What A Waste!

A person that influenced me to make lots of money in property is not a old seasoned man. He is not other than this young man - Mervin Chow! The last i has contact with him was in Mar 2011. Not knowing that he has passed away in July 2011. Only got to know this news after 2 years. Those who has read his report on Property Mania issued in 2009 will know what meant a waste.

RIP Mervin.

What is life about.

I believe a lot of people has been asking this question. Various walk of life have difference expectation of how their life should pan out. i m closed on forty now. Flash back, for the last 15 years i always wonder whether i lived my life!! Started with just stepped out from University, got on to the first job that last for 4 years. During this period, life was only one word - WORK! Then the next 5 years was about buying house + buying car, getting married resulted in accumulating debts commitment. In order to serve the commitment, life during this stage is 2 words - WORK HARDER. For the last 5 years, it was about looking for bigger house + bigger car + kids education funds hence 3 words - WORK EVEN HARDER. So it is really time to sit down to re-strategies whether i want my life to be WORK EVEN MORE HARDER!

Enjoy this video!

The Definition of Wealth

  Only if this concept is taught in school!

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The Definition of Wealth

Posted on: Tuesday, May 28, 2013|Written by: Robert Kiyosaki

Why being wealthy is different (and better) than being rich

When I was a young boy, my rich dad told me about the difference between the rich and the wealthy.
“Many people think that being rich and being wealthy are the same thing,” said rich dad. “But there is a difference between the two: The rich have lots of money but the wealthy don’t worry about money.”
What rich dad meant was that while the rich might have lots of money, they also might have lots of expenses that keep them up at night. Or they might have a high paying job but have to get up to work everyday and have fear of getting fired or laid off.
The wealthy, on the other hand, don’t have these worries. Why? What’s the difference?
 
The definition of wealth
The definition of wealth is the number of days you can survive without physically working (or anyone in your household physically working) and still maintain your standard of living.
For example, if your monthly expenses are $5,000 and you have $20,000 in savings, your wealth is approximately four months or 120 days.
Wealth is measured in time, not dollars.
 
The difference between being rich and being wealthy
In 1989, Kim and I became millionaires, but we weren’t financially free until 1994. This is because there’s a difference between being rich and being wealthy. By 1989, our business was making us a lot of money. We were earning more and working less. We had what most people considered financial success.
Though we were rich, we still were not wealthy; much of our time was spent working to build our business and its systems. Our goal was to build the business to the point that it would cover all our expenses from cash flow each month—without us working. Additionally, we were invested in other assets like real estate and commodities to add to our cash flow.
By 1994, the passive income from our business and assets was greater than our expenses. At that point, we were wealthy, not just rich.
 
It’s not what you make…
Ultimately, it’s not how much money you make that matters but how much money you keep—and how long that money works for you.
Every day, I meet many people who make a lot of money, but all their money goes out of their expense column. Every time they make a little more money, they go shopping. They often buy a bigger house or a new car, which results in long-term debt and more hard work. Nothing is left to go into the asset column. It’s this kind of behavior that separates the rich from the wealthy.
I like the fine things in life just like everyone else; the difference is that I don’t have to work to purchase them, or go into deep debt. Rather, I spent the time necessary to be smart with my money, work hard, and build a business and investments that provide enough cash flow each month to cover my expenses—including my fun liabilities like cars and houses.
I don’t work for my money. It works for me.
Lots of people can become rich. But only financially intelligent people can become wealthy—and that takes a strong financial education that allows you to build cash-flowing businesses and assets.
The rest is just playing at wealth, and a lot of worry.
Wanna be wealthy? Learn how by joining our free, financial education community here.

Absence

Wow, has been absence for almost 2 months. Has been very busy with my personal matters and work. Further there are nothing much to talk about the Malaysian market as shrewd investors are keeping sideline before the GE 13 is finalised. I strongly believe the last three weeks technical rebound is absurd. We are talking about just another 2 months to Parliament to be compulsorily dissolved,  rather GE 13 could happen any time now how could it still gain support from long term investor? But there are thousand of reasons why people involved in the market. So trade the trend. if market is pointing up although you dont think so, you still have to follow. Off course you can choose to stay sideline.

KLCI Plunge 45points in one Day

I think this could be the picture of the year.

The Fed Doubles The Dosage

How? The bubble is getting bigger and bigger. I believe a lot of naysayers have been speculating another global recession is around the corner many moons ago. But with another round of QE3,4 or 5? lost count! Most of the tangible class of assets have or will be appreciated / inflated. If you intend to accumulate wealth true investing earlier but has not done so due to following the saying of the negative outlook of world economy, you would have banged your head now. Hoping the price will come down as a result of bad economic conditions, instead price has rise to a new level. 

Really, there is no real good time to invest in assets. Investment should be a program / system to be consistently apply whether good time or bad time. Whenever you are financially ready you should invest, not overly affected by opinion of someone - who may be just a naysayer. Whether what was predicted will eventually happen or not is everyone guess. Investment conditions will not turn in light speed. Losses may be incurred due to wrong judgement if naysayer is right! if wrong cut loh, is part of a success journey. What if you are right! the rewards is marvelous! Catch the opportunity whenever it arises. A bird in hand is better a couple in the bushes!  

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The Fed Doubles The Dosage

Posted on: Saturday, December 15, 2012|Written by: Richard Duncan

On December 12th, the Federal Reserve announced the most aggressive program of monetary stimulus ever undertaken in peacetime. Beginning in January, the Fed will more than double the amount of fiat money it creates each month from $40 billion to $85 billion. On an annualized basis that amounts to more than $1 trillion a year. This week we will consider 1) What they did; 2) Why they did it; and, 3) What impact it will have on asset prices over the short-term.

 What They Did:

In a nutshell, the Fed announced it will more than double the amount of fiat money it creates each month and that it will use that money to buy government bonds and mortgage-backed securities until the unemployment rate drops substantially or until the inflation rate accelerates. The press release stated:  “…the Committee will continue purchasing additional agency mortgage-backed securities at a pace of $40 billion per month. The Committee also will purchase longer-term Treasury securities … initially at a pace of $45 billion per month.”

Take note of the word “initially”. That strongly suggests the Fed may soon increase the amount of money creation beyond $85 billion a month.

Furthermore, the Fed also pledged to keep the federal funds rate at 0 – ¼ percent “at least as long as the unemployment rate remains above 6 ½ percent, inflation between one and two years ahead is projected to be no more than a half percentage point above the Committee’s 2 percent longer-run goal, and longer-term inflation expectations continue to be well anchored.”

In other words, the Fed intends to keep interest rates near zero percent and to continue creating fiat money at an annual rate of $1 trillion (or more) a year until it succeeds in bringing down unemployment or until inflation becomes a threat.

Why They Did It:

I believe the Fed took these unprecedented steps because it is terrified the world is dangerously close to spiraling into a new great depression. As I have explained before, credit growth in the US has fuelled economic growth in the US and, therefore, the world since World War II. Since 1952, any time total credit (adjusted for inflation) expanded by less than 2% during a year, the US economy has gone into recession. Now, it is not increasing at all.  Consequently, the US economy is very weak. Imports into the US were no greater in the third quarter of 2012 than in the third quarter of 2011. US imports have acted as the driver of global economic growth since the 1980s. Now, with imports flat, world trade has ceased to expand – and there is a very real danger that it will begin to contract. The Fed hopes that its money creation will spur credit creation by pushing down interest rates and by pushing up asset prices, thereby, preventing a downward spiral into depression.

The Fed’s fears have been exacerbated by the danger posed by the “fiscal cliff”. Even if this politically induced fiasco turns out to be only a fiscal ditch (as I expect it will), it will still inflict at least some damage on the economy in 2013 and beyond.

 What Impact Will It Have?:

The Quantity Theory Of Money states that any time the quantity of money is increased, it will cause inflation. But there are different kinds of inflation. What kind of inflation will QE 3 cause?

I expect it to cause asset price inflation. As the Fed creates money and buys $85 billion worth of assets each month, that money will be reinvested into other assets and push up their price. That is certainly what the Fed hopes will happen. That is what QE 3 is designed to do. Therefore, the price of stocks, bonds and real estate should appreciate.

I also expect commodity price inflation. The price of food and metals – including gold and silver – seem likely to move up. The near-term direction of oil is less certain given the enormous surge in oil production in North America and the rapid development of alternative energies that will eventually drive the price of oil sharply lower.

The expanding supply of dollars should exert downward pressure on the value of the dollar relative to other currencies – unless the central banks of other countries follow the Fed’s example and expand the quantity of their currencies as well. It is highly probable that many central banks will choose that course – creating money to buy assets denominated in their own currencies to boost their domestic asset prices or else to buy dollars in order to prevent their currencies from appreciating to protect their export industries. In either case, this will further add to global liquidity, resulting in still more asset price and commodity price inflation.

Thus, the Fed’s strategy of creating more money should succeed in stimulating the global economy in the near term by inflating new asset price bubbles that create a “wealth effect” that underpins consumption. This strategy cannot succeed over the long run however unless accompanied by additional policies that boost median income in the US and globally. Unless wages rise, the public will soon once again be incapable of paying the interest on the money they borrowed to purchase the inflating assets. Then the asset price bubbles will pop and a new and much worse crisis will ensue.

Economic management through bubble creation is not a viable long-term solution to a global crisis caused by unchecked, credit-induced economic bubbles.

Posted on: Saturday, December 15, 2012 | Leave A Comment | Written by: Richard Duncan

Falling & Surging Stock

Falling Stocks @ 121212 

1. Airasia - 2.78
2. SPSetia - 3.10
3. MAS - 0.78
4. Lionind - 0.93
5. Annjoo - 1.33
6. MRCB - 1.58
7. Kimlun - 1.38
8. Canone - 2.43
9. Rsawit - 0.82
10.KNM - 0.42
11. JCY - 0.43
12. KHSB - 0.36

Surging Stocks @ 121212
1. Perdana - 1.03


Correcting Stocks @ 121212
1. Oldtown - 2.00
2. Padini - 1.80
3. Scomi - 0.38

What Are You Working For - A Financial Education or a Job?

Posted on: Tuesday, November 20, 2012|Written by: Robert Kiyosaki

The rich work to learn, the poor work to earn

My poor dad said, "Job security is the most important thing."
My rich dad said, "Learning is the most important thing."

In the movie Jerry Maguire, there are many great one-liners. But there is one that I found particularly truthful. Tom Cruise's character is leaving his high-paying job to start his own agency after being fired, and he says, "Who wants to come with me?" The whole place is frozen and silent, looking down at him. Finally, one woman pipes up and says, "I'd like to, but I'm due for a promotion in three months."

Sadly, this is the mindset of most people when it comes to work. Rather than look at work as an opportunity to grow and learn, they look at work as a necessary evil and try to get as much money from their job as possible.

As a young man, I faced the same decision as the woman in Jerry Maguire. After graduation from the Merchant Marine Academy, I had a good career ahead of me. My first job was on a Standard Oil of California oil-tanker fleet as third-mate. I made $42,000 a year, including overtime, and only had to work seven months of the year. My poor dad was very happy.

After six months, however, I resigned my position with Standard Oil and joined the Marine Corps. My poor dad was devastated, but my rich dad congratulated me.

The reason I joined the Marine Corps was to learn new skills. I wanted to learn how to be a pilot and to learn how to lead others into difficult situations. I knew that the leadership skills I learned in the Corps would benefit me greatly in life and business.

After my tour of duty, I had the opportunity to get a steady paying job as a commercial airline pilot. Instead, however, I took a job with Xerox as a salesman. Again, my poor dad was devastated and my rich dad was happy. Though I could have had a comfortable life as a pilot, I wanted to learn the skill of sales. I knew that skill, coupled with the leadership skills I learned in the Marine Corps, would make me rich.

 

Specialist vs. generalist 

The fundamental difference between my poor dad's philosophy and my rich dad's philosophy about work was one of specialization versus generalization.

My poor dad believed that the best thing to do was to become increasingly specialized in your work. He admitted that people were paid more for knowing more and more about less and less. This is why he was so proud to get his doctorate. Yet, he always struggled financially.

My rich dad believed that the best thing to do was to become a generalist and to know a little about a lot. He said the best thing to do was to work in many areas of a company and pick up skills rather than a profession. He knew the best way to get rich was to be able to lead specialists across a wide spectrum of departments in a company.

Can you cook better than McDonald's?

Sometimes when I'm teaching a class, I'll ask, "How many of you can cook a better hamburger than McDonald's?" Nearly everyone in the room will raise their hand. I'll then ask, "If you can cook a better hamburger, how come you're not richer than McDonald's?"

The obvious answer is that McDonald's is better at business than they are at making hamburgers. They have developed sophisticated sales and business systems and skills that equal success. The reason why most people are poor is because they're so focused on making the better hamburger but not developing the best business systems and skills.

 

Work to learn not to earn
Today, you're faced with these same choices. Will you work to earn, holding onto security over opportunity? Or, will you work to learn (and get a financial education), giving up some security to embrace greater opportunity?

Most people will follow the conventional wisdom and choose to work to earn. But if you want to be rich, I recommend that you work for what you want to learn rather than what you want to earn. Figure out what skills you want to acquire before choosing a specific profession and before getting trapped in the rat race.

 

What skills do you need to acquire to live a rich life?

Posted on: Tuesday, November 20, 2012 | Comments (14) | Written by: Robert Kiyosaki

A disappointment to all young Malaysians — Ong Kian Ming

A good article indeed. Ong Kian Ming, Tony Pua, Khairy, Rafizi and so on are the type of new generation leaders that will survive is the current politic climate. I believe school teachers, government servants, doctors, lawyers are no longer so suitable to be politician ("Old Gen"). Old Gen is suitable after Independence is because they has strong support from grass roots. By virtue of the Old Gen's profession who dealt directly with grass roots has given them advantage of others. In 1960s right up to 1980s, majority of Malaysian are poor, the demands from the grass roots are basic in terms food, place to stay, drainage problem, electricity and very domestic in nature. 

 

Now Malaysia has grown moving to achieving developed nation by 2020, the Old Gen is no longer applicable. The country requires new generation of leaders who has vision and capable to look at wider scope of things to shape the future of the country. For me the domestic issue should be taken care by the local experts. We as voters should select someone that is intelligence enough to debate important issue in the Parliment but no handling domestic issues. 

 

So the big question here is who knows the best about future of a country? The answer is god knows.  Hence when a country is venturing into an unknown territory, the policy makers need to be open to debate about the pros and cons before the decision is made. Hence one of the key traits of new generation leader is ability to debate. 

So CTY, please do not chicken out. step forward and show us your talent. 

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November 22, 2012

NOV 22 — I had the opportunity to have lunch with Chua Tee Yong (CTY, hereafter) before I joined the DAP. I was grateful for this opportunity given that I had already written a few less-than-complementary articles about his father, Dr Chua Soi Lek, in his capacity as MCA president. I wanted to meet up with him because I had been somewhat impressed by the manner in which he handled himself in Parliament. He was articulate in his parliamentary replies and he responded coolly and calmly to the supplementary questions thrown his way. I thought that this MCA leader, in his capacity as the chairman of his party’s Young Professionals Bureau, could raise the overall level of political discourse by attracting more qualified young people to be engaged in the political landscape. I never thought that less than a year later he would instead drown in a puddle of his own making, snuffing out whatever little hope his party had of rejuvenation and regeneration.

The cause of CTY’s massive loss of what credibility he may have had is well known — the so-called RM1 billion Talam “scandal”. When he first announced this “scandal”, many of us in the opposition were worried that he had actually uncovered an issue that could potentially sink the Pakatan government in Selangor. He displayed tremendous confidence which we now know was actually ignorance masked by cockiness. The utter baselessness of his accusations has been exposed by my colleagues in Pakatan. I don’t need to go into the details here except to say that he has been faulting the Selangor Pakatan state government for trying to retrieve debts owed to the state, something which the BN federal government has failed to do time and again because of “obligations” to cronies such as those behind the PKFZ scandal, the NFC scandal, the MAS bailout, and a long list of other real scandals. The public at large, with access to alternative sources of information, have also figured out that CTY is barking and continues to bark up the wrong tree, especially after the recent release by the Selangor state government of the Talam White Paper.

What I will highlight is the utter disappointment that CTY has been to the young people of Malaysia. The political landscape post-GE2008 had been thrown wide open. Given his privileged position as a new MP who had inherited his father’s seat in Labis, Johor, his rapid promotion to the position of a deputy minister and the access to the resources of the MCA and indirectly, the Star, CTY could have been a noteworthy young leader in influencing the political landscape especially among young Malaysians. 

A small but growing number of young Malaysians were awakened politically post-GE2008. Many of them were looking for direction, for avenues to be more politically engaged and for young political leaders who could inspire and perhaps even lead them. CTY could have positioned himself as one of the key young BN leaders to watch by engaging in thought leadership on the important issues of the day including political reform and economic transformation, by taking on Pakatan on substantive issues (read: NOT TALAM!), by building a team of young aspiring leaders to renew his flagging party, by having meaningful engagements and reaching out to the younger generation through the strategic use of social media, by taking strategic contrarian positions to set himself and his party apart from the larger BN infrastructure, just to mention a few. I’m sure there are (hopefully!) many experienced and politically savvy MCA leaders whose advice he could have followed in order to take full advantage of the changed and changing political landscape.

Disappointingly, instead of taking the bull by the horns and charting out a new progressive direction of leadership, he has squander his privileged position in the manner in which he handled the one issue that will define him for many years to come — the non-scandal of “Talamgate”.

The Talam issue is a financially complicated deal with many moving parts. Even though I think there was no basis for CTY to use this issue to attack the Selangor state government, he could have potentially salvaged some pride and his reputation by at least agreeing to have a debate with any one of the Pakatan MPs from Selangor who were more than willing to take him on. If he was that convinced of his case and if he was confident that he could convince the larger public, he should have taken up one of the many offers made to him to have a public debate with — Tony Pua, Teresa Kok, Dr Dzulkefly Ahmad and William Leong. By doing so, he would have put himself in the firing line and perhaps come away with some “street cred” for daring to take on some of these Pakatan heavyweights. Instead, he chickened out. Worse yet, he failed to allow a single Pakatan MP to be heard when the MCA organised a discussion/debate on Talam because he insisted on debating with the Selangor MB, Khalid Ibrahim (this is akin to Tony Pua wanting to debate with the PM), who instead sent four able and willing representatives (three Pakatan MPs and his political secretary) to answer CTY’s allegations.

Perhaps he should have followed the example of some of his BN colleagues who have responded to the changing political times. Umno Youth chief Khairy Jamaluddin does not seem to have an issue with debating PKR’s director of strategy, Rafizi Ramli, not once but twice, even though Rafizi does not hold any elected position within his party. And Khairy regularly shares the same platform in panels and dialogue sessions with younger Pakatan leaders such as Nurul Izzah, Tony Pua and Anthony Loke. 

Does CTY perceive his political stature to be above that of Khairy so much so that these sorts of political engagements are beneath his office? Or perhaps he thinks that such debates and dialogues are not part of Malaysian culture? If so, he should take the lead of a fellow BN deputy minister, Saifuddin Abdullah, currently deputy minister for higher education. Saifuddin regularly engages not just with Pakatan politicians but also many NGOs including youth groups from a wide spectrum of society and political leanings. It is worth highlighting that Khairy and Saifuddin have been working with MCA Senator Gan Peng Sieu, who is also the deputy minister for youth and sports, rather than CTY on making stands against certain government positions including urging the government not to appeal the decision by the Court of Appeal that section 15 of the Universities and Universities Colleges Act (UUCA) is unconstitutional as well as making a stand against the controversial amendment to section 114A of the Evidence Act.

CTY’s Talamgate attacks have negative political repercussions not just for him but also for his party and the BN. The fact that an MCA politician from Johor had to be “catapulted” to Selangor to lead the charge against the Selangor government speaks volumes about the confidence which Chua Soi Lek has in Selangor MCA chairman Donald Lim Siang Chai. The fact that Chua Soi Lek has to use this channel to promote his son also speaks volume about the leadership dynamics within the MCA, especially with regard to the availability of young and articulate leaders. Sadly, this is a reflection of a larger systemic problem within the BN component parties, namely the lack of young, inspiring thought leaders which has led to the ceding of more and more political ground to the ever-dominant Umno.

Not that I should be complaining. CTY’s antics are definitely helping convince the voting public that BN, especially the MCA, is a lost cause. But from a perspective of someone who thinks that raising the level of political discourse and increasing meaningful youth participation in politics on both sides of the political divide is a positive and necessary step for the country, CTY’s inability to take advantage of his privileged position is very disappointing indeed.

* Ong Kian Ming is the DAP’s election strategist.

* This is the personal opinion of the writer or publication and does not necessarily represent the views of The Malaysian Insider.

Politician Can't Save You!

A good article from Robert Kiyosaki indeed!

Whether its is Romney or Obama become the new President does not really make a different. The US economy is will continue to be sucks. It is a structural issue! The debts level in US is too huge for any new President to make a change. The Politicians are just puppet of the rich. They help the rich not the poor. Should they tell you they are helping you, is just because they need your vote! It is not really they want to help you.

In Malaysia context, the date fixing for 13th general election created enormous uneasiness to the business communities. A lot of investment decisions were delayed awaiting for the outcome of the 13th GE.  Both ruling and opposition parties claimed to be champion in running the country.  For me, both are conman. whether Najib and Anwar becoming the new PM, it has no positive impact to layman like us. It only creates impact to their cronies not us. so people do not get so excited.

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'Tis the Season (to Pass Blame)

Posted on: Tuesday, November 06, 2012|Written by: Robert Kiyosaki

Life’s Feedback Provides a Financial Education

This week, we elect a new president.
For many, elections are emotional roller coasters. This is because they place much, if not all, their hope in politicians to save them. I'm amazed each election year how much time, energy and money some people put towards their favorite candidate. I'm also amazed at how elated or devastated those same people become when their candidate wins or loses.
Bred to blame
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From a young age, we're taught to rely on others for our well-being. This starts, of course, with our parents who take care of us and feed us. This then moves to school where we're taught by our teachers, fed by the lunch crew and perform for a grade. It then moves to work where we're paid for our time and rewarded for our good efforts with promotions.
Given this, when things go badly, we're often prone to blame others.
For instance, if we have a hard childhood, we blame our parents. If we get bad grades, we blame our teachers. And if we don't get promoted, we blame our boss.
Politics is no different. Most people believe that a politician will save them. If the economy is bad, like it is now, we assume it's the government's fault. And there is no season where blame is passed around more than during an election year. All you have to do is watch the commercials.
Moving beyond blame
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And while there is a measure of blame in others that is rightly found in all these instances, it's very rare that we stop blaming others and take a good hard look at ourselves.
One afternoon, I was teaching how to invest using my financial education board game CASHFLOW® as a teaching tool. A friend of mine brought along a friend who was recently divorced, had been badly burned in the settlement, and was searching for some answers. Her friend thought the class might help her out.
In the opening round of the game, this woman drew a "doodad" card with a boat on it. At first she was happy. "Oh, I've got a boat!" she exclaimed. Then as her friend explained the numbers and how a boat was not a good thing in the game, she got frustrated because she had never liked math. When she finally realized how the numbers worked, it dawned on her that the boat was eating her alive. Later in the game she also was downsized and had a child. It was a horrible game for her.
After the class, this woman was upset. She had come to learn about investing, not play a silly game.
Her friend tried to get her to look within herself to see if the game reflected her in any way. The woman said that was ridiculous and left.
This woman's friend later called to give me an update. She said that her friend had calmed down and could now see some slight relationship between the game and her life. Although she and her husband had never owned a boat, they did own everything else imaginable. Her husband had run off with a younger woman after twenty years of marriage and she realized they had nothing to their name after all that time. All they had were doodads.
She realized that her anger during the game came from the realization that she didn't know how to manage money and do the math required. She was embarrassed. She had believed that it was the man's job to handle the finances, and now she believed that her husband had hid money from her in the last five years of their marriage. She was angry at herself for not being more aware of where the money was going, as well as for not knowing about the other woman.
When life gives you feedback...
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Just like a board game, the world is always providing us with instant feedback. This woman learned a valuable lesson. While her husband was certainly to blame for her place in life...so, was she. She had severely limited herself by relying on others to take care of her. Instead, she should have been working with others while taking care of herself.
This week's election is an opportunity for instant feedback. As you watch the results come in, take note of how you react. What does that reaction say about you and where you place your hope? If the news isn't good about how you react, what are you going to do about it?
I've said it before, politicians cannot save you. Only you can.
Rather than blame others for where you are in life, today I encourage you to look within yourself and see where you can make changes personally, which will lead to changes financially. In fact, I'd say that would be a much better way to spend election night than watching—and fretting—as the results come in.
Where are you going to make changes personally and financially today?
For more information, please see our free, financial education community here

Posted on: Tuesday, November 06, 2012 | Leave A Comment | Written by: Robert Kiyosaki