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每个月房贷3500,意味着什么?
Hu Xiu· 2025-10-21 02:32
本文来自微信公众号:毛豆吃不腻,首发于2025年9月2日,作者:毛豆,题图来自:AI生成 周末在家,聊到朋友圈都是晒小孩开学典礼的照片,有的高大上,有的条件不如意。 其中我说到之前那个看了几次房没买的表弟(详见:《买房不如租房》),他家给孩子转学了,新学校 的环境一言难尽。 我小孩说,真不明白,他们怎么就不买房让孩子上个环境好点的学校呢? 我队友说,因为他们现在工作不稳定,因为没办法全款买房,因为怕背上房贷压力大,因为担心房价还 会跌。 我小孩撇嘴,表示不理解,这有什么压力的。 我马上接过话茬说,你不当家真是不知柴米油盐贵。 像我们这种上有老下有小,收入又不是很高的普通家庭,只要背上了房贷,那就像头驴一样根本停不下 来了。 你看我现在工作这么不顺心,想辞职都不敢,哪怕被工作累哭,也只能擦擦眼泪调整心态继续干。 不然我要是失业了,光靠你爸一个人赚钱,压力太大了。 队友听我说完,指着桌上的四盘菜对小孩说,要是你妈失业了,我们就不能这样吃香的喝辣的,想吃什 么就吃什么了。 说完,我俩沉默良久。 我家的房贷,每个月3500元左右。 一 我一个人的工资倒也能搞定, 虽然降薪了,可好歹还能覆盖房贷、物业费和水电燃气费。 ...
曹德旺辞职,将1700亿福耀玻璃传承给曹晖
Hu Xiu· 2025-10-21 02:25
"曹晖,我的儿子,论水平论资历他都不如你们,但是他有一个比你们强,他是我曹德旺的儿子,"这是 多年前曹德旺在一档节目中提起自己儿子时亲口说的话。曹德旺把1700亿的福耀玻璃交给儿子曹晖,理 由很直接:"他是我儿子"。 ...
致女儿小松花的第一封信:你就这样来到这个世界上
Hu Xiu· 2025-10-21 02:19
然而10月18日凌晨5点,你本来做好悲壮准备的母亲开始感受到规律的疼痛,在疼痛持续半小时后,我们意识到情况不同以往,晚些洗澡时脱落的宫颈粘 膜更是印证了这个判断。吃完了早饭(你妈妈很后悔只吃了一根芝士香肠),我们和你的奶奶和姥姥便打车前往医院,幸运地拿下最后一个套间,在检查 室签署海量的文件。 小松花: 见信好。 此时此刻,你的生物学父亲(并不是每个男人都有我这样十足的信心,这份信心源自对你伟大母亲的信任),也就是我,正在香港大学深圳医院昏暗的待 产房里,听着中央空调和血压仪收缩的声音,窝在充满抓痕的旧沙发上,用iPad敲下这些文字,为你出生的过程做些记录,也让未来我们一起回忆这段甜 蜜时光时,能提升一点颗粒度。 套用当下最流行的MBTI十六型人格理论,你是一个很J的孩子。 你在妈妈肚子里待满40周的预产期是10月18日,由于你的很多姨姨都在满37周发动,所以早在国庆假期前,你同样很J的母亲就做好了致敬前辈的准备, 敦促我收拾好了待产包和住院的行李,还威逼我把电脑搬出你的房间。于是我丧失了独自熬夜玩《空洞骑士:丝之歌》的机会(愿你也能玩到这么好的游 戏)。只能说我因此增加的寿命,背后也有你对我的一片孝心。 但 ...
侯晓迪Alignment 2025演讲:穿越热潮周期,硬技术公司的生存之道
Hu Xiu· 2025-10-21 02:13
硅谷101的年度科技大会上,不少演讲嘉宾分享了极具价值的观点,我们将会把一些重要观点逐渐整理 上线。这期我们来看看侯晓迪对创业的看法,他认为在"后热潮时代",生存发展应该是:忘掉估值,回 归正常的商业逻辑——像经营一家餐厅一样思考成本与收入。 ...
一个原教旨主义产品经理眼中的世界
Hu Xiu· 2025-10-21 01:54
Core Insights - The discussion focuses on product methodology and the philosophy of growth rather than specific details about the company or its vehicles [2][4]. Group 1: Personal Background and Philosophy - The guest, Fan Haoyu, has 25 years of experience in product and design, having worked in various industries including mobile, gaming, and automotive [3][4]. - Fan's move to Li Auto was motivated by a desire to return to Beijing, a city he finds historically rich and vibrant [5][6]. Group 2: Observations on Beijing and Market Dynamics - Fan notes a shift in Beijing's atmosphere over recent years, with a decline in the sense of ambition and an increase in anxiety among residents [7][9]. - Despite challenges, there remains a continuous influx of young people into Beijing, indicating the city's enduring vitality and potential for innovation [12][13]. Group 3: Product Design and User Experience - Fan emphasizes the importance of observation and understanding in product design, advocating for a process that combines creativity with practical resource allocation [31][38]. - He describes his approach as a "fundamental product manager," focusing on the iterative process of observation, understanding, and combination to achieve optimal solutions [36][37]. Group 4: User Needs and Market Segmentation - The complexity of user segmentation in China is highlighted, with many feeling underrepresented despite an oversupply of "useful" products [73][75]. - Fan suggests that successful products must cater to both the recognition needs of urban consumers and the accessibility needs of lower-tier markets [79]. Group 5: Future Trends and AI Impact - The conversation touches on the transformative potential of AI in product design, suggesting that future products will become increasingly personalized and user-centric [66][69]. - Fan predicts that the role of AI will evolve to facilitate more direct and individualized interactions between users and products, potentially creating new intermediary roles [70][71]. Group 6: Product Lifecycle and User Engagement - Fan outlines a framework for evaluating product success based on user reactions, emphasizing the importance of generating surprise and delight [172][175]. - He argues that a product's ability to engage users over time is crucial for its long-term success, with "interesting" experiences being a key differentiator [55][176]. Group 7: Balancing Utility and Enjoyment - The discussion highlights the need for products to be both useful and enjoyable, with a focus on creating meaningful connections with users [198]. - Fan stresses that while data is important, personal intuition and user feedback should guide product development [120][128].
真实的降维打击是什么?
Hu Xiu· 2025-10-21 01:47
Core Points - The article discusses the concept of dimensional reduction in physics, illustrating how theories evolve from higher dimensions to lower dimensions, ultimately affecting human understanding of the universe [1][2][3] Group 1: Dimensional Reduction Theories - The first layer is M-theory, which operates in 11 dimensions and reduces to string theory through various projections [4] - The second layer is string theory, which exists in 10 dimensions and includes 3D space, 1D time, and 6D Calabi-Yau manifolds, influencing the types of fundamental particles and physical constants in the universe [5][6] - The third layer is General Relativity, which reduces from string theory in low-energy limits and connects to the concept of gravitons [9] Group 2: Further Reductions - General Relativity can further reduce to Special Relativity under conditions of flat spacetime and no gravity [10] - Special Relativity reduces to Newtonian mechanics when objects are moving at speeds much lower than the speed of light [11] - Newtonian mechanics is described in a 3+1 dimensional framework, emphasizing the complexity of truly understanding it [12] Group 3: Quantum Field Theory - Quantum Field Theory, considered a fourth layer, is composed of Quantum Yang-Mills theory, Higgs mechanism, and fermionic field theory [14] - Under certain conditions, Quantum Field Theory can reduce to Quantum Electrodynamics [15] - Quantum Electrodynamics can further reduce to Maxwell's equations in low-energy and non-relativistic limits [16][17] Group 4: Historical Context and Challenges - The article highlights the historical significance of Yang-Mills theory and its revival after being initially dismissed, showcasing the complexity of applying classical theories to quantum contexts [18][19] - It also discusses the contributions of mathematicians like Hilbert and their impact on the development of theories in physics, contrasting them with physicists like Einstein [20][21]
匈牙利峰会与历史书上的普京
Hu Xiu· 2025-10-21 01:27
当地时间10月16日,特朗普在个人社交媒体上证实,与俄罗斯总统普京进行长达两个半小时的电话会谈。 会谈是俄方主动发起的,有媒体猜测是想抢在泽连斯基赴美之前先给特朗普"下药"。 通话期间,特朗普提议于未来两周左右在匈牙利首都布达佩斯举行高峰会,以寻求战争结束,具体日期取决于先前两国外长的会晤结果。 不同于泽连斯基以及欧洲政治人物,普京可以在一些敏感议题上尽情挑特朗普喜欢的说,诸如:2020年大选是你赢了,拜登偷走了选举胜利; 如果是你在,这场战争根本就不会发生;你是今年和平奖当仁不让的得主,那些左派人士对你有偏见…… 正因如此,乌克兰和欧洲国家其实很不希望二人接触。 上次阿拉斯加会晤结束后,欧洲派出了包括英国、法国、德国、意大利领导人,欧盟委员会主席冯德莱恩、北约秘书长吕特和芬兰总统斯塔布 在内的强大阵容第一时间赴白宫磋商,好不容易才把特朗普给"拉"回来。 而就在10月16日的通话后,特朗普立场果然又发生了转变。 次日与泽连斯基会谈时,他明确拒绝向乌克兰提供"战斧"导弹,美媒称白宫会谈"气氛紧张",泽连斯基本人则表示"对话尖锐"。 根据媒体放出的消息,普京在谈话中做了一些让步——在继续坚持要求乌军退出顿涅茨克州 ...
剖析智元机器人:一场关于人才与资本的博弈
Hu Xiu· 2025-10-21 01:27
Core Insights - The article discusses the strategic positioning and organizational structure of ZhiYuan Robotics, highlighting its plans for an IPO and its unique approach to innovation and commercialization [1][2][3] Company Overview - ZhiYuan Robotics plans to launch an IPO in Hong Kong by 2026, targeting a valuation between 40 billion to 50 billion HKD, although the company has denied these claims [1] - The company is projected to generate approximately 100 million RMB in revenue in 2024, with expectations to multiply this revenue in 2025 [1] Leadership and Organizational Structure - The leadership team includes key figures from Huawei, indicating a strong influence from the tech giant, yet ZhiYuan operates independently with its own unique identity [2][3] - The company employs a "dual mechanism" for management, separating teams focused on innovation from those responsible for commercialization, allowing for both creativity and practical application [4][5] Talent Acquisition and Management Philosophy - ZhiYuan prioritizes hiring individuals with hands-on technical expertise rather than those with extensive management experience from larger corporations, aiming to foster a culture of innovation [5][6] - The company maintains a flexible organizational structure that encourages interaction between innovation and implementation teams, enhancing efficiency and output [6][7] Business Strategy and Market Positioning - ZhiYuan's business strategy is shifting from direct sales to a partner-first approach, indicating a transition from a startup to a more established company model [8][9] - The company has secured significant investments from major players like Tencent and JD.com, which not only provide capital but also enhance its supply chain and market reach [9][10] Ecosystem Development - ZhiYuan is forming a robust ecosystem by collaborating with various industry partners and establishing joint ventures, positioning itself as a platform that integrates upstream and downstream resources [12] - The company is also exploring consumer markets, having launched several robotic products on platforms like JD.com, although its primary focus remains on B2B sales [12][13]
构建一座美国版“新城”,到底有多难?
Hu Xiu· 2025-10-21 01:21
Core Insights - The article discusses a major urban development project called "California Forever" in Solano County, backed by prominent Silicon Valley investors aiming to create a new city from scratch [2][6] - The project includes a detailed plan for Suisun City's expansion, which envisions accommodating 400,000 residents and creating tens of thousands of high-paying manufacturing jobs over the next 40 to 50 years [3][31] Group 1: Project Background - The project began with Flannery Associates acquiring 60,000 acres of farmland in Solano County, investing over $800 million since 2017, leading to various speculations about foreign interference and military conspiracies [5][6] - Due to local regulations requiring voter approval for converting agricultural land to urban development, the project faced significant political challenges [7][9] Group 2: Urban Planning Innovations - The "Suisun Expansion Specific Plan" represents a radical departure from traditional suburban sprawl, incorporating principles of New Urbanism and Smart Growth [17][31] - The plan emphasizes high-density housing, mixed-use developments, and a robust public transportation network, aiming to create a self-sufficient "15-minute city" [25][30] Group 3: Economic and Social Implications - The project aims to address California's housing affordability crisis by reducing construction costs through innovative land use and eliminating minimum parking requirements [24][38] - It promotes the integration of high-quality job opportunities within the community, responding to the trend of reshoring manufacturing jobs to the U.S. [42][41] Group 4: Challenges Ahead - The project faces the challenge of achieving the necessary population density to support its ambitious public transport and commercial infrastructure [44] - Political complexities arise from merging a new city with an existing small town, raising questions about governance, tax distribution, and community integration [46][47] Group 5: Broader Implications - "California Forever" is positioned as a significant social experiment, testing whether technology-driven planning can effectively address complex urban issues [50][51] - The project invites a reevaluation of urban living and governance in contemporary America, questioning the feasibility of achieving a desirable urban future [52]
杨振宁:这位重新定义宇宙的男人,贡献远超想象
Hu Xiu· 2025-10-21 01:01
Core Viewpoint - The article highlights the significant contributions of a prominent physicist who has been recognized as one of the greatest physicists in human history, emphasizing his groundbreaking work in modern physics and various prestigious awards he has received [1]. Group 1 - The physicist is recognized as a transformative figure in the field of physics, redefining the understanding of the universe [1]. - He has been awarded the Nobel Prize in Physics and is a recipient of the Einstein Medal and the Qiushi Lifetime Achievement Award [1]. - His formulation of the Yang-Mills equations is considered a cornerstone of modern physics, earning him the title of "the breeding ground for Nobel Prizes" [1].