小本本

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。 ...

1 几乎所有人都有定投的资格和能力 Highlight(yellow) - Location 135 定投这个策略，包括以下几个要点：标的究竟是什么？长期究竟是多久？定期究竟是多长的间隔？每次投入至少多少金额？ ...

00.20160729 出售时间的三条铁律 ★ Highlight(blue) - Location 163 出售时间的三条铁律：成长才是根本关键，重视价值忽略估值，耐心比什么都重要。 Highlight(blue) - Location 167 所谓的个人财富自由，指的就是某个人再也用不着为了满足生活必需而出售自己的时间了。 ...

特别注重仪式感的人，是注重形式大于内容的人——这样的人比较虚荣和在意别人的看法。

人在不健康的状态，不仅严重影响生活，还会变得脆弱。很多困难平时咬咬牙扛过去了，身体不健康人的心理就很容易崩溃。年轻时没人把身体当回事，等透支出问题了，才追悔莫及。 身体有小毛病，定期体检，积极治疗。失去了健康，活着就是一种折磨。不健康，你拥有再多也意义不大。 ...

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

A Critical Problem Is Not Optional Some things can be ignored or delegated, but a critical problem can’t be. If it’s critical, people will have to deal with the problem every time it occurs. They can’t just opt out of it. Solving the problem is essential to making any kind of progress in the work. Find the critical problem where people would love to opt out, but can’t. ...

Find the critical problem where people need to do the same thing over and over again. A Critical Problem Occurs Frequently and Repeatedly The reason why critical problems are always on the minds of your customers is that the problems happen so often. Every day, every week, every month, the critical problems repeatedly occur. For your customers, it’s always the most urgent thing at that time. The issue needs to be solved there and then, every single time. If it’s not frequent, it is likely not a critical problem. If it occurs repeatedly and isn’t easily solved, it is likely to be a critical problem. ...

Find the critical problem where solving a problem takes a long time every time the problem occurs. A Critical Problem Takes up Too Much Time If a problem can be solved quickly, people either solve it the moment it appears or they set aside some time to do the work in a batch later, without feeling like it’s a waste of time. If that is the case, the problem is not really critical. Only when you need to spend considerable time and effort each time you solve the problem will it be impossible to “just” deal with it. “Doing it later” also turns into a chore, as it may take hours or days to deal with a long queue of deferred problems. A critical problem will feel like an unwelcome chore: important, yet tiresome. ...

They Have No Interest in Paying With non-critical problems, customers often find alternative ways of solving the problem because they want to save money. It’s not worthwhile for them to look for and pay for a solution that they value less than alternative solutions. They’ll be willing to pay: if the solution saves them time if the solution saves them money if the solution makes them money ...

A Critical Problem Forces People to Solve It Using Their Own System There is the joke that every SaaS is an Excel sheet transformed into business logic. The moment someone uses generic tools like word processors or spreadsheets to solve a problem, it’s an indicator that the problem is valuable enough to build tools. Most problems don’t have high complexity, and they can be solved on the spot. But a critical issue will be complicated enough to start developing a system. If your customers have a pile of Post-its or a chaotic assortment of Word and Excel files to solve a problem, you may have found a critical problem. ...