成人小说亚洲一区二区三区,亚洲国产精品一区二区三区,国产精品成人精品久久久,久久综合一区二区三区,精品无码av一区二区,国产一级a毛一级a看免费视频,欧洲uv免费在线区一二区,亚洲国产欧美中日韩成人综合视频,国产熟女一区二区三区五月婷小说,亚洲一区波多野结衣在线

立即打開
另類投資是餡餅還是陷阱?(節(jié)選)

另類投資是餡餅還是陷阱?(節(jié)選)

James Sterngold 2012-12-12
如今很多投資者已不再信任華爾街推出的傳統(tǒng)的理財(cái)產(chǎn)品,轉(zhuǎn)而把錢投給形形色色的另類投資品種,包括止贖屋、個(gè)人按揭貸款、本票、稅務(wù)留置權(quán)證書、外匯基金、私人合伙權(quán)益、貴金屬交易等。它們更賺錢,但也更無序。它們到底是餡餅還是陷阱,兩位好朋友的經(jīng)歷或許能給你答案。

????2006年12月份,基思·伍德維爾打開羅斯·摩爾寄來的圣誕禮物時(shí),他就知道出問題了。伍德維爾和摩爾的經(jīng)歷非常相似:兩人都是猶他州摩門教徒,畢業(yè)于楊百瀚大學(xué)(Brigham Young University),都當(dāng)過律師,2001年911后在迸發(fā)的愛國熱情驅(qū)使下決定為國獻(xiàn)身,加入了美國中央情報(bào)局(CIA)同一個(gè)培訓(xùn)項(xiàng)目,兩人很快就成了死黨。隨著雙方的妻子相互熟識,孩子們在一起玩耍,他們的生活也進(jìn)一步交織在一起。到2006年底時(shí),伍德維爾仍在這家情報(bào)機(jī)構(gòu)服役,以美國駐澳大利亞大使館雇員的身份,搜集東南亞情報(bào)。而摩爾已經(jīng)厭倦了這項(xiàng)工作的種種要求,回到了猶他州重新當(dāng)他的老百姓。

????這年12月,伍德維爾收到了摩爾寄來的圣誕禮物。這是一張勵(lì)志DVD《秘密》(The Secret),朗達(dá)·拜恩寫的這本書后來成了暢銷書?!澳闶怯钪嬷凶顝?qiáng)大的磁場!你本身擁有比世界上任何東西都強(qiáng)大的磁場,”這就是該書中典型的一段。這張DVD講述如何運(yùn)用這種磁力引來財(cái)富。

????但一張新世紀(jì)式的勵(lì)志DVD絕不可能對伍德維爾產(chǎn)生吸引力。他只關(guān)注事實(shí)和證據(jù),一絲不茍,典型的執(zhí)法人員形象——身材強(qiáng)壯、穿灰色西服、留著極短的寸頭。伍德維爾對這份禮物感到很困惑?!拔乙庾R到會(huì)有什么事發(fā)生,”他現(xiàn)在描述當(dāng)時(shí)的狀況稱。

????幾個(gè)月后,摩爾寫電子郵件給伍德維爾說,他投資的一只私募基金專門購買、轉(zhuǎn)售被低估所謂房屋,正在帶來難以置信的回報(bào)——每個(gè)月10%。這只基金的不尋常之處在于,這似乎不僅僅是錢。它支撐了這樣一種信念:不打算依賴政府告訴他們什么地方投資安全的人們需要特立獨(dú)行和自力更生。摩爾不僅將自己的積蓄投入了這家基金,還在為它做法律工作以及招募新投資者。伍德維爾喜歡簡單普通的共同基金,他是那種認(rèn)為只要買入幾只股票,生活就會(huì)充滿危機(jī)的人。他沒有理睬摩爾提出的幫他買入基金的建議。

????對于摩爾而言,賺取公務(wù)員工資的歲月已經(jīng)遠(yuǎn)去,他將盡情享受新的優(yōu)裕生活。他帶妻子去了加勒比海度假。幾個(gè)月后當(dāng)伍德維爾去看他時(shí),摩爾向這位好友展示了最令他驕傲的新車:一輛異彩流光的紅色雷克薩斯(Lexus)。

????當(dāng)晚,摩爾攜妻子共同觀看了伍德維爾妻子在教堂的小提琴獨(dú)奏演出后,摩爾提出了建議:伍德維爾應(yīng)當(dāng)放棄在美國中央情報(bào)局的工作,和他一起干。除了成功的房地產(chǎn)投資外,摩爾解釋說,他還計(jì)劃創(chuàng)立一家人生教練公司,肯定能大獲成功?!叭绻阍敢怆x開情報(bào)部門,”摩爾告訴他的朋友說?!拔覀儜?yīng)當(dāng)一起干?!?/p>

????只要能找到公司進(jìn)行投資,眼前這樣的場景就會(huì)不斷上演——在酒吧、辦公室、在后院露臺(tái),在世界上任何地方,朋友勸朋友加入各種各樣的風(fēng)險(xiǎn)投資(或冒險(xiǎn))。”

????Keith Woodwell knew something was amiss the moment he unwrapped the Christmas present from Ross Moore. Woodwell and Moore -- both Utahans, both Mormons, both graduates of Brigham Young University, both lawyers -- had become tight friends after both, in parallel bursts of patriotism inspired by 9/11, decided to devote themselves to their country and entered the same CIA training program. Their lives had intertwined further as their wives had become close and their children played together. By late 2006, Woodwell was serving in the spy agency, posing as a U.S. embassy employee in Australia while gathering intelligence on Southeast Asia. Moore had tired of the demands of the job and moved back to Utah, a civilian once again.

????That December, Woodwell received a Christmas present from Moore in the mail. It was a copy of?The Secret, an inspiration-oriented DVD that later became a bestselling book by Rhonda Byrne. "You are the most powerful magnet in the universe! You contain a magnetic power within you that is more powerful than anything in this world," went a typical passage. The DVD described how to use that magnet to attract wealth.

????A New Agey self-help video was the last thing that would appeal to Woodwell. He's the sort of man who concerns himself with concrete facts and evidence -- the very picture of buttoned-up law enforcement intensity with his solid physique, gray suits, and a buzz cut that leaves him a millimeter short of full baldness. Woodwell was taken aback by the gift. "I realized something was up," he says now.

????A few months later Moore e-mailed to tell Woodwell he was making fabulous returns -- 10% a month -- in a private fund that bought undervalued houses and resold them. The fund was unusual in that it seemed to be about more than money: It espoused a dogma that stressed individualism and self-reliance for the type of person who wasn't going to rely on the government to tell him where it's safe to invest. Moore wasn't just putting his savings into the fund; he was doing legal work for it and recruiting new investors as well. Woodwell, who favors?plain-vanilla mutual funds, is the type of person who considers buying a few shares of an individual stock as living dangerously. He ignored Moore's offer to help him buy in.

????The days of public sector salaries were gone for Moore, it seemed, and he was reveling in his new affluence. He took his wife on a Caribbean vacation. And when Woodwell visited a few months later, Moore showed off his newest and proudest possession: a gleaming red Lexus.

????That night, after Moore and his wife attended a violin recital by Woodwell's wife at their church, Moore made his pitch: Woodwell should give up his CIA job and join him. In addition to the successful real estate investments, Moore explained, he was planning to start a life-coaching business that he was certain would be a success. "If you're ready to leave the agency," Moore told his friend, "we should work together."

????For as long as there have been businesses to invest in, scenes like this have played out -- in bars, in offices, on backyard decks -- with buddies wooing buddies to join them in every type of venture (and adventure) under the sun.

掃描二維碼下載財(cái)富APP
无码理论在线中文字幕| 99精品久久精品一区二区| 国产一级婬片AAA毛片久久| 欧美爆乳乱妇高清免费| 免费国产污网站在线观看不要卡| 国产毛片久久久久久国产毛片| 国产精品亚洲片在线| 欧美成人亚洲国产中文精品| 国模精品一区二区三区| 97久久久久久精品无码毛片| 欧美老熟妇又粗又大| 在线观看欧美视频| 国产初高中生真实在线视频| 欧美精品一区二区在线观看| 97视频人人看人人做首页一97碰| 99国产欧美另类久久久精品| 日韩精品中文字幕无码无卡 | 夜夜高潮夜夜爽夜夜爱爱一区| 国产女人高潮叫床免费视频| 人人妻人人澡人人爽人人精品电影| 99久热RE在线精品99 6热视频| 欧美激情一区二区三区啪啪| 精品久久九九九九玖玖玖| 亚洲中文字幕国产综合| 精品国产AⅤ无码一区二区| 国内精品露脸在线视频播放 | 国产偷窥熟女高潮精品视频免费| 欧洲变态另类zozo-av色国产色拍| 亚洲AV永久无码精品三区在线| 一本色道无码不卡在线观看| 毛片大全真人在线| 亚洲欧美综合天天看| 丰满人妻在公车被猛烈进入电影| 中文字幕一区二区三区久久| 国产97色在线 日韩| 台湾黄三级高清在线观看播放| 国产精品成久久久久三级| 人妻无码中文久久久久专区| 国产成人无码Av在线播放无广告| 99久久国产精品免费一区二区| 精品国产一区二区三区香蕉下载|