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普通人家十年一千萬理財計劃(大結局）bayfamily.us

BayFamily (2020-02-04 10:01:52) 評論 (11)

普通人家十年一千萬理財計劃(大結局）(購書信息匯總 http://bayfamily.us)

凡事有始有終，今年花了將近一年的時間，把十二年寫的“普通人家十年一千萬理財計劃” 做了一個總結。我把所有的理財經曆，我的投資的方法，經驗教訓形成了一本書。


這本書名叫做“會走路的錢”。幹活才用了11年，總結卻寫了一年的時間。全書將近500頁。可謂嘔心瀝血，因為沒有編輯，我需要反複改過自己寫的稿子。大改5遍，小改6遍，最終出版了。全書35萬字，相當於半部紅樓夢的容量。寫完這樣的長篇才知道寫作的艱苦，遠非博客短文可比。曹雪芹當年大概率是後四十回寫完了，弄丟了稿子，不然不會前麵的文字那麽整齊，後麵一個字都沒有。

 

我翻閱了我投資理財以來，過去所有的賬目記錄，詳細地記錄了每一項大的投資的來龍去脈。是怎麽發現投資機會的，是怎樣籌措資金的，是怎樣控製風險的，我怎樣一步步提升執行力的。當然最重要的是怎樣一次次跌到，再爬起來的。有那些慘痛的教訓。

作為我們這代人的曆史一部分，90年代移民美國的華人，似乎我們有責任經曆的投資理財經曆都記錄下來。一方麵這是曆史的一部分，另外一方麵可以供後來的人來閱讀，吸取其中有益的營養。

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曆程。 再現了我的他投資經曆。 主要內容涵蓋我自己投資理財的成長史，我是怎麽獲得投資理財的知識的，以及2007-2018年的我涉及的三個大的投資的來龍去脈：投資中國房地產，次貸危機灣區抄底，持有比特幣。

在0-1萬和1萬-10萬這個篇章裏，我記錄了當年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。我也用現身說法證明你總是可以存三分之一的收入的。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。

在這本書裏，我投資的核心理念就是“會走路的錢”。這幾乎的融匯在我的每個投資決定中。 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。

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，你隻需要比New money搶先一步，永遠不要和Old money拚體力。

這本書現在可以在亞馬遜用Kindle看電子版的。上冊可以免費閱讀。也可以在Lulu.com上買紙質版的。Amazon不支持中文出紙質書，隻能在Lulu這樣的小出版社發行。讀者見諒。

電子版上下冊，(亞馬遜隻能出版中文繁體字電子書，簡體隻能看紙質書）

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

亞馬遜讀後review comments需要用英文寫，中文會被亞馬遜自動過濾掉。請在繁體版上冊後留言。因為簡體版隨時會被亞馬遜下架。

紙質版上下冊可以在這裏買到，不過要一周後才能到。

https://www.lulu.com/spotlight/bayfamily

音頻書和其他直接購買PDF的方式匯總在這裏

https://bayfamily.us

目錄

前言 

第一章 節儉是一種美德        

第二章 存1/3的收入    

第三章 從0到1萬美元        

第四章 從1到10萬美元      

第五章 從10到100萬美元  

第六章 會走路的錢       

第七章 懶人理財法       

第八章 勤快人理財法    

第九章 投資不是為了退休    

第十章 為追求財富正名        

第十一章 普通家庭十年一千萬投資理財計劃     

第十二章 從MBA到投行     

第十三章 從100到1000萬（一）搶房       

第十四章 啃老是可恥的        

第十五章 從100到1000萬（二）抄底！抄底！        

第十六章 在美國做房東        

第十七章 從100到1000萬（三）比特幣   

後記 

附錄：曆年投資總結     

我這本書是抱著一個感恩的心態，一個人悶頭做一件事情，其實挺困難的，在過去十幾年裏，如果沒有網友的支持，沒有把目標公布出來之後，網友給我的心理壓力，我恐怕也是很難實現自己的投資目標的。我每次寫文章分享出去，都會收到一些反饋。有的網友會問我一些問題，有時會給我一個提醒，給我一些靈感。我這本書是做一個回饋給網友和投資理財社區的。我用這本書記錄下來，文學城投資理財論壇上我們曾經一起走過的十幾年歲月。

說完我的書，終於可以寫寫年終總結了。新年總結帖子有些長，我另外起一個帖子接著寫吧。

 

 

微信公眾號：WXC-bayfamily

微信號：key-east

 

書評匯總：

亞馬遜

 
 
Fan Wang
5.0 out of 5 stars It's normal investors like you and me opening our eyes wider
Reviewed in the United States on February 6, 2020
Verified Purchase
Comment Report abuse
alex4baby
5.0 out of 5 stars This is the Chinese version of Rich dad poor dad. Reading it is a blessing!
Reviewed in the United States on February 9, 2020
 
Comment Report abuse
jason hu
5.0 out of 5 stars The book change my life
Reviewed in the United States on February 10, 2020
 
Comment Report abuse
Honghong Liu
5.0 out of 5 stars I Wish I'd Read Earlier.
Reviewed in the United States on February 4, 2020
 
 
Reviewed in the United States on February 6, 2020
 

 

 

 

 

 

 

 

 

Showing 1-7 of 7 reviews
 
Fan Wang
5.0 out of 5 starsIt's normal investors like you and me opening our eyes wider
Reviewed in the United States on February 6, 2020
Verified Purchase
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!
Sending feedback...
Thank you for your feedback.
0Comment Report abuse
JW
5.0 out of 5 starsBest personal finance book, simple, clear, and entertaining
Reviewed in the United States on February 14, 2020
Verified Purchase
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.
Sending feedback...
Thank you for your feedback.
0Comment Report abuse
Roy Yuan
5.0 out of 5 starsHonest and valuable experience
Reviewed in the United States on February 13, 2020
Verified Purchase
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.
Sending feedback...
Thank you for your feedback.
0Comment Report abuse
alex4baby
5.0 out of 5 starsThis is the Chinese version of Rich dad poor dad. Reading it is a blessing!
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.
Sending feedback...
Thank you for your feedback.
0Comment Report abuse
jason hu
5.0 out of 5 starsThe book change my life
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
Sending feedback...
Thank you for your feedback.
0Comment Report abuse
Honghong Liu
5.0 out of 5 starsI Wish I'd Read Earlier.
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
Sending feedback...
Thank you for your feedback.
0Comment Report abuse
june yu
5.0 out of 5 starsBest book
Reviewed in the United States on February 18, 2020
Verified Purchase
The writing is concise and clear. Learned a lot. Thank you. The best book I have read for this year.
Sending feedback...
Thank you for your feedback.
0Comment Report abuse

 

Showing 1-10 of 10 reviews
Yeqing Li
5.0 out of 5 stars Great book for personal investment
Reviewed in the United States on February 23, 2020
Format: Kindle EditionVerified Purchase
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.
Comment Report abuse
Fan Wang
5.0 out of 5 stars It's normal investors like you and me opening our eyes wider
Reviewed in the United States on February 6, 2020
Format: Kindle EditionVerified Purchase
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!
Comment Report abuse
JW
5.0 out of 5 stars Best personal finance book, simple, clear, and entertaining
Reviewed in the United States on February 14, 2020
Format: Kindle EditionVerified Purchase
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.
Comment Report abuse
Danny
5.0 out of 5 stars Don't copycat. Learn instead.
Reviewed in the United States on February 21, 2020
Format: Kindle EditionVerified Purchase
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.
Comment Report abuse
yu tan
5.0 out of 5 stars Great book original from Arthur experience.
Reviewed in the United States on February 20, 2020
Format: Kindle EditionVerified Purchase
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.
Comment Report abuse
Roy Yuan
5.0 out of 5 stars Honest and valuable experience
Reviewed in the United States on February 13, 2020
Format: Kindle EditionVerified Purchase
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.
Comment Report abuse
june yu
5.0 out of 5 stars Best book
Reviewed in the United States on February 18, 2020
Format: Kindle EditionVerified Purchase
The writing is concise and clear. Learned a lot. Thank you. The best book I have read for this year.
Comment Report abuse
alex4baby
5.0 out of 5 stars This is the Chinese version of Rich dad poor dad. Reading it is a blessing!
Reviewed in the United States on February 9, 2020
Format: Kindle Edition
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.
Comment Report abuse
jason hu
5.0 out of 5 stars The book change my life
Reviewed in the United States on February 10, 2020
Format: Kindle Edition
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
Comment Report abuse
Honghong Liu
5.0 out of 5 stars I Wish I'd Read Earlier.
Reviewed in the United States on February 4, 2020
Format: Kindle Edition
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
5.0 out of 5 stars Honest and valuable experience
Reviewed in the United States on February 13, 2020
Format: Kindle EditionVerified Purchase
Comment Report abuse
june yu
5.0 out of 5 stars Best book
Reviewed in the United States on February 18, 2020
Format: Kindle EditionVerified Purchase
Comment Report abuse
Rui Ma
5.0 out of 5 stars A thought-provoking investment theory from a different prospective
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

貝版的投資成績絕非偶然

來源:  於 2020-02-08 01:01:52 

過去的十幾年，我們都見證了貝班投資的好成績，每年年末都期待著他的年底匯報，我覺得他是我看到的最能夠用數據和分析來指導投資理財的大拿，我們其他人都是憑感覺去投資，而他善於思考總結成績和教訓，用以指導將來的投資和找到新的趨勢。更可貴的是，他把自己思考總結和實踐的結果無私奉獻給大家，比如他說的滲透理論，動態看房價和收入增長，錢是會走路的，到年輕人堆裏去投資等，經他明確闡述，對照自己的投資經曆很有共鳴，也對我尋找未來趨勢，省去很多彎路。

他今年的年終匯報竟然是花了一年寫的書。下載快讀後，雖然有許多內容是過去博文中讀過但是書是連貫記錄了他所有的投資經曆和經驗，有了更多細節，有理有據，文筆流暢，回顧過去展望未來，受益匪淺。

 

• 應該說 1-16 章 贏得一片讚歎，第17 章 引起爭論。的確也不是一般人能實現的。 -大百百- ♂ 給 大百百 發送悄悄話 大百百 的個人群組 (0 bytes) (4 reads) 02/05/2020 postreply 00:12:43

• 從出書的角度，建議把第17章散掉。這樣能讓此書成為更多人的寶典。 -大百百- ♂ 給 大百百 發送悄悄話 大百百 的個人群組 (0 bytes) (4 reads) 02/05/2020 postreply 00:24:39

• 非常感謝你的點評，本書的目的和傳統理財書不太一樣 -BayFamily- ♂ 給 BayFamily 發送悄悄話 BayFamily 的博客首頁 BayFamily 的個人群組 (739 bytes) (121 reads) 02/05/2020 postreply 07:35:41

• 感謝貝班出書分享他的黃金思維。 -圭媽- ♀ 給 圭媽 發送悄悄話 圭媽 的個人群組 (0 bytes) (2 reads) 02/05/2020 postreply 11:33:15

• 謝謝分享！ -green2008- ♂ 給 green2008 發送悄悄話 green2008 的個人群組 (0 bytes) (4 reads) 02/05/2020 postreply 12:46:20

• 十幾年過去了，早已物是人非。想到這裏會有些傷感 -BayFamily- ♂ 給 BayFamily 發送悄悄話 BayFamily 的博客首頁 BayFamily 的個人群組 (432 bytes) (37 reads) 02/05/2020 postreply 18:33:49

• 買了書，等待寄過來???? -Mumaren1107- ♀ 給 Mumaren1107 發送悄悄話 Mumaren1107 的個人群組 (0 bytes) (3 reads) 02/05/2020 postreply 16:52:00

• 紙質書比較慢 -BayFamily- ♂ 給 BayFamily 發送悄悄話 BayFamily 的博客首頁 BayFamily 的個人群組 (97 bytes) (22 reads) 02/05/2020 postreply 18:28:41

• 牛人 -blogcity- ♂ 給 blogcity 發送悄悄話 blogcity 的博客首頁 blogcity 的個人群組 (0 bytes) (1 reads) 02/05/2020 postreply 18:42:01

• 牛人 -coliphage- ♂ 給 coliphage 發送悄悄話 coliphage 的博客首頁 coliphage 的個人群組 (0 bytes) (0 reads) 02/05/2020 postreply 20:30:00

• 謝謝貝班在書裏毫無保留地分享了他成功背後的思維模式，真後悔沒有早一點看到。 -DreamSeeds- ♀ 給 DreamSeeds 發送悄悄話 DreamSeeds 的博客首頁 DreamSeeds 的個人群組 (0 bytes) (0 reads) 02/05/2020 postreply 20:37:56

• 我想知道1000萬之後的投資和消費的變化，這和之前的舊有的觀念已經不一樣了。有這方麵的信息和經驗嗎？ -Nas3350- ♂ 給 Nas3350 發送悄悄話 Nas3350 的個人群組 (0 bytes) (0 reads) 02/05/2020 postreply 20:44:00

• 一口氣讀完大作，謝謝你分享的不僅是賺錢之道、更是你的為人之道和人生真諦。收益良多，致謝！ -hiccupbaby- ♀ 給 hiccupbaby 發送悄悄話 hiccupbaby 的個人群組 (0 bytes) (1 reads) 02/05/2020 postreply 21:42:20

• 強烈推薦！！讀這本書絕對是我目前做的最好投資之一 -myuskids- ♀ 給 myuskids 發送悄悄話 myuskids 的個人群組 (1812 bytes) (12 reads) 02/06/2020 postreply 10:33:32