Gambling is a high risk investment. The skills of gambling are as below:
1. choose the lowest risk game
2. minimize the risk
3. dont greedy
It is good if u understand the skills, if not I also not plan to elaborate more, because no free lunch in the world. What i can say is "dont greedy" is the most important among the skills.
Saturday, September 29, 2007
赌博论
赌博是一项高风险的投资。赌博也可以有技巧，技巧如下：
1 选择低风险的玩法
2 把风险降到最低
3 不要贪心
你们看完可能会觉得很不屑，但我也不打算多加解释，必然天下没有白吃的午餐，我只能说以上三种技巧中，“不贪心”是最为重要的。
1 选择低风险的玩法
2 把风险降到最低
3 不要贪心
你们看完可能会觉得很不屑，但我也不打算多加解释，必然天下没有白吃的午餐，我只能说以上三种技巧中，“不贪心”是最为重要的。
Friday, September 28, 2007
Y invest when young?
One of the strategy of investement is invest when young. But some would think that they hav not enough capital to invest when young. Lets c the example below.
Here, A invests 1000 every year and maintain it 10 years, if the return is 10% every year, he got 17,531 at the end of 10 years, then his total return is 75.31%.
B only start invests in year 6, he invests 2000 every year and maintain it til year 10. If the return of every year is same with A, 10%, he got 13,431 at the end of year 10, his total return is 34.31%.
Obviously, their total returns are different although their capital and the retrun of every year are same. A got 75.31% return while B only got 34.31%, y like this?
Albert Einstein said compound interest is the greatest mathematical discovery of all time.
What is compound interest? Compound interest is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on.
The key factor of compound interest is time. The longer the time, the effect of compound interest is more obvious. When young, U mayb hav not enough capital, but U hav enough time to lets the compound interest grows.
The most important is U hav to start invest now and not wait until u hav enough capital, U hav 2 remember that the key factor of compound interest not u hav big capital, but u hav many time.
Here, A invests 1000 every year and maintain it 10 years, if the return is 10% every year, he got 17,531 at the end of 10 years, then his total return is 75.31%.
B only start invests in year 6, he invests 2000 every year and maintain it til year 10. If the return of every year is same with A, 10%, he got 13,431 at the end of year 10, his total return is 34.31%.
Obviously, their total returns are different although their capital and the retrun of every year are same. A got 75.31% return while B only got 34.31%, y like this?
Albert Einstein said compound interest is the greatest mathematical discovery of all time.What is compound interest? Compound interest is the concept of adding accumulated interest back to the principal, so that interest is earned on interest from that moment on.
The key factor of compound interest is time. The longer the time, the effect of compound interest is more obvious. When young, U mayb hav not enough capital, but U hav enough time to lets the compound interest grows.
The most important is U hav to start invest now and not wait until u hav enough capital, U hav 2 remember that the key factor of compound interest not u hav big capital, but u hav many time.
compound interest = little capital + many time
Thursday, September 27, 2007
为什么要趁年轻投资？
有句话说得好，“年轻就是本钱”。但年轻就本来没钱，何来年轻就是本钱呢？
如果你是这样想的话，就看看以下的例子。
这里有两个人，A每年投资1000，投资了十年，如果每年的回酬是10%，到了第十年，他就有17,531，他已赚了75.31%。
B在第六年才开始投资，每年投资2000，投资了五年，如果每年回酬也是10%，到了第十年就有13,431，他已赚了34.31%。
在这里不难看到虽然他们投资的数目和每年的回酬都一样，但赚到的就相差很多，分别为75%和34%。这是为什么？
爱因斯坦有说过，“复利是宇宙最大的力量”。复利是什么？ 你的本金连同你每年得到的利息，让它们一直重复计算利息，这就是复利。俗语叫做“利塔利”。
要达到复利的效果，关键就在“时间”。时间越长，复利的效果就会越好。年轻的你，就胜在时间够多，虽然钱不够多，不过还是有机会看到复利的效果。
最重要，最重要的，就是现在开始投资，而不是等到存到一大笔钱才来投资，要记得复利的关键不在你的钱够多，而是你的时间够多。
如果你是这样想的话，就看看以下的例子。
这里有两个人，A每年投资1000，投资了十年，如果每年的回酬是10%，到了第十年，他就有17,531，他已赚了75.31%。
B在第六年才开始投资，每年投资2000，投资了五年，如果每年回酬也是10%，到了第十年就有13,431，他已赚了34.31%。
在这里不难看到虽然他们投资的数目和每年的回酬都一样，但赚到的就相差很多，分别为75%和34%。这是为什么？
爱因斯坦有说过，“复利是宇宙最大的力量”。复利是什么？ 你的本金连同你每年得到的利息，让它们一直重复计算利息，这就是复利。俗语叫做“利塔利”。要达到复利的效果，关键就在“时间”。时间越长，复利的效果就会越好。年轻的你，就胜在时间够多，虽然钱不够多，不过还是有机会看到复利的效果。
最重要，最重要的，就是现在开始投资，而不是等到存到一大笔钱才来投资，要记得复利的关键不在你的钱够多，而是你的时间够多。
复利 = 少少钱 + 多多时间
Sunday, September 23, 2007
Work? Not work? Do business? Invest?
Famous book, "Rich Dad, Poor Dad" asked ppl dont "work". Many ppl think that they can do nothing if not work because they are not businessmen.
There are few way to earn money:
1. earn money by ur arm and time--factory worker
2. earn money by ur brain and time--skill worker or professional
3. earn money by ur brain, time and capital--businessman
4. earn money by ur money--investor
If u do not hav any skill or knowledge then u hav to earn money by ur arm and time, the salary is lower because any ppl can do ur job.
If u studied in university or hav a cert, u may earn money by ur brain and time. The range of the salary is quite wide for this kind of ppl, it is differentiate by their level of brain. The CEO may get a fantastic pay while the fresh graduate with same qualification may not get same pay.
The 3rd kind of ppl earn money by brain, time and capital. They might hav a skill or knowledge, by investing their time and money, they start their business.
The last is investor, they earn money by money.
U might c that all r using time except investor. we hav limited time, arm and brain. The only way to increase ur ability of collecting wealth is money earn money. But u might say: "I no money, how can i money earn money? Ofcourse, working is the way to collect wealth if u no money, but the ability of collecting wealth is jz like walk, compare to money earn money is like fly. ofcourse u know fly is faster, that is y working jz for starting to save money to fly lah!
U might think that money earn money is the game for rich ppl, not every1 can play. What i can
say is, this is the way they get rich, if u dont learn to play this game, u knw wat? U wil be a "Poor Ppl" forever and ever and ever..
ofcourse, there are various investment, with small capital and big capital. The investments with small capital are stock market, unit trust and bond. But, pls la! dont tell me that saving in bank and fixed deposit are investment also! The interest earned dont even can cover inflation!
In conclusion, it is not important whether u work or not work, the important is u hav to learn how to money earn money, learn how 2invest.
There are few way to earn money:
1. earn money by ur arm and time--factory worker
2. earn money by ur brain and time--skill worker or professional
3. earn money by ur brain, time and capital--businessman
4. earn money by ur money--investor
If u do not hav any skill or knowledge then u hav to earn money by ur arm and time, the salary is lower because any ppl can do ur job.
If u studied in university or hav a cert, u may earn money by ur brain and time. The range of the salary is quite wide for this kind of ppl, it is differentiate by their level of brain. The CEO may get a fantastic pay while the fresh graduate with same qualification may not get same pay.
The 3rd kind of ppl earn money by brain, time and capital. They might hav a skill or knowledge, by investing their time and money, they start their business.
The last is investor, they earn money by money.
U might c that all r using time except investor. we hav limited time, arm and brain. The only way to increase ur ability of collecting wealth is money earn money. But u might say: "I no money, how can i money earn money? Ofcourse, working is the way to collect wealth if u no money, but the ability of collecting wealth is jz like walk, compare to money earn money is like fly. ofcourse u know fly is faster, that is y working jz for starting to save money to fly lah!
U might think that money earn money is the game for rich ppl, not every1 can play. What i can
say is, this is the way they get rich, if u dont learn to play this game, u knw wat? U wil be a "Poor Ppl" forever and ever and ever..
ofcourse, there are various investment, with small capital and big capital. The investments with small capital are stock market, unit trust and bond. But, pls la! dont tell me that saving in bank and fixed deposit are investment also! The interest earned dont even can cover inflation!
In conclusion, it is not important whether u work or not work, the important is u hav to learn how to money earn money, learn how 2invest.
做工？做生意？投资？
风靡一时的“富爸爸，穷爸爸”就是一本叫人不要“做工”的书。很多人就有疑问：“不做工难道做生意？万一生意失败，怎样好？况且我不是做生意的材料。”
赚钱有很多方法，可以分为以下几类：
1 靠人力和时间赚钱--服务员，工厂工人
2 靠脑力和时间赚钱--专业人士
3 靠脑力，时间和本钱赚钱--商人
4 靠钱赚钱--投资者
如果你没有一定的技巧和知识，就要靠人力和时间赚钱。通常薪水会比较低，因为谁都可以做。
如果你上过大学，那就有一张文凭，就是靠脑力和时间赚钱。这类人的薪水可以是一般，可以是“天价”，这分别就在他们的“脑力”，因为每个人一天就只有24小时。某某公司的CEO可以是“打工皇帝”，但另一个可能拿着一样文凭的新毕业生就拿到不同的薪水。
第三种是靠脑力，时间和本钱赚钱的商人，他们可能要有一技之长，再把自己的时间和钱投资下去，便可以开始自己的生意。
最后一种是投资者，他们就是靠钱赚钱的。
你可以看到除了投资者，其他三种都是要用时间的。人的时间是有限的，人的人力是有限的，人的脑力是有限的。
只有靠钱赚钱才能把你的聚集财富的能力大大提升。但你可能会说，我没钱，怎样钱赚钱？
当然，人没钱就要做工，做工乃是其中一种聚集财富的方法，但它聚集财富的能力就像走路，钱赚钱就像搭飞机，当然是搭飞机快。做工为起步，存够钱便搭飞机啦！
也有很多人以为钱赚钱是有钱人玩的游戏，不是一般人玩的游戏。我只能说他们就是靠这方法致富，如果你不开始学玩这游戏，你只能永远属于“没有钱人”！
当然，投资有大有小，投资也有很多项目的，选对的投资才是重点。小的投资有信托基金，股票，债卷。不过，拜托下！不要告诉我，存在银行和定期存款是投资！得到的利息连通货膨胀都不够补！
所以讲，做不做工不重要，最重要的是要学会钱赚钱，学会投资。
赚钱有很多方法，可以分为以下几类：
1 靠人力和时间赚钱--服务员，工厂工人
2 靠脑力和时间赚钱--专业人士
3 靠脑力，时间和本钱赚钱--商人
4 靠钱赚钱--投资者
如果你没有一定的技巧和知识，就要靠人力和时间赚钱。通常薪水会比较低，因为谁都可以做。
如果你上过大学，那就有一张文凭，就是靠脑力和时间赚钱。这类人的薪水可以是一般，可以是“天价”，这分别就在他们的“脑力”，因为每个人一天就只有24小时。某某公司的CEO可以是“打工皇帝”，但另一个可能拿着一样文凭的新毕业生就拿到不同的薪水。
第三种是靠脑力，时间和本钱赚钱的商人，他们可能要有一技之长，再把自己的时间和钱投资下去，便可以开始自己的生意。
最后一种是投资者，他们就是靠钱赚钱的。
你可以看到除了投资者，其他三种都是要用时间的。人的时间是有限的，人的人力是有限的，人的脑力是有限的。
只有靠钱赚钱才能把你的聚集财富的能力大大提升。但你可能会说，我没钱，怎样钱赚钱？
当然，人没钱就要做工，做工乃是其中一种聚集财富的方法，但它聚集财富的能力就像走路，钱赚钱就像搭飞机，当然是搭飞机快。做工为起步，存够钱便搭飞机啦！
也有很多人以为钱赚钱是有钱人玩的游戏，不是一般人玩的游戏。我只能说他们就是靠这方法致富，如果你不开始学玩这游戏，你只能永远属于“没有钱人”！
当然，投资有大有小，投资也有很多项目的，选对的投资才是重点。小的投资有信托基金，股票，债卷。不过，拜托下！不要告诉我，存在银行和定期存款是投资！得到的利息连通货膨胀都不够补！
所以讲，做不做工不重要，最重要的是要学会钱赚钱，学会投资。
Saturday, September 22, 2007
The only rule in investment: Never Lose Money!
Warren Buffet had said that there are two rules in investment:
1. Never Lose Money!
2. Never forget rule No.1!
I believe that some ppl might think that is impossible, investment has risk, win and lose.
Actually it is very simply when we relate it to walking. we all do the same thing, walking forward, we knw that if we keep walking forward, no matter how small of our steps, we will reach our destination.
But if u walk by 2steps forward, 1step backward, then another 2steps forward, 3steps backward again, keep move forward n backward, u might be in the same place, or maybe worse is u move backward rather than forward.
For example: If u invested 1000 but lost 500, that means u lost 50%. Now, u only remain 500, to gain back what u lost, u have to gain 100% from what u have now. U can notice that, u have to gain 100% to gain back the 50% u had lost, it is double, pls! That is y my idol, Mr Warren come out which the conclusion: "NO Lose!
It is simple.. Pls think of the way we walk, we walk step by step, no fall, no backward, we will reach where we want.
1. Never Lose Money!
2. Never forget rule No.1!
I believe that some ppl might think that is impossible, investment has risk, win and lose.
Actually it is very simply when we relate it to walking. we all do the same thing, walking forward, we knw that if we keep walking forward, no matter how small of our steps, we will reach our destination.
But if u walk by 2steps forward, 1step backward, then another 2steps forward, 3steps backward again, keep move forward n backward, u might be in the same place, or maybe worse is u move backward rather than forward.
For example: If u invested 1000 but lost 500, that means u lost 50%. Now, u only remain 500, to gain back what u lost, u have to gain 100% from what u have now. U can notice that, u have to gain 100% to gain back the 50% u had lost, it is double, pls! That is y my idol, Mr Warren come out which the conclusion: "NO Lose!
It is simple.. Pls think of the way we walk, we walk step by step, no fall, no backward, we will reach where we want.
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