Menurut seorang profesor psikologi bernama Richard Wiseman dari Universitas Hertfordshire, seorang manusia dapat menciptakan keberuntungannya sendiri dengan mengikuti 4 prinsip sederhana ini:
1 Miliki hubungan, bersikap tenang dan selalu terbuka terhadap peluang baru.
2 Selalu mendengar naluri dan kata hati.
3 Berharap dan mau menerima kekayaan.
4 Mengubah kemalangan menjadi keberuntungan dengan menggunakan teknik psikologis yang berbeda.
Apakah seseorang dapat menciptakan keberuntungan atau tidak, di bawah ini adalah 10 orang beruntung yang tiba-tiba menjadi kaya karena menemukan satu penemuan yang tidak disengaja.
1. “Royal One”
Seorang pembawa bas yang beruntung dari Australia telah menemukan batu yang indah dan bersinar ketika mencari batu biasa sebagai koleksi pribadi.
Melihat penampilannya yang cantik, dia membawa pulang batu ini dan menyimpannya sebagai koleksi dan suvenir. 14 tahun kemudian, lelaki ini menunjukkan batu ini kepada seorang pakar dan ddidapati bahwa itu batu opal hitam paling jarang ditemui di dunia dengan nilai pasaran lebih dari rm 40juta. Batu ini diberi nama “Royal One”.
2. Muntahan ikan paus
Charlie Naysmith dari Inggris baru berusia 8 tahun ketika dia menemukan sebuah batu yang luar biasa di tepi pantai. Setelah mencari informasi di internet bersama ayahnya, diketahui itu sebagai ‘ambergis’ atau muntahan paus dengan harga rm8.5juta. Muntahan paus adalah bahan berharga yang digunakan dalam produk parfum.
3.Koin di dinding
Saat bermain di sebuah rumah di Pennsylvania, beberapa anak menemukan beberapa koin di salah satu dinding rumah tersebut.
Ketika orangtua mereka tahu, dinding itu dibongkar dan ratusan koin tua ditemukan. Seluruhnya telah dinilai dengan harga pasaran sekitar rm11.7juta dan beberapa di antaranya adalah koin yang jarang ditemui dan telah ditaksir senilai sekitar rm2.6juta.
4. Emas nuget
Seorang petani dari Australia suka mencari logam mulia di ladangnya dengan menggunakan detektor logam ketika tiba-tiba dia menemukan gumpalan emas sebesar telapak tangannya. Petani itu melanjutkan pencariannya dan berhasil mengumpulkan 5,5 kilogram potongan emas senilai 4,2 miliar rupiah.
5. Gam yang kuat
Lem yang kuat tidak sengaja ditemukan ketika seorang ahli kimia Amerika, Harry Coover dan pasukannya telah melakukan eksperimen untuk menemukan bahan yang tepat untuk membuat senapan plastik. Gam yang kuat menjadi produk komersial yang sangat populer pada tahun 1985 dan telah menghasilkan pendapatan sebesar rm330juta.
6. “Hoxne Hoard”
Seorang petani Inggris bernama Peter Whatling telah mengajak temannya, Eric Lawes untuk membantunya menemukan palu besi yang hilang di rumahnya menggunakan detektor logam.
Secara tidak sengaja, mereka telah menemukan sebuah kota berisi emas dan koin emas kuno senilai lebih dari rm200juta.
Seorang arkeolog telah menamakan penemuan harta karun ini sebagai “Hoxne Hoard” dan dibawa ke British Museum untuk pameran dan menjadi harta negara. Peter dan Eric mendapat wang jasa sebesar rm30juta setelah penemuan itu.
7. Penicillin
Penicillin ditemukan dengan tidak sengaja oleh ahli biologi Skotlandia Alexander Fleming. Suatu hari Alexander baru saja kembali dari bercuti dan menemukan wastafel di rumah yang penuh dengan piring kotor berisi bakteri dan jamur.
Ketika meneliti lebih dekat, ditemukan bahwa jamur ini telah memakan bakteri dan membunuhnya. Untungnya Alexander lupa mencuci piring dan sekarang kita semua mendapatkan antibiotik antibiotik.
8. Oven microwave
Seorang jurutera bernama Percy Spencer sedang bereksperimen dengan detektor pesawat terbang dari pihak musuh ketika ia secara tidak sengaja menemukan perangkat magnetron yang dapat mencairkan cokelat.
Alat yang ditemukan dengan tidak sengaja ini telah membawa manfaat bagi perusahaan Spencer, perusahaan Raytheon mendapat keuntungan senilai lebih dari rm3billion dengan produksi oven microwave.
9. Es krim potong
Pada 1905, seorang remaja bernama Frank Epperson meninggalkan cetakan serbuk soda dan air dalam gelas kecil dengan pengacau kayu di dalamnya di kawasan beku di luar rumah. Ini adalah awal dari sebutan aiskrim potong. 20 tahun kemudian, ‘ais lollipop’ ini menjadi sangat laris dan populer sehingga Frank Epperson menjadi jutawan dengan produk aiskrimnya.
10. Coca-Cola
Coca-cola menjadi jenama minuman berkarbonasi paling populer dan diciptakan oleh John Pemberton yang awalnya mencari formula yang sesuai untuk obat sakit kepala. Tapi pembantunya secara tidak sengaja mencampur dua bahan utama yaitu daun koka dan kacang kola dengan air berkarbonasi. Kemudian telah menghasilkan air berkarbonasi dengan rasa yang lezat dan menyegarkan, Coca-Cola atau sekarang dikenal sebagai Coke.
Jadi, siapa yang tahu, dengan eksperimen yang salah, Anda dapat menghasilkan produk yang lebih bernilai dan beruntung yang mendatangkan kekayaan seumur hidup.
Sumber : keramatviral.com
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.
Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement
Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work
If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource
Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.
Sumber : keramatviral.com
a HOW TO INVEST The Importance of Financial Investments
If you're just starting out, beginning an investment program may be something that hasn't been on your radar. You may be more concerned with how to pay for items like food and gasoline. However, if you can scrape together even a small amount of money for investment purposes, you'll be on your way to creating a much rosier financial picture in the years to come.
Beating InflationIn addition to making for uncomfortable sleeping, stuffing your money under a mattress does little to mitigate the impact of inflation over time. Putting your money in a regular bank savings account won't help much either because of the typically minuscule interest rates. While placing your money in investment vehicles, such as stocks and mutual funds, introduces an element of risk, you stand a much better chance of outpacing the inflation rate throughout a period of years.
Saving for Retirement
Depending solely on social security benefits as your source of retirement income probably won't cut it unless you plan to subsist on a diet of rice and water. Unless your company offers a sizable pension plan, you will probably need to start an investment program as early as possible to ensure a comfortable retirement. IRAs offer an easy way to invest for retirement and also provide certain tax benefits. If your employer offers a 401k plan, you can benefit from the matching funds that many companies will deposit in your account on your behalf.
Putting Your Money to Work
If you have a job, you're undoubtedly familiar with the concept of working for your money. Investing allows you to turn the tide by making your money work for you. Through the magic of compound interest, for example, your accumulated interest actually earns additional money without you having to lift a finger. Consequently, your original investment can multiply greatly over time. For example, if you invested $1,000 at an interest rate of 7 percent compounded annually, your investment would grow to $7,612.26 after 30 years.
Financial Resource
Some investments can fulfill more than one financial purpose and serve as a valuable resource. For instance, when you purchase a home, it may appreciate in value and yield a handsome profit when you sell it. Additionally, as you make your monthly mortgage payments you build up equity, which is the amount of your ownership stake in the property. You can borrow against your accumulated equity by taking out a home equity loan or home equity line of credit to help you more immediate financial needs.
HOW TO INVEST Five Key Points to Consider Before Investing
So you and your special someone are thinking about beginning an investment program. That's a wise move because the earlier you start investing the more time your nest egg has to grow. Invest only $250 a month for 20 years at 5 percent interest and you'll have $102,758. Increase the rate of return to 8 percent and the total jumps to $147,255.
Financial Fitness
Before you start socking away money in an investment account do a fitness check on your finances. Your savings account should total from three to six months of living expenses before you start playing the stock market. It doesn't make sense to invest money until you've paid off your credit card balances. The average credit card interest rate on new credit cards as of June 8, 2012, is 14.9 percent according to FoxBusiness.com.
Risk Tolerance
Different types of investments have different levels of risk. A savings account has very little risk, but then the rate of return is low as well. Money markets are rather safe. Mutual funds spread the risk because a number of companies make up the mutual fund's portfolio. Investing in individual companies can pay off handsomely or help you lose money. If you get butterflies at the mere thought of losing any of your investment then consider a low risk investment strategy.
Goals
Determine your goals. Sit down with each other and your favorite beverage and hash out why you want to invest, how much you plan on investing each month and what you hope your investment portfolio will total at the end of one year, two years, five years and 10 years. Consider that as your life changes your goals may change. While your current goal may be to save enough for a down payment on a home, in 15 years you may be looking at funding your kids' college education.
Diversification
All your eggs in one basket is a bad investment strategy. In other words don't put all your money in tech stocks, gold or your cousin's Vinny's pizza parlor. Diversify your investment portfolio, so that if one investment tanks, the others won't be affected. That includes any investing in your employer's stock. If your employer goes bankrupt, not only have you lost your job, you've lost your investments. Consider liquidity as well as risk. Getting cash out of your money market takes place nearly instantaneously. Artwork, collectibles and antiques may take weeks to sell and depending on the market, may not yield as much as you hoped.
Time and Knowledge
Getting up to speed on what to invest in takes time and knowledge. If that doesn't appeal to either of you, consider a financial planner or adviser. Planners are paid on a commission based on what you invest in or a flat fee based on how much time he spends with you.
