那非交易所渠道呢？比如您去金店、银行柜台买金条、金首饰，或者通过其他非正规平台交 易，卖方原来就要交13%的增值税。那么，为啥要这么调整？这实际上是为了更清晰地区分黄 金的"商品属性"和"金融属性"。 买金条囤着等涨价，这算金融投资；买金首饰戴或者送人， 这算商品消费 。这次黄金税收的政策目的，就是要让投资的归投资，消费的归消费，同时鼓 励大家通过更规范的交易所渠道交易。 黄金交易税收新规来了！对咱买金、藏金的方式有啥影响？就在11月1号，财政部和国家税务 总局发布了一则公告，专门调整了黄金交易的税收政策。这事儿看起来挺专业，但其实和咱老 百姓买金饰、投资黄金都息息相关。那么，这政策到底改了啥？对咱钱包有啥影响？ 先说说政策核心——实际上就是重点给"交易所买黄金"减了税，非交易所渠道的税收规则没 变。具体咋回事呢？ 接下来呀，有几个大家都非常关心的问题要解答一下。首先，可能有朋友要问了：我自己手里 的金项链、旧金镯子想卖掉，要不要交税？ 放心！ 政策明确说了，个人销售自己用过的黄金 首饰是免征增值税的 。就像您戴了好几年的金戒指，不想戴了想转手，不用交增值税。 再说说大家关心的黄金首饰零售价会不会涨。新政对咱 ...

Core Points - The article illustrates a complex family dynamic, highlighting favoritism and emotional struggles within a mother-daughter relationship [1][2][3] - The protagonist's efforts to achieve independence and financial stability are contrasted with the mother's expectations and demands [5][6][7] - The narrative culminates in a decision to sever ties with the mother's influence, emphasizing the need for self-reliance and personal happiness [21][22][23] Summary by Sections Family Dynamics - The mother exhibits favoritism towards the son, leading to feelings of resentment and neglect in the daughter [5][10] - The daughter recalls her upbringing, where her achievements were overshadowed by her brother's needs and the mother's bias [6][7][10] Financial Independence - The daughter works hard to support herself and eventually buys a house, which becomes a point of contention with her mother [8][19] - The mother's reaction to the daughter's financial success reveals deep-seated issues regarding gender roles and expectations within the family [22][23] Conflict and Resolution - The mother's attempts to take control of the daughter's property lead to a breaking point in their relationship [21][22] - The daughter resolves to prioritize her own well-being and plans to live independently, indicating a shift towards self-empowerment [23]

Core Insights - Gold prices have entered a "surge mode," with international gold prices nearing $4,500 per ounce, and domestic jewelry gold prices increasing daily by 30 to 50 yuan per gram, leading to predictions from U.S. investment leaders that prices could reach $5,000 to $10,000 per ounce in the next two to three years [1] Group 1 - Gold should be part of asset allocation but should not constitute the entirety of one's investments; it is recommended to limit gold investments to 5% to 10% of total assets and to focus on physical gold while avoiding speculation and leveraged trading [3][7] - The current high gold prices suggest that entering the market with a speculative mindset could lead to significant losses due to market volatility; gold's primary value lies in its role as a hedge and a store of value rather than a short-term profit vehicle [3][7] Group 2 - The choice between gold jewelry and gold bars depends on individual needs; gold jewelry is suitable for those who appreciate its decorative value and are willing to incur additional costs for craftsmanship, while gold bars are better for pure investment purposes due to lower costs and ease of resale [5] - For investment purposes, purchasing gold bars from reputable banks is advisable to minimize transaction risks, and it is crucial to avoid exceeding a 10% allocation of total assets to gold to mitigate exposure to market fluctuations [7]

Core Viewpoint - The article discusses the distinction between gold bars as a standardized safe-haven asset and gold jewelry or artifacts as consumer goods, emphasizing that their intrinsic values and market behaviors are fundamentally different [1][5][32]. Group 1: Characteristics of Safe-Haven Assets - The primary requirement for a safe-haven asset is its ability to facilitate quick, transparent, and fair value exchange, rather than its aesthetic appeal [3]. - Gold bars are considered standardized assets, while gold jewelry is classified as consumer goods, leading to different attributes from the outset [5]. Group 2: Market Liquidity Differences - Purchasing gold jewelry is easy, but selling it back can be challenging, often resulting in significant losses [7]. - Gold bars can be quickly converted to cash due to their standardized specifications and global recognition, unlike jewelry which incurs additional costs such as craftsmanship and brand premiums [8][12]. Group 3: Psychological Misconceptions - Many consumers mistakenly believe that buying gold jewelry is a form of investment, which is a significant misconception [11]. - The core value of jewelry lies in its decorative purpose, while that of artifacts is in their artistic value, not in investment potential [13][15]. Group 4: Gold Bars as a Safe-Haven - Gold bars are recognized globally as a substitute for currency, historically serving as the basis for monetary systems [18]. - During economic turmoil, such as the 2008 financial crisis, demand for gold bars surged, highlighting their role as a safe-haven asset [22][24]. Group 5: Recommendations for Ordinary Consumers - For investment and risk aversion, consumers should purchase gold bars, preferably those issued by banks, ensuring liquidity and maintaining their original packaging [28]. - For decorative purposes, gold jewelry can be purchased, but consumers should be prepared for potential depreciation in value [30]. Conclusion - Different forms of gold possess distinct attributes; gold bars serve as a recognized safe-haven asset, while gold jewelry and artifacts are primarily for consumption and aesthetic enjoyment [32][34].

Core Insights - Recent surge in gold prices has led to increased activity in the gold recovery market, with prices reaching historical highs [2][4] - The price of gold in Shenzhen's market has seen significant fluctuations, with selling prices hitting 846 RMB per gram and recovery prices at 830 RMB per gram [2] - The demand for gold recovery has surged, with some merchants reporting recovery volumes five times higher than usual [2] Gold Pricing and Market Dynamics - As of September 16, gold selling prices in Shenzhen reached 844 RMB per gram in the morning and increased to 846 RMB per gram by afternoon [2] - On September 18, a brand gold store reported that the price for pure gold jewelry was 1078 RMB per gram, while investment gold bars were priced at 953 RMB per gram [2] - Banks in Shenzhen primarily offer gold bars and do not typically recover gold jewelry due to lack of testing facilities [3] Investment Trends - The London spot gold price has increased by nearly 40% this year, with a cumulative increase of approximately 130% since 2019 [4] - Factors contributing to the rise in gold prices include Federal Reserve interest rate cuts, geopolitical risks, and central banks' ongoing accumulation of gold [4] - Investors have noted significant volatility in gold prices this year, contrary to previous perceptions of gold as a stable investment [4]