Somlar 的个人站点 — 技术笔记、开源项目与实验记录。https://somlar.com/https://somlar.com/blog/agent-concepts-react-plan-execute-patterns/https://somlar.com/blog/agent-concepts-react-plan-execute-patterns/介绍 AI Agent 的概念与原理，拆解 ReAct 与 Plan-and-Execute 两种主流模式，并列举其他较少用或过时的模式及其缺点。Thu, 19 Mar 2026 16:00:00 GMThttps://somlar.com/blog/ai-hallucination-token-bpe-context-compression/https://somlar.com/blog/ai-hallucination-token-bpe-context-compression/从 Token 通信、BPE 分词、Context Window、压缩算法等底层机制出发，系统梳理 AI 幻觉的来源与成因。Sat, 14 Mar 2026 16:00:00 GMThttps://somlar.com/blog/llm-ai-concepts-token-prompt-mcp-skill/https://somlar.com/blog/llm-ai-concepts-token-prompt-mcp-skill/用通俗易懂的方式介绍 LLM、Token、Content、Context Window、Prompt、Tool/MCP、Agent Skill 等 AI 应用中的核心概念。Mon, 09 Mar 2026 16:00:00 GMThttps://somlar.com/blog/rural-china-writing/https://somlar.com/blog/rural-china-writing/本文源于阅读《乡土中国》中“文字下乡”相关章节的思考，尝试从社会结构与生活经验的角度，理解文字、制度与乡土社会之间的张力，而非对现实作直接评判。Mon, 29 Dec 2025 06:00:00 GMThttps://somlar.com/blog/unit-13-3-how-mortgages-work/https://somlar.com/blog/unit-13-3-how-mortgages-work/房贷看上去只是利率和月供，真正决定轻重的却是期限、总利息和后续成本。把固定利率、ARM 和买房支出放在一起看，才知道压力会落在哪里。Thu, 06 Nov 2025 16:00:00 GMThttps://somlar.com/blog/unit-13-2-finding-a-home-and-reading-a-lease/https://somlar.com/blog/unit-13-2-finding-a-home-and-reading-a-lease/很多租房问题不是出在价格太高，而是出在细节没看懂。房源缩写、房型差别和租约条款，往往要到签完字以后才真正显出分量。Sat, 01 Nov 2025 16:00:00 GMThttps://somlar.com/blog/unit-13-1-renting-vs-owning-a-home/https://somlar.com/blog/unit-13-1-renting-vs-owning-a-home/租房和买房看上去像两种住房选择，实际却是两种不同的承受方式。真正该问的不是哪种更体面，而是哪一种更适合你现在的收入、信用和生活阶段。Tue, 28 Oct 2025 16:00:00 GMThttps://somlar.com/blog/copy-emoji/https://somlar.com/blog/copy-emoji/在维护 Mastodon 自建站点时，为服务器导入更多有趣的自定义表情可以大幅提升社区体验。本教程结合实际部署经验，详细介绍如何从其他 Mastodon 实例批量下载与导入自定义表情。Fri, 24 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-12-3-owning-leasing-and-the-true-cost-of-a-car/https://somlar.com/blog/unit-12-3-owning-leasing-and-the-true-cost-of-a-car/一辆车真正贵不贵，往往不是买下那天决定的，而是之后几年一起决定的。租赁、持有、保险、油费、维修和贬值，都会把真实成本慢慢推出来。Thu, 23 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-12-2-car-loans-and-monthly-payment-traps/https://somlar.com/blog/unit-12-2-car-loans-and-monthly-payment-traps/车贷最会迷惑人的地方，不是公式复杂，而是月供太显眼。只盯月供，很容易把贷款期限、总利息和车辆贬值一起忽略掉。Sun, 19 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-12-1-how-car-buying-really-works/https://somlar.com/blog/unit-12-1-how-car-buying-really-works/买车最怕的不是贵，而是被流程推着走。预算、预批、试驾、查车况和核对费用，少看一环，最后都可能多付一笔冤枉钱。Tue, 14 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-11-3-interest-compounding-and-inflation/https://somlar.com/blog/unit-11-3-interest-compounding-and-inflation/账户余额会涨，并不等于钱真的更值钱。把利息、复利和通胀放在一起看，才知道增长和购买力之间到底差了什么。Fri, 10 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-11-2-managing-bank-accounts-and-consumer-protections/https://somlar.com/blog/unit-11-2-managing-bank-accounts-and-consumer-protections/银行账户的问题，往往不是开户时发生的，而是管理时慢慢积出来的。账单、自动扣款、透支和存款保护，决定的是你的钱会不会平白出错。Sun, 05 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-11-1-banks-credit-unions-and-account-basics/https://somlar.com/blog/unit-11-1-banks-credit-unions-and-account-basics/银行和账户看似基础，真正影响的却是你每天怎么收钱、花钱和存钱。机构类型和账户分工一旦选顺，现金流会稳定得多。Wed, 01 Oct 2025 16:00:00 GMThttps://somlar.com/blog/unit-10-3-hiring-paperwork-and-unemployment/https://somlar.com/blog/unit-10-3-hiring-paperwork-and-unemployment/入职文件看似琐碎，一头连着工资怎么扣税，一头连着身份核验和失业缓冲。把 W-4、I-9 和失业保障放在一起看，工作这件事才算看全。Fri, 26 Sep 2025 16:00:00 GMThttps://somlar.com/blog/unit-10-2-pay-structures-and-reading-your-paycheck/https://somlar.com/blog/unit-10-2-pay-structures-and-reading-your-paycheck/同样是赚钱，不同收入结构背后的规则完全不同。工资、佣金、接案和零工怎么计税、怎么入账，会直接改写你看工资单和算净收入的方式。Mon, 22 Sep 2025 16:00:00 GMThttps://somlar.com/blog/unit-10-1-compensation-benefits-and-total-pay/https://somlar.com/blog/unit-10-1-compensation-benefits-and-total-pay/工作机会最容易让人看错的，不是工资太低，而是只看工资。把时薪、年薪、福利和总薪酬放在一起算，一份工作的轻重才会真正显出来。Wed, 17 Sep 2025 16:00:00 GMThttps://somlar.com/blog/unit-9-3-federal-income-tax-and-filing-a-return/https://somlar.com/blog/unit-9-3-federal-income-tax-and-filing-a-return/报税不是把数字填进表格，而是在说明你的收入、身份和可主张项目。把申报身份、扣除、抵免和准备材料理顺，流程就不再那么慌乱。Sat, 13 Sep 2025 16:00:00 GMThttps://somlar.com/blog/unit-9-2-how-to-read-common-tax-forms/https://somlar.com/blog/unit-9-2-how-to-read-common-tax-forms/税表难的从来不是编号，而是不知道每张表在说什么。把 W-2、1099、1098 和 1040 的角色分清，报税这件事就会清楚很多。Mon, 08 Sep 2025 16:00:00 GMThttps://somlar.com/blog/unit-9-1-what-taxes-are-and-how-they-work/https://somlar.com/blog/unit-9-1-what-taxes-are-and-how-they-work/税不会只在报税季出现，它早就散在工资、消费、住房和利息里。把税种和税率的基本逻辑理清，人才知道自己到底在为什么买单。Thu, 04 Sep 2025 16:00:00 GMThttps://somlar.com/blog/unit-8-3-paying-for-post-secondary-education/https://somlar.com/blog/unit-8-3-paying-for-post-secondary-education/为教育筹钱，顺序比具体来源更重要。先用免费的、便宜的和条件更好的资金，借贷压力才不会一上来就压满。Sat, 30 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-8-2-choosing-school-and-understanding-costs/https://somlar.com/blog/unit-8-2-choosing-school-and-understanding-costs/选学校最怕只看名气，也最怕只看学费。把总成本、净成本和项目质量放到一起比较，选择才不会只剩下一时冲动。Tue, 26 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-8-1-education-training-and-earning-power/https://somlar.com/blog/unit-8-1-education-training-and-earning-power/教育当然可能换来更高收入，但它从来不是自动兑现的承诺。把教育看成人力资本投资，才能同时看见回报、代价和不确定性。Thu, 21 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-7-2-contracts-consumer-rights-and-protection-agencies/https://somlar.com/blog/unit-7-2-contracts-consumer-rights-and-protection-agencies/消费纠纷常常不是从出事那一刻开始，而是从签字那一刻埋下。把合同、消费者权利和投诉路径放在一起看，才知道边界在哪里。Sun, 17 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-7-1-personal-information-and-common-scams/https://somlar.com/blog/unit-7-1-personal-information-and-common-scams/多数骗局并不靠高明，而是靠你来不及多想。看懂常见诈骗和身份盗用的路径，重点不是记套路，而是守住信息、判断和反应速度。Tue, 12 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-6-3-investment-risk-return-and-diversification/https://somlar.com/blog/unit-6-3-investment-risk-return-and-diversification/高回报之所以诱人，正因为它从来不稳定。把风险、时间和分散配置一起看，才知道自己是在投资，还是只是在碰运气。Fri, 08 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-6-2-retirement-planning-and-retirement-accounts/https://somlar.com/blog/unit-6-2-retirement-planning-and-retirement-accounts/退休规划真正要回答的，不是哪天停工，而是工资停了以后生活靠什么继续。社会保障、雇主计划和个人账户，各自守的是退休生活的不同缺口。Sun, 03 Aug 2025 16:00:00 GMThttps://somlar.com/blog/unit-6-1-saving-vs-investing/https://somlar.com/blog/unit-6-1-saving-vs-investing/该存的钱和该投的钱，怕的不是分得不细，而是混在一起。把安全、流动性和长期增长分开安排，账户和目标才不会彼此打架。Wed, 30 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-5-4-property-and-car-insurance/https://somlar.com/blog/unit-5-4-property-and-car-insurance/住的地方和开的车，都是最常见也最容易被低估的财产风险。看懂房屋险、租房险和车险到底各保什么，才知道哪一层该自己扛，哪一层该交给保险。Fri, 25 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-5-3-life-insurance-and-estate-planning/https://somlar.com/blog/unit-5-3-life-insurance-and-estate-planning/身后安排从来不只是留多少钱，而是钱给谁、谁来做决定、孩子由谁照看。真正稳妥的准备，是让家人在最难的时候不用靠猜。Mon, 21 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-5-2-health-disability-and-long-term-care/https://somlar.com/blog/unit-5-2-health-disability-and-long-term-care/医疗保险管账单，失能保险管收入，长期护理保险管照护。把这三层分清，出事时才不会让现金流、工作和家庭一起失守。Wed, 16 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-5-1-insurance-basics-and-risk-management/https://somlar.com/blog/unit-5-1-insurance-basics-and-risk-management/保险处理的，从来不是日常小麻烦，而是一个人扛不起的大损失。看懂风险、条款和附加保障，才知道哪一层值得真正交出去。Sat, 12 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-4-3-debt-repayment-and-bankruptcy/https://somlar.com/blog/unit-4-3-debt-repayment-and-bankruptcy/债务并不总是坏事，但一旦失去节奏，它会先吃掉现金流，再吃掉选择。真正要紧的，是尽早看出它什么时候开始变重。Mon, 07 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-4-2-loan-types-and-apr/https://somlar.com/blog/unit-4-2-loan-types-and-apr/很多人不是借错了钱，而是没看懂自己借的究竟是哪一种钱。分期、循环额度、APR、固定利率和浮动利率，差别都藏在条款里。Thu, 03 Jul 2025 16:00:00 GMThttps://somlar.com/blog/unit-4-1-borrowing-money/https://somlar.com/blog/unit-4-1-borrowing-money/借钱买到的从来不只是眼前那件东西，也包括利息、期限、资格门槛和风险。真正重要的，不是能不能借到，而是借得值不值。Sat, 28 Jun 2025 16:00:00 GMThttps://somlar.com/blog/unit-3-2-financial-goals-and-net-worth/https://somlar.com/blog/unit-3-2-financial-goals-and-net-worth/真正有用的财务规划，不是喊几句目标，而是把日子里的钱，一笔一笔安排到该去的地方。Mon, 23 Jun 2025 16:00:00 GMThttps://somlar.com/blog/unit-3-1-money-personality-and-values/https://somlar.com/blog/unit-3-1-money-personality-and-values/真正影响花钱、存钱和捐赠的，往往不是会不会算账，而是一个人面对金钱时的习惯、价值排序和心理偏向。Thu, 19 Jun 2025 16:00:00 GMThttps://somlar.com/blog/unit-3-3-payment-methods/https://somlar.com/blog/unit-3-3-payment-methods/买咖啡用现金，买电视用信用卡还是分期付款？引入 TCO（总拥有成本）概念，通过真实案例分析，学会在不同场景下选择最划算的支付方式。Sat, 14 Jun 2025 16:00:00 GMThttps://somlar.com/blog/unit-3-2-credit-cards/https://somlar.com/blog/unit-3-2-credit-cards/信用卡是建立信用的利器，也可能是高息债务的温床。本文深度解析如何读懂 Schumer Box 条款、计算真实利息成本，以及如何利用“余额转移”策略。Tue, 10 Jun 2025 16:00:00 GMThttps://somlar.com/blog/unit-3-1-credit-score/https://somlar.com/blog/unit-3-1-credit-score/信用评分不仅决定你能否贷款，还影响租房、求职甚至日常开支。了解什么是信用评分、如何查询和提升它，是建立良好财务状况的第一步。Thu, 05 Jun 2025 16:00:00 GMThttps://somlar.com/blog/unit-2-budgeting-and-savings/https://somlar.com/blog/unit-2-budgeting-and-savings/用 50/30/20 法则做预算、降低开支、建立应急基金，并学会「先给自己发工资」——一篇搞定理财第一课。Sun, 01 Jun 2025 16:00:00 GMThttps://somlar.com/blog/game-recommendations/https://somlar.com/blog/game-recommendations/Mon, 24 Jul 2023 07:48:00 GMThttps://somlar.com/blog/ssh-clashx-error-65535/https://somlar.com/blog/ssh-clashx-error-65535/Wed, 29 Mar 2023 00:00:00 GMThttps://somlar.com/blog/on-liberty-thought-speech/https://somlar.com/blog/on-liberty-thought-speech/Tue, 07 Jun 2022 00:00:00 GMThttps://somlar.com/blog/on-liberty-intro/https://somlar.com/blog/on-liberty-intro/Wed, 01 Jun 2022 00:00:00 GMThttps://somlar.com/blog/on-liberty-preface/https://somlar.com/blog/on-liberty-preface/Wed, 01 Jun 2022 00:00:00 GMThttps://somlar.com/blog/classical-music-intro-notes/https://somlar.com/blog/classical-music-intro-notes/Thu, 25 Mar 2021 00:00:00 GMThttps://somlar.com/blog/classical-music-intro-resources/https://somlar.com/blog/classical-music-intro-resources/Sat, 20 Mar 2021 00:00:00 GMThttps://somlar.com/blog/classical-music-intro-syllabus/https://somlar.com/blog/classical-music-intro-syllabus/Thu, 18 Mar 2021 00:00:00 GMT