Investment that everyone is doing

Earlier I was looking through Robert Kiyosaki’s book, Cashflow Quadrant. The book illustrated some forms of investing that was always been practiced by average people among us.

That practically caught my eye! So I am sharing my thoughts and also facts on how average people think AND how successful people commented otherwise in a real world aspect.

Most average people have invested in either 3 or all of these investments I am showing below:

1.Education

Most average people invested in education as part of their investment. They invested into professional education; enrol in their Masters and PhD’s so that they get a professional career that offers thick paycheck.

Response from the real world:

While it may be true, education is a great tool of investment. But it may results to chance. Take an example this person graduated in his/her Master. Brought up a state-of-the-art CV to a prospective company. After being hired, he/she will be competing against his/her fellow colleagues. And a company hierarchy comes in a pyramid style.

Out of 10,000 executives, 1000 are promoted as seniors.

Out of 1000 seniors, 100 are promoted as managers.

Out of 100 managers, 10 are directors

Out of 10, maybe 2 are MDs…

So against all odds, to become financially free, this person has to fight his/her way up the ladder to enjoy life being wealthy.  If he/she’s lucky will get promoted. If unlucky enough maybe they will just work for the next 30-40 years of their life to survive.

Investing in education ALONE is taking chances, not helping to build wealth.

2.Invest in Family

Some families may want to build a decent family. They support their children all the way up to college. This is part of their investment so that in return these children will continue to support the parents.

Response from the real world:

This may not be a perfect family lifecycle. As the global trend and lifestyle is changing, it is becoming very difficult for families to handle the living expenses and medical expenses of parents.  So the end of the day, both parents and children still working hard to support each other.  

3.Government retirement plan

Some people will continue to work for company and leaving a portion of their salary into government retirement plan such as 401k (named as EPF in Malaysia).

Response from the real world:

It may sound sensible to leave a chunk of money for the government to invest. These people may have to rely on the government to return the money back to them. This is taking chances to hope that the economy and country’s future development is positive. One may not know how much return they can get until they receive the money. AND they may know even know if this money is SUFFICIENT for retirement.

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Whether you agree to it or not, these are the 3 forms of investment being practiced by people in the Industrial Age or older generation. Since that we are in the Information-Age where things are moving differently, hence these forms of investment are risky.

I am stressing that doing these 3 forms of investing are fine provided there are other sources of investment to help you build the passive income.

It was sad to know that some people to work 30-40 years until they retired. They relied their income in these 3 forms of investment, although they know its not helping them…Wake up!!

US economy improving slowly says Feds

Now this is what I am talking about, issues of natural disasters, speculative selling, and profit taking are finally slowing down. Things are moving at a slightly natural flow.

Yesterday the Feds announced in minutes that economy is slowly improving. This is an indication that cyclical sector is slowly moving upwards once again! Hah, after weeks of sufferings!  


Well as for now, industrial stocks is picking up already, after yesterday’s closing on NYSE. And I have mentioned in my previous post that cyclical stocks were sold down mercilessly. 


BUT now....if you have liquid cash, its time to slowly targeting cyclical ones that is very cheap right now. Industrial and energy like Caterpillar and Sandridge are one of them.

Question here, why am I looking into economy in US rather than Malaysia??! 

Simple question with simple answer. US being a leading economy dominator will affect most of the countries around the globe. Especially those relying on US economy to boost its country’s growth. Malaysia being a developing country is attracting the support from US, this is an indicator that Malaysia economy is partially related.

Malaysia launched Invest Malaysia New York 2011 (IMNY 2011) event in New York yesterday attracting fund managers, brokers, MNCs and bankers to invest in local companies. So like it or not, if this prove to be successful, we can’t avoid NOT looking into US economy!

You can do homework; try to look at the result of NYSE stock index.  If it rise up high today, KLSE index will rise as well the next day.

This is just one of my simple indication, but bear in mind I am not an economist who went through comprehensive research to justify anything. I am just a simple investor.

Are you happy with your job? No? I tell you why

"If you are one of those who believe that hard work and honesty alone will bring riches, perish the thought! It is not true!" Napoleon Hill

Again another quote from Napoleon Hill. This one caught my attention, because it was undeniably true! Napoleon Hill explained this quote in his book Think and Grow Rich in 1937. And after more than 60 years, his quote is still true about what is happening in our real life. Hard work do not bring you joy, happiness and wealth. It only makes you feel tired, unhappy and POOR!

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Have you encountered a scenario like below around you?

Adam had a family of 3, and a loving wife. He was promoted last year and bought a house with his savings and extras from his salary increment. Each month he had to pay for mortgage for a semi-detached, and expenses: spend 3 meals a day for family, children's education, utilities, car, insurance and weekend entertainment.

In order to cover expenses, he told himself he needs to work hard for his career. Work on projects until late night to please clients, therefore making the bosses happy.

Slowly, he realized the money is not enough to fund for family expenses. He realized he needs to work HARDER to get promoted again and earn more increment. Therefore he pitched in more sales and work on project even harder. Few days of sleepless nights, sometimes he needs to work on weekend and gave up entertainment on weekend.

He hardly see his children anymore. By the time he reached home it was 1am, children were asleep. He woke up at 7am and go to office again to work. Health begins to deteriorate because of the lack of sleep. His wife started to find a job to support the family's mortgages and education.

Doctor advised him to work less as his high-blood pressure will result to a critical level of stroke. He decided he needs to work lesser. He changed his job, sold his home for a smaller low-end house. No longer able to go for weekend entertainment and sometimes have to skip dinner to have only 2 meals a day.

While both parents were at work, nobody can take care of the 3 children: Lisa 1 year old, Harry 3 years old and Dominique 5 years old. Bringing them to day care needs even more expenses...and story goes on. One day he said to himself, "FML...!"

Is his life happy at all?
All he wants is to work and support his decent family. But despite what he wants, he did not get it.
What is wrong here?
He shouldn't get married?
He shouldn't have children?

Of course NO! What he did wrong here is that he work HARD. And he work hard ONLY.
He set a wrong objective of 'working hard to lead a better life'.

Don't be surprised this is what you always see around you!

Yes, we would like to have a better life, but working hard is not the solution. While we work, we need to find a way of working that can give us what we want.

Assuming his option here, a wife and 3 children. What he can do is to have lesser expenses, smaller commitment, use the money to grow for more money. The solution? Its in all my previous posts...

Is Silver still safe??

Yesterday we have witnessed the sharpest fall in commodities’ share.

Earlier headlines in articles and news clouded the word, ‘Buy Gold! Buy Silver!’. But what they never tell investors were that, they should ‘Buy it BEFORE its too late!”.  Now we are witnessing the sharp fall. Traders or fund managers who have bought it last few months were taking profits from commodities, after the dropped in oil price hinting economic recovery.

I bought into cyclical markets and have not sold it since months ago. People may want to take advantage of short-term profit, buying silvers, buying into short term fall, they can go ahead in the past, but NOT NOW!

We have seen today that oil price traded below $100. Japan’s rebuilding effort slowly picking up, middle-east tension is not a surprise anymore…Things are slowly getting back to normal.

If anyone does not believe it this case, look at how much sharp fall commodities have presented. Most of the time they went reversed with the cyclical market. Most likely economic recovery is on its way.

We shall see as things move on, I am still cyclical in this situation.

Never submit to failure

If you think you are beaten, you are,

If you think you dare not, you don't,

If you like to win, but you think you can't,

It is almost certain you won't

If you think you'll lose, you lost

For out of the world we find,

Success begins with a person's will

It's all in the state of mind.

If you think you are outclassed, you are,

You've got to think high to rise.

You've got to be sure of yourself before

You can ever win a prize.

Life's battles don't always go

To the stronger or faster man

But soon or late the one who wins

Is the one WHO THINKS HE CAN!

1937, Napoleon Hill

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I never fancy poems or literature, but this one sounds simple enough for anyone to understand the insights and meaning reflecting.

We must never submit to failure, and if we think we cannot do, then we can't. 

Same goes to what we do:

What will you do if you lose money in investments? 

Instead of giving up investing, you learn and improvise!

What if you have no money? 

Then you will constantly have no money if you always have the same thought.

What if you think that you can't find a way to earn more money? 

Then find a way! 'Cannot find a way' is not an option.

How to get rid of debt? You want to get rid of debt??

Yes, this is the question...do you want to get rid of debt? My answer is yes AND no!

First answer, YES, you should get rid of bad debt, so that you don't owe anybody money, and save on interest.

We know interest will keep compiling the moment you owe money to banks, companies, or even friends (who wants to charge interest on you!).
What do we do to get rid of debt? 
Cut your credit cards? Learn to be stingy? Run away from the country? Hmmm, none of these...

All we need to learn is to manage your credit cards, and I have a post just to talk about this
http://wealthstreetjournal.blogspot.com/2010/12/how-to-use-your-credit-card.html

And start budgeting yourself. I should ask you, at the moment what do you own? A car loan, and some personal loan for business purposes? Ok, regardless of what you have, always make sure that you have enough balance to pay back these debt each month. If you can't manage to pay back, then don't even borrow it in the first place!!


My second answer, NO we don't get rid of good debt. What is good debt?
Some of you may have borrowed money to finance on your mortgage or property loan. Well, these are assets, not liabilities...As year goes by, inflation rate will increase, and it will help to increase the value of your property.

1. Therefore if you purchase a house at $100,000
2. After paying deposit of $20,000; you need to borrow additional $80,000 for 20 years 
3. Assuming next 20 years it appreciates to $180,000.
4. Plus minus interest of loan, you could reap a $40,000+ nett if you sell it after 20 years.

Now this is a good debt, you borrowed the money to create more value to you in the future.
And bad debt? Bad debt is those money you borrowed that's gonna drag you further to poverty. Bad credit card management is one great example.

Do you think having $1 million dollar can be rich & financially free?

I just happened to have this idea of measuring $1 million dollar the other day.

Okay, you heard it from direct sales meeting, seminars, and books about achieving monetary goals:

“Yes, you can become a millionaire!”

” It’s time to earn your first million!”

“You can be financially free!”

If having $1 million dollar today is rich, then in the early 1940s having $1 million dollar is extremely rich!

This is because value of our current money will reduce every year, caused by our ‘generous’ inflation. 

Inflation rate goes up over the years, and average inflation hike rate is normally 3.5%.

Simply take this example of a cup of coffee. One cup today cost us $2, in the next 20 years one cup may cost us $4.

Therefore do you think you will be financially free, having $1 million dollar next 30 years? I doubt so.

If you are in your mid 30s, you will need money to start up a family, buy a house perhaps, taking care of parents and apart from all that you want to be financially free…How does $1 million dollar be enough??

A single family home in 1934 cost you $7,000;

In 1960 it will cost you $82,200;

In 1995 it will cost you $272,000;

Almost every 30 years the figure jump by a digit.

 So another 30 years, year 2025, how much will a single family home cost you?? I let you calculate the figure.

Here is the chart of an employee earning fixed monthly salary for living:-

When he first started, his income is still above inflation rate, he is fine. In the years to come, if he still gets the same salary, inflation will catch up with his rate. While still earning the same salary, he will become poor before knowing why!

$1 million dollar is not enough for years to come, so what should we do??

This is the chart we should be having:

You need to earn extra income that is beyond fixed salary through investment. You need to cope with the inflation rate, if the inflation rate goes up 3.5% every year, your investment interest should be compounding more than 3.5% every year. Then you make real money!

Tips for stocks that make you rich!

Here's what I have encountered in real-life.

Adam was an average middle-aged man, he is just like other common people wanted to earn extra money for his family and to live better... And one fine day he caught his eye on a half-paged ad on newspaper with big header, 

"Free 1-hour seminar to learn how to pick a profiting stock".  

Without hesitation he grabbed his cellphone and registered for a seat. 

Eventually the day arrived and he was in the seminar, comfortably seated. After listening to an hour's speech, speaker requested the audience to open up any questions. Adam raised his hand, the only question he asked was, "Tell me which stock should I buy to earn money?".  

Speaker replied, "Now if you want me to tell you what to buy, you are wasting your time attending my seminar. Similarly, if I know how to cook well, I won't let you eat my food, instead I will teach you how to cook like ME."

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I can't agree more with the speaker. Adam was practically asking a dumb question, forgive me for being sarcastic. But this is a real experience, people are always impatient to earn fast money.

Let me put this straight, so what if they get the tips to buy stock ABC? Eventually when they run out money, they ask for new tips again? Then again? Then another time??
How long can Lady Luck continue on?

Wealthy people are always willing to learn. They are enthusiastic about the tools and ways to earn money. They don't take shortcuts. Even a robber will plan before robbing a bank!

Though I am not an expert, AND I also know that some people earn more than me buying stock through tips. But I always have that in mind thinking that it won't last too long. Even long, it won't make them wealthy enough for the years to come.

My post title attracted some readers, most people will! Because fast money is always been perceived to be good money.  But they are not good! They are short-term satisfaction. So please do not to be like them, you can start to make some changes. Learn to earn money, that is for the better future. Tips is for very average people, you are not one of them.

How to pick the next profit stock - fundamentally

I love to learn, and I am constantly doing it. I don't think there are any other ways to earn money except learning it first. Either from people, from books, mentors, or whatever it may be...!

We have seen many books about getting rich in stocks. Some of us love fundamentals and others prefer technical analysis. While both ways can help earn money, I choose to be fundamental on stock!

One of the reason being that love economics and I was fascinated on the fact that small little things can change a stock price so much! And how small little news can earn you a lot, or make you lose money till your pants drop.

Saying how to pick a profit stock, I will go by some of these points:

First, knowing what happened around the world...Company especially cyclical ones are sensitive to economy and world environment. So this is the first and most important thing to look at before choosing. Let's take a great example, Japan's earthquake triggered the nuclear reactor...this is a bad news for Tokyo Electric Power Co (TEPCO). The company had a hard hit on the bad news, and those stock owners who did not read the news suffered great losses..

Second, company profile. This is simple, wanna know the company? Google it, or search it in wikipedia, or go to their site. Read it. After reading, ask yourself...do you really know this company well? Is the company as simple as saying  'Coca cola sells carbonated drinks'? or  'Starbucks sells coffee'? For some cases, if you can't figure out what a company is doing then avoid owning the share.

Third, is company earnings. Now you need spend some effort reading some of their earnings figure, profit numbers, etc. These are very much related to accounting. But wait, you don't need to be an accountant to read it. I flunk my accounts paper before and now I am reading income statement, balance sheet and cash flow statement. Ripley's??? Believe it or not??

Fourth, the management. Investors will only invest their money in a company that are trusted...If company was facing trouble or sudden change on management. We surely know that share price will be triggered. Great example of what happened yesterday, David Sokol resigned from Berkshire Hathaway (company own by billionnaire Warren Buffett). This triggered an impact over the company, and for sure a change will respond to a drop of share price. Be it short-term/long-term.

Legendary investor, Warren Buffett

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Go through this steps...you will find a company that's worth investing. I am sure of it!

........but if you are lazy, then you have just wasted your time reading my post just now. Too bad, find some other magic article worth your time. 

Are you thinking of getting profit over market uncertainty?

The market doesn’t like uncertainty. Yes, I am talking about the stock market, very uncertain since last month.

Dramatic events came like a chain of problems. Starting from Egypt’s protest to Libya’s battle to Japan’s tsunami. Things don’t slow down don’t they?

But still, face it…this is a stock market we’re talking about. Economy is a very sensitive element on such investment. I admit that novice investors are getting panic thinking that market is over, everything is going down!

Let me tell you, its wrong! Being a discipline investor you need to stick your head on the game. We don’t beat the market, we move along with it. Market is trading sideways right now, no denying, but as things are getting stable in the future, stock will move upwards. What goes down will always comes back up. Be optimistic!

So here’s some plan that perhaps you can do. I will target on certain industry that may help and when things are getting better, you know where to get profit from.

Japan suffered great losses over the unfortunate disaster. However they are not gone! They are the 3^rd largest economy in the world. And as they reported that they will need estimated 5 years to rebuild the wreck. They need a lot of materials for rebuilding.

And you come in play here. You may begin to target on cyclical industry such as energy, timber, metals/mining, and construction as it’s obvious that Japan will need plenty of those to proceed with their restructuring. And therefore, requesting imports from other countries in that case. Despite having to spend more money, Japan is actually helping these companies to earn profit.

Big companies like General Electric and Caterpillar have confirmed to participate in rebuilding Japan. You may start doing your homework now to see which other companies that may benefit from here.

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And that is for future, and for now I am not going to touch on anything yet. Market is still unstable, and share price swing even faster than my mood. I choose to wait and standby. Perhaps you can do so~ let the fund manager and analyst do their job.



Stock market has been BULLISH, what's next?

Stock market has been bullish last year, after the major fall during 2008. Somehow we have almost seen the last of the bull market right now.

New year is supposed to see a new fresh start. And now the economy is giving us something really fresh. And fresh doesn’t mean good news. The world is giving us bad news after bad news...Eventually, this leads to investors panicking, selling their portions, taking profits. All these led to share price dropping like nobody’s business.

Let’s recap on what had happened in the recent months’ that’s leading to the end of Bull.

• Steve Jobs health condition worries Apple investors, despite having great confidence of 2^nd hand man, Tim Cook.
• Google CEO stepped down and replaced by Larry Page.
• China inflation raises doubt of Asia investors and foreign investors related.
• Middle-east riot and rebel on. Egypt, and Libya especially, with their control over oil is changing the direction of investors on different industry.

Now looking into all these, we all know that market will not gonna fly any moment soon.  And since we know that the market is selling off low. We can start to stash some cash and wait for the right moment to buy in again.

Whenever market rose, it will fall. And whenever it fell, it will rise up again~ so if you have money, save it. Wait and see, then pump your money in when the time is right.

So that’s how we look for a bull market. I made this an interesting way to see where my money will go in future. No wonder economy is one of my favourite subject!

Apple has chosen Verizon, its on the rise be prepared

We have known this last month, all the planning had come true for americans! Finally Apple is offering its phone on Verizon. This is not something unfamiliar for fellow americans. Its announced that early February Verizon will officially offer its iPhone sales.

So what do we see here? AT&T, a company that used to monopolize the mobile service market is finally facing a threat. Now that Apple has introduced Verizon into their offers, we can predict many users will switch their services from AT&T to Verizon. Some even start planning to buy a new iPhone from Verizon perhaps!

*Shoooo~~ I am not promoting Verizon, although I know that many current AT&T users have been complaining about the service. Well, I am not from US anyway I can't subscribe, however I can support its market share!*

That's why my words here are to be prepared for the share price to soar! When we see such announcement, we know its going to boost the sales and service of Verizon tremendously and Apple will have an advantage over consumers' positive reaction.

And just today (26th Jan) Verizon revealed that they are offering $30 unlimited data plan for their iPhone subcribers. Here's another tasty sideline to attract new consumers! I did my homework, saw the opportunities that Verizon was able to offer, therefore recommending this as an open opportunity. Share price may increase, a compliment for the coming Chinese New Year ahead, lol!

Apple and Google investors, are you emotional??

We know that there are plenty of investors out there. And for anyone who doesn't know much about stock investment, all they have in mind is that stock is risky, people commit suicide or go bankrupt after owing so much money in stock....pile of bullshits and skeptical hypocrites...~

Before we even decide to say that, think about what kind of investors these people were?? They are financially uneducated, greedy and emotional investors....

Maybe I can share events that happened this week. We have this two real BIG companies, Apple and Google, hail a champion in New York Stock Exchange. Big players, high earnings yield, profits soaring.

As Apple released their own smartphone, the iPhone, it brought so much hype into the world. People everywhere with different skin colors, holding the same smartphone. Apple got so much demand on iPhone that they are in fact worried of not being able to produce as much as demand.
When they introduced iPad, it revolutionize the tech era....and now everyone is talking about tablet PC, competitors like Samsung and Motorola come into picture.

As for Google, we all go to the site everyday~ They dominate by being the world's most recognized search engine, earning high profits through adclicks and having a big base to continue to boost their growth. Although Google is trading at more than $600, analyst still consider their share DARN CHEAP! 

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Nonetheless, lets see what happened this week...

CEO of Apple, Steve Jobs reported to the company on 16th Jan that he will be on sick leave, however he will still be involving in major decisions. His role will be replaced by COO Tim Cook for now. And what happened to the share price? It finally took first hard hit after few months. The share dropped from $348 to $326...investors who had invested on Tuesday was disappointed with such fall.

Just so happen that this week, on Thursday, Google announced the change of CEO.The former CEO Eric Schmidt stepped down and remained as an executive chairman, and Larry Page is taking over the business as the new CEO.
Share price dropped tremendously even before the announcement. But hardest hit was a day after the announcement where it dropped -$14.94  to $611.78! Holy cow, whoever bought it that day is losing money like nobody's business.

So what do you see here? If you are an emotional investor, then stock is scary. If it drops, it really kill you man! Imagine you put your hard earned $100,000 into Google last 2 days? You lose thousands of dollars for goodness sake!

But if you are a smart investor, what should you do? If I have a lot of money, I will put in more! Google and Apple are giving huge discount now! People are skeptical, they are fearful, they are emotional. When they saw sudden changes in the management they got panic and sell off whatever remains that they have.

Not considering the real fundamental behind the company. Can't we see, despite the changing of CEO doesnt change the fact that the company is still dominating the market NOW? Does changing of CEOs make a company go bankrupt instantly?

I see stock investment as long term, if a company is prominent enough, they will continue to soar despite some headline news on and off the hook. I see them both as big players that will continue to move on. Stock is a cycle, they go up and down, but for Google and Apple, shares will drop eventually, but not now!


*Note
Please bear in mind, before invest, consider the risks and reasons to invest. I did my homework and understand what the company is doing before giving my opinion. So doesn't mean that I am a fortune teller saying stock will rise and it will do so instantly.

You have extra money, but don't know what to do with it?

You have money, but you don't know what to do with it? Does this idea occurs to you? You have money but doesnt know what to do with it. Or you are a simple full-time employee getting the same pay, but always want to get even more money from what you already have?

That is the problem most people are facing. They have money obviously, but doesn't know where to
stuff their money to. So they rest it at the hand of the banks.
Banks gives you interest, and you thought its compounding from time to time you still earn. And hey, you missed out the inflation!!

Now if you put your money in the bank, it doesnt grow with bank's interest, inflation eat up interest clean!
Imagine a cup of coffee today based on the current price may cost you $2, in 10 years it cost $3.5, another 20 years perhaps $5 a cup!

So we all know savings account is not a solution of earning money. So if you do have money in your account and you wanna do something about it, good!
At least you are better than people who spend their money clean and desperate to wait for next month's paycheck.

To earn money you may go into some very simple alternatives:

1. Sales. As simple as that! You like to talk, you are good at building network, smart at finding new prospect, then your wealth will flourish! Obviously if you are so good at sales, you wouldnt have to worry about lack of money (provided you don't spend unwisely).
2. Multi-level marketing. Hah, another way to build passive income, get steady, recruit more people under you and earn money as people under your supervision get sales and you earn their commission.
3. Property investment. Very high chances of getting profit out of this, you can estimate the value of the property you buy and sell it at the right time and right price. And of course, you need a huge capital to start with
4. Own a business. Start selling something, create new ideas and sell it to any prospect. Or start with a blog, write something interesting sell your service/product or earn money through the ad.

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It took  me 5 minutes to have thought of these 4 ways of earning more money. There may be more ways obviously~ So you can ponder for few mins, see if you like to do any of the above??

If you dont? It doesn't matter, there is another solution to earn your money wisely. Investing. My best way to earn money just like that.

You hate sales? You are lazy to think of a business plan to start new business? You don't have enough money to buy a real estate property?  Then you invest....!

Many kinds of investment you can start looking into. Different investing method with different risk levels If you want a lower risk, can always go to mutual funds, diversify your risk (AT A PRICE) due to high service charge. But you can rest assured that it although doesnt earn too much but chances of price drop is low.

Or perhaps going into shares, invest into good quality company, see your money grow with them. If you want to be a value investor, choose a company with good fundamental and own their shares and watch it raise.

You can go for another alternative investment, bond. This become interesting in a sense that we see company/country issue bond because they need to temporary borrow your money for operation purposes When we see that they are desperate, they will issue higher yield (interest earned) for lenders. And if you are willing to borrow, then you can earn interest from what they offer.

Portugal, as it sees the poor performance of Europe affecting the country, they are selling bonds to people. This is to prevent bailout, to avoid being bailed like Greece or Ireland. They are selling bond with predicting more than 4% yield, which is a good shot for bond investors.

If you have money, consider investing as a tool to earn more money than you currently have. At least you plan smart in managing money well.

Guys, why do you need to be rich??

This morning I've listened to a BBC news radio broadcast...topic was quite interesting, that's why i am sharing. It mentioned

"Are increasing numbers of women marrying men for their money?"

Source: http://www.bbc.co.uk/news/uk-12112283

 Many of us have always heard of this statement, sounds very familiar? Women look for the rich, don't be surprised to see an old man holding a young woman's waist while going shopping. We have seen it, seems common doesn't it? They can do it because they are rich!
So face it!! I say, this is what's happening today.

Study has shown that more woman are marrying for money than in 1940s. At our current age, women tend to be more highly educated than in the past, and some tend to look at relationship as a total quality. Quality in a sense that they have the same education background like their spouse/partner. Or same earning power, some earn even more.

Women have demands and if they can be successful, they want their spouse/partner to earn higher or to be more educated. So that they can become the full time homemaker. These category of women seek for a richer lifestyle and value a person through the measure of a man's power or wealth.

Even before I've heard of this broadcast, this is exactly what I have in mind long ago. I have seen it, and I realized the importance of wealth in most of the things. And that's why i always encourage people to build their wealth while they are still able to. Because I seriously believe that women eventually will measure a man's wealth as part of the requirement.
Agree? No?? Then prove me wrong!

Whatever we have seen in articles or chick flick, interpreting true love regardless of any possessions...
It isn't the real world, gentleman....
I understand this fact, that is why I never stop earning more money. Guys, you can't wait no longer, money never sleeps...

Why do you need to invest in 2011 - a new year resolution

Its a brand new year, everyone have their own resolution to come about. Some wants to buy a new house/car in 2011 or get a girlfriend before the end of the year or get promoted or higher increment or save more money or lose weight, and bla bla bla~

So what is MY resolution for 2011? It may look slightly different from whatever I've mentioned. I am aiming to SAVE more money and SPEND on investment. Because the bull is raging, economy is being picked up by the raging share markets, and news are spreading all over the world! I have roughly measured that half of my salary will go to investments on good opportunities.
So my resolution? I want to double-fold or even triple-fold my returns if I made the right decision and right discipline in all.

So what is YOUR resolution for 2011? If its not about money, then the rest of the info I am going to share here means nothing. But if you want more money, then hear me out why you need to invest in 2011...!

Many reasons and many places you can look into. After the economic downturn in 2008, finally we're seeing some growth. Industry that has been falling are starting to move upward once again. Here are some points for the growth all over the world:

• Talk about US, the indicator of the world's economy. Many countries or even companies monitor the health of US economy as an indicator to the world's status. We're seeing banking industries starting to pick up again, Citibank that used to be hit with worst impact are starting to move ahead (most credit card holder still have Citibank card now right??). New mobile technology has made a new generation impact, I am talking about Iphone/HTC industry or perhaps Ipad/Amazon Kindle industry. The multifold sales of Apple products have boost the economic greatly on the likes of supplies of raw materials, distributions, marketing, mobile service provider, manufacturing plants, etc
• Now we talk about my home country, Malaysia. Although it doesn't get the hardest hit on 2008 downturn, but it followed the growth together with US economy. We are seeing the banking line moving forward, seeing Maybank growing steadily, CIMB shooting up high in 2010, and RHB which has just set up partnership with US giant, Goldman Sach on funds services. Malaysia's plantation industry will start to take a lead as the exporting business will eventually grow faster in 2011.
• Our neighbour country, Singapore is not doing too bad as well. Their economy surprised many when they reported GDP growth of 6.9%, strong growth were on manufacturing and service line contribution.
• China is another big giant that is blooming! Despite the fear of inflation in China, it doesn't stop foreign investor to continue pumping in money to China companies. Talk about Baidu, what is it? Put it this way, the next Google is happening in China. Baidu is predicted to be the next Google in the country with their shares continue to rise up the peak. The internet services growth in China seems to blow people away. Talk about Sina, Sohu and Baidu are some of the investors' bulls eye right now.
• India market is also the next big thing. They are hidden in the shadow, not being noticed by most investors. Big giant Tata Steel continues to push forward, with the monopoly of price-control they are not affected by the price increase of ore or coal to keep them moving in the economy. While agricultural sector plays a big role in contributing the high GDP for India previous quarter.

Please be noted that all the information above are not copy-pasted articles from any other sites. They are all the information I've read and are expressed based solely on my opinion.
Market are very bullish now, unless if unpredicted future bad news occurs.
So don't stop investing if you know how the right market and method to invest. If you are a bond investor, you can leave bond aside and move on to better money right now.

However, investing requires plenty of info and knowledge, whether it is fundamental or technical aspects, its not a hit-and-run money maker.

 Anywat I am not an expert, I just want to share. Happy investing =)