Long gone are the days of graduating from high school or college, joining up with a company and working there for forty years before retiring and collecting a pension. At some point, you must come to grips with the fact that you will do many different things in life. Jobs will come and go, and our careers may change. But in all those experiences, we will evolve. And as we evolve, so does our life’s purpose and the way we express them.
]]>With this definition, work then includes your health and fitness, your relationships, parenting, personal growth, spirituality, character and leisure, because all these take a lot of work. Your life consists of many different domains of work. Your whole life, then, is your work.
You are not a sectioned being, with one slice of work over here, balanced out with one slice of personal life over there. Instead, you are a whole being, unified. You are a category of one.
Each of us is more than our job or chosen profession. People are not robots, programmed to do one thing. You are fullspectrum and multifaceted creature with many varied interests. Although we may like to believe we were born to do just one thing, or perhaps we’re comfortable with only having one career, the reality is, most of us are hardwired or a handful of activities. Most people have one ‘calling’ or ‘vocation’, but expressed in a variety of ways over a variety of platforms – each supporting and intertwining with the others in interesting and powerful ways.
Long gone are the days of graduating from high school or college, joining up with a company and working there for forty years before retiring and collecting a pension. At some point, you must come to grips with the fact that you will do many different things in life. Jobs will come and go, and our careers may change. But in all those experiences, we will evolve. And as we evolve, so does our life’s purpose and the way we express them.
We should see our entire lives as a work of art – like a symphony. And every aspect of it is represented by the notes, melodies and chords that make up the whole masterpiece.
Hence, our task each day is to always align every part of our lives with that symphony, which is: The highest, truest expression of ourselves as a human being. And it doesn’t mean it has to be full of pain, dread and suffering.
Challenges are inevitable, but if we can start to think of work the same way we think of play, treating it as something we do for pleasure, it could change the world. In essence, the same attitude we have toward the pursuits we enjoy doing, we should also have towards work. This goes on to say that work is not a means to an end. It is the end.
Excerpt from Should I Quit by Christal Asong
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有专家研究显示,人如果可以投入自己喜欢并感兴趣的行业,从中取得的成就往往会更高。因此,如果你因财务自由而拥有机会投入你想涉足的行业,得到一个能够充分发挥你才能的空间,你必然不会变成一个废人,反而是会成为一位成就更加高 的业界菁英、成功人士,对社会做出的贡献可能会更加显著。
]]>在这里,我必须先开诚布公地说一句:不管废人不废人,我在前文所倡导的自由自在模式,是打工仔们梦寐以求的天堂,既然是事实就不需要遮遮掩掩,更没必要自欺欺人。
然而,我所强调的自由自在,其实是对生活素质的追求,并非成为一个废人才有自由自在。有一句名言是这么说的:财务自由不是让你不用做任何事情,而是让你可以选择不做自己不喜欢的事。
这才是重点。大家可以试着回想,平时大家朝九晚五地埋头苦干时,是不是经常感叹,如果有机会选择的话,自己是多么希望可以根据自己的喜好去挑选工作,到时一定能全情投入在自己所钟爱的工作中。然而绝大多数时候,大家都为生活所迫,才硬着头皮扛上现在的工作。不管自己喜不喜欢,大家只能先顾好自己的饭碗要紧。
如果你已经成功达致财务自由了,就不再有这方面的问题。第一,你的饭碗已经获得保障,你的被动收入可以应付你所有的日常开销;第二,你终于可以根据自己的喜好和兴趣去追求自己的梦想。你可以选择创业,也可以做一个自由工作者,甚至成为YouTuber,在自己的领域中创造属于自已的一片新天地。
有专家研究显示,人如果可以投入自己喜欢并感兴趣的行业,从中取得的成就往往会更高。因此,如果你因财务自由而拥有机会投入你想涉足的行业,得到一个能够充分发挥你才能的空间,你必然不会变成一个废人,反而是会成为一位成就更加高 的业界菁英、成功人士,对社会做出的贡献可能会更加显著。
这种情况,在非经济效益性的领域里就会更加明显,比如:文 学、艺术、社会工作等。这些领域虽然无法生产大量的经济效益,但在你不愁三餐又无后顾之忧的情况下,你得以全心全意地去参与、去创作、去经营。到时候,你在有关领域里所取得 的成就,有可能让你跻身一代宗师的权威之列。到时候,谁还敢说你对社会没有贡献呢?
所以,恳请大家重新认识“财务自由”这四个字背后的意义。 至于要不要做一个废人,纯粹是个人的选择,废人和伟人只是一线之差罢了。
摘自《财务自由一本通》吴启聪著
]]>It starts with the birth of an idea, where an entrepreneur has a brilliant idea and creates a new venture. As the business grows, it enters the toddler phase, still figuring out its place in the market and trying to establish itself. Then, it reaches the teenage years, where it starts to gain some traction and find its footing in the industry. Eventually, it reaches adulthood, where it’s established, profitable, and hopefully enjoying some stability.
]]>It starts with the birth of an idea, where an entrepreneur has a brilliant idea and creates a new venture. As the business grows, it enters the toddler phase, still figuring out its place in the market and trying to establish itself. Then, it reaches the teenage years, where it starts to gain some traction and find its footing in the industry. Eventually, it reaches adulthood, where it’s established, profitable, and hopefully enjoying some stability. However, just like how all good things must end, the business life cycle also includes the decline and eventual death phase. But just like how we learn and grow from our experiences, a business can learn and adapt to continue thriving.
Now that we have discussed the business life cycle, let’s talk about the four types of energy: Producer, Entrepreneur, Administrator, and Integrator.
First up, we have the Entrepreneur Energy. These are the folks who have a wild idea, and they’re like, “Hey, I’m going to start a business and make it big! ”They’re the ones who initiate and lead the development of the business and are the driving force behind the start-up phase. They’re like the parents of a newborn baby business; they have the vision and drive to take risks and bring an idea to life.
Next up, we have the Producer Energy. These are the folks who are like, “Alright, let’s get to work and make some stuff!” They’re the ones who work on the business’s day-to-day operations and ensure that the company delivers its promise to its customers. They’re like the older siblings of the business, the ones taking care of the baby, ensuring it is fed and cleaned.
As the business grows, we have the Administrator Energy. Administrators are the ones who organize and make sure everything is running smoothly. They’re responsible for managing the business’s operations and processes, ensuring it complies with laws and regulations. They’re like the cool aunt or uncle of the business, making sure it’s well-behaved and not getting into trouble.
Finally, we have the Integrator Energy when the business reaches the decline phase. These are the folks who are like, “OK, let’s bring everything together and make sure this business is sustainable.” They’re like the wise old grandparents of the business, the ones who help it adapt and evolve to stay relevant and competitive. They’re responsible for bringing together all the different aspects of the business to create a cohesive and sustainable strategy.
Entrepreneur Energy is vital for starting a business, Producer Energy for growing it, Administrator Energy for managing it, and Integrator Energy for sustaining it - these four types of energy each play a crucial role in different stages of the business life cycle. By understanding the role of each type of energy, businesses can better align their strategies and activities with where they are in the business life cycle.
Excerpt from Rules Have Changed by Jonathan Quek
]]>有些公司的股票之所以能成为仙股,也必然有其原因,当中最大原因恐怕就是连续亏损了。持续的亏损使股民对该公司失去信心,不断抛售所持有的股票导致股价跌跌不休。这种前景未明的股票,股价再低也不能视为便宜,因为你永远不知道它还会继续再跌多少巴仙。
]]>股市新手也会因为某些股票的股价很低而觉得很“便宜” ,因此抢着买。让他们觉得便宜的股票,通常是每股一块钱以下的,最低可以去到每股半分钱。比如:Daya,每股 RM 0.005。这类型的股票被称为“仙股”,顾名思义,因为它们是以仙(cent)来计算的。刚才说了,RM 15,000只 可以买Nestle的100股,但同样的金额却可以买Daya的300 万股。如此比较下来,股市新手们自然会认为买Daya比买Nestle来得划算,可以持有更多的股份。
其实股市新手的这种思维和心态并不正确,必须第一时间纠正过来。我只能说,大笨象股未必贵,仙股也未必便 宜。无论是Nestle的100股,还是Daya的300万股,它们实际耗费的成本都一样是RM 15,000,根本没有贵和便宜之 分。所以千万不要被股价迷惑。股价高低是没有意义的, 重点在于股价会不会上涨而已。
有些公司的股票之所以能成为大笨象股,必然有其原因, 其中最大的原因必定是获利稳定。股民对该公司有信心, 股价也随着股民的投资而不断推高,再加上公司本身不拆小股份,所以股价就会越炒越高。Nestle就是这种例子,股价高,但未必贵,重点在于它未来会继续成长。因此, 只要股民对其继续有信心,那么股价也会跟着继续上涨。
有些公司的股票之所以能成为仙股,也必然有其原因,当中最大原因恐怕就是连续亏损了。持续的亏损使股民对该公司失去信心,不断抛售所持有的股票导致股价跌跌不休。这种前景未明的股票,股价再低也不能视为便宜,因为你永远不知道它还会继续再跌多少巴仙。
在此我必须告诉大家,不是所有的仙股都是上述例子那般糟糕的。有些优秀公司的股票也可能是仙股,它们会不断拆小股份,把股票数目变多,从而降低股价并维持在一块钱以下,但通常不会沦落至一毛钱以下。若是看到一毛以下的股票,大家可以直接无视跳过。
最后,我要忠告一句:股票的价钱,永远都没有顶限和底限,没有一支股票会到了百多、两百块钱就要封顶,从此不再上涨;也没有一支股票会到了几分钱就意味着跌到谷底,从此不再下跌。简而言之,股价的上涨和下跌是没有极限的,股价的浮动会一直持续到这支股票退出市场为 止。正因为如此,所有的股市新手一定要打破自己对股价的迷思,以避免错误的心态和认知导致钱财上的损失。
摘自《新手买股一本通》吴启聪著
]]>你会发觉,“系统性风险”和“非系统性风险”永远都处于一个相对的概念,这当中就是以『外部/内在』作为区分。而且你会发现,越想要降低非系统性风险,每 一笔投资金额就会越分散,整体投资回报率也就越和整 体系统性风险相匹配。延续上述的油气股例子,当你把所有马来西亚油气股都买一遍后,最终得到的回报率就是马来西亚油气行业的平均回报率,因为风险对应的是回报。
]]>要解答这道问题之前,我们就要明白投资风险主要分为两种:
什么是“系统性风险”?我打个比方,假设你一觉醒来发现自己变成一个苹果手机里的手机应用程序,那么你所身处的系统就是iOS。如果iOS出了什么问题,例如黑客骇入手机程序漏洞而导致整部手机关闭或者死机,这就是系统性风险,也是你这个“应用程序”所需要面对的风险。
只要你还是iOS系统里的手机应用程序,你是无法脱离这个系统性风险,除非你能够从手机跳脱出来并逃离去一部安卓手机里。但是进入了安卓手机,你的系统性风险 就会从iOS转变成安卓系统。
换言之,系统性风险是避无可避,它存在于不同环境里。当新闻或者一些研究报告提到“系统性风险”一词时都是指一些你我都无法幸免的大规模风险。
回到投资。你投资马来西亚股市,那么你就自动嵌入马来西亚股市的系统里,如果交易所系统被过高的交易量弄到瘫痪而无法交易、疫情冲击而导致政府决定封城、 首相拉肚子等等风险,你都无法逃避,就连想用“分散 投资”也无能为力。
因此,分散投资只是对非系统性风险有效。举例来说, 你投资马来西亚油气股,那么你所承受的系统性风险就是油气行业的周期循环,也就是Petronas的发展计划和 国际原油价格前景。不管你买一只或买很多只本地油气股,你都无法避开系统性风险。而个别公司在油气行业里所身处的产业链,管理层素质,公司财务状况等等则 是“非系统性风险”。
如果你投资身处上游的A公司,要是油气业现在是下游行业的回报率比较好,那么你就错失一个机会;如果你投资身处下游的B公司,但是他们的管理素质很差,工程常常超支而导致亏损,你也只好暗锤;如果你选了身处下游的C公司,管理素质非常优秀,但是他们的财务管理过于保守,可能就错过了某些扩展生意版图的机会。总之,各个公司都给你带来不同烦恼和风险,这就是“非系统性风险”。如果你要降低非系统性风险,那么就需要把整个油气行业上下游的公司股票都买一遍。
我们从马来西亚油气股往上看,如果你投资马来西亚股市而又要降低非系统性风险,就需要把各行各业的股票都买一遍,不能受到单一行业的股票走势所影响。如果你投资马来西亚市场,要降低非系统性风险则需把马来西亚的股票、债券、房产等投资工具都买一遍,以此类推。
你会发觉,“系统性风险”和“非系统性风险”永远都处于一个相对的概念,这当中就是以『外部/内在』作为区分。而且你会发现,越想要降低非系统性风险,每 一笔投资金额就会越分散,整体投资回报率也就越和整 体系统性风险相匹配。延续上述的油气股例子,当你把所有马来西亚油气股都买一遍后,最终得到的回报率就是马来西亚油气行业的平均回报率,因为风险对应的是回报。
摘自《钱往何方》黄子伦著
]]>I find Daniel and we take our picture: the two-man minimalist team. I may have been physically alone for most of the race’s 250km, but really that was quality time spent getting to know my true self. It was many miles and moments of connecting with the spirit of barefoot running, which courses through a few crazy runners in the world, and which I now know has always lived inside of me as well.
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At first my steps are tentative, each a test of the calf. So far so good. A little farther and still no pain. Could it really be? Is the nightmare of running MdS injured finally over? I dig my five-toed shoes into the sand and break into a sprint and, yes! No pain. No tightness. Just freedom. On and on I run. I can’t stop. It’s too satisfying a feeling to even think about stepping off the gas. All of the frustration I’d felt during the first days of the race turns to rocket fuel, propelling me through dry river beds, over towering sand dunes, and all the way to finish line of the 25th edition of the mighty Marathon des Sables.
The race’s founder, Patrick Bauer, is on hand to distribute the finishers’ medals. I bow my head for him to place the ribbon around my neck, and catch another glimpse of my Vibram Five Fingers shoes. Finishing the MdS at all would have been a dream come true. Doing so after overcoming an injury would have been an epic challenge to be proud of. But having done both while embracing my true running identity for the first time in a race of this caliber is a sweeter feeling than I could ever have imagined.
I find Daniel and we take our picture: the two-man minimalist team. I may have been physically alone for most of the race’s 250km, but really that was quality time spent getting to know my true self. It was many miles and moments of connecting with the spirit of barefoot running, which courses through a few crazy runners in the world, and which I now know has always lived inside of me as well.
Excerpt from Going Beyond The Wall by Ultrarunner Ng Seow Kong
]]>还看今朝,疫情后的经济管理该吸取什么样的教训?疫情期间受创最微、转身最快的企业正好是提升数码装备最迅速的企业,所以是加快企业数码转型的脚步?也许吧。还是巩固针对人民的福利支出,优化其传导机制为上上策?也没错。 之所以经济没有崩溃,社会没有动荡,复苏没有受阻,一系列的经济纾困计划,本来就居功不少。
]]>虽然疫情已经是过去式,但或多或少总会影响经济发展的轨迹。
回顾历史,公共债务危机的烂摊子促使公共机构的私营化, 因为私营化需要外资的参与,国内资本市场也顺势搭上于90年代初兴起的全球资本市场自由化的列车;亚洲金融危机改变货币当局对汇率波动的态度,往后不再执着于令吉兑美元汇率的伪稳定,也推动马币债券市场的发展;全球大衰退催化经贸及投资对象的多元化努力,带动美元独霸国际储备货币的深思。
还看今朝,疫情后的经济管理该吸取什么样的教训?疫情期间受创最微、转身最快的企业正好是提升数码装备最迅速的企业,所以是加快企业数码转型的脚步?也许吧。还是巩固针对人民的福利支出,优化其传导机制为上上策?也没错。 之所以经济没有崩溃,社会没有动荡,复苏没有受阻,一系列的经济纾困计划,本来就居功不少。
然在回顾及修订我写过的相关篇章当中,我察觉疫情管控仿若一记警钟,敲响我们应对未来尾事件(也就是不太可能会发生,一旦发生,后果极其严重的事件)的基本态度,那就是动态宏观经济管理的时间连贯性。
这套理论源自于芬恩·基德兰德(Finn Kydland)和爱德华·普雷斯科特(Edward Prescott)在1977年发表的一 篇经典文章,强调货币政策的时间连贯性对控制通货膨胀的关键性作用。此文为二人在2004年荣获经济学诺贝尔奖。
个中道理其实很简单。假设在通膨升高的压力下,央行表示将升息,但坚持货币政策是灵活的,并酌情决定 (discretion),经济一旦出现红色讯号,央行会马上U转降息。这看似合乎情理的政策声明却缺乏时间连贯性,注定是要以失败告终,因为市场会形成政策随时U转的预期,既然会U转,市场何须闻风起舞。结果,由市场决定的长期利息不会随着政策利息上调而升高,利息也就失去影响商业投资及消费的杠杆,无法压制通膨。
这也解释了为何全球央行都会设定通膨目标,也常在政策声明中表现一种不把通膨压平誓不罢休的态度,这就是一以贯之的政策承诺(commitment)。
从这个视角看疫情管控,行动限制就像是好意但善变的措施,而疫苗接种便像一诺千金的决策。管控令随着确诊病例 的起伏而时紧时松,结果管控令比疫情传播本身更伤经济。 相反的,一旦疫苗接种到位,哪怕疫情没少反复,每日仍有过千病例,经济依然逐步开放而不倒退。
未来肯定少不了疫情的另一轮爆发,也免不了气候变化和大国竞争所可能带来的产业断链及粮食供应短缺等尾事件,我们该如何以“不变”(的政策承诺)应万变(的不确定性)?
摘自《浮世解》黃錦榮博士著
]]>Most of them pick up the habit from the people who speak around them and influence them, especially in certain movies, reality shows, and social media. Besides that, children's attitude most of the time is based on their parents' behaviour and habits at home and followed by teachers and friends in school. These places are the two common grounds for them to practice and learn from the adults. They can pick up profanity immediately and replicate it without knowing the actual meaning, and therefore do not realise that they could be hurting someone by saying such words.
]]>However, I have come to realise that these days, out of 10 people, probably about 7 or 8 of them use profanity while talking or cursing at someone, so much so that it has become a language of the norm. Even the young ones are using them now, but I cannot blame them.
Most of them pick up the habit from the people who speak around them and influence them, especially in certain movies, reality shows, and social media. Besides that, children's attitude most of the time is based on their parents' behaviour and habits at home and followed by teachers and friends in school. These places are the two common grounds for them to practice and learn from the adults. They can pick up profanity immediately and replicate it without knowing the actual meaning, and therefore do not realise that they could be hurting someone by saying such words.
I am a father now, practising with my children to do the same as my father did to me. Everything starts from home, from what we do to what we say, to how we treat others, the choice of words we use, and so on. I sometimes cuss the word “sh**” which safe to say, is commonly used by many people but I feel horrible after using it. If my wife or I happen to say it in front of my children, both of us will immediately rectify and reason with them on why that was not the right choice of word, especially to my son who is at an age where he can pick up words easily.
I make sure I play a good role model to teach and guide my children with their choice of words, on using any words that can be hurtful to themselves and others. We can teach them to avoid using any words that can be hurtful to themselves and others. Although at the end of the day, as they grow into teenagers and adults, their choice of words will be up to them, this simple practice from a young age is sure to stick around. It did with my siblings and I, thanks to my father.
Excerpt from Father Loves You by Anthony Sabastian
]]>Remember, the stock market is a place full of emotions. When everyone is pessimistic, stocks get undervalued. When everyone is optimistic, stocks get overvalued. Pessimism and optimism are random events, hence, we should learn how to read the market sentiment before deciding on our investment actions.
]]>The good news is – It did not take too long for the price to move to MYR2.00 after I bought it. Adding the distribution income (similar to dividend pay-out), my investment return is now better than I expected.
Yup. To no one’s surprise, I did nothing until the Covid-19 pandemic became a concern.
Due to the Covid-19 pandemic and Movement Control Order (MCO) implemented by the Malaysian government, all shopping malls’ daily operations must stop, except for essential businesses. Mall operators acted quickly by waiving their tenants’ rental. Hence, all mall operators are losing their rental income, car parking income, exhibition income, profit sharing, and other sources of income. Hence, the price of IGB REIT fell. After revisiting my investment thesis, I concluded that it would take quite some time for IGB REIT to recover during this time of great uncertainty. I decided to close my position. All profits and dividends were wiped out.
In fact, there were opportunities for me to exit with a decent return before MCO was implemented (at least twice) but I just let them go. Perhaps I fell in love with the stock, but essentially, my losses were due to my high entry point.
Given that high entry point, the upside potential is limited. Therefore, when the share price is neither high nor low, people tend to hang on longer than expected and hope that the market magically pushes the share price to a higher level. However, this is a low-probability incident.
If my entry point is sufficiently low, I can stay away from this kind of dilemma, take profit, and stop dreaming that someone would come to the rescue with their own money.
Remember, the stock market is a place full of emotions. When everyone is pessimistic, stocks get undervalued. When everyone is optimistic, stocks get overvalued. Pessimism and optimism are random events, hence, we should learn how to read the market sentiment before deciding on our investment actions.
When you enter at the time everyone is sorrowful, you need everyone to calm down.
When you enter at the time everyone calmed down, you need them to be optimistic.
When you enter at the time everyone is optimistic, you need them to be insane.
When you enter at the time everyone is insane, you need them to be high.
In other words, when you enter at a low price, you have the upper hand. You can choose to exit when the market calms down, turns optimistic, insane, or high. The choice is yours now. Notwithstanding, if you enter at the wrong time, your exit options are limited and there will be larger uncertainties.
Hence, stop focusing on profit-taking, put more effort into getting a low entry point that is more realistic.
Your profit is determined by your entry point!
Excerpt from The Hidden Truth of Stock Market by Ng Tzyy Loon
]]>What exactly is possible with the metaverse? Well, to start, businesses will be able to create user experiences that are far more immersive than what is possible on web platforms today.
The user experience will be more realistic, and therefore more engaging. This will have a profound effect on how brands interact with their customers and audiences. With new technology such as haptic feedback gloves, users will be able to interact with digital objects in a way that feels natural and realistic.
]]>The user experience will be more realistic, and therefore more engaging. This will have a profound effect on how brands interact with their customers and audiences. With new technology such as haptic feedback gloves, users will be able to interact with digital objects in a way that feels natural and realistic.
Imagine being able to feel the fabric of a dress as you are browsing an online store or being able to test drive a car before you buy it. These are just some of the possibilities that will be available in the metaverse.
In addition to this, businesses will also be able to track user data far more effectively than they can on web platforms today. This data will be used to create more targeted and personalised user experiences.
For example, if a user is interested in a particular product, they may be served ads for that product the next time they log into the metaverse. This data-driven approach to the user experience will be a major selling point for businesses.
Meta (formally Facebook) has been working on a project called Facebook Horizon which is set to bring many of these features to the metaverse. This social media giant planned to invest $10 billion into its metaverse technologies back in 2021. It’s clear that they see the potential for user engagement in the metaverse.
Meta’s (Facebook) Ray-Ban Stories are another addition to the user experience that will be another step towards a complete immersion into the metaverse. It is only a matter of time until these technologies become mainstream and brands need to start developing a strategy to utilise the metaverse for user engagement.
Excerpt from Metaverse by Jason Low
]]>世间上并不存在两全其美的事情,即使是锋利且拥有破军能力的 武器,也拥有其短缺之处。以狙击步枪为例:尽管它能够以极高 的精确度从远距离射击,但其缺点却是机型重量极大(移动性上 造成不便),并且只有在特定情况下才能使它发挥效益。正因如 此,技术分析也有其相对的短缺;庆幸的是其缺点清晰可见,且 很容易识别的。只要读者们懂得如何识别它们,技术分析就将会 在您行远升高的历程里,为您带来巨大的收获。
]]>......
人,本是独立的个体,对于事物的看法不时会有所出入。基于 技术分析亦是相当主观的一门学问,于是它极具极高的争议 性。在某些时候,基于一些交易员很有可能会将一个图表形态 分析为『假突破』;相反的,另一部分的交易员则会视其为 『完美突破』(突破一题将在本书密切讨论)。不仅如此, 一名交易员在分析蜡烛图表之时经常替换其图表,亦会导致 交易结果产生不利的影响。例如:在其中一个时间框架内,通 过技术分析验证了当下是一个执行交易的信号,这些信号我将 称之为“噪音”。面对此现象之时,我们只能在较高的时间框 架上,验证其信号的准确性。要是读者们经常在较小的时间框 架内执行技术分析,那么您很难以极高的精准度来获取长线交 易的入场信号(交易员类型应用的时间框架类别,将在“第五 章:交易员类型”进行解读)。话虽如此,若交易员通过增加 使用技术指标的次数,他还是可以提高其交易的准确度的。尽 管使用技术指标以提高入场点的准确度,听起来像极了“灵丹 妙药”,但它也大大地减少了交易信号的场次,而且其中也隐 藏了不为人知的“陷坑”。
......
同是一个装了半杯水的玻璃杯,可被前者视为“还有一半的杯子 是空的”;反之,后者却可以描述“杯子为被装满了一半”。 倘若我们将此定律化作为视角的基准点,那么它将可以很贴切地 描述技术分析的法则。惟其如此,若两者以完全雷同的知识以 执行技术分析所获得的结果,前者与后者随后萌生两极化的诠释 方式,也是很正常的。最有趣的是,这些抱有不同看法的交易 员,都各带有一套符合逻辑且十足的解释以论证自身的论点。况且,无论是理论或是逻辑之上,两者的解释都是没有错的。如此 一来,技术分析师必须了解投资界里并没有100%准确的分析结 果。即便各位技术分析师同时使用一致的交易技能以进行技术分 析,彼此的观点也会因此出现偏差与碰撞。
摘自《交易背后的操盘手》萧俊杰著
]]>What is your first response when you get a new task from your boss? Do you ask your boss, "When do you need this completed?" Every task has its timeline and I believe you have more than just one job on hand. Hence, when your boss hands you a new task, the most important thing to do is to readjust the priority of all your tasks. If you don’t know when your boss expects the task to be completed, how are you going to adjust the work pace for your team?
]]>Sometimes your boss might suddenly think of something that has yet to be completed and tells you to do it when you have the time. Now, let’s say you really put this task at the end of your to-do list. Days later when your boss asks you about the progress of that particular task, are you going to tell him, "I still haven’t got the time. Didn’t you say to do it only when I have the time?" I believe your boss's response to your reply is to wish he has assigned the task to another manager since you are too occupied with other work. Eventually, your boss may think that you are not productive and efficient.
If you have questions for the task assigned to you, all you need to do is to ask your boss about the desired result and objective. Most bosses will be happy to give you more information. When you are clear about the objective of the task, you’ll be able to understand the big picture and produce good results.
Always remember to maintain a humble, respectful and trusting attitude when you ask about the task given to you. If your boss is the "Just to as I say" type of person, you have to use a softer approach. Always let your boss understand that your intention (of asking for more information) is to produce the best results.
As for your subordinates, help them to understand the reason for doing the task given so that they will see how the company operates. It will also boost their morale and give them a sense of ownership of the task.
Excerpt from The Art of Position by Datuk Stella Chin
]]>To this day, Dr Soo Kim Lan’s passage across the 1910s, persist in bringing to the fore, the message that anyone can triumph over personal challenges, apparent failures and discouragement, through personal choice and courage.
We can always choose to see that challenges are not meant to destroy or deprive us in any way, but to spur and strengthen us to achieve ever greater feats for the greater good of everyone in our lives.
]]>......
Dr Soo Kim Lan’s devotion to spend her life in service of the welfare of her community from the onset of her early twenties, is evinced from the preceding articles. These news articles further reveal a profound testimony: as individuals, we are each capable of rising above personal troubles to help lighten the burden of others, regardless of our circumstances. All through the loss of her parents, uncertainties of the first world war, untold trials and trauma heightened by the deaths of her elder sister and maternal grandmother, she revealed a lesson in times of suffering: One may choose to grow bitter, or better and stronger with courage and compassion.
To this day, Dr Soo Kim Lan’s passage across the 1910s, persist in bringing to the fore, the message that anyone can triumph over personal challenges, apparent failures and discouragement, through personal choice and courage.
We can always choose to see that challenges are not meant to destroy or deprive us in any way, but to spur and strengthen us to achieve ever greater feats for the greater good of everyone in our lives.
Excerpt from Malaya's Grand Lady of Medicine by Jacquelyn Soo, PhD
]]>As you are trading in Malaysia which is your own country, you have the home ground advantage as compared to foreign investors. You will have better understanding of the domestic political and economic environment and its impact to the markets. For example, when the government announces the MRT project, you would know what companies are likely to be the beneficiaries and the impact to the stock price.
]]>You will be using the home currency, which is Ringgit Malaysia in the Malaysian markets. This will eliminate currency risk and your exposure to the volatility of foreign exchange rate.
As you are trading in Malaysia which is your own country, you have the home ground advantage as compared to foreign investors. You will have better understanding of the domestic political and economic environment and its impact to the markets. For example, when the government announces the MRT project, you would know what companies are likely to be the beneficiaries and the impact to the stock price.
You will have easy access to news and updates in the local market as the market developments are widely reported in the newspaper dailies, financial periodicals and various websites. Apart from that, you will be able to attend Annual General Meetings for the stocks that you own and meet up with company management on these events.
As you are trading in Malaysia, the trading hours will be during the day time. Therefore, you do not need to sacrifice your sleep at night to monitor the markets. For example, if you are trading in the US markets, you may need to stay up late into night to monitor and trade the markets.
Excerpt from Jumpstart In Stocks and Futures Trading by Choong Ty'ng Ty'ng
]]>A profession that was alien during the mid-’80s. Nevertheless, I trusted my mentor who had my interest at heart as I was his most loyal student. My dream had always been to be like my master, to become an My Life Journey: The Rugged Walk 20 artist. I asked, “Why be an interior designer and not an artist?” And I remembered his words until today, “to become an artist, you need to be famous and that’s the only way you can survive”. It took me a long while to understand the reason behind it.
]]>As a full-time apprentice, most of my time was dedicated to working at the architect firm. I was paid RM150 per month. I was comfortably and happily working there, until my master Mr Phoon told me to pursue a course as an interior designer... Interior Designer?
A profession that was alien during the mid-’80s. Nevertheless, I trusted my mentor who had my interest at heart as I was his most loyal student. My dream had always been to be like my master, to become an My Life Journey: The Rugged Walk 20 artist. I asked, “Why be an interior designer and not an artist?” And I remembered his words until today, “to become an artist, you need to be famous and that’s the only way you can survive”. It took me a long while to understand the reason behind it.
Later on, I found out that my father hadn’t been paying fees for my art class. It had been going on for several years. Yet my art master continued to teach me because I was a good student. I was not informed back then, but I appreciate the support and advice given to me.
The answer to his suggestion lies in the fact that my family’s business was failing, and the only way closest to art that is feasible in a way I can be of good use is to explore interior design.
I could not have become an architect then unless I pursued an architecture course. In the back of my head, I knew my results at school would have not qualified me to enrol in the course, and thus, interior design was the only option.
Excerpt from The Rugged Walk by Ed Mun
]]>
我们每个人在过去累积的个人品牌和粉丝,都能通过直播和互联网被无限的放大。以前的老板和企业家是不愿意做直播带货的,而现在放眼望去,所有的大企业家都在参与直播,甚至还很多人还以身作则带头直播。我们耳熟能详的雷军、马云、董明珠,这些商界大佬们都站出来,成为了企业直播的主播。不得不说,老板不容易干,能说还要能卖。
]]>首先,为什么要选择直播?个人的IP已成了这个变化快速的时代的一个符号。过去,我们购买产品,是看了宣传广告,有了认知,然后购买。但现在这个流程似乎太慢了。
其次,我们每个人在过去累积的个人品牌和粉丝,都能通过直播和互联网被无限的放大。以前的老板和企业家是不愿意做直播带货的,而现在放眼望去,所有的大企业家都在参与直播,甚至还很多人还以身作则带头直播。我们耳熟能详的雷军、马云、董明珠,这些商界大佬们都站出来,成为了企业直播的主播。不得不说,老板不容易干,能说还要能卖。
首先,我认为直播营销是一个趋势。如果是以客户为中心,那么客户在哪里呢?客户在网上,客户在手机里。我们在网上有店吗?答案是没有的。如何能够让客户感觉到我们在疫情期间还活着呢?如何能够及时服务好疫情下的客户呢?如何能够让有需要的客户第一时间找到我们呢?我想通过直播模式是最好的。简而言之,直播第一个优势,就是能够快速有效的服务现在的客户。
第二,可以用最低的成本开发潜在客户。以前,通过投资很多广告成本,来寻找我们的潜在客户;现在,只需要在网上开启直播,低成本高成效。比如说,我们有一位客户,在一个小时的直播就收入了3万块,这个数字是他过去半个月的营销收入。很快的他就喜欢上了自己的直播,并不断的完善。值得提醒的是,直播是每天进步的修炼。
第三,是量大。过去,我们想让100个客户走进我们的店里是非常困难的事情。但是现在一场直播,如果收看的观众有2000人,这就等于有2000个人从你门前经过,而你并没有花一分钱的广告费!我们要做的就是不断的更新我们的专业度,提升我们吸引粉丝的能力,改善引流和转化业绩的能力。
我们最缺的是信念,是改变的勇气。大家不要忘记,直播是一个工具和方法,如果没有心法,方法就没有什么太大的效果。我们是通过直播,传播公司的文化理念和做人的品格,所以我们必须学习直播的技能,同时不断的精进自己的理念。
直播是一个趋势,让我们把直播营销当成是一种修炼和磨练,就跟当年我们使用没有键盘的手机一样。 一个真正的勇敢者,面对新的事物,我们唯一的选择就是学习和进步。疫情让我们变得更坚定,疫情让我们变得更坚强。
摘自《新常态下 弯道超车》郑秉吉&邵淑萍著
]]>在这紧要关头,我必须时刻提醒自己,我的每一个动作,都将拉近我和河流对岸的距离,就我眼界能及的距离,那对岸起码还在 200米开外,无论我怎么努力逆流向前移动,感觉上那大河彼岸 仍然是同样的遥远,似乎有某种超自然的海市蜃楼在吊着我的胃 口一样,这么近却又那么遥远。 我右手抓紧着绳索,左手抓着背包,万一不小心松了手,湍急的水流就会将装满粮食装备的背包冲走,而我也不知将会被冲往下游的什么地方。水流的压力压迫着我疼痛的左肩,要我一直这样紧抓着绳索和背包还真不简单。
]]>我边游动边拉扯着这条横跨亚马逊丛林支流的绳索,这几句话是 心中不停在念着的咒语。“再多一个伸展,再多一次向后划水, 再往前扯一下绳索,我就能更靠近河流对岸的陆地和郁郁葱葱的 丛林了……”
在这紧要关头,我必须时刻提醒自己,我的每一个动作,都将拉近我和河流对岸的距离,就我眼界能及的距离,那对岸起码还在200米开外,无论我怎么努力逆流向前移动,感觉上那大河彼岸仍然是同样的遥远,似乎有某种超自然的海市蜃楼在吊着我的胃口一样,这么近却又那么遥远。 我右手抓紧着绳索,左手抓着背包,万一不小心松了手,湍急的水流就会将装满粮食装备的背包冲走,而我也不知将会被冲往下游的什么地方。水流的压力压迫着我疼痛的左肩,要我一直这样紧抓着绳索和背包还真不简单。
从一开始,我就知道这亚马逊丛林马拉松将会是一场异常艰辛的赛事,甚至是我跑步生涯中综合难度最高的一场比赛,即使到了今天,被问及那个赛事是我感觉最难的,我总会那么回答:“试想想,七天内在亚马逊丛林里奔跑200公里,而在这七天里必须完全自给自足,背负七天的粮食、饮用水、吊床、医护用品、洗刷用品、便携式火炉和酒精燃料块(选手自己负责烧饭)和其他个人用品等等……” 然而,赛事的高难度对我来说不是主要问题,说到底,我就是为了挑战高难度的赛事才来到这里,艰苦,一直是我寻找下一个挑战赛事的基本条件啊!
......
在丛林里,沉重的背包是烦人的累赘,但在水里,它更可能有着威胁性的危险,本来就不轻的背包,怎么现在感觉要沉重了不止 一倍,等到我手拎着背包上岸时,才发现包裹着背包防水层不知何时被扯破了,整个背包渗入了河水!四肢健全的我,背着它跑起来也感到非常吃力,更何况此刻的左肩还在隐隐作痛,接下来的只能是折磨身心的艰苦路程了。
在这之后的几天里,左肩残留的疼痛并没有阻止我穿越沼泽和黄蜂窝,也没有阻断我这三天完成近百公里的路。我来到了这亚马逊的支流,欣赏亚马逊丛林那令人窒息的美丽——稀有的植物、 蹦跳的猴子和色彩斑斓的蝴蝶——我绝对不会让它阻止我渡过眼前这条200米宽的大河。
“来吧,少刚”我忍着疼痛,皱眉蹙额的往前游动,“再往前一 点,再往前那么一点点。”
摘自《心墙的探索——野性难驯》吴少刚著
]]>国家领导人往往都是掌握庞大的资源,然而某些企业主为了商业利益,也会与政治人物保持密切关系,以利其获得资源的分 配。一些与建筑、汽油和医疗有关的上市公司为了能够在政府资源中分一杯羹,自然而然地也会被灌上了浓重的政治色彩。
]]>政治的动荡也让我国出现政治概念股,主要可以归因于当权者 的朋党资本主义及恩庇侍从的关系。朋党资本主义是指企业与 政府关系密切,促成官商勾结的环境。
国家领导人往往都是掌握庞大的资源,然而某些企业主为了商业利益,也会与政治人物保持密切关系,以利其获得资源的分 配。一些与建筑、汽油和医疗有关的上市公司为了能够在政府资源中分一杯羹,自然而然地也会被灌上了浓重的政治色彩。
一些公司的绩效往往需要靠大型政府合约才能运营。单凭509 马来西亚史无前例的政权更迭,一些股票价格的暴跌表明政 治确实对一些企业的业绩与盈利潜力和股价走势有着密切的 关系。
另外,政治家和立法者们的任何决策也可能间接地影响股市业 绩。例如,一次性的税收(2022年繁荣税,Cukai Makmur)、税务改革、额外的一次性补贴、税收优惠和大型基础设施项计划等等,这一些决策都可能影响某些公司集团未来盈利的走向。
当然,政局动荡对股市的长期影响不大,除非是政策和税务的改变,才会影响公司的盈利和价值。政治动荡不稳的影响 多少属于情绪问题,与政治无关的股票,基本面是不会轻易动摇的。
Even low-cost airlines themselves do not always succeed. More than a dozen low-cost airlines were shut down in 2008 during the global economic meltdown. These shutdowns demonstrated the hypothesis that not every airline gets it right and that the low-cost carrier business model is not as simple as it appears. The low-cost carrier business model requires discipline and tenacity to implement.
]]>Even low-cost airlines themselves do not always succeed. More than a dozen low-cost airlines were shut down in 2008 during the global economic meltdown. These shutdowns demonstrated the hypothesis that not every airline gets it right and that the low-cost carrier business model is not as simple as it appears. The low-cost carrier business model requires discipline and tenacity to implement.
So, what exactly did AirAsia do right? What works in contributing its tremendous success? We will look at several factors covered in our first book, The AirAsia Story as well as uncover a few more innovative business practices which worked for AirAsia in recent years.
We chose to make Tony the number one factor for AirAsia’s profitable business model because we believe that AirAsia would not have been able to implement its aggressive business model without Tony’s doggedness in pushing for what’s best for AirAsia.
His tenacity in pursuing various channels including the media when governments turned a deaf ear on him is extremely admirable. He goes out of his way and does everything possible to ensure he gets what he wants for AirAsia. His personal credo is, “Believe the unbelievable. Dream the impossible. Never take ‘no’ for an answer”.
Tony believed that people were the greatest asset to an organisation. On building human capital, Tony confessed that he hires people with the right attitude then gives them opportunities to earn promotions. He also believes in planning for succession and that bosses should leave and give space for a new person to take over.
If you thought that the third key factor would be the low-cost carrier business model itself, you are sadly mistaken. The business model itself can only do so much, it is the discipline in maintaining the LCC business model relentlessly that truly marks the success of a LCC.
The LCC business model is characterised by the following key components: high aircraft utilisation, no frills, streamlined operations, secondary airports, point-to-point network and a lean distribution system.
These are the key components to a successful LCC business model – all of which not work successfully without the resilience and uncompromising discipiline to deliver these LCC principles.
During the global economic meltdown in 2008, AirAsia stunned the public when it increased flights, added routes and boosted capital investment when other airlines had cut back, shed jobs and grounded planes. Tony was quoted as saying that they would not sacrifice long-term growth for short-term profits.
AirAsia has built a reputation of keeping an iron grip on costs and paying attention to details. Tony believed that every LCC can do whatever it wants with fares, but without the right cost structure, the LCC will definitely lose money. The right revenue structure needs to be matched with an equivalent cost structure.
Extracted from The AirAsia Story 2 by Chin Pei Ling.
]]>Li is definitely not nouveau riche. One of the reasons he is respected and loved by the people, especially the Chinese, is his inspirational self-made success despite the turbulent times he was born in, and his humility and generosity despite his massive wealth.
]]>On July 7, 1937, the Second Sino-Japanese War broke out. In 1938, the Japanese bombed Chaozhou, Guangdong, the birthplace of Li. The following June, the then 12-year-old Li and his parents and two siblings fled their homeland. They arrived in Hong Kong and sought refuge with their relatives (Li’s uncle).
At that time, Hong Kong was under the Japanese occupation. The Li family faced a hard life in Hong Kong as the economy had collapsed under the Japanese occupation. In 1942, Li’s mother returned to Chaozhou with his younger brother and sister, while Li and his father stayed in Hong Kong to make a living
Like a sad and tragic tale, Li’s overworked father soon developed tuberculosis, considered as devastating as cancer today.
“Watching movies was very cheap at that time, but i needed to save every penny. My father had tuberculosis and was hospitalised at the beginning of the Japanese occupation. The hospital fee was not much, but you had to pay for the medicine.
“Because of my father’s tuberculosis, I got some old books on treating tuberculosis and taking care of tuberculosis patients. It would have been better if I hadn’t bought those books. I was only 13 and the books scared me to death as I had all the symptoms,” Li recalled.
The young Li suffered a milder bout but overcame it, thanks to the knowledge gleaned from the books, which suggested ways to overcome tuberculosis through a change in dietary and lifestyle habits. Unfortunately, Li’s father was already at the severe stage and with scant medical treatment, he passed away in 1943. Li was only 14.
“The day before my father died, instead of saying something to me, he asked if I had anything to say to him. It was truly very sad. But I comforted him and confidently told him, ‘Our family will have a good life’.”
Extracted from Li Ka Shing by Kanyin Publications
]]>After rejecting and also being rejected by 38 capitalists and investors, Alibaba finally raised USD5 million from Goldman Sachs in August 1999, followed by USD20 million from Softbank Corporation in the first quarter of 2000. With these funds, Alibaba became the world’s largest online trading market ever in no time.
]]>After attracting a series of venture capitalists, Alibaba began expanding globally. However, the rapid increase in labour cost, marketing, advertising and zero profits landed the firm in financial trouble in 2000. “We expanded too fast, and then during the internet bubble burst, we had to lay off staff. By 2002, we had only enough cash to survive for 18 months. We had a lot of free members using our site, and we didn’t know how we’d make money,” Ma said.
By January 2001, Alibaba had less than USD10 million in its account. The number of employees in the US office was reduced from 40 to three, and subsidiaries located in Hong Kong, Beijing and Shanghai were closed down. Salaries of the remaining staff were cut by 50 per cent while their share options went up 100 per cent. After three months of drastic cuts, the company survived with its operating cost falling from USD2 million to USD500,000.
Many years later, Ma shared, “The lessons I learned from the dark days at Alibaba are that you’ve got to have value, innovation, and vision. Also, if you don’t give up, you still have a chance. And, when you are small, you have to be very focused and rely on your brain, not your strength.
“People tend to achieve their dream during their first entrepreneurial attempt. Sadly, more often, we stray away from our dreams during our pursuit. During the internet bubble burst in 2001, I remember there were about 30 internet companies and we were the only one survived. It was because we held on to our dream and that made us what we are today.”
A couple of years after the birth of Alibaba, Ma’s wife Zhang Ying, asked her husband how much money Alibaba made, and Ma raised one finger. “Ten million yuan (USD1.6 million)?” Zhang asked, and Ma shook his head. “A hundred million (USD16 million)?” she asked, and Ma shook his head again. “One million (USD160,000),” Ma said to Zhang’s disappointment, until he added, “a day.”
Extracted from JACK MA by TeamKanyin
]]>I have noticed that there are people who do not really enjoy what they are doing in life. In fact, they seem to be struggling and some even hate what they are doing. However, they feel they have to carry on due to various reasons such as the need for income and family commitments. They cannot see a way out and continue to be trapped in a life of misery.
]]>Certainly, it is important to do what we truly believe in, so that our passion for what we do will lead us to complete tasks and achieve our dream to live the life we want to. Indeed, given the choice, most of us would opt to do what we like and enjoy, but sometimes we may not have such luxury. There may be pressing reasons why we cannot do what we want to do. This is when we need to ask ourselves some really hard questions. Should it be a case of ‘short term pain, long term gain,’ or ‘short term gain, long term pain’? Obviously, most things come at a price, but we have to perfectly frank with ourselves and ask ourselves these tough questions before we can see a clear way out such a situation.
That fact is that if you ask ten people their opinion on the same thing, you will get ten different answers. Whose opinion will you go by then? Why even bother to ask others when they do not know you inside out the way you know yourself – how can they be credible advisers to you when they do not know you as well as you know yourself and when they do not have your best interests at heart? Who will bear the consequences of their advice? You! You should be aware that people sometimes give an opinion off the cuff without really thinking about the outcome of what they are suggesting.
This is your life. How you design it will make all the difference!
Self-confidence is as much an art it is a science. The bottom line is how you look at yourself and carry yourself in life. When we look at ourselves in a positive light, we feel good about ourselves. We know that we are a good force in this world. We are sure that we are pleasant beings and the world welcomes us. This internal positive way we talk, stand and behave. Confident and positive people rarely frown. They are more likely to be the ones making jokes, making others laugh and creating a positive presence among their peers.
Building up a person’s confidence is not easy. Fundamentally, it is about a change in mindset. If the mind is not ready to change for the better, no matter how hard we change on the outside, we will remain the same in our mind. If we really want to be confident, we need to put a stop to living our life through the eyes of anyone else. Once we decide to live life our way, the process of building confidence can begin.
If we try to avoid failure at all cost, we will be so paralyzed by the thought of failing that we will do nothing, and therefore we will not advance in life. This negative mindset is not unique to adults only because some adults impose this detrimental way of thinking on their children too. They are so fearful that their children may encounter from it. Unfortunately, this only turns their children into conservative, timid persons who do not dare venture out of their comfort zone. How will they achieve anything great or small in life if they do not dare go beyond their comfort zone?
Life is not smooth sailing. If we do not dare to take risks, we re not going to achieve anything great in life! We can never expect success all the way with no failures at all.
Extracted from It’s Your Life, You Call The Shots by Dr Tang Teck Nguong
]]>To delete, get rid of or remove a word, file, software or programme inside a computer, you need to press the “Delete” key on the keyboard.
Unfortunately, there is no “Delete” function in your brain. Based on psychological studies, to delete or get rid of a thought, emotion or an experience, you will need to “create” an event or action that can bring in new emotion and thought to “overcome” the existing emotion or thought that was first stored in your brain.
]]>Unfortunately, there is no “Delete” function in your brain. Based on psychological studies, to delete or get rid of a thought, emotion or an experience, you will need to “create” an event or action that can bring in new emotion and thought to “overcome” the existing emotion or thought that was first stored in your brain.
For example, you may have a habit of drinking coffee at your favourite café or shopping at shopping malls simply because it makes you feel good. You know that the coffee that you drink or clothes that you buy are definitely more expensive compared to having coffee at home or buying clothes at a flea market or factory outlet. To save money, you need to break these expensive habits.
Try having coffee at home or shopping at factory outlet and still feel good about it. Your brain will then “capture” the good feeling to replace the previous good feeling of having coffee at your favourite café and shopping at shopping malls.
Now, do you get a clear picture of how your brain works? Can you see why you need to change your behaviour? If you want improvements in your life, it can be difficult for you. But nothing ventured, nothing gained. So change will come at a price and with some sacrifice.
To cultivate good actions, emotions, habits and behaviour that will benefit you financially, you need to:
Remember this:
Now, you have the general idea of how you and your brain can create impact on you and your money.
Extracted from Money. Work. Life by Carol Yip
]]>对于那些成功在自己的领域里取得大成就的成功人士,他们是很多人的羡慕对象。“我多么希望能够像他们那样成功,即使是一半都好!”,这听起来很熟悉吧?当中也不乏常常把“我想改变”挂在嘴边,爱发白日梦的人。为什么这些人无法成功呢?理由很简单,因为他们纯粹“希望”成功,并没有真正辅助行动尽心尽力去奋斗努力。
]]>不过,个人认为最糟糕的人是那种经常喊着“我要改变”,却从来不采取任何行动的人。我认为这些光说不做的人,心里面根本没有丁点儿要改变的意愿。他们想要改变,却不要改变!很难明白吗?确实很难明白,毕竟这些人都还没搞清楚自己到底想要什么,更甭说直到如何变得更好了。这种“想改变却不要改变”的矛盾心态已经成为社会里的一个棘手问题。越来越多人徘徊在改变人生的十字街口,就像羊群,他们只是在跟从大队走——成为平庸之人,安分守己打工谋生,他们默许自己顺应潮流,也因此而抱怨自己没有能力主宰自己的人生。
成功人士的共同点就是言出必行。他们不再想或告诉自己“我要改变”,而是说到,就要做到,就是这么简单的一个决定。事实上,或许是因为太简单了,所以很少人会认真对待这个简单的决定,也正因为如此,只有少数的人成功,大多数人却因为犹豫不决而失败。他们对“改变生活”这个决定不够坚定,因此无法打开奇迹之门。其实,只要我们下定决心要改变,大脑里的神经元会把这个“我要改变”的信息记录下来,并开始通知身体其他部位采取一切重要行动来实现它。所以说,千万别低估这个简单却强大的一个决定,它是实现梦想和人生目标的第一步。
是时候检视自己,看看自己到底在哪一方面做的不够好,以至于生活不尽理想。静下心来,沉思一番。你可能会反问说,“如果我知道的话,早就改了嘛”。就是啊!正是因为你不知道自己的问题所在,于是无法对症下药,每天重蹈覆辙。现在,我恳请你给自己十分钟认真检视自己,到底哪里出错了?
下一步就是直到自己的不足之处。坐下来检视自己的问题根源,对症下药,改变内在自我才能改善生活。譬如,你发现收入微薄是因为打工的你利用大部分时间替老板挣钱,放工回家后无所事事,宁可坐在电视前浪费时间也懒得进修提升自己。
现在你终于直到微博收入的根本原因,接下来要做的就是做不同的事情改变的你的内在自我。在这之前,你会把时间优先留给老板(工作),现在应该把更多时间留给自己,提升和改善自己。
摘自《心态值千万》周德伟著
]]>McDonald’s signature product is the Big Mac, but the Big Mac does not really earn a lot. The real income is made by the wide selection of snacks and side offerings, such as the apple pie, fries and ice cream.
The most profitable item, however, is Coca-Cola.
]]>McDonald’s is divided into the company and the stores. Everyone thinks McDonald’s is a food and beverage company but McDonald’s is really a management company that helps companies manage the McDonald’s franchise stores. If McDonald’s makes money from food and beverage stores alone, it will have to spend a lot of money to buy shops or rent stores, furnish the stores the hire the workers.
McDonald’s has about 38,000 stores worldwide. Of these, it owns fewer than 5,000 stores and the number is decreasing. More than 30,000 stores are franchised out to others. McDonald’s makes money through its supply chain and because the number of McDonald’s stores is increasing, one day, a real estate company offered McDonald’s the usage of its properties free of charge. This is because whenever McDonald’s opens a new store, the traffic in the area increases. Although McDonald’s get the properties free of charge from the real estate company, it rents the free-of-charge properties out to its franchises.
Later, McDonald’s owned all the shops in a street and as the street became crowded, they could charge rental after stores opened up there. As a result, McDonald’s has become one of the largest real estate companies in the United States. In the end, the daily turnovers of all the stores are managed by McDonald’s, and the money is used to generate more income.
McDonald’s signature product is the Big Mac, but the Big Mac does not really earn a lot. The real income is made by the wide selection of snacks and side offerings, such as the apple pie, fries and ice cream.
The most profitable item, however, is Coca-Cola.
Why? Because McDonald’s get it at zero cost.
In summary, we must give up the seeable profit to earn the unseeable profit.
Have you ever noticed that you remember that difficult days more than the ordinary or good ones? Do you remember tough challenges or hard-won triumphs? Are you amazed by people who overcome all odds and countless failures and succeed?
]]>Failures are the essential spices in the recipe of success. They are not the main ingredients, but they are needed for a lip-smacking successful dish.
“You have to get used to failures. Just like boxing, if you cannot get used to being hit, how can you win?” co-founder of Alibaba Jack Ma asked.
Building Alibaba is Ma’s destiny because of his “brilliant” record of getting rejected. That’s how Ma saw it as he recounted his experience to more than 3,000 students in Hanoi during his visit to Vietnam on the occasion of the 2017 APEC Summit.
In his response to a question by the moderator at the student forum, he talked about his grief at being rejected so many times. He couldn’t tell his parents about his failures and figured that God didn’t want him to join a company; instead, God wanted him to build his own company.
“There was no option, and that’s why I spend a lot of time with young people and students today to tell them how I got through. Go back home, sleep, tomorrow, try again.
“There was no choice. Let me tell you, 80 percent of people in this world have the same thing. If Jack Ma today isn’t CEO of Alibaba, and is nobody, nobody would read my story. Because we founded Alibaba, people say we’re good. [But] we’re the same. The only thing I did and still do is never giving up. Most people give up. If you give up, no chance. If you don’t give up, you still have a fighting chance.”
Ma concluded with this advice: “Young people, in our lives, there are always opportunities. There are always chances, (and) there are always failures. The important thing is how you survive failures. When you are rejected, how do you survive? This is what I have learned.”
投机者是制造股价波动的人。他们根据情绪买进股票,他们倾向于同样的理由卖出股票。情绪性的买卖会导致股票戏剧性地过高或过低。这种现象,为身为投资者的我们制造了机会,捡起那些售价远远低于他们的真正价值的股价。
]]>有个很容易辨认他们的方法:
对投机和投资两者之间的差异还感到混淆?让我用更简洁的说法来解释:
投资者是那些会仔细分析公司、决定股票确实价值以及只在股价介于折扣的内在价值才买进股票的人。举个例子,A公司以每股$4交易,但是它的内在价值是每股$6,投资者会买下该股。他们根据实际的数据作出决定,从不会让他们的情绪控制。
另一方面,投机者是一个以不须理由买卖股票的人。很多时候他们会因为高成交量或聆听谣言而买卖股票。投机者必须愿意接受他们在冒险的事实。虽然在短期内,投机者可能会赚得些钱,然而投机是无法提供持久的终身回报。投机只能留给那些能够承受在短期内失去所有的赌徒们。
投机和投资都会影响股价。投机者和投资者的买卖会均匀市场。因此,从长远来看,股价反映出公司底下的价值。假如每一个购买股票的人都是投资者,都依据业务的价值来进行买卖,那么整个市场就会表现得极不平凡的合理,大幅度的股价变动亦变得罕见。投机者是制造股价波动的人。他们根据情绪买进股票,他们倾向于同样的理由卖出股票。情绪性的买卖会导致股票戏剧性地过高或过低。这种现象,为身为投资者的我们制造了机会,捡起那些售价远远低于他们的真正价值的股价。
谁不想以最短的时间赚得最多呢?为了成为成功的投资者,我们没有更容易的方法。我所说的是合法的致富,而不是走势贩毒等等。投机绝对不是致富的捷径,反之,投机可能是祸首。股市崩溃的时候,你可看到人们开始惊慌、哭泣,甚至售卖财产来还债。
长话短说,就算在一个健康的市场,投机者还是存在的。他们对谣言的敏感度很高、在股价毫无理由上涨的时候买进,以及当股价直线下沉时抛售。以好的角度来看,投机者增加市场的震动、波动和使得市场兴奋得嗡嗡响。而真正的投资者会在完成许多研究之后才进入市场,把可能丢失在狂热之中的基础带回来。我们已经拥有够多投机者制造的兴奋了,你不需再以投机者的身份贡献更多。做一个真正的投资者吧!
投资者应该知道,依据大马交易所上市条例,上市公司需在每个季度结束后的两个月内,成交季度财报;至于年报,则在财年截止后的4个月内呈交。与此同时,上市公司需在财年截止后的6个月内,召开常年股东大会,向股东回报该财年的营运状况和财务状况,以及重新委任董事等方案寻求股东的批准。
你可知道巴菲特是如何决定一家企业的价值呢?这位大师就是通过大量的阅读,不仅仅只是阅读本身所追踪的公司年报,甚至是竞争对手的年报。同样的,拥有好称为“环球投资之父”的约翰・坦伯顿爵士,在研究一家公司花多少时间,去研究该公司的竞争对手。他也是如此建议投资者:了解公司的竞争对手,往往是投资者最佳的资讯来源,而不单是所追踪的那家公司。
要是你已是一家上市公司的股东,更为重要的是,身为投资者以及公司的一份者,就应该出席公司的股东大会(并在出席之前阅读年报),以针对公司的运作、方针和计划等提出意见。同时,出席股东大会也是投资者与董事部和高层面对面的难得机会,可趁机会发问、寻求澄清、争取股东权益和/或对年报的一些数据、计划或其他内容提出疑问等。
在股东大会上,也是新手学习的地方之一,因一些认真研究公司财报以及关注公司前景的股东,会发出尖锐的问题,甚至令董事部或高层招架不住。你是属于这类型的投资者吗?你要成为这类型的投资者吗?因此,出席股东大会可让你了解其他投资者对公司所关注的事项,作为以后投资的参考,从中学习如何更深入的研究一家公司。
另外,当一家公司在大马交易所官方网站宣布季度财报或任何企业消息后,重大的消息媒体都不会错过,而有追踪相关公司的证劵行研究部,都会在隔天发表他们对该公司业绩或企业活动的看法与意见。 研究报告会针对上市公司宣布的消息作出分析和评论,并以适当的评估方法计算出合理价格以及作出“评级”。以媒体的作风,都会综合所有的研究报告找出各重点再编写一篇报道,让读者可以得知不同证劵行对相关企业活动的观点。
郭鹤年是福布斯排行榜上的马来西亚首富级人物,和其他香港大富豪如李嘉诚家族相比,郭氏家族真的很低调。就以李嘉诚来说,次子李泽楷与女明星之间的花边新闻层出不穷,而出身马来西亚的郭鹤年家族,除了早年因为郭鹤年长子郭孔丞已故巨星邓丽君有过一段恋情之外,就没有怎么和娱乐圈沾上边。
娱乐新闻只是日常的八卦资料,值得我们深究的,是郭鹤年的成功之道。
]]>娱乐新闻只是日常的八卦资料,值得我们深究的,是郭鹤年的成功之道。
郭鹤年是怎样崛起于多变的竞争中,又如何能在利益环伺的诱惑中,保持一份超然和敦厚之心?我们无需讨论他的赚钱之道,但是,真的有必要学习其中的内涵。
郭鹤年最为人称道的,不是财富,而是他拥有财富无法衡量的‘德’。他在创造财富的过程中,没有离开‘德’,在拥有财富之后,更以非凡的心胸执行更大的‘德’,成立慈善基金,捐款助学助医助贫助国助灾,为善总在人前,且保持低调谦虚。
有钱人花钱的方法多着呢!有人为了追女明星而在全香港报纸刊登广告,也有人一掷万金买下天价古董,其他像买游艇,买钻石等等行为,就不在话下了。当然,他们有花钱的权利,而小市民也有“八卦”的自由。相比之下,捐款救人或办教育,当然比讨好女明星更让人称道和钦佩了。
本书特别选郭鹤年为主题人物,精挑他的“商德”,主要想传达的,不是他赚钱的本事,而是他“为富有德”。而且,“有德”才是他的成功之道。
许多人将首富们的赚钱之道,归为敏锐的商业触觉和天生的运气。殊不知,人的行为都由一套价值观所贯穿,一个人骨子里怎么想的,就会怎么做,特别是在有权有势之后,更是如此!同样是白手起家,有人是暴发户,有人则会很自觉的‘发财立品“。
深究郭鹤年的成功故事,可以很明显发现,他从没有脱离“德“,从赚小钱到赚大钱,都是如此!不论是在商业利益,或是国家大义面前,他都不会失去分寸,而且,利益越是大,他越小心谨慎。
《陶朱公商训》第二则:“礼文相待,交往者众”,能知礼识问,对人谦和有礼,谨守道德,品行可亲,郭鹤年这样的商人,像个君子一样,令人心生欢喜,令人尊重钦佩。
We live in a society now where we aren’t concerned about starving, being attacked by a different tribe, or eaten by an animal. We as men had to have a strong will to live back in the day or we were dead. One example from the Bible was David. He went through hell, but because of his vision and God’s protection, he carried out his purpose.
If you are in survival, the next step is stability. If you are in stability, it will take you utilizing the feelings of survival to jump, to then next steps of success.
Men are motivated by two key things: running away from something, or running toward something.
Running AWAY from something: You wake up, you see your to-do list, and you start thinking about how if you don’t do it, you are going to go backwards; and if you go backwards, you won’t make money; and if you don’t make money, then you can’t pay your expenses; and if you can’t pay your expenses, then everything is going to catch on fire and you will lose everything. So, because of that thought, you get into massive action! Utilizing the POWER of running away.
Running TOWARD something: The more positive side of the coin. You wake up look at your to-do list and start thinking about what life will be like in a week if you accomplish and check these things off the list. You look at the goals and rewards you have. If you hit your goals, you get excited about the future. The dream of what life could look like, the accomplishment would feel, drives you TOWARD something ahead of you.
Both are powerful tools to be used as a man pushes through the 4 S’s.