Saturday, April 03, 2010

обесценивающийся актив или доходный актив

меня очень поразила одна статья в интернете, частично отображает воспитание женщин в пост. советском пространстве. Жаль, что такое не преподают в школе :)


Как выйти замуж за миллионера? - а ребята с Wall Street :) ........


На популярной американской доске объявлений Craig’s List появилось письмо от 25-летней девушки, которая пишет буквально следующее:

Что делать?
Я – красивая, веселая, умная 25-летняя девушка. Я не из Нью-Йорка. Хочу выйти замуж за парня, который зарабатывает в год не меньше 500 тысяч долларов, потому что хочу иметь возможность сидеть дома с нашими будущими детьми. Я понимаю, как это звучит, но миллион долларов в год – это сегодня доходы среднего класса в Нью-Йорке, так что не чересчур.

Есть на этом форуме парни, которые зарабатывают 500 тыс. долларов в год или больше, или их жены? Подскажите! Я встречалась с бизнесменом, который зарабатывает примерно 200–250 тысяч в год, но я сказала себе: Стоп! 250 тысяч не приведут меня в дом к западу от Центрального парка. Я знаю женщину в моем классе йоги, которая замужем за инвестбанкиром и живет в прекрасном доме в Трибеке. Я не думаю, что она так же красива как я, и она вовсе не гений. Что она сделала правильно? Как мне достичь ее уровня?

Вот что меня интересует в особенности:

— Где вы, одинокие богатые мужчины, проводите свободное время? Дайте мне адреса: бары, рестораны, спортзалы.
— Какую подругу вы ищете? Будьте честны, вы не обидите меня.
— На какой возраст мне ориентироваться (мне 25)
— Почему некоторые женщины, ведущие роскошную жизнь, так просты? Я видела действительно «простых бабенок», скучных, с которыми не о чем поговорить; но они замужем за невероятно богатыми мужчинами. И я видела чертовски привлекательных девчонок, которые скучают в баре в одиночестве. В чем тут дело?
— Парней каких профессий мне искать? Все знают – юрист, инвестбанкир, доктор. Сколько такие парни в действительности зарабатывают? И где они развлекаются? А где отдыхают парни из хедж-фондов?
— Как вы решаете, жениться или оставаться любовниками? Мне нужна ТОЛЬКО СВАДЬБА!

Мое предложение абсолютно честное. Многие красивые женщины очень поверхностны; по крайней мере в этом я их превосхожу.
Я бы не искала парня, которого ищу, если бы не была абсолютно уверена, что смогу подойти ему по всем параметрам: внешний вид, культура, ум, умение вести хозяйство и хранить тепло домашнего очага.

Ее письмо не осталось без внимания: парень, зарабатывающий более полумиллиона в год, ответил на ее предложение, как настоящий финансист.

Я прочитал твой пост с большим интересом, и внимательно обдумал твою дилемму. Предлагаю анализ твоего затруднительного положения.

Во-первых, я не зря трачу твое время: я подхожу под твои требования, так как зарабатываю больше, чем $500K в год. И вот как я все это вижу.

Твое предложение, с точки зрения такого парня как я – однозначно плохая сделка, и вот почему. Если выбросить из твоего письма все лишнее, ты предлагаешь простую сделку: ты предлагаешь свою красоту в обмен на мои деньги. Прекрасно. Но вот в чем проблема: твоя красота будет увядать, а мой капитал будет только расти… фактически, вероятность увеличения моего капитала очень высока, но ты красивее точно не станешь!

Так что на языке экономики ты – обесценивающийся актив, а я – доходный актив. И ты не просто обесценивающийся актив, твоя ценность падает все быстрее и быстрее! Позволь объяснить: тебе сейчас 25, и ты наверняка будешь привлекать внимание мужчин еще лет 5, но с каждым годом все меньше. В 35 на тебя никто не посмотрит.

Здесь на Wall Street мы бы назвали тебя «торговой позицией», а жениться на тебе – это все равно что «купить и держать». Но покупать тебя (о чем ты и просишь) – это плохой бизнес, так что я бы лучше взял в аренду. Если мои слова тебе покажутся жестокими, задумайся вот над чем. Если мои деньги исчезнут, так же поступишь и ты; так что когда твоя красота увянет, мне нужен будет способ выйти из этого актива. Это очень просто. Так что сделка, которая имеет смысл – это свидания, но не свадьба.

Отдельно хочу заметить, что в своей ранней карьере я многое понял об эффективности рынка. И я удивлен, что такая «красивая, веселая, умная», как ты, до сих пор не нашла себе «папика». Мне трудно поверить, что для такой привлекательной девушки, как ты себе описываешь, еще не нашлись $500K в год.

Кстати, ты всегда можешь найти способ заработать деньги сама: в таком случае нам бы не пришлось вести этот трудный разговор.

В общем, хочу сказать, что ты на правильном пути – классическая стратегия «выжми и выброси». Надеюсь, я помог тебе.

Да, если будешь готова обсудить какие-либо варианты аренды – дай мне знать!

P.S. Всю неделю работники контор на Wall Street пересылали это письмо друг другу и обсуждали его. По мнению многих, сейчас в Америке очень много девушек думают так же и готовы броситься в объятия любого одинокого финансово благополучного мужчины. Для такого типа женщин даже появилось специальное слово: их называют Plastic (одно из значений этого слова — искусственный, надуманный; фальшивый; поверхностный).
Трейдеры любят и ценят настоящих девушек, которым можно доверять........ так как знают цену доверия и поддержки. А "торговых позиций" им и в мониторе хватает

Thursday, April 01, 2010

when you don't feel like and ready to stop

"You only truly fail if you don't learn from your mistakes.
Along the road to success a failure can serve as a valuable
lesson to you. There are just some things which are out of
our control and we should not worry too much about them.
As much as you plan for things not to go wrong in your
business, things will inevitably go wrong. That's Life to you.

As long as you don't let failure stop you dead in your
tracks, it is nothing to worry about. It only takes one
success to wipe out all your past failures. When you find
success in your personal or business goals, those failures
will seem less important."

Tuesday, January 05, 2010

62 WAYS TO MAKE 2010 YOUR BEST YEAR YET

Last 2 month, probably were the most unpredictable and challenging for me for last a couple of years or may be even 5 years. I still have a lot of thought, crazy ideas and I keep moving in different directions, but step by step I'm getting to my way :) I will try to expres the story, feelings etc in my blog someday, so far I just keep it in my notes.

Got some inspiriting from Robin Sharma today and would like to share with you.

62 WAYS TO MAKE 2010 YOUR BEST YEAR YET

1. Remember that leadership isn't about your position. It's about your influence.

2. Get fit like a pro athlete.

3. Lift people up versus tearing people down.

4. Protect your good name. An impeccable reputation takes a lifetime to build. And 60 seconds to lose.

5. Surround yourself with positive, ethical people who are committed to excellence.

6. Remember that even a 1% daily innovation rate amounts to at least a 100% rate of innovation in 100 days.

7. Believe in your dreams (even when others laugh at them).

8. Measure your success, not by your net worth but by your self worth (and how happy you feel).

9. Take an intelligent risk every 24 hours. No try-No Win.

10. Read "Buffett: The Making of an American Capitalist".

11. Watch "Man on Wire".

12. Regardless of your title at work, be a team builder.

13. Remember that business is all about relationships and human connections.

14. Say "please" more.

15. Say "thank you" more.

16. Know your Big 5: the five things that need to happen by the end of this year for you to feel its been your best year yet.

17. Read your Big 5 every morning while the rest of the world is asleep.

18. Read "As You Think". At least twice this year.

19. Be willing to fail. It's the price of greatness.

20. Focus less on making money and more on creating value.

21. Spend less, save more.

22. Leave everything you touch better than you found it.

23. Be the most positive person in every room you're in.

24. Run your own race.

24. Stay true to your deepest values and best ideals.

25. Write a handwritten thank you note to a customer/friend/loved one every day.

26. When you travel, send love letters to your kids on hotel stationary. In time, they'll have a rich collection to remember your travels by.

27. Read "Atlas Shrugged".

28. Be a problem solver versus a trouble maker.

29. Rather than doing many things at mediocrity do just a few things-but at mastery.

30. Honor your parents.

31. Commit to doing great work-whether anyone notices it or not. It's one of life's best sources of happiness.

32. Give more than you receive (another of the truths of happiness).

33. Have your 1/3/5/10/25 years goals recorded on paper and review them weekly.

34. Be patient. Slow and steady wins the race. The only reason businesses that went from zero to a billion in a year or two get featured in magazines is because 99% of businesses require a lot more time to win.

34. Underpromise and then overdeliver.

35. See part of your job as "a developer of people" (whether you work in the boardroom or the mailroom).

36. Wear your heart on your sleeve. When people see you're real, they'll fall in love with you.

37. Be authentic versus plastic.

38. Read "The Alchemist".

39. Remember that life wants you to win. So get out of your own way.

40. Consider that behind every fear lives your next level of growth (and power).

41. Eat less food.

42. Drink more water.

43. Rest when you need to.

44. Read "SUCCESS" magazine.

45. Write your eulogy and then live your life backwards.

46. Demand the best from yourself.

47. Remember that the more you go to your limits, the more your limits will expand.

48. See everything that happens to you as an opportunity to grow (and therefore, as a precious gift).

49. Be obsessed with learning and self-development.

50. Become comfortable alone (you are the only person you get to be with your whole life).

51. Smile. It's a stunningly effective way to win in business and life.

52. Reflect on the shortness of life.

53. Be bold when it comes to your dreams but gentle with those you love.

54. Remember that success is dangerous because it can kill drive/innovation/passion and going the extra mile. Be successful yet stay hungry.

55. Read "The Autobiography of Benjamin Franklin".

56. Be of deep value to this world.

57. Own beautiful things but don't let them own you.

58. Use excellent words.

59. Laugh more.

60. Don't complain, gossip or be negative.

61. Plan as if you'll live forever but live as if you'll die tomorrow.

62. Feel free to pass these lessons on to those you want to help.

p.s. live in the paradise ;)

Sunday, November 08, 2009

mix....

I feel like writing....
may be it will help to sort out all my thought...feeling...wishes....dreams...and take me to the next stage, where I am be happy, fully enjoying the life and make a contribution :)

Did I mention, that I love my life? :) I LOVE LIFE!
I love everything what is happening, I like to make my life, I love all my challenges, I love people around, I am pleased to share my thoughts, ideas, feelings, energy etc I try to make my life and follow my dreams...but often people in some point stop to make there life and follow the rules, society, management etc...sometimes I feel that I do the same, then suddenly I wake up, because I feel something badgering me insight!!! Thanks Got, I have curiosity :)

I'm finishing my internship in 3 weeks, I thought I would know for sure that is next and I have expected that my life will follow some typical logic, expected steps, at list will start since now :)but would I be happy to know everything in advance??? :) ha ha :) Looking on my past I defiantly must admit I've been always taking challenging roads, made not easy decision and took some risky steps. I have never regret for that, moreover I am even very grateful for all things which happened or didn't happened.
So far I am following the strategy know the direction, follow your instinct, make the best of everything, share your happinesses and things just start happening! I don't want to be attach to the result or place even try don't be attach people (not easy). So far I feel confided and happy about it.

I guess now I am a bit frustrated, because for 5 month actively searching for my next step I still confused about my wishes or goals for next year....not years... just for one year! I tend to think to much sometimes :) asking myself to much questions etc, what is not bad, I have to just accepted it :) I like that I am not distracted by rejection or non result achievement, I know it will come, it's a mater of time. I am lost between roads...
I'm lost where to go, what do I really LOVE to do, should I follow my heard or my mind, logic or long-term strategy...but at list I know what I don't want to do :)))

Place:
The World is to small and I wish to leave in each continent during next 4-5 years... I'm willing to go and to try, to see, to learn, to travel, to discover, to explore, to share and wish to make the difference! Wish to find the way how I can use my strength, knowledge and ability to do something relevant and to make others happy.

Do what you love to do:
Fully believe that if we do what we are really good at, what we love to do, the world/population will be much happy and more kind! I know things which I can do and I can successes! But I want to wake up happy in the morning, because I'm going to do an amazing job everyday, job which make the difference, not just average job which I can do...I wish to find or always be able to discover new things and to be very satisfied with things which I do everyday, stretch myself for the best and enjoy it.
I wish to be happy coming back home, because I have my close people at home (partner, children) who are waiting for me. Wish to share my love, energy, thought with them.

I guess everyone want/wish to have love, but often people don't like to tell it, to express it, to share. In our days sometimes we're hyper active, too social, but quite lonely on the same time, especially in megalopolises. Quantity would never cover the quality. We prefer to share our achievement in business life and forgot to mention, that the best moment of the day actually was 5 min conversation with the partner, children or parents :) It's probably easy don't share anything personal you kind of keep cool and pretend that you don't need it, but everybody needs it :) Everyone needs it, doesn't mater the gender, race, age, culture, preferences, sexual orientation etc, we need just face it.

="

Find balance:
when you mind, heard and soul tell you 3 different things, any meditation can't help :)
should I go for money and accept a job offer...should I follow for the best experience and take a risk and go to Asia to explore...or should I follow my heard, probably take even bigger risk and take a challenge, but make sure that I make the best of my life...???...right now I even can't hear my intuition...I am too much questioning my self, I guess I should learn how to let it go :)
I've tried to look on that as a case, which need to be solved and present from different perspective :)

World wide view:
Where do I want to be, What do I want to do, how my life will look like in 10 - 20 -30 -40 year? How our world would look like in 20-50 years? Which role we are going to have in such busy and technology developed world? Which action we should make now to leave on a better planet latter? What is really mater?

Taking to consideration world issue like climate changes and Global warming, population grows and financial crisis, technology development and speed of our life I guess it's more and more difficult to predict the future. Some scientists said: "The word culaps will happen in 2029", calculation has been done base on speed of technology development and distraction of the planet. Some of the them predict the world end in 2012. I just feel it's more difficult to adapt to new technology, changes on every day life, a lot of information around and don't get crazy with all this things.
Without any concert action climate changes can bring so many destruction and catastrophe which will effect economic for sure. In competitive environment population which have had a chance study do that and focusing very much on a career, on the same time I guess gap between well educated and uneducated people is going to increase significantly. Personally thinking that education is one of the key to solve some issues or at list to help developed or performed poor country/regions.
From economical point of view we can see clear that for last 10 years all finance from US and most EU moved significantly to Asia. Now Asia plays a very big role as a world builder. Any developed country wouldn't let easily to share there finance, so I assume that politics and leaders of the country will spent a lot of energy and attention for protection or fighting for resources and territory.
I guess 3th sector (NGOs) can play a very big roll in new world. Social enterprising is one of the key to make a real difference! Personally I become more and more attractive to it. To be a leader, to really lead, you don't need a MBA in leadership, you can just do it. Thinking that a lot grows and development in poor and developing countries can be done by NGO and social projects, by inspiring people with right ideas and needs of education.
The gap between poor and rich people will increase (probably that tendency we can see always in our history as well), but managing is going to be not by police/army how it was before, but by technology or medicine (diseases, epidemics etc). The richest part will be more mobile, well study, well travel, well read, may be even partly supports there health by new technology. In such dynamic and stressful world people can become more and more machine. On the same time some people can't follow the standard, the creativity, outstanding ideas, brave personality would values very much. It has had never been easy to be special and find understanding from populace although it's one of the way to make changes. If it's so easy, then everyone can do it :)

Then I had part related to long-term goals, feelings, wishes etc... but
Reading my post since begging I have realized how it's important for me to write down, even may be not so logical or in order, but at list it's a good self-reflection moment. I got some inspiration back and I know that sometimes to be lost between roads is not bad :) just important to know the final destination and keep happy journey;)

Actually I like challenging moments, because it makes me stronger, it pushes me to thinking out, used all creativity and discover something new :)

You have to stretch yourself before you grow up, move to the next level! :)

Thursday, October 22, 2009

Tuesday, October 20, 2009

before your successed!

Everyday I wake up and think how amazing life (even if I don't want to think like this...I still do it!) but if we have always luck and get everything immediately I guess life would be so boring! To make sure that we stretch ourselves, we do our best in everyday life we must to struggle!

I even think it's more important your attitude for difficulties for challenges, then the fact of having it. Can you imagine you don't have any problems/issues and everything is fine/great etc??? Believe me, you create them! :) humanity are enough complicated and like make problems/issues/difficulties from nothing :)I don't know anyone who can say, I don't have any problems and I'm happy on 100% with all arias in my life, do you know? if you think so, then you don't have room for improvements, so that is a circle ...:)

As you know I like sport very much and I guess I know how to achieve result in sport, because I've experienced it a lot. You must just practice every single day, without excuses like weekend, bad weather or I'm just tired. (in some point of my life I had just 3 days without sport and it was so boring for me, I missed it very much already).
today I watch such interesting /inspiring video which reminds me my sport achievement and feeling of success! but for such great feeling I was ready to work very hard every day, just for 1 min of glory, achievement, success :)

href="">

I guess in life we should do the same :)
feeling inspiring, amazing, magnificently, specially to do my best from everything!

Thursday, October 08, 2009

how does it work:

Have you noticed, that the more you hurry, the slower you go?
The more you wait, the longer it takes?
The more you worry, the less you dream?
But the more you live, love, and laugh, Inna, the more you live, love, and laugh.

Weird?

but may be it's a beauty to figure it out and enjoy the moment :)