穷人之路是自己选择的

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G20这次在多伦多举行时,那些示威游行的老左们打出了一个响亮的口号“You are rich because we are poor, 我得对这些“穷人”们说“You are poor because you are lazy and you are timid(胆小)”。

对于那些好吃懒做,好逸恶劳或者没什么技能的“穷人”就不值一提了。我这里主要是对那些中产阶级的“穷人”而言,那些所谓professional工作中产阶级说穿了还是打工的,智商再高干了一辈子还是个穷人。 

这个“lazy” 指的是精神上的懒,心态上的懒,即使做所谓的本职“专业”工作总是勤劳刻苦,尽心尽力,任劳任怨,但对于外界一些创业机会、投资机会充耳不闻,漠不关心,全盘否定。在个人的投资决定上自以为是,刚愎自用,坐井观天,以讹传讹。对于自己以前判断错误的分析仍然固执己见,盲目自信,根本不听别人意见。对于别人包括身边朋友的有了不错开端的大胆投资,连询问一下他的思路及运作过程都“懒”的问。

还有就是盲目买些股票,想投机取巧撞大运“赌一把”发大财,更甚的就是靠买彩票,买奖券的精神鸦片麻醉一辈子。 

这个“timid”指的是不敢冒风险,不敢贷款,安心满足于当前所谓的打工工作,每年RRSP一定得买足了,不敢多贷一点款,否则晚上“睡不着觉”。在投资面前犹犹豫豫,瞻前顾后,怕这怕那,杞人忧天,裹足不前,连尝试一小步的胆量也没有。只会羡慕别人挣钱,没有勇气去“退而结网”。张口闭口担心这个,害怕那个,实际上这就印证了本人最喜爱的一句话“穷人眼里到处是风险,富人眼里到处是机会”。 

还有关键的一点是,人以群分,物以类聚。“穷人”也是聚堆的,在一起时再互相share及互相感染“lazy”和“timid”而将把其发扬光大,同时再大食“精神鸦片”(“649”之类的垃圾)寄以毕生最大希望。

  

这些都是我这几年投资房地产时看到及接触到的相当多数人的真实写照加上我的自身经历有感而发,说的是严重了些,但不吐不快。知道发到网上会挨很多砖头,但该发还得发。Smile

 

所以,穷人永远在人群中占绝大多数,这是性格决定的命运,同时也是社会的必然规律。在一个法制完善,相对公平、公正的社会里,白手起家的富人是靠心态,靠努力,靠胆量,靠财商,靠眼光发家的,是整个社会发展的源动力之一。没有这些富人,穷人只会更穷! 

 前几天看了在美国的一位成功的房地产投资人总结经验时引用的《穷爸爸富爸爸》 的原话,本人看了《穷爸爸富爸爸》的这些经典话语,感同身受,拍掌叫好。现再转帖与大家共享。 

“I have never met anyone who really likes losing money. And in all my years, I have never met a rich person who has never lost money. But I have met a lot of poor people who have never lost a dim…..investing, that is. ”

 The fear of losing money is real. Everyone has it, Even the rich. But it’s not fear that is the problem. It’s how you handle failure that makes the difference in one’s life. That goes for anything in life, not just money THE PRIMARY DIFFERENCE BETWEEN A RICH PERSON AND A POOR PERSON IS HOW THEY HANDLE THE FEAR. p.147

So for most people, the reason they don’t win financially is because the pain of losing money is far greater than the joy of being rich. Another saying in Texas is, “Everyone wants to go to heaven, but no one wants to die.””(P.149)

 Winning means being unafraid to lose .” (P.149)

 关于富人和专业人士 Robert T. Kiyosaki 说:

“Have you ever noticed that there are a lot of accountants who aren’t rich? And bankers, and attorneys, and stockbrokers and real estate brokers. They know a lot, and for the most part are smart people, but most of them are not rich.”(P.6)

 The world is filled with talented poor people. All too often, they’re poor or struggle financially or earn less than they are capable of, not because of what they know but because of what they do not know. They focus on perfecting their skills at building a better hamburger rather than the skills of selling and delivering the hamburger. Maybe McDonald’s does not make the best hamburger, but they are the best at selling and delivering a basic average burger.”(P.140)

当听取别人投资意见时,他有精妙的说法:

 A WARNING: Don’t listen to poor or frightened people. …..they are the “Chicken Littles” of life. When it comes to money, especially investment, “The sky is always falling.” They can always tell you why something won’t work. The problem is, people listen to them, but people who blindly accept doom-and-gloom information are also “Chicken Littles.” As that old saying goes, “Chickens of a feather agree together. P.170

 “There are so many “intelligent” people who argue or defend when a new idea clashes with the way they think. In this case, their so-called “intelligence” combined with “arrogance” equals “ignorance”. Each of us knows people who are highly educated, or believe they are smart, but their balance sheet paints a different picture, A truly intelligent person welcomes new ideas, for new ideas can add to the synergy of other accumulated ideas……Too many people think with their mouth instead of listening to absorb new ideas and possibilities, They argue instead of asking questions.” (P.169)

看看他如何描述关于把握机会和做决定:

Great opportunities are not seen with your eyes. They are seen with your mind.”(P.125)

“Opportunities come and go. Being able to know when to make quick decisions is an important skill.”(P.29)

 Most people have an opportunity of a lifetime flash right in front of them, and they fail to see it. A year later, they find out about it, after everyone else got rich.” (P.114)

Smart investors don’t time markets. If they miss a wave, they search for the next one and get themselves in position. Why this is hard for most investors is because buying what is not popular is frightening to them. Timid investors are like sheep going along with the crowd. Or their greed gets them in when wise investors have already taken their profits and moved on. Wise investors buy an investment when it’s not popular. They know their profits are made when they buy, not when they sell. They wait patiently…they do not time the market. Just like a surfer, they get in position for the next bug swell.”(P.171)

 There are many people who want to do, instead of think, and then there are people who think but do not do. I would say that I am both. I love new ideas and I love action. P.187

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    4 条评论

  1. 1. ABC - 2010年7月14日 23:49

    诲人不倦.有胜读书之感.

  2. 2. yayaxueyu - 2010年7月15日 03:35

    说的好,这个不仅可以用在理财上,包括对很多事,未来的规划上: The promary difference between a rich person and a poor person is how they handle the fear.

    如何控制自己的恐惧,这个在一切选择面前都适用。。太棒了,谢谢分享!

  3. 3. Alen Zhan - 2010年7月17日 15:04

    有人在报纸做广告,寻找有少量资金的人一起在加拿大种蘑菇发财,于是先后有四位大陆移民加入,大家一起合伙成立A蘑菇公司。不幸的是公司成立半年后,资金投入20余万,一片蘑菇也没种出来,当初做广告召集大家种蘑菇发财的人宣布破产,四位大陆移民此时才发现上当,于是双方对簿公堂……. 富人眼里到处是机会 ? ? ?

  4. 4. 土旺 - 2010年7月17日 23:02

    “富人眼里到处是机会”如果理解为富人眼里看到什么都是机会就是抬杠了,:)。原文限于篇幅只是点到为止,没法详谈。 “穷人眼里到处是风险”倒可以理解为穷人眼里看到任何机会都只看到风险并夸大风险,连深入研究分析一下也“懒”得做,或者是夸大风险而没胆量去承担风险,例如房贷,其实这是35年的风险,关于这个风险,以后我会专门写篇文章详述。 我们日常工作生活中是经常看到各种“机会”的,白手起家的富人是能重视这些机会并认真去甄别它是不是真正的机会,同时分析它的风险所在,即认识风险并规避风险。而不像很多“穷人”那样对任何机会都视而不见。 这个种蘑菇骗局里面的猫腻这么多,捎有些阅历的人都不会把这个当成机会。哪有这么随便相信一个陌生人,叫你在哪里签字就往哪里签,估计被骗者都没在中国的生意场上混过。

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