Mirum(Millionaires)Hna Nih An Phaisa An Tawlrelning Phun 10

Atanglei hi mirum (millionaires) hna nih an phaisa an tawlrelning phun 10 a si.

  1. Phaisa kongah hmailei ichuah sual lo ding in ţuan tein an awt

Zeitindah “Kum 7 chungah Million 7 Na Kawl khawh Lai” (How to Make 7 Million in 7 Years) timi cauk ţialtu Adrian Cartwood (49 kum) cu semrel tein a rak nung i rian fakpi in a rak izuam. Chanthar thiamnak (technology) he pehtlai in mingei ah aa chuah. Hi pa nih a chimmi cu, “Mi tampi cu tuan tein leiba tampi ngeih ruangah an ichuahsual. An hmuhmi paoh miţheh kar ah a dih colh ve, leiba zong an ngei beh,” tiah a ti. Cu pinah, “Mah le sining te ituak chun in duhsah tein caan liamter ding a si. Cu ticun na kawlmi phaisa cu a sing a nuai a si tiang a tang kho lai,” tiah a ţial rih.

  1. Ka tuah khawh ko ti zumhnak ngeih

“30 ah Phaisa Nuaikhat” (A Million Bucks by 30) timi cauk tialtu Alan Corey cu Kampani (company) pakhatkhat ah amiak hmuhnak ding caah tangka hram a chiah (invest) hlan ah mirum hna kong ţialmi cauk tampi a rel ti a si. Aruang cu mirum hna lungput, nunning le ziaza i cawn dingah a si. Hi pa nih a chimmi cu, “Mirum vialte an lungput aakhahnak pakhat cu ka ti khawh lai, mirum ka si kho ve ko timi mah le mah izumhnak an ngeihnak ah a si. Mah le mah izumhnak nih sangpi ah a kaiter hna ee,” tiah a ti.

  1. Afiangmi Chunmang manh le tuah

“Na Innpa Mirum Nu” (Millionaire Mommy Next Door) timi computer blog tialtu nu Jen Smith nih cun, “Ka rum duh timi bia cu a vang a kau tuk. Cu nak cun $ 200,000 company ah a miak hmuh ding in tangka hram chiah (invest) in a miak chuah peng ka duh. Cun rian in ka chuak hnga i mizapi caah a thami rian ka ţuan lai, khual ka tlawng lai, tennis tuk ka cawng lai, zuksuai (pachi) ka cawng lai, nuam ngai in chungkhar he picnic tam deuh ka kal lai ti bantuk in a fiangmi tinhnak ngeih ding a si,” tiah a ti. Smith nih ruahnak a pekmi cu, “Nupi ţhit, fa ngeih hlan ah phaisa ngeih hmasat i zuam a herh,” ti hi a si.

  1. Aa-mah-khan (Insurance) tuah/ngeih ding

Nu le va iţhen hi rum hrawktu pakhat a si tiah mitampi nih an ti. Cu caah iralring ngai in nupi ţhit va ngeih a hau. Cun meikangh sungh zatlak tawn sual tikah rulhtu ding caah insurance (aamahkhan) chiah le tuah a hau ee tiah phaisa tawlrel ningcang cawnpiak ruahnak petu (The Quiet Millionaire Planner) Brett Wilder nih a ţial. Mahbelte a cheu cu aamahkhan kong an theih lo caah a man tamtuk pemi, za lak in a pek lo caah ruah ning in ţhathnemnak a chuahpi lomi an tam ngai ve ti a si.

  1. Rian fakpi in ţuan law na van a ţha lai

Donald Trump nih a tialmi “Think Like a Champion” timi cauk ah mirum aachuahnak cu rian fakpi in a tuan caah a si tiah a ţial. Hi hi mitampi nih “vanţhat” (lucky) a si tiah an ti. Trump nih a chimmi cu, “Vanţhatnak cu rianfakpi in ţuannak nih a hrin,” tiah a ti. Kum zabu 18 mifim Benjamin Franklin zong nih, “Fak deuh in rian ka ţuan paoh ah, ka van a ţha deuh deuh ve,” tiah a rak ti bal ve.

  1. Phaisa hmanzia thiam izuam peng

“Mirum siding ah a biapi ngaimi cu phaisa hmanzia thiam hi a si ko,” tiah Jen Smith nih cun a ti. Smith nih a chim rihmi cu, “Thla a thih paoh ah phaisa ka hmannak cazin ka dawi ţhan lengmang. Pek hnga ding paoh (leiba tel in) hman te in pek ka zuam. Cun leiba in thilcawknak (Credit Card) leiba vialte hman tein ka cham,” tiah a ti.

  1. Na lung nih a duh taktakmi kha tuah

Rum na duh ahcun na huam lomi rian na ţuan ah cun zei na chuah lai lo. Cu caah na thinlung nih a duh taktakmi, na huam taktakmi rian tu ţuan deuh ding a si tiah mirum tampi nih mino pawl kha ruahnak an pek. Thinlung nih a duh taktakmi tuah le ţuan ahcun rumnak ding lam a tam deuh ee ti a si.

  1. Ngeih na duh zat phaisa ngeih khawh ding kha na lungah iseh chih

Micheu khat caah cun dawla nuai khat ($1 million) ngeih hi a za an ti theng lai lo. “America ram i 1960 kum hnu a chuakmi caah cun pensen an lak ah hin tangka ruuk (bank) ah dawla nuai thum hrawng i chiah lawngah an nunchung caah herhbau lo in an um kho lai ee,” tiah Cartwood nih a ti. Achim rihmi cu, “Na lung ah cu zat ngeih ka zuam lai ti bantuk in tinhnak na ngeih a hau. Cu cu naa sel lai i ngeih taktak dingah fakpi in na zuam lai,” tiah a ti.

  1. Amiak hmuh ding in phaisa hram na chiah tikah tuaktan ciammam in chia

Amiak hmuh ruah ah phaisa hram na chiah (invest) a si ahcun thil a si cuahmah liomi he ralkah in chia. Tahchunhnak ah pawngkam thil tampi ruangah share man a tum tuk lio ah hin mitampi cu an ngeih cia share zuar an hmang. Mah bantuk kha cawk i zuam. Can tlawmpal a rauh ah a miak tampi in na zuar khawh ţhan lai.

  1. Na ti khawh zat nak tlawm deuh lengmang in phaisa hmang

Mirum minthang pakhat a simi Eminem i a semrel ning cu – $15,000 man suimilam cawk a duh tuk. Awl te in aa cawk khawh ding a si fawn ko. Asinain cawk lo in aa let ţhan. Afanu sianghleirun kainak ding caah phaisa tu a khon. Semrel kongah mirum Jen Smith zong nih ruahnak a pek mi cu, “Herh setsai lomi mansung thil (car, inn nganpi, tbk.) cawk ding a si lo. Tuah khawh ding le cawk khawh ding thil a si ko zongah semrel ding. Cun tikhawh tuah khawh ding nak tlawm deuh le niam deuh zungzal in um le nun i zuam ding a si.”

Acunglei hi mirum pawl an phaisa tuaktoning le nunning an chimmi pawl cu a si. Kawl phungthluk ahcun, “Ngeih lo ruangah hlut lo; Hlut lo ruangah ngeih lo (sifah) a si,” tiah an ti. Phundang in chim ahcun “Ngeih lo caah khon lo; khon lo caah ngeih ve lo,” tinak a si. Khrihfami kan Baibal Thiang zong nih, “Hmuh lei nakin pek lei ah thluachuah a um deuh,” a ti ve lo maw kha?

Rum na duh ve ahcun mirum pawl (millionaires) an biatlaih a simi “Tuan tein awt, chunmang manh, semrel” timi hi i cawng ve tuah.

Biadonghnak: Baibal Thiang ţialtu pawl nih chawva kong zeitindah Baibal ah an ţial timi can rem ka hmuh tikah ţial rih kaa zuam lai.

Reference:

Kimberly Palmer, “10 Secrets of Millionaires’ Money Management: Start Early, Create a Vision, and Live Frugally,” USA World News, April 14, 2009.

By : Rev.Dr. Sikhia