Re: Узнаю некоторых:-)
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mavery | Tue, Jul 17 at 10:45am:
В ответ на: Узнаю некоторых:-) posted by DMTR on Tue, Jul 17 at 09:25am:
DMTR говорит, что, : : Тогда уж вопрос - а откуда вообще берется : : среднестатистический миллионер? : : Как правило это человек, продавший какой-то : продукт очень большому числу людей. =============================================="The Millionaire Next Door" - A Book Review by: Raymond F. Kohn I just finished reading a most fascinating book, toeled: "The Millionaire Next Door" by Thomas J. Stanley, Ph.D. and William D. Danko, Ph.D. 1996, $22.00, 258 pages. The authors have been studying the wealthy in this country for over 20- years, and it's this research that is the basis for their book. The authors are marketing research specialists who advise commercial businesses on the best ways to market their products or services to the rich of this country. The authors have taken their two decades of research, numerous interviews, combined with their personal insights, and wrote a book about what makes the rich tick, and how they got rich in the first place. The idea is, if we can learn how the rich got rich in the first place, we could all learn how to become wealthy too. One of the true benefits of this book is that it finally puts to rest the many myths, and misguided assumptions, about whom the rich really are and how they got that way. It is a real eye-opener to say the least. Despite what you have heard, or read about in the press, or even seen on television shows like: "The Lifestyles of the Rich and Famous," the vast majority of "Rich Americans" do not live high profile lives of conspicuous consumption. In fact, just the opposite is true. The book opens with a hard hitting "Introduction" which lays the groundwork for the eight chapters that follow. The introduction states: "Many people who live in expensive homes and drive luxury cars do not actually have much wealth . . . Many people who have a great deal of wealth do not even live in upscale neighborhoods." The authors go on to say: "we have discovered who the wealthy really are, and who they are not. And, most important, we have determined how ordinary people can become wealthy." The authors draw a distinction between "wealth" and "income." There are many "high income" individuals who have very little "wealth" or "net worth." These high income individuals literally are spending every dime they earn and then some, leaving little or nothing left over to go toward the accumulation of real "wealth." Here are some quick statistics which help bring home the point: More than 25 million households have incomes above $50,000 per year. More than 7-million households have incomes above $100,000 per year. But in spite of these high incomes, these same people have very low levels of "accumulated wealth" (net worth). The average American household has a net worth of less than $15,000 (excluding home equity). And, when you remove automobiles, furniture, and personal possessions, their net worth drops to zero. Even the very top quintile of Americans are not really wealthy. Their median household net worth is less than $150,000, and when you exclude their home equity, it falls to less than $60,000. The "rich" highlighted in this book are true "millionaires." They are financially independent. They could maintain their current lifestyle for many years without ever earning another paycheck. And more important, they are not the Rockefellers or Vanderbilts, they did not win lotteries, or sign multimillion dollar contracts with the Yankees. More than 80 percent of the "rich" are ordinary people who have accumulated their wealth slowly, and steadily. The typical American millionaire is a compulsive saver and investor. They are self-made millionaires and are first-generation rich. Over the many years of research, the authors have noticed seven keys "common denominators" that many millionaires have in common with each other. Below is a list of those seven common denominators: 1. They live well below their means 2. They allocate their time, energy, and money efficiently, in ways conducive to building wealth 3. They believe that financial independence is more important than displaying high social status. 4. Their parents did not provide economic outpatient care 5. Their adult children are economically self-sufficient 6. They are proficient in targeting market opportunities 7. They chose the right occupation In the first chapter the authors give you a typical "Portrait of a Millionaire." Again, the information is most insightful. The typical millionaire is: A 57 year old male, married with three children. About one in five is retired. About two-thirds are self-employed. (Being self-employed is a key element that comes up often throughout the book: Their research indicates that less than 20% of the working population in America is self-employed, yet 66% of millionaires are self-employed. This is not coincidence.) Many of the businesses they operate are "dull and normal" ranging from janitorial services, auctioneers, to owners of mobile home parks. Their median taxable income is $131,000 per year. Median net worth is $1.6 million. 97% are homeowners, and the average home value is $320,000. 80% are first generation affluent. They live well below their means, wear inexpensive suits purchased at J.C. Penny's, and drive older American cars. In other words, most millionaires are not only hard working, but are serious tightwads. They have an enormous respect for the American work ethic and don't take their hard earned wealth for granted. And, more important, they do not show off their wealth with expensive possessions. They live so modestly, that even their own children are totally unaware of their parent's millionaire status. They are fastidious investors, investing nearly 20% of their household income each year. And, they typically make their own investment decisions. They maintain strict household budgets, and can tell you exactly how much they spent on food or clothing during the past year. For the most part, it takes many years to accumulate wealth, hence the typical age for a millionaire is over 50. For those of you who are under the age of 50, the big question becomes -- How do you know if you are on track to becoming a millionaire? The answer to this question is one of the real values of this book. The authors have created a formula which takes into consideration your current age and annual income in determining whether or not you are "on track" to eventually becoming rich. This formula is one of the most valuable elements contained in this book. It is a very simple formula: Take your "Current Age" divided by "10" and then multiply that result by your "Annual Income": The result will equal what your "Current Net Worth" should be (excluding your home equity). If your net worth is less than half the calculated amount, you are considered an "Under Accumulator of Wealth" (UAW) and will probably never become a millionaire without changing your ways. If your net worth is as calculated, you are considered an "Average Accumulator of Wealth" (AAW) and will very likely become a millionaire before retiring. And, if your net worth is twice the calculated amount you are considered a "Prodigious Accumulator of Wealth" (PAW) and will most assuredly reach your goals. It should be noted that becoming a millionaire is a combination of having a reasonable good level of current "income" while maintaining a frugal lifestyle, combined with an aggressive savings and investment program. The authors make reference to the fact that if your annual income falls below $75,000 per year, it becomes far more difficult to accumulate wealth because you have less income to work with. However, it should be noted that there are many examples of people who have started saving early enough in their lifetimes thus taking advantage of many decades of compounded investment returns to eventually become millionaires. The book's purpose is to highlight the personal traits of PAW's who have become millionaires. The reader can compare their own sense of monetary values against those of the typical PAW and find similarities or discrepancies, as the case may be. You quickly learn that having a "high income" alone has absolutely nothing to do with being "wealthy." The authors highlight countless case studies of individuals earning in excess of $200,000 per year, and yet could barely make ends meet. In one case a physician was earning over $600,000 per year and could not save enough for his own retirement. He fell into that category of being a "high consumption - low savings" UAW personality. While on the other end of the spectrum, the authors highlighted individuals who had very modest incomes, chose to live well below their means, and saved every penny they possibly could. Their frugal lifestyle, combined with a dedication to saving and investing resulted in them being able to accumulate enormous wealth in their lifetimes. Living a life of Thrift and Investment is the universal secret of becoming "rich" in America. Despite the life lessons regarding wealth accumulation, this book gives the reader enormous insight into how parents relate to their children. In some cases, "high consumption" parents raise "high consumption" children who have never learned the virtues of frugality. Likewise, at the opposite end of the spectrum, it is so easy for the wealthy to indulge their own children to protect them from the "slings and arrows" of life, that the wealthy inadvertently create "dependent adults" who become serious underachievers with all of the related negative consequences of such a circumstance. This portion of the book will give all of us who have children serious pause for thought. I am so impressed with this book, that I have been recommending it to everyone I know. I am insisting that my son read it. And, if I ever loose sight of the American work ethic, I will reread it again and again. This book should be mandatory reading for every American in this country. It's no wonder that it is a New York Times Best Seller.
Все ответы
Разработка МТС и стопы - вопрос ГУРУ - Технарь on Tue, Jul 17 at 02:31am
Re: Разработка МТС и стопы - вопрос ГУРУ - konkop on Tue, Jul 17 at 04:31am
Re: Разработка МТС и стопы - вопрос ГУРУ - Urmas on Tue, Jul 17 at 04:53am
Re: Дык, вот! - konkop on Tue, Jul 17 at 05:30am
Re: Дык, вот! - Urmas on Tue, Jul 17 at 05:49am
Re: Дык, вот! - mval on Tue, Jul 17 at 06:35am
немного не понял - Urmas on Tue, Jul 17 at 07:20am
Re: немного не понял - mval on Tue, Jul 17 at 08:02am
Re: немного не понял - Urmas on Tue, Jul 17 at 08:18am
Re: немного не понял - mval on Tue, Jul 17 at 08:28am
и все же ?? - Urmas on Tue, Jul 17 at 08:55am
Re: и все же ?? - mval on Tue, Jul 17 at 09:13am
Re: и все же ?? - Urmas on Tue, Jul 17 at 09:27am
Re: Разработка МТС и стопы - вопрос ГУРУ - alex1304 on Tue, Jul 17 at 03:50am
Re: Разработка МТС и стопы - вопрос ГУРУ - Технарь on Tue, Jul 17 at 05:01am
Совет как заработать 300% годовых. RISKFREE - мужики, не смешите on Tue, Jul 17 at 05:34am
Re:Не умеете считать - - Технарь on Tue, Jul 17 at 06:27am
одна очень парадоксальная гипотеза - мужики, не смешите on Tue, Jul 17 at 07:45am
Re: Не знаю таких бомжей - Технарь on Tue, Jul 17 at 11:17am
ну-ну... - мужики, не смешите on Tue, Jul 17 at 07:26am
блин ..... - Urmas on Tue, Jul 17 at 05:51am
Re: блин ..... - мужики, не смешите on Tue, Jul 17 at 07:32am
Узнаю некоторых:-) - DMTR on Tue, Jul 17 at 09:25am
Re: Узнаю некоторых:-) - mavery on Tue, Jul 17 at 10:45am
Re: блин ..... - Технарь on Tue, Jul 17 at 08:39am
Re: блин ..... - Prof on Tue, Jul 17 at 08:01am
Re: блин ..... - Urmas on Tue, Jul 17 at 07:43am
Re: Разработка МТС и стопы - вопрос ГУРУ - alex1304 on Tue, Jul 17 at 05:22am
:o)) репост ( шутка) - Urmas on Tue, Jul 17 at 03:01am
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