Friday, September 23, 2022

How to avoid being scammed?

 If you only think about making money when you have no money, you may fall into a trap.

 

When a person is in a desperate situation, especially because of money, it is difficult to be rational.

01 People who have no money are actually easier to be fooled

 

There is an interesting statistic.

 

Among the people who buy used cars, the chances of the rich being scammed are much lower than those who are poorer.

 

The reason is that rich people tend to buy high-end cars when they look for cars, and the former car owners cherish them very much, and there are fewer problematic cars.

 

Those who have no money often only pay attention to the price. The cheaper the better, but it does not conform to the law of value. Usually, cars with very low prices have many problems.

 

This shows that people who have no money pay too much attention to cost considerations, are short-sighted, and often evaluate things by paying less and getting more, and are blinded by the joy of taking advantage. Liars often take advantage of this, and the success rates are high.

02 Everyone can make and save money

 

Many people find it difficult to make money. But the difficulty is that many people are unwilling to do it, not that they do not know how to do it.

 

It can be summarized into three aspects: long, medium and short:

 

Long term: Invest in yourself and make yourself valuable. Taking advantage of the time, take a few more exams and certificates to make your value higher. The higher the value, the more people will come looking for you, that is, sending you money.

 

Medium term: Although it being said many times, I still have to say that when you have money, try to save some. You do not know when the savings can be critical to save lives.

 

Short-term: if It's really not possible to have some leftover cash, do part-time jobs. If you teach at school, you can help others with tuition after get off work to subsidize your family; if you sit in an office during the day, you can also deliver food and drive a taxi at night. Although it is hard, but steadfast, when danger comes, sometimes you can get through it.

 

03 Making money requires long-term and reasonable planning

 

There are no so-called cures and quick fixes for the basic problems of life. Make predictions and develop strategies ahead of time.

 

In the workplace, the first step in planning is to have a goal. You must have a very precise goal of making money to guide yourself. For example, how much money your goal is to make this year and how much you want to achieve in salary.

 

With a goal, one has to abandon the unrealistic idea of ​​getting rich overnight. People who dream of falling gold from the sky all day long often lose the ability to act, leaving only empty fantasies.

 

Warren Buffett, has been in the financial world for more than 60 years. In fact, the average annualized rate of return is only about 20%. If one year's income is only considered, many people around him may benefit from investing in stocks for one year.

 

But he insists on long-term investment and value investment. Therefore, the accumulation of wealth at an annual growth rate of 20% for more than 60 years is an astronomical figure.

 

Step by step, it is the truth.

 

Many times, it is not the pie that falls from the sky, but the bait of the liar.

 

Only by thinking about danger in times of peace, abandoning the dream of becoming rich, keeping a sober head and keeping your feet on the ground, can you avoid becoming a prey of a liar.​​​

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One typical day

Friday, September 16, 2022

Is this your typical day?

 

Morning started with the disturbing alarm.

Roll up the curtain and immediately the harsh sun will make you start the new day.

 

Came the train with people packed like sardines and you managed to squeeze in. However, there was a long queue at the breakfast shop in front of the company. You looked at the time and knew that there will be no breakfast today.

 

At the end of the day, you finally ended the day's work. You switched off the computer and was preparing to go home. The boss called you and said, "The PPT still needs to be changed, and you have to work hard!"

 

You obliged, and turned the computer back on.

 

After it was finally over, you breathed a sigh of relief, only to find that the company was already empty, and you were the only one left.

 

Dragging the tired body and you remembered that you have not eaten your dinner.

 

You reached home and went to the kitchen. You realised that you forgot to wash the dishes that you used the day before. You turned on the tap and began to wash the dishes. After washing the dishes, you escaped from the kitchen and decided to order food delivery instead.

 

After dinner, you planned to take a hot bath. The water was cold. It turned out that you forgot to turn on the water heater in advance.

 

You took a glance outside, you slumped on the sofa, and you feel like the saddest person in the world.

Is your day like this?

Time to change the routine.

Go for a walk

Friday, September 9, 2022

9 things you must do when you are down

There is no insurmountable mountain,

There is no spring that will not come.

 

Someone asked: How did you get out of the unhappy situations?

The best advice is: take a few more steps.

 

Life is like a cauldron. When you reach the bottom of the pot, no matter which direction you take, if you take a few more steps, it will always go up.

 

When you are lost, just go and practise these 9 little things.

If you keep practising, you may be able to be enlightened.

 

01 Analyse Yourself

When you encounter a problem, what is your first reaction?

 

Is it to escape from reality, shirk responsibility, or to reflect on yourself and find reasons for yourself?

 

Many people choose the former, but doing so will make a person lose their sense of responsibility and fall into endless entanglement and confusion.

 

The truly outstanding people often know how to attribute inwardly, reflect on themselves, and bravely assume their responsibilities.

 

When you persist in self-examination and make up for your own shortcomings day by day, little by little, the scenery you can have in your life will be several times greater than that of ordinary people.

 

02 Accept Yourself

Life is never perfect; there are always flaws in everything.

 

Even people themselves, there are always some flaws, but this is what makes everyone different.

 

Maybe you are sentimental, but sensitive people are often more able to write touching words;

 

Maybe you are burly, but strong people can better protect themselves and those around them, and give others enough sense of security;

 

03 Tolerate Yourself

In life, we must not only tolerate others, but also learn to tolerate ourselves.

 

On the muddy road of life, we have all worked hard for the tomorrow we want, but most of the results are unsatisfactory.

 

So many people begin to doubt their own abilities and deny their past efforts.

 

But what we should do most is to give ourselves some time and patience to find new directions.

 

This is how life is, all suffering will come head-on, but life will also surprise you by turning the corners.

 

You never know what answer it will give you until the last minute.

 

 "Although it is very difficult now, this experience may blossom and bear fruit in the future."

 

When things backfire, you can only take your future life seriously by berating yourself and giving yourself as much understanding and tolerance as possible.

 

04 Take Care of Yourself

Many people say that life is too short to be kind to yourself.

 

But there are very few people who can actually do it.

 

Some people are chased by work performance, and when it is time to rest, they are still fighting in the office until dawn;

 

Some people are still addicted to social interaction, games, and chasing dramas in the middle of the night.

 

In the long run, you consume time and your energy.

 

Everyone should put physical health first. Only when you work and rest regularly can you have the capital to change your life.

 

It is recommended that you make a schedule for yourself from today and strictly follow it.

 

Drink a glass of milk before going to bed, stay away from electronic products, and get enough sleep; get up on time in the morning, exercise for a while, and start a new day.

 

Taking care of yourself is more important than anything else.

 

05 Manage Yourself

People are more prone to emotional breakdowns when they are at the low point.

 

Even a little disturbance in life can make you very annoying.

 

But the destructive power of bad emotions is very great. If you want to vent just because your emotions surged into your heart for a while, you will eventually hurt others, and you will also hurt yourself.

 

Psychologist Professor Davis has done a follow-up survey of nearly 1,000 people and came to a conclusion:

 

If a person is in a strong bad mood for a long time, it can lead to the failure of the family, the bad business, or the mess of the good things.

 

Only by learning to manage your emotions can you take back the initiative in life.

 

Here, I give you three tips for managing your emotions:

 

1. Pause and breathe deeply for 12 seconds;

 

2. Go try running, playing ball, reading... Divert your attention;

 

3. Review after the event to improve your ability to control anger.

 

As we learn to reconcile with our emotions, we discover:

 

Those people and things that made you so angry have long since become a thing of the past.

 

06 Face Yourself

Many times, we can't do one thing because we spend all our time on entanglement and anxiety.

 

On the one hand, I am entangled in whether I can do well or not, and on the other hand, I am worried about what others think.

 

Under such entanglement, in the end, it will only stop moving forward.

 

The more we face up to our conflicts and seek solutions, the more inner freedom we gain.

 

Therefore, instead of repeatedly entangled and fearful of the head and tail, it is better to stop internal friction and move forward.

 

It is only when you act that you can put your troubles behind you and focus on a certain point that you are trying to overcome.

 

07 Upgrade Yourself

 

Someone asked: "Who is the first person to get up in a trough?"

 

The best answer is: "People who have been working hard to improve themselves."

 

We always envy the ability of others to be so strong and the promotion of others so fast, but we rarely do practical things to shorten the gap with others.

 

But good life doesn't happen overnight.

 

Where your time is spent, the flowers of your life will bloom.

 

In the long years, we need enough patience, silently accumulate energy, and improve ourselves.

 

When you improve your skills, you can be irreplaceable in the industry;

 

When you improve your own horizon, you can think broader than others;

 

When you improve your level of doing things, you will be more harmonious in getting along with others.

 

As you grow stronger, your opportunities will follow.


08 Praise Yourself

The real uphill road is usually not easy to walk.

 

Because laziness and fear of difficulties are human nature, between striving to be excellent and just living by, many people tend to slide towards the latter.

 

At this time, it is also a good measure to set up some incentive mechanisms for yourself to help yourself through the boring period of doing things.

 

Stephen, the author of "Mini Habits", once shared a story of "challenging 1 push-up".

 

He set himself a goal: 30 minutes of fitness every day.

 

But people tend to be lazy, he did not want to start exercising.

 

One day, he had a whim, why don't I try doing a push-up?

 

When he was lying on the ground and did a push-up, he thought again: Since I have already set up my posture, I will simply do a few more.

 

In this way, because of 1 push-up, he gradually developed the habit of exercising every day.

 

Life is a battle with yourself.

 

Those who let themselves go will only be abandoned in place;

 

Only those who change themselves little by little can slowly cultivate their own life under the inspiration of a sense of achievement.

 

09 Believe Yourself

The most important thing any mature and independent person should do is to believe in themselves.

 

Because only if you believe in yourself, you can firmly choose the path you want to take when others are not optimistic about you;

 

When the road ahead is boundless, you can still not forget your original intention and move forward fearlessly.

 

If you have a dream, you have to defend it. People who don't accomplish anything want to tell you that you can't be great.

 

In life, every moment is precious. Why don't you focus on people who deny you, why waste your time in confusion.

 

A person with confidence can turn the small into the great and the mediocre into the miraculous.

 

If you have set a goal, you must seize the opportunity and try it bravely.

 

Believe, persevere, success and happiness will come knocking on the door.

 

The best life is not a smooth ride, nor can it be a smooth ride.

 

Highs and lows are inevitable stages of our lives.

 

If at this time, you are in a low period, please grit your teeth and walk again and hold on.

 

There is no mountain that cannot be crossed, and there is no spring that will not come.


Read Also:

What do the wealthy people teach you? Part 2


Friday, September 2, 2022

What do the wealthy people teach you? Part 2

What do the wealthy people teach you? Part 2

6. People who are rich and well-founded actually benefit from the accumulation of the previous generations.

The more money you have, the more you pay attention to education. Use money to get more resources for improvement to have an even better life.

You know, no one will simply die of poverty. Many people go to the end only because they lack knowledge, and this is the most deadly, because ignorance will bind you and drag you into the abyss slowly.

7. Rich people often lie to others, but never lie to themselves.

The characteristic of the rich is that they can deceive. They will deceive people in order to create value, boost morale, and achieve benefits.

Some very powerful people can even send you a wrong message without telling a lie, and you can never see any flaws at all.

However, they have a harsh judgment about their true situation, and they will never be immersed in the beautiful fantasy that they describe. This is completely opposite to the poor.

8. It is difficult for the poor to become true friends with the rich.

Because of the differences in opinions, and lifestyles of the two people are very huge.

Take the level of consumption as an example. The consumption of the wealthy will always increase. If both parties eat or go shopping together, it will be unpleasant for both.

The rich must lower their desires, but the poor only want to meet the minimum requirements. People of different classes have different things every day, and there are very few common topics.

9. People who can boast seem to be more valuable.

To give a very simple example, if there are 2 applications for the job, one of them requests a monthly salary of 5K, and the other requests a monthly salary of 10K. Most people will think that a person with a monthly salary of 10K will be more capable. .

Of course, it is not for you to overvalue yourself. What I want to express is: increase the price appropriately based on your own ability.

For example: if you only have a value of 2K, but you ask for a price of 10K, you will be thrown out by HR.

Therefore, young people must learn more skills, these skills not only provide you with the confidence to speak up, but also become your ‘weapons’ in the future.

10. The lesser the obligations you have, the more victorious you can be

Why? Because you are bold and have the courage to have a go at it.

You can imagine when you have old parents, young kids, a mortgage, or a car loan to take care of; will you be brave enough to use up your savings to invest? Or will you find a stable job and live the rest of your life taking the safer approach?

Therefore, if you want to put up a good fight, you must hurry up when your parents are not old and your children don’t need much support, 25 to 35 years old, a golden ten years.


Read Also:

What do the wealthy people teach you? Part 1

Friday, August 26, 2022

What do the wealthy people teach you? Part 1

 What do the wealthy people teach you? Part 1

1. Stay away from the ‘poor’ education your parents give you.

After interacting with a few young people who have achieved a "class transition", the biggest experience I have got is, if you were born in a family with very poor economic conditions, the key advice your parents gave you must be wrong.

You can learn their ways of doing things, you can also learn from their maturity, but don't rely fully on their economic teachings. And if you think about it, if they can give the right advice and make the right choices on these things, they won't have to spend their entire lives being poor.

It's not that they don't love you, but they can't teach you how to get out of poverty.

2. Confidence, style, temperament, talent, these qualities that seem to have nothing to do with money, are actually accumulated with money.

When you pay close attention to the young but talented, confident, and arrogant people around you, they must have grown up in a privileged environment since childhood, and their parents are by no means destitute, or the norm citizens.

3. Poverty makes a person timid, afraid to try, afraid to invest, and even cautious about interacting with others.

Only when you are not entrapped by money you can really make the right choice.

4. Money exchanged for health is destined not to bring happiness.

Now that most people have a small amount of money in their hands, various physical problems begin to appear, especially some young people, who have left various irreversible injuries to their bodies at a young age.

The tens of thousands of dollars in exchange for staying up late and working overtime will not let you reach the peak of life, but will make you suffer endless torture in the later part of a long life. By the way, some experts pointed out: 60% of people will use 60% of their life savings for the last 28 days of life.

Regardless of whether this number is accurate or not, it is not worth to exchange health for money. It is necessary to balance health and money. Only in this way can we develop in the long run.

5. Masters are generally good at selling.

When you visit shopping malls often, you will find that the bestselling products are not necessarily the best quality, but they must be the best marketed.

Mobile phones, wine, and clothes are all the same. The ones with high sales and profit are not the best ones; they just sell like hot cake.

Therefore, whether it is a person or a product, you must learn to promote it. No matter how good things are, if it is not well marketed, it is equivalent to a waste product.

 

Stay Tune for Part 2

 

Read Also:

Are you smart? Part 2

Friday, August 19, 2022

Are you smart? Part 2

5. Smart people have a growth mindset, while ordinary people have a fixed mindset.

Smart people think that failure is their learning opportunity, and smart people think that the real failure is the failure to grow. Smart people are willing to accept failure, review problems, and try to do better next time. When smart people are being queried, they will see it as opportunities for reflection and improvement. Smart people are constantly improving and will not let themselves stay stagnant.

Ordinary people have a fixed mindset, thinking that failure means that they have no talent in this area. They are more concerned with their face and self-esteem. They are unwilling to face failures and challenges, because their mindset is that they can't go wrong if they don't act. The success of ordinary people does not come from progress, but from other people's evaluation of themselves. Ordinary people will not reflect on the problem, and will attribute the problem to the external environment or others.

6. Smart people are the masters of money, and ordinary people are the slaves of money.

Smart people pay attention to their own needs, smart people do not love money, smart people only love what money can bring, family, friendship, opportunities, growth, time, and freedom. Ordinary people just love money. Ordinary people think money is more important than themselves.

7. Smart people like to review problems, and ordinary people like to avoid problems.

When encountering difficulties, confusion, and upset, smart people will regard this as an opportunity for their own growth. They conduct ‘anatomy’ on themselves, discover the cause of the problem, and avoid making mistakes next time.

When ordinary people encounter difficulties, their first reaction is to ignore them, and they don't want to mention it again. As a result, precious opportunities for growth are missed.

8. Smart people always do things within their own circle of ability, and ordinary people are always deadlocked with things they are not good at.

Smart people know very well that what can make them live happily is what they do what they excel in, so smart people spend a lot of time trying, the purpose is to find what they like and are good at through experimenting.

One's own advantage can only be discovered through multiple times of experimenting.

Some people play games well, then become a game host; some people like to think and can be a learning blogger; some people love to travel, so be a travel blogger. Smart people always survive where they have a competitive advantage. This is the first step in winning the competition.

Ordinary people are unwilling to discover their own advantages and are always bound by a set of rules. Thus they spend a lot of time and energy to make up for the things they are not good at.

A lot of people will tend to spend their lives doing something that they don’t excel in, just because that particular job looks more ‘correct’ for others.

9. Smart people always pay more attention to adequate sleep, healthy eating, and exercise, while ordinary people are just the opposite.

Smart people understand that adequate sleep, healthy eating, and persistent exercise are the most basic things for continuous improvement, a healthy mentality and overcoming failure.

Smart people understand that with a good body and energy, nothing is too bad.

Ordinary people are on the contrary. Greasy diet, alcohol, and overeating are just satisfying the current physical desires, trying to get more work done by prolonging the working hours. They enter into the vicious cycle of having bad health and affect their work.


Let’s start having the mentality of the smart people so that we can all have a fruitful life ahead.


Read Also:

Are you smart? Part 1

Friday, August 12, 2022

Are you smart? Part 1

1. Smart people have very few things to do, and ordinary people do everything.

This boils down to the question of choice. Smart people tend to focus on things strategically, only choose to do very minimal, but they can do well and turn themselves into experts in their fields. After they succeed, they use their own experience to exchange with the experts in other fields. , In order to expand one's abilities;

Ordinary people tend to do things the other way around. They have to do and chase for everything and that will expend their limited energy and in turn cannot achieve anything worthwhile.

2. Smart people will spend a lot of time thinking about whether it is worth doing even before starting it. Ordinary people often action immediately and take longer time to bear the long-term consequences of wrong decisions which they should not even start doing it in the first place.

Quoting from Einstein: If I have an hour to solve a problem, I will spend 55 minutes thinking about the problem itself, and then 5 minutes thinking about the solution.

Among the people I came across, people can have similar abilities, but the salary difference can be several times. It is because the person with higher salary will know how to gauge and weigh the consequences of going into the various fields and companies.

3. Smart people treasure time over money and Ordinary people think otherwise.

When a smart person is doing something, he thinks about whether the time spent on it is worthwhile and whether it has long-term value. When ordinary people do something, they think about whether it is expensive or not.

4. The purpose of reading books for smart people is to acquire knowledge, and the purpose of reading books for ordinary people is to finish reading the book.

Smart people read books; they don't care how many books they read, or whether they read every page. What smart people care about is time efficiency. That is, in a period of time, how much they have been inspired by reading books. The more knowledge obtained the better.

Ordinary people who read books care about how many books they have read and how many books they have read, and go out proudly saying that I have read 100 books this year, but gain nothing from the books.

The knowledge of smart people is in the head, and the knowledge of ordinary people remain in the books.

 

Stay Tune for Part 2

Read Also:

What I learnt from participating in the alumni reunion

How to avoid being scammed?

  If you only think about making money when you have no money, you may fall into a trap.   When a person is in a desperate situation, es...