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Liar’s Poker 15 三月, 2009

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The following phase stays in my mind for a long long time…

“…A chaired professor of the London School of Economics, who took a keen interest in material affairs, stared at me bug-eyed and gurgled when he heard that what I was to be paid. It was twice what he earned. He was in his mid-forties and at the top of his profession. I was twenty-four years old and at the bottom of mine. There was no justice in the world, and thanks goodness for that."

Life is tough, probably more tough than you can ever imagine.

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“給畢業生的一封信" by 王文華 20 七月, 2008

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親愛的學弟妹:

在你們畢業之際,我想寫一封信給你們。

告訴你一個秘密:從小到大,我都是為自己。

我猜你也是。

凡事為自己,不是因為我們自私,而是大家都鼓勵我們這樣

。爸媽不都說:「你什麼都不用管,把書念好就好了!」

但書念完了,進入社會,我還是為自己。汲汲營營,搶最好的研究所、最好的公司、最好的女友、最好的基金。

這樣走來,到38歲,我終於達到了社會和我對自己的期望:名校學位、外商公司總經理、漂亮聰明的女友、獲利豐厚的基金。但令我驚訝的是……

我並不快樂。

也許是我個性古怪,也許是我貪得無厭。但我問了一下身旁比我更「成功」的朋友,他們更不快樂!

天啊,從來沒人告訴我們:當一切都得到後,感覺竟如此boring!

「我」是一只怪獸

Boring的原因,是因為我們除了自己,一無所有。

100%只有自己的生活,就像100%的檸檬汁,令人反胃。

很多煩惱,都是因為我們的自我太強,把自己無限膨脹,看不到自己以外的人和事。分手痛苦,因為她離開「我」了。工作挫折,因為老板可能會fire「我」。家人吵架,因為爸媽都不了解「我」。朋友絕交,因為他做了對不起「我」的事。

「我」,像一只臉長得跟我們一樣、體格卻比我們魁武百倍的怪獸,一輩子跟在屁股後面,甩也甩不掉。

當這只怪獸跟在身後,我變成驚弓之鳥。事事為自己考慮,時時為自己算計。算計著每一個動作,能不能為自己帶來名,或利。開始幾年,這很過癮。久了之後,變得空虛。空虛也不是因為名利不好,而是因為到了某一個程度,再多的算計或努力,也不能帶來名利。

空虛多了,最後會窒息。所以38歲那年,我替自己人工呼吸。

我辭去了總經理,重新學習人生。我迷失了一年,一事無成。唯一的收獲,是留了胡子,並且從習慣到喜歡,別人的忽視。

但這並沒有讓我真正解脫。真正讓我甩掉那只怪獸,是在一年前,我和趨勢科技的董事長張明正創辦「若水公司」,開始做公益。

做了一年,坦白說,我還沒造福任何人,只造福了自己。因為做公益,於是我可以暫時忘掉自己、只想別人。忘掉自己、只想別人,就像脫光了衣服,輕松舒適。

先去賺錢再說

「若水」有幸感召了一些人。一位年輕朋友說他要加入若水,並且願意因此放棄到美國念書。

我說:「你發神經啊!」

他困惑地看著我,我平靜地對他說:「你有機會到美國念書,是千載難逢的好機會。你應該去,練就一身本領。最好畢業後在美國做幾年事,把世界一流的東西學到手。更重要的是要賺一點錢,因為將來做公益的薪水不高。這樣將來你回來,才能放手一搏,大干一場!到時候不是你加入我的公司,而是我加入你的公司!」

「可是我現在就想獻身公益!」

「你剛畢業,能做什麼?你現在去做公益,只能付出勞力,搞不好還礙手礙腳。你到江湖上混一圈,將來會有更大的貢獻。」

「可是我要改變世界、幫助人群。」

「大部分立志要改變世界的人,最後都憤世嫉俗。很多立志要幫助別人的人,往往是越幫越忙。你真的要改變世界,先把資產負債表學好。真的要幫助別人,先充實自己!做公益比賺錢還難,你連賺錢都做不到,怎麼做公益?」

「可是,你不是說要忘掉自己嗎?」

「你要先有自己,才能忘掉自己。有了自己再忘掉自己,是耶穌。沒有自己就忘掉自己,是幽靈!」

他黯然離開,我後悔話說重了。事後我E-mail給他,告訴他在美國做志工的信息。

我知道這一屆的畢業生,很多將來會改變世界。大部分改變世界的人,對這世界都有第一手的、深刻的了解。都曾在現實世界中跌跌撞撞、滿身創傷。因為唯有如此,他們才能找到杠杆,一舉把世界舉起。

對耶穌來講,那根杠杆是用自己的鮮血來洗滌罪孽。對比爾蓋茲來講,那跟杠杆是用科技來治療瘧疾。耶穌和比爾蓋茲都曾在紅塵中打滾,在人世間浮沉。

改變世界不是學術辯論,只靠滿腔熱血和思緒清晰。改變世界是要打敗「現狀」這個敵人,要打敗敵人,你必須先與敵人共枕。

所以親愛的學弟妹,卷起袖子,跳進染缸吧!去挑燈夜戰、瘋狂加班。去爭權奪利、壯大自己。在這過程中,你也許忙得沒有時間濟弱扶傾,沒關系,你忙你的,但我希望你偶爾手下留情,給些余地。相信我,你如果夠優秀,那贏得勝利,就不用趕盡殺絕。達到目的,未必要人面獸心。在這殘酷的世界維持些許的人性,是現階段你能做的最大的公益。

假如你真的做了不義之事,希望你記在自己的帳上。有一天,當你38歲,或更早,功成名就,感到窒息了,拿出賬本,和這一路累積的財富和功力,然後忘掉自己,做一些利他的事。也許你會因此得到快樂,而進一步改變了自己。那時你會發現:改變世界容易,改變自己難。拯救世界容易,拯救自己難。

那時,我們才算真正畢業。那時,我們才終於變成,自己生命中的,新鮮人。

文華

Steve Jobs’ Commencement address (2005) 20 七月, 2008

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This is the text of the Commencement address by Steve Jobs, CEO of Apple Computer and of Pixar Animation Studios, delivered on June 12, 2005.

I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I’ve ever gotten to a college graduation. Today I want to tell you three stories from my life. That’s it. No big deal. Just three stories.

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl. So my parents, who were on a waiting list, got a call in the middle of the night asking: “We have an unexpected baby boy; do you want him?" They said: “Of course." My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents’ savings were being spent on my college tuition. After six months, I couldn’t see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn’t interest me, and begin dropping in on the ones that looked interesting.

It wasn’t all romantic. I didn’t have a dorm room, so I slept on the floor in friends’ rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn’t have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can’t capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, its likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.

Again, you can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

My second story is about love and loss.

I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn’t know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down – that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn’t see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple’s current renaissance. And Laurene and I have a wonderful family together.

I’m pretty sure none of this would have happened if I hadn’t been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don’t lose faith. I’m convinced that the only thing that kept me going was that I loved what I did. You’ve got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don’t settle.

My third story is about death.

When I was 17, I read a quote that went something like: “If you live each day as if it was your last, someday you’ll most certainly be right." It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: “If today were the last day of my life, would I want to do what I am about to do today?" And whenever the answer has been “No" for too many days in a row, I know I need to change something.

Remembering that I’ll be dead soon is the most important tool I’ve ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure – these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn’t even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor’s code for prepare to die. It means to try to tell your kids everything you thought you’d have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and I’m fine now.

This was the closest I’ve been to facing death, and I hope its the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:

No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life’s change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.

Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960’s, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: “Stay Hungry. Stay Foolish." It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.

10 Great Advice from Bill Gates 20 七月, 2008

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Rule 1: Life is not fair – get used to it!

Rule 2: The world won’t care about your self-esteem. The world will expect you to accomplish something BEFORE you feel good about yourself.

Rule 3: You will NOT make $60,000 a year right out of high school. You won’t be a vice-president with a car phone until you earn both.

Rule 4: If you think your teacher is tough, wait till you get a boss.

Rule 5: Flipping burgers is not beneath your dignity. Your Grandparents had a different word for burger flipping: they called it opportunity.

Rule 6: If you mess up, it’s not your parents’ fault, so don’t whine about your mistakes, learn from them.

Rule 7: Before you were born, your parents weren’t as boring as they are now. They got that way from paying your bills, cleaning your clothes and listening to you talk about how cool you thought you were. So before you save the rain forest from the parasites of your parents’ generation, try de-lousing the closet in your own room.

Rule 8: Your school may have done away with winners and losers but life HAS NOT. In some schools they have abolished failing grades and they’ll give you as MANY TIMES as you want to get the right answer. This doesn’t bear the slightest resemblance to ANYTHING in real life.

Rule 9: Life is not divided into semesters. You don’t get summers off and very few employers are interested in helping you FIND YOURSELF. Do that on your own time.

Rule 10: Television is NOT real life. In real life people actually have to leave the coffee shop and go to jobs.

Rule 11: Be nice to nerds. Chances are you’ll end up working for one.

與狼共舞(Dances With Wolves) 29 五月, 2008

Posted by stargazerhk in 投資/投機.
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我們先來看個假想的奇異世界。

在這個特別的世界中,你在蠻荒之地經營養雞場。你的目標就是蛋生雞、雞生蛋,生生不息,養出愈來愈多的雞。 這個地方的特別之處在於,要養雞,你要和狼打交道。這裡的狼可是非常聰明的。牠們不僅可以守衛養殖場,驅趕任何其他會傷害雞隻的野獸,牠們還可以打點養殖 場的瑣事,舉凡清潔、給清水、餵飼料,都可以幫你完成。

狼真不錯。在這地方養雞,交給狼就對了。但是,狼群們有個要求。

狼也吃雞,牠們也喜歡吃鮮嫩的雞肉。牠們要求的薪水,就是每年養雞場中所有雞隻的一定比例要分給牠們,讓牠們”豐衣足食”。

這一行也是有競爭的。有許多不同的狼群想幫人類看管養雞場,有的狼群一年要求10%的雞,有的一年要20%的雞。

身為聰明的人類,你動腦思考。你發現,有的狼群看管的養雞場,可真是六畜興旺,雞仔多到快滿出來。有的狼群看管之下,養雞場似乎諸事不順。

你想選會讓農場生意興隆的狼群,但仔細察看資料後發現,六畜興旺的養雞場不是一直都如此。儘管沒換看守的狼群,養雞場有時候這個旺,有時候那個旺,似乎和誰當家沒什麼關係。

於是,你注意到狼群每年要吃掉的雞隻比例。假如我不知道那些狼來看守可以讓養雞場旺起來,那麼,就選每年要吃掉最少的雞的狼群。因為你知道,狼吃得愈少,活下來的雞就愈多,日後就可以下更多的蛋,生更多的雞。

你相信這是明智的選擇。

這真是個無聊的假想故事。但這個奇幻世界有個真實世界的倒影。我們把主角換一下。

投資人的目的就是賺錢,錢生錢,生出愈來愈多的錢。你要投資,可以把錢交給資產管理公司。他們會幫你打點好一切。

但是,資產管理公司有個要求。交給他管的錢,每年要分一定比例給他。

資產管理公司就是現實世界中要吃雞的狼。不同的是,他們和你我一樣,有著人類的外型。但他們之於投資人,就像故事中的狼之於牧場主人,是完全一樣的角色關係。

養雞場主人需要狼的協助,不然晚上要自己睡在圍欄邊守夜。投資人需要資產管理公司、需要金融服務業,不然自行選股,什麼都自己來,實在是太累人了。

但是,他們要跟你共享成果。請小心應對。在你還不知道能拿到多少成果之前,何不就先決定,要儘量把成果留在手上呢?

面對金融服務業,投資朋友,請準備好與狼共舞的心情。投資的路上,少不了這個亦友亦敵的夥伴。

轉載自綠角財經筆記

數個要銘記的道理 22 五月, 2008

Posted by stargazerhk in 流沙的自白.
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1. It is all about building up yourself. Don’t get distracted.

2. If you think you should do it from the gut, do it and don’t regret.

3. Survival for the fittest is always true. So sharpen yourself and stay focused.

4. Most of the time hard work will not necessary earn you a fruitful result. Keep this point in your mind.

Y咁多樣野要學… 21 五月, 2008

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OMS,EMS,ATS,blotter,ticket,liquidity,dark pool,dark algorithm….

睇黎呢行真係好博大精深…

對於好鍾意儲智識的我黎講, 能夠有咁既機會去上training去學野, 真係好開心! :)

FIASCO 21 四月, 2008

Posted by stargazerhk in 投資/投機.
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點解Charlie Munger會推薦一本和Fundamental Analysis無關的書? 睇過你就知…

Fiasco: The Inside Story of a Wall Street Trader

再一次,中途站 21 四月, 2008

Posted by stargazerhk in 流沙的自白.
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人生在世, 總會遇上轉捩點

我的第一個轉捩點出現在我工作了一年多時:

那時渾渾噩噩的我, 因為想尋求一個新工作環境, 結果令自己墮進了一個困境中. 最後用了三年多的時間才可以翻身

現在的我再次遇上另一個轉捩點…今次可否和理想一樣, 令自己的事業進入新階段呢?

投資,不該是生活的重心 8 四月, 2008

Posted by stargazerhk in 投資/投機.
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(原文轉自綠角財經筆記)

投資是迷人的事。

最吸引人的一點,是賺錢的可能。很多人戮力研究投資,為的就是賺錢。工作不夠好、薪水不夠多,沒關係,只要努力研究投資,市場將給你豐碩的回報。最努力的人將得到最大的回報,不就是這樣嗎。這是他們的信條。

所以我們看到許許多多,在工作時,電腦上開了一個股市視窗的人,在子夜寂靜時,挑燈大戰美國股市的人,在放假時,埋首於理財書籍中的人。一個個,努力投資的人。

但在做這些努力之前,這些投資朋友是否做過一個簡單的運算呢?

假設,投資人甲,每個月所得扣除花費後,可以自行投資的錢是3000塊。投資人乙,能投資的錢則是三萬塊。

乙 就把這三萬塊存起來好了。每個月三千塊的甲,要有怎樣的投資成績,才追得上乙。很簡單,900%的報酬。請問,拿到900%的報酬要多少時間,是一週,一 年,還是二十年?甲要花多少努力,才能用投資追上這個差距。那是乙不投資的狀況。假如乙也會投資,比甲還厲害(或是運氣好),甲追得上嗎?

再 來一題。投資人A每月可投資五萬,投資人B每月則有二十萬可以投資。假如十年之後,投資人A拿到了100%的報酬,當初每月投入的五萬,都長大變成十萬。 投資人B則很遜,這十年,經歷了-50%的報酬。結果怎樣?結果是他的二十萬變十萬,跟100%報酬的投資A比起來,錢也不會比較少。

這裡有點必需澄清的是,投資,為的不是超越或贏過別人,為的只是要滿足自己與家人的人生目標。但當投資人幻想要藉由投資,把錢變大,獲取更優渥的生活時,他可曾想過,投資能帶來多大的功效。

事實是,對絕大多數人來說,財富多寡的決定性因素,在於本業的收入

沙漠居民,整天想的就是水。錢少的人,整天想的就是錢。就是因為錢少,才會努力去想要怎麼把錢變大。而對許多人來說,把錢變大的最好途徑就在於投資,而不在工作。

為什麼?

因為投資很有趣,上班很無聊

這就是許許多多投資人的思維。

投 資為什麼會有趣?因為有短期賺大錢的快感。請不要否認。想想看,假如投資只能帶來每年5%的預期實質報酬,不僅不一定會實現,你還要看著投資淨值上下起 伏,你會不會覺得投資很有趣。投資變得有趣,只因它染上了賭博的繽紛色彩。冒著虧大錢的危險,享受賺大錢的可能。這根本只是賭博,你只會從中獲取樂趣,難 以得到金錢。賭博在那些國家是合法的?答案是,在所有有證券交易所的國家,賭博都是合法的。而那些鼓吹快樂投資,歡喜投資,腎上腺素投資的,不是別人,正 是交易所中的莊家,金融服務業。

上班很無聊。因為許多人的工作,不是他自己選的。是爸媽幫他選的,是先生太太幫他選的,是社會幫他選的。 太多人,不敢選擇自己喜歡的道路,而去順從父母的意見、他人的意見,或是社會上的意見,選擇其他人認為是好的,而不敢選自己喜歡的職業。或是,自己也沒想 過自己要的到底是什麼。於是,就變成一個沒有熱情的工作者,一個討口飯吃,而不願意積極向上的工作者。

一個想著如何多賺錢的人,碰上媒體到處宣揚的輕鬆投資賺大錢的例子,回頭看到自己無趣的工作,他會做出怎樣的選擇?可想而知。

投資提供了無盡的幻想,卻也有著如地心引力般難以逃離的現實面。現實就是,所有投資人所得,必是扣掉成本後的市場平均。股市平均年報酬率是多少?皆大歡喜的20%嗎?市場是愈多人去研究它,愈努力去研究它,它的平均年報酬就會愈高嗎?

這些人中的多數,將從投資中得到失望的結果。而回頭繼續做那無趣的工作。這樣看來,投資還真有穩定社會的功能。讓許許多多對工作不滿的人,有個宣洩的管道。但又隱藏著灰色鐵一般的事實,讓大多數的人必需繼續工作,為社會付出心力。

對大多數不是以金融為本業的人來說,投資不該是生活的重心,頂多當個興趣。

人說大學有三學分,課業、愛情與社團。其實,出了社會,一樣是這三樣東西。課業換成本業。愛情換成家人。社團換成興趣。本業、家人與興趣,不就是一個人生活的重心嗎?

最可靠的財富來源在本業、最穩定的精神支持在家人,最有趣的自我娛樂在興趣。投資沒有取代本業與家人的價值,所以頂多當個興趣。對大多數人來說,自己與家人,是最最值得投資的標地。真正踏實可行的致富之道,在本業,不在投資。

許多人問,該投資什麼?其實,站到鏡子前面,你就看到答案。