上海人的绝望日记

早起，用水龙头里流出来的猪蹄膀水刷牙洗脸，买两根地沟油油条， 切个苏丹红咸蛋，冲杯三聚氰氨奶，吃完开着锦湖轮胎的车去上班。

中午，瘦肉精猪肉炒农药韭菜，再来一份人造鸡蛋卤注胶牛肉， 加一碗石蜡翻新陈米饭，泡壶香精茶叶。

下班，买条避孕药鱼，尿素豆芽，膨大西红柿，石膏豆腐， 回到豆腐渣工程天价房，开瓶甲醇勾兑酒， 吃个增白剂加吊白块和硫磺馒头，饭后抽根高汞烟， 去地摊买本盗版小说，回去上一会盗版操作系统的XP ， 晚上钻进黑心棉被窝。

核辐射算啥，很盐重吗？

中国。作者开的车，行驶在全世界最堵的路上， 交着全世界最多的买路钱，避让着全世界最多的特权车， 提防着最厉害的马路杀手，暴露在全世界最密的电子眼下， 担心着全世界最诡异的罚款命运，买车拍下全世界最贵的牌照， 缴上全世界最多的税费，烧着全世界最贵的油，还TMD找不到停车 位！！

我们要坚强地活着：尽管油价又涨了，房价还坚挺，房税又要交了， 尽管雾霾笼罩着天空，地震持续不断，尽管双汇含有瘦肉精， 毒大米时有出现，尽管学位紧缺，床位难求，孩子常在校园遭意外， 尽管小三横行滥情成风，老板还不加工资，我们都要坚强地活下去， 因为...

因为墓地又涨了！！

经典MBA课程

第一集
兔子在山洞前写文章。狼走了过来问：“你在写什么内容啊？” 兔子答：“《浅谈兔子是怎样吃掉狼的？》。” 狼不信，于是兔子把狼领进山洞。过了一会，兔子独自走出山洞，继续写文章。

野猪走了过来问：“你在写什么？” 兔子答：“《浅谈兔子是如何吃掉野猪的》。” 野猪不信，于是兔子又把野猪领进山洞。

最后，在山洞里，一只狮子在一堆狼骨头和野猪头骨头之间，满意地剔着牙，读着兔子交给它的文章——《员工能力的大小，关键看你跟谁干》

总结：一个人不在于你干什么，在于你跟谁干；不在于你付出多少努力，在于你所处的平台有多大。人生最重要的是选择。选择错误，再多的努力也是白费。要想选择正确，就得知道你要的平台和老板的背景。
第二集

兔子不小心把这件事告诉了他的朋友，消息逐渐在森林中传开。狮子非常生气：“如果这个星期没有食物进洞，我就吃你。”

兔子于是继续在洞口写文章，小鹿走过来：“你在写什么？”兔子答：“ 《浅谈兔子是怎样吃掉狼的》。”小鹿说：“这个事情全森林都知道啊，你还玩这一套？。”“兔子说：“就是因为全森林都知道了，我只能退休了，狮子说要找个人顶替我，难道你不想接替这个岗位吗？”小鹿终于忍不住诱惑，跟随兔子走进洞里。

过了一会，兔子独自走出山洞，继续写文章。小马走过来，同样的事情发生了。在山洞里，狮子满意的剔着牙，读着兔子交给它的文章——《销售人员如何发展下线为老板创造效益》。

总结：自己的秘密不要随便泄露，一旦泄露了，必须要相应的有效补救措施；员工必须不断为老板创造价值，当你给老板所贡献的价值小于你享受的价值时，也就是你该走人的时候。
第三集

狮子越长越大，兔子的食物已远远不能填饱肚子。他告诉兔子：“我的食物量要加倍，原来4天一只小鹿，现在要2天一只，如果一周之内改变不了局面我就吃你。”

于是，兔子离开洞口，跑进森林深处，他见到一只山羊：“你相信兔子能轻松吃掉狼吗？”山羊不信，于是兔子把山羊领进山洞。

过了一会，兔子独自走出山洞，继续进入森林深处。 这回他碰到一只野猪，同样的事情发生了。原来森林深处的动物并不知道兔子和狮子的故事。最后，在山洞里，狮子满意剔着牙，读着兔子交给它的文章——《如何实现由坐商到行商的转型》

总结：不断开拓新市场，不断挖掘新的商业模式是打开僵局的好办法。当你实在想不出解决问题的方法时，走出去吧！

第四集

随着时间推移，狮子由于长期吃了就睡，长得很胖。一日，狮子决定出去散散心，突然发现洞口太小了，它的身体根本无法出去。

兔子站在洞口，得意地说：“今后，你得什么都听我的，否则别想让我给你弄吃的。”狮子无奈地说：“好吧！只要给我吃的，什么都可以。”这时，狮子才发现兔子的新论文——《战略决定高度——论兔子是如何借力狮子的》。

总结：为狮子设计一个衣食无忧的场所，借助狮子威名提高自己在森林里的影响力，忍辱负重，最终把控制权掌握在手里，所有付出都是值得的。

第五集

兔子在森林里的名气越来越大，大家都知道它的老板很厉害，而且那么厉害的老板还得什么都听它的。

于是，兔子开始横行霸道，欺上欺下。终于有一天，猎人来了，活捉了兔子，并在洞口贴了张纸条：“强中还有强中手。”

总结：得意不可忘形。
第六集

森林里恢复了往日的宁静，兔子吃狼的故事似乎快要被大家忘记了。

又过了很久，一只年轻的老虎听说了这个故事后，激发了灵感。于是抓住了一只羚羊，说：“如果你可以象以前的兔子那样为我带来食物那我就不吃你。”

羚羊答应了，老虎悠然自得的进了山洞。可是三天过去了，也没有见羚羊领一只动物进洞。它实在憋不住了，出来一看， 羚羊早就跑了，只留下一篇文章在地上——《想要做好老板，先要懂得怎样留住员工》。

总结：同样的商业模式并不适合所有的人。时间的推移，机会成本也在增加，盲目把旧的经验移植到今天的环境当中，失败是难免的。

合理理财：九招防备金融灾难

Paul Merriman 几 乎每天都有人问我怎样看待当前的经济形势，投资者可以有何对策。 很多人认为我们的金融和政治体系已经崩溃，运作这些体系的领导者犯下了欺骗的罪行（至少是间接地），要解决问题，他们必须放弃既得利益、放弃权力，可能还会让自己受到牵连。 我相信几百年来都是这样的情况，今天我们不过是了解得更加透彻而已。 就我个人而言，我不怀疑我们正在走向一轮严重衰落，它将对我们的金融体系造成重大破坏。我不知道此事何时发生或怎样发生。一年之后？10年之后？100年之后？ 没法知道，但我相信此事在我有生之年发生的概率相当大，而在我孩子们的有生之年发生则几乎是百分之百的事情。 那么投资者该怎么办呢？肯定没有完美的答案，但我看到很多人都在做我觉得很愚蠢的事情。他们把所有资金都投进债券、黄金或租赁物业当中，或者是拿出大部分的资金购买固定年金。我觉得这些做法都错了。 不管有没有用，我还是跟大家分享一下我本人采取的九项措施吧： 1. 我的工龄超过必要时长，存款超过自认为可能需要的数量。这使我有了一道缓冲，随着生活成本上升（可以预见），如果资产组合价值缩水，我可以做一些调整。 如果你做投资的话，超量存款是必需的。我从来没有听谁对做这件事表达过悔恨。 2. 我遵循一套灵活的退休金提取计划，每年拿出资产组合在最近一个12月31日所值的5%。从一定程度上讲，这是让市场来决定我的预算。如果市场行情不错，预算就上去了，如果市况下滑，我就勒紧裤腰带。 3. 我一半的资产通过指数型基金“买入并持有”，另一半则采用不依靠预测、观点和评价的“机械式市场择时机制”(mechanical market timing)。两种方法不存在关联，它们的组合让我心安。 在市况好的时候，“买入并持有”的投资几乎总是有更好的表现。在市况差的时候，择时投资几乎总是有更好的表现。我的投资组合里面，总有一部分让我觉得自己参与了某个效果不错的策略，也总有另外一部分给予我安全感。 根据我的设计，“买入并持有”投资组合的风险和波动性水平与“择时”投资组合一样。请看下文了解我是如何操作的。 4. 我将“买入并持有”投资组合的一半资金投入美国国债型基金。当市况严重下滑时，通常会有大量资金涌入质量最高的固定收益资产类别。这可以在股市下跌的时候提高我债券投资组合的价值。 5. 出于同样的原因，我将“择时”投资组合中的三成资金放进债券型基金。为什么不是50%？这是因为我所用择时机制的初衷是为了让我在重大下行行情中离市变现。因此不需要用那么多的债券来实现这一目的──同时又可以腾出更多资金来投资股市。 6. 我定期调整投资组合以恢复预定的资产配置目标。这让我的风险水平停留在希望保持的程度。在这一过程中，我被迫买进一些落后于大市的资产并卖掉一些表现不错的资产。 这就叫低吸高抛。你可能听过说，可能也知道做起来不一定容易。调整资产配置使它变得容易并且自动化。 7.分散我的股权投资，使之在美国基金与国际基金、小盘股与大盘股、价值型基金与成长型基金之间保持平衡。20多年来我一直在倡导这种程度的分散化，并看到它一次又一次地见效。 8. 除了我前面说的以外，从1995年开始，我还在一只本身也综合采用资产配置、择时机制和杠杆化手段的对冲基金开了户。虽然我觉得很多退休人士都不应该投资对冲基金，但我做这项投资所用的资金，是我觉得自己永远也用不上的那一部分。 这只基金给我带来了不错的回报，对它相对较高的波动性我也觉得无所谓。我将这只基金产生的利润定期取出，而不是让利润累积起来增加我的整体风险水平。 9. 我不想这一切都亲自去做。我有一位专业顾问来帮我全盘打理。 我妻子熟知所有这些账户，对我们的顾问也感到放心。所以如果我过早离世的话，她还是可以过她的日子，不必担心财务保障问题。 显然我的方案谈不上滴水不漏，毕竟任何时候都有可能发生意想不到的事情。但这套方案包括了我知道该怎么做的一切，它使我在想到未知的未来时气定神闲。 （Paul Merriman致力于教授各个年龄阶段的人怎样最大化地获益于他们的退休金投资。他是西雅图投资顾问公司Merriman LLC的创始人，出版有多部投资方面的书籍。）

餐桌上的健康营养搭配学问

吃，是人们日常生活中绝对不可能缺少的，但是你知道如何搭配食物能够为你的身体带来健康吗，怎么搭配才好吃呢？如果一个搭配不好，可能会适得其反，为你的身体健康增加负担哦。所以说餐桌上的健康营养搭配值得一学。

我们日常摄入的食物有几十种，每种食物只含有部分营养素，若在膳食中注意将含有不同营养特点的各种食物巧妙搭配，这些“哥俩好”不但有利于人体很好地吸收其营养成分，使营养价值成倍增加，还可以减少其中的副作用，对人体健康更为有利。

一、海鲜、奶制品配蔬菜

海鲜是“高嘌呤”并呈极高酸性的食物，摄入过多会引起代谢紊乱，增加血尿酸浓度，引发痛风。如果吃海鲜时，多吃些蔬菜、喝点牛奶，这些碱性食物就可以中和尿酸盐浓度，有利于尿酸排出，大大降低得痛风的危险。

能够中和嘌呤的碱性食物还有：鸡蛋、玉米、生菜、冬瓜、芹菜、莴笋、萝卜等。含嘌呤较少的食物为奶类及其制品、各种主食、蔬菜、水果等。

二、豆腐配海带
豆腐营养丰富，含皂角苷成分，能抑制脂肪的吸收，促进脂肪分解，阻止动脉硬化的过氧化质产生。但是，皂角苷会造成机体碘的缺乏，而海带中富含人体必需的碘(每100克海带含碘24克)。由于海带含碘多，也可诱发甲状腺肿大，二者同食，让豆腐中的皂角苷多排泄一点，可使体内碘元素处于平衡状态。

但需要注意的是，海带性寒，脾胃虚寒者忌食。患有甲亢的病人不要吃海带。孕妇、乳母不宜吃过多海带，因为海带中的碘可随血液循环进入胎(婴)儿体内，引起胎(婴)儿甲状腺功能障碍。

三、玉米配豌豆

玉米中所含的胡萝卜素，被人体吸收后能转化为维生素A，具有防癌作用；植物纤维素能加速致癌物质和其他毒物的排出；天然维生素E则有延缓衰老、降低血清胆固醇、防止皮肤病变的功能，还能减轻动脉硬化和脑功能衰退。此外，多吃玉米还能抑制抗癌药物对人体的副作用。

豌豆味甘，具有调和脾胃、利肠、利水的功效；它还富含胡萝卜素、维生素C，可使皮肤柔嫩光滑；其中的粗纤维还能预防直肠癌

玉米和豌豆搭配在一起，可提高人体对蛋白质的利用价值。因为不同食物中组成蛋白质的氨基酸不同，玉米中赖氨酸含量低，与含赖氨酸高的豌豆混合食用，可以起到蛋白质互补作用，从而提高食物的营养价值。

将玉米与豌豆按3∶1的比例混合，倒入能没过它们一半的清水，加入少许精盐、味精、几粒花椒，小火慢煮即可。也可煮八成熟后，在炒锅中加入少许植物油、葱花爆香，放入已准备好的玉米和豌豆，加盐、味精炒熟即可。
四、鱼配豆腐

营养学家经研究发现，在大豆中含有的脂肪成分具有降低胆固醇作用。而鱼脂肪中含有名为二十碳五烯酸的不饱和脂肪酸。这种物质具有使血流更顺畅、流动不易凝聚、降低胆固醇的作用。

另外，鱼肉中含有的牛黄酸成分也有降低胆固醇的作用。因此，豆腐和鱼搭配着吃，降低胆固醇的作用被大大强化了。

需要提示的是，做鱼烧豆腐或鱼炖豆腐时，用老豆腐比较好，再放一些蔬菜和香菇，无论风味还是营养都更加诱人。

五、猪肝配柿子椒

对贫血的人群及儿童青少年来说，补血的食物是动物肝脏和瘦肉。动物肝脏中含有丰富的铁，但是很多膳食因素影响铁的吸收和利用。铁的吸收必须由高价铁转变为低价铁的复合物，其过程需要维生素C的作用。

而猪肝搭配柿子椒正是一举多得，因为柿子椒含有丰富的维生素C，100克柿子椒中维生素C含量为72毫克，是菠菜的2.3倍、西红柿的4倍。同时柿子椒中的膳食纤维素能促进食物中胆固醇排泄。还有，柿子椒和猪肝同熘炒，其中富含多种脂溶性维生素及β-胡萝卜素，能够完全被吸收利用。

为了防止蔬菜烹调时丢失维生素，加工时应先洗、后切、大火快炒，现吃现做，吃菜喝汤。

六、芝麻配海带
据现代营养学分析，芝麻含有人体所需的多种营养素，其蛋白质含量多于肉类，其中氨基酸含量十分丰富，含钙量为牛奶的2倍。芝麻含脂肪更为丰富，高达54%，还有较多的卵磷脂，可防止头发过早变白或脱落。其中含有维生素E等多种有益于皮肤的养分，可改善血液循环，促进代谢，收到美容之功效。

海带富含钙元素与碘元素，有助于甲状腺素合成。这两种食物搭配，不仅能美容，还有延缓衰老的作用。

凉拌芝麻海带是一道非常有营养的爽口凉菜。先将100克芝麻去杂质，淘洗干净，放入锅内，用小火慢慢炒，当炒至芝麻发香时，出锅晾凉。350克湿海带洗净切成丝。旺火蒸海带丝15分钟后出锅晾凉，放入味精、醋、糖、橄榄油拌匀装盘，撒上芝麻，拌匀即成。

七、黄绿蔬菜配坚果

在黄绿蔬菜中含有丰富的维生素A、维生素C和β-胡萝卜素；核桃、花生、芝麻等坚果中富含维生素E。维生素E具有抗氧化作用，保护皮脂和细胞膜蛋白质及皮肤中的水分，能抑制色素斑及老年斑形成。

二者食物搭配，维生素E能促进人体对维生素A的利用，可与维生素C起协同作用，保护皮肤健康，减少皮肤感染，使皮肤柔嫩光滑，减少面部皱纹。

特别推荐一道花生芹菜。炒锅内放入植物油，烧热放入200克花生米，炸酥时捞出，去掉膜皮。再将300克芹菜去根、叶，洗净，切成3厘米长的段，放入开水中烫一下，捞出，用凉水过凉并控净水分。把芹菜均匀码放在盘子边上，再把花生米堆放在芹菜圈中。最后，用酱油、精盐、味精配成的调味汁，浇在芹菜上，吃时拌匀即可。同样，花生米可用核桃仁、杏仁、腰果等替代。

八、猪肉配大蒜

民间素有“吃肉不加蒜，营养减一半”之说，确有科学道理。猪肉中维生素B1的含量比其他肉食含量平均高9倍，但此种维生素不稳定，在人体停留时间也短。若同吃大蒜，大蒜中的蒜素与维生素B1结合，将其水溶性变为脂溶性，进而大大增加人体的吸收与利用，保健效果更佳。

烹调时大蒜不宜久煮，只可大火快炒，防止有效成分被破坏。若要除去嘴中的蒜味，吃完大蒜后，喝一杯温牛奶，就可以有效去除蒜味。这是因为嘴中的残留气味来自大蒜的“硫化丙烯”物质。牛奶中的蛋白质可与“硫化丙烯”结合，可以使口中的蒜味去除。同样道理，吃完蒜后，也可嚼一些花生仁、核桃仁等食物。
九、木耳、生姜配苹果

常吃黑木耳可使血小板凝聚率显著下降，有利于血液稀释，改善血液黏度，促进血液流动。

生姜含有一种类似水杨酸（阿司匹林）的物质，能减少体内凝血酶的数量，减少血小板的凝聚，并有溶解血栓的作用。

苹果含有丰富的果胶，能降低血中胆固醇、脂肪的浓度，防止脂质凝聚。果胶还能与苹果中的维生素C、果糖、镁等结合成新的化合物，以增强降血脂、胆固醇的作用。

三种食物搭配，降胆固醇、降血黏度作用更强。用这三种食材能做出一款营养美味的降脂汤。将两大朵干的黑木耳泡发后洗净，鲜姜切末，苹果切片。然后，将黑木耳、苹果加水500毫升，煮开后加入姜末即可。此汤每天可饮用500毫升。

全面ＰＫ六位美国知名的理财专家

Dave Ramsey

Dave Ramsey takes to the airwaves 5 days a week as host of The Dave Ramsey Show, which, according to his Website, is heard on 500 radio stations, reaching an audience of more than 6 million people. In addition to several best-sellers aimed at adults, including The Total Money Makeover: A Proven Plan for Financial Fitness and Financial Peace: Putting Common Sense Into Your Dollars and Cents, Ramsey is also the author of several children's books on such topics as spending, saving, and debt.

Debt is something that Ramsey has had some personal experience with. On his Website, he says that he had "a lot of short-term debt" when he was younger, even on an annual salary equivalent to that of many doctors: $250,000. Getting rid of debt and building wealth has become something of a crusade for this self-made millionaire, and plenty of folks have attended his classes in cities and towns across the country. Ramsey's Website describes "Financial Peace University" as a "biblically based curriculum" and, in fact, nearly all of his financial seminars are held in places of worship.

What our experts say about Ramsey: Dave Ramsey has built up quite an empire and has a very devoted following. Many people, physicians among them, say they've taken much of Ramsey's commonsense advice to heart and have made a substantial amount of money over the years by sticking to it. Among Ramsey's "7 Baby Steps" are smart recommendations like "invest 15% of your household income in Roth IRAs and pretax retirement plans" and "pay off your house early."

The knock on this advice among financial experts is that it's sometimes too simplistic and it doesn't allow for the realities of life, such as job loss, boomerang kids, the death of a spouse, or divorce. But as one devoted Ramsey fan put it, "Everyone has to start somewhere, and Dave's tips on debt and budgeting have put a lot of people on the right path."

The biggest concern about Ramsey isn't so much with the advice he's giving, say the people we spoke with, but rather with the various alliances he's formed with other financial professionals. Take, for instance, "Dave Ramsey's Endorsed Local Providers" (ELPs for short): a list of investment advisors, insurance agents, tax professionals, and real estate agents that Ramsey's company maintains. "Unfortunately," says author and economist Eric Tyson, "Ramsey's company fails to disclose that they're referring unsuspecting members of the public to commission-based brokers -- and that Ramsey has been paid a fee from each of these professionals."

Ramsey discloses this relationship on his Website, but says the fees are used to fund the large staff and technology necessary to operate the ELP program. Be that as it may, Tyson says it takes chutzpah to say, as it does on Ramsey's Website, that "ELPs earn Dave's endorsement, they don't buy it."

Jean Chatzky

A journalist who worked as a Wall Street research analyst to further her ambitions of writing for a major financial magazine, Jean Chatzky has become a nationally known columnist; book author; and, in recent years, a featured financial expert on NBC's Today show.

Like Dave Ramsey, Chatzky's own experiences with debt fueled her desire to want to help others avoid the cash-flow problems she got into when she was just starting out in the world of journalism -- mistakes that she shares on her Website. It's that sort of humility and straight-shooting that has attracted scores of novice investors to Chatzky's books and online money management programs.

In addition to being a television personality and best-selling author, Jean Chatzky has partnered with financial companies, including American Express, Principal Financial Group, Visa, and Wells Fargo, to develop financial and educational "wellness programs" for their employees, customers, and clients. A testimonial on Chatzky's Website says, "Over and over again, Jean delivers great work for us. She's smart. She's witty. She's approachable. Jean is a journalist and a financial expert, but the reality is, she's also someone you want to chat with over a cup of coffee."

What our experts say about Chatzky: "Jean Chatzky gives solid, basic advice and encourages consumers to pay close attention to the many parts of their financial lives," says financial planner Karen Altfest. "Her ideas are simple and clear. Her books are written in the same clear style, so consumers don't have to have any particular expertise to realize that they could be doing more to take care of their own finances." In fact, Altfest thinks so highly of Chatzky that she's recommended her books to some of her clients.

Our other experts agree with Altfest, although one expressed reservations: "Jean Chatzky's basic, day-to-day advice is fine, but her overall philosophy doesn't work for everyone and she doesn't seem to account for that," says author Helaine Olen. Two of Chatzky's mantras, which appear on her Website, are "spend less than you make" and "save, then invest." Those are fine for people with means, such as doctors and other high-earners, Olen says, but "it's dubious advice if you're on unemployment and trying to get by on a few hundred dollars a week."

Then there are Chatzky's partnerships with financial companies: "Those relationships make her very unlikely to publicly criticize any of these companies and their business practices," Olen points out.



 

Jim Cramer

A Harvard Law School graduate who touts himself as the "champion of the middle-class investor," Jim Cramer is one of the most ubiquitous financial personalities in the media today. Cramer's blustery, arm-waving style has won him many fans, however. His television show, Mad Money, runs 5 nights a week on CNBC, and he's also a coanchor of the network's Squawk on the Street program, which airs from the floor of the New York Stock Exchange. Cramer has also appeared on CBS' 60 Minutes;NBC's Nightly News with Brian Williams, Meet the Press, and The Tonight Show; and MSNBC's Morning Joe.

No stranger to controversy, Cramer's opinions have ruffled feathers as high up as the White House, which responded to his accusations, in 2009, that President Obama caused "the greatest wealth destruction I have seen by a president."

What our experts say about Cramer: Before becoming a TV star, Jim Cramer ran a hedge fund that was apparently wildly successful -- or so he claims. Eric Tyson says that he was unable to verify the returns independently. "Beware of prognosticators claiming market-beating returns who have no proof of their supposed superior performance," Tyson warns.

It has been much easier, however, to track Cramer's more recent record. A closer look at his stock picks show that he's roughly in the middle of the pack compared with his fellow experts. According to CXOadvisory.com, which graded more than 6400 forecasts made by 68 experts from 2005 through 2012, Cramer had an accuracy rating of 46.8%. By comparison, the highest-rated expert, David Nassar, came in at 68.2%.

"Jim Cramer's predictions sometimes swing dramatically from optimistic to pessimistic, and back again, over short periods," concluded Steve LeCompte, editor of CXOadvisory.com. "It's difficult to infer his guiding valuation theory." Simply put, it's tough to gauge how Cramer chooses the stocks he chooses.

Helaine Olen seconds that, adding, "Because Jim Cramer is so popular, his stock picks often suffer from what's known as the 'Cramer effect': There's an initial run-up in the price as everyone rushes to take advantage of one of his 'inside tips,' then the price slowly deflates over the course of the next several weeks or months. That's not necessarily his fault, but this is what often happens when he mentions the name of some company he's excited about."

A scholarly analysis of Cramer's buy and sell recommendations, published in October 2008 by Paul J. Bolster and Emery A. Trahan, researchers at Northeastern University, the impact Cramer has on the share prices of the companies he discusses. The authors concluded, however, that "while Cramer may be entertaining and mesmerizing to many of his viewers, his aggregate or average stock recommendations are neither extraordinarily good nor unusually bad."

Suze Orman

Like Jim Cramer, Suze Orman is no stranger to the viewing public. In fact, her Website goes so far as to say, "Orman is undeniably America's most recognized expert on personal finance." While that boast may be hard to substantiate, there's no denying that Orman has been extremely prolific over the past several years.

She's had several best-sellers, including Women & Money: Owning the Power to Control Your Destiny and The Money Class, and has been honored by many national women's organizations for her messages of financial empowerment. Orman has also won 2 Emmy Awards as a television host and 8 Gracies, which recognize outstanding programming "created for women, by women, and about women."

What our experts say about Orman: Suze Orman has no formal training in personal finance, a fact she freely admits on her Website. Although there's no crime in that -- smart people make successful career switches all the time -- both Olen and Tyson say that much of Orman's advice is based on platitudes, and is general and nonspecific. Tyson says the "good debt/bad debt" argument -- good debt includes mortgage debt, bad debt includes such things as credit card debt -- may well be true, although it's an old philosophy that Orman has simply recycled.

But for every detractor, there's someone willing to sing her praises. In fact, it's hard to argue that Orman's advice is off-base when, as she did a few years ago, she advised home ownership only for people who can truly afford it: 20% down, with 8 months' worth of living expenses in reserve.

As she said in a video posting, "There's a whole lot more to home ownership than being able to afford the mortgage: You have closing costs. You have moving costs. You have decorating costs. You have all these expenses. And when things go wrong...you're the one responsible." If that's overly general, then so be it. But it probably made some cash-strapped folks think twice about taking the home-ownership plunge.

Granted, Suze Orman has become something of an industry unto herself, including partnerships with such companies as MasterCard and LendingTree. (Her Website promotes a prepaid MasterCard debit card called "The Approved Card from Suze Orman," which requires a $3 nonrefundable enrollment fee.) "These relationships seem to me to be a conflict of interest," Eric Tyson says. "How can she objectively review and recommend products and services in the financial services industry if she's receiving fees from those same companies?"

Robert Kiyosaki

Robert Kiyosaki's 1998 best-seller, Rich Dad Poor Dad, maps the financial paths of 2 men who shaped the author's outlook on money: his natural father, a well-educated man who nonetheless struggled with his finances, and his best friend's dad, a high-school dropout who built a successful business and achieved great wealth.

The story was captivating enough to launch a whole "Rich Dad" industry that includes books, workshops, radio programs, personalized coaching, and live events. There's even a board game called "Cashflow 101," which is sold through richdad.com for $195. (A kid's version is available, too.)

All of these products and services have only added to Kiyosaki's wealth, however: The teachings he espouses in Rich Dad Poor Dad helped him retire by 47 years of age, his Website says.

What our experts say about Kiyosaki: "No one should be listening to this guy," says Helaine Olen, who has a hard time believing some of Kiyosaki's stories and other assertions in Rich Dad Poor Dad. "His workshops have advocated investing in real estate by using credit cards as quick down-payment money. That's terrible advice." Indeed, Kiyosaki has been a long-time fan of real estate and has historically bashed investing in stocks and mutual funds. In a 2006 article, he wrote that investing long term in a diversified portfolio of mutual funds "ranks among the worst possible investments."

Kiyosaki then proceeded to attribute some faulty logic about mutual fund fees to Vanguard founder John Bogle, in short saying that mutual fund companies typically take 80% of a fund's annual return and give investors just 20%.^[3]

That's crazy talk, Eric Tyson says. "What planet is Kiyosaki living on that he asserts mutual funds keep 80% of investors' returns?" For instance, the typical stock fund charges far, far less in fees and returns, on average -- about 8% per year over the long term. Tyson further argues, "If you buy a low-cost stock index fund and pay just 0.2% per year in fees, that would represent only 2% of your total return -- again, a far cry from 80%."

Jane Bryant Quinn

One of the "deans" of personal finance, Jane Bryant Quinn has been in the public eye for more than 3 decades. According to her Website, she wrote a syndicated column that ran in more than 250 newspapers for 27 years and contributed a column toNewsweek for 30 years. Her career in television includes 2 programs on PBS and a 10-year stint with CBS News. Bryant Quinn's highly acclaimed book, Making the Most of Your Money, was first published in 1991 and is currently in its third printing.

A second book, Smart and Simple Financial Strategies for Busy People, came out in 2006. A frequent speaker for business, civic, and educational groups, Bryant Quinn has won an Emmy and a Janus Award for her television work and has received the Gerald Loeb Award for distinguished lifetime achievement in business and financial journalism.

What our experts say about Bryant Quinn: "Her advice is excellent," Olen says, adding that Jane Bryant Quinn has no contractual partnerships with financial companies and touts no products on her Website, with the exception of her books. "In many ways, she's in a league of her own among these people," Olen says.

Bryant Quinn has also been early in discussing what later turned out to be several major financial trends, including the increasing burden of healthcare costs on businesses, individuals, and families and the steady growth of income inequality in America. "She shows a social conscience and an ability to see elements of society that can have lasting effects -- for better or worse -- on people's finances," Olen says. "She's a real class act."

Karen Altfest, who has met Jane Bryant Quinn several times, agrees. "Her columns have always been very helpful and informative, and her books have been almost exhaustive in the good-sense information they provide. She always maintains very high standards." Altfest adds that Bryant Quinn will be honored this spring by the Financial Planning Association of New York, such is her reputation within the greater financial planning community.

Conclusion

Self-promotion and the occasional theatrics aside, these experts have opinions and assertions that could benefit your finances in the long run. Take their advice, however, with a healthy pinch of skepticism, especially when it comes from people who promote a lot of products in addition to their books.

If you have any doubts about what you hear or read, run it past your financial planner, or, if you don't yet have one, your accountant or other trusted money advisor. "Don't just listen to some screaming guy on TV," Helaine Olen says. "That's not the way to approach investing."

Levels of marketing magic, the placebo effects of desire

ANTICIPATION: Before the product is released, the true fans are buzzing and speculating and waiting in line. The anticipation is self-reinforcing, a placebo effect of desire.

UTILITY: The album is good, the software is useful, the book changes things. It works better than we hoped. Exceeding expectations pays significant dividends.

REMARK: It's purple. Remarkable. Worth talking about. The word spreads. Ten people tell ten people and suddenly, it's abuzz. Not because of PR or hype, but because the remarkability is built right into the product or service itself. And more people enjoy things that are getting buzzed about.

TRIBE: The core group, the true fans, are even more connected then before. The organization has helped them organize, the product creates a culture, commitments are made, conversations persist, a culture is built. To use something that makes us feel as though we belong is magic indeed.

[repeat]

If this sounds like Apple, Bob Dylan, The Rocky Horror Picture Show, the Dead, gun collectors or Shake Shack, it's not an accident. It's definitely not an accident.

Johns Hopkins 最新癌症研究報告

多年以來人們一直被告知化療是治療癌症唯一值得去嘗試的方法 ( 嘗試 -成為了關鍵字 ) ，但是 Johns Hopkins 將告訴你其實存在著其他的方法來消除癌症。

Johns Hopkins 最新癌症研究報告:

每一個人身上都帶有癌細胞，癌細胞是無法在一般檢查時被檢查出來的，除非癌細胞擴增至幾十億個數量。所以每當病患治療到一個階段後醫生會告訴病患其體內已無癌細胞時，醫生所指的是其體內癌細胞數量已縮小到儀器無法偵測出來的數量。

在每個人的生命期裡，癌細胞都會出現6至10次。

當人體免疫系統強時，癌細胞是會被摧滅的，同時免疫系統強是能抑制腫瘤形成及擴增。

當人被發現有癌症時，它意謂這個病患是有大量營養缺乏；這可能是由於基因、環境、食物及生活方式等因素造成的。

如何克服營養缺乏，那就是要改變飲食及多進用增強免疫系統之食物。

化療不只能毒殺快速增長之癌細胞，亦會一併消滅骨髓及胃腸道內之健康細胞，同時造成器官衰竭；如：肝臟、腎臟、心臟及肺臟等等。

放射治療在摧毀癌細胞時，亦會灼傷健康細胞、組織及器官。

初期化療及放射線治療是很容易將腫瘤面積縮小到某一程度，然再延長上述療法並不能造成腫瘤完全消除。

化療及放射線治療會讓體內存有大量毒素而危及或摧毀免疫系統，因而導致病患易於感染及病發症。


化療及放射線治療會造成病患癌細胞突變及產生抗體而變得難以摧毀，而手術則易使癌細胞擴散至其它部位。

一個有效的擊潰癌細胞之方式是不供給癌細胞繁殖所需之食物，即是餓死癌細胞。

癌細胞以何為食物：


糖是癌的食物，若不食糖即刪除癌細胞很重要的一項食物供給。代糖如Nutra sweet, Equal spoonful! 等均是由Aspartame組合而成的，是有害的。較好之天然代糖是Manuka糖漿或Molasses糖蜜，但只能取用少許。食鹽為使顏色變白而有化學添加物，較合適的選擇是海鹽。
.
牛奶會使人體產生黏液，尤其是在胃腸道內，而黏液正是癌症之食物。因而阻絕牛奶及採用不甜之豆漿作替代，癌症就會在無食物情況下萎縮的。

癌細胞是在酸性環境中繁衍的，以肉為基本飲食的體質是酸性的，因而食用魚類及少量雞肉是較食用牛、豬為合適的。 且肉品均含有家畜抗生素、生長賀爾蒙及寄生蟲等，而這些均是對人體的有害物質，尤其是對癌症病患。

以80%新鮮蔬菜及青菜汁之飲食；含全穀類、種子、堅果及少量的水果是有益於體質轉變為鹼性的，! 剩餘20% 可進食煮熟的豆類。新鮮蔬菜汁可提供活性酵素，活性酵素極易在15分鐘內被細胞組織吸收進而滋養 ! W強健康細胞，為取得活性酵素強壯健康細胞應多飲用新鮮果菜汁（多樣蔬菜含豆芽），同時每天進食生青菜（未煮過之）兩至三次，按活性酵素在40度C時會被摧毀。

飲料必須避免飲用咖啡、茶、巧克力因上述飲料含咖啡因，綠茶是較佳之選擇，因為其有抗癌特性。而平常應飲用淨化水或過濾水，然應避免飲用有毒的或重金屬的水。 蒸餾水是酸性的不要喝。

肉類的蛋白質不易消化的，因為肉類的蛋白質需要大量消化酵素消化，未消化的肉質會留殘在腸內淨化，而引發有毒物質形成。

癌細胞壁有很硬之蛋白質包裹，因而節制食用肉類可讓多出之酵素去攻擊癌細胞壁之蛋白質，而體內殺手細胞則有空間摧毀癌細胞。

部份營養品是能增強免疫系統（如抗氧化劑、維他命、礦物質等等）去驅使自體殺手細胞去摧毀癌細胞，其他營養品如維他命E會使細胞萎縮，或漸使細胞死亡，而非原體內一般處置損壞、無用及不需要細胞之模式。

癌症是一種心態、肉體和心靈上之疾病，因而能有前衛及積極的心靈是可造就癌症戰士變為勝利天使，怨尤和苦痛會讓體質變為緊張及酸性，所以必須學習愛與寬恕，同時學習放鬆及愛惜生命。

癌細胞是無法在充滿氧氣的環境中繁衍，所以每日必須運動，同時多作深呼吸以利氧進入細胞層，按氧氣療法是另一種擊潰癌細胞之工具。

不要將塑膠盒放入微波爐加熱

不要將塑膠水瓶放入冷藏室

不要將塑膠袋放入微波爐加熱