Friday, August 18, 2023

What have the rich people around you taught you?

 

1. There is no same starting line at all, it is all deceptive.

2. Rich people prefer to exercise and read books, and stay away from bad people and bad things.

3. Rich people are more cautious about marriage.

4. Rich people are more stingy, they will not spend impulsively, let alone buy useless things.

5. The time of the rich is more expensive. Spend money to save time and buy time.

6. Beauty is very cheap in the eyes of rich people, owning is not as good as leasing.

7. Rich people are very cautious in making choices, and they don't make decisions on the basis of brainstorming.

8. The original family and parents of the rich are reliable and clear-headed.

9. Rich people are more diligent and self-disciplined than poor people.

10. Rich people are ruthless to others and even more ruthless to themselves.

11. Rich people have high EQ and IQ, and no one is stupid with a lot of money.

12. Money measures everything, including feelings, morality, quality of life, life, and the attitude of people around you.

13. The money in the pocket is not the same, so we can't understand each other.

14. Rich people don't care about other people's lives or the international situation, but only focus on themselves.

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"Spending money" is an art, but you must not be reluctant to spend these three kinds of money

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Friday, August 11, 2023

"Spending money" is an art, but you must not be reluctant to spend these three kinds of money

Billionaire Bill Gates, founder of Microsoft, said: " Spending a sum of money wisely is as difficult as earning it."

Seeing this sentence, you may be thinking, in order not to fall into the trap of consumption, I struggle to control my desires every day, for fear that one day I will not have enough money to spend, but you tell me that it is difficult to spend money?

In fact, it doesn't mean that spending money is called being able to spend money, it's just called buying things.

Spending money is a skill as well as an art. How to make every penny you spend worth the money is a master.

Careful planning has risen to be an essential skill for every adult's life.

However, some money seems to be saved now, but more money will be spent to make up for it in the future.

And some money seems to be a kind of loss now, but if you look at it from the perspective of development, it can bring you double returns.

1. Don't save money on human relationships

Favours can bring you temporary convenience, but it may also bring unexpected burdens.

B works as a copywriting planner. In addition to her own job, she will take on some part-time jobs in her spare time.

Once, a friend found B and said that it was his current project and needed some copywriting planning, could he ask her for help.

B agreed to her friend's request, and it took a few days to complete it as required.

After receiving the plan, the friend never gave any feedback. B couldn't help sending a message to her friend, asking if the plan was feasible.

The friend told B that the company was very satisfied with her plan, and then mentioned the friendship between the two of them, and made things easy, without any mention of remuneration.

Not long after, because there was a problem with the plan that needed to be changed, her friend contacted B again, hoping that she could help to change it. Unexpectedly, B blocked her friend's account.

In life, we often hear the words "We have such a good relationship, so you can help me." They are unwilling to pay in the name of friendship, thinking that they have found a bargain, but lost their precious friendship.

There is a saying that goes well: "Don't be afraid to owe favours to others, as long as you know how to pay them back."

Whether it is feelings or friendship, the relationship can only be stable if both parties work hard and pay together.

On the contrary, if you blindly ask for it and calculate gains and losses everywhere, others will just stay away from it.

In this world, no one treats you well for no reason, and there is nothing that should be taken for granted. Every effort made by others needs to be responded and rewarded. Therefore, money for human relations cannot be saved.

 

2. Money for self-appreciation cannot be saved

I saw a question: What is the best investment? Stocks, Futures or Funds?

​There are answers such as Investing in the stock market can lead to gains and losses, and investing in business can lead to gains and losses, but investing in yourself is sure to make profits without losing money.

"Rather than having money, it is better to be valuable."

I believe everyone has a deep understanding. There is no stable job in this world. A large number of business establishments have been cancelled, and it has become a contract system since the pandemic.

only by constantly improving yourself and improving yourself can you resist the wind and rain of life.

I was deeply influenced by a classmate. No matter how much salary I have now, I must develop “the habit of spending some money for my future ."

Therefore, every month he will spend 5% of his salary to invest in himself and learn a skill, such as buying professional books, attending a writing camp, signing up for a financial management course, getting a certificate, and learning a skill. Skin care and more.

he recorded all these expenditures in the account book one by one, and set a goal for himself to save up the tuition fees for the courses to be registered little by little every month.

It has allowed him to be promoted in the workplace and his salary has also been increased. He doesn’t feel sorry for the money spent in this way. It allows him to improve every day.

 

3. Don’t save the money of honouring your parents.

As the saying goes: "There is no love without a reason, and there is no hate without a reason."

The only love in this world that does not ask for anything in return and works hard is the love of our parents for us.

Our parents worked hard to bring us up. In order to keep us fed and clothed, they cut down on food and clothing and saved money to pay for our college education, so that we can get in touch with the outside world and broaden our horizons.

But when we grew up and stayed in the big cities to work, we found that our parents who were far away in their hometown had already had gray hair, and they were really old.

Taking advantage of the fact that our parents are still there, besides going back to spend more time with our parents during the holidays, we will do our best to take them to the hospital for a physical examination once a year, take them to buy some gifts, and give out red envelopes for the festival... …

As children, we must not save money for honoring our parents.

"A person can earn a lot of money by cleverness, hard work and luck, but it takes wisdom to spend it.

How to manage money correctly is a topic that each of us needs to learn.

Learn to use money seriously, spend it in the right place, and use it wisely. This is the meaning of making money.

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How to spend the first salary meaningfully?

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Friday, August 4, 2023

How to spend the first salary meaningfully?

A girl in Hangzhou used her first salary to buy a mobile phone for her best friend" rushed into the hot search and caused heated discussions.

Netizens expressed that "this kind of girlfriends is really enviable", " please give me a dozen girlfriends like this". The girl expressed that she wanted to make her best friend happy for a lifetime, and would spoil her no matter what.

Of course, there are also different voices, such as "Why don't you buy it for your parents first?" and so on.


01 Salaries handed over to parents

This reminded me of how the first salary in my life was spent?

My first salary was very low, like only $800. I gave $500 to my mother and kept $300 to buy daily necessities.

At that time, I was young and my thoughts were simple. I just want to earn money and give it to my parents to subsidize the family. I want to help my parents save money for my younger brother to study.

Therefore, my first salary income is basically handed in in full, and the use was very simple. I didn't buy gifts for myself, my family or friends, I didn't do anything earth-shattering, and I didn't have any special meaning.

 

02 Buy a gift for someone you love

Although my younger brother is younger than me, he worked earlier than me.

My younger brother's first job was to work as an assembly line worker in a factory. After working hard for a month, my younger brother was very happy when it came time to get paid. He went to the factory very early that day.

When I went home in the afternoon, I brought back a watch and said it was for me. The dial and strap are both gold, delicate and beautiful, and I have liked gold since then.

The younger brother said that he had visited several watch shops and thought this one was the best.

I was so moved that I was about to cry. I was afraid that he would make a joke, so I suppressed my tears.

Since then, this watch has accompanied me throughout my youth, from going to school to working until now, I still keep it. This should be the most valuable of my assets, at least in my eyes.

 

03 How to spend the first salary

The first salary, no matter how much or how little, is a reward for our hard work when we first enter the workplace. Different people treat their first salary differently.

Some people have understood the difficulty of their parents, and began to learn to live on a budget, save a small part of their salary first, and use the rest to pay some fixed expenses, such as rent, water and electricity bills and so on. Some people will use their first salary to express their gratitude to those who have helped them, such as wrapping a red envelope for their parents, preparing a small gift for their mentor... In fact, it doesn’t matter what you give, what is important is the content contained in it.

There are also people who reward themselves with the first salary and experience the harvest after hard work. There is nothing wrong with this.

Make an appointment with friends for a dinner, buy home the lipstick that you have wanted for a long time, and send yourself a bouquet of flowers, watch a movie with your loved one, record your happiness in the day's account book, and set the next "small goal" by the way..

How does it make sense to get the first salary? There is no standard answer. But no matter how you arrange it, it is recommended to save money, learns to keep accounts, spend rationally, don't spend extravagantly, and leaves some living expenses for yourself while celebrating happily. Because I still have to live for the next month, I will rely on the saved wages.

Do you still remember the first time when you were paid your salary? How much did you spend? Do you have any good memories? 

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Things you should never do

Friday, July 28, 2023

Things you should never do

 

Things you should never do

1.    Sleep with your confidant.

2.    Marry your lover.

3.    Treat every colleague as a friend.

4.    Go to a friend's company to work.

5.     Reveal your real thoughts in front of the boss.

6.    Trust the boss's promise.

7.    Cannot hide emotions.

8.    Talk loudly on the mobile phone in a crowd.

9.    Get used to making excuses for yourself.

8 sentences that make you mature at least 5 years old

1.    If you don't like your current job, either quit your job or shut up.

2.    Learn to endure loneliness.

3.    Don't be as fragile as glass, be a person with a strong heart.

4.    Control your mouth, know what to say and what not to.

5.    Know how to create opportunities.

6.    If the phone does not ring, you should make a call.

7.    Don't marry hastily.

8.     Write down the things you want to do in your life, put the list in your wallet, and take it out often.

Habits of successful people

1.    Smile.

2.    Simple lifestyle

3.    Do not borrow money from friends.

4.    Say good things about others behind their backs.

5.    Just smile when you hear someone say bad things about others.

6.    Don't let people know all about your past.

7.    Respect people who don't like you.

8.    Be ruthless to things but affectionate to people.

9.    Do more self-criticism.

10.  Cheer for others.

11.  Be grateful.

12.  Learn to listen.

13.  Start with ‘we’ when speaking.

14.  Talk less.

15.  Like yourself.

 

15 Tips for Establishing Networks

1.    Learn to empathize

2.    Learn to adapt to the environment

3.    Learn to be generous

4.    Learn to be low-key

5.    Be sweet;

6.    Be polite

7.    Learn to be grateful

8.    Be punctual

9.    Keep promises

10.  Learn to be patient

11.  Have a normal heart

12.  Learn to praise others 

We must understand when we are young

1.    If you are not brave, no one will be strong for you. 

2.    Children without umbrellas must run harder! 

3.    If you chose the path, you have to walk it even though you need to kneel.

4.    I would rather run and be tripped countless times than walk in a comfortable life. smile proudly even if you failed.

Three Regrets in Life

1.    Can't choose , 

2.    don't insist on choosing,

3.    choose constantly

Three major traps in life

1.    carelessness,

2.    gullibility,

3.    greed

Three major tragedies in life

1.    do not learn when you meet good teachers,

2.    do not make friends when you meet good people

3.    do not grasp good opportunities when you meet them

Three great Incompetence in Life

1.    Do not compete with leaders,

2.    Do not compete with colleagues

3.    Do not compete with subordinates for merit. 

Signs of maturity

1.    No matter how sleepy you are in the morning, you will get up and go to work immediately; 

2.    Like to eat home-cooked meals more than restaurants outside;

3.    Watch news than entertainment news; 

4.    Call friends less often; 

5.    There are fewer and fewer people or things that can make you happy;


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The coffee that energizes us is actually quietly stealing our energy


Friday, July 21, 2023

The coffee that energizes us is actually quietly stealing our energy

 
We all love coffee. Even if you don't like its taste, you will like the changes that coffee brings to your body: it makes you more focused and full of energy. But how long do the effects of coffee last? The latest research shows that coffee may not only provide people with energy, but will consume energy.

Coffee: The Culprit That Steals Your Energy
Caffeine is an adenosine antagonist. If the term is too complicated, you just need to remember that it does not generate new energy for you, but draws and depletes the energy you already have.
Adenosine is a substance secreted in the brain that acts to make people feel sleepy and regulate sleep. The more adenosine in the brain, the sleepier you are.
In addition, adenosine can also help us reduce inflammation in the body, regulate the heartbeat, and help digestion.

Your body likes regular sleep, so the brain releases adenosine on a 24-hour day and night cycle. If you force yourself to stay up late, you will feel more sleepy because your brain releases more adenosine than usual to help you fall asleep at normal times.
After consuming caffeine, the human brain does not stop secreting adenosine, its receptors are only temporarily inhibited. At this time, your state is very delicate: your body feels tired, but you yourself don't feel tired.

Like an over limit credit card, it can no longer be used after the it reaches a certain amount.
Neuroscientist and Stanford professor Andrew Huberman calls it "sleep hunger." But when the limit is met, it finally triggers the phenomenon of "coffee no longer works", that is, coffee burnout.

How to Avoid Coffee Burnout?
Caffeine is a recreational drug that is in use today.
Maybe someday in the future, it will be locked in the back of the cabinet like alcohol and prescription drugs, and minors are prohibited from touching it. But before that day comes, we need to learn to use caffeine healthily.

The first step is to understand caffeine. Here are three little-known facts about coffee:
The half-life of caffeine is five hours. This means that if you drink a cup of coffee five hours before bed, it is equivalent to drinking half a cup of coffee before going to bed.
While coffee keeps you focused and energized, it can also increase your stress.
Adenosine takes time to wear off in the morning. At the same time, many hormones are released when you wake up in the morning.

With this knowledge, you can improve the frequency of coffee drinking and ensure healthy sleep. Specifically, you can:
Stop drinking coffee ten hours before bedtime to ensure that your body can completely deplete the caffeine before bedtime and prevent it from inhibiting adenosine.
Work off any remaining stress with physical activity. If you feel anxious or tense during the day, try going for a walk or exercising.
Drinking coffee 90 minutes after waking up in the morning will give your adenosine time to wear off before you artificially (caffeine) suppress them.
Coffee is not bad.

For some of us, coffee is a life-enhancing agent that helps us regulate when we spend our energy, thereby helping us take control of our lives.
But it needs to be remembered that coffee is helping people to draw energy, not generate new energy. And all overdrawn things will eventually have to be repaid.
Keep this in mind to really deal with the relationship with caffeine.
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Listen: Podcast

Friday, July 14, 2023

After reading "Rich Dad Poor Dad" epiphany, I fell into the "rat race trap" for so long

 

1

In the book "Rich Dad Poor Dad", there is a term called "rat race trap".

The mouse had to run on the wheel in order to eat the cheese in front of him. The faster it goes, the faster the wheels turn. Until the end exhaustion, also can't reach a mouthful of cheese. In fact, if you want to eat cheese, you need to jump up, not run forward.

But the mouse just ran with its head buried in its head, exerting force in the wrong direction, wasting its energy.

Many people are like this mouse, walking forward non-stop, but rarely stop to think. In the busy cycle, they are trapped in the cage of life. After all, the life you want is not accumulated by ineffective efforts. Without deep thinking, all hard work is in vain.

I think such questions have more or less appeared in our minds.

Why do we work overtime until 12 o'clock in the middle of the night, but our colleagues get promoted?

Why do we enrol in many courses and study hard every day but still get little effect?

Why do we pack our schedule so full and we can't grow at all?

Physical effort is just a habitual exercise of muscles, and diligence without thought is actually the greatest laziness.

Efforts without thinking, without structure, without logic, will only lead you into a cycle of fatigue and inefficiency.

Getting rid of low-quality diligence and developing the habit of deep thinking is the first step in life advancement.

2

There is another story in the book "Rich Dad Poor Dad".

There is a village with no water source within a mile radius, and the villagers can only drink the rainwater that falls occasionally.

To solve the water problem, the village selected young men Ed and Bill to be responsible for the water supply, and signed contracts with both of them.

After the contract was completed, Ed couldn't wait to buy two large barrels to carry water from the distant lake for the villagers to use.

However, even if he gets up early and works late every day, it cannot fundamentally solve the water supply problem.

Another young Bill, who disappeared after signing the contract.

Half a year later, he brought back an engineering team and worked hard for a year to establish a complete water supply system.

This method greatly saves labour costs, and the price is much cheaper than Ed.

Soon, the whole village used Bill's water.

In a hurry, Ed called his two sons to carry water even harder, and the price of water dropped even more than before, but in the end he found that he could not compete with Bill at all.

The different circumstances of Bill and Ed reminded me of a story circulating in the Ford Motor Company.

Ford's boss once hired an expert to evaluate the performance of employees.

The expert said after the inspection: "There is a lazy guy who stays in the office all day and wastes your money. Every time I pass by, I see him sitting around with his feet on the table."

The boss laughed when he heard that, "I know this guy is lazy, but he once came up with an idea that saved our company millions of dollars. He put his feet on the table like that when he thought of that idea."

What do these two stories tell us?

Because no matter in life or in the workplace, people often only look at the results, not the process.

Mediocre people always emphasize their own efforts, and then do nothing; while masters do things, they often act after thinking, and speak with results.

Effort is just a "tactic", but developing a global thinking, spreading out the map, and finding the right entry point is the "strategy" that will get twice the result with half the effort.

Therefore, working overtime every day does not make us great people, and working from dawn to dusk does not necessarily make us better.

If a person is not good at thinking, no matter how hard he works, it will be difficult for him to innovate and make breakthroughs.

Only those with sharp vision and advanced mind can be favoured by fate.

What really widens the gap between people is never the degree of effort, but the depth of thinking and the quality of diligence.

3

Chris Bailey, the author of the book "Don't Let Ineffective Efforts Destroy You", was called "probably the most efficient person in the world" by TED. He proposed that there are three elements of high-efficiency life:

Time, energy, focus.

Any efficient life is related to one or more of these elements.

If we don’t have any plans for life and work, and rush all day without any focus, we will lose efficiency due to distraction, and thus fall into the vicious circle of "the busier the poorer".

I think of a survey conducted by Harvard University, targeting a group of young people with similar intelligence, education, and environment.

Studies have found that those who set long-term goals from the beginning have basically become successful people after 25 years;

People with short-term goals also successfully entered the middle class of society;

Those who have no goals are almost at the bottom of society, often unemployed, and rely on social relief to survive.

There is a saying in "University": Make a decision before you move, and you will gain something when you know it.

When a person's goal is clearer, the path to the goal will be clearer.

It is absurd for many people to repeat their busyness day after day, but imagine a different future.

What really makes you stronger is that you can establish a thinking framework and grasp the underlying logic of things.

Learn to manage by objectives and put your energy on the cutting edge in order to maximize your efforts.

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Do you own all six types of wealth?

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