Is it disturbing to see such an advertisement?
If you are excited and act, congratulations on falling into the hole.
What follows is not only that you don't make money, but also that you will gain countless 6998 advanced courses.
Our business in China has bad business logic. Always say, "A toad with three legs is hard to find." I believe that people with two legs are everywhere. As a result, "smart people" in any industry began to use their brains. The common people sell whatever they lack. If the money is not enough, export the idea that you can make money without hard work. As a result, these "smart people" become full and can't make money. It doesn't matter anymore.
However, I often walk in the river and have to get my shoes wet. The starting point is wrong, and enterprises with problems in values are more prone to accidents.
Financial and business education, which is not in this internet age, has been in trouble recently, and complaints from all over the country have gathered like snowflakes, forming a huge whirlpool of public opinion.
Regarding the right or wrong of this matter, as a person in the financial industry, it is not lively here.
I just reflect on this incident with you from my cognitive perspective and learn some experiences and lessons from it.
First, don't citizens need financial education? Take my own experience as an example. I was born under the red flag in the 1980s and grew up in the spring breeze of reform. As a standard beneficiary of reform and opening up, I have gained a foothold in big cities through step-by-step struggle. It looks picturesque, but in fact, all sources of income are paid by selling my own labor, because once I stop working, I have to stop cooking at home.
Therefore, it must be very necessary to have good financial management ideas and methods, which will help us fight against life risks and increase passive income. This is finance and business education.
At the same time, with the prosperity of the country, we have more and more disposable income in our pockets, and the expenditure in all aspects has also increased accordingly. How to balance the balance of payments also requires financial thinking.
Therefore, in fact, everyone needs financial management and financial management education.
So what is the correct financial education?
In fact, whether you have started to learn financial business or not, in fact, everyone is investing in financial management.
For example, buying a house in a big city, saving in a bank, stock funds, buying insurance, buying gold antiques, investing in projects and doing business are all financial management. There is no right or wrong. Choose the right assets according to the current financial situation and needs of the family.
An 80-year-old lady next door can't fight inflation by putting money in the bank to pay interest. Can it be said that it is the wrong way to manage money? No, correct financial education will definitely vary from person to person, and different age groups will choose different financial management methods according to different risk preferences.
Judging from the risk level test of investment, there is everything from R 1 with the lowest risk to R5 with the highest risk. According to different risk preferences and different life stages, the combination of wealth management products is also different.
For example, young people who have just left school can conduct small and extensive financial management such as stocks and funds within the scope of risk control.
If you can, "bike becomes motorcycle", if not, you can't start from scratch. After all, people have youth and capital.
For retired old people, his main consideration is stability and security, and it doesn't matter if his income is low. At this time, we can consider less risky products such as bank deposits, money funds and fund investments.
At the same time, according to the family financial expenditure plan, allocate short-term, medium-term and long-term investment funds.
The third question: Is there anything wrong with the content of the financial and business education course of Micro X? I have carefully read their courses. I should say that there is no problem with the content, and it can even hit the pain point of modern family finance.
But the question is, what do you want to do Knives can not only kill people, but also save people. The key point is that people with knives only need to hang sheep's heads to sell dog meat, and if financial businessmen use educational gimmicks to "cut leeks", problems will arise.
Then there are two reasons for your complaint and investigation. First, the choice of profit point is incorrect. Profitability is normal as a company's behavior, but the premise is what value it brings to customers or what problems it solves for customers.
In the name of financial and business education, overwhelming advertising to tell others can increase passive income, with a monthly income of over 10,000. Finally, people didn't know it was a false advertisement until they paid the money.
It is strange not to complain, because I feel cheated.
Secondly, there are still problems in the current social atmosphere. Everyone wants to get something for nothing, get rich overnight and get something for nothing. "The more you pay attention to what, the more influenced you are?" The more I hope, the more uneasy I am, but I get nothing.
Finally, I want to say a word to my colleagues. The era of silly money is long gone. If every industry really loves it and is willing to spend a lifetime doing it, then to do a good job in an industry, we must have correct values and adhere to the "long-term" professionalism. After all, life is long, "whether you go out or go back, you will come back sooner or later."
At the same time, I also want to say a word to the victims of this incident. The ability to think independently is very important. Never follow the crowd. Be careful at this time, nothing is harmful to you. People are likely to come to harvest you. After all, they are not your parents. Why give money away for nothing?
All right, that's it.
I am Xiao Li, a senior financial planner. My goal is to protect 3% of China's family wealth through insurance.
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