Shenzhen realty 深圳房产

financial experts tell us: the best way to finance is not the pursuit of high finance and investment skills, as long as you master the correct financial management concepts, and on a regular basis, after a number of years - everyone can become a millionaire.

I held monthly to the corporate one-hour free “financial seminars,” has always been welcomed by employees. Rarely talks involve complex difficult to understand the technical operational level, it almost does not enter the Products link, as far as I know, the domestic general white-collar middle class who is currently a general lack of financial management of several important concepts - these concepts, will affect their future behavior, if they can be an honest implementation of these financial management concept, at least more than 10 years, then everyone can become a millionaire.

the first financial management concept:

distinction between “investment” and “consumer”

distinction between ” investment “behavior and” consumer “behavior. Most people before consumption, there is no such concept, study of economics will be considered before human consumption, the consumption is “investment” behavior or “consumer” behavior.

first see an obvious example:

10 years ago, A and B is the undergraduate students in social work 5 years later, the same savings of 30 million yuan. 5 years ago, they spent 300,000 yuan this.

A to Tongzhou bought a suite.

B to buy a “Audi.”

5 years later:

A house, worth 600,000 yuan.

B of second-hand car market value of only 50,000 yuan.

two current assets, obviously a great difference, but their incomes are the same, but the same qualifications, the basic with the same social experience, why do we not the same as wealth?

to spend money to buy a house is a “investment” behavior - in fact, did not spend the money out, a diversion away from the house in the future, or are the property of their own.

B to spend money to buy a car is a “consumer” behavior - money has been spent out, to the others, second-hand car used 10 years later, almost is not worth one point. Not the same car with the house, the house 10 years later, maybe a good time, nothing has been turned over.

look at the second example:

One day, my secretary asked me a question: Chen teacher, I find that clients have a little bit strange. She said: A customer to buy a concert ticket, 300 yuan, he嫌贵, hesitated a long time, and never buy, but the customer is not a lack of money. However, on one occasion, there is a well-known enterprises, president of publishing a set of “teach the management of” CD-ROM, six discs sold 1,500 yuan price, the customer A did not hesitate to buy it. Why ￥ 300 concert tickets, a customer嫌贵, but ￥ 1500 to buy a few CD-ROM it?

answers are as follows: A customer is to learn the knowledge of economics applied to daily life, each and every customer a time to spend money, will first think that money is the ‘investment’ acts or ‘consumer’ acts?

buy a CD-ROM, which is 1,500 yuan “investment” behavior, it in fact did not take off, it grew by a knowledge of customers, offering customers a more wisdom, in the coming days, a customer with a new school wisdom, will earn 1,500 yuan several times, money is always also a customer’s pocket.

but to buy concert tickets, is the “consumption” acts, which are open to the others, no longer do not get back.

in life, there are more day-to-day examples:

(1) A customer will spend 30,000 yuan to buy a painting, but will not spend to buy 30,000 second-hand car.

(2) A customer will spend 10,000 to buy life insurance, but will not spend 10,000 vacation to Europe.

(3) A customer will be very willing to spend money to buy books, but not willing to spend money to go to the movies.

more than what is “investment” behavior, those who are “consumer” behavior, everyone will have their own judgments. Here are more examples, if an “investment” act, then do not have to bargain more expensive, because the money will eventually go their own.

rich people are “confused a little money, smart money”, the average person is “a little money smart, big stupid.”

some people with high income, but less wealth, because he spent in the “consumer” behavior, a majority of customers spent on “investment” behavior. Spent on “investment” behavior on the money, did not fall on someone else, and finally in spite of themselves.

second fiscal concept:

“Harvard” doctrine

everyone every month part of the savings will pay up, some people pay 10 percent savings, some 20 percent, some 30%. Most people are a month later, did not take out the money to save up, but the number of the basic monthly savings off the mark.

in the famous Harvard University, the first U.S. institutions, the First Church of the economics class, only two concepts taught.

second concept: every month, saving 30% of wages, remaining before consumption.

out of Harvard to teach people, after the very rich, not primarily because they are the elite, who earn fat, but the conduct of their monthly with ordinary people in general, there is only one not the same as:

Harvard dogma: saving 30 percent of wages are hard, leaving only the consumer. Monthly savings of money is the most important goal of each month, it will only over-fulfilled, the remaining money is increasing.

ordinary people: first to spend money, how much savings can be left how much the rest of the money savings are not many.

fiscal third concept:

“three sentences of financial management”

financial management can not get out of three sentences, if everything can be thoroughly and fully implemented, then the wage earners can become very rich.

many friends all know that a customer’s origin - refugees, nothing. Canada is also a school of economics with scholarships, seven brothers and sisters at home, do not have the money to send customers to a university, the university, have never asked the family took the money. After graduating from employees, but customers insist on a “fiscal three sentences” principle, with the knowledge learned in economics, used in daily life, a step-by-step down. Now after 20 years, customers have a 4 suites, the monthly rent collection, there are more than 10,000 of income, it can be considered half of rich people.

In fact, everyone do it, in this open secret. Before these important financial management concepts, which have taught courses.

cite some examples for everyone to see: Buffett’s books in his 6-year-old said he started to savings, 30 per month. To 13-year-old, when he had 3 1000, he bought a stock. Persist in the middle of savings, investment persist year after year, decade, he insisted on 80 years. Now 85 years old, is the richest man in the United States than the “Microsoft” Chairman Bill Gates have the money.

Sometimes students will ask, how can the annual return rate of more than 10%. A: Actually, now inside the bank, they offer a lot of financial products: funds, foreign currency, QDII. These banking products that the risk of a slight, but the risk if you can effectively manage it, 10% rate of return in fact it is not difficult.

most people the wrong concept of financial management:

earn more, so rich

Many people think that a monthly income of 15,000 yuan, 8,000 yuan monthly income of B, A B should be more than the rich, this concept is widespread in the community. But this is the wrong concept of a very outrageous wrong. What is wrong? The definition of the rich, not the monthly salary you earn more, but your monthly “How much” - the rest is the wealth. See examples:

Americans earning a monthly salary of high-China two or three times, according to the general concept, the general of Americans should be richer than the Chinese. But the reality is not like this. Americans generally have several credit cards, they like spending a month is not only “moonlight clan”, more commonly is a lot of debts owed by credit card. In the United States, financial planning division of the financial talks, the general spent stresses “how to reduce your debt.”

ordinary Americans, bank savings are not enough a few thousand dollars. In China, it does not happen, the Chinese people are good savers, most people have in the bank deposits, more than a dozen million, the number of people are still many.

So, do not think that Americans earn more than a month on the wealthy. In fact, the general white-collar Americans than Chinese people poorer than white-collar workers. Of course, in Beijing to see a lot of assignment to Beijing to work in the old United States, the elite of the United States, the United States is not an ordinary white-collar workers, the majority of the rich.

China’s middle-level white-collar workers, rich white-collar workers than in the United States. Please keep in mind: the rich would not compare the monthly wage, but more “to save the remaining deposits in the bank,” to this definition, the Chinese people in the middle-level white-collar bank deposits, far more American white-collar middle-high.

still have one more example:

Most people think that the people of Taiwan the mainland than doubled the average wage, they will naturally than we are rich, this is a wrong concept.

been to Taiwan’s friends all know that the average one-way Taiwan MTR is 12 yuan, Beijing is 3 yuan; Taiwan lunch an average of 50 yuan, Beijing, an average of 15 yuan; rented a suite in Taiwan, 6500 yuan, Beijing Tongzhou rented a suite 1,500 yuan. If Taiwan earned 15,000 yuan a month, after deducting the rent 6500 yuan, transportation costs 1,000 yuan, 300 yuan for dinner, tax 1,500 yuan, 2,000 yuan a little bit of entertainment, “the remaining 1,000 yuan a month.”

Beijing junior engineers, the monthly wages of 8,000 yuan, 1,000 yuan, less taxes, less 1,500 yuan rent, transportation costs 300 yuan, 1,000 yuan for dinner, entertainment 1,000 yuan, “a month remaining 3200 yuan. “

would like to ask: is the monthly wages of the people of Taiwan 15,000 yuan, 1,000 yuan a month only the rich people, or Beijing engineers, earning a monthly salary of only 8,000 yuan, but the rest of 3200 yuan per month richest person it?

China after 20 years of reform, has created a wealthy group of people, see the “Fortune” magazine a year ago, the “rich” people’s investigation report, they hold on hand to investigate the “cash deposits of one million U.S. dollars “and in Asia the number of people having such wealth.

The answer is: Hong Kong, 40,000 people, 80,000 people in Taiwan, Japan 120000, China 300000. China’s annual growth rate far exceeded the other Asian countries. So people do not feel strange, foreign banks opened in Beijing, always in the promotion of “financial services”, because China this place, it is a comparative lack of knowledge.

Chinese version:人人都能成为百万富翁 理财必须吃透三句话

理财专家告诉我们：理财的最佳方式并非追求高超的金融投资技巧，只要你掌握正确的理财观念，并且持之以恒，若干年之后——人人都能成为百万富翁。

我每月到企业举办一小时的免费“理财讲座”，一直都很受员工们的欢迎。讲座内容很少涉及复杂难懂的技术操作层面，也几乎不进入到产品介绍环节，因为据我了解，国内一般的中产白领们，目前普遍缺乏的是几个重要的理财概念——这些概念，会影响他们以后的行为，假如他们能老老实实执行这些理财上的概念，至少坚持10年以上，那么，每一个人都能成为百万富翁。

第一个理财概念：

区分“投资”与“消费”

区分“投资”行为与“消费”行为。一般人消费前，没有这种概念，学经济学的人消费前会考虑，这个消费是属于“投资”行为或是“消费”行为。

先请看一个明显的例子：

10年前甲和乙是本科的同学，在社会工作5年后，不约而同积蓄了30万元人民币。5年前，他们都花掉了这30万元。

甲去通州购买了一套房。

乙去买了一辆“奥迪”。

5年后的今天：

甲的房子，市值60万元。

乙的二手车，市值只有5万元。

两人目前的资产，明显有了很大差异，但他们的收入都一样，而且同样学历、基本具备同样的社会经验，为何大家财富不一样？

甲花钱买房是“投资”行为——钱其实没有花出去，只是转移在了房子里，以后还是都归自己。

乙花钱买车是“消费”行为——钱是花出去的，给了别人，二手车用过10年后，几乎一分不值。车跟房子不一样，房子10年后，说不定已翻了好几番。

再看第二个例子：

有一天，我的秘书向我提出一个问题：陈老师，我觉得客户甲有点怪。她说：客户甲去买一张演唱会的票，300元他嫌贵，犹豫很久，始终没买，但客户甲其实并不缺钱。但有一次，有一个著名企业总裁出版了一套“教导管理”光盘，6张光盘卖到天价1500元，客户甲却毫不犹豫将它买下来。为何￥300演唱票，客户甲嫌贵，却去买￥1500的几张光盘呢？

解答如下：客户甲是将学的经济学的知识应用到日常生活里，客户甲每花费钱的时候，会先想这花钱是‘投资’行为或是‘消费’行为？

买光盘，这1500元是“投资”行为，它其实没有花出去，它增长了客户甲的知识，让客户甲更有智慧，在未来的日子，客户甲用新学的智慧，会赚回1500元的好几倍，钱始终还在客户甲的口袋。

但购买演唱会的票，是“消费”行为，是给了别人，再也拿不回来了。

在生活中，还有更多的日常例子：

（1） 客户甲会花3万人民币去买一幅油画，但不会花3万去买二手车。

（2） 客户甲会花1万去买人寿保险，但不会花1万去欧洲度假。

（3） 客户甲会很舍得花钱买书，但不舍得花钱去看电影。

以上哪些是“投资”行为，那些是“消费”行为，每个人都会有自己的判断。下面是更多的例子，如果属于“投资”行为，那么，多贵都不必讨价还价，因为钱最终还是归自己。

富有的人是“小钱糊涂，大钱聪明”，一般的人是“小钱精明，大钱糊涂”。

有些人收入高，但财富少，原因是他花费在“消费”行为上，客户甲大部分花费在“投资”行为中。花在“投资”行为上的钱，没有落在别人手里，最后还归自己。

第二个理财概念：

“哈佛”教条

大家每个月都会将工资一部分储蓄起来，有些人储蓄10%工资，有些20%，有些30%。大部分人是一个月后，把没有花出去的钱储蓄起来，而且每个月储蓄多少基本没谱。

在著名的美国第一学府哈佛大学，第一堂的经济学课，只教两个概念。

第二个概念：每月先储蓄30%的工资，剩下来才进行消费。

哈佛教导出来的人，以后都很富有，并非主要因为他们是名校出身、收入丰厚，而是他们每月的行为，跟一般的普通老百姓，只有一点不一样：

哈佛教条：储蓄30%的工资是硬指标，剩下才消费。每月储蓄的钱是每月最重要的目标，只会超额完成，剩下的钱就越来越多。

一般人：先花钱，能剩多少便储蓄多少，储蓄剩下的钱并不多。

第三个理财概念：

“理财三句话”

理财走不出三句话，如果每句话都能吃透，并且完全执行，那么，打工一族都可以变得非常富有。

很多朋友都知道客户甲的出身——难民，一无所有。到加拿大学经济学也是拿着奖学金，家里七兄弟姐妹，没有钱送客户甲们上大学，上大学后，从来没问家里拿过钱。毕业后打工，但客户甲坚持“理财三句话”原则，用经济学学到的学问，用到日常生活里，一步步走下去。现在20年后，客户甲有4套房，每月收租便有1万多的收入，也算是半个富有的人。

其实每个人都做得到，在这公开这秘密。以前这些重要的理财概念，课程里面都有教。

再举一些实例给大家看：巴菲特在他的书本里说他6岁开始储蓄，每月30块。到13岁时，当他有了3千块，他买了一只股票。年年坚持储蓄，年年坚持投资，十年如一日，他坚持了80年。现在85岁，是美国首富，比“微软”主席比尔·盖茨还有钱。

学员有时候会问，如何能每年回报率达到10%以上。答：其实现在要银行里面，它们提供很多理财产品：基金，外币，QDII。 这些银行产品略有一点风险，但风险假如你能有效的管理它，10%的回报率其实也不难。

一般人错误的理财观念：

挣得多，所以富有

很多人认为，甲收入每月1.5万元，乙收入每月8000元，甲便应该比乙富有，这观念在社会上很普遍。但这是错的观念，错得很离谱。错在哪里？富有的定义，并不是你每月工资挣得多，而是你每月“剩下多少”——剩下的才是财富。请看例子：

美国人每月工资高中国二、三倍，照一般的观念看，一般的美国人应比中国人富有。但实际情况却不是这样。一般美国人都有几张信用卡，他们喜欢消费，每月不单只是“月光一族”，更普遍是欠下信用卡不少的债。在美国，理财规划师的理财讲座，一般时间花在讲“如何减少你的债务”。

一般美国人，银行的储蓄都不够美金几千元。在中国，没有这种情况，中国人善于储蓄，一般人在银行都有存款，超过十几万元的，人数还不少。

所以，不要以为老美每月挣钱多就富有。其实，一般老美的白领比中国人的白领穷得多。当然，在北京见到的很多外派到北京工作的老美，是美国的精英，不是一般的美国白领，有钱人占多数。

中国的中层白领，比美国的白领富有。请记住：富有不是比较每月工资，而是比较“剩下储蓄在银行里的存款”，以这个定义来讲，中国人中层白领在银行的存款，远比美国中层白领高。

还有一个例子：

一般人以为台湾人工资平均高出内地一倍，他们自然比我们富有，这也是一个错误的观念。

去过台湾的朋友都知道，台湾地铁单程平均是12元，北京是3元；台湾午饭平均要50元，北京平均15元；在台湾租一套房6500元，北京在通州租一套房1500元。假如台湾人每月挣15000元，减去房租6500元，交通费1000元，吃饭300元，交税1500元，一点点娱乐2000元，“每月剩下1000元”。

北京的初级工程师，每月工资8000元，减去交税1000元，减去房租1500元，交通费300元，吃饭1000元，娱乐1000元，“每月剩下3200元”。

请问：是台湾人每月工资15000元，每月只剩下1000元的人富有，还是北京工程师，每月工资只有8000元，但每月剩下3200元的人富有呢？

中国经过20多年的改革，已经造就了富有的一批人，请看《财富》杂志一年前的“富有”的人的调查报告，他们调查手头上持有“现金100万美元存款的人”，在亚洲区有多少人拥有这种财富。

答案是：香港4万人，台湾8万人，日本12万，中国30万。中国每年增长率远远超出其他亚洲国家。所以人们不会觉得奇怪，外资银行到北京开业，老是在推广“理财服务”，因为中国这个地方，正是比较欠缺这一块的知识。

2007-09-20

标签： money, people, yuan