Should learn from the U.S. central bank rescue plan when the program repeated the game experience much

 Should learn from the U.S. central bank rescue plan when the program repeated the game experience of Liu Xiao Yan
much twists and turns of U.S. government financial rescue program, and eventually became a foregone conclusion. Which has been rejected in the House of Representatives, 3, 171 votes of 263 votes to the voting resulted in the adoption 7,000 billion total new rescue plan. President George W. Bush signed the efforts. The Chinese central bank spokesman said the United States to avoid and reduce the impact of financial crisis on China, People's Bank and the relevant regulatory authorities have developed the response plan. In my opinion, the financial macro-control to improve the predictability, for and flexibility, we might learn from the U.S. government bailout of the much repeated game experience. (October 5, 2008 Yangtze Evening News, 4, Xinhua, and telecommunications networks)
financial market crisis the real economy, the shot time when the shot. known to the market economy, the United States, for the financial market is not President called for the U.S. economy, is now a plate, leading to a huge global financial markets turbulence. If you do not take proactive measures, the U.S. financial markets will continue to bear the enormous risks, will only lead to a large number of employed unemployment, pensions devalued property devaluation, the new mortgage approved , auto loans, and college tuition loan resources dry up. There are reports, in September the United States and Africa in the agricultural sector payrolls fell by 15.9 million people, the largest decline in five years, this is the first nine months of consecutive decline in employment. At the same time, 9 The unemployment rate in January remained at 6.1% unchanged at the highest level since 2003 (4 Xinhua). is, therefore, although this was the beginning of two years has been the American people believe in free markets, including 140 The joint opposition's top economists, finally passed both houses of the financial rescue plan, all of which show the government's valuable to play.
repeated games bailout plan twists and turns, the ballot of public opinion far better than the exclusive decision-making. after September 29 , the U.S. House of Representatives, 228 votes to 205 votes Zengyi results of the vote to reject the financial rescue plan. They are represented by the initial need to re-election, public opinion differences inevitably affect the House of Representatives seeking re-election. analysts believe that the issue of defending the public interest to show a tough stance has always been an important campaign tool. In fact, the final results show that more people beyond the personal interests of the decision. we should see that the U.S. separation of powers unique control mechanism for each of the major political and economic decision-making provides the best negotiation, consultation, game, finally reached a compromise so that a unified platform. China media, public opinion in the House some of the how to save the City, and other decision-making on the fundamental difference. through the full game to find the best public policy and solutions, not just the voice of real estate agency and local government, in particular, should not be monopolized by the interest groups the right to speak, although it may delay the introduction of decision-making, but they do make the interests of all parties are guaranteed.
trying to establish a normal level from the system, instant of the rescue mechanism. This is the revelation of the three. The United States forces launched stabilization fund rescue plan another example not only to set up an official trust, to purchase mortgage bad debt of financial institutions, and the need to adopt national legislation, formed the legal system, not Lvyi the line. U.S. SEC and even said it would do the possible use of all weapons to combat the threat of capital markets and investors of market manipulation, their law, strict administration of the city (9-21 Beijing News). that the establishment of a bipartisan joint committee by the joint supervision of the The bill's implementation. (4 October and Information Network)
we also note that the revised bailout plan, adding some new content, such as to encourage enterprises to invest and expand employment, tax policy, and to the Federal Deposit insurance ceiling from the original $ 100,000 to 25 million. for the more than 20 million middle-income exempt from the alternative minimum tax, in the central and western regions of natural disasters frequently, Texas and Louisiana to implement the total $ 8,000,000,000 The tax exemption. tax cuts amounted to 110 billion U.S. dollars. (Lee in the Financial blog) is its intention to rescue the real economy. domestic public opinion also pointed out that the real economy bailout to save the head. Of course, the fundamental economic conditions that make the United States of improved long-term effort and recovery. but it should be recognized that the existence of rescue at least the possibility to restore market confidence, but if you do not save, you can not see signs of economic recovery. The real rescue, but also better than any crisis continues to spread much better. 

Growth in the interaction - Yunnan NGO Social Work Education and Practice in the interaction ...

 Of: the Variable [1] Lu Tao [2] Jiang Min [3]
(Yunnan University of Finance and Law School, Kunming, Yunnan, 650221)
Summary: The social work profession and social work fields of the broad requirements respecting tradition and create a flexible fit the reality of social work education model professional social work practice, education and NGO interaction to better meet this requirement. because the NGO's work being included in social work, NGO's idea of a lot of time to reflect the concept of social work, and social work professionals is precisely the NGO professional education of social work practice and NGO interaction, summed up the successful experience, depicting the development prospects, trying to help social work education and NGO's to grow.
Keywords: Social Work Education NGO Interactive Growth < br> As a kind of social work for the purpose of helping others, using a variety of professional knowledge, skills and methods to solve the cause of social problems as well as professional expertise, in foreign countries have for hundreds of years, eighty years ago in the old China has a sprout, but several decades of rapid social change has certainly affected the development of social work, to date, China's domestic social work only in a possible. In fact, in the field of social work, carried out by the government as the main civil, social security and other matters as well as the main body to carry out their official community philanthropy has long been deeply rooted social, showing the social work have been included in the system of systems of modern society, into line with the Government's welfare policy to ensure social stability an indispensable system. institutionalization of social work tend to ask the Government to the implementation of social work is essential to the main body, but the social development will cause the government continue to increase range of social management wide management functions of the growing trend of thinning, lack of public funds, public officials limit the number of professional fields and specific social work hard to protect the effectiveness and efficiency of the implementation of social work and thus the main need for diversity while adhering to government-led, fully to mobilize all social forces, the government shifted from mainly relying mainly rely on the community. But when the society who can do this task? is a caring, socially responsible individuals? or pay attention to social enterprises? proved that limited the power of individuals , business goals are different, the effective development of social work have to rely on specific organizations, such organizations can only be adhering to love, to promote the social civilization and responsibility, not for profit purposes. In addition to the government, the community already exists Many of these main social work. In fact, the generation of formal social work is just such a subject (such as the UK charity the club) was a basis for the formation of professional social work also depends on such a subject (such as the American School of Social Work Association) to promote the [i], the main body of social work are NGO. By comparison, the various types of NGO, although the specific goals are different, different styles, but it not work in the field of social work in it? expansion of the field of social work, social the development of working methods and promote the emergence and growth of various types of NGO. Therefore, in the modern sense of the social work from the beginning and forged a bond with the NGO.
a social work professional education, new ideas and Rethinking
NGO community should be committed to carrying forward the love and social responsibility, improve the level of social justice, for the well-being of all members of society to reflect the reality of the value of promoting social harmony. It requires specialized knowledge, skills and methods their professionalism through the mobilization of human potential, to promote the rational allocation of social resources to achieve. the needs of social work exists in all aspects of life in modern society, including governmental and non-government departments, non-profit organizations in areas of work, but also present in all public services in the community aspects of segments.
social work profession and social work fields of the breadth of the proposed Social Work Education in high demand. the one hand, should focus on the basic cultural qualities of the students, professional values and basic skills training, on the other hand, should be set to change at any time for professional development of social theory and professional skills development of innovative mechanisms, to ensure professionalism and professional education to play a social function. Therefore, the establishment of both a respect for the traditional and flexible fit the reality model of social work education is very necessary. Unfortunately, in today's China, social work education has just started the tradition of social work and value of most transplanted from abroad, culture, values, etc. differences make this attempt now faces an uncertain future. The lack of traditional Chinese social work and social work professional education, another problem is a serious shortage of social identity, so a long time, the domestic social work education on the one hand to explore the path of the Construction and Development On the other hand also strive to promote the social identity, this dual mandate has allowed the heavy burden of social work education, it is difficult to achieve a breakthrough.
the face of difficulties, when the social work educators to look into the NGO, they see hope: NGO's work being included in social work; NGO often reflect the idea of the concept of social work; and professional social work is precisely the NGO No NGO work to develop the Chinese New Approaches to Social Work? this problem caused a lot of ideas to develop a social work education in the. Of course, due to the presence of many errors, although the professional education unit and NGO workers in the same blue sky , interactive practice, carried out also need to start better understanding of each other.
as includes governmental organizations with the first sector, second sector, separate organizations, the NGO classified as The goal of the public welfare and non-profit, non-profit organization called. Accordingly know, NGO and the the more and more content, and now we are talking about NGO, the more often it is driven by social responsibility as a public welfare in the non-profit organization. see such organizations to solve social problems, promoting social development and progress, to add government and business to take care of the interests of society to promote and influence government policy objectives and not for profit nature of the pursuit of goals. This is not the concept of social work is an excellent expression you?
many places in the country, various NGO has become an important social force. We can truly feel the presence of various NGO demonstrated the value and social function. their community services, poverty relief, employment of vulnerable groups, disability rehabilitation, child protection, ecological improvement, environmental protection, Ethnic Studies other issues involving the economy, culture, education, health and human rights work in multiple areas. With the development of social economy and increase foreign exchange in recent years, NGO in the country got more and more space for activities, ideas and even affect their government policy making. Battle of the relocation from the Beijing Zoo, to the Nu River dam dispute, NGO began to serve as a public interest advocate and spokesman for the new role, they not only are becoming a force, but also set up a mechanism [ii ]. based on the increasingly rich resources of the community, uphold the concept of service to the community, with a unique mode of operation, concern about the Government and the market harmonious society forward, Social services and social management and monitoring functions, the Government decided to change the past, everything, taking all the practice, while the social sectors to promote the rational development of more coordinated, more effective social resources rational use. It is precisely because such a policy has been based and development background, coupled with the demand for vacancies in public services, social work professionals and NGO have a broad space for development. [iii]
in Yunnan, a border multi-ethnic, economically underdeveloped provinces, many efforts to eliminate poverty, social relief and welfare, environmental protection, women, children, education, protection, community development and other areas of the NGO, in particular international NGO, is working to carry out social work, many of them already have for many years in Yunnan, and even more than ten years of development experience. all kinds of international and Hong Kong and Macau NGO annual total investment in Yunnan, thousands of yuan. [iv] in such a place, social work education and NGO cooperation and interaction of growth for both sides is more practical significance. This paper will Kunming, Save the Children UK Juvenile Justice pilot project with their social partners, universities, for example, professional education of social work practice, way of interaction with the NGO, and make prospects.
Second, education and social work NGO interactive practice
(a) of social work practice innovation
professional education is a major problem is practice. On the one hand, government agencies and the extension body swept most of the traditional social work, government alternative society Home subrogation by the people, the practice of professional social workers, space is limited; the other hand, the formation of social transformation and the Party and government departments of social power of the new edge of the blank of follow-up, intervention is very difficult, high cost of channel construction practice. In addition, the practice of nearly all existing channels or channels forming the work of the system and the special logic of doing things, with the current educational philosophy and content of social work profession greater contrast, in addition to the existing absorptive capacity of the practice of channels are limited, so, practice and teaching programs rarely fit, practice resulted in the passive situation of greatly reduced the effect of students practice.
in Yunnan, Yunnan University, Yunnan University of Finance, Yunnan Agricultural University, Kunming Teachers College and other institutions of social work practice are also facing challenges, without exception, but the schools based on the NGO resource rich province, have tried and NGO cooperation and gradually worked out a new way of social work practice. For example, Yunnan University and the Ford Foundation's Foreign experts, pointing, and Save the Children under the coordination of funding and involvement in the young offenders, as the backbone of volunteers who train other youth volunteers, participation in community centers for children's services and management of soft environment hh. to the present experience, social work education and NGO cooperation is not only feasible, but also rich effective. Yunnan Agricultural University, also with Save the Children UK's juvenile justice project cooperation, the social work profession teachers lead students to engage in a certain district of Kunming in the primary security issues surrounding misconduct and research to understand this aspects of social problems and improve the awareness and ability of teachers and students, but also makes the social survey theory and practice of teaching to combine the activities of students in innovative social work in-depth exposure to the real stage.
1, in Interactive Exploration of open practice, practice mode.
NGO's social work with projects carried out, due to NGO's working principles and working methods of the more open and participatory, in cooperation, the views of teachers and students received adequate attention. Very often, set a goal, the project implementation plan is to all parties to discuss the design of the results, and in practice, constantly adjusted and updated, so you can coordinate and practice teaching program, students thought and to express and implement innovative research, education, social work profession to understand social problems, research questions, to develop solutions to help the working logic of problem solving, as well as the concept of social workers in practice vividly. Furthermore, many international NGO are the adoption and levels of government, academic institutions, practice sector cooperation to achieve the project objectives, NGO participation in university education in social work profession social work program allows teachers and students have more opportunities to understand the relevant social sectors, to achieve the multi-sectoral cooperation project objectives achieved during the teachers and students of social work social worker objects, social work platform, and to foster their ability to enhance social work. participation in NGO social work practice implementation of the project is actually a learning process.
2 , interactive practice in shaping a pragmatic and efficient social work philosophy.
NGO's project is set within the time and money, through the design and implementation of project activities, a rigorous project management and monitoring to achieve project objectives. Compared to other departments and organizations, NGO and better reflects the investment of time and money management, and the pursuit of effectiveness. These goals are to promote social work, and it is social workers should have the professionalism. Therefore, NGO pragmatic style effects, led to the partners in the cooperation process, the students gradually became aware of: social work, or even volunteering but also efficient. for the sake of efficiency and effectiveness, to develop an action plan to conduct regular assessment and working methods of work content adjusted to better achieve its objectives. In addition, social work, volunteer to help the client to understand and address specific social issues, while also understanding the NGO promoting government and touches society to solve social problems, working mode, they understand Only in this way can form the basis for a broader, more powerful force. careful planning of the pursuit of social work, carefully implemented, relying on society, seek practical results, the spirit of social services in conduction from the NGO community to the work of teachers and students involved in the project, conducted to the majority of volunteers, has become an important work of philosophy.
3, the process of practice in the interaction and integration of multiple resource mobilization.
NGO funds and government expenditure on different routine, NGO (especially international NGO), based on The logic operation of the project management and implementation procedures, usually in areas of social issues related to determine the most attention and the best position to intervene in the area; and then carry out pre-project baseline survey; in-depth understanding of the problem set on the basis of the specific project objectives, duration and funding requirements; to obtain funds to carry out specific project activities will be regularly monitoring and evaluation; project final project will have the overall evaluation, analysis of the project is in the set time and money to reach the target, whether need further development. the international NGO is limited capital investment, and domestic public welfare or their own non-profit organization yet to be developed, charitable donations has also been slow, so apart from a small NGO to provide services directly, many is the use of limited The project funds to establish a development model for emulation, such as the British Save the Children project. by demonstrating the feasibility and effectiveness of this model to promote the government and enterprises, social co-investment, and ultimately contribute to the social problems. From This point of view, perhaps the NGO projects and investment is limited, but their work is the same idea, can learn from the impact of its work through policy, mobilize resources, participation, self-help principles.
4, in the Interactive practice, work more effectively promote social development.
social work and the demands of the largest NGO is to promote social progress. As in China, the impact of the most direct way of social progress, development and implementation of policy, very often, NGO First To promote the party and government departments. Social Work in fact have the same aspirations, social work education and NGO cooperation in two areas of theory and practice of Party and government departments to jointly promote the concept of renewal and transformation functions, can play a multiplier effect. In addition, professional social work education, it is important to really understand how the different departments and organizations for the same goal, and examples of effective collaboration to achieve, and the model based on innovative thinking produced. in the NGO's work patterns are important one is that the relevant departments jointly to integrate mobilize more resources to serve the project objectives. Social Work Education in the practice of thinking coincides with the NGO, to promote each other with more departments and organizations rely on the collaboration in innovation. of course in the provision of social work practice opportunities, the NGO also continued to attract professional social work student employment, creation of social work in Yunnan University, every year a certain number of social work graduates to various types of NGO work, can be expected, with the increasing social needs and social work development, the future will continue to increase this number, social work graduates is becoming, including various types of NGO social work organizations, including the importance of reserve forces personnel.
(b) Education by the development of
professional education of social work education were a major embarrassment. Since social work is suspended again after decades of restoration of the wide variety of professional backgrounds, professional quality uneven, insufficient to support the rapid development of social work education. On the other hand, NGO workers have a lot of new ideas and social work education, training, experience, social work educators to support the sustainable development of key resources, but not be fully realized. Yunnan social interaction of vocational education and practical experience NGO social workers educators help solve the problem.
1, training of trainers (TOT)
training of trainers (TOT, Training of Trainer) of purpose is to organize training skills through training courses, so that trained people in the future to support related training activities. this by the British Save the Children, teachers and students in the process of cooperation with the social work profession in the first approach was originally used only by students seeking to form The implementation of a network of social work. But the reality is: not only teachers and students involved in developing the TOT vision, more importantly, to make their expertise more effectively use, and will in practice be able to continue to find their own lack of targeted learning to improve, and then to guide practice, forming a virtuous circle. Of course, by TOT, many students come to the fore, on the one hand to support NGO activities in developing social work practice, on the other hand you can with professional teachers in practice teaching. teachers and students TOT due to exposure to different methods and even new ideas, and integration through its own needs, to improve their services to NGO projects, serve the community.
2, teachers extended
many NGO (especially the international NGO) emphasis on education and training of personnel involved in the work of its staff to receive formal professional training, and has a wealth of qualifications, training methods that use a lot of creativity to show a lot of advanced ideas and concepts. In the process of cooperation, NGO. will use its own technical resources for training, will also invite relevant experts and scholars outside the talks or exchanges, whether large or small scale conference participatory training, embodies the concept of learner-centered, than the natural effect of training usually Guonei indoctrination training much better, in an interactive training course is to train teachers to improve the ability of students to go. and NGO training resources are also used by schools, social workers in various fields related to non-school teachers was invited to a forum for students , forms, content-rich lectures and elective courses are also a lot of social work students become popular class, and some adjustment of the social work school students a special curriculum. NGO education and training concepts and methods of training staff to make up for the lack of school education well worth the school reference. their technical and management staff also expanded social work education teachers, such cooperation and the impact of professional education is undoubtedly a social innovation.
3, exchange and research < br> In the course of project implementation, NGO will organize various training and exchange activities from time to time, content, design and implementation around all aspects of the project involves professional knowledge, skills, methods, etc., professional teachers, social workers, government officials and NGO staff, etc. to each other familiar to deepen the understanding of cooperation. A typical example is: in the NGO coordination and funding, professional teachers, social workers and government departments were able to go out a study tour to discuss the same areas of knowledge under different perspectives and solutions, both school teachers increased mutual understanding with other departments, but also the common goal of access to the system of knowledge, but also easy to carry out multi-sectoral cooperation. NGO also working with colleges and universities to share resources and information, theory and practice they employ experts in the industry to serve teachers lecture, providing networking opportunities, asked the teacher to participate in the activities of the project, so that teachers have in the theory and practice to improve and strengthen the effectiveness of teachers continue to achieve in cooperation.
In addition, many NGO is willing to The researchers were funded to support specific research, and often value the ability to stick to one pattern. In the framework of NGO projects, the partners of the teachers are actually encouraged, some with more experience and willing to think about the students become cooperative NGO-funded project the object, Deyi own social work experience, ideas and methods and techniques, gather written. Obviously, NGO for the social work teachers and students in the intensive study skills within the soil, and research results will help to some extent enhance the value of the NGO.
(c) information on curriculum reform and the social work profession of social work building
a major obstacle to the professional education curriculum building. due to lack of precedent, and does not correspond to the occupational group as the practical support, difficult to establish social work courses. Now more common are: the introduction of foreign professional courses suited to the domestic social situation; new courses practicality, feasibility is not enough; certain courses, course also remain in the logic.
1, curriculum reform
commissioned by the Ministry of Education, China Association of Social Work Education (also belongs to NGO) to standardized teaching materials for the focus and discipline to develop the basic requirements
Yunnan University of Finance and Law School and the Save the Children co-Yunnan Project Office, the first in the elective curriculum reform of the cooperative projects in the school set up a but also for other professionals interested in the social work students, so that the impact of the project not only expanded but also increased the social work professional identity and confidence of students. Save the Children in Yunnan project office or even programs specifically for schools to set up practice develop its own plan of action, such as booking well-known experts, senior officials involved in teaching or lecture, contact the community to provide a base for the practice of teaching and so on. Such cooperation in the Save the Children UK and Yunnan Agricultural University Justice Project also made between the gratifying results , the success of teachers and students research, the students actively involved in all that such cooperation is welcomed by the school. commendable is: as agents of social work curriculum reform, supporters of the Save the Children UK to fully respect the views of the school , with the school's arrangements to take concrete action to help further the implementation of the school curriculum construction, while adhering to the established on the basis of Main Course, the creation of a practical program of targeted social problems, adjust the part of the professional courses, students focus on the social perception and practical ability, the school curriculum the goal of building is not difficult to achieve.
2, the information construction
historical and social development, and many other reasons, China Social Work Education in the early recovery have to learn (or even copying) the experience of foreign countries and Hong Kong, Macao, but the localization The pace has never stopped, we rely on to lay the foundation for the later ones? one by experience, and on the data construction. In this regard, NGO can play a role can not be ignored.
NGO (in particular international context NGO) working for a major feature of emphasis on communication, attention to assessment of the sum. In the process of cooperation, social work educators and NGO staff exchanges often sparks burst of inspiration, the formation of valuable experience. In addition, some foreign consultants employed in NGO These foreign consultants willing to arrange the project, and social work professionals and students to exchange of experience, some new concepts, methods to spread, the social work profession education benefit. such as the Juvenile Justice Project of the international consultant to the Yunnan University of Finance and the students about the practice of juvenile justice, the United Kingdom. valuable is that, NGO projects in the review and sum up their own development, while encouraging the project participants in a timely manner the activities involved in records and improve the judicial Panlong project will encourage and promote the participation of college students and teachers and other personnel records of their work, often through regular assessment of the sum of the number of physical experience, they also used the regular issuance of the teachers and students can participate in project monitoring and evaluation at the same time, explore new ideas, communicate new methods to form a valuable first-hand information.
most social work is specific, it can be said, is one of fresh live map out the social work cases light. NGO also pay attention to the case, for the case of the collection, NGO may have more than social work students and teachers more power, because the NGO is to make the case through the renowned renaissance men. As different angle , NGO undoubtedly occasional case together information on the construction of social work education icing on the cake.
Third, social work education and NGO interaction studies have
Prospect said: and the concept of governance change, globalization and the need to solve social problems several factors such as complement and promote each other creating a local NGO Organizational Development in China an irresistible trend. [v] of these factors for the local social work also opened up a broad professional education space for development. Of course, frankly, the local Social Work Education in China and the NGO are still in early childhood, growth is still a long way. Although Save the Children UK work in Yunnan Province, professional social work practice in educational institutions attempt to NGO interaction and social work education in their growing up has taken a welcome step, but in the interactive process of practice, some issues have been revealed. In case of , another example of step with the action, differences in concepts and methods and so on, all with interactive practice tests over and over again the confidence of the participants. Now, the local Social Work Education and the NGO has experienced explosive growth in a period, both entered a stable growth stage. At this point, should the spirit of seeking truth from facts, mutual respect, common thinking rational approach to interactive future.
(a) shall continue to extend in the direction
As mentioned earlier, education and social work NGO share a common belief that to promote the social civilization and progress. In practice, the process of belief, social work education and the NGO will face some of the same issues, such as social identity, personnel status, they are exploring their own solutions , but because of the insufficient level of domestic social development and their own capacity constraints, these issues will continue to plague them in a certain period. social work education and practice of NGO interaction is undoubtedly opens a door to help solve the problem , follow this pattern and continue to play their respective advantages, mobilize their social networks and concerted efforts to expand its influence, will help solve these basic problems as soon as possible, clear the way for further development.
1, promote social identity.
seeking a catalyst for social identity one of the best performance, the second is the degree of public concern. In performance, the current social work practice, education and NGO interaction can be said to be level lasting, deep concern. professional education units and NGO social workers should continue to review and enhance the interactive experience, systematic thinking and specific arrangements for the process of social work and advocacy activities to promote social identity.
2, together with social workers to improve the social status of NGO social workers and NGO
social status or even raise the establishment of social work education and the significance of NGO self-evident, it depends on the professionalism of social work, social work career with the national qualification The introduction of the system, social work education and the NGO will be more realistic value of interaction, their development and training of professional social workers are the main professional social work, therefore, more in-depth interaction effectively by improving the professional social workers quality of performance by strengthening the social work, will further enhance the social workers and NGO's social status.
(b) to the direction of innovation and breakthrough
NGO Social Work Education and reality should be based on an interactive approach demands complementary advantages. demands close, of course not a problem, but it might not be able to effectively complement each other to achieve. Practice has proved that: the advantages of social work education is not only professional knowledge and professional talents shape, but also in the fundamental position of education; NGO advantage not only capital, ideas and methods, there are also rich in a wide range of social network resources. interactive practice innovation and breakthrough will play the partner from the start with their own advantages.
1, to strengthen social work professional education units in communication with the government
role of social work education and NGO sector needs to seek government support, but in communication, social workers and NGO professional education units from a different angle. as part of national education professional social work education is established by the state, in line with national development planning, social benefits if the show was, it can confidently This will fully explore the professional social work education as a ...

Cheated of a foreign newcomer's experience, reminding foreign novice do not be fooled [ZT]

 I just made a novice in foreign trade, day in front of the computer from around the world look back plate. Feeling old is doing useful work, not without reply, came to nothing. Is back a few letters, and then disappeared without a trace, how do you ask any mail that is not news!
In this case, there is such an exception to the client, have continued reply to my mail.'s hopeless in the vast, only he gave me to hope!   This is from Africa, Benin, GO FAM's a look, and I will report the price, after which he again inquired about the final price of the message, I reported to him. then there is no news of. over a period of time I sent an email to ask, he went back there, and said why did not reply me because his client's back, etc..
said his client has ten hotels, a total of 8400 rooms , that is, 8400 to buy television sets, and then the boss told me about joining us. agreed to pay a 30% deposit, but there are two conditions: total cargo must have a contract lawyer in Benin, II. in order to prevent counterfeit goods, first send a sample to the identification of his client.
I replied that our boss does not speak English, you can visit my company, the correct sign the contract, we can send a sample to you. He replied that his client old, not long-distance travel. I said that you can send a man to. He replied that could send a person to inspect and supervise the loading issues, and arrange for the deposit. but still want to send a samples, because he is a former client, a retired general, he believes seeing is believing. only he can confirm the samples, to sign the deposit arrangements. and asked them whether things are after the commission?
in the end do not send mail this sample, I also very contradictory messages are the other received no information, it seems that only this one chance. us a sample five-six hundred dollars, DHL to three thousand seven hundred dollars. then asked the boss, the boss agreed to send this sample, we are not a big company, the boss will agree to send this sample is very rare. boss agree to the commission.
email to ask him, what we have samples, send them a fee, right? He replied that his client does not agree, would not the shipping.
Then I asked him for his client by his half of the shipping lines out of it? one's sincerity or he did not, how do I trust him ?
few days he did not reply, I would like to forget it, the deal is also the game is.
had wanted to forget, the results two days later said he agreed to pay back half of the shipping in the When the sample to half of his pay shipping. one think he is willing to pay half the freight, I think he is sincere, then hope again.
began to make arrangements for matters relating to the prototype. After the sample well , in the end do not send mail, I was very contradictory, then the other party was repeatedly traversing this route, also known as I am going to the main contract, that is to sample in the way of their orders and deposits.
in the mail, I asked another email him some questions, then call him, did not see the flaws. He told me his client is a former defense minister, who is his beverage business, beverage supply for the army, because it met his client. that his client never had to disappoint them.
things have developed to this point, move forward, Dan Zhao own risk, back away, afraid of losing a large order. their repeated consideration, decided to risk it. have been to the last, and also can not stop. Then send a sample! and immediately sent a message to him.
sent a message to him after three days of no news attached! this I was very worried, and began to regret. Well, that samples sent to the next day I began to regret.
made a lot of e-mail to ask. By the fourth day, Go FAM company finally responded. that is because the power and therefore can not reply. It makes me have a point of much comfort. one would like is also possible, not so well-developed African countries, as our country is old power as before.
After four or five days, the package had arrived, he sent in the work of a minute before the mail receipt of the samples. his heart is still expected not to any accident, proceeds smoothly to make this business is like.
results the next day received an e-mail that the sample damaged. that they open the package and saw the next day, before the shell has been eaten away, can not watch TV. said, see if I can find a repair technician. and then told me the next day is Easter, they have to leave 9 days.
I fear will be damaged in transit, so buy insurance. so I called him up email contact with the local DHL, and told him to take pictures and send it to me.
has been no reply. 9 days in the past, they should go to work, or did not respond! I made a lot of email to ask, do not reply. so I was worried, he also had three days, or did not respond. call is also always busy. your heart to 90% of impostor. So I sent a strongly worded e-mail, saying that if he do not reply to me, I will when he is a liar! I want to send information to their government to expose him, I would like in our Alibaba Web site published an article called, and not all Chinese companies to do business GO FAM.
Hey, this email sent out, I called again to try, the result has to answer the phone who was Mr. MARK ! He said that he was to write my e-mail. I said, Well, I'm waiting to see your message right.
then I feel some regret, if he is not a liar, and that my message would be too impolite it! thought that if he really is not a liar, that I had to desperately sorry.
soon received his mail, he said just to put a sample TV we call you a liar, he was very surprised! to the deal, he has invited a technician repaired the TV. that recognition of our products.
to time I do not expect the deal, and just want to pass the cost of an insurance claim to get back to the on the line. I have repeatedly asked him to email photos taken damage to the TV, for various reasons he shirk. that now the focus is not on the sample, but on how to complete the main contract! really gives the speech he is still down!
He asked me to prepare the contract issued to him, said his client had come to replace that person, because the problem of the treatment had a falling out with his client, so can not send people to come, said his client requirements contract must be signed in Benin.
I do a contract, but did not seal, scan to him, told him to stamp, because I was afraid he would not take my seal the contract went to lie!
after he had received was not sealed, only told us to send someone to sign a contract in Benin. I replied that our products are exported to all over the world, never sign a contract not to go outside, why you must go to Benin to sign the contract? Now that you have accepted our sample, if you really are sincere to do business, then you set Jinhui, we can start production! We do not send people to sign contracts in Benin !
So far this guy never responded.
I was not a very easy to believe in people, previously encountered elaborate hoax, I have not taken, I do not know why this stuck to . I admire the African, his deception is really smart! you do not feel he was very active. Then he said the reasons given in the past, no flaws. and then you go to test him, he never backed down. There are many crooks as you ask him some questions when he will be back, or a no answer, or disappear, it is easy to see it. And this man is not. I think he probably is already a veteran.
specifically write down their own experience, to remind future novice attention. because our economy is the rapid development of foreign trade, there will be a lot of new people continue to join!

Special, YOLO Rainbow ice cream

 Publicity materials of a painting of three mixers (Rainbow) a box of ice cream ingredients (Rainbow)
ice cream ice cream technical formula of a complete set of CD-ROM
a
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What is Buddhism

 What is Buddhism, Venerable Master Wei of Taiwan to television viewers
Members:
fellow practitioners today, I saw some further studies on the problem, we use this time to share with you a brief description.
S Most people have a problem is a common problem. He said we have many common image of the Buddha, enshrined in the temple or the family, we worship the supply. The problem is: the image of Buddha Bodhisattva, and Buddha Buddha meaning, in the end there? Buddha and Bodhisattva worship in what is the difference? We should use what kind of mentality, to worship Buddha and Bodhisattva worship tomorrow, is the right?
this question, I think is a very serious problem. Because superstition is a negative impact on society. Respect, worship in China for thousands of years of practice, have a positive effect for social education, decisions are not superstitious, it is clear that we need to identify. Buddhism is the teaching profession, it not Shinto, Buddhism, so is education, not religion. In Buddhism there can be said for thousands of years, teaching art to understand it. We in the monasteries, nunneries being, see the image of Buddha, there are statue, a painting, all kinds, many species. In the classic Buddha inside, the Buddha once said, a Buddha told us there are over one thousand two hundred and chanted name Buddhas and Bodhisattvas are not in it. Buddha told us that many of the chanting, is each of our beings from nature is a German can. We give a few an example to say, we do know.
example, the name of Sakyamuni, is the transliteration of the Sanskrit, the meaning of Buddha is merciful, Fanzuo may be able to; Muni Fanzuo quiescence, that is pure meaning. It can be seen with the pure mercy of our own nature is a German can. The German name can be sure to use it to show up, we heard the name, we must know that we should treat people kind of doing things on their own To clean, with a pure heart to treat yourself, treat others with compassion, and this is the meaning of the Buddha. So hear this name, or see the image of Sakyamuni Buddha, brought us a concept, which is teaching. This is the art of the table method in this way, always reminding us constantly out of Germany revealed. Buddha's name is a virtue, that is, a Buddha is the German energy; this with the German can, and now we lost, not really lost, is lost; lost, the self-sexual before Germany can not now.
example, we have been merciful, is merciful, and now we are people, compassion for things that are not. We could have been pure self-nature, and now fly all day long is delusional, irrational thoughts constantly, bringing the endless troubles, that is our of Germany lost, lost. How can I restore it? must depend on cultivation. Bodhisattvas representatives virtue, of the repair Fuji. virtue is limitless, because we lost too broad, too deep fans, so the virtue of the methods, theories will not have come to an end. on behalf of virtue to use the Buddha, represented Germany on the use of the Buddha, the Buddhas and Bodhisattvas name, image, are inspired by our role of repair, we are dedicated to the purpose of the Buddha image here.
Buddhists, Buddhist disciples of the Buddha dependent Buddha image, no more than two meanings, the first meaning is the meaning of Memorial, the Buddha is our teacher did, and we accept his education, by the virtue of the Most Excellent teaching, for the founding of the teacher, we always is Thanksgiving, and never forget, this is the meaning of belonging to commemorate the so-called return to the beginning of this newspaper. The second meaning is learn from him, is to emulate the so-called, we see the image, we have to learn from him; heard the name , we have to learn from him. This is what we worship the Buddha image, should have state of mind. We know that he truly is here, so this decision is not superstitious worship. Buddhas and Bodhisattvas are many, for example, we support Jizo, Jizo represents honor, filial respect for teachers. see to be carefully, possession is a treasure. We carefully beings are endowed every infinite wisdom, infinite Germany can, which is in possession of the means. so dedicated to the Buddha-shaped as, to develop our own treasures of the heart.
the method used to develop? with education, with teaching, and teaching the fundamental, that is, filial respect for teachers. Buddhism by learning from there? from the superstition, your sexual Germany never before now. that what kind of attitude? to learn Jizo, This is a real blessing Jizo we truly bless us. see too, if we are uncertain of their science, not in accordance with methods to pursue, it is superstition, it is not the slightest interest of all. instead of getting the contrary, at fault This fault come from? fault is to look at the Buddha as a god to bribe bribe him, and curry favor curry favor with him, thought to be able to protect themselves. It is about conditions of the Buddha as the corrupt officials to look at, you want to Your mentality is evil. It is clear that we can not but decided not to have an error, the error is the least bit of difference really, as a mile.
As for worship, worship the gods of heaven and earth spirits, which in ancient ceremony on both, this is the repair respect. We are gods, ghosts and spirits is also not what we seek; nothing sought, and why should worship Him? we have to respect him, we have to respect him. King of this word is German, how This culture of ethics, how to carry forward this personality Germany? our world of ghosts and spirits for a respectful, we should use this sense of respect for all people, of all things, all objects, that's it. This is an ancient ritual The real meaning of heaven and earth spirits, belong to the teaching, there is no demand in ghosts and spirits. are asking the spirits, this is a wrong concept, the first worship in ancient times, there is no meaning, we must understand clearly.
s two questions to ask is, common, many people buy flowers, fruits, offerings, or in the monastery, or which support the Buddha in the family, but also burn incense, and candles, plead for Buddha Buddha bless the peace, health, career and fortune. The real intention there? Buddha is not need these things?
initiates instructions to all of you, the Buddha decided to not need these things. these things real in there? or in teaching. to use the words of a modern, these support a variety of teaching tools that allow us access to these things, you can be touched. For example, in the statues in front of us, we all know the meaning of Buddha, the Buddha represents the self-sexual morality, the Buddha represents virtue. Usually we worship One of two Buddha Buddha, because of Germany is only one, not two. virtue is that many, many ways it summed up, no more than two categories, one is known, one line. In the Buddhist explanation, the line, is the solution of a door, one line of the door, so be represented by two Bodhisattvas. Mr. Wang Yangming talking about the unity of knowledge is all about the inside Inspiration from Buddhism, to get these ideas. knowing that the word is that the Buddhist the line speaking of the solution. For example, most people often dependent Sakyamuni Buddha, Manjushri, Samantabhadra, which is generally constant for the Buddha image. Buddha Table of Germany, Monju, Fugen Table virtue; Manjusri table Door Solutions He represents wisdom; Samantabhadra representatives from the door, the representative should be implemented to practice, so two of the Buddha to all representatives, broken down on a lot.
initiates most of the Pure Land, as revised Trinity Western support, the Buddha is for Amitabha, Amitabha means the name is infinite sleep; A is no meaning, Amitabha is the meaning of amount, together is immeasurable, the Buddha is the meaning of consciousness. of all people, of all things, all objects, to make void, over the realm, not the same without awareness, this is what a successful sexual morality. The Bodhisattva Guanyin Table virtue is, the potential to, on behalf of the implementation of the Goddess of Mercy, on behalf of the line; other Bodhisattvas representative of solution, of wisdom, it was a line, a solution . But the Pure Land Dharma is placed in front of the line, the solution placed in the back, this is not the same with the support of the local general statues, we focus on the implementation, the implementation in the first place. We know the meaning to would not be an error concept.
for flowers in front of Buddha statues, flowers represent the result, so cause and effect, the World, the world laws are inseparable from the cause and effect. Buddha in the Mahayana Scripture often says: Why defeat million law, causality is not empty? cause and effect is all this talk about change in the law million, due to become the results, the fruit will become the causes of changes in the cause and effect each other, with continued constantly. So causality is continued with constant mean stresses, is about limitless change the meaning, this is the truth, so that the cause is not empty. flowers first, then the result, flowers are a result of, the fruit behind. So for the flower is representative of repair due to spend a good we can envision the results will bear too good. to see flowers, you have to think we have to rehabilitated for the future good of retribution to be able to spend the table mean. for fruit, fruit that is representative of fruit, is what we wish of the; flowers are beautiful, we must repair . In Mahayana Buddhism there and spend on behalf of six times, giving, precepts, patience, diligence, meditation, wisdom, called the flower of six times before satisfactory results can be reported for the flower is what I mean. But of you want to know, flowers before the Buddha for the table mean, you know, like students in the classroom lessons, to understand the deeds on behalf of flowers. leave the temple, we saw flowers on the outside, there is no such mean? have this meaning. So to understand Buddhism, just see the flowers, must be rehabilitated to bring their own reasons, to fix the result. even wearing the clothes, when printed on these patterns, see the flowers to know what to practice, using this method constantly remind myself to fix it because, due to be rehabilitated before they can fruit well, have good results. This is the support of flowers, fruits significance. to support the food is really about nothing, not important. food is that their Dear little heart, we need a good diet, we also support a good diet Buddha, which is a remembrance of the meaning, the meaning is also a table method.
burning incense, fragrant incense on behalf of the letter is a signal, in In ancient times, have very broad application. The most obvious of you to travel to mainland China if the total will inevitably have to visit the Great Wall, you see every section of the Great Wall there is a beacon, beacon messages are passed, it is about beacon the same as an incense burner. In ancient times, the information developed, the method used to pass messages? to use the flames, burning the smoke signals, smoke signals with the average density of the smoke not the same, the wind is not easy to disperse, so the smoke will last. In the distance to see the flames of this place, to know a situation is happening, use this method to deliver the message. we burned incense to the table method, we pass the message with the Buddhas and Bodhisattvas, induction Road intersection, take the mean. but the real meaning of We often say ring true given incense, incense fifth body of law, the meaning of the deep. you know the meaning of the burning incense to remind you of things to learn more. we see smoke, smell the fragrance, they think they have to repair ring, to revisions, to Xiuhui, so it represents the true Hong ring set, representing a fifth body of law. fifth of the body of law that is in front of the three precepts, and wisdom, the latter two plus free, free to know, see, so use this method to remind us.
lamp is a symbol of the meaning of wisdom and light. In ancient times, with oil lamps, candles, the significance of deeper and more obvious. lamp is about, really burn yourself, others light, candles are particularly obvious. This is to teach us, we request the wisdom to be able to self-sacrifice, with their wisdom, their own physical strength, to their skills, social services, to help all sentient beings, without seeking reward, which is a Buddhist guide us. So burn incense burning candle in the table mean. really do naturally find peace, health and longevity. As for grabbing power and money, this is all inside your life, this hit all want to address the relationship between cause and effect. You do not have life inside , Buddha can not give you. if your life inside is not money, the Buddha can help you make a fortune, there is no official position inside your life, the Buddha can give you high-ranking officials, and that causal laws to be overturned, and that such a truth! Buddha Buddha wisdom is bigger, of ability, there is no way to change the slightest cause. worldly cause and effect is built on the basis of Buddhism is established on the basis of cause and effect, it is clear that we can not. One by cause and effect, energy. how can? He taught us to make a fortune theory, teach us rich for further studies of the way we understand the theory, according to this method to repair the school, naturally, be. not to say that he taught you, you will directly be sent to you to to do. For example, you want to Chigua, he tells you how to go to melons, how to select seeds, how to cultivate the soil, fertilizer to adjust to culture, to teach you these techniques, you can According to do that, you must have a good harvest in the future. not that you find melons, he took a melon for you, not the truth, it becomes superstition. It is clear that we must engage in to understand his real intentions here. As for seeking peace, seeking health, the Buddha also taught us how to really comfortable, happy, happy, and there to include peace, health and longevity. Buddha told us all to follow nature, So the Buddha told us comfortable, revel, and you can get.
Going words, meaning is very deep. For example, modern people are talking about the ecological environment, ecological environment is everyone know, on this planet on whether animal, plant, which are complementary to the existence of this fact. If one side is damaged, some impact on another level, the reason people know the facts now, because we live in the extent of destruction of the natural environment , has been very clear. So there are many animals, not only the animals, even plants do not survive the environment. There are some plants, animals, must disappear in the inside of an era, it all comes from the imbalance in the ecological environment . this part of our human body is physical, the spirit of this part there is also the same with nature, no different. If you can adapt to nature, then you must be a long and healthy life, you will live very happy; if contrary to nature, you destroy the natural ecology, you must have lots of disease, pain, and even in some disasters, the decision can not be avoided, the need to know.
Buddha told us that our hearts, of a pure heart is empty, it determines there is, but you can not find. dharma wheel to table method is often used, wheel is round. Now we all know, the circle is the center, center of the circle there? center decisions, But the center can not be obtained. you say it a point, the point has become an area, so the point is an abstract concept, the center is a point, the decision is, a not available. Buddha told us to be pure heart, the heart is the center of the circle, that is, center of the universe is the center of one of our lives. Since it is the decision of the heart, the unattainable, if the mouth, head and your heart a little something, your heart is broken. our hearts are delusional, there is a difference, there are persistent, are concerned, there are worries, your heart is broken, you have with the natural principles. If you can put all the delusion, respectively, attachment, anxiety, worries were all put down, your heart back to normal, this is called the natural Suishun of the law. so they should be clean, the decision can not have something.
body do? body to activity, the body is a circle, Zhou is moving; that either move to bad, you violate the natural principles. So the body to move heart to the net, which is self-cultivation of the Road, which is the essence of self-cultivation. but now, especially rich people, and completely contrary to the Road. You see, the heart should be pure, the heart to no one objects, the Sixth Patriarch of Zen said, we should move, not move you can not live. Yet still he did not want to move the body, the heart can not move, but why in the action; the body to move, he chose not to move, so how can he avoid the physical and mental diseases? disease from there come from? that come from this place.
Buddhism there a way to practice is called worship to practice using this method. Every day hundreds of prayer and worship, prayer and even thousands of worship, it was thanks to the most, thanks to three Thousands worship. Buddha, are in motion, every part of all sports to self-cultivation! addition to worship Buddha, the labor. labor is self-cultivation, pure heart, my heart is not delusional, respectively, attachment, no worries, concerns, this person nature is happiness, health and longevity. Buddhism tell you truth, it teach you methods that are related to the truth, that is, the corresponding natural environment. It tells you this, you can really get health and longevity.
As for the reward, that is another one thing. rich people can be happy, happy, poor and lowly people can be happy, happy, can be seen to be happy, happy, everyone can get in to, do not care about wealth, and rank, and wealth, and rank is irrelevant. rich, poor and lowly is the virtue, for instance, wealth, wealth come from? financial donation comes from. financial donation is the cause and retribution have wealth, you must be retribution for repair. If the past life, or There are no repair because you want to get rich, money come from? impossible. awful things, of you read Yes, lost all thrown away; life there are no, ask, ask not come, the Buddha, heaven and earth spirits are also helpless. you go to plead for Buddha Buddha, seek the spirits, seeking fortune, really rich, and tell the truth, it was you Some of life inside, just met at this time, chance encounter, not the spirit of the Buddha there. Buddhas and Bodhisattvas, spirits should really have spirit, a hundred people seeking fortune, a hundred people are rich, it can be called true spirit; a hundred people requirements, ninety-nine fortune, there is a people do not get rich, not brilliant. our minds to be calm, do not be deceived, but not be deceived spirits. be deceived also be forgiven, to be spirits fraud, it things can not be forgiven. So there must be rational, to have the wisdom to observe, we can get the real benefits. So for those who support the Buddhas and Bodhisattvas are tables with the law, not his need is to use these things, with these props, always remind yourself to six contact with the outside realm Liu Chen, obsessed fans can meet and not feel, is not evil, the net without dye, to achieve this objective. It can be seen, these support It does have the necessary tools.
support the most simple tools, such as family is poor and unable to prepare the support tools that we have a statue in front of the support is the most simple glass of water, which is inside the most important tools to support . the water represent? water on behalf of the heart, the water should be clean, the table clean heart. water waves is flat can not afford, on behalf of equality. to support the glass of water, to see to think of clean water, equal, inside which is a very, very important to support . You do not even burn incense, no candles, no flowers, fruit offerings, but can not provide for a glass of water. This is the product inside to support the most important, it represents the pure heart, the heart of equality, see the water they think their environment in all personnel, material environment, to know repair clean and equality. pure, equal heart is the Buddha's heart is really.
third problem is a common phenomenon now. He said: Most people in the formal support Buddha image before, to be held in an opening of the ceremony, opening of what is the meaning? there is no need? the opening, and the Buddha on the soul; not open light, Buddha is not soul. in the end what kind of person is eligible to for the Buddha image of the opening?
this problem, we have in preaching, speaking of which I have mentioned many times. Modern general opening, have tended to form, superstition, the significance of the opening completely lost out. In fact, the opening of this pile it is very important, its true significance, is that we support the image of the Buddha and Bodhisattva significance lies. This thing is like a great man among our secular image of the achievements of our building, held an opening ceremony. at the ceremony there must explain to the public that the person he was alive, feats, his contribution to the community, to contribute to the nation, accountable clearly, plainly, so that the image of the public to see him to students from such a mind to follow him, and this is the meaning of the opening of Buddhism. For example, we support Bodhisattva, Avalokiteshvara made this as good, we want to enable, support is enabled. In the opening, we would like to explain the public Why do we support Bodhisattva, dependent Bodhisattva meaning is there? take this Zunxiang, developing our own self-nature of light, so it is not one for the Buddha to open light, is the Buddha image for our opening, this means here. < br> If the image of the Buddha and Bodhisattva, asked a monk to give him the opening he soul, and spirit are not the opening he would not. because there are a lot of people have called me for the opening, the opening to the Buddhas and Bodhisattvas. I'll be honest to tell him, you do not support the Buddha, he asked why? soul to soul I tell him, tell him to not work is not spirit, I am better than he has spirit, like you support me, and you feed him for? you think about it right? called superstition. so I can go bumbling Bihuabihua, I helped him the gestures, he soul, and you think about it, I not more spiritual than he it? not understand even this point, you is ignorance confusing indeed. a cool-headed smart people to look to suddenly realize, to understand the truth. I said, for the Buddha to open light, he soul, this is deceiving sentient beings, you have a bit too stupid, too stupid, and that there The truth! it open just declared that the Buddha means. For example dependent Bodhisattva, Avalokiteshvara represents compassion, the Bodhisattva of this merciful saving all sentient beings would like to announce that out of this. We support the Buddha, Guanyin dependent Buddha, we should follow the example of merciful Buddha, peril of this kind of COMPASSION. So to see the image of Bodhisattva Guanyin, the Goddess of Mercy name heard, put us out of great compassion triggered. We of all people, all things, all objects should mercy, to truly love, care and help, this is name of this statue, the image of the development of our self-respect of compassionate light, this is called the opening. So is Buddha by name, develop our own nature, light; by the image of the Buddha, the light inspired by our own nature, is what I mean. decision can not be wrong, wrong, you are superstitious. fans, decided not solve the problem, the only way to resolve intellectual problem. This is the Buddhist can not know.
as to what kind of person to be eligible to the opening to the Buddha, the Buddhas and Bodhisattvas by the theory, history, the significance of his expression, can accessible and clear, as explain the importance of clear explanations to understand, that's it. certainly not in that form. every form of education has deep meaning, it must explain clearly to explain to understand, and avoid tend to superstition, as the Buddha spirits to reverence, to worship, pray heaven and earth spirits, to bless the Buddhas and Bodhisattvas, this is the wrong idea, this is not normal thinking.
there is a problem. He said: Modern Esoteric quite popular in the world However, there are several issues that we feel confused. The first problem is referred to empowerment, empowerment mean? received initiations can eliminate karma it? Tantric guru for you with the empowerment to be able to eliminate karma, how to be able to quickly elimination of karma?
Empowerment is a form, a very important significance in which we can not know. If on the formal initiations, sprinkle a few drops on your head, your karma is eliminated, can you believe it? First, I want to ask you, what is karma? you want it to find out. industry is what? industry is your pretentious. Simply put, you thought wrong for the universe and life, the wrong view, wrong argument, wrong practice, you are here pretentious called industry. The industry barriers of your pure heart and a barrier to your self-nature feel, this is called karma. the teacher to give you an empowerment, your karma is not to eliminate it? If karma really eliminated, you have pure heart, your delusion, respectively, all is not persistent. You for life and the universe in the past, present and future, omniscient, omnipotent, this is your karma truly eliminated, you get good results. empowerments you after themselves to think about, is not your delusion, respectively, attached to nothing; or delusion, respectively, attachment is reduced, reducing also good. If the initiations, the delusion, respectively, persistence does not decrease, and even kept on increasing, can be seen, it is simply ineffective. But the real meaning of empowerment, you do not know.
Huang Nianzu old lay in the very clear, very clear, because he himself is a tantric master, he told the truth, no lie. irrigation is the meaning of compassion blessing, that is a real concern for you, love you, help you, this is the meaning of irrigation. the top is the supreme Dharma. In other words, the supremacy of Dharma to teach you, this is called empowerment. not take a few drops sprinkled on your head, called the Empowerment; the initiations, you shower bath every night, that is a big Empowerment that irrigation is much more comfortable! not superstition. That is the meaning of the table method, water is the nectar of empowerment, on behalf of the supreme Dharma nectar.
we understand this truth, you only know Inside the supreme of all the classic Dafa. you, Classic at it again, that is, to give you ten empowerments of all the Buddhas once, you do not know! This is real empowerment, not deceive you. you do not understand this truth, try to find Tantric masters to sprinkle a few drops of your head, you think that is the elimination of trade barriers, it is about karma has not been eliminated, and constantly increasing. because you are the read heart is a confusing reversal of the heart, you this practice is a wrong approach, you totally do not know, you fall into the superstition way, the virtue of how you can get? how can you eliminate karma? This must be clear of you fellow practitioners.

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University of speech when the ice after the Shanghai A student asked
Full Record Date: December 8, 2008 at
Following is the video section (click the middle of the > The following is the full transcript (A student asked some)
Moderator: I am grateful when the teachers brought us a wonderful lecture, can be said to be full of reason, but no lack of humor. I think we can not wait to do while the teacher some further exchanges, and that the following is the Q & A session, students can raise their hands in question.
student A: When the teacher, and now the weather is cold, and we have to wear gloves to go out, that, if lost a pair of gloves a case, the entire pair of gloves to no use. I think the cold in this economy, economic reform and political reform through the economy just could form a winter glove, only if the lost glove, then political reform, economic reform can not continue. This is the original Xinhua News Agency reporters Yang Jicheng and De Guandian. right? I would like to ask you whether the economic crisis of our country to promote democracy and political reform, a major historical opportunity? you that our country progressive democratic political reform, which held views? Thank you!
when the ice: the reference to this question, I think of Obama. Obama, a black man, he kind of energy, the kind of light four shot the passion, the kind of smooth eloquence, the kind of elegant manners, you see such a person to be elected to the presidency, you can feel difficult to suppress a nation of this activity, this determination, this kind of cohesion. you turn look! would say that if a company is not good, people will not even punctuate the leadership of the seat to sit up, or a dying person, a dying man to sit up leadership positions He gives you the feeling of what?
in fact the real problem is that China's political reform Ye Hao, we are all trapped in the political reform, because there is no good kind of leadership, without which good Talent was elected to leadership posts up, he would protect their own interests, he would not put something on the livelihood of the people benefit, no matter how you mention will not work, I wrote the above, or even suggestions, there are many things that are flowing written in tears, but tears can not move them.
the administrative expenses of the West Why so few? because the people vote, he has some control mechanism. The first is the judicial control mechanism, you see things that point the Clinton Justice institutions can interrogate him, we here? Second, he has parliamentary control mechanism, and the third, he had the most important one, is that the people the right to vote, this one control mechanism, the fourth, his religious control mechanism, the West countries basically religion, he felt God do bad things will be punished, and we are atheism, there is no bottom line. but also for the fact we should also adjust the measures, for some good religion that we should support, not be inhibition. For the cult should be combated, if all religions are suppressed, but easy to lose this control mechanism. For example, we have religion in order to manage this one, we established the , very strange is that it is following a national Religious Affairs Office, the National Bureau of Religious Affairs prepared the vice ministerial level, and it is this office are ministerial establishment. So many things are strange here. I say that what does that mean? is that we need a control mechanism, ultimately need to go to the right to vote on. When the people vote, we can get their favorite candidates to leadership positions, there is one all is well resolved, do not have one, what are resolved not. Thank you!
student B: when the President Hello! see you here today have two feelings, the first is relatively heavy, for the words you just said, I have some experience, is the first time able to to hear the truth such a direct, more exciting, and happier to be able have the opportunity to hear the truth. then I would like to ask two questions, is now China's stock market and housing market, in the end they want to save the What? The second problem is hh embarrassed, too nervous today. often see your comments on Sina.com, is the first time today, see you at the scene. The second question is: how to make decision-makers, like our group of college students, sat below to listen to you speak? Thank you!
when the Ice: The second question, If anyone can come up with an answer that time let me know.
the first question, we have now policy orientation is toward the side tilted in favor of vested interests, and if you study you will find the real estate and stock markets, whether stock market is up Ye Hao, or Ye Hao, which is to maximize the interests of a party-oriented interest groups . The U.S. stock market exit mechanism for its strict, if not listed, it gives you away, you have to withdraw from the market, you can not continue in it a trickster. In addition it also requires you dividends every quarter is to be divided shareholders how much money you require is hard, in each quarter. we do here, this one is very small. From 1990 to 2003, 13 years, the circulation of more than 600 shareholders dividends divided million, they pay the cost is 1 trillion.
us than an example, the Chinese oil market in the United States, from 2.9 billion U.S. market for financing, he gave the Americans a 11.9 billion U.S. dollars bonus points, 4 points on the 11.9 billion dividend . PetroChina listed in China, the financing of the 97 billion U.S. dollars, dividends divided by 600 million yuan.
China, the stock market is not so people can gain a place, so I try to appeal to the Chinese people do not go into this market which . Last year, I have several teachers, because look at me in the Securities News, asked to be my phone. my point of doing a good job after graduation, failure to make timely contact with them. They want to play the stock market, let me refer to the reference to them, I tossing and turning, insomnia, and to the teacher how to answer ah? then I finally told them not to intervene the stock market, and then this year they are very grateful to me: that, because there is no access to the stock market, so there is no losing money.
it (the government) now save the property market, because the property market involves the interests of local government, why should the local government to save the property market? because local government revenue is mainly derived from that one, from with the real estate (that one). But why did it have to be rely on this piece of it? of many economic problems, research to half do not always go down, I was kind of like a shovel digging in the end people.
time since 1988, we did not land transfer payments, was called the land transfer fee. that time is divided into the central and local, national and local change forty-six Fifth divided into .1989, after the 1993 tax system reform, the central piece of all the land that all the income to local governments. Why ah? is to make it land! because it was against the local government control, for instance, Guangdong, some local governments do not obey, it is money, money to the rich and powerful to just say that rich people poor people theory. Central in order to strengthen his authority to implement reforms to the tax system took away the money. taken away after the confiscation powers to go, that is, doing this thing or place, where is the money. no money how to do? to sell to! out the demolition, the series of problems arise.
So, If we are to solve this problem, in terms of root causes, reform the tax system also needs to be adjusted. is not this an adjustment, if the local government in a forced prostitution of the mechanism, it can only rely on land sales, only by increasing land prices, raise prices (to maintain). This mechanism can not change, so that the (local government) is now active in the rescue real estate, housing market . he will always remember, it will always save the real estate, but it sometimes can not save, do not save, because people were emptied.
this wave of stock market decline, 60% m70% of the middle class, middle-income of all destroyed, the house fell to no support. and then a house in mid-rise, income overdraft. The United Nations in 1995, more than 50 countries on a survey, they come to a conclusion. the price of a house and a two income family of more than a year, in between 2 to 5 is reasonable, that is, a family between 2 to 5 years is reasonable to buy a house. more than 6 to more trouble, and many of our country cities over 20,40 in excess.
there were an economist, said: when the President, your research is too one-sided, with their different national conditions. I say you this is lame, why all the conditions are detrimental to the people? all with the international standards are also detrimental to the common people.
This is our researchers misled the government, the government is an easy to make mistakes sometimes children. He said he is the people raise their , he is the people's children. He is our child, he will make mistakes, you should guide him, and wrong should tell him, not shoot his horse fart every day are made into a film is the son of Columbia. We are now The problem is the symptoms. well the next question.
Moderator: What is the problem we can when the teacher asked us.
when Ice: Well, we just ask, I will pick the answer I will .
students C: Hello my teacher when I asked a question relating to the Fund. Like some funds, is not it can be explained: If the stock market is not good, the fund market is not no hope, then, we are now some also buy the fund, is not now need to get out, but I do not know what will happen later, so we do not know how the future will develop. Another problem is that we suddenly found that two days before the rate cut, lowering the deposit rate problem. but some scholars believe that we should not cut interest rates, but should remain stable yuan Ye Hao, Ye Hao appreciation, so this place we 搞不太清楚, so when the teacher gave us an explanation. Thank you!
ice time : I was very aware of, listening to your question I screwed anyway, hehe. investing in stocks and funds on this thing, I think college students like you if you have the knowledge to try not to buy a fund. Fund What ah? Fund to fund many of the key at all times serve as cannon fodder, so I can only say this, I do securities industry, I said too thoroughly, leading back to thinking what should I do to find work.
So try not to buy the fund. Fund What is it? fund someone else do it for you. He earned both take your loss of management fees, he received a lot of your costs. another, Rat, for example, he first bought it, buy low price, then take your money bass bass bass go up, so after running after it, you hang it out.
the RMB exchange rate issue is the adjustment, but a little late, should in the first half or the end of last year when the adjustment is better. is indeed late, many companies have already died. I went to Guangzhou, Dongguan, business failures, a month away from the migrant workers in Dongguan is 100 million to 300 million people for three months Now our country is the economic crisis in some areas. because I spoke, the people of our country is poor, weak domestic demand, a slight decline in foreign demand, the economic crisis on our country.
you see why the subprime crisis today, All the countries are problems in the financial issues, only our country is on the problems in the real economy, is the economic crisis. If people do not put up people's incomes, the emergence of the problem will continue, but will be more intensive to appear. well, the next question.
student D: when the teacher Hi, I have two questions, the first is that some scholars believe that the financial crisis on China has a lag effect, that what you think of China in the coming year will be affected most severely affected, the situation is the worst. The second problem is that recently many people say that is not suitable for China's financial institutions to buy the dips America, the West's financial markets, thank you!
when the Ice: The first question I do not know which one you are listening to experts said, but I suggest next time you visit him with a brick.
On the second question, is not bargain-hunting opportunities? I do not think the opportunity to copy the financial bottom but the opportunity to copy the resource base. I was in my book, the most resources, who is the more affluent, who the more powerful, who is more money.
resources, because all countries are printing money by the way to solve the financial crisis. Merkel said a few days ago, I was After reading very mixed feelings, I know why Germany so powerful, because it chose a very good woman. Merkel said Western countries are to rescue the market, have accused Merkel Shangwang not active in the rescue. I have studied in Germany economy, I found that although Germany is the West, but its economy with other Western countries is different. It's virtual economy is small, he was mainly rely on corporate finance? rely mainly on bank loans, rather than capital market , not by the virtual, virtual economy does not depend on that piece, it is the real deal the real economy doing well, its manufacturing is very good. Merkel did not agree to a substantial bailout, Merkel said that if we do save the city We dug a bigger hole, five years before we will repeat such a crisis.
So, in the future is a resource for the king, my book was the thirteenth chapter, I devoted a chapter to discuss this is the safe to buy Fortis shares, investment 23.8 billion, thanks to left 10 billion. It's a level far in our small retail investors under the worst. This year on January 21, when the media published Ping to finance 160 billion to western countries vote, when I was a stand out, desperate to stop it. write articles, we were fabricating public opinion, we gang to stop him. If you do not stop it, 160 billion perhaps no.
now really have the opportunity, for instance, Fortis, the stock fell 96%, it (China) there is no money to buy back this time. In times of financial crisis, we should copy what end? copy of resources at the end! example, stone coal, iron ore, gold, copper, these mines can be a lot of buy. In the future, their prices will be doubled.
my recent research enterprise, most companies do in the future to make money is a resource ah! you get was able to make big money ah! and selling resources in our country, ah, we found three 2007-level gold mine in Asia, all sold. there is a gold mine, which is how to sell it? gold exploration in our country when the It is with the cooperation of foreign cooperative exploration and gold, the cost is people dig in, people dig more than 100 million, the Spring after the mine even if he had. I said that China Central Television broadcast the news came, my book which details introduction of CCTV nobody say three gold, all sold to foreigners by.
indium our country, I went to the Central Party School lectures preceding the time there is a mayor, he said the following in our indium There, the result of a sold to people in our country when the waste. If it is not an accident, we now have almost sold out of indium.
our earth, we accounted for 70% of the world's rare earth, such as the production of such sophisticated weapons, like the United States the patriotic those missiles can not accomplish what matter from the earth, away from the earth to Xiecai. Americans off their rare earth mine, what? to buy from China! off Australia, from China to buy! Britain off from China to buy! All countries have such rare earth all are closed. I found the data, no country is still mined, only China in mining. and they (developed countries) also lowered our prices in disguise, our prices down in a year more than 60%. We sell the earth when the genuine people. Moreover, we can then sell the rare earth 30 years .30 years, up to 50 years after the earth we can only buy from abroad, no matter how much time you take money, people will not sell it to you.
resources for the king of the times, resources are sold in exchange for money, money is what a 100 dollar bill is printed down 1 cent to 3 cents (the costs). If such a black sheep in our country, this way is very terrible waste of resources. I have written a book which is very system. We will not be able to sell resources and to go abroad to buy, but now no one to buy, are selling.
me a friend is a state-owned veterans, a few days before he went to Jiangxi, there are many mines. He listened to the foreigner in English with the call and say: Mine are cheap, people here are stupid, mine good buy. Well, that does still under China's current GDP growth is 8% to maintain effective, 9%, that is the Sichuan earthquake this year because of the loss of 850 billion, then there is plus deficit in the Olympic Games is the most important financial crisis stands to reason that we China's GDP should be down this year, fell 3,4 percentage points it at least! but I read the first few days of news, he said China will maintain this year's GDP growth of 8%, and the country will strive to maintain growth of 8%. I would like to ask 8% in the end this is a benefit to the people, that is, 8% in the end this is to give people see, the enhanced production of active, or is it really benefit the people, or make the wealthy and strong country. I 8% in the end the question is do any good to the people.
when Ice: The 8% of it, he is a conclusion drawn by economists, that is less than 8% after the job is 8% The bottom line is a breakthrough, it will generate lot of employment problems.
fact, our GDP did not make much sense. GDP poor people have no meaning, only when a country, the people's income and GDP growth to keep pace when , the GDP makes sense.
we should be the most difficult first half of this year, started to show a difficult time, in the first half 1-6 month we revenue growth rate is 3 times GDP. fiscal revenue is still big magnitude to the concentration inside the government hands. As the financial crisis, I study the financial crisis, many financial crises of history, I think history is not one to resist the financial crisis in this way to resist. in this way will only worsen its impact . Thank you!
students F: Hello my teacher when I want to ask a question that maybe all of our guests want to know of this problem, why do we spend a lot of money in China, a lot of effort to buy U.S. debt, first of all is this. that according to you just said, why buy the debt we can not ask him to come back, which is another point. If you said to come back if we the money, including a lot of foreign exchange , on which place, which will increase the area to use our people's livelihood, or more conducive to the development of our country, thank you!
when the Ice: Why are they so fond of buying U.S. bonds, I'm up to now I did not come up.
United States, it is impossible to take such a large debt, he can only rely on? can only rely on printed notes, by currency devaluation, by issuing new debt to dilute its existing debt. because it is the world's international currency, he is the reserve currency, he has such qualifications. to buy U.S. treasury bonds is very uneconomical.
bonds that? he is the country's reputation for security, he is not a corresponding asset is credibility. But reputation is not worth a damn in some cases, such as. that is the case, he said, you turn on the turn, I do not yet you how it? you beat him, how do you tell him to? you to petition, to petition the United Nations you?
and then, our country's foreign exchange reserves, with us in the textbooks say the United Kingdom, the United States who is not the same kind of foreign exchange reserves. I did the last show in Phoenix, Phoenix a tiger Yixi Tan , Peking University, a doctoral tutor, teaching economics, a doctoral tutor, is a word he was anxious to provoke me, because he did not clarify the concept of foreign exchange reserves, and I stood up and said: I'm fed up, I have give you guidance in economics common sense I'll tell you the debate. our country's foreign exchange reserves of foreign exchange reserves with the developed countries is not a concept, it is mostly debt. Why?
You see, Japan's foreign exchange reserves of these countries that they also increased, he is rely on the increase? fiscal surplus to buy foreign exchange reserves, issuing treasury bonds to buy foreign exchange reserves. We are a nation rely on foreign exchange reserves to buy? I'll give you an example, say it clear, for example, because no examples Sometimes that special hate these abstract things, and sometimes that half the people do not understand, but you embarrassed to tell me you did not understand, back when you still confused.
example, you relatives from the United States send you a 100 million U.S. dollars, of course, is the assumption send you $ 1,000,000. Bank to you taken away, to the central bank. central plug in the power side of the printing press, printing more than 600 million yuan to you. $ 1,000,000 that became a foreign exchange reserves.
Another example of an enterprise, which make products in China is 100 million dollars in costs, he sold to the Americans, sold for $ 2,000,000, earned 100 million U.S. dollars. Under normal circumstances, foreign exchange reserves increased by 100 million U.S. dollars, not! Americans gave you $ 2,000,000 that it is all taken away, and India more than 1,000 million yuan to you. This is why our country when the appreciation of the RMB outside of devaluation within. His roots in this.
since the founding of our country from just released a second special treasury bonds issued in 2007 is 1.5 trillion of special treasury bonds to buy. I have all the rest do not know. because our country's fiscal deficit is, you have no other issue of such bonds to buy, but you have no reason to increase that much (reserves), and later this year in August from a national adjustment policies of forced settlement adjustment, should possession of Department of the people. our country of this foreign exchange reserves are liabilities, the vast majority of liabilities. Today, we all understand the lecture. next time you see Peking University professor who you can talk to him about.
Another point I say the way, I'm not enemies with North ah! but Beijing University professor who always hit me on the gun. I next batch of several professors of Beijing University, Beijing University who was Trustee looking for me, I find I want to sit and say we can not help but mention something Peking University. All right! this to answer to this.
student G: Hello my teacher when this is not the national expansion of that infrastructure, is to expand roads, railways, these construction, they are can drive the development of other industries and economic growth, should be very good measure. But why he is the next downturn in the Chinese economy would.
when the Ice: Well, I answered your question. Why did he cause this situation? me give you an example.
Fuyang airport, I mean the airport. He is a farm chicken. He was using 380 million in 1998 investment, 3.8 billion to build. He was built when the requirements with Beijing, Shanghai ratio. he was the number of people per hour out of Hong Kong 600. He is built according to high standards, built after completing no planes to fly. then is to organize students rushed to the holiday, holidays, going to get there throwing paper airplane, because the resources are not wasted ah! can not use it later, it was a pity to waste of resources found in the chicken in it. for this kind of thing it is invalid, it is Invalid drive.
you say a lot of roads, this year he not run a few cars, why do you repair such a good road ah? What's more, much more you build that road is also money, ah! This is the people's livelihood What are the benefits? He is invalid, and the construction process and a lot of corruption, to have 70% of the funds for the construction of this road has been very good, and he pull ah invalid.
what is now the time? is When poor people. In time of poor people, concern for the future, when everyone, why not put this money to the people? You made of steel and concrete on the top. We raise chickens, dirt roads that we can raise chickens, we do not So luxurious airport to be built to chicken ah! chicken it does not meet ah. Thank you!
student H: when the teacher is good, it is said, we already know the interpretation of some of the conclusions and methods, but still can not stop a number of vested interests of those who exploit the people, then he can not influence politics, then how are we to do? If you can not stop their exploitation, we then study the history of political economy, then what's the use?
when the Ice: So hopes on you. so you stop to this position when you push forward reform. at least we remember that we do not Dangnu Cai, we are upright people. We should promote the construction and improvement of the system. to our basic life assurance and life The most basic dignity. Only the people of a country rich in dignity and happiness, a sense of security, this nation can hope to. Thank you
Moderator: There are two more questions.
students I: when Mr. Hello. is a series of economic stimulus plan, whether the improvement in China's real economy? or is this just an illusion, then the real economy in China will continue to deteriorate. There is, China's stock market can really be barometer of China's economy, or that he is only a speculation and unhealthy market. Thank you!
when Ice: I infer that our real economy will continue to deteriorate, because the measures we are not good, it is the inevitable result . We go to Japan in the posterior, soon follow. So, that I now also to the central recommendation to adjust the relevant policies.
second this one on the stock market, China's stock market is difficult as China barometer of the economy. Why? because there's shady too much, I give you a simple example. wave of market to do down, some people made a lot of money, some people have been made destitute.
If we follow the the kind of sound system in Europe and America, under the form of the kind of market to maintain our market, so that we can get more stable dividends, we would not be so big ups and downs of the stock market. because of what? because investors get dividends than the deposit Bank earnings are high, many economists have read said: ah! Americans do not like savings, Americans do not save preferences. I say you do not sing, why do you give me that Americans are not saving preferences? he had stock dividends than the high interest, so they do not want to save. We are not here, ah, took money from the savings in, watch out, he did not see you, next time he was not entered, and entered.
can not give you an expect a stable expectations, just like housing prices, rising prices can not give you the same feeling of a home. a nation what is most important? sense of belonging!
when we sit very bright and spacious classrooms, when we walk in a very good, expensive road, but we did not feel at home, no sense of belonging. But you see the Americans, he will tell you: anywhere in the world can be protected! people have a sense of belonging.
student J: Hello my teacher when you mentioned the Olympic Games on the Chinese economy relatively large impact. Now I just want to ask, you will be held in Shanghai World Expo in China's economic or economic entity, he will produce what kind of impact, can I analyze. well, thank you!
when Ice: I teach you a method to analyze, you can calculate the time to put it to the fireworks That number is how much weight by the introduction of this conclusion. probably more than I now give you a better conclusion.
country if we accept the previous lesson, thrift, simplicity that we are not extravagant, we do not give face paste, we give people the paste, provide employment opportunities to the people, so that people at any one time have felt love, like the World Expo, the people will welcome, but also will promote the role of social progress. Instead, as with the Olympics. Thank you!
students K: the teacher, I have a problem. I may not so much the concept of global outlook and current situation, I am only interested in personal finance and investment. You say we are untouchable stocks and funds, China if the property market will definitely fall, and banks, the interest rates again in tune ah ah tune tune, and no one sustained. So we finance and investment channels for Chinese people, so little, how do we come to investment banking to outperform the inflation expansion of it?
when Ice: ah hh do you still reading?
students K: right.
when Ice: First is the case, I think so, as far as possible in school days The following points less in money management skills. Never mind, I did not criticize you, I mean, in school, you can learn a lot through the financial stuff, this is real.
I mean that you devote more energy to use on the basis of courses, read some books more important. because of financial management, you'll never have the financial opportunity, but the opportunity to learn so little time. as I do now, leave school, When we want to re-read the time, they can only stay up all night reading, can only stay up all night. But we're very comfortable conditions. you want to study, we have such a good light, we are so good, so beautiful campus, very good learning Environmental ah! do not have to dig even electricity.
should read more books at this time, a lot of time reading. on the financial management this one, in fact, such a mechanism in China is not really a good financial opportunity, especially people. Because we are still under a law of the jungle, because our system does not protect the weak, the strong to protect.
such marriage, marriage used to be Crown, has now become your own actions. He is in fact a protection of the people mistresses. That is the government whether you, as long as they do not tell you nothing. Many of our system is to protect the strong, not to protect the weak. because the laws he is strong, because people in the development, in the decision-making he had no right to participate in the process.
you say a lot of systems in the development process, I also wrote above, I think they are beneficial to the people's livelihood in these areas, this view I will be described in detail, but some things are no use, because their power is too strong.
you look at who the real financial management, a few can make money? Ye Hao, whether real estate, real estate, but also down, he set live as you would have not come a few years, the stock market turn down to a few years, but to the body, you go to the bank, at least he still has interest.
What do you really want the best financial management? read a good book for you in the future, the future money, go and get resources, to buy resources. or that a peace of mind you are now reading, so you develop your future, you please me as a consultant, I teach you financial management. < br> I mean, you must carefully read, this is my big brother to you as an ardent hope, because what? all hope is on you.