VW MALAYSIA SHOCKING BAD AFTER SALES CUSTOMER SERVICE – VOLKSWAGEN CAR OWNERS PISSED OFF EXPERIENCES ON VW FB!

Volkswagen Malaysia FB flooded with bad post and comments from VW car owners especially their bad VW Golf, Polo, Passat, Jetta and others with DSG gearbox and unreliable engine problem. We were very shocked when we found a lot of customer complaint inside their official wall.

Some of them call VW as the Very Worst car brand with so many problem and they regret owning a money sucker car from VW. Read more bad experience from some of VW owners below.

VW MALAYSIA SHOCKING BAD AFTER SALES CUSTOMER SERVICE – VOLKSWAGEN CARS OWNERS PISSED OFF EXPERIENCES ON VW FB!

VW = Very Worst brand, fyi it is problematic car, with that price shud consider others. Had changed my engine after 10 months and Very Worst after sales service…

hear that lot of complaint after sales service abt DSG all vw car….?o

Its a problematic car. My 2 years car had been in & out service centre for nearly 15 times.

Crazy pricing and lousy after sale service. Might as well get a Mercedes for that price.

Customer service is terrible seriously

service are poooooooooooooooooor.

Problematic car. Bad after sale service. When you buy a rm200K car, you don’t expect all this trauma and hassles.

---

Nicole Wong:
I always believe Volkswagen is a trustworthy brand and customers’ satisfaction is always the company’s highest priority. But I’m very sad to say I’m very disappointed with my experience this time with your company.

My car is among one of the recall units for replacement of mechatronics of DSG gearbox due to manufacturer’s defect. On 6 Aug 2013, as scheduled, I sent in my car to your Ipoh road service centre to perform the repair works.

Unfortunately, my car has yet to be fixed and returned to me up till today, which is at least 10 working days since the day I sent in my car. I’m very disappointed because I didn’t expect the repair work to take so long. As stated in your letter, the checks and all necessary repair works will only require 3 hours to be completed.
I truly understand that my case is a ‘special’ case as explained by your service supervisor. However it is still very unfair to me as it has caused me a lot of inconveniences. Appreciate the initiative to give me a courtesy car since 7 Aug 2013, the second day I sent in my car, but disappointingly, I have yet be given a courtesy car until today.

I look forward to your reply and a resolution to my problem.

---

Chan Char :
Its an agonizing 1 hour drive from KL to your service center at Jln 222 without AIRCON!!! Just bought the car for 2 months and its giving me quite a number of issues.

1. Aircon died on me.
2. Exzos is making some weird noises.
3. Vibrating while changing from gear 5 to 6.
4. And others.

And I thought German made cars are of higher quality.
Really disappointed.

wpid vw malaysia customer service2 Volkswagen Malaysia FB flooded with bad post and comments from VW car owners especially their bad VW Golf, Polo, Passat, Jetta and others with DSG gearbox and unreliable engine problem. We were very shocked when we found a lot of customer complaint inside their official wall. Some of them call VW as the Very Worst car brand with so many problem and they regret owning a money sucker car from VW. Read more bad experience from some of VW owners below. VW MALAYSIA SHOCKING BAD AFTER SALES CUSTOMER SERVICE – VOLKSWAGEN CARS OWNERS PISSED OFF EXPERIENCES ON VW FB! VW = Very Worst brand, fyi it is problematic car, with that price shud consider others. Had changed my engine after 10 months and Very Worst after sales service… hear that lot of complaint after sales service abt DSG all vw car….?o Its a problematic car. My 2 years car had been in & out service centre for nearly 15 times. Crazy pricing and lousy after sale service. Might as well get a Mercedes for that price. Customer service is terrible seriously service are poooooooooooooooooor. Problematic car. Bad after sale service. When you buy a rm200K car, you don’t expect all this trauma and hassles.

---

Nicole Wong:
I always believe Volkswagen is a trustworthy brand and customers’ satisfaction is always the company’s highest priority. But I’m very sad to say I’m very disappointed with my experience this time with your company.

 My car is among one of the recall units for replacement of mechatronics of DSG gearbox due to manufacturer’s defect. On 6 Aug 2013, as scheduled, I sent in my car to your Ipoh road service centre to perform the repair works.

 Unfortunately, my car has yet to be fixed and returned to me up till today, which is at least 10 working days since the day I sent in my car. I’m very disappointed because I didn’t expect the repair work to take so long. As stated in your letter, the checks and all necessary repair works will only require 3 hours to be completed. 

I truly understand that my case is a ‘special’ case as explained by your service supervisor. However it is still very unfair to me as it has caused me a lot of inconveniences. Appreciate the initiative to give me a courtesy car since 7 Aug 2013, the second day I sent in my car, but disappointingly, I have yet be given a courtesy car until today.

 I look forward to your reply and a resolution to my problem.

---

Chan Char :
Its an agonizing 1 hour drive from KL to your service center at Jln 222 without AIRCON!!! Just bought the car for 2 months and its giving me quite a number of issues.

1. Aircon died on me.
2. Exzos is making some weird noises.
3. Vibrating while changing from gear 5 to 6.
4. And others.

 And I thought German made cars are of higher quality. Really disappointed.

---

Vijay Ananth :
Yet another horrible experience with Volkswagen Malaysia. My car could not start this morning! Called up the so called premium 24hours auto assist. First call 20 mins to get through, after taking down my details they tell me they can only deploy the tow truck in about an hour, so scheduled for 3pm so I can get to work but I get an SMS stating tow truck will be over in 0 mins! So I waited for 10 mins for tow truck guy to call but no one did, I called back the “premium” auto assist and after 35 mins of answering machine putting me on hold, someone answers me and tell me no the tow truck will come only at 3pm, then why send a false text and keep me waiting for no reason? Since I am already super late for work I told them to just send the tow truck immediately! They said it will be here in 45mins to an hour. After 40mins of waiting tow truck guy calls and asks for address and tell me they just got the order and will be here in about an hours time! What an excellent quality and customer service! It is a disgrace if this company is ISO 9001 certified! My gear box problem is also not solved and I’ve been waiting for 3 months already. Apparently VW forgot to register my car with allianze insurance for their extended warranty program so they are just making me wait and the car condition deteriorate!! I’ve asked for my car to be rectified first while the paper works sorted out also they could not consider!! So many calls that I make are also not entertained or returned? Complain on Facebook wall, someone took my details down and tells me they are attending to it but apparently another paper work created with no answer!!! You guys are really terrible! I really am regretting buying Volkswagen, my Honda was way more reliable and I got much better care from Honda service center!!
My details if anyone is interested in helping, mail me at zytronyx@yahoo.com

---

Yeehang :
To person in charge of customer services, I am currently driving a Volkswagen CC Sport 2013 just bought it in the early 2013. Not even driving it for a year and I am returning to Volkswagen service center for 4 times due to the problem of AIR BAG INDICATOR. The last time was on 14 of Aug and today, 16 of Aug, the air bag indicator light up again for no reason. Several times i returning to Volkswagen Service Center located in Cheras Selatan and the technician told me they cant detect any faulty on the system and they just some how turn off the indicator light and it will light up again after few days or weeks. I felt very frustrated of wasting my precious time going back there to fix it again and again. It is very unprofessional for the technician of Volkswagen as they can’t even fix a small problem of my car for so many times and wasting all my time returning to a so called VOLKSWAGEN SERVICE CENTER. It is very disappointing on the quality of Volkswagen (GERMAN AUTOMOBILE) providing on a RM 250,000 car, and the skill of the technician. This nightmare experience really ruined the image of Volkswagen in my mind and I THINK VOLKSWAGEN MIGHT NOT BE MY FUTURE CHOICE ANYMORE if the problem still on going. I would be highly appreciate if Volkswagen Malaysia could take my case seriously and send me some truly certified and professional technician to fix my problems as I do not hope to visit the service center every month. Thank you very much and highly appreciate if you could fix my problem.

---

Nalliah :
 I am a owner of Volkswagen Passat. I bought the car in July 2012. I drove the car from Sitiawan to Nilai. Parked the car in Nilai, the next morning could not start the car. Battery knocked off. Called the service center in Seremban, just told me off, sorry can’t do anything because of the Raya Holidays. Ok…when can this problem be rectified when asked, only on Monday (12/08/2013) that is today. Our holidays planned were all gone by the wind. 

Borrowed my son-in-laws car to come back to my hometown, assuring my son-in-law that the car battery will be replaced on Monday, since his day off (12/08/2013). He can tow the car to the nearest service station to replace the battery and use the Volkswagen to go to work the next day.

Imagine, how pissed off one can be when you are told no battery to replace because no stock after towing the car to the nearest service station. They have to order for the battery and you can get it replaced only next Monday. 

No way ……..my son is now still waiting there in service station for the problem to be rectificed.

What is the use of all the flowery advertisements….when Volkwagen Malaysia can’t even get the battery replaced immediately.

 My long weekend, was a horrible one with my Volkswagen Passat just a 1 year old car.

---

Eric :
Seriously volkswagen, you SUCK!!!
U ruin my raya holiday with a bus noise engine today n cant get it fix cuz u n ur men is goin raya? I just serviced my car a month ago and it start giving me problems after a month, r u kidding me? 2012 raya u ruin it too with a battery failure.
Seriously u suck to the max!!! 

---

Hanushia :
It has finally come to a point in which I have totally lost respect and faith in this very prestigious brand. Recently I got into an accident, in which i was hit from the back by a careless Myvi driver. So i decided to bring my car to the same VW dealer I got my car from. I am going to place the bitter moments chronologically:

1) The paint job (prior to the accident) was bad, so they promised to fix this issue by granting me a courtesy car in return
2) Unfortunately the accident occurred
3) The marketing personnel was kind enough to extend the duration of loan of the courtesy car from 3 days to as long as it takes for the car to be repaired. I repeat “to as long as it takes for the car to be repaired”
4) I sent in my car on July 23rd, I was promised the car will be done latest by August 6th (yes that long)
5) Last Friday (2 August 2013) at 1130, I got a call from the same marketing personnel, telling me needs the courtesy car back latest by Saturday morning (3 August 2013). According to him a customer who happens to be acquaintances with the Principal of VW needs the car. I was shocked.
6) I was so upset and decided to return the on Friday itself. Got a cab to the train station and got the train back home (I live in Seremban)
7) I texted both the Claims personnel and the marketing personnel today on the updates of my car, somehow the claims personnel have not replied me. The marketing personnel said it’ll be done on Wednesday 5pm. like WTH! Whatever happened to “latest by Tuesday”??

I am a young lady traveling daily from Seremban to the Klang Valley and imagine how stressful and annoying it is when you do not have a car! I am thankful that these fellas loaned the courtesy car to me but why on earth take it back to abruptly? Whatever happened to “Customers come first”?? Its a shame VW has been treating their customers in a such a demeaning manner! Look at Toyota and their customer service skills. They basically pamper their customers to bits unlike the cocky VW dealers. Some staffs of VW can actually boldly meddle with their HPs in front of the clients, absolutely ignoring our stares. Just because they work there, doesn’t mean its their fathers’ company. I am so darn tired of these nonsensical idiosyncrasies. I seriously regret getting a VW car. If only I knew how terrible VW is at treating their customers. Sorry VW I will not suggest this brand to any of my family members, friends, colleagues or anyone who comes up to me asking they should get a car from VW. Its a big NO NO. You people failed me and many of the other unsatisfied customers out there. SHAME.

---

Masalah kereta volkswagen, kongsi  pengalaman anda..

Obama: Malaysia won't succeed if minorities are oppressed

US President Barack Obama says Malaysia will only be able to make the leap from being a middle income nation to a high income nation when there is equal opportunity for all.

穷养儿，富养女，原来是指这样养，可惜我们一直没弄懂

很多人都不知道穷养儿，富养女的真正含义。认为男孩要严格，少给钱花，女孩要给买好的东西多给钱花。有儿女的看看下面的文章。

教你如何穷养儿子，富养女儿

穷养儿子，是对男孩一生的投资;富养女儿，是一种文化修养的投资。两者之间的共同点就是培养宝宝自信、自立和智慧。从来富贵多淑女，自古纨绔少伟男。所以“男孩穷养，女孩富养”成为传统养儿育女的“金科玉律”。

“穷”养男孩的真正内涵： 

作为父母一定要清楚，现在儿子受“苦”，长大后才会成为一个“富有”的人，成为真正的男子汉！

对于每个男孩子来说，无论是成长还是成熟，都需要自立自强，需要承担更多的责任，需要面对更大的困难，需要不懈的自我奋斗，可以说，成功男人的成长和成熟是一个不断挑战自我艰苦奋斗的过程。也许，好多人认为“穷”养男孩，就是控制孩子的花销，不要给他太多的享受，以免惯坏他，这样的理解较为片面，和我们所说的“穷”养有一定的区别，我们认为“穷”养男孩更重要的意义在于通过对“穷困”和“艰苦”的切身感受，对孩子意志、品质、性格、心态的磨砺、锻炼和培养给孩子带来的价值。

如果没有这样一个过程，男孩极易养成挥霍的习惯，贪图享受，脆弱无能，不负责任，不知人间真情。就像有的城市小学生听说农村有孩子吃不饱饭，竟吃惊地问：“饿了为什么不吃巧克力？”这不禁让人想起历史上的痴呆皇帝晋惠帝，天下荒乱，百姓饥饿，他说的话就是：“何不食肉糜？”这样的男孩日后怎能面对生活的考验。他们迟早会被社会所淘汰。

古话说：“艰难困苦，玉汝于成。”男孩要成才，不回避“艰难困苦”，方能“玉汝于成”。让男孩过早地亲近“富”，远避“穷”，看似爱之，实则害之。所以，一定要让男孩在必要的“穷”和“苦”中得到锤炼，懂得以艰苦奋斗为荣，以骄奢淫逸为耻。

当然，我们这里所说的“穷”养男孩，并非是要男孩吃糠咽菜，忆苦思甜，让男孩承受不必要的非人折磨和痛苦，而是让父母减少对男孩的娇生惯养、包办代替，让男孩从小多一些经历、多一些锻炼，培养他们坚韧、顽强的性格。概括起来，“穷”养男孩我们主要可从以下几方面来理解和把握：


“穷”养内涵一：

让男孩过点“苦日子”。优裕的物质生活和给孩子大量的金钱，是葬送孩子的第一杀手。有人戏称，孩子拥有大量的钱财，除了购回享乐、好逸恶劳、攀比之心外，还买回了囚车和监牢。经济腾飞了，腰包鼓起来的家长们将钱用在培养子女上，这本无可厚非，可以给他们创造良好的学习条件、环境，但绝不能给他们太过奢侈的物质享受。要不然，就把钱存起来，等儿子长大，有了正常的金钱观后再给他也不迟。为了儿子的积极奋进，为了儿子养成勤俭节约的美德，为了儿子不饱暖思坏，还是让他过点“穷日子”为好。


“穷”养内涵二：

让男孩体验挫折感。温室里的花朵承受不了狂风暴雨的侵袭。含在嘴里怕化，捧在手里怕疼的爱子观，会促使男孩意志不坚强，心理承受力差，稍遇不顺心或挫折就走极端。挫折会激发男孩勇敢无畏的精神，积极面对遇到的困难。作为父母，就必须让儿子遭遇“挫折”，鼓励其克服并战胜它。


“穷”养内涵三：

让男孩学会独立生活。“衣来伸手，饭来张口”，“万事包办”，这是育人大忌。很多大学生不会做饭、不会洗衣、不会叠被，这简直不可思议。这样的男人能接受社会的各种挑战吗？能有创造力吗？所以，父母要尽快从儿童时起，就教会并让他们独立承担力所能及的事。生活自理、会做家务、做饭、独立办事是人之必然！


“穷”养内涵四：

让男孩适当受点委屈。男孩子必须要学会坚强。适当地受点委屈，就会对生活有更深刻的认识。儿子做错了事，家长给予适当的批评和惩罚是必要的，哪怕他受点委屈，也不乏是育人的一种策略。这样的孩子，领略过多种情感体验后，逆反心理少、心理承受力强、心理健康，易成大事。


“穷”养内涵五：

让男孩学会承担责任。责任是男人肩头的“徽章”。因敢于担当，不推卸责任，才让男人更显魅力。所以，父母对男孩要从小进行责任心的教育。让他们未来能担起家庭和社会的双重责任，成为一个顶天立地的男子汉。


“穷”养内涵六：

让男孩多点乐观和爱心。乐观的心态和善良的爱心，是一个成熟优秀的男人必备的品质。所以，父母要通过不同的方式方法引导孩子，擦去孩子心灵的污垢，消除孩子心中的自私，让孩子成长为一个乐观开朗、善良真诚的人。

每个父母都爱自己的儿子，但爱有“小爱”和“大爱”之分。那种一味地宠爱儿子的做法，就是“小爱”；而那种“穷”养儿子的做法，才是真正的“大爱”。大爱无疆，男孩只有在这种教育下，才能成长为健康快乐、优秀卓越的男人。

“富”养女孩的真正内涵

女孩富养，其主要真义是从小要培养她的气质，开阔她的视野，增加她的阅世能力，增强她的见识。“富养”的女孩，因见多识广、独立、有主见、有智慧，很清楚自己要的是什么，什么是真正值得追求的东西。等她到花一样的年龄时，就不易被各种浮世的繁华和虚荣所诱惑。女孩最应该培养的品质首先是善解人意，她有一个好的性格，能控制自己的情绪，对给予她帮助的人都心怀感激，是一名优雅的淑女。


“富”养内涵一：
鼓励——鼓励着养，而不是谦虚着养。

曾有一位女孩的妈妈来信问我：教育女孩的方法太多了、太繁杂了，有没有什么“最完美”“最简单”“最容易掌握”的方法，可以让我这个“懒妈妈”也能顺利引导女儿成长为一名优秀女性？

我的答复是这样的：非“鼓励”莫属。

我的一位学生，一位13岁的女孩，就曾在日记里这样写道：

每当我碰到困难，犹豫不决的时候，爸爸总是会坚定地站在我的身边告诉我：“孩子，在爸爸心目中你是最棒的，爸爸相信你能做到！”多亏我的爸爸，我才能养成独立、坚强的品格……
与男孩相比，女孩生活在一个关系的世界里，她们需要别人的肯定和认可，需要别人在后面推她一把。对她们来说，别人的肯定和认可、别人的助力，就是自己自信、独立、坚强、追求卓越的动力之源。

在女孩的成长过程中，多说一句鼓励的话、多做出一个鼓励的行为，往往就会创造出教育的奇迹。

当然，“鼓励着养”，而非“谦虚着养”也就要求我们——

常说常做：

“女儿，爸爸妈妈很爱你。”
“爸爸妈妈相信你。”
“在爸爸妈妈心目中，你是最棒的。”
女儿伤心的时候，把她拥在怀里；女儿胆怯的时候，拍拍她的肩膀；女儿忧郁的时候，时常给她一个明媚的微笑；没事的时候，常和女儿静静地说点悄悄话……不说不做：
“你怎么总是做错事。”
“和××比，你真是差远了。”
“这样的表现，真不指望你有什么出息了。”


“富”养内涵二：
疼爱——疼爱着养，而不是溺爱着养。

女孩健康成长的第二个“富养内涵”，就是爱，就是源自父母的疼爱。但是，家长朋友?，我想问问你们：疼爱的方式，你选对了吗？让我们先用这样一个小故事来测试自己的“爱之度”。

溺爱的故事：
女儿和邻居家的小朋友闹矛盾，一位妈妈这样对女儿说：“可恨的××，都怪他，惹得我宝贝受伤，再也不和他玩了。”

疼爱的故事：
女儿和邻居家的小朋友闹矛盾，一位妈妈则这样对女儿说：“我们原谅××吧，前几天他还同你分享他的玩具了呢！”
什么才是真正的“疼爱”？什么又是过了头的“疼爱”——溺爱？同样的一件事情发生在自己身上，自己又是如何处理的？我想此时每位家长心中，都己经有了自己的答案——如果不想培养出娇气、蛮横无理，甚至颐指气使的“小公主”，就应杜绝“溺爱”。
那么，“疼爱”究竟是怎样一种爱呢？
在我看来，疼爱就是用光明、温暖、坚信、乐观……这些幸福的字眼，去占据女孩最初、最柔弱而单纯的心灵，把它们变成女孩一生的信念，让她的世界充满爱与幸福。


“富”养内涵三：
负责——负责任地养,而不是顺其自然地养。

我的一位相交10几年的女性朋友，每每和我谈起自己的母亲，总是一肚子的委屈：
从小到大，我妈什么都不管。我姐姐嫁人，她就一句话：“这婚事我不同意，以后后悔了别来找我，也别怨我。”我考大学那年，她也是一句话：“你喜欢什么就报考什么，不用问我。”结果现在，姐姐婚姻生活很不幸福，她最恨的就是妈妈；我一想到她说的那些话，也是想爱爱不起来。

每次想起我这位朋友的话，我就会深深思索这样一个问题:本应是与妈妈更为贴心、更为亲密的女儿，何以对母亲毫无感情？想来想去，我不得不承认这样一个事实：真的是父母做错了。

父母错就错在，对女孩的养育太过“顺其自然”，而缺少一种“负责任”的态度。

这种负责任的态度是什么？就是——你要为女儿的成长“帮点忙”。——

女孩性格内向，甚至有些自卑。（父母“帮点忙”：带你的女儿多多去交际，鼓励她，赞美她，赋予她自信。）

女孩爱好很少，没什么特长。（父母“帮点忙”：带你的女儿去逛逛乐器行以及舞蹈学校，引导并培养她的爱好。）

女孩遇到重大的抉择，左右为难。（父母“帮点忙”：把利与弊分析给女儿听，旁敲侧击、潜移默化地去影响她。）

消极的父母，顺其自然；积极的父母，创造“自然”。

生活中，这种为女孩“创造自然”的帮忙机会，实在是太多了。

总而言之，负责不是说你对孩子的饮食起居照顾得多么好，就叫负责了。负责，是你对孩子能力的培养负责；对孩子身心健康的成长负责；对孩子的人生蓝图负责；对孩子的未来负责……

负责与否，决定了女孩会成长为一个一无是处、事事依赖别人的人，还是坚强独立、独当一面的人。

我以为，这才是富养女孩的真谛！

后语：总结以上几个观点听上去似乎都是在情在理，但我们总结为一句话就是：无论穷养，还是富养，其内涵都在于教育。家长无论是对男孩还是女孩，都培养孩子自信、自立和智慧的过程。

15岁女生震撼演讲惊动了奥巴马：如何把美国的钱赚到中国来！

一个15岁的女生，竟然有如此美好的思想和智慧，如此远大的抱负，实在太让人震惊了！究竟是哪个学校哪个老师培养出了这样的人才？让我们仿佛在现代教育的浓雾中看到了初升的太阳！……

各位叔叔阿姨，大家好！我是今日学堂明德女塾一班的学生刘静慧，今年15岁。今天，我演讲的主题是“如何将美国人的钱，赚到中国来”。

我心中一直有一个理想，就是能够帮助振兴中华民族。因此，在我小时候，曾经想过要当上中国的总统。当不上总统，就去做总统夫人；当不上总统夫人，就去做总统他妈；连总统妈都做不成了，我起码还可以去选一位我认为好的总统！

这就是我们女人的优势，可以做一位总统，嫁一位总统，生一位总统。

可是，当我慢慢长大以后，发现在中国，想去当总统太不现实了；连去选一位总统都没机会。于是，我的总统梦就破碎了……

既然当不上中国的总统，那用什么方法来帮助中国人呢？我研究发现中国人特别喜欢赚钱，如果能够帮助中国人更轻松地赚钱，说不定比我当总统，对中华民族的贡献还更大呢。

因为我们学堂说：一个人的价值，就看她一生中为世界贡献了什么有意义的东西；而不是看她死前夺取了什么东西。如果我能够帮助中国成为全世界最富裕的国家，至少为中华民族做出了最大的贡献，也算是实现了我的人生价值。

俗话说：“ 功就要向成功者学习”。我发现：世界上赚钱最轻松，赚钱最多的国家就是美国。因此我一定要去研究清楚美国人是怎么赚钱的。如果我们中国想要超过美国，而不是成为美国的小跟班……唯一的办法就是把美国人的钱赚到中国来！

接 下来，在研究美国人赚钱的方法中：很惊讶的看到了这样的例子：美国耐克公司在中国有124家工厂，有70%的耐克鞋都是中国制造的；是全球最多的。而我们 中国只能从自己所制作的每一双耐克鞋中赚到1美元的利润。美国人却可以什么实际的活都没干，通过一个很虚的“品牌概念”。将其卖到80—120美金。但我 们中国却“很实在地”费尽苦力，消耗大量的能源和工人的汗水，才能够换来一美金。这太不公平了！

这样的例子还有很多很多。

例如乔布斯用一个小小的苹果，每年就在中国赚走了5.5亿。更气人的是：苹果电脑等很多都是中国代工制造的。美国人只是动了一下脑子，剩下的事情都是中国人完成的。

巴菲特在没有创造任何实物的情况下，仅仅只凭自己的大脑，就赚走上千亿的资产，他最近又只通过中国石油的股份，赚走了中国人277亿港元。可见，美国人都是训练他们聪明的大脑，让其变得值钱，以便搜刮世界的财富。

知 己知彼，才能百战不殆。既然美国人是这样赚钱的，中国又是如何赚钱的呢？要知道，我国目前的GDP总值，在全世界已经排名第二了。可我们的人均GDP却仅 仅只是全世界的第87名，排名甚低。那么，我国的两个GDP指数，为什么会有这么大的差异呢？中国的赚钱方法是什么呢？

大家都知道，我国地大物博，资源丰厚，山清水秀。有引人入胜的自然风景，有驰名中外的名胜古迹。是四大文明古国之一。世界上目前已发现的160多种矿产,我国几乎样样都有,而且不少矿种的储蓄居世界首位。（放一些很好看的图片）

可是，我们美妙的祖国却变成了这个样子：

1、水土流失严重

中国是世界上水土流失最严重的国家之一。每年流失量达50亿吨以上，等于全国化肥施用量。


2、森林资源危机

中国的森林覆盖率仅占世界排行榜的第121名。我国目前的森林覆盖率仅为16.5%，而加拿大有44%、美国是33%，连小小的日本都有67%。可见，我国森林覆盖率是异常的低下。


3、水资源短缺

我国的人均占水量为2500立方米，世界排名第110位，被联合国列为13个贫水国家之一。

根据专家分析和警告：“20年后中国将找不到可饮用的水资源！”

这一切的一切，这些恐怖的现状，都是怎样导致的呢？我们国家为什么会变得如此狼狈，如此贫瘠了呢？

那是由于，我们低价贩卖大量劳动力和我国的各种资源！

那些在工厂里努力工作的同胞，每月加班时间多达140小时，工资常常拖欠一个月支付，并且不经培训或采取安全措施就使用危险工具和机器，月薪仅仅只有一两千元！

同胞们的这些努力，让光鲜的iPhone手机背后，都印有Designed by Apple in California Assembled in China“加州苹果设计、中国组装”。

可苹果留给我们的利润却少的可怜。以iPhone利润分配为例，苹果公司占有58.5%的利润，甚至我们的邻居韩国因为跟美国关系友好，也占据了4.7%的利润；而中国劳工内地只占了1.8%。

同胞们所做的这一切，都仅仅只是为了这1.8%的利润，只有1.8%呀，在坐的各位。我们为了这点儿钱，把自己的国家弄成了现在这幅样子。

我们用这样的方式赚钱，用牺牲自己的环境和人力资源来维持GDP，只会使我们的国家未来走向衰退；是不可持续的经济发展模式。如果有一天，我们的资源开发用尽了；那也就是中国经济崩溃的一天。而这一天，已经不远了。

所以，我们必须做出改变。我一定要想出帮助中国人赚钱的新方法来！

于是，我想，中国古人从几千年前，直到两百年前，一直都是世界经济第一。如果我们能将曾经的冲劲儿拿到现在，一定能赶英超美，再次成为世界第一。

可是，到底什么东西是中国擅长的，而西方缺乏的呢？这种东西，与现在的赚钱模式完全不同，不需浪费大量资源，这到底是什么呢？我一直在寻找和思索这一问题。

就在这时，传来了一个令人震惊的消息：我曾经的偶像——苹果创始人乔布斯居然死了。他这么聪明，赚走了中国人这么多钱，却这么早就死了。这是一个多么令人悲哀的事实。但是，他的死却给我带来了光明和希望，让我发现了美国人的弱点！

我开始研究他的死因，发现竟然只是小小的胰腺癌。这种问题用我们的正统中医，就可以轻易解决。我想，如果乔布斯知道中国医学能够救他的命，会不会愿意把他从中国赚的钱，全都还给中国人呢？

再假设乔布斯的妻子得了乳腺癌这种绝症，我去帮她治好了。乔布斯可能感激之下，就把他从日本人哪里赚的钱也送给中国人了。

假如乔布斯的老妈得了这种西医认为“无法逆转”糖尿病，我去帮她治好了。乔布斯很可能就会把苹果从英国赚来的钱也送给中国人了。

假如乔布斯家庭的人口众多，而且总有人喜欢生病，那我就可以去做乔布斯的家庭医生。只要乔布斯愿意帮中国人民打工，从全世界赚钱，给我们中国人用就行了。

如果我把乔布斯家的人都治好了，就再去看看比尔盖茨家；瞧瞧他们家有什么人生病……只要西医治不好的绝症，我们无私的中华民族都表示很愿意帮忙……只要比尔盖茨愿意帮中国人打工就可以了。

一想到这个主意，我就很开心：总算找到美国人的致命弱点了——医疗！这些世界顶级的富豪都治不好自己的病，证明他们愿意花大钱，也得不到有效的医疗帮助。这不就是证明了：美国的医疗体系其实很差劲，根本不会治病吗？不可能他们专门去治疗穷人吧！

请大家不要误会我在继续做梦：就像是我想当中国总统一样；这一次不一样，我已经长大了。我是认真做过市场调查和市场分析的：


第一、美国医疗市场经济规模的调查数据

想要进入美国医疗市场，就要先搞清楚这里面到底有多少钱：我的调查发现：美国人把大多数的钱，都放到医疗上了；比美国的军费开支还高出几倍。因此这个市场非常大，有很多很多的钱，非常值得向往。

据 美国政府部门公布的一个数据表明：2011年度，美国人的平均健康保险基金达到了每人15073美金。算上三亿多的美国人口基数，一年美国花在健康保险上 的钱，就达30万亿元人民币之多，这是一个极为惊人的数字。比尔盖茨一辈子不就赚了几百亿美金吗？美国医疗市场一年就要用掉几万亿美金，这能创造出多少个 世界首富？如果中国人去美国搞医疗，估计中国就能够出现几百个比现在的首富比尔盖茨更有钱的“超级世界首富”了。

而 且，在研究了美国人易得的疾病后，我发现：有些病极其简单，很容易治好。但是他们花了很多钱还治不好。比如：美国人由于生活方式不良，很容易导致脊椎错 位，引起腰背疼痛：美国2005年脊椎治疗的开销达到近860亿美元（也就是5000亿人民币，而这比美国人20年来从中国赚到的留学费用总和还多）。如 果我们仅仅帮助美国人把腰直起来，我就比巴菲特还有钱了。

不 过，我最感兴趣的病是“癌症”，因为美国人的腰直不起来，不会危急生命，所以也不会太着急。赚的钱也就不够多。如果能够帮美国人治癌症，我们想要多少钱， 美国人都一定会给的。花钱买命，一定是最大方的。我一研究发现：太好了，市场非常广大。美国人得癌症的人很多，他们每20人里就有一名癌症患者。每四个人 中就有一个死于癌症，全国至少有1500万人患有癌症。这里面有多少钱可以赚到手？

除了这些病，美国人还有72%的的肥胖症，以及高血压，高血脂，心脏病，胃病等等——完全就是一座“阿拉丁的宝库”呀，美国医疗市场太值得投入了。可以创造多少个比尔盖茨那样的世界首富呀？


第二、竞争对手和准入门槛调查

这样一个超级赚钱的大市场，按道理一定是高手云集，竞争激烈的；要想进入门槛，应该很难才对。并且，我也听说美国最聪明的人都要学医，毕业后的起薪也是最高的。

所以，这个市场的钱，一定要超人才可以赚过来。

不过，经过我的研究，很快就发现了一个很奇怪的事实：我们的竞争对手很弱，几乎完全没有战斗力。美国人似乎根本就不懂这些慢性病的治疗；我们中国人完全可以轻易地占领这个市场，根本不用费劲：

一些资料表明：假如美国没有医生，可能病人还更健康一些。这就给我们中国人提供了最好的进入机会——美国医生不但不会跟我们竞争，反而在不断帮助我们制造病人。让我们的钱怎么赚都赚不完！

1、1976年美国洛杉矶，医生因对医疗事故保险涨价不满而罢工，全市病人死亡率下降了18%。

2、1973年以色列全国医生罢工，为期长达一个月，根据耶路撒冷埋葬协会的统计该月的全国死亡人数下降了50%。

这种干了事儿反而不如不干事儿的“幼稚”医学，根本就不是我们正宗中医的对手呀？

进 一步的研究，我发现美国对于治病根本是外行：他们根本不关心病因，只关心“消除病的症状”。他们把人当做一台机器一样看待，完全不理解人体是一个精妙的生 命；是典型的儿童思维。这种思维模式，会让他们很认真地干出很荒唐的事情。假如要西医来治疗脊椎问题中的驼背，他们会怎么干呢？

估计他们会用两块甲板，把病人的腰给固定住，再让几个人在上面踩踩，把脊背踩直了，就不驼背了——达到“治疗目的”。至于腰直了，但是病人死了，西医才不管呢！这就是我们经常听到的句西医内部流传的名言：手术很成功，但是病人死了。

中医治脊椎等毛病，就是正骨法，几千年前就有了，我目前正在学这门神奇的技术。这只会让病人身体越来越好，怎么会治死呢？

上 面讲的西医治驼背的故事当然是个笑话；不过事实上他们还真是这样做的；他们设计了很“精密”的机器，负责从两头慢慢的“拉”长病人。有时候机器没有控制 好，就把病人拉残废了；每年都会制造很多类似的“医疗事故”。但是他们很狡猾，说是病人的身体“不适应治疗”。由于病人事先都要签字同意才上机器，因此告 都没法告他们。

西医治疗癌症的思维方式，就和上面治疗驼背的原理是一样的。只管研究怎样杀死癌细胞，至于病人会不会也死掉？他们才不管呢。

首先，西医动用“冷兵器”。会把我们身体用手术刀划开来取走癌症细胞，破坏身体的组织、经络和气血的结构，造成对身体最大的破坏。

接着，如果作战不成功，他们会启用更高级的化学武器。往我们的身体里投射毒气弹，想要杀死癌细胞；同时也把人杀死。

最后，如果我们的身体很顽强，居然还没死的话，他们还会有最厉害的绝招，就是使用世界目前最高科技的武器—原子弹——放疗，来对付我们奄奄一息的身体，并将我们带入坟墓。

在整个“治疗癌症”的过程中，他们根本就没有去认真研究：到底人体的癌细胞是怎样产生的？消除癌细胞需要怎样的条件？

真正的中医，最重要的思路，就是去找到癌症产生的原因，并将其消除。这样癌症就自动治好了；原理其实很简单

通过这种医疗思维的比较后，我发现：我们的市场竞争对手——西医很差劲。不仅不是我们的敌人，还是我们的朋友。他们越努力，帮我们制造的病人越多，我们就越赚钱。

既然美国提供了我们这么好的机会，我们为什么不去美国一展身手，把美国人的钱赚到中国来呢？


第三、我有做中医的独特优势吗？

我研究到这里，感到很奇怪：这么明显的赚钱方法，为什么其他中国人就不去做呢？干嘛只会辛辛苦苦地打工呢？为了自己赚一美元，反而帮美国人赚80美元？

后来才知道：原来我们国家现在并没有真正的中医。他们都是用西医编写的“中医教材”，用西医的方法和思想来学习如何治疗疾病的。因此，我们国家的中医，不仅 不懂中医，连西医都赶不上，学了个不中不西的半吊子。这笔钱，他们就算是想要都拿不到，因此，我们国家的中医，基本上就是帮西医打工。

因此，我想：我一定要好好学习，做一个真正的中医。然后建立一个真正的医疗体系，专门治美国人不会治的病，把美国人的钱，赚到中国来!

要做一个真正的中医，就必须“道 武 医”三者都结合；就像是孙思邈一样的人。我会努力练武，成为世界首富。不仅如此，我还要学习老子的“道德经”等道家经典著作，掌握真正的“道”。成为一个真正的医生。

另 外，我们东方正统的中医，认为人体是由“身 心 灵”三个部分组成的。生病也是因为这三个部分出了问题。因此要治疗，也必须从“身，心，灵”三个地方同时下手治疗。因此我还要好好学习身心灵的有关知识。 不要像一个西医一样，仅仅把人看成一个甚至连有生命的物质都不是，把人看成一台机器，动不动就撤下来修理或者是换零件。我会尽可能利用和帮助提高生命的自 然修复力来治疗病人。

比如。下面的一个例子，就说明真正的中医治病的方法，完全是西医无法想象的：

清 朝时期有一位名医，名为：叶天士。据历史记载，清代藩宪（fan一声，xian二声）听说自己可以升官，于是感到非常的高兴，就目盲了，目盲之后，急忙派 人去请名医叶天士来治病。叶天士了解他发病详情之后便说：“我是一方名医，你怎能就这样请我？必须备全副礼仪来，方可前往。”仆人回去禀告了藩宪，藩宪大 怒，旁边的人都劝他不要计较，先答应名医的要求，如果治不好目盲，在来重罚不迟。于是派人全副礼仪的相迎，但谁也没想到，叶天士并不买单，又说，“去回禀 大人，必须由藩夫人亲自来请我！”藩宪听了之后，怒不可遏（e四声），咆哮如雷。在这期间，藩大人还怒气未消，却双目忽然复明；大家都觉得很奇怪，难以理 解。而叶天士已经匆匆的赶到藩宪府上请罪了，对藩大人说：“我并不是无礼得罪大人，而是为了治好大人的病。”藩大人于是从怒转喜，重礼相酬。 　　

这 故事听起来很神，其实叶天士只是运用《黄帝内经》中的理论；心藏神，过度兴奋和喜乐伤神，暴喜将心神荡散，导致暴盲；怒为阳胜，喜为阴胜，阴胜制阳，阳胜 制阴，就让藩大人暴怒，以阳制阴，阴阳平衡，目盲就消散啦。可见，叶天士就是很懂医理，也懂得人心和情绪对身体的影响，才会这样治疗的。

最 终的结论就是：我想做真正的中医，是非常有优势的：因为现在的其他孩子，都要进体制学校读书。这种教育限制了他们的学习和思维空间，导致他们只会用西医的 思维来看待疾病。因此无论将来她们长大后去做西医还是做中医，都不可能是我的对手。因为我从小就在很重视传统文化的学堂学习，没有受到太多的应试教育的毒 害。很早就开始学习连中国研究生都不学习的【黄帝内经】，【道德经】等古代经典著作。而且我们学堂的老师和学生，一直坚持“道武医”三结合的学习方式；我 们学堂的刘老师，还是“身心灵”三者同步研究，国内具有很高水平的老师。因此我想成为一名真正的东方医学传人，是最有条件的。


四、我的详细具体商业模式

既然美国医疗的钱这么好赚，那我们要如何具体实施呢？

等我和我的同学从“今日国医学院”毕业以后，我们计划去美国发展，到处开满专门治疗癌症的中医馆。

首先，我们要把治疗癌症的方法申请专利；避免美国人偷我们中国人的技术。

第二：我们要锁定服务对象为“高端消费者”，就是有钱的病人，让他们多出一些钱来治病。同时我们也要关注低端的消费者，可以开展一些慈善性的医疗活动免费帮助他们。简单一点说：就是要让美国的富人掏钱，用美国的穷人做形象。

第 三：为了让病人放心，怕我们骗钱。我们就申明：治好一个癌症病人10-30万美金（根据不同的癌症和早晚期状态，分别定价。但是承诺：如果治不好，全额退 费。由于美国的医院是治好了收钱，治不好了，照样收钱，还收命；让病人人财两空。因此，假如我们“只要钱，不要命，专门救命”，我们的医院一定很快就获得 病人的拥护。

第四：我们第一家医院赚到的钱，全部用来做广告，广泛宣传我们东方医疗的优点和疗效。这样我们很快就获得全美国的名气。

然后我们就开始借用医院的名气，搞“癌症专科治疗加盟连锁集团”，只有中国人才允许加盟；把这种受美国人欢迎的医院，开到全美国去。同时，还可以开办治疗其他疾病的中华专科医院连锁集团，在美国到处开花。这样，美国人的钱，就会源源不断的到中国来了。

假设我们仅仅只对1500万的每位美国癌症患者收取10万美元的治疗费。那么，我们就可以赚1.5万亿的美金。就算我们只治疗了其中10%的病人，我们就可以赚到1500亿美元。比世界首富巴菲特有钱多了。

有了这些凭中国人的脑子赚到的，非常干净的救命钱，可以想象我们中国的人均GDP绝对会成为世界第一，而且不污染环境。被赚钱的美国人还非常感激我们；因为我们救了他们的命。

当然，假如美国人交不起医疗费的话，非要用航母舰队来抵押给我们，我们无私的中国人肯定还是愿意收下来的，我们可以把这些武器放到北极去冷冻起来，让世界变得更加和平，更加快乐。没有战争，没有疾病，没有死亡的威胁！

如果这样，中国的中医，就改变了中国的命运，也将改变世界的命运！

这就是我的理想——用中医拯救中国，也拯救世界！谢谢大家！

How To Ace a Job Interview: 7 Research-Backed Tips

1) Be Similar to The Interviewer

“Be yourself” can actually be a problem.

If you want to know how to ace a job interview it’s important to note that study after study shows the key to being liked and being more influential is similarity.

Research shows you can take advantage of this by researching the interviewer and coming across as similar to them:

After carefully transcribing and analyzing her interviews and field notes from observations in the firm, Rivera determined that, by the time a candidate had made it through the relevant resume screenings and landed an interview, her evaluation was not necessarily based on “maximizing skill—finding the person who was absolutely best at the soft or the hard dimensions of the job,” as Rivera puts it. Rather, the most common mechanism by which a candidate was evaluated was her similarity to her interviewer.

No lies are necessary. Think attitude.

Do they come across as aggressive and hard-charging or calm and passive? Do they come across as cultured or school of hard knocks?

2) Timing Matters

You might not have much control over this but make an effort to manipulate the timing to your advantage.

Research shows interviews go better when:

• They’re earlier in the day.

• The weather is good.

• And when you’re not interviewed on the same day as your strongest competition.

3) Frame the Conversation

First impressions matter even more than you think. And once they’re set, they are very hard to resist. Mastering first impressions is a key part of learning how to ace a job interview.

Research shows they’re the most important part of any job interview:

By careful analysis, the researchers found that all of these factors influenced the final interview ratings, and that this was due to the way they shaped first impressions: after those first few minutes, there was little extra influence of these qualities across the rest of the interview.

Optimize first impressions from the outset by framing the conversation with a few well-rehearsed sentences regarding how you want to be perceived. This will end up being the structure the other person forms their memories around.

Via Choke: What the Secrets of the Brain Reveal About Getting It Right When You Have To:

If you start out with a few well-rehearsed sentences about why you are the right person for the job, this first impression can help set the tone for your interview and for what is taken away from the meeting.

Persuasion expert Robert Cialdini, author of the classic book, Influence, slyly recommends asking them why they thought you might be good for the role.

After people make positive public statements about you they will subconsciously feel the need to not contradict them.

4) Feel Powerful

People who felt powerful before going in to an interview performed better:

Priming participants with feelings of power improves professional interview outcomes… In both studies, unaware judges significantly preferred the power-primed applicants.

As I’ve posted before, “fake it ’til you make it” works.

How can you make sure you feel powerful? Harvard researcher Amy Cuddy recommends doing a “power pose” in private before the interview:

Preparatory power posing is taking a few minutes before walking into a stressful interaction or situation to open up, occupy more space, and make yourself big. Stand with your feet apart and your hands on your hips, or with your arms reaching up in a ‘V.’ Or sit with your legs in front of you, feet propped up on desk or a table, leaning back, with your hands on the back of your head, fingers interlaced, and elbows pointing out.

Try power poses in the elevator, a bathroom stall, the stairwell…wherever you can find two minutes of privacy.

Does striking poses in the bathroom sound silly to you? Don’t laugh — it works:

As predicted, high power posers performed better and were more likely to be chosen for hire, and this relationship was mediated only by presentation quality, not speech quality. Power pose condition had no effect on body posture during the social evaluation, thus highlighting the relationship between preparatory nonverbal behavior and subsequent performance.

What type of people naturally know how to ace a job interview? Narcissists.

Now you don’t want to be overbearing but better to toot your own horn than to have it go untooted:

Narcissists scored much higher in simulated job interviews than non-narcissists, researchers found. They pointed to narcissists’ innate tendency to promote themselves, in part by engaging and speaking at length, which implied confidence and expertise even when they were held to account by expert interviewers.

5) Have a Strong Handshake

Your handshake matters a lot more than you might think.

Via The Charisma Myth: How Anyone Can Master the Art and Science of Personal Magnetism:

…experts at the University of Iowa analyzing interactions in job interviews declared handshakes “more important than agreeableness, conscientiousness, or emotional stability.”

And it’s correlated with getting an offer:

Five trained raters independently evaluated the quality of the handshake for each participant. Quality of handshake was related to interviewer hiring recommendations.

6) Know the Right Questions To Ask

Many people struggle with that moment in most interviews where they ask “Do you have any questions for us?”

This is not only a good time to get information but it’s a great time to impress them with an insightful question.

Quora and Inc offer a few winners:

• Thinking back to people who have been in this position previously, what differentiated the ones who were good from the ones who were really great?

• How would you describe the culture of the company?

• What do you expect me to accomplish in the first 60 to 90 days?

7) Know How To Negotiate Salary

I’ve posted a lot of research about effective negotiating including my interviews with Robert Cialdini and FBI hostage negotiators.

But what’s the thing Harvard’s MBA school says is most important for landing a big offer?

“They need to like you.”

About 3:30 into the video below:

Here’s the equation for getting what you want. Cutting to the chase: You want to get more. You want more money, a better offer, a better deal; here are the components of what you need to do. First, they need to like you. That’s the first component. The things you do that make them like you less make it less likely that you are going to get what you want…

https://www.youtube.com/watch?v=km2Hd_xgo9Q

Nokia bids farewell, renames to Microsoft Mobile

Finish mobile brand Nokia Oyj will be dropping its iconic name this month in light of Microsoft’s acquisition of the company set to conclude in coming weeks.

A leaked letter acquired by Nokiapoweruser which was sent to Nokia’s suppliers said that the mobile brand will now have a new name: Microsoft Mobile Oy.

The deal doesn’t really mean the end of Nokia but it marks its consolidation with Microsoft as the companies, both former leaders of their respected industries, join forces to reclaim their titles from the likes of Samsung and Apple.

Microsoft spent 5.44 billion euros for the acquisition, which includes Nokia’s Devices & Services, mobile phones unit and licenses to Nokia’s patents. In addition, Microsoft will acquire the Lumia and Asha brand for use in future products.

Nokia will continue to own and manage the Nokia brand, retaining its patent portfolio and will grant Microsoft a 10-year license to its patents. In turn, Microsoft will grant Nokia rights to use Microsoft patents in its HERE services.

Around 32,000 people are expected to transfer to Microsoft, including 4,700 people in Finland and 18,300 employees directly involved in manufacturing, assembly and packaging of products worldwide

A copy of Nokia’s letter can be read below:

Dear Supplier,

On September 3, 2013, Nokia Corporation announced its intention to sell substantially all of its Devices and Services Business to Microsoft Corporation. We anticipate the transaction to close during April 2014.

Under the terms of the sale, Microsoft will assume all rights, benefits and obligations of the Nokia Devices and Services business, including Nokia’s agreements with suppliers, customers and partners which pertain to the Devices and Services business. Therefore, the purpose of this letter is to update you that the current terms and conditions that you have with the Devices and Services business will not change.

Please note that upon the close of the transaction between Microsoft and Nokia, the name of Nokia Corporation/Nokia Oyj will change to Microsoft Mobile Oy. Microsoft Mobile Oy is the legal entity name that should be used for VAT IDs and for the issuance of invoices.

NEW BUSINESS INVOICE DETAILS:

New name and registered address replacing Nokia Oyj/Nokia Corporation is:

Microsoft Mobile Oy

Keilaranta 7

02150 ESPOO

Finland

New Bank Accounts: Please note that Microsoft Mobile Oy is going to have new bank accounts, for further information please contact us via AP Portal: https://ap.nokia.com/APPortalExt/Login.aspx (registration required).

There is NO change in the invoice sending method, please continue to send the invoices via electronic channels as before.

For further information on changes (legal address/send to address) after the close of the transaction between Microsoft and the Nokia Devices and Services business, please check our Invoice Address Search tool (IAS): https://ap.nokia.com/APPortalExt/AddressSearch.aspx (No registration required), or contact us via AP Portal: https://ap.nokia.com/APPortalExt/Login.aspx (Registration required).

Please note that the only changes in the Purchase Order (PO) layout after the close of the transaction will be to remove the Nokia Logo and change the legal address, whereas the PO numbering format and sequence will not change.

Continuation of business with Nokia

In addition to becoming a supplier for Microsoft Mobile Oy, we appreciate that you might also remain a supplier to the continuing businesses of Nokia (i.e., NSN, HERE or Advanced Technologies) after the close of the transaction between Microsoft and Nokia Devices and Services. Nokia will communicate separately any changes in invoicing methods and addresses before the close of this transaction.

Best regards,

Nokia Devices and Services Financial Services Purchase to Pay Team

Five most watched Gregg Homme Videos

Gregg Homme is a brand that has become known for more than its outrageous underwear. When Gregg Homme prepares for a campaign, we can surely expect nothing but the most provocative Gregg Homme videos to complement the sexy and barely there designs.

As we searched for the best of the best/most viewed Gregg Homme videos up to now, we discovered that three campaigns reigned supreme: One Night Stand, The Business Strip, and Provoke. These videos starred three Gregg Homme juggernauts: Philip Fusco, Thierry Pepin, and Anthony Ferla.

For more information about this brand: Gregg Homme


5) One Night Stand Part 1

4) Business Strip Part 1

3) Provoke Part 1

2) Business Strip Part 2

1) Provoke Part 2

專家評析：台灣必須在國際教學市場上打敗簡體字，沒有藉口

台灣是漢字文化的守護者（取自維基百科）

一則小小的新聞在我眼角飄過，上面的關鍵字吸引了我：瘋台灣，日人來台學華文增6成。

多棒，沒想到我長久關注的中文領域，也開始有國際競爭力了。我興沖沖地根據新聞裡的關鍵字搜尋教育部相關計畫，不幸在第一個連結裡發現了一條完全相反的新聞：中國搶人，台灣華語生首度負成長。

台灣連華語教學都輸人？

所以開頭的新聞說的也許是事實，但只是部分事實，新聞只講了好聽的部分，略過了難聽的。台灣的華語文教學國際競爭力是衰退，而不是成長。日本人為什麼會來台灣，原因並不是我們教學有口碑，而是台灣對日本比較親切。

這是個悲哀的訊息，而這還是政府信誓旦旦要「打造台灣成為華語文產業輸出大國」的政策願景。順著教育部打造這個願景的「八年計畫」在線上瀏覽，我們會看到各種周邊計畫，從課程，到通路，到甚至海外學生的接待家庭，包羅萬象。

唯獨看不見的，是如何在目標族群（全世界想學中文的人）中，塑造真正有威力的品牌形象，以便超越中文教學最大的競爭對手——中國。

學中文去中國學，學中文找中國學校，這是全世界任何想學中文的人，自然會有的反應。中國又如此巨大，每一個想進入中國市場的人，必然會帶著學中文、順便建立人脈關係、兼了解風土人情的心態，上門去學。

這是台灣在中文教學市場上先天的劣勢，因為對岸占著「中國」招牌的好處。台灣如果沒有做對事，光是在先天的市場認知上就已經處於挨打局面了，如果我們還是只會怪對手到處撒銀子，辦孔子學院，搶學生搶得兇，有用嗎？當然沒用。入台華語生開始萎縮就是現實給我們警告。
怎樣才能做對事呢？讓我們看看教育部對台灣這個產品的市場定位：

「教育部深信，我國所保有的正體字華語教學與豐富多元的文化內涵，以及六十年來的優質華語教學聲譽，加上經過專業訓練的優秀華語師資，以及臺灣多元文化的豐富內涵，足以吸引優質的外國學習者，開拓另一個華語巿場客層。（提供全方位師資、課程 邁向華語文產業輸出大國）」

這就是主政者對自己的認知。對市場不了解，對對手沒有分析，對自己真正的優勢完全沒有知覺。中國只要說，來學簡化字，簡化字更好學，簡化字市場最大；這樣就算有再多的文化內涵、教學聲譽，能打得過嗎？

不過有一點教育部倒是心頭雪亮，那就是：我們打不過，所以我們應該「開拓另一個華語市場客層」（見引文最後一句）。所以教育部根本不敢正面交鋒，只想趁著華語熱，看看能不能在邊上分食一點市場零頭。這句引文清楚地傳遞出了這種失敗主義的心態。

這個市場上，最直覺、最討好的訴求都在中國，不打破這個刻板的品牌形象，台灣豈會有出路？中國占有招牌字眼的優勢（學中文應該去中國），這確實無法改變，但更棘手的還不只這個，台灣的中文產業面對更棘手的麻煩，是「簡化字」所暗示的「學起來比較簡單」的假象。

中文是如此困難，以至於任何可以強調簡單、速效的藥方，都會受到歡迎。想學中文的外國人一看到「簡化」，心裡就高興了，腦中就響起了天籟：對嘛，當然要從簡單的學起啊。

我們如果不斷強調正體字是固有傳統，是完整的經典，是博大精深的文化，那正好是把懷著忐忑心情，不知道學中文會不會很困難的洋人學生從門口趕走。

必須瞄準簡化字的罩門

在國際語言教學的市場上，正體中文的威力，不應該是正統傳承，而應該是直接跟簡化字單挑誰最簡單、易學，誰是更高效的入門選擇。我們應該建立只有傳 統字才是「可以理解，不用死背，最適合外國人學習的中文」的品牌形象。直接針對簡化字的罩門發起攻擊，台灣才可能在整個市場上爭得自己的市場占有率。

簡化字原本就是為普及教育而發明的，我竟然說傳統字才更簡單，更好學，這不會太自嗨嗎？當然不。

原因很簡單，因為簡化字只簡化了單字，卻造成整個漢字系統的繁化，而且造字邏輯混亂，漢字原本可以理解的系統性變得支離破碎。所以事實上簡化字才是難學的字。

大部分想學中文的外國人，都已經脫離幼兒語言學習期很久了，他們不再有幼兒的優勢，從小把語言模組直接鑄刻在大腦神經迴路上，他們更需要倚靠理解的方式學習，而這正是台灣使用傳統漢字先天的優勢。

瑞典真實的漢字教學經驗

寫出暢銷書《漢字的故事》的林西莉老師在瑞典的教學經驗就是證明。林西莉是瑞典人，雖然她在北京學過中文，但當她在瑞典教中文的時候，教的卻是傳統字（她稱為原體字）。她在書中提到學習簡體字的問題：

「有很多新造的簡體字，不但看起來很怪，甚至可以說很醜。對我來說，這些簡體字其實更難記住。所以每次我要學習新字的時候，我一定先去看原始未簡化 的「原體字」，熟悉其字形結構，辨認出部首、聲旁，努力去看出那個字背後隱含的古老圖像。只有在我摸清楚每個「原體字」真正的意義後，我才有辦法學會並記 住新的簡體字。﹂

這是一個真正在線上教授漢字的老師，實際的經驗之談。她用課堂講義為基礎寫成的超級暢銷書《漢字的故事》，在瑞典的總銷量是八十萬冊，而瑞典是一個人口只有八百萬的國家。十分之一的國民透過她的介紹，能夠欣賞漢字的造字之美，這是簡化字辦不到的。

簡字更難學，實際的字例

為什麼筆畫多的傳統字更好學，筆畫少的簡字反而難呢？我且舉幾個例子，例如門、開、關這組字：

傳統字：門、開、關
簡化字：门、开、关

傳統字你一看就知道這三個都跟「門」有關，但在簡化字上，你找不到這種關聯，你只看到三個陌生的符號。這三個字破壞了中文的設計邏輯，看起來筆畫簡單了，但字的相關性不見了，事實上你要花更多的力氣死背，而且是背完全沒有邏輯可言的符號。

再一組：

傳統字：葉、諜、蝶、碟
簡化字：叶、谍、蝶、碟

葉簡化成叶，一點道理也沒有，木也沒了，草也沒了，聲音也不對，更糟的是，葉底下的「枼」，是個常用的形聲和會意的字符，在間諜、蝴蝶、光碟等常用字裡面會大量使用。所以呢，傳統字只要學一個「枼」，就可以通用於所有這些形聲字和會意字。

蝴蝶、光碟和樹葉有什麼關係呢？它們不只同韻，同時也都是薄薄的一片（枼原本就是葉的古字，所以它衍生出薄片的意義）。

這是傳統字系統學習的優勢，簡化字則破壞了這個系統，表面上葉子的寫法簡單了，但系統類推的優點卻破壞了。字音不再看出淵源，字義的會意關聯也完全消失。

簡化字根本的問題就是這樣，貪圖一個字的便利，結果卻是把整個系統打亂。更可笑的是，以這組字而言，碰到蝴蝶、光碟的時候，「枼」這個部件你還是得學，根本省不掉。

再一組：
傳統字：構、購、講、媾、溝
簡化字：构、购、讲、媾、沟

傳統字這一組都有一個共同的組字部件：冓。冓在甲骨文裡畫的是某種結構交錯的構造物，當它用來作形聲、會意字的偏旁時，用的就是這個交錯、交互、交流、溝通的意義。從傳統字的五個字來看，我們可以很清楚地看到如此造字的理由。

但在簡化字裡面這個造字的理由消失了，不但消失了，同時另外用兩組零件取代原先統一的冓字（勾、井），更糟的是，竟然有一個字保留冓部件不動。

單字簡化，但卻導致系統的負荷增加

這樣學生要學這五個字，是比較簡單還是比較困難呢？你要比傳統字學生更多學兩個組字部件，然後還要死記硬背這些字的字義，而傳統字要學的那個部件你也不能不學。單字好像簡化了，但系統的負荷則增加了。

相對的傳統字學生只要記一個冓字，所有五個字就都可以記得，不但可以記得，還可以理解他們為什麼擁有共同的組字零件。

（學簡字的洋學生如果看到「讲」字，心想這個字跟「进」字一定關係密切吧，他就慘了，找死了他都找不到關係何在。）

簡化字就是這種左支右絀的體系，眼光短淺到以為單字筆畫簡化了，文字就好學了，卻不知道漢字造字有本來的生態，破壞了生態導致所有字都要死背硬記，還洋洋得意說學習變簡單。可嘆。

漢字是由組件構成的文字。根據中研院的報告（漢字構形資料庫的研發與應用），針對大五碼的一三〇五一個常用、次常用字集，可以拆出四四一個基礎部件和一八五六個合成部件。而簡化字總表中的二二三五字，就額外新增了四十一個基礎部件，和二二五個合成部件。

從部件構字的角度言，簡化字事實上增加了漢字學習的難度和複雜性。因為你要多學更多新部件，而舊部件大部分也無法省掉不學。最糟的是新舊部件沒有關聯，所以兩個使用相同部件的傳統字，在簡化字裡面經常看不出它們原來曾經是一家人。

傳統字威力最強的地方

系統被拆散，關聯被消除，中文變成無法理解的文字，只能硬背。這就是簡化字為什麼無法簡單學的原因。而這也是我們使用的傳統字威力最強的地方，好學，可理解，學習效率高，還能串起三千年的漢字文化，包括簡化字也能在傳統字基礎上快速學習。

可惜我們空有神器在手，主事者卻不知道這威力有多大，只會做出看起來包山包海的專案，消耗可憐的預算，然後把來台學中文的市場越做越小。我們如果連祖宗留下來的寶貝都不曉得如何經營，還有什麼資格自居正體字的守護者呢？

台灣一定要、也必須要在國際教學市場上打敗簡體字，這是沒有藉口可講的。（更多老貓文章請看老貓出版偵查課）

33 Graphs That Reveal Painfully True Facts About Everyday Life

Danish writer/artist duo Mikael Wulff and Anders Morgenthaler create comedy cartoons and graphs depicting the everyday struggles, irritations, and insights of their fellow Westerners. Official-looking graphs show unofficial statistics from our daily lives that are at once unexpected and glaringly obvious.

The duo publishes their satirical creations every day on Wumo, their webcomic and newspaper cartoon strip (formerly known as Wulffmorgenthaler). Their cartoon career started in a comic strip competition in 2001. Their victory gave them the opportunity to be published in Politiken, a national Danish newspaper, for one month. Things continued looking up when their strip became very popular and became a regular feature in several blogs and newspapers in Scandinavia and Germany. Now their comic strip is a regular in The New York Times.

Take a look at this collection of graphs – are they true for you as well?

RIP the legendary Tiger of Jelutong, Karpal Singh

RIP the legendary Tiger of Jelutong, Karpal Singh... Feels sad to read this, having lost a prominent voice for the citizens in the Parliament. The 1 voice that has spoken for us for years!!!

IPOH - Anggota Parlimen Bukit Gelugor Karpal Singh dan pembantu peribadinya maut dalam kemalangan membabitkan kenderaan serba guna (MPV) yang dinaikinya dan lori di Kilometer 306.1 Lebuhraya Utara Selatan laluan utara berhampiran Gua Tempurung di Kampar awal pagi ini.

Ketua Polis Daerah Kampar Superintenden Ng Kong Soon berkata Karpal Singh, 74, dan pembantu peribadinya Michael Cornelius, 40-an, maut di tempat kejadian.

Selain itu, katanya, pembantu rumah Karpal Singh, seorang wanita warga Indonesia cedera parah dan mengalami pendarahan di bahagian otak sementara anak lelaki pemimpin DAP itu, Ram Singh, 38, dan pemandu kenderaan MPV tidak mengalami kecederaan dalam kemalangan pada pukul 12.40 pagi itu.

"Siasatan awal polis mendapati kenderaan MPV jenis Toyota Alphard berwarna putih yang membawa lima penumpang termasuk Karpal Singh dalam perjalanan dari Kuala Lumpur ke Pulau Pinang dipercayai hilang kawalan apabila tiba di kawasan kejadian dan melanggar bahagian kanan lori yang sedang bergerak di sebelah kiri laluan itu," katanya ketika dihubungi Bernama di sini hari ini.

Beliau berkata lori lima tan yang membawa muatan simen, besi dan mozek itu dipercayai bergerak perlahan di sebelah kiri laluan ke utara itu memandangkan ia membawa muatan berat dan tempat kejadian juga merupakan kawasan laluan berbukit.

Ng berkata kesemua mangsa dibawa ke Hospital Raja Permaisuri Bainun di sini. Operasi menyelamat kesemua mangsa dalam kemalangan itu dibantu anggota Bomba dan Penyelamat di tempat kejadian, katanya. - Bernama

Read more:

• [Idiotic] Muslims not encouraged to use ‘RIP’, says National Fatwa Council
• Karpal Singh’s final journey, thousands bid farewell
• Tears flow as Penang bids farewell to Karpal

A Tribute to Karpal Singh - Never Gone 永远怀念卡巴星
http://vimeo.com/92351513

When And How To Tuck In Your Shirt

Why talk about something so basic?

Is there really a need to teach men something most of us have been doing since we were 5?

Well, yes, actually. Just look around. How many men do you see sporting a billowy, unkempt-looking shirt?
Or what about that guy giving a presentation who unconsciously re-tucked his shirt three times during a 5-minute talk?

Most men probably have no system for tucking in their shirts.

Just because you do something doesn’t mean you are doing it correctly.

The goal of this article is to expose you to a few tactics that might eliminate the nuisance of an un-tucked or wrongly tucked shirt.

So let’s get started!

What To Tuck And What Not To Tuck

When should you tuck in your shirt? It’s a question that’s often debated. Here are a few guidelines:
Shirts that are made with a flat bottom hem are meant to be worn untucked. But if the shirt has visible “tails” — that is to say, the hem varies in length, rather than being even all the way around — it should always be tucked in.

Wearing a shirt with tails untucked is not a forbidden look. But it is a juvenile one. With nothing else on the upper body, it makes you look like a teen rebel at a grown-up wedding. Under a jacket or with a suit, being untucked makes you look like you’re trying too hard to be stylishly rumpled.

There are men who will insist on the artfully un-tucked shirt. More power to them. But for my money, tucking in a shirt with tails will always give you a sharper and more mature look.

If your shirt doesn’t have visible tails, there’s more leeway on whether you should leave it tucked or untucked:

• Undershirts — These can always be tucked, and absolutely should be if there’s any chance of them poking out from beneath your other layers. For best results, tuck undershirts into underwear (more on this below).
• Polo shirts — They have an even hem and can be worn untucked, but are often tucked in for a little dressier look, especially by golfers. Rugby shirts, their long-sleeved cousins, are almost never tucked in, however.
• Turtleneck/roll collars — When worn under a sports jacket or blazer, these are often tucked so that the belt buckle is visible. On their own, it’s better to leave them untucked.
• Hawaiian shirts — These and any other loud-print shirts don’t get tucked no matter what their hem looks like. Seriously, just don’t. Nothing looks dorkier than a tucked-in vacation shirt. This goes for Guayaberas as well.
• T-shirts — Opinions are going to vary widely here. Some subcultures love the tucked T-shirt with the visible belt buckle; others will think you look like a total nerd. It depends a lot on the shirt, the belt, and the trousers, as well as your overall style. In general, don’t tuck the T-shirt unless it’s a deliberate style statement.

Need more?
Check out what Andy over at Primer has to say about tucking in your shirt and looking good (for you anti-tuckers!). I’ve also covered when to tuck and when not to tuck in video format. Finally, Beth over at Dappered gives us a woman’s opinion.

What Is The Proper Way To Tuck In A Shirt?

When it’s time to tuck in your shirt, do it the right way.

A good tuck should make the front of your body smooth and flat.

If your waist tapers below your rib cage, that should be visible. There should be no wrinkling and no “muffin-topping” — where the shirt blouses out over the trouser waist and makes a ring around your midsection.

You should also have a clean “gig line” — a military term for the imaginary line straight down the front of your body, from the point of your chin to your crotch. A well-tucked shirt should sit so that the shirt placket (the rectangle of fabric where the front buttons are located) lines up precisely with the fly of your trousers. The belt buckle and trouser button should be centered neatly in that same line.

A clean gig line divides your body cleanly, emphasizing evenness of proportion. It also tells people that you pay attention to detail — or it might be more accurate to say that a sloppy gig line tells people you don’t. Either way, you want it crisp and vertical.

Finally, keep in mind that a good shirt fit in the first place will always make tucking the shirt in easier.

The less excess fabric you’re dealing with around the waist, the less your tuck has to secure. A well-fitted shirt is also sure to be long enough for an effective tuck, while a short shirt will always be in danger of escaping no matter how well you tuck it.

1. The Basic Trouser Tuck

This is where most men start and finish their shirt-tucking education — shirttails inside the trousers but above the underpants, shoved straight down all the way around the waist. It’s the no-thought way to do it, and it’s the most common as a result.

Here’s the easiest way to do this one, and you’ve probably done it a million times unless your father taught you a different method from a young age: put your underwear on, then put your shirt on and button it up, and then finally pull your pants on, buttoning them closed over the shirttails.

Your shirt ends up pinned beneath your trousers with no effort on your part. It just got there by virtue of the order you did things. And as long as your trousers aren’t too loose, the shirt will probably stay there. Just because it’s easy doesn’t mean this is a bad tuck.

If you don’t want to think too hard, this is the way to go. But be cautioned: it works well with a fitted shirt, and terribly with anything else. If your shirt doesn’t have a close, well-tailored fit, you need a little more technique to deal with the excess fabric.

2. The Military Tuck

This is how the armed forces are taught to tuck in their uniform shirts. It creates a pair of folded pleats, which are then pinned flat by the trouser waist for a crisp, stiff tuck.

Different services in different countries have variations on this, but the basic principle is the same: you stand straight in your shirt, and if there’s any loose fabric hanging on either side of you, you fold it into a sharp, diagonal crease, sort of like making the nose on a paper airplane. Then you tuck the creases in at the hips, belting your trousers on above them.

Below are the step-by-step instructions. Don’t be discouraged if this one takes you a few tries to get right! It really starts to shine once you’ve practiced it enough for the movements to become routine.

1. Have your pants on, but unbuttoned. You’ll need to close them up quickly over the shirt once you’re done with your folding.
2. Pinch each of the shirt’s side seams between a thumb and forefinger. Pull down to tug all the fabric taut.
3. Fold the seams backward toward your rear end, creating a pleat that folds over any loose fabric in the sides. Use enough pressure to pull the shirtfront smooth and taut across the front of your chest.
4. Button your pants up and belt them to hold the pleats flat against your body. Depending on how much excess fabric the shirt had, the folds should sit somewhere behind your hips, underneath the back of your armpits.

The military tuck can take practice getting the folds straight and flat, and it works best in stiff, smooth fabrics that can hold the crease well. Use it any time you’ve got excess fabric around the waist and sides of the shirt.

3. The Underwear Tuck

No, I’m not talking about tucking your dress shirt into your underwear.

Although this method is effective, it can backfire when your puppy dog boxers creep up past your waistline.
No, the underwear tuck refers to the need to properly tuck your undershirt into your underwear in order to ensure the dress shirt is between your underwear and trousers (vs. your undershirt and dress shirt sitting between your underwear and trousers).

Believe it or not this small difference has a large impact on how your shirt stays tucked in throughout the day.
Your ideal tuck, if you’re an undershirt wearer, should go in this order, from the body outward: undershirt, waistband of your underwear, regular shirt, waistband of the trousers, and finally your belt.

Oh, and if this doesn’t work well enough, you should look into purchasing a pair of underwear with grip technology that is designed to hold your dress shirt in place. My friend Mike over at RibbedTee just designed the Stuck Boxer Briefs, and makes them right here in the USA!

4. Shirt Stays — The Ultimate Shirt Tuck

A method with some extra help: small garters tug the bottom of the shirt taut beneath the trousers.
The phrase “shirt stays” is sometimes used to refer to collar stays (the flat tabs inside the points of some dress shirt collars), but it also refers to a specialized sort of garter. These are used by several militaries around the world, and are also popular among sharp dressers.

Basically, the stays are just a pair of small, elasticized garters with clips at the ends. You put your shirt on first and button it up, clipping one end of the garters to the tips of your shirttails (the stays come in sets of two, one for each shirttail/trouser leg). Then you put your socks on, and attach the lower clips to them, adjusting the buckles until the shirt is held straight but not taut.

Then you put your trousers on and get used to the feeling of elastic bands running vertically up your legs. It takes a few minutes to get used to, but I personally don’t notice it and rather enjoy the compliments a tidy look brings!

Recently there’s been a wave of alternative products that serve the same basic function with different mechanisms. There are high-friction belts worn under the trousers to cinch a shirt into place, underpants with clips that grip the hem of the shirt directly, and even little magnetized catches worn under the trousers to hold the shirt in place.

If you’re willing to add another item to your morning dressing routine, these can work well. Find the one you like and stick with it!

Watch a whole video on shirt stays to learn even more!

Bad Tucks

In addition to simply not tucking in a shirt that is made to be tucked in, there are a couple of bad ways to tuck:

The Half-Tuck
Tucked in at the back, but with one of the two shirttails in front (usually the left one — the one with the button, not the one with the buttonhole) popped out and waving in front of the trousers.
It’s supposed to be a sexy, just-rolled-out-of-bed look, or something.

Unless you’re Brad Pitt, you just look like you did a bad job tucking back in after going to the bathroom. It’s a step up from a piece of toilet paper stuck to your heel, but it’s not a big step.

The Once-Tucked
Once you’ve made the decision to tuck in your shirt, commit to it. Untucking a shirt that you’ve been wearing half the day in your pants results in the bottom section being wrinkled and rumpled — giving you a disheveled look. This is especially important if you’re going to wear a dress shirt untucked; when you decide to bend some of the rules, it’s easier to pull off if you’ve at least pressed the shirt from top to bottom. Brett will show you how it’s done.

The Tuck with No Belt
Obviously, when you tuck in your shirt, the top of your pants (and therefore any belt loops and buttons) will show. If your pants have belt loops, wear a belt. If you don’t like wearing a belt, consider removing the loops. Most of my own trousers utilize side straps versus belt loops, so just know your preference and buy the type of trouser that suits you best.

Watch a video recap:

source: http://www.businessinsider.com/when-and-how-to-tuck-in-your-shirt-2014-4?IR=T&

喝酒臉紅的人,能活多久?

來自腫瘤醫院醫生的忠告： 別勸別人喝酒了！除非你跟他有刻骨銘心的仇！

一位醫生說的:今天我們科室又收來16 個食道癌的患者,最年輕的才27歲, 全是食管中段的病變。幸運的是都是早期癌。

再次給大家普及！喝酒臉紅的人是體內缺少解酒的物質，臉紅是中毒的癥狀，這樣的人喝酒比其他人患食道癌的概率多16到28倍。 正能量轉發！

朋友要體諒，不要拚酒量。 以前的酒還是糧食做的，現在的酒基本上是水和化學物質勾兌的。

朋友們，你們喝的不是酒，喝的是化學物質。

喝下去傷肝又傷腎。

我轉了，因為你是我的朋友！

我希望能經常看到你！ 還因為身邊有一群愛喝酒的朋友！

適量喝，把握度。

喝酒上臉的人真能喝酒 嗎？有沒有科學依據？

親朋好友相聚常 常要喝點酒，推杯換盞間，有些人酒一下肚臉就紅了,以前人們多認為這是不勝酒力；近年來,“臉紅人酒量大、代謝快”的說法占據了主流。近日，一 位俞先生來電，稱自己一喝酒就臉紅，生意場上的朋友都說他能喝，在一次喝了二兩白酒 後，吐得一塌糊塗不說，半夜去醫院急診打保肝吊針才緩過來，“我真的是喝怕了！”

　　“喝酒上臉的人真能喝酒 嗎？有沒有科學依據？”這樣的話題在各大網絡上流傳，關註的人不僅是經常喝酒的人。

　　研究發現：喝酒上臉的人代謝受阻

　　“從醫學上講，‘喝酒臉紅的人更能喝’的說法是錯誤的！”武漢大學中南醫院消化內科主任醫師施先艷日前表示。

　　她說，任何食物進入人體後都要進行消化代謝。酒精代謝主要靠肝臟裏的乙醛脫氫酶2（ALDH2）。酒量大的人，體內的乙醛脫氫酶2相對夠用。而喝酒紅臉的人，說明肝臟內的乙醛脫氫酶2偏少，酒精代謝會因此減慢、受阻，存留體內的酒精刺 激血管擴張,導致臉色、及身體其它部位的皮膚發紅（如頸部），另外還會出現心跳加快、惡心等醉酒癥狀。

　　“喝酒臉紅的 人並不能喝酒，這種結論在國外研究界也已經認定。”施先艷告訴記者，美 國《PlosMedicine》雜誌2009年第3期第6卷上，刊載了一篇名為《酒精性臉紅 的反應：來自於飲酒關於食管癌未知的風險因素》的論文，美國國家酗酒與酒精中 毒研究所和日本久裏濱酒精過敏研究中心的研究人員的聯合研究發現，對於體內缺乏乙醛脫氫酶2或這種酶不能正常發揮作用的人群來說，患食道癌的風險隨酒精攝入量的增多而增大。這種風險發生的幾率的可能遠遠大於那些飲酒後“面不改色”的人群。

喝酒臉紅的人，其實是不能喝，請不要再逼他們了。為自己，為親人，一定得轉！

2014年04月11日 - 钱途屋语：买房要准备多少钱？

标价多少算是可负担房屋？在目前市场价位上扬幅度快速的情况，已经不容易定义。

根据政府为可负担房屋推出的各种计划，可见目前比较能接受的价位是40万令吉。

即使如此，你会发现，这个价位的房子已是买少见少了。

如何为可负担房屋定义是一个问题，但购房门槛相信是更多人关切想知道的。

可能你很难相信，大约在4到5年前，是有可能以20万令吉左右，在一些热门的城市地点如吉隆玻、八打灵再也、新山或槟城，购买一间不错并不小的公寓，而且这很普遍。

在2010至2012年间，政府将可负担房产定价在约22万令吉。

这可从2011年财政预算案中宣布的“我的第一间房屋计划”（SRP）中印证，因为政府当时将这项计划的住宅顶价定在22万令吉。

但当来到2012年底时，这个价位的房子已经很难找到了。

首间房屋计划顶价40万

首购族开始发现，他们无法承担房产的市价。

观察到这个变化，政府去年将“我的第一间房屋计划”的顶价设在40万令吉。

这转变由多个因素导致；一边厢，低收入群对这可负担房屋40万令吉的标价发笑，因为那根本是他们无法承担的价位，而另一边厢，城市的年轻首购族发现如今很难再找到这价位的房子。

不管政府如何努力为“可负担”这个词来标价，其实都应依照个人的情况而定。

今天对你来说是可负担的，但却无法提供你相对于5年前可负担价位的同等生活质量。

不管你如何定义可负担，要探索入场的门槛有多高，即你需准备多少现金才能购房，让我们从10万令吉至60万令吉的房价对比，就能一探究竟。

须准备头期钱律师费等 首购族享优惠

首先，我们要看看买房的成本，尤其是房产价格和下订时需准备的现金对比。

一般来说，购买房子时必须准备屋价的10%为头期，之后就是律师费和印花税等费用。

从上表屋价和进场成本的对比，看来趋势并不令人鼓舞。

但假如你是首购族，你还有几个减轻负担的方法或项目可考虑：1.购买40万令吉以下房产，买卖合约的印花税减50%2.申请“我的第一间房屋计划”，购买合资格的房屋价格（40万令吉以下的房产），以便可获得100%贷款，意思是不必付屋价10%头期。

须考虑贷款能力

即使你拿得出头期钱和下订时需缴的费用，你还需要符合银行设定的资格来申请按揭式的房屋贷款。

当你考虑房贷的承担能力时，有2个方面必须仔细考虑。

首先，在银行批发贷款前，你的收入必须符合银行的最低要求；其二，即使你符合资格，还要计算你的收入缴付房贷供期后所剩多少，是否足够的资金过生活？这是最切身和实际的问题。

假如这2个问题，其中一项答案是“不”的话，还要继续买房便是不智的决定了。

上表中，我们根据目前的利率、房贷款额和供期等数据，计算出申请房贷所需的最低家庭收入统计。

这只是最基本的统计数据，因为这还未纳入你可能正肩负的其他财务责任。

总结

善用免费谘询服务 掌握可承担房贷价

尽管每个人的财务状况可能都不同，但购房所需的成本与屋价基本上是相符的。

要确认自己有能力与否，必须对比你的个人财务和所需成本。

不管你是不是首购族，申请房贷和购屋时，请谨记善用Loanstreet的免费网上资讯和谘询服务。你也可以在Loanstreet网站使用房贷计算器，掌握自己可承担的房贷与屋价等资讯