Core Viewpoint - The article emphasizes the importance of careful consideration before making large purchases, particularly in the context of consumer loans and the financial burden they can create [3][12]. Group 1: Personal Financial Decisions - A former colleague regrets purchasing two cars, spending a total of 700,000 yuan, which has become a financial burden due to decreased income and high depreciation rates [2]. - The colleague's current income is approximately 200,000 yuan per year, leading to increased pressure from loan repayments and impacting his investment mindset [2]. - The article suggests that large expenditures should be justified as necessities rather than for appearances, especially in a challenging economic environment [3]. Group 2: Consumer Behavior Insights - There is a trend of high-income families struggling with credit issues, indicating that financial management is not solely dependent on income levels [12]. - The article highlights a shift in consumer behavior where individuals prioritize image over financial prudence, leading to unnecessary debt [12][14]. - It discusses the notion that many people are willing to take on debt for luxury items, which can lead to long-term financial stress [3][12]. Group 3: Investment Mindset - The pressure of debt can lead to a short-term investment approach, where individuals focus on quick gains rather than long-term strategies [2]. - The article suggests that maintaining a balanced approach to spending and investing is crucial for financial health [16]. - It advocates for using investment profits for discretionary spending rather than relying on loans for large purchases [7].

荣晟环保：公司实际控制人因个人原因被公安机关采取强制措施 正裕转债，杭银转债：强赎 太阳能：拟回购注销1亿-2亿元公司股份 蒙娜转债，宏微转债，天23转债，嘉元转债，精工转债，申昊转债，光力转债：不下修 交大铁发：北交所新股申购 恒帅转债：5月29日申购 关注集思录微信 特别提示 本文不构成任何投资建议，仅为信息分享。任何因本文导致的投资行为发生的亏损，本公众号 及作者概不承担任何责任。 集思录(www.jisilu.cn)是一个以数据为本的投资理财社区，专注于新股、可转债、债券、封闭 基金等数据服务。我们的理念是在保证本金安全的前提下，使资产获得稳健增长。 快捷查询： 金诚信：因矿震暂停卡莫阿-卡库拉铜矿地下采矿作业服务 搜索公众号"jisilu8"添加我们 隆基绿能：公司创始人申请辞去公司董事、总经理职务 ...

宏昌转债：强赎 福立旺：控股股东拟询价转让5%公司股份 本文不构成任何投资建议，仅为信息分享。任何因本文导致的投资行为发生的亏损，本公众号 及作者概不承担任何责任。 集思录(www.jisilu.cn)是一个以数据为本的投资理财社区，专注于新股、可转债、债券、封闭 基金等数据服务。我们的理念是在保证本金安全的前提下，使资产获得稳健增长。 快捷查询： 搜索公众号"jisilu8"添加我们 优优绿能：沪深新股申购 美股休市 关注集思录微信 特别提示 恒锋信息：控股股东终止协议转让公司部分股份 帝欧家居：股东水华智云及一致行动人增持公司可转债，合计拥有公司权益 6.45% 健友转债，节能转债：不下修 ...

Core Viewpoint - The article discusses the challenges faced by PhD graduates in finding suitable employment, highlighting the disparity in job opportunities based on academic achievements and the oversaturation of PhD holders in the job market [1][5][9]. Group 1: Employment Challenges for PhD Graduates - Many PhD graduates struggle to find suitable jobs, with some reporting a significant gap between their academic qualifications and available positions [1][5]. - The employment rate for PhD graduates is notably low, with statistics indicating that only 15% of PhD holders from certain institutions find employment [5]. - The competition for academic positions is intense, with only the most accomplished PhD graduates securing roles in prestigious universities, while others may struggle to find even basic teaching positions [2][12]. Group 2: Job Market Dynamics - The job market for PhD graduates has become increasingly competitive, with a significant number of graduates vying for limited positions, particularly in academia and research institutions [4][13]. - The perception of PhD degrees has shifted, leading to a situation where the value of such qualifications is questioned, and many graduates find themselves in roles that do not utilize their advanced skills [9][11]. - The article notes that the oversupply of PhD graduates has led to a devaluation of the degree, making it difficult for individuals to leverage their qualifications effectively in the job market [6][8]. Group 3: Alternative Career Paths - Some experts suggest that PhD graduates consider alternative career paths, such as civil service or positions in research institutions, where academic achievements may not be as heavily scrutinized [3][15]. - The article highlights the potential for PhD holders to explore opportunities abroad, where their qualifications may still hold value, particularly in countries that offer favorable immigration policies for skilled workers [6][9]. - It is recommended that PhD graduates focus on building networks and leveraging relationships with mentors and peers to enhance their job prospects [6][11].

博士毕业后感觉工作很难找，求建议 由一顿29元的Q骨套餐说起 https://www.jisilu.cn/question/509683 关注集思录微信 特别提示 本文不构成任何投资建议，仅为信息分享。任何因本文导致的投资行为发生的亏损，本公众号 及作者概不承担任何责任。 老婆今年化工专业博士毕业，33岁，迟迟找不到合适的工作，从毕业前就开始找，一直到现在毕业了也没找到，简历投出 去如石沉大海毫无回音。本人工作收入尚可，可满足家用略有结余，家里有一男孩，目前两岁，家庭经济压力倒不甚大。 但是，读书十余载，找不到合适的工作，对老婆心理造成了很大的焦虑，未来怎么规划也是未知，很是迷茫，想听听大家 的建议。 博士毕业后感觉工作很难找，求建议 https://www.jisilu.cn/question/509593 投资者对社会的意义在哪里？ https://www.jisilu.cn/question/509575 对于白酒行业，大家都怎么看？ https://www.jisilu.cn/question/509631 搜索公众号"jisilu8"添加我们 集思录(www.jisilu.cn)是一个以数据为本的投 ...

睿智的集思录，以前大部分时间都在潜水学习。 想聊聊自身的困惑和迷茫，个人情况年龄40+还不到45，在一线城市有房有车有两娃。夫妻两 都有相对稳定工作。有一定的存款在做投资，操作不多，基本不做短线，收益率比不上这里 的大神，只能说年收益率盈多负少。经济上因为需求不是太高，目前倒没有太大压力。 本人本来对工作投入比较多，也有一定的成长空间，但是近期遇到一些事情，可能会影响到 后续的发展，职业生涯急转直下，对于这个年龄还要蹉跎几年有些心灰意冷，而且在单位也 总觉得别人会后面讨论心情也不大好。而且觉得人生一世，要一直顺利也行，不顺也得接 受，一直难过郁郁不得志也不是个事，也得让自己和家人开心。 集思录上大神比较多，年龄阅历经验各方面都有很多值得我学习的，也想请大家分享分享人 生中遇到最难的时候是什么，大家都是怎么渡过的呢 希望在过程中和大家共勉，平凡，平淡，乐观中也能孕育强大的力量。 孔曼子 从全世界范围看，战乱国家、动荡国家、最不发达国家，大部分人生活与你相差甚远，数量 以十亿记。 从全中国范围看，落后地区、贫困地区、城乡结合地区，大部分人生活与你相差甚远，数量 以亿记。 从全北京范围看，外来民工、吉祥三宝、生病失 ...

Group 1 - Aladdin's wholly-owned subsidiary has had bank accounts frozen amounting to 25.49 million yuan [1] - Jiuzhou's convertible bonds are not subject to strong redemption [1] - Zhongce Rubber is involved in the new stock subscription on the Shanghai and Shenzhen exchanges [1]

利息:可转债到期付息，不到期有波动，下修，都可盈利。 套利:注册两个iD，一个多黄金，一个空黄金。天天无脑各平台唱写发实盘。赢的一方收割粉丝建 圈收费。 最近读了《投资最重要的事》，作者认为只有把握住投资盈利的确定性，才能获得持续的、长期 的收益。但是，怎么做才能把握投资的确定性呢？有集友说把握住周期规律，低买高卖。可怎么 判断行业的周期处于什么位置呢？即便判断出行业估值非常低，短期内不一定上涨啊，涨了也不 一定能拿住啊。 Aolin120 确定性 举例 价值，股息类5%/大公司业绩稳定。分散买入。股灾不影响分红。股价太低就会股息率变高自然 有人买入抬高股价。 波动，3000-3500网格，上证etf。只要开盘就会波动。 折价:低位买入中证1000期指每年10%-15%贴水。指数点位总会回来。 以上只是举例。就是要有锚⚓。找到自己理解认可的确定性。但这个确定性不是主观推测的。最 好是数学逻辑类的。不懂股票的人也能听懂。 股票是最不容易三知道的（股价＝盈利×估值。盈 利稍微好预测一点，估值可是千变万化）。可以尝试可转债，指数，债券等相对简单的品种。 wxhcome1987 补充下师座的 确定性来自规则 数学 和 ...

Core Viewpoint - The white liquor industry is facing a decline in consumption driven by changes in consumer behavior, particularly among younger generations who are less inclined to drink alcohol, alongside a decrease in government and business consumption [1][4][6]. Group 1: Consumer Segments - The three main consumer segments for white liquor are government consumption, business consumption, and residential consumption, with current trends indicating a decline in all three [1]. - Government consumption is currently restricted due to bans on alcohol, while business consumption is suffering from overall economic difficulties [1][7]. - Residential consumption is declining as younger consumers are not engaging with traditional drinking culture, leading to a shift towards high-end liquor instead [1][4]. Group 2: Market Dynamics - The white liquor market is experiencing a shift in consumer habits, with younger generations rejecting the traditional drinking culture associated with alcohol, particularly in social settings [4][6]. - The price structure of the white liquor market is under pressure, with reports of price collapses and reduced demand for high-end products, as evidenced by decreased subscription rates for premium brands like Moutai [7]. - The historical growth of the white liquor market, driven by high return on equity (ROE) and strong dividend payouts, is now being questioned as the consumer base ages and health concerns about alcohol consumption rise [5][6][7]. Group 3: Investment Considerations - The perception of white liquor as a status symbol and gift item remains, particularly among the middle class, which may provide some stability to the market despite current economic pressures [12]. - The long-term viability of the white liquor market is uncertain, as health implications and changing consumer preferences could lead to a sustained decline in demand [6][7]. - The market is segmented, with high-end brands like Moutai operating differently from lower-end products, indicating a potential divergence in performance across the industry [8].

Group 1 - The controlling shareholder of Jingwang Electronics plans to reduce its stake by no more than 3% [1] - Jiemai Technology's subsidiary has signed a strategic cooperation framework agreement with a solid-state battery manufacturer [1] - Pulitui's stock and convertible bonds have been delisted [1] Group 2 - Guocheng Mining's credit rating for its convertible bonds has been downgraded to A+ by United Credit [1] - Several convertible bonds, including Xiangjia, Fangyuan, Wentai, Yongjin, Leizhi, and Wenke, will not undergo adjustments [1]