1.the finishrich folder system: tax return,retirement account, social security, investment account, saving and checking account, household account,credit card debt. DOLP worksheet, credit score. other liabilities, insurance, will or trust, children account, latte factor, 19
2.latte factor: is this spending really worth it? 28
3.儲3個月支出作儲備79
4.age 25, invest 25%in stock 75 in fixed equities96
5.housing cost 25% of gross income 133
2016年1月13日 星期三
2016年1月12日 星期二
debt free for life: david bach
1. DOLP: DONE ON LAST PAYMENT53
2.DOLP WORKSHEET 62
ACCOUNT OUTSTANDING BALANCE MIN. MONTHLY PAYMENT DUE DATE
DOLP NO.(BALANCE/MIN MONTHLY PAYMENT) DOLP RANKING
3.PAY DOUBLE THE MIN. PAYMENT 65
4.reduce the no. of credit with balance 66
5. 債務有時效性, 過時不能控告170
6.doing anything to acknowledge that you owe the money can reset or restart the statue of limitations clock 171
7. 過追(訴期限, 通知收數佬, 有效時間已過, 我無欠你錢即可170
8. 要求收數佬證明你有欠他們錢, 他們多數拿不出來 171
9. debt management plan DMP: stop charging the over-the -limit fee, annual fee and late payment penalties 183
2.DOLP WORKSHEET 62
ACCOUNT OUTSTANDING BALANCE MIN. MONTHLY PAYMENT DUE DATE
DOLP NO.(BALANCE/MIN MONTHLY PAYMENT) DOLP RANKING
3.PAY DOUBLE THE MIN. PAYMENT 65
4.reduce the no. of credit with balance 66
5. 債務有時效性, 過時不能控告170
6.doing anything to acknowledge that you owe the money can reset or restart the statue of limitations clock 171
7. 過追(訴期限, 通知收數佬, 有效時間已過, 我無欠你錢即可170
8. 要求收數佬證明你有欠他們錢, 他們多數拿不出來 171
9. debt management plan DMP: stop charging the over-the -limit fee, annual fee and late payment penalties 183
2016年1月7日 星期四
the automatic millionaire homeowner:david bach
1. money market account as saving account for down payment : mutual fund invest in short term goverment bond65
2.latte factor: we waste money on small things that we want but don't really need77
3.double latte factor: look at fixed overhead(regular monthly cost) and cut back78
4. double late factor challenge 80
item cost wasted moeny? amount saved amount saved monthly
what i bought or buy how much eliminated or reduced i can save X by doing Y
5. 證明自己的還款能力: 3年稅表, 3-6個月銀行月結單142
6. negotiate fee and closing cast to save money146
7.用第一間屋的淨值買第二間屋
第一間升值, refinace 借更多的錢去還原本的mortgage 和第二間屋的首期209
2.latte factor: we waste money on small things that we want but don't really need77
3.double latte factor: look at fixed overhead(regular monthly cost) and cut back78
4. double late factor challenge 80
item cost wasted moeny? amount saved amount saved monthly
what i bought or buy how much eliminated or reduced i can save X by doing Y
5. 證明自己的還款能力: 3年稅表, 3-6個月銀行月結單142
6. negotiate fee and closing cast to save money146
7.用第一間屋的淨值買第二間屋
第一間升值, refinace 借更多的錢去還原本的mortgage 和第二間屋的首期209
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