I like this story. I know it may sound cruel but it is true. Don’t mean to be offensive and rude. Pardon my bluntness.
A 25 Year Old Beauty Wrote a letter to An Investment Banker, She said:
What am I doing wrong?
Okay, I'm tired of beating around the bush. I'm a beautiful (spectacularly beautiful) 25 year old girl. I'm articulate and classy. I'm not from New York. I'm looking to get married to a guy who makes at least half a million a year. I know how that sounds, but keep in mind that a million a year is middle class in New York City, so I don't think I'm overreaching at all.
Are there any guys who make 500K or more on this board? Any wives? Could you send me some tips? I dated a business man who makes average Around 200 - 250. But that's where I seem to hit a roadblock. 250,000 won't get me to central park west. I know a woman in my yoga class who was married to an investment banker and lives in Tribeca, and she's not as pretty as I am, nor is she a great genius. So what is she doing right? How do I get to her level?
Here are my questions specifically:
- Where do you single rich men hang out? Give me specifics- bars, restaurants, gyms
- What are you looking for in a mate? Be honest guys, you won't hurt my feelings
- Is there an age range I should be targeting (I'm 25) ?
- Why are some of the women living lavish lifestyles on the upper east side so plain? I've seen really 'plain jane' boring types who have nothing to offer married to incredibly wealthy guys. I've seen drop dead gorgeous girls in singles bars in the east village. What's the story there?
- Jobs I should look out for? Everyone knows - lawyer, investment banker, doctor. How much do those guys really make? And where do they hang out? Where do the hedge fund guys hang out?
- How you decide marriage vs. just a girlfriend? I am looking for MARRIAGE ONLY
Please hold your insults - I'm putting myself out there in an honest way. Most beautiful women are superficial; at least I'm being up front about it. I wouldn't be searching for these kinds of guys if I wasn't able to match them - in looks, culture, sophistication, and keeping a nice home and hearth.
An Investment Banker's Response:
Dear Pers-431649184:
I read your posting with great interest and have thought meaningfully about your dilemma. I offer the following analysis of your predicament.
Firstly, I’m not wasting your time. I qualify as a guy who fits your bill - that is, I make more than $500K per year. That said, here’s how I see it:
Your offer, from the prospective of a guy like me, is a plain and simple crappy business deal.
Here’s why. Cutting through all the Bull Shit, what you suggest is a simple trade: you bring your looks to the party and I bring my money. Fine, simple. But here’s the rub, your looks will fade
and my money will likely continue into perpetuity - in fact, it is very likely that my income will increase, but it is an absolute certainty that you won’t be getting any more beautiful!
So, in economic terms, you are a depreciating asset. Not only are you a depreciating asset, however, your depreciation accelerates! Let me explain - you’re 25 now and will likely remain pretty hot for the next 5 years, but less so each year. Then the fade begins in earnest. By 35 - stick a fork in you!
So, in Wall Street terms, we'd call you a “trading position” - not a “buy and hold”…hence the rub…marriage. It doesn’t make good business sense to 'buy you' (which is what you’re asking) - so I’d rather lease. In case you think I’m being cruel, I would say the following: if my money were to go away, so would you - so when your beauty fades I need an out too. It’s as simple as that. So the deal that makes sense for me is dating, not marriage.
Separately, I was taught early in my career about efficient markets. So, I wonder why a girl as 'articulate, classy and spectacularly beautiful' as you has been unable to find your sugar daddy. I find it hard to believe that, if you are as gorgeous as you say you are, your $500K man hasn’t found you - if only for a tryout.
By the way, you could always find a way to make your own money - and then we wouldn’t need to have this difficult conversation. With all that said, I must say you’re going about it the right way. Classic 'pump and dump'. I hope this is helpful, and if you want to enter into some sort of lease, please let me know'.
以下是中文的翻译. 這篇文章, 如有雷同, 纯属巧合!!!
一个年轻漂亮的美国女孩在美国一家大型网上论坛金融版上发表了这样一个问题帖：我怎样才能嫁给有钱人？
“我下面要说的都是心里话。 本人25岁，非常漂亮，是那种让人惊艳的漂亮，谈吐文雅，有品位，想嫁给年薪 50万美元的人。 你也许会说我贪心，但在纽约年薪100万才算是中产，本人的要求其实不高。 这个版上有没有 年薪超过 50万的人？你们都结婚了吗？我想请教各位一个问题——怎样才能嫁给你们这样的有钱人？我约会过的人中，最有钱的年薪 25万，这似乎是我的上限。 要住进纽约中心公园以西的高尚住宅区，年薪25万远远不够。 我是来诚心诚意请教的。 有几个具体的问题： 一、有钱的单身汉一般都在哪里消磨时光？ (请列出酒吧、饭店、健身房的名字和详细 地址.) 二、我应该把目标定在哪个年龄段？ 三、为什么有些富豪的妻子看起来相貌平平？我见过有些女孩，长相 如同白开水，毫无吸引人的地方，但她们却能嫁入豪门。 而单身酒吧里那些迷死人的美女却运气不佳。 四、你们怎么决定谁能做妻子，谁只能做女朋友？ (我现在的目标是结婚。)”——波尔斯女士
下面是一个华尔街金融家的回帖：
亲爱的波尔斯：我怀着极大的兴趣看完了贵帖，相信不少女士也有跟你类似的疑问。 让我以一个投资专家的身份， 对你的处境做一分析。 我年薪超过50万，符合你的择偶标准，所以请相信我并不是在浪费大家的时间。 从生 意人的角度来看，跟你结婚是个糟糕的经营决策，道理再明白不过，请听我解释。 抛开细枝末节， 你所说的其实是 一笔简单的“财”“貌”交易： 甲方提供述人的外表，乙方出钱，公平交易，童叟无欺。 但是，这里有个致命的问 题，你的美貌会消逝，但我的钱却不会无缘无故减少。事实上，我的收入很可能会逐年涕增．而你不可能一年比一 年漂亮。 因此，从经济学的角度讲，我是增值资产，你是贬值资产，不但贬值，而且是加速贬值! 你现在25 ，在未来的五年里，你仍可以保持窈窕的身段，俏丽的容貌，虽然每年略有退步。但美貌消逝的速度会越来越快， 如果它是你仅有的资产，十年以后你的价值甚忧。 用华尔街术语说，每笔交易都有一个仓位，跟你交往属于“ 交易仓位”(trading position)，一旦价值下跌就要立即抛售，而不宜”长期持有”—— 也就是你想要的婚姻。听起来很残忍，但对一件会加速贬值的物资，明智的选择是租赁，而不是购入。 年薪能超过50万的人，当然都不是傻瓜，因此我们 只会跟你交往，但不会跟你结婚。所以我劝你不要苦苦寻找嫁给有钱人的秘方。顺便说一句，你倒可以想办法把自 己变成年薪50万的人，这比碰到一个有钱的傻瓜的胜算要大。 希望我的回帖能对你有帮助。如果你对“租赁 ”感兴趣，请跟我联系。”——罗波．坎贝尔（J·P·摩根银行多种产业投资顾问）
Saturday, October 27, 2007
Friday, October 26, 2007
A Worthy Read". - The Power And The Force of Non-Violence.
Dr. Arun Gandhi, grandson of Mahatma Gandhi and founder of the M.K.Gandhi Institute for Non-violence, during one of his lectures at the University of Puerto Rico, shared the following story:
I was 16 years old and living with my parents at the institute my grandfather had founded 18 miles outside of Durban, South Africa, in the middle of the sugar plantations. We were deep in the country and we had no neighbours; so my two sisters and I would always look forward to going to town to visit friends or go to the movies.
One day, my father asked me to drive him to town for an all-day conference, and I jumped at the chance. Since I was going to town, my mother gave me a list of groceries she needed and, since I had all day in town, my father asked me to take care of several pending chores, such as getting the car serviced. When I dropped my father off that morning, he said, "I will meet you here at 5:00 p.m., and we will go home together."
After hurriedly completing my chores, I went straight to the nearest movie theatre. I got so engrossed in a John Wayne double-feature that I forgot the time. It was 5:30 p.m . before I remembered what I was supposed to do at 5.00 p.m. But by the time that I had to run to the garage, to get into the car, and to hurry over to where my father was waiting for me, it was almost 6:00 p.m.
My father anxiously asked me, "And why were you late?"
I was so ashamed of telling my father that I had been watching a John Wayne western movie, that I instead said, "The car was not ready as yet, and so I had to wait for some more time," not realizing that my father had already called the garage to check on the car.
When he had caught me lying, my father sadly said, "There must be something wrong in the way that I had brought you up, so that you did not have the confidence to always tell me the truth. Hence, in order to figure out where and how I had gone wrong in my bringing you up, I am going to walk all the way home, 18 miles, and think about it."
So, dressed in his formal suit and shoes, my father began to walk home, and that too in the dark, on a mostly unpaved and unlit road.
As I could not leave him, for five-and-a-half hours I drove slowly behind my father, watching him go through the agony and pain, just because of a stupid lie that I uttered. I decided, then and there, that I was never going to ever lie again, be it to my father or to anyone else.
I often do recall that episode and wonder, if my father had straightaway punished me in the same way that we tend to punish our own children, whether or not I would have learned any lesson at all. I really do not think so. I would have simply suffered and tolerated the punishment for a while, and then would have still continued with my lying. But the single non-violent-action of my father was so impressionable, that it does remain fresh and clear in my mind even today, as if it had happened only yesterday.
That is the power and the force of non-violence.
I was 16 years old and living with my parents at the institute my grandfather had founded 18 miles outside of Durban, South Africa, in the middle of the sugar plantations. We were deep in the country and we had no neighbours; so my two sisters and I would always look forward to going to town to visit friends or go to the movies.
One day, my father asked me to drive him to town for an all-day conference, and I jumped at the chance. Since I was going to town, my mother gave me a list of groceries she needed and, since I had all day in town, my father asked me to take care of several pending chores, such as getting the car serviced. When I dropped my father off that morning, he said, "I will meet you here at 5:00 p.m., and we will go home together."
After hurriedly completing my chores, I went straight to the nearest movie theatre. I got so engrossed in a John Wayne double-feature that I forgot the time. It was 5:30 p.m . before I remembered what I was supposed to do at 5.00 p.m. But by the time that I had to run to the garage, to get into the car, and to hurry over to where my father was waiting for me, it was almost 6:00 p.m.
My father anxiously asked me, "And why were you late?"
I was so ashamed of telling my father that I had been watching a John Wayne western movie, that I instead said, "The car was not ready as yet, and so I had to wait for some more time," not realizing that my father had already called the garage to check on the car.
When he had caught me lying, my father sadly said, "There must be something wrong in the way that I had brought you up, so that you did not have the confidence to always tell me the truth. Hence, in order to figure out where and how I had gone wrong in my bringing you up, I am going to walk all the way home, 18 miles, and think about it."
So, dressed in his formal suit and shoes, my father began to walk home, and that too in the dark, on a mostly unpaved and unlit road.
As I could not leave him, for five-and-a-half hours I drove slowly behind my father, watching him go through the agony and pain, just because of a stupid lie that I uttered. I decided, then and there, that I was never going to ever lie again, be it to my father or to anyone else.
I often do recall that episode and wonder, if my father had straightaway punished me in the same way that we tend to punish our own children, whether or not I would have learned any lesson at all. I really do not think so. I would have simply suffered and tolerated the punishment for a while, and then would have still continued with my lying. But the single non-violent-action of my father was so impressionable, that it does remain fresh and clear in my mind even today, as if it had happened only yesterday.
That is the power and the force of non-violence.
Biggest challenge in life
One of my biggest challenge in life is to invest in capital market. It involved sophisticated mixture of science and art, hypes and fears, anticipation and frustration. Warren Buffett is my biggest inspiring mentor of all times. I like his foresight and long-term view on companies that he invested. He's a man who will buy what he thinks is value for his money, turning difficulties into opportunities, taking calculated risks with investment that can stand the test of time and recessions. His famous rule of thumb is: Rule number 1, never loose money; rule number 2, never forget rule number 1 –
Here are some very interesting aspects of his life:
1. He bought his first share at age 11 and he now regrets that he started too late!
2. He bought a small farm at age 14 with savings from delivering newspapers.
3. He still lives in the same small 3-bedroom house in mid-town Omaha, that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.
4. He drives his own car everywhere and does not have a driver or security people around him.
5. He never travels by private jet, although he owns the world's largest private jet company.
6. His company, Berkshire Hathaway, owns 63 companies.
7. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meetings or calls them on a regular basis.
8. He has given his CEO's only two rules. Rule number 1: do not lose any of your share holder's money. Rule number 2: Do not forget rule number 1.
9. He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch Television.
10. Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.
11. Warren Buffet does not carry a cell phone, nor has a computer on his desk.
His advice to young people: "Stay away from credit cards and invest in yourself and Remember:
A. Money doesn't create man but it is the man who created money.
B. Live your life as simple as you are.
C. Don't do what others say, just listen them, but do what you feel good.
D. Don't go on brand name; just wear those things in which u feel comfortable.
E. Don't waste your money on unnecessary things; just spend on them who really in need rather.
F. After all it's your life then why give chance to others to rule our life."
Cheers!:)
“A Price To Pay For Everything In Life”.
My great grandfather from China had this piece of advice to me before he past away, he said: “My son, there is no free lunch in this world. That free lunch to you will probably be the most expensive meal you ever had. Nobody will be so kind to make profit for you. Nobody will help you to make profit and then distribute the profit to you. You have to earn the money the hard way. There is no easy way out. There is a price to pay for everything in life. How much effort you put in will determine how much you get. Work hard, work smart and you will be rewarded!”
我死去的爷爷曾经对我说: 孩子, 天底下没有免费的午餐, 不用钱的东西将会是最贵的. 一份耕耘,一份收获, 没有人会为你赚钱, 也没有人会赚钱分给你. 样样东西要亲自亲为, 学会坚强,勇敢面对,你所付出的如力与代价,将会是你所应得的!
One of my mentors once said this to me: Be a responsible, only invest when you knew you can win! You invest not to win all the time but not to lose…I always has this in my mind.
Let me start with sharing with you a life story that I like most. This is known as “A Price to Pay for Everything in Life”.
There was this museum laid with beautiful marble tiles, with a huge marble statue displayed in the middle of the lobby. Many people came from all over the world just to admire this beautiful marble statue.
One night, the marble tiles started talking to the marble statue.
Marble tile: Marble statue, it's just not fair, it's just not fair! Why does everybody from all over the world come all the way here just to step on me while admiring you? Not fair!
Marble statue: My dear friend, marble tile. Do you still remember that we were actually from the same cave?
Marble tile: Yeah! That's why I feel it is even unfair. We were born from the same cave and yet we receive different treatment now. Not fair!"
Marble statue: Then, do you still remember the day when the designer tried to work on you, but you resisted the tools?
Marble tile: Yes, of course I remember. I hate that guy! How could he use those tools on me, it hurt so badly?
Marble statue: That's right! He couldn't work on you at all as you resisted being worked on.
Marble tile: So???
Marble statue: When he decided to give up on you and start working on me instead, I knew at once that I would be something different after his efforts. I did not resist his tools; instead I bore all the painful tools he used on me.
Marble tile: Mmmmmm......
Marble statue: My friend, there is a price to everything in life. Since you decided to give up half way, you can't blame anybody who steps on you now."
The moral of the story is ....
It simply means that the more hard knocks you go through in life, the more you'll learn and put them to use in the future!! Do not be discouraged by setbacks and failures. Past is past, you can't change it but it is actually a blessing in disguise. Past was good, Present is better and the future will always be the best.
我死去的爷爷曾经对我说: 孩子, 天底下没有免费的午餐, 不用钱的东西将会是最贵的. 一份耕耘,一份收获, 没有人会为你赚钱, 也没有人会赚钱分给你. 样样东西要亲自亲为, 学会坚强,勇敢面对,你所付出的如力与代价,将会是你所应得的!
One of my mentors once said this to me: Be a responsible, only invest when you knew you can win! You invest not to win all the time but not to lose…I always has this in my mind.
Let me start with sharing with you a life story that I like most. This is known as “A Price to Pay for Everything in Life”.
There was this museum laid with beautiful marble tiles, with a huge marble statue displayed in the middle of the lobby. Many people came from all over the world just to admire this beautiful marble statue.
One night, the marble tiles started talking to the marble statue.
Marble tile: Marble statue, it's just not fair, it's just not fair! Why does everybody from all over the world come all the way here just to step on me while admiring you? Not fair!
Marble statue: My dear friend, marble tile. Do you still remember that we were actually from the same cave?
Marble tile: Yeah! That's why I feel it is even unfair. We were born from the same cave and yet we receive different treatment now. Not fair!"
Marble statue: Then, do you still remember the day when the designer tried to work on you, but you resisted the tools?
Marble tile: Yes, of course I remember. I hate that guy! How could he use those tools on me, it hurt so badly?
Marble statue: That's right! He couldn't work on you at all as you resisted being worked on.
Marble tile: So???
Marble statue: When he decided to give up on you and start working on me instead, I knew at once that I would be something different after his efforts. I did not resist his tools; instead I bore all the painful tools he used on me.
Marble tile: Mmmmmm......
Marble statue: My friend, there is a price to everything in life. Since you decided to give up half way, you can't blame anybody who steps on you now."
The moral of the story is ....
It simply means that the more hard knocks you go through in life, the more you'll learn and put them to use in the future!! Do not be discouraged by setbacks and failures. Past is past, you can't change it but it is actually a blessing in disguise. Past was good, Present is better and the future will always be the best.
Sunday, October 7, 2007
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