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Life experience: don't make the last penny.
There is a company where you deposit money with them, and the annualized income is 10%, not short-term loans, but 10% fixed income. At the same time, it also regularly organizes member activities such as movies and outings. In the same period, bank wealth management income was only 5%.

The money you deposit will be supervised by the bank and can be withdrawn at any time. This company just uses your money to lend or invest and earn interest on the difference. This company works in high-grade office buildings in first-tier cities, and its management team has rich financial experience.

Faced with such an opportunity, you were cautious at first. Put in tens of thousands of dollars first. I didn't expect the effect to be good. I get a full dividend every month, and the relevant fund information is also very transparent. So two years later, without any accident, the staff of the company are very stable and get to know you better and better. You're thinking, it seems that this company really has connections. There are so many loan sharks in society, and the annualized income of 10% is actually nothing. The company still made some money. So you increased your investment. Not only did you put all your money into it, but you also didn't forget to tell your relatives and friends about this good thing, so that everyone could make a profit. Even to invest in bank loans, after all, the bank's commercial loans only have less than 7% interest, empty gloves and white wolves, using the bank's money to earn interest difference for themselves, why not?

Just when you get something for nothing, dreaming that you can earn an annual salary of 100,000 yuan with only one million investment, realize financial freedom and live a happy life, suddenly one day, the company is empty, and the police arrested several people, but your investment can never come back.

This is a true story that happened around me.

People say that all drowning people can swim. And those who are cheated think they are smarter than liars. Nowadays, there are more and more scammers and the routines are becoming more and more complicated. Their research on human nature and the creation of financial models are really hard to prevent. Can be said to be highly educated, high-tech, tall. Faced with the blow of this kind of knowledge, ordinary people simply can't understand the mystery. The more you follow the liar's routine, the more you believe the liar.

In the face of such a scam, there is only one word to avoid being deceived-not greedy. Don't believe that you will be the lucky one. Don't believe that good things will come for nothing. Face the temptation and control yourself. You should know that mushrooms are poisonous and female ghosts are beautiful. The more attractive things in this world, the more dangerous they are.

Liars use human greed to create scams. Whether it's a prize in a jewelry store or a fool selling valuables on a bus, as long as you are greedy, want to get something for nothing, or take advantage of others, you will be fooled. This fund-raising example, even if you can stop in time after taking a little advantage, will not be cheated. But how many people can restrain their desires in the face of cheapness? Not only will more people not stop, but they will try their best to get more cheap. And the liar, it is by taking advantage of this weakness of human nature that he dares to let you take advantage of it for so long, because the liar knows that the food he spilled will eventually bring him back prey with higher returns. Liars are never afraid of others taking advantage of them. Liars are afraid that others will not take advantage of them. The cheaper it is, the harder it is to be cheated. The bigger the bait, the more fragrant it is, and the bigger and more precious their prey is. From this perspective, the courage of a liar is really not small.

Will greed only deceive us? No, excessive greed will also cause bad effects and consequences in our interpersonal communication.

For example, as the leader of the company, he only pursues the maximization of profits and the minimization of expenses, and he is extremely squeezing employees, asking horses to run and horses not to eat grass. I earn a lot of money myself, but I can't bear to give my employees a raise. Or what vision has been set for employees, and employees are unwilling to fulfill their tasks after they have completed them. I have met too many such leaders, not too few.

In the company's transaction process, both buyers and sellers are in a dominant position and some are in a weak position. Companies in an advantageous position will try their best to squeeze the last bit of oil and water out of each other, so as to maximize the profits of their own trading, and the other party will not make any money at all, or even lose money. This kind of transaction is too common in the market. Some entrepreneurs, engaging in billions of transactions, cut the price of suppliers to the extreme, have whatever they want, and don't want others to earn tens of thousands or even thousands of dollars. Some units give various rules and regulations to others, but also want to provide better services and lower prices than other businesses, so they are extremely demanding and self-reliant. The requirements have changed, the payment is slow and the work is difficult. Shops bully customers, and it is not uncommon for customers to bully shops.

Some people, in the process of getting along with others, must be the one who takes advantage. And take advantage of others for pleasure. If you have difficulties at work, others will take it, and if you have credit and honor, you will take it yourself. There are too many sub-tasks, too few bonuses, bullying, gossiping, and disregarding courtesy, justice and shame for some interests. Wang Xifeng is like this. Such people can be seen everywhere in life.

We say it's easier to hide an open gun than to hide an open gun. If many people can be alert to those pies falling from the sky, then the benefits of squeezing others through their own "hard" calculations are easily overlooked. Because you took the initiative to steal from others, you are the active party, and you will think, anyway, I will definitely not suffer, but I will be complacent because I have more income. But is this really the case? Is it really no loss to earn too much?

We know that fishery resources in many waters have been exhausted due to overfishing. Overfishing can get high profits in the short term, however, it is difficult to make ends meet, resulting in no fish to catch in the future. In the long run, the loss outweighs the gain. This is what the ancients said: fishing is inexhaustible. People, companies and even countries get along like this. Don't squeeze the weak side too much just because you are in an advantage for a while. While enjoying yourself, I also left my stuttering to others. Just like a beekeeper cutting honey, you can't cut it all, but you should leave some for the bees. Only when bees have food can they brew more honey for you.

People who like to take advantage of others will eventually be disgusted by others. If they get a little cheaper, they will lose someone. So what? Lost? How many leaders who squeeze employees can achieve great things? What are the advantages of those units that always make suppliers suffer, if suppliers close down or cooperation can't continue?

Smart people not only know how to get there, but also know when to give up. Kenscher is much more difficult than the meeting. The ecosystem of this world is balanced and sustainable. If there are too many rabbits, the grassland will be destroyed, which will eventually lead to the extinction of rabbits. The same is true of human society. Excessive looting can bring temporary prosperity, but it will leave long-term hidden dangers. Throughout the ages, many dynasties perished because they squeezed too many people. The country is still like this, why can people be inferior?

Some people say that Li Ka-shing never pursues buying at the lowest point and selling at the highest point in business. There will always be room to make money and go home. I think this is not his kindness, but a kind of wisdom to prevent and control risks. We must pursue the lowest cost, wait for the lowest point before buying, others may take our opportunity. We must pursue the highest profit, wait until the highest point to sell, and we may not be able to sell. Leave room for yourself and others in everything, just like there are always reserves in the war. It is the safest and most efficient way to set aside more time to catch the plane to prevent and control risks. On the contrary, being too utilitarian and self-centered will not make others feel better and will not maximize long-term benefits.

How many people, whether ordinary people or elites, find it difficult to understand the mystery of giving up and getting. Facing the interests, I can't help making the last copper coin. How many investors and gamblers are trapped when they win money? Nokia, Motorola, Sony, Panasonic, Kodak and many big companies are reluctant to give up this profitable product and invest and launch new products at the peak of their performance. They always want to earn more and more, and finally they are abandoned by the times.

The ancients said that it was not enough. Be a man and do things, you must not be too greedy. Only take a spoonful when you are weak, grasp the degree of trade-off, and don't let desire blind your eyes. When you can take one hundred, you only take ninety, leaving the space for others and the seeds for yourself. Giving someone roses is fragrant, giving is giving, and giving will take root and sprout, and more will be given back to you. We in China pay attention to the golden mean, that is, don't be absolute in everything, enough is enough.

In the face of interests, people are always reluctant to let go, on the one hand, because of greed, on the other hand, because they don't understand the truth that giving up is getting. Yes, how can you get immediate benefits if you don't want it? Then let's look at a fable first.

The woodcutter and Hermes

A woodcutter is chopping wood by the river. He accidentally dropped his axe into the river and was washed away by it. He sat on the river bank and burst into tears. Hermes knew about it and felt sorry for him. After asking why, he went down to the river and picked up a golden axe. He asked if it was his, and he said no; Then Hermes picked up a silver axe and asked him if he had fallen, but he still said no; When Hermes went down for the third time and picked up the woodcutter's own axe, the woodcutter said that this was the one he had lost. Hermes appreciated the woodcutter's honesty, so he gave him both a gold axe and a silver axe as gifts. The woodcutter went home with three axes and told his friends the story in detail. One of them was so jealous that he decided to take a chance, ran to the river, deliberately threw the axe into the rapids, and then sat there crying. Hermes came to him and asked him why he was crying. He went to the river and picked up a golden axe and asked him if he had lost it. The man said happily, "Ah, exactly; Exactly! " However, his greedy and dishonest appearance was hated by Hermes. He didn't give him a golden axe or even his own.

Those who know enough is enough get unexpected happiness, and those who yearn for things they don't deserve lose their own happiness. I have read this fable and can understand its meaning, but when it comes to myself, few people can hold it.

Alibaba started a business together 18-year-old arhat. If Ma Yun is too greedy and unwilling to delegate power and earn money by himself, others can only work. Will there be Alibaba today? This is especially true for Huawei. Ren only holds 1% of the shares. Instead of pursuing how many shares he owns, how much power he has and how much money he earns, he is as generous as Song Jiang, but he has gained a broader sky. And Baidu? Because of insatiable greed, I earned some unconscionable money, was spurned by people, and gradually fell from the ranks of Internet giants. There is also FedEx. If you don't send a good courier, you will be biased if you move your mind, which will cause the stock price to plummet. This is the so-called small business depends on wisdom and big business depends on morality. In fact, the country is the same. The United States keeps squeezing other countries, completely ignoring the feelings of other countries, leaving no survivors, making the world bitter for a long time and beautiful, leading to the alienation and loneliness of the people.

Whether you are a man or a worker, you should stop. Don't earn the last penny, save some rations for others. This is a protection for yourself and an investment in the future. If you can make the right choice, you will have great wisdom and will be rewarded.