2016年4月10日 星期日

2016 ~ 2020 擴大東南亞布局,將是台灣、韓國、日本、中國主要趨勢 ( Expanding to South Asia will be the main trend for Taiwan、Korea、Japan、China )

羅智先:統一擴大東南亞布局 和兩岸市場鼎足而立

統一企業於1967 年8 月25日創立於台南永康,主要業務為食品相關
之製造加工及銷售。統一除投入於食品製造本業以外,
同時也不斷拓展新的事業。目前國內外轉投資相關企業
已經達到兩百多家以上。經營項目包刮括多項民生
消費相關的商品與服務,成為一個多角化經營的企業。
加上國際化的策略,統一企業持續與國際知名企業
共同投資合作,吸收了國際化經營的觀念和技術
,將統一集團推向世界舞台。
統一企業董事長羅智先指出,統一要擴大在東南亞市場布局,將與兩岸鼎足而三。

統一(1216-TW)董事長羅智先今天在法說會中表示,統一企業集團將加大對於東南亞市場的投資力道,在對於此一6億人口且平均年齡不大的市場的積極投入之下,期望未來東南亞市場將成為統一企業在台灣、中國大陸營運之外,另一鼎足而三的營運區域。

統一企業及統一實業(9907-TW)及統一中控(0220-HK)今天在台北舉辦聯合法人說明會,並由統一企業董事長羅智先、統一中控總經理侯榮隆等人出席,這也是羅智先在統一榮譽董事長高清愿4月1日舉辦告別式之後首度等公開露面。

對於法人詢問統一的東南亞市場布局腳步時,羅智先也看好在對於此一6億人口且平均年齡不大的市場發展前景,同時,羅智先並指出,除了菲律賓之外,目前統一企業在東南亞的印尼、越南、馬來西亞、緬甸等地均以製造業為主,而菲律賓則因統一超商(2912-TW)在菲國投資經營,也使菲律賓成為統一企業集團在東南亞地區經營的一個特殊具有通路服務業及製造業經營的一個特區,且已發展出2000家的超商據點經營中。
統一集團擁有不少知名國際品牌的經營權
如7-11、星巴克、無印良品、Mister Donut、Cold stone

羅智先強調,統一企業過去在台灣培養出統一超商的經營規模下,統一企業已熟悉當超商發展到2000家規模時,其製造業端要如何配合,而超商發展到3000家規模時,其製造業端更要有如何的布局及配合。

但羅智先也指出,在統一過去以來投資東南亞市場的經驗發現,目前在東南亞投資所遭遇人才資源為一大問題,包括人員的CP值不高,且穩定度也不足,這些都是待克服的問題。

而在中國大陸市場的營運來看,羅智先強調,統一企業在中國大陸市場在2015年走回到正常的獲利經營,而目前統一企業在中國大陸的經營對於商品的開發以「Y+3」的的模式經營,即本身要完成開發在未來3年要推出的商品,並選擇以合適的時間推出合適的商品。

統一中控估2016年的資本為20億元人民幣,羅智先表示,未來統一企業在中國大陸的資本投資模式將出現大幅度的更張,將不會是在各地區複製一座又一座的生產工廠,未來也將是以配合新產品內容的開發,進一步投資新一代的包材。

在台灣市場部分,羅智先強調,在台灣將著重鮮食、冷藏及烘焙的發展,同時,未來在台灣的市場,由於市場消費型態的改變的健康的訴求下,烘焙產業將會是一個「精彩」的產業發展局勢。

光寶科設新加坡生技研發中心,瞄準遠距照護

光寶科技(2301)生技醫療事業部於3/2宣布在新加坡成立首座海外生技研發中心,針對急診與遠距照護市場,整合光寶集團產品設計與量產能力,積極發展定點照護產品。研發中心預計於2016年底增聘40位高階研發人員。

光寶集團自2011年成立「生技醫療事業部」,以自有品牌skyla「天亮」提供體外診斷的臨床化學分析儀,進軍全球生技醫療市場。這次在新加坡設立的研發中心,將結合當地先期臨床驗證經驗、生技醫療研發人才聚落以及光寶的系統設計與量產製造能力,著重發展定點照護(POC)檢測設備,因應急診、遠距照護系統的未來需求。

光寶集團新事業執行長廖學福表示,新加坡政府積極發展生技醫療產業,加上其穩定的經濟環境、完善的智慧財產權保障制度以及高密度的專業人才齊聚,這些都是吸引光寶於新加坡設立首座境外研發中心的原因。

「一帶一路」中泰高鐵等基建對泰國房地產的影響

泰國是中國「一帶一路」戰略面向21世紀海上絲綢之路經濟帶的出海口和支點國家,經營好中泰經濟貿易關係對海上絲綢之路經濟帶的延伸具有重要的示範意義和傳導效用。 目前,中國主導成立亞投行,泰國亦為亞投行創始成員國,中泰兩國經貿合作正處於加速發展的關鍵期,基礎設施合作是其中的重要內容,中國企業宜抓住當下有利時機,加大泰國市場開拓力度,做好基礎設施,使之成為中泰兩國經貿合作以及「一帶一路」戰略的著力點。

source: tradingeconomics.com
中泰基礎設施合作的重點領域

一、交通建設領域
巴育政府成立以來,為刺激國家經濟發展,注重加大基礎設施投入,2014年7月,泰國國家維安委員會批准了2015-2022年交通基礎設施戰略規劃,預計公共和私人總投資近800億美元。 如米軌鐵路方面,計畫總投資約145億美元用於新建和修復14條雙軌鐵路線,以及更新鐵路基礎設施;高鐵方面,目前已確定同中國合作修建廊開 - 曼谷以及曼谷-瑪達普港的標準軌鐵路,全長873公里,設計時速160公里,總投資約150億美元。

此外,泰國政府還計畫投資250億美元,修建4條高鐵;城市軌道交通方面,計畫總投資約160億美元,涉及13條城市輕軌線路;公路方面,計畫總投資約50億美元,用於高速公路、農村道路修復以及與周邊國家互聯互通專案(如芭堤雅- 羅勇高速);港口方面,計畫總投資約12億美元,涉及6個港口的新建擴建以及流域治理專案(如蘭查邦);機場方面, 計畫總投資約5億美元,用於曼谷素旺那普機場改造專案。(多知道點: 標籤:泰國高鐵)

二、電力領域
泰國是最著名的亞洲旅遊目的地之一;泰國經濟在各個領域
具備持續高增長的潛力, 其中包括房地產業。
泰國電力短缺問題嚴重,已成為制約經濟發展,威脅國家能源安全的重要因素。 泰國天然氣發電占發電總量的67%,近50%的電力依賴進口(包括直接購電、進口發電用天然氣和煤炭)。 泰國油氣資源匱乏,自產天然氣將于2020-2030年枯竭,進口天然氣將使發電成本大幅上升。

因此,泰國政府高度重視發展新能源專案,將發展新能源列為能源戰略首位,泰國能源政策管理委員會日前提高了新能源在整個能源規劃中所占的比例,計畫到2020年新能源的生產所占全部能源的比例由目前的13%提高到25%,其中風電發電量計畫達到1200兆瓦,太陽能2200兆瓦,生物能3630兆瓦,垃圾焚燒發電160兆瓦,沼氣發電600兆瓦 ,水電1608兆瓦。...........持續閱讀



新加坡發展內需 經濟逆勢成長

今年來,全球經濟衰退,而亞洲各國出口又受中國需求減緩所苦,經濟成長一面倒,但是新加坡,卻在這片風波中,走出自己的路,不只打破分析師的經濟成長預期,更開創了小國經濟的另一種可能。

 大家都知道,2015年台灣出口遭到重創,連續下滑十一個月,經濟成長也一路下修,到現在2015年連一都保不了。去年底,中經院預估的今年經濟成長率也無法保二,雖然各分析師紛紛預期今年下半年將有所起色,不會再像去年那麼糟,但是投資人仍然人心惶惶,而扶植產業轉型被視為現階段政府的首要任務,現在新加坡的小國內需經濟有所起色,也為台灣經濟帶來了另外一種契機。

新加坡第四季經濟成長超乎預期

新加坡最新的經濟成長率打破早前亞洲分析師的預期,其2015年第四季GDP較上季成長5.7%,遠高於彭博社預估的1%。

新加坡是一個出口導向的國家,受全球需求影響甚深,去年因中國經濟放緩等因素,亞洲各國出口一片衰退,但是新加坡為什麼還是能打破成長預估呢?原因在於:內需的服務業與營建業顯著成長。根據數據顯示,新加坡第四季服務業與營建業季比各成長了6.5%與7%,零售銷售額更是連續九個月正成長,這正是因為新加坡政府為了改善內需市場,大力扶植「國內觀光產業」,新加坡政府透過政策鬆綁鼓勵本國、外國企業投資,都讓新加坡觀光產值扶搖直上,今天只要說到F1賽車、世界最高摩天輪、世界最高賭注上限的賭場,你就一定會想到新加坡!

彈丸之地 逐步打造「東方瑞士」

自新加坡建國伊始,政府就以成為 “東方瑞士” 為目標,將大中華、東協國家、南亞印度三大區塊視為發展重點,因此金融市場一直以開放、透明、安全與效率著稱。政府在開放的同時,建立信貸管理及風險防範的機制,對商業銀行實行嚴格的資產負債比例管理和資產風險管理,以提高金融效益與金融安全。例如:1997年亞洲金融風暴以後,政府加強了對新加坡元跨境流動的管理,並對外匯資金進入新加坡股票證券市場和房地產領域的管控,大大減低 2008 年美國次貸危機對新加坡的影響。

為了邁向 “東方瑞士” 的發展目標,新加坡政府持續推出具有國際競爭力的激勵政策,讓資金可自由出入,無外匯管制且不課徵資本所得稅,近年來更推動免收年營業收入 100 萬新元以下小企業的公司所得稅以及取消對個人徵收遺產稅等關鍵性政策措施。也因為開放的金融制度,以及加強銀行保密法等做法,加快了全球企業往新加坡聚集,也成功的吸納外資的財富,在不到 50 年的時間里,成功躋身國際金融中心之一。

新加坡的人才吸納策略

因應此波轉型,儘管地小的新加坡,卻能配合地理位置關係,發展不同以往的人才匯集中心。
舉新加坡的高等教育或是文官委託培訓計畫來說,新加坡的政府和大學,都有跟中國方面簽訂合作計畫。在高等教育的合作上,與中國大學合作優先選派高中畢業生,在大學期間有一到兩年時間到新加坡學習,並且可以留在新加坡工作,而在政府文官委託培訓則是會互相培訓,每升到一個級別就會有內部總體的培訓,比如說升到省部級領導就是去中央黨校培訓,那在地廳級這種比較基層的官僚,就有機會到新加坡學習,也順便學習新加坡的國際化、地方治理等經驗。

不可諱言,在這之中當然有政治上的考量和背景,但值得思考的是,新加坡這樣的代訓,等於是在中國各地部屬了許多了解新加坡、喜歡新加坡的政府人脈,且不說別的,對自己的廠商要進中國肯定有幫助。

分析
參考

2016年4月8日 星期五

IMF特別提款權貨幣(SDR)將取代美元,成為主要的外匯存底貨幣: 將來全球儲備貨幣將改變 ( IMF SDR will make inference to USD position ? )

The IMF Confirms China Yuan Inclusion In SDR Basket At 10.92% Weight, Above JPY And GBP

IMF 將大幅降低 SDR 美元比重
The IMF reviews the composition of the basket every five years. The fund rejected the yuan for inclusion during the last review, in 2010, saying the currency didn’t meet the necessary criteria. But now...

  • IMF APPROVES ADDING YUAN TO RESERVE-CURRENCY BASKET
  • IMF SAYS YUAN TO JOIN SDR BASKET EFFECTIVE OCT. 1, 2016
  • IMF SAYS YUAN MEETS `FREELY USABLE' STANDARD
  • IMF STATEMENT DOESN'T SPECIFY WEIGHTING OF YUAN IN SDR BASKET
  • IMF SAYS CHINA IS EXPECTED TO HELP FACILITATE USE OF SDR
  • LAGARDE: ADDING YUAN RECOGNIZES CHINA'S PROGRESS ON REFORMS
  • LAGARDE SAYS CHINA TO IMPLEMENT MORE FINANCIAL REFORMS
  • IMF: YUAN TRADING UP SIGNIFICANTLY IN 2 OF 3 MAJOR TIME ZONES
      Reuters then reports,

CHINA'S RENMINBI TO HAVE WEIGHTING OF 10.92 PCT IN IMF'S BENCHMARK SDR CURRENCY BASKET
Which is less than the 14-16% expectation (but nationalistically greater than Japan's Yen and Britain's Pound)...

But, as Bloomberg details, there are 4 critical points...
  • SDR status doesn’t require central banks to hold yuan but could be a catalyst for portfolio reallocation.
  • Reserve managers for countries having strong trade and funding ties with China have the strongest incentive to increase yuan holdings.
  • Reallocations by central banks may be gradual to minimize disadvantageous market pricing.
  • Reallocations by private investors will be constrained until capital controls are lifted and transparency improves.

However, as Bloomberg concludes, the ability (and risks) are near-term constraints on any major re-allocations.

  The willingness to hold more yuan and less dollars is one thing; the ability to execute is quite another. At the moment, the ability of private foreign investors to increase their yuan allocation is limited by China’s capital controls. There are special arrangements for foreign central banks that give them enhanced access to China’s foreign exchange and interbank bond markets.

IMF 未公開文件是將人民幣增加15%,問題是中國外匯並不自由有管制,恐怕只是佔全世界便宜
  Another hurdle for expanding yuan holdings is the perception of a lack of transparency and market manipulation by the Chinese authorities. Until access and perceptions change, these factors will slow the flow into the yuan. The depth and security of U.S. government bonds may also constrain switches out of dollar assets.

Finally we could not help but see the irony in the fact that today The IMF accepts the Yuan into the 'free market' currency basket just a day after what appeared to be a huge intervention in the offshore Yuan market...
  Central banks tend to adjust reserve allocations slowly, so as not to pit market pricing against them. This suggests a steady gradual stream of demand for yuan assets over time. Until portfolio rebalancing is complete, dollar rallies may be short-lived as these may be seen as attractive opportunities for investors in both the public and private domain to trim dollar exposure.
As finally, before everyone gets too excited - The history of yen internationalization offers a cautionary tale on hopes for the yuan.

真相或陰謀論?美元體制將崩解、中俄囤金為危機作準備

中國、俄國央行狂買黃金,知名作者Jim Rickards提出陰謀論觀點解釋,預言以美元為主的全球貨幣體制瀕臨崩盤,國際貨幣秩序即將重組,中俄囤金,正是為了危機爆發預做準備。
MarketWatch、TruNews 報導,Rickards曾撰寫知名暢銷書《下一波全球貨幣大崩潰》(The Death of Money),他在新書《The New Case for Gold》預言,全球對美元失去信心,將導致貨幣秩序崩解,當前僅剩國際貨幣基金組織(IMF)擁有乾淨的資產負債表,IMF特別提款權貨幣(SDR)將取代美元,成為主要的外匯存底貨幣。各國擁金自重,是為了在重新制定規則時,取得更多發話權。

書中指出,各國增持黃金,分散外匯存底部位,形成影子金本位制。歐元區持有黃金佔GDP比重最高,超過4%。美國為2.7%、俄國也是2.7%。俄國正全力蒐購黃金,想超越美國、趕上歐元區。另外,2015年7月中國公布黃金持有量為1,658噸,外界多認為北京持有黃金可能接近4,000噸,並持續增加當中。

Rickards 認為,等到貨幣秩序瓦解,國際改寫規則時,黃金就像賭桌上的籌碼一般,哪國持有越多、份量越重,將成為新貨幣秩序的主導者。他預估,新秩序將由美國、德國、俄國、中國制定。中國兩國囤金,正是為此預作準備。

英國金融時報、路透社3月31日報導,全球地緣政治風險日益緊繃、再加上外匯存底分散需求日增,促使全球央行趁著低價在去(2015)年大舉購入黃金,收購量多達483公噸、創金本位制結束以來的次高紀錄。根據湯森路透黃金礦業服務公司(Thomson Reuters GFMS)統計,俄羅斯與西方國家的關係日益緊張,為了把外匯存底從美元分散出去,該國已連續第4年成為全球最大黃金買家,去年收購量增加了206公噸。

中國去年下半年也大買104公噸的黃金,使黃金儲備量上升至1,742公噸,與俄羅斯成為去年最主要的黃金買主。


分析
  • 貨幣、黃金ETF及全球貿易看,仍然要經歷3年以上時間,美元才會完全結束高檔;
  • GLD ETF 趨勢看,黃金上升及美元高檔是再來情況,IMF 將人民幣增加比重,問題是中國外匯並不自由有管制,很難有實際作用;
  • IMF特別提款權貨幣(SDR)將取代美元,成為主要的外匯存底貨幣: 將來全球儲備貨幣將改變,但以全球貿易實力及中國外匯並不自由,5年內全球仍難以改變美元是主要全球貿易貨幣,加上中國加入IMF,中國大陸卻不守住人民幣,也就是說中國大陸比想像中脆弱許多人民幣下跌是全球最大風險,後來又靠中國外匯加強管制才又守住人民幣,IMF這些動作義意不大,歐元區也無法靠 Euro 特別提款權貨幣(SDR)之比重升高來維繫歐元,因為歐元問題是天生的
  • 人類資本主義金融之貨幣系統已經演變成支撐全球經濟成長關鍵,然而 , 全球債務已經超過50兆美元 之今日,既使印鈔來轉移債務泡沫,貨幣之信心需要靠黃金來支撐已經是再次印鈔需要之要件,這改革需要 IMF 一籃子貨幣加上黃金來支撐貨幣信心,但這改革還是要外匯自由貨幣來支撐,不可能靠有管制之人民幣及不穩定歐元;

2016年4月2日 星期六

我所體會之富人與窮人在行為、想法之差異 ( What I experienced between rich and poor in his/her thinking and behavior )

  許多人也許少有機會看見自已朋友從貧窮走向富足、從沒房子沒錢走向上億富人,我卻是親眼所見,希望藉這樣所見所聞,鼓勵大家走向富足,才能幫助許多人,不要以為不可能。

10 Major Differences Between Rich and Poor People

I've been rich and I’ve been poor. I know both sides very well.

Growing up poor, I knew that I wanted to be rich. At the age of 24, I earned my first million dollars. I came a long way and studied the subject all of my life. Over time, I have discovered that if you're not living in prosperity, you're living in poverty.

Wealth is a choice that we must all make. Bill Gates once said, "It's not your fault if you were born poor, but it’s your fault if you die poor." There's no reason why you should live in poverty. Wealth is waiting for you, but you have to make up your mind if you want it in your life.

For a long time, I struggled to believe that I could eventually become rich. It wasn't until I observed the differences in thoughts and actions between the "haves" and the "have-nots."

Here are 10 major differences between rich and poor people: ( behavior )
  • 1a. Poor people are skeptical  ( 窮人易懷疑態度 )
    • I distinctly remember a former coworker of mine saying, "Those mechanics are a rip-off! They're always looking for the weak people. They'll charge you when you're not looking!!" He thought that everyone unjustly wanted his money and that everyone is out there to get him. 
  • 1b. Rich people are trusting ( 富人信任人 )
    • Surprisingly, a great deal of rich people leave their car and house doors open. Conversely, in areas of poverty, you'll find that this behavior is highly unlikely to happen. Rich people have the tendency to trust those they meet (within reason) and give others the opportunity to be themselves.
  • 2a. Poor people find fault ( 窮人找錯誤 )
    • People who are poor are always looking for the problems instead of the solutions. They end up blaming their environment, circumstances, jobs, weather, government, and will make an extensive list of excuses as to why they cannot be successful. 
  • 2b. Rich people find success ( 富人尋覓成功之道 )
    • Rich people understand that everything happens for a reason. Rather than letting life happen to them, they take direct action and make big things happen. They put aside all the excuses and eradicate their blame lists because they have to do what must be done. 
Related: 10 Phrases Every Millionaire Avoids
  • 3a. Poor people make assumptions ( 窮人常做假設 )
    • When it comes to knowing the truth, poor people often make assumptions. If they want to reach out to a celebrity, they might say, "They probably don't have time to talk to me." Instead of checking the facts or asking questions, they never make a true attempt when it comes to getting what they want.
  • 3b. Rich people ask questions ( 富人常問問題 )
    • Many rich people ask the question, "What if?" For instance, "What if I wrote an email to the president and he or she answers?" If you begin to ask questions, you will save yourself a lot of hassle. The power is in the hands of those who ask the right questions. They don't answer your questions, question your answers.
  • 4a. Poor people say, "They" and "Them" ( 窮人常說“他們”和“他們” )
    • In the grocery store, the woman at the register said, "They never have enough cashiers. I don't know what's wrong with them." Obviously, this woman did not take any ownership and responsibility over her job. She certainly did separate herself from the job that was paying her. 
  • 4b. Rich people say, "We" ( 富人常說“我們” )
    • At one of my favorite restaurants, the server said, "We take great delight in cooking our steaks in real fire." His sense of pride and ownership stimulated me, which allowed me to give him an honorable tip. Surely, you will be rich when you invest more into what you believe in.  
  • 5a. Poor people want the cheapest way ( 窮人常選擇最便宜的方式 )
    • I was once shopping with a friend who only wanted to buy if they could find the cheapest clothing. They would rush to the clearance rack and pick up clothes that they didn't even want, but ended up buying because of a "deal." Unfortunately, they ended up never wearing it since they only bought the price.
  • 5b. Rich people want the best way  ( 富人常選擇最好的方法 )
    • Rich people will go the extra mile to find quality material. They don't limit themselves to price and often seek service while they shop. Rich people want organized services and will never settle with items that are worthless and unusable.
  • 6a. Poor people think money is more important than time ( 窮人認為金錢比時間更重要 )
    • Millions of people all over the world are trading their precious time for money. You can always get $500 back, but you can't get 50 hours again. Nonetheless, the majority of people trade time for money and never realize their true potential because of it.
  • 6b. Rich people know that time is more important than money ( 富人認為時間比金錢更重要 )
    • Rich people never trade time for money. Moreover, they seek fulfilling experiences that dramatically alter their lives. Their careers are more focused on doing what they love and helping others, instead of merely clocking in for a meager paycheck.
Related: 5 Secrets to Monetizing Your LinkedIn Experience
  • 7a. Poor people compete ( 窮人只知競爭 )
    • When a poor person sees an opportunity, they find out how others are doing it and emulates them. Most often, they never consider another way of doing it. Instead, they settle in the belief that doing what others are doing is the best thing they can do for themselves.
  • 7b. Rich people create ( 富人創造機會 )
    • My rich neighbors were disgruntled when they found that their Porsche did not come in a specific shade of green, which they deeply wanted. Because of this, they decided to custom build their green Porsche with unprecedented specifications. I've never seen such a thing! 
  • 8a. Poor people complain, condemn, and criticize ( 窮人抱怨,譴責和批判 )
    • Most poor people have learned how to be poor from their predecessors. Their family members have conditioned them to believe that everything is "wrong" instead of right. If you're ever heard someone ask, "What's wrong?" you'll know what I mean.
  • 8b. Rich people praise and enjoy their blessings ( 富人讚揚和感恩他們的祝福 )
    • Rich people know that they have many privileges and they don't take it for granted. Because of their appreciation of gifts, love, and circumstances, they are able to generate more. Many times, what gets praised gets prospered.
  • 9a. Poor people seek amateur advice ( 窮人常尋求非專業意見 )
    • They often listen to the opinions of others and seek approval from acquaintances. They believe almost everything they hear without questioning authority. They accept opinions as facts and prohibit themselves from doing research once satisfied with an answer.
  • 9b. Rich people seek expert advice ( 富人們徵求專家意見 )
    • Those who are rich have learned to think for themselves. If they cannot figure out something, they seek expert advice. Usually, they pay for the advice and are given a wide variety of options. They learn the experts only make suggestions, which means that they aren't particularly confined to a specific action.
  • 10a. Poor people have big television sets ( 窮人喜愛有大電視機 )
    • Poor people take a lot of time to drift off to sporadic images of which they often have little to no control over. They use their free time to avoid the art of thinking (which is the most challenging task) and zone out to what many have conformed to believe is "entertainment." 
  • 10b. Rich people have big libraries ( 富人喜愛有大知識庫 )
    • Wealthy people are educated and read a lot of books. They use their knowledge in a way that benefits them. Instead of drifting off in random activities, they seek to get within their minds to understand themselves, others, and the world in which they live. In fact, as your personal library increase over the years, so will your home. I can attest to this!
To get a true perspective on how to become rich, you must study rich people. After all, you become what you study. If you're currently surrounded by people who aren't yet rich, just do the opposite of what they do. Soon enough, you'll be able to reach your financial dreams!

7 Main Differences Between Rich And Poor People

    Most people want to be rich, but most of them are poor, why? There must be some differences between rich people and poor people. If you study carefully, you will find out why rich and successful people are able to produce amazing results in their life, and why some people are living in poverty.
  To be rich and successful, you don’t need to be lucky, extremely hard working or you need to have a college diploma or a university degree.
  What you need, is the right mindset and the right mindset will form the right habit. As a result, the right habit will lead you toward the financial abundance kind of lifestyle that you always desire.
So here are the 7 main differences between rich and poor people…

  1. Rich people believe that they create their lives while poor people believe that life happens to them. 
    • Can you see why rich and successful people are able to create amazing results in their life right now? It is simply because they are in control of their lives. They believe that they are the ones who is responsible for their lives, they are the ones who is creating their future, not the economy or the knowledge or luck. On the other hand, poor people will always give excuses and blame on the circumstances. 
    • When they failed in their business, they will blame the economy, their boss, their family or anything that did not go according to their plan. Whenever you believe that life happens to you, you will lose the power to change and the power to control your future. You must believe that you’re the one who is creating your future, not other people or events.
  2. Rich people play the money game to win but poor people play the money game just not to lose money. 
    • This is a big mindset difference. Have you ever seen people invest in the stock market? Some people are so afraid that they will lose their money and they form a mindset that blocks their creativity. They formed the mindset of ‘investing not to lose the money.’However, rich and successful people know exactly how they need to think in order to win the game of money. 
    • They will think and act from the view of playing the game to win. Unlike poor people, they will never invest just not to lose the money.
  3. Rich people think and focus on opportunities while poor people focus on obstacles. 
    • When you face with problems, what are you focus on? Are you focus on the problems, thinking how bad the situation is going to be? Or are you focusing on the solution and thinking about how you can solve or even turn the situation into opportunity? Think about this carefully. No matter who you are, you will definitely face with all kinds of choices in your life. And when you need to decide to move on, try to notice on you thinking, what do you focus on, the solution, or the problem?
  4. Rich people dare to dream big, poor people think small. 
    • When I tell my parents that I want to make a million dollar, they will tell me, “Why do you need so much money? You can live a very good lifestyle if you got a job that has a good pay. You don’t need to be a millionaire.” I don’t know about you, but this statement happens to me all the time. And I definitely believe that poor people will tend to think small while rich people always think big. 
    • To poor people, they will think that rich people are greedy because they always think big. Is it true that you are being greedy if you think big? I don’t know if I buy this, but to me, I’ll think of it as a waste if you’re not using the resources available (your thinking) to you at full. Don’t you owe it to everyone around you to create a better life for them? Don’t you want your family to live good? So think big and create the abundance lifestyle for these people right now.
  5. Rich people are committed to their dreams, poor people are just dreaming about their dreams. Yes, this is an obvious one. 
    • If you’re not committed to be rich, you can never be rich. How many times have you heard people say that they want to be rich, but they never do anything about it?
    • This is the mentality of poor people. They will just think about how good it is going to be if they are rich, but they will never do anything about their dreams. They know that they cannot afford a luxury car if they have a low pay job. The thing is, they never do anything to change it.
    • On the contrary, rich and successful people are committed toward their dreams. They will do whatever it takes, in the boundary or moral and ethics of course, to achieve their dreams.
  6. Rich people associate with rich and successful people. Poor people will associate with poor people. Do you have any rich friends? Or all of your friends are poor?
    • I’m not suggesting that you need to stop making friends with poor people, what I’m suggesting it, try to get to know more about rich people. The more you mix with them, the more you will think like them. And if you think like them, you will start to create amazing results just like them.
    • If most of your friends are poor and their working salary all are below, $2,000, you will be having the same range of salary most of the time. However, if you associate with rich people who are making $2,000 in just a day, you will start to see the possibility of what you can accomplish in your life.
    • And this will change your thinking of what you can achieve in your life. $2,000 will become a small amount for you once you changed your mindset about money.
  7. Rich people good learners while poor people think that they have learned everything in the world. One of the fastest ways to be financially abundance is to learn directly from people who have already achieved this status.
And if you’re not willing to learn, you will never be able to be successful. If you want to get the best pay, you must be the best. And the only way you can be the best is to learn from the best and learn to be the best.
You now know what are the 7 main differences between rich and poor people. Do what rich people do and try to avoid the adopting the mindset and habits of the poor.
This will guarantee you a financial abundance lifestyle.

成為富人我體會之富人行為、想法心得:
  • 看趨勢、對方向比什麼都重要;( Trend )
  • 看遠景、產業趨勢;( Vision )
  • 生意模式、商業模式及創新之價值;( Business model )
  • 重閱讀、知識、人脈,非常多富人有大量知識及閱讀習慣;( Knowledge、Connection )
  • 看重健康,知道感恩 ( healthy & blessing life )
  • 看重執行力、選最好的來運作 ( Execution、do the best )
  • 看重投資及生意模式之財務績效成長率及風險,指數型成長,還是線型成長 ( Profit、Risk model )
  • 足夠的耐心等待時機、足夠的恆心毅力,了解該堅持是什麼 ( Patient、Determination
     )
    • 時間比金錢重要,時機比時間及金錢還重要
    • 時間比金錢重要,重點在於運用人脈、資源去順利達成
  • 一個產業或投資之成長,不是所有行業或方式賺的錢是一樣多的,投資賺錢模式要對 ( What is the key and secret in the great success of business and investment model ? )

參考