文章目錄
😇誰是真假導師-Charlie Munger DESTROYS Fake Gurus
😇小天使啟蒙靈魂導師之一:查理芒格-Charles Thomas Munger
這是小天使的理財投資啟蒙老師之一,也是我最敬重的老師『查理芒格-Charles Thomas Munger』在其中一次的股東大會中,提到的一些有關『理財觀念的分享』。
🥸“To get what you want, you have to deserve what you want. The world is not yet a crazy enough place to reward a whole bunch of undeserving people.”
🥸要想得到,你想要的事物之前,你必須先配得上,你想要的一切。因為這個世界還沒瘋狂到,可以獎賞所有『還不配得到的人』。
查理芒格-Charles Thomas Munger
🤑投資理財~學習相關文章:
- 🤑學習美國債券ETF或債券-與小天使一起學習成長-What is US Bond ETFs or Bonds
- 🤑90年至23 年-美國聯邦基金利率-30年調整記錄-與小天使一起從歷史中深挖出真相-Fed Rate History From 1990 to 2023
- 🤑 與小天使一起學習~什麼是美國聯邦基金利率?-What is The US Federal Funds Rate
- 😎一起快速學習:QT量化緊縮QE量化寬鬆及FFR聯邦基準利率及Central Banks央行Fed美聯儲之間關係
- 💰學習長期人生理財第一課-小心真假導師-小天使分享學習人生理財-Charlie Munger DESTROYS Fake Gurus
- 💰建立長期投資該有心態-股市高點還能投資嗎?What are long-term investments?
- 🏦美國證券交易委員會-Securities and Exchange Commission (SEC)
- 🤑什麼是美國證券交易委員會 (SEC)13F表格?What Is SEC Form 13F?
- 🤑1980年到2010年間最大的股市騙局,投資前先學好歷史教訓-The Stock Scams
- 💰認識前三大ETF發行公司SPDR、Vanguard先鋒和 iShares安碩貝萊德
說真的,現在科技資訊非常發達,每個人都可以透由網路很快的搜集到你要的資源,跟百年前那種資訊的落後與滯後性是完全不一樣的,但也是因為這樣的『方便,多元多樣』所以會產生另一種『弊病』,那就是:
資訊爆炸,資訊過多過雜,過亂,資訊焦慮…等等。
所以如何挑選出『適合自己的資訊~可能是大家需要的』。
而小天使並不喜歡,這世界用『教條的方式』來告訴我,我需要怎麼做。
因我失敗過,我背高額債務過,我小額信貸過,我趨近於破產過,我經歷過生命的教訓過,我曾經迷失在金錢遊戲中~
但我知道~這些都是『成長的過程及代價』,也是因為經過這些,我才能更『了解自己需要什麼及什麼最適合自己』?
現在我理解『如果不曾犯錯~絕對找不到~自己對的路』,
但『犯錯~也絕不是藉口』,相同事,第一次犯稱『學習』,第二次犯需『小心點』,第三次~那就是『自己無知愚蠢了』。
👋所以我現在會『遠離~一直犯相同錯誤的人』🥹不是沒同情心~而是當一個靈魂『走向無知愚蠢~自我毀滅時~是會把大家拉下水的』🥹
😭因為我也曾這樣”拉人下水過”~而不自知,還怪天怪地~怪全世界😭為何不救我😭

😇”慎選”一起前進的靈魂夥伴
所以我現在也會『很小心自己的狀態』,也會很小心『與誰為伍』,
有些人一直處在『相同犯錯循環中』~不斷地循環『雖不同的~人事時地物』但卻在犯『相同的錯誤』,誰能救得了?
~我清楚~沒人~怪不了任何人~『除非他自己覺醒』醒悟自己的問題,然後選擇『感恩,祝福所有的課程』,最後放下一切~繼續前進。
而我更理解『環境不同,資金不同,年齡不同..』還有更多的..不同,我不能照抄,因為每一個人的成功,都是『獨特~無法複製的』。
在我自己的人生經驗中我學到~『真正值得跟隨的人』不是『吹牛大王或行騙之人』的人,在這世上是~少之又少的。
所以想想~『現在你在網路上接收到的』~看到的~『是神話故事?還是迪士尼神話?真實性有多少?』你真的~冷靜下來~自己認真想過嗎?
『在家工作賺5000美元一個月』那麼好賺的話,為何要告訴你?而且還先花大錢打廣告~讓你看到~?然後讓你知道~怎麼做的,增加『它商場上的競爭對手』~合理嗎?
小天使現在每天對著自己告誡:
🤓求人不如求己,拜天祭鬼神,不如拜自己,不要無知愚蠢,學習腳踏實地,一步一腳印~走向自己的人生道路🤓

😇沒有任何一種的成功是可以複製的
所以現在的我,是獨自一人生活,幾乎屏蔽了這世界絕大部分的雜音。
我不會隨意聽信『他人或是網路上散發的資訊』,因為我知道『這些人~都沒有驗證成功~或是短暫成功~就開始想要分享』。
我選擇適合自己的『引導靈魂導師』,關於理財方面有:
『巴菲特,查理芒格,雷達里歐,彼得林奇,木頭姐凱瑟琳,稻盛和夫』作為自己的『引導靈魂導師』,主要是希望自己『理念,方向,做法,目標,想法,意志』都希望與他們相似。
而且這些『引導靈魂導師們』都已經『驗證這條相似の路~長久穩定成功の道』。
而所謂的『引導靈魂導師』”不需要”教我們什麼~”也不是給我們”什麼投資建議,而是『在他們自己的人生軌跡中的種種選擇』,這就是對我們~最好的榜樣
如你願靜下心來,仔細了解這些人『他們簡單,單一,無雜念,一步一腳印地做好自己的事』,他們想的『終極目標』絕對不是『賺錢』,他們都只是單純在實踐『自己的人生目標』,在享受『前進自己目標時,所經歷的一切過程』。
而『錢~這件事』只是剛剛好,在路程中,其中一份果實,但我們都清楚,這份果實隨時都有可能會消失,所以我們都在做相同的事,不管豐收與否,都像是田裡的農夫一樣,日復一日,不斷地重新『整地,灌溉,播種,施肥,等待,收割』。
😊大家只想慢慢~自律~堅持做好~『自己當下~想做,應該做的事』。😊

😇最後~是人就會犯錯『別把任何人放在神壇上』眾生皆平等
最後要理解,是『人』就會犯錯。
不管他是『釋迦,耶穌,媽祖,老師,孔子,聖人,大師,靈魂導師』只要在『物質世界一天』,他同樣都會有『酸甜苦辣,愛恨情仇,悲歡離合,生老病死』相似的問題,所以理解:眾生皆為平等。
我們自願選擇『尊重,與靈魂導師學習』:但『絕不用~道德至高點~來看待~評價任何靈魂』。
小天使用『稻盛和夫老師』的幾句話,來總結『這些已被驗證成功,相似的靈魂導師,曾走過的路』就是:
✌️機會來時,拼盡全力
✌️永遠保持謙虛
✌️做人就要活在當下,天天反省
✌️活著能呼吸每一口氣就要感恩
✌️做人做事永遠選擇-積善利他為優先
✌️永遠不要自尋煩惱
下面是小天使把『查理芒格老師-Charlie Munger DESTROYS Fake Gurus-這段的影片字幕分享出來』
但我不幫你翻譯,因任何事,都會因接收者,當下的『語言,年齡,環境,時間,心境』都會有不同解讀。
就是隨緣吧~『希望這段影片與文字』能對你有所啟發。

😇查理芒格老師影片字幕:
If you take the modern World where people are trying to teach you how to come in and trade actively in stocks.
Well~
I regard that as roughly equivalent to trying to inducea bunch of young people start off on heroin.
It’s really Stupid.
And When you’re already rich to make your money by encouraging people to get rich by trading?
And then there are people on the TV another wonderful place,and they say.
“I have this Book that will teach you how to make 300% a Year”.
All you have to do is pay for shipping and I’ll mail to you.
How likely is it that a person who suddenly find a way to make 300% a year would be trying to sell books on the internet to you!
Yeah~It’s ridiculous~
And yet I Have described modern commerec,and the people who do this all day think they are useful citizens.
The advertising agencies who invent the lingo in insurnce they say,
“Well~They Say~“
“The Two People who shifted from GEICO to the Glotz insurence company save $400 each”
But They don’t tell is that there are only two such people in the whole United States.
And they were both nuts.
But they mislead on purpose,And I get tired of it and I don’t think it is right that we deliberately mislead people as much as we do.
Let me tell you another story,
That I think is an interesting one about the morden life,But this goes back to a difference time,
This man has this woderfual horse ,and It’s just a marvelous horse.
It is an easy gait,good look and everything,it just works wonderfully,
but also occasionally it just gets so he’s Dangerous and vicious and causes enormous damage and trouble and breaks arm and legs for his rider and so on.
And he goes to vet and say:
“What Can I do about this horse?”
And The Vet Says:
“That’s very easy problem and I’m glad to help you”.
He say:”What sould I do?”
And Men says,
“The next time your horse behaving well,Sell it”
Well~Think about it immoral that is,And haven’t I just described what private equity has to do?
When private equity has to sell somthing that is really troublesome,
They hire an investment banker
and what does the investment banker do?
He makes a projection~
I have never seen such expertize in my whole life as is created in marking projections in investment banking.
There is no business so lousy that it can’t get a wonderful projection.
But it that a great way to make a living to have phony projections and use it to make money out of.
People you look right into their eyes of?I world say ~NO and By and Large~
Warren and I,
We never tried to make money out of dumb~
Say out of Stupidity of our dumb buyers.
We tried to make money by buying,and if we will selling horseshit we did’t want to pretend it was a cure for arthritis.
And I think it is better to go through life our way,Instead of theirs.
I think it always been this way ,
I think there’s always been chicanery,
Think of the carnivals,the carny operator,
Think of how much trickery there is in a carny operation,
And People just seek out of weaknesses of their fellow man and take advantage,
And you have to get wise enough so you avoid them all.
And you can’t avoid them if they’re in your family,
I have no solution to that one.
But where you have a fair choice ,
There are just so many people that sould be avoided.
My father had this best friend and client,
and he also had this other client who is a big blowhard.
And he was always working for the big blowhard and he wasn’t everyworking for his wonderful client whom I am admired.
And I say:”Why you do this?”.
And he say:”Charlie ~you idiot”.
He say :The big blowhard is an endless source of legal troubles,
He’s always in trouble ,overreaching and misbehaving and so forth.
Whereas Grant McFadden treats everybody right.
The employees,the Customers, everything ,
and if he gets involved with some psychotic he walks over there and makes a graceful exit immediately.
So a man like that doesn’t need lawyer,
And My father was trying to teach me something and it really worked.
I spent my whole life ,Trying to be like Grant McFadden.
And I want to tell you it works~
It really works~
Peter Kaufman is always telling me, if the crooks only knew how much money you could make by being honest,Thay’d all behave differently.
Warren has a wonderfual saying:
that I like ,he says:
“If you take the high road,It’s never crowded”.
Definition of ’take the high road’
take the high road
[US]
to follow the course of action which is the most moral or most correct and which is least likely to harm or upset other people
US diplomats say the president is likely to take the high road in his statements about trade.
Easy Learning Idioms Dictionary. Copyright © HarperCollins Publishers
🌍小天使2023環遊世界🇰🇷1,2月韓國旅遊日誌文章分享:
- 1.🌍2023小天使重新開啟-環遊世界背包計畫-2023 Globetrotting Backpacker Plan
- 2.🇰🇷準備好行囊,從泰國素萬那普出發到韓國仁川機場-2023/01/20旅行日誌-From Thailand fly to South Korea
- 3.🇰🇷39小時長途旅程🇹🇭泰國芭堤雅出發🇹🇼台灣中轉再到🇰🇷韓國釜山-2023/01/24旅行日誌-39 hours long journey from Pattaya to Busan
- 4.🇰🇷我在韓國釜山訓練徒步健行的第一週,好冷的天氣啊-2023/01/30旅行日誌-My first week for training hiking in freezing Busan
- 5.🇰🇷挑戰獨自穿越-釜山荒嶺山(황령산)-2023/02/10旅行日誌-Challenge to cross Busan Hwangnyeongsan Mountain
- 6.🇰🇷達成每日20公里訓練,準備離開釜山回首爾-2023/02/21旅行日誌-Finally Achieve 20km per day and leave Busan go back to Seoul
- 7.🇰🇷韓國送我的驚喜成長禮物~韓國旅程圓滿結束~準備回泰國-2023/03/02旅行日誌-Fly bravely in the sky of my dreams~ciao Korea
🌍韓國旅遊相關資訊文章分享:
- 🇰🇷攀爬釜山荒嶺山及盃山行程規劃分享-釜山景點-Climbing Busan Hwangnyeongsan & Baesan Mountain-Busan Attractions
- 🇰🇷釜山松島纜車及龍宮橋行程規劃分享-釜山景點-Busan Air Cruise-Songdo Marine Cable Car and Songdo Yonggung Suspension Bridge-Busan Attractions
- 🇰🇷釜山-甘川洞文化村-旅遊規劃分享-감천문화마을-Gamcheon Culture Village-Busan Attractions
- 🇰🇷釜山豬肉湯飯-吃法及費用及標配套餐及多家餐廳位置-돼지국밥-分享釜山美食-Busan Pork Soup restaurant
- 🇰🇷釜山國際市場,富平罐頭市場,釜山塔-釜山美食景點-行程動線規劃分享-Gukje Market,Bupyeong Kkangtong Market,Busan Tower-Busan Foods and Attractions
- 🇰🇷釜田市場-부전시장-釜山美食景點分享-Busanjin Market-Busan Foods and Attractions
- 🇰🇷簡單介紹如何乘坐韓國首爾及釜山市區公車-About Busan or Seoul City Buses
- 🇰🇷簡單快速介紹韓國T-Money Card-韓國旅遊必備-About T-money Card in South Korea
- 🇰🇷分享小天使釜山行のKakao Map儲存眾多吃喝玩樂地圖資訊連結
- 🇰🇷韓國釜山傳統市場位置及物價分享-Korean Busan Traditional Market
- 🇰🇷韓國觀光火車種類簡單介紹-Korea Travel Train Type Guide-Korea Tourist Trains
- 🇰🇷韓國仁川機場AREX捷運-線上訂票系統使用分享-AREX Incheon Airport MRT online booking system
- 🇰🇷韓國仁川機場-AREX機場直達捷運-現場購票機使用分享-Buying Incheon Airport AREX Express Tickets from a vending machine
- 🇰🇷韓國火車站-自動售票機-現場買票教學分享-Buying KORail train ticket from a vending machine
- 🇰🇷詳細介紹首爾火車站-火車,地鐵,機場快捷,公車,計程車位置及出口說明-About Seoul Station-Train, Metro, AREX Express, Bus, Taix Exit
- 🇰🇷首爾捷運地鐵-自動售票機,退押金機及T-money儲值機使用分享-Purchase Metro ticket and Top up T-Money Card in Seoul
- 🇰🇷釜山捷運地鐵-自動售票機及T-money儲值機使用分享-Purchase Metro ticket and Top up T-Money Card in Busan
🌍歐洲旅遊相關資訊文章分享:
- 🇪🇺什麼是申根區?歐盟?歐元區-小天使簡易快速為你介紹-What is Schengen Area?European Union?Eurozone?
- 🇪🇺如何計算歐洲申根區合法停留時間-Calculate Your Legal Short Stay in Europe Schengen Area?
- 🇭🇺介紹匈牙利貨幣-福林及如何最佳換匯方式-Hungary Currency-Hungarian Forint
😇親愛的朋友們,小天使只是個
『旅行在世界的半退休狀態背包客』
分享移居旅遊世界各地資訊~都只是
『自己自助完成~曾經的經驗過程分享』😇❤️
如有”不太正確瑕疵”地方多多包容~小天使會盡量不斷改進修正喔~愛大家❤️ 😇
我是18年覺醒的小天使😇現在跟著上天宇宙高我😇地球媽媽🌍在世界旅行,學習跟執行小天使此生的任務
💪永遠祝大家:健康,自由,獨立,自愛,豐盛,富有,富裕😇找到心之所向❤️
- ❤️小天使官網:小天使會不斷更新分享『移居海外及旅遊』相關資訊喔~
https://garudainthai.com/ - ❤️小天使粉絲頁:『最新資訊』都最會最先公佈在粉絲頁中喔~
https://www.Facebook.com/garudainthai/ - ❤️小天使旅遊頻道:分享小天使旅遊日誌~
https://www.youtube.com/c/GarudaTrip - ❤️小天使移居海外頻道:分享小天使移居海外過程~
https://www.YouTube.com/c/garudainthai/
😁@/斜/槓/人/生-Slash~它是我現在學到的,一種可體驗『多種不同的生活態度!』的人生方式 😁
❤️而當你越感恩每刻每秒自己周遭發生的一切,尊重每個靈魂都有「自己的選擇」❤️
❤️而我們能做的是「做好自己」,努力謹守自己的一言一行❤️
❤️真心誠意做好做到:善言,善心,善行,且不拿自己的尺去量別人的度❤️
❤️小天使不管在哪永遠分享光和愛智慧與祝福給大家~愛你喔~Love You❤️