Sfat pentru antreprenori: pune deoparte 30% din veniturile afacerii tale si plateste-te
Cand avea doar opt ani, Nik Halik a pus pe hartie cele zece lucruri pe care voia sa le faca in viata. Printre acestea se numarau: sa devina un star rock, sa urce pe cel mai inalt munte din lume, sa ia masa pe Titanic, sa vada 100 de tari si sa devina independent financiar. I-au mai ramas doar doua de indeplinit: sa locuiasca pe o nava spatiala in cosmos si sa mearga pe Luna. Foarte curand probabil le va atinge si pe acestea, avand in vedere ca dupa vizita in Romania, la sfarsitul lui octombrie, va face o calatorie in spatiu.
Nik Halik, care a devenit milionar la 20 de ani, pune mare pret pe educatia financiara si pe faptul ca trebuie sa ne indeplinim visele.
“Orice venituri genereaza afacerea ta in prezent pune deoparte primii 30% si plateste-te. Exista un sistem care domina vietile celor mai multi dintre noi. De obicei liderii platesc pe toata lumea si se lasa pe ei la urma, dar eu cred ca noi suntem cei mai importanti oameni de pe lume, asa ca trebuie sa ne platim pe noi intai. Te pui inaintea tuturor facand acest lucru si te simti mai important”, spune Nik Halik, fondatorul a doua companii financiare, Money Masters Global si Financial Freedom Institute, prezent saptamana trecuta la Bucuresti la conferinta “Young Leaders’ Forum”.
Secretul sau in afaceri? “Nu accept niciodata un raspuns negativ. Pentru mine ‘nu’ inseamna un ‘da’ intarziat”.
Halik investeste de cand avea 14 ani in proprietati si actiuni la bursa. Pana la 17 ani a strans 35.000 de dolari. Atunci in loc sa se inscrie la universitate si sa devina avocat, s-a angajat ca agent de turism si si-a cumparat un bilet dus catre America. Era cel mai tanar din familia sa care a plecat, iar in traditia greaca, cel mai tanar fiu trebuie sa fie cel care ramane acasa si are grija de parinti, dar tocmai el a fost cel care a plecat de-acasa.
“Nu m-am nascut intr-o familie bogata, insa m-am nascut cu mult potential. Sunt fiul unor imigranti saraci. Parintii meu aveau cate doua joburi fiecare, ca noi, cei patru copii, sa mergem la scoli particulare”, povesteste Halik, 37 de ani, care este de parere ca este bine sa fii educat, dar mai important este sa te specializezi intr-un anumit domeniu.
Halik povesteste ca i-a fost greu sa faca primul milion. Cel mai greu lucru pe care trebuie sa il faci este sa creezi o formula pe care sa o urmezi, iar acest lucru dureaza mult timp. Dupa ce a castigat inca zece milioane, lucrurile au mers mai usor pentru ca a trebuit doar sa repete acelasi proces.
“Creez produse si servicii pe care oamenii si le doresc. Am aflat acest lucru facand cercetare si am creat un produs care sa satisfaca acea cerere. Oferta unica de vanzare a mea (USP -unique selling proposition) consta in faptul ca vreau ca oamenii sa fie clientii mei pentru totdeauna si sa reusesc sa le modelez intreaga viata”, explica Halik, care precizeaza ca printre serviciile pe care le ofera se numara asigurarile, serviciile financiare, educatia financiara, dar si vacantele tip aventuri. Pe scurt, Halik incearca sa le arate clientilor cum sa faca bani, dar si cum sa-i cheltuiasca.
Halik precizeaza ca afacerea sa nu este afectata de criza financiara, insa acest lucru ar putea sa ii faca pe oameni sa inteleaga ca le lipseste educatia financiara, intrucat acelasi ciclu de evenimente a mai avut loc de-a lungul istoriei.
“Exista o lipsa de credite pe piata si toata lumea are o singura sursa de venit. Eu cred ca trebuie sa ai cel putin cinci surse de venit. Eu am venituri pasive si active. Un venit pasiv este cel care nu necesita prezenta mea. Am 15 surse diferite de venit, dintre acestea 10 sunt pasive si 5 active, care vor deveni pasive apoi. De asemenea, pe viitor, voi dezvolta alte cinci afaceri care vor avea nevoie de prezenta mea in faza de inceput pana se va construi fundatia, iar obiectivul meu este sa le fac tot pasive”, explica Halik.
Inainte de a face anumite produse sau servicii, Halik cerceteaza care sunt dorintele consumatorilor, si, in functie de intenstitatea cererii, creeaza produsul.
“De multe ori, am vandut produse pe care nici macar nu le aveam, dar am creat produsul pentru a satisface cererea. Un retailer traditional cumpara produsele, plateste taxele, plateste salarii, deschide usile si abia apoi spera sa gaseasca clienti care sa cumpere produsele. Cred ca aceasta este o metoda prea traditionala, prea ‘old school’”, crede Halik.
In opinia sa, managerii romani sunt de apreciat pentru ca au cunostinte foarte bune de limba engleza si, de asemenea, au idei foarte bune.
“Am calatorit mult prin Europa de Est si cred ca Romania se numara printre primele tari cu un nivel ridicat de inteligenta. Sunt multe idei bune aici si mult potential nedescoperit”, spune Halik, care a lansat de curand universitatea online Success University si pe plan local.
In opinia sa, succesul depinde foarte mult de sistemul de credinte al fiecaruia si de pasiunile fiecaruia, pe langa modelele de business pe care le aplici.
Halik a investit foarte mult timp sa inteleaga cine este si sa lucreze la dezvoltarea sa personala.
“Studiindu-ma si intelegandu-mi dorintele, banii au fost doar un produs secundar al acelui mod de gandire. Nu mi-am spus de la inceput ca vreau sa fac multi multi bani. Am petrecut prima jumatate a vietii mele lucrand cu interiorul meu. Definind cine sunt eu. 99% e psihologie si 1% e strategia in sine de a produce bani si bunastare”, explica Halik, care este de parere ca un vis neimplinit te poate bantui toata viata.
O alta nemultumire a sa este faptul ca educatia financiara n-a fost niciodata predata in scoli. “Daca ai datorii traiesti in frica, frica de a-ti pierde casa, masina. Cum sedezi o populatie? Incurajandu-i sa aiba datorii. Cand ai datorii esti sedat si e mai putin probabil sa faci parte din clasa care se va inalta. Sistemul educational care exista acum iti spune sa-ti iei o slujba, una singura, o singura sursa de venit. Nu este important cati bani castigi, ci cum investesti acei bani ca sa creezi alte fonduri”, conchide Halik.
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