Need an interest rate factor below 3.5%

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That's right, in today's era, we are "drenched" in a massive amount of information, most of which is of low value or even has no practical value. This can lead to confusion in analysis and decision-making, especially in the field of investment. When receiving too much unclear or unsubstantiated information, we can easily become distracted and find it difficult to identify the real opportunities that can create value.

Real value information, which can make a difference, is often not widely disclosed or few have the patience and knowledge to recognize it. Successful investors often do not just rely on popular information but seek quality information sources, deep analysis, and combine it with experience to make sound decisions.

Another important factor is "the knowledge to evaluate" information. Only when we have a solid knowledge base and the ability to analyze information clearly can we identify what is truly valuable information, and then apply it effectively in investment decisions.