consejos kiyosaki

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25 Consejos para lograr la independencia financiera

25 Consejos para lograr la independencia financiera Si algo nos enseñó la última recesión económica, es que cada uno es responsable de su propio bienestar financiero. Y además, puesto que la tasa de desempleo es superior a lo que a todos nos gustaría, muchas personas llegaron a la conclusión de que un empleo de 9 a 17 h. en una empresa no ofrece a su futuro más seguridad que invertir en un plan de jubilación 401(k). Hay muchas personas que ven al ámbito empresarial como el camino hacia la verdadera seguridad financiera. Pese a que los riesgos son muchos, también son muchas las recompensas. Por eso, si usted está pensando en dar el siguiente gran paso en su vida o si ya depende de sí mismo, le ofrecemos 25 consejos que le ayudarán a mejorar sus probabilidades de éxito. 1. Haga lo que le gusta.  Si usted no siente pasión por su propio negocio, ¿quién la sentirá? Sentir una gran devoción por lo que hace le ayudará durante esas largas noches de trabajo, y el gran esfuerzo que realice pasará rapidamente y le traerá más satisfacción y gozo que cualquier trabajo de 9 a 17 h. 2. Sueñe en grande. Establecer un negocio exitoso requiere un gran esfuerzo. Pero hay un secreto muy poco conocido: seguramente se requiera tanto tiempo y esfuerzo para establecer un negocio pequeño como uno grande. Permítase soñar en grande. 3. Aplique sus puntos fuertes. Nadie es bueno en todo, y usted será mejor en algo que otras personas. Identifique sus puntos fuertes y aprovéchelos. 4. Sea persistente… y exible.  A menudo, si usted no hace que las cosas se hagan realidad, nadie lo hará. Sin embargo, a veces nos concentramos demasiado en “nuestra solución” y, en el proceso, nos cerramos a posibilidades y oportunidades mejores. Siga adelante, pero quítese la venda de los ojos. 5. Reúna al equipo correcto. Una de las decisiones empresariales más fundamentales consiste en saber a quien permitirá incorporarse a su equipo. Aunque sienta la tentación de contratar a un clon de sí mismo. Si sigua el Consejo N° 3, sabrá cuáles son sus puntos débiles y contratará a la persona necesaria. 6. Cultive el talento.  Una vez que haya incorporado a las personas correctas, comenzará el verdadero trabajo. Conozca a su gente a fondo y no solo su currículum.  Ayude a su personal a fortalecerse. Ofrézcales los recursos, la autoridad y los medios para lograr sus objetivos exitosamente, y actúe como mentor conforme a sus necesidades. 7. Genere una cultura de responsabilidad.  Al principio, usted solo tendrá que responder a sí mismo. Así que aprenda a asumir y mantener sus compromisos. Si aprende a hacerse responsable, usted podrá incorporar esta característica en el  ADN de su empresa. 8. Manténgase conectado a su producto. Si no tiene cuidado, el vacio entre usted y su producto aumentará a medida que la e mpresa crece. Haga el esfuerzo consciente de mantener su vínculo con el producto. Esto le proporcionará conocimientos relevantes sobre el producto y los clientes, y le ayudará a distinguir las buenas ideas de las malas.

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25 Consejos para lograr la independencia financiera

9. Sepa distinguir transformación de transacción.  Puede tratar la relación con los clientes como algo perteneciente al ámbito de las transacciones (nosotros le damos esto y usted nos da aquello) o puede generar relaciones transformativas en las que usted complazca las necesidades del cliente en lugar de simplemente reaccionar ante estas. Esto servirá para ganarse su lealtad. Y dicho esto… 10. Sepa cuándo despedir a sus clientes. No todos los clientes son iguales. A veces lo que se obtiene en retorno no justifica el esfuerzo que se hace para mantener contento a alguien. Aprenda a distinguir esto y manténgase dispuesto a dejar ir a esas personas. 11. Equivóquese rápido y a menudo. Aprenda rápido de sus errores. Con frecuencia, esto incluye admitir que se equivocó. Pese a que admitirlo es difícil, cuanto antes lo haga y pase al Plan B (o al Plan C o D, llegado el caso), mas rápidamente descubrirá qué es lo que funciona y que no. Y hoy en dia, la rapidez es importante. 12. No confunda perfeccionismo con estándares altos. Nadie estará más interesado en su empresa que usted mismo. Querrá que todo vaya bien. No permita que su búsqueda de algo ideal siembre confución y no le deje ver lo que ya es suficiente. No saque al mercado productos que no sirven, pero tampoco retrase el lanzamiento de su producto por buscar eternamente “un detalle más” que se le haya escapado. 13. Entregue el liderazgo. No piense que toda decisión tiene que pasar por usted. Cuando entregue el liderazgo a personas expertas e n un área determinada, verá que su poder aumentará a medida que esas personas encuentren la motivación para presentarle las mejores y más brillantes ideas. 14. La ganacia a largo plazo siempre supera a las ganancias a corto plazo. Cuando dé los primeros pasos con su empresa, siempre lo tentará la posibilidad de aprovechar todas las situaciones que prometan un incrementorápido de dinero. Sin embargo, si usted hace esto a costa de la sostenibilidad de su modelo empresarial, en poco tiempo descubrirá que perdió la empresa. 15. Haga planes para todo.  Planifique todo lo que hará, desde su visión en los proximos 5 años hasta lo que hará mañana entre las 9 a.m. y las 10 a.m. Tener un plan le permitirá elegir la mejor opción entre lo que tenga planeado y lo que surja. Si no hay un plan, terminará reaccionando a cada cosa que le pase por delante, sin importar su valor. 16. Asuma la venta. Tal vez no tenga tanta confianza en su producto como debería. Quizás dude si el cliente puede costearlo. O posiblemente no quiera parecer agresivo. Simplemente asuma y pida la venta y luego deje de preguntar. 17. Establezca su propia red. Piense en quiénes serán necesarios para el éxito de su empresa y vaya en busca de esas personas. Recuerde que una red de trabajo debería proporcionar beneficios mutuos. Sepa lo que tendrá que ofrecer a cambio. 18. Promociónese a sí mismo. Si usted no lo hace, ¿quién lo hará? 19. Invierta en sí mismo. Cuando dedica todas sus energías a su empresa, es muy frecuente que uno se olvide de su desarrollo personal. Pero si usted no invierte en sí mismo, se estará aislando de las nuevas ideas, de las nuevas metodologías para mejorar y de las oportunidades para crecer como persona. Si comienza a estancarse, su empresa también se estancará en poco tiempo.

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© 2012 Professional Education Institute

25 Consejos para lograr la independencia financiera

20. Conviértase en un experto.  Las personas deberían pensar en usted cuando piensen en [coloque aquí el nombre de su producto]. Identifíquese como experto en esa área. Utilice los medios de comunicación sociales. Preséntese como invitado en los programas matutinos de radio. Su pasión y conocimientos resplandecerán como un faro, y las personas tomarán nota de lo que usted diga. 21. Diseñe un lugar de trabajo para alcanzar el éxito.  Cuando uno disfruta de su lugar de trabajo, quiere pasar el tiempo ahí. Cuando su medio ambiente le provoca estrés, siempre encuentra otra cosa que hacer o se va tan pronto como puede. Incluso si trabaja desde su casa, asegúrese de diseñar un área atrayente desde la que lleva a cabo su trabajo. Si logra esto, su productividad y enfoque mejorarán. 22. Tómese un descanso.  Este punto puede ser difícil de implementar, especialmente cuando usted es la empresa. Pero aunque ese sea el caso, disponga de tiempo para desconectarse del trabajo. Esto le ayudará a volver al trabajo con la cabeza despejada y un enfoque renovado. Tómese un descanso aunque sea por un par de horas. 23. Manténgase enfocado y no deje las cosas por terminar.  Por lo general, los empresarios son fuentes de energía creativa. Pese a que esto suele ser útil para evitar que las cosas queden estáticas y ponerlas en marcha, también puede llevar a un cementerio de buenas intenciones y proyectos inconclusos. Enfóquese en el proyecto más inmediato y participe en él hasta su implementación, o encárgueselo a alguien que lo pueda hacer. 24. Aumente sus habilidades. Ser un empresario lo obliga a cumplir varias funciones distintas. Pese a que no es necesario que sea un experto en todo, debe contar con un amplio abanico de conocimientos. Invertir en sus habilidades y aumentarlas lo ayudará a ser un mejor líder, a tomar decisiones más informadas y a brindar respaldo a los empleados. 25. Rompa las reglas. Ninguno de estos consejos está escrito en piedra. Si usted se convirtió en empresario, es porque no quería que nadie le diga lo que tiene que hacer. Aunque cada uno de estos consejos tiene su lugar, si todos siguieran las reglas todo el tiempo no existirían las personas como Steve Jobs ni Robert Kiyosaki.

 Y eso es todo. Veinticinco consejos para lograr la independencia financiera. Tómelos e incorpórelos. Decida cuál es la mejor manera de aplicar cada uno de ellos en su búsqueda del éxito empresarial. Descubrirá que comenzará a comprenderlos y apreciarlos más y más con solo hacer algo muy simple: ¡usarlos! Vayan y concreten grandes cosas. Para alcanzar el éxito, contamos con un equipo de coaches de Rich Dad que le ayudarán a aplicar estos consejos y así convertir sus sueños en realidad. Para saber cómo trabajar de con un coach acreditado de Rich Dad, simplemente haga clic aquí , o bien llame al 800-240-0434 ext. 2295. 2295. ¡Hágalo ahora y podrá recibir 6 meses de coaching gratuito!

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© 2012 Professional Education Institute

5 Keys  To Increase Your Wealth in 2012

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5 Keys to Increase Your Wealth in 2012

5 Keys to Increase Your Wealth in 2012 While the pundits may differ on what the future of real estate holds, you can make 2012 one of your best investing years by simply understanding and practicing a few key principles. Whether you are a seasoned investor or just starting out, applying the ideas discussed in this article can give you a distinct advantage this year and in the years to come.

Key #1 – Understand Your Market’s Economy  The real estate bubble “burst” over five years ago, but we’re still feeling its effects today. While the Nation’s poor economic health has created problems we all share, local areas also have their own economies. Understanding the local economy and how it influences the real estate market is essential to your success. What is the economic climate for the areas in which you are investing? For example, a recent look at the seasonally adjusted unemployment rates for each of the states sees a swing of more than 9%. In other words, while things are tough, they’re not tough all over. What is the job market like in your area? Are people having a hard time making ends meet and needing to find affordable housing? Or, have people weathered the storm and are now ready to get back into home ownership? From unemployment to the amount of foreclosure activity, the circumstances across the country can be as different as night and day. Your job is to understand your market’s economy in detail and conclude why it is what it is. Only by understanding the economy in your market will you be able to understand why things are the way they are and have a plan in place to capitalize on it.

Key #2 – Recognize Influencers If Key #1 is looking back at what has happened and what is, then Key #2 is looking forward and predicting what will be. Identifying influencers that affect your market positively or negatively coupled with your economic research can help you see opportunities before others do. While store closings have made the headlines in the past, the truth is many businesses are poised to expand in 2012. New shopping centers can be extremely attractive to home buyers. Finding these new developments is often as simple as taking a different route to your regular destinations and taking note of what you see out the car window as you drive by. If you see signs of land being cleared, surveying or the beginnings of construction in and around major roadways, it is a pretty safe bet that a new influx is coming into the community. Any changes designed to handle increased traffic flow can tip you off to new developments, too. Widening traffic lanes and installing new traffic lights are  just a couple of telltale signs.

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5 Keys to Increase Your Wealth in 2012

 Also, getting to know those who work in the road and building departments for your city or county—or at the very least, attending city planning meetings —can make you aware of significant projects being proposed or scheduled to begin.

Key #3 – Know What Realistic Pricing Is Most real estate agents will tell you one of the biggest frustrations they face is people thinking their home is worth more than it actually is. Perhaps it is people not wanting to come to grips with the equity lost in the downturn or just being naive. Whatever the case may be, it doesn’t matter. You need to know what a realistic price is for 2012. Not what their home appraised at a few years ago, when they took out a second mortgage, but what it is today.  As you begin, you’ll want to be sure that you are comparing “apples to apples.” In other words, year built, square footage, number of bedrooms, lot size, etc. Should all be comparable. Take special note if home prices are accelerating faster in one area than in others. What might be the cause for this? Is there anything from your research in Keys #1 or #2 that could provide a clue? Also, you will want to check the average home price in neighboring communities to see whether it is higher or lower. Doing so will provide you an idea of where the biggest demand is.  The more you study pricing, the quicker you’ll be able to recognize a bargain or when a seller has lost touch with reality. Realtors and real estate agents are a terrific source for pricing trends given their access to the Multiple Listing Service (MLS). Also, the Internet and local newspapers can be helpful in your search.

Key #4 – Determine an After-Repair Value  All your efforts to determine a realistic price for your market will be for naught if you pay a price that causes you to lose money once everything is said and done. You need to know what a reasonable offer for the seller is while still allowing yourself to create an acceptable return for your time and effort. This amount will be your Maximum Allowable Offer (MAO). If the seller cannot meet you at or below the MAO, then the deal does not make sense and you should walk away.

 A simple formula to determine your MAO price is found below:  ARV  (After Repair Value or market value) (20% Profit and 10% for Closing & Holding Costs) x .7 - RCE (Repair Cost Estimate) = MAO (Maximum Allowable Offer to your seller)

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5 Keys to Increase Your Wealth in 2012

For example:   $100,000 x .7

(After Repair Value or market value) (20% Profit and 10% for Closing & Holding Costs)

= $70,000   -

$70,000 $5,000

= $65,000

(Repair Cost Estimate) (Maximum Allowable Offer to your seller)

When you determine the MAO, make your offer 3% - 5% below that to give yourself negotiating room. You never want to pay more than your MAO allows. The better your negotiation skills—your work with Keys #1-3 will help here—the more money you stand to make. However, don’t take advantage of the seller. Make sure they benefit from the transaction too. Doing so will build good word-of-mouth and a positive reputation.  A good rule of thumb to estimate repairs on a property is:

Bad = $10 per square foot. House needs cosmetic repairs; such as, kitchen or baths redone, flooring, paint, fixtures replaced, minor electrical or plumbing, minor landscape work.

Worse = $15 per square foot. House needs all of the above repairs plus major heating and air conditioning work or replacement, roof repair or replacement, major interior repairs, such as, walls & ceilings.

Worst = $20 per square foot. House needs all of the above repairs plus replacing windows, doors, siding, foundation or structural issues, major wood rot, re-wire, replumb, major landscaping. In older houses wiring may not be up to code or may use the old screw-in fuses instead of modern circuit breakers. Plumbing may be cast iron instead of copper. Cast iron plumbing will corrode over time and close itself off much like a blocked artery. If the property is less than 900 square feet add 50% more to your repair estimate because there is a limit to how far repair costs will drop due to size.

Key #5 – Use Tax Benefits to Your Advantage Over the last few years, the U.S. Government has gone to great lengths to help jump start the economy. By changing the tax code, the Government incentivises people to do what the Government thinks will help the economy grow. (We’ll save the debate on how well these incentives work for the upcoming Presidential election.) Because of these

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5 Keys to Increase Your Wealth in 2012

incentives, real estate investing can create tremendous tax advantages. In fact, even before the downturn, several provisions of the U.S. tax code were written with the specific purpose of encouraging real estate development and investing. Government legislators know that America needs an ever-expanding supply of decent and affordable housing, and that the government itself is poorly equipped to provide it.  You have to know how to play the game. You’ll need to hire a savvy tax accountant or other real estate investment advisors. They will introduce you to the concepts and calculations that you need to know to begin asking the right questions.

 The Bottom Line  As you can see, none of these keys are actually “new” in the truest sense of the word, but each of them has and will take on new meaning as the economy turns itself around.  And even if it doesn’t, you now have an arsenal of tools that will help you be profitable regardless of the ever-changing economy.

Special Offer: Work with a Rich Dad Coach in 2012 – and Receive 6 months of Coaching Absolutely Free! Discover the power of working with your own certified Rich Dad Coach to speed up your progress in 2012. As a special offer, Rich Dad Coaching is providing a bonus 6-month extension with every new coaching program. Receive your free introduction and 6 months free bonus offer by clicking here or by calling 1-800-240-0434 and mention extension 2095 to receive the special offer.

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© 2012 Professional Education Institute and CASHFLOW Technologies, Inc.

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5 Ways to Boost Your Financial Outlook 

5 Ways to Boost Your Financial Outlook

If you quit working today, how long could you sustain yourself and your family? How long would it take before all of your accounts dried up? A few months? A couple of weeks? A day? If you don’t know, you are not alone. Most people are in the dark when it comes to their finances and how they will get ahead. As a result, their financial outlook is far from optimistic and in some cases, it is downright grim.  Your financial outlook is largely determined by two things. The first is whether you have a financial plan—a way to get from point A to point B. The second is the strength of your financial plan—how effectively and efficiently the plan helps you make the journey. While some claim to have a “financial plan,” it is usually nothing more than hopes, wishes, and estimates stored in their head. That is not a plan at all. For those who do have a written plan, it is typically just a dollar amount they hope to have that will last them from retirement until they die. It is only a plan to survive instead of a plan to thrive. In this special report, we will share with you five ways to boost your financial outlook by fixing—or creating—a financial plan that can help you ge t control of your financial future and realize the life of your dreams.

Set or Re-evaluate Your Goals Most financial plans do not work because people do not put much thought into constructing the plan. People pick a number out of thin air; tie it to an investment vehicle, and think that is their plan. For example, they will say, “I want to have $2 million in my stock portfolio when I am 65.” Ask them how much they need to invest and at what the rate of return is in order to achieve that goal and they will tell you that they do not know. If you are serious about obtaining financial freedom, then you must set goals with clearly defined steps and milestones along the way. If you have not set your goals already, breakout the spreadsheets and the calculator and determine how much your ideal lifestyle will cost. Do you need $3,000 per month? $10,000 per month? $50,000 per month? Whatever you decide, that dollar amount is how much passive income you will need to generate. With a definitive dollar amount in mind, you are ready to begin identifying investment vehicles and assigning milestones to your plan. This is the difficult part and where most

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5 Ways to Boost Your Financial Outlook 

people give up. You will need to look at what you have or what you can leverage for investing, the needed rate of return, and what i nvestment vehicle would provide the desired rate. In other words, if you are hoping a $2,000 i nvestment in a mutual fund will yield a 40% return, you had better go back to the drawing board.

Application Questions • How much money do I want to have in 3 years? 5 years? 25 years? • What are realistic rates of returns for the investments that interest me? • Are there other investment vehicles I should be investigating? • What changes do I need to make in myself today to reach my goals?

Generate Passive Income Most people think they understand the difference between working hard for their money and having their money work hard for them, but the number of people still trapped in the rat race shows something different. Creating passive income is the ONLY way out of the rat race. Period. Most people think that monthly expenses hold them hostage to their jobs. They tell themselves, “I have bills to pay and mouths to feed. That is why I have to go to work.”  That is why the mantra of “live below your means” spewed by many financial gurus is so enticing to many people. They think that if they can keep their expenses down, then they can save more, which in turn will lead to freedom. Ask those people how much they would need to save to get out of the rat race and most will not have even thought that far. They are not even sure how much their scrimping and cost cutting is saving them. All they know is that that is what they were told to do. It is not your monthly expenses holding you hostage to your job, it is your way of thinking. All throughout school, teachers taught us to study hard, get good grades, and get a safe secure job—a job that provides earned income.  The rich understand that it is assets that make you financially free, not jobs. Assets are those items that put money in your pocket. Things like rental real estate with positive monthly cash flow. If you can begin thinking about covering your expenses and new purchases by buying assets instead of working more hours at your job, then you are on your way to financial freedom.

Application Questions • What are my total monthly expenses? • How much passive income do I need to get out of the rat race? • How can I begin generating passive income?

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5 Ways to Boost Your Financial Outlook 

Understand the Difference Between Good and Bad Debt Once you have your financial plan, the quickest way to derail it is to burden it with bad debt. You create bad debt anytime you purchase something on credit that does not create passive income for you. That brand new flat screen television? Bad debt. That week-long vacation? Bad debt. Rich Dad calls these doodads and they are all dead ends on the path to financial freedom. Now, this is not to say that you cannot have any fun. In fact, you should live the life you want. Just do not take on more bad debt to get it. You should be thinking instead about how to buy assets to fund the purchase of these items.  The great thing about this approach is that if you buy assets to fund your purchases, once you have paid for the purchase, you will still have the asset producing positive cash flow. If you acquire more and more assets, you will be well on your way to generating the passive income needed to reach the milestones you established when you set your goals.

Application Questions • How can I leverage debt into reaching my nancial objectives? • If I have already burdened my nancial statement with bad debt, what can I do to

help eliminate it?

Diversify Your Investments (the Right Way) Sit down with any financial planner and they will tell you to diversify. They will then go on to talk about small-cap and large-cap funds. They will explain why you will need funds that focus on this sector and a few from that sector. They will also encourage you to invest internationally too.  There is only one problem with this diversification strategy. It is not diversification! If you follow this advice, all you will do is spread your money across one investment vehicle. While it is better than investing 100% of your money is one company’s stock, this type of diversification strategy is the strategy of the poor and the middle-class. True diversification comes from investing across different investment vehicles. No one investment is free from risk. All have strengths and weaknesses, but if you only diversify within one asset class, you are exposing yourself completely to the weaknesses of that asset class.

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5 Ways to Boost Your Financial Outlook 

 The rich understand that true diversification comes from investing in real estate, commodities, businesses, and paper assets. They understand how each market affects the other. They know when to get in and when to get out. They can move their money from the asset classes that might be struggling at the moment to one that is poised for huge gains.

Application Questions • Of my current investment portfolio, what percentage have I invested in paper assets?

In real estate? In commodities? In business(es)? • How well do I understand the strengths and weaknesses of each asset class? What

can I do to better my understanding? • What investment vehicles are producing the highest returns presently?

Can I explain why?

Educate Yourself   The final way to fix your financial plan—as well as the first—is investing in your own financial education.  The problem is that most people have not received any financial education at all in their lives. The educational system does not teach people how to invest let alone where to invest. As a result, most people just hand their money over to someone who sounds like he knows what he is doing. Unfortunately, too many people pray on the naiveté of individuals and sell them a bill of goods that will not take them any closer to exiting the rat race. People with a financial education know what to look for and what questions to ask. By listening carefully to the words people use, they are able to discern whether someone has a poor or middle class mentality or whether he or she understands how the rich think about money. They also understand that part of the education process is surrounding themselves with team members like an accountant, real estate agent, or coach that can help them learn along the way.

Application Questions • What ways can I further my nancial education? • What team members do I need to surround myself with in order to further my nancial

education? Do these team members think like the rich? • How would I benet from having my own “rich dad” i n my life?

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5 Ways to Boost Your Financial Outlook 

The Bottom Line

 These five ways to fixing your financial plan will pay off instantly and in the years to come. With a solid financial plan, you will be on your way to achieving financial freedom. Remember to take the time to revisit and revise your financial plan on a regular basis, too. As you continue to educate yourself and gain experience from your investing, you will find that you may be able to accomplish more or achieve your dreams sooner by advancing your game. Consider your financial plan a living, breathing document that will evolve as you do too.

Special Offer: Increase your 2013 Cash Flow by Working with a certied Rich Dad Coach  – ACT NOW and Receive 6 months of Coaching Absolutely Free!

Discover the power of working one-on-one with your own certified Rich Dad Coach to help you invest smarter, build and protect your wealth, and create the cash flow you need to live the life you desire. Remember, Robert’s Rich Dad was his first coach and helped him become successful by teaching him how to make his money work for him, who’s helping you? Get your free introduction to Rich Dad Coaching and learn how a Rich Dad Coach can help you do the same. Call 1-800-240-0434 and mention extension 4782 to receive your FREE introduction

to Rich Dad Coaching and to get 6-months of FREE Coaching with any new program.

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