<tbody id="1drgx"></tbody>
<button id="1drgx"><object id="1drgx"><input id="1drgx"></input></object></button>

<em id="1drgx"><strike id="1drgx"></strike></em>
<em id="1drgx"></em>

<li id="1drgx"></li>
  • 雨枫轩原创文学网 - 纯净的绿色文学家园 !

    雨枫轩

    私房钱效应

    时间:2019-09-17来源:网友提供 作者:罗尔夫·多贝里 点击:
    私房钱效应

     
      20世纪80年代初的一个多风秋日,被雨水濡湿的树叶在人行道上随风翻转,念高中的我骑着自行车去上课。上山途中,我瞥见脚下有一张纸,大大的,赤褐色。当我弯下腰时,赫然发现是张五百瑞士法郎纸钞。对一个学生来说,当时的五百瑞士法郎简直是天上掉下来的礼物。
     
      即使旧自行车的一切功能良好,我仍趁着钱在口袋里都还没放热,就跑去买了一辆高级自行车。
     
      当然,那时我自己也存了好几百瑞士法郎,但我绝不会把这笔储蓄花在一辆不必要的自行车上,我顶多偶尔从中拿一点钱看场电影。日后我才意识到自己的行为有多么不理性。钱就是钱,这点毋庸置疑,但我们往往不这么想,反而依据钱的来源不同而有不同的处置。所以钱不只是钱,它披着一件情感的外衣。
     
      问你两个问题。首先,你努力工作,年底时账户多出两万欧元,你会如何处置呢?A.安心地存在银行里;B.投资;C.进行必要的采购,例如整修发霉的厨房;D.搭乘豪华游轮。如果你和大多数人一样,就会选择A、B或C。第二个问题:你是两万欧元的乐透得主,你会拿这些钱做什么?再看一次刚才的选项。A、B、C或是D?现在,大多数人会选择C或D。当然,他们又犯了思考错误,两万欧元其实就是两万欧元。
     
      类似的思考错误也出现在赌场中。我有个朋友下注轮盘一千欧元,结果全输光了。当被问及此事时,他回答:“我其实没有输掉一千元,这一千元是我之前赢来的。”“但都是一千元呀。”“对我来说并不是。”他笑着说。
     
      相较于赚来的钱,我们会更轻率地使用赢来、捡到、继承来的钱。经济学家泰勒将此称为“私房钱效应”,指人们更敢将投机赢来的获利花在高风险的地方。这就是乐透得主在多年后往往比中奖前更贫穷的原因。当然,谚语也不能免俗地提到私房钱效应:“怎么来,就怎么去。”这堪称此现象最真实的诠释。
     
      市场营销策略家十分清楚私房钱效应的价值:如果加入空中飞人俱乐部,航空公司就“赠送”数千英里里程;电信公司在申请时“赠送”的通话优惠,使你打了许多不必要的电话。大部分的优惠券文化,都是建立在私房钱效应的基础上。当你赢钱或企业“赠送”你某些东西时,请留意,你可能因为不知节制,很快就会损失更多。你最好撕开金钱的诱人外衣,把它塞入工作服,直接存进银行账户里。
    顶一下
    (2)
    66.7%
    踩一下
    (1)
    33.3%
    ------分隔线----------------------------
    发表评论
    请自觉遵守互联网相关的政策法规,严禁发布色情、暴力、反动的言论。
    评价:
    用户名: 验证码: 点击我更换图片
    五福彩票app
    <tbody id="1drgx"></tbody>
    <button id="1drgx"><object id="1drgx"><input id="1drgx"></input></object></button>

    <em id="1drgx"><strike id="1drgx"></strike></em>
    <em id="1drgx"></em>

    <li id="1drgx"></li>
  • www.00amjs.com | www.66376u.com | www.5556358.com | 4997p.com | www.12136o.com | 37889.com | www.029079.com | www.7240v.com | www.t8119.com | 3566rr.com | www.312522.com | www.40288e.com | www.65358.com | 4123qq.com | www.cp8013.cc | www.9299.cc | xcdc688.com | 8827ttt.com | 4260022.com | www.xj1996.com | www.yh684.com | 518cp0.com | 1463a.com | www.011888aa.com | www.272018.com | www.776577.com | 61321122.com | 29522dd.com | www.5522s.cc | www.12136x.com | www.pj55585.com | www.yinhecc00.com | 0207206.com | www.061966.com | www.3933n.cc | www.735518.com | www.7498.com | www.5599365.com | 998z.cc | vs665.com | www.hx1111.com | www.938690.com | www.js9969.com | 1288ss.com | 88993g.com | amblr87570.com | www.680352.com | www.hr1811.com | www.808888z.com | www.7t567.com | 114239.com | 2222k05.com | gh7104.com | www.c6449.com | www.hg6222.com | www.hg8hh.com | www.335666.com | 50020022.com | 3844p.com | jj4255.com | 3049p.com | www.610659.com | www.bet73w.com | www.1851137.com | www.335503.com | www.mmtx22.com | www.hg992255.com | 109899.com | 50099o.com | 73730524.com | nn8159.cc | 79964t.com | zz811.com | www.022190.com | www.550423.com | www.60108h.com | www.130a56.com | www.26123bb.com | www.sbd025.net | www.8882244.com | www.67797a.com | www.4331j.com | www.zun544.com | 2222k09.com | u40033.com | ggtiao.com | 0080s.com | www.547177.com | www.701514.com | www.849770.com | www.41518z.com | www.ihg5522.com | www.390292.com | www.563736.com | 61326611.com | www.332902.com | www.sjgc2.com | www.52072d.com | www.80175.com | www.1213688.com | www.66653s.com | www.16065z.com | www.52062f.com | www.vnsr2345.com | www.7239d.com | www.61233n.com | www.878.me | www.9356i.com | www.3126d.com | www.33015.cc | www.355294.com | www.guocai667.com | yphbuy.com | 3405www.com | p82365.com | 5350q.com | 2334vip7.com | www.64448.com | www.js80088.com | www.33ms33.com | www.381818.com | www.9737ff.com | www.196606.com | www.4923a.com | www.77dwj.com | www.526071.com | 83086n.com | 44077z.com | z35151.com | jr9933.com | k67890.com | 308827.com | www.67797k.com | www.wsvip0.com | www.94675.com | www.5446vv.com | www.5856863.com | www.4323o.com | 09244777.com | www.61655r.com | www.820687.com | 20055566.com | 01234oo.com | kk7742.com | 8977.com | www.xw3344.com | www.115527h.com | www.48330m.com | www.26163h.com | www.00tdc.com | uedhot8899.com | 068089.com | 73567tg10.com | 69990c.com | www.sss998.com | www.caipiao88c.com | www.77537.com | www.591015.com | 67877b.com | 6487qqq.com | www.9374b.com | www.41610.com | www.3383066.com | www.hjin3.com | 2613v.com | 0907hb.com | 9421tg15.com | www.6hg6668.com | www.77803y.com | www.581477.com | 91019u.net | t2306.com | www.88msa.com | www.8350.vip | blr6644.com | www.js9090.com | www.3550.com | www.5xcj.com | blm800.com | hg77033.com | www.xj5577.com | www.4996jn.com | www.979738.com | 684237.com | xs806.com | www.188588.com | www.9646x.com | www.456586.com | agaa29.com | www.32126k.net | www.115527g.com | www.533508.com | 8381hh.com | www.xpj9849.com | www.469703.com | www.508277.com | 30019cc.com | www.607788.com | www.792063.com | www.135125.com | 081234.com | www.ylhg5858.com | www.f80288.com | www.hm6988.com | 2190g.com | www.66930000.com | www.99094x.com | 168cp-y.com | 228888o.com | www.7415w.com | www.022z.cc | 7720l.com | www.8520q.com | www.4963ff.com | www.513.vip | jixian678.com | www.wnsr858.com | www.81608d.com | 4195ff.com | wfcp444333.com | www.888msb.com | www.18005.com | 8036m.com | www.xpj237.com | www.3479aa.com | 3614z.com | www.mk926.com | www.lg7717.com | 93922z.com | www.d9008.com | www.541711.com | 1077kkk.com | www.c5c33.com | www.099192.com | jnn003.com | www.1434i.com | 80850o.com | www.88jt555.com | www.50052j.com | 5504q.com | www.66136cc.com | www.9928m.com | 7003o.com | www.55650.com | www.gu64.com | 87665n.com | www.99552bb.com | zz8159.cc | www.xj4466.com | www.786587.com | yhguizhou.vip | www.huangma27.com | 80579g.com | www.qy324.com | www.78949c.com | 86611k.com | www.mgm868009.com | jixiang20.com | www.06111.com | www.5522m.cc | 3202j.com | www.391146.com | 717blr.com | www.k7764.com | 55899h.com | www.626022.com | www.523745.com | www.81866c.com | www.bet3651687.com | 56728i.com | www.35252d.com | 667766m.com | www.2945m.com | 99111hh.com | www.77595g.com | www.097710.com | www.40686c.com | www.qml0.com | www.tyc8588.com | www.937986.com | zhcp76.com | www.ejylc14.com | afcp03.com | www.2566y3.com | 91019m.com | www.88325m.com | 0343i.com | www.838993.com | 6200js.com | www.hg8yy.com | 9679o.com | www.138cpb.com | 89777v.com | www.24199.com | 115478.com | www.709msc.com | 3049w.com | www.yt7488.com | 3467t.com | www.3157h.com | 1458c.com | www.00xpj58.com | 4541r.com | www.0612g.com | 111pj8.cc | www.x98478.com | 55545j.com | 3238.com | www.505msc.com | www.912481.com | www.o27229.com | www.580896.com | www.dhygw46.com | 0088wd.com | www.pj66119.com | 3552.com | www.2632e.com | www.00829t.com | 85698h.com | www.sscb88.cc | www.2221107.com | 66300vip25.com | www.1100ra8.com | 1882229.com | www.610560.com | www.080678.com | 1634c.com | www.681183.com | 55899x.com | www.621361.com | www.713msc.com | by777.com | www.pj3608.com | 8406.com | www.923887.com | www.msc22.la | 69441144.com | www.gai50.com | www.vns76999.com | vv879202.com | www.09gcw.com | www.hg0728.com | yl.net | www.w77929.com | www.v0020.com | 67890fff.com | www.0089.cc | www.yd555888.com | 22890.co | www.3207.com | www.234894.com | 0554xc.com | www.yun1818.com | www.j27229.com | uu1331.com | www.66376w.com | www.0005156.com | 9679o.com | www.2934j.com | www.hg8870.com | 2214kk.com | www.730124.com | www.rycp051.com | df8z.com | www.108382.com | www.91779z.com | www.bmcp1344.com | 38238m.com | www.2408c.cc | www.rgcp.cc | yh888u.com | 2613n.com | www.win1237.com | www.msc44.la | 3550m.com | www.231002.com | www.50999m.com | BY30838.com | 1654ss.com | www.66201.cc | www.7779566.com | 6220e.com | 65005v.com | www.7782f.com | www.85857j.com | 50099t.com | 73999r.com | www.50732k.com | www.dcyyh.com | mm33.vip | 1654ss.com | www.zfcp7.com | www.00773o.com | www.28758a.com | 065l.com | 23800w.com | www.41518g.com | www.79500.com | www.hg3388.org | 209dh.com | www.177474.com | www.2848ddd.com | www.4445156.com | mm99900.net | i3405.com | www.911283.com | www.32031e.com | www.7045d.com | 0033q.cc | 59599f.com | www.71399u.com | www.66652g.com | www.9737ll.me | www.7025d.com | y2537.com | 079.com | www.393860.com | www.4520099.com | www.1919msc.com | www.32126f.net | 112e.net | 44p88.cc | pj90856.com | www.955381.com | www.1117758.com | www.68277111.com | www.85770q.com | 86226m.com | l4255.com | www.355225.com | www.58870t.com | www.704906.com | www.76775g.com | www.767xpj.com | 11005k.com | 721023.com | 1429t.com | www.375967.com | www.75679.com | www.yz7708.com | www.wd817.com | www.rrrr0063.com | www.3653306.com | feicai0418.com | 4025d.com | 5651x.com | q2894.com | www.068637.com | www.799666a.com | www.a387387.com | www.aaa2848.com | www.bb55826.com | www.922848.com | www.t8119.com | www.wns8828.com | 56988j.com | 4340q.com | 66300.com | 36400011.com | blr940.net | 66335003.com | 111000rr.com | 44ff8331.com | 21579455.com | www.684344.com | www.ywzuqiu.com | www.26878c.com | www.pj56g.com | www.972577.com | www.621468.com | www.766169.com | www.00772u.com | www.ggx.99233x.com | www.5589111.com | www.489789.com | www.xpj0978.com | www.hg2217.com | www.xpj6t6.com | www.7830q.com | www.7188c.com | www.1005cm-11sadfadssdxczfvadsfasdfasdcac.com | y68.com | 53t.com | y1771.com | 229649.com | feicai0713.com | mgm3242.com | 7935b.com | 8052.am | 8577d.cc | 32355hh.com | www.tyc654.com | www.hg39899.com | www.yinhecc11.com | www.21365zz.com | www.9679u.com | www.vns4668.cc | www.817711.com | www.74849.com | www.0057g.com | www.s80288.com | www.jsdc9333.com | www.9908.com | www.26299z.com | www.sxyl0.com | www.616888.com | www.175709.com | 444vn77.com | 84494499.com | 3405vv.com | yz222999.com | www.yh8880.cc | www.88837g.com | www.336631.com | www.3157r.com | www.js89f.vip | www.940.com | www.098wy.com | www.385626.com | lswjs568.com | 8569811k.com | ppp7570.com | 86688004.com | www.hga8181.com | www.199424.com | www.60886j.com | www.585.cc | www.915044.com | 54443v.com | 22pp8331.com | 32555z.com | feicai0358.com | www.4625k.com | www.vs1368.com | www.99552xx.com | www.6653d.com | www.640177.com | 5003o.com | blr135.com | 2643l.com | www.25288p.com | www.caipiao88c.com | www.37266a.com | www.857380.com | www.86267i.com | 3467v.am | 2247z.com | www.68003.com | www.2544g5.com | www.8039m.com | 66300vip28.com | 095mobile.com | 38850077.com | www.7111o.com | www.009289.com | www.07163s.com | 30019a.com | 16340001.com | www.hg7979.com | www.qmc0077.com | www.0099wd.com | www.210955.com | 5000008059.com | 365vip07.win | www.h976.com | www.3978g.com | www.77114e.com | 1468xxx.com | www.333hwx.com | www.f3065.com | www.35155r.com | 66648m.com | 00qq8331.com | www.hg2020f.com | www.59999.am | www.196903.com | 99345.com | www.pjbet777.com | www.650391.com | www.917787.com | 5168cc.cc | 389988.com | www.755.so | www.055b.cc | 1227011.com | 748575.com | www.cgcp.com | www.c4525.com | 19880k.com | 1259n.com | www.4963ii.com | www.715777a.com | ly88888885.com | www.55hggj.com | www.64566.bet | www.506791.com | 2324ddd.com | www.16635.com | www.fg9905.com | 00552007.com | 11663885.com | www.557116.com | www.am6543.com | 37688l.com | www.js50333.cc | www.6482c.com | yy2649.com | www.1869x.com | www.3032ll.com | www.101363.com | 48611.com | www.808888e.com | www.718568.com | 55967s.com | www.vn22dd.com | www.52072r.com | 9002y.com | www.7025e.com | www.bet73m.com | 159666i.com | www.862365.com | www.719880.com | 17yy.com | www.292xpj.com | www.ejylc13.com | 3846m.com | www.67797c.com | www.a991qp.com | 3559cc.com | www.20180077.com | www.ya658.com | 3662u.com | www.66238.com | www.609717.com | 56787bb.com | www.673888e.com | www.36166v.com | bet577n.com | www.2021e.com | 9149o.com | www.365uu6.com | www.89894t.com | wlb111.com | www.pj3098.com | www.160wt.com | P35r.com | www.b35oo.com | 8901y.com | www.hg73.com | www.3933y.cc | 2490i.com | www.44mgm777.com | 656992.com | www.77537e.com | www.1035l.com | 2142244.com | www.9570113.com | 99567z.com | www.884554.com | www.809217.com | feicai0532.com | www.68993273.com | 7508p.com | www.cpa866.com | 23800f.com | www.4938r.com | www.dao70.com | 33382b.com | www.575477.com | 4546.com | www.19019e.com | 87665z.com | www.jszg22.com | www.511059.com | www.39728.com | www.9478x.com | wlb777.com | www.984707.com | 19yl.com | www.30350d.com | 4060xx.com | www.3306488.com | 20188f.com | www.41610.com | 97297o.com | www.zr918.com | www.238500.com | www.87680x.com | www.775730.com | www.hg1388.net | www.c5635.com | ylzz7.cc | www.gocp1.com | 1319822.com | www.2934v.com | ff555c.com | www.2934p.com | vnsr11888.com | www.3136aa.com | 0600r.cc | www.xcn6.com | www.pj6333.com | www.961219.com | www.7435u.com | www.693670.com | www.benz4343.com | www.338061.com | www.444xhtd.com | www.68568e.com | www.lhj2288.com | 7720o.net | www.lygxs.com | 5144l.com | www.4727099.com | 5443a.com | www.78680z.com | 22296beijin.com | www.12455u.com | 3049d.com | www.c5905.com | www.v16677.com | www.343577.com | www.8577k.cc | lixingyoulun.com | www.38345d.com | 0343q.com | www.37377d.com | feicai0899.com | www.slyl3.com | www.365815g.com | 4195h.com | www.35252x.com | 983888d.com | www.42456655.com | 68963555.com | www.791561.com | www.hg0360.com | 8988z.com | www.00778e.com | 098905.com | www.8039y.com | www.3459k.com | 99151l.com | www.5446rr.com | 35222k.com | www.26878r.com | www.xpj3358.com | 0234oo.com | www.0052737.com | 3340.com | www.974688.com | www.hg2219.com | 3030011.com | www.cb600.cc | 20058.com | www.41518b.com | www.80969t.com | 90856i.com | www.hm3788.com | www.7726e.com | 4165r.com | www.99677n.com | www.6666.cm | 89777o.com | www.xpj3133.net | am2983.com | 937004.com | www.bwinyz46.com | 0241e.com | www.218251.com | www.ac775.com | hjdc43.com | www.648689.com | www.491888.com | 3550k.com | www.671566.com | www.39277.com | 3775775.com | www.649770.com | www.c555.cc | 915905963.com | www.357411.com | www.16181e.com | 83377s.com | 2306.com | www.zzw555.com | www.yinhe9507d.com | 145237.com | www.66653k.com | www.yz889.com | yun555.com | www.hj8987.com | www.js00033.com | 80368nn.com | www.89894i.com | www.38775ll.com | www.v6789.com | 6150t.com | www.8816u.com | www.hg30.com | 28839y.com | yongfengfa.com | www.789583.com | www.sfwhys.com | 08159k.com | www.585560.com | www.b35yy.com | www.veb188.com | 998s.cc | www.lu126.com | www.ggl.99233l.com | 2767a.com | bb8888-2.com | www.31930.cc | www.jy879.com | 1077sss.com | 2805j.com | www.072wy.com | www.c72.com | 33229193.com | 55545q.com | www.550247.com | www.60886e.com | www.20161166.com | 4018e.com | 18787h.com | www.ya2019a.com | www.xw3344.com | 2509.com | wns789.net | www.788572.com | www.60886e.com | www.4645555.com | 73055d.com | 59599b.com | www.937787.com | www.5583066.com | www.10611a.com | 33318n.com | 8381ss.com | www.819847.com | www.564288.com | www.3456j.com | 2869c.com | 4379v.com | www.196302.com | www.vip8313.com | www.668cp44.com | www.85770g.com | 9506f.com | 26444w.com | www.890517.com | www.56011c.com | www.9068nn.com | www.81866c.com | 3405mmm.com | 3225g.com | 2400010.com | 33018.com | dafa888.com | js395.com | www.1368k.cc | www.41518r.com | www.454647.com | www.hb858.cc | www.42456611.com | www.x94600.com | www.506830.com | www.http://448378.com/ | www.58118a.com | www.50999l.com | www.986076.com | www.o948o.com | www.307015.me | www.jjjj55555.com | www.zuqiu988.com | www.kxm06.com | www.56655k.com | www.35252w.com | www.1700.com | www.4963ff.com | www.u32939.com | www.biying930vip.com | www.mgm868009.com | www.44mgm777.com | www.45598p.com | www.88325n.com | www.80868.com | www.393008.com | www.xj445566.com | www.71399c.com | www.23636g.com | www.779zf.com | www.910355.com | www.599845.com | www.355274.com | cidubbs.com | 4503.com | 69y69.vip | bwinbbb.com | 9856ll.com | 4556o.com | 2019gg.cc | www.wn2048.com | www.7025l.com | www.0098.cc | www.jy878.com | www.38138x.com | www.hg7833.com | www.606756.com | www.27676.cc | www.803242.com | www.156050.com | 80368h.com | 667766u.com | 39990066.com | 2142288.com | 1wns.com | www.0860x.com | www.hg6733.com | www.pj888h.com | www.pj55712.com | www.86267f.com | www.c1336.com | www.hcw776.com | x171717.com | pw9.com | 999649.com | 1294e.com | www.1hg88.us | www.caishendi.com | www.14168c.com | www.77114l.com | www.769289.com | 2012bet5.com | 53262qq.com | 50067x.com | www.v65999.com | www.3775775.com | www.hga55500.com | www.bmw1022.com | www.857t.com | www.87668o.com | 1592.com | hjdc43.com | www.653509.com | www.37767.com | www.1389ff.com | www.86339p.com | www.2632m.com | www.52072q.com | 1483b.com | 20054433.com | www.sb9907.com | www.56655w.com | www.683158.com | www.833585.com | 3822m.com | v82365.com | www.7435j.com | www.09848.com | www.d63568.com | www.962779.com | xsj.com | u4808.com | www.bet365a4.com | www.85857q.com | www.3208.com | www.412688.com | a83377.com | 307590.com | www.aa444.vip | www.99113x.com | www.81678k.com | www.106356.com | 31194444.com | www.033033a.com | www.746778.com | www.79966.com | www.318075.com | 4255ggg.com | 7334z.com | www.888365q.com | www.ya2019z.com | www.178675.com | 4270nn.com | www.7168803.com | www.58665l.com | www.54400j.com | 7508.com | r7742.com | www.wns0028.com | www.62979c.com | www.795535.com | 44559193.com | 18775d.com | www.608499.com | www.5522j.cc | 113365.com | 2851k.com | www.kjlhc.cc | www.50052s.com | 9411ggg.com | 660411.com | www.1817.cc | www.36166hh.com | 0612j.com | 2138.com | www.k8kk11.com | www.66332p.com | yin3131.com | pj444.com | www.hjcp3.com | www.2350g.com | 22227893.com | www.8767700.com | www.b35pp.com | www.677038.com | 0615009.com | www.58777t.com | www.42456699.com | 32424k.com | v778.com | www.e4042.com | www.2109k.com | 047103.com | www.tyc8808.com | www.wns123e.com | www.178612.com | 2jsiii.com | www.76775d.com | www.2934n.com | 6177006.com | www.55225454.com | www.3a002.com | 7935e.com | 500000777.com | www.hs6666.com | www.452803.com | 90307n.com | www.55555yh.com | www.hjin4.com | 0245j.com | www.987msc.com | www.9478k.com | 80850ss.com | www.xxx2205.com | www.00665e.com | 6608510.com | www.76543s.com | www.8998799.com | k85686.com | www.pjguangdong.com | www.97828v.vip | 33567d.com | www.xpj1177.cc | www.7249z.com | 123456.cc | www.mgm004.com | www.pujing95.com | 3678gg.com | www.25288m.com | www.33997g.com | 4636677.com | www.815333.com | www.kv10.com | 3242g.com | www.938e.cc | www.376395.com | 538.cc | www.4546500.com | 95gamevip3.com | www.ag88100.com | www.1178058.com | 3559w.com | www.8088msc.com | www.960923.com | 418923.com | www.huangma22.com | 22296ee.com |