微动态丨钱握在手里最踏实？《华盛顿邮报》报道：拥抱慢生活！

#张雪峰吐槽还60万房贷利息57万#的词条冲上热搜，引发大量网友讨论。

与此同时，农行对雄安购房者推出连心贷的事件也登上了热搜榜。

农业银行工作人员介绍称，“连心贷”是为了明确婚前财产的归属或者增强还款能力，未婚男女朋友作为共同有权人，由双方或者一方申请的住房贷款。该业务是总行的业务，由各分行进行实施。

(资料图片仅供参考)

这两个热搜不禁让人想起了之前连上热搜的“延长贷”、“祖传贷”事件。

广西南宁市多个楼盘对外宣称“住房按揭贷款年龄期限可延长至80岁”，尽管已经遭到多家银行否认，但是这一事件仍然在网上引发热议。

稍早之前，“接力贷”成为网友热议话题。据中新经纬消息，建发央著工作人员称，百岁贷是接力贷，之前贷款年龄最多是到65岁，现在有个别银行可以到70岁，然后子女做接力贷，用子女的年纪来贷，可以贷30年，70岁加30年正好是100岁。

80岁贷，90岁贷，百岁贷，连心贷，加上刚出的政策：发行基金支持炒房，解决炒房不好交易的问题。

房市难降价，百姓难买房。于是制定各种政策想方设法刺激老百姓掏钱买房。

为什么会有这种情况产生？

因为在房市，想套现离场的人远多于“刚需”消费者。三年疫情，老百姓经历了太多苦难，明白了钱才是王道。

《自然》杂志子刊《人类行为》在去年10月发表了一篇名为《自疫情以来预期寿命发生变化》（Life expectancy changes since COVID-19）的文章，文章中指出：“疫情导致欧美大部分国家预期寿命在过去70年中史无前例的下降！到2021年底，美国和部分欧洲国家的预期寿命持续低于大流行前的水平。”

据新加坡《海峡时报》报道，由于新冠疫情的影响，新加坡居民预期寿命出现有史以来首次下降。

根据新加坡统计局的数据，2021年新加坡居民出生时预期寿命(Life Expectancy at Birth)为83.5岁，与疫情前2019年的83.7岁相比下降约2个月。这是自1957年有记录以来，新加坡预期寿命首次下降。其中，男性预期寿命为81.1岁，较疫前下降约两个月；女性预期寿命为85.9岁，与2019年持平。

在疫情期间意外频发、银行提前还贷被限制等新闻不停地出现在大众视野中后，更多人选择享受当下，就怕哪天突然嗝儿屁赚钱没花了。

美国经济衰退，中国股市震荡，银行存款利率下调……越来越多的人选择“硬通货”。存钱、买黄金，成为更多年轻人的选择；放轻松，慢下来，也成为更多老百姓的生活方式。

《华盛顿邮报》在两年前的一篇文章《是的，有恐慌。但我正在拥抱一种慢生活》（Yes, there is panic. But I’m embracing a slower life.）中提到了疫情给人们带来的改变：尽管疫情造成了全球大部分地区人们的恐惧，但它也强迫更多人的生活放慢了脚步。

作者为马里兰大学医学院的临床神经放射学家和研究员Erin O"Connor

Erin O"Connor 一家合影

Yes, there is panic. But I’m embracing a slower life.

Erin O’Connor

It took a virus to slow us down. My husband and I, full-time working parents of four children, have been keeping a rapid pace for as long as we can remember. We live in Howard County, Md., which has a strong school system and competitive youth sports programs.

One month ago, a typical weekend would include basketball games, multiple flag football matches and a gymnastics meet. When Sunday nights arrived, we were finishing school projects on a deadline, making the week’s schedule and preparing meals for the coming days.

The coronavirus pandemic has brought that frantic pace to a screeching halt. The boys’ first spring baseball tournament was canceled and our daughter’s state gymnastic meet was scrapped. Instead, we watched “The Sound of Music” and ate chips on the living room couch. The children’s schools are closed, and we are lucky enough to have jobs that allow us to predominantly work from home. Rather than driving the children to and from extracurricular activities in the evenings, we now review essays and math problems we assigned them earlier in the day. We eat dinner together on a daily basis, instead of devouring to-go meals in the minivan. We take evening family walks to relieve restlessness. My husband and I enjoy watching our kids, ages 13, 11, 9 and 9, run outside and play with one another. While I’m not going to say there haven’t been arguments, our children have been forced to appreciate the companionship their siblings provide.

I have often reflected on our life pace, aware of its frenzied nature. I would meet a work deadline only to find my email inbox flooded with new requests and obligations for work, children, house, etc. I wanted the pace to slow a bit, but just kept going because I was uncertain what to give up. My husband and I used to look at each other at the end of the night, exhausted, and say “Yes, we should try to slow it down.” But the next day would come with an equally rapid tempo. I often looked at the photograph my husband took that hangs in our center hallway and wondered, “How do I do that? How do I find peace?”

While the novel coronavirus has caused fear across much of the world, including in my own house, it has also helped me find a measure of peace. I am conscious that it took a pandemic to slow life down for me. I was unable to make that difficult choice voluntarily. Today, I conversed with neighbors (from a distance) whom I have not seen in months, without anyone’s child calling: “Mom we are going to be late!” We had the gift of time.

I am acutely aware of the dangers of the pandemic. My employer, the University of Maryland School of Medicine, is taking all necessary precautions to minimize exposure and preparing for full extension of the health-care system. My sister’s family is currently on lockdown in Italy, a country where the virus is raging and more than 5,000 people have already died of it. And I continue to witness economic hardship for small businesses in my community, now indefinitely closed. I am not minimizing the grave concerns and sobering death rates inflicted by covid-19, the disease caused by the virus, but I know the most important thing my family can do is stay away from other people. And doing that has made me question why it took a deadly disease for my family to enjoy a home-cooked meal together.

I rose at 5 a.m. Saturday to begin writing this piece before the kids began stirring and admittedly gave them screen time so I could finish it (just a few hours). I have two other unfinished pieces from previous years that I wanted to work on, but this is the first occasion that I completed this essay. After having some breakfast, my family will begin a jigsaw puzzle on the kitchen table — a definite first. I suspect we might complete it in a week, maybe two. My silver lining is that while I have a heavy heart for the many horrors of this crisis, I have been able to carve out a sliver of peace and gratitude in my home, as I suspect many of you have, as well. Maybe, it’s just in a different way than we were expecting.

CPA Practice Advisor的专栏作家Amy Vetter在疫情期间也写过一篇名为《疫情教会我们放慢脚步的重要性》(Covid Taught Us the Importance of Slowing Down)的文章。在文章中她提到，在疫情发生以前，WLB是一场持久战；疫情则让更多人学会了“放慢脚步”和“欣赏小事”。

WLB，Work-Life Balance，工作生活平衡，似乎是职场人的永恒命题。不知道从什么时候开始，享受生活的那部分被焦灼的工作压力代替，无法适时地放松自己。

而疫情造成的不便，给许多人创造了一个审视生活的机会，越来越多人选择慢下来，slow down。

放慢脚步 Slow Down

slow down，中文释义为“减速；放慢速度”。

举例：

① Do you need to slow down? 你需要放慢速度吗？

② The car slowed down. 汽车慢下来了。

慢节奏 Downshift

Youtube上有一位博主名为“downshiftology”，她在视频中展示了一些精致、抗炎的饮食。“downshitf”作为名词可以理解为“慢节奏”，作为动词有“降格工作（指为了过更高品质的生活而选择低薪工作）”的意思。

“躺平”曾引发热议，不少媒体讨论过疫情后年轻人选择“躺平”的话题。当下，很多年轻人进入“精神内卷，身体躺平”的状态。

当标题为《我毕业5年，存款5000，她中传硕士，火锅店保洁》的视频火了以后，更多年轻人加入了讨论。越来越多的年轻人选择正视自己的失败，大众也看到更多选择更少薪资工作，更多生活的人。

疫情过后，人们的生活方式似乎发生了更多变化：在线生活更完善，生活节奏更慢，与自我的相处模式更融洽。对于精致的追求不再是单一的“小资”，而是“快乐”和“安稳”。

而这样的改变，在经济下行的社会中，或许会持续很长一段时间。

不管怎样，祝大家，发大财，更快乐！

THE END.

期待更美好的未来

文字：Yur

编辑：Yur

图片：外媒报道

关键词： 人类行为 华盛顿邮报