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1.人生第一桶金
Earning your first million at age 20: Tips from Cristina Decena
Many may think earning a million pesos at the age of 20 is impossible, but businesswoman Cristina Decena proved otherwise.
Born to a poor family in Tondo, Cristina decided she will not become part of her parents’ burden, so she started working at a young age.
She started her business sense by selling candies as a child. In college, she sold clothes and food. From these small businesses, she saved up enough money to invest in real estate, which earned her first million at 20 years old.
Save money - and take it seriously
Not being born with a silver spoon, Cristina learned the value of saving money at a young age. She was able to save what she earned from her small businesses and was surprised by the accumulated results.
Sell second hand goods for a higher price
A self-confessed “vain” person, Cristina shows “Powerhouse” host Kara David her collection of signature bags and belts. Her collections do not only serve as trendy pieces but also as investments, since she manages to sell her used bags and belts for a higher price!
Get your hands dirty
Two of Cristina’s main source of income are her build-and-sell real estate and furniture businesses. Deviating from the usual perception of what a company owner is supposed to do, she actually educates herself in the nitty gritty details of the job.
Have the right attitude towards success
What’s knowledge and talent without the right attitude? Cristina owes her success not only to her clients and employees but also to herself and to God. (gmanetwork.com)
Questions:
How to earn your first million?
How to save money?
What are the money habits that can help you get wealthy?
What are the ways to get rich?
What are the right attitude towards success?
Money-making ideas - how to make money quickly?
How to start your own business?
How to become successful while you're young?
Do you admire the rich or resent the wealthy?
What do you think of the rich people and lavish lifestyle?
2.不以貌取人
Susan
Boyle - don't judge a book by its cover
Moms across America continue to cheer on
singing and Internet sensation Susan Boyle, especially as she enters the finals
of Britain’s Got Talent. Why? This once frumpy Scottish spinster gives parents
a real life example to point to when we preach to our kids, “Never judge a book
by its cover.”
I’ve said these exact words to my sons on
numerous occasions, especially after they've met someone who may not be popular
or well liked. Kids can be mean and spiteful, especially during the middle
school years. That’s why it’s so important to stress to them that looks do not
matter. What’s truly important is what’s inside a person: heart, soul and a
compassion for others.
Susan Boyle is a perfect example to point
out to our kids. Her golden voice is may be housed in a frumpy frame, yet she
became a worldwide sensation and has been viewed on YouTube by more than 60
million viewers. Boyle even received an apology from Simon Cowell on Sunday for
treating her disrespectfully by saying, “You know what, I just want to
apologize because of the way we treated you before you sang the first time. You
made me and every one else look very stupid, and I’m very happy for you, very
proud of you.”
Wouldn’t we all love for our kids to say
something similar to someone they may have treated badly because he or she
looked weird, or didn’t fit with the “in” crowd? How great is it to have a
shining example of why we should never judge a book by its cover? (examiner.com)
Questions:
What do you think about Susan Boyle’s
story?
Do looks really matter?
What do you think about talent shows? How
to win a talent show?
Do you want to become a worldwide
sensation?
Do you jealous of other women /men that
more attractive?
When your dress nice you get treated
better?
Do you unattractive people treated badly
when applying for a job?
Are we treated ugly people differently?
Do you treat ugly people with less respect
then good looking?
Why do pretty people get treated better
then ugly?
3.冰桶挑戰
The idea is simple: Take a bucket of ice water, dump it over your
head, record it and post the video on social media.
It's cold, it's fun and it's contagious. But these ice bucket
challenges and similar social media-powered stunts also are raising awareness
and money for causes such as Lou Gehrig's disease, breast cancer and a camp for
kids who have lost their fathers to war.
Question:
What do you think about this charitable activity ”the ice bucket
challenges”?
上班也能存百萬
對普通的上班族而言，人生財富累積過程中最重要的分水嶺莫過於100萬元。有了100萬元後，才有機會錢滾 錢，累積更大財富。根據104市調中心調查，工作滿10年的上班族，竟有一半的人，手邊存款不到100萬元。其實，只 要找對方法，持之以恆，薪水族也能擁有百萬、甚至千萬財富。
暢銷書《我上班，我存到一百萬》的作者謝依珊，念書時，毫無節制地消費，曾窮到要靠現金卡過活。但，二十七歲那年，她從德國深度旅行回來後，就抱定環遊世界的夢想，為存到旅費，開始扭轉理財觀念，改變過去消費行為。兩年內，她快速累積到人生第一桶金，關鍵就在開源節流，雙管齊下。
開源節流 月光族變身理財作家／謝依珊雙管齊下兩年存到百萬元
一位曾經為了買衣服，搞得自己沒錢吃飯、還必須靠預借現金過活的漂亮女生，兩年內靠著「上班存錢」方式存到一百萬元。她的經歷對現代上班族，或存不了錢的月光族（每月薪水花光光）來說，可能是個神話。
有錢就花，購物不手軟
暢銷書《我上班，我存到一百萬》的作者謝依珊，念書時，就像其他女大學生一樣，愛唱ＫＴＶ、愛逛街買衣服。只要自己喜歡的東西，拿出父母給的生活費，不用多想，立刻就可以把東西帶走。這樣不經思考的消費習慣，導致兩種情況發生，一是她常搞不清楚錢花到哪裡去，另一是她買東西的檔次愈來愈高。
「以前逛街想買就買，只要沒錢就開口向爸媽要。這樣買東西沒有阻礙，層次也不自覺提高，從路邊攤、一般商店，一路買到百貨公司。」謝依珊過去對存錢沒什麼概念，只要一有錢，就會想出國、逛街買東西。直到三年多前，從德國自助旅行回來，才扭轉她對金錢的觀念。
謝依珊熱愛出國旅遊，從大三那年開始，不論是跟團還是自助旅行，每年都會去日本。一趟旅程花費下來，金額約在四至六萬元左右，稱得上是標準的「血拼敗家團」。她坦承，當時喜歡去日本的原因，就和一般追求時尚的女生一樣，目的是逛街、享受美食，然後買很多東西。
「我去日本京都幾次，每次去都必吃一家早餐，好吃但很貴，約新台幣六百元的厚片土司。現在想起來，會覺得不可思議。其他花費都是買小東西，單價看起來還好，但全部加起來就要好幾萬元。」謝依珊說，現在心境已和前幾年不同，出國是為了看這美麗的世界，也不太買紀念品，頂多就是幾張明信片而已。
轉變的關鍵，在二十七歲那年。學美術的謝依珊，為自己計畫了一趟德國之旅。「當時，去德國的旅費是父母資助、男友也幫忙補貼了一點，自己則將所有身家財產全部投入，抱著回國後從零開始的心情，踏上旅程。」
夢想驅使，啟動存錢念頭
謝依珊說，之前旅遊目的純屬「物質導向」；德國之旅卻提高了她的心靈層次，變成「精神導向」。
「德國回來後，我已身無分文。但卻有一個很強的動機，驅使我要開始存錢，那就是環遊世界的夢想。而要達到這個目標，估計要花一百萬元。」德國這趟深度之旅，開啟了謝依珊的世界大門。以前覺得談錢太俗氣，理財沒意義，後來才體認到，原來投資理財最終目的，是為了達到人生某種程度的自由。
為了這個浪漫的想法，謝依珊開始諮詢身邊經濟狀況不錯的親友，希望能從這些達到「財富自由」的人身上，找到正確、且實用的理財方法。後來，她的阿姨告訴她，理財的第一步要先存錢，有了儲蓄的觀念後，再來投資。
對過去沒有儲蓄習慣的人來說，要持續、不間斷地累積存款，就像要戒菸的人一樣，容易遇到挫折，就乾脆放棄。謝依珊沉浸在德國遊的感動之中，也擔心未來自己會因「撐不下去」半途而廢。她回國後，就索性一腳踏進與所學毫不相干、但卻是最容易學習投資理財的金融業。
月存半薪，開源節流一起來
進入銀行第一件事，就是聽長輩的建議，將每月薪資先扣一半存起來，剩下的才花用。所以她向銀行辦理儲蓄存款，每月薪水發下來，就先自動扣掉一半，強迫自己存錢。
「起初，為了想盡快達到一百萬元目標，就定下高標準，利用前面衝刺期，試試自己的能耐。沒想到，物質欲望降低後，發現存錢也沒那麼困難。」謝依珊說，一開始存錢時，覺得生活上要顧慮的事很多，比方買個東西要再三比價、還沒用完的東西，就要等用完後才能買。不能像以前一樣隨心所欲，否則一定會透支。
時間久了之後，這些顧忌反而變成習慣。出門逛街，不再大包小包的買回家，日常用品也是有缺才補，不會囤積多餘的物品。定時大掃除、整理居所，把不要的東西全部丟棄，生活也因此變得井然有序，簡單輕鬆許多。謝依珊發現，原本以為開始存錢，就必須犧牲物質享受，現在回頭看，其實只是減少不必要的負擔。不但沒有損失，心靈上更容易獲得滿足。
對謝依珊來說，上班族要累積人生第一個一百萬元，開源節流是基本動作。像她是美術科班出身，下班後還能接些網頁設計的案子。只要不影響白天工作、生活作息，兼差就能賺到一筆額外收入。有時候幾萬元入袋，積少成多，就是所謂的開源。
至於節流，其實就是減少開銷，徹底改變以往的消費模式。包括過去三年她只買了十件衣服；襪子破了縫補後可以再繼續穿；早晚餐也都是自己做，靠著簡單的食材，就能填飽肚子。另外，為節省通車時間、爭取兼差機會，她選擇在公司附近租屋。每天走路十五分鐘就可到，不但賺到時間、健康，也省下一筆交通費。
即使是準備步入結婚禮堂，她也堅持一切從簡。「之前我問了幾家婚紗攝影公司，費用多在五至七萬元左右。如果自己準備，上網買禮服、配件，找拍攝造形等，這樣約四萬元。」謝依珊說，等到婚禮結束後，再把禮服及只會穿兩次的紅色高跟鞋統統上網拍賣掉，這樣費用大概就只剩拍攝造形，約一萬多元。
開源、節流雙管齊下，謝依珊存錢的速度比自己想得還快。仔細算起來，她是從二十八歲開始執行這個存百萬元的計畫，沒想到，在短短兩年內，也就是她三十歲那年，就達到這個目標.…（本文轉載自今周刊2009年第660期 撰文‧今周刊歐陽善玲/攝影‧吳東岳）
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