译吧论坛
您当前的位置:主页 > 翻译资讯 > 译文欣赏 > Money:通往财富之路的7大障碍

Money:通往财富之路的7大障碍

时间:2010-07-27 21:52    来源:    作者: 点击:
每日一句: ...[详情]
 

    This article is about Basics, Odds and Ends

    Earlier today, I wrote about Brett Wilder's The Quiet Millionaire. It's different than most personal finance books I've read. It's targeted at those who are further along their financial journeys rather than at those just starting out. Still, there are bits and pieces in The Quiet Millionaire that are applicable to everyone.

    I particularly liked Wilder's list of the seven enemies to financial success (which is my phrase, not his). Over the past few weeks, I've found myself thinking of this notion again and again. He writes:

    If you want to become and stay the quiet millionaire, you must plan and manage your financial way of life…You must be proactive in order to obtain the financial life you want. By doing this, you will overcome the seven major obstacles to financial success.

    Wilder is saying that we know there are certain common barriers to wealth. These obstacles arise for everyone. Because of this, it's possible to plan in advance to cope with them. First, however, we have to be able to name these enemies so that we can prepare the proper weapons to fight them.

    According to Wilder, the seven enemies of financial success are:

    · Lack of discipline.Without discipline, it's difficult to build wealth. In fact, it's impossible to get rich - slowly or otherwise - if you spend more than you earn. The math just doesn't work. Wilder also warns against compulsive spending, and he urges readers to track where their money is going.

    · Materialism.Stuff will not enrich your life. It's so very easy to find yourself "keeping up with the Joneses", succumbing to lifestyle inflation. But materialism breeds discontent. Instead, Wilder says, focus on intellectual and spiritual pursuits to obtain fulfillment.

    · Debt.Not all debt is bad, of course. A reasonable mortgage on a sensible home is fine. But consumer debt - or a bad mortgage on a big house - is an enemy to financial success. In fact, bad debt may be thebiggest enemy to financial success.

    · Taxes.It's our responsibility to pay the taxes we owe, but we're under no obligation to pay more than that. "It is not unpatriotic to reduce paying your taxes," Wilder writes. We should instead actively work to keep our tax burden as low as possible.

    · Inflation.Inflation is wealth's silent enemy. It will not destroy you all at once. But it's always there, nibbling at the corners of your life, consuming a little cash every year. It's impossible to keep inflation completely at bay, but you can learn to mitigate its effects.

    · Investment mistakes.As many investors learned last year, poorly structured investment portfolios can be a killer. This enemy is fought through education, through an understanding of diversification and asset allocation, by taking the emotion out of investing.

    · Emergencies.The final enemy to financial success is the unexpected: unemployment, death, illness, and legal complications. Without a plan for emergencies, you leave yourself at the mercy of the fickle fates. Carry adequate insurance and maintain an emergency fund!

    I'd argue that there's at least one additional enemy to financial success: lack of purpose. If you don't know why you're saving and investing, you have no reason to do so. Without a destination in mind, you cannot set a course. The road to wealth is paved with goals.

    Note that some of these financial enemies are external and that some areinternal. Some of these enemies come from inside of us.

    I've fought all of these enemies at one time or another. I seem to have vanquished my internal foes - at least temporarily. But to ward against the external foes requires constant vigilance. And there's always the chance that an internal enemy can rear its ugly head again.

    Which of these foes is your greatest nemesis and why? How do you fight it?

    本日早些时辰,我写了一篇有关布莱特王尔德写的"安谧的百万财主"的文章。这本书跟我看过的很多个人私家理财书籍不年夜不异。书是给那些已经在个人私家理财的半道上的人写的,而不是给初学者写的。不过,这本书里仍旧有一些悉数人都可以参考的对象。

    我出格喜欢王尔德在书里罗列的"财务乐成的七个仇敌"(这个是我的说法,不是他的).已往几周时刻里,我不竭地把这些不雅见识重复想了很多次。他是这样写的:

    "要是你想成为安谧的百万财主,你就必需打算并且打点你的财务糊口。你得积极步履,这样才华获得你想要的财务糊口。经由过程这些步履,你就能战胜这七个财务乐成路上的拦路虎。"

    王尔德说的是:我们知道通往工业的路上有一些特定的窒碍。每个人私家城市碰着这些窒碍。正由于云云,我们就年夜概提前打算,让自己应对自若。不过,首先,我们得要能叫出这些仇敌的名字,这样我们才华筹备恰当的刀兵打败他们。

    对付王尔德来说,财务乐成路上的七个仇敌便是:

    1.缺乏自律。要是没有自律,你就很难聚积工业。毕竟上,要是你花的比挣的多的话,变富是不成能的,无论是很慢地变富照样其他什么方法。这时辰算账不中用。王尔德还申饬了强制斲丧的风险,他催促各位读者要不时仔细自己的钱花到那边去了。

    2.物质至上。物质不会厚实你的糊口,很快你就发明自己在跟别人攀比,起头功用于膨胀的糊口方法。但物质至上会诱发不安和恐惧。王尔德说,相反,应该仔细常识和精神上的寻求来到达厚实糊口的目的。

    3.债务。固然了,并非悉数的债务都是不好的。有一个不错的小家,供一个公道的按揭贷款,这就很好。可是,斲丧债务-可能供一个年夜屋子的按揭贷款-便是财务乐成路上的仇敌了。毕竟上,不好的债务年夜概是最年夜的仇敌。

    4.税务。我们有任务缴纳自己的税务,可是我们没有任务缴纳跨越我们缴纳领域的税务。"淘汰纳税并不是不国,"王尔德写道。相反我们应该全力让税务越少越好。

    5.通货膨胀。通胀是工业路上的那么惬意沉着荒僻默默的仇敌。它不会一会儿把你打垮,但它会一向在那里,在你的糊口小角落里一点点啃食你的工业,每年城市耗损一些。要想完全管束住通胀是不成能的,但你可以减轻它带来的影响。

    6.投资错误。就像良多投资者去年学到的那样,差能人意的投资组合简直就能吃人。人们经由过程理解理睬投资多样化,资产分配等等手艺,另有将感情身分从投资历程中剥分开这一系列的举措,使得战胜"投资错误"是整个进修投资历程中的一年夜仇敌。

    7.紧迫变乱。财务乐成的末了一个仇敌是不成预知的事物:失踪业、衰亡、罹病、法令纠缠。要是没有对这些紧迫变乱的打算,你年夜概会陷入无常之中,而毫无步伐。采办须要的保险,继承对紧迫基金的投资!

    我想说的是:至少另有一个财务乐成路上的年夜敌:缺乏方针。假若你不知道自己为什么要存钱、投资的话,那你就没理由去做了。心中无目的,你就不成能给自己一个打算。要知道,通往工业的路上铺满的是方针。

    记取有些仇敌是外在的,而有一些则是内在的。有一些是从我们心田深处孕育产生的。

    我跟悉数这些仇敌都交锋过不止一次。我似乎已经打败了自己心田的仇敌-只是短暂的。不过要克服外在的仇敌得要有接踵而来的警戒。另有,心田的仇敌也年夜概会再次举头。

    你最年夜的仇敌是哪些,缘故起因是什么?你是怎么克服他们的?




扩展阅读: You never really hear the truth from your subordinates until after 10 in the evening. 晚上十点往后你才华从属下那里听到些真话。 Success is not defined by obtaining everything you want, but by appreciating everything you ha...[详情]