the perfect score

Whatistherealwealth?

Abstract

Thisthesisismainlytotellmodernpeoplewhatistherealwealth.

Realwealthisnotjudgebythenumbersofyourbankaccounts

ormaterialposssions,butmadeupofbymanyother

importantaspectssuchasaharmonyfamily,truefriends,agood

health,ettherealwealthandmanaged

tokeepitalongwithyourlifeisanotherimportantskill.

eralopinionofrealwealthformodern

people.

Whatisrealwealth?Ithinkthisisatopicthatmoreandmore

peoplewillconcern.

1.1Mostofpeoplethinkrealwealthisstandsforhavingalarge

amountofmoneyandmaterialposssions.

Well,ifyouaskedpeople„whatistherealwealthhdoyouthink?‟,

Mostofpeoplewouldtellyouthatwealthishavinganabundance

ofmoneyandmaterialposssions,beingfinanciallyfreeand

r,ourrealwealthandtruenetworthexpandmuch

mit

ourlvestoanarrowdefinitionofwealth,wewillneverbeable

tofullyenjoylifeandexperienceourtrueriches.

1.2People’slongingformoneyandposssionindless.

Ourcurrentmonetarysystemproducesalackmindtandleads

ustobelievewemustconstantlybechasingthemoneyifwe

esofaccumulatingmore,

more,moreareconstantlythrownatus,andaswestrivefor

biggerandbetter,it‟gingsformore

kthatifonlywehadabigger

hou,ajobmaking20%more,afanciercar,thenwewould

nwefindoutnothingcouldbefurtherfrom

henwedoendupwithmore,wefindthatthe

voidwethoughtwouldbefullisstillempty.

1.3Peoplestillunhappywhentheygettheso-calledwealth.

Peoplesarelesshappynowthanthirtyyearsagoduetolonger

redisconcertingisthatjointstudyinthe

periodicalScienceshowsthatricherpeoplenowarenotmuch

happier“moment-to-moment”thanlesswealthyindividuals.

Theauthorvensay“effectofincomeonlifesatisfactionems

tobetransient.”Oureconomyisinintensivecare,andthereis

noclearindicationofwhenthingswillbebetter.

1.4Itisrighttimetotellpeoplewhatisrealwealth,

Thisistheperfecttimetoreexamineourthoughtsandideas

oweringisittodefineyournetworthby

anoutdatedanddysfunctionalmoneygamethatisriggedforan

elitefewandisconstantlyuppingtheantefortherestofus?

Althoughthecurrentsystemisourrealityforthetimebeing,we

weshiftourthinking,werealizeourtruewealthisthethingsthat

moneyjustcan‟tcompetewithorprovide.

istherealwealth?

Inmyopinion,wealthincludebelowoutlinesingeneral:

2.1YourHealth/YoursoulMate/Partner

YourHealth-Itmaysoundlikealich,butyourhealthis

eellousy,itdoesn‟tmatterhow

muchmoneyyouhavepossdoforhowmanysummer

portantly,ifyouhavebadhealth,it‟s

hardertoenjoyyourotherrichessuchasyourfriends,family,

‟sone

hinknot,thentalkto

ople

whoareriouslyilleabiggerpicturethanthoofuswho

romthemandstarttoexpandyour

perceptionsofwhat‟everyday

andthankthedeityofyourchoiceforyetanotherdayofgood

health.

YoursoulMate/Partner-Whatawonderfulthingitisto

pestdesiresas

humanbeingsarenotreallymoneyorthematerial,butlove.

Rememberwhenyoufirstfellinloveandhowgreatyou

someonetogothroughthegoodtimesandthebad

‟sareal

blessingtohavesomeonespecialinyourlife,sopleacherish

themanddon‟ttakethemforgranted.

2.2YourChildren/Yourfriends/Animalcompanions

YourChildren-Childrenarepriceless!NeedIemore?

Friends-Familiesarewonderfulbutourfriendsareextra

nocontrolover

whoourfamiliesare,butallthecontrolintheworldwhenit

saretheretohelpyou

nwe

reciprocatebybeingthereforthem,therewardsaretwo-fold,

becauwegainthejoyofhavingbeenthereforsomeoneas

iendshipsallowustobewithpeoplewhoacceptus

forwhoweareandarenotforevertryingtoalterus.

Youranimalcompanions-Animalsfriendsbringsomuchjoy

stheregularactivitiesweparticipate

inwithouranimalfriends,justwatchingthemastheygoabout

s

teachustoliveinthemomentandnottofretaboutthepastor

malcompanionsaretheepitome

ofunconditionallove.

2.3FreeTime/AccesstoModernConveniences

FreeTime-Thegiftoftimetospendinanywayyouchoo

isanastrivalingthemostsuccessfulmonetaryinvestments.

Whataluxuryitistohavetimetospendwithfamilyandfriends,

timeinnature,timereadingandrelaxing,timeforfun,timefor

gettingadequatesleep,andtimetojustdonothingifthat‟swhat

ravaganceoftimeisdefinitelya

valuablecommodityandanoftenunder-ratedresource.

AccesstoModernConveniences-Thetimeswelivein

provideuswithmoreaccesstotechnologyandmodern

conveniencesthaneverbeforeintheworld‟ea

refrigerator,right?Accesstoawasheranddryer?Whatabouta

TV,computer,microwave,radio,electricity,heat,air

conditioning,etc?Comparedtopastgenerations,mostofuslive

conveniencessaveustimeandmakelifea

wholeloteasier.

2.4YourLifeExperiences

YourLifeExperiences-Eachofusareuniqueandourlife

rtheyaregoodorbad,

wecanuourexperiencestolearn,teach,andcontributeto

uaren‟talready,getoutthereand

‟llhavetbacksforsure,butyou

willalsohavemanyvictoriesaswell.

2.5YourSpirituality/Education/Humor

Spirituality-Ifyouareapersonwhotravelsaspiritualor

religiouspath,thenyouknowtherewards—peaceofmind,

comfort,support,ualityis

whatfeedsoursoulanddifferentiatesbetweenthematerialistic

nowdeepdown

thereissomethingmoretobeingalivethanjustwhatisinfront

ofus,butsooftenweforgetandgetcaughtupinthingsthat

won‟ritualityhelpsusthrough

thechallengingtimesandkeepsusconnectedtowhat‟s

importantinlife.

YourEducation-Aneducationisnotonlyadegreeor

ionisaskillyou‟velearned,orabookyou‟ve

ritisa

degreefromafancyuniversity,atradeschoolcertificate,or

informationacquiredfromthelocallibrary,allareformsof

ulearnsomething,it‟s

yoursforthekeepingandotherscanneverbetakenawayfrom

you.

YouHumor-Laughterhasawayofsoothingthehuman

avethegiftofhumor

andhavepeoplearoundtolaughwithyou,knowthatyouhave

anastthatcancarryyouthroughmostanythingthiscrazylife

ndsyourway.

2.6Othercomprehensionofrealwealth.

Maybeabovelistedisjustone-sided.

Ifyouwanttolettherealwealthbeexplainedtobemoredetail,

youcandividethemaccordingtothedifferentage,showasbelow:

Toalitterbaby,wealthmeansthateverydaytheycouldhavea

sweetsleepandabundantpowdermilk.

Toalitterchild,wealthstandsfortheycandowhatevertheylikeat

homeandwillnotpunishwhenthemotherorfathercomeback

founditsmasterpiece.

Totheteenage,wealthistheycangetridofhomeworkandnoneed

toanswertheboringmathquestions.

Totheyoungman,Wealthistheyhavealargeamountofmoney,a

beautifulhouandafancycar.

Totheyoungwomen,wealthisthattheyhaveabeautifulfaceand

aslimfigure.

Totheelders,Wealthishavingastrongbodyasyoungpeoples.

Whileyoucanclassifytherealwealthasthedifferentprofessional,

Forinstance:

Ateacher‟srealwealthisthathisstudentcangetasatisfiedscore

atthefinalexam.

Amanagermanagement‟srealwealthisthathissubordinatecan

doeverythingbadonhismindsandeverythinggoeswell.

Abusinessman‟srealwealthishecanmakemoreandmoremoney.

Acounl‟srealwealthishecanwininalllawsuits.

Adoctor‟srealwealthishecansaveallpeople‟slivesandrelieve

thepatient‟spain.

…

Butbackintothecenter,abovearehavingcloconnectionwith

thecomponentofrealwealth,suchashealth,soulmate,friends,

lifeexperiences,spirituality,educationandhumor.

ettherealwealthandproperlymanagedit?

3.1Whypeoplelotheirrealwealth.

Infact,somepeopledoknowtheconceptionofrealwealth,butto

themwithoutenoughmoneyandacomfortablehou,nothingis

rkharderand

harder,takethepart-timejob,notwillingtohavearestorrelax

thoughthedoctoralreadyalertthemtohaveagoodsleepordo

somesports,oneday,hecollapdintheworkshopandcan‟tbe

ewasill,hiswifediscardhisasshecan‟t

endurethepoorliving,hischildhastodropoutfromtheschool

becauhisfathercan‟

moodandtempogobaddaybydayalthoughhishasreceiveda

,his

childrenlefthim…

peopledoknowwhattherealwealthisbeforetheyplantocarryout

ingthisway,theydon‟tknowhowtobalanceand

enjoythejourneybrings.

Somepeoplemayalreadyhavealargeamountofmoneyand

materialposssions,butthenetworthdoesn‟ttranslateinto

happiness,why,what‟sgoingon?

IthinkpartoftheanswerhasbeenknownsinceatleastAncient

GreekinthewritingsofAesopinthestoryofTheMirandhis

Gold:

OnceuponatimetherewasaMirwhoudtohidehisgoldat

thefootofatreeinhisgarden;buteveryweekheudtogoand

r,whohadnoticedthis,

eMir

nextcametogloatoverhistreasures,hefoundnothingbutthe

hishair,andraidsuchanoutcrythatall

theneighborscamearoundhim,andhetoldthemhowheud

tocomeandvisithisgold.“Didyouevertakeanyofitout?”

askedoneofthem.

“Nay,”saidhe,“Ionlycametolookatit.”

“Thencomeagainandlookatthehole,”saidaneighbor;“itwill

doyoujustasmuchgood.”

Wealthunudmightaswellnotexist.

Itakeawaytwomainlessonsfromthestoryaboutwhythe

Mir‟sgold(hishighnetworth)didnotleadtohappiness.

sameanstoanend.

Personalfinanceisaboutusingmoneyforthethingsyoucare

thinformsyouonhowmuchmoneyyouhave,not

irhadudsome

goldforanicemealonthetown,hisnetworthwouldhave

decread,butwouldhehavebeenhappier?

thcanbelostifpoorlyprotected(riskyinvestmentsor

lackofinsurance)

TheMirwasfoolishtoputhismoneyinthetreesinceitwas

opletodayarejustasfoolish

protectingtheirasts,leavingthempreytomodernrobbers

on‟tloweryourriskthroughstock

diversificationandsaferinvestments,youcanquicklyloalot

ofmoneyinthewakeofanEnron-likeaccountingscandal,or

companylayoff.

What’stheAnswer?

HowcouldtheMirhavebeenbetteroff,andwhatcanyoudo

aboutit?Forstarters,redefinewealthasfinancialfulfillment,

andthenstartwritingspecificgoals.

Goalshelpyouanswer:whydoyouwantmoney?Itisusuallyto

accomplishsomethingyouwantnow,liketobuyan

engagementring,orgetanAppleiPhone,ortopayoffcredit

likelyalsowantmoneyforthefuturetobuya

beachsidehouinHawaiiandsupportyourchildren‟s

education.

3.2Taketherightattitude,wealthissimply

accomplishingthefinancialgoals.

Naturally,beforeyouaccomplishthem,Pleaspendafew

perhapsthemostimportant

stepIcantakeinacquiringwealth.

Writedownshort-termgoalsforthenextthreetosixmonths,

followedbymediumtermgoalsofonetofiveyears,followedby

akethegoalsprecithenyouwillhave

aplanofaction,andofcour,remembertoreviewthegoalsa

coupletimesayear.

Intotal,therealwealthisnotonlystandsforalargeamountof

moneyandmaterialposssions,butalsoincludesome

you‟vegettherealwealthpleaproperlycherishthem,ifyou

havegotyourrealwealthyet,youcanenjoyitbringswhenyou

everybodygettheirrealwealth.

Content

Foreword

1Thegeneralopinionofrealwealthformodernpeople……………..1

1.1Mostofpeoplethinkrealwealthisstandsforhavingalargea

mountofmoneyandmaterialposssions…………………………………..1

1.2People‟slongingformoneyandposssionindless……………….1

1.3Peoplestillunhappywhentheygettheso-calledwealth……………2

1.4Itisrighttimetotellpeoplewhatisrealwealth…………………………2

therealwealth?……………………………………………………………….2

2.1YourHealth/YoursoulMate/Partner……………………………………………2

2.2YourChildren/Yourfriends/Youranimalcompanions………………….3

2.3FreeTime/AccesstoModernConveniences………………………………….4

2.4YourLifeExperiences……………………………………………….…………………….4

2.5YourSpirituality/YourEducation/YouHumor….…………………………..5

2.6Othercomprehensionofwealth…………………….……………………….…….5

ettherealwealthandproperlymanagedit?…….…….6

3.1Whypeoplelotheirrealwealth………………….…………………….……...6

3.2Taketherightattitude,wealthissimplyaccomplishingthe

financialgoals………………………………………………………….…………………….8

References………………………………………….…………………………………………………8