The first is the line of money, that is, where the money comes from, passes through and goes;

The second line is the distribution line, that is, how much money is distributed in each link (class, circle and field) during the flow of money.

To look at the economy, look at politics first. This is political economy. Political and economic integration separates the blind from the elephants.

From the beginning of the reform, the keynote of our family is "development increment drives stock", that is, make the cake bigger first, and then engage in distribution problems. In fact, the cake is indeed bigger, but the distribution problem is not handled well. Administrative monopoly and Yang enterprise monopoly account for too much.

80% of the supernumerary population has less than 20% of the wealth, and leaders in various industries should take the bulk of the wealth.

So that we have to "guarantee 8" for many years, then "guarantee 7", and now we can "guarantee 6" depending on the situation.

The number of insurance is GDP, but the essence is to protect employment, because the stock is fixed and can only be distributed to the bottom in increments.

Roughly estimated, 1% GDP can drive about100000 jobs.

In the past, when productivity was low and materials were in short supply, the development of stocks was finished. The old capitalism exported productive forces by war, but our family had a low starting point and sufficient labor force, and exported surplus productive forces through the demographic dividend and rose peacefully.

At present, there is a serious surplus of productivity and a large surplus of goods and services.

This will squeeze out a result: to make money, we must transfer it through stock wealth.

There is no new technology, no new economic kinetic energy, no increment, only stock competition, only mutual game, mutual transfer of wealth, poor and rich.

Distribution is top-down, and in the direction of wealth transfer and flow, it must follow the bottom-up flow!

The rule of this world is that the rich make money from the poor. The incremental era is divided into more points and less points, and the stock era is how much. Incremental period, stock period.

Any process of urbanization and industrialization is a process from big cities to small cities, from provinces to local areas, and finally from the whole country to rural areas.

In the process of this flow, there will be three ways to make money, from the lower level to the upper level.

A. IQ tax is charged at the bottom.

The bottom is the level closest to marketization. The so-called entrepreneurship and marketing, which are bombarded by information every day, are all around the bottom market, because middle and high-level people simply ignore these tedious tasks.

The core logic of collecting IQ tax: information asymmetry!

There is only one core method: brainwashing!

Achieve the effect: brainwashed people are willing to deceive themselves!

During the period of shortage economy, the whole world is full of transactions. What consumers think is good is really good!

In the period of surplus economy, the whole world is full of routines, because the transactions generated by real commodity demand can no longer earn any high profits. What consumers think is good is the result of being brainwashed by others.

In the past, marketing focused on products, but now it focuses on stimulating demand, which means giving you what you want.

Collecting IQ tax is a marketing behavior from high cognition to low cognition in human weakness.

The effect is to make you feel noble and deceive yourself.

In the past, the bottom made money from commodities, but now it is by attacking your brain and possessing your soul.

Just list a few routines for collecting IQ tax:

-Self-discipline in sales

When people are confused about the future and feel pain about the status quo, no one is self-disciplined.

Man is a machine driven by desire and fear. When there is only fear and no desire, no one will be self-disciplined.

Self-discipline is passive behavior, not active. When people have a strong interest in things and a clear goal, they can be passive and self-disciplined.

The object of selling self-discipline is often young people who are wandering and struggling. Through "self-discipline can get the result of xx", it is doomed that this is an era when most people are confused, and it is normal to show procrastination and escape when they are confused. Selling self-discipline is not self-discipline, but a dream, a dream that can be realized through self-discipline.

-Health products

In the documentary The Truth of Food, science shows that health care products are basically useless. But even if everyone knows the truth, many people should buy it or not. What is even more surprising is that the number of young people who buy health care products has far exceeded that of the elderly.

Quanjian Infinitus falls down, and thousands of Infinitus will stand up. Why try to levy an IQ tax? Because consumers don't buy goods.

When you are sick, health care products are medicines. Health products are tonics when you are in good health. When you are in poor health, you don't eat enough health products, and people die. You ate health products late, didn't eat right, and didn't eat enough.

Will buyers believe these illogical words? I naturally don't believe it, but I still want to buy it. Because I bought comfort.

Such a thing as IQ tax is to make people learn to deceive themselves and others.

-knowledge payment

Except for applied disciplines (such as medicine), the highest proportion of knowledge payment is to play with those empty-headed things, such as wealth creation courses, economic courses, spiritual courses, interpersonal relationships, emotional relationships, career planning and so on.

You can just blow your mouth in these areas, because there is no real technology, it is nothing more than a routine of thinking. What you play is to stimulate and curb students' desires, and finally let students deceive themselves-"What do you want, what will you do after learning my things?"

80% of the knowledge is empty, and there is very little real money!

First, the "mentor" may not know what the truth is, which accounts for a large proportion. Deception can be done, but there is no material;

Second, some instructors who have goods will never tell you the real goods, or they don't have the time and energy.

For example, creating wealth pays attention to dreams and how to succeed, but never pays attention to the essence, that is, the flow of money and the distribution of benefits.

For example, when it comes to economics, we never talk about politics, East and West, and all kinds of tall words. The students are puzzled and admired.

Psychology, interpersonal relationship and emotional intelligence never talk about people's self-cognition, but only play with the psychology of satisfying the audience's "self-centeredness", how to play with friends in interpersonal relationships and how to control their husbands or wives emotionally. If you don't learn these things, it will make the society more chaotic, and it has no practical value except satisfying the selfishness of the audience and making them happy.

Career planning never talks about social structure. Students are so confused that they don't even know what kind of social structure, class structure and circle blend this world is. What are they planning? If you want to make a plan, you must first know where the top class you can reach in this life, that is, what is the ceiling of life. It is estimated that 99% of the "tutors" can't teach, I'm afraid they don't know.

With such virtual knowledge, why should we levy IQ tax on students?

Keep in mind the core result of collecting IQ tax: self-deception.

It's like the college entrance examination is over, the scores are announced, and some so-called good students have been admitted to the university, but they are still reviewing their lessons this holiday after taking the exam. Because in his mind, only by constantly reviewing his lessons will he get good grades.

It doesn't matter what you learn, whether it's true or not, whether it's useful or not. The key is to keep learning and be satisfied by constantly deceiving yourself.

Especially in the Internet age, information circulation is easier, and IQ tax can be levied online.

I played offline a long time ago; Then the internet came, playing with text flow, adding PPT to 1 network cable, and some even made PPT very low-level and cheated money. Now it's a video stream, add some sound to PPT, or show your face and talk nonsense.

At present, the relatively hot self-media training, the most typical routine of collecting IQ tax, looks at the temperament of "mentor" and feels that many high schools have not graduated, and their eyes are full of market arrogance. The students are full of vigor and vitality, unpretentious, and have a beautiful vision after the college entrance examination holiday.

The essence of selling knowledge = subverting people's values and world outlook.

Without this level, I can't go far. Finally, I made wedding dresses for all platforms and "mentors" who didn't graduate from high school.

Paying for knowledge as a "mentor" also requires a lot of energy and effort. It's all hard money, which is more tiring than coaxing children.

-Fitness

Fitness, an IQ tax, collects vanity money, just like many young people treat their faces, not their personalities.

Summary: IQ tax is the brainwashing of high cognition to low cognition, and the core is information asymmetry. To achieve the effect of "self-righteousness" or "self-deception", this tax can be levied continuously.

B.find a middle-level pick-up

Businessmen in the sixties and seventies all knew the secret of making money, that is, walking in front of "imitation".

People are divided into circles and classes.

The relationship between circles is that the lower class constantly imitates the upper class.

The lower circle tries to imitate all the behaviors of the upper circle, from food, clothing, housing and transportation to behavior patterns. The upper circle tries to get rid of the "imitation" of the lower circle, chasing one step, running one step, chasing one run, and never ending.

There are business opportunities here-imitation is taking the lead.

Making money is playing with the leftovers from the upper class and picking up girls from the lower class.

The biggest takeover group is the middle class-people who are stupid and save a lot can work.

Most people live in a condom and a disk all their lives. Condoms trap humans, and disks kill wealth.

Condoms for middle-class life are imitations.

The core of imitation: only paying attention to face but not lining is an imitation of lifestyle worship.

The so-called middle class here does not refer to the level of fixed assets, but the level of relative assets.

In a village, the silly son of the village head's family is middle class, and the quasi-white-collar youth in the county town are also middle class.

On the imitation route, domestic high-level imitates foreign aristocrats, domestic middle-class imitates domestic high-level, four or five counties imitates the first line, and the countryside imitates the county and provincial capital.

Middle class imitates by going up one flight of stairs in all aspects of life style;

Looking for brand-name armed clothes, in view of this imitation, first, there are fast fashion brands that specialize in imitating big brands, second, luxury goods are discounted in long queues, and third, A goods are overbearing;

Remember the famous restaurants with various tastes in food? The fastidious taste of the upper class is the expression of boredom, while the fastidious taste of the middle class is the main expression of its taste.

The pursuit of title by academic qualifications is a commodity. The upper class has played with the rest, and there is no gold content. The middle class pays special attention to it. It's form, not content, and most universities don't have complete content to read.

A fascination with foreign countries. Travel, study abroad, etc. The upper class or pattern has arrived, so we should broaden our horizons, or political relations, or run away. Traveling abroad is only a superficial form; Formal imitation can never keep up with the attitude born of connotation. At most, it is a new type of senior loser.

Learn luxury arts such as piano, violin and ballet. There is also a contempt chain, the piano despises dancers, and the cello despises the piano. This is pure luxury consumption, with little value. The essence of the existence of art is that the rich have too much money to spend, and it is a toy for the rich, including the Renaissance. The essential value of the so-called advanced art lies not in appreciation, but in the symbol of socialization and hierarchy. A poor imitation of the middle class is like being in the upper class. If you are really interested in art, why don't you play suona and pipa?

In these imitations, business opportunities have emerged:

Going abroad intermediary, art training, all kinds of fake luxury goods, school district housing ...

It is relatively easy to stay ahead of "imitation" business. As long as we can grasp the key point of "imitation", we can build a money-making machine with great probability.

The trend of "imitation" usually lasts for ten or twenty years, especially the higher the level of imitation, such as the worship and imitation of western nobles by the upper class, in which business opportunities can last for decades or even hundreds of years.

Imitators' IQ is not low, on the contrary, they occupy the high ground of their class. They are sensitive to information and have a relatively broad vision. It is precisely because of this that they seek changes in their lifestyles, and everyone is eager to pursue a higher level, which is the same all over the world.

C. The upper class plays finance

The previous routine of making money still stays at the stage of "making money" and "making money". It's all hard money.

The highest level of play is "transferring money", especially finance.

Low-level thinking looks at money from the perspective of space, and money is the return of all kinds of labor and income;

Advanced thinking looks at money from the perspective of time. Money is just a number, it is running water. You don't have to work, you don't have to pay, just find the right way to "turn" it, and the stream becomes the sea.

This routine has been played in the west for nearly 200 years. Nothing more than two ways to play:

Loans and asset speculation. Now the names on the surface are all xx-type finance and xx-type investment.

The former directly transfers money, while the latter needs carriers, which are called assets. Money inflows and bubbles push up asset prices and make people flow out.

Borrowing and playing compound interest, using time thinking to see compound interest is simple and rude. When the capital grows bigger, you must play with lending. Just look at all kinds of white bars on the market. This is the core weapon of the bosses. The business of all giants is superficial, and the pursuit is the length of the field, the stop of the position, and the natural size. When the capital flow is large, change money into money.

In the eyes of western religions in the past, compound interest was the devil.

The devil's routine is not something that ordinary people can learn. The focus here is on speculating assets and blowing bubbles. A person's counterattack must rely on asset bubbles!

In a person's life, most people's wealth does not depend on IQ and ability, let alone hard work. Many buzzwords, such as "one life, two fortunes, three geomantic omen, four virtues and five studies", look up from the individual point of view, that is, the lowest point of view, so that we can't see the truth and can only vaguely boil down to a mystery, that is, personality or life.

To see the truth clearly, we must look down and grasp the core logic: whether there is money or not depends on the distribution of interests! What class position you were born in and how much benefit you can get.

Is it useful to work hard? There are also useful times! That is, when the benefit distribution mechanism is transformed, such as the transition from distribution according to people to distribution according to work, that is, the black cat and white cat period, the transformation is completed, the class is gradually solidified, and the final result is distribution according to capital. Capital is not only an asset, but also a resource. When you are born with more assets and resources, you will be allocated more.

Of course, there are also a few people who can solidify across classes. One is to be the elite of the elite, and the other will be the skeleton of ten thousand people. Not to mention this, the probability is too small, because the spelling is 3 points by ability and 7 points by luck; The other is to blow foam in the car and eat meat with Zhuang.

Off-topic, no matter what kind of crossing class, it is material crossing and can never be crossed in strength. For example, the businessman didn't fight for money in the end, but for a red top. Without a roof, money is not money at all

The logic of speculating assets is to inject liquidity, push up asset prices, and then cash out and throw it to the receiver.

Stir-fry blind boxes, stir-fry virtual coins, stir-fry onions, stir-fry garlic, stir-fry calligraphy and paintings, stir-fry stocks, stir-fry new energy sources, enjoy economic concepts, stir-fry real estate … The essence is the same!

In this business, you just need to buy assets that are about to explode in advance. That's easy to say. Is it that easy?

There are only two differences between all the discs: who is Zhuang? How big is the disk?

Small dishes are not fun, because the dealer is small and the operation panel is small, which belongs to a small circle. The information between retail investors and Zhuang is extremely asymmetric, so it is impossible to play games. Moreover, the dishes are fast-forward and fast-out, and the information can't keep up. Retail investors can't keep up with the rhythm, and they are all takers.

Which disk is bigger? Is the stock market big? Not counting! At the beginning of the establishment of the stock market, it was not something that was inclusive. This is to find a recipient of public assets. Can it get bigger in the future? Probably, because the biggest village also needs asset rotation.

Therefore, the bottom counterattack must use the biggest village to play the biggest plate.

How big is the disk?

One theme: it can promote employment.

Only in this dish can there be the title "Is there an asset bubble?". Because this kind of market has never relied on personal transactions and consortium transactions, but on policy transactions. This can be analyzed and considered from multiple angles as a whole, and information symmetry can be established, which can also be done by retail investors who flee from the market.

Most financial views look at this disk from the bottom up and touch it from the surface, which is slow and vague.

For example, the reservoir theory simply means that money has nowhere to go and cannot flow to the consumption field, so it naturally flows into a large reservoir, and asset prices skyrocket.

Right? That's right! But it is equal to not saying. Because it's like saying that supply and demand determine prices, and it's like saying that people will die if they live all their lives. This is the most common truth, which is useless to real life.

Look at the economy, look at politics, look at politics, look at policies, look at the distribution behind them, and look at distribution on the biggest disk. All economic problems ultimately come down to distribution. Only through here can we clearly see the changes in the disk surface.

First of all, currency overshoot is worldwide, and the contemporary economic operation mode is bound to be accompanied by overshoot, which is endless, but fast or slow, depending on the industrial volume and level.

Second, the distribution cannot be uniform. When there is a flood, it flows from top to bottom. Through various fields, relying on policies and credit, when the geese pluck their hair and trickle down to the bottom, two things are involved, price and wages. Only the bottom people decide the price, which is determined by the level of savings and wages. One is lying down, and the other is making money constantly.

There is a logic here: the price of goods, that is, consumer goods, is determined by the bottom, and the index depends on the floor. We must ensure that the goods we just need can be bought.

The price of assets, that is, investment products, is determined by the upper level. It's not unusual for the property in the core area to reach 50. 1 10,000 square meters, because it has nothing to do with any super currency.

Therefore, housing prices must be viewed from two sides, one is the carrier of property income of the whole people, and the other is played by elite circles.

Prices depend on the bottom, and the bottom deposits are taken out for consumption, and prices naturally skyrocket. Although the upper assets are huge, they actually have no influence on ordinary consumption. So the so-called reservoir theory is only effective for the bottom sediments.

Third, what is the motivation behind real estate speculation? One is to withdraw the deposit and not hide it, such as the "six wallets" theory. The second is to tap the future, that is, to increase leverage. It is still the most fundamental principle, depending on the flow of funds. Where does it end? Local government. What's the matter? Building. Any process of urbanization and industrialization is a process from big cities to small cities and from the whole country to rural areas. In the incremental era, exporting low-cost labor creates labor income, while in the stock era, it must be land income.

During the labor income period, the household registration should be fixed, and the household registration is the land income period.

In this way, from top to bottom, you can see the whole line clearly through distribution, and you can also see the motivation behind the boring numbers.

Price, wage level, credit contraction and expansion, asset price circle classification, deposit interest rate, leverage ratio, household registration system.

Now it has reached the stage of rotating the disk surface, which is the so-called forced ge stage.

At this stage, the biggest plate must be ice and fire.

One is the asset price determined by the elite, that is, the high-quality assets in the core areas of first-tier cities will rise indefinitely, because this has nothing to do with the broader market. A set of 50 million luxury houses does not involve credit, and buyers do not need to add leverage.

The other is the asset price driven by deposits and leverage, that is, some second-tier and third-fourth-fifth-tier assets have been frozen and lost their liquidity, but the asset price is still marked there. In fact, the real estate really can't move, and the value approaches zero. However, the last game is not money, but psychology. Living and working in peace and contentment is the greatest wealth, which is psychological wealth.

The vigorous household registration reform and scientific and technological innovation board represent the quality of land and industry, and the next turntable may be among them.