1. Little knowledge or stories about financial investment
This is the story that I remember the most, and it directly touches human nature.
A man set up a trap for catching turkeys. He scattered corn inside and outside a large box. The big box had a door with a rope tied to it. He held on to the other end of the rope. One end is hidden in one place, and as long as he waits until the turkey enters the box, he will pull the rope and close the door. One day, 12 turkeys entered the box, and one of them accidentally slipped out. He wanted to wait until there were 12 turkeys in the box, then close the door. However, while he was waiting for the 12th turkey, another turkey came out. Two turkeys ran out. He wanted to wait until there were 11 more turkeys in the box before pulling the rope, but while he was waiting, three more turkeys slipped out. Finally, one turkey was also in the box. Nothing left.
Investors often don’t understand the importance of stopping losses as soon as possible. When the situation begins to deteriorate, they still cling to vague ideas and are unable to objectively analyze the situation. With a gambler’s mentality, they blindly stick to it and continue to fall into the trap. , until the point of no return. At this time, a balanced mentality is often more important than sophisticated analysis.
For longer suggestions, read "Memoirs of a Great Stock Operator", "Stocks Are Not Returning" and "Speculating in Futures"
2. Little knowledge or stories about financial investment
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The story of two sesame biscuits is said to be in a place in city a, there are two people selling sesame biscuits, there are only two people, let's call them sesame biscuits A and sesame biscuits B.
Assume that the price at which they sell sesame cakes is not regulated by the Price Bureau. Assume that the residents of City A are not hungry (there is no use value except for transactions). Assume that they can break even by selling each sesame seed cake for one yuan, and no one can make sesame seed cakes cheaper than them in the short term.
(Including the value of their labor force) Assume that they have the same number of biscuits. (Economic models are like this, assuming a lot is needed, haha.)
Let’s also assume that their business is very bad, and there is not a single person buying sesame seed cakes. They stood like this for a long time, bored.
A said it was boring. B said it was boring.
Those who read the story will say: It’s so boring. The sesame cake market at this time is said to be very inactive! In order to prevent everyone from being bored, A said to B: How about we play a game? B agrees.
So, the story begins... A spends one yuan to buy B a sesame seed cake, and B also spends one yuan to buy A a sesame seed cake, and pays it in cash. A spends another two yuan to buy B a sesame seed cake, and B also spends two yuan to buy A a sesame seed cake, and pays in cash.
A then spends three yuan to buy B a sesame seed cake, and B also spends three yuan to buy A a sesame seed cake, and pays in cash. ... So in the eyes of everyone in the market (including you who are reading the story), the price of sesame cakes has skyrocketed (a bit like the food market situation before the Spring Festival this year, but we have to buy it!) After a while, it rose to 60 per sesame cake. Yuan.
But as long as A and B have the same number of biscuits, then no one makes money and no one loses money, but their assets "appreciate" after revaluation! A and B have "wealth" many times higher than in the past. Their worth has increased a lot, and their "market value" has increased a lot. At this time, there was passerby C. When he passed by one hour ago, he knew that the sesame cakes were one yuan each, but now he found out that they were 60 yuan each. He was surprised.
An hour later, passerby C found that the sesame cakes were already 100 yuan each, and he was even more surprised. An hour later, passerby C found that the price of sesame cakes was already 120 yuan. He bought one without hesitation, because he was an investor and speculator. He was sure that the price of sesame cakes would continue to rise, and there was still room for price increase, and there were people (Researcher) gave a "target price" of more than 200 yuan.
At this time, the city lord of City A came and proposed to regulate the sesame biscuit market and established a sesame biscuit exchange. Transactions not carried out in the sesame biscuit exchange were illegal. It also stipulates that each sesame seed transaction must pay a 0.4% transaction fee and a 0.4% xx tax.
Under the demonstration effect of Shaobing A and Shaobing B "making money", and even the demonstration effect of passerby C making money, more and more passers-by bought sesame seed cakes, and more and more people participated in the transaction. As the price increased, everyone was very happy, especially the city lord of City A and the staff of the Shaobing Exchange. They made a large amount of income out of thin air, so the job of the Shaobing Exchange became an enviable one. In addition to high wages, the job also comes with generous benefits. It's really a win-win situation.
Because it’s strange: no one lost money (a bit contrary to the zero-sum principle of economics, hehe). ... At this time, you can imagine that in addition to the city lord of city a and the sesame seed exchange actually making money, whoever has less sesame seed cakes in the market, A or B, that is, whoever has less assets, really makes money.
Among the people who participate in the purchase, whoever has no sesame seed cakes in hand will really make money! But everyone who sold it regretted it - because the price of sesame cakes was still rising rapidly... So who lost money? The answer is: So far, no one has lost money, because many people who paid high prices to buy sesame seeds hold in their hands a recognized high-quality asset of equal value - sesame biscuits! And sesame seed cakes are obviously better than cash! How much interest can you earn by depositing cash in the bank? How can it compare to the soaring price of sesame cakes? Everyone even agrees that the supply of sesame biscuits in the market exceeds demand. Can I buy sesame biscuits futures? So the warrant to subscribe for sesame seeds appeared... Someone asked: Will you never lose money buying sesame seeds? It seems so. We can't help but ask: On which day will everyone lose money? Hypothesis 1: A price department comes to the market, and he believes that the price of sesame cakes should be one yuan each. (Supervision) Assumption 2: There are many people making sesame cakes in the market, and the price is one yuan each.
(Same theme) Hypothesis 3: There are many biscuits available for playing this kind of game in the market. (Release) Hypothesis 4: Everyone suddenly discovered that this is just a sesame seed cake! (Value Discovery) Assumption 5: No one is willing to play the game of buying and selling anymore! (The truth comes out) If one day, any hypothesis appears, then on that day, those who have sesame seeds will lose money! So who made the money? In addition to the real money made by the city lord of City A and the sesame biscuit exchange, the person who sells the sesame biscuits first and possesses the least assets is the one who makes money.
Editor’s Note: This story about selling sesame seeds is very simple. Everyone thinks that people who buy sesame seeds at high prices are fools, but let’s look back at the people in the securities market where we are. Isn’t this true of some of the so-called asset revaluations and asset injections in this market? When ROE is high and assets have high premiums, the principle of asset injection is the same as selling sesame seeds. Whoever holds the least assets is the one who makes money and whoever gets high returns! Therefore, as an investor, you should look at asset revaluation and asset injection rationally, and don’t fool others, especially don’t fool yourself with your own money! When it comes to asset injections with high ROE, especially asset injections such as backdoor listings of securities firms, additional issuance to purchase the assets of major shareholders, additional issuance of real estate, etc., one must keep one's eyes open again and again, and be more cautious! Because, you are likely to become a passerby holding high-priced sesame seeds.
3. What are some tips on financial management in 2018?
Hello, you should choose Zhongnan Cinda Financial in 2018. It has no negative information. As far as I know, Zhongnan Cinda Financial is now There are a lot of people using it, it does pretty well, it has short, medium and long-term products, and it does guarantee principal and interest. And it is up to the bank to judge whether there is transaction authenticity in the management of the capital account.
To be honest, financial management itself has certain risks. There is nothing that can only make money without losing money, otherwise everyone would invest. , but generally there will be no problem with the principal, but the income will fluctuate. The relative risk of high income is high, and the relative risk of low income is low. However, you still need to carefully understand the investment risks related to financial products and fully consider your own risk tolerance. capabilities, and a security card is set up.
The Internet once grew wildly and was a mixed bag of good and bad. This requires us, the investing public, to carefully screen and screen: liquidity, rate of return, degree of regulation, risk control level, etc.
4. Financial knowledge
Finance is the general term for currency circulation and credit activities and economic activities related to them. Finance in a broad sense refers to everything related to the issuance of credit currency, Custody, exchange, settlement, and financing related economic activities, even including the purchase and sale of gold and silver. Finance in the narrow sense refers specifically to the financing of credit currency.
The content of finance can be summarized as the issuance and withdrawal of currency, the absorption and payment of deposits, the issuance and recovery of loans, the sale and purchase of gold, silver and foreign exchange, the issuance and transfer of securities, insurance, trusts, Domestic and international currency settlement, etc. Institutions engaged in financial activities mainly include banks, trust investment companies, insurance companies, securities companies, investment funds, as well as credit unions, finance companies, financial asset management companies, postal savings institutions, financial leasing companies, and securities, gold and silver, and foreign exchange transactions. Wait.
Finance is an economic category formed after the emergence of credit money. It and credit are two different concepts: (1) Finance does not include physical lending but specifically refers to the financing of monetary funds (narrow sense finance). In addition to raising funds through borrowing currency, it also raises funds by issuing stocks. (2) Credit refers to the lending of all currencies, and finance (in a narrow sense) specifically refers to the financing of credit currencies. The reason why people want to create a new concept besides "credit" to specifically refer to the financing of credit money is to summarize a new economic phenomenon; the two economic processes of credit and currency circulation have been closely integrated. The most characteristic feature of finance is bank credit, which can create and reduce money. Bank credit is considered to be the core of finance.
5. Interesting facts
Interesting facts about physics” - the changing “weight” of objects. After learning relevant physics knowledge, students may know that the weight of an object itself is not What remains unchanged is that sometimes it is "weightless" and sometimes it is "overweight".
What exactly causes the weight of an object to change? Don’t worry, let’s take a look at the following story first: Once upon a time, there was such an incident: a businessman purchased 5,000 tons of herring from Dutch fishermen, loaded it on a boat, and transported it from a city in the Netherlands to an African city near the equator—Maka. to the harbor. When we got there, we weighed the fish and found that the herring was missing by nearly 19 tons.
Weird! Where did it go? Stealing was impossible because the ship never docked along the way. At that time, no one could reveal this secret. Now we finally know the reason: it turns out that this is a joke played on us by the earth's gravity.
Because the Earth is slightly elliptical, the radius of its North Pole and South Pole is 20 kilometers smaller than the radius of the Equator. The smaller the radius, the greater the attraction and vice versa.
Therefore, when the five thousand tons of herring in the Netherlands are transported closer to the equator, the weight of the herring naturally becomes "lighter". In addition, there are many changes in the weight of objects! For example, on high mountains, it is lighter than on flat ground; on the equator, it is lighter than at the poles; in water, it is much lighter than on land, etc.
It is conceivable that if you fly to a high-altitude area where the earth's gravity cannot reach it, there will be no weight at all because the earth's attraction there is very small. However, no matter how it changes, the mass of the object will not change! How about it, now everyone understands the truth! In fact, there are many similar problems around us. As long as we can discover them in time and combine them with theory, we can find the correct answers.
I believe that when you encounter similar problems in the future, don’t be “helpless”! Fun Facts About Cats Cats have 230 bones. Cats' hearing is more sensitive than that of humans and dogs.
Relative to body size, cats have larger eyes than any mammal. A normal pulse rate for cats is approximately 110 to 170 beats per minute.
The normal body temperature of cats is about 39 degrees. A cat's vertical jump height can reach 5 times its own body height.
Cats’ nose prints are unique, and no two cats have the same nose prints. Cats respond better to women than men because women's voices have a higher frequency than men's.
The running speed of domestic cats is about 55 to 60 kilometers per hour. Cats are the sleepiest mammals, sleeping approximately 16 hours a day.
Interesting Bird Facts: Which bird is difficult for people to detect? When you pass a tree with a woodcock in the forest, you may not notice that there is a woodcock on the tree. The woodcock is not a small bird, but a big bird, but it has a beautiful body. Its feathers look like fallen leaves in autumn, and its pretense of being motionless makes it difficult for people to notice. The woodcock stands in the tree and pays attention to its surroundings at all times. Even if there is a little movement behind it, it can immediately detect it.
This is because its eyes are located at the back of its head, so no enemy can escape its sight. Of course, few insects are immune to its prey.
Where do grouse live? Grouse lives in the cold plains of the northern and southern hemispheres and is one of the few birds in the cold zone. In winter, the bird roosts in pine or fir trees.
In order to withstand the cold climate, it must eat a lot of needles to produce energy. Near the poles, the days are short and the nights are long in winter, so grouse spend nearly the entire day feeding.
When spring comes, grouse begin their courtship activities. It is usually the female bird that chooses the male bird, and they must win the competition to get the favor of the female bird.
Can parrots chat with each other? "Baby wake up!" Some parrots can talk, but they don't really talk. The owner of the parrots patiently taught them some simple words. Although they could read them, they had no idea what they meant.
Animals can talk to each other in their own way, not in words we understand. Their calls may mean: "I'm scared"; "Please touch me"; "I found food" or "Danger! Run away!" Color, movement and smell can also be used as communication tools between animals.
Hunters can imitate their calls, smells, etc. and set up traps to trap them. Penguins can't build nests? Penguins actually don't build nests.
While the mother penguin is looking for food in the sea, the father penguin is on land, placing the egg between his feet, covering it with his fat belly, and standing to incubate the egg. Penguins incubate their eggs in the same place every year. They use their beaks and flap their wings to deal with possible invading enemies and protect their offspring.
Newly born little penguins will look for food in their parents’ mouths. Penguins feed on fish, shrimp and shells.
In the summer when food is plentiful, they spend all their time replenishing their nutrition and can usually dive hundreds of meters deep into the sea to find food. Can penguins fly? Penguins are very strange animals, inflexible but very cute.
Their feet are like wearing the same trouser leg, making it very difficult to walk. In order to maintain balance, penguins always open their shrunken wings.
Although they cannot fly, they are still birds. Their heavy clothes are covered with very dense small feathers, which are full of oil.
The penguin flaps its wings and moves forward in the water, as if it is equipped with an engine and is very agile. Penguins are lively and like diving and playing in the water.
When escaping from natural enemies, they often emerge from the water and can glide more than 1 meter in the air. Which bird's nest is the most beautiful? There are many types of birds flying in the sky, and each type of bird builds a different nest.
Hummingbirds have nests smaller than spoons, and some eagles have nests larger than cars. Birds use down, twigs, saliva, or spider webs as nest materials.
Some of the shapes of bird's nests are like bowls, some are like balls; some are suspended like cradle, and some are floating on the water like rafts. There is a weaver bird in Africa whose nest The building is very complex. Some birds also paint their nests with colors to attract the attention of females.
There are many kinds of bird's nests in the world. As for which one is the most beautiful, it is up to you to choose! How do birds fly long distances? When birds travel long distances, they fly in flocks for several days. For example, terns fly a distance of about 20,000 kilometers from the North Pole to the South Pole in this way.
The long-distance flight of birds is actually very difficult. in flight.
6. Think of an innovative segment for the financial knowledge contest, which can be combined with a question and answer program watched on TV
In this segment, the host will play a video about banking business , the contestants find out the irregularities in the banking business acceptance process based on the video content, and write them on paper. A correct answer adds 2 points, a wrong answer deducts 2 points. The results of the two competitions of each group will be added up, and the overall ranking will be carried out. The top six groups will be selected to enter the finals. Finals The finals will be held in a moot court and will be divided into six categories. After the competition in all events, the scores are added up and the teams are ranked according to the total score to determine the overall champion. The process of the final competition is as follows: 1. You say, I guess. This session requires two contestants from each group to participate. Within 90 seconds, one person will make gestures and the other will guess. They will describe the financial terms that appear on the screen. One point will be awarded for each correct guess. No points will be deducted for mistakes. Requirements: One person has their back to the screen, and the other person can use body movements and words to describe.
Blindfolded Money Counting Contest This session requires one player from each group to participate, and six groups of players compete at the same time. Each team sends one member to participate in a blindfolded single-finger money counting competition (the banknotes need to be tied). The staff prepares eight banknote counting coupons and waist strips with varying amounts but the difference does not exceed five. . Players from each team randomly select one of the banknotes to compete. When the host announces the start, the staff starts timing and the players start counting money. After counting the money, the player raised his hand to signal to the staff, who stopped timing. During the game, music will be played for double interference to increase the difficulty. After the game, the players report the number of banknotes in their hands, and the correct number will be printed on the big screen. If there is an error, the result will be cancelled. The number of cards is correct, and the ranking is based on time. The first place will receive ten points, the second place will receive eight points, and so on. The fifth place will receive two points, and the sixth place will receive one point. When the timer starts, the players start counting money. After counting the money, the player raised his hand to signal to the staff, who stopped timing. During the game, music will be played for double interference to increase the difficulty. After the game, the players report the number of banknotes in their hands, and the correct number will be printed on the big screen. If there is an error, the result will be cancelled. The number of cards is correct, and the ranking is based on time. The first place will receive ten points, the second place will receive eight points, and so on. The fifth place will receive two points, and the sixth place will receive one point.
Summons Summoning This link requires each group to select one player to participate, and six groups of players compete at the same time. Staff *** prepare 8 envelopes, each containing 50 subpoenas (staff must know the total amount of data in each subpoena). Players from each team randomly select one of the summonses to compete. When the host announces the start, the staff starts timing and the players start adding up using calculators. After the player completes the addition, he raises his hand to signal to the staff, who stops timing. After the game, the players report the final total of the summonses in their hands, and the correct total will be printed on the big screen. If there is an error, the result will be cancelled. If the total amount is correct and ranked according to time, ten points will be added to the first place, eight points to the second place, and so on, two points to the fifth place, and one point to the sixth place.
7.5 hours of familiarity with financial knowledge
1 As a graduate of the University of Finance and Economics, I have accumulated a certain amount of experience. I think the stock market and spot market deserve everyone's attention. Whether it is for understanding or investment, it will have certain benefits for your future foothold in the investment market, or for your study of spot goods and personal financial management.
(If you think the above is deceptive, you don’t need to read the following, but I sincerely ask those who are interested in learning investment and financial management to continue) 2 Spot analysis is not that complicated. Spot analysis only needs to look at the K-line Moving average chart. Buy up when the trend is up, sell short when the trend is down, and benefit from both sides. There is no international influence, no market influence, no multiple market makers competing for shares, no old market makers, etc.
If you have excellent technical skills, then maybe you can make your own profits in this industry. In other words, spot analysis should be more concise and clear, and is more suitable for technical analysts. 3. The current stock market is very unstable, the policies are not good, and there are many negatives.
Not very conducive to stock trading.
As for funds and fixed investments, the same is true. Due to the impact of the market, it is impossible to complete the eggs under a crowd, so it is not recommended at the moment.
4. I personally recommend investing in spot silver, which is the country’s own products and its own investment, and is not affected by any foreign investment. Moreover, the volatility is stable, with an upper and lower limit of 7%, which is smaller than the 10% of stocks. It is a good choice, and you can also go short and make two-way orders. Of course, the choice of varieties must be good, with high popularity, large transactions, and market trends. Okay, that will make a lot of money.
5(1) Stocks: Advantages: T+1 trading, market capitalization (unless the listed company goes bankrupt), suitable for single lines, 100% margin quilt can be used to wait, suitable for mid-line people Disadvantages: cannot enter the market on the same day , has been severely laundered and consolidated, limiting the effective use of funds; it can only go up but not down, limiting the trading direction, with a price limit of 10%. Medium risk recommendation (2) Spot: Advantages: T+0 trading, two-way trading , you can do both ups and downs, you can enter the market on the same day, there is no limit on the number of transactions on the same day, 20% margin system, 7% rise and fall limit, strong risk controllability. Recommended disadvantages: hidden, fewer people know about stocks, (investment value is greater than stocks Personally think), not suitable for large funds (of course, experienced people do not have this problem, because they can hedge) (3) Futures: Advantages: T+0 trading, two-way trading, both up and down can be done, there is no limit to the number of times you can enter and exit the market on the same day, 1 %-5% margin, capital amplification Disadvantages: Weak risk controllability, games played with large funds, not suitable for small and medium-sized funds (my friend earns 70,000 a day and loses 1 million a week), not recommended. 6 The spot market is in a hidden area of ??the financial investment market. In foreign countries, there are spot products first and then futures. However, due to various reasons such as the development of market economy, China is exactly the opposite of foreign countries. There are futures first and then spot products. Therefore, the spot industry in China is A very special investment industry.
The prospect of this industry is very strong. Gold cannot be priced in China, crude oil cannot be priced, and futures cannot be priced. However, the Ministry of Commerce of China strives to achieve independent price pricing in the spot industry. This background has caused spot prices to continue to rise in the past 10 years. develop. As a student at the University of Finance and Economics, I believe that we should be able to understand how powerful the background of independent pricing can be. One of the major manifestations of a stronger economy is the ability to achieve self-pricing.
However, the development of the spot industry is not smooth sailing. It is a slow and step-by-step process that has gone through many baptisms. Therefore, people do not know much about it, less than stocks and less than futures. However, sooner or later, such an industry will develop and grow in China and become a major leader in the investment field.
The subject matter of investment products in the spot industry is real, and most of them are agricultural products, such as indium, silver, coal, silicon, etc., which are all products we are very familiar with. For this reason, we can understand the market price to a great extent, which is of great benefit to our investment.
Spot technical support, spot analysis is the same as stocks, mainly in two aspects, the actual market price is called basic analysis, and the second is the investment market price is called K-line analysis. I believe everyone who has stock knowledge Know K-line analysis. Why do you support the spot market? Fundamentally speaking, the first is the strength and prospects of the industry, the second is the use of funds (3W can be deposited), which means it is suitable for small and medium-sized funds, the third is that you can enter and exit the market unlimited times on the same day to earn the price difference, and the fourth is that you can trade down. , buy when it rises and make money, sell short when it falls or pull back and make money, which is the two-way trading system mentioned above.
7 The investment market has risks as well as profits. It is for this reason that it attracts different groups of people. To make a good investment, you must have solid basic skills.
Regarding stocks, combined with my personal experience over the past few years, the first things that must be paid attention to are: Internal factors (1) The market point, the trend of PetroChina and Sinopec (2) The selected stock industry, sector, and country What is the policy? (3) Market value of the stock, size of the circulation market, whether the stock is active (4) Market maker's shareholdings, early consolidation, and consolidation (5) K-line chart, moving average chart, entry point, stop loss point, External factors of the profit stop point (1) International financial trends (2) US stock market trends The above points are some basics. Of course, there are many more details. Friends who need to communicate are welcome to discuss and discuss together. If you are doing stocks, if you can combine these, you can better control risks and earn profits.
Similarly, the same goes for spot goods. However, spot analysis is not that complicated. Spot analysis only needs to look at the K-line chart and the moving average chart.
Buy on the upward trend, sell short on the downward trend, benefit from both sides, no international influence, no market influence, no multiple market makers competing for shares, no old market makers, etc. If you have excellent technical skills, then maybe you can make your own profits in this industry.
In other words, spot analysis should be more concise and clear, and is more suitable for technical analysts. Finally, friends, please remember that investing in the market is risky, so investing is risky and you need to be cautious when entering the market. This cannot be overstated.
When you feel that the stock is too slow and too volatile, or you have a good position in the spot market, you can enter and exit the market every day and celebrate your profits every day. When you count the books at the end of the day, you may be When you are proud of your progress.