[月亮傑克話家常]
今天去跑 安泰ING 的 FUN RUN 3K
很多人！
的確是個嘉年華會，完全不像在跑3公里，
跑完也沒覺得有3公里那麼長，
朋友說大概是因為前面人多的時候走了一段，
快到終點的時候，又因為大家都停下來了又走了一段，
總之，如果想感受路跑的感覺，還是至少要跑 9公里。
明年來挑戰9公里吧！
[文章出處]
這是BusinessWeek對投資人做出的2009年投資建議：
Personal Finance: 20 Dos & Don'ts for 2009
http://www.businessweek.com/investing/content/dec2008/pi20081217_317510.htm?chan=investing_investing+index+page_top+stories
不知道BusinessWeek的文章存檔會存在多久，我另外做了一個備份：
有兩頁：
http://www.webcitation.org/5dEA5bmQ4
http://www.webcitation.org/5dEBpErHS
[文章內容]
我把這篇文章的20個標題摘錄出來：
1. Don't try to predict the future. 不要預測未來，股市是否繼續低靡或是要復甦仍是未知數，不要急於投入。
2. Do keep enough cash available.要保有可以動用的現金(一個成年人約需準備12,000美元或是6-9個月的開銷費用)，當有緊急狀況發生時，這些現金可以讓你不需要去變賣你的資產。
3. Do invest internationally. 要做國際性的投資。
4. Don't try to pick one winning investment. Diversify. 別把雞蛋放在同一個籃子裡。分散你的投資～
5. Do think about energy efficiency.這牽涉到一個法案，可以用居家用品或是能源器具方面的修護費用做抵扣稅務。詳細資料可以參考：Federal Tax Credits for Energy Efficiency
6. Don't stop contributing to 401(k) and other retirement accounts.不要停止繳納你的退休計畫帳戶：美國的401(k)是類似我們的國民年金
7. Do live below your means. Save.量入為出，盡量省錢。這裡提到有篇文章：教你25種省錢的方法 Twenty-Five Ways to Save More Each Month
8. Don't make sudden moves.別對你的投資做出巨大的改變：別被股市的震盪亂了分寸，有時候太過專注於一些風吹草動會讓人忘掉長遠的投資計畫。
9. Do pay off expensive debts.除了理財，更要理債。對於高利息的債務，應該要優先處理。
10. Don't give up on stocks. 最壞的時機總是跟隨著最好的機會，別放棄股市，做一些長期的投資計畫。
11. Do track your spending.了解你每一分錢的去向，這邊月亮傑克介紹一個好的小工具給大家：17saving
12. Don't pay high management fees 別支付過高的投資管理費用
13. Do review your credit reports.檢視你的信用狀況,要修補信用狀況的缺失都是需要時間，及早發現才能有更多時間去準備與實施。
14. Don't follow the herd.千萬別盲從！華倫 巴菲特說："Be fearful when others are greedy, and be greedy when others are fearful," 別人貪婪你要恐懼，別人恐懼你要貪婪
15. Do write down an investing plan and budget, and stick to them.寫下你的投資計畫跟預算，並堅持到底。
16. Don't forgo necessary insurance.不要放棄必要的保障。
17. Do check out your financial adviser.要檢視你的理財專員，透過了解他的背景，經歷…等等，才能知道你是否找了一個值得信賴的人。
18. Don't invest in anything you don't understand.別把錢放在你不了解的投資商品，你的理財專員不見得都是為了你好，有時候可能只是為了較高的佣金。
19. Do make sure safe investments are actually safe.看似十分保險的投資，卻不一定真的保險，一定要再三確認。
20. Don't take more risk than you can handle.選擇自己能承受的風險程度！
線上字典：奇摩雅虎 or Cambridge Dictionaries or Frengly
[額外補充]
聖誕節快到了，最近會陸續分享一些聖誕歌曲給大家
這首Mariah Carey - All I Want For Christmas Is You
前往 youtube觀看：http://tw.youtube.com/watch?v=-8rY0Fyws20
歌詞：
I don't want a lot for Christmas
There's just one thing I need
I don't care about the presents
Underneath the Christmas tree
I just want you for my own
More than you could ever know
Make my wish come true
All I want for Christmas is...
You
I don't want a lot for Christmas
There's just one thing I need
I don't care about the presents
Underneath the Christmas tree
I don't need to hang my stocking
There upon the fireplace
Santa Claus won't make me happy
With a toy on Christmas day
I just want you for my own
More than you could ever know
Make my wish come true
All I want for Christmas is you
You baby
I won't ask for much this Christmas
I don't even wish for snow
I'm just gonna keep on waiting
Underneath the mistletoe
I won't make a list and send it
To the North Pole for Saint Nick
I won't even stay awake to
Hear those magic reindeers click
'Cause I just want you here tonight
Holding on to me so tight
What more can I do
Baby all I want for Christmas is you
Ooh baby
All the lights are shining
So brightly everywhere
And the sound of children's
Laughter fills the air
And everyone is singing
I hear those sleigh bells ringing
Santa won't you bring me the one I really need
Won't you please bring my baby to me...
Oh I don't want a lot for Christmas
This is all I'm asking for
I just want to see my baby
Standing right outside my door
Oh I just want you for my own
More than you could ever know
Make my wish come true
Baby all I want for Christmas is...
You
All I want for Christmas is you... baby (repeat and fade)
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