The most terrible way to preserve and increase the value of assets: look at more than 50 bankruptcy, huge losses, real story

This article first appeared on WeChat public number: Wind information. The content of the article belongs to the author's personal opinion and does not represent the position of Hexun.com. Investors should act accordingly, at their own risk.

There is a saying that the people who use the lessons of other people's bloodshed are smart people, not the blood of our own to get the experience and lessons.

The content of this article has comprehensively compiled more than 50 real experiences about bankruptcy, huge losses, and short positions. All these big losses are caused by greed and fear, and the expectation of making quick money and getting rich overnight is the essential reason for greed and fear. Steady is easier said than done, but that means you don't have to be jealous when others make money quickly, and when your conservatives are repeatedly criticized by crazy markets. Today, I presented these stories to investors. I hope that the real experience and experience in the story will give you an alarm.

01. I opened a casino with a friend. At the beginning, I mainly started to operate KTV, watch games, make birthday PARTY, massage, and then I saw that others are making money with the company. So I learned from others and the result was an accident. One day in 2014, the venue was closed by more than 100 public security officers. He also locked himself in. Finally, he found a friend to help him to recover. After the entertainment city, the business was gone, and finally he was 10 million. The investment entertainment city was sold by him for 5 million. The lesson he taught him was that he should never do illegal things and make quick money. Many people who went bankrupt or suffered huge losses just wanted to make quick money.

02. Online gambling, that kind of credit card gambling. Foreign servers, with a flick of a finger, 2 million, the wife left, the house is gone...

03. I once had a friend of 10 million to do cotton futures, doubled and changed cars to change rooms. Interestingly increase the code to enter the market. In the end, he lost 60 million yuan and lost his cotton factory.

04. There are two of the relatives and friends: a 60-year-old, first Amway learning to rush performance, are all bought by themselves, the industrial money is almost the same. Next, we will do loan sharks and lie to the money of relatives and friends. A financial company that is less than 40 years old and is a loan-sharking company has also pitted a friend's house (because his own house is a small property that cannot be mortgaged). Both of them are evaporating for debtors.

05. I am embarrassed, engaged in long-distance passenger transportation, 80,000 yuan in the 1980s, the old man forced. Then drink gambling money, the wife will not hold the family, the family is divorced, the wife is scattered, and there is no penny. Now I don't know where.

06. I am a college student and do mechanical design. After graduating, I went to Nanjing, a very profitable state-owned enterprise, and married a beautiful high school classmate. When everyone is still working in Shanghai, he has already bought a house, and he also bought a car. The car is still on the way. Everyone thinks that he is very happy.

Parents are around, there are wives in the family, and there is hope in the work. In 2015, the stock market fired a lot. He earned a lot. Since then, his confidence has soared. He has invested 700,000 yuan in his family's cash in the stock market, and then borrowed money from the bank. Buy this stock before the car stops. The following story should be guessed. After the resumption of the market, the market will continue to fall and stop, and it is impossible to sell the stop loss. You can go and see the k-line chart. Then owed more than one or two million banks and fund-raising companies. The fund-raising company is still not paying for the door.

The things behind are just like in movies. The fund-raising company first went to the unit and then the unit fired him.

The fund-raising company went to the house again, and then the car was sold. The house sold a part of the money. Xiaojiao’s wife also hated the divorce. The fund-raising company went to the parents’ home, and his big brother wanted to help him to return the rest. I don’t agree.

My classmates were also hard-working and fled directly. I have been hiding in the public study room of our alma mater for more than a month. Hey, it’s just a few months from happiness to rogue. This story ends here. No one can contact my classmates now. I am not killed by people. More ironically, if the house is not sold, he will be sold again in 2016, and the money owed will be paid off.

07. Things happened 10 years ago, when I was a child, he moved to Shenzhen when he was a child. His parents' company has a market capitalization of one billion, and the service industry has been listed. He went to school alone in the United States, the Emperor of Heaven was far away, and his life was gorgeous. Parents are polite, and they have nothing to say about his economics. He spends hundreds of thousands of dollars a night. At most, he is jealous of him. However, in recent years, the company has slipped and hardened. As a result, the capital chain has broken.

Suspected of all kinds of fraud, running away.

The bankers who lend money to their companies are also in prison. Now owe three or four hundred million. All the properties in his family’s name have been collected. The luxury cars have also sold the money they borrowed like a bottomless pit. For the first time, there are definitely 234 times, and they borrowed three times. Ten thousand, less than a month is gone. They explained that they have not adapted to bankruptcy, but I don’t have much money for a working class to pay for their big hands. It was so close to seeing them from the ordinary people becoming extremely wicked, and in order to avoid eating various lawsuits, they also put in the people who helped them. Some people want to help them, their homes are bankrupt, and even almost die. I feel that there is a quota for blessings. I don’t want to overdraw the next half of my life in a down-to-earth life. I have my own hobbies, love my parents, and have a loving lover. This life is enough

08. I know that the result of opening a restaurant for a person is open. In places where there is no popularity, the customer rarely closes the door and does not lose money. Therefore, it is critical to choose the location of the catering industry.

09. Lai boss, who started his own local construction, has tens of millions of assets in 1995, and his shots are extremely wide. At that time, I was in junior high school. The old lady asked me to call him Lai Bobo. My attention was on the boss’s wig. I didn’t say anything. Lai’s boss said that the child really shouted for the uncle to give 100 yuan and shouted 20 times. The 2,000 yuan has not been taken by the hot mom. In the second year, Lai’s boss played cards in the revolving restaurant and played in the game. He lost the day and night and returned to the countryside to mix and drink. When he and the old man went to see him once, the old man lamented that "Lao Lai has returned to the peasant."

At home, in 2007, 200,000 yuan received a brick factory under the railway bureau, and then one day the brick kiln collapsed...

10. My brother turned the coal in the same year, and it was mixed with too many meteorites. The result was reported, the coal was deducted and the car was fined, and then went bankrupt, and then my guarantor followed the bankruptcy.

11. My mother has done business for almost 30 years, and the largest distributor of local furniture. She has been mistaken for health care products in the past few years. She currently owes a million debts and her house is sold in my home. Fortunately, she still has a shop. If she sells it, she can pay the debts. The remaining money is enough for her to spend the rest of her life. Currently trying to sell shopfront ing

12. Too much too much. The worst industrial shackles that started in the early 1990s, when they joined the real estate industry around 2010, but the capital chain broke, and they were killed before they were sold. The former homes of the industry were all confiscated. Electrical appliances, cement plants, coal mines... and the family business community guarantee each other to borrow money and destroy the group. Seeing him as a tall building, he watched him banquet guests and saw him collapse.

13. Living in the neighbors downstairs in my house, the male owner has been trading stocks at home all the year round, and he did earn some money in the past few years. The house is bought by the stocks. In 2015, I consciously had a very good level of operation in the stock market. I invested all the mortgages in the stock market, just happened to encounter a crash, and lost a few light days. Later, there was a big trouble. People with a triad-like appearance came to the house to accept the house. The owner was still a middle school teacher, and she also went to her school, and then she never saw this family again.

14. A friend's neighbor, doing foreign exchange, high leverage, starting from scratch, living in a high-end community, driving a luxury car. Recently, foreign exchange has fluctuated drastically, selling cars to sell houses and realizing property. It is said that it is ready to start from scratch.

15. We in Wenzhou in the 1980s, many people went out to do business. Many of our villages went to Beijing, which is the Beijing Dahongmen. Neighbors have been doing curtain fabric business for more than 20 years, and there should be tens of millions in 14 years. When I was in the bull market, I earned millions at the beginning. I have seen this battle, and I have worked hard for 20 years. In the next few weeks, millions of dollars will be credited and leverage will be added. The ending is of course a chicken feather, which has lost at least 15 million. Fortunately, Beijing houses and businesses are everywhere.

16. Eating, drinking, gambling, and gambling are not very good, but among them, gambling and poisoning are the most devastating. At the beginning of 2016, my two distant relatives were all worth tens of millions, one gambling in Macau and one gambling on the Internet. The end is an illegal fund-raising. Most of the relatives have been dragged into the water, the assets are not enough, and they are sentenced to imprisonment. The other is a little better, from the big boss to the van driver.

So sometimes, fast is slow, slow is fast. When people do things to the end, they still rely on people.

17. I won more than 50 baccarat in Macau from more than 10, and then lost all of them. In that year, the National Day couldn’t help but sent more than 50, tore the passport of the passport, and later did not go. Peace of mind stocks. Friends bought the ball and won more than 70 from 365 on the 365. On the spot, they booked the car. Later, the wife said that there was still a parking space. I bought a friendly match of 1.2. Finally, I lost all the time and smashed the computer on the spot. .

18. The stock market crash 1.0, the Nangong lever of the full warehouse grade A was added to the rescue market. On the morning of July 9th, the bottom cut meat was successful, and the huge loss was 7 days, which completely smoothed the 62.5% of the first half of the year. Since then, the stock market I no longer believe in anyone, any organization, and since I have been away from leverage, I am not willing to bear the risks of any radical operations.

19. Oh. Before the stock market crash last year, a group of big sisters ate. Hundreds of millions of net worth. Ruddy! After the stock market crash, many billions of gray smoke were extinguished. The worst of the last remaining 50 million market capitalization stocks. However, there are only 20 million of funds. Resumption of trading, one word down and continuous. Seeing bankruptcy. The people in the group are working hard to help each other. I bought his daily limit. He is at the top.

There are no other words in the group on the day. It’s all sorts of questions about how much he has dealt with. How many of his non-stop postings did not close. If he can't sell it that day. The next day is over. Negative equity. His children are still young and have worked hard for so many years. That day was the most touching day for my mixed investment group for many years. Investors are born to fight each other for profit. But on that day, everyone is clearly losing money and subscribes. It is also a story of a huge loss. Almost bankrupt. Stock market risk, use leverage with caution!

20. My own home, in the Hunan Xiangxi side for more than nine years, has been mining small gold mines, this is not much to introduce definitely make money, even if the gold price was eighty-nine, then found a mine that looks very good, so pull The relatives are together, because the two brothers of this relative are the leaders of the public security in the county, and the leader of the bank. The shares are sent, and the money for mining is cast by one's own family. As a result, God is easy to send God, and finally he is played by various kinds.

21. One retired old leader of the unit has a maximum of 4 million, and the final fund is 15 million. The original plan is to earn 10 million to close the hand. A classmate middle school teacher, 1.5 million principal, financing experience after the stock market disaster 1.0'2.0 after the explosion. Another friend escaped the previous two stock market disasters, but broke the position in the stock market disaster 3.0. The risks of the stock market must always be remembered, and it is easy to avoid financing. It is even more undesirable to allocate funds.

22. My family, I went to Shanxi Bao Coal Mine in 2003. In the Chinese New Year in 2006, more than 5 million banknotes were packed in suitcases and returned to his parents and his wife's son. In 2007, my dad went to see him on a business trip, saying that he asked the driver to drive a Maserati to pick him up at the airport. To my dad is the presidential suite of the five-star hotel. Everyone knows the story later, and the coal mine has been returned to the country. Now the cousin and his children put a stall in the town to sell ramen for a living, my dad said that he still owes more than 10 million to others. My hometown is called the hometown of China's mines and wells. This is not a case.

23. I have a lot of this case, saying that it is close to life. The clothing city project of Shanghai Jinshan Fengjing came to Zhejiang for investment more than 10 years ago. A civil servant borrowed a lot of money to buy 12 sets. The project has not been improved for more than ten years. Because the clothing city has a large property right certificate, 10 of them are not given the license, and finally they are mortgaged by the clothing city to Minsheng Bank 600016, the stock bar and the Xuhui District mortgage finance company. So far, there is no penny of rental income, clothing city Overgrown with grassland, from abundance to abject poverty in more than a decade, the debt has not been returned, the profit has probably doubled. Now... Hehe, the result of a gamble failure is to get rid of all personality by time.

24. A local roll factory has done a good job. Since 2012, we have absorbed the funds of our employees, saying that it is a working capital, and promises about 10% interest per year. Not long after, the factory’s poor business began to come, the factory gave some interest, and the workers no longer made trouble. It is also difficult for the factory to give workers a settlement in 2014. When the workers got into trouble again, they found that the factory not only borrowed a lot of money from the bank, but also borrowed a lot of high-interest loans from outside, and the assets were insolvent. Many creditors are all around to borrow! The workers saw that the situation was not good and began to move the equipment of the factory. The bank sent people to block the door of the factory, but it was too late, and the factory had no equipment. In 2015, workers began to petition for money, and bankruptcy was listed in government work. Later, the government and the court coordinated it. After all, the factory occupied the land through the due process, the auction is also a lot of money!

25. My brother has a principal of 600,000 in 15 years. He has been financing 1:1. In June, he has achieved more than 6 million financing. He originally planned to do 10 million. He did not explode a few days before the big drop. The staff insisted on holding, rebounded for two days without lightening the position, and continued to plunge after the plunge. The income of the first ten years disappeared instantly, and the family went bankrupt... financing is a double-edged sword.

26. A friend, who is taking medicine, tired of working with doctors every day, opened a medium-sized foot massage center, and invested 1 million in the early stage. No guest helped, and the monthly loss of 4-5 million, first borrowed light female My friend’s savings, and then borrowed money from all relatives and friends to maintain expenses. I also borrowed 20,000 for him. In the end, I couldn’t borrow it. I opened 5-6 bank credit cards to set up my money and put his parents. In the fifth-line county, the only set of two-bedroom mortgage loan, for a year and a half, the mountain was exhausted, owed a debt, and later wanted to change the foot shop, has been unable to take over, spent 7000 ocean to a famous Online second-hand intermediary company, promised to be successful, and soon came a buyer, knocking the price of 210,000, paying 70,000. Then the buyer sold all the things in the store, and the prepayments of some of the guests were also taken away, the balance? Of course not! Think about it is a routine.

27. When I was young, there was an uncle who was very old-fashioned with my father in the nearby street. I opened a shop selling incense, and the children were not deceived, and they were kind and helpful. The business was very good, and the business in the store was very prosperous. It is said that the family is a few million, it was in the 1990s, simple is rich.

The turning point came. At that time, the lottery was just raised, and the country was promoted. The uncle began to play. As a result, new things became addictive. The more you buy, the more you lose, the more you buy, the more you buy, the more you have at least a few thousand every day, even though it has tens of thousands. In the long run, it took a few years to consume the family floor, sold the storefront, and even borrowed money from others. Because of the good relationship, borrowed a lot of money, our family used to borrow two thousand dollars, and finally I lost it, I couldn’t pay it back, and I hanged myself. This matter touched me a lot. A friendly and uncle said that he was gone, shocked and sad.

Let's say this, remind everyone, don't always think about getting rich overnight, gambling, drugs, etc. Don't overestimate your self-control. Even in legal A shares, we have to be afraid and leave room for it. . May the uncle heaven go well!

28. Before 2000, the former general manager of our company relied on our company's geographical location to open a restaurant with our company's frontage facade, dug the first bucket of gold, and then rolled up, opened the hotel, opened coal mines, iron mines, and even Our company bought a piece of land and built a building. However, the situation was abrupt, she was heavily financed, coal mines and iron ore were sent out, but the money was not coming back, and she did not have a lot of financing. Then the capital chain collapsed and she was jailed...

29. A local stone boss, who entered the market in 2014, invested 20 million to earn more than 60 million. The 2015 stock market before the disaster, the whole warehouse financing bought Liaoning Chengda 600739, stocks, the last day of the continuous down limit, was closed by the securities company, Then I watched the continuous daily limit and ended up with only over 200,000. Talking to me about this, he was full of tears. Of course, he is not bankrupt, life is still very good, just this huge loss, for him, the memory that can never be erased.

30. Haha, Xiaobian is not going to make a joke under gloating. Compared with other people, what I witnessed may not be a big deal, but it also shocked me. My dad and an iron buddy, in the 15 years of stock market radicalization, up to 10 times leveraged off-exchange funds, made a lot of money. At the apex, I felt that the risk was too great, and I changed it to 1x leverage in the market, but I still couldn’t help but plunged the stock market. I finally lost more than 20 million yuan, and the principal also lost a lot. My dad said that he has never seen him so depressed after he has known him for more than 20 years. But it should be a lot better now.

Ps my family is very lucky, about 8 times the peak, after the stock market disaster is still close to 5 times the income. However, the experience of people around me makes my current investment pay attention to the margin of safety.

31. Bankruptcy and huge losses are due to their ability to operate beyond their own tolerance. Those who go bankrupt because of leverage are not in control of leverage. The “maximum leverage + full position” of the securities firm is very dangerous. I saw that some customers were eliminated in the huge shock of 2015. The use of leverage requires degree, and it can add leverage to small volatility varieties (such as ETFs); it should be artificially reduced leverage for high leverage (such as futures, options).

Adding leverage to moderately volatile stocks, my view is that it varies from person to person, depending on each person's risk tolerance. “Leveraged use of leverage or no leverage. The premise of using leverage is that you have to operate and have consequences for leverage. Know clearly, and then use the "leverage multiple" that suits you. Leverage has some risk, but you don't have to demonize the lever. Some people rely on leverage to rise and rise, and many people fail. The key is how to control it. Leverage itself has no major crimes, and it is mostly a user's problem.

32. Because he had a good life in the first half of his life. I don’t know what the risk is. A person who doesn't even know the tiger, who doesn't know, finally got home when he finally saw a group of tigers. That kind of person's life is the most dangerous. Either that day, stupidly, a natural disaster, everything is bad, can not be dealt with, responsibility can not bear. It completely collapsed. This is also the result of failure training and risk education from an early age.

The real good risk education is to let people fall into control and all kinds of failures, some unsustainable failures. This is like a child being smashed by fire. When he grows up, he will not be unrestrained to play with fire. After an hour of fighting, I will regret it after being injured. When I am small, I will not be tempted to kill.

33. Home coordinates, a third-tier city in the Yangtze River Delta. In the personal professional finance industry, a customer started to do foreign trade in 2000. At that time, Alibaba had just started, and foreign trade business demand was great. The boss was in his early 25s because there was a special industry in his hometown. Therefore, the time and place, by the time of the 2008 financial crisis, the boss earned almost 20 million.

At that time, it was really a spring breeze, and the family business reached the peak of life. After 2008, the boss also realized that foreign trade was difficult to do, so he decided to transform. Because when doing foreign trade, I have contacted clothing and also have downstream customers. So I decided to buy a land to build a garment processing factory, and I remember that it was very clear that the registered capital was 2 million US dollars. In the past two years, because of the business of several major customers in the downstream, the days have passed. However, in recent years, the apparel industry has been sluggish, and downstream customers have either closed down or started to demand arrears. However, the shortage of money from upstream raw material customers cannot be delayed, so the funds in the factory are getting tighter.

In the case of their respective credit cards, the bosses and husbands began to be forced to borrow usury and even raise funds from internal employees. Finally, in the second half of last year, I finally couldn’t stand the pressure, and lost a group of employees who were in arrears for half a year’s salary. Looking back, I thought that if the boss used more than 20 million, he would buy a house, a shop or the like. Perhaps life is really carefree. Sometimes, the first ten years are too smooth, and the people who know how to defend the city properly are too few. Because they always regard luck as their strength!

34. My second aunt, an ordinary person, is an egg business. After several years of hard work, I have accumulated hundreds of thousands of people, waiting to give my cousin a marriage. I believe in a business partner for 13 years, and I will give him all the interest and three points. I am the kind of person who can eat hard and take shortcuts. I put hundreds of thousands of myself into it, and let my classmates and friends put it in her. She made some difference from the middle. Even borrowed hundreds of thousands of friends to put in. In the past few years, interest has been earned a lot, plus the sale of eggs earned money, anyway, there is money to put it in.

Our family is against this matter, but she thinks that the person is reliable. There will be nothing. In November 16th, the man suddenly died, and all the money could not be returned. Not only did they lose all of them, but they also owed hundreds of thousands. Weeping and crying home, let us help and say that we don’t want to live. You said that we didn’t agree at the beginning. You don’t listen. Now you are here to help us, and your loved ones can’t die. Can help. Oh, this is not just a pit, but also a family.

35. When the warrants are the craziest, a friend next to them gambles. There is a warrant that will be delisted on the day, and he is still speculating. The warrants jumped up and down, all his funds were pushed in, and then the warrants plummeted all the way, and then the stock market did not come out at 3 o'clock. He was immediately stunned. Paled face. Fortunately, he bought the warrants and saved a little bit of damage.

36. A friend from Dongguan opened a factory and started a factory with his brother. At that time, he said that he had 3 million shares in the factory. In 2013, he should be gambling, and he should be set aside. He finally lost a lot of money and owed 2 million yuan to usury. . Finally, with my wife, son, daughter running. There is no news now.

37. I am a classmate, I have been partying for the first two years, drinking is high, and I have a painful experience. After graduating from high school, I entered the factory and became the son-in-law of the factory owner. In 2008, she earned more than 2 million yuan. As a result, he couldn’t manage his wife and lost his family’s assets overnight. Fortunately, I built a villa on the farm. Now, divorce his wife. Take over the undead factory and live with his son.

In May of May, 1515, a buddy named Li was in the Red Bull Market. He sold only two houses and a car and refinanced all the stocks. He had nearly 5 million funds, and encouraged me to follow the market. He is all in the family. I have invested 100,000 savings in financing. Immediately after the stock market crash, both of them were hard-hitting. I lost up to 60% at the most. Later, I bought the Aikang Technology 002610 in the middle of 16 years. Then I bought a few new shares and slowly came back. Small earners; buddies are more tragic, 3.0 was forced to be flat, only the remaining surplus of money went to the black ... ... now basically faded out of the circle of friends, I heard that a debt, rent a house can not afford to rent ...

39. The commentary is a tragic story of a slump after a huge loss. I am very sad. I have a deep understanding. Because I also have a huge loss experience, the same misery: I will almost lose my future in the past ten years. Heartbroken for a year. However, I did not feel depressed. After secretly setting my own goals and actively adjusting my mentality and returning to the stock market, today I have returned to the peak of market value, and I am infinitely impressed.

After this, I have a lot of peace of mind when I am doing things, and people who have not experienced it have a hard time. I am thinking that sometimes, a huge loss experience can also be a valuable asset in the long road of life. Only in this way, knowing that wealth is hard to come by, it will be cherished. Protect wealth and stay away from leverage.

40. A local steel trade boss has started a big run in two thousand years. The Chinese New Year has given the red envelope thousands of units. I don’t know why I was fascinated with speculative futures in 2008. I have earned a maximum of two or three billion yuan and then went through The explosion of warehouses, borrowing money and levers to explode warehouses, hiding debts, and the miserable fate of divorce, is now supplying lo mei to various hotels and restaurants, and also re-buying houses to buy cars.

41. A big brother I met when I was teaching in Guangxi, lacking a small finger. It was him who went down. Around 2000, he raised pearls and aquatic products, which can be said to be rich. Later, in 2003, he gambled on big money, and the industry was lost half-dead. The villa mortgaged, and the wife took the child and did not follow him. Fortunately, it is a family, some people pull, not to fall, but not rich. After he finished his story, he said to us with a strong heart: This gambling is too harmful, don't touch it. After that, I took out the phone and placed an order to buy a thousand World Cup group matches. I didn’t know what to say at the time. Tai Nima plays.

42. His hometown was in a county town in Heilongjiang Province. Since the middle of last year, the illegal fund-raising of seven or eight years has been steadily exploding. What progress has it made in the past seven or eight years? At least ten organizations have collected money. Basically, the people of the county and even the surrounding counties are here to put money. The consequences of the explosion were very fierce. The uncles, aunts, brothers, sisters, classmates and friends of my neighbors and even my parents were all recruited. They went to the police station to report, and many of them lost millions, less hundreds of thousands, and even students who worked in the bank even returned. I owe more than ten thousand loans to my unit.

I heard that there were several suicides. I met a colleague of my classmate, borrowed money from many people, cut my wrist in the unit, and was later saved. Although she owed a lot of money to others, no one dared to However, I am afraid that I will be forced to commit suicide, and people will die when they die. At the various gatherings of the Chinese New Year, anyone will talk about this topic. Although many people have lost their deposits, the days are still the same, except that some wealthy uncles and grandfathers have re-thought to make money from semi-retirement. .

When I go home every year, I will tell my parents not to put money outside. However, the old man still let me go. No matter how stressful I emphasize, the high stable income in the past few years is real. I don’t listen at all. Advise, most of my relatives and friends may not understand at all, only know that this is a reliable way to make money, and do not know the risk. With my shallow understanding, I can only think that the government does not act, and did not contain it in time when the emergence of the seed. This huge-scale fund-raising has basically affected the lives of the people of the county. The county’s economy has been retrogressive for several years and is optimistic. Estimated.

43. I have a relative who engages in fine art, and then decorate it. The four or five houses in the county are produced, hundreds of thousands a year, the wife is beautiful, the two sons inherit the father's business, the villagers envy; later the local crane business is to Shanghai. When he waited for the big city to pick up the work, he also bought a few cars, and he should also be leveraged. Without serious business training, he would not be able to pull his face, owe money to others, and he would sell all the properties. Money, even the cranes are bought by low-cost people, may also be suspected of being cheated.

Finally, the depression died of illness.

44. I used to be the sales boss of my company. I am in my forties, and I have a lot of experience. There are only two reasons for him to believe. One is the fixed income of about 15% per year. The second is the so-called gold guarantee, that is, the contract for the purchase of gold bars. In fact, the gold bars are not used, and the gold bars are used as guarantees (local local chains, each The store is full of grandeur.)

The income is very happy and very short. In less than two years, the capital chain is broken. First, there is no interest. Later, the principal cannot be taken out, the store is closed, the road is running, and the gold bars are gone. At present, the case is still being processed. I don’t know how much capital I can leave in the end, or I don’t know if I can still leave the principal.

45. Dad, the son of the kindergarten classmate, opened the factory to be the owner of the mobile phone accessories industry. Before living in a big house, his wife brought a child at home, and the days were good. Later, the factory defaulted on the supplier's payment for work, once ran, and went back to restructuring, or could not support the whole family to run completely, the bank loan loan sharks totaled several hundred million; later the child found that the man raised a small three years, but also gave birth to a The child had to divorce and was completely pitted. . .

46. ​​The most terrible practice of asset preservation and value-adding: lending interest, stocks and leverage!

47. I heard that I didn’t talk about it and personally experienced it. I am an aunt, I often meet, the family is an ordinary double-employee, the cost of eating must be calculated until the retirement has accumulated more than 1 million. I have always bought trust financing, and later the interest is too low, lend money to a boss familiar to her sister. Dividends. The boss asked her to eat a few times. A table borrowed money from him. He said that he was a house everywhere and he believed in that person.

Later, I asked my mother to eat a few times, and everyone who borrowed money. My mom advised her at the time that she couldn’t afford to lose her age and couldn’t listen. It is said that the person studied the way to win the lottery. Earned hundreds of millions. The consequences can be imagined. A group of debtors had been in trouble for a long time, and they won a lawsuit and won. The boss went to jail. But a group of them did not get it back. Her sister can't get back more than 300. Now the days are tighter, and the granddaughter is only able to listen to classes everywhere.

48. The local real estate agent, owning a group of companies and a real estate business, more than 300 million took a place to engage in real estate development, everything is going well, the son at the peak of the mineral price to see a mineral resources company, financing investment, the result is tragedy The real estate was loaned by the bank, the property became a bad tail room, the group was seized and mortgaged by the bank, and finally the property was delivered within half a year after the government came out, and the overdue payment was not paid. All the boss’s support was seized, and the list of Lao Lai was also listed. .

Originally, this real estate project, more than 3,000 land acquisition, average price of 9,500 square feet for sale, sales is very good, earning 100 million no problem. Bad luck!

49. My neighbor in the neighborhood was a pair of old ladies in Anhui. Their little daughter helped them buy this three-bedroom house and let them help their children in Shanghai. The little daughter lived in the house and opened the BMW. Her husband was in Xujiahui 002561, Shanghai. The stock (---, buy) made a computer equipment. After not doing it, she bought a house (Yongjia Road) and a villa (Minhang). . 14.

In 15 years, I heard that the daughter-in-law is still losing money, and sold the house. The young couple can only go to Guangdong and friends to do LED business. The old lady also followed them for a few months to take care of them. I went back to the Chinese New Year this year and learned that the house next door was sold at a low price for 16 years last year. The old couple in Anhui also returned to their hometown. The little daughter divorced and the BMW Villa was sold out.

50. I have seen a customer making a fortune, bankruptcy, probably like this. More than a decade ago, a cowboy from here went to work in Shenzhen to steal the recipe from the factory. I went home and opened a low-cost, high-profit factory. In the past few years, the business has achieved tens of millions, because I went to his factory and asked him if he had two or so families. However, he felt that the factory was too small for a small business. He went to the field to buy a land to build a big factory. I heard that he invested a lot of 100 million yuan. He has not been doing business with him for several years. When he talked to friends this year, he knew that he had gone bankrupt the year before. Because he did not have enough funds to build a factory, he was too high, and he wanted to develop quickly and went bankrupt.

51. I have the most say in this: a colleague, is a second generation, entered the market in mid-2014, the principal of 100,000, after the brokerage market at the end of the year, a small profit of 20%, said that the bull market came, I feel that the principal is too small, so Two accounts are allocated, each with 250,000. At the beginning of 2015, the last market of the GEM is opened. One account has bought a Huazhong CNC 300161, shares (---, buy), and one bought a robot (-- -, BUY), in June 2015, Huazhong CNC was suspended at a high level, the CSRC cleared the fund, and the fund-raising company called, saying that the CSRC is cleaning up the funds in the market, or you will pay for the account, or The stocks inside give you a 8% cash return to you. At that time, the market colleagues were willing to be reclaimed, so they asked the family to buy nearly 300,000 accounts, and then released them as a round of stocks. After that, then there is no more... I heard that he is still fighting in the market, and it is said that he has increased investment.

52. Zhejiang has a predecessor of real estate, and it is also a famous person there. I did real estate in the 1980s. He is a legend! The level of education is not high, primary school. Start by doing the mason. Do billions of dollars. I met every year in the past year. The family is kind and amiable. The reputation in the local area is also very good. Because he built a house, there is a conscience, and the materials used in the work are real. I live in my own community, and the office is in my own community. Every time I went to see, the office was quiet, and the employees inside were all following him for decades and decades. It’s really good for people!

As a result, in the past few years, there have been problems in management. Because he borrowed a lot of private loans, I know that I am looking for a very famous listed company in Zhejiang to turn around about 50 million yuan, interest is about 5 million a year, and borrow one year. As a result, after the money back and forth, I want to change in advance, people do not let, have to calculate the full amount of interest. Why is he like this? Because he doesn't care about the specific business, he may not be very proficient in himself, and people are very real, so there are many people around him who are trying to make a difference.

Let's get a little bit of that, like a ship, breaking a lot of holes. All kinds of anecdotes are known to him. There are old folks who contracted steel and sold them to him. One car was dragged into the construction site, then turned around, dragged out, and then turned back, and counted as one car. However, in the early years, the profits were high. These little money were nothing at all. Even if they were all, they were old folks. About a few years ago, the market was not good. Plus, the house leaks in the rain. Due to demolition, leadership change and other issues, the block was dragged in. This time, it is unlucky! In other words, it is difficult to enter the luxury.这一下，摧枯拉朽，处处碰壁。就去民间贷款，银行贷款。

最后绷不住了。要知道，有些钱，放贷给你的人，你是不得不还的！一旦出了问题，变卖各种资产，先把这些不得不还的大爷的钱还了，才有机会往后走。好了，拆东墙补西墙，这样搞了一阵子，还是绷不住。

我那时候看他，真是感叹，他很早就开奔驰600了，老款的，巨大无比，然后，他身高不高，从车里下来，再加上比较憔悴，真是看上去难过…再后来，被以非法集资抓进去了。至今关了好几年了，听说可能快出来了。这几年，年年都和家人在监狱过年，他儿子也被抓进去了，当时在另一个城市被手机定位，一下子就抓到了，飞快的！这我党要抓人啊，哪里跑都跑不脱。

最后清算，我都傻了，创业三十多年，最后倒欠国家几十亿。我都不知道怎么算的！当时想引入新房产公司收购或者入股啥的，都到这一步了，谁还雪中送炭？都跟秃鹫一样等着，那是世态炎凉！

由于他整个发展历程，这几年我都多有耳闻，我前些年还专门请我的伙伴们去了浙江，专门在他工地待了好久，开会，检讨，那一片别墅，真是好位置好房子，可是，无人开工，落寞异常，我们待在那里，就感叹！真是要保守！保守一点，方能去求长治久安！你钱多，身边很多人可能就冲着你的钱来，你权利大，那么，就冲着你的权利来！经营一个事业，随时要想到万一发生最坏的情况，我该如何面对，应对！投资理财，随时要想到，万一再有股灾出现，我该如何处理！我想，我可能这辈子都不会去尝试满仓了，更不用说融资融券那种杠杆了。

这位前辈带给我的冲击太大了。后来我写了一些文章，也是从这里面感悟到的。事业做得再大，倘若没有腾挪的空间，没有弹性的策略，只要一次，只要一次突发状况，很可能就要收走你之前累积的所有！后来，我对欧文卡恩那句话，有了很深刻的体会——格雷厄姆教给我最大的一点就是抵御赚取快钱的诱惑！以及，巴菲特说——人一辈子富一次就好！那真是充满智慧的格言！一辈子富几次，能留下传奇的经历，能留下动人的故事。一辈子富一次，只能留下从容安逸的人生，没有故事，没有传奇！

我要那么多故事干什么？我又不是故事会…

53.本人即亲身经历过炒股巨亏和破产。作为有过亲身经历的我来说，我觉得比看到别人类似的故事，可能更有些发言权。简单说说我的巨亏经历吧！我是1999年入市，2003年开始专职炒股，2005年开始帮着打理几个亲友的账户，到2007年底累计收益7倍多，还算顺风顺水。但08年股灾来临，我因为没有及时离场先是大亏，后来又急于翻本使大亏变成了巨亏。

到2008年10月，最大亏损75%，全年亏62%。有些06和07年才代管的亲友账户亏损幅度过半，当然，自己的账户也是一样的损失惨重。自己的损失自己担，但别人的损失即便不承担，我也有责任把它赚回来。如果加上需要我赚回的这几百万损失，名义上我是已经破产了的。

直到2014年，过去整整七年，我用7年4倍的收益挽回了全部损失并市值创新高。从05到16年底，实现了25.7%的年化，让6000点高峰时进场的亲属账户也实现了收益翻倍。经历的这一切，既与自己性格比较执拗有关系，也来自不断学习后的进化，更离不开一直信任我的人的鼓励。

巨亏或破产虽然不是好事，但在某种程度上也不完全是坏事。至少我的这次巨亏，让我重新审视自己和投资，并在此后用几年的时间实现了投机者向投资者的转型，也为今后的投资之路找到了方向。

54.一个普通朋友，农村家庭没啥资本，没啥钱，自己心高气傲，上班坐不住也瞧不上，14年跟人学用信用卡套钱出来各种折腾，动员身边亲人全部都办了卡给他，自己老婆，姐姐，姐夫，，，等等，，，一开始蛮顺利，挣点钱天天吃喝玩乐，（其实后来才知道开始也没赚到啥钱，但是套出来贷款手里上百万就是天天玩，还赌钱）后来开始抵押车子房子，又在身边朋友同学借钱，五万十万的借，骗，最后沦落到没钱吃饭两百块也要借。

大概一年后，瞒不下去了，跟家人交代一共欠了200万左右吧，中部地区农村家庭这算一笔巨债，各种银行信用卡现金分期，各种小额贷款，网络贷款，车子房子抵押贷款，连她老婆名下也不能幸免，父母家天天被各种银行贷款公司委托的讨债人闹得一塌糊涂，一气之下把他赶出门，媳妇直接诉讼离婚孩子也不要了直接走了，真正的妻离子散，家人不容，有家不能回，凄惨！！！16年5月份后到现在就没消息了，，，，这人是我朋友圈一个最负面的警醒，整个圈子朋友都常谈起以此人为戒，坚决不做超出能力圈的事，不管赚再多钱，再风光，坚决不碰赌，不沾毒品，风光时要给老婆孩子，父母留一个保他们生活的安全垫。

55.亲身经历的一家国企公司从诞生到破产关闭。

2000年A公司成立，注册资本3000万，00年，01年亏损几百万。找到家台湾大企业合资注册资本一个亿。02年盈利几百万，03年顶峰，盈利3000万。04年盈利一千万。05，06年小盈利，07年公司几千万货款被一台湾人拖欠，A公司近一半产品由该台湾人包销，小亏。

08年亏损几千万，其中有800万是前些年倒卖进口原料被海关发现，罚款800万，欠款几千万的台湾人无钱支付所欠货款，以质量问题为由做退货处理。同年本地媒体报道，金融危机影响严重，盈利几千万的龙头企业因金融危机影响亏损几千万。A公司库存混乱，盘点存货，盘亏上千万。

总经理年终总结，行业性亏损，集体理解。09年-10年，行业萎缩，公司每年不再谈经营亏损状况。2011后一直亏损数额不详。12年因为与公司打劳动官司，在工商所查到官司09年后每年亏损千万以上。12年本人离开公司。14年A公司兼并集团下另一家公司。

16年，公司与一家私人企业建立合资公司试图转型，注册资本500万，集团有参股，公司骨干有参股，总经理参股300万。新公司法人为A公司经理。新公司部分费用从A公司走账。

16年底，当年设立A公司的集团负责人退休，集团新上任负责人决定破产关闭A公司止血。因为A公司关闭不支付补偿，A公司骨干与集团谈判:”请集团公司注意，某年，公司在长期亏损的情况下购买行业某公司二手生产线花了几千万，该生产线购回后花钱安装好就没有开工过，说是经营状况变化止损，行业持续亏损几年了，为何收购了二手设备才发现经营环境发生变化，请集团注意该收购行为是否存利益输送，存在在国有资产流失。”并发送举报信到相关部门。谈判结果集团支付补偿款。A公司进入破产清算手续中。

个人印象，部分国企，即便是成立了合资企业，建立了董事会，年年有审计，当企业处在内部人掌控中，破产关闭是迟早的事。

56.讲个自家的故事，2013年老爸进入电商服装行业，以为自己20年的服装经历可以面临一切，没想到电商的规则不一样，新客推广才是最重要的，老客才看质量，300万砸下出到现在都没利润。

看了这么多故事，从中收获了什么呢？只有你自己知道。有句话叫做，把别人碰的头破血流的经验教训拿过来用的人是聪明人，而不是我们自己去碰的头破血流来获得经验与教训。

您的吐槽和转发是我们前进的动力