手机浏览器扫描二维码访问
Rich Dads Financial Statement
Ine 》 Expense
Asset 》 Liability
A review of my rich dads financial statement is why the rich get richer。 The asset column generates more than enough ine to cover expenses; with the balance reinvested into the asset column。 The asset column continues to grow and; therefore; the ine it produces grows with it。
The result being: The rich get richer!
Why the Rich Get Richer
Ine …》 Assets …》 More Ine
Expenses are low; Liabilities are low
The middle class finds itself in a constant state of financial struggle。 Their primary… ine is through wages; and as their wages increase; so do their taxes。 Their expenses tend to increase in equal increments as their wages increase; hence the phrase 〃the rat race。〃 They treat their home as their primary asset; instead on investing in ine…producing assets。
Why the Middle Class Struggle
Ine goes up; Expenses go up
Assets do not increase; Liabilities do increase
This pattern of treating your home as an investment and the philosophy that a pay raise means you can buy a larger home or spend more is the foundation of todays debt…ridden society。 This process of increased spending throws families into greater debt and into more financial uncertainty; even though they may be advancing in their jobs and receiving pay raises on a regular basis。 This is high risk living caused by weak financial education。
The massive loss of jobs in the 1990s…the downsizing of businesses…has brought to light how shaky the middle class really is financially。 Suddenly; pany pension plans are being replaced by 401k plans。 Social Security is obviously in trouble and cannot be looked at as a source for retirement。 Panic has sei in for the middle class。 The good thing today is that many of these people have recognized these issues and have begun buying mutual funds。 This increase in investing is largely responsible for the huge rally we have seen in the stock market。 Today; there are more and more mutual funds being created to answer the demand by the middle class。
Mutual funds are popular because they represent safety。 Average mutual fund buyers are too busy working to pay taxes and mortgages; save for their childrens college and pay off credit cards。 They do not have time to study to learn how to invest; so they rely on the expertise of the manager of a mutual fund。 Also; because the mutual fund includes many different types of investments; they feel their money is safer because ii is 〃diversified。〃
This group of educated middle class subscribes to the 〃diversify〃 dogma put out by mutual fund brokers and financial planners。 Play it safe。 Avoid risk。
The real tragedy is that the lack of early financial education is what creates the risk faced by average middle class people。 The reason they have to play it safe is because their financial positions are tenuous at best。 Their balance sheets are not balanced。 They are loaded with liabilities; with no real assets that generate ine。 Typically; their only source of ine is their paycheck。 Their livelihood bees entirely dependent on their employer。
So when genuine 〃deals of a lifetime〃 e along; those same people cannot take advantage of the opportunity。 They must play it safe; simply because they are working so hard; are taxed to the max; and are loaded with debt。
As I said at the start of this section; the most important rule is to know the difference between an asset and a liability。 Once you understand the difference; concentrate your efforts on only buying ine…generating assets。 Thats the best way to get started on a path to being rich。 Keep doing that; and your asset column will grow。 Focus on keeping liabilities and expenses down。 This will make more money available to continue pouring into the asset column。 Soon; the asset base will be so deep that you can afford to look at more speculative investments。 Investments that may have returns of 100 percent to infinity。 Investments that for 5;000 are soon turned into 1 million or more。 Investments that the middle class calls 〃too risky。〃 The investment is not risky。 Its the lack of simple financial intelligence; beginning with financial literacy; that causes the individual to be 〃too risky;〃
If you do what the masses do; you get the following picture。
Ine = Work for Owner
Expense = Work for Government
Asset = (none)
Liability = Work for Bank
As an employee who is also a homeowner; your working efforts are generally as follows:
1。 You work for someone else。 Most people; working for a paycheck; are making the owner; or the shareholders richer。 Your efforts and success will help provide for the owners success and retirement。
2。 You work for the government。 The government takes its share from your payc
从农村考入大学的庾明毕业后因为成了老厂长的乘龙快婿,后随老厂长进京,成为中央某部后备干部,并被下派到蓟原市任市长。然而,官运亨通的他因为妻子的奸情发生了婚变,蓟原市急欲接班当权的少壮派势力以为他没有了后台,便扯住其年轻恋爱时与恋人的越轨行为作文章,将其赶下台,多亏老省长爱惜人才,推荐其参加跨国合资公司总裁竞聘,才东山再起然而,仕途一旦顺风,官运一发不可收拾由于庾明联合地方政府开展棚户区改造工程受到了中央领导和老百姓的赞誉。在省代会上,他又被推举到了省长的重要岗位。一介平民跃升为省长...
书名?阅女无限??呵呵,广大银民,请看清楚哦。吴县,这个二十岁的青涩小子,进城上学,居然一不留神,取悦于众多美女,在众女的帮助下,事业也是蒸蒸日上。且看主角如何将有限的生命,投入到吴县的悦女事业中去。蹩脚的猪脚,由一个初哥,逐渐成为花丛高手。...
少年附身韦小宝,和康熙做兄弟,唬弄皇帝有一手绝色美女尽收,色遍天下无敌手!睿智独立,诱惑惊艳的蓝色妖姬苏荃花中带刺刺中有花的火红玫瑰方怡温柔清新纯洁可人的水仙花沐剑屏空谷幽香,善解人意的解语花双儿倾国倾城,美丽绝伦的花中之王牡丹阿珂诱惑惊艳美艳毒辣的罂粟花建宁空灵纯洁娇艳精怪的山涧兰花曾柔...
赵敏的娇蛮狐媚周芷若的举止优雅小昭的温柔体贴不悔的秀丽美艳蛛儿的任性刁蛮 一梦醒来,该是倚天屠龙的另一个新主角上场了...
地球少年江云卷入了一个神秘的超凡世界之中,获得了超凡之力,并且开始在地球以及一个个超凡世界,开启了自己追逐巅峰的超凡旅程。VIP。全订阅可入,要验证。普通。(ps已经完本神卡...
前世孤苦一生,今世重生成兽,为何上天总是这样的捉弄!为何上天总是那样的不公!他不服,不服那命运的不公。自创妖修之法,将魔狮一族发展成为能够抗衡巨龙的麒麟一族,成就一代麒麟圣祖的威名。...