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Една от най-забележителните характеристики на великите истини е, че са маскирани като обикновени твърдения. Като нещо просто – или поне привидно просто – което не ни прави особено впечатление. На първо четене… Но така и трябва. Защото тези, които още не са узрели – ще подминат простите думи просто ей така. А там, където почвата вече е разорана и подготвена – семенцата ще поникнат. Вселенски закон. На всекиго се дава, но не всеки разпознава даровете на боговете… В случая, аз съм само посредник. Ще ви препредам нещо, което достигна до мен от приятел – под формата на клип в YouTube. На английски език. Не страдам от излишък на свободно време (колкото и на много хора да им се струва, че е точно обратното), но все пак реших, че ако седна да преведа на български тези правила – времето ми няма да е загубено напразно. А и читателите на БЛОГАТСТВО заслужават този подарък: СЕДЕМНАДЕСЕТ РАЗЛИКИ В МИСЛЕНЕТО НА БОГАТИТЕ И БЕДНИТЕ ХОРА (според клипчето, авторът е неизвестен) - Богатите хора вярват, че те създават собствения си живот. Бедните вярват, че животът просто им се случва. - Богатите играят играта на пари, за да спечелят. Бедните играят същата игра – за да я загубят. - Богатите се посвещават на това да забогатеят. На бедните само им се иска да са богати. - Богатите мислят наедро, бедните – на дребно. - Богатите се фокусират върху възможностите. Бедните – върху пречките. - Богатите се възхищават на останалите богати и успели хора. Бедните мразят всички успели и забогатели. - Богатите хора се движат в средата на позитивни, успяващи хора. Бедните се заобикалят с негативни личности. - Богатите са склонни да популяризират себе си и своите възгледи. Бедните не го правят. - Богатите са по-големи от своите проблеми. Бедните хора са по-малки от проблемите си. - Богатите хора умеят да получават. Бедните не го могат… - Богатите избират да им се плаща за постигнат резултат. Бедните предпочитат почасовото заплащане. - Богатите обмислят нещата и от двете им страни. Бедните мислят едностранчиво. - Богатите хора се фокусират върху цялостната си стойност. Бедните се фокусират върху работната си заплата. - Богатите са добри в управлението на своите финанси. Бедните ги бива само в пилеенето на пари. - Парите на богатите хора работят здраво в тяхна полза. Бедните работят здраво – за пари. - Богатите предприемат действие, независимо от страховете си. Бедните позволяват на страха да ги спре. - Богатите хора постоянно се учат и развиват. Бедните са убедени, че си знаят всичко. Ако умеете да получавате – значи ще успеете да оцените и този малък подарък. Надявам се той да ви замисли. Защото богатството започва точно с това – с правилното мислене! httpv://www.youtube.com/watch?v=8aRor905cCw Tags: бедни, бедност, богати, богатство, вселенски закон, мислене, правила, страх, успех
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Passive Income Builder Building Wealth through passive income streams Saturday, 12 July 2014 Value Investing Mastery Course (VIMC) With BigFatPurse I attended this course today and was pretty surprised at the turnout. There were a total of 42 students who were keen to learn about what the course had to offer. Questions were asked during the course and the facilitators were keen to share with the class their knowledge and experience in the theories behind CNAV1, CNAV2 and POF. VIMC's strategy is to buy stocks at a conservative margin of safety using the values obtained from its CNAV1, CNAV2 and POF analysis. Based on these numbers (which they will show you how to calculate them in the course), one can then make a calculated decision to buy / sell / ignore / monitor the current stock that you are looking at. The best part is that they have made it very simple for you to calculate those values. They even have a excel spreadsheet for you which just requires you to enter a few numbers from the financial reports and you can quickly know if this stock is worth looking at. The best part about the course is actually the investment game played at the end of the course (yes there is a game! We learn best through games!). It helps you to understand the concepts better and to apply them in the investment game and the class participated very enthusiastically. (Probably because everyone contributed $10 to this game and the top 3 groups with the highest portfolio wins a portion of the pooled money!) Overall, if you are a budding investor and are looking to find out more about share investing, this is a great course to attend to find out more. You must of course be willing to invest the time and effort as it is a whole day course. For more information about this course, you can visit http://www.bigfatpurse.com/vimc/ Tuesday, 1 July 2014 8 months without work! With the current bull market, I am glad that my networth has somewhat kept constant even with the high taxes that I have to bear this year. I hope that this continues (not the high taxes part) and that my net worth will keep climbing when I start work in August (fingers crossed). a) Coursera During my free time, I have been taking coursera courses, but I have since stopped after the 3rd course. I have somewhat concluded that I am not really the studying type so I have put this on hold for now. b) Insurance I have recently bought term and am currently waiting for the approval. If it goes through, I would the proceed cancel my ILPs and to be more proactive in investing the rest. c) Dividend investing I have been trying to tweak my portfolio to get a good yield. I am currently at 6.9%. I am hoping to push it up to 8% by the end of the year. I am currently convincing myself that I would need to set aside more funds for this. I am holding on to more cash rather than buying income generating assets. This is probably because of the property leverage strategy that I am currently on. d) Rental My tenant has moved out and surprisingly, when I took over the place from him, its even better than when I rented it out. I am hoping to find a new tenant soon. Otherwise my plan on using leverage to grow my money would fail. I want to rent it out before I head out to Australia for my work. When I have a tenant in place, I think I would feel more comfortable putting more money into my dividend investing strategy. e) Reading I have been reading quite a lot lately. When I am in the orchard area, I will head down to Kinokuniya to catch up on magazines and books. After lunch/tea with friends, I would also go to the library or the book shops to see what books are available and to try to complete some chapters whilst waiting for my gf to finish work. There are just so many books to read and so little time. However, I can get quite tired of standing and reading at the same time as I am quite stingy to purchase books. Friday, 27 June 2014 Comments after attending a free talk about financial independence a) Personality test In order to know myself better, I have taken this test online and I have found myself to be ISTJ (Introvert, Sensing, Thinking, Judging). This is pretty true. I am quite the introvert and find comfort in smaller groups rather than bigger ones. It turns out that this is the Carl Jung test rather than the MBTI, but the questions asked in the link below do tell me more about myself. You can find the link here: http://www.humanmetrics.com/cgi-win/jtypes2.asp b) Comparing leverage with a dividend yield strategy There was some talk about this and personally, I have experience with having leverage as I do own a property which I am renting out. One of the things about leverage is that its a double edged sword. Once you have a mortgage, your interest rates are more or less determined by the bank and the economy. In addition to that, there is also the thing about getting the right tenant and ensuring that he or she will take care of your place while renting it from you. Its also a bigger purchase in nature, compared to that of buying equities. In the case of a dividend yield strategy, one can buy 100 leveraged properties at a smaller price in the stock market. I feel that this strategy gives a better peace of mind. I do not need to worry about getting tenants for my properties, I just need to monitor the company news to ensure that all is in order. c) Cutting expenses and improving income The strategy to gaining financial independence is really to cut expenses and improve your income flows. If you can have a great salary and live like a undergraduate/student, you are really on your way to financial independence. Coupled with a great investment strategy, the dream to retire by 40 makes it a lot more realistic and not just building castles in the air. You can find the link to the presentation slides here: http://invictus666.github.io/blk71_talk/#1 Thursday, 5 June 2014 Book Review: A Gift to My Children by Jim Rogers Tuesday, 27 May 2014 Expense Tracking I have been doing this religiously every day and it helps a lot when I know where my money goes. Armed with this knowledge, I can then act to reduce or increase the amount spent/earned based on the categories that I have defined. You can do this tracking for free by using google documents, openoffice or downloading a free app into your hand-phone. I prefer doing this via google documents, so that I can access it as long as I have an internet connection. Some of the columns that I have been using are as follows: (You can customize this to your own liking) - Year - Month - Day - Type (Example: Meals, Transport, Income) - Category (Example: Lunch, MRT Top Up, Salary) - Description (Example: Chicken Rice) - Amount How do you do your expense tracking? Sunday, 11 May 2014 Tune your wealth file today! - Rich people believe "I create my life." Poor people believe "Life happens to me." - Rich people play the money game to win. Poor people play the money game to not lose. - Rich people are committed to being rich. Poor people want to be rich. - Rich people think big. Poor people think small. - Rich people focus on opportunities. Poor people focus on obstacles. - Rich people admire other rich and successful people. Poor people resent rich and successful people. - Rich people associate with positive, successful people. Poor people associate with negative or unsuccessful people. - Rich people are willing to promote themselves and their value. Poor people think negatively about selling and promotion. - Rich people are bigger than their problems. Poor people are smaller than their problems. - Rich people are excellent receivers. Poor people are poor receivers. - Rich people choose to get paid based on results. Poor people choose to get paid based on time. - Rich people think "both". Poor people think "either/or". - Rich people focus on their net worth. Poor people focus on their working income. - Rich people manage their money well. Poor people mismanage their money well. - Rich people have their money work hard for them. Poor people work hard for their money. - Rich people act in spite of fear. Poor people let fear stop them. - Rich people constantly learn and grow. Poor people think they already know.” Wednesday, 7 May 2014 Habits of the wealthiest people http://www.business-management-degree.net/features/wealthiest-people/ They seem like very good habits to have! They Have a Routine: - Maintain a to-do list - Wake up 3 hours before work - Listen to audio books during commute - Network 5 hours or more each month - Read 30 minutes or more each day for education or career reasons - Love to read They are Healthy: - Exercise aerobically 4 days a week - Eat less than 300 junk food calories per day Raising Their Children: - Teach good daily success habits to their children - Make their children volunteer 10 hours or more a month - Make their children read 2 or more non-fiction books a month Television Habits: - Watch 1 hour or less of TV everyday They Set Goals: - Write down their goals - Focused on accomplishing some single goal - Believe in lifelong educational self-improvement - Believe good habits create opportunity luck - Believe bad habits create detrimental luck