Sabtu, 12 April 2008

modal adalah.............

Menjadi kaya anda memerlukan modal

Menjadi kaya anda memerlukan modal. Dan ingat, modal tidak berarti selalu harus dalam bentuk uang, modal bisa berupa tenaga pikiran kemauan keahlian dll yang biasa digunakan untuk mendapatkan uang secara halal.

1.menjadi kaya anda harus sehat, jika tidak sehat tentu akan sangat menggangu anda mendapatkan uang.tapi bukan berarti orang cacat itu sakit. Sama sekali tidak banyak orang cacat yang kaya raya. Yang saya maksud sakit ialah sakit yang membuat kita tidak bias melakukan apapun misalnya lagi diare dll

Sehat sebenarnya murah jika kita mau meluangkan waktu kita untuk berolah raga, menjaga makanan dan minuman yang kita konsumsi agar yang menyehatkan saja yang boleh masuk.selain sehat fisik ,kitapun harus sehat pikirannya.jadi sehat jasmani dan rohani adalah modal

2..menjadi kaya haruslah punya keyakinan bahwa Tuhan ingin kita kaya agar kita dapat mengunakan kekayaan untuk hal hal yang baik.misalnya membantu orang miskin dengan cara langsung atau menyumbangkan ke rumah yatim piatu,korban bencana dll

Dengan keyakinan juga bahwa kalau kita kaya kita dapat mendidik anak anak di sekolah yang baik sehingga hidup mereka nantipun bisa berguna bagi TUHAN keluarga dan orang lain.jadi keyakinan adalah modal

3.menjadi kaya harus punya keahlian. Saya yakin semua orang sebenarnya punya keahlian ,asal dikembangkan dengan baik akan jadi modal yang luar biasa.

keahlian kita bisa dipertajam dengan melatihnya,dengan belajar dari teman ,radio,,buku,Koran,tabloid,majalah,kursus,seminar,workshop dan dari orang yang sudah sukses.

Didunia ini ada begitu banyak orang yang punya keahlian yang luar biasa karena ikut seminar misalnya Pak TUNG DESEM WARINGIN belajar dari banyak guru sehingga dahsyat luar biasa kini uang mengalir terus ke rekeningnya

atau bisa juga belajar dari teman. Mungkin dengan cara membantu teman di bengkel motornya,ditempat percetakannya,ditokonya dll ada begitu banyak cara untuk meningkatkan keahlian anda,

bisa juga membaca taloid usaha misalnya peluang usaha majalah pengusaha, majalah duit dll,

ada juga orang JAKARTA yang menjadi kaya karena mendapat ide dengan mendengarkan radio smart fm, pas fm ,pelita kasih, ramako fm, Sonora dll

artinya selain dengar lagu dan info lalu lintas dengar juga talk show yang berkaitan dengan cara menghasilkan uang .

dan masih banyak lagi sumber informasi yang dapat anda dapat anda pikirkan caranya bagaimana anda meningkatkan kemampuan anda .

hal ini sangat penting karena keahlian adalah modal.

4. menjadi kaya haruslah punya nilai tambah, artinya setelah kita punya keahlian usahakanlah agar kita punya keahliaan yang lebih dari pada yang lain atau berbeda dari yang lain.caranya bagaimana? anda sendiri yang akan menemukannya. Ingatlah nilai tambah adalah modal anda.,

5.menjadi kaya haruslah pandai mengunakan waktu,karena waktu pergi dan tidak kembali.

Mulailah sekarang .

Semoga berguna

anddreee@gmail.com

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sumber :http://finance.yahoo.com/expert/article/richricher/58764

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Future tense


Future Tense



by Robert Kiyosaki

Good (661 Ratings)
2.602122/5
Posted on Thursday, December 20, 2007, 12:00AM

Most financial advisors say you can't predict the future. These experts claim you can't pick a market's top or bottom. And since you (or they) can't predict the future, they advise that you just leave your money with them for the long term.

For most people, this is good advice. But for those who want to get rich, being ahead of the future is one of the best ways to amass wealth.

The best way to predict the future is to study the past, or prognosticate. My rich dad often said, "There's a difference between a fortune-teller and a prognosticator." That's why he encouraged me to take the study of history seriously.

Read the Future

Starting in the fifth grade, my development as a prognosticator began with the study of the great explorers such as Columbus, Cortez, Pizarro, Marco Polo, Magellan, and others. They traveled the world in search of gold and international trade, and I try to follow in their footsteps.

Over the years, I've read some great books on economic history that have opened my mind to the world we face today. Some of the books that have altered my vision of the future are:

"Critical Path" by R. Buckminster Fuller: Not an easy book, but one of the best I've ever read; it changed the direction of my life. Even though Fuller died in 1983, his predictions are coming true today.

"The Worldly Philosophers: The Lives, Times and Ideas of the Great Economic Thinkers" by Robert Heilbroner: This book is essential for anyone who wants to see history through the eyes of economists. A very interesting read, even though it's somewhat dated.

"The Dollar Crisis: Causes, Consequences, Cures" by Richard Duncan: This book is essential reading for anyone who wants to survive the next 20 years. It explains why the world is entering a global financial crisis, and explains why savers are losers.

World-Class Prognostication

I also follow the prognostications of James Dale Davidson and Lord William Rees-Mogg. Their 1987 book, "Blood in the Streets," predicted that year's stock market crash and the bankruptcy of the savings and loan industry. When their forecast came true, millions of average investors who had followed the standard advice to "invest for the long term" lost billions of dollars. But the 1987 crash made me millions, because I followed the advice of these two prognosticators.

Their next book, "The Great Reckoning: Protecting Yourself in the Coming Depression," predicted the break up of the Soviet Union, as well as the secession and break up of Yugoslavia and the ensuing tragedy of ethnic cleansing.

In 1997, my wife Kim and I were invited to Washington, D.C., for the launch of Davidson and Lord Rees-Mogg's latest book, "The Sovereign Individual." Many dignitaries, business leaders, and investors were there. Obviously, we had all gathered to listen to the authors' predictions for the year 2000 and beyond. Until then, I thought I had a pretty open mind. But as we listened to their predictions, Kim and I had a tough time grasping the magnitude of what they had to say about the near future.

Predictions Come True

As the saying goes, "Your mind is like a parachute -- it only works when it's open." Rather than object, question, and criticize -- as many in the audience at that reception were doing -- I simply took the book home and studied it. And the closer I studied it, the more I realized it was similar to past prognostications. As a result, between 1997 and 2000, I radically altered my thinking, my businesses, and my investment strategies.

In previous articles for Yahoo! Finance, I predicted the real estate crash, the fall of the dollar, and the rise in commodity prices. In future pieces, I'll continue to keep my mind open and peer into the future. In the meantime, if you're anxious to see what's coming up in finance, I recommend reading "The Sovereign Individual" and "The Dollar Crisis." Yesterday, these books were about the future. Today, they're about today.

In closing, remember that there is a difference between a fortune-teller and a prognosticator. I'll see you in the future.

http://finance.yahoo.com/expert/archive/richricher/Robert-Kiyosaki/1

sumber :http://finance.yahoo.com/expert/article/richricher/58764

"Once you discover what you really want to do, your coach provides the discipline to keep your agreements with yourself -- just as my rich dad provided the discipline for me." -- Robert Kiyosaki

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Investing in better research


Investing in Better Research



by Robert Kiyosaki

Good (1051 Ratings)
2.9181728/5
Posted on Thursday, January 17, 2008, 12:00AM

A few days ago, a reporter asked me if I was losing money in real estate. My reply was, "No, I'm making money."

Confused, he asked, "How can you be making money during the subprime disaster?" I explained that since the real estate market took a downturn, there were more people renting rather than buying, which is great for my apartment business. I also informed him that I'm raising rents since demand for affordable apartments is so high. When someone moves out, I increase the rent and new tenants line up, which means my cash flow is increasing.

He then asked, "Are you looking for new investments?"

A shocked look came over his face when I said, "I've been investing heavily in the stock market since August 2007. I've moved several million dollars into the market."

"The stock market?" he stammered. "Stocks are crashing. Why are you in the stock market? Besides, I thought you were a real estate investor?"

Ignorance Isn't Bliss

As Warren Buffett has said, it's important for society to have accurate and informed sources of information. While I agree, I sometimes wonder about the intelligence of many financial journalists, both in print and the electronic media.

For example, lately on financial TV stations, the reporters have been talking about the run-up in gold and asking, "Is it time to invest in gold and gold stocks?" What a ridiculous question. Now isn't the time to be investing in gold or gold stocks -- that time was 10 years ago, when gold was below $300 an ounce. Investors should've taken substantial positions when gold was cheap. For reporters to be talking about gold today is no different than them reporting on the hot real estate market in 2005, just before the top blew off.

I had dinner with a friend of a friend the other night and he was telling me about the Rothschild formula for investing. According to him, this involves not participating in the first 20 percent or the last 20 percent of an investment run-up. Instead, it's investing in the middle 60 percent, when risks are low and the direction of the price is determined. As the asset value approaches what appears to be the last 20 percent, you sell and move on to another asset class.

As we all know, most amateurs (and, possibly, many reporters) only participate in the last 20 percent.

Take Notes

I wondered if the reporter who asked why I was investing millions in stocks was an investor himself. I did my best to explain to him that there are two things professionals invest for: 1) Capital gains, and 2) Cash flow.

I said, "The amateurs who come in at the top 20 percent of a market are generally investing only for capital gains. In the last real estate boom, the 'flippers' who got no-document, zero-down loans paid very high prices, and hoped for a greater fool than them to take the property off their hands.

"These are some of the people being faced with forecloses today. They're the investors who make the news -- not the investors who are making money."

The reporter then asked me, "So what do you invest for?"

My reply? "Both. If I can, I want both capital gains and cash flow."

I went on to explain that I was investing millions in stocks that were paying a high dividend -- cash flow -- and also had their prices battered down by the market crash, a loss of capital gains.

Spelling It Out

He wasn't the brightest reporter, since he had trouble with the idea of investing for both cash flow and capital gains. After about an hour of explanation, he finally began to understand that I'm not just a real estate investor -- I'm someone who invests for capital gains at a great price, or cash flow at a great price, regardless of the asset class. If the deal is right, it doesn't matter if it's in real estate, commodities, a business, or paper assets.

Here's an example of capital gains for a great price: Back in the 1990s, every time I had some extra cash I would buy some gold or silver. Although I didn't receive any cash flow from gold or silver I knew I was purchasing the metals at a great price, and that someday those prices would rise again.

An example of buying for cash flow at a great price is when I buy a stock that pays a dividend. I wait until the stock market dips and then buy, which is what I'm currently doing. One of the better companies I've been buying is a bulk cargo shipping company that's hauling U.S. grains to India. The more the dollar drops in value, the more grains we export. Every time the market drops, I buy more of this stock at a great price, because I love the cash flow from dividends.

Finally, an example of buying both capital gains and cash flow at a great price is when I find an apartment building at a bargain, and then increase the rents. By doing so, I increase the cash flow and the property value, which translates into capital gains.

Leave It to the Pros

When I watch professional football, I love listening to John Madden because I know he knows what he's talking about. He's been both down in the trenches and in front of the bench as a coach. He knows the game. By that token, one financial reporter I respect is Bloomberg's Kathleen Hayes. She's a savvy reporter who knows what she's talking about. I wonder about some of the other financial reporters.

The problem with much of the financial news in print and on the web, radio, and television is that it comes from journalists who may not be investors. When I listen to most journalists whine and cry about the subprime mess, the slowdown in the economy, and the volatile stock market, I can all but tell that they're not really investors. None of these events really has much impact on professional investors, who follow market trends and are familiar with the underlying fundamentals of the assets they investing in.

So the next time you hear a reporter ask, "Is this the time to be getting into stocks, bonds, real estate, gold, silver, or oil?" remember that it's probably the time to be looking elsewhere. And keep in mind the Rothschild formula of investing. You never want to be too early -- and you also never want to be too late.

sumber: http://finance.yahoo.com/expert/article/richricher/62341

the profit of doom


Robert Kiyosaki Why the Rich Get Richer




Robert Kiyosaki, Why the Rich Get Richer

The Profit of Doom

by Robert Kiyosaki

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Very Good (1055 Ratings)

3.466358/5

Posted on Monday, March 3, 2008, 12:00AM

Prophets of doom have always taken risks in terms of ridicule and humiliation. If you stand on a street corner holding up a sign that reads "The End Is Near," passersby will laugh and heckle. People will say you're like Chicken Little, running around telling people the sky is falling.

Yet after an economic crash like the subprime-induced one we're experiencing now, people always say, "Why didn't someone warn us?" or "What's the government doing to save us?"

Well, in May, the government will reward the kind of greed and ignorance that sparked the subprime mess with a $168 billion stimulus package. Instead of heeding the warnings of the markets, the incompetent and irresponsible get bonus checks. Small wonder the country has money problems.

Ignored Warning

As for "the end is near" proclamations, the Jan. 11, 2008, U.S. edition of the Financial Times published one of the biggest ones I've ever seen. Next to a photo of Federal Reserve Chairman Ben Bernanke, the front-page headline read, "U.S.'s Triple-A Credit Rating Under Threat."

Unfortunately, not many people paid attention to it. I doubt that many people even know what it means, or what Moody's is, or why their warning is important. In overly simplified terms, Moody's was saying that the United States may soon become a subprime nation.

That is, the world markets will no longer recognize us as a financially responsible country, and we won't be able to maintain our financial and economic supremacy. In short, the end really is near -- from Moody's perspective, it's less than 10 years away.

The Empire in Decline

Worse, none of the leading presidential candidates even mentions this potential downgrading of credit worthiness as a problem. While I think it's noble that Barack Obama and Hillary Clinton campaign for universal health care, I've never heard either of them mention the fact that we can't afford the health care we already have.

Do I think John McCain (or, in a long-shot, Mike Huckabee) would do a better job than the Democrats? No. I have no confidence in either party or the current processes of government to tackle this issue. The problems of health care and Social Security have grown too big and are clearly beyond our control.

All empires come to an end, and the American one is no exception. We've fought too many foreign wars, swept too many domestic problems under the rug, and paid for our greedy consumption with money borrowed from too many countries around the world. The end isn't just near, it's inevitable.

Bad Times, Few Solutions

In less than three years, the first of approximately 75 million American baby boomers will turn 65. No government can change that, so until someone discovers the fountain of youth the end is not far away. In a few years, the U.S. government will begin to operate in the red, paying for campaign promises made years ago by politicians who are no longer in power.

Do the math. If 75 million baby boomers begin collecting $1,000 a month in Social Security and Medicare benefits, that comes to $75 billion in additional monthly spending. That's a lot more than the one-time $168 billion stimulus package due out in May.

Why would anyone want to run for president at this point in history? Do they believe they can solve our growing economic problems? Or will they do what every other politician has done in the past -- simply leave the problems for their successor to solve?

Don't get me wrong -- I'm impressed with the people running for president. I love the fact that we have a woman, an African-American, a war hero, and a Baptist minister to choose from. I just feel the looming financial problems are beyond their control.

The Looming Gloom

Do I see doom and gloom ahead? Absolutely. But I also see tremendous opportunities made possible by the impending murk. In fact, that Financial Times article about the downgrading of U.S. credit worthiness only validates my current investment strategies.

Regardless of what our national credit rating is, people will always want a roof over their heads, food on their tables, fuel for their cars, and clothes on their backs. Instead of betting on the Democrats or Republicans to take care of me, I would rather count on my financial IQ to guide me through the coming years. I see it as my personal responsibility to invest wisely in the equities of strong companies, well-financed real estate, energy, commodities, and precious metals, and minimize my taxes.

The people I'm concerned about are the ones who are watching their retirement accounts dropping in value with the stock market, their homes lose value rather than appreciate, and their purchasing power decline as the dollar drops.

Always a Silver Lining

For these people I'm an advocate of financial education, but I also know that many of them aren't interested in becoming more financially astute. So instead, I recommend that they buy silver coins, as long as silver is under $25 an ounce. Today, silver is cheap and easy to acquire and manage, while real estate and businesses are both management-intensive; silver requires no management, expect for a safe storage place. In addition, the iShares silver ETF (SLV) is convenient.

Silver is consumed in many industries, and it's reported that the world has less than a 10-year supply of it left. That's why I believe silver is currently one of the best investment opportunities there is -- even for people with limited financial training.

Even if the end is near, there's always a silver lining.

sumber: http://finance.yahoo.com/expert/article/richricher/69637


"Once you discover what you really want to do, your coach provides the discipline to keep your agreements with yourself -- just as my rich dad provided the discipline for me." -- Robert Kiyosaki

Take a look at where you are right now and then consider where you want to be. Your coach will help you get there. Click here to find out more about Rich Dad's Coaching.