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存钱思维,正在毁掉大多数普通人
Sou Hu Cai Jing· 2025-09-25 01:30
房子呢?很多人盲目相信"房产保值"。过去十年确实如此,但现在市场分化明显,一线城市还行,二三线城市房价停滞甚至下跌。买房不是万能解药,它可 能是让你背上几十年房贷的枷锁。 真正聪明的人,早就换了思维: 你必须明白:钱是流动的工具,不是放在银行吃灰的摆设。钱要被用来创造更多的钱,而不是锁死在存折上。 朋友们,今天我要讲一个扎心的真相:大多数普通人,穷的根源就是"只会存钱"! 我们从小被教育要勤俭节约,能省就省,把钱存银行才最安全。可现实是,靠存钱,你永远不可能富起来,反而会慢慢被通胀收割,越存越穷! 你想想,现在银行定期利息多少?2%都不到。可物价呢?房价、教育、医疗,哪一样不是年年上涨?通胀3%、5%,轻轻松松就把你的利息吃掉。你以为本 金没变,其实购买力早就蒸发了。存钱不是财富积累,而是慢性贫穷! 有人说:"那至少存钱安全,不会亏啊。"错!最大的风险,就是你觉得没风险。你看似保住了本金,其实丢掉了未来。过去十年,股市指数上涨几十个点, 基金定投轻松翻倍,比特币更是从几百美元涨到几万美元。而那些只会存钱的人,钱存在银行十年,实际价值反而缩水了一半。不投资,你才是真正的韭 菜! 再看看工资。有人觉得:"我不投资 ...
X @Yuyue
Yuyue· 2025-09-24 07:45
RT SweetY🍐 (@shirleyusy)投资之--借假修真这个词是和 @yuyue_chris 讨论 $pump 时,她提出的,最近看了一些项目,感觉有共同之处。比如 $aster ,许多人开始讨论说没有人会玩它的,刷交易赛的数据是虚假的,他不可能超过hype。这个逻辑陷入了我之前讨论 $pump 的问题,pump的数据确实是假的,但是在上涨的过程中假数据也可以当真的来讨论,等产品做出开完善后,假的会被真的所取代。 $pump 没有做好修真这一步,所以币价在热度褪去后无法维持。$aster 的好处在于他有cex作托举,可以有一系列运营活动去修真。不过当真替假时币价还会持续吗?这个也很难说,比如cake早期也涨的很猛,但当它开始把产品逐步完善后币价反而也无法持续了,所以在假的时候进入,去畅想如何变真,可能是主旋律。 ...
1972年,宋美龄投资五百万开发美国天然气,成菲利普斯石油合伙人
Sou Hu Cai Jing· 2025-09-23 00:21
菲利普斯石油公司是美国一家大型化工企业,早在1924年,该公司就已经成为了美国最大的天然气生产者。 历经数次经济危机都未能将其摧毁,足见其经济实力之强盛。 到了上世纪七十年代,西方化学工业历经几十年的光辉后,一度变得极其不景气,不少化工巨头面临着巨大的危机,美国菲利普斯石油公司也不例外。 为了应对这新一轮的危机,菲利普斯石油公司前往北海勘探,结果连打了11口干井。 耗费资金无数,而未能发现新的油井,这让菲利普斯陷入到了更深的危机之中,为了走出困境,菲利普斯石油公司开始在全球募集资金寻找合伙人。 当然,想要成为菲利普斯的合伙人,必须得能拿出打动他们的筹码。 1972年,菲利普斯石油公司计划开采新墨西哥州的天然气,宋美龄看准时机,投资五百万美元,成了菲利普斯石油公司的合伙人。 那么宋美龄的钱究竟是从哪里来的,为何能轻轻松松拿出五百万美元去投资? 在民国的政坛上,宋氏家族的能量非常大,而这一切都是宋美龄的父亲宋嘉树所为他们所打下的基础。 宋嘉树是一个非常有民族责任感的富商,当他遇到孙中山之后,便从他身上看到了民族的希望。 在孙中山东奔西走之时,宋嘉树一直在为他提供资金支持,只是命运总是不可捉摸,谁也想不到宋嘉树后来 ...
Markets: Bullish Vs. Bearish Case
Seeking Alpha· 2025-09-22 12:20
Core Viewpoint - The article discusses the extensive experience of a partner at RIA Advisors, highlighting a contrarian approach to investment analysis and commentary on market and economic trends [1] Group 1: Company Overview - RIA Advisors is based in Houston, Texas, and focuses on investment analysis, research, and commentary [1] - The company offers a weekly subscriber-based newsletter, RIA Pro, which covers economic, political, and market topics relevant to investors [1] Group 2: Industry Insights - The partner emphasizes a common-sense approach to investing, drawing from over 25 years of experience across various sectors including private banking, investment management, and venture capital [1] - The commentary provided by the company aims to address investor psychology and macroeconomic views, often taking a contrarian stance [1]
X @𝘁𝗮𝗿𝗲𝘀𝗸𝘆
𝘁𝗮𝗿𝗲𝘀𝗸𝘆· 2025-09-19 14:43
#投资就像网络小说写手,永远维持者自己水平在草根用户喜欢阅读的水平。网络投资红人,也永远保持自己(输出的)投资水平,处于适合韭菜的阶段。 ...
扎心!这波行情,你赚了么?🤔
第一财经· 2025-09-16 04:09
有人 "小赚一把却有限"......有人 "仍在套牢里打转"......还有人 "迟迟不敢进场"...... 智享会员不是 "复杂工具",是帮你 "省事儿" 的帮手 —— 替你筛信息、抓机会、预警风险,把投资 变简单~ 再遇行情,别留遗憾!现在开通智享会员,跟着走准没错~ ✨ "专属财经小助手",把绕弯子的信息变成直给的机会点,新手也能快速上手~ 文字看不明白?看视频!手把手教操作 别让 "不会用" 拖了行情的后腿! ❗ 说到底就俩症结:没及时踩中热点,或踩对热点却选错了标的。 以前研究市场,得翻遍一堆研报、刷遍各种新闻⏳,现在有了智享会员,这些全不用愁! ...
国泰海通宏观:总量需加力,结构有亮点
Ge Long Hui· 2025-09-15 13:23
Economic Overview - The domestic economy continued to slow down in August, with a mix of resilience in production and pressure on demand, leading to increased internal differentiation [2][3] - Industrial value-added growth year-on-year was 5.2% in August, down from 5.7% in July, indicating a slight decline but still at a relatively high level [4][6] - The overall economic trend is expected to maintain a slow and stable trajectory with structural optimization, but demand recovery will take time [2][3] Production Sector - The production growth rate showed a slight decline, primarily due to external demand pressures and some upstream industries experiencing production cuts [4][6] - The production-sales rate decreased from 97.1% to 96.6%, indicating a marginal improvement in domestic consumption capacity [4] - Policy-related industries, such as transportation equipment and non-ferrous metals, showed resilience, while export and consumer-related sectors faced significant pressure [6][7] Service Sector - The service sector's production index grew by 5.6% year-on-year in August, down 0.2 percentage points from July, reflecting a slowdown [7] - High-value-added industries like information technology and finance showed growth, while leasing and business services faced challenges due to weak corporate expansion intentions [7] Employment - The urban survey unemployment rate rose slightly to 5.3% in August, primarily due to seasonal pressures from the influx of recent graduates into the labor market [9] Consumption Sector - Retail sales growth year-on-year was 3.4% in August, down 0.3 percentage points from July, indicating a need for stronger consumption recovery [12][15] - Dining consumption showed signs of recovery, while retail sales growth for goods slowed down, reflecting a mixed performance across different categories [14][15] - Essential consumption categories faced declines, while some upgraded consumption categories showed resilience, supported by seasonal demand and policy measures [15] Investment Sector - Fixed asset investment growth was 0.5% year-on-year for January to August, with August showing a significant decline of 7.1% compared to July [16][19] - Investment in manufacturing, infrastructure, and real estate all experienced negative growth, necessitating policy support to break the downward cycle [16][20] - The real estate sector continued to face fundamental pressures, with sales area and sales value both declining significantly year-on-year [20]
快乐加贝 | 好朋友书架再上新
中泰证券资管· 2025-09-12 07:03
今年以来,市场波动加大,复杂性较以往也似乎更甚。面对纷繁的信息流和情绪波动,最稳定的力量往往 来自于深度思考,而深度思考的源泉之一,便是经得起时间检验的好书。 上个月,我们首先收集了来自同事和持有人朋友们推荐的6本各具特色的好书。之后通过邀约好朋友投 票,选出了票数较高的两本书上架「快乐加贝」,它们分别是《现代中国的形成》和《一如既往》,后续 有兴趣的好朋友们可以通过「贝壳」兑换实体书。 《现代中国的形成》 这是一部视野宏大、新见迭出的中国近现代史著作。今天的中国究竟从何而来?本书聚焦地缘政治、财政 构造和政治认同三个关键因素,全面论述十七至二十世纪现代中国的形成过程。作者以宏观视野和微观分 析相结合的方式,深入探讨了中国现代化进程中的关键节点和内在逻辑。 推荐理由: 从古老帝国向现代国家转型的过程中,中国为何没有分崩离析,这本书给了很好的解答。 《一如既往》 本书是投资大师摩根·豪泽尔继《金钱心理学》后的又一力作。他用独特的视角审视历史与人性,带领我 们反思人类行为逻辑中的恒定模式。在变幻莫测的市场中,如何保持内心的平静与理性?答案就在这本书 里。 推荐人:持有人 志存高远 推荐理由: 看过《一如既往》后, ...
投资访谈录 | 投资,让我有了给人生兜底的勇气!
Ge Long Hui· 2025-09-12 02:32
Core Viewpoint - The article emphasizes the transformative power of investment in providing individuals with the confidence to secure their future and navigate life's uncertainties [1]. Group 1 - Investment is portrayed as a means to gain courage and assurance in life decisions [1]. - The discussion highlights the psychological benefits of investing, suggesting it empowers individuals to take calculated risks [1]. - The narrative suggests that through investment, individuals can create a safety net for themselves, enhancing their overall quality of life [1].
俞敏洪:做生意首先要解决痛点
创业家· 2025-09-11 10:18
Core Viewpoint - The article emphasizes the importance of addressing customer pain points in business, suggesting that entrepreneurs should base their business models on genuine customer needs and ensure that solutions do not create new pain points while targeting sufficiently large markets [1]. Group 1: Event Overview - The article promotes an upcoming offline learning event led by Wu Shichun, aimed at exploring innovation in lower-tier markets and seeking new growth engines [2][5]. - The event is scheduled for September 21-23, 2025, in Luzhou, Sichuan, and will involve 100 entrepreneurs [2][8]. Group 2: Learning Outcomes - Participants will engage in a deep-linking journey with industry leaders and investors, enhancing their understanding of the industry ecosystem [11]. - The event will provide immersive learning experiences, covering topics from technological innovation to commercialization strategies [11]. - Attendees will gain insights into capital trends and strategies for occupying high points in the industry [11]. Group 3: Target Audience - The event targets various sectors, including robotics, smart manufacturing, low-altitude economy, satellite communication, and technology-driven consumer goods [24][25][26][27]. Group 4: Notable Mentors - Wu Shichun, a well-known angel investor and founder of Meihua Venture Capital, will lead the event, having managed over 10 billion in funds and invested in over 600 companies [13]. - The event will also feature other industry experts, including founders of successful startups in the satellite communication sector [17]. Group 5: Event Schedule Highlights - The schedule includes networking sessions, cultural exploration, and discussions on entrepreneurship and innovation [19][20][21][23][28]. - Specific activities include a welcome dinner, group tasks, and a peak dialogue with Wu Shichun [22][28].