如何釣金龜？

引用自：http://www.mybuddies.net/forum/forum_posts.asp?TID=5697&PN=1

Young and pretty lady wishes to marry a rich guy. Fantastic reply from a financial person
A young and pretty lady posted this on a popular forum:

Title: What should I do to marry a rich guy?

I’m going to be honest of what I’m going to say here. I’m 25 this year. I’m very pretty, have style and good taste. I wish to marry a guy with $500k annual salary or above. You might say that I’m greedy, but an annual salary of $1M is considered only as middle class in New York . My requirement is not high. Is there anyone in this forum who has an income of $500k annual salary? Are you all married? I wanted to ask: what should I do to marry rich persons like you? Among those I’ve dated, the richest is $250k annual income, and it seems that this is my upper limit. If someone is going to move into high cost residential area on the west of New York City Garden ( ? ) , $250k annual income is not enough.

I’m here humbly to ask a few questions:
1) Where do most rich bachelors hang out? (Please list down the names and addresses of bars, restaurant, gym)
2) Which age group should I target?
3) Why most wives of the riches is only average-looking? I’ve met a few girls who doesn’t have looks and are not interesting, but they are able to marry rich guys
4) How do you decide who can be your wife, and who can only be your girlfriend? (my target now is to get married)

Ms. Pretty


Here’s a reply from a Wall Street Financial guy:

Dear Ms. Pretty,

I have read your post with great interest. Guess there are lots of girls out there who have similar questions like yours. Please allow me to analyze your situation as a professional investor. My annual income is more than $500k, which meets your requirement, so I hope everyone believes that I’m not wasting time here.

From the standpoint of a business person, it is a bad decision to marry you. The answer is very simple, so let me explain. Put the details aside, what you’re trying to do is an exchange of “beauty” and “money”: Person A provides beauty, and Person B pays for it, fair and square. However, there’s a deadly problem here, your beauty will fade, but my money will not be gone without any good reason. The fact is, my income might increase from year to year, but you can’t be prettier year after year. Hence from the viewpoint of economics, I am an appreciation asset, and you are a depreciation asset. It’s not just normal depreciation, but exponential depreciation. If that is your only asset, your value will be much worried 10 years later

By the terms we use in Wall Street, every trading has a position, dating with you is also a “trading position”. If the trade value dropped we will sell it and it is not a good idea to keep it for long term – same goes with the marriage that you wanted. It might be cruel to say this, but in order to make a wiser decision any assets with great depreciation value will be sold or “leased”. Anyone with over $500k annual income is not a fool; we would only date you, but will not marry you. I would advice that you forget looking for any clues to marry a rich guy. And by the way, you could make yourself to become a rich person with $500k annual income. This has better chance than finding a rich fool.

Hope this reply helps. If you are interested in “leasing” services, do contact me.

signed, J.P. Morgan

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CEO實戰手記：嫁好老公要先買未來馬 by黃毅力 ﹝轉載﹞

引用自：http://www.metrohk.com.hk/news.php?startDate=15012008&newscat=5&newsid=65369

我們富利堡經常有一些四十多歲，身材健碩，坐?名貴房車或七人車來買車。一些靚女經紀都會問我：「佢結左婚未？」問十次、答十次都是已經結婚了。而最奇怪的是我的女同事都會問同一個問題：「點解他們的老婆其貌不揚？點解會選這樣的女人？」我的回應是：「娶妻求淑女，美麗並不代表一切。」

很多人，尤其是女性，只會看到自己的賣點，她們的擇偶條件都要求對方有經濟能力、有智慧、有個人能力和有思考力，但從沒想過這些人在「市場上」已經買少見少。

我聽過一個比喻：用不同的球類來形容不同階段的女性。十幾廿歲的女性比喻為足球，同一時間廿二人為她追追逐逐；廿幾歲的女性是籃球，只剩下10人為她東奔西跑；三十歲的女性就是乒乓球，兩個人你推我推；三十幾歲的女性就是壁球，只剩餘一人獨打；最後，四十歲的女性就是高爾夫球，把她打得越遠越好，最好一去沒回頭。

其實婚姻不應以配偶的事業、成就、身家來衡量，應該是找一個可以陪伴你長相廝守，情定終身的伴侶。很多其貌不揚、學歷與收入也不高的女士往往都能夠嫁入豪門或找到一個好老公，箇中的奧秘就是當機立斷「先買未來馬」 (Black Horse)。

但要怎樣揀選「未來馬」呢？最重要是看對方是否值得信賴及付託終身的人。可能這一刻眼前他未必成才，可能他只是擔演一個小角色，但你可以從一些細微的事上看出他將來的前景。靚仔通常無本心，因為他們多是恃寵生驕，身邊圍?狂蜂浪蝶；這樣可能令他們不能專注發展事業和腳踏實地為自己打拚。

很多成功人士，你覺得他們有型、靚仔；其實他們年少時都是其貌不揚，他們有今日的形象是因為賺到錢以後懂得打扮和「打理」的身型。與女人不同，男人的年紀越大，他們的吸引力會不斷提升。如果你要「先買未來馬」，想找到一個有潛質的男子的話，第一件事你要注意他的可持續進修能力。如果他一有時間就是打機，這個男人不要也罷；如果他用空閒時間來進修，不斷學習，這個男人就是可造之材。

第二，做人有遠見、有目標、有專注力及毅力，這種人經常與你分享將來想得到的成就，要帶給家庭怎樣的生活。同一時間，他們能夠有講有做，而不是空想空說。這樣，你犧牲少少羅曼蒂克也是值得的。

第三，時間管理。一個成功的男士，他會在適當的時候做適當的事，絕不會倒轉行。你想他多些時間陪你拍拖，還是多些時間用來發奮上進呢？如果你要他陪你、又想他前程錦繡，這個可能性是極低。時間管理是一個關鍵的要素，又不能得失你、那邊又要努力工作，所以，一定要配合得很好。

英文有句說話：『Good deal never stay long』。好多「恃靚行兇」的女性都覺得自己擁有非凡的本錢 – 美貌與智慧並重，所以，她們都喜歡Shopping around –不停地揀。就如上一篇文章的以投資角度來說，「美麗」是生命中的「負資產」，「美麗」不會隨?時間而增值。最關鍵是手快有、手慢無，好東西不會留得長，想當年我問我太太願不願意嫁給我時，她想也不想，不夠一分鐘便答應了。不過轉頭她到黃大仙求籤，問神究竟我是否嫁得過。當然，嫁不過，就沒有今日。最後，祝大家好運！


黃毅力：服務香港警隊十一年，離職時是高級督察。以九年時間將富利堡集團的業務拓展至東南亞，包括汽車買賣、維修管理、汽車工程設計，遊艇及行政人員培訓。曾就讀哈佛商學院、INSEAD及牛津管理課程。