rich dad poor dad 穷爸爸富爸爸精编版
Rich dad and Poor dad
My note of RICH DAD AND POOR DADBY李苏秦园林0901 2009305200910At first I thought the book would be a story book, but it turn out to be a book about success. This book give us a lot of inspiration and suggestion for our the management of money, life, career. The author give us an idea that the poor and the middle class work for money, the rich have money work for them."His compared his two farther together, which has absolutely different attitude toward money. One wanted him to study hard, earn a degree and get a good job to work for money. He wanted me to study to become a professional, an attorney or an accountant or to go to business school for my MBA, to continue his career or life pattern ;The other encouraged me to study to be rich, to understand how money works and to learn how to have it work for me.The author finely accept the rich dad ’s way. "I don't work for money!" were words he would repeat over and over, "Money works for me!”. And founded his own company and bought his Porsche.His point out the short comes of education which is also apply to China: our financial genius lies asleep, waiting to be called upon. It lies asleep because our culture has educated us into believing that the love of money is the root of all evil. It has encouraged us to learn a profession so we can work for money, but failed to teach us how to have money work for us. It taught us not to worry about our financial future; our company or the government would take care of us when our working days are over. However, it is our children, educated in the same school system, who will end up paying for it. The message is still to work hard, earn money and spend it, and when we run short, we can always borrow more. This is especially hard in China, because of the traditional ideas that being a businessman is a bad thing.The author not only the explained the difference but also introduced a lot of methods or his way to be rich.Some principles like follows:The three most important management skills necessary to start own business are:1.Management of cash flow.2. Management of people.3. Management of personal time.Also he offered some to dosI offer you the following ten steps as a process to develop your develop their financial genius. Powers only you have control over.1.I NEED A REASON GREA TER THAN REALITY: The power of spirit.2. I CHOOSE DAILY: The power of choice. That is the main reason people want to live in a free country. We want the power to choose.3. CHOOSE FRIENDS CAREFULLY: The power of association.4. MASTER A FORMULA AND THEN LEARN A NEW ONE: The power of learning quickly. And so on. This to-dos are useful and can be taken action to reality.In my eyes, the author provide a way to be success or rich not only in wealthy, but in life. I deeply inspired by his opinion that being the master of money but not being a slave to it, and some of the suggestions is rather worth to have a try.最重要的管理技能，使他们开始自己的业务有：1。
富爸爸,穷爸爸
想想看？ 大部份的人都將房子、車子視為自己的資產，然而，卻 因此長年被房貸、車貸（包含每年要繳納的房屋稅、汽車 燃料稅）壓的喘不過氣來，而得終生不斷辛勤的工作來償 還負債，試問：如此看來，房子、車子到底是屬於個人資 產的一部份、亦或是負債的一部份呢？
如此看來懂得財務知識是否重要呢？ 在此我們不探討繁雜的會計科目，但以簡單的 KISS 原則及現 金流向圖，來讓大家來了解資產與負債的定義！
序
「之所以世界上絕大多數的人為了財富奮鬥終 生而不可得，其主要原因在於雖然他們都曾在各 種學校中學習多年，卻從未真正學習到關於金錢 的知識。其結果就是他們只知道為了錢而拚命工 作……卻從不去思索如何讓錢為他們工作……」
章節內容
第一課：富人不為錢工作 第二課：為什麼要教授財務知識 第三課：關注自己的事業 第四課：稅收的歷史和公司的力量 第五課：富人的投資 第六課：不要為金錢而工作
End ~ 謝謝各位 ~
公司的力量
1.稅收優惠。 公司可以做許多個人無法做的事，像稅前的費用開支。一個企業掙錢， 花掉它的錢，而只對剩下來的東西繳稅。 EX：若擁有自己的公司，夏威夷的董事會就是你的假期，買車以 及隨之而來的車的保險和修理費也特是企業支出，健身俱樂部會員費會是 企業支出，大部分的餐費更是企業的支出，而且它們都在稅前被合法支付。 2.在訴訟中獲得保護。 我們生活在一個愛打官司的社會中。 富人用公司和信托來隱藏部分財富，當一些人起訴富人時，他們經常 遇到法律對富人的保護，並發現這富人其實一無所有。
「KISS」原則，即「傻瓜財務原則」（Keep It Simple Stupid ）。學習利用能把錢放進你口袋裡的東西。 ．負債是把錢從你口袋裡取走的東西。 資 產
收入
《穷爸爸,富爸爸》
eading读 书R《穷爸爸，富爸爸》"Poor Dad, Rich Dad"文/杨 子Reading读 书57房子到底属于资产还是负债，取决于人们如何使用它。
如果是上一辈子的人为这一辈子的人攒钱买房，这一辈子的人又为下一辈子的人攒钱买房，岂不是陷入了“子又生孙，孙又生子，子子孙孙无穷尽也”的恶性循环吗？再加上买房后随之而来的装修、水电、物业等各类费用，人们拼命赚下的钱流入了开发商和资本家的口袋中。
反之，如果情况是将购置的房子用来出租，把产生的收益用在其他途径，这样一来便可以把“现金流”盘活，扩大自身收益，产生更大的价值。
对于一件事物的两种不同观念会导致两种不同的结果，有的人一生都在为了房子奔波，与此同时却有人已经把手中的资源利用起来使其为自己工作了。
富人关心的焦点一直在长久的资产上，而穷人可能仅局限于短期的收入，做一个“长期主义者”有时会更有利于资产的积累。
莎士比亚说，最好的好人，都是犯过错误的过来人；一个人往往因为有一点小小的缺点，将来会变得更好。
同样，犯错误是一件好事，能够承认错误，在每一次的失败中吸取教训、总结经验并在错误中成长，那么即使是错误，也可以是无价之宝。
书中的富爸爸讲到：生活才是最好的老师，大多数时候，生活不会和你说什么，它只是推着你转，每一次推，它都像是在说：“喂，醒一醒，我要让你学点东西。
”生活正是有许多人缺乏犯错的勇气，导致了安分守己地选择了需要通过拼命工作才能维持自身生活、养家糊口的工作。
因为害怕和恐惧，人们只能选择“起床—上班—付账”的生活模式；因为害怕和恐惧人们错过了生活赐予的每一个机会；因为害怕和恐惧人们躲避着本可以克服无知的知识。
其实在生活中，每一次感觉到被生活“推着”向前时，都是一次机遇，一次挑战，抓住机遇，迎接挑战，若不克服软弱的心理，最终便只能自甘堕落地慢慢变老，在贫穷和胆怯中死去。
害怕和自我怀疑往往是毁掉人们才能和本领的因素，陈旧和消极的思想其实才是人们最大的“负债”，也许越早地试错，人们便可以越早地踏入正轨。
FIL_Rich Dad Poor Dad
RICH DAD POORDADINTERPRETATIONBY MONIL NISARThe world around us has changed, but the education system remains the same.There is a difference between being poor and being broke. Broke is temporary but being poor is eternal.Most people never win because they are afraid losing.Lesson#1: The rich don’t work for money! Realize that you are the problem and change yourself accordingly.Every human being has a weak and a needy part that can be bought.The rich don’t work for money coz their money works for them.Humans are driven by two emotions, fear and greed.If money is in the control of your emotions it will end up controlling your souls.The avoidance of money is just psychotic as being attached to money.Don’t work for money until all traces of fear and greed are gone.Just be an observer, not a reactor, to your emotions.We do not learn from history. We only memorize historical dates and names, not the lesson.Learn to use your emotions to think, not think with your emotions.A job is only a short A job is only a short--term solution to a long term problem. Most people never see the opportunities because they are looking for money and security.literacy Lesson#2: Learn financial literacy Lesson#2: Learn financialMoney without financial intelligence is money soon gone.Most people fail to realize that in life its not how much you make, its how much money you keep. If you want to be rich, you need to be financially literate.Learn to see the difference between between an asset and a liability.The rich buy assets and the poor buy liabilities.If you want to be rich, you have got to read and understand numbers.If you have dug yourself into a hole…..stop digging.He who has the gold makes the rules.Get out of the RAT RACE.3SIMPLE RULES TO REMEMBER.1: THE RICH BUY ASSETS2: THE POOR HAVE ONLY EXPENSES. 3:THE MIDDLE CLASS BUY LIABILITIES THEY THINK ARE ASSETS.LESSON#3: MIND YOUR OWNBUSINESSIf you want to be financially secure you have to mind your own business.If you don’t love anything you wont take care of anything so it is necessary to do what you love. Rich people buy luxury last, while the poor and the middle class buy luxury first.INWHERE TO INVEST INWHERE TO INVESTBUSINESS THAT DO NOT REQUIRE YOUR PRESENCE.STOCKS.BONDS.MUTUAL FUNDS.INCOME GENERATING REAL ESTATE. ROYALTIES.ARTCOMPONENTS OF FINANCIALIQACCOUNTING.INVESTING.UNDERSTANDING MARKETS.LAWLESSON#4: CORPORATIONSANDAND TAXESTAXESPEOPLE WHO OWN CORPORATIONS. PEOPLE WHO WORK FOR CORPORATIONS.1: EARN.2: SPEND.3: PAY TAXES.1: EARN.2: PAY TAXES. 3: SPEND.A CORPORATION IS TAXED LESS THAN AN INDIVIDUAL.IF YOU ARE SMART YOU WONT BE PUSHED AROUND AS MUCH.INVESTLESSON#5: THE RICH INVESTLESSON#5: THE RICHMONEYOFTEN IN REAL WORLD, ITS NOT THE SMART THAT GET AHEAD BUT THE BOLD.THE RICH HAVE A GOOD CIRCULATION OF MONEY AROUND THEIR INVESTMENTS.THE SINGLE MOST POWERFUL ASSET WE ALL HAVE IS OUR MIND. IF IT TRAINED WELL IT CAN CREATE AN ENORMOUS WEALTH.THE RICH MAKE THE MONEY WORK FOR THEM.“I MAKE MORE MONEY WHILE I AM SLEEPING”--WARREN BUFFET. SLEEPING”COMMON SENSE IS MOST UNCOMMON. WINNERS ARE NOT AFRAID OF LOSING. BUT LOSERS ARE.FAILURE IS PART OF THE PROCESS OF SUCCESS. PEOPLE WHO AVOID FAILURE ALSO AVOID SUCCESS.LESSON#6: WORK TO LEARN,WORK FOR MONEYMONEYDON’T WORK FORDON’TIT IS WHAT YOU KNOW THAT IS YOUR GREATEST WEALTH. IT IS WHAT YOU DO NOT KNOW THAT IS YOUR GREATEST RISK.THERE IS ALWAYS RISK, SO LEARN TO MANAGE RISK.YOU ATRE ONLY ONE SKILL AWAY FROM WEALTH.JOB--JUST OVER BROKE.JOBGIVE AND YOU SHALL RECEIVE.YOUNG PEOPLE SHOULD SEEK WORK FOR WHAT THEY WILL LEARN, MORE THAN WHAT THEY WILL EARN.YOU CANT TEACH AN OLD DOG NEW TRICKS. UNLESS A PERSON IS USED TO CHANGING ITS HARD TO CHANGE.FORMAL EDUCATION CREATES A LIVING BUT SELF EDUCATION CREATES A FORTUNE.SO GET UP AND START EDUCATING YOURSELF.30 Years later it wont matter what car you drove in or what clothes you wore, what will matter is what you learnt and how you put it to use.THANK YOUMONIL NISAR。
穷爸爸富爸爸精简版
穷爸爸富爸爸精简版1.终于把《穷爸爸富爸爸》这本书给看完了，应该说这本书在以前时候就已经看过了一些，记得没错的话，那个时候自己被书中的现金流表给吸引了，但其他的一些观点倒没能让自己有足够的认识。
5年后的今天，再拿起这本书，让我震动的不是里面的现金流表而是下面的一些观点：穷人为钱而工作;富人让钱为自己工作。
为了财务安全，人们需要关注自己的事业。
自己的事业围绕着的是自己的资产，而不是你的收入。
没有基本的财务知识，分不清自己的资产和负债。
一美元落进了自己的资产项它就成为你的雇员。
记住：做个努力工作的雇员。
确保你的工作，但不能忘记构筑自己的资产项。
大多数人只希望在毕业后能够找到一份稳定的工作，稳妥的挣钱。
他们很少有挣钱的***，然而却一直处于没钱的恐惧之中。
财富就是支持一个人生活多长时间的能力，或者说如果我今天停止工作，我还能活多久?雇员挣钱、纳税，并靠剩下来的东西为生;—个企业挣钱，花掉它的钱，而只对剩下来的东西缴税、这是富人钻的最大的法律空子。
其实书中对受过教育有专业特长的中产阶级和穷人的一辈子生活的描述，自己的印象是及其深刻的。
大多数人通过打工挣钱和银行贷款来满足自己的消费欲望，然后再通过努力工作来消除自己的帐单和生存恐惧，终其一身一直在为公司、银行、政府打工。
自己也有26了，说不上自己挣过多少钱，但高中毕业后6年来自己的收入，可支配的资金绝对不会低于5000，但是自己是怎样处理的呢?全部通过消费性的支出把原本可以转变为资产的资金给溜走了。
让他们为自己工作了吗?哪怕是一元钱!或许这原本就是一个人的生活，一个受过高等教育有专业背景的中产阶级，一个穷人的生活。
宝贝也是这样，都带课1年多了，不知道她的账户上还有没有剩余的资金，即使有，恐怕也不多了!记得在过年的时候，她说起想在网上做生意，自己又何尝没想过啊!只是没有付之行动!我们又回到了穷人的花钱方式，生活方式。
将来的生活何去何从?是为钱工作?还是让钱为自己工作?在我看来得尽量缩短为钱工作的时间!2.元旦假期，静下心来读一本书，真是幸福!开题的故事，两个爸爸，他们都很努力，经济状况也相仿，只是思想截然相反。
富爸爸穷爸爸英语作文
Rich Dad, Poor Dad: Lessons in FinancialLiteracyIn the classic work of personal finance, "Rich Dad, Poor Dad," Robert Kiyosaki shares his profound insights on the differences between the financial habits and mindsets of his two fathers: one wealthy and the other not. The book serves as a wakeup call for those who have been blindly following the traditional path of education, jobs, and retirement, often without understanding the true value of money and financial independence.Kiyosaki's "rich dad" represented the mindset of an entrepreneur and investor, who emphasized financial education, risk-taking, and the importance of understanding assets and liabilities. On the other hand, his "poor dad,"a highly educated government employee, subscribed to the belief that a stable job and savings were the keys to financial security. The contrast between these two approaches provides valuable lessons for anyone seeking to improve their financial literacy.One of the most profound lessons in the book is the understanding of assets and liabilities. Kiyosaki definesan asset as anything that puts money in your pocket, whilea liability is anything that takes money out of your pocket. This simple yet powerful distinction challenges the conventional wisdom of many people, who often mistake their houses and cars for assets, while in reality, they are liabilities due to the ongoing expenses associated with them.Another key lesson is the importance of financial education. Kiyosaki argues that the lack of financial education in schools is a major contributor to thefinancial struggles of many individuals. He believes that financial literacy should be a core component of education, as it is crucial for making informed decisions about money, investing, and building wealth.Moreover, the book emphasizes the need to takecalculated risks in pursuit of financial freedom.Kiyosaki's rich dad taught him that fear of failure often prevents people from taking the necessary steps to achieve their financial goals. Instead, he advocated for a mindsetof calculated risk-taking, where one evaluates thepotential rewards and risks before making a decision.Finally, the book underscores the importance of havinga long-term perspective when it comes to financial planning. Kiyosaki's rich dad emphasized the need to invest in assets that generate passive income, such as real estate or businesses, rather than relying solely on active incomefrom a job. This approach allows for financial security and freedom even in the face of unforeseen events or changes in the job market.In conclusion, "Rich Dad, Poor Dad" is a must-read for anyone interested in improving their financial literacy and achieving financial freedom. It challenges traditional beliefs about money and success, offering practical advice and insights that can help individuals take control oftheir financial lives and create a more secure future for themselves and their families.**富爸爸，穷爸爸：财商教育之课**罗伯特·清崎在经典的个人理财著作《富爸爸，穷爸爸》中，分享了他对两位父亲——一位富有，另一位并不富有——的财务习惯和思维方式的深刻见解。
穷爸爸富爸爸中英文对照版
穷爸爸富爸爸中英文对照版
【最新版】
目录
1.穷爸爸和富爸爸的定义
2.穷爸爸和富爸爸的观念差异
3.穷爸爸和富爸爸的教育方式
4.穷爸爸和富爸爸的财富观念
5.穷爸爸和富爸爸对子女的影响
正文
《穷爸爸富爸爸》是一本财商教育的经典之作，书中通过穷爸爸和富爸爸的对比，揭示了财富观念的差异以及教育方式的不同。
穷爸爸和富爸爸的定义并不仅仅是经济状况的差异，更重要的是财富观念和教育方式的差异。
穷爸爸通常是那些为了生活而努力工作的人，他们认为通过努力工作可以获得稳定的收入，而富爸爸则是那些懂得投资和理财的人，他们通过让钱为自己工作来获得财富。
穷爸爸和富爸爸的观念差异主要体现在对财富的认知上。
穷爸爸认为财富是积累而来的，而富爸爸则认为财富是创造出来的。
穷爸爸追求稳定，害怕风险，因此他们的财富增长缓慢；而富爸爸则敢于冒险，他们通过投资和创业来获取财富。
在教育方式上，穷爸爸和富爸爸也有很大的不同。
穷爸爸通常会告诉子女要努力学习，找个好工作，而富爸爸则会教育子女如何创业，如何投资，让他们学会财务管理，从而实现财务自由。
穷爸爸和富爸爸的财富观念也影响了他们对子女的财富观念。
穷爸爸认为财富是靠节省和储蓄积累的，而富爸爸则认为财富是通过投资和创业创造的。
因此，穷爸爸的子女可能会过于节俭，而富爸爸的子女则更有可
能成为创业者。
富爸爸穷爸爸英文版第一章
Money is not taught in schools. Schools focus on scholastic and professional skills, but not on financial skills. This explains how smart bankers, doctors and accountants who earned excellent grades in school may still struggle financially all of their lives. Our staggering national debt is due in large part to highly educated politicians and government officials making financial decisions with little or no training on the subject of money.
If I had had only one dad, I would have had to accept or reject his advice. Having two dads advising me offered me the choice of contrasting points of view; one of a rich man and one of a poor man. Instead of simply accepting or rejecting one or the other, I found myself thinking more, comparing and then choosing for myself.
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会各种投资，不要妄图通过单纯的加薪来增加收
入，要注重个人财富的保值增值，实现财务自由
的最大化。”
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Act as a boss 老板心态
"Today, the most dangerous advice you can give a child is `Go to school, get good grades and look for a safe secure job,' " “今天,一个人能够给孩子最危险的告诫就是"上学,争高分,找一 份安全稳定的工作. "”
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Financial Freedom
财务自由
Financial Freedom：Passive Income>Expense
财务自由：被动收入>花销
Passive Income is also called unearned income，but is not working income
‘The rich is the property of buying out and the poor is only of paying out.’
穷人购买负债 富人购买资产
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Asset 资产
Liability 负债
KISS(keep it simple stupid)，即傻瓜财务原则。 通过这个原则我们可以轻松地判别出资产与负债，并去购买资产 < previous
Act as a boss 老板心态
《Rich Dad,Poor Dad》
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Author
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Robert T.Kiyosaki: Born and raised in Hawaii,Robert is fourth-generation Japanese american.He set up a company and began his own business in 1977,finally became a millionaire in 1985. Kiyosaki is the author of the Rich Dad series of books,an investor,entrepreneur and educator. His perspectives in Rich Dad,Poor Dad have changed the way people think about money and investing.
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Asset 资产
Liability 负债
KISS(keep it simple stupid)，即傻瓜财务原则
通过这个原则我们可以轻松地判别出资产与负债，并去购买资产。
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Asset 资产
Liability 负债
‘The poor work for money,and the rich make money work for them.’
Base on his childhood experiences,this book showed totally different opinion on money and wealth between his two dads.Finally,he came to the conclusion,if you want to be a rich man,you must achieve your own financial freedom.
Kiyosaki followed his poor dad study hard in order to hunt a good job until 1977, the poor dad was laid off and bothered by the money all the time,meanwhile,the other one became the richest man in Hawaii. At last, Kiyosaki determined to follow the rich dad’s step and start his own business.
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Brief introduction of story:
Kiyosaki wrote this book by narrating a story based on his real childhood experiences.Kiyosaki has two dads who have a big difference in education.Poor dad ,the one who was his biological father,was a government official,highly educated and intelligent.On the contrary ,rich dad,his father’s childhood friend, never finished the eighth grade in school but he devoted himself to investment.
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Asset 资产
Liability 负债
“我们的周围也有许多穷人跟富人，穷人为钱
而工作，他们起早贪黑，放弃休假，银行账户上
不断增大的数字是他们唯一的安慰，他们一生都
在为金钱为困惑，为生活奔波。而富人往往工作
轻松，给人一种坐享其成的感觉。这是为什么
呢？实现了财务自由。不当金钱的奴隶，就要学
The child may graduate with excellent grades but with a poor person's financial programming and mind-set.孩子可能以优秀 的成绩毕业，但是只具有穷人的理财程式和心态。
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