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Showing posts from January, 2013

你愿意与什么样的人成为朋友?

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从幼儿园开始,每个人就都已经有一些选择朋友的原则——尽管并不自知。事实上,资源分布的不均匀,必然造成人与人之间的某种依附关系。观察一下,就可以看到事实:幼儿园里玩具多的孩子更容易被其他孩子当作朋友。那么,玩具最多的孩子朋友最多么?答案并非肯定。 如果你像我一样有机会、也恰好愿意多花一点心思与那个玩具最多的孩子交谈的话,你也很快就会发现,在他的心目中,与所有成年人一样,朋友被划分为“真正的朋友”和“一般的朋友”。以下我们姑且把那个玩具最多的孩子叫做“小强”。 当时我很好奇。耐心等待小强告诉我谁是他“真正的朋友”。最终,他告诉我,真正的朋友只有两个。其中一个是男孩,另外一个是女孩。那我就问他,“为什么你认为那男孩是你真正的朋友?” 小强一秒钟都没犹豫,告诉我说,“他从来都不抢我的玩具,他跟我换。”我又问他,“那,为什么你认为那女孩是你真正的朋友?”这次小强犹豫了好一阵子,在确定我会给他保密之后,磕磕巴巴地说,“她好看。我把新玩具全都先给她……”我笑。过一会儿又问他,“她觉得你好看么?” 小强愣了一下,满眼的无辜,“不知道……”我又问,“那她现在手里的玩具是谁的?” 小强突然显得很紧张,“不是我的。”我决定不去问那小女孩什么问题了。 所以,可以想象,资源多的人更喜欢,也更可能,与另外一个资源数量同样多或者资源质量对等的人进行交换。因为,在这种情况下,“公平交易”更容易产生。事实上,生活里随处可见这样的例子。哪怕在校园里,“交换”本质没有体现的那么明显,但是,同样性质的行为并不鲜见。比如,某系公认的才子,会与另外一个系里公认的另外一个才子会“机缘巧合”地邂逅而后成为“死党”。俗话常说,“英雄所见略同”,可能就是他们一间如故的原因,所以,他们之间的谈话以及任何其他活动往往都会让他们觉得相互非常“投机”。 This article take from leinvest.com,   To continue reading. ..  .

Exchange Trade Bond and Sukuk (ETBS) – part 2

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Last year, we were informed that Bursa Malaysia plan to launch it first ETBS in Malaysia and I write something about it. ( click here ) However, the plan was delayed until 2013. Last few days, only noticed they plan to launch ETBS on 8 Jan 2013. The proposed Exchange Trade Sukuk will be issued by Dana Infra (guarantee by Government of Malaysia) with profit rate of at least 3.70%, payable half yearly with 10 years of expiry date. ETBS is a bond / Sukuk issued by Government of Malaysia or corporates to raise fund for their need. Sukuk is bond issued compliance with Shari'ah principles. With ETBS, investors can now have a broader choice of product which yield stable returns with capital protection if held to maturity. Investor can expect steady flow of income knows as coupons / profit. This is an asset class to hedge when markets are bearish, and means to develop stable income for many years. Now the question is, should you invest this ipo, the first retail bonds

Why Investor lost money!

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Many research report shows that only about 10% of investors are making money in stock market. Meaning to say, most of the investors are losing money in stock market! Few years back, I was not quite agreed with this statement. However, after I became a Dealer, from the record, seem it's true that almost 80% of “investors” are losing money. Beside my personal experience, (listen to the rumours and buying the troublesome company), I think most of the “investors” have no idea if they are investing or speculating. For instant, rumours about ABC stock having some good news to be announced, people will rush in to buy ABC stock. However, ABC stock never go up, but XYZ stock going up. In this case, investor will change horse, by selling ABC stock and buy XYZ stock. After buying, XYZ stock price become stagnant, but ABC stock price start to go up. In this case, should you change horse again or wait? This is the problem faced by most investors, what they buy never go up, but wh