如何成为有钱人分析解析

1、Being a billionaire takes more than a bunch of zeroes. The world of investments and capital is tumultuous and stra nge to most regular folk, but that does nt mean that theres a barrier to you becoming a billionaire. Working your way up from little or nothing to a life in the lap of luxury is the cla

2、ssic American narrative, but youve got to learn to create opport un ities for yourself, in vest wisely, and hold on to your wealth to make it work for you. See Step 1 for more in structi ons.Part 1 of 3: Creating Opportunities1Study up.People do not become billi on aires by accide nt. Demystify as m

3、any of the variables as you can before you assemble a pla n, such as in terest rates, tax brackets, divide nds and so on. Take a class on li ne or at a uni versity on finan ce, read books about inv est ing and know the rules.Study finance and entrepreneurship to learn how to identify market and con

4、sumer n eeds and develop bus in ess models based on those n eeds. Cultivat ing in-dema nd skills like computer scie nce and tech no logy is a critical way to get in the front door of new media and new mon ey.Read about successful billionaires and how they made their fortun es, such as Warre n Buffet

5、t or Jon Hun tsma n, Sr. Being wise with your money is the surest way to amass more of it.Start sav ing mon ey. It takes money to make mon ey. Take a certa in amount of money out of your paycheck as soon as you get paid and put it in a sav ings account, to be used for future investments or to simply

6、 collect interest.Decide what perce ntage of your earnings you can afford to spare and start there - as little as $20 per paycheck will start to make a difference over three or four years. If you decide to put that money toward a high-risk in vestme nt, the n youre only risk ing what you can afford

7、to lose.wikiStart an In dividual Retireme nt Acco unt ( IRA). Available from most financial institutions, IRAs are customizable financial plans that you can set up to start sav ing for the future. If you want to end up sav ing an amount of money that ends with nine zeroes, you n eed to do this as so

8、on as possible. Youll accrue in terest on your sav ings and elect to take an amount of risk in inv estme nts to make money off the money you have. 1Depe nding on the finan cial in stitutio n, you may n eed to in vest a minimum amount of money to get it started, or you may not. Research your options

9、and talk to your financial advisor.Pay off your credit card debt .Its hard to get ahead if you have debts of any kind hanging over your head. Stude nt loa ns and credit card debt n eeds to be paid off as soon as possible. The average annual perce ntage rates vary any wherebetween 20% and 30% which m

10、eans the balanee will end up keep growing if you dont get on top of it sooner rather than later. 2Make a five-year pla n. Calculate a con servative estimate of how much money you could man age to save over 5 years. Depe nding on the amount, decide what the best use of your money should be, whether i

11、ts inv esti ng, start ing a bus in ess or simply allowi ng the money to continue to collect in terest.Keep your pla n urge nt. Make sure your ideas stay at the front ofyour mind by writing them down and referring back to them regularly. If you have a hard time staying interested in projects, write d

12、own reminders about your plan and put them somewhere you go every day - for instanee, on the bathroom mirror or the dashboard of your car.Part 2 of 3: In vest ingBuy real estate . A com mon way to make more money is to inv est in real estate. Property will gen erally appreciate in value over time, a

13、nd might give you a good return on your investment. Your investment can be flipped , rented, or developed .Be wary of investing in an artificially inflated market, and makesure that you can easily pay the monthly mortgage. If you dont know much about the 2008 sub prime mortgage crisis in the United

14、States, it might be a good idea to read up on it and learn from a few cautionary tales.Inv est in bus in ess. Start ing your own bus in ess or buying into one can be a solid way to make money over a long term. Create or choose a compa ny that offers a product or service that you would buy yourself,

15、and put your time and money toward improvi ng it. Become kno wledgeable about the in dustry you wish to go into and lear n to differe ntiate betwee n good and bad bus in ess in vestme nts.Inv esti ng in gree n en ergy and computer tech no logy is a good pla n for the future. These bus in esses are p

16、rojected to grow over the next decades, mea ning that gett ing in on the ground floor now would be a smart in vestme nt.Buy and sell stocks . The stock market can be a great place to grow your fortune. Watch the markets carefully before you start to buy and pay atte nti on to which stocks do well; g

17、athering this information will help you make smart purchases in the future. Once you inv est, un dersta nd that most stocksappreciate over the long term. Ride out small decreases in value if you can and take the occasi onal risk.1Put your money into Money Market Acco unts (MMAs). These acco unts hav

18、e a higher minimum acco unt tha n a regular sav ings acco unt, but accrues twice the rate of in terest of a sav ings acco unt. High-yield MMAs are somewhat risky-your ability to draw on the money and your ability to affect its investments are limited-but its a good way to let your money grow by doin

19、g, essentially, nothing.Invest in government bonds . Bonds are interest certificates issued by gover nment age ncies, in particular the Treasury, which offer no risk of default. Because the gover nment con trols the prin ti ng presses and can print whatevermoney is required to cover the prin cipal,

20、these are relatively safe inv estme nts and a good way to diversify your mon ey.Talk to a broker youve developed a relati on ship and cultivate a bond-buying plan over the next several years to diversify your portfolio and keep your money in differe nt places.Part 3 of 3: Mai ntai ning WealthCon sui

21、t brokers for good advice. Your money is as good as the advice you receive about it. If you start to accrue a considerable amount of wealth, youre not going to want to spend all your time huddled in front of a monitor watching the stocks cha nge by fract ions of a perce ntage. Youre going to want to

22、 be out living your life. Surround yourself with good financial advisors and brokers that you trust who will work for you to keep your acco unts swelli ng with excess fun ds.Diversify your portfolio and inv estme nts. Dont keep all your money in one place. By diversifying your portfolio and investin

23、g in stocks, real estate, mutual fun ds, bon ds, and other in vestme nts recomme nded by your brokers, youre both en suri ng that your money will be isolated in differe nt markets that behavediffere ntly. If you end up making a risky inv estme nt in ShamWow absorbe nt towels and it ends up tanking,

24、at least youve still got a considerable amount of money in other ventures. 3wikiMake smart finan cial decisi ons. The Internet is full of penny stock schemes and get-rich-quick hokum that preys upon the ignorant and forces gullible people into making bad financial decisions. Do the research and comm

25、it to a lifetime of investing and making money. Theres no such thing as an overnight billionaire.Whe n in doubt, be con servative with your inv estme nts. If youve got your money diversified wisely, letting interest accrue and letting the markets fluctuate will probably be a smarter decision in the

26、long run. Less is more. Rather tha n actively mon key ing around with your mon ey, wait it out.Know whe n to get out. At a certa in point, youre going to have to know whe n to pull the trigger and get out of somethi ng before it collapses from un der you. If youve surrounded yourself with smart brok

27、ers, listen to their advice, but also know whe n to liste n to your gut.If you see an opportunity to sell big and make a profit, do it. Profitis profit. Even if that stock ends up appreciating in the next year, youve stillmade some coins that you can reinvest elsewhere. Theres no one way to in vest.

28、Act the part. If youre going to be a billionaire, youve got to act like one.Surro und yourself with mon eyed and cultured people, pick ing up advice and kno w-how from the experie need.Cultivate interests in fine art, fine dining, and travel. Consider buying a yacht or any of the other sta ndard trapp ings of the wealthy.Theres a disti nctio