Sunday, January 8, 2017

心得分享:孙子股市兵法(冷眼 著)

每一次读冷眼的书,就像长辈苦口婆心的劝告我们什么该做,什么不该做。不久前,冷眼出了他的第四本书《孙子股市兵法》。书的内容就是以孙子兵法的角度去剖析股票投资该有的正确态度。

全书共336页。内容贯彻的是冷眼的投资心得。借此机会,我来与冷眼的一些股票投资概念来做个比较。

一、冷眼鼓励投资者除了多读公司的年报、研究报告以及报章的资料外,最好养成每天读完上市公司文告的习惯。若你是股东的公司的文告,必须细读。你有意参股的公司的文告,只需略读。至于你无意参股的公司,只需游览其文告,以找出是否有新的发展既可。

Sunday, December 25, 2016

提早退休,可能吗?

久违了。经过一段时间的沉淀后,我终于决定再次通过这管道来与大家分享我的投资理财心得。谢谢大家这些年来的支持。

我在25岁时开始学习财务规划。15年来,我一路跌跌撞撞,跌倒了再爬起来。失误及错误让我更好的规划出我指望的财务路线。经过这些年的努力后,在年届40岁时达到了财务自由。由于当时工作还算顺利,因此打算较后才辞职。我倒是让太太先离开职场。这是因为她经常埋怨天天忙工作忙家务,根本没时间给自己。当时我想这个家也已经不需要她帮补什么,因此让她先提早退休。

在我41岁时,因为上头的无理取闹而对管理层不满,开始问自己为何要受这种气而开始有离开的念头。那时,我认为没有必要为这公司付出更多。我不想再多烦恼而牺牲我的健康。终于,我递交了辞呈。正如预料般的,公司开口挽留。当时我对退休生活一点概念都没有,也没有再找工作或做生意的打算,因此答应了公司的挽留。之后的工作因上头的态度改变还算过得去,但压力还是很大。因此,提早退休的念头从来没从我的脑海里消失过。

重点来了。我常问自己,对于提早退休,我在当心什么。财务方面,一切都处于正轨,全在掌握之中。健康方面,因为有注意作息、饮食及常运动,健康比任何时候都好。那到底我在我在当心什么呢?经过3年的摸索,我开始有了眉目 -- 我不晓得在退休后多出来的时间要干什么。于是我继续探索。就在2016年11月份,我在本地著名的中文报章看到介绍一位台湾乐活家,“老黑”田临斌,的新书《45岁退休,你准备好了?》说明会广告。单看书名,就吸引了我。原因很简单。我今年正是45岁,正积极思考提早退休该做什么。我太太于是问我这是不是另一个有关钱财管理的新书介绍。若是,她劝我就别浪费我的时间因为我已经在投资理财方面比同龄的做的更好了。更何况,我已达到财务自由。在我看了“老黑”的新书简介后,我非常确定“老黑”要分享的是,除了理财外,该如何让退休生活过的更有意义。我于是在2016年11月27日参加了“老黑”在My Library的新书说明会,的确获益不浅。

我在2016年11月27日参加了“老黑”田临斌的新书分享会。第二排左四便是我。
照片来源:新洲日报 (2016年11月28日,大柔佛,第4页)

在读了这本书后,我把所理解的整理如下与大家分享。“老黑”强调以下十堂课都至少要及格才有资格提早退休。在此,我将“老黑”的见解与我的现状比较,看看我是否已准备好。

Wednesday, February 19, 2014

Update of My Bank C's Cash Rebate Credit Card

Currently, I am having the cash rebate credit card from Bank C and Bank O. 
 
I just received my new Bank O's card in December 2013 for 1% rebate for whatever retail charges into the card.  I have been holding Bank C's for three years and it provides 5% rebate on petrol, 2% rebate on mobile phone bills & hypermarkets' shopping while only 0.3% rebate on other retail spending.  To optimize the rebate to be received, I have diverted other credit retail charges to Bank O's card to enjoy higher return.

Thursday, February 6, 2014

Apply to be Accepted into the Program

The long waiting InvestBursa course is opening for new intake soon. But we are changing the way we enroll people into the program this year.

How?

You need to apply to get accepted. See what I mean here.

Why?

Because we want to keep the direct 1-1 coaching group small, it's quality over quantity. And we only want the right people with the right mindset to take action.

Not people who intend to get rich quick overnight without any hard work. Yes, investing is a hard work by its own, but the outcome is a rewarding one.

Click here to apply, and we will send you another exclusive content of the program next Monday if you apply.

So you have an idea of how valuable the content is inside the program

Thursday, January 9, 2014

Up, Up and Away .....

Happy new year, my fellow readers.  It is another brand new year and we are on the way toward another era of high living cost such as hike of charges on electricity, assessment, school bus ....  Pheww, how are we going to get through all these?

Thursday, December 5, 2013

These Smart Ringgit-Saving Tips Can Help You Extend and Grow Your Money


I’m always approached for advice on how I manage my money so well. I say that hearing endless stories about people being stuck in debt, such as a neighbor who lost his house because of loans he couldn’t pay, a gambling fiend who struck it lucky once before going on a losing streak that had him forever indebted to friends, and other stories about financial woes that lead people to depression and declining health has pushed me to be wise with my finances at an early age.

Thursday, November 28, 2013

Myth of Credit Card Cash Rebate

I have been holding cash rebate credit card since 2008.  If you follow my blog closely, you should understand that I treat credit card as cash and cash rebate as a discount.  I believe it is essential for us to do so especially in the regime of high living cost we are experiencing now.

Thursday, November 21, 2013

Investment Fund Allocation

For those who have basic understanding on financial planning should understand the importance of fund allocation.  Techinically speaking, fund allocation should be make according to your risk profile.  If you are a conservative investor, you might prefer to opt for more investment on bond-like investment as too much stock-like investment will create uneasy feeling.  Of course, for an agreesive investor, the scenario will be the other way round.