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健康与美丽天才
Health n Beauty Genius
2010年3月17日星期三
Cancer > Chemotherapy only? XXX No No No...
Sour Sop Fruit (红毛榴莲) - The Cancer Killer
SOUR SOP FRUIT
红毛榴莲，刺果番石榴，刺果番荔枝，蛋黄果
Guyabano, Graviola, Guanabana, Annona Muricata
This miracle fruit that can kill cancer cells 100,000 times, more effective than chemo that gave you side effects.
Guyabano, Graviola, Annona Muricata...The Sour Sop Fruit.
The Sour Sop or the fruit from the Graviola tree is a miraculous natural cancer cell killer 10,000 times stronger than chemo.
Why are we not aware of this?
Its because some big corporation want to make back their money spent on years of research by trying to make a synthetic version of it for sale.
So, since you know it, now you can help a friend in need by letting him know or just drink some Sour Sop juice yourself as prevention from time to time.
The taste is not bad after all. It’s completely natural and definitely has no side effects.
If you have the space, plant one in your garden. The other parts of the tree are also useful.
The next time you have a fruit juice, ask for a Sour Sop juice.
How many people died in vain while this billion-dollar drug maker concealed the secret of the miraculous Graviola tree?
This tree is low and is called Graviola in Brazil , Guanabana in Spanish and has the uninspiring name "Sour Sop" in English.
The fruit is very large and the subacid sweet white pulp is eaten out of hand or, more commonly, used to make fruit drinks, sherbets and such.
The principal interest in this plant is because of its strong anti-cancer effects.
Although it is effective for a number of medical conditions, it is its anti tumor effect that is of most interest.
This plant is a proven cancer remedy for cancers of all types.
Besides being a cancer remedy, Graviola is a broad spectrum antimicrobial agent for both bacterial and fungal infections, is effective against internal parasites and worms, lowers high blood pressure and is used for depression, stress and nervous disorders.
If there ever was a single example that makes it dramatically clear why the existence of Health Sciences Institute is so vital to Americans like you, it's the incredible story behind the Graviola tree.
The truth is stunningly simple:
Deep within the Amazon Rainforest grows a tree that could literally revolutionize what you, your doctor, and the rest of the world thinks about cancer treatment and chances of survival.
The future has never looked more Promising.
Research shows that with extracts from this miraculous tree it now may be possible to:
* Attack cancer safely and effectively with an all-natural therapy that does not cause extreme nausea, weight loss and hair loss
* Protect your immune system and avoid deadly infections
* Feel stronger and healthier throughout the course of the treatment
* Boost your energy and improve your outlook on life.
The source of this information is just as stunning: It comes from one of America 's largest drug manufacturers, the fruit of over 20 laboratory tests conducted since the 1970's!
What those tests revealed was nothing short of mind numbing...
Extracts from the tree were shown to:
* Effectively target and kill malignant cells in 12 types of cancer, including Colon, Breast, Prostate, Lung and Pancreatic cancer..
* The tree compounds proved to be up to 10,000 times stronger in slowing the growth of cancer cells than Adriamycin, a commonly used chemotherapeutic drug!
* What's more, unlike chemotherapy, the compound extracted from the Graviola tree selectively hunts down and kills only cancer cells.
It does not harm healthy cells!
The amazing anti-cancer properties of the Graviola tree have been extensively researched-- so why haven't you heard anything about it?
If Graviola extract is as half as promising as it appears to be--
* Boost your energy and improve your outlook on life.
The source of this information is just as stunning: It comes from one of America 's largest drug manufacturers, the fruit of over 20 laboratory tests conducted since the 1970's!
What those tests revealed was nothing short of mind numbing...
Extracts from the tree were shown to:
* Effectively target and kill malignant cells in 12 types of cancer, including Colon, Breast, Prostate, Lung and Pancreatic cancer..
* The tree compounds proved to be up to 10,000 times stronger in slowing the growth of cancer cells than Adriamycin, a commonly used chemotherapeutic drug!
* What's more, unlike chemotherapy, the compound extracted from the Graviola tree selectively hunts down and kills only cancer cells.
It does not harm healthy cells!
The amazing anti-cancer properties of the Graviola tree have been extensively researched-- so why haven't you heard anything about it?
If Graviola extract is as half as promising as it appears to be--
Why doesn't every single Oncologist at every major hospital insist on using it on all his or her patients?
The spine-chilling answer illustrates just how easily our health--and for many, our very lives are controlled by money and power.
Graviola--The plant that worked too well.
One of America 's biggest billion-dollar drug makers began a search for a cancer cure and their research centered on Graviola, a legendary healing tree from the Amazon Rainforest.
Various parts of the Graviola tree--including the bark, leaves, roots, fruit and fruit-seeds- -have been used for centuries by medicine men and native Indians in South America to treat heart disease, asthma, liver problems and arthritis.
Going on very little documented scientific evidence, the company poured money and resources into testing the tree's anti-cancerous properties--and were shocked by the results. Graviola proved itself to be a cancer-killing dynamo.
But that's where the Graviola story nearly ended.
The company had one huge problem with the Graviola tree--it's completely natural, and so, under federal law, not patentable. There's no way to make serious profits from it.
It turns out the drug company invested nearly seven years trying to
synthesize two of the Graviola tree's most powerful anti-cancer ingredients.
If they could isolate and produce man-made clones of what makes the Graviola so potent, they'd be able to patent it and make their money back.
Alas, they hit a brick wall. The original simply could not be replicated.
There was no way the company could protect its profits--or even make back the millions it poured into research.
As the dream of huge profits evaporated, their testing on Graviola came to a screeching halt.
Even worse, the company shelved the entire project and chose not to publish the findings of its research!
Luckily, however, there was one scientist from the Graviola research team whose conscience wouldn't let him see such atrocity committed.
Risking his career, he contacted a company that's dedicated to harvesting medical plants from the Amazon Rainforest and blew the whistle.
Miracle Unleashed--
When researchers at the Health Sciences Institute were alerted to the news of Graviola, they began tracking the research done on the cancer-killing tree.
Evidence of the astounding effectiveness of Graviola--and its shocking cover-up--came in fast and furious...
...The National Cancer Institute performed the first scientific research in 1976.
The results showed that Graviola's "leaves and stems were found effective in attacking and destroying malignant cells." Inexplicably, the results were published in an internal report and never released to the public...
Since 1976, Graviola has proven to be an immensely potent cancer killer in 20 independent laboratory tests, yet no double-blind clinical trials- the typical benchmark mainstream doctors and journals use to judge a treatment's value- -were ever initiated...
A study published in the Journal of Natural Products, following a recent study conducted at Catholic University of South Korea stated that one chemical in Graviola was found to selectively kill colon cancer cells at "10,000 times the potency of (the commonly used chemotherapy drug) Adriamycin..."
...The most significant part of the Catholic University of South Korea report is that Graviola was shown to selectively target the cancer cells, leaving healthy cells untouched.
Unlike chemotherapy, which indiscriminately targets all actively reproducing cells (such as stomach and hair cells), causing the often devastating side effects of nausea and hair loss in cancer patients.
...A study at Purdue University recently found that leaves from the Graviola tree killed cancer cells among six human cell lines and were especially effective against prostate, pancreatic and lung cancers...
Seven Years Of Silence Broken--it's Finally Here!
A limited supply of Graviola extract, grown and harvested by indigenous people in Brazil , is finally available in America .
The full Graviola Story--including where you can get it and how to use it--is included in Beyond Chemotherapy:
New Cancer Killers, Safe As Mother's Milk, a Health Sciences Institute FREE special bonus report on natural substances that will effectively revolutionize the fight against cancer.
From breakthrough cancer and heart research and revolutionary Amazon Rainforest herbology to world-leading anti-aging research and nutritional medicine, every monthly Health Sciences Institute Member's Alert puts in your hands today cures the rest of America--including your own doctor--is likely to find out only ten years from now.
The spine-chilling answer illustrates just how easily our health--and for many, our very lives are controlled by money and power.
Graviola--The plant that worked too well.
One of America 's biggest billion-dollar drug makers began a search for a cancer cure and their research centered on Graviola, a legendary healing tree from the Amazon Rainforest.
Various parts of the Graviola tree--including the bark, leaves, roots, fruit and fruit-seeds- -have been used for centuries by medicine men and native Indians in South America to treat heart disease, asthma, liver problems and arthritis.
Going on very little documented scientific evidence, the company poured money and resources into testing the tree's anti-cancerous properties--and were shocked by the results. Graviola proved itself to be a cancer-killing dynamo.
But that's where the Graviola story nearly ended.
The company had one huge problem with the Graviola tree--it's completely natural, and so, under federal law, not patentable. There's no way to make serious profits from it.
It turns out the drug company invested nearly seven years trying to
synthesize two of the Graviola tree's most powerful anti-cancer ingredients.
If they could isolate and produce man-made clones of what makes the Graviola so potent, they'd be able to patent it and make their money back.
Alas, they hit a brick wall. The original simply could not be replicated.
There was no way the company could protect its profits--or even make back the millions it poured into research.
As the dream of huge profits evaporated, their testing on Graviola came to a screeching halt.
Even worse, the company shelved the entire project and chose not to publish the findings of its research!
Luckily, however, there was one scientist from the Graviola research team whose conscience wouldn't let him see such atrocity committed.
Risking his career, he contacted a company that's dedicated to harvesting medical plants from the Amazon Rainforest and blew the whistle.
Miracle Unleashed--
When researchers at the Health Sciences Institute were alerted to the news of Graviola, they began tracking the research done on the cancer-killing tree.
Evidence of the astounding effectiveness of Graviola--and its shocking cover-up--came in fast and furious...
...The National Cancer Institute performed the first scientific research in 1976.
The results showed that Graviola's "leaves and stems were found effective in attacking and destroying malignant cells." Inexplicably, the results were published in an internal report and never released to the public...
Since 1976, Graviola has proven to be an immensely potent cancer killer in 20 independent laboratory tests, yet no double-blind clinical trials- the typical benchmark mainstream doctors and journals use to judge a treatment's value- -were ever initiated...
A study published in the Journal of Natural Products, following a recent study conducted at Catholic University of South Korea stated that one chemical in Graviola was found to selectively kill colon cancer cells at "10,000 times the potency of (the commonly used chemotherapy drug) Adriamycin..."
...The most significant part of the Catholic University of South Korea report is that Graviola was shown to selectively target the cancer cells, leaving healthy cells untouched.
Unlike chemotherapy, which indiscriminately targets all actively reproducing cells (such as stomach and hair cells), causing the often devastating side effects of nausea and hair loss in cancer patients.
...A study at Purdue University recently found that leaves from the Graviola tree killed cancer cells among six human cell lines and were especially effective against prostate, pancreatic and lung cancers...
Seven Years Of Silence Broken--it's Finally Here!
A limited supply of Graviola extract, grown and harvested by indigenous people in Brazil , is finally available in America .
The full Graviola Story--including where you can get it and how to use it--is included in Beyond Chemotherapy:
New Cancer Killers, Safe As Mother's Milk, a Health Sciences Institute FREE special bonus report on natural substances that will effectively revolutionize the fight against cancer.
From breakthrough cancer and heart research and revolutionary Amazon Rainforest herbology to world-leading anti-aging research and nutritional medicine, every monthly Health Sciences Institute Member's Alert puts in your hands today cures the rest of America--including your own doctor--is likely to find out only ten years from now.
The Man n His Finger
THE MAN AND HIS FINGER
"Sir, there is nothing wrong with your body. Your finger is broken. That is why it hurts wherever you touch. Get your finger plastered, rest it for a couple of weeks and all of your pains will disappear."!!
SPIRITUAL COMMENTARY
In life so frequently, it is our own perspective that causes us pain or pleasure.
As we go through life "feeling" the world with our fingers, if our finger is broken naturally we will experience pain everywhere. But,
we make the mistake of blaming the external world for our ailments: "My job is over-taxing, my husband is too demanding, my wife nags, my children are disobedient, my in-laws don't understand me, etc…etc…"
But if you look throughout the world you will be able to find someone who has the same type of job, but is calm, or someone who has the same type of spouse but is happy, or someone who has the same type of children but is patient, or someone who has the same type of in-laws but is grateful.
What is it that allows 2 people to experience the same external situation but respond in 2 different ways?
Our own perspective. Our own perception. The key, then, is not to try to change every situation in our life, but rather to change the glasses through which we see the world.
Sure, if we have a fixable situation at the office or at home, we should definitely do our best to improve it. But, what we have observed is that if someone has the nature to be dissatisfied, or the nature to be stressed, or the nature to be pained, that person's nature is not going to change simply by changing the external situation.
A massage for the back or shoulder or legs would not help the man in our earlier example because it is his finger which is broken. He could spend hundreds of dollars to ease the pain in his body, but unless he puts his broken finger in a splint, he will continue to experience pain every time that finger touches the various parts of his body.
Similarly, we run around through life trying to "fix" our jobs or marriages or family life, but frequently the reality is in our own perspective. If we spend the same amount of energy "fixing" our perspective as we spend trying to "fix" our spouse or children, everything would be fine.
This is not to say that pains and troubles don't really exist in our day to day life. Of course they do.The man in our example may also have a stiff back or sore shoulders. But the excruciating pain he experienced was due not to the minor aches and pains in his body, but due to the severely broken finger with which he was touching them.
Similarly, our jobs and our families are taxing. They demand a lot of us. But the unbearable pain many of us experience is due not to the demands and commands from without, but due to the demands and commands from within ourselves.
In the Gita it is said that we are our best friend and also our own worst enemy, depending upon how we live our lives.
In this New Year, let us all take some time to examine what our own personal "broken finger" is.
What is it within ourselves that causes us to experience pain in the world? What irrational fear, what unfulfillable desire, what selfish motive, what ego-driven need has broken the finger with which we feel the world or has colored the glasses with which we see? We spend so much time examining others, but very little time examining our own selves.
The Source of all joy and peace lies within us.
We are blocked from that Source by a host of desires, fears and ignorance.
The key to finding and tapping into that Source must come from within.
Let us find the key within ourselves and unleash the Ocean of Divine Bliss in our lives!!
SPIRITUAL COMMENTARY
In life so frequently, it is our own perspective that causes us pain or pleasure.
As we go through life "feeling" the world with our fingers, if our finger is broken naturally we will experience pain everywhere. But,
we make the mistake of blaming the external world for our ailments: "My job is over-taxing, my husband is too demanding, my wife nags, my children are disobedient, my in-laws don't understand me, etc…etc…"
But if you look throughout the world you will be able to find someone who has the same type of job, but is calm, or someone who has the same type of spouse but is happy, or someone who has the same type of children but is patient, or someone who has the same type of in-laws but is grateful.
What is it that allows 2 people to experience the same external situation but respond in 2 different ways?
Our own perspective. Our own perception. The key, then, is not to try to change every situation in our life, but rather to change the glasses through which we see the world.
Sure, if we have a fixable situation at the office or at home, we should definitely do our best to improve it. But, what we have observed is that if someone has the nature to be dissatisfied, or the nature to be stressed, or the nature to be pained, that person's nature is not going to change simply by changing the external situation.
A massage for the back or shoulder or legs would not help the man in our earlier example because it is his finger which is broken. He could spend hundreds of dollars to ease the pain in his body, but unless he puts his broken finger in a splint, he will continue to experience pain every time that finger touches the various parts of his body.
Similarly, we run around through life trying to "fix" our jobs or marriages or family life, but frequently the reality is in our own perspective. If we spend the same amount of energy "fixing" our perspective as we spend trying to "fix" our spouse or children, everything would be fine.
This is not to say that pains and troubles don't really exist in our day to day life. Of course they do.The man in our example may also have a stiff back or sore shoulders. But the excruciating pain he experienced was due not to the minor aches and pains in his body, but due to the severely broken finger with which he was touching them.
Similarly, our jobs and our families are taxing. They demand a lot of us. But the unbearable pain many of us experience is due not to the demands and commands from without, but due to the demands and commands from within ourselves.
In the Gita it is said that we are our best friend and also our own worst enemy, depending upon how we live our lives.
In this New Year, let us all take some time to examine what our own personal "broken finger" is.
What is it within ourselves that causes us to experience pain in the world? What irrational fear, what unfulfillable desire, what selfish motive, what ego-driven need has broken the finger with which we feel the world or has colored the glasses with which we see? We spend so much time examining others, but very little time examining our own selves.
The Source of all joy and peace lies within us.
We are blocked from that Source by a host of desires, fears and ignorance.
The key to finding and tapping into that Source must come from within.
Let us find the key within ourselves and unleash the Ocean of Divine Bliss in our lives!!
2010年3月16日星期二
累积财富，告别“月光族”
“月光族”如何变“理财族”？
从“月光族”变成“理财族”不仅能解决你们的经济现状,更能为你规划好未来。
理财很时尚,养成了习惯一定会让你变得不一样!
在如今的社会里谁都想让自己变得更有钱,但往往有的时候不仅没有赚到钱,还把自己的本钱赔了进去,还有的人不知不觉的背上了债务,这到底是为什么?其实在于这些朋友没有正确的理财知识,不懂的法律知识,理财规划过于盲目而造成的结果。那么怎样才能使自己变的更有钱?以下几个关键词供大家参考:
关键词一: 挣
利用一切可以挣钱的机会多挣钱,比如单位的节假日值班,工厂的假日加班,这时的工资往往是平时的2到3倍。
关键词二: 堵
也就是合理的花钱,理性的花钱,现在各个商家的促销手段越来越多,广告是铺天盖地就是让你花钱,如果你受他们的吸引而不理性的消费,就很难存住钱,这也是现在出现"月光族"的原因。
关键词三: 赚
就是利用钱再生钱,多学习金融知识,合理的储蓄计划,股票基金投资、收藏等都是投资的渠道,还有合理的民间借贷。理财的合理搭配是储蓄40%-50%,股票基金收藏20%-30%,分红保险20%-30%,彩票5%。
关键词四: 防
就是防止钱的流失,记住自己不熟悉的生意不做,自己不参与的生意不做,尽量不给别人担保贷款,即使担保了也要在自己的承受范围内,还有的就是借款,一定要遵循四条原则:
首先,借款手续要认真履行;其次,要确保对方借款用途合法性;第三,借款利率应在规定利率内;最后,催要借款必须注重时效。
关键词五: 保
常言说:天有不测风云,人有旦夕祸福。保险虽说不能避免风险的发生,但是能在风险发生时给与经济上的补偿,体现了"我为人人,人人为我"的互助性。保险不是需要不需要的问题,而是家庭理财必须办理的问题。还有养老险,少儿婚嫁教育险,意外伤害和意外伤害医疗险等,根据自己的家庭情况办理合适的保险。
如何健康理财,避免当"奴隶":
一.卡奴: 巧用"免息期"投资
"穷忙族"工作繁忙,有空赚钱,没空理财。"月光族"每月工资消费殆尽,毫无理财意识。今年以来,各家银行为刺激信用卡消费,大搞信用卡优惠活动,吸引了许多持卡人"喜刷刷"。于是,造就了一批"卡奴",他们月月为账单发愁。一个有趣的现象是,"卡奴"中,"穷忙族"和"月光族"是其主力军。
理财建议:卡奴要摆脱财富亚健康,除了在消费上量力而行外,还应掌握一定的刷卡用卡之道。比如,善用还款"免息期"投资,基金定投、黄金定投是不错的选择,但一定要注意投资的时间点,最好做到免息期"利益最大化";巧用第三方支付,通过信用卡网络购物,即省钱又可积分。此外,转账、信用卡还款均可使用,免除手续费。
二、房奴: 理财要"攻防"兼备
"存钱族"赚钱存银行,理财观念消极。"好高族"又把理财等同于投资,追求高回报,不顾高风险。"抵触族"本身获取信息渠道狭窄,又不信任银行专业理财师,缺乏理财知识和方法。这些人往往有一定的财富积累,购房后都充当着房奴的角色。
理财建议:
当一个家庭需要贷款消费时,首先要对家庭财务的负债承受力有个清醒的认识,其次还要对未来的风险有预测。"一个家庭的负债率不宜超过总收入的20%-30%,这也是银行给客户授信的安全额度标准。"同时,可适当通过股票、基金、黄金、期货等投资行为,实现家庭资产增值,并防止资产流失。
要做轻松快乐的房奴
一是在购房时,根据家庭财富状况选择房屋种类。如经济适用房或两限房自然要比商品房便宜购房。
二是选择合理贷款。选得好,100万元的房贷30年可以节省20万以上。如在贷款期限和成数的选择上,要是结合自身情况,如每月还款额、日常收支、积蓄等;其次还要关注宏观的金融政策的变化,包括降息期和加息期的把控。一般说来,在自身资金实力允许下,经济降息期,应适当增加贷款成数;经济加息期,应适当减少贷款成数。鉴于贷款品种繁多,影响因素复杂的缘故,最好寻求专业房贷金融公司的咨询。
三是充分利用公积金贷款的优势。公积金贷款含政策性补贴的成分,利率要比商业贷款低不少。因此,能使用公积金贷款的一定不要放过。但是对于有二次置业打算的人来说,首次置业时还是选择商业贷款为好,以规避二套房政策。另外,二手房交易也可以使用公积金贷款。
正所谓"你不理财,财不理你",家庭理财就是制定合理的财务规划,然后在坚持的参照执行,这样才能使你变得更有钱。
单身贵族不想成月光族,逼自己存钱吧
长沙20-25岁单身贵族不想成月光族,逼自己存钱吧
月月用光真正的问题,也许并不都在于收入的高低
不想成月光族,就逼自己存钱吧
20岁左右的年轻人怎么理财,首先要学会开源节流
他们还在上大学,或踏入社会参加工作不久
年轻是这一时期最大的优势,处于人生的起步并迅速上升阶段。他们转账、汇款需求较多,对刷卡购物的方式比较接受,喜欢通过电子渠道办理金融业务,有助学贷款、耐用消费品贷款和留学深造的需求。
20-25岁的单身贵族,拥有的是炫彩人生。这是一个理才重于理财的时期,这个阶段投资自己比自己投资更重要。
人们常说,你不理财,财不理你。但这两年,股民、基民却发现,你理了财,财也未必理你。
财富需要打理,但理财需要智慧,让财富随年龄不断增长。
理财有道: 基金定投强制储蓄
处在事业的起步阶段,该阶段积蓄较少,要注意控制消费,积极进行储蓄,建议选择基金定投积蓄资金,使用信用卡养成记账和量入为出的好习惯。资金较多的可以进行适度的积极投资,建议进行适当的教育投资。
招商银行(600036,股吧)熊伟:该买什么保险
尽管这个年龄阶段的人没有小家庭所累,但是风险无处不在,高额人生保单是提供生命与安全的保障,功能是身故给付、残废给付。
这时可以选择一些意外伤害人身保险、身价定期险等。
泰康人寿潘满虹:案例一:"月光族"
在电力部门工作的小王,今年23岁,大学毕业刚刚1年,月薪4000元。每个月工资都花得精光。前不久,他妈妈突发重病,急需3万元手术费。而工作后竟然只存了6000元,还是年终奖。懊恼不已的小王对于自己现在的财务状况很是头疼。
小王收支储蓄表(年)
项目 家庭(单位/元) 工资薪金所得54000
(税后)(含年终奖6000) 生活支出24000
周转资金24000 活期存款6000
支出比率89% 自由储蓄率11%
分析:
其实,"月光族"的真正问题并不都在于收入的高低,而更多的在于使用金钱的方法。20岁左右年轻人理财第一要点,就是要懂得开源节流。
理财建议:
1、财务状况诊断
只有对自己拥有的财富进行整体规划,才能进退自如,即清楚"家底"和"财务病因",防止入不敷出的情况发生。建议通过记账来减少不必要的支出,形成良好的消费习惯。
2、确定具体理财目标
一是提升自身专业性,提高收入;二是根据现阶段收入状况及净资产规模,作出现阶段租房与购房的明智决策。
3、风险保障安排
本阶段虽自身财产积累不多,但父母在前期精力与经济方面的投入不菲,建议以父母为受益人购买独立人生后的第一份人寿保单回报父母的养育之恩。
4、强制储蓄,逐渐积累
建议以基金定投方式进行本阶段的财富累积,既可不必担心遭遇资本市场的大起大落,也能获得不错的收益,更重要的是以强制储蓄的方式实现资产的不断增长。
工行朱沛琴:案例二:单身贵族
孙先生今年24岁,未婚,与父母同住。月收入2500元左右,有五险一金。每月定期存款1000元、月固定生活支出800元、其余700元为周转资金。孙先生想2010年参加高级技能培训,学费预计近2万元;计划每年至少1次国内游。目前有3年期定期存款1万元,无任何投资。
孙先生收支储蓄表(年)
项目 家庭(单位/元) 工资薪金所得(税后)30000
生活支出-9600 周转资金-8400
定期存款12000 支出比率60%
自由储蓄率40%
分析:
孙先生将理财的重点倾向于再教育的支出上,这是非常明智和正确的。但1万元的定期存款流动性欠灵活,700元周转资金可进一步发挥更大效用。
理财建议:
1、技能学费。由于时间短,其适合的投资产品应该以低风险的为主,同时,附加一些风险偏高的产品。假设投资收益率为4%,拿出8000元的银行存款作为本金,同时,采取每月定投的方式,每月投资955.13元,一年后即可筹集到20000元。
2、旅游。暂不建议其进行旅游计划,一是时间不允许,二是其收入较低,筹集各种费用的压力较大,因此需要合理安排资金,使其得到最大的收益。
工行朱沛琴寄语:尽早积累资金 别做"月光族"
单身阶段也许是人生中最不确定的时期,特别是在理财决定上。成家之后的理财目标会更加明确和实际,而单身贵族们则是想得多、变化快。
无论理财目标怎么变,我们需要提醒处于单身阶段的朋友们的是一些基本理财规则:首先,积累资金。不管你的目标是买房置业抑或购车结婚还是继续深造,经济基础永远是王道,特别是刚参加工作的社会新鲜人,理财的第一步就是进行资本的原始积累。
"开源节流"永远是理财的第一要素。其次,未雨绸缪,尽早开始考虑长远目标,比如买房买车。
想做什么，趁早去做呗...
生命也有保存期限
想做的事趁早去做
在生命最美好的時候，做想做的事。否則錯過了，只是悔恨罷了。生命也有保存期限！！！
印度有一位知名的哲學家，天生一股特殊的文人氣質，不知迷死了多少女人。某天，一個女子來敲他的門，她說：「讓我作你的妻子吧！錯過我，你將再也找不到比我更愛你的女人了！」哲學家雖然也很中意她，但仍回答說：「讓我考慮考慮！」
事後，哲學家用他一貫研究學問的精神，將結婚和不結婚的好、壞所在，分別條列下來，才發現，好壞均等，真不知該如何抉擇？於是，他陷入長期的苦惱之中，無論他又找出了什麼新的理由，都只是徒增選擇的困難。
最後，他得出一個結論：人若在面臨抉擇而無法取捨的時候，應該選擇自己尚未經驗過的那一個。
不結婚的處境我是清楚的，但結婚會是個怎樣的情況，我還不知道？對！我該答應那個女人的央求。
哲學家來到女人的家中，問女人的父親說：「你的女兒呢？請你告訴她，我考慮清楚了，我決定娶她為妻！」
女人的父親冷漠地回答：「你來晚了十年，我女兒現在已經是三個孩子的媽了！」
哲學家聽了，整個人幾乎崩潰，他萬萬沒有想到，向來自以為傲的哲學頭腦，最後換來的竟然是一場悔恨。爾後二年，哲學家抑鬱成疾。臨死前，將自己所有的著作丟入火堆，只留下一段對人生的註解：
如果將人生一分為二：
前半段的人生哲學是「不猶豫」；
後半段的人生哲學是「不後悔」。
也許你曾經買了一件很喜歡的衣服卻捨不得穿，鄭重的供奉在衣櫃裡。許久之後，當你再看見它的時候，卻發現它已經過時了。所以，你就這樣跟它錯過了；
也許你也曾經買了一塊漂亮的蛋糕卻捨不得吃, 鄭重的把它供奉在冰箱裡。許久之後，當你再看見的時候，它已經過期了。所以，你也這樣與它錯過了。
沒有在最喜歡的時候穿上身的衣服、沒有在最可口的時候品嚐的蛋糕，就像沒有在最想做的時候去做的事情，都是遺憾。
生命也有保存期限，想做的事該趁早去做。
如果你只是把你的心願，鄭重的供奉在心裡，卻未曾去實行，那麼唯一的結果就是與它錯過，一如那件過時的衣服、一如那塊過期的蛋糕。坐里面的位子
坐裡面的位子
(蠻有深度的文章)
讀大學的時候，我在大講堂裡聽過一次講座。那是學校最有名的一位教授開設的講座。等到我趕往大講堂的時候，大講堂裡靠近講台和過道兩邊的座位，都已經被別人佔去了。而中間和後面那些出入不方便的座位，卻還空著。我挑了一個位置坐了下來，然後向講台看去，只見教授早已經坐在那裡了。這時聽講座的同學陸續都來了，大講堂裡的每一個座位上都坐著人。
講座準時開始，教授從坐著的椅子上站起來，他徑直走下講台，來到大講堂最後面一排的座位上，指著座位中間的一個同學說：“同學們，在開始今天的講座之前，請允許我向這位同學致敬。”說著，教授向那位同學深深地鞠了一躬。
大講堂裡一下變得鴉雀無聲，大家不知道發生了什麼事情。教授鞠完躬，站起來，緩緩地說道：“我之所以向這位同學鞠躬，是因為他選擇坐裡面位置的行動，讓我充滿敬意。”
大家聽著教授的這句話，講堂裡一下變得有些騷動起來。大家低聲議論起來。教授沒有反駁同學們的話，依然用不高的語調說道：
“我今天是第一個來大講堂的，在你們入場的時候，我特別注意觀察了。我發現，許多先到的同學，一進來就搶佔了靠近講台和過道兩邊的座位，在他們看來，那一定是最好的位置了，好進好出，而且離講台也近，聽得也最清楚了。只有這位同學來的時候，我注意看到了，當時靠前和兩邊的位置還有很多，可是他卻徑直走到大講堂的最後面，而且是坐在最中間，進出都不方便的位置。
這位同學把好的位置留給了別人，自己卻寧願坐最差的位置。他的這種思想，難道不值得我們充滿敬意嗎？”
教授接著說道：“我繼續觀察後發現：先前那些搶佔了他們認為是好位置的同學，其實備受其苦，因為座位前排與後排之間的距離小，每一個後來者往裡面進時，靠邊的同學都不得不起立一次，這樣才能讓後來者進去。我統計了一下，在半個小時之內，那些搶佔了'好位置'的同學，竟然為他們只想著自己的行為，付出了起立十多次的代價。
而那位坐在後排中間的同學，卻一直安詳地看著自己的書，沒人打擾。”
說到這裡，教授停頓了一下，向大講堂四周從前至後地看了一遍，然後望著大家，緩緩地，但卻很有力地說道：“同學們，請記住吧：
當你心中只有你自己的時候，你把麻煩其實也留給了自己；當你心中想著他人的時候，其實他人也在不知不覺中方便了你…”
“嘩…! ”教授的話一說完，台下響起了長時間的熱烈掌聲，久久沒有平息下去。
“嘩…! ”教授的話一說完，台下響起了長時間的熱烈掌聲，久久沒有平息下去。
当守财奴遇到消费狂 - 理财夫妻档
当守财奴遇到消费狂
作为1个在大都市生活和工作的外地人，40岁前我实现了“财务自由”的理想，即不靠工资，靠投资理财的收益就能维持舒适的生活，从而有时间去做自己想做的事----家人自驾周游全国并到美国攻读MBA。很多朋友问我，1个中产阶级如何能做到这一点？理财的“第1桶金”从何而来？
答案很简单，第1桶金来自于储蓄。由于生活经历的迥异，我和太太在储蓄这个问题上占据两个极端。我是极端节俭派、“守财奴”，天生爱好数字，喜欢看着数字蹭蹭蹭往上涨；太太则相反，是现世的享乐主义者、“消费狂”， 认定钱不花就是废纸。爱美食、逛街、旅行、看演出，生活过得有滋有味，但是月月光。在我眼里，她没有财产积累，实在是浪费了很多钱。在她眼里，我没有享受 生活，实在是浪费了生命。
婚后我们一直在这个问题上有很大的冲突，我认为储蓄和投资理财非常必要，她认为不能为了数字降低现有生活质量。我觉得很多衣服都还能穿，她则认为不好看，应该统统扔掉。我觉得公务出 差本身就是旅游的机会，无需自费出游，太太则喜欢自助旅行。我们都想把对方拉向自己的阵营，彼此有斗争也有妥协。
为了激励太太储蓄，让她看到储蓄的好处，我制定了1个“储蓄奖励”计划。即她每月从自己的工资中拿出1部分主动存钱，剩下的还像以前一样花，家庭消费都是花我挣的钱。她存多少，我就补贴她多少，都存在她名下。太太一听很高兴，第1个月就从工资中拿出5000元，我就补贴她5000元。这样第1个月她就存了1万元。太太感慨到：“这之前工作了很多年，不过存款只有3万。现在一下子就有了1万，真是感觉太棒了！”1年之后她名下的存款额就变成了12万。看到存折，她也高兴得合不拢嘴。她说：“积少成多、聚沙成塔，储蓄实在太重要了！乱花钱是很爽，但看着存款数目往上涨更有成就感啊...”
于是第2年，她主动增加了存款额，还逐月增加，我的补贴也是相应增加。到了第2年年底，太太看到数字又是喜笑颜开。为了奖励她的储蓄行为，做到“取之于民，用之于民”，我支持她用存款给自己买了1辆车。这1计划使她受到了教育，明白了储蓄的好处。2003年我们一起去了黄山，还借出差之际一起去了澳大利亚和三亚。太太会享受生活这1特长得到了充分发挥，我也渐渐改变了对于消费的很多固有观念。
每次因为花钱意见不一致而争斗时，我们都想：要是找1对金钱观一样的配偶该有多省事。正好1对朋友老公是消费狂老婆是守财奴，他们也经常处于争斗与磨合之间。大家交流后发现，守财奴还是应该和消费狂结 合。如果两个守财奴在一起，除了金钱数字没有任何生活品质；两个消费狂在一起，早就向守财奴借债了。
从此，我家建立了家庭理财的模式：由我来打理家庭的收入、投资和理财，由太太负责消费、记帐和预算，大的支出共同决定。我们互相信任、分工明确、各尽所长。
(丈夫干敏，从事资讯科技业15载。酷爱理财，热衷投资。40岁前实现了财务自由的理想，现在南加州大学攻读工商管理硕士学位。妻子张力，从事资讯科技业 9年后从白领丽人变身全职主妇。无论工作还是在家，干的都是花钱的事。本文所述仅代表他们的个人观点。）
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关于 人生
人生如梦，岁月无情。蓦然回首，才发现人活着是一种心情。穷也好、富也好；得也好、失也好，一切都是过眼云烟。想想，不管昨天、今天、明天，能豁然开朗就是美好的一天。不管亲情、友情、爱情，能永远珍惜就是好心情。记得有一个经典短信这样写着：曾经拥有的不要忘记；已经得到的更加珍惜。属于自己的不要放弃，已经失去的留作回忆，想要得到的一定要努力。累了把心靠岸，选择了就不要后悔，苦了才懂得满足，痛了才享受生活，伤了才明白坚强。总有起风的清晨，总有绚烂的黄昏，总有流星的夜晚。人生就像一张有去无回的单程车票，没有彩排，每一场都是现场直播，把握好每次演出便是对人生最好的珍惜。把握现在，畅享人生！
关于 生活
日出东海落西山，愁也一天、喜也一天；遇事不钻牛角尖，人也舒坦、心也舒坦。每天领取谋生钱，多也喜欢、少也喜欢。少荤多素日三餐，粗也香甜、细也香甜。新旧衣服不挑捡，好也御寒、赖也御寒。常与知己聊聊天，古也谈谈、今也谈谈；全家老少互慰勉，贫也相安、富也相安。
关于 恋爱
不要认为后面还有更好的，因为现在拥有的就是最好的。不要认为还年轻可以晚些结婚，爱情是不等年龄的。不要因为距离太远而放弃，爱情可以和你一起坐火车的。不要因为对方不富裕而放弃，只要不是无能的人，勤劳可以让你们富裕的。不要因为父母反对而放弃，你会发现因为这个原因而放弃的爱情，将是你一生的悔恨。其实对于爱情，越单纯越幸福。一生只谈一次恋爱是最好的，经历的太多了，会麻木；分离多了，会习惯；换恋人多了，会比较，到最后，你不会再相信爱情、你会自暴自弃、你会行尸走肉、你会与你不爱的人结婚，就这样过一辈子。
关于 爱情
也许爱情是一部忧伤的童话，惟其遥远与真实。放弃一个爱你的人并不痛苦，放弃一个你爱的人那才痛苦。若是有缘，时间空间都不是距离；若是无缘，总是相聚也无法合意。凡事不必太在意，更不需去强求，就让一切随缘。逃避不一定躲得过，面对不一定最难过，孤独不一定不快乐，得到不一定长久，失去不一定不再拥有。爱是一种享受，即使痛苦，也会觉得幸福；爱是一种体会，即使心碎，也会觉得甜蜜的爱是一种经历，即使破碎也会觉得美丽；不要因为寂寞而错爱，不要因为错爱而寂寞一生。
关于 伴侣
伴侣，不是结婚时发誓非你不娶或非你不嫁的那个人，而是发现你身上有许多缺点仍然选择你的那个人；伴侣，不是生活中你爱吃黄瓜ta也爱吃黄瓜的那个人，而是你吃蛋清ta吃蛋黄的那个人；伴侣，不是天黑了和你一起手挽手走进饭店的那个人，而是守在门口巴望你回来共进晚餐的那个人；伴侣，不是和你大谈爱情，把“我爱你”挂在嘴边的那个人，而是和你平淡的唠叨柴米油盐、锅碗瓢盆的那个人。在幸福的婚姻中，伴侣已不是一个具体的人，而是你和ta在几十年的岁月中沉淀下来的：一份默契、一份温情、一份平淡、一份理解、一份宽容。爱ta就要让ta开心，这就是伴侣...
关于 承诺
在古希腊传说中，情侣都将戒指套在对方的中指上，因为他们相信那儿有一根血管直通心脏。所以戒指的意思就是用心承诺！但是，人世间有多少爱能生死白头？又有多少的情可以天长地久？所以，你选择共度一生得未必是你最爱的，你最爱的未必能和你共度一生。多少的有情人走不进彼此的今生，只能苦苦的相约于来世；而多少的男男女女走过爱情走进婚姻，却不会再珍惜彼此的付出。所以，记得珍惜你爱的人，把每一个平淡的今天，当成是彼此相依的最后一刻。好好握紧爱人的手，即使ta容颜已老、即使ta满面沧桑，那也是你记忆中永恒的温馨。别忘了守住对ta的承诺，别忘了牵住ta的手，一生一世一辈子...
关于 友情
有一天，友情和爱情碰见。爱情问友情：“世上有我了，为什么还要有你的存在？”友情笑着说：“爱情会让人们流泪，而友情的存在，就是帮人们擦干眼泪！”朋友就是：偶尔会为你担心、对你关心、替你懆心、想你有心、逗你开心、请你放心。朋友之间，懂得关怀才是难得...伤心时不妨和我说、痛苦时别忘了跟我讲、有病时别忘了通知我、困难时记得要请教我、失望时要想起还有我、开心时更不要忘记我。朋友的定义，就在于此...我们是朋友，这就够了...
关于 微笑
被人误解的时候能微微的一笑，这是一种素养；受委屈的时候能坦然的一笑，这是一种大度；吃亏的时候能开心的一笑，这是一种豁达；处窘境的时候能自嘲的一笑，这是一种智慧；无奈的时候能达观的一笑，这是一种境界；危难的时候能泰然一笑，这是一种大气；被轻蔑的时候能平静的一笑，这是一种自信；失恋的时候能轻轻的一笑，这是一种洒脱。不管是有什么事情？为了什么原因？...我们每天都要开心一笑...
关于 幸福
相传幸福是个美丽的玻璃球，跌碎散落在世间的每个角落。有的人捡到多些，有的人捡到少些，却没有人能拥有全部。爱你所爱、选你所选，珍惜现在所拥有的一切。人活着，就是一种心情，把握今天、设置明天、储存永远。只要用心感受，幸福就会永远存在。
人，总是对自己拥有的东西不珍惜，直到不再拥有时才会加倍怀念。而在得知自己快失去自己所拥有的东西、又无能为力时，就寻死觅活地不肯放手，歇斯底里往往发生在这个时候，而对于生命的执著，确实是到死才放手！
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