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October 08 最近最近： 1. 过于lay-back，振奋啊同学 2. 2nd time decline Goldman's interview, 无语, really bad timing... 严重怀疑我已经上了内部数据库的黑名单了 October 02 Really happy for Matt听说夏天一起实习的同学，一个个都找到工作，非常高兴。特别是Matt，我夏天最要好的朋友，今天打电话和我说他拿到Citi 的offer 了（好多同事end up with Citi，Citi 真的是相当的desperate啊。。。）我们这一届竞争太残酷了，完全都不是谁的错。这可能真的是最好的结局了。（夏天的exp 在resume 上想必也帮了大家很多吧） Anyways, really happy for you guys, we will meet in NYC soon. September 18 81条不为大多人了解却十分好用的小窍门（实用）(转载)
1.打嗝的时候，舌头下面含白糖！打嗝的时候 捏着鼻子喝水 就好了，打嗝的时候用大拇指用力掐中指指腹。就不会了 2.每天用红红的上海药皂洗脚，洗袜子鞋垫神秘的，可以去脚臭。 3.芒果在煤气上转几秒，那皮就很好剥了 4.番茄怕有农药，用开水烫下，皮就剥下来了 5.说个地球人都知道的，如果衣物上不小心滴上了油，在洗衣服之前，保持衣服是干的，然后在滴油的地方滴上洗洁精，再搓两下，洗的话就不会有油印子了 6. 有沙子或异物进眼睛的时候，立即吐口水，吐多点，然后不停地眨眼睛，百试百灵的 7. 家里很多杯子上都有茶渍，可以用牙膏刷，抹在茶渍上，一刷就下来啦 8. 白鞋刷完包上卫生纸晒，在阳光下曝晒，会很白~！ 9. 背上的豆豆，用浴盐或者上海硫磺皂，坚持一段时间就下去了 10. 维生素E涂睫毛,睫毛会变得又粗又长 11. 用蚊香点着了靠近瘊子，慢慢烤它，等到受不了拿远一点再继续烤，约一个星期左右瘊子就自己去根了。。。 12. 口腔溃疡时含白酒，等麻木没感觉了，就吐掉。（酒瘾大的咽了也行）。每天若干次，几天就好 13. 治鼻炎的偏方，用盐水冲刷鼻腔。 这是好听一点的说法，我每次都跟别人说把盐放到温水里，从鼻子吸进去，再从嘴里吐出来，很多人都觉得很恶心，全都不相信，但我人格保证，我们家已经治好三个了。 14. 想下歌的时候，很多网站只提供在线试听，但很多其实已经下载到了你的临时文件夹里（C:\Documents and Settings\zl\Local Settings\Temporary Internet Files），去里面复制，粘贴到其他文件夹就可以了 15. 被蚊子咬了以后用圆珠笔绕着咬的包画几圈可以止痒 16. 上海硫磺香皂，还可以拿来除腋下轻微的汗味哦！！！！ 我以前夏天会买一块，沾水厚厚的在腋下涂一层，要是干了就再加点水，这样浆起一天，晚上洗澡的时候，洗掉。这样一两次吧，整个夏天都不用什么汗珠止汗汗露什么的。 17. 以前手上总是长冻疮,擦药好了,第二年照样.后来我爹不知道哪里学的,在入冬以后,就每天用刚烧开的水炮生姜和花椒.等水稍微凉一点就让我泡手. 这个的关键在于,水要尽量热,只要你受得了,越热越好. 不过别烫熟了哈.这样坚持了一段时间,我手就没再生冻疮. 18. 慢性咽炎可以在每天早上用盐水刷牙，我是这样做了两年从此断了。 19. 煎鱼之前用姜擦下锅..就不沾啦 20. 用肥皂水洗磁砖地板，效果那叫一个好呀 21. 超级好东东——风油精！驱虫止痒，还可以去污渍，特别是原珠笔印，一擦就没了。 22. 爽身粉洒在白球鞋表面，可以防脏。 23. 粘性纸揭不下来的时候，用吹风机对着吹几分钟，很轻松就可以剥下来。 24. 把稀释后的柠檬汁均匀喷在头发上，吹风机热风吹干，头发会呈微酒红色，像染过一样哦！ 25. 肚子痛时，按虎口穴 26. 长冻疮的把白萝卜切条用火烤焦，趁热擦拭冻疮处，每天一次，直至冻疮消失，同学试过，第二年没再长 27. 痘痘很大严重时挤点牙膏在上面，消肿超快，只是2小时左右就要洗掉，否则那块皮肤会被咬黑 28. 喝不完的大瓶装可乐,可以到过来放比较不容易漏气哦,瓶口朝下，水就可以阻隔唯一的气口了 29. 流鼻血的时候，可以用手沾冷水拍后颈,还可以勾住两手中指一段时间 30. 有很多TX家里都有放久了受潮的茶叶～要是不严重就没有油的干净锅子，文火慢慢焙炒，只要2嘛分钟就OK了～要是不想喝了就用在冰箱的冷藏室内，找个布片把它包好，放在冷藏室一角，比专用的除臭剂环保多了～～一次放鸡蛋大一把就可以用2，3个星期～等他软趴趴的时候就可以丢掉了～或者用它清洗水槽！很好用哦～不要加水，就直接在水槽四壁摩擦～去油哦！ 31. 指甲油涂完后把指甲浸泡在冷水中，会干的很快速 32. 女孩子的丝袜比较容易被锐物刮破，买回来后放在冰箱冷藏里冻上一会儿，再穿的话就不是很容易破了。 33. 用自己的口水涂在较小的外伤口上（尤其擦伤、划伤等），对愈合伤口非常有帮助。 34. 听说用白萝卜切一段生的，在衣服上有锈迹的地方使点儿尽砸几分钟～用切口处砸，白萝卜汁一点点渗进去，然后把衣服搁置个几分钟～用清水加洗衣皂揉搓几下锈迹就掉了～TX可以试试～～ 35. 化妆品窍门： 睫毛液干了倒不含酒精的柔肤水或婴儿油或眼药水 指甲油干了倒洗甲水 指甲油冻过干的快 中档保养品精华保湿露代替眼霜 36. 吸盘吸不牢：1热水泡 2鸡蛋清 3 甜炼乳 37．用浓茶水或者隔夜的茶水涂睫毛会长长,一星期见效~~(有空就涂) 38. 夏天因为太热或者出汗吧,我背上都会长出小小的一粒粒的东西,用饱满的黄瓜或者芦荟睡前擦一次,不用洗掉.两三天就好了 39. 被蚊子咬,最快的方法是用香皂沾水后涂一下 40. 如果衣服上不小心沾上番茄汁或其它果汁，马上用湿纸巾擦，基本可以去掉不留痕迹（我的白色衣服已经实验过了）。 41. 那种杯子如果因为泡茶留有茶渍，可以打湿后用信纸（不知现在还有人用吗）擦，非常管用，尤其是瓷杯。 42. 多吃番茄可以治黑眼圈，吃习惯了不管再熬夜再辛苦都绝对不会有黑眼圈也不会面有菜色。不知道是VC在起作用还是别的元素。 43. 有水钻的饰物上涂一层透明指甲油,水钻就不容易掉了 44. 洗澡的时候用盐在皮肤上来回搓 一、可以去死皮 二、可以减肥 洗完澡后的皮肤灰常滴嫩。盐就是一般的食用盐。减肥的话就是在想要减的位置向下划 圈圈~ 45. 消小腿肉的办法，倒立然后两腿做蹬自行车。我是每天蹬一首歌的时间，效果真的很好 46. 坚持早上起来喝温蜂蜜水，皮肤会变好哟 47. 如果眼睛长麦粒肿，用棉线缠住中指，套住后打个结，来回的扯动棉线。如果两只眼睛都长的话就缠住两只手的中指，方法同上。不知道我表达清楚了没有。这个办法很管用，老妈刚把老爸的麦粒肿治好了。麦粒肿用线绑中指根部是因为那是心包经和三焦经的经过的位置。如果到了后期有灌脓的迹象，出了刺激这个穴位外，还要随时用热毛巾热敷眼部，我的麦粒肿就是这样好的，很有效果。 48. 因为和妈妈都超爱地毯 所以有些关于毯毯的处理方法～ 1。 酱油、醋、牛奶、冰淇淋、饮料等弄脏了地毯，可以先用布沾温水挤干后吸取，再用酒精擦洗喔 2。血渍弄脏地毯可用冷水擦洗，再用盐水或柠檬汁搓洗。不能用热水哦，因为血遇热便会凝固粘牢的 49. 如果唱K唱过头了的话 回家记得几喝杯热柠蜜喔~~ 50. 笔记本本不小心洒到了点水或是油什么的 可以暂时先用吹风筒吹下下 ，然后关机喔 在没送到客服之前千万不要再开机用哦，这样利于修理哈 51. 洗衣粉很伤鞋子哦 像Converse的帆布鞋的白色鞋头和4周的橡胶边边用牙膏刷 白很赞的 ，还记得不要阳光下爆晒喔 52. 书或是资料被水弄湿了 稍稍擦干干 然后用比它厚重的书挤压好了 套上塑料袋 放进冰箱的冷冻层 让它和冰淇淋睡一觉 过半天再拿出来 书会变会原来的样子喔 53. 罗丽斯头油 烫了十多年发了，每年两次，从不烧钱做保养，只是在洗完头擦干头发后抹一点这个头油。烫过的头发从来不开叉，头发干了以后又不用喷定型水，也不会蓬开。我原先以为是自己发质好，停用过或改用其它洋牌子，结果马上变黄干枯开叉。价格便宜，三块多钱，只是注意别抹太多，可能会感觉头发比较油。小的联华超市有售 54. 每天一只羊眼 大枣 桂圆熬成的汤（一碗的分量就足够了），对于假性近视回复那叫一个效果好，对于真性近视，也有明显改善视力的效果，我就是属于后者。但是，每天这样吃容易上火，所以要注意啦！ 55. 涂改液（修正液）弄在手上怎么办：用桔子皮或者橙子皮，挤出一点皮上汁液，擦擦就去除了 56. 匡威这类帆布鞋怎么洗？ 用柔软的布，其实丝袜就可以啦，配合洗洁精，洗的干净不伤鞋！ 57. 百事可乐倒在厕所地砖上，半个小时去擦，去污垢，不伤地砖，不知道会不会奢侈。 58. 川贝炖雪梨冰糖水，对咳嗽有奇效，川贝在中药店有售，每次10克这样，每天两次，要热热的喝下去，我上次咳嗽一个月吃药打针都没好，后来就是喝这个糖水没几天就痊愈了，身边朋友咳嗽听我用这个方子也好了。 59. 猫猫要是长了猫癣，把患处的毛剃干净，然后每天抹上一种叫“克霉唑”的软膏或者药水，给猫咪口服维生素B1，便宜又显效。 60. 推荐下丝瓜水,自己家种丝瓜截藤也能接的,没的话TAOBAO上20块一瓶,400多毫升,超赞~我爱挖黑头什么的,挖了脸就红,用丝瓜水敷面膜第2天就基本上就没了,而且顺便收毛孔美白.直接淘宝上批发了一箱回家 61. 夏天容易长痱子的人，经常用艾叶或金银花煮水洗澡，可避免起痱子，皮肤也变的滑溜，效果不错 62. 用支付宝打款，省银行汇款手续费。好象每日上限10000元 63. 下馆子吃饭，汤里自己搁点香醋，提味又有一定杀毒功效 64. 秋冬干燥，洗头后吹到8分干在发梢抹点橄榄油，防干枯开叉，次日感觉不会毛躁哦，8过不要抹多了 65. 咽喉上火干燥时早起喝杯淡盐水，要一口一口慢慢的咽下去，数日后自然痊愈 风油精可以溶解很多有机物，修正液，粘在桌子上的粘胶，不过我没试过洗衣服 感冒鼻子不通气可以用水杯或者水瓶的蒸汽熏，两分钟鼻子就通畅了 风寒感冒可以用沸水泡艾，泡脚，效果非常好（艾就是端午节时插在门上的那种植物） 66. 凡士林是好东西..对于很多嘴部皮肤敏感的同学可以拿来当润唇膏，很好用.. 67. 用透明胶把指甲钳头一端包一圈，可以避免剪指甲的时候弹的到处都是 68. 用凡士林按摩脚，然后穿袜子睡觉，第二天，给你一双粉嫩的脚。 69. 睡觉的时候，鼻子塞住，很难受，在脸上盖一块小手绢（轻薄的就可以），过会儿鼻子就通气了。 70. 常吃番茄可以帮助顽固性便秘 新买的沙锅 砧板（木制的）用水浸泡一晚可以防裂 有茶渍的杯子用牙膏擦洗（前面有很多朋友说过 强调一下真的很有用） 对付顽固油污用威猛先生（特别是清洗厨房瓷砖 一喷过几秒一擦就搞定 71. 0.025%的维A酸乳膏：偶尔出个痘子，睡前涂在豆豆上，起来基本就消了。 海普林：豆豆消了之后就消痘疤，这个是对付新生痘疤，无激素，有效果。 玫瑰果油：不贵，涂疤痕效果不错，包括旧疤，曾经小腿上被磕的一个小印记现在基本消除了，不过得经常擦并且按摩。 72. 给大家推荐一款真正非常好用又实惠到不行的面膜：雪完美 这是国货，香港那边也很多人赞 作为一般保养的话真的很好 是的，我从小长痘痘用了很多都不管用，大二的时候用了一瓶雪完美祛痘无印精华素和爽肤水，奇迹般的好了，很管用！！！ 73. 买绵白糖，而不是白砂糖；找个干净的塑料小盒，放进去一部分绵白糖；然后放一些水，不要太多，也不要太少，与绵白糖大概1：3的样子；这样把白糖润湿主要是防止白糖的磨砂效果太强烈把脸磨薄；等到洗脸的时候拿过来直接用就可以了。 1 先用水洗一下脸，把脸拍湿 2 取已经润湿的棉白糖（约半汤匙的量或者你看着办吧）抹脸上，哪儿有印儿重点抹哪儿，其他部分当然也可以用。 3 不要着急在脸上磨，先让白糖在脸上溶解一下，然后开始拿洗面奶开始洗脸，伴水轻轻按摩脸部，直至白糖完全溶解后，用清水洗净就可以了（也可以把白糖和洗面奶在手掌里先揉一下，然后一起用来洗脸）。 4 如果你觉得洗的不是很干净，因为白糖可能有些黏，拿少量洗面奶再洗一下。 一两天就有很明显的效果，几天下来效果很显著。 敏感肌的MM可以拿先在身上的皮肤试下，如果感觉不好就不要啦。 74. 家里的豆浆机做豆浆的时候留下来的豆渣不要扔掉，每天早晚用来洗一下脸，就是和着温水轻轻磋脸，洗干净以后再用冷水洗一下来收缩毛孔，那脸是又嫩又白啊。反正对我这种皮肤又油又干又敏感的人来说超好用，很清爽，又不会很干～ 75. 夏天穿凉鞋磨脚后跟，用便宜的雪花膏和醋调一下，去死皮嫩肤特别好， 妈妈常年这样涂脚底脚后跟，摸起来好嫩～～～～比偶用矬子挫效果好多了 76. **清除黑头粉刺的方法** 鼻头上的黑头粉刺很不雅观，用手去挤又常会留下痕迹，其实可以在洗完脸后，用手指沾些细盐在鼻头两侧轻轻摩擦,然后再用清水冲净，黑头粉刺就会清除干净，毛细孔也会变小。 **治疗流鼻血** 流鼻血的时候，如果左鼻孔流，就往右耳朵里吹口气，立刻止血！反之亦然。别问我两个鼻孔都流怎么办，如果你真的那么惨，建议你还是去医院吧. **治疗口腔溃疡** 果嘴里有溃疡，就用维生素C贴在溃疡处，等它溶化，溃疡基本就好了。。。 **赶走眼里的灰尘** 眼睛进了小灰尘，闭上眼用力咳嗽几次，眼睛里的灰尘就会自己出来了。 77. 扫地的时候地上有毛毛球球之类的扫不干净。如果家里有烂洞洞的丝袜，别扔，把丝袜套在扫帚上用水弄湿。再扫地的时候，毛毛球球、浮灰啥的都会粘在扫帚上，很干净很方便 78. 3m的痘痘贴对已经长脓的痘痘非常非常非常管用 屈臣氏的椰子香浴油好用又便宜，用完以后非常滋润，我翘腿都翘不住，皮肤太滑鸟 衣服上染了墨水用蔬菜汁可以搓洗干净 淘米水（要用力搓洗米粒）底下的浆敷在脸上，干了以后搓脸可以去死皮 用热饭团揉脸可以清除毛孔中的垃圾，坚持下去可以去黑头 打开饭锅那一下的水蒸气是最补水的 79. 鸡眼:无论鸡眼还是长在手指上或其它处类似的茧状物,拿烟薰,每天几次,联系个两三天,就好了~~回复如初,永不复发~~~这个偏方好像也是观音方中的,本人及朋友们亲身体验,超级有效 80. 用完的牙膏看似挤不出来其实里面还有好多，我是捏着牙膏的两头，然后扣在随便什么桌面的边缘，使劲拉一下，由下往上，牙膏就都堆在上面了，这招很管用，不管是塑料管还是铝管，都可以再挤出一大堆。 81. 喝茶的时候一次泡个两袋，喝完了一边眼睛一个敷个20分钟，可以消眼袋和黑眼圈。对大眼袋的人很有效，最好在起床的时候做，还有，最好是绿茶或红茶。 August 24 Sigh... T.TSuch a good news for jobs. Sigh...
btw, today when i was looking at the website of UCS, they have an event called "there is hope: internship/full time job search for international students".
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Wire: BLOOMBERG News (BN) Date: Aug 23 2009 18:01:01
UBS Faces Gruebel Gloom Until 2011 as Withdrawals Curb Recovery By Elena Logutenkova Aug. 24 (Bloomberg) -- In 24 hours UBS AG settled a six- month tax dispute with the U.S. and freed itself from partial ownership by the Swiss government. Investors applauded, sending the shares up 11 percent in Zurich trading. Now Switzerland’s largest bank by assets is bracing for a cold shower. It must stop rich clients from fleeing, rebuild its investment-banking division and return to profit after 38.5 billion francs ($36.4 billion) of losses over the past eight quarters. Meeting those challenges may take years. “I’m cautious of how quickly a recovery may come through,” said Neil Dwane, Frankfurt-based chief investment officer for Europe at Allianz Global Investors’ RCM unit, which oversees $85 billion. He declined to add to his UBS holdings last week. “The markets are getting too carried away about how easy 2010 and 2011 are going to be for UBS.” Chief Executive Officer Oswald J. Gruebel, who came out of retirement to run UBS in February, has refrained from saying when the bank will produce a profit or halt withdrawals by wealthy customers. In his six-month tenure, he has already announced 7,500 job cuts, sold a Brazilian unit, replaced three executive board members and tapped investors for 3.8 billion francs to bolster capital. A reversal in withdrawals will probably lag behind a financial turnaround at the bank, Gruebel, 65, told analysts and reporters on Aug. 4. Outflows may persist after UBS lost client advisers and as regulatory pressures reduce growth prospects for wealth management, he said. Gruebel ‘Gloomy’
“I’m sorry if I’m giving a gloomy forecast,” Gruebel said
after reporting a second-quarter loss of 1.4 billion francs. “If it were that easy to turn UBS around in one quarter from losses to profit, then I wouldn’t be here today. Someone else would have been here.” Gruebel declined to comment for this story. The bank’s chairman, Kaspar Villiger, said in an interview published yesterday in Switzerland’s SonntagsBlick that the “lion’s share of work is still ahead of us.” The decision on Aug. 19 to reveal information about as many as 4,450 accounts to U.S. tax authorities to settle a lawsuit may make it harder for UBS to stem defections at its wealth- management arm, the second-largest in the world. “Outflows are bound to continue,” said Guy de Blonay, who helps manage about $70 billion, including UBS shares, at Henderson Global Investors Ltd. in London. “Work remains for Gruebel to be done -- namely stopping the hemorrhaging of money in the wealth management unit.” Rising Redemptions
Rich clients have pulled 156.3 billion francs, or 7.8
percent of the assets under management at the wealth units, which manage money for individuals with at least $1 million to invest, since March of last year. UBS’s wealth management division also includes its Swiss consumer bank. Redemptions increased to 22.3 billion francs in the second quarter from 7.2 billion francs in the first. The last three months of 2008 was the worst quarter so far, with clients removing 58.2 billion francs. “It’s probably a matter of quarters before we see modest inflows come back,” said Matthew Clark, an analyst at Keefe Bruyette & Woods Ltd. in London who has a “market perform” rating on UBS. “It’s hard to know exactly how much control Gruebel has over that.” Gruebel’s dour forecast didn’t dampen investor enthusiasm for UBS shares when the Swiss government sold its 9.3 percent stake in the bank on Aug. 20. Orders for shares were four times more than the amount available. The offering followed by a day UBS’s agreement to divulge information to U.S. officials seeking possible tax cheats. UBS Rally
UBS admitted in February to participating “in a scheme to
defraud the U.S.” and agreed to pay $780 million and disclose the names of more than 250 clients who allegedly hid assets from the Internal Revenue Service. A day later, the IRS sued the bank for information on as many as 52,000 clients. In settling with the U.S., UBS escaped a fine and the possibility of litigation that could have destroyed the bank and crippled the Swiss economy, Swiss Justice Minister Eveline Widmer-Schlumpf said last week. UBS has advanced 24 percent since July 31, when Switzerland and the U.S. announced an agreement in principle on the tax dispute, making it the sixth-biggest gainer in the 63-company Bloomberg Europe Banks and Financial Services Index. This year, UBS is up 25 percent, less than the 90 percent gain in Zurich-based Credit Suisse Group AG, its largest Swiss competitor. Sixty-two percent of analysts recommend buying Credit Suisse compared with 29 percent for UBS, data compiled by Bloomberg over the past three months show. Free From Interference
The exit by the state, which agreed to invest 6 billion
francs in October to carry UBS through the financial crisis, leaves the bank free to pursue its strategy and lure bankers without interference from politicians, said Fiona Swaffield, an analyst at Execution Ltd. with a “hold” rating on UBS. Credit Suisse, which Gruebel ran for more than four years until 2007, sidestepped the worst of the credit squeeze and shunned state aid. Gruebel doesn’t want to “over-promise and then under- deliver,” said Patrick Lemmens, who helps manage about $14 billion at Robeco Group in Rotterdam and doesn’t hold UBS shares. “But he’s being confronted with such an optimistic investment community, which wants so much to buy into UBS and the restructuring story. I’d be somewhat worried in his shoes.” IRS Tactics
UBS lost its ranking as the world’s biggest manager of
money for the wealthy after Bank of America Corp. of Charlotte, North Carolina, bought New York-based Merrill Lynch & Co., according to a July report from Scorpio Partnership Ltd., a consulting firm in London. At the end of June, UBS oversaw 961 billion francs at its wealth management and Swiss bank unit and 695 billion francs at its Americas division, which includes the former Paine Webber Group Inc., the company reported. UBS and competitors are looking to the Middle East and Asia and emphasizing the stability of Switzerland and its institutions rather than secrecy in luring new investors. The success of the U.S. in prying names out of UBS is likely to embolden the IRS to try similar tactics with other Swiss banks, said Jacques de Saussure, a managing partner at Pictet & Cie., Switzerland’s biggest closely held private bank. “The private banking model may need to come under some review, and maybe the returns will be less attractive going forward,” RCM’s Dwane said. Starting From ‘Zero’
Even as Gruebel seeks to stem withdrawals at the wealth
management unit, which accounted for 71 percent of total revenue in the first half of this year, he’s also trying to shore up the investment bank. The rebuilding may take until next year because the bank cut risk and “lost key people,” Gruebel said on Aug. 4. Fixing the bank’s debt-trading business, the only one among the biggest investment banks to report negative revenue in the second quarter, may take nine more months, he said. The fixed-income unit missed out on a rally in credit trading and lost market share in the second quarter, Gruebel said. “He has to clean up everything, and now they’re starting practically from zero,” said Raoul Paglia, who helps manage about $75 billion including UBS shares, at BSI SA in Lugano. “It will take some time. Gruebel is right in not driving expectations too high.” Investment Bank Changes
Gruebel replaced top management at the investment bank in
April, naming Alexander Wilmot-Sitwell, 48, and Carsten Kengeter, 42, as co-heads of the unit to take over from Jerker Johansson, 53, who held the role for 13 months. In May, UBS hired Rajeev Misra, 46, who previously worked for Deutsche Bank AG, as global head of credit trading. Earlier this month, the bank said it added more than 20 senior bankers from competitors including Goldman Sachs Group Inc. to the debt unit. Dimitri Psyllidis, 42, joined as head of foreign exchange and rates trading globally. “For the first time I’m hearing good things about the management of the investment bank,” said Markus Granziol, 57, a former chairman and CEO of UBS’s investment bank who left the company in 2002. “Gruebel is a smart banker and a great trading mind.” Speculation as recently as February that UBS might dismantle or jettison its investment bank has died down. The securities unit was responsible for the bulk of more than $53 billion in writedowns and losses since the beginning of the financial crisis after a mistimed bet on the U.S. housing market. Earlier this month, Chief Financial Officer John Cryan, 48, likened forecasting earnings at the division to predicting weather in the U.K., after the business accumulated more than 59 billion francs in pretax losses over the past eight quarters. UBS already cut a third of the workforce at the investment bank over the same period and aims to bring total headcount to about 14,500 from the peak of 22,666 two years ago. “It’s going to be a much more restrained investment bank in the future,” said Clark at KBW. “I think the message is to protect the private-banking franchise from here on.” August 13 惶惶惴惴昏昏懒懒已经两次梦见HR 打来的电话了，惴惴不安，忐忑惶恐。连醒都不是噩梦那种的瞬醒，而是在半睡半醒中花好久才能分辨是梦是真。想到接下来找工作迫在眉睫，自己又丝毫动不起来，哎。
开始翻夏天时候记的笔记，发现当时学得太快，有的东西已经记不起来了。悲剧！
想买副墨镜好去玩poker
想买件苏格兰的球衣，印Fletcher July 31 Farewelli really like this job and i am grateful of the whole summer. i thought when ppl talk about how great ppl are there in the firm, it is totally bullshiting. it turns out i was so wrong. there are really great ppl, so nice, so considerate, so smart ...
it is so hard to imagine that those senior people are so approachable and the structure is so flat. when today i was saying goodbye to Neil, almost brust out tears, seriously.
this business is all about relationship, it's all about take and give. i took so much in the summer, i hope i can have a chance to give back.
thanks for everything, thanks, everyone. i love you all.
sorry, really dont know how to express myself better here.
July 06 所谓的紧迫感就是在Starbucks 里一边啃汉堡一边读新闻，要在10点星巴克关门我断网前完成一个global macro pair trade.
Objective #1, to survive, period. June 30 传说中的职业病it was raining outside the office.
A: to keep an umbrella in office is always like a call option
B: it really depends on how you think of the position you take. if i long sunshine, then umbrella is a put as a protection
C: long sunshine...
B: yup, and even i can make it a swaption, whenever it rains, i get the umbrella from swap
A: who the heck will write you a swaption like that?
D: (pulled out an umbrella from the drawer) i have a swaption!
B: no, that's just a put
D: but this is my back up umbrella
B: oh nice
D: actually i think it's more like a covered-call
......
Actually the only reason i stayed in the office is... you know... i am totally naked. June 29 A typical day早上4点50起床，坐5点20的班车，在班车上吃早饭，6点15开始上班，6点40左右开始发morning package，8点morning speak，10点sales calls，把pitch的观点一口气说完，然后开始记别人pick的问题，12点又有一个speak，1点回到桌子开始吃午饭，然后零碎做掉一些琐碎的事情，开始deal 各种email 和project，2点多出门赶火车，4点不到回到Park 1285，又一个speak，5点半结束，找个桌子开始做research，写email，7点不到发完最后一封email 出门，心中庆幸还好今天下午回了NYC，不然就是8点多到家的事情了，在地铁上单曲循环《清明雨上》，7点半到家，吃完饭，洗碗，稍微在网上闲逛一下，已然快10点了，准备一会儿洗个澡，然后再把手头的一点research 做完，就可以睡觉了。
hours倒还好，毕竟周末还可recharge一下，每天的压力是不小的。不过haiying说的对，if you cant handle the pressure, how could you be a good trader, 天塌下来，当棉被盖。不幸中的万幸，终于发饷了。
今天绵竹又地震了，bless all。
June 24 唉唉，做错事情了本来好好的事情，因为没问deadline，就放手先去做别的事情了，回过头来，发现老板昨天就要这个玩意儿了…… 悔啊
还真的是多做多错，啥都不做的人，天天在那里喊我很忙我很忙，明显效果比我这种不会喊的人强。接受。
今天去了Tiger，Julian Robertson 给我的书签了名。这个Legend 做的非常有样子，让人叹服。真应该好好学习，修身养性。学会和不喜欢的人打交道，才是最大的本事。不过Tiger 这么多Asian 还真没想到。 June 18 章子怡是怎么出位的（共两则）
一个meeting 结束后，speaker 问，你们还有什么问题么？我class 上一个女的非常flirting地问：when do you want to take us out?
反问：tonight?
答：sure!
豁得出去就是猛啊
在我这排的尽头坐着一个很低调的人，也就区区4个screens，平时也就穿一件白衬衫，从来没有西装领带的。也从不参与我们组的讨论，也从不知道属于哪个组的，反正我们组基本上从不和他说话。平时从来不trade，就看看新闻啥的。我一直以为是个cover emerging market 的sales。知道今天早上，我们在等senior speaker，我一看怎么他出现了。然后他张口说，我是US/North America 的head。 心底一阵恶寒。原来没什么人和他说话是不敢。 June 15 有趣人和人吧，真的是没法比。有的人把，会说话会做人会拍老板马屁会抱MD大腿，就是日子过得很滋润。
我坐在desk 前拼死拼活做我的project，他每天在那里email 这个MD email 那个client。拿了鸡毛当令箭，下午4点的speaker series，就算是要50分钟坐火车回纽约，你也不用早上11点就走吧。你走你的，人家发过来一个project 给我们两个人做，你不做就不做吧，还回个email 说 I am heading out, but Ryan will take care of it. CC给我，你这算屁，操。边上Anthony说，这就叫leadership呀，我听了笑个半死。
一个好差事，人家assign给我，知会你一声，你回就回吧，还cc 给我说，Ryan will do a terrific job! 妈的老子做出来的是什么job还要你来judge的？等你自己不要做的事情，凑过来和我说，hey Ryan, i want you to take more responsibility on this. 唉，还真是天生的领导者。偏偏碰到我这种最烦人领导我的。
本来你这种走后门进来的人，我也就睁一眼闭一眼，和你分一起算我倒霉。看人家做spreadsheet 用几个shortcut 就惊讶的像刘谦来了一样，简单的加减乘除还要问好几遍。
最烦这种自己把自己当回事的人，你会pitch 两个stock 就懂value investing了？那我炒炒外汇就George Soros了呢还！
我觉得我性格上对sales的痛恨真是与生俱来的。
算了算了，人家就是这点强啊，没办法。 June 14 JokeHere is what i have heard from trading floor:
a girl trader tells her friends that she wont date anybody with fewer screens than she has.
well, honestly, i can understand that. the first day i saw a guy with 8 screens in front of him, i told myself this is the job i wanna do. =.= with more than 4 screens, the first thing you need to do is to drag the taskbar verticle instead of horizontal...
things are going intense now, as wel as interesting. tons of info flow to me and it seems there are a ton to learn. while i am still in a pretty low pace and really lay back on my weekend. it's to do or die. June 10 Where comes core competence?昨天自己做饭high过头了，今天早上闹钟都没有听到，睡过了20分钟，还好我睡超过6个小时就自然醒的毛病拯救了我，眼看着express train 开走，差一点迟到。今天下定决心去买了一个loud alarm clock。
真正的考验就要开始了，更像是一个夏天的interview。没有时间适应和调整状态了。
where comes the core competence?
what do i want? June 09 目标球员目前的情况，大局观很差（econ 没学好么...
 )，个人技术不行（finance 也没学好...  ），属于饮水机球员。看来要先成为朴智星那样的球员，再向弗莱彻努力。也是，感觉自己很久没有努力了。知道自己有多无知，而世界多么知无尽，不是坏事。
一直很喜欢那种与生俱来就说话做事都很笃定的人。脾气要好，耐心要好，不要太mean。
June 08 First Day竞争还是惨烈的，压力还是不小的，形势还是不容乐观的。
虽说第一天也就是填填表格做个orientation吧，一个class的人倒也还是都见到了。这20多号人，算得上是high-profile了吧，我早上跑过去一坐，一问左边个是Booth的mba，右边个是NYU的mba，最后来的那个香港人，一聊原来是wharton的本科，经济不好干脆现在在princeton念master了，囧。其他再加些ivy kids，两个Georgetown。还有几个NYU的土地主，也就差不多了。看看人家吧，不是很technical的，就是很会BS和ass-kissing的，要不就是两都会的。其实我也两项都有，体育非常technical，讲中文非常BS，不过好像人家不是这么玩的 =。=
现在真的有些感觉到，什么叫everyday is a fresh new challenge，相信今后一阵子更会这么觉得。生活忽然进入了高速直道，开始急行军，掉队了就没赶了。不过也不完全是坏事，我本来还纳闷自己怎么一点都不excited，现在倒开始觉得有点亢奋了，不错。 |
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