Sunday, April 2, 2017

你“要”的是什么?

一天中午,我和一位好友同事用餐时,聊起下属管理的话题。原因是他有一位经理下属,非常自我到目中无人的地步。她以自我为中心的态度已让许多人不敢恭维,甚至连公司高层都睁一只眼闭一只眼。无可否认的是我们的高层无视员工的心理而让事件自然平息。其实他们没看到的是平息的背后是在累积着大量的不平衡。不好好地处理这不平衡将会带来不可预知的后果。钻不出牛角尖的就会耿耿于怀,又或是与之为敌。恶性循环将持续下去直到崩坏。

Sunday, March 19, 2017

人生目标

很多人在很多时候会自然的把不如意无限量的放大,把自己当成琼瑶小说里的主角,有着别人无法理解的坎坷命运。认为他人都不了解自己因而遇到的种种的阻碍及挫折。怨天尤人,埋怨为何上天对他那么不公平,因而到处找人发泄。被盯上的倒霉者就成为他的垃圾筒任他倾倒。这样一方得到了释放而另一方则装下了满满的垃圾因而制造了下一个的“不平衡”者。我本身就有着类型的朋友。说实话,我并不是很喜欢和这类型的人有频繁的接触。但在很多情况下,当事人并不晓得他所做的对另一方带来的负面影响。

Sunday, March 5, 2017

退休生活试验

2017年丁酉鸡年,我拿了十天的长假。目的主要是要借这时机与家人朋友好好聚聚,二来是要借这十天长假来试验一下退休生活的感受。在此来分享一下我的感想。

在这一个多礼拜来,说真的,除了吃吃喝喝之外,我的生活还挺充实的。第一,除了年初一外,我每天都做一个小时的晨运。我每天早上六点左右便起身梳洗。在6:30am出门运动前会喝一杯温开水。为了更有效的消耗新年期间吃喝的热量,我的跑步圈数从之前的15圈增加到20圈。一圈约为250米。换句话说,每一天我都跑了5公里,这还没加入快走热身。结果是我的跑鞋都快“瓜”了但我的感觉良好。每次跑步时都会从开始的慢跑逐步加快。我这样做的目的是要训练自己的耐力和保持我的肺活量。汗流浃背和气喘如牛后是一身的轻松。下来便是做拉筋运动好让我全身的筋骨灵活。之后再慢慢的走回家,在让身体从高运动量后开始休息并沿途欣赏住家四周的一花一草。回到家后,正好来个热水澡。不亦乐乎。

Sunday, February 19, 2017

现在该投资什么?

我上周见到了一位好朋友,并进行了很好的交谈。其中,他与我分享他在任何种类的投资都是非常保守。他非常不愿意踏出他的投资第一步因为他很害怕损失。事实上,他已婚但没有孩子。他也有良好的收入,也没有多少债务。

我告诉他,与其他同龄的大多数人相比,他的财务状况已是很好。他的主要缺点是他从来没有渴望学会如何投资。他同意我的看法。他一直认为投资是一个非常复杂的学科但我不同意。我进一步告诉他,他害怕投资是因为他缺乏相关的知识。要克服这一点,唯一方法就是打开他的心结去学习。他可以从书中学习,参加研讨会以及和志同道合的人一起研究。如果他愿意学习和参与,他将能够看清他的投资。

Where to Invest Now?


I met up a good friend last week and had a nice conversation.  During the chat, he shared with me that he had been a very conservative in any kind of investment.  He was very reluctant to move his first step to investment simply because he was very scared of losing.  As a matter of fact, he is married with no children.  He is also a decent income earner without much debt holding.  

Therefore, I told him that he is at a better financial position as compared with the other majorities with the same age. The major shortcoming of him was that he never has a desire to learn how to invest and he agreed with me.  He kept thinking that investment is a very complicated subject to learn and I did not agree with him.  I further enlighten him that he was afraid of investment simply because he did not have much knowledge about it.  The only way to overcome this is to open his mind and learn.  He can learn from books, attending workshops and seminars, and get around with people with same interest.  If he is willing to learn and get involve, he will be able to see the investment he had learnt clearer than anyone who did not do so.

Sunday, February 5, 2017

Investor vs Speculator, Which One are You?

I participated a cross country run held at my daughter's primary school on 14-Jan-2017.  It was very crowded.  Of course, I met a number of old friends there.  One of my friends, who is also a reader of my book, asked me on whether I am writing a new book.  I told him that, instead of writing, I teach so that I could guide my students proactively according to my investment philosophy instead of letting them to guess based on their perception on I wrote in my books solely.

Sunday, January 22, 2017

Advice from Personal Financial Adviser?

Few days ago, I went to a foreign bank to have a fixed deposit placement as they were offering an attractive risk-free rate as compared with other banks in Malaysia then.

When I requested for a queuing number, the bank staff gave me a number to see a Personal Financial Adviser.  I wondered why and would like to see what is the catch.

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。