这两天在看《助推》,作者是理查德·泰勒,助推译自原书的“nudge”,就是用胳膊肘轻推一个人的意思,大概是想说,害,小心看路,前面有坑,或者,害,你钱掉了。
中间作者提到一首关于“个人喜好”偏见的小诗,因为没有得到原诗作者的授权,他推荐读者去谷歌找一找,读者中便有人贴出来了,原文如下:
My dad gave me one dollar bill
'Cause I'm his smartest son,
And I swapped it for two shiny quarters
'Cause two is more than one!
And then I took the quarters
And traded them to Lou
For three times -- I guess he don't know
That three is more than two!
Just then, along came old blind Bates
And just 'cause he can't see
He gave me four nickles for my three dimes,
And four is more than three!
And I took the nickels to Hiram Coombs
Down at the seed-feed store,
And the fool gave me five pennies for them,
And five is more than four!
And then I went and showed my dad,
And he got red in the cheeks
And closed his eyes and shook his head--
Too proud of me to speak!
这看上去是一个童话,可是很多成年人也在犯类似的错误。特别是当25美分和1美元的真实价值不被人看到的时候。真实并不是每个人都能看见的,浅显的真实或许一双眼睛就足够了,魔术师的谜题是个例外。复杂的真实,靠的是用理性破除各种直觉思维的偏见。
人是社会的,而非经济的人。其中喜欢就是一种认知偏见。因为喜欢25美分的硬币,而用高于25美分的代价去换取,而且总认为这种换取多多益善,不觉得贵了反而认为划算。这件事可能正发生在我实际的投资经验中。
它提醒我,先确定自己所做的事情处于一个怎样的位置,然后我不得不思考自己所做的事情是远期的还是短期的,在整件事情的大历史中确定现阶段的策略,调整短期的心态。
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