Markdown Article Formatter
JimLiu/baoyu-skills
Reformats plain text or Markdown articles with frontmatter, a title, a summary, headings, bold, lists and code blocks, and saves a separate formatted copy.
Explain a finance-explosive-article markdown file for readers with weak financial knowledge by unpacking concepts, causal chains, examples, analogies, and transferable analysis methods.
Install Finance Beginner Explainer
$ npx skills add digoal/blog --skill finance-beginner-explainer -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install digoal/blog finance-beginner-explainer --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/finance-beginner-explainer .claude/skills/finance-beginner-explainer && rm -rf skills-srcUse ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.
Claude Code skills documentation · loads skills from .claude/skills/
Install the "finance-beginner-explainer" agent skill from https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainer into .claude/skills/finance-beginner-explainer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance-beginner-explainer", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainerType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add digoal/blog --skill finance-beginner-explainer -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install digoal/blog finance-beginner-explainer --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/finance-beginner-explainer .agents/skills/finance-beginner-explainer && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "finance-beginner-explainer" agent skill from https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainer into .agents/skills/finance-beginner-explainer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance-beginner-explainer", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add digoal/blog --skill finance-beginner-explainer -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install digoal/blog finance-beginner-explainer --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/finance-beginner-explainer .cursor/skills/finance-beginner-explainer && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "finance-beginner-explainer" agent skill from https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainer into .cursor/skills/finance-beginner-explainer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance-beginner-explainer", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/digoal/blog.git --path skills/finance-beginner-explainer--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add digoal/blog --skill finance-beginner-explainer -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install digoal/blog finance-beginner-explainer --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/finance-beginner-explainer .gemini/skills/finance-beginner-explainer && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "finance-beginner-explainer" agent skill from https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainer into .gemini/skills/finance-beginner-explainer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance-beginner-explainer", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install digoal/blog finance-beginner-explainerInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add digoal/blog --skill finance-beginner-explainer -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/finance-beginner-explainer .github/skills/finance-beginner-explainer && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "finance-beginner-explainer" agent skill from https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainer into .github/skills/finance-beginner-explainer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance-beginner-explainer", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add digoal/blog --skill finance-beginner-explainer -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install digoal/blog finance-beginner-explainer --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/digoal/blog.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/finance-beginner-explainer .opencode/skills/finance-beginner-explainer && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "finance-beginner-explainer" agent skill from https://github.com/digoal/blog/tree/master/skills/finance-beginner-explainer into .opencode/skills/finance-beginner-explainer/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "finance-beginner-explainer", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
finance-beginner-explainer- GitHub stars
- 8.6k
- Token cost
- ~1.4k tokens
- SKILL.md length
- 672 words
- Files
- 4
- Skills in repo
- 98
- Repo updated
- First seen
- Licence
- GPL-2.0
At a glance
Explain a finance-explosive-article markdown file for readers with weak financial knowledge by unpacking concepts, causal chains, examples, analogies, and transferable analysis methods.
- Works in 5 steps: Extract the Original Argument → Translate Concepts for Beginners → Expand the Logic Chain → …
- The user asks to turn a daily finance explosive article
- SKILL.md covers Overview, Input, Workflow and Output, plus 2 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Finance Beginner Explainer is an agent skill from digoal/blog. Explain a finance-explosive-article markdown file for readers with weak financial knowledge by unpacking concepts, causal chains, examples, analogies, and transferable analysis methods. Use when the user asks to turn a daily finance explosive article, 德哥财经爆款文章, market commentary, or finance markdown into a beginner-friendly detailed interpretation saved under the current project's markdown directory.
Its SKILL.md is about 1.4k tokens, which your agent loads only when the skill is triggered. The skill folder holds 4 other files (for example `agents/openai.yaml` and `test-prompts.json`).
It sits in Documents & Office, covering Markdown. The repository describes itself as: AI,Opensource,Database,Business,Finance,Minds. git clone --depth 1 https://github.com/digoal/blog. The licence is GPL-2.0.
When your agent uses it
- The user asks to turn a daily finance explosive article
- Market commentary
- Finance markdown into a beginner-friendly detailed interpretation saved under the current projects markdown directory
Example prompts
- “/finance-beginner-explainer”
Workflow steps
5 steps, taken from the step headings in SKILL.md.
What it can do on your machine
Read from SKILL.md and the folder at commit 69fb793. It shows what the files ask for, not the result of running them.
Tool permissions
Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.
From allowed-tools in the SKILL.md frontmatter.
Runs code
No scripts in the folder and no shell commands in SKILL.md.
From the folder's file list and the shell code blocks in SKILL.md.
Network
No URLs in SKILL.md.
From URLs in SKILL.md, links to its own repository left out.
Credentials
Names no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Finance Beginner Explainer loads about 1.4k tokens when it runs. Until then it costs about 108 tokens; SKILL.md has 672 words of instructions outside code blocks.
Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.
Safety
Auto-check passed
The automated check found no risky patterns in SKILL.md.
Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.
SKILL.md
The full file from digoal/blog at commit 69fb793, republished under its GPL-2.0 licence (© digoal). 672 words, ~1,380 tokens.
Download SKILL.mdSave it as
.claude/skills/finance-beginner-explainer/SKILL.md (or your agent's skills folder). This skill also uses 3 other files; get the full folder from GitHub.- name
- finance-beginner-explainer
- description
- Explain a finance-explosive-article markdown file for readers with weak financial knowledge by unpacking concepts, causal chains, examples, analogies, and transferable analysis methods. Use when the user asks to turn a daily finance explosive article, 德哥财经爆款文章, market commentary, or finance markdown into a beginner-friendly detailed interpretation saved under the current project's markdown directory.
Finance Beginner Explainer
Overview
Create a beginner-friendly companion article from finance-explosive-article-YYYY-MM-DD.md. The output should help readers understand not only what the original article says, but how to reason through similar financial events independently.
This skill is stage 4 of the daily finance content pipeline:
daily-finance -> finance-core-analysis -> finance-explosive-article -> finance-beginner-explainer
Input
Prefer reading the latest matching file in the current project:
markdown/finance-explosive-article-YYYY-MM-DD.md
If the user provides a specific date or file path, use that file. If multiple dates exist and no date is implied, use the newest file by filename/date and state that assumption in the output metadata. If no upstream file exists, ask for the article file or pasted content.
Also read the corresponding upstream files when available:
markdown/daily-finance-YYYY-MM-DD.mdfor verified facts and sources.markdown/finance-core-analysis-YYYY-MM-DD.mdfor mechanism and scenario analysis.
Do not invent facts. If a claim is unclear, explain it as an interpretation and mark the uncertainty.
This skill explains an existing article; it should not turn into a new market report. Do not introduce new current market claims unless they are already in upstream files or are needed to clarify a source-backed fact.
Target reader:
- Understands daily life examples and basic investment words.
- May not understand macro transmission, valuation, liquidity, or risk premium.
- Needs reusable reasoning steps, not simplified slogans.
Workflow
1. Extract the Original Argument
Identify:
- The article's core judgment.
- The main "不是A，而是B" reversal.
- The causal chain, usually
触发事件 -> 传导机制 -> 资金行为 -> 资产定价 -> 风险约束 -> 后续观察点. - The key numbers and source-backed facts.
- The falsification signals.
Create a short extraction note internally:
| Item | Extracted content |
|---|---|
| 原文核心判断 | One sentence |
| 反转结构 | A vs B |
| 主链条 | 5-7 arrows |
| 必须保留的数字 | Number + source |
| 不能确定的地方 | Mark as interpretation/uncertain |
2. Translate Concepts for Beginners
For every important financial term, explain it in plain Chinese before using it heavily. Prioritize terms that block understanding, such as:
- Risk appetite
- Liquidity
- Inflation expectation
- Interest-rate transmission
- Discount rate and valuation
- Capital flows
- Balance-sheet pressure
- Risk premium
- Long-duration assets
- Currency constraint
Use simple analogies, but do not let analogies replace the actual mechanism.
Use this concept-card format where helpful:
这个词是什么意思它为什么会影响价格这篇文章里它对应哪个事实新手最容易误解什么
3. Expand the Logic Chain
Explain each link with four parts:
- What it means.
- Why it happens.
- How it affects the next link.
- What observable data can confirm or falsify it.
Example pattern:
油价上涨 -> 通胀预期上升 -> 降息预期下降 -> 利率维持高位 -> 成长股估值承压
For each arrow, explain the economic incentive and market behavior behind it.
If an arrow cannot be explained without adding unsupported facts, keep the original uncertainty visible instead of filling the gap with speculation.
Show full SKILL.md (260 more words)Show less
4. Add Examples and Transfer
Include at least:
- One everyday analogy.
- One market example from the article.
- One "举一反三" example showing how the same model applies to another scenario.
- One common beginner mistake and how to avoid it.
The "举一反三" section must teach a reusable method, not just repeat the original case.
The transfer method should end with a reusable checklist:
新闻事实 -> 约束变化 -> 谁的行为改变 -> 哪类资产重定价 -> 什么信号证伪
5. Write the Beginner Article
Use this required structure:
- Title
- 阅读说明（原文日期、来源文件、是否使用上游事实）
- 这篇文章到底在讲什么
- 小白先懂这几个概念
- 原文逻辑链条逐层拆解
- 用一个生活例子重新讲一遍
- 用一个市场例子验证这条链
- 举一反三：下次遇到类似新闻怎么分析
- 最容易误解的地方
- 小白分析清单
- 总结
- 来源与风险提示
Keep paragraphs short. Use precise but accessible language. Do not talk down to readers.
Output
Save to:
markdown/finance-beginner-explainer-YYYY-MM-DD.md
Use the same report date as the source finance-explosive-article file. Create markdown/ if missing. Use UTF-8.
If writing fails, output the full Markdown in chat.
Quality Rules
- Preserve source-backed facts from the upstream article.
- Clearly separate fact, interpretation, and teaching analogy.
- Explain causal mechanisms; do not use empty phrases like "情绪推动" without unpacking incentives.
- Avoid explicit buy/sell recommendations.
- Do not add dramatic claims for readability.
- When using analogies, return to the real financial mechanism immediately after the analogy.
- If the original article is too thin on sources, tell the reader which parts are assumptions.
- End with
本文仅供学习交流，不构成投资建议。
Quick Validation
Before finishing, check:
- The output explains the original core judgment.
- Every major causal arrow is unpacked in beginner language.
- The article includes examples, analogy, transfer method, mistakes, and checklist.
- The output file name date matches the upstream article date.
- The final disclaimer is present.
© digoal, GPL-2.0. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file
Files
SKILL.md and 3 other files in skills/finance-beginner-explainer of digoal/blog.
- SKILL.md
- SKILL.md.bak.20260525-091704
- agents/openai.yaml
- test-prompts.json
Open the folder on GitHubat commit 69fb793
Compare with similar skills
Finance Beginner Explainer next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Finance Beginner Explainer this skilldigoal/blog | 8.6k | — | ~1.4k | Automated safety check: Pass | GPL-2.0 | |
| Markdown Article FormatterJimLiu/baoyu-skills | 26k | 7 repos | ~3.5k | Automated safety check: Pass | MIT | |
| MarkitdownImCa0/just-laws | 781 | 14 repos | ~3.2k | Automated safety check: Notes | MIT | |
| Obsidian MarkdownAtmosphere/atmosphere | 3.8k | 20 repos | ~1.3k | Automated safety check: Pass | Apache-2.0 | |
| Gzh Designisjiamu/gzh-design-skill | 3.9k | 1 repos | ~2.2k | Automated safety check: Pass | AGPL-3.0 | |
| Crosspostingwasp-lang/wasp | 19k | — | ~1.1k | Automated safety check: Pass | MIT |
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Questions about Finance Beginner Explainer
What does Finance Beginner Explainer do?
Explain a finance-explosive-article markdown file for readers with weak financial knowledge by unpacking concepts, causal chains, examples, analogies, and transferable analysis methods. Finance Beginner Explainer is an agent skill from digoal/blog. Explain a finance-explosive-article markdown file for readers with weak financial knowledge by unpacking concepts, causal chains, examples, analogies, and transferable analysis methods.
When should I use Finance Beginner Explainer?
Finance Beginner Explainer fits situations like: the user asks to turn a daily finance explosive article; market commentary; finance markdown into a beginner-friendly detailed interpretation saved under the current projects markdown directory.
How do I install Finance Beginner Explainer in Claude Code?
Run `npx skills add digoal/blog --skill finance-beginner-explainer -a claude-code`. Or copy the skill folder (skills/finance-beginner-explainer in digoal/blog) into .claude/skills/finance-beginner-explainer in your project. Claude Code loads it when a task matches its description.
How do I install Finance Beginner Explainer in Codex?
Run `npx skills add digoal/blog --skill finance-beginner-explainer -a codex`. Or copy the skill folder (skills/finance-beginner-explainer in digoal/blog) into .agents/skills/finance-beginner-explainer in your project. Codex loads it when a task matches its description.
Can I use Finance Beginner Explainer in Cursor, Gemini CLI or GitHub Copilot?
Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add digoal/blog --skill finance-beginner-explainer -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/finance-beginner-explainer, .gemini/skills/finance-beginner-explainer, .github/skills/finance-beginner-explainer and .opencode/skills/finance-beginner-explainer in your project.
What does Finance Beginner Explainer need to run?
SKILL.md names no scripts, command-line tools or credentials: Finance Beginner Explainer is instructions for the agent only.
Does Finance Beginner Explainer access the network?
SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.
Is Finance Beginner Explainer safe to install?
Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.
What licence does Finance Beginner Explainer use?
Finance Beginner Explainer is published under the GPL-2.0 licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.
How many tokens does Finance Beginner Explainer use?
About 1.4k tokens (SKILL.md is roughly 5.5k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.
What are the alternatives to Finance Beginner Explainer?
Skills that share tags, products or a category with Finance Beginner Explainer: Markdown Article Formatter (JimLiu/baoyu-skills, 26k stars), Markitdown (ImCa0/just-laws, 781 stars), Obsidian Markdown (Atmosphere/atmosphere, 3.8k stars) and Gzh Design (isjiamu/gzh-design-skill, 3.9k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Finance Beginner Explainer?
digoal (a GitHub user) maintains it in digoal/blog, which has 8,587 GitHub stars. The repository holds 98 skills in this directory. The repository was last updated on September 28, 2026.
Source: digoal/blog on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.