why negative interests

vox:

negative interest rates are a simple case of supply and demand.

If there isn’t much demand for buying the bonds, the interest rate has to go up to make customers more willing to buy. If there’s a lot of demand, the interest rate will fall.

European investors are reluctant to invest in risky, but potentially high-yielding ventures.

European governments are very reluctant to increase the supply of debt available.

while Denmark’s economy looks pretty similar to the economies of Eurozone members like Finland, Germany, or the Netherlands, it’s much stronger than Greece or Portugal or Slovenia.Because of that strength, foreign investors have the notion that in the long-term, the value of the krone is likely to go up relative to the value of the euro. If you think of buying Danish bonds as a currency play, then buying them at negative interest rates can make sense.

why buy? safety. putting money in bank or government is safer than other-where. to a degree it’s even worthwhile to pay for the safety.

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negative interests

zero hedge: A Denmark bank will pay Eva Christiansen, left, $1 a month for taking out a loan. Ida Mottelson’s bank will charge her to hold her money. These are strange times for European borrowers, as if a wormhole has opened up to a parallel universe where the usual rules of financial gravity are suspended. Investors lent Germany nearly $4 billion this week, knowing they would not be fully repaid. Bonds issued by the Swiss candy maker Nestlé recently traded in the market for more than they will ever be worth.

今天进了两个球

中午pickup。估计也就踢了半个多小时。

队友发边线球,把球抛给我,有一个后卫上来盯防。我也不知道怎么把球就停到脚前了,也没弹起来,也没滚远。这时另外一个防守队员上来。我没有等待,直接左脚打门。球进了。

第二个球比较简单,同伴传到了门前。我在后面包抄直接把球推进去了。

其实昨天也有一个类似的机会,但是当时一紧张,打了飞机。后来想想,这种球不用很大力气。轻轻弄一下就可以。也不会打飞。

今天看了一下布斯克茨的集锦。觉得以后可以拿他做榜样。他是巴萨里面最不起眼,人气最不旺的人。不过干活勤勤恳恳,能贯彻教练意图,踢球聪明。瓜迪奥拉和博斯克都说如果要做球员,就做布斯克茨这种。

看他集锦觉得有两点,第一不轻易把球破坏出去,尽量传给队友。第二在抢断前就已经注意到队友的位置了。第三对方上来时把球往后一拉一拨就把对方过了。拉球这个动作用的很多。很管用。对方上来离得很近。把球拉一下还可以拉出传球线路。

今天中午还有一个漂亮的过人,赢得众人称赞。感觉真不错。这一招其实是昨天看球学到的。发现阿森纳很多中场队员都用这个动作。就是对方从右边过来抢断时,右脚横向外拨。这样对手被过掉后完全没有机会回头再抢。

现在每次踢完球都反思反思。想想几次失败的传球或者接球或者被断或者射门。尽量下次踢球避免。争取整场比赛失误最小化。

买了双鞋

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原价100,当时很犹豫,不想买,我说我以为65。架子上那个7号的鞋写的就是65。老板娘说可以给你15%discount。

我还是觉得贵。我说我得回去跟老婆商量下。然后老板过来说80吧。

我还是不想买。上网查价格。这个时候老板又过来,跟老板娘说了几句。老板娘按了个键,价格变成75。都给这么多折扣了,而且之前麻烦了他们好几次。再不要就不好意思了。

后来查出来发现网上价格就是100。65是小孩的尺码,7号或者以下。我这个是9.5号。

还买了个打气筒。不到十块。不比网上贵。真不错。上次回去带了个球过来,但是放了气。房东没气筒,踢球的哥们没带气筒,教练也没带。干脆自己买了。

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本来打算去big5买打气筒的。觉得太远不愿意跑。虽然开车也就十分钟。后来查到这家soccerkraze,走路就能到。后来也走了10分钟。

老板夫妇是墨西哥人。

现在对墨西哥人很有好感。很勤劳。特别是上次听judy说排队领免费食物的没有墨西哥人之后。而且墨西哥人也是黄皮肤。

今天就打算穿着新球鞋睡觉了。

今天7点25到办公室

早上6:30出门,6:40的车

7:10就到campus了

坐到最后一站,找了个自行车,骑到时发现有更近的路

如果早点下车,7:20到办公室应该没问题

所以这样的话可以坐4点多班车回家,到家5点

以前在dol7点20出门,9点到办公室,5点回家,晚上6:20到家看起来也差不多

昨天中午在公司看冠军杯,一个起码60寸大电视,旁边四个小电视,同时直播两场,感觉真是爽。好久没有在电视上看球赛了。高清而且不卡。

前天中午踢了pickup,12点出门,1:10踢完去jia餐厅吃饭,吃完饭就在那边洗个澡。今天中午打算再去。基本上就是跑跑,防守。拿球不带,直接找人传。能一脚传出去绝对不用两脚。这样受伤的机会应该比较小。

in-debt americans

the economic collapse:

  • 24 percent of all Americans have more credit card debt than emergency savings.
  • in additional 13 percent of all Americans do not have any credit card debt, but they do not have a single penny of emergency savings either.
  • approximately 62 percent of all Americans are living paycheck to paycheck.
  • Adults under the age of 35 in the United States currently have a savings rate of negative 2 percent.
  • 52 percent of all Americans really cannot even financially afford the homes that they are living in right now.
  • 40 percent of Americans could not come up with $2000 right now without borrowing it.

今天又被重组了

来之前被重组过

现在又被重组

不知道都是谁做的决定

除了现在的manager和将来的manager,还有谁呢?

也不知道重组后会做什么,谁决定

本来以为wm走我会take over他的东西,而且昨天早上还跟manager聊过这方面,manager希望我做更ambitious的东西,当时还雄心壮志

一天的功夫,下面要做什么一下子变得不确定了

等老板滑雪回来了解了解情况吧

无论如何,都是神的祝福