以下文章来源于陈果George ，作者GEORGE陈果 陈果George . 企业知识开源计划首席布道师。二十六年顶级管理咨询公司经验，前波士顿咨询、IBM咨询、怡安翰威 特等咨询大厂董事总经理/全球合伙人；创业过内资咨询公司、在国企工作过八年、担任过主板上市公 司总裁。评论区全开放自由评论，注意评论礼貌，受斥不雅。 本文来自微信公众号： 陈果George ，作者：GEORGE陈果，题图来自：视觉中国 理想汽车作为中国新兴企业的代表，其企业管理思想发展动向受到社会的关注。最近媒体披露了创始 人李想近期一段时间就其管理思路变化的评论： 李想提到的"创始公司管理方式"正是保罗・格雷厄姆所定义的"创始人模式"，二者的核心逻辑高度契 合。 保罗·格雷厄姆 （Paul Graham，Y Combinator 创始人，常被称为"硅谷教父"） 于2024 年9 月在他 90年代网页风格的个人网站上，发表了一篇名为《创始人模式 》（Founder Mode） 的博客文章 （https://paulgraham.com/foundermode.html） ，这在科技界和管理界引起了巨大的反响。 保罗・格雷厄姆提出的"创始人模式 ...

Core Points - The article highlights the increasing prevalence of scams targeting elderly individuals, particularly through fake investment apps that promise high returns but ultimately lead to financial loss [2][3][4][6][8]. Group 1: Scams and Their Mechanisms - Scammers are using sophisticated tactics to exploit the vulnerabilities of elderly individuals, often employing psychological manipulation techniques to break down their defenses [16][20]. - Many elderly victims download fraudulent apps that appear legitimate, leading them to invest significant amounts of money under false pretenses [6][18][20]. - The cost of producing these fraudulent apps is low, allowing scammers to create and distribute them in bulk, making it difficult for victims to identify them as scams [6][21]. Group 2: Victim Experiences - Victims often share similar backgrounds, including retired professionals who may have been financially savvy in their careers but fall prey to scams due to a lack of familiarity with digital platforms [10][17]. - The emotional toll on victims is significant, with many experiencing anxiety, depression, and strained family relationships as a result of their financial losses [10][19][24]. - Some victims, despite being aware of the scams, continue to invest in hopes of recovering their losses, demonstrating a cycle of denial and desperation [19][24]. Group 3: Prevention and Response - Law enforcement agencies are increasingly focusing on preventive measures to protect the elderly from falling victim to these scams, emphasizing the importance of awareness and education [3][21]. - Families are encouraged to monitor their elderly relatives' online activities and provide support to help them navigate the digital landscape safely [22][23]. - Legal professionals are also involved in providing assistance to victims, although the complexity of online scams makes recovery challenging [13][21].

Core Viewpoint - The upcoming appointment of a new Federal Reserve Chair by Trump is likely to lead to a shift in monetary policy, with expectations of lower interest rates despite current economic indicators suggesting otherwise [1][2]. Group 1: Federal Reserve and Monetary Policy - The current Federal Reserve Chair Jerome Powell and the FOMC have resisted calls for interest rate cuts, maintaining rates until inflation is under control and economic slowdown is confirmed [1]. - Trump's criticism of Powell includes accusations of incompetence and calls for interest rates to be lowered to 1% or lower, reflecting a significant divergence in economic outlook [1][2]. - The bond market does not support Trump's views, as long-term Treasury yields remain stable, indicating investor confidence in current rates and inflation expectations [2]. Group 2: Economic Indicators and Debt - Current U.S. inflation stands at 2.4%, above the Fed's target of 2%, with significant volatility, while the economy maintains a state of full employment [1]. - The Congressional Budget Office (CBO) projects that Trump's proposed "Big and Beautiful" bill could increase U.S. debt to 130% of GDP by 2034, a historic high [3]. - Rising interest burdens on debt are expected to consume nearly 25% of tax revenues by 2035, surpassing expenditures on healthcare or defense [3]. Group 3: Potential Policy Responses - Various options to address the debt crisis include promoting economic growth, which the CBO estimates will yield minimal GDP growth from the proposed legislation [3][4]. - Direct default on debt is a potential risk, which could destabilize the global economic system, while tax increases are politically unlikely [3][4]. - Proposed "MAGA monetary policy" could involve lowering short-term interest rates below 1% and initiating quantitative easing to manage debt interest payments [4]. Group 4: Investment Implications - The anticipated "MAGA version" of the Federal Reserve may lead to a scenario of high inflation combined with artificially low interest rates, posing risks for traditional bond investors [5]. - Investors are advised to consider Treasury Inflation-Protected Securities (TIPS) as a hedge against potential inflation and low returns on standard bonds [5].