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10. Keep thinking about tomorrow.  Are you in the best possible career for the rest of your working days?  Should you make a switch? Is your current job in danger?  Set a date every few months to do a career review with a spouse, partner or friend. 11. Your living standard is your bottom line.  Simulate its potential paths based on alternative investment and spending strategies to see where these strategies can land you. 14. No free lunch. All lifestyle decisions — switching careers, moving homes, getting married, having kids, getting divorced — come at a price.  Measure these prices in terms of your sustainable living standard. 5. Owning a home can reduce longevity risk.  Since you are neither buying nor selling your home, who cares what the housing market does? Your housing consumption is guaranteed through the end of your days. 20. Most conventional investment advice is, to be nice, of dubious value.  It’s predicated on you making four major economi...

Blockchains seek to construct more sophisticated monetary policies. While REITs are just one of many types of investment vehicles, and there is an entire galaxy of real estate ventures and investment funds looking to take advantage of distributed ledger technology, in my opinion, specifically nonlisted and private REITs may stand to reap the greatest benefits of tokenization. What does tokenization potentially mean for the real estate sector? Solving the illiquidity discount problem. Firstly, through the utilization of blockchain technology, conventional and highly regulated real estate investment vehicles (like REITs) can operate at unprecedented levels of efficiency by making programmable governance and built-in regulatory compliance possible on the platform and/or the security token levels, as well as by automating cap table and investor management processes. This will, at least in theory, lower management expenses and increase the profits that get returned to investors. ...

There is a paradigm shift. The world is moving. Bitcoin could be that digital gold. July, 2019 - 18,000 jobs set to be cut as Deutsche Bank embarks on mass retrenchment exercise . Aug, 2019 - # HSBC Ousts CEO Flint, Plans 4,000 Job Cuts in Focus on Cost Targets . Aug, 2019 - #Mastercard Hints at Future Crypto Wallet Product With New Job Listings: * Director, Product Management - Crypto Currency/ Wallets * Director, Product Development & Innovation - Blockchain Solutions Architect * VP, Product Management - Blockchain / Crypto A long development process full of trials, tribulations, ignorance and triumphs over skeptics and critics alike. As per the individual research of a former Deutsche Bank executive, Bitcoin's real-time price movements serve as clear indicators of hidden geopolitical tensions spread all across the globe. Many analysts seem to believe that the USA's ongoing trade war with China is causing BTCs price to fluctuate on a ne...

Bloomberg:  Japan’s Banks Are Running Out of Room to Cope With Negative Rates By Taiga Uranaka  and Yuki Hagiwara July 26, 2019, 4:00 AM GMT+8 Updated on July 26, 2019, 10:33 AM GMT+8 Financial Times:  The ECB must make negative interest rate policy effective Opinion European Central Bank With economic indicators sagging, inaction risks turning the central bank into a paper tiger By Reza Moghadam The Star Online:  Australia's ASX prepares for negative interest rate trading Monday, 15 Jul 2019 4:15 PM MYT On the other hand, from the crypto world: ECB Money Printing Is ‘Rocket Fuel’ for Bitcoin Price, Says Pompliano Jul 26, 2019 | by Marie Huillet Morgan Creek Digital Assets co-founder Anthony Pompliano says the European Central Bank’s expected dovish turn will be “rocket fuel” for Bitcoin... Bank of China’s New Infographic Shows Why Bitcoin Price Is Going Up Jul 27, 2019 | by Adrian Zmudzinski https://openapi.boc.cn/inews/index.html?from=sin...

Jeff Bezos — the wealthiest man on earth, whose fortune is worth in excess of $100 billion — reportedly invested $3 million in Uber in 2011. The stake he bought then is reportedly worth about $400 million, as of Uber’s initial public offering (IPO) on May 10, 2019. If it were possible for a middle-income investor to invest $10,000 in the ride-hailing company at the same time as Bezos, their stake could now be over $1.3 million. But a stack of regulations makes it difficult for the average middle-income investor to participate at that level. near-term mindedness of the stock market. some short-term oriented funds could be out of Lyft’s stock as fast as by the end of the first day of trading. early stage, sizeable long-term growth potential. Long-Term Stock Exchange (LTSE), which recently got approval from the United States Securities and Exchange Commission (SEC) to launch a new stock exchange, could soon make it possible for companies to also raise funds through traditional...

a matter of skepticism born of misunderstanding and a lack of education custody, insurance, risk and governance Full article: https://cointelegraph.com/news/how-security-tokens-can-prevent-an-impending-financial-crisis

投资者的三大敌人　 　 它们是：通货膨胀、税和投资成本。 实际上，如果将这三个因素都考虑进来，你会发现自己的投资组合根本就不赚钱。 比如，你购买了一个投资债券的共同基金，收益率为5%%， 如果基金的年费是1%%，你的收益率就会降到4%%； 如果你适用的所得税率为25%%，那收益又要减少一些； 要是通货膨胀率恰好又是3%%呢？ 可以这么说，至少税务机关和你的基金经理是赚钱的。 【互联网与传统行业必然融合】 前者要走下去，后者必跑上来：电商、健康医疗、还是其它——显然都遇到了麻烦； 当网络业者力图不仅仅服务于信息提供、社交沟通、娱乐消遣而要解决用户更多、更具体、更时效的问题时，与线下的传统行业融合是必然的，融合是鼠标加水泥、是优势互补、更是价值观的相互兼容。 【如何在互联网中找到利润高的项目？】 在互联网中，那些利润高、暴利的项目，往往跟人的欲望和烦恼相关： 1、男人好色类； 2、女人爱美类； 3、儿童益智类； 4、老人健康类； 5、技能培训类。 做一个互联网项目，必须考虑三个因素： 首先看这个市场大不大， 然后就是考虑如何做营销， 最后才是产品。 一片生产成本2元的面膜帖，品牌商给到代理商的价格为5-6元，代理商给到化妆品店的价格是8-10元，化妆品店卖给消费者的价格是20元。 某电商品牌同样生产成本为2元的面膜贴其网上的售价仅为4元，为实体店售价的20%！ 渠道过长、成本过高也是制约化妆品店发展的一大因素，因此专营店整合渠道资源势在必行！ 【电商到底给传统商业带来了什么？】 1.品牌塑造价值：这是个“品牌”小众化的时代。 2.转型零售价值：商业转型与从大众到小众的变革。 3.企业信息化价值：内部信息化的速度追赶外部。 4.销售渠道价值：不只卖货，更要识人。 【口碑营销】 企业努力使消费者通过亲朋好友之间的交流将自己的产品信息、品牌传播开来。它相对成功率高、可信度强。电商运用各种有效的手段,引发顾客对其产品、服务以及企业整体形象的谈论和交流,并激励顾客向其周边人群进行介绍和推荐的市场营销方式和过程。

近日风波的多项投资公司被怀疑使用“庞氏骗局”（Ponzi scheme）手法向市场集资。 投资者通过吸引新的投资者加入付钱，以支付上线投资者，通常在短期内可获得回报，但随着更多人加入，一旦资金流入不足，便是骗局泡沫爆破时，最下线的投资者率先蒙受金钱损失。 其他公司一般上集资的原因是钱赚钱方式，也就是该公司把钱转向风险投资高回酬。一旦面临亏损或资金流入不足就会造成泡沫。 一般投资公司都会向国行申请并放储备金在国行。投资者可以向国行询问该公司资料是否已经注册有牌公司。 提醒各位人士谨慎投资。以免一无所有。

所谓干才，是指那种能够把”云端上的理念”，迅速转化成目标明确、具体可行的方案，而且有办法协调人际、调动资源、克服困难去加以落实的人。 这样的人既要有理想性，也要有现实感，能够拿捏理想与现实之间的微妙平衡，不会空喊口号，但也不会随便妥协。 能成事的干才，不会在画完大饼后坐困愁城，而是能迅速搜集信息、评估状况、盘点资源、设想难点、形成步骤，然后起而行之，加以实践。 不要做那些不能产生收入的事情 没有一个人应该确保你必然能够养活自己——除了你自己。 你所做的一切事情都应该产生收入。 你可以做你爱的事情，钱会随之而来——但是这只有在你爱做的事情能够产生收入的情况下才是如此。 如果你的爱好不能带来收入，那么请放弃它，起码在目前，放弃它。不要创建那些深奥的电子表格。停止打印那些只有你自己会看的漂亮报告。别再花时间在高尔夫球课程上，心里还在期望这样的人脉拓展能够帮你带来新的客户。把管理工作缩减到最少，集中所有的精力创造收入。 很多時候創意的形成，可能只是靈光乍現的點子，欠缺對成本及風險控管。而成功的執行力，則必須透過嚴密的步驟管理與風險控管，才能確保以合理的成本達到最大的產出。 對企業經營而言，創意與策略方向固然重要，但執行力更是決定勝負的關鍵！ 每个人每天所拥有的时间都是一样的，一个人如果把很多时间都耗费在金钱的追逐上，则投注在提升自我经验、能力方面的时间也就相对少，自然能力提升的速度就比别人慢，到头来钱也没追到，能力也比别人差，那真是「财能两失」！ 因此，人反而应该 把时间、心力投注在提升自我的能力，随着能力不断增长，拥有财富往往是水到渠成、很自然的事。 整合自： 老板的真心话：除了人才，我更需要“干才” http://www.ceconlinebbs.com/FORUM_POST_900001_900055_1033750_0.HTM 创业型企业如何成功 http://blogs.bnet.com.cn/?uid-19109-action-viewspace-itemid-25255 Telly觀點／執行力 http://udn.com/NEWS/FINANCE/FIN11/7377695.shtml 人两脚，钱四脚 http://www.synnexemba.com/CNS/Pages/EMBA...

这些计划邀请您投资一些珍贵的资源，如：金、银、甚至家禽（牛？）、土地、商品买卖及外汇投资等...请小心！

这是一位香港富豪的奋斗故事，也是一个知足常乐的故事。 他经常奉劝年轻人，特别是初出道的打工仔， 第一桶金很重要 。 小俭能致富，储到第一个100万，然后去投资，就可以变出200、300万。他说自己就是从打金储备一点一点做起来的。 他有一句格言：“小生意怕食不怕息，大生意怕息不怕食。”对李兆基而言，他坚信做小生意最重要的是勤。至于说做大生意，最重要的是计算精确。生意额大，牵涉的本钱和盈利大，一出一入的利息，多一分少一分是很重要的。 钞票只是浮财，拥有物业才是真正的恒产。 1973年3月，香港股票达崩溃，地产也陷入低谷，李兆基看准行情，立即将赚来的钱抛出，趁旧楼价格和土地价格大跌，迅速进行收购。实物总比钞票让他更放心。 得到社会巨额融资的李兆基，如虎添翼，如鱼得水。 他曾分析，香港股市近期每日平均成交额是400亿港元，楼市每日成交额只有4000万港元，两者相差1000倍。很明显，从400亿的经济活动中赚取收入，比从4000万的经济活动中赚取收入来得容易。 一次，有人请李兆基传授发达心得，他不假思索便答：“想发达很容易，只要每天起床一刻开始，脑里不停想着怎样可以发达，怎样可以发达，你早晚一定可以发达。”来人续问：“那岂不是很快疯了？”四叔压低腔调答：“会啊！你看我便知道了。” Source: http://bigorangemedia.com/%E5%B0%81%E9%9D%A2%E4%BA%BA%E7%89%A9-front-cover/3226-%E2%80%9C%E9%A6%99%E6%B8%AF%E5%B7%B4%E8%8F%B2%E7%89%B9%E2%80%9D-%E6%9D%8E%E5%85%86%E5%9F%BAlee-shau-kee-%E4%BB%8E%E9%A6%99%E6%B8%AF%E6%A5%BC%E7%A5%9E%E5%88%B0%E4%BA%9A%E6%B4%B2%E8%82%A1%E7%A5%9E%E3%80%82.html

2012 年 7 月 18 日，东方日报头条新闻：神奇火山石卖到全世界　大马公司骗200万人 The Sun Daily 封面新闻：Medical Mark-ups? Middlemen pocket average 3% of drug costs as clean profit The Sun Daily's report could be a sequel to a recent news titled "Guan Eng exposes Liow's BITTER PILL for the people", where it stated: Chief Minister Lim Guan Eng wants Health Minister Datuk Seri Liow Tiong Lai to explain why public hospitals cannot procure medicines directly from manufacturers. 从以上几则看似不相关的讯息，可以思考的重点： 1。大有大吃，小有小吃；资源配置失误，影响广泛深远。 2。天底下没有白吃的午餐。 何谓政府津贴/人民福利？政府是谁？政府的钱从哪里来？ 3。贩卖梦想 神灯、神奇水、疯狂的石头，市场上林林总总的“投资项目”，贩卖的不外乎“梦想”。 穷人的钱是富人事业的基石 。在 关于钱，你不能不懂的基本知识 一文里，有提到 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。 Sources: 神奇火山石卖到全世界　大马公司骗200万人 http://www.orientaldaily.com.my/?option=com_k2&view=item&id=16659:15&Itemid=113 `Mark-ups' in the prices of essential drugs? http://www.thesundaily.my/news/437735 Guan Eng exposes Liow's BITTER PILL for the people http://malaysia-chronicle.com/index.php?opti...

In these uncertain times, what should an investor do? Wait, Buy, Sell, Hold or Refinance? What will be the impact of the impending General Election? With the new Bank Negara net income rule, will that affecting your property investment? Is the current tightening of banks lending policies that slow you down? Will property prices drop this year? These are some of the main concerns on property investors’ mind that will be addressed at the Property Investment Convention 2012. For first-time investor, you will find this conference a great start-off point to get more knowledge about property related topics, for example, which type of property best suit you, how to build a positive portfolio, how to borrow more and pay less and where to find good deals, etc. As for seasoned or experienced investors, you will get not only the latest updates on the current trends in the property industry but also valuable time to network with other successful investors to share personal success expe...

While missed the photo log of Hua Yang One South project ,this post serves as a log of journey from drawings to real buildings. An artist impression of the project Univ360 by F3Capital: Actual site progress as at 2nd July, 2012: For more info, visit www.f3capital.com.my

Andaman The one doing guarantee 25 years rental return in one of their product (ARC Cyberjaya) http://www.andaman.com.my/ F3 Capital At the time of writing, most of the projects on sale are just in early stage. Piling, earth works etc. Brochures all in artist impression view. http://f3capital.com.my/ 是在卖图画吗？ GS Realty A licensed real estate agent company registered with the Board of Valuers, Appraisers and Estate Agents of Malaysia, and based in the Malaysian capital of Kuala Lumpur. http://www.gsrealty.my/web/ Smart Investor Club ~ 精明投资者联盟 - 知识不是力量，运用知识才是力量 精明投资者联盟是由一群专注於房地产投资的狂热份子所组成的团队。在这里会员们无私的分享所学到的，经历过的，让后来者轻松起步。同时，会员们也结合联盟的力量，不间断的寻找好的房地产，共同投资，共同致富，共同享受人生。 http://smartinvestorclub.blogspot.com/ Bulk purchasing SunSuria's Suria Jelutong? http://www.mbiv2u.com/ http://www.mbirealty.com.my/ Property WTF Online Real Estate Forum Property, What-When-Where To Find..? Malaysia's first and leading Property-Deals forum (???). It is the brainchild of a fe...

 If it's too good to be true , it probably is. :)

James Cameron Bought Farmland In New Zealand James Cameron, the director behind blockbuster hits Titanic and Avatar has bought around 1000 hectares of farmland (reportedly valued at $20 million) in south Wairarapa, New Zealand. One of the farms Cameron bought includes Lake Pounui, which the Bayleys real estate website describes as "possibly the finest privately owned natural lake in the country". The records show that Cameron and his family, who currently live in Malibu, California, plan to "reside indefinitely" in New Zealand, and operate both properties as working farms. According to Green Party co-leader Russell Norman, foreigners buying up New Zealand land will see land prices skyrocket, driving it out of the hands of kiwis. " There's a bigger issue if you look at globally productive land, particularly land that can produce food and has access to water, which New Zealand obviously is well placed, that land is becoming increasingly valuable, as th...

As we embark on lifelong learning process, continuous improvement to our multiple streams of passive income is important. A Look Into The (iPhone) Apps World shows that there is a promising future for apps market. Let's take a look on the comparison of both world. 4 Types of Internet Income 3 Types of Apps Income 1. Content Publishing 2. Affiliate Program 3. Resale Rights 4. Own Products 1. Apps Download (apps sales) 2. iAd / AdMob (similar to Adsense) 3. In App Purchase Internet User Behavior Apps Use Behavior Check Mail Surf Net Watch Movie Social Networking Search Info Forum, Blog, Chat Buy apps Buy apps Buy apps Content Publishing Apps ~ 0 cost with domain mapping , or simply pay annual hosting fees (for more server related freedom) $99 annual listing fees for selling unlimited apps on iTunes Content cost (your time for writing or article purchase cost) Apps development cost High competition (looking at number of website...