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      "body": "放大招了，来看看终极省钱大法都有哪些\n谈到创富，开源节流这个词是被高频次使用的，虽然我们都知道一个简单的道理，钱是靠赚出来，不是省出来的。可在通胀压力极端巨大的今天，勤俭节约不得不被提到议事日程上来。\n你不理财，财不理你。不要压抑自己省吃俭用，而是根据收入有计划地正确使用自己的钱，也就是“工资管理”。财务管理不单单指的是让钱躺在银行生利息，买股票，投资房地产等等。除了这些，还有一些简单有趣，可行性比较高的理财方法。下面我们就来看一些省钱大招。\n一、\t收藏\n通过收藏获得收益最秒的一点就是你会不自觉地形成一个赚钱的好习惯。藏品市场的升值过程是有一些漫长。只有通过时间推移，藏片变成稀物或孤品，价值才会大涨。短时间来看的话，搞收藏确实是个修身养性的不二选择。谁也不能断定买定离手的收藏物件在未来会不会受到文化市场的热捧。\n二、\t利用手机应用帮你省钱\n投资是需要勇气和气魄的，这是肯定的，但不一定要像电影华尔街之狼中小李子的扮演者乔丹的投资方式那么疯狂。怎样才能不用随时紧盯资本市场，研究数据起落的运行规律，让投资小白，理财菜鸟也能获得收益，跑赢通胀呢？拿起手机，下载手机应用，分分钟完事，快到让你飞起来。手机理财应用凭借低门槛的投资金额、简单的管理以及随时取用等特点，一时间迅速“抢走”年轻人手中的存款，成为无数人走向理财的第一步。 APP store 里同类理财产品则前仆后继涌现，与传统的银行理财产品形成分庭抗礼之势。选择多，零风险，方便快捷，收益高，想想谁会拒绝呢。\n三、\tP2P借贷\n所谓P2P借贷就是利用人际关系和社交机制来推广借贷，并制定出一套以社交关系为基础的信用评价体系。分散、小额投资，降低风险，门槛低、成本低，使每个人都可以成为信用的传播者和使用者，社会闲散资金可以得到更好的配置。P2P平台利用其信息收集和处理方面的能力，可以有效地筛选出具有还款能力的投资者，不仅从前端实现对风险的有效控制，还极大地降低了投资人的信息成本，为借贷双方创造价值。\n四、\t创业\n五年前，十年前，还没有优步，Snapchat,Instagram这些市值百亿的公司。许许多多像这样的公司在短短几年间不断的涌现在我们的视线中。这些公司的产品理念何其的简单，但公司的智囊团却坐拥着大数据。刚刚起步的公司当然也不必有太多的智力支持。\n现在遍地的融资平台，对于大家来说，搭上资本的顺风车，有一天也能收购Facebook。好吧，还是有点难度的。但也不是没有可能。结交一些有想法的人一起共事，是督促不断提升自己的好办法。可能初期创业还不能实现盈利，但是经验交流总能带来一些灵感，你或许就是下一个市值上亿公司的坐拥者。\n\n五、提升自己\n成为一个优秀的人，成为一个\"隔壁老王\"那样的任性牛逼占有资源的人。在商业社会崛起的窗口机会里，提升自身商业素质，实现天分技能化，技能商业化，叠加强风格和影响力制造溢价。具备了这些素质，不会发现你后桌上窜下跳插科打诨的阿强，成了段子手，当上了月入50万的广告狗。隔壁班的学渣改名叫Marinda，成了时尚博主，全球各地看秀买鞋飞啊飞。\n\n \n\n\n\n![turkey-3048299_640.jpg](https://steemitimages.com/DQmbVUhrKoCVVeNNEMohV4iP4QL4eectPahUuzRLtn6pbbw/turkey-3048299_640.jpg)",
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      "title": "我跑故我在",
      "body": "我跑故我在 跑步是唯一不辜负你的存在。 你也许工作努力没有成果，也许恋情失败。而只要跑步，不会辜负。\n\n当我在路上跑步的时候，我感觉自己就是一位圣人。\n\n\n跑者不适合从事乏味的工作，因为他的性格、本心和普通人不尽相同。对于包括跑者在内的每个人而言，平凡都是一个不好掌握的概念。一旦明确了这个概念，跑者就会听从自己的内心，成为像清教徒那样只与所有善行相关的自由者。 在这种听从的过程中，跑者并不否定自己的体质特点，而是坦然接受一切。他并没有试图征服自己的身体或者克制它、改变它，而是发挥它的优势，尽量使其更加完美。可见，跑者重视但并不压抑自己的本能，而且追寻本能。加塞特将之称为“真正的自我”。 这样的过程贯穿于我们的一生。放弃、释然、融合、剥离——并不那么一帆风顺。只有当某件事完全无法吸引你或者妨碍你正在做的事情时，你才会有选择放弃的念头。这其实也是印度圣雄甘地的原则——他建议人们在从事任何对内心有帮助或者能够带来精神安慰的事情时，尽量坚持下来。\n\n\n我也理解这个道理，无论我放弃了什么——无知放纵的性格、日常生活的压力、非比寻常的坏习惯……但这似乎都是来自内心强烈的冲动，我自然而然地就做到了，绝非自我牺牲或者责任感使然。 对于跑者而言，事情越少越好。生活本来就是一门朴素的艺术。跑者的日常需求其实极少，无非一个朋友、几件衣服、不时地改善伙食、钱包里有些零花钱。尽管是在跑步，但并不着急，他们偶尔关心一下时间，直到感觉思维和灵魂完全融为一体。我认为这种简单的生活几近完美。但在别人眼中也许完全不同，我这种脱离俗世、抛弃野心和欲望找寻内心自我的生活方式，都被误以为是缺乏关爱、不积极参与和不乐于奉献。其实这种生活方式从更广阔的角度来看，在这个世界中是不可或缺的。只有跑者的世界将会是不可能的，而没有跑者的世界则更是没有生机的。\n\n我就是我，不是别人。尼采说过：“不要把我错认成别人。”所以不要把我和一个听众、其他公民或者某个朋友混淆。并且，当我露出准备离开的眼神时，请让我离开。\n\n\n当我在路上跑步的时候，我感觉自己就是一位圣人。那一刻，我既可以是衣衫褴褛的阿西斯（Assisi）；也可以是年轻时赴伦敦求学、每天跑15～20公里，然后找家便宜餐馆吃饭的甘地；还可以是孤独地寻求与周遭世界融合的梭罗。 当我跑在路上时，“我的生活是否贫乏”、“我是否拥有纯洁的爱”、“我应该如何面对权威”等问题都不再困扰我。我虽困苦却仍有上帝可以信仰；我可以看到爱神的指引，让自己意识到纯洁的可贵；而《十诫》本就应该是社会进步的准则，是应该遵从的权威。\n\n我的贫乏，并不是指物质上的贫穷，而是指我的需求很少，一如圣徒弗朗西斯。但我与之的不同在于：越是需求得少，我就越渴望得到更多；越是想得到的少，我就越想得到更多。\n\n\n思想的“离开”是一种真正的自由。我从自己所处的位置出离到一个我的精神世界自愿归属的地方，在那里我可以思考自己的问题，创造我感兴趣的东西。“我在哪儿”以及“和谁在一起”都不再重要。我觉得这世界上最令人反感的事情就是，不管别人是否接受就噼里啪啦地说个没完没了。而一旦走神，这些就都不能困扰我。就像叶芝所说的：“我就是一个在墙角里摆弄积木的孩子。” 不过，这样也能让我免于在大家面前出丑：和别人说话时，我不是口若悬河，就是沉默寡言；不是没说到点子上，就是说了不该说的话，闹出了笑话，或者和别人产生隔阂。如果我写一篇600字的文章都要耗费10个小时，那我又怎么可能不假思索地出口成章呢？ 我的祖辈也都是我这种类型，类似索伦•奥贝•克尔凯郭尔（Soren Aabye Kierkegaard）、爱默生和罗素那样的哲人。他们自小就觉得自己与众不同，而且感觉自己生活不那么幸福。拉塞尔就曾经说过：“我是一个害羞、爱独处的傲慢的人。”爱默生也这样形容自己：“心胸狭隘、自私、警惕性高，而且冷酷无情。”克尔凯郭尔更是说过类似的话：“思考是我唯一的乐趣，人类根本不能引起我的兴趣。”",
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      "title": "思考致富",
      "body": "思考致富\n（一）关于想法：\n\n人要想获得成功，只需要有一个合理的想法就足够。\n\n成功只会降临在那些具有成功意念的人身上。失败降临到那些听任自己拥有失败意念却无动于衷的人身上。\n\n知道自己想要什么，并且决心不惜代价支持这个愿望，直到将其变成现实。\n\n不要停止尝试，直到取得成功，不要考虑花多长时间。”\n\n在得以积攒巨额资财之前，我们必须用渴求财富的炽热欲望，来磁化自己的头脑；必须具备“金钱意识”，直到对金钱的欲望驱使我们为获得金钱设计明确的计划。\n\n（二）关于公司：\n\n一个公司的成功首先要以客户开发为核心。当你根本不知道你的客户在哪里、客户需求是什么时，根本谈不上往后怎么走。\n\n创立公司的根本目的是为股东创造价值，要生存、赚钱、发展。当一条路走不通了，一个项目大势已去，应该果断放弃，积极寻找新的路径。\n\n\n（三）关于人生\n\n生命的圆满绝不能依靠任何人，只能靠自己。 每天早晨醒来时，把生活看作是一场精彩的冒险。\n\n如果你跟大多数人一样，那么在生命中的某个时期，也许会对自己的人生方向有种混淆不清的感觉，不知道自己要走向何处。我也经历过这样的时期。 \n\n但是，我发现，只要我开始往某个方向追寻，不论是什么方向，只要我走进那扇打开的门，机会就会自然出现在我眼前。 \n\n当一扇门在你面前打开时，你有没有能力辨识出这道门，跟你的态度绝对有关。\n\n\n这样的信心让你不再挣扎，相信这种平静的感觉就是一种信号，表示你走对了路。\n你想起今天可能面对的困难与阻碍，或是今天的生活可能跟预期完全不一样之前，花一点时间对自己重复这句话：“今天，我会珍惜这趟旅程。”\n\n\n（四）关于未来\n\n我承认有时候早晨醒来，会觉得生活很艰难，好像要蹒跚走过沼泽地，两边都是有毒的橡树，而不是自由地跃进一片长满野花的草地，让风吹过发际。\n\n但就是在这些沉重的日子里，我们才更要记得珍惜这趟旅程。 \n\n每一次去度假时，最好能提醒自己，至少会有一件事出错，但是我们要拒绝让这件事毁了这段美好的时光。\n\n我们也要拥抱这样的精神，把每一天看作是一个新的开始，在每一刻中展开冒险（不过我承认，有些冒险我们不会想再来第二次）。 \n\n有一次，我坐在加利福尼亚大学伯克利分校的一间咖啡屋里沉思冥想。有好几分钟，我看着人们走过眼前。\n\n每个人都显得特立独行，就像伯克利的风格一样。\n\n我想：在这世上有这么多不同的人，不同的体形与肤色，是多么伟大的事呀！我清楚地意识到每一个经过的人都有自己独特的故事要说，包含过去、现在与未来。\n\n生命是一个过程，而非终点。\n\n它不像是你到达的某个地方，一切都很完美。\n\n相反，喜悦就在这趟旅程当中。你的旅程是一天一天、时时刻刻在进行的，你用什么样的态度来前进，就会在路上得到什么样的收获。\n\n问题是，你是预期着生命总有一天会变成某个样子，或是就随着当下的一切欢度生命？\n\n你的回答将决定你的人生会是一场冒险，还是停滞不前，直到有进一步指示才有所改变。 \n\n\n\n\n![CountryRoadsUmbriaTuscany_Tuscany_Hero01.jpg](https://steemitimages.com/DQmTeSqQpQp4LGcwK4JKhWRaoh943R1pDEbNqNPV27pWjDo/CountryRoadsUmbriaTuscany_Tuscany_Hero01.jpg)![Assisi.jpg](https://steemitimages.com/DQmU5jAdxwuVZhzw9jpyzt1YPWErpwjAmhGnf8KcjxxqKbz/Assisi.jpg)",
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      "title": "我是怎么减肥的？",
      "body": "通往积累金钱和财富并非没有捷径。百万富翁有诸多特征，中国有6万个亿万富翁，平均年龄37岁，95%白手起家。10年后，中国的亿万富翁将超过30万人，其中有你吗？财物自由的捷径对于那些想在年轻时候就致富的人有着不可抗拒的力量。\n\n林特特在《以自己喜欢的方式过一生》中有名言：“你日渐平庸，甘于平庸，将继续平庸。”每一个人都可以致富，提前几十年退休，悠闲度日，过上有品质的生活。但不幸的事大多数人都像齿轮一样精密的和世界咬合被动前进，活在别人给你设置的人生轨道中。一不小心就糊里糊涂的虚度此生，在归于平庸道路上虚度此生。\n\n\n\n【你一直认为含辛茹苦同往成功的道路是对的吗？】\n\n努力上学变学霸，获得高分考大学，找一份好的工作，每月存款10%的工资，学会买股票，按时缴纳社保等待发放养老金，按时还款信用卡，攒够足够的优惠券，长期以往，总有一天，等你65岁了，你会攒够足够的钱，那时你称得上足够富有。\n\n\n【打工永远赚不到100万！】\n\n举例，正常学生22岁毕业，距离30岁只有8年光景，即使你在一线城市北京上海（在二三线城市更少）如果你月薪1万，在上海月薪1万基本是月光，还能不吃不喝不租房子？不谈恋爱不逛街不买衣服？\n\n即使你过得非常简朴，不旅游，做兼职，30岁打工赚到20万已经是大限了。\n\n\n【打一辈子工才是最大的风险】\n\n有些人说，创业有风险，可是呢？打一辈子的工才有风险，你随时会被解职！打工事实上是用自己的时间给别人构筑梦想，而且，如果创业失败，通过多年的积攒，人脉，经验，耐性以及任性，创业者还可以回去面对一份更好的工作！\n\n\n【中国，打工的风险更大】\n\n本人亲身体验，在中国，打工的风险远远高过欧美。欧美社会，创业未必是一个很好的人生选择。在欧美，大学最好的专业是律师和医生。社会最好的职业也是律师和医生。由于社会成熟而稳定，经济体系已经完善，保险体系和社保体系的完善，对创业者的空间并不是特别大，很少有人愿意放弃稳定的。\n而在中国，由于人口众多，各个行业都不够健全，社会发展迅速，到处都充满着各式各样的机会。很多老外来到上海都会觉得这是个超级刺激的城市\n而社会保障不足，大部分人的打工回报很低；用人制度不健全，劳动者一旦收到侵害，也求助无门。\n\n\n【怎样通向财务自由】\n只要能潜心钻研一个行业，终究会成功。创业并不是一定要高科技，创业也未必需要投资大笔金钱。对于创业者来说，勇敢，智慧，辛勤，激情才是真正的资源和优势。当你激情消退的时候，再多的钱，再多的资金，再多的经验，再多的人际关系，都无法促使你的企业创办成功。\n\n在全民创业的时代，有很多人想要通过创业的方法来改变现状，来发财致富，可是在创业过程中会遇到很多意想不到的问题，这些问题可能导致创业之路无法再走下去，作为一名创业者，每天都要经历重重考验，备受折磨，面对压力，很多创业者都在失败中选择放弃。人们往往说创业这事注定是孤独的，因为以往的创业往往是要解决一个在细分市场中少有人触及的一个市场痛点，既然是少有人触及，就需要创业者和团队凭一己之力摸索和寻找，忙了这头，顾不了那头这是最痛苦的时候，也是最艰难的时候。如今的创业者，光靠自身的力量往上走，一定是件非常难的事情，创业初期，资金紧张，资源有限，不容犯错。简言之就是试错成本非常的高，一旦走错一步，你就会和你的伟大梦想一起坠入谷底。这时如果一位导师能给创业指明一个方向或者推荐创业者需要拜访的专家，风险就大大减小了。闭门造车，可能“车”已经不适合时下的市场需求，甚至有些Idea在现实环境下毫无“生还”的可能，你还在那边埋头苦干，就太犯不着了，这种情况正应了那句古诗，“可怜无定河边骨，犹是春闺梦里人”。 \n![1st-Prize-Winner-category-Travel-Basilica-of-Saint-Francis-of-Assisi-Umbria-Italy-by-fcatutto.jpg](https://steemitimages.com/DQmVQ2NkkknL1i5qZe1xZfWzz2YTgBc548Znivarz7hqscN/1st-Prize-Winner-category-Travel-Basilica-of-Saint-Francis-of-Assisi-Umbria-Italy-by-fcatutto.jpg)",
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