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                          窮人所以窮:是沒有把夢想變現實

                          來源: www.numenleather.com 時間:2010-07-12 編輯: 人生感悟
                          窮人所以窮:是沒有把夢想變現實   投資致富的先決條件是將資產投資于高報酬率的投資標的上。而存放在銀行無異于虛耗光陰,浪費資源。

                            窮人之所以窮,很多時候不是因為沒有,而是沒有去把變成現實。

                            有1萬元錢,5個人分,每人可得2000元,誰也不窮,誰也不富。要是其中的兩個人用自己的2000元去做生意,每人又賺了1萬元,那么這個社會的財富總量就達到了3萬元。而其中的兩個富人擁有2.4萬元,占80%,三個窮人擁有6000元,占20%。

                            在這種情況下,我們能說三個窮人“窮了”是因為兩個富人“富了”嗎?不能。因為兩個富人的“富”來自于社會財富的“增量”,而不是從另三個人手中奪取的“存量”。

                            不僅如此,兩個富人在給自己創造財富的同時,也給三個窮人增加了就業機會和勞動收入。那樣,在兩個富人每人的財富總額達到1.2萬元的時候,三個窮人每人的財富也就可能不再是2000元,而是3000元或者5000元。

                            法國有位貧窮的年輕人,經過十年的艱苦,終于成為媒體大亨,躋身于法國50名大富翁之列。1998年他去世,將自己的遺囑刊登在當地報紙上,說:我也曾是窮人,知道“窮人最缺少的是什么”的人,將得到100萬法郎的獎賞。幾乎有兩萬人爭先恐后地寄來了自己的答案。答案五花八門。大部分的人認為,窮人最缺少的是金錢。另一部分人認為,窮人最缺少的是機會、技能……但沒有人答對。一年后,他的律師公開了答案:“窮人最缺少的,是成為富人的野心!”

                            這個謎底震動了歐美,幾乎所有的富人都予以認可,說出了自己成為富人的關鍵所在。這里說的“野心”,準確地說,應該是我們常講的“雄心壯志”。我們難以設想,一個心志不高的人,一個沒有遠大的人,連一張藍圖都沒有的人,能夠創造出什么奇跡。

                            通常對富人之所以能致富,較負面的想法是認為他們運氣好或從事不正當的行業;較正面的想法是認為他們更或克勤克儉。但萬萬沒想到,真正的原因在于他們的理財習慣不同。投資致富的先決條件是將資產投資于高報酬率的投資標的上。而存放在銀行無異于虛耗光陰,浪費資源。

                            我小時候5分錢買一支小豆雪糕,現在最便宜的雪糕是一元錢一支,這20年“同檔次”的雪糕價錢漲了20倍。如果把這筆錢存在銀行并要求它保持購買力不變的話,就要求銀行的每年單利是100%左右,哪個銀行有這樣的利息?

                           
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