value_investor
Publish date: Sun, 06 May 2012, 05:22 PM
value_investor
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Collection of KLSE.8k articles from a famous chinese forum in Malaysia.
He was a very dedicated investment guru who contributed his knowledge to the public.
I plan to share those old articles from my local archive to this community and hope everyone can enjoy and benefit from it.
More References: a post from another i3 member - http://klse.i3investor.com/blogs/kianweiaritcles/11579.jsp
He was a very dedicated investment guru who contributed his knowledge to the public.
I plan to share those old articles from my local archive to this community and hope everyone can enjoy and benefit from it.
More References: a post from another i3 member - http://klse.i3investor.com/blogs/kianweiaritcles/11579.jsp
Published Date: 2002-03-16
朋友问我要不要买辆名贵的二手车，他说车主要连车牌一起卖。
这车牌是单位数的，车主当年是用3万多元才标获这个号码。
一个车牌都要花这么大笔钱标下来，车主身份可想而知。
朋友告诉我车主当年的入息很好，每月都有好几万，所以买一个车牌3万多元算不了什么。现在车主的入息已经大不如前了，所以就被迫把车牌连车一起卖，先解燃眉之急。
这使我想起一位高入息朋友的话，他说高入息者社会地位高，所以开支也比一般人来得大。为了维持高水平的生活，就得有名贵汽车和高尚房屋来相配合，而这些东西都是非常的昂贵，就算月入数万元者也就得依赖贷款来购买。
而支付贷款的供期只是依靠未来钱！如果错误的高估自己赚未来钱的能力就会造成严重的伤害。
从云端跌入泥泞的滋味绝不好受。
可惜，意气风发的人是体会不到的。
事业成功的人往往会这样子的盘算：我月入万元，供辆汽车才两千元，难道还不算“量入为出”？
问题是，这“量入为出”的“入”是否能够持久？
意气风发时每个人都会高估自己的能力，只相信前面的路会越来越好走！那里会想象到天有不测风云？
当风暴来袭时才警觉，原来自己的准备功夫做得这么少！
入不敷出的人是无法储蓄的！
唯有降低生活水平才会有储蓄。
所以，懂得如何降低自己的生活水平是非常的重要！
月入10千者只要把生活水平维持如月入8千者，就可以每月储蓄2千。
月入5千者只要把生活水平维持如月入4千者，就可以每月储蓄1千。
最重要的是：尽量不要去提高自己的生活水平！尽量不要去追求太高的物质享受！
如此这样才能够增加储蓄。
那么，懂得储蓄是否就会有美好的将来？
有位朋友正在努力的储蓄，几乎每天都加班。
他太太也是上班族，所以两人的入息加起来也很可观了。
他告诉我，其实他们现在的入息已经可以使一家人舒服的过日子。
但是，想起将来孩子的教育费，算一算，只剩下短短的10年就要退休了，所以就得拼命的储蓄，为将来美好的日子努力，再努力。
超额的工作量，吃掉了所有的时间，使他失去思考“钱赚钱”的机会。
所以，他只知道如何运用“人赚钱”来累积财富，却从来都不敢去想如何运用“钱赚钱”。
退休前努力的工作，才能保障将来的好日子，这就是他的想法。
我当然相信他的“未来”是美好的。
但是我也相信他的“现在”是苦了点！
努力的工作只可以短短的几年，绝不可以做到退休！
人生绝不是为了工作！
累积财富真的需要靠“人赚钱”吗？
我当然不相信！
我只相信“钱赚钱”才是最快累积财富的方法。
开始的几年是“人赚钱”，过后就要靠“钱赚钱”了！
用“钱赚钱”我们才能够腾出时间来享受人生！
工作量少，轻轻松松，没有压力就是最美好的生活！
这一切都是要懂得“钱赚钱”才可以做得到的！
所以我常常跟朋友讲，只要不急着提高物质享受，就可以减少工作量，把时间用来享受美好的生活和思考如何“钱赚钱”。
只要懂得如何“钱赚钱”，我们的未来就是美好的了！
可惜，这简单的道理很少人能够明白。
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Note: Translated as per above. P.S: Please give correction if the translation is wrong in any way. Thanks friend.
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A friend asked if I wanted to buy a luxury used car, he said the owner of a vehicle license plate sold with.
This license plate number of units, the owner was marked by this number more than 30,000 yuan.
A license plate to spend such a large sum of money marked down, the owners identity can be imagined.
The friend told me that the owners of the year, income very good, every month, tens of thousands, so buy a license plate more than 30,000 yuan nothing. Owners of income has been watered down, so was forced to put the license plate even have a car together to sell to meet their urgent needs first.
This reminds me of a high into the interest of their friends, he said the high social status, high income and spending is far greater than the average person. In order to maintain the high standard of living, you have to matched by luxury cars and noble housing, while these things are very expensive, even into the tens of thousands of dollars and have to rely on loans to buy.
Loans to pay for the period just rely on the future of money! If the error is to overestimate their own ability to earn future money will result in serious injury.
From the clouds fall into the muddy taste is bad enough.
Unfortunately, the high-spirited people can not understand.
Success often such calculations: monthly income of million, two thousand dollars for cars, do not "living within our means"?
The question is, "living within our means," the "in" is to be durable?
High-spirited when everyone will overestimate their abilities, only believe the road ahead will be more good to go! There would be to imagine a bolt?
When the alert when the storm hit, the original, the preparatory work done so little!
Savings to make ends meet!
Only reduce the standard of living will have savings.
Therefore, to understand how to reduce their standard of living is very important!
Monthly income of 10 keV only the standard of living to maintain their monthly income of 8,000 who, on a monthly savings of 2,000.
5,000 monthly income as long as the standard of living to maintain their monthly income of 4,000, on a monthly savings of 1,000.
Most important thing is: Do not try to improve their standard of living! Try not to pursue the material comforts too high!
So this way can increase savings.
So, understand savings whether it will have a future?
A friend is trying to save almost every day to work overtime.
His wife is also a white-collar workers, so the income of the two together is also very impressive.
He told me, in fact, their income can make a comfortable live.
However, think of the future child's education expenses, calculate, only a short period of 10 years to retire, so you have to desperately savings for the future a better day efforts to further efforts.
Excess workload, eat all the time, he lost the opportunity of thinking about the "money money".
Therefore, he only knew how to make money "to accumulate wealth, but never ventured to think about how to use the money to make money.
Hard work, prior to retirement in order to safeguard the future the good old days, this is his idea.
I certainly believe that his "future" is OK.
But I also believe that his "Now" is a hard point
Hard work can only be a short period of years, never do retire!
Life is not to work!
Really need to accumulate wealth by "money"?
I certainly do not believe it!
I believe that the money to make money "is the fastest accumulation of wealth.
The first few years is "making money", and after that to rely on "money to make money."
"Money money" we have been able to make time to enjoy life!
Work less, easy, no pressure is the best life!
All this is to know how the money to make money before they can do it!
So I often tell my friends about, in no hurry to improve the material comforts, you can reduce the workload, time to enjoy the good life and think about how the money to make money.
Anyone who knows how the money to make money, our future is better!
Unfortunately, this simple truth very few people can understand.
2012-05-22 12:19
Dear Namoyaki Takarajima, thanks for the kind effort to translate this article to English!
2012-05-22 13:27
dear brothers & sisters, i borrow a translation software from my friend. i thanks the authors for posting such beautiful stories for us to read during rush-hours. i read this stories while i am on the bust just now. in the bus, my heart telling me to help people who need to know about saving, but my mind telling me to be quiet! God.
All in all, this noble story is very sweet and very touching especially reading the Husband and Wife saving part.... i feel very sad. BTW, Let's wait for more touching stories from our fellow Malaysian if they may write about investment in their way. This noble stories helps us to value life and friendship. :) Love.
2012-05-22 13:44
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2012-05-06 20:00