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?

….