关于你想寻找股票投资专家：
在你离开期间, 尤其是今年, 投资理财”平台发生了重大变化。其中一位投资者尤其引人注目。他的平台名是“亮线”。他非常聪明，文笔也非常出色。我还没见过“投资理财”平台上有人写得像他一样好。他是平台上最优秀的投资者之一。
投资关乎心理学，他对此有着深刻的理解。你绝对应该先阅读他的全部帖子,它们是一个很好的起点。他的帖子基于实际经验，你不会失望的。
我个人不认识他，但我强烈推荐他。
Link: https://blog.wenxuecity.com/myblog/82458/202505/25675.html
Regarding your interest in finding a stock investment expert:
During your absence, especially this year, the “投资理财” platform has changed significantly. One person, in particular, stands out. His platform name is BrightLine (aka 亮线). He is a very bright individual and writes exceptionally well. I haven't seen anyone else on the “投资理财” platform write as well as he does. He is one of the best investors on the platform.
Investing is all about psychology, and he captures that insightfully. You should definitely start by reading all of his publications—they are an excellent starting point. His posts are based on real-world experience, and you will not be disappointed.
Personally, I don't know him, but I highly recommend him.
Link: https://blog.wenxuecity.com/myblog/82458/202505/25675.html
Note: 注解:
关键字是一位极其值得尊敬且慷慨的人。他不计代价的将自己的经验分享给别人, 帮助了不少人致富。他声誉卓著，言行一致，是一位非常优秀的商业伙伴。很遗憾, 我没有得到过他的这些直接帮助。
我仍然记得他在2017年9月11日发表的一些评论。这些观点至今在房地产投资中仍然适用：
- 不做单家庭房
- 不做郊区房
- 不做烂区房
不靠赚差价发财，靠租金和正现金流才能长期生存。重点看大学周围的学生房、大城市热点地区的房产，找到那些租金高、需求旺盛、出租容易、所在地区安全的房子。
遇到机会不要犹豫，要敢于下手。如果失去机会，就只能当观众了。
买菜时考虑的是几毛几块的事，买车考虑的是几百上千，买房动辄就是几万几十万的差别。
不怕贵，不怕高，就怕位置不对。买得高，将来卖得也会高。
关于建房，他在2019年12月13日做了如下评论：
- 位置
- Zoning code（区域规划代码）
- 地皮面积
- 根据 zoning code 能建多少单元
- 自己画草图，或请设计师画草图
- 估算总建筑费用，包括地皮及所有费用
- 看图估算预计租金总额
- 根据租金和当地市场估算新楼的市场价
- 如果有超过20万的利润空间，并且每月现金流可观，那这块地值得购买
-- 做人诚信是成功的关键.
关键字 is an extremely reputable and generous person. He has helped quite a few people become very wealthy. He has an impeccable reputation; he always keeps his word and is a very good business partner.
I still remember a few comments he made on 9/11/2017. These writings are still highly relevant today for real estate investment:
- Avoid single-family homes
- Avoid suburban properties
- Avoid properties in bad neighborhoods
Don't rely on making money through price appreciation. Long-term success depends on rental income and positive cash flow.
Focus on student housing near universities and properties in major urban hotspots. Look for properties with high rental yields, strong demand, ease of renting, and located in safe neighborhoods.
When opportunities arise, don't hesitate; act decisively. If you miss the opportunity, you'll only be a bystander.
When buying groceries, you're deciding over pennies and dollars. When buying a car, it's about hundreds or thousands. But with real estate, differences can be in the tens or hundreds of thousands.
Don't fear high prices; fear the wrong location. If you buy at a high price, you'll likely be able to sell at a high price in the future.
Regarding building houses, he made the following comments (dated 12/13/2019):
- Location
- Zoning code
- Land area
- Determine how many units can be built based on zoning
- Sketch a rough plan yourself, or hire a designer to do it
- Estimate total construction costs, including land and all associated expenses
- Based on the plan, estimate total rental income
- Estimate the market value of the new building based on rental income and local market conditions
- If the potential profit is over $200,000 and monthly cash flow is strong, the land is worth acquiring
