水蓮

最近、海外に口座を開いたんですよ。

何をするかって、バークシャーを買い占めるため。
というわけではなくて・・・

海外の口座なら、そうそう気軽に売ったりできないだろうから、
自分で作る退職金みたいな感じで、定年まで、ほったらかしておけるかな、と。

でもね、海外に送金する段階で、ＷＥＢ上で必要事項を入力する途中、
英語理解力的に怪しくなって、自信がなくなって画面を閉じちゃいました。

涙。


今日は、お勉強がてら、アメリカのヤフーファイナンスを覗いてたら
こんなのを見つけたので、覚え書き。


「あなたがお金持ちになれない１０個の理由」



1. You Care What Your Neighbors Think:

If you're competing against them and their material possessions, you're wasting your hard-earned money on toys to impress them instead of building your wealth.


確かに。

他人の目を気にして、というか、虚栄心がジャマをして、
ついつい欲しくもないものを買っちゃったり、しますねー。


2. You Aren't Patient:

Until the era of credit cards, it was difficult to spend more than you had. That is not the case today. If you have credit card debt because you couldn't wait until you had enough money to purchase something in cash, you are making others wealthy while keeping yourself in debt.


お金が貯まるまで、欲しいものは我慢しなさい、ってことかしら。

私の場合、カードで買ったほうがポイントが貯まって、商品券とかと
交換できるのがお得だと思うので、使いますが。何か？


3. You Have Bad Habits:

Whether it's smoking, drinking, gambling or some other bad habit, the habit is using up a lot of money that could go toward building wealth. Most people don't realize that the cost of their bad habits extends far beyond the immediate cost. Take smoking, for example: It costs a lot more than the pack of cigarettes purchased. It also negatively affects your wealth in the form of higher insurance rates and decreased value of your home.


タバコは吸いませーん。


4. You Have No Goals:

It's difficult to build wealth if you haven't taken the time to know what you want. If you haven't set wealth goals, you aren't likely to attain them. You need to do more than state, "I want to be a millionaire." You need to take the time to set saving and investing goals on a yearly basis and come up with a plan for how to achieve those goals.


確かに、非常識に稼ぐ人は、ゴールから考えて、達成のために必要なプロセスを
細分化して、逆から考えるね。

私に足りないんだけど。


5. You Haven't Prepared:

Bad things happen to the best of people from time to time, and if you haven't prepared for such a thing to happen to you through insurance, any wealth that you might have built can be gone in an instant.


6. You Try to Make a Quick Buck:

For the vast majority of us, wealth doesn't come instantly. You may believe that people winning the lottery are a dime a dozen, but the truth is you're far more likely to get struck by lightning than win the lottery. This desire to get rich quickly likely extends into the way you invest, with similar results.


誰だって一攫千金狙いたいのだ。
大衆心理として心に留めておきたいですね。


7. You Rely on Others to Take Care of Your Money:

You believe that others have more knowledge about money matters, and you rely exclusively on their judgment when deciding where you should invest your money. Unfortunately, most people want to make money themselves, and this is their primary objective when they tell you how to invest your money. Listen to other people's advice to get new ideas, but in the end you should know enough to make your own investing decisions.


・・・法外な値段の悪徳投資顧問にひっかかる愚は冒したくないものです。。



8. You Invest in Things You Don't Understand:

Your hear that Bob has made a lot of money doing it, and you want to get in on the gravy train. If Bob really did make money, he did so because he understood how the investment worked. Throwing in your money because someone else has made money without fully understanding how the investment works will keep you from being wealthy.


9. You're Financially Afraid:

You are so scared of risk that you keep all your money in a savings account that is actually losing money when inflation is put into the equation, yet you refuse to move it to a place where higher rates of return are possible because you're afraid that you will lose money.


10. You Ignore Your Finances:

You take the attitude that if you make enough, the finances will take care of themselves. If you currently have debt, it will somehow resolve itself in the future. Unfortunately, it takes planning to become wealthy. It doesn't magically happen to the vast majority of people.



ふと思いついて、また「ウォール街のランダムウォーカー」を
読み返してみた。