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  • wow, Have you heard the phrase debt is the root of all evils never gets into debt debt slavery.

    哇,你聽說過 "債務是萬惡之源 "這句話嗎?"永遠不要陷入債務奴役"。

  • And that is true to a certain extent because when you're drowning in debt, your life is over.

    這在某種程度上是真的,因為當你被債務淹沒時,你的生活就結束了。

  • While you're trying to pay your debts, your debts are not waiting for you.

    當你試圖償還你的債務時,你的債務並沒有在等你。

  • They are growing day by day since no one learns money for free, there is always an interest.

    他們在一天天成長,因為沒有人免費學錢,總是有興趣的。

  • Despite all of this, the United States has embraced debt.

    儘管這樣,美國還是擁抱了債務。

  • Total U.

    共計U.

  • S.

    S.

  • Consumer debt is almost $15 trillion which brings the average household debt to over $5300.

    消費者債務幾乎達到15萬億美元,這使得家庭平均債務超過5300美元。

  • The US.

    美國。

  • GDP is a little over $21 trillion, which means the entire economy consists out of that.

    國內生產總值是21萬億美元多一點,這意味著整個經濟都是由這個組成的。

  • But I have some good news for you.

    但我有一些好消息要告訴你。

  • That isn't always bad.

    這並不總是壞事。

  • That is unpopular opinion because most of the debt we have is bad debt.

    這是不受歡迎的觀點,因為我們的大部分債務是壞賬。

  • You probably have some credit card debts, a car loan and maybe a student debt and you're thinking it will take me decades to pay off all of these debts.

    你可能有一些信用卡債務,汽車貸款,也許還有學生債務,你在想我要花幾十年才能還清所有這些債務。

  • How on earth can that be something good in order to understand how that can be something positive.

    這究竟怎麼可能是好的東西,以便理解這怎麼可能是積極的東西。

  • Let's take a look at how people with deep pockets still use death to make even more money.

    讓我們來看看那些腰纏萬貫的人是如何利用死亡來賺取更多錢的。

  • It might sound a bit confusing because why would anyone with a lot of money use debt in the first place.

    這聽起來可能有點令人困惑,因為為什麼有很多錢的人首先會使用債務。

  • That is supposed to be used by people who do not have money.

    這應該是給那些沒有錢的人使用的。

  • But that's not how capitalism works.

    但這不是資本主義的運作方式。

  • That is a powerful tool.

    這是一個強大的工具。

  • If you know how to use it.

    如果你知道如何使用它。

  • And in this video, you will find out how rich people use that to make even more money.

    而在這段視頻中,你會發現富人是如何利用這一點來賺取更多的錢。

  • So give this video a thumbs up and let's get right into it.

    是以,請為這段視頻豎起大拇指,讓我們直接進入主題。

  • No one, most of the trade is based on debt.

    沒有人,大部分的貿易都是基於債務。

  • It might sound a bit controversial because borrowing money to start the business is a horrible idea and personally I would never do that.

    這聽起來可能有點爭議,因為借錢創業是一個可怕的想法,我個人絕不會這麼做。

  • But there are businesses, especially traditional businesses were using debt is your best option.

    但有些企業,特別是傳統企業,使用債務是你最好的選擇。

  • Let's say you want to sell pence.

    比方說,你想賣出便士。

  • It's a very common products and there is pretty much always a demand for it ideally.

    這是一種非常常見的產品,而且在理想情況下幾乎總是有需求的。

  • You would fly to china, find a factory that produces that kind of pen with good quality and the right price.

    你可以飛到中國,找到一家生產這種筆的工廠,品質好,價格合適。

  • You would purchase a container of pence, ship them to the U.

    你會購買一貨櫃便士,把它們運到美國。

  • S.

    S.

  • And distribute them to your clients.

    並把它們分發給你的客戶。

  • But today that's mostly done online through websites like Alibaba.

    但今天這主要是通過阿里巴巴等網站在網上完成的。

  • Unless it's a more complicated products where you have to fly to that factory.

    除非是比較複雜的產品,你必須飛到那個工廠。

  • But here is the catch.

    但這裡有一個問題。

  • You don't really have to pay for the products to have the product first.

    你其實不需要為產品付錢,就可以先擁有產品。

  • Let me explain how in the past 50 years, china has become the factory of the world, producing literally everything.

    讓我解釋一下,在過去50年裡,中國如何成為世界工廠,生產字面上的一切。

  • Thousands of factories work nonstop to produce everything that the world needs.

    成千上萬的工廠不停地工作,生產世界需要的一切。

  • And in order to make it easier to sell most of these factories would gladly loan you their products in return That you would pay them sometime in the future.

    為了使銷售更容易,這些工廠大多樂意借給你他們的產品,作為回報,你將在未來的某個時候支付給他們。

  • Of course, they would not learn to strangers.

    當然,他們不會向陌生人學習。

  • So you will have to build some kind of trust with them first.

    是以,你將不得不首先與他們建立某種信任。

  • But that's how business has been running for the past 50 years.

    但這就是過去50年來的商業運作方式。

  • Once the client would sell the product in the US.

    一旦客戶將在美國銷售該產品。

  • or any other part of the world, he would pay the factory and borrow more products.

    或世界上任何其他地方,他都會向工廠付款,並借用更多產品。

  • You're basically telling the factory, you know how to produce it.

    你基本上是在告訴工廠,你知道如何生產它。

  • So let me help you sell it.

    所以讓我幫你賣掉它。

  • If I can sell it for anything above this price, that's going to be my profit.

    如果我能以高於這個價格賣出,那將是我的利潤。

  • What makes this strategy great is that you're not tying up your own money in this transaction.

    這種策略的好處是,你在這筆交易中沒有佔用自己的資金。

  • That's why selling is one of the greatest skills you can ever master.

    這就是為什麼銷售是你能掌握的最偉大的技能之一。

  • Number two.

    第二。

  • Re financing real estate debt is the best kind of debt because it's filled with loopholes.

    再融資房地產債務是最好的一種債務,因為它充滿了漏洞。

  • If you don't have a mortgage, then you're paying extra taxes.

    如果你沒有抵押貸款,那麼你就得付額外的稅。

  • Rich people always have multiple mortgages to be able to get all of those deductions.

    有錢人總是有多個抵押貸款,以便能夠獲得所有這些扣減。

  • Remember every dollar that you're supposed to pay in taxes, but instead You save an extra dollar earned.

    記住你應該支付的每一美元的稅款,但你卻多存了一美元的收入。

  • So that's another way rich people get richer.

    所以這是另一種富人變富的方式。

  • But let me give you a more practical way.

    但讓我給你一個更實際的方法。

  • This is how basically rich people get rich in real estate.

    這基本上是富人在房地產領域的致富方式。

  • Let's say you saved $200,000.

    比方說,你存了20萬美元。

  • That's a lot of money.

    那是一大筆錢。

  • But if we are going to be honest, that's peanuts.

    但是,如果我們要誠實,這就是花生。

  • You can't even buy a house.

    你甚至不能買房子。

  • Of course you can get a mortgage up to $800,000 since you have to make a 20% down payment.

    當然,你可以獲得80萬美元以下的抵押貸款,因為你必須支付20%的首付款。

  • But here is the secret, let's say you find a property that cost half a million dollars.

    但這裡有一個祕密,假設你找到一個價值50萬美元的房產。

  • It's in a bad condition and needs some or maybe a lot of renovation.

    它的狀況很差,需要進行一些或很多的裝修。

  • You had to a bank and get a mortgage by making a 20% down payment.

    你必須到銀行,通過支付20%的首付來獲得抵押貸款。

  • Let's say you're going to spend around 10% of the total cost of the house to renovate it.

    比方說,你要花房子總價的10%左右來裝修它。

  • Or around $50,000.

    或5萬美元左右。

  • You have to re bank again.

    你必須再重新存入銀行。

  • But this time to refinance your mortgage when you got your first mortgage, the value of that property was just half a million dollars because it was in such a bad condition that no one wanted to live there.

    但這次為你的抵押貸款再融資,當你拿到第一筆抵押貸款時,那處房產的價值只有50萬美元,因為它的狀況太差,沒有人願意住在那裡。

  • But since you have renovated it now, there are people who want to rent it out.

    但由於你現在已經裝修好了,有人想把它租出去。

  • So the market value of that property, let's say rises to $700,000.

    是以,該房產的市場價值,比方說上升到70萬美元。

  • Like the first time, let's say you're going to get an 80% mortgage, but 80% out of $700,000 is $560,000.

    就像第一次,假設你要獲得80%的抵押貸款,但70萬美元中的80%是56萬美元。

  • $400,000 out of that money is going to go to your first bank that gave you the first mortgage.

    這筆錢中的40萬美元要交給給你第一筆抵押貸款的第一家銀行。

  • And let's deduct another $50,000 that you spend on the renovation.

    讓我們再扣除你花在裝修上的50,000美元。

  • And you're going to be left with an extra profit of $110,000.

    而你將會留下11萬美元的額外利潤。

  • You made $110,000 using debt and you're left with a property that you can rent out to build equity and generate passive income.

    你利用債務賺了11萬美元,你剩下的是一個可以出租的房產,以建立資產併產生被動收入。

  • On top of that.

    在此基礎上。

  • You're going to avoid paying taxes because you have a mortgage.

    你要避免交稅,因為你有抵押貸款。

  • This is a very common practice among real estate investors.

    這是房地產投資者中非常普遍的做法。

  • Can you really see after this?

    這之後你真的能看到嗎?

  • That that is bad.

    那是不好的。

  • I will leave that for you to answer in the comments section below number three hedge funds, hedge funds are made by the rich for the rich to make rich people richer and they usually use unpopular strategies.

    我將把這個問題留給你在下面的評論部分回答。第三,對沖基金,對沖基金是由富人為富人制造的,以使富人更加富有,他們通常使用不受歡迎的策略。

  • Mortal people like me and you, we make our best efforts to predict which companies are going to grow and rise in value and invest the money we work so hard to earn in hopes for these companies to grow.

    像我和你這樣的凡人,我們盡最大努力預測哪些公司將增長和升值,並將我們辛辛苦苦賺來的錢投資,希望這些公司能夠增長。

  • But hedge funds often use a completely opposite strategy.

    但對沖基金經常使用完全相反的策略。

  • They try to make money when companies fall or go bankrupt as it was with the case of Gamestop, although in that case the Internet challenge hedge funds and push them to lose over $13 billion.

    他們試圖在公司倒下或破產時賺錢,就像Gamestop的情況一樣,儘管在這種情況下,互聯網挑戰對沖基金,並推動他們損失超過130億美元。

  • But how do you hedge funds make money with debt?

    但你們對沖基金是如何利用債務賺錢的呢?

  • Let's say you expect a certain stock to decline like facebook because you know that Apple, who produces the most popular smartphone, will announce next week that they will no longer let apps to track you like facebook or instagram track your online activity and make privacy their first priority, which will greatly damage facebook's business model.

    比方說,你預計某隻股票會像facebook一樣下跌,因為你知道生產最受歡迎的智能手機的蘋果公司將在下週宣佈,他們將不再讓像facebook或instagram這樣的應用程序跟蹤你的在線活動,並將隱私作為他們的首要任務,這將大大損害facebook的商業模式。

  • So you pick up your phone and call your broker to borrow from him a single facebook stock that cost, let's say $100 and instantly sell it in the open market for $100.

    是以,你拿起電話,給你的經紀人打電話,向他借一支成本為100美元的Facebook股票,並立即在公開市場上以100美元的價格出售。

  • Congrats now you have $100 in your pocket, but you steal all your broker one facebook stock, Let's say you're right.

    恭喜你,現在你的口袋裡有100美元,但你偷了你所有的經紀人一個Facebook的股票,讓我們說你是對的。

  • And next week Facebook stock price drops to $70.

    而下週Facebook股價跌至70美元。

  • Use that $100 to buy one- Facebook stock for $70 since the price dropped and return it to your broker and pocket.

    用這100美元買一Facebook的股票,因為價格下跌了,用70美元買一Facebook的股票,然後把它還給你的經紀人和口袋。

  • The difference congrats you've made $30 out of a full of a stock.

    不同的是,祝賀你從滿滿的一支股票中賺了30美元。

  • It sounds simple in theory, but it's extremely difficult and risky in practice.

    這在理論上聽起來很簡單,但在實踐中卻非常困難,而且風險很大。

  • What happens if you're wrong?

    如果你錯了會怎樣?

  • What if the price doubles overnight, you still have to return that single facebook stock, your broker and pay interest for borrowing that stock.

    如果價格一夜之間翻了一番,你仍然要歸還那隻單一的Facebook股票,你的經紀人和支付借入該股票的利息。

  • Now you have to buy that stock back for $200 to return it to your broker when you buy a stock and try to sell it.

    現在你必須用200美元買回那支股票,以便在你買入股票並試圖賣出時將其退回給你的經紀人。

  • When it rises.

    當它升起的時候。

  • The maximum that you can lose is the amount you invested in.

    你最大的損失是你投資的金額。

  • But not in the case of short inc if the price keeps rising, your losses keep rising theoretically, you can make unlimited losses, since theoretically the stock price can rise indefinitely.

    但在空頭inc的情況下就不一樣了,如果價格不斷上漲,你的損失理論上也不斷上漲,你可以做無限的損失,因為理論上股票價格可以無限上漲。

  • But if you have 100 analyst working for you, you can make a fortune using the strategy number four for X.

    但如果你有100個分析師為你工作,你可以用第四號策略為X賺取財富。

  • We have already discussed this in our forex video, which link I will live in the comment section, but here's how it works.

    我們已經在我們的外匯視頻中討論過這個問題,這個鏈接我將在評論區直播,但這裡是它的工作原理。

  • In short, forex is a market where currencies are traded.

    簡而言之,外匯是一個交易貨幣的市場。

  • It makes international trade possible.

    它使國際貿易成為可能。

  • You can use us dollar in china.

    你可以在中國使用美元。

  • You have to buy chinese yen to pay your employees, for example in china.

    例如在中國,你必須購買日元來支付你的僱員。

  • So there is a market where anyone or any company can come in and purchase foreign currencies and based on different factors, these currencies fluctuate.

    是以,有一個市場,任何人或任何公司都可以進來購買外匯,根據不同的因素,這些貨幣會出現波動。

  • For example, the Fed rises interest rates that will limit the supply of dollar in the market and make us dollar stronger against other currencies or vice versa.

    例如,美聯儲提高利率,這將限制市場上的美元供應,使我們的美元對其他貨幣更強,反之亦然。

  • So if you can predict which currencies will rise or fall, you can make a lot of money in this market.

    是以,如果你能預測哪些貨幣會上漲或下跌,你可以在這個市場上賺很多錢。

  • But what makes these markets so different from the rest is that for every dollar you use to trade in forex, you can borrow an additional $100.

    但這些市場與其他市場的不同之處在於,你每用一美元來進行外匯交易,就可以多借100美元。

  • That means if you trade using your $1,000, you can hold a position worth $100,000.

    這意味著如果你用你的1000美元進行交易,你可以持有價值100,000美元的頭寸。

  • If you end up making a small profit like 1%, it will be huge.

    如果你最終能賺取1%這樣的小利潤,那將是巨大的。

  • Number five credit score.

    五號信用評分。

  • As you can see.

    正如你所看到的。

  • That is a powerful tool.

    這是一個強大的工具。

  • Every successful business company or entrepreneur uses debt in various ways, especially if you have a proven business model borrowing money to finance purchase orders is practiced pretty much by every business.

    每個成功的商業公司或企業家都以各種方式使用債務,特別是如果你有一個成熟的商業模式,借錢為採購訂單融資是每個企業幾乎都在實行的。

  • So stop thinking in terms all debt is bad.

    是以,不要再以所有債務都是壞事的角度來思考。

  • Of course that's with the high interest rates such as credit card debt is horrible.

    當然這是在高利率的情況下,如信用卡債務是可怕的。

  • But in order to get a lower interest rate, you have to minimize the risks of loaning your money.

    但為了獲得較低的利率,你必須將貸款的風險降到最低。

  • How do you do that?

    你是如何做到這一點的?

  • You build a track record of being a reliable borrower.

    你建立了一個可靠的借款人的記錄。

  • There are billions, if not trillions of dollars in the bank's waiting for someone to borrow them.

    銀行裡有幾十億,甚至上萬億的美元,等待著有人來借。

  • And even if there isn't any money banks can create money out of thin year.

    即使沒有任何貨幣,銀行也可以憑空創造貨幣。

  • And we have explained that in a previous video anyways, if you have enjoyed this video, make sure to give it a thumbs up.

    我們已經在之前的視頻中解釋了這一點,如果你喜歡這個視頻,請務必給它一個大拇指。

  • And if you're new around here, subscribe and turn on your notifications.

    如果你是這裡的新人,請訂閱並打開你的通知。

  • You're welcome to the channel where you will learn everything there is to know about money investing in the stock market.

    歡迎你來到這個頻道,在這裡你將瞭解到關於在股市投資的一切知識。

  • Thanks for watching.

    謝謝你的觀看。

  • And I will see you in the next one.

    我將在下一場比賽中見到你。

  • Mm hmm.

    嗯,嗯。

wow, Have you heard the phrase debt is the root of all evils never gets into debt debt slavery.

哇,你聽說過 "債務是萬惡之源 "這句話嗎?"永遠不要陷入債務奴役"。

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富人利用債務賺錢的5種方法 (5 Ways Rich People Make Money With Debt)

  • 30 4
    林宜悉 發佈於 2021 年 06 月 23 日
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