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上看了看别人的blog,那些个best blog。
有一个叫Anne的人,写的blog很有感情,讲的是生活中的人和事,还有她的感情世界。给我一种感觉,就像是平常看电视Sex and the City时,听Carrie一大段一大段的自白似的,很细腻,感性,又有几分顽皮。Blog写成这样,挺难得的。
Blog给了人们一个可以宣泄感情的空间,但是,我不知道是不是所有的人在写Blog的时候,是将所有真实的感情拿来表达?我只知道,有些事,是讲给有的人听的,有的Blog,是写给特定的人看的。不过,我的这个Blog,没有边界,没有终点,在数据空间里随便的漂着吧。
第一次见到这五个娃娃,就像回到了童年,很可爱啊。
等有的买的时候,一定要买回来,还有,要带着他们的头饰到处晃晃。
November 09
今天去学校办OPT的东西,一项两项的还挺多要做的。看来今天是办不完了。明天继续。 晚上和好朋友在“故乡味”小聚。她刚上班不久,今天是到city的client这里On site。其实她搬到外州不过两个月多,但就像是分开了很久一样。远远的看见她走过来,我激动地很呢。
她的头发长长了很多,自然的披在肩上,一身西装,外面套一件风衣,背着有公司名字的提包,神采奕奕。跟印象中的人很不一样,是上班了的缘故吧。
我们边吃边聊,过去的朋友,现在的工作,将来的打算,很是尽兴。
朋友的意义可能就在这里。
November 07
今天去同学家,庆祝他们乔迁之喜。
他们住在NJ南边,很美丽的一个小镇上。环境非常好,一路开过去,层林尽染,色彩缤纷,像是天然画卷一般。
不大但很实用的房子,还没有完全布置好,全新装修的房间一尘不染。楼道上挂着硕大的中国结,显示出主人优雅的气质。
这房子刚进去时,真的很凉的感觉,光着脚板走,都会觉得很冷。说是"house warming",真的挺对的。
吃过中饭,是自由活动时间。大家兴奋的穿来穿去,干什么的都有,热闹得很。
等晚上离开的时候,屋子里暖暖的,我们的warming之行,成功了。
在车上,和同学挥手再见。柔和的灯光透过厨房的窗户洒在他们身上,慢慢地弥漫了他们的影子。
回来的路上,想了很多。看着他们稳定下来,买了房子,真心的祝福他们幸福。同时,我也深信,通过努力,我们也会有这样的一天。
November 05
到了该反省的时候了。
刚才看见海报,说是Harry Poter要演第四集了。那些小演员如今已是大孩子了。开始看他们的表演还是两三年前的事了,时间过得真快啊。什么白驹过隙,日月如梭,都不是假的。好像给自己定过好些计划,比如一年看N本小说,每礼拜看N篇新闻之类,基本都是没有实现的。来了这儿这么久,英语马马虎虎,阅读写作提高都不大,现在,连中文都有些退步了。真是该骂骂自己了。
毕业就在眼前了,开年可能就要开始工作了,我,准备好了吗?这个问题问的我心惊胆颤啊,底气不是很足的。也罢,过去的时间是追不回来的了。错过了月亮,可不想在错过了太阳。现在开始,从头再来过。
November 04
最近两个月,忙得晕头转向,忙着各种面试,都快不知道东南西北了。直到上周,接到一个offer,才可以稍微的喘息以下。
这周还是忙,不停的和HR的人写email,填各种各样的表格,和学校的辅导员谈谈。今天,终于收到了一个email,说下个星期会有结果。
大喘气中,把近来的照片整理了一下,传了上来。
有在家门口拍的,有上次去上州学校面试路上拍的,有在Chinatown拍的。毕竟,又是一个秋高气爽的季节。
**自己说过要打理这个Space,不能光说不练啊。
October 12
Just heard about MSN spaces.
Start to work with it when I have time.