At present, the author owns more than 20 properties, with a monthly cash flow of about 500 thousand, two cars at home and a 200-square-meter house in the city center. The company he runs has a good market prospect. He attends a high-end party for tea or red wine once a month and can communicate freely in English. His career realized an annual income of 6,543,800 yuan. His wife practices yoga and studies health preservation. Under her own influence, she takes good care of her figure and temperament. My daughter is 6 years old and has a lovely personality. Her parents retired and enjoyed their old age, and her younger brothers and sisters were affected. She has a clear financial planning and a rich life. The charity of the whole family also advocates smooth daily operation, which has a good influence in her hometown.
This book was written in March 20 19.
Chapter 1: Most of us have a wrong understanding of getting rich.
Section 1 Your wealth thinking determines your behavior of getting rich /002
Wrong cognition: 1, getting rich is a minority right; 2. Whether to get rich or not, talent and environment are decisive factors; 3. Getting rich depends on accumulation and thrift; Getting rich means earning more money through hard work.
Richard Buckminster Fuller,Jr.'s three laws of wealth can help us establish a correct thinking of getting rich: 1, the more customers we serve, the higher the efficiency; 2. The law itself is presented through judgment. If you want to influence others, the best way is to set an example. Everything in the world has its two sides.
Getting rich in the second quarter has nothing to do with talent, but only with the path /0 12.
The amount of wealth a person obtains is directly proportional to the clarity of his wishes, the firmness of his determination, the firmness of his beliefs and the depth of gratitude.
Getting rich in a scientific way means that our thinking must change from competitive thinking to creative thinking, otherwise we can't coordinate with intangible wisdom, because intangible wisdom is always creative, not competitive.
We should use creative thinking to understand getting rich. The more people become rich at the creative level, the better for everyone. Competitive thinking is to compete on the basis of limited resources. Ten thousand people cross the wooden bridge, and there are always sacrifices. And creative thinking means that more and more people work together to explore broader and richer resources, jointly expand their territory and jointly benefit everyone.
Just as the author taught us the knowledge of buying a house to get rich, our wealth will not shrink because of this, nor will we reduce our wealth in the process of communication, but there will only be more like-minded partners.
You don't need to overwork. You can screw up a week's work in one day and ruin your health. You don't need to be overly anxious. You are always worried about tomorrow or the day after tomorrow. The truly valuable action is to do everything that needs to be done that day and do every detail in your mind, so as to seize the opportunity of wealth.
Is the third section "I want to own my own house" out of reach or close at hand? / 024
Concrete vague goal of buying a house
Financial business teaches you to spend your money wisely: China people's property income is too low, which is why we need to work so hard. The ratio of labor income to property income in China is 98:2, while in the United States, the ratio of labor income to property income can reach 50:50.
Using financial and business thinking has become out of reach: no matter how great a person's ability is, the labor income he can get is limited. People with high financial IQ can manage their passive income and make money generate more money.
Section 4: Lease and sell the same rights. If you don't speculate in real estate, why not rent a house instead of buying a house? / 033
Policies such as equal rental and sales rights, no real estate speculation, and standardizing the rental market are greatly alleviating the phenomenon of buying a house, giving people the illusion that renting a house is not bad, and renting a house is better than buying a house.
Buying a house is an act of wealth accumulation, while renting a house is an act of wealth loss: renting a house for more than 180 months is more cost-effective than buying a house.
The ownership of real estate resources can bring you many survival advantages: Ricardo's Law-david ricardo was a securities broker in the early days of the exchange. Later influenced by Adam Smith's wealth theory. Study the theory of land rent. He believes that land rent is the land rent obtained by the landowner by virtue of his ownership of the land. And these land rents come from social productive forces. That is, the surplus value of the broad masses of workers.
Chapter II Family Real Estate Financial Management System View
What is the family real estate financial management system? / 046
At the 16th National Congress, personal housing mortgage loans accounted for 46.24% of all loans.
In the second quarter, 80% of wealth accumulation and 5% of time investment /055
Most families in China have accumulated 80% of their wealth from real estate, but only 5% of their time is spent on real estate.
The housing price in the real estate sector scared away 80% of customers, and only 20% of smart customers chose 80% of high-quality housing. After the policy is relaxed, 80% of the customers who are scared away can only grab the remaining 20% of the houses that have already increased in price.
The world is full of talented poor people: just like Jin Yong's martial arts novels, sad expectations are high. Smart, clever and flexible people often fail to perform well in the long course of life, but people like Guo Jing and Zhang Wuji, who have average qualifications but can persist in their efforts, can achieve great things.
In the third quarter, financial management strategy to realize asset multiplication /063
Let going to work and buying a house complement each other: if young people set their own income at the beginning, they must rely on work and buying a house to put 50% of their energy into their work to achieve promotion and salary increase, and the remaining 50% is spent thinking about saving enough down payment as soon as possible to obtain real estate profits.
Family financial management strategy to realize asset multiplication: that is, half of the money is used for the expansion of living expenses, and the other half is used for the optimal allocation of real estate to realize the preservation and appreciation of assets.
The fourth quarter real estate, let ordinary people counterattack /076
According to three principles: buying a house according to the standards of central city, central area and central lot can get double benefits. First, rent can bring stable income and increase cash flow. Second, the house continues to increase in value, allowing you to achieve more stable wealth growth.
Chapter 3 You work harder than anyone else, why can't you afford a house?
Section 1 Three Psychological Obstacles to Buying a House /088
Obstacles: 1 one step at a time, 2 perfectionism? Three is almost enough.
People who just buy a flat to make do with their lives may buy the wrong house, which requires buyers to pay a great price, because the financial resources consumed by buying a house generally account for 70~80% of the total assets, and the time we spend on choosing is less than 5%, which is extremely unreasonable.
The practical plan for ordinary people to buy a house in the second quarter /095
1, Digital Family Dream, Making Balance Sheet: Reasonable Debt Ratio of Families? The proportion of total liabilities to total assets cannot exceed 50%
2, according to their own risk preferences to determine the purchase strategy.
3. Asset allocation and real estate selection.
As far as the stage of development is concerned, I will tend to choose the house in the middle stage of development, because the housing facilities in this area are still being gradually realized, the price is still relatively low, and its value-added space and increase are relatively large.
As far as location is concerned, I tend to choose a house closer to the city center. Even if the market is bad, the houses in this area will fall slower than those in the suburbs, but if the market is good, their prices will rise quickly.
4. Adjust the investment strategy
Optimize the allocation of real estate and sell some assets with large appreciation space. With the continuous growth of personal assets, many families are no longer satisfied with the basic housing needs, and more and more people begin to plan the optimal upgrading of real estate.
On the one hand, the optimization of family's property selection should be adjusted according to the market development trend and policy changes, on the other hand, it should be combined with the increase of family income, the increase of family population and the enhancement of financial management consciousness. So this optimization needs to be updated every once in a while.
Buying a house to save money in the third quarter will help you easily save more than100000 yuan/105.
Share two misunderstandings about saving money after buying a house from the money of buying a house. When you easily save hundreds of thousands.
1, before buying a house
Strategy 1: It is the most economical to buy five unique houses: it is best to hold real estate advice for a long time.
Strategy 2: try to negotiate with the homeowner to save the net profit: Skill 1: Don't disclose too much personal information; Tip 2: Learn more about the owner and the house in advance; Tip 3: hide your good feelings about the house; Tip 4: Try to find the shortcomings of the house.
Step 2 buy a house
Strategy 1: Fine decoration is free: I have made thousands of long-term rental apartments, all of which are beautiful, as long as 30 thousand or even 10 thousand.
Strategy 2: bravely ask the intermediary for help: don't talk about the intermediary fee at the beginning and keep good interaction with the intermediary and promise to give him the corresponding fee; It is particularly easy to talk about the agency fee just before the transaction; ? How much can the agency fee be cut? The result may be beyond your imagination. If the agency fee is charged at three points, he may give you a 50% discount or even a 3% discount or a 2% discount.
3. After buying a house
Strategy 1: move in early and save 6 months' rent. Among them, the cycle of trading a house is three months, and the cycle of decoration is also three months; How to get the landlord to hand over the house to you in advance? Discuss with the landlord.
Strategy 2: separate materials manually so that you can decorate without wasting money? There are many opaque routines to make money in the decoration industry, mainly two. 1 is the premium of workers. The second is the premium of decoration materials to the project. You can choose the most suitable decoration materials by comparing prices, so you must buy them yourself, which can save 30~50% of the expenses.
Chapter IV How to Choose a House with Value-added Potential
For the first plate, "No.3 Middle School" was used to select the plate with the fastest appreciation in the city/1 18.
The better the location, the greater the appreciation space, and the higher the value preservation and resilience. Someone asked Li Ka-shing about the factors that even need to be considered when buying a house. He replied that the first factor that determines the appreciation of real estate is location, the second is location, and the third is location or location.
1, Central City: Beijing's education and medical conditions are leading in China, and it is also the science and technology center of China's political center, cultural center and international exchange center. In the urban planning of China, absolutely no city can compete in Beijing.
2. Choose the central area: how to judge the hot spots in the city: First, look at the transfer of the central department store; Second, look at the shift of key points in traffic construction; Third, look at the construction of development zones; Fourth, look at the construction of large residential quarters; Fifth, look at campus construction; Sixth, look at the relocation of the municipal government.
Using the principle of central area invariance to determine the golden belt, urbanization has made rapid progress in the past 30 years, and every city has caused ubiquity, but the central area of the city has hardly changed much? Looking at other cities in the world, West End of London, Manhattan, new york was the center of the city more than 100 years ago, and it is still the center of the city now. In the past 30 years, the urban construction area of Beijing and Shanghai has expanded by at least 10 times, but the most expensive places in Beijing are Dongcheng and Xicheng, and the most prosperous areas in Shanghai are Jing 'an District and Huangpu District.
How to judge the central area of a city? I think there are three indicators: the tallest building in a city, the municipal government building and the best primary schools in three cities. The big circle within 5 kilometers around these three places is the central area of the city.
3. Choose the central location: The so-called central location refers to the location close to the facilities closely related to people's lives. You can refer to the following standards: 1. The more convenient the transportation, the better; 2. The bigger the mall, the better; 3. There is a hospital nearby; 4. Peripheral education is supported by key high-quality middle schools.
There is a more stupid way to choose a high-rent location. Most of these areas have convenient transportation and complete living facilities. You can get a good rent by buying a house or renting it.
The principle of location selection is that the central city is greater than the central area, and the central location is greater than the central location.
How to choose the most cost-effective apartment in the second quarter? / 135
How to buy the most cost-effective apartment? You need to know three core judgment indexes and five key points of the apartment.
The three core judgment indicators are the reasonable orientation of the square width of the apartment.
The five key points in choosing apartment type are the permeability of the house in dynamic and static areas, the rationality of dry and wet areas and moving lines.
How to identify the invisible value of a house? / 144
Urban regional advantages: the real estate in first-tier cities and provincial capitals always has more value-added space than other regions.
Invisible cost: deposit income can't keep up with inflation, and buying a house is more popular; If the house has a lot of room for appreciation? If you have good liquidity, you can refinance from the bank?
Quality circle: buying a suite is like buying a circle. The level of the circle is measured by your neighbor's social status and cultural accomplishment. If your community is surrounded by high-quality social elites, they will become an important factor in the continuous appreciation of your real estate. Circles not only improve your quality of life, but also enable you to step into a social circle with higher social status and higher cultural literacy, and gradually realize the transformation from neighbors to friends to business partners. As we all know, Repulse Bay and Mid-Levels are the gathering places of Hong Kong celebrities in China and Hong Kong. Entertainment stars such as Repulse Bay, Chen, and Jacky Cheung all have houses, while Mid-Levels is the first choice for business tycoons such as Ma Yun and Li Ka-shing.
High-quality and high-grade apartment decoration: By choosing appropriate furniture to effectively and reasonably plan the space of the house, it will give people a spacious and spacious visual effect, which will make people feel that the actual area of the house is larger, so that the house has greater potential value.
How to buy low and sell high in the fourth quarter, and choose the best time to buy a house and change houses? / 152
Psychological misunderstanding 1 desperately save the down payment;
Psychological misunderstanding second-class preferential interest rate: 2065438+since March 2008, most banks have raised the interest rate of the first home loan, and there will be no discount of 20% or 10% on the previous annual interest rate in the future;
Psychological misunderstanding: the third-class land price falls: the purpose of the current regulation policy is not to let the house price fall, but to curb the skyrocketing house price, that is, to let the house price rise slowly; China has a population of 654.38+0.4 billion, but there are houses for 5 billion people to live in. But first-tier cities are still vying for land and housing. Why? Because land prices are getting higher and higher. The house is always the most valuable investment. No matter how the policy changes and the house price changes, the property with high cost performance will not fluctuate too much because of its high value preservation.
Psychological misunderstanding 4 and other reasons for buying a house than yourself:
The best time to change houses is to buy before selling when the market is stable. Of course, there are also some relatively good opportunities to buy a house in a year, such as when the market is coldest. Before the Spring Festival, many people will expect the government to introduce policies to regulate the property market in the coming year, so that house prices may fall.
Long-term lasting security: if the housing prices in first-and second-tier cities tend to be stable or even lower, how to choose?
Investment should be viewed in a cycle of 5 years to 10 years. We should look at buying a house this way. Basically, most investments can make money for two reasons: the inflationary pressure in the era of paper money and the continuous accumulation of economic growth.
Chapter V The person who can buy a house must be a negotiator.
Section 1 The most pitted road that buyers walk through is the routine of intermediary/162.
Several routines commonly used by real estate agents: publishing false housing routines; Create panic routines with sought-after houses; Monopoly housing at high prices; Create preferential gimmicks; And defrauding intent money.
The test method of whether the intermediary is reliable is 1. Oppose routine 2 and choose large intermediary companies. Before buying a house, compare routine 3 with field trip. Quietly shopping around violates routine 4. Look at the contract with routine 5. Adhere to the tripartite meeting.
In the second quarter, we negotiate to buy the best house with the least money/170.
Some people say that people who don't understand negotiation will always pay a high price. In this uncertain era, it is necessary to master certain negotiation skills.
Know what you want before buying a house.
When buying a house, you need to master some negotiation skills. First, don't be led by the intermediary. Second, learn to be a picky buyer. Third, create a harmonious negotiation atmosphere. Fourth, make appropriate retrogression in order to obtain greater concessions.
There is a famous phenomenon in psychology called facade effect. If you want the other person to accept a small request, but the other person usually won't agree, you might as well ask him a bigger and higher request first. After the other party refuses, it will generally accept your small request again. This effect is that people in psychological compensation want to play a generous role by taking advantage of others.
After buying a house, don't regret it and don't look back. Instead of assuming that you might be able to clinch a deal at a lower price by insisting on bargaining at that time, it is better to reflect on whether your negotiation method is worth improving.
In the third quarter, only a fool will think that the bank is exploitation, and the bank is obviously doing charity/179.
Judging from the economic trend of China, the house will be more and more valuable, the rent will be higher and higher, and the ratio of monthly payment to your income will be lower and lower. If the interest rate is marketized, the interest rate you bear will be further reduced, and your monthly payment will only be less and less, not more and more.
If you want to buy a house, don't borrow the full amount. The more loans you can get, the longer the loan term and the better the repayment. Choose equal principal and interest, and try to use provident fund loans.
The sixth chapter quickly saves enough down payment and makes it easy for the monthly payment.
Section 1 A guide for office workers with a monthly salary of 5,000 yuan/188
Purchase number 1? The second step in making a plan is to locate the cheapest, smallest and most dilapidated house in the city, which is your goal. The third step is implementation. The fourth step is to borrow money to find a house. You just need to choose the best one from 200 houses. If you can't find it, you must not see enough, because the real estate market has never been a market with symmetrical information.
How to open source before buying a house? / 196
The story of the pipeline tells us why and how to build the pipeline.
Only the earlier we start planning property income can we realize financial freedom earlier. The specific method comprises the following steps
1, realize professional skills and create a second income besides salary.
In addition to the skills needed for work, a person must have other talents or creativity. Maybe he is not outstanding now and can't bring you a second income, but we should consciously cultivate and establish this skill. You can write a book, be an online celebrity, and be an anchor. No matter what you do, it will help you realize your knowledge and talent.
2. Idle items can be rented.
3. Spare money for financial management
4. If you have nothing, you can borrow others to build a cash flow channel, such as sharing paid courses. As long as others buy it, it will be good.
5. Build other people's houses into growth apartments and realize millions of property income.
How to cut costs before buying a house? / 207
Reducing expenses is not to lower living standards, but to plan and consume reasonably according to one's living conditions and spend the least money to live the most comfortable life.
The minimalist consumption view of breaking up.
Shesheli believes that all kinds of troubles in life come from our persistence in things.
Haruki Murakami said that setting goals can make life easier.
Planned rational consumption view
Minimalism is a choice to save money, a choice to give up formally and actually regain it, because what we lack is not the material that can satisfy us, but the way to find what we want, so the real minimalism is to pour time and energy into the beautiful things and people that deserve our attention most.
Under the premise of the concept of breaking up, consumption has become a planned rather than blind and quantitative thing. In fact, most of the consumption in life can be planned in advance, so that we can clearly see how much money we need and where we spend it.
The biggest enemy of throttling is excessive consumption. We must make a reasonable consumption budget in advance and consider the priority of consumption in the order of survival demand, development demand and enjoyment demand.
Record the income and expenditure and reply in time.
Learn to spend money on the cutting edge
When you are in bonus hunter, you must learn to turn 0 into a whole box, and then turn it into 0.
Breaking the whole into parts is to quantify what needs to be purchased through budgeting, and then buy it at one time to get the biggest discount.
Breaking the whole into parts means that the shopping time is staggered. Taking online shopping as an example, 6 18 19 has different discounts on 1 1 Black 5 New Year's Day and other festivals. We can choose to buy different goods at different times.
The solution to buying a house as soon as possible is particularly simple: the most important thing in financial management is to pay for your dreams first and take out 20% of your monthly salary as a down payment for buying a house.
Chapter 7 What you must know in the process of buying a house
Section 1 Why can't people who want to bargain always buy a house? / 220
Generally speaking, as long as the house price rises for a long time, you can buy it directly
Just live within our means and meet the basic needs of life. We must cultivate the concept of gradient consumption.
In the second quarter, the present house and the future house /229
Small but sophisticated urbanization is accelerating, and the urban population is increasing. Small-sized houses are easier to rent and change hands, and parents are unwilling to live with their children, so small-sized houses are the general trend in the future.
Pay more attention to the housing experience. In the case of a small house area, the use of space will become an interesting problem, so the furniture in the future will pay more attention to the multiple superposition and practicality of space.
A sense of technology? The future decoration may be the customization of the whole house, science and technology, and the elements of mobile space will be widely used. Through the operating system, the sofa can be easily turned into a bed, sofa, living room, bedroom and movie hall.
Environmental protection residence All the building materials of the future house are environmentally friendly. In addition, the self-contained system can detect the temperature, humidity, air quality and other parameters of the environment, and automatically turn on air conditioners, floor heating humidifiers and other equipment to adjust the environment to the best state.
Acknowledgement /236
Only by achieving others can you achieve yourself.