增值陷阱

• 阅是喵

  2020-07-08
  抗拒改变：人们天生倾向于喜欢自己熟悉的东西，并且尽可能维持原样不变。行为经济学家称之为“维持现状偏好”。
• 阅是喵

  2020-07-08
  当人们把决定看成明确更偏好哪一个的时候，他们侧重于选项值得肯定的特点。当被要求取消一个预定时，人们会更多地以其可否定之处作为考虑的重点。
• 阅是喵

  2020-07-08
  当问题被理解成有多少人的生命可以得救时，人们倾向于谨慎，以尽可能多地挽救生命。但从失去生命的角度看，人们更愿意倾向于冒险，宁愿大胆放手一搏。
• 阅是喵

  2020-07-08
  信用卡就是“心理记账博物馆”中最可怕的展品。信用卡和其他类型的循环贷款几乎必然就是心理账户，而且属于那种危险一族。
• 阅是喵

  2020-07-08
  无论在何处交易，股市、房地产市场还是超市，我们都会在金钱的处理上做出愚蠢的举动，致使每年付出成千上万的代价。
• 阅是喵

  2020-07-08
  纠正与理财有关的行为就像改进高尔夫的挥杆动作，或与姻亲处好关系，都需要时间，而且每次修正都有引发一系列新问题的危险。
• 风雨英雄

  2020-05-10
  有个简单的方法可以更容易做出决定，那就是改变你的参照系。我们发现此法之所以有用，是因为它以中立的态度对待决策。换句话说，它促使自己从零开始，而不是从现状出发考虑问题。
• 风雨英雄

  2020-05-10
  确认偏误几乎会影响你做的任何决定。无论你对某个对象的偏好多么无意识，一旦形成偏见，它就难以改变。顺便说一句，这种偏见既会让你赞同一个特定的人、产品或投资，也会让你反对它。基于最初的反应，你会不喜欢某种东西，并记住这种偏见。随后，即便看到其积极的一面，也不觉得它的意义大到足以产生什么影响。
• bbodliu

  2013-01-27
  1： Broaden your personal board of advisers.2:When in doubt, check it out.3:Get real: 不要过度悲观，也不要过度乐观4： Be maximaly aware of minimum payments.5: Finally, be humble.
• bbodliu

  2013-01-27
  People often hear what they want to hear. ... Unfortunately, knowing that such a bias exists is one thing,; fixing is another
• bbodliu

  2013-01-27
  Anchoring is really just a metaphoric term to explain the tendency we all have of latching oneto an idea or fact and using it as a reference point for future decisions. Anchoring can be particularly powerful because you often have no idea such a phenomenon is affecting you
• bbodliu

  2013-01-26
  The bigness bias Meet Jill and John, twenty-one-year-old twins who just graduated from college. Jill, immediately upon entering the workforce, began contributing $50 a month to a stock mutual fund and continued to do so for the next eight years, until she got married and found more pressing uses for her money. John, who married his college sweetheart immediately upon graduating and soon after started a family, didn't start investing until he was twenty-nine. Then he, too, contributed $50 a month to the same stock fund, and he continued doing so for thirty-seven years until he retired at age sixty-five. All told, John invested $22,200 while Jill contributed just $4,800. At age sixty-five, which of the two siblings had the most money assuming they earned an average of 10 percent a year?
• 西西弗斯的困境

  2012-06-14
  划分心理账目：指人们会根据钱的来源、存放的地方和花用的方式将金钱加以归类并赋予不同价值<图片1>
• 星宇先生

  2020-03-19
  多数情况下，这种遵从是好事，它是社会能够正常运转的原因之一：如果大众不遵从某些行为规范，开车的人就会害怕迎头传记，更别提制定法律制度和成立政府，让生活其中的人总体上同意遵守一种特定的思想意识（比如民主）和大量的规则了。
• 星宇先生

  2020-03-19
  乐观是一件好事，它让世界得以前进。真正的问题在于，由于先前积累了一些经验，人们无法自抑地变得乐观。