假设你打算几年内结婚，丈母娘要房子。正好你看上一套还不错，你可以选择现在马上用100万买下，或者开发商同意你用110万在三年内买下。如果选择后者，那就是期货交易：除非合同解除，否则你必须买，开发商必须卖，价格也必须是110万。期货是最简单的金融衍生，投机性不大，而且没有杠杆（必须全额付出）。它的前提是你和开发商对未来三年的房价的预期不同，你看涨，他看跌。如果你是对的，三年内房价涨到200万，开发商就亏了，因为他还要以110万的价格把房子卖给你。反之，如果房价大跌，你就亏了。这就是期货。 那什么是期权呢？ 如果...
What are the most important things you should teach a kid? Zhang Tao I have 2 daughters and I have given this some thoughts, and here is the long list of things I want to teach my kids (teaching): 1) Be NICE, have empathy . Understand everyone you met in y...
首先要确认的是, 演讲水平是可以通过训练提高的。很多今天满身魅力的演讲者都有自己的“青葱岁月”，都是通过有意识的训练而达到今天的水平的。 而关于怎样训练提高演讲水平，网上的资源很多。我的个人经验如下： 练习，练习，不断的练习。 不管有多好的技巧，没有练习就不可能有台上的精彩表现。最好在练习的时候, 找朋友或同事做观众，并提出改进的意见。或者你可以自己录像, 自己观摩：我个人经验是，不管自我感觉如何良好，事后看视频总有可以很多提高的地方。Practice make perfection. 早去现场，排除“隐患”...
几周前和一位年轻的同事聊起来，夸夸其谈讲起自己这几年投资美股的经验（很多是昂贵的教训）；结果几天后就看到福布斯上的一篇文章，把最近几年的复苏和牛市称作 “新的巨大的泡沫” ，并预言股市崩盘在即（道琼斯指数确实在五年内连创新高，翻了一番不止）。不由心里嘀咕，希望自己没有把人带到一个烂摊子，可又一想，不管股市的走势如何（没有人可以预测），它仍然是最好的投资渠道，这毋庸置疑。 ‘出名要趁早”, 投资更是如此 投资的高收益率很大程度上来源于复利的威力。每年收益重新投入变成本金, 利滚利, 几十年下来，每年看似不高的收...
1， 股息 (Dividend) 股票投资中，获利的手段主要有两个：1) 股价走高之后，卖出，从而获利。2) 持有股票，享受公司所发的股息 (Dividend). 当然，不是所有公司都会每季度发股息（也叫派息），盈利差的公司自然不可能发股息，盈利好的公司如果仍然在高速发展的时期，会需要大量的现金来持续投资，或者准备可能的并购，通常也不会发股息。 发股息的公司通常 1）公司经营稳健，盈利水平高。2）未来的增长不会太快，不必留大量现金来继续投资。3）公司已经把派息作为回报股东的方式。有些公司连续几十年每季度都...
I have 2 daughters and I have given this some thoughts, and here is the long list of things I want to teach my kids (teaching):
1) Be NICE, have empathy. Understand everyone you met in your life has his/her story, they all have loved someone, and lost someone. They might not have been nice to you sometimes, but maybe they just had a bad day. Just be nice to them.
2) Do not take yourself too seriously. You might think a lot of people care about your opinion, they do not. You should take work very seriously, but it is perfect fine to make fun of yourself.
3) Imagine your perfect SELF and working to get to that. Everything is created twice, so it is important to know what kind of person you want to become, and take actions to get there.
4) Read, Read, and read a lot of books. Most great men are dead, and the best way to learn from them is through reading the books of them or by them. A good book is like a good friend, and you will enjoy the conversations with him/her.
5) Speaking of friends, it is OK to not to have a lot of friends. A true friend is hard to come by in life, be grateful for the the ones you have. Many people will come to your life at one point, and will go away soon enough. Move on with your life, and the true friends are those that you want to stay in touch even you guys are millions of miles away.
6) Never stop learning. School is just the starting point, and you should learn something every single day.
7) Help others when you get the chance. Consider yourself the lucky one being able to offer help. Do it in a way with no expectation of any return.
8) Speaking of lucky. Do you realize how lucky you are? From the first Chinese caveman to a beautiful life as you, what is the odd? Remember there are 5,000 years, >10 dynasty and countless wars etc..
9) Do not give in to peer pressure. There will be times in your life that it feels like "I have to smoke that cigarette", or "I have to drink this", because everyone else in your class/office is doing such. Do not! Everyone is doing it does not make it right, and you need to stick to your values.
10) Life is not fair, and the sooner you realize it, the better. That said, if you have power to make something more fair for people, do it. If you do not, just accept this and make the best of what you got.
11) Embrace technology, but do not spend too much time on friends baby pictures (they are always very cute btw), use those to learn (know who to follow, which site to visit etc)
12) Be careful and smart about your online identity. Do not post or share anything you might not like to be associated with the day after.
13) Study history, not to remember what event happened each year, but to identify the patterns of history. Everything gonna to happy already happened some point in history. There is nothing new under the sun.
There are many things underrated in life:
1) The PAIN/failing. This make you stronger and also make the happiness more enjoyable. People celebrate success, but pain/failing is equally important, if not more.
2) A plan. Before you do anything, or going anywhere, over-plan it! Be prepared something will go wrong, and have a plan b.
3) The power of the 2 magic words: "Sorry" and "Thank you". You will be surprised how much you will benefit if you say those 2 words often.
4) Cooking. Many people never took the time to learn this, but there are a lot of pleasure in it, such a wonderful experience to be able to prepare a good meal for your loved ones. Also super easy to learn.
5) A sense of humor. Never be someone boring.
6) Parenting. Some people will tell you this is the most fulfilling experience, it is! It is also super difficult job which require a lot of time and learning (thank you for being in my life be patient with my flaws as a dad).
7) The "normal" everyday life. You do not need to go far to enjoy the nature and peace, you are being surrounded by those everyday, and it is yours if you want to get it.
8) A smile on your face, and how it can make everyone around you so much happier.
There are many things overrated in life:
1) Holiday. Do we really need holiday to remind us why certain things/people are so important to us?
2) Wedding. Daddy will happily pay for your Harvard/MIT or whatever, but I will not pay for your big wedding. It does not make sense to put yourself in debt, just to invite 300 people you might not even know their names. Plus, wedding should be the starting point of something great, there are many other ways to build happy memories.
3) Traditions. Feel free to pick whatever your believe make sense, and ignore the rest. Every culture has its own pros and cons. Do not let those define who you are.
4) Brand/celebrity and looks. Those are all products of expensive marketing campaigns.
5) Chinese medicine. Unless it is being tested in modern lab, do not take it.
上一期 讲了为什么美股值得投资，其实，在你把真金白银放到股市之前，你首先要了解自己要做好什么准备。毕竟，在股市上赚大钱的很少，多数是赚的很少或者亏钱。天堂与地狱之间， 取决于 你做的准备如何。 需要做的功课很多，下面这些资源应该有帮助： 1）巴菲特和他的价值投资理论. 一生只做一件事，过人的天赋和无比的专注成就了投资历史上的传奇。任何人在开始美股投资之前都应该了解巴菲特的思想。关于他的书很多，最好还是直接看他的视频或者（如果语言不是问题）读一下他每年写给投资者的信： http://www.berkshireh...
L'histoire invente toujours ses propres voies, le plus souvent là où on ne les attend ------历史自会开创新的道路,往往就在最出人意料之处。 《21世纪资本论》序言 托马斯•皮克迪 作为一本大部头的学术著作，《21世纪资本论》在欧美的流行确实有些让人摸不着头脑，估计可能跟书中所说的贫富差距的话题惹人注目有关。700多页的书，其实核心只是解释了一个不等式： 资本收益率（R）是大于经济增...
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