MBA

最近读了 《Enough_ True Measures of Money, Business, and Life》 by John C. Bogle ，让我对市场的本质有了更深刻的理解。与其说是技术分析和频繁交易，不如说是对企业价值的长期坚守。我想把这些思考整理一下，方便日后回顾，也希望能给正在投资路上探索的朋友一些启发。 ...

人们讨厌听到坏消息 或任何与他们现有的观点和结论不一致的内容。因此，如果某些事情可能令人痛苦，人类的大脑就会开始行动，设法否认现实。心理学家丹尼尔·卡尼曼是诺贝尔奖获得者，他认为：“（人们甚至不想投入）最少的精力去设法切实搞清楚他们做错了什么，此事并非偶然，而是因为他们就是不想知道。” ...

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. ...

A few weeks into teaching on a full-time schedule, she noticed things that started as nuisances but quickly became painful problems. The teaching part of her job was great and fun, but certain formalities took way too much additional time.

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. There was a sizeable market with an apparent, shared, and critical problem. The problem was solvable, but no one had yet built anything to make it noticeably easier. ...

So, we released it to the public, built a landing page, and waited. Nothing happened. One or two people signed up for the free trial, but there was not much else. We hadn’t done any marketing, and we hadn’t made any sales. The service just sat there, idling.

And then, one day, everything changed. In a comment to a Facebook post about how teachers dealt with feedback, Danielle dropped the link to our product with an explanation of how she used it. Teachers started to respond, asking for more details, they checked out the program, and came back to share their newly found discovery on social media.

For many of our customers, teaching from home was a side hustle. Using our product enabled many of them to turn this into a full-time source of income. We priced our service to be affordable and easily justified. We even increased our prices by 50% a year into running the business, and it continued growing nevertheless.

that fueled the growth of our business from its first few users to thousands of customers a couple of months later. It was surreal, but we had tapped into a highly active tribe. Once we understood that, we didn’t need to do much when it came to marketing our product: our users would do most of that for us.

Tech founders—and I count myself as one—focus on products because that is what we use to solve our problems. After all, when you run into a challenging task, what do you look for first? An in-depth scientific explanation for the epistemological essence of the task? Or a tool that will do the job for you seconds after you install it? ...

In the Preparation Stage, the focus will be on finding an audience, their biggest problem, and a solution that solves that problem in a way to make people pay for it. You will find out how to price your product initially and start selling.

Tech founders—and I count myself as one—focus on products because that is what we use to solve our problems. After all, when you run into a challenging task, what do you look for first? An in-depth scientific explanation for the epistemological essence of the task? Or a tool that will do the job for you seconds after you install it? ...

Many successful bootstrapped businesses start with an audience, a specific niche. They find their customers’ critical problems and provide valuable solutions that people gladly pay for. Their product is centered around continuously providing value to new and existing customers. Audience, problem, solution, and product can be looked at individually.

Successful businesses are built by solving critical problems for an audience that will pay for a solution to their issues. The Preparation Stage is when you make these foundational choices. Once in motion, a business has certain inertia that makes these decisions hard to change. Even though pivoting your business into new markets is sometimes the right choice, it’s extra effort. That’s why it’s a good idea to spend considerable time on getting it right in the first place. ...

A business would be nothing without customers. You can have the best product in the world, but you won’t be able to build any meaningful business if there is no one to pay for what you offer. Who am I helping? You will discover how to find the perfect niche and make sure it can support your business in Step One: Your Audience. Why do they need help? Learn how to find and validate their critical problem in Step Two: Their Problem. How can I help them with that? Find a good solution and make sure it fits into your prospective customers’ workflow in Step Three: Your Solution. What can I create to help them that way? You’ll learn how to create an easy-to-maintain and reliable product in Step Four: Your Product. ...

where do you find those paying customers? The first step to building a business is answering that question, and for bootstrapped founders, there is one critical component: finding the perfect niche.

1. Creates and delivers something of value . . 2. That other people want or need . . . 3. At a price they’re willing to pay . . . 4. In a way that satisfies the customer’s needs and expectations . . . 5. So that the business brings in enough profit to make it worthwhile for the owners to continue operation. ...

Every successful business creates something of value. The world is full of opportunities to make other people’s lives better in some way, and your job as a businessperson is to identify things that people don’t have enough of, then find a way to provide them.

The less you want something, the less you’re thinking about it, the less you’re obsessing over it, the more you’re going to do it in a natural way. The more you’re going to do it for yourself. You’re going to do it in a way you’re good at, and you’re going to stick with it. The people around you will see the quality of your work is higher. ...

If someone can train other people how to do something, then they can replace you. If they can replace you, then they don’t have to pay you a lot. You want to know how to do something other people don’t know how to do at the time period when those skills are in demand.