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普通人家十年一千万理财计划(大结局)

(2020-02-04 10:01:52) 下一个

普通人家十年一千万理财计划(大结局)

凡事有始有终,今年花了将近一年的时间,把十二年写的“普通人家十年一千万理财计划” 做了一个总结。我把所有的理财经历,我的投资的方法,经验教训形成了一本书。


这本书名叫做“会走路的钱”。干活才用了11年,总结却写了一年的时间。全书将近500页。可谓呕心沥血,因为没有编辑,我需要反复改过自己写的稿子。大改5遍,小改6遍,最终出版了。全书35万字,相当于半部红楼梦的容量。写完这样的长篇才知道写作的艰苦,远非博客短文可比。曹雪芹当年大概率是后四十回写完了,弄丢了稿子,不然不会前面的文字那么整齐,后面一个字都没有。

 

我翻阅了我投资理财以来,过去所有的账目记录,详细地记录了每一项大的投资的来龙去脉。是怎么发现投资机会的,是怎样筹措资金的,是怎样控制风险的,我怎样一步步提升执行力的。当然最重要的是怎样一次次跌到,再爬起来的。有那些惨痛的教训。

作为我们这代人的历史一部分,90年代移民美国的华人,似乎我们有责任经历的投资理财经历都记录下来。一方面这是历史的一部分,另外一方面可以供后来的人来阅读,吸取其中有益的营养。

全文按照0-1万,1万-10万,10万-100万,100万-1000万美元四个数量级的增长历程。 再现了我的他投资经历。 主要内容涵盖我自己投资理财的成长史,我是怎么获得投资理财的知识的,以及2007-2018年的我涉及的三个大的投资的来龙去脉:投资中国房地产,次贷危机湾区抄底,持有比特币。

在0-1万和1万-10万这个篇章里,我记录了当年老中代代传下来的五条理财真经:提高信用分数、避免超前消费、开二手车、亲自维修、不打官司多运动。我也用现身说法证明你总是可以存三分之一的收入的。这世上,没有人可能比你自己对自己的钱更加上心,不要指望任何人能够管好你的钱。

在这本书里,我投资的核心理念就是“会走路的钱”。这几乎的融汇在我的每个投资决定中。 钱是会走路的,即使你把钱压在箱子里,抱在被窝里,换成金银股票放在保险柜里,都挡不住钱会像长脚一样走来走去。投资理财,就是要专找那些别人看不见,正在走路的钱。

在充分效率的市场,用懒人投资法;在非充分效率的市场,用勤快人投资法。投资要跟着屌丝年轻人走,你只需要比New money抢先一步,永远不要和Old money拼体力。

这本书现在可以在亚马逊用Kindle看电子版的。上册可以免费阅读。也可以在Lulu.com上买纸质版的。Amazon不支持中文出纸质书,只能在Lulu这样的小出版社发行。读者见谅。

电子版上下册,(亚马逊只能出版中文繁体字电子书,简体只能看纸质书)

https://www.amazon.com/s?i=aps&k=bayfamily&ref=nb_sb_noss_2&url=search-alias%3Daps

亚马逊读后review comments需要用英文写,中文会被亚马逊自动过滤掉。请在繁体版上册后留言。因为简体版随时会被亚马逊下架。

纸质版上下册可以在这里买到,不过要一周后才能到。

https://www.lulu.com/bayfamily

目录

前言 

第一章 节俭是一种美德        

第二章 存1/3的收入    

第三章 从0到1万美元        

第四章 从1到10万美元      

第五章 从10到100万美元  

第六章 会走路的钱       

第七章 懒人理财法       

第八章 勤快人理财法    

第九章 投资不是为了退休    

第十章 为追求财富正名        

第十一章 普通家庭十年一千万投资理财计划     

第十二章 从MBA到投行     

第十三章 从100到1000万(一)抢房       

第十四章 啃老是可耻的        

第十五章 从100到1000万(二)抄底!抄底!        

第十六章 在美国做房东        

第十七章 从100到1000万(三)比特币   

后记 

附录:历年投资总结     

我这本书是抱着一个感恩的心态,一个人闷头做一件事情,其实挺困难的,在过去十几年里,如果没有网友的支持,没有把目标公布出来之后,网友给我的心理压力,我恐怕也是很难实现自己的投资目标的。我每次写文章分享出去,都会收到一些反馈。有的网友会问我一些问题,有时会给我一个提醒,给我一些灵感。我这本书是做一个回馈给网友和投资理财社区的。我用这本书记录下来,文学城投资理财论坛上我们曾经一起走过的十几年岁月。

说完我的书,终于可以写写年终总结了。新年总结帖子有些长,我另外起一个帖子接着写吧。

 

 

微信公众号:WXC-bayfamily

微信号:key-east

 

书评汇总:

亚马逊

 
 
Reviewed in the United States on February 6, 2020
Verified Purchase
Reviewed in the United States on February 9, 2020
 
Reviewed in the United States on February 10, 2020
 
Reviewed in the United States on February 4, 2020
 
 
Reviewed in the United States on February 6, 2020
 

 

 

 

 

 

 

 

 

Showing 1-7 of 7 reviews
 
Reviewed in the United States on February 6, 2020
Over the last decade, if you ever put down your money in the housing market in China's Tier 1 cities or big cities on the US coasts, you ever regret you did not to buy more, hate cash in our pocket was not deep enough, or sold your properties much earlier, this book would be recommended.

You will be resonated and hear the heart beating of the author, when reading how he overcome all downpay and loan challenges after he determined to buy 8 properties in the San Francisco Bay Areas. It's awesome!
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0Comment Report abuse
Reviewed in the United States on February 14, 2020
This is a great book about how to think about wealth and make money in a simple, practical way. The author brings tons of insights on how to manage money, how to invest, and use his real experience and stories to show how to succeed. Its so real and close to average people, and it’s entertaining to read. It’s a must read book for everyone.
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0Comment Report abuse
Reviewed in the United States on February 13, 2020
I like the real experience the author shared, and how he did it. Although I will not try bitcoin, but will definitely try real estate. Honest and valuable experience.
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0Comment Report abuse
Reviewed in the United States on February 9, 2020
 
After I finished reading the 1, I could not wait to this 2. This set of books are very helpful and answered a lot of the questions bothering me for a while. The author talked very detailed of what challenges he has met and how he overcome them. I am meeting the same kind of challenges too and thank the author can be so unselfishly sharing with all the readers. This book is a blessing! His books remind me an old saying : Direction is more important than diligent!
Personally, I feel it is my lucky that I find this set of books and finished reading them. I think I may need to read them again to make the future direction clearer.
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0Comment Report abuse
Reviewed in the United States on February 10, 2020
 
This book transcend the race and border regard that how an ordinary people reverse spell of their fate and ther life. The down to earth steps and principles is so obvious and accessible for the mass but but “easier said than done. All wisdom works only if only you apply in real life. Execution and persistence is key factors for success. Worthy reading and beneficial lifelong
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0Comment Report abuse
Reviewed in the United States on February 4, 2020
 
Life could be changed after reading this book.

It’s a Dream, a big Goal. The author shows step by step how to make the right choice to achieve his goal.

I believe that anyone follows his method and work hard will realize their true potential.
One person found this helpful
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0Comment Report abuse
Reviewed in the United States on February 18, 2020
The writing is concise and clear. Learned a lot. Thank you. The best book I have read for this year.
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Showing 1-10 of 10 reviews
Reviewed in the United States on February 23, 2020
This book is an eye opener to me. It is basically a record of the author's investment practice in over a decade. The author did not just disclose the things he did and thought correctly, but also his mistakes and misses. As a reader, it like re-live the moment and so easy to connect myself to the situation. The author also go beyond the point of providing a vivid successful story and also illustrate his investment philosophy and methodology. It almost feels like you can produce the success. I feel grateful that I met the book. Strongly Recommended.
Reviewed in the United States on February 6, 2020
Over the last decade, if you ever put down your money in the housing market in China's Tier 1 cities or big cities on the US coasts, you ever regret you did not to buy more, hate cash in our pocket was not deep enough, or sold your properties much earlier, this book would be recommended.

You will be resonated and hear the heart beating of the author, when reading how he overcome all downpay and loan challenges after he determined to buy 8 properties in the San Francisco Bay Areas. It's awesome!
Reviewed in the United States on February 14, 2020
This is a great book about how to think about wealth and make money in a simple, practical way. The author brings tons of insights on how to manage money, how to invest, and use his real experience and stories to show how to succeed. Its so real and close to average people, and it’s entertaining to read. It’s a must read book for everyone.
Reviewed in the United States on February 21, 2020
You may not be able to repeat what the author's success but you will get a big idea about how other people make money. Very interesting book.
Reviewed in the United States on February 20, 2020
This book is very useful on investment. Arthur describes his own experience how to archive from 1000 to 10million in 10 year. I learn lots of knowledge from book.
Reviewed in the United States on February 13, 2020
I like the real experience the author shared, and how he did it. Although I will not try bitcoin, but will definitely try real estate. Honest and valuable experience.
Reviewed in the United States on February 18, 2020
The writing is concise and clear. Learned a lot. Thank you. The best book I have read for this year.
Reviewed in the United States on February 9, 2020
After I finished reading the 1, I could not wait to this 2. This set of books are very helpful and answered a lot of the questions bothering me for a while. The author talked very detailed of what challenges he has met and how he overcome them. I am meeting the same kind of challenges too and thank the author can be so unselfishly sharing with all the readers. This book is a blessing! His books remind me an old saying : Direction is more important than diligent!
Personally, I feel it is my lucky that I find this set of books and finished reading them. I think I may need to read them again to make the future direction clearer.
Reviewed in the United States on February 10, 2020
This book transcend the race and border regard that how an ordinary people reverse spell of their fate and ther life. The down to earth steps and principles is so obvious and accessible for the mass but but “easier said than done. All wisdom works only if only you apply in real life. Execution and persistence is key factors for success. Worthy reading and beneficial lifelong
Reviewed in the United States on February 4, 2020
Life could be changed after reading this book.

It’s a Dream, a big Goal. The author shows step by step how to make the right choice to achieve his goal.

I believe that anyone follows his method and work hard will realize their true potential.
One person found this helpful
Reviewed in the United States on February 13, 2020
Format: Kindle EditionVerified Purchase
Reviewed in the United States on February 18, 2020
Format: Kindle EditionVerified Purchase
Reviewed in the United States on February 28, 2020
Format: Kindle Edition
I am a CFA and professional investor. I have read most of the investment classics ranging from Graham, Fisher, Soros etc, not to mention all the modern financial theories that you learn from business school text books. From this book, you get an innovative and thought-provoking investment theory that is concluded from a totally different prospective and his real-life successful investment story. The author's core investment philosophy is: The value of a product greatly depends on the demand of its current and potential users. To maximize the returns, you need to use low-cost leverage on where such marginal change is the most. In other words. invest the asset that the group who will be rich must need in 5 years. This explained the phenomenon that classic value investing can't explain such as bitcoin. The bitcoin as a product doesn't generate any future cash flow thus it's worthless by value investors' eyes. However, it reveals its opportunities once looking through the author's investment framework: From the demand side, the players of the product changed from a small geek group to the worldwide audience, from poor startup programmers to affluent VC investors and fund managers. From the supply side, by its design nature, the new supply is significantly fewer. This creates a severe imbalance that leads the price of bitcoin roared to the sky no matter how value investors mock it.
The author has made his $10 million fortune starting from scratch, after successfully applying his theory to Silicon Valley real estate, Chinese real estate, and Bitcoin. He is now on the quest from $10 M to $100 M. I wish him the best and thank him for contributing this new prospective to the investor community.
Comment Report abuse

贝版的投资成绩绝非偶然

来源:  于 2020-02-08 01:01:52 

过去的十几年,我们都见证了贝班投资的好成绩,每年年末都期待着他的年底汇报,我觉得他是我看到的最能够用数据和分析来指导投资理财的大拿,我们其他人都是凭感觉去投资,而他善于思考总结成绩和教训,用以指导将来的投资和找到新的趋势。更可贵的是,他把自己思考总结和实践的结果无私奉献给大家,比如他说的渗透理论,动态看房价和收入增长,钱是会走路的,到年轻人堆里去投资等,经他明确阐述,对照自己的投资经历很有共鸣,也对我寻找未来趋势,省去很多弯路。

他今年的年终汇报竟然是花了一年写的书。下载快读后,虽然有许多内容是过去博文中读过但是书是连贯记录了他所有的投资经历和经验,有了更多细节,有理有据,文笔流畅,回顾过去展望未来,受益匪浅。

 

• 应该说 1-16 章 赢得一片赞叹,第17 章 引起争论。的确也不是一般人能实现的。 -大百百♂ 给 大百百 发送悄悄话 大百百 的个人群组 (0 bytes) (4 reads) 02/05/2020 postreply 00:12:43

• 从出书的角度,建议把第17章散掉。这样能让此书成为更多人的宝典。 -大百百♂ 给 大百百 发送悄悄话 大百百 的个人群组 (0 bytes) (4 reads) 02/05/2020 postreply 00:24:39

• 非常感谢你的点评,本书的目的和传统理财书不太一样 -BayFamily♂ 给 BayFamily 发送悄悄话 BayFamily 的博客首页 BayFamily 的个人群组 (739 bytes) (121 reads) 02/05/2020 postreply 07:35:41

• 感谢贝班出书分享他的黄金思维。 -圭妈♀ 给 圭妈 发送悄悄话 圭妈 的个人群组 (0 bytes) (2 reads) 02/05/2020 postreply 11:33:15

• 谢谢分享! -green2008♂ 给 green2008 发送悄悄话 green2008 的个人群组 (0 bytes) (4 reads) 02/05/2020 postreply 12:46:20

• 十几年过去了,早已物是人非。想到这里会有些伤感 -BayFamily♂ 给 BayFamily 发送悄悄话 BayFamily 的博客首页 BayFamily 的个人群组 (432 bytes) (37 reads) 02/05/2020 postreply 18:33:49

• 买了书,等待寄过来???? -Mumaren1107♀ 给 Mumaren1107 发送悄悄话 Mumaren1107 的个人群组 (0 bytes) (3 reads) 02/05/2020 postreply 16:52:00

• 纸质书比较慢 -BayFamily♂ 给 BayFamily 发送悄悄话 BayFamily 的博客首页 BayFamily 的个人群组 (97 bytes) (22 reads) 02/05/2020 postreply 18:28:41

• 牛人 -blogcity♂ 给 blogcity 发送悄悄话 blogcity 的博客首页 blogcity 的个人群组 (0 bytes) (1 reads) 02/05/2020 postreply 18:42:01

• 牛人 -coliphage♂ 给 coliphage 发送悄悄话 coliphage 的博客首页 coliphage 的个人群组 (0 bytes) (0 reads) 02/05/2020 postreply 20:30:00

• 谢谢贝班在书里毫无保留地分享了他成功背后的思维模式,真后悔没有早一点看到。 -DreamSeeds♀ 给 DreamSeeds 发送悄悄话 DreamSeeds 的博客首页 DreamSeeds 的个人群组 (0 bytes) (0 reads) 02/05/2020 postreply 20:37:56

• 我想知道1000万之后的投资和消费的变化,这和之前的旧有的观念已经不一样了。有这方面的信息和经验吗? -Nas3350♂ 给 Nas3350 发送悄悄话 Nas3350 的个人群组 (0 bytes) (0 reads) 02/05/2020 postreply 20:44:00

• 一口气读完大作,谢谢你分享的不仅是赚钱之道、更是你的为人之道和人生真谛。收益良多,致谢! -hiccupbaby♀ 给 hiccupbaby 发送悄悄话 hiccupbaby 的个人群组 (0 bytes) (1 reads) 02/05/2020 postreply 21:42:20

• 强烈推荐!!读这本书绝对是我目前做的最好投资之一 -myuskids♀ 给 myuskids 发送悄悄话 myuskids 的个人群组 (1812 bytes) (12 reads) 02/06/2020 postreply 10:33:32

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阅读 ()评论 (7)
评论
Quarx 回复 悄悄话 我朋友比你的年轻,海归几年就好几个亿了,你这10年才一千万。我朋友给他的母校,北大,捐献就是6个亿人民币。WXC 里面low贴多。
Lifashi 回复 悄悄话 请问阅读上册书现在也要收费了吗?
iceox 回复 悄悄话 看样子我挣不到千万咯, 哈哈。 步入中年,有点小钱,现在不享受何时享受 ^_^
harvshen 回复 悄悄话 两个周末看完两本书,很有感触与体会,仿佛是黑暗中的明灯。感谢分享,祝一切顺利!
myuskids 回复 悄悄话 谢谢贝版!书写得非常生动易懂,没有经历过08金融危机的我看了有种身临其景的感觉。
更难能可贵的是,书里真实且毫无保留地把对与错的决策都记录下来。这些投资的真谛和人生的道理值得反复阅读和深思。
这是最值得花时间细读的一本书!如果按照书里的方法来开拓自己的思维 并且work hard的话,一定会让你获得更好的投资收益。
DreamSeeds 回复 悄悄话 过去十年的中美楼市以及比特币这三大机遇我们每个人都经历了,但绝大多数人都错过了三个中的一个以上。

贝版在书里把他的投资真谛和思维模式毫无保留地分享了出来,不得不感叹,财富是存在于头脑中的!

书里生动的道出了做出正确的投资判断需要下哪些功夫。值得反复阅读。跟着这本书可以提升我们的思维认知,从而不再错过下个十年的大机遇!

致谢!
wanjingyou 回复 悄悄话 Thank you Bay family! It's great that you can share your success and pain with us. We're at the different stage of the ladder, luckily, in the same direction! Best,
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