Friday, June 23, 2023

Chen Hui | Duke Ph.D. | Engineering

 Degreed Sr. Stress Engineer (BS Engineering, MSME, PhD Mechanical Engineering) with extensive analysis background and 6+ years of experience performing fuselage primary structure analysis at Gulfstream Aerospace Corporation with proven results for analysis for analysis of metallic and composite structures for aerospace. Service Engineering repair experience.


Responsibilities have encompassed:
• Expert in classical hand analysis of aircraft structure of various failure modes.
• Proficient in using FEM to analyze linear and nonlinear static and buckling problems.
• Accomplished the full production cycle in developing three new GAC aircrafts, from CDR structure sizing to final certification report written. Horizontal stabilizer repair experience.
• Proficient in utilizing Finite Element Tools (NASTRAN/PATRAN, FEMAP, HYPERMESH, ANSYS) to perform linear and nonlinear static, modal, buckling, and post-buckling analysis of fuselage airframe structures
Projects/Knowledge:
• Four years’ experience in developing and analyzing composite rotor blade and rotor system structures. Demonstrated experience in static stress and fatigue analyses; rotor system load evaluation and rotorcraft flight performance analysis.
• Seven years’ R & D experience in analysis of helicopter fuselage structures. Accomplished design and analysis of four helicopter models throughout the product cycle. Demonstrate experience in static and dynamic analysis of airframe structures, design & analysis of helicopter vibration isolation systems, and evaluation of helicopter vibration environment using FEM and flight test validation.
• Ph.D in Mechanical Engineering at Duke University. Extensive knowledge in solid mechanics, computational mechanics, linear/nonlinear FEA, mechanics of composites, nonlinear dynamics, and fatigue theory.
• Excellent hand calculation and problem-solving skills; deep understanding of load path. Solid background in mathematics. Proven experience in analysis of metallic and composite structures.
• Expertise in scientific computing, distinguished programming skill, and good experimental technique.

EDUCATION
Ph.D. in Mechanical Engineering, Duke University, Durham, NC, GPA 3.95of 4.0, 12/2004
M. Sc. in Mechanical Engineering, Shanghai Jiao Tong University, China, GPA 3.75 of 4.0, 09/1990


SKILLS
• Computer Language: Excel VBA, Visual Basic, Matlab, FORTRAN 95, C++.
• Software: CATIA V, SolidWorks, FEAMAP, NASTRAN/PATRAN, ANSYS, HyperMesh, VABS, DYMORE, FLIGHTLAB, Maple, MESCOPE, Adobe Illustrator, LaTex, Unix, Windows, Microsoft Office.

IBD Digital | Monthly subscription

 


Trinitry Western University

Wednesday, June 21, 2023

Seekingalpha.com alert | June 21, 2023

  Seeking alert | June 21, 2023 


CCL  $14/share   10% drop

NCLH $18/ share 10% drop

DAL  $38/ share 10% drop 

AAL  $14/ share 10% drop

SABR $3/ share 10% drop

SABR $3.5/ share 10% up 

SABR $4.5/ share 50% up 


FINRA | SABR | Bond | Yield

 Here is the link. #SABR #SABRBond #Bond

Dec. 11, 2023



WordPress Search Plugins

 Best WordPress Search Plugins for Navigation (2023)

 

Updated on March 7, 2023 

 11 Min Read


What’s the most popular activity online? Any guesses? Yes, you are absolutely right. It’s searching. The importance of search engines as a starting point for internet activity is well established.

However, search activity does not end on search engines. These days, it is essential to have in-site search as websites can have thousands of pages in its direction. But how does one include in-site search to a WordPress website? The answer is simple: WordPress search plugins.

Efficient website navigation is crucial for user engagement and a better user experience. Utilizing search plugins is an effective way to enhance website navigation, and WordPress provides multiple options to improve your site’s search functionality. 

This blog post highlights the best WordPress search plugins, detailing their key features and benefits. Whether you’re new to WordPress or a seasoned user, this post will offer valuable insights to enhance your website navigation.

Key considerations for choosing the right wordpress search plugin

  • search accuracy
  • Budget
  • Compatibility
  • User reviews and ratings
  • Support and documentation
15 best WordPress search plugins for improved website navigation
  1. FiboSearch
  2. Ivory search
  3. Relevanssi - A better search
  4. WP extended search
  5. Husky-products filter for WooCommerce professional
  6. Ajax search lite
  7. Search Exclude
  8. Better search
  9. SearchWP Live Ajax Search
  10. WP Google Search
  11. ElasticPress - integrate Elasticsearch with WordPress
  12. Custom search by BestWebSoft
  13. WooCommerce predictive search
  14. Jetpack search
  15. YITH WooCommerce Ajax Search

       

New on TipRanks! Watchlist and Alert Center

12 Best WordPress Search Plugins to Improve Site Navigation

Wordpress plugin | Ivory search - WordPress search plugin >> inverted index

Here is the link. 


Please make sure that the search form is configured to search the tags and the index setting is configured to index tags as shown in the below screenshots.

https://imgur.com/a/mrQjpoK

Please note that you have to rebuild the index after making changes in the Index settings.

Ivory Search – WordPress Search Plugin

 

Description

Ivory Search is a simple to use advanced WordPress search plugin.

It enhances the default WordPress search and also allows you to create new custom search forms.

With Ivory Search, you can create an unlimited number of search forms and configure each search form individually to customize WordPress search and perform different types of searches on site content.

Display the custom search forms on site header, footer, sidebar or widget area, navigation or menu, on pages, posts, custom post types or anywhere on the site using its shortcodes.

KEY FEATURES

  • Perform faster search with inverted index-based search engine.
  • Index and search shortcode contents.
  • Search WooCommerce products.
  • Search images, files and attachments.
  • Customize search form using customizer.
  • Search using AJAX search.
  • Track searches in search analytics.
  • Index and search TablePress shortcode contents.
  • Create unlimited number of search forms.
  • Configure each search forms separately.
  • Configure search form to search specific content.
  • Exclude specific content from search results.
  • Display Search Forms anywhere on your site.
  • Supports multilingual search.
  • Multilingual Search supported by Weglot
  • Integrates with popular plugins such as WooCommerce, Weglot, Polylang, bbPress, WPML etc.

AJAX SEARCH OR LIVE SEARCH

  • Convert any search form including default search form to AJAX search form.
  • Search posts, pages, WooCommerce products, images, files or any custom post type using AJAX search.
  • Exclude any specific content from AJAX search.

SEARCH FORM CUSTOMIZER

  • Use customizer to change search form colors and its text.
  • Choose any search form style from various search forms.

SEARCH SPECIFIC CONTENT

  • Search specific post types such as post, page, product, attachment, forum etc.
  • Search in post title.
  • Search in post content.
  • Search in post excerpt.
  • Search posts having specific category or taxonomy terms.
  • Search in category or taxonomy terms title.
  • Search in category or taxonomy terms description.
  • Search posts having specific custom fields or metadata.
  • Search WooCommerce products SKU. [Premium]
  • Search WooCommerce products variation. [Premium]
  • Search posts created by specific authors. [Premium]
  • Search in author Display name and display the posts created by that author.
  • Search posts having specific statuses. [Premium]
  • Search posts having specific number of comments. [Premium]
  • Search in approved comments content.
  • Search posts created in specific date.
  • Search only password protected posts.
  • Search only posts without passwords.
  • Search all posts with and without passwords.
  • Search specific files, MIME type or media attachments such as images, audio, videos, PDF, documents etc. [Premium]
  • Search in the title, caption and description of images, attachments and media.
  • Search in multiple languages as the plugin supports multilingual plugins such as Polylang, WPML etc.

EXCLUDE SPECIFIC CONTENT FROM SEARCH

  • Exclude specific post types from search.
  • Exclude specific posts, pages, WooCommerce Products, Media Attachments, forums or any custom post type from search.
  • Do not search in the post title.
  • Configure to not search in post content.
  • Configure to not search in post excerpt.
  • Exclude posts from search having specific category or taxonomy terms.
  • Exclude posts from search having specific custom fields or metadata. [Premium]
  • Exclude ‘out of stock’ WooCommerce products from search. [Premium]
  • Exclude posts from search created by specific authors. [Premium]
  • Exclude posts from search having specific statuses. [Premium]
  • Exclude sticky posts from search.
  • Exclude posts from search having specific number of comments.
  • Exclude posts from search created before or after specific dates.
  • Exclude password protected posts from search.
  • Exclude posts from search without passwords.
  • Exclude images, audios, videos, PDF, documents, attachments, files, media, file type or MIME type from search. [Premium]

CONTROL AND EXTEND SEARCH

  • Display search form in navigation menu and configure its functionality.
  • Configure the number of posts to display in search results.
  • Highlight search terms on the search results page.
  • Order posts in ascending or descending order of date, relevance, id, author, title, type, name, comment count, menu order or entirely random. [Premium]
  • Display or hide sticky posts at the top of the search results page.
  • Display an error page or list all posts for empty search queries.
  • Display search forms only to site administrators while testing, before going live.
  • Disable an individual search form or disable searching site wide.
  • Configure stop words which are excluded from search.
  • Option to add word synonyms to provide more relevant search results.
  • Display post_type argument in the search query URL and restrict search to it.
  • Search posts having all or any of the selected category or taxonomy terms.
  • Display content having any or all the searched terms.
  • Fuzzy Matching – Search posts that include the whole search term or search words in the posts that begins or ends with the search term.
  • Keyword Stemming – Also searches base word of searched keyword. [Premium]

Note: some of the features are Premium marked as [Premium]. To have access to those features you will need Ivory Search Premium. You can get Ivory Search Premium here!

We enhanced and re-wrote old Add Search To Menu plugin from the ground up and Add Search To Menu has renamed to Ivory Search.

Wordpress plugin | Index Now

Wordpress plugin | WordPress Robots.txt optimization (+ XML Sitemap) – Website traffic, SEO & ranking Booster

上帝给每个人都有两个包袱

 不管你的人生多么成功,或者多么忧桑,苦与乐是每一个人最切身的体验。人生路上,也许我们无法选择永远快乐,但是当痛苦来临时,我们可以转换面对痛苦的心态和方式。这样,奔走人生路的过程中,我们就会多一些轻省和从容。

 

上帝指派了三个人,交给他们各两个包袱,并且要他们在名为“人生”的道路上竞走,目的地是叫做“幸福”的终点。

 

第一个人走得很痛苦,他觉得身上的包袱沉重,几乎把他压垮;他一路上汗水淋漓,每跨一步,就要流下一行眼泪。

 

第二个人走得很愉快,不过他走的速度很慢,渐渐地也觉得双腿有些发痠。

 

第三个人一边走,一边快乐地哼着歌,而且他健步如飞,一下子就到达了目的地。

 

上帝在终点等待着他们。第一个人忍不住埋怨:“为什么他们走得这么快乐,我却走得这么痛苦?难道你给我的行李特别重?”

 

“不,你们包袱的重量都相同。”上帝回答,“这两个包袱,一个装的是‘痛苦’,一个装的是‘快乐’。由于你把痛苦的包袱挂在前面、快乐的包袱挂在身后,只看得到痛苦,却看不到快乐,当然走得难过又疲惫。”

 

接着,上帝指着第二个人,说:“他跟你正好相反。他把快乐的包袱挂在胸前,痛苦的包袱扔在背上,眼睛看到的都是快乐,一路走来当然喜悦。但是背后的痛苦也会让他心力交瘁。”

 

“至于第三个人……”上帝继续说:“他不但让快乐在前、痛苦在后,还在痛苦的包袱上剪了一个洞。他一面走,痛苦就一面落在地上,身上的担子减轻了,所以走得比谁都快。”


馬太效應是什麼?馬太效應如何影響職場升遷?

 馬太效應是指強者愈強、弱者愈若的現象。資源過度集中在某人、某個組織上,背後的馬太效應,代表的是一種難以僭越的社會心理學。在職場中,不要害怕自己出發點不夠高,只要能看清現局,就能找到反敗為勝的動力。

在職場中,你是否也經歷過機會不均等的現實,也就是資源都往較出風頭的某人身上靠。但其他人,可能花不少力氣,也不一定能加薪或昇遷呢?

「馬太效應」(Matthew effect)最早由美國社會學家羅伯特・莫頓(Robert King Merton)於1968年提出,談的是不同的人、群體,若已經在名聲、財富或社會地位上有所成就,就會產生一種吸引更多機會的優勢,更輕易獲得更多成功。這也進一步成了資本主義社會下,贏者通吃、沒資源難以翻身的原因。

把「馬太效應」應用在學術界中,比起還未成名的博士生、研究人員,聲名顯赫的科學家可能得到更多的掌聲—即便他在某個研究上的功勞並非最大。

最經典的案例,是1974年的諾貝爾物理學獎得主安東尼・休伊什(Antony Hewish)他因為發現宇宙中的脈動星獲獎。但事實上,脈動星其實是他的女學生約瑟琳・貝爾(Jocelyn Bell)找到的,後來被發現她的功勞被否定、完全未被表揚,才引起各界爭議。

馬太效應的緣由

來自聖經,現多反應經濟、社會學等領域

回到「馬太效應」的名稱緣由,來自聖經中馬太福音的故事。一位貴族要遠行,臨行前把三個僕人找來,每個人根據其能力不同、給予5,000兩、3,000兩、1,000兩銀子去經營生意。

及至貴族回來,發現前兩者都獲利翻倍,只有第三個僕人,把錢直接埋到的地底下、絲毫未善用,這時貴族獎賞前兩位僕人、嚴懲第三位僕人,馬太福音的結尾是,「因為凡有的,還要加給他,叫他有餘;沒有的,連他所有的也要奪過來。」

雖然故事原先的寓意,是要人珍惜資源、在職場崗位上勤勞以對。但半個世紀以來,馬太效應被陸續應用在經濟學、社會心理學、教育等領域時,強調的是「富者愈富、貧者愈貧」的現象。

更宏觀一點來看,「馬太效應」原理,影響整個社會選擇過程,導致產業、世代間的資源和人才過度集中化。

馬太效應如何影響大眾

科學界的馬太效應,會讓研究成果愈多的人愈有名,成為所謂的「學術權威」,但同時間壓縮其他同樣專業、卻知名度不足的人申請研究經費、被外界肯定的機會。

在教育界的馬太效應,則讓識字能力不足的學生因為識字困難,造成每日閱讀量少,導致與一般識字量學生的閱讀表現差距愈來愈大。

把學術界的「馬太效應」拉大到國與國之間,台灣一年政府編列的科技發展經費,還不到美國史丹福大學和加州柏克萊大學兩所學校一年經費的總和。若再加上數十所此類名校、許多國家級研究院,台灣和美國的科技研究水平要拉近,就更困難了。

金融業也可印證「馬太效應」的影響。在股市中,常見強勢股強者恆強,弱勢股弱者恆弱。也就是行情看漲的股票,會愈升愈有需求,變成從頭漲到尾的飆股;相反地,如果你手中持股在大多數股票都還很強的時候就率先下跌,就可能弱者恆弱,導致股票價格背離基本價值而暴跌。

在科技業,先進國家能夠開發出更有效率的工具,進一步縮短了開發新產品或新工具的時間,循環累積,就把其他國家遠遠拋在後頭,難以迎頭趕上。例如矽谷一路在網際網路、互聯網、雲端運用、AI大數據上的新創能量,就是基於「馬太效應」原理。(什麼是「鯰魚效應」?一條鯰魚,喚起其他成員的危機意識

馬太效應職場應用

保持優勢並搶先一步,把小成功累積成大成功

回歸到企業經營上,「馬太效應」的啟示是,如果你想要研發某種產品,在某個領域保持優勢,就必須在此領域迅速做大。

墊高初始成本,讓競爭門檻變高,後續競爭者才不容易跟上。當你的市占率變高、邊際成本就下降,有更大的優勢。反之,若無法迅速做大,也要不斷尋找新的發展領域,才能獲得更好的回報。

至於個人在職場上如何應用「馬太效應」?如果你不是擁有明星光環的職人、達人,就必須成為自我驅力堅強的工作者,累積不同里程碑,讓後續馬太效應的好處能夠進來。

比如,同樣是社會新鮮人,不要做跟別人一樣的事情,刻意「領先一步」追尋自我成長、在職進修,花時間努力挖到人生的第一桶金。無論是經驗、人脈、能力、專業知識上的積累,追求可以持續為自己帶來附加價值的勝利,最終才能享受自我提升過程中,由許多小成功累積出來的更大成功、更多資源。

马太效应富者越富,贫者越贫

 《新约·马太福音》中有一则劝人善加投资理财 的故事:

犹太大地主马太要远游一年,便将他的财产扦 付给三位仆人保管。他给了第一位仆人5000金币, 第二位仆人2000金币,第三位仆人1000金币。马 太告诉他们,要好好珍惜并善加管理自己分配给他 们的财富。

马太走后,第一位仆人用这笔钱进行了各种投 资;第二位仆人则买下原料,制造商品出售;第三 位仆人很老实,将钱埋在主人房前的一棵树下。

一年后,马太如期归来,第一位仆人手中的金 币増加了三倍,第二位仆人手中的金币増加了一 倍,马太很高兴。第三位仆人向马太解释说:'我尊 贵的主人,您的钱我没有擅自做主,而是都将它们 保存在安全的地方,今天将它原封不动地交给您。'

马太听了大怒,骂道:'你这愚蠢的家伙,竟不好好 利用我交给你的财富。'于是,马太拿回了这些金 币,赏给了第一位仆人。

这个故事说的就是著名的马太效应。故事中的 第三位仆人受到责备,不是由于他乱用金钱,也不 是因为投资失败遭受损失,而是因为他根本就没有 好好利用这部分金钱。这个故事表明,古人很早的 时候就开始重视投资理财。20世纪60年代,知名 社会学者罗伯特·莫顿首次将'贫者越贫,富者越富' 的现象归纳为马太效应。

犹太人是世界上最为出色的商人,他们经商的 独特之处就在于他们即使有钱也不会存在银行里。 他们很清楚这笔账:把钱存在银行里确实可以获得 一笔利息收入,但是由于物价的上涨等因素,支出 基本上和这部分收入相抵消了。所以,犹太人有钱 了一般多是投资实业,要么放贷。他们绝对不会将 钱放在银行里'睡觉'。犹太人这种'不做存款'的秘 诀,其实正是一种科学的资金管理方法。

中国也同样有这样的俗语,叫作。有钱不置半 年闲''人两脚,钱四脚',这就是很有哲理意味的理 财经,指出了合理使用资金,学会投资理财,千方 百计加快资金周转速度,用钱赚钱的真谛。

《思想致富》中有这样一段表述:'上天赐予我 们每个人两样伟大的礼物——思想和时间'。现在 是时候运用这两样东西去决定你自己的未来了。如 果把手上的钱毫无计划地花掉,那么你满足了一时 的欲望,却最终得到了贫穷;如果你精于投资理 财,把手上的钱投资在可长期回报的项目上,那么 你就可以实现你的财富保值、増值。

在现实生活中我们也可以发现,任何个体或是 地区,如果能够在某方面,如金钱、名誉、地位等 获得成功和进步,就会产生一种积累优势,就会有 更多的机会取得更大的成功和进步。比如,某个行 业或产业的产品或服务品牌知名度越大,品牌的价 值就越高,其忠实的消费者就越多,势必其占有市 场的份额也就越大,盈利也就越多。

对于个人而言,即便是再小的财富,只要你认 真积累,精心管理,时间久了,也就积累了更多的 财富。马太效应告诉我们,善理财者会更富有,而 不懂得运作金钱赚钱的人只会在贫困中蹉跎度曰。

才干的比喻(太25:14-30)

 耶稣关于工作最重要的比喻之一,是关于投资的比喻(太25:14-30)。一个有钱人分派他的仆人管理他的财富,很像今天的投资者在市场里所做的。他给了第一个仆人五千银子(这是一大笔钱)[1] 两千银子给第二个仆人,一千银子给第三个仆人。其中两个仆人藉由基金交易赚回了百分之百的收益,但是第三个仆人将银子藏在地底下,一无所获。财主返家后,奖励了两位赚钱的仆人,却严厉地惩罚了那个什么也没做的仆人。

这个比喻的意义远远超出了金融投资。上帝已经赐给了每个人各种各样的恩赐,祂希望我们运用这些恩赐来事奉祂。若仅仅将那些恩赐摆上壁橱架蒙尘,是不能被接受的。就像这三个仆人,我们拥有的恩赐各不相同。上帝希望从我们身上得到的报酬,与我们得到的恩赐相称。那个收到一千银子的仆人并不是因为没有赚到五千银子受责;他被谴责,是因为他没有用自己的恩赐做任何事情。我们从上帝那里收到的恩赐和礼物,包括技能、能力、家族关系、社会地位、教育、经验等等。这个比喻的重点是,我们必须要运用我们被赐予的一切,以完成上帝的旨意。发生在那个毫无产出的仆人身上的严重后果,远远超过平庸业绩所触发的结果,这是要告诉我们投资自己的生命,不要浪费。

然而,在此比喻中,用于投资的特殊才干(talent)就是金钱,在当今大约可值一百万美元。现代英语掩盖了这一事实,因为他连得(talent)这个词主要被用来指称技能或能力。但是,这个比喻与金钱有关。它指出,如果以敬虔的方式成就敬虔的目的,那么投资而不是囤积,就是一件敬虔的事情。最后,主人称赞这两个值得信赖的仆人,说:“好,你这又良善又忠心的仆人”(太25:23)。从这句话我们看到,主人关心的是结果(“好”)、方法(“良善”),和动机(“忠心”)。

对于职场更直接的应用,是将资本投入有风险的投资,以追求回报。有时候,基督徒或认为谈论投资增长、生产和回报,对上帝来说是不圣洁的。但是,这个比喻推翻了这种概念。为了上帝的国度,我们应该在工作中投资我们的技能和能力,也应投资我们可运用的财富和资源。这也包括生产所需的商品和服务。教导主日学的志愿者在履行这个比喻。那些开始一个新事业、提供就业机会给别人的企业家,发起艾滋病宣传运动的卫生服务管理人员,开发创新过程的机器操作员也是如此。

上帝并没有赋予人相同的或完全相等的恩赐。如果你尽所能地运用上帝赏赐给你的恩赐,你会听到祂说“干得好”。不仅恩赐如此,人也具有平等的价值。同时,在这个比喻的结尾处,有十万银子的人得到了第三个仆人身上拿走的银子。平等的价值并不一定意味着平等的报酬。有些职位需要更多的技能或能力,因此应该得到相应的报酬。那两个做得很好的仆人得到了不同金额的奖励。但是他们都获得了相同的赞词。这暗示说,若我们运用所得的一切才干,为了上帝的荣耀而尽力的时候,就跟上帝其他忠心的、值得信赖的仆人站在了同等的平台上。

Tuesday, June 20, 2023

月收入3000在中国是什么水平?专家给了答案

 月收入3000元到底是什么水平?一位专家最近给出了“权威答案”。

近日浙江大学资深教授李实在接受采访时表示:

根据我们的测量,2022年我们中等收入群体的规模大概达到了4.6亿人左右。平均到一个人身上,每个月3000元左右的收入,基本上就可以达到中等收入群体的标准。

这些年来,再没有什么话题比讨论收入多少更能撩拨到流量的敏感神经了。这一次专家的发言,再一次引发了“被平均”的全网吐槽。

01

大家的反对点有很多层次,比如有人认为月入3000元连维系基本生活开销都不够,也有声音认为虽然自己月薪3000元,但是远没有中产的幸福感可言。总的来说就是一句话:所有人都认为,3000元的标准就能够被称为中等收入群体,太低了。

其实这一次,专家还真没有说错。因为无论是按照公开官方统计数据还是此前的权威人士表态都能够看出,在全国有6亿人月收入不足1000元的情况下,月收入达到3000元,自然算不上是低收入群体。

而且,其实早在2019年时国家统计局发布《2018年全国时间利用调查公报》中就对不同收入群体给出具体划分标准:月收入在2000元以下为低收入群体,月收入2000-5000元为中等收入群体,月收入5000-10000元为较高收入群体,月收入10000以上为高收入群体。

也就是说,月入3000元,是官方认定的中等收入群体标准。不过即便是在数据公布时便引发了巨大争议;这一次,专家的测量尽管从学术上再一次印证了这一点,但是从大家的观感上来看,绝大多数人依然拒绝接受这一点。

为什么?

02

自工业革命以来,对于中等收入群体、中产阶级等等的人群划分在各个国家都一直存在着巨大的争议。

西方常见的以收入为衡量标准的方法有两种:一种是对比家庭收入,按人们的收入按高低排列,将处于最高和最低收入中间的50%的人定为中产阶级,另一种是排列最低到最高收入的家庭,列出中等收入(中位数),将那个数字的50%到150%列为中产阶级。

但其实,除了收入之外,全球也有根据受教育程度、从事的职业类型等等分类模式,甚至还有从消费能力来判定的。

只不过收入是最为直观、大家也最热衷于讨论的标准。

应该说,如果我们横向比较东南亚的发展中国家,月收入3000元确实并不算低。这个收入是在三四线小县城公务员且没有房贷压力的情况下,当然也能获得相对比较体面的生活。

但是,当我们的人均GDP已经站在中等收入国家的门槛之上时,那我们理应有更高的要求。而且,如果把这个收入水平放在北上广深这样的一线城市,即便是一个普通的合租单间的租金可能都不够支付,更不要说养活自己了。

因此,中等收入群体更多还是一种动态的评价机制,其与所在区域的消费水平、房价都有着极为密切的关系。

其实在那篇采访文章中,浙大教授李实也说明了,“中等收入群体的标准只考虑收入,有人可能刚刚越过这个标准的门槛,日子过得还是很艰难。即使在发达国家,绝大部分人都不认为自己是中等收入群体。”

当年日本可能是个例外。在经济最为繁荣的时期,是有过“一亿总中流”的国民期待的。在上个世纪六七十年代,有九成日本人认为自己属于中产阶层。

但随着日本经济泡沫的破裂,日本进入了贫富差距分化严重的格差社会,这也是大前研一“高收入人群和低收入人群各居两端,并且贫富差距不断拉大”的M型社会理论来源。

但摆在我们面前的难题就像是“未富先老”一样,我们当下面临着或许相比日本当年更为困窘的现实:在巨大的人口基数之下,即便是月收入3000元这样一个看似明晰的人群划分标准也是没有意义的。

月入3000元零花、在小城市住着大平层的人,与在北上广早出晚归、合租2500元单间的人,完全没有任何归类和可比价值,人与人之间的贫富悲欢并不相通。

03

而无意义的标准所导致的身份焦虑,其原因其实很简单:当一个人或者家庭承担着与收入不匹配的开支、账本的收支两端严重失衡之时,无论月收入是3千元还是3万元,都会认为自己不配“中产”。

在消费社会所描摹的美好图景里,中等收入群体本应该过着体面的生活——有独立的房产、可供支配的余钱以及消遣的时间,丰富的业余生活。

在多方的共同努力下,它形成了一个美好生活的乌托邦,标志着现代社会的“中流”。这也符合弗朗西斯·福山的定义,“我所说的‘中产阶级’指的是处于高收入和低收入之间的社会阶层,至少接受过中等教育,拥有不动产、耐用品或自己经商。”

但我们可能没有想过的是,中产的多少,其实一定程度上只是结果,而不是原因。因为我们所期待的橄榄型社会、中产人群的扩大,良性的情况是低收入群体的上升而不是相反。但是,从法拍房的数量、老赖的数量,从网约车和外卖员的从业满员,我们得以窥见中国家庭的资产负债表的一角。

近期,中指研究院发布的数据显示,2022年,我国法拍房共挂拍60.6万套,同比增长35.7%,全国法拍房市场规模已经增至1.4万亿元。而按照中国执行信息网公开的数据显示,全国失信被执行人已经突破800万。

法拍、老赖、灵活就业,固然从个体层面有各种各样的悲剧和不得已,但从宏观上来看,原因只有一个:别说成为有钱有闲的中产,许多家庭的资产负债表正在面临极限挑战。

上海财经大学校长刘元春前些日子就发文警示过居民资产负债表的压力。他认为,虽然居民一季度收入同比增长5.1%,实际增速3.8%,但4%左右的居民收入增长并不足以给“拉动消费的关键人群”在收入和资产负债表带来明显拉动效应。

这是由于在疫情期间,很多中低收入人群的收入分配状况有所恶化,典型事实就是中低收入阶层占整体收入比重和占GDP比重是下降的。这也就是说,我们启动消费最为核心的载体——中低收入人群的收入没有明显增加,这值得我们高度关注。

此外,更需要未雨绸缪的是,即便是配称为“中产”的那一波人,从负债表角度来看也是极端脆弱的。

根据央行 2019 年进行的调查,我国城镇居民配置比例最高的资产还是房地产,住房加上商铺配置比例高达66%。也就是说,房地产的价格很大程度上决定了中国家庭的资产状况。

但在2022年房地产市场预期出现大幅度逆转之后,房地产市场的波动,首当其冲的是家庭资产——当月入3万的大厂中产遭遇中年毕业,另一头却是每个月一两万的房贷,而且很有可能这一房产相比他购置的时候还是在贬值的。

在如今这种情况下讨论中产,毫无意义可言。对于真正关心经济的专家学者们来说,与其花工夫去测量一个有争议的身份标签,不如多去看看,中国经济当前到底正在发生着什么。

Bond

Where Can I Get Bond Market Quotes?

 However, there are also free tools available that provide some basic information. One such resource is the Yahoo! Bond Center, which offers several tools that allow individuals to search for a specific bond or scan for a bond that meets an individual's specific investment needs.

For example, say you have a Ford Motor Co. (NYSE: F) bond that matures in June 2020. Go to the Yahoo! Bond Center and enter Ford Motor into the "Bond Lookup" tool on the left of the screen; this will bring up a list of Ford Motor bonds. Look for your bond in the list (it may help to use some of the sorting features, such as maturity) and once you find it, click the name of the bond. This will take you to a quote that includes the bond's current price, the coupon rate, the yield to maturity (YTM), bond rating, and other pertinent information.

US High Yield CCC Effective Yield (I:USHYCCCE) 13.84% for Jun 16 2023

Google play | Annual subscription

 


Monday, June 19, 2023

Jonathan Kehayias

 Jonathan Kehayias is a Principal Consultant with SQLskills. He is the youngest person ever to achieve the Microsoft Certified Master – SQL Server certification and has been a SQL Server MVP for many years. Jonathan is heavily involved in the SQL community; including being a top answerer on the MSDN Database Engine forum, writing deep technical content on his blog (plus his old blog), and answering questions as @SQLPoolBoy on Twitter.

Jonathan is one of the world authorities on Extended Events—he wrote the definitive whitepaper on Extended Events for Microsoft, authored the Extended Events Manager SSMS add-in for versions prior to SQL Server 2012, which won the PASS 2008 SQL Hero contest, and blogged a month-long series on Extended Events that illustrates many practical uses for Extended Events. He has a thirst for knowledge and digging into the innermost workings of SQL Server that is truly inspiring. Jonathan constantly impresses us with how much he knows and how quickly he adds new areas of expertise to his already impressive repertoire.

Jonathan is a performance tuning expert, both SQL Server and hardware, and has architected complex systems as a developer, business analyst, and DBA. This breadth of role experience, along with extensive development (T-SQL, C#, and ASP.Net), hardware and virtualization design expertise, Windows expertise, Active Directory experience, IIS administration, and other component knowledge makes Jonathan an incredible addition to our team. He has also presented at multiple conferences including PASS, SQLBits, VMware Open Forum, and SQLintersection. Jonathan was ranked fourth overall from presenters at the first ever PASS SQL Rally in Spring 2011.

In addition Jonathan teaches part of the SQLskills Immersion Events on Performance Tuning and on High Availability, and was an instructor for the SQL Server portion of the Microsoft Certified Master – SharePoint certification for Microsoft.

Jonathan is also a Retention Sergeant First Class in the U.S. Army Reserves, previously was a Drill Sergeant, and did a tour of duty in Iraq in 2004. He has two young children and describes himself as a ‘general goofball’. In all seriousness though, his dedication to his family, his country and his work is without doubt extraordinary.

Jonathan can be reached at jonathan@sqlskills.com.

Understanding Event Loss with Extended Events

Thieves Found Citigroup Site an Easy Entry | 2011

SQL injection attack | 2011 Citigroup hack

 Throwback Hack: The Citigroup Hack of 2011

 

In 2011 (dubbed “The Year of the Hack”), the third-largest bank by assets at the time, Citigroup Inc, suffered a major attack by hackers. By sheer size and vast amount of wealth, Citigroup was an attractive target for hackers.

The Breach:

Sometimes the biggest hacks are the simplest, as was in the case of the Citigroup data breach. Using Citigroup’s customer website as a point of entry to get past traditional security defenses and to impersonate credit card holders, a group of sophisticated hackers broke into the bank’s vault of data and financial information—navigating for months before being detected.

The witty thieves involved in the Citibank hack leapfrogged between the bank accounts of various Citi customers by inserting different account numbers into the string of text found in the browser's address bar. The hackers wrote code that would repeat this process several hundreds of thousands of times which was the primary method of data collection. By hacking standards, this was a simple job to execute, but its genius lies in using an overlooked gateway - the website’s vulnerabilities to get in.

The Aftermath:

By the time Citibank realized it had been hacked, approximately 360K of the North American Citigroup's accounts were affected by the data breach. Customer names, account numbers, and contact information were accessed, but the company maintains that critical data to commit fraud was not compromised such as expiration dates and three-digit card security codes.

Approximately 217K customers were reissued cards and were given a notification letter, while the other remaining accounts were fortunately inactive. A notification was not issued until about nine days after the breach was discovered. It took about seven days after discovery to identify the affected accounts which were comprised of about 1% of the 21 million North American Citigroup customers. Ultimately, the total loss from the Citibank hack resulted in a $2.7 million loss for the company.

The Data Breach Market is Growing:

In 2011, many security pundits were scratching their heads wondering why so much hacking was happening. Experts answered that due to the increased amount of information being stored online, there is a correlation to the increased number of cyber-attacks.

Hackers are not interested in just stealing money, with critical information such as contact information and ID numbers, they can sell the raw materials on the black market, a market that has been valued in the billions. The black market started small but has been growing into a much more sophisticated marketplace saturated with brokers selling information on the internet bazaars. Criminals then use the stolen information to impersonate credit card owners and to buy merchandise.

In addition, many organizations are not taking cybersecurity very seriously, which leaves numerous vulnerabilities, and this is just too attractive for hackers to ignore.

Key Takeaways:

  • The biggest lesson from the Citigroup data breach is to have your website audited by professionals. If Citigroup had audited the site and repaired the vulnerabilities none of this would have happened.
  • A secondary lesson is that Citigroup should have publicized the breach on the day that it occurred. This would have reassured their customers that they are being transparent and taking the matter seriously.

Although this data breach occurred nearly four years ago, many of the techniques are still prevalent today. It's a shame, however, how many breaches have occurred since 2011 illustrating the lack of urgency around data theft prevention and security from corporations today. Due to the lack of urgency coupled and the precipitous rate of growth, we are seeing major growth in the "black market." It will be interesting to see what it will take for companies to put security and risk prevention at the top of their to-do-lists.

旧金山天堂坠地狱

这是美国最著名的城市之一:旧金山,一个无比繁荣的地区,这里是无数人美国梦起步的地方,创业者的天堂,云集了优步、爱彼迎、Twitter与Yelp等科技巨头的总部。这是美丽的“湾区之城”,多年来一直是美国西海岸的一个目的地,金门大桥一直是游客们不容错过的打卡圣地。

但是如今的旧金山,却正在陷入经济学家所说的“城市死亡循环”,无数的街头流浪汉和蔓延的毒品,让城市变得危险又肮脏。而经历了新冠疫情后的“居家办工”政策,也在让这座城市陷入到经济困难。

各种服务业关门和科技人才的离开,为旧金山的衰败敲响了警钟,但极左的政府,对于犯罪和流浪汉的视而不见,将旧金山推进了一个“死亡循环”中.... 

旧金山知名商场关门


最近,引起旧金山与美国市民震惊的一条新闻,是诺德斯特龙百货公司 (Nordstrom)决定在8月关闭。诺德斯特龙百货公司是一家美国高档时装零售公司,鞋类,服饰、饰品、手袋、珠宝、化妆品和香水的销售都有涉及。上个月,西田集团将诺德斯特龙撤走的原因归咎于“不安全的环境”和“对猖獗的犯罪活动缺乏执法”。

这让旧金山陷入困境的市中心再次受到打击,诺德斯特龙的撤出,直接导致了商业中心承租方的西田集团(Westfield)连锁撤离,如今西田已停止为旗下的大型购物中心支付抵押贷款,而西田集团拖欠的贷款达到了5.58亿美元。

西田集团表示旧金山“前所未有”的糟糕表现与他们在其他地方的物业形成鲜明对比。

新冠疫情之前,旧金山中心在2019年的销售额为 4.55 亿美元。去年,销售额下降了约三分之一到2.98亿美元。西田的旧金山购物中心包括120万平方英尺的零售空间和30万平方英尺的办公室。在关闭时,整个购物中心将只会出租55%的地方,而西田其他地方的出租率平均为93%,差了快一半。

2022年1月至2022 年12月期间,旧金山的客流量(指进入商店或商场的人数)总计为560万人次,下降了42%。2019年,这个数字是970万次访问。

不止西田,旧金山市中心的多家零售商和酒店都选择“关店大吉”。4 月,全食超市(Whole Foods)就宣布为了“确保员工的安全,将关闭在市中心的旗舰店”,这次关店的导火索,是一位吸毒过量者死在了全食超市的卫生间里。

而百货连锁Target(塔吉特)的一名员工表示,店里被抢劫的频率“每十分钟一次”。2019年,在旧金山联合广场地区开业的203家零售商中,只剩下107 家仍在营业,短短几年中下降了 47%。包括Lululemon、优衣库,始祖鸟,Ray Ban和Christian Louboutin在内的一些受欢迎的品牌也先后撤离。

写字楼搬空 酒店破产

与西田购物中心相隔仅一个街区,租户雅虎和欧特克的租约也相继到期,而旧金山纪事报所在的大楼到秋季时将面临60%的空置率。相邻的415 Natoma办公楼空置率更是成为“鬼楼”,空置率为97%。

近几个月来,由于行业低迷,总部位于旧金山的许多主要科技公司,例如Meta、谷歌、赛富时和推特等也裁员了数万个工作岗位。

工作的人少了,来旅游的人也在锐减。因为疫情和安全的问题,旧金山已经不再是美国的热门目的地。与2019年相比,该市的过夜游客下降了31%。虽然游客人数正在逐年恢复,但严重的社会问题又再浇灭原本复苏的火苗。与此同时,各种大型会议活动的组织者开始选择拉斯维加斯等城市举办活动,旧金山开始被抛弃。

越来越少的游客,导致酒店业可谓是举步维艰,现在每间可用客房的收入比 2019 年下降了近 23%。和纽约,洛杉矶,西雅图,圣迭戈相比,旧金山是唯一一个酒店房价尚未恢复到2019年水平的城市。

房地产投资信托基金Park Hotels & Resorts周一宣布,它已拖欠旧金山联合广场希尔顿酒店(该市最大的酒店)和Parc 55酒店高达7.25亿美元贷款。这些酒店共有2,945间客房,占该市客房总数的9%。除了Park公司外,还有30多家酒店的房产贷款将在未来两年内到期,偿还这些贷款已经是难上加难,而后果则会是旧金山酒店大面积的破产。

Using SQL Cache Dependencies (C#)

Caching Data at Application Startup (C#)

Inside NGINX: How We Designed for Performance & Scale

Here is the article.

NGINX leads the pack in web performance, and it’s all due to the way the software is designed. Whereas many web servers and application servers use a simple threaded or process‑based architecture, NGINX stands out with a sophisticated event‑driven architecture that enables it to scale to hundreds of thousands of concurrent connections on modern hardware.

The Inside NGINX infographic drills down from the high‑level process architecture to illustrate how NGINX handles multiple connections within a single process. This blog explains how it all works in further detail.



THE HEALTH BENEFITS OF HIKING

Michelle Ingrid Williams

 米歇尔·英格丽·威廉斯(英语:Michelle Ingrid Williams,1980年9月9日),美国演员、歌手。她于1990年代初在电视上出道,在1998年至2003年间凭借WB电视网青春剧《恋爱时代》中的简·林德利一角取得知名度。她也开始接拍长篇电影,包括《月光光心慌慌7》(1998)、《迪克》(1999)和《我的忧郁青春》(2001)。

自2000年代起,威廉斯主要出现在独立剧情电影中,在影评界广受好评。2005年电影《断背山》是她职业生涯的高光作品之一,使她获得了奥斯卡最佳女配角奖提名。她随后参演了《我不在那儿》(2007)、《纽约提喻法》(2008)和马丁·斯科塞斯执导的《禁闭岛》(2010)。威廉斯在2008年影片《温迪和露西》中的流浪者角色为她赢得了赞誉,她在《蓝色情人节》(2010)中与瑞恩·高斯林演对手戏,获得了奥斯卡最佳女主角奖提名。2011年,威廉斯在《我与梦露的一周》中出演玛丽莲·梦露,赢得了金球奖最佳音乐及喜剧类电影女主角奖,也获得了她的第三个奥斯卡奖提名。2017年再凭着《海边的曼彻斯特》获得奥斯卡最佳女配角奖提名,而在2022年又凭借《法贝尔曼》三度获提名奥斯卡最佳女主角奖。

Quora.com | Google processes 40k searches per second. On average, a web server can handle 1000 requests per second. Does that mean Google can run using only 40 web servers?