This article talked about how the rich invest their money. The rich put money in their property, owned mortgage instead of installment debt, diversity investment and their owned business. But I don't quite understand the difference between mortgage and the installment debt, such as auto loan. For me, they are the same. But I do think I need to find it out. Luckily we have Internet. After searched online, here is the definitions:
Installment debt: Liability that typically has a fixed interest rate, fixed term, and equal payments amortized over a set number of months, agreed upon by the lender and the borrower prior to disbursement.
Mortgage: A lien or claim against real property given by the buyer to the lender as security for money borrowed. Under government-insured or loan-guarantee provisions, the payments may include escrow amounts covering taxes, hazard insurance, water charges, and special assessments. Mortgages generally run for 10 to 30 years, during which the loan is to be paid off.
I was really surprised with the findings, which means I misunderstood for such a long time. I learned that don't take anything for grant. There are something out there that we don't really understand.
Now, let's back to the article. I realized that Zhang may become such a rich one day only because he always dreamed to own a rental property. He described the situation to me and said we could use the rent income to pay the mortgage and if possible it could help us to pay our rent. Such a great idea! I am a luck girl who has him.
At the end of the article, it said that we may never make the Forbes 400 list of the wealthiest people, but we can create a richer life. And I totally agree with it.
November 12
今天有空,有心情,在MSN上看了看別人的blog,那些個best blog。
有一個叫Anne的人,寫的blog很有感情,講的是生活中的人和事,還有她的感情世界。給我一種感覺,就像是平常看電視Sex and the City時,聽Carrie一大段一大段的自白似的,很細膩,感性,又有幾分頑皮。Blog寫成這樣,挺難得的。
Blog給了人們一個可以宣泄感情的空間,但是,我不知道是不是所有的人在寫Blog的時候,是將所有真實的感情拿來表達?我隻知道,有些事,是講給有的人聽的,有的Blog,是寫給特定的人看的。不過,我的這個Blog,沒有邊界,沒有終點,在數據空間裏隨便的漂著吧。
第一次見到這五個娃娃,就像回到了童年,很可愛啊。
等有的買的時候,一定要買回來,還有,要帶著他們的頭飾到處晃晃。
November 09
今天去學校辦OPT的東西,一項兩項的還挺多要做的。看來今天是辦不完了。明天繼續。 晚上和好朋友在“故鄉味”小聚。她剛上班不久,今天是到city的client這裏On site。其實她搬到外州不過兩個月多,但就像是分開了很久一樣。遠遠的看見她走過來,我激動地很呢。
她的頭發長長了很多,自然的披在肩上,一身西裝,外麵套一件風衣,背著有公司名字的提包,神采奕奕。跟印象中的人很不一樣,是上班了的緣故吧。
我們邊吃邊聊,過去的朋友,現在的工作,將來的打算,很是盡興。
朋友的意義可能就在這裏。
November 07
今天去同學家,慶祝他們喬遷之喜。
他們住在NJ南邊,很美麗的一個小鎮上。環境非常好,一路開過去,層林盡染,色彩繽紛,像是天然畫卷一般。
不大但很實用的房子,還沒有完全布置好,全新裝修的房間一塵不染。樓道上掛著碩大的中國結,顯示出主人優雅的氣質。
這房子剛進去時,真的很涼的感覺,光著腳板走,都會覺得很冷。說是"house warming",真的挺對的。
吃過中飯,是自由活動時間。大家興奮的穿來穿去,幹什麽的都有,熱鬧得很。
等晚上離開的時候,屋子裏暖暖的,我們的warming之行,成功了。
在車上,和同學揮手再見。柔和的燈光透過廚房的窗戶灑在他們身上,慢慢地彌漫了他們的影子。
回來的路上,想了很多。看著他們穩定下來,買了房子,真心的祝福他們幸福。同時,我也深信,通過努力,我們也會有這樣的一天。
November 05
到了該反省的時候了。
剛才看見海報,說是Harry Poter要演第四集了。那些小演員如今已是大孩子了。開始看他們的表演還是兩三年前的事了,時間過得真快啊。什麽白駒過隙,日月如梭,都不是假的。好像給自己定過好些計劃,比如一年看N本小說,每禮拜看N篇新聞之類,基本都是沒有實現的。來了這兒這麽久,英語馬馬虎虎,閱讀寫作提高都不大,現在,連中文都有些退步了。真是該罵罵自己了。
畢業就在眼前了,開年可能就要開始工作了,我,準備好了嗎?這個問題問的我心驚膽顫啊,底氣不是很足的。也罷,過去的時間是追不回來的了。錯過了月亮,可不想在錯過了太陽。現在開始,從頭再來過。
November 04
最近兩個月,忙得暈頭轉向,忙著各種麵試,都快不知道東南西北了。直到上周,接到一個offer,才可以稍微的喘息以下。
這周還是忙,不停的和HR的人寫email,填各種各樣的表格,和學校的輔導員談談。今天,終於收到了一個email,說下個星期會有結果。
大喘氣中,把近來的照片整理了一下,傳了上來。
有在家門口拍的,有上次去上州學校麵試路上拍的,有在Chinatown拍的。畢竟,又是一個秋高氣爽的季節。
**自己說過要打理這個Space,不能光說不練啊。
October 12
Just heard about MSN spaces.
Start to work with it when I have time.