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投資理財、FIRE、Fat Fire大概是最多人有興趣的話題，但我今天要分享的主題是很掃興(?)的：美國投資理財“稅務”議題🤣
美國萬萬稅真的不是在開玩笑，尤其經過去年美股熔斷4次、後面又各種瘋狂攀升，投資人們很多都賺得盆滿缽滿。但短線內密集操作就會有：Short-Term Capital Gain、還有Wash-Sale Rule損失無法馬上認列的問題。
到最後可能賺得多、繳稅也多。曾經看到某論壇分享：小明在2020年瘋狂賺錢（都是短期資本利得，省不了稅），2021年繼續投入但市場不比2020，一波騷操作下來繳完2020欠的稅＋2021虧損的，幾乎打成平盤出場，簡直一場遊戲一場夢。
雖然投資主要考量不是稅務，但還是要了解可能風險跟費用，才能更正確的評估投資成本。
Open note to the world:
In this dark time, we who are of faith are not disheartened. In fact, we are looking up and excited because it means our redemption draws near.
“Now when these things begin to happen, look up and lift up your heads, because your redemption draws near.”” (Luke 21:28 NKJV)
One day, possibly in the near future, all Christians who believe and confess Jesus Christ as their Lord and Savior, as well as young children, will vanish simultaneously from the world.
The world will search and not find them. Do not be alarmed because it means the Jesus has come back to receive His church in the air.
“For the Lord Himself will descend from heaven with a shout, with the voice of an archangel, and with the trumpet of God. And the dead in Christ will rise first. Then we who are alive and remain shall be caught up together with them in the clouds to meet the Lord in the air. And thus we shall always be with the Lord.” (I Thessalonians 4:16-17 NKJV)
If you miss that event which we term “the Rapture”, you will have to wait seven years before you get to see Jesus again.
The seven years period called “the Tribulation” will be a terrible time for the world. A dictator the Bible calls “the Antichrist” and “the Beast” will rule the world with harsh marshal laws and persecution of Jews and Christians.
Cataclysmic disasters and plagues will befall this earth on an unprecedented scale. Most importantly, do not receive “the mark of the beast” on your right hand or forehead, if not you will be doomed to suffer in the lake of fire (a permanent version of Hell) forever. You will know what the mark is after it is introduced after the Rapture happens.
“Then a third angel followed them, saying with a loud voice, “If anyone worships the beast and his image, and receives his mark on his forehead or on his hand, he himself shall also drink of the wine of the wrath of God, which is poured out full strength into the cup of His indignation. He shall be tormented with fire and brimstone in the presence of the holy angels and in the presence of the Lamb. And the smoke of their torment ascends forever and ever; and they have no rest day or night, who worship the beast and his image, and whoever receives the mark of his name.”” (Revelation 14:9-11 NKJV)
When all these things happen, you will know that the words in this note are true. At that time, believe and confess Jesus Christ as your personal Lord and Savior, and hold on to that confession no matter how tough things get. We will see you again after the seven years, when Jesus returns with us to save Israel from destruction!
God loves you so much that He sent His only begotten Son to die on a cross as an atoning sacrifice for your sins. Our God is a righteous and holy judge who has to punish sins, but He does not want you to be punished. Jesus is the only way you can be saved.
Do you want to accept Jesus Christ as your Lord and Savior, and receive the precious gift of eternal life? I’m inviting you to say this prayer: https://www.miltongoh.net/miltons-blog/salvation
Episode #6: How to properly use your life insurance
https://www.youtube.com/watch?v=vBqGKcOeA5g
主持人：楊應超 第6集：拿保險當投資好嗎？
節目直播時間：週五 14點
本集播出日期：2020.10.16
⏭ 章節： 00:00 頻道片頭
00:07 開場
00:29 節目片頭
00:47 拿保險當投資好嗎？
14:04 Q＆A：早投資和晚投資的分別
21:04 請繼續提問：你活著不是為了工作，祝大家早日達到財務自由 23:16 節目片尾
📝 名詞補充：
1.Term Life Insurance：定期壽險
2.Whole Life Insurance：終身壽險
3.Cash Value：現金值
4.Long Term Care Insurance：長期看顧保險
5.Universal Life Insurance：綜合性人壽保險
6.Durable power of attorney：持久授權書
7.Inflation adjusted annuity：通貨膨漲年金
8.Rule of 72：72法則，幾年投資可以翻倍
9.ROTH IRA：羅斯個人退休金計劃
📚 參考書訊：《財務自由的人生：跟著首席分析師楊應超學華爾街的投資技巧和工作效率，40歲就過FIRE的優質生活》
主持人：楊應超
第一季－第13集：早日行動，財務自由不是夢
節目直播時間：週五 14點
本集播出日期：2020.12.04
⏭ 章節：
00:00 頻道片頭
00:07 開場
01:01 節目片頭
01:19 早日行動，財務自由不是夢
20:23 Q＆A：善用Podcast來提升自己的知識
35:58 節目片尾
36:25 頻道片尾
📝 名詞補充：
1. 4% rule：百分之4法則，存到每年花費的25倍，每年可以花費4%退休
2. 退休存錢率：存20%可以37年，40%可以22年，50%可以17年退休
3. 資產配制：建議一半高風險高回報(例如股票)，一半低風險低回報保本(例如債券)
4. 今年的ETF回報：DIA(4%)， SPY(13%)，QQQ(41%) 如果各1/3，平均回報有19%
5. 今年的被動收入：假設股票債券各一半，債券1%回報，今年平均有10%回報，超過4%法則需要的7%回報(花4%然後3%放回去應付通貨膨漲)
6. Geo-arbitrage：住在消費低的地方退休
7. No Free Lunch：沒有免費的午餐，沒有報明牌這個東西
8. Never too late：開始去行動，永遠不嫌晚
9. Capital Group Study：長期的股票投資都會賺錢
10. Health and Happiness：別忘了健康和快樂的終極目標
11. Growth and Contribution：拿成長和貢獻鼓勵自己
12. Framework：看事情的一個框架
13. Podcast建議：新聞(ABC, NBC, CBS, FOX)，投資(CNBC,Bloomberg,Jim Kramer,Squawk Box,Clark Howard,Jill on Money,Motley Fool)，健康(防彈咖啡, Dave Asprey)，個人成長勵志(Zig Ziglar, Tony Robbins)
14. Audiobook：有聲書
15. 建議讀的報紙雜誌：Business Week，Forbes，Fortune，Financial Times，Wall Street Journal，遠見，天下，商週，今週刊
📚 參考書訊：《財務自由的人生：跟著首席分析師楊應超學華爾街的投資技巧和工作效率，40歲就過FIRE的優質生活》 https://eslite.me/w24ad
#楊應超 #財務自由 #FIRE
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訂閱【豐富】YouTube頻道：https://www.youtube.com/c/豐富
按讚【豐富】FB：https://www.facebook.com/RicherChannel
主持人：楊應超
第一季－第6集：拿保險當投資好嗎？
節目直播時間：週五 14點
本集播出日期：2020.10.16
⏭ 章節：
00:00 頻道片頭
00:07 開場
00:29 節目片頭
00:47 拿保險當投資好嗎？
14:04 Q＆A：早投資和晚投資的分別
21:04 請繼續提問：你活著不是為了工作，祝大家早日達到財務自由
23:16 節目片尾
📝 名詞補充：
1.Term Life Insurance：定期壽險
2.Whole Life Insurance：終身壽險
3.Cash Value：現金值
4.Long Term Care Insurance：長期看顧保險
5.Universal Life Insurance：綜合性人壽保險
6.Durable power of attorney：持久授權書
7.Inflation adjusted annuity：通貨膨漲年金
8.Rule of 72：72法則，幾年投資可以翻倍
9.ROTH IRA：羅斯個人退休金計劃
📚 參考書訊：《財務自由的人生：跟著首席分析師楊應超學華爾街的投資技巧和工作效率，40歲就過FIRE的優質生活》 https://eslite.me/w24ad
#楊應超 #財務自由的FIRE #保險與投資
-----
訂閱【豐富】YouTube頻道：https://www.youtube.com/c/豐富
按讚【豐富】FB：https://www.facebook.com/RicherChannel
ซื้อเกมได้ที่ https://store.epicgames.com/legendauser/far-cry-5
Farcry 5 ไทย Part 3 Grace มือ Sniper สาว
- Liberate The Cult Outpost
- Grace Under Fire
- Grace Armstrong
ฟาร์คราย 5 (อังกฤษ: Far Cry 5) เป็นวิดีโอเกมยิงมุมมองบุคคลที่หนึ่ง แอ็กชันผจญภัย พัฒนาโดยยูบิซอฟต์มอนทรีออล และจัดจำหน่ายโดยยูบิซอฟต์สำหรับเครื่องเพลย์สเตชัน 3 เพลย์สเตชัน 4 เอกซ์บอกซ์ 360 และเอกซ์บอกซ์ วัน และไมโครซอฟท์ วินโดวส์ เป็นเกมลำดับที่ห้าของเกมชุดฟาร์คราย เกมจะออกจำหน่ายในวันที่ 27 มีนาคม ค.ศ. 2018
The game is set in the fictional Hope County, Montana, where a preacher named Joseph Seed (portrayed by Greg Bryk) has risen to prominence. Seed believes that he has been chosen to protect the people of Hope County from an "inevitable collapse" and has established a congregation called Eden's Gate. Ostensibly, this is to fulfill his mission of leading the people to salvation; in reality, Seed is a radical preacher and Eden's Gate is a militaristic doomsday cult. Under his rule, Eden's Gate has used both coercion and violence to forcibly convert the residents of Hope County, and intimidation to keep them from contacting the outside world for help. When an attempt to arrest Seed ends with the deaths of several lawmen, the player is swept into the armed conflict between Eden's Gate and the remaining Hope County residents, who are organizing themselves into a resistance movement.
The player takes on the role of deputy , a sheriff's deputy who is part of the task force sent to Hope County to arrest Seed. Seed has assumed the title of "the Father" and maintains control over Hope County with the aid of his siblings, known as "the Heralds": Jacob, a former military officer who oversees their armed soldiers; John, a lawyer who has been able to acquire much of the land in Hope County for Eden's Gate; and Faith, who acts as a pacifist to bring the people to believe and trust in her older brother. The residents of Hope County opposed to Seed include a cast of characters who join the fight with motives ranging from altruism to revenge, profit and boredom
fire 4% rule 在 The 4% Rule for Retirement (FIRE) - YouTube 的推薦與評價
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