What are Assets and Liabilities - How to Convert Liabilities to Assets Hindi


Jab bhi ham kisi amir insan ko dekhte hain tab ham notice karte hain ki unke paas bahut hi luxury chijse hai. Jaisa ke costly watches, mobile phone, alisan ghar. Aur ham bhi amir banne ke liye yehi koshish karte hain.

Ki iss luxury product ko jitni jaldi ho sake kharidle taki ham bhi amirro ki tarah life jisake. Lekin ek secret hai jo normal public ko nahin pata, besak amir log luxury saman kharida hai lekin ye bahut baad mein kharide hain.


What are Assets and Liabilities
What are Assets and Liabilities


Amir log luxury saman kharidne se pahle kuch aur chis kharite hain bo hai asset. Asset aisi product hai jo unhen har mahine paisa kama kar dete hain. Bina kam kiye bina kuchh kare, ye bilkul alag hai jo log job karte hain.

To amir log pahle asset se paisa banate hain fir un paison se  luxury cars stylist kapde mahanga mobile mahanga watches kharid te hai. To ehi sabse bada difference hai ek amir soch wale aadami se ek garib soch wale aadami ki.

To ehi ek chhota sa secret jo amir logon ka thinking ek garib ka thinking ko difference banata hai. Lekin ise sunane mein to bahut hi aasan hai lekin ise karne ke liye emotional discipline aur knowledge donon hi chahie.

To emotional discipline to ham khud hi laa sakte hain humare andar. Lekin iss pure artical mein ham aapko knowledge share karenge ki hum asset kaise kaise banaa sakte hain.

Aur ham wo example bhi share karenge jin logon ne Apne liabilitys ko assets  mein convert kar diya tha. To pahle main share karunga mera kuchh personal experience ko.

How to Convert Liabilities to Assets

Mera ek dost hai jo private company mein job karta hai aur use financial knowledge mein bahut hi jada interest hai. Isiliye usne loan per ek car khariden. Jiska down-payment usne approximately 1 lakh rupya dithi.

Aur unke bhi kai sare friend thee jo hotel and tour aur travel mein deal karti hain. Aur wo unke car maximum time khud use karta hain. Lekin jab bhi koi unke pass car rent ke liye customers aate thee tab unke car ko 2 ya 3 din ke liye unko rent main de deta thaa.

Aur vo almost iss process ko har mahine use karta thaa. Aur jis car ka EMI lagbhag 5 saal tak chalne wala thaa unho ne iss process ko istemal karke car loan ko 4 Sal Mein hi chuka diya. Aur bo bhi apne salary se ek paise bhi na liye.

Aur bo iss baat se bahut hi jada proud feel karta hai ki unka car almost ushe free mein padi aur jo true bhi hai. Ye ek example hai assets building ka.

To bo iss process se millionaire aur billionaire to nahin banaa kyunki bo iss process ko continue nahin rakha. lekin average logon se kafi smart nikala. kinu ki unhone iss idea ko execute to kiya.

Rich Dad Poor Dad Robert Kiyosaki

To ham aur ek asset building ka example dete hain, Robert Kiyosaki ki best selling book Rich Dad Poor Dad se. Robert jo ki iss book ke author hai,

Bachpan mein Robert apne dost Mike ke sath rich Dad ke store mein free me kaam karte thee taki wo ye shik sake assets kese banate hain. Robert ne dekha rich dad ke store mein har hapte ek comic book distributor ata hain.

Aur bo distributor apne book ka promotion karne ke liye har hafte 1 comic book store mein chhod jata tha. Robert aur unke dost Mike ne us distributor se poochha bo unka book keya use kar sakte hain.

Fir comic book distributor ne bola haan tum use kar sakte ho lekin iss book ko tum bech nahin sakte. Kyunki agar tum iss book ko bechte ho to ya illegal hoga. Fir Robert aur unke dost ko assets banane ka ek Idea mila.

Fir bo donon friend ne kai hafta tak kahin sara comic book ekattha kiya aur mike ke ghar ke besment mein comic book library kiya. Jis book ko koi bhi baccha us library mein aakar 10 cent pay karke 2 hours taak us book ko read kar sakta hai.

Aur iss library ko manage karne ke liye Mike ne unke sister ko library mein librarian rakha. Unki kam thi bo bacchon se 10 cent collect kare aur books ka dhyan rakhen, aur koi bhi baccha books ko chura na le jaaye uska bhi dhyan rakhen. Aur ye ek win win win situation thi.

Sabse pahle win situation thi un bacchon ke liye jo library mein aakar 2 ghante taak jitne chahe books padh sake. Agar bo market se comic books kharid thee to ek comic books ke piche 20 se 30 cent dena pad sakta thaa. Lekin bo library mein 2 ghante mein 2 se 3 comic books padh sakte thee.

Dusri win situation thi mike ki sister ke liye jine library mein job mila thaa. Mike sister book padhna pasand kartithi bo hamesha library mein books padtithi aur sath mein library ka dhyan bhi rakhtithi. Aur month ke end mein ushe 1 Dollar salary ke hisab se diya jata thaa.

Aur last win situation thi Robert or unke dost Mike ki jo unho ne ek asset banaa liya thaa. Jahan per koi kam kiye bina hi paisa aa raha tha aur 13 sal ki umr mein almost $9.50 dollar per week kama rahe thee.

Agar main iss example ko aaj kal ki shopkeeper se compare karun jo rabat ke according log jo khud ko businessman kahate hain bo actually Businessman nahin hai. Balki bo ek self employed hai, jo unho ne khud ko ek job di hai na ki koi business kholi hai.

Kiunki bo apne business ko kabhi bhi Robert aur Mike ki tarah chhod ke nahin ja sakte. Kiunki agar bo business ko chhodkar jata hai bo paise nahin kama payenge.

To ham me se jin logon ke pass shop hai bo kuch aise idea bana sake jo unke liye shop ek asset ki tarah kam karen. Taki Ham aise aur new shop aur new business mein paise invest kar sake. Aur unhen bhi asset mein convert kar sake. Lekin iske liye hamme time lagega lekin time to invest karna hi padega.

Business idea Robert Kiyosaki

Apne book Rich Dad Poor Dad main Robert Kiyosaki ne apne friend ka aur ek interesting example share kiya.

Robert ki friend unhe ek din bola ki unhe Apne bacchon ki padhaai ke liye paise jodne mein bahut hi mushkil hoti hai. Apne bacchon ki padhaai ke liye Robert ki dost har mahine $300 dollar add karraha thaa aur abhi taak bo $12000 dollar saving kar liya thaa.

Kyunki Robert ka dost ka sabse bada beta 6th class mein thaa isiliye uske pass sirf 12 Saal Bache Thee paise saving karne keliye. Us Waqt phoenix ki property market bahut hi kharab thi log apne makan bech kar jaa rahe thee.

Robert ne apne dost ko suggest kiya jo paise aapne bacchon ki padhaai ke liye sev kar rakhe thee us se bo ek ghar kharid le ye karne se use bahut hi jada fayda hoga.

ye sunte hi Robert ke dost bahut hi jada ghabra gaye aur unhone kaha property ke mamle mein use koi bhi knowledge nahin hai. Aur sath mein uska credit score bahut hi kam hai jiski vajah se koi bhi bank ushe kabhi bhi loan nahin dega.

Robert ne unke dost ko samjhaya ki property ko finance karne mein bahut sare raste hain aur sath mein Robert bhi unki property kharid ne mein madad karegi.

To Robert ke bahut samjhane per unka dost man gaya. Do hafte taak Robert aur unke dost property dekhte rahe finally unhen ek acche locality main 3 bedroom 2 bathroom ka ek ghar mila.

And ghar ke owner ko California mein job mili thi isiliye unhone uss property ko market rate se saste mein bech rahe thee. Iss property ke liye unhone $1,02000 dollar demand kar raha tha kafi negotiate karne per wo apna ghar $79,000 mei bech ne ke liye taiyar ho gaye.

Robert ne apne dost ko uss property ko kharid ne keliye $79,000 dollar ka loan dilva Diya jismein ushe 10% yani $7900 dollar ki down payment karni thi. Aur ye $7900 dollar bo apne bacchon ke liye save kiye gaye $12000 dollar se pay ki.

Robert ki dost usi waqt uss property ko rent mein daal diya iss property ki rental income loan ki EMI se $125 dollars extra thi. isiliye robert ki dost ko apni jeb se loan ke EMI se koi bhi paisa pay nahin karna pada balke vo har mahine extra $125 dollar kama raha thaa.

Robert ke dost ka plan thaa 12 saal taak property ko hold karke rakhenge. Aur waqt mein ushe acche rate per sale kar denge taki vo apne char bacchon ki education ki fees de sake.

Lekin 3 saal ke baad jab phoenix mein property ki rate badhane lagi to ushi $79,000 dollar ke ghar ke liye robot ke dost ko $1,56000 dollar ki offer di. Robert ne use suggestion di ki ushi rate per us ghar ko sale karna chahie. Aur sath mein ushe ek law ke bare mein bhi bataya jiski woja se ushe tax mein bhi bhari chhut mil sake.

To pure loan ko chukane ke bad Robert ke dost ke pass almost ush ghar ko bech kar $80000 dollar ka profith huya. Kuchh salo baad Robert ke madad se un paison ko bhi invite kar diye, ek mini storage factory khareed li aur ushe rent per de diya.

aur ushe har mahine us mini factorie se $1000 dollar rental income  mil ne lage. Fir kuch sal ush ghar ko bhi Robert ke dost  $300000 dollar mein bech diya ye sab shuruaat hua thaa sirf $7,900 invest karne per.

Aur abhi robot ke dost ko apne bacchon ki education ki chinta karne ki koi jarurat nahin padi. Agar vo slow conveyance tarike se chalta vo kabhi itne paise kama nahin paate.

Lekin ye baat sach hai ki har koi ye kaam nahin kar pata jab tak unhen knowledge nahin hota. Lekin unho ne ise Robert ke madad se kiya ji ne pahle se kafi knowledge thi.

How to Gain Knowledge and Rich

To aab sawal aata hai agar ham aisa karna chahe to ham knowledge kahan se laen. sabse acchi baat hai ki hamare se pahle jitne bhi log aaye unho ne already bahut se tarike ko nikal rakhe hain asset banane keliye usi tarike ko sik ke ushe dubara se follow karna hai.

Aur amiron ki aur ek aadat hai jo vo humesa karte hai vo hai books padna. Un Logon ki books padhte hain jisse asset banana sikh sake. To iss article mein aaj ham ye Sikha ke ki amiron ke pass vo sare skill hai jise use kar ke liability ko asset mein convert kar sake.

agar ham logo ye sikhna chate hai kis tarah liability ko asset mein convert karna hai, to ham logon ko un logon ki books padni chahie, example dekhni chahie jo log in skill ko bahut hi acchi tarah se pahle se jante hain.

agar aap Iss tarah ka books parna chahte hain to iss link per click karke ye book ko buy kar sakte hain.

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