00525 Reverse Mortgages and Financial Mortgages: Retirement Asset Allocation in an Era of Capital Monopoly; Has Renting Become an Exploitation Trap? | August 2, 2025 Presentation

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Document Text

The market only goes up over the long run

Clubhouse, easy talk about investing in CLEC, 2nd of August 2025.

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Apart from YouTube, please follow our Facebook, Podcast or Clubhouse channels. In this way, if one of the platforms is restricted or shut down, you can still get updates from other platforms first.

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Market volatility has nothing to do with me!

• Market volatility has nothing to do with me!

• The international situation has nothing to do with me!

• Market analysis has nothing to do with me!

• Market volatility has nothing to do with me!

• The economic situation has nothing to do with me!

• Everything has nothing to do with me!

• Ignore market noise and ups and downs!

Investing blindly without learning is dangerous

• Watch our videos and ask specific questions, including:

• I don't know, but I'm not sure I'm going to be able to do it.

• Asking questions after watching the videos is the most effective way to learn.

CLEC has no discussion groups, and we have not authorized anyone to do anything.

• We cannot know the membership or purpose of any group, and such groups can easily be infiltrated by bad actors.

Our recommended investments are mainly the Nasdaq 100 index fund QQQ and corresponding local ETFs issued in each country.

• Do not fully trust financial advisors, including Charles Schwab financial consultants. They can help open accounts, but we do not recommend fully accepting the ETFs or other financial products they suggest.

• Over the long run, Nasdaq 100 index funds and S&P 500 index funds have the best performance. Individual stocks, funds, and other financial products outside these categories usually do not help investment success and should be avoided.

We recommend investing 100% in a Nasdaq 100 index fund

• In the United States: buy QQQ, or QQQM if you have less capital. Cash can go into Money market SWVXX or short-term Treasury bill ETFs such as BIL, SGOV, and BOXX.

• In Taiwan, investors are recommended for NASDAQ 00662, and cash is invested in the US government's EF Fund, 00865B. TW, which is a multi-year debt bond.

• China investors: consider 513100/513300/160213/159941/161130/159660.

• Hong Kong investors: choose HKD 3086, USD 9086, or ETF 2834 (HKD)/9834 (USD).

• Canada investors: exchange into USD and buy QQQ directly, or use CAD products such as QQC.TO/ETF (HXQ.TO).

• Australia investors: consider buying NDQ.

• UK investors: consider the USD-denominated iShares VII Public Limited Company - iShares NASDAQ 100 UCITS ETF (CNDX.L); in Europe, consider EQQQ and the SP500 index fund CSPX.L.

• Brazil: The recently launched NASD 11 is the NASD11.

• Japan investors: choose 2568/1545/2631.

• Malaysian and Singaporean citizens: buy U.S. QQQ through a POEMS Cash Plus trading account.

• Korea: recommended QQQ ETFs include 368590.KS/133690.KS/367380.KS.

The best investment is the Nasdaq 100 index fund

• https://docs.google.com/file/d/1RMnRsR82hQGj9T7dTZqs5A9q_p4lmbwa/edit?usp=docslist_api&filetype=msword

Since 2018, we have kept all videos on YouTube so everyone can study investing in chronological order.

• The videos reflect the market conditions and appropriate investment decisions at that time. As time passes, some strategies may no longer apply, but they remain valuable learning resources.

• Viewers should think about each video in the context of the market at the time and cultivate their own ability to think and judge.

• Some of our early investment suggestions included certain individual stocks and ordinary funds. They were good choices at the time, but suitable investments still depend on personal risk tolerance and strategy.

Investors should always be extremely optimistic!

Investors should always face the sunshine!

The market will eventually rise!

Investing requires patience!

Wealth is worth waiting for!

Subscribe, comment, like, forward, and share. On Apple Podcast, remember to give five stars and subscribe to receive timely market updates.

The market keeps rising over the long run

When retirement funds are insufficient but you do not want to take investment risk, a reverse mortgage can be a stable approach.

• If you are retired and the mortgage is paid off, but you cannot use a financial mortgage because you have no income, or you do not want to take a large investment risk, you can consider using a reverse mortgage to provide cash flow so stock assets can remain invested and surplus funds can be reinvested.

• Silver's home-care address:

https://wwwap.bot.com.tw/SeniorWeb/House.html

00525 Reverse Mortgages and Financial Mortgages: Retirement Asset Allocation in an Era of Capital Monopoly; Has Renting Become an Exploitation Trap? August 2, 2025 presentation materials.

• The SinoPac Bank where I work offers ordinary mortgages and financial mortgages, starting at 2.59% for seven-year renewal loans and 2.29% for 30-year principal-and-interest mortgages, but it does not handle reverse mortgages. If students still want to ask me about reverse mortgages, I can share what I know and suggest which bank to approach. My business card is attached. Thank you.

I have nothing to do with the person in question, and we've got a lot of access to it. It's none of my business.

• The above information is entirely for your information, and Mr. Liao is simply a source of information about my old age as a home, and he thinks that some people are suitable for old age, so I know more about Taiwan’s old age as a home.

• I have nothing to do with the person in question, and we've got a lot of access to it. Everything has nothing to do with me.

My E-government website has information and application forms

• Also, please remind everyone that there are many domestic cases of elderly homeowners being defrauded of property. Fraud groups target properties with no mortgage registration. Therefore, even if an elder's bank mortgage has been paid off, I suggest not canceling the bank mortgage registration, or children can take their parents to the land office for advance registration and real-time cadastral-change notifications.

• My e-government web page contains information and applications.

• [Beeping]

• [Cadastre Instant]

• You can do that.

1. One house and one plot of land sold by one spouse, or two or more houses and plots of land

• Preventable events:

• 1. Land sold by one woman or two (or more)

• After the buyer's pre-registration, the seller will not sell it to anyone else.

• 2. Change of heart and lack of cooperation by the original owners Pass

• There are prognosis reports that the right-holder can apply to the court for compulsory application.

• 3. Mortgage or seizure in front of the client

• Rights registered through advance registration take priority over later mortgage settings or seizures.

Hello, Teacher James

• I want to share something with Teacher James and see whether you can warn people: large rental companies in the U.S. can be awful. We moved into a new townhouse after signing the lease. The interior renovation was not cleaned, and they first tricked you into signing.

• No cleaning. I lied to you first.

• Nothing's going on back there.

• Says there's solar panels.

• Says it's only $20 for garbage disposal.

• $80 for the groundwater tunnel.

• The paint is not evenly processed.

• The electricity bill is not available to Edison. There is no power access at all. That's $300.

The contract is signed with an extra +70 Internet fee. The original $3,600 house plus these fees, over $4,100.

• It's what big companies do now.

• Rent + garbage + sewage + electricity + water + network + gas

• He's the one who gave you all the details.

• I live in East LA. It's more expensive than buying a house.

• GREYSTAR THIS BIG COMPANY. He writes that the sun is not working and that he will not respond. They are very good at signing 20 pages. It's time and effort to sue them.

• I want you to know that renting is a high risk.

Looks like they're the totals, the average share. If you don't blow the air and air, you'll have to take the burden.

• Condo HOA, where we live, is $875.86 (including water, garbage, public maintenance and management). Not Internet, electricity, gas. I've got $150 to $180 a month to pay for my gas. Our Internet is $50 a month, so this part of the month totals $110.00. I don't care if I live or rent.

We are the few who are rich and happy. The following information is important.

• In the future, artificial intelligence and digital finance will become more concentrated and those who fail will fall into poverty.

• Investing in VTI, VT, SPY, or VOO can still leave you in the class of rich-but-poor people, because QQQ may plausibly return 25% in the future while SPY returns only 12%. Low return is high risk: the risk of falling into poverty.

• The top 10 per cent of the world's rich now hold 80 per cent of the world's wealth. In the future, 1% of the rich will own 80% of the world's wealth. Or a little more than 0.1% of the population owns 80% of the wealth. It's not like you're in poverty.

• We have to keep up before we can be the richest of 1% of humanity.

• You live on 70,30 bonds, you don't have to use your own cash for the fall of the market, and you insist on a 2% loan.

• Only when the market rises and rebalances smartly, keeping cash forever less borrowing and spending more than 15 years on living capital, will it be sufficient to move the excess of cash to the index for smart rebalancing.

You need to know whether your children have the ability and willingness

• There is a lack of ability to teach and a lack of will to encourage temptation.

• Growing good seeds does not grow weeds; it does not mess with hearts or weeds only if there is a sustained desire to irrigate positive energy.

If the market continues to rise in the future, the situation is 1-3. Performance is better, condition 4 and 5 (no brain rebalancing). It's a poor performance.

• If the market goes up 10 years after it fell in 2000, it's better to have four, five, no brain-balanced performances, one to three.

• The results of asset allocation and rebalancing are not determined in terms of asset allocation and rebalancing, but market decisions. We don't know the future of the market, we don't know what kind of asset allocation will work better.

• "Jealous" is not good at all.

• "Dialogue" wastes your time.

Once we know how to be capitalists, we stop worrying about money

• Even better, we don't worry about our children anymore.

• We can be happy for generations without fear.

• The right to freedom and happiness from fear.

CLEC Investment and Finance Education Academy 00451, "2024: The First Investment Lesson of the Year," an investment life lecture worth 100 million dollars, December 29, 2023, CLEC Investment Channel: https://youtu.be/4FMjmyBpTzw

The market rising every day is beautiful and joyful

Our pinned YouTube comment provides handout downloads and other related links.

• Or email me.

• [email protected]

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