Monday, October 17, 2016

今日の出来事から 10月17日(月) 気温上昇と下落に注意!

 今日から3日間は夏日です、そして木曜日から急降下するみたいで、水曜日が87度、木曜日が69度ですから、約20度の気温差が出ます。体温調節に気を付けないと体調を崩すことになります。

 昨日のファルコンズは惜しかった。勝ったと思いましたが、最後の最後にやられて2点差とは悔しいのですが、善戦したと思います、でも勝たないと意味がない。

 どうやって1ミリオンを作るか? MSNに出ています、アメリカ式?
<p>Passion alone won’t make your first million. There’s no substitute for luck and flexibility. “Find something you are truly passionate about, become the authority and make a business out of it," said Joseph Carbone, wealth advisor at <a href="http://www.focusplanninggroup.net/">Focus Planning Group</a>. "Not only will you be happy, but you probably will be very successful.”</p><p>The Chipotle story illustrates this. After finishing culinary school in 1993, Chipotle founder Steve Ells was excited about starting a fine-dining restaurant. Lacking funds for the upscale place, he took a small loan from his father and opened his first Chipotle, to raise money for his exclusive restaurant. After selling 1,000 burritos in the first month, his passion for cooking veered from a high-end restaurant into a successful path to wealth, with the popular Chipotle Restaurants.</p><p>Furthermore, expect to fail along the way. Don’t be surprised if there are some bumps along the way before hitting that million-dollar idea.</p>好きなことを見つけてそこに走る
The Chipotle story illustrates this. After finishing culinary school in 1993, Chipotle founder Steve Ells was excited about starting a fine-dining restaurant. Lacking funds for the upscale place, he took a small loan from his father and opened his first Chipotle, to raise money for his exclusive restaurant. After selling 1,000 burritos in the first month, his passion for cooking veered from a high-end restaurant into a successful path to wealth, with the popular Chipotle Restaurants.
<p>Getting rich can be a matter of mathematics. It’s well documented that investing in the stock market over many years, reinvesting your dividends and letting that <a href="http://barbarafriedbergpersonalfinance.com/get-rich-while-you-sleep-with-the-magic-of-compounding-2/">money grow and compound</a> can make you a millionaire. But it's also a matter of knowing how much to invest, in what types of mutual funds and for how long.</p><p>You can find out how much you need to invest, for how long and at what return with a simple calculator. Todd Tressider, former hedge fund manager and owner of the <a href="http://financialmentor.com/">FinancialMentor.com</a> developed a calculator to help with this. For example, you can calculate that if you invest $500 per month in a diversified stock market index fund, such as the Fidelity Total Market Index Fund, earn an average 7 percent return, assuming a 2 percent inflation rate — in 36 years, you’ll be a millionaire.</p><p>If Henry starts at age 25, by age 61, he’ll be a millionaire. If he starts later, he’ll need to save and invest more. If Henry chooses lower-return investments, such as money market funds or certificates of deposit (CD), he’ll have to save thousands of dollars more to compensate for those investments' lower annual rates of return.</p>若いときから始める
<p>Regardless of the path you choose to get rich, it will take time. Investing in the stock market takes years for your money to grow and compound. Starting a business and nursing it to success doesn’t happen overnight. When it comes to the math of compounding returns, the greatest financial growth occurs in the later years.</p><p>“Making your first million will often take longer than making your second," said Daniel Zajac, certified financial planner and partner at SimoneZajac Wealth Management Group, and founder of the blog <a href="http://www.financeandflipflops.com/">Finance and Flips Flops</a>. "Whether it’s through building a business, or years and years of saving, the first million is often the hardest. Stay committed, stay patient and keep your eyes focused on the goal.”</p><p>Don’t let the initial slow growth through compounding or the pitfalls of starting your own business thwart your long term wealth aspirations. Fear and impatience can be your worst enemies when <a href="http://www.gobankingrates.com/personal-finance/being-introvert-can-make-rich/">trying to make $1 million</a>.</p>忍耐が大切
<p>Investing in real estate has long been a path to wealth. However, it’s much easier to initially invest in real estate in lower-cost-of-living areas. If you live in San Francisco or New York City, you might want to invest in an up-and-coming area.</p><p>Paula Pant, owner of personal finance blog <a href="http://affordanything.com/">AffordAnything.com</a> and resident of Atlanta, Ga., is building wealth with a real estate portfolio. Save enough to make a down payment on a rental property with a strong positive cash flow, she said. This means that after you pay the bills, there’s money left over to go into your bank account.</p><p>Over time, as you pay off the mortgage, you'll ultimately own the property outright. Pant suggested starting with one property and repeating until you reach $1 million.</p>不動産に投資せよ
<p>Discard the myth that millionaires all spend with abandon and live high on the hog. In the book, "Millionaire Next Door," award-winning authors Thomas J. Stanley and William D. Danko studied <a href="http://www.gobankingrates.com/personal-finance/5-ways-personality-affects-spending-habits/">how individuals became rich</a>, and their findings were surprising.</p><p>“Many people who live in expensive homes and drive luxury cars do not actually have much wealth," they wrote. "Then, we discovered something even odder: Many people who have a great deal of wealth do not even live in upscale neighborhoods.”</p><p>The authors found that high salaries don’t necessarily translate into high net worth. In fact, Stanley and Danko found that those who accumulated the most wealth would be considered frugal themselves, and married to conservative spenders as well. The gap between income and spending is an asset for those learning how to get rich. Think about it realistically: You can’t build wealth if you spend all that you earn — or worse yet, spend more than you earn.</p>身の丈の生活
Discard the myth that millionaires all spend with abandon and live high on the hog. In the book, "Millionaire Next Door," award-winning authors Thomas J. Stanley and William D. Danko studied how individuals became rich, and their findings were surprising.
“Many people who live in expensive homes and drive luxury cars do not actually have much wealth," they wrote. "Then, we discovered something even odder: Many people who have a great deal of wealth do not even live in upscale neighborhoods.”
The authors found that high salaries don’t necessarily translate into high net worth. In fact, Stanley and Danko found that those who accumulated the most wealth would be considered frugal themselves, and married to conservative spenders as well. The gap between income and spending is an asset for those learning how to get rich. Think about it realistically: You can’t build wealth if you spend all that you earn — or worse yet, spend more than you earn.
あなたの近所の億万長者はふつうの生活をしているのです。

<p>The government gives you a wealth-building gift: the 401k account. Here’s how you can use it to make your first $1 million:</p>Enroll in your employer’s program and invest the maximum amount allowable by law — that’s $18,000 in 2016, and an additional $6,000 catch-up contribution for those over age 50.You gain an immediate reduction in your taxable income for any contribution into the 401k. So if your income is $60,000, and you contribute $18,000, you’re only taxed on $42,000.As long as the money remains in the account, it grows and compounds tax-free.<p>In practical terms, if you contribute $18,000 annually to your 401k, and earn 7 percent by investing in an average stock mutual fund, you will be a millionaire in 23 years. Invest less or earn a lower return, and it will take longer to make your first million.</p><p>“You don’t need to be the next Richard Branson to make your first million," said Grant Bledsoe, founder of <a href="http://www.3oakscapital.com/">Three Oaks Capital Management</a> and blogger at AbovetheCanopy.us. "Just take what the IRS gives you."</p>401Kを最大限に利用する
<p>It might sound obvious, but if you want to make your first million, <a href="http://www.gobankingrates.com/personal-finance/side-gigs-can-make-rich/">you need to generate more income</a>. If you’re making just enough to pay for rent, food and utilities, it’s unlikely that you’ll get rich. You don’t need to be brilliant to become a millionaire, but you do need to be disciplined, hard-working and creative.</p><p>Wealthy entrepreneur and businessman Mark Cuban started creating income streams at age 12. He sold packages of trash bags so he could afford to buy the shoes he wanted, according to Biography.com. In high school, he peddled stamps and coins for extra cash.</p><p>He took college psychology classes in his junior year of high school, then skipped his senior year to begin college full time. This illustrates the wealth-building hustler attitude. He gave up free time and leisure to pursue his dreams. The same holds true for many millionaires.</p>それなりの努力を!
 若いときからお金を稼ぐという術を身に着けることが大事。それがやがて大きなお金を稼ぐステップになるそうです。

 Atlanta, GA 7-Day Forecast
 これがCBS46の天気予報ですが、日曜日が商工会のソフトボール大会です。今年は雨はなさそうです。土曜日の60%がずれこまなければよいのですが。

 土曜日の夜に、従業員を説教しました。こそこそ携帯電話を見るのは止めなさい。そんなに気になるなら仕事辞めて見ていればいい。バッグの中に置いておくこと。
チームワークを発揮して、お互いの仕事を手伝うことなどなど。
 どうも、サービスの低下が気になるのです。もっと動け、もっと気配りせえ、ですが、毎回、言わないと犬と一緒ですぐに忘れてしまいます。それでもそこそこのチップを稼げるので、ぬるま湯状態にあるのでしょう。店は決して忙しくなく、余計にだらけてしまいます。それを解消するには止まらないことです。動いて物を発見する。お客さんのテーブルに行けば何かが見えます。あと2週間で10月も終わり、大統領選まで20日となっていますが、厳しい中、何かやらんと、いけませんわい。

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今日の出来事から 9月21日(木)今日から戦い

Septiembre Veinte Uno ( Jueves) Terremoto Ciudado de Mexico  地震のことをテレモトとスペイン語でいいます。これでまた1つの単語を覚えました。危険=クイダドはよく使いますから、知っていましたが。  今日からツアーの最...