From 48260d6b67b537fc18f59d93c8cf5d8bf340cd9d Mon Sep 17 00:00:00 2001 From: YuanHui <31339626+alsesa@users.noreply.github.com> Date: Thu, 9 Jan 2025 10:43:18 +0800 Subject: [PATCH] [logseq-plugin-git:commit] 2025-01-09T02:43:18.098Z --- assets/image_1736383995535_0.png | Bin 0 -> 40644 bytes logseq/config.edn | 2 +- pages/复利其实才是天然的现象.md | 26 +++++-- pages/用钱生产的根本原理.md | 121 ++++++++++++++++++------------- pages/钱可能是万物的存储.md | 31 +++++--- pages/钱有两个不同的用处.md | 29 ++++++-- pages/麻烦不断的民间借贷.md | 43 ++++++++--- 7 files changed, 164 insertions(+), 88 deletions(-) create mode 100644 assets/image_1736383995535_0.png mode change 100755 => 100644 pages/复利其实才是天然的现象.md mode change 100755 => 100644 pages/用钱生产的根本原理.md mode change 100755 => 100644 pages/钱有两个不同的用处.md mode change 100755 => 100644 pages/麻烦不断的民间借贷.md diff --git a/assets/image_1736383995535_0.png b/assets/image_1736383995535_0.png new file mode 100644 index 0000000000000000000000000000000000000000..b8e84f5a2e8bbc3684ae8edb9a3bc97af18c4363 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a/pages/复利其实才是天然的现象.md b/pages/复利其实才是天然的现象.md old mode 100755 new mode 100644 index 7bfb40f..953aab2 --- a/pages/复利其实才是天然的现象.md +++ b/pages/复利其实才是天然的现象.md @@ -1,14 +1,24 @@ - ![复利其实才是天然的现象](https://xuexi-courses-storage.firesbox.com/7000102069/replay/59374816-5988-4b15-9054-b23822374e22.mp4) id:: 65387c28-c4af-43f9-b928-66a60e98de9f - 按年利率10%借一年 - 到期本金加利息应还=1.1x本金 -- 第二年 - 到期本金加利息应还=1.1x1.1=1.21x本金 -- 第二年其实也还是单利 -- “单利”根本不是天然的 + - 到期本金加利息应还=1.1x本金 + - 第二年 + - 到期本金加利息应还=1.1x1.1=1.21x本金 + - 借多少年，都只按照本金x来计算利息，第二年其实也还是单利 + - 利息是合理的，复利也是合理的 - 人们长期误解“利息” -- 这是所有**“真相”的共性**。真相不灭，也不为任何人的意志而转移 + - 误解最深，最广的，肯定是复利 + - 利滚利 + - 高利贷 + - “单利”根本不是天然的 + - 这是所有**“真相”的共性**。真相不灭，也不为任何人的意志而转移 - “单利”是“**线性增长**”，“复利”是“==指数增长==” + - ![image.png](../assets/image_1736383995535_0.png) + - 指数增长，在相当长的一段时间里，低于线性增长 + - 增长速度就好像是有加速度一样，不仅越涨越多，还在涨的越来越多的同时涨的越来越快 - 所谓的“陷阱” - **并非来自于**“放贷者”的“**有知**”， - ==而出自于是==“借贷者”的“==无知==”…… \ No newline at end of file + - **并非来自于**“放贷者”的“**有知**” + - ==而出自于是==“借贷者”的“==无知==”…… + - 极少数的放贷者几乎很快就凭直觉掌握了这个秘密 + - 绝大多数借贷者从未真正有机会去理解这个所谓的秘密 + - 因为攒钱太困难了 \ No newline at end of file diff --git a/pages/用钱生产的根本原理.md b/pages/用钱生产的根本原理.md old mode 100755 new mode 100644 index c180279..fd87031 --- a/pages/用钱生产的根本原理.md +++ b/pages/用钱生产的根本原理.md @@ -1,57 +1,80 @@ - ![用钱生产的根本原理](https://xuexi-courses-storage.firesbox.com/7000102069/replay/9ba6ab30-2ccb-42c5-9baa-6c6b1efd6981.mp4) id:: 6535f026-97f7-419c-bed7-285293d2bb03 -- 放贷收息 +- 投资的本质就是放贷收息 + - 金融的核心就是利息 - 极为古老 - 利率，利息 - 投资 - 只有少数人有机会“用钱赚钱” -- ```mermaid - flowchart LR - 生产(生产) --> 钱[(钱)]; - 钱 --> 消费((消费)); - 消费 --> 余钱[(余钱)]; - 余钱 -- 量足够大 --> 资金[(资金)]; - 余钱 -- 时间够久 --> 资金; - ``` + - 前提是钱的量要足够多，否则借不出去 + - 得把零钱通过时间积累成资金才可以 + - ```mermaid + flowchart LR + 生产(生产) --> 钱[(钱)]; + 钱 --> 消费((消费)); + 消费 --> 余钱[(余钱)]; + 余钱 -- 量足够大 --> 资金[(资金)]; + 余钱 -- 时间够久 --> 资金; + ``` - 很久很难的一个过程，绝大多数人都做不到 -- 少数人发现这个事实，少数人手中有足够的基金 -- 钱竟然也是一种生产资料 -- ```mermaid - flowchart LR - 知识(知识) --> 生产资料(生产资料); - 资金(资金) --> 生产资料; - 时间(时间) --> 生产资料; - 生产资料 --> 生产((生产)); - 生产资料 --> 投资((投资)); - ``` + - 少数人发现这个事实 + - 极少数人最后手中有足够的基金 +- > 钱竟然也是一种生产资料 +- 绝大多数人生产 + - ```mermaid + flowchart LR + 知识(知识) --> 生产资料(生产资料); + 时间(时间) --> 生产资料; + 生产资料 --> 生产((生产)); + ``` +- 少数手中积累到资金的人，生产有另外一种==投资== + - ```mermaid + flowchart LR + 知识(知识) --> 生产资料(生产资料); + 资金(资金) --> 生产资料; + 时间(时间) --> 生产资料; + 生产资料 --> 生产((生产)); + 生产资料 --> 投资((投资)); + ``` +- 利息产生的原因和机制 + - 资金和时间是一样的，都是排他性资源 + - 资金和时间使用都有机会成本 + - 把资金借我了，你自己就失去了生产的机会，为了公平起见，归还本金的时候，还要加上适当的利息，作为你的机会成本补偿 + - > 利息是资金的机会成本补偿 + - 资金攒在自己手中，它的机会成本为0，借出去，机会成本就大于0 + - 资金本身无法产生利息，一定要借出之后才可能有利息 + - ```mermaid + flowchart LR + 资金[(资金)] -- 借出 --> 利息(利息); + ``` - 资金也是生产资料，投资是一种特殊的生产 -- 利息的产生原因有很多种说法 -- 资金和时间是一样的，都是排他性资源 -- 利息是资金的机会成本补偿 -- 资金是排他性资源，它天然具备机会成本 -- ```mermaid - flowchart LR - 资金[(资金)] -- 借出 --> 利息(利息); - ``` -- 资金本身无法产生利息 -- ```mermaid - flowchart LR - 资金[(资金)] -- 借出 --> 利息(利息); - 资金 -- 足够久的时间 --> 利息; - ``` -- 利息=利率X时间 -- 风险藏在时间里，随着时间风险肯定会出现的 -- 债权人规避风险，债务人是否合格，必须有足够抵押物或信用 -- ```mermaid - flowchart LR - 足够的抵押物(足够的抵押物) --- 足够好的对手(足够好的对手); - 足够好的信用(足够好的信用) --- 足够好的对手; - 量足够大的钱(量足够大的钱) --- 借出((借出)); - 足够好的对手 --- 借出; - 足够久的时间(足够久的时间) --- 借出; - 借出 --- 利息(利息); - ``` -- 足够好的对手 - - 抵押物 - - 信用 -- 一个人对生产资料的分类是，房贷收息久不是生产 \ No newline at end of file + - 钱得足量才能被称为资金，但这还不够，还得有足够的时间加持 + - ```mermaid + flowchart LR + 资金[(资金)] -- 借出 --> 利息(利息); + 资金 -- 足够久的时间 --> 利息; + ``` + - 利息=利率X时间 + - 风险藏在时间里，随着时间风险肯定会出现的 +- 任何时候，任何地方，花最多时间研究债权人规避风险，债务人是否合格，必须有足够抵押物或信用 + - 利息生成的前提 + - ```mermaid + flowchart LR + 足够的抵押物(足够的抵押物) --- 足够好的对手(足够好的对手); + 足够好的信用(足够好的信用) --- 足够好的对手; + 量足够大的钱(量足够大的钱) --- 借出((借出)); + 足够好的对手 --- 借出; + 足够久的时间(足够久的时间) --- 借出; + 借出 --- 利息(利息); + ``` + - 足够好的对手 + - 抵押物 + - 信用 + - 一个人对生产资料的分类是，房贷收息久不是生产 +- 对生产资料的分类是 ((677ceb44-cd5f-4433-b4af-ef694fe76d42)) + - 房贷收息的行为压根就不可能属于生产 + - 放贷收息过程中放贷者本质上没有付出劳力，这种不劳而获看起来是显而易见的邪恶 +- 生产资料分为时间与知识 + - 钱是可以通过习得知识，进而花时间进行生产，再通过交换获得 + - 把钱当作生产资料，与时间组合在一起，生产出了钱 +- 绝大多数人并不知道，承担风险其实是更累的劳动 \ No newline at end of file diff --git a/pages/钱可能是万物的存储.md b/pages/钱可能是万物的存储.md index 262b29c..430074d 100644 --- a/pages/钱可能是万物的存储.md +++ b/pages/钱可能是万物的存储.md @@ -2,6 +2,7 @@ id:: 6531cc7c-f74a-4aa6-9126-2e890780c77f - 价值的存储之外 - ==万物的存储== + - 钱的金额达到一定数额，可以被称为资金（或资本）的时候，就不一样了 - 资金，资本 - ```mermaid flowchart TB @@ -12,28 +13,32 @@ 钱 --- 时间(时间); 钱 --- 知识(知识); ``` -- 自由 +- 有钱意味着有选择，选择意味着机会，也就意味着自由 - 想要什么就有什么 - 想干什么就干什么 - **我可以不要什么** - **我可以不干什么** - 攒钱=赞命 background-color:: yellow + - 可以购买任何必须的商品或服务，不需要消耗自己的时间去生产，时间就有了富余 + - 时间是更为紧俏的资源 + - 钱是时间的存储手段，钱甚至也可以是知识的存储手段 + - 不仅是攒命，甚至也可能是在攒脑子呢 - ```mermaid flowchart LR 知识成本(知识成本) --- 钱(钱); 知识成本 ------ 知识(知识) ``` -- ```mermaid - flowchart LR - 生产资料(生产资料) --- 时间(时间); - 生产资料 --- 知识(知识); - ``` -- 钱可以存储任何东西 - - 钱可以存储生产资料 -- 钱就是生产资料，同时还是有选择的存储方式 -- 钱是最灵活的生产资料 - background-color:: yellow +- 生产资料的构成 + - ```mermaid + flowchart LR + 生产资料(生产资料) --- 时间(时间); + 生产资料 --- 知识(知识); + ``` + - 钱也可以是生产资料的存储方式 + - 钱就是生产资料，同时还是有选择的存储方式 + - 钱是最灵活的生产资料 + background-color:: yellow - ```mermaid flowchart LR subgraph 钱是一种生产资料; @@ -51,4 +56,6 @@ 生产资料A --- 时间A(时间); end; ``` -- \ No newline at end of file +- 人对世界的理解，很多时候完全取决于对关键概念的理解 + - > 钱是最灵活的生产资料 + - 突然之间好像看到或者穿越到了另外一个世界 \ No newline at end of file diff --git a/pages/钱有两个不同的用处.md b/pages/钱有两个不同的用处.md old mode 100755 new mode 100644 index a1261a1..c0958e7 --- a/pages/钱有两个不同的用处.md +++ b/pages/钱有两个不同的用处.md @@ -1,9 +1,16 @@ - ![钱有两个不同的用处](https://xuexi-courses-storage.firesbox.com/7000102069/replay/a250465b-7e2b-487e-8c61-9a0e25b248f2.mp4) id:: 653505d3-3323-4b83-9fda-0a951d52f6c6 -- 绝大多数人，钱只有一个用途消费 -- 另一个用途，投资 -- 攒钱的首要方式是节俭，行动上很难，心理上更难 +- 绝大多数人，钱只有一个用途 + - 消费 +- 第二个用途，远比第一个重要 + - 投资 +- 攒钱的首要方式是节俭 + - 行动上很难，心理上更难 + - 总是让人心情不佳，不开心的日子怎么过下去呢 - 攒钱的解决方案是==学习== + - 学习才是最佳的解决方案 + - 花时间去了解投资的本质、方法论 + - 通过时间、投资赚到了钱 - ```mermaid flowchart LR 钱[(钱)] --> 消费; @@ -12,9 +19,12 @@ 资金 --> 投资((投资)); ``` - 首先通过学习知识再投资 -- 投资欲望会自动碾压消费欲望 -- 投资更快乐 + - 投资欲望会自动碾压消费欲望 + - 不知不觉，自然而然地用更多钱去投资 + - 投资更快乐 - 钱是最灵活的生产资料 + - 生产资料用来生产才最划算 + - 投资就是用钱赚钱 - ```mermaid flowchart LR subgraph 钱是一种生产资料; @@ -32,8 +42,6 @@ 生产资料A --- 时间A(时间); end; ``` -- 投资就是用钱赚钱 -- 生产资料用来生产才最划算 - ```mermaid flowchart LR 时间(时间) --> 学习((学习)); @@ -51,4 +59,9 @@ 时间 --> 生产; 生产 --> 财富[(财富)]; ``` -- 知识就是这样，一旦学到就不可能忘掉 \ No newline at end of file +- 知识就是这样，一旦学到就不可能忘掉 + - 很难再乱花钱，应该用它来生产 + - 很难再仇富，有钱人是债权人 + - 很难再漠视理财，钱是万物的存储，那里存着你的自由 + - 很难再安于直接出售你的时间，那是最差的商业模式 + - 很难再怨天尤人，所有的一切都是从你自己的时间里面挖出来的 \ No newline at end of file diff --git a/pages/麻烦不断的民间借贷.md b/pages/麻烦不断的民间借贷.md old mode 100755 new mode 100644 index 566e3b6..63afcb9 --- a/pages/麻烦不断的民间借贷.md +++ b/pages/麻烦不断的民间借贷.md @@ -1,15 +1,38 @@ - ![麻烦不断的民间借贷](https://xuexi-courses-storage.firesbox.com/7000102069/replay/363a9188-4038-4da8-97c1-5c0d5d0bbf67.mp4) id:: 65371958-45d2-4681-96de-6892a6b39cb9 -- 严肃的放贷生产 +- 绝大多数人没有机会从事严肃的放贷生产 + - 日常生活中，普通人之间经常出现各种借贷需求 + - 绝大多数人对金钱的本质和属性没有深刻的认知 + - 生活中绝大多数纠纷到最后都与钱有关 - 如果有人向你借钱，你应该如何应对呢？ -- ```mermaid - flowchart LR - 借钱(借钱) -- 考虑 ---> 生产((生产)); - 借钱 -. 绝不 ..-> 消费((消费)); - 借钱 -. 绝不 ..-> 还债((绝不)); - 借钱 -. 迫不得已 ..-> 赠送((赠送)); - 生产 -- 考虑 ---> 抵押贷(抵押贷); - 生产 -. 绝不 ..-> 信贷(信贷); - ``` + - 不知道钱是生产资料的你 + - 已经洞悉这一切的你 +- 只需一个简单的原则就可以避开绝大多数的陷阱：==借钱生产== + - 除此之外，都不行 + - 借钱消费，想都别想 + - 钱，更恰当的用处只能是生产 + - 借钱还债，更不可能 + - 反过来考虑 + - 为了生产去借钱，可以考虑 + - 为了消费去借钱，想都别想 + - ```mermaid + flowchart LR + 借钱(借钱) -- 考虑 ---> 生产((生产)); + 借钱 -. 绝不 ..-> 消费((消费)); + 借钱 -. 绝不 ..-> 还债((还债)); + 借钱 -. 迫不得已 ..-> 赠送((赠送)); + 生产 -- 考虑 ---> 抵押贷(抵押贷); + 生产 -. 绝不 ..-> 信贷(信贷); + ``` +- 不借钱很难 + - 坚守第二个简单的原则：==抵押贷== + - 抵押贷，可以考虑 + - 信贷，想都别想 + - 必须有足够的（即超额的）抵押物作为还款保障，利息可有可无 + - 信用整个东西，于藏在时间里那么多且大的风险面前，总是不堪一击 + - 处于种种原因，两条原则都被打破 + - 狠下心来，绝对不能借，干脆直接送一部份 - 消费信贷及其文明，法律完善 + - 普通人正常情况下没必要向身边的人借钱 + - 合理的情况，银行都能解决 - 有办法用钱生产的人是没办法随便借钱出去的，随便借钱的人他们手中的钱机会成本为0 \ No newline at end of file