Oligarchy and The Bilderberg Group

The Classical Greek philosopher Plato discusses five types of regimes. They are Aristocracy, Timocracy, Oligarchy, Democracy and Tyranny.

An oligarchy (Greek Ὀλιγαρχία, Oligarkhía) (oligocracy) is a form of government in which power effectively rests with a small elite segment of society distinguished by royalty, wealth, family ties, military might, or religious hegemony.

The word oligarchy is from the Greek words for "few/one" (ὀλίγος olígos) and "rule" (ἀρχή arkhē). Such states are often controlled by politically powerful families whose children are heavily conditioned and mentored to be heirs of the power of the oligarchy.

Oligarchies have been tyrannical throughout history, being completely reliant on public servitude to exist. Although Aristotle pioneered the use of the term as a synonym for rule by the rich, for which the exact term is plutocracy, oligarchy is not always a rule by wealth, as oligarchs can simply be a privileged group.

The Bilderberg Group, Bilderberg conference, or Bilderberg Club is an annual, unofficial, invitation-only conference of around 130 guests, most of whom are persons of influence in the fields of politics, banking, business, the military, and media. Each conference is held under intense security and secrecy.

Related: 权力金字塔及世界政府 (http://howtze.blogspot.com/2009/11/blog-post_24.html)

缺乏财商教育?

大多数雇员无法停止工作时因为他们买了自以为是资产的负债，每个月都得付清帐单以喂养那些他们自以为是资产的负债，他们就是这样在有生之年被他们的“资产”一点一点地吃掉了。

并不是所有身在商场的人，都是想要永远购买自己产品和服务的消费者。将财务知识与多样化混同起来，是狐狸教育小鸡的另外一个例子。

一位共同基金经理会建议你投资多样化，就像一位二手车推销员会说‘不要仅仅买一辆车，还是多买几辆。当你驾车出行时，从来不知道车子可能会抛锚。如果这样，你就没法去工作。因此不要冒险仅仅购买一辆汽车，还是分散风险，购买 6 辆汽车，然后在你退休前 40 年里每月向我们缴付车款。’

什么样的推销商不希望数以百万的消费者那样呢？

我们大多数人不会购买 6 辆汽车以避免乘车出现的问题，因为我们很多人都已经接受了更好的教育。不过，如果谈到金融工具，比如股票、债卷、共同基金，很多人就对它们的区别茫然无知。

缺乏财商教育，就是那次退休金改革的重要缺陷之一。由于这次改革，财务顾问成为发展最迅速的职业之一。

教师、家庭主妇、前房地产代理商、保险推销员、退休者、管道工、消防队员等都来接受为期三天、三周或者六个月的培训课程，他们忽然都有了资格对你未来的财务安全提出建议。

没有人质疑这种设想，有关这项法律的设想纯粹是想当然，根本不是从现实出发的。

如果一个退休者到了 65 岁才发现，自己的财务顾问 40 年前的设想是错误的，那么会发生什么？这位退休者是不是还有其他资源可以利用？财务顾问知识简单提出财务建议，投资者并没有提出任何问题，直到安然公司的丑闻让投资者不得不质疑这个设想为止。

财务顾问只是在提供计划，而不愿意给出更多具体建议，原因就在于潜在的信用负债。

任何事情都充满了风险，如果没有人教育你如何去做，即便穿过马路时也会有些风险。

最终极资产

http://howtze.blogspot.com/2010/02/blog-post_07.html

农民思想的智慧

http://howtze.blogspot.com/2010/02/blog-post.html

关于基金

http://howtze.blogspot.com/2010/02/blog-post_10.html

你的孩子能在 30 岁时退休吗？

“学生离开学校后第一件要干的事是什么？”回答是“找工作。”他们找工作是因为这种体制就是这样给他们规划好了的，他们的反应就像一个优秀的小士兵。

在学校体制里，我们用幼儿园kindergarten这个词是因为我们的体制源于几百年前的普鲁士。kinder是普鲁士词，意为“孩子”，garten 为“花园”。换句话说，孩子们的花园之意就是由国家来进行教育，或者说“灌输”。这种体制设计的目的是让父母放弃教育孩子的职责，而孩子则被教育成能够最好地为国家服务的人。

学校体制教给人们的就是“雇主们需要的技能”。因为欠缺一部分教育，大多数人终其一生坐在桌子的另一边。

如果他们从小被告知“拥有财务技能可以使你拥有桌子”(own the corporate ladder,rather than climbing the corporate ladder)，他们的生活将会出现怎样的不同呢?

只有坐在桌子这一边的人才真正知道这一体制是用于培养寻找安全、有保障的工作的工人，而不会教给他们如何致富。我不是告诉你要坐在桌子的哪一边，而是给了你一个选择。

我们正处于信息时代，是到了教育人们超越寻找安全、有保障的工作这个观念的时候了。在信息时代，我们应被教育成不只是“学习雇主所需要的技能”的人，否则你的孩子有可能在30岁时过时。如果可能，为什么不教给他们财务技能以便他们能在 30岁时退休呢？

父母鼓励孩子寻找一条使他们30岁就能退休的路，是否能在30岁退休并不重要，但至少它能使孩子从不同的角度思考问题。

有财务生存技能的孩子会更加自信，而且将很少有靠职业保障来实现财务安全的想法。

学习如何管理金钱并了解财务报表是如何工作的，会在孩子们面对现实世界时，增加更多的自信。

“我知道我能够生存下去，我知道我将按自己的方式取得成功。我知道我不需要一份高薪的工作或者金钱本身来改善我的财务状况。”

------------------------------------------------------------------

少数能理解这个系统（支票货币和信用货币）的人，要么是对这个系统所产生的利润非常感兴趣，要么就是非常依赖这个系统的施舍（政治家），这个阶层的人是不会反对我们的。另一方面，绝大多数的人氏在智力上不足以理解基于这个系统所衍生出的资本所带来的巨大优势，他们将承受压迫而且毫无怨言，甚至一声都不会怀疑这个系统损害了他们的利益。 ~ Mayor Rothschild， 1863

----------------------------------------------------------- Related: The unfair advantage

富孩子 聪明孩子

你们应该学会为自己的权利而战，如果你做不到，你一生都将只是一个懦夫，被世界上那些恃强凌弱的人推来搡去。生活中并没有什么正确或错误的答案，如果我们不喜欢某个选择或结果，就可以去进行另一个新的选择并获得新的结果。

财商与你挣多少钱没有关系，财商是测算你能留住多少钱以及让这些钱为你工作多久的指标。随着年龄的增长，如果你的钱能够不断地给你买回更多的自由、幸福、健康和人生选择的话，那么就意味着你的财商在增加。

如果你必须为钱工作，那么应该找一份使自己感到快乐的工作。

我知道坐飞机的头等舱和做经济舱的人同时到达目的地，这不是我要讨论的问题。我的问题是，你有自由选择作头等舱还是经济舱的能力吗？许多人在生活中无法拥有多项选择。毕竟人生中应该有多种选择，社会的价值取向允许差异的存在。

每个政治家都想要穷人的选票，但却从不听从他们的心声，原因是他们支付不起，这是个悲剧。

智慧就是辨别更加细微差异的能力。

不同领域的技能对于在现实世界取得成功是非常重要的。

通常，一个人不成功是因为害怕失败，而不是因为缺乏知识。例如，有很多学习成绩很好的人在实际生活中不尽如意就是因为他们生活在对犯错误和失败的恐惧中。很多人挣不到钱也是因为他们对赔钱的恐惧超过了挣钱的快乐。

教育的真正含义是发掘学生的天赋，而不是盲目地向学生灌输知识。

生活就是一种终生学习的经历。就像兔子躺下去睡觉一样，一些人在离开学校后就去睡觉了。在今天快速变化的世界里，这种行为的代价是昂贵的。

我从没见过一个对学习不好奇、不兴奋得婴儿；我也没有见过一个被告知必须要去学习说话和走路的婴儿；我更没有见过在学走路时摔跤了拒绝爬起来的孩子，并且趴在地上说“我又失败了，我想我永远也学不会走路了”。我只见过站起来摔倒，站起来又摔倒，最后终于站起来，开始学会走路并学会跑步的孩子。

金钱本身是一种观念，改变一些观念，你就会获得控制金钱的力量，而不是任由金钱来控制你。需要钱的人永远也不会富有，正是这种需要掠夺了你的力量。

在我的教堂里我不教人们认为“金钱是罪恶的”，我所知道的是上帝对富人和穷人的爱是平等的。~汤姆。安德森牧师

关于金钱，父母能够做的最重要的事情就是影响孩子对金钱的感性认识，给孩子正确的感性认识，着力培养孩子控制金钱的力量，而不是叫他们如何去做金钱的奴隶或守财奴。注意保护孩子自我认识能力，以便他们能经受生活的磨砺-无论那是财务上的、学业上的、职业上的还是其他方面的挫折。

所有的孩子与生俱来都具备富有和聪明的潜质，只要属于他们自己的正确的感性认知能被加强且能不受学校、教堂、公司、媒体以及这个世界本身一些东西的侵扰。生活本身已经够艰辛了，但假如你的自我认知是你不够聪明和永远不会富有，那么你的生活将更加艰辛。因此父母最重要的是塑造、培育和保护孩子那种与生俱来的自知力。因为期望值高，故表现也超群。

我发现焦一个富人更加富有和教一个聪明人更聪明非常容易。只有当我把上课的费用涨到几百甚至几千元时，消极评论才会消失，使我可以从容地进行我的课程内容。

富人、穷人和中产阶级最基本的差别就是他们在业余时间干的事。

工资不能使你变富，可你用工资所做的事情却能使你成为富人、穷人或中产阶级。

不仅仅是变得富有，我还可以看到我的未来充满财务安全和财务自由，我不需要拥有一份有保障的工作或依靠公司或政府来照顾我的生活。我知道我会富有，不只是想，而是知道。当我知道这一切后，我的自我认知开始高涨，我知道即使我成绩不好，上不了好学校，找不到好工作，我仍然会富有。

如果我不停地说“我付不起”，就是在加强我成为一个穷人的感性认知；而说“我怎样才能付得起”是在加强我成为一个富人的感性认知。“我怎样才能付得起”开启了你实现目标的思维，而“我付不起”则关闭了实现愿望的任何可能之路。简单的分析我们常用的单词，我们就可以检查自己的认知水平。

正如我们对别人有认识一样，我们经常也有对自己的认识。正如对别人的认识会改变一样，人们的自我认识也会改变，但千万不要太迟。

财富远不止金钱。在家里工作，留出时间教孩子日后能用于现实生活中的生活技能。

学习的目的是让他们知道能靠自己的能力生存。孩子需要知道的是在寻找自我认知的时期，首先应该生存。

无论你的孩子在学校里表现还坏，你都应关注并鼓励他们去寻找自己的学习配方。因为他们离开学校并进入现实世界后，他们的教育才真正开始。

家庭学校和私立学校数目的不断增加其中一个原因就是从政府手中收回教育的权利并还给父母和家长。

父母最重要的工作不是让孩子取得好成绩，而是要让孩子留住上帝赐予的天赋，发现他们兴趣所在，留住他们的学习热情，即使这种兴趣不在课堂之上。

终生从事一份工作的想法是工业时代的想法。从1989年柏林墙倒塌到互联网建立，世界和就业规则就发生了改变。在信息时代，孩子的学习赢配方要能及时跟上时代的变化。

比学会怎样通过考试得高分更重要的是，孩子需要学会如何学习，如何改变自己，以及如何比他们的同班同学更快地适应生活。为什么呢？因为未来，更多的钱会付给今天学校未曾教授过的技术。

一定要让你的孩子知道，不断改变自己是他们未来生活的一部分。让你的孩子知道学会改变自己和快速学习的能力远比今天在学校里学到的东西更重要。

你心里想要什么，你在生活中就能发现什么。

Business Resources at Corporate Journey Revamped Site (185-204)

204. How To Succeed In Business Without Really Trying

203. How to Start A Women’s Health Care Private Practice Business

202. US Government Grants for Small Businesses

201. Elder Care Home, Their Business Negligence Insurance

200. Business Statistics in Practice

199. Business Statistics in Practice Online Learning Center

198. Affordable Small Business Health Insurance Policy

197. Sportswear Business : Motivational Quotes by Nike

196. Business Identity : Nike Swoosh Logo

195. Nike Sportswear Business : What Does the Word Nike Mean

194. Sports Illustrated Swimsuit Calendar : Big Business of Bikinis

193. When Would You Want to Own A Business That Sells Price Elastic Products

192. Risky Business Gone Wrong : High-yield investment program

191. Risky Business Gone Wrong : Long Term Investment

190. 365 Sales Tips for Winning Business

189. Tips On Running A Tutoring Business

188. Business Transfer Agents UK

187. Coconut Business in the Philippines

186. Add Email Account to User in Small Business Server

185. Business Voice Mail Greetings

We need two school systems

Education in America could use a big dose of innovation. How about one public school system for employees, and another for entrepreneurs?

"Go to school and get good grades, so you can get a good high-paying job." In simpler terms that means, "Go to school to become a good employee." But there are too many employees, which is why we have an unemployment problem. Today, kids just out of school aren't finding jobs. At the same time, many of their parents are going back to school for retraining. But they're not finding jobs, either.

With low-priced labor and lower-priced, higher-performance technology, high-paying American jobs will be disappearing at greater speed as they move overseas.

The way to train entrepreneurs is almost exactly the opposite of the methods used to train employees. Another common thread about Ford, Gates and Jobs is that they all dropped out of school. This is not to say education is not important, but training entrepreneurs is different from training people to be employees. It is much like the difference between traditional education and the military academy model.

Many executives with MBA degrees focused only on money. Money was their only mission. If they could cut expenses by firing employees, so be it.

Mission: to create sustainable, well-paying jobs for employees by aggressive growth of the business. Too many executives are trained to grow the business through mergers and acquisitions, using massive amounts of debt. Though this might make shareholders happy, in most cases it rips the soul out of the business, loading it with debt while putting the jobs of employees at risk.

Creating real jobs

If corporate executives cannot grow a business organically, they will often repurchase their shares to make it look as if the share price is going up — again to keep shareholders happy and the CEO employed. This is business manipulation, and not the true mission of a sustainable business. The lesson learned is, a loyal employee is not as important as money.

the mission to create entrepreneurs who create sustainable jobs for the country.

Whether you agree with me or not, I hope it's clear that we need to create more entrepreneurs — since only entrepreneurs can create real jobs.

job creation by those who are true job creators.

http://blogs.usatoday.com/oped/2010/02/column-we-need-two-school-systems-.html

It's All Greek to Me

What does the problems in Greece mean for you and me?

What does higher taxes and more inflation in the EU mean for you and me?

You need to understand the big picture; the world is on the same banking system.

The European Central Bank has the same function as the US Federal Reserve. And the International Monetary Fund (IMF) is the Fed for the world of central banks. We the people have to pay interest for every dollar,euro,yen, or peso printed out of thin air.Those interest payments come from our taxes.

Inflation is what the world's central banks want. If the world's central banks and the IMF fail to halt deflation, the world will fall into a depression. Deflation isn't the name of the game for central banks. Inflation is.

So,again, what does Greece,Spain, and Portugal mean to you and me? It means the central banks of the world are printing more money,creating more debt,expecting more interest payments from our taxes, and making life more difficult for those who operate the old rules of money, rules such as work hard, save money, and get out of debt.

Today, there are many books about the financial crisis, and most people know that the central banks are printing money. Yet, very few people know what to do... It's about printing your own money,just as the central banks are doing...legally.

The Biggest Scam Ever

In 2009, interest payments on our national debt are about $380 billion, which is $1 billion a day in interest.

In 1913, when the Fed was created, and in 1971, when President Richard Nixon took the U.S. off the gold standard, the ultra rich were allowed to siphon off our wealth - via our own money, the very thing we work hard for and do our best to save.

In other words, with every dollar the Fed prints, our wealth is being drained via increased taxes, debt, inflation, and savings.

A Cash Heist

There are 4 expenses that keep the poor and middle class struggling financially. They are:

1. Taxes - both apparent and hidden

2. Debt - mortgages, credit cards, and student loans (link to chinapress)

3. Inflation - rising food and fuel costs

4. Retirement plans - 401(k) and savings

It is via these four expenses that the rich get richer. In other words, all four of these expenses are cash heists,the ways the rich use the government to get into our pockets, draining us of our wealth.

The Silver Lining

With a more sophisticated financial education, a person can convert those government-sponsored expenses into elements that work in one's favor.

Taxes,debt,inflation, and not needing a retirement plan can make you richer if you use different rules of money.

As stated earlier, in 1971 Nixon changed the rules - and so should you.

中产阶级

美元的结局：有控制的归零 （美元崩溃决不意味着美国崩溃）

http://howtze.blogspot.com/2009/11/blog-post_25.html

Bretton Woods Agreement and The US Debt

http://howtze.blogspot.com/2009/11/bretton-woods-agreement-and-us-debt.html

现代广告史上的经典案例 - A Diamond Is Forever

1938 年，29岁的哈里 奥本海默从南非的约翰内斯堡来到了美国的纽约。他是 De Beers联合矿业公司创始人的儿子，此行的目的是会见美国一家广告公司的老板奇罗德劳克。

精明的奇罗德劳克很快和哈里 奥本海默达成了独家代理协议。

“（向男士）灌输这个思想是极其重要的，钻石是爱情的信物，钻石越大成色越好，爱情的表达就越浓烈。类似地，必须鼓励年轻女性把钻石看成是浪漫情事里不可或缺的一部分。”

这个创意，成就了钻石消费史上的奇迹。一场现代意义上的广告公关开始了。

20 世纪 30 年代日益流行的电影，成了第一焦点。电影明星第一次“有预谋地”和钻石结缘，她们带上了De Beers 的钻石，这开始深化美国电影观众的钻石消费心理。此外，设计上的名流故事和照片被投向杂志和报纸。在这些策划好的故事里，名流们向爱慕的对象赠送大块钻石的细节会被突出强化，照片也往往聚焦于女士们手指上那块又大又亮的石头。更经典的是，尊贵的英国皇室也被策划和钻石结缘。在伊丽莎白女王到访南非的报道里，她接受奥本海默赠送的钻石的行程被广泛报道。

1941 年，也就是哈里 奥本海默会见奇罗德劳克 3 年以后，美国的钻石消费上升了55%，扭转了之前销售下滑的局面。

作为现代广告史上的经典案例，奇罗德劳克的战略报告里正式把大众心理作为市场营销的方向，这是具有划时代意义的事件。

这个钻石和浪漫的故事高潮，就是广告语 A Diamond Is Forever 的提出，钻石和永不变节的爱情结下了牢不可破的同盟关系，其价值与石头，自然不可同日而语。

LV 手袋，投资与风险

一天，一位其貌不扬的男士，带着一位十分艳丽的女孩，来到一家 LV 店。他为女孩挑选了一款 65000 元的 LV 手袋。

付款时，男士掏出支票本，潇洒地签了一张支票。店员有些为难，男士冷静地对店员说：“我感觉到你担心这是空头支票，对吗? 今天是星期六，银行关门。我建议你把支票和手袋都留下，等到星期一支票兑现后，再请你们把手袋送到这位小姐的府上。你看这样行不行？”

店员欣然接受建议，并大方承诺递送费由该店承担。

星期一，店员拿着支票去银行入帐，果真是张空头支票！愤怒的店员打电话给那位客户，客户对他说：“这没什么要紧啊！你和我都没有损失。上星期六的晚上我已经同那个女孩上床了！哦，多谢您的合作。”

这个故事揭示了次贷危机的本质。

人们在对未来收益从满良好预期的时候，对于可能加大风险缺乏防范意识。

美女认为周一六万多的LV就到手了，自然也就放松了警惕，认为投资是值得的，对于投入产出的预期是建立在一个具有巨大不确定风险的情况下的。而对于未来收益预期的包装则是这些投资机构最擅长做的事情。

股民、基（金）民大多跟这个“美女”一样。而媒体和分析家们，往往在其中扮演了“LV店员”的配合角色。

相关资讯：

关于基金

http://howtze.blogspot.com/2010/02/blog-post_10.html

房价上涨的原因

房价上涨的原因是地产商暴利。政府地价提高、游资介入，这些都是表面现象，而本质是“腐败”。~郎咸平

从供应层面上看，房地产开发有两大环节：土地开发和贷款。这两大块都牵涉到大量的部门，要盖一大串公章。公共权力的滥用就容易滋生贪污腐败现象，某种程度上就导致房地产供应价格的居高不下。

从需求层面看，为什么房价越来越高还是不断有人买？原因在除了搞房地产和炒股票，没有其他投资机会。对政府投资环境不信任形成了投资短视。而当某些部门的腐败使得少数民间投资者信心不足、投资机会欠缺时，“虚拟资金”便开始投入股市，反过来，资金再打回房产，又带动房价上涨。

虚拟资本过度增长与相关交易持续膨胀日益脱离实物资本的增长和实业部门的成长，金融证巻、地产价格飞涨，投机交易极为活跃的经济现象。

泡沫经济寓于金融投机，造成社会经济的虚假繁荣，如果泡沫一旦破灭，必会导致社会震荡，甚至经济崩溃。

Synopsis The Magic of Property Investment

关于房地产

The Crisis Doesn't Make Sense to Normal People

More than simply changing the rules of money, the world's bankers have changed the realities surrounding money.

People who operate in the reality of go to school,get a job,work hard, live below your means,save money, buy a house, and invest for the long term in a government approved retirement plan are being financially robbed.

More than just change your rules you need to also change your reality about money. You need to see the world from a banker's reality and a banker's self-interested perspective:

1. helps you understand this crisis.
2. makes it easier to not be a victim of the crisis.
3. makes it a little easier to become richer.

Some of these titles don't follow commonly accepted beliefs about financial success:

1. Banks do not like savers.
2. Money does not exist until borrowed.
3. A weak dollar creates prosperity by making people poorer.
4. A strong dollar creates unemployment.
5. Spending more than you earn creates prosperity.

Since all currencies are technically debt and borrowed into existence, you must know how to use debt to become richer.

中产阶级

中产阶级

在香港以至全世界的发达国家，中产阶级都是最悲哀的：上不能过富人的生活，下无法领受政府的福利。

在大部分中产阶级的一生中，是买不起豪宅的。这一生最重要的投资就是买下一幢普通的住宅，一家人安居乐业，一直供楼到退休。那时夫妻年纪已大，收入可能大不如前，辛好子女已经长大，参加工作，省下了养儿育女庞大开支，退休后就吃积蓄，积蓄吃光了，就把房子卖掉，以供余生所需。

一个正常而幸福的中产阶级的（经济）人生就是这样过去的。

我同意这种做法，尽管这并非聪明的投资方式，但更符合人性。

我相信大部分的人都同我一样，只是个平凡的小市民，没有伟大的理想，只是尽可能在合法和合乎游戏规则的前提下令自己活得更好，如此而已。

--------------------------------------
游枝：朝日隨筆
一生負荷的重擔

看錢生孩子(5)
比我年輕好几歲的鄰居，几年前，他把剛供滿貸款的屋子賣了，以30萬令吉賣屋錢，送兒子出國讀大學。

一個孩子上大學，就用去父母辛苦大半生的血汗積蓄，這是今天養育孩子的一個不容否認的現實，也正好驗証了我們重視下一代教育與生活安全所擔負的擔子有多重。

鄰居他還有個比兒子小5歲的女兒，依打算，是兒子大學畢業，有工作之后，一家省食費用，再讓女兒上本地學院。

兒子用完30萬令吉賣屋錢，才得了個學位，回來找到的工作，月薪未到3000令吉，情況已經比一般同年代往外留學的人好多了。這裡又有一個算術習題要做，單是讀大學，就用去30萬令吉，出來工作，月入未到3000令吉，就算特別好運，年年增加入息，也得用8年或9年時間而且是不吃不用真的一個仙也不花才積得起30萬令吉的數字。

不吃不用不止不可能，像鄰居的兒子，他的薪金扣除定期供車之外再加生活費用，能拿回來養老爸老媽的錢勉強還夠，妹妹是沒有錢讀學院了。鄰居夫婦，沒能力供給女兒上大專，覺得對女兒不公平，虧欠女兒一份養育的責任，苦苦自責是失敗的父母。

跟著，兒子要結婚了，有了家，就會有自己的子女，接著而來的問題，是兒子要養他自己的家，更要為他的孩子準備更大數字的教育費用。鄰居夫婦的晚年，起碼的生活費都成問題了。

我的鄰居，他還有間屋子可以變賣，一般人沒產業可賣，連給孩子上本地學院的費用都籌不到，眼巴巴看著孩子上不了大專，又想到孩子就此一生失去爭取較好生活的實力，做父母的那份難過可想而知。

看現實，生孩子之前，最大的難題，是孩子來了之后，大筆大筆的費用從哪裡來。

http://www.chinapress.com.my/content_new.asp?dt=2010-02-13&sec=business&art=0213bs50.txt
--------------------------------------

Synopsis The Magic of Property Investment

Synopsis The Magic of Property Investment

A shocking truth about property investment in Asia is that more than 60% still stay in rented properties!

Put bluntly, the majority are simply not aware of the huge potential of investing in properties, be it as simple as having a roof over our heads; or a comfortable home to improve the quality of our lives, to using real estate as our ticket to a prosperous retirement or as ambitious as using it as an investment vehicle to rake in the millions!

This book shows you why investing in property is not only wise and satisfying but reassuring.

Life is sometimes like viewing a kaleidoscope, at different angles, it reorganizes and presents different patterns. At different stages of your life, you could suddenly discover what not possible then, to be possible now.

关于房地产

Don't Buy Gold? Never invest more than you can afford to lose.

A wise man once said, "The worst reason to buy a stock is because the price is going up," That goes for gold also. Gold hit a record high of $1,226.10 on December 3,2009 and closed out the year at $1,096.35, up 24.8 percent for the year 2009. While a 24.8 percent gain in one year is impressive, it isn't a reason to buy gold- or anything else for that matter.

In early 2000, suckers rushed into the NASDAQ as the tech bubble grew, and they were killed once the bubble popped. The same thing happened with real estate in 2007. Suckers always come in late,pay top dollar, and get crushed. The same can happen with gold.

The lesson is this: even if you buy real money(gold), you can still lose money. That is why knowledge is the new money. With the right knowledge, you can profit from the peaks and valleys of the markets.

The economics are simple supply and demand. If there's a lot of money looking for a return, interest rates will be low. If there are fewer dollars looking for a return, then bonds have to pay a higher rate of interest to attract investors.

Junk bonds traditionally pay the highest rates of interest because they're the riskiest.

Once bond interest rates start to climb again,cash will flow out of gold and into the safety of bonds' guaranteed return. It that happens, the gold bubble will burst and gold prices will fall.

This is valuable knowledge that, if true, could save investors tons of money.

What if interest rates go up because bond investors are selling rather than investing in bonds?

This scenario is a long shot, but stranger things have happened.

What if the Fed has printed too much money and the bond market is afraid the Fed has gone too far?

The bond market is afraid of 2 things:

1. A collapsing dollar

2. Rising inflation

As long as Ben Bernanke keeps emplying quantitative easing (printing money) the bond investors will be nervous. In other words, the smart money is worried, and may dump bonds, believing that US bonds are no longer safe investments at any interest rate.

If interest rates go higher, the economic recovery will die, the stock market rally will halt, and the real estate market will crash again. A depression may follow.

What will Ben Bernanke and the Fed do if all confidence is lost in their ability to save the US economy? Will they keep printing more money? What will then happen to gold and the bond markets? Your guess is as good as anyone else's.

My point is this: "don't just buy something because prices are going up." Study, learn, and find your own reasons for investing.

About Silver

Today, due to use in the electronics industry, silver is more scarce than gold. While gold sits in vaults, silver will be in short supply in less than fifteen years.

Silver is still relatively inexpensive. It's a poor man's gold. If there's a precious metals bubble, and prices do drop, the precentage losses on silver will be a lot less than on gold.

Remember, if you don't have a lot of money, protecting your losses is more important than going for gains.

Never invest more than you can afford to lose.

Gold vs. The U.S. Dollar

History is essential for seeing and preparing for the future.

In 1971, the rules of money were changed, President Nixon took the US dollar off the gold standard. Today we are in a global financial crisis. In the next few years, those playing the old rules of money will lose everything they’ve worked for. Savers will be losers.

The good news is this transfer of wealth can make you very rich.

Governments have been playing games with money for thousands of years. The Greeks and the Romans tried it as their empires came down. The US government is no different.

Having an understanding of financial history, currency manipulation, and how international banks more powerful than governments control the world, will give you financial wisdom that few people have.

This wisdom will give you the power to make better-informed financial decisions for your future.

The old rules of investing are dangerous. For example, saving money today is the riskiest investment of all. Why save money when governments throughout the world are printing trillions in counterfeit money? Also, counting on the stock market to go up, providing for your retirement or child’s education is for dreamers and fools.

That ‘old’ advice - get a good job, save money, get out of debt, invest for the long term, and diversify - is ‘bad’ (both obsolete and flawed) advice, challenges the status quo.

As you know, bailing out the rich is the name of the game. The question is, have you received your bailout money?

Today banks of the world are printing trillions of dollars. The question is, are you receiving any of that money?

Governments around the world are handing out money. They need people to give their money to. Again the question is, are you receiving any of that money?

“This financial crisis did not just happen. It has been a long time coming…and now it is here. The biggest wealth transfer in world history is on. Just because you are rich today does not mean you will be rich tomorrow. And just because you are poor today, does not mean you cannot be richer tomorrow.

“…our government has the ability to and has been, creating money at will without anything to back it up. You might call this counterfeiting; the government calls it fiscal policy. The whole thing is what we refer to as fiat currency. Throughout the centuries, gold and silver have battled it out with fiat currency.” ~ MICHAEL MALONEY, PRECIOUS METALS & GLOBAL ECONOMY

Internet Marketing VS Stock Trading, MLM and a Brick And Mortar Business.

#1 Reason Why Most People Fail To Make Money Online is indecision!

They can't decide if internet marketing is for them. They are getting mixed messages from everywhere, messages like:

"You can make a million trading the stock market."

"You can achieve financial freedom with MLM."

"No, I think I should be a REAL brick and mortar businessman. Internet marketing is not a career!"

One of the secrets of success is that when you make a decision, everything else will fall into places. It's one of the secrets of the universe, as important as the law of attraction.

The tough part is to make a decision.

Let's compare Internet Marketing with Stock Trading, MLM and a Brick And Mortar Business.

Internet Marketing vs. Stock Trading

I see stock trading as a form of wealth management. You should learn how to park your extra money in the stock market to get better ROI (return on investment) than putting money in fixed deposit.

But trading the stock market full time is a bad idea, unless you package it into a business, especially an online business. If so, you're back to the idea of internet marketing.

The truth is most stock trading experts make money teaching people how to trade stocks! They create courses, software and books to teach people and make huge profit from there.

In stock trading, there is no sure-win. If you get a return of 50% consistently, you are considered an expert.

But do you know that you can get 1000% ROI in internet marketing? For example, I can invest $200 to get freelancers to rewrite articles, create a website and build links. In the years to come, this website will easily earn me more than $2000. That's a return of more than 1000%!!!

My risk? The worse case is I break even. These days, I hardly have a website that lose money. It's just a matter of time before I break even.

My advice is, trade stock if you are interested, but spend more time building your online empire because you can get better ROI at lower risk.

Internet Marketing vs. MLM

The dream of MLM (Multi-level marketing or network marketing) is that you can achieve time and financial freedom. This is the idea that most MLMers will try to sell you.

To me, the true value in MLM is mindset training. Success is all about mindset. Good MLM companies have good training that can instill the millionaire's mindset into you. This is something internet marketing can hardly achieve.

Other than that, I really can't see any advantage over internet marketing.

If you talk about financial freedom, internet marketing can definitely give you financial freedom. Online income is definitely more passive than MLM income. In fact, you can have multiple streams of online passive income, which makes it more stable than just 1 source of passive income.

If you talk about time freedom, MLM can give you time freedom ONLY after you are successful. During the process of team building, it's hell!! Your working hours are nighttimes, Sundays and public holidays. These are times when your family members are free but you are not!

Internet marketing, on the other hand, gives you time freedom EVEN before you are successful. You still have to work hard, but you chose when you want to work. You can work when everyone is sleeping. Or you can work an hour and play with your kids for the next hour. It's all up to you.

Moreover, if you truly believe in the power of MLM, you should explore online MLM instead of the old-school brick and mortar MLM. The old-school MLM is really a time waster.

Internet Marketing vs. Brick And Mortar Business

Ever since I tasted the goodness of online marketing, I've never thought of doing brick and mortar business again!

I started out running traditional business and it was a relief when I converted my entire business to online. When I ran my offline business, my mind was all about how to pay my rental, my staff's salary, how to bring in customers etc. I hardly have time to think of business strategies and expansion.

But online business is almost stress-free. When you are small, you work alone. There is no worry of office rental and staff cost. You spend most of your time thinking of business strategies and how to expand your business, which is definitely more important than working hard to pay bills!

Another important difference is in offline business, you can hardly find people who are willing to show you how to make money. But in online business, many people (too many in fact) wanting to show you how they make money. Some of them may charge you, but you are talking about $47 or $97. That's cheap!

Final Remark......

I hope I've been impartial in my comparison. I've been on both sides of the equation and I just hope that my experience can help you make a better decision.

Remember, regardless of which decision you make, once you make the decision, everything else will fall into places for you!

To your success,
Kenneth Koh
Founder, EmailCashPro.com

关于房地产

每个正常人都知道房地产市可捉摸的，是“有野揸手”，比起那些股票保险基金之类的纸张东东莱，还是房地产可靠得多。

在所有实质资产当中，只有住宅楼宇才是终极资产，因为它既是必需品，也最容易管理。

长期而言，有些资产一定会贬值，钞票就是其中的表表者。反之，有些资产由长期的升值能力，这就是土地和住宅楼宇。

住宅楼宇的优点是实货，不管怎样跌价，也有一定的价值。

买楼不但实在，还可以自住，简直是必需品，更是结婚恩物。因此，一个正常人不敢“瞓身”去买股票，但却敢于“瞓身”，再向亲友借钱，跟着再做七成按揭，买下他一心想买的楼宇。

拥有楼宇并非人类的基本需要，居住才是。当人们没拥有自住楼宇，便得租楼。

乙有10套单元房，便能提供10个家庭的居所，无论任何时间，在地球的任何地方，能供给10个家庭居住的业主，都会过得丰衣足食。

当大部分人都“居者有其屋”是，相对而言供应量稀缺得多的豪宅便成了市场资金追遂的目标。

买楼除了地点，就是楼价。楼价低就买，千万别因“好息”而误买贵货。

地产商的思考模式是把地皮当投资品买入，把它当作消费品卖出。散户买楼时要把它当成投资品，卖时则要把它包装成消费品。

关于基金

关于投资

罗素的鸡

关于基金

规模效应的唯一优点就是直接参与收购合并游戏，这是另一尺度的玩法，散户不宜。

凡是风险分担，都会影响投资成绩。我叫你挑选一只股票，你会挑最好的。我叫你挑十只，第二至九只比起第一只来一定越来越衰。你购买的东西越多，水平就越差，这是定律。

一个“三唔识七”的基金经理，其人很可能“九唔搭八”。

基金经理是打工仔，不是老板，这是关键的一点。既然是打工仔，对残公司以自肥的诱因，比大股东更高，照常识推测，狗皮倒灶的机会也更大。

基金经理可照“赌鬼方法”，几个人合作，把一只股票的股价打上去，以制造虚假盈利。

购买基金的唯一理由，是懒惰。人们不想自己动脑筋，便找专业人士代劳，殊不知专业人士也是滥竽充数的居多。

结论是：如果要赢钱，得花上更多时间找出一个能干的基金经理，这么辛苦，倒不如自己研究，亲手投资算了。

既然分散投资有其限度，为什么不亲自去分散，例如说，买几只股票，再存进一些定期存款，何必假手于基金经理呢？

关于投资

关于投资

投资的其中一个要点是，它必须是副业，只有在不影响正职的情况之下，才能算是投资，才能算是有效的投资工具。第二个重点，是在需要时，必须能快捷地卖出套回现金。投资赚钱的方法很多，那些捉虱子进头发，自找麻烦的投资方式，放弃吧。

无论是数学还是会计学上的计算，基本原则就是其方向和假设是正确的。

在很多时候，投资只需要简单的推理，并不需要高深的投资知识。

所谓的债巻，就是一张欠单。

投资需要的是智慧，需要认清每种金融工具的本质。凡有抵押债卷，其抵押品都是资不抵债。

那些被高深方程式唬倒的人，每每就是投资的失败者，因为高深数学计算方法只是投资市场的卖家用来招徕买家的工具。

至于一名普通（而成功）的投资者，除了四则运算之外，并不需要懂得其它数学。

投资世界就如同打麻将，你的取胜往往就是别人的不辛。高明者有本事以大比数的赢面赚取利润。

投资股票是一个过程，买楼才是目标。

人类感受痛楚的能力，是为了防止身体受到伤害。没有痛，终会全身烂掉，因为身体受伤时也不会“缩”。换句话说，有戒心是好事。在投资世界，一次疏忽，足以致命。

俗语有云：炒楼变自住，炒股票变长期投资，一夜情变结婚生子，都是最愚蠢的事。

人生最大的突发开支是死前的重病。很多资产不够的家庭，在家人的一场重病之后，结果是家人终于死了，钱也花光了。只要我们有了承担后果的本钱，那就不用浪费成本去买保险了。

罗素的鸡

罗素的鸡

一只鸡每天听见主人叫它，就知道有东西吃，认为这是天经地义的事。有一次，主人叫它，它像往常一样兴冲冲地跑出去，谁知这次并非喂它吃东西，而是宰了它。

这故事告诉我们归纳法的不可靠。

二次大战时，纳粹德国大量屠宰犹太人，其过程牵涉到多个步骤：把人集中在一起，运送到同一地方，送进囚室，集体屠杀，处理尸体等等。这些步骤如果由同一班人去做，这些人就是刽子手，精神和道德压力会使他们发疯。

但分成不同的步骤，则统统是专门的工作，运输囚犯是合法行为，杀人者只是按一个钮，收尸火化本来就是正常的工作，所有的医院均有这种专门人才。因此当集体屠杀时，把步骤分开，便会易于执行。

一件惨绝人寰的灭绝行动（灭掉人们的钱种）经过有计划地划分步骤后，变成了多项不同的专业工作，而专业人员只需面对其专门的工作，打工仔而已，用不着思考道德问题这么深奥吧？

Related

最终极资产

一理通百理明

农民思想的智慧

最终极资产

终极资产

终极资产必须符合下列条件：

1。实质对象，并非纸张之类的所谓法律文件。

2。同衣食住行有关的生活必需品。

3。该市场最高档产品，正如豪宅之于房地产，美元之于货币，蓝筹股之于股票。

4。市场对它有着永恒的需求。随着经济状况的变动，它的市场价格或许有波动，但永不会变成零，永远比其他的同类产品为贵，市场对它有永远不够的高需求。 （有些贵金属比黄金更昂贵，但黄金才是市场定价的标准，其他贵金属不是。）

Gold，住宅，法国的顶级红酒酒庄: Chateau Lafite Rothschild

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最终极资产

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只有一种资产是与你同在，永不消失的，那就是你的身体。你的身体就是你在资本世界的最后资本。

无数人曾把所有的资产输光，其中大部分人一垮就无法东山再起，却有一小部分人凭着这份最后资本东山再起。

这种资产的特性，就是其价值的增值需要投资大量的时间和精力，一点一滴地，靠着阅读、观察和思考，慢慢累积回来。它的一个好处，就是一旦得到了，就不会轻易失去。

死刑的英文叫“capital punishment”，从投资的角度去诠释，就是这刑法取走了你最重要的“capital”。反过来说，我们投资在这种最终极的 capital 之上，就可面对所有的变故，百战不殆。

只要思想的层次提高了，看事情时就洞若观火，一目了然。

人生的最终极资产就是本尊，只要活着，机会永远在前面，饿死了就没仇报了。

机会常在，我们只有能在失败中坚持斗志，才能真正胜出。刘邦、李嘉诚都曾经输到一无所有，只是凭着毅力和坚持，终于取得最后的胜利。

一理通百理明

一理通百理明

阅读/学习要有如张无忌向张三丰学剑，学的是剑意，剑招全忘记也不要紧。

无论在投资世界还是现实生活里，掌握思考方式才能终身受用不尽。只要精通万物的基本原理，用不着死记琐碎的细节，万事用推理就可以得出结论。

我们不可能也不需要全记住“十万个为什么”，只要把基本理论搞通，别说十万，就是一百万个为什么都可以推理出来。

这世界上 99% 的人不是对经济学一无所知，就是念了半桶水的经济学，这代表了大部分的经济评论员。因为半桶水，所以变成了市场经济原教旨主义者，这种人一发言便是笑话，一旦意见被采用了，那就是悲剧了。

在经济哲学的知识上，索罗斯只是海耶克不成器的弟子，但在投资成绩上，海耶克开法拉利也追不上索罗斯。

Related:

农民思想的智慧

农民思想的智慧

生命全保保你一生，同时，你的一生也交付了给它，因为终你一生，都要为它工作。

投买储蓄全保有如结婚，断供有如离婚，当眼前的投资可能是一生一世时，是不是该慎重考虑，而非老同学或新朋友游说几句便拍心口、挨义气去认购呢？

储蓄全保是三四十年的计划。试问大家，这么遥远的未来是可以预测得到的事情吗？

30 年前的今天，中国才开始开放，苏联还在实行共产主义，除非是先知，没有人能料到这世界30年后会变成今日的这个模杨。

现在我们开始想象，30年后的世界将是怎样的变局？

战争、恶性通胀、大型天灾、或者保险公司倒闭，谁保证未来几十年不会发生这些事情？

人无远虑，必有近忧，累积财富是必须的。

人不可能没有远见，以古代的农业社会为例，人们在丰收的年份累积粮食，但这并非为了三十年以后的养老而累积，而是为了明年、后年、大后年的“饥饿可能”而储蓄。

如果一名农民一直有储蓄粮食的习惯，在30年后，他不会无粮可吃，虽然他的储蓄只是为了明年或后年的可能需要，而非看到 30 年后。

反过来说，他储蓄了一些粮食，准备在30年后食用，但在后年时，他纵是饿死也无法动用这些 30 年后的粮食，这就是储蓄保险的本质。一看就知道是荒谬的、愚蠢的，换言之，投买储蓄全保的人的智力，还不如农民。

储蓄全保在概念上的白痴之处，就是把储蓄的功效一跳而至二三十年后，在这段时间投进去的金钱则被锁着，难以自由动用。

把这种情况套进弹性与回报率的概念：既然储蓄全保弹性太低，其回报率应该极高才对，然而储蓄全保的回报是最低的，这正是它对投资者最不利的条款所在。

无论使用哪种投资工具，包括房地产在内，在入市前，一定要先把购买的原因定义清楚。搞不清楚原则性的策略，就变成输家的先兆了。

Related:

一理通百理明

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