一、币圈中最主要的投资货币就是比特币
The most important investment currency in the currency circle is Bitcoin.
比特币最近经历了大涨和大跌，它的价格的发展乘坐了一回过山车，这的确刷新了投资者的眼光。
Bitcoin had recently experienced a major ups and downs, and its price development had taken a roller coaster, which had indeed refreshed investors' eyes.
虚拟货币作为财富分配领域仍然存在着巨大变数的一环，始终都存在着莫大的未知数，这些未知数吸引了不少的资本前往该领域逐利。
Virtual currencies continue to be a part of the huge variables in the area of wealth distribution, and there is always a great deal of uncertainty that attracts a great deal of capital for profit in this area.
这些充满了变数的事实真相让不少投资者的心脏都直呼：受不了。这种残酷的事实真相正让社会的财富错误地走向不同的发展方向。
These facts, which are full of variables, have made many investors’ hearts insist: they are unbearable. These cruel truths are driving society's wealth in the wrong direction of development.
所有人都赚钱是不可能的，只有少部分人能够在币圈真的换得钱财，而能够有幸接受到这些信息的人物，大概就是那少部分人了。
It is impossible for all to make money, and only a few people can actually exchange money for money in the currency, and those who are fortunate enough to receive this information are probably the few.
而比特币作为币圈比重相当大的一种币，在虚拟币圈中占有重要的地位。在这一个新时代里，得到比特币者得币圈，得币圈者在金融领域将具有一个可以好好说话的机会。
Bitcoin, which is a significant currency in the currency circle, has an important place in the virtual currency circle. In this new era, when the Bitcoin earner wins the currency, the earner will have an opportunity to speak properly in the financial sphere.
过去在币圈，不少诈骗分子利用币圈的空隙进行诈骗，这种行为是令人可耻的，这种行为的确让不少的家庭家破人亡，给群众造成了严重的损失。保持善良固然能使自己适合在人际社会生存，可是，币圈不讲人情。
It is shameful that in the past, in the currency circles, many fraudsters used the space of the currency circles to defraud, which did destroy families and inflict heavy losses on the population. While maintaining good will makes them fit to live in an interpersonal society, the currency circles are not human.
现在，在币圈，它也不会因一个人的好意而变得更加容易生存，在币圈，讲究的是数字， 是比特币的等价货币——美元。
Now, in the currency, it's not going to be easier to survive because of a person's good intentions, in the currency, it's about numbers, it's about bitcoin's equivalent — the dollar.
二、币圈鱼龙混杂，能够在其中获取利益的都是投资界的大佬
Two, the coins are mixed up, and the ones who can benefit from it are the big ones in the investment world.
币圈是不少明星大腕都参与的圈子，这些明星都给币圈一种额外的信心，比如权力的游戏中的艾莉亚的演员，绰号又叫“二丫”，最终她受到币圈大佬的邀请，也购入了一部分的比特币。
The circle of coins is one in which a lot of stars are involved, and these stars give the circle an extra confidence, such as the actor of the power game, Alia, nicknamed "two girls," who was invited by the big guy in the ring and bought part of the bitcoin.
您可能知道比特币一直在飙升。您可能还知道这是一种加密货币，当它的价值飙升或下降时，它突然成为了每个人最喜欢的主题，并且它已经存在了很长的时间，因此您可能应该比现在更了解它。
You may know that bitcoin has been soaring. You may also know that it is an encrypted currency that suddenly becomes everyone's favorite theme when its value soars or falls, and that it has existed for a long time, so you should probably know it better than you do now.
不用担心 我们已与财务顾问重新讨论了基础知识，以帮助您快速入门并帮助您回答一个最近可能在您脑海中浮现的问题：我应该购买比特币吗？如何购买？
Don't worry, we've been rediscussing the basics with the finance consultant to help you get in quickly and to help you answer a question that may have surfaced in your mind recently: Should I buy bitcoins? How?
投资专家丹·赫伦（Dan Herron）每次向Google输入“如何投资比特币”时，都会得到“ 1000万个来源，没有授权”。
Every time an investment expert, Dan Herron, entered into Google “How to invest in bitcoin”, he was given “10 million sources, without authorization”.
这涉及加利福尼亚州圣路易斯·奥比斯波的Elemental Wealth Advisors的财务顾问。他想为自己的千禧一代客户了解加密货币，当然，他一直在关注今年秋天该资产的价格飙升。
This is about the finance consultant for the Elemental Health Advisors in St. Louis Obespo, California. He wants to learn about the encoded currency for his millennium clients, and of course he's been looking at the price of the asset this fall.
因此，他最近参加了为期两天的比特币会议。甚至那给他留下了更多的疑问而不是答案，并且使人感到围绕货币的文化可能有点“过于僵化”。
So he recently attended a two-day Bitcoin conference. That even left him with more questions than answers and a sense that the culture surrounding money might be “too rigid”.
然后他找到了Coinbase。数字货币交易所是美国最大，英国最常用的货币交易所，越来越多地成为个人投资者在许多国家/地区购买比特币的主流途径。
Then he found Coinbase. The digital currency exchange is the largest in the United States and the most common currency exchange in the United Kingdom, increasingly becoming the mainstream way for individual investors to buy bitcoins in many countries/regions.
该交易所在美国金融犯罪执法网络中注册，并获得了英国金融行为监管局的电子货币许可证。其他主要交易所包括Kraken，Bittrex和Binance，按交易量计算，它们是世界上最大的现货加密货币交易所。
Other major exchanges include Kraken, Bittrex, and Binance, which, by volume of transactions, are the world’s largest off-the-shelf encrypted currency exchange.
在中国币虎和币易都是合法的交易所，并且有生存的空间。
Both the Chinese currency and the currency are legitimate exchanges, and there is room for survival.
注意：S / P 500指数以1月1日为准，表示每比特币和每金盎司美元。
Note: The S/P 500 index is based on 1 January and represents per bitcoin and per gold ounce.
三、比特币上涨，其他国家对此作出的反应
III. Bitcoin rise, reactions of other countries
在过去的几个月中，加密货币的表现优于传统投资，这是因为资金有了合适的进入和产出的空间。
In the past few months, cryptographic currencies have performed better than traditional investments, as funds have the right space to enter and produce.
交易所通常收取百分之几的费用来存入资金和进行交易。如果交易所仅使用外币，则用户可能还需要支付汇率费用。
If the exchange uses foreign currency only, the user may also have to pay exchange rate fees.
对于Herron来说，开设帐户就像是注册数字股票交易平台Robinhood一样。在感恩节假期期间，他输入了当地银行的详细信息，验证了自己的身份，然后通过将资金转入新帐户购买了价值100美元的比特币。交易费约为3美元。
For Herron, opening an account is like registering a digital stock exchange platform, Robinhood. During Thanksgiving holiday, he entered details of local banks, authenticated his identity, and then bought $100 worth of bitcoins by transferring funds to a new account.
比特币可能是世界上最著名的数字货币，但它远非宇宙中唯一的硬币。近年来，包括以太坊，Ripple和Tether在内的大量新加密货币进入了该领域。甚至Facebook在2019年启动了一个名为Libra的加密货币项目，但几乎立即引起了监管上的反弹。该项目背后的协会现在已 更名为Diem。
Bitcoin may be the world’s most famous digital currency, but it is far from the only coin in the universe. In recent years, a large number of new encrypted currencies, including Etheria, Ripple, and Tether, have entered the field.
四、以比特币作为长期投资的理由
IV. Bitcoin as a reason for long-term investment
比特币是一种未知的人或一群人在2008年发明的一种加密货币，名称为Satoshi Nakamoto。它是一种分散的数字货币，无需中央银行或单一管理员，可以在无中介的情况下在点对点比特币网络上从一个用户发送到另一个用户。
Bitcoin is an encrypted currency invented by an unknown person or group of people in 2008 under the name Satosh Nakamoto. It is a decentralized digital currency that can be sent from one user to another without the need for a central bank or a single administrator and without an intermediary on the Bitcoin network.
这种货币非常安全，可制造起来也非常复杂，会消耗大量的资源，是不被提倡的只在民间流通的货币。因此，它有着非常广阔的生存空间。
This currency is very secure, and it can be made very complex, and it can consume a great deal of resources, and it is an unprovoked currency in private circulation. So, it has a very large space for survival.
亿万富翁投资者迈克·诺沃格拉茨（Mike Novogratz）表示，在比特币“供不应求”的背景下，他看到了“大量新买家”。Galaxy Digital的创始人对他对加密货币的看法并不害羞，并在上个月表示价格可能达到65,000美元（现在约为19,000美元）。
Mike Novogratz, a billionaire investor, stated that he saw “a large number of new buyers” in the context of Bitcoin's “deprived supply”. Galaxy Digital's founder was not shy about his view of encrypted money and indicated last month that prices could reach $65,000 (now approximately $19,000).
他在Twitter上回复了Maisie Williams，后者在《权力的游戏》中饰演Arya Stark。她问她的270万关注者是否应该投资数字货币。其他曾支持加密货币的名人包括史努比·道格（Snoop Dogg），阿什顿·库彻（Ashton Kutcher）和迈克·泰森（Mike Tyson）。
He responded on Twitter to Maisie Williams, who played Arya Stark in the Game of Power. She asked her 2.7 million followers whether they should invest in digital money. Other celebrities who had supported encryption money included Snoop Dogg, Ashton Kutcher and Mike Tyson.
Elemental Wealth的Herron认为比特币是更广泛对话的一部分，特别是对于那些拥有25-30年时间以及对数字金融有偏爱的年轻投资者。
Eleanor Wealth, Herron, considers Bitcoin to be part of a broader dialogue, especially for young investors with 25-30 years and a preference for digital finance.
他不建议任何人急于将他们的紧急储蓄用于加密货币。但他确实将其视为整体组合的一部分，在当今低利率的环境中，这种组合可能“稍微增加您的回报”。他说：“如果您有能力将投资组合的5％放在那儿，然后让它升值并观察会发生什么，您可能会考虑。”
He does not suggest that anyone rush to use their emergency savings for encrypted currency. But he does see them as part of an overall portfolio that, in today's low-interest-rate environment, may “a little increase in your return.” He says, “If you can put 5% of the portfolio there and then let it appreciate and see what happens, you might think.”
位于图森的财务顾问贝克特·集体（Beckett Collective）的创始人兼合伙人特蕾莎·莫里森（Theresa Morrison）也将加密货币视为未来的投资。她认为，作为“互联网的本国货币”，如果客户持有少量资金（例如其投资组合价值的1％左右），它可以很好地用作通胀对冲。
The founder and partner of Beckett Collective, a financial adviser based in Tucson, Theresa Morrison, also sees encrypted money as an investment in the future. She believes that, as a “national currency of the Internet”, if clients hold small amounts of money (e.g. around 1% of their portfolio value), it can be well used as an inflation hedge.
五、其他人担心它的波动性
Other people are worried about its volatility.
另一方面，唐纳德·特朗普（Donald Trump）和前高盛集团（Goldman Sachs Group Inc.）honcho的前经济主管加里·科恩（Gary Cohn）本周表示，比特币“缺乏真实市场的某些基本完整性”。
On the other hand, Donald Trump and the former Goldman Sachs Group Inc., former economic director Gary Cohen, stated this week that Bitcoin “ lacked some of the basic integrity of the real market”.
他说：“系统完整性的一部分是知道谁拥有它，知道谁拥有它，以及知道为什么要转让。” “今天的比特币系统对此没有透明度。因此，很多人都在问，为什么您需要一个没有审核记录的系统。”
He said, "A part of the integrity of the system is knowing who owns it, who owns it, and why it is transferred." "There is no transparency in the bitcoin system today. So many people ask why you need a system without a record."
在比特币blockchain记录每一笔交易 在公共台账。但是，它没有透露买卖数字资产的人员或组织的名称，而只是一串随机字符。
Recording every transaction in Bitcoin blockchain is on the public desk. But it doesn't reveal the names of the persons or organizations that buy and sell digital assets, but it's just a string of random characters.
Twin Cities Wealth Strategies Inc.的创始人兼首席执行官达纳·梅纳德（Dana Menard）对该货币的表现持乐观态度，但仍存在监管担忧。
The founder and Chief Executive Officer of Twin Cities Health Races Inc., Dana Menard, is optimistic about the currency’s performance, but regulatory concerns remain.
他在谈到美国证券交易委员会时说：“在没有美国证券交易委员会的加持的情况下，比特币的困难之处在于缺乏监督和荒野的投机行为，这导致价格在短时间内大幅波动。”
Referring to the United States Securities and Exchange Commission, he said: “In the absence of the United States Securities and Exchange Commission's holdings, the difficulty of Bitcoin lies in the lack of oversight and wild speculation, which leads to large price fluctuations in a short period of time.”
更重要的是，梅纳德（Menard）在在线咨询有关比特币的建议时敦促谨慎行事。他说：“这是不受监管的，因此任何人和所有人都可以提供建议。”他补充说，并不是每个人都会考虑到个人投资者的最大利益。
More importantly, Menard urged caution when consulting online on the Bitcoin proposal. He said: “This is unregulated, so anyone and everyone can offer advice.” He added that not everyone would take into account the best interests of individual investors.
“在我看来，这就像傻瓜的金子，”俄亥俄州新奥尔巴尼的Caligiuri Financial创始人兼首席执行官Mike Caligiuri说。仅收费计划者最担心币种的波动性。“这是一个相对较新的资产类别，具有相对未经证实的跟踪记录。”
“In my opinion, it's like stupid gold,” says Mike Caligiuri Financial, founder and CEO of New Albany, Ohio. Fee planners alone are most concerned about currency fluctuations. “This is a relatively new asset class with relatively unverified track records.”
因此，卡利基里（Caligiuri）反对比特币拥护者的普遍看法：因为它与股票或债券市场或商品的表现无关，因此可以作为投资组合中的有用对冲工具。
Thus, Caligiri objected to the widely held view of the supporters of Bitcoin that it had nothing to do with the performance of the stock or bond market or commodities and could therefore serve as a useful hedging tool in the portfolio.
六、比特币的价格的回归
VI. Return of Bitcoin prices
那些投资者都经历了加密货币价格发生的过山车的变化，哪怕在这种形势面前，还是有人能够保持冷静的投资态度。
Those investors have experienced a change in the price of encrypted currency over the mountain, and even in the face of this situation, some have been able to maintain a calm investment attitude.
七、购买比特币：基础的投资建议
VII. Purchase of bitcoins: basic investment proposals
1、您实际上在买什么？
1, what are you actually buying?
不是实物硬币。伦敦经济学院副教授卡斯滕·索伦森（Carsten Sorensen）说：“这实际上只是一个数字。”他教授加密货币课程。根据您要花费多少，您可以购买一个比特币，10个比特币或一小部分比特币。根据其创立协议，将仅铸造2100万枚。
Carsten Sorensen, an associate professor at the London School of Economics, says, "This is actually just a number." He teaches encryption money courses. Depending on how much it costs, you can buy a bitcoin, 10 bitcoins, or a small bit of bitcoin.
因为可以将比特币划分为八个小数位，所以可以购买一小部分。因此，如果您在交易价格约为19,000美元时购买了价值100美元的加密货币，您将获得大约0.0053比特币。
If you buy an encrypted currency worth $100 at a transaction price of approximately $19,000, you will get about 0.0003 bits.
2、我听说过“比特币钱包”。我需要一个吗？
2, I've heard of the Bitcoin Wallet. Do I need it?
是的，除非拥有钱包，否则您无法购买比特币，因为这是您将提供购买货币发送地址的地址。钱包听起来像是存储货币的地方，仅在比特币的情况下才是虚拟的。一些受欢迎的钱包包括Blockchain.com，Exodus，Electrum和Mycelium。您可以在手机或计算机上访问它们。
Yes, you cannot buy bitcoins unless you have a wallet, because this is the address at which you will provide the address at which the money will be sent. Wallet sounds like a place to store the money, which is only virtual in Bitcoin.
硬件钱包是存储您的比特币的地方，这些钱包完全从Internet上被切断，为黑客提供了额外的保护。好消息是，打开许多钱包是免费的。您只需支付最低费用即可将比特币移入或移出钱包。
Hardware wallets are where you store your bitcoins, which are completely cut off from the Internet, providing extra protection for hackers. The good news is that many wallets are opened free of charge.
如果您阅读过有关比特币的信息，您会知道它以匿名而闻名。钱包允许这样做。您需要一个钱包来转移比特币，但不需要将您的姓名或电话号码链接到许多钱包。
If you have read the information about Bitcoin, you will know that it is famous for being anonymous.
3、如何购买比特币？
3, how to buy bitcoin?
如上所述，您最可能的目的地是比特币交易所（是的，您可能已经见过亲自的比特币自动售货机，但是这些大多是新颖的）。
As noted above, your most likely destination is the Bitcoin Exchange (Yes, you may have seen your own Bitcoin vending machine, but most of these are novel).
您将创建一个并输入付款方式。在信誉良好的交易所，系统会要求您提供信息，例如您的银行详细信息或借记卡或信用卡。
You will be asked to provide information, such as details of your bank or debit or credit card.
帐户
Accounts
帐户
Accounts
然后，您需要使用驾照，身份证或护照证明您的身份。经过验证后，您可以开始使用您选择的付款方式购买比特币，将其转移到您的个人钱包中，并随着价格的波动产生更大的兴趣。
Then you need to use a driver’s license, identity card, or passport to prove your identity.
4、我可以用比特币购买东西吗？
Can I buy something in bitcoin?
当然，一些供应商已经开始接受它作为付款。从小商店到瑞士的滑雪胜地的小商店。但是，大多数人并没有真正使用比特币来购买东西，而是将其用作投资或价值存储，就像人们购买黄金而不是真正将其用于购买日常物品一样。
Of course, some suppliers have begun to accept it as a payment. Small shops from small shops to ski resorts in Switzerland. But most people do not actually use bitcoins to buy, but rather to use them as investments or as a deposit of value, just as people buy gold rather than actually use them for everyday goods.
一些怀疑论者怀疑这种加密货币是否会很快成为通用货币。但是今年以来，作为支付手段的比特币得到了提振，当时贝宝控股公司（PayPal Holdings Inc.）于10月宣布，它将允许客户使用其和其他虚拟货币在其网络上的2600万商家购物。
Some skeptics question whether this encrypted currency will soon become a universal currency. But since this year, bitcoin, as a means of payment, has been boosted when PayPal Holdings Inc. announced in October that it would allow customers to use its and other virtual currencies to shop for 26 million businesses on its network.
5、比特币基金呢？
What about the Bitcoin Fund?
比特币基金已经成为今年的新闻，但对于大多数普通投资者而言仍然相对遥不可及。8月，富达（Fidelity）宣布推出首只比特币共同基金。知情人士说，这种被动管理的，仅限比特币的工具将通过家族办公室，注册投资顾问和其他机构提供给合格的购买者。Fidelity Digital Assets将托管该基金，最低投资额为100,000美元。
The Bitcoin Fund has become news this year, but it is still relatively remote for most ordinary investors. In August, Fidelity announced the launch of the first Bitcoin Common Fund.
根据《双城财富》（Twin Cities Wealth）的梅纳德（Menard）的说法，这意味着这类资金可能不适合大多数人。比特币通常只占大多数投资组合的一小部分。他说：“如果入金的最低限度为100,000美元，而您想分配给投资组合的最高限度为5％，则最好挥舞一大笔大笔现金。”
According to Menard of Twin Cities Well, this means that this kind of money may not be suitable for most people. Bitcoin usually represents only a small fraction of the majority of the portfolio. He said, “If the minimum amount of money paid is $100,000, and if you want to allocate a maximum of 5 per cent to the portfolio, it would be better to shake a large amount of cash.”
今年，比特币衍生品也受到了审查。10月，美国检察官指控香港加密货币衍生品交易所BitMEX的创始人未能阻止不良行为者利用该平台洗钱。从1月开始，英国将禁止向散户投资者出售加密货币衍生品
In October, the U.S. Public Prosecutor accused the founder of the Hong Kong Encrypted Money Derivatives Exchange, BitMEX, of failing to prevent corrupt actors from using the platform to launder money. From January, the UK will ban the sale of encrypted money derivatives to bulk investors.
七、币圈的起落是非常正常的，要做到不以物喜不以己悲
VII. The currency circle rises and falls in a normal way, so as not to be content with your own grief.
币圈总是大起大落，这一点并不奇怪，投资者需要见过任何的大风大浪的心理， 这样才能够真正地赚到大钱。
It's not surprising that the currency circle is always going up and down, and investors need to see any big wind and waves so that they can actually make big money.
最近，根据莫斯科时间下午3:31的交易数据，交易时段，比特币价格下跌6.44％，至18,444美元。
Most recently, according to data on transactions in Moscow time at 3:31 p.m., Bitcoin prices fell by 6.44 per cent to $18,444.
早些时候，比特币价格创下了历史新高的19,915美元。
Earlier, Bitcoin prices had reached an all-time high of $19,915.
截至下午3:50，比特币汇率将亏损收窄至每单位18,776美元（-4.76％）。
As at 3.50 p.m., the Bitcoin exchange rate narrowed down to $18,776 (-4.76 per cent) per unit.
四、币圈的生存之道唯有超高程度的精算之道
The only way the currency circle survives is by a very high degree of actuariality.
在币圈，谁能够在博弈中获胜，谁就是最终的胜者，而博弈论所依靠的是人的心理上的较量，这种较量可以不需要直接用语言来阐明，可是，这些较量一定会发生，或许就在不远的未来。
In the currency circle, who wins in the game is the ultimate winner, and the game theory is based on the psychological struggle of the human person, which can be explained without the need for direct language, but these struggles must take place, perhaps in the near future.
在币圈生存下去， 光靠买空卖空这种低端的投资方式是不可能做到成功的，唯有跟随外资才是王道，而这就需要一条灵敏的渠道去了解这一个市场，符合这一个社会的需求大概就是一种合适的风向标了。
To survive in the currency circle, a low-end investment that sells empty space alone cannot succeed, but to follow foreign investment is the king’s way, and this requires a sensitive channel to understand the market, which is probably a suitable sign for the society’s needs.
如果有谁认为投资币圈就可以实现一劳永逸，那可真是大错特错了，投资币圈绝不是想看的时候看一看就行的，它需要常人想不到的付出凝聚而成，这的确是一种刻板的事实。
If anyone thinks that the investment circle can be achieved once and for all, that is a big mistake. The investment circle is never meant to be seen, but it needs to be condensed by something that is often unexpected. It is a very rigid fact.
八、币圈可以通过预测去做相关的工作
VIII. The currency circle can do related work through predictions
币圈可以使用预测的手段去进行未来的一些估测，而这些手段要求非常精密，万万不能够出半分差错，否则就非常容易打乱全局。
The currency circle can use predictive means to make some estimates of the future, which are very precise, so that no half-point error can be made, otherwise it is very easy to disrupt the whole picture.
币圈所需要的预测当然是所有资金的流向， 可是，光靠猜是不足够的，还有价格变化的公式和实际的数据也是要掌握的， 而这没有三年以上付出的时间是不可能知道怎么去做的。实现这一结局，其中所需要形成的局势所付出的努力是不可估量的。
The forecast needed for the currency circle is, of course, the flow of all the money, but guessing alone is not enough, and there are formulas and actual data on price changes, and it is impossible to know how to do it without more than three years. The effort to achieve this outcome is immeasurable.
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