tag:blogger.com,1999:blog-13913936133536457312024-02-21T15:47:27.741+08:00WealthStreet JournalMy life as an entrepreneur, freedom lover and fitness freakKc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.comBlogger29125tag:blogger.com,1999:blog-1391393613353645731.post-78518013968395448082013-06-06T23:39:00.001+08:002013-06-06T23:39:24.219+08:00A Bang for the BuckI've got all these books and it cost me so much lesser than what I was meant to pay! When life begins as an entrepreneur, I should step foot somewhere. And discover that I need to develop some of the necessary skills, that is through books.<br />
Hence, I stepped into this good old-fashioned wholesale bookstore that sell books that were dirt cheap. I never regret a single penny spent. What have costed at least USD10 was slashed at 70-80% of its price.<br />
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EAT PEOPLE by Andy Kessler, anti Warren Buffett. Somewhat a good entrepreneur read. I need to start somewhere at least. I don't see a reason why I shouldn't start here.</div>
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MARKETING GURUS. Teaches all the fundamental from reputable marketing gurus such as Seth Godin, Guy Kawasaki, etc. I believe that despite the change of age of our world, knowing some fundamentals will prove much good . Isn't it so??<br />
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Packed with knowledge, I am all out and all motivated. Yes, I know life is going to be so exciting right now. I've created something out of nothing, and hence begins my journey of entrepreneurship. As the saying goes by Lao Tzu, "A journey of a thousand miles begins with a single step"<br />
<br />Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-8032353393203584932011-05-27T10:42:00.000+08:002011-05-27T10:42:46.100+08:00Investment that everyone is doing<div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">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.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">Most average people have invested in either 3 or all of these investments I am showing below:</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><br />
</div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;"><span style="font-size: large;"><span style="color: #b45f06;">1.<u>Education</u></span></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqB2BHRtZILskb2g44vRjd9gZhumwNBZrKxcILkScJkGxNoyHyV2g3oY9X1dNO55uwNAsCt5ZXFYtBeVCn-GyxBF1K0B7YAnAsRt6lCxeEiPCEHziFsU8Hvq0Z6hMM1cMMChawT1FWuwg/s1600/collegedegree.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhqB2BHRtZILskb2g44vRjd9gZhumwNBZrKxcILkScJkGxNoyHyV2g3oY9X1dNO55uwNAsCt5ZXFYtBeVCn-GyxBF1K0B7YAnAsRt6lCxeEiPCEHziFsU8Hvq0Z6hMM1cMMChawT1FWuwg/s320/collegedegree.jpg" t8="true" width="320" /></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">Response from the real world:</span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">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. </span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">Out of 10,000 executives, 1000 are promoted as seniors.</span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">Out of 1000 seniors, 100 are promoted as managers.</span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">Out of 100 managers, 10 are directors</span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">Out of 10, maybe 2 are MDs…</span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">So against all odds, to become financially free, this person has to fight his/her way up the ladder to enjoy life being wealthy.<span style="mso-spacerun: yes;"> </span>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. </span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><i style="mso-bidi-font-style: normal;"><span style="color: red;"><span style="font-family: Georgia, "Times New Roman", serif;">Investing in education <span style="font-size: large;">ALONE</span> is taking chances, not helping to build wealth.</span></span></i></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><br />
</div><span style="color: red;"><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-size: large;"><span style="color: #b45f06;"><span style="font-family: Georgia, "Times New Roman", serif;">2.<u>Invest in Family</u></span></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQupK-t0xDn0B6TSJcmruUQTdO8hZCQpecFd6ntOBtzseKb7KRDN8_rixKyPy5tGrpdpvZkGDG5djp4SJzqpAw4xc1VyWalswytPhWBphobxhvisA0jpXQsQgHU8EsifAVDm44Q2QTbm0/s1600/dots-happy-family-cartoon.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQupK-t0xDn0B6TSJcmruUQTdO8hZCQpecFd6ntOBtzseKb7KRDN8_rixKyPy5tGrpdpvZkGDG5djp4SJzqpAw4xc1VyWalswytPhWBphobxhvisA0jpXQsQgHU8EsifAVDm44Q2QTbm0/s320/dots-happy-family-cartoon.gif" t8="true" width="320" /></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: black; font-family: Georgia, "Times New Roman", serif;">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.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red;"><em><span style="font-family: Georgia, "Times New Roman", serif;">Response from the real world:</span></em></span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red;"><em><span style="font-family: Georgia, "Times New Roman", serif;">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.<span style="mso-spacerun: yes;"> </span>So the end of the day, both parents and children still working hard to support each other. <span style="mso-spacerun: yes;"> </span></span></em></span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><br />
</div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-size: large;"><span style="font-family: Georgia, "Times New Roman", serif;"><span style="color: #b45f06;">3.<u>Government retirement plan</u></span></span></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_ackBaDwayAZO0XB2HEjS7zeyEidYdEY4jbMGXkNXuUx8xHDm_sBxWNqYlZUe0v3KOKOVhnlFkLJaukS20MYQ5m0iyR2aEj-Ml1K7q9Sx6CBoq8rHLugxuXEz2PEnfcQsIrcVJTerxHQ/s1600/iStock_000004385689XSmall.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="153" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj_ackBaDwayAZO0XB2HEjS7zeyEidYdEY4jbMGXkNXuUx8xHDm_sBxWNqYlZUe0v3KOKOVhnlFkLJaukS20MYQ5m0iyR2aEj-Ml1K7q9Sx6CBoq8rHLugxuXEz2PEnfcQsIrcVJTerxHQ/s320/iStock_000004385689XSmall.jpg" t8="true" width="320" /></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: black; font-family: Georgia, "Times New Roman", serif;">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). </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red;"><em><span style="font-family: Georgia, "Times New Roman", serif;">Response from the real world:</span></em></span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red;"><em><span style="font-family: Georgia, "Times New Roman", serif;">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.<span style="font-size: large;"> AND</span> they may know even know if this money is <span style="font-size: large;">SUFFICIENT</span> for retirement.</span></em></span></div><div align="center" class="MsoNormal" style="margin: 0cm 0cm 10pt; text-align: center;"><span style="color: black; font-family: Calibri;">***************</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: black; font-family: Georgia, "Times New Roman", serif;">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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: black; font-family: Georgia, "Times New Roman", serif;">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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: black; font-family: Georgia, "Times New Roman", serif;">It was sad to know that some people to work <span style="font-size: large;">30-40 years</span> until they retired. They relied their income in these 3 forms of investment, although they know its not helping them…Wake up!!</span></div></span>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-24839353089980428252011-05-19T10:34:00.003+08:002011-05-19T20:46:46.966+08:00US economy improving slowly says Feds<div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, 'Times New Roman', serif;">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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, 'Times New Roman', serif;">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 <span class="Apple-style-span" style="font-size: large;">sufferings! </span></span><br />
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<span style="font-family: Georgia, 'Times New Roman', serif;">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 <span class="Apple-style-span" style="font-size: large;">sold</span> down <span class="Apple-style-span" style="font-size: large;">mercilessly</span>. </span><br />
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<span style="font-family: Georgia, 'Times New Roman', serif;">BUT now....if you have liquid cash, its time to slowly targeting cyclical ones that is very <span class="Apple-style-span" style="font-size: large;">cheap</span> right now. <span class="Apple-style-span" style="font-size: large;">Industrial </span>and <span class="Apple-style-span" style="font-size: large;">energy</span> like Caterpillar and Sandridge are one of them.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><blockquote style="text-align: center;"><span style="font-family: Georgia, 'Times New Roman', serif; font-size: large;"><i>Question here, why am I looking into economy in US rather than Malaysia??!</i> </span></blockquote><span style="font-family: Georgia, 'Times New Roman', serif;"><b>Simple question with simple answer. </b>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. </span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjo5O24ZP0cxyKl3SfCy_01QO6QlCFv1fRvVcwLpJeOAVbLJkDdALt6ZpxELcXaH-bF6rHC7Un2yZ4Qb0XFbx3bnpw5QqugqJOLPsUrBNUJ0fiQS67f3RPgxwcEXHKST08IS6dBxeBFTpk/s1600/77456594-malaysias-prime-565x458.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="323" j8="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjo5O24ZP0cxyKl3SfCy_01QO6QlCFv1fRvVcwLpJeOAVbLJkDdALt6ZpxELcXaH-bF6rHC7Un2yZ4Qb0XFbx3bnpw5QqugqJOLPsUrBNUJ0fiQS67f3RPgxwcEXHKST08IS6dBxeBFTpk/s400/77456594-malaysias-prime-565x458.jpg" width="400" /></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Malaysia launched </span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><span lang="EN-US"><span class="Apple-style-span" style="font-size: large;">Invest Malaysia New York 2011 (IMNY 2011)</span> 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 <span class="Apple-style-span" style="font-size: large;">NOT</span> looking into US economy!</span></span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span lang="EN-US"><span style="font-family: Georgia, 'Times New Roman', serif;">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. </span></span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span lang="EN-US"><span style="font-family: Georgia, 'Times New Roman', serif;">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.</span></span></div>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-87757293230780016472011-05-08T22:28:00.000+08:002011-05-08T22:28:34.533+08:00Are you happy with your job? No? I tell you why<blockquote style="text-align: center;"><span class="Apple-style-span" style="font-size: large;"><i>"If you are one of those who believe that hard work and honesty alone will bring riches, perish the thought! It is not true!"</i></span> <b><span class="Apple-style-span" style="font-size: large;">Napoleon Hill</span></b></blockquote>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. <span class="Apple-style-span" style="font-size: large;">Hard work</span> do <span class="Apple-style-span" style="font-size: large;">not </span>bring you joy, happiness and wealth. It only makes you feel tired, unhappy and <span class="Apple-style-span" style="font-size: large;">POOR!</span><br />
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</div>Have you encountered a scenario like below around you?<br />
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Adam had a family of 3, and a loving wife. He was <span class="Apple-style-span" style="font-size: large;">promoted </span>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.<br />
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In order to cover expenses, he told himself he needs to <span class="Apple-style-span" style="font-size: large;">work hard</span> for his career. Work on projects until late night to please clients, therefore making the bosses <span class="Apple-style-span" style="font-size: large;">happy</span>.<br />
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Slowly, he realized the money is <span class="Apple-style-span" style="font-size: large;">not enough</span> to fund for family expenses. He realized he needs to work <span class="Apple-style-span" style="font-size: large;">HARDER </span>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 <span class="Apple-style-span" style="font-size: large;">gave up </span>entertainment on weekend.<br />
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He hardly <span class="Apple-style-span" style="font-size: large;">see </span>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 <span class="Apple-style-span" style="font-size: large;">deteriorate </span>because of the lack of sleep. His wife started to find a job to support the family's mortgages and education.<br />
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Doctor advised him to work less as his high-blood pressure will result to a <span class="Apple-style-span" style="font-size: large;">critical </span>level of <span class="Apple-style-span" style="font-size: large;">stroke</span>. He decided he needs to work lesser. He changed his job, <span class="Apple-style-span" style="font-size: large;">sold </span>his home for a smaller low-end house. No longer able to go for weekend entertainment and sometimes have to <span class="Apple-style-span" style="font-size: large;">skip </span>dinner to have only 2 meals a day.<br />
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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...!"<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6rNAQYo3G48af631pUvuK52NvPGg3KOJhrdox3SxN9BOHMd6l2GqIZibVoBKbt7vN5qifZW77QmNN1aDFGK11H87zuT9CRx8Xc8k1fxY1MTH-w44O9Tti8HesrZ6RFuuDsxCauW_S-ro/s1600/sad_man.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6rNAQYo3G48af631pUvuK52NvPGg3KOJhrdox3SxN9BOHMd6l2GqIZibVoBKbt7vN5qifZW77QmNN1aDFGK11H87zuT9CRx8Xc8k1fxY1MTH-w44O9Tti8HesrZ6RFuuDsxCauW_S-ro/s1600/sad_man.jpg" /></a></div><br />
Is his life <span class="Apple-style-span" style="font-size: large;">happy </span>at all?<br />
All he wants is to work and support his decent family. But despite what he wants, he <span class="Apple-style-span" style="font-size: large;">did not </span>get it.<br />
What is wrong here?<br />
He shouldn't get married?<br />
He shouldn't have children?<br />
<br />
Of course <span class="Apple-style-span" style="font-size: large;">NO!</span> What he did wrong here is that he work <span class="Apple-style-span" style="font-size: large;">HARD</span>. And he work hard <span class="Apple-style-span" style="font-size: large;">ONLY</span>.<br />
He set a wrong objective of<i> 'working hard to lead a better life'</i>.<br />
<br />
Don't be <span class="Apple-style-span" style="font-size: large;">surprised </span>this is what you always <span class="Apple-style-span" style="font-size: large;">see </span>around you!<br />
<br />
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.<br />
<br />
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...Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-53519866022824824342011-05-06T12:05:00.001+08:002011-05-06T22:04:28.805+08:00Is Silver still safe??<div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Yesterday we have witnessed the sharpest fall in commodities’ share.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGaqdiFD09dsJ78t6fkZT_7LJitzsKC7-qfEQYosUCKqdRhyphenhyphenmQExQXfA1RFnbCYNEhWdt-kCgDxlaCYel05OCqqvOweUfEGrLJWj6aSi_v5Rld0uySCWbBpLY8xLR5iNw7AiDiYKZzDO8/s1600/gold-and-silver-coin-prices-790168.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><img border="0" height="293" j8="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGaqdiFD09dsJ78t6fkZT_7LJitzsKC7-qfEQYosUCKqdRhyphenhyphenmQExQXfA1RFnbCYNEhWdt-kCgDxlaCYel05OCqqvOweUfEGrLJWj6aSi_v5Rld0uySCWbBpLY8xLR5iNw7AiDiYKZzDO8/s320/gold-and-silver-coin-prices-790168.jpg" width="320" /></span></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">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.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">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!</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">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.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">We shall see as things move on, I am still cyclical in this situation. </span></div>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-86869735405510094122011-05-02T11:51:00.001+08:002011-05-02T12:16:27.361+08:00Never submit to failure<div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">If you <i>think</i> you are beaten, you are,</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">If you <i>think </i>you dare not, you don't,</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">If you like to win, but you <i>think</i> you can't,</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">It is almost certain you won't</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">If you <i>think</i> you'll lose, you lost</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">For out of the world we find,</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">Success begins with a person's will</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">It's all in the <i>state of mind</i>.</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">If you <i>think</i> you are outclassed, you are,</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">You've got to <i>think</i> high to rise.</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">You've got to be <i>sure of yourself </i>before</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">You can ever win a prize.</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">Life's battles don't always go</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">To the stronger or faster man</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">But soon or late the one who wins</span></div><div style="text-align: center;"><span class="Apple-style-span" style="color: #b45f06;">Is the one WHO THINKS HE CAN!</span></div><br />
<div style="text-align: right;">1937, Napoleon Hill</div><div style="text-align: right;"><span class="Apple-style-span" style="font-size: x-small;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: x-small;">************************************</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-size: x-small;"><br />
</span></div><div style="text-align: left;">I never fancy poems or literature, but this one sounds simple enough for anyone to understand the insights and meaning reflecting.<br />
<br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihXExGg_ADg2-zctO2E2NooYpk6A1i1ZPvYZ27q26RpHeXHfBODex5-5-9V_9g1HqAy6emoIIIA7thjnzTMcd8XspTNT-UtY6NYEv-nQFlks5qTq3xOfqXLAcE91NRlYEff2rWGeB5RHA/s1600/Kevin-Abdulrahman-Failure-is-not-an-option.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEihXExGg_ADg2-zctO2E2NooYpk6A1i1ZPvYZ27q26RpHeXHfBODex5-5-9V_9g1HqAy6emoIIIA7thjnzTMcd8XspTNT-UtY6NYEv-nQFlks5qTq3xOfqXLAcE91NRlYEff2rWGeB5RHA/s320/Kevin-Abdulrahman-Failure-is-not-an-option.jpg" width="320" /></a></div><div style="text-align: left;"><br />
</div><div style="text-align: left;">We must never submit to failure, and if we think we cannot do, then we can't. </div><div style="text-align: left;"><br />
</div><div style="text-align: left;">Same goes to what we do:</div><div style="text-align: left;"><br />
</div><div style="text-align: left;">What will you do if you lose money in investments? </div><div style="text-align: left;"><b>Instead of giving up investing, you learn and improvise!</b></div><div style="text-align: left;"><br />
</div><div style="text-align: left;">What if you have no money? </div><div style="text-align: left;"><b>Then you will constantly have no money if you always have the same thought.</b></div><div style="text-align: left;"><br />
</div><div style="text-align: left;">What if you think that you can't find a way to earn more money? </div><div style="text-align: left;"><b>Then find a way! 'Cannot find a way' is not an option.</b></div>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-59564639721998893042011-04-13T23:34:00.000+08:002011-04-13T23:34:00.824+08:00How 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 <span class="Apple-style-span" style="font-size: large;">AND</span> no!<br />
<br />
<b>First answer</b>, YES, you should get rid of <span class="Apple-style-span" style="font-size: large;">bad debt</span>, so that you don't owe anybody money, and save on interest.<br />
<br />
We know interest will keep compiling the moment you owe money to banks, companies, or even friends (who wants to charge interest on you!).<br />
What do we <span class="Apple-style-span" style="font-size: large;">do</span> to get rid of <span class="Apple-style-span" style="font-size: large;">debt? </span><br />
Cut your credit cards? Learn to be stingy? Run away from the country? Hmmm, none of these...<br />
<br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGO-7LDwE0I-QoOiPUeZ9B__vvHHiwj3A5NrB44m3KYGo1i0CiuVfSMDsXZim6dbGu6pqAFI7n1EOmjidkA6pAS9x8M9w7WyOeVcdSXcnfWI8zHCKM4Kr2C4xUU8SINeuekdwXJILUueM/s1600/cut-credit-card1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiGO-7LDwE0I-QoOiPUeZ9B__vvHHiwj3A5NrB44m3KYGo1i0CiuVfSMDsXZim6dbGu6pqAFI7n1EOmjidkA6pAS9x8M9w7WyOeVcdSXcnfWI8zHCKM4Kr2C4xUU8SINeuekdwXJILUueM/s320/cut-credit-card1.jpg" width="320" /></a></div><br />
All we need to learn is to <span class="Apple-style-span" style="font-size: large;">manage</span> your <span class="Apple-style-span" style="font-size: large;">credit cards</span>, and I have a post just to talk about this<br />
<a href="http://wealthstreetjournal.blogspot.com/2010/12/how-to-use-your-credit-card.html">http://wealthstreetjournal.blogspot.com/2010/12/how-to-use-your-credit-card.html</a><br />
<br />
And start <span class="Apple-style-span" style="font-size: large;">budgeting</span> 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 <span class="Apple-style-span" style="font-size: large;">have</span>, always make sure that you have enough balance to<span class="Apple-style-span" style="font-size: large;"> pay back</span> these debt each month. If you can't manage to pay back, then don't even borrow it in the <span class="Apple-style-span" style="font-size: large;">first</span> place!!<br />
<br />
<br />
My <b>second answer</b>, NO we don't get rid of <span class="Apple-style-span" style="font-size: large;">good debt</span>. What is good debt?<br />
Some of you may have borrowed money to finance on your mortgage or property loan. Well, these are assets, <span class="Apple-style-span" style="font-size: large;">not </span>liabilities...As year goes by, inflation rate will increase, and it will help to increase the value of your property.<br />
<br />
<ol><li>Therefore if you purchase a house at <b>$100,000</b></li>
<li>After paying deposit of <b>$20,000</b>; you need to borrow additional <b>$80,000</b> for <b>20 years </b></li>
<li>Assuming next <b>20 years</b> it appreciates to <b>$180,000.</b></li>
<li>Plus minus interest of loan, you could reap a <b><u>$40,000+ nett</u></b> if you sell it after 20 years.</li>
</ol><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZnyTyS0e2Dq5KLjEwiiSLZAAyQxqDwkvMT6dkk1u4i1ZXbd4hlCH0aoUM5fTy0YEedleZUaNEQYL6fkL_40PsugOULMJdZnw1rDEyFp3Za6dage-jFoPg9xl9uj7rx_AfyPyJTWnO-ZM/s1600/clip_image001.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjZnyTyS0e2Dq5KLjEwiiSLZAAyQxqDwkvMT6dkk1u4i1ZXbd4hlCH0aoUM5fTy0YEedleZUaNEQYL6fkL_40PsugOULMJdZnw1rDEyFp3Za6dage-jFoPg9xl9uj7rx_AfyPyJTWnO-ZM/s1600/clip_image001.jpg" /></a></div><div><br />
</div><br />
Now this is a good debt, you borrowed the money to create more <span class="Apple-style-span" style="font-size: large;">value</span> to you in the future.<br />
And bad debt? Bad debt is those money you borrowed that's gonna drag you further to <span class="Apple-style-span" style="font-size: large;">poverty</span>. Bad credit card management is one great example.Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-46014815415652340822011-04-07T00:27:00.000+08:002011-04-07T00:27:35.517+08:00Do you think having $1 million dollar can be rich & financially free?<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">I just happened to have this idea of measuring $1 million dollar the other day. <o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Okay, you heard it from direct sales meeting, seminars, and books about achieving monetary goals:</span><span class="Apple-style-span" style="font-size: xx-small;"><o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"></span></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><i><span lang="EN-MY">“Yes, you can become a<span class="Apple-style-span" style="font-size: large;"> millionaire!”</span><o:p></o:p></span></i></span></div><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"> <div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><i><span lang="EN-MY">” It’s time to earn your <span class="Apple-style-span" style="font-size: large;">first million!”</span><o:p></o:p></span></i></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><i><span lang="EN-MY">“You can be <span class="Apple-style-span" style="font-size: large;">financially free!”</span><span class="Apple-style-span" style="font-size: xx-small;"><o:p></o:p></span></span></i></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"><br />
</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">If having $1 million dollar today is rich, then in the early 1940s having $1 million dollar is extremely rich!<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">This is because <span class="Apple-style-span" style="font-size: large;">value</span> of our current money will <span class="Apple-style-span" style="font-size: large;">reduce</span> every year, caused by our ‘generous’<span class="Apple-style-span" style="font-size: large;"> inflation.</span> <o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">Inflation rate goes up over the years, and average inflation hike rate is normally <span class="Apple-style-span" style="font-size: large;">3.5%. </span><o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">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.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">Therefore do you think you will be financially free, having $1 million dollar next 30 years? I doubt so.</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">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 <span class="Apple-style-span" style="font-size: large;">enough??</span><o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRuxVYRRwIUcnaEN2CiPI-_mULj897659QH3Eo_4xZRYcPuof7irEGQ05VuDgKO-JDJMTwU5aNjoX_pJD2MDcNDieEUzDtBfF_pI1aXBbMz16ae1j3dXMWFc6CvDwxUPgFjEBAwci3BVw/s1600/house1-419.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="229" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRuxVYRRwIUcnaEN2CiPI-_mULj897659QH3Eo_4xZRYcPuof7irEGQ05VuDgKO-JDJMTwU5aNjoX_pJD2MDcNDieEUzDtBfF_pI1aXBbMz16ae1j3dXMWFc6CvDwxUPgFjEBAwci3BVw/s320/house1-419.jpg" width="320" /></a></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">A <b>single family</b> home in 1934 cost you $7,000;</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">In 1960 it will cost you $82,200;<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">In 1995 it will cost you $272,000;<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">Almost every 30 years the figure jump by a digit.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY"> So another 30 years, year 2025, how much will a <b>single family</b> home cost you?? I let you calculate the figure.<o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY">Here is the chart of an employee earning fixed monthly salary for living:-<i style="font-size: 8pt;"><o:p></o:p></i></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhafLPAFGhkzVVHIgWXC3v89EGyfVvaWZTowSV7x8fvF7McwM-9f1c1YOKxB1H6Xdbv3TvhmGh8Y_kE-NQrJ6e6DEPpFmI_iy-y1FBgDPIuPfEF8CScu_5cxq-R7ZH7uip3zA0bhpCJxxk/s1600/chart.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhafLPAFGhkzVVHIgWXC3v89EGyfVvaWZTowSV7x8fvF7McwM-9f1c1YOKxB1H6Xdbv3TvhmGh8Y_kE-NQrJ6e6DEPpFmI_iy-y1FBgDPIuPfEF8CScu_5cxq-R7ZH7uip3zA0bhpCJxxk/s1600/chart.png" /></a></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY"><br />
</span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;">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 <span class="Apple-style-span" style="font-size: large;">poor</span> before knowing why!</div><div class="MsoNormal" style="line-height: normal; margin-bottom: 0.0001pt;"><span lang="EN-MY"> </span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><br />
</div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY">$1 million dollar is not enough for years to come, so what should we do?? <o:p></o:p></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY">This is the chart we should be having:<span class="Apple-style-span" style="font-size: xx-small;"><o:p></o:p></span></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpVJ4bzlflRNBgtmeDZ9ZVe4CpqRAtchgSsUM9Fnw1CIQMwHHLzS-QqNhgwxhCrxuHq9ZnFDggLHOuB4cOu3h8Qse_VNbAK24gXiivoDZFfndQ87OuC-h9mOv4lX_cknMILSZvAajbbkU/s1600/chart2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpVJ4bzlflRNBgtmeDZ9ZVe4CpqRAtchgSsUM9Fnw1CIQMwHHLzS-QqNhgwxhCrxuHq9ZnFDggLHOuB4cOu3h8Qse_VNbAK24gXiivoDZFfndQ87OuC-h9mOv4lX_cknMILSZvAajbbkU/s1600/chart2.png" /></a></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY"></span></div><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in;"><span lang="EN-MY">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<span class="Apple-style-span" style="font-size: large;"> real</span> money!<span class="Apple-style-span" style="font-size: xx-small;"><o:p></o:p></span></span></div><br />
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</span>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-21320915970471867372011-04-04T00:29:00.000+08:002011-04-04T00:29:44.240+08:00Tips for stocks that make you rich!Here's what I have encountered in real-life.<br />
<blockquote>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, </blockquote><blockquote style="text-align: center;"><span class="Apple-style-span" style="font-size: large;">"Free 1-hour seminar to learn how to pick a profiting stock"</span>. </blockquote><blockquote>Without hesitation he grabbed his cellphone and registered for a seat. </blockquote><blockquote>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, <i>"Tell me which stock should I buy to earn money?". </i> </blockquote><blockquote>Speaker replied,<i> "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."</i></blockquote><br />
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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.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEho1OaHiJkJfN9bczAdJKDViSMgg31yfC3sSWzNoxwCrzfIk1hk9hzO9zxTNeLPIqSw0-4_bUSQuwuZLbGLWf_ov-hqgaTqjVaC4mJXTWYhuXmdVXU4EuUCY2WKuZOxYcQrBE1bRZyd1kg/s1600/cam_stock_tips5.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="220" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEho1OaHiJkJfN9bczAdJKDViSMgg31yfC3sSWzNoxwCrzfIk1hk9hzO9zxTNeLPIqSw0-4_bUSQuwuZLbGLWf_ov-hqgaTqjVaC4mJXTWYhuXmdVXU4EuUCY2WKuZOxYcQrBE1bRZyd1kg/s320/cam_stock_tips5.jpg" width="320" /></a></div><br />
<br />
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??<br />
How long can Lady Luck continue on?<br />
<br />
Wealthy people are always willing to <span class="Apple-style-span" style="font-size: large;">learn</span>. They are enthusiastic about the tools and ways to earn money. They don't take shortcuts. Even a robber will <span class="Apple-style-span" style="font-size: large;">plan</span> before robbing a bank!<br />
<br />
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 <span class="Apple-style-span" style="font-size: large;">won't </span>last too long. Even long, it won't make them wealthy enough for the years to come.<br />
<div><br />
</div><div>My post title attracted some readers, most people will! Because fast money is always been <span class="Apple-style-span" style="font-size: large;">perceived</span> 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.</div>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-12428392364748114462011-03-31T21:27:00.008+08:002011-03-31T21:50:56.621+08:00How to pick the next profit stock - fundamentallyI 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...!<br />
<br />
We have seen many books about getting rich in stocks. Some of us love<span class="Apple-style-span" style="font-size: large;"> fundamentals</span> and others prefer <span class="Apple-style-span" style="font-size: large;">technical analysis</span>. While both ways can help earn money, I choose to be fundamental on stock!<br />
<br />
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.<br />
<br />
Saying how to pick a profit stock, I will go by some of these points:<br />
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</b><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQCdmeDSeJ3jO_bN4HTcQxIBijgv3kI-ZMOt8QAsYQeQV6wBv8IVmAL21NTd9DkadzKSKTyLjHgXYVCAiNG8hu8z1gyWagEnmf_kuh9wD0IT_a842f2-8pci0KTUI3qY9FHT3WMff1Gh4/s1600/economy.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQCdmeDSeJ3jO_bN4HTcQxIBijgv3kI-ZMOt8QAsYQeQV6wBv8IVmAL21NTd9DkadzKSKTyLjHgXYVCAiNG8hu8z1gyWagEnmf_kuh9wD0IT_a842f2-8pci0KTUI3qY9FHT3WMff1Gh4/s320/economy.gif" width="320" /></a></div><b><span class="Apple-style-span" style="font-size: large;">First, knowing what happened around the world...</span></b>Company especially cyclical ones are<span class="Apple-style-span" style="font-size: large;"> sensitive</span> to economy and world environment. So this is the first and <span class="Apple-style-span" style="font-size: large;">most important</span> 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..<br />
<b><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKMqWzMEzu7TlSbV8c82JwW4I3GfPFJEkEF13UuLWee9SLnzQwigX7gLrT6IpT0xUV2ZjVBkar3QFSSFqsJCFaV-wNcXyi0kpo1eFyj-VRpxIKs3da98EyEvsrmeyTLIEmJpgJyAqSOrw/s1600/economy-cube.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgKMqWzMEzu7TlSbV8c82JwW4I3GfPFJEkEF13UuLWee9SLnzQwigX7gLrT6IpT0xUV2ZjVBkar3QFSSFqsJCFaV-wNcXyi0kpo1eFyj-VRpxIKs3da98EyEvsrmeyTLIEmJpgJyAqSOrw/s320/economy-cube.jpg" width="313" /></a></div><b><span class="Apple-style-span" style="font-size: large;">Second, company profile.</span></b> 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 <span class="Apple-style-span" style="font-size: large;">know</span> this company well? Is the company as simple as saying '<span class="Apple-style-span" style="font-size: large;">Coca cola</span> sells carbonated drinks'? or '<span class="Apple-style-span" style="font-size: large;">Starbucks</span> sells coffee'? For some cases, if you can't figure out what a company is doing then <span class="Apple-style-span" style="font-size: large;">avoid</span> owning the share.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAqMuMMmYGuQmuMO8MmGB8yNJG1jq_1_LPyE1v3FonwAjg__mDqKFJn1z8jeVR4zF87Vbnk4jWs5lwUruJEdILMe4Vfi9eRueAlPIgnpbn_Q3q6o1Q2XE8Tk0MOhDD2CZHdLap00B6-EY/s1600/earnings.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="211" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjAqMuMMmYGuQmuMO8MmGB8yNJG1jq_1_LPyE1v3FonwAjg__mDqKFJn1z8jeVR4zF87Vbnk4jWs5lwUruJEdILMe4Vfi9eRueAlPIgnpbn_Q3q6o1Q2XE8Tk0MOhDD2CZHdLap00B6-EY/s320/earnings.jpg" width="320" /></a></div><b><span class="Apple-style-span" style="font-size: large;">Third, is company earnings</span>.</b> Now you need spend some effort reading some of their <span class="Apple-style-span" style="font-size: large;">earnings</span> figure, <span class="Apple-style-span" style="font-size: large;">profit</span> 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??<br />
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<b><span class="Apple-style-span" style="font-size: large;">Fourth, the management.</span></b> Investors will only invest their money in a company that are <span class="Apple-style-span" style="font-size: large;">trusted</span>...If company was facing<span class="Apple-style-span" style="font-size: large;"> trouble</span> or sudden<span class="Apple-style-span" style="font-size: large;"> change</span> 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 <span class="Apple-style-span" style="font-size: large;">Warren Buffett</span>). 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.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5D8OGeQXdgrhsu5ParJ_94kmMT0FJMpLif1FxkNDzmlF-hCIZrGc4aGv1sOJvGMk77x7C-JolFjZpop8Y_KoIcfxSNM-x0MMpgQuvLQErLmlK7I4eejqIHIbcuvi9L6nA5S1LEGtbDiY/s1600/01money3.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5D8OGeQXdgrhsu5ParJ_94kmMT0FJMpLif1FxkNDzmlF-hCIZrGc4aGv1sOJvGMk77x7C-JolFjZpop8Y_KoIcfxSNM-x0MMpgQuvLQErLmlK7I4eejqIHIbcuvi9L6nA5S1LEGtbDiY/s320/01money3.jpg" width="250" /></a></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; font-size: x-small;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace;">Legendary investor, Warren Buffett</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; font-size: x-small;"><br />
</span></div><div style="text-align: center;"><span class="Apple-style-span" style="font-family: 'Courier New', Courier, monospace; font-size: x-small;">**************************************************</span></div><br />
Go through this steps...you will find a company that's worth investing. I am <span class="Apple-style-span" style="font-size: large;">sure</span> of it!<br />
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.<i>.......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. </i>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-49302639946931976372011-03-23T12:26:00.002+08:002011-03-23T18:55:55.946+08:00Are you thinking of getting profit over market uncertainty?<span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">The market doesn’t like uncertainty. Yes, I am talking about the stock market, very uncertain since last month.</span><br />
<span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><br />
</span><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW6WoxGt8GWipyPIUvqQLy66urARlIQIRx2sJqfNAp_XIQ51v-uH1_SpN-PvOjohEV6GC5pRVTW4FBl_FssGwII9hsiD3Kzvq584esRtr7igZ-DPF7a7lHBSd3sul6cMXpeRTRX7rLSfc/s1600/chain-links.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><img border="0" height="189" r6="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiW6WoxGt8GWipyPIUvqQLy66urARlIQIRx2sJqfNAp_XIQ51v-uH1_SpN-PvOjohEV6GC5pRVTW4FBl_FssGwII9hsiD3Kzvq584esRtr7igZ-DPF7a7lHBSd3sul6cMXpeRTRX7rLSfc/s320/chain-links.jpg" width="320" /></span></a></div><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><br />
</span><br />
<div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Dramatic events came like a chain of problems. Starting from Egypt’s protest to Libya’s battle to Japan’s tsunami. Things <span class="Apple-style-span" style="font-size: large;">don’t</span> slow down don’t they? </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">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 </span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: large;">panic</span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"> thinking that market is over, everything is going down!</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Let me tell you, its <span class="Apple-style-span" style="font-size: large;">wrong! </span>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<span class="Apple-style-span" style="font-size: large;"> optimistic!</span></span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">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.</span></div><div class="separator" style="clear: both; text-align: center;"></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgS2HCJXvCySArD2XH552bHVXPZy4JbD0jroGHZOWOSn6tYJgA0dsH3QnPS0X1FOGY6eEnejM7cvcxIFsRiy70H6BrmPnc2Whmsm5KfYgblARttZR8-XZPKkqO6k_X0HuWcWuHPqBNc4M/s1600/untitled.bmp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><img border="0" height="223" r6="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhgS2HCJXvCySArD2XH552bHVXPZy4JbD0jroGHZOWOSn6tYJgA0dsH3QnPS0X1FOGY6eEnejM7cvcxIFsRiy70H6BrmPnc2Whmsm5KfYgblARttZR8-XZPKkqO6k_X0HuWcWuHPqBNc4M/s400/untitled.bmp" width="400" /></span></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><br />
</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Japan suffered great losses over the unfortunate disaster. However they are not gone! They are the 3<sup>rd</sup> 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.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">And you come in play here. You may begin to target on cyclic</span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;">al i</span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">ndustry such as </span><span class="Apple-style-span" style="font-size: large;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">energy</span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">, </span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">timber</span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">, </span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">metals/minin</span></span><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><span class="Apple-style-span" style="font-size: large;">g,</span> and <span class="Apple-style-span" style="font-size: large;">construction</span> 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. </span><br />
<span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><br />
</span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMXcrIjM3f3casljURu_4-y0RmZ0QQI7lgIAJ-Y8Q4HIkG5XcI-WKlUjLk5UrmIJqzEoTyGf0LjG3ro7VjLFmF-cHkX3XPkAaa7OIK90-BumDvE_s0bB6TPmKlggEZKvvtRMkXspeyX34/s1600/data.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><img border="0" height="239" r6="true" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjMXcrIjM3f3casljURu_4-y0RmZ0QQI7lgIAJ-Y8Q4HIkG5XcI-WKlUjLk5UrmIJqzEoTyGf0LjG3ro7VjLFmF-cHkX3XPkAaa7OIK90-BumDvE_s0bB6TPmKlggEZKvvtRMkXspeyX34/s320/data.jpg" width="320" /></span></a></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif; font-size: x-small;"><br />
</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">Big companies like <span class="Apple-style-span" style="font-size: large;">General Electric</span> and <span class="Apple-style-span" style="font-size: large;">Caterpillar </span>have confirmed to participate in rebuilding Japan. You may start doing your homework now to see which other companies that may benefit from here.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt; text-align: center;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;">*********************</span></div><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"><span style="font-size: 11pt; line-height: 115%;">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 </span><span style="font-size: large; line-height: 115%;">wait </span><span style="font-size: 11pt; line-height: 115%;">and standby. Perhaps you can do so~ let the fund manager and analyst do their job.</span> </span><br />
<div style="text-align: center;"><span class="Apple-style-span" style="font-family: Georgia, 'Times New Roman', serif;"></span></div>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-19837472326232016832011-02-28T16:22:00.001+08:002011-03-02T13:39:50.708+08:00Stock market has been BULLISH, what's next?<div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">Stock market has been <span style="font-size: large;">bullish</span> last year, after the major fall during 2008. Somehow we have almost seen the last of the bull market right now. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">New year is supposed to see a new fresh start. And now the economy is giving us something really fresh. And fresh <span style="font-size: large;">doesn’t</span> mean <span style="font-size: large;">good news</span>. The world is giving us <span style="font-size: large;">bad news</span> 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. </span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">Let’s recap on what had happened in the recent months’ that’s leading to the end of Bull. </span></div><ul><li><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red; font-family: Georgia, "Times New Roman", serif;"><em>Steve Jobs health condition worries Apple investors, despite having great confidence of 2<sup>nd</sup> hand man, Tim Cook. </em></span></div></li>
<li><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red; font-family: Georgia, "Times New Roman", serif;"><em>Google CEO stepped down and replaced by Larry Page. </em></span></div></li>
<li><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red; font-family: Georgia, "Times New Roman", serif;"><em>China inflation raises doubt of Asia investors and foreign investors related.</em></span></div></li>
<li><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="color: red; font-family: Georgia, "Times New Roman", serif;"><em>Middle-east riot and rebel on. Egypt, and Libya especially, with their control over oil is changing the direction of investors on different industry. </em></span></div></li>
</ul><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">Now looking into all these, we all know that market will not gonna <span style="font-size: large;">fly</span> any moment soon.<span style="mso-spacerun: yes;"> </span>And since we know that the market is selling off low. We can start to stash some cash and wait for the <span style="font-size: large;">right</span> moment to buy in again.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">Whenever market rose, it will <span style="font-size: large;">fall</span>. And whenever it fell, it will <span style="font-size: large;">rise</span> up again~ so if you have money, save it. Wait and see, then pump your money in when the time is right.</span></div><div class="MsoNormal" style="margin: 0cm 0cm 10pt;"><span style="font-family: Georgia, "Times New Roman", serif;">So that’s how we look for a<span style="font-size: large;"> bull market</span>. I made this an interesting way to see where my money will go in future. No wonder economy is one of my<span style="font-size: large;"> favourite</span> subject! </span></div><span style="font-family: Georgia, "Times New Roman", serif;"></span>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-34161645606802627382011-01-26T00:45:00.000+08:002011-01-26T00:45:15.472+08:00Apple has chosen Verizon, its on the rise be prepared<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0B-oIU-3HLDaPdHbcOUFmMSjGMgamNWLSKjfLfp3G-HX2t6gtO5IKMQ9qFmyS-qgjdV7F6vqfyvc7z69GtNN-Hauoq_n_5sMDgmMAESXRJWxw4IJLG2ojoj7xY1rmF9tA4udJ7IxTNDk/s1600/verizon-apple-logos.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg0B-oIU-3HLDaPdHbcOUFmMSjGMgamNWLSKjfLfp3G-HX2t6gtO5IKMQ9qFmyS-qgjdV7F6vqfyvc7z69GtNN-Hauoq_n_5sMDgmMAESXRJWxw4IJLG2ojoj7xY1rmF9tA4udJ7IxTNDk/s400/verizon-apple-logos.jpg" width="365" /></a></div><br />
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We have known this last month, all the planning had come true for americans! Finally Apple is offering its phone on <span style="font-size: large;">Verizon</span>. This is not something unfamiliar for fellow americans. Its announced that <span style="color: #7f6000; font-size: x-large;">early February</span> Verizon will officially offer its iPhone sales.<br />
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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!<br />
<br />
<blockquote><i style="color: #b45f06;">*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!* </i></blockquote><br />
That's why my words here are to<span style="font-size: x-large;"> <span style="font-size: large;"><i>be prepared</i></span></span> for the <span style="font-size: large;">share price</span> to <span style="font-size: large;">soar!</span> 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.<br />
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And just today (26th Jan) Verizon revealed that they are offering <span style="font-size: large;">$30 unlimited data plan</span> 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!Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-79758033560193572532011-01-22T12:25:00.001+08:002011-01-22T23:49:07.920+08:00Apple 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 <span style="font-size: large;">bullshits</span> and skeptical <span style="font-size: large;">hypocrites</span>...~<br />
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Before we even decide to say that, think about what kind of investors these people were?? They are financially <span style="font-size: large;">uneducated</span>, <span style="font-size: large;">greedy</span> and <span style="font-size: large;">emotional</span> investors....<br />
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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.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-EM0QhZxHzMvom5xs9ADWyuph3GnmcVGq8Oez9lbzOlxOGVbRGEcoJKfFmiTyDGCwF7e3SVXL352coKCQ_5ElxN_SCUo1ZNPkm-mUI-_E3Aoxy4cKLSbaGbRcNjgvUDqyzhWkBg6WNhw/s1600/apple-iphone-logo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-EM0QhZxHzMvom5xs9ADWyuph3GnmcVGq8Oez9lbzOlxOGVbRGEcoJKfFmiTyDGCwF7e3SVXL352coKCQ_5ElxN_SCUo1ZNPkm-mUI-_E3Aoxy4cKLSbaGbRcNjgvUDqyzhWkBg6WNhw/s320/apple-iphone-logo.jpg" width="320" /></a></div><br />
As Apple released their own smartphone, the<span style="font-size: large;"> iPhone</span>, 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.<br />
When they introduced<span style="font-size: large;"> iPad</span>, it <span style="font-size: large;">revolutionize</span> the tech era....and now everyone is talking about tablet PC, competitors like Samsung and Motorola come into picture.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiudQlegXei7u-0ehWRIqLZwftJbaecXxMLVLtX4uU_7Ce952RcHcnN2aL44uV-EuTncCEUyxtmawiiNEC1oomjYWko9EbdTtsbnNwJz3vu6ElaVTf3NtT90zTmefPAdb5PoG1oEIxW2LE/s1600/Surfboards-lean-against-a-wall-at-the-Google-office-in-Santa-Monica.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="282" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiudQlegXei7u-0ehWRIqLZwftJbaecXxMLVLtX4uU_7Ce952RcHcnN2aL44uV-EuTncCEUyxtmawiiNEC1oomjYWko9EbdTtsbnNwJz3vu6ElaVTf3NtT90zTmefPAdb5PoG1oEIxW2LE/s400/Surfboards-lean-against-a-wall-at-the-Google-office-in-Santa-Monica.jpg" width="400" /></a></div><br />
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 <span style="font-size: large;">DARN CHEAP! </span><br />
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<div style="text-align: center;">************************** </div><br />
Nonetheless, lets see what happened this week...<br />
<br />
CEO of Apple, <span style="font-size: large;">Steve Jobs</span> reported to the company on 16th Jan that he will be on<span style="font-size: large;"> sick leave</span>, however he will still be involving in major decisions. His role will be replaced by COO <span style="font-size: large;">Tim Cook</span> for now. And what happened to the share price? It finally took first hard hit after few months. The share <span style="font-size: large;">dropped</span> from $348 to $326...investors who had invested on Tuesday was disappointed with such fall. <br />
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Just so happen that this week, on Thursday, Google announced the change of CEO.The former CEO <span style="font-size: large;">Eric Schmidt</span> stepped down and remained as an executive chairman, and<span style="font-size: large;"> Larry Page</span> is taking over the business as the new CEO.<br />
Share price dropped tremendously even before the announcement. But <span style="font-size: large;">hardest hit </span>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.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBz4s5FF5YDOHmvRrxAweQB4SgAsvr_seFnA8B9lzUoDbpwelsAKg5TrTRyWVz5YLM5iwJlL-xsUjuTnW-Gea8ca0hZECxu0aGNb3zCuYoVE2Isx5-MAUegxtax4W5QKelzYrjQrywWKg/s1600/investor.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgBz4s5FF5YDOHmvRrxAweQB4SgAsvr_seFnA8B9lzUoDbpwelsAKg5TrTRyWVz5YLM5iwJlL-xsUjuTnW-Gea8ca0hZECxu0aGNb3zCuYoVE2Isx5-MAUegxtax4W5QKelzYrjQrywWKg/s400/investor.jpg" width="400" /></a></div><br />
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!<br />
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But if you are a smart investor, what should you do? If I have a lot of money, I will put in <span style="font-size: large;">more!</span> Google and Apple are giving huge <span style="font-size: large;">discount</span> 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.<br />
<br />
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?<br />
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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! <br />
<br />
<br />
<i>*Note</i><br />
<i>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.</i>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-44633625931153273112011-01-13T23:30:00.002+08:002011-01-15T11:11:28.367+08:00You 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 <span style="font-size: large;">same pay</span>, but always want to get <span style="font-size: large;">even more</span> money from what you already have?<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1g7i3wEztWIrgCSNp6Cyqs4M1q-qZp23MccPvzYlr_KcJCllYEpDznpyBHjPhx3ZpQdubkm1Us30R1YORVA-Z4gZZnpPEI-rjLqzM3JcCCH-EMsLRtnZV6ZRKl3Xrt9m22hj8lh1OCmw/s1600/hold-cash.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj1g7i3wEztWIrgCSNp6Cyqs4M1q-qZp23MccPvzYlr_KcJCllYEpDznpyBHjPhx3ZpQdubkm1Us30R1YORVA-Z4gZZnpPEI-rjLqzM3JcCCH-EMsLRtnZV6ZRKl3Xrt9m22hj8lh1OCmw/s1600/hold-cash.jpg" /></a></div><br />
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That is the problem most people are facing. They have money obviously, but doesn't know where to <br />
stuff their money to. So they rest it at the hand of the banks.<br />
Banks gives you interest, and you thought its compounding from time to time you still earn. And hey, you missed out the <span style="font-size: large;">inflation!!</span><br />
<br />
Now if you put your money in the bank, it doesnt grow with bank's interest, inflation eat up interest clean!<br />
Imagine a cup of coffee today based on the current price may cost you <span style="font-size: large;">$2</span>, in 10 years it cost $3.5, another <span style="font-size: large;">20 years</span> perhaps <span style="font-size: large;">$5 a cup!</span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9yr6Ad-nxOCVZsQuZwkU-PYgHjcsVwkt_ikxgC8O_57FHjg7PrsuHztvF-wIaMmq3E986lPBvGUqkb5wQ9IhfgNJN4v5vF2pz6qXw-8NVhhuUnT-uiydVKaz1sggp4fMhvyfvAYXafbM/s1600/pcup.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9yr6Ad-nxOCVZsQuZwkU-PYgHjcsVwkt_ikxgC8O_57FHjg7PrsuHztvF-wIaMmq3E986lPBvGUqkb5wQ9IhfgNJN4v5vF2pz6qXw-8NVhhuUnT-uiydVKaz1sggp4fMhvyfvAYXafbM/s1600/pcup.jpg" /></a></div>So we all know savings account is <span style="font-size: large;">not a solution</span> of earning money. So if you do have money in your account and you wanna do something about it, <span style="font-size: large;">good! </span><br />
At least you are better than people who spend their money clean and desperate to wait for next month's paycheck.<br />
<br />
To earn money you may go into some very simple alternatives:<br />
<ol><li><b>Sales</b>. 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).</li>
<li><b>Multi-level marketing.</b> 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.</li>
<li><b>Property investment.</b> 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</li>
<li><b>Own a business. </b>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. </li>
</ol><div style="text-align: center;">************************</div><br />
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??<br />
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If you <span style="font-size: large;">dont?</span> It doesn't matter, there is <span style="font-size: large;">another solution</span> to earn your money wisely.<span style="font-size: large;"> Investing</span>. My best way to earn money just like that.<br />
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You <span style="font-size: large;">hate</span> sales? You are<span style="font-size: large;"> lazy</span> to think of a <span style="font-size: large;">business plan</span> to start new business? You <span style="font-size: large;">don't have</span> enough money to buy a real estate property? Then you invest....!<br />
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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 <span style="font-size: large;">mutual funds</span>, 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.<br />
<br />
Or perhaps going into <span style="font-size: large;">shares</span>, 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.<br />
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You can go for another alternative investment, <span style="font-size: large;">bond.</span> 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.<br />
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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 <span style="font-size: large;">more than</span> 4% yield, which is a good shot for bond investors.<br />
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<div style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRtENRbuIhofsu6AjSUYbM8gwCeJ1RMl33-Pn0z6toz06wKCBvqEXbMw6hYUAjeYNMw420hGxkzG0G2Twt5m7RGCaWvifi0fxMeDir0JKifWMn6MlUjuxidQUJqgh5d5mVy127S1kZg0A/s1600/bailout.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="311" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiRtENRbuIhofsu6AjSUYbM8gwCeJ1RMl33-Pn0z6toz06wKCBvqEXbMw6hYUAjeYNMw420hGxkzG0G2Twt5m7RGCaWvifi0fxMeDir0JKifWMn6MlUjuxidQUJqgh5d5mVy127S1kZg0A/s400/bailout.gif" width="400" /></a></div><br />
If you have money, consider investing as a tool to earn more money than you currently have. At least you<span style="font-size: large;"> plan smart</span> in managing money well.Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-59917263375184727402011-01-05T21:45:00.001+08:002011-01-05T21:47:46.944+08:00Guys, 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<br />
<blockquote><h1 class="story-header" style="color: #b45f06; font-family: Georgia,"Times New Roman",serif; font-weight: normal; text-align: center;"><span style="font-size: x-large;">"Are increasing numbers of women marrying men for their money?"</span></h1></blockquote><div style="text-align: center;"><blockquote><span style="font-size: small;"><b><span style="font-family: Arial,Helvetica,sans-serif;">Source: </span><a href="http://www.bbc.co.uk/news/uk-12112283" style="font-family: Arial,Helvetica,sans-serif;">http://www.bbc.co.uk/news/uk-12112283</a></b></span> </blockquote></div><br />
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<span style="font-size: large;"> rich!</span><br />
So <span style="font-size: large;">face it!!</span> I say, this is what's happening <span style="font-size: large;">today</span>.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFL2JElyfF8tktyiqMlW-Ahw7etMYBTIIapoAIc1PaH63X4qIppE_T3CfyqW17e1mDg_4XIC2GOECRAhEszAvET7ZzMGeb3BNT1K0Uby2kD_aDCLIN8pp1xfwBb9L9ccVpWS1JVL_Suog/s1600/money-power-woman.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="275" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgFL2JElyfF8tktyiqMlW-Ahw7etMYBTIIapoAIc1PaH63X4qIppE_T3CfyqW17e1mDg_4XIC2GOECRAhEszAvET7ZzMGeb3BNT1K0Uby2kD_aDCLIN8pp1xfwBb9L9ccVpWS1JVL_Suog/s400/money-power-woman.gif" width="400" /></a></div><br />
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. <span style="font-size: large;">Quality</span> in a sense that they have the same education background like their spouse/partner. Or same <span style="font-size: large;">earning power</span>, some earn even more.<br />
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Women have demands and if they can be successful, they want their spouse/partner to <span style="font-size: large;">earn higher</span> or to be <span style="font-size: large;">more educated.</span> 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 <span style="font-size: large;">man's power</span> or <span style="font-size: large;">wealth.</span><br />
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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.<br />
Agree? No?? Then <span style="font-size: large;">prove me wrong!</span><br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFWCYjwu8A-q2Y198hVu3GP0FcBfenKdOfSQ9Ze4z_t2q1Uxr76AbCD6Vd3L38zJDbssUbOz_I6cwpUmczW56CTo_Ob9GL5B8YrldBC8Kw-4NGzOvntgpCnQXU_dnVPtJPhi176t8ooE4/s1600/break+up.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="263" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhFWCYjwu8A-q2Y198hVu3GP0FcBfenKdOfSQ9Ze4z_t2q1Uxr76AbCD6Vd3L38zJDbssUbOz_I6cwpUmczW56CTo_Ob9GL5B8YrldBC8Kw-4NGzOvntgpCnQXU_dnVPtJPhi176t8ooE4/s400/break+up.jpg" width="400" /></a></div><br />
Whatever we have seen in articles or chick flick, interpreting true love regardless of any possessions...<br />
It isn't the real world, gentleman....<br />
I understand this fact, that is why I <span style="font-size: large;">never stop</span> earning more money. Guys, you can't wait no longer, money never sleeps...Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-8633063296418922602011-01-05T00:58:00.000+08:002011-01-05T00:58:40.142+08:00Why do you need to invest in 2011 - a new year resolutionIts 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~<br />
<br />
So what is <span style="font-size: large;">MY</span> resolution for 2011? It may look slightly different from whatever I've mentioned. I am aiming to <span style="font-size: large;">SAVE</span> more money and <span style="font-size: large;">SPEND</span> on <span style="font-size: large;">investment</span>. 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.<br />
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.<br />
<br />
So what is <span style="font-size: large;">YOUR</span> resolution for 2011? <span style="font-size: large;">If</span> 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...!<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWp1HrzzB33usuLKsfSPSINrHuPBN_9tfzGtb8-9pe9AIycGYk7MkvVbHrcQO-yZ9_4dAnTDO6gc5X9uTf1OzbIInvjZQf6jthnCrHyr95il5oqUiqpfk2vOW9Z50QE3gfi8Ihu1VZPFA/s1600/bullish-china-market-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="210" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjWp1HrzzB33usuLKsfSPSINrHuPBN_9tfzGtb8-9pe9AIycGYk7MkvVbHrcQO-yZ9_4dAnTDO6gc5X9uTf1OzbIInvjZQf6jthnCrHyr95il5oqUiqpfk2vOW9Z50QE3gfi8Ihu1VZPFA/s400/bullish-china-market-1.jpg" width="400" /></a></div><br />
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:<br />
<br />
<ul><li>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</li>
<li>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.</li>
<li>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.</li>
<li>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.</li>
<li>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. </li>
</ul><br />
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. <br />
Market are very bullish now, unless if unpredicted future bad news occurs.<br />
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.<br />
<br />
However, investing requires plenty of info and knowledge, whether it is fundamental or technical aspects, its not a hit-and-run money maker.<br />
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Anywat I am not an expert, I just want to share. Happy investing =)Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-21096481189012586792010-12-31T22:19:00.000+08:002010-12-31T22:19:06.013+08:00Happy new year 2011, wishes for new fortunes ahead!<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmJ4ETrP3tcPkWOWwqPlwGUnd8ZMdYbU6yAWa8aCA3EtAxhY3Qr2MbbFbUtwtKteTApvqbN-iufDl21vxSq_HEDXffiLHUFZESMLI8T4ZXeWjCvOkHi-Vmh9rDzUvVkIWM8LwFFeKghlw/s1600/money.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="255" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmJ4ETrP3tcPkWOWwqPlwGUnd8ZMdYbU6yAWa8aCA3EtAxhY3Qr2MbbFbUtwtKteTApvqbN-iufDl21vxSq_HEDXffiLHUFZESMLI8T4ZXeWjCvOkHi-Vmh9rDzUvVkIWM8LwFFeKghlw/s320/money.jpg" width="320" /></a></div>Now I wanna wish everyone happy new year 2011! Gone with the past and here comes another round of a year...~<br />
We'll expect to achieve something in the year to come, so its time to save money up till today, and start preparing to find alternatives to earn more next year.<br />
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Whether you're to invest or setting up a good business idea, its good to still have an objective set for a new year to come. I have compiled some short objectives to achieve next year, which bullish investments will I move into and so on...~ Good luck and happy new year!!Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-30806871637514541642010-12-07T00:50:00.005+08:002010-12-07T01:00:50.414+08:00My 10 ways to save money by shoppingHow to save on shopping?<br />
If you really enjoy shopping by spending then don't even bother to read, because this post seems to be a complete opposite.<br />
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When we talk about saving money, we are referring to our own habit and discipline to control spending. <br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdYkJzKdnHVWA2vIEbg2V16BJ6eJFFMxHR_ikVXQoloh-oVAqm69Dr4VVlh0ree52sFrbDSS7EQPPNdnRBVGGwLqyCPsA4_zFUN6zkXdF5gbSteCqWmUpTGC4MChoLOVmqa-a7oCFAo-c/s1600/present.bmp" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="287" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhdYkJzKdnHVWA2vIEbg2V16BJ6eJFFMxHR_ikVXQoloh-oVAqm69Dr4VVlh0ree52sFrbDSS7EQPPNdnRBVGGwLqyCPsA4_zFUN6zkXdF5gbSteCqWmUpTGC4MChoLOVmqa-a7oCFAo-c/s400/present.bmp" width="400" /></a></div><br />
Christmas is around the corner, we need to shop for presents, so how do we save on shopping?<br />
My tips here are not trying to make you look fussy or stingy, but if you want to save money, here's how you do it: <br />
<ol><li><b class="whb" style="color: #4c1130;"><span style="color: #741b47;">Collect coupons or vouchers.</span> </b><span class="whb" style="color: #4c1130;">No harm keeping all these, you may not know when you need it. Try utilizing these vouchers to buy your necessity and xmas presents at cheaper price.</span><b class="whb" style="color: #4c1130;"> </b></li>
<li><b class="whb"> <span style="color: #741b47;">Write down your shopping list. </span></b><span class="whb">Make this a habit, I am serious. If you don't want to get over-budget on your shopping expenses, make sure you <span style="font-size: large;">know</span> what you want to buy. And <span style="font-size: large;">only</span> <span style="font-size: large;">buy</span> what you want to buy, that's it!</span></li>
<li><span class="whb"><b style="color: #741b47;">Shop around different stores. </b>Yes, this is what ladies love to do, shop around different stores and look for a best buy. This is a great idea, you shop around to survey for a shop that offers a better price. You have to be hardworking nonetheless, especially when you want to get the best deal.</span></li>
<li><span class="whb"><b> <span style="color: #741b47;">Buy in bulk.</span></b> You will notice that some stores offer a <i>'Buy 2 at a 50% discount'</i>. Try utilize this at your advantage, not necessary to buy 2 for yourself. Instead, you share your purchases with a friend or family member from there you two save together.</span></li>
<li><span class="whb"><b style="color: #741b47;"> Shop at Discount Stores. </b>If you realized that a stand-alone shop that sells something that were marked up higher than the normal price, then don't step in. Only buy at discount stores like Wal-Mart, or hypermarket like Carrefour,etc. These giant hypermarkets have large economies of scale, therefore charging lesser in price.</span></li>
<li><span class="whb"><b style="color: #741b47;">Get a rebate card/credit card. </b>If you are shopping for grocery or presents, you may want to take advantage of loyalty card that can offer rebates. Here you can save yourself a lot of money</span></li>
<ul><li><span class="whb">I've mentioned some examples of credit card that might be useful here:- <a href="http://wealthstreetjournal.blogspot.com/2010/12/how-to-use-your-credit-card.html">http://wealthstreetjournal.blogspot.com/2010/12/how-to-use-your-credit-card.html </a></span></li>
</ul><li><span class="whb"><b><span style="color: #741b47;">Learn how to bargain.</span> </b>If you happen to shop at a bargain store. Make sure you have your negotiation skills on hand. Desperately negotiating price with shopkeeper may sound embarrassing, but who knows how much you can save from it. </span></li>
<li><span class="whb"><b style="color: #741b47;">Buy it </b><span style="color: #741b47; font-size: large;">last minute</span><b style="color: #741b47;">. </b>Who says you need to plan ahead? Have you ever notice that some stores offer last minute sales to clear their stock right at the last day? That's where you rush in and shop for the items you longed to purchase. They will offer 50% or 70% discount off the price.</span></li>
<li><span class="whb"><b><span style="color: #741b47;">Online auction.</span> </b>Shopping is not necessarily tangible, look for online auction to shop for Xmas present at cheaper price. Best option I can suggest, go to <a href="http://www.ebay.com/">http://www.ebay.com/</a> or <a href="http://www.amazon.com/">http://www.Amazon.com</a> and hunt for items that are offered during auction. You may get it lower than its normal price.</span><span class="whb"> </span></li>
<li><span class="whb"><b><span style="color: #741b47;">Save </span></b><span style="color: #741b47;"><span style="font-size: large;">even more</span></span><b><span style="color: #741b47;"> through online.</span> </b>Last but not least, learn your way through sites that can offer benefits to help you save money. Below are two of the sites that you can refer to:-</span></li>
<ol><li><span class="whb"><b><a href="http://www.retailmenot.com/">http://www.retailmenot.com/</a></b></span></li>
<ul style="color: #7f6000;"><li><span class="whb"> You can search any items or sites that you want to buy in the search box. The site will show you <span style="font-size: large;">ALL</span> the list of <span style="font-size: large;">coupons</span> available for the proposed items. So here's where you can find coupons that provide desired promo or rebates.</span></li>
</ul><li><span class="whb"><b><a href="http://www.ebates.com/">http://www.ebates.com/ </a></b></span></li>
<ul><li><span class="whb"><span style="color: #7f6000;"> It works the same way like above-mentioned site. However, instead of having to fill in your rebate form every time you get the coupon. This site will store the info in their database, save your hassle. Another bonus is that they offer referral program by tipping you with $5 when you refer a friend to join. </span></span></li>
</ul></ol></ol><span class="whb"><span style="color: #7f6000;"> <span style="color: black;"> </span></span></span><br />
<span class="whb"><span style="color: #7f6000;"><span style="color: black;">So there you go, 10 possible ways to help you with your finances during shopping period. It makes you happier to be able to save a few bucks, don't always assume that shopping can only be fun if you spend more. Enjoy your xmas shopping ahead =)</span></span><b><br />
</b></span>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-2159990775646663262010-12-05T02:03:00.001+08:002010-12-05T02:05:11.127+08:00Who Moved My Cheese? Escape the rat race!Sometimes to be rich, you have to be different...~<br />
Here is how I put it, I've read this simple book by Spencer Johnson, <b><i>Who Moved My Cheese?</i></b>. International bestseller with over 24 million copies sold worldwide.<br />
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<b><iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=lilbox-20&o=1&p=8&l=bpl&asins=0399144463&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe></b><i><span class="Apple-style-span" style="color: #351c75;">In short, the story talks about a group of mice (Sniff and Scurry) and a group miniature human (Hem and Haw). Both groups lived in a maze to look for cheese, which represents happiness and success.</span></i><br />
<blockquote style="color: #134f5c;"><i>Apparently after some time they ran out of cheese, Sniff and Scurry were prepared to look for new cheese in different stations (areas). However Hem and Haw were too afraid to go out and explore new stations in search for new cheese.</i><br />
<i>Throughout such desperation, Haw proposed to look for new cheese but Hem rejected. Hem feared of the unknown and danger outside of the comfort zone. Therefore Hem decided to go out and explore new stations for cheese alone. And so, Haw left without Hem to look for new cheese.</i><span class="Apple-style-span" style="color: black;"> </span></blockquote><blockquote style="color: #134f5c;"><i>After some time Haw realized that he has found new happiness and understand that cheese is always out there, but needs to be explored and discovered. </i></blockquote><br />
<div style="text-align: center;">********************</div>You have to read it on your own, I can't write the whole book in~ its way too long.<br />
But the main lesson here is that, if we reserve our mind to stick to the same thing, it may cause danger if something goes wrong. We should not be afraid of changes.<br />
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I've actually seen a lot of people suffered, working too many years. Too reserved and they dare not change their full time job because they fear that they can't earn enough to support their life. Therefore they are caught in the rat race again and again!<br />
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If you want to be rich, you have to be different. If working for company makes you richer and happier...stick to that until you prosper.<br />
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If you hate your job but you dare not quit in fear of not earning enough, then do something.<br />
Start planning financially, keep yourself aware of how to make money work for you. Invest!<br />
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Next post, I wanted to share some view of picking a right stock of value investing. For beginner may get to learn how to slowly pick a stock for long term. As the company grow, our money grow together with them.<br />
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Other books by Spencer Johnson that may be useful:-<br />
<ul><li><a href="http://www.whomovedmycheese.com/BooksBySpencerJohnson.html">The Present: The Gift for Changing Times</a></li>
<li><a href="http://www.whomovedmycheese.com/BooksBySpencerJohnson.html">The One Minute Manager</a></li>
</ul><iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=lilbox-20&o=1&p=8&l=bpl&asins=0688014291&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe><br />
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<iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=lilbox-20&o=1&p=8&l=bpl&asins=0307719545&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe><br />
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</span>Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-10508022302389266562010-12-04T12:00:00.000+08:002010-12-04T12:00:57.404+08:00How to use your credit card?<blockquote><div style="color: #38761d;"><b><i>"You went for a date with your partner in a posh dining restaurant. Right after you finished your meal, you asked for the bill. The French waiter came with the bill on a silver platter, and you tossed your plastic gold on the plate. The waiter swiped it, and you signed your receipt and off you go~"</i></b></div></blockquote><br />
That's how easy credit card can be! Swipe and go, no need to pay by cash. But if you pay after due date, bank will charge you interest of average 15% of your amount. If you owed $5000 outstanding, you will be charged <span style="font-size: large;">$750</span>....Just because you did not pay on time you will be charged $750 <span style="font-size: large;">for nothing! </span><br />
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So what am I saying here? Don't use credit card? No such thing!<br />
You still use credit card~ well, use it wisely. If you know which credit card to use, you can in fact save your money!<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiDbEd9_pYpCfbfJKImEC24EqXQEXgwRUbFMBBzAoVZNKdRUoHUZQRTIwJD85b0-mj1su5hcMVjynwXVaNXAEFexs0mgzsxAajLV6mTEL1dj6_uawffsK0UoHl61h0IdLo2DfQmpKRu2M/s1600/card.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgiDbEd9_pYpCfbfJKImEC24EqXQEXgwRUbFMBBzAoVZNKdRUoHUZQRTIwJD85b0-mj1su5hcMVjynwXVaNXAEFexs0mgzsxAajLV6mTEL1dj6_uawffsK0UoHl61h0IdLo2DfQmpKRu2M/s400/card.JPG" width="300" /></a></div><br />
There are a few criteria to review before you consider using credit card <i>(Note: The banks mentioned below may only be applicable in Malaysia only)</i>:-<br />
<ul><li><b>Pay your credits on time. </b>Very obvious that you should pay on time to avoid creating debts and got charged on interest for nothing. This requires a good habit/discipline, for sure its a hassle to always pay the bill every month, however do you want to waste your money for the bank interest?? </li>
</ul><ul><li><b>Look for card that offer cash-back or rebates.</b> As you swipe your card you will receive a certain percentage of money to be returned back to you, this means you saved more money by using credit card<i style="color: #274e13;">. <span style="color: red;">Eg. Alliance Bank Classic card offers rebates from 0.5% to 1.2% for monthly spending of RM1 to RM1,000</span></i><i style="color: red;">. UOB ONE classic card offers 2% cash rebate on grocery shopping in Tesco, Giant and Carrefour AND 2% rebate on petrol purchases at any BHP stations. </i></li>
</ul><i style="color: #274e13;"></i><br />
<ul><li><span style="color: #274e13;"><b style="color: black;">Card that offers 0% instalment plans. </b><span style="color: black;">Sometimes you may buy stuff that's expensive. Don't worry just swipe your card, as long as it offers 0% instalment rate. Just make sure you pay your monthly credit before due date! <i style="color: red;">Eg. Citibank credit card offers 0% instalment on a selected list of merchants; and instalment tenure can be 6,9 or even 12 months.</i></span></span></li>
</ul><ul><li><span style="color: #274e13;"><b><span style="color: black;">Look for reward points on issuer's card. </span></b><span style="color: black;">Most people are attracted by this, the more you swipe the more points you will get. And you can redeem rewards from the points you have accumulated. But my suggestion, don't swipe for the sake of the points. Swipe for things that you REALLY need, if you don't need it don't bother to swipe. Because this is a strategy from the bank to make you <span style="font-size: large;">spend more!</span> <i style="color: #274e13;"><span style="color: red;">Eg. Issuers like HSBC, Citibank and EON bank credit cards offer variety of items to be redeemed from the points accumulated. </span></i></span></span></li>
</ul><ul><li><span style="color: #274e13;"><b><span style="color: black;">Waive annual fee. </span></b><span style="color: black;">Some credit card issuers charged annual fee for the credit card you own. Look for banks that are able to waive your fee, so that you will not be charged at all for the card you use. <i style="color: red;">Eg. CIMB MasterCard</i></span><i style="color: red;"> and Ambank's platinum & gold cards offer free for life waiver.</i></span></li>
</ul><ul><li><span style="color: #274e13;"><b style="color: black;">Discounts and privileges for card owners. </b><span style="color: black;"><span style="color: black;">This part</span></span><span style="color: black;"><b> </b>is where you save money. Issuers offer discounts on dining restaurants, hotels, travels or even shopping. So here's where you have to target on which card to help you save more often. <i style="color: red;">Eg. </i></span></span><i style="color: red;">HSBC SmartPrivileges offer 70% discount off normal-priced product of 138 selected merchants and CIMB Bank Smart Reward<span style="color: red;">s gives</span></i><span style="color: red;"><i> 30% discounts on 120 merchants chosen. </i></span></li>
</ul><ul><li><span style="color: #274e13;"><b style="color: black;">Some cards offer free flight benefits. </b><span style="color: black;">If you travel often, look for cards that offer benefits for traveling. The concept is that for every flight you took, you will be awarded with mileage points. After </span></span><span style="color: #274e13;"><span style="color: black;">you accumulated enough</span></span><span style="color: #274e13;"><span style="color: black;"> points, you may be entitled to redeem a flight ticket for free! <i style="color: red;">Eg. KrisFlyer American Express Gold Credit Card offers such service for flight originating from Malaysia, each RM2 you spent you will earn 2 KrisFlyer miles. Collect enough you get free flight reward! </i></span></span></li>
</ul><div style="color: red;"><br />
</div>Therefore, are you able to find some benefits that your card can serve you? Utilize it, because banks are offering it generously. And remember, never ever get caught on interest rates, happy swiping! =)Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-62972496424122887382010-12-02T00:29:00.003+08:002010-12-02T23:55:33.648+08:00Anybody can make MONEY, everyone is equalSimple sentence and easy to understand. Everyone is equal here no matter how rich or how poor you are, I don't care about racism or life status. <br />
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As long as we are born in this world, we all have equal chance of being rich or earn more money.<br />
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My blog objective today is to wake you up, if you tell me that you belong to the following statements:<br />
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#1. I don't think I can earn extra money, because I don't have enough to spend already!<br />
#2. Whenever I think of fast/big money is either a scam or very risky.<br />
#3. Only salespeople can earn money if I don't do sales I don't earn money.<br />
#4. Money is the <span style="font-size: large;">root of evil </span>(define evil to me, i have my post mentioning this sentence: <br />
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<a href="http://wealthstreetjournal.blogspot.com/2010/11/money-is-root-of-evil-really.html">http://wealthstreetjournal.blogspot.com/2010/11/money-is-root-of-evil-really.html</a>)<br />
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<div style="text-align: center;">****************</div>Whether you are rich or poor, young or old, high class or low class status. <span style="font-size: large;">IT DOESN'T MATTER</span><br />
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People who come out with the 4 statements above is either unable to find better alternatives to get rich comfortably or find excuses to be lazy.<br />
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To make money its simple, as a starting ground, I have suggested some steps below:<br />
<ol><li><span style="font-size: large;"><b>Set your objective</b> </span>- Its the fundamental and its a must. As we plan to earn money, we need to know how much do we want to earn in 5 years time or 10 years time? Why do we need money for? For house? Travel? Financial independence?</li>
<li><b><span style="font-size: large;">Find your way to achieve your objective.</span> </b>Of course there has to be a way to earn that money, but it doesn't come easy. </li>
<ul><li>My way of earning more money is through investing <b>(compounding factor, use money to work for me and build even greater value)</b>. You can think of your way to earn that money if you already have the idea. </li>
<li>I have suggested a few alternatives of investment that might help, <a href="http://wealthstreetjournal.blogspot.com/2010/11/work-for-money-or-let-it-work-for-you.html">http://wealthstreetjournal.blogspot.com/2010/11/work-for-money-or-let-it-work-for-you.html</a></li>
</ul><li><b> <span style="font-size: large;">Do your homework.</span></b><span style="font-size: large;"> </span>How to earn your money? Start an online business? Sales? Investments? All these need essential amount of homework. Find more info, get to know the relevant materials to boost your skills. You expect salespeople to earn big sales just by talking? No way, they learn from experience and homework to practice their selling skills.</li>
<li><span style="font-size: large;"><b>Move your butt and start doing something!</b></span> As you are reading this, it makes you feel excited, wanted to earn more. Or have you been thinking of earning money BUT waiting for a correct timing. When is the correct time other than <span style="font-size: large;">NOW?</span></li>
</ol><blockquote style="color: #b45f06;"><i>" I learnt something from a friend of mine.</i> </blockquote><blockquote style="color: #b45f06;"><i> <span style="font-size: large;">Carlos Slim Helu (world's richest man)</span> and me have a lot of big difference, but we both have something in common. <span style="color: red; font-size: x-large;">TIME. </span></i></blockquote><blockquote><i style="color: #b45f06;">Everyone has 24 hours a day to spend, depending on how we utilize it. And so, if we wait for another day to plan, we wasted 24 hours, then another week we wasted 168 hours. So how long do we still need to wait??"</i></blockquote><br />
So the saying goes again, move your butt and start doing something. Its all about action that proves everything. If we don't do it, we will never see the difference. Good luck! =))Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-34901710315888026992010-11-28T18:20:00.000+08:002010-11-30T23:02:48.990+08:00Work for money OR let it work for you!In my previous post, I've mentioned about the time of retirement. Of course we all wish to retire early.<br />
Yet, most people work for money. They travel to office, work from 9 to 5 and get the paycheck every month. <br />
<br />
But have you ever wonder how it will be like if you use the money to work for you instead? How can you do that?<br />
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I've collected many ideas from different books and experiences of great mentors. So here's to share some of the knowledge I've learned.<br />
One of the many ways to let money work for you is through...investment!<br />
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You can simply dump your money into some investments, leave it for few years or more, and let the money grow. After some time, take it out and voila! you earn more than the money you invested! Sounds easy? Well, it seems, but you need to do your homework before you invest, that's for sure!<br />
<div style="color: purple;"><b><br />
</b></div><div style="color: purple;"><b><i>Mutual Fund/ Unit Trust</i></b></div>This is one of the easiest way to invest, requires less monitoring compared to other investments. <br />
How mutual fund work is that, the fund manager will allocate your money to invest into different companies or industries (depending on which sector the fund is in).<br />
<br />
Invest it in the long run, for example within 5 to 10 years time, the earnings percentage will be around <span style="font-size: large;">7-15%</span>. The chances of having to see a growth in your investment is very likely <b>(unless you choose a wrong fund at the wrong time, then you lose money!) </b><br />
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<div class="separator" style="clear: both; text-align: center;"></div><br />
<div style="color: purple;"><b><i>Stock investment/trading</i></b></div><br />
<iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=lilbox-20&o=1&p=8&l=bpl&asins=9810581955&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 245px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe>Here you will become a part of a public listed company's shareholder. You buy a company's share, you own a part of the company. As their share price increase after you bought it, you will earn money.<br />
You may want to invest for long-term or short ones, it requires plenty of understanding of stock investments. <br />
<br />
But as you invested your money in, it will start to <span style="font-size: large;">work for you.</span> You will start to sit down in front of the tv or computer monitoring the share price, hoping it to go up.<br />
I wouldn't want to explain in detail on this, it will make this post look like a novel. On my next post perhaps. =))<br />
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<br />
<i></i><br />
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<b><span style="color: purple;"><i>Property investment</i></span></b><br />
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<iframe align="left" frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="http://rcm.amazon.com/e/cm?t=lilbox-20&o=1&p=8&l=bpl&asins=0471647128&fc1=000000&IS2=1&lt1=_blank&m=amazon&lc1=0000FF&bc1=000000&bg1=FFFFFF&f=ifr" style="height: 248px; padding-right: 10px; padding-top: 5px; width: 131px;"></iframe><br />
This is one interesting. It always reminded me of big players like Donald Trump or best-selling author Robert Kiyosaki. Both emphasize on property investment. <br />
Many ways to invest in property. One way is to buy a property that has really great value. Good property's price will grow overtime, when it reaches a perfect time, sell it and earn a great percentage of returns.<br />
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If its a shop lot or a house, <span style="font-size: large;">rent it out</span>, get the monthly rental income to pump into your mortgage. Through this you can reduce some mortgage expenses at the same time finish the loan until the tenure ends. This requires huge capital, of course young people without much money don't even have to think about it.<br />
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Another way of investing is to start renting the whole house. And rent it to other tenants at a <span style="font-size: large;">higher price</span>, you will earn small returns from there as well. <br />
This is best practice if you are able to rent it around college/uni locations. <br />
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Many other ways of having the money to work for you. Its whether we can practice it real life or not. <br />
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Bear in mind, these are only some of the suggestions I've derived from mentors, books and also myself. You may have different ideas of investments from mine. <br />
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Happy investing, remember, let money work for you is the best way to earn extra!Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-47037422692543950312010-11-26T15:23:00.000+08:002010-11-30T14:03:20.472+08:00When should I retire?When should you retire? Ask yourself. By the age of 50 or early 40? After you secure your savings and earn high salary…?<br />
<br />
Get good grades in college/uni, develop an outstanding resume and hope to enter an MNC company with good prospect.<br />
Climb your ladder up the top, become a manager by mid 30s, and get a secured top management position as you grow older. Earn a 5-figure salary and save enough money. Try not to spend so much, so that you can retire safely.<br />
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<div class="separator" style="clear: both; text-align: center;"></div><br />
Try to picture my sentence above, is that almost similar to what you plan to do?<br />
If not, <span style="font-size: large;">good</span>, hope your plan works out well in future.<br />
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If yes, then I must say this is such a <span style="font-size: large;">dangerous plan.</span><br />
These people are always stuck in the rat race until they get old. Because they are always in the corporate circle, work for company..sometimes till late night if job is not done. Wake up every morning 9-5. At the end of the month earn their paycheck.<br />
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These people work for money, if one day they fell ill, or not able to work, they don't get paid. So they work even harder in order to earn more money before they grow old, and retire early. <br />
<div style="color: red;"><span style="font-size: large;">Health deteriorates, stress piling up, emotional breakdown….</span></div><div style="color: red;"><br />
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All because they choose to earn more, and work harder to earn the kind of money.<br />
Its not wrong to have a commitment like this, in fact I respect their persistence, they are very <span style="font-size: large;">hardworking.</span> I am less than half of what they can do.<br />
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Its just sad they suffered because of choosing a dangerous plan. A plan that majority chooses, very common to everyone, and even some parents teach their kid to do so!<br />
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I've seen many of them faced depression due to such plan, but doesn’t mean these people CANNOT change it.<br />
They just need to improvise their plan, setting a better financial plan and future plan that save them from depression~<br />
Instead of working for money, let money work for you<br />
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I've mentioned earlier in my previous posts, some ways to help build your wealth base:<br />
<div style="color: #e69138;"><br />
</div><div style="color: #e69138;"><a href="http://wealthstreetjournal.blogspot.com/2010/11/pay-yourself-first.html"><strong>http://wealthstreetjournal.blogspot.com/2010/11/pay-yourself-first.html</strong></a><br />
<br />
<a href="http://wealthstreetjournal.blogspot.com/2010/11/blog-title-is-simple-pay-yourself-first.html"><strong>http://wealthstreetjournal.blogspot.com/2010/11/blog-title-is-simple-pay-yourself-first.html</strong></a></div><br />
These are some small steps to begin with, at least you wont stuck in the rat race until old age. At least there are still money coming in even when you are not working.<br />
More suggestions to come in future…once I've listed out some other opportunities to get out of rat race =)Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0tag:blogger.com,1999:blog-1391393613353645731.post-78454643399959094242010-11-22T05:20:00.000+08:002010-11-30T13:49:21.890+08:00Imagine the power of compoundingYesterday I attended a basic fundamental workshop on stocks investing. And amusingly, some of the audience experienced investors and traders. I supposed they wanted to feel humble to attend an event for beginners lol!<br />
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The speaker, Pauline Yong is the author of this book,<strong> I Love Stock</strong>. A simple lady around her 30s yet, packed with knowledge and experiences on stock investing. Dun be surprised <span style="font-size: large;"><span style="font-size: small;">if you</span> cannot</span> find this book too far away from Malaysia or Singapore. Its just a simple local book.<br />
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<div class="separator" style="clear: both; text-align: center;"></div><br />
The book provides the very basic and fundamental aspects on how to invest in stocks. This is very much linked to a beginner, so if you wanted to invest in stocks but you're still new, I guess it match your criteria?<br />
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During the workshop, I wasn't surprise to realize that I am the youngest of all. I could see from their faces, either they are married couples, retirees or family man. None of them looked as if they're in their 20s. <br />
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And that's why people say, start young is always better.<br />
<span style="font-size: large;">Warren Buffett </span>(3rd richest man in the world as of 2010) started investing at the age of 11. <br />
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I decided to design my own FAQ....<br />
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<div style="color: #741b47;"><b>Statement #1: Why start young? I can always start when I have sufficient/more money, or when I am ready.</b></div>Because, money will never be enough and you will never be ready, if you don't act! Learn how to start investing and equipped with the tools needed, you can start. But never start investing blindly, that's stupid!<br />
Age is not a matter, there is no problem to start with small amount if you don't have a lot of money. <br />
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<div style="color: #741b47;"><b>Statement #2: Why can't I start later? When I grow older its wiser to start as I'll be more experienced.</b></div>Power of compounding. The younger you start the earlier you can become rich.<br />
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWx79Rve71OcZd-Wjo561BRPvSGYMcYn_rRasDRqq3-V7yxzCy6Zq2eowUf3ZMyXZfeHQGzhfN-3KNbKdLoHNjtdbD3-8Kdb1nKg3EpjmXRw8EsT5JypjnDHLuyRAlsWeqhmzcFKveLyk/s1600/CFP-PowerOfCompounding.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="252" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWx79Rve71OcZd-Wjo561BRPvSGYMcYn_rRasDRqq3-V7yxzCy6Zq2eowUf3ZMyXZfeHQGzhfN-3KNbKdLoHNjtdbD3-8Kdb1nKg3EpjmXRw8EsT5JypjnDHLuyRAlsWeqhmzcFKveLyk/s400/CFP-PowerOfCompounding.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Source: http://www.commbank.com.au</td></tr>
</tbody></table><br />
Based on the chart, Flo saved $2000 per year from 21-40, at the age of 65 he earned $200,000++<br />
And Joe saved $2000 per year from 31-65, at the age of 65, he earned only $150,000++<br />
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See the difference? Start young makes a different!Kc LoHhttp://www.blogger.com/profile/12313850457304705171noreply@blogger.com0