總結一個學期

大學是成長的溫床。
它常常讓一個人成長為我們所意想不到的。

不是“變成”，是“成長”...是人的本質所在...

****
所有順遂的事情在某個點上開始停頓下來。
如果我這樣做，如果我那樣做，那會怎樣。
要是我...要是我....
書本里教導，“要是我”是過去的了。

所以你對生活到底期望的是什麽。
有人說，就這樣平靜的生活。
有人的夢想很大很重。
你的是什麽，會不會因為生活環境的種種，讓你累了，你曾經抱著的夢想開始退化，變得越來越小。

你放得開所有事情。
放得開嗎？
如果結果不是如此，你放得開嗎？
但你到底期待什麽。
那些東西對你真的如此重要？

然後，你現在所選擇的這條路。
你覺得是你最舒服的，你開心。
兩個點來說，你舒適于你現在的，你不會成長。
但你活得如此辛苦，成長的意義，所要達到的目標到底嘰歪是什麽。

另一點來說，你活得舒服，你犯了正常理念。
你是開心的，但你違反所有潛在規則。
以這種角度來看，的確錯了。

好多事，越成長，越迷糊。

Bjarke Ingels unveils spiralling museum for Swiss watchmaker

Adding a spiralling museum that coils up from the landscape.  Bjarke Ingels' firm will give the complex a new visitor attraction.

The building will comprise a spiral-shaped pavilion that is partially sunken into the ground. As its upper section emerges from the lawn, it will reveal a series of glazed galleries and event spaces that extend to meet the company's historic first workshop.

The brief called for a succession of galleries, as well as a series of connected workshops. BIG's response was to propose a pair of intertwined spirals that allow the two activities to sit side by side.

"Unlike most machines and most buildings today that have a disconnect between the body and the mind, the hardware and the software, for the Maison des Fondateurs we have attempted to completely integrate the geometry and the performance, the form and the function, the space and the structure, the interior and the exterior in a symbiotic hole," he added.

The museum will feature a brass-coated steel roof, which will undulate up and down to create vaulted ceilings. The rest of the structure will be built using a mixture of modern and traditional materials, including concrete, stone and timber.

The 2,400m2/25,800 ft pavilion will be a striking landmark to precision seamlessly integrated into the local landscape.

The exhibition route connects the new spiral with the existing museum building

Surrounded by the historical workshops in Le Brassus in the heart of La Vallée de Joux, the new museum called Maison des Fondateurs, will be imbedded in the landscape - reuniting the buildings with the undulating fields of the valley.

A landscape carpet is draped over the site

BIG created an intertwined spiral shaped pavilion which is conceived as a storyline for the visitors – blending old and new - and guiding the visitor through a linear sequence of spaces and events, from the entrance through lounges, galleries and workshops, to the attic of the heritage building in the workshop where it all began.

The spiral is lifted and surpressed to allow for views and light

The intertwined spirals solve one of the dilemmas of the program. The narrative structure calls for a succession of galleries and workshops, while the logistics of operations requires the workshops to be interconnected. By coiling up the sequence of spaces in a double spiral, the three workshops find themselves in immediate adjacency – forming one continuous workspace – surrounded by galleries.

Two cuts in the landscape opens up a submerged guesthouse with views of the valley

The roof and ceiling of the pavilion is conceived as a single sheet of metal – a steel structure clad in brass, continuous in plan but undulating in section to create a series of openings allowing daylight and views to the exhibits.

Program

Towards the end of the visit the double spiral intersects the existing museum building providing access to the vaulted spaces in the lower floor and to the attic.

A lightweight steel structure rests on structural glazing

The dynamic forms of modern materials, concrete and brass, give way for a locally anchored tectonic of straight lines and warm surfaces of wood or stone. Heavy meets light. Soft meets hard. Warm meets cool.

The exhibition sequence is stretched into a linear continuous spatial experience. The sequence is bended into a continuous spiral

台湾嘉义产业创新研发中心 Chayi Industrial Innovation Center

The strategy of this project emphasizes the utilization of the natural resources in this sub-tropical climate. The adopted methods include solar energy, rainwater reuse, and an outdoor temperature cooling mechanism via the setting of the micro-climate.

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The open space system functions coherently to the building cluster. The system includes the rounded green belt for the outer ring of the site, entrance plaza, parking area, courtyard and a water-way which links three of them.

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Further, a semi-outdoor network of walking path is set to connect the public area inside the buildings and the open space. The courtyard is well tuned to be a comfortable space because the chilling wind in winter is blocked by the building mass to the northeast, and because the breeze in summer is let in from the southwest.

The water channel is layout not only as a landscape element but the boundary between the first phase construction and the second one. While the seasonal wind comes from the southwest in summer, the water evaporation will cool down the temperature of the prevailing wind blowing into the courtyard.

To the west of the blue belt is the building volume in the first phase programmed to include conference centre, a library and most importantly, the multi-functional common lobby on the ground floor. All the other buildings in the second phase will be accessed through that main lobby; therefore, the courtyard to the east of the blue belt is cut through by some paths connecting all these buildings.

These paths covered with green roof have the courtyard partitioned into three front yards for the public areas of the three building on the ground floor; nevertheless, the courtyard is still perceived as an integral and multi-layered on while stroll around the path. The green roof networks with the green wall of the south wing building facad.

Location: Chiayi City, Taiwan
Architects: Ying-Chao Kuo, Ching-Hwa Chang
Site area: 10,499m2
Floor area: 17,200m2

The 4 Steps to Financial Independence

April 23, 2014 by Michael Yardney Leave a Comment

 About Michael Yardney
Michael is a director of Metropole Property Strategists who create wealth for their clients through independent, unbiased property advice and advocacy. He has been voted Australia's leading property investment adviser and his opinions are regularly featured in the media. Visit Metropole.com.au

With our property markets booming in many parts of Australia and the media reminding us that some properties are increasing in value by over $1,000 a week a whole new generation of Australians are choosing to invest in property to develop a degree of financial freedom and get themselves out of the rat race. 
Some will make it; but many won’t.
So let’s look at what financial independence really means and then I’ll explain what I think it takes to get there.

The 5 Levels of Wealth

I’ve found that as we take our investment journey we work our way through the following 5 Levels of Wealth.
We all start at on the bottom rung and we all hope to make it to the top of the ladder. But as I said, few do, so let’s first discover where you sit:

Level 0 – Financial instability

Since most Australians live from pay cheque to pay cheque, they’re what I’d call Financially Unstable.
If they lose their job or have an emergency such as an illness or their car breaks down, they have no money reserves to cope.
How can they handle the unexpected burdens that life dishes out if they have no spare financial capacity?
Often their only way out is to borrow more and get further into debt, but this only creates more financial hardship.

Level 1 – Financial Stability

This is the next rung up the ladder and to achieve this most basic level of wealth:

1. You’ve accumulated sufficient liquid assets (savings or money in a line of credit) to cover your current living expenses for a minimum of 6 months.
2. You have private medical insurance and some life insurance to protect you and your family’s lifestyle should you become ill, disabled, unable to work or if worst comes to worst – suddenly die.
When you attain financial stability, you have the comfort of knowing that should any unexpected challenges come your way, your family’s lifestyle will not be unduly compromised. You’ll have adequate time to look for new sources of income to put you back on track.

Level 2 – Financial Security

As this level you’ve accumulated sufficient assets, such as a substantial property portfolio, to generate enough passive income to cover your most basic expenses. These would include;

• Your home mortgage and all home related expenses.
• All your tax payments and the interest payments on your loans and debts.
• Your car expenses.
• Your grocery bills and minimal living expenses.
• Insurance premiums including medical, life, disability and your house.

When you reach this level you can stop working and maintain a simple, basic lifestyle.
But you want more than this don’t you?

Level 3 – Financial Freedom

You’re financially free when you have accumulated sufficient assets to generate enough passive income to pay for the lifestyle you desire, not necessarily your current lifestyle, and all of your expenses, without ever having to work again.
You’re now a successful investor, which doesn’t mean you won’t go to work again, but you can make the choice whether you keep working or not, or how much you work or what you do with your life.

Level 4 – Financial Abundance

A small group of sophisticated investors achieve Financial Abundance. That’s when their portfolio works overtime.
They’re free of financial pressures and have so much surplus income that after paying for their lifestyle, all of their expenses and contributions to the community (often through charity work or donations), their asset base continues to grow.
They’ve achieved this by owning a well-balanced, diversified share portfolio or a sound substantial property portfolio that grows in value and “spits out cash.”

Climbing to the top of the investment ladder

So how do you climb the rungs to the top of the property investment ladder and achieve financial abundance?
Here are 4 steps you can take:

1. Decide you want to become wealthy.

Most Australians dream of financial independence and want to be wealthy, but they never really make a firm commitment.
The problem is, if you don’t truly commit, life seems to get in the way and you get sidetracked.
So choose the date you’re going to be financially free, then put it in writing, make a firm commitment to yourself and tell others so you have no excuses.

2. Invest in your financial education.

If you’re a beginning investor focus on increasing your financial education – you’ll need to become financially fluent.
To fast track your success keep reading books, going to seminars, watching DVD’s and learning from people who’ve already achieved what you want to achieve.
If you’re a more experienced investor, your priority should be to actively grow your asset base sufficiently to allow you to become financially free. To do this it’s likely you’re going to need to do different things than you did to get to the level you are.
You’ll not only need to learn new more sophisticated investment strategies, but it’s likely you’ll need to surround yourselves with a different level of advisors and consultants.

3. Don’t wait until you know it all to get started, because if you do, you’ll never take the first step.

One of the things I learned early in the piece is the paradox of knowledge: The more you learn, the more you realise you don’t know.
Many people say: “If only I knew it all, I’d be safe.” But it doesn’t work that way.
As you learn new information you’ll uncover a whole lot of things you didn’t even know that you didn’t know. There will always be more to learn.
So how do you know when you know enough to start investing?
It’s when you have the courage and conviction to take action, knowing that you’ll never know it all, but that you’ll learn more along the way – educating yourself as you move up the investment ladder.

4. Surround yourself with like-minded people.

Despite what you read about in magazines, there’s really no such thing as a “self made millionaire”.
What I’ve found is that the small group of investors who become financially independent have done so in part by surrounding themselves with a smart team of advisors and professionals as well as other like-minded individuals.
They get a mentor to see their blind spots and guide them and at the same time they associate with others who have similar aims and aspirations.
If found that when you stop associating with people who are negative and point out all the things that can go wrong, and instead surround yourself with people who are positive this will spur you forward and you’ll reach your financial goals much quicker.

The lovely thing about money and wealth is that it really doesn’t discriminate.

Money doesn’t care who you are or even who you think you are, what your parents did or where you come from.
Each day starts with a clean slate, so you have the same rights and opportunities as everyone else to become wealthy.
So start making your way up the investment ladder towards financial freedom today.

李嘉诚教你五年内买车买房

假设你的月收入只有2000元，你也可以过得很好。我帮你把钱分成五份。第一份600元，第二份400元，第三份300元，第四份200元，第五份500元。


第一份，用来做生活费。这么少的生活费，每天只能够分到十几元。早餐一份煮米丝，一个鸡蛋，一杯豆浆。中餐一份快餐，一个水果。晚餐自己开个小灶，煮点饭，加俩菜，睡前一杯奶。这样一月的伙食大概是500-600。不过，如果你还年轻，身体暂时还没有太多问题，这样的食谱，够你数年内不会有健康问题。


第二份，用来交朋友，扩大你的人际圈。这就宽裕了。你的电话费可以用掉100元。每个月可以请客两次，每次150元。请谁呢？记住，请比你有思想的人，比你更有钱的人，和你需要感激的人。
每个月，坚持请客，一年下来，你的朋友圈应该已经为你产生价值了，你的声望、影响力、附加价值正在提升，形象又好，又大方。


第三份，用来学习。每个月可以有50元—100元用来买书。钱不多，买的书就要认真阅读，学会学了就用的精神。每一本书，看完后，就把它变成自己的语言讲给别人听，与人分享可以提高你的信誉度，并且，提升亲和力。另外的200元存起来，每一个月参加一次培训。从不间断。等收入高一些了，或者有额外的积蓄，就参加更高级的培训。参加好的培训，既可以免费结交志同道合的朋友，又可以学习平时难以领悟的道理。


第四份，用于旅游，一年奖励自己旅游至少一次。生命的成长来自不断地历练。参加那种自由行的旅游，住进青年旅社，地球其实并不大，每年都出门，几年下来，就可以把红旗插到地图上，许多美好的回忆，成为生命的动力，更加有热情和能量，去投入工作。


第五份，用来投资。先存起来，也可以用来做进货的本钱，小本生意很安全，去批发点产品来卖，亏了反正也不多，赚呢，既赚了金钱，又赚了自信和胆量，还赚来做事情的阅历。赚的钱多了，就可以开始购买长期的投资计划，使自己提早获得一份长久的保障，保证自己和家人在将来，不论发生什么事情，都有一份充足的资金来照顾，生活品质不会下降。


好了，这样熬了一年，第二年如果你还在拿2000元的收入，那就是你的不是了，这么不长进，活着也够丢脸的，看看有什么品牌的豆腐比较硬，买一点来，用头去撞吧。


月收入在3000元以下的，一定要兼职赚钱，不要穷，还很有个性，挑三拣四的，这个不愿意做，那个没有兴趣。收入不高，一定要非常勤奋，尽量去找跟销售有关的工作，销售等。这就是很不错的兼职工作，既可以认识很多有价值的人，又可以锻炼自己的信息收集能力和营销技巧。


衣服啊，鞋子啊，这一年你是得尽量少买了。最好全部通过你的兼职赚的钱去买。当作奖励自己的一种方式。额外多赚钱的时候，记得买个礼物给你的爱人，谢谢他/她支持你的财务计划。很坦诚地告诉他/她，为何你那么勤俭，告诉他/她你的梦想和努力的方向。


到处都有需要帮助的生意人，兼职帮他们做点事情，去磨练自己的意志、口才、和工作能力吧，加上你的理财技巧，第二年，你的收入至少要增加到5000元。最低也应该是3000元，否则你收入的成长还赶不上通货膨胀呢。
无论你的收入是多少，记得分成五份。增加对身体的投资，让身体始终好用，增加对社交的投资，扩大你的人脉，增加对学习的投资，加强你的自信，增加对旅游的投资，扩大你的见闻，增加对未来的投资，增加你的收益。


保持这种平衡，逐渐你就会开始有大量的盈余。这是一个良性循环的人生计划。身体将越来越好，得到更多的营养和照顾。朋友会越来越多，存储许多有价值的人脉关系，同时，你也有条件参加那些非常高端的培训，使自己各方面的羽翼丰满，思维宽阔，格局广大，性格和谐。而你，也就能够逐渐实现自己的各种梦想，购买自己的需要的房子、车子，并且给未来的孩子准备一笔充足的教育基金。


人生是可以设计的，生涯是可以规划的，幸福是可以准备的。现在就可以开始。在你穷的时候，要少在家里，多在外面。在你富有的时候，要多在家里，少在外面。这就是生活的艺术。穷得时候，钱要花给别人，富的时候，钱要花给自己。很多人，都做颠倒了。


穷得时候，不要计较，对别人要好。富的时候，要学会让别人对自己好。自己对自己更好。穷要把自己贡献出去，尽量让别人利用。富，要把自己收藏好，小心别让别人随便利用。这些奇妙的生活方式，是很少人能够明白的。


穷的时候，