How to become a millionaire? Secrets of Millionaires

That is why the biography of millionaires is different from "poor". Many of them since childhood passed school of millionaires who have become life itself. Millionaire familiar incidents and failures, but, nevertheless, they are not afraid to take risks. Each of them has their own secrets millionaire.

According to the theory of Frank Glebermana, a certified financial planner and head of the centenary of the profits in California, people who have made millions on their property, are more aggressive in investing than those millionaires whose money they got a legacy. This biography of millionaires today so different.

Often, the millionaire who made the capital of "own hands" can be classified as a modest and thrifty people who know what they are doing. After all, they, in the words of F. Glebermana, believed every dollar vigilantly monitor the growth of income and capital multiplied. "The one who has made himself more cheerful and knows that traffic and the multiplication of funds need to take risks.

Those who received money inherited more focus on their preservation, "- he says. Millionaires have many supporters. No, those are not the people who abandon you as soon as your funds run out. Millionaires surround yourself with people who believe in them and support their ideas.

"Most of the people in his immediate environment keeps people like mites, glaring up. These people do not believe in the success of the chief, and pessimistic - commented Boris Kozlov. - You do not have to give up such a relationship to be a leader, but you need those in the future will move forward. " At least millionaires fans.

You agree that every girl in my life just to make a wish - I want a millionaire. But not everyone is destined to become his wife. Millionaires know that they could start all over again. Such people perceive the work as something that is only a part of this life, and they do not doubt in your ability to earn money.

"Almost all of the millionaires with whom I worked, failed in his first case, and then returned, and at the second attempt they all went well", - says Dmitry Gottfecht. "One of the financial personality types called me" Master of money. "

People whom I refer to this type, told me that in case of loss of their means, they would not have to worry especially because immediately would start their business again, "- said Kathleen Gurney. According to her, an ordinary entrepreneur refers to a different type. His is to create, save, and occasionally something remodel.

These are people who also love their job, but the overall state of their business like working in "difficult times" on the verge of retirement. News that he became a millionaire or a resident of the planet are constantly full of in the press. And none of us can predict in advance that ever become a millionaire neighbor.

Millionaires Internet Millionaires and Moscow - is a completely different people, but they are similar in their ability, to think like a millionaire. "Forbes" magazine for the first time in 12 years has changed the principles of admission of people to the list. From now on, the ranks of "Forbes 200 *" will be able to enter only the 200 most energetic and worthy business world.

Fair millionaires in the journal every year virtually unchanged. The exhibition of millionaires, their status and the nature of activities every year joined more and more new names. The times when the world-famous section of the magazine got the drug lords and just "sitting" in their capital, took place.

The list just rich people also will be tracked, but the publicity these names do not get as opposed to the exhibition of millionaires. Even the first new "series" was very revealing - is excluded from the list of a lot of family clans who do not participate in the development of their business.

P.S. In the magazine "Forbes" recently appeared on the news last ball of millionaires in the Crocus City, where they were chosen king and queen of the ball - crocus millionaire and his charming companion.

How to become millionaires

Most "new" millionaires It does state in the most traditional, and not necessarily the most prestigious industries. Business premises cleaning. Repair of buildings. Men at work. Veterinary Medicine. Taxi and passenger transportation. Such people are not necessarily expensive dress and driving around in luxury cars.

And sometimes it is simply bad, unless treated disregard to what you think of your employees. And, finally, representatives of the public really professions - lawyers or athletes - up in the group secured a minority of Americans.

By the way, the people leading the business on their own account for the total number of working Americans 20%. But among American millionaires who work independently, what is called, rolled up their sleeves - more than two-thirds!

Interestingly, but, apparently, the Americans are particularly successful in the first generation. They are not inclined to spend on prestigious products as much as native Americans. And much more think about a secure old age.

In the US, 12% of the owners of the companies included in the list of five hundred of the most successful companies of the magazine "Inc." (incidentally, the same publication for small and medium businesses) are the first generation of Americans, ie. e. were born outside the United States. In addition, the authors found that in families of millionaires (and 95% of them are married) wife, as a rule, too - cheap.

As one of the millionaires, "I can not force his wife to spend money!" One of the conclusions: millionaires become the head of the family, where there is not only a strict family budget, but also maintained tight control of costs.

And two-thirds of millionaires said that when planning their financial future, "spend a lot of time."

About half of the wives of millionaires work. And here is the most popular profession - teacher. 97% of families own their own homes millionaires an average cost of 320,000 dollars (according to 1996).

20% of American millionaires never attended university, 6% have a doctorate, 8% - the formation of a lawyer, 6% - medical education. Incidentally, among the organizers of the auction in the US 35% - the millionaires.

Maybe the point is that it auctioneers are often faced with someone who was once rich, but went bankrupt and had to sell property? The Seven Habits of Millionaires. Neighbor of every ordinary person may not be less than the ordinary millionaire. As much as it may look unpresentable.

Seven rules.

Here are seven key habits of American millionaires, exposed Thomas Stanley and William Danko of the study:

· Living expenses must not exceed the level of income;

· Be efficient use of time, energy and resources to achieve greater well-being;

· Financial independence is more important than a demonstration of the high social status;

· Become millionaires without the help of their parents;

· Children of millionaires are economically independent of them;

· Millionaires skillfully used the possibility of a market economy;

· They choose the right activities.

Ethnography.

Perhaps the most interesting part of the research devoted to the analysis of the composition of the millionaires on such criteria as the "country of origin". It is clear that in most cases proved a mixed ethnic origin, so that the answers are more reduced to identity, showing themselves millionaires look at its origin, and not the actual genealogy.

Incidentally, this is why in the United States nearly 20% of households consider themselves natives of Germany and only 10% - from Britain (without Ireland and Scotland), although this is nothing more than a tradition, passed on from generation to generation. Immigrants from Russia account for only 6% of the total number of American millionaires.

But more than 22% of them have become millionaires (remember that the average percentage of millionaires in the USA 3, 5%, t. E., On average come from Russia six times more likely to become millionaires than Americans). This is the highest rate among all ethnic groups in the United States.

Of course, there is need to do a lot of reservations, beginning at least with the fact that the data presented in the book, dated 1997. But be that as it may, people from Russia got the best results.

This demonstrates the high level of entrepreneurial spirit, and perhaps talking about the need for more active cooperation ethnic homeland with those who live abroad and falls into the category of millionaires.

And finally, all statements to the effect that the Russians do not know how to do business on the background of such statistics look ridiculous.

Do not spend and invest!

American millionaires live relatively modestly. But how, then, they are using their money? The answer is simple. Instead of spending money on themselves, people who have become millionaires invest.

On average, each year an American millionaire invests about 20% of their income. 79% of millionaires has an account on at least one brokerage firm. At the same time, more than 20% of the wealth of American millionaires due to the shares of their companies.

In terms of American millionaires have so much money that they can, without changing their habits, to live 12 years without working. However, more than two thirds of millionaires hard at work - 45 to 55 hours a week.

However, the millionaires not only invest, but, of course, receive the income from the investment. Thus, the average income for a family is half the 131,000 dollars in (the average) of the total wealth in the 1, 6 million dollars.

But let us return for a moment to the ethnic features. As shown by research by Stanley and Danko, the most economical and effective are the Scots. Judge for yourself. Income 60% of families of millionaires, leading descended from the Scots, is less than $ 100 000 a year. This is the lowest level of income for all ethnic groups of millionaires.

But if such incomes Scots become millionaires? The fact is that the typical "Scottish" family with an annual income of 100,000 dollars a year living as well as the average American family with an income of 85,000 dollars.

But investing "Scots" with a household income of 100 000 the same as American families with an income of 150 thousand. Simply put, it is the successful investments made wealthy Scots.

The conclusion that we do already without prompting researchers habits of American millionaires, is as follows.

When Russian people with the money will start en masse to understand that money does not need to spend and invest in the country will begin an investment boom. And those who will be ready for it, will be able to made their fortunes in the service of the boom.

The book is brought to life by this article, called "millionaire next door". And this is no accident. After all, the study authors found that the millionaires in the United States do not live marginalized groups. And do not look particularly rich.

This means that each neighbor, the average American may not be less than the ordinary millionaire. As much as it may look unpresentable.