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    次贷危机引起的经济危机—形象的例子

        一男赶集卖猪,天黑遇雨,二十头猪未卖成,到一农家借宿。
       少妇说:家里只一人不便。
      男:求你了大妹子,给猪一头。
      女:好吧,但家只有一床。
      男:我也到床上睡,再给猪一头。
      女:同意。
      半夜男与女商量,我到你上面睡,女不肯。
      男:给猪两头。
      女允,要求上去不能动。
      少顷,男忍不住,央求动一下,女不肯。
      男:动一下给猪两头。女同意。
      男动了八次停下,女问为何不动?
      男说猪没了。
      女小声说:要不我给你猪……
      天亮后,男吹着口哨赶30头(含少妇家的10头)猪赶集去了……

    哈佛导师评论:要发现用户潜在需求,前期必须引导,培养用户需求,因此产生的投
      入是符合发展规律的。

        另一男得知此事,决意如法炮制,遂赶集卖猪,天黑遇雨,二十头猪未卖成,到一农家借宿
      少妇说:家里只一人不便。
      男:求你了大妹子,给猪一头
      女:好吧,但家只有一床。
      男:我也到床上睡,再给猪一头。
      女:同意。
      半夜男商女,我到你上面睡,女不肯。
      男:给猪两头。
      女允,要求上去不能动。
      少顷,男忍不住,央求动一下,女不肯。
      男:动一下给猪两头。女同意。
      男动了七次停下,女问为何不动?
      男说:完事了~~~女:......
      天亮后,男低著头赶2头猪赶集去了......

      哈佛导师评论:要结合企业自身规模进行谨慎投资,谨防资金链断裂问题

        又一男得知此事,决意如法炮制兼吸取教训,遂先用一头猪去换一粒伟哥,事必,天
      亮后,男吹着口哨赶38头(含少妇家的18头)猪赶集去了……

      哈佛导师评论:企业如果获得金融资本的帮助,自身经营能力将得到倍增。

        知道此法男多,伟哥供不应求,逐渐要2头,3头猪换一粒伟哥。

    哈佛导师评论:这就是通货膨胀。

        当猪价格涨到16粒一棵的时候,哈佛导师评论:该男已经进入边际成本,除了拥有对
      自身能力的自信和未来良好愿望以外,实际现猪流已经为零。
      但换猪男越来越多,卖伟哥的决定,扩展生产能力,推出一种次级伟哥,如果你缺一
      头猪,只要你承诺可以到该女房中一夜,就可以先借,事成后补交猪款,这个方法大大
      促进了伟哥销售。

    哈佛导师评论:这就是贷款,让企业可以根据未来的收益选择借支流动资金

      伟哥专卖店后来在即使你一头猪都没有,只要你承诺可以到该女房中一夜,就可以先
      借,事成后补交猪款。

      哈佛导师评论:这就是金融创新,让现在的人花未来的钱,反正等你老了未来的钱你
      也花不动。

      消息一出,换猪男越来越多,有人找伟哥专卖店,这个项目太好了,我们把它变成优
      质基金,对外销售债卷,你们也就可以分享我的收益,如何?

      结果伟哥专卖店觉得甚好,于是该公司把换猪男分三类,一类是拿现猪换的,一类是
      一部分现猪贷的,一类是完全没有现猪借的,发行三种债卷。大家踊跃而上。纷纷购买
      伟哥专卖店的债卷,伟哥专卖店生意太好,就把债卷销售外包给另外一家公司运作,该
      公司也一并大发其财,公司越做越大,甚至可以脱离实际伟哥销售情况来发行,给自己
      和伟哥专卖店带来巨大的现金收益。

      哈佛导师评论:这就是专业的人做专业的事,从实体经营到资本运作,经济进入了更
      高的层次。

      为了防止自己债卷未来有损失,该公司决定给它买上保险,这样债卷销售就更容易,
      因为一旦债卷出现问题,还可以获得保险公司的赔付,哇,债券公司销售这下子太好了,
        保险公司也获得巨大平白无故的保险收入。

      哈佛导师评论:这就是风险对冲,策略联盟,提高了企业的抗风险能力,也保护了消
      费者利益。

      换猪男太多,排长队等待,该女无法承受,说老娘不干了,我搬家,一时间有无数拥
      有伟哥的欠猪男。

      哈佛导师评论:这是个别现象,属于市场的正常波动,不会影响整个经济。

      结果该女迟迟不肯搬回。一部分欠猪男没有收入,只好赖帐,结果大量债卷到期无法
      换现猪吃,债卷公司一看,一粒伟哥16头猪,这哪里还得起,宣布倒闭

      哈佛导师评论:这是次贷危机,不会影响整个金融行业。

      哪里晓得债卷公司还把债卷上了保险,保险公司一看,这哪里赔得起,于是也宣布要
      倒闭。

      哈佛导师评论:这是金融危机,还不会影响整个实体经济。

        由于金融危机导致大量男士失业,1年后,大多失业家庭开始离婚,随之产生大量少妇,
        结果这个产业在萧条了2年后得到了突飞猛进的前进,又回到繁荣昌盛时代。

        哈佛导师评论:这是经济危机和后经济危机时代的机遇。

      后文:据说该女已搬到中国定居

    形容中国的房地产的笑话


    >>  >>  >>
    以前,有个地主有很多地,找了很多长工干活,地主给长工们盖了一批团结楼住着,一天,地主的谋士对地主说:东家,长工们这几年手上有点钱了,他们住你的房子,每月交租子,不划算,反正他们永远住下去,你干脆把房子卖给他们起个名堂叫做-----公房出售!告诉他们房子永远归他们了,可以把他们这几年攒的钱收回来,地主说:不错,那租金怎么办?谋士说:照收不误,起个日本名儿,叫物业费!地主很快实行了,赚了好多钱,长工们那个高兴啊!
    过了几年,地主的村子发展成城镇了,有钱人越来越多,没地方住,谋士对地主说:东家,长工们这几年手上又有钱了,咱们给他们盖新房子,起个名堂叫做旧城改造,他们把手上的钱给我们,我们拆了房子盖新的,叫他们再买回去,可以多盖一些卖给别人,地主又实行了,这次,有些长工们不高兴了,地主的家丁派上用途了,长工们打掉牙只好往肚子里咽,地主又赚了好多钱。
    又过了几年,地主的村子发展成大城市了,有钱人更多了,地主的土地更值钱了,谋士对地主说:东家,咱们把这些长工的房子拆了,在这个地方建别墅,拆出来的地盖好房子卖给那些有钱的大款还能赚一笔,地主说:长工们不干怎么办?谋士说:咱给他们钱多点儿,起个名堂叫货币化安置,咱再到咱们的猪圈旁边建房子,起个名堂叫经济适用房,给他们修个马车道让他们到那边买房住,地主说:他们钱不够怎么办?谋士说:从咱家的钱庄借钱给他们,一年6分利,咱这钱还能生钱崽,又没风险,地主又实行了,长工们拿到钱,地主的经济适用房到现在才建了一间,长工们只好排队等房子,直到现在,还等着呢------ 于是,长工们开始闹事了,地主有点慌,忙问谋士怎么办?谋士说:赶紧通知长工们,房子要跌价了,别买了,租房住吧,正好把我们的猪圈租给他们,结果,这么多年后,长工们的钱全没了,还在租房住,直到永远!

    手持设备的可用性测试:Morae 3

    1.典型的设置,用你的DV作为主摄像头,Webcamera可以作为拍摄脸部的摄像头;这样就可以用最新的Morae 3来进行手持设备或者纸上原型等类型的可用性测试。

    Morae setup1

    2.看索尼爱立信是怎么做可用性测试的:手机上有一个可调节的摄像头,这样可以保持无论用户以什么方式去拿手机,摄像头传送的画面都是清晰的。桌子上的网络摄像头当然就是方便你看清用户的表情的啦:-)

    Morae setup2

    3. 如果你要在电脑上做使用flash或者java等程序做的原型测试,当然就是再容易不过了。只需要一个普通的网络摄像头就可以了。

    Morae setup3

    没事的时候多看看“凤凰读书”也好处

    image

    image

    最近在上面消磨了很多晚上的时光,也长了些见识。

    你能容忍一个网页有多长?

    转载一篇文章,跟我之前假设的中国人对information density of an interface和西方人是不一样的,不仅在网页上,也包括现在各种大屏的触摸屏手机上。中国人更能容忍在一个页面上存在更多的信息,而西方人相对要差很多。或许中国由于本身人口众多,在任何地方都需要有快速搜索信息的能力。这也培养了中国人在复杂页面上进行快速有效的信息搜索的能力;而西方人口密度相对小很多,大量的信息拥挤在一个页面上或许让他们觉得窒息。

    如果这样猜想的话,日本人是不是也和中国人一样在information density上有同样的偏好呢?

    这是User Experience公司在中国进行很多网页的可用性测试的基础上提出的,有一定道理。

    5 Usability Tips You Need to Know to Reach Chinese Consumers Online


    by Korey Johnson, M.S.

    As eCommerce sales continue to grow both in the US and abroad, organizations must tailor their websites to an increasingly diverse market. A focus on user experience is essential for higher conversion rates as well as customer loyalty within each of these growing markets. With over 220 million people using the Internet, China is a market not to be ignored by any company with aspirations of conducting international eCommerce. In 2007 alone, there were eCommerce sales in excess of 56 billion RMB ($8B USD). In order to conduct business in China, there must be a Chinese language version of the company's website, but what else should be considered when designing another version of the site? Our researchers in User Centric's subsidiary company in Beijing - User Experience - had this to say about the five things you need to know when creating a Chinese-focused website :

    1. “Front-load” the information available on the Chinese website. The homepage should include more products or services than its US counterpart. Websites for US retailers will often present one or two featured products on the homepage, along with product category headings to facilitate browsing. Most US websites strive to place all important information (e.g. all product category headings) above the fold so users are not required to scroll in order to find the information. Often, this is not the case with Chinese eCommerce websites. Rather than presenting information for only one or two featured products on the homepage, Chinese retailers tend to include a large number of products with brief descriptions and links to more information.

    2. Menu sub-headings should be presented in expanded rather than collapsed format. Product category headings also tend to be presented in expanded format, with subcategories permanently visible. These differences are likely the result of Chinese consumer preferences for information display. Rather than drilling down into categories or searching to find information, Chinese consumers prefer to see more information in one central location.

    3. Include eye-grabbing content like flash animation and minimize empty spaces on web pages. In addition to being more front-loaded with information, Chinese eCommerce websites also tend to include eye-grabbing content, such as flash animation. Our colleagues at User Experience have found in past studies that Chinese consumers commonly think that “something is missing” if a homepage lacks animation of some sort. These consumers also tend to dislike empty spaces on web pages. What we have observed in testing in China and US / Europe is that what is viewed as “easy to use”, “clean” and “pleasing” to US users is frequently described as being “too simple” or “boring” to Chinese users.

    4. Determine what content and features could instill trust in the Chinese market and design the website accordingly. Similar to the online purchasing process in the US, Chinese consumers expect to register for an eCommerce website before making a purchase. However, Chinese consumers do not expect to provide credit card information during the registration process. This is a result of a key difference between online transactions in China and the US. Rather than actually purchasing products online, many Chinese consumers (at least in urban areas) order the products online and then pay cash on delivery. A lack of trust in the ability of eCommerce websites to protect consumers' credit card information could be the reason that business is conducted in this manner. Any company looking to expand to the growing Chinese eCommerce market should consider this lack of trust carefully, determine what content or features of a website could instill trust in their Chinese customers, and design the site accordingly.

    5. Color is important: The color red has a very strong positive connotation in Chinese culture. However, red in Western cultures is often associated with “stop” or “warning” kinds of messages. Thus, in Western design the use of red is reserved for negative information. In short, visual design may not be easily transferrable.

    Preliminary exploration of TechSmith Morae 3.o,初体验Morae 3

    Just got the lisence of latest version, I can't wait to have a try. In the first two days, I experienced Morae, it's really fantastic, it's perfect for usability professionals.
    Anyway, you must experience some problems when you first time to set up Moare.

    1) I have a Sony DV, how can I connect my DV with my laptop?
    It's easy, follow the next steps:
    (a). Chech your Sony DV bundle, it must come with a AV connecter (with Red, Yellow, and White end).
    Sony AV线
    (b). Buy an AV to USB 2.0 Converter (也叫USB的视频采集卡,150元左右). And then install converter driver in your laptop.
    AV USB Converter
    (c). Connect your DV,  AV USB converter and your laptop, then launch Morae Observer, choose the corresponding capture device, you will see the preview window.

    2) DV放在用户前,但是我拍的画面是倒着的,怎么办?
    这个问题Morae已经帮我考虑到了,很周到,很体贴。只需要点相应的摄像头右边那个设置按钮,然后在打开的窗口上,选择Flip-Flip Vertical,就这么简单,图像就不再是倒的了。摄像机也可以架在用户在正前方,用最好的角度拍摄了。
    Morae 3.0 video setup         Morae Flip vertical

    To be continued.