Business

Never stop learning At the end of the day, founding a star up primarily request you to do one thing: learning. don’t look for tricks the fact is there are no shortcuts in starting a start up . There’s no trick to get people to like you product. You just have to make a good product because that’s all your user care about. ...

别动上层人的利益，也别动下层人的观念，动上层人的利益犹如要他性命，动下层人的观念犹如刨他祖坟，而下层观念正是上层利益的来源。

成功的敌人不是失败，而是无趣与无聊，所以我们必须让它有趣。 做产品也是一样，必须一开始就有人用，有互动，有反馈，否则你坚持不下去的。一定要从一开始就有种子用户，开发中的时候就有一个群的人在期待。 ...

Habit of Financial Discipline: Become someone who practices disciplined financial management. This could involve habits such as creating a budget, tracking expenses, and avoiding unnecessary spending. Habit of Continuous Learning: Embrace the identity of a lifelong learner in the realm of personal finance. Make it a habit to read books, articles, and attend seminars on financial literacy and investment strategies. Habit of Savvy Investing: Cultivate the identity of an informed and strategic investor. Regularly set aside time to research investment opportunities and make informed decisions about where to invest your money. Habit of Goal Setting: Adopt the identity of a goal-oriented individual. Set clear financial goals and break them down into actionable steps. Regularly review and adjust your goals as needed. Habit of Networking and Relationship Building: Become someone who actively seeks out connections in the financial world. Network with professionals, mentors, and like-minded individuals who can provide guidance and opportunities. Habit of Entrepreneurial Thinking: Develop an identity that embraces entrepreneurial thinking. This might involve exploring side businesses, investments in startups, or other ventures that can diversify your income streams. Habit of Long-Term Planning: Embody the identity of a strategic planner. Develop a habit of thinking about your financial future in the long term, which includes retirement planning, estate planning, and more. Habit of Resilience: Cultivate the identity of a resilient individual who learns from setbacks. Financial success often involves facing challenges; adopting the habit of bouncing back and learning from failures is crucial. Habit of Generosity: Adopt the identity of someone who values giving back. Allocate a portion of your financial success to charitable causes, reinforcing the idea that financial success enables positive impact. Habit of Risk Management: Become someone who is conscious of financial risks. Develop habits of managing and mitigating risks through insurance, emergency funds, and thoughtful decision-making. Habit of Negotiation and Assertiveness: Embrace an identity of someone who advocates for their financial interests. Develop the habit of negotiating for better deals, raises, and terms. Remember, the key is to start small and build gradually. Choose one or a few of these habits that resonate with you and incorporate them into your daily routine. As you consistently practice these habits, they will become ingrained in your identity, leading to more sustainable and impactful changes in your financial life. Over time, these small identity-based habits can accumulate and lead to significant financial success. ...

生活中，总会有一些看似平常的事物，却蕴含着深刻的哲理。就拿蜜蜂和甜蜜来说吧，我们或许很少思考过这背后的故事。蜜蜂，它们是大自然中的勤劳者，辛勤地采集花蜜，转化为甜蜜的珍馐。而这些甜蜜，则成了人们生活中的美味享受，让人们沐浴在幸福的滋味中。 ...

公司希望你成为螺丝钉，可被替代。 你希望自己无可替代，甚至拥有独立盈利的能力，成为公司。 所以只会在某些阶段，双方的利益与目标一致，过了这个阶段就该分开了。 ...

Vanguard Total Stock Market ETF (VTI): Expense Ratio: Approximately 0.03% iShares Core S&P 500 ETF (IVV): Expense Ratio: Approximately 0.03% Schwab U.S. Broad Market ETF (SCHB): Expense Ratio: Approximately 0.03% SPDR S&P 500 ETF Trust (SPY): Expense Ratio: Approximately 0.09% Invesco QQQ Trust (QQQ): Expense Ratio: Approximately 0.20% iShares Russell 2000 ETF (IWM): Expense Ratio: Approximately 0.19% Vanguard Total Bond Market ETF (BND): Expense Ratio: Approximately 0.04% iShares Core U.S. Aggregate Bond ETF (AGG): Expense Ratio: Approximately 0.04%

1. Do consumers recognize that they have the problem you are trying to solve? 2. If there was a solution, would they buy it? 3. Would they buy it from us? 4. Can we build a solution for that problem?” The common tendency of product development is to skip straight to the fourth question and build a solution before confirming that customers have the problem. ...

当涉及风险管理时，有许多有用的工具和方法可以帮助你降低财务风险并更好地管理你的资产。以下是一些值得考虑的风险管理工具和方法： 保险： 购买适当的保险是最基本和重要的风险管理工具。健康保险、车险、家庭财产保险、寿险等能够在发生意外或灾害时为你提供经济支持和保障。 ...

We found out that many other teachers did the same when they started talking about their self-built solutions in their online communities. Teachers began to share their templates through Google sheets. It was clear that this was a shared problem in a very tight-knit community. Note - Location 252 发现了一个群体的集体痛点 Highlight(pink) - Location 252 even though it helped, was clunky and overwhelming. I looked into it, and it seemed quite possible to build a web-based application that would do this work faster and more reliably. ...

如果一个人没有相应的基因、没有后天良好的教育，那么这类人，是永远没办法通过「讲道理」来沟通的。 只能接受这样的客观事实，只能像动物学家研究生物习性那样，去摸清其他人类的行为特征，将他们视为一种普通动物，用各种各样的手段去控制他们，达成自己的目的。 ...

不管思考什么事，最重要的是在一开始就想明白要搭建出怎样的框架。 事实上，一旦有了框架，接下来只要填满就行了。 反之，如果没框架就直接去思考其中的细节,那就不得不面对一堆未经梳理的凌乱信息，白白浪费时间。 ...

usually are full of very similar competitors, fighting it out over price and marginal differences. This saturation makes it hard to enter a market, and even the businesses that are already in that market suffer.

I believe that many bootstrapped businesses only do half the work. They solve a problem, but they don’t address the most critical problem.

You built a solution for customers who think they have that problem under control. You solved the wrong problem. You developed a solution that helps only at the margins. You solved the wrong problem. You built something, but your customers have bigger fish to fry. You solved the wrong problem.

You want to build a “need-to-have” instead of a “nice-to-have.” You want to develop a painkiller instead of a vitamin. You want to be their aspirin. How can this be done? By finding their most important problem: the one issue that is critical to their success. ...

The most crucial problem a customer faces is on their minds most often. It’s the most important because it’s coming up frequently and is never easy to solve. It has the most impact on their lives, but it’s not always the obvious choice. If you can help a customer with their most critical problem, they will benefit the most.

A Critical Problem Is Painful Problems can be a nuisance. They come up, and you either deal with them or ignore them. We can’t ignore critical problems. They persistently make the lives of those who have them harder until they are resolved. They can’t be just ignored, because they consistently reduce the quality of life.

Find the critical problem where ignoring something causes a lower quality of life.

Find the critical problem at the intersection of something mandatory and something wasteful. 关键问题总是位于强制与浪费的交叉点