7 things you wouldn’t mind spending a billion rubles on

U.S. DOLLARS

=

78 092 100.00 RUB

RUSSIAN RUBLES

1 dollar = 78.09 rubles

The calculation of the cost of 1,000,000 dollars to rubles is based on current data received from the Central Bank of Russia (Central Bank of the Russian Federation) today 10/08/2020, and amounts to 78,092,100.00 RUB (seventy-eight million ninety-two thousand one hundred rubles).

Are there simple ways

When looking at how to make your first million from scratch, you can find a lot of information. Stylishly dressed people talk about personal successes and want to share this information. But to do this you need to pay or attend their training. Whether any good will come of this - the probability is practically reduced to zero. But this man actually figured out the question of how to earn 1 million dollars. And perhaps he is already close to the goal.

There are no easy ways. You should not believe empty promises that it is simple and accessible. And even more so, you don’t need to believe the words that you can really get rich in a few days. It's always work. Painstaking and diligent.

We live in Russia, so we will determine how many rubles are in a million dollars and convert the conditional 1 million dollars into rubles. If we take the recent average rate of 65 rubles, then this is 65,000,000 rubles.

1. If we consider how to earn 1 million dollars in a year, then the average monthly income should be almost 5.5 million rubles. Where can you find such a profitable business?
2. If you want to earn 5 million rubles in a year, then the average profit per month should be 416,000 rubles. More doable, but still unattainable for the vast majority of people.

You can’t pull out a fish without difficulty without difficulty. But still, practice shows that becoming a dollar millionaire is quite possible. You just need to get to the point, be in the right place at the right time. Material on the topic - how to turn unnecessary things into money.

Distinctive features of the banknote

The steward, who had artistic inclinations, carefully designed the design of his banknote, which amazed the public. The color scheme was chosen from shades of yellow and green, which were used on the $10,000 bill. Instead of the usual images of presidents on the front of the million dollar bill, the Statue of Liberty looks back at us.

The gift packaging of the million dollar bill includes a small transparent case and a gold-embossed envelope containing the history of the relic. The lucky owner of a rare banknote receives a special certificate along with it. As already mentioned, the million dollar bill is a gift edition that has collectible value. The forms from which the printing was made were destroyed, re-issue is impossible.

On the million dollar bill, you can find an engraving indicating the date of the signing of the United States Declaration of Independence. However, you will not find here either the all-seeing eye or the traditional image of the White House. The reverse side of the banknote contains only the denomination and an inscription stating that the security of this bill is belief in the “American Dream”. Everything is symbolic. There is an inscription on the bill stating that it is not in circulation. You cannot exchange, deposit in a bank or pay with such a bill. This is just a symbol of belonging to a certain class, an image of the “American Dream”.

Millionaire Rules

If you analyze the actions of famous millionaires who came from “the people,” then their lives were endowed with certain principles. We are talking about people who made themselves, without rich parents and influential patrons behind them.

A clear example is Steve Jobs, who amassed a colossal fortune and created one of the most valuable brands in the world - Apple. He grew up in an ordinary family, an adopted one at that, and was not particularly diligent. His career began as a mechanic. We all know the result - he figured out exactly how to make a million from scratch, and all his life he increased his capital.

If you study the biographies of such people, you can come to the conclusion that you can earn $1,000,000 by adhering to the following rules:

• make money from what brings you pleasure. Even a small hobby can be monetized and increase its turnover in the future. If a person “is passionate” about what he does, earns money from what he likes, the chances of getting a big income increase significantly;
• everything is in business, everything is in development. All famous millionaires constantly invested everything they earned into their business. Only there can you create a truly large-scale business, ultimately generating a stable and high income. If you spend all your profits on your own needs, there will be no development;
• Don't expect quick money. If you intend to make $1,000,000, it definitely won't be easy or quick. A business of this scale takes years and even decades to build;
• no need to spend money on image and status. All self-made millionaires say that you need to forget about expensive and unnecessary attributes. All this tinsel takes away capital that could be invested and earn even more.

People who were able to find the right path and received their first million always think about earning $2,000,000. And it will be much easier. The most difficult thing is the beginning, achieving your first million dollar capital. Then, with the right actions, everything will go as planned, and then it’s not far to a billion.

Fur coat from Karl Lagerfeld.

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The famous designer Karl Lagerfeld, creative director of the Chanel and Fendi houses, demonstrated the most expensive fur coat in the world at the Fendi fall-winter 2015 fashion show. It took 36 sable skins to create it. According to the designer's idea, this fur coat, decorated with a fur orchid, should look as if it was illuminated by moonlight. For this purpose, the fur was subjected to special processing.

On your uncle or yourself

As practice shows, those who start their own businesses become millionaires. There are very few truly rich people who are also employees. Of course, if we are talking about the commercial director of a large international company, we can still talk about a fabulous income. But are there many people in the world who occupy similar positions and earn millions from it? There are few of them, but they exist. For example, the chairman of FC Otkritie, and previously VTB, Mikhail Mikhailovich Zadornov.

There are much more of those who open a business. There are many examples when people start with little things, trade something on the market, and after some time they promote the business so that it develops by leaps and bounds and brings in the coveted million-dollar capital.

Bottle of DKNY Golden Delicious perfume.

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In fact, these are ordinary perfumes from the Golden Delicious series from Donna Karan, which cost 1.5–3 thousand rubles, depending on the volume. What is unusual here is the bottle itself. It was carved from 14-karat gold and covered with 2,909 precious stones that form the silhouettes of New York's most famous skyscrapers. This bottle was released in a single copy specifically for the launch of the Golden Delicious series.

Stories of making a million dollars

To understand how to make $1 million, it's worth considering real stories from real people. We are talking about people from different countries who made themselves, who themselves went to huge earnings, creating corporations from scratch. As a result, they became not even millionaires, but billionaires:

1. Roman Abramovich. A Russian with substantial capital. But initially he was an orphan who was raised by his grandparents. He started out trading toys and now owns a controlling stake in Sibneft.
2. Li-Ka Shing. The richest Chinese man today. Due to the poor situation of his family, at the age of 14 he was forced to leave school and go to work. For the first 10 years I worked “for my uncle,” selling plastic products, after which I opened my own company with a similar profile. It is now Hong Kong's largest investment corporation.
3. Jan Koum, Ukrainian. He moved from his homeland with his family to the United States, where they lived poorly and ate on food stamps. But Yang managed to escape - he created the WhatsApp application, which was bought by Facebook for $19 billion.
4. Jack Ma, China. He grew up in poverty and failed miserably several times in his college entrance exams. In the end, I started teaching English. When he started working on the Internet, he decided to try to create a platform for trading Chinese goods. He eventually founded Alibaba (Aliexpress).
5. Ingvar Kamprad. He started selling furniture at the age of 17, and at 22 he founded the IKEA brand. His personality is surprising. He is still an extremely frugal person; he doesn’t even fly business class.
6. Ralph Rowan. Became a millionaire selling ties. At first he worked as a salesman in a store for these products, and then decided to create brighter models. The case took off, and as a result, the Polo brand became famous all over the world.

Let's start with a recent vivid example of how to earn $1 million in a year or even a month. A young guy from Russia (Bashkortostan, from a small town) began selling Chinese Kigurumi pajamas. The product became so popular that already at the start of the business, the profit in 4-5 months amounted to 4 million rubles! And this is just the beginning. And the starting capital was 10,000 rubles - that’s a million from scratch.

And there are many such examples. All these people know how to earn 10 million or more, they came to this through experience. And many did not even have normal starting capital. They simply believed in the idea they had created and loved their work.

Job openings with a salary of 1 million rubles became known

In Russia you can earn six figures a month. This is evidenced by published vacancies on recruiting portals.

For example, the website hh.ru posted 138 vacancies with a salary offer of 1 million rubles, calculated for Gazeta.Ru on the portal.

The bulk of them are in two Russian regions. Most of these vacancies are in Moscow - 29, as well as in the Krasnodar Territory - 27.

Less than ten similar vacancies are offered in the Chelyabinsk region (9), Bashkortostan and Samara region (8 each), Sverdlovsk region (7), Tatarstan (7), Novosibirsk region and Perm region, as well as St. Petersburg (5).

Salary of 1 million rubles. 22 times higher than the national average salary. An ordinary Russian receives 45,726 rubles.

This is evidenced by data on average salaries based on the results of the third quarter of 2020. Rosstat currently does not have final data for last year.

Among those who are offered a salary of 1 million rubles, there are predictably vacancies where they are looking for senior managers.

This is, for example, a commercial or technical director, an e-commerce director, a manager of “non-standard projects” or an IT manager.

But there are also unusual vacancies.

So, in the list of vacancies with a salary of 1 million rubles. You can find offers to become a personal business assistant for a fruitarian manager.

High salaries are offered for the positions of traders and brokers. Employers are willing to pay 1 million rubles to a dental surgeon.

Also, high salaries in some cases are offered to welders, engineers and operators of automatic and semi-automatic lines of machines and installations.

According to hh.ru statistics, most often such highly paid vacancies are offered by companies that operate in the production and sale of non-food consumer goods, construction, real estate and design, medicine and pharmaceuticals, retail trade and business services.

But it is obvious that employers, when looking for employees, often lie about the salary amount.

For example, on the recruiting portal hh.ru a vacancy for an accountant was published with a salary of 30 thousand euros (2,060,850 rubles) with the required work experience of two years.

For this money they promise a comfortable five-day work week from 9 a.m. to 5 p.m. and “the ability to multitask.”

You should not trust such vacancies; the high salary in the description can be a kind of bait for candidates,

Alexander Safonov, professor at the Financial University under the Government of the Russian Federation, points out in a conversation with Gazeta.Ru.

The employer thus tries to get as many responses to his vacancy as possible.

“When such advertisements appear, you need to pay attention to what specific experience is required in this case. Naturally, a million rubles a month are paid in a very small number of cases,” Safonov points out.

So, in the case of a highly paid accountant vacancy, a specific requirement may be the ability to resolve issues with the tax service, says Gazeta.Ru’s interlocutor.

Job seekers must be vigilant so as not to fall for the bait of unscrupulous companies, the expert says.

Job search portals receive money exclusively from the employer for posting vacancies, Safonov recalls.

Often, applicants are offered a salary of 1 million or more only if they bring comparable income to the company, the publication’s interlocutors indicate.

“In addition to the professional skills that a successful candidate must have, such vacancies often list a set of personal qualities that describe a superman,” hh.ru notes.

On some job search portals, for example, on SuperJob, there are vacancies with a salary of 1 million rubles. I couldn't find any higher.

Another recruiting resource, Rabota.ru, has vacancies for drivers with a salary of more than 1 million rubles. Surprisingly, you can get a job offer not only without having a higher education, but even without having a personal car.

According to statistics, only 11,287 Russians earn a million a month in our country. In total, almost 72 million people are employed in Russia.

Thus, only 0.1% of workers have such a high level of wages, according to Rosstat data based on the results of a large-scale salary survey. It is held every two years. The coverage of the Rosstat study is more than 27 million Russians, as well as over 101.4 thousand large and medium-sized organizations.

The last time “Information on the distribution of the number of employees by wage levels” was published in 2020.

In contrast to the smallest group of workers with a salary of 1 million rubles. the most massive category of employees with a salary from 33.9 thousand to 40 thousand rubles. According to the latest data from Rosstat, more than 2.6 million people work for such a monthly salary.

Let us remind you that most Russians work in the trade sector. This industry accounted for 20.3% of workers at the end of 2020, according to official data. In the field of education - 16.1%, healthcare - 12.9%, manufacturing - 11.1%.

Investment

What methods of saving do you know? Most limit themselves only to bank deposits, but the income from them is extremely small, you won’t earn anything. But there are other ways to invest, for example, good results can be achieved in the securities market. Where to invest money to generate income.

But there are three significant points:

1. There is something you need to understand about investing in securities. But in general, if you take the time to study the system, you can achieve success.
2. There is a risk of burning out. Stock prices are unpredictable. Even large investors often go into the red.
3. And most importantly, you need capital. There is no way without him. And if this capital is small, then there can be no talk of any millions. Making a million dollars out of 10,000 or even 100,000 rubles is almost impossible.

If you want to make a million dollars in a month, it's impossible, be realistic. Well, only if you unexpectedly win the lottery. If you look for some ways, open a business, everything is possible. And if we consider what you can earn a million on, then anything can “shoot” here. The same ties or pajamas are a great example of this.

What to do with a million dollars if you have already earned it? Definitely, invest further and get many times more in the end. This is the key rule of any business.

about the author

Irina Rusanova - higher education at the International East European University in the direction of "Banking". Graduated with honors from the Russian Economic Institute named after G.V. Plekhanov with a major in Finance and Credit. Ten years of experience in leading Russian banks: Alfa-Bank, Renaissance Credit, Home Credit Bank, Delta Credit, ATB, Svyaznoy (closed). He is an analyst and expert of the Brobank service on banking and financial stability. [email protected]

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Exchanges, funds, shares

Exchange and stock markets are also interesting, where investors are offered high rates of return, which can reach up to 50-70% per annum. These include mutual funds and PAMM accounts, where the level of risk will approximately correspond to the amount of income.

You should be very careful and careful when choosing a management company or trader to whom you entrust your money to carry out various transactions for the purchase and sale of currency or securities. We suggest you read about the reliability rating of such companies in this article.

The best deposit offers for today ⇒

Today, purchasing federal loan bonds is gaining popularity. OFZ is issued by the Ministry of Finance of Russia, i.e. in essence, you transfer your money for temporary use to our state.

A bond is the same security, with its own amount, duration and percentage of profitability. The longer its validity period, the higher the percentage you will be offered. How you can purchase OFZ for a private individual is described in detail here.

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Author of the article Irina Rusanova

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Investment projects where you can invest 3 million and make a profit

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