去寻找生命中的下一站，去承受失去保护后不断的风风雨雨；

    因为，我还需要活着，

    因为父母，因为家庭，因为这是一个人最简单的生活方式；

    我不想再为谁去承担什么责任了，因为责任是永远承担不完的；

    我也不想再去向谁索取什么权利了，因为过多的索取权利只会是让自己沉迷于一处的理由；

    因为，我需要爱！

尽管我知道我们都尽力了,

但是那丝深深的痛仍然让我不能自已,

也许,

能改变的它自己会变,

不能变的它永远不会变……

认了，

也许这就是人生……

不想再被逼迫着去生活了，

因为我们都只是一具具为了活着而活着的行尸走肉而已，

byebye

水草很痛苦，她从来没有，将来也不会得到什么承诺，她找不到任何信任的基础，她知道小鱼一旦找到喜欢的小鱼，就一定会离开。

水草想要留住小鱼，用自己的叶子拉住他。小鱼很生气，说水草很卑劣，用力地咬水草的叶子，水草的叶子断了，小鱼游走了……或许连小鱼都不敢相信，为什么水草的叶子那么容易断，断得七零八落……

水草很痛很痛，她的叶子已经被水泡烂了。她突然想起，其实自己本不是水草，原本她长在岸边，她需要阳光和空气。在好久以前，因为小鱼，她吃力地向水里爬。她天真地以为，爱就是阳光，爱就是空气。这种信念支撑着她，让他们有过许多快乐的时光。现在，水草突然想起，自己不属于这个水和鱼的世界，自己在这个世界里永远不会有位置，只要小鱼不在，水草在这个世界里就没有存在的意义。

水草很痛很痛，她恨小鱼离开得那样不在乎，恨曾经为之付出的小鱼这样伤害自己，更恨自己，谁让自己喜欢小鱼的呢？！

水草知道不得不放弃，她哭了，她从来没有这样哭过——放弃自己爱的人，放弃所有的快乐与痛苦，真的很痛很难。不再因为小鱼而伤心，也意味着不再因为他而快乐。

没有了小鱼，水中的世界是那么的黑暗，那么的绝望，这个世界里，只有鱼和水的快乐，没有自己的位置。水草感到自己要被吞噬……她吃力地想要爬回岸边去，重新呼吸阳光和空气，不然的话，她就要窒息。

当水草爬出水面，她已经筋疲力尽。她抬起头，终于感受到一丝阳光的暖意。她让自己忘记了以前的快乐与不快乐，麻醉自己的心，她觉得自己可以重新生活了，让自己断了的叶子慢慢长回来……

这时，水草听到了小鱼的呼唤：“水草水草，我不是有意咬你的，对不起啦，我们再一起玩吧~~”水草瞬间想起了许多事情，她很想找回以前快乐的时光，却也很想用自己仍旧无力的叶子抽打当天伤害自己的小鱼，虽然知道小鱼可能还会咬自己——但是她绝对不想再回到那个不属于自己的世界。

水草很生气，她责问小鱼：“为什么还要来找我？”看着水草黯然的眼神，小鱼不解：“可是没有人让你喜欢我的啊。”

是的，小鱼，这一切都是错，一开始就是水草的错。但是水草真的很痛，很痛很痛。她有时候真的不知道该怎么办。

小鱼已经有别的小鱼陪，你水中的世界不再需要水草。水草也不需要知道你过得有多好，她的伤还没有完全好，不要揭她的伤疤。水草很累很倦，不要怪水草没有给你祝福，她现在没有力气。不过至少她心里不会诅咒你，给她一点时间。

小鱼，不要再呼唤，水草从来不知道怎样对你说不。你也不必担心，有阳光和空气，她就能过得很好。

    情苦……

    体弱……

    北京这个现实的世界容易让人改变，

    OK，改变就改变了，

    那请不要伤害我们纯真的心灵，

    否则我势必会让所有背叛者尝够所有的死祭！！！

    没有人可以逃过这一切……

    转眼之间，离开福州快六年了；

    转眼之间，老爸也从浙江回来了；

    转眼之间，父母们都苍老了半打；

    转眼之间，情感也蛮的丰富了；

    转眼之间，我居然习惯北大生活了；

    转眼之间，研究生快成一个名头了；

    转眼之间，全职的实习近一年了；

    转眼之间，朋友变幻世事沧桑；

    转眼之间，相知相守已多年；

    转眼之间，分别之日即来临；

    转眼之间，也是我们大家该道别分手惜惜的日子了；

    转眼之间，大家都会成为一家之主；

    转眼之间，谈话不会再那么顺畅了；

    转眼之间，也许我会不在这个世上了；

    转眼之间，我的祝愿已千年……

    当争吵过后，我们冷漠互相对望，其实我知道争吵仅仅只是开端，后面是一个未知的未来……

    当未来逼近，我们共享明天盛宴，其实我知道我们的希望是多么的伟大……

    当希望实现，我们剖开胜利果实，其实我知道剖开果实之后就是我漠漠的离去……

    当睡梦醒来，我们互相寻找对方，其实我知道寻找只是一个过程，一种交待，因为漠漠的离去是没有痕迹的……

    当痕迹显现，我们依稀辨明去向，其实我知道痕迹的尽头只能是一处被移弃许久的荒宅，荒宅的下面埋着许久的尘埃……

    当尘埃随风，我们仔细翻阅日记，其实我知道日记里史充斥着无尽的抱怨，亦或是简单的六个字

    ——对不起，我爱你。

不知何时起，中国的股市也遭受了这场冲击，当然，全球的金融越来越一体化，这样的冲击是不可避免的。但是中国的宏观调控太可怕了，实在到了可怕的地步，当救市的力量与压市的力量相平时，前者的效果会比后者的效果差上好几十倍，为什么呢？因为政府从来就不知道，股市是市场经济，并不是有中国特色的市场经济，股市的最正常发展，正好代表着市场经济的成熟，而中国没有债市只有股市，没有真正的市场经济只有中国特色的市场经济，没有机构与机构的博弈只有散户的博弈，也许，中国的做法是对的，这种现象是现在一时难以解决的，但是确实太令人心叹了。我们也只能成为这场风波中的小虫子，坐上壁观，也许，如果我们能够扭转这一切时，你将成为下一个世纪的新星。

Time：2007-09-14 11:40:44 Author: eblueidea Click:7 Tag: ibd investment
gsmer的Tow写的 "生活：依然奔跑在路上"这几天看了n次，比较有感触的话如下：
“从土人开始
我心还如火吗？
向世界顶级投资银行冲刺
好汉打脱牙，和血吞！是的，我必须坚持做下去！于是，我开始近似疯狂弥补自己的不足，
包括不断修改自己的简历，关注各个BBS的job版的信息”
希望前人的经历能够时时激励自己，平和的心态，不自卑也不自大
开始今天的正题：一些与IBD有关的问题
1.如果就学术而言，国内最近也有些关于投资银行的书面世，比如：

何小锋、黄嵩，《投资银行学》，北京大学出版社。
谢剑平，《现代投资银行》，中国人民大学出版社。

有些网站也有丰富的资料，除了各大投资银行网站以及一些财经网站比如WSJ（华尔街日报
）、FT（金融时报）、Bloomberg等等（相关网址恕不赘列），还有比如：
http://ww.vault.com/
http://ww.wetfeet.com/
http://www.careers-in-finance.com/ib.htm
http://www.investment-banking-resources.com/
http://fisher.osu.edu/fin/cern/invbank.htm
http://www.a-ten.com/alz/inbank.htm
http://www.cibclub.com.cn/net/index.php （注： 和君创业做的，其老板王明夫另办有
所谓的投资银行私塾，不过我没有参加过，据我所知，北大清华有很多学生参加，具体情况
不详。）
http://www.hongxing163.com/list.asp?boardid=43
http://club.amteam.org/club/default.asp （注：AMT Club，背景是著名的华尔街金融培
训公司爱姆特，但这个网站的大部分资料和咨询相关，但有很多关于投资银行的资料。）
http://www.gsmer.net/home/forumdisplay.php?f=100 （这个就不介绍了，光华人的投行
版，上面有大量的关于投行的资料。）

2.积累积累再积累

投行看中哪些知识呢？我觉得，和部门也有比较大的关系，不同的部门侧重的知识可能也有
所不同。拿投资银行最广为人知的投资银行部来说，其看中的专业知识主要有几个部分：
1．Corporate Finance （公司财务）
2．Financial Statement Analysis （财务报表分析）/ Accounting （会计）[注：对会计
的知识要求其实并不像四大国际会计师事务所要求那么严格，所以，财务报表分析的知识已
经足够用了]
3．Valuation （价值评估）
4．Investments （投资学）[注：主要指证券投资学，其实和公司财务有交叉重叠]
5．M&A （企业并购）[注：较少涉及]

这就需要申请者平时多加注意这些专业知识的积累和学习，根据我的面试经历，投资银行部
（IBD）常问的问题无非以上那些，常见的比如有：
1．How to value a firm?
2．What is the Balance Sheet/ Income Statement/ Statement of Cash Flows?
3．What is Free Cash Flow? / How to calculate Free Cash Flow?
4．What is CAPM?
5．How to calculate WACC/ Cost of Capital?
6．What is the difference between FIFO and LIFO？
7．Compare with P/E ratio, P/BV ratio, and P/S ratio.
8．What is the current ratio/ quick ratio/ …………?
9．What is NPV/ IRR/ …………?
10．What is the DCF Model/ DDM Model…………?

近年来，各华尔街投资银行除了投资银行部以外，其它部门也开始逐渐进入中国开展业务，
比如固定收益部（FID）、资本市场部（CMD）等，这些部门可能更侧重一些别的知识，比如
：

1．Futures, Options and Other Derivatives （经典教材：John Hull）
2．Market Sense/ Financial Market （要求跟踪市场）
3．Macro-Economy Status （宏观经济状况）
4．Fixed Income Securities

这些部门可能会常问以下一些问题：
1．What is Forward/ Swap/ Future/ Call Option/ Put Option…………?
2．What are the basic principles of Black-Scholes Model?
3．What is Yield Curve/ Term Structure………..?
4．What is Duration/ Convexity…………?
5．What is the interest rate of the 10-year Treasury Notes in America at
present?
6．How to value a bond?
7．What is yesterday’s DJIA/ S&P500 / Nasdaq/ …………?
8．What are the effects if FED raises basis interest rates?

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Keywords： investment bank investment banking fores investment trade investment
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--
林花谢了春红，太匆匆。无奈朝来寒雨晚来风。
        胭脂泪，留人醉，几时重？自是人生长恨水长东！

※ 修改:·movingon 于 Jan 29 12:53:23 修改本文·[FROM: 219.142.224.*]
※ 来源:·水木社区 newsmth.net·[FROM: 219.142.224.*]

    于是我打了电话回纽约求救，得知还有一种东西叫灰狗，哈哈，其实早知道了，只是一直没有想起来其实人性一样，世界也一样，每个城市或者国家都有共性，洛杉矶这么发达的地方，也一样有那种适合普通人民用的灰狗bus。打了电话并且查了后，发现灰狗如果晚上走，只要七个多小时就可以到了，还可以打发我们在路途中的时间。于是我们决定第二天先探路。

    早上不紧不慢的起床，还去santa monica的海滩逛了逛，吹了吹海风，荡了荡某人嘴里所谓的不是朝鲜族男生玩的项目，对比了一下旁边一个妙龄少女的秋千花式，自愧不如的走了。一样还是10号线出门，在线上还和一位外国老太太侃了起来，老太太正好也去city hall开一个会，会见很多中国人，估计就像香港的太平绅士那样的职位吧，国外就这点好，非盈利组织非政府组织特别多，这些组织往往又成为了城市建设与推动政府改革的最大力量，老太太肯定也是这种组织里的人，她还说以前也来过中国，很喜欢中国的景色。其实从纽约到西部，最感慨的是终于跟上了外国人说话的速度，最难受的是这边的英文很大一部分都存在墨西哥人口音，实在是很绕。

    到了Downtown后，我们一路向东，但是却发现越走越荒凉，越走越发现街上只有黑人和墨西哥人，墨西哥人有的还时不时玩着刀刀，吓得我们一路腿软。好不容易碰到一个白人，问他灰狗车站在哪儿，他建议我们坐公车，因为越走下去越荒而且会有一些坏人。我们听了后结合刚才见到的，决定坐公交车，上了公交车，却发现这儿就真的不是天堂而是地狱了，公交车上的破乱和北京的bus有的一拼，于是我们都在嘲笑村姑，原来我们回到了北京的通州。村姑也一个尽的嘟嚷，这边怎么这么破啊！！这里又要感慨了，也就是因为大家很多人听不懂中文，我们才敢在公车上如此放肆啊，要不然随便一个大妈过来都可以压死我们三个人。元日憋的不行，只从牙缝中挤出了一个屎字……

    到了灰狗，把票也买了，我们决定从另一条路走走看看，但是结果还是一片荒凉，真到走到了city hall还有了点人烟，最后的总结就是，原来LA的downtown除了高楼就只有Parking，真的是几条街连吃的都没有……太汗人了。还是觉得此地为不宜多待之日，早日撤走为妙，话说灰狗上因为坐的都是胖子，连我这种都堪称瘦子了。

A)San Diego Natual History Museum (http://www.sdnhm.org/)

Founded in 1874, the San Diego Society of Natural History is the oldest scientific institution in southern California, and the third oldest west of the Mississippi. In its initial years, the Society was the region's primary source of scientific culture, serving a small but growing community eager for information about its natural resources. Early society members established a weather station, petitioned to create Torrey Pines State Reserve, and garnered support for the new San Diego Zoological Society.

In June 1912, the Society met for the first time in its new quarters in the Hotel Cecil, recently built on Sixth Street in San Diego. Later that same month exhibits created by Frank and Kate Stephens were installed in a single room and adjoining alcove, and were open to the public several afternoons each week. The Society had opened its first museum.

In 1917, the Society purchased a vacant Balboa Park building from the 1915 Panama-California Exposition. Here the Society moved its growing collections and library to create the San Diego Natural History Museum. The Board defined its commitment "to educate and help people know and love nature" and began a variety of educational programs, many of them using specimens from museum collections in city and county schools.

The Museum occupied three different buildings in Balboa Park before celebrating its 50th anniversary. Community leaders recognized the need for a permanent museum of adequate size. San Diego's leading architect, William Templeton Johnson (1877-1957) was commissioned by the Society of Natural History to design its new museum building on Balboa Park's East Prado. Johnson had earned his reputation with his design of the Fine Arts Gallery (now the Museum of Art) and the downtown San Diego Trust & Savings Bank, among other buildings.

The construction of the new headquarters was made possible through a grant of $125,000 from Ellen Browning Scripps, and by public subscription. However, the full amount needed for the building could not be raised in the Depression years. Only the first unit of the building, at the south end of the lot, and one wing extending toward the north, could be built. The north and east exterior facades were left plain as temporary walls slated for future expansion, and remained so for sixty years.

The new $175,000 Natural History Museum building was formally dedicated on January 14, 1933.

The Society was notified on March 5, 1943, that the U. S. Navy wished to take over the Natural History Museum for hospital use at once.

The Natural History Museum became the infectious diseases ward. Some renovation took place in the facility, including the addition of an elevator designed to handle hospital gurneys and a nurses' station between floors. Both features remain in use today.

The main library and its librarian were moved to San Diego State College; the rest of the treasured and fragile exhibits were hastily packed, crated and moved into a total of 32 separate places. Exhibits too large to be moved were stuffed into the north wing on the main floor. A major renovation commenced once staff was allowed to reoccupy the building. Forced to look at all collections and exhibits in this rehabilitation process, the board adopted a firm policy to restrict collections to the southwestern United States and northern Mexico. The Museum continued its steady growth with post-war San Diego, despite periods of financial stress. Staff upheld professional practices regardless of limited resources, and the American Association of Museums accredited the Museum in 1974.

B)San Diego Air & Space Museum (http://www.sandiegoairandspace.org/)

The California Pacific International Exposition of 1935-36 spurred the development of the south end of Balboa Park. The Ford Motor Company, which elected to be the Exposition's major exhibitor, invested $2.8 million to build a hall for the Transportation Exhibition. The hall was designed to showcase the 1935 line of Ford cars and products, as well as other forms of transportation.

Construction progressed rapidly. Ford made the decision to build in February, and by May 29 they were celebrating completion of the project. The resulting building, with a 45,500 sq. ft. exhibit area, was the most expensive - and the most attention-grabbing - of the Exposition. It didn't hurt that potential Ford customers were able to test drive the latest Ford automobiles on a small road that wound around behind the building!

When the exposition ended in 1936, Ford donated the building to the City of San Diego. Subsequent users of the space included the National Guard and the Red Cross. During World War II, the Vocational School for Aircraft Industry trained employees in the building. After the war, park maintenance used it for storage. Plans to level the building due to the high costs of upkeep and restoration were halted in 1973 when it was placed on the National Register of Historic Places. At that time the City Council designated the structure as the future home of the San Diego Air & Space Museum .

The building represents a style of architecture called "Streamlined Moderne." During the late thirties, the building reflected the latest in design and technology. The designer, Walter Dorwin Teague, made sure that "every line and detail was carefully worked out to exemplify the latest ideas in Moderne industrial architecture." Similar buildings were built for the New York World Fair and San Francisco Fair of the same year. None of these other buildings exist today, making the Ford building one of the last remaining examples of this historical architectural style.

Planning was well underway to relocate the Air & Space Museum when in 1978 an arson fire destroyed the existing collection, then held in the Balboa Park Electrical Building. The citizens of San Diego rallied after the fire, donating funds and personal possessions to help the museum's collection grow again. With a much smaller--but continually growing--number of items on display, the museum re-opened to the public in the Ford Building on June 28, 1980.

A few years later, the Air & Space Museum's collection grew to such an extent that an alternate location was needed to store the overflow. Two hangars at Gillespie Field were acquired to store many of the Museum's additional airplanes, as well as an educational center and restoration shop. The Gillespie Field Annex, as it called today, serves the community of San Diego by holding regular education activities for the East County and El Cajon school districts, and offers free tours and workshops for the public.

Over 10,000 square feet of murals were painted on the building's interior walls. Designed by famed Mexican artist Juan Larrinaga and entitled The March Of Transportation, the principle mural chronicles man’s ideas and methods of transportation through history, offering insight into what the artists of the 1930s predicted for the future of transportation.

C)San Diego Automotive Museum (http://www.sdautomuseum.org/)

The original idea of creating an automotive museum in Balboa Park came from Briggs Cunningham, a renowned automobile collector and racer. The idea circulated for many years until an inspired group of local automotive enthusiasts propelled the idea forward.  In 1979 the San Diego City Council first considered the issue and in 1980 they gave unanimous approvel to the museum and granted a long term lease for one of the historic buildings in the jewel of San Diego - Balboa Park. 

After spending approximately $1 million renovating and upgrading the building, the San Diego Automotive Museum opened in December of 1988.  Since then millions of local auto enthusiasts and tourists from all over the world have visited our world-class collection.  Today the museum stands as a living tribute to the automobile and what it has meant to our culture.

The San Diego Automotive Museum is a non-profit corporation under section 501(c3).

Our building was originally constructed in 1935 as part of the California Pacific International Exposition.  Designed as a temporary structure, it stands today over 70 years later.  Over the years the building has served many needs.  Of course it was used to display goods to the International Exposition.  Then during World War II, it was used as a barracks for Navy Corpsman training at the old Navy Hospital which was about one mile away.  After the war it was used for many civic purposes including storage, as an auditorium and as a hall for festive dancing.

The parking lot in front was once the impressive "Firestone Singing Fountains".  Next door to us today is the famed Aerospace Museum. Across from us is the historic Starlight Bowl which has offered impressive out door theatre for decades.

D)San Diego Museum of Man (http://www.museumofman.org/index.html)

In 1911, San Diego began planning the 1915 Panama-California Exposition, creating a unique educational concept to distinguish itself from the San Francisco exposition planned for the same year.

Dr. Edgar Lee Hewett of the School of American Archaeology (now School of American Research) was appointed designer of the central exhibit The Story of Man through the Ages. He took expeditions to the Southwest to collect prehistoric pottery and to Guatemala to make replicas of Maya monuments.

Dr. Ales Hrdlicka of the Smithsonian Institution was engaged to collect specimens for the most comprehensive physical anthropology exhibit ever assembled. Expeditions were sent to Alaska, Siberia, Africa, and the Philippines, and European museums provided important casts and photographs of early man fossils. From Peru, skeletal material and rare trephined skulls were collected.

The Panama-California Exposition opened on January 1, 1915, with The Story of Man through the Ages enjoying public acclaim.

As the Exposition neared its close in November 1915, a farsighted group of San Diegans formed the San Diego Museum Association.

Led by prominent citizen George Marston, they were determined to retain the valuable collections and to establish a museum of anthropology. Dr. Hewett became the first Director, and important collections followed, notably the Jessop Weapon Collection and the Scripps Egyptian Collection. Field work by Museum staff in the 1930s focused on prehistoric sites of Southern California. Through the efforts of pioneer archaeologist Malcolm J. Rogers, hundreds of sites, many now destroyed by development, were recorded.

Because of the Museum's concentration on anthropology, its name was changed in 1942 to the Museum of Man (with "San Diego" added in 1978). During World War II, the Museum was converted to a hospital, and exhibits and collections were stored. During the 20-year directorship of Clark Evernham, beginning in 1951, the Museum entered a period of community outreach. Important acquisitions included Mexican apparel and ceramics.

In 1966, the collection and research focus of the Museum was narrowed to the peoples of the Western Americas. This redefinition of purpose capitalized on collection strengths and acknowledged our proximity to these cultures.

In 1972, Lowell E. English, retired Marine Corps Major General, became Director. For the next decade, the focus was on establishing a strong financial base.

The Collectors Club was started in 1974 to support collection acquisitions. The Haber Collection of Mayan figurines and the Harkleroad Collection of Southern California archaeological material were accessioned.

A 1980 amendment of the mission allowed for temporary exhibits from regions outside our area of specialization to provide cross-cultural perspective. In 1981, the Museum commenced planning for large scale capital improvements and exhibit enhancement. Anthropologist Douglas Sharon became Director, and major projects were undertaken: doubling of collection storage, remodeling the lobby, paving the Plaza de California, restoration of the historic St. Francis Chapel, installation of an elevator and modern HVAC, addition of a 16,000 sq. ft. education and design center, and renovation of expanded exhibits.

Through the 1980s and early 1990s important collections were acquired: the Gildred Collection of pre-Hispanic Peruvian ceramics, Mexican and Guatemalan apparel, the Stanford-Meyer Osteopathology Collection, the Cannon Collection of Southern Californian Indian basketry, and the Smith Collection of Egyptian antiquities. The Museum's research collections reached 72,000 items plus 37,000 historic photographs, mostly of Native Americans, and unquantified archaeological holdings.

In 1994, recognizing that cultural preservation is intimately linked to the environment, the Museum's mission was expanded to include human ecology. As we approach a new century, our original philosophy, whereby collections form the basis for relevant exhibits, education, and research, is being reaffirmed.

E）Timken Museum of Art (http://www.timkenmuseum.org/1-internal-page.html)

Located in San Diego's beautiful Balboa Park, the Timken Museum of Art houses the world-class Putnam Foundation Collection of European old masters American art, and Russian icons. 

Artworks in the collection range from 13th-century altarpieces through 18th-century portraits to 19th-century still lifes. Represented are the works of Dutch, Flemish, French, and Italian painters, including Rembrandt, Rubens, Petrus Christus, Fragonard, Jacques-Louis David, and Veronese, as well as American artists such as John Singleton Copley and Eastman Johnson.

F) San Diego Marine Corps Command Museum

The MCRD Command Museum boasts one of the most extensive and comprehensive displays of Marine Corps historical items in the Nation.The Museum has over 150,000 annual visitors and occupies 22,233 square feet of indoor space.