Novel ini mungkin salah satu novel yang paling lugas menceritakan keadaan aktual planet Bumi kita, salah satu buku terbagus yang pernah saya baca.

Yang kemudian menyebabkan saya ragu akan pengetahuan saya tentang pemanasan global yang ribut dibicarakan oleh kaum ilmuwan sampai orang-orang awam.

Entahlah, membaca buku setebal 600 halaman ini seperti melahap pengetahuan yang mengejutkan, bukan saja menambah ilmu pengetahuan kita, namun juga kita dihibur oleh cerita yang menegangkan, seru dan penuh (sekali lagi) kejutan. (more…)

Tell me, what a blogger should learn, should know in technology aspect?

I really don’t know, zero knowledge about what I should learn to improve my blog.

the complete tittle is, I know it’s too long,
“the reason I cannot speculate and get rich in a blink by investing in stock”.

Answering Oskar reply in one of my post, he advised to invest in technology stock for 2-3 weeks, then I suppose after that, I shall sell those shares.

As a small investor like me, I can’t play with the market. Investing in tech stock could be interesting, when you know its move, the latest news about new tech product, etc., apart that in general, stocks are volatiles (means risk).

I’m a worker, I don’t have enough time to track all news/rumours about the markets or one stock in particular at the same time the price is up or down, beside I don’t use personal broker to advice me.

So forget about getting cash fastly from investing, at least for a person like me.

If I had to invest in that short term (let say in a month), the stock price I bought must be rocketed a lot!

As I say, every transaction cost me 15 euros + 0.25% on cash (they don’t charge me for custody nor dividend), this really isn’t that cheap. The stock price has to be running up fastly if I have to sell them in a month to cover 30 euros + 0.50% on cash - cost. And I don’t think there is such an opportunity- I don’t follow the market minute by minute.

One example, my mistake (or maybe not- let see about that), my stock in tech sector is doing pretty slow, due to uninspiring quarter result of the company plus a problem in technology it self in their product, and finally, due to economic slow down in US that effect technology sector (less investment in technology).

What should I do now? I bought the stock cheap enough, but now it prices is getting down. Of course I don’t sell them because I’ll loss if I sell it at lower price that I bought, secondly I loss money from the comission they’ll (bank/broker) charged me.

What I do is wait, a couple of months, see if the price gets better and then sell it (even if I don’t like this option, I’m still considering it). Or I could hold on to them and considering it as a long term investment, say 1 or 2 years.

My principle is that do not sell your shares when it’s cheap! and do not let your self influenced by a temperamental Mr. Market (that’s what I learned from you know who).

There is another way you accumulate stock by buying it part by part, but I don’t agree with this.

First because of commision that they’ll charge you, you must remember that every transaction has a cost. So I think it’s better to buy it in one time. If I have more money, I guess I won’t buy the same stock (not if the price is undervalued/best priced), I’ll consider other stocks from difference sector.

As I say, I’m still learning, I could make mistake, but I manage to make it the least, I hope!

What companys’ stock you should buy?

of course, I’m not the right person to talk about this, but I always remember what I’ve learned in morningstar class.

In my debut on buying stocks, I choose a wide moat company and a sector of prime necessity (honestly I don’t wanna risk too much). And always choose a company or sector that you have enough knowledge about them, how does it works, its products, its image on the market, don’t only base it on its figure and balance sheet.
Third, studying company’s financial statement in 5 recent years.
Read market analysist, expert recommendation, surely helps you to decide what to do, which to buy, when to buy, etc.
The most important is to be patience, wait for a fat pitches and have a safety margin.

I’m not a good investor, I’m learning to be a good one. I enjoy it.

And I’m surprised to found a lot of sites that teach you about investment - FOR FREE, it’s not that difficult….

And I’m happy to find this new knowledge, it teach me how to manage your money, what you want to do/have and what you do to achieve it. I now appreciate money in distinct way.

I am now part of worldwide bussiness and it push me to keep informed, to make a decision.

I diversified my saving on 3 basic plan:

1. 60% in Stock Exchange Fund (3 years)
2. 30% in fixed deposit (1 year)
3. 10% in stocks (right now I divided in 3 sectors: banking, technology and oil&gas).

Now I consider my job as a source to finance my future, I don’t know….at least, when human set to have a goal in his life, it doesn’t cost you to wake up every morning…(except the weekend)..

I’m not saying that when I wake up I say “I’ll make more money than yesterday”, but it’s a good feeling when you’ve done something intelligent in your life.

I know I’m not special, I come from a middle class family, I possees average IQ like million of people in this planet, I’m not a genius, I don’t possess beauty face or body, so i can’t sell them! I’m just an ordinary person.

Yes, like million of people who get up early everyday, goes to work, and receive a tiny salary at the end of the month.

As I say, my parents are not rich, I didn’t go to and could not go, could not afford paying higher educaction, therefore I couldn’t access good post in any company. And more, with my average salary, I have to maintain my Indonesia family and spanish one.

I have two domestic economies which makes difficult for me to save money for my future.

What else?

I dream to be rich, because being independent allows me to, first, help my self, afford higher study, having more time for myself, help my family and other persons, including …. change the world to be a better world…(the last one I’d better keep it in my mind).

As I say, I’m not special, I’m not rich, I’m not intelligent, I’m not beautiful (but maybe charming..he he), I’m only an inmortal like the rest of the world, but still I have illusions and dream.

What about you?

Oh…I forgot to say that..ok, your BLOG could be special…and has million of visitors and fans. Your stories, the way you tell them, bla bla bla..but still, does it help you to build your future?

maybe, the answer come from you and your force.

This article is about myself and I hope this help others to change his mind reffering to money.

I swore I’ll be rich, but how?

During these months, I didn’t show up either in my blog nor others’. With my trash job, I am trying to combine work and self -study, online. I was busy studying about stock and right company where I can invest my money.

Months ago, I went to public library and I read “Rich dad Poor Dad”, I also catched one tiny book about stock exhange, but this didn’t help me at all.

So I don’t know how…I found morningstar.com and I registered as “student” for free, then I started to study about stock. I have to say that morningstar course is fabolous and thanks to them, I am starting my way in the investment world.

First thing I remember, why you choose to be a stockholder? for many reasons…

-Investing in stock is an easy way to make money. of course, if I had a million, I could’ve bought a second house and rent it to other persons, but this is not my case. I still pay a mortgage to the bank for the house that I live in.

-Create your own bussiness is not simple, I did it and unfortunately I failed. You have to have your own capital, a strong one, to build and maintain the bussiness and of course to struggle daily againts your enemies (competitors).

-Invest your money in bond or saving account? what you gain in bond would be vanished by inflation.

-Invest your money in Mutual Fund? Mutual fund is managed by other persons, these persons charge you commissions and still they can make mistakes in their decisions. So why don’t you manage your money yourself?

-Of course the mutual fund profit is less than stock. Stock gain money in two ways, by dividend and by capital gain. Mutual fund distribute your money in various stocks - I don’t know for sure because I didn’t study it profoundly, mutual fund gain money if all stocks gain (if not, you gain nothing, please correct me if I’m wrong), and from this profit, x% goes for commissions (bank, mutual fund manager, etc.).

-being a stockholder of a company, convert you to be an owner of this company with the proportion of the stocks you possess. An owner gain more profit when the company gain good income/makes profit, in the other hand, the creditors only gain fixed income (usually they are bank, bond holders who lend money to companies who need to be financiated). Remember, when the company is liquidated or goes bankcrupt, the owner is the latest one to receive any compensation after the creditors (bank, bond holders, etc.). If there any money/assets left, could be your, but if not, you loss.

-As I said, stock can gain in two ways, first by dividend. When a company makes profit (income reduced by cost, tax, etc.), they can decide first, to invest this money in order to expand, or second, to pay dividend to stockholders.
The other way, is when you sell your stocks at higher price when you bought it. Say, I bought BNP stock for 54 Euro per stock, after a year, the stock price went up to 80 Euro per stock. This called, plusvalia.

-For ordinary person like us, investing on stock is better for the long term. As long as you choose the right company, the stock price would be up (revaluated) after years and you can also gain by dividends.

I think that is enough reason why I decided to be a stockholder.

At first, I doubt about being a stockholder, but after I investigated and studied about investment during a couple of months (and still I’m studying it), I’m sure I can make it. I have to practice it.

Some banks give you facility to trade in stockexchange. They charge you commission when you buy or sell stock. So you must remember that the more you trade the more commissions and tax have to be paid.

The more time you maintain your stock, the lesser tax you must pay.

Now how to choose a right company?

….

Setelah ga lama nulis untuk blog ternyata sulit untuk memulai lagi.

Niatnya sih nulis tulisan yang bermutu dan berbobot, tapi saya tidak punya waktu. Dan lagi penulisan yang bagus itu kan perlu persiapan, materi, revisi dan sebagainya.

Selama beberapa bulan ini saya memang tidak mempunyai ide untuk dituangkan di blog, selain ke dua, tidak punya waktu dan ketiga, saya masih berhutang dan semakin dipikirkan semakin menghidar dari hutang nulis dan ke empat, saya ngga “mood”.

Setelah gempa yogya, tsunami di Jawa Barat, di Sulawesi, perang Israel - Lebanon…sebenernya sih ga ada hubungan banyak…(he he..nge-les).

Terus terang saya lagi menimba ilmu mengenai bursa saham, tapi saya belum berdebut di stock exchange….ce ile… belum ada kesempatan.

Niatnya, pembelian pertama itu akan saya umumkan di sini…he he…

Ketika saya sedang dalam proses belajar, bursa yang saya inginkan sedang jatuh, kesempatan untuk membeli, tapi tentu, kita tidak boleh membeli sembarang, harus dipelajari dulu. Belum lagi, saya tidak mempunyai “cash”.

Saat proses belajar dari ilmu yang paling dasar sudah selesai dan jangka deposit saya jatuh, artinya saya siap uang, eh bursa malah naik, dan saham yang saya incer juga naik.

Lucunya, hari ini saya ikutan ngisi angket di koran ekonomi, enam puluh persen dari pembacannya mengatakan bahwa ini adalah momen yang bagus untuk berinvestasi di bursa - padahal nilai bursa sedang naik.
Saya jadi mengerti, ternyata benar dari kelas “on-line” yang saya terima, banyak orang yang salah dalam strategi. Ketika saham naik, mereka beli, ketika turun malah dijual.

Mustinya sebaliknya.

Sedangkan 30% dari pembaca memilih, bahwa ketika bursa sedang naik/saham naik, bukanlah waktu yang tepat untuk berinvestasi.

Hm…ada banyak yang saya pelajari dari dunia saham, ternyata sangat menarik.

Saya tidak sabar akan debut pertama saya di bursa, semoga seperti debut saya di dunia blog…- berinspirasi.
(beuh….kok jadi narsis? - *lirik si Andry)