How Tze 浩知

Life is a game of time and money. A professional football game is made up of four fifteen-minute quarters and your working life is four ten-year quarters. The Game of Money Age Game Period 25 - 35 1st Quarter 35 - 45 2nd Quarter Retire Young Retire Rich! ------- Halftime ------- 45 - 55 3rd Quarter 55 - 65 4th Quarter ------- Overtime ------- Out of Time Will You Work Forever? People who did not have anything at the end of the fourth quarter may have to work for the rest of their lives, which may not be a bad thing as long as you are able to work . In fact, I believe working keeps us healthier and happier. I know because I retired at forty-seven and found it depressing ... which is why I keep working, even though I do not have to . ~ Robert Kiyosaki Do something you enjoy and you can work at for as long as you want to work at it. There will come a time when you will call an end to the working game and really want to retire and do not...

Take Control and Win – You don’t have to be a genius to retire in style. Just don’t outsmart yourself. A retirement image that got my attention when windows shopping at Jusco Tebrau City last Wednesday. Compared to those financial products that portrayed a "golden age" image of 55 years old+, this image makes more sense as who said retirement should be 55+? The other importance of this definition of independence is TIME. Instead of working for a lifetime, and saving for a lifetime, my financial independence is NOW. Read more about financial freedom ... http://howtze.blogspot.com/2010/01/financial-freedom.html

当你知道你可以想出国旅游就出国旅游，一年想旅游多少次就旅游多少次时，你会发现原来辛苦工作十一个月，一年出国一次旅游充电的目标不再那么有吸引力。 当你知道你可以每天亲自陪伴孩子，载送孩子上下学，而一样可以赚取朝九晚五的工作收入时，你会发现原来不用牺牲那么多，让孩子亲 Kakak 的时间还多过亲你的时间。日子可以过得更好。 当你知道你可以年轻时就退休（25-45岁），不必过那种活到老、做到老（55岁退休，然后才开始所谓的享受人生？）的人生时，你会发现原来有没有退休金其实并不是那么重要。 农民思想的智慧 ( http://howtze.blogspot.com/2010/02/blog-post.html ) 告诉我们，搞不清楚原则性的策略，就变成输家的先兆了。 适度并正面的比较是好的，除了告诉你人外有人，天外有天，也暗示你的能力未必只局限于现有的成就，或许你可以做得更好，为社会做出更大的贡献。 许多人不敢去梦，不愿去想，多半是因为他们陷入一个时间换取金钱的思维模式（或陷阱？），收入有一个上限，大部分时间被绑在这个收入来源中。 要跳脱老鼠赛跑(Rat Race)的陷阱，要了解 信息的价值 ( http://howtze.blogspot.com/2011/03/blog-post_11.html )，尽量 与成功者交往 ( http://howtze.blogspot.com/2011/03/blog-post_10.html ), 因为 一理通百理明 ( http://howtze.blogspot.com/2010/02/blog-post_06.html )。 你在资本主义社会里的 最终极资产 ( http://howtze.blogspot.com/2010/02/blog-post_07.html )就是你自己，在进行任何投资前，最重要投资在自己的教育！ 多一个思路，多一条出路。山不转路转，路不转人转。你有多少信息是来自于那些已经获得了你期望获得的人生成就的人？ p/s: 如果把人生寿命比作一场足球赛（1-35岁=上半场，36-70岁=下半场，举例而已，人生七十古来稀嘛），那么年轻退休就好比少林足球戏里的少林队一样，在上半场就踢完 40 比 0 的佳绩了。

"Go to school. Get a job. Retire at 55."  VS  "Retire Young Retire Rich  - Never work again! Unless you choose to..."  “Go to school, get a job, retire at 55” VS “Retire Young Retire Rich – Never work again! Unless you choose to...” Which one sounds better to you? When you have all the time freedom, geographical freedom, and financial freedom, you work because you choose to, not because you have to. It is important to change your context and act in a new way - to stop blindly accepting that your options are limited. Act beyond a concept of limited options and realize you don't have to struggle financially, with clear, actionable steps that any individual can take, starting with education...When education becomes applied knowledge, it is a powerful tactic with measurable results. 孩子：为何你没有时间陪我们？；父亲：我必须工作，让你们有更好的生活。；结果，工作超过12小时，为确保孩子/家人更美好的生活？- 大部分人陷入这么一个盲（忙？）点，是因为他们认为自己没有其他选择，或阿Q地说“其他人都是这样的咯”。。。是吗？。。。选择比努力重要，改变一些观念，创造更多成就；多一条思路，多一个出路。 选择你所爱，爱你所选择。我超爱我的选择。感恩...

What would it mean to you to begin to get control of your finances and your life? Imagine the positive changes that you and your family would experience if you had more choices about what to do with your time. We all have to start somewhere to achieve what some say is that unattainable dream. Today, with smart planning and the support of like minded people, you can do it! To learn to take control – control of your health, your image and your finances. Financial control comes through financial independence. What exactly is financial independence? For many people financial freedom translates to: “I’m going to work until I’m 65 and then retire.” My definition is simply this….when my monthly cash flow from my assets is equal to or greater than my monthly living expenses, then I am financially independent. The importance of this definition is CONTROL. I buy my assets, manage my assets and control the cash flow these assets create. Rather than letting money control me, I control the assets w...

I wonder how Kiyosaki feel or think when he see this:

If your car is broken, you take it to a trained mechanic to fix. The moment you pick up the car, you know whether or not the mechanic was good.The problem with these so-called professional financial advisors / long term investment package is that you will not know if they gave you good advice or bad advice until years later. What happens if you begin taking a financial advisor's advice at 25 and at age 65 you find out your financial advisor was giving you bad advice? You can't take your ruined financial life back to the financial advisor like you can take your broken car back to the mechanic. I trust auto mechanics and used car salesmen more than I do most financial advisors simply because I can see the results of their work faster. The reason most people end up poor or middle-class is because they spend more time selecting a used car than they spend time looking for good financial advice.

The first step is to decide what kind of world you want to live in. Do you want to live in the world of the poor, the middle class, or the rich? Wouldn't most people choose to live in the world of the rich? No. Most people dream of living in the world of the rich ... but they do not take that first step and that is to decide. Once you decide, and if you have truly decided, there is no coming back. The moment you decide, everything in your world will change. ~ Retire Young Retire Rich, Robert Kiyosaki Ultimately it is what you do with what you know that counts. What a person must do to become rich is not that hard. In fact, getting rich is easy. The problem is most people would rather do things the hard way.Many will work hard all their lives living below their means; invest in things they do not understand; work hard for the rich rather than work hard to make themselves rich; and do what everyone else is doing rather than do what the rich are doing. We are moving into an era of unp...

Finding your own freedom is easy. All you have to do is first look and see what God wants done, and then do what God wants done with the gifts that God has given you. If you will faithfully do that, the abundance of God will pour into your life. Life is not about earning a living. Just look at the birds, the plants and all of nature's creations around you. Birds don't earn a living. Birds and God's other creatures simply do what they were sent here to do. If you will simply trust in God and do what you were sent here to do, God's abundance will be with you forever. You don't have to do the bird's job, the bird's already doing it. He said that because he saw too many humans competing for jobs rather than looking to see what needs to be done . If you will look to see what needs to be done, and do what needs to be done, you will tap into God's abundance. Many people are financial prisoners of their fears. That is why they cling to threads of security, becom...

Grown, highly paid executives of major corporations know how to spend a lot of money, but not really know how to make a lot of money on their own. There are big differences between entrepreneurs and bureaucrats. Most people are bureaucrats because our schools train people to become bureaucrats. An entrepreneur must know how to be both. Many bureaucrats dream of becoming entrepreneurs, but most never will. A bureaucrat only knows how to make money if it is given to him. An entrepreneur can make money out of nothing. In the mind-set of the entrepreneur behind the business.

"Buy assets that generate cashflow - NOW, not sometime in the future!" put money away until you need it sometime in the future is a saver's mentality.Generating cash flow from assets NOW. Review your financial statement and remove all entries in your asset column that do not generate cash flow for you currently. Assets put money in your pocket, liabilities take money from your pocket. When you have assets that generate enough monthly cash flow to cover your monthly expenses, you are financially free! BUY ASSETS!~ Sharon Lechter

Investing for the long term does not mean parking your money, leaving it in one big pile, thinking you're diversified when in reality all of your investments are in one vehicle, a vehicle such as mutual funds, and then hoping that the wind does not blow or a fire does not break out. Investing to us means being in the market (properties, businesses, paper assets) every day of our lives, gathering more information, gaining more and more real-life experience, and keeping our money moving, over the fire. We do not buy, hold, and pray, which is what long-term means to millions of people. One of the most important things a real investor needs to say is, " I want my money back. I also want to keep my investment. " If you can understand this principle of investing, you will understand what the velocity of money means. It means you want your money back as quickly as possible so it can be reinvested to acquire other assets.

How fast is your money? Your money should be like a good bird dog. It helps you find a bird, catch the bird, and then goes out and gets you another bird. Most people's money acts like the bird that just flies away. Today, many financial planners and mutual fund managers say to the average investor, "Just give us your money, and we'll put your money to work for you." Most investors nod and repeat the mantra, "Invest for the long term, buy and hold, and diversify." Their money gets parked and they go back to work. For most investors, these are pretty good ideas, given that most investors have no interest in learning how to put their money to work, since they seem to prefer working harder than their money. The trouble with these plans of average investors is that they are not necessarily productive investment strategies, nor are they necessarily safer. For many people, they may not have enough time to rebuild their retirement fund if it is wiped out late in the...

People who need a paycheck are slaves to money. If you want to be set free, you must never need a paycheck or a job. "If you are so well educated and so experienced, why do you need a job? If you're so smart, why do you need a paycheck?" he was asking him to stretch his reality and see another reality. It was his way of actually trying to help the applicant. It was his way of trying to teach the applicant a very important and basic financial lesson, the lesson that money will not make you rich ... that a high-paying job alone will not solve a person's financial needs . A high academic IQ does not necessarily mean you have a high financial IQ. "How can I get rich without a paycheck or steady job?" Hot Tip #1 Begin to see yourself in a world or reality where you will never ever need a paycheck or job again. It does not mean you will never work again, it simply means that you will stop being so financially needy or even desperate, selling your precious life fo...

People get older, but they do not necessarily grow up. Many people run from mom and dad's shelter to the shelter of a company or the government. Many expect someone else to take care of them, or be responsible for their lack of wisdom and common sense. That is why they seek job security or government sanctuaries. Too many people spend their lives looking for guarantees and spend all their lives avoiding risk, avoiding growing up, and always looking for surrogate parent to take care of them. Leave the government safety nets and social program for those that really need them! Growing up means being willing to be more and more responsible for yourself, your actions, your continuing education, and your maturity. If you want to have a rich and secure financial future, it is imperative to know that markets go up and markets go down and no one is there to protect you. I am afraid that in less than twenty years it will be obvious that the Industrial Age is dead and gone. We will know this ...

Who gets paid first and who gets paid the most diagram: 5. Business Owner 4. Investors 3. Specialists (accountants, employees, consultants) 2. Employees 1. Assets (business or other investment) A business owner must pay the asset first. That means continually reinvesting enough money and resources in order to keep the asset strong and growing . The reason the business owner gets paid last is because he or she starts a business in order to be paid the most. But in order to get paid the most, the business owner must make sure that the rest of the business is paid first. That is why I am training you to not work for money. You are learning to delay gratification and work to build assets that grow in value. I want you to learn to build assets, not working for money. The business owner or entrepreneur gets the big bucks at the end of the day because he or she must be the most generous at the start of the day. The business owner takes the most risks, and also gets paid last. If they have don...

"Your financial statement is your report card once you leave school." In school, we received report cards at least once a quarter. Even if you had bad grades, the report card gave you and your parents the opportunity to know what you were good at and weak at... and then gave you the opportunity to make corrections. In real life, people without financial statements, or report cards, cannot make corrections if they do not know where they are that month, quarter, or year. Think of your financial statement as your report card and work diligently to have your financial report card be measured in millions or maybe billions of dollars. Repetition is how we learn, and by repeatedly going over your monthly numbers, not only do you establish a good habit, you gain more insights into your spending patterns, you can make corrections earlier, and you ultimately take control over your financial life. Many people pay higher than necessary interest rates simply because they have poor financi...

Generosity falls under the age-old law, the Law of Reciprocity. It is the law that states "Give and you shall receive." It is not a law that states, "Receive... and then you give." It is a law that has survived the test of time and it will survive the test of the future. Today, more than ever before, it is very important to want to look after yourself and your loved ones ... but if you want ot be rich, you must first think about serving the needs of as many people as you can... first. It's the law. "If you want a smile, be the first to give a smile. If you want love, be the first to give love. If you want to be understood, then be the one to be understanding... If you want a punch in the mouth, be the first to give someone else a punch in the mouth." " God does not need to receive, but humans need to give. " " Many people say they are generous with their time because they do not have money. People who are generous with their time have lo...

If you want to see how the world will be in ten years, just watch a fifteen-year-old boy or girl. Observe the world from their eyes and you will see the future. (The lesson of, if you want to see the future, you need to see it through younger eyes.) "If you can let go of your vision of the world and actually see the world from a younger person's point of view, you will see a much bigger world, a world filled with tremendous change and an abundance of opportunities yet to come. There are business and investment opportunities coming that will create bigger fortunes than the automobile did for Henry Ford, oil did for John D.Rockefeller, computers did for Bill Gates, and the Internet did for the young founders of Yahoo,AOL, Netscape and Google." If you are not rich today because you missed the last boat leaving the dock, do not worry, another boat to the land of riches and opportunity is getting ready to sail. The question is, will you be on it? History Repeats Itself

Many cannot imagine a financially free future with more than $100,000 or more a year coming in without working. The reason many people cannot imagine having that much money is because they do not have it in their reality. Many people may dream of such dollar amounts and may say that "someday" they will make that much ... but in reality, most people are just dreaming. The statistics verify this reality. "Your future is created by what you do today, not tomorrow." "Is what I am doing today going to get me to the financial goal I want tomorrow?" The reason Kim and I did not take jobs, even though we were strapped for cash, was because we had no plans on being employees in the future. Instead we spent our time in seminars learning either how to build a business or invest in real estate. Even though we had no money, each and every day we practiced building better businesses and investing in real estate. We were doing today what we planned on doing in the future...