My No. 1 secret to getting rich

How to Get Rich: 10 Things Wise and Rich People Do

My No. 1 secret to getting rich

Everyone has dreams about winning the lottery and getting crazy rich overnight. People want to get rich. Just do a search on Google Books and you can see that it’s been a rising trend since the 90s.

Many people are looking for ways to get their first 100K, or ways to invest for a better retirement. Some are trying to succeed as entrepreneurs. People want to have enough money to buy beautiful homes, powerful cars, and great vacations. But not many know what getting rich really means and what it takes.

Being rich is more than about the dollar amount

Being rich is a state of mind. In a sense, you could be rich but still poor, and vice versa.

You can define “rich” in different ways. There are a lot of people who simply consider it as having a lot of money. For them, rich is equivalent to a being a millionaire.

But rich can also be psychological richness. It is an achievement of being able to live without the worry of money. You don’t necessarily need to own a castle to be considered rich.

Everyone can be rich as long as we are able to do what we desire freely and to have the fulfilment in life. The key of it is to live with or even less than what you have.

To be “normal” even when you are financially capable to do a lot more.

You might have your own preference on which definition suits you better, but here are some ways on how to get rich. It may help you achieve either (or both) of them.

If you want to become really really rich, make bold moves

It’s an ambitious goal to become a very rich person, and if you’re aiming for that, do something big, and make some great changes in life.

1. Exploit your skill as a self-employed expert and invest in it

Make it your goal to do one thing better than anyone: Work on it, train it, learn it, practice, evaluate and refine it. You may find most sports-players or entertainers are millionaires, and that is because they are utilizing their skills fully. If there’s something you’re good at, it is ly you can reap considerable rewards it.

It is the same concept of being the top of a particular field. When you are the best at something, you find that opportunities come to you. To become an expert of something, it is crucial to never stop improving. Successful people invest time, energy, and money in improving themselves, and it might just be the most rewarding investment you can ever make.

To get started, figure out what skill you want to cultivate. Make a list of the world’s ten best people at that one thing, and use this list to define criteria and track your own progress toward becoming the best.

If you’re a writer, for example, you might consult the New York Times Bestseller list, and identify the ten successful authors that you admire the most. Learn more about these writers, what they did to be successful, and read some of their work. Invest the time and energy in improving your own craft, by looking at successful past models.

2. Hit $100K, then invest the rest

Everyone wants to be a millionaire. But a goal this isn’t something you can easily achieve in a short period of time. Aim at saving $100K first.

The small amounts you save daily is powerful. You might only be able to put away $5 or $10 at a time, but each of these investments are your financial foundation.

3. Be an inventor and consider it as an opportunity to serve

Stop thinking about making a lot of money and start thinking about serving a lot of people. If you think about what people need, or things that could improve society, your insights will have more impact. Not only that, you could be the first to produce a trending product in the future.

When you start to serve a lot of people, the effect of word of mouth is magnified – not to mention, you’ll have much more helpful feedback to improve what you do.

Having the patent of a popular invention could be the fast-lane ticket to prosper. Just look at Snapchat.

It would definitely be challenging, but consider it to be a way of serving, to benefit those who actually need your invention. No business is successful without the support of the public. Rather than squeezing every single dollar your customers, show them you are actually working to make them better.

4. Join a start-up and get stock

Using the same potential consideration of start-up in the above points, owning stocks of one or more start-up companies could be a valuable investment if the company thrives and either floats or is sold to a larger enterprise.

Only a small minority of start-ups succeed in realizing large capital gains, so the odds are not good. However, you can use your judgement to see which business idea and which management team are ly to succeed. Early employees in Apple, Google and Microsoft became millionaires on this basis.

5. Develop property

Buying, developing and selling property has always been a major way for people to accumulate capital.

Borrowing could be a key element in this method. Say you borrow $200,000 and put in $50,000 of your own to buy a property for $250,000. Then you develop the property and sell it for $400,000. The property has increased in value by 60% but your $50,000 has now grown fourfold to $200,000. You have to select the right properties in the right areas and develop them wisely.

You are at risk from booms and busts in the property market. However, in the long term this remains a proven way to accumulate wealth.

6. Build a portfolio of stocks and shares

If you can make steady investments in stocks over a long period, choose wisely and reinvest the dividends then you can build a large store of wealth. Of course stocks can go either way and many small investors lose heart when their portfolio plunges.

But over the long-term, equities are as good an investment as property and much more liquid. Stock market crashes represent great buying opportunities for those with cash and strong nerves.

7. Start your own business and eventually sell it

More and more startup have seen success with great return in recent years. If you can find a new approach towards a specific corner of the market and build a business that addresses that need, then you have a potential of success in it.

It literally can be anything: a cleaning business, a food delivery service, or a blog. It will probably take years of very hard work to build up the enterprise. All entrepreneurs will have to endure great risk and stress. But if you can pull it off, the potential rewards are huge. This is how many of the seriously wealthy people did it.

If you want to become wealthier and live a better life, build simple habits

If you’re aiming for a stable life with enough money to support a living, start with the everyday things you can do.

8. Find a job in the right vehicle

Choose a job of your interest – do what you love and love what you do. No one succeeds in doing what they hate.

You might have to start at the bottom and work your way up. But chances are, if you love what you do, it’s easier to make that happen. You’ll actually enjoy the process of getting to the top.

Earn the experience through different levels of work and when you feel you have gained all that you can from it, consider moving on in other companies would widen your horizon on different business cultures. Putting more experiences in various positions would make you a more valuable asset for companies and making you a better option for higher rank duties.

Consider how the rich are able to get in with the right companies, where there are plenty of opportunities for growth. Seek places where you can grow your skill and and are able to multiply your monthly income many times over

9. Cut your expenses

The biggest problem in some people’s path of getting rich is that they always spend more than what they earn. Living below your means will be the easiest to get rich.

Consistently track your progress on how much you’re spending. Use an app or simply an Excel spreadsheet to make sure you always know how much money you have what where it’s going. This gives you a proper place to review and refine what does and doesn’t make sense in terms of your spending.

Start cutting the unnecessary spendings in your life. Do what you can to reduce your bills: make sure you turn off the lights, plan meals to save at the grocery store, and be disciplined about eating in. Focus your life with only the necessities and in no time you will be saving a lot more than what you previously did.

10. Save it in your bank

Set savings goals and routines to support those goals. Figure out ways that work for you in saving money, and refine what doesn’t.

Many banks have the option of creating separate savings accounts, as well as automatic withdrawals. By setting up these automatic transfers, you save passively and have to make an effort not to save.

Another thing you can try is to increase the amount of savings by 1% in every interval you wish. At first, it will be an insignificant change, but as time passes, you will notice a big difference.

Give yourself a reason and motivation to save as well. It is always important to plan for the future and saving for retirement could be a great point to persuade yourself to stay away from excessive spending.

11. Make investments wisely

Investment is much more than pure luck. One investment mistake could tear away a large chunk of your assets. So make sure whenever you are making decisions on investments, whether on properties or stock, think twice. It will be better for you to consider opinions from professionals and experts.

To give you some ideas, legendary investor Warren Buffett suggested to put 10% of the cash in short-term government bonds and 90% in a very low-cost S&P 500 index fund, so that if the market crash, you will still be fine by cashing the 10% rather than selling the stock with a bad price.

Getting Rich the Wise Way

There are a lot more important things in life than accumulating wealth. Who wants to end up rich, unloved, lonely and in poor health? However, if you can enjoy a balanced life and at the same time become rich, why not do so?

Taking combinations from the above suggestions may not guarantee you a prosperous future, but it will surely eliminate a lot of financial troubles in your life. With one step at a time, maybe you will also become the one you dreamed of.

Featured photo credit: Flaticon via flaticon.com

Источник: https://www.lifehack.org/articles/money/the-six-best-ways-to-get-rich.html

4 steps *anyone* can take to become Rich (foolproof system)

My No. 1 secret to getting rich

It’s crazy how many people still fall into get-rich-quick traps even though there’s mountains of evidence that shows that they’re total scams.

The fact is that if there was one great way to unlock the secret of how to become rich, we’d all be doing it.

There are no “secrets” to getting wealthy overnight. But there are proven systems to get rich — and they take time. Let’s get into the steps you can start taking today to increase your income.

How to become rich in 4 steps:

Bonus: Want to know how to make as much money as you want and live life on your terms? Download my FREE Ultimate Guide to Making Money

Step 1: Invest your money (the smart way)

The single most crucial thing you can do to ensure your financial future is investing — and the sooner you start, the easier it is to get wealthy.

This isn’t BS. There are more than 100 years of evidence in the stock market that suggests this.

Still don’t believe me? Let’s look at a real-world example of how to become rich by investing.

Say you’re 25 years old and you decide to invest $500/month in a low-cost, diversified index fund. If you do that until you’re 60, how much money do you think you’d have?

Take a look:

$1,116,612.89

That’s right. You’d be a millionaire after only investing a few thousand dollars per year.

Notice, I’m not talking about the Hollywood type of investing where hot-shot stockbrokers make huge multi-million dollar trades while yelling “SELL” into a phone for some reason.

Pictured: Some dude trading stocks and losing money. Not pictured: You investing in low-cost index funds and getting on with your life.

I said you should invest in low-cost, diversified index funds over time. That’s because smart investments are about consistency more than anything else — not chasing hot stocks. Or other weird investments:

The two essential ways to invest your money are straightforward:

  • 401k: Be sure to take advantage of your employer’s 401k plan by putting at least enough money to collect the employer match into it. This basically means that for every dollar you contribute, your company will match that (pre-tax!). This ensures you’re taking full advantage of what is essentially free money from your employer. That match is POWERFUL and can double your money over the course of your working life:

  • Roth IRA:  your 401k, you’re going to want to max it out as much as possible. The amount you are allowed to contribute goes up occasionally. Currently you can contribute up to $6000 each year.

Note: If $500/month sounds a lot, read all the ways you can free up that money with just a few phone calls.

Bonus: Ready to ditch debt, save money, and build real wealth? Download my FREE Ultimate Guide to Personal Finance.

Step 2: Spend your money a wealthy person (using conscious spending)

Anyone who knows me knows that I detest ultra-frugality — otherwise known as the lifestyle of clipping coupons and sacrificing things lattes for the sake of saving money.

Un a lot of people you see in the personal finance world, I’m not ashamed of how I spend lots of money on things I enjoy eating out, traveling, or nice clothes.

And that’s all because I practice conscious spending. It’s the same system my friend uses in order to spend more than $21,000 on going out. I’d never tell you to skip on spending on the things that make you happiest. Just do so purposefully, and by avoiding the mindless spending that can come from disorganized finances.

Setting up the system might seem hard — but in the end, it’s all about:

  1. Automating your finances.
  2. Knowing where your money goes so you’re in complete control of the situation.

Automating your finances allows your system to work for you and passively do the right thing instead of you constantly wondering if you have enough money to spend. Or, getting your credit card bill each month, shrugging, and saying to yourself, “Yeah, I guess I spent that much.”

And it’s simple: at the beginning of the month, when you receive your paycheck, the money is immediately sent to where it needs to go through automatic systems that you have set up already.

Some spending recommendations for your system:

  • 50%-60% Fixed Costs: This includes things utilities, rent, internet, and debt.
  • 10% Investments: This includes your Roth IRA and 401k plan.
  • 5%-10% Savings: This is money that goes towards things vacations, weddings, home down payments, and unexpected expenses.
  • 20-35% Guilt-free Spending: Fun money! Spend this on anything you want from nice dinners to movies.

Why automatic?

Because as humans we have incredibly limited willpower. It’s so limited in fact that it can render things paying bills and putting money away in your savings each month a very difficult task.

Automating your finances subverts this by allowing you to save money without ever having to do it yourself.

If you want to find out more on how to automate your finances, check out my 11-minute video explaining it here:

I’m not talking about piles of cash buried somewhere in your backyard — this is the money that you can be saving right now by negotiating your bills.

That’s right. With just a few one-time, 5-minute phone calls, you can save HUNDREDS a month on bills for your:

  • Car insurance
  • Cell phone plan
  • Gym membership (less ly but still possible)
  • Cable
  • Credit card

It’s simple too — there are only 3 things you need to do to negotiate with these companies on fees and rates:

  1. Call them up.
  2. Tell them, “I’m a great customer, and I’d hate to have to leave because of a simple money issue.”
  3. Ask, “What can you do for me to lower my rates?

Of course, you’re going to want to adjust this formula for whatever company you’re calling. Check out my video on negotiating your bills for more on this topic.

Along with your bills, you can also be EARNING more money through salary negotiation.

This is actually one of the easiest and fastest way to earn more money.

In fact, a one-time salary increase of $5,000 — properly invested — adds up to over $1,300,000 by the time you retire.

1-time salary increase of $5000 invested and compounded after 40 years: 1,398,905.20!

And in many cases, getting a raise only takes a single, 15-minute conversation with your boss.

Remember the chart from above showing the effect of $500/month?

You can meet this goal with ONE salary negotiation.

If you’re interested in learning how to become rich by boosting your income, check out my Ultimate Guide to Salary Negotiation (it’s free). It includes HD videos, word-for-word negotiation scripts, and walks you through each step in the process of getting a raise.

My favorite part: You’re already getting paid. Why not get the most every paycheck?

It’s a quick win, and you should absolutely capitalize on it. But if you’re looking for something that takes a bit more time — with a lot more upside — you should consider starting a business of your own.

Bonus: Want to turn your dream of working from home into a reality? Download my Ultimate Guide to Working from Home to learn how to make working from home work for YOU.

NOTE: If having a work from home job is part of your Rich Life, I’ll show you how you can convince your boss to let you work from home in my article Working From Home: The Essential Beginner’s Guide.

Step 4: Build another stream of income

This is my all-time favorite answer to the question “how to become rich?” I’ve always believed that there’s a limit to how much money you can save — but no limit to how much you can earn.

This is especially true if you start your own online business.

From my years of experience not only running my own business but teaching scores of people to start their own as well, I’ve found that there are two great ways to start a business:

Side Hustle

This is one of the fastest ways to get started in business. By utilizing the skills and talents at your disposal, you can start freelancing and generating a steady source of income on the side.

And the best part: you don’t even have to quit the job you already have.

Online Business

With an online business, you can reach millions of people on the internet every day while scaling your product to help you earn millions online.

Don’t believe me? Check out just a few different ways you can make $1 million online.

  • 250,000 people spending $4
  • 100,000 spending $10
  • 50,000 people spending $20
  • 10,000 people spending $100
  • 1,000 people spending $1,000

Could you find 1000 people to buy from you over the next few years? I think so.

To start an online business, you need to choose from 6 different models:

  1. Software (including apps)
  2. Physical products
  3. Advertising
  4. Affiliate marketing
  5. Coaching
  6. Online courses

Obviously, there’s a lot that goes into creating a business these models — getting traffic, building an audience, launching a product etc. — but it’s all completely doable.

Plus you can automate your online business so once you frontload the work, the business keeps paying you again and again, even while you sleep.

Over the years, I’ve shown thousands of students how to build businesses just that. Click here to see some examples of the businesses they’ve built.

Bonus: Want to finally start getting paid what you’re worth? I show you exactly how in my Ultimate Guide to Getting a Raise and Boosting Your Salary

Every great business begins with a profitable idea. After creating 18+ successful products of our own, we’ve developed a system that guarantees your business idea will pay.

If you’d to see the system we’ve built — or if you just want to put your existing idea to the test — enter your name and email below.

When you do, I’ll send you a free video that shows you how to find a profitable business idea in less than a week.

Send me the free video on finding a profitable business idea!

Источник: https://www.iwillteachyoutoberich.com/blog/3-proven-steps-anyone-can-take-to-become-rich/

How to Get Rich Quick Realistically

My No. 1 secret to getting rich

For many years I worried about money, but now I spend time enjoying it.

Very few people wake up one day and just become wealthy. It’s is a choice that you make and a way that you live your life. 

It took me a long time and a ton of hard work, but I finally learned how to get rich quick realistically. I’m certainly not super-rich, but my money mindset has changed dramatically.

Most of us don’t get rich quick; it’s a journey. So, how did I do it? How can I possibly teach you how to get rich quick?

Here’s how I got rich quick (realistically):

Just in case you’re a busy professional who only has time to read lists, all you need to know to get rich is the following:

Investing

Being frugal is important, but it’s only one side of the coin. Cutting your fancy cappuccino habit to save a few bucks isn’t going to push the needle for you. While there is a limit to have much we can save, there is no limit to how much we can earn. 

Investing in the Market

The easiest and the most efficient way to grow the money you’ve already saved is through investing in the stock market. The best part is it doesn’t take much work on your part; it can be put on autopilot.

No, investing in the stock market will not make you rich overnight. It’s a slow, steady and consistent way to build wealth. With a 7% average yearly gain, your initial investment will double ten years.

You can’t do that keeping it in a savings account. In fact, in 10 years, your savings will be worthless because of inflation.

You don’t need a lot of money to start investing either, and every little bit counts. If you’re an investing newb and need help getting started, we’re here to hold your hand.

We love Betterment for beginner investors because there is no minimum, the fees are low, and you don’t need to know anything about investing to get started.

Betterment

A completely automated investing tool that's perfect for beginners and hands-off style investors. They use advanced strategies to earn you a higher investment return than you could on your own.

Invest in Real Estate

Real estate can make you rich, but you need a little more money to get started.

If you’re reading this article, you’re probably not ready for real estate investing yet, but you might want to put it on your list of goals.

Investing in turnkey rental properties can have fantastic returns; it’s how Andrew got started.

He and his wife ran three deals to completion, documented the process, and created a course focused on using their turnkey real estate investing strategy to build meaningful wealth.

If you’re interested, we have a bunch of resources and podcast episodes you can check out. We cover everything from cash flow to the tax benefits.

If you are looking to invest in real estate but looking for something a little more hands-off, check out Fundrise where you can invest in crowdfunded real estate projects.

Take Away: You have unlimited earning potential. The only thing that is stopping you from earning more is you.

Less Stuff = More Money

Just a year ago, I worried about money all the time. I never had enough money to live the life I wanted, but I was able to pay my bills. I owned a condo that ran me close $2,000 a month, a BMW that cost over $400 a month, and a bunch of stuff inside of both. I needed at least $3,000 a month just to keep up with my stuff.

Then, I lost my job. I needed to downgrade my life, or I wasn’t going to make it. I sold the BMW and bought a Honda Civic for half the price. I rented out my condo and moved in with my younger brother — reducing my monthly living expenses dramatically.

I made a list of what was important to me and what was not. I sold every non-essential I could to make extra cash. 

Why do you need all that stuff?

If I were to take an inventory of my life and determine the things I use every day, it would be a bed, a chair, the car, the computer, a frying pan, and a French press. Those are the thing I couldn’t live without. The rest of the stuff I rarely use.

We live in a consumer’s world. That’s why we even think about how to get rich quick. However, we don’t have to conform to it. Collecting stuff is just a waste if you don’t use it. You probably have a house full of useless stuff; get rid of it.

When I had this epiphany about stuff, everything changed. The way I thought about money shifted dramatically.

Do I Need This?

If you’re buying stuff every day, you need to take a step back and think about it. I to create a 30-day list on my phone of things I’d to buy.

If I see something in a store or online, instead of clicking buy I just put it on my list. That curbs the urge. 95% of the time, I end up not wanting it in 30 days. I also always ask myself- Do I need this? Will it make my life that much better?

Most of the time, it won’t. Most of the time I can’t even remember why I wanted that thing I put on the list anyway. If you do need to buy stuff make sure you get the best price for the best quality.

Take Away: Stuff costs money. Keeping stuff in your house costs money. Using stuff costs money. Less stuff, more money.

Educate Yourself

Financial education is your best investment. I made it my New Year’s resolution to educate myself about money — since I spent almost 20 years being terrible with it.

I read two books: The Simple Dollar and I Will Teach You To Be Rich. Start there. We also created an awesome podcast where we drink beer and talk money to help make it all a bit easier

Invest in yourself, in your education. There's nothing better. -Sylvia Porter

Tweet This

The one thing I learned was debt is the devil. Both books drilled into my head that I should be debt-free.

Debt is The Devil

Now that I was a streamlined bachelor with very low living expenses and nothing to buy, I had some available cash. I decided to pay off my credit card debt. Having no debt is freedom and an idea I could get behind.

Having debt while trying to achieve financial independence is driving with your foot on the brake. While debt can be valuable and even profitable if used correctly, too many people spend money they don’t have.

Bad debt, credit card debt, compounds many times faster than the best investments ever could and can quickly outpace your ability to earn and pay it off.

The good news is, you don’t have to bury yourself in debt. However, the minimum payment is not going to cut it. Attempting to escape debt with minimum payments is trying to toast bread with a flashlight.

I did some more research to determine the right method for paying off my debt, and I found the stack method. I won’t go into detail, but you can read about it here.

You refinance all the debt you can and then prioritize the most expensive debt first.

It can also help to have someone negotiate your debt away for you.

Student Loans Suck

I don’t personally have student loans, but I know many people my brother who are making that dreaded payment every month. From now until what seems an eternity, a few hundred bucks out the window every month.

The interest on those loans will ruin you. The quickest way to reduce your student loan balance and pay less interest is to refinance.

Companies Earnest can dramatically reduce that rate and save you a ton on your loan.

Take Away: No stress, no debt, uh, that’s freedom! A feeling better and longer-lasting than sex. If you need a little help, we have a free book here to help you with your debt reduction plan.

Invest in Yourself

Not every investment has to start with money. Making some simple changes in your lifestyle can drastically improve your life and work which in turn can make you more money.

Are your friend’s ballers? Do they go out all the time a spend tons of money on expensive dinners, gadgets and other crap they don’t need? If your friends are not financially responsible, it is going to be harder for you to be responsible.

You want to surround yourself with people who have the same goals as you and people you can learn from. You need financial friends. It’s probably about time that you got financially naked.

Maybe you have a great job, but your 3% raise every year isn’t going to make you rich. You need to push the needle a little bit, work with me here.

The best way to keep bumping your income is to move jobs every few years. People who change jobs often, make 50% more over their lifetime compared to those who stayed at jobs longer.

If you don’t feel you have the skillset to find a better position, then upgrade your skills. Take a class or read some books. It can help you get to make more money at your current company or help you find a better spot a new one.

Invest in Building your Own Business

Who doesn’t want a little (or a lot) more money? There are many great ways to grow your income streams outside of your day job. From selling crap you don’t need, to building a side business, it’s always an excellent idea to make some extra money. It can help you pay off debt quicker, grow your investments faster or even turn into a full-time gig.

Earning some extra cash on the side can be fun, it will increase your level of income security and confidence. There are also a ton of tax incentives for small business owners.

Never depend on a single income. – Warren Buffett

Tweet This

Want to earn some passive income and start your side hustle? Most successful people have become rich through starting their own businesses. Learn how other successful entrepreneurs and millionaires made their money. Get inspired and get to work.

I’m a skilled web designer, and I knew I could make money by designing a few websites. I started reaching out for work by cold emailing and walking into local businesses. With the extra income, I paid off my debt in a few months. I didn’t have a ton of debt, to begin with, but I’ve been sitting with it for over 15 years.

I now realized I had extra money because it wasn’t going towards paying my credit card bills — this was on top of the fact that my living expenses were much lower than they were. I found myself with a lot of extra income.

5. Track Your Net-worth

Taking a hard look at your financials can be scary, especially if you’re in the negative. But if you want to be rich, you can’t avoid it forever and the best time to face your fear is now. You will feel relief when you know where you stand financially instead of just guessing. Then you can set goals and track them.

What gets measured gets managed. – Peter Drucker

Tweet This

Net worth is probably the most important financial number you can track. It’s a simple way to see your financial life with a few basic calculations. Every month income comes in, and expenses go out to pay bills and rent. If after all your expenses are paid if you still have some money left over – that’s great. Now you have money to invest and grow.

Personal Capital

Budget a business and focus on your cash flow. In addition to their budgeting software, they have an awesome suite of tools to help you optimize your investments. Did we mention it's free?

Personal Capital is a great tool to budget and track your net worth, and it’s free to sign up.

Living below your means is the simplest way to save money. If you are in the negative month after month, then it’s time to look at your budget and see where you can cut and how you can make more money to make ends meet.

Tracking your net worth will show you your progress on a small scale, month by month and a larger scale, year by year.

How Will You Get Rich Quick?

A total life transformation won’t happen overnight, but it will start to slowly take shape with each choice. Action will be the key to success. You also need to learn about personal finance. That knowledge is critical if you want to achieve financial freedom.

Building wealth is not something you will just stumble upon one day. It’s something you work at every day, forever.

Источник: https://www.listenmoneymatters.com/get-rich-quick-realistically/

NEWS
Leave a Reply

;-) :| :x :twisted: :smile: :shock: :sad: :roll: :razz: :oops: :o :mrgreen: :lol: :idea: :grin: :evil: :cry: :cool: :arrow: :???: :?: :!: