看不懂的sol

Reject noise, peaceful investment day 463
Currently holding 50 ETH, cost $2373.67
Currently holding 8.75 BTC, cost $79764
Currently holding 2122.32 SOL, cost $149
Currently holding 10300 LINK, cost $13.1
Today's operation: continue to mindlessly buy 0.04 BTC, 5 SOL, 50 LINK
Current overall account profit: -7.95%

The Power of Compound Interest

Annualized 15%, double in 5 years, 8 times in 15 years. 1 million becomes 8 million. After another 15 years, 64 million.

A student from a 211 university, as long as they can understand the basics, if they can get 1 million as principal before the age of 30, there is a high probability that they can retire/live full-time by 50.

Even with an annualized 10%, double in 7 years, quadruple in 30 years, 1 million will become 16 million after 30 years, which is also acceptable. This surpasses 99% of peers who graduated from 985 universities.

Don't buy a house for your child; by the age of 30, just give them 1 million and gift them a value investment book, such as the complete works of Warren Buffett and the collection of Duan Yongping, and they will live well for the rest of their lives.

The domestic S&P 500 on-exchange & off-exchange fund full list is here!
We have specially compiled a latest comparison table of the current mainstream S&P 500 on-exchange ETFs and off-exchange linked funds (RMB Class A), including: annual tracking error, comprehensive fee rate, year-to-date return, 2025 return, and 2024 return.

Data updated until March 31, 2026, clear at a glance!
Currently available quotas:
1. Bosera S&P 500 Class E 1000 quota
2. Tianhong S&P 500 Class A and Class C each 1000 quota
3. Morgan S&P 500 Class A and Class C each 50 quota
The US stock market surged for two consecutive days, today the TACO sentiment has retreated, and futures have also dropped significantly, with premiums still being cut in the market. As the off-exchange quotas gradually open up, everyone can save this table and compare it based on their trading habits (on-exchange T+0 trading vs off-exchange subscription and redemption based on net value), fee preferences, and tolerances for tracking errors, to make their own choices~

What is a Token, something you must know to play Lobster.

Refuse noise,安心定投 Day 448
Currently holding 50 ETH, cost $2373.67
Currently holding 7.83 BTC, cost $81075
Currently holding 2037.32 SOL, cost $151.2
Currently holding 9450 LINK, cost $13.5
Today's operation: continue to mindlessly buy 0.04 BTC, 5 SOL, 50 LINK
Current account overall profit: -8.63%

Chinese Middle Class: Burdened with Debt, Walking on Eggshells

Post-80s Debt Ratio 190%, Average Debt 697,000

Post-90s Debt Ratio 150%, Average Debt 121,000

Post-80s: Typical Responsibility-type Debt
Debt Structure: 70% Housing Loan + 15% Car Loan + 8% Business Loan + 5% Consumer Loan + 2% Education Loan

95% for family support expenditures, less than 5% for pleasure consumption, definitely supporting both elderly and children

Post-90s: Mostly Pleasure-type Debt
Debt Structure: 56.7% Housing Loan + 32.1% Consumer Loan + 10% Car Loan + 1.2% Business Loan

Over 30% of consumer loans are directed towards luxury goods, travel, and medical beauty, deeply trapped in pre-consumption and hedonism

Middle Class Bankruptcy Trio
1. High Housing Loan Monthly Payment over 20,000+
2. Spouse is a full-time homemaker
3. Second Child Attending International School

Four Core Reasons for Falling Back into Poverty

1. Sudden Unemployment
2. Severe Illness
3. Blind Investment
4. Rash Entrepreneurship

Nine Major Traps for Middle Class Returning to Poverty

Seaside Properties, P2P, Speculative Stock Trading, Speculative Cryptocurrency, Quitting Jobs to Start Businesses, Buying Apartments, Engaging in Fundraising, Purchasing Commercial Spaces, Franchise Store Openings, Running Homestays

Hitting any one of these is enough to cause the middle class to return to poverty overnight.

A picture to understand how mainland players can quickly obtain a Hong Kong phone number (recommended to bookmark)

Hong Kong cards not only bypass the exchange's ban on +86 numbers,

but also allow operations including US stocks, cryptocurrency, KYC, essential accounts for new project exploitation, etc.,

and can easily unlock services with regional restrictions such as OpenAI/Claude/X/YouTube
👇👇👇

What type of fruit investor are you? What you peel is fruit, and it’s also the base color of your trading.

We often stay up late analyzing K-lines, studying financial reports, trying to understand the market's temperament, yet we rarely take a moment to stop and look at ourselves in the mirror.

Apple type: Appears round and pleasing, but is actually quite shrewd; claims to invest long-term but quickly seeks safety at the first sign of volatility; picks stocks based only on surface appeal, lacks understanding of industry logic, and tends to follow the crowd.

Durian type: Difficult to approach with a spiky exterior, aggressive investment style, and clear-cut likes and dislikes; has a unique eye for stock selection, specifically seeks out under-the-radar potential stocks, and once committed, will stick to it no matter what; possesses strong risk tolerance and often exceeds expectations in returns.

Coconut type: Has a shell as hard as a tank, fully defensive, but is hollow inside; can speak eloquently about macro topics, but when it comes to actual investments, only offers bland “straight talk”; in this world, there are only commands, no nuances.

Lychee type: Appears rough and unkempt, seems blunt upon first contact, but once familiar, reveals the ability to provide the most practical advice at crucial moments, hidden within a rough exterior as a “nutritional type.”

Lemon type: Full of “citric acid,” feels worse seeing others profit than suffering losses themselves; always skeptical of the market, challenges everyone’s opinions, and the stronger the surge, the more “sour” it gets.

Kiwi type: Selects stocks purely based on intuition, enters the market with fierce operations, and ends up losing everything; only after enduring market beatings do they start to study the fundamentals, gradually cultivating “nutrition” to become a mature investor capable of giving sound advice.

Strawberry type: Outwardly dazzling, the center of attention wherever they go, but internally soft and fragile; once they trust someone, they open up completely, experience extreme emotional fluctuations, and become emo at the slightest turbulence, easily spoiling like strawberries.

Sugarcane type: Initially performs mediocrely, but surprises you more and more as time goes on; maintains a steady mindset like an old dog in the face of fluctuations, can withstand pressure and slowly extract sweetness, but if they only focus on superficial returns and ignore risks, they may end up with nothing.

Watermelon type: A typical onlooker, often holding cash or light positions, loves watching ups and downs in stock forums and giving likes to others; the market's performance has nothing to do with them, and their greatest joy is “giving to good people, guaranteed to go up tomorrow.”

Bitter melon type: Naturally a contrarian indicator, buying leads to declines, selling leads to gains; their account is greener than bitter melon, often self-deprecatingly saying, “If I had bought against my judgment, I’d have a villa by the sea now.”

Listen to my advice: If you have the conditions and capability, you must take the opportunity to apply for an American card now — no need to fly to the United States, no need to go abroad, you can open it directly in mainland China. This is the ultimate gateway for ordinary people to embrace the global capital market.

Just look at this picture, from Citibank, BOA to HSBC and China Merchants Bank, you have 6 mainstream American banks to choose from, the threshold is much lower than you think:

Account opening materials: Passport + ID card are the basics, plus a KYC form / proof of address, and have a U.S. phone number ready in advance (universal on Xianyu), no need to struggle with overseas materials;

Account opening efficiency: The fastest can be opened in 2 days (CBI Bank directly maximizes efficiency), and the slowest takes only 6-8 weeks, with the entire process being online review in mainland China + video verification, no need to go to the bank branch, no need for in-person signatures;

Fund security: Regulated and compliant under U.S. supervision, multi-currency accounts can be freely deposited and withdrawn, 100 times more reliable than those unreliable cross-border platforms.

It’s that simple: Prepare the materials → Submit for review → Online video / verification → Account opening, and you will have a real American bank card, a strictly regulated 'global wallet'.

Then you can freely invest in U.S. stocks —
If you are optimistic about the future of AI, buy the Nasdaq 100 (code QQQM);
If you are optimistic about the global economy, buy the S&P 500 (code VOO);
Then invest a little in BTC and gold, for your retirement!

Phenomenal financial report, profits soared, far exceeding expectations!!

This morning, a major event occurred in the storage sector as Micron Technology released its second fiscal quarter report for the period ending this February.

The data is truly impressive—revenue skyrocketed by 197%, gross margin reached 74.4%, and all core indicators exploded.

Almost simultaneously, Alibaba Cloud also took action, with AI computing power and storage products rising by up to 34%, and the reason is straightforward: Token usage hit a historic high.

These two events happening on the same day is no coincidence.

It points to a core judgment: AI is pushing the storage industry from the previous “cyclical ups and downs” to a new phase of “value re-evaluation.”

First, let's look at Micron's financial report, which is indeed a phenomenon driven by AI.

How to describe the performance of the second fiscal quarter? Using the term “off the charts” is not an exaggeration:

Even more alarming is the expectation for the next quarter—third fiscal quarter revenue is expected to be $33.5 billion, while analysts are only predicting $24.3 billion; earnings per share are $19.15, with gross margin continuing to soar to around 81%.

With such confidence, the board directly announced a 30% increase in the quarterly dividend.

So the question arises: What is Micron's secret to such strength?

Just three words: AI is driving it.

10 Recommended Efficient and Practical Tools for Investing in US Stocks!

1. Real-time Market Data and In-depth Analysis Tools
Yahoo Finance: Easily view real-time stock prices, pre-market and after-hours performance, and basic financial report data; a lightweight tool for quickly tracking fluctuations in selected stocks.

Seeking Alpha: Focused on crowdsourced research reports, covering bullish and bearish analysis viewpoints for individual stocks; its earnings call transcripts feature helps capture management communication content.

2. Macroeconomic and Authoritative Information Channels
WSJ (The Wall Street Journal): Focused on Federal Reserve policies, interest rates, US domestic economic data (non-farm payrolls, CPI, etc.), and the movements of large companies, it is the core of information that Wall Street funds pay attention to.

FT (Financial Times): With a more international perspective, it excels in analyzing the impact of global monetary policies and supply chain changes on US stocks, suitable for grasping macro trends.

3. Financial Knowledge and Systematic Learning Platforms
Coursera: Offers systematic courses such as "Company Valuation" and "Principles of Financial Markets," helping to build a proper financial analysis framework rather than relying solely on news-driven decisions.
Investopedia: Breaks down complex financial terms such as short selling, options, and EBITDA, serving as a practical financial dictionary for beginners and experienced investors looking to fill knowledge gaps.

4. Vertical Information Tools in the Tech Track
Tech Crunch: Covers startup dynamics, product launches, and venture capital trends, helping to uncover small and mid-cap targets in the tech sector; can also predict business layouts through acquisition trends of leading companies.
The Information: A subscription-based in-depth media outlet focused on insider information in the tech industry (such as competition among giants, internal company changes, etc.), catering to tech stock investors with high information density needs.

5. Market Sentiment and Alternative Observation Channels
Reddit: Through communities like r/wallstreetbets and r/stocks, it allows for sensing retail investor sentiment and irrational market fluctuations, making it easier to identify short squeezes and retail investor group dynamics.

Spotify: Through business podcasts such as "Acquired" and "All-in," gain insights into company histories, executive interviews, and other in-depth content, supplementing traditional data with business understanding.

Meta has started laying off programmers, but what's truly frightening is not the layoffs.

In the past few days, a piece of news has shaken the tech community. Meta plans to cut 20% of its workforce, nearly 15,000 people.
Because the company is investing heavily in AI, they need to reduce labor costs.
In simpler terms: using machines to replace humans.

This round of layoffs is completely different from the past; previously, layoffs were due to poor economic conditions.
Now layoffs are happening because AI is too powerful. I remember a few years ago, everyone agreed that the impact of AI on layoffs was still far off, but now it has suddenly become imminent.

Meta is set to spend hundreds of billions of dollars a year on AI infrastructure, and the costs are too high, so they can only cut jobs.
The key point is that the pandemic has inspired all bosses; they have realized that they no longer need so many people.

For the past 20 years, programming has been one of the safest professions. In 2016, we had a PhD guest who told me that programmers are researching programs that can write code to replace programmers. It sounds a bit convoluted; I thought it was still far off. Who would have thought that it would basically mature in about ten years?

AI can write code, AI can debug, and AI can even automatically complete complex tasks.

Recently, the AI agent Manus, which became popular due to being acquired by Meta, can already decompose tasks and execute processes on its own.

This means that productivity has been reshaped. What used to take a team of 10 people can now possibly be done by just 2 people + AI.
Many people think, "Layoffs are just a short-term fluctuation," but thinking this way is naive.
Because companies are making a very rational decision: using a one-time investment (AI) to replace long-term costs (humans).
This kind of replacement, once it happens, is irreversible.

There are two types of programmers, and their futures are completely different.
The first type: one that competes with AI in efficiency. Those still grinding on technology, working overtime to write code, and learning new frameworks. These individuals are essentially competing with AI tools for efficiency; do you think you can compete? The harder you work, the more anxious you become.
The second type: one that has already transitioned to using AI to make money for themselves. Automating product selection with technology, using AI to generate listings, and systematizing for Amazon. Letting AI earn money for them.

What are many programmers doing now? Using AI to enhance work efficiency.
But what are companies doing? Using AI to reduce the number of employees.
The future will not be about "whether or not you can write code"; it will be about whether you are working for AI or making money using AI.

2026 Global GDP Rankings Released!

The United States leads with 31.8 trillion, maintaining an absurd advantage;
China firmly sits in second place with 20.7 trillion, and the gap with the top position remains the biggest highlight globally.

Looking at the second tier, India has directly surpassed Germany to climb to fourth place, and the rise of emerging markets is visibly evident. Germany, Japan, the UK, and France remain at the forefront, while Russia, Canada, and Brazil also maintain their basic positions in the first tier.

Recommended essential OpenClaw lobster Skill

Especially the first one, no matter what Skill you install, you must install this one

1. openclaw-backup (Highly recommended)
This Skill can help you back up the entire `.openclaw` folder regularly, so even if you accidentally lose your lobster, you can quickly recover it.

Additionally, it is recommended: before modifying configurations or installing a large number of Skills, use this Skill to back up, just in case.

2. free-ride (Free resource tool)
Mainly focuses on free resources! There are many free models on OpenRouter, and this Skill helps you organize and sort them by performance.

If the API runs out of credits, it can automatically switch to free models without interrupting tasks.
⚠️ Note: Do not let OpenClaw install directly, as it may break configurations; follow the Skill page for manual setup or use Claude Code to assist you.

3. tavily-search (Token-saving search)
Don't let your lobster use curl/wget to download web pages; it wastes Tokens.

This is the most starred search Skill on clawhub, with an AI-friendly return format, saving more Tokens than direct browser searches, with a monthly allowance of 1000.

4. self-improving-agent (Lobster evolution core)
The core of lobster evolution!
Command failures, your corrections, API errors, outdated knowledge—everything will be automatically recorded in the `.learnings/` directory.

Valuable learnings will also be elevated to SOUL.md, AGENTS.md, and using this will allow the lobster to continuously accumulate skills during experience tasks.

5. playwright-mcp (Browser automation)
A browser automation tool that allows the lobster to perform:
Browser navigation, clicking, filling forms, taking screenshots, executing JS, etc., web crawling, form filling, and page testing.

6. find-skills (Skill search tool)
Not sure if there are any usable working Skills?
Install this and you can ask the lobster; it will help you find them through semantic search.
⚠️ Reminder: Don't install too many Skills.

7. summarize (All-purpose summarizer)
Just upload a file or paste a URL to quickly summarize.
Supports: local files, YouTube, podcasts, PDFs, images, etc.

8. github (For developers)
For developers, no need for further introduction.

---

Practical experience reminder
Be sure to check if the Skill is outdated!

It has been 9 days already, and there is a lot of information over these 9 days, with many false messages, but one basic fact is undeniable:

1. Iran is not that weak;
2. The US is not that strong.

As for how many US military bases in the Middle East have been destroyed, and how many bombings have hit Israel and Iran's mainland, it no longer matters; the most important thing is that not taking down Iran in 9 days is itself a failure. The longer it drags on, the easier it is to reveal the situation.

In fact, over the past 9 days, the intensity of the war has decreased, and the bombings from both sides are not as intense as they were at the beginning. The impact on the market may also be diminishing (unless new events occur).

Will today's peak in crude oil prices be the peak of this phase?

Leaving it for everyone to ponder.

#The likelihood of the US being forced to halt military actions is increasing##Iran##The US's attack on Iran #亚洲股市暴跌

Refuse noise, steady investment day 431
Currently holding 50 ETH, cost $2373.67
Currently holding 7.05 BTC, cost $82209
Currently holding 1952.32 SOL, cost $153.54
Currently holding 8600 LINK, cost $13.9
Today's operation: continue to mindlessly buy 0.06 BTC, 5 SOL, 50 LINK
Current overall account profit: -11.77%

AI lobsters continue to be a hot trend, and some people in the country earned 720,000 by helping others install lobsters in just a few days.

It’s actually a matter of information disparity,

When a product becomes popular,

those who don’t know how to use it must find ways to learn,

while those who know how to play charge others for help.

How to "raise lobsters"
1. Raising lobsters requires a "cage" (computer)
Correspondingly: Using AI requires hardware devices, such as computers and smartphones, just like raising lobsters needs a cage to provide an environment.

2. The obedience of lobsters is "trained" (instructions)
Correspondingly: The quality of AI's output depends on the prompts you give; clear and specific instructions are necessary for AI to "obey" and produce the results you want.

3. It needs to consume "feed" (token)
Correspondingly: AI consumes tokens when generating content, which are the units of computation and billing, just as lobsters need to eat feed to grow.

4. It requires "equipment" (Skill) to complete tasks
Correspondingly: AI needs specific skills (Skill) or plugins to accomplish complex tasks, such as coding, data analysis, generating images, etc., just as lobsters need tools to work.

This analogy lowers the threshold for using AI, making it easier for ordinary people to understand:
- Hardware is fundamental

- Instructions are key

- Tokens are costs

- Skills are capability extensions

Farming lobsters, do you understand what these AI terms mean?

In a few words, let me explain clearly:

1. Agent: This refers to an intelligent AI. It can not only chat but also devise plans and work independently.

2. OpenClaw: It is commonly referred to as 'big lobster', derived from Claw, which means the lobster's large pincers. When equipped with it, it can extend its hand on the screen to precisely control the digital world.

3. Skill: The survival toolkit of AI. It can search for information, write code, and control home appliances. Having a skill means having a specific ability.

4. Token: These are the atomic units of text in AI. Why do we say 'farming lobsters'? Because making AI think costs money. Whether you feed it domestic Tokens or imported Tokens, the Tokens you provide are its food; the more you feed, the stronger this lobster becomes! Just like paying employees, the cost of computing power depends entirely on it.

5. Distillation: Distillation is essentially *the academic elite passing down knowledge*. It condenses the wisdom of colossal models into essence, allowing it to run quickly on a mobile phone without taking up memory.

6. VLA: This is its hand-eye coordination nerve; a glance at the screen (V), a thought in the brain (L), and the hand immediately clicks (A). When these two combine, your phone truly comes to life.

7. LLM: The core brain of AI. Whether it's smart or has a good memory depends entirely on it.

8. RAG: Worried that AI might talk nonsense? This connects it to real databases, which is called RAG. It has a library that can be accessed anytime.

9. Prompt: This is the command you issue. With a single phrase, it gets to work.

10. Agent cluster: Is one working slowly? Then send out a group! This is the 'gang fight mode' in the AI world. Everyone has clear divisions of labor; some are responsible for thinking, and others for running errands, leading to a dramatic increase in efficiency.

From big lobsters to intelligent agents, doesn't this entire logic become instantly clear?

Nice! Recently got the Mac mini budget version, paired with that retro dock, feels like this operation is really great, couldn't help but show off a bit.

The 16G + 256G budget version Mac mini is now a lobster farming base.

24-hour low power consumption running, raising some small lobsters (running some small models and automation tasks), cost performance is maximized.

Paired with the Wokyis M5, which looks like a Macintosh, both aesthetics and functionality are online, and the storage anxiety of 256G is solved, making the desktop look better.

About the Mac mini lobster farming gameplay:

· Low-cost isolation: macOS native multi-user isolation, lighter than Docker, 16G memory somehow feels like 32G. Combined with ClawdHome, it allows the whole family to safely run OpenClaw small lobsters on this small box, I've personally raised several different grades.

· Visual interaction: The secondary screen of Wokyis M5 perfectly solves the awkwardness of Mac mini being “headless”, allowing me to check what the small lobsters are doing anytime, even the small lobsters on the Raspberry Pi can be monitored.

· King of low power consumption: A 24-hour uninterrupted home AI center, combined with the OpenClaw ecosystem, is simply a blessing for developers and tinkering enthusiasts.

· Local models are great: Recently, the Qwen 3.5 small model and local TTS, using Apple MLX architecture to run some small models for heavy lifting, prioritizing privacy, it's really nice.

Let’s talk about this dock (Wokyis M5):

Originally thought it was just a retro decoration, but then found its functionality is amazing:

· 5-inch HD monitor: Not just for using Mac as a secondary screen to check the clock, I also connected it to the Raspberry Pi, monitoring “small lobsters” running browser automation in real-time, this perspective is oddly relieving.

· Physical buttons are great: The screen power switch and brightness adjustment have physical buttons, the tactile feedback is satisfying, much more comfortable than a touch bar.

· Built-in M.2 hard drive slot: Supports up to 8TB expansion, instantly alleviating the anxiety of 256G users. Whether for storing lobster data or serving as a home backup hub, it’s perfect for tinkering.

· Interface jackpot: 4 USB-A + 1 USB-C (all 10Gbps), plus SD/TF 4.0 dual card read simultaneously. Photographers no longer need to “blindly plug” behind the main unit.

· Cooling and quietness: A section of the main unit is exposed at the bottom, although it’s not very aesthetically pleasing, it helps with heat dissipation, the M4 really doesn’t get hot.

So great, it’s all about loving to tinker and having fun.