如何成为有钱人分析解析.docx

如何成为有钱人分析解析.docx

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如何成为有钱人分析解析

Beingabillionairetakesmorethanabunchofzeroes.Theworldofinvestmentsandcapitalistumultuousandstrangetomost"regularfolk,"butthatdoesn'tmeanthatthere'sabarriertoyoubecomingabillionaire.WorkingyourwayupfromlittleornothingtoalifeinthelapofluxuryistheclassicAmericannarrative,butyou'vegottolearntocreateopportunitiesforyourself,investwisely,andholdontoyourwealthtomakeitworkforyou.SeeStep1formoreinstructions.

Part1of3:

CreatingOpportunities

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Studyup.Peopledonotbecomebillionairesbyaccident. Demystifyasmanyofthevariablesasyoucanbeforeyouassembleaplan,suchasinterestrates,taxbrackets,dividendsandsoon.Takeaclassonlineoratauniversityonfinance,readbooksaboutinvestingandknowtherules.

1.Studyfinanceandentrepreneurshiptolearnhowtoidentifymarketandconsumerneedsanddevelopbusinessmodelsbasedonthoseneeds.Cultivatingin-demandskillslikecomputerscienceandtechnologyisacriticalwaytogetinthefrontdoorofnewmediaandnewmoney.

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3.Readaboutsuccessfulbillionairesandhowtheymadetheirfortunes,suchasWarrenBuffettorJonHuntsman,Sr.Beingwisewithyourmoneyisthesurestwaytoamassmoreofit.

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Startsavingmoney. Ittakesmoneytomakemoney.Takeacertainamountofmoneyoutofyourpaycheckassoonasyougetpaidandputitinasavingsaccount,tobeusedforfutureinvestmentsortosimplycollectinterest.

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1.Decidewhatpercentageofyourearningsyoucanaffordtospareandstartthere-aslittleas$20perpaycheckwillstarttomakeadifferenceoverthreeorfouryears.Ifyoudecidetoputthatmoneytowardahigh-riskinvestment,thenyou'reonlyriskingwhatyoucanaffordtolose.

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StartanIndividualRetirementAccount（IRA）. Availablefrommostfinancialinstitutions,IRAsarecustomizablefinancialplansthatyoucansetuptostartsavingforthefuture.Ifyouwanttoendupsavinganamountofmoneythatendswithninezeroes,youneedtodothisassoonaspossible.You'llaccrueinterestonyoursavingsandelecttotakeanamountofriskininvestmentstomakemoneyoffthemoneyyouhave.[1]

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1.Dependingonthefinancialinstitution,youmayneedtoinvestaminimumamountofmoneytogetitstarted,oryoumaynot.Researchyouroptionsandtalktoyourfinancialadvisor.

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Payoffyourcreditcarddebt. It'shardtogetaheadifyouhavedebtsofanykindhangingoveryourhead.Studentloansandcreditcarddebtneedstobepaidoffassoonaspossible.Theaverageannualpercentageratesvaryanywherebetween20%and30%whichmeansthebalancewillendupkeepgrowingifyoudon'tgetontopofitsoonerratherthanlater.[2]

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Makeafive-yearplan. Calculateaconservativeestimateofhowmuchmoneyyoucouldmanagetosaveover5years.Dependingontheamount,decidewhatthebestuseofyourmoneyshouldbe,whetherit'sinvesting,startingabusinessorsimplyallowingthemoneytocontinuetocollectinterest.

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1.Keepyourplanurgent.Makesureyourideasstayatthefrontofyourmindbywritingthemdownandreferringbacktothemregularly.Ifyouhaveahardtimestayinginterestedinprojects,writedownremindersaboutyourplanandputthemsomewhereyougoeveryday-forinstance,onthebathroommirrororthedashboardofyourcar.

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Part2of3:

Investing

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Buyrealestate. Acommonwaytomakemoremoneyistoinvestinrealestate.Propertywillgenerallyappreciateinvalueovertime,andmightgiveyouagoodreturnonyourinvestment.Yourinvestmentcanbe flipped, rented,or developed.

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1.Bewaryofinvestinginanartificiallyinflatedmarket,andmakesurethatyoucaneasilypaythemonthlymortgage.Ifyoudon'tknowmuchaboutthe2008subprimemortgagecrisisintheUnitedStates,itmightbeagoodideatoreaduponitandlearnfromafewcautionarytales.

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Investinbusiness. Startingyourownbusiness or buyingintoone canbeasolidwaytomakemoneyoveralongterm.Createorchooseacompanythatoffersaproductorservicethatyouwouldbuyyourself,andputyourtimeandmoneytowardimprovingit.Becomeknowledgeableabouttheindustryyouwishtogointoandlearntodifferentiatebetweengoodandbadbusinessinvestments.

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1.Investingingreenenergyandcomputertechnologyisagoodplanforthefuture.Thesebusinessesareprojectedtogrowoverthenextdecades,meaningthatgettinginonthegroundfloornowwouldbeasmartinvestment.

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Buyandsellstocks. Thestockmarketcanbeagreatplacetogrowyourfortune.Watchthemarketscarefullybeforeyoustarttobuyandpayattentiontowhichstocksdowell;gatheringthisinformationwillhelpyoumakesmartpurchasesinthefuture.Onceyouinvest,understandthatmoststocksappreciateoverthelongterm.Rideoutsmalldecreasesinvalueifyoucanandtaketheoccasionalrisk.

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1.Dividendreinvestmentplans（DRPs）anddirectstockpurchaseplans（DSPs）bypassbrokers（andtheircommissions）bybuyingdirectlyfromcompaniesortheiragents.Theseareofferedbymorethan1,000majorcorporations,andyoucaninvestaslittleas$20-30permonthandcanbuyfractionalsharesofstocks.

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PutyourmoneyintoMoneyMarketAccounts（MMAs）. Theseaccountshaveahigherminimumaccountthanaregularsavingsaccount,butaccruestwicetherateofinterestofasavingsaccount.High-yieldMMAsaresomewhatrisky--yourabilitytodrawonthemoneyandyourabilitytoaffectitsinvestmentsarelimited--butit'sagoodwaytoletyourmoneygrowbydoing,essentially,nothing.

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Investingovernmentbonds. Bondsareinterestcertificatesissuedbygovernmentagencies,inparticulartheTreasury,whichoffernoriskofdefault.Becausethegovernmentcontrolstheprintingpressesandcanprintwhatevermoneyisrequiredtocovertheprincipal,thesearerelativelysafeinvestmentsandagoodwaytodiversifyyourmoney.

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1.Talktoabrokeryou'vedevelopedarelationshipandcultivateabond-buyingplanoverthenextseveralyearstodiversifyyourportfolioandkeepyourmoneyindifferentplaces.

Part3of3:

MaintainingWealth

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Consultbrokersforgoodadvice. Yourmoneyisasgoodastheadviceyoureceiveaboutit.Ifyoustarttoaccrueaconsiderableamountofwealth,you'renotgoingtowanttospendallyourtimehuddledinfrontofamonitorwatchingthestockschangebyfractionsofapercentage.You'regoingtowanttobeoutlivingyourlife.Surroundyourselfwithgoodfinancialadvisorsandbrokersthatyoutrustwhowillworkforyoutokeepyouraccountsswellingwithexcessfunds.

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Diversifyyourportfolioandinvestments. Don'tkeepallyourmoneyinoneplace.Bydiversifyingyourportfolioandinvestinginstocks,realestate,mutualfunds,bonds,andotherinvestmentsrecommendedbyyourbrokers,you'rebothensuringthatyourmoneywillbeisolatedindifferentmarketsthatbehavedifferently.IfyouendupmakingariskyinvestmentinShamWowabsorbenttowelsanditendsuptanking,atleastyou'vestillgotaconsiderableamountofmoneyinotherventures.[3]

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Makesmartfinancialdecisions. TheInternetisfullofpennystockschemesandget-rich-quickhokumthatpreysupontheignorantandforcesgulliblepeopleintomakingbadfinancialdecisions.Dotheresearchandcommittoalifetimeofinvestingandmakingmoney.There'snosuchthingasanovernightbillionaire.

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1.Whenindoubt,beconservativewithyourinvestments.Ifyou'vegotyourmoneydiversifiedwisely,lettinginterestaccrueandlettingthemarketsfluctuatewillprobablybeasmarterdecisioninthelongrun.Lessismore.Ratherthanactivelymonkeyingaroundwithyourmoney,waititout.

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Knowwhentogetout. Atacertainpoint,you'regoingtohavetoknowwhentopullthetriggerandgetoutofsomethingbeforeitcollapsesfromunderyou.Ifyou'vesurroundedyourselfwithsmartbrokers,listentotheiradvice,butalsoknowwhentolistentoyourgut.

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1.Ifyouseeanopportunitytosellbigandmakeaprofit,doit.Profitisprofit.Evenifthatstockendsupappreciatinginthenextyear,you'vestillmadesomecoinsthatyoucanreinvestelsewhere.There'snoonewaytoinvest.

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Actthepart. Ifyou'regoingtobeabillionaire,you'vegottoactlikeone.Surroundyourselfwithmoneyedandculturedpeople,pickingupadviceandknow-howfromtheexperienced.

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1.Cultivateinterestsin fineart,finedining,andtravel.Considerbuyingayachtoranyoftheotherstandardtrappingsofthewealthy.

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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