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- \u00bfEs bueno endeudarse?<\/li>\n\n\n\n
- Do you agree that being wealthy takes away depression?<\/li>\n\n\n\n
- Is Forex brokers with big leverage dangerous?<\/li>\n<\/ul>\n\n\n\n
Si quieres que responda a alguna pregunta en Quora o YouTube, o est\u00e1s buscando invertir, no dudes en p\u00f3ngase en contacto conmigo<\/a>, correo electr\u00f3nico (advice@adamfayed.com) o utiliza la funci\u00f3n de WhatsApp que aparece a continuaci\u00f3n.<\/p>\n\n\n\n
Es posible que algunos de los enlaces y v\u00eddeos a los que se hace referencia s\u00f3lo est\u00e9n disponibles en las respuestas originales. <\/p>\n\n\n\n
Fuente de todas las respuestas: p\u00e1gina Quora de Adam Fayed.<\/p>\n\n\n\n
<\/p>\n\n\n\n
\u00bfEs bueno endeudarse?<\/h2>\n\n\n\n
This is a difference in mentality.<\/p>\n\n\n\n
Consider people are asked two questions:<\/strong><\/p>\n\n\n\n
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- If you could receive debt at 0% interest rates, how much would you take?<\/li>\n\n\n\n
- How long would you take to repay this debt?<\/li>\n<\/ul>\n\n\n\n
Most people would say they don\u2019t want debt, or would take just a bit, and repay as quickly as possible.<\/p>\n\n\n\n
Wealthier people are more likely to say they want to take as much debt as possible at 0% interest rates, and repay it as slowly as possible.<\/p>\n\n\n\n
That is because this money can be used to create cashflow, and in some cases, decrease taxes, depending on the tax jurisdiction in question.<\/p>\n\n\n\n
There is increasing education about the difference between good and bad debt though, as this simple graphic from Debt.org – America’s Debt Help Organization<\/a> shows:<\/p>\n\n\n\n
<\/figure>\n\n\n\n
That doesn\u2019t mean you should leverage yourself in all circumstances, or at all. I have seen many smart people go broke due to leverage.<\/p>\n\n\n\n
The big danger is that interest rates rise, and you get greedy after succeeding with leverage. Look how many promotores inmobiliarios<\/a> and investors went broke in 2008.<\/p>\n\n\n\n
They needed to sell properties, in many cases, to pay the bills, and loans sometimes got called in. So, debt needs to be used sensibly.<\/p>\n\n\n\n
The point is, not all debt is bad. It can be good, if you are careful and sensible with how you use it.<\/p>\n\n\n\n
Most people realize that getting a mortgage can be cheaper than renting, even if too few people do the full maths on that and assume that renting is just dead money, which it isn\u2019t.<\/p>\n\n\n\n
Mortgages are familiar to people, as is student debt. Using leverage to grow a business or buying assets seems less familiar, which is why fewer people use it.<\/p>\n\n\n\n
It also depends on your age. At a certain age you should want to be debt-free in most cases.<\/p>\n\n\n\n
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