你對債務的態度

[dengfong]

為了幫助大家了解債務有如雙面刃的觀念，我們來做個小小測驗,請逐一圈選以下問題的答案，你認為這些問題是對還是錯呢?

1.( )當你融資購買車子時，最重要的考量，就是確定你有能力付清貸款?

2.( )聰明人絕對不會借錢付學費。

3.( )你應該盡快繳清房貸，以節省利息費用。

4.( )只要你有辦法在一年內還錢，用信用卡支付度假費用是沒有問題的。

5.( )財務高手沒有債務問題，而且他們從來不借錢。

6.( )假如你必須借錢買車，無息分期貸款的車貸比4%的房屋抵押貸款理想。



只要在這些問題的答案中有任何一題你回答「對」，後面的說明可以幫助你釐清「好」債和「壞」債的區別。
繼續閱讀 (http://blog.dengfong.com.tw/2009/03/whats-attitude-of-your-debt.html)

[muzilidan]

无债一身轻，感觉更逍遥:lalala:

[becky]

读了登丰的部落格，不错，有提到不愿意负债的人有心理障碍，这个部分让我联想到本人的父母，都是怕欠债的人，我想这是由于出生背景和年龄的关系，中国人特别是上了年纪的，大部分做事都比较保守，觉得贷款就是欠债，是个坏主意。

[Michael]

每個人都想上天堂,但沒有人想死 !
中國人對負債確實有一種潛意識的排斥......
沒錯,儲蓄是一種美德
但,我身邊的有錢人都跟銀行借錢.........哈:D:D

[H1N1 :(]

我個人就不喜歡貸款,明明有錢可以一次付清為什麼還要分期付款然後給銀行賺利息呢:confused:

[dengfong]

我個人就不喜歡貸款,明明有錢可以一次付清為什麼還要分期付款然後給銀行賺利息呢:confused:
通常有錢人借錢不是用來消費,而是用來投資,幾乎每一家上市公司都會借錢不是跟銀行借就是透過初級市場跟投資人直接借(發行股票或債券或是商業本票)
如果是消費行為,那麼我也認同你的做法,一次現金付清而不使用信用卡循環!

[EvaHu]

同意楼上的说法。

其实这也是为什么有钱的人越来越有钱的道理--钱滚钱的回报率和劳力付出是最不成正比的！因此看看我们身边的富豪们，大多实业起家，辛辛苦苦地筹措了一定的资金后，就开始投资房地产和金融了。

对于普通老百姓来说，别认为投资是赚快钱的捷径，也千万别拿自己的“家用”甚至是借还不起的数目来投资。我们绝对不鼓吹那种“不研究，不思考”就乱作投资的行径。我们都希望大家做一个“健健康康”的投资者！-- 消费也是同样的道理，千万要“量力而出”！

[H1N1 :(]

通常有錢人借錢不是用來消費,而是用來投資,幾乎每一家上市公司都會借錢不是跟銀行借就是透過初級市場跟投資人直接借(發行股票或債券或是商業本票)
如果是消費行為,那麼我也認同你的做法,一次現金付清而不使用信用卡循環!

這也是為什麼最近有那麼多家公司倒閉....因為借錢太多周轉不靈......所以一定要量力而為.

[dengfong]

所以說借錢也是一門學問,特別是企業的負債比與資金成本

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