悦读天下 -一学就会的家庭保险规划课
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  • ISBN:9787111727156
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  • 更新时间:2025-01-09 23:25:28

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精彩短评:

  • 作者:黄不响 发布时间:2023-12-28 13:53:44

    2023.12.18-12.28(6h46)

  • 作者:阿拉丁神灯 发布时间:2023-12-03 21:40:38

    对保险有了框架性的认识,以前了解还是比较片面。优先购买国家基本医疗保险、百万医疗保险,意外险,再来就是重疾险、定期寿险。如果已经不买了百万医疗险得人,最适合购买惠民保险,购买百万医疗险得时候,某些身体情况除外承保,可以用惠民保险作为补充说明。大部分的惠民保年度免赔额在1.5万元以上,经过社保保险以后,自己花费的超过这个免赔额,才可以报销,假设货架基本医疗保险保险比例在70%,那么一年住院费要在6万以上才能用到惠民保。重疾险的保额尽量不低于40万。

  • 作者:查钦布洛德 发布时间:2023-11-13 23:20:18

    我的第一本保险扫盲书,大部分都能看懂,不懂的实际遇到可以再回来查。只要记住作者说的框架性思维,无论再复杂的保险也可以套用。

  • 作者:Tenacity 发布时间:2022-01-21 15:24:07

    写论文翻了翻

  • 作者:狗打肉包子 发布时间:2009-12-19 14:30:35

    故事很有趣 会计更有趣

  • 作者:半橱先生 发布时间:2008-09-17 09:09:34

    每日的新鲜


深度书评:

  • Why we are fanatic space lover

    作者:Bill 发布时间:2015-03-15 17:24:13

    Look at the stars, look how they shine for you

    It's inappropriate to quote lyrics here, to describe the feeling about this book, especially to Kip Thorne. I should know Professor Thorne's name 14 years ago, in Hawking's A Brief History of Time. Fortunately in this year, a biographical film, named The Theory of Everything, illustrates Hawking's life and the famous "bet" between Thorne, Preskill and Hawking himself. Small world.

    Let's concentrate on interstellar travel.

    First we try to understand the framework here: how do we know whether it is true or a speculation. Kip Thorne makes rules here:

    1. Nothing in the film will violate firmly established laws of physics, or our firmly established knowledge of the universe.

    2. Speculations (often wild) about ill-understood physical laws and the universe will spring from real science, from ideas that at least some “respectable” scientists regard as possible.

    "The science of Interstellar lies in all four domains: Newtonian, relativistic, quantum, and quantum gravity." As quoted in this book, we understand the first three domains more or less. However, for the forth one, the quantum gravity, with its own field, we know very little indeed so far. It may exist or become significant centuries in the future, with those anomalies, like the coin Cooper tosses that suddenly plunges to the floor. Here is the "respectable" speculation.

    Then how to travel in the space?

    "Interstellar is an adventure in which humans encounter black holes, wormholes, singularities, gravitational anomalies, and higher dimensions. All these phenomena are “made from” warped space and time, or are tied intimately to that warping. This is why I like to call them the 'warped side of the universe.'” The warped space gives intuition to Jonathan Nolan and his brother, and "Warping begets warping in a nonlinear, self-bootstrapping manner. This is a fundamental feature of Einstein’s relativistic laws, and so different from everyday experience. It’s somewhat like a hypothetical science-fiction character who goes backward in time and gives birth to herself."

    Here we go. The word "warped" repeats so many times in this book. Before Cooper is trapped in the blackhole, almost everything we could deduce on space travel is based on the warped space and time.

    For the blackhole, Kip Thorne considers interstellar is the first Hollywood movie to depict a black hole correctly, in the manner that humans would actually see and experience it. We need data of blackhole, since "If we know the mass of a black hole and how fast it spins, then from Einstein’s relativistic laws we can deduce all the hole’s other properties: its size, the strength of its gravitational pull, how much its event horizon is stretched outward near the equator by centrifugal forces, the details of the gravitational lensing of objects behind it."

    That's why Cooper and TARS ships towards Gargantua, the gentle blackhole in the new galaxy. But how could they survive? Let's discover the new findings in science.

    "In 1985, we physicists thought the cores of all black holes were inhabited by chaotic, destructive BKL singularities, and everything that entered a black hole would be destroyed by the singularity’s stretch and squeeze. That was our highly educated guess. We were wrong.

    In the intervening quarter century, two additional singularities were discovered, mathematically, inside black holes: gentle singularities, to the extent that any singularity can be gentle. Gentle enough that Cooper, falling into one, might possibly survive. I’m dubious of survival, but we can’t be sure. So I now think it respectable, in science fiction, to posit survival. Also in the intervening quarter century, we have learned that our universe is probably a brane in a higher-dimensional bulk. So it’s respectable, I think, to posit living beings that inhabit the bulk—a very advanced civilization of bulk beings—who might save Cooper from the singularity at the last moment. That’s what Christopher Nolan chose."

    We get the meaning of "gentle" here. More fascinating, the next is really exciting to me.

    In Einstein’s more accurate, relativistic version of the gravitational laws, the strength of gravity, and the strength of all the warping of space and time produced by matter, are also proportional to this G. If there is no bulk—if the only thing that exists is our four-dimensional universe—then Einstein’s relativistic laws say that G is absolutely constant.

    However it may NOT always be constant.

    If the bulk does exist, then the relativistic laws allow this G to change. It might, the Professor speculates, be controlled by bulk fields. It probably is controlled by bulk fields, he thinks. All the characters in Interstellar are convinced that bulk beings exist, though they use that name only rarely. Usually, the characters call the bulk beings “They.”

    "They" creates the space for us, and "They" creates the wormhole, the final tesseract.

    "In our universe, space has three dimensions: up-down, east-west, and north-south. But to schedule lunch with a friend, we must tell her not only where, but also when. In this sense, time is a fourth dimension. In Interstellar, the characters often refer to five dimensions. Three are the space dimensions of our own universe or brane (east-west, north-south, up-down). The fourth is time, and the fifth is the bulk’s extra space dimension."

    Here comes the two paragraphs I love in the last chapter.

    "We live in a universe governed by physical laws. By laws that we humans are capable of discovering, deciphering, mastering, and using to control our own fate. Even without bulk beings to help us, we humans are capable of dealing with most any catastrophe the universe may throw at us, and even those catastrophes we throw at ourselves—from climate change to biological and nuclear catastrophes."

    "But doing so, controlling our own fate, requires that a large fraction of us understand and appreciate science: How it operates. What it teaches us about the universe, the Earth, and life. What it can achieve. What its limitations are, due to inadequate knowledge or technology. How those limitations may be overcome. How we transition from speculation to educated guess to truth. How extremely rare are revolutions in which our perceived truth changes, yet how very important."

    I love this book, not only for the explanation of interstellar, but for Kip Thorne's sparking idea. When I was a little child, I would love to look at the stars. We live on the earth, but it doesn't mean we have to die here. Last year, Gravity showed how we managed to survive in the universe. This year, Interstellar shows how we discover the unknown, and turn it to real.

    Space is the final frontier. We are still pioneers.

  • 赚钱是一回事,守住财富是另一回事

    作者:夏冰雹 发布时间:2024-03-09 10:09:47

    现在社交媒体上流行“搞钱”一词,似乎搞到钱就是人生故事的快乐大结局了,而实际上搞到钱只是短暂的一个瞬间,多数的结局是一招回到解放前。正如《金钱心理学 The Psychology of Money》这本书所说,赚钱是一回事,守住财富是另一回事。

    作为一个温州人,我也接触过一些高楼万丈起又一夜亏光的故事。2019年,我在香港参加了一个温州金融老乡组织的聚餐,听闻饭桌上的那位低着头的温州苍南青少年男孩的传奇故事,他初中毕业就没有继续上学了,和一帮男孩子把俄罗斯的女孩带到中国,运营夜总会,很快就挣到了好几个亿,他和哥们儿一起时常喝酒庆祝,最终因分赃不均,被哥们背叛,钱全没了。

    我小时候总会听到一些放高利贷的故事,那时候放高利贷的人总是特别招人羡慕,轻轻松松年入千万。我小区斜对面有一个高端小区,一户人家靠着高利贷拥有了十几套房子,资产上亿,不幸在温州金融泡沫破灭之时,资金链断裂,欠了几个亿,房产全部变卖也不够还;我幼儿时期,和我同住一栋居民楼的一位阿姨,在我印象里她总是穿着带有香水味的貂皮,后来用杠杆放高利贷挣了几千万,二零一几年,她突然人间蒸发,对身边的人悄悄透露,挣来的几千万全赔光了,被人追债,去广西躲起来。

    在不断流动、跌宕起伏的市场中,守住财富是很难的。40%可以成功上市的公司都会失去所有的价值;福布斯前400位美国富豪排行榜,每10年就会洗牌20%;65%的NBA球员在退役的5年内破产。

    那些看起来会长盛不衰的家族,也难逃清零的命运:美国范德比尔特通过铁路和船运事业积累了巨额财富,曾经成为美国最富有的家族之一,由于缺乏有效的财富管理,这个家族的财富在几代人后就失去了;2016年瑞银和普华永道亿万富翁报告指出,亚洲90%的亿万富翁的财富将延续不到第一代和第二代之后。

    巴菲特曾给大家忠告,人一生不要富两次,也就是你通过努力创业,成功了,富有了,但之后你用所有的家当去冒险,又成了穷光蛋。大起大落,东山再起,听起来很励志,但是对精神状态会是致命的考验,波峰和低谷的差距越大,人生质量的感受越差。他说:“为了赚他们没有也不需要的钱,他们拿自己有也需要的钱冒险,这是愚蠢的。To make money they didn’t have, and didn’t need the risk what they did have and did need and that’s foolish. ” 在不影响生活质量的情况下,用收入的小部分去做投资,是合理的;但是人要小心Never Enough的冲动,不应冒过度的风险(撬杠杆做投资、做空股票、践踏法律底线等等)去追求更多的财富,而应注重财富的保值、利用复利效应慢慢增值,可持续发展。

    所以,一切的经济行为,最后都是对人性的考验。《金钱心理学》这本书写道,“赚钱需要冒险,要乐观,大胆出击。但守住钱需要的恰恰相反。这需要谦虚,也需要害怕所创造的财富会很快被夺走。Getting money requires taking risks, being optimistic, and putting yourself out there. But keeping money requires the opposite of taking risk. It requires humility and the fear that what you have made can be taken away from you just as fast.”

    人还是要想清楚,赚钱的目的是什么?你想通过钱实现什么样的生活方式?多少数量的钱能实现你的生活理想?获得最大程度的时间和精神自由,而不会成为金钱和欲望的牺牲品。


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  • 网友 谭***然: ( 2024-12-14 12:49:47 )

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