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【繁體】富爸爸投資指南(上)(原書名:富爸爸,提早享受財富)

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【繁體】富爸爸投資指南(上)(原書名:富爸爸,提早享受財富)

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真正的財富是一種思維方式,而不是存在銀行裡的錢!
世界上最富有的投資者並不是在買投資,而是在創造他們自己的投資。
富爸爸說:「投資本身不會有風險,失控的投資才有風險。」

換上一顆有錢的腦袋,讓窮腦袋out!
為何沒有現金的富爸爸可以買鎮上最昂貴的一塊地產?你的大腦決定你有多富有。
投資這碼事,請換上富爸爸的腦袋,你會變有錢。

談到錢,富爸爸推崇90/10金錢規律,即10%的人賺了90%的錢,投資領域亦是如此,這個觀點也獲得《華爾街日報》文章報導的證實。

「想法」決定你變窮還是變富,本書精闢地解析那10%的人如何利用別人的投資,將他們的想法轉化為價值幾百萬、甚至幾十億資產的企業。這也是為何世界上有二十多歲的億萬富翁。

請注意,你在無意識地計畫變窮嗎?富爸爸說:「大多數人計畫變窮。」本書透析富人腦子裡在想什麼,而他們又是如何思維,跟著《富爸爸投資指南》走,讓腦袋除舊佈新,無論你有沒有一個富爸爸,你也可以晉升為富人。

富人投資者思維的重點揭露——
‧富人投資者喜歡專心一意。
‧富人投資者創造工作。
‧富人投資者增加對他有利的好債務。
‧富人投資者工作得愈來愈少,財富卻愈來愈多。
‧日常生活中,富人投資者善用免費財務詞彙的語言。

(本書是《富爸爸,提早享受財富(一)》全新修訂版)
(本書原書名《富爸爸,提早享受財富(一)》,於2002年01月出版)

目錄

致謝
序言
你做好投資者的思想準備了嗎?
第一章 投資第一課 何謂3E的投資條件
第二章 投資第二課 何謂富人投資?
第三章 投資第三課 選擇
第四章 投資第四課 富人眼中的世界是什麼樣的?
第五章 投資第五課 為什麼投資常令人困惑?
第六章 投資第六課 投資是計劃,不是產品或過程
第七章 投資第七課 富人與窮人的不同思維
第八章 投資第八課 周密計畫加上毅力等於財源滾滾
第九章 投資第九課 怎樣設計適合你的方案?
第十章 投資第十課 現在就決定長大後你要做什麼
第十一章 投資第十一課 變富前,先投資時間
第十二章 投資第十二課 為什麼投資不是冒險?
第十三章 投資第十三課 你想坐在桌子的哪一邊?
第十四章 投資第十四課 投資的基本原則
第十五章 投資第十五課 用財務知識減小風險
第十六章 投資第十六課 理財知識使事情簡單化
第十七章 投資第十七課 錯誤的魔力
第十八章 投資第十八課 致富的代價是什麼?
第十九章 90/10之謎

內容試閱

富人與窮人的不同思維

「許多人都在計畫變窮。」富爸爸說。

「什麼?」我感到難以置信。「為什麼這樣說?你怎麼能這樣說呢?」

「我是從他們的話語裡聽出來的。」富爸爸回答,「如果你想看清一個人的過去、現在和將來,就仔細聽聽他所使用的語言吧!」

語言的力量

富爸爸關於「語言的力量」這一課非常有說服力。他問我:「你曾聽人說過『要用錢去賺錢』嗎?」

我起身從冰箱裡取出兩罐飲料回答:「是啊,我經常聽別人這樣說,怎麼啦?」

「因為『只有花錢才能賺錢』這個觀點,是現在流行的最糟糕觀點之一,特別是對那些想得到更多錢的人來說。」富爸爸回答。

我遞給富爸爸一瓶汽水說:「我不太明白,你的意思是不用花錢就能賺到錢嗎?」

「不用」富爸爸搖搖頭,「不需要錢就能賺錢,只需要一些我們都具備的東西,而且可以比錢的成本小。實際上,在許多時候,甚至是免費就可以獲得的。」

這番話使我十分好奇,但是,他並沒有直接告訴我這番話的含義。上完那一次投資課以後,他交代我一項作業,「在我們下次碰面以前,我希望你邀請你爸爸出去吃一頓飯,時間要長一點。在進餐過程中,我希望你特別留意他所使用的習慣語言。聽他講的話,注意他話語裡所傳遞的資訊。」

此時,我已習慣富爸爸交代給我的這些稀奇古怪的作業,這種看起來與我們討論和研究的主題,完全風馬牛不相及的作業。

但富爸爸堅信實踐經驗在先,理論課程在後的教育模式。我打電話請我爸爸在他喜歡的一家餐廳吃飯。

一週後,富爸爸與我又碰面了。「晚餐怎麼樣?」他問。

「很有趣,」我回答,「我非常仔細地聽我爸爸選擇使用的詞語,也揣測他話語中的涵義和言語後面隱藏的思維方式。」

「你聽到了什麼?」

「我聽到了『我永遠也不會變富的』。」我說,「事實上,我經常聽到爸爸對家人說『從我決定當中學教師的那一刻起,我就知道自己不會變得富有了。』」

「你以前總是聽到這些相同的話嗎?」富爸爸詢問。

我點頭說:「許多次」。

「你還經常聽到他說哪些話?」富爸爸問。

「『你以為錢是長在樹上的嗎?』、『你以為我是用錢做的嗎?』、『富人可不會像我這樣關心別人。』、『錢可不容易賺到。』、『我寧願快樂而不願富有。』」我一一列舉。

「現在你懂我的意思了嗎?我說過你能透過傾聽別人的談話,看清他們的過去、現在和未來。」富爸爸問。

我點頭說:「我還觀察到其它一些細節。」「是什麼?」富爸爸問。

「你有商人和投資者的辭彙,我爸爸有中學教師的辭彙。你經常使用諸如『資本運作率』、『財務槓桿』、『息稅前利潤』、『生產商價格指數』、『利潤』和『現金流』等辭彙,而他掛在嘴邊的詞語是『考試分數』、『補助金』、『語法』、『文學』、『政府撥款』、『長期聘用』等等。」

富爸爸笑著說:「不需要花錢就能賺錢,但要花費語言。富人和窮人的不同之處就在於他們經常使用的辭彙不同。所有想變得富有的人需要做的,就是增加財務辭彙,而對他們來說最好的消息是,語言是免費的。」

二十世紀八○年代,我有相當多的時間在教企業管理和投資。在那段時間裡,我敏銳地洞察人們所使用的辭彙,研究他們的辭彙和他們的財務能力的關係。經過深入研究,我發現在英語中大約有兩百萬個辭彙,普通人掌握的辭彙約五千個。如果人們想增加他們財務的成功機會,他們就應該從增加使用這一領域的辭彙入手。

例如,當我投資供出租的單身公寓小型不動產時,首先,我會增加在該領域的辭彙量。當我轉向投資私人公司時,我的辭彙又不得不增加這方面的內容。因為只有這樣,我在投資這樣的公司時,才會感到適應。

在學校,未來的律師們學習法律辭彙,醫生學習醫學辭彙,教師學習教師使用的辭彙。如果一個人沒有學過投資、金融、會計、公司法、稅務等方面的辭彙,那麼,在他投資運作時就會感到很難適應。

我設計「現金流」教育遊戲的一個目的,就是想讓門外漢熟悉投資辭彙。在我們設計的遊戲中,玩家很快地熟悉有關會計、商業、投資方面的辭彙及其後隱藏的各種關係。透過反覆玩這個遊戲,玩家們會懂得常被錯誤使用的詞語,例如:「資產」和「負債」這些字背後的真正定義。

富爸爸經常說:「不懂得專業詞語的定義,使用錯誤定義的單字,是引起長期財務困境的真正原因。對一個人的財務穩定狀況而言,再也沒有把『負債』稱作『資產』更具破壞性的了。」

富爸爸一直強調財務辭彙定義的重要性,並竭力讓別人學好這些定義。他會說:「mortgage(抵押貸款)這個詞源於法語的一個單詞mourir,法語裡的意思是死亡,因此『抵押貸款』就是『直到死的一種契約』。

難怪富爸爸常說:「不需要花錢就能賺錢。使用富人的辭彙不僅能賺到錢,更重要的是,還能留住錢。」因此,當你讀這本書時,請留意它使用過的不同詞語,千萬記住富人和窮人的根本不同,就是他們日常使用的語言不同,而語言恰恰又是免費的。

你計畫變富還是變窮?

在與富爸爸談過話後,我開始留意別人的談話,我開始察覺到許多人都無意識地「計劃變成窮人」。

如今我常聽到:「我退休的時候,我的收入就會下降。」而事實果真如此。

他們也經常說:「退休後,需求會降低,所以,我只需要較少的收入。」但是,他們通常沒有認識到有些支出的確下降了,可是另外的支出也上升了。

這些支出中,例如:有家庭看護人員費,人們年邁時,如果還能幸運地長命百歲,這筆款項的數額會很大。一般老年人的家庭看護費用是每月五千美元,它比如今許多人的月收入還要高。

也有人說:「我不需要計畫。我從工作中已經得到了養老金和醫療保險。」這種思維方式的問題,就在於投資計畫比單純的投資和錢財複雜得多,所以,人們不願為此付出。

但一個人開始投資之前的財務計劃是相當重要的,因為投資時,許多不同的財務需要都得加以考慮。這些需求包括大學教育、退休、醫療費和長期健康保養。除了股票、債券、不動產等投資外,在某些專案上的投資,如保險和其他投資載具,也是長期或者現實中的迫切需要。

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