旧金山房产30年:遥遥领先全美各地。南湾San Jose和东湾Oakland上榜

公众号上一篇老文,到现在看还很有意义,公众号文章在这里

Zillow/Trulia 跟踪比较了美国各大城市30年来的房产价格中位数(median price),旧金山以大幅度遥遥领先。隔壁的圣何塞屈居第二。另外一个邻居奥克兰第六。对,你没有看错,湾区占了三个。

原文在这:https://www.trulia.com/blog/trends/rich-city-poor-city/

废话不说,先上数据:

10.迈阿密,佛州(Miami, Florida)

1986年 房价中位数:$62,385

2016年 房价中位数:$249,326

房价上涨获益:299.7%

9.圣地亚哥,加州(San Diego, California)

1986年 房价中位数:$114,414

2016年 房价中位数:$502,015

房价上涨获益:338.8%

8.洛杉矶,加州(Los Angeles, California)

1986年 房价中位数:$116,061

2016年 房价中位数:$520,060

房价上涨获益:348.1%

7.橘郡,加州(Orange County, California)

1986年 房价中位数:$143,210

2016年 房价中位数:$643,483

房价上涨获益:349.3%

6.奥克兰,加州(Oakland, California)

1986年 房价中位数:$130,659

2016年 房价中位数:$631,109

房价上涨获益: 383%

5.波特兰,俄勒冈州(Portland, Oregon)

1986年 房价中位数:$63,154

2016年 房价中位数: $412,286

房价上涨获益:395.7%

4.西雅图,华盛顿州(Seattle, Washington)

1986年 房价中位数:$81,774

2016年 房价中位数:$412,286

房价上涨获益:404.2%

3.檀香山,夏威夷州(Honolulu, Hawaii)

1986年 房价中位数:$120,199

2016年 房价中位数:$607,003

房价上涨获益:405%

2.圣何塞,加州(San Jose, California)

1986年 房价中位数:$154,787

2016年 房价中位数:$923,315

房价上涨获益:496.5%

1.旧金山,加州(San Francisco, California)

1986年 房价中位数:$160,955

2016年 房价中位数:$1,058,474

房价上涨获益:557.6%

干货在这

作为一个投资者,如果你在1986年用20%的首付买下一个中位数房,假设你出租只能持平,没有任何的现金流(基本不可能),到今天你的收益率是:

San Francisco: 3288%, $1,026,283
San Jose: 2983%, $892,358
Seattle: 2520%, $395,931
到了第十名,就只有 Miami: 1998%了(or $236,849)

所以强者恒强的规则非常明显,更具体的,旧金山一个城市就超过了其它九个城市的增值总和。
San Francisco more expensive than other 10 combined

房地产投资:美国人最赚钱的副业,没有之一

房地产投资:歪果仁最赚钱的副业

歪果仁都在搞什么副业?通过各种副业他们赚了多少?The Hustle进行了一项调查以了解情况。

thehustle.co编辑,e秀才投资翻译整理改编,不得转载,谢绝转载,请勿转载

在丹佛的某个地方,有一位会计师经营着她快速发展的化妆品业务。在明尼阿波利斯;有一位航空航天工程师在她家的车库里出售以猫为主题的T恤;在加拿大,一名计算机工程师在他的八小时之外的时间教其他发胖的爸爸如何举重健身和减肥。

和天朝说的“全民创业”不同,这些美国佬在日常工作时间之外,正在自然而然的经营着第二职业。e秀才投资翻译整理,不得转载,谢绝转载,请勿转载)

The Hustle2018年进行了一项调查,目的在于弄清楚这些不务正业的每个人都做了什么?他们挣了多少钱?他们如何为自己的梦想提供启动资金等等?一项是他们的一些发现:

  • 受调查人群中,35%的人有某种第二职业或者副业
  • 房地产是最受欢迎的副业,占所有副业的11%
  • 同时房地产也是最赚钱的一面(每小时90美元)
  • 相比之下,农业(每小时9美元)是最少的
  • 所有的第二职业,平均每周11小时的平均收入为12,609美元(每小时约25美元,秀才说好不值钱啊)
  • 绝大多数的副业都是自筹资金
  • 开始你的副业,第一年平均成本为16,662美元e秀才投资翻译整理,不得转载,谢绝转载,请勿转载)

现在,让我们进入更多的数据和分析……

谁参与此调查?

本研究的结果基于2018年10月3日至8日期间发送给The Hustle电子邮件清单的调查中的3,560份回复。e秀才投资翻译整理,不得转载,谢绝转载,请勿转载)

我们的受访者略微偏向男性(56%至44%),主要分布在美国(77%,而国际比例为23%)。

Snapshot of Survey Respondents

我们的受访者倾向于高收入范围。
受访者平均年龄为34岁,收入为91,000美元(比全国平均水平4.45万美元的两倍多),并且每周工作43小时。

我们调查的样本绝不是普通美国人的普遍代表,这里提供的结果并不是决定性的。也就是说,他们仍然可以给我们一个有趣的全景,了解中端收入者的副业,他们从中收入了多少,以及他们如何为此副业提供资金。e秀才投资翻译整理,不得转载,谢绝转载,请勿转载)

Do U Have a side Hustle?

什么人最喜欢有副业?

平均而言,我们发现35%的受访者有某种第二职业。这个数字根据一些人口因素而有很大差异。

男性,低于BA学位的人和年轻人更有可能开始副业。
男性比平均水平高出4%的可能性,而女性则有4%的可能性。研究人员将这种男性创业倾向归因于“男性过分自信,女性相对谦虚”的影响:一般来说,女性比男性更少傲慢和过于自信,因此创办自己的企业的可能性较小。
有趣的是,拥有高中毕业证书或副学士专科学位的受访者更多,或者更可能像持有广管局或更高学历的受访者一样 – 可能是因为他们的收入低于我们的平均受访者(7.78万美元,而非9.1万美元) 。

但是,无论某人是否具有副业,最大的决定因素是她或她所从事的行业。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

 

平面设计师最最喜欢副业

创意专业 – 尤其是那些植根于艺术和媒体的专业人士 – 在这里排名第一:10位平面设计师中有8位报告有一个有副业,10位在线媒体专业人士中有7位,以及10位摄影师中的6位。
这些基于技能的特定交易自然适合自由职业。但他们通常也会支付更少的费用,这可能会增加额外的合同工作。

另一方面,有些工作似乎不允许在一边做太多工作。

比如律师……吃完被告吃原告,吃不下了,所以不是那么多有副业。

购买房产一直被认为是实现被动收入的可靠手段 – 而蓬勃发展的短期租赁市场似乎对想要进入房地产的临时投资者产生了影响。

零售业(占所有副业的5%)在这里也有很强的表现,可能是由亚马​​逊和Shopify等在线平台推动的无库存销售业务。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

在这个名单之外,在某些行业工作的人被某些方面的副业所吸引:建筑工人不太可能与汽车或家具(需要工具专业知识的行业)方面的第二职业沾边;营销人员更有可能创办在线服装公司;公关人员倾向于在写作和编辑方面转向副业的开始。

说了这么多,你们到底能从副业里面赚多少钱?

The Most Lucrative Side-Hustles

根据调查,平均每人每周花11小时从事第二职业的工作,每年收入12,609美元 – 平均每小时约25美元。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

 

搞啥?你的副业到底是什么?

好吧,既然我们知道谁是匆匆忙忙努力的活着,那么这些人究竟做了什么?

我们的调查要求受访者将他们在140个行业中的一个进行分类,从营销,到美术,再到农业。我们筛选了这些回复,并根据总副业的百分比编制了最受欢迎的选择。

总体而言,30个行业占所有方面的约75% – 但是一个明显的,单一的赢家排在首位。

一些不务正业的家伙报告说他们的年收入中有10万美元以上来自副业,但每周工作20-30小时(那算哪门子副业)才能赚这么多;其他人大概报告每周5小时工作5万美元。

假设你能从事任何工作,为了让我们的读者利润最大化,我们通过平均小时工资将我们的数据标准化。 (请记住,这是税前。)

再一次,房地产名列前茅:其中,房地产每周六小时,每小时赚90美刀,远超平均值!6小时从房产中能赚取29,000美元。

紧跟其后的是卖拐人才方阵之管理咨询师,如果你知道他们到底是干嘛的,请告诉秀才我,以后不做房地产了去做那个。

事实上,这里所有顶级管理人员 – 管理咨询(86美元/小时),投资管理(75美元/小时),投资银行业务(70美元) – 每周工作时间不到10小时。当你从事这些效率高的副业时,更可能得到回报。

Least Lucrative 2nd job

不幸的是,并非所有人都选择这种利润丰厚,投入低的工作。上面这个表格就尴尬了。身材狂好的健身网红,居然只赚10刀?无数美女崇拜的“摄影师”居然职业11刀?

农场的努力工作,平均每周工作14小时,收入不到6.8美元,或每小时9美元。鉴于农民甚至不从农业中赚钱(美国的农业补贴很丰厚),这也就不足为奇了。

这个列表似乎包含了你的高中辅导员或者中国虎妈告诉你永远不可能谋生的所有行业:艺术和手工艺(10美元/小时),音乐(11美元/小时),写作(11美元/小时) – 和摄影(11美元/小时)。你爹叫你回去学数理化,听见了没?e秀才投资翻译整理,不得转载,谢绝转载,请勿转载)

Most common side hustles

上面这个最常见副业图里,毫不意外的,我们没有看到很多律师兼职带狗散步(毕竟每天还有那么多原告被告呢,特别是那些房地产投资的家伙最需要我们)。只有十分之一的法律服务工作者报告通过副业来源赚钱。

第一桶金:大家用什么资金启动他们的副业

一些副业(见上面的工艺品系列)不需要什么资金,很容易可以启动;其他的副业,比如房地产,需要大量的资金(原文说如果你在旧金山,你将不得不推迟你第一个孩子计划,秀才不同意,东湾买房城里上班嘛)。

How to fund the side hustle

大多数受访者(58%)启动资金来自他们自掏腰包 – 并且相当大一部分(38%)根本不会产生任何费用(不是贷款来的)。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

大约19%的受访者表示通过传统的银行贷款或家人和朋友来赚取一些入门资金。只有1%的人会从风险投资中寻求额外资金(这并不奇怪,考虑到投资者通常希望看到全职投资)。

对于自筹资金,第一年的平均自付投资约为17,000美元。假设您的平均收入为12.6万美元/年(并且占联邦自雇税的15.3%),您可以在大约1。5年的时间内收回您的投资。

鉴于这些相对较低的投入成本,只有25%的人报告发生债务。

Debt and funding the side hustle

平均债务约为36.5万美元,但对于房地产副业,这个数据大幅上涨,其中65%的人负债。而且秀才主张你应该负债。如果您没有搞清楚或者忘记了现金流,好债,资产,负债等等概念,建议您重读富爸爸那本书。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

这组数据告诉我们的是,开始一个第二职业并不像我们的受访者想象的那样在经济上遥不可及。

但同样,请记住,我们的读者并不代表广大公众:拥有资源,时间和金钱来开始副业是一种固有的特权:40%的美国人难以负担400美元的紧急开支,商业机会不低于17,000美元。

一切都是为了爱

对许多人来说,副业不只是钱,而是梦想;他们偶尔会从中获利,但更是一种激情或爱好。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

最后,也是最重要的是,我们很想知道副业从业者是否真的喜欢他们的主业。他们对主业的热情,和副业的热情相比,排名几何?

Love your job? Compare to side hustle?

总的来说,该问题的答案很模糊:51%的人喜欢主业,49%的人不喜欢。但是在副业中,真爱非常清晰:76%明确地喜欢他们所做的副业。e秀才投资翻译整理,谢绝转载,不得转载,请勿转载)

然而,当被问及他们是否想要将他们的副业转变为全职工作时,大多数受访者(52%)表示“不”。到底是怎么回事?大家可以把主业换成领导,然后把副业换成二奶,其实就不难理解了。

当然人们不会这么解释,被采访者引用了对失败和债务的担忧,开始实施经营的成本,对自己的利益是否处于利润丰厚的行业的担忧,来解释以上选择的困境。

最后秀才要说的是,没有一个行业像房地产一样可以用别人的钱和别人的时间来为自己累计财富;也没有一个行业像房地产一样有好多坑让投资者防不胜防。欢迎扫码加入秀才投资群讨论地产投资的点点滴滴。

 

Real estate is American’s most lucrative side-hustle by far

The most lucrative side-hustles

What do people actually do for side-hustles? And how much do they make? We ran a survey to find out.

by thehustle.co editors

Somewhere in Denver, there’s an accountant who runs a thriving cosmetics business on the side. In Minneapolis, there’s an aerospace engineer who sells cat-themed t-shirts out of her garage. Over in Canada, a computer engineer spends his off-hours teaching out-of-shape dads how to lift weights.

Meet the side-hustlers — people who’ve set up secondary businesses outside of their day jobs.

Our readers are highly entrepreneurial (our name’s The Hustle, after all), so we decided to run a survey and learn a bit more: What do these side-hustlers do? How much do they make? And how do they fund their pursuits? A few of our findings:

  • 35% of people have some sort of side-hustle
  • Real estate is the most popular side-hustle, making up 11% of all secondary jobs
  • Real estate is also the most lucrative side-hustle ($90/hr); farming ($9/hr) is the least
  • The average side-hustle earns $12,609 on 11 hours per week (~$25 per hour)
  • The vast majority of side-hustles are self-funded
  • The average first-year cost of launching a side-hustle is $16,662

Now, let’s get into the juicy stuff…

Who is included in this survey?

The results in this study are based on 3,560 responses from a survey sent out to The Hustle email list between October 3-8, 2018.

Our respondents skewed slightly male (56% to 44%) and were primarily based in the US (77%, compared to 33% international).

Our respondents skew toward the higher-income range (Zachary Crockett /The Hustle)
On average, respondents are 34 years old, have an income of $91k (more than double the national average of $44.5k), and work 43 hours per week at their primary job.

The sample we surveyed is by no means universally representative of the average American, and the results presented here aren’t meant to be conclusive. That said, they still give us an interesting snapshot of what mid- to high-tier earners do for work on the side, how much they make from it, and how they fund it.

Who is making money on the side?

On average, we found that 35% of respondents have some kind of side-hustle. This figure varies widely based on a number of demographic factors.

Men, those with less than a BA degree, and younger folks are more likely to start a side-hustle (Zachary Crockett /The Hustle)
Men are 4% more likely than average to have a side-hustle, while women are 4% less likely to have one. Researchers have attributed this male skew in entrepreneurship to the “male hubris, female humility” effect: In general, women are less hubristic and overconfident than men, and thus less likely to start their own businesses.

Interestingly, respondents with a high school diploma or associate’s degree are more, or just as, likely to have a side-hustle as those with a BA or higher — possibly because they earn less than our average respondent ($77.8k, versus $91k).

But the biggest determining factor of whether or not someone has a side-hustle is the industry she or he works in.

Graphic designers love to side-hustle (Zachary Crockett /The Hustle)
Creative professions — particularly those rooted in art and media — top the list here: 8 of 10 graphic designers report having a side-hustle, along with 7 of 10 online media professionals, and 6 of 10 photographers.

These specific skill-based trades naturally lend themselves to freelance work. But they also generally pay less, which may preempt additional contract work.

On the other end of the spectrum, there are jobs that just don’t seem to allow for much work on the side.

Lawyers…not so much (Zachary Crockett /The Hustle)
Buying property has long been considered a reliable means of achieving passive income — and a booming short-term rental market seems to have had an impact on casual investors looking to get into real estate.

Retail (5% of all side-hustles) also has a strong showing here, likely driven by online platforms like Amazon and Shopify.

Outside of this list, people who work in certain industries are drawn to certain side-hustles: Construction workers are disproportionately likely to take on side-work with automobiles or furniture (trades that require tool expertise); marketers are more likely to start online apparel companies; PR folks tend to turn to side-hustles in writing & editing.

How much do people make from side-hustles?

The average side-hustler spends 11 hours per week on their secondary work, and earns $12,609 per year — an average of about $25 per hour.

Thanks, Airbnb (Zachary Crockett /The Hustle)
It should come as no surprise that we don’t see a lot of lawyers moonlighting as dog walkers (there are only so many billable hours in the day, after all). Only 1 in 10 legal services workers report earning money through a secondary income stream.

Here, we see a dramatically different type of list — one populated with generally high-paying, high-stress, time-consuming roles.

What do people do for side-hustles?

Okay, now that we know who is side-hustling, what do all these people actually do?

Our survey asked respondents to categorize their side-hustle in one of 140 industries, ranging from marketing, to fine art, to farming. We sifted through these responses and compiled the most popular choices, based on the percentage of total side-hustles.

Overall, 30 industries make up ~75% of all side-hustles — but a clear, singular winner comes out on top.

Not too shabby — but don’t forget taxes (Zachary Crockett /The Hustle)
But not all side-hustles are created equally.

Some hustlers reported impressive annual earnings ($100k+) from side-jobs, but worked 20-30 extra hours per week to get there; other hustlers made $50k on the side working 5 hours per week.

To figure out which side-hustles are the most lucrative, we normalized our data by average hourly pay. (Keep in mind, this is pre-tax.)

That’s a lot of bankers (Zachary Crockett /The Hustle)
Once again, real estate comes out on top: Our average respondent made $29k/year from property on just 6 hours per week, good for $90/hour.

In fact, all of the top rankers here — management consulting ($86/hr), investment management ($75/hr), investment banking ($70) — reported less than 10 hours of work per week. When it comes to side-hustling, efficiency pays off.

Unfortunately, not everyone chooses such lucrative, low-input work.

May want to rethink kickstarting that farm… (Zachary Crockett /The Hustle)
Farming side-hustlers worked an average of 14 hours per week, and made away with just under $6.8k, or $9/hr. This isn’t surprising given that even farmers don’t make money from farming.

This list seems to be populated with all of the things your high school counselor told you to never do for a living: Arts & crafts ($10/hr), music ($11/hr), writing ($11/hr) — hi, mom!— and photography ($11/hr). These are also the industries we saw earlier, in chart of professions most likely to have a side-hustle.

How do people fund their side-hustles?

Some side-hustles (see arts & crafts above) are easy to get off the ground; others, like real estate, require large amounts of capital (or, if you’re in San Francisco, your first-born child and your soul).

Most respondents (58%) fund their side-hustles out-of-pocket — and a sizeable portion (38%) don’t incur any costs at all.

Most side-hustles are self-funded (Zachary Crockett /The Hustle)
About 19% report staking out some starter money through a traditional bank loan or family and friends. Only 1% seek out side-hustle funding from VCs (not surprising, considering that investors typically like to see full-time commitment).

For the self-funded, average out-of-pocket investment runs ~$17k for the first year. Assuming you’re earning the average of $12.6k/year (and accounting for the 15.3% federal self-employment tax), you’d be able to recoup your investment in about 1.5 years’ time.

Given these relatively low input costs, only 25% of side-hustlers report incurring debt.

Most side-hustles are debt-free (Zachary Crockett /The Hustle)
The average debt runs ~$36.5k, though this is driven up substantially by real estate hustlers, 65% of whom incur debt.

What this data shows us is that starting a side-hustle — even an ambitious one — is not as economically far-fetched as it may seem for our respondents.

But again, keep in mind that our readers are not representative of the public at large: There is an inherent privilege in having the resources, time, and money to start a side-hustle: 40% of Americans struggle to afford a $400 emergency expense, no less $17k for business opportunity.

For the love of it all

For many people, a side-hustle isn’t just about money; it’s a passion or hobby that they just happen to occasionally monetize.

So lastly, and most importantly, we were curious to see if side-hustlers really love what they do. How does their passion for their secondary work stack up to their passion for their day job?

Do you love your job? (Zachary Crockett /The Hustle)
On the whole, the field’s pretty split on their main work: 51% love it, 49% don’t. The story’s a little more clear with side-hustles: 76% definitively love what they do.

Yet, when asked if they’d want to turn their side-hustle into a full-time job, the majority of respondents (52%) said ‘no.’

People cited fears of failure and debt, the cost of getting their operation off the ground, concerns over whether or not their side-hustle was in a lucrative industry, and the dilemma of leaving a full-time, stable job for an uncertain future.

Whether you’re snapping up apartments in NYC or hawking eggplants at a farmer’s market in Boise, there’s probably some merit in keeping your side-hustle a side-hustle.