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I have a friend who is like this, and he is also a boss with a net worth of more than 10 million.
It is precisely because of the boss that the use of funds can be said to be extreme. I talked to him once, and he simply gave me a few examples, and after listening to them, I almost broke my big teeth!
No idle funds are allowed to be placed in the bank!As long as there is money in the account, it will either be made into a wealth management product, or it will be used for the circulation of purchase and sales, and at worst, it will be put in Alipay for a few days. Otherwise, he felt that it was taking up the cost of capital and a great waste of funds!
Any amount due will be delayed。Of course, this is on the premise of not affecting the business, because he has to use this part of the funds to make the shortest term of capital income to ensure that the financial benefits are maximized. So naturally, his business dealings will never allow receivables to exist, as long as it is a transaction, it must be a cash, this point, he said that he is a Dong Mingzhu!
Never spend more than you budget or ahead of your budget!For example, mortgage payments, property fees, and utility bills, he will not pay a large amount of money in advance for deposit, but will pay it when it is due, so that his funds will be in a benign turnover state.
Purchases must be made by credit card, never cash. Because that's the only way, justYou can postpone cash expenditure for only one purpose, or to ensure that you have sufficient cash flow in hand.
Therefore, just use buying a mobile phone as an example, now the mobile phone is updated quickly, the same mobile phone, he will not use it for more than 2 years, even if it is a high-end machine, it is the same, because for him, the mobile phone is just a contact tool, enough on the line, and the current thousand yuan machine is still very wide! At the same time, for the money to buy a mobile phone, he will definitely choose to pay in installments interest-free or even zero down payment, according to him, the money saved can be paid to an employee's salary for another month.
It's a bit of a pick, but when I think about it, I think, in fact, what he said makes a lot of sense!
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Now the development of digital products is too fast, thousands of eight hundred yuan of mobile phones are not distressed, and the functions are very complete, if you buy a large mobile phone, want to change to a new one is a little too wasteful.
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Because they couldn't come up with so much money at once, they used a 1,000 yuan mobile phone. It's reluctant to buy a high-end machine for a few thousand dollars.
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There is not a high demand for cost performance. It is better to buy an ordinary mobile phone at a low cost, and there are not too many high requirements for the use of mobile phones.
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Buying a thousand-yuan machine every year means that there is only a budget for these mobile phones every year, and it is very different to take out 4,000 yuan at a time and 4,000 yuan in three years. Although the thousand-yuan machine is not high-end, it is enough, and it can always be replaced with a new one every year.
What's more, the mobile phone has been updated so quickly in recent years, you can really buy a 5,000 yuan machine, and the configuration will be outdated in two years at most. I bought the Pro at the best time of the P20 in 2017, and it cost more than 4000 to participate in the event, but the model that was so popular that year was replaced by the P30 after only a year, and now even the P30 has been eliminated by the P40.
A few days ago, I saw that a low-end brand sold a model of 1699 was actually 8G+128G configuration. In more than two years, more than 4,000 machines have not caught up with the current more than 1,000 models. So even if you buy a machine for a few thousand dollars, it is impossible to use it for several years.
In fact, the so-called poor quality of the thousand-yuan machine is mainly not the hardware of CPU and memory, but the gap in the screen, camera, battery, etc., for people who rely too much on beauty software, but don't know anything about photography, can you use Leica with 4 cameras? Three or even two cameras of an ordinary machine are enough to meet the needs.
The battery also doesn't matter, because many people who are used to using their phones while charging will not spend more money for the length of the battery life at all. Not to mention the screen, something as big as a TV, an imported 4K screen, a domestic 2K standard that can't be reached put together,**The same film, most people can't see the difference in picture quality, not to mention the small viewing area of a mobile phone.
Therefore, for people who don't have a lot of money, don't understand the screen, don't use the rear camera, don't play large games, and don't care about battery life, the 5000 yuan model is not much different from the 1500 model, they only look at the memory and memory, and don't look at other parameters. Of course, choosing the most inexpensive thousand-yuan machine can also create the impression that you often change your mobile phone. It not only satisfies the needs but also pretends to be, so why not.
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Because high-end mobile phones will be stuck after a long time, and they will also be fresh, change a mobile phone every year, so that you can meet your desires, and you can also keep up with the trend.
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Because mobile phones are updated too quickly, and there are many high-end machines that many people can't use, there are many problems with high-end phones.
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Because there are many people who don't have money, and there are some people who feel that buying a high-end machine is a bit of a waste, and such an investment is not worth it.
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I am this kind of person, because I think that electronic products are updated quickly, and mobile phones are just a tool, there is no need to buy high-end machines, ordinary thousand-yuan machines can be used.
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Because it is not distressing to buy a thousand-yuan machine, even if you lose yourself, you can buy another mobile phone, and the high-end machine is very expensive, so many people are reluctant to buy it.
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The most important thing is that the mobile phone is updated and iterated too quickly, if you buy a high-end machine, for example, it is possible that the chip used in the high-end machine will be surpassed by some low-end machines in the chip in the next few months.
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Because they have different ideas, they think that they can change to a new machine every year, which is very good.
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Mainly because the thousand-yuan machine is enough, there is no need to buy a high-end machine.
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It is because many people think that these mobile phones will break down sooner or later, so they are reluctant to spend so much money to buy them.
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It is because some people feel that buying a high-end mobile phone at one time is particularly expensive, and they can't afford it, so they will buy a thousand-yuan mobile phone.
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Many people would rather buy a slightly more expensive mobile phone, because the living conditions are better and young people want to save face.
According to the latest 2014-2019 distribution of China's smartphones released by the China Academy of Information and Communications Technology, the mid-range mobile phone has become the fastest growing and highest share of the price segment, accounting for 49%.
After all, at this stage, the consumer groups that can accept advanced consumption and have relatively high requirements for mobile phones are mainly concentrated in the young consumer groups aged 20-30, and this group actually accounts for only about 8% of the total domestic population. Therefore, the mobile phone that can be bought for half a month's salary will become the model that many people give top priority to, which is also in line with the general consumption habits and national conditions of domestic consumer groups.
Improvements in mobile phone functionality.
Most consumers' demands for mobile phones are smooth systems, clear screens, good signal performance, and battery life. For these four needs, the current mid-range mobile phones can all be met. And due to the positioning and positioning advantages of mobile phones, most mobile phones will be equipped with larger capacity batteries.
For example, Redmi Note9, the 4G version is equipped with a 6000mAh ultra-large capacity battery, coupled with a processor with low power consumption and a not-so-extreme screen, the battery life of the mobile phone is actually better than a large number of high-end mobile phones. In order to ensure the feel and texture, most of the current flagship mobile phones are not equipped with too large capacity batteries, coupled with the surge in processor and screen power consumption, they are basically in a state of battery life consumption.
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I can only say that a large part of it is due to the fact that the thousand-yuan machine is stuck to death after less than a year and a half. The speed bottleneck of modern electronic devices is that the flash memory is slow and the speed drops are fast. It is a must-use flash memory for a thousand-yuan machine, and I can only say that it is destined for a thousand-dollar machine every year.
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Because the performance of the thousand-yuan machine has basically not improved for so many years, the 660 battle is still not playable.
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A few years ago, you used a thousand-yuan machine, and your circle was also a thousand-dollar machine, but now it's not, your surroundings have changed, not the whole environment has changed, you have to talk about data, Double Eleven mobile phone sales data is the best evidence, Glory Play is the most sold,
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It won't take long for the low-end machine to get stuck, and the mid-range machine and the high-end machine can last for two or three years.
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More and more of this problem, I don't agree with it, because in the vast rural areas, there are still many young people who buy thousands of yuan mobile phones, not because they don't have the money to buy them, but because they are reluctant, there are young people, and there are middle-aged and elderly people. Otherwise, why would manufacturers still produce mobile phones at such a price for so many years.
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No, I've always been a fan of thousand-dollar machines.
I think it's a good deal.
I remember buying the Meizu note2 at the time, using it for almost two years, 799, and selling it for 300ps second-hand, I don't play games much, so I don't have many requirements for the configuration of the phone.
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Because the configuration of the thousand-yuan machine has become a chicken threat, in fact, the overall price of mobile phones has risen. Two or three years ago or even earlier, the mainstream configuration of mobile phones was about 2,000, and now the mainstream configuration ** should be put in between.
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Because Apple's high-end machine has widened the ** range of the mobile phone, the original high, medium and low ** range is between 1000 and 5000, and now it is between 1000 and 10000, and then to buy a thousand-yuan machine, you may feel embarrassed. Personal opinion.
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The thousand-yuan machine is not bad, and it does not mean that the thousand-yuan machine is comparable to the flagship machine.
You get what you pay for, this will not change (for the mobile phone circle, there are other beliefs and bonuses, only mainstream consumer products, except for ov), the flagship machine must be better than the thousand-yuan machine in terms of materials, such as the processor, such as memory (not only the size of the memory, but also the read speed of the memory), such as battery performance (not only capacity, but also durability), such as taking pictures (taking pictures is very good, you can take a look at the evaluation, the level of taking pictures of thousand-yuan machines must kneel in front of the flagship machine), such as materials.
When it comes to the quality level of the components inside the mobile phone, let's not talk about it for the time being,After all, I don't have authoritative data and intuitive feelings in this regard,Let's talk about it from the outside**,Meizu used by a colleague of mineMX5,This is not a flagship in itself,Meizu's positioning of it is only mid-range,And Meizu mobile phones are similar in appearance,It's difficult to identify at a glance,But the first time I saw a colleague's MX5,From the perspective of appearance,It's not a grade with a thousand yuan machine。 Also, I also have two colleagues using Huawei's mobile phones, one is more than 900, and the other is nearly 2,000, I didn't ask about the specific model, so I asked**, but the obviously expensive ones are more expensive than the cheap ones, and they look and feel more textured (this is not a preconceived idea, but a comparison of their texture differences**). I've also been to Xiaomi Home, the mobile phone on the table, no need to look at the model, no need to ask**, just play with it, I can also see which mobile phone ** is high.
As for what you said about the thousand-yuan machine is not bad, I also agree with this, this is because compared to the mobile phone a few years ago, now the mobile phone industry chain is more mature, and the ** of many components has declined, in addition, with the progress of technology, the performance of the thousand-yuan price mobile phone has been greatly improved compared with previous years, which is enough to meet a lot of daily use (I remember when Android first became popular, the mobile phone at the price of 1,000 yuan did not feel very good to use), and, with the competition of domestic mobile phone manufacturers, The profits of the mobile phones themselves are very low. To sum up, for the use of most people, the thousand-yuan machine does provide people with a good enough experience in most cases. But this doesn't mean that the thousand-yuan machine really meets all the application scenarios, such as you want to play some games with more configurations, you want to shoot a good **, etc., etc., a lot of experiences are not what the thousand-yuan machine can give you.
Another point has to be said, Chinese people have a good face, of course, this is not to say who uses what mobile phone to force something, but for some people, buying a better mobile phone can indeed get more satisfaction.
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Why do many people prefer to use Huabei to buy high-end flagship mobile phones instead of domestic thousand-yuan machines?
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Today's thousand-yuan machine is not a grade compared with previous years,Choose a version with a large memory,Young people who disturb the front are sure to be able to use,If the budget is not sufficient,It's also a good choice to start with a thousand-yuan machine。 So is the thousand-dollar machine sold to young people? Why are the thousand-yuan machines used by the elders?
Let me introduce you.
Is the thousand-dollar machine sold to young people?
Of course not, it can only be said that as far as the current mobile phone market is concerned, the main target group of thousand-yuan machines should be the elderly and students. The elderly don't have much demand, so it's enough to chat and watch a small **. The students are not yet employed, and their mobile phones are mainly used for communication.
Although the current thousand-yuan machine also has a good configuration, it seems that young people are not interested.
The Qianli Ranyuan machine was also once considered to be an elderly machine.
Nowadays, young people have better living conditions, and the requirements for mobile phones are relatively high, the chip should be strong, the photo should be beautiful, and the first should be expensive, in short, if you want to use it, use it well. Although some of the 1,000-yuan machines have good configurations, they are far from meeting the needs of young people. However, it is still possible to use it as a backup.
Why are the thousand-yuan machines used by the elders?
Now many thousand-yuan machines are pursuing the ultimate cost performance, mobile phone manufacturers provide the best accessories in this gear in the thousand-yuan machine, marked with "performance flagship Li Sheng", "photo flagship", "appearance flagship", etc., it seems that you want to firmly grasp the wallet of young people, but go to the street to walk around, and find that the basic ones who use the thousand-yuan machine are uncles and aunts, and the young people are basically Apple mobile phones and other Android flagship mobile phones, and there are very few young people who use thousand-yuan machines. Most of the young people who go to buy a thousand-yuan machine are also bought for their parents or the elderly at home.
The thousand-yuan machine has always been a very hot mobile phone market, but whether it is sold to young people is not absolute:
First of all, the thousand-yuan mobile phone pays attention to cost performance, and it is indeed the favorite of the student party. The best-selling thousand-yuan machine brands on the market, Redmi, Honor, vivo and OPPO related models, are all cost-effective, and very friendly to the student party, which is very popular among young people who are shy in their pockets.
Secondly, the thousand-yuan machine is also a model that many mobile phone enthusiasts like. Nowadays, many people have more than one mobile phone, take me as an example, at most, there are four or five mobile phones, and one is commonly used, the other is spared, and other mobile phones are used for occasional evaluations. The spare choice of 1,000 yuan machine is actually a good choice.
Finally, the elderly are actually an important group of thousand-yuan machines. In fact, in addition to young people paying attention to cost performance, the elderly are also an important user group of thousand-yuan machines, many elderly people will now use smart phones, and thousand-yuan machines are actually very popular with them.
Nokia mobile phones have a long service life, moto's is also good, buying a mobile phone is similar to buying a computer, choosing an after-sales guarantee, better than anything.
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