Robert仔研究俱乐部 ~~~~~ 明日地產王，我來當

tan81

我买了3张票。3个人去。

尔齐

第一课题，90/10的谜思讨论会。

The 90-10 Riddle

In February of the year 2000, I was working with a group of very brightgraduate students at Thunderbird University, The American School ofInternational Management. During the three hour session I asked one ofthe young students, “What is your investment plan?”

Without hesitation he replied, “When I graduate I will find a job thatpays me at least $150,000 a year and begin putting aside at least$20,000 a year to buy investments.”

I thanked him for his willingness to share his plan with me. Then Isaid, “Do you remember me discussing my rich dad's 90/10 principle ofmoney?” “Yes,” said the young man with a smile, knowing that I wasabout to challenge the way he was thinking. He was enrolled in theentrepreneurship program of this very prestigious school where I was aguest instructor . By now, he knew my style of teaching was not to givestudents answers. My style was to challenge core beliefs and askstudents to evaluate old thought patterns. “What does the 90/10principle of money have to do with my investment plan?” he askedcautiously. “Everything,” I replied. “Do you think your plan of findinga job and investing at least $20, 000 a year will put you in thecategory of the 10% of investors that make 90% of the money?”

“I don't know ,” he replied. “I never really thought about my plan with that benchmark in mind.”

“Most people don't,” I replied. “Most people find an investment planand think it is the only investment plan or the best investment plan,but few compare their plans to other plans. And the problem is, mostpeople will not find out if their plan was the right plan until it'stoo late.”

“You mean the average investor is investing for retirement and will notfind out if their plan worked or not until they retire?” asked anotherstudent in the class. “They'll find out when it is too late. ”

“For many people my age that will be true, ” I replied. “Sad but true. ”

“But isn't the idea of finding a high paying job and putting $20,000 ayear away a pretty good plan?” asked the student. “After all, I'm only26 years old. ” “A very good plan,” I replied. “Definitely putting awaymore money than the average person and starting young with that muchmoney will probably make you a very rich man. But my question is, ‘Willyour plan put you in the 90/10 league of investors?'”

“I don't know,” said the young man. “What would you advise?”

尔齐

Continue ...........................

“Do you remember me telling you the story of walking along the beach with my rich dad at the age of 12?” I asked.

“You mean the story of you wondering how he could afford such anexpensive piece of real estate,” another student replied. “Your richdad's first big investment and his first move into the world of biggerinvestments?”

I nodded my head and replied, “That's the story. ”

“And that story has to do with the 90/10 rule of money?” asked the student.

“Yes it does. It applies because I always wondered how my rich dadcould acquire an asset so big even though he had very little. So afterasking him how he did it, he gave me what he called the 90/10 riddle.”

“The 90/10 riddle?” replied one of the students. “What is the 90/10riddle and what does it have to do with my investment plan?”

With that question, I turned, walked to the chalk board, and drew the following diagram. “This is the 90/10 riddle.” I said.

“That's the 90/10 riddle?” asked the student. “All it looks like is a financial statement without any assets in it.”
“And it is . So this is the question that completes the riddle, ” Isaid with a grin, watching the students' faces to see if they werestill with me. After a long pause on my part, one of the studentsfinally demanded, “So give us the question.”

“The question is ,” I said slowly, “How do you fill your asset column without buying any assets?”

“Without buying any assets, ” replied the student. “You mean without any money?”

“More or less,” I replied. “Your investment plan for putting $20,000 ayear aside to invest with is a good idea. But my challenge to you iss the idea of buying assets with money a 90/10 idea, or is it anaverage investor idea?”

“So you're saying to create assets in the asset column instead of buying the assets with money, which is what most people do. ”

I nodded my head. “You see, this diagram, the diagram I call the 90/10riddle is the riddle that my rich dad would challenge me with on aregular basis . He would ask me for my ideas on how I could createassets in the asset column without buying them with money. ”

The students were silent looking at the riddle on the chalk board.Finally one turned and said, “Is that why you often say, ‘It doesn'ttake money to make money?'”
I nodded my head and replied, “You're catching on. Most people in the90% who own the 10% often say, ‘It takes money to make money.' Manyoften give up on investing if they do not have any money. ”

“So your rich dad's 90/10 riddle was to give you a blank asset columnand ask you how you would fill it with assets without having to buy theassets.” “Constantly. After I came back from Vietnam, he wouldroutinely have a lunch or dinner with me and ask me for new ideas onhow to fill the asset column by creating assets instead of buyingassets. He knew that is how many of the ultra-rich got rich in thefirst place. That is how Bill Gates, Michael Dell, Richard Branson allbecame billionaires. They did not become billionaires by looking for ajob and putting a few dollars aside.”

尔齐

Continue.............

“So you're saying the way to become rich is by being an entrepreneur?”

“No, I am not saying that. I just use those examples because you areall in the entrepreneurship program at Thunderbird University. TheBeatles became ultra-rich by creating a different kind of asset,none-the-less they created assets that still pay them money today. AllI am saying is that rich dad put this financial statement with a blankasset column in front of me on a regular basis and asked me how I wouldcreate assets inside the asset column without having to spend money toacquire them. He began giving me this 90/10 quiz when I asked him howhe found the power to acquire a piece of the most expensive beach frontland without any money.”

“So he said his business bought the land,” another student chimed in.

“As I said, that is one way but there are many ways you can createassets inside an asset column without buying them. Inventors do it byinventing something of great value. Artists paint paintings that arepriceless. Authors write books that pay them royalties for years.Creating a business is the way an entrepreneur does it, but you don'thave to be an entrepreneur to create an asset inside the asset column.I've done it with real estate without using any money. All you have todo is be creative and you can be rich for life.”

“You mean I can invent something with new technology and become rich?” asked one of the students.

“You could, but it does not have to be an invention or new technology,”I said, pausing for awhile. “It is a way of thinking that createsassets and once you have that way of thinking you will be richer thanyou ever dreamed possible. ”

“What do you mean it doesn't have to be a new invention or technology? What else could it be?”

I said, doing my best to make my point, “Do you remember the story inmy book, Rich Dad Poor Dad, the story of the comic books?”

“Yes,” said one of the students. “The story of your rich dad takingaway your 10 cents an hour and asking you to work for free after youasked for a raise? He took away the 10 cents because he did not wantyou to spend your life working for money.”

“Yes, that story. ” I replied. “That is a story about filling the asset column with an asset without buying the asset. ”

The students stood quietly for awhile thinking about what I had justsaid. Finally one spoke up and said, “So you took old comic books andturned them into assets.”

I nodded my head. “But were the comic books the asset?” I asked.

“Not until you turned them into an asset,” replied another student.“You took something that was being thrown out as trash and turned itinto an asset.” “Yes but were the comic books the asset or were thecomic books merely the part of the asset you could see?”

“Oh, ” another one of the students jumped in. “It was the invisiblethought process that created the comic book into the asset that was thereal asset. ” “That is how my rich dad saw it. He later told me thatthe power he had was his thinking process. It was a thinking processthat he often jokingly called, ‘Turning trash into cash. ' He alsosaid, ‘Most people do exactly the opposite and turn cash into trash.That is why the 90/10 rule holds true.'”

“He was like the ancient alchemists,” said one of the students. “Thealchemists who searched for the formula to turn lead into gold.”

“Exactly,” I said. “The people who are in the 90/10 grouping of moneyare modern day alchemists. The only difference is that they are able toturn nothing into assets. Their power is the ability to take ideas andturn them into assets. ”

“But as you say, many people have great ideas. They are just not able to turn them into assets, ” said a student.

I nodded my head. “And that was my rich dad's secret power I saw thatday on the beach. It was that mental power or financial intelligencethat allowed him to acquire such an expensive piece of real estate,while the average investor would walk away from it, saying ‘I can'tafford it,' or ‘It takes money to make money. '”

“How often did he give you the 90/10 quiz?” asked a student.

“Very often, ” I replied. “It was his way of exercising my brain. Richdad often said that our brains are our most powerful asset and, if usedimproperly, they can be our most powerful liability.”

The students were silent, I assume contemplating and questioning theirown thoughts. Finally the original student, the student whose plan itwas to put the $20,000 dollars a year away, said, “So that is why inyour book Rich Dad Poor Dad, one of rich dad's lessons was that therich invent their own money.”

I nodded my head and said, “And lesson number one of the six lessons was ‘the rich don't work for money.'”
Again there was silence from the young students before one then said,“So while we are planning on getting a job and saving money to buyassets, you were taught that your job was to create assets. ”

“Well said, ” I replied. “You see the idea of a ‘job' was created in the

Industrial Age and ever since 1989, we have been in the Information Age. ”

“What do you mean the idea of a job is an Industrial Age idea?” onestudent asked with a start. “Humans have always had jobs, haven'tthey?” “No, at least not in the way we know of a job today. You see, inthe Hunter -Gatherer period of humanity, humans lived in tribes andeach person's job was to contribute to the communal survival of thetribe. In other words, it was all for one and one for all. Then camethe Agrarian Age, the era when there were kings and queens. A person'sjob during that period was to be a serf or a peasant who paid the kingto work the land the king owned. Then came the Industrial Age andserfdom or slavery was abolished and human beings began selling theirlabor on the open market. Most people became employees orself-employed, doing their best to sell their labor to the highestbidder. That is the modern concept of the word ‘job. '”

“So the moment I said I 'm going to get a job and put $20,000 away ayear, you see that kind of thinking as Industrial Age thinking.”

I nodded my head. “Just as today there are still Agrarian Age workersthat are known as farmers and ranchers. Today there are still huntergatherers, commercial fishermen for example. Most people are workingwith Industrial Age ideas and that is why so many people have jobs. ”

“So what would an Information Age idea of work be?” asked a student.

“People who do not work because their ideas are at work. Today, thereare students who are much like my rich dad who are going from school tobecoming rich without a job. Look at many of the Internet billionaires.Some of them dropped out of college to become billionaires without everhaving a formal job.”

“In other words, they started with an empty asset column and filled itwith a very big asset, an Information Age asset, ” added one of thestudents. “Many built multi-billion dollar assets, ” I said. “They wentfrom students to billionaires and soon there will be high schoolstudents who will go from high school students to billionaires withoutever applying for a job. I already know of one that is a millionairewithout ever having a job. After reading my book and playing my games,he bought a large piece of real estate, sold off a section of vacantland, kept the apartment house, and paid off his loan with the moneyfrom the land. He now owns the apartment house which is worth a littleover a million dollars and has cash flow of $4,000 a month incomewithout working. He will graduate from high school in about a year.”

The students stood silently again thinking about what I just said. Somehad a hard time believing my story about the high school student, yetthey knew the story of college drop outs becoming billionaires wastrue. Finally one spoke up, “So in the Information Age people aregetting rich with information.”

“Not just in the Information Age,” I replied. “It has been this waythroughout the ages. It is the people who do not have assets who workfor , or are controlled by, those people who create, acquire, orcontrol the assets.”

“So you're saying a high school kid could beat me financially eventhough he does not have a great education from a prestigious school, ora high paying job, ” said the first student.

“That is exactly what I am saying. It's a matter of the way you thinkmore than your education. Best selling author of The Millionaire NextDoor Thomas Stanley in his latest book The Millionaire Mind states thathis research found no correlation between high SAT scores , good gradesand money. ”

The student with the $20,000 a year investment plan then said, “So if Iwant to join the 90/10 club I am better off to practice creating assetsinstead of buying assets. I should be creative rather than do whateveryone else does, when it comes to acquiring assets. ”

尔齐

continue..............

“That is why billionaire Henry Ford said, ‘Thinking is the hardest workthere is. That is why so few people engage in it. '” I replied. “Italso explains why if you do what the 90% of investors do you will jointhem in sharing only 10% of the wealth.”

“Or why Einstein said, ‘Imagination is more important than knowledge,' ” added another student.

“Or why my rich dad gave me this tip when hiring an accountant. Hesaid, when you're interviewing an accountant ask him or her, ‘What is1+1?' If the accountant answers ‘ 3' don't hire the person. They're notsmart. If the accountant answers ‘2' you also don't hire them becausethey are not smart enough. But if the accountant answers, ‘What do youwant 1+ 1 to be?' You hire them immediately. ”

The students laughed as we began packing up our materials. “So youcreate assets that buy other assets and liabilities. Is that correct?”asked a student. I nodded my head.

“Do you ever use money to buy other assets ?” asked the same student.

“Yes, but I like to use money generated by the asset I create, to buyother assets,” I replied, picking up my briefcase. “Remember that Idon't like working for money. I'd rather create assets that buy otherassets and liabilities.”

A young student from China gave me a hand with my bags and said, “Andis that why you recommend network marketing so much? For very littlemoney and risk, a person can build an asset in their spare time.”

I nodded my head, “A worldwide asset they can pass on to their kids iftheir kids want it. I don't know of too many companies that will letyou pass on your job to your kids. That is one test of an asset, thetest if you can hand it on down to the people you love. My dad, the manI call my poor dad, worked very hard to climb the government ladder.Even if he had not been fired, he would not have been able to pass onhis years of hard work to his kids, not that any of us wanted the jobor were qualified to take the job anyway. ”

The students gave me a hand out to my car. “So think about creatingassets rather than working hard and buying assets,” said the $20, 000dollar student. “If you want to get into the 90/10 club,” I replied.“That is why my rich dad constantly challenged my creativity to createdifferent types of assets in the asset column without buying them. Hesaid it was better to work years at creating an asset rather than tospend your life working hard for money to create someone else's asset.”

The $20,000 dollar student then said as I climbed into my car , “So allI have to do is take an idea and create an asset, a big asset, thatmakes me rich. If I do that I will solve the 90/10 riddle and join the10% of all investors that control 90% of the wealth. ”

Laughing, I pulled my door shut and replied to his last comment, “Ifyou solve the 90/10 riddle in real life, you will have a good chance ofjoining the 10% that control 90% of the money. If you don't solve the90/10 riddle in real life, you will probably join the 90% that controljust 10% of the money.” I thanked the students and drove away.

Mental Attitude Quiz

As Henry Ford said, “Thinking is the hardest work there is. That is whyso few people engage in it.” Or as my rich dad said, “Your brain can beyour most powerful asset and if not used properly, it can be your mostpowerful liability.”

My rich dad had me repeatedly create new assets in an empty assetcolumn. He would sit down with his son and me and ask us how we couldcreate a new and different asset. He really did not care if the ideawas crazy and zany, he just wanted us to be able to substantiate howthis idea could be turned into an asset. He would ask us to defend ourthoughts and challenge his challenges. In the long run, it was a lotbetter than him telling us to work hard, save money, and live frugally,which is what my poor dad recommended.

So the mental attitude quiz question is:

“Are you willing to consider creating your own assets rather than buying them?”

Yes____ No____

There are many books and educational programs written on how to buyassets wisely. For most people, buying assets is the best plan forthem. I would also recommend that for the secure and comfortable levelsof your investment plan that those assets be assets you buy. Invest insuch assets as blue chip stocks and well managed mutual funds for thesecure and comfortable level. But if you have dreams of becoming a veryrich investor , the question is “Are you willing to create your assetsrather than buy someone else's assets?” If not, then as I said, thereare many books and educational programs about how to purchase assets.

If you are willing to consider how to create assets, then the remainderof this book will be valuable, maybe priceless. It is about how to takean idea and turn it into an asset that will acquire other assets . Itis not only about how to make a lot of money in the asset column, it isalso about how to keep the money that asset makes and have it acquireeven more assets as well as the luxuries of life. It reveals how manyof the 10% came to acquire 90% of the money. So if this is of interestto you, then please read on.

Again, this is the 90/10 riddle: The riddle is, “How do you create anasset in the asset column without spending money to acquire it?”

Robert's Note:

My first big business was the nylon and Velcro surfer wallet businessin 1977. It was created as a very big asset in the asset column. Theproblem was, the size of the asset created was big, but my businessskills were small. So while I was technically a millionaire in mytwenties, I also lost it all in my twenties. I repeated the sameprocess three years later in the rock and roll business. When MTV hit,our little company was in the perfect position to capitalize on thecraze. Again, the asset created was bigger than the people that createdit. We went up like a rocket ship and came down like a rocket shipwithout gas . The rest of this book is dedicated to creating bigassets, having the professional talent to match the size of the asset,and how to keep the money made by investing in other, often morestable, assets. As my rich dad said, “What good is making a lot ofmoney if you don't keep it?” Investing is the way smart people keeptheir money.

尔齐

Robert仔研究俱乐部

请到Robert仔研究俱乐部讨论财富自由之路！

第一课题，90/10的谜思讨论会。

开始。。。

尔齐

tan８１，

＂其实正确的说法，应该是创意-- 〉资产---〉现金流。＂

Pipi，

"要达到现金流，可以用很多方法。有一些人，用租金达到，一些人，用股票。。一些人，靠马票。。

大家有大家的方法达到现金流，没有说谁对谁错。只要觉得方法适合自己的，why not?"

尔齐，

“Pipi 你对现金流可以有误解。“

尔齐

在讨论90/10的谜思前， 我先谈一谈我读Robert书的读后感。

第一次读第一本后， 粗略明白他想表达的东西。之后烦恼如何做， 为什么没教方法？
他只是另一个说天下无敌，做就无能为力的人。

lesson learn 是学会／明白：

１。现金流
２。分辨liabilities ＆ assets
３。创造时间

尔齐

Pipi 可以解释你对现金流的定义吗？

miko_23

我是kiyosaki的fans，可是我负担这笔学费不起，无奈。。。

IntoTheEvil

楼上的是我，不小心用到我妹妹的ID回复

基本上Robert的书都会强调说他的书不是一本“how to do book"
因为致富的方法有很多种，每个人都不一定适合同一种方法

现金流是生活上和生意上，最重要，也必须要知道的事

Cash flow = income - expenses，粗略来说是这样

pipi88

我的现金流，和ｒｏｂｅｒｔ　的不一样。robert 的东西，读读/参考就好。要怎样得到现金流，100%的跟随他的方式，肯定死定的。

我是用滚雪球方式，首先低价购买有增值率的产业。（因为并没有能力买贵的。）尽快供完。。然后卖掉，就算不增值，保持原价，我也ok. 因为那是为我的将来，准备现金的一个方式~ 谁可以在五年后手上持有250-300千现金？？ 我可以。。

等时机成熟，我会买另一间更贵的，把第一间卖到的钱放在第二间当ｓｐａｒｅ　ｃａｓｈ，有康套的时候，就拿出来周转/投资。

这里的朋友注重在房产投资，而我的方式，是把钱分散在不同的行业投资，以达到diversifying investment. 我之前投资的某个行业，已经让我回本了+ 赚了几千块。那个几千块，我就把他放进房贷，继续滚雪球。不然以我个人的芝麻收入，扣除了开支，怎么可能在五个月内，就把近200千的oustanding balance, 减低到170++ 千。

其实，马来西亚那里都是黄金，未必是投资房产才会赚大钱。对于我来讲，房子可以为我带来第一笔现金（好运的话，当时的market value 可能还可以让我赚一百几十钱），是我致富的踏脚石。因为有flexi loan，我可以运用那些钱，做我要做的投资。 高风险的投资，我不干。不熟悉的行业，我也不动。人家讲好的，我觉得未必好的，我也不做。传销MLM, 也不是我杯茶。

你觉得，我的positive cash flow 在那里？

尔齐

原帖由 IntoTheEvil 于 17-4-2009 04:19 PM 发表
楼上的是我，不小心用到我妹妹的ID回复

基本上Robert的书都会强调说他的书不是一本“how to do book"
因为致富的方法有很多种，每个人都不一定适合同一种方法

现金流是生活上和生意上，最重要，也必须要知道的 ...

同意， 请积极参于讨论。

IntoTheEvil

原帖由 pipi88 于 17-4-2009 04:55 PM 发表
我的现金流，和ｒｏｂｅｒｔ　的不一样。robert 的东西，读读/参考就好。要怎样得到现金流，100%的跟随他的方式，肯定死定的。

我是用滚雪球方式，首先低价购买有增值率的产业。（因为并没有能力买贵的。）尽快供 ...

基本上我觉得你是投资在Capital gain,
每个人都有不同的投资方法
最重要的是能达到目标-financial freedom就足够了

尔齐

原帖由 pipi88 于 17-4-2009 04:55 PM 发表
我的现金流，和ｒｏｂｅｒｔ　的不一样。robert 的东西，读读/参考就好。要怎样得到现金流，100%的跟随他的方式，肯定死定的。

我是用滚雪球方式，首先低价购买有增值率的产业。（因为并没有能力买贵的。）尽快供完。。然后卖掉，就算不增值，保持原价，我也ok. 因为那是为我的将来，准备现金的一个方式~ 谁可以在五年后手上持有250-300千现金？？ 我可以。。

等时机成熟，我会买另一间更贵的，把第一间卖到的钱放在第二间当ｓｐａｒｅ　ｃａｓｈ，有康套的时候，就拿出来周转/投资。

这里的朋友注重在房产投资，而我的方式，是把钱分散在不同的行业投资，以达到diversifying investment.我之前投资的某个行业，已经让我回本了+赚了几千块。那个几千块，我就把他放进房贷，继续滚雪球。不然以我个人的芝麻收入，扣除了开支，怎么可能在五个月内，就把近200千的oustanding balance, 减低到170++ 千。

其实，马来西亚那里都是黄金，未必是投资房产才会赚大钱。对于我来讲，房子可以为我带来第一笔现金（好运的话，当时的market value可能还可以让我赚一百几十钱），是我致富的踏脚石。因为有flexi loan，我可以运用那些钱，做我要做的投资。高风险的投资，我不干。不熟悉的行业，我也不动。人家讲好的，我觉得未必好的，我也不做。传销MLM, 也不是我杯茶。

你觉得，我的positive cash flow 在那里？

"我的现金流，和ｒｏｂｅｒｔ　的不一样。robert 的东西，读读/参考就好。要怎样得到现金流，100%的跟随他的方式，肯定死定的。"

漂亮！认同，这也是我问Jason有没有其他改进版适合大马环境的小tips。

最重要不是他的方法， 是思想。


自住的产业， 我们不谈，因为有太多其他个人的考量。

用买产业的方法储蓄钱也让你想到， 好。（有行动是最好的）

不过问题是当你做下列的动作时，又重复的被减少现金流。

＂等时机成熟，我会买另一间更贵的，把第一间卖到的钱放在第二间当ｓｐａｒｅ　ｃａｓｈ，有康套的时候，就拿出来周转/投资。 ＂

话说回来， 如果有几个管道有钱进来， 连续不段， 是可行方法。


lesson learn from Pipi

１。diversifying investment／不同的行业投资
２。不可以依靠个人工作
３。滚雪球方式，建立财富
４。不熟悉， 不做。

发现投资一方面有正现金流， 某方面可以会有负现金流。 如何做到样样正现金流呢？ 自我思索。。。。

jasonhanjk

原帖由 尔齐 于 17-4-2009 01:51 AM 发表
可以分享你的估计／算法如何退休吗？

我估计下列的情况， 要提早退休。。

完全拥有１０间前， 现金流应该没５figure吧。

不需要5位数。只要达到每月RM2k cashflow，就可正式退休。
不需要再帮人家打工，也没有没钱的烦恼。
毕竟我的开销不会超过RM2k。

我曾经说过，投资是一个计划。Investing is a plan.

Do you plan to be rich, comfortable or safe and secure?
计划只有3项，我选择富有，但必须依照以下的程序：
1. Safe and secure 安全及稳固
2. Comfortable 享受
3. Rich 富有

到达RM2k才第一步。

退休时，就开始第二项。RM5k。
第三项是多过RM10k一个月。

这就是我的计划，因为我们理想不一样，您需要寻找适合自己的计划.
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原帖由 pipi88 于 17-4-2009 12:06 PM 发表
谢谢分享你的退休大计~~

我的退休大计呢？？？ 还没有想到哦。。。

有玩过 cashflow 101 吗？
那里可以给以启发。
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原帖由 pipi88 于 17-4-2009 12:41 PM 发表
我知道富爸爸，穷爸爸的理论．．

我想．．如果我５年内供完我那一间家．．　卖掉．．　若有３００千的话我可以再买另一间舒适一点的．．比如５００千．我拿ｆｌｅｘｉ　ｌｏａｎ　的话，借４５０　千，３００千丢进去省利息，而我的现金流有３００千。。。。而我只需要付１５０千的利息。。　

同时，我的薪金和家庭收入增加。。　那就不断地ｄｕｍｐ　ｉｎ　ａｃｃｅｓｓ　ｃａｓｈ　进我的贷款户口。。。尽快供完。　

可能不用１０年，我就有一所已经供玩了大概市值７００千的产业在手。到时，不用供家了。家庭收入全部ｍａｓｕｋ我的银行做私房钱～～～老公只需要付家里费用和小孩教育费。。。

不懂这样的计划，行不行的通呢？？　

BTW。。这个月尾应该破不到１７０千的Ｏｕｓｔａｎｄｉｎｇ　ｂａｌａｎｃｅ！！！因为买了ＸＢＯＸ　  　

你的计划是safe and secure，不一定每个人都要致富。

[ 本帖最后由 jasonhanjk 于 18-4-2009 10:21 AM 编辑 ]

尔齐

好的，我们讨论90/10的谜思吧！

tan８１，
＂其实正确的说法，应该是创意-- 〉资产---〉现金流。＂

最重要的观点是 １）创造资产 －－＞ ２）产生资产 －－＞３）制造现金流－－＞４）购买资产

第一项目最困难（大脑锻炼），没钱也可以做到。
i。创造运输工具， 没车， 找公司给车用的职业
ii。想要旅行， 找工作需要travelling的职业， travel on 商业费用
iii。你们有其他的例子吗？

上述的是不用钱也可以得到的例子， 将这项训练发展成创造资产吧


第二项目，创造资产做好自然而然地会有资产了。
i。可以偷鸡， 尝试用最少的金钱也可以啦


第三项目是要确定长期有现金流。（管理资产）
i。检查贷款，跟踪新近的贷款package， 等等。
ii。保持良好租客关系


第四项目， 当现金流足够多时， 重复第三项目。
i。简单，容易， 持之以恒最重要。


ps：这是根据房产观点， 大家可以分享其他的项目。

尔齐

“Most people don't,” I replied. “Most people find an investment planand think it is the only investment plan or the best investment plan,but few compare their plans to other plans. And the problem is, most people will not find out if their plan was the right plan until it'stoo late.”


我担心的是＂And the problem is, most people will not find out if their plan was the right plan until it'stoo late＂，

房产失败， 重来最困难。

我已经没几个１０年了！

唯有常常检讨。

tan81

你都写完了，想要我写什么？

如何创造资产？ 对于很多人来说很难。
其实关键点在于你是一个怎样的人。

很多成功的企业家，都有共同点或相似的人格。

如果一个人是有诚信的人，可以用他的诚信来创造资产的。当然要配合适当的技能。举个例子，巴菲特的第一间企业，是一家投资公司。他和朋友及亲戚集资，帮他们投资。由于是巴菲特的第一家公司，根本没有业绩可以参考。人们会把钱交给他，完全是信任他。很可惜的是，现在还是有许多人不把自己的人格当成一回事。

过后投资成功，他买下了一家纺织厂，就是现在Geico 保险的前身。也因此建立了Berkshire 的保险和投资臂膀。

第一个项目，创业才是最直接。很多人舍易取难。时常幻想自己可以在不需要放弃现在的工作，不需要放弃和家人的时间，只用金钱投资股票，投资房产，等时间累积回酬，就可以财务自由。问题就在这里，这是90%人的Plannning。不愿意离开自己的舒适区，本来就是90% 人的习惯。

要得到或完成一个目标，首先应该问自己，舒适区在哪里，不习惯的区域又是哪里？ 舒适区=Comfort Zone。要扩张自己的财务能力，必须扩张自己的适应能力，伸展到不舒适的区域。举个例子，你每个月的收入都是工资收入，就要尝试拥有和工资收入不一样的收入来源。如果定期，例如每3-4个月，自己都可以开拓一些不一样的收入，那么很快就看到自己的财务能力提升了。

我看到很多网友会投资股票的，就不会投资房产。会投资房产的，就不会投资股票。其实也不一定要2者都会。只是如果你的房产投资带来的收入，已经不再增加了，你就有必要突破它，增加它的收入，或开始通过股票来获取收入。

关于第一项的练习，是可以这样实践的。除了工资收入，你还可以做一些什么来换取收入？ 或者你曾经做过一些什么来换取收入？ 必须除了工资收入。你的答案越多，代表你创造资产的能力越强。

这些都是和社会或学校教导的事情不一样的。所以Robert 才一直强调财务教育的重要。偏偏有很多人拒绝让自己的财务继续受教育。

And the problem is, most people will not find out if their plan was the right plan until it's too late。很多人偏偏喜欢这样。

神魔

呵呵。楼上的别激动，　
你的说的2000 passive income我已经做到了。　
我所指的理论操作跟现实还是有点出路的。