投资理财 (新手篇)

losthorizon · Apr 11th, 2006, 14:36

从来觉得没有什么钱要做什么投资理财的，走到哪里，化到哪里，P都没剩。恍然间已经半截入黄土了，想想是不是该为下半辈子做点打算了。如果你跟我差不多，就在这里一起共勉吧。

银行里有点钱，怎么办？利息实在太低，总得干点什么吧。现在唯一知道的就是GIC，所以昨天先去银行，把一半钱先买了GIC，其它再研究。现在的利息还不错：今天在TD的美金3月GIC拿到4%

接下来就请他们帮我找个Finance Advisor，看看Mutual Fund，股票什么的。

losthorizon · Apr 11th, 2006, 14:43

以前去租车，居然闭着眼睛说，把该买的都买上，省得操心。俺都不知道自己手上还有这卡，TNND。
强档组合！td elite金卡+select service+us borderless plan
TD Gold Elite Visa Card

losthorizon · Apr 11th, 2006, 14:47

想买个终身储蓄式的人寿保险，抽烟和不抽烟差多少？要差得多的话，就先戒烟？
人寿保险咨询

losthorizon · Apr 11th, 2006, 20:48

引用:

作者: 安全第一

1。买RRSP 2。买Mutual Fund 3。买房子 GIC的回报不如Mutual Fund及房子。

谢谢！新来的，还不可以买买RRSP.房子对我们不合适，也接受不了在市场高时入场。接下来就准备买MF。听说加拿大的股票已经太高，准备买美国的，如何？

1. 你说得有一定道理。2. 找FA建议找以咨询收费为生的而不是以卖"产品"为生的，但前者很贵。3. 对于小投资者，我一直以为关键的不是"赢"，而是首先保证"不输"，但如果你没有一定的知识和经验贸然投资"输"是必然的。 -pigking(铁头猪王); 4.8 14:06 (#2893006@0)Reply

这么说不化时间，或者搞不懂的都不用投资了？我不可能化很多时间，也不可能搞懂的，因为我根本没兴趣。咋办？

losthorizon · Apr 12th, 2006, 14:06

Some books I recommend to you:
------------------------------------------------------------------
by ceei (会挣钱的猪) at 2006.4.7 23:28

Please be sured you have already read the book 'the naked investor' BEFORE talking to any financial advisor!!! -ceei(会挣钱的猪); 4.7 07:54 (#2890229@0)Reply http://www.chapters.indigo.ca/books/...Naked+Investor

＜本文发表于: 相约加拿大:枫下论坛 www.rolia.net/forum ＞
Financial Freedom without Sacrifice: How to Cut Expenses, Invest and Increase Security by Talbot tevens (ISBN: 0969687303, $19.99 - contact author at 1-866-231-2721).
Comment: It is the simplest and easiest book to read about financial planning that I have found.

The Wealthy Barber by David Chilton (ISBN: 0968394736, $16.95).
Comment: It is excellent for absolute eginning savers.

The Pension Puzzle: Your Complete Guide to Government Benefits, RRSPs and Employer Plans by Bruce Cohen and Brian Fitzgerald (ISBN: 0470834307, $18.89). [ 相约加拿大:枫下论坛 www.rolia.net/forum ]
Comment: Investing for retirement.

Winning the Tax Game 2005: a Year-Round Tax and Investment Guide for Canadians by Tim estnick (ISBN: 0470836113, $18.89).
Comment: Easy to read, well laid out, good chapter names and good headers throughout the chapters.

Learn to Earn: A Beginner's Guide to the Basics of Investing and Business by Peter Lynch and John Rothchild (ISBN: 0471180033, $30.45).
Comment: For beginning investors. ＜ r o l i a. n e t ＞

Bogle on Mutual Funds by John Bogle (ISBN: 1556238606, $27.96).
and
The Future for Investors by Jeremy Siegel (ISBN: 140008198X, $27.96).
Comment: An investor who has read either or both of The Future for Investors or Bogle on Mutual Funds would be prepared to do well in investing in the U.S. markets.
{ 枫下论坛 www.rolia.net/forum }
Other 3 books on 3 different investing style, you could pick one to read depending on which style suit you (I recommend indexing):

Investing in stocks: One Up On Wall Street and Beating the Street by Peter Lynch (ISBN: 0671891634, $22.50).

Index investing: The Power of Index Funds: Canada’s Best- Kept Investment Secret by Ted Cadsby (ISBN: 0773760830, unavailable) and A Random Walk Down Wall Street by Burton Malkiel (ISBN: 393325350, $18.90).

Dividend investing: Beating the Dow: a High-Return, Low-Risk Method for Investing in the Dow Jones Industrial Stocks With as Little as $5 by Michael O’Higgins (ISBN: 066620473, $22.95). ＜相约加拿大 ROLIA.NET ＞

The above comments were from some famous financial writters. Hope the list can help you bit.

＜本文发表于: 相约加拿大:枫下论坛 www.rolia.net/forum ＞

REPLY 话题版权声明关闭窗口

本页网址:
http://www.rolia.net/forum/forum_sho...=20&_cno=2350&

losthorizon · Apr 12th, 2006, 14:21

FYI - Tax Treatment of Mutual Funds for Individuals http://www.cra-arc.gc.ca/E/pub/tg/rc4169/rc4169-05e.pdf -ceei(会挣钱的猪); 4.4 13:29 (#2884025@0)Reply

多谢。总结一下.....
-------------------------------------------------------------------------
by pigking (铁头猪王) at 2006.4.4 17:22

MF报税:
1. T3/T5按要求报。
2. 另外单独计算Capital Gain/Loss。我MF的Broker是CIBC，报税前收到MF的Statement，Capital Gain/Loss = Credit - Debit。

补充一下计算ABC的公试:ACB=
-------------------------------------------------------------------------
by jim366 (金) at 2006.4.4 22:29

ACB=your initial investment + additional investments + reinvested distributions- any return of capital distributions - adjusted cost base of any previous redemptions.

其中return of capital distributions 是基金公司分摊给投资人来报税的CAPITAL GAIN,在收到的T3中的BOX 42就是这一项.

建议大家还是在每次派息时自己计算一下ACB存档.当投资股票或MFUNITS转让给配偶时,根据ROLLOVER的原理,这种原始ACB的存档尤其重要.BROKER提供的数据有可能在转让时丢失或变化.

Be careful on mutural fund capital gains!
--------------------------------------------------------------------------------
by ceei (会挣钱的猪) at 2006.4.4 09:50

If you own mutual funds and you automatically reinvest the income you earn each year, don.t forget to take this into account when you sell the fund and calculate your capital gain or loss. For example, if you invested $1,000 in a mutual fund, and then sold it for $2,000, it may appear as though your capital gain is $1,000. However, if you have reinvested $400 income from the fund, your capital gain is only $600. This is because your total investment is really $1,400 (the original $1,000 plus the reinvested income). You already paid tax on the $400; if you forget about it when calculating your capital gain, you will end up paying tax on it twice!

I know this issue had been a common sense for a lot experience investors but some people are still massing up on this matter. My friend is filing a ajustament return to get money back!!!

losthorizon · Apr 12th, 2006, 20:21

最好的投资应该还是把小孩教育好。我有两崽，好像Manners不够好。可能跟我这个野蛮人有关。深感不能通过言传身教来教好他们。想请专门的老师来教/改善性格等等。比如每个礼拜去一二个小时。$50/$100都可以。请问哪里有，上哪里找这样的Program/老师？

losthorizon · Apr 12th, 2006, 22:23

引用:

作者: wide6

疯啦？

不开车，改理财了？

呕，你还是个专业盔甲？我们现在的会计石好像不是很主动。有机会找你聊聊。

losthorizon · Apr 15th, 2006, 08:30

2、投资GIC是次大风险，去除年平均5％的通涨，你的回报是负的。
这是知道我要干什么前的权宜之计。
3、投资股市最安全，北美股市从诞生到现在任何一个10年段的回报都是正的，所以只要你持股足够长，股价现在的高低不是问题，但一定要是优质公司。
我就想用这种方法。同样的在中国适用，所以中国的股票市场再有问题，我还是在前年１３００是进了点。我坚信中国要发展，股票市场的问题迟早要解决。
4、要学会借钱生钱，靠工作攒钱投资永远发不了财。
这个还不敢，发财还太遥远。

losthorizon · Apr 17th, 2006, 09:56

引用:

作者: 猪肉妹

去教堂吧，免费。

好主意啊！值得考虑。会不会给洗脑啊？

losthorizon · Apr 18th, 2006, 15:36

提醒专做Contractor的同学们一定要Incorpate($700~800 one time)，然后再请专业的会计师做帐($700~800/per year)。我刚来时不知道，今年报税下来吃了大亏。

losthorizon · Apr 18th, 2006, 17:25

引用:

作者: cdmooner

'$700~800 one time' 是指的什么？
能不能说说亏吃在哪里？
谢谢！

注册Incorprated的公司费用大概是$700~800，注册一个Business(Solo/无限公司？)的费用是$80。Inc.公司收入算公司，交公司税18%，然后给自己发多少薪水可以控制。Solo公司收入算个人，交个人税，超过7万1就是36%。

losthorizon · Apr 19th, 2006, 14:54

看这里新手很多，很多问题集中在如何开户，开那个好等等
我看我还是在TD Waterhouse开个帐户，反正不会做短线的，手续费高低差不了多少。直接找银行，然后自己选几个Mutual Fund先玩玩。也不用找代理了，那些人无非就是从我们这里挣钱而已。从来都不觉得那些人能比我聪明多少。

losthorizon · Apr 19th, 2006, 14:54

美股交易攻略〔初学者〕
请各位大虾解释一下基本概念

“PHD 需要读5年，如果你用5年时间来研究，并实践股市，估计你已经赚回百万美金了。” --- by someone

投Y者的箴言

losthorizon · Apr 19th, 2006, 16:20

请DX推荐适合于RRSP的股票, 长期保持
这类的股票比较适合我。

Loblaw: L
Shoppers Drugmart: SC
td bank:TD
BCE
CIBC 和TD Bank 都推荐本人买他们的 Monthly Income Fund
ROYAL BANK, INDEX FUND(ETF), BOND FUND

长线黄金股

losthorizon · Apr 20th, 2006, 15:25

私宅价格首季再升1.5％新加坡房价已经从低谷走出。

Canadian Dollar --> Singapore Dollar 加元对新元超高。

前年来之前就想买一个Condo出租，可惜拍卖时价已经上涨了五万，没下决心。都是因为要走，怕麻烦。顺便请问，如果我买个Condo，是不是他们会给我延长PR？我们的明年一月到期。

losthorizon · Apr 20th, 2006, 16:51

税太高，增值部分要交50％税，不如投资住宅。 -lansilver(蓝银); 16:44 (#805684@9)

losthorizon · Apr 21st, 2006, 09:57

引用:

作者: cmh

何出此言?

http://www.rolia.net/forums/forums_h...57524&forum=9&
税太高，增值部分要交50％税，不如投资住宅。 -lansilver(蓝银); 4.20 16:44 (#805684@9)Reply
又是税！加拿大这穷疯了的政府，自己不会挣钱，就靠盘剥人民，真TMD丢脸！住宅增值部分要交税多少？算个人Income？ -3amigos(孤独求败); 4.20 16:53 (#805710@9)Reply
业是５０％ -maple88(I枫叶); 4.20 16:55 (#805721@9)Reply
那为什么说“不如投资住宅”？店铺出租要比住宅容易管，一般是P事没有。而且收租相对高点。 -3amigos(孤独求败); 4.20 16:57 (#805729@9)Reply
不知道他的意思，不过严格地说，是５０％的收益拿出来打所得税才对 -maple88(I枫叶); 4.20 17:06 (#805752@9)Reply
明白了，这个容易，拿出来当年不给自己发工资就行了。对不？ -3amigos(孤独求败); 4.20 17:14 (#805774@9)Reply
商铺较复杂，涉及TMI等因素。眼光要准，地段不好生意不好的租赁客可能没有钱交租金，而住宅房总出租的出去。 -lansilver(蓝银); 4.20 17:14 (#805772@9)Reply
什么是TMI？你说的也对，地段永远是最重要的。我住的Yonge&Finch一带很不错。30万不到的Condo租金$1800左右，如何？ -3amigos(孤独求败); 4.20 17:17 (#805779@9)Reply
地段好的不依靠租金升值，投资的是它的地段。1800扣除贷款管理费，也就几百元吧。TMI是tax,maint, insurance. -lansilver(蓝银); 4.20 17:22 (#805791@9)Reply
所以我觉得最好还是买基金，股票。怎么也有9~10%一年。房子不一定有这么好回报，而且如果象我这样的人老搬来搬去的话，很难挣钱。 -3amigos(孤独求败); 4.20 17:29 (#805811@9)Reply
如果你只有一栋住宅，那就不必担心增值税的问题了。 -melodymeng(梅络笛・梦); 4.20 16:57 (#805726@9)Reply
想起来了，好像Account提过这事，说是第一个住宅可以。那时我问是否应该用公司的名义买房。答案是否定。 -3amigos(孤独求败); 4.20 16:59 (#805733@9)Reply
是自住房的capital gain 不交税，你买10个房，每个卖之前都搬进去住两年，就统统不交税了 -zxcvb(朝天椒); 4.20 17:09 (#805758@9)Reply

losthorizon · Apr 21st, 2006, 15:08

4月23日 (星期日)11:30am 看银行拍卖房，遗产房，离婚房，自住房，投资房，空地，Farm。集合地点：Leslie/Finch 东北角阳光超市门前；予订电话 416 888- 3483， 416 893-2498 Lily。

losthorizon · Apr 24th, 2006, 13:53

Beat the Taxman

Apr 11th, 2006, 14:36	#1
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1	投资理财 (新手篇) 从来觉得没有什么钱要做什么投资理财的，走到哪里，化到哪里，P都没剩。恍然间已经半截入黄土了，想想是不是该为下半辈子做点打算了。如果你跟我差不多，就在这里一起共勉吧。银行里有点钱，怎么办？利息实在太低，总得干点什么吧。现在唯一知道的就是GIC，所以昨天先去银行，把一半钱先买了GIC，其它再研究。现在的利息还不错：今天在TD的美金3月GIC拿到4% 接下来就请他们帮我找个Finance Advisor，看看Mutual Fund，股票什么的。
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1

Apr 11th, 2006, 14:47	#3
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	人寿保险想买个终身储蓄式的人寿保险，抽烟和不抽烟差多少？要差得多的话，就先戒烟？人寿保险咨询

Apr 12th, 2006, 14:06	#5
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	Some books I recommend to you: from Rolia Some books I recommend to you: ------------------------------------------------------------------ by ceei (会挣钱的猪) at 2006.4.7 23:28 Please be sured you have already read the book 'the naked investor' BEFORE talking to any financial advisor!!! -ceei(会挣钱的猪); 4.7 07:54 (#2890229@0)Reply http://www.chapters.indigo.ca/books/...Naked+Investor ＜本文发表于: 相约加拿大:枫下论坛 www.rolia.net/forum ＞ Financial Freedom without Sacrifice: How to Cut Expenses, Invest and Increase Security by Talbot tevens (ISBN: 0969687303, $19.99 - contact author at 1-866-231-2721). Comment: It is the simplest and easiest book to read about financial planning that I have found. The Wealthy Barber by David Chilton (ISBN: 0968394736, $16.95). Comment: It is excellent for absolute eginning savers. The Pension Puzzle: Your Complete Guide to Government Benefits, RRSPs and Employer Plans by Bruce Cohen and Brian Fitzgerald (ISBN: 0470834307, $18.89). [ 相约加拿大:枫下论坛 www.rolia.net/forum ] Comment: Investing for retirement. Winning the Tax Game 2005: a Year-Round Tax and Investment Guide for Canadians by Tim estnick (ISBN: 0470836113, $18.89). Comment: Easy to read, well laid out, good chapter names and good headers throughout the chapters. Learn to Earn: A Beginner's Guide to the Basics of Investing and Business by Peter Lynch and John Rothchild (ISBN: 0471180033, $30.45). Comment: For beginning investors. ＜ r o l i a. n e t ＞ Bogle on Mutual Funds by John Bogle (ISBN: 1556238606, $27.96). and The Future for Investors by Jeremy Siegel (ISBN: 140008198X, $27.96). Comment: An investor who has read either or both of The Future for Investors or Bogle on Mutual Funds would be prepared to do well in investing in the U.S. markets. { 枫下论坛 www.rolia.net/forum } Other 3 books on 3 different investing style, you could pick one to read depending on which style suit you (I recommend indexing): Investing in stocks: One Up On Wall Street and Beating the Street by Peter Lynch (ISBN: 0671891634, $22.50). Index investing: The Power of Index Funds: Canada’s Best- Kept Investment Secret by Ted Cadsby (ISBN: 0773760830, unavailable) and A Random Walk Down Wall Street by Burton Malkiel (ISBN: 393325350, $18.90). Dividend investing: Beating the Dow: a High-Return, Low-Risk Method for Investing in the Dow Jones Industrial Stocks With as Little as $5 by Michael O’Higgins (ISBN: 066620473, $22.95). ＜相约加拿大 ROLIA.NET ＞ The above comments were from some famous financial writters. Hope the list can help you bit. ＜本文发表于: 相约加拿大:枫下论坛 www.rolia.net/forum ＞ REPLY 话题版权声明关闭窗口本页网址: http://www.rolia.net/forum/forum_sho...=20&_cno=2350&

Apr 12th, 2006, 14:21	#6
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	Tax Treatment of Mutual Funds for Individuals FYI - Tax Treatment of Mutual Funds for Individuals http://www.cra-arc.gc.ca/E/pub/tg/rc4169/rc4169-05e.pdf -ceei(会挣钱的猪); 4.4 13:29 (#2884025@0)Reply 多谢。总结一下..... ------------------------------------------------------------------------- by pigking (铁头猪王) at 2006.4.4 17:22 MF报税: 1. T3/T5按要求报。 2. 另外单独计算Capital Gain/Loss。我MF的Broker是CIBC，报税前收到MF的Statement，Capital Gain/Loss = Credit - Debit。补充一下计算ABC的公试:ACB= ------------------------------------------------------------------------- by jim366 (金) at 2006.4.4 22:29 ACB=your initial investment + additional investments + reinvested distributions- any return of capital distributions - adjusted cost base of any previous redemptions. 其中return of capital distributions 是基金公司分摊给投资人来报税的CAPITAL GAIN,在收到的T3中的BOX 42就是这一项. 建议大家还是在每次派息时自己计算一下ACB存档.当投资股票或MFUNITS转让给配偶时,根据ROLLOVER的原理,这种原始ACB的存档尤其重要.BROKER提供的数据有可能在转让时丢失或变化. Be careful on mutural fund capital gains! -------------------------------------------------------------------------------- by ceei (会挣钱的猪) at 2006.4.4 09:50 If you own mutual funds and you automatically reinvest the income you earn each year, don.t forget to take this into account when you sell the fund and calculate your capital gain or loss. For example, if you invested $1,000 in a mutual fund, and then sold it for $2,000, it may appear as though your capital gain is $1,000. However, if you have reinvested $400 income from the fund, your capital gain is only $600. This is because your total investment is really $1,400 (the original $1,000 plus the reinvested income). You already paid tax on the $400; if you forget about it when calculating your capital gain, you will end up paying tax on it twice! I know this issue had been a common sense for a lot experience investors but some people are still massing up on this matter. My friend is filing a ajustament return to get money back!!!

Apr 19th, 2006, 14:54	#13
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	如何开户看这里新手很多，很多问题集中在如何开户，开那个好等等我看我还是在TD Waterhouse开个帐户，反正不会做短线的，手续费高低差不了多少。直接找银行，然后自己选几个Mutual Fund先玩玩。也不用找代理了，那些人无非就是从我们这里挣钱而已。从来都不觉得那些人能比我聪明多少。此帖于 Apr 20th, 2006 14:28 被 losthorizon 编辑。

Apr 11th, 2006, 14:43	#2
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	该省的就要省以前去租车，居然闭着眼睛说，把该买的都买上，省得操心。俺都不知道自己手上还有这卡，TNND。强档组合！td elite金卡+select service+us borderless plan TD Gold Elite Visa Card 此帖于 Apr 12th, 2006 14:30 被 losthorizon 编辑。

Apr 12th, 2006, 20:21	#7
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	最好的投资应该还是把小孩教育好。我有两崽，好像Manners不够好。可能跟我这个野蛮人有关。深感不能通过言传身教来教好他们。想请专门的老师来教/改善性格等等。比如每个礼拜去一二个小时。$50/$100都可以。请问哪里有，上哪里找这样的Program/老师？

Apr 15th, 2006, 08:30	#9
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	2、投资GIC是次大风险，去除年平均5％的通涨，你的回报是负的。这是知道我要干什么前的权宜之计。 3、投资股市最安全，北美股市从诞生到现在任何一个10年段的回报都是正的，所以只要你持股足够长，股价现在的高低不是问题，但一定要是优质公司。我就想用这种方法。同样的在中国适用，所以中国的股票市场再有问题，我还是在前年１３００是进了点。我坚信中国要发展，股票市场的问题迟早要解决。 4、要学会借钱生钱，靠工作攒钱投资永远发不了财。这个还不敢，发财还太遥远。

Apr 18th, 2006, 15:36	#11
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	提醒专做Contractor的同学们一定要Incorpate($700~800 one time)，然后再请专业的会计师做帐($700~800/per year)。我刚来时不知道，今年报税下来吃了大亏。

Apr 19th, 2006, 14:54	#14
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	基本概念美股交易攻略〔初学者〕请各位大虾解释一下基本概念 “PHD 需要读5年，如果你用5年时间来研究，并实践股市，估计你已经赚回百万美金了。” --- by someone 投Y者的箴言此帖于 Apr 19th, 2006 16:37 被 losthorizon 编辑。

Apr 19th, 2006, 16:20	#15
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	适合于RRSP的股票//长线黄金股请DX推荐适合于RRSP的股票, 长期保持这类的股票比较适合我。 Loblaw: L Shoppers Drugmart: SC td bank:TD BCE CIBC 和TD Bank 都推荐本人买他们的 Monthly Income Fund ROYAL BANK, INDEX FUND(ETF), BOND FUND 长线黄金股此帖于 Apr 19th, 2006 16:31 被 losthorizon 编辑。

Apr 20th, 2006, 15:25	#16
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	杀回新加坡买房如何？私宅价格首季再升1.5％新加坡房价已经从低谷走出。 Canadian Dollar --> Singapore Dollar 加元对新元超高。前年来之前就想买一个Condo出租，可惜拍卖时价已经上涨了五万，没下决心。都是因为要走，怕麻烦。顺便请问，如果我买个Condo，是不是他们会给我延长PR？我们的明年一月到期。

Apr 20th, 2006, 16:51	#17
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	有没有人想过买《锦绣中华》之类商城里的店铺？税太高，增值部分要交50％税，不如投资住宅。 -lansilver(蓝银); 16:44 (#805684@9)

Apr 21st, 2006, 15:08	#19
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	房地产投资俱乐部看房活动 4月23日 (星期日)11:30am 看银行拍卖房，遗产房，离婚房，自住房，投资房，空地，Farm。集合地点：Leslie/Finch 东北角阳光超市门前；予订电话 416 888- 3483， 416 893-2498 Lily。

Apr 24th, 2006, 13:53	#20
losthorizon 香格里拉注册日期: Jan 2006 帖子: 2,185 精华:1 声望: 354488	Rolia上有人推荐这本书 Beat the Taxman