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Wednesday, 11 September 2019

何谓财务教育(3):学习金钱的语言


声明:本文是我看了Robert Kiyosaki的著作<<Why The Rich Are Getting Richer>>后有所启发而写下的。


今天我们继续谈谈真正的财务教育所应有的要素。

之前我提到过的第一点是“态度”。
(链接:https://thecellist-investment.blogspot.com/2019/07/1.html)
第二点是“精明地选择导师”。
(链接:http://thecellist-investment.blogspot.com/2019/07/2.html)

今天就要来谈谈第三点,
那就是“学习金钱的语言”。

由于本人是以投资股票为主,
所以就只用股票投资来当例子好了。

来看看以下三个人的发言:

A:“这个8888(股票代码),我昨天看价钱跌了不少,
感觉会涨回来,就买了一点来玩玩,
赌股价会上,看能不能赢点钱回来。”

你们觉得对于A来说股票投资是什么呢?

然后来看看B,
B:“这支X股最近股价下滑不少,
我研究了X股的基本面和技术面,
觉得值得,就投资了一笔钱下去。”

你们觉得B的投资态度如何呢?

最后来看看C,
C:“为了增加投资回酬,
我决定利用杠杆,用SMF来加码,
目前的Margin Ratio为XX%。”

提到负债和杠杆,
这又是另一种语言了。

同样是投资股票,
A、B和C所使用的语言都不一样,
也体现出他们不同的投资方法。

就像圣经里所说的:“The Word became flesh and blood.”
(语言形成血与肉。)

我们所用的语言,
形成了怎样的我们。

所以,
如果要先改变自己,
最好先改变与学习所用的语言。

投资如是,
各方面也是。

财务教育的第三个要点,
就是“学习金钱的语言”。

请期待下一个要点~

感谢阅读。







What is Financial Education(3) : LEARN THE LANGUAGE OF MONEY


Disclaimer : I wrote this article after reading <<Why The Rich Are Getting Richer>> by Robert Kiyosaki, so I referred to the book a lot.


Today let's continue to talk about the important aspects in REAL FINANCIAL EDUCATION.

Previously,
I mentioned that the first important aspect is "ATTITUDE".
(LINK : https://thecellist-investment.blogspot.com/2019/07/what-is-financial-education1-attitude.html)
Second is "CHOOSE YOUR TEACHERS WISELY".
(LINK : https://thecellist-investment.blogspot.com/2019/07/what-is-financial-education2-choose.html)

Now,
the third important aspect is "LEARN THE LANGUAGE OF MONEY".

Since I mainly investing in shares,
so I will use shares investment as my example.

Let's have a look at the conversation of the three types of person below:

A:"This 8888 (code of company)... yesterday the price dropped a lot,
now I feel like it will rise back, so I bought a little to play play,
I bet the price will go up again, see whether I will be able to win some money."

So what do you think?
What exactly is shares investment for A?

Next person.....
B:"The shares price of X company dropped a lot lately, I studied both the fundamental and technical, seems like is worthy to invest now, so I invested my money into it."

What do you think about the investment attitude of B?

Last person.....
C:"In order to increase my investment return, I decided to leverage and use SMF to buy more shares,
now my Margin Ratio is XX%."

C talked about debt and leverage,
is like another language already.

The same shares investment,
but the language used by A, B and C are different,
so as their investment style.

Like what mentioned in Bible:"The Word became flesh and blood."

The word that we using,
shaped who we are.

Thus,
in order to change yourself,
is better to change the language that you are using.

Not only for investment,
but also other aspects in life.

The third important aspect of REAL FINANCIAL EDUCATION,
is "LEARN THE LANGUAGE OF MONEY".

I will talk about the forth aspect next time.

Thanks for reading.

I don't provide any buying/selling suggestion above,
please make your own investment decision and be responsible with it.

List of articles of year 2018