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音の魂

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有關我的人生經驗,分享給各位玩家

音の魂はなくなりません

Taiwan 

身為長子,今年22歲 ,當我進入我的公司時我學到了很多。

老闆很照顧我,我很謝謝他,但好景不常,88水災讓我們的寶來山妍Villa毀了一半,那時候我們坐直升機 才離開難區,

我很是要謝謝我的老闆和老闆娘,沒有他們我們可能還得多困幾天。
回到高雄後,接受家人的懷抱是讓我一生最快樂的一件事!
我很高興回到家,希望能再打出自己的一片天!。


以下是我在理財上的認知:

1.理財的習慣:

說實在的,有很多人其實還是不知道依些基本的理財方式,
所以在台灣來講,貧富差距真的蠻大的,中產階級反而少得可憐,因為很多人只知道「要工作賺錢,存錢養老,這些就夠了!」,很多父母大概都會這樣跟你說吧!,很多人也許都不知道自己活在老鼠賽跑的狀態之下,老鼠賽跑就是你在一個圓圈裡面跑,跑了半天卻不知道怎麼跳出這個圈子的意思(就像老鼠籠子裡面有個讓牠跑動的滾輪圈圈),
我把這個意思讓她在你的人生套用下去然號完全簡單化意思以後就是!「你為錢工作!」,很多人都為錢工作,錢是生活的必需品之一,但是很多人一輩子都在為錢工作,每天起床都得為自己的貸款、房租(以上例子是負債)、食衣住行娛樂(以上例子是支出)所煩惱,看看你的父母也許你大概就知道了!,只有極少部分的父母會教你怎麼理財。
而且你上學重國小到大學或是碩世博士畢業,我相信極大部分的老師會教你你才的,因為學校沒有理財這堂課!,台灣科目重要的也只是 國 英 數 這三個能做到的不就是讓你能夠生活或是找個好工作嗎?(讀好書! 找個有保障或是薪水高的工作,養活自己跟家人)最後還是沒提到你該怎麼開源節流.....

想要脫離這個老鼠賽跑方式就是得讓這個公式反過來,「讓錢為你工作!」,去(適當的)投資,買地,買基金,「買資產」,當然能夠讓你賺錢的資產是最好的,很多人說亂花錢是無謂的,的確!如果你把錢花在負債,當然是無謂的!,試著去把錢花在資產上面,哪些東西是資產? (自己去查!)
對了!開店也是類似一種讓錢為你工作的方式。

2.家!不代表是資產:

我永遠不會把自己買到的第一個房子(自己的家!)當成是資產或是最好的投資,我把它當作是負載,因為買房子要房貸,就算你買到房子未必地價會升,而且有了房子就有支出,第一個家=自己所投資的房子=有了部分支出,有了房子有了家未必是最好的投資!,所以我會把它當作負債讓我知道我的「底」在哪!。

3.有個帳本讓自己養成隨時記錄收入支出的習慣,你會發現你一天花掉多少龐大的數字。

以上只是毛皮而已,如果要看攻略書,去買本富爸爸吧!


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K.T.//馬鹿野郎 posted on November 13, 2009 @ 7:06pm
草泥馬
 
音の魂 posted on November 12, 2009 @ 11:20pm
!!!!!!!@@
 
D.C. 烏拉毛 posted on October 24, 2009 @ 6:45am
親愛的香草水同學~你被審核通過"去除隊籍",原因是:上限時數過少
由於無法與你連絡,先把你革除群組,你發現後再自行拿掉D.C.謝謝
 
音の魂 posted on October 04, 2009 @ 1:11am
^^
 
嘯日猋 posted on June 25, 2009 @ 3:17am
寫的好棒ㄛ
 
Nacho!! Feuer Frei posted on June 13, 2009 @ 4:13am
我看過最讚的自介文了


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The Teamwork Movement - Public
136,432 Members  |  6,241 In-Game  |  24,136 Online  |  2 In Group Chat

The Teamwork Movement (TWM) aims to bring teamwork oriented players together for the best gaming experience possible.

The Teamwork Movement (TWM) is not a clan, it's an open group of players that anyone can join, as long as they're interested in utilizing teamwork while gaming. TWM participants are encouraged, but not required, to add <TWM> to the end of their name and play on TWM endorsed servers. By adding TWM to the end of your name you're easily recognizable by other TWM participants, so they can engage in teamwork with you; and by playing on TWM endorsed servers you are much more likely to encounter other TWM participants, and have the best gaming experience as a result.

While we encourage TWM members to engage in teamwork regardless of what server they play on, we maintain a list of recommended servers which TWM players frequent. By playing on TWM endorsed servers you are much more likely to play with other TWM participants, resulting in the best gaming experience possible. All TWM endorsed servers go through a rigorous approval process that ensures they are lag-free, popular and well administered. You can find the most up to date list of TWM endorsed servers at the following link:

http://www.theTWM.com/

In addition to the endorsed server list we regularly use the Steam event system to send out notifications of TWM events. Several times throughout the day we'll issue an event alert with a TWM endorsed server's IP, by joining in on those games you get to join a server filled entirely with TWM players -- you'll experience teamwork like you've never experienced before.

So, to recap, all you need to do is (all of these are optional):
- Add <TWM> to the end of your name.
- Play on TWM endorsed servers so you can easily find other teamwork oriented players. The IP for TWM endorsed servers can be found at the "TWM Endorsed Server List" link below.
- Engage in teamwork whenever possible!

Frag on!

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