tag:blogger.com,1999:blog-74194662024-02-19T15:50:08.121+08:00杨子佑硕士 财福人生导师 Yong Chu Eu Money & Life Master这是杨子佑硕士的部落格,主要用于分享理财规划文章和智慧,媒体访谈,理财课程消息等等
This is Yong Chu Eu's Blog, to share on financial planning article and wisdom, media's interview and financial planning courses newsYong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.comBlogger1330125tag:blogger.com,1999:blog-7419466.post-31907576371635937672023-12-14T14:54:00.006+08:002023-12-14T14:54:48.647+08:00投资周刊-想生二胎还清房贷 夫妻要筹退休教育费 -星洲日报<p></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">投资周刊</span><span style="font-family: "Microsoft YaHei", sans-serif;">-<span lang="ZH-CN">想生二胎还清房贷 夫妻要筹退休教育费 </span>-<span lang="ZH-CN">星洲日报</span></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">理财师你好。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">我今年</span><span style="font-family: Lato, sans-serif;">35</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">岁,是一名执行人员,月薪</span><span style="font-family: Lato, sans-serif;">4000</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉;丈夫今年</span><span style="font-family: Lato, sans-serif;">40</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">岁,是销售人员,月薪</span><span style="font-family: Lato, sans-serif;">6000</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉。我们有一个女儿,</span><span style="font-family: Lato, sans-serif;">7</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">岁,计划这一两年再追一个儿子。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">我们都是穷苦人家出生,所以平常开销也很节省,目前每个月大概能存四五千令吉。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">可是一场疫情下来,我们的观念有些改变。我的丈夫在那段时间失了业,虽然有找几份兼职,但家里收入缺了一大块,也动用了紧急基金,幸好去年重新找到了比较理想的工作。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">我家的收支状况:</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">每月收入</span><span style="font-family: Lato, sans-serif;">1</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉;储蓄不到</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉(定期存款);每月开销:</span><span style="font-family: Lato, sans-serif;"><a href="https://www.pickastock.info/%E6%88%BF%E8%B4%B7" target="_blank"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">房贷</span></a>2500</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉(屋价</span><span style="font-family: Lato, sans-serif;">50</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万,贷款</span><span style="font-family: Lato, sans-serif;">30</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉,还有</span><span style="font-family: Lato, sans-serif;">20</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">年)、车贷</span><span style="font-family: Lato, sans-serif;">300</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉(还有</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">年)、保险</span><span style="font-family: Lato, sans-serif;">+</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">基金,每月供款</span><span style="font-family: Lato, sans-serif;">700</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉(信托基金已经供了</span><span style="font-family: Lato, sans-serif;">7</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">年,打算给孩子当教育基金);日常开销:</span><span style="font-family: Lato, sans-serif;">1500</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">2000</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉(包括所有杂费)。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">请问:</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="font-family: Lato, sans-serif;">1</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)我的家庭财务状况还可以吗?有什么缺漏?我们实在太害怕家庭财富又突然大缩水,有什么需要规划的?</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="font-family: Lato, sans-serif;">2</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)我们希望尽早还清房贷,所以现在如果有多点储蓄,都会供多一点钱,这个做法对吗?</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="font-family: Lato, sans-serif;">3</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)孩子的</span><span style="font-family: Lato, sans-serif;"><a href="https://www.pickastock.info/%E6%95%99%E8%82%B2%E8%B4%B9" target="_blank"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">教育费</span></a></span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">如何规划?如果要多一个孩子,需要准备多少钱?</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span style="font-family: Lato, sans-serif;">4</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)我们夫妻的退休又该如何规划?</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">瑶</span><span style="font-family: "Microsoft YaHei",sans-serif; mso-bidi-font-family: "Microsoft YaHei"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgY4-ThiKXi9TlFFXaQ0n2DNogpYDVjYf-nbzcCnmTbFwEgXJtEnVYlq_xmWtHpOwNj5I2jg7LOOv8SfGHrkD1y903IHpCtbsbii10fRCZC_w7MFN7EZ5AKVnyBK0OWNr-y3KLFVV7qCFx57n2al52c74obhBowu7S4QUm-fo6jV8hREHelJQCQ" style="margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img alt="" data-original-height="237" data-original-width="502" height="201" src="https://blogger.googleusercontent.com/img/a/AVvXsEgY4-ThiKXi9TlFFXaQ0n2DNogpYDVjYf-nbzcCnmTbFwEgXJtEnVYlq_xmWtHpOwNj5I2jg7LOOv8SfGHrkD1y903IHpCtbsbii10fRCZC_w7MFN7EZ5AKVnyBK0OWNr-y3KLFVV7qCFx57n2al52c74obhBowu7S4QUm-fo6jV8hREHelJQCQ=w426-h201" width="426" /></span></a></div><br /><br /><p></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">答:瑶女士,你好。根据你所给的资料,我整理了现金流表。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjfgJNjTylRfVUwlkaFR6atoXeaqnVCNST7w70qz-gNxIGG46pHM9hietrEAv7XGWVDjS-b6TzeMGfz1CG3-tDP6KtLA-0ywMH-jQUDdaGrpubotl4DODkl2W1w6ID98-4GKUpezD_BA5Bzq5uQSKctUO2dQU_ZXdMzh4gfYOYS60FA9nw0j3OY" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span style="color: black;"><img alt="" data-original-height="425" data-original-width="425" height="400" src="https://blogger.googleusercontent.com/img/a/AVvXsEjfgJNjTylRfVUwlkaFR6atoXeaqnVCNST7w70qz-gNxIGG46pHM9hietrEAv7XGWVDjS-b6TzeMGfz1CG3-tDP6KtLA-0ywMH-jQUDdaGrpubotl4DODkl2W1w6ID98-4GKUpezD_BA5Bzq5uQSKctUO2dQU_ZXdMzh4gfYOYS60FA9nw0j3OY=w400-h400" width="400" /></span></a></div><br /><br /><p></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">你和家庭的现金流是健康的,因为每月有</span><span style="font-family: Lato, sans-serif;">4500</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉左右的净现金流,只是追加一个儿子后,净现金流会相对减少的,至于多少就因人而异了。你的定存的</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉,是可以应付大概</span><span style="font-family: Lato, sans-serif;">9</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">个月的开销,这已经超过基本最少要有</span><span style="font-family: Lato, sans-serif;">3</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">6</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">个月的应急基金。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">所以,接下来需要做的会是,积极投资这一笔每月</span><span style="font-family: Lato, sans-serif;">4500</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉的资金,让它积极增值,这就需要看回你们夫妻两熟悉的投资工具,比如信托投资。我相信机器投资工具</span><span style="font-family: Lato, sans-serif;">——</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">智能投资平台(</span><span style="font-family: Lato, sans-serif;">RoboAdvisor</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)</span><span style="font-family: Lato, sans-serif;">,
</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">也非常类似,主要投资于国际交易所指数基金(</span><span style="font-family: Lato, sans-serif;">ETFs</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">),同时可以拥有更低管理费,也非常适合普罗大众,只需手机注册就能简单操作、管理和投资。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">目前大马有约</span><span style="font-family: Lato, sans-serif;">7</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">个智能投资平台供选择,是种懒人投资法,只需下载软件、注册、回答关键问题,定时汇入钱投资和检查回酬就行了,其他就有机器人代办。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhJWaXSOQWJaHWnj39LeQC4OP3xJl1aRNV8yp4sJ9w9gmWRgb-0QCoASM7q-tKH4DvFHcPbn93e62tZgmnhRkgnA9Thg9OJUn799z4hJFEmtqHJV3k6GT75srFplQTl3S_IYogUE7p7MgyESfc_FS15YRTZbZDvKlvVKouvtnKItOShvjnV-Fch" style="margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img alt="" data-original-height="565" data-original-width="1013" height="357" src="https://blogger.googleusercontent.com/img/a/AVvXsEhJWaXSOQWJaHWnj39LeQC4OP3xJl1aRNV8yp4sJ9w9gmWRgb-0QCoASM7q-tKH4DvFHcPbn93e62tZgmnhRkgnA9Thg9OJUn799z4hJFEmtqHJV3k6GT75srFplQTl3S_IYogUE7p7MgyESfc_FS15YRTZbZDvKlvVKouvtnKItOShvjnV-Fch=w640-h357" width="640" /></span></a></div><br /><br /><p></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-outline-level: 5;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">保守型可尽快还贷 </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">若想增值可投资</span><span style="font-family: Lato, sans-serif;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">关于是否应该先还清房贷的问题,一有储蓄就该积极还完贷款,这其实是因人而异,如果你是非常保守,有非常惧怕欠钱,因为贷款而常常担心害怕,而这一笔储蓄如果不还贷款,也只是存在定存,那可以选择尽快还完贷款。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">虽然如此,比较理性和划算的做法是计算,这一笔储蓄是存定存(回酬大约</span><span style="font-family: Lato, sans-serif;">3</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">4</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%)还是贷款(利息大约</span><span style="font-family: Lato, sans-serif;">4</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%)或者投资(回酬大约</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">7</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%),如果你的投资回酬超过</span><span style="font-family: Lato, sans-serif;">6</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%,那么每个月只要定时供基本贷款额就行了,不必急于还完贷款,如果储蓄只是毫无作为的放在定存,那么还是还完贷款更划算。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">以你们还年轻的状况,基本上是可以承受更高的风险,以便期待超过</span><span style="font-family: Lato, sans-serif;">8</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">9</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%的回酬,所以积极去投资会比较划算。至于简单但是非常重要的投资方法,请参考</span><span style="font-family: Lato, sans-serif;">8</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">月</span><span style="font-family: Lato, sans-serif;">7</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">日刊登在《投资致富》的财务分析</span><span style="font-family: Lato, sans-serif;">“</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">生首胎想换大屋,再贷款买屋明智吗?</span><span style="font-family: Lato, sans-serif;">”</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">再看孩子的教育费,其实在今年</span><span style="font-family: Lato, sans-serif;">1</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">月</span><span style="font-family: Lato, sans-serif;">16</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">日我的一个财务个案分析</span><span style="font-family: Lato, sans-serif;">“</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">已买</span><span style="font-family: Lato, sans-serif;">4</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">屋还想买厂,如何加强财务?</span><span style="font-family: Lato, sans-serif;">”</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">,有谈起如何规划孩子的教育费。主要还是根据孩子的情况和父母的期待来规划。出国读书(甚至哪个国家)还是本地(双联课程?政府还是私人?)?你的女儿目前是</span><span style="font-family: Lato, sans-serif;">7</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">岁,那么大概</span><span style="font-family: Lato, sans-serif;">18</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">或</span><span style="font-family: Lato, sans-serif;">19</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">岁时(有没有读中六,还是直接去私人学院/大学读</span><span style="font-family: Lato, sans-serif;">Foundation</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)就需要第一学期的教育开销。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-outline-level: 5;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-outline-level: 5;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">海外</span><span style="font-family: Lato, sans-serif;"> </span><span style="font-family: Lato, sans-serif;"> </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">教育费大不同</span><span style="font-family: Lato, sans-serif;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">如果本地读书,不管政府还是私人,都可以尝试去和政府借钱读书(</span><span style="font-family: Lato, sans-serif;">PTPTN</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">);至于出国,大概最少要有</span><span style="font-family: Lato, sans-serif;">100</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉或以上,真实数目,需要参考教育顾问(</span><span style="font-family: Lato, sans-serif;">Education Consultant</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)或该大学网站,但是前提是你们打算送孩子去那个国家,该国兑换率,什么科系和读多少年?</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">那么如果了解大约需要多少钱后,在准备这份教育费方面,需要为最坏的情况做准备</span><span style="font-family: Lato, sans-serif;">, </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">也就是在孩子还没有上大学时出现意外,比如自己不在了,无法继续储蓄和投资,钱可能没有准备足够。所以,需要买了最便宜,同时也是最大保障的保险</span><span style="font-family: Lato, sans-serif;">——</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">定期人寿保险(</span><span style="font-family: Lato, sans-serif;">Term Insurance</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)</span><span style="font-family: Lato, sans-serif;">, </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">保额就是总共需要的教育费比如</span><span style="font-family: Lato, sans-serif;">100</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉,确保教育费不会因为自己不在,而被牺牲,用保险来保住孩子的教育费是为最坏的情况做准备。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至于最理想的状况莫过于,积极储蓄投资至孩子需要教育费时,钱已经准备好了,同时看到孩子学有所成,家庭美满。我相信大部分人都有马银行户头(我相信其他银行应该也是有类似工具,方便模拟推算)</span><span lang="ZH-CN" style="font-family: Lato, sans-serif;"> </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">,当你登录该网络银行平台里,可以选择</span><span style="font-family: Lato, sans-serif;">Wealth Generator, </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">然后计算你的财务目标。我用你的个案来计算你的女儿的教育费,在新加坡读医生系,你大概需要大约</span><span style="font-family: Lato, sans-serif;">232</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万</span><span style="font-family: Lato, sans-serif;">7173</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉。要准备这一笔钱,你就需要每个月投资</span><span style="font-family: Lato, sans-serif;">8727</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉在激进的投资工具(每年回酬大约</span><span style="font-family: Lato, sans-serif;">8.5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%)。</span><span style="font-family: "Microsoft YaHei",sans-serif; mso-bidi-font-family: "Microsoft YaHei"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgVQhzoo-XCY40V2NnjsJumV7pjvY2EmkQHeYpCZznqqmXIeHfnb2JA7MSwg9xcuwpo9mEuSRGcwq5TECdNvx4JRtgfF73MyP-OSTES9GmXJiYwvhNZiTeOVv0osEO5pFI6Zma-exy59ZD46uKlZP7zgm0hbmBDN1XIUYDYDe86JSjV2AZIBOXi" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="808" data-original-width="1400" height="370" src="https://blogger.googleusercontent.com/img/a/AVvXsEgVQhzoo-XCY40V2NnjsJumV7pjvY2EmkQHeYpCZznqqmXIeHfnb2JA7MSwg9xcuwpo9mEuSRGcwq5TECdNvx4JRtgfF73MyP-OSTES9GmXJiYwvhNZiTeOVv0osEO5pFI6Zma-exy59ZD46uKlZP7zgm0hbmBDN1XIUYDYDe86JSjV2AZIBOXi=w640-h370" width="640" /></a></div><br /><br /><p></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto; mso-outline-level: 5;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">创造被动收入</span><span style="font-family: Lato, sans-serif;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">最后问起退休规划,其实有一句说得好,如果你做你喜欢做的,你压根都不是在工作,何需谈几时退休呢?那回归现实的说,如果你已经有被动收入,足以应付你的舒适生活,你还会工作吗?大部分会说不会,但是会做自己想做的事,那么重点就在被动收入,对吗?如果不考量第二个孩子的出现,你的每个月开销是大约</span><span style="font-family: Lato, sans-serif;">5500</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉</span><span style="font-family: Lato, sans-serif;"> , </span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">目前你的定存大约</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉,如果当你的定存到达</span><span style="font-family: Lato, sans-serif;">165</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万令吉,放入定存(目前利息大约</span><span style="font-family: Lato, sans-serif;">4</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%),那每年你有大约</span><span style="font-family: Lato, sans-serif;">6</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">万</span><span style="font-family: Lato, sans-serif;">6000</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">令吉利息回酬,基本上可以应付你的基本开销,其实你已经财务自由或退休了。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">市场上是有非常保守的投资工具比如产托(</span><span style="font-family: Lato, sans-serif;">REITS</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)、债券、公积金、政府信托等等可以给你大约</span><span style="font-family: Lato, sans-serif;">5</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">至</span><span style="font-family: Lato, sans-serif;">6</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">%的回酬,那么所需要的本金就更少了,不是吗?所以,重点在不停学习,扩展人脉,加强赚钱能力,拥有更多机会,然后转换成被动收入。瑶女士不妨参考我的另外一个财务分析个案在今年</span><span style="font-family: Lato, sans-serif;">3</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">月</span><span style="font-family: Lato, sans-serif;">6</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">日刊登在《投资致富》,题目为</span><span style="font-family: Lato, sans-serif;">“</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">投资小有成,备儿教育费,中年夫妇规划提早退休</span><span style="font-family: Lato, sans-serif;">”</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">来得到更多灵感和概念。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">你也可以用马银行的</span><span style="font-family: Lato, sans-serif;">Wealth Generator</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">计算你的退休所需,你只是把你的理想退休年龄(</span><span style="font-family: Lato, sans-serif;">Target
Retirement Age</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)、退休时的每个月开销(不妨用你目前的平均月开销,</span><span style="font-family: Lato, sans-serif;">Estimated Monthly Expense After
Retirement</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">)和多少年的退休生活(</span><span style="font-family: Lato, sans-serif;">Years of My Savings Last for</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">),当点击</span><span style="font-family: Lato, sans-serif;">“</span><span style="font-family: Lato, sans-serif;">Start Simulation</span><span style="font-family: Lato, sans-serif;">”</span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">后就可以看到所需</span><span style="font-family: Lato, sans-serif;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">退休金</span></span><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif;">数额和需要每个月投资的数额,同时可以自由调制投资风险的高度,也就是投资相关回酬。</span><span style="font-family: "Lato",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-font-kerning: 0pt; mso-ligatures: none;"><o:p></o:p></span></p><p class="MsoNormal" style="background: white; line-height: normal; mso-margin-bottom-alt: auto;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhroXvv_GPcA_OKZh-1nf_cfi91JKIDLqpGVrehOIAWgHTX-AFrYO8gQh82MFh_pYgCq5fQDfjT6eVfXuIFs--nFniZG5fdpHfSMZsil7aUJHRWjQUZ_lMa61-dihejxpK8sGYcDaVUubrhiRqYEDFOoY0AyDodyy8_yxk4lophdu1aRfo9VqBA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="740" data-original-width="1427" height="332" src="https://blogger.googleusercontent.com/img/a/AVvXsEhroXvv_GPcA_OKZh-1nf_cfi91JKIDLqpGVrehOIAWgHTX-AFrYO8gQh82MFh_pYgCq5fQDfjT6eVfXuIFs--nFniZG5fdpHfSMZsil7aUJHRWjQUZ_lMa61-dihejxpK8sGYcDaVUubrhiRqYEDFOoY0AyDodyy8_yxk4lophdu1aRfo9VqBA=w640-h332" width="640" /></a><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhroXvv_GPcA_OKZh-1nf_cfi91JKIDLqpGVrehOIAWgHTX-AFrYO8gQh82MFh_pYgCq5fQDfjT6eVfXuIFs--nFniZG5fdpHfSMZsil7aUJHRWjQUZ_lMa61-dihejxpK8sGYcDaVUubrhiRqYEDFOoY0AyDodyy8_yxk4lophdu1aRfo9VqBA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><span lang="ZH-CN" style="font-family: "Microsoft YaHei", sans-serif; text-align: left;"><br /></span></a><br /></div><p></p><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></div><div><span style="font-family: Microsoft YaHei, sans-serif;">投资周刊-想生二胎还清房贷 夫妻要筹退休教育费 -星洲日报</span></div><div><span style="font-family: "Microsoft YaHei", sans-serif;"><br /></span></div><div><span style="font-family: "Microsoft YaHei", sans-serif;">https://www.sinchew.com.my/news/20230911/finance/4970541</span></div><div><span lang="ZH-CN"><span style="font-family: Microsoft YaHei, sans-serif;"><br /></span></span></div><div><span lang="ZH-CN"><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问诊</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#星洲日报</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84%E5%91%A8%E5%88%8A?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资周刊</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#保险</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%88%A9%E6%81%AF?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#利息</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BA%8C%E8%83%8E?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#二胎</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%BF%98%E6%B8%85%E6%88%BF%E8%B4%B7?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#还清房贷</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%88%BF%E8%B4%B7?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#房贷</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2%E8%B4%B9?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育费</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#退休</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/sinchew?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#sinchew</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> </span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylife?__eep__=6&__cft__[0]=AZU2R6ysMvVA8I_2UGUVOZ6-NiwTJI54I9A_fHz0lKoOhvTEOOgL-PJxnS_S6qICZj1EOcskeXrkGXdBc2mYs7GWpNuouw5V_BVSvKNVbi7DkIrZwW3_c4J6ScVqPE8pX2erUF_RFsQ3dqo7dg3lh_0x-pop9ePKtxp3qhLe4syoOZtc6jH8vxpv0Z0uTFjj9HM&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylife</a></span><span style="background-color: white; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; white-space-collapse: preserve;"> #finance #financialplanning #saving #investment #education #retirement #kid #loan</span></span></div><br /><p></p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-20745245816227064622023-12-14T14:26:00.001+08:002023-12-14T14:26:02.172+08:00财富问诊 | 越堤族回大马退休 多少钱才够?星洲日报<p> 财富问诊 | 越堤族回大马退休 多少钱才够?星洲日报</p><p><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">你好,我是小明。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">我目前在新加坡工作,月收入扣除CPF后3500新元,妻子3000新元。暂时没有小孩,每天通勤来回新柔,目前新山自住房每月月供2200令吉,还需20年供,每月开销4800~5000令吉(个人保险、父母、水电、衣食、汽油等),PTPTN和汽车已经供完。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">目前拥有存款5万,投资30万股票蓝筹股每年平均8~10%回酬。</span></span></p><div data-widget_id="V7a1WLz7" id="dablewidget_V7a1WLz7" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">请教以下问题:</span></span></p><div id="anymind-mid2" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">1. 想在明年要个小孩和50岁退休。不知道能不能实现?</span></span></p><div id="adasia-mb-mrec2" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><div id="AnyMind_PC_RecII" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">2. 想把一半蓝筹股资金转换到美股投资。</span></span></p><div class="read-more-wrapper" style="background-color: white; box-sizing: border-box; text-align: justify;"><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">3. 40岁在新山购入一间投资房产,收取被动收入。</span></span></p><div id="anymind-mid3" style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px;"></div><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">4. 45岁回大马工作,准备退休。</span></span></p><div id="adasia-mb-mrec3" style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px;"></div><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">谢谢。</span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjkp_AwQ6f1cbwy1VuJAo_kU7KywX6VkV0NSXgiInRlgHH94GU99_J4Xpbu5LcE_wCeM_be5i74zvhOgU-a6qyKYcLgNJ94hBgYIQ-Zn_UPzZOIaH8giJBkjRJrcXpLlA_KRl_e3mhHTh6hmpz2q9iIQZgbbQNd0j6Zj8aFVVOpWCaFKjRzKzkw" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="302" data-original-width="394" height="307" src="https://blogger.googleusercontent.com/img/a/AVvXsEjkp_AwQ6f1cbwy1VuJAo_kU7KywX6VkV0NSXgiInRlgHH94GU99_J4Xpbu5LcE_wCeM_be5i74zvhOgU-a6qyKYcLgNJ94hBgYIQ-Zn_UPzZOIaH8giJBkjRJrcXpLlA_KRl_e3mhHTh6hmpz2q9iIQZgbbQNd0j6Zj8aFVVOpWCaFKjRzKzkw=w400-h307" width="400" /></a></div><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /><br /></span></span><p></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><div class="news-container" style="box-sizing: border-box; text-align: left;"><div class="content text-justify" style="box-sizing: border-box; margin: auto; text-align: justify !important; width: 795.969px;"><div class="read-more-wrapper" style="box-sizing: border-box;"><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;">■新山买屋收租</h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">小明,您好。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">根据目前所掌握的资料,其实,你们夫妻两的财务状况是健康的,因为你有1万5000多的净现金流,同时,贷款仅占收入的9.8%。这也意味着你还可以贷款买多一间房子,不必等到40岁,用来收租金。虽然如此,收租金的房子,和买来自住是不同部署,一定是在热门和热闹的地点(理想地点还是大城市、首都、旅游景点,国际学生和外企高层热爱居住的地点),会贵,但是非常容易出租或卖出。这需要时间去做功课,同时有时间不妨多约几位当地房地产代理聊聊,听取不同看法。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">在还没有下手前,到当地住几天考察和询问,是很好的方法,不管是买来住或租。和短租公司合作,来帮你管理房子出租事项,也是不错的选择。这就回答了你的第3道问题。</p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;">■明年要孩子</h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">在第1道问题里,你问是否明年可以要孩子,其实,养育一个孩子的开销是因人而异,而大致上的计算,你每个月大概需要大约1000~2000令吉,在你们两的财务状况是不会负担的,只是,准备健康的身体来怀孕、怀孕中的胎教,以及孩子出生后的照顾和教育,都需要认真去思考和准备。还有一项AIA的数据,养大一个孩子直到大学,包含生产费、教育费等,大约是44万至110万令吉。有位家长住吉隆玻,在2022年分享在CompareHero说,她一年花大约18万令吉在婴儿的各式各样开销上。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">在问说能不能50岁退休,你没有说明目前岁数,所以,姑且设定目前为38岁。 鉴于没有你们的CPF资料,同时你的屋子,因为是自住,所以就不计入你的退休规划里。如果,把孩子的开销算入,大概你的每月开销是9200令吉。如果计算50岁退休,活到80岁,通货膨胀率5%,30年的退休生活需要总共797万令吉(50岁时)。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">以目前拥有存款5万和30万股票,虽然有每年平均8~10%回酬,但是12年后也只是84万3799令吉(保守每年用9%回酬)。如果也把每个月盈余的1万3225令吉投资蓝筹股票,每年回酬9%,12年后,你会得到199万令吉,还是不够797万令吉,退休所需。建议延迟退休年龄,以及把每个月开销拉低,这样所需的退休金就会相应减少,同时拥有更多盈余投入投资。</p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;">■资金转去投资美股</h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">至于第2道问题,是否该把一半蓝筹股资金转去美股投资。我是没办法直接回答,毕竟,我不懂你对美国股票是否有研究,如果有,也不该一次性转换,是分次转换。投资的原则还是要分散投资,不该专注某个国家、公司或行业,因为每个国家、公司和行业都会有周期循环,就如当全部人一窝蜂涌入投资印尼时,那时资产已经相当昂贵,同时也可能接近泡沫,你也跟着追高,很多时候被套在高价格,很难获利,当该国的经济进入不景气时,你所投资的,也很难获利,除非你可以慢慢累计,把成本拉低,然后,长时间等待。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">投资美国股市,也有一定的风险分散,在于其500强大公司已经在全球部署,赚全世界的钱,只是,美国目前债务非常严重,国家两党和人民分裂严重,社会问题也相当严峻,美国的科技优势、人才和美金也在慢慢失去超强光环。美国和西方国家珍贵的金融行业也因为俄乌战争,失信于全球。未来的超级强国会是中国,未来的国际金融中心会是在东方──香港和新加玻。这些都需要考虑在你的投资里面。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">你的蓝筹股投资回酬8~10%是相当不错的,只是还需要了解自己的风险喜好(通过问卷),来确认自己目前所着重的投资组合是否太过激进或保守。</p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;">■45岁回大马工作,准备退休……</h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">最后,提起45岁回到大马工作,准备退休。很多新加坡人或在新加坡工作的人都有打算退休时回来马来西亚居住,因为大马是其中一个国际最热门的退休热点。我听说,现在有些工作不必到新加坡办公,可以在柔佛在家工作,薪水是少一些,但是考虑奔波的劳累,是值得的。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">如果,没有类似的安排,那么,需要找可以同时应付孩子、日常开销和退休规划的工作(目前开销7200令吉 + 孩子的大约开销1000~2000令吉),柔佛的生活开销可不低,同时这样的安排,也该是渐近式的,也就是夫妻一个接一个的转回马来西亚工作。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">其实,这个方式,感觉不容易找到合适工作可以兼顾,反而,在新加坡赚足退休金,然后直接回来大马退休,可行性比较高。这些建议纯粹只是从理财的角度出发。以前我很多打算短期在新加坡工作,赚够钱就回来马来西亚工作的朋友,目前都还在新加坡工作。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;">财富问诊 | 越堤族回大马退休 多少钱才够?星洲日报</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;">https://www.sinchew.com.my/?p=5070968</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问诊</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#星洲日报</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%AA%E4%BA%BA%E8%B4%A2%E5%8A%A1%E5%88%86%E6%9E%90?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#个人财务分析</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84%E5%91%A8%E5%88%8A?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资周刊</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#活用理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#职业</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#退休</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#保险</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%A4%B1%E4%B8%9A?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#失业</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> # 应急金 </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富传承</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financial?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financial</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialanalysis?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialanalysis</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/sinchew?__eep__=6&__cft__[0]=AZV-6BZs-uv78qieDmRCbpz3M8raGZT5GSOojy3nEAS6oV6mkmkuynjH4HJnz4VKL5xNMAt9hgS9MAHWwGdC7KxDcNO1cuWB8SstciS0JBCIRq9Nul3u7PLJSaKD0JuHyxCMvHcgdx3oxbewb98wz8LHFWa9zOsUYJoLdim3WaUXD1zv9RDcb87QGVwfdrfNn6XWnGxoLwMbACSU5QVFUfil&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#sinchew</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; text-align: start; white-space-collapse: preserve;"> #personalfinance #financialplanning #newspaper #biz #finance #invest #retrenchment #emergency #money #cash</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;"><br /></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p></div></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-49680374143168883442023-12-14T12:38:00.004+08:002023-12-14T12:38:53.152+08:00财富问诊 | 马币跌不休 想购房保值-星洲日报<p> <span style="background-color: white; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: large;">财富问诊 | 马币跌不休 想购房保值-星洲日报</span></p><div><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;"><span style="font-size: 40px; font-weight: 500;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhFjhc1wd5SBuRcmzJRR_8OzVcpCoChRgiSqvgVck4v-0w6W_n941AaRG-FBW7Us89b8tVR_FOarDUMrWlFvt1PbsUsrd3SYv7tRjWA7cIgoAp6Yossl-8vLm6aLOHGp4PBD-58OGfT-7qVZwZNRkhCCvFObv-1zCUvX17h-La6Px0oOWTo4PYw" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="394" data-original-width="700" height="360" src="https://blogger.googleusercontent.com/img/a/AVvXsEhFjhc1wd5SBuRcmzJRR_8OzVcpCoChRgiSqvgVck4v-0w6W_n941AaRG-FBW7Us89b8tVR_FOarDUMrWlFvt1PbsUsrd3SYv7tRjWA7cIgoAp6Yossl-8vLm6aLOHGp4PBD-58OGfT-7qVZwZNRkhCCvFObv-1zCUvX17h-La6Px0oOWTo4PYw=w640-h360" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><p style="background-color: white; box-sizing: border-box; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: maroon;">您好,我是贵栏长期读者。</span></p><p style="background-color: white; box-sizing: border-box; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: maroon;">代友人请教财务专家指导其财务情况,要改良或优化的地方。(他受英文教育)</span></p><p style="background-color: white; box-sizing: border-box; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: maroon;">他57岁,单身,疫情后进入退休情况,除了租金,没有其他收入,每月开销2000。另有房贷每月1900,尚欠9万。</span></p><div data-widget_id="V7a1WLz7" id="dablewidget_V7a1WLz7" style="background-color: white; box-sizing: border-box; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: maroon;">1.排屋还清,租金800,市值35万</span></p><div id="anymind-mid2" style="background-color: white; box-sizing: border-box; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: maroon;">2.公寓租金500,市值12万</span></p><div id="adasia-mb-mrec2" style="background-color: white; box-sizing: border-box; font-size: 16px; text-align: justify;"></div><div id="AnyMind_PC_RecII" style="background-color: white; box-sizing: border-box; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: maroon;">3.排屋(自住)市值75万</span></p><div class="read-more-wrapper" style="background-color: white; box-sizing: border-box; font-size: 16px; text-align: justify;"><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">4.店屋租金2500 ,市值90万</span></p><div id="anymind-mid3" style="box-sizing: border-box;"></div><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">5.地皮6片,市值250万</span></p><div id="adasia-mb-mrec3" style="box-sizing: border-box;"></div><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">6.车还清贷款</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">A.股票 20万</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">B.基金 10万</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">C.公积金40万</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">D.外币市值50万</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">E.定期 130万</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">也请教</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">1.如再买一间店屋,70万左右,以收租,是否明智?因<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.sinchew.com.my/tag/%e9%a9%ac%e5%b8%81/" ref="www.sinchew.com.my/?p=5134257" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="马币">马币</a></span>跌跌不休。</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">2.没有任何保险。</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">3.他想在未来的十多年内,每年投入10万于公积金,可行吗?或有更好建议?</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">感恩</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: maroon;">TT</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEipFjNXAhjQe77e9UPyLjRwdXxdmo9vjJRYH29QABC08zsrsMuYtXjupa360eZPeGCLoW1Y0DFeXB_OCRM0DNpJNck91Ol5f5I9-1X9PNbvqhonaLe0hF7S2q0-pW7dxdtaMm5qbz3dGBi21Hzcg0ZroYpmayhZJP65A6h6tVu65mKkBUjsjwKQ" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="181" data-original-width="349" height="208" src="https://blogger.googleusercontent.com/img/a/AVvXsEipFjNXAhjQe77e9UPyLjRwdXxdmo9vjJRYH29QABC08zsrsMuYtXjupa360eZPeGCLoW1Y0DFeXB_OCRM0DNpJNck91Ol5f5I9-1X9PNbvqhonaLe0hF7S2q0-pW7dxdtaMm5qbz3dGBi21Hzcg0ZroYpmayhZJP65A6h6tVu65mKkBUjsjwKQ=w400-h208" width="400" /></a></div><span style="box-sizing: border-box; color: maroon;"><br /><br /></span><p></p></div></div></span></span><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">答:</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">TT,</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">你好,TT,非常感谢你长期以来对我们的支持。针对你朋友的财务情况,我将提供一个基于所提供信息的财务概览和一些专业建议。根据你给与的资料,我就把它整理成现金流表和资产负债表如下:</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px; text-align: justify;">TT友人的现金流表 (月度)</h5><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">收入</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">TT友人排屋的租金收入 800</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">TT友人公寓的租金收入 500</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">TT友人店屋的租金收入 2500</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">总收入 3800</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">支出</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">日常开销 2000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">房贷 1900</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">总支出 3900</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">净现金流量(总收入-总支出) -100</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">目前,你的友人的现金流虽然是负的,但是数额不大,才100。只要稍微调整日常开始,基本上不难达到收入和支出的平衡,所以是健康的,这时基本上可以说你的友人已经达到财务自由了,因为他的收入是租金,是被动收入,同时数额足以应付日常开销,所以,算是财务自主了,恭喜,恭喜。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px; text-align: justify;">TT友人的资产负债表</h5><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">资产</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">固定资产</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">已还清并出租的排屋 350,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">出租的公寓 120,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">自住的排屋 750,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">出租的店屋 900,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">6片地皮 2,500,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">总固定资产 4,620,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">流动资产</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">股票 200,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">基金 100,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">公积金 400,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">外币 500,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">定期存款 1,300,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">总流动资产 2,500,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">总资产 7,120,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">债务</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">房屋贷款 90,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">总债务90,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">净资产 (总资产-总负债) 7,030,000</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">在TT友人的资产负债表上,他拥有700多万的资产和区区的9万负债,似乎接近没有债务,其中以固定资产最多,占65%。其实,行业中都会建议,在接近和进入退休时,该慢慢的把流动不足的固定资产,转成流动资产,让它的比重占接近70至80%,但是,这项建议不见得可以适合每个人,这是主要考量固定资产在紧急需要大笔钱,或想脱手时不容易, 所以,你的友人确实可以考虑渐进式,慢慢把那些租金不理想的固定资产脱售,然后转去产托(Reits)。产托同样是房地产,同时还是优质房地产,由专业人士管理已经脱手容易。有些国家的产托同样吸引人,比如超级大城市如新加玻、香港及上海等等。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">还有一项保守建议就是,如果房贷的利息比定存高很多,比如超过1.5或2%,可以考虑把小部分定存拿来清掉房屋贷款,变成零负债,但是这样做,你的固定资产比重会加大。对保守的人来说,零负债是其梦想,因为没有心理负担,但是,对另外一类的人来说,反而觉得负债不是问题,甚至不打算还完贷款,因为有保险这个保护层,不会把债务留给下一代,只要每个月负担得起就行了。多数富豪都是通过负债来倍增财富的,当然是在计算风险过后,这种做法不是每个人都能接受。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">针对你的友人第一个问题,是否可以购买店铺收租金,因为马币一直跌。大原则来说,通过投资来应对通货膨胀或货币贬值,方向是对的,如果可以进一步把该投资用比较稳定或有未来的国际货币如新币,投资在全球(投资在全球有业务的公司或全球基金)效果更好。看回你友人给的资料,是有投资房地产的经验,店铺租金也比房屋高,是可以去进行研究,那个热门商业区(比如和麦当劳、银行同排;靠近人口拥挤,热闹场地;靠近地铁,楼上住户和楼下店铺和超市的高级公寓;靠近大学或学院,办公大厦的店铺)可以买来出租。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">从资产有效分配的角度来看,你友人的投资非常集中在房地产,再进一步去投资店铺,这可能会降低投资组合的多样性。虽然只投资自己擅长的,是投资金律,但是,当投资组合开始膨胀一定程度后,需要考虑其多样化,以便可以有效分散风险,不把全部鸡蛋放在同一个篮,避免一打翻,就全盘输。你的友人可以慢慢提高在股票和基金的投资。机器人理财顾问(RoboAdvisor)也是非常适合没有任何基础的普罗大众。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">针对第二个问题,说没有保险。这和我常说的真实故事一样,在跨国公司工作时,是拥公司给予全面和完整的保险保障,但是,一旦退休的隔天,所有保障全失,在55岁退休后,因为高血压和糖尿病的他,基本上无法买到任何保险,虽然退休时拥有几百万的退休金,但是无法享受退休生活,因为怕未来庞大医疗费,所以,还非常小心和战战兢兢的花费。个人保险保障一定要在健康的时候买,当你需要它时,基本上你是买不到的。如果你的友人整体还健康,没有什么严重疾病或慢性病,那就尽快去申请严重疾病和住院卡保障,贵是免不了的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">如果和我的个案一样,已经有了严重疾病,那要如何应对呢?其实也不是没有办法,在马来西亚,我们还是可以仰赖政府医院,虽然大排长龙,但是如果有认识一些在政府医院服务的医生或护士,通过他们的推荐,还是可以得到优先安排。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">第二个应对方式就是,善用有执照的中医,根本上管理自己的健康和处理健康问题,但是不能等到严重时再来找中医,因为这时已经比较棘手,病人也没有耐心和时间。据我所认识的老中医师告知说,中医在敏感、中风等很多健康问题上,比西医治疗方面还要好, 甚至有些医院警告病人不能去吃中药,但是医院自己却开重新包装后的中药给病人。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">第三,尝试去找有没有一些团体的集体保险(Group Insurance)加入会员,把自己纳入该会员保险保障中,虽然该保障额不高,总比没有来得好。或者去找拥有高自付额医疗费的保险(Deductible Insurance),比如1万5000自付额保险,就是每个理赔(claim)的首1万5000,是自己付,所以比较便宜,对保险公司风险更低,可能会得到批准,虽然该保障数额还是不高,总比用自己的钱来得到。为什么保险很重要,因为,它给予我们杠杆效果1对100或1对1000,我们只需要每个月供几百块保费,就可以得到超过万或百万的保额保障,保险可是最好的杠杆和理财工具,我们用自己的钱来应对医疗费只是1对1的,没人任何杠杆效应,也是最不划算的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">针对你的友人第三个问题。每年投入10 万马币于公积金是一种稳健的储蓄方式,是可行的,适合退休和保守人士,同时也非常适合你的友人,来加大流动资金(公积金对退休人士算是流动的)。毕竟大约83%的公积金是投资在债券(83%投资在本地),但是公积金的平均回酬只有5.8%左右,如果有保守低风险又更高回酬的投资,比如高股息的蓝筹股、产托、国际指数基金(ETF)等等,同样值得考虑。就算不是你的强项,也可以委托拥有执照和诚信的理财师帮忙。为了踏上虚拟货币的趋势上,可以投资少量在比特币和以太坊也是不错的选择,因为,这两款币是可以合法和长期持有的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><br /></p><p style="background-color: white; box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;">财富问诊 | 马币跌不休 想购房保值-星洲日报</span></p><p style="background-color: white; box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;">https://www.sinchew.com.my/news/20231120/finance/5134257</span></p><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问诊</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#星洲日报</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%AA%E4%BA%BA%E8%B4%A2%E5%8A%A1%E5%88%86%E6%9E%90?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#个人财务分析</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84%E5%91%A8%E5%88%8A?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资周刊</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#活用理财</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#职业</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#退休</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#保险</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%A4%B1%E4%B8%9A?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#失业</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%BA%94%E6%80%A5%E9%87%91?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#应急金</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富传承</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financial?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financial</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialanalysis?__eep__=6&__cft__[0]=AZUyKSHcBr1tk9WJ6uIyIfz72zysucmR_w_vk-GbUo_RMJup8t5KjXmtouRZnPAMl5rWWCLUvtAEx3iXIT50VQfGJNlabHg87-MVyL0KYTNet-TwpI9L548nWkZ7hUJ-0YDr2pZVOkEy2PvpvSjZB1hMIYnYu6Rqs4LeZNYzMaOEh0e5RUPM_SIkG-xBzjbIkrE&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialanalysis</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> #sinchew #personalfinance #financialplanning #newspaper #biz #finance #invest #retrenchment #emergency #money #cash</span><span style="color: #212529; font-family: helvetica neue, Helvetica, Arial, sans-serif;"><span style="font-size: 40px; font-weight: 500;"><br /><br /></span></span></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-28440999502210563062023-08-30T21:59:00.005+08:002023-08-30T21:59:48.644+08:00消费信贷细细算 (三之二)】先买后付 恶魔在身边星洲日报-投资周刊 <p>2023年8月28日财经先买后付, 投资周刊, 消费信贷</p><p>各大媒体这两三年都积极报道诸如“消费模式大转变的趋势”、“先买后付大趋势”、“什么是先买后付,是否应该使用”、“国行制定消费者信贷法令确保公平待遇”、“国行强化先买后付监督”等新闻,为的就是希望能警惕民众,避免跌入胡乱且冲动消费的漩涡,但似乎作用并不大。</p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjPCJiBf5CXngl7ILUKQ8VYwxh8SH6SBKN5PSbQL34EFPhAJj56TW53G4t9dU9aJ2gCZrCYldGQfsBq-1efayWWnoPNodW6bkpkDMogI_y2cIQygtiRaKmCN6ksZiAgtmzwiBYDl5SEMPQaAHIz0i700OrynN993wvlR1KRkIgFV8IugFUPuy1b" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="502" data-original-width="800" height="402" src="https://blogger.googleusercontent.com/img/a/AVvXsEjPCJiBf5CXngl7ILUKQ8VYwxh8SH6SBKN5PSbQL34EFPhAJj56TW53G4t9dU9aJ2gCZrCYldGQfsBq-1efayWWnoPNodW6bkpkDMogI_y2cIQygtiRaKmCN6ksZiAgtmzwiBYDl5SEMPQaAHIz0i700OrynN993wvlR1KRkIgFV8IugFUPuy1b=w640-h402" width="640" /></a></div><br /><br /><p></p><p>小林申请了公积金特别提款,暂时结束被收债代理(DCA)激烈追债的日子,只需再多半年即可还清贷款,但一波未平一波又起,太太小兰疫情期间遭裁员迟迟找不到工作,之前先买后付(BNPL)消费现在也无力偿还,累积欠债5000令吉,让刚能喘口气的小林,再次头痛不已。</p><p>先买后付真的那么可怕?是否不碰为妙?若真的使用这项信贷工具又有何注意事项?</p><p>当消费变得容易且唾手可得,你是否能压得住那名为冲动的魔鬼?我们又该如何避免掉入冲动消费的陷阱?</p><p>各大媒体这两三年都积极报道诸如“消费模式大转变的趋势”、“先买后付大趋势”、“什么是先买后付,是否应该使用”、“国行制定消费者信贷法令确保公平待遇”、“国行强化先买后付监督”等新闻,为的就是希望能警惕民众,避免跌入胡乱且冲动消费的漩涡,但似乎作用并不大。</p><p>反而越来越多先买后付先甜后苦,及年轻人无力偿债财务陷困的事件层出不穷,再次引起人们热议,到底是真的钱不够用,还是无法克制理性消费惹的祸?</p><p>在理财师看来,先买后付和信用卡两者都一样,都具备让人过度消费的隐患,尤其对于还未具备良好理财观念的社会新鲜人,无疑是毒药。反之,若对理财已有一定认知,分得清“需要”和“想要”,则是有助财务规划的“良药”。</p><p>而在经济学家眼中,先买后付的模式并不符合借贷原则,也因为未有妥善限制先买后付的应用,就算低至1令吉的不耐久商品都能先买后付分期供款,从而造成频密使用并依赖这项信贷工具,久而久之打乱理财规划。</p><p>量力而行及按需购物的理性消费模式,道理人人都懂,实际操作却未必能够如此,因多数人存在的侥幸心态,总认为现在的所有消费,下个月领薪水时减少储蓄,就能还清这个月的额外消费,殊不知就是这样的心理,从此拉开冲动消费的帷幕。</p><p><br /></p><p>先买后付 利息比信用卡更高</p><p>财福人生教育培训学院创始人兼首席讲师杨子佑告诉《投资致富》,先买后付的利息其实比信用卡还高,以电商Shopee的“SPayLater”为例,一个月的处理费1.5%,一年下来也是18%,这还没计入若有延迟还款的逾期费用。</p><p>“基本上,信用卡向来被视为最贵信贷产品,因一年利息高达18%,个人贷款的利息介于10至12%,而车贷及房贷平均在4至6.5%。”</p><p>拉曼大学商业与金融学院教授黄锦荣博士点出盲点,即先买后付其实并不符合借贷原则。</p><p>“一般上借贷都是倾向(使用)周期比较长,或是占收入较大比例的商品及大件用品,比如说房子或者大型电器。而先买后付本身的做法实则违反借贷的定义,即周期较短,且在收入的占比也低。”</p><p><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi8SKeEdihwi6LpVzQqeoN8lf6PMwJ079yHL8TTeQPfHzjj6_2gpwGYggHhKY9pt29jTZpj7l8m5xSKtyPrDVRvcAm1QPQgeEXDl0U6NBfFjBdVq6bcFP41oLsRyv1rvw6cq5Xq0EbqgaAjl0peSnoCYDq8Zo8SmglrpGENyibQ5-tFP5EJ5Nu-" style="clear: left; font-weight: 700; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img alt="" data-original-height="551" data-original-width="500" height="400" src="https://blogger.googleusercontent.com/img/a/AVvXsEi8SKeEdihwi6LpVzQqeoN8lf6PMwJ079yHL8TTeQPfHzjj6_2gpwGYggHhKY9pt29jTZpj7l8m5xSKtyPrDVRvcAm1QPQgeEXDl0U6NBfFjBdVq6bcFP41oLsRyv1rvw6cq5Xq0EbqgaAjl0peSnoCYDq8Zo8SmglrpGENyibQ5-tFP5EJ5Nu-=w363-h400" width="363" /></a></p><p>杨子佑:BNPL和信用卡都具备让人过度消费的隐患。</p><p>迷思篇</p><p><br /></p><p>●迷思1 先买后付碰不得?</p><p>曾试用过SPayLater的杨子佑披露,当初Shopee刚推出这项机制,还无需支付任何处理费或逾期还款费,就只是把花费分3个月摊还。</p><p><br /></p><p>“这就是鼓励先拥有,钱慢慢才还的消费习惯,而当初的模式也的确帮助有需要的人暂渡难关,但也是需要懂得为下个月做财务规划。”</p><p><br /></p><p>Shopee去年10月17日更新SPayLater的处理费,即对所有以先买后付方式的消费者,就算是下个月全额还款都会征收1.5%的处理费,而若是有任何逾期还款的情况,则消费者的SPayLater户头会被暂时冻结,直至偿还未还款项为止,后需支付10令吉作为逾期费以重新激活户头。</p><p><br /></p><p>随着政策调整需征收1.5%的管理费后,杨子佑就没再使用SPayLater。</p><p><br /></p><p>“虽然1.5%看似小钱,但每个月征收一笔,累积到最后却会成很大一笔。于消费者而言,如果真的有需要,别无选择下还是建议先考量真实利息为佳。”</p><p><br /></p><p>以银行信用卡为例,若单笔消费逾500令吉,消费者可选择简易付款计划(EPP),有些银行也只是在第一个月的还款征收利息,而不是每个月都额外收费。</p><p><br /></p><p>另一家电商平台Lazada早前也更新旗下先买后付服务LazPayLater的收费细节,举凡任何延迟还款,今年5月23日起都会被征收标准服务费1.5%。此前,选择延后1个月还款无需支付任何费用。</p><p><br /></p><p>●●破除迷思:每月看似征收的费用不多,但积少成多也是一笔不小的钱,建议若有其他选择比如信用卡,可对比两项服务的收费,得出最划算的选择。</p><p><br /></p><p>●迷思2 先买后付更方便?</p><p>先买后付和信用卡最大的分别,在于申请信用卡仍需符合基本需求,普遍需年满18岁并且有稳定工作,而先买后付并未限制使用人,故引起市场人士担忧,毕竟在没有审核使用人偿债能力的情况,还没有限制总消费数额,或成推高个人及家庭债务风险的源头。</p><p><br /></p><p>根据国行设下的信用可申请指南,首次申请者年收入至少要有2万4000令吉,即每个月最低2000令吉,而银行在审批申请时也会要求收入证明,此外申请人还需附上雇主证明信,及其他相关文件。</p><p><br /></p><p>不过,就算是同样类型的信用卡,但每间银行或有不同的需求,即可能A银行设下最低月薪标准是3000令吉,而B银行则参考国行指南,将申请信用卡的最低薪资要求设在2000令吉,申请人还需依自身需求及收入水平,慎选信用卡。</p><p><br /></p><p>我们在上一篇提过,当债务管理失控,除了个人及家庭债务上升,对经济的冲击也不容小觑,虽然国家银行曾言明,源自先买后付的金融稳定风险有限,仅占整体家债的0.05%,但执行风险不容忽视。</p><p><br /></p><p>为能将这些风险扼杀在摇篮中,国行除了关注非银行金融机构的操作,也规定银行及发展金融机构(DFI)等金融机构,以及电子货币发行商,必须遵守目前的负责任放贷标准,同时对新顾客展开更全面适用性及负担能力评估。国行也要求改善先买后付用户的所有相关费用和收费的披露,并针对逾期还款征收合理费用。</p><p><br /></p><p>“鉴于先买后付的相关费用及收费欠缺透明度,尤其是在这个制度下实施的处理费及迟还款逾期费用,或也是让用户(消费者)不清楚自己真正需缴付的款项。”</p><p><br /></p><p>●●破除迷思:初时的方便,怕最后反而成为财务危机的推手,无论如何理性消费合理规划支出才最稳妥。</p><p><br /></p><p>●迷思3 先买后付门槛最低?</p><p>比起先买后付,信用卡在利息收费方面相对“有人情味”及灵活性,即持卡人可尝试和银行沟通争取调低利息,或也能选择零利息的分期付款。</p><p><br /></p><p>杨子佑指出,先买后付的操作模式基本上和信用卡无异,但后者属于受监管的金融产品,银行都有设下基本申请标准,避免财务情况相对脆弱的群体,一不小心陷入债务危机。</p><p><br /></p><p>“无论如何,过度消费都是不被鼓励的习惯,但若真有需要使用信用卡,建议可先在一众银行信用卡中比一比利息及处理费(复利及迟还款费用),精明使用信用卡的现金流,也能作为应急的紧急资金调动,前提是每个月必须清还本期应缴付账单金额(Statement Balance)。”</p><p><br /></p><p>他提醒,还是有很多人并不清楚,每个月若只是偿还信用卡账单的最低付款(Minimum Payment)也是会有额外费用,所以使用信用卡一定要做好预算,尤其使用分期付款计划更要打算好。</p><p><br /></p><p>“在消费前还是需要做好最基本的财务规划,即一定要有至少3到6个月的应急资金。”</p><p><br /></p><p>●●破除迷思:低门槛不一定是好事,前提还是该如何妥善规划财务,否则先买未必能在下个月支付,面对的额外费用,反而还会加重财务负担。</p><div><div style="text-align: justify;"><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg_Yhc-nZCHgsiPeJob-jodKUjc8dYbo3y3Oi76dr8f5GlG2AtK-F4-3hhDl1cj4M1A2w3izfGhtEQUfDon02jQd8ThRMVrtGxqNpN1Z108GenWEne-MdD7-I0zaFtfrfuxkuGCk2DfYvBxYvvJr_5apjpx8vnu-t_uiaxTzNnjk0opKijREcFI" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="480" data-original-width="466" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEg_Yhc-nZCHgsiPeJob-jodKUjc8dYbo3y3Oi76dr8f5GlG2AtK-F4-3hhDl1cj4M1A2w3izfGhtEQUfDon02jQd8ThRMVrtGxqNpN1Z108GenWEne-MdD7-I0zaFtfrfuxkuGCk2DfYvBxYvvJr_5apjpx8vnu-t_uiaxTzNnjk0opKijREcFI=w621-h640" width="621" /></a></div><span style="color: #741b85;"><div class="separator" style="clear: both; text-align: left;"><div class="separator" style="clear: both;">黄锦荣:年轻人推崇先买后付,主要因为刚毕业踏入社会工作,理财观念相对薄弱。</div><div class="separator" style="clear: both;">管制篇</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">未能如期还款 趋势上升</div><div class="separator" style="clear: both;">到底要如何管制先买后付,才能让这个模式不至于对经济发展构成伤害?</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">疫情加上科技进步,金融科技的应用普及化,大大改变整个金融领域乃至消费者信贷的“面貌”,数字化让信贷变得更“便宜”,无现金电子商务崛起,一键购物与消费更方便,消费者或在不经意间超出能力的消费而不自知。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">在管控先买后付这方面除了让业者需完成注册即执照申请,拉曼大学商业与金融学院教授黄锦荣博士认为,使用范围也要有所限制,即规定以先买后付的商品,供款周期不能少过1个月,同时不能用在快消品上。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">“此外,很多消费者对先买后付还是一知半解,尤其是在处理费和延迟还款费用这一部分,更是没有深入了解,除了限定能采用先买后付的商品,也应确保人人都知道整个费用的细节。”</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">先买后付 18至30岁占多数</div><div class="separator" style="clear: both;">80%月薪少过3000令吉</div><div class="separator" style="clear: both;">值得一提是,在先买后付的用户群中,以18至30岁者居多,据国行向国内4大非银行机构的先买后付业者取得的资料显示,约44%的先买后付用户年龄介于18至30岁,而当中超过80%的用户月薪少过3000令吉,因此最易遭受财务压力。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">而这4大非银行机构先买后付业者的交易值,去年第四季占整体金融体系的约96%。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">“先买后付的便利性或会将用户(消费者)置于消费高风险境地,即很容易会在未仔细思考是否有能力能准时偿还全额贷款的情况,超出能力的消费。”</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">而大型非银行机构也不讳言,先买后付用户未能如期还款的趋势上升,在在点出债务违约风险确升高,据国行汇整的资料,去年第四季的先买后付用户逾期还款有17%,惟截至去年第二季时是14%;2021年第四季仅7%。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">黄锦荣以上述数据为例,相对年轻的群体更为喜欢使用先买后付这项信贷工具,主要是因为刚毕业或刚踏入社会工作,理财观念相对薄弱,还需进一步加强这方面的知识。</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">“何以年轻群体对先买后付这般推崇,有几个关注点值得注意,即可从年长比如40岁以后的群体的消费习惯及喜好看出端倪。40岁以后的消费群体,工作多年后收入不是太大问题,能选择的信贷工具或金融产品相对更多,对先买后付的需求相对不大,且消费态度、模式及观念不同,喜好也不如年轻的群体。”</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;"><div class="separator" style="clear: both;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg82r7Whgj50ffURjV4elOsVTLuvXGAdcONrr6lsNI8mnR8BxhXAr_gDnGSyJvUwQ2sgtyE_ML1DeFzEwlJBUC1Nm0q2HlWbYcTI4aBnfqdPlu3m4v_EoC1T2ZseAw0F7dTLMtxWEbRpyJYSdEeXvdl5TDjjban9V9OcPtEDTCDdPwd9UVa16jl" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="491" data-original-width="554" height="567" src="https://blogger.googleusercontent.com/img/a/AVvXsEg82r7Whgj50ffURjV4elOsVTLuvXGAdcONrr6lsNI8mnR8BxhXAr_gDnGSyJvUwQ2sgtyE_ML1DeFzEwlJBUC1Nm0q2HlWbYcTI4aBnfqdPlu3m4v_EoC1T2ZseAw0F7dTLMtxWEbRpyJYSdEeXvdl5TDjjban9V9OcPtEDTCDdPwd9UVa16jl=w640-h567" width="640" /></a></div>这是我前一整子接受星洲日报,妤芯的电话访谈,关于先买后付(Buy Now Pay Later-BNPL)利弊, 刊登在2023年8月28日财经先买后付, 投资周刊 消费信贷。在该内容分三系列,我的小小分享在第二系列</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">消费信贷细细算 (三之一)】先买后付 恶魔在身边</div><div class="separator" style="clear: both;">https://www.sinchew.com.my/?p=4920435</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">消费信贷细细算 (三之二)】先买后付 恶魔在身边</div><div class="separator" style="clear: both;">https://www.sinchew.com.my/?p=4936746</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">先甜后苦或先苦后甜,自己选!</div><div class="separator" style="clear: both;"><br /></div><div class="separator" style="clear: both;">#财富问诊 #星洲日报 #投资周刊 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #财务规划 #与钱同行 #财务自主 #储蓄 #投资 #保险 #与钱同行 #财福人生导师 #财福人生教育培训学院 #利息 #先买后付#financialliteracystory #sinchew #moneylifeacademysb #moneymastermy #YongChuEu #moneylife #BNPL #finance #financialplanning #buynowpaylater #loan</div></div><div class="separator" style="clear: both;"><br /></div></div><br /></span></div><div><div class="entry-content" style="background-color: white; box-sizing: border-box; margin-left: 250px; margin-right: 25px;"><p style="border: none; box-sizing: border-box; line-height: inherit; margin-bottom: var(--contentSpacing); margin-left: 0px; margin-right: 0px; margin-top: 0px; padding: 0px; text-align: left;"><br /></p></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-85443466914208441782023-08-14T11:03:00.003+08:002023-08-14T11:09:52.360+08:00生首胎想换大屋,在贷款买屋明智吗?星洲日报-投资周刊 (8月7号)<p> <span face=""helvetica neue", Helvetica, Arial, sans-serif" style="background-color: white; color: red; font-size: 16px; font-weight: bolder; text-align: justify;">你好理财师,我姓李,今年32岁,是一名执行人员,月入5000令吉。太太(28岁)是一名行政人员,月入2000令吉。目前存款有10万。我每年的花红+奖励大约是2个月,太太1个月。</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;">我们在市郊买了一间800平方呎的可负担屋,大约25万,月供800令吉,35年。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;">最近,我们迎来第一个宝宝,想要<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.sinchew.com.my/tag/%e8%b4%b7%e6%ac%be/" ref="www.sinchew.com.my/?p=4882067" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="贷款">贷款</a></span>买大一点的房子,再出租现有屋子,请问这是明智的作法吗?</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; font-weight: bolder;">每个月支出如下:</span></p><div id="anymind-mid2" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; font-weight: bolder;">生活费2000令吉(包括所有杂费)</span></p><div id="adasia-mb-mrec2" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><div id="AnyMind_PC_RecII" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; font-weight: bolder;">供屋1000令吉(每个月多供200,希望提早结束)</span></p><div class="read-more-wrapper" style="background-color: white; box-sizing: border-box; text-align: justify;"><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; font-weight: bolder;">孩子1500令吉(包括每月200令吉教育储蓄)</span></p><div id="anymind-mid3" style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px;"></div><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;">请问:</span></span></p><div id="adasia-mb-mrec3" style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px;"></div><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;">1)再贷款买屋合适吗?我们是想买逾1000平方呎的房子,预算50万至60万令吉。可以做到吗?该如何规划?</span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;">2)我们对投资理财不熟悉,只把钱存放银行定期存款,另外有买信托基金,但数量很少。我们现在还年轻,但接下来的开销会变大(养孩子不易),对我们这样的夫妻理财,该如何着手规划?需要考虑什么?</span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;">小李敬上</span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;"></span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgGr6G4Ed500rm_Ol6YAGBPto6mmf6UlpHKo55HKutdTNo08NlsdQesBSbEfyCpqWJG7nMqdE8liGEDvW_CvLRUw2xiOgCrtWrSk4-R_SWGjPs2HwbnNnYtYo8sp-5jTD1C9CqkzEZ0_-YcTQu8TQeF2k-PxJUWVvSHzarK3xrQNTUGpWkVYmc5" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="262" data-original-width="430" height="244" src="https://blogger.googleusercontent.com/img/a/AVvXsEgGr6G4Ed500rm_Ol6YAGBPto6mmf6UlpHKo55HKutdTNo08NlsdQesBSbEfyCpqWJG7nMqdE8liGEDvW_CvLRUw2xiOgCrtWrSk4-R_SWGjPs2HwbnNnYtYo8sp-5jTD1C9CqkzEZ0_-YcTQu8TQeF2k-PxJUWVvSHzarK3xrQNTUGpWkVYmc5=w400-h244" width="400" /></a></div><br /><br /><p></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: red;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">答:</span></span>亲爱的小李,</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">根据你的资料,把它整理如下:</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhaguFB5NrxXUoiS8-c2PYIc9wM8Z4rzdPQ-uZ9ZOWNIW0eVgqgUIKZmfrq18Uepni2NbCFFu6d20nw8bs6inl21uc5Wjhlkita6GKJamqn-XB6rk2FsgsL7WSPY26rt7QcvctruAgU4EL9A2OA4G2QnCXPCz92KAb2RpnQ9kWREIplUeMNH_n_" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="395" data-original-width="492" height="514" src="https://blogger.googleusercontent.com/img/a/AVvXsEhaguFB5NrxXUoiS8-c2PYIc9wM8Z4rzdPQ-uZ9ZOWNIW0eVgqgUIKZmfrq18Uepni2NbCFFu6d20nw8bs6inl21uc5Wjhlkita6GKJamqn-XB6rk2FsgsL7WSPY26rt7QcvctruAgU4EL9A2OA4G2QnCXPCz92KAb2RpnQ9kWREIplUeMNH_n_=w640-h514" width="640" /></a></div><br /><br /><p></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">你和太太的月收入是7000令吉,月支出是4500令吉。这表示每个月大约有2500令吉盈余,而在紧急基金方面,你说有10万令吉的存款,可以应付家庭开销大约22个月。这是非常健康的财务状况,只是保守了一点,主要是太多的流动资金放在定存或储蓄,让赚回来的钱纯粹是保值,毫无增值作用。比较理想是大约保留3至6个月的流动资金(如果不稳定行业或收入,可以保留6至9个月),多余的钱都应积极用以投资。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">设立保险保障再谈投资</span></span></h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">财务保障第二部分应该是风险规划,也就是设立保险保障,过后再来谈投资, 但这里只有提起教育储蓄,这是很好的开始,只是别忘了,保障还需要涵盖每个家庭成员,同时,要兼顾三方面——个人(严重疾病、医药住院卡、意外、人寿),问责(致或中伤的法律诉讼)和资产(车、屋子等等),同时要好好了解自己的每个保险保障是否足够、合适。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">根据你给的资料,我相信你的财务多少已反应孩子的一些开销,而你想要购买更大的屋子,我就根据你的财务状况大概计算你可以借到多少钱,但每个银行的计算法不一样,仅供参考,只让你懂自己的财务状况可以借到多少钱,再看相关价格的屋子。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiRCU6cjzp1XCt3SDtnGFHoNAbB6e9KaNJ7Jes150ZAyNLGAtollVtAbaTYgPKrOjjNlTec2-WRemo4hm8EQRClfWLrI3dlRpp8-dOwMPR8AKURrLkINIpbRSUcdHBzrYZ28vGI4ovbU_ZPJowNjwN5SIbXskuH0sy8P1SL-VwgZLgk2_cgWCDk" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="601" data-original-width="1011" height="380" src="https://blogger.googleusercontent.com/img/a/AVvXsEiRCU6cjzp1XCt3SDtnGFHoNAbB6e9KaNJ7Jes150ZAyNLGAtollVtAbaTYgPKrOjjNlTec2-WRemo4hm8EQRClfWLrI3dlRpp8-dOwMPR8AKURrLkINIpbRSUcdHBzrYZ28vGI4ovbU_ZPJowNjwN5SIbXskuH0sy8P1SL-VwgZLgk2_cgWCDk=w640-h380" width="640" /></a></div><br /><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">根据以上计算,你可以借到62万4000令吉的贷款购买更大房子 (请看图表下,关于贷款详情),但是需要夫妻联合申请,同时,也会让你的财务变成毫无盈余,新贷款大概每个月需支付2930令吉,除非你成功出租旧屋。此外,新屋需要大约10%头期,以及3万至5万装修,方可入住。租出与否,还是要看地点,所以需研究附近同款屋子租大概多少,是否足够应付部分或全部新得贷款。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj49US5p4JCsj90idBR04xStAuW9jF59zgDcmRHE4m16wIR_bzhiClgNv1jU5rfvy-54VcT85obL0IEON8E8b-hDAmd8K-NIdX33ff2lBHo_ZTnQLNDd9zkG_76KOqRS3ywtPgJ3FisLY4kA1Ro5nYzgG8FyTykH4y052ZQmQxjm-W0ZSxWwLot" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="229" data-original-width="480" height="306" src="https://blogger.googleusercontent.com/img/a/AVvXsEj49US5p4JCsj90idBR04xStAuW9jF59zgDcmRHE4m16wIR_bzhiClgNv1jU5rfvy-54VcT85obL0IEON8E8b-hDAmd8K-NIdX33ff2lBHo_ZTnQLNDd9zkG_76KOqRS3ywtPgJ3FisLY4kA1Ro5nYzgG8FyTykH4y052ZQmQxjm-W0ZSxWwLot=w640-h306" width="640" /></a></div><br /><br /><p></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">根据你现有方式,你会把之前买来住的房子出租,购买更宽广的房子,所以,你的第二间屋子就要非常注意,是否是在人潮热闹的地方,同时打听附近是否有需求,方便以后你出租或出售。</p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">买屋长住和投资策略不同</span></span></h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">买来长住和买来投资是不同的策略。买来长住主要考量是方便你们上下班,载送孩子去学习、补习、安亲班等,以及方便张罗日常用品和食物。至于买来投资,则只是考虑在超级大城市、土地有限和人口增长的热门地点。如果靠近公共交通尤其是地铁,或其住处是结合住宅、商业、休闲、娱乐,同时有购物商场就更好了。至于出租的策列部分,我之前的文章也分享了不少,这里就不啰嗦了。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">选择合适的投资工具</span></span></h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">就用以下图表,关于简单但关键的投资策列,来回答投资的问题。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjGi-dVRkB9gIWQ4oKbagyp1Q9tUHR0hbETT6V4dL1c-RxmgSNIOlO2LCvq5Otzv7UzVWezh54KMdlCQfJZ07W8y_bktiywKsdyPGKc5QI0V_WSQZLzF4JprnhCDSJ1OLENeIaW5Xq_V7uiTM21_V-DI7BTbKkwLqg6NQwutV-nTjKUUmKJ_5RM" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="464" data-original-width="765" height="388" src="https://blogger.googleusercontent.com/img/a/AVvXsEjGi-dVRkB9gIWQ4oKbagyp1Q9tUHR0hbETT6V4dL1c-RxmgSNIOlO2LCvq5Otzv7UzVWezh54KMdlCQfJZ07W8y_bktiywKsdyPGKc5QI0V_WSQZLzF4JprnhCDSJ1OLENeIaW5Xq_V7uiTM21_V-DI7BTbKkwLqg6NQwutV-nTjKUUmKJ_5RM=w640-h388" width="640" /></a></div><br /><br /><p></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"></p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">大多数人没有做准备就直接跳入投资的船,而忽略了这些简单但非常关键的步骤和策列。一些人只是听任何投资建议,或跟随其他被认为已在市场赚很多钱的人,但这不是正确方法。这就是为什么大多数人会陷入投资欺诈、金钱游戏,卡在投资高峰周期中,然后损失来之不易的钱。由于这种糟糕和痛苦的经验,他们将对未来出现的任何投资机会失去信心。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">评估自我风险喜好</span></span></h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">之前谈了第1和第2步,那从第3步开始,评估自我风险喜好,确定应选择高风险或保守型投资的工具组合。我相信大部分人都知道自己的风险承受度,毕竟这种调查问卷,在网上随手可得,但如果你还不知道,不妨先了解。不要单凭直觉,就认定自己是那种类型的投资者,有时我们所认为的往往会和问卷结果差很多。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">挑选合格专业人士管理投资</span></span></h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">在第4步,了解自己是否对投资充满热情,拥有技能、经验以及空闲时间。知道了这一点,你还应该知道是选择(a)聘请金融/投资专业人员,还是(b)DIY /自己动手。对于那些缺乏时间并不了解投资的人,我认为你应选择方案(a)。对于我这样热爱投资股票和加密货币,又愿意花时间研究学习,对研究股票/货币的基本面和价格走势图等感兴趣的人,很明显,DIY是我最好的选择。选择最适合你的!</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">虽然我选择自己动手投资,但在考量到需要布局6+2大不同的资产,和当我的资产发展到一定数额时,我会考虑,把6大不同投资的工作交给专业人士经营管理,只要一年向我报告几次就行了,这样我可以专注于我的兴趣,比如演说、陪家人、旅行等。这就是有钱人的思维,用钱买人家的时间、专业及经验帮自己。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">任何向公众收取资金/金钱进行投资或购买任何金融工具的个人或公司,都应向国家银行或证券监督委员会(SC)申请许可证。仅从马来西亚商业局注册(SSM)拥有公司许可证是不够的。谨慎的投资者在投资前,应确保该投资公司持有许可证。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">在开始投资前,你可以通过国家银行或证券监督委员会的网站或电话热线进行确认。证监会和国行总会常常向公众发布“可疑欺诈/非法投资”列表的新闻。如果有任何疑问,不要犹豫,随时询问国行或任何拥有执照的金融/投资顾问。这是步骤5。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><h5 style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 1.17188rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: 0px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">越早开始投资越好</span></span></h5><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">最后,纪律是成功的关键因素,如果可以,越早开始投资越好。这还包含不时检查投资业绩,以确保投资回酬仍在预期范围。以上是简单介绍——简单且关键的投资策列。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;">回到你的问题,银行存款和信托基金是相对安全的投资方式,但回报可能相对较低,除非在信托投资上,提高在外国市场和股票的投资比重。在投资前,你应先了解这些投资产品的风险,是否符合本身的风险喜好。同时,保持投资组合多样化是减少风险的好方法。如果信托投资回酬不错,不妨每个月定额加码,这样可有效增值财务。投资种类不应贪多,专注在你所熟悉的工具上。</p><p style="box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><br /></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span face="helvetica neue, Helvetica, Arial, sans-serif" style="color: #212529;">生首胎想换大屋,在贷款买屋明智吗?星洲日报-投资周刊 (8月7号)</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span face="helvetica neue, Helvetica, Arial, sans-serif" style="color: #212529;">https://www.sinchew.com.my/?p=4882067</span></p><p style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><span style="color: #212529;">#财富问诊 #星洲日报 #投资周刊 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #财务规划 #职业 #退休 #与钱同行 #财务自主 #储蓄 #投资 #保险 #与钱同行 #储蓄 #孩子 #教育 #退休 #现金流 #财福人生导师 #财福人生教育培训学院 #利息 #financialliteracystory #moneylifeacademysb #moneymastermy #YongChuEu #moneylife</span></p></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-28475348642857465122023-06-10T10:27:00.003+08:002023-06-10T10:27:42.113+08:00资汇财经杂志-车贷余额递减法节省利息,车主还贷更公平,银行冲击有限<p> 这是我在四月的时候接受来之《资汇》的侨森的访问,谈关于以下问题</p><p>1. 78法例修正對未來車貸消費者的影響?</p><p>2. 兩者計算方式會有哪些差異?</p><p>3. 新的車貸會否因不同利率週期而不同,對借貸者造成負擔?</p><p>4. 銀行收益是否會因78法例調整受影響?</p><p>虽然,资汇已经熄灯了,但是它确实是一个非常高水准的财经杂志,非常荣幸参与其中贡献。谢谢。谢谢尧章帮我找出之前的这篇访谈文章</p><p>《資匯》- 全馬首創中文財經週刊 Malaysia's 1st and only Chinese financial and investment weekly!!</p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhX8K98jHntpX32iNEM94ZY41WMztGHZd0hlia2yCQE2h0QFRjuELlrJpEGpW_-axkAFeiMOIt8RUfToA9n478QIvUhxuyjYSMWglf-g84pQdM2NWyWbyXTbZqWuYu13uJD9UOAQEmeV3hEdzqT0FDEFHbK4MsBCjDWsZMt7xJUKABbQbZx4g/s2646/142-ZB-1.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2646" data-original-width="2126" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhX8K98jHntpX32iNEM94ZY41WMztGHZd0hlia2yCQE2h0QFRjuELlrJpEGpW_-axkAFeiMOIt8RUfToA9n478QIvUhxuyjYSMWglf-g84pQdM2NWyWbyXTbZqWuYu13uJD9UOAQEmeV3hEdzqT0FDEFHbK4MsBCjDWsZMt7xJUKABbQbZx4g/w514-h640/142-ZB-1.png" width="514" /></a></div><br /><p></p><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpEK7ae34M2rqtamoHo_nbAbV4vUw8TOchvzBtk0ITLvaAQVPxeoUz7_gam3-R3ybt8ofg8yL1LbNLCnv_VaHI_35GDajGoKGMr58YCOZ2MgybfP6xlhAuGtLqkEtEeyFRExHJqlL6ay5y7cF4nMqGrjKL9kFQ4fDLVXOrSe6CAeqHdodhVw/s2646/143-ZB-1.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2646" data-original-width="2126" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgpEK7ae34M2rqtamoHo_nbAbV4vUw8TOchvzBtk0ITLvaAQVPxeoUz7_gam3-R3ybt8ofg8yL1LbNLCnv_VaHI_35GDajGoKGMr58YCOZ2MgybfP6xlhAuGtLqkEtEeyFRExHJqlL6ay5y7cF4nMqGrjKL9kFQ4fDLVXOrSe6CAeqHdodhVw/w514-h640/143-ZB-1.png" width="514" /></a></div><br /><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div>#资汇 #财经 #理财 #教育 #投资 #杨子佑硕士 #财福人生 #OPR #国行 #银行 #定期存款 #信用卡 #再融资 #财商思维 #财务自由 #投資#车贷 #贷款 #利息 #理财规划 #银行 #与钱同行</div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-6714816059736146252023-06-08T21:55:00.000+08:002023-06-08T21:55:29.208+08:00三吉星照亮股友信心,大马投资者东南亚最乐观-资汇<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCwUf1Z-vOGFgDoATSneoLK-jtFNccrVJMSZjS44NNLvVjUyjdQKEwxnhKVYMstzsojYWVMsHBLW6NlUv650NWR86jzwD10Tgd22ot8wSe9rbdxQekzzUrR03bCdA0SkLHSXIg8nvG1v1qiI-tG7hHHk_XLs0_HuR_Nn_yTPT6dHO1pvoqDQ/s2785/%E7%90%86%E8%B2%A1%E5%B0%88%E9%A1%8C1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2785" data-original-width="2341" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhCwUf1Z-vOGFgDoATSneoLK-jtFNccrVJMSZjS44NNLvVjUyjdQKEwxnhKVYMstzsojYWVMsHBLW6NlUv650NWR86jzwD10Tgd22ot8wSe9rbdxQekzzUrR03bCdA0SkLHSXIg8nvG1v1qiI-tG7hHHk_XLs0_HuR_Nn_yTPT6dHO1pvoqDQ/w538-h640/%E7%90%86%E8%B2%A1%E5%B0%88%E9%A1%8C1.jpg" width="538" /></a></div><br /><p></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEii8EgPLjxVGGqc6BmkhD01wRIIlknKoA1aHOz61Q9f2IYcMpZ2EPY-4Vzdu_X0UGlaUGZ7DQbi37-nk2h1KJgQKfiVa_bibhLbSR62UjIHUTmiCsZ18DpzsW0-KogLBsuConey_1T5BsWxkyB7ZQJRuKth39cabu6VfnNwcn4v_b2N4ENlhw/s2785/%E7%90%86%E8%B2%A1%E5%B0%88%E9%A1%8C2.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2785" data-original-width="2325" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEii8EgPLjxVGGqc6BmkhD01wRIIlknKoA1aHOz61Q9f2IYcMpZ2EPY-4Vzdu_X0UGlaUGZ7DQbi37-nk2h1KJgQKfiVa_bibhLbSR62UjIHUTmiCsZ18DpzsW0-KogLBsuConey_1T5BsWxkyB7ZQJRuKth39cabu6VfnNwcn4v_b2N4ENlhw/w534-h640/%E7%90%86%E8%B2%A1%E5%B0%88%E9%A1%8C2.jpg" width="534" /></a></div><br /><p><br /></p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-8888603817618446762023-06-08T21:50:00.002+08:002023-06-09T17:23:22.084+08:00楼转乾坤◢ 各位包租公、包租婆知道长租和短租的优缺点吗?中国报<p> <span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;">作为投资者,到底长租还是短租好?这是我之前接受中国报的访问。内容出炉咯,谢谢雪仪的采访。你又有什么想法呢?</span></p><p><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;">◤会员文:楼转乾坤◢ 长租或短租更好赚?
许多人梦想当包租公、包租婆,过着坐等收租的惬意生活,每个月收收房租,就有现金可花,过过小日子。
但你可知道,如今租房子也可分为长租和短租呢?
短租指的是Airbnb、民宿或短租公寓,是一种按天计费的房屋出租方式;而长租便是我们一般理解最常见的租房方式,一般以月为单位支
付房租。
很多房东会有个困惑,到底做长租和短租哪个更好赚?还是应该评估哪个更适合自己呢?
以下将从5个层面一窥长租和短租的优缺点,让还在纠结长租还是短租的你,了解哪个更适合自己吧!
哪个适合你?</span></p><p><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"></span></p><div class="separator" style="clear: both; text-align: center;"><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiN-sCaT3Hnb6gtoqJE810u5g0tAJLSsfbcqKHBEeiNfR_8Nw3yq8aLX7s6XiwKhd2aV04wsJXKCO9KlEGbXx3Hn0Rs4meKEKXzFm-Pw9TCYw2Cpn9KzG19CEL2lGZnFFpP3DmSt_cFQwCtJWXcKSz1Nk1KVFG8CMbjIAKrdAqXbL2ceEfjcg" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="663" data-original-width="745" height="284" src="https://blogger.googleusercontent.com/img/a/AVvXsEiN-sCaT3Hnb6gtoqJE810u5g0tAJLSsfbcqKHBEeiNfR_8Nw3yq8aLX7s6XiwKhd2aV04wsJXKCO9KlEGbXx3Hn0Rs4meKEKXzFm-Pw9TCYw2Cpn9KzG19CEL2lGZnFFpP3DmSt_cFQwCtJWXcKSz1Nk1KVFG8CMbjIAKrdAqXbL2ceEfjcg=w320-h284" width="320" /></a></span></div><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><br />
财福人生教育培训学院创办人兼财务规划师杨子佑指出,如果房子地点靠近旅客偏好的热门景点、附近经常举办大小活动或是大公司集中地,充作短租会更理想。
长租通常是针对家庭或学生市场,更倾向于安静、晚上不那么嘈杂,而且交通方便的地区,比如靠近轻快铁(LRT)或捷运(MRT)。
杨子佑说,长租和短租各有各成本,短租类似做生意,需要根据市场好坏和地点好坏来管理房子。
“若没有时间管理,短租将会是个挑战,长租则可以让房东更加省心。”
看到这里,相信纠结长租或短租的你,心里已有了答案。如果你有充裕的时间和精力管理房产,可以根据需求将房子短租或长租。
若平时忙于工作或没有太多时间打理房产,那么建议把房子长租,并交给专业托管公司打理,坐享稳定房子收益,省心又省时间。
总的来说,长租和短租是相辅相成的,有些房产可以做长租也可以充当民宿,更能抵御风险。
1.租金收益
如果地点好,而且碰上旺季,短租的租金收入会比长租来得高,而且租金价格可以随着市场需求调整。
杨子佑说,如果一直有源源不断的客源,短租的收入按日计算,可赚得更多。
VKA财富管理有限公司理财规划师梁键铭接受《中国报》访问时指出,长租通常是1至3年,优点是能锁定未来的收入。</span><p></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjAZVP-XmQyU6pNBhzdTRlWfrOW9qT0aJXMcAYhPLgcds4A9PMdESRUuldBkiAUkoi3CD6NUPv4XWFySUs_vZ9B9GMSkErdSK9aWmUxbBABQl132G8JJq9njLdhoENNoxRTHhXYB3XChfw8wC0wvrodoMqsTgs_omhTuIBxqQSA2JP2NCuFjg" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="760" data-original-width="853" height="286" src="https://blogger.googleusercontent.com/img/a/AVvXsEjAZVP-XmQyU6pNBhzdTRlWfrOW9qT0aJXMcAYhPLgcds4A9PMdESRUuldBkiAUkoi3CD6NUPv4XWFySUs_vZ9B9GMSkErdSK9aWmUxbBABQl132G8JJq9njLdhoENNoxRTHhXYB3XChfw8wC0wvrodoMqsTgs_omhTuIBxqQSA2JP2NCuFjg=w320-h286" width="320" /></a></div><br /><span style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;">“如果为了偿还每月房贷而急着出租,屋主很可能愿意以较低租金出租。但如果租期太久,就算随后租金市场涨价,也只能等到合约到期</span><p></p><p><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;">才能调高租金。”
2.稳定性
长租是一次性买卖,完成交易后房东就会拥有固定租客,现金流相对较稳定、风险较低。
至于短租的租客则不如长租稳定,有旺季和淡季之分,风险较高。
旺季时房子收益升高,但淡季时房间空置率高,有可能会面临很长时间的空房,现金流较不稳定。
梁键铭说,由于短租的客源大多是旅客,所以会受大环境影响,而且也很依赖该房产有多受欢迎。
凡事都有两面。短租主要针对外出旅游的租客,可自行决定租几天,也可租几个月,灵活性比长租来得高。
3.前期投入成本
长租的前期投入成本比短租较低,只需投入首付就可以出租。
但如果要做Airbnb或民宿,前期的投资成本是一笔不小的开支,需要投入装修,提供较完整的家具和软装比如枕头套、床单、被罩等。
杨子佑指出,但如果想要提高长租的租金收益,也需要花费一笔大概几万令吉的装修费。
4.房屋耗损
长租租客退租时,如果有一些损坏地方,如果界定是正常损耗,长租的房主是不可以让租客赔钱的,需由房主承担。
至于短租房子的损耗则由短租平台和屋主共同承担。
短租租约非常短,所以每一次退房后,屋主可以立刻检查房子,如果有损耗,一般短租Airbnb有保险提供给屋主,让保险帮屋主共同承担
损耗。</span></p><p><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"></span></p><div class="separator" style="clear: both; text-align: center;"><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjOILbA5LdFK5LOh5GZw4ljOsBp1NOQvQuVrR0yEw7Tk3GKF6xns6ijuPo3Sgm3XCEsj-hU4QAT8VVJ3vZXRx_U0Fvr7Jgzz_GftlX7IU8pJMFHBubkR7LoYhIJVV-pQmN0pOvNumWoc_hP-ZgIbr9YprlWHHTqPVBkMEiPHYKAQDhbhYW2ZQ" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="609" data-original-width="1078" height="362" src="https://blogger.googleusercontent.com/img/a/AVvXsEjOILbA5LdFK5LOh5GZw4ljOsBp1NOQvQuVrR0yEw7Tk3GKF6xns6ijuPo3Sgm3XCEsj-hU4QAT8VVJ3vZXRx_U0Fvr7Jgzz_GftlX7IU8pJMFHBubkR7LoYhIJVV-pQmN0pOvNumWoc_hP-ZgIbr9YprlWHHTqPVBkMEiPHYKAQDhbhYW2ZQ=w640-h362" width="640" /></a></span></div><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><br />
杨子佑说,由于进出短租房子的租客较多且不同,可能会提高房子耗损率;若是房子租给好的长期租客,他们会帮你保管好房子,降低房
子耗损率。
5.运营成本
短租需要屋主经常查看短租平台是否有预定,也需要安排入住协助和提供清洁服务。
梁键铭说,如果不想自己管理,可考虑外包给管理公司,这也是一笔成本。
杨子佑说,短租需要放较多心思在吸引租客上。
他指出,营运成本也会比长租高,短租房东需要提供厕纸、被单、热水壶等,平均花费4000、5000令吉。
“在同一栋建筑物可能会同时出现多个短租房产,导致激烈竞争,影响短租出租率;反观长租主要不是看设计,而是以实用为主,竞争没
那么激烈。”
为了提升短租的出租率,房东需要更讲究,持续花心思在营销和服务上,比如回复顾客询问、确保房子干净。
</span><p></p><div><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><br /></span></div><p><span style="background-color: white; font-size: 15px; white-space-collapse: preserve;"><span face="Segoe UI Historic, Segoe UI, Helvetica, Arial, sans-serif" style="color: #050505;">楼转乾坤◢ 各位包租公、包租婆知道长租和短租的优缺点吗?中国报</span></span></p><p><span style="background-color: white; font-size: 15px; white-space-collapse: preserve;"><span face="Segoe UI Historic, Segoe UI, Helvetica, Arial, sans-serif" style="color: #050505;">https://www.chinapress.com.my/?p=3380903</span></span></p><p><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E6%8A%A5?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#中国报</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#培训</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#专业</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BC%81%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#企业培训</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BA%BA%E5%8A%9B%E8%B5%84%E6%BA%90?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#人力资源</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#专业培训</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%88%9B%E5%A7%8B%E8%80%85?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生创始者</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#房地产</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BA%A7%E6%89%98?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#产托</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%95%BF%E7%A7%9F?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#长租</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%9F%AD%E7%A7%9F?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#短租</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> </span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademy?__eep__=6&__cft__[0]=AZWMxbgucwSUqIcR4xNNLDCq4Zm6eS8uGc9do5TQkFDqT34EWPLhn9pT1fS5p7v9VkqjTQysqfmA464rYSkgCJT0sQ4oQgrDSVObYSaKESBnXTNwQQ55fLfXK10-yTzRHS3vbG6c-L-ucsXMv4V3qip3g2WvWtt8ik2u3c-SKgQp4g&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademy</a></span><span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;"> #wisdom #finance #learning #financialfreedom #financialplanning #future #capital #money #wealth #legacy #hrd #hrdcorp #professional #investment #properties #rent #shortrent #airbnb #REITs #reels #shorts #Tiktok</span></p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-35294577998200914182023-06-08T21:34:00.003+08:002023-06-08T21:34:33.359+08:00楼转乾坤-先買房還是買產托?中国报<p><span style="background-color: white; color: #050505; font-family: inherit; font-size: 15px; white-space-collapse: preserve;">记得之前我说的,中国报的访谈,关于,先买房,还是买产托?</span></p><p><span style="background-color: white; color: #050505; font-family: inherit; font-size: 15px; white-space-collapse: preserve;">只要登记成为会员就可以看该评论,请大家多多指教。</span></p><p><br /></p><p>報導:黃雪儀</p><p><br /></p><p>存了一筆錢 先買房還是買產托?</p><p><br /></p><p>■引言:</p><p><br /></p><p>投資買房,既可以收取租金收入,又能以房養老,所以很多人都希望能買房收租,過上包租公、包租婆的生活。</p><p><br /></p><p>其實除了直接投資房產,買產托(REITs)也是一個投資房產的渠道,而且門檻較低,只需約1000令吉就能入場。</p><p><br /></p><p>但產托真的值得買嗎?抑或應該直接投資物業,至少房契寫的是自己的名字?對一般人而言,到底應該先買房還是買產托呢?</p><p><br /></p><p>■主文:</p><p><br /></p><p>理財專家建議,還沒有房產的人們,應該先把自己的住房問題解決了,才來談投資。</p><p><br /></p><p>VKA財富管理集團理財師方穩彬回應《中國報》提問時說,先買房還是買產托(REIT),需要考量個人現金流和風險承受能力。</p><p><br /></p><p>他說,兩種投資各有好壞處,應根據投資目標選擇適合自己的,比如退休人士或者不善於管理房產的人,就適合買產托。</p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiYmJd2GCnp7da6WmI-05hcHiu6H7OvYJRjUUW6ymSc-NcPBInAPI9x4LOw0pkV8TWv-tcGCxdILLOESOAvkPefYSX6401So29XBp9I4ldkJ-KkYGNAJRxklRGCSzEkCS2ahne_hy3zEGnbXYzK0rXtT6HaUP2T_m2CC3OCd2J-bIs-wof6ow" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="667" data-original-width="660" height="400" src="https://blogger.googleusercontent.com/img/a/AVvXsEiYmJd2GCnp7da6WmI-05hcHiu6H7OvYJRjUUW6ymSc-NcPBInAPI9x4LOw0pkV8TWv-tcGCxdILLOESOAvkPefYSX6401So29XBp9I4ldkJ-KkYGNAJRxklRGCSzEkCS2ahne_hy3zEGnbXYzK0rXtT6HaUP2T_m2CC3OCd2J-bIs-wof6ow=w395-h400" width="395" /></a></div><br /><br /><p></p><p>財務規劃師楊子佑受訪時認為,每個人應至少買一間房自住,因為我國政府推崇“居者有其屋”鼓勵國人買房,長期來看,在我國買房是一項好投資。</p><p><br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg-yx9XVi4yIh9kRhhCgqe4tEcNetfFdbDFkpJtAOPPgdIytd1YHODvHNVZI8ADGpEgI5E3g0a5IbSIiLaU8HT8wD7_F-t16NN7cRT9Z3tapd-meW3KBsaA4sG7Cb_MW0a6Dq0AUWZpZevrICmiL5U461JHg1vtnK0iw_1bljWE7etQVR2_nw" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="606" data-original-width="642" height="378" src="https://blogger.googleusercontent.com/img/a/AVvXsEg-yx9XVi4yIh9kRhhCgqe4tEcNetfFdbDFkpJtAOPPgdIytd1YHODvHNVZI8ADGpEgI5E3g0a5IbSIiLaU8HT8wD7_F-t16NN7cRT9Z3tapd-meW3KBsaA4sG7Cb_MW0a6Dq0AUWZpZevrICmiL5U461JHg1vtnK0iw_1bljWE7etQVR2_nw=w400-h378" width="400" /></a></div><br /><br /><p></p><p>“在過去30、40年,大馬房產價格都出現增長,每年平均增長6%至8%,大概10至12年就會翻一倍。”</p><p><br /></p><p>他說,一個國家房價增長與政策息息相關,若政府鼓勵國人買房,房子價格就會增長,就如美國和英國。</p><p><br /></p><p>若看德國、瑞士在過去30、40年數據,當地房產價格平均值僅僅增長了70%至80%,因為當地政府主張把房產當成是基本需求。</p><p><br /></p><p>****小題:投資房產成本多</p><p><br /></p><p>不過,從成本費用方面來比較,投資房產需要投入較多資金,而且從買到手到出租,需要繳納的費用有印花稅、裝修費、中介服用費、物業費用以及后續的維修管理費用等。</p><p><br /></p><p>楊子佑說,買產托沒有這些成本,投資門檻較低,相比起買賣實體房產,只需數百令吉(取決於產托的股價)就可以入場,每個季度或半年只需坐等股息,操作較簡單,蠻適合沒有管理房產經驗的人和退休人士。</p><p><br /></p><p>“買產托的另一個好處是能分散投資,分散在不同資產與行業。因為一個產托旗下有多個資產,若其中一個物業租金表現不佳,還有其他物業收入。”</p><p><br /></p><p>方穩彬說,相比房產,買產托的流動性較高,幾時出場都可以,但賺錢與否還看中長期投資。</p><p><br /></p><p>不過,買產托就需要面對股價波動的風險,並不適合每個人,房產的價格則較為穩定。</p><p><br /></p><p>■副文:可在屬意地區租房觀察</p><p><br /></p><p>買房產的好處就有更多借貸槓桿,指的是買房時只需自備10%頭期款,剩下的90%就可以向銀行貸款;而買產托就只是1比1。</p><p><br /></p><p>楊子佑說,買產托只是1比1,用多少錢就只能買到多少錢的產托單位,反觀買房產的杠杆是1比9,買房產會比較劃算,尤其是第一間房子。</p><p><br /></p><p>儘管如此,買房並不能急,因為合適的地點很重要,他建議,有意買房者可在屬意地區附近先租房子觀察學校、醫院等公共設施的完善度,而且要經常留意政府的發展動向。</p><p><br /></p><p>“最好是買在大城市,附近有公共交通、發展項目的,但管理房產不容易,尤其是當你擁有第3、4間房產時。”</p><p><br /></p><p>不過,隨著國家銀行去年開始升息,若選擇買房投資,就務必得確保個人現金流充裕。</p><p><br /></p><p>方穩彬指出,近期許多房產投資者的租金收入都無法完全支付每月房貸供期,這意味著買房后還要“貼錢”,所以買房前一定要確保自己的現金流足夠。</p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEipfowYPt8KxwaAmCYfbYGKc3PIBwhB8bIe-nNMd67WYUPu1TlKCqO7N31Z0gyDSsH4LVT1qi8qXxgFX5e9akoHSgc4rScNa6aUzGJeI-h52H1p0i74GLy93mxG21Ow7IGuXCFAbtT9J6doNOJ6rV9SKh-tQFv0yFaY6PUOu87ByYZDDVr9Cw" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="688" data-original-width="1098" height="402" src="https://blogger.googleusercontent.com/img/a/AVvXsEipfowYPt8KxwaAmCYfbYGKc3PIBwhB8bIe-nNMd67WYUPu1TlKCqO7N31Z0gyDSsH4LVT1qi8qXxgFX5e9akoHSgc4rScNa6aUzGJeI-h52H1p0i74GLy93mxG21Ow7IGuXCFAbtT9J6doNOJ6rV9SKh-tQFv0yFaY6PUOu87ByYZDDVr9Cw=w640-h402" width="640" /></a></div><br /><br /><p></p><p>■副文:什麼是產托?</p><p><br /></p><p>房地產信托基金(簡稱產托,REIT),全名為Real Estate Investment Trust,顧名思義是一個投資房產的投資工具。 </p><p><br /></p><p>信託基金公司將匯集投資者的錢,購買各類不動產,比如購物商場、酒店、辦公樓及工業倉庫等,再出租來賺取租金收入。</p><p><br /></p><p>你去過吉隆坡谷中城購物中心(Mid Valley Megamall)和The Gardens Mall嗎?其實首都這兩家著名購物廣場,都是怡保花園產託(IGBREIT,5227,主要板產託)旗下的資產。</p><p><br /></p><p>大部分信託基金公司會在每半年或每個季度,以收益分配方式派發股息給投資者。</p><p><br /></p><p>■副文:先了解才投資</p><p><br /></p><p>在決定投資產托之前,必需先了解各個產托的資產組合,才能挑到一個能穩定賺錢的產托。</p><p><br /></p><p>理財師認為,挑選產托需要看的2項指標,是產托種類和股息回酬率(dividend yield)。</p><p><br /></p><p>每個產托的物業種類、資產素質和獲利能力都不同,例如酒店、工業建築、商場等。</p><p><br /></p><p>方穩彬說,如果產托的資產種類較多,那麼租金收入就比較穩定,不會因為某項資產租戶冷清而影響租金收入,繼而影響投資者獲得的股息。</p><p><br /></p><p>楊子佑指出,工業產托和醫院的租戶合約通常是長期的,所以相對零售商場,風險較低。</p><p><br /></p><p>“若是辦公室資產,則要謹慎挑選,因為吉隆坡的辦公室已經供過於求,加上疫情導致居家辦公盛行,而且租戶可以隨時更換合約。”</p><p><br /></p><p>若買產托,要考量資產本質是否會受到經濟影響,比如醫院、學校就不大會受到經濟影響。</p><p><br /></p><p>無論如何,買房或買產托都是中長期投資,兩者亦能相輔相成,各有千秋。但這兩者都不是穩賺不賠的,因此投資前務必得做足功課,同時以個人投資目標和能力為準。</p><p><br /></p><div class="x11i5rnm xat24cr x1mh8g0r x1vvkbs xtlvy1s x126k92a" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space-collapse: preserve;"><div dir="auto" style="font-family: inherit;">楼转乾坤◢ 先买房还是买产托?</div><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1fey0fg" href="https://www.chinapress.com.my/?p=3300729&fbclid=IwAR3DfJkhnJMfRBUrachwHeGek42b7cfqLhbN48zXE0QEd90sYYQSWaFrOa4" rel="nofollow noreferrer" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0" target="_blank">https://www.chinapress.com.my/?p=3300729</a></span> </div><div dir="auto" style="font-family: inherit;"><br /></div></div><div class="x11i5rnm xat24cr x1mh8g0r x1vvkbs xtlvy1s x126k92a" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space-collapse: preserve;"><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E6%8A%A5?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#中国报</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#培训</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#专业</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BC%81%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#企业培训</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BA%BA%E5%8A%9B%E8%B5%84%E6%BA%90?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#人力资源</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#专业培训</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%88%9B%E5%A7%8B%E8%80%85?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生创始者</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#房地产</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BA%A7%E6%89%98?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#产托</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span> <span style="font-family: inherit;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademy?__eep__=6&__cft__[0]=AZXpmcUnFZszd7xfLd02zAPFIECSKWFjjpfxvdA3MN6IHMLjJrKAwRqJgN5w-9ltK-5B5dvW0-y87tBTpUPY7NqkADBrZ0sUPO-D2ITtttmIRg1g3STd-Kki9sZJY2DvA_kxyFQenwCcxlO6vBtRfQ4R&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademy</a></span> #wisdom #finance #learning #financialfreedom #financialplanning #future #capital #money #wealth #legacy #governance #corporate #hrd #hrdcorp #professional #investment #properties #REITs #reels #shorts #Tiktok</div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-70240559735795128652023-06-08T21:24:00.000+08:002023-06-08T21:24:30.140+08:00抵押公积金正规借贷 比信用卡 大耳窿更实惠 |中國報<div data-draftjs-conductor-fragment="{"blocks":[{"key":"140ar","text":"究竟要留着“吃利息”,还是抵押去借钱,自己想好好......中国报","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3m1h3","text":"两天里面,两次临时的接受电话访谈,同样的热门课题,谢谢雯缨-中国报,把电话访谈和整理出来。究竟要留着“吃利息”,还是抵押去借钱,自己想好好......","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a1ia5","text":"政府今天公布的EPF抵押借贷政策,包括利与弊. 这种政策,究竟是好或不好?用在什么用途值得去申请,对经济的影响等。 还没到24小时,目前已经有1万3千多的点阅率。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.9.0"}" style="white-space-collapse: preserve;"><div class="JvlZN rqyPc TnW2P public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="foo-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="foo-0-0"><span data-offset-key="foo-0-0">究竟要留着“吃利息”,还是抵押去借钱,自己想好好......中国报</span></div></div><div class="JvlZN rqyPc TnW2P public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2ead3-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2ead3-0-0"><span data-offset-key="2ead3-0-0">两天里面,两次临时的接受电话访谈,同样的热门课题,谢谢雯缨-中国报,把电话访谈和整理出来。究竟要留着“吃利息”,还是抵押去借钱,自己想好好......</span></div></div></div><p><span style="white-space-collapse: preserve;">政府今天公布的EPF抵押借贷政策,包括利与弊. 这种政策,究竟是好或不好?用在什么用途值得去申请,对经济的影响等。 还没到24小时,目前已经有1万3千多的点阅率。</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">(吉隆坡5日讯)分析师认为,抵押<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>借贷计划不仅可让民众以较低廉的利率向正规渠道借贷,还能让民众摆正心态,重建对填补退休金的责任感,简单来说,好过“借大耳窿”!</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">亚企理财中心税务与财务谘询总监拿督蔡兆源接受《中国报》电访时说:“在前4次<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>提款计划后,很少会员会主动填补这笔缺口,但若透过抵押借贷,反而能为退休金建立起保护网,提醒民众必须有责任地填补<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">他说,根据<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>局数据,B40低收入群体多达360万人,但却只占总存款不足1%,因此人民应调整好心态,别轻易动用退休金。</p><div id="underlay_wrapper" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; text-align: justify;"></div><div id="ivs-marker" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; height: 0px !important; text-align: justify; width: 0px !important;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">根据最新发布的“<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>第二户头支援工具计划”(FSA2)细节,40岁以上、未满55岁的会员可将<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>第二户头作为抵押向银行借贷,并在50至55岁时偿还相关数额。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><figure class="wp-block-image size-full" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin: 0px 0px 1rem; text-align: justify;"><img alt="" class="wp-image-3375376 img-fluid" decoding="async" height="420" loading="lazy" sizes="(max-width: 600px) 100vw, 600px" src="https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF.jpg" srcset="https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF.jpg 600w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF-400x280.jpg 400w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF-449x314.jpg 449w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF-373x261.jpg 373w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF-224x157.jpg 224w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20a_EPF-597x418.jpg 597w" style="border: 0px none; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="600" /></figure><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">同时,参与上述计划的银行将提供4%至5%年利率,对此,财福人生教育培训学院创办人兼财务规划师杨子佑认为,这个利率水平已比个人贷款利率介于10%至12%、信用卡利率15%至18%,亦或是非法借贷公司60%至300%的“天价利率”,远来的实惠。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><figure class="wp-block-image size-full" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin: 0px 0px 1rem; text-align: justify;"><img alt="" class="wp-image-3375386 img-fluid" decoding="async" height="600" loading="lazy" sizes="(max-width: 540px) 100vw, 540px" src="https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF.jpg" srcset="https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF.jpg 540w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF-270x300.jpg 270w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF-283x314.jpg 283w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF-235x261.jpg 235w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF-141x157.jpg 141w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20b_Financial_EPF-376x418.jpg 376w" style="border: 0px none; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="540" /><figcaption class="wp-element-caption" style="box-sizing: border-box; color: grey; font-size: 0.8em;">杨子佑</figcaption></figure><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">“会员在抵押<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>来贷款之际,其存款还会保留在第二户头并享有派息;由于<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>平均派息率高达5.8%,仍高于借贷成本,所以这个措施对会员也是相当友好。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">尽管如此,杨子佑提醒,银行会对个人财务状况、摊还期限等进行评估,借贷实际利率或许会再高1%至2%。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">因此,他促请民众三思,若非财务陷入困境或流动性紧张,尽量不要申请这项贷款。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"><span style="box-sizing: border-box; font-weight: bolder;">政治炒作罔顾人民福祉</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">蔡兆源指出,抵押<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>借贷计划其实是减轻人民生活负担的其中一项措施,而且是涉及人民老年生活福祉的“下下之策”,部分政治人物一味炒作课题是“非常不负责任”。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">“这项计划不能视为解决民困的单一措施,提领<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>只是其中一个解决方案,因为政府更希望民众别在非紧急情况下提前取用退休金。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><figure class="wp-block-image size-full" style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin: 0px 0px 1rem; text-align: justify;"><img alt="" class="wp-image-3375391 img-fluid" decoding="async" height="600" loading="lazy" sizes="(max-width: 528px) 100vw, 528px" src="https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF.jpg" srcset="https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF.jpg 528w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF-264x300.jpg 264w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF-276x314.jpg 276w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF-230x261.jpg 230w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF-138x157.jpg 138w, https://www.chinapress.com.my/wp-content/uploads/2023/04/20230406pfb20c_Financial_EPF-368x418.jpg 368w" style="border: 0px none; box-sizing: border-box; height: auto; max-width: 100%; vertical-align: middle;" width="528" /><figcaption class="wp-element-caption" style="box-sizing: border-box; color: grey; font-size: 0.8em;">蔡兆源</figcaption></figure><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;"></p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">“反对党屡次要求政府开放提领<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>,却没有针对退休金提出更好的建议;这种罔顾人民福祉的行为属实不负责任。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">他说,除了<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://www.chinapress.com.my/tag/%e5%85%ac%e7%a7%af%e9%87%91/" ref="www.chinapress.com.my/?p=3375343" style="background-color: transparent; box-sizing: border-box; color: #729098; cursor: pointer; text-decoration-line: none;" tag="公积金">公积金</a></span>,食品和燃油补贴等政策都是短期措施,长期来看,唯有提高人民技能及收入,才能完全解决生活成本高涨的问题。</p><p style="background-color: white; box-sizing: border-box; color: #212529; font-family: "helvetica neue", Helvetica, Arial, sans-serif; font-size: 16px; margin-bottom: 1rem; margin-top: 0px; text-align: justify;">他也看好,首相拿督斯里安华访华获中国承诺高达1700亿令吉的投资金额,未来可促进国内先进科技发展,继而增加更多高价值就业机会。</p><p>抵押公积金正规借贷 比信用卡 大耳窿更实惠 |中國報 </p><p>https://www.chinapress.com.my/?p=3375343</p><p><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B5%84%E6%B1%87?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#资汇</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%87%B4%E5%AF%8C?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#致富</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%85%AC%E7%A7%AF%E9%87%91?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#公积金</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%B7%E6%AC%BE?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#贷款</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%B5%E6%8A%BC?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#抵押</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E7%94%B1?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自由</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%88%86%E6%95%A3%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#分散投资</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%AE%BF%E8%B0%88?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#访谈</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%88%A9%E7%8E%87?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#利率</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E6%8A%A5?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#中国报</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%96%B0%E9%97%BB?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#新闻</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/biz?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#biz</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/personal?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#personal</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/finance?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#finance</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/ccn?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#ccn</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/chinapress?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#chinapress</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/biz?__eep__=6&__cft__[0]=AZUFKJOkBq90iwcBQOUuWPlt-GFZNEPmVc4BFXqfYqfLgZLHUeagmfFsnoLuyO9bpn8Igu99VcwRobegaCnRGKEMKikuO9wk003M-VVz4sytnxV5s6rX4CAIsj-Ihs2bXuI&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#biz</a></span><span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> #news #EPF #loan</span></p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-24239686219011249782023-06-08T21:13:00.001+08:002023-06-08T21:13:35.073+08:00星洲日報/活用理财 投资小有成 备儿教育费 中年夫妇规划提早退休<p> <span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;">这是我的第六篇财务分析-“投资小有成, 备儿教育费中年夫妇规划提早退休- 财经- 活用理财”,给星洲日报的读者,希望对他有帮助。</span></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGWMvEYZ5Wy3DS_hcdNxnweF-cuncWmfN4D-WC5IGWuB4yb636lxul3LHUBvVWt0fRJ7BrOcu5nJiwbhMeV9qX7sCTCjjMxcKTgrsTVG4dVkfS-_nOvQzjnQDhxCAVAQhULCzL7gznUd58pWPOvySu9Nujzjkw6-wkasFXVB22BfMA_yz_Jw/s700/186707876_l37389298-20230306223405-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="465" data-original-width="700" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGWMvEYZ5Wy3DS_hcdNxnweF-cuncWmfN4D-WC5IGWuB4yb636lxul3LHUBvVWt0fRJ7BrOcu5nJiwbhMeV9qX7sCTCjjMxcKTgrsTVG4dVkfS-_nOvQzjnQDhxCAVAQhULCzL7gznUd58pWPOvySu9Nujzjkw6-wkasFXVB22BfMA_yz_Jw/w640-h426/186707876_l37389298-20230306223405-1.jpg" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><span style="background-color: white; color: purple; font-family: Arial; font-size: 14px; font-weight: bolder; text-align: left;"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><span style="background-color: white; color: purple; font-family: Arial; font-size: 14px; font-weight: bolder; text-align: left;">我是读者黄先生,时常有阅读《星洲日报》理财与财务管理的专栏。</span></div><p></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">我本人(47岁)与太太(48岁)都是打工一族,有两位小孩,各12岁与9岁,就读华小,是一个小康家庭。双方高堂还健在。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">我本人很热衷在退休时多参与慈善活动(如做义工等等)希望你能帮我们看看如何能提早达到财富自由,迈向退休人生。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">假设我们夫妻两人在55岁退休,又或者不幸地提早被企业裁员,导致财务状况还未达到理想的财富自由,我有想过或会兼职驾驶电召车和教补习,太太也能在家里当起半日制保姆,帮忙上班族看顾小孩,或烘焙糕点上网售卖等等,赚取基本的日常生活费。请问此举可行吗?</span></span></p><p id="gNpbuvU" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="size-full wp-image-4530753 aligncenter" height="509" loading="lazy" sizes="(max-width: 582px) 100vw, 582px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ab82d604.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ab82d604.jpeg 582w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ab82d604-400x350.jpeg 400w" style="box-sizing: border-box; vertical-align: middle;" width="582" /></p><p id="kTXSoHr" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="size-full wp-image-4530755 aligncenter" height="723" loading="lazy" sizes="(max-width: 576px) 100vw, 576px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ac472625.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ac472625.jpeg 576w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ac472625-319x400.jpeg 319w" style="box-sizing: border-box; vertical-align: middle;" width="576" /></p><p id="DAYLriC" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="size-full wp-image-4530758 aligncenter" height="689" loading="lazy" sizes="(max-width: 579px) 100vw, 579px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0acdc6989.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0acdc6989.jpeg 579w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0acdc6989-336x400.jpeg 336w" style="box-sizing: border-box; vertical-align: middle;" width="579" /></p><p id="fzIPzFg" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="size-full wp-image-4530762 aligncenter" height="155" loading="lazy" sizes="(max-width: 800px) 100vw, 800px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ad7360d0.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ad7360d0.jpeg 800w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ad7360d0-400x78.jpeg 400w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0ad7360d0-768x149.jpeg 768w" style="box-sizing: border-box; vertical-align: middle; width: 692.667px;" width="800" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone wp-image-4519742 size-medium" height="181" loading="lazy" sizes="(max-width: 400px) 100vw, 400px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/%E6%A5%8A%E5%AD%90%E4%BD%91-wpp1678112632300-400x181.jpg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/楊子佑-wpp1678112632300-400x181.jpg 400w, https://www.sinchew.com.my/wp-content/uploads/2023/03/楊子佑-wpp1678112632300.jpg 517w" style="box-sizing: border-box; vertical-align: middle;" width="400" /></p><p id="BAtnGOJ" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="size-full wp-image-4530765 aligncenter" height="444" loading="lazy" sizes="(max-width: 800px) 100vw, 800px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0afc2a372.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0afc2a372.jpeg 800w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0afc2a372-400x222.jpeg 400w, https://www.sinchew.com.my/wp-content/uploads/2023/03/img_640c0afc2a372-768x426.jpeg 768w" style="box-sizing: border-box; vertical-align: middle; width: 692.667px;" width="800" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">答:</span></span>黄先生,你用共同夫妻收入,所以,我就计算你们同时在8年后一起退休,也就是你的太太延长至56岁退休。你们退休时,尚需要供店铺多10年,第一位孩子基本上已经进入大学,而第二位,在中学,你们可能还需要支援他们一些开销。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">鉴于你们有供SSPN,所以,只要孩子在本地读书,基本上是可以向高教部借钱读书(政府或私人学府都可以,利息低,第一等优越成绩又不必归还),如果出国读书,大约每个孩子需要预算最少100多万令吉或以上,作为<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://klse.i3investor.com/tag/%e6%95%99%e8%82%b2%e8%b4%b9/" ref="www.sinchew.com.my/?p=4519737" style="box-sizing: border-box; color: #0d6efd; text-decoration-line: none;" tag="教育费">教育费</a></span>。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">应鼓励孩子争取奖学金</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">但还是鼓励孩子努力读书,拿好成绩,然后争取奖学金,这是对父母和孩子都是最好的。有些家长资金有限,就只是准备第一年的学费和生活费,然后,让孩子自己去打工,或用第一年的好成绩去争取助学金/奖学金。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">当然,有些有能力的家长,宁愿单独支援孩子读书,也不愿孩子因为助学金/奖学金的一些回来公司或国家服务条款被限制发展。这些都是可以伸缩性处理,到时和孩子好好讨论关于你的25年退休计算,如果根据你的目前每月开销RM19,100,然后算入通货膨胀的5%,55岁时,你们需要大约RM10,766,190。要达到这样的退休金,又不计算目前所拥有的资产,你需要每个月投资RM67,980进入可以给你每年回酬大约9%的投资工具。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">如果非常保守估计,你各类投资、房地产和储蓄未来8年后的价值,大约有RM7,704,067,尚有缺口RM3,062,123。要补上这个缺口,你需要每个月投资R M21,895予可以每年给你9%回酬的投资工具才够。但是,目前看回你的财务盈余只有RM12,695,所以,还是不够。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">财务分析和蓝图需每年更新</span></span></h5><div><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></div><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">黄先生不必气馁,因为这个计算是从目前状况来看的,也计算你一直承担双方父母开销、孩子开销,以及供店铺,这是不可能的,因为3年后,第一位孩子毕业,6年后,第2位孩子毕业,和10年后,店铺供完,开销就小很多了。这就是为甚么个人财务分析和蓝图需要每年跟进和更新,以应对自己喜好、家庭状况等情况改变而修改。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">如果预算店铺在55岁供完,也没有工作、租金和投资利息(目前是RM11,790)基本上勉强可以支撑每个月开销(目前是RM12,800),更何况孩子毕业后,有工作就不必去支援孩子的生活费,甚至还可以得到孩子的赡养费。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">还有一项好消息的就是,店铺的租金往往每两年都可以调高一次,所以,到时的租金就更多了,基本上退休到100岁,无需工作,也是没问题的。公寓、排屋租金或投资,8年后也涨了不少。投资房地产的秘诀一直以来都是“地点”,需要警惕房地产所在地的人口,附近城镇的变化和当地政府的规划。这些都是影响房地产的价值。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><br /></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">退休后兴趣可以发展成生意</span></span></h5><div><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></div><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">其实,退休后生活无所事事是要不得的,人太闲就很容易想太多,身体不动,很容易出毛病。搞一些简单、轻松的小生意、咨询服务是不错的。其实,有些退休人士做电召车司机,主要是可以和乘客聊天解闷,又可以赚钱和打发时间,认识新朋友。只是8年后,在大马是否还需要人来驾电召车,我就不是很确定,可能到时候是机器人驾车了。有些兴趣,其实也可以演变成一门生意,比如,园艺或烘焙,条条大路通罗马。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">其实,黄先生退休后专注在义工和服务大众,基本上是不会有财务上的压力,除非有重大事故,比如被骗、投资失误、大笔医疗开销等等,亏掉之前累积的钱。我听过一个真实个案,有位老工程师退休时。公积金大约有500万,基本上退休后的财务足够安详晚年,但因为退休后无所事事,认识了年轻漂亮女子,很快在5年内,把之前的500万挥霍完,晚年凄凉可想而知。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-medium wp-image-4519744" height="357" loading="lazy" sizes="(max-width: 400px) 100vw, 400px" src="https://www.sinchew.com.my/wp-content/uploads/2023/03/m12-400x223.jpg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/03/m12-400x223.jpg 400w, https://www.sinchew.com.my/wp-content/uploads/2023/03/m12-1024x572.jpg 1024w, https://www.sinchew.com.my/wp-content/uploads/2023/03/m12-768x429.jpg 768w, https://www.sinchew.com.my/wp-content/uploads/2023/03/m12.jpg 1155w" style="box-sizing: border-box; vertical-align: middle;" width="640" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"e5b77","text":"星洲日報/活用理财 投资小有成 备儿教育费 中年夫妇规划提早退休","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"textAlignment":"left"}},{"key":"bhiq5","text":"https://www.sinchew.com.my/?p=4519737","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"textAlignment":"left"}},{"key":"b9fct","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"textAlignment":"left"}},{"key":"2lqsm","text":"#财富问诊 #星洲日报 #活用理财 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #财务规划#退休 #与钱同行 #财务自主 #储蓄 #投资 #与钱同行 #财福人生导师 #财福人生教育培训学院 #财富传承 #买工厂 #房地产 #教育 #孩子 #大学 #产托 #学费 #租金 #义工 #慈善 #退休 #教育 #教育费 #奖学金 # #financialliteracystory #moneylifeacademysb #moneymastermy #YongChuEu #investment #financial #retirement #education #property #invest #sinchew","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":5,"key":0},{"offset":6,"length":5,"key":1},{"offset":12,"length":5,"key":2},{"offset":18,"length":3,"key":3},{"offset":22,"length":3,"key":4},{"offset":26,"length":6,"key":5},{"offset":33,"length":5,"key":6},{"offset":39,"length":5,"key":7},{"offset":45,"length":5,"key":8},{"offset":50,"length":3,"key":9},{"offset":54,"length":5,"key":10},{"offset":60,"length":5,"key":11},{"offset":66,"length":3,"key":12},{"offset":70,"length":3,"key":13},{"offset":74,"length":5,"key":14},{"offset":80,"length":7,"key":15},{"offset":88,"length":11,"key":16},{"offset":100,"length":5,"key":17},{"offset":106,"length":4,"key":18},{"offset":111,"length":4,"key":19},{"offset":116,"length":3,"key":20},{"offset":120,"length":3,"key":21},{"offset":124,"length":3,"key":22},{"offset":128,"length":3,"key":23},{"offset":132,"length":3,"key":24},{"offset":136,"length":3,"key":25},{"offset":140,"length":3,"key":26},{"offset":144,"length":3,"key":27},{"offset":148,"length":3,"key":28}],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"1":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"2":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"3":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"4":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"5":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"6":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"7":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"8":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"9":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"10":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"11":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"12":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"13":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"14":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"15":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"16":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"17":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"18":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E4%B9%B0%E5%B7%A5%E5%8E%82?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"19":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"20":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"21":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E5%AD%A9%E5%AD%90?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"22":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E5%A4%A7%E5%AD%A6?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"23":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E4%BA%A7%E6%89%98?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"24":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E5%AD%A6%E8%B4%B9?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"25":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E7%A7%9F%E9%87%91?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"26":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E4%B9%89%E5%B7%A5?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"27":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%85%88%E5%96%84?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}},"28":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R"}}},"VERSION":"9.9.0"}" style="white-space-collapse: preserve;"><div class="JvlZN rqyPc TnW2P x6pUR public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="am83g-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="am83g-0-0"><span data-offset-key="am83g-0-0">星洲日報/活用理财 投资小有成 备儿教育费 中年夫妇规划提早退休</span></div></div><div class="JvlZN rqyPc TnW2P x6pUR public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2gls5-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2gls5-0-0"><span data-offset-key="2gls5-0-0">https://www.sinchew.com.my/?p=4519737</span></div></div><div class="JvlZN rqyPc TnW2P x6pUR public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6rt74-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6rt74-0-0"><span data-offset-key="6rt74-0-0"><br data-text="true" /></span></div></div><div class="JvlZN rqyPc TnW2P public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ftgfh-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ftgfh-0-0"><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-0-0">#财富问诊</span></a><span data-offset-key="ftgfh-1-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-2-0">#星洲日报</span></a><span data-offset-key="ftgfh-3-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-4-0">#活用理财</span></a><span data-offset-key="ftgfh-5-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-6-0">#财经</span></a><span data-offset-key="ftgfh-7-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-8-0">#理财</span></a><span data-offset-key="ftgfh-9-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-10-0">#杨子佑硕士</span></a><span data-offset-key="ftgfh-11-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-12-0">#财福人生</span></a><span data-offset-key="ftgfh-13-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-14-0">#财商思维</span></a><span data-offset-key="ftgfh-15-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-16-0">#财务规划</span></a><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-17-0">#退休</span></a><span data-offset-key="ftgfh-18-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-19-0">#与钱同行</span></a><span data-offset-key="ftgfh-20-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-21-0">#财务自主</span></a><span data-offset-key="ftgfh-22-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-23-0">#储蓄</span></a><span data-offset-key="ftgfh-24-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-25-0">#投资</span></a><span data-offset-key="ftgfh-26-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-27-0">#与钱同行</span></a><span data-offset-key="ftgfh-28-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-29-0">#财福人生导师</span></a><span data-offset-key="ftgfh-30-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-31-0">#财福人生教育培训学院</span></a><span data-offset-key="ftgfh-32-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-33-0">#财富传承</span></a><span data-offset-key="ftgfh-34-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B9%B0%E5%B7%A5%E5%8E%82?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-35-0">#买工厂</span></a><span data-offset-key="ftgfh-36-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-37-0">#房地产</span></a><span data-offset-key="ftgfh-38-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-39-0">#教育</span></a><span data-offset-key="ftgfh-40-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%AD%A9%E5%AD%90?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-41-0">#孩子</span></a><span data-offset-key="ftgfh-42-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%A4%A7%E5%AD%A6?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-43-0">#大学</span></a><span data-offset-key="ftgfh-44-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%BA%A7%E6%89%98?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-45-0">#产托</span></a><span data-offset-key="ftgfh-46-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%AD%A6%E8%B4%B9?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-47-0">#学费</span></a><span data-offset-key="ftgfh-48-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%A7%9F%E9%87%91?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-49-0">#租金</span></a><span data-offset-key="ftgfh-50-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B9%89%E5%B7%A5?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-51-0">#义工</span></a><span data-offset-key="ftgfh-52-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%85%88%E5%96%84?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-53-0">#慈善</span></a><span data-offset-key="ftgfh-54-0"> </span><a class="TWoY9 itht3" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWwJbRPshZDsG3v7uGfK3c36HEAXxOTyyxcsSTt8ebzsaOX4CV6GOV_ZiUx7imtl3Qux5J7Q76PvahNSPY7owTMEHZLyegHi9VjA6Rx6K6eS0AYGkFyccL1xbjlKAjbs-k&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ftgfh-55-0">#退休</span></a><span data-offset-key="ftgfh-56-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.教育" target="_self"><span data-offset-key="ftgfh-57-0">#教育</span></a><span data-offset-key="ftgfh-58-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.教育费" target="_self"><span data-offset-key="ftgfh-59-0">#教育费</span></a><span data-offset-key="ftgfh-60-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.奖学金" target="_self"><span data-offset-key="ftgfh-61-0">#奖学金</span></a><span data-offset-key="ftgfh-62-0"> # </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.financialliteracystory" target="_self"><span data-offset-key="ftgfh-63-0">#financialliteracystory</span></a><span data-offset-key="ftgfh-64-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.moneylifeacademysb" target="_self"><span data-offset-key="ftgfh-65-0">#moneylifeacademysb</span></a><span data-offset-key="ftgfh-66-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.moneymastermy" target="_self"><span data-offset-key="ftgfh-67-0">#moneymastermy</span></a><span data-offset-key="ftgfh-68-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.yongchueu" target="_self"><span data-offset-key="ftgfh-69-0">#YongChuEu</span></a><span data-offset-key="ftgfh-70-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.investment" target="_self"><span data-offset-key="ftgfh-71-0">#investment</span></a><span data-offset-key="ftgfh-72-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.financial" target="_self"><span data-offset-key="ftgfh-73-0">#financial</span></a><span data-offset-key="ftgfh-74-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.retirement" target="_self"><span data-offset-key="ftgfh-75-0">#retirement</span></a><span data-offset-key="ftgfh-76-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.education" target="_self"><span data-offset-key="ftgfh-77-0">#education</span></a><span data-offset-key="ftgfh-78-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.property" target="_self"><span data-offset-key="ftgfh-79-0">#property</span></a><span data-offset-key="ftgfh-80-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.invest" target="_self"><span data-offset-key="ftgfh-81-0">#invest</span></a><span data-offset-key="ftgfh-82-0"> </span><a class="pTfsW" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.sinchew" target="_self"><span data-offset-key="ftgfh-83-0">#sinchew</span></a></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-3090451536021090422023-06-08T20:59:00.002+08:002023-06-08T21:03:06.037+08:00星洲日報/活用理财 每月净赚RM2800 却存不到钱<p> <span face=""Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif" style="background-color: white; color: #050505; font-size: 15px; white-space-collapse: preserve;">这是我忘了第几篇了,供稿给星洲日报-活用理财,这个问题,我用我很多自己和马来西亚生活的方式来回答如何节俭,但是节俭不是唯一可以调整现金流的方式,还有学习来提高自己的赚钱能力等等。没有现金流,那怕是最高薪水的打工皇帝或最赚钱的公司也一样会破产,随意别小看现金流。</span></p><p><span style="background-color: white; color: purple; font-family: Arial; font-size: 14px; font-weight: bolder; white-space-collapse: preserve;"></span></p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIUaohKi5Wy_E1QS7QyTpatFsdf8uySDYGniiTJCAO6-GC6k8PTFGKAlRkDk6HKpkgwEtFXsUAh0MpqoEI3hWZPpp1GE9vBqWvrfMi_e5IBAf5IQcDpdXAZfpbtuX7A1DWp56o77ldRpi8eflJdM4PCadkHMhoqHU6uYWSYLhf8R9v5Gw5tg/s1069/Screenshot%202023-06-08%20210106.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="1069" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiIUaohKi5Wy_E1QS7QyTpatFsdf8uySDYGniiTJCAO6-GC6k8PTFGKAlRkDk6HKpkgwEtFXsUAh0MpqoEI3hWZPpp1GE9vBqWvrfMi_e5IBAf5IQcDpdXAZfpbtuX7A1DWp56o77ldRpi8eflJdM4PCadkHMhoqHU6uYWSYLhf8R9v5Gw5tg/w640-h400/Screenshot%202023-06-08%20210106.png" width="640" /></a></div><div class="separator" style="clear: both; text-align: center;"><span style="background-color: white; color: purple; font-family: Arial; font-size: 14px; font-weight: bolder; text-align: left; white-space-collapse: preserve;">理财师,你好,我想知道,为什么我每个月净收入2800令吉也存不到钱?</span></div></div><div class="separator" style="clear: both; text-align: center;"><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">请问有什么方法可以<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://klse.i3investor.com/tag/%e5%ad%98%e9%92%b1/" ref="www.sinchew.com.my/?p=4617010" style="box-sizing: border-box; color: #0d6efd; text-decoration-line: none;" tag="存钱">存钱</a></span>?</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">以下是我每个月的开销(令吉):</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">供车:800(6月起,供9年)</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">电费:160</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">水费:30</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">电话费:86</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">收费电视台:80</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">信用卡:220(1年,刚从11月起)</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">伙食费:800</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">车油费:450</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">房屋贷款:2000(有的时候)</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">无助的人May</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4617015" height="728" loading="lazy" sizes="(max-width: 608px) 100vw, 608px" src="https://www.sinchew.com.my/wp-content/uploads/2023/04/chart.jpg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/04/chart.jpg 608w, https://www.sinchew.com.my/wp-content/uploads/2023/04/chart-334x400.jpg 334w" style="box-sizing: border-box; vertical-align: middle;" width="608" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">答:</span></span>首先根据你的现金流。如果把房屋贷款算入,那么,其实你的财务就会当下陷入困境,除非你用信用卡来赊账其它开销,但是这样做也是无法长久,而且风险很大,因为信用卡的利息非常高。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">看到你的收费电视台开销,就让我想起友人的一则故事,他的朋友有一天忽然打电话要向他借钱,要紧急还水电费。我的朋友说,待会把钱按出来,去他的家交给他,但当他到达朋友家时,全家人坐在电视前看收费电视台。我的朋友就好奇,何以本末倒置去签购收费电视台,而忽略了水电费,毕竟水电费是重要的基本开销,而收费电视台只是可有可无的开销。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">当问清楚状况后,我的朋友选择不借钱,因为不认同其友人的做法,也不想他一错再错。他内心在想,我自己的收入比他高很多,甚至拥有几间屋子,我都没有签购收费电视台,本身是足球迷的他,有时还带孩子去嘛嘛档看足球比赛呢。希望这则故事对May和读者有所启发。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">须辨别“需要”和“想要”开销</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">你的开销的确需要重新调整和分辨,尤其是哪些是“需要”,哪些是“想要”,需要是基本生活需求,忽略不得,比如吃喝住行,但是”想要”确实可有可无,比如奢侈品。开销中应该优先处理必须品,当财务上许可,再来满足想要的奢侈品和更豪华的生活方式。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">比尔盖茨有非常好的一句话,“我要确保我每花的一分钱值得”,那我们稍微调整为“我们要确保每花的一分线和时间,可以为自己和家人创造价值和美好回忆”,这是一个非常好的一项指导,作为花钱准则。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">在电话费开销方面,其实,不懂何以是86令吉,因为据我了解,大概50令吉左右都可以得到不错的服务(无限通话以及无限、不错的网络速度)。当然,近期,政府也为收入中下的人民设立便宜的电话网络配套,值得一试,以减少开销。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">自煮可省伙食费</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">在伙食费方面,我个人也是有一些小经验,供你参考。在巴刹、早晚市集或大排档的食物价格比较便宜。如果工作靠近住家,午餐回家吃也可以省下很多,而且比较健康。如果,家里有5个人或以上,在家煮会便宜过出外用餐。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">至于电费方面的建议,如果冷气配合风扇,基本上是可以减少电费,在加上可以参考一些国家把冷气设定最低25度,因为25度是属于非常舒适的环境,太低就是属于奢侈消费,浪费资源,不必像有些人把冷气设在16度,但却盖很厚的被单。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">先保留供贷和<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://klse.i3investor.com/tag/%e5%82%a8%e8%93%84/" ref="www.sinchew.com.my/?p=4617010" style="box-sizing: border-box; color: #0d6efd; text-decoration-line: none;" tag="储蓄">储蓄</a></span>部份</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">当你稍微调整和减少开销后,可以储蓄到钱的习惯在于拿到钱后,把要供的贷款和储蓄的部份先保留。其余的在用于其他花费,这样你才可以储蓄到钱。大部份人都是反方向,先花费,有余钱才储蓄,这样多半是储蓄不到钱的。另外,这里的储蓄只是第一步,需要积极根据你可接受的风险或熟悉的投资工具投资。如果不懂,也没兴趣和时间,那么考虑找一位专业、可信赖和用有执照的理财师,可以得到事半功倍的效果。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">在你的现金流里,没有注明是否有购买保险保障,这是不健康的。我们需要准备10至15%的收入用于购买人寿、疾病、住院、意外等保障。把我们会面对的个人和财务风险通过保险合约转嫁给保险公司,避免任何健康问题或意外拖垮自己的财务和家人。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">乘坐公交一箭双雕</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">在交通费用上,现在政府给予便宜、每个月无限制乘坐公共交通的配套是非常不错的,如果你是住在雪隆一带。而且,目前公共交通便利所涵盖的地方比以前增加很多。乘坐公共交通工具,除了可以多走动(乘坐私人交通比起公共交通会减少你的走动),可以善用乘坐时间看书、听书、听新闻等学习上,一箭双雕。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">谨慎善用信用卡</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">在信用卡的部份,信用卡其实是很好的工具,尤其是现在可以和电子钱包应用程式间接绑在一起,同时,现在到处都可以接受电子钱包,信用卡的限额,就变成你可以自由调动,用于紧急开销、大笔开销和加强你的财务流动的好工具,但它也犹如刀一样,同样有风险,因为利息是最高的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">安全应对它的方式就是确保每个月还完账单数额(Statement Amount,不是最低数额——Minimun Amount),这样你就可以免利息周转银行的钱,否则,每个月利滚利可以是天文数字的债务。同时,因为有信用卡,也让你更容易有消费的冲动和举动,要小心处理。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">现有资料上有提起房屋贷款,但May没有提及是否单身或结婚,如果是单身或小家庭,可以考虑出租屋子,然后选择和家人一起住,除了有家人照应,也可以得到伙食的支援。这样你的收入就会增加很多。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">除了节流 也要开源</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">前文所谈的多数为调整开销的实战建议,其实,还可以想如何增加收入,比如通过学习提高赚钱能力。如果人脉广,可以学做传销,并主动向公司高层要求承担更多责任和角色,利用私人时间兼职,或多打一份工作等等。这些都是可以帮助加强你的财务现金流。现在也有很多网上工作(文书、1:1补习、网络行销等),可以在自己的私人时间做。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">生活素质易升难降</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;">最后,赚多不等于可以储蓄多,因为很多例子告诉我们,相应开销也会跟著增加,所以,不要随便提高生活素质,因为一旦提高,就很难降下来。比如,有些人一有钱,就餐餐非要外食,这样还是储蓄不到钱,更别说投资了。还有,一旦习惯餐餐外食,如果以后面对财务问题时,就不容易降低生活开销习惯,也不习惯在家吃或去大排档堂食/打包。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><img alt="" class="alignnone wp-image-4617095 size-full" height="244" loading="lazy" sizes="(max-width: 558px) 100vw, 558px" src="https://www.sinchew.com.my/wp-content/uploads/2023/04/%E6%A5%8A%E5%AD%90%E4%BD%91-wpp1681701891988.jpg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/04/楊子佑-wpp1681701891988.jpg 558w, https://www.sinchew.com.my/wp-content/uploads/2023/04/楊子佑-wpp1681701891988-400x175.jpg 400w" style="box-sizing: border-box; vertical-align: middle;" width="558" /></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="background-color: transparent; font-size: 14px; text-align: center;"><span style="color: #212529; font-family: Arial;">星洲日報/活用理财 每月净赚RM2800 却存不到钱</span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="color: #212529; font-family: Arial;"><span style="font-size: 14px;">https://www.sinchew.com.my/?p=4617010</span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"><span style="color: #212529; font-family: Arial;"><span style="font-size: 14px;"><br /></span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); text-align: start; width: 716.667px;"> <span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问诊</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#星洲日报</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#活用理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#活用理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#退休</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#保险</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%9A%E8%B4%A7%E8%86%A8%E8%83%80?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#通货膨胀</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%88%A9%E6%81%AF?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#利息</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富传承</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%8A%82%E4%BF%AD?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#节俭</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%B2%BE%E6%98%8E%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#精明理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E5%88%86%E6%9E%90?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务分析</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BF%A1%E7%94%A8%E5%8D%A1?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#信用卡</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZWimvC9_mlqIZkp8J0RKnp5_7YOtrxhxvymSPXZ_WVSY3GDbJTqU1H0TWQmz482HZFciqCLvX7fMgJx4d62vIMn7HRH1iWOeE-qEtltgea6mSzoYXnTTrnAiEpFiQweRM4&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> #moneylife #YongChuEu #SinChew #biz #finance</span></p></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-81690854338782557022023-06-08T20:47:00.003+08:002023-06-08T20:47:15.436+08:00星洲日報/投资周刊- 失业中年 应急金只可撑5年<p> <span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; font-size: 14px;">这是我忘了交上的第几篇了,给星洲日报,关于一位失业的单薪家庭如何调整财务。文章题目为“失业中年,应急金只可撑5年”,在投资周刊,目前有4千多点阅率,希望可以复制上一篇,四月的10万点阅率。可以看看,再给建议</span></p><p><span style="background-color: white; color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; font-size: 14px;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEh1-c6uKOH344hBJ9eXu8S9sdmYyoEW538QYmG72TxDqKhuhYoufb7MMAEmybxT4kyWcIdOUdp0WTIx9983OCgBm2PWq1Zryr0uMslMz3t6ZGJuvUSWxd2OBXe9IgWcnXCoLdLZUC9lRDdhCjq715_fvDc_9JB4_a9u-ju6-WW7nG0dFu00JQ" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="373" data-original-width="600" height="398" src="https://blogger.googleusercontent.com/img/a/AVvXsEh1-c6uKOH344hBJ9eXu8S9sdmYyoEW538QYmG72TxDqKhuhYoufb7MMAEmybxT4kyWcIdOUdp0WTIx9983OCgBm2PWq1Zryr0uMslMz3t6ZGJuvUSWxd2OBXe9IgWcnXCoLdLZUC9lRDdhCjq715_fvDc_9JB4_a9u-ju6-WW7nG0dFu00JQ=w640-h398" width="640" /></a></div><br /><p></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">问:</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">我任职的公司关闭在大马的业务,2022年10月被公司<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://klse.i3investor.com/tag/%e8%a3%81%e9%80%80/" ref="www.sinchew.com.my/?p=4724144" style="box-sizing: border-box; color: #0d6efd; text-decoration-line: none;" tag="裁退">裁退</a></span>,没有就业至今。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">由于目前的雇用市场比较淡静,在接下来的6个月,估计我继续失业,被公司裁退前,我是公司市场与销售部的总经理。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">虽然我的应急资金,储蓄,现金,预计可以支撑我家庭的开销,最高可达5年;但我还是希望寻求理财师的意见,以我目前的财务状况,如何最大化我的投资回酬?</span></span></p><p id="OloYmPF" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730881 " height="194" loading="lazy" sizes="(max-width: 638px) 100vw, 638px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4b545405.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4b545405.jpeg 638w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4b545405-400x122.jpeg 400w" style="box-sizing: border-box; vertical-align: middle;" width="638" /></p><p id="GmIHbRb" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730882 " height="658" loading="lazy" sizes="(max-width: 508px) 100vw, 508px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4bc98aa4.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4bc98aa4.jpeg 508w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4bc98aa4-309x400.jpeg 309w" style="box-sizing: border-box; vertical-align: middle;" width="508" /></p><p id="PavmLNe" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730884 " height="154" loading="lazy" sizes="(max-width: 510px) 100vw, 510px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4c48e2e4.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4c48e2e4.jpeg 510w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4c48e2e4-400x121.jpeg 400w" style="box-sizing: border-box; vertical-align: middle;" width="510" /></p><p id="ryHZxvA" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730886 " height="584" loading="lazy" sizes="(max-width: 514px) 100vw, 514px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4cc3fff5.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4cc3fff5.jpeg 514w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4cc3fff5-352x400.jpeg 352w" style="box-sizing: border-box; vertical-align: middle;" width="514" /></p><p id="UHSRdXk" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"> </p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">我个人认为,还清房屋1(自住房产)贷款不是很好,我觉得应该掌握手上现金,以赚取一些回酬,如果理财师有不同意见,请分享。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">房屋2是作为投资单位,以对冲通货膨胀,我最初的计划是投资这个产业 (等待价值上升),以便作为2个孩子的高等教育经费。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">这个原先的设想有实现我的计划,房屋价格在4年内增值30万令吉,遗憾的是,预想不到的裁员行动,冲击我的财务规划,希望理财师提供一些建议供参考。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">ALAN PHUA</span></span></p><p id="TVGfKNr" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730880 " height="181" loading="lazy" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4949a072.jpeg" style="box-sizing: border-box; vertical-align: middle;" width="349" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;">答:</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;">亲爱的Alan Phua,</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;">首先,让我们将你的财务状况整理成资产负债表和现金流量表。</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730888 " height="698" loading="lazy" sizes="(max-width: 579px) 100vw, 579px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4d3db4dd.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4d3db4dd.jpeg 579w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4d3db4dd-332x400.jpeg 332w" style="box-sizing: border-box; vertical-align: middle;" width="579" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730891 " height="630" loading="lazy" sizes="(max-width: 569px) 100vw, 569px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4db7f6f9.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4db7f6f9.jpeg 569w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea4db7f6f9-361x400.jpeg 361w" style="box-sizing: border-box; vertical-align: middle;" width="569" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">从以上内容,我们可以看到你有相当高的净值和优质资产。然而,你的每月现金流出高于现金流入,这在长期内是不可持续的,尤其考虑到你目前即将处于失业状态。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">根据资料,你在去年10月已失业,的确需要尽快找到类似之前的工作,因为你的开销是不容易往下调整,因为多数是贷款。另一个原因就是你的专才在销售和营销这个板块,如果不是非要在同一个行业,应该可以找到工作。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">以另一个角度看待,就是这次的失业,可能是一个让你创业的机会,否则我们都习惯待于舒适区里,因为你的专才在销售和营销,之前的一些销售通路或管道、人际关系可以善用,从零开始。有些非常有经验的行业老手,到退休时,都会创立专业咨询公司,毕竟他们有人脉、资源和经验。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">你也可以考虑,如果还没任何头绪,不妨好好沉淀和思考,到底接下来该何去何从。在过渡期,可以考虑暂时帮忙打理家人、亲友的生意,或者驾Grab。这个时候,更加要加大学习,到处交际,找回过去的朋友、伙伴、同事等等,寻找创业、合作、工作机会。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;">需了解投资风险喜好</span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">你的来信也说明,如果没有工作,你的流动资金(现金和应急基金,88万令吉),基本上可以撑上5年或以上(每个月负现金流为RM13,447)。这也许可以提供给你一个转行、创业或重新开始的机遇。同时,货币市场基金的5万令吉也是属于保值、供与应急调动的一种,这折射一个不足之处:是否太保守了?太多流动资金在保守的保值上?当然,需要了解你的风险喜好Risk Profile,网上有免费的测试,来了解自己可承受的风险是高还是低。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">基本上,流动资金方面,只保留3至6个月的总开销就够了,如果在收入不稳定的行业,可以保留6至9个月的总开销。疫情后,有些人倾向保留1至2年的总开销,作为紧急调动是情有可原的,你的5年以上就太多了,变成你的钱有点毫无作为。政府提供的就业保险保障(EIS)也可提供3至6个月的基本失业津贴。还有公积金担保贷款,都是你可以调动的现金流,所以,放心积极投资、创业或找新工作。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">只保留1至2年的总开销数额在非常保守的投资或保值工具上(比如货币基金、定存、SSPN)后,其它都慢慢转移到投资上。如果是你自己操作投资,还是需回归熟悉的范围,资料显示你会比较熟悉房地产和股票,但不知投资回酬如何。如果投资回酬不好,需要了解哪里不足,通过学习补足自己的不足。和股票或房地产投资者在一起互相学习、提醒和投资是非常不错的策列。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">股票里的产托(REIT)也非常适合喜好房地产的你,同时,目前有很多新的DIY的投资工具,比如机器理财顾问(RoboAdvisor)和众投(Crowdfunding)也是不错,可以考虑, 但一开始不在于多,可以先专注把房地产和股票投资回酬做好,到一定数额,再分散去其它投资工具(不一定自己来)。如果想要假手其他人投资,那就找一位拥有执照,又值得信赖的理财师帮你规划。观察一个人是否值得信赖,也是需要时间,老祖宗告诉我们最少需要3年相处和观察一个人,同时可以先从小的投资开始。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;">打工族转当投资者</span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">穷富爸爸一直提醒我们要从打工和自雇的左象限(如图标),跳去成为投资者或企业老板(生意已经可以自动运行)。不妨分享一个从打工跳到投资者的故事。很多打工人都是没有太多储蓄,所以花钱上课程,参与投资群体,慢慢加大投资,直到投资回酬的利息已可以资助自己的日常开销-财务自由,他就会放掉工作专注投资。你其实已可以直接跳去成为投资者,因你已有为数不少的第一桶金供投资。</p><p id="wObPwEw" style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><img alt="" class="alignnone size-full wp-image-4730904 " height="454" loading="lazy" sizes="(max-width: 397px) 100vw, 397px" src="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea5ab53be7.jpeg" srcset="https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea5ab53be7.jpeg 397w, https://www.sinchew.com.my/wp-content/uploads/2023/06/img_647ea5ab53be7-350x400.jpeg 350w" style="box-sizing: border-box; vertical-align: middle;" width="397" /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">至于你的现金流里,开销的部分,主要还是供贷款,没有太多可以操作空间,除了因为没了工作,可以考虑只保留一辆车,然后把其中一辆车卖了。同时也因为没有工作,很大可能基本开销也会相应减少,比如汽油、手机或食物。如何有效管理开销,我在上一期的文章——“每月净赚2800令吉,却存不到钱”可以供你参考,作为积极调整你的现金流。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">在你的房产#2,租金的收入大约2300令吉,稍微低于3650令吉(每个月供房贷数额), 可否做市场研究,看看如何提高租金(稍微装修,或更多屋内便利等等),或者考虑和一些短租平台合作。如果你的地点靠近大城市、旅游景点、交通便利的热点,基本上短租可能会更不错。你也可以考虑,把现住的屋子租出去,如果能以好价钱出租,然后自己租个稍微小和便宜的地方,提高收入的同时,可降低开销,这些都需要从长计议。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">你有提起,房产#2最初是为了资助子女的大学教育,而自住的房产#1,不值得用现金清完贷款,其实,这要看你是否有善用你的钱,目前房贷贷款利息大约4至5%,如果你的紧急资金和现金只是放在定存,目前大约只是4%左右,还清贷款还是有点划算,但好处不多,但如果可以善用你的流动资金投资超过6至7%的投资工具,那就不必清完贷款,只要每个月准时还贷就行了。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">先把以上的一些建议实行后,再来看看如何调整自己的孩子教育费、退休规划,以及保险保障。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial;"><span style="font-size: 14px;"><br /></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial;"><span style="font-size: 14px;">星洲日報/投资周刊- 失业中年 应急金只可撑5年</span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial;"><span style="font-size: 14px;">https://www.sinchew.com.my/?p=4724144</span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial;"><span style="font-size: 14px;"><br /></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问诊</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#星洲日报</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%AA%E4%BA%BA%E8%B4%A2%E5%8A%A1%E5%88%86%E6%9E%90?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#个人财务分析</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84%E5%91%A8%E5%88%8A?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资周刊</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#活用理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#职业</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#退休</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#保险</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%A4%B1%E4%B8%9A?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#失业</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> # 应急金 </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富传承</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialliteracystory</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneylifeacademysb</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#moneymastermy</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financial?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financial</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/financialanalysis?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialanalysis</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/sinchew?__eep__=6&__cft__[0]=AZVxzxlrI-_ziY1pNRbU7MDl6JUlVzMuLvQUqbcdQFSjw_KzaptKLXmQJV3y91nTFMBByFJz5P5nyk5uH1T4k7DDrz5gkG-7ZtT7AvKIoh8Wi-IM_dNdG-e0-mYsjBU_8brloIKDqFG0TpNedZ3D3Tz7SNEMxTDMWQgzuLq-TIX8DyQiLbnxdwbYYnKEYieqiQA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#sinchew</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space-collapse: preserve;"> #personalfinance #financialplanning #newspaper #biz #finance #invest #retrenchment #emergency #money #cash</span></p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-88538902227857301922023-02-15T07:56:00.000+08:002023-02-15T07:56:14.587+08:00财富成绩单| 2022财不达标2023富从何来?-星洲日报读者财富问卷调查<p> <span style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; white-space: pre-wrap;">这是星洲日报给读者关于财富问卷调查的一切总结-“财富成绩单| 2022财不达标2023富从何来?”,同时请我来评论其总结,和给予小小建议。谢谢晓晴的询问。</span></p><p><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgyYds5hodGInxybB2cMuEEomaFPwYoImB7DEdFu8m31VxlyMO4RwyJ_kgXcrFLxAVYpdMMqVEFChxy6IY06Wnm088I427hv8BvN7cMzQhY33yZ-Egp16IauHdowtsL-dwuAA2CUMGbCY17iDTHZKpnDUqrsaRJdSpLZE5VBUiEkFWLH9qjEQ" style="background-color: white; clear: left; display: inline !important; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin-bottom: 1em; margin-right: 1em; text-align: center; white-space: pre-wrap;"><img alt="" data-original-height="478" data-original-width="700" height="438" src="https://blogger.googleusercontent.com/img/a/AVvXsEgyYds5hodGInxybB2cMuEEomaFPwYoImB7DEdFu8m31VxlyMO4RwyJ_kgXcrFLxAVYpdMMqVEFChxy6IY06Wnm088I427hv8BvN7cMzQhY33yZ-Egp16IauHdowtsL-dwuAA2CUMGbCY17iDTHZKpnDUqrsaRJdSpLZE5VBUiEkFWLH9qjEQ=w640-h438" width="640" /></a></p><p><span style="background-color: white; color: purple; font-family: Arial; font-size: 14px; font-weight: bolder;">财富报告焦点</span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">★29%参与者是月光族!24%每月储蓄少过500令吉。</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">★只有13%满意去年的财富表现。</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">★大部分人倾向于传统型的投资工具。</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">★35%认为今年的财富会增加。</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">★90%不再求延缓还贷援助。</span></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; color: purple;"><span style="box-sizing: border-box; font-weight: bolder;">★开源节流为理财上策。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">新年新希望,大家都想挥别去年的种种不利,展望2023年兔年能增财纳福。去年底,《投资致富》和星洲网进行了一项“财富问卷调查”,有2433名读者踊跃参与。结果显示,尽管参与者大都在高利率和高物价中渡过,但仍对新一年财富设下目标,做好下行风险准备,怀抱期望,谨慎向前……</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"></span></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjANxWsT6PPMeZ9W_6GbLoxUpCA5KyaBBb0dH_HnbIx0h2u_yEgGBaoDEmgwaA89uU96wwAeKSgO7Ix_pi6ZCM8grsq-ZLCwrIg8G5hBULm-hfYJS_6giBfvpE4tDoxr0M9VOsJsB93AGyKfE6SMCZTeVPWGJmC9hcuXHgLb_XYvSkDmqP3fQ" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="475" data-original-width="412" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEjANxWsT6PPMeZ9W_6GbLoxUpCA5KyaBBb0dH_HnbIx0h2u_yEgGBaoDEmgwaA89uU96wwAeKSgO7Ix_pi6ZCM8grsq-ZLCwrIg8G5hBULm-hfYJS_6giBfvpE4tDoxr0M9VOsJsB93AGyKfE6SMCZTeVPWGJmC9hcuXHgLb_XYvSkDmqP3fQ=w554-h640" width="554" /></a></div><br /><br /><p></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">逾80%不满意财富表现</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">参与问卷调查的人,过半是上班的中年人士,应该有相对较稳定的收入,但是其中42.80%或1042的人对去年的个人财富表现并不满意,另外有44.39%或1080人觉得“尚可,没有太好也没有太坏”,只有12.80%或311人满意去年的财富表现。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">至于个人最大的财务问题,主要是从去年延续至今年的通货膨胀和利率走高,其余因素是债务增加和投资失利。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">有鉴于此,“钱不够用”是他们大部份人的心声,有29%或714人是零储蓄的月光族,另24%人每月储蓄少过500令吉,意即高达53%的人储蓄额度颇低!</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"></span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">此外有16%或385人尽量每月储蓄500至1000令吉,也仍有21%或518人能较宽裕地每月储蓄2000令吉以上。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi56FDUgc5ridwzTgxyn5uM-dpwmMWmNocMnBHZur5u87xzulcIdXQnqJ5gWaBA0MFRf8DvIKF4M6rKSBRXmeBi3qh4WR4d1HhFPpV4Itd-X2LdUFE56hJFG6AQVB3pnJ1XdkYQUC4RMe_77bm48MeASLDUIZWY4cgQxNs9iFYsHVBFkCgltA" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="308" data-original-width="324" height="381" src="https://blogger.googleusercontent.com/img/a/AVvXsEi56FDUgc5ridwzTgxyn5uM-dpwmMWmNocMnBHZur5u87xzulcIdXQnqJ5gWaBA0MFRf8DvIKF4M6rKSBRXmeBi3qh4WR4d1HhFPpV4Itd-X2LdUFE56hJFG6AQVB3pnJ1XdkYQUC4RMe_77bm48MeASLDUIZWY4cgQxNs9iFYsHVBFkCgltA=w400-h381" width="400" /></a></div><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /><br /></b></span></span></span><p></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">大马人投资理财“很传统”</span></span></h5><div><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></div><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">大家都明白“你不理财,财不理你”的道理。纵使储蓄不够多,仍有多达63%或1526人表示有进行理财或投资,想办法管理财务或增进财源。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">他们主要采用的理财策略,是传统的开源节流(1365人复选此项),即省钱加上增加收入来源。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"></span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">同时有1078人认为,精明地投资和调整资产组合才是上策,与开源节流并驾齐驱,希望因此有更佳效果。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b></b></span></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="color: #339966; font-family: Arial;"><b><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgsvlzHc3-eSLg-ag_Yr7-MjdxxJgndyB_vH0z5uiShEMsn4MJNPxfZoSD1Iq5IHnS22v_q5P2UWu1eX9VP_Uj9N8ovemhWxvxTzR63Zk4YVm-9lQJtdC83hdsGkgiBda80bmbReXBleJIHOyGJcpmS_v8j4TUyoI0SJ4apleYCVkWygXH2wA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="444" data-original-width="468" height="607" src="https://blogger.googleusercontent.com/img/a/AVvXsEgsvlzHc3-eSLg-ag_Yr7-MjdxxJgndyB_vH0z5uiShEMsn4MJNPxfZoSD1Iq5IHnS22v_q5P2UWu1eX9VP_Uj9N8ovemhWxvxTzR63Zk4YVm-9lQJtdC83hdsGkgiBda80bmbReXBleJIHOyGJcpmS_v8j4TUyoI0SJ4apleYCVkWygXH2wA=w640-h607" width="640" /></a></b></span></div><span style="color: #339966; font-family: Arial;"><b><br /><br /></b></span><p></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">主要投资股票或基金</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">第三受欢迎的策略是积极储蓄增加定存(941人),也有748人以日常工作和创业增加收入为理财策略。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">只有348人表示没有特定的理财策略。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">投资,是除了打工和创业以外的增财机会,但投资工具有多种,接受问卷调查的读者,主要选择的工具是股票或基金(1391人),其次是购买保险(1068人),可见基本上参与者都倾向较传统的工具。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">回酬稳定且属于长期投资的公积金,是排在第三位的工具选择(845人选此项),特别适合没有时间理财,或不想花精神研究工具的人士。购置产业也是部份人的投资选择(575人)。只有178人选择新颖的加密货币为投资工具。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b></b></span></span></span></p><div class="separator" style="clear: both; text-align: center;"><span style="color: #339966; font-family: Arial;"><b><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiQBrBS1Efkakx0d3RTdNaURr-ijcb4Jj-j61FAmLE4oLYsVgOKugCYkVdixnliVdAqBCDjKVFR5JmGqGF5s-HpKuI9UelyyrGS_F0Z4ZptXF1SZxyP9GYEeg5fN8RDz4L79LvwcQitggUGgqehxrDoGGQhgwlbb-lWO1iwjONr64T7xOw0LA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="681" data-original-width="500" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEiQBrBS1Efkakx0d3RTdNaURr-ijcb4Jj-j61FAmLE4oLYsVgOKugCYkVdixnliVdAqBCDjKVFR5JmGqGF5s-HpKuI9UelyyrGS_F0Z4ZptXF1SZxyP9GYEeg5fN8RDz4L79LvwcQitggUGgqehxrDoGGQhgwlbb-lWO1iwjONr64T7xOw0LA=w469-h640" width="469" /></a></b></span></div><span style="color: #339966; font-family: Arial;"><b><br /><br /></b></span><p></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="color: #339966; font-family: Arial;"><b><br /></b></span></span></span></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">90%不再暂缓还贷</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">2020年时,政府促请银行给予遭受疫情冲击的客户暂缓还贷款的方案。自动还贷计划,已经陆续在2021年结束。到了2022年,贷款者还是能个别向贷款机构申请展延还款,银行会根据客户的情况斟酌处理。尽管这是一项特别优惠措施,却会导致日后的还款期限加长,或增加整体总还款额。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">去年是否仍有很多人申请延迟还贷呢?根据这份问卷调查,高达约90%或2189参与者表示没有再申请暂缓还贷,这个数据比去年的70%有不小的差距。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">逾半收入足以恢复还贷</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">这表示大家的财务状况都稳了吗?超过一半或1297人表示,延缓还贷计划结束之后,他们的收入足以恢复还贷。另外有511人表示会动用存款或公积金还贷,只有少数或186人申请其他类型的援助。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">大马物价已有“保护层”</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">根据这份调查结果,财福人生教育培训学院创办人兼理财师——杨子佑认为,高物价和通胀,基本上是全球的问题,大部人因此受影响,尤其我国是食品进口国,当全球物价高,加上马币兑美元走低,人们日常购买饮食时,会深刻感受到支出增多。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">理财师:长期补贴不健康</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“跟其他国家比较,大马人算是幸运。一些重要的日常开销如汽油、鸡肉、食油设有顶价,有政府补贴,很大程度上缓冲了通胀。很多国家政府并没有提供补贴,通胀率相对更高。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">不过他指出,长期补贴其实是一种“拐杖文化”。政府保护收入低的中下层人民是应该的,但过于控制物品价格,没有针对性地贴钱,长久会衍生不健康状况。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“应该由市场的供需来决定价格,才能反映出物品的真实价值。有能力购买者支付市价,而政府可以省下部份支出,用来帮助真正需要援助的低收入群。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">而且,当物价走高,人们会更珍惜物质,不会造成资源浪费。”此外,减少不必要的辅助,相信能推动人民更积极开源。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">杨子佑说,大部份国人都有房贷,很多人没有储蓄的习惯,当通胀来袭、利率走高,就很快觉得手上的能用现钱变少。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">他说,疫情中仍有不少企业保有盈利,可是受到打击的更多,尽管行情在恢复中,重伤的仍未痊愈,资金调度有限,连带支付的薪水和红利也趋向保守,生活纵然无大碍,却一时看不到资金增长。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“显然2023年的通胀仍会是在高位。政府发出的各种疫情援助陆续减少或停止,对中下层人士是挑战。”</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">搭上通胀“顺风车”增富</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">一直担心通胀,并不能解决问题。参与调查问卷者都表示,有去研究各种投资工具。杨子佑希望大家了解一件事,“通胀是每年必然发生的事,只要不是恶化的高通胀,温和的通胀率反而能让我们跟著‘涨风’增加财富。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">他解释,当一切物品价格变高,相应地,手上的资产价值会变高,例如房地产价格、租金收入、产托价值、储蓄利率等等。若你是商家,所提供的服务和产品价格也会调高。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“在投资方面,举例来说,有能力把高原料价格转嫁给客户的企业,其股票价值照理也会走高。搭上通胀顺风车,就是这个道理。”意思是在迎著逆风时,人们其实可以逆向思考,应用现状中的可取之处,找到出路。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: blue;"><span style="box-sizing: border-box; font-weight: bolder;">2023年个人钱财目标与方案</span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">最想增收入减债务</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">生活离不开财务,首先要设定目标,确认想要的事物,然后才能做好规划。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">这份问卷调查显示,2023年大家最想达到的财务目标,首两项是增加收入或储蓄(1758人),以及减少债务(1158人),可见大部人暂无特定物质目的,首要任务是增加现金和减少欠债为妙,以获得财务安全感。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;">买屋或买车(639人选此项),购置人生重要资产,是第3大目标选项。也有609人以退休或休闲为花钱目的。只有非常少数的23人没有为2023年设标。</span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEj38Jkc52bMmLinveZEOf8mlE-qgge2HgFsprjVpOiBRcFUCoYh4rAOaYYmueSoWxubeHIr4GR11Ovc556TuTrV7-8gCz-hy3BA1_iSYbedfaXkv7NRDDs4p1DZrHGB_HgkfH4iYXs3xAd1VHbAFGwSAqI-kGcoUp56wvDMpj9Qu5DMhQ6FzA" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="485" data-original-width="416" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEj38Jkc52bMmLinveZEOf8mlE-qgge2HgFsprjVpOiBRcFUCoYh4rAOaYYmueSoWxubeHIr4GR11Ovc556TuTrV7-8gCz-hy3BA1_iSYbedfaXkv7NRDDs4p1DZrHGB_HgkfH4iYXs3xAd1VHbAFGwSAqI-kGcoUp56wvDMpj9Qu5DMhQ6FzA=w549-h640" width="549" /></a></div><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /><br /></b><p></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">想靠投资获利提高就业收入达标</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">设下目的,就要采取行动。但显然大家都不认为日常收入能支撑财务目标,大部份(1423人)想靠投资获利来达成。其次是提高就业的收入来达标,有1182人选此项,也许是努力工作升职加薪,或另谋高就。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">不过有775人觉得无需有任何动作,“顺其自然”就是方式。另外有479人决定要增加生意量,赚钱达致财务目标,另外只有138人选择贷款融资方式。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">最担心通胀及政府减补贴</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">尽管有目标,却要慎防其他因素干扰。2023年,大家最担心的财务课题,依然是去年的通胀和物价高涨,以及政府的补贴减少(1810人选择此项),同时有1154人担心国行再升息,导致房贷等债务增加。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">去年政府表示会推出针对性补贴机制,以更公平地帮助有需要援助的群体。新机制将如何影响各个群体,尤其是规模不小的中等收入阶级,仍是未知数。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">也有1088人担心今年会失业或减薪,扰乱了原先的计划。只有258人表示“不担心,随机应变”,在充满不确定性的年代,以平静的姿态应对万变。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></h5><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">42%认为今年会更好</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">国强则民富,一个国家的经济成长,与人民的财富息息相关。去年大马国内生产总值(GDP)强势反弹。参与调查者如何看待2023年大马经济?</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">大部份人觉得国家经济不错,有42%或1024人认为经济会比去年好,另30%或738人估计经济将和去年一样,只有27%或671人不看好经济走势。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">回顾反思了2022年的财富,并设定了2023年目标和方案之后,新一年财富水平是否会按计划增加?乐观的是,参与问卷调查的人,有34.60%或841人预计财富会增多,另19.60%或478人表示财富水平将和去年一样。</p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhVQswAqt8hSON6CJRWF14G7uoSaNMrFvIsQg7VztwklpEE9hSPxcbz0IrOiWBFX6qRWhPDjApDqZVJnhzuDVufqrxMOo5aVaPnGLNeuwsAC_lgQJT9RhY4LXfygNJNV8k89szZkVWvnMUnRQ4Q79LTR0DSdUb2i_1unNArI0iBUd7R44CeQw" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="457" data-original-width="324" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEhVQswAqt8hSON6CJRWF14G7uoSaNMrFvIsQg7VztwklpEE9hSPxcbz0IrOiWBFX6qRWhPDjApDqZVJnhzuDVufqrxMOo5aVaPnGLNeuwsAC_lgQJT9RhY4LXfygNJNV8k89szZkVWvnMUnRQ4Q79LTR0DSdUb2i_1unNArI0iBUd7R44CeQw=w453-h640" width="453" /></a></div><span style="color: #212529; font-family: Arial; font-size: 14px;"><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="color: #212529; font-family: Arial; font-size: 14px;"><br /></span></p>有33%或802人表示“不确定”,最后只有12.80%或312人看淡,认为今年的财富会减少。<br /></span><b style="color: #339966; font-family: Arial; font-size: 14px;"><br /></b><p></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">持续投资突破限制</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">总结这份调查问卷,读者们大都认同投资获利是可行的理财和增富策略,但是同时大家都秉持开源和节流的经典保守做法。理财师杨子佑认为,节流虽好,但是对于增加财富的帮助始终有限。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“在现在的社会里生活,很多消费和支出无法很大程度地削减。但读者们选择的‘精明投资,调整投资组合’,其实是不错的积极方式。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">他认为,唯有持续且适当地投资(stay invest),才能踏上如今高利率和通胀的顺风。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“投资有数种。实体的投资,就是选择适合自己的投资工具。可以透过研究和上课学习,也可以寻求专业持牌投资经理的协助。前提是要了解本身的意向和能力,不要盲目听从消息和贴士!”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">他建议,投资不一定要甚么都会。可以先从熟悉的领域开始。例如对房地产比较有研究的人,可以从买房开始,实战和深耕。当累积了一定的资本之后,才多元化到其他相关工具,如房地产信托、房地产股票。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">挑战自己跳出舒适圈</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">第二种投资是无形的,即投资在本身的知识和能力。杨子佑说,不管是打工一族、创业者,还是企业老板,都要时刻加强能力和眼光,才能看到赚钱的机会。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“上班族其实可以在原有的职场上多做和多学,别怕辛苦,你的努力其他人一定会看得见,最后换来升职加薪的机会。我以往亲眼见证过不少这样的案例。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">而企业家积极自我增值,会找到调整业务的策略。尤其在新常态下,往往转型、加强技术或网络知识,就是一番新机遇。他说,大家要在思维、格局、角度,或人脉上有所加强,最后会有望转换成财富。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">从危机找到新机</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">所以他说,要增富就不能呆在舒适圈,别忘了经常“挑战”自己,学习和跳出原有框框,才能突破现况。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“我了解到,不少商家在疫情间因为善用科技和新趋势,结果生意市场扩大,财富增多。我也是在疫情间开启了远在菲律宾的线上教学班。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;">“危机两个字,是连在一起的,有‘危’就有‘机’。遇到风雨时不要负面,善于整顿或转变,就有新机。”</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">总结</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;">无论甚么时代都会有人致富,市场一直存在,让人们去探索。很多人也许不祈求大富大贵,只求本份地生活,按部就班增富就足矣。2023年或者又是一个不平凡的一年,许多不利因素仍未消散,然而全球经济重开,有利的消息也陆续有来。做好最坏的打算,展望最好的结果,总是没错。在所及的范围内,尽力达成目标,就是最好的一年。</span></span></p><p style="background-color: white; box-sizing: border-box; flex-shrink: 0; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><b style="color: #339966; font-family: Arial; font-size: 14px;">财富成绩单| 2022财不达标2023富从何来?</b></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="color: #212529; font-weight: 400;">https://www.sinchew.com.my/20230213/2022财不达标-2023富从何来?</span></span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); width: 716.667px;"><span style="box-sizing: border-box; color: #339966;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E5%8D%B7%E8%B0%83%E6%9F%A5?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问卷调查</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%AF%8C%E4%BB%8E%E4%BD%95%E6%9D%A5?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#富从何来</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> #2023 </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E6%88%90%E7%BB%A9%E5%8D%95?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富成绩单</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富问诊</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#星洲日报</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#活用理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财商思维</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务规划</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#退休</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财务自主</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#储蓄</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#与钱同行</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生导师</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生教育培训学院</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财富传承</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E8%B5%9A%E9%81%93%E5%95%86%E5%9C%88?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#赚道商圈</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%B9%B0%E5%B7%A5%E5%8E%82?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#买工厂</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#房地产</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%AD%A9%E5%AD%90?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#孩子</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%A4%A7%E5%AD%A6?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#大学</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E4%BA%A7%E6%89%98?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#产托</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E5%AD%A6%E8%B4%B9?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#学费</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> </span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"><a class="x1i10hfl xjbqb8w x6umtig x1b1mbwd xaqea5y xav7gou x9f619 x1ypdohk xt0psk2 xe8uvvx xdj266r x11i5rnm xat24cr x1mh8g0r xexx8yu x4uap5 x18d9i69 xkhd6sd x16tdsg8 x1hl2dhg xggy1nq x1a2a7pz xt0b8zv x1qq9wsj xo1l8bm" href="https://www.facebook.com/hashtag/%E7%A7%9F%E9%87%91?__eep__=6&__cft__[0]=AZU6HOjnsLqK-vbwuV8xtgffGpY9Qnjzbh-ouih1M0dKnVnaEENEFo6Ie-O1tTXDBKHELYipcvflSCxScjOltLXmk4uegOw7UL9p3dA5KqH3DapISBHSVKOk8VDzBAmMlr9JwYji9yoc9ulwn6yfpCNgqXP16iXuSrv6P8jsBzg4Mw03VGKsgbmdnhXZTJfOvKw&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#租金</a></span><span style="color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; font-weight: 400; white-space: pre-wrap;"> #financialliteracystory #moneylifeacademysb #moneymastermy #ACFUN #YongChuEu #investment #financial #report #questionair #invest #sinchew #shorts #reels #tiktok</span></span></span></p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-38437748845315660852023-02-12T20:18:00.003+08:002023-02-12T20:18:33.582+08:00积蓄全留儿子,若55岁退休,可靠利息过活?星洲日报平台-活用理财<p> <span style="white-space: pre-wrap;">我的第三篇理财个案分析-积蓄全留儿子,若55岁退休,可靠利息过活?在星洲日报平台-活用理财,目前差不多在用来四天,这是我连续第三篇,破10万点阅率,目前,我在准备第四篇,下一个月会上报。</span></p><p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVoxcDSotUdQg91l6eimtvxePlb5mbFvPL-5DSMsWjWQUpCIgYnOxTcucfzAiTAI7m88HhGZC14tyDW_Mwe0Z3u92J4RrjLu9I7Lv0Dy95AVTyCbHBSGbZWraimza0bq4TImNcOCQbcAfb7dgWoYf4WpYpF9V-39EVGuzNsDp_C3fHtmnutg/s1200/FB_interest1107.jpg" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjVoxcDSotUdQg91l6eimtvxePlb5mbFvPL-5DSMsWjWQUpCIgYnOxTcucfzAiTAI7m88HhGZC14tyDW_Mwe0Z3u92J4RrjLu9I7Lv0Dy95AVTyCbHBSGbZWraimza0bq4TImNcOCQbcAfb7dgWoYf4WpYpF9V-39EVGuzNsDp_C3fHtmnutg/w640-h334/FB_interest1107.jpg" width="640" /></a></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"b00jo","text":"你好!","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"kdvk","text":"我是一个单亲妈妈, 我有一个16岁的儿子.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fo0no","text":"他和他父亲住在一起,周末才来我家.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ar8fe","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"eths3","text":"我今年50岁,担任会计师, 我的工作量很大,压力很大,所以希望提早计划55岁退休。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5als8","text":" 目前我存了 现金RM700k,EPF 200k 和 unit trust 200k。我有一套旧公寓能够住, 手头没有任何贷款.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6q01t","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"aerpd","text":"我唯一的负担是每月 RM600 的医疗保险,有无限住院福利的好处. 现在每个月我存的净收入是RM1k.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"av8qs","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fn1at","text":"退休后,我打算搬回我家乡怡保的房子住,房子是我父亲的。因为我家乡的生活费比KL便宜.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9jqg1","text":"那么旧公寓可以出租获得一些租金收入,但并不多。现在的市场只需要RM700。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3f53k","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1hq2v","text":"退休后,我将转换所有单位信托并提取EPF,全部存入银行定期存款账户. 那么根据定期存款的利息收入,55岁以后,我能维持我的退休生活吗?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6qjmc","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4hlbv","text":"我不想用我的积蓄,因为我有一个儿子,我希望我死后能保存给他. 我和我的前夫给我儿子买了教育保险,应该足以支付他的教育目的.","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dto57","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9vkp0","text":"退休后,我每月大约需要 RM3k 来支付日常开支。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3ije","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3speh","text":"From: Mimi","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.3.6"}" style="white-space: pre-wrap;"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a4ib7-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a4ib7-0-0"><span data-offset-key="a4ib7-0-0">你好!</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="b0fp8-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="b0fp8-0-0"><span data-offset-key="b0fp8-0-0">我是一个单亲妈妈, 我有一个16岁的儿子.</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="34lna-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="34lna-0-0"><span data-offset-key="34lna-0-0">他和他父亲住在一起,周末才来我家.</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dmvu2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dmvu2-0-0"><span data-offset-key="dmvu2-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2vtm7-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2vtm7-0-0"><span data-offset-key="2vtm7-0-0">我今年50岁,担任会计师, 我的工作量很大,压力很大,所以希望提早计划55岁退休。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7uqj1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7uqj1-0-0"><span data-offset-key="7uqj1-0-0"> 目前我存了 现金RM700k,EPF 200k 和 unit trust 200k。我有一套旧公寓能够住, 手头没有任何贷款.</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8a33l-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8a33l-0-0"><span data-offset-key="8a33l-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2ct99-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2ct99-0-0"><span data-offset-key="2ct99-0-0">我唯一的负担是每月 RM600 的医疗保险,有无限住院福利的好处. 现在每个月我存的净收入是RM1k.</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4ohje-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4ohje-0-0"><span data-offset-key="4ohje-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="av0h0-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="av0h0-0-0"><span data-offset-key="av0h0-0-0">退休后,我打算搬回我家乡怡保的房子住,房子是我父亲的。因为我家乡的生活费比KL便宜.</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="60k16-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="60k16-0-0"><span data-offset-key="60k16-0-0">那么旧公寓可以出租获得一些租金收入,但并不多。现在的市场只需要RM700。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="99g7m-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="99g7m-0-0"><span data-offset-key="99g7m-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="c5at2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="c5at2-0-0"><span data-offset-key="c5at2-0-0">退休后,我将转换所有单位信托并提取EPF,全部存入银行定期存款账户. 那么根据定期存款的利息收入,55岁以后,我能维持我的退休生活吗?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8ktip-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8ktip-0-0"><span data-offset-key="8ktip-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8hfbb-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8hfbb-0-0"><span data-offset-key="8hfbb-0-0">我不想用我的积蓄,因为我有一个儿子,我希望我死后能保存给他. 我和我的前夫给我儿子买了教育保险,应该足以支付他的教育目的.</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="14n1m-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="14n1m-0-0"><span data-offset-key="14n1m-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="980nu-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="980nu-0-0"><span data-offset-key="980nu-0-0">退休后,我每月大约需要 RM3k 来支付日常开支。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9oeo0-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9oeo0-0-0"><span data-offset-key="9oeo0-0-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f5nun-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0">From: Mimi</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYSlOrUEGZO7iwrmmUA7r7oMvjs2SmWWWrwEE3bdtburjLA7s8QROUwrJBLJsXrJ7kf3UpvoRtyJDXqe7iJJvduvHbZ0rMpxdhVzXk4DTyRiMVn7MCnYmQ0elTB1GEmKbtzymmkJclxKp0_M0-VrVYDNAXsiTEPO__PS6Bx_X-B9BRZRF7EQ/s567/%E6%A5%8A%E5%AD%90%E4%BD%91-1.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="254" data-original-width="567" height="286" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYSlOrUEGZO7iwrmmUA7r7oMvjs2SmWWWrwEE3bdtburjLA7s8QROUwrJBLJsXrJ7kf3UpvoRtyJDXqe7iJJvduvHbZ0rMpxdhVzXk4DTyRiMVn7MCnYmQ0elTB1GEmKbtzymmkJclxKp0_M0-VrVYDNAXsiTEPO__PS6Bx_X-B9BRZRF7EQ/w640-h286/%E6%A5%8A%E5%AD%90%E4%BD%91-1.jpg" width="640" /></a></div><br /><br /><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><br /><span data-offset-key="f5nun-0-0"><br /><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0">杨子佑硕士是財福人生教育培训学院的创始人和首席讲师,人力资源企业培训(HRDF),马来西亚财务规划理事会(MFPC)回教理财规划(Shariah RFP)和持续专业培训课程(CPE/CPD)认证培训师,同时是拥有执照的理财师(FAR/CMSRL)。在2019和2021年,他分别出版了财务压力管理中英书籍,和开始教授菲律宾特許財富管理師专业文凭(CWA),也常出现在本地各大媒体版位</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><div data-draftjs-conductor-fragment="{"blocks":[{"key":"eg9c9","text":"Mimi, 你好。 ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":0,"length":10,"style":"{\"FG\":\"#636e89\"}"}],"entityRanges":[],"data":{}},{"key":"enqqc","text":"如果把你目前的积蓄和投资,整合后,计算5年后,其总价值大约如下","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.3.6"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bvrfj-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bvrfj-0-0"><span data-offset-key="bvrfj-0-0" style="color: #636e89;">Mimi, 你好。</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bvrfj-0-0"><span data-offset-key="bvrfj-0-0" style="color: #636e89;"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="d9jf9-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d9jf9-0-0"><span data-offset-key="d9jf9-0-0">如果把你目前的积蓄和投资,整合后,计算5年后,其总价值大约如下</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d9jf9-0-0"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJjGaxbXO3SfszIYnKfe04nejxOuh5c4efBG7MftgXTsZkuSAqPms56xiN0PAu4lxEPePGkq8Xtl5Kr4xYxyQ8RAomwRU2Ct3rymGHMfIYcH5PWLeCxrqmc6aM9M9V__f0hNFq_8EXU70kwDdYfrMC1dh92figOZAhFeMS-7VtAql_Js9MQg/s638/6aa.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="181" data-original-width="638" height="182" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJjGaxbXO3SfszIYnKfe04nejxOuh5c4efBG7MftgXTsZkuSAqPms56xiN0PAu4lxEPePGkq8Xtl5Kr4xYxyQ8RAomwRU2Ct3rymGHMfIYcH5PWLeCxrqmc6aM9M9V__f0hNFq_8EXU70kwDdYfrMC1dh92figOZAhFeMS-7VtAql_Js9MQg/w640-h182/6aa.jpg" width="640" /></a></div></div></div></div></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><br /><span data-offset-key="f5nun-0-0"><br /><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f5nun-0-0"><span data-offset-key="f5nun-0-0"><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">如果根据ceicdata.com所整理的数据,过去34年来平均的利率是大约3.47%,所以把这一笔134万6360令吉放入定存,其实每年有大约4万6718令吉(每个月大概有3893令吉),所以超出你所需的退休时的开销,这还没有计算入你的700令吉的租金,如果搬回怡保和父亲一起住。怡保确实是一个生活费低和非常安逸的退休理想地点,我本人也非常喜欢怡保,是座美丽的城市。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">你每个月3000令吉目前是足够的,但需要考量的是,把通货膨胀每年3%算入,10年后变成4032令吉、20年后大约5418令吉及30年后变成7282令吉。好消息的是,因为你把积蓄放在定存(大概每年3.47%),基本上只是勉强保持你的积蓄价值而已。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">建议把部份的积蓄,分散在非常保守的国民教育<span class="article-content-tag-links" style="box-sizing: border-box;"><a class="tagClick" href="https://klse.i3investor.com/tag/%e5%82%a8%e8%93%84/" ref="www.sinchew.com.my/?p=4219753" style="box-sizing: border-box; color: #0d6efd; text-decoration-line: none;" tag="储蓄">储蓄</a></span>计划SSPN(大约4%)、国家银行的默迪卡债券(Merdeka Bond,约有5%,政府担保,但只是公开给退休人士,只在特地时候通过本地银行发售)、国民信托投资(Amanah Saham)(约有6%左右,比如ASM等等,但是名额固定,不容易争取到)、产业信托基金(REITS,找Dividend Yield约有5至7%回酬的产托),或一些本地公司的债券(Retail Bond,约4至5%)等等。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">我本身几年前曾经投资过,政府的Sukuk1Malaysia,政府担保首3年,固定5%回酬,每3个月份利息,3年后可以继续持有,但就不担保有5%回酬,过后我卖了,没有在跟进任何消息了。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">如果因为目前工作量大、压力也大,可以考虑提早回去怡保,拿一或两家当地公司的账目来管理(你的专才)或其他有兴趣的行业,压力小且时间也比较自由,应该有千多令吉或以上的收入,加上现有积蓄的回酬和旧公寓的租金,基本生活费是不愁的。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><span style="box-sizing: border-box; color: #993300;"><span style="box-sizing: border-box; font-weight: bolder;">授儿以鱼不如授儿以渔</span></span></h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">最后,关于不想动用积蓄,想保留给儿子,这里有两项建议。第一,教孩子捕鱼,好过留鱼给孩子,也就是通过提供最好的教育给孩子(至少大学毕业,在加上父母的人生和职场经验),让他自力更生会更重要。你的积蓄,未来当然也可能会是孩子的创业基金也是不一定。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">我曾经在40岁参加国际企业精英课程,参与者大部份都是非常年轻的富二代或富三代(有些只是18岁),我非常惭愧,这样老才去学习,否则我的起跑点会大不同。这个感触让我了解,一定要提早让孩子参与学校课程外的学习,以便尽快派商用场。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">所以,我就是在现有的教育上,让孩子多学习其他的比如创业,电脑和网络技术,通过多旅行多接触,开拓他们的视野和格局,鼓励孩子多参与一些活动(当地游乐场及节庆)来认识更多人,在学校或补习中心多付出、分享,来扩展人脉,我们也学习李嘉诚,用餐要全家一起,除了联系感情,做父母也借这个机会和孩子沟通,分享我们的人生和职场经验,故事和重要的价值观。这些都是我们投资在孩子的点滴,以便让他们自力更生。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">第二,就是如图下,中国爷爷代表这东方的价值,而美国爷爷代表西方。我们可以参考美国爷爷的方式,善用理财工具——保险来价值和轻便最大化,也就是把你想留给孩子的三分之一,用于购买保险,保障额大约100万左右,然后用另外的三分之二,作为自己的退休和旅行用途——创造美好回忆;如果用不完,还可以通过遗嘱传承给孩子。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjR0AGkb37NRG-Oyj5LOvmOnfQh8YtLIc6QBMzSS1WICySXbZ_JXyzdBTj6CENquN87ARZIBEA2fHXgAfMpkXtbjo79epjiB9hHEzb6nBwIJzwwq61lyrnYMlwSWkTwxb5EzSvFNfVsv3x50dP8OdChuoM0SwgII2F0GLz-xEirptxbXgZm0A/s640/moneu.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="387" data-original-width="640" height="388" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjR0AGkb37NRG-Oyj5LOvmOnfQh8YtLIc6QBMzSS1WICySXbZ_JXyzdBTj6CENquN87ARZIBEA2fHXgAfMpkXtbjo79epjiB9hHEzb6nBwIJzwwq61lyrnYMlwSWkTwxb5EzSvFNfVsv3x50dP8OdChuoM0SwgII2F0GLz-xEirptxbXgZm0A/w640-h388/moneu.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><p></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"5mkt9","text":"图片来源:网络","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7g9t1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5rgls","text":"https://www.sinchew.com.my/20221107/%e7%a7%af%e8%93%84%e5%85%a8%e7%95%99%e5%84%bf%e5%ad%90-%e8%8b%a555%e5%b2%81%e9%80%80%e4%bc%91-%e5%8f%af%e9%9d%a0%e5%88%a9%e6%81%af%e8%bf%87%e6%b4%bb%ef%bc%9f/","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ce919","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9j180","text":"#财富问诊 #星洲日报 #活用理财 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #活用理财 #财务规划 #职业 #退休 #与钱同行 #财务自主 #储蓄 #投资 #打工 #老板 #中国爷爷 #美国爷爷 #保险 #通货膨胀 #与钱同行 #财福人生导师 #财福人生教育培训学院 #利息 #财富传承 #financialliteracystory #moneylifeacademysb #moneymastermy #ACFUN #赚道商圈 ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":5,"key":0},{"offset":6,"length":5,"key":1},{"offset":12,"length":5,"key":2},{"offset":18,"length":3,"key":3},{"offset":22,"length":3,"key":4},{"offset":26,"length":6,"key":5},{"offset":33,"length":5,"key":6},{"offset":39,"length":5,"key":7},{"offset":45,"length":5,"key":8},{"offset":51,"length":5,"key":9},{"offset":57,"length":3,"key":10},{"offset":61,"length":3,"key":11},{"offset":66,"length":5,"key":12},{"offset":73,"length":5,"key":13},{"offset":79,"length":3,"key":14},{"offset":83,"length":3,"key":15},{"offset":87,"length":3,"key":16},{"offset":91,"length":3,"key":17},{"offset":95,"length":5,"key":18},{"offset":101,"length":5,"key":19},{"offset":107,"length":3,"key":20},{"offset":111,"length":5,"key":21},{"offset":118,"length":5,"key":22},{"offset":124,"length":7,"key":23},{"offset":132,"length":11,"key":24},{"offset":144,"length":3,"key":25},{"offset":148,"length":5,"key":26},{"offset":154,"length":23,"key":27},{"offset":178,"length":19,"key":28},{"offset":198,"length":14,"key":29}],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"1":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"2":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"3":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"4":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"5":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"6":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"7":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"8":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"9":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"10":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"11":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"12":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"13":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"14":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"15":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"16":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%89%93%E5%B7%A5?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"17":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%80%81%E6%9D%BF?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"18":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E7%88%B7%E7%88%B7?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"19":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E7%BE%8E%E5%9B%BD%E7%88%B7%E7%88%B7?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"20":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"21":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E9%80%9A%E8%B4%A7%E8%86%A8%E8%83%80?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"22":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"23":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"24":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"25":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E5%88%A9%E6%81%AF?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"26":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"27":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"28":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}},"29":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R"}}},"VERSION":"9.3.6"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7crfd-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7crfd-0-0"><span data-offset-key="7crfd-0-0"><span data-text="true">图片来源:网络</span></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7bbsh-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7bbsh-0-0"><span data-offset-key="7bbsh-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="82hg1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="82hg1-0-0"><span data-offset-key="82hg1-0-0"><span data-text="true">https://www.sinchew.com.my/20221107/%e7%a7%af%e8%93%84%e5%85%a8%e7%95%99%e5%84%bf%e5%ad%90-%e8%8b%a555%e5%b2%81%e9%80%80%e4%bc%91-%e5%8f%af%e9%9d%a0%e5%88%a9%e6%81%af%e8%bf%87%e6%b4%bb%ef%bc%9f/</span></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6532i-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6532i-0-0"><span data-offset-key="6532i-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="67tg2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="67tg2-0-0"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-0-0"><span data-text="true">#财富问诊</span></span></a><span data-offset-key="67tg2-1-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-2-0"><span data-text="true">#星洲日报</span></span></a><span data-offset-key="67tg2-3-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-4-0"><span data-text="true">#活用理财</span></span></a><span data-offset-key="67tg2-5-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-6-0"><span data-text="true">#财经</span></span></a><span data-offset-key="67tg2-7-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-8-0"><span data-text="true">#理财</span></span></a><span data-offset-key="67tg2-9-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-10-0"><span data-text="true">#杨子佑硕士</span></span></a><span data-offset-key="67tg2-11-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-12-0"><span data-text="true">#财福人生</span></span></a><span data-offset-key="67tg2-13-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-14-0"><span data-text="true">#财商思维</span></span></a><span data-offset-key="67tg2-15-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-16-0"><span data-text="true">#活用理财</span></span></a><span data-offset-key="67tg2-17-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-18-0"><span data-text="true">#财务规划</span></span></a><span data-offset-key="67tg2-19-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-20-0"><span data-text="true">#职业</span></span></a><span data-offset-key="67tg2-21-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-22-0"><span data-text="true">#退休</span></span></a><span data-offset-key="67tg2-23-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-24-0"><span data-text="true">#与钱同行</span></span></a><span data-offset-key="67tg2-25-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-26-0"><span data-text="true">#财务自主</span></span></a><span data-offset-key="67tg2-27-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%82%A8%E8%93%84?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-28-0"><span data-text="true">#储蓄</span></span></a><span data-offset-key="67tg2-29-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-30-0"><span data-text="true">#投资</span></span></a><span data-offset-key="67tg2-31-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%89%93%E5%B7%A5?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-32-0"><span data-text="true">#打工</span></span></a><span data-offset-key="67tg2-33-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%80%81%E6%9D%BF?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-34-0"><span data-text="true">#老板</span></span></a><span data-offset-key="67tg2-35-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E7%88%B7%E7%88%B7?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-36-0"><span data-text="true">#中国爷爷</span></span></a><span data-offset-key="67tg2-37-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%BE%8E%E5%9B%BD%E7%88%B7%E7%88%B7?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-38-0"><span data-text="true">#美国爷爷</span></span></a><span data-offset-key="67tg2-39-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%BF%9D%E9%99%A9?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-40-0"><span data-text="true">#保险</span></span></a><span data-offset-key="67tg2-41-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E9%80%9A%E8%B4%A7%E8%86%A8%E8%83%80?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-42-0"><span data-text="true">#通货膨胀</span></span></a><span data-offset-key="67tg2-43-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-44-0"><span data-text="true">#与钱同行</span></span></a><span data-offset-key="67tg2-45-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-46-0"><span data-text="true">#财福人生导师</span></span></a><span data-offset-key="67tg2-47-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-48-0"><span data-text="true">#财福人生教育培训学院</span></span></a><span data-offset-key="67tg2-49-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%88%A9%E6%81%AF?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-50-0"><span data-text="true">#利息</span></span></a><span data-offset-key="67tg2-51-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E4%BC%A0%E6%89%BF?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-52-0"><span data-text="true">#财富传承</span></span></a><span data-offset-key="67tg2-53-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-54-0"><span data-text="true">#financialliteracystory</span></span></a><span data-offset-key="67tg2-55-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-56-0"><span data-text="true">#moneylifeacademysb</span></span></a><span data-offset-key="67tg2-57-0"><span data-text="true"> </span></span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZWy1nqYlNZWEGB5Frh4-AobXAmE8nGgCYrLkF1eZJ0QwZVc_L5u_wN4lq3cZuPb063fLGOUchyFSnvHhIJPfm3YGybTdPtFYZhVU2wK0rT3JIKj_JFYUzixZd_g3tUGzvRX99n2oNXUT1Qnh2L5ApFjF6SRdt0HtuLD-SKkYOBJJqQ4gf3e15UsfULje3dXiPg&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="67tg2-58-0"><span data-text="true">#moneymastermy</span></span></a><span data-offset-key="67tg2-59-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.acfun?tab=published&lang=en" target="_self"><span data-offset-key="67tg2-60-0"><span data-text="true">#ACFUN</span></span></a><span data-offset-key="67tg2-61-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.赚道商圈?tab=published&lang=en" target="_self"><span data-offset-key="67tg2-62-0"><span data-text="true">#赚道商圈</span></span></a><span data-offset-key="67tg2-63-0"><span data-text="true"> </span></span></div></div></div><div class="separator" style="clear: both; text-align: center;"></div><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /><br /></p></span></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-14724348740173557432023-02-12T19:55:00.003+08:002023-02-12T19:55:27.106+08:00疫情改变了观念 商人夫妇想提早退休?在星洲日报平台-活用理财<p> <span style="white-space: pre-wrap;">才一天,已经接近9千点阅率,我的第四篇理财个案分析-疫情改变了观念 商人夫妇想提早退休?在星洲日报平台-活用理财。 这一篇有点突破,</span></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"gb36","text":"才一天,已经接近9千点阅率,我的第四篇理财个案分析-疫情改变了观念 商人夫妇想提早退休?在星洲日报平台-活用理财。 这一篇有点突破,","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"365qk","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fet63","text":"因为忽然来的灵感去分析读者的租金,和产托比较。有投资房地产的,绝对很好的参考。星洲也感谢我的用心。希望这一编也可以像之前3篇,破10万的点阅率。谢谢大家","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bkn20","text":" ","type":"atomic","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":1,"key":0}],"data":{}},{"key":"demq3","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{"0":{"type":"wix-draft-plugin-image","mutability":"IMMUTABLE","data":{"config":{"alignment":"center","size":"content","showTitle":true,"showDescription":true,"textWrap":"wrap"},"src":{"id":"b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png","height":398,"width":600,"original_file_name":"image.png","file_name":"b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png"}}}},"VERSION":"9.3.6"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7vlhm-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7vlhm-0-0"><span data-offset-key="7vlhm-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8opfo-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0">因为忽然来的灵感去分析读者的租金,和产托比较。有投资房地产的,绝对很好的参考。星洲也感谢我的用心。希望这一编也可以像之前3篇,破10万的点阅率。谢谢大家</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0"><span data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><wow-image class="S8OAb " data-bg-effect-name="" data-has-ssr-src="" data-image-info="{"containerId":"new-image227","displayMode":"fill","isSEOBot":false,"imageData":{"width":600,"height":398,"uri":"b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png","name":"","displayMode":"fill"}}" data-src="https://static.wixstatic.com/media/b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png/v1/fill/w_720,h_478,al_c,lg_1,q_85,enc_auto/b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png" id="b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" src="https://static.wixstatic.com/media/b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png/v1/fill/w_720,h_478,al_c,lg_1,q_85,enc_auto/b93cea_ac3213fbac274c1185e8f9252743fbb8~mv2.png" style="height: 491px; object-fit: cover; width: 740px;" /></wow-image>我常有阅读星洲日报理财和财务管理的问答。
所以自己也想知道退休生活可以预期早实现吗?
我与丈夫经营着20年的电子机械维修工程,自从去年员工中了冠病,传染我夫妻俩,老伴险些没命,也因此有了后遗症,促使他吵着退休不干了。因为我一直认为上有两老要负责,下有两小要负担,不容易放手不做,如果单身随时都行。
希望你能替我看看我们可以退下来吗?
我们夫妻俩是同岁快50了。庆幸是全部产业都还清了,除了现住的房子还欠100万令吉贷款,在2019年才买下就遇到2020年疫情爆发MCO。</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0"><span data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0"><span data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgUmXKNQYgYHJ_SnjMX9F-Xx41huX41MlxGVfb3cTG97lisCMcSvWPKM8Jiu06GsXYIn8etvQweKwdcyiRpcqVD40i4eNh0R7PHbftted8J94ZTggQf34dKRfQVABvIhK0ViYIv2An9s48NorJ8U_QXGbUPDDmizOLv-6vFPGWaT-3XKRQ6yw" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="376" data-original-width="595" height="404" src="https://blogger.googleusercontent.com/img/a/AVvXsEgUmXKNQYgYHJ_SnjMX9F-Xx41huX41MlxGVfb3cTG97lisCMcSvWPKM8Jiu06GsXYIn8etvQweKwdcyiRpcqVD40i4eNh0R7PHbftted8J94ZTggQf34dKRfQVABvIhK0ViYIv2An9s48NorJ8U_QXGbUPDDmizOLv-6vFPGWaT-3XKRQ6yw=w640-h404" width="640" /></a></div><br /><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi1ugT5VnTZZNYEgvBNIgmLDWNnaYa_WsxIv0y4uigQ1I09fSg-FpurBAXqjAxXjjvGHBOW8Qvg3JOiHVKqzIuunlwnXwd9ZKJ977Kp3YLePmXR77KcMtNa9XHB0APeA6FzBx0f68Ycb_yjKZgh6HgVjHkodx2k1bUSnCokGsa0SlHvCfEtUw" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="717" data-original-width="596" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEi1ugT5VnTZZNYEgvBNIgmLDWNnaYa_WsxIv0y4uigQ1I09fSg-FpurBAXqjAxXjjvGHBOW8Qvg3JOiHVKqzIuunlwnXwd9ZKJ977Kp3YLePmXR77KcMtNa9XHB0APeA6FzBx0f68Ycb_yjKZgh6HgVjHkodx2k1bUSnCokGsa0SlHvCfEtUw=w531-h640" width="531" /></a></div><br /><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgX7Z36gAvESi51PZsnUfyJY_SpfZtNxID3YXZA5-hy0mEgH0pdC0R15--4mBfV5RJ1FBvLglFGC6iF4Q3b32kYvtylsRFInnX5dqkwlXenNto9ZzKJOwVsCxu-VTrWZo0z4sA11GLP2dGs6zMITcRo2DGwLJfZmmNeB1UO6IVeL0HtUSsARQ" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="694" data-original-width="381" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEgX7Z36gAvESi51PZsnUfyJY_SpfZtNxID3YXZA5-hy0mEgH0pdC0R15--4mBfV5RJ1FBvLglFGC6iF4Q3b32kYvtylsRFInnX5dqkwlXenNto9ZzKJOwVsCxu-VTrWZo0z4sA11GLP2dGs6zMITcRo2DGwLJfZmmNeB1UO6IVeL0HtUSsARQ=w352-h640" width="352" /></a><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgX7Z36gAvESi51PZsnUfyJY_SpfZtNxID3YXZA5-hy0mEgH0pdC0R15--4mBfV5RJ1FBvLglFGC6iF4Q3b32kYvtylsRFInnX5dqkwlXenNto9ZzKJOwVsCxu-VTrWZo0z4sA11GLP2dGs6zMITcRo2DGwLJfZmmNeB1UO6IVeL0HtUSsARQ" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><a href="https://blogger.googleusercontent.com/img/a/AVvXsEh_DblssbrBhoPYgAyZvHHqc-d16S46zQdVTloDBnocK0_bOe3D1idxcDwiYBSFRi0BsIqwtXVUcKGKMFV_DQBaXQEJHCqm1YqedY-SdahKt7FNQAPRIseB95bXvjViUew1G_MtOHTJkWVxDFMHVOWJuN_IH68WxwvC2mLUu1B0qX7OwWtPdw" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="691" data-original-width="622" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEh_DblssbrBhoPYgAyZvHHqc-d16S46zQdVTloDBnocK0_bOe3D1idxcDwiYBSFRi0BsIqwtXVUcKGKMFV_DQBaXQEJHCqm1YqedY-SdahKt7FNQAPRIseB95bXvjViUew1G_MtOHTJkWVxDFMHVOWJuN_IH68WxwvC2mLUu1B0qX7OwWtPdw=w576-h640" width="576" /></a></div></div><br /><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8opfo-0-0" style="white-space: pre-wrap;"><span data-offset-key="8opfo-0-0"><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;"><span style="box-sizing: border-box; color: green;">应该就这么多了。劳烦你替我算算退休可行吗?依据你的说法,是要向老伴交代,不然他一直认为我贪得无厌不愿陪伴他回归田野生活。他来自小镇,一直响往儿时的小镇,缅怀乡里乡亲的事与物。</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><span style="box-sizing: border-box; color: green;"><span style="box-sizing: border-box; font-weight: bolder;">忠实星洲读者X</span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><span style="box-sizing: border-box; color: green;"><span style="box-sizing: border-box; font-weight: bolder;"><br /></span></span></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"></p><div class="separator" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgNsvZ_3TqL0m1t_EulXCtYudejXrpAwxwPwszpM1Dz5jZPuBaJFvX4BZuzfG2fl8kTQrlRTL7V5amkS58_hbxadWoCWvJPAjgK4IthXdL53o_me5E31tcx83TnfhkiZLZfLF-4ULdzb5KVnA1FumrnnuyoMGW4pjcOJwF8HQDsfq3Jk4qZaA" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="181" data-original-width="349" height="166" src="https://blogger.googleusercontent.com/img/a/AVvXsEgNsvZ_3TqL0m1t_EulXCtYudejXrpAwxwPwszpM1Dz5jZPuBaJFvX4BZuzfG2fl8kTQrlRTL7V5amkS58_hbxadWoCWvJPAjgK4IthXdL53o_me5E31tcx83TnfhkiZLZfLF-4ULdzb5KVnA1FumrnnuyoMGW4pjcOJwF8HQDsfq3Jk4qZaA" width="320" /></a></div><span style="box-sizing: border-box; color: green;"><span style="box-sizing: border-box; font-weight: bolder;"><br /><br /></span></span><p></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><span style="box-sizing: border-box; font-weight: bolder;">星洲读者X:</span>你好,关于你的询问是否可以现在退休,如果你的月开销大约如以上的表所显示一样,是2万3800令吉,然后,通货膨胀是5%,那么,从现在退休到80岁的30年退休生活,你们大约需要1148万令吉(这一笔退休金需要放在定存3%年回酬)。如果扣除,目前你们拥有的净资产的648万令吉,尚缺500万令吉。但是,如果你们打算,把生意卖了,可以套现超过5百万的话,那就足够了。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">30年退休生活需1148万</h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">这个预算可没有预算任何孩子未来大学的教育费,如果送孩子出国读书,每人多少也需要最少100万令吉或以上,真实数目还是需要了解去哪一个国家读书、什么科系等等。如果本地读书,不管政府或私人或双联课程就便宜很多,还可以尝试去向PTPTN借钱读书。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">如果把资产中的现金、公积金、黄金、外币来凑合1300万令吉还清所有债务,那么,你们的每个月开销大约1万2000令吉,如果再扣除所有租金收入,你的开销每月大约6425令吉。以每个月6425令吉退休资金缺口来计算退休所需,大概308万8422令吉(30年的退休和3%通货膨胀)。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">如果,扣除所有债务,你的退休金和公积金尚有58万令吉,在加上卖了2间双层店(自用)200万令吉,尚缺50万8422令吉。这是缺口数额,可以通过卖出全部或部份公司股权达到。</p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">可找同行合并享股权</h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">其实,退休可以有很多的方式,但是需要从长计议,尤其是生意人,可以考虑完全裸退,全卖了,但是需要时间找出合适的买家和谈出好价钱。把生意和同行合并也是另一种方式,然后,自己退居幕后,掌握合并后公司的一些股权也行。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">另外把生意拆成两个部份,即管理权和拥有权,找信得过和有经验的老员工(通过培训)或专人管理,但是,还握着大部份或一半的拥有权,偶然过问就行了。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">李嘉诚给我们一个非常好的例子,它用几十年栽培孩子接手,也是一种不错的方式,尤其是家族企业。李嘉诚的两个孩子五六岁就已经参与公司董事会议,一路栽培几十年,到接近年老再完全放手。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">如果把生意卖了,可以和买家签一个稍微长期的租约,每两年上调10%的租金(商业租金都是每两年最少上调一次),把该两间双层店租给买家,这样就有固定租金用于退休。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">车贷和房贷都不是高利息的贷款,所以,就算是退休了,也不急着把它们清完,只要每个月固定付款就行,但是考量到你们的银行现金,如果不在定存赚利息的话,就毫无作为,会一直贬值下去,用于清掉车贷和房贷也是不错的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">在总结前,我想分享我在大学时期,任职学会的图书馆长时,我非常清楚接班人的重要,否则过去的成功也会因为错误的接班人而毁于一旦,所以,我一接手职位,我就开始物色一年后接班的馆长,让他/她清楚整个过程,果然,我的接班人非常称职的延续我带起的高峰。生意其实也一样的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhaKVkt9ZXO5ZywhhtCZhGcxMgjR2R_w9_dCGMAT1yuDUU4NlrFUC8r68yIYYWXAfg7ThXHoQ1IfGuHCv_YQ5GyGfNjnrjK-cZKDyDicgLABN8Lb-IFthp4La_zqFxoBcufHjfzml6zCnDmXUO1qHhLr8R86fxT5QnBUcf0zRJ_yrsVIUoJkA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="340" data-original-width="800" height="272" src="https://blogger.googleusercontent.com/img/a/AVvXsEhaKVkt9ZXO5ZywhhtCZhGcxMgjR2R_w9_dCGMAT1yuDUU4NlrFUC8r68yIYYWXAfg7ThXHoQ1IfGuHCv_YQ5GyGfNjnrjK-cZKDyDicgLABN8Lb-IFthp4La_zqFxoBcufHjfzml6zCnDmXUO1qHhLr8R86fxT5QnBUcf0zRJ_yrsVIUoJkA=w640-h272" width="640" /></a></div><br /><br /><p></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><br /></p><h5 style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 1.25rem; font-weight: 500; line-height: 1.2; margin-bottom: 0.5rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">或买产托<br style="box-sizing: border-box;" />交短租管理</h5><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">在分析你的租金回酬的方面,与姐姐联名的半间双层店,租出不错的回酬4.65%,我特地把3个大马出名产托回酬让你比较参考,可以慢慢考虑把手上,自己管理的房地产卖了,然后转入产托,由专人管理,每年或半年,只管收比定存高的利息就行了。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">比如,三间双层排屋的市价是200万令吉,如果慢慢一间一间卖了,再慢慢分几次,转入买Pavallion Reits产托,你每年可以拿的租金就变成11万1000令吉(比目前4万3200令吉多很多)。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">目前,还有一个非常热门的选项,就是把你房地产交由房地产管理公司(70对30%收入分配方式),看能不能通过短租管理方式,类似Airbnb的方式,租出更好价钱,同时,不必自己去张罗一些出租琐事。房地产管理公司懂得如何包装或稍微装修,以便租出好价钱。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">同样的,你每个月拿收入就行了,屋子还是属于你的。</p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;">最后。总结一下,其实,不管哪种退休或生意退场方式都基本上没有资金上的问题,只是有些安排稍微需要时间,比如栽培人才或接班人。 </p><p style="background-color: white; box-sizing: border-box; color: #212529; flex-shrink: 0; font-family: Arial; font-size: 14px; margin-bottom: 1rem; margin-top: var(--bs-gutter-y); max-width: 100%; padding-left: calc(var(--bs-gutter-x)/ 2); padding-right: calc(var(--bs-gutter-x)/ 2); white-space: normal; width: 716.667px;"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.sinchew.com.my/20221212/疫情改变了观念-商人夫妇想提早退/" rel="noopener noreferrer" style="background-color: transparent; white-space: pre-wrap;" target="_blank"><span data-offset-key="4f0le-0-0"><span data-text="true">https://www.sinchew.com.my/20221212/疫情改变了观念-商人夫妇想提早退/</span></span></a><span data-offset-key="4f0le-1-0" style="background-color: transparent; white-space: pre-wrap;"><span data-text="true"> </span></span></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"4e7hj","text":"目前,还有一个非常热门的选项,就是把你房地产交由房地产管理公司(70对30%收入分配方式),看能不能通过短租管理方式,类似Airbnb的方式,租出更好价钱,同时,不必自己去张罗一些出租琐事。房地产管理公司懂得如何包装或稍微装修,以便租出好价钱。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f4kv3","text":"同样的,你每个月拿收入就行了,屋子还是属于你的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7ah8d","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4e54v","text":"最后。总结一下,其实,不管哪种退休或生意退场方式都基本上没有资金上的问题,只是有些安排稍微需要时间,比如栽培人才或接班人。 ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8j7v3","text":" ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1b12p","text":"https://www.sinchew.com.my/20221212/疫情改变了观念-商人夫妇想提早退/ ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":0,"length":53,"style":"UNDERLINE"}],"entityRanges":[{"offset":0,"length":53,"key":0}],"data":{}},{"key":"ffj3p","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"277b9","text":"#财富问诊 #星洲日报 #活用理财 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #活用理财 #财务规划 #职业 #退休 #与钱同行 #财务自主 #储蓄 #投资 #打工 #老板 #产托 #房地产 #租金 #投资 #通货膨胀 #与钱同行 #财福人生导师 #财福人生教育培训学院 #利息 #财富传承 # 商人#financialliteracystory #moneylifeacademysb #moneymastermy #ACFUN #赚道商圈","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.sinchew.com.my/20221212/疫情改变了观念-商人夫妇想提早退/","target":"_blank","rel":""}}},"VERSION":"9.3.6"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="c5lho-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="c5lho-0-0"><span data-offset-key="c5lho-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="c0n9f-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="c0n9f-0-0"><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财富问诊?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-0-0"><span data-text="true">#财富问诊</span></span></a><span data-offset-key="c0n9f-1-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.星洲日报?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-2-0"><span data-text="true">#星洲日报</span></span></a><span data-offset-key="c0n9f-3-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.活用理财?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-4-0"><span data-text="true">#活用理财</span></span></a><span data-offset-key="c0n9f-5-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财经?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-6-0"><span data-text="true">#财经</span></span></a><span data-offset-key="c0n9f-7-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.理财?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-8-0"><span data-text="true">#理财</span></span></a><span data-offset-key="c0n9f-9-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.杨子佑硕士?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-10-0"><span data-text="true">#杨子佑硕士</span></span></a><span data-offset-key="c0n9f-11-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财福人生?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-12-0"><span data-text="true">#财福人生</span></span></a><span data-offset-key="c0n9f-13-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财商思维?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-14-0"><span data-text="true">#财商思维</span></span></a><span data-offset-key="c0n9f-15-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.活用理财?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-16-0"><span data-text="true">#活用理财</span></span></a><span data-offset-key="c0n9f-17-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财务规划?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-18-0"><span data-text="true">#财务规划</span></span></a><span data-offset-key="c0n9f-19-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.职业?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-20-0"><span data-text="true">#职业</span></span></a><span data-offset-key="c0n9f-21-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.退休?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-22-0"><span data-text="true">#退休</span></span></a><span data-offset-key="c0n9f-23-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.与钱同行?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-24-0"><span data-text="true">#与钱同行</span></span></a><span data-offset-key="c0n9f-25-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财务自主?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-26-0"><span data-text="true">#财务自主</span></span></a><span data-offset-key="c0n9f-27-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.储蓄?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-28-0"><span data-text="true">#储蓄</span></span></a><span data-offset-key="c0n9f-29-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.投资?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-30-0"><span data-text="true">#投资</span></span></a><span data-offset-key="c0n9f-31-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.打工?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-32-0"><span data-text="true">#打工</span></span></a><span data-offset-key="c0n9f-33-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.老板?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-34-0"><span data-text="true">#老板</span></span></a><span data-offset-key="c0n9f-35-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.产托?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-36-0"><span data-text="true">#产托</span></span></a><span data-offset-key="c0n9f-37-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.房地产?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-38-0"><span data-text="true">#房地产</span></span></a><span data-offset-key="c0n9f-39-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.租金?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-40-0"><span data-text="true">#租金</span></span></a><span data-offset-key="c0n9f-41-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.投资?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-42-0"><span data-text="true">#投资</span></span></a><span data-offset-key="c0n9f-43-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.通货膨胀?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-44-0"><span data-text="true">#通货膨胀</span></span></a><span data-offset-key="c0n9f-45-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.与钱同行?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-46-0"><span data-text="true">#与钱同行</span></span></a><span data-offset-key="c0n9f-47-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财福人生导师?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-48-0"><span data-text="true">#财福人生导师</span></span></a><span data-offset-key="c0n9f-49-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财福人生教育培训学院?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-50-0"><span data-text="true">#财福人生教育培训学院</span></span></a><span data-offset-key="c0n9f-51-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.利息?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-52-0"><span data-text="true">#利息</span></span></a><span data-offset-key="c0n9f-53-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.财富传承?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-54-0"><span data-text="true">#财富传承</span></span></a><span data-offset-key="c0n9f-55-0"><span data-text="true"> # 商人#financialliteracystory </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.moneylifeacademysb?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-56-0"><span data-text="true">#moneylifeacademysb</span></span></a><span data-offset-key="c0n9f-57-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.moneymastermy?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-58-0"><span data-text="true">#moneymastermy</span></span></a><span data-offset-key="c0n9f-59-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.acfun?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-60-0"><span data-text="true">#ACFUN</span></span></a><span data-offset-key="c0n9f-61-0"><span data-text="true"> </span></span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.赚道商圈?tab=published&lang=en" target="_self"><span data-offset-key="c0n9f-62-0"><span data-text="true">#赚道商圈</span></span></a></div></div></div></span></div></div><figure class="_2zSkX FSEVs" contenteditable="false" data-block="true" data-editor="editor" data-offset-key="7velp-0-0" style="white-space: pre-wrap;"><div class="_1BaDs _2OtS3 CKAfH _1CBud Dsu-b _1au4D f3bms4w _3eCPQ undefined kWFic" data-focus="true" role="none" style="cursor: default; position: relative;" width="20"><div class="_2kEVY" data-hook="imageViewer" role="button" tabindex="0"><div class="_3WJnn _2i-Gt f3bms4w" id="new-image227" style="--dim-height: 398; --dim-width: 600;"></div><div class=""></div><div class=""></div></div><div class="aWTlU" data-hook="componentOverlay" draggable="true" role="none"></div></div></figure><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="451pe-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="451pe-0-0"><span data-offset-key="451pe-0-0" style="color: green; font-weight: bold;"><span data-text="true"></span></span></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-44497897422791746942023-02-12T19:48:00.006+08:002023-02-12T19:48:51.255+08:00存了一筆錢先買房還是買產托?中国报-報導:黃雪儀<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyCKEeVRLouLQxNnLRB3-MmoHOOhLyh34JXK9-yVmzHQQQytvJeb7zaJqWFst5T0PZVPeKIVcSzzzGsOhzVKU9e6avAtDhW2mDL9mFhdagZ8QTo6S2AStd-CEyMN_gBmwhOHqVHa7aNTewOYz5cJFywjFUvnm8MkEZb-fL6-_Nh51IKRLVKQ/s693/Screenshot%202023-02-06%20143744.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="634" data-original-width="693" height="586" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyCKEeVRLouLQxNnLRB3-MmoHOOhLyh34JXK9-yVmzHQQQytvJeb7zaJqWFst5T0PZVPeKIVcSzzzGsOhzVKU9e6avAtDhW2mDL9mFhdagZ8QTo6S2AStd-CEyMN_gBmwhOHqVHa7aNTewOYz5cJFywjFUvnm8MkEZb-fL6-_Nh51IKRLVKQ/w640-h586/Screenshot%202023-02-06%20143744.jpg" width="640" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyCKEeVRLouLQxNnLRB3-MmoHOOhLyh34JXK9-yVmzHQQQytvJeb7zaJqWFst5T0PZVPeKIVcSzzzGsOhzVKU9e6avAtDhW2mDL9mFhdagZ8QTo6S2AStd-CEyMN_gBmwhOHqVHa7aNTewOYz5cJFywjFUvnm8MkEZb-fL6-_Nh51IKRLVKQ/s693/Screenshot%202023-02-06%20143744.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><br /></a></div><p></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"fvrs8","text":"存了一筆錢","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3asbs","text":"先買房還是買產托?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"e6cp2","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cd88a","text":"■引言:","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9o5tl","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fa8uv","text":"投資買房,既可以收取租金收入,又能以房養老,所以很多人都希望能買房收租,過上包租公、包租婆的生活。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fbpo5","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1qa92","text":"其實除了直接投資房產,買產托(REITs)也是一個投資房產的渠道,而且門檻較低,只需約1000令吉就能入場。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"e3ukc","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"boppo","text":"但產托真的值得買嗎?抑或應該直接投資物業,至少房契寫的是自己的名字?對一般人而言,到底應該先買房還是買產托呢?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"75rqm","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"e8ah6","text":"■主文:","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a4te8","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"46f16","text":"理財專家建議,還沒有房產的人們,應該先把自己的住房問題解決了,才來談投資。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1l6vn","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bqo0b","text":"VKA財富管理集團理財師方穩彬回應《中國報》提問時說,先買房還是買產托(REIT),需要考量個人現金流和風險承受能力。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9isqa","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9m40f","text":"他說,兩種投資各有好壞處,應根據投資目標選擇適合自己的,比如退休人士或者不善於管理房產的人,就適合買產托。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cnu5p","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5q2a2","text":"財務規劃師楊子佑受訪時認為,每個人應至少買一間房自住,因為我國政府推崇“居者有其屋”鼓勵國人買房,長期來看,在我國買房是一項好投資。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b5d00","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1ne3h","text":"“在過去30、40年,大馬房產價格都出現增長,每年平均增長6%至8%,大概10至12年就會翻一倍。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5mlmn","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"enkjh","text":"他說,一個國家房價增長與政策息息相關,若政府鼓勵國人買房,房子價格就會增長,就如美國和英國。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7fsk7","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1e4uj","text":"若看德國、瑞士在過去30、40年數據,當地房產價格平均值僅僅增長了70%至80%,因為當地政府主張把房產當成是基本需求。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dm4dn","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.3.6"}" style="white-space: pre-wrap;"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ds7d6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ds7d6-0-0"><span data-offset-key="ds7d6-0-0">存了一筆錢</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9ajpl-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9ajpl-0-0"><span data-offset-key="9ajpl-0-0">先買房還是買產托?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9fafc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9fafc-0-0"><span data-offset-key="9fafc-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="g1cc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="g1cc-0-0"><span data-offset-key="g1cc-0-0">■引言:</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="14min-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="14min-0-0"><span data-offset-key="14min-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="envpp-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="envpp-0-0"><span data-offset-key="envpp-0-0">投資買房,既可以收取租金收入,又能以房養老,所以很多人都希望能買房收租,過上包租公、包租婆的生活。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="fqfl6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fqfl6-0-0"><span data-offset-key="fqfl6-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7qflm-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7qflm-0-0"><span data-offset-key="7qflm-0-0">其實除了直接投資房產,買產托(REITs)也是一個投資房產的渠道,而且門檻較低,只需約1000令吉就能入場。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8b110-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8b110-0-0"><span data-offset-key="8b110-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="e0s8k-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="e0s8k-0-0"><span data-offset-key="e0s8k-0-0">但產托真的值得買嗎?抑或應該直接投資物業,至少房契寫的是自己的名字?對一般人而言,到底應該先買房還是買產托呢?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7e0ak-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7e0ak-0-0"><span data-offset-key="7e0ak-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1ppt1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1ppt1-0-0"><span data-offset-key="1ppt1-0-0">■主文:</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ffant-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ffant-0-0"><span data-offset-key="ffant-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dfg4c-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dfg4c-0-0"><span data-offset-key="dfg4c-0-0">理財專家建議,還沒有房產的人們,應該先把自己的住房問題解決了,才來談投資。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7dhjo-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7dhjo-0-0"><span data-offset-key="7dhjo-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4kvu5-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4kvu5-0-0"><span data-offset-key="4kvu5-0-0">VKA財富管理集團理財師方穩彬回應《中國報》提問時說,先買房還是買產托(REIT),需要考量個人現金流和風險承受能力。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7v4re-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7v4re-0-0"><span data-offset-key="7v4re-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3b7gu-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3b7gu-0-0"><span data-offset-key="3b7gu-0-0">他說,兩種投資各有好壞處,應根據投資目標選擇適合自己的,比如退休人士或者不善於管理房產的人,就適合買產托。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ccamn-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ccamn-0-0"><span data-offset-key="ccamn-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5u5r-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5u5r-0-0"><span data-offset-key="5u5r-0-0">財務規劃師楊子佑受訪時認為,每個人應至少買一間房自住,因為我國政府推崇“居者有其屋”鼓勵國人買房,長期來看,在我國買房是一項好投資。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9pqpk-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9pqpk-0-0"><span data-offset-key="9pqpk-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f8o68-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f8o68-0-0"><span data-offset-key="f8o68-0-0">“在過去30、40年,大馬房產價格都出現增長,每年平均增長6%至8%,大概10至12年就會翻一倍。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="267v4-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="267v4-0-0"><span data-offset-key="267v4-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="e1mn2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="e1mn2-0-0"><span data-offset-key="e1mn2-0-0">他說,一個國家房價增長與政策息息相關,若政府鼓勵國人買房,房子價格就會增長,就如美國和英國。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a1l9q-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a1l9q-0-0"><span data-offset-key="a1l9q-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="49s66-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="49s66-0-0"><span data-offset-key="49s66-0-0">若看德國、瑞士在過去30、40年數據,當地房產價格平均值僅僅增長了70%至80%,因為當地政府主張把房產當成是基本需求。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="98oih-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="98oih-0-0"><span data-offset-key="98oih-0-0"></span></div></div></div><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEh_Y_uyE8pLovfKTaC9vWLQ8-hgW04OjPXePaCE28OFjHEY6-U1JPpxCP7ZPx0aUl7wcQFLS722UV_7T-mQhagzSgISktPZed63VLvoNx1b0oIIYdnJQutb9U9QsnwpiiGqysju7U0TA4AgE5seWeeJzlMKwtXGy9yKhMW6U8T8s9KWFhCxww" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="526" data-original-width="1081" height="312" src="https://blogger.googleusercontent.com/img/a/AVvXsEh_Y_uyE8pLovfKTaC9vWLQ8-hgW04OjPXePaCE28OFjHEY6-U1JPpxCP7ZPx0aUl7wcQFLS722UV_7T-mQhagzSgISktPZed63VLvoNx1b0oIIYdnJQutb9U9QsnwpiiGqysju7U0TA4AgE5seWeeJzlMKwtXGy9yKhMW6U8T8s9KWFhCxww=w640-h312" width="640" /></a></div><br /><br /><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgyCKEeVRLouLQxNnLRB3-MmoHOOhLyh34JXK9-yVmzHQQQytvJeb7zaJqWFst5T0PZVPeKIVcSzzzGsOhzVKU9e6avAtDhW2mDL9mFhdagZ8QTo6S2AStd-CEyMN_gBmwhOHqVHa7aNTewOYz5cJFywjFUvnm8MkEZb-fL6-_Nh51IKRLVKQ/s693/Screenshot%202023-02-06%20143744.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a></div><div data-draftjs-conductor-fragment="{"blocks":[{"key":"amod8","text":"****小題:投資房產成本多","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ddch6","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dpb4l","text":"不過,從成本費用方面來比較,投資房產需要投入較多資金,而且從買到手到出租,需要繳納的費用有印花稅、裝修費、中介服用費、物業費用以及后續的維修管理費用等。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9so8j","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"coq6f","text":"楊子佑說,買產托沒有這些成本,投資門檻較低,相比起買賣實體房產,只需數百令吉(取決於產托的股價)就可以入場,每個季度或半年只需坐等股息,操作較簡單,蠻適合沒有管理房產經驗的人和退休人士。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8dbd1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9h1u","text":"“買產托的另一個好處是能分散投資,分散在不同資產與行業。因為一個產托旗下有多個資產,若其中一個物業租金表現不佳,還有其他物業收入。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9ioto","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6l23r","text":"方穩彬說,相比房產,買產托的流動性較高,幾時出場都可以,但賺錢與否還看中長期投資。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"77erd","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cooo9","text":"不過,買產托就需要面對股價波動的風險,並不適合每個人,房產的價格則較為穩定。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"48ei3","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3m0tl","text":"■副文:可在屬意地區租房觀察","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"29s","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"383rq","text":"買房產的好處就有更多借貸槓桿,指的是買房時只需自備10%頭期款,剩下的90%就可以向銀行貸款;而買產托就只是1比1。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dapqj","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f3n3u","text":"楊子佑說,買產托只是1比1,用多少錢就只能買到多少錢的產托單位,反觀買房產的杠杆是1比9,買房產會比較劃算,尤其是第一間房子。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ffrtk","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"571ki","text":"儘管如此,買房並不能急,因為合適的地點很重要,他建議,有意買房者可在屬意地區附近先租房子觀察學校、醫院等公共設施的完善度,而且要經常留意政府的發展動向。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6gk5b","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9j4i5","text":"“最好是買在大城市,附近有公共交通、發展項目的,但管理房產不容易,尤其是當你擁有第3、4間房產時。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cr896","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9kk5p","text":"不過,隨著國家銀行去年開始升息,若選擇買房投資,就務必得確保個人現金流充裕。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"esprd","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dbiap","text":"方穩彬指出,近期許多房產投資者的租金收入都無法完全支付每月房貸供期,這意味著買房后還要“貼錢”,所以買房前一定要確保自己的現金流足夠。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"752uo","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f3crk","text":"■副文:什麼是產托?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"31mfj","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3thbt","text":"房地產信托基金(簡稱產托,REIT),全名為Real Estate Investment Trust,顧名思義是一個投資房產的投資工具。 ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"kqu4","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"694h4","text":"信託基金公司將匯集投資者的錢,購買各類不動產,比如購物商場、酒店、辦公樓及工業倉庫等,再出租來賺取租金收入。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"213ta","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9ae7d","text":"你去過吉隆坡谷中城購物中心(Mid Valley Megamall)和The Gardens Mall嗎?其實首都這兩家著名購物廣場,都是怡保花園產託(IGBREIT,5227,主要板產託)旗下的資產。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"efeuc","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3vj9e","text":"大部分信託基金公司會在每半年或每個季度,以收益分配方式派發股息給投資者。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b57me","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5vctr","text":"■副文:先了解才投資","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5gtml","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4q3li","text":"在決定投資產托之前,必需先了解各個產托的資產組合,才能挑到一個能穩定賺錢的產托。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8qf6","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ea2mp","text":"理財師認為,挑選產托需要看的2項指標,是產托種類和股息回酬率(dividend yield)。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dj76a","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ej8q1","text":"每個產托的物業種類、資產素質和獲利能力都不同,例如酒店、工業建築、商場等。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3d22l","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1adrb","text":"方穩彬說,如果產托的資產種類較多,那麼租金收入就比較穩定,不會因為某項資產租戶冷清而影響租金收入,繼而影響投資者獲得的股息。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f2ejr","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"17p5b","text":"楊子佑指出,工業產托和醫院的租戶合約通常是長期的,所以相對零售商場,風險較低。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1bb71","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"14i2k","text":"“若是辦公室資產,則要謹慎挑選,因為吉隆坡的辦公室已經供過於求,加上疫情導致居家辦公盛行,而且租戶可以隨時更換合約。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bmcnd","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"frja6","text":"若買產托,要考量資產本質是否會受到經濟影響,比如醫院、學校就不大會受到經濟影響。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7nc3k","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8ohkk","text":"無論如何,買房或買產托都是中長期投資,兩者亦能相輔相成,各有千秋。但這兩者都不是穩賺不賠的,因此投資前務必得做足功課,同時以個人投資目標和能力為準。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3rvht","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4vhj1","text":"◤会员文:楼转乾坤◢ 先买房还是买产托? | 中國報 China Press","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":38,"key":0}],"data":{}},{"key":"7q506","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6jm18","text":"#中国报#财福人生#杨子佑硕士#房地产#投资#财富#ACFUN#赚道商圈#财福人生导师#财福人生教育培训学院#教育#培训#专业#理财#杨子佑硕士#财福人生#财商思维#财务规划#与钱同行#财务自主#企业培训#人力资源#专业培训#财福人生创始者#financialliteracystory#moneylifeacademysb#moneymastermy#YongChuEu#moneylifeacademy#wisdom #finance #learning #financialfreedom #financialplanning #future #capital #money #wealth #legacy #governance #corporate #hrd #hrdcorp #professional","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":4,"key":1},{"offset":4,"length":5,"key":2},{"offset":9,"length":6,"key":3},{"offset":15,"length":4,"key":4},{"offset":19,"length":3,"key":5},{"offset":22,"length":3,"key":6},{"offset":25,"length":6,"key":7},{"offset":31,"length":5,"key":8},{"offset":36,"length":7,"key":9},{"offset":43,"length":11,"key":10},{"offset":54,"length":3,"key":11},{"offset":57,"length":3,"key":12},{"offset":60,"length":3,"key":13},{"offset":63,"length":3,"key":14},{"offset":66,"length":6,"key":15},{"offset":72,"length":5,"key":16},{"offset":77,"length":5,"key":17},{"offset":82,"length":5,"key":18},{"offset":87,"length":5,"key":19},{"offset":92,"length":5,"key":20},{"offset":97,"length":5,"key":21},{"offset":102,"length":5,"key":22},{"offset":107,"length":5,"key":23},{"offset":112,"length":8,"key":24},{"offset":120,"length":23,"key":25},{"offset":143,"length":19,"key":26},{"offset":162,"length":14,"key":27},{"offset":176,"length":10,"key":28},{"offset":186,"length":17,"key":29},{"offset":203,"length":7,"key":30}],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.chinapress.com.my/?p=3300729"}},"1":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E6%8A%A5?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"2":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"3":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"4":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"5":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"6":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"7":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/acfun?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"8":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B5%9A%E9%81%93%E5%95%86%E5%9C%88?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"9":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"10":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"11":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"12":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"13":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"14":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"15":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"16":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"17":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"18":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"19":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"20":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"21":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%BC%81%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"22":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%BA%BA%E5%8A%9B%E8%B5%84%E6%BA%90?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"23":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"24":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%88%9B%E5%A7%8B%E8%80%85?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"25":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"26":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"27":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"28":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"29":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/moneylifeacademy?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}},"30":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://www.facebook.com/hashtag/wisdom?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R"}}},"VERSION":"9.3.6"}" style="white-space: pre-wrap;"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2krrt-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2krrt-0-0"><span data-offset-key="2krrt-0-0">****小題:投資房產成本多</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bcgh6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bcgh6-0-0"><span data-offset-key="bcgh6-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2dh9h-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2dh9h-0-0"><span data-offset-key="2dh9h-0-0">不過,從成本費用方面來比較,投資房產需要投入較多資金,而且從買到手到出租,需要繳納的費用有印花稅、裝修費、中介服用費、物業費用以及后續的維修管理費用等。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="amjik-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="amjik-0-0"><span data-offset-key="amjik-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="24tlt-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="24tlt-0-0"><span data-offset-key="24tlt-0-0">楊子佑說,買產托沒有這些成本,投資門檻較低,相比起買賣實體房產,只需數百令吉(取決於產托的股價)就可以入場,每個季度或半年只需坐等股息,操作較簡單,蠻適合沒有管理房產經驗的人和退休人士。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a8t00-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a8t00-0-0"><span data-offset-key="a8t00-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9uha6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9uha6-0-0"><span data-offset-key="9uha6-0-0">“買產托的另一個好處是能分散投資,分散在不同資產與行業。因為一個產托旗下有多個資產,若其中一個物業租金表現不佳,還有其他物業收入。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9l5am-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9l5am-0-0"><span data-offset-key="9l5am-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="eh8c0-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="eh8c0-0-0"><span data-offset-key="eh8c0-0-0">方穩彬說,相比房產,買產托的流動性較高,幾時出場都可以,但賺錢與否還看中長期投資。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dislf-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dislf-0-0"><span data-offset-key="dislf-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8ds39-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8ds39-0-0"><span data-offset-key="8ds39-0-0">不過,買產托就需要面對股價波動的風險,並不適合每個人,房產的價格則較為穩定。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7dk6c-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7dk6c-0-0"><span data-offset-key="7dk6c-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1k3j-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1k3j-0-0"><span data-offset-key="1k3j-0-0">■副文:可在屬意地區租房觀察</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dlkld-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dlkld-0-0"><span data-offset-key="dlkld-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a0ps2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a0ps2-0-0"><span data-offset-key="a0ps2-0-0">買房產的好處就有更多借貸槓桿,指的是買房時只需自備10%頭期款,剩下的90%就可以向銀行貸款;而買產托就只是1比1。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8qasd-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8qasd-0-0"><span data-offset-key="8qasd-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="cu6d1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cu6d1-0-0"><span data-offset-key="cu6d1-0-0">楊子佑說,買產托只是1比1,用多少錢就只能買到多少錢的產托單位,反觀買房產的杠杆是1比9,買房產會比較劃算,尤其是第一間房子。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="42quu-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="42quu-0-0"><span data-offset-key="42quu-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dt0oi-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dt0oi-0-0"><span data-offset-key="dt0oi-0-0">儘管如此,買房並不能急,因為合適的地點很重要,他建議,有意買房者可在屬意地區附近先租房子觀察學校、醫院等公共設施的完善度,而且要經常留意政府的發展動向。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3e4m1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3e4m1-0-0"><span data-offset-key="3e4m1-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="fjjaq-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fjjaq-0-0"><span data-offset-key="fjjaq-0-0">“最好是買在大城市,附近有公共交通、發展項目的,但管理房產不容易,尤其是當你擁有第3、4間房產時。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f9jb0-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f9jb0-0-0"><span data-offset-key="f9jb0-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="eg2eb-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="eg2eb-0-0"><span data-offset-key="eg2eb-0-0">不過,隨著國家銀行去年開始升息,若選擇買房投資,就務必得確保個人現金流充裕。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="28fue-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="28fue-0-0"><span data-offset-key="28fue-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9tfhc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9tfhc-0-0"><span data-offset-key="9tfhc-0-0">方穩彬指出,近期許多房產投資者的租金收入都無法完全支付每月房貸供期,這意味著買房后還要“貼錢”,所以買房前一定要確保自己的現金流足夠。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9ctbi-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9ctbi-0-0"><span data-offset-key="9ctbi-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9iisp-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9iisp-0-0"><span data-offset-key="9iisp-0-0">■副文:什麼是產托?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bv831-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bv831-0-0"><span data-offset-key="bv831-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="acl9f-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="acl9f-0-0"><span data-offset-key="acl9f-0-0">房地產信托基金(簡稱產托,REIT),全名為Real Estate Investment Trust,顧名思義是一個投資房產的投資工具。 </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="67i2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="67i2-0-0"><span data-offset-key="67i2-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3uqkn-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3uqkn-0-0"><span data-offset-key="3uqkn-0-0">信託基金公司將匯集投資者的錢,購買各類不動產,比如購物商場、酒店、辦公樓及工業倉庫等,再出租來賺取租金收入。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="43o9s-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="43o9s-0-0"><span data-offset-key="43o9s-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="14mqa-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="14mqa-0-0"><span data-offset-key="14mqa-0-0">你去過吉隆坡谷中城購物中心(Mid Valley Megamall)和The Gardens Mall嗎?其實首都這兩家著名購物廣場,都是怡保花園產託(IGBREIT,5227,主要板產託)旗下的資產。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a7qp1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a7qp1-0-0"><span data-offset-key="a7qp1-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5mcm5-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5mcm5-0-0"><span data-offset-key="5mcm5-0-0">大部分信託基金公司會在每半年或每個季度,以收益分配方式派發股息給投資者。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7a46r-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7a46r-0-0"><span data-offset-key="7a46r-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="80ron-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="80ron-0-0"><span data-offset-key="80ron-0-0">■副文:先了解才投資</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="11r1v-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="11r1v-0-0"><span data-offset-key="11r1v-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8aci4-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8aci4-0-0"><span data-offset-key="8aci4-0-0">在決定投資產托之前,必需先了解各個產托的資產組合,才能挑到一個能穩定賺錢的產托。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7e5kv-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7e5kv-0-0"><span data-offset-key="7e5kv-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5mn03-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5mn03-0-0"><span data-offset-key="5mn03-0-0">理財師認為,挑選產托需要看的2項指標,是產托種類和股息回酬率(dividend yield)。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7injc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7injc-0-0"><span data-offset-key="7injc-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="b7kkd-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="b7kkd-0-0"><span data-offset-key="b7kkd-0-0">每個產托的物業種類、資產素質和獲利能力都不同,例如酒店、工業建築、商場等。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="en4vo-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="en4vo-0-0"><span data-offset-key="en4vo-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ajqjn-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ajqjn-0-0"><span data-offset-key="ajqjn-0-0">方穩彬說,如果產托的資產種類較多,那麼租金收入就比較穩定,不會因為某項資產租戶冷清而影響租金收入,繼而影響投資者獲得的股息。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="87gkv-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="87gkv-0-0"><span data-offset-key="87gkv-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3n5v4-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3n5v4-0-0"><span data-offset-key="3n5v4-0-0">楊子佑指出,工業產托和醫院的租戶合約通常是長期的,所以相對零售商場,風險較低。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9c88i-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9c88i-0-0"><span data-offset-key="9c88i-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bddse-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bddse-0-0"><span data-offset-key="bddse-0-0">“若是辦公室資產,則要謹慎挑選,因為吉隆坡的辦公室已經供過於求,加上疫情導致居家辦公盛行,而且租戶可以隨時更換合約。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f4895-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f4895-0-0"><span data-offset-key="f4895-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ffdqj-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ffdqj-0-0"><span data-offset-key="ffdqj-0-0">若買產托,要考量資產本質是否會受到經濟影響,比如醫院、學校就不大會受到經濟影響。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7b50-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7b50-0-0"><span data-offset-key="7b50-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="fjlka-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fjlka-0-0"><span data-offset-key="fjlka-0-0">無論如何,買房或買產托都是中長期投資,兩者亦能相輔相成,各有千秋。但這兩者都不是穩賺不賠的,因此投資前務必得做足功課,同時以個人投資目標和能力為準。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="aqmrg-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="aqmrg-0-0"><span data-offset-key="aqmrg-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9nd6j-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9nd6j-0-0"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.chinapress.com.my/?p=3300729" rel="noopener noreferrer" target="_blank"><span data-offset-key="9nd6j-0-0">◤会员文:楼转乾坤◢ 先买房还是买产托? | 中國報 China Press</span></a></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2j5oc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2j5oc-0-0"><span data-offset-key="2j5oc-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3s3vd-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3s3vd-0-0"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%AD%E5%9B%BD%E6%8A%A5?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-0-0">#中国报</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-1-0">#财福人生</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-2-0">#杨子佑硕士</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%88%BF%E5%9C%B0%E4%BA%A7?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-3-0">#房地产</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-4-0">#投资</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-5-0">#财富</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/acfun?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-6-0">#ACFUN</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B5%9A%E9%81%93%E5%95%86%E5%9C%88?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-7-0">#赚道商圈</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%AF%BC%E5%B8%88?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-8-0">#财福人生导师</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E6%95%99%E8%82%B2%E5%9F%B9%E8%AE%AD%E5%AD%A6%E9%99%A2?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-9-0">#财福人生教育培训学院</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-10-0">#教育</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-11-0">#培训</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-12-0">#专业</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-13-0">#理财</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-14-0">#杨子佑硕士</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-15-0">#财福人生</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-16-0">#财商思维</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-17-0">#财务规划</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-18-0">#与钱同行</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-19-0">#财务自主</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%BC%81%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-20-0">#企业培训</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%BA%BA%E5%8A%9B%E8%B5%84%E6%BA%90?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-21-0">#人力资源</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%93%E4%B8%9A%E5%9F%B9%E8%AE%AD?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-22-0">#专业培训</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F%E5%88%9B%E5%A7%8B%E8%80%85?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-23-0">#财福人生创始者</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/financialliteracystory?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-24-0">#financialliteracystory</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/moneylifeacademysb?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-25-0">#moneylifeacademysb</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/moneymastermy?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-26-0">#moneymastermy</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-27-0">#YongChuEu</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/moneylifeacademy?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-28-0">#moneylifeacademy</span></a><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/wisdom?__eep__=6&__cft__[0]=AZWlx3viZhuFzOBXkvrDVaP7zEvFqLmwQBWOflBXNYj4WJPhtYt5XaTwpHOZc0NKhGxbB-ZuQ3vb34cAaK0v-MnS8nMRu8-dUZx3Kck1xCLBHJhTN6Uqtbdn5ptlyrZnwj5bIl27KtG4sGKyyIXPyW8eBMeUxwJ6OWMdPppBMHCDBEolucBNwiBXtbQNKkVut4E&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="3s3vd-29-0">#wisdom</span></a><span data-offset-key="3s3vd-30-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.finance?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-31-0">#finance</span></a><span data-offset-key="3s3vd-32-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.learning?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-33-0">#learning</span></a><span data-offset-key="3s3vd-34-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.financialfreedom?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-35-0">#financialfreedom</span></a><span data-offset-key="3s3vd-36-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.financialplanning?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-37-0">#financialplanning</span></a><span data-offset-key="3s3vd-38-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.future?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-39-0">#future</span></a><span data-offset-key="3s3vd-40-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.capital?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-41-0">#capital</span></a><span data-offset-key="3s3vd-42-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.money?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-43-0">#money</span></a><span data-offset-key="3s3vd-44-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.wealth?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-45-0">#wealth</span></a><span data-offset-key="3s3vd-46-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.legacy?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-47-0">#legacy</span></a><span data-offset-key="3s3vd-48-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.governance?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-49-0">#governance</span></a><span data-offset-key="3s3vd-50-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.corporate?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-51-0">#corporate</span></a><span data-offset-key="3s3vd-52-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.hrd?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-53-0">#hrd</span></a><span data-offset-key="3s3vd-54-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.hrdcorp?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-55-0">#hrdcorp</span></a><span data-offset-key="3s3vd-56-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/posts/search/.hash.professional?tab=published&lang=en" target="_self"><span data-offset-key="3s3vd-57-0">#professional</span></a></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-22661418014331169902023-02-12T19:46:00.000+08:002023-02-12T19:46:32.843+08:00已买4屋 还想买厂 如何加强财务?活用理财-星洲日报<p> </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhebFr8Cd-I2-pm534HPWwzoIw3zBjCnFJLl_bDrbEwNys6759jZzefe4-kOuZ3BhUIx7y1muF4Y3_Ho-nFXrTtoiZAC5LVq3i4_W0EBYSXXlHbbfCFFkYS_Vt4QVcLkZHKamyUOiJ-4kMV2vtjeLXt_KwwKpnmL_6gFzepNY1GAgJ2xD8PpA/s700/Screenshot%202023-02-12%20120341.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="471" data-original-width="700" height="430" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhebFr8Cd-I2-pm534HPWwzoIw3zBjCnFJLl_bDrbEwNys6759jZzefe4-kOuZ3BhUIx7y1muF4Y3_Ho-nFXrTtoiZAC5LVq3i4_W0EBYSXXlHbbfCFFkYS_Vt4QVcLkZHKamyUOiJ-4kMV2vtjeLXt_KwwKpnmL_6gFzepNY1GAgJ2xD8PpA/w640-h430/Screenshot%202023-02-12%20120341.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjKJP_Di-Z5rF1rpKNeetciNgkzSh5_S4HT6ksegxPriU-GVrEyt48WgCAexi9qmZmUcA2EtHbRzKKhH7AgHlU8-eHxqD2eh39s3yh5MO2GWXm0vRKx66YpCv6FFPXWxnXDCrVPZ6-WGR_0hljSeyr6jfJAmVqzRRLMxwl02AmqHhBA4ci0EA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><br /></a><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjKJP_Di-Z5rF1rpKNeetciNgkzSh5_S4HT6ksegxPriU-GVrEyt48WgCAexi9qmZmUcA2EtHbRzKKhH7AgHlU8-eHxqD2eh39s3yh5MO2GWXm0vRKx66YpCv6FFPXWxnXDCrVPZ6-WGR_0hljSeyr6jfJAmVqzRRLMxwl02AmqHhBA4ci0EA" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><br /></a></div><p></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"cp8ir","text":"这是我之前第五篇的个人财务分析,其实刊登在1月16日,我自己都不知道,读者已买4屋,还想买厂,如何加强财务?我就给了一些小小建议,希望对他有帮助。刚才去看我的第四篇分析,也有10.8万阅读率,这一篇,我就看不到该数据,多少阅读率。这次文章有谈房地产,如何准备去买工厂和教育费的如何去知道数目。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.3.6"}" style="white-space: pre-wrap;">这是我之前第五篇的个人财务分析,其实刊登在1月16日,我自己都不知道,读者已买4屋,还想买厂,如何加强财务?我就给了一些小小建议,希望对他有帮助。刚才去看我的第四篇分析,也有10.8万阅读率,这一篇,我就看不到该数据,多少阅读率。这次文章有谈房地产,如何准备去买工厂和教育费的如何去知道数目。</div><div data-draftjs-conductor-fragment="{"blocks":[{"key":"cp8ir","text":"这是我之前第五篇的个人财务分析,其实刊登在1月16日,我自己都不知道,读者已买4屋,还想买厂,如何加强财务?我就给了一些小小建议,希望对他有帮助。刚才去看我的第四篇分析,也有10.8万阅读率,这一篇,我就看不到该数据,多少阅读率。这次文章有谈房地产,如何准备去买工厂和教育费的如何去知道数目。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.3.6"}" style="white-space: pre-wrap;"><br /></div><p><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjKJP_Di-Z5rF1rpKNeetciNgkzSh5_S4HT6ksegxPriU-GVrEyt48WgCAexi9qmZmUcA2EtHbRzKKhH7AgHlU8-eHxqD2eh39s3yh5MO2GWXm0vRKx66YpCv6FFPXWxnXDCrVPZ6-WGR_0hljSeyr6jfJAmVqzRRLMxwl02AmqHhBA4ci0EA" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="181" data-original-width="349" height="166" src="https://blogger.googleusercontent.com/img/a/AVvXsEjKJP_Di-Z5rF1rpKNeetciNgkzSh5_S4HT6ksegxPriU-GVrEyt48WgCAexi9qmZmUcA2EtHbRzKKhH7AgHlU8-eHxqD2eh39s3yh5MO2GWXm0vRKx66YpCv6FFPXWxnXDCrVPZ6-WGR_0hljSeyr6jfJAmVqzRRLMxwl02AmqHhBA4ci0EA" width="320" /></a></p><p id="jZxvLHY" style="background-color: white; border: 0px; color: #373737; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0px 0px 1.625em; outline: 0px; padding: 0px; vertical-align: baseline;"></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"heug","text":"你好,我是Chung想向理财师指教。我今年47岁,大儿子刚上大学,二儿子就要踉着上大学,还有个小妹。我有间私人公司,是个小承包商。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4e2gp","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1mirq","text":"首先我的车贷每月2350令吉,还剩1年。第1个房贷26万令吉,每月1860令吉,23年。第2个房贷45万令吉,每月2250令吉,26年。第3个房贷22万令吉,每月1760令吉,26年,以1200令吉出租。第4个房贷56万令吉,每月2660令吉,22年。银行定期100万令吉。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"818vj","text":"请问我该怎样理财。(我还想再买一间150万令吉的工厂。)","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7fp1","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6aond","text":"Chung你好,先回答你的问题。有很多资料尚缺,所以,无法非常准确的给予关于你的财务健康的一些分析,但是,我相信这应该不是你的重点。你想了解,目前财务状况是否可以再加强,以便可以布局购买工厂。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":40,"length":2,"key":0}],"data":{}},{"key":"9t4sr","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8ak2q","text":"从资料得知,在4间屋子里,只有第3间是出租的,租金大约占贷款的68%,在疫情中,还算不错。如果和本地产托比较,如上面的附表,5.76%的年回酬是不错的。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cr5o1","text":"","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"cmma3","text":"个人财务健康指标","type":"header-five","depth":0,"inlineStyleRanges":[{"offset":0,"length":8,"style":"{\"FG\":\"#993300\"}"}],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"bc0f7","text":"","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"dji85","text":"每个月供贷款数额少于收入40%","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"kifi","text":"个人财务健康的其中一项指标就是,确保每个月供贷款(车,房和卡债)的数额少于收入的40%,否则财务压力很大,同时,很难获取新贷款。如果短期超过50%,尚可以接受,但有必要降低。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8ufm8","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dskda","text":"相信其中一间用于自住,其它两间需要出租,才考虑购买第5间房地产比较好,这是主要考量在现金流方面,还有国家银行可能会继续提高利率,贷款会变得更贵。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"uroo","text":"","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"fikks","text":"为现金进行保值布局","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"23t8b","text":"另外一种方式就是你可以找二手工厂,那些工厂老板因为现金流问题,被逼套现自己的工厂,然后,用租的方式,继续在该工厂营业,这是稳赚的“金鸡蛋”。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7np21","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1l3qu","text":"这就是现金为王的好处,尤其在危机中,有很多这种类似的投资好处,当然同时别忘了为你的现金进行保值布局,比如放入跑赢通货膨胀的保守投资中。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6phaq","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"89glh","text":"与其说巴菲特是出色的投资者,不如说他是出色的买卖家,他总是拥有几百亿的现金,尤其是市场、特定行业或公司面临危机时,来进行任何非常优厚的投资或买卖。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1i7o5","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7h3hl","text":"要在房地产中,找这稳赚的金鸡蛋,我们需要有很多房地产代理的帮忙,然后,给他们比市场稍微高的佣金,这样比较容易优先得到类似的机会。如果购买土地建厂,不管是个人还是公司,只能融资大约60%,考量到有100万现金,应该不难得到贷款。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ildc","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5df6a","text":"可与代理或短租管理公司合作","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"4ejo8","text":"对于出租其中的两间屋子,可以考量通过房地产代理或公司,也可以考量和短租管理公司合作,用类似Airbnb的方式出租,如果地点理想,可以踏上旅游旺盛的顺风车,因为疫情稍微缓和和国门大开,旅客会报复消费和旅行,大马又是国际旅客非常喜爱的地点。如果中国国门大开,允许国民进出,全球旅游业将迎来大丰收。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5a534","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3pg76","text":"可买工业产托","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"cefab","text":"虽然,不像从银行借钱,有杠杆的倍数魔力,另外一种投资工厂或房地产,就是购买工业产托(Industrial REIT),其投资性质是一样的,但风险更低,低投资入门,同时不必管理该房地产。工业产托的佼佼者就是AXIS Reit (年回酬大约5%), 因为工业出租合约都是长期的,很少会受市场景气影响。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8iefk","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"e8h8p","text":"出国读书教育费需至少100万","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"5tdag","text":"在规划孩子的教育费方面,如果送孩子出国读书,大概每个孩子最少需要有100万令吉或以上,大概在17至18岁,中五或19至20岁或中六时需要这一笔钱,至于比较准确计算的方式,还是需要了解孩子的教育是在本地还是出国,什么科系,需要多少年,什么国家和其兑换率。这些都可以通过两个管道准确了解:(一)独立的教育咨询顾问,通常可以在教育展览找到他们;(二)该大学的网站有给予大概的预算。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4l833","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7707e","text":"应先争取奖学金","type":"header-five","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{"line-height":"1.2"}}},{"key":"1cao4","text":"这里给一个例子,剑桥(Cambridge)大学。根据该大学网站https://www.undergraduate.study.cam.ac.uk/international-students/international-fees-and-costs,大马国际学生需要准备3种费用:大学费、学院费和生活费。如果是电脑科学科系学士的学费,每年大约需要3万7293英镑和一次过的学院费3万7293英镑。至于生活费,我们需要每年大约1万2400英镑。在该大学网页的国际学生部分,会有很多各类的资讯让我们有所准备。 ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7q9pa","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7nsb","text":"在规划孩子的教育费方面,我会建议鼓励孩子通过自己的实力优先争取本地或外国的奖学金。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5ueat","text":"同时,作为父母,我们可以私下准备,如果是本地大学或学院,不管政府还是私人,都可以向国民教育储蓄计划PTPTN借钱读书,拿到一等成绩还可以不必还。至于出国,就需要透过保险和投资做两方面的准备,来确保教育费准备好。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"grd0","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a64gj","text":"已买4屋,还想买厂,如何加强财务?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cbiac","text":"https://www.sinchew.com.my/?p=4463600","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6gebg","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"d1cdq","text":"#财富问诊 #星洲日报 #活用理财 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #财务规划 #退休 #与钱同行 #财务自主 #储蓄 #投资 #与钱同行 #财福人生导师 #财福人生教育培训学院 #利息 #财富传承 #赚道商圈 #买工厂 #房地产 #教育 #孩子 #大学 #产托 #学费 #租金 #financialliteracystory #moneylifeacademysb #moneymastermy #ACFUN #investment #propety #realestate #education #study #kids #university #reits #invest #dividend #sinchew #educationfee #rental","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"target":"_blank","rel":"","url":"https://klse.i3investor.com/tag/%e8%b4%a2%e5%8a%a1/"}}},"VERSION":"9.3.6"}" style="white-space: pre-wrap;"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ai5om-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ai5om-0-0"><span data-offset-key="ai5om-0-0">你好,我是Chung想向理财师指教。我今年47岁,大儿子刚上大学,二儿子就要踉着上大学,还有个小妹。我有间私人公司,是个小承包商。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="78qh3-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="78qh3-0-0"><span data-offset-key="78qh3-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="44d38-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="44d38-0-0"><span data-offset-key="44d38-0-0">首先我的车贷每月2350令吉,还剩1年。第1个房贷26万令吉,每月1860令吉,23年。第2个房贷45万令吉,每月2250令吉,26年。第3个房贷22万令吉,每月1760令吉,26年,以1200令吉出租。第4个房贷56万令吉,每月2660令吉,22年。银行定期100万令吉。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3ktfd-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3ktfd-0-0"><span data-offset-key="3ktfd-0-0">请问我该怎样理财。(我还想再买一间150万令吉的工厂。)</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3ktfd-0-0"><span data-offset-key="3ktfd-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3ktfd-0-0"><span data-offset-key="3ktfd-0-0"><span style="color: #993300; font-size: 13.28px; font-weight: 700;">个人财务健康指标</span></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="cjh9t-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cjh9t-0-0"><span data-offset-key="cjh9t-0-0"><br data-text="true" /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cjh9t-0-0"><span data-offset-key="cjh9t-0-0"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiWNcdxjbvEmvRjkQvbQRQCk7OgKoYKkqzGu5_dpVDEviVnrWkCjuY32eXsDAC7H2IKgEp5VNjTIbAVjqgoXoG5151PaUytrEdch2FAOJ2IneaMFjLTxCrNPsFZDR39O6yQivWTgsd8Gg9PG9yCxf9ki678j6xMRVt9o7gs1mgK8g6gj5QU2w" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="624" data-original-width="234" src="https://blogger.googleusercontent.com/img/a/AVvXsEiWNcdxjbvEmvRjkQvbQRQCk7OgKoYKkqzGu5_dpVDEviVnrWkCjuY32eXsDAC7H2IKgEp5VNjTIbAVjqgoXoG5151PaUytrEdch2FAOJ2IneaMFjLTxCrNPsFZDR39O6yQivWTgsd8Gg9PG9yCxf9ki678j6xMRVt9o7gs1mgK8g6gj5QU2w=s16000" /></a></div><br /><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cjh9t-0-0"><span data-offset-key="cjh9t-0-0"><br /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ca1t8-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ca1t8-0-0"><span data-offset-key="ca1t8-0-0">Chung你好,先回答你的问题。有很多资料尚缺,所以,无法非常准确的给予关于你的</span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://klse.i3investor.com/tag/%e8%b4%a2%e5%8a%a1/" rel="noopener noreferrer" target="_blank"><span data-offset-key="ca1t8-1-0">财务</span></a><span data-offset-key="ca1t8-2-0">健康的一些分析,但是,我相信这应该不是你的重点。你想了解,目前财务状况是否可以再加强,以便可以布局购买工厂。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3dfe1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3dfe1-0-0"><span data-offset-key="3dfe1-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8chru-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8chru-0-0"><span data-offset-key="8chru-0-0">从资料得知,在4间屋子里,只有第3间是出租的,租金大约占贷款的68%,在疫情中,还算不错。如果和本地产托比较,如上面的附表,5.76%的年回酬是不错的。</span></div></div><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="2fkg7-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2fkg7-0-0"><span data-offset-key="2fkg7-0-0"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiMPmoV-hrFYshg8iDxshFrHE71x4gFoVH7uBWzmVWt8ewCsosXuYuk84OHt98Zidhr3zXJUm-LIfjiNPD-Ky9mAmhIPs62QlmcefJ3T_wa835XOhYN8nkIoFbAW-K-pDPb5HmEB3nrJODH0EiUirGPbhQ-fO5p_qWGdD0AO2lgHN7DM9LqzQ" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="" data-original-height="164" data-original-width="495" height="170" src="https://blogger.googleusercontent.com/img/a/AVvXsEiMPmoV-hrFYshg8iDxshFrHE71x4gFoVH7uBWzmVWt8ewCsosXuYuk84OHt98Zidhr3zXJUm-LIfjiNPD-Ky9mAmhIPs62QlmcefJ3T_wa835XOhYN8nkIoFbAW-K-pDPb5HmEB3nrJODH0EiUirGPbhQ-fO5p_qWGdD0AO2lgHN7DM9LqzQ=w512-h170" width="512" /></a></div><br /><br data-text="true" /></span></div></h5><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="ejgsr-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><span data-offset-key="ejgsr-0-0" style="color: #993300;"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><span data-offset-key="ejgsr-0-0" style="color: #993300;"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><span data-offset-key="ejgsr-0-0" style="color: #993300;"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ejgsr-0-0">每个月供贷款数额少于收入40%</div></h5><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="272sb-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="272sb-0-0"><span data-offset-key="272sb-0-0">个人财务健康的其中一项指标就是,确保每个月供贷款(车,房和卡债)的数额少于收入的40%,否则财务压力很大,同时,很难获取新贷款。如果短期超过50%,尚可以接受,但有必要降低。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6pfrc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6pfrc-0-0"><span data-offset-key="6pfrc-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5uv5l-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5uv5l-0-0"><span data-offset-key="5uv5l-0-0">相信其中一间用于自住,其它两间需要出租,才考虑购买第5间房地产比较好,这是主要考量在现金流方面,还有国家银行可能会继续提高利率,贷款会变得更贵。</span></div></div><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="clbm1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="clbm1-0-0"><span data-offset-key="clbm1-0-0"><br data-text="true" /></span></div></h5><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="4ac5v-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4ac5v-0-0"><span data-offset-key="4ac5v-0-0">为现金进行保值布局</span></div></h5><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3sclt-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3sclt-0-0"><span data-offset-key="3sclt-0-0">另外一种方式就是你可以找二手工厂,那些工厂老板因为现金流问题,被逼套现自己的工厂,然后,用租的方式,继续在该工厂营业,这是稳赚的“金鸡蛋”。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2vmcg-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2vmcg-0-0"><span data-offset-key="2vmcg-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="243ed-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="243ed-0-0"><span data-offset-key="243ed-0-0">这就是现金为王的好处,尤其在危机中,有很多这种类似的投资好处,当然同时别忘了为你的现金进行保值布局,比如放入跑赢通货膨胀的保守投资中。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bgbum-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bgbum-0-0"><span data-offset-key="bgbum-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7jllk-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7jllk-0-0"><span data-offset-key="7jllk-0-0">与其说巴菲特是出色的投资者,不如说他是出色的买卖家,他总是拥有几百亿的现金,尤其是市场、特定行业或公司面临危机时,来进行任何非常优厚的投资或买卖。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2u8ha-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2u8ha-0-0"><span data-offset-key="2u8ha-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1p76-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1p76-0-0"><span data-offset-key="1p76-0-0">要在房地产中,找这稳赚的金鸡蛋,我们需要有很多房地产代理的帮忙,然后,给他们比市场稍微高的佣金,这样比较容易优先得到类似的机会。如果购买土地建厂,不管是个人还是公司,只能融资大约60%,考量到有100万现金,应该不难得到贷款。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9ohlk-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9ohlk-0-0"><span data-offset-key="9ohlk-0-0"><br data-text="true" /></span></div></div><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="fdvbj-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fdvbj-0-0"><span data-offset-key="fdvbj-0-0">可与代理或短租管理公司合作</span></div></h5><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="75aq9-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="75aq9-0-0"><span data-offset-key="75aq9-0-0">对于出租其中的两间屋子,可以考量通过房地产代理或公司,也可以考量和短租管理公司合作,用类似Airbnb的方式出租,如果地点理想,可以踏上旅游旺盛的顺风车,因为疫情稍微缓和和国门大开,旅客会报复消费和旅行,大马又是国际旅客非常喜爱的地点。如果中国国门大开,允许国民进出,全球旅游业将迎来大丰收。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f9gda-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f9gda-0-0"><span data-offset-key="f9gda-0-0"><br data-text="true" /></span></div></div><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="1pe33-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1pe33-0-0"><span data-offset-key="1pe33-0-0">可买工业产托</span></div></h5><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4b0t0-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4b0t0-0-0"><span data-offset-key="4b0t0-0-0">虽然,不像从银行借钱,有杠杆的倍数魔力,另外一种投资工厂或房地产,就是购买工业产托(Industrial REIT),其投资性质是一样的,但风险更低,低投资入门,同时不必管理该房地产。工业产托的佼佼者就是AXIS Reit (年回酬大约5%), 因为工业出租合约都是长期的,很少会受市场景气影响。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4a7ij-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4a7ij-0-0"><span data-offset-key="4a7ij-0-0"><br data-text="true" /></span></div></div><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="dpsi7-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dpsi7-0-0"><span data-offset-key="dpsi7-0-0">出国读书教育费需至少100万</span></div></h5><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="amrs2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="amrs2-0-0"><span data-offset-key="amrs2-0-0">在规划孩子的教育费方面,如果送孩子出国读书,大概每个孩子最少需要有100万令吉或以上,大概在17至18岁,中五或19至20岁或中六时需要这一笔钱,至于比较准确计算的方式,还是需要了解孩子的教育是在本地还是出国,什么科系,需要多少年,什么国家和其兑换率。这些都可以通过两个管道准确了解:(一)独立的教育咨询顾问,通常可以在教育展览找到他们;(二)该大学的网站有给予大概的预算。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dg58g-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dg58g-0-0"><span data-offset-key="dg58g-0-0"><br data-text="true" /></span></div></div><h5 class="_1Q3DN _3qYRK public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_line-height-1_2 rich_content_H5" data-block="true" data-editor="editor" data-offset-key="cs81d-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cs81d-0-0"><span data-offset-key="cs81d-0-0">应先争取奖学金</span></div></h5><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="vlfn-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="vlfn-0-0"><span data-offset-key="vlfn-0-0">这里给一个例子,剑桥(Cambridge)大学。根据该大学网站https://www.undergraduate.study.cam.ac.uk/international-students/international-fees-and-costs,大马国际学生需要准备3种费用:大学费、学院费和生活费。如果是电脑科学科系学士的学费,每年大约需要3万7293英镑和一次过的学院费3万7293英镑。至于生活费,我们需要每年大约1万2400英镑。在该大学网页的国际学生部分,会有很多各类的资讯让我们有所准备。 </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="242jr-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="242jr-0-0"><span data-offset-key="242jr-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="599g6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="599g6-0-0"><span data-offset-key="599g6-0-0">在规划孩子的教育费方面,我会建议鼓励孩子通过自己的实力优先争取本地或外国的奖学金。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="evndh-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="evndh-0-0"><span data-offset-key="evndh-0-0">同时,作为父母,我们可以私下准备,如果是本地大学或学院,不管政府还是私人,都可以向国民教育储蓄计划PTPTN借钱读书,拿到一等成绩还可以不必还。至于出国,就需要透过保险和投资做两方面的准备,来确保教育费准备好。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="sehv-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="sehv-0-0"><span data-offset-key="sehv-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="fu9g3-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fu9g3-0-0"><span data-offset-key="fu9g3-0-0">已买4屋,还想买厂,如何加强财务?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="e26k5-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="e26k5-0-0"><span data-offset-key="e26k5-0-0">https://www.sinchew.com.my/?p=4463600</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7t84a-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7t84a-0-0"><span data-offset-key="7t84a-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="binre-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="binre-0-0"><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财富问诊" target="_self"><span data-offset-key="binre-0-0">#财富问诊</span></a><span data-offset-key="binre-1-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.星洲日报" target="_self"><span data-offset-key="binre-2-0">#星洲日报</span></a><span data-offset-key="binre-3-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.活用理财" target="_self"><span data-offset-key="binre-4-0">#活用理财</span></a><span data-offset-key="binre-5-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财经" target="_self"><span data-offset-key="binre-6-0">#财经</span></a><span data-offset-key="binre-7-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.理财" target="_self"><span data-offset-key="binre-8-0">#理财</span></a><span data-offset-key="binre-9-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.杨子佑硕士" target="_self"><span data-offset-key="binre-10-0">#杨子佑硕士</span></a><span data-offset-key="binre-11-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财福人生" target="_self"><span data-offset-key="binre-12-0">#财福人生</span></a><span data-offset-key="binre-13-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财商思维" target="_self"><span data-offset-key="binre-14-0">#财商思维</span></a><span data-offset-key="binre-15-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财务规划" target="_self"><span data-offset-key="binre-16-0">#财务规划</span></a><span data-offset-key="binre-17-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.退休" target="_self"><span data-offset-key="binre-18-0">#退休</span></a><span data-offset-key="binre-19-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.与钱同行" target="_self"><span data-offset-key="binre-20-0">#与钱同行</span></a><span data-offset-key="binre-21-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财务自主" target="_self"><span data-offset-key="binre-22-0">#财务自主</span></a><span data-offset-key="binre-23-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.储蓄" target="_self"><span data-offset-key="binre-24-0">#储蓄</span></a><span data-offset-key="binre-25-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.投资" target="_self"><span data-offset-key="binre-26-0">#投资</span></a><span data-offset-key="binre-27-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.与钱同行" target="_self"><span data-offset-key="binre-28-0">#与钱同行</span></a><span data-offset-key="binre-29-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财福人生导师" target="_self"><span data-offset-key="binre-30-0">#财福人生导师</span></a><span data-offset-key="binre-31-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财福人生教育培训学院" target="_self"><span data-offset-key="binre-32-0">#财福人生教育培训学院</span></a><span data-offset-key="binre-33-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.利息" target="_self"><span data-offset-key="binre-34-0">#利息</span></a><span data-offset-key="binre-35-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.财富传承" target="_self"><span data-offset-key="binre-36-0">#财富传承</span></a><span data-offset-key="binre-37-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.赚道商圈" target="_self"><span data-offset-key="binre-38-0">#赚道商圈</span></a><span data-offset-key="binre-39-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.买工厂" target="_self"><span data-offset-key="binre-40-0">#买工厂</span></a><span data-offset-key="binre-41-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.房地产" target="_self"><span data-offset-key="binre-42-0">#房地产</span></a><span data-offset-key="binre-43-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.教育" target="_self"><span data-offset-key="binre-44-0">#教育</span></a><span data-offset-key="binre-45-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.孩子" target="_self"><span data-offset-key="binre-46-0">#孩子</span></a><span data-offset-key="binre-47-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.大学" target="_self"><span data-offset-key="binre-48-0">#大学</span></a><span data-offset-key="binre-49-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.产托" target="_self"><span data-offset-key="binre-50-0">#产托</span></a><span data-offset-key="binre-51-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.学费" target="_self"><span data-offset-key="binre-52-0">#学费</span></a><span data-offset-key="binre-53-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.租金" target="_self"><span data-offset-key="binre-54-0">#租金</span></a><span data-offset-key="binre-55-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.financialliteracystory" target="_self"><span data-offset-key="binre-56-0">#financialliteracystory</span></a><span data-offset-key="binre-57-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.moneylifeacademysb" target="_self"><span data-offset-key="binre-58-0">#moneylifeacademysb</span></a><span data-offset-key="binre-59-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.moneymastermy" target="_self"><span data-offset-key="binre-60-0">#moneymastermy</span></a><span data-offset-key="binre-61-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.acfun" target="_self"><span data-offset-key="binre-62-0">#ACFUN</span></a><span data-offset-key="binre-63-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.investment" target="_self"><span data-offset-key="binre-64-0">#investment</span></a><span data-offset-key="binre-65-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.propety" target="_self"><span data-offset-key="binre-66-0">#propety</span></a><span data-offset-key="binre-67-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.realestate" target="_self"><span data-offset-key="binre-68-0">#realestate</span></a><span data-offset-key="binre-69-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.education" target="_self"><span data-offset-key="binre-70-0">#education</span></a><span data-offset-key="binre-71-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.study" target="_self"><span data-offset-key="binre-72-0">#study</span></a><span data-offset-key="binre-73-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.kids" target="_self"><span data-offset-key="binre-74-0">#kids</span></a><span data-offset-key="binre-75-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.university" target="_self"><span data-offset-key="binre-76-0">#university</span></a><span data-offset-key="binre-77-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.reits" target="_self"><span data-offset-key="binre-78-0">#reits</span></a><span data-offset-key="binre-79-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.invest" target="_self"><span data-offset-key="binre-80-0">#invest</span></a><span data-offset-key="binre-81-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.dividend" target="_self"><span data-offset-key="binre-82-0">#dividend</span></a><span data-offset-key="binre-83-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.sinchew" target="_self"><span data-offset-key="binre-84-0">#sinchew</span></a><span data-offset-key="binre-85-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.educationfee" target="_self"><span data-offset-key="binre-86-0">#educationfee</span></a><span data-offset-key="binre-87-0"> </span><a class="_1SmKK" href="https://manage.wix.com/dashboard/31942012-e24d-4887-bdfa-e5d7318456d8/blog/overview/search/.hash.rental" target="_self"><span data-offset-key="binre-88-0">#rental</span></a></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-22695216628203791232022-10-22T06:46:00.001+08:002022-10-22T06:46:19.174+08:00投资回报足够应该生活费,就可以安心退休-星洲日报-活用理财<p> <span style="white-space: pre-wrap;">这是我的第二份文章,解答读者关于“投资回报足够应该生活费,就可以安心退休”</span></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"8vicf","text":"这是我的第二份文章,解答读者关于“投资回报足够应该生活费,就可以安心退休”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"79gis","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"fdida","text":"内容","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"3af7f","text":"-如何简单计算,是否足够退休?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"6dro5","text":"-何为简单的财务自由?","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"8hejf","text":"-给父母零用钱的一些建议和我自己方式","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"b5770","text":"-正面看待人事物很重要","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"aneoj","text":"-父母的言行举止确实印象孩子很多","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"e5nd9","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}}],"entityMap":{},"VERSION":"9.1.7"}" style="white-space: pre-wrap;"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5l1ji-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5l1ji-0-0"><span data-offset-key="5l1ji-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="d3bvb-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d3bvb-0-0"><span data-offset-key="d3bvb-0-0">内容</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f12i4-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f12i4-0-0"><span data-offset-key="f12i4-0-0">-如何简单计算,是否足够退休?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1ejvv-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1ejvv-0-0"><span data-offset-key="1ejvv-0-0">-何为简单的财务自由?</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9caf2-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9caf2-0-0"><span data-offset-key="9caf2-0-0">-给父母零用钱的一些建议和我自己方式</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f2u6k-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f2u6k-0-0"><span data-offset-key="f2u6k-0-0">-正面看待人事物很重要</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="83pmp-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><span data-offset-key="83pmp-0-0">-父母的言行举止确实印象孩子很多</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><span data-offset-key="83pmp-0-0"><br /></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6MHyq_INQa1alWmItDi5eGKgYGjyF61sJ4w2N2jUnbryELu-TTHQLs4WuGNzxRty9hYQPhCezCU_RgQLh7E53jBkZ5cKkWiS8-QUsWES5NTaq1gu06TcEZ7DTPCvLJGWZxBfripyy_BlZuYZPXG2g43qlszS10ZI-UPOP-sakr3Fq6j_1cQ/s697/Screenshot%202022-10-22%20064304.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="307" data-original-width="697" height="176" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6MHyq_INQa1alWmItDi5eGKgYGjyF61sJ4w2N2jUnbryELu-TTHQLs4WuGNzxRty9hYQPhCezCU_RgQLh7E53jBkZ5cKkWiS8-QUsWES5NTaq1gu06TcEZ7DTPCvLJGWZxBfripyy_BlZuYZPXG2g43qlszS10ZI-UPOP-sakr3Fq6j_1cQ/w400-h176/Screenshot%202022-10-22%20064304.png" width="400" /></a></div><br /><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><b><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">理财师简介</span></b><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">杨子佑硕士是財福人生教育培训学院的创始人和首席讲师,人力资源企业培训(</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">HRDF</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">),马来西亚财务规划理事会(</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">MFPC</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">)回教理财规划(</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Shariah RFP</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">)和持续专业培训课程(</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">CPE/CPD</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">)认证培训师,同时是拥有执照的理财师(</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">FAR/CMSRL</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">)。在</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2019</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">和</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2021</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">年,他分别出版了财务压力管理中英书籍,和开始教授菲律宾特許財富管理師专业文凭(</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">CWA</span><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;">),也常出现在本地各大媒体版位</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span lang="ZH-CN" style="font-family: SimSun; font-size: 12.0pt; mso-bidi-font-family: SimSun;"></span></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"90c3d","text":"你好,我是小张,52岁,从事的是夕阳行业。想退休,没有接班人,请工人更是难上加难,我住在小城里,每开销大概4千左右。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3dmfb","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"89d9","text":"以下是我财务状况:","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"97vuv","text":" 每月收入4k至数K左右(不稳定) ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1204d","text":" 产业=屋自住550k供完, ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2h9lr","text":" 轻工业厂1自用450k供完,退休后可卖或出租,租金约1200。 ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9kag5","text":" 轻工业厂2市值800k,如今出租2200,难加租(欠银行270k,也就是每月2600,11年供期),退休后可卖或出租。现金150k,EPF150K,asnb50k,信托50k。妻子是家庭主妇,孩子2人成年如今工作,每月每人有给一百生活费(我们不多要,生活不易)。 ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"edpts","text":" 每月开销=年老母亲1k,所有保费1k,水电车油杂费700,伙食1200++,车龄4年己供完. ","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7dkj8","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2jcb","text":" 每年想旅行一次,2人10k预算。若可,想保存产业, 请问我的财务壮况什么时候括合退休?谢谢了。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8jo9f","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2pbaf","text":"小张,你好。谢谢你的询问。我先借你的个案来分享几个核心价值观","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1esi5","text":"第一, 关于你的孩子给一百块的生活费是对了一半,因为很多有能力或不想负担孩子的父母都不想拿孩子的钱,这是不对的, 因为孩子不只不孝顺,也没有学会感恩。不会感恩的小孩,他的事业和人生的成就绝对有限。每个孩子都有责任和义务给父母零用钱,是必要的开销,作为感恩父母的付出,和父母需不需要是没有关系的。至于给多少。就根据孩子的能力和心意,(建议收入的5-10%),我们无需去限制孩子的付出,很多时候往往付出得多,得到更多,作父母要成就孩子的孝心,父母也绝对受得起孩子的孝顺,给予和照顾,这样孩子才有福。如果作为父母,无需用到这一笔钱,不访把部分的钱,用孩子的名誉去捐赠慈善,帮孩子培福,同时也回馈社会,一箭双雕。现在的社会,如果你观察入微,其实非常成功而且由可以保持长久的如郭鹤年,都不完全是因为能力,而是正确的价值观。能力强,但是错误的价值观而潦倒一生的大有人在。在这,我想抛砖引玉,分享自己的方式,我每个月会给我妈妈零用钱(父亲不在了),每年的新年,生日和母亲节给我妈妈大红包,我也承担家里大部分的拜祭费用,妈妈的一些医疗费费和所有保险费。我也常常带妈妈出去吃早餐,和孩子一起出去走走,和每个星期带孩子回家,吃妈妈煮的菜,让老人家有陪伴。这些都是我自己自愿承担,也没有要求其它兄弟姐妹一同分担。我妈妈常常会告诉我,说钱够了,太多钱了,所以,她也会常常买和保留很多东西给我,我妈妈穷和幸苦了一生,现在,我就是要让她觉得钱太多了,用不完。你和父母的关系,其实就是你和金钱的关系,处理好很重要。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8jtm","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c5anr","text":"第二, 关于生活不易,生活是否容易,其实是因人而异(我在一个万人学习网上课程上得知,大概有55%巴仙的参与者,坦诚在疫情中赚更多钱),但是个人正确和正面思维很重要,不妨去下手学习潜意识和富人思维,从新设定自己的思维,虽然已经50多年来,不容易一下子改变,但是还是很重要。你的“生活不易”思维,其实也潜移默化的传承给你的孩子,让他们现实生活中反应出来,你所说的“不容易”,何苦为难和局限自己呢。我这里并不是盲目的去自我感觉良好,而是更积极和乐观去面对生活,除了10-15%的精神用在为最坏做准备外,另外的85%的时间应该用在期待和布局最好和你所要的人事物上。我们都是被过去父母,长辈,社会,老师和成长环境给予设定了局限性想法和看法,这些都该放弃,或可以通过学习重新设定。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"blknm","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2snb4","text":"从你的来信,没有打算保留夕阳行业的意愿,是对的,但是,如果有意愿和时间去尝试突破或引进新的人才或搬上网络,来重新设定商业模式,也许夕阳行业也可以脱胎换骨变成火红行业。比如旧有的手表,我们不在需要戴手表,因为有手机或以另一种健康穿戴仪表方式出现,但是名牌表例外, 因为是名贵身份的象征,同时也是有价值的收藏品。报纸业也正走向没落,但是搬上网,或以App的方式呈现,或许可以走出一条康庄大道。巴菲特几年前,也投资不少在当地性的报纸和杂志,因为人们对当地报纸的情节和历史文化背景,有一定的怀旧和念慕。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1gk5v","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4udu8","text":"你只是想要保留产业和知道几时退休。其实,我想了大约两个星期,才慎重的开始下笔,为了给你最好的建议。你的大约收入为4千左右,孩子给大概2百块,每个月开销大约4千300 (加上轻工业厂2的贷款扣除每月租金尚欠400百)。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2nvuo","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1c0qc","text":"我从一个简单和大原则来计算(把通膨放一边,方便了解),你的大概每个月开销为4千300 (不懂轻工业厂2的贷款几时供完) 加上保留旅行预算的1万, 大概理想的退休生活费大概 5千134, 只要你有保守投资(保值)工具,每个月可以固定给你5千至6千左右, 你就可以安心退休或财务自由了。如果,我计算用定期存款作为你的保守投资(保值)工具,以目前大概3%年回酬率,你只是需要2百万母金,就可以每年享有大约6万 (每个月大约5千), 还无需消耗母金。如果其它的投资工具就如下表的计算,需要的母金就更少了","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.1.7"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ed2m1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ed2m1-0-0"><span data-offset-key="ed2m1-0-0">你好,我是小张,52岁,从事的是夕阳行业。想退休,没有接班人,请工人更是难上加难,我住在小城里,每开销大概4千左右。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5dbmk-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5dbmk-0-0"><span data-offset-key="5dbmk-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="77ukb-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="77ukb-0-0"><span data-offset-key="77ukb-0-0">以下是我财务状况:</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bmsb5-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bmsb5-0-0"><span data-offset-key="bmsb5-0-0"> 每月收入4k至数K左右(不稳定) </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a7l4s-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a7l4s-0-0"><span data-offset-key="a7l4s-0-0"> 产业=屋自住550k供完, </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2cfpv-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2cfpv-0-0"><span data-offset-key="2cfpv-0-0"> 轻工业厂1自用450k供完,退休后可卖或出租,租金约1200。 </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1gen1-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1gen1-0-0"><span data-offset-key="1gen1-0-0"> 轻工业厂2市值800k,如今出租2200,难加租(欠银行270k,也就是每月2600,11年供期),退休后可卖或出租。现金150k,EPF150K,asnb50k,信托50k。妻子是家庭主妇,孩子2人成年如今工作,每月每人有给一百生活费(我们不多要,生活不易)。 </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="539rl-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="539rl-0-0"><span data-offset-key="539rl-0-0"> 每月开销=年老母亲1k,所有保费1k,水电车油杂费700,伙食1200++,车龄4年己供完. </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="amtgk-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="amtgk-0-0"><span data-offset-key="amtgk-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ckm66-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ckm66-0-0"><span data-offset-key="ckm66-0-0"> 每年想旅行一次,2人10k预算。若可,想保存产业, 请问我的财务壮况什么时候括合退休?谢谢了。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7i7m4-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7i7m4-0-0"><span data-offset-key="7i7m4-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="cj924-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cj924-0-0"><span data-offset-key="cj924-0-0">小张,你好。谢谢你的询问。我先借你的个案来分享几个核心价值观</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1oje3-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1oje3-0-0"><span data-offset-key="1oje3-0-0">第一, 关于你的孩子给一百块的生活费是对了一半,因为很多有能力或不想负担孩子的父母都不想拿孩子的钱,这是不对的, 因为孩子不只不孝顺,也没有学会感恩。不会感恩的小孩,他的事业和人生的成就绝对有限。每个孩子都有责任和义务给父母零用钱,是必要的开销,作为感恩父母的付出,和父母需不需要是没有关系的。至于给多少。就根据孩子的能力和心意,(建议收入的5-10%),我们无需去限制孩子的付出,很多时候往往付出得多,得到更多,作父母要成就孩子的孝心,父母也绝对受得起孩子的孝顺,给予和照顾,这样孩子才有福。如果作为父母,无需用到这一笔钱,不访把部分的钱,用孩子的名誉去捐赠慈善,帮孩子培福,同时也回馈社会,一箭双雕。现在的社会,如果你观察入微,其实非常成功而且由可以保持长久的如郭鹤年,都不完全是因为能力,而是正确的价值观。能力强,但是错误的价值观而潦倒一生的大有人在。在这,我想抛砖引玉,分享自己的方式,我每个月会给我妈妈零用钱(父亲不在了),每年的新年,生日和母亲节给我妈妈大红包,我也承担家里大部分的拜祭费用,妈妈的一些医疗费费和所有保险费。我也常常带妈妈出去吃早餐,和孩子一起出去走走,和每个星期带孩子回家,吃妈妈煮的菜,让老人家有陪伴。这些都是我自己自愿承担,也没有要求其它兄弟姐妹一同分担。我妈妈常常会告诉我,说钱够了,太多钱了,所以,她也会常常买和保留很多东西给我,我妈妈穷和幸苦了一生,现在,我就是要让她觉得钱太多了,用不完。你和父母的关系,其实就是你和金钱的关系,处理好很重要。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="c68q6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="c68q6-0-0"><span data-offset-key="c68q6-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="fo1oe-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fo1oe-0-0"><span data-offset-key="fo1oe-0-0">第二, 关于生活不易,生活是否容易,其实是因人而异(我在一个万人学习网上课程上得知,大概有55%巴仙的参与者,坦诚在疫情中赚更多钱),但是个人正确和正面思维很重要,不妨去下手学习潜意识和富人思维,从新设定自己的思维,虽然已经50多年来,不容易一下子改变,但是还是很重要。你的“生活不易”思维,其实也潜移默化的传承给你的孩子,让他们现实生活中反应出来,你所说的“不容易”,何苦为难和局限自己呢。我这里并不是盲目的去自我感觉良好,而是更积极和乐观去面对生活,除了10-15%的精神用在为最坏做准备外,另外的85%的时间应该用在期待和布局最好和你所要的人事物上。我们都是被过去父母,长辈,社会,老师和成长环境给予设定了局限性想法和看法,这些都该放弃,或可以通过学习重新设定。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1cjo8-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1cjo8-0-0"><span data-offset-key="1cjo8-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="d1074-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d1074-0-0"><span data-offset-key="d1074-0-0">从你的来信,没有打算保留夕阳行业的意愿,是对的,但是,如果有意愿和时间去尝试突破或引进新的人才或搬上网络,来重新设定商业模式,也许夕阳行业也可以脱胎换骨变成火红行业。比如旧有的手表,我们不在需要戴手表,因为有手机或以另一种健康穿戴仪表方式出现,但是名牌表例外, 因为是名贵身份的象征,同时也是有价值的收藏品。报纸业也正走向没落,但是搬上网,或以App的方式呈现,或许可以走出一条康庄大道。巴菲特几年前,也投资不少在当地性的报纸和杂志,因为人们对当地报纸的情节和历史文化背景,有一定的怀旧和念慕。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7u11o-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7u11o-0-0"><span data-offset-key="7u11o-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="cb1m6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cb1m6-0-0"><span data-offset-key="cb1m6-0-0">你只是想要保留产业和知道几时退休。其实,我想了大约两个星期,才慎重的开始下笔,为了给你最好的建议。你的大约收入为4千左右,孩子给大概2百块,每个月开销大约4千300 (加上轻工业厂2的贷款扣除每月租金尚欠400百)。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="b8mqg-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="b8mqg-0-0"><span data-offset-key="b8mqg-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="247uu-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="247uu-0-0"><span data-offset-key="247uu-0-0">我从一个简单和大原则来计算(把通膨放一边,方便了解),你的大概每个月开销为4千300 (不懂轻工业厂2的贷款几时供完) 加上保留旅行预算的1万, 大概理想的退休生活费大概 5千134, 只要你有保守投资(保值)工具,每个月可以固定给你5千至6千左右, 你就可以安心退休或财务自由了。如果,我计算用定期存款作为你的保守投资(保值)工具,以目前大概3%年回酬率,你只是需要2百万母金,就可以每年享有大约6万 (每个月大约5千), 还无需消耗母金。如果其它的投资工具就如下表的计算,需要的母金就更少了</span></div></div></div>
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrfe2fz0DH3Zb52f9dbQKMyzrPQVmdZc26swkoYmisgRfIsws0A1F5q4VVU9x4kkmGJJP9ErjRKDih2xqqrihQQWrJR8GaKl7l0bzdDUa1MBlU12cEpsK99FUalD1gfH_Edq115q_zMpdueHycjhdQjC1vpKRMuSxuHIs2Cm5NVmxIfOM_yg/s852/Screenshot%202022-10-22%20064005.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="264" data-original-width="852" height="124" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgrfe2fz0DH3Zb52f9dbQKMyzrPQVmdZc26swkoYmisgRfIsws0A1F5q4VVU9x4kkmGJJP9ErjRKDih2xqqrihQQWrJR8GaKl7l0bzdDUa1MBlU12cEpsK99FUalD1gfH_Edq115q_zMpdueHycjhdQjC1vpKRMuSxuHIs2Cm5NVmxIfOM_yg/w400-h124/Screenshot%202022-10-22%20064005.png" width="400" /></a></div><br />
</div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="83pmp-0-0"><div data-draftjs-conductor-fragment="{"blocks":[{"key":"cj9ti","text":"保守投资工具除了产托(REITS), 国民投资基金(ASNB),公积金( EPF)外,还可以考虑政府的债券-Sukuk或Merdeka Bond, 高股息的抗跌性股票,保守基金(Unit Trust)等等。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"duv92","text":"如果你供完轻工业厂2的贷款,你的两间轻工业厂都可以每个月给你大约3千600。到时你只需要附加的每个月1千400就行了, 大概母金3百千在6%的保守投资下,就足够了。你的现金, ASBN和信托投资加起来都有25万。如果你没有去限制孩子给多少零用钱,基本是你自己需要自己去张罗的就更少了, 当然不把孩子给的零用钱放入自己的退休考量是自我负责的好表现,就把孩子的零用钱作为附加,紧急和抗通膨工具即可。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"edihb","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2ki4","text":"很多人会考虑退休时把现有大屋子卖了,住进比较小,空气好,舒适和四通八达的公寓里,所有的日常物品,食物等等都在理想步行的范围内,同时又有运动,休闲器材和保安保护。到时,你的开销就更底了。除了谈论金钱上的准备外,就如图表下,也别忘了拥有医药住院卡保障和为自己的长期看护作准备。根据数据,多数大马人在67岁后都需要某程度上的看护或照顾。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.1.7"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="asp2i-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="asp2i-0-0"><span data-offset-key="asp2i-0-0">保守投资工具除了产托(REITS), 国民投资基金(ASNB),公积金( EPF)外,还可以考虑政府的债券-Sukuk或Merdeka Bond, 高股息的抗跌性股票,保守基金(Unit Trust)等等。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dfhat-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dfhat-0-0"><span data-offset-key="dfhat-0-0">如果你供完轻工业厂2的贷款,你的两间轻工业厂都可以每个月给你大约3千600。到时你只需要附加的每个月1千400就行了, 大概母金3百千在6%的保守投资下,就足够了。你的现金, ASBN和信托投资加起来都有25万。如果你没有去限制孩子给多少零用钱,基本是你自己需要自己去张罗的就更少了, 当然不把孩子给的零用钱放入自己的退休考量是自我负责的好表现,就把孩子的零用钱作为附加,紧急和抗通膨工具即可。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="64d5m-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="64d5m-0-0"><span data-offset-key="64d5m-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="358q6-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0">很多人会考虑退休时把现有大屋子卖了,住进比较小,空气好,舒适和四通八达的公寓里,所有的日常物品,食物等等都在理想步行的范围内,同时又有运动,休闲器材和保安保护。到时,你的开销就更底了。除了谈论金钱上的准备外,就如图表下,也别忘了拥有医药住院卡保障和为自己的长期看护作准备。根据数据,多数大马人在67岁后都需要某程度上的看护或照顾。</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtOivc8kbIrOeu8DBFmNdDfRuNn0zPVSTGmaARlnGx6BqePut-nQcTPHgC79TN2BgtFEr2_WtdDP1QUtHo1Leq3fPIfsQ7EsObPApAXHlh86fIQ9ZoOEJA3fHRqS6Wg_6YN0EjkAIgpOpjQ_Tv1WR6aLnn2q5DON6A4AWkURFRGTbZb43TeQ/s916/Screenshot%202022-10-22%20064021.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="553" data-original-width="916" height="386" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgtOivc8kbIrOeu8DBFmNdDfRuNn0zPVSTGmaARlnGx6BqePut-nQcTPHgC79TN2BgtFEr2_WtdDP1QUtHo1Leq3fPIfsQ7EsObPApAXHlh86fIQ9ZoOEJA3fHRqS6Wg_6YN0EjkAIgpOpjQ_Tv1WR6aLnn2q5DON6A4AWkURFRGTbZb43TeQ/w640-h386/Screenshot%202022-10-22%20064021.png" width="640" /></a></div><br /><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><span data-offset-key="358q6-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="358q6-0-0"><div data-draftjs-conductor-fragment="{"blocks":[{"key":"8qmrq","text":"以上回答,基本上可以给你和读者一个很好和简单的概念,无需理财工具,也可以大概了解如何财务自由,其实不一定很复杂的,只要有被动,保守和固定的收入足以支付你的日常开销就行了,就是财务自由了。当然,如果可以通过准备一份自己的财务规划报告,准确度就更高,同时还可以每年做检查和检讨。祝福你。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ako46","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"47lec","text":"https://www.sinchew.com.my/20221017/%e6%8a%95%e8%b5%84%e5%9b%9e%e6%8a%a5%e8%b6%b3%e5%a4%9f%e5%ba%94%e4%bb%98%e7%94%9f%e6%b4%bb%e8%b4%b9-%e8%b4%a2%e5%8a%a1%e8%87%aa%e7%94%b1%e5%8f%af%e4%bb%a5%e5%ae%89%e5%bf%83%e9%80%80%e4%bc%91/","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"71dbp","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{"dynamicStyles":{}}},{"key":"2h5bi","text":"#财富问诊 #星洲日报 #活用理财 #财经 #理财 #杨子佑硕士 #财福人生 #财商思维 #活用理财 #财务规划 #职业 #出国 #退休 #与钱同行 #零用钱 #父母 #巴菲特 #财务自主","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":0,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":6,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":12,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":18,"length":3,"style":"{\"FG\":\"#0000ff\"}"},{"offset":22,"length":3,"style":"{\"FG\":\"#0000ff\"}"},{"offset":26,"length":6,"style":"{\"FG\":\"#0000ff\"}"},{"offset":33,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":39,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":45,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":51,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":57,"length":3,"style":"{\"FG\":\"#0000ff\"}"},{"offset":61,"length":3,"style":"{\"FG\":\"#0000ff\"}"},{"offset":65,"length":3,"style":"{\"FG\":\"#0000ff\"}"},{"offset":69,"length":5,"style":"{\"FG\":\"#0000ff\"}"},{"offset":75,"length":4,"style":"{\"FG\":\"#0000ff\"}"},{"offset":80,"length":3,"style":"{\"FG\":\"#0000ff\"}"},{"offset":84,"length":4,"style":"{\"FG\":\"#0000ff\"}"},{"offset":89,"length":5,"style":"{\"FG\":\"#0000ff\"}"}],"entityRanges":[{"offset":0,"length":5,"key":0},{"offset":6,"length":5,"key":1},{"offset":12,"length":5,"key":2},{"offset":18,"length":3,"key":3},{"offset":22,"length":3,"key":4},{"offset":26,"length":6,"key":5},{"offset":33,"length":5,"key":6},{"offset":39,"length":5,"key":7},{"offset":45,"length":5,"key":8},{"offset":51,"length":5,"key":9},{"offset":57,"length":3,"key":10},{"offset":61,"length":3,"key":11},{"offset":65,"length":3,"key":12},{"offset":69,"length":5,"key":13},{"offset":75,"length":4,"key":14},{"offset":80,"length":3,"key":15},{"offset":84,"length":4,"key":16},{"offset":89,"length":5,"key":17}],"data":{"dynamicStyles":{}}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"1":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"2":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"3":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"4":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"5":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"6":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"7":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"8":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"9":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"10":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"11":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E5%87%BA%E5%9B%BD?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"12":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"13":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"14":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E9%9B%B6%E7%94%A8%E9%92%B1?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"15":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E7%88%B6%E6%AF%8D?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"16":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E5%B7%B4%E8%8F%B2%E7%89%B9?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}},"17":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R"}}},"VERSION":"9.1.7"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3asn-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3asn-0-0"><span data-offset-key="3asn-0-0">以上回答,基本上可以给你和读者一个很好和简单的概念,无需理财工具,也可以大概了解如何财务自由,其实不一定很复杂的,只要有被动,保守和固定的收入足以支付你的日常开销就行了,就是财务自由了。当然,如果可以通过准备一份自己的财务规划报告,准确度就更高,同时还可以每年做检查和检讨。祝福你。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="efbm5-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="efbm5-0-0"><span data-offset-key="efbm5-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1unti-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1unti-0-0"><span data-offset-key="1unti-0-0">https://www.sinchew.com.my/20221017/%e6%8a%95%e8%b5%84%e5%9b%9e%e6%8a%a5%e8%b6%b3%e5%a4%9f%e5%ba%94%e4%bb%98%e7%94%9f%e6%b4%bb%e8%b4%b9-%e8%b4%a2%e5%8a%a1%e8%87%aa%e7%94%b1%e5%8f%af%e4%bb%a5%e5%ae%89%e5%bf%83%e9%80%80%e4%bc%91/</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="b46rk-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="b46rk-0-0"><span data-offset-key="b46rk-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ctrq8-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ctrq8-0-0"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-0-0" style="color: blue;">#财富问诊</span></a><span data-offset-key="ctrq8-1-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-2-0" style="color: blue;">#星洲日报</span></a><span data-offset-key="ctrq8-3-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-4-0" style="color: blue;">#活用理财</span></a><span data-offset-key="ctrq8-5-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-6-0" style="color: blue;">#财经</span></a><span data-offset-key="ctrq8-7-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-8-0" style="color: blue;">#理财</span></a><span data-offset-key="ctrq8-9-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-10-0" style="color: blue;">#杨子佑硕士</span></a><span data-offset-key="ctrq8-11-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-12-0" style="color: blue;">#财福人生</span></a><span data-offset-key="ctrq8-13-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%95%86%E6%80%9D%E7%BB%B4?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-14-0" style="color: blue;">#财商思维</span></a><span data-offset-key="ctrq8-15-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-16-0" style="color: blue;">#活用理财</span></a><span data-offset-key="ctrq8-17-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%A7%84%E5%88%92?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-18-0" style="color: blue;">#财务规划</span></a><span data-offset-key="ctrq8-19-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%81%8C%E4%B8%9A?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-20-0" style="color: blue;">#职业</span></a><span data-offset-key="ctrq8-21-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%87%BA%E5%9B%BD?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-22-0" style="color: blue;">#出国</span></a><span data-offset-key="ctrq8-23-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E9%80%80%E4%BC%91?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-24-0" style="color: blue;">#退休</span></a><span data-offset-key="ctrq8-25-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E4%B8%8E%E9%92%B1%E5%90%8C%E8%A1%8C?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-26-0" style="color: blue;">#与钱同行</span></a><span data-offset-key="ctrq8-27-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E9%9B%B6%E7%94%A8%E9%92%B1?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-28-0" style="color: blue;">#零用钱</span></a><span data-offset-key="ctrq8-29-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%88%B6%E6%AF%8D?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-30-0" style="color: blue;">#父母</span></a><span data-offset-key="ctrq8-31-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E5%B7%B4%E8%8F%B2%E7%89%B9?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-32-0" style="color: blue;">#巴菲特</span></a><span data-offset-key="ctrq8-33-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%8A%A1%E8%87%AA%E4%B8%BB?__eep__=6&__cft__%5b0%5d=AZWF3ifDPbyGSwOtshYTAGqK-Yedq3nG2JMyHzMOj_h-2bO7tyynsAagbb3_m2t33BmbGHm3J94MTT5u-PICUjrqA6W1lQABAwFUhHOSa7a5ELPxKIOIh-8JQ-kPTYyFnEUgXzvhy5pfzHYTC6n_F28albHtIqVZRE2PNnZsI2WKIebIwwRw0tZpmaW1o_ZwWtyXPvp4w870lvGS9vUJesPP&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="ctrq8-34-0" style="color: blue;">#财务自主</span></a></div></div></div></div></div></div></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="e6unc-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="e6unc-0-0"><span data-offset-key="e6unc-0-0"></span></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-37997374292533605662022-10-01T14:29:00.002+08:002022-10-01T14:31:33.942+08:00中国报:理财赢家-刷爆卡不还 代价有多大?<p><span style="white-space: pre-wrap;">独家报导:伍雯缨</span></p><div data-draftjs-conductor-fragment="{"blocks":[{"key":"9d4f6","text":"独家报导:伍雯缨","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fkb38","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7rbcs","text":"在人手一卡的时代,信用卡无疑是最方便的非现金支付工具,但积欠卡债不","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fa0ic","text":"还,后果远比想像中来得严重,不仅会加重个人的还债压力,甚至还会影响个","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"k5j9","text":"人租房、买车置产的成功率!","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1l6ob","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"22lg4","text":"大马报穷局最新数据显示,我国今年截至7月的破产人数达到3604人,平均每","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3ekls","text":"天有17人破产,除了私人、汽车和商业贷款,未偿还信用卡债务便是其中一个","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"99hjp","text":"原因。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2br63","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a6qg2","text":"信用卡的便利,往往会成为持卡人透支而不自知的原因,一旦刷卡超出自己能","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5u1d5","text":"负担的范围,而且无法准时全额缴清上一期的卡债,就会有循环利息产生。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2ih07","text":"大马财务规划委员会(MFPC)署理总会长庄国辉博士指出,国内银行的信用","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1k1pc","text":"卡年利率介于15%至18%,但实际计算的利率是比较高的,因为信用卡账户利","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"deei9","text":"率并不是每年计算,而是每天计算。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9227a","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7eaqs","text":"“信用卡是每月结账的,也就是说每个月的欠款,在下个月会成为基本数,让","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"96ive","text":"利息继续滚下去,这就是‘复利’的可怕。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4eijd","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1j3gd","text":"最严重或陷破产","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"88tp9","text":"他以1万令吉信用欠款、年利率15%举例,每月利息为150令吉,一年放着不","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"106rh","text":"管就会滚成1800令吉,而且还未包括银行征收的逾期支付费用;若每月只偿","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ao596","text":"还5%最低还款金额,则需88个月才能还清。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1oi8j","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5c697","text":"各家银行收取的逾期支付费用各有不同,通常是10令吉或总欠款的1%,或以","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"bcbi9","text":"较高者为准。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7t185","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"94at8","text":"庄国辉告诉《中国报》,拖欠卡债的后果远比想像中严重,银行首先会打电话","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6h9mb","text":"催促欠债人还债,在迟迟未有偿债的情况下,银行便会发出律师信。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6hd7f","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9qj4n","text":"“当卡债在复利累积下越堆越高,总额达到10万令吉破产门槛后,高庭便会宣","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3e5p3","text":"判破产,名下的资产(包括汽车、房子等)将被报穷局接管,作为偿还债务的","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9be7g","text":"资产。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"af0ge","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"e5pbb","text":"另一方面,财福人生教育培训学院创始人兼首席讲师杨子佑也提醒民众,近年","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"43t12","text":"来银行发出的信用卡账单出现了细节变动,每月实际拖欠款项是“应缴账单金","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"746vp","text":"额”(Statement Balance),而不是最低还款限额。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dtb59","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"agsus","text":"“很多持卡人会忽略这个细节,经常只是还了最低限额而不自知;要知道,还","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"egth1","text":"了最低限额,剩余的欠款依然会被征收利息。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8n8hf","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"etl9v","text":"培养定期还债习惯","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4t4dk","text":"若有卡债纪录,民众应避免自己再陷入相同的窘境,除了可与银行整合债务、","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"clgn4","text":"求助信贷谘询与债务管理机构(AKPK),也必须积极改变个人的消费习惯,","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"46f21","text":"比如每月按时还清欠款、保持低额欠款等。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9j4d8","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a5vss","text":"埃里克指出,保持较低的债务余额,以及培养定期偿债的习惯很重要,而且在","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"79q0o","text":"申请贷款时不要超过个人需求,因为每笔贷款所偿还的利息,最终还是会回到","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"311or","text":"办更多新信用卡或银行账户。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cr84t","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"b2uds","text":"另外,民众也应定时检测个人的信用报告,提早发现问题,并作出相应的解决","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"61bj2","text":"方案和规划","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2a58n","text":"。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2rkv8","text":"信用破产影响大","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"32sac","text":"值得注意的是,信用卡债务实际上影响着个人的信用评级,而信用评级的优","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"j6rk","text":"劣,也关系着未来置产、申请贷款,甚至是租房,以及与银行协商利率的成功","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5m0b8","text":"率。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dco68","text":"CTOS(CTOS,5301,主要板科技)总执行长埃里克汉堡接受《中国报》电邮","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"39i9h","text":"访问时指出,卡债在信用分数(Credit Score)的占比达20%,所以把信用卡","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f7sba","text":"刷爆绝对会影响个人的信用表现。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ds9hq","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"34o2i","text":"“信用分数是贷款人和债权人衡量个人信用风险的标准,‘良好至优秀’的CTOS","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"97gca","text":"信用分数是697至850分之间,虽然不是强制规定,但国内银行通常只接受650","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8jlbk","text":"分以上的申请人。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3q7ek","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"a8l26","text":"根据CTOS,信用分数通常以300分起步,650分以下被视为信用评级不佳,可","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1t63l","text":"能会无法顺利申请贷款。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"f0514","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"4p1jr","text":"同时,在刷完信用卡上的全部额度后,个人的信用分数便可能会下降,从而必","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5qhr","text":"须为其他信用卡和贷款支付更高的利息。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1l7q4","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2u4lo","text":"他强调,良好的信用分数,不仅可提高获得贷款的几率,还能获得更好的利率","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"eb1qr","text":"和更快的贷款审批、更容易租房,或者在无需押金下购买智能手机。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9fghk","text":"信用卡是双刃剑","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5rgmo","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cd82i","text":"杨子佑认为,信用卡实际上是一把双面刃,按理财角度来看,使用得当可以作","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5r0j9","text":"为资金周转用途,还能享有20天免利息资金。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"83d0a","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fgcnu","text":"分期付款,也能让用户拥有额外的现金流,可用于","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2585o","text":"投资或是其他用途。” 同时,民众可利用每张信用卡不同的回馈机制,帮自己赚进现金、红利、里程","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8vkog","text":"等回馈,在日积月累下也会变成一笔可观的数额。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"ar9lm","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"auhs","text":"此外,在发生突发事件而需要大笔资金时,信用卡内的信用余额(Credit","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"da28i","text":"Balance)便会成为紧急资金,暂时缓冲现金流紧张的问题。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1s16d","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"5r72t","text":"在资金周转得当的情况下,他建议民众应每月定时还清卡债,因为市面上找不","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"q74c","text":"到年利率15%至18%的投资,欠款相比而言不划算。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"1pdce","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8mc4","text":"卡债拖久了不会消失","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"61qvu","text":"积欠卡债不缴,债务并不会随着时间消失,庄国辉强调,银行所有交易都会经","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fo717","text":"过系统监控,所以坊间谣传卡债拖久了就会消失是一个错误的讯息。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"52jv5","text":"“80至90年代本地银行吹起合并风,当时确实有发生过丧失客户文件的问题,","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"d69lg","text":"部分人的卡债因而被豁免;但如今银行系统越来越先进,不再会有这种问","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3vd8d","text":"题。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"mgb7","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3j4aq","text":"埃里克补充,个人的付款纪录,包括是否按时付款、逾期付款或未偿还欠款,","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cbc15","text":"也是信用分数中重要的一环,占整体比例的45%。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"326ur","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"796tf","text":"其他影响信用分数的因素包括欠款金额(占20%)、信用历史纪录时间(占","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c8rg3","text":"7%)、信用组合(占14%)和新的信用,即查询信用报告的次数多寡(占","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"9n1qo","text":"14%)。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"dgh47","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"7ahei","text":"“贷款逾期只会停留在信用报告一段时间,即过去24个月,所以当逾期还贷纪","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"32hip","text":"录消除后,个人便可重新建立信用。”","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"6im62","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"c4ji3","text":"不过,他仍建议民众,在刷卡前三思,需留意信用卡的利用率,并按时缴清卡","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"evodm","text":"债,才能改善个人的信用分数。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"cl1an","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"3fmlu","text":"中国报","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"2f6pb","text":"https://www.chinapress.com.my/?p=3130243","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}}],"entityMap":{},"VERSION":"9.1.3"}"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="flilf-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="flilf-0-0"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCQaa9QmtQrVmB8voFjnKSPiS7L6ptfkw5bbEDKsdcKTgQLDb3OnwAnXakwOt3xXrHLkf7wIAmdG-WjzFhlDaphBguaQV5ddwJ3uNVhGOVqQcBi5n_eUI_yE_bLAQQEExiTb8vcVnlNSDCcUNNxqXMZQBHQVV_OHBNI0ea2gU5D7aqZKE9ow/s718/Screenshot%202022-10-01%20143024.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="445" data-original-width="718" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCQaa9QmtQrVmB8voFjnKSPiS7L6ptfkw5bbEDKsdcKTgQLDb3OnwAnXakwOt3xXrHLkf7wIAmdG-WjzFhlDaphBguaQV5ddwJ3uNVhGOVqQcBi5n_eUI_yE_bLAQQEExiTb8vcVnlNSDCcUNNxqXMZQBHQVV_OHBNI0ea2gU5D7aqZKE9ow/s16000/Screenshot%202022-10-01%20143024.png" /></a></div><br /><span data-offset-key="flilf-0-0"><br data-text="true" /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="flilf-0-0"><span data-offset-key="flilf-0-0"><br /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6ter0-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6ter0-0-0"><span data-offset-key="6ter0-0-0">在人手一卡的时代,信用卡无疑是最方便的非现金支付工具,但积欠卡债不</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4emr1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4emr1-0-0"><span data-offset-key="4emr1-0-0">还,后果远比想像中来得严重,不仅会加重个人的还债压力,甚至还会影响个</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3cnrq-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3cnrq-0-0"><span data-offset-key="3cnrq-0-0">人租房、买车置产的成功率!</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="jdlk-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="jdlk-0-0"><span data-offset-key="jdlk-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ctnej-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ctnej-0-0"><span data-offset-key="ctnej-0-0">大马报穷局最新数据显示,我国今年截至7月的破产人数达到3604人,平均每</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="f9bqe-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="f9bqe-0-0"><span data-offset-key="f9bqe-0-0">天有17人破产,除了私人、汽车和商业贷款,未偿还信用卡债务便是其中一个</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="e2im1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="e2im1-0-0"><span data-offset-key="e2im1-0-0">原因。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="p5ig-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="p5ig-0-0"><span data-offset-key="p5ig-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6q293-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6q293-0-0"><span data-offset-key="6q293-0-0">信用卡的便利,往往会成为持卡人透支而不自知的原因,一旦刷卡超出自己能</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="feksf-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="feksf-0-0"><span data-offset-key="feksf-0-0">负担的范围,而且无法准时全额缴清上一期的卡债,就会有循环利息产生。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3aasn-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3aasn-0-0"><span data-offset-key="3aasn-0-0">大马财务规划委员会(MFPC)署理总会长庄国辉博士指出,国内银行的信用</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="65t1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="65t1-0-0"><span data-offset-key="65t1-0-0">卡年利率介于15%至18%,但实际计算的利率是比较高的,因为信用卡账户利</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="c7vq7-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="c7vq7-0-0"><span data-offset-key="c7vq7-0-0">率并不是每年计算,而是每天计算。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="61iqn-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="61iqn-0-0"><span data-offset-key="61iqn-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dnmgq-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dnmgq-0-0"><span data-offset-key="dnmgq-0-0">“信用卡是每月结账的,也就是说每个月的欠款,在下个月会成为基本数,让</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bb6iq-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bb6iq-0-0"><span data-offset-key="bb6iq-0-0">利息继续滚下去,这就是‘复利’的可怕。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ehj2l-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ehj2l-0-0"><span data-offset-key="ehj2l-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9f3t3-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9f3t3-0-0"><span data-offset-key="9f3t3-0-0">最严重或陷破产</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="23gkq-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="23gkq-0-0"><span data-offset-key="23gkq-0-0">他以1万令吉信用欠款、年利率15%举例,每月利息为150令吉,一年放着不</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="kff1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="kff1-0-0"><span data-offset-key="kff1-0-0">管就会滚成1800令吉,而且还未包括银行征收的逾期支付费用;若每月只偿</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="59uuc-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="59uuc-0-0"><span data-offset-key="59uuc-0-0">还5%最低还款金额,则需88个月才能还清。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2v5d6-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2v5d6-0-0"><span data-offset-key="2v5d6-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a6cud-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a6cud-0-0"><span data-offset-key="a6cud-0-0">各家银行收取的逾期支付费用各有不同,通常是10令吉或总欠款的1%,或以</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="flm30-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="flm30-0-0"><span data-offset-key="flm30-0-0">较高者为准。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="90ovv-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="90ovv-0-0"><span data-offset-key="90ovv-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="44lup-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="44lup-0-0"><span data-offset-key="44lup-0-0">庄国辉告诉《中国报》,拖欠卡债的后果远比想像中严重,银行首先会打电话</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ab10-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ab10-0-0"><span data-offset-key="ab10-0-0">催促欠债人还债,在迟迟未有偿债的情况下,银行便会发出律师信。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="llrk-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="llrk-0-0"><span data-offset-key="llrk-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="32jeq-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="32jeq-0-0"><span data-offset-key="32jeq-0-0">“当卡债在复利累积下越堆越高,总额达到10万令吉破产门槛后,高庭便会宣</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6g0l6-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6g0l6-0-0"><span data-offset-key="6g0l6-0-0">判破产,名下的资产(包括汽车、房子等)将被报穷局接管,作为偿还债务的</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bggm1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bggm1-0-0"><span data-offset-key="bggm1-0-0">资产。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="p3g9-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="p3g9-0-0"><span data-offset-key="p3g9-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4cc43-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4cc43-0-0"><span data-offset-key="4cc43-0-0">另一方面,财福人生教育培训学院创始人兼首席讲师杨子佑也提醒民众,近年</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3t57c-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3t57c-0-0"><span data-offset-key="3t57c-0-0">来银行发出的信用卡账单出现了细节变动,每月实际拖欠款项是“应缴账单金</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1li48-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1li48-0-0"><span data-offset-key="1li48-0-0">额”(Statement Balance),而不是最低还款限额。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1r65u-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1r65u-0-0"><span data-offset-key="1r65u-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9gl3n-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9gl3n-0-0"><span data-offset-key="9gl3n-0-0">“很多持卡人会忽略这个细节,经常只是还了最低限额而不自知;要知道,还</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a4afc-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a4afc-0-0"><span data-offset-key="a4afc-0-0">了最低限额,剩余的欠款依然会被征收利息。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="cseq7-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cseq7-0-0"><span data-offset-key="cseq7-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4kfbk-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4kfbk-0-0"><span data-offset-key="4kfbk-0-0">培养定期还债习惯</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9j94q-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9j94q-0-0"><span data-offset-key="9j94q-0-0">若有卡债纪录,民众应避免自己再陷入相同的窘境,除了可与银行整合债务、</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2e53h-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2e53h-0-0"><span data-offset-key="2e53h-0-0">求助信贷谘询与债务管理机构(AKPK),也必须积极改变个人的消费习惯,</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="69a67-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="69a67-0-0"><span data-offset-key="69a67-0-0">比如每月按时还清欠款、保持低额欠款等。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1qabc-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1qabc-0-0"><span data-offset-key="1qabc-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8s0s1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8s0s1-0-0"><span data-offset-key="8s0s1-0-0">埃里克指出,保持较低的债务余额,以及培养定期偿债的习惯很重要,而且在</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="e6sk0-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="e6sk0-0-0"><span data-offset-key="e6sk0-0-0">申请贷款时不要超过个人需求,因为每笔贷款所偿还的利息,最终还是会回到</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4g2hm-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4g2hm-0-0"><span data-offset-key="4g2hm-0-0">办更多新信用卡或银行账户。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2ngc1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2ngc1-0-0"><span data-offset-key="2ngc1-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5em5s-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5em5s-0-0"><span data-offset-key="5em5s-0-0">另外,民众也应定时检测个人的信用报告,提早发现问题,并作出相应的解决</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6d080-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6d080-0-0"><span data-offset-key="6d080-0-0">方案和规划</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8st8n-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8st8n-0-0"><span data-offset-key="8st8n-0-0">。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2fkdl-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2fkdl-0-0"><span data-offset-key="2fkdl-0-0">信用破产影响大</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="16o3b-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="16o3b-0-0"><span data-offset-key="16o3b-0-0">值得注意的是,信用卡债务实际上影响着个人的信用评级,而信用评级的优</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="cdglf-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="cdglf-0-0"><span data-offset-key="cdglf-0-0">劣,也关系着未来置产、申请贷款,甚至是租房,以及与银行协商利率的成功</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2o8ih-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2o8ih-0-0"><span data-offset-key="2o8ih-0-0">率。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="bs3oe-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="bs3oe-0-0"><span data-offset-key="bs3oe-0-0">CTOS(CTOS,5301,主要板科技)总执行长埃里克汉堡接受《中国报》电邮</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="10pal-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="10pal-0-0"><span data-offset-key="10pal-0-0">访问时指出,卡债在信用分数(Credit Score)的占比达20%,所以把信用卡</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6m027-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6m027-0-0"><span data-offset-key="6m027-0-0">刷爆绝对会影响个人的信用表现。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6kkl6-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6kkl6-0-0"><span data-offset-key="6kkl6-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8okth-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8okth-0-0"><span data-offset-key="8okth-0-0">“信用分数是贷款人和债权人衡量个人信用风险的标准,‘良好至优秀’的CTOS</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3fid-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3fid-0-0"><span data-offset-key="3fid-0-0">信用分数是697至850分之间,虽然不是强制规定,但国内银行通常只接受650</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="d7hq2-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d7hq2-0-0"><span data-offset-key="d7hq2-0-0">分以上的申请人。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="pdg1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="pdg1-0-0"><span data-offset-key="pdg1-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7memt-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7memt-0-0"><span data-offset-key="7memt-0-0">根据CTOS,信用分数通常以300分起步,650分以下被视为信用评级不佳,可</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9ilj1-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9ilj1-0-0"><span data-offset-key="9ilj1-0-0">能会无法顺利申请贷款。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1sumn-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1sumn-0-0"><span data-offset-key="1sumn-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="en90u-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="en90u-0-0"><span data-offset-key="en90u-0-0">同时,在刷完信用卡上的全部额度后,个人的信用分数便可能会下降,从而必</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="fn0js-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="fn0js-0-0"><span data-offset-key="fn0js-0-0">须为其他信用卡和贷款支付更高的利息。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ehirr-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ehirr-0-0"><span data-offset-key="ehirr-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9ffb3-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9ffb3-0-0"><span data-offset-key="9ffb3-0-0">他强调,良好的信用分数,不仅可提高获得贷款的几率,还能获得更好的利率</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="190be-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="190be-0-0"><span data-offset-key="190be-0-0">和更快的贷款审批、更容易租房,或者在无需押金下购买智能手机。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8iisk-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8iisk-0-0"><span data-offset-key="8iisk-0-0">信用卡是双刃剑</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="avnsm-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="avnsm-0-0"><span data-offset-key="avnsm-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="ffvmt-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="ffvmt-0-0"><span data-offset-key="ffvmt-0-0">杨子佑认为,信用卡实际上是一把双面刃,按理财角度来看,使用得当可以作</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6gg38-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6gg38-0-0"><span data-offset-key="6gg38-0-0">为资金周转用途,还能享有20天免利息资金。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6i4pl-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6i4pl-0-0"><span data-offset-key="6i4pl-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3sr9k-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3sr9k-0-0"><span data-offset-key="3sr9k-0-0">分期付款,也能让用户拥有额外的现金流,可用于</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="22u32-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="22u32-0-0"><span data-offset-key="22u32-0-0">投资或是其他用途。” 同时,民众可利用每张信用卡不同的回馈机制,帮自己赚进现金、红利、里程</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6s6vg-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6s6vg-0-0"><span data-offset-key="6s6vg-0-0">等回馈,在日积月累下也会变成一笔可观的数额。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="88h03-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="88h03-0-0"><span data-offset-key="88h03-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5sdc7-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5sdc7-0-0"><span data-offset-key="5sdc7-0-0">此外,在发生突发事件而需要大笔资金时,信用卡内的信用余额(Credit</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="eguiq-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="eguiq-0-0"><span data-offset-key="eguiq-0-0">Balance)便会成为紧急资金,暂时缓冲现金流紧张的问题。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6h3hr-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6h3hr-0-0"><span data-offset-key="6h3hr-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="dv8i6-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="dv8i6-0-0"><span data-offset-key="dv8i6-0-0">在资金周转得当的情况下,他建议民众应每月定时还清卡债,因为市面上找不</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="85qas-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="85qas-0-0"><span data-offset-key="85qas-0-0">到年利率15%至18%的投资,欠款相比而言不划算。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="584km-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="584km-0-0"><span data-offset-key="584km-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4eo1f-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4eo1f-0-0"><span data-offset-key="4eo1f-0-0">卡债拖久了不会消失</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="batvv-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="batvv-0-0"><span data-offset-key="batvv-0-0">积欠卡债不缴,债务并不会随着时间消失,庄国辉强调,银行所有交易都会经</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="6ev25-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="6ev25-0-0"><span data-offset-key="6ev25-0-0">过系统监控,所以坊间谣传卡债拖久了就会消失是一个错误的讯息。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="d9497-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="d9497-0-0"><span data-offset-key="d9497-0-0">“80至90年代本地银行吹起合并风,当时确实有发生过丧失客户文件的问题,</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="13lrv-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="13lrv-0-0"><span data-offset-key="13lrv-0-0">部分人的卡债因而被豁免;但如今银行系统越来越先进,不再会有这种问</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="5mvml-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="5mvml-0-0"><span data-offset-key="5mvml-0-0">题。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="b83it-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="b83it-0-0"><span data-offset-key="b83it-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9hmas-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9hmas-0-0"><span data-offset-key="9hmas-0-0">埃里克补充,个人的付款纪录,包括是否按时付款、逾期付款或未偿还欠款,</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="3n38q-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="3n38q-0-0"><span data-offset-key="3n38q-0-0">也是信用分数中重要的一环,占整体比例的45%。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7fjs3-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7fjs3-0-0"><span data-offset-key="7fjs3-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="10cbo-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="10cbo-0-0"><span data-offset-key="10cbo-0-0">其他影响信用分数的因素包括欠款金额(占20%)、信用历史纪录时间(占</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="2jhae-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="2jhae-0-0"><span data-offset-key="2jhae-0-0">7%)、信用组合(占14%)和新的信用,即查询信用报告的次数多寡(占</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="9snfn-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="9snfn-0-0"><span data-offset-key="9snfn-0-0">14%)。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="33og9-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="33og9-0-0"><span data-offset-key="33og9-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="a3u9q-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="a3u9q-0-0"><span data-offset-key="a3u9q-0-0">“贷款逾期只会停留在信用报告一段时间,即过去24个月,所以当逾期还贷纪</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="40cl9-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="40cl9-0-0"><span data-offset-key="40cl9-0-0">录消除后,个人便可重新建立信用。”</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="7f6b5-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="7f6b5-0-0"><span data-offset-key="7f6b5-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="20gbu-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="20gbu-0-0"><span data-offset-key="20gbu-0-0">不过,他仍建议民众,在刷卡前三思,需留意信用卡的利用率,并按时缴清卡</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="atgq9-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="atgq9-0-0"><span data-offset-key="atgq9-0-0">债,才能改善个人的信用分数。</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="4l805-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="4l805-0-0"><span data-offset-key="4l805-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1m90i-0-0" style="white-space: pre-wrap;"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1m90i-0-0"><span data-offset-key="1m90i-0-0">中国报</span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="91o26-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="91o26-0-0" style="white-space: pre-wrap;"><span data-offset-key="91o26-0-0">https://www.chinapress.com.my/?p=3130243</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="91o26-0-0" style="white-space: pre-wrap;"><span data-offset-key="91o26-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="91o26-0-0"><span data-offset-key="91o26-0-0" style="white-space: pre-wrap;">#中国报 #理财赢家 #信用卡 #刷爆卡 #利息 #资金 #AKPK #杨子佑硕士 #财福人生 #理财 #卡债 #债务 #贷款
#风险 #信用 #财务规划 #精明 #破产 #压力 </span></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-69172006145118640612022-09-06T07:12:00.001+08:002022-09-06T07:12:08.442+08:00拥有大专文凭,月入2,600, 想赴新加玻打工-星洲日报-活用理财<div data-draftjs-conductor-fragment="{"blocks":[{"key":"udn9","text":"这是我第一次来解答星洲日报的财富问诊,刊登在活用理财。我慎重结合了几位已经在新加玻工作的一些朋友的经验,来解答读者关于,“拥有大专文凭,月入2,600, 想赴新加玻打工”。财经版负责人非常满意我的回答,要求我准备下一个更有挑战的问题。希望对大家有帮助。","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"52o3l","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"8h6nr","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"euu50","text":"https://www.sinchew.com.my/.../%e6%8b%a5%e5%a4%a7%e4%b8.../ ","type":"unstyled","depth":0,"inlineStyleRanges":[{"offset":0,"length":59,"style":"UNDERLINE"}],"entityRanges":[{"offset":0,"length":59,"key":0}],"data":{}},{"key":"1djvk","text":"","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[],"data":{}},{"key":"fpigs","text":"#财富问诊 #星洲日报 #活用理财 #新加玻 #打工 #财经 #理财 #杨子佑硕士 #财福人生","type":"unstyled","depth":0,"inlineStyleRanges":[],"entityRanges":[{"offset":0,"length":5,"key":1},{"offset":6,"length":5,"key":2},{"offset":12,"length":5,"key":3},{"offset":18,"length":4,"key":4},{"offset":23,"length":3,"key":5},{"offset":27,"length":3,"key":6},{"offset":31,"length":3,"key":7},{"offset":35,"length":6,"key":8},{"offset":42,"length":5,"key":9}],"data":{}}],"entityMap":{"0":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.sinchew.com.my/.../%e6%8b%a5%e5%a4%a7%e4%b8.../","target":"_blank","rel":""}},"1":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"2":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"3":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"4":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%96%B0%E5%8A%A0%E7%8E%BB?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"5":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%89%93%E5%B7%A5?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"6":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"7":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"8":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}},"9":{"type":"LINK","mutability":"MUTABLE","data":{"url":"https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R"}}},"VERSION":"8.72.29"}" style="white-space: pre-wrap;"><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="foo-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="foo-0-0"><span data-offset-key="foo-0-0">这是我第一次来解答星洲日报的财富问诊,刊登在活用理财。我慎重结合了几位已经在新加玻工作的一些朋友的经验,来解答读者关于,“拥有大专文凭,月入2,600, 想赴新加玻打工”。财经版负责人非常满意我的回答,要求我准备下一个更有挑战的问题。希望对大家有帮助。</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="foo-0-0"><span data-offset-key="foo-0-0"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="foo-0-0"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO4IOZPkThhDYVtiTuxiv4MHCv641hI_E5tSrPdRFUWKjJPfVDfXIqygyGF33nkbgOerZE8PkLXwX4k3lHyVuLWD7ZdJ43hkTtbKX-59a_9Bp2jV5Z2U9BR55CkVQJ1aNq83tNte6kV3e--WkxwOknoBA6Uh2H03y3vK5YeNzZogogucDmng/s630/Screenshot%202022-09-06%20070112.png" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="283" data-original-width="630" height="144" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO4IOZPkThhDYVtiTuxiv4MHCv641hI_E5tSrPdRFUWKjJPfVDfXIqygyGF33nkbgOerZE8PkLXwX4k3lHyVuLWD7ZdJ43hkTtbKX-59a_9Bp2jV5Z2U9BR55CkVQJ1aNq83tNte6kV3e--WkxwOknoBA6Uh2H03y3vK5YeNzZogogucDmng/s320/Screenshot%202022-09-06%20070112.png" width="320" /></a></div><br /><span data-offset-key="foo-0-0"><br /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="8mfed-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="8mfed-0-0"><span data-offset-key="8mfed-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="31s0u-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="31s0u-0-0"><span data-offset-key="31s0u-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="719jj-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><br /></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><span lang="ZH-CN" style="font-family: SimSun;"><b>理财师简介</b></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><span lang="ZH-CN" style="font-family: SimSun;">杨子佑硕士是財福人生教育培训学院的创始人和首席讲师,人力资源企业培训(</span>HRDF<span lang="ZH-CN" style="font-family: SimSun;">),马来西亚财务规划理事会(</span>MFPC<span lang="ZH-CN" style="font-family: SimSun;">)回教理财规划(</span>Shariah RFP<span lang="ZH-CN" style="font-family: SimSun;">)和持续专业培训课程(</span>CPE/CPD<span lang="ZH-CN" style="font-family: SimSun;">)认证培训师,同时是拥有执照的理财师(</span>FAR/CMSRL<span lang="ZH-CN" style="font-family: SimSun;">)。在</span>2019<span lang="ZH-CN" style="font-family: SimSun;">和</span>2021<span lang="ZH-CN" style="font-family: SimSun;">年,他分别出版了财务压力管理中英书籍,和开始教授菲律宾特許財富管理師专业文凭(</span>CWA<span lang="ZH-CN" style="font-family: SimSun;">),也常出现在本地各大媒体版位</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><span lang="ZH-CN" style="font-family: SimSun;"><br /></span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><span lang="ZH-CN" style="font-family: SimSun;"><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">我今年</span>27<span lang="ZH-CN">岁,女,拥有大专文凭,但由于所学的专业属于文科,不属于专业科系(比如工程,医学等等),现在从事文书工作,在小城镇上班,每月薪水马币</span>2600<span lang="ZH-CN">左右。目前在供着车子,每月马币</span>1000<span lang="ZH-CN">的开销。</span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">最近因为汇率以及寻求更好的工作机会,有意要到对岸工作(新加坡),想在年轻的时候赚一笔钱和拿经验。因为想到未来要组织家庭,生活开销逐渐增加等等,眼看想在在本地的薪金,真的会很担心钱不够用,也很焦虑。但也很担心,不知道能不能适应对岸的生活,未来是否要在对岸定居等等问题。</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">不知道我所提供的信息会不会太少,还是希望能够收到专人的指点。谢谢。</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">请称呼我为:</span>90<span lang="ZH-CN">后的</span>x<span lang="ZH-CN">小姐</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><br /></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;">90<span lang="ZH-CN">后的</span>x<span lang="ZH-CN">小姐</span>,<span lang="ZH-CN">你好。</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">关于你的问题,我会分两个部分来解答,供你参考。</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span lang="ZH-CN"><br /></span></b></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span lang="ZH-CN">第一选项去新加坡工作</span></b><b><o:p></o:p></b></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN" style="font-size: 12pt;">当你考虑要去</span><span lang="ZH-CN">新加坡时,如果只是考虑高兑换率还是不够的,尚需考虑当地是否需要类似你拥有的大专文凭</span>-<span lang="ZH-CN">文科或专业背景,否则你还得和当地相同背景的新加坡人竞争,一味的用便宜的薪水来取胜,并非长远之计。我为了提供更好建议给你,特地询问了三位已经在新加坡发展好一段时候的朋友。先确认有工作机会再过去会比较好(网上应征),否则就需要准备一笔钱,以应付生活和住宿费。</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">在新加坡,文科生须看文凭类型,最低薪大约新币</span>$1,800-2,000<span lang="ZH-CN">,当地租金不便宜,现在一个人一间房,每个月也要大概新币</span>$300-500<span lang="ZH-CN">之间,而且需要优先给</span>1-2<span lang="ZH-CN">个月定金,公共交通每个月大约新币</span>$300<span lang="ZH-CN">,简单的伙食,每个月也要新币</span>$300<span lang="ZH-CN">。如果预算你的薪水是新币</span>$2,000<span lang="ZH-CN">,扣除以上的食物,租金,和交通费,大约每个月,你可以省大约新币</span>$1,000<span lang="ZH-CN">(如果租金是新币</span>$400<span lang="ZH-CN">),差不多有一半,当然不能乱买东西或挥霍。</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">根据三位的回馈,有问说现在市场很火热,可以过来找工,因为新加坡需要很多人才,另一位则说,全球在删减工人,招聘方面会比较保守,可以还是需要看什么行业。如果,有朋友或亲戚在那,介绍工作是最好,也有一个照应,至于是否容易适应,其实不难。如果遇到好老板,会鼓励你继续学习,增值和成长。</span><span style="font-family: "Times New Roman",serif; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span lang="ZH-CN"><br /></span></b></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><b><span lang="ZH-CN">第二选项保持现状,留着大马</span></b><b><o:p></o:p></b></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">不管留在大马或去新加坡,最重要还是你的价值,你可以提供老板或公司什么价值或者另外一个说法,就是你如何帮公司赚钱。你可以提供的价值越高(经验,技术,好态度),你就越值钱。很多人毕业后就停止学习,殊不知,很多时候学校所学的,很多都用不上场,唯有继续学才能生存下去。在你现有的工作上,积极主动去学习如何做更多,更快,更好,和去承担更多的工作和责任。同时,积极去向老员工或上司请教,如何布局自己的职业成长,达到你想要的工作和收入。</span><span lang="EN-US"><o:p></o:p></span></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">设立</span>3-6<span lang="ZH-CN">个月的紧急资金是理财的第一步,如果情况可需,补上信用卡作为紧急用途。拥有风险保障或保险是第二步,尤其是住院卡,意外和疾病的保障。第三步才是储蓄和投资。在看回你的情况,如果扣除车贷,就剩下</span>RM1,600,
<span lang="ZH-CN">如果和父母一起住,就可以省下好多的住宿和伙食费,但是别忘了,父母零用钱是需要给的。勉强的扣除</span>RM1,000<span lang="ZH-CN">作为你的伙食,交通和补贴家的开销,计算你尚有大约</span>RM600<span lang="ZH-CN">作为储蓄和投资。别小看这个</span>RM600,
<span lang="ZH-CN">如果纪律,每个月投入一项投资,其年回酬率大约</span>9%<span lang="ZH-CN">,那么</span>28<span lang="ZH-CN">年后(你</span>55<span lang="ZH-CN">岁时),你会有大约</span>22.4<span lang="ZH-CN">万。这还没有计算入每年还会有调高薪水,可投资钱更多了。</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">在你的储蓄和投资部分,尝试了解自己所熟悉或合适的投资工具作为投资的开始,当然,也尝试了解自己的余剩时间,兴趣和背景,看看比较适合自己来</span>-DIY,<span lang="ZH-CN">或者委托专业人士,来进行。现在的投资工具琳琅满目,重要的是先专注一个,过后,在分散。比如,如果你选择自己下手,因为有时间和兴趣,所以,选择了股票,那就花一些时间去学习或钱去上课,了解投资策列和如何分析,慢慢累积投资到,所投资的股息已经足够支撑你大约的生活开销(现在是</span>RM1,600<span lang="ZH-CN">),可能需要几年,基本上你就已经财务自主了。在穷富爸爸的四象限里,这就是典型的从打工直接跳到投资者的方式,市场上你不难看到,有不少人都是这也做的,所以不见得一定要做生意或创业才能跳到为自己工作的象限。这种情况还没有计算入,如果你继续在工作上学习,付出,承担更多,薪水一定水涨船高,可投资的钱就更多了。</span><o:p></o:p></p><p class="MsoNormal" style="line-height: normal; mso-margin-bottom-alt: auto; mso-margin-top-alt: auto;"><span lang="ZH-CN">我看过有些人一开始是打工的,但是,因为独特的技术,手巧和经验,变得公司非常器重和不能少的老员工,公司老板为了留着人才,也直接把公司股权,分给他们,让他们成为公司的股东。这就是另外一个典型的从员工变成老板的例子。所以,行业中有一句话“简单的事情重复做,你就是专家;重复的事情用心做,你就是赢家”。重点是你是否有用心的去付出,老板很清楚呢。只要你处处用心,专注在做好一样事,绝对可以把它做到极致。</span><o:p></o:p></p>
</span></div><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="719jj-0-0"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.sinchew.com.my/.../%e6%8b%a5%e5%a4%a7%e4%b8.../" rel="noopener noreferrer" target="_blank"><span data-offset-key="719jj-0-0">https://www.sinchew.com.my/.../%e6%8b%a5%e5%a4%a7%e4%b8.../</span></a><span data-offset-key="719jj-1-0"> </span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="616ij-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="616ij-0-0"><span data-offset-key="616ij-0-0"><br data-text="true" /></span></div></div><div class="_25Ehb _3qYRK Oh89J public-DraftStyleDefault-block-depth0 public-DraftStyleDefault-text-ltr fixed-tab-size rich_content_P" data-block="true" data-editor="editor" data-offset-key="1rk40-0-0"><div class="public-DraftStyleDefault-block public-DraftStyleDefault-ltr" data-offset-key="1rk40-0-0"><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E5%AF%8C%E9%97%AE%E8%AF%8A?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-0-0">#财富问诊</span></a><span data-offset-key="1rk40-1-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%98%9F%E6%B4%B2%E6%97%A5%E6%8A%A5?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-2-0">#星洲日报</span></a><span data-offset-key="1rk40-3-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%B4%BB%E7%94%A8%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-4-0">#活用理财</span></a><span data-offset-key="1rk40-5-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%96%B0%E5%8A%A0%E7%8E%BB?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-6-0">#新加玻</span></a><span data-offset-key="1rk40-7-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%89%93%E5%B7%A5?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-8-0">#打工</span></a><span data-offset-key="1rk40-9-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-10-0">#财经</span></a><span data-offset-key="1rk40-11-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-12-0">#理财</span></a><span data-offset-key="1rk40-13-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-14-0">#杨子佑硕士</span></a><span data-offset-key="1rk40-15-0"> </span><a class="_3Bkfb _1lsz7" data-hook="linkViewer" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZVOLxpw-XaSfzKKBvZ0YLgdxrg3Ip0geEtIvQjRWc998FQSONpyXBZElYIWddrhQXVTl8LexFDhYXQfucUAY0GzKfNR8JwBNcNJfcAGU4YJI2R1CYKrwW_b-rXmgNRKOnLFl7pfIqco86XHWmtOtgIcpj5xclTUUgWG7Y7ufxBSEikRiih-DyrgSuu9zhBjHRJDlco5Zgr7tqqkdDgmJLe1&__tn__=*NK-R" rel="noopener noreferrer" target="_blank"><span data-offset-key="1rk40-16-0">#财福人生</span></a></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-41131010919577314422022-09-06T06:57:00.010+08:002022-09-06T06:57:58.486+08:00升息周期规划理财,追求最佳利率,转换银行三重奏?693期《资汇》财经周刊<div class="m8h3af8h l7ghb35v kjdc1dyq kmwttqpk gh25dzvf n3t5jt4f" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">Yeah!Yeah! 我之前的访谈刊登了,在693期《资汇》财经周刊的访谈-升息周期规划理财,追求最佳利率,转换银行三重奏?其问题如下:</div></div><div class="l7ghb35v kjdc1dyq kmwttqpk gh25dzvf jikcssrz n3t5jt4f" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">因为国行调整OPR,消费者是否会为了更好的利率产品而换银行。内容将从定期存款(FD)、信用卡和再融资等方向切入</div><div dir="auto" style="font-family: inherit;"><br /></div><div class="separator" style="clear: both; text-align: left;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiNaFtXbcbvx4lkEYnPuuvVsbaH8ZTb7tTyB8MPkACKDdikSc5Y0OL5VOKNCJbCKi-Aq6-Nh_ouyyTqvs05TS1YEty58l47h1Pfnuu4EcsdqSn4iaQCmhb6OXy2RSZ8KR32X8Anp-b97mcVeVmnPdw2-upjX6DBs9cHGdpLPnbPEsiFuVkpA/s2784/%E8%B3%87%E5%8C%AF%E7%90%86%E8%B2%A12.jpg" imageanchor="1" style="background-color: transparent; clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2784" data-original-width="2370" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiNaFtXbcbvx4lkEYnPuuvVsbaH8ZTb7tTyB8MPkACKDdikSc5Y0OL5VOKNCJbCKi-Aq6-Nh_ouyyTqvs05TS1YEty58l47h1Pfnuu4EcsdqSn4iaQCmhb6OXy2RSZ8KR32X8Anp-b97mcVeVmnPdw2-upjX6DBs9cHGdpLPnbPEsiFuVkpA/w544-h640/%E8%B3%87%E5%8C%AF%E7%90%86%E8%B2%A12.jpg" width="544" /></a><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUt79xDJnT_DPbg66c-NfUdmTrvcEYd-abf3AtIP8n1HwToNgIwBO16MOGNuP_A7AXPQc1QPZcArL9TysylNQ_mbmMfR5WXqIQPfv6yY2MoleAXYbljKqn5kB1rxrUrfimIpUM6wJqPQ7k8eEibVxSG5LUCMUdcNrx-4aLGP8Gg2Epkchujg/s2784/%E8%B3%87%E5%8C%AF%E7%90%86%E8%B2%A11.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2784" data-original-width="2312" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhUt79xDJnT_DPbg66c-NfUdmTrvcEYd-abf3AtIP8n1HwToNgIwBO16MOGNuP_A7AXPQc1QPZcArL9TysylNQ_mbmMfR5WXqIQPfv6yY2MoleAXYbljKqn5kB1rxrUrfimIpUM6wJqPQ7k8eEibVxSG5LUCMUdcNrx-4aLGP8Gg2Epkchujg/w532-h640/%E8%B3%87%E5%8C%AF%E7%90%86%E8%B2%A11.jpg" width="532" /></a></div></div><div class="l7ghb35v kjdc1dyq kmwttqpk gh25dzvf jikcssrz n3t5jt4f" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div class="separator" style="clear: both; text-align: center;"><br /></div><div dir="auto" style="font-family: inherit;">想订阅资汇的朋友,可以点击以下连接</div><div dir="auto" style="font-family: inherit;"><br /></div></div><div class="l7ghb35v kjdc1dyq kmwttqpk gh25dzvf jikcssrz n3t5jt4f" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a style="color: #385898; cursor: pointer; font-family: inherit;" tabindex="-1"></a></span>《資匯》- 全馬首創中文財經週刊 Malaysia's 1st and only Chinese financial and investment weekly!!</div></div><div class="l7ghb35v kjdc1dyq kmwttqpk gh25dzvf jikcssrz n3t5jt4f" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">购买/订阅《资汇》: <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd ezidihy3" href="https://busyweekly.pressreader.com/?fbclid=IwAR09RVJdNiOOy2ecJwnouKb0ZcHG8uf2A4TIG0H-zhOcmva-X8GON6Gzk6E" rel="nofollow noopener" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0" target="_blank">https://busyweekly.pressreader.com</a></span></div><div dir="auto" style="font-family: inherit;">点击与免费订阅BusyWeekly(资汇)YouTube频道</div><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd ezidihy3" href="https://l.facebook.com/l.php?u=https%3A%2F%2Fbit.ly%2F3aEYvCy%3Ffbclid%3DIwAR3XAwouyID8gwHkitisVcvJM9SFMg7SU343eYV12nvs_yaY29zsVWO16pI&h=AT2GvCyezQIKEw73E1awax77owUkApNKZDIlwtXhR6UIGjC7VNB9Cd0EEBqO7QLy9eYdKodFINgCu2XBe8hLZnCIBK0P0hhRLZPyyQT0AMajZBUT4p8Zt2-2E-h981e9sLaw3GN2WQZMHpFmDQ&__tn__=-UK-R&c[0]=AT0IUCvmHYHLSZPuFNNjrv3OJwC4yusB4bJGdl6JSnpeasJYL3S1i-ZfWni6PhFOD94SAIGP4EHfufiwV4645mO_LT3aloPayZwZf8oW-G_xE3U8Z9q1eYR3HFP_L3oW4bAnUZx24hUnjyWtZRdWeNQN1GN3UQ1ZW5aDlFgcH25nADgQOCt9R6tNjnbEc1l9oirMXtLk" rel="nofollow noopener" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0" target="_blank">https://bit.ly/3aEYvCy</a></span></div></div><div class="l7ghb35v kjdc1dyq kmwttqpk gh25dzvf jikcssrz n3t5jt4f" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E8%B5%84%E6%B1%87?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#资汇</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%BB%8F?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财经</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E7%90%86%E8%B4%A2?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#理财</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E6%95%99%E8%82%B2?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#教育</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E7%9C%81%E9%92%B1?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#省钱</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E8%87%B4%E5%AF%8C?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#致富</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E6%8A%95%E8%B5%84?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#投资</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E6%9D%A8%E5%AD%90%E4%BD%91%E7%A1%95%E5%A3%AB?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#杨子佑硕士</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E8%B4%A2%E7%A6%8F%E4%BA%BA%E7%94%9F?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#财福人生</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E5%8D%87%E6%81%AF?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#升息</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E9%93%B6%E8%A1%8C?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#银行</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E5%88%A9%E7%8E%87?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#利率</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E4%BF%A1%E7%94%A8%E5%8D%A1?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#信用卡</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E5%AE%9A%E6%9C%9F%E5%AD%98%E6%AC%BE?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#定期存款</a></span> <span style="font-family: inherit;"><a class="qi72231t nu7423ey n3hqoq4p r86q59rh b3qcqh3k fq87ekyn bdao358l fsf7x5fv rse6dlih s5oniofx m8h3af8h l7ghb35v kjdc1dyq kmwttqpk srn514ro oxkhqvkx rl78xhln nch0832m cr00lzj9 rn8ck1ys s3jn8y49 icdlwmnq cxfqmxzd d1w2l3lo tes86rjd" href="https://www.facebook.com/hashtag/%E5%86%8D%E8%9E%8D%E8%B5%84?__eep__=6&__cft__[0]=AZXv85vXDecNAgEQ-m8Zohex3lJBvMvV6h6R7e9O0LAPpVFHwGcfhEwZFExZACQ-HcXtZeUql5fusgrYCOuRnCU-2TvmrUkgkIiOVsz-Vyi5xOL73YXaRlMCdMVfIUUnRZT8F_dWE1jlVw791BR-oUIb6qFzlBcbEuYsBbfbWMY8cA&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#再融资</a></span></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-3284177288507277262022-05-11T13:42:00.002+08:002022-05-11T13:42:21.524+08:00省钱致富难?《资汇》财经周刊的访谈<p> 来了,来了! 我之前的访谈刊登了,在最新《资汇》财经周刊的访谈-省钱致富难?其问题如下:</p><p>1. 省钱是否有机会致富吗?</p><p>2. 省钱等于有钱吗?</p><p>3. 钱省下来后,该怎么利用它?</p><p>4. 投资理财的顺序排列,应该先开源或节流?</p><p><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYLnwlopK7bYjhLS3aZrWqLeGuSnMqR7nhanzAGkiwB7wzdR2YH7gj_Tn_Z9vpSQOGdmjkJQt29Phqc46eu72RRqQH1kPZW3Nb5k102keWUA3Bbce7gLCpPhUEK5qnqPc0MdUAs7EdqejoHOO2K6Tvd84JZ17YJGJpYY_7IRCSONr64QXpww/s1393/0507%E7%90%86%E8%B2%A1%E5%B0%81%E9%9D%A2%20b.jpg" imageanchor="1" style="clear: left; display: inline !important; margin-bottom: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="1393" data-original-width="1178" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYLnwlopK7bYjhLS3aZrWqLeGuSnMqR7nhanzAGkiwB7wzdR2YH7gj_Tn_Z9vpSQOGdmjkJQt29Phqc46eu72RRqQH1kPZW3Nb5k102keWUA3Bbce7gLCpPhUEK5qnqPc0MdUAs7EdqejoHOO2K6Tvd84JZ17YJGJpYY_7IRCSONr64QXpww/w542-h640/0507%E7%90%86%E8%B2%A1%E5%B0%81%E9%9D%A2%20b.jpg" width="542" /></a></p><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhahIjNxGuHRFd-MMdTjj91zTV84C-A5GnGuJ-cM69WHcFJyzghveoj1oSy2N4fLToaFo8m0DG7D4RcUX54dIZjP4tkG7Kp1DTGZ-teDpmPkBTbeUddwzM8SkgA2F3ZQ4VrTLN8TXhdIKxwrC_zmU-N8hIaGJf8FdBMdwN2NmuZrGrLV9lT9w/s1393/0507%E7%90%86%E8%B2%A1%E5%B0%81%E9%9D%A2a.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="1393" data-original-width="1182" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhahIjNxGuHRFd-MMdTjj91zTV84C-A5GnGuJ-cM69WHcFJyzghveoj1oSy2N4fLToaFo8m0DG7D4RcUX54dIZjP4tkG7Kp1DTGZ-teDpmPkBTbeUddwzM8SkgA2F3ZQ4VrTLN8TXhdIKxwrC_zmU-N8hIaGJf8FdBMdwN2NmuZrGrLV9lT9w/w544-h640/0507%E7%90%86%E8%B2%A1%E5%B0%81%E9%9D%A2a.jpg" width="544" /></a></div><br /><p><br /></p><p><br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVaL3VU9sNHrdAlK9_qWNZaiRtvrYkm6PEz0AsKBy0bBRHefBYNDIrRMSEU9CHmrpSmg_dAdPoGyiy0iDZ_Sp6BSeiop-HbX4KH_ocuOzhuW298I7-_t4XYwdqrq28Hm42_r6qU0ItD9G8DI5x7AXaaFmTz0cUjBYCVLaxXOqwJQxjXW61rA/s2048/279581064_5390929867583883_5544940780162355051_n.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1672" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhVaL3VU9sNHrdAlK9_qWNZaiRtvrYkm6PEz0AsKBy0bBRHefBYNDIrRMSEU9CHmrpSmg_dAdPoGyiy0iDZ_Sp6BSeiop-HbX4KH_ocuOzhuW298I7-_t4XYwdqrq28Hm42_r6qU0ItD9G8DI5x7AXaaFmTz0cUjBYCVLaxXOqwJQxjXW61rA/w522-h640/279581064_5390929867583883_5544940780162355051_n.jpg" width="522" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGVtpwX8LYiBCca-q9E1aA7X22MgS57O4i7GeNW6G86spCrXbjMW7q8li7Z3s26g-uiL8reyJn76h-NxJeeB7jjBy3oq5N_bFw28NXgUaYPb8eK9eek4ugFmLiEi3b_Y9Xm1DkImcPrfrQvgsr1N8Cl-sDYDUfxE_SXj51HiwKHhczpT_tHA/s2048/279955623_5390929804250556_4225410412522769154_n.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1674" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGVtpwX8LYiBCca-q9E1aA7X22MgS57O4i7GeNW6G86spCrXbjMW7q8li7Z3s26g-uiL8reyJn76h-NxJeeB7jjBy3oq5N_bFw28NXgUaYPb8eK9eek4ugFmLiEi3b_Y9Xm1DkImcPrfrQvgsr1N8Cl-sDYDUfxE_SXj51HiwKHhczpT_tHA/w524-h640/279955623_5390929804250556_4225410412522769154_n.jpg" width="524" /></a></div><br /><br /><p></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p>想订阅资汇的朋友,可以点击以下连接</p><p><br /></p><p>《資匯》- 全馬首創中文財經週刊 Malaysia's 1st and only Chinese financial and investment weekly!!</p><p>购买/订阅《资汇》: https://busyweekly.pressreader.com</p><p><br /></p><p>点击与免费订阅BusyWeekly(资汇)YouTube频道</p><p>https://bit.ly/3aEYvCy</p><p><br /></p><p>#资汇 #财经 #理财 #教育 #省钱 #致富 #投资 #开源 #节流 #杨子佑硕士 #财福人生 #小小理财家 #億家人</p>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-11215447271443550852022-04-26T21:22:00.006+08:002022-04-26T21:24:01.291+08:00Crucial Investment Concepts-MFPC Financial 1st Magazine 1st 2022<p><span style="background-color: white; color: #050505; font-family: inherit; font-size: 15px; white-space: pre-wrap;">I give MFPC freedom to extra any part of my book content to share in MFPC Financial 1st Magazine in hoping to add value to Magazine readers and MFPC members.</span></p><div class="cxmmr5t8 oygrvhab hcukyx3x c1et5uql o9v6fnle ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">This round title is Crucial Investment Concepts which a lot of people might overlook, hope you like it. Do help to share to benefit more people</div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0sP3EcpJFvl9DUEqVtMsjSPgEMady835DDQ6euVvKGAIG5QQXvY5I9dK3PZqn386IrtnzP03cxUsWgiXVSkDQbWq-BJR4S0Wrmuq8Fhj020lETYhdjRGdK6IYjd7UdzOFkDoUT_hKfxeWFxVF6TwQZzxGkUD4CbI3hhN-N-2KWT6TjoqEYQ/s2200/MFPC%20Article-1.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2200" data-original-width="1700" height="774" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0sP3EcpJFvl9DUEqVtMsjSPgEMady835DDQ6euVvKGAIG5QQXvY5I9dK3PZqn386IrtnzP03cxUsWgiXVSkDQbWq-BJR4S0Wrmuq8Fhj020lETYhdjRGdK6IYjd7UdzOFkDoUT_hKfxeWFxVF6TwQZzxGkUD4CbI3hhN-N-2KWT6TjoqEYQ/w599-h774/MFPC%20Article-1.png" width="599" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgovUz9L8UDOQuRDyV2MSA4WU9whQNbK6B2Uxw00KWEbgjeEaeuuH3_kIoRXfHHBD4FMzEmrOC4X7tNFgFUdOyhXZnaEB3ELkidLzaTr63YA6qIRlyFjXnOaxk759RmXrGiVYKC_xAghZ0ftVs9bZR_7p9K6dip7ZMwVSbLV-3WQjauBSseZQ/s2200/MFPC%20Article-2.png" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="2200" data-original-width="1700" height="740" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgovUz9L8UDOQuRDyV2MSA4WU9whQNbK6B2Uxw00KWEbgjeEaeuuH3_kIoRXfHHBD4FMzEmrOC4X7tNFgFUdOyhXZnaEB3ELkidLzaTr63YA6qIRlyFjXnOaxk759RmXrGiVYKC_xAghZ0ftVs9bZR_7p9K6dip7ZMwVSbLV-3WQjauBSseZQ/w571-h740/MFPC%20Article-2.png" width="571" /></a></div><br /><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><p><br /></p><div class="cxmmr5t8 oygrvhab hcukyx3x c1et5uql o9v6fnle ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;">The full version of Financial 1st Magazine is available as per the following link:</div><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 py34i1dx" href="https://www.mfpc.org.my/sortable-portfolio/?fbclid=IwAR3xFRC9bx-4qJx2aW5LX8FNN-2bo4dWlVwqxStSlRfhTxmN8SXJMV0T0Kc" rel="nofollow noopener" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0" target="_blank">https://www.mfpc.org.my/sortable-portfolio/</a></span></div><div dir="auto" style="font-family: inherit;"><br /></div></div><div class="cxmmr5t8 oygrvhab hcukyx3x c1et5uql o9v6fnle ii04i59q" style="background-color: white; color: #050505; font-family: "Segoe UI Historic", "Segoe UI", Helvetica, Arial, sans-serif; font-size: 15px; margin: 0.5em 0px 0px; overflow-wrap: break-word; white-space: pre-wrap;"><div dir="auto" style="font-family: inherit;"><span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/mfpc?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#MFPC</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/1stfinancial?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#1stFinancial</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/financialplanning?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#financialplanning</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/yongchueu?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#YongChuEu</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/moneylife?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#MoneyLife</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/invest?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#Invest</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/dollarcostaveraging?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#DollarCostAveraging</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/startearly?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#StartEarly</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/assetallocation?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#AssetAllocation</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/rebalancing?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#Rebalancing</a></span> <span style="font-family: inherit;"><a class="oajrlxb2 g5ia77u1 qu0x051f esr5mh6w e9989ue4 r7d6kgcz rq0escxv nhd2j8a9 nc684nl6 p7hjln8o kvgmc6g5 cxmmr5t8 oygrvhab hcukyx3x jb3vyjys rz4wbd8a qt6c0cv9 a8nywdso i1ao9s8h esuyzwwr f1sip0of lzcic4wl gpro0wi8 q66pz984 b1v8xokw" href="https://www.facebook.com/hashtag/powerofcompounding?__eep__=6&__cft__[0]=AZW7N_I5QpdQ94JLMaBeNuJXG8Q6mLRXBJqB_VJPrkIUCHndrpzxoqWaGJreZ0Kmm9OSr0GKpqwpK1fNHrKBVkz_F-ybAamX2eAtUFMUbqKYNqgQeoRLG15DsURxBkT_tJKhMa_ljkJL30-C6OWAw4hUrrzLgS7lYYhGas9OxxaQPQ&__tn__=*NK-R" role="link" style="-webkit-tap-highlight-color: transparent; background-color: transparent; border-color: initial; border-style: initial; border-width: 0px; box-sizing: border-box; cursor: pointer; display: inline; font-family: inherit; list-style: none; margin: 0px; outline: none; padding: 0px; text-align: inherit; text-decoration-line: none; touch-action: manipulation;" tabindex="0">#PowerOfCompounding</a></span></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0tag:blogger.com,1999:blog-7419466.post-73804388227745400682022-02-28T07:56:00.008+08:002022-02-28T07:59:30.411+08:00别再帮孩子保管压岁钱!专家授招教小朋友如何理财-精彩大马<p><span style="font-size: medium;"> <span style="color: #1a1a1a; font-family: "Noto Sans SC";">别再帮孩子保管压岁钱!专家授招教小朋友如何理财</span></span></p><p><span style="font-size: medium;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhl-BfFh4gyYjOvjYx6Nw7NfuIMeLMxhoTO3NEeQvXq7ZkyyWp1BORF66uyCW2SjqX2La4rVByuxRBftmzS3ksVZz1nBpfm4Ry2BSJe1LTvNNKGHAiDbI1A2r9Z5IhaoNaUJhQ-W0wsTz42-v3xCCPD8UxYN3tZnh41SCRnJIBOMJEHcTfuTw=s900" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" data-original-height="599" data-original-width="900" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEhl-BfFh4gyYjOvjYx6Nw7NfuIMeLMxhoTO3NEeQvXq7ZkyyWp1BORF66uyCW2SjqX2La4rVByuxRBftmzS3ksVZz1nBpfm4Ry2BSJe1LTvNNKGHAiDbI1A2r9Z5IhaoNaUJhQ-W0wsTz42-v3xCCPD8UxYN3tZnh41SCRnJIBOMJEHcTfuTw=w640-h426" width="640" /></a></span></div><span style="font-size: medium;"><br /><span style="color: #1a1a1a; font-family: "Noto Sans SC";"><br /></span></span><p></p><div class="row" style="box-sizing: border-box; display: flex; flex-wrap: wrap; font-family: "Noto Sans SC"; margin-left: -15px; margin-right: -15px;"><div class="col-md-12" style="box-sizing: border-box; flex: 0 0 100%; max-width: 100%; padding: 0px 15px 10px; position: relative; width: 787px;"><div class="article-image-gallery" style="box-sizing: border-box; margin-bottom: 10px; margin-top: 15px;"><div style="box-sizing: border-box;"><div class="layout-ratio" style="box-sizing: border-box; height: 0px; padding-bottom: 507.188px; position: relative; width: 757px;"><picture style="box-sizing: border-box;"><span style="font-size: 14px;">只有小部分的家长能理解,其实压岁钱是培养孩子财富意识的绝佳机会。-图取自freepik/精彩大马制图-</span></picture></div></div></div><div class="social-pages" style="border-bottom: 1px solid rgba(0, 0, 0, 0.1); box-sizing: border-box; font-size: 16px; line-height: 24px; margin-bottom: 25px; margin-top: 25px; padding-bottom: 15px;"><span style="font-weight: bold;">作者:</span><span style="font-weight: bold;"> </span><span class="author-name" style="box-sizing: border-box; color: #eb1863; font-weight: bold;">刘家仪</span></div><div class="article-info" style="box-sizing: border-box;"><div class="article-date" style="box-sizing: border-box; font-size: 12px; font-style: italic; line-height: 14px; padding-top: 5px;">2022年 02月 06日 星期日 12:44 下午 MYT</div></div></div></div><div class="row" style="box-sizing: border-box; display: flex; flex-wrap: wrap; margin-left: -15px; margin-right: -15px;"><div class="col-md-12 body-con" style="box-sizing: border-box; flex: 0 0 100%; max-width: 100%; padding: 0px 15px 10px; position: relative; width: 787px;"><div class="article-body" style="box-sizing: border-box; line-height: 24px; margin-bottom: 40px; margin-top: 5px;"><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">许多小孩都很期待过农历新年,因为除了可以穿新衣、吃年饼、享受学校假期,还有就是可以收到长辈给的“压岁钱”。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">压岁钱的“岁”音同“祟”,因此压岁钱有压制邪祟的意义,把不好的灾厄压制下来,也就是说晚辈得到压岁钱就可以平平安安度过一岁。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">许多父母都认为孩子还小,不懂如何管钱,所以帮他们保管并决定把钱花在什么地方,结果错过教育孩子理财的机会。那么,父母应该如何教导孩子管理压岁钱呢?</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">理财规划咨询师兼儿童财商课程研发老师庄惠妆(钱钱老师)表示,帮孩子保管压岁钱似乎是一种“传统”,但这不是最好的处理方式。</p><div class="image_body" style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px;"><div style="box-sizing: border-box; padding: 10px 0px;"><img alt="理财规划咨询师兼儿童财商课程研发老师庄惠妆(钱钱老师)表示,帮孩子保管压岁钱似乎是一种“传统”,但这不是最好的处理方式。-庄惠妆提供-" class="loading" data-was-processed="true" src="https://www.cincainews.com/cincainews/uploads/images/2022/02/06/4183.jpg" style="box-sizing: border-box; width: 757px;" /><div class="image-caption" style="box-sizing: border-box; font-size: 14px; line-height: 16px; margin-top: 7px;">理财规划咨询师兼儿童财商课程研发老师庄惠妆(钱钱老师)表示,帮孩子保管压岁钱似乎是一种“传统”,但这不是最好的处理方式。-庄惠妆提供-</div></div></div><p class="article-desc" style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">她表示,清崎先生在《富爸爸,穷爸爸》提及,大约3岁左右的孩子就开始对钱感兴趣,这个时候是教他们财商的黄金时期,可惜大部分家长并没有这种意识。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><em style="box-sizing: border-box;"><strong style="box-sizing: border-box;">培养孩子的理财观念</strong></em></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">“家长会理所当然地认为,只要提供孩子吃的、穿的、东西够用,根本无需给孩子接触钱,更不用把压岁钱留给孩子。也有些家长出奇一致地认为和担心孩子有钱会变坏。”</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">“只有小部分的家长能理解其实压岁钱是培养孩子财富意识的绝佳机会,让孩子通过压岁钱感受财富的积累和花费的过程,从而培养他们的理财观念。”</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">她说,国际著名投资大师彼得(Peter Lynch)曾说:“ 一个人未来的财富并不取决于他的智商和情商,而是取决于他的财商。财商指的是一个人如何理解财富、驾驭财富和创造财富的能力。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">至于父母应该如何培养孩子的理财意识,她建议家长们可以根据孩子年龄,并通过以下3个阶段来慢慢教导孩子如何理财。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><strong style="box-sizing: border-box;">第一阶段(3-6岁)</strong></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">家长可以带已持有MyKid卡的孩子到银行,并开设一个联名银行户头和银行卡,然后一定要指导孩子一些基本知识,如了解钱存在银行会产生利息、如何保护自己的银行户头,以避免盗取等。当孩子看到存款不断积累,他们会从中感受到理财的乐趣,从而主动学习理财的相关知识。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><strong style="box-sizing: border-box;">第二阶段(7-10岁)</strong></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">家长不仅要培养孩子的理财能力,还要激发孩子想办法增长财富的能力。当孩子透过自己的努力获取了金钱,又看见自己的存款渐渐增加时,就会对财商教育产生学习的兴趣。<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />家长能透过让孩子自己去创造金钱的“价值”,以便能让孩子从小意识到累积财富的不易,同时培养孩子奋斗的精神和激发他们开创财富的主动性。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><strong style="box-sizing: border-box;">第三阶段(11-12岁)</strong></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">具有投资和理财经验的家长可以开始和孩子谈论理财投资产品,让孩子了解除了可以靠自己付出劳动赚取主动收入之外,还可以学习投资来赚取被动收入。</p><div class="image_body" style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px;"><div style="box-sizing: border-box; padding: 10px 0px;"><img alt="父母可以按照3个阶段来慢慢教导孩子如何理财。-精彩大马制图-" class="loading" data-was-processed="true" src="https://www.cincainews.com/cincainews/uploads/images/2022/02/06/4184.jpg" style="box-sizing: border-box; width: 757px;" /><div class="image-caption" style="box-sizing: border-box; font-size: 14px; line-height: 16px; margin-top: 7px;">父母可以按照3个阶段来慢慢教导孩子如何理财。-精彩大马制图-</div></div></div><p class="article-desc" style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">她指出,如果孩子从小就学习财商教育,他通常都能以更平和的心态去看待金钱,从而获得真正的自由,同时了解钱只是一种工具,它既能满足人的某种需求,也能达到“给予”的目的,也就是帮助别人。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><em style="box-sizing: border-box;"><strong style="box-sizing: border-box;">把压岁钱分成5个部分</strong></em></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">“更重要的是孩子能从中学会自律和舍得,他终将会成为金钱的主人,而不是金钱的奴隶。”</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">她说,建议家长在孩子7岁至10岁的时候,就开始教导他们规划和管理压岁钱。他们可以教孩子把“压岁钱”分成5个部分,分别是感恩库、献爱心、储蓄、投资和消费,然后再按百分比来分配。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">“例如压岁钱总共是385令吉,感恩库占10%,可以拿这笔钱来买送给长辈的礼物。”</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">以下是“如何教孩子管理和规划压岁钱”的图表,供家长们参考。</p><div class="image_body" style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px;"><div style="box-sizing: border-box; padding: 10px 0px;"><img alt="父母可以教孩子把“压岁钱”分成5个部分,分别是感恩库、献爱心、储蓄、投资和消费,然后再按百分比来分配。-精彩大马制图-" class="loading" data-was-processed="true" src="https://www.cincainews.com/cincainews/uploads/images/2022/02/06/4185.jpg" style="box-sizing: border-box; width: 757px;" /><div class="image-caption" style="box-sizing: border-box; font-size: 14px; line-height: 16px; margin-top: 7px;">父母可以教孩子把“压岁钱”分成5个部分,分别是感恩库、献爱心、储蓄、投资和消费,然后再按百分比来分配。-精彩大马制图-</div></div></div><p class="article-desc" style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><em style="box-sizing: border-box;"><strong style="box-sizing: border-box;">制定《压岁钱协议书》</strong></em></p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">她说,家长选择先替孩子保管压岁钱主要原因是觉得孩子无法妥善管理压岁钱。可是,家长往往忽略了,其实管理金钱的能力是需要被训练的。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">“授之以鱼,不如授之以渔,为何我们不趁孩子受挫成本最低的情况下让他去试错呢?”</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">她表示,为了避免孩子乱花压岁钱,家长可以和孩子签订一份《压岁钱协议书》。事前跟孩子讨论清楚压岁钱可运用的范围有哪些,多少是可以由孩子自己支配的、购买范围包括什么、不能把钱花在哪里等。</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;">“透过制定《压岁钱协议书》,孩子也能从中学习诚信和契约精神。”</p><p style="box-sizing: border-box; font-family: "Noto Sans SC"; font-size: 16px; margin-bottom: 10px; margin-top: 10px;"><br /></p><p style="box-sizing: border-box; margin-bottom: 10px; margin-top: 10px;"><span style="font-family: Noto Sans SC;">https://www.cincainews.com/news/eat-travel/2022/02/06/how-to-teach-children-to-manage-their-angpow/2844</span></p></div></div></div>Yong Chu Euhttp://www.blogger.com/profile/16552403358214073211noreply@blogger.com0