这是我 2018 年到 2022 年朋友圈的整理，也是我这几年对反思的零碎反思。 1、 "小成需要朋友，大成需要对手。"-解放军语录 2、早上看见《道德经》这段，大概意思就是，器物真正发生作用的不是本身"有"的部分，是中间"空"和"无"的那部分。 "三十幅共一毂，当其无，有车之用。埏埴以为器，当其无，有器之用。凿户牖以为室，当其无，有室之用。故有之以为利，无 之以为用。" 3、黄峥说，"要把对成就一个无限完美的自己的兴趣，转移为对外部客观事物的兴趣。" 4、错误的正反馈："人生最不幸处，是偶一失言而祸不及；偶一失谋而事幸成；偶一恣行而获小利；后乃视为故常，而恬不为意，则莫大之 患，由此生矣。" 5、穷人的快乐是花钱，富人的快乐是省钱。 6、看见一个人的朋友圈签名是"顺大势，逆小势"。 7、去朋友家玩，还没进门，看见大门上贴着一个便条 "Those doors we open and close each day decide the lives we live". 现在他们要合租找室友了，合租公告里最后一段写着 "And those who were seen dancing were thought to ...

Group 1 - The article highlights that most investors are familiar with stock index funds but have limited knowledge about bond index funds and their investment strategies [2] - A free course is offered to educate investors on how to invest in bond index funds, including course notes and mind maps for efficient learning [2] Group 2 - The concept of zero-sum games is explained, where one party's gain is another party's loss, exemplified by a simple game of rock-paper-scissors [6] - In contrast, investing in stock funds is described as a positive-sum game, where all participants can achieve collective gains due to the profitability of the underlying companies [7]

#职业 #可能性今天晚上测试了一堆接口、跑了几个开源程序 docker 玩、卸载了 iterm2，拥抱 warp（不登录版）。虽然此刻我仍然一行代码也看不懂，但完全不影响我通过 cc 写代码实现需求。我有一种强烈的即视感：说不定过几年，真正的写代码也会成为我的日常。---这份即视感的源头，来自两个场景。1. 在 2014 年毕业的时候，我们班上有一位“大神”。在别人忙着找工作的时候，他已经独自交易实现盈利，炒现货期货。跳过了传统的应届生流程，过上了规律在家盯盘交易的日子。那时我对自己的认知，是一个垃圾学校的应届生，懂翻墙会搜索是我唯一的优势。（在当年，大家都太弱了，你懂得上外网下载一份漂亮的简历模版，就可以碾压同届。）我和“大神”在南昌合租过一段时间，我对这种生活状态非常羡慕，但是从未想过自己可能成为一个“交易员”。因为“独立交易”这种能力太过遥远，太不可思议了。完全突破了我当时对未来可能性的想象。2. 第二个场景，大约在 2020 年，我线下向一位网友请教职业发展。说来惭愧，彼时已经工作 6 年了，那还是我社交圈子里第一位能 one-on-one 请教的金融行业大佬。而且是来自播客听友群，不是工作领域。我问 ...

避险需求与投资选择 金价的火箭式蹿升，着实令人瞠目结舌。今早醒来，国际金价已然冲破3333美元/盎司的关口，国内金价也一路飙升至771.8元/克。面对如此疯狂的金价，是 该冷静观望，还是果断出手？ 投资金条：精打细算的明智之选 若论投资，金条无疑是更具性价比的选择。放眼四大行，工行金条价格为787元/克，建行为785元/克，中行则报783元/克。农行稍贵，为790元/克。尽管较 基础金价仍高出一二十元，但这部分溢价主要由加工费和手续费构成。相较于动辄溢价数百元的品牌金饰，金条在回收时的损失无疑要小得多。今日金条回 收价为761元/克，投资者可自行权衡其中的差价。 品牌金饰：溢价背后的价值考量 然而，步入金饰市场，价格却呈现出另一番景象。周大福、老凤祥等知名品牌，其黄金首饰价格已高达1002元/克，较基础金价高出200多元！这多出的费 用，实则是品牌溢价、精湛工艺费以及高昂的店面运营成本的综合体现。中国黄金等相对亲民的品牌，价格则为981元/克，两者间的差价足以购买一份精致 的小礼物。这笔差价是否值得，则取决于消费者对品牌价值的认可程度。 4-2-2-2-2 e 5.5.5.5 ter ust TO Or Q ...

Core Viewpoint - The podcast features a conversation between Li Xiang, CEO of Li Auto, and Luo Yonghao, discussing Li's entrepreneurial journey, financial successes, and challenges faced in the automotive industry [3]. Group 1: Li Xiang's Background and Achievements - Li Xiang revealed that he earned 20,000 yuan per month at the age of 18 and became a billionaire by 24, although he faced financial difficulties during his entrepreneurial journey, including a time when his bank account balance dropped to 50,000 yuan and even reached zero [6]. - He has been involved in over 40 companies across various sectors, including automotive and investment, with nearly half of them currently operational [8]. Group 2: Insights on the Automotive Industry - Li Xiang chose to enter the automotive industry due to its complexity and the challenge of succeeding in a standardized product market, contrasting it with real estate and tourism, which he found less product-driven [11]. - He mentioned that the recent backlash against Li Auto and its customers was orchestrated by competitors, indicating a competitive and sometimes hostile market environment [11]. Group 3: Personal Reflections and Work Ethic - Li Xiang expressed gratitude towards Wang Xing, highlighting him as a significant supporter during his entrepreneurial journey [9]. - He discussed the importance of focusing on three key tasks daily for success, contrasting his work ethic with that of Lei Jun, who is known for his exceptional diligence [14][16].

#投资表面上看，我的投资舒适区是 “买在无人问津处，卖在人声鼎沸时。”是这么做的，结果也很好。但这只是表面上。实际上我的投资舒适区，是“不在意”……因为我的主业是套利，那么主动交易我有的是耐心，和不在意。我可以一年做一笔，也可以三年做一笔，甚至可以十年做一笔。所以套利党做主动交易胜率很高，是理所当然的，同样也毫无意义。有很多 2020 年之后，BTC 还在越来越多的 holder。他们的主业有持续不断买入的现金流。这里难的是持续的、不依赖 BTC 的现金流，而不是买入。 ...

RT snow ❄️ (@snow949494)最近好多朋友问我：在中东怎么买房 + 拿黄金签证？我来分享一些经验👇作为住过6国/环球旅行80+国的"地球居民" 分享真实体验:没有完美的城市，适合自己的才是最好的。为什么选择UAE？1️⃣ 免税天堂 ！安全 全球最低犯罪率2️⃣ 时区优势：在中东生活，美股晚上12点前收盘就能休息，对身体健康好。又能同时链接中、美、欧三大市场。3️⃣ Web3 友好：政府积极支持4️⃣ 拿黄金签证：买房满 200万 AED（约55万美元）即可获得永居，无居住要求。这边医疗，教育，开银行账户和公司都很棒。缺点：沙漠气候，缺少森林和自然。但如果经常出差，可以弥补这个遗憾。为什么看好阿布扎比地产？持续的人口流入大于新房供给阿布政府实力‘最强金主’高质量人群持续迁入现在还处于早期建设阶段，3-5年后将完全不一样。我的判断：3年内有至少 翻倍潜力。推荐三个重点区域（Freehold）：1.Saadiyat Island（文化蓝筹之岛）•罗浮宫、古根海姆、UAE国家博物馆•纽约大学分校 & 最美海岸沙滩•位置相当于这里的 BTChttps://t.co/hc3Hk6VLPP Maryah ...

Core Viewpoint - The article emphasizes the importance of strategic asset allocation for families to optimize their wealth management and investment returns [2] Group 1: Industry Insights - The current market environment presents both challenges and opportunities for investors, particularly in the context of rising interest rates and inflation [2] - Diversification across various asset classes is highlighted as a key strategy to mitigate risks and enhance returns [2] Group 2: Company Analysis - Companies that adapt to changing market conditions and consumer preferences are more likely to succeed in the long term [2] - The article discusses specific sectors that are expected to perform well, including technology and renewable energy, due to their growth potential [2]

Group 1 - The core viewpoint of the article highlights that global central banks have significantly increased their gold purchases in the first quarter of 2023, reaching a record net purchase of 228 tons, a 176% increase from 82.7 tons in the same period last year, marking the strongest first quarter on record [1] - The total gold purchases by central banks over the last four quarters have surged to a record 1224 tons, compared to 1136 tons in the previous year, reflecting a substantial year-on-year growth of 152% [1] Group 2 - The largest single buyer in the first quarter was the Monetary Authority of Singapore, which purchased 69 tons of gold, bringing its total reserves to 222 tons, a 45% increase year-on-year [3] - The People's Bank of China increased its gold reserves by 58 tons, totaling 116.8 tons (412 million ounces) since November 2022 [3] - Turkey and India also increased their gold reserves by 30 tons and 7 tons respectively, with India's total reserves reaching 795 tons [3] Group 3 - The largest sellers of gold in the first quarter were the central banks of Uzbekistan (-15 tons) and Kazakhstan (-20 tons), while Russia's official gold reserves decreased by 6 tons to 2327 tons, although it still saw a year-on-year increase of 28 tons [4] - Other notable sellers included Cambodia (-10 tons), the UAE (-1 ton), and Tajikistan (-1 ton), with Croatia reporting a decrease of 2 tons in January [4] - The recent surge in gold purchases by central banks is driven by investment and hedging demands, particularly in light of economic uncertainties and banking sector turmoil in Europe and the US [4] Group 4 - The World Gold Council anticipates that gold investment demand will continue to grow healthily in 2023, while manufacturing demand is expected to remain relatively stable [5] - It is projected that global central banks will continue to buy gold in significant quantities, although the total may be lower than the record levels seen in 2022 [5] - There is also potential for moderate growth in global gold mine production and recycling [5]

Cryptocurrency Exchange Platforms - Recommends Binance for C2C transactions with a 10% fee reduction via provided link [1] - Suggests Pionex for grid trading bots, offering a 10% fee reduction through the provided link [1] - Highlights OKX as an on-chain entry point with a 10% fee reduction [1] - Mentions Bitunix as a fast-growing derivatives exchange, offering 5 USDT upon registration and up to 400 USDT for deposits [1] - Provides a Bitget exchange registration link with invitation code "ywfh0001" for a 20% transaction fee reduction [1] Stock Trading Platforms - Promotes ChangQiao Securities (Singapore and Hong Kong versions) for commission-free trading of US and Hong Kong stocks, waiving the need for proof of assets [1] Disclaimer - Explicitly states that the video content is promotional and does not constitute investment advice [1]