Re: [心得] 正確地思考債務
※ 引述《afflic (afflic)》之銘言:
: 如果有學過財務管理或公司財務的都知道
: 舉債的確可以增加整體價值
: 但同樣的舉債也有違約風險
: 大多數的公司破產不是因為虧錢
: 而是因為現金流軋不過來……
: 所以舉債不是不好
: 適當的舉債當然可以增加報酬
: 但怎樣算適當嘛……嗯……
: 或許大家可以集思廣益討論一下
: 怎樣叫適當的舉債??
會認為自己能正確舉債,能控制現金流的人,
很可能
1.沒經歷過金融風暴
2.沒被突然裁員過
3.沒考慮過,債務利率調升,同時間金流投報率不變或降低
4.沒有遭逢巨變而有重大支出
人生無常,每個人用錢的週期不同,
如果你的套利工具沒有風險,金融機構為何將錢借給你?
金融機構借錢給你就是他們的避險手段,你支付給金融機構固定的利差,並計畫著自己的
操作穩賺不賠,
與其使用槓桿並冀望永遠做對,
不如降低物慾,不使用槓桿,一樣也是財富自由,只是生活方式不同而已。
用手指點一點APP,雖然賺錢輕鬆,但是千萬不要覺得自己比既得利益者掌握更多資訊、
權利、聰明。
--
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