（来源：经济日报） 转自：经济日报 "满20元减8元""直降5元"，又到一年"双11"，在各类促销活动中，打折与满减是最常见的手段。 打个比方，一杯奶茶8元，满16元减5元，会有人选择购买2杯；点外卖结账时，系统提示凑单优惠"再买 3元可减2元"，也会有不少人开始寻找凑单的小单品。 不管是奶茶还是外卖，都具有"边际成本递减"的特征。商家多制作一份炒饭或一杯奶茶，并不会增加房 租、工资等固定成本，额外成本仅限于食材增量，就连配送费也会因为订单密度提高而摊薄。对商家而 言，满减有助于优化其边际成本和收益结构，满减刺激订单量增加，固定成本被一再摊薄。 对外卖平台来说，满减从来不是单一的促销手段，而是低成本获客的关键抓手。通过满减活动设计，平 台可以实现新用户拉新、老用户激活，即便需要短期"烧钱"，长期看能增加用户量、提高交叉消费频 率。某购物平台借助满减活动，将部分电商用户转化为外卖用户便是典型。 那么，回到最初的问题：满减能不能让消费者少花钱？这得看"你是否真需要那些东西"。比如，你想吃 的那家外卖推出了满20元减5元的活动，你点的菜品刚好价值20多元满足活动标准，还是为了凑到20元 额外花钱买了一份价值5元的小 ...

Group 1 - The core point of the article is the unexpected lower-than-expected CPI data for May in the U.S., which has led to significant market reactions and speculation about potential interest rate cuts by the Federal Reserve [1][2][4] - The U.S. CPI year-on-year rate for May is reported at 2.4%, below the expected 2.5%, while the month-on-month CPI is at 0.1%, also lower than the anticipated 0.2% [2] - The core CPI, excluding food and energy, shows a year-on-year increase of 2.8%, which is less than the expected 2.9%, and the month-on-month core CPI is at 0.1%, significantly below the forecast of 0.3% [2] Group 2 - Following the CPI announcement, market speculation surged, with a notable increase in bets on a potential interest rate cut in September, with probabilities nearing 70% for two cuts this year [4] - However, the probability for a rate cut in June remains very low at 2.4%, with a 97.6% chance of maintaining the current rate [5] Group 3 - The anticipation of interest rate cuts is expected to influence global financial markets, including the A-share market, as capital may flow into A-shares seeking opportunities [6] - The article highlights the volatility in the market, suggesting that retail investors may be misled by market fluctuations, akin to a magic show where the real mechanisms are hidden [6][8] Group 4 - The article discusses the behavioral finance concept of herd behavior, where retail investors tend to follow the crowd, leading to poor investment decisions [9] - It emphasizes the importance of understanding institutional movements and data analysis to navigate market volatility effectively [10][17]

Group 1 - The core idea emphasizes the importance of exchanging low-value time for high-value time, suggesting that individuals should leverage their time to gain insights and opportunities from more experienced individuals [3][4][7] - High-value individuals are often willing to pay for assistance with low-value tasks to avoid wasting their time, which can lead to mutually beneficial outcomes [6][7] - Understanding the loss aversion psychology of high-value individuals can create opportunities for value exchange, allowing one to provide solutions that alleviate their perceived losses [7][8] Group 2 - The article critiques the "10,000-hour rule," arguing that simply putting in hours without understanding the purpose can lead to wasted effort, especially in the face of technological advancements [10][11][12] - It highlights the importance of strategic thinking over mere hard work, advocating for a focus on optimizing processes and avoiding unnecessary labor [14][15] - The narrative illustrates how individuals can enhance their value by using their time for deep thinking rather than just increasing their workload [13][15] Group 3 - The concept of "extension potential" is introduced, suggesting that seemingly small tasks can lead to significant insights and opportunities if approached thoughtfully [16][17] - The experience of a successful entrepreneur illustrates how customer service roles can provide valuable insights into user needs, which can be leveraged for product development [19][20] - The article encourages individuals to revisit past experiences and tasks to extract new learnings and insights, rather than constantly seeking new challenges [23][24]

Core Insights - The resurgence of "tear-off film" has captured public attention, driven by celebrity endorsements and social media trends, leading to a significant increase in its popularity and sales [2][4][5] Group 1: Market Dynamics - The price of tear-off film has skyrocketed from 7 yuan to 300 yuan per sheet, representing a more than 40-fold increase, indicating a strong demand despite the high cost [9][10] - The product, originally invented in 1948, has been out of production for ten years, creating a sense of scarcity that has fueled its market value [5][10] - Social media platforms like Douyin and Xiaohongshu have played a crucial role in promoting tear-off film, with Douyin's "tear-off film" content receiving over 1.4 billion views and Xiaohongshu reaching 740 million views [2][4] Group 2: Consumer Behavior - The appeal of tear-off film lies in its emotional value, with consumers willing to pay a premium for a product that offers a unique and tangible experience [10][18] - The concept of "loss aversion" drives consumer behavior, as the fear of missing out on a limited resource encourages purchases even at inflated prices [10][18] - The "blind box effect" adds an element of excitement to the experience, as users face uncertainty in the quality of the photos produced, similar to popular blind box products [17][18] Group 3: Marketing Strategies - The marketing strategies employed by businesses include "拆盒零售" (拆分销售) to create urgency and scarcity, effectively turning the product into a social currency [10][18] - Celebrity influence has been pivotal, with stars like Ju Jingyi and Zhang Linghe generating massive online engagement and driving consumer interest [5][7] - Businesses have also adapted to digital trends by offering "tear-off film filters" for those unwilling to pay high prices, thus broadening their market reach [18][20]