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published in(发表于) 2016/6/10 9:02:05
Money, is this era’s largest chicken soup

English

中文

Financial management, is the largest gym-time banking-IT information

This article comes from the app to the public, "micro-essay"

Many finance articles speaking, turn, swears to tell you:

If your monthly income is only 6000, if every month deposit 3000, one year is 36000, three years is 108000. Also, if your partner does, you two three years, 216000. 30 years? You'll be able to save for more than 2.1 million! This is not a case of compound interest. If compound interest, this figure would be more scary!

And then what?

30 years save up 2 million, then you are more than 50 years old, holds 2 million do, Akers?

A chicken soup for the era's biggest, to exaggerate the role of finance is one-sided.

Money or not? Of course. However, the money merely play a way to maximize the benefits of your assets. Lift it too high, or even that money can bring wealth and achieve financial freedom, it is totally unrealistic.

The consequence of this is what? Are you spend a lot of time and effort on it, even sacrificed a lot to help to finance consumption, found that income and pay a disproportionate share.

I have seen many finance articles, impresses, that is, to make you interested in financing, they will usually use some sensational figures for you come to naught: you see, if you had 1 million dollars, annualized earnings of 10%, down 100,000 dollars a year, on average each month is more than 9,000, has enough life in the big city. From now on you will achieve financial freedom, work can also have a good Oh.

--This is nonsense? 1 million, also need to look at this article? You tell me how to make 1 million.

This time out, they will explain you now though income is not high, and no savings, but that's OK, as long as your clothes thrifty food each month save for a sum of money, and then pick and choose according to a complex set of systems to identify financial products, buy bonds, mutual funds, insurance ... ... A long stick, you can let your wealth to achieve 5 times, 10 times growth, earned 1 million, into the ranks of successful people.

Do you really believe that?

Even if the annual income 10% well (actually 10% it is hardly possible to achieve long-term stability of zero risk), assuming you put 3000 per month, one year to save 36000, 40000, then even if all these 40000 invested interest, then, a year later, 4000 more you will gain. No matter how you toss, which is the upper limit. For the 4000 block, you have to pay for it? 50% money you need to save each month, not socializing, not consumption, do not travel, do not buy digital products, to take the trouble of research on various combinations of different financial ... ...

Do you feel this account worth?

One might argue, I can put a higher rate of return. But don't forget, always with high risk high returns or higher cost. If you leave the 40000-block into the stock market, short-term operation, does have the potential to get well above the 10% return, but what is the cost that goes along with it? You need to always focus on change, whether you're at work, eating, or in the subway and on a bus, and analytical articles, data and charts ... ... Let alone the occasional impact of the fluctuation of the heart. Believe me, a lot of people cannot afford.

In fact, investments (note that this is not the money) is an extremely esoteric knowledge, complex with the increase of income and soaring. Monetary Fund scheduled to vote without a brain, to combined funds will take some consideration, to the futures, stocks, it was professional wrestling, its deception by a majority of non-ordinary people can imagine. Do not possess the necessary financial knowledge and industry understanding, rushed into even a body couldn't stay.

In fact, money is made out of, rather than save.

When your monthly income is only when thousands of, and ways to save money from the teeth just to down poor thousands of dollars a year income, might as well eat dinner, read more books, to take part in some activities, some courses to improve their gold content and the ability to make money.

I know, whenever there is a successful people, all are into the space of daily life and work, and strive to expand their career and networking, trial and error and trying new things, as two days one day, living out of a crowd. They never failed to spend money, but will try to spend every penny to implement, invest in yourself, increasing efficiency and leveraging resources.

By contrast, trying to save 1 million financing, it is an overly negative process. Its biggest drawback is what? Is that when you focus on "money", when you will have worry about the State of mind, all need to be input selection with skepticism and retreated, lose a lot of opportunities.

This is these financial author's biggest problem: they are great accountants, but they are not economists.

In economics, there are two basic concepts. One is money only has value in circulation, stood motionless money is of no value.

In other words, your hard earned money, if 50% was deposited in financial products, for you, they are equivalent to the waste paper-the equivalent of your disposable income is directly reduced by half, but will in due course and also give you some income.

An efficient enterprise, the best State never "savings", but "zero deposit, and allow a certain degree of deficit". That is, within its capabilities, to maximize the use of their own resources, will be able to raise all of the funds invested in productive projects, don't make any money unused, this is the most efficient use of the State.

2nd closely related: actual cost accounting concern, while economists focus on opportunity costs.

What is the opportunity cost? In simple terms, part of your income into financial products, expired it will generate revenue, at first glance, this is something lucrative, in fact, economists will consider: if I use this money invested in other projects, it will have little benefit? This benefit compared with the financial benefits to be gained, which is better or worse?

Many will use their experience to tell you: I have been banking, after how many years, now finally achieve financial freedom. But they will not be taken into account, if the use of these funds, put on top of other items, what would be the benefits? Will faster reach the status quo? They are concerned: I spent a number of years, and finally saved enough money and does not concern: if I use, you can do a number of things.

In many cases, effectiveness is not just measured in terms of money: for a faster phone, you can make every day a more efficient; buy a Tablet, you can more easily handle daily affairs; to a party, you can recognize a large group of good friends; some household items, you can greatly enhance the quality of life. This is a benefit.

Not to mention the emotional and mental benefits--for the other half to buy a gift, send parents a heart, traveling to a game of hearts, in implementing a project on your own wish list ... ... 25 years old and 35 years old, the feeling is completely different in the Louvre in Paris, walking through the alleys of Kyoto in the mood is completely different. A lot of things, missed is missed forever. Suffered a devastating fire in La, such as over-exploitation of South town, such as aggressive when he was young and free. No more.

With all that said, what our attitude toward money?

Many articles will tell you its hardiness--it is said to the thirty or forty people listen. If you're young, nothing, why is restraint? Desire desire is definitely not a bad thing--as will have the power. Improve their living and working conditions, and enhance their ability to survive and make money, best thing to consider is the age.

Specifically:

The proper use of credit card

Many finance articles will tell you, hands the credit card never overdraft, for as long as you have paid in the month the money will generate interest. However, if you always wanted on the phone for half a year in advance, at the cost of only at the end of the need many hundreds of pieces of interest, what does it matter? No need for restraint "enhancing quality of life," pursuit, "appropriateness". To what extent is "appropriate"? Is generally maintained at levels up to 2 months in arrears. For example, you earn stable 10,000, then 20,000 credit card arrears, was acceptable, so as not to have too much pressure on the life. Of course, according to.

More communication with my friends feeling

Don't be reluctant to treat. For utility, such a thing as human, cannot be measured by money.

Join open courses/seminars/meetings/offline activities

The basic way to make money is not the throttle, but open source. How to open source? Keep persistent studying is the most important. So, to take part in some valuable exchanges and courses. Can improve themselves, on the other hand, you can also expand their circle, reach more people. These people can give you the help and improve, will be far more than what you pay for money.

Buy the book/Kindle

As above, keep reading a lot, don't want to buy the book. If you like I used to print version PDF, buy flat.

Choose the most efficient office equipment

Good office equipment efficiency can be a qualitative leap. In the affordable range, buy the best productivity tools. This can save you a lot of time. Compared to the money, much time is far more important.

Apply for a health card

How important a good body believe that goes without saying. Conditions combined with the gym under the guidance of coaches than at home tossing, the efficiency is much higher.

Buy high quality home furnishings

A good home environment, towards the people of the entire State will be dramatically improved. Especially in bedding, hygiene products, daily necessities, in the affordable range, buy the best. Of course, also like to clean.

Opportunity to try different

Too much emphasis on Finance's biggest drawback, because the trap mentality, is likely to miss a lot of opportunities. In fact, at least when young is bound, when most can afford to lose, should try more opportunities, over and over again to go to trial and error. Because no matter how many detours you go, have a chance to start all over again. Grow and mature, fewer and fewer such opportunities.

Dreams

List the things they want to do, trying to put them one by one achieved. If this the stupidest thing in the world, that desire to stay young to finish it when the are no longer young.

This article is not to tell you not to finance, on the contrary, money is very necessary. However, you should not have high expectations of the financial: it is a means of insurance and steady, and only this. Make use of time, energy and money in other areas, whether it is to improve the quality of life, or improve your own benefit will be much higher.

How does the appropriate financing?

There are two ways, I think it is valuable.

1. contingency fund

Save the emergency fund equivalent to at least 3 months, stored at the lowest risk of financial products, and make sure not to use, it is very necessary. It can not only make you face accident more than a guarantee, but more importantly, is to make you whatever choice you make (such as business or change jobs), can have a confident: even if you fail, there are at least 3 months of time to bounce back. You will have no worries.

2. large consumption

Buy productivity tools, or to travel, takes a few months to save money, it is also no problem.

Want to share with you.


理财,是这个时代最大的鸡汤 - 理财 - IT资讯

本文出自微信公众号【微美文】

很多讲理财的文章,会这样言之凿凿地告诉你:

就算你月薪只有6000,如果每月坚持存3000,一年就是36000,三年就是108000。同时,如果你的另一半也这样做,你们两个人三年就是216000。三十年呢?你们就能存下210多万!这还是在不算复利的情况下。如果加上复利,这个数字会更可怕!

然后呢?

三十年存够200万,那时你也五十多岁了,拿着200万干嘛,颐养天年么?

这个时代最大的一种鸡汤,可能就是片面地夸大了理财的作用。

理财有没有用?当然有。但是,理财充其量只是让你的资产发挥最大化效益的一种方式。把它捧得太高,甚至认为理财可以带来财富增长,乃至于实现财务自由,那就是完全不切实际了。

这样做的后果是什么呢?就是造成你花了大量的时间精力在这上面,甚至为了理财牺牲了许多有益的消费,到头来发现,收益根本与付出不成比例。

我看过很多理财文章,印象最深的一点,就是,为了让你对理财产生兴趣,它们通常会用一些耸人听闻的数字来给你画饼:你看,假如你有100万,年化收益为10%,一年下来就是10万块,平均到每个月就是9000多,足够你在大城市生活了。从此你就实现了财务自由,不用上班也可以过得很滋润哦。

——这不是废话吗?有了100万,还需要看这种文章吗?你倒是告诉我怎么挣到100万啊。

这个时候它们又会出来解释:你现在虽然收入不高,没有存款,但是没关系,只要你节衣俭食,每个月固定存下一笔钱,然后精挑细选,根据一套复杂的系统去挑选理财产品,购买债券、基金、保险……长期坚持下去,你就可以让你的财富实现5倍、10倍的增长,挣到100万,迈入成功人士行列啦。

你真的相信吗?

就算按年化收益10%好了(实际上要达到长期稳定零风险的10%也是几乎不可能的),假设你每个月存3000,一年存下36000,就算40000吧,然后就算这40000块全部投进去产生利息,那么,一年之后,你将多出4000块的收益。无论你怎么折腾,这基本就是上限了。而为了这4000块,你要付出什么呢?你要每个月省下50%的钱,不应酬,不消费,不旅行,不购买数码产品,要费心研究各种不同的理财组合……

你觉得这笔账划算吗?

有人可能会反驳说,我可以投入回报率更高的产品啊。但是不要忘了,高回报永远伴随着高风险,或者说更高的成本。如果你把这40000块投入股市,短线操作,确实有可能获得远高于10%的收益,但是伴随而来的成本是什么呢?你需要时时刻刻关注涨跌,无论你是在上班、吃饭,还是在地铁和公车上,以及看各种分析文章,研究数据和图表……更别说偶尔的波动对心脏带来的冲击。相信我,很多人都承受不了的。

事实上,投资(注意,这里已经不是理财了)是一门极其深奥的学问,复杂程度随着收益的提高而飞速上升。货币基金定投基本不用动脑,到了组合型基金就要花一番考虑了,到了期货、股票这种层面,就完全是专业人士的角力,其云诡波谲非普通人所能想象。不具备一定的金融知识和行业了解,贸然进入连个全尸都留不下。

实际上,钱是挣出来的,而不是省出来的。

当你月收入只有几千的时候,与其想方设法,从牙齿缝里省下钱,只为了一年下来那可怜的几千块收益,不如多吃点饭,多看点书,多参加些活动,上些课程,努力提高自己的含金量和挣钱的能力。

我所知道的,但凡有一点成就的人,无不都是在日常生活和工作的间隙里,努力拓展自己的事业和人际网络,反复试错和尝试新事物,把一天当成两天用,活生生杀出一条血路来。他们从来不会吝于花钱,而是会想办法把每一分钱都花到实处,投资自己,提高效率,撬动资源。

相比之下,试图靠理财省出一百万,实在是一个过分消极的过程。它最大的弊端是什么呢?在于,当你聚焦于「省钱」的时候,你就会有患得患失的心态,从而会对一切需要投入的选择抱以怀疑和退守的态度,白白错失许多机会。

这也就是这些理财作者最大的问题:他们都是出色的会计师,但他们不是经济学家。

经济学里面,有两个基本概念。一是,金钱只有在流通中才有价值,放着不动的钱是没有任何价值的。

也就是说,你辛辛苦苦挣来的钱,如果把50%存入理财产品,对你来说,它们就等同于废纸——相当于你的可支配收入直接减少了一半,只不过会在到期的时候,还给你一点收益而已。

一个高效的企业,最佳的状态永远不是「有大量存款」,而是「存款为零,并且允许有一定的赤字」。也就是说,在力所能及的范围内,最大限度地利用自身资源,将能够筹集到的所有资金,投入能产生效益的项目中,不要让任何一分钱闲置,这才是最高效的利用状态。

第二点与此密切相关:会计关注实际成本,而经济学家关注机会成本。

机会成本是什么呢?简单来说,你把收入的一部分存进理财产品,到期了它会产生收益,乍一看,这是一本万利的事情,实际上,经济学家会考虑:如果我把这笔钱用起来,投入在其他项目,它会产生多少效益?这部分效益与理财所得的效益相比,孰优孰劣?

很多人会用他们的亲身经历告诉你:我一直坚持理财,过了多少多少年,现在终于实现了财务自由。但他们不会考虑,如果把这些资金运用起来,投入在其他项目上面,会产生什么收益?会不会更快达到现在的状态?他们关注的是:我用了多少年,终于存够了钱;而不会关注:如果我把这些钱用起来,可以做多少事情。

很多时候,效益是不能单单用金钱衡量的:换一台更快的手机,可以让每天过得更高效;买一个平板,可以更便捷地处理日常事务;参加一次聚会,可以认识到一大群优秀而志同道合的朋友;添置一些家居用品,可以大大提升生活质量。这些,都是一种效益。

更不用说情感和精神上的效益——为另一半买一件礼物,送父母一份心意,来一场心心念念的旅行,在自己的心愿单上实现一个项目……25岁和35岁,站在巴黎卢浮宫里的感觉是完全不一样的,穿行在京都巷陌里的心境也是完全不一样的。很多东西,错过了就是永远错过了。比如遭遇了毁灭性火灾的香格里拉,比如被过度开发的江南古镇,比如年轻时候的闯劲和无拘无束。不会再有了。

说了这么多,我们对待金钱的态度应该是怎样的呢?

很多文章会告诉你克制物欲——这话是说给三四十岁的人听的。如果你还年轻,一无所有,干嘛要克制?有欲望绝对不是一件坏事——因为有欲望才会有动力。改善自己的生活和工作状态,提高自己的生存和挣钱能力,才是这个年纪最应该考虑的事情。

具体来说:

适当使用信用卡

很多理财文章会告诉你,少碰信用卡,永远不要透支,因为只要当月没有还清的钱,都会产生利息。但是,如果你可以提前半年用上一直想要的手机,而代价只是到了年底需要多还几百块的利息,有什么关系呢?没有必要克制「提升生活质量」的追求,只需要「适当」即可。什么样的程度是「适当」?大致是使欠款保持在2个月收入以内的水平。比如,你月入稳定1万,那么信用卡欠款2万,是可以接受的,这样不会对生活产生太大压力。当然,量力而为。

多跟朋友沟通感情

不要舍不得请客。功利来说,人情这种东西,是金钱所无法衡量的。

参加一些公开课/讲座/聚会/线下活动

挣钱的根本途径不是节流,而是开源。如何开源?保持坚持不懈的学习才是最重要的。所以,多参加一些有价值的交流和课程。一方面可以提高自己,另一方面,也可以拓展自己的圈子,接触到更多优秀的人。这些人所能给予你的帮助和提高,将会远远超过你所付出的金钱。

买书/Kindle

同上,保持大量的阅读,不要不舍得买书。如果你跟我一样习惯看影印版PDF,就买平板。

选择最高效的办公设备

好的办公设备可以令工作效率有质的飞跃。在能够承受的范围内,买最好的生产力工具。这能为你节省大量的时间。相比起金钱,时间重要得多得多。

办健身卡

一个好的身体有多么重要相信不用多说。健身房的条件加上教练的指导,比起自己在家折腾,效率要高很多。

买优质的家居用品

一个良好的居家环境,对整个人的状态都会有极其明显的提升。尤其是床褥、卫生用品、日常用品,在能够负担的范围内,买最好的。当然,还要勤清洁。

尝试各种不同的机会

过于重视理财最大的弊端,就是因为患得患失的心态,很可能会错失许多机会。其实年轻正是束缚最少的时候,也是最能够承担失败的时候,应该多去尝试各种机会,一遍遍地去试错。因为无论你走了多少弯路,都有从头再来的机会。而随着慢慢成长和成熟,这种机会越来越少了。

完成心愿

列出自己想做的事情,努力把它们一件件实现。如果说这世上有最蠢的事情,那就是把年轻的心愿留到不再年轻时才去完成。

这篇文章并不是告诉你不要理财,相反,理财是十分有必要的。但是,你不应该对理财抱有过高的期望:它就是一种保险和稳健的手段,仅此而已。把时间、精力和金钱用在其它方面,无论是提高生活质量,还是提高自己,效益都会高得多。

比较合适的理财是怎样的呢?

有两种方式,我认为是有价值的。

1.应急基金

攒下至少相当于3个月收入的应急基金,存放在最低风险的理财产品上,并且保证不去动用,这是十分有必要的。它不但可以使你面对意外时多一份保障,更重要的,是可以使你无论作出什么选择(比如跳槽或者创业),都能有一份底气:就算你失败了,也还有至少3个月的时间可以重振旗鼓。你会更加没有后顾之忧。

2.大额消费

购买生产力工具,或者去旅游,需要花几个月的时间攒钱,这同样是没有问题的。

希望与你共勉。






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