耗费心血岁月，去赚这辈子永远也用不着的金钱，是蠢事。作者: 章凝 时间: 2023-1-20 12:13 “在我年轻的时候，我认为金钱是人生中最重要的东西。现在我老了，明白确实如此。”（王尔德）(“When I was young I thought that money was the most important thing in life. Now that I am old, I know that it is.” by Oscar Wilde)
The phrase 'If something can be solved with money, it's not a problem' is quite popular, and for good reason. The more money you have, the less you need to rely on others, and the less you have to be humble. This is one of the great things about money. For anything that can be solved with money, it bests not to ask for help from others or to try to save money by burdening others. If you can do this, you will have a stronger sense of self-respect. When I was a student, there was a relatively wealthy co-worker who humbly asked everyone to help him move, just to save a few bucks on hiring workers. It was contemptible and unbecoming.作者: 章凝 时间: 2023-2-20 20:18 人人爱钱，人人骂钱，钱比窦娥还冤。三种人骂钱骂得最凶，一为没钱却爱钱者，二为有钱扮高雅者，三为耶稣佛陀类。后者为真骂，可世上有几个耶稣佛陀？
Everyone loves money, everyone curses money, and money is even more unjust than Dou E (a character from a Chinese play who was wrongfully executed). Three types of people curse money the most: one for those who do not have money but love money, the second for those who have money to play elegant, and the third for Jesus Buddha class. The last type of criticism is genuine, but how many Jesus and Buddhas are there in the world?作者: 章凝 时间: 2023-2-22 20:12 90年代中获得首份IT专业工作的前几年，我从事过以下工作，或全职或兼职：学校机房前台、访问学者助理、不良于行者看护、中文私教、募捐收款人、庭院工、多家餐馆外卖员/侍者助手/侍者/收银员、多家汽车销售员、墓地销售员、出租车司机。回忆起来，感觉有些厉害。
In the years leading up to my first professional IT job in the mid-1990s, I worked in various full-time or part-time positions, including computer lab helpdesk, visiting scholar assistant, caregiver for handicapped, Chinese tutor, fundraising collector, yard worker, delivery driver/busboy/waiter/cashier for multiple restaurants, taxi driver, cemetery plot salesman, and car salesman for multiple dealerships. In retrospect, I think I was a tough guy.作者: 章凝 时间: 2023-2-24 15:18 商品首要在质量，其次为价格，而牌子则更次。酷爱名牌奢饰品的消费者按心理分析看，是对自己这个人缺乏某种自信，所以需要用名牌来弥补，去穿用给他人看。实则有些可怜。好在我们没有这个问题，母亲妻子女儿都是不慕虚荣的女性。
Quality is the foremost consideration when it comes to goods, followed by price, with brand being of lesser importance. Consumers pursuing luxury brand products are, from a psychological perspective, lacking in a certain self-confidence and thus need to compensate by using brand-name products to impress others. It's pitiable. Fortunately, we don't have this problem. My mother, wife, and daughter are not vain women.作者: 章凝 时间: 2023-2-25 23:30 四种人生，必居其一：一有钱有欢乐，二有钱没欢乐，三没钱有欢乐，四没钱没欢乐。有钱没钱乃相对，如果说再无需为五斗米折腰即可称有钱，那么我现在就是有钱有欢乐。感谢主！
Four kinds of life, must live in one of them: one rich with joy, two rich without joy, three poor with joy, four poor without joy. Rich or poor is relative. If we don't have to worry about making a living, we can consider ourselves rich. I am rich and joyful now. Thank you, Lord!作者: 章凝 时间: 2023-2-28 16:42 穷人羡慕富人没问题，富人鄙视穷人有问题。穷人不要由妒生恨，富人不要为富不仁。做到都不易，还是中产最潇洒独立。
It's understandable for the poor to envy the rich, and it is bad for the rich to despise the poor. The poor should not turn their envy into hatred, and the rich should not live without compassion and benevolence. Achieving both is not easy, so the middle class is the most relaxed and independent.作者: 章凝 时间: 2023-3-1 22:18 “要时时刻刻为生计操心，世界上再也没有什么比这更丢脸的了。那些视金钱如粪土的人，我就最瞧不起。他们不是伪君子就是傻瓜 …… 钱能够给我带来世上最宝贵的东西 — 不求人。想到现在只要我愿意，我就能够骂任何人滚他妈的蛋，真是开心之至！”（毛姆）这位先生看来和我一样穷过，对金钱有基本认识，且不是一个伪君子，但他过于激愤了，为生计操心并不丢脸，不然世上绝大多数人都无地自容了。
"Having to worry about making a living all the time is the most humiliating thing in the world. Those who treat money like dirt are the ones I despise the most. They are either hypocrites or fools. ... Money can bring me the most precious thing in the world: independence. It's such a joy to think that now I can tell anyone to go f**k themselves if I want to!" (Maugham) This gentleman appears to have experienced poverty like me and has a basic understanding of money. Of course he is not a hypocrite, but he is too agitated. There is no shame in worrying about making a living; otherwise, the overwhelming majority of people in the world would have no self-respect.作者: 章凝 时间: 2023-3-6 15:57 “囊中羞涩捉襟见肘，虽还没到入不敷出的份上，却是远低于贫困线的预算平衡，月月光，月头吃肉月底喝汤，小日子过得比勒到了最后一个扣眼的裤腰带还紧三分。为了渡过眼下这艰难岁月，夫妻俩商议出一句持家经典名言：能不买的东西绝对不买，不得不买的东西买最便宜的。平日里常常打趣着相互提醒。”（《圣诞树》）
"Shyness in the pocket is stretched to the limit, although not to the point of not making ends meet. Our monthly income barely balances out our monthly expenses, with the living budget far below the poverty line. Month after month, we eat meat at the beginning and drink soup at the end. Our days are spent pinching pennies tighter than the last buttonhole on a pants belt. In order to tide over these difficult years, the couple comes up with a classic household saying: Rule number one: 'Never buy anything that isn't necessary," and rule number two: 'Always buy the cheapest if you have to buy'. We often jokingly remind each other on weekdays." (From "The Christmas Tree")作者: 章凝 时间: 2023-3-8 18:08 有了物质，未必就有精神；没有或缺乏物质，更不易有精神，乞丐普遍没富翁精神，地主比长工更精神。故而物质是精神的基础，精神是物质的产物。而物质等同于财富。说穿了既让人沮丧，又令人难堪，但却是严酷的事实，贯穿古今中外。
Possessing material doesn't necessarily mean having spirit; lacking material makes it even harder to have spirit. Beggars are generally not as rich in spirit as the wealthy, and landlords are more spiritual than slaves. Therefore, matter is the foundation of spirit, and spirit is the product of matter. Material possessions are equivalent to wealth. Putting the reality bluntly is both frustrating and embarrassing, but it is the harsh truth that applies throughout history and across cultures.作者: 章凝 时间: 2023-3-10 21:25 幸福有限，悲苦无边。穷人的悲苦远过富人的幸福！
Happiness is limited, misery is boundless. The misery of the poor far outweighs the happiness of the rich!作者: 章凝 时间: 2023-3-15 14:00 房屋买卖建议：首先确定目前市场走向，是向上还是向下，极其重要！切记！
（1）市场向上：尽早买，尽晚卖，最好不卖。换房绝不先卖后买，而要先买后卖，或同时进行。
（2）市场向下：尽早卖，尽晚买。换房绝不先买后卖，而要先卖后买，或同时进行。
听说过很多伤心的买卖故事，希望你不是下一个。
Real estate buying and selling advice: First, it's extremely important to determine the current market trend, whether it's going up or down. Remember this! (1) If the market is going up: buy as early as possible, sell as late as possible, and ideally, don't sell at all. When switching houses, never sell before buying, but rather buy first and then sell, or sell and buy synchronously. (2) If the market is going down: sell as early as possible, buy as late as possible. When switching houses, never buy before selling, but rather sell first and then buy, or sell and buy synchronously. I've heard many sad stories about buying and selling houses, and I hope you won't be the next one.作者: 章凝 时间: 2023-3-18 22:08 为什么我要和你们分享我在投资市场上失败与成功的经验？因为市场上傻瓜多了，那些精明的投机客和幸运儿就从傻瓜身上赚钱了。不幸的是，市场上总是傻瓜多聪明人少，只有当傻瓜少聪明人多了，才有可能相对公平，即使永远不可能绝对公平。
Why do I want to share with you my experiences of failure and success in the investment market? Because there are too many fools in the market, and those cunning speculators and lucky ones make money from them. Unfortunately, there are always more fools than smart people in the market. Only when there are more smart people than fools will the market be relatively fair, even though it will never be absolutely fair.作者: 章凝 时间: 2023-3-20 21:54 发财，失财，全在一个“贪”字。处理好了，就是发财；处理不好，就是失财。如何是好？简而言之，大而化之：贪可，过贪不可。
Making a fortune or losing it all comes down to the word "greed". If you manage it well, you will make a fortune; otherwise, you will lose it. How to manage it well? In short, the big picture: greed can be, overgreedy not.作者: 章凝 时间: 2023-4-28 22:30 财富与人品的关联是一个复杂且敏感的课题。穷人和富人哪个更良善？哪个更多罪恶？答案是没有明确答案：质朴的穷人到处都有，做慈善的富人亦常见；穷凶极恶者不少，为富不仁者也多，人心同等黑暗险恶。但总体而言，穷人比富人更危险，更加不可预测。富豪区比贫民区更安全，不言而喻吧。
The relationship between wealth and character is a complex and sensitive subject. Which group of people is more virtuous, the poor or the rich? Who commits more sins and crimes? There is no straightforward answer. Simple and honest people exist among the poor and wealthy alike, as do those who give generously to charity. Conversely, both the poor and the rich can also exhibit extreme wickedness and unscrupulous behavior. The human heart can be dark and sinister regardless of wealth. However, as a general trend, poor people may pose greater risks and be more unpredictable than their wealthier counterparts. It is widely recognized that affluent neighborhoods tend to be safer than those with lower economic status.作者: 章凝 时间: 2023-7-15 16:06 “俗话说贫贱夫妻百事哀，我们不是清教徒，自然也莫能例外。但在哀伤之余，我们也努力苦中作乐穷里寻欢，钓鱼、打网球、玩电脑游戏。不知道是相信慈悲的上帝对我们的前程定有合理安排，还是信奉车到山前必有路，老天爷饿不死瞎眼的鸟，反正我们愁眉苦脸唉声叹气的次数有限。”（《圣诞树》）作者: 章凝 时间: 2024-10-18 21:08 世俗智慧：穷勿哭穷，富勿炫富。哭穷丧志，炫富招恨。作者: 章凝 时间: 2024-10-27 22:19 说出不来不怕被笑话，从小到大、到老，我的衣服很少有超过一百美元的，鞋子好像也只有一双，就是最近网购的阿迪达斯网球鞋，网球上越来越舍得投资，谁知道还能打几年，身体如果出现伤病比如网球肘什么的，就可能永久告别这项心爱的运动，再不投资就没机会了。我较好的一些衣服，大都是在减价时买的，买到就是赚到，赚到穿着舒服。衣服不求名牌，只要合身不土就好。作者: 章凝 时间: 2024-11-4 21:13 金钱买不来幸福，这话被人说滥了。作为一种还算积极的阿Q精神，不要反对任何人宣扬和信奉。但是，严酷的现实却是：金钱不但可以买来幸福，而且是幸福的重要源泉之一。我有钱的时候可比没钱的时候幸福得多，虽然没钱的时候年轻，有钱的时候已年长。有钱的感觉确实美妙。作者: 章凝 时间: 2024-12-8 21:53 有了物质，未必有精神；没有或缺乏物质，更不易有精神，毕竟第欧根尼几千年才出一个。作者: 章凝 时间: 2025-2-12 09:58 我爱金钱的最大理由是我曾贫穷过，贫穷让人生与生命愈发没有意义。还是那句话：毕竟第欧根尼几千年才出一个。作者: 章凝 时间: 2025-3-12 11:28 世界上最大的，拥有信徒最多的宗教不是天主教、基督教、伊斯兰教、佛教、无神教、科学教，等等。
