Chapter 445 [Solving this Problem with Financial Thinking]
The content of Fang Hong's Weibo is already a vague expression that he is not optimistic about the market outlook, but he can't be too straightforward to be bearish on the market outlook, after all, he now has more than 40 million fans, and most of the people who pay attention to him are shareholders.
Properly the top domestic first-class financial big V blogger, K God's current status in the rivers and lakes of Big A does not need to be repeated too much, and the huge influence to publicly sing the big A is most likely to be called by the village chief to care for the rhythm.
As for what the market will be like next year, Fang Hong knows very well in his heart, and it can be summed up in one sentence: the ideal is very full, and the reality is very backbone.
During the first quarter of the first half of next year, A-share investors are full of confidence in the illusory bull market created by brokerages and media, with a confident expectation of 4,000 points.
In the second half of the year, in the low valuation that institutions tried to whitewash, they continued to buy the bottom and buy the bottom again.
At the end of the year, the easing of monetary policy finally gave investors hope, but the goose's concerns about downward pressure on the economy cast a shadow over the stock market.
If the unforgettable memory of 2008 has not been forgotten, and the joy of the rebound in 2009 does not seem to have reached its climax, then in the following 2011, it was a wave of blunt knife flesh-like decline, and 2012 was the haze that lasted for the previous year, and the bear atmosphere was pervasive year after year.
……
said that at this moment, after Fang Hong's Weibo was updated, fans were shocked by the asset size of the income chart he announced.
[The total net assets have reached 36.2 billion?] ]
[Cow pen!] ]
[Wo-by?] Earn hemp, this can already enter the fifth place on the domestic rich list, right? ]
[definitely entered, the Hurun Rich List issued in October, the first to the fifth were 53.4 billion, 48 billion, 38.4 billion, 38 billion and 36 billion respectively, properly squeezing the fifth place down.] ]
[Horror is terrifying.] ]
[Can you imagine that two and a half years ago, God K used more than 60,000 yuan to get to the current 36000000000000000000000000000000000000000000000 ]
[In two and a half years, more than 50,000 times the rate of return......]
[The market has made all the money!] ]
["Good Luck"]
[Is this a matter of luck?] This year, I made more than 20 billion yuan. ]
[One person can kill the net profit of the world's top 500 companies for a year, which is off the spectrum.] ]
[K-God Bitcoin is still playing?] ]
[K3478 Follow-up Restore //: Still playing a der, cut.] ]
[ha......]
[Someone wasn't talking about the Bitcoin flash crash before, and God K also buried himself, not a loss.] Looking at it now, the little money in Bitcoin is not even a fraction of the total assets of K-God. ]
[People are playing with happy beans......]
[Why is my stock account losing money......]
[If you love him, let him go to the stock market, where is heaven.] If you hate him, let him go to the stock market, it's hell there. ]
[I think the village chief should let the K god ban the market, this scythe is too ruthless, mortals can't play it at all...... (Shiba Inu .jpg)]
……
Fang Hong swiped Weibo for a while, thought about it and decided to take out some of the money to do public welfare, which can not only earn fame and achievement points, but also enjoy the additional treatment of "free spraying rights".
Such exposure assets, although they are all sunshine assets, are all legitimate income.
But it is inevitable that some people will be jealous, how much will still be sprayed to show off their wealth, if you take out some to do public welfare, to a large extent, you can enjoy the "free spray" treatment, even if you are sprayed, there will be more fans to spray with it.
At this time, Tian Jiayi, who had already gotten off work, came out of the bath and came to the living room from upstairs.
Fang Hong saw the beautiful assistant coming over, and immediately said: "I plan to use 10% of the annual profit of my personal account to do public welfare, what do you think is better?" Help me think about the staff officer. ”
Hearing this, Tian Jiayi said without thinking: "Educational support for poor students. ”
Fang Hong held his jaw and couldn't help nodding: "It's better to teach people to fish than to teach them to fish, this is a good choice, but the money has to really be sent to the hands of poor students." In many cases, the support for poor students is in the hands of people who are not short of money. ”
Tian Jiayi said thoughtfully: "The loopholes in this problem are indeed difficult to solve, because you can't be sure whether the application submitted is the real situation, the actual situation must be that there are people who are not short of money to fraudulently use the places of poor students, and the poverty alleviation and student assistance has been in the hands of rich people, but you can't verify them one by one, so you need a huge organization, and the huge management cost investment will exceed the proportion of those fraudulent places." ”
Fang Hong thought for a while and then said: "No, no, use financial thinking to solve this problem, I think it can be played like this, for example, a poor student, we support him to provide a grant, but to set a special condition, if he can have a decent job and a lot of income when he graduates in the society in the future, the bursary used on him will be reflected as his debt, and the bursary needs to be repaid according to the current central bank benchmark interest rate, and the returned funds will be used to support the next poor voice." ”
Tian Jiayi was also surprised when he heard his plan, he had never heard of such an operation.
Fang Hong obviously didn't finish speaking, he continued: "If the student goes into society and mixes badly and hasn't been able to get out, the bursary that funded him will be exempted from his obligation to return, but he still has to pay it back." In this way, even if there are some impostors from non-poor families, they will not be able to reap the benefits, if he returns to poverty later or is willing to live a good life but not live a hard life, I will admit it, otherwise I will have to vomit out even if I eat it. ”
Tian Jiayi couldn't help but be stunned, the angle of this idea was quite tricky.
If poor students change their fate through education, this money is nothing, not to mention that you don't have to return the money when you can't mix it up, the debt will disappear directly in situ, and only when it is mixed up will the debt exist and have to be returned.
Strictly speaking, it is not considered that the debt disappears, but that the right of recourse is retained, but there is a precondition for the right of recourse, that is, the debtor has to mix up, and if it is at the bottom, then the recourse condition will not be triggered.
This program can be a good restriction for some people who fraudulently use places and falsely claim to get financial aid.
The tricky part of the angle is that if this Greek person is willing to live the same life, the same occupation, and the same income as the people at the bottom, and is willing to live a hard life at the bottom in order to get a bursary, Fang Hong is also willing to admit it.
But surely no one will want to live a hard life, and it is foreseeable that in this way, those non-poor families will not worry about this money, because it will have to be repaid in the future, and interest will have to be calculated.
In the 16 years from primary school to university graduation, even if it is calculated according to the central bank's benchmark interest rate, the interest is actually quite a lot.
After a while, Tian Jiayi couldn't help asking, "But, how can it be considered mixed up?" Your statement is vague......"
Fang Hong smiled and said, "It's not simple? It's too simple, just one standard, two words: children. ”
Tian Jiayi was stunned and said, "Clams? Child? ”
Fang Hong nodded and smiled: "If you can make a name for yourself, you must at least get married, right?" You have to have children when you're married, right? Otherwise, how can you live a famous life? People who can find a relationship to grab the financial aid resources of poor students, the family conditions are generally not bad, and they will definitely get married and have children, take 10,000 steps back, he is willing to choose not to get married in order to get my bursary, choose to be the last, and is willing to pay such a price, I admit, I willingly admit it, I give him a thumbs up, a cow pen. ”
Tian Jiayi said: "However, even if you are poor, even if you have poor economic conditions, you will have children." ”
Fang Hong said lightly: "That's simple, the bursary pays off the principal and interest, as an adult, if you insist on doing so knowing that your ability is limited, then you should pay for your choice, I paid for you once, but I won't pay again, since you insist on leaving, then you have to grit your teeth and pay back the money." ”
A heart-wrenching fact is that ten years later, many people can't even afford to get married, and those who can marry with their children are better than the vast majority of young people.
There may be high-quality singles, but the majority of society must be forced to be single because of economic conditions.
If you dare to get married and have children, you will definitely have a house and a car, and children can be said to be the key core indicators that can measure the economic conditions of an adult.
Because young people in the future will not have children as simple as just adding a bowl and a pair of chopsticks to eat with multiple people like the older generation, they must go through various measurements before deciding whether to have children, especially economic conditions.
Therefore, it is simple and efficient to use whether or not you have children as an indicator.
Because children will indirectly bundle a lot of things.
……
(End of chapter)