Does Good Debt Really Exist?

NewLynnHse

看了这篇文章, 想问问大家有什么想法. 尤其是房子.

http://www.bargaineering.com/articles/good-debt-exist.html

Your House

There’s this misconception that a home isn’t like a car or a TV. A home is an investment, say the pro debt people but 2008 to 2011 proves that no investment is a good investment if the money can’t be reinvested in to something else that makes money. Even if your home is worth more now than when your purchased it, unless you can get to that profit and reinvest it in to something that makes money, your home hasn’t appreciated at all. Could you sell your home for its appraised value and how would it be on the market? Unfortunately, all of us who have never missed a mortgage payment are competing with the large number of beautiful foreclosed homes listed at bargain basement prices. (Luckily, that trend is starting to subside)

The only way we could call your home a good debt is if you didn’t live in it and you were renting it at a profit or showing positive gains by buying properties cheaply, fixing them up, and selling for a profit. If you’re living in your home, it’s an expense and for most people the expenses of their home are higher than the appreciation of its value.

阿海

Home is never an investment.

An investment is a house that you don't live in, but rent out.

It's clearly spelled out in Rich Dad Poor Dad by Robert Kiyosaki.

Back to topic.

Of course good debt exists, how else could I afford a portfolio of rental properties =)

NewLynnHse

斑竹, 请问你的 rental properties 都是 positive cashflow 吗?

Hisoka

金钱本身只是一个人与人之间交换资源的替代品。

但是当有人把债务这个想法加进去后，就出问题了。

Ardell假睫毛

买房“投资”给家人创造一个甜美的居住环境，对我来说这也是投资的一种，只是不是纯粹为了钱钱的投资。

阿海

NewLynnHse 发表于 2011-10-18 12:56
斑竹, 请问你的 rental properties 都是 positive cashflow 吗?

当然，并且是100%+finance情况下。

NewLynnHse

Hisoka 发表于 2011-10-18 15:57
金钱本身只是一个人与人之间交换资源的替代品。

但是当有人把债务这个想法加进去后，就出问题了。

倒是。现在挺多经济都是由债务推动的，大多数钱只是电脑屏幕上的数字，没有实际资产做后盾。

NewLynnHse

Ardell假睫毛 发表于 2011-10-18 17:00
买房“投资”给家人创造一个甜美的居住环境，对我来说这也是投资的一种，只是不是纯粹为了钱钱的投资。

嗯。。。这也算一种“投资”吧，很多人可能也是因为这个而买房。

NewLynnHse

阿海 发表于 2011-10-18 21:43
当然，并且是100%+finance情况下。

真好，我想这就是所谓的leverage吧，也算用别人的钱，替自己工作。

阿海

NewLynnHse 发表于 2011-10-19 08:34
真好，我想这就是所谓的leverage吧，也算用别人的钱，替自己工作。

对啊，所以我的回报率是无限的，因为我1分钱没花