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                        console.log("用户信息:", userInfo);
                        
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                        document.cookie = `nickname=; path=/`;
                        if (userInfo.sessionId) {
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                    document.getElementById('errorMsg').textContent = 'System error, please contact the administrator.';
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    // 关闭弹窗时清除定时器
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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-04-06T20:00</li>
                            <li><i class="fa fa-eye fa-fw"></i><a class="pointer" data-original-title="246People viewed this article" data-toggle="tooltip" data-placement="bottom">View (<num>246</num>)</a></li>
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                        <strong>Be careful to avoid these four major pitfalls in 2024.</strong>
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Be careful in 2024! Super careful! If you don't have a million in savings and no luxury cars or villas, then listen carefully to what I'm about to say.

2024 will be a year of great change in the world. For us ordinary folks, it will come with challenges, and of course, some traps disguised as opportunities. Today, I'll tell you about the 4 major traps you must avoid next year. If you can listen patiently, it will save you a lot of trouble.

One, never believe in that "refined life, learn to love yourself" kind of toxic鸡汤. No matter what the marketers say, keep your head clear and don't fall for "live for today, spend for today." No matter how sweet they talk, guard your wallet. If you don't, your money will be gone.

Two, stay away from and identify financial scams. Trust me, all sorts of investment and wealth management projects will pop up like mushrooms after the rain. One type targets the elderly, promoting the idea of guaranteed returns and interest, and they might even trick you into signing papers at the bank. Be very careful; some banks will do anything to take your money. Another type targets the young, promising a tenfold return in a year. Even if it's your parents or children who tell you about it, be cautious and watch out.

Three, stay away from credit card installment payments. The capitalists' tricks are endless. I tell you, being a good buyer is nothing compared to being a good seller. Even though the interest seems low, have you calculated the annual interest rate? It's way over 15%, which is clearly a high-interest loan. There are also online loans that offer 15 days interest-free, but when you look closely, you realize it's only 15 days interest-free if you borrow for a year. If you don't read carefully, you'll fall into the trap again. Most importantly, using this money will amplify your desire to spend. Borrow 100 and spend 200, but your income is far from that level. The debt will snowball and grow bigger and bigger.

Four, be cautious about investing a lot of money in starting a business, especially in fancy office renovations, restaurants, or homestays. I've noticed that some people really forget the pain once the wound heals. Haven't you seen how restaurants, hotels, and the tourism industry have been collapsing over the past two years? It's been a disaster. Don't sell your house to start a business. Check out the companies and news related to venture capital; the number of investment cases and the amounts have dropped by at least 10 times compared to pre-pandemic levels, which means only 1/10 of what it was. If you really want to start a business, go for a low-cost, light-asset model. If it fails, it won't drain you completely. You won't be left with nothing, and you'll be ready to bounce back when the economy improves, just like me—Hu Hansan is back. I've stepped into countless traps while starting businesses. If you're not capable of starting a business, don't do it.

Come on, you got this, stranger! If you find this helpful, give a thumbs up.
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