现代职场正在经历重大变革。 过去那种线性的职业道路已经一去不复返了。 如今的人们，往往被称为“斜杠世代”， 他们拥有多重角色和身份 – 既是雇员，又可能是自由职业者、企业主和投资家 (Dery, & Javidan, 2016)。 这就需要一种战略性的人力资源管理 (SHRM) 方法，这种方法可以培养工作场所的灵活性，并使个人能够实现其职业和财务目标。
本文探讨了战略管理、财务知识和工作场所灵活性在斜杠世代背景下的协同作用。 它强调了灵活工作安排对组织和个人双方的益处，同时承认了需要解决的挑战。
The modern workforce is undergoing a significant transformation. Gone are the days of the linear career path. Today’s individuals, often referred to as the “Slash Generation,” juggle multiple roles and identities – employee, freelancer, business owner, and investor (Dery, & Javidan, 2016). This necessitates a strategic approach to human resource management (SHRM) that fosters workplace flexibility and empowers individuals to achieve their professional and financial goals.
This article explores the synergy between strategic management, financial literacy, and workplace flexibility in the context of the Slash Generation. It highlights the benefits of flexible work arrangements for both organizations and individuals while acknowledging the challenges that need to be addressed.
在追求财务自由的道路上，一个永恒的辩论是：物质满足感和幸福感之间究竟是什么样的关系？许多人认为拥有大量财富就等于拥有幸福人生，但事实果真如此吗？
物质与经验：截然不同的追求
首先，让我们厘清“物质”和“经验”这两个概念的内涵。“物质”指的是有形的资产，例如房产、汽车、名牌服饰等，它们能为我们的生活提供便利和舒适感。然而，物质的满足感往往是短暂的，随着新鲜感的消退，带来的快乐也会逐渐减弱。就如同小孩子拿到心仪的玩具，最初的欣喜会随着把玩而消散，取而代之的是寻找下一个新鲜刺激的事物。
In the pursuit of financial freedom, a constant debate arises: what is the relationship between material satisfaction and happiness? Many believe that possessing vast wealth equates to a happy life, but is this truly the case?
Materialism vs. Experience: Divergent Paths
Let’s first clarify the concepts of “material” and “experience.” “Material” refers to tangible assets like property, cars, and designer clothes, which can enhance our comfort and convenience. However, material satisfaction is often fleeting; as the novelty wears off, the associated joy gradually diminishes. It’s like a child receiving a coveted toy; the initial excitement fades with use, prompting a search for the next thrilling experience.
您是否准备好释放您的财务潜力，并为富足的生活铺平道路？ 了解财务商数的四个主要阶段的重要性，对于您在职业和人生旅程中导航至关重要。 在这篇文章中，我们将深入探讨财务商数的变革力量，并向您介绍一本名为《奴财》的书籍，它将指导您走向繁荣之路。
财务商数的力量
财务商数是掌控您的财务状况、做出明智决策并最终实现财务自由的关键。 通过深入研究财务商数的重要阶段，您可以为未来繁荣奠定基础。
Are you ready to unlock your financial potential and pave the way to a life of abundance? Understanding the importance of the four major stages of financial intelligence is essential as you navigate your career and life journey. In this inspiring article, we will delve into the transformative power of financial intelligence and introduce you to a book- The Slave of Money, that will guide you on your path to prosperity.
The Power of Financial Intelligence
Financial intelligence is the key to taking control of your finances, making informed decisions, and ultimately achieving financial freedom. By delving into the important stages of financial intelligence, you can set the stage for a prosperous future.
你是否曾经觉得自己职业生涯毫无目标，只是在应付差事？许多人都遇到过这种情况。但是，如果有一种方法可以让你带着目标去规划职业生涯，既能取得成功，又能感到满足呢? 关键在于自我认知。
了解自己 – 你的优势、劣势、价值观和抱负 – 可以让你做出明智的决定，并朝着真正充实的职业生涯迈进。然而，这个旅程并非线性发展。它由一系列阶段组成，每个阶段都伴随着自己的挑战和回报。
让我们探索四个截然不同的职涯阶段，以及自我认知如何引领你度过这些阶段，并提供每个阶段的真实案例，其中包括是成为一名员工还是自己创业的难题：
Have you ever felt like you’re going through the motions in your career? Many people do. But what if there was a way to navigate your professional journey with purpose, achieving success while also feeling fulfilled? The key lies in self-awareness.
Understanding yourself – your strengths, weaknesses, values, and aspirations – empowers you to make informed decisions and chart a course toward a truly fulfilling career. This journey, however, isn’t linear. It’s a series of stages, each with its challenges and rewards.
Let’s explore four distinct career stages and how self-awareness can guide you through them, with real-life examples for each stage, including the dilemma of staying an employee or starting your own business:
If you are able to apply the following 3 rules into your Personal Economy, congratulations, you have come to the next horizon after cash flow management, which is portfolio management.
1. Don’t let debt rise faster than income
Because your debt burdens will eventually crush you
2. Don’t let income rise faster than productivity
Because you will eventually become uncompetitive
3. Do all that you can to raise your productivity
Because in the long run, that’s what matters most
With a simple and luxurious lifestyle, you provide a roof over the heads of yourself and your family, food on the table, books, and of course bills settlement in case of any sickness. You need to believe that the basic lifestyle is not expensive. Always give and share as this makes you believe you have more than enough.
对于马来西亚夫妇来说，财务和谐是蓬勃发展关系的基石。虽然爱情、激情和情感联系构成了坚实的纽带，但财务兼容性在确保这种联系长久持续中发挥着关键作用。
财务分歧的普遍性
统计数据显示，财务分歧是导致关系压力的主要原因之一，常常最终导致离婚或分手。在马来西亚，有41%的离婚是由于财务冲突造成的，有25%的夫妇表示金钱是他们关系中最大的问题。这项统计数据来自马来西亚统计局（DOSM）2023年进行的一项调查。
For Malaysian couples, financial harmony is a cornerstone of a thriving relationship. While love, passion, and emotional connection form the bedrock of a strong bond, financial compatibility plays a pivotal role in ensuring the longevity of that connection.
The Prevalence of Financial Disagreements
Statistics reveal that financial disagreements are a leading cause of stress in relationships, often culminating in divorce or separation. In Malaysia, 41% of divorces in Malaysia are attributed to financial conflicts, and 25% of couples say that money is the biggest issue in their relationship. This statistic is from a 2023 survey conducted by the Department of Statistics Malaysia (DOSM).
马来西亚是东南亚一个快速发展的国家，其家庭的财务状况越来越令人担忧。统计数据描绘了一幅令人担忧的画面，突出了马来西亚公民普遍存在的财务挑战。
• 债务水平上升：令人震惊的72%的马来西亚家庭债务缠身，平均家庭债务收入比达到1.82。这种高债务负担对财务稳定构成重大风险，并阻碍家庭为未来储蓄和投资的能力。
• 储蓄不足：雇员公积金（EPF）的一份报告显示，只有45%的马来西亚EPF成员拥有足够的储蓄，可以在失业或收入中断的情况下维持六个月以上的生活。这种缺乏应急资金使家庭容易受到财务冲击。
• 财务知识不足：马来西亚理财规划协会（MFPC）的一项研究表明，只有42%的马来西亚人拥有基本的财务知识。这种缺乏财务知识导致财务决策不佳，阻碍了财务进步。
The Prevailing Financial Woes of Malaysian Households
Malaysia, a rapidly developing nation in Southeast Asia, faces a growing concern regarding the financial well-being of its households. Statistics paint a concerning picture, highlighting the prevalence of financial challenges among Malaysian citizens.
• Rising Debt Levels: A staggering 72% of Malaysian households are burdened by debt, with an average household debt-to-income ratio reaching 1.82. This high debt burden poses a significant risk to financial stability and hinders the ability of households to save and invest for the future.
• Inadequate Savings: A report by the Employees Provident Fund (EPF) revealed that only 45% of Malaysian EPF members have sufficient savings to sustain themselves for more than six months in the event of job loss or income disruption. This lack of emergency funds leaves households vulnerable to financial shocks.
• Low Financial Literacy: A study by the Malaysian Financial Planning Council (MFPC) indicated that only 42% of Malaysians possess basic financial knowledge. This lack of financial literacy contributes to poor financial decision-making, impeding financial progress.
“如果您还没有立遗嘱或生前信托，或需要更新但尚未这样做，那么您需要阅读有关遗产规划的信息”。
生前信托，又称可撤销生前信托或家庭信托，是一份法律文件，持有您的房地产和资产的所有权或所有权证书。当您创建可撤销生前信托时，您将您的资产所有权转移给信托，这通常称为“资金注入”。然而，当您转移所有权证书时，您并未放弃任何控制权。您仍然可以购买、出售、借贷或转移资产。
“If you have not created a will or a living trust, or need to update them but still haven’t done so, then you need to read the estate planning.” A living trust, also known as a Revocable Living Trust or a Family Trust, is a legal document that holds title or ownership to your real […]
传统上，遗产规划涉及编写遗嘱。遗嘱是一份具有法律约束力的文件，规定了您去世后如何分配您的资产，并命名了一位执行人来协助管理您的遗产。遗产法院可能会监督您的遗产清算，这个过程对于简单遗产来说可能持续6个月，而对于更复杂的遗产可能长达1-2年。
Traditionally, estate planning involves the creation of a will. A will is a legally binding document that addresses how your assets are distributed upon your death, as well as names an executor who will assist with the administration of your estate. The probate court may supervise the settlement of your estate, and this process can […]
遗产规划是一种通过书面的方式，表明您希望在您有生之年如何拥有、管理和保存您的资产，以及您希望在您去世后如何处置这些资产。
遗产规划只对富人或年龄较大的人重要，是一个常见的误解。不幸的是，这并不是事实。在马来西亚，如果您是房产所有者，您的子女或家人可能会受到遗产认证程序的约束。通过提前规划您的遗产，您可以为您的亲人节省数月甚至数年的痛苦，并节省数千令吉的法院费用和/或遗产税。
An estate plan is a written expression of how you would like your assets to be owned, managed, and preserved during your lifetime and how you want them to be disposed of upon your death. It is a common misconception that estate planning is important for only those who are wealthy or advanced in age. […]
亚洲女首富龔如心（Nina Wang Kung Yu-Sum ）于 2007 年 4 月 3 日去世。据说她的遗产价值 42 亿美元。在她逝世几天后，世界各地都报道说，龔如心于在遗嘱中指定了一个人作为唯一的受益人。据进一步报道声称，此人既不是她自己的家人，也不是她已故丈夫的家人。
作为香港商业大亨王德辉的遗孀, 龔如心的企业继承争论是历史上最广为人知的纠纷之一。这场争执使龔如心与她的家翁王廷歆发生了争执。争议的主题，华懋集团是由王德辉最初创立的一家药物公司，并且最终成为香港最大和最著名的公司之一。然而，德辉和如心并无后裔。
Nina Wang, Asia‘s richest woman, died on 3rd April 2007. It was said that her estate was worth $4.2 billion. Days after her death, newspapers around the world reported that Wang named one individual as the sole beneficiary in her will. It was further reported or alleged that this individual was not a member of […]
2007 年 2 月上旬，已故花花公子女伴安娜·妮可·史密斯 (Anna Nicole Smith) 在去世后引发的事件一度成为世界新闻头条。她近年来一直饱受媒体的关注，这除了由于她的明星身份外，也因为她有可能成为她已故丈夫商业帝国重要的继承人。
1994年，26岁的史密斯和89岁的亿万富翁J.霍华德马歇尔（J. Howard Marshall）在史密斯表演的成人娱乐俱乐部里相识后结婚。结婚后一年，霍华德马歇尔去世。不久之后，史密斯与她已故丈夫的儿子 E.皮尔斯马歇尔（E. Pierce Marshall）卷入了一场法律诉讼，内容涉及她已故丈夫 16 亿遗产的一半。
The death of former Playboy playmate, Anna Nicole Smith, in early February 2007 and the events following her demise made world headlines. Apart from her celebrity status, she has been in the media limelight in recent years because she was a potential heir to a substantial part of her late husband’s business empire. In 1994, […]
历年来，我们经常会发现报道中有着许多关于已故企业家的家庭成员在争夺企业所有权和控制权的新闻。当中著名的事件有“商业大亨孀妇为财产起诉”，其中一位新加坡商业大亨的遗孀提起法律诉讼，要求在位于 20 个国家与地区和拥有着39,000 名员工的商业帝国中占有一席之地，并声称这家企业是她已故的丈夫留给她和她前段婚姻的两个儿子。然而，这种纠纷并不只发生在继父母和子女之间。许多企业争夺更是发生在同一父母的兄弟姐妹之间，而且与公司规模大小无关。
大多数富人都是企业家，是有能力的财富缔造者。而多数的财富都在他们的企业中。如果企业争夺由企业家的离世而引发，那么企业本身将毋庸置疑成为争夺的主要目标。因此，倘若您是位企业家，在遗产规划中，您需要对自己的企业做好斟酌考量并实行企业传承规划。
In years, we have seen many stories in the news concerning the fight for ownership and control ofbusinesses among the surviving family members of deceased business owners. One of many such articlesis “Tycoon’s widow sues for fortune” where the widow of a Singaporean-based tycoon commenced alegal suit to claim part of a business empire with […]
“1.05 亿令吉的烂摊子。企业家的后裔对金钱和股份之争夺” 是 2002 年发表在《马来邮报》（The Malay Mail）上的一篇文章并在当时引人注目。这个故事是关于一位马来西亚企业大亨，他于 1995 年去世后，他的孩子在事后引发的一场对价值 1.05 亿令吉的金钱和股票的激烈争夺。由于已故企业大亨在没有立遗嘱的情况下去世，他的孩子们有权平分他的遗产。这导致他的三个儿子非常沮丧，因为他们认为自己才是帮助建立家族企业的大功臣。这篇文章的结尾 “父亲一砖一瓦地建造了他的数百万财产，但它们已经被分割了。
许多成功的企业不会持续超过 2 或 3 代，因为其被分割并不凭借于企业家后代的能力与商业敏锐度来取决。白手起家的美国大亨科尼利尔斯·范德比尔特 (Cornelius Vanderbilt) 去世后，他将自己的几乎全部财产都留给了他的儿子威廉·亨利·范德比尔特。科尼利尔斯没有给他的其他儿子留下任何东西，因为他认为只有威廉才是合适的继承人，并有能力维持范德比尔特的商业帝国。事实科尼利尔斯·范德比尔特是对的。不到九年后，威廉去世时，他的商业帝国价值翻了一倍。然而，威廉自己的遗产却被他的八个孩子瓜分了。
“A RM105 Million Mess: Tycoon’s children fight over cash and shares” was the attention-grabbing title of an article published in The Malay Mail in 2002. The story concerned a Malaysian tycoon whose death in 1995, sparked a bitter quarrel among his many children over the ownership of his cash and shares worth RM105 million. As […]
如果您认为将牛拉上树是一件很困难的事，那么您应该还没有尝试过说服一个人写遗嘱。每个人都会逝世，只是时间问题。我们以将去度假的人为例，他们从未想过他们的航班可能将他们带到人生的终点站。不管您是否认同，你我都不会永远存在。对于那些拥有企业的人来说，您面临着一个重要的难题，当您不再经营该企业时，该企业会发生什么情况。它能运行吗？
有了遗嘱，您的亲人将感谢您选择了更简单、更便宜，更不耗费时间的遗产管理过程来解锁您在公司的股份。
更重要的是，它为您的企业提供了更好的生存机会。由于各种原因，企业可能会在公司股东去世后自然倒闭。例如，企业因家庭纠纷而亏损的情况并不少见。这个问题通常是因为提出索赔的各方无法共处或对企业拥有权的划分方式得不到各方的满意。兄弟姐妹和姻亲之间对控制权和拥有权的激烈争夺有可能对原本有盈利且有前途的企业带来破坏。有了遗嘱，您就可以行使法律赋予的权利来委任您的企业继承人，并防止您的企业利益落入他人之手。因此，它可以避免您的家庭为企业和股份产生纠纷。
If you think pulling a cow up a tree is difficult, you have not tried persuading a person to write a Will. Everybody is dead sure that it is not his time yet. Take for example those who are about to embark for a vacation somewhere. The thought that their flight may take them to […]
当前的疫情危机使许多企业正在面临现金流动的压力。在许多情况下，公司债务被推迟支付，公司可能会被迫停业。
对大多数企业经营者来说，商业是他们的生计、是未来的保障和对未来的投资。企业是企业者和家庭的生计。此外，一个好的企业也会照顾到许多家庭，因为他们的员工会赌上他们自己与公司一起成长。
企业经营者需要考虑的是，企业持续的现金流动就像是身体的氧气；因为这是任何时候都需要注意的!大多数时候, 人会赞同当他们从银行贷款为了改善现金流动是促进业务发展的常见做法, 但贷款通常是以公司的全部或部分资产、物业作为担保、以及现金或其他方式作为抵押品，包括公司业主或董事的个人担保。个人担保是指担保人的资产在公司经营失败时所需要承担的公司债务。
The current pandemic is putting pressure on many businesses’ cash flow. In many cases, company liabilities have been deferred and may even go unpaid, forcing the company to go out of business. For most business owners, their business is their livelihood, security, and investment for the FUTURE. To the owner and their family, the business […]
你想要的财务自由数字是多少?你的银行户口里需要有多少钱才能让你现在不再为别人工作，或者在经济上获得自由?
大多数人用一个很大的数字来回答这个问题。100万美元、200万美元、1000万美元……每个人都想拥有财务自由，但90%的人将财务自由与被动收入或赚很多钱混为一谈。这两个词有时一起使用，但它们的意思完全不同。我们先来复习一下。
财务自由是用来描述当一个人有足够的收入或资金来支付他/她的基本生活开支，他/她的整个生活，而不必受雇于任何人或依赖任何人。
What’s your financial freedom numbers? How much would you need in the bank to be able to stop working for somebody else right now or be able to be financially free? Most people answer that question with a very big number. $1 million, $2 million, $10 million… Everyone would like to have financial freedom, but […]
You were born in the countryside, and Bill Gate’s children were born in Bill Gate’s home. How to compare? The only fair thing is that you and I have 24 hours a day. But how could people really understand that the time is their lives? And to make full use of the time while you […]