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5/17晚間，戰戰兢兢的上台做我的第2個演講，但是看到台下一臉茫然讓我有點被打擊到.....

下次我會再選有趣一點的主題啦~總不能真的叫我當場跳舞吧~我一定要趕快脫離春季大會跳舞的形象喔~

Topic:「10項讓你無法致富的原因」

I am very confused how to be rich for a long time. It’s the save way to me to put all of my money in the bank. But I can’t be rich just depend on my salary. The higher the risk, the higher the reward. Invest something just like a gamble to me. And I’m afraid to get wiped clean. So I still don’t know how to handle my money and invest.

     「wow! It’s just like me. I am the one whom they are talking about.」One day I heard a very interested topic from radio. “Ten reasons to cause you can’t be rich.” I made a note for that. And now please follow my step to check which mistake that you made before.  

Step 1：Low Risky

   Sometimes we’re so conservative to risk losing our money. Because we’ll consider about the benefits or just not sure about the product that we really want. The perfect time always miss when we consider about such questions. Don’t miss the boat. If you can’t make decide on time I’ll suggest you to put a part of your salary to funds. It can push you not only save money but also earn money.

Step 2：Save Money

     It’s so strange. Why I spent so much money every month? Where is the money? Do you have this question on your common day? I do often. I even don’t remember which thing I bought. Because it all unnecessary. Ask yourself at least three times when you want to buy something next time “Do I really need it?” It can help you avoid wasting money. And please save money every month even just NT100. That’ll be a good habit to you.

Step 3：Credit Card

     Do you remember a major issue about the cash card debtor before? Now day every one all own a credit card or cash card. It seems as if the purchase is free, because they don’t have to pay on time. So they keep shopping until they get the bill. In that time people who can only pay the minimum balance on their credit card debt every month in Taiwan. It’s best to take only one card with you. And pay cash while you buy something. Don’t operating on a shoestring all the time. You have to change your spending habit. Personal credit is very important. Don’t break it.

Step 4：To pay by installments

     The businessman is very smart in Taiwan. People can buy everything by installment payments. No matte how expensive the product coast. If you want you can gain it. So we always spend money for on products which is not useful. Be careful don’t west your money all the time.

Step 5：The ratio of Salary

     When I earn little I save little, yet when I earn more I still save little. Why? So strange, ha~ because when you earn little you’ll remind yourself don’t spend too much. But you’ll forget to control yourself when you earn more. You may buy lots of things are all unnecessary. Because you think you can afford to pay. Don’t forget to manage money. It can help you to save money and keep the unnecessary things away. 

Step 6：Too confident

     This is opposite of conservative. In some cases investors are too confident so they’ll decide to risk everything on a single venture. Sometimes they win but most of time they lose. You have to separate your accounts are more appropriate to invest. To know risk analysis is necessary, don’t put all your eggs in one basket.

Step 7：Afraid to face the mistake

     If you have two stocks that one is losing money and the other one is making money. Which one that you’ll sell out? Lots of people they’ll sell out the stock which one is making money. And they’ll close their eyes to the other one. Because they’ll believe they can turn death into life, but sometimes they all disappointed. Why do you punish the stock that can make money for you? You have to face the mistake and learn when is the time to sell out the product you invest. That is a tip to earn money.

Step 8：The information is unconcerned with details.

     You have to use the correct information to check the product that you want to invest. Don’t trust the information is unconcerned with details. Ex：The economy of the U.S. can't  stand fo r stock market.

Step 9：Follow someone’s step

     Some body earn money by invest something. You want to copy him or her success without work hard by yourself. Do you really think it work out when you follow some one’s step? Of course not. That is only west your money and time. Information is really important but you have to learn how to figure which information is advantageous to you.

Step 10：Action speak louder than words.

     Don’t just sit there without taking any action. Don’t hesitate anymore. Try to earn real money by yourself even though you have failed. You still can gain experience to make you success next time. So just do it and keep trying to make dream come true.

     Which mistake you made you’ll probably right now make in future? You can’t think it’s no concern of you. If you want to become rich and are willing to invest your time and money, this is a financial program that helps you invest on funds and stocks to earn more money. 

So don’t think anymore try to earn real income on your investment. If you are bold, you may lose; if you are not bold, you will lose. Just like Mark Twain said:「Twenty years from now you will be more disappointed by the things that you didn’t do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. And Discover.」Let’s get the show on the road.