Perception, assets, and happiness

As my experience deepens, the things I pay attention to and the knowledge I accept are constantly changing. I have graduated from college for four years. In the past six months, I have been exposed to seemingly incoherent information. I think they are useful, so I keep all this information in my mind. It wasn't until recently that a piece was explaining and explaining another piece. When I thought about the piece of information, I suddenly felt cheerful. I used to write something down when I realized it, because in the recording process, I also had a more systematic and clear idea, so we have this article.

Fragment 1:

During a meeting, my boss told us this example: Generally, doctors are a very noble profession (not considering the negative news of domestic doctors), especially dental doctors, they have decent jobs and have a high income. However, no matter how high the dental doctor's income is, once he stops pulling his teeth one day, he has no income, so he has to go to work every day; the dentist wants to work, therefore, you need a place where you can work. He may rent a store near your residential area. The landlord of this store does not need to do anything every month, and does not need to pull teeth. However, the dentist can be charged a certain amount of rent every month.

What does the boss actually want to tell us if he says so much? Let's continue to look at it. Where does the landlord's rent come from? On the surface, the dentist paid the money to the landlord. Where did the dentist get the money? Dentist's money is from tooth extraction. Therefore, we can see that part of the dentist's work is actually working for the landlord (the income of this part of work has paid the rent ). But why does the landlord own this store? Because the landlord spent money to buy the store. So the essence of this incident is that the dentist is working to make money, and the landlord's money (which has been converted to a store) is making money for the landlord. The difference is: work for money and make money work for you.

Therefore, we should try to be a "landlord" instead of a "dentist". Of course, both the landlord and dentist here are broadly speaking.

Fragment 2:

The boss once talked to me separately. He said this: as long as you have the ability, you can replace me as the boss of the company in the future. The company occupies only a small part of the shares, most of the shares are offered to you and other operators. Then he revealed two ideas to me. The first thought was learned from Mengniu's Boss Niu Gensheng, which is roughly like this: assume that the company's annual profit is 2 million, and the boss accounts for 80% of the shares, employees account for 20%, so the boss's revenue is 1.6 million every year. If the boss accounts for only 20% of the shares, and the employees account for 80% of the shares, the enthusiasm and enthusiasm of the employees will be greatly mobilized, because the income of employees is high, and the company's profit situation will be reflected in the employee's income level, assuming that the company's annual profit has increased to 10 million, then the boss's revenue of 20% is 2 million. Therefore, although the proportion is small, the company's overall benefits are very large, and the actual income is increasing, which reflects the principle of "gathering people with wealth. In 2008, Huawei's sales amounted to $20 billion. Even if Huawei's boss Ren zhengfei accounts for only 1% of Huawei's shares, it would be a huge fortune, right?

His second thought is that smart people hire smart people. From the above section, we can see that when the overall benefits of the company increase, even if the shares of the company you occupy decrease, your profits will also rise. In the same way, when you are hiring, try to select people who are better than you, rather than those who are worse than you. As I am now, I am the technical department manager, and I am responsible for the recruitment of technical department personnel. However, if I meet someone who is better than me, it is more suitable to be a technical department manager, I don't have to hesitate to give way, instead of leaving him out, for fear that he might have snatched my job. On the surface, if a person who is better than me enters the company and replaces my position, the result is that my position is reduced, my income is not even higher than that of new recruits, but I am more relaxed, because he is better than me, and many of my jobs are done by him, and he is better than me, he can lead the company to develop in a more powerful direction. When my company became stronger, even if my income was lower than him, my income was higher than before because of the increase in overall benefits of the company, in this way, the company's development will enter a virtuous circle. Unfortunately, I found that many people do not have such a mind or ambition, or do not have such an idea. For those who are better than themselves, they do not cherish and retain them, but simply squeeze out the pressure, in the end, people had to seek another level. I have a deep understanding of this.

Fragment 3:

In the wisdom of stock trading, there is a saying: "People's feelings are basically controlled by fear and greed ". In reality, I found a living example where fear and greed govern people's feelings, and these feelings are reflected in action.

Let's take a look at the greedy example. For example, if you have a monthly income of 10,000 RMB and you have a deposit of 50 thousand RMB, what kind of car are you going to buy? (The minimum down payment for a car is usually 30% of the bare price ~ 35%) You will not buy a Chery QQ or Jetta, because you think that "there is a loss of identity", because you want to be better, and your greed completely dominates you, so you will buy more than 0.1 million or even 0.15 million vehicles, such as Fox and Cruz. Okay, now let's assume that you have 30,000 yuan of income each month and you have 0.12 million yuan of deposits at hand. What kind of car are you going to buy? You will never think about Fox or Cruz any more. At this time, you must be staring at Audi, BMW, or Mercedes-Benz. These cars start at 0.3 million, and you just have a down payment.

When I graduated from high school, my father gave me 2000 yuan for my summer vacation. Because of the strong summer sun, I wanted to buy a pair of sunglasses. I remember very clearly, I thought so, "It's not bad to use glasses. I just bought a pair of sunglasses at a time, I don't need to change it in the future, so I spent more than 200 yuan and bought a pair of products that I thought were very upscale. When I first joined the work, I went around in the mall, I saw a pair of "Oh yeah" glasses, which are very fashionable and expensive, with more than 600 pieces. At that time, I was thinking, "I have been using glasses for four years. This one step is in place and I will never buy sunglasses again ". I am so worried that I bought 1800 glasses when my monthly salary is only 600 yuan. After three years of work, my income has reached a certain level, one day when I went to the coastal city (a shopping mall in Shenzhen), I took a fancy to a pair of glasses, Lei Peng's. I asked the price, 2600 yuan, I swiped my credit card with the same idea as I did twice.

At least we can see from these two things that we often fall into a misunderstanding: "My current economic situation is poor, so I only need to work hard to make more money to solve the problem ". In fact, from the example of buying a car, we can see that even if your income is already high, you will be in debt, and the more you earn, the larger your debt will be! Therefore, hard work, salary increase, and job-hopping cannot solve real problems, because your greedy nature will prompt you to pursue higher goals.

Let's look at an example of fear. This example is my father. My father is 56 years old. He is still working and runs an individual merchant. Now that I have grown up and have my own job, why should I continue to work? What is his fear because of fear? He feared that I lost my job in conflict with my colleagues or boss one day. He feared that my mother was not very good and needed to be hospitalized, fear that my sister, who is still studying, will pay more for the new semester, so he will go to work, because once he stops working, his income will only have a poor pension. Not only does he have fear, but we also have it. Have you ever wondered why we are going to work? What if we don't get off duty? For me, I am afraid to lose my current job. Because I have to pay rent at the end of the month, pay back my credit card, and pay back my car loan, I work hard to make money, I firmly believe that once my income reaches a certain level, all these problems will be solved. In fact, this is my illusion. Even if my income is higher, my debt will grow in parallel, as described in fragment 1. We can see that many bright and beautiful urban white-collar workers have a high income, but they may also bear heavy debts and their achievements, in many cases, fear and greed interact with each other. Because of fear, we work hard, because we are greedy and fall into fear again.

Fragment 4

Fragment 4 is a piece of news, and I laughed at it because the news proved the correctness of the above words: "Nowadays, around Renmin University, wudaokou, Tongzhou, and other regions, A group of drivers and vendors are active. They are fluent in foreign languages, employees entering and exiting the building, and teachers in training schools. After work, they opened the car trunk and became the street stall manager. A city management detachment leader told reporters that "these white-collar workers are particularly difficult to deal with." They said their appearance posed a problem for city management. (Beijing Daily, June 15 )"

There is nothing to say about section 4, but it just confirms the situation described in the previous section. Why do white-collar workers need to set up stalls? Because they are stuck in the debt Quagmire and cannot extricate themselves.

Fragment 5

I remember reading a newspaper or reading a book in the library. I saw this sentence: "Many people do not know what assets are and what liabilities are. In fact, it is very easy to differentiate. You just need to measure it on such a scale: assets are the things that create revenue for you, and liabilities are the things that make you spend ".

This definition can simplify the description in Section 1. The landlord's money is actually buying assets, that is, the store, because the store can generate revenue for him. Credit card loans, car loans, and mortgages are your liabilities. Taking a car as an example, although you own a car, it is not your asset because it cannot generate income for you, instead, you have to pay for it every month, so it is your debt. Is the house an asset? We can measure that a house is your asset when the rental price is higher than the monthly price you pay, or when the house has a strong appreciation expectation and you plan to sell it once it is appreciated, on the contrary, it is your debt. Nowadays, many young people follow suit to buy a house, instead of making an investment. As a self-occupation, it is very stupid. You think that a house is your asset, but in fact the house is your debt, since you do not want to rent out, it cannot create revenue for you, but you will have to bear heavy debt for the next 20 years. (There will be disagreements with many people here, because the traditional Chinese idea is to get married and have a house, so many young people have to buy a house with a hard head, I just want to express my personal views .)

Here I think we can basically divide a person's money into five parts: 1. Normal income, that is, your monthly salary; 2. Normal expenditure, that is, food, shelter, and travel; 3. Debt expenditure, that is, credit card repayment, car loan, and home loan; 4. Asset expenditure. For example, you pay off the house payment in one lump sum and rent the house. 5. asset income: the rent you get every month.

Note: The above assets are also houses. I specifically noted that they are "paid in one lump sum and rented out". Of course, not only houses are assets, but there are many types of assets, such as stocks and funds.

When you buy a house with all your savings and buy a car in order to be decent, it actually adds to your debt. This part of money can be used for investment, so that your money can work for you, rather than working for money all day. For example, if you have 10 thousand yuan now, if you put it at home, it is your income, not your assets, because it cannot generate income for you; if a person asks you to borrow money, promises to pay you back at the end of the year, and pays you 10% interest, you lend the money to him, and then hold his debt, this debt becomes your asset because it can create 1000 RMB for you. On the surface, your 10 thousand million pieces are converted into 11000 pieces. In fact, others are working for you, which is the same as the dentist's example.

The biggest difference between asset income and normal income is that you do not need to participate. If you participate, it is your career. The generated income is both normal and asset income. It's as if you find that white-collar workers who work every day have no place to buy breakfast, so you plan to rent a store downstairs to make and sell breakfast. As an investment, You should rent out the store and recruit people who make breakfast, sell breakfast, and manage the store, but you don't have to operate it on your own, because once you run it, this is your career. You only need to do a good job of infrastructure, and then let these people make money for you. In fact, everyone knows what I want to say. The company is also an asset. This breakfast shop is also an asset because it can generate revenue for you.

So why is your boss rich, and you still have to fear every day to work? Because he used the money to buy assets, and you used the money to buy liabilities, but you used the liabilities as assets.

If you have seen the stories of successful people in their early years, you will hear the phrase "first barrel of gold ". In fact, many young people buy a house with a down payment, which is much more than what these people call the "First Barrel of gold". Why can't they take the money to do more important things? For example, I am in Shenzhen and want to know that I plan to buy a house before. I have a 2 million house and a 0.4 million down payment. I plan to purchase a house after two years of hard work. Now I realize that I will not do this kind of thing again, because when I buy this house, I am about to bear 1.6 million of the debt, which is enough to make it difficult for me to turn over, I will not have much money to buy assets. So what should we do for these 0.4 million? For example, the real estate bubble in my hometown of Xi'an is not very common, while many white-collar workers in the hi-tech Zone need to rent a room. The house will appreciate in the long run if it is enough to buy two single apartments, so I just bought two single apartments in Xi'an Hi-Tech Zone and rented them. 1200 RMB per set of monthly rent and 2400 RMB per month, which is the asset income listed above. However, the investment in an apartment is not necessarily good, because its return on investment is not high, but once I need the money, the apartment can be sold at any time. The way to becoming richer is to constantly buy assets.

Some people will say that, in this case, the House will never be bought unless it is paid in full, because as long as it is self-occupied, it will produce liabilities. This situation can be solved simply by hedging. The hedging method is to hedge your liabilities with your assets income, that is, when your assets reach a certain number, your asset income can offset your normal expenditures and liabilities. At this point, you don't even need to go back to work or be afraid (remember that assets don't need your participation ).

Making money and happiness

We do not work or invest in order to make money. Our ultimate goal is to improve our happiness. So what is happiness? Happiness is a proportion. Its numerator is "what you already have", and its denominator is "What You Want To Have". Therefore, there are two ways to improve happiness. One is to increase the numerator, that is, to get what you want, and to lower the denominator, that is, to lower your goals and requirements. All the content above is to tell you how to make money, but ignore happiness. For example, if you want to buy a car, but because you know that buying a car is a debt, so you don't want to buy it (the happiness factor is small), but you really want it (the happiness factor is big), so you are not happy. In the face of this situation, you need to make a balance: is it to increase investment, reduce debt, and reduce happiness? Or reduce investment, increase debt, and increase happiness? This depends on which aspect you pay more attention.

 

 

Http://www.cnblogs.com/JimmyZhang/archive/2009/08/11/1543312.html

 

Brother, I am your local party. I also step by step from programmers to management posts and start my own business.
1. Enjoy the work and the work process.
2. Who knows the truth? But how many people can really do it? Running a company is by no means a simple task. Too many problems need to be considered. What you see or feel is just superficial, because you are only engaged in transactional management and are not in full control of a company.
3. Money is not the whole of life. Learn to enjoy life.
4. economics, finance, investment, market, and finance belong to the realm of technology. I hope you will spend more time studying the things left by your ancestors (Chinese Studies and history ), maybe you will have more gains.

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Your current status shows me seven or eight years ago that I am more idealistic and thought-provoking.
I guess the local party is not married yet.

Perception, assets, and happiness