Read Now 會走路的錢 (上) 繁體版 Money Walks (Part I): 普通家庭十年一千萬美元理財實錄 (Traditional Chinese Edition) Kindle
會走路的錢 (上) 繁體版, Money Walks (Part I) BAYFAMILY(貝版）曾是北美文學城投資理財論壇的版主，從2006年開始陸陸續續發表投資理財的博客文章，累計閱讀人數超過數百萬。貝版2006年因為提出“普通家庭十年一千萬美元理財計劃”而引發熱議，該計劃於2018年最終實現。本書用紀實的方式記錄了貝版實現該投資計劃的每一步細節，涵蓋他對市場趨勢的判斷，積累資本的方式，和每一筆投資交易的細節與心態歷程，當然也包括眾多失敗的經驗教訓。全文按照0-1萬，1萬-10萬，10萬-100萬，100萬-1000萬美元四個數量級的增長歷程，把他投資的經歷原汁原味地呈現給讀者。錢是會走路的，即使你把錢壓在箱子裏，抱在被窩裏，換成金銀股票放在保險櫃裏，都擋不住錢會像長腳一樣走來走去。投資理財，就是要專找那些別人看不見，正在走路的錢。貝版記錄了老中代代傳下來的五條理財真經：提高信用分數、避免超前消費、開二手車、親自維修、不打官司多運動。這本書現身說法證明你總是可以存三分之一的收入的，因為那些比你少掙三分之一的人的生活質量不比你差很多。這世上，沒有人可能比你自己對自己的錢更加上心，不要指望任何人能夠管好你的錢。2007-2018年投資理財貝版做了三件事：投資中國房地產，次貸危機灣區抄底，持有比特幣。貝版投資的核心理念就是“會走路的錢”。在充分效率的市場，用懶人投資法；在非充分效率的市場，用勤快人投資法。投資要跟著屌絲年輕人走，你只需要比New money搶先一步，永遠不要和Old money拼體力。The author, Bayfamily, was the forum moderator of Investment BBS on Wenxuecity.com, a popular Chinese American social website. Since 2005, he has published a series of blogs on investment and personal finance, and he has attracted millions of page viewers. In 2006, he posted a blog on this investment forum about his goal to make ten million dollars in ten years by investing. He named his plan “Ten Million in Ten Years Investment Plan for an Average Income Family.” Since then, he has published his investment activities and financial records every year for 11 years, and eventually he achieved his goal and made ten million in 2018; a total of eleven and a half years, which is a bit longer than the planned 10 years. This book is a memoir and a record of his efforts to fulfill his ten-million-dollar goal. The book includes details of all of his investment activities, how he prepared himself, how he accumulated capital, how he found investment opportunities, and most importantly, the failures and hard lessons learned throughout the process.Bayfamily came to the US in 1997 with only 200 dollars in his pocket as a PhD student in engineering. With his student stipend and interning income, he saved up ten thousand dollars in two years. Afterwards, he moved to the San Francisco Bay Area where he and his family only earned the average income. However, they made their first one hundred thousand in two years, and one million dollars in six years, all though saving and investments. This book is organized in four sections to describe this investment history: from zero to ten thousand dollars, ten thousand to a hundred thousand dollars, a hundred thousand to a million dollars, and finally, from a million to ten million dollars. The wealth accumulated in each section is one level of magnate higher than before.After the 2008 financial crisis, Bayfamily graduated from a top MBA in the US and worked in a famous investment bank. During the last ten years, most of his wealth has accumulated through three investment activities: investment in the real estate market in China, bought Bay Area real estate at the market downturn in 2010, and holding Bitcoin since 2016.Under his “Money Walks” theory, a good investor should understand their own personality first before investing, whether they are a “lazy man” or a “diligent man”. In an efficient competitive market, investors should use the “lazy man” investment strategy; in an inefficient competitive market, they should use the “diligent man” investment strategy. In terms of saving, Bayfamily believes diligent work and a simple life are virtues. An extravagant and exorbitant lifestyle is wasteful. People can always save one third of their money, no matter what income level. This is simply because those who earn one third less than you are still living with a similar quality of life.On his first day in the US, he was taught five simple rules on personal finance, which was passed down by generations of new Chinese Americans immigrates. The rules of saving money are: keep a good credit score, avoid loans and excessive consumption, avoid legal disputes, fix and repair stuff yourself, and stay fit and healthy. This book “Money Walks” uses the author’s own life experiences as an example to describe all these rules and principles.
