Indian's Investment Style

Indian's Investment Style..........
Yesterday i talked with my dad, he impressed me something about Indian..
Let see the dialogue..... Dinesh(Indian GUY), Ah Long (Loan Shark), Santhi ( Indian Girl)

Ah Long: Who need money, borrow RM1000 Give RM1000, Lelong, Lelong, Interest rate 30%

Dinesh: Santhi ar Santhi, I work for 3 years but i not ever got a hundred bulks in my saving account, How ah?

Santhi: Aiyo, Dinesh ar Dinesh, how come u didt save any money, if one day u are in urgent to use money, who can borrow to u?

Ah Long: Me la.( not involve the conversation)

Dinesh: Santhi, i know about that, but i cannot save a single bulk, i also don know why?

Santhi: Why dont u save the money everyday? One day u can save about rm20 then one month u can save about rm600 already.

Dinesh: But i feel not good in every single going to bank in a RM 20.

Santhi: I got a good idea, Ah Long, come.

Ah Long: need money?

Santhi: Yes. Can u borrow rm1000 to Dinesh.

Ah Long: why no?

Dinesh: Har, why i want to borrow money from ah long?

Santhi: u take the money first.

Ah long: okay, according to the agreement, u need to pay back the money in 100Days, include the interest, so u need to pay Rm13 to me everyday.

Dinesh: Ei, that i can afford it. Okay, no problem.
( after 600 days)

Dinesh: Hey, santhi. Thx for your advice, now my saving account got rm6000 already.

Santhi: That is great, that is skill for saving money.

Ah Long: hahahahahahahahahaha.

Do u catch the scene? 100days times rm13 become RM1300, instead of saving the rm20 everyday he can save Rm12000 in 600days. but now onli can save one in two. Is that a good investment skill? Depend on what u think. Chinese will say, stupid la, really is Indian Calculation style. But for Indian, they at least can save rm6000 in 2 years. better than some chinese who cannot ever save a single penny in 10 years.

Invest your life..........

Recently,read an article from news. It talked about investment.
Investment..... Am i need an investment? It suppose to be.
Why life need to invest? what kind of invest is suitable for us? Which investment is the most stable?
An insurance agent will say" Unit Trust, Saving Insurance, Medical Insurance are the best among all."
A share agent will say " now invest share is the best time among in 10 years."
A banker will say " come la...... FD rate is about 2.38 per annual might be the best during the economic crisis period."
A father will tell you" stupid la...... all give me la....hahaha( just a joke)."
Investment for me is a big parts of my life.....
Invest smarter work no harder....
How we start our first investment?
Share? Unit Trust? Insurance?
As a starter, i think we should invest somethink we can see vividly.....
Firstly, we need to save our main income 30% to a saving account.
After u save enough for reserve 3 to 6 months monthly outcome, then u can start to plan the next step.
After the reserve for 6 months, u can start invest your main income to 3 buckets.
What is the 3 buckets?
First bucket is the most safety among the three buckets.... Fixed Deposit Account, Unit Trust for GOLD, Saving Insurance. In this bucket, u can use over 70% of the money to those. The first bucket should save all the money of ur investment, don put all the eggs in a basket and let it become a long term investment. It is the first bucket investment's philosophy.
Second bucket might be middle long term investment........ Mortgage Investment, Bond. Commodity such as GOLD, Diamond
It might be used 20% of ur invest money in those units. Figure out some potential units for a middle long term invest, do research before invest the related units. Try to put in a potential, one aim unit to invest. The philosophy of second bucket might be think before do.
Third bucket is a short term investment....... Share, Unit Trust in Risk, Commodity such as Red Wine, Metal, Antique, Stamps. Try to use 10% of your invest money on those, don put all your invest money in the third bucket, it might be a good return but a also a high risk investment. Philosophy of Third Bucket, the money of third bucket is not your money, it mean try to assumpted that ur money is gone.
In those invest skill, we can see through that life is about invest proper but not high risk. Money management can help u to be a Financial Freedom but not a Rich. But now day people always think that invest should be earn more and more money. Comfortable life should be aim by us. Become rich is good, but good management in money is more important.
If not, Earn RM10000 spend RM12000, is that good for everybody?

All out of time.........

Time is the best medicine......Time is the gold.........Timing is the chance of business..........
Everyday......a person got 24 hours........8 hours for sleep........8 hours for work or study.........8 hours for your leisure time..........but why? Time is enough for somebody but not for others.............
In this case, Time Management is coming out to help people? Is that a good choice for anybody.......for businessman.....that is useful.........for Teenager.........haha.......that is suck(my friend teach)...... A busy fortnight...........Monday, Tuesday and Saturday have to work.........Wednesday till Friday need to study........a full of my Time Table........Only Sunday can rest......but also need to go out for social.....ha.......no time........

笑,效,孝............

华人.....最重要的是什么呢?
笑,效,孝,可以解说华人......
人与人之间的交往......最在乎的是信....但越来越多人不重视它了......
仿佛有钱就能做好朋友......可能我比较纯朴吧......应该有人会反对......
我认为人之所以要有朋友是为了方便群众.......
人不可能可以独自一个人生活........除非你不是人.......哈哈....
犹太人在处理朋友关系上可谓是世界的领先者.........
他们可以把这关系处理好是因为他们信人........
疑人不用,用人不疑..........哈哈......很像跟题目没有关系.......
笑可以解除人与人之间的隔膜.......
也可以让人放下戒备心.........
跟人微微一笑可解千滤......
华人吗.......最喜欢笑的原因也是酱........
至于效吗........英文解为Faithful........
人总要对人有忠诚吧...........
爱情也是......
事业也是.........
国家也是.........
但华人最没有的就是效.........
但孝呢.........华人认第二.....看来就没人敢认第一.........
过年的时候.........
让我发现了一件事........
爸爸的身子开始弱了........
老人家说...当他们进入55 之后.....身子就会每个月都有不同的变化......
我开始认同这句话了.........
我十五岁那年........爸爸骂我......我会觉得很烦......
但现在......我很希望他能像以前酱骂我........
可能你会说我笨......但他还能骂我的话......
代表着他的身体还健康.......
人总不能回到过去.......
拿了一些人参给他补身子.........希望他能回到以前的60%
我就满足了.......
别为了面子而跟父母吵架......
他们还能骂你是开心的事.......
别等到他们不能骂你了才来孝顺.......
祝大家.爸爸妈妈骂你们...哈哈........

心情日记第一篇..........

今天是我第一次用这网站来写日志.......

人生总有许多第一次.........

第一次学爬........

第一次学走.......

第一次打架........

第一次恋爱...........

今天做了两件第一次......

第一个是第一次坐Honda Accord....没有坐过前...还以为很好坐..

坐了后....还是觉得E-class Menzedes Benz 比较好坐....

不是因为它比较贵...两辆都是房车....但是还是后者必较好..

可能是司机问题........应该不是......车问题......哈哈

第2个呢?....就是写日志咯.......哈哈.........

坐在车的时候......听到Taylor Swift's "Love Story".......

让我想起了某人...哈哈...很想她....不知她睡了吗....哈哈....

还有一个笨蛋要骗我说二月三十日要结婚....给她打败了....

还想用这招骗人........还以为骗的到Kris....impossible......

stupid SM......next time wan to trick me please learn from me first.....

haha.....是时候睡了.........