00566 [What makes PAL powerful: if you can avoid repaying the debt, do not repay it, so assets can pass from generation to generation.]

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The market only rises over the long term

Clubhouse, easy talk about investing in CLEC, YouTube, May 23, 2026.

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If you have money to buy it, you'll get it!

Can't you read any more of this?

Not to mention, you're not God!

Waiting is the dumbest strategy!

Don't ask about the insurance loan! Don't use the policy to borrow it.

• You'll get your life savings, you'll get your own investment, you'll grow four zeros in a lifetime, you'll get 100 grand, you'll get a billion in a lifetime. You'll grow into a billion dollars, and you'll rot in an insurance company.

• Don't ask about the insurance loan! Don't use the policy to borrow it.

• No insurance, no insurance, no insurance. Stay away from insurance and be friends with insurance.

• If you've got insurance, you'll have to call the nearby counter immediately.

You don't need to know much about investments.

• Don't ask for a share. Don't ask me about the other markers.

• Don't ask when. Don't ask when.

• Don't ask when it'll fall. Don't ask when it's going up.

• Don't ask if it'll fall. Don't ask where it will fall.

• Don't ask if it'll go up. Don't ask where it'll go.

• It's important that the more you know, the more you buy, the more you sell.

Market volatility has nothing to do with me!

• Market volatility has nothing to do with me!

• International affairs have nothing to do with me!

• Market analysis has nothing to do with me!

• Financial statements have nothing to do with me!

• The economy has nothing to do with me!

• None of it has anything to do with me!

• Ignore the noise and swings of the market!

Investors are always extremely optimistic!

Investors always face the sunlight!

The market will ultimately rise!

Investing requires patience!

Wealth is worth waiting for!

Subscriptions, messages, presses, forwards and shares Apple Podcast. Shizuku!

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

It's a fraud against a new account. It's a fraud.

It's a fraud. Be careful. I won't contact you directly unless you ask me something.

• If we don't get "the world's money, let the world work for us." The idea of "finance" is to make life a priority.

• It is absolutely poor to put "work" "boss" "one phone call from a client" "to help the company get the order" "to get a second job" in the forefront of life.

• People who cannot invest in wealth for a long period of time are usually those who "hate money" or "go easy to make money" in light sense, which is why they put the best of money at the end, or gamble for money.

• So tell yourself, "I'm going to be the owner of the universe and I'm going to be the owner of Wall Street and Wall Street's money is mine" and "money" comes.

The response from Schwab PAL team is very clear. I'll make it up for you.

• 1. If PAL (Pledged Assembly Line) is a "co-borrower" or "Trust name"

• For example:

• • Joint PAL
• • Revocable Trust PAL
• • Irrevocable Trust PAL
• • Entity PAL

• So:

• If a survivor was a borrower/trustee/

• Yeah, you can:

• • Direct reregistration
• • Or re-inclusion PAL Paragraph

• That means:

• "The person who was originally on the PAL file" can continue this PAL.

1. If only beneficiary (Beneficial) or successor

• PAL borrower/authorized ant

• Can't just inherit this PAL.

• The demands of Schwab will be:

• ♪ We have to pay it back ♪

• • And then shut down PAL account

1. A solution that they have proposed.

• Beneficiary can:

• • Directly sold portions
• • The PAL must be repaid

• Because:

• Legacy usually has step-up basis.

• So:

• :: Costs of inherited shares

• It'll be the market price on the day of death

• So immediately when sold:

• Usually there's almost no capital gold tax.

• And then reinvest the remaining assets.

• Schwab means:

• ♪ Clean it up first ♪

• • Re-establish investment with the remaining cash
• • The new cost is the new cost

For example: QQQ is 75%, TSLA is 50%...etc

• In addition to previous email, there is anew PAL line ratio changes. We increased from previous 70% to 75% now.

• Here is the link that you can search foreach security : ARL .

• For example: QQQ is 75%, TSLA is 50%...etc

• Another way is for the inheritor (beneficiary) also to borrow from his PAL to repay the PAL due from the successor account and to take over all the vouchers without selling them.

• This will continue to allow the heirs to build up their assets without reducing (reducing) their holdings by selling them and paying off PAL’s arrears.

• Of course, over the long term you need to build the heir's (beneficiary's) own asset position so it is large enough to use a PAL stock-backed loan to repay the inherited PAL debt.

• The key is whether you can educate the next generation in investing and financial management; otherwise, they may be unwilling to use stock-backed loans to pay estate taxes and debts.

It's safe not to pay the money!

• It has a 30 million yuan estate.

• Because of the positive repayment of the loan, we now owe only 2 million yuan.

• For actively borrowing the value of the property, 15 million yuan is owed, but 13 million dollars in cash and shares!

• When the fire comes, or when the earthquake comes, and when the job is lost,

• Because of the debt of $2 million, the house has been burned down, the house has fallen, the house has been sold, the loan has been repaid without pay, and the estate has gone bankrupt!

• Because of the 13 million shares and the amount of cash available, it is possible to find jobs and rent a house for more than 10 years to solve problems!

The same thing happened to the couple holding shares. It's 30 million yuan in stock.

• A: 100 per cent of stocks held no cash.

• b: It may have 30 per cent cash because of the stock loan.

• When the market drops by 80 per cent, and when it loses its jobs, it comes to the burning of property or the collapse of an earthquake.

• There are only 6,000,000 shares left in A, and they are to be killed and sold and rented.

• B does not need to sell stocks at the lows and can wait for the stock market to recover. The 30% cash position can cover more than 10 years of expenses.

When assets are sufficient to be pledged, as much as possible should begin to be pledged, so that their assets do not lose or continue to increase their investment.

• Normally, I would advise Taiwan's friends at least 10,000,000 yuan. If you have HK$ 1,500,000 or HK$ 1,500,000 in Hong Kong, the U.S. has more than US$ 800,000 in investment accounts to consider a stock pledge, you should try to do so as soon as possible when you reach this standard!

The above amount is merely a conceptual ambiguity.

• If you don't take stock, cash is emergency.

• The first 30 percent of the capital that you took was to be allocated to the cash. In case you drop 80%, you won't be cleared.

"Buy as soon as you have money!" This is a special power!

• If you have money, you can buy it as soon as you can, you can learn, you can learn, you can learn, you can buy it!

The number of retirements is linked to a rough picture of the quality of retirements.

• The basic retirement requirement is 15 times annual expenses, which supports a modest retirement. Put 10 times annual expenses into QQQI for cash flow, and use 5 times annual expenses for a 70/30 asset allocation. Simple domestic travel is possible, but international travel is not.

• For a mid-level retirement, you need at least 20 times annual expenses: 15 times in QQQI for cash flow and 5 times in a 70/30 asset allocation. That allows one short luxury domestic trip each year.

• If you want a better life, it's 35 times the annual cost. It's a 3% asset. A long trip is available once a year.

• If you spend more than 50 times a year, you can get a good retirement. The product is allocated 80,20 to 2% of the capital and to travel abroad every year. We can do business class trips. If the product is allocated 70,30 to 3% of the capital, two trips abroad per year can be used for business class trips.

"In the first class of 2026, a billion-dollar investment seminar."

• https://youtube.com/playlist?list=PLiskER8xug1d5adCiettxa-qaras_mq4k&si=uIM4OFZPv4Kg0WpY

CLEC Investment and Wealth Management Education Academy 00451, 2024 Edition, The First Investment Lesson: Investment Life Lecture Worth 100 Million. December 29, 2023. CLEC Investment and Wealth Management Channel https://youtu.be/4FMjmyBpTzw

The market is rising so beautiful and happy.

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