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From dream to details

2012-06-12

这是个谈梦想谈到烂的时代。可以确信有些人的梦想他自己都解释不清楚更别提去实现他。但是如今各个方面给出的信息都是要坚持梦想要有激情，于是好似你拿不出个梦想来就是很丢人的事情。可是大多数人的梦想应该只是个趴满尘土的标语。仍记得那句话，梦想不是忘乎所以无所顾忌的借口。更不该是停滞不前的遮羞布。

这本记事本圆梦计划写的简单易懂，只是说文笔内容方面是不见长的，但是道理都说出来了。而且这些道理是大家都懂得。

首先每个人都希望能够有更好的未来，希望自己是很多人羡慕的成功人士，是自己专业的大牛，能够让家人过上很好的生活...这些很好，因为没有梦想就没办法美梦成真的。但是有了这些梦想后呢，往电脑前一贴就没然后了...这就是个悲剧。

作者给出了他从一个没学历没背景的穷小子变成一个企业家的一步一步轨迹。他将自己的梦想写出来，然后将要实现这些梦想的必须经历的过程一一列出并给出实现的日程，经常拿出来翻阅当然就能够给自己以激励。时刻提醒自己不能忘记梦想不能够停止进步。

这是大的方向，然后对于平常生活中的工作生活的细节也会有非常精细并条理的记录，待办事项，需要注意的问题，有感悟的话语，有价值的资讯都会分门别类的清楚记录。

当然每个人的习惯并不尽相同，作者只是给出了自己的方法和建议。但是有一点是肯定的，如果有梦想而不去管理自己的梦想实现的细节的话最终也只能一事无成。记事本圆梦，一起行动吧！

Chic is an attitude

2012-06-13

此书看了N久之后，终于一咬牙高价购入原版。入手之后很是喜欢。

与其说作者教给大家的是如何穿衣打扮倒不如说是告诉大家生活应该持有什么样的态度。

关于穿衣当然是要有自己的风格，不能随波逐流。混搭，穿的舒服，乐于发现新的牌子是一个不能少的。穿衣可以自成一派并不一定非得按照什么程式而来，你穿的大方自信也许你就能成为icon。舒服很重要，一句金玉良言是“quality over quantity”每次看见路边小姑娘穿着一步三歪的高跟鞋无论整体怎样还可以都觉得是个纠结的个体。同时也不要迷信大牌，那些牌子也并不是适合所有人所有场合的，我们所需要的应该是自己所能支付范围内最适合我们自己的。在身材方面，当然能够拥有作者或是她女儿那样的身材肯定是好的，但每个人自成一派各自选择自己适合的样子确是很好的。同时请谨记这句“effortless style”--all you really need is loads of self-confidence... and a smile.

然后作者还介绍了一些自己经常会光顾的一些衣服的店，各自风格不同也会营造出不同的风格来。另外，在选购时也不能掉入程式中，只要是适合自己的哪怕是小号男装亦或是大号童装又有什么不可以呢？

后面作者也用大篇幅介绍了她自己喜欢的museum，cafe，restaurant， bookstore... 但是不要误会，作者本来也没在标题注明说是穿衣圣经啊。一个人品味体现在穿衣，读书，饮食，旅游，艺术等诸多方面。本来生活的 chic 最重要的题目应该是爱自己，让自己生活的完满精彩途径很多，我们用不着也不可能完全循着作者的轨迹，但是这样的态度的确是值得借鉴的。

读书笔记

2012-11-07

企业经理人需要坚持的五大神功：
1. 坚持——财务报表的核心价值是实践“课责性”
2. 活用财务报表分析的两个方法：“呈现事实”及“解释变化”
3. 确实掌握企业的三种活动：经营(operating), 投资(investing)与筹资(financing) 及其互动关系
4. 深刻了解四分财务报表透露的经营及竞争讯息：资产负债表，利润表，现金流量表，与所有者权益（或股东权益）变动表
  资产负债表（balance sheet）：资产=负债+所有者权益。资产负责表是了解企业财务结构最重要的利器
  利润表（statement of income）：净利润（net income）或净损失（net loss）等于收入扣除各项费用。利润表是衡量企业经营绩效的最重要依据。
  现金流表（statement of cash flows）：它既是某特定期间内，组织的现金如何因经营活动，投资活动及筹资活动发生变化。现金流量表是评估企业能否持续存活及竞争的核心工具
  所有者权益（或股东权益）变动表（statement of stockholders' equity）：某一特定期间内，所有者权益（或股东权益）如何因经营的盈亏（净利或股价），现金股利的发放等经济活动而发生变化。它是说明管理阶层是否公平对待股东的重要信息。
5. 加强领导者必备的五项管理修炼：形成愿景（visioning），分析现况（analyzing），协调利益（relating），尝试创新（inventing），激励赋能（enabling）五项核心能力。

搞懂资产负债表的基本原理：
资产负债表达的是会计主体（entity）在特定时点的财务状况，会计主体指的是组织或组织的某一部分，它死可以独立衡量其经济行为的单位。
资产负债表基本架构即会计等式（account equation）：资产=负债+所有者权益
资产（asset）：公司所拥有，能创造未来现金流入或减少未来现金流出的的经济资源
创造未来现金流入：例如货币资金（能取得利息），存货（能通过销售得到现金），投资性房地产（能得到租金），设备（能制造货品以供销售）
减少未来现金流出：例如预付房租，保险费等各种预付项目，由于已预付清，未来可享受居住服务及保险保障，不必再付现金。

负债（liabilities）
指的是公司对外在其他组织所承受的经济负担，例如应付及预收款项，应付职工薪酬，长期借款等。负债也包括部分的估计值，例如公司需要估计法律诉讼案所造成的可能损失。

所有者权益（shareholders’ equity）
指的是资产扣除负债后，由公司所有者享有的剩余权益，又称“净资产”或“账面净值”

会计等式右边代表资金的来源（source of fund）。负债与所有者权益相对比率一般称为“财务结构”。负债越多，财务压力越大，越可能面临倒闭危险。
会计等式左边代表资金的用途（use of fund）。资金可以用各种形式的资产拥有，例如货币资金，应收及预付款项，固定资产等
一般而言，比较不好的资金搭配方式，是短期的资金来源投资在中长期才能回收的资产上（所谓“以短支长”，）这样容易造成周转失灵

资产：流动资产（current asset）
        货币资金（cash and cash equivalent）
        应收账款（receivables）
              存货（inventory）
              土地，厂房，设备
              融资租赁资产
              商誉
       负债部分：流动负债（current liabilities）
                  商业本票（commercial papers）
                  应付账款（account payable）
                  预计负债（accrued liabilities）
                  长期负债（long-term debt）
                  长期融资租赁负债（long-term obligation under capital leases）
                  递延所得税负债（deferred income taxes）
       所有者权益：普通股本（common stock）
                    溢价（capital in excess of par value）
                    保留盈余（retained earning）

在资产负债表中看出企业竞争力：
1. 衡量企业是否有能力支付短期负债，经常使用的指标是“流动比率”（current ratio）。流动比率的定义：流动比率=流动资产/流动负债。流动比率显示企业利用流动资产偿付流动负债的能力，比率越高，表示流动负债受偿的可能性越高，短期债权人越有保障。一般而言，流动比率不小于1，是财务分析师对企业风险忍耐的底限。
2. 观察一个公司财务结构是否健全，可由下列几个方向着手：
- 和过去营业情况正常的财务结构相比，负债比率是否有明显恶化的现象
- 和同业相比负债比率是否明显偏高
- 观察现金流量表，在现有的财务结构下所造成的还本及利息支付负担，公司能否产生足够的现金流量作为应对

收入（revenues）：一般指企业营业活动所提供的劳务或商品收入。
净销售（net sales）: 净销售-=销售收入-销售退回与折让-销售折扣
销售退回是指因卖出的商品有问题，被客户退货的金额；销售折让是指卖出的商品有问题客户要求将售价降低，退还部分货款，由此产生的收入减少金额；而销售折扣则是指销售时希望买方早点支付现金而给予折扣，因此导致收入减少的金额
其他收入（other revenues）：利息，租金收入等

成本与费用（cost and expenses）：在营业活动中，公司提供劳务或商品的相关成本
销售成本（cost of sales）:指当期出售商品的进货成本。
销售成本的计算因存货评价制度的不同会产生相当大的差异。

营运，销售与管理费用（operating, selling, general and administrative expenses）:指除了销售成本之外，营运销售（如运输成本，广告费用等）及管理费用（水电费，管理人员薪资）等项目

营业利润（operating profits）:销售毛利减去营业费用就是营业利润，她表达整体营运活动的利益，但不代表公司年度的总利润。
利息费用（interest expenses）：指短期商业本票及长期负债等产生的利息费用。
所得税费用（income tax expenses）: 商业活动所得税费用
少数股东损益（minority interest income）：在编制合并报表时，子公司股东权益中不属于母公司直接或间接持有的部分。
继续经营部门净利（profits from continuing operations）:营业利润减去利息，所得税费用和少数股权利益后的净利润。这个数字是公司核心事业的活力衡量，也是绩效评估的重点。

资产周转率：营收/总资产（总资产可以定义为平均资产或期末资产）
存货周转率：销售费用/期末存货金额，存货周转率越高，代表存货管理的效率越好，可以用下较少的存货创造较高的存货售出量（以销售费用代表采购成本）

资产只会变坏，不会变好
负债通常不会变坏
管理资产减损才是重点

盈余品质一般由五项条件构成：盈余的持续性（persistence）越高，则品质越好；盈余品质的可预测性（predictability）越高，则品质越好；盈余的变异性（variation）越底，则品质越好；盈余转换成现金的可能性（realization）越高，则品质越好；盈余被人为操纵（manipulation）的程度越低，则品质越好。

The power of less 读书笔记

2012-11-26

这本书英文难度很适中，我这种菜鸟读来都没有太大困难。然后道理很浅显，不过适用度还是蛮高的。不过老美写书是都套用一个模子吗，怎么好几本书到结尾处都是一个论调呢。
Anyway，大道理上还是借鉴度很高的。

以下读书笔记
There has never before been an age in which we could get so much done so quickly. There also has never before been an age in which we were so overwhelmed with information and tasks, so overloaded with e-mails and things to read and watch, so stressed by the incredible demands of our lives. Stressful and wasteful!
Why the less? Finding calm in the chaos, come down to making choices.
Six principles:
<1> set limitations:
Benefits: simplify things; focus you; focus on what’s important; help you achieve; show others that your time important; make you more effective;
Ways: analyze your current usage levels and pick a lower limit based on what you think would be ideal——> test it out for a week, and then analyze whether that’s working for you——> if it doesn’t work , adjust to a new level you think might work better, and test that out for about a week ——>continue to adjust until you find the right level and until you make it a habit

<2> choose the essential
Questions: what are your values?
          What are your goals?
          What do you love?
          What is important to you?
          What has the biggest impact?
          What has the most long-term impact?
          Need vs. wants
          Eliminate the nonessential
          Continual editing process
Apply the questions:
The list of questions above is a good way of determine which things are essential to you if you’re having difficulties, no matter what area of your life you’re examining.
Life commitments
Yearly goals
Work projects and tasks
E-mails
Finances
Clutter
Regular review

<3> simplify----eliminating the nonessential

<4> simple focus
Focus on less to become more effective.
    Focus on a goal
    Focus on now
    Focus on the task at hand
    Focus on the positive

    Single-task:
    First thing in the morning, work on your most important task;
    When you are working on a task in a time block, turn off all other distractions.
    If you feel the urge to check your e-mail or switch to another task, stop yourself.
    If other things come in while you’re working, put them in your in-box, get back to the task at hand
    Take deep breaths, stretch, and take breaks now and then.

    How to focus on the present
    When you eat, just eat
    Be aware
    Be gentle
    Exercise
    Daily routines
    Put up remainders
    There is no failure
    Keep practicing

<5> create new habits, and the power of less challenge
    ⅰ select one habit for the challenge
    ⅱ write down your plan
    ⅲ post your goal publicly
    ⅳreport on your progress daily
    ⅴcelebrate your new habit
    Rules:
    Do only one habit at a time
    Choose an easy goal
    Choose something measurable
Be consistent
Report daily
Keep a positive attitude

<6> start new habits in small increments to ensure success
    Why: it narrows your focus
         It keeps your energy and enthusiasm going for longer
         It’s easier to handle
         You ensure success
         Gradual change is longer –lasting
    How: exercise
         Waking early
         Productivity
E-mail effectiveness
Healthy eating
A major project
Decluttering
Practice

<7> Simple goals and projects
One goal system:
Choose a goal break it down to a sub-goal weekly goal daily action
Focus on completion:
Have an outcome in mind
More from projects to tasks
Each day, choose a task to move you to completion
Reassess your progress

<8> simple tasks
Most important tasks (MITS)
The keys to making MITs work for you:
 Set them first thing in the morning
 Limit yourself to three
 Ensure that one MIT is goal-related, or related to one of your top three projects
 Focus on accomplishing these tasks above all others
 Do your MITs early in the day, before you do anything else
 When you do one of your MITs, be sure to single-task focus on that task only
Small tasks:
Small tasks are always better than large ones

<9> simple time management
An open approach
1. Choose a task you’re passionate about
2. Choose a task that’s challenging
3. Eliminate distractions
4. Immerse yourself in the task
Know your priorities
Reduce your tasks
Batch processing
Simple time management tools
Calendar; paper notebook or text file;

<10> simple E-mail
     Limit your in-boxes
     Limit your time in E-mail
     Reduce your incoming stream
     Process to empty
     Write less

<11> simple internet
     Awareness: track your usage
     Consciousness: make a plan
   Focus: learning to work while disconnected
   Discipline: how to stay away from distractions

<12> simple filing
     Creating a simple filing system:
1. Reduce before organizing
2. Simple filing
3. File immediately
4. Have materials on hand
5. Reduce your needs over time
Store reference information online
Reduce incoming paper
Stop printing stuff
Analyze other incoming docs
     Home paperwork tips
1. Create one “mail center” in your home for dealing with your mail and incoming paper
2. Home in-box
3. Pay bills immediately
4. Enter stuff into your to-do list or calendar
5. File immediately

<13> simple commitments
     The demands of commitments
     Take inventory of your commitments
     Make a short list
     Begin eliminating the nonessential
1. Start with something small
2. Call or e-mail to send your regrets
3. Eliminate the commitment from your appointment
4. Repeat this process
Learn to say “no”
First, be aware
Consider your short list
Be honest
Be firm
I wish I could
Don’t be sorry
     Making the time for what we love
1. First, make a list of things you truly want to do
2. Eliminate as much of the rest of the stuff as possible from your private life
3. Schedule your free time so that you’re doing the things on your short list
Tips for simplifying your personal life
 What’s important
 Examine your commitment
 So less during your days
 Leaving space between tasks or appointments
 Now, slow down and enjoy every task
 Single-task
 Eliminate stress
 Create time for solitude
 Do noting
 Sprinkle simple pleasures throughout your day
 Practice being present
 Free up time

<14> simple daily routine
     The power of a morning routine
 You can prepare for your day and set your goals
 You can get in exercise, reading, writing, or other things you normally don’t have time for
 You can do something enjoyable, calming, and relaxing
How to establish routines
1. Focus on them
2. Make them rewarding
3. Log your progress

<15> declutter your work place
     Benefit:
1. It allows you to focus
2. It gives you a Zen-like sense of calm
How to get started
1. Set aside a little time
2. Take all the paperwork off the top of your desk and put it in a big pile
3. Clear everything off your desk except your computer
4. Start with the pile of paper
5. Work for as long as you can, then schedule another block of time when you can do another chunk of papers or other items
Getting down to the essentials
 If you’ve got folders or stacks of paper on or around your desk, process them and pu them away as in the previous section listing them on your projects or actions lists, and filing them out of sight
 Get rid of distracting knickknacks, posters, pictures, etc
 Take everything out of a shelf or drawer at once
 Sort through your pile, one item at a time, and make quick decisions
 Papers? Be ruthless, unless it’s important
 If you are on the fence with a lot of things, create a “maybe” box
A system to keep things decluttered
1. Keep an in-box for incoming papers
2. Once a day, process the in-box to empty
3. Have a place for each item and type of paper
A simple home
1. Less stressful
2. More appealing
3. Easier to clean
How to keep your home simple
 Designate a home for everything, and be fanatic
 Schedule regular decluttering sessions
 Reduce your desires for more
 Thirty-day list
 Change your habits

<16> slow down
     Slow attention
 Pick a simple task to start with
 Practice this method throughout your day, no matter what you’re doing
 If you’d like to try a very restful morning practice, try a simple meditation technique
Slow working
1. Choose a work you love
2. Choose an important task
3. Make sure it’s challenging, but not too hard
4. Find your quiet, peak time
5. Clear away distractions, and focus
6. Enjoy yourself
7. Keep practicing
8. Reap the rewards
Slow eating
1. Lose weight
2. Enjoy your food
3. Better digestion
4. Less stress
5. Rebel against fast food and fast life
Slow driving
1. Save gas
2. Save lives
3. Save time
4. Save your sanity
5. Simplify your life
Play relaxing music
Ignore other drivers
Leave early
Brainstorm????
Keep to the right
Enjoy the drive

<17> simple health and fitness
1. Forming the exercise habit
Start lightschedule your workout timedon’t allow yourself to miss a daydon’t give upget a partner if you canbe accountable to othersenjoy yourself
2. Making gradual heath diet changes
Eating when you’re lightly hungry eat light food eat slowly eat slowly eat until you’re lightly full
3. Continuation, short-term goals and accountability
Continue to gradually increase exercise, adding variety
Continue to eat healthier, also adding variety and flavor
Set short-term goals
Hold yourself accountable
Reward yourself
30 exercise motivations
1. How you fell after a workout
2. Time for you
3. Calories burned
4. Having fun
5. How you’re going to look
6. Magazines
7. Cover models
8. Blogs
9. Success stories
10. Forums
11. Fitting into new clothes
12. Being attractive
13. Adrenaline rush
14. Stress relief
15. Time for contemplations
16. A workout partner
17. An exercise class
18. A coach or trainer
19. An exercise log/graph
20. Your before picture
21. A 5K race or triathlon
22. The dread of feeling “yuck” form not exercising
23. Living long enough to see your grandkids
24. The scale
25. Reaching a goal
26. Posting it on your blog
27. Motivational quotes
28. Books
29. Others commenting on how good you look
30. An upcoming day at the beach, or reunion

<18> motivation
     8 ways to motivate yourself from the beginning
1. Start small
2. One goal
3. Examine your motivation
4. Really, really want it
5. Commit publicly
6. Get excited
7. Build anticipation
8. Print it out , post it up
20 ways to sustain motivation when you’re struggling
1. Hold yourself back
2. Just start
3. Stay accountable
4. Squash negative thoughts and replace them with positive ones
5. Think about the benefits
6. Get excited again
7. Read about it
8. Find like-minded friends
9. Read inspiring stories
10. Build on your success
11. Just get through the lw points
12. Get help
13. Chart your progress
14. Reward yourself often
15. Go for mini-goal
16. Get a coach or take a class
17. Never skip two days in a row
18. Use visualization
19. Be aware of your urges to quit, and overcome them
20. Find pleasure again

an incredible innovative geek but genius

2014-04-01

乔布斯去世时，很多人说这是一个时代的结束。他的粉丝们愈发抱着苹果产品不放，另一些起先并不了解的人也开始凑热闹。他去世那天同事就把Steve jobs 这本书的英文版转给了我，作为一个穷人，的确很敬佩苹果设计但也只是止于敬佩，未能到达消费的能力同时也未了解其精髓。
后来iPhone在中国成了街机，iPad成了玩具，似乎你想不知道苹果都难。去年的时候原来的手机罢工，于是趁机买了号称老乔封山之作的4s。一个传奇人物的离世总会给人一种无法着落的失意感，总觉得无论后来人怎么努力也不会再现传奇。IOS7问世时，很多人失望，新的界面彻底抛弃了之前的立体效果，后续的升级版本也在不断颠覆。也许苹果新的领路者正在寻求一个新的方向。同时三星手机似乎异军突起，各种的漂亮惊艳做足了表面功夫，似乎憋足了劲儿就是要盖过苹果。也听说过在其某些内部赛事上，有安卓小机器人一口一口吃掉苹果的“豪情”，但私以为，三星的拉网式宣传却未能为他挣得铁杆粉丝，普通用户会因为其一时火爆多些关注，同样也会在用户体验不足时转投别家。自己没有用过三星产品，但所有用过的朋友都会说用户体验不佳，寿命和性价比都不过如此。
前些年乔布斯传似乎一直是畅销书，大家对于成功与成名的渴望似乎从未消解，都渴望能从那些名人身上得到真传。小的时候我也喜欢读名人传记，后来才慢慢觉得那些其实大多数只是一个被粉饰的名人历史而已，同时大多数的成功都不是可以复制的。所以那本英文书在我电脑里放了很久。
最近是电脑里没什么可看的书了，于是翻出来每天读几页。400多页大概读了两个月。此书倒是没有粉饰，甚至都没有柔化事件，只是叙事而已（又或者读英文，我根本就读不出粉饰和柔化）。
其实让我惊奇的是，乔布斯本人是本身是个rude，不爱干净，对于物质的渴望也并不高的人，但他在产品设计时却时时要求一定要力求simple and elegant，这对于一个从旁查看的观众来说这无疑是一个思维落差。另一个很惊奇的地方就是，他作为一个大学肄业者，其实并不是major in electronic，material or design，所有他的创造其实都是来自与自己的灵感以及强迫自己的同事去完成这样的需求。最无法置信的是这样做出来的东西真的就是顾客所喜欢且需要的。想想如果真的非得说他major in something的话，我想最准确的应该是major in innovation。
另一个惊奇的地方是乔布斯对于每个产品的研发都是掌握到every detail。包括，设计硬件软件界面无所不至。乔布斯作为很早就开始认识并开始做产品的硅谷geek，无疑身边拥有最精英的力量，但对他来说最重要是是做出最完美的产品来。他应该是所有知名大公司中极少数掌握所有产品每一个细节的CEO，这也得益于Apple并不致力于摊大市场，但每个产品却都能够引领潮流。not follow up the history, just create the history, so cool!
你可以去想像如果没有Apple，现在的电子产品行业不知道会是什么样，至少缺少了简单优雅。
其实如果真的喜欢苹果产品，可以通读一下这本书，了解一下你手中产品的诞生过程。但要需要一个励志成功学觉得就算了，jods is such a geek that no one can do the same with him, he is just tale of marvel!

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