How Tze 浩知

人们之所以这样忙碌，没有足够的时间，真正原因是因为他们没有理解时间与生产力之间的联系，没有明白与他人协作是多么有力的投资。 想一想，你为建立梦想而需要与之联合的任何东西、任何人都已经存在！拥有你在寻找的信息、知识和资源的人，此刻就活生生地存在于这个世界上，你的工作是发现他们，想出与之建立成功伙伴关系的方法。有了正确的梦想，有了正确的团队，每个人都会获得更大的成功。 As our society is witnessing an explosion in non-conventional ways to answer the basic economic question, "How do I make a good living?", The Currency of the Future is the answer to making your life a masterpiece. The next ten years will reveal a tidal-wave of opportunities through technology in home-managed professions. You can watch it happen around you, or use this book and learn how to participate and profit. Whether you develop your own business or not, this book will steer you on a course that will benefit you, your family, and friends. Discover your ability to create income in the new millenium with multiple streams of passive income !

You hardly feel like a loser when you have multiple streams of passive income coming in EVERYDAY and the best thing is: it is always on the positive side of the chart, unlike other investment class such as forex, shares, options, futures etc where you could be losing your money just because of a wrong timing or a wrong trade! Do a comparison - Forex and other asset class , another comparison - Silver and other asset class , and truly understand what Automated Internet Business is all about, and you get such conclusion: 1. Assets that provide incoming, passive cash flow every month (or day!) gives you freedom 2. Solid Assets (实物资产) such as precious metals - Gold and Silver ( Silver, $36, $37, $38 ... $50? ), protects your wealth from inflation.

A different approach to illustrate different type of income. :) When some people hear the words "Unfair Advantage", they get an angry feeling like somehow people are cheating or not playing by the rules that are "fair." I can tell a lot about a person when they respond that way. They're usually the people who sell their labor for a wage or salary. They don't own assets. Instead they are owned by a job. They will most likely never own anything of value and many will die with nothing, simply because our schools and their families never taught them what they need to know about money. The rich understand that money is not an asset, they are the asset. They have the knowledge required to generate real wealth. Their knowledge is the true unfair advantage. The Unfair Advantage of Knowledge The Unfair Advantage of Taxes The Unfair Advantage of Debt The Unfair Advantage of Risk The Unfair Advantage of Compensation Related: Comparison - Silver and other ...

5.8% - The carrot that keep the horse walking. A Provoking Thought. WARNING:Information below challenges the status quo of "go to school, get a job, invest for the long run into diversified portfolio of paper assets, retire at golden age - which they say is 55+" idea, as it looks at retirement from a different angle - RETIRE YOUNG RETIRE RICH! "Go to School, Get A Job, Retire at 55" VS "Retire Young Retire Rich", what will you choose? 1. Just numbers You are not getting in NOW. It is just a number. You get a paper printed with numbers. If you are 35 today, means you only get the money 20 years later, when you retire at 55 - IF you are healthy enough to live till then. 2. Inflation If you have 100,000 in the retirement account last year, and you cash out TODAY, you need to pay 120,000 for what you can get with 100,000 last year, when inflation for NECESSITIES is at 20%. Which means, even with CAPITAL GUARANTEE (btw, do they?), your retirement mone...

If you’re like most Americans today, you’ve grown tired of hearing words like "inflation", "national debt", and "credit crisis". For years now, it’s been hammered into your brain — the fact that your government has been writing checks it can’t cash, and in the process, diluting every cent you’ve managed to store away in your savings account. And for almost as long, you’ve probably been hearing financial advisors and so-called economic gurus telling you about how certain investments can protect you during these times of uncertainty. Without a doubt, recent historical rises in gold prices have gotten your attention; made you think. Maybe you’ve even started to view the jewelry in your house more as currency than personal possessions. Perhaps you’ve even thought about buying some gold yourself… Turn some of those depreciating dollars into stable wealth by locking in at a good price. Well, let me stop you right there. Although gold is historically the most pro...

1。天底下没有白吃的午餐，羊毛出在羊身上 不管是买屋子送电视机、买车送汽油巻、买米送限量版精致筷子，所有的优惠或促销都已把成本纳入价格计算内。今天为什么是 10 块钱？就是因为你在 10 块钱买入，是你承认了那个价位。当一个人拿着一份“包赚”的投资计划向你要钱时，他或许并没有欺骗你，他可能只是忘了告诉你“包赚”的是他，不是你。不管是投资、感情、人际关系，天下最厉害的谎言是只说了一半的真话。 2。一张纸，一堆数目字 这是一个纸张换取金钱的游戏。你每个月真金白银把血汗钱给奉献了，平均每年收到一叠印上一堆数目字的纸张，叫你安心。一个承诺、几张纸和一堆数目字，千千万万的老实人就参与了游戏，不管他们愿不愿意。合法与非法投资之间，不过是即得利益者们政治势力与实力上的一种距离。 当然，这不过是整体游戏的一小部分。士农工商，政经文教，环环相扣，息息相关。 3。什么是钱？ 不管金砖、银块、纸币、塑胶卡或电子数字，只要是可以换回你想要的东西的，都是钱。金钱不是万恶之源，人心里的贪、慎、痴才是。金钱不过是达至某种目的的其中一种工具。 4。多元化被动收入 要多元化被动收入*，避免手停口停的收入模式。实物资产保障财富，可带来现金流的资产则让你自由。 * 购买或建立带来现金流的资产（包括房地产、企业、有价证劵等等）,一旦你的资产收入（你的 $ 为自己工作）超过了自己的支出你就获得了财务自由。 5。知识就是力量 钱越多，需要的知识也就越多，没有知识，世界会牵着你走。 ----------------------------------------------- 一个人有多少钱并不重要，除非他涉及控制某些组织，制定概念和政策，指导政府和公众最终为其服务，否则这种巨大财富的真正权力永远都不会被认识到。~财富和权力的一些基本原则，洛克菲勒的战略 年轻时，人们称我赌徒；操作规模稍大，人们称我投资客；现在，人们尊称我为银行家。但从头到尾，我所做的都是同样的事情。~维克多 尼德霍福 我们正从主流模式转移，转入一个在模式及理论的转型期，可能是百花齐放的局面，也许会出现混淆期，有些人赚取财富，有些人可能失去它们。~ 沈联涛 "Money has never been important to us, but our freedom and t...

政府可以不断发表报告数据，用最低收入作为衡量标准，告诉大家如何成功减少了贫穷率，但实际上“穷人”不只没有减少或消失，反而越来越多，“新贫阶级”人数正继续不断扩大。如果今年政府不加强物价的调控，“新贫阶级”问题必定将会浮上台面，进而冲击下届的全国大选。 - 目前在城市工作的勞動階級，普遍上收入至少都有超千令吉，基本上不隸屬於法定「貧戶」群中，但實際上這樣的收入，在城市過得卻是捉襟見肘的生活。 - 一位工作了約20年的朋友，育有兩位尚在中學的孩子，加上供養父母，夫妻月入雖近萬令吉，但在供車供屋後，生活還是捉襟見肘。 ------------- 每天的早餐，掏出5令吉，連最基本的一碗麵和一杯飲料也不足夠。在新加坡每早掏出5元元新幣，一杯咖啡或奶茶冰，不過是8角，加上一碗2元5角的面，買多一份8角的《聯合早報》，口袋還有錢剩。 或許，你可以反駁，8角新幣換成馬幣差不多是兩令吉了。那麼，新加坡大學畢業生，踏入社會起薪是2500新幣，折換成馬幣是6000多令吉，請問閣下我們要不分日夜打拼幾年才能月入6000？笨！ ------------- 陳利良 - 高峰論壇：中產新貧的危機 http://www2.orientaldaily.com.my/fread/2g4S0MkB1Wv51pm506Xq1Mr7022038ZZ Related : Taxes,debt,inflation, and not needing a retirement plan can make you richer if you use different rules of money - The Biggest Scam Ever Where does money come from? Where does it go? Who makes it? G Edward Griffin - Creature From Jekyll Island A Second Look at the Federal Reserve

请认真思考之间相关的联系... 1. 继美国 401(k) 退休金出问题后，其中一个欧洲国家的状况: 法國‧抗議改革退休制‧100萬人續示威 薩爾科齊政府計劃把法定退休年齡從60歲提高到62歲。 http://www.sinchew.com.my/node/179708?tid=2 章玲芳‧法國人罷工 根據法國法律規定，基本退休金是國家的社會保險制度，具有法律約束性，而這個養老保險基金的來源，是由雇主和僱員共同繳納。不過，隨著就業人口越來越少、人口老齡化、目前的退休金制度顯得難以為繼，已成為法國財庫的一個重擔。 ... 為遏制國家日益龐大的財政赤字，堅決要推動退休金改革，將國民退休和領取全額養老金的起點推遲兩年，進而引發了持續幾個月的工人抗議行動。 http://opinions.sinchew-i.com/node/16710 2. 公積金局 林瑞源‧經濟轉型？ - 這些計劃只能取得刺激經濟的作用，可能三幾年經濟數據被托得很高；就好像大浪一樣，浪來船高，浪退就看到沙灘上的窟窿。 - 入不敷出最終就是借錢。中央政府目前已負債4千零82億令吉。 公積金局收購南北大道，解決了政府必須每3年允許提高收費的棘手問題，但治本之道是全盤檢討私營化計劃，該局能夠收拾多少的手尾？公積金局不應成為“提款機”，特別是高風險的投資計劃，應顧全人民的利益。 http://opinions.sinchew-i.com/taxonomy/term/19 3. "Fictions" + Biggest Scams Ever The Biggest Scam Ever Taxes, debt, inflation, and not needing a retirement plan can make you richer if you use different rules of money. http://howtze.blogspot.com/2010/02/biggest-scam-ever.html 全球帝国之北方和南方 数十年来，北方国家在兜售基于债务的发展模式。 http://howtze.blogspot.com/2010/05/blog-post.html

To beat the conspiracy, you need to stop following the old rules of money. If you look at the US, the very people that set up and caused the crisis are still running the show. Goldman Sachs executives are everywhere in Washington making sure the interests of their rich clients are protected. (Related: How US is related to us? 资金链 -美元回流 ) As much as I don't care for the politics of our leaders, I find it smarter to follow the rules of money they follow rather than follow the rules of money the poor and middle class follow... fules such as work hard, save money, live below your means, buy a home, get out of debt, and invest for the long term in the stock market. That type of advice plays right into the hands of the ultra rich by sucking cash out of the hands of working people and placing it in the ultra rich's pockets. As I watch the crisis unfold, I find it interesting that the US elects a poor man and Britain elects a rich man. It seems not to matter since both men are giving m...

Want to know why most Americans are losing ground in today’s economy? Is it because they are losing their jobs? That doesn’t help. Is it because they took a pay cut? No, they would be losing ground even if they got a pay raise. Is it because they don’t know HOW to save money? Actually, if they are saving money, they are losing more, faster. Find out that you can… * Minimize your taxes legally and significantly freeing up money so you can invest in cash-flowing assets. * Eliminate bad debt in your life and use “good debt” to make you more money. * Hedge inflation, the silent shark that is devouring your buying power. * Stop funding the big bonuses on Wall Street and develop an investment strategy that provides you cash today and in the future. The fate of the US dollar and what it means to your wealth. the Federal Reserve has printed so much currency in the last two years, that the dollar has nowhere to go but down. After all, the more dollars that are out there, the less they are...

Like most people, you probably learned to work for money and save for retirement. What if, instead of working for money, you could play by the new rules of money and have money work for you? I think it would change your life, give you the freedom to pursue your dreams, and even make you more financially secure. Want to know the four things that keep people poor? The four things that might be keeping you poor? Here they are: Taxes – Are you like most people, paying too much? The tax code is set up to reward people who play by the new rules of money. It’s time you learn how to pay less and keep more. Debt – I’ve been saying your home is not an asset, it’s a liability. Now that truth has become obvious. What other bad debt is eating you alive? I want to show you how to acquire good debt. That’s a new rule of money. Inflation – You might think prices are going up, but really it’s the value of our currency going down. You need to know how to stave off inflation so your money goes fu...

Are you playing by the old rules of money? You know, the ones that tell you to go to school, get a job, work hard, save money… If that’s you, then you’re following the exact same path that has gotten so many people into financial trouble today. This does not have to be you. The rich keep getting richer, and the middle class keeps losing out. Just look around. Unemployment is high. Saving accounts earn little to nothing and your 401(k) is likely a 201(k) by now. It’s the old rules of money in action. Something has to change. That something is you. It’s time to get smarter with you money. I know you can get smart about money. I did it one step at a time. You can’t follow the status quo any longer. I used to say I want you to be rich. Now I say I want you to be rich because I don’t want you to be poor. If you are unsure about your future,you have to get smarter about money, now. We don’t learn it in school and we don’t learn it in college. There are no get-rich-quick schemes that w...

Inflation, is the increase in prices over time that causes the purchasing power of money to decline. Inflation is something that has the potential to financially wipe you out. However, it can also help you become very wealthy-if you have a high financial IQ like the truly rich do. Inflation is an unavoidable fact of economic life. History is an important teacher, and history teaches us that there have always been, and there will always be, booms and busts in the economy. Essentially, whenever you invest, you're investing in business. And business goes through a cycle. Inflation (expansion) and recession (contraction) are the recurring phases of the cycle, measured by certain economic indicators such as the gross domestic product and the unemployment rate. If you know where the country is in the business cycle, whether it's expanding or contracting, you'll be better able to determine how the businesses you've invested in are performing. Any financial plan you put in plac...

Robert Kiyosaki strongly believes there are four key financial elements that make 90% of people poor: Debt ( Good Debt VS Bad Debt ), Taxes, Inflation, and Retirement. Many laws are written to favor investors, while others are not. And it is extremely important to know and understand these tax laws, because in the end, it can be very expensive if you don't. With the economy in trouble, you can bet that most of the world leaders will be looking to raise taxes to help solve their problems. The question is will you be the one paying them or will you be protected? U.S. Tax Overview The U.S. tax system, like in many other countries, is progressive - meaning people earning more money pay tax at a higher rate than people earning less . Of course, it is not that simple ... the present tax code may have your money passing through more than one tax bracket before your final tax bill is calculated. The rate you pay depends on many factors, not just your income but whether you're married ...

In 2009, interest payments on our national debt are about $380 billion, which is $1 billion a day in interest. In 1913, when the Fed was created, and in 1971, when President Richard Nixon took the U.S. off the gold standard, the ultra rich were allowed to siphon off our wealth - via our own money, the very thing we work hard for and do our best to save. In other words, with every dollar the Fed prints, our wealth is being drained via increased taxes, debt, inflation, and savings. A Cash Heist There are 4 expenses that keep the poor and middle class struggling financially. They are: 1. Taxes - both apparent and hidden 2. Debt - mortgages, credit cards, and student loans (link to chinapress) 3. Inflation - rising food and fuel costs 4. Retirement plans - 401(k) and savings It is via these four expenses that the rich get richer. In other words, all four of these expenses are cash heists,the ways the rich use the government to get into our pockets, draining us of our wealth. The Silver Lin...

房价上涨的原因是地产商暴利。政府地价提高、游资介入，这些都是表面现象，而本质是“腐败”。 ~郎咸平 从供应层面上看 ，房地产开发有两大环节：土地开发和贷款。这两大块都牵涉到大量的部门，要盖一大串公章。公共权力的滥用就容易滋生贪污腐败现象，某种程度上就导致房地产供应价格的居高不下。 从需求层面看 ，为什么房价越来越高还是不断有人买？原因在除了搞房地产和炒股票，没有其他投资机会。对政府投资环境不信任形成了投资短视。而当某些部门的腐败使得少数民间投资者信心不足、投资机会欠缺时，“虚拟资金”便开始投入股市，反过来，资金再打回房产，又带动房价上涨。 虚拟资本过度增长与相关交易持续膨胀日益脱离实物资本的增长和实业部门的成长，金融证巻、地产价格飞涨，投机交易极为活跃的经济现象。 泡沫经济寓于金融投机，造成社会经济的虚假繁荣，如果泡沫一旦破灭，必会导致社会震荡，甚至经济崩溃。 Synopsis The Magic of Property Investment 关于房地产

History is essential for seeing and preparing for the future. In 1971, the rules of money were changed, President Nixon took the US dollar off the gold standard. Today we are in a global financial crisis. In the next few years, those playing the old rules of money will lose everything they’ve worked for. Savers will be losers. The good news is this transfer of wealth can make you very rich. Governments have been playing games with money for thousands of years. The Greeks and the Romans tried it as their empires came down. The US government is no different. Having an understanding of financial history, currency manipulation, and how international banks more powerful than governments control the world, will give you financial wisdom that few people have. This wisdom will give you the power to make better-informed financial decisions for your future. The old rules of investing are dangerous. For example, saving money today is the riskiest investment of all. Why save money when governments...

终极资产 终极资产必须符合下列条件： 1。实质对象，并非纸张之类的所谓法律文件。 2。同衣食住行有关的生活必需品。 3。该市场最高档产品，正如豪宅之于房地产，美元之于货币，蓝筹股之于股票。 4。市场对它有着永恒的需求。随着经济状况的变动，它的市场价格或许有波动，但永不会变成零，永远比其他的同类产品为贵，市场对它有永远不够的高需求。 （有些贵金属比黄金更昂贵，但黄金才是市场定价的标准，其他贵金属不是。） Gold，住宅，法国的顶级红酒酒庄: Chateau Lafite Rothschild ------------------------ 最终极资产 ------------------------ 只有一种资产是与你同在，永不消失的，那就是你的身体。你的身体就是你在资本世界的最后资本。 无数人曾把所有的资产输光，其中大部分人一垮就无法东山再起，却有一小部分人凭着这份最后资本东山再起。 这种资产的特性，就是其价值的增值需要投资大量的时间和精力，一点一滴地，靠着阅读、观察和思考，慢慢累积回来。它的一个好处，就是一旦得到了，就不会轻易失去。 死刑的英文叫“capital punishment”，从投资的角度去诠释，就是这刑法取走了你最重要的“capital”。反过来说，我们投资在这种最终极的 capital 之上，就可面对所有的变故，百战不殆。 只要思想的层次提高了，看事情时就洞若观火，一目了然。 人生的最终极资产就是本尊，只要活着，机会永远在前面，饿死了就没仇报了。 机会常在，我们只有能在失败中坚持斗志，才能真正胜出。刘邦、李嘉诚都曾经输到一无所有，只是凭着毅力和坚持，终于取得最后的胜利。 一理通百理明

阅读/学习要有如张无忌向张三丰学剑，学的是剑意，剑招全忘记也不要紧。 无论在投资世界还是现实生活里，掌握思考方式才能终身受用不尽。只要精通万物的基本原理，用不着死记琐碎的细节，万事用推理就可以得出结论。 我们不可能也不需要全记住“十万个为什么”，只要把基本理论搞通，别说十万，就是一百万个为什么都可以推理出来。 这世界上 99% 的人不是对经济学一无所知，就是念了半桶水的经济学，这代表了大部分的经济评论员。因为半桶水，所以变成了市场经济原教旨主义者，这种人一发言便是笑话，一旦意见被采用了，那就是悲剧了。 在经济哲学的知识上，索罗斯只是海耶克不成器的弟子，但在投资成绩上，海耶克开法拉利也追不上索罗斯。 Related: 农民思想的智慧

生命全保保你一生，同时，你的一生也交付了给它，因为终你一生，都要为它工作。 投买储蓄全保有如结婚，断供有如离婚，当眼前的投资可能是一生一世时，是不是该慎重考虑，而非老同学或新朋友游说几句便拍心口、挨义气去认购呢？ 储蓄全保是三四十年的计划。试问大家，这么遥远的未来是可以预测得到的事情吗？ 30 年前的今天，中国才开始开放，苏联还在实行共产主义，除非是先知，没有人能料到这世界30年后会变成今日的这个模杨。 现在我们开始想象，30年后的世界将是怎样的变局？ 战争、恶性通胀、大型天灾、或者保险公司倒闭，谁保证未来几十年不会发生这些事情？ 人无远虑，必有近忧，累积财富是必须的。 人不可能没有远见，以古代的农业社会为例，人们在丰收的年份累积粮食，但这并非为了三十年以后的养老而累积，而是为了明年、后年、大后年的“饥饿可能”而储蓄。 如果一名农民一直有储蓄粮食的习惯，在30年后，他不会无粮可吃，虽然他的储蓄只是为了明年或后年的可能需要，而非看到 30 年后。 反过来说，他储蓄了一些粮食，准备在30年后食用，但在后年时，他纵是饿死也无法动用这些 30 年后的粮食，这就是储蓄保险的本质。一看就知道是荒谬的、愚蠢的，换言之，投买储蓄全保的人的智力，还不如农民。 储蓄全保在概念上的白痴之处，就是把储蓄的功效一跳而至二三十年后， 在这段时间投进去的金钱则被锁着，难以自由动用。 把这种情况套进弹性与回报率的概念：既然储蓄全保弹性太低，其回报率应该极高才对，然而储蓄全保的回报是最低的，这正是它对投资者最不利的条款所在。 无论使用哪种投资工具，包括房地产在内，在入市前，一定要先把购买的原因定义清楚。搞不清楚原则性的策略，就变成输家的先兆了。 Related: 一理通百理明