普通人家十年一千万理财计划(大结局）bayfamily.us

普通人家十年一千万理财计划(大结局）(购书信息汇总 http://bayfamily.us)

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/spotlight/bayfamily

音频书和其他直接购买PDF的方式汇总在这里

https://bayfamily.us

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

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!

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.

Showing 1-7 of 7 reviews

There was a problem filtering reviews right now. Please try again later.

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

Sending feedback...

Thank you for your feedback.

Sorry, we failed to record your vote. Please try again

0Comment

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.

Sorry, we failed to record your vote. Please try again

0Comment

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.

Sorry, we failed to record your vote. Please try again

0Comment

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

Sending feedback...

Thank you for your feedback.

Sorry, we failed to record your vote. Please try again

0Comment

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.

Sorry, we failed to record your vote. Please try again

0Comment

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.

Sorry, we failed to record your vote. Please try again

0Comment

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.

Sorry, we failed to record your vote. Please try again

0Comment

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

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

Comment

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

Comment

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

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

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

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

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

Comment

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

Comment

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

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

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

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

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

贝版的投资成绩绝非偶然

来源: PAreader 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- ♂ (0 bytes) (4 reads) 02/05/2020 postreply 00:12:43