Business and Money Tips

什么是“第一性原理”？为什么它可能是普通人的致富秘诀？ 很多人以为，第一性原理就是“想得更深入”。 其实不完全是。 第一性原理（First Principles Thinking ）的核心，是把别人告诉你的答案、社会习惯和自己的假设暂时放下，然后追问： 这件事情最基本、最不能再拆解的事实是什么？ 我真正要解决的问题又是什么？ 然后从这个“第一点”， 重新思考答案。 例如，别人都说：“要赚更多钱，就要更努力工作。” 第一性原理会问：我真正要的是“工作更多”，还是“创造更多价值”？ 如果财富来自价值，那么问题就变成： 我怎样用更少的时间，为更多人创造更大的价值？ 思考方向马上改变了。 所以我认为，第一性原理可能是一个重要的致富思维——不是因为它保证你发财，而是因为它帮助你停止盲目复制别人，开始寻找真正创造价值的方法。 普通人如何把第一性原理用在整个人生？ 我会把它简化成一个问题： 我真正要的到底是什么？ 人生领域 我们通常追求 第一性原理 真正要问 事业 升职、头衔 我要头衔，还是更大的价值、能力与影响力？ 家庭 给家人更多钱 家人真正需要的是钱，还是安全感、陪伴与被重视？ 爱情 找到“完美的人” 我要一个完美伴侣，还是一段让彼此成长、幸福的关系？ 友情 认识更多朋友 我要更多联系人，还是几个真正可以交心的人？ 生意 卖更多产品 顾客为什么要给我钱？我究竟解决了什么问题？ 交际 让更多人喜欢我 我需要讨好别人，还是建立真正的信任？ 休闲 玩得更多 休闲的目的是什么？逃避生活，还是恢复身心能量？ 健康 吃补品、减肥 健康的根本是什么？睡眠、运动、饮食、压力和长期习惯。 你会发现，第一性原理最厉害的地方不是让我们做更 多。 恰恰相反，它帮助我们 去掉大量没有必要的东西。 第一性原理与“爱的智慧” 这与我所说的**爱的智慧（LQ）**其实非常接近。 我把它浓缩成三个C： Care 关爱——我真正关心的目的是什么？ 不要因为别人都在做，就跟着做。 Courage 勇气——为了真正的目的，我敢不敢不做那些不重要的事？ 第一性原理需要勇气，因为你可能必须挑战“大家一直都是这样做”的观念。 Connection 连接——我有没有与真正重要的人、事以及自己的内心保持连接？ 因为有时候我们得到了想要的东西，却失去了真正重要的东西。 赚到了钱，却失去健康。 事业成功，却失去家庭。 认识很多...

什么样的老板会把6,000万人民币的现金堆在桌上，并鼓励员工多拿一些？ 他就是河南矿山起重机的创始人——崔培军。他的慷慨之举，与胖东来老板于东来一样，都非常值得关注。 河南矿山起重机究竟有何特别之处？ 河南矿山成立于2002年，主营起重机制制造。崔培军表示，这种发放现金的传统早在2004年就已开始，远早于近几年在社交媒体上引发轰动的年会发奖金风潮。2025年，该公司报告的净利润为2.7亿元人民币。 而其年终奖总额达到了约1.8亿元人民币，相当于报告利润的三分之二，其中约6,000万元是在年会上以实物现金形式发放的。 这种福利贯穿全年： -妇女节福利、 -中秋节福利、春节福利，以及麦收补贴 -在2026年，员工们不仅收到了1,000元的麦收补贴，还获得了带薪假期以回家收割小麦 -还有各种自发的关怀：员工父母能收到节日礼物，并享受公司出资的旅游机会。 据报道，许多员工在扣除社保和公积金后，月纳税后到手收入可达7,000至8,000元。要知道，河南的员工平均月薪约为3,500元，因此河南矿山的薪酬轻松高出平均水平的60%以上。 供应商也同样感受到了这份关怀。在2026年9月的中秋庆祝活动中，据报道有四家获选的供应商各获得了20万元人民币的奖励。 崔培军将这些奖励与拒绝供应商的礼品和现金（反商业贿赂）联系在了一起。客户也能从促销活动中受益，例如2026年2月推出的“签单即送红包”活动。虽然这些都是有据可查的例子， 但它们并不能证明该公司已经建立起了一套等同于胖东来的客户补偿系统。 尽管崔培军出手阔绰，但熟人眼中的他却保持着非常朴素的个人生活习惯。在《环球人物》的一次采访中，有人回忆道，他经常吃馒头配咸菜，一张掉皮的办公椅用了20多年，而且出门旅行时经常坐夜班火车吃方便面。 崔培军和于东来都有着一个强烈的信念：创造财富的人应该享受财富带来的回报。两人都将慷慨的员工回报与对质量、贡献的高标准要求相结合。他们也都建立了规模庞大的企业：河南矿山2025年的产值达到112亿元人民币，同比增长8.7%；而胖东来报告的2025年销售额则接近390亿元人民币。他们的成功令人鼓舞，尽管慷慨本身并不能完全解释这一切。 他们两人与那种典型的“榨干所有人以致富老板”的传统模式形成了鲜明对比。我们知道，压榨每个人虽然能在短期内榨取利益，但会使员工精疲力竭、削弱供应商并侵蚀客户信任。 而他们的方法提示...

What kind of boss puts RMB60 million in cash on tables and encourages employees to take more? Meet Cui Pei Jun (崔培军), founder of Henan Mine Crane . His generosity deserves attention alongside Pang Dong Lai’s boss Yu Dong Lai (于东来). But one clarification matters: public figures do not establish that Henan Mine Crane pays more per employee. What they reveal is an extraordinary commitment to sharing success. What's so Special about Henan Mine Crane? Founded in 2002, Henan Mine Crane manufactures cranes. Cui says its practice of distributing cash began in 2004, long before these celebrations became social-media sensations. For 2025, the company reported RMB270 million in net profit. Its year-end bonuses totalled approximately RMB180 million, equivalent to two-thirds of that reported profit , including around RMB60 million distributed physically at the annual celebration. The rewards extend throughout the year:   Women’s Day payments, Mid-autumn payments, Spring Festival payments,...

Mindfulness can help you win without fighting. Be mindful, not mindfull.  Yes, you do not need to sit down to meditate to have Mindfulness, which can be easily achieved daily in the following 7 ways: 1. Minding the mind: what is the mind doing now? Watch your emotions, instead of being the emotion. You do not have to own your thoughts and emotions.  Tap into a calm state of mind amidst the emotions.  Eg when you feel angry, experience the anger and let it pass.  You are not anger. 2. Practise kindness when you don't feel good, "May I be happy and well" 3. Watch your breathing  4. Mindful walking: walk and let your mind go at ease, and just be aware of your steps. 5. Mindful eating .  Just eat, notice the taste of food 6. Mindful talking : speak with kindness even when you need to be harsh. Don't react 7. Meditate before sleep : just 5 to 10 minutes of following your breath going in and out. Turn your attention inwards. 

When You Are Not Getting What You Want, Go Back to the 3Cs Many people become frustrated when they don't achieve what they want. So they look for someone who has succeeded before them. They ask:  “What's the secret?” “What strategy did you use?” “What am I doing wrong?” My answer is often much simpler: Go back to basics. And my basics are just three things: Care. Courage. Connection. 1. CARE — Do You Care Enough About the Purpose? Care doesn't mean working harder. It doesn't mean spending more hours preparing or making everything perfect. It means:  Do you care enough to understand WHY you are doing it? Imagine you are organising a reunion for old classmates.  You can spend weeks designing the perfect poster, choosing the best restaurant and planning entertainment. But what is the real purpose?  To eat?  To be entertained? Or to bring old friends' hearts together again? Once you understand the purpose, suddenly you know what really matters and what doesn't. That...

车资上涨7%，我反而要省14%——这就是超级我 新加坡公共交通车资将从 2026年12月26日 起上涨约 7% 。 一般人的第一反应可能是： “又涨价了，我还能怎么办？” 但超级我会问另一个问题： “环境我控制不了，但我可以做什么，让自己的交通费反而下降？” 这就是超级我 SuperME 与一般思维最大的不同： 不是被改变牵着走，而是利用改变，让自己变得更好。 车资 +7%，我的目标却是 −14% 假设你现在每个月花 $100 在交通上。 车资上涨7%，同样的生活方式，交通费可能变成约 $107。 但 SuperME 可以给自己一个挑战： 不是接受 $107，而是把原来的 $100 降低14%，变成 $86。 怎么做到？ 短程能走就走；一次出门完成几件事，减少不必要的来回；善用转车和非繁忙时段优惠；如果经常搭车，也比较一下月票是否更划算。 但是，释放超级我 真正要改变的，不是这 $21。 而是你面对问题的方式。 这就是 Purpose、Love、Gratitude——目标、爱与感恩。 Purpose 目标：省钱，也让自己更健康 不要只是为了省几毛钱而走路。 把它变成一个更大的目标： 我要省钱，也要更健康。 原本令人不开心的车资上涨，反而成为改变生活习惯的推动力。 问题没有消失，但你把问题变成了价值。 Love 爱：从超级我 SuperME 到 超级我们SuperWE 走路时，可以陪伴家人。 出门时，可以约朋友一起走一段路。 看到长辈不知道有什么优惠，也可以主动帮他们了解。 当你的改变不只是帮助自己，也让身边的人生活得更好， SuperME 就开始变成 SuperWE。 Gratitude 感恩：看见自己已经拥有的财富 感恩不是假装车资没有上涨。 而是在上涨之后，仍然看见自己已经拥有的东西： 可以走路的身体、方便的公共交通、陪伴家人的机会，以及重新规划生活的能力。 感恩不会让7%的涨幅消失，却可以改变你面对这7%的方式。 这就是超级我 不是人生没有问题。 而是： 问题来了，你不只是问“为什么是我？” 而是问：“我可以把它变成什么？” 车资涨 7% ？ 我挑战自己省14%。 生活成本上涨？ 我创造更多价值。 环境改变？ 我先改变自己。 这就是释放超级我  SuperME U...

Three Big Problems. One Human Response: Love Intelligence. We are living through three powerful sources of anxiety: Rising cost of living. In Singapore, consumer prices were 2.3% higher year-on-year in August 2026, with recent energy and transport-related increases adding pressure.  Fear of losing jobs to AI. The evidence is more nuanced than “AI is taking all our jobs”: the ILO says large-scale displacement remains limited so far, but AI is reshaping work and increasing the importance of higher-order cognitive, socio-emotional, adaptability and human-agency skills.  War and geopolitical uncertainty. The Iran conflict continues to affect energy, shipping and businesses globally, while diplomacy remains uncertain. These look like three completely different problems. But perhaps they share one question: How should human beings respond when the world becomes more uncertain? My answer is Love Intelligence: Care, Courage and Connection. CARE when costs rise. Don't simply complai...

Singapore's public transport fares will rise by 7% from 26 December 2026 . Adult card fares will increase by 12–13 cents per journey. Most people will ask:  "Why are fares going up again?" A SuperME asks a different question: "What can I do so that I actually spend less?" That is the difference between reacting to change and unleashing yourself through change . Don't Accept +7%. Turn It into −14%. Suppose you currently spend $100 a month on transport.  A 7% increase could turn that into $107. But instead of accepting $107, set yourself a SuperME Challenge : Reduce your original $100 spending by 14% to $86. That means finding $21 of smarter choices compared with simply continuing your old travelling habits after the fare increase. How? Walk instead of taking a bus for short journeys.  Combine appointments so that you make fewer trips.  Use Singapore's distance-fare transfer rules intelligently. Travel before the morning peak when practical—commuters tapp...

When President Donald Trump states that the U.S. will hit Iran "very hard" but that the conflict will end "very soon, one way or the other", it sounds like typical political bluster. However, viewed through the lens of Sun Tzu's The Art of War , this dynamic actually reflects classic strategic principles of endgame pressure, economic strangulation, and forcing an opponent's collapse. Translated for a layman, here is why a strategic analysis using Sun Tzu suggests the conflict is nearing a tipping point: 1. "All Warfare is Based on Deception" (The Strategy of Maximum Pressure) Sun Tzu’s Principle: Sun Tzu teaches that when you are strong, you should appear formidable, and you must break the enemy’s resistance without actually having to destroy everything, if possible. The Layman Translation: Trump’s public declarations and military positioning (such as moving additional carrier groups and threatening severe strikes) are designed to convince Tehra...

Why Your Favorite Neighborhood Shops Are Empty (And Why They Won't Stay That Way) Have you walked down your local high street recently and felt a pang of sadness? Block after block, once-vibrant storefronts sit empty with dusty windows, "For Rent" signs, or strange pop-up displays. It feels like every neighborhood favorite is disappearing, replaced by hollow ghosts of commerce. If you have ever asked yourself, "Why would a landlord rather let a shop sit empty for two years than just lower the rent?" you are touching on a strange quirk of modern finance. But don't despair, while the system looks broken, history and basic economics tell us that market forces always win in the end. The Mystery of the Stubborn Landlord To understand why shops stay empty, you have to look at how landlords borrow money. Many commercial buildings are tied to massive bank loans. When a bank lends money, it bases the loan amount on how much rent the building is supposed to make on ...

婚姻到最后，靠的不是爱情，而是爱的智慧 其实，我们不必太羡慕别人的婚姻。 朋友圈里的恩爱，未必就是婚姻的全部。 两个人生活十年、二十年、三十年，怎么可能永远保持最初的新鲜感？ 人会变。 身体会变，事业会变，环境会变，需求也会变。 外面的诱惑不会消失，生活的压力也不会因为结婚多年而减少。 所以真正困难的，从来不是 爱上一个人 。 而是： 爱了很多年以后，还懂不懂得继续爱这个人。 有些夫妻到了中年，已经不是在相爱，而是在 相熬 。 熬到不想争了。 熬到彼此妥协。 熬到孩子长大。 熬到最后，甚至已经不知道留下来究竟是因为爱、责任、习惯，还是害怕改变。 可是，婚姻一定只能靠“熬”吗？ 我不这么认为。 真正能够走得长久的关系，需要的不是永远有感觉，而是两个人都有能力 经营爱 。 这就是 爱的智慧（LQ） 。 关爱 Care ——相处几十年以后，仍然愿意看见对方的需要，而不是把一切视为理所当然。 勇气 Courage ——关系出了问题，敢说真话、敢面对、敢改变，而不是用沉默把问题埋起来。 连接 Connection ——即使每天见面，仍然愿意重新认识对方，进行深度对话，让两颗心不要越走越远。 所以婚姻真正要经营的，不只是对方。 更是 自己的内心 。 少一点计较，多一点理解。 少一点“为什么他不爱我”，多一点“我还有没有好好地爱？” 因为婚姻最大的危机，往往不是两个人不再住在一起。 而是： 两个人还睡在同一张床上，心却已经分开很多年。 爱情让两个人走在一起。 责任可能让两个人留下来。 但真正能够让两个人走得久、走得好，而且一起成长的， 是爱的智慧。

Marriage Ultimately Depends Not on Love, but Love Intelligence We don't really need to envy other people's marriages. The loving photos we see on social media rarely tell the whole story. When two people live together for 10, 20 or 30 years, how can everything possibly remain as exciting as when they first fell in love? People change.  Our bodies change. Careers change. Circumstances change. Needs change. Temptations don't disappear just because we are married, and neither do the pressures of life. So perhaps the hardest part of marriage isn't falling in love with someone . It is this: After loving someone for many years, do you still know how to love that person? Some marriages eventually become less about living together and more about enduring each other .  We endure until we stop arguing. We endure until we compromise.  We endure until the children grow up. And eventually, we may not even know whether we are staying because of love, responsibility, habit, or simply ...

顾问委员会的五大误区与真相：为什么你的企业可能需要一个？ 许多企业需要专业知识、人脉资源和独立视角，却还没有必要增聘高级管理人员或增加正式董事。 顾问委员会（Advisory Board）或许正是答案。然而，很多企业对它仍存在误解。 误区一：只有大企业才需要顾问委员会 真相：成长型企业可能更需要。 中小企业通常缺乏某些专业能力，例如财务、AI、企业治理、可持续发展、国际市场开拓和接班规划。 顾问委员会让企业无需全职聘请多名高管，也能获得这些经验和资源。 误区二：顾问委员会就是另一个董事会 真相：两者的角色完全不同。 董事会拥有正式决策权，并承担相应的法律责任。 顾问委员会则提供建议、挑战假设，并提出行动方案；最终决策权仍然属于董事会或管理层。 误区三：成立顾问委员会一定很贵 真相：可以根据企业的需要和预算灵活设计。 顾问可以按年、按次或以股权方式获得报酬，也可以采用组合模式。 一个目标明确、由三名成员组成的顾问委员会，成本可能远低于聘请多名高级管理人员；它帮助企业避免的一次重大错误，甚至可能已经足以抵消全部费用。 误区四：顾问委员会必须由名人组成 真相：相关性比知名度更重要。 最好的顾问未必是名气最大的人，而是能够理解企业挑战、提出尖锐问题、提供互补经验，并愿意投入时间的人。 误区五：顾问委员会能够解决企业的一切问题 真相：管理层愿意聆听并采取行动，顾问才能创造价值。 顾问委员会无法拯救模糊的战略、软弱的领导或低效的执行。 它能否发挥作用，取决于是否拥有清晰目标、真实信息、聚焦的会议，以及会议后的持续跟进。 为什么你的企业可能需要一个？ 如果企业正面对以下情况，就值得考虑成立顾问委员会： 进入新的市场或行业 引进AI或其他新技术 融资或准备扩大业务 加强财务治理与风险管理 规划接班或推动家族企业专业化 面对超出管理团队现有经验的重大决策 好的顾问委员会不会替你经营企业。 它帮助你看见自己看不见的，取得自己没有的，并在一切太迟之前，作出更好的决定。

Top 5 Myths and Truths About Advisory Boards—and Why You May Need One Many companies need expertise, connections and independent perspectives—but are not ready to hire more senior executives or appoint additional directors. An Advisory Board may be the answer. Yet many businesses misunderstand how it works. Myth 1: Advisory Boards Are Only for Large Corporations Truth: Smaller businesses may benefit even more. Growing companies often lack specialised expertise in areas such as finance, AI, governance, sustainability, international expansion and succession. An Advisory Board gives them access to experienced people without employing them full-time. Myth 2: An Advisory Board Is Another Board of Directors Truth: The two perform different roles. A Board of Directors has formal decision-making powers and legal responsibilities. An Advisory Board offers advice, challenges assumptions and recommends possible actions—but management retains the final authority. Myth 3: Advisory Boards Are Expe...