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From Zero to One: My Independent APP Journey After a week of hard work, my first independently developed APP is finally live! It’s priced at $9.99, and two copies sold on the second day. This marks a brand new beginning for me, opening up a new revenue stream 🥳🥳🥳 Choosing a Niche Market I specifically selected a very niche market with almost no competitors—it’s practically an untapped area. Naturally, the demand isn’t huge, and it’s not a hot application field. But looking at it another way, this might be the perfect place for a beginner to hone their skills 🤠. ...

Trump’s New Tariff Policy and Stock Market Plunge After Trump announced the latest tariff policy, the global stock market plummeted. So far this year, the market has lost 20%. Although I am not panicked, this experience made me deeply understand one principle: a certain amount of cash must be maintained in the investment portfolio. Market Surprises Always Arrive Unexpectedly The market always experiences various surprises, once every few years. For example, the 2008 financial crisis, the 2015 market crash, the 2020 Wuhan pneumonia, and even the 2025 economic world war. Every market plunge is an excellent buying opportunity. The market is filled with cheap assets; if you don’t have cash in hand, you might miss the chance to get rich. ...

During WWII, Britain possessed radar capable of night targeting, but they didn’t want the Germans to find out. So, they claimed that their pilots gained extraordinary night vision abilities by eating large amounts of carrots. The grand principles you encounter are basically just teaching you to eat carrots. Open-ended funds charge an annual fee of 2%, and then those brokers make people switch back and forth between different funds, adding another 3% to 4% in fees. Poor ordinary fund holders hand their money over to professionals, only to receive terrible results. I find this disgusting. When people buy your product, you should be making their assets grow. But in this country, fund managers only care about making money for themselves. This industry is ridiculous because, looking at the net returns, the entire investment management industry collectively hasn’t provided added value to all its clients’ assets. That is how this industry operates.

0401 Developer Account and Basic Setup Registering the Developer Account First, I registered a developer account. Deploying Cloudflare Then, I deployed Cloudflare. Adding Gemini Support Finally, added Gemini support. 0402 In-App Purchase Channel Integration Integrating the In-App Purchase Channel Next, I integrated the in-app purchase channel. 0403 AI Unit Refactoring Refactoring the AI Unit I refactored the entire AI unit. 0404 Market Review and Modification Submitting for Market Review Finally submitted for market review. ...

High expectations come with high anxiety. They expect to prove their excellence again through their grades, but the extreme anxiety within constantly tells them, “You aren’t trying hard enough, you aren’t good enough, you can’t do it.” The energy that should be dedicated to studying is exhausted by this internal battle and tearing, and the grades slide down like a snowball until one day, they lose the courage to even step into school. ...

Comparison between the Animal World and the Human World In the animal world, the strong devour the bodies of the weak; in the human world, the strong devour the resources of the weak. Once you fail economically, your entire life will collapse. This society is an upgraded version of the animal world. The Wolf and the Sheep Analogy Does the wolf want to eat the sheep because the sheep did something wrong? No, it’s because the wolf is hungry. The wolf ate the sheep when the sheep, after decades, grew old and became unable to move. After seeing this, the sheep happily said, “Justice may be late, but it will never be absent.” ...

There are just three primary reasons for which you should consider selling your stocks: 1. Investment Reasons No Longer Exist For example, Blockbuster was a great company for many years and was well ahead of the curve when it came to in-home DVD rentals. However, they didn’t adapt to the streaming revolution. In fact, Blockbuster turned down the chance to buy Netflix on three separate occasions. 2. Compromised Management Small lies eventually lead to bigger lies. If you begin to spot inconsistencies in the way management communicates its shortcomings or if it starts to treat everyone else like a bunch of dunces, it is likely that the management is incompetent. You’re best served by getting out quickly. ...

0325 Today’s Work Progress Completed many tasks today: Used AI to polish the main text/body. Created a landing page. Had AI write a small advertisement, and published it on the forum. Evening Insight I had a small realization this evening: even advertising is a form of creation. This is content output, not merely content consumption. People should continuously output things to society to receive what they desire. Tomorrow’s Plan Tomorrow, I should record a video. ...

The Secret to Successful Investing What is the secret to successful investing? It is to do nothing—well, not quite nothing, but our point is that to be successful, you need to limit your activity as much as possible when it comes to managing your investments. The Risks of Short-Term Trading Short-term trading involves all kinds of risks. Essentially, a trader is attempting to gauge how the market feels about a stock. Here’s an experiment for you to conduct: walk over to your partner and try to guess how they’re feeling about something. You might be able to guess what is wrong some of the time, but not all the time. This is similar to trying to predict the market’s sentiment. ...

If you don’t have the cash to pay your bills, you may be tempted to sell some of your investments before they have a chance to fully blossom. Your Rainy Day Fund Purpose: A 3-6 month reserve of living expenses in case you or your partner lose your jobs. Storage: This money should be held in readily accessible cash and not invested under any circumstances. Tuition Payments Purpose: Money needed to pay bills or your child’s tuition. Guidance: This money should not be invested in the markets. Ensure it is kept in a safe, liquid form. Down Payments Purpose: Funds for a future home purchase. Guidance: Even if you’re planning on purchasing a home several years down the road, avoid relying on the stock market to generate enough money for a down payment. Keep these funds in a stable, low-risk account.

Pre-Trade Checklist for Equity Trading I. General Principles (Must Read Before Every Trade) Goal Confirmation Does my operation serve my long-term investment goals? Am I trading impulsively due to short-term market fluctuations, emotions, or external advice? (If “Yes,” pause and calmly review the situation) Cost Consciousness Do transaction fees (commission, stamp duty, management fees) significantly impact returns? Is “friction cost” accumulating due to frequent trading? Discipline ...

Ultimately, it still comes down to that famous saying: The market is a voting machine in the short term, and a weighing machine in the long term. Speculation is a zero-sum game—my lessons in speculation The essence of reducing trading frequency Investment vs. Speculation in “Enough” Market Sentiment is Random The market is essentially like a person with average intelligence. You might occasionally guess the market’s sentiment, but to make money, you need to guess correctly twice (the buying point + the selling point). And if you guess wrong just once, you lose money. This is a very simple mathematical problem. ...

Reflection on Consumption and Demand If you analyze many consumptions closely, they are actually about enjoying the feeling of buying and owning at that moment. “Demand” is imagined. Ladies, do you really need so many shoes, so many clothes? Gentlemen, do you really need so many electronic devices? Take a close look—how many things in your home haven’t been touched in over a decade? ...

1. Basic Concepts of Rebalancing Asset Allocation: Investors set the proportions of different asset classes (such as stocks, bonds, cash, etc.) based on their risk tolerance and return objectives. Market Volatility: Market fluctuations can cause asset proportions to deviate from the target, for example, a rise in stocks might make their share in the portfolio too high. Rebalancing: Adjusting the portfolio back to the target proportions by buying and selling assets. 2. Methods of Rebalancing Time-based Rebalancing: Adjusting the portfolio at fixed time intervals (e.g., quarterly or annually). Threshold Rebalancing: Adjusting when a specific asset class deviates from the target proportion by more than a certain threshold (e.g., 5%). 3. Advantages of Rebalancing Risk Control: Prevents a single asset from becoming overly dominant, thereby reducing risk. Discipline: Avoids emotional decision-making and maintains the stability of the investment strategy. Return Optimization: May enhance long-term returns by buying low and selling high. 4. Disadvantages of Rebalancing Transaction Costs: Frequent adjustments may increase trading fees. Tax Implications: In taxable accounts, rebalancing may generate capital gains tax. Market Trends: In a unidirectional market, rebalancing may reduce returns. 5. Implementation of Rebalancing Determine Target Proportions: Setting asset allocation based on risk preference. Monitor the Portfolio: Regularly checking asset proportions. Execute Adjustments: Restoring target proportions by buying and selling assets. Summary Rebalancing is a tool that “exchanges short-term transaction costs for long-term risk control,” making it suitable for sideways or sector rotation markets, but potentially incurring opportunity costs in unidirectional trending markets. When executing, it is recommended to combine threshold rules (e.g., rebalancing after a 10% deviation) rather than operating mechanically by time. Furthermore, it is suggested to perform adjustments no more than twice a year.

To be a winner, or to avoid being a loser? Being proactive can yield greater rewards, but in the long run, it is not always beneficial. When luck is bad, one may encounter developments that are less than expected, leading to frustration. Short-term success is generally recognized, yet there is insufficient attention paid to its persistence and stability in the records. Timing the Offensive-Defensive Shift Few people (if any) have the ability to instantly adjust tactics to match market conditions, so investors should stick to one method, hoping that this method can apply to various different scenarios. ...

We should focus on finding value in observable factors—such as industries, companies, and securities—rather than basing our decisions on predictions about the relatively unknowable macro-economic world and market trends. Since the future is uncertain, we must acquire value through methods such as strong conviction, forward-looking analysis, and buying assets at lower prices when opportunities arise. We must adopt a defensive investment strategy because many outcomes could be detrimental. Crucially, the goal is to ensure survival in the market under negative scenarios, rather than guaranteeing maximum returns under positive ones. To increase the probability of success, when extreme conditions arise, we must adopt a contrarian approach: being aggressive during market downturns and cautious during market exuberance. Since outcomes are inherently highly uncertain, unless they have been rigorously tested and verified, we must view the decisions and their resulting outcomes skeptically—regardless of whether they are positive or negative.

What you need is not massive action, but massive patience. Money moves from the pockets of the impatient to the pockets of the patient. Speculation might earn huge profits once or twice, but in the long run, it is not replicable, not sustainable, and is even destined to fail. True success relies on compound interest, on daily incremental progress, and on sustainable development.

Our world undergoes cyclical changes, primarily because of human involvement. Mechanical things can develop linearly, and time can move forward continuously, allowing machines with sufficient momentum to progress constantly. However, for fields like history and economics to advance, they rely on humanity. When humans are involved, change and cyclical shifts occur. I believe the main reason is that ordinary people possess emotions—they are volatile, neither steadfast nor objective. ...

When others are pessimistic and selling, buy in; when others are euphoric and rushing to buy, sell out. All of this requires the greatest courage, but it will also provide the most substantial profits. “Buy low, sell high” is an ancient maxim, but investors who are lost in the market cycle often make the opposite move. The appropriate approach should be to adopt contrarian behavior: Buy when the crowd is averse, and sell when the crowd is enthusiastic. Market extremes of “only encountered once in a lifetime” seem to appear once every ten years. While the frequency may not be high enough for investors to make a living from it, for any investor, attempting to do so should be an important part of their trading strategy.

The desire to earn more, the fear of missing opportunities, the personality trait of comparing oneself to others, the influence of the group, and the dream of successful investment—these factors are almost universally present. Therefore, they have a profound collective influence on most investors and the market, resulting in errors that are frequent, widespread, and repeatable. Seven Mindsets Leading to Erroneous Decisions Many people possess enough talent to analyze data, but few can deeply observe things and withstand the powerful influence of the psychological aspect. In other words, many people will reach similar conclusions based on their own analysis, but due to different psychological influences, they will take drastically different actions based on those conclusions. The biggest investment bias does not come from information or analysis, but from mindset. ...