Meta tags:
description=A layman s guide to investment for non-finance geeks!;

Headings (most frequently used words):

money, investment, guide, for, no, recent, ryan, buffet, lim, layman, to, non, finance, geeks, let, look, treasure, stocks, firesale, free, meals, enough, categories, posts, comments, blog, stats,

Text of the page (most frequently used words):
the (113), you (45), that (39), for (37), and (34), this (28), money (28), your (26), interest (22), capital (20), #investment (19), can (19), with (18), are (18), stock (17), returns (15), cash (14), loan (14), #stocks (13), not (13), price (12), investments (12), rates (12), buffet (11), raising (11), she (11), most (11), out (11), some (11), debt (10), should (10), from (10), loans (10), their (10), value (9), tips (9), singapore (9), good (9), was (9), about (9), market (9), have (8), invest (8), hence (8), but (8), 2008 (8), them (8), like (7), guide (7), what (7), also (7), would (7), pay (7), will (7), only (7), then (7), take (7), rate (7), share (7), how (7), get (6), comments (6), free (6), look (6), treasure (6), here (6), while (6), these (6), rather (6), than (6), they (6), shares (6), ryan (5), lim (5), let (5), watch (5), advise (5), investing (5), posted (5), tagged (5), dividend (5), months (5), had (5), average (5), net (5), fund (5), there (5), people (5), just (5), did (5), per (5), annual (5), very (5), dividends (5), wordpress (4), com (4), comment (4), now (4), blog (4), starbucks (4), latte (4), versus (4), kopi (4), enough (4), savings (4), basics (4), general (4), invested (4), own (4), over (4), taking (4), where (4), fact (4), generate (4), more (4), into (4), folks (4), buy (4), return (4), friend (4), need (4), available (4), know (4), borrow (4), current (4), family (4), may (4), all (4), year (4), least (4), true (4), crazy (4), october (4), manage (3), firesale (3), posts (3), rich (3), investonomics (3), prudent (3), even (3), event (3), long (3), thus (3), off (3), her (3), due (3), nett (3), financial (3), used (3), make (3), bad (3), following (3), who (3), housing (3), funds (3), one (3), attractive (3), compared (3), credit (3), times (3), policy (3), annum (3), still (3), seriously (3), parents (3), any (3), loved (3), ones (3), banks (3), happen (3), trust (3), raise (3), however (3), able (3), friends (3), using (3), assuming (3), rent (3), markets (3), weekend (3), bargains (3), drop (3), million (3), started (2), site (2), website (2), required (2), report (2), log (2), sign (2), recent (2), meals (2), valuation (2), inflation (2), character (2), stay (2), wise (2), possible (2), well (2), buffer (2), after (2), period (2), making (2), scenario (2), makes (2), income (2), come (2), having (2), owns (2), has (2), considered (2), increase (2), worth (2), buying (2), borrowing (2), yearly (2), holiday (2), miserable (2), does (2), asked (2), mentioned (2), low (2), case (2), lower (2), better (2), order (2), tool (2), key (2), car (2), quite (2), recommended (2), home (2), properties (2), cheap (2), repay (2), amount (2), usually (2), read (2), conditions (2), insured (2), insurance (2), otherwise (2), known (2), part (2), never (2), interests (2), thing (2), hard (2), earned (2), mention (2), notice (2), less (2), consider (2), titanic (2), probably (2), coffee (2), chance (2), compounded (2), great (2), bargain (2), currently (2), september (2), leave (2), build (2), responsibility (2), structure (2), decide (2), often (2), constant (2), cool (2), under (2), circumstance (2), right (2), beginning (2), debtors (2), way (2), once (2), guarantee (2), along (2), agreed (2), fair (2), give (2), fixed (2), deposit (2), prevailing (2), dollar (2), pool (2), close (2), anyone (2), rental (2), performing (2), its (2), could (2), priced (2), entire (2), revenues (2), else (2), companies (2), purchase (2), when (2), judge (2), loose (2), derived (2), prices (2), fear (2), hidden (2), payout (2), against (2), profit (2), profits (2), information (2), cartoon (2), game (2), layman (2), non (2), finance (2), geeks (2), design, name, email, write, loading, collapse, bar, content, subscriptions, view, reader, privacy, account, subscribed, subscribe, wpthemes, create, 690, hits, stats, bloggy, award, imonkong, 6981, alexa, chantell, schaming, wealth, rules, retirement, retire, gold, fortune, categories, older, tuned, potentially, loss, initial, chosen, fluctuations, since, term, holding, power, wait, rise, acceptable, range, again, assumption, paying, immediately, start, respectable, addition, vehicle, years, lift, another, tiny, finger, without, capacity, day, job, via, installments, small, form, because, bring, additional, pockets, individual, trick, easily, find, cars, moment, drive, showroom, trips, exotic, destinations, hotel, bills, anything, positive, depreciate, proceeded, amazed, why, herself, explained, reality, bebt, list, exhaustive, ease, approval, repayment, consequences, default, above, listed, preference, criterias, complex, interesting, property, bigger, excess, pegged, which, town, sounds, lines, complicated, complexity, paperwork, prohibitive, owners, huge, numerous, cards, allows, borrowers, monthly, drawn, salary, disguised, remember, calculate, font, size, terms, card, frequently, forgotten, policies, 10k, surrender, 90k, superb, ask, kids, secured, justify, learn, afterall, father, mother, allowing, sit, idle, drawing, suffering, losses, hardly, difference, personal, methods, somehow, feeling, serious, barrier, getting, equity, calmly, said, effort, face, implied, much, easier, feat, cup, generously, paid, decided, easy, nice, relaxing, session, mine, topic, animated, excited, double, shot, espresso, variety, sighed, lamented, saving, house, little, spare, method, managed, relatively, cost, clear, builds, mutual, understanding, lengths, gone, through, want, enjoy, matter, deal, fairly, promised, promptly, seems, run, contrary, point, intentions, ill, timed, owe, focus, distracted, nagging, operate, herd, mentality, joe, see, opportunities, others, missed, performance, sooner, given, generosity, imply, man, lazy, investor, ever, got, homework, loads, patience, wisely, approved, instructions, harder, linked, adhere, questions, flip, side, must, minimum, poorly, obligated, outs, burden, perform, figured, based, place, every, allowed, withdrawn, unless, mutually, matching, bothers, strongly, believe, lunches, suggestions, program, personally, dear, understand, might, reservations, previous, article, suggestion, voiced, concerns, bothering, being, unethical, placing, our, risk, logically, luxury, items, extremely, ethical, ethics, those, born, abba, hit, song, video, clip, inspire, gambling, monaco, sound, recommend, kick, starting, efforts, begin, things, turn, worse, incomes, cushion, fall, mindset, allow, risks, potential, controlled, downside, effectively, other, gives, include, portion, almost, nutshell, badly, fault, annually, best, possibly, looking, problem, scheme, offered, central, depository, cdp, hold, 000, participate, decent, wants, blue, chip, beat, put, approximately, refers, gain, anywhere, between, normally, benchmark, same, economy, growth, realize, sources, require, breaking, sweat, breakdown, confident, say, silly, afford, giving, away, together, uber, secret, techniques, plain, show, straits, last, supposed, wonder, picked, basket, checks, found, lacking, fundamentals, appalled, recommendations, sph, don, shirts, dresses, already, near, target, watching, closely, labelled, history, fun, picking, factored, discount, studied, fundamental, financials, valuating, hearsay, involved, keen, pricing, confirm, studies, mobile, singpost, short, entry, details, calculations, save, ideal, normal, sane, rationally, emotions, charge, rational, thinking, goes, window, means, appear, closed, weekends, usual, feel, gloom, mondays, lack, direction, themselves, going, filled, panic, everyone, around, heads, whines, paper, loses, keep, exists, newsflash, valid, 13th, research, done, anyways, note, time, writing, 137, outstanding, 893, expected, 123, 154, yes, pessimist, tell, remains, expect, aims, expects, single, digit, earnings, according, recently, 3rd, quarter, results, tidbits, particular, owner, company, ceo, neil, montefiore, statement, browsing, hunt, sale, happened, developments, brief, situation, help, recall, episode, adult, foul, characters, terrence, philip, post, phrase, depicts, favorite, says, played, oddest, places, feeds, portfolio, webinars, ratios, newbie,

Text of the page (random words):
characters known as terrence philip but this is not a post about their cartoon but rather to borrow a phrase from them that depicts their favorite game where one of them says let s look for treasure most often this game was played in the oddest of places as i was browsing the stock market to hunt for bargains did i mention that the stock market is now like a great singapore sale i happened to notice the developments of m1 here is a brief take on the situation to help you decide if it is a true hidden treasure according to m1 s ceo neil montefiore in statement recently on its 3rd quarter results for 2008 there are some tidbits of information that he mentioned that are of particular interest to me as a share owner of the company the stock expects a single digit drop in net profit earnings for 2008 m1 aims to pay 80 of net profits out as dividends so what do these information tell me if all else remains constant we can expect net profit to be at s 154 17 million assuming a 10 drop in profits yes i am a pessimist expected dividends can be s 123 34 million current outstanding shares in market 893 88 million shares dividend per share is then s 0 137 per share dividend payout of 7 4 against a valuation share price of s 1 85 or dividend payout of 8 5 against the current share price of s 1 61 compared to the interest rates of what is available out there is this a hidden treasure or what p s take note that the current price of m1 is at s 1 61 at the time of writing posted in general singapore stock watch tips tagged advise investments stock watch tips 5 comments stocks firesale october 12 2008 by buffet this is a stock market weekend newsflash valid as of 13th october 2008 well at least the research was done over the weekend anyways as most would know by now the stock markets are going crazy the entire financial market is filled with panic and fear while everyone around you loose their heads and whines about their paper loses keep your cool it is times like these where bargains exists under normal sane market conditions the stocks would be priced rationally when emotions like fear take charge rational thinking goes right out of the window it also means crazy prices will appear compounded by the fact that the us markets will be closed for their weekends it is quite usual to feel more gloom on mondays in singapore due to lack of direction of how stocks should price themselves this is a short entry hence i will not go into the details of how i derived at my calculations save the following ideal buying prices for me singpost at 0 75 mobile one at 1 84 i have factored a 30 discount from fair value as buffer and also studied some of the companies fundamental financials this is key to valuating any stock no hearsay involved if you are seriously keen on how i derived the pricing to confirm your studies drop me a comment on this blog some of the stock price is already very near my target buy price so i will be watching the market closely i may be labelled as crazy but let history be the judge of me have fun picking bargains ps if you happen to read the straits times over last weekend on their recommended bargain stocks and their supposed buy price you may wonder how they picked this basket of stocks i did some checks on them and found them lacking in fundamentals and appalled at some of the recommendations eg sph ou be the judge of that just don t loose your shirts or dresses along the way posted in general singapore stock watch tips tagged advise investment stocks 11 comments money money money october 6 2008 by buffet money money money how is it possible that i can be so confident some say silly to afford giving away interest rates of 4 per annum to my parents when i pool funds together for investing in stocks are there some uber secret techniques that i am using or am i just plain crazy if it is true then show me how to make money money money most folks do not realize the true returns and sources of revenues that a good stock is able to generate for you that does not require you breaking a sweat here is the breakdown 1 capital returns also refers to gain in share price this annual return is anywhere between 2 to 12 of purchase price in the singapore markets normally the average benchmark for capital returns should be the same as the annual economy growth of singapore 2 dividends the average blue chip dividend should beat the average 2 fixed deposit interest rates of banks else most folks would rather put their money in banks than invest in companies hence the annual return is approximately 2 to 7 of purchase price in singapore 3 rental revenues most people did not know that they can rent out the shares they own however the problem with this scheme offered by the central depository of singapore cdp is that you need to hold at least 50 000 shares to participate however the returns are very decent should anyone wants to borrow your shares it is currently priced at 4 of the prevailing price of your stock so assuming that you manage to rent out your shares for only 3 months in an entire year you could get about about 1 income so in a nutshell if you stock is performing badly due to the market circumstance and no fault of its own you should be able to get at least 4 returns annually in a best case scenario where you could also rent out your stocks you are possibly looking at returns of up to 20 per annum so if you pay out 4 interests to your parents in an average performing investment market and assuming you are making 10 returns you can effectively increase your returns by almost 6 using other people s money this gives you a net return of 16 if you include your own portion in the event that things do turn for the worse and you do not make capital returns the dividends and rental incomes can cushion the fall hence this mindset of investing can allow you to take risks with good potential returns but with controlled downside hence it is beginning to sound very true that money makes even more money hence i do recommend kick starting your efforts to raise capital to begin investment for those who are born after the abba hit song money money money here is the video clip to inspire you less the gambling monaco part posted in basics general investonomics tips tagged investment returns stocks leave a comment no free meals september 29 2008 by buffet consider ethics my dear friends i understand that some of you might have reservations about my previous article s suggestion to raise capital for investments from family and close friends some voiced concerns that it is bothering on being unethical as we are placing our loved ones hard earned cash at risk at 0 interest rates logically compared to taking a loan from anyone to buy luxury items like a car or to go on a holiday borrowing to invest is extremely ethical if this still bothers you and that you strongly believe in no free lunches here are some suggestions to structure a loan program from family and close friends that i am personally using 1 matching funds to build trust place a dollar for every dollar you loan into a fund pool the fund should then be used only for investments and not allowed to be withdrawn unless mutually agreed with your debtors 2 attractive interest rates give interest rates better than any fixed deposit but lower than prevailing loan rates for me i figured i was able to give 4 interest based on amount invested with me 3 capital guarantee i guarantee the capital invested along with the interest rates agreed so in the event my investments fair poorly i am still obligated for my pay outs hence the burden to perform is on me 4 annual cash out all who invested has a chance to cash out once a year with no questions asked but only once a year on the flip side they must stay with the fund for at least 1 year minimum having the loan approved is only the beginning the following instructions are harder to manage with these family linked debtors however if you can adhere to them you will go a long way 1 invest wisely this is your responsibility given the generosity of your loved ones this also imply taking it like a man and do the right thing no lazy investor ever got rich do your homework and have loads of patience 2 report performance yearly and no sooner while this seems to run contrary to point 1 this is not so all good intentions are often ill timed so you owe it to them to focus on your investments and not be distracted by constant nagging from them while they may operate on herd mentality you need to be joe cool under all circumstance to see opportunities others missed 3 pay out what you promised promptly you do not know what lengths your family may have gone through just to raise that capital for you it should be up to them to decide if they want to re invest or enjoy the dividends this is also a matter of trust deal fairly thus with this method i managed to build a fund for investing with relatively cheap cost of money with a very clear responsibility structure that builds mutual trust and understanding posted in basics investing in character tips tagged advise cash investments raising capital tips leave a comment money no enough september 22 2008 by buffet it was over a nice relaxing coffee session with a good friend of mine that we happen to chance on the topic about investments i was rather animated and very excited probably compounded by the fact i just had a double shot of espresso about the great variety of bargain stocks currently available she sighed and lamented the fact that she was saving for a house and thus had little spare cash to invest raising the titanic somehow i get the feeling that raising capital is a serious barrier to getting into equity investments i calmly said it was never money no enough but rather not enough effort my friend then had a look on her face that implied that raising the titanic was probably a much easier feat than raising capital in order to repay my friend for a cup of coffee she so generously paid for me i decided to share how easy raising capital can be here are some methods to consider personal savings 0 interest rate take 10 of your current savings to invest it should be used rather than allowing it to sit idle in the banks drawing a miserable 0 2 annual interest rate and suffering losses from inflation seriously most folks can hardly notice a difference with 10 less in their cash savings father mother loans usually 0 interest rate seriously most parents never ask their kids for interests on any loans secured or otherwise the only thing is that you need to justify your investments and learn to be prudent these are afterall your loved ones hard earned cash did i mention interest free insurance policy loans 4 to 8 interest rate it is a capital raising tool that is frequently forgotten by most insured people did you know that you can borrow up to 90 of the cash value of your insurance policies hence if you had a policy that is worth 10k in cash value or otherwise known as surrender value you can borrow up to 90k at 4 to 8 interest rate per annum the good part is that you are still insured by your policy as you take this loan from your cash value superb credit card loans nett 4 5 interest rate there are cheap loans on credit cards available that allows borrowers to repay the loan in 24 months these loans can amount to 2 times your monthly drawn salary and usually come disguised as interest free loans just remember to read the font size 1 terms and conditions to calculate the nett interest rates housing loans 3 to 6 interest rate this is a rather complex but interesting capital raising tool for people who owns property the key is to take a housing loan that is bigger than what you need the excess funds will then be available for us pegged at the housing loan rates which are one of the most attractive interest rates in town while this sounds attractive compared to lines of credit loans or the complicated car loans the complexity and paperwork is quite prohibitive for me only recommended for home owners with huge properties or numerous properties the above is listed in the order of preference with the following criterias low interest rates the lower the better low consequences in the case of default long repayment period ease of approval while the list i mentioned is not exhaustive it should get most people started my friend then proceeded to look amazed and asked why would she get herself in debt to invest i then explained the reality there is good debt and bad bebt bad debt most folks can easily find money to buy cars that depreciate 30 in value the moment you drive out of the showroom or fund holiday trips to exotic destinations only to be miserable for months to pay off the hotel bills so anything debt that does not generate a positive return of cash to you can be considered bad debt good debt taking a small loan debt as a form of raising capital for good investments can be considered good debt this is because a wise investment can bring additional cash into your pockets and increase your individual net worth hence a prudent investment can generate yearly returns from 10 to 20 from buying these investments this is a trick used by the rich borrowing money to make even more money the assumption here is that she has the capacity like a day job to pay off the loan via installments over a 6 to 24 months period thus she would be taking a loan to invest while she is paying off the loan the investment would immediately start making money for her so in a scenario where she makes 12 returns on the investment and she had to pay an average of 6 on interest due to the loan she would have a nett a respectable income of 6 on her investment this is in addition to the fact that she now owns a financial vehicle that will generate more returns in the years to come without having to lift another tiny finger even in the event of the possible loss of value of the initial capital invested in a well chosen stock the dividend should buffer the fluctuations and also since you own the stock after 6 to 24 months you do have long term holding power to wait for the value to rise to acceptable range again stay tuned on what can potentially be a wise and prudent investment posted in basics tips tagged advise capital cash debt investment raising capital 2 comments older posts categories general investing in character basics tips investonomics stock watch singapore advise capital cash debt fortune gold inflation investment investments investonomics money price raising capital retire retirement returns rich rules savings stocks stock watch tips valuation value wealth recent posts let s look for treasure stocks firesale money money money no free meals money no enough recent comments chantell schaming on starbucks latte versus kopi alexa on starbucks latte versus kopi 6981 on starbucks latte versus kopi imonkong on starbucks latte versus kopi buffet on stocks firesale bloggy award blog stats 21 690 hits create a free website or blog at wordpress com wpthemes ryan b...