0
0
Reading Robert Kiyosaki’s books “Rich Dad, Poor Dad” and “The Cash Flow Quadrant” as well as his lessons on personal finance in video blogs and audio podcasts led me to formulate three financial principles of Robert Kiyosaki, which can be seen in his teachings on cash flow. And also to supplement them with, in my opinion, topical tips for the preservation of personal finances.
Principle #1. Don’t pay taxes.
Robert Kiyosaki is an American entrepreneur, author of books on investing, including the world bestseller “Rich Dad, Poor Dad.
In reality, this principle would be written as follows: “Pay back taxes paid to the state in ways permitted by law.
For most of us wage earners, this is the personal income tax that our employer remits to the state before wages are paid.
There is a “Get Tax Deduction” button in the “Life Situations App” section. You will be presented with five grounds on which you can remotely, without leaving your home, submit an application (declaration and necessary documents) for a tax deduction refund to the specified details of your bank card (if they are acceptable to you).
legislation, you can increase your annual income by 13%.
Principle #2. Do not pay commissions to banks
For most of us – “ordinary” users of banking services – these are commissions for SMS-notifications, card maintenance, transfers to third-party banks.
Lifehack – install your bank’s mobile application
Disable SMS in the “Notifications” settings and enable Push notifications – this service is free, the messages are saved in the customer’s personal cabinet, without using the phone memory.
Don’t sign up for cards with annual or monthly maintenance at banks. Use your “payroll cards” – this rate is always free, or instant issue cards. If you need to open an additional card, you can open a “virtual card” of any payment system in the mobile applications of all banks today.
Make interbank transfers through quick transfer service – it is available in mobile applications of all banks (transfer by phone number).
Using free customer services, we save on commissions for banking operations, and as they say in the field of personal finance, “saved money means earned money”.
Principle #3. Do not invest money in bank deposit
Use alternatives to deposit risk-free financial investments, but with a yield higher than that of a bank deposit.
A bank is a financial intermediary, which, on the one hand, takes money from citizens for a deposit at 3-5% per annum, and itself places them in government bonds at 7-9% per annum.
You will have the opportunity to directly invest your free cash in risk-free financial instruments, such as federal loan bonds, which have a fixed coupon rate, which is an order of magnitude higher than the rates on bank deposits.
As a conclusion. Some questions, such as setting up a personal account of a taxpayer and getting an electronic signature, what is IIA and its advantages, how to form QR codes to make a payment, which traders are better and more profitable to work with, require a separate study. As well as work with modern mobile applications and services, which inherently have an intuitive interface for its use. All this makes it possible to implement the principles of Robert Kiyosaki on the preservation of personal finances and significantly increase your capital.
