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这里有人拿UOB 的Flexi Loan吗??
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楼主 |
发表于 17-4-2009 12:44 PM
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楼主 |
发表于 17-4-2009 12:48 PM
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原帖由 尔齐 于 17-4-2009 10:28 AM 发表 
2。难度你的贷款是UOB Flexi Mortgage with OD？如果是， 有可能outstanding 是保持一个数目。
对了... 我是拿Flexi Mortgage with OD...
有很不一样吗??
不过我的经纪告诉我, come with OD 的更Flexible...
因为比如就算我供了10年... 那我所欠的款额是50k
我还能提出我之前已供的50k作为OD.. |
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楼主 |
发表于 17-4-2009 12:52 PM
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回复 160# pipi88 的帖子
美女
你的做法只能确保你的生活舒适..
负担轻...
可是做不到财务自由叻.... |
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楼主 |
发表于 17-4-2009 12:55 PM
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发表于 17-4-2009 01:15 PM
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回复 160# pipi88 的帖子
分享一篇文章，看了过后再通知我。
The 90-10 Riddle
In February of the year 2000, I was working with a group of very bright graduate students at Thunderbird University, The American School of International Management. During the three hour session I asked one of the young students, “What is your investment plan?”
Without hesitation he replied, “When I graduate I will find a job that pays me at least $150,000 a year and begin putting aside at least $20,000 a year to buy investments.”
I thanked him for his willingness to share his plan with me. Then I said, “Do you remember me discussing my rich dad's 90/10 principle of money?” “Yes,” said the young man with a smile, knowing that I was about to challenge the way he was thinking. He was enrolled in the entrepreneurship program of this very prestigious school where I was a guest instructor . By now, he knew my style of teaching was not to give students answers. My style was to challenge core beliefs and ask students to evaluate old thought patterns. “What does the 90/10 principle of money have to do with my investment plan?” he asked cautiously. “Everything,” I replied. “Do you think your plan of finding a job and investing at least $20, 000 a year will put you in the category of the 10% of investors that make 90% of the money?”
“I don't know ,” he replied. “I never really thought about my plan with that benchmark in mind.”
“Most people don't,” I replied. “Most people find an investment plan and think it is the only investment plan or the best investment plan, but few compare their plans to other plans. And the problem is, most people will not find out if their plan was the right plan until it's too late.”
“You mean the average investor is investing for retirement and will not find out if their plan worked or not until they retire?” asked another student in the class. “They'll find out when it is too late. ”
“For many people my age that will be true, ” I replied. “Sad but true. ”
“But isn't the idea of finding a high paying job and putting $20,000 a year away a pretty good plan?” asked the student. “After all, I'm only 26 years old. ” “A very good plan,” I replied. “Definitely putting away more money than the average person and starting young with that much money will probably make you a very rich man. But my question is, ‘Will your plan put you in the 90/10 league of investors?'”
“I don't know,” said the young man. “What would you advise?”
“Do you remember me telling you the story of walking along the beach with my rich dad at the age of 12?” I asked.
“You mean the story of you wondering how he could afford such an expensive piece of real estate,” another student replied. “Your rich dad's first big investment and his first move into the world of bigger investments?”
I nodded my head and replied, “That's the story. ”
“And that story has to do with the 90/10 rule of money?” asked the student.
“Yes it does. It applies because I always wondered how my rich dad could acquire an asset so big even though he had very little. So after asking him how he did it, he gave me what he called the 90/10 riddle.”
“The 90/10 riddle?” replied one of the students. “What is the 90/10 riddle and what does it have to do with my investment plan?”
With that question, I turned, walked to the chalk board, and drew the following diagram. “This is the 90/10 riddle.” I said.
“That's the 90/10 riddle?” asked the student. “All it looks like is a financial statement without any assets in it.”
“And it is . So this is the question that completes the riddle, ” I said with a grin, watching the students' faces to see if they were still with me. After a long pause on my part, one of the students finally demanded, “So give us the question.”
“The question is ,” I said slowly, “How do you fill your asset column without buying any assets?”
“Without buying any assets, ” replied the student. “You mean without any money?”
“More or less,” I replied. “Your investment plan for putting $20,000 a year aside to invest with is a good idea. But my challenge to you is: Is the idea of buying assets with money a 90/10 idea, or is it an average investor idea?”
“So you're saying to create assets in the asset column instead of buying the assets with money, which is what most people do. ”
I nodded my head. “You see, this diagram, the diagram I call the 90/10 riddle is the riddle that my rich dad would challenge me with on a regular basis . He would ask me for my ideas on how I could create assets in the asset column without buying them with money. ”
The students were silent looking at the riddle on the chalk board. Finally one turned and said, “Is that why you often say, ‘It doesn't take money to make money?'”
I nodded my head and replied, “You're catching on. Most people in the 90% who own the 10% often say, ‘It takes money to make money.' Many often give up on investing if they do not have any money. ”
“So your rich dad's 90/10 riddle was to give you a blank asset column and ask you how you would fill it with assets without having to buy the assets.” “Constantly. After I came back from Vietnam, he would routinely have a lunch or dinner with me and ask me for new ideas on how to fill the asset column by creating assets instead of buying assets. He knew that is how many of the ultra-rich got rich in the first place. That is how Bill Gates, Michael Dell, Richard Branson all became billionaires. They did not become billionaires by looking for a job and putting a few dollars aside.”
“So you're saying the way to become rich is by being an entrepreneur?”
“No, I am not saying that. I just use those examples because you are all in the entrepreneurship program at Thunderbird University. The Beatles became ultra-rich by creating a different kind of asset, none-the-less they created assets that still pay them money today. All I am saying is that rich dad put this financial statement with a blank asset column in front of me on a regular basis and asked me how I would create assets inside the asset column without having to spend money to acquire them. He began giving me this 90/10 quiz when I asked him how he found the power to acquire a piece of the most expensive beach front land without any money.”
“So he said his business bought the land,” another student chimed in.
“As I said, that is one way but there are many ways you can create assets inside an asset column without buying them. Inventors do it by inventing something of great value. Artists paint paintings that are priceless. Authors write books that pay them royalties for years. Creating a business is the way an entrepreneur does it, but you don't have to be an entrepreneur to create an asset inside the asset column. I've done it with real estate without using any money. All you have to do is be creative and you can be rich for life.”
“You mean I can invent something with new technology and become rich?” asked one of the students.
“You could, but it does not have to be an invention or new technology,” I said, pausing for awhile. “It is a way of thinking that creates assets and once you have that way of thinking you will be richer than you ever dreamed possible. ”
“What do you mean it doesn't have to be a new invention or technology? What else could it be?”
I said, doing my best to make my point, “Do you remember the story in my book, Rich Dad Poor Dad, the story of the comic books?”
“Yes,” said one of the students. “The story of your rich dad taking away your 10 cents an hour and asking you to work for free after you asked for a raise? He took away the 10 cents because he did not want you to spend your life working for money.”
“Yes, that story. ” I replied. “That is a story about filling the asset column with an asset without buying the asset. ”
The students stood quietly for awhile thinking about what I had just said. Finally one spoke up and said, “So you took old comic books and turned them into assets.”
I nodded my head. “But were the comic books the asset?” I asked.
“Not until you turned them into an asset,” replied another student. “You took something that was being thrown out as trash and turned it into an asset.” “Yes but were the comic books the asset or were the comic books merely the part of the asset you could see?”
“Oh, ” another one of the students jumped in. “It was the invisible thought process that created the comic book into the asset that was the real asset. ” “That is how my rich dad saw it. He later told me that the power he had was his thinking process. It was a thinking process that he often jokingly called, ‘Turning trash into cash. ' He also said, ‘Most people do exactly the opposite and turn cash into trash. That is why the 90/10 rule holds true.'”
“He was like the ancient alchemists,” said one of the students. “The alchemists who searched for the formula to turn lead into gold.”
“Exactly,” I said. “The people who are in the 90/10 grouping of money are modern day alchemists. The only difference is that they are able to turn nothing into assets. Their power is the ability to take ideas and turn them into assets. ”
“But as you say, many people have great ideas. They are just not able to turn them into assets, ” said a student.
I nodded my head. “And that was my rich dad's secret power I saw that day on the beach. It was that mental power or financial intelligence that allowed him to acquire such an expensive piece of real estate, while the average investor would walk away from it, saying ‘I can't afford it,' or ‘It takes money to make money. '”
“How often did he give you the 90/10 quiz?” asked a student.
“Very often, ” I replied. “It was his way of exercising my brain. Rich dad often said that our brains are our most powerful asset and, if used improperly, they can be our most powerful liability.”
The students were silent, I assume contemplating and questioning their own thoughts. Finally the original student, the student whose plan it was to put the $20,000 dollars a year away, said, “So that is why in your book Rich Dad Poor Dad, one of rich dad's lessons was that the rich invent their own money.”
I nodded my head and said, “And lesson number one of the six lessons was ‘the rich don't work for money.'”
Again there was silence from the young students before one then said, “So while we are planning on getting a job and saving money to buy assets, you were taught that your job was to create assets. ”
“Well said, ” I replied. “You see the idea of a ‘job' was created in the
Industrial Age and ever since 1989, we have been in the Information Age. ”
“What do you mean the idea of a job is an Industrial Age idea?” one student asked with a start. “Humans have always had jobs, haven't they?” “No, at least not in the way we know of a job today. You see, in the Hunter -Gatherer period of humanity, humans lived in tribes and each person's job was to contribute to the communal survival of the tribe. In other words, it was all for one and one for all. Then came the Agrarian Age, the era when there were kings and queens. A person's job during that period was to be a serf or a peasant who paid the king to work the land the king owned. Then came the Industrial Age and serfdom or slavery was abolished and human beings began selling their labor on the open market. Most people became employees or self-employed, doing their best to sell their labor to the highest bidder. That is the modern concept of the word ‘job. '”
“So the moment I said I 'm going to get a job and put $20,000 away a year, you see that kind of thinking as Industrial Age thinking.”
I nodded my head. “Just as today there are still Agrarian Age workers that are known as farmers and ranchers. Today there are still hunter gatherers, commercial fishermen for example. Most people are working with Industrial Age ideas and that is why so many people have jobs. ”
“So what would an Information Age idea of work be?” asked a student.
“People who do not work because their ideas are at work. Today, there are students who are much like my rich dad who are going from school to becoming rich without a job. Look at many of the Internet billionaires. Some of them dropped out of college to become billionaires without ever having a formal job.”
“In other words, they started with an empty asset column and filled it with a very big asset, an Information Age asset, ” added one of the students. “Many built multi-billion dollar assets, ” I said. “They went from students to billionaires and soon there will be high school students who will go from high school students to billionaires without ever applying for a job. I already know of one that is a millionaire without ever having a job. After reading my book and playing my games, he bought a large piece of real estate, sold off a section of vacant land, kept the apartment house, and paid off his loan with the money from the land. He now owns the apartment house which is worth a little over a million dollars and has cash flow of $4,000 a month income without working. He will graduate from high school in about a year.”
The students stood silently again thinking about what I just said. Some had a hard time believing my story about the high school student, yet they knew the story of college drop outs becoming billionaires was true. Finally one spoke up, “So in the Information Age people are getting rich with information.”
“Not just in the Information Age,” I replied. “It has been this way throughout the ages. It is the people who do not have assets who work for , or are controlled by, those people who create, acquire, or control the assets.”
“So you're saying a high school kid could beat me financially even though he does not have a great education from a prestigious school, or a high paying job, ” said the first student.
“That is exactly what I am saying. It's a matter of the way you think more than your education. Best selling author of The Millionaire Next Door Thomas Stanley in his latest book The Millionaire Mind states that his research found no correlation between high SAT scores , good grades and money. ”
The student with the $20,000 a year investment plan then said, “So if I want to join the 90/10 club I am better off to practice creating assets instead of buying assets. I should be creative rather than do what everyone else does, when it comes to acquiring assets. ”
“That is why billionaire Henry Ford said, ‘Thinking is the hardest work there is. That is why so few people engage in it. '” I replied. “It also explains why if you do what the 90% of investors do you will join them in sharing only 10% of the wealth.”
“Or why Einstein said, ‘Imagination is more important than knowledge,' ” added another student.
“Or why my rich dad gave me this tip when hiring an accountant. He said, when you're interviewing an accountant ask him or her, ‘What is 1+1?' If the accountant answers ‘ 3' don't hire the person. They're not smart. If the accountant answers ‘2' you also don't hire them because they are not smart enough. But if the accountant answers, ‘What do you want 1+ 1 to be?' You hire them immediately. ”
The students laughed as we began packing up our materials. “So you create assets that buy other assets and liabilities. Is that correct?” asked a student. I nodded my head.
“Do you ever use money to buy other assets ?” asked the same student.
“Yes, but I like to use money generated by the asset I create, to buy other assets,” I replied, picking up my briefcase. “Remember that I don't like working for money. I'd rather create assets that buy other assets and liabilities.”
A young student from China gave me a hand with my bags and said, “And is that why you recommend network marketing so much? For very little money and risk, a person can build an asset in their spare time.”
I nodded my head, “A worldwide asset they can pass on to their kids if their kids want it. I don't know of too many companies that will let you pass on your job to your kids. That is one test of an asset, the test if you can hand it on down to the people you love. My dad, the man I call my poor dad, worked very hard to climb the government ladder. Even if he had not been fired, he would not have been able to pass on his years of hard work to his kids, not that any of us wanted the job or were qualified to take the job anyway. ”
The students gave me a hand out to my car. “So think about creating assets rather than working hard and buying assets,” said the $20, 000 dollar student. “If you want to get into the 90/10 club,” I replied. “That is why my rich dad constantly challenged my creativity to create different types of assets in the asset column without buying them. He said it was better to work years at creating an asset rather than to spend your life working hard for money to create someone else's asset.”
The $20,000 dollar student then said as I climbed into my car , “So all I have to do is take an idea and create an asset, a big asset, that makes me rich. If I do that I will solve the 90/10 riddle and join the 10% of all investors that control 90% of the wealth. ”
Laughing, I pulled my door shut and replied to his last comment, “If you solve the 90/10 riddle in real life, you will have a good chance of joining the 10% that control 90% of the money. If you don't solve the 90/10 riddle in real life, you will probably join the 90% that control just 10% of the money.” I thanked the students and drove away.
Mental Attitude Quiz
As Henry Ford said, “Thinking is the hardest work there is. That is why so few people engage in it.” Or as my rich dad said, “Your brain can be your most powerful asset and if not used properly, it can be your most powerful liability.”
My rich dad had me repeatedly create new assets in an empty asset column. He would sit down with his son and me and ask us how we could create a new and different asset. He really did not care if the idea was crazy and zany, he just wanted us to be able to substantiate how this idea could be turned into an asset. He would ask us to defend our thoughts and challenge his challenges. In the long run, it was a lot better than him telling us to work hard, save money, and live frugally, which is what my poor dad recommended.
So the mental attitude quiz question is:
“Are you willing to consider creating your own assets rather than buying them?”
Yes____ No____
There are many books and educational programs written on how to buy assets wisely. For most people, buying assets is the best plan for them. I would also recommend that for the secure and comfortable levels of your investment plan that those assets be assets you buy. Invest in such assets as blue chip stocks and well managed mutual funds for the secure and comfortable level. But if you have dreams of becoming a very rich investor , the question is “Are you willing to create your assets rather than buy someone else's assets?” If not, then as I said, there are many books and educational programs about how to purchase assets.
If you are willing to consider how to create assets, then the remainder of this book will be valuable, maybe priceless. It is about how to take an idea and turn it into an asset that will acquire other assets . It is not only about how to make a lot of money in the asset column, it is also about how to keep the money that asset makes and have it acquire even more assets as well as the luxuries of life. It reveals how many of the 10% came to acquire 90% of the money. So if this is of interest to you, then please read on.
Again, this is the 90/10 riddle: The riddle is, “How do you create an asset in the asset column without spending money to acquire it?”
Robert's Note:
My first big business was the nylon and Velcro surfer wallet business in 1977. It was created as a very big asset in the asset column. The problem was, the size of the asset created was big, but my business skills were small. So while I was technically a millionaire in my twenties, I also lost it all in my twenties. I repeated the same process three years later in the rock and roll business. When MTV hit, our little company was in the perfect position to capitalize on the craze. Again, the asset created was bigger than the people that created it. We went up like a rocket ship and came down like a rocket ship without gas . The rest of this book is dedicated to creating big assets, having the professional talent to match the size of the asset, and how to keep the money made by investing in other, often more stable, assets. As my rich dad said, “What good is making a lot of money if you don't keep it?” Investing is the way smart people keep their money. |
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发表于 17-4-2009 01:51 PM
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原帖由 jasonhanjk 于 17-4-2009 01:15 PM 发表
分享一篇文章，看了过后再通知我。
解谜。。。。。。。。。。。。 |
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发表于 17-4-2009 02:11 PM
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发表于 17-4-2009 02:11 PM
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发表于 17-4-2009 02:14 PM
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发表于 17-4-2009 02:17 PM
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回复 169# 尔齐 的帖子
不明白。
不过Pipi 讲着的，正是文章中90% 的人的做法或Plan。
其实正确的说法，应该是创意-- 〉资产---〉现金流。 |
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发表于 17-4-2009 02:17 PM
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刚刚看到jason 做了实习版主。。 恭喜~ |
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发表于 17-4-2009 02:24 PM
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要达到现金流，可以用很多方法。有一些人，用租金达到，一些人，用股票。。一些人，靠马票。。
大家有大家的方法达到现金流，没有说谁对谁错。只要觉得方法适合自己的，why not? |
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发表于 17-4-2009 02:34 PM
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发表于 17-4-2009 02:39 PM
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原帖由 pipi88 于 17-4-2009 02:24 PM 发表
要达到现金流，可以用很多方法。有一些人，用租金达到，一些人，用股票。。一些人，靠马票。。
大家有大家的方法达到现金流，没有说谁对谁错。只要觉得方法适合自己的，why not?
离题了，我们去实习版主的楼， 要吗？
电子狗美女， 抱歉！
ps： Pipi 你对现金流可以有误解。 |
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发表于 17-4-2009 02:40 PM
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发表于 17-4-2009 02:45 PM
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原帖由 尔齐 于 17-4-2009 02:39 PM 发表 
离题了，我们去实习版主的楼， 要吗？
电子狗美女， 抱歉！
ps： Pipi 你对现金流可以有误解。
好。搬家。。。  |
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发表于 17-4-2009 03:14 PM
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原帖由 pipi88 于 17-4-2009 02:45 PM 发表
好。搬家。。。
Jason, 借你的楼.
Robert仔研究俱乐部
请到Robert仔研究俱乐部讨论财富自由之路！
第一课题，90/10的谜思讨论会。
http://cforum3.cari.com.my/viewthread.php?tid=1423582&page=1#pid59246620 |
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发表于 17-4-2009 04:21 PM
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发表于 17-4-2009 06:07 PM
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发表于 17-4-2009 06:22 PM
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LZ，
若你真的那么厉害，还是你的消费者朋友有多么厉害处理利息的话。
今天你就不会开这个楼来说你的问题了！看#1就够了！ |
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