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能力的复利提升

(2010-04-22 23:10:55)
标签:

能力提升

个人成长

复利

compounding

interest

1的进步

文化

分类: 个人提升

Utilize the Power of Compounding

 

最大化利用复利

 

I’m sure that everyone reading this understands the power of compound interest. When you invest money you earn interest. Then you start earning interest on the money you earned from interest. Over many years this continues to compound and eventually leads to a very large sum of money. The same concept applies to time. If you invest time by working hard when you’re young, you put yourself in a position to succeed that will continue compounding for the rest of your life. If you waste time when you’re young, you can’t make up for it later because you’ve lost the opportunity to utilize the power compounding.

 

我相信很多读我博客的人都知道复利的力量,当你投资钱,你赚取利息。然后你的钱,你就开始从利息收息。多年持续地复利,最终会产生一笔很大的钱。这个概念也适用于时间。当你年轻的时候,如果你投资时间于努力工作,致力于成功,将继续为你的余生复利。如果你年轻时浪费时间,你不能事后弥补,因为你已经失去了最大化利用复利力量的机会。

 

Many people my age fail realize this, in fact I didn’t, or at least I didn’t act on it, until fairly recently. The primary reason is that we’re trapped in the childish mindset. As a child, your only responsibility is entertaining yourself. You needn’t worry about investing your time because Mommy and Daddy are there to take care of you and they’re usually happy as long as you stay out of trouble. These days many young adults ride the childish mindset straight through college. After graduation we’re expected to adopt the adult mindset (and the responsibility of investing our time) instantaneously. A lot of people don’t get it, and every year they waste trying to extend the college days is an opportunity that can never be replaced.

很多我这个年龄的人没能理解这个,实际上我以前也没有,或者至少我没有行动,直到最近才开始改变。主要的原因是,我们被困在幼稚心态。作为一个孩子,你唯一的责任是娱乐自己。你不必担心你投资的时间,因为妈妈和爸爸在那里照顾你,因为通常只要你远离麻烦,他们很高兴。这些天很多的年轻人以幼稚思想模式度过大学,毕业后,我们被期望采用成人思想模式(不用投资我们时间的责任)瞬间。很多人不明白,每年他们浪费试图延长大学时代是一项永远无法被取代的机会。

 

Many people think their time isn’t valuable when they aren’t working, so they throw it away on activities that have a poor return on investment and don’t build for the future. The truth is, no one else is going to consider your time valuable until you do. If you want to acquire the wealth that will provide the freedom to live your ideal lifestyle, start thinking of every decision as an investment. Nothing is insignificant.

很多人认为他们不工作时,他们的时间毫无价值,于是他们把时间浪费在回报率很低的活动上,这并不能创建他们的未来。真理是,没有人会考虑你时间的宝贵,除非你认为你的时间宝贵。如果你想获得让你过上自由梦想般的生活方式的财富,那么开始想每一个决定都是一项投资。没有什么是微不足道。

 

One mental model that can help you make better decisions is imagining that your life is a corporation and you’re the only employee. If you were the CEO of John Doe Incorporated, and were obliged to maximize profit on behalf of investors, what would you make yourself do? You’ll find that this sort of analysis simplifies many decisions and increases return on investment.

 一个可以帮助您做出更好的决策心智模式是----想象,你的生命是一个公司,你是唯一的雇员。如果你是李四公司的首席执行官,并有义务最大限度地代表投资者的利益,你会怎么做?你会发现,这种分析简化了许多决定,并增加投资回报。

 

我觉得这个复利在个人生活中的应用,对我很有启发,于是把摘了这份英文文章在这里分享,希望你受益。

摘自:http://www.pickthebrain.com/blog/time-is-all-we-have-3-ways-to-increase-return-on-investment/

 

如果我们能力每天进步1%,那一年后,我们的能力将是现在的多少倍呢?

我们可以用excell表计算

=FV(0.01,365,,-1)=37.78 倍

我们的收入也将升为37.78倍;如果没做到,只有一个原因,没有每天都在进步...

 

我喜欢和优秀的人交朋友,如果你认为你也很优秀,留个言,我们也许可以成为好朋友.

 

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