have a similar sort of attitude towards money.I am still using a hand-me-down cheap nokia from my mum-in-law and my wallet is a rugged 15 falling apart item and will still use the bike except when it rain,Pg is a nice pl for biking.Kiam-siap? To each his own!Of course we splash on our selves once in a while.Way to go.

Yes I think what CP wrote made a lot of sense.Shares bought for long term investing could become junk only if you let them become junk.The companies which you bought your shares in need to be attended to.When the prices of the shares exceed their valuations then its time make the decision to sell. This is one of the reasons why long term investors sell and become incidental trader, they buy the shares back at a future date when the prices has fallen back to an attractive level.If the fundamentals deteriorate then there will be no buy back.We all then to be lazy, not putting in the effort and not learning to up grade our knowledge. That is one of the reason why people lose money.Other reasons why people lose money depend on their motive when dap in the stock market. I admire people who put a lot of work in posting their blog.People with substance and common sense.FD 3%.Banks earn much more than that using your FD money and give you 3%.Ha!!

Yes I quite agree with Carries.I started to actually do a bit of homework the stocks that I was going to buy.Bought and hold until price exceed fundamental and then sell. And I am in the possitive even in bad times.I wonder whether your e-learning will of held to me. I am interested CP.