{"id":5067,"date":"2023-10-27T12:48:50","date_gmt":"2023-10-27T04:48:50","guid":{"rendered":"https:\/\/www.xn--9wzn71a.xn--kpry57d\/?p=5067"},"modified":"2025-01-07T14:49:16","modified_gmt":"2025-01-07T06:49:16","slug":"%e2%80%bb%e6%87%82%e7%94%a8%e9%8c%a2-%e6%84%88%e6%b4%bb%e6%84%88%e5%af%8c%e6%9c%89-%e5%85%a8%e7%90%839000%e8%90%ac%e4%ba%ba%e8%a6%8b%e8%ad%89%e6%9c%89%e6%95%88-%e7%90%86%e8%b2%a1%e6%ad%a6%e5%a3%ab","status":"publish","type":"post","link":"https:\/\/www.xn--9wzn71a.xn--kpry57d\/?p=5067","title":{"rendered":"\u2606\u61c2\u7528\u9322, \u6108\u6d3b\u6108\u5bcc\u6709 ~\u5168\u74039,000\u842c\u4eba\u898b\u8b49\u6709\u6548, \u7406\u8ca1\u6b66\u58eb\u6559\u4f60\u505a\u51fa\u81f4\u5bcc\u6c7a\u7b56, FIRE\u4e0d\u4e0a\u73ed\u8d85\u904e\u5341\u5e74, \u88ab\u52d5\u6536\u5165\u5e74\u981830\u842c\u7f8e\u5143 Buy This, Not That: How to Spend Your Way to Wealth and Freedom"},"content":{"rendered":"\n

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14. \u7cbe\u660e\u623f\u5730\u7522\u6295\u8cc7\u8005\uff0c\u61c9\u9075\u5faa”\u8cb7\u5be6\u7528\u3001\u79df\u8c6a\u83ef”buy utility, rent luxury BURL\u539f\u5247\u3002\u5be6\u7528\u7684\u5b9a\u7fa9\u662f\uff0c\u9700\u8981\u7684\u6771\u897f\uff0c\u672a\u4f7f\u7528\u7684\u7a7a\u9593\u5f88\u5c11\uff0c\u5962\u83ef\u7684\u5b9a\u7fa9\u662f\uff0c\u8d85\u904e\u6240\u9700\u8981\u7684\u6771\u897f\uff0c\u5982\u7121\u908a\u969b\u6e38\u6cf3\u6c60\u3002\u6b64\u539f\u5247\u53ef\u770b\u5230\u4f4f\u5728\u81ea\u7528\u4f4f\u5b85\u7684\u771f\u5be6\u6210\u672c\uff0c\u9664\u4e86\u8cb7\u623f\u7684\u9322\uff0c\u9084\u8981\u52a0\u4e0a\u6c92\u6709\u6309\u5e02\u50f9\u79df\u51fa\u53bb\u7684\u6a5f\u6703\u6210\u672c\u3002(\u5c31\u662f\u628a\u591a\u9918\u7684\u7a7a\u9593\u79df\u51fa\u53bb\uff0c\u8de8\u5927\u908a\u969b\u6548\u76ca)

15. \u6295\u8cc7\u623f\uff0c\u8cb7\u50f9\u4e0d\u8d85\u904e\u6708\u79df\u91d1\u7684100\u500d(\u9019\u5728\u53f0\u7063\u5f88\u96e3\u627e\u523012%\u5831\u916c\u7387\uff0c\u5927\u6982\u7b49\u623f\u5e02\u5d29\u76e4\u5427)\u3002\u4f5c\u8005\u50be\u5411\u63a1\u7528\u6a5f\u52d5\u5229\u7387\u548c30\u5e74\u6524\u9084\u3002\u7576\u5e74\u7d00\u8d8a\u5927\uff0c\u5c31\u8981\u9078\u64c715\u5e74\u9084\u6b3e\uff0c\u56e0\u70ba\u53ef\u4ee5\u65e9\u65e5\u6e05\u511f

16. \u751f\u6d3b\u6210\u672c\u9ad8\u7684\u90fd\u5e02\uff0c\u6a5f\u6703\u66f4\u591a\uff0c\u5bb9\u6613\u7372\u5f97\u66f4\u9ad8\u6536\u5165\u3002\u8cb7\u4e0b\u4e00\u9593\u597d\u623f\u5b50\uff0c\u4f4f\u5e7e\u5e74\u518d\u51fa\u79df\uff0c\u662f\u7d2f\u7a4d\u8ca1\u5bcc\u6700\u68d2\u7684\u65b9\u5f0f\uff0c\u53ea\u8981\u91cd\u89073~5\u6b21\uff0c\u5c31\u80fd\u5275\u9020\u88ab\u52d5\u6536\u5165\uff0c\u53ef\u514d\u4ef2\u4ecb\u8cbb\u548c\u653f\u5e9c\u7a05\u6350\uff0c\u5f88\u53ef\u80fd\u6de8\u8cc7\u7522\u548c\u623f\u5c4b\u6de8\u503c\u90fd\u96d9\u96d9\u4e0a\u5347\u3002

17. \u64c1\u6709\u4e00\u9593\u6b63\u5728\u4ed8\u8cb8\u6b3e\u7684\u623f\u5b50\uff0c\u62dc\u901a\u8ca8\u81a8\u8139\u548c\u76f8\u5c0d\u56fa\u5b9a\u7684\u652f\u51fa\uff0c\u6de8\u8cc7\u7522\u5c07\u8b8a\u591a\uff0c\u65e5\u5f8c\u6703\u89ba\u5f97\u9019\u9593\u623f\u5b50\u7684\u6210\u672c\u6c92\u4ec0\u9ebc\u3002\u4e00\u9593\u623f\u5b50\u525b\u597d\u4f4f\u6eff\uff0c\u4e0d\u8981\u6709\u7a7a\u623f\uff0c\u662f\u6700\u5212\u7b97\u7684\uff0c\u9664\u975e\u5168\u5bb6\u4eba\u8981\u6c38\u9060\u4f4f\u5728\u4e00\u8d77\uff0c\u4e0d\u7136\u4e0d\u592a\u53ef\u80fd\u60f3\u5347\u7d1a\u5230\u66f4\u5927\u7684\u623f\u5b50\uff0c\u5927\u623f\u5b50\u7576\u5bb6\u88e1\u4eba\u53e3\u8b8a\u5c11\u6642\uff0c\u53ea\u6703\u8b93\u81ea\u5df1\u5b64\u55ae\u548c\u6d6a\u8cbb\u9322\u3002

18. \u6b64\u66f8\u4e3b\u5f35\u8cb7\u4e0b\u7684\u81ea\u4f4f\u623f\u5b50\u81f3\u5c11\u8981\u4f4f\u4e0a5\u5e74\uff0c\u8981\u8cb7\u5728\u660e\u65e5\u4e4b\u661f(\u4ee510\u5e74\u773c\u5149\u53bb\u770b)\u800c\u975e\u86cb\u9ec3\u5340\uff0c\u56e0\u70ba\u8c6a\u5b85\u6d6a\u8cbb\u9322\uff0c\u4e0d\u5229\u8ca1\u52d9\u81ea\u7531\u7684\u5be6\u73fe\u3002\u7cbe\u7b97\u64f4\u5927\u6536\u5165\u548c\u652f\u51fa\u7684\u5dee\u8ddd\uff0c\u662f\u5be6\u73fe\u8ca1\u52d9\u81ea\u7531\u7684\u57fa\u672c\u529f\uff0c\u800c\u4f4f\u623f\u5f80\u5f80\u662f\u6700\u5927\u7b46\u7684\u652f\u51fa\u4e4b\u4e00\u3002

19. \u6bcf\u500b\u57ce\u5e02\u7684\u623f\u50f9\u90fd\u6709\u500b\u9700\u6c42\u6700\u5f37\u8fd1\u7684\u751c\u871c\u9ede\uff0c\u7a31\u4e4b\u6436\u624b\u50f9Frenzy zone\uff0c\u56e0\u70ba\u9019\u500b\u50f9\u683c\u7bc4\u570d\u662f\u6700\u591a\u4eba\u8cb7\u5f97\u8d77\u7684\uff0c\u60f3\u7528\u9019\u500b\u50f9\u683c\u8cb7\u5230\u623f\u5b50\u4e0d\u5bb9\u6613\uff0c\u5e78\u904b\u6436\u5230\u4e86\uff0c\u623f\u5b50\u5f88\u5bb9\u6613\u96a8\u8457\u57ce\u5e02\u7684\u6574\u9ad4\u7e41\u69ae\u800c\u5347\u503c\uff0c\u5373\u4f7f\u7d93\u6fdf\u4e0b\u6ed1\u4e5f\u4e0d\u6703\u8dcc\u5f88\u591a\uff0c\u6436\u624b\u50f9\u5927\u6982\u662f\u623f\u50f9\u4e2d\u4f4d\u6578\u52a0\u6e1b2\u6210\uff0c\u4e5f\u53ef\u9078\u64c7\u623f\u50f9\u4e2d\u4f4d\u6578\u9ad821~30%\u7684\u623f\u5b50\uff0c\u6bd4\u8f03\u597d\u5165\u624b\u3002(\u5f88\u9a5a\u8a1d\u6b64\u66f8\u7279\u5730\u63d0\u9019\u500b\uff0c\u6211\u5e38\u548c\u670b\u53cb\u4e3b\u5f35~\u8981\u8cb7\u7b26\u5408\u7576\u5730\u53d7\u85aa\u968e\u7d1a\u80fd\u627f\u53d7\u7684\u623f\u5b50\uff0c\u4ee5\u6b64\u5f88\u65e9\u8a8d\u70ba\u53f0\u5317\u5e02\u623f\u50f9\u96e3\u6f32\uff0c\u56e0\u70ba\u9818\u85aa\u6c34\u7684\u4eba\u90fd\u8cb7\u4e0d\u8d77\uff0c\u4e7e\u8106\u5750\u9ad8\u9435\u5916\u79fb)

20. \u9078\u64c7\u591a\u6236\u623f\u51fa\u79df\uff0c\u6703\u6bd4\u55ae\u6236\u5b85(\u900f\u5929?)\u548c\u516c\u5bd3\u8907\u96dc\uff0c\u800c\u4e14\u81ea\u5df1\u7dad\u8b77\u5c31\u8981\u5e38\u548c\u623f\u5ba2\u6253\u4ea4\u9053\uff0c\u5728\u820a\u91d1\u5c71\u548c\u8a31\u591a\u57ce\u5e02\uff0c\u591a\u6236\u5b85\u6703\u53d7\u5230\u79df\u91d1\u7ba1\u5236\uff0c\u4f46\u55ae\u6236\u5b85\u548c\u81ea\u6709\u516c\u5bd3\u53ef\u80fd\u6c92\u6709\u9650\u5236\u3002

21. \u8981\u628a\u623f\u5730\u7522\u8ca8\u5e63\u5316\uff0c\u5c31\u662f\u8981\u6709\u7b2c\u4e8c\u9593\u6216\u628a\u7a7a\u623f\u9593\u51fa\u79df\uff0c\u4e0d\u7136\u5c31\u662f\u628a\u7b2c\u4e00\u9593\u5957\u73fe\u518d\u878d\u8cc7\u3002\u4f5c\u8005\u6700\u611b\u623f\u5730\u7522\uff0c\u6b64\u6709\u5f62(\u5be6\u9ad4)\u8cc7\u7522\u9032\u53ef\u653b\u9000\u53ef\u5b88\uff0c\u5728\u7d93\u6fdf\u4e0b\u6ed1\u5f80\u5f80\u8868\u73fe\u52dd\u904e\u5176\u4ed6\u8cc7\u7522\u3002\u4f5c\u8005\u820a\u91d1\u5c71\u52d9\u696d\u57282008-2009\u8dcc15%\uff0c\u5728\u79df\u91d1\u7a69\u5b9a\u4e0b\u5ea6\u904e\u7d93\u6fdf\u8870\u9000\uff0c\u6b64\u6642\u52d9\u696d\u6301\u7e8c\u6536\u79df\uff0c\u50f9\u683c\u9084\u5927\u5e45\u56de\u5347\u3002

22. \u6301\u6709\u623f\u5730\u7522\u5728\u666f\u6c23\u5927\u597d\u6642\uff0c\u79df\u91d1\u548c\u623f\u50f9\u6703\u5927\u5e45\u4e0a\u5347\uff0c\u4e0d\u7528\u6015\u901a\u8ca8\u81a8\u8139\uff0c\u62dc\u69d3\u687f\u6295\u8cc7\u4e4b\u8cdc\uff0c\u623f\u5730\u7522\u6295\u8cc7\u8005\u7684\u73fe\u91d1\u6295\u5831\u7387(cash-on-cash returns\u5728\u623f\u7522\u4e0a\u7372\u5f97\u7684\u5e74\u5ea6\u56de\u5831\uff0c\u8207\u540c\u5e74\u652f\u4ed8\u7684\u623f\u8cb8\u91d1\u984d\u95dc\u4fc2)\u76f8\u7576\u5f37\u5065\u3002\u6295\u8cc7\u7269\u696d\u662f\u4e0d\u9700\u7279\u8a31\u7684\u884c\u696d\uff0c\u53ef\u8b93\u81ea\u5df1\u7684\u5c0f\u5b69\u6253\u7406\u5bb6\u65cf\u4e8b\u696d\u3002\u5132\u5b58\u982d\u671f\u6b3e\u7684\u9322\uff0c\u53ef\u4ee5\u653e\u9032\u53bbReits\u3002

23. \u80a1\u7968\u662f100%\u88ab\u52d5\u6295\u8cc7\uff0c\u56e0\u70ba\u662f\u7531\u4f01\u696d\u7ba1\u7406\u968e\u5c64\u6c7a\u7b56\u7121\u6cd5\u63a7\u5236\uff0c\u6240\u4ee5\u4e0d\u9700\u8981\u53bb\u7dad\u8b77\uff0c\u76f8\u5c0d\u5730\u623f\u5730\u7522\u7684\u4e3b\u4eba\u662f\u81ea\u5df1\uff0c\u53ea\u8981\u4ee5\u9069\u7576\u7684\u50f9\u683c\u8cfc\u5f97\uff0c\u5e7e\u4e4e\u662f\u4e00\u6a01\u7a69\u8cfa\u4e0d\u8ce0\u7684\u751f\u610f\u3002\u7576\u623f\u5e02\u4fe1\u5fc3\u63d0\u5347\uff0c\u6295\u8cc7\u4eba\u6703\u9858\u610f\u5229\u7528\u69d3\u687f\u64cd\u4f5c\u4f86\u8cfc\u8cb7\u50f9\u503c\u66f4\u9ad8\u7684\u8cc7\u7522\uff0c\u96a8\u6642\u9593\u63a8\u79fb\uff0c\u6295\u8cc7\u623f\u5730\u7522\u7684\u7d55\u5c0d\u56de\u5831(absolute return\u8cc7\u7522\u5b9a\u671f\u9593\u5167\u5be6\u73fe\u7684\u56de\u5831)\u6703\u6bd4\u80a1\u7968\u548c\u5176\u4ed6\u8cc7\u7522\u5927\u8a31\u591a\u3002

24. \u623f\u5730\u7522\u6bd4\u80a1\u7968\u66f4\u80fd\u8b93\u666e\u901a\u4eba\u81f4\u5bcc\uff0c\u623f\u5730\u7522\u4e0d\u9700\u8981\u5929\u624d\uff0c\u4f5c\u8005\u67093\u500b\u55ae\u4f4d\u51fa\u79df\u623f\u7522\uff0c\u4f4f\u623f\u539f\u5247~\u623f\u79df\u4e0d\u8d85\u904e\u5bb6\u5ead\u6536\u5165\u768420%\u3002\u5728\u4eba\u751f\u5730\u4e0d\u719f\u7684\u5730\u65b9\uff0c\u60f3\u8981\u9032\u5165\u4e00\u6d41\u5927\u516c\u53f8\u5f88\u96e3\uff0c\u4f46\u662f\u6709\u8a8d\u8b58\u7684\u4eba\u63a8\u85a6(\u623f\u5ba2)\uff0c\u6240\u8b02\u201d\u50b3\u627f\u9304\u53d6\u201d\u5c31\u5f88\u5bb9\u6613\u3002

25. \u8cfc\u8cb7\u5ea6\u5047\u5c4b\u4e4b\u524d\u8981\u78ba\u5b9a\u5be6\u969b\u4f7f\u7528\u7684\u983b\u7387\uff0c\u56e0\u662f\u7d14\u7cb9\u8ffd\u6c42\u751f\u6d3b\u54c1\u5473\u7684\u5962\u4f88\u958b\u92b7\uff0c\u800c\u975e\u8ffd\u6c42\u6295\u8cc7\u6210\u9577\uff0c\u5176\u539f\u5247\u662f\u6eff\u8db3\u751f\u6d3b\u65b9\u5f0f\u70ba\u512a\u5148\uff0c\u5176\u6b21\u624d\u662f\u6536\u5165\uff0c\u5ea6\u5047\u5c4b\u7684\u7e3d\u50f9\uff0c\u4e0d\u5b9c\u8d85\u904e\u6de8\u8cc7\u7522\u76841\u6210\uff0c\u8cfc\u8cb7\u6307\u5357\uff1a\u6de8\u8cc7\u752250\u842c\u7f8e\u91d1-\u5ea6\u5047\u5c4b\u8cb75\u842c~\u5343\u842c\u4e0d\u8981\u78b0\u5206\u6642\u5ea6\u5047\u5c4b(time-shares)\u3001100-10~\u53ef\u4ee5\u64c1\u6709\u4e00\u9593\u6797\u9593\u5c0f\u5c4b\u3001200-20~\u6709\u6c34\u6709\u96fb\u8c6a\u83ef\u5c0f\u5c4b\u3001400-40~\u7b49\u65bc\u7f8e\u570b\u623f\u50f9\u4e2d\u4f4d\u6578\u3001500-50~\u9078\u64c7\u7bc4\u570d\u6975\u591a\u30011000-100~\u53ef\u4ee5\u5728\u5ea6\u5047\u5c4b\u4e2d\u4eab\u53d7\u4eba\u751f\u3002\u4ee5\u4e0a\u662f\u63d0\u9192\uff0c\u5728\u6de8\u8cc7\u7522\u9054\u5230100\u842c\u7f8e\u91d1\u4e4b\u524d\uff0c\u4e0d\u8981\u78b0\u5ea6\u5047\u5c4b\uff0c\u5728500\u842c\u7f8e\u5143(NT.15000\u842c)\u4e4b\u524d\uff0c\u6c92\u6709\u4ec0\u9ebc\u597d\u8ca8\u8272\u3002\u5728\u666f\u6c23\u4f4e\u8ff7\u7684\u6642\u5019\uff0c\u5ea6\u5047\u5c4b\u662f\u6700\u5bb9\u6613\u53d7\u5230\u885d\u64ca\uff0c\u7d93\u6fdf\u4e0d\u597d\u60f3\u8981\u79df\u5ea6\u5047\u5c4b\u7684\u4eba\u4e5f\u6703\u6e1b\u5c11\u3002

26. \u64b0\u5beb\u6587\u63a8\u85a6uber\u6216lyft\u958b\u8eca\u7684\u6587\u7ae0\uff0c\u7576\u6709\u4eba\u900f\u904e\u5176\u6587\u7ae0\u9023\u7d50\u8a3b\u518a\u6210\u70ba\u99d5\u99db\u6216\u6703\u54e1\uff0c\u5c31\u53ef\u4ee5\u5f97\u5230\u50ad\u91d1\uff0c\u6240\u4ee5\u7cbe\u5fc3\u64b0\u5beb\u6587\u7ae0\u3002\u5171\u4eab\u7d93\u6fdf\u8cc7\u8a0a\u7db2\u3002\u6210\u7acb\u7db2\u7ad9\u8cfa\u7684\u6bd4\u6b63\u503c\u591a\u3002\u52a0\u5165\u81ea\u7531\u5275\u696d\u7684\u65b0\u793e\u6703~a.\u73fe\u8eab\u4e26\u5805\u6301\u4e0b\u53bb\u3001b.\u7761\u89ba\u73a9\u6a02\u81ea\u5df1\u4ecd\u5728\u5de5\u4f5c\u3001c.\u5f04\u5047\u76f4\u5230\u6210\u771f\u3001d.\u505a\u6c92\u9322\u4e5f\u9858\u610f\u505a\u7684\u4e8b\u3001e.\u9858\u610f\u505a\u51fa\u72a7\u7272\u3001f.\u627f\u64d4\u98a8\u96aa\u548c\u9069\u61c9\u3002

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