你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫
2.不要只為了賺錢而投資
3.用情緒理財是最失敗的策略
趙夫子
2014/02/21
Dr. Chao Yuang Shiang
There are a number of people who look at investing as gambling. This is a distorted perception that hinders a number of individuals from the financial returns of sensible investment. Prudent investment is normally profitable in the long-run.
Furthermore, gambling and investing have apparent similarities but there is still a principle difference between them. On one hand, investing is putting money to use through the purchase of something that brings returns such as income or interest. Gambling on the other hand is about playing at a game of chance for a reward. It risks money or valuables and mainly relies on luck.
Gambling
The reality of gambling and investing are completely different. In casino gambling, for instance, the casino has the upper hand over the gambler. In the end, the player is expected to lose. However, the chances of winning vary from one casino to another but they all purpose to achieve one thing: not to lose. The player is therefore at a disadvantage when playing casino games since the percentage rate of winning is very low.
Similarly, in bets on horse racing and sports betting, the likelihoods are weighted against the one who bets. Staking on horses amounts to a bet against other bettors since the chance of winning relies on the amount of money staked on each horse. What happens is that the race track gets a share from the bets on winning horses. Subsequently the money is divided among those who bet on horses. However, the bettor normally wins about one-third of the time. In the same way, sport betting requires the bettor to put an additional sum over and above the bet amount. The house retains this whether the bettor wins or loses. In addition, the number of points a bettor has to gain in any game, be it football, baseball, hockey or basketball, decreases his chances of winning. This means that even if the bettor’s team wins but does not exceed the points given by the bettor, he loses on that game.
In short, gambling is meant to be a loss for the player who is placed at a drawback from the start. The possibility of winning is therefore small and random.
Investing
Unlike in gambling, you own something when you invest. In investing, you can own shares of a company or other securities. When the company makes profit and pays-out dividends, you also benefit from it. In addition, if the price of stocks you own rise, you can sell then at a gain.
There is however the risk of losing too since the stock market swings up and down. Mostly, the market has been rising over the years resulting in profits.
Moreover, investing in highly-rated corporates and government bonds has been profitable in the long run. This kind of invest is also linked with minimal risk. Besides, investing in select real estates, especially residential housing has proved worthwhile.
In addition, the past performance-trend does not guarantee positive returns in the future. It is better to caution your investment through having a diverse portfolio that comprises of a range of products. You will realise that the total of the profits and loses is not negative.
Conclusion
Investing is certainly not gambling. Whereas gambling is a no-win affair, investing gives you a reasonable opportunity of making returns. Some investments may fail or even be a catastrophe, just in a similar manner to losing all you money at the roulette table. However, investing is more sound than gambling.
富人與窮人的時間觀
窮人為錢工作,富人讓錢為他們工作;
窮人管理金錢,富人卻善於管理時間;
富人時間不夠用,窮人不知如何殺時間。
時間在窮人手上變得一文不值,在富人手裡卻變得價值連城,
因此,窮人將會更窮,而富人也將更富。
為什麼每個人擁有的時間都一樣,但成就卻大不相同呢?你通常是花錢買時間還是賣時間賺錢?有人開車繞了半小時只為了找一個免費車位,有人花錢找人辦事讓自己可以做別的更重要的事。當時間不再只是度量衡而是有行有市可以買賣,你的時間值多少錢,你願意用多少錢買別人的時間,未來會有交易所,請先標好你的定價。
會管理時間就會管理金錢也會管理自己的人生,讓人生更精彩的關鍵就在於同樣的時間內透過規劃、分工可以做更多的事情,讓家庭、事業、婚姻、健康都能兼顧。
千萬不要讓遲到、懶惰,這些小事浪費在您寶貴時間上。
十個理財重要觀念
你可能很懂理財,也可能一竅不通。以下的10個理財觀念,對任何人都可適用,掌握這些原則與方法,幫你作出正確的理財抉擇。
1. 看財經局勢,做趨勢計畫