To start a business, you must learn from Lao Gan Ma and be down-to-earth and steady
Lucky Fruit/Article
Lao Gan Ma is the "goddess of entrepreneurship" in my mind. She used to be, It is now and will always be;
This morning I received a call from a Buddhist friend in Changchun, saying that a friend borrowed 800,000 yuan to help another friend start a business, but the other friend used the money to gamble in Macau and lost. He had lost all his money; the reason why he went to Macau to gamble was because his family ran a business and had a debt of more than 30 million. Later, the business failed to operate and the bank loan of tens of millions was not repaid. Therefore, the bank not only confiscated the property that had been transferred and mortgaged , and also froze all the company's book funds, and added it all up, saying that it was not enough to repay the money owed to the bank; in order to be able to make money, this person borrowed money everywhere to gamble in Macau, hoping to save the situation at the gambling table; the result was not I know how much money I borrowed, and I went to Macau to gamble and lost everything;
Why are you talking about Lao Ganma and this friend from Changchun?
Because now everyone is encouraged to start a business, many people, especially young people, are so ambitious, but in fact their aspirations are higher than the sky and their lives are thinner than paper; having the passion to start a business does not mean having the blessings of starting a business; Having the ideal of entrepreneurship does not mean having the reasons for successful entrepreneurship.
These young people have no comprehensive estimate or evaluation of their own blessings, their own wisdom, and their own social resources. They always feel that they are young, passionate, arrogant, and free. I thought I could achieve a huge career, always thought I could achieve a career like Jack Ma, but ended up becoming the "Old Ma next door". I always thought I could achieve a career like Wang Jianlin, but ended up becoming the "Old Man Next Door" ”, and even did it, and in the end he was not as good as Lao Ma and Lao Wang next door. What is the problem? The problem lies in the fact that there is no objective and truthful assessment of one's own merit, wisdom, abilities, and resources.
Let’s talk about something that we used to think was superstitious. Before starting a business, many people went to a fortune teller to tell their horoscopes to see how many blessings they would have in this life, how much wealth they would have in their lives, and how big their careers could be. ;Don’t be embarrassed, Li Ka-shing also did fortune telling, and our fo*jiao master Xuanzang also did fortune telling; this is the simplest assessment of one’s own blessings and assessment of one’s future; when you meet a good fortune teller, it’s really He can calculate it very accurately; only after he has calculated it can he dare to start a business. He knows how much he weighs and how much he can do, and does not invest blindly. This is also a way to evaluate himself.
But today’s young people don’t evaluate themselves at all. They always feel that they can do anything. In fact, the experience of generations tells us that there is only one Jack Ma and only one Wang Jianlin. There are different Jack Ma and different Wang Jianlin in every era, but there is only one, only a few. The blessings of most people are just the blessings of Lao Ma next door, and the blessings of Lao Wang next door. Not even as good as them;
Therefore, whether you start a business, whether it is big or small, how big your belly is, how many bowls of rice you can eat, you need to have an evaluation. You cannot be like the guy I mentioned earlier in the article. In the end, Chuang became homeless, even his house was confiscated by the bank, and he had to pay tens of millions in village debt. He was chased by creditors all day long;
You said that this entrepreneurship created, You have become a homeless man;
Therefore, we encourage "national entrepreneurship". If you want to start a business, you must have a calm and objective evaluation of yourself. Don't dream about it all day long;
< p> Why do I say these words to young people in particular? Because the most common mistakes young people make are right here!Why am I specifically talking about Lao Ganma? Because when Lao Gan Ma started her business, she was already 50 years old. With 50 years of life experience, according to the forty years old, 50 years old is enough to understand many simple and basic philosophies of life in the world. Therefore, Lao Gan Ma’s To start a business, it means to be steady and steady. The entrepreneurial experience of those who started their business at the age of 50 is exactly what young entrepreneurs lack. If you are 20 or 30 years old, you do not have the experience of a 50-year-old. It is impossible for you to understand the experience of a 50-year-old. Therefore, these entrepreneurial experiences are very valuable. We will analyze them in detail below:
1. She is illiterate and has no financial knowledge, but she likes to study and has an amazing memory;
2. She is not afraid of difficulties and is persistent in what she wants to do.
3. She has an almost paranoid emphasis on cash and will never get involved in industries that she is not familiar with. She takes steps to expand every time. They are all cautious;
Analysis: This is what young people lack now. In fact, cash is to enterprises what blood is to people. Once cash flow is tight, it is equivalent to lack of cash. Once the blood flow is cut off, it is equivalent to the human body being cut off. However, many young people nowadays always like to use the funds obtained from debt to maintain cash flow. This is very scary. On the one hand, borrowing money to start a business is to Carrying karma, I have said this in other articles, operating on the back of other people's karma is okay for those with big blessings, but for those with small blessings, the more you operate, the more unlucky you will be; on the other hand, too many village responsibilities , or even insolvent liabilities, once they cause a concentrated run by creditors and you are unable to repay them at that time, it can kill your business in one fell swoop; especially Gao*li*dai, you must not run a business Go and touch it; I watched a program before to discuss the folk gao*li*dai in Zhejiang. Some business owners said that it was because they borrowed gao*li*dai that they helped their companies overcome the difficulties at that time. I can only say that you have this You can bring blessings, but that doesn't mean everyone else can. Just like some people can buy lottery tickets and make a fortune, while some people can't make a fortune by buying lottery tickets and dying. Therefore, not all experiences can be adopted. Therefore, the health of cash flow must be that the assets are far greater than the assets. It is best not to have any assets, and not to have any assets. This is the disadvantage of focusing on assets, such as leading the industry, and the essence of debt management is to "carry the debt owner." I would like to advise everyone on the principle of "karmic debt management" and provide you with a reference on the karmic level.
Besides, do not get involved in industries that you are not familiar with, and be cautious every time you expand. This is what young people lack. Young people all hope to "get rich overnight" and spend all day long. All they have is the dream of a snake swallowing an elephant, or a white wolf with nothing. Many young people are like this. Of course, not all young people are like this, but many young people are like this. In fact, this kind of thinking or this kind of practice often disappears quickly. Planting the seeds of disaster for oneself; playing steadily and steadily, this is Lao Ganma's way to success, and young people cannot escape this.
4. In 2012, she was listed on the Hurun Rich List with a net worth of 3.6 billion yuan; she is Tao Huabi, the founder of Laoganma. She does not accept media interviews, does not engage in marketing, and is not short of money. No loans, no listing. Even if the government promotes listing, she will not go public. In 2012, Laoganma’s output value was 3.37 billion and taxes were 430 million.
Analysis: No loan. No loan means no loss of business. Her money is accumulated step by step like a snowball. She uses her own hard-earned money to continue to develop the company like a snowball. This It is the safest way for ordinary entrepreneurs to use funds. I am here to warn many entrepreneurs that only the money earned through hard work is the safest. It does not carry any karma from others. Such money can be used to continue Starting a business will make it very easy for the company to enter the next stage of snowball development, and it will be very stable. If it is borrowed funds, a bomb may be planted in your snowball, because it is very simple, that The money for village service brings business; even if the other party does not press for debt, the money still brings business.
In the same way, the IPO of a listed company is to issue stocks to the public to raise funds for the development of the enterprise. This money also comes from the industry; Lao Ganma does not do this and only uses what she earns. It is a very wise idea to run a business with money and not go public, even if the government promotes listing, because once listed, not only will you have to face investments from many shareholders, but the profits gained from the investments of many shareholders may be used for other evil deeds. In short, There are benefits to the joint-stock system, but not all of them are benefits. If Lao Ganma does not go public, she will do it according to her own merit system. As big as she goes, she will be as big as she wants. This is a steady approach; more importantly, the funds obtained from the IPO will definitely bring industry, no matter how big the business is. No doubt.
Therefore, Lao Gan Ma’s management does not raise debts or engage in IPOs, so she will not lose her job. These young people must also learn; any expansion is a steady expansion like a snowball, and there is no blind expansion. , this is completely different from the self-aggrandizement of some young people nowadays. Young friends, you need to learn; the expansion method of snowballing is the safest and controllable way, but now young people like to explode overnight, and they always place their hopes on some castles in the air. I can say today that some of these business models have been successful, but to be honest, these are only possible for people who have had great blessings in their previous lives, such as Jack Ma, not everyone. Everyone has the blessings of Jack Ma, so everyone should be down-to-earth and have the same dream as Jack Ma, but do the same things as the old horse next door, and do things down-to-earth; if it is the other way around, and do the same things as Jack Ma all day long , do it according to Jack Ma's way, maybe you won't reach the sky in one step, others can reach the sky in one step, but maybe you will fall into the eighteenth level of hell in one step, just like the Northeastern guy I mentioned at the beginning of the article, blindly inflated, like If you start a business in one step, you don’t estimate your own merits. As a result, you fail to succeed in starting a business. Now you have reached the 18th level of hell. It is really worse than death;
We have a proverb here, saying that sparrows eat broad beans. , it is necessary to discuss with the butthole. The sparrow may be able to barely eat a shriveled broad bean, but when the broad bean reaches the sparrow's belly, it absorbs water and swells, and finally the sparrow dies of strangulation; or even if it does not burst to death, the sparrow's butthole cannot pull the broad bean. Come out, so the sparrow will die in the end;
Even if a sparrow eats broad beans, it is necessary to estimate the size of its own asshole. Many of us entrepreneurs estimate our merits to see how much we can do in this life, and be down-to-earth Do it, do it steadily, don't do it in one step, don't aim too high, don't build castles in the air, don't do things like snakes swallowing elephants; do it down-to-earth, and when you have the opportunity to reach the sky in one step, if you have that blessing, you will naturally reach the sky in one step, but if you Without this blessing, at least you will not fall into the eighteenth level of hell; you must not be like the buddy at the beginning of the article who blindly expanded. Now the broad beans have fallen into the stomach and cannot be digested or pulled out. Sooner or later, you will suffocate yourself to death.
At the end of the article, I would like to remind you that young people should stay away from gambling. They should not only stay away from all gambling behaviors, but also stay away from the practice and idea of ??running a business with a gambling mentality. This is a taboo; borrowing debt It's not absolutely impossible, but you have to be clear that if you are a financial supporter of the village, you should borrow a small amount of debt as a last resort and pay it off immediately when you get through the difficulties. Unless you do this, never borrow money, and even if you borrow money, you have to look at it. Depend on your repayment ability, and resolutely not engage in "insolvent-style" debt borrowing;
Also, if you are one of us fo*jiao disciples, or other entrepreneurs who can accept fo*jiao's theory of "giving by giving and accumulating blessings" Or, in your daily business activities, you should take out a fixed proportion of your daily turnover, maybe 20%, or 30%, and donate it that day, or build temples and statues, or Donate Buddhist scriptures, or eat and drink for monks, or other social charities, or release animals. Donate it on the same day. Don't say, wait until I make money at the end of the year before donating. When I close the accounts at the end of the month, I will see if there is any surplus in the account, and then Donate again, don't pay attention to these things. If you want to make the "snowball" development model healthy, sustainable and sustainable, and really make the snowball bigger and bigger, just listen to me and set a Proportion, you must donate it on the same day, don't wait for the next day; in this way, even if there is no blessing in your horoscope, you should not get rich in this life, you can also follow the method I recommend to you, and gradually and healthily The snowball will grow bigger, your career will grow bigger, and you will achieve success! Why? Because of snowball-like development, you must first make the blessings bigger. Only by donating every day will your business be more and better the next day. If you wait until the end of the month to donate, or wait until the end of the year to donate, there will be no use waiting your whole life! Donate every day, and the snowball grows every day. When does the money go out, when does the blessing come in? Donate the money that day, and the blessing comes in that day, and the business will be better the next day. This is how it is maintained; some People say, I made a wish to the Buddha and Bodhisattva, how much I earn, how much I donate at the end of the year, I tell you, this may not be useful, this is far less than if you donate on the same day, this is called down-to-earth, step by step, every step has a solid foundation. Merit support means that the things you make a wish for are the Buddhas and Bodhisattvas who first overdraw your blessings, and then you make money from your overdrawn blessings to donate. The principle is completely different. If you donate every day, your blessings will increase every day. Need to overdraw your blessings.
Therefore, many people talk about business models. Let me tell you, set a certain proportion to donate every day and donate it on the same day. This is the best business model in the world. Only this model can make the poor rich. Everyone has a successful career. Let those who have good fortune in their horoscopes and those who do not have good fortune have a successful career. Other business models can only make people who have good fortune succeed. I recommend this model to you today. Anyone can do it. Success, regardless of whether you have been blessed in the past life, whether you are rich or poor, as long as you follow this model and do it down-to-earth, you will definitely succeed; because with the support of merit, whether you want to succeed or not is not up to you! No matter how shallow your merit is, when you are doing business, you must pray diligently every day and accumulate more than 1 million prayers. At the same time, if you cooperate with what I said above and persist in doing it, there will be no unsuccessful person, and you will be a beggar on the street. , using this method, we can get better step by step and become rich, not to mention that we have some blessings, how can we not succeed?
So, what is a business model, an entrepreneurial model? It is a model for creating merit karma. The foundation of wealth and career is merit karma. If you can continuously create a steady stream of merit karma, your business will be successful. Therefore, the "karma" of "entrepreneurship", you Don't understand it as a secular "career", you should understand it as "blessings", and you won't be wrong!
Young people must learn a lot from Lao Ganma; don’t think that the old lady is not worthy of your learning; I will learn too!
Appendix:
Question: Brother, isn’t Laoganma’s beef sauce creating bad karma? How can I learn from her?
Answer: You are right, we cannot learn from her on this point; what we have mentioned above is just her entrepreneurial ideas, which are very worthy of our reference, especially for impetuous young people; after all, Lao Ganma We are not fo*jiao disciples. We cannot use fo*jiao's concept of good and evil to comprehensively measure each other. We draw on her strengths here. For her behavior that does not conform to fo*jiao's concept of good and evil, we should choose the good. Just follow it, choose the bad ones and change them! When choosing a career, you must at least meet the standards of the five precepts and ten good deeds. This must be paid attention to.
(Lucky Fruit 2016.02.26)
Question: Is it better to give alms at a fixed time or randomly?
Answer: The benefits of fixed giving: it may be called giving every day, or it may be said that it is given during the ten fast days, or it may be said that it is given during the four seasons, or it may be said that it is given every month. If you give without interruption for a long time, you will feel the results now and in the future. When you receive the results, all your property will be there at any time, just like the water of the Yangtze River. The waves in front have not stopped, and the waves after them come one after another. The blessings will be the same again, and the blessings in the past will be the same. Before it is exhausted, blessings will come again in the future, endless;
Those who give according to the circumstances and opportunities will also have good deeds, but the "results" are different from fixed donations: those who give according to the circumstances will feel the consequences now and in the future, or As a certain cause and condition matures, you will suddenly receive blessings, either bursting out or being promoted. However, if all the blessings are exhausted, if there is no subsequent blessing, your fortune will suddenly plummet; including what I mentioned in the previous article, between the previous blessings and the subsequent blessings, things will happen. This is the reason for the lack of success; just like today's entrepreneurs, they suddenly encounter a fate, and their business operations lead to a sharp increase in wealth. However, after three or five years of this fate, their wealth suddenly plummets, and they are poor all their lives. This is often the reason for people's regret. ; Or it may be that the former blessings have been exhausted, but the latter blessings have not arrived, and even no blessings have matured in the middle, and even the life span has ended. In short, those who have continuous and continuous blessings are the best; if the blessings are continuous, they are the best. Those who are intermittent and do not catch up with the green and yellow will have a bumpy fate;
The two types of blessings mentioned above are different depending on the place. They are all because the former is constantly practicing blessings every day, fixed time, and intensive blessings are constantly cultivating, so it inspires Blessings, when you enjoy the blessings, the blessings will be endless day by day, just like someone who is rich and noble all the time from birth to death, just because of this; on the contrary, those who practice according to the circumstances will feel the consequences in the future after being exposed to ten cold conditions. We also need to wait for causes and conditions. When we meet the conditions, we will be prosperous, and when the conditions are exhausted, we will be in distress. It is also like cultivating the cause. Once it is exposed to ten colds, the fruit will feel the fruit. It is also the same, short of rich and long of poor, once rising and long falling; therefore, Those who follow the conditions to cultivate blessings will experience the results in the fruiting place, that is, the phenomenon of intermittent blessings and inconsistent blessings will occur. This is not a fault of cultivating blessings according to the conditions, but because the natural causes and conditions are like this, and cannot be forced to change to achieve what people want; if you want to If it is as one wishes, and the merits continue continuously, why not create such a cause according to the ground, and naturally inspire such a result, wouldn't it be unsatisfactory! ?
Therefore, choose the pros and cons of the two methods of cultivating blessings mentioned above: the one based on cultivating blessings every day without interruption; on top of it, cultivating blessings according to the circumstances, so that both of them are practiced together, which is the most effective Benefits; The article "Entrepreneurship Model" mentioned above encourages those who continue to cultivate blessings every day. This is also the reason to create endless and continuous blessings for the current and future financial undertakings; I hope you will read it for details;
I make this judgment based on my shallow wisdom for reference.
(Lucky Fruit 2016.02.27)