On October 16, 2004, I chatted with silly. I am very small to talk about someone else.
In particular, incentive, tribute to communicate. I am very happy, a concept of shocking myself can also shocking silly
. And affect him, because I know that he is the same as the enthusiasm of physics and my enthusiasm for the computer. I always want to
Our night's conversation made a summary, but I think, the longer the thoughts, the more simple. That is financial freedom. It also
It is our first goal. The following example may be the way I walk with Silly, and things may happen between 5-10 years.
Before 2014, I hope that I and Silly will become rich and can be financially free.
Shanghai Fu Dad's Freedom Road
Http://www.sina.com.cn October 18, 2004 15:49 The "Fu Dad" series of "rich father" series is unknown in the world, and the owner of this article may be based on the world. Previous. Three years ago, he would rather give the high salary of multinational companies to choose a "financial freedom" road that seems to be inefficient, and he is unexpectedly in this "incredible choice". Interestingly, he is almost guided by the theory of "rich father", followed "Difficult Investment", "attaches importance to cash flow", "real estate is a strong investment tool", and put himself abroad Return 2.1 million yuan of funds is assigned to real estate, stock, foreign exchange, industry and other financial fields. In just three years, the miracle appeared, a typical Shanghai "rich father" was born in the shore of Huangpu River. Liu Jianping's personal assets have jumped to now nearly 10 million yuan, especially those "rich Dad", called "unique investment tools", which makes him trying to "harness the power of the power", I put in this year 500,000 yuan in cash, has turned over more than 10 times, reaching 5.9 million yuan. Liu Jianping's value-added speed is amazed. He has successfully envied the road of financial freedom, and his legendary investment experience, I believe it can bring many inspiration to everyone. I will give up a high salary, and my dreams become "rich father". "The rich does not work for money. The money is a power, but more powerful is the education of financial management. The money is coming again, but if you know how money is working. You have the power to control it, and start to accumulate wealth. The reason for the light does not work is that most people have not mastered the truly operation rules after receiving school education, so they are working for money. " "Fu Dad" said a depth glasses, travel bag, washing pan-shirts, like an ordinary overseas students, this is the first impression of Shanghai "Fu Dad" Liu Jianping to reporters. The sun in the summer is a little glaring, "Starbucks" people are obviously crowded, and the interview has to move to "a tea", but with the topic, all discomfort is very fast, and Liu Jianping's investment experience is enough to ignore people All this. Have to admit that as a professional financial magazine, we are very glad to meet such interviews. Liu Jianping's university is a communication industry. In 1989, he went to Australia with the first time, in 1992, he began to study a master's degree in communication. In 1997, Liu Jianping returned to China by the invitation of the Ai Li Xi's Asian R & D Center, and as one of the 8 main crew members of the center, Liu Ji Enci Company entered Ericsson Company. After the two-year contract expiration, Liu Jianping was seen by the headhunting company, and the hopping to the Motorola's Technology R & D Center. If there is no later choice, from his experience, Liu Jianping walks on the "poor father" route in the rules - high education, famous enterprises, high-paying positions, he is likely to be like all of the world's strong "poor father" Buy a house to buy a car, try to work to make money to pay the monthly bill, this is also a white-collar worker that is already walking or wants to walk. Of course, this is just "if". On the eve of 2001 "9.11", it was influenced by the US economic loss, and Motorola had a strategic contraction, and Liu Jianping thoughtfully chose to leave. "I also want to re-find a job. In fact, the headhunt company is still looking for me, I can find and work with the past salary, even higher, and I am a permanent immigration of Australia. Of course, You can choose to return to Australia, but a few years of drifting and working career make me feel tired, I want to change the road. "Liu Jianping was hesitant, and the passport held in his hand was densely labeled with many people's imprint, overseas In 9 years, he still wants to stabilize his country.
At that time, he began to come into contact with Robert.t. Yaki and Sharlen. Licht's "rich father and poor father" series, it seems to have realized that he is drifting for many years after many years of money and life. Really understand, I started to understand that I have been busy in the past, but I am a "poor father" practitioner, but I want to truly reach a financial freedom of finance, I have to be a "rich father." It should work hard to invest rather than trying to invest rather than deposit, this is the first difference between "rich father" and poor father, their second difference is: Poor Dad teaches people to write a good resume Find a good job; another teach people write ambitious business planning and financial programs, and then create opportunities for entrepreneurship. - "Daddy" said that Liu Jianping is not a person who has a white hand. After winning the income of the work, plus a fee paid by the departure unit, Liu Jianping already has an asset of 2.1 million yuan in 2001, which is already the concept of rich people in the eyes of many people. "But it is still very far away from finance." He explained this, these money may be able to buy a good house and car for him, then maintain his life and his family's well-off, but he has to go Work to pay a constant bill of monthly source. "So to invest rather than save money." More than one is always his own dream. In September 2001, Liu Jianping invests 500,000 yuan and friends to set up a software company, and strive to attract venture capital attention and hope to achieve their career. At the same time, according to the theory of "to put a lot of eggs in different baskets", he distributes the other 1.5 million yuan of assets of the hand: 500,000 yuan investment property; 500,000 yuan investment foreign exchange; 600,000 yuan invest in Australian stocks and Domestic stock. He didn't even have a high expectation value, of course, did not think of his asset will grow to nearly 10 million yuan after 3 years. "I want to scatter the risk, so many faces. After all my assets are not very small, if in assets Under the premise of very strong value-added wishes, it is more suitable for centralized operations. "Of course, he did not mechanically operate in accordance with the investment portfolio theory touted by the investment expert. In the past three years, he has been operating in accordance with the amount of fund allocation at that time, no more increased the investment in real estate due to many real estate profits, and there is no significant amount of shareholding in Australian stocks, everything is also distributed according to the original. "Every kind of assets, or each kind of investment method has its own cycle law. When the property is in high, the full warehouse will make the risks are too concentrated, so I choose not to move to comply with this law." Three After the year, in the face of his own investment results, Liu Jianping summarizes this. He showed his own investment record in detail, a little secret paper recorded him invested every property, every stock experience, and even show all its real estate trading contracts. In the "rich father and poor father" book he took out, the reporter discovered many points of his red pen sign, most of which were put into investment practices. He is a serious and diligent person, he meets the important conditions of "Dad" - "If you have a desire to get rich, you have to concentrate." Real estate investment harvesting is an amazing person from any person seeking financial independence or freedom. Said that real estate is a strong investment tool, it can be said to be a unique investment tool. Even when "chicks" around, "chicks" is considered to be very scary, smart investors still have a good investment opportunity. - "Fu Dad" said that many people believe that in the case of the current national control mortgage, high-priced room risk, it is not a wise thing to use more than a multi-pen ink to introduce investment. But as "rich father" said, Liu Jianping is practical. What's more, he also caught up with a good time to invest in real estate investment.
It is also because I realize that the investment opportunities at the time, Liu Jianping did not limit their real estate investment strategy to "Dad" "seven-year only", but the main line is mainly, the house is rarely exceeded One year, thereby obtaining a continuous cash flow. Strategy 1: Team of policy, is greedy, when you shoot. In 2001, the state encouraged the purchase of houses very obvious that the Blue Print Account Policy, the deed tax halved policy, etc., Liu Jianping saw the prospect of the development of the real estate industry. Although Pudong's housing prices have been launched, he found that the export house is still falling, some houses even fell below half of the opening price, Liu Jianping was so angry. After some investigation, in June 2001, he found that the export housing on the five-star road in Pudong is only 1,000 US dollars per square meter, and the house has reached a high price of $ 1800 / square meter. So he bought a 151.59 square meters of house with a total price of 1.25 million yuan, with a fund of 370,000 yuan, 70% of the loan, and bought the first investment room. "I have a habit. When I buy a house, I must see my profit space. I can't expect it to know how much money I can earn. It is like the first house. In fact, I estimate the price of profit when I buy a house. Confident. "In August 2001, the internal and external houses were in the rail, Liu Jianping realized that the price of domestic sales will soon catch up, so there is no advantage in the house price of the export house, he is rushing to shoot the house of the five-star road. The listing price of $ 1900 / square meter, no one is concerned, Liu Jianping has dropped to $ 1800 / square meter, and the result has happened the "9.11" incident after the customer's deposit, the customer began to hesitate, Liu Jianping also decisively Down to $ 1,700 / square meter, transaction shot. "I am not greedy. Because I know that there is a house in your hand in your hand in your hand, of course, they are not willing to fall. I know that this house is put in your hands and is hot, after all, the policy is not the same. , Deduct a variety of transaction fees, deed taxes, and interest costs. The first set of houses earned 750,000 yuan. "Strategy 2: Auction in the auction, looking for the court to debt the property. Because of the reasons of all aspects, the debt real estate is not concerned about people, and it is easy to enable unmanned. On the contrary, the court as auchius is eager to sell the house to obtain cash, so the property has unique investment potential. Asked Liu Jianping how to find this investment, he didn't talk too much, but the reporter found the answer in the book he read by "Fu Daddy Dad". The reason for "rich father" invests in a real estate is "There is a dilapidated time to sell than any other signboard." Liu Jianping's annotation is: "You can kill." Maybe this is him Get inspired. "After the internal and external house, I have decided to turn the investment to the domestic sales. At that time, I saw the report on the newspaper on the Shanghai citizen to the auction house, and I have a lot of heart. I have turned a few times in the auction house. After that, I will look at the debt of the court. In fact, the truth is also very simple. The real estate taken by the court is generally eager to shoot, so the auction price is usually 20% off the price, that is, even if the price does not rise, deduct Falling various expenses, I also have at least 10% of profit, I have said, I like to see the profit will invest again. "Under this kind of ideology, Liu Jianping appeared in the auction center. More. At the beginning of 2002, the household price of Renhengbin River has reached $ 1,500 per square meter, about 12,000 yuan / square meter, and the court's auction price is only 10,000 yuan / square meter, plus the news that Huangpu River developed Already passed, Liu Jianping immediately took 140 square meters of house with garage with a total price of 1.7 million yuan. "I only had more than 1200,000 yuan in cash, and the court asked to pay for two weeks.
So I have to pay 1 million yuan of sincerity, borrowing the court's assessment book to apply for bank loans, loans 60%, garage can not loans, actually pay more than 600,000 yuan. "But Liu Jianping learned that the garage of Ren Hengbin River Garden is not nervous. There is still a large number of housing in the developer. So I decided to sell at a low price, 207,000 yuan, and he took 180,000 yuan. A few After the month, the house was out of charge of $ 1600 / square meter, the total price of 1960,000 yuan, so the second set of real estate transactions "small earning" more than 20 million yuan. The Haodu International Garden Villa is also Liu Jianping from the court auction property. "Gold". In August 2002, the Haodu International Garden started at 3,000 yuan / square meter. To know that this independent garden villa has reached 7,000 yuan / square meter at the beginning, it will fall all the way, and the Shenbo has not succeeded, there is already a house price It is rising or falling discussion in the influence of investment psychology. However, after the inspection, Liu Jianping was taken at 650,000 yuan price, the down payment of 250,000 yuan, the loan is 60%. Because the house is a teak luxury decoration, Liu Jianping only spent 90,000 yuan In the early 2003, the total price of 11.5 million yuan was deducted, and the decoration and interest expense were deducted. "Because of the emergency debt, the general property rights of the house taken by the court are more clear, no complex transfer formalities. And its assessment price is also trustworthy. But that is, now I have rarely get it here. Since the price is fast, the court's house is also assessed the original price, there is no more profit. "Strategy 3: Pay attention to the comparison of the comparison and longitudinal comparison. The horizontal ratio is compared to the house in the same area, see if there is any profit space, the longitudinal ratio is compared to the house price in the past few years, look at the rising space How big is it. The price before investing in the property is the benefit that can be obtained in order to calculate the purchase. This is the main driving force for driving Liu Jianping. Of course, his listings are mainly from the court auction assets. At the end of 2002, Xinhua Road Panyu Road The nearby Times Tower is only 4,000 yuan / square meter. This is the export house built in 1997 because the lawless debt, from the opening of $ 2,000 / square meter all the way. And the opposite New Huaying has been sold. 7500 yuan / square meter, horizontal comparison, Liu Jianping believes that it can be profitable, so I bought a 21-story office room with a total price of 580,000 yuan. When the shot, the house price has risen to 9300 yuan per square meter, Liu Jianping Finally, the total price of 1.15 million yuan is profitable. "Remove the commission and all taxes sent to the auction center, I actually earned money to 460,000 yuan, but because it is a house, you need to pay the difference tax, so I will take It is only 210,000 yuan in the profit. This is the only set of office room I fry. "By the end of 2002, the discussion on whether the housing price to high is quite fierce. Liu Jianping still sends a value-added hope for the property." At that time, the housing prices in Songjiang, Nanhui and other places have not risen, I have studied the ruling law of foreign house prices. In the case where the low-cost house is not started, the price is hard to fall. "The same is the Thai Auction Center of his usual Taobao. Liu Jianping found" Gold "according to his own price mode. At that time, the auction center took out the four auctions of the Panyu Building, all the debt to the bank, each set There are 160 square meters, four sets of shooting, single price 3600 yuan / square meter, the same price is 20% off. Because of the emergency set, the starting auction price fell from 3,600 yuan / square meter to 3,300 yuan / square meter, After no one, I fell to 3,000 yuan / square meter starting. "The second-hand housing around is 7,000 yuan / square meter, such auction price is definitely people. At that time, I had a little 'hand itching in the auction center, but I was helpless, and the total price was too high. In addition to funding issues, the risk is relatively amplified.
So we all worked together to find a auction center, it is recommended that they have disassembled four sets, and they finally agreed. Liu Jianping took one of them with a price of 3,300 yuan / square meter. Subsequently, in December 2002, Shanghai Shenbo was successful, the house price is soaring. "This house is also very interesting when you shoot, I just started hanging 6000 The price of yuan / square meter, there are many people who come to see the room. I immediately mentioned the price of 7,000 yuan / square meter, and many people showed a transaction intention, so I mentioned 200 yuan, and finally 7200 yuan / square The unit price of rice, net earned more than 500,000 yuan. "Strategy 4: Make full use of the rising Rotary Effects Liu Jianping is more willing to bring his successful experience of his own investment in a story. In Singapore, there is a couple only a house, but there are four children, so good at financial management. The housewife will find a way to change a house in order to five houses. She uses the rotation effect of housing prices, that is, housing prices always rise from the city center, the center, and then to the middle area, and then to the middle area The law of the edge area. Because his house is in the center, the house price is rising, the housewife sells the house of the city center, moving his home to the center area, and the loan bought a three-bedroom. House; waiting for this area to sell this house, she sells this house, and the loan bought two sets of two-bedroom house, so circulating, 20 years, wait until the four children gradually come home, the housewife does not light their own house, It also gave a child to prepare four houses. "This story suits a property value-added law, that is, the growth of the price is first from the high price room to the medium price room, and finally go to a low price, then go back to a high price. In Australia, the house price is basically doubled, and according to the law, the house is beginning to rise, the rent will rise at the same time. When the price is at the same time, the price will start to rise, drive the price of upstream industry, then price, at the same time Wages have also risen. Under the housing prices, the employment of urban labor has increased, the average salary has risen, so the rent begins, and the balance of rent and housing prices have broken, the price begins again. Under normal circumstances, 5 years of time room prices are in a state of rising state, in the context. "With such experience, Liu Jianping is of course different for the current housing prices. He doesn't think the house price is facing a big wave down. Instead, he has used his comparison effect law, and strive Looking for a property suitable for investment, but compared to 2001, his choice is more cautious, and it is more decisive, and the hand is bigger than before. The three sets of real estate he still hold in the hand are illustration. These three sets The house in Xujiahui is Liu Jianping's real estate investment returned to the city center. "Because it is a room, it is bought when it is slow in the city center, and the unit price of the house is not high, except for a set of landscape housing 9000 yuan / square In addition to rice, the other two sets are only 7500 yuan / square meter. I look at the prices around the second-hand housing, which is close to 15,000 yuan / square meter, so I decided to buy it. "There is no time to pay, the surrounding intermediary has stirred the housing prices of the community to 14,000 yuan / square meter. In the past, the house bought by 1.07 million yuan, 1080,000 yuan, today's market value has reached 5.9 million yuan. "Loan more than 1 million yuan, pay more than 10,000 yuan per month, the pressure is not very large. "Liu Jianping did not want to hold the three sets of houses in his hand too long. In fact, in the 6-set room in his past, each house took place in his hand very much for more than 1 year.
He is the continuous shooting of the house to win the cash flow in the next investment, even if the value of the real estate in the hands has reached 5.9 million yuan, he still holds more than 1.9 million yuan in cash, waiting for the next set worth it. Investment property. From this point of view, he is undoubtedly a smart investor, not a blind speculators. For today's housing market, Liu Jianping is not pessimistic. He is in a variety of ways to resolve risks, but there is no due to risk stop. "The main reason why most people are not rich is that they are too worried. The winner is not afraid of losing, but the loser is afraid." He trust this. Efficiency and profit is not proportional "I know that I am not a company staff, I like to open a company but don't operate them, so I bought the stock is a small company. Sometimes I know my own small company and appreciate them. Make Wealth from the release of the new stock. I love this game. "-" Farming Dad "said that it is also insertion, some local green trees are shaded, and some places may just be bare branches. The investment assets allocated in different fields three years ago, and today's growth is different. For example, it is also optimistic, Liu Jianping earns a lot of money in investing in real estate. On the contrary, the real estate stocks he bought is very disappointed. In the past three years, the investment of 300,000 yuan assets in the domestic stock market have shrunk to 150,000 yuan, Liu Jianping said, the right is to pay a tuition fee. Liu Jianping did something disappointing, because in the past three years, his maximum energy in his spare time is placed on the stock market. Network, books, TV is his most source of information, and the contrary to the real estate that brings him the biggest profit is the least. Due to the orientation relationship of funds, China's housing markets and stock markets have never had this regular law. Liu Jianping's stock market experience is not an accident, just makes him in investing in real estate and real estate stocks. The quality of the house price does not bring the growth of listed companies, and there is no value added to the corresponding stock, can't say China A strange landscape of the stock market. This kind of investment ideas and "rich fathers" have some uncomfortable. "Fu Dad" likes to invest small stocks, the reason is "The object of love investment, understands and know the rules of the game, the risk is reduced." Liu Jianping also chose the real estate industry that he loved and familiar with, but the ending is completely different, When the reporter said whether to invest too much in this way, Liu Jianping expressed its denying. "In fact, domestic stock markets and overseas stock markets are completely different, but I am in investing in stocks in Australia, thinking that the growth of the industry will inevitably increase the growth of the industry's stock performance, in fact, not this. Based on the confidence in the real estate industry The stocks I bought are almost all related to this, such as Shanghai Construction, Jinqiao, Chinese Enterprise, etc., but it is not as good as it seems that the stock market is a tool that was carried out as a sabot of money. I intend The stock market is full, and then wholeheartedly, it is enough to calculate. "Fortunately, the Australian stocks he investive have a stable return every year." Dividend is quite considerable, and it is long-term investment. It does not need to spend too much experience tracking. " More than 50,000 AUD has doubled, about RMB 600,000. In terms of foreign exchange capital, Liu Jianping is also successful. He is not blindly attacked, only for your own familiar dollar, and the practice proves that this is more wise to invest in small capital investment exchanges. "The currency single can easily be familiar with and understand, let alone I have too much time tracking. And let's talk about it, even if the investment fails, the hand is forced to hold the Australian dollar, and I can use the Australian green card." Liu Jianping used 500,000 yuan of foreign exchange investment today to increase 50%, "in average." He said. All of this is still a "deputy industry" for Liu Jianping. Entrepreneurship is his main business. The reporter can obviously feel this investment in his heart from his speech.
