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
亚洲日韩精品国产3区| 国产小仙女视频一区二区三区| 久久精品女人天堂AV麻| 人人做天天爱夜夜爽| 精品久久久久久无码专区不卡| 亚洲综合成人AV一区在线观看| 日产亚洲一区二区三区| 久久久久久久成人午夜精品| 一本色道久久综合无码人妻| 久久久久久国产精品免费无码| 少妇A级毛片免费无码久久| 国产高清在线精品一区二区| 欧美午夜成人精品视频| 久久精品国产久精国产| 国产欧美日韩精品一区二区三区蜜桃不卡| 青春草在线视频观看| 久久精品亚洲青青草原| 日韩福利视频日韩久久免费影院观看| 国内精品露脸在线视频播放 | 久人人爽人人爽人人片av| 18在线观看国内精品视频| 亚洲国产AV一区二区三区| 亚洲嫩草影院久久精品| 重口SM一区二区三区视频| 91精品人妻一区二区互动交流| 久久99精品国产99久久| 国产女人高潮好舒服在线观看| 欧美午夜一区二区福利视频| 人人妻人人澡人人爽精品欧美| 国产美女被爽到高潮激情免费A片| 精品免费国偷自产| 国产激情精品一区二区三区| 国产一级a在线观看免费| 99久久国产精品免费一区二区| (愛妃精選)午夜福利理论片高清在线观看| 精品福利一区二区三区精品| 久久综合九色综合97首页| 高清中文字幕男人的天堂| 亚洲日韩国产欧美一区二区三区| 97高清国产国语精品自产拍| 无套内谢孕妇毛片免费看|