又有另外2個人自殺了(Two More Suicides)

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http://blog.dengfong.com.tw/2012/03/2two-more-suicides.html

如果你發現自己陷入麻煩，要謙卑，花點時間寫下自己所犯的錯誤，以及為何犯下這樣的錯誤，接下來就趕快尋求專業的協助。

看到羅伯特清崎先生的友人夫妻檔自殺(詳下方原文轉貼)，不禁想起我也有2位友人在前後10年裡因著幾乎相同的原因而自殺，我這2位友人自殺時皆未留下遺書，一位留下3個幼齡子女，一位留下2個稚齡子女，讓5個小孩在年幼時即失去父愛，也讓2位太太獨自背負沉重的經濟與精神壓力。我不知道，假如他們知道最後會是這種結局，他們還會選擇當初所做的事情嗎?

到底當初他們做了什麼事呢?遭致最後選擇這條不歸路?且讓我一一述說。

10年前這位友人大哥是一位證券業務員，待在證券公司多年，也做到了中階主管，待在證券業，自己交易點證券也不足為過，不過賺的薪資有限，又想憑藉自己的專長在股市賺多一點，因此他使用了融資與當日沖銷這個證券交易方式，豈知非但沒有賺到錢，反而將自己的本金都賠光了，在各種正當借錢管道都用盡後，最後轉向地下錢莊借錢，但是老天爺始終沒有給他翻身的機會，最後逼得老父親賣掉未來要給他們的祖傳農地來還欠地下錢莊的錢，只是這樣仍沒有打消翻本的念頭，再次向地下錢莊借錢，一段時間後，債務仍然是愈滾愈大，在走投無路的情況下，選擇自殺一途。第二位友人是一位專職的股市玩家，在股市打滾10多年，10多年來，有賺有賠，只是賠的時候居多，也是把農地抵押給銀行，數百萬的抵押借款也是有去無回，失去了農地後，仍然不死心，到處籌錢想東山再起，在長期的經濟與看盤壓力下，也是突然的自殺了，他投資股票的方式也是使用融資與當日沖銷。

在2個不同的環境下，2位友人做著相同的事情，最後走上同樣的結局。其實，他們有完全不一樣的選擇，他們不需在股市獲利也能生活下去，之所以會使用融資與當沖，我想很大的因素是:賭一把。試想，有誰能夠真的看得其準，知道這檔股票今天會上漲，明天那檔股票會上漲，假如真有這樣的人，他老早就超越股神巴菲特的績效了，巴菲特也一直不斷的對投資人說明，他無法預測短期的股價走勢，巴菲特並不是靠當日沖銷賺錢的，他有許多取得資金的方式，且成本都非常低廉(甚至趨近於零)，所以他也不需向券商融資來買股票，更何況，他的公司隨時都有數百億的現金，當遇到股價遠低於公司內在價值時，便可以大量買進，巴菲特做的是投資或者說是經營事業，可是這兩位友人做的是賭博啊，同樣是買進股權，因為想法與做法不同，就有了天壤之別。

生命是無價的，當你徘徊在十字路口感到無助、無望或難過時，請記得撥「1995」生命線電話，我們將陪伴你渡過難關。

羅伯特清崎先生原文
Two More Suicides

A few years ago, in an earlier Conspiracy of the Rich (COR) Update, I wrote about three suicides and two arsons in my neighborhood.
Sadly, there were two more suicides recently in my neighborhood. The economy has claimed two more people. This time, the two people are friends of mine. They were good people, and I miss them.
My two friends were a married couple. He was a famous radio personality, and she was active in high-end charities. They were leaders in our city.
Why the suicide, no one really knows. I do know they were in financial trouble due to the real estate crash. Just how deep they were in trouble, I don’t know. I also heard they had medical problems, which added to their financial problems. Both were my age.
Last year, Richard Duncan, who writes a blog on the Rich Dad site, warned me about this type of personal tragedy. Richard explained that millions of people are living on savings and reserves. If the crisis lasts longer than their reserves, the real personal crisis appears. It seems this is what happened.
After the crash of 1929, there was a saying that went, “Watch out for falling bankers.” When the stock market fell, so did bankers. They could not face their losses.
In the 2007 crash, there were fewer bankers committing suicide. This is because our government is bailing out the bankers with bonuses.
Unfortunately, you and I do not get bailed out.
If you are in trouble financially, or have friends and loved ones in trouble, please seek professional help. There are agencies set up to assist you in dealing with your financial problems.
Money is not worth dying for. I know, because years ago, while nearly a million dollars in debt, suicide was an option. Rather than run, rich dad suggested I write down all the mistakes I made and then seek help. If I made accounting mistakes, I talked to an accountant. If there was a legal mistake, I talked to an attorney. That was my way out. That is how I got smarter.
These are not ordinary times, and I’m afraid the crisis is going to get worse.
If you find yourself in trouble, be humble, take the time to write down the mistakes you’ve made and why you made them, and then seek professional help.

(譯:如果你發現自己陷入麻煩，要謙卑，花點時間寫下自己所犯的錯誤，以及為何犯下這樣的錯誤，接下來就趕快尋求專業的協助)
Even if you are in financial trouble, these are times to get smarter, not to despair.
Take care of yourself, and thank you for supporting COR.
Robert Kiyosaki

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