How Tze 浩知

Operating Principles for Impact Investing - boost growth, alleviate poverty, advance shared prosperity. Political Risk Insurance Cascade approach - using scarce public resources to leverage private sector solutions Egypt Solar Park Cameroon Power Plant 2 examples of how operationalizing the cascade across the bank group. Maximize finance for development. Spread this breakthrough throughout the financial community. THE POWER OF PARTNERSHIPS: MOBILIZING FINANCE AND UNLOCKING PRIVATE SECTOR SOLUTIONS

Fear is a powerful motivator. If my money was going to drop 50% I'd take it out ASAP, wouldn't you? Run on banks started in Greece ... It is imperative that we all understand that just because the global financial system works a certain way today does not mean that it must always work that way...Read more at The Bank Runs in Greece Will Soon be Followed by Bank Runs in Other European Nations If you have a few minutes, watch an incredible speech by a 12-year-old Canadian girl named Victoria Grant. In this 6 minute speech, she details how the bankers are defrauding the people of Canada and how the Canadian government does not actually need to borrow a single penny from the bankers....If a 12-year-old girl can figure this out, then why can't the rest of us? Check out the video where Victoria Grant spells out the fraud the banks are committing against the people. Victoria Grant explains why her homeland, Canada, and most of the world, is in debt. April 27, 2012 at the ...

An old bank savings passbook from Kwong Yik Bank. Stated in the cover: If you try hard enough, you can be whatever you want to be.

物价上涨10%是如何让穷人越穷，富人越富 关键在于 可支配所得 ：收入减必要支出后剩下的金额。 可支配所得大多用在储蓄或提升生活品质的事项，可支配所得越高的家庭，对于未来收入的贡献会越来越大，因为不论投资也好，教育也好，这类支出对于家庭未来的生活品质，财务状况都有所助益。 举例： 在物价上涨前，四个一般家庭收入、支出与可支配所得比率： 家庭收入 支出 可支配所得比率 40,000 38,000 5% 80,000 65,000 18.75% 200,000 100,000 50% 400,000 120,000 70% 当物价上涨那“区区 10％”后： 家庭收入 支出 可支配所得比率 40,000 41,800 -4.5% 80,000 71,500 10.6% 200,000 110,000 45% 400,000 132,000 67% 民生物资上涨，低收入家庭可支配所得会变成负数，这种家庭恐怕从此陷入贫穷的循环；本来可以收支平衡的家庭落入贫穷循环，而本来小康或中上的家庭则被逼需要缩衣节食以平衡收支。 对于超高收入的家庭来讲就只不过少买一个 LV 包包。(烂船还有三分钉的最佳写照) 这种影响会造成什么后果？ 黄国华，钞票的重量 While Wall Street hangs on every quarterly GDP report, monthly jobs number, and weekly jobless claims tally (all of which get revised significantly later on anyways), there are much bigger trends that reveal a lot more about the economy and the markets. One of the most important is disposable income. If 70% of the economy is consumer spending, you can bet how much money consumers hav...

投资这玩意最大秘密就是：“运用人们想要不劳而获的惰性，诱使人们抱住资金进来很难钻出去的金融迷宫。” 金融表面的工作是 market maker, 但本质上却是 money maker。 帮助大户出货，协助建商炒地皮，诱使年轻人过度消费，让存款户被通膨侵蚀，销售投资人不需要的金融产品，鼓吹社会过度“金融投资”的风潮，晴天借伞雨天收伞，提供政商勾结的金钱舞台...用一种悲观的角度来看金融业，它没有创造多少正面的社会价值，但若从一种乐观的角度来审视金融业，它既然是个 money maker，那它是唯一一个可以让人不必依靠家世背景、性别年龄、学历门槛或党派宗教就可以投机（资）致富的地方。 既然金融业是个让年轻人投机致富的好场所，更是个高级又充满庞大铜臭香味的赌场，能够掌握这个赌场的筹码发牌权、分配权或兑换权才能成为这个行业的赢家，不然至少也得挤在发牌者、庄家或大赌客的旁边，起码当利多来临时，总有些赢家会发点小费，否则 永远窝在赌场的机房、餐厅、门外当个小职员，不论筹码如何流动，不论庄家或赌客的赌局如何地精彩，永远没有致富的机会。 不论外商银行或外资劵商的规模有多大，即便是大到不能倒的程度，如果只是一个位居其底层的过劳工蚁，绝对没有资格进到赌场核心去玩那些筹码。碰不到金融业筹码的人，顶多就是一个月领几万块钱，做到四十来岁被放在“战力外名单”，成为下一波被裁员、放无薪假或减薪的优先名单，四十五岁就列为“优先退休名单”；所以， 不论赌场大小，能跻身在金融赌局比起名片上响亮与否的公司名称来得重要 。 - 当个操盘人或交易员，图的固然是分红，否则谁能够忍受那种长时间加班且没有生活品质的工作呢？ - 想要在金融业界工作又能够拿到高额奖金，要有一个必要条件与充分条件：必要条件是能够创造盈余，充分条件是这些盈余不能让别人抢走并且得要事先布局，这种分红的布局比投资布局难上百倍。 - 一个厉害的操盘交易主管必须同时具备“创造盈余”或“隐藏盈余”的本事，隐藏盈余的重要性不逊于创造盈余。浑水当然是用来摸鱼，在浑浊的水塘中自然会形成一些特殊的生态。 - 金融界的利润来自两大范围：一是进场赌博，二是出货做庄。如果要出货做庄家就得聘请一大堆业务员，如股票营业员、银行理专、保险业务员、房贷专员等等，特别是股票营业员与理专，他们的工作不是报名牌就是卖商品出货，换句话...

Dear Occupy Wall Street, I completely understand your anger and commend you for having the courage to do something about it. Henry Ford, founder of Ford Motor Company  said nearly a century ago , " It is well that the people of the nation do not understand our banking and monetary system, for if they did, I believe there would be a revolution before tomorrow morning. " And that was before the government financial system really got good at stealing from and impoverishing us.  Today, if we all really had any idea as to what has been done to us by the system there’d be 6.8 billion people involved in these protests.   However, there is a very, very important piece of the puzzle that you have missed completely. In order to understand why, you have to realize one thing.  You have been brainwashed. Don’t feel too bad, we all have been. Thomas Pynchon said, " If they can get you asking the wrong questions, they don't have to worry about the answers. "...

Kidnapping the world with a structured and well planned financial crisis? ------------------------------------------------------------------------------------------------------------------------------- Thinking the Unthinkable in Europe ------------------------------------------------------------------------------------------------------------------------------- Measures will have to be taken to prevent a financial meltdown in the eurozone as a whole. First, bank deposits must be protected. At the same time, the European banking system would have to be recapitalized and put under European, as distinct from national, supervision. Finally, government bonds issued by the eurozone’s other deficit countries would have to be protected from contagion. The last two requirements would apply even if no country defaulted. So there is no alternative but to create the missing component: a European treasury with the power to tax and, therefore, to borrow . This would require a new treaty,...

Some coverage on food, financial mess, riots... The haves and have-nots Whatever the cause, what we have seen is how socially excluded groups of people have take to the streets and for that suddenly been given the time of day by the media, those in authority and the world is paying attention – willingly or unwillingly. Large generations of Malaysian young adults enter the workforce with a heavy load of debt for basic needs and are unable to buy homes and cars without their parents help. What will then happen to the next few generations? Will they have to pay off a generational debt? When people are hungry for basic necessities, have worked hard and still do not make enough to live, it is only a matter of time before they reach their tipping point – and then what? http://www.thesundaily.my/news/108243 Japan Food Riot Fears on the Rise The price of 60 kilograms of rice had a reference price of $13,700 (£8,399) for delivery in 2012 but it reached more than $19,210 on the ...

Two interesting yet somehow related news: 1. Innovative sukuk offering - The global offering - the first to be structured on wakala principles - has set many milestones 2. Greek bailout Mark II - it's a default It's about the whole "Euro-PIIGS" crisis (that's Portugal, Ireland, Italy, Greece and Spain, for those you who were on vacation for the past 18-months or so), and note the difference in "interest rate" for the "borrowings" below: On one hand, The sukuk, which was assigned a credit rating of A- by Standard & Poor’s and A3 by Moody’s, was offered in two tranches with the five-year US$1.2bil (RM3.6bil) paper priced at 2.991%, and the 10-year US$0.8bil (RM2.5bil) at 4.646%. On the other hand, The situation in Italy is serious. At US$262bil, total sovereign claims by international banks on Italy exceeded their combined sovereign exposures to Greece, Ireland, Portugal and Spain, which totalled US$226bil...the yield o...

Quote from the 1800's, by the father of a still-prominent banking dynasty: The time to buy is when there's blood in the streets. ~ Baron Rothschild My readers and I buy fear and sell greed. This is "blood-in-the-streets investing," pure and simple. The 19th century banking magnet Baron Von Rothschild is credited with saying, "The time to buy is when blood is flowing in the streets, even if it's your own." He made a fortune buying Paris real estate after Napoleon's defeat at Waterloo. The idea is quite simple: When everyone is selling and no one is buying, the price must be low. Furthermore, when the buyers return — and buyers always return to true value — they will pay a premium as they rush back in. Crisis and Opportunity will coolly buy when others sell in panic... and sell back to them when the herd changes direction and tells each other, "Now is a smart time to buy." On the other hand, if you have the head to coolly buy fro...

7 Signs That China’s ‘Bubble Economy” Is About to Burst — and What That Means for the Rest of Us If you follow the mainstream financial media, you’re probably under the impression that all the problems threatening the U.S. economy today are homegrown — and that China is about to “eat our lunch.” Don’t believe it. The reality is, despite its very real progress over the last three decades, China in recent years has been pursuing policies that in many ways duplicate the very same mistakes that led to the U.S. financial crisis — and will lead to a very similar outcome. Only this time, the broader effects on the global economy — and on the U.S. in particular — could be worse. Much worse. Don’t get me wrong. I’m not saying that China will never be the global economic superpower many are predicting. What I am saying is that there will be some big bumps in that road — and that one of the biggest is about to knock the wheels off the Chinese juggernaut. Again, this is not my opinion alone. ...

Invest for real returns The true objective for any long-term investor is maximum total real return after taxes. Keep an open mind Never adopt permanently any type of asset or any selection method. Try to stay flexible, open minded and skeptical. Long term top results are achieved only by changing from popular to unpopular the types of securities you favour and your methods of selection. Never follow the crowd If you buy the same securities as other people, you will have the same results as other people. It is impossible to produce superior performance unless you do something different from the majority. Buying when others are despondently selling and selling when others are greedily buying requires the greatest fortitude and pays the greatest reward. Everything changes Bear markets have always been temporary. And so have bull markets. Avoid the popular When any method for selecting stocks becomes popular, you will need to switch to unpopular methods. Learn from your mist...

This is a chart (click to enlarge) of the S&P 100 (OEX), marked off in monthly candlesticks: On it, I've noted the parameters of the overarching bear trend that has subtly governed investor behavior for the past decade. I've also marked in the Stacked Sell Signals of 2000 and 2008 that warned of the dramatic cyclic downturns to come. Please note we are approaching the exact same technical and economic threshold that presaged both previous crashes. So the question at hand is not "will there be another downturn," but rather "when and how deep?" As I mentioned a moment ago, I have also laid in the Fed's two free money "QE" programs . As you can see, these efforts are pretty much the only thing that kept the markets from collapsing early in the cycle . But now they are part of the warp and woof of our little tapestry, and as such, are creating mini-cycles of their own. The Worst Choice Washington is now faced with a horrid choice: ...

Our entire system's been based on the illusion of wealth. If you've watched, listened to, or even simply read highlights from presidential press conferences lately, you'll notice they've stricken a word from their vocabulary... Recession . Not once in the past several weeks has the administration used the term to describe our current economy. Instead, they've replaced it with recovery. And with the first accusation that things aren't better yet, they'll instantly point out the strength of the Dow and other indexes across the financial spectrum as proof that what they're doing is working. Sure. The Fed's made up “Quantitative Easing” and QE2 “worked”. Just take a look at what happened to the Dow: It looks good... until you take a look at how our money supply's skyrocketed over the same period: This isn't a coincidence. The entire past two years of gains... the rise of the market from March 2009 until now... has been a result of...

On April 10th, 1912, the largest, most robust ocean liner of its time, the RMS Titanic, set out on its maiden voyage. Thanks to White Star Line's advertisements of the ship claiming to have scores of fail safes and water-tight compartments, it was dubbed unsinkable. Required lifeboats on board were stripped to carry only about half of the passengers, and were there more for show than anything else... Four days later, on the night of April 14th, 1,517 passengers would learn a hard lesson. A little after 11:30pm, the ship hit the infamous iceberg, poking several holes into the ship's hull, far beneath the surface... The next two hours defined three types of people: The few who sprung into action and either jumped on lifeboats, or took whatever buoyant material they could find and made their own. Those who knew they had to do something; but instead of working on anything productive, they panicked. The majority that, after hearing the loud screeches and feeling the tr...

Neo, sooner or later you're going to realize, just as I did, that there's a difference between knowing the path and walking the path. ~ Morpheus, The Matrix It's no secret that the U.S. dollar — or Federal Reserve Note — is the world's reserve currency. It's been that way since 1944, when the dollar was backed by gold... A time when the United States held more than 50% of the world's gold reserves. A time when the U.S. produced more than 55% of the entire world's manufactured goods. Of course, times have changed... Since 1971, our dollar hasn't been backed by anything other than the fact that it is the world's reserve currency. Today (2011), we only produce 27% of the world's manufactured goods. America also holds less than 25% of the world's gold reserves. And on September 30th, 2011, our national debt will exceed more than 102% of our GDP. USD As World Reserve Currency And Inflation An auto manufacturer in Korea importing ...

当我讲国际金融炒家很可怕，这个话没人信的，你知道为什么没人信吗？无知者无畏，大家根本不晓得这有多可怕。 在150年前，帝国主义是以东印度公司为前导，炮舰为后盾的。今天的帝国主义是以国际化为前导，金融为后盾的，但是帝国主义的本质是不会变的。 日本的教训 1985 年 9 月 22 日，美、日、英、德、法五国财政部长和央行行长在美国纽约的广场饭店举行会议。会后五国发表联合声明，即所谓“广场协议”。 按照“广场协议”的相关条款，五国将联手实现主要货币对美元的有序升值，以矫正美元估值过高的局面。 按照当时的普遍认识 ，发表“广场协议”主要是为了减缓日本对外收支盈余的急剧上升。1982、1983和1984年，日本的贸易盈余已经迅速从69亿美元猛增到205.3亿美元，之后又飙升至336.1亿美元，这其中绝大部分来自美国。 在“广场协议”发表几小时后，美元开始了疯狂的贬值进程，进而持续两年未见止跌迹象，其中美元兑日元更是贬值达50%。日本经济从此一蹶不振，“广场协议”成为日本经济由盛而衰的转折点。 你知道日本经过那次打击后，经过多少年的萧条吗？20年后的今天日本还未能走出萧条。 这个协议本身就是一场阴谋。 因为当时这个协议要求日元升值，而日本政府一旦签字确认后，就等于送了一个非常清楚的信号给国际金融炒家，那就是日元要升值了，就这么简单。所以大量的国际热钱涌入日本，炒日元，越炒日元就越升值。 国际金融炒家炒汇率，然后美国政府通过财政部施加政策压力，压迫日本降利率，放宽信贷。 这么多热钱流入市场的结果就是炒什么什么就变成泡沫，炒楼，楼市泡沫；炒股，股市泡沫；买产品，通货膨胀。 在国际金融炒家和美国政府的合谋之下，日本发生了什么？第一，汇率上升；第二，股市泡沫；第三，楼市泡沫；第四，通货膨胀。 高负债的结果，就是使得这个企业的财务风险过大，轻轻用针一刺就破。结果被美国用针一刺，虚假繁荣就爆破了，从而使得日本经济到现在都难以恢复元气，永远成为美国的附庸国。 In many ways, history is only repeating itself. Note: Japan currently (2011) has more debt per GDP than any other country at 225%. 日本之后，到...

All across the world we are seeing signs of economic chaos—rioting, inflation, sovereign debt downgrades and massive volatility in the world's stock markets and commodity prices. These are not the problem, these are only symptoms of the problems that are facing almost every country in the world today. In my opinion, these "symptoms" are likely to get much worse than better in the months ahead. You have the choice as to whether these problems will crush you or make you rich. Because this is a world-wide challenge, it requires an international response. ~ Robert Kiyosaki 200 years of remarkable progress - World-wide Challenge Requiring International Response:

Based on balance sheet strength and magnitude required , i) equity issuance ii) debt drawdown iii) sales-and-leaseback (of assets) arrangement

The new normal feels anything but normal. Yet, all around us the rules are changing - about how we make a living, how we care for our loved ones and how we can survive and thrive in these interesting times. In the book The Day After The Dollar Crash, you'll find some of Damon's ideas about how to get on the right side of the New World Order that is on the horizon. You'll find: Where to focus for personal growth Suistainable and socially responsible investments moving forward How to profit from the coming social changes It's not just about a falling dollar , or simply inflation and currency devaluation , but a new world order. The Flying McCoy comics below somehow made me connect them up with the above mentioned situation. They may be funny, but I hope you get the message behind. Colonel is Watching... Sorry, it's not that we can't put you back together... it's that the King's Health Care Plan doesn't cover it! Here's a "fi...