CLEC Investment & Wealth Database00556 [Why not repay stock-backed loans? The larger your assets, the more money you can use each year.]
00556 [Why not repay stock-backed loans? The larger your assets, the more money you can use each year.]
![00556 [Why don't you pay back the stock? The bigger you get, the more money you get every year!] cover](/images/database/presentations/2026/presentation-00556-2026-03-14-00556-2026-3-14-pptx/cover.en.png)
Related Materials
- Previous presentation: 00555 [From worker to capitalist: boarding the ark of capitalism.]
- Next presentation: 00557 [If the market falls 80%, can you still hold on? The key is asset allocation.]
Document Text
The market only rises over the long term
Clubhouse Easy Investing Chat, CLEC Investment and Wealth Management Channel.
Next week the United States returns to summertime, so Saturday's Clubhouse is 7:00 a.m.
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Other countries around the world that have not adjusted their time to maintain their time, Taiwan is still Saturday night at 10 p.m.
Market volatility has nothing to do with me!
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Market volatility has nothing to do with me!
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International affairs have nothing to do with me!
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Market analysis has nothing to do with me!
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Financial statements have nothing to do with me!
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Economic conditions have nothing to do with me!
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None of it has anything to do with me!
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Ignore the noise and swings of the market!
Disclaimer
Our videos and related content are for educational purposes only and are not for profit. We do not have any discussion groups or communities. If anyone invites you to join one, please beware of scams.
For more than twenty years, we have been committed to volunteer teaching and have never profited from it. Do not trust any paid investment advice. Although ads may appear on YouTube videos, that is outside our control and we do not profit from it.
All information we provide is only a sharing of personal experience and is not advice from a Certified Financial Advisor/Planner. Investment decisions should be based on personal research and should not rely only on video content.
Investing carries high risk and may lead to significant losses. If you cannot tolerate a loss of more than 10% in the short term or a decline of more than 20% over several years, we recommend that you do not invest. Please protect your cash flow and act only after fully understanding our investment philosophy. Invest carefully; every decision is your own responsibility.
My pinned comment in the YouTube comments section provides the handout download and related links.
Investors are always extremely optimistic!
Investors always face the sunlight!
The market will ultimately rise!
Investing requires patience!
Wealth is worth waiting for!
Subscribe, leave a comment, tap 👍, and share. On Apple Podcasts, remember to give five ⭐. Subscribe to receive timely market updates.
The market keeps rising forever; it only rises and does not fall
Beware of this scammer on Clubhouse
This ID is a scam account; they often change IDs.
Beware of this scammer on Clubhouse
This is a new scam account. The ID is fraudulent, and they often change IDs.
It's a fraud. Be careful. I won't contact you directly unless you ask me something.
@Gin-z4t 27 minutes ago
- Teacher, I've just said that after 5-10 years my assets have grown big, and if I owe HSBO 100 w, I'll put 200 w, and I'll redo the rest, and I have a question, so if I'm done with 433, why don't I just return 100 w, I'll redo 433, and I'll have 100 w more, so I'll have a higher utilization rate.
If you start with 433 and borrow 2% a year, for years there's no need to do any more auto-direction!
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If you're going to change the amount of money after a few years, you're going to have to double the amount you owe in cash, and then make 433.
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Why not repay it? Suppose you started with 1,000,000 and used 2% per year. After a few years, your assets have grown to 5,000,000.
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If you owe 1,000,000 and repay it, you have 4,000,000 left, so 1% or 2% is only 40,000 or 80,000.
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If you do not repay it, you still have 5,000,000 in assets, and 2% gives you 100,000 per year. If you repay it, you have only 4,000,000 in assets, and 2% gives you only 80,000 per year.
Investing is not learning what to do!
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You should learn to do nothing!
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You'll learn nothing!
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In Taiwan, wherever you are, you want to see a child or a child going home, you don't need to be on a plane for more than 13 hours. We'll be home in four hours!
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Children go abroad, but if you want to see them or go home, you'll have to leave in less than 10 days on a 13-hour plane plus a hotel!
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The external economy is important.
@sharonlee1022 - 5 hours ago
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Teacher, please ask how it's better to give a child $20,000 a tax-free year, like Zelle for 3500 days at $5,000/month.
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James: Children should open Charles Schwab custodial accounts, and they should sign a full power of attorney authorizing their parents to oversee the accounts and buy or sell shares.
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So you can transfer money from your Charles Schwab account to the children's custody account.
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We can exchange cash and stock!
"He who understands doesn't talk!" "He who speaks half a bucket!"
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Life is practice!
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"He who understands doesn't talk!" "He who speaks half a bucket!"
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Half a barrel of water, for an hour, the wise man has nothing to say!
Four hours ago.
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@lesliexxx7176
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Four hours ago.
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Take notes.
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The house is not a good asset and the cash is the bank's inventory.
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Why do mortgages or mortgages last up to 30 years and pay off every month?
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The houses will become older, require regular maintenance, lose damage in the event of a disaster, are difficult to repair, and it is not cost-effective for banks to acquire old houses. After 30 years, the house is broken, the bank doesn't want it! The factory is extremely risky for individuals and banks!
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Thus, the principal and interest of the mortgage or mortgage will be repaid.
The bank's inventory is cash. So, you borrow money from the bank.
- Credit loans are based on your credit rating, which is generally for a few years. A few years later, you still have credit, work, steady cash flows, banks don't know.
So credit will be broken.
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But stocks can be pledged for loans. With stock-backed loans, banks or brokers can liquidate the shares immediately, so they are unlikely to lose. For them, stocks are highly liquid and secure assets. If you do not repay, the bank can sell the shares at any time.
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So stock-backed loans do not necessarily need to be repaid. Banks are happy if you do not repay; why rush to repay? Repayment increases the bank's cash holdings, which can affect its performance and profitability.
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The bank's inventory is cash. So, you're a big client of the bank.
@giannazhao an hour ago
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Can you buy him QQQ for the kids' money?
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Of course! But how do you keep the tradition of red bags?
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Tradition will never be more precious! Do you want a child to remember the joy of a red bag or simply forget that you gave him a QQQ, that's just your money transfer, and it doesn't mean anything to his life!
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Red bags, birthday presents, birthday parties, Valentine's Day, Father's Day,
Success requires a belief!
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Capital allocation is the backbone of faith.
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It's the end of the world!
CLEC Investment in First Class of the 00451 School of Education: 100 million dollars worth of the CLC Investment Life Seminar on 29 December 2023
The market rises every day. It is wonderful and joyful 🍂🌷🌹🌸🌼🌺🌻 🌞💫✨🌟🌈🌈❤
Our pinned comment in the YouTube comments section provides the handout download and other related links.
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or email me.
00555 [From worker to capitalist: boarding the ark of capitalism.]
00555 [From worker to capitalist: boarding the ark of capitalism.]
00557 [If the market falls 80%, can you still hold on? The key is asset allocation.]
00557 [If the market falls 80%, can you still hold on? The key is asset allocation.]