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The best solution to combat inflation is actually debt!

The smartest way to fight inflation is not to save money, but to make good use of low-interest debt.

When the borrowing interest rate is lower than the inflation rate, you are actually "earning purchasing power."

As long as you invest your money in a stable investment with an annual return of 5% or more, the interest rate difference will become your inflation dividend.

Knowing how to let debt create cash flow and let time pay you back is the starting point of true financial freedom.

I don't want anyone to get hurt!

"Not wanting to hurt anyone" sounds considerate, but it's actually an escape.

The ones who are really hurt are those who care about you but are rejected.

Kindness is not about pretending to protect, but about taking responsibility bravely and expressing it clearly. Even if it makes someone sad and upset, it is more cruel than trapping people in lies.

Some simple terms in insurance

"FYC" is the abbreviation of First Year Commission, and its full Chinese name is "First Year Commission". 

It refers to the commission that an insurance agent can receive in the first year, which is usually calculated based on a certain percentage of the first year's premium.

Strong words spoken softly are more powerful than loud shouts

It’s not that you can’t say harsh words, but you have to know how to say them softly.

Fighting loudly will only make people resist, but speaking softly can touch their hearts.

Truly powerful people don’t rely on their volume to overwhelm others, but rather on their discretion to persuade.

Because what you want is not winning or losing, but for the other person to understand.

Q11: What is a variable annuity?

It is a retirement insurance tool that combines capital preservation with flexible returns.

Insurance companies will publish a "declared interest rate" every year based on investment results, which is used to calculate the value-added effect of policy accounts.

Unlike fixed annuities, the advantage of variable annuities is that they balance protection and growth flexibility, making them the first choice for many mid- to long-term retirement fund planners.

What is the cheapest thing in the world? Probably giving!

The cheapest thing in the world is unlimited giving.

When you give your heart and soul but it's taken for granted, your giving loses its value.

The truly worthwhile effort is to devote your time and energy to the right people and the right things with discretion and choice.

Don't let yourself become cheap. Learn to retain and screen, and make your efforts an investment rather than a consumption.

Q10: If I am in poor health upon retirement, can I still use my insurance?

The value of insurance lies in "preparing in advance when you are healthy so that you don't have to worry about the future."

Especially for policies covering major injuries, cancer, long-term care, etc., once the underwriting is passed and premiums are paid continuously, the coverage will remain valid over time.

Therefore, making plans when you are healthy is equivalent to buying peace of mind for your future self.

Q9: Do I still need insurance after retirement?

After retirement, the source of income is relatively stable. Once faced with an emergency, without the support of insurance, it is easy to fall into financial difficulties.

Maintaining appropriate medical, cancer, long-term care and other insurance coverage is key to ensuring a stable and secure retirement life.

Insurance is not optional, but a necessary backup for the second half of your life.

All kind and interesting souls will always meet at the same frequency

Life is a process of subtraction. Only by letting go of unworthy people and things can we have space to embrace beauty.

When it’s time to break up, break up; when it’s time to give up, give up; bravely withdraw from unnecessary entanglements.

It seems like losing, but in fact you are gaining!

You let go of burdens and gain ease; you give up obsessions and welcome freedom.

Coffee: A Cultural Journey from Medicinal Drink to Daily Refreshment

Coffee was first used as medicine in the Arab world, to invigorate the mind and aid digestion. Later, it entered Europe and became a drink for cultural exchange.

Modern people’s discomfort with coffee is mostly caused by lactose intolerance or drinking milk coffee on an empty stomach, rather than the coffee itself.

Commercial beans are often mixed with defective beans, over-roasted, poor in flavor and have health concerns.

If you want to drink it healthily, choose fresh beans, avoid the burnt taste, drink black coffee first, and drink it on a light stomach. 2-3 cups a day is enough.

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