20 Timeless Money Rules

http://finance.yahoo.com/banking-budgeting/article/103404/20-Timeless-Money-Rules?mod=oneclick
by Carla Fried
Thursday, August 23, 2007
provided by

Money Magazine collected the best advice from some of the smartest investors (and other people) who have ever lived.

1. Be humble


When you do not know a thing, to allow that you do not know it--this is knowledge.
--Confucius

Investing is a big bet on an unknowable future. The mark of wisdom is accepting just how unknowable it is. Granted, that's not easy. Our brains are built to think the future will be like the near past. And we're too ready to act on the predictions of pundits, who are no more clued in than we are about what lies ahead.
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Being humble in the face of uncertainty keeps you from costly mistakes. You won't jump on yesterday's bandwagon. And before you invest, you'll be more likely to ask a key question: "What if I'm wrong?"

2. Take calculated risks

He that is overcautious will accomplish little.
--Friedrich von Schiller

The returns you get are proportionate to the risk you take. This is a fundamental law of the markets. It's why five-year CDs typically pay more than six-month ones and why you're disappointed if your emerging markets fund does no better than its stodgy blue-chip stablemate. History unequivocally supports this "no free lunch" principle. Going back to 1926, stocks (high risk) have paid more than government bonds (medium risk), which in turn have beaten low-risk Treasury bills.

Among many, many other things, this law suggests:

To earn returns high enough to build true wealth, you have to put some of your money in risky assets like stocks--the only investment to handily beat inflation over time.
If a financial salesperson tries to tell you his product offers a high return with no risk, get that claim in writing. Then send it and his business card to the SEC.

3. Have an emergency fund


For age and want, save while you may; no morning sun lasts a whole day.
--Benjamin Franklin

The first step in constructing any serious financial plan is to create an emergency cash fund--ideally, three to six months' living expenses--stashed in a low-cost ultrasafe bank account or money-market fund. Without this financial cushion, any unexpected expense can derail your long-term plans.

These days, happily, that emergency stash won't just sit idle. Top bank accounts like the one at UFB Direct (888-580-0049) and perennially competitive money funds like Vanguard Prime (800-851-4999) now pay more than 5%.

4. Mix it up


It is the part of a wise man to keep himself today for tomorrow and not to venture all his eggs in one basket.
--Miguel de Cervantes


Nothing can break the law of risk and reward, but a diversified portfolio can bend it. When you spread your money properly among different asset types, a rise in some will offset a fall in others, muting your overall risk without a commensurate drop in return. It's the closest thing to a free lunch there is in investing. To make the alchemy work, you must load up on assets whose up and down cycles don't run in sync: stocks (both U.S. and foreign, as well as large-company and small), bonds (of varying maturities), cash, real estate and commodities.

5. It's the portfolio, stupid

Asset allocation...is the overwhelmingly dominant contributor to total return.
--Gary Brinson, Brian Singer and Gilbert Beebower

Most investors concentrate on trying to choose the best stock and pick the perfect moment to buy or sell. It's a waste. What really matters to your long-term returns is asset allocation--that is, how you split up your portfolio.

Since researchers dropped this bombshell 20 years ago, experts have debated the size of the asset-allocation factor. Some say it accounts for 40% of the variation in investors' returns; others (like the original researchers) say 90%. But no one refutes that it's major.

6. Average is the new best

The best way to own common stocks is through an index fund.
--Warren Buffett

Here's the logic behind index funds, which aim simply to match the return of a market index: The average fund in any market will always earn that market's return (because in aggregate investors are the market) minus expenses. Since index funds match the market but have much smaller expenses than other funds, they will always beat the average fund in the long run. It's hard to argue with the math, and history bears it out (see the performance stat at right). Besides, if the Greatest Investor of Our Time believes that index funds are superior for most investors, shouldn't you?

7. Practice patience

It never was my thinking that made the big money for me. It was always my sitting. Got that? My sitting tight!
--Edwin Lefevre

This blunt warning was issued in Lefevre's 1923 fictional memoir, reportedly based on legendary trader Jesse Livermore and treated by many financial advisers like the Bible. Some 77 years later, behavioral finance professors Terrance Odean and Brad Barber's research into transactions by some 66,000 households between 1991 and 1996 found that those who traded least earned seven percentage points a year more than the most frequent traders. Moral: Once you arrange your assets into your ideal allocation, don't tinker. Rebalance once a year to keep your mix on track, but otherwise, listen to Livermore and sit tight.

8. Don't time the market

The real key to making money in stocks is not to get scared out of them.
--Peter Lynch

It would be so nice, wouldn't it, to sell before every market downdraft and then get back in just as the good times roll again. But it's too hard to pull off. Nobody knows when markets will turn (see Rule No. 1). And when they do, they tend to move in quick bursts. By the time you realize an advance has begun, most of it's over. Miss that initial stretch and you'll miss out on most of the gains. The lesson: The surest way to investing success is to buy, then stick to your guns.

9. Be a cheapskate


Performance comes and goes, but costs roll on forever.
--Jack Bogle

If you choose a fund that eats up 1.5% a year in expenses over one that costs 1% (let alone the 0.2% that index funds may charge), your fund's return will have to beat the other's by half a point a year just for you to come out even. Past returns are no guarantee of the future, but today's low-cost funds are likely to stay low cost. Buying them is the only sure way of giving yourself a leg up.

10. Don't follow the crowd

Fashion is made to become unfashionable.
--Coco Chanel

Or, as the legendary financier Sir James Goldsmith has said, "If you see a bandwagon, it's too late."

In the late 1990s, there was no more fashionable bandwagon for investors than Firsthand Technology Value fund. It returned 23.7% in 1998, but investors really piled into it after it rocketed an incredible 190.4% in 1999. But by then, the bust of 2000 was about to unfold, and Firsthand was soon to become as passé as plaid trousers. The result was a chilling example of the perils of following the herd: While the fund posted a respectable 16% annualized gain over the four years through 2001, the average shareholder in the fund actually lost more than 31.6% a year.

11. Buy low

If a business is worth a dollar and I can buy it for 40 cents, something good may happen to me.
--Warren Buffett

The best Dow stocks of the past 10 years don't include Microsoft or Intel. But Caterpillar (Cat) makes the cut with a 212% return. In 1997, in the midst of tech madness, the market was so bored by the company's industrial-machinery business that investors paid just $11.50 for each dollar of earnings. If the stock's current value of 16.1 times earnings is right, that's nearly a 30% discount. Smart investors didn't need to foresee the coming construction boom. They only needed to call a bargain a bargain and trust the market to eventually wise up.

12. Invest abroad


The World is a book, and those who do not travel read only a page.
--St. Augustine

Over the 10 years through 2006, a portfolio split 80%-20% between U.S. and international large-cap stocks would have returned an average 8.4% a year, roughly the same as a portfolio invested 100% in domestic stocks. But because U.S. and foreign markets partially offset one another's ups and downs, the global portfolio was 4% less risky than the all-American (see Rule No. 4). Most Americans have less money in foreign funds than the 15% to 25% experts recommend. But you don't have to be like most Americans.

13. Keep perspective

There is nothing new in the world except the history you do not know.
--Harry Truman

When the Dow sheds 300 points in a day, it's natural to feel doomed. And when the market surges, it's easy to be convinced that stocks have entered "a new paradigm," to echo a bubble-era phrase. Don't delude yourself. As Sir John Templeton notes, "The four most expensive words in the English language are, `This time it's different.' "

To keep your perspective, remember:

In every bull market since 1970, stocks have dropped by 10% or more at least once. Average time to get back to even: 107 days.
Over time, markets tend to stick close to their long-term trends, called "regression to the mean." Manias and panics never last.

14. Just do it

It takes as much energy to wish as it does to plan.
--Eleanor Roosevelt

Financial planning is an unnatural act. The brain is wired to make us undervalue long-term goals and exaggerate the cost of short-term sacrifice. Yet studies show that people who do even a little retirement planning had twice the savings of those who did almost none. Heed the words attributed to Mrs. Roosevelt by doing the following:

Set concrete, attainable goals. "I'll pay an extra $100 a month on my credit card" is more likely to succeed than "I'm going to get my act together."
Then commit. Tell someone your plan and agree to a penalty--you'll do your spouse's chores for a month if you haven't saved $10,000 extra by June.

15. Borrow responsibly

As life closes in on someone who has borrowed far too much money on the strength of far too little income, there are no fire escapes.
--John Kenneth Galbraith

Face this truth: If you let them, lenders are only too willing to advance you more than is good for your family. Mortgage banks and credit-card issuers don't care if your monthly payment makes it impossible for you to sock away money in your 401(k) or fund your kid's 529 plan. You need to set your own rules, including:

No credit-card debt. Period. It's never okay to pay 15% to borrow for consumption.
Borrow only to buy assets that appreciate. A home, yes. Education, sure. A vacation, a fancy dinner or even a 50-inch flat-screen TV? No way.

16. Talk to your spouse

In every house of marriage there's room for an interpreter.
--Stanley Kunitz

Your most important financial partner isn't your broker. It's your spouse--you know, the one who probably owns half of all you do and whose fate is inextricably linked with yours. But research shows that spouses often don't agree on even such basic info as their income and savings. Wake-up call: To make smart decisions, you need to talk, and if you're like most couples, to do a better job at it.

Men: Don't assume she doesn't care about this stuff. She does. But you need to lay off the jargon and speak English.
Women: Don't just leave it all to him. At a minimum, know where the key papers are and how your money is invested.
Both: Focus on goals, not on being right. It's not a contest.

17. Exit gracefully

Only put off until tomorrow what you are willing to die having left undone.
--Pablo Picasso

Despite the words he reportedly uttered, Picasso was willing to die without planning his estate. It took years for his heirs to reach a settlement with French authorities. Although you may not have masterpieces to bequeath, you have no excuse not to take elementary steps to make life easier on those you'd leave behind. Covering the basics shouldn't cost more than $1,500.

To find a lawyer, ask friends and colleagues for recommendations or get referrals online at the website of the American Academy of Estate Planning Attorneys. For tips on dividing emotion-laden personal belongings--more often the flash point for family tension than money or big-ticket items--check out the website Who Gets Grandma's Yellow Pie Plate?

18. Pay only your share

The avoidance of taxes is the only intellectual pursuit that carries any reward.
--John Maynard Keynes

It's all well and good to put time into choosing the right investments. But being conscious of taxes puts money in your pocket too (at least it keeps it from being taken from your pocket, which amounts to the same thing), and the payoff is swift, certain and there for the taking. So take full advantage of tax-deferred benefits at work, like 401(k)s and flexible spending accounts. Stick with tax-efficient investments like index funds. And claim every deduction you're entitled to. According to the Government Accountability Office, taxpayers who could itemize but chose not to ended up overpaying by $450. Don't be one of them.

19. Give wisely

The time is always right to do the right thing.
--Martin Luther King Jr.

Granted, Dr. King did not have money on his mind when he spoke these words. But they also ring true in your financial life, since giving back is always the right thing. Still, there are more right and less right ways to do it.

Look beyond the headlines. It's fine to give money to disasters like the tsunami, but don't forget about smaller charities that go wanting.
Don't give over the phone. Telemarketers often take a cut of 50% or more.
Focus. Identify a cause that really speaks to you. Then devote most of your energy and charitable dollars to the organizations that best support it.

20. Keep money in its place


A wise man should have money in his head, but not in his heart.
--Jonathan Swift

People who say they value money highly report that they are less happy in life than those who care more about love and friends. Enough said.

中国男人,敢娶外国媳妇么？

 
2007年08月05日21:33:04 [新闻大杂烩]



不是不想娶，而是不敢娶Mitbbs.com

曾听过一个让人难堪的故事，几个中国男人在俄罗斯旅游时，被一个喝多了酒的俄罗斯女孩百般调戏，她抓着裙摆追逐着一群狼狈逃窜的中国男人，最后他们实在无路可逃了，干脆躲进房间里，上锁，还搬来沙发顶住房门……Mitbbs.com

难道梦露、麦当娜、布兰妮、库娃等流光溢彩的辣妹，只是“叶公”们床头的招贴画？她们真的就那么扫我们“性”吗？还是因为我们自己的“内存”不够，而造成集体的选择性“精神阳痿”？Mitbbs.com


娶洋妞不仅仅是带回一个人闹洞房Mitbbs.com

就我所知，娶外国妞的名人不太多，所以，在这里我要感谢姜文、周华健等“第一批吃螃蟹”的人，他们都有个（或曾经有过）地道的白种人太太。虽然在中国台湾，每4对新婚夫妇中就有1对是台湾男士与外籍女子的结合，但这些外籍新娘主要来自东南亚地区，进口新娘的广告也是“保证处女、一年内跑掉赔一个”，很像内地某些贩卖妇女团伙的低俗口头禅。显然，这样的“世界通婚”，根本不是真正意义的“娶洋妞”，反而有些丢脸丢到国外的感觉！如果你有雄心壮志迎娶欧美列国的洋妞回来，那才叫真正的突破，也才是我们要讴歌的爱情英雄。Mitbbs.com

外国女人Mitbbs.com

一个国家的气魄，往往可以从这个国家男人的爱情观里看出一些端倪。开放的中国需要男人有海纳百川的胸怀，娶洋妞是最感性温暖的一种，也可以借机扭转“阴盛阳衰”的被动局面，给男人争些面子。Mitbbs.com

其次，娶老外可以推动中国走向世界。衡量一个国家是否称得上国际化，有一项重要的指标便是外籍人士在该国所占的人口比例。娶洋妞，不仅仅只是带回一个人闹洞房，还有珍贵的文化嫁妆！文化的互相渗透，族群的互相交融，将给我们的民族带来新的气象与活力。混血儿是全世界最美的，也是最聪明的，这是文化杂交优势之所在。送来的财富或许可以再带走，而带来的思想观念与生活方式却永久地保留了下来，并影响到我们的子孙后代。说得远一点，娶外国女人，还有利于改造民族性格，她们的个性、观念、作风等都会直接影响到我们的下一代。Mitbbs.com

链接：中国内地男人，我看不上你们Mitbbs.com

洋眉眉为什么让“小生怕怕”Mitbbs.com

敢娶洋妞者多为自信、有国际口味与审美情趣的男人，他们大气，口大吃四方，而且一般有游学经历，观念比较新潮。有人曾做过调查，大部分中国男人是很欣赏洋妞的，但如果要娶其为妻，很多人就打退堂鼓了，为什么呢？中国男人有个弱点，想的太多，但是，做的不够！下面几个“关键词”，多多少少都影响到中国男人的决心与“性”心。Mitbbs.com

国力：这是客观因素，一个国家强大了，水涨船高，男人自然腰杆就硬了，信心也足了，什么皇帝总统的千金都敢追。有人曾绘制出一个“中国男人害怕的女人”排行榜：第一集团军大体来自美国、英国、加拿大等英语国家；德国、荷兰及北欧的女人由于个子偏高，金发碧眼的美女较多，因此排在令人害怕的第二集团；法国、西班牙、意大利等南欧国家的美女比较热情奔放，担心消受不起，于是成为第三集团；东欧、俄罗斯则相对温和些，所以排在第四集团。从这里，多少可以看出国力对一个男人的鼓舞作用或打击力度。中国的近代史几乎都是落后挨打、割地赔钱的屈辱史；再冷静地看一看，不得不承认当今世界，白人是占着上风头的，眼镜、西服、皮鞋、汽车、火车、轮船、飞机、电灯……甚至安全套几乎无一不是白人发明的。这样的大背景下，中国男人想追求白人女子，还真的会有些门不当户不对的胆怯与尴尬。Mitbbs.com

口味：中国男人天生喜欢小鸟伊人、温柔精致的东方女性，对相对粗枝大叶开放狂野的洋妞有一定的心理障碍。据说上帝是这么造人的，先用泥土捏成人形，然后放在火里烤。黑人是烤焦了，白人是没烤熟，只有我们黄种人，烤得刚刚好。所以白人女子的面部轮廓分明，身材凹凸有致，远看确实很性感，走近一看，身上黄毛毕露，皮肤粗糙，有偷工减料之嫌，还有一种黄油味道，而且很多白人女子30岁不到，身材就成功地从可口可乐瓶子升级为白兰地酒桶。Mitbbs.com

尺寸：总的说来，洋妞个子相对高些，这对中国男人无形中构成一定压力，往深处想，许多男人就退却了，因为他们想到了性能力。好大喜功的中国男人从形而上给自己的性能力来了个下马威，自己吓自己，虽然多少也知道“大小不是距离，长短不是问题”的道理，但仍然对洋妞抱有某种敬畏而不是亲近心理。这样一来，自然就有畏难退却情绪了。不久前，香港有人研究发现，华人男性的“二弟”其实不比外族短，所以不要自卑。山不在高，有仙则名，我们判断一个人的价值不会仅从身高去考量，同样地，一个人“二弟”的价值与力量，也不应该单从长度来看。鞭长莫及！雅何须大？Mitbbs.com

外国女人Mitbbs.com

文化：是起床后洗澡还是上床前洗澡？是花明天的钱还是把钱存起来？诸如此类的文化差异与隔阂在涉外婚姻里是永远存在的。一般同国的男女之间，都可能 “始于相识止于相知”，更何况要与一个异族女子结婚！文化是一种烙印，从我们幼年时就深刻烙下了。虽然回家后可以在床上沟通，用最原始的方法搁置争端，不过，问题还是来了，因为“交流”绝对不是一次性的，男人是喜欢女孩说“我要”，可是也最怕她说“我还要”！Mitbbs.com

中国男人该充电了Mitbbs.com

你知道热情洋溢的外国女孩一般对中国男人是什么评价吗？“温柔、有礼、内向、害羞、做事认真有效率”是她们一致的看法。不过，她们总觉得中国男人少了那么一点点什么……“即使有机会，我也不会和中国男孩谈恋爱。因为感觉上他们像哥哥，妹妹和哥哥怎么谈恋爱呢？实在不来电……”这是美国女孩玛丽的感受，她在中国北京留学，她说她不是“老外”，已经是“老内”了，但是对中国男生还是没有来电的感觉。Mitbbs.com

看来，国产男人之所以对洋妞有些裹足不前，显然还与自身的情人气质与力度不够有关，该是我们反省与充电的时候了。近些年中国经济飞速发展，但直到今天，我们与西方人打交道时的自信心并没有随之提高，经常不能客观评价自己和别人、过分注意外国人的批评与赞扬。这样的心境之下，怎么可以从容自在地去追求白人女孩？连杨利伟都上天了，可我们还是不敢爱，不敢言爱。难道中国男人的血液里就没有这样的追求基因？Mitbbs.com

外国女人Mitbbs.com

回首历史，当古希腊男人为了争夺美女海伦发起战争时，中国的男人正忙着把自己的女人送来送去―――苏护为了免罪，把美艳的女儿妲己送到纣王床上；闳夭之徒为了救西伯侯，用搜罗的美女四处性贿赂。外国男人是为女人挑起决斗，中国男人是送美女换取和平，从西施到昭君不一而足。Mitbbs.com

如今，到了网络时代，网络拉近了我们与洋人的距离，世界渐渐变成一个地球村，这样“若比邻”的情况下，我相信中国男人对洋妞的感情会更坦然自然，也更主动积极，抬头不见低头见，熟能生巧，熟也能生情；同时，我们中国男人进“娶”心不够、害怕高攀、害怕被拒绝的缺点可能会逐渐被克服。Mitbbs.com

其实，一个男人讨厌你，你可能一点办法也没有，可如果一个女人不喜欢你，你却有一个百试不爽的灵丹妙药―――追求她！如果你曾经锲而不舍地追求过一个外国女子，尽管最终被她拒绝，那么，她今后的一生中只要和先生吵架，她就会在内心进行一番比较与怀念：“其实那个中国男人也不赖。”在这种情况下，她会跟自己的女儿灌输怎样的中国男人形象就可想而知了。设想一下，如果每个中国男人都追求过至少一个外国女人，那将有多少外国女子的回忆中会出现中国男人？又将有多少外国女人的女儿开始喜欢中国男人？！这是一个“战略眼光”。所以，我们现在能做而且应该做的，就是拿出勇气而不是自怜“兵器”，大胆去追求，那是怎样的一场轰轰烈烈的跨国爱情，原来太平盛世的爱情也可以如此波澜壮阔！Mitbbs.com

“你在桥上看风景，看风景的人在楼上看你”，卞之琳先生的诗句，一直都在我们的日常生活中上演。当中国普通百姓已经习惯了街头越来越多金发碧眼的外国面孔、不再盯着人家猛看时，殊不知这些老外的眼睛也正在打量着我们的一举一动。不过，与巩俐、章子怡等在国际上建树起来的中国女性魅力相比，中国男性在西方女性眼中的形象却并不乐观。从去年3月开始，上海社科院社会学所张结海博士带领他的团队，进行了一项名为“西方女人眼中的中国男性形象”的调查，目前课题组向我们介绍了他们的中期研究成果。Mitbbs.com

调查显示，在西方女人眼中，中国男性最值得称道的优点分别是“顾家”、“愿意为女性花钱”、“在男女关系上比较认真”；缺点则包括了“没有绅士风度”、“体形不好，缺乏锻炼”、“没有个性、缺乏独特见解”等，其中几乎每个受访者都谈到，很多中国男性有“随地吐痰”、“留长指甲掏耳朵鼻子”、“刷牙刷不干净”等恶习，给她们留下“很脏”的第一印象。Mitbbs.com

张结海在接受女性周刊采访时介绍说，这项调查分“问卷”和“访谈”两部分，有一百多位西方女士完成了问卷，二十多位接受了更为详细的访谈。受访者都是成年白人女士，都有在中国生活和工作的经历。Mitbbs.com

【正面】中国男性是“居家好男人”Mitbbs.com

-顾家Mitbbs.com

法国受访者A：我觉得中国男人，尤其是上海男人非常照顾他们的家庭，非常像个父亲，非常关心他们的妻子。举个例子，有一次，我和一个中国男同事去超市购物，他在超市的表现，让我不由发出这样的赞叹：你一定是个杰出的丈夫！因为这个男同事自始至终都参与到购物的每个细节中，比如挑选水果，挑选饮料等等；然而，在法国，去超市购物通常仅是女人的工作，女人独自去采购的很多，男人即使陪同着，也不会像中国男人这样，参与到每样东西的挑选中。很多法国男人根本不做家务，不洗碗，就是周末有空也不做。Mitbbs.com

-舍得为女人花钱Mitbbs.com

美国受访者：我觉得谈论这个问题首先要理解这样一个背景，那就是中国从来没有过像西方那样的、一个很彻底的女权运动，但是中国男人却自动地懂得尊重女人：为女人开门、拿包。我每次回国才意识到我在中国是如何被中国男人宠坏了。Mitbbs.com

去年国庆节黄金周，我的一个中国男性朋友，带我上街购物，他给我买了1000元人民币的衣服！当我向他抗议的时候，他说，“如果我有女朋友的话，我肯定不只给她买这点东西。”我就从来没有遇到过这样大方的西方男人，一次为我肯花这么多钱。西方男人中也许有这样的，可我运气不好没有碰上。Mitbbs.com


【负面】有些中国男性太不修边幅Mitbbs.com

-大男子主义Mitbbs.com

美国受访者：大部分中国男人有大男子主义思想。我经常听到我的中国同事说什么“这事搞砸了？我早知道要搞砸，一个女人她能弄好吗？”在美国有人敢说这样的话，你就等着上法院吧。有趣的是，我的中国女朋友们告诉我们，她们对付中国男人的大男子主义的招是，先哄着他们，然后用甜言蜜语控制他们、让他们干活。Mitbbs.com

法国受访者A：中国男性，尤其是上海人，给我的总体印象是，非常非常有好奇心。其次，有许多中国男性同事，我发现他们实际上相当自负，有一点大男子主义，你能感觉他们并不太想听来自女性同事的意见。Mitbbs.com

-不自信缺乏男性魅力Mitbbs.com

德国受访者：总的来说，中国男人追外国女人成功概率有8-9%(但外国男人追求中国女人的成功概率远远高于这个数字)，原因是中国男人不自信。谁会喜欢不自信的男人？中国男人不自信的另一表现是间接的，那些有外国女人做女友或者妻子的中国男人把这件事当成是一个可以炫耀的事情，把外国女人当成 BMW。Mitbbs.com

另外，似乎所有中国人的看法都是一样的，这怎么可能？每个人肯定有每个人不同的看法，可是，我认识的中国人他们看法都一样，就像一个模子里刻出来的人。所以我想那他们一定是说了假话，或者你们私下里先统一该对我们外国人说些什么。否则怎么可能所有的人的想法都一模一样呢？我们欣赏与众不同的男人。比如，王家卫。Mitbbs.com

美国受访者：不同的文化中，“男子气概”和“女子气概”的含义是不同的。当然，一般来说(非常一般地说)，在我们西方人看来，亚洲女人更有女人味，而亚洲男人更少男子气概。不过，我确实发现有一些(尽管不是很多)中国男人很有魅力。Mitbbs.com

-不修边幅Mitbbs.com

德国受访者：我经常会注意到有些中国男性给人的感觉非常不整洁，比如他们的指甲太长，还随地吐痰。我曾问过我的中国女同事，这些男人们留长指甲做什么，她们给我的答案是可以用来掏鼻孔或者掏耳朵，这真让我无法理解。另外，还有一些中国男人爱蹲在那里，这个我也非常不能容忍，我们那里只有小朋友会这么做，成人要么坐在地上，要么就站直。蹲在地方，给我的感觉是这个人像是没有脊梁骨，人的脊梁怎么能弯呢？Mitbbs.com

法国受访者B：现在在上海的外国人很多，相比之下，一些中国男性让我觉得不干净，指甲很长，藏污纳垢，还在马路上吐痰。吐痰在欧洲人眼里是非常坏的习惯，而干净在我们的文化中是最起码最重要的。中国男性也太不注重修饰自己，身材往往不是太瘦就是偏肥。Mitbbs.com

【访谈】挖出潜藏在内心的自卑Mitbbs.com

记者：你的这项调查非常有意思，我想先请问，最早是怎么想到这样一个题目的？Mitbbs.com

张结海：“西方女人眼中的中国男性形象”是我的一个切入点。在某些地方的中国人中，普遍存在“崇洋媚外”的心态，导致面对西方人时出现自卑心理。之所以选择中国男人对西方女人，是因为关于自信和自尊心这个东西，我们对男性的要求要高于女性。很多中国男性在面对外界批评的时候，有两个主旋律，一个是自卑，另一个是掩盖自卑，比如你一说他什么地方不好，他的第一反应是跳起来攻击你，其实这就是自卑，别人说到他痛处了，他才这么生气。接下去，解决“自卑” 问题最关键一步是首先你得自己承认“自卑”。我们做这项调查，是想看看外界，比如说西方女性是否已经发现了中国男人的自卑，如果是，我再回过头来告诉大家，你们的自卑已经被人发现了，不要再掩盖了。Mitbbs.com

记者：我注意有几个西方女性指出，中国男人不愿意找外国女朋友，是因为他们不自信，这种判断有依据吗？Mitbbs.com

张结海：我认为肯定有的。这种不自信，一方面来自经济条件，中国男性普遍觉得男的得比女的能干、有钱，但西方女性的收入可能会比他们高，他们不愿意 “高攀”；另一方面，我得说，中国男性有比较强的性焦虑感，比如说他会自说自话地认为西方女性生活作风很随便，或者对性的要求比中国女性高，那他要先衡量一下自己能否达到对方的要求。相反，中国女性找西方男朋友就完全没有这些顾虑。一位西方受访者也告诉我们，一个中国男性要找个西方女朋友，必须具备非常开放的头脑和灵活度，而这正是中国男性不擅长的。Mitbbs.com

【建议】好莱坞电影关乎男性形象Mitbbs.com

美国受访者：时下中国男人的形象在世界上不太好，好莱坞要付一定的责任。好莱坞电影里的中国男人没有一个好的。这两年，中国男人的形象有所提高，跟周润发有很大的关系，尤其是2002年《卧虎藏龙》上映之后，许多人在一定程度上改变了对中国男人的看法。所以这一点上你们还要感谢李安。我给你们提个建议，找一个世界上最棒的导演、再找一个身材最火辣(hot)、体型最好的中国男人、一个西方靓妹，拍一部电影，电影一定要拍得好看。在全世界上一放，我保证情况会立即变得不一样。Mitbbs.com