Showing posts with label Financial Attitude. Show all posts
Showing posts with label Financial Attitude. Show all posts

Monday, February 20, 2012

讓孩子學會珍惜


當孩子已經有能力走出門到便利商店買東西的那一刻起,就是他能開始學習管理零用錢的時候了。

錢不是從樹上長出來的”,父母若總是以自己的錢提供孩子各種所需,便無法讓孩子明白錢的價值,更無法進一步珍惜金錢所換來的任何東西。

Marie是位單親媽媽,職業婦女工作與家庭兩頭燒的繁重壓力,總讓她對7歲的兒子迪迪有種愛的虧欠感,不自覺地便以購物消費的方式滿足孩子的物質需求,對迪迪提出的要求幾乎很少說“不”。

“媽媽,買那個給我!”迪迪在百貨公司指著昂貴的玩具要求母親付錢。

Marie正要掏錢,卻發現自己竟忘了帶錢包。

“對不起,媽媽今天沒有帶錢,我們下次再來買好不好?”

沒想到迪迪對這樣的理由完全無法接受,當場開始大哭,甚至指責媽媽沒帶錢包的不對。

Marie驚怒之餘當下頓悟,孩子會有這樣的反應,絕對與自己過往的教養方式有關。從前以為無條件的供給就是愛,沒想到卻無法教會孩子感恩與珍惜。看來,該是重新調整孩子金錢觀的時候了……但是,該怎麼做呢?

如果是你,會給迷惘的Marie甚麼建議呢?

讓孩子“花自己的錢”

相信每位聰明的父母,都能有一套自己的理念來教好孩子,但以這個例子來說,我要提出的建議只有一個,那就是:開始讓孩子“花自己的錢”。

是的,聰明的你已經想到,那正是“零用錢”!當孩子已經有能力走出門到便利商店買東西的那一刻起,就是他能開始學習管理零用錢的時候了。

“錢不是從樹上長出來的”,父母若總是以自己的錢提供孩子各種所需,便無法讓孩子明白錢的價值,更無法進一步珍惜金錢所換來的任何東西。

定期少量給予孩子固定金錢

在孩子能獨立之前,“零用錢”是親子之間最緊密的金錢關係,定期少量給予孩子固定金錢讓孩子學習支配,能讓孩子因此學會理財,更能成為養成良好品格的正增強物。

我在兒童理財教育營隊中,總有一個單元是要讓孩子們在遊戲裡學會將錢分別存進“錢變多”和“快樂花”兩個儲蓄罐,除了養成儲蓄的好習慣外,能克制多餘的消費慾望、分辨“想要”與“需要”的不同,是我更亟欲想讓孩子們擁有的觀念。

如果你是Marie,或許接下來在扭轉迪迪的觀念時,恐怕要費一番工夫與孩子的抗拒與情緒周旋囉!溫柔而堅定的態度,是教養孩子的心法之一,持續耐心地確立原則,守護孩子培養出自己的能力時,相信會是為人父母者最欣慰的時刻!

Source: (星洲日報/投資致富‧兒童理財)2012-02-12

Tuesday, October 18, 2011

勿陷買房出租6誤區


目前,傳統投資工具回報率不高,而住房價格正處於低位。那麼眼下是不是考慮買些住宅以供出租的好時機呢?

如果一切順利,現在投資房地產有可能獲取意外豐厚的利潤。許多地區的房租都在攀升,而且市場上可供出租的房屋可能還會增加。

邁克爾麥克里里(Michael McCreary)說,過去,投資者希望獲得的租金回報是房屋總價的1%,也就是說如果一棟住宅的價值是10萬美元,那麼投資者期望的月租金是1千美元,年回報率為12%。

麥克里里是房地產中介公司McCreary Realty的老闆,這家公司管理著亞特蘭大地區大約300處房產。麥克里里稱,如今他的投資者中一些人得到的房租回報高達房價的2%。

不過,一般而言,扣除費用後的平均回報率要大幅降低,大概在房價的5至6%,房地產市場預測公司Local Market Monitor的總裁因戈文策爾(Ingo Winzer)表示,即使如此,也比其他許多投資的收益率要高得多。

先別急著去找合適的房源,行動之前要記住:擁有可出租住宅是一項耗時、費錢而且麻煩不斷的投資,而且不少投資者都在這上面栽了跟斗。下面我們來對一些常見的誤區做一番瞭解。

誤區1:把廉價交易當作好交易

誠然,你能以極低的價格買到一些房子,不過這並不意味著你就能把這些房子租出去。偏僻地區的住宅不但對買房者毫無吸引力,租客同樣對這類房子不感興趣。這個道理也適用於那些不那麼受青睞的房產或是位於不太好的學區的房子。

房地產管理公司Home Pointe Property Management的羅伯特馬沙多(Robert A.Machado)說,來自舊金山的投資者常常會在薩克拉門托(Sacramento)高價買房,以為那裡的房子能給他們帶來像加州舊金山灣區(Bay Area)一樣高的房租回報,結果卻證明他們支付的價格過高了。馬沙多通過很多途徑來評估房租價格,其他業內人士則建議仔細考察週邊的公寓,不僅要看房 租,還要看他們是否提供特別優惠。

誤區2:忽略了關鍵成本

單單知道了可能獲得的租金回報還不夠。買房前,你還要考慮到大約佔交易總金額3至6%的交易結算費用、修葺和維護房子的開銷以及你持有房產的成本。然後算上你期望獲得的回報,只有這樣你才能算出你能買得起甚麼樣的房子。

誤區3:忘記了時間就是金錢

房地產經銷商Home Vestors Of America總裁戴維希克斯(David Hicks)稱,在房地產投資上,時間是你最大的敵人。

如果房子空置沒有人住,不管這時候你是在粉刷房子還是在等待招新租客,你就是在虧錢。若你在秋季買下一套房子卻等到春季才裝修完,那麼你也在虧錢。從經濟上來看,接受較低的租金比等一個願意付高價的租客或許更劃算。

誤區4:以為能坐等租金自己飛進口袋來

房地產公司Get There First Realty的馬克科萊蒂特(Mark Kreditor)說:“一旦你做了房東,你就成了一個房租催討者。”這家房地產公司在達拉斯-沃思堡地區管理著1千600家出租房屋。

就像買房子的人可能付不起貸款一樣,租房子的人也可能丟掉工作然後無法付房租。趕他們出去可能需要幾週時間,有些租客還會偷屋子裡的電器或是其他東西。科萊蒂特說,一個月總有那麼一兩次,租客在搬出去的時候將屋子裡的銅管偷出去賣廢品。

誤區5:低估維修成本

跟所有擁有住宅的人一樣,你將面臨大量維修工作。出租房屋的地毯通常每5年就必須更換一次,而且每次更換租客時,你都必須重新刷一遍房子。全國住宅管理者協會會長托尼德羅斯特(Tony A.Drost)建議留出6個月的費用以備需要重大維修時使用。

誤區6:將出租房屋等同於自己的住宅

人們住自己的房子時可能接受一些瑕疵,租房子住時卻不願湊合。另外,美國許多州和社區都針對房 東制定了嚴格(且繁復)的法律,哪怕是你只有這一套住宅也必須遵守。房屋中介能幫你解決大部份麻煩事,不過你需要支付他們一個月的房租作為尋找以及甄選租 客的傭金,而且還要支付管理費,最多為月租金的10%。

Source: 星洲日報/投資致富‧置產有道

Wednesday, August 24, 2011

小故事学习: 创造未来


故事:-

一位记者采访三个建筑工人时, 问了他们同样的问题: “你在做什么” 第一个工人回答: “我正在砌一堵墙.” 第二个回答: “我正在盖一栋房子.” 第三个回答: “我正在为人们建造漂亮的家园.”

若干年后, 当记者再次找到他们时, 万分惊奇地发现: 当年第一个工人现在还是一个普通的建筑工人, 依然像以前一样砌墙; 而在施工现场拿着图纸的设计师竟然是当年的第二个工人; 至于第三个工人, 他现在成了一家房地产公司的老板, 前两个工人正为他工作.


激励心法:

你造就你的梦想, 你的梦想又造就你.
生命可以是一段奇妙的旅行, 也可以什么都不是.
当你能飞的时候就要趁势高飞,
当你能梦的时候就要勇敢逐梦.

Wednesday, June 22, 2011

向猶太人學致富術


“股神”接班人事件無聲落幕,不論波克夏形象是否受損,巴菲特的地位仍絲毫無損。猶太人是天生會賺錢的民族,除了“股神”,Google兩位創辦人及蘭桂坊之父盛智文,都是表表者。

20出頭就赴美與猶太人共事的專業談判師學會會長兼香港市務學會講師趙彼得總結,猶太人賺錢秘技在於重誠信、守時及有一套尋找商機的模式。“只要懂得與他們共處,等於能克服所有危機,馳騁商場無往而不利。”

美國人的財富,大部份落在猶太人手上,不論金融、學術以至科學界,猶太人均獨佔鰲頭。趙彼得坦言,其智慧是經過歷史磨練:“猶太人身份本來卑微,大屠殺時意識到行動要快才可避過子彈,為了求存,就要掌握時間,也需懂得尋找逃生機會。”

遲到等同不尊重神

猶太人敬重神,認為不尊重時間,等同不尊重神的賦予。開會、送貨時間一定要準,不然他們會認為你對神不敬,會給你懲罰。簡單說,即是你送貨不準時或貨物有瑕疵,他們會要求退貨或賠償,你的損失將會很慘重。

當年趙彼得以香港Top Sales身份被猶太老闆羅致,20多歲即坐正副總裁。捧到上天,不過頭兩年的工作壓力,令他處於無地自容:“他們要求很高,目標一定要達到。惟有提供賺錢方法,才令他們刮目相看。”

曾兩度跳槽失敗,第一次因為“比預約時間早了20分鐘”,第二次是“未能在限時3分鐘內提供賺 錢方法”,他從教訓中學精:“直接致電負責人說,我有個製造汽水的新配方,產品一定大賣,可極速打敗現時的飲品龍頭。”強勢說話方式,最能引起興趣;想加 強效果,更可說:“不用3分鐘,我20秒就能告訴你如何賺大錢!”

能擔任猶太企業集團高層,趙彼得的方法是學懂談判、融入其宗教和文化,把自己當成猶太人。

金科玉律

從不妥協即使有外來因素影響,也必須達到目的。

重視時間不容許早到或遲到,例如見工早到也不會獲聘,凡事必須準時有計劃。

尋找商機只接受能獲利的營商提議,而提議者必須做得到,否則會討回雙倍損失。

擅於交際應酬從不吝嗇,懂得拋磚引玉,好客又豪爽。

幽默時尚:經常笑面迎人如沐春風,談吐風趣充滿魅力;注重儀表,整潔高雅,員工不剪指甲會被視為不尊重工作及合作夥伴,必遭解僱。

見識廣博喜歡閱讀且教育程度高,勤力,視知識為做人哲學;沒學識的人多數無法融入。

不易記仇今天是敵人,他日也可視為合作夥伴,只要有才幹和賺錢能力,必會招攬。

分析力強精於算術,心思細密,熟知天下事故能察覺端倪,在其面前說謊會被識破。

一諾千金簽定合約就無退縮餘地,誠信破損後再無合作機會。

猶太富豪教育經

1. 從小理財
金錢概念清晰

猶太小孩滿周歲,父母就會送股票作禮;3歲能辨認紙幣、硬幣;5歲知道何謂買賣和如何賺錢;7歲懂得看標籤價格;8歲去打工賺錢學儲蓄;11歲要懂得辨識廣告伎倆和銀行術語。

例子:巴菲特11歲在父親證券行打工並學習投資;14歲利用送報紙賺來的1千200美元買下40英畝土地,並轉租給佃農,累聚龐大財富。盛智文也在10歲開始賺錢,20歲已擁100萬加元財富。

2. 自小愛閱讀
見聞廣博

父母從小培養子女閱讀習慣,灌輸“智慧”是別人無法搶走的唯一東西,任何話題都能談上,商場作風豪爽健談。

例子:海洋公園主席盛智文19歲在時裝公司打工,20歲出頭來港工作,31歲看到香港欠缺特色西餐廳,於是在蘭桂坊開了一家,看準市場商機發展飲食事業,成為“蘭桂坊之父”。2004年獲委任為海洋公園主席,近年擴展夢幻水都吸引遊客,從容面對迪士尼挑戰。

3. 具創業野心
洞察先機

猶太人重視宗教,更有集民族千年智慧的營商聖經《塔木德》,世代傳誦,書中提到致富可靠後天培養,能力不是天生。惟有洞察商機,比人快一步,才可成龍。

例子:Larry Page、Sergey Brin意識網絡發展空間龐大,創辦Google。

Reference: 星洲日报:

Wednesday, April 20, 2011

6 Important Reasons Why You Should Set Goals


“You need a plan to build a house. To build a life, it is even more important to have a plan or goal.” – Zig Ziglar

Do you set goals for yourself? What are your goals for the next 12 months? How about 3 years from now? 5 years? 10 years? What are your aspirations that you look towards coming true?

Goal setting is the first step towards successful goal achievement. It marks your first point towards success. It is what put your life into real action mode. Without this step, the other steps of goal achievement cannot take place.

Have you ever encountered people who have a passive approach towards life? They don’t set any goals and they just live life on a meandering, day-to-day basis. You see them 1 year, 3 years, 5 years from now, and their lives are largely the same, save for a few changes that are really more the result of others’ actions and desires rather than their own.

Below are 6 key reasons why setting goals is so important:

1. Gives Clarity On Your End Vision

As the opening quote by Bill Copeland put it across very adeptly, if you don’t have a goal in life, you are spending your life running around and not achieving anything for yourself. You get the illusion that you are doing a lot of things, but they aren’t what you want. You are just busy fulfilling everyone’s goals. It can be the fast food industry enjoying your patronage because you’re lovin’ it, multi-billion dollar consumer goods companies securing your purchase because they convinced you that their haircare products with 76% frizz reduction is something you need, fashion houses getting you to buy their clothes because it makes you look cool, or you working in a job you don’t love because it is safe, secure and rakes in the dough.

How are you supposed to manifest what you want if you don’t even set concrete goals? How do you supposed to achieve your dreams and visions if you don’t clearly spell out the end output you desire?

Setting your goals gives you clarity on what you ultimately want. It makes you crystallize and articulate the desires floating in your mind. It ensures that you are channeling your time, energy and efforts into things that really matter to you. It makes you live more consciously.

Everything in this world is created twice: First – creation in your mind, followed by the manifestation in reality. Without the mental creation, there will be no physical creation. When you set a goal, you already accomplish the first creation. You have set into motion a decree for yourself and the forces of your universe to materialize the goal in the physical reality.

2. Drives You Forward

Your goals are a representation of your inner desires; desires which motivate you in life. The point when you set goals marks one the points when you are most connected with your source of motivation. It is when your motivation is at its peak. Having goals at your side serve as constant reminders of your motivational sources. They are the fuel which drive you forward and keep you going when the going gets tough.

If I ever experience moments where I lose motivation, I get into meditation mode and focus on some of my most important goals in life, including the goal to turn my personal development business into a full-time career. I will visualize the scenario with full mental clarity, as if it is happening in the now. When I do that, it’s like a clear connection is formed with my inner desires. The motivational energy suddenly surges through very readily and I channel this energy into my daily life and actions.

3. Gives You Laser Focus

Goals give you a single focal point to place your attention in. Whereas your purpose gives you a broad, directional focus to move your life in, goals gives you laser focus on what exactly to spend your time and energy on. Think of your time, energy and efforts as input, and results as the output. A goal acts as your funnel which guides and channels those inputs effectively into your desired output.

When you don’t have goals, you are floating around every day. Your energy is randomly dispersed in ad-hoc activities which you engage on whimsical basis. These are activities that play no role in your larger scope of life, but you are not aware of because you are just living life as it is. You end up mislabeling a lot of ‘nice-to-do’ activities as important. You might also be engaging in these ‘nice-to-do’ activities because you can’t think of a better way to spend your time. Do you find yourself surfing and chatting excessively? Busy running errands? Play a lot of games? Spend the bulk of your time being a workaholic? Spend the remaining time lazing and/or partying away? What’s your objective for doing them? What end output does it lead to? Is that the top priority in your life?

You may have a broad idea of what you want to do. But until you clearly articulate it out as specific goals, you are not channeling your efforts properly. You will often find yourself getting sidetracked because you don’t have goals to rein you in. It’s really quite easy to get swept away by the currents of everyday life, simply because there are so many stimulus out there in our environment. You may get the general overall impression that you are moving in the direction, but it is just an illusion that you are having. With no goals, you have no focus. Without this focus, your input is strewn around randomly to give you garbage output. That is, if you even get any semblance of an output at all.

4. Makes You Accountable

Having goals makes you accountable. Rather than just talking about what you want all the time and not do anything concrete about them, you are now obligated to take action. Setting a specific goal gives you clarity on whether you are living up against what you committed yourself to do when you first set your goal.

This accountability is accountability to yourself, not anyone else. This accountability is what you hold up to when you choose the healthy salad over that piece of fried chicken. It is what you answer to when you spent that hour working on your report rather than random web surfing. When you stay accountable towards your goals, you are in fact staying true to your desires (see point 1 above).

For my blog, one of the goals I set is the number of articles which I want to post every month. When I set such targets in place, I become accountable towards delivering against it. If I find myself falling short, I will take the necessary actions to turn the situation around. I examine how I have been spending my time and start prioritizing across my daily tasks. I cut out the Quadrant 4 tasks (time wasters) or activities that bear little to no relation to my goals. From this, I have reduced considerable time on my biggest time wasters, including chatting, random web surfing, constantly checking my mail/web stats, certain outings which are not as important compared to my writing goal.

5. Be The Best You Can Be

Goals help you achieve your highest potential. Without goals, you subject yourself to the natural, default set of actions that keep you feel safe and comfortable every day. But this familiarity is the nemesis of growth. It prevents you from growing. It does not enable you to become the best person you can be. It denies you from tapping into all that potential inside of you.

By setting goals, you set targets to strive against. These targets make you venture into new places, new contexts, new situations which puts you into growth mode. They make you stretch beyond your normal self and reach new heights. For example, setting a time limit for your run lets you know if you should be running faster. Setting a weight loss target makes you aware if your actions have been effective in losing weight. Setting a career goal ensures you are not settling for anything less than what you desire.

In my goal achievement processes, I have found myself constantly bursting through new grounds and uncovering potential which I did not know existed before. Without those goals, I would be taking the path of least resistance, just doing things within their natural constraints. Goals have made me face and overcome countless barriers to get to what’s on the other side. It has made me much more self aware and learn a lot more things about both myself and life, compared to if I did not have those goals.

6. Live Your Best Life

Goals ensure you get the best out of life, for two reasons.

Firstly, by becoming a better person, your new found knowledge and abilities let you experience more out of the same life events compared to the previous you. Think about how your worldview is different now vs the you 10 years ago. Do you see life with much more clarity, depth and perspective today than you were in the past? What may be a simple daily occurrence in the past holds a lot more meaning to the more highly evolved you today.

Secondly, time passes in our life, whether we want to or not. Goals with specific measures and deadlines ensure we are maximizing our output and experiences during our time here. If you have already discovered your life purpose, your goals will ensure you get the best out of your purpose.

Imagine you are driving a car. When you identify your purpose, you get clarity on the direction to travel in. However, without specifying an exact destination and time frame, there is no yardstick to benchmark your progress against. It wouldn’t make a difference whether you are whizzing at an amazing 140km/hour or a paltry 10km/hour since you never set a target. Goals ensure you are maximizing your life for all that it can offer you.

Start Setting Goals

Ask yourself this – What are my goals for the upcoming 1 year, 3 years, 5, 10 years?

If you are to take some time out to set your goals now, I can guarantee you that you will definitely experience more growth as a person. By just spending a few minutes to articulate some aspirations that have been in your mind, you will experience more progress in your life a year from now than compared to if you don’t.


Reference: Celestine Chua, Zig Ziglar

Monday, September 27, 2010

Top mistakes investors make

One way to have more money is not to lose what you already own, through bad investments. According to CFA institute, here are the fastest ways to lose money through investment: -

1. Buying investments without first establishing an investment strategy.

2. Investing in individual stocks instead of creating a diversified portfolio of securities.

3. Investing in stocks instead of in companies.

4. Buying high – performance chasing.

5. People sell low.

6. Unrealistic expectations.

7. Churning their investments.

8. Acting on tips and sound bites.

9. Pay too much in fees and commissions.

10. Engage in decision-making by tax avoidance.

11. Neglectful of their investment

12. Don’t know their real tolerance for risk.

If you are investing, make sure you do not make this common mistakes.

Source: Personal Money Tips

Friday, August 13, 2010

理財的“五個一”工程


1、一生恪守量入為出

拳王泰森從20歲開始打拳,到40歲時掙了將近4億美元,但他花錢無度,別墅有100多個房間,幾十輛跑車,養老虎當寵物,結果到2004年底,他破產的時候還欠了國家稅務局1000萬美元。如果你不是含著金鑰匙出生,享受應該是40歲以後的事,年輕時必須付出、拚搏,老來窮才是最苦的事情。

2、不要夢想一夜暴富

天上沒有餡餅,天上有甚麼?雨、雪、沙塵暴,偶爾會掉下一個花盆甚麼的,一定不會有餡餅掉下,中國有句俗話“財不進急門”。

一年40至50%賺利機會不可信,要想想別人的動機,聽起來過於完美的東西往往不是真的。很多中了彩票頭獎的人10年後還是貧困,因為買大房子、買車,鑽出幾十個窮親戚。

當別人給你貌似很好的投資機會時,問自己六個問題:
1、誰在賣我東西,對方的信譽如何?
2、我的錢用甚麼去了?
3、我賺的是甚麼錢,盈利模式。
4、收益率合理嗎?年收益1至5%低,5至8%中等,8%以上高。
5、如果我不投資了,賣得出去嗎?
6、如果賣不出去,可以自用嗎?

六個問題如果有兩個以上有疑問,就不大可信。

3、不要讓債務纏住一生

房奴、車奴、卡奴。月還款應該在收入的30%以下,50%會非常難受。想好你是否具備財務能力再買房,沒能力買房就是房奴。

車奴更甚,車子是持續消費。日本富翁每天拎著飯盒坐公共交通。信用卡是財務鴉片。

改變生活要從小錢開始還,還卡--還車--還房--存錢--投資。

你永遠算不過銀行,擺脫財務要還本而不是還息

4、一夫一妻一個孩

結婚不是最大的財就是最大的債。所以不要輕易結婚與輕易離婚。

5、專心一項投資

中國有一句老話叫一招鮮,吃遍天,一生做好一件投資你就會過上美滿和幸福的生活,不是去賭。不熟不做,不懂不投,不要從眾。有些錢不是你的。

Reference:
星洲日報/投資致富‧財富教室‧2010.08.08

Wednesday, July 21, 2010

均衡發展5財富價值



每個人都希望擁有各種財富,亦對生命有很多假設,這些假設合起來就成為一般人所指的“價值體系”。筆者將人生財富的價值體系組合了5個價值戶頭,分別是知識物質(包括金錢)、健康人際關係心靈,真正擁有財富的人應該擁有這5個滿滿的價值戶頭。

人出生時這5個戶頭原是空的,隨著生命不斷成長,便按不同的速度增加價值。有些孩子在物質,甚至知識、健康等戶頭裡載得較滿;有些孩子則在人際關係或心靈戶頭上相對較滿。

當我們長大後,我們或會過份追求物質知識,當這兩個戶頭有所進賬,相對就忽略了健康、人際關係或心靈戶頭的增值,甚至會出現“價值轉移”的情況,漸漸減低其餘戶頭內裡的價值,那時候,我們便容易病倒,與人不和,甚至心靈上出現空虛的感覺,這是人生常見的現象。

所以在我們的生命中,時刻提醒自己努力尋找及發掘人生財富的寶藏在哪裡,儘量保持5個價值戶頭平均,當價值轉移的傾向不會呈現一面倒,我們才能擁有真正快樂

明白以上概念後,我們大體明白擁有金錢(物質)並非代表擁有真正財富。在生命中,仍有知識、健康、人際關係及心靈以外有價值的元素,同樣需要我們好好地珍惜及增值。

理財教育只是生命中多種價值教育的一部份,而非價值全部,若要生命中擁有真正的財富,我們就要好好持平看待這5個價值戶頭,令它們經常處於“常滿”的境界呢!

source:
星洲日報/投資致富 15/05/2010

Tuesday, July 20, 2010

有錢不等於富足


一般來說,孩子對事物的理解都較單純。如果金錢能換來他們想要的一切食物和玩具,金錢在他們心目中就奠定了重要的地位,以為有錢便擁有一切。

身為父母,如果不及時加以教導,孩子就會漸漸形成拜金主義的傾向,以為擁有了錢,就等於擁有整個世界。事實上,金錢遠遠不能賦予人擁有想要的一切,有錢並不等於富足!

那麼,甚麼才是真正的富足呢?答案很簡單,內心的富足才是真正的富足。

若果一個人擁有金錢,不一定擁有幸福、健康和快樂。相反地,有些人雖然金錢不多,但一生卻感到富足。在日常生活中,我們可以通過一些簡單的方式,讓孩子認識甚麼才是真正的富足。

心靈富足才是真正富足

名牌與父母,你選哪一個?當孩子對別人的名牌衣物心生羨慕時,我們可以這樣說:“他的衣服確是很漂亮,但是如果要你在有漂亮衣服穿和有爸媽終日相伴之間作選擇,你會選擇哪一個?”相信很多孩子很自然會選擇後者。

以生活例證說明心靈的富足,才是真正的富足。當發生災難事件,在有人需要幫助的時候,可鼓勵孩子伸出雙手,獻出一分力量。1元不算少,100萬元也不算多,只要是發自內心的捐助,就是一份無人能及的力量。

透過參與捐助,孩子獲得內心的快慰,往往比物質給予的更強烈及持久。因為這種快樂已提昇到心靈滿足的境界,這是人類生命中奇妙獨特之處。

金錢的價值只是一種觀念,當觀念轉變,我們才會明白“有錢不等於富足”的道理。可是在這個追求物質的年代,人們事事向錢看,又何來空間去反思真正價值,是否真要等到山窮水盡時,才體會到這個大道理,那時候可能已太遲了!

source:
星洲日報/投資致富 19/07/2010