Monday, November 24, 2008

Prinsip Kekayaan DiBongkar

Ramai orang yang tidak perasan bahawa orang kaya tidak seperti orang biasa.

Mereka mempunyai prinsip hidup yang mudah tetapi sukar dicapai oleh orang
biasa. Mereka sanggup bersusah susah dahulu sebelum mencapai kesenangan pada
masa akan datang.

Mereka merupakan seorang yang penjimat dan suka menyimpan. Kebanyakkan daripada
mereka mempunyai matlamat yang jelas; mereka tahu dengan tepat berapa banyak
yang mereka mahukan dan berapa lama ianya boleh dicapai. Orang kaya tahu RM1000
yang disimpan pada hari ini boleh membesar sepanjang hidup mereka.

Di sini saya membongkar 12 prinsip kekayaan yang boleh anda ikut:

1. Mereka rancangkan kejayaan mereka. Mereka menyematkan matlamat berapakah
pendapatan yang diperlukan, mereka tahu berapa banyak yang perlu disimpan
dibank setiap tahun, dan mereka tahu berapa banyak modal yang diperlukan
untuk persaraan. Adalah satu kemestian bahawa jumlah tersebut ditulis dengan
jelas, kerana ia menjadi asas untuk tindakan. Dengan memberi tumpuan kepada
matlamat sekarang tidak akan menjejaskan jika terdapat sebarang halangan.

2. Mereka merancang dan bertindak. Mereka membuat satu simpanan tetap dan
terus menyimpan setiap bulan tanpa henti.

3. Orang kaya mempunyai disiplin. Mereka bertindak mengikut rancangan matlamat
dan mengelakkan mengambil wang dari simpanan persaraan. Mereka tahu mengambil
wang dari simpanan persaraan seperti “mencuri” daripada masa depan mereka.

4. Mereka membuat perlindungan daripada bencana. Ini bermakna mereka mengambil
insuran untuk melindungi diri daripada kehilangan aset penting seperti rumah
atau kereta. Mereka juga mengambil insuran perlindungan diri sebagai persediaan
jika terjadi sebarang bencana keatas diri sendiri.

5. Mereka cuba mengelakkan hutang. Seorang pengurus kewangan yang bijak cuba
untuk mengelakkan hutang dan membayar dengan lebih awal jika boleh.

6. Mereka menjadikan pendapatan sementara kepada tetap dengan menyimpan dengan
bijak.

7. Mereka berjimat keatas setiap ringgit yang dibelanjakan.

8. Mereka benci berbelanja.

9. Mereka sukakan menyimpan. Mereka tahu setiap wang yang disimpan akan
memberikan hasil yang lumayan pada masa depan.

10. Mereka terus belajar daripada guru-guru yang sudah berjaya, oleh itu mereka
akan lebih berjaya.

11. Mereka mempunyai sikap positif tentang wang. Mereka bukan seorang yang tamak
atau menjadi hamba kepada duit sehingga melupakan tanggungjawab kepada Tuhan.

12. Mereka selalu mencari peluang untuk membuat wang dan menyimpan sebanyak
yang boleh.


Jumpa lagi dengan rahsia kekayaan yang lain!

How My Millionaire Mentor Helps Me Think and Grow Rich

This article is about my millionaire mentor who helps me think and grow rich. He started out in debt with no job. Now he is a self made multi millionaire. A wise person once said 'You lead by example'. The best way to learn how to make a success of your life is to find someone that has already done it. That's what I did. He helped me in many ways in wealth creation.

A good millionaire mentor quotes lots of facts. Here is a quote from the Australian Bureau of Statistics. In Australia by age 65, 96% of the population will be dead or dead broke. 3% will have financial independence, 1% will be rich. These statistics hit you like being slapped across the face with a bar of cold steel. When my mentor shared this with me I went into a state of shock. That was a good thing because it made me think. Then I took action because I didn't want to be in the 96% group who are dead or dead broke. Doesn't sound like much fun. Let me explain how I used this information to my benefit and how you can too.

A coach shows you in such a way that it challenges, stretches, and sometimes even shocks you. Believe it or not you benefit from this. Eventually you come out of the experience having accomplished a lot more. This is why not having a coach is a huge disadvantage. The above quoted Australian Bureau of Statistics facts was used by my mentor to inspire me to take action. This is a classic use of the Neuro Linguistic Programming ( NLP ) technique called interrupting someone's pattern. A pattern interrupt is another name for it. It is achieved by experiencing a jolt or shock. Something out of the ordinary has an emotional impact which in turn interrupts behaviour. A good coach can use this to achieve positive results with who they are mentoring.

Another avenue my mentor opened up for me was my subconscious mind. The subconscious mind contains many drives and beliefs about money. I discovered many limiting beliefs in my subconscious about money. So I started to dig. What I found were many fears and beliefs that did not serve me. The subconscious mind is a vast and powerful part of the mind and it pays you to know about it. However it is ignored for the most part. It can be used to work for you to your benefit. My mentor showed me how to do this in a practical way that gave results.

Did my millionaire mentor really help me make money? The answer is yes. Personally my awareness on the value of saving increased. So I saved more. My financial intelligence increased. So I purchased assets that only go up in value. My mentor gave me an education that will last for life.

In the final analysis a good millionaire mentor helps you solve problems. They don't do it for you but they do open up a new world of possibility and opportunity. They do this through their coaching and communication with you. If your bank balance increases as a result of the association, isn't that what finding a millionaire mentor is all about?

James Cassa - EzineArticles Expert Author