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May 28, 2014

Suze Orman's 10 Money Tips For The 20 Something




Suze Orman's 10 Money Tips For The 20 Something

By StyleCaster | Financially Fit – Wed, Dec 1, 2010


Take Suze Orman's advice and put away the tiny violins - the future really isn't that bleak!

OK as a 23-year-old, who only graduated from college a mere year and a half ago, I know a thing or two about how hard it can be to enter the dreaded "real world." Our parents may think they're able to commiserate - we've all heard the "honey, we've all been there" speech before - but our generation is in a very unique situation. Starting a career in what people are calling 'the worst economy since The Great Depression' is no small task. It's even been projected that we're going to be the first generation not to earn more than our parents over our lifetime.

But before you go crying about your unfortunate luck, Suze Orman has some great (albeit stern) tips for us twenty-somethings. I may have felt like crying after my conversation with the tough money guru (she scared me sh*tless), but I came away with some great financial advice. Luckily for you, I'm going to share the wealth (so to speak).

Below in Suze Orman's own words, tips for the derelict kids our age to not fall into financial ruin:

Suze's Tip # 1: Make those that you're dependent on for a paycheck, dependent on you!
The first thing you have to realize is that even though it's a horrific time for people your age [20-somethings], this is a time that many of you can use to your advantage. You come in before the boss, stay after he is gone, come in on Saturdays - make them dependent on you and you will grow! You have to get people's attention and establish yourself!

Suze's Tip # 2: You have to make sure your bills are almost nil.

It's not the time for you to go out and rent your own apartment; it's the time you suck it up and live with four or five other people. I know someone who started out with a job at Kenneth Cole for $28K a year and lived with four other people in a tiny apartment. She just turned 30 - she's now making high in the six figures and just got a quarter million dollar bonus. Do you know how? She sucked it up and made sacrifices in her twenties. If you say you can't, you never will. Get off your pity pot because you won't get anywhere by crying. If that means moving back in with your parents, do it! I had to live in my van - so you can't complain!


Suze's Tip # 3: Only Losers Eat Out Every Meal!

I fly private and I bring my lunch! No one works harder than me, and I never eat out! Working hard is not an excuse! Make your food and bring it to work with you. If you want to be a loser forever and continue to waste money, then fine by me. Stop giving yourself excuses. You'll never enjoy life if you continue to waste money.

When I first became a stock broker, all the other stock brokers would go out to fancy lunches everyday. On the other hand, I went to taco bell, had two tacos and a diet coke and it cost me $2 a day. That's how I got to go out and still be OK.

Suze's Tip # 4 : You don't need to spend a fortune on designer clothes.

Honest to God, the amount of money they [young people] waste on designer clothes is the worst habit I've seen! Having to have the Jimmy Choos or $700 purse is ridiculous. Do you think anyone even cares?

Suze's Tip # 5: Clubbing is a huge waste of money.

The amount of money spent on clubbing is absolutely amazing! Go to each other's houses and have a great time in your home. You can buy a bottle of vodka for what it costs for one drink at a club. I mean $90 in one night? That's the amount of money needed to fund your Roth IRA every month.


Suze's Tip # 6: It's not about being so specific with how you divide up your salary.


It's hard to divide your salary into set percentages these days - salaries are just so low right now. If all you're making is $1000 per month, it's almost impossible to divide up, but all of you know when you're spending too much! It's not about being so specific, but if your rent is taking up 80% of your spending, then you're in big trouble.

The first thing you should do with your money is spend every extra dollar you have to get out of credit card debt, saving an 8-month emergency fund.

Suze's Tip # 7 : It's not about cutting everything out; it's about cutting a little bit off of everything.

Don't try to give up all your favorite things at once. If you go cold turkey, you will explode. Just cut down! You can indulge, but indulging doesn't mean every day. I mean come on! Do you really have to have Starbucks every day? Can you go clubbing twice a month instead of every weekend? Pick the things you really love to do and just do them twice a month.

Suze's Tip # 8: Start saving now!

The best thing you could do is to have a Roth IRA. You can withdraw any money you put into it at any time, without any taxes or penalties. That's where you should get money from, not your 401K or pension plans. You should be investing in individual stocks that pay a high dividend yield.

Suze's Tip # 9: Credit Card Debt isn't necessarily bad.

The thing is that credit card debt isn't bad,but if your interest rate is at 30% that's bad - actually horrific! A 1% to 2% interest rate is ok. If the debt is because you're trying to make your mark and make your way in the world, then I don't have a problem with that. If you have debt because of clubbing, excessive shopping and weekend trips to Tahoe, then you're an idiot - that's the debt that will do you in.

If you have a good FICO score, that's the most important thing. Most creditors determine whether they are going to lend to you based on your FICO score, not your credit score. You wont be able to rent, buy or do anything in life without a good FICO score.

 Suze's Tip # 10: Credit Unions are better than banks.

You should open a card at a credit union and do a balance transfer from any existing credit cards. Go to creditcardconnection.org to find out if your card is a good one. Be on time with payments - you really have to make it a priority.

When it comes to financial advice, Suze Orman is the most recognized expert in the industry. Along with being a two-time Emmy Award winner and New York Time's Best Seller, Orman was also named one of Forbes 100 Most Powerful Women of 2010. To read more of Suze's tips, make sure to read her book, 'The Money Book for the Young, Broke & Fabulous' and check out her latest site, 'Money Minded Moms'.

https://shine.yahoo.com/financially-fit/suze-ormans-10-money-tips-for-the-20-something-2415847.html

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Suze Orman's 10 Tips for a Fresh Financial Start


1. No Blame, No Shame

The foundation of a financial fresh start actually has nothing to do with money or specific financial dos and don'ts. The first, and most difficult, step is to absolve yourself and your spouse or partner of any guilt. So you need to make a promise to me. I need you to agree that the past is past, and we are going to focus on the future. Whatever mistakes you feel you have made with money, whatever moves you wish you had or hadn't made, are irrelevant. We are free to move forward only when we remove the emotional shackles of regret. This cleansing step is especially important for couples. You are in this together, so no finger-pointing or arguing about any past decisions. Do we have a deal? Deep breath, everyone. Exhale. Now you are ready to put your financial house in order.

2. Take a Snapshot of Your Finances

It's impossible to map out a route to your destination if you don't know where you're starting from. So let's take a "before" picture of your finances. You've heard me say this a million times, but I want you to open every single financial statement—bank, credit card, mortgage, 401(k), brokerage account—and take a look. Only when you have everything in front of you can you set priorities about what to do next. If you're vexed by your checking account (you swear you should have more money; you can never figure out why your checks bounce), start fresh by opening a new one. Leave enough in your existing account to cover any checks that haven't yet been processed, then transfer the rest to the new account and close the old one. Next, sign up for online banking. It should be free, and as long as you use your home computer, it's also safe. The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.

3. Adopt a Foolproof Credit Card Strategy

Make this the year you tackle that credit card debt once and for all. Doing so will make you and your family stronger and happier—forever. What happens to the stock market and the housing market is completely beyond your control. Credit card debt, however, is completely within your control. Every time you pay off a card with a 15 percent interest rate, you get a 15 percent return on your money.

See if you can qualify for a balance transfer card that offers a low or 0 percent introductory interest rate for the first six to 12 months. If you can get a good deal, move your high-rate debt to that new card. Do not use the card for any new charges, and push yourself hard to pay off the balance as soon as possible. If you don't qualify, no worries. Always pay the minimum due on each card, on time, every month. Whenever possible, send in some extra money on the card that charges the highest interest rate. Your goal is to get the costliest balance paid off first. When the first card is cleared, direct your payments to the card with the next highest interest rate. Keep doing this until you've zeroed out the balances on all your cards.

4. Try Harder to Save

When I suggest that people send in more money to pay off credit card balances or increase the amount they save each month for retirement, I hear the same sad story: "Oh, Suze, I would if I could, but I can't because there's no extra money left at the end of the month." I beg to differ. There's no money left because you haven't evaluated your spending habits. You need to dig deep and be willing to change those habits; to set goals and use those goals as the motivation for lifestyle changes that will allow you to save and invest. Take a clear-eyed look at your credit card statements for the past six months. Can you really tell me that there isn't at least $50 or $100 showing up that you could easily do without? I didn't think so. I call this "hidden money," and here's how you can find it.

I challenge you to reduce every one of your monthly utility bills by 10 percent. Change your calling plan or get rid of the landline account unless you absolutely need it. I bet you can seriously trim your utilities by spending one afternoon increasing your home's energy efficiency: Attach a draft-blocking guard to the bottom of any external doors; add caulk or weatherproofing material around drafty windows; put low-flow aerators on your shower heads and faucets; and replace burned-out bulbs with compact fluorescent energy savers (they're pricier than conventional bulbs but last much longer, saving you money over the long term).

Cars are another great place to save. Plan on driving yours for at least seven to ten years (regular tune-ups will help keep it running longer). Consider buying a used or certified pre-owned car rather than a brand new one. If you get a three-year loan, you have plenty of life left in your car, and money that once went to car payments is freed up for other financial needs. And please, avoid leasing. Since you don't own the car, you never have a time when you are driving your car free and clear. Also, raising your deductible or designating one car to be used for low-mileage driving (under 15,000 miles a year) can reduce your insurance premiums by 15 percent or more.

5. Separate Savings from Investments

Now we're ready to move on to how you put your money to work for you and your family. There is a vitally important difference between money you need to save and money you need to invest, yet it's a distinction many people don't grasp. Money you know you need or want to spend in the next few years is savings. Money you keep handy for an emergency belongs in savings. Money you hope to use soon for a down payment on a house belongs in savings. And all savings belong in a low-risk bank savings account or money market account. The goal is to keep your money safe so that when you go to use it, it will be there.

Money you won't need to use for at least seven years is money for investing. The goal here is to have your account grow over time to help you finance a distant goal, such as building a retirement fund. Since your goal is in the future, money for investing belongs in stocks. As I'll explain later, the potential inflation-beating returns that only stocks can deliver make them the right choice for a successful long-term investment strategy.

6. Know Your Credit Score

The big takeaway from the meltdown of 2008 is that banks are going to be a lot less eager to lend money to you. You will need a sparkling financial personality: a FICO score above 700, solid verifiable income, a manageable amount of existing debt—to get good offers for credit cards, auto loans, mortgages and refinancings. And you can expect lenders to continue to tighten the screws on your existing credit lines; all the credit they loved to give you before 2008 now makes them nervous. Get your credit score by going to MyFico.com. If your score is below 700, two of the best ways to improve it are to pay your bills on time and push yourself to reduce your credit card balances.

7. Evaluate Your Retirement Plan


If your 401(k) and Roth IRA lost value in 2008, that's a good sign. It means you were invested in stocks, and that's exactly where you should be invested—assuming your retirement is at least a decade away. Only stocks offer the chance of high returns that outpace the annual 3 to 4 percent inflation rate. In your 20s and 30s, aim to keep 80 percent in stocks and just 20 percent in bonds; you have time to ride out stock swings. As you age, slowly ramp up the percentage in bonds; in your 50s and 60s, consider keeping 40 percent or more in bonds to help buoy your portfolio when stocks are slumping. The biggest mistake you can make is to stop investing in your retirement accounts or to shift money from stocks into "safe" money market accounts.

Instead of worrying that your account is down, remember that your money buys more shares of your retirement funds. The more shares you own now, the more you will make when the market recovers. Buy and hold is the way to go.

8. Diversify Your Assests

Try to reduce any company stock you own in your 401(k) to less than 10 percent of your total retirement assets. Just ask employees of Enron, Bear Stearns, Merrill Lynch and Washington Mutual how smart it was to make big bets on their own stock. Mutual funds and exchange-traded funds (ETFs) are ideal for retirement savings because they own dozens of stocks in their portfolios.

If you're flummoxed by all the investing options in your 401(k), look for a "target retirement" or "life cycle" fund. Then pick the specific portfolio that dovetails with your expected retirement age and you're all set; you will be invested in a mix of stock and bond funds appropriate for your age. You can also invest your Roth IRA in these types of funds; Fidelity, T. Rowe Price, and Vanguard all offer these one-and-done options.

9. Don't Obsess Over Your Home's Value

If you own a house and can afford the mortgage, consider yourself lucky. Try to love your home for what it is: a haven for you and your family, not a path to riches. Unless you bought at the height of the market in a super-popular region that has gone Ice Age–cold, you're going to be fine. And even if you did buy at the peak, if you plan on staying put for five to 10 years, the real estate market will recover with time. But let's be clear: A home is not an investment that will fund your retirement or vacations. The 10 or 20 percent annual gains during the housing boom were temporary insanity. Buy a house you can really afford, and over time it will rise in value. But its main value is as a home. Period.

If you got caught buying into the housing bubble and are now in mortgage trouble, talk to the lender about your options. Don't raid your retirement accounts to keep up with the payments. What happens when the retirement accounts run dry? You still won't be able to cover the mortgage, and you will have lost all your future security.

Here's some perspective: The 2008 market slide is the tenth bear market (commonly accepted as a decline of at least 20 percent) since 1950. If you'd put your money in stocks in 1950 and stayed invested through the ups and downs, your average annual return through 2007 would have been more than 10 percent. That's not to say you can count on an average of 10 percent over the next 50 or so years (7 to 8 percent is probably more realistic), but it illustrates how keeping focused on the long term pays off.

10. Protect Your Family—and Your Nest Egg

If there is anyone dependent on your income—parents, children, relatives—you need life insurance. For the vast majority of us, term life insurance is all we need, because it protects you for the "term" of the policy (from five to 30 years) and is incredibly inexpensive. As always, it's important to buy a policy from a firm with a strong financial rating, but even if an insurance company runs into trouble, your state insurance department has funds set aside to help protect you. I also want you to get your estate papers in order. You should have a living revocable trust (this document spells out how your assets should be distributed) with an incapacity clause, as well as a will. Also, have an "advance medical directive" in place that tells your doctors the type of care you want if you become unable to speak for yourself.

Finally, every family should have an emergency savings account that can cover at least eight months of living expenses. And I also want every woman to have her own personal savings account that could support her for at least three months, because you never know. The best place for your savings is an FDIC-insured bank (or a credit union backed by the National Credit Union Share Insurance Fund). If you keep less than $100,000 at an FDIC bank, no matter what happens to the bank, the Federal Deposit Insurance Corporation (part of the U.S. government) will make sure you get every penny back. Online banks that are FDIC insured are just as safe as the bank downtown. (Please note: The emergency federal legislation passed last October increased the FDIC insurance limit to $250,000 through December 2009. But to be extra safe, keep no more than $100,000 in any single bank.)

Feel better? Follow these steps and no matter what the future brings, you will be in control of your financial destiny. And there's nothing more valuable.

Suze Orman's latest book is The Money Class: How to Stand in Your Truth and Create the Future You Deserve (Spiegel & Grau).


From the January 2009 issue of O, The Oprah Magazine
http://www.oprah.com/money/Suze-Ormans-10-Tips-for-a-Fresh-Financial-Start
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Suze Orman: Advisor or Pitchman?

by Scott Bilker
Scott Bilker     Scott Bilker is the founder of DebtSmart.com and author of the best-selling books, Talk Your Way Out of Credit Card Debt, Credit Card and Debt Management, and How to be more Credit Card and Debt Smart. Receive the 5-Year Loan Spreadsheet when you subscribe to his email newsletter.
Suze Orman Advisor or Pitchman


Financial counselor Suze Orman just came out with her own prepaid debit card called the Approved Card.

It is a MasterCard that you can use in retail stores to make purchases, but only up to the amount you have deposited onto the card. It is promoted as an easier, smarter way to be debt-free. Upfront she touts that it costs “only $3 a month if you use it how I tell you to.”

The card’s homepage goes on to tout nine benefits of the card including “free Transunion credit score, reports, and monitoring”, “safer than cash”, and “teach your teens financial responsibility.”

A closer look at the fee structure reveals some costly provisions besides the $3 monthly maintenance fee.

*MOUSE PRINT:

    CARD PURCHASE FEE — $3
    ATM WITHDRAWAL FEE — $2 (if you do not have direct deposit)
    OVER-THE-COUNTER CASH WITHDRAWAL — $2

While these fees are less than other competing prepaid cards, this whole genre of card is set up to cost you money rather than save you money.

Making a deposit via direct deposit or transferring money from your checking account electronically to the car is free. (But would someone really put their entire paycheck or social security check onto a prepaid card every month? And if you already have a checking account, might not a regular debit card or ATM card be offered by your bank for free?

*MOUSE PRINT:

Conspicuously missing from their fee list is the cost to deposit money onto your card at an ATM or in person at a store.

Apparently you can only add money at locations that support either Moneygram or Western Union payments. The cost, they say, is typically $3.00 – $4.95. Whatta deal.

Here is another surprise.

*MOUSE PRINT:

If you only read the headlines about the free TransUnion credit score, report and credit monitoring benefit, you may miss the fact that the service is only free for the first year. After that, if you want to keep it, it is $143.40 a year.

Lastly, Suze proudly proclaims:

*MOUSE PRINT:

As she admits in smaller print, debit card purchase information is not part of anyone’s credit report and does not affect your credit score. She merely has a desire to see whether providing card use and purchase behavior to Trans Union will be considered in the future as a predictor of creditworthiness. Put another way, Suze has put a clever spin on the fact that she is sharing your purchase history with an outside company.

Prepaid cards have become popular as moneymakers for issuers particularly since they fall through the cracks of federal reform legislation that covers conventional credit and debit cards. If you must have a prepaid card for some reason, a better choice is the virtually fee-free American Express prepaid card. There is no monthly maintenance fee. In fact the only stated fee is $2 for ATM withdrawals after your first free one each month. Depositing money at a retail location incurs the same approximately $4.95 charge as does the Approved Card.


- See more at: http://www.debtsmart.com/2012/08/07/suze-orman-advisor-or-pitchman/#sthash.jf74Zy5Y.dpuf
http://www.mouseprint.org/2012/01/16/suze-orman-advisor-or-pitchman/

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《時代雜誌》全球百大最有影響力人物——蘇西歐曼
曾被理專賠光財富的理財天后

莊 芳

蘇西歐曼連續兩年入選《時代雜誌》全球百大最具影響力人物。

兩度獲得美國電視界最高榮譽——「艾美獎」,並有著「個人理財權威」的封號。原本,她只是月領400美元的女服務生,在經歷各種人生波折後,現在終於成為知名理財作家,以及炙手可熱的電視節目主持人。蘇西歐曼,一個憑著熱情、努力不懈的成功故事,值得學習。

星期六晚上,住在美國波士頓的蜜雪兒,在看完CNBC頻道的「蘇西歐曼秀」(Suze Orman's Show)節目以後,立即將皮夾內所有的信用卡剪掉,並將電腦中儲存的線上商店網址一一刪除。

讓她下定決心改變自己消費習慣的理由,是因該電視節目主持人蘇西歐曼(Suze Orman)不只一次在節目中瞪大了眼睛、凶巴巴地說:「只要一直使用信用卡,去購買根本負擔不起的東西,我們就會持續活在謊言之中!」「所以說,不准買、不准買、不准買!你聽見了沒有?」

在美國《時代雜誌》全球百大影響力人物當中,她是惟一入選的個人理財專家,大概也是最潑辣剽悍的一位了。今年五月,《時代雜誌》將蘇西歐曼選為二○○九年百大影響力人物,事實上,這位「潑婦」已經連續兩年獲得這項頭銜。而不久之前,《時代雜誌》還特別給了蘇西歐曼一個響亮的稱號:「風暴中的女王」(Queen of the Crisis)。

■風暴中的女王/在危機中喊出理財真理

這個稱號十分貼切,在這場百年難得一見的金融風暴裡,美國人發現蘇西歐曼不是譁眾取寵的罵街潑婦。她所罵出的每一句話,原來都是千真萬確、而又容易讓人忽略的理財真理。

蘇西歐曼不但讓美國人每周乖乖坐在電視機前聽她說話,她總共出版了九本關於財務自由、理財致富的書籍,幾乎每一本都登上《紐約時報》暢銷書排行榜;《今日美國》稱之為全球個人理財的權威,先前在美國公共廣播公司(PBS)主持的理財節目,更讓她兩度贏得美國電視界最高榮譽——艾美獎。如今,她的一場演講要價高達八萬美元,但邀約仍然不斷。

■想圓餐廳夢/當月入四百美元的服務生

其實,蘇西歐曼並非從小就立志做個理財專家,她最早的夢想是開一家屬於自己的餐廳。大學畢業後,她就去應徵餐廳女服務生的工作,只不過,那時她的每月收入僅有四百美元(現約新台幣一萬三千元),做了六年,始終存不到開餐廳圓夢的第一桶金。直到某一天,她與一位餐廳熟客聊起自己的夢想與無奈,事情才有了轉機。

隔日,這位蘇西歐曼的老顧客,給了她五萬美元的支票,還附上一張字條寫著:十年內還清,即可免利息。熱情的熟客不但給了蘇西歐曼第一桶金,也給她「用錢滾錢」的建議,「到美林(Merrill Lynch)開戶,把錢全部交理財專員投資吧!」蘇西歐曼聽進去了。

走進美林,理財專員開心迎客,蘇西歐曼告訴理專,自己只是一名女服務生,每月薪水不高,而且這筆錢是借來的,一定要放在較為安全的地方,說完,理專請她在文件上簽字。當時的蘇西歐曼,壓根不曉得這個簽名動作會帶來多大的風險。這位理專竟然將她的資金全部投入高風險的投機工具——選擇權。

起初,蘇西歐曼還真的賺了大錢,她選好餐廳的地點,找好了負責裝潢的公司,一切就像是唾手可得。結果,不到三個月時間,市場出現大逆轉,所有的資金全在一夕間化為烏有。「我知道我虧了一大筆錢,而且,以我每月四百美元的薪資,根本沒有辦法還清債務!」

■被理專賠錢/決定自己進美林做理專

但是,蘇西歐曼換了一個角度想:「連那位賠光我錢的人都可做理財顧問了,我為什麼不行?」就在她經歷大賺又大賠以後,發現做這行才有機會賺到大錢!她開始認真鑽研投資市場,每周閱讀《華爾街日報》和《霸榮周刊》,了解市場最新訊息,還將股票與選擇權價格走勢圖貼滿了整個房間牆壁。

這樣天馬行空的想法與積極的行動力,最後成為蘇西歐曼生命中重要的轉折點。即使只有伊利諾大學社工系畢業的學歷,和幾年在餐廳做女服務生的資歷,她還是大膽地再度走進美林,這一回,她不是來開戶,而是應徵股票經紀人的業務工作。從此,走進了與過去完全不同的人生。

雖然總是感到格格不入,但蘇西歐曼說,自己每一天都抱著感恩的心情,「我的天呀!這真是不可思議,我竟然不用一輩子做服務生的工作!」

尤其是在準備美國政府規定金融人員必備的從業執照考試時,讓她有了意外的發現。其中讀到一條必須「了解客戶」(Know Your Customers)的規定,也就是說,理專不可在客戶無法負擔的情況下,將客戶的資金做投機性或是風險性的投資。這時,蘇西歐曼才知道,之前讓她慘賠的那位理專,完全違反了這項規定,而這是可以告發、可以求償的。

■守護人們財富/成專家與菜籃族的綜合體

那時,她才進入美林三個月,就毅然決定對自家人提出告訴。最後,美林將最初她所投資的五萬美元,另外還附帶利息全數償還給她,並在訓練課程結束後繼續留聘。

「我當時想,假使這件事是發生在我的父母親、或是其他年長者身上,那該怎麼辦?他們年紀太大,已經沒有時間再賺回這些錢了!」正因為這些想法浮現在蘇西歐曼的腦中,讓她決定要做人們的金錢守護者(protector of people's money),這樣的自我期許,一方面讓她快速累積投資理財專業知識,另一方面,卻也讓她忠實保留者「永遠從客戶需求開始思考」的初衷,並且對於充斥著金錢謊言的金融市場,總是敢於揭露真相。

逐漸的,有別於一般的理財顧問,蘇西歐曼成了「專家」與「菜籃族」的綜合體,總能最深切的體認客戶需求,並且用最市井的口吻辭彙,提出專業的理財建議,而這正是她在一九八七年自行創業,走上理財天后之路的最大優勢。

■克服自身障礙/成為邀約不斷的理財天后

成為美國家喻戶曉的人物,蘇西歐曼以前的老同事大多感到意外;就連她自己,也對自己的生涯轉折感到驚訝不已。「我不是聰明人,從小也不太會讀書,大學成績從沒拿過C以上,一直對人生沒有太多期待,幾乎可說是不知未來何去何從……。」

所以,當有機會來臨,蘇西歐曼就會毫不考慮地緊緊抓住,每天思考怎麼將事情做好。「直到現在,我都還是全力以赴、不敢懈怠,每天工作至少十七個小時以上。」採訪當日,和記者訪談時間是訂在上午十點,但蘇西歐曼早在六點就用完早餐、準備會議,討論目前發展的產品、電視節目流程等等,接著抽空寫好了專欄文章,才接受訪問。

就像她曾在自傳中寫到,從小有語言障礙的問題,對於特定字母無法清楚發音。但如今她卻可以當CNBC的節目主持人,用標準咬字傳達她的正確金錢觀念。「其實若是仔細聽我說話,就可發現我總是特別用力地,將一個字、一個字念清楚。」她說,知道問題出在哪裡後,事情就簡單多了,「克服它,就像我克服我的先天語言障礙一樣,很難,但總有成功的一天。」...



■《今周刊》647期
http://news.sina.com.tw/magazine/article/2350-3.html

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個人理財專家:我為什麼不能成為理財顧問   

  在美國《時代》雜志全球百大影響力人物當中,她是惟一入選的個人理財專家,並被賦予“危機女王”(Queen of the Crisis)的稱號。

  從月入400美元的女服務員到如今的知名理財天後,蘇西•歐曼演繹著一個執著、堅持不懈的財富故事。

  “Suze,我想克隆我的狗。”Tom打進電話。

  “你說什麼?”Suze瞪大眼睛,重複問了一遍問題。

  “我想去韓國克隆我的狗,這要花費10萬美元,我想知道我是否能負擔得起?”

  “沒有債務?沒有信用卡欠款?克隆費用全部用現金支付?”沉吟片刻,Suze開始詢問Tom的財務狀況。

  Tom,45歲,他與妻子月收入1.5萬美元,他們有個30年期、利率5.25%的20萬美元房屋貸款,目前房屋價值100萬美元(已擁有產權)。除此之外,他們還有15萬美元的儲蓄和30萬美元的退休金,以及從投資公司得到的現金分紅。

  雖然很驚訝“花費10萬美元去克隆一條年邁(9歲)的老狗”的想法,但是,不可否認,Tom擁有這樣的支付能力,Suze最終給出了“通過”的建議,盡管不如以往那麼痛快,那麼斬釘截鐵。

  這是發生在美國CNBC著名節目“The Suze Orman Show”的尋常一幕。形形色色的美國人把他們五花八門的消費夢想和Suze分享,有人想購置人工草坪、有人想擁有Gucci手袋、有的則夢想收藏油畫,更甚至有的是只要100多美元的周末出游,他們都會問Suze的看法。Suze總是問:“告訴我你打算怎麼支付?”有的回答用信用卡,有的說用存款,有的準備給房子再做一次按揭。Suze一般按照具體的財務狀況以及當事人的工作經歷和歲數,斬釘截鐵地給出判斷,“你通過了!享受去吧!”“你被拒絕了!趕緊存錢吧!”

  這個主宰美國消費者夢想的女人是誰?她為何能控制別人的消費?

   你有信用卡債嗎

  留著精幹短發,快人快語的Suze Orman(蘇西•歐曼)是美國CNBC電視台的節目主持人、連續六屆的《紐約時報》暢銷書作家、美國人的全民理財顧問,於2008年被《時代》雜志選為全世界最有影響力的人物之一。2009年5月,58歲的她再度獲此殊榮,與她同登榜單的還有在中國家喻戶曉的阿里巴巴董事會主席馬雲。與其他人或經商、或從政的身份不同,她是惟一入選的個人理財專家。

  能連續兩年以理財專家的身份入選,與當前美國的經濟形勢不無關系。

  在深受金融海嘯打擊的美國,越來越多的人重新陷入投資問題的困惑中,媒體上充滿了各種投資理財小建議,告誡人們如何在困難時期勒緊腰帶度過難關。而金融危機使得CNBC已經開辦了8年的“The Suze Orman Show”節目異常火爆,人們不得不頻繁求助於蘇西•歐曼。

  她的特長是幫助深陷債務危機的人如何擺脫債務,告訴他們什麼是能做的,什麼是不能做的。紐約的麥可先生說,他就是聆聽蘇西•歐曼的勸告才得以脫離債務險境的。

  在“The Suze Orman Show”節目中,美國全國各地的人給她打電話。大部分來求助的人不僅存款少,而且還欠著至少幾千美元的信用卡債務,但他們還是有這樣那樣的購買慾望。

  金融危機出現後,聰明的蘇西意識到她的節目會更受歡迎,於是不斷地“鼓吹”危機的嚴重性,“美國1929年大衰退的時候人們在街頭排隊領麵包的情景也不遠了”。當然,與時局相應,她現在更經常拒絕觀眾的消費夢想了。

  有一期節目中,一個男人打電話說,他從小的夢想就是買一輛保時捷跑車,但他妻子說如果蘇西說行,就可以買。“你說的這輛車大概要10萬美元,現在你告訴我你的財務狀況,有沒有信用卡債?”蘇西開始了例行詢問,這個男人也開始列舉家庭存款、每月收入,以及去除各種支出之後的剩餘、信用卡債務、房子按揭狀況等等。夫妻倆每月收入超過10000美元,每個月都有剩餘。但房子已經被按揭了兩次(用已還房貸部分再融資)。

  蘇西沉思片刻,然後抬起頭,手臂一揮,像法官一樣重重地把手中的小錘錘在桌上。“你被拒絕了!”然後繼續快人快語,“雖然你的收入很高,但你還是把每月剩餘的錢還房貸吧。”

   存錢是百分百的理財美德

  要儲蓄,不要消費?是的,這個強悍的女人就是這樣與美國主流消費觀點唱反調。從1995年開始,蘇西•歐曼就不斷勸說美國人必須改變借錢消費的習慣,以強悍作風著稱的她不只一次在節目中瞪大眼睛、凶巴巴地咆哮:“只要一直使用信用卡,去購買根本負擔不起的東西,我們就會持續活在謊言之中!”“所以說,不准買、不准買、不准買!聽到沒有?”

  “我在美國已經告誡大家好多年,‘千萬不要消費一分一毫那些你所沒有的錢!’過去總有人不讓我說,要我盡量叫人們花錢,才能讓經濟持續成長,結果現在呢?在我看來,想要經濟持續成長,還是得要建立在人們能對自己的消費負起責任才行。”蘇西•歐曼說。

  年輕時的蘇西也曾有過負債纍纍的慘痛經歷:“那時剛開始工作,根本不懂得金錢管理,背了一堆卡債,坦白說,那段日子很丟臉。”後來進入金融業工作,賺的錢越來越多,蘇西才終於將債務全部還清。有了這樣的教訓,蘇西才意識到儲蓄的作用,“存錢是百分百的理財美德”。

  貌似保守的投資原則源自於蘇西一直所強調的“為你所愛的人負責”,要為他們安排好你的一切,這一原則也體現在她對建立“八個月緊急備用金”的執著上。不管作何種投資,都應該要先準備好八個月的緊急備用金。之所以一直強調這筆備用資金,其實就是讓每個人即使有一天突然失去生活來源,還有存款足以支付至少八個月的日常開支與房貸。“尤其現在環境不景氣,依我看大概得花上八個月左右才有辦法找到下一份工作吧”!

  購房置地是中國地主老財們慣用的投資方法,卻也是蘇西一直認同的觀點,她認為房地產是最棒的投資工具,“假使你有足夠的金錢支付房屋首付,又有額外的八個月緊急備用金,那我強烈地建議你,不管現在房市情況如何,買下屬於自己的房子就對了!這可能會是你這輩子最好的投資!”

   我為什麼不能成為理財顧問

  大學畢業後,蘇西找到了一份餐廳服務員的工作,她最早的夢想是開一家屬於自己的餐廳,只不過,那時她每月收入僅400美元,做了6年,始終存不到開餐廳圓夢的第一桶金。幾個老主顧知道了蘇西的情況後,伸出了援助之手,他們湊足了5萬美元借給蘇西,還附上一張字條寫著:十年內還清,即可免除利息。熱情的老主顧不但給了蘇西•歐曼第一桶金,也給她“用錢滾錢”的建議,蘇西聽從了他們“把錢交給美林,由專業理財顧問打理”的建議。這成為蘇西•歐曼人生中的重大轉折。

  盡管蘇西一直強調她的投資“安全最重要”,但美林的理財顧問還是將蘇西的資金全部投入到蘇西完全不懂的高風險投機工具──期權。

  起初,她收到了頗為豐厚的回報,但不到3個月的時間,市場出現大逆轉,她所有的資金都化為了烏有。“我知道我虧了一大筆錢,而且,以我每月400美元的收入,根本沒有辦法還清債務!”但這件事也促成蘇西思考問題的另外一個角度,“連那個賠光我錢的人都可以做理財顧問,我為什麼不行?”她開始認真鑽研投資市場,學習投資知識,而後,她再度走進美林,這一次,她是來應聘証券經紀人的工作。

  面試那天,蘇西刻意打扮得花枝招展,讓嚴謹的美林証券的投資專家相顧莞爾。不過,他們還是看中了蘇西身上的寶貴潛質,決定為她提供這個寶貴的機會。從此以後,蘇西開始了投資顧問的職業生涯。

  進入美林3個月,在準備美國政府規定金融人員必備的從業執照考試時,蘇西讀到了一條 “了解客戶”(Know Your Customers)的規定,也就是說,理財顧問不能在客戶無法負擔的情況下,將客戶的資金做投機性或是風險性投資。這時,蘇西•歐曼才知道,之前讓她慘賠的那位經紀人,完全違反了這項規定,而這是可以告發、可以求償的,於是,她決定對美林提起訴訟。經過調查,美林支持了她的看法,並彌補了她賬戶裡的虧損。

  在美林工作3年多以後,蘇西跳槽到了保德信証券擔任投資副總裁。1987年,她建立了蘇西•歐曼財務集團,著手打造自己的財富和事業。

  記者手記:原來理財節目可以這樣做!

  在美國,Suze Orman大受歡迎,聲望甚至超過很多明星。在遙遠的中國,人們觀看Suze Orman節目的途徑依然很單一,但這並不妨礙大批中國“Fans”的追隨。展恆理財的閆振傑便是其中一位,“我家裏安裝衛星電視後收看的第一個節目就是‘The Suze Orman Show’,這讓我大開眼界:原來理財節目可以這麼做!”身為理財公司的老總,他一直在考慮的是,面對中國龐大的理財市場,如何轉變傳統理財節目的做法,改說教為互動,讓更多的人對理財感興趣,無疑,Suze給了他啟發。

  217885億元!全年GDP的72%!這是讓所有美國人都驚詫不已的數據──2008年中國人的人民幣儲蓄存款額,正是喜歡存錢的“優良”傳統使得中國人及中國的銀行在這次金融危機中受衝擊較小,也是這龐大的存款數額造就了理財市場巨大的潛力空間。根據麥肯錫全球研究所的估計,到2010年,中國理財市場的規模將達1.1萬億美元,更有數據顯示,未來10年裡,中國個人理財市場將以年均30%的速度高速增長。

  如何切分誘人的蛋糕?各路人馬摩拳擦掌。“中國理財市場尚處於培育期,各媒體、節目還處在群雄混戰的階段,與國外的理財節目相比,我們還是偏說教、偏宏觀多一些,這也是難以激起投資者興趣的一個原因。”閆振傑一直試圖改變當前理財節目中專家、學者們正襟危坐談論國內外宏觀形勢的模式,這也是他對Suze及其節目倍加推崇的重要原因,他希望能借鑒Suze的運作方式,為中國的投資者提供形式多樣、實用便捷的理財建議。現在,他正在跟電視台進行合作,嘗試按照這樣的方式來運作理財節目,“推出我們中國自己的Suze Orman以及Suze Orman Show。”


http://magazine.sina.com/bg/commercialage/200912/20090618/110013378.html



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《穩健理財》


穩健理財
 理財不光是平衡開支或投資而已-很多人都知道自己應該怎麼樣理財,然而卻遲遲裹足不前,在眾多的個人理財書籍中,除了教我們正確的理財知識外,還賦予我們力量去破除障礙、勇敢行動的,這是有史以來第一本。

蘇西˙歐曼者除了告訴我們理財的點點滴滴以外,更盡一步探討金錢對生活的心理層面與精神層面有什麼力量。在有效掌控財物以前,我們必須先了解我們對金錢的態度,早年的生活經驗所塑造的、面對金錢的感覺。排除掉這些焦慮,建立新的態度是蘇西˙歐曼所規劃的第一步驟。
作者簡介
 蘇西˙歐曼女士以美林證券的投資顧問一值展開其理財顧問的生涯,後來曾任保德信公司的投資副總裁。除了是合格的財務規劃師外,並領有投資顧問的執照,目 前領導他們自己的財務規劃公司。歐曼曾應邀參加PBS得特別節目「財務自由時間」,還有「今日」、「歐普拉脫口秀」、「NBC夜線新聞」、「視 野」,CNNCNBC的節目。目前也為《自我》雜誌撰寫專欄。

穩健理財-目錄導覽說明


  • 來自各界的感謝
    導論 從心做起
    序言 邁向財物自由的九個步驟
    你要錢作什麼?
    步驟一:了解過去對未來財物的影響
    步驟二:正視恐懼,建立新的信念
    步驟三:誠實面對自己
    步驟四:對所愛的人負責
    步驟五:尊重你自己和你的錢
    步驟六:相信自己
    步驟七:敞開自己接受所有屬於你的東西
    步驟八:明瞭財富循環的起起落落
    步驟九:認識真正的財富


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