如何成为有钱人分析解析Word格式.docx
- 文档编号:20254648
- 上传时间:2023-01-21
- 格式:DOCX
- 页数:17
- 大小:2.09MB
如何成为有钱人分析解析Word格式.docx
《如何成为有钱人分析解析Word格式.docx》由会员分享,可在线阅读,更多相关《如何成为有钱人分析解析Word格式.docx(17页珍藏版)》请在冰豆网上搜索。
1.Studyfinanceandentrepreneurshiptolearnhowtoidentifymarketandconsumerneedsanddevelopbusinessmodelsbasedonthoseneeds.Cultivatingin-demandskillslikecomputerscienceandtechnologyisacriticalwaytogetinthefrontdoorofnewmediaandnewmoney.
2.
3.Readaboutsuccessfulbillionairesandhowtheymadetheirfortunes,suchasWarrenBuffettorJonHuntsman,Sr.Beingwisewithyourmoneyisthesurestwaytoamassmoreofit.
3.
2
4.
Startsavingmoney.
Ittakesmoneytomakemoney.Takeacertainamountofmoneyoutofyourpaycheckassoonasyougetpaidandputitinasavingsaccount,tobeusedforfutureinvestmentsortosimplycollectinterest.
5.
1.Decidewhatpercentageofyourearningsyoucanaffordtospareandstartthere-aslittleas$20perpaycheckwillstarttomakeadifferenceoverthreeorfouryears.Ifyoudecidetoputthatmoneytowardahigh-riskinvestment,thenyou'
reonlyriskingwhatyoucanaffordtolose.
1.
3
StartanIndividualRetirementAccount(IRA).
Availablefrommostfinancialinstitutions,IRAsarecustomizablefinancialplansthatyoucansetuptostartsavingforthefuture.Ifyouwanttoendupsavinganamountofmoneythatendswithninezeroes,youneedtodothisassoonaspossible.You'
llaccrueinterestonyoursavingsandelecttotakeanamountofriskininvestmentstomakemoneyoffthemoneyyouhave.[1]
1.Dependingonthefinancialinstitution,youmayneedtoinvestaminimumamountofmoneytogetitstarted,oryoumaynot.Researchyouroptionsandtalktoyourfinancialadvisor.
4
Payoffyourcreditcarddebt.
It'
shardtogetaheadifyouhavedebtsofanykindhangingoveryourhead.Studentloansandcreditcarddebtneedstobepaidoffassoonaspossible.Theaverageannualpercentageratesvaryanywherebetween20%and30%whichmeansthebalancewillendupkeepgrowingifyoudon'
tgetontopofitsoonerratherthanlater.[2]
6.
5
7.
Makeafive-yearplan.
Calculateaconservativeestimateofhowmuchmoneyyoucouldmanagetosaveover5years.Dependingontheamount,decidewhatthebestuseofyourmoneyshouldbe,whetherit'
sinvesting,startingabusinessorsimplyallowingthemoneytocontinuetocollectinterest.
8.
1.Keepyourplanurgent.Makesureyourideasstayatthefrontofyourmindbywritingthemdownandreferringbacktothemregularly.Ifyouhaveahardtimestayinginterestedinprojects,writedownremindersaboutyourplanandputthemsomewhereyougoeveryday-forinstance,onthebathroommirrororthedashboardofyourcar.
Part2of3:
Investing
Buyrealestate.
Acommonwaytomakemoremoneyistoinvestinrealestate.Propertywillgenerallyappreciateinvalueovertime,andmightgiveyouagoodreturnonyourinvestment.Yourinvestmentcanbe
flipped,
rented,or
developed.
1.Bewaryofinvestinginanartificiallyinflatedmarket,andmakesurethatyoucaneasilypaythemonthlymortgage.Ifyoudon'
tknowmuchaboutthe2008subprimemortgagecrisisintheUnitedStates,itmightbeagoodideatoreaduponitandlearnfromafewcautionarytales.
Investinbusiness.
Startingyourownbusiness
or
buyingintoone
canbeasolidwaytomakemoneyoveralongterm.Createorchooseacompanythatoffersaproductorservicethatyouwouldbuyyourself,andputyourtimeandmoneytowardimprovingit.Becomeknowledgeableabouttheindustryyouwishtogointoandlearntodifferentiatebetweengoodandbadbusinessinvestments.
1.Investingingreenenergyandcomputertechnologyisagoodplanforthefuture.Thesebusinessesareprojectedtogrowoverthenextdecades,meaningthatgettinginonthegroundfloornowwouldbeasmartinvestment.
9.
10.
11.
Buyandsellstocks.
Thestockmarketcanbeagreatplacetogrowyourfortune.Watchthemarketscarefullybeforeyoustarttobuyandpayattentiontowhichstocksdowell;
gatheringthisinformationwillhelpyoumakesmartpurchasesinthefuture.Onceyouinvest,understandthatmoststocksappreciateoverthelongterm.Rideoutsmalldecreasesinvalueifyoucanandtaketheoccasionalrisk.
12.
1.Dividendreinvestmentplans(DRPs)anddirectstockpurchaseplans(DSPs)bypassbrokers(andtheircommissions)bybuyingdirectlyfromcompaniesortheiragents.Theseareofferedbymorethan1,000majorcorporations,andyoucaninvestaslittleas$20-30permonthandcanbuyfractionalsharesofstocks.
13.
14.
15.
PutyourmoneyintoMoneyMarketAccounts(MMAs).
Theseaccountshaveahigherminimumaccountthanaregularsavingsaccount,butaccruestwicetherateofinterestofasavingsaccount.High-yieldMMAsaresomewhatrisky--yourabilitytodrawonthemoneyandyourabilitytoaffectitsinvestmentsarelimited--butit'
sagoodwaytoletyourmoneygrowbydoing,essentially,nothing.
16.
17.
18.
19.
Investingovernmentbonds.
Bondsareinterestcertificatesissuedbygovernmentagencies,inparticulartheTreasury,whichoffernoriskofdefault.Becausethegovernmentcontrolstheprintingpressesandcanprintwhatevermoneyisrequiredtocovertheprincipal,thesearerelativelysafeinvestmentsandagoodwaytodiversifyyourmoney.
20.
1.Talktoabrokeryou'
vedevelopedarelationshipandcultivateabond-buyingplanoverthenextseveralyearstodiversifyyourportfolioandkeepyourmoneyindifferentplaces.
Part3of3:
MaintainingWealth
Consultbrokersforgoodadvice.
Yourmoneyisasgoodastheadviceyoureceiveaboutit.Ifyoustarttoaccrueaconsiderableamountofwealth,you'
renotgoingtowanttospendallyourtimehuddledinfrontofamonitorwatchingthestockschangebyfractionsofapercentage.You'
regoingtowanttobeoutlivingyourlife.Surroundyourselfwithgoodfinancialadvisorsandbrokersthatyoutrustwhowillworkforyoutokeepyouraccountsswellingwithexcessfunds.
Diversifyyourportfolioandinvestments.
Don'
tkeepallyourmoneyinoneplace.Bydiversifyingyourportfolioandinvestinginstocks,realestate,mutualfunds,bonds,andotherinvestmentsrecommendedbyyourbrokers,you'
rebothensuringthatyourmoneywillbeisolatedindifferentmarketsthatbehavedifferently.IfyouendupmakingariskyinvestmentinShamWowabsorbenttowelsanditendsuptanking,atleastyou'
vestillgotaconsiderableamountofmoneyinotherventures.[3]
Makesmartfinancialdecisions.
TheInternetisfullofpennystockschemesandget-rich-quickhokumthatpreysupontheignorantandforcesgulliblepeopleintomakingbadfinancialdecisions.Dotheresearchandcommittoalifetimeofinvestingandmakingmoney.There'
snosuchthingasanovernightbillionaire.
1.Whenindoubt,beconservativewithyourinvestments.Ifyou'
vegotyourmoneydiversifiedwisely,lettinginterestaccrueandlettingthemarketsfluctuatewillprobablybeasmarterdecisioninthelongrun.Lessismore.Ratherthanactivelymonkeyingaroundwithyourmoney,waititout.
Knowwhentogetout.
Atacertainpoint,you'
regoingtohavetoknowwhentopullthetriggerandgetoutofsomethingbeforeitcollapsesfromunderyou.Ifyou'
vesurroundedyourselfwithsmartbrokers,listentotheiradvice,butalsoknowwhentolistentoyourgut.
1.Ifyouseeanopportunitytosellbigandmakeaprofit,doit.Profitisprofit.Evenifthatstockendsupappreciatinginthenextyear,you'
vestillmadesomecoinsthatyoucanreinvestelsewhere.There'
snoonewaytoinvest.
Actthepart.
Ifyou'
regoingtobeabillionaire,you'
vegottoactlikeone.Surroundyourselfwithmoneyedandculturedpeople,pickingupadviceandknow-howfromtheexperienced.
1.Cultivateinterestsin
fineart,finedining,andtravel.Considerbuyingayachtoranyoftheotherstandardtrappingsofthewealthy.
3.There'
sadistinctionbetween"
oldmoney"
and"
newmoney."
Newmoneyistypicallyaderogatorytermforpeoplewho'
vejustmadealotofcashquicklyandliveostentatiously,spendinglotsoftheirmoneyandlivingalavishlifestyle.Ifyouwanttoholdontoyourwealth,learnfromoldmoneyandascendtothestratosphere.
Tips
∙Learntotakecalculatedrisks.Yourmoneywillearninterestwhileitsitsinthebank,butitwillearnalotmoreifyouuseitinsmart,somewhatriskyways.
∙Becreative.Ifyouwanttostartabusinessorinvestinone,trytocomeupwithananglethatnooneelsehasconsidered.
∙Apropertimemanagementandroutinecanaddaproperframeworkofyourwork.Savingtimeandutilizingitfortheotherworkwouldaddasgaintoyourmoney.
Warnings
∙Stayawayfromget-richscams.Thesecanrunfrompeoplepromisingtotellyouhowtoplaythestockmarket,tosomeonecla
- 配套讲稿:
如PPT文件的首页显示word图标,表示该PPT已包含配套word讲稿。双击word图标可打开word文档。
- 特殊限制:
部分文档作品中含有的国旗、国徽等图片,仅作为作品整体效果示例展示,禁止商用。设计者仅对作品中独创性部分享有著作权。
- 关 键 词:
- 如何 成为 有钱人 分析 解析