分類彙整:book review

上級國民/下級國民-讀書心得

上級國民/下級國民:當加薪、買房、搭郵輪、談戀愛、休長假永遠與你無關,還能怎麼辦?
(博客來)

受到全球化、自由主義影響。大家理想上的目標一致都想追求更自由、更富有、更幸福,,但也因為這些因素人們被迫分成上級國民、下級國民,從美國白人中產階級瓦解、日本繭居族、歐美日台厭女男性變多等,不同階級抗爭的情形全世界到處都在發生中,如果事情已經演變成如此,人民該如何面對未來呢?作者橘玲認為沒有適用任何人的方式,但今後的工作趨勢會演變成靠抽象知識、名譽來謀生。而跟不上潮流的,僅能靠民主政治來處理類似民粹主義的問題

無論個人到底是處在哪一階層,要設法找到模式維生,若有機會向上流動看看上層風景,給自己一點啟發,遇到與你完全不同背景立場的人,多點同理心思考包容,或許當不成好友,但至少不要因此多一個敵人。

像有錢人學習用錢習慣

有錢人的用錢習慣就是和你不一樣

有錢人的用錢習慣就是和你不一樣」作者本身是位財務顧問,書裡作者將有錢人(資產1億日幣以上)分成4種類型:繼承家產、節省、投資型、薪資高,扣除掉繼承家產成為有錢人的模式無法學習這一類型,讀者能從書中學習透過另外3種成為有錢人所需要的能力特質 

透過節省成為有錢人: 

  • 增加收入來源 

假設本身已有伴侶對象的話,雙方最好都透過工作增加收入來源減少風險,單方的經濟能力收入需高於2人間的用錢支出,若剛好另一半因故無法繼續工作,另外一位的收入可以為家庭帶來保障,而伴侶間會常常共商家計大事 

  • 透過記帳設法減少固定支出 
  • 趕走變成窮鬼的心態: 
  1. 虛榮心:無法抗拒想買好東西慾望,感覺使用後會變得完全不同,即使旁人覺得完全是異常的購買行為 
  2. 在意別人目光: 例如大家都買了,只有我沒有買會不會很奇怪,在業務員強力推薦,不想被當成拒絕往來戶 
  3. 只享受當下:不考慮經濟能力喜歡就買,而忽略行動後可能衍生出的成本 

投資者類型的特質: 

擅長從數字角度分析事務,傾向以投資,而不是消費的角度來購買東西,例如購買房子租給別人,而不是買給自己居住,因為這樣利潤比較高;常常投資的項目(股票、債卷、基金等等)跟大部分的投資人差不多,不過很擅長抓準時機點買進賣出,風險控管方面寧願遇到小賠但不會讓致命性的危機發生,再透過槓桿原理大撈一筆,即使失敗虧錢,也能藉由失敗獲取教訓,下次再重新出發。 

另外注重伴侶的金錢價值觀,不喜歡面不改色就消費的女性,會找踏實的另一半,而非注重外表居多,孩子教育方面跟省錢型的差不多,最大一點的差異是投資型的會不惜花大錢讓孩子出國讀書 

透過高薪成為有錢人 

  • 讀好學校、近好公司的成功模式雖隨著時代變動重要性越來越低,有錢人由於金錢有餘裕還是會不惜在小孩子教育上做投資 
  • 學生時代道路或許是由父母親幫忙鋪路,這些人長大後相當擅長解讀時代脈絡,解讀變化趁早採取行動 
  • 讓別人幫你工作 
  • 高收入但過著樸實生活 

金錢想變得更多就要向有錢人學習,有錢人對於金錢的思考模式相當與眾不同,但當我們仔細思慮後會發現,他們非常了解資本主義真理、金錢流動架構,一般人在嘗試模仿過程中或許會遇到許多失敗挑戰,但是每當一一克服後會培養出許多過去沒有的能力 

What I’ve learned from the book “The Most Important Thing” by Howard Marks

The author, Howard Marks, is known in the investment community for his “Oaktree memos” to clients which detail investment strategies and insight into the economy.

Quotes From The Most Important Thing:

  • What distinguish successful investors from normal ones is how they behave in circumstances to which their style is not mostly well-matched.
  • Avert mistakes that are usually led by other investors’ lack of caution, laborious effort, and the stock’s swift pendulum move.
  • Top investors sometimes misjudge things; however, they do right most of the time.
  • People often think they could predict the future, assuming the world can be modeled by merely using sequential steps. Fewer people know what lies ahead, but we could know where we are by observing the people around us. Therefore, devoting your time to learn things others don’t.
  • When speaking to risk management, we avoid doing the wrong things rather than doing the right things.
  • The well-known quote “Don’t put all your eggs in the same basket” does not imply that holding different elements are better. Diversification works only if they react differently to a given circumstance.
  • It takes time to prove your decision are right.
  • Resisting excessive profits is an imperative attribute for a lot of successful investors.
  • Critical thinking must overcome emotional feelings.
  • Something about contrarianism: Contrarianism can help prevent risks, but it doesn’t make a profit all of the time. Standing against the crowds is not enough. You must  figure out why the crowd is mistaken based on reasons and make a profit from the mistakes the crowd is making.
  • It can be dangerous to use leverage to buy more assets that provide low returns and narrow risk spreads.