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)

I just want to say: STOP THE WAR, STOP THE GENOCIDE AGAINTS LIBANES and PALESTINES!
It’s a war againts Hizbullah, not the war againts children and innocent people.

WE AGAINTS YOU - ISRAEL! all people, not just muslim community, but the people around the world who have hearts and considered as human being.

The genocide is not a way nor solution, you are just copying your oppressor. You are a shame of a nation!!!!!!! AND DON’T TELL ME I’M ANTI SEMITISM. I’M NOT. BUT I MUST TELL YOU THAT WHAT YOUR GOVERNMENT DO DESTROYING LIBANON IS WRONG.

YOU CAN’T MANIPULATE WITH THE WORD “ANTISEMITISM”, USING IT TO EVERYONE WHO AGAINTS YOUR BLOOD POLICY!

You feed the heatread.

BUT YOU CAN’T AGAINTS ME. I WILL ALWAYS CALL FOR A PEACE SOLUTION.

STOP THE WAR NOW! STOP KILLING INNOCENT PEOPLE!

Sebenernya tulisan yang sudah saya pikirkan untuk ditulis masih ngetem di draft, padahal saya sudah berjanji mau posting minggu lalu.
Saya ngga mau sembarangan publikasi, entahlah, saya hanya ingin tulisan yang saya muat di blog ini berbobot, ditulis dengan apik dan ngga sembarangan baik penulisannya maupun sumber-sumbernya.

Pertanyaan saya kepada kalian, kalau kalian punya uang lebih, mau diapakan?
Tentu jawaban kalian bisa berbeda-beda, ada yang bilang: diinvestasikan, ditabung, dibelikan ini, itu, dan sebagainya.

Sekitar sebulan yang lalu saya sibuk browsing produk-produk bank dan mencari produk mana yang paling menguntungkan. Ternyata dunia bank dan investasi sangat luas dan saya sempat kebingungan.

Yang jelas, uang kelebihan tadi sudah diniatkan untuk diinvestasikan.

Di mana? di bank, kalau saja harga rumah di sini tidak selangit, mungkin dua tiga tahun ke depan uang itu akan saya gunakan untuk panjeran dalam pembelian rumah kedua, untuk dikontrakan, namun, melihat situasi aktual, indikasi bunga pinjaman sedang naik dan harga rumah pun sangat amat mahal (minimal 3000 euro per meter persegi), jadi saya pun menepis niat membeli rumah ke dua.

Minggu ini saya sedang berpikir untuk membuka dana pensiun, yah benar. Suami tidak setuju, karena dana tersebut tidak dapat digunakan dalam waktu dekat - tentu, hanya jika anda sudah pensiun. Menurut suami, kenapa tidak kamu masukkan di dana investasi saja? dengan begitu dalam waktu 2-3 tahun, kalau uang itu kamu perlukan, bisa kamu gunakan. Atau ide terakhirnya, membeli garasi untuk disewakan ke orang lain - hmm salah satu kemungkinan.

Namanya juga manusia, saya rakus investasi - gila investasi? seakan dari balik batupun, apa saja akan saya masukkan di dana investasi.

Dan saya cukup prihatin akan masa depan saya. Saya pikir, tak apalah uang di dana pensiun tak dapat saya gunakan, pertanyaan saya, bisakah dengan dana pensiun itu saya bisa pensiun sebelum waktunya?

Mungkin bisa, belum saya tanyakan ke bank saya.

Memang benar, semakin muda kita memulai menabung di dana pensiun, semakin uang itu akan berkembang, karena bank akan menyalurkan uang itu ke deposit bursa saham, dengan revalorisasi sekitar katakanlah 15% pertahunnya - tergantung dari jalannya bursa saham di mana dana pensiun itu diinvestasikan.

Saya menyadari titik keuntungan saya, rumah yang saya miliki- yang saya beli sekitar 5 tahun yang lalu, sangat murah, karena itu saya memiliki pinjaman yang relatif rendah, dan bayaran perbulannya terjangkau - ini bisa saya manfaatkan untuk menabung uang yang berlebih tersebut perbulannya.

Sedangkan keluarga2 lain, banyak yang membeli rumah di atas tahun 2001 - di mana tahun 2003 harga rumah di sini sempat mencapai kenaikan tertinggi dalam sejarah. Pinjaman mereka selangit, tanpa dua gaji, mereka tak bisa membayar pinjaman rumah dan tahun ini ekonomi mereka akan semakin terhimpit karena kenaikan bunga yang ditetapkan Bank Europea.

Kalau saya berpikir seperti berjuta-juta orang lainnya, uang lebih itu sudah saya belikan mobil, gress, brand new car!

Tapi tidak, wong harga bensin naik, harga minyak sudah di atas 70 dollar per barrelnya. Belum asuransi yang harus saya bayar pertahunnya….padahal saya dan suami cukup menggunakan transport publik setiap hari untuk ke kantor, bahkan suami saya cukup jalan kaki dari rumah! jadi buat apa beli mobil? buat gengsi-gengsi-an?

Maka itu saya belum juga berani mempublikasikan postingan saya, karena pengetahuan saya tentang uang masih cetek.

Ngga salah punya strategi tentang uang. Ngga salah punya keinginan kaya- uang bisa merubah hidup seseorang.

Semakin tua, saya semakin ingin hidup nyaman dan aman.

Anda sudah tahu titik keuntungan anda? dan apa yang akan anda lakukan dengan uang anda itu?

Beberapa hal yang saya pelajari dari dunia blog:

1. Menemukan teman2 baru (dan asyik-asyik, unik dan aneh)
2. Tulisanmu (sebagian) ternyata berguna bagi orang lain
3. Walaupun ga punya waktu, blog sekali-kali perlu ditilik karena ada komentar2 yang masuk dari posting2 lama yang mungkin memerlukan jawabanmu
4. Usahakan posting, supaya pembacamu pikir kamu masih hidup dan berkarya

dan sampai saat ini saya belum bisa memenuhi banyak permintaan tentang beberapa artikel yang pernah saya tulis, karena ketidakcukupan waktu.

Maaf.

Dan terima kasih atas waktu anda mampir ke blog ini. Insya Allah minggu depan ada postingan baru.

Salam kangen bagi para blogger tetangga.

Halo…
ada kali sebulan ga pernah nengok ini blog, begitu log-in, langsung ngapus2in spam dan sejenisnya. Baca-baca komentar yang masuk, dan rindu juga mengunjungi blog orang dan membacanya dengan waktu yang cukup, ngga cuma sekedar bilang “apa kabar”, tapi betul-betul memahami dan berpartisipasi dalam tulisan yang dibuatnya.

Setelah cukup lama liburan, ngga banyak juga bahan untuk ditulis, ada foto-foto, perjalanan, tapi untuk tulisan yang ok, rasanya ga ada. Mungkin kerja lebih dari 8 jam sehari membuat orang seperti robot, menyedihkan memang.

Namun buktinya hobi menulis masih tetep aja ada, atau mungkin hobi ngobrol? walaupun ga ada tema yang konkret, tetep aja buktinya gua nulis di posting ini.

Ada kabar seliweran dari milis SMA tentang sundel bolong atau kuntilanak yang joget2 di iklan SCTV, bener ga sih? ha ha…

Mungkin di waktu mendatang, gua coba nulis tentang keuangan atau produk2 bank.

Udah lama ga nengok surat kabar Indonesia dan baca2 blognya anggota Merdeka lainnya (salam!).

Jadi udah dulu deh, kayaknya akhir2 ini gua cuma budak proyek, pulang ke rumah cuma buat makan, tidur dan istirahat, berangkat pagi-pagi demi sesuap nasi…ugh! ngerasa deh.

Mudah2an suatu hari nanti ada hasilnya, lebih baik bersusah payah dalam masa muda (kalo kepaksa), daripada menderita di masa tua.

Curhat.

Di tempat kerjaan gue ada dua rekan kerja yang aku curigai punya hubungan gimana…gitu. Aku taulah gimana tingkah orang jatuh cinta, dari mulai malu2 kucing, terlalu banyak senyum, suara yang dimanis-maniskan, membuat komentar2 ngga penting, sok manis, dan panjang deh pokoknya.

Cuma sebelnya, kalau gua lagi kerja sama mereka, dengan kata lain, saya jadi orang ke tiga (orang luar), sementara mereka bermanis-manis kayak dua burung sejoli, huek! muak aku!

Kadang -bukannya aku iri, cuma males aja di”cuek”in dan ngga ngerti mereka tuh ngomongin apa sih?
Kadang pengen bilang, “Are you both enough of this useless conversation?” dan pengen kabur.

Udah gitu, kebetulan aku menjadi rekan si perempuan dan tiap hari makan bareng sama dia, tapi dia ini belum atau tidak mau percaya/jujur sama aku. Jadi kalau dia giliran cerita si cowok A, B, atau C, sementara rekan2 yang lain udah tau dia ngomongin siapa, gua jadi terbengong-bengong.
I know.

Gua masih menyimpan sopan santun dan membenam pertanyaan, “who the heel are they?” sopo sih?

Gua pikir, ni orang ngga sopan. Kalau mo ngomongin rahasia ya jangan di depan gue kek….

Udah ah..segitu dulu postingan ga mutu ini.

Yang jelas udah ketahuan deh gelagat2 org. jatuh cinta…males aja…huh!