科学防疫现在开始

2019.12--2022.12，被保护两年，被折腾一年，毁誉参半，今终落下帷幕。

    感谢医务工作者和基层的工作人员。感谢你们的辛勤付出，让大多数人免于新冠感染，平安度过了这3年的时光。

    政策风向突变，人们就像从肖申克监狱放出来的老布，对于身边如此迅速的变化无所适从。但政策放开是综合利弊的结果，并不意味着疫情已经结束。恰恰相反，真正的科学防疫才刚刚开始。

    悲观的说，对于我们绝大多数人，最终还是要感染新冠的，我们要做的是把这个时间尽可能往后拖。至少不要踩上地方政策的尾巴，被猛于虎的防疫政策伤到。也不要在第一个高峰期感染，避开医疗资源挤兑的高峰，保护别人也保护自己。

    口罩现在还不能摘。对于呼吸道传染病，规范佩戴口罩是最简单有效的防护措施，没有之一。外科口罩和N95口罩可根据不同情况选用，但要注意避免使用带有呼吸阀的口罩，同时远离佩戴这种口罩的人（他们呼出的气体不会被口罩过滤，而是直接从呼吸阀排出）。

    人多的地方少去凑热闹，菜市场超市买完东西赶紧走。一是防疫方面，远离传染源。二是安全方面，经历了这三年，整个社会戾气都比较重，难免人群中混入些不法分子干点不法的事情。

    常用药还得备上。常用的口服药，感冒药，退热药，抗生素还要备上。例如氨咖黄敏，对乙酰氨基酚，布洛芬，阿莫西林，头孢，阿奇霉素等等，一旦感染可以根据情况服药。

    疫苗要接种，打安全有效的疫苗。安全且有效，目前有符合这两项要求的么？“我的防弹衣防不住子弹，但是能防得住炮弹”--就是个笑话。

    粮食还得囤。现在是纯粹的摸石头过河，翻车的风险是客观存在的；奥密克戎变种很快，也有可能再杀个回马枪。吃的东西家里面还要备一些，家中有粮心中不慌。

    莫恐慌莫盲从。凡事想想为什么，收集信息，独立思考，自己做一下风控。不要人云亦云，被别人牵着鼻子走。脑子是个好东西，就是有些人没有。

    这次政策的步子比较大，有点扯住蛋了，一些地方部门和单位还没有跟上节奏。比如某公厕，至今仍要求持有48小时内核酸阴性证明才能拉屎。比如某医院，要求医务人员感染之后继续上班。就现在各科室的密切程度，妥妥的一人阳，一科阳，一楼阳，整个医院羊了个羊--养蛊呢。

    最后，致当年的防疫爱好者们，你们可以选择继续居家，不出门，不再与外界交流。也可以考虑把门窗都封死，避免病毒进来

---translate by Google---

2019.12--2022.12, protected for two years, tossed for a year, with mixed reputations, the curtain has finally come to an end.

Thank you medical workers and grassroots staff. Thank you for your hard work, which has saved most people from the new crown infection and passed these 3 years safely.

The policy direction has changed suddenly, and people are like old cloth released from Shawshank Prison, at a loss for such rapid changes around them. However, policy liberalization is the result of comprehensive advantages and disadvantages, and it does not mean that the epidemic is over. On the contrary, the real scientific epidemic prevention has just begun.

Pessimistically speaking, for the vast majority of us, we will eventually be infected with the new crown. What we have to do is to delay this time as much as possible. At least don't step on the tail of local policies and be hurt by the epidemic prevention policy that is fiercer than a tiger. Don't get infected at the first peak, avoid the peak of medical resources run, protect others and protect yourself.

Masks cannot be removed yet. For respiratory infectious diseases, standard wearing of masks is the simplest and most effective protective measure, not one of them. Surgical masks and N95 masks can be selected according to different situations, but pay attention to avoid using masks with breathing valves, and stay away from people wearing such masks (their exhaled gas will not be filtered by the mask, but directly discharged from the breathing valve) .

Don't go to places with a lot of people to join in the fun, and leave quickly after shopping in the vegetable market and supermarket. One is in terms of epidemic prevention, keep away from the source of infection. The second is security. After these three years, the whole society has become more hostile, and it is inevitable that some criminals will mix in the crowd and do some illegal things.

Commonly used medicines have to be prepared. Commonly used oral medicines, cold medicines, antipyretics, and antibiotics should also be prepared. For example, ampicillin, acetaminophen, ibuprofen, amoxicillin, cephalosporin, azithromycin, etc. Once infected, you can take medicine according to the situation.

Vaccines must be vaccinated, safe and effective vaccines. It is safe and effective. Are there any products that meet these two requirements? "My body armor can't stop bullets, but it can stop shells" -- that's a joke.

Food has to be stockpiled. Now it is purely crossing the river by feeling the stones, and the risk of overturning is an objective existence; the Omicron variant is very fast, and it is also possible to kill the carbine again. I have to prepare some food at home, so I don’t panic when I have food at home.

Don't panic, don't follow blindly. Think about why everything, collect information, think independently, and do your own risk control. Don't follow others and be led by others. Brain is a good thing, but some people don't have it.

The pace of the policy this time is relatively large, and it is a bit of a drag. Some local departments and units have not kept up with the pace. For example, a public toilet still requires a certificate of negative nucleic acid within 48 hours to defecate. For example, a hospital requires medical staff to continue to work after infection. As far as the closeness of each department is concerned, one person is yang, one department is yang, and the first floor is yang. The whole hospital has a sheep-raising Gu.

Finally, to the epidemic prevention enthusiasts back then, you can choose to continue to stay at home, not to go out, and no longer communicate with the outside world. You can also consider sealing the doors and windows to prevent the virus from entering

那些歌，那些人，那些事（Andy，郭文）

 写在最前面

    前段时间被人问起，手机里为什么有那么多老歌。拿上手机随手翻翻，确实，很多10年甚至20年前的老歌仍在列表中被随机播放。对于我来说，很多歌背后都有一个人，一个故事，值得回忆。

    郭文是我大学同学，一个胖胖的动作敏捷男生，班里的好学生，文艺委员。脾气比较好，是我们练习抓拍的对象，被我们拍过不少半果照，坐在一起七荤八素的扯段子也不会突然爆掉，所以大家相处的一直挺好。但他还是有脾气的，毕业之前还是爆了一回。当年从半睡半醒懵逼状态中被人吼去医院急诊，就是带他去的。不过后来一切都好，毕业之后去了南方深造，定居，也就没有再回来，每年遥祝新年快乐。

    他是班里第一个也是惟一一个学弹吉他的。当时入学之后有个吉他协会，0基础开始，他就加入了，每天练习。毕业时他是会长，学校里弹的最好的几个人之一。

    Andy是他在系里的成名作。他弹的第一个完整的曲子，第一个自弹自唱的歌，第一个在系晚会上的节目。从开始的磕磕绊绊，到后面如行云流水一般的顺滑，都是他一遍遍练习的结果。对于我，每天耳闻目染，对这首歌印象相当深刻，久久不忘。

---

Andy（阿杜）：

你有多久没有看过那片海

你到现在对自己究竟多明白

总是不服输，永远要比别人快

在你前方是否有你要的未来

想到我们的过去，都让人感慨

希望所有好朋友都能站起来

还有你曾经，疯狂爱上的女孩

再过几年是不是依旧难以忘怀

可是Andy，活着是不需道理

谁都可能，暂时的失去勇气

外面不安的世界，骚动的心情

不能熄灭曾经你拥有炽热的心

我是真的不会表达我的爱

却很在乎每个人对我的期待

平凡的角色，站在小小的舞台

我有那么勇敢地说出来

想到我们的过去，都让人感慨

希望所有好朋友都能站起来

还有你曾经，疯狂爱上的女孩

再过几年是不是依旧难以忘怀

可是Andy，活着是不需道理

谁都可能，暂时的失去勇气

外面不安的世界，骚动的心情

不能熄灭曾经你拥有炽热的心

我是真的不会表达我的爱

却很在乎每个人对我的期待

平凡的角色，站在小小的舞台

我有那么勇敢地说出来

外面不安的世界，骚动的心情

不能熄灭曾经你拥有炽热的心

可是Andy，Oh…Oh…Oh

Andy，Oh…Oh…Oh

外面不安的世界，骚动的心情

不能熄灭曾经你拥有炽热的心

---Translate by Google---

write at the front

    Some time ago I was asked why there are so many old songs on my phone. Take your phone and flip through it. Indeed, many old songs from 10 or even 20 years ago are still being played randomly in the list. For me, behind many songs there is a person, a story, and it is worth remembering.

    Guo Wen is my college classmate, a fat boy with agile movements, a good student in the class, and a committee member of literature and art. He has a good temper, and is the object of our practice and capture. We have taken many half-fruit photos, and sitting together will not suddenly explode, so everyone has been getting along very well. But he still has a temper, and he still exploded before graduation. Back then, when he was yelled at to go to the hospital emergency room from a state of being half asleep and half awake, he was taken there. But then everything went well. After graduation, I went to the south for further study and settled down, but I never came back. I wish a happy New Year every year.

    He was the first and only one in the class to learn to play the guitar. At that time, there was a guitar association after he entered the school, and he joined it from the foundation of 0, and practiced every day. When he graduated, he was the president and one of the best players in the school.

    Andy is his masterpiece in the department. The first complete piece he played, the first song he played and sang, the first show at the department party. From the stumbling and stumbling at the beginning, to the smoothness like flowing water in the back, it is the result of his practice over and over again. For me, I hear and see it every day, and I am quite impressed with this song, and I will never forget it for a long time.

---

Andy (Adu):

How long have you not seen that sea

How much do you know about yourself now?

Always not admit defeat, always faster than others

Is there a future you want ahead of you?

Thinking of our past makes me feel

I hope all good friends can stand up

And the girl you once, madly in love with

Will it still be unforgettable in a few years?

But Andy, there's no reason to live

Anyone can, temporarily lose courage

The restless world outside, the tumultuous mood

Can't extinguish once you had a fiery heart

I really can't express my love

But I care about what everyone expects of me

Ordinary characters, standing on a small stage

I'm so brave to say it

Thinking of our past makes me feel

I hope all good friends can stand up

And the girl you once, madly in love with

Will it still be unforgettable in a few years?

But Andy, there's no reason to live

Anyone can, temporarily lose courage

The restless world outside, the tumultuous mood

Can't extinguish once you had a fiery heart

I really can't express my love

But I care about what everyone expects of me

Ordinary characters, standing on a small stage

I'm so brave to say it

The restless world outside, the tumultuous mood

Can't extinguish once you had a fiery heart

But Andy, Oh…Oh…Oh

Andy, Oh…Oh…Oh

The restless world outside, the tumultuous mood

Can't extinguish once you had a fiery heart

罗翔:不要去和一个网络喷子争论

一个知识越贫乏的人，越是拥有一种莫名奇怪的勇气和一种莫名奇怪的自豪感。因为知识越贫乏，你所相信的东西就越绝对。因为你根本没有听过与此相对立的观点。夜郎自大，是无知者，是好辩者的天性。人们经常会把观点的争论上升为语言的攻击，甚至把语言的攻击变成肉体的争斗。

    所以当您遇到一个网络喷子，当他不断的使用一些标语式的词汇，其实没有必要和他辩论。因为你辩不赢的，你也不需要去辩。标语化的思维是最便捷的，因为标语化的思维是不需要去要思考的。一个标语化思维的人，他其实已经中了毒，他被蛊惑了，他已经缺乏了自己独立思考的能力，所以不要和他们去论证，不要和他们去辩论

---Translate by Google---

Luo Xiang: Don't argue with an internet troll

A person with poorer knowledge has an inexplicable courage and an inexplicable pride. For the poorer the knowledge, the more absolute what you believe. Because you haven't heard the opposite point of view at all. Yelang is arrogant, ignorant, and the nature of a debater. People often turn arguments of opinion into verbal attacks, and even turn verbal attacks into physical struggles.

     So when you meet an Internet troll, when he keeps using some slogan-style vocabulary, there is no need to argue with him. Because if you can't argue, you don't need to argue. Slogan-based thinking is the most convenient, because slogan-based thinking does not require thinking. A person who thinks with slogans, he has actually been poisoned, he is bewitched, he has lacked the ability to think independently, so don't argue with them, don't argue with them

李文亮医生，新冠肺炎疫情“吹哨人”

我们愤怒于你的预警被当成谣言，我们伤恸于你的死亡竟不是谣言…你从来和谣言无缘，却被迫因“造谣”而具结“悔过”。现在，因为不信你的“哨声”，你的国家停摆，你的心脏停跳…还要怎样惨重的代价，才能让你和你们的哨声嘹亮，洞彻东方
（人民日报上海分社弘冰副社长）

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如何选购保险产品

首先要明白，保险仅仅是一种金融产品，只能在发生保险事故之后给予（客户）经济上的补偿。除此之外，没有其它可以承诺（写进合同）的作用/项目，尤其是不能阻止风险的发生。

    保障类保险产品主要分为三个大类。寿险：以生命终结为给付条件，俗称死了才赔；重疾险：确诊约定重疾就赔。意外险：发生意外伤残赔付；医疗险：赔付住院或门诊发生的医疗费用。市场上绝大部分保险均可归为这三类，至于理财类保险产品，银行，基金公司，证券公司有更专业更好的产品和解决方案，作为普通人完全没必要来保险公司买。


    入门：怎么选，买什么


    买过一份保险产品，就可以算入门了。无论是获益，还是觉得上当受骗，对保险公司和保险产品都有了初步的了解。

    没有最好的保险，只有最适合自己的保单。每个公司的产品都有自己的优势和不足，根据自己的实际需求，选择合适自己的产品组合，甚至把不同公司的产品组合在一起。当前的条件下，信息非常透明，自己创建一个合适的产品组合没有太大的难度。

    比如，小孩子比较顽皮，也容易生病，最需要的是意外和医疗类产品。年轻人身体较好，活动较多，又没有家庭负担，主要的需求是意外，也可适当配置寿险。中年人相对稳重，是家庭的收入支柱，寿险重疾和意外都应配置，同时也要考虑在身体条件较好的时候配置医疗险。当年纪较大时，意外险不能买了，寿险和重疾费率太高甚至保费保额倒挂，保留一份医疗险对提高生活质量会有很大的帮助。

    当然，如果你钱多，可以一样不少的啥都买上。


    基础：去哪买，怎么买


    传统途径中最重要的一点就是找个靠谱的保险代理人。一个好的代理人会尊重你的需求，尊重你的选择。给出产品一定是围绕你需求的，而不会硬塞给你一款不适合产品，更不会把你做的产品组合贬得一无是处。

    当然，代理人也是靠销售保险赚佣金的，遇到一个好的代理人，不要过分计较他从你手上赚了多少佣金，因为这是他应该得到的。

    另一种购买途径就是线上直接购买。可以在靠谱的第三方代理，比如支付宝，或者保险公司官网上直接下单，适用于一些简单的产品。谨慎在不知名小平台投保，有些险种无法跨渠道续保，如果平台倒闭，身体条件不允许重新投保的话，会造成无法再次购买保险的情况，损害客户利益。


    进阶：啥划算，怎么算


    买的永远不如卖的精。保险公司的精算师们一定会让保险公司赚钱的，所以，这个“划算”只是从客户角度相对而言。

    买保险最“划算”的莫过于过了等待期之后立即出险，出险越早越“划算”。显然，这并不是人们愿意看到的，更不是保险公司愿意看到的。所以，算买保险的成本就要看整个周期的成本。一个保单全额交满缴费年期之后，总共交的金额才是这个保单的全部成本。

    比如，A保单年缴250元，保额10万元，缴费年期20年，保45年，到期返保费5000元。B保单年缴50元，保额10万元，消费型短期险，交1年管1年，啥也不返。嗯…头晕不？好像A看起来还不错的样子，没花钱，白给保了45年。

    但是，别忘了时间也是一种成本，货币贬值也是一种损失。现在每年交的250元是实打实的250块，45年后的5000元又有多少购买力？想想10年，20年前的物价吧。即使每年3%的贬值率，A相当于“花”了近3800元，保45年。而B如果保45年的话只要交2250元，成本显而易见。

    所以比起终身险种来说我更推荐定期（两全）险种和消费型险种，前者时间短，贬值损失少，而且满期后多能返个保费，后续调整方便（新的险种通常比旧的合适一些）。后者是纯保障，每年花掉多少成本明明白白，不再是云里雾里。


    高级：玩转万能险，享受非均衡保费的优势


    万能险是一个比较特殊的险种。所缴纳的保费不是纯粹作为保障的费用，而是在扣除一定公司费用之后存入一个叫做“万能账户”的类似银行储蓄账户的地方，按月扣除保障成本。同时保额也不是像传统险种一样一成不变，而是可以根据自身实际需求在一定范围内自由调整。

    万能险的保障成本是根据年龄按月从账户中扣除，同时其保额可自行调整，这个特性决定了它可以是一个非常“划算”的险种，只要能折腾。年轻的时候，保障成本很低，可以用较低的保障成本享受更高的保额。随着年纪增大，保障成本增加，同时对保险的需求也不像原来那么高，这时候可以调低保额保留保单或者干脆选择退保，取出账户内剩余的现金价值