我2019年那会儿，手里攥着点积蓄，心痒痒的，总琢磨着得投点啥。国内的房产限购限贷，水太深；股 市？P2P的阴影还没散呢，心有余悸。就在这时候，鬼使神差地，我接触到了北京卓尔地产推的一个金 边项目——逸园。说实话，当时那个产品设计，听起来简直像天方夜谭：买套房，附赠个啥万能险，五 年后这万能险到期，能把购房款全！额！返！还！房子还白落你手里！相当于五年白得一套柬埔寨首都 的房子？ 这人呐，尤其是像我这种有点闲钱又总想钱生钱的城市中产，最容易掉进啥坑里？房产投资！甭管是国 内还是国外，听着高大上，宣传得天花乱坠，可一脚踩进去，是金矿还是泥潭，不到最后真说不清楚。 我最大的心愿？无非是投出去的钱，能安安稳稳地回来，最好还能有点儿增值，别打了水漂就谢天谢地 了。 我的天！这事儿任凭跟谁说，谁不得斜着眼瞅你，心里嘀咕："又一个上当的冤大头来了？"连我自己都 觉得不靠谱！可你说邪门不邪门，当时不知道哪根筋搭错了，在销售一通"专业"分析（后来想想可能就 是话术）下，我居然就……签了！买完回家，心里那叫一个七上八下，越想越觉得悬乎。 租金收益喜人：自从22年底拿到房子，我就没让它空着。委托卓尔在当地的管理团队出租，租金收益 ...

Core Viewpoint - The article discusses the importance of financial independence for women and the foresight of mothers in safeguarding their daughters' financial futures through property ownership and management [1][3][15]. Group 1: Financial Strategies - A mother transferred ownership of 9 valuable properties to her daughter to protect her from potential financial risks associated with her husband's business failures [1][3][15]. - The daughter was initially unaware of the significance of this transfer until her husband faced financial difficulties, highlighting the mother's wisdom in planning for unforeseen circumstances [6][15][19]. - The article illustrates multiple instances where women benefited from property ownership that was kept secret from their husbands, allowing them to maintain financial stability during crises [10][19]. Group 2: Relationship Dynamics - The narrative emphasizes the sensitivity of financial matters within marriages, showcasing how financial dependency can lead to conflicts and stress [8][12]. - The experiences shared reflect a broader societal trend where women are encouraged to secure their financial futures independently of their spouses [10][19]. - The article suggests that traditional views on marriage and finance may need to evolve, as women increasingly recognize the importance of having their own financial assets [6][15].

Core Viewpoint - The article discusses the comparison between real estate investment and stock market investment, highlighting the significant returns from real estate over a 16-year period while also emphasizing the importance of individual investment capabilities and market conditions [1][2]. Summary by Sections Investment Returns - A real estate investment made in June 2009 for a total of 1.83 million (including renovation) yielded a return of 6.43 million by May 2025, resulting in a 3.5 times increase and an annualized return of approximately 8.2% [1]. - In contrast, the CSI 300 index increased from 3166 to 3874 during the same period, showing a much lower growth rate [1]. Investment Capabilities - Individual investment abilities vary, and during the period from 2009 to 2025, there were numerous high-quality investment opportunities in China, such as trusts and convertible bonds, allowing informed investors to achieve annualized returns of around 10% [2]. - The CSI 300 index does not represent the overall stock market performance; for instance, the Wind All A index rose from 2500 to 5071, more than doubling [2]. Leverage in Real Estate - Real estate allows for significant leverage, which can amplify returns during a rising market. The author reflects on the missed opportunity of leveraging more when purchasing property [2]. Emotional Value of Homeownership - The emotional value of owning a home is substantial and cannot be quantified in monetary terms. The author expresses a deep attachment to their home, despite having lived there for less than two years [3]. Selling Strategy - The article outlines a successful strategy for selling a property quickly, which includes reasonable pricing, enhancing the property's appeal through aesthetic improvements, and effective communication with real estate agents [4][5][6][8][10]. - The importance of a well-prepared promotional document and clear negotiation strategies is emphasized to facilitate a swift sale [8][9]. Market Conditions - The author notes that the current market is a buyer's market, and quick sales are advantageous to avoid prolonged holding periods that could diminish value [10][16]. Conclusion - The process of selling a home is not merely a transaction but a significant life event that carries emotional weight and memories, marking a transition to new opportunities [12][13].

Group 1 - The core viewpoint of the article is that stairway apartments are increasingly favored by young affluent individuals in major cities due to their advantages in location, mature amenities, and safety [2][4][5] Group 2 - Advantages of stairway apartments include prime location, which is crucial for convenience in shopping, schooling, and commuting, making them more resilient in value appreciation [4][5] - Mature amenities in older communities provide essential services like supermarkets, hospitals, and schools, enhancing the living experience compared to new developments [5] - Safety is a significant concern for buyers, as stairway apartments avoid issues related to elevator malfunctions, especially in emergencies like earthquakes or fires [5] Group 3 - Wealthy individuals are drawn to stairway apartments for their investment potential, as they are generally lower in price and offer better value, particularly in core areas with high appreciation potential [7][9] - The possibility of redevelopment and compensation in core areas makes stairway apartments an attractive investment, as they can yield significant returns if the property is redeveloped [9] Group 4 - To select quality stairway apartments, buyers should focus on properties in good locations near shopping, schools, and public transport, as well as those with well-maintained environments [11][12] - Preferred floors are typically between the 2nd and 4th, balancing light and accessibility, while ensuring the structural quality of the building is sound [11][12]

很多人纠结买房，到底要不要购买顶楼带露台的房子。其实关于这个问题，我也有和大家相似的感受。 当初买露台的顶楼，全家人都极力反对，说住顶楼各种不好，但对于我这个已经在顶楼居住过的人来说，购买带露台的顶楼，我一点都不后悔！ 今天，小万就和大家聊聊我为什么要买顶楼带露台的房子，以及如何解决住顶楼的相应一系列问题？ 01、为什么买顶楼带露台房子 都说顶楼有漏水、冬冷夏热等缺点，我其实买顶楼有几个原因： 1、价格实惠，性价比更高 顶楼带露台的房子性价比更高，一般同一栋楼，顶楼相比其他楼层，价格起码便宜10%-15%，这笔钱完全可以用来解决后续的装修改造问题，感觉特别 值。 3、投资潜力大 随着城市的发展和人们对生活质量的追求，顶楼带露台的房子越来越抢手，像我购买的这个顶楼，位于城市核心区，周边配套设施完善，什么医院、商 超、名校、地铁站…一应俱全，这样的房子未来保值增值潜力更大。 2、隐私性高、独立的私人空间 顶楼的房子通常远离地面的喧嚣，没有楼上邻居的打扰，当然也不会打扰到邻居。提供了更多的隐私和宁静。而且露台作为私人空间的延伸，可以成为享 受个人时光的理想场所。 2、采光视野好，呼吸新鲜空气 顶楼的房子通常能够获得 ...

Core Insights - Investors from New South Wales (NSW) are increasingly purchasing properties in Melbourne, particularly in the outer suburbs, due to lower prices compared to Sydney following interest rate cuts [1][3] - The rental market in areas like Tarneit, Hoppers Crossing, and Werribee is performing strongly, with rental prices increasing by 6.8% in Werribee and 6% in Hoppers Crossing and Tarneit over the past year [3][5] - The proportion of NSW buyers in Victoria has risen to 16% in the first quarter of this year, up from 15.3% in the same period last year [3][4] Market Trends - The average budget for most NSW investors is between AUD 500,000 and AUD 650,000, often leading them to purchase properties through off-market listings and auctions, which can disadvantage first-time buyers [4][5] - Recent sales include properties in Hoppers Crossing and Werribee sold to NSW investors for AUD 580,000 and AUD 607,500 respectively, indicating a trend of seeking affordable investment options [5][7] - The influx of NSW buyers is noted to be particularly strong in areas like Reservoir and Thomastown, where rental yields are attractive, with some properties being purchased without prior inspections due to confidence in Melbourne's stable property market [7]

我病还没好呢，今天一天在床上昏昏沉沉，晚上寻思要上钟了，喝了点退烧药人才精神起来。人这身体真就是一台精密仪器，37.5度的时候我感觉自己啥 事没有，烧到38.2的时候整个人就蔫了，哪哪都不对。就差这1度都不到，整个人完全两种状态。所以碳基生命是真的脆皮，适应性这么差，离开了地球 这个温室又能走多远... 昨天有读者留言问北京房价回调，我买的房子亏没亏？ 我是2016年5月份买的，总价1400，各种税费+封阳台差不多100，当时贷款900，利率优惠85折，4.16%左右。房市好的时候小区同户型成交2000左右，最 新成交已经跌到1600-1700。 如果纯看房价的话没亏，但我交了7年的月供，其中单单利息部分就是250左右，所以我的真实成本是1750，这样算就亏了。 但话说回来我们全家2018年搬进去，整整住了6年，这6年折算成房租的话是180左右，把这个加上去的话可能还微微赚一点。 所以这笔账最科学的算法是：房价（含税费）+历年月供中的利息-历年房租市场价=真实的财务成本。 按照我的估算，205-2016年买房的人目前普遍是微利或者保本状态，已经谈不上赚钱了，若是再以目前的趋势跌1年，2013-2014年上车的 ...

昨晚的文章发出后，有东莞的网友说李嘉诚在当地开发的海逸豪庭，是一个持续多年的项目，拿地成本很低，就算打折卖依然是赚钱的。 我去网上搜了一下，确实，1999年拿的地，然后就一直闲置在手里不开发。甚至2006年的时候因为长期闲置被政府追加过一笔7915万的罚款，可即便交了 罚款，依然开发的很慢，墨墨迹迹拖到2024年依然没有卖完。 这还真就是李嘉诚做生意的风格，之前在北京、上海、广州、重庆、成都也因为拿了地后拖着多年不开发而搞到天怒人怨，真的是一个重利益，责任感淡 漠的商人，也难怪乎社会口碑不好，一直有人对他骂骂咧咧的。 政府把地卖给开发商当然是希望尽快开发建设，李嘉诚捂盘不卖本质上就是拿着筹码让别人给自己抬轿，假如开发商都像他这样，中国的城市化进度连现 在的1/3都没有。 通常富豪的资产达到一定程度后，或多或少会希望得到社会的正面评价和历史肯定，像他们李家首富那么多年，行商还这么锱铢必较，真不多见。很多时 候我都佩服老李头的战略眼光和风险意识，但真不喜欢他这个人。 …… 这几天看到一条新闻，可能在未来具备一定的普遍性。 事情讲的是北京某个老旧小区2018年的时候加装电梯，总成本65万，政府补贴30万，电梯公司自 ...