1、做你真正感爱好的事——你会花很多时间在上面，因此你一定要感兴 趣才行，假如不是这样的话，你不合愿意把时间花在上面，就得不到成功。 2、自己当老板，为别人打工，你绝不会变成巨富，老板一心一意地缩减 开支，他的目标不是使他的职员变成有钱人。 3、提供一种有实效的服务，或一种实际的产品，你要以写作、绘画或作 曲变成百万富翁的机会可以说是无限小。而你要在营造业、房地产、制造 业发大财的机会比较大。记住，出版商赚的钱比作家多得多。 4、假如你坚持要又自己的灵感来创业。最好选择娱乐业，在这方面，发 财的速度相当快，流行歌曲和电视最理想。 5、不论你是演员或商人。尽量增加你的观众，在小咖啡馆唱歌的人，所 赚的钱一定比不上替大唱片公司灌唱片的人，地方性的商人，不会比全 国性的商人赚得的钱多。 6、找出一种需要，然后满足它，社会越变越复杂，人们所需要的产品和 服务越来越多，最先发现这些需求而且满足他们的人，是改进现有产品和 服务的人，也是最先成为富翁的人。 7、不要不敢采用不同的方式——新的方法和新产品，会造成新的财富。 但必须确定你的新方法比旧方法更理想，你的新方法必须增进产品外观、 效率、品质、方便或者减低成本。
8、假如你受过专业教育。或者非凡才 能，充分利用它，假如你烧得一手好菜，而要去当泥水匠，那就太笨了。 9、在你着手任何事情之前，仔细地对四周的情形研究一番，政府机关和 公共图书馆，可以提供不少资料，先做研究，可以节省你不少时间和金钱。 10、不要一直都想着发大财，不如你想想如何改进你的事业，您应该经常 问自己的是：“我如何改良我的事业？”如何使事业进行顺利，财富就会 跟着而来。 11、可能的话，进行一种家庭事业，这种方法可以减低费用，增进士气， 利润的分配很简单，利润能够得到充分的利用，整个事业控制也较轻易。 12、尽可能减低你的费用，但不能牺牲你的品质，否则的话，你等于是在 慢性自杀，赚钱的机会不会大。 13、跟同行的分维持友谊——他们可能对你很有帮助。 14、尽量把时间花在你的事业上，一天十二小时，一星期六天。是最低的 要求，一天十四小时到十八小时是很平常，一星期工作七天最好了。你必 须先生家庭和社会上的娱乐，直到你事业站稳为止，也只有到那时候，你 才能把责任分给别人。 15、不要不敢自己下决心，听听别人的赞美和批评，但你自己要下决心。 16、不要不敢说实话，拐弯抹角，只会浪费时间，心理想什么，就说什么， 而且要尽可能地直截了当地、明确地说出来。 17、不要不敢承认自己的错误，犯了错误并不是一种罪行，犯错不改才是 罪过。 18、不要因为失败就裹足不前，失败是难免的，也是有价值的，从失败中， 你会学到正确的方法论。 19、不要在不可行的观念上打转，一发现其某种方法行不通，立即把它放 弃，世界上有无数的方法，把时间浪费在那些不可行的方法上是无可弥补 的损失。 20、不要冒你承担不起的风险，假如你损失十万元，若损失的起的话，就 可以继续下去，但假如你赔不起五万元，而一旦失败的话，你就完蛋了。 21、一再投资，不要认你的利润空闲着，你的利润要继续投资下去，最好 投资别的事业或你控制的事业上，那样，钱才能钱滚钱，替你增加好几倍 的财富。 22、请一位高明的律师——他会替你节约更多的金钱和时间，比起你所给 以的将要多得多。 23、请一位精明的会计师，最初的时候，你自己记账，但除非你本身是个 会计师，你还是请一位精明的会计师，可能决定你的成功和失败——他是 值得你花钱的。 24、请专家替你报税，一位机灵的税务专家，可又替你免很多的税。 25、好好维持你的健康和你的平静心灵——否则的话，拥有再多的钱也没 有什么意思。
2.23.2008
2.19.2008
12 steps to become a millionaire
You don't have to own the company or be a CEO. Here's how to build a rich nest egg one paycheck at a time.
Article IndexBy Kiplinger's Personal Finance Magazine
A number of the people profiled in "Millionaires tell how they did it" made their millions as entrepreneurs. But working for the Man doesn't mean you have to be a wage slave or resort to buying lottery tickets to strike it rich. The trick is to maximize your income on the job (and know when to move on), make the most of your employee benefits and tax breaks and use that extra money to start investing.
1. Keep your eyes peeled for better ways to do your job. Streamline a procedure, shave costs, create a new profit center, become an expert on a specific topic, volunteer for a company committee -- anything that will make you stand out as a prime candidate for a promotion or a pay boost.
2. Don't be afraid to negotiate. In a study of master's degree graduates from her university, Carnegie Mellon economics professor Linda Babcock found that those who negotiated their first salary boosted their pay by 7.4% compared with those who didn't bargain.
3. Get your ducks in a row and your numbers on paper. If possible, quantify how much your efforts add to the company's bottom line. If that's not feasible, spotlight your value with comparable salaries for workers in your position from a Web site, such as Salary.com, or from a professional association.
4. Plot your strategy when it's time to move on. Create a professional-looking page on MySpace that tells prospective employers why you're an exceptional candidate, recommends John Challenger of the outplacement firm Challenger, Gray & Christmas. And don't neglect more conventional networking: Join a professional association or show up at school reunions toting business cards.
Milk your benefits 5. Contribute as much as you can to your 401(k) and other tax-deferred retirement plans. You'll not only build a bigger nest egg, but you'll also cut your tax bill. In the 25% federal tax bracket, every $1,000 you contribute to a 401(k) trims your taxes by $250. And you'll save on state income taxes, too.
6. Flex your tax-saving muscle. Contribute pretax dollars to a flexible spending account to pay for dependent care or out-of-pocket medical expenses. If you set aside $1,500 per year and you're in the 25% bracket, avoiding federal income and Social Security taxes means Uncle Sam will subsidize almost $500 of your expenses.
7. Review your tax withholding. If you're expecting a refund this spring, you're having too much tax withheld from your paycheck -- and making an interest-free loan to Uncle Sam. That's no way to become a millionaire. Put more money in your pocket by using Kiplinger's withholding calculator and then filling out a new Form W-4.
8. Stash savings in a Roth IRA if you're eligible. Withdrawals in retirement, including decades of compounded earnings, will be tax-free. This year, income-eligibility limits for a Roth increase to $114,000 for individuals and $166,000 for married couples.
Invest like crazy 9. Don't delay. The quicker you get a jump on putting money aside, the easier it will be to stuff a seven-figure cushion. If you start at age 25, for example, investing $286 per month will get you $1 million by age 65, assuming you earn 8% annually.
10. Invest automatically, either through your employer's retirement plan or by setting up a regular deposit to a mutual fund or broker. You'll never miss the money, and you'll avoid two big mistakes: buying too much when stock prices are high and not buying at all when prices fall.
11. Watch for fund fees. The more you pay, the tougher it is to earn an above-average return. The typical hedge fund, for example, takes 20% of any gains, a huge hurdle to overcome. A better bet: no-load mutual funds with expense ratios of 1% or less. If you trade individual stocks, watch those commissions.
12. Keep it simple. Be wary of get-rich-quick schemes or sales pitches for complex investments, such as oil-and-gas partnerships, that trade on the millionaire cachet to lure investors into buying high-fee products they don't understand. Most millionaire households accumulate their wealth over the long term by sticking to a regular investing plan in a balanced portfolio.
Article IndexBy Kiplinger's Personal Finance Magazine
A number of the people profiled in "Millionaires tell how they did it" made their millions as entrepreneurs. But working for the Man doesn't mean you have to be a wage slave or resort to buying lottery tickets to strike it rich. The trick is to maximize your income on the job (and know when to move on), make the most of your employee benefits and tax breaks and use that extra money to start investing.
1. Keep your eyes peeled for better ways to do your job. Streamline a procedure, shave costs, create a new profit center, become an expert on a specific topic, volunteer for a company committee -- anything that will make you stand out as a prime candidate for a promotion or a pay boost.
2. Don't be afraid to negotiate. In a study of master's degree graduates from her university, Carnegie Mellon economics professor Linda Babcock found that those who negotiated their first salary boosted their pay by 7.4% compared with those who didn't bargain.
3. Get your ducks in a row and your numbers on paper. If possible, quantify how much your efforts add to the company's bottom line. If that's not feasible, spotlight your value with comparable salaries for workers in your position from a Web site, such as Salary.com, or from a professional association.
4. Plot your strategy when it's time to move on. Create a professional-looking page on MySpace that tells prospective employers why you're an exceptional candidate, recommends John Challenger of the outplacement firm Challenger, Gray & Christmas. And don't neglect more conventional networking: Join a professional association or show up at school reunions toting business cards.
Milk your benefits 5. Contribute as much as you can to your 401(k) and other tax-deferred retirement plans. You'll not only build a bigger nest egg, but you'll also cut your tax bill. In the 25% federal tax bracket, every $1,000 you contribute to a 401(k) trims your taxes by $250. And you'll save on state income taxes, too.
6. Flex your tax-saving muscle. Contribute pretax dollars to a flexible spending account to pay for dependent care or out-of-pocket medical expenses. If you set aside $1,500 per year and you're in the 25% bracket, avoiding federal income and Social Security taxes means Uncle Sam will subsidize almost $500 of your expenses.
7. Review your tax withholding. If you're expecting a refund this spring, you're having too much tax withheld from your paycheck -- and making an interest-free loan to Uncle Sam. That's no way to become a millionaire. Put more money in your pocket by using Kiplinger's withholding calculator and then filling out a new Form W-4.
8. Stash savings in a Roth IRA if you're eligible. Withdrawals in retirement, including decades of compounded earnings, will be tax-free. This year, income-eligibility limits for a Roth increase to $114,000 for individuals and $166,000 for married couples.
Invest like crazy 9. Don't delay. The quicker you get a jump on putting money aside, the easier it will be to stuff a seven-figure cushion. If you start at age 25, for example, investing $286 per month will get you $1 million by age 65, assuming you earn 8% annually.
10. Invest automatically, either through your employer's retirement plan or by setting up a regular deposit to a mutual fund or broker. You'll never miss the money, and you'll avoid two big mistakes: buying too much when stock prices are high and not buying at all when prices fall.
11. Watch for fund fees. The more you pay, the tougher it is to earn an above-average return. The typical hedge fund, for example, takes 20% of any gains, a huge hurdle to overcome. A better bet: no-load mutual funds with expense ratios of 1% or less. If you trade individual stocks, watch those commissions.
12. Keep it simple. Be wary of get-rich-quick schemes or sales pitches for complex investments, such as oil-and-gas partnerships, that trade on the millionaire cachet to lure investors into buying high-fee products they don't understand. Most millionaire households accumulate their wealth over the long term by sticking to a regular investing plan in a balanced portfolio.
2.16.2008
7 painless moves to save $1,000
Do you wish you could save an extra $1,000 this year without downgrading your lifestyle?
It is possible to save big bucks by making small changes in your spending. At first blush, the amounts may not seem like much. However, taken together over the course of a year, they really add up.
Here are seven tips to give yourself a $1,000 raise:
1. Look for discounted dinner entrees Saving money doesn't mean you can't enjoy meals at your favorite restaurants. Discounts can be found in the mail, in your local newspaper or online.
"Before you head out to eat, check out your restaurant online," says Fatima Mehdikarimi, the founder of the coupon Web site The Shopping Queen. "Or, after you arrive, simply ask the manager if they have any special promotions. Don't forget to ask about promotions that are offered on other days or times."
Mehdikarimi notes that one restaurant near her home has a relationship with a local movie theater, and diners can get a discount on an entree if they present a ticket stub.
"Your restaurant might not advertise these types of specials, so definitely ask about them," she says.
If you received a half-off-your-entree special or similar promotion a couple of times a month, and each discount was worth $5, the savings would top $120 after a year.
2. Return unopened, unused items Many times, extra money may be even closer at hand than you might think.
"If you're looking for extra money, your closets or drawers are a good place to start," says John Mruz, the president of Juggling Duck Organizers in Morristown, N.J.
Nearly everyone has a recently purchased product they will never use: the too-large blouse that still has the tag on it or an unopened set of salt-and-pepper shakers that didn't fit the kitchen decor. Try to return the item to get your money back, Mruz says.
Even if you can't find your receipt, the retailer may accept the return for a store credit.
"I bought $90 worth of new energy-efficient light bulbs for my kitchen a few months ago -- for the purpose of saving money -- only to find that I had the wrong size," says Mruz.
He meant to return the bulbs and exchange them for the correct size but didn't get around to it right away. Eventually, he forgot about them.
"I put the bulbs in the basement, and they soon got covered over by random junk," Mruz says. He recently discovered them when he was clearing out his basement.
"Fortunately, my home-center retailer had a generous return policy," he says. For Mruz, clearing some clutter from his basement meant an increase of $90.
3. Look for extra grocery savings There are several opportunities to save at the local grocery store, even if you don't clip coupons.
"When you enter a store, check to see if there are sales ads located near the front," says Mehdikarimi.
You might find a coupon for a purchase you were planning to make. Just make sure the sales don't entice you to buy items that were not already on your shopping list. If you don't find any deals at the store's entrance, there's still a chance to save money at the checkout counter.
"Ask the cashier if there are any coupons or specials going on that would apply to any of your purchases," Mehdikarimi says.
By getting in the habit of asking about sales each time you pay for your groceries, you could regularly discover discounts for items that you were already planning to purchase. The clerk might have extra coupons on hand, or a manager who's ringing up your groceries might let you know about a special offered on one of your brands.
Even a customer may help you if he or she hears your question and mentions a two-for-one deal that you had missed.
Another way to save is to sign up for store coupon clubs.
"Grocery stores have many programs that allow you to get discounts for purchases," says Mehdikarimi.
If your grocer has a baby club, for example, signing up for the program could save you hundreds of dollars in diapers, infant food and other baby products over the course of a year.
If you could shave just $4 off your bill during each weekly shopping trip, the total savings would be more than $200 a year.
4. Check out materials from the library The next time you plan to buy or rent a movie, head over to your local library instead and borrow the video for free. Many libraries stock DVDs -- movie classics and newer titles -- and compact discs with generous borrowing periods. If you need children's videos, visit the juvenile area for new cartoons and educational selections.
While you are at the library, see if they have the latest book releases. Many libraries post best-seller lists, and they probably have several copies of many titles. Remember to return everything on time; libraries charge late fees just like rental stores do.
If you want reading material but you don't want to leave home, call your local library and ask if they offer e-books that can be downloaded to your computer.
If you borrowed just two books or movies a month that you would otherwise buy or rent, you could save $120 to $240 per year.
5. Bundle cable, phone and Internet services If you can't live without your cable, telephone and Internet access but the monthly bills are getting uncomfortably high, consider bundling all of your services under one company.
"With the competition for cable and Internet being so high, there's a good chance that you can negotiate a promotional rate," Mehdikarimi says.
Just be aware that unexpected fees could be added to that low quoted rate.
"Because of taxes and other state-imposed fees, the overall savings for a bundle might not be as great as you may have been led to believe," says Mruz. However, your bill could still be much less than if you paid for the services separately.
Even if you don't opt for a bundled package, ask your providers for a price break.
"If your rates are too high, call some other companies to find their rates. Then call your current provider and ask them to match the price," Mehdikarimi says. "My philosophy is that it never hurts to ask."
If you were able to reduce your total fees by $20 a month, that would add up to $240 for the year.
6. Negotiate with monthly service providers Once you get off the phone with your cable, Internet and telephone provider, call your alarm company, lawn-care person and any of your other monthly service providers to negotiate prices. Depending on where you live, you might even be able to negotiate natural-gas rates.
"Obviously, you're not going to get very far with monopoly utilities, but for the companies that have competition, you can definitely negotiate your price," says Mehdikarimi.
In each case, find what out what the competitors are charging. Then ask your provider to match the price.
Don't get discouraged if the first person you speak with can't approve a rate decrease. "You might need to ask for a supervisor," Mehdikarimi says.
One tip is to call during normal business hours to increase the chances of reaching a supervisor who can authorize a rate change.
If the idea of negotiating for a better price sounds intimidating, remember that the conversation can be pleasant, even if you have to ask the customer-service representative to put the boss on the phone.
"The call doesn't have to be confrontational," says Mehdikarimi. "Remember that you'll be in a telephone situation where you're not looking at someone face to face. Tell yourself that they're a random person, and after this call, you'll never have to see them again."
If you saved just $10 a month negotiating all your monthly services, you'd save an extra $120 a year.
7. Stash money for easier savings next year
By making these barely noticeable changes to your lifestyle, you could save as much as $1,000 over the next year. But how could you increase your savings in future years?
Bill Billimoria, a personal-finance expert and the author of "On Golden Pond . . . Or Up the Creek?" suggests letting your cash work for you.
"Take the money you saved so far and put it into a high-interest savings account or mutual fund," he says. "Then let compounding interest do the magic."
If you place $1,000 in an account that pays a 7% annual return on investment, the original amount will nearly double after 10 years. That means twice the money for no extra work.
Saving money by doing "nothing" can be a very lucrative habit.
It is possible to save big bucks by making small changes in your spending. At first blush, the amounts may not seem like much. However, taken together over the course of a year, they really add up.
Here are seven tips to give yourself a $1,000 raise:
1. Look for discounted dinner entrees Saving money doesn't mean you can't enjoy meals at your favorite restaurants. Discounts can be found in the mail, in your local newspaper or online.
"Before you head out to eat, check out your restaurant online," says Fatima Mehdikarimi, the founder of the coupon Web site The Shopping Queen. "Or, after you arrive, simply ask the manager if they have any special promotions. Don't forget to ask about promotions that are offered on other days or times."
Mehdikarimi notes that one restaurant near her home has a relationship with a local movie theater, and diners can get a discount on an entree if they present a ticket stub.
"Your restaurant might not advertise these types of specials, so definitely ask about them," she says.
If you received a half-off-your-entree special or similar promotion a couple of times a month, and each discount was worth $5, the savings would top $120 after a year.
2. Return unopened, unused items Many times, extra money may be even closer at hand than you might think.
"If you're looking for extra money, your closets or drawers are a good place to start," says John Mruz, the president of Juggling Duck Organizers in Morristown, N.J.
Nearly everyone has a recently purchased product they will never use: the too-large blouse that still has the tag on it or an unopened set of salt-and-pepper shakers that didn't fit the kitchen decor. Try to return the item to get your money back, Mruz says.
Even if you can't find your receipt, the retailer may accept the return for a store credit.
"I bought $90 worth of new energy-efficient light bulbs for my kitchen a few months ago -- for the purpose of saving money -- only to find that I had the wrong size," says Mruz.
He meant to return the bulbs and exchange them for the correct size but didn't get around to it right away. Eventually, he forgot about them.
"I put the bulbs in the basement, and they soon got covered over by random junk," Mruz says. He recently discovered them when he was clearing out his basement.
"Fortunately, my home-center retailer had a generous return policy," he says. For Mruz, clearing some clutter from his basement meant an increase of $90.
3. Look for extra grocery savings There are several opportunities to save at the local grocery store, even if you don't clip coupons.
"When you enter a store, check to see if there are sales ads located near the front," says Mehdikarimi.
You might find a coupon for a purchase you were planning to make. Just make sure the sales don't entice you to buy items that were not already on your shopping list. If you don't find any deals at the store's entrance, there's still a chance to save money at the checkout counter.
"Ask the cashier if there are any coupons or specials going on that would apply to any of your purchases," Mehdikarimi says.
By getting in the habit of asking about sales each time you pay for your groceries, you could regularly discover discounts for items that you were already planning to purchase. The clerk might have extra coupons on hand, or a manager who's ringing up your groceries might let you know about a special offered on one of your brands.
Even a customer may help you if he or she hears your question and mentions a two-for-one deal that you had missed.
Another way to save is to sign up for store coupon clubs.
"Grocery stores have many programs that allow you to get discounts for purchases," says Mehdikarimi.
If your grocer has a baby club, for example, signing up for the program could save you hundreds of dollars in diapers, infant food and other baby products over the course of a year.
If you could shave just $4 off your bill during each weekly shopping trip, the total savings would be more than $200 a year.
4. Check out materials from the library The next time you plan to buy or rent a movie, head over to your local library instead and borrow the video for free. Many libraries stock DVDs -- movie classics and newer titles -- and compact discs with generous borrowing periods. If you need children's videos, visit the juvenile area for new cartoons and educational selections.
While you are at the library, see if they have the latest book releases. Many libraries post best-seller lists, and they probably have several copies of many titles. Remember to return everything on time; libraries charge late fees just like rental stores do.
If you want reading material but you don't want to leave home, call your local library and ask if they offer e-books that can be downloaded to your computer.
If you borrowed just two books or movies a month that you would otherwise buy or rent, you could save $120 to $240 per year.
5. Bundle cable, phone and Internet services If you can't live without your cable, telephone and Internet access but the monthly bills are getting uncomfortably high, consider bundling all of your services under one company.
"With the competition for cable and Internet being so high, there's a good chance that you can negotiate a promotional rate," Mehdikarimi says.
Just be aware that unexpected fees could be added to that low quoted rate.
"Because of taxes and other state-imposed fees, the overall savings for a bundle might not be as great as you may have been led to believe," says Mruz. However, your bill could still be much less than if you paid for the services separately.
Even if you don't opt for a bundled package, ask your providers for a price break.
"If your rates are too high, call some other companies to find their rates. Then call your current provider and ask them to match the price," Mehdikarimi says. "My philosophy is that it never hurts to ask."
If you were able to reduce your total fees by $20 a month, that would add up to $240 for the year.
6. Negotiate with monthly service providers Once you get off the phone with your cable, Internet and telephone provider, call your alarm company, lawn-care person and any of your other monthly service providers to negotiate prices. Depending on where you live, you might even be able to negotiate natural-gas rates.
"Obviously, you're not going to get very far with monopoly utilities, but for the companies that have competition, you can definitely negotiate your price," says Mehdikarimi.
In each case, find what out what the competitors are charging. Then ask your provider to match the price.
Don't get discouraged if the first person you speak with can't approve a rate decrease. "You might need to ask for a supervisor," Mehdikarimi says.
One tip is to call during normal business hours to increase the chances of reaching a supervisor who can authorize a rate change.
If the idea of negotiating for a better price sounds intimidating, remember that the conversation can be pleasant, even if you have to ask the customer-service representative to put the boss on the phone.
"The call doesn't have to be confrontational," says Mehdikarimi. "Remember that you'll be in a telephone situation where you're not looking at someone face to face. Tell yourself that they're a random person, and after this call, you'll never have to see them again."
If you saved just $10 a month negotiating all your monthly services, you'd save an extra $120 a year.
7. Stash money for easier savings next year
By making these barely noticeable changes to your lifestyle, you could save as much as $1,000 over the next year. But how could you increase your savings in future years?
Bill Billimoria, a personal-finance expert and the author of "On Golden Pond . . . Or Up the Creek?" suggests letting your cash work for you.
"Take the money you saved so far and put it into a high-interest savings account or mutual fund," he says. "Then let compounding interest do the magic."
If you place $1,000 in an account that pays a 7% annual return on investment, the original amount will nearly double after 10 years. That means twice the money for no extra work.
Saving money by doing "nothing" can be a very lucrative habit.
一个主操盘手披露的真实坐庄内幕
笔者利用私人交情，非常有幸的与一位国内股票界饶有名气的主操盘手做了一次私访，借此机会和大家一起深入了解一下这些投资者平日无法接触到的坐庄内幕和坐庄手法，希望可以让大家通过此知道一些股票屏幕背后的故事并从中得到一点启示。
笔者：大家知道，一般认为对于持有较多股票的人会成为清洗对象，为什么？
被访者：庄家在拉升前必须要做到自己的持仓成本要低于市场平均持仓成本，所以洗盘和震仓尤为重要。
笔者：在研究筹码分布的情况下，庄家还需要关注什么呢？
被访者：你要控制个股的盘面，同时必须密切关注大盘的走势。大盘的走势有时需要分秒不落地时刻关注。
笔者：只有利用好大势才能达到事半功倍的效果。
被访者：对。当大盘趋势明朗时，最重要的是个股的目标价位和对盘面的控制。在任何时候，需要解套盘和获利盘有一个固有的比率，我们需要看盘时并不着重于散户的举动，构成威胁的是较大资金的中长线投资者，他尝到甜头后，还会吸引更多的跟风，一定的跟风是我们需要的，但绝不希望他们在底位跟风，必须控制大资金长时间的连续性动作，必须让长线投资者和短线投资者在相对高位形成换手，提高市场平均成本，我们的底仓才会在以后的高点获利。跟风盘的一举一动，直接关系到成败
笔者：你们是不是在前一天就要计划好第二日的走势？
被访者：事实上，坐庄需要一个非常详细的计划。早在坐庄之前就应该把完整的计划做好，包括计划达到多高的价位，在什么位置需要整理洗盘，有可能出现什么情况，应如何应对，回调的幅度有多大，在每一个关键位置重要的技术指标会达到多少等等。在拉升阶段，可能每天收市后都要开会研究。
笔者：看来坐庄不光风光，也是很累的。
被访者：坐庄非常辛苦，尤其是坐大庄。只有一种情况例外，那就是坐快庄，只需要几个操盘手就够了，也不需要定计划，因为盘面也不好控制，完全靠随机应变，相机行事，前提是资金实力非常雄厚。
笔者：我们经常听到“洗盘”这个词，什么时候需要洗盘，有没有洗不出去的筹码。
被访者：查觉到较大资金进来，或在低位有大量的跟风盘时是要洗盘的，但庄家受资金和时间的限制，也有无法完成洗盘的情况。例如正当要开始大幅拉升时，突然发现有大资金进场，此时庄家也会感到为难。有时会调查资金的来历，并主动找对方联系希望达成默契。
笔者：遇到难以达成默契的时候怎么办？
被访者：如果外来资金进场仅仅是为了分一杯羹，一般庄家也会容忍它。就怕它是进来捣乱的，它不服从你的安排，而且干扰你的操作。对于这样的角色，庄家对付你可能会不择手段。
笔者：不择手段？！能举个例子吗？
被访者：在市场上很多较量就是在为生存而战，有些故事还是不说为好。
笔者：除此以外，是不是还有通过各种关系得到消息进场的资金，即所谓的“老鼠仓”。
被访者：“老鼠仓”总有的，资金太大也会看出来，除非它分仓分得非常好。
笔者：你们怎么对付老鼠仓？
被访者：一定要沟通，在沟通过程中也要有减仓行为，我们在坐庄过程中心里很清楚哪些筹码是自己人的，谁透露了消息，我们最清楚，超过了我们能容忍的限度一定要给对方暗示。如果对方太贪，我们是一定要住他的
笔者：做一只股票，通常需要分成多少个账户操作？ 被访者：如果做短线，有十几个账户就成了，主要是为了避免被迫举牌。现在监管严格了需要几千个账号。
笔者：听说坐庄用的身份证大多是去农村收购的。账户太多，你们如何下单？
被访者：下单并不麻烦，因为不光是通过人工下单，更多的是通过电脑下单平均分配到各个账户，那些账户都是一带五十，一带一百。
笔者：吸货需要多长的时间？
被访者：这主要看手法，有时需要半年以上，那就需要慢慢买进，不允许放量，也不能有太大的波动，总之，不能引起市场注意。
笔者：采用这种手法吸货的资金是不是比较干净一些(指主要是自有资金)。
被访者：没有完全干净的资金，他可以使用很长的时间吸货只说明他可以***受较高的利息。
笔者：要坐庄至少得需要控制多少筹码？
被访者：一般至少应占流通市值的８０％，以４０００万股，６元左右的盘子为例，需要动用２至３个亿的资金控制２８００万～３０００万左右的筹码，最快需要两个星期，在一定时段内，吸筹时间越长，成本越低，反之亦然。控盘太多，股性就差了。剩下的流通筹码要用于洗盘，同时也受大盘走势、操作手法的影响。
笔者：这些筹码都是你们买进吗？
被访者：别误会，我指的是可控制的流通市值，在一定阶段我们需要部分资金进来参与锁仓，也就是买进后，在我发出指令前暂不卖出，这些锁仓的人，一般也是一些比较近的朋友。
笔者：坐庄要想最终能获利了结，至少要达到多大的涨幅？
被访者：通常最少要达到启动价位的一倍。否则很难全身而退。
笔者：在吸货的过程中，如果发现另一家机构也在吃货怎么办？
被访者：你是说对手盘，一般连续的大单子就是你的对手盘。
笔者：怎样对付对手盘呢？
被访者：看到有对手盘同你抢筹码时，多数情况下会连续抛出几笔，观察对手是否敢接单，并据此判断对手的实力。
笔者：这时会不会串通上市公司发利空，籍此吓走对手盘？
被访者：不会的，对方只要稍有水平，并不会在意消息面的影响。对付对手盘主要靠盘面语言，比如用大的买单或卖单告知对方自己的意图，或者用特殊数字含义的挂单比如１４１４(要死要死)等，而一般投资者是绝不会这样挂单的。
笔者：如果发现对方实力很强怎么办？
被访者：一定要跑掉，慢慢跑，最后向下砸盘套住他。
笔者：吸货到一定程度开始拉升时，手中应有多少资金？
被访者：当手中的筹码成本在计划之内时，如果手中还留有２／３的资金一般就可以拉升了，当然资金充裕一些，更显得得心应手，要防止资金链的断裂，否则会有灭顶之灾。
笔者：庄家在拉升时，是不是不愿意别人跟进？
被访者：不一定，庄家最希望的是在拉升中不断有人买进、有人卖出，始终保持盘面活跃。
但是好的操盘手，拉升期不会增加任何仓位，是边拉边出，拉升的时间很短，一般是其他时间的四分之一到五分之一，否则其操盘技巧就难以恭维了。拉高需要两三个星期，但出货需要半年，关键是要全身而退。
笔者：股民都知道庄家在完成筹码的收集和股价拉升后，就会准备出货了。但是我们也常常看到有的股票好象刚开始拉升，可你一旦跟进，它会很快调头向下，待你明白他是在出货时，往往为时已晚。这又是怎么回事呢？
被访者：庄家做盘的精髓就在于出人意料，庄家通过各种盘面语言向股民灌输一种思维定式，当大多数股民形成这种操作习惯时，就是庄家反其道行之的时候。也就是说，当大家都认为该涨时，下跌也就为时不远了。庄家要实现顺利出货就必须通过盘面语言达到调动散户的目的。
笔者：你们先要使市场形成一致性，然后再利用这种一致性。
被访者：你们玩的是借市场之力，以求达到四两拨千斤的效果。
笔者：股评家们总说，抛开大盘炒个股，而你好象特别看中大势。
被访者：时势造英雄，能看准大势的人是最优秀的投资者，所谓抛开大势看个股是因为他看不懂大势。有时高手只需要２０％的筹码就可以控制股价走势，玩儿的是空城计，尤其在大盘股里，最高超的是利用别人的资金往上打，我们起的是煽风点火的作用，要利用大势。孙子曰：兵者诡道也，故能而示之不能，用而示之不用，说的就是兵不厌诈的道理，明明已经拉不高了可以用技巧掌握时机，瞬间推高股价，吸引跟风，市场的力量是强大的，有时跟风的力量足以使股价上涨１０％，甚至更多。股票在上升过程中，可能某一关键价位不好拉，这时候需要吸引跟风，需要技巧，所谓技巧就是更好地利用市场的力量。
笔者：人们常说，市场中的有些Ｋ线异动是庄家在行贿，你们通过盘口送过礼吗？
被访者：我们不需要送礼，这有悖职业道德，何况那本身也是一种违规行为，股价异动是为了引起市场的注意，只有在需要时才划线，是为了影响市场的心理，达到引导市场买或卖的目的。
笔者：在这个市场上，你们最担心什么？
被访者：谈不上担心，因为市场是有其结构的，只要看清市场的结构，胜算就会比较大，当然，资金方面是不能出问题的。
笔者：市场中哪一类机构最难对付？
被访者：最头疼的是基金，这些基金经理人的投资水平不能说是很高，但是很多投资理念都懂，我们必须狠狠地骗他们，制裁他们，让他们知难而退。
笔者：怎么骗？
被访者：利用他们的知识骗他们，现在的基金经理人很少有人明白股票的真正含义，他们在大讲特讲投资理念的时候根本就没有考虑到市场的高风险性，市场中现有的很多理念是把对手想得太好了，技术好的人不会吃大亏，但投资理念太重的人，很容易吃大亏，因为市场唯一不变的是不确定性，做股票光懂经济学的常识是不够的。
市道低迷操盘手在做什么
笔者：市场不好，你们这些操盘的人在干什么？
被访者：教教学生。
笔者：一位学生你收多少钱？教多长时间？
被访者：三个月，４．８万元，我每天带学生看盘。
笔者：价格不菲呀！生源从哪里来？
被访者：大多都是知根知底的朋友介绍来的，像我们一般不会抛头露面，不认识的人谁会相信你有真本事。
笔者：有一句话叫教会徒弟饿死师傅，你会真心教他们吗？
被访者：我想这是一种信誉吧，我们是为交易而生存的，但生存的基础是信誉。
笔者：大家知道，一般认为对于持有较多股票的人会成为清洗对象，为什么？
被访者：庄家在拉升前必须要做到自己的持仓成本要低于市场平均持仓成本，所以洗盘和震仓尤为重要。
笔者：在研究筹码分布的情况下，庄家还需要关注什么呢？
被访者：你要控制个股的盘面，同时必须密切关注大盘的走势。大盘的走势有时需要分秒不落地时刻关注。
笔者：只有利用好大势才能达到事半功倍的效果。
被访者：对。当大盘趋势明朗时，最重要的是个股的目标价位和对盘面的控制。在任何时候，需要解套盘和获利盘有一个固有的比率，我们需要看盘时并不着重于散户的举动，构成威胁的是较大资金的中长线投资者，他尝到甜头后，还会吸引更多的跟风，一定的跟风是我们需要的，但绝不希望他们在底位跟风，必须控制大资金长时间的连续性动作，必须让长线投资者和短线投资者在相对高位形成换手，提高市场平均成本，我们的底仓才会在以后的高点获利。跟风盘的一举一动，直接关系到成败
笔者：你们是不是在前一天就要计划好第二日的走势？
被访者：事实上，坐庄需要一个非常详细的计划。早在坐庄之前就应该把完整的计划做好，包括计划达到多高的价位，在什么位置需要整理洗盘，有可能出现什么情况，应如何应对，回调的幅度有多大，在每一个关键位置重要的技术指标会达到多少等等。在拉升阶段，可能每天收市后都要开会研究。
笔者：看来坐庄不光风光，也是很累的。
被访者：坐庄非常辛苦，尤其是坐大庄。只有一种情况例外，那就是坐快庄，只需要几个操盘手就够了，也不需要定计划，因为盘面也不好控制，完全靠随机应变，相机行事，前提是资金实力非常雄厚。
笔者：我们经常听到“洗盘”这个词，什么时候需要洗盘，有没有洗不出去的筹码。
被访者：查觉到较大资金进来，或在低位有大量的跟风盘时是要洗盘的，但庄家受资金和时间的限制，也有无法完成洗盘的情况。例如正当要开始大幅拉升时，突然发现有大资金进场，此时庄家也会感到为难。有时会调查资金的来历，并主动找对方联系希望达成默契。
笔者：遇到难以达成默契的时候怎么办？
被访者：如果外来资金进场仅仅是为了分一杯羹，一般庄家也会容忍它。就怕它是进来捣乱的，它不服从你的安排，而且干扰你的操作。对于这样的角色，庄家对付你可能会不择手段。
笔者：不择手段？！能举个例子吗？
被访者：在市场上很多较量就是在为生存而战，有些故事还是不说为好。
笔者：除此以外，是不是还有通过各种关系得到消息进场的资金，即所谓的“老鼠仓”。
被访者：“老鼠仓”总有的，资金太大也会看出来，除非它分仓分得非常好。
笔者：你们怎么对付老鼠仓？
被访者：一定要沟通，在沟通过程中也要有减仓行为，我们在坐庄过程中心里很清楚哪些筹码是自己人的，谁透露了消息，我们最清楚，超过了我们能容忍的限度一定要给对方暗示。如果对方太贪，我们是一定要住他的
笔者：做一只股票，通常需要分成多少个账户操作？ 被访者：如果做短线，有十几个账户就成了，主要是为了避免被迫举牌。现在监管严格了需要几千个账号。
笔者：听说坐庄用的身份证大多是去农村收购的。账户太多，你们如何下单？
被访者：下单并不麻烦，因为不光是通过人工下单，更多的是通过电脑下单平均分配到各个账户，那些账户都是一带五十，一带一百。
笔者：吸货需要多长的时间？
被访者：这主要看手法，有时需要半年以上，那就需要慢慢买进，不允许放量，也不能有太大的波动，总之，不能引起市场注意。
笔者：采用这种手法吸货的资金是不是比较干净一些(指主要是自有资金)。
被访者：没有完全干净的资金，他可以使用很长的时间吸货只说明他可以***受较高的利息。
笔者：要坐庄至少得需要控制多少筹码？
被访者：一般至少应占流通市值的８０％，以４０００万股，６元左右的盘子为例，需要动用２至３个亿的资金控制２８００万～３０００万左右的筹码，最快需要两个星期，在一定时段内，吸筹时间越长，成本越低，反之亦然。控盘太多，股性就差了。剩下的流通筹码要用于洗盘，同时也受大盘走势、操作手法的影响。
笔者：这些筹码都是你们买进吗？
被访者：别误会，我指的是可控制的流通市值，在一定阶段我们需要部分资金进来参与锁仓，也就是买进后，在我发出指令前暂不卖出，这些锁仓的人，一般也是一些比较近的朋友。
笔者：坐庄要想最终能获利了结，至少要达到多大的涨幅？
被访者：通常最少要达到启动价位的一倍。否则很难全身而退。
笔者：在吸货的过程中，如果发现另一家机构也在吃货怎么办？
被访者：你是说对手盘，一般连续的大单子就是你的对手盘。
笔者：怎样对付对手盘呢？
被访者：看到有对手盘同你抢筹码时，多数情况下会连续抛出几笔，观察对手是否敢接单，并据此判断对手的实力。
笔者：这时会不会串通上市公司发利空，籍此吓走对手盘？
被访者：不会的，对方只要稍有水平，并不会在意消息面的影响。对付对手盘主要靠盘面语言，比如用大的买单或卖单告知对方自己的意图，或者用特殊数字含义的挂单比如１４１４(要死要死)等，而一般投资者是绝不会这样挂单的。
笔者：如果发现对方实力很强怎么办？
被访者：一定要跑掉，慢慢跑，最后向下砸盘套住他。
笔者：吸货到一定程度开始拉升时，手中应有多少资金？
被访者：当手中的筹码成本在计划之内时，如果手中还留有２／３的资金一般就可以拉升了，当然资金充裕一些，更显得得心应手，要防止资金链的断裂，否则会有灭顶之灾。
笔者：庄家在拉升时，是不是不愿意别人跟进？
被访者：不一定，庄家最希望的是在拉升中不断有人买进、有人卖出，始终保持盘面活跃。
但是好的操盘手，拉升期不会增加任何仓位，是边拉边出，拉升的时间很短，一般是其他时间的四分之一到五分之一，否则其操盘技巧就难以恭维了。拉高需要两三个星期，但出货需要半年，关键是要全身而退。
笔者：股民都知道庄家在完成筹码的收集和股价拉升后，就会准备出货了。但是我们也常常看到有的股票好象刚开始拉升，可你一旦跟进，它会很快调头向下，待你明白他是在出货时，往往为时已晚。这又是怎么回事呢？
被访者：庄家做盘的精髓就在于出人意料，庄家通过各种盘面语言向股民灌输一种思维定式，当大多数股民形成这种操作习惯时，就是庄家反其道行之的时候。也就是说，当大家都认为该涨时，下跌也就为时不远了。庄家要实现顺利出货就必须通过盘面语言达到调动散户的目的。
笔者：你们先要使市场形成一致性，然后再利用这种一致性。
被访者：你们玩的是借市场之力，以求达到四两拨千斤的效果。
笔者：股评家们总说，抛开大盘炒个股，而你好象特别看中大势。
被访者：时势造英雄，能看准大势的人是最优秀的投资者，所谓抛开大势看个股是因为他看不懂大势。有时高手只需要２０％的筹码就可以控制股价走势，玩儿的是空城计，尤其在大盘股里，最高超的是利用别人的资金往上打，我们起的是煽风点火的作用，要利用大势。孙子曰：兵者诡道也，故能而示之不能，用而示之不用，说的就是兵不厌诈的道理，明明已经拉不高了可以用技巧掌握时机，瞬间推高股价，吸引跟风，市场的力量是强大的，有时跟风的力量足以使股价上涨１０％，甚至更多。股票在上升过程中，可能某一关键价位不好拉，这时候需要吸引跟风，需要技巧，所谓技巧就是更好地利用市场的力量。
笔者：人们常说，市场中的有些Ｋ线异动是庄家在行贿，你们通过盘口送过礼吗？
被访者：我们不需要送礼，这有悖职业道德，何况那本身也是一种违规行为，股价异动是为了引起市场的注意，只有在需要时才划线，是为了影响市场的心理，达到引导市场买或卖的目的。
笔者：在这个市场上，你们最担心什么？
被访者：谈不上担心，因为市场是有其结构的，只要看清市场的结构，胜算就会比较大，当然，资金方面是不能出问题的。
笔者：市场中哪一类机构最难对付？
被访者：最头疼的是基金，这些基金经理人的投资水平不能说是很高，但是很多投资理念都懂，我们必须狠狠地骗他们，制裁他们，让他们知难而退。
笔者：怎么骗？
被访者：利用他们的知识骗他们，现在的基金经理人很少有人明白股票的真正含义，他们在大讲特讲投资理念的时候根本就没有考虑到市场的高风险性，市场中现有的很多理念是把对手想得太好了，技术好的人不会吃大亏，但投资理念太重的人，很容易吃大亏，因为市场唯一不变的是不确定性，做股票光懂经济学的常识是不够的。
市道低迷操盘手在做什么
笔者：市场不好，你们这些操盘的人在干什么？
被访者：教教学生。
笔者：一位学生你收多少钱？教多长时间？
被访者：三个月，４．８万元，我每天带学生看盘。
笔者：价格不菲呀！生源从哪里来？
被访者：大多都是知根知底的朋友介绍来的，像我们一般不会抛头露面，不认识的人谁会相信你有真本事。
笔者：有一句话叫教会徒弟饿死师傅，你会真心教他们吗？
被访者：我想这是一种信誉吧，我们是为交易而生存的，但生存的基础是信誉。
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