tan81个人专区2--季度检讨--红红的09年1Q(48页）謝絕灌水

goodluck88

原帖由 老散一名 于 8-12-2008 11:54 PM 发表

哈哈，頂你唔順。
可惜你在北馬，唔係得閒找你都幾爽。

讲开又讲，几年前昵度发生海啸，我住ge个栋楼真系摇咯。。。
个个人拼命跑楼梯走楼罗。。。

老散一名

原帖由 goodluck88 于 9-12-2008 12:02 AM 发表


做咩找我会爽ge？？
我好正经咯，晤包爽咯

哈哈，爽 j 實唔正經 ge 咩。

宇晴

原帖由 goodluck88 于 9-12-2008 12:06 AM 发表

讲开又讲，几年前昵度发生海啸，我住ge个栋楼真系摇咯。。。
个个人拼命跑楼梯走楼罗。。。

你住什么area...
我记得海啸后的余震。我家在6楼都是在摇晃。
不怕是假的。

老散老豆，你上来槟岛探望我们啦！
好运弟弟哦！我叫他多数是不出来的，老豆来当然就不同了

每次叫他，他都在看戏的。
<<东山飘雨西关晴>>, 我是看完了。好运弟弟不懂追完没有

老散一名

原帖由 宇晴 于 9-12-2008 12:11 AM 发表


你住什么area...
我记得海啸后的余震。我家在6楼都是在摇晃。
不怕是假的。

老散老豆，你上来槟岛探望我们啦！
好运弟弟哦！我叫他多数是不出来的，老豆来当然就不同了

每次叫他，他都在看戏的。
...

哈哈，哎呀老豆都想 ge。
可能新年會上去，不過到時都各有各節目囉。

宇晴

有没有卡帖呀！
卡帖很显。

tan81

继续分享路边新闻。
从一个中学生的口中听到，学校的历史老师提起97年金融风暴，有人自杀的事情。
他告诉学生，将来的不久，也许会发生同样的事情。

看来，经济恐慌开始蔓延在公务员的世界了。

最近一个Banker 告诉我，许多厂正在倒闭。
如果要买房产，不妨在3月时才考虑。
他劝我2月去申请贷款，因为3月也许是银行紧缩银根的时候。

明讯7887701

摇了之后，记得要请专家来检查柱子与横梁，看清楚有没有裂痕， 这些裂痕也是很可怕的，会越来越大就非常危险了。它不是倒，是断。断就变倒，倒就变压，压就变废。

tan81

今天又发生什么事？
你们这么得空，不如天天在这里帮我UPdate？
这样，我就不用打开那么多网页。

tan81

http://biz.yahoo.com/ap/081211/congress_autos.html

这个决定是正确的。如果美国政府坚持救助他们，会让我对资本主义的精神很失望。
三家公司，肯定有浑水摸鱼的。

我认为，让市场自由的决定谁可以生存下来，才符合美国精神。

虽然大量裁员，会导致更多社会和经济的苦果。
不过，这总比拖延问题来得正确。而且，救助，不等于解决问题。

美国汽车工业的成本，一直是致命伤。他们应该早就放弃传统的汽车工业，
专注于开发环保汽车或高科技汽车，而不是继续追求“大”。

美国人经过这一次重击，是时候梦醒了。只要市场坚持自由，我认为危机总会过去。
现在是“左右”思想的冲击和竞争的关键时期。

明讯7887701

美国 集 编导，导演， 演员 于一身。
谁有本事炒作油价？
谁能够主持中东油田的开发与分配？
谁能够左右中东的内乱与战争？
谁能够在世界大小战争中有机会赚钱？
谁又能知道美国的汽车王国为什么陷入财务危机？
它的主人有本事，美金还是世界主要的货币，就算现在已发生金融危机。
谁是世界金融的主导者？全世界有多少的投资（投机）基金来自美国？
美国还没有开口向你借钱？那它的千千亿从哪里来？
为什么还没有听说 “微软“ 陷入危机？
不明白

无花

产业收租不是不好,但公司的Properties gain tax和个人的比较起来公司的不是更高吗!?? (我是真的没做过相关研究 记忆中好相是那样)

收租难,手尾多也是个问题.
碰到没品的租户把锁,插座龙头全弄坏,临走间还把整包水泥往马桶里倒!!

题外话,有个朋友的公寓租给一班马来女,马来女在家都是沙笼包上心口的,搞到我的朋友去收租的时候都不敢进去, 他怕万一进去了沙笼莫名其妙掉了下来,租收不到还分分钟被屈黄脚鸡

tan81

Posted on Sunday, January 11, 2009, 12:00AM

At this time of financial crisis, people are seeking good, relevant advice.  But this can be hard to find.

The following is typical of a question you would see in a financial publication -- and its less-than helpful answer:
Q: What can someone whose 401(k) is down do to rebuild their retirement savings?

A: For anyone who is at least five years from retirement, there is probably time for their investments to right themselves.

Resist the urge to take money out of a 401(k) or to stop making contributions to it. Research has shown that dollar-cost averaging -- investing at given intervals -- pays off well in times of crisis.

Check whether the wild market swings have thrown off your asset allocation -- the specific mix of stocks and bonds that makes sense for an individual's financial goals and risk tolerance. If so, then rebalance it by selling shares that are overvalued and buying those that are below optimal levels. Focus on low cost....

Blah, blah, blah.

How naive do the so-called financial experts think people are? Well, obviously, many people are that naive because millions keep listening to the same old advice again and again.

The Same Old Story

So what is wrong with those giving the advice and those following it? Now that the markets have crashed and trillions have been lost, these so-called experts continue on like mindless parrots, saying over and over again, "Polly wants you to invest in a well-diversified portfolio of mutual funds."

Don't they know the market has changed? Don't they know the global economy is contracting, not expanding? Don't they know their advice is bad regardless of whether the market is expanding or contracting? Doesn't the general public realize that most financial "experts" are not professional investors? They're either sales people or journalists -- people who earn money via commissions or a paycheck. And even the people running our biggest investment banks -- or what use to be investment banks -- are compensated via commissions or a paycheck. They are not investors. They are employees working for banks.

So my advice is, be very careful whom you take financial advice from -- and that includes me. My guidance, after all, does not work for 80 percent of the people. My suggestions are not right for those who work for a paycheck or for commissions, nor do they work for those who save money in the bank or a retirement account.

The Right Advice for the Right Audience

My advice is for people who are entrepreneurs or professional investors. I have had a "real" job for only four years of my life, which means I only collected a traditional paycheck for that very short period of time. I do not have a retirement account. If my businesses or my investments are not profitable, then I don't eat. And I like to eat.

I chose to live my life this way because this financial lifestyle keeps me honest. It also keeps me wary and very suspicious of financial experts who offer inane advice. I personally cannot live on such advice. My businesses and investments need to be profitable monthly and pay me monthly, regardless of whether the economy is expanding or contracting.

I don't live in some fairytale world with the hope that the markets will right themselves in five years. I don't keep putting money into a losing venture such as a retirement plan filled with stocks, bonds, and mutual funds. I do not live on false promises. I cannot afford to live on bad advice.

Some Serious Questions

My questions to financial journalists and others who are doling out poor counsel: "What if your advice is wrong in five years? What happens if the markets don't come back? What happens if the markets just stay flat or crash even further? What happens if the markets recover and then crash when the person following your advice is in their late eighties?"

My advice for those seeking financial advice: Look for investments that pay you monthly or quarterly, regardless of whether the markets are up or down or whether the economy is expanding or contracting. Stop listening to those pseudo financial experts with crystal balls and journalism degrees.

The following are tidbits of information to keep in mind as you consider your financial options:

1. I learned my investment philosophy at the age of nine by playing Monopoly. In the game, if I had one green house, I was paid $8. If I had two green houses, then I was paid $16.

I began playing Monopoly for real when I was 26 years old. Today my wife and I have approximately 1,400 little green houses -- each paying us monthly. You do not have to be a rocket scientist or have a Harvard degree to play Monopoly for real. Today's depressed real estate market is the best time to start buying little green houses, even if credit is tight.

In 1987 the stock market crashed. That crash was followed by the crash of the Savings and Loan industry. Those two crashes led to the crash of the real estate market. The economy stayed down from 1987 to 1995. Even though my wife and I were strapped for cash and bankers did not want to lend to small investors, we found ways of putting deals together by using seller financing and creative financing, or simply taking over properties that the bank did not want on its books.

Most financial experts discourage people from doing what I do. They often say that it is risky -- and it certainly can be. But, in my opinion, following their advice of putting money into a savings account and investing in a 401(K) is even riskier in this volatile economy.

2. Today, as the economy is contracting, cash is king. Yet because the Federal Reserve is printing trillions of Monopoly dollars in order to stop deflation, in a few years we could see a hyperinflationary period. Hyperinflation will wipe out the value of a saver's holdings and eventually destroy most mutual funds as the government begins to raise interest rates in an attempt to stem inflation. In a hyperinflationary period, gold and silver will be king.

3. I am not actually recommending gold, silver, or real estate. Assets do not make you rich. Assets can make you poor if you are not careful. In 1980 gold and silver hit all-time highs, gold hitting $800 an ounce and silver $50 an ounce. So the suckers jumped in and were slaughtered. The same thing happened with real estate in 2004.

If you do not know what you are doing, no asset can make you rich. Ultimately, what makes you rich is your financial intelligence. Your greatest asset is your brain -- so take care of it and protect it from bad advice.

tan81

谢谢你。如果回答满意或可以相信，我会选择买回。
中东的产品主要是奶粉。就是Ｎｅｓｐｒａｙ　的Ｐｒｏｄｕｃｔｓ。

tan81

身为霹雳的选民，看到议会要在树下开会，实在令人心痛。

国阵的做法，实在令人不齿。越做越错。

tan81

富爸爸继续向退休基金开炮。
最后一段，依然是苦口婆心的劝告。
可是又有多少人会听？　

Mr.Business

我看好的股票有大众，Bursa，LPI，JOBST。

可能因为便宜而买的股票有IOI，IJM，IJM Land和SP Setia。

觉得也许可以投机的有IJM Land－WA, SPSETIA-WB。

不过买进点很重要，现在不建议入市。

Mr.Business

Bursa下次有机会还是要买的，不过现在就不要动她了。我之前看到有人称OSK是好股，是我的话，要买就买Bursa，不会买OSK的。

Mr.Business

时候未到嘛。

如果最近10年的全球经济发展都是靠美国人的借贷消费。那现在美国人已经不能靠房价起来借钱消费，大量需求需要减少，那是不是说大量供应也需要一起减少？？这意味大量公司倒闭，裁员失业。。。在这个情况下我如何能看好股市？

现在我国股市只是靠Umno党选，Najib上任，mini Budget和有心人扶持而已，入市危险。

草根一名

有，，，有唱好的，
前期有 megan ，中期有 bursa ，后期就不知。

ThermoFisher

我好像不曾听过你唱好什么。。。