There isnt anithg to post todae though.. nth special to talk bout too.. so.. dis post will b kinda boring...
today, woke up at ard 12 i tink.. heh.. had a nice sleep.. n after that.. watched tv..did work.. do some work.. n nth le.. wad a boring dae..
but anyway.. im blogging dis post at my granma hse now currently, so.. nt realli much inspiration to write anithg special.. i hope.. todays post isnt chim rite? haha... based on many peoples feedback.. heh.. O ya.. Happi Birthdae to u btw.. dun b too touched when u read dis.. hahaha happi`15
Now, here's an article for ur to read=) Here is the 10 reasons: Why the Poor will Always be PoorAn article taken from web site of Wallstraits.com There is an old saying: The rich get richer and the poor get poorer. It's true, and there's a logical explanation why it holds true in every capitalist society. Put simply: the rich understand the difference between an asset and a liability, and the poor never quite get it. The rich work for investment capital, while the poor work for disposable income. The rich buy appreciating assets and allow returns to compound, while the poor buy depreciating assets and live paycheck to paycheck. The rich live a bit below their means until their compounding investment returns supply enough passive income to support a lavish lifestyle, while the poor live just at their means throughout their lives.I was reminded of the stark distinction between the haves and the have-nots when the Straits Times newspaper carried a cover story about the new Singapore Shares and featured a large color photo of a long line of poor and elderly waiting to cash in their shares on the very first day of issue. When the reporter asked why they were choosing to sell so quickly, they invariably replied, "I need the money". No doubt, their newfound wealth will evaporate before year-end. Education is not the key to wealth. Income level is not the key to wealth. Rich parents can lead to wealth, but it won't guarantee continued wealth. Winning the lucky draw is not the key to wealth. The secret to wealth creation is simple: set aside a portion of your regular income in an appreciating asset with compounding returns. One of the best vehicles for wealth creation is the stock market.Anyone can be a millionaire by retirement age. That's right, anyone, with any education level, and with any income level. If you can put aside just $25/week and invest it in a stock portfolio that yields long-term returns of about 12%/year, you will retire 40 years later with $1,188,342. Even as low as the barrier is to joining the ranks of retired millionaires, so few, less than 1% of the population, will ever come anywhere close to achieving this simple goal. Why?There are basic mistakes made repeatedly and consistently by average income people that lead them down the road to poverty, or lower middle-class at best. The most basic mistake is to buy a lifestyle you cannot yet afford, using borrowed money to make up the difference. Typically, money is borrowed at high interest rates to pay for things that eventually depreciate to zero value. The worse investment is probably a car, which is expensive, has high operating costs, and rapidly loses value.Those who never quite figure out the difference between an asset and a liability, and the magic of compounded returns on even small investments over time are doomed to suffer in poverty for a lifetime. Amazingly, no schools offer courses in basic family finance to help avoid such a trap. Too often a car, a stereo system, a new sofa, or a handphone are purchased with credit cards as if they were assets... when they are really heavy burden liabilities. To escape the poverty trap, learn the following lessons. Study them until you understand the principle behind each reason that traps you in poverty. It's not too late to break free!
Top10 Reasons You Will Never Be A Millionaire #1 That $25/week means you'll have to go without a Starbucks treat every single day! #2 Instead of living just below my means, I've decided to live just above my means and allow my income to catch up with my lifestyle as I get older. In the meantime, I can support a nicer lifestyle using credit cards and a loan from Mom & Dad. The interest payments aren't that high. #3 Instead of buying stocks, I decided to buy a car. My girlfriend loves my Mercedes! My car dealer and banker had no problem lending me the $200,000, so it must be within my means. After the monthly car loan payment, I still have plenty left for insurance, maintenance, repairs, road taxes and petrol. #4 Stocks seem too risky, so I've decided to keep my savings safe-and-sound in fixed deposits with my bank. They are guaranteed 2.5% per year interest and I can't lose my money. #5 I decided to invest in stocks, but my broker recommends I sell when I can realize a 10% profit. He say's "you can't go broke taking a profit". #6 I decided to speed up the millionaire process from 40 years to 20 years by improving my stock market returns to over 20% instead of a steady 12% per year. I think I can do this by trading speculative stocks as they indicate buy & sell signals on the price chart patterns. #7 Instead of buying stocks, I decided to invest in a second property. My grandfather made a fortune in property in Singapore. I can buy a second condo for $500,000 and lease it out for cash flow of $1,000/month. I only have to put 20% down too, just $100,000, and I can borrow that on a personal loan from the bank with my current income. #8 I need all my money for necessities today. Instead of saving $100/month today, I'll wait until I'm 30 or 35 and save more aggressively, maybe $250/month, to make up for not saving today. It will be easier to save later because I'll probably have a higher income. #9 Instead of saving just $100/month, I decided to save $200/month and retire early as a younger millionaire. The problem is that I keep needing money for some unplanned event that comes up, and it forces me to liquidate my portfolio every so often, then I have to start all over again. Sometimes I have to sell at a loss in a bear market when an emergency comes up. #10 I decided to speed up the wealth creation process with some help from my friendly broker, who agreed to lend me $1 for every $1 I invest in my stock portfolio... something called a margin account that effectively doubled the size of my portfolio. It worked great in 2000, as my tech stocks rose 10%, I made a 20% gain! Then when the techs sank in 2001, my portfolio kept falling and my broker kept calling--something called a margin call, that required me to add more money to maintain less than 50% debt level. I added all the money I could, but the stupid stocks kept falling and eventually the broker forced me to sell them all at a huge loss!
"if someone loves you,
love them back not only because they love you,
but also because they are teaching you to love and opening your heart and eyes
to things you have never seen or felt without them."
(ripped from solasura-honz)
As you envelope my mind,
thoughts are all about you.
I hope that you could walk into the ghost of me.
My heart have been delievered to your doorstep, do you accept this mail?
Could you pull out some time for me
and give both of us a chance to be together.
Waiting isn't a problem,
losing you would be the biggest trauma I would get.
May this day where our hearts bond together come soon.
Love is patient and kind; it is not jealous or conceited or proud; love is not ill-mannered or selfish or irritable; love does not keep a record of wrongs; love is not happy with evil, but is happy with the truth. Love never gives up; and its faith, hope and patience never fail. Love is eternal.
A recollection of poetry
"Twilight funeral"
Blackened and cold is the dusk
A veil where the shadows watch
Behind the dim requiems of light
When blindness envelopes our eyes
Silent and unholy is the dusk
A hole where the demons smirk
Beyond the clutters of human life
When deafness embraces our ears
Sable nothingness is the dusk
A shroud where the ravens flock
Tainting the purity of white clouds
When darkness devours our hearts
Inevitable death is the dusk
A cloak where the daggers hide
Under the facade of tranquility
When mortality is but a quip
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