错误的第一步：车子就是身份的象征
年青人踏入社会后的第一件事，就是存钱买车。
现在市场上最便宜的汽车都要三万元，就算用分期付款买进，头期都要六千元，余款分七年供，每个月还要四百元。在加上汽油，过路费，泊车费等等，每个月单单养车都要七百元以上。
有了车后节目就多，花钱的机会就多，想存钱就难上加难。虚荣心告诉我们，车子就是身份的象征，能够换新车就代表我们有本领，事业有成。所以旧车未供完就想换新车，结果是个永远供不完的车。
错误的第二步：装修自己的屋子
居者有其屋，每个人都应该有自己的屋子，有机会买屋子没有理由是错误的决定。而且屋价年年上升，早买肯定比迟买好，这是不用争辩的事情。但是这其中却大有文章，如果处理不当，可能致富无望。
在还没有自己屋子之前，租房子的人都有相同的想法，那就是一切从简。家私不用太好，能用就可以。电视不用太大，能看就可以。装修不用谈，房子不是自己的。东西不用买太多，省得将来搬屋子的辛苦。样样都从简，就可省大钱。
买了新房子，样样都讲究，装修贵一点不要紧，要住一辈子。家私不能够随便，朋友看了没面子。冷气机，电视机，冰箱等等都得齐，这样才能算住自己的家。样样都要钱，幸亏贷款容易，可以先用未来钱。
有了自己的家，供车供屋都来不及了，怎样再存钱？没有存钱怎样作投资，没有投资怎样发达。这就是买车买屋后的危险。
January 26th, 2007 at 5:33 pm
完全同意, 但身边明白这道理的人没几个…..
August 26th, 2007 at 12:20 am
讲真的, 真的没几个…
但我很明白这个道理, 到现在还没买进一辆属于自己的车, 还与父母亲一起住, 剩下的钱准备了投资…
August 27th, 2007 at 1:09 pm
哦哦相信很多人都明白这个道理，可是要实行起来，真的一点也不容易。
December 28th, 2007 at 11:34 am
难也不很难，重要的是您定的目标是什么而已。。
March 9th, 2008 at 1:22 pm
I fullly agreed!!. There are 3 important matter in almost everyone of us.
Firstly, CAR. I think most of us has gone through the same process. Buying a car within 1-2 year after has step into the community.
Secondly, maybe Marriage. This is another costly ‘investment’. In most of the Chinese community, almost every couple who plan to getting marriage must at least has a reserve of min RM25k. If not do not dream of it.
Thrid, Home ‘Sweet’ Home…. (But actually in term of cashflow, I would call it Home ‘Bitter’ Home) This could be your life long liability if not manage well.
Simply commit your self in this ‘heavy’ investment could make you life so miserable and would not able to escape from the ‘Rat Race’ named by the Rich Dad Poor Dad’s books
June 25th, 2008 at 8:25 pm
大家好，我是1998年在校时就开始为钱发愁,2000年开始做期货，到2005由于股票投资有收获，所以不用心工作了,2008年不幸被辞退了.我现在唯一的能力就是股票投资了.虽然能番番，但资金基数较小且需一定的时间周期。所以目前财务自由不可能，连温饱都困难。大家帮我想想,我应该怎么办呀.怎样才有一份固定收入.
打工：由于明白了很多财富道理 ，心不甘。
创业：综合经验，资金，人脉，最后认为还不如投资股票。可股票无法解决眼前困难。
做自由职业者：前段时间我去摆地摊了，一打听，发现摆地摊的人都是新人，没几个人赚到钱，亏本。摆了几天地摊，接到几张假币，刚好把几周的利润全赔了。苦闷。回家不摆了。
哦哦，希望你能帮我。
June 25th, 2008 at 11:22 pm
hi 哦哦请如果要再Bursamalaysia 的网站看上市公司每三个月的业绩报告是在那里看呢？是在Annual Report 看得到呢还是。。谢谢！
July 15th, 2008 at 11:41 am
除非你每年的股息能足够应付你的生活费，否则你还是得继续工作，连生活都成问题了就别那么挑剔了，打工有打工的好，至少收入稳定，无风险，东家不打打西家。
July 18th, 2008 at 1:02 pm
Recently PBB had declared an interim gross dividend of 30%.
What does it means by dividend of 30%? How to calculate the dividend amount.
July 21st, 2008 at 11:01 am
自从开始现在的工作,歪歪更知道,很多外表光鲜的一族,其实裤袋都是破了大洞…
所以, 当我们去到购物中心, 看到有人拿出信用卡付钱, 而其实大部份的这些人都是因为拿不出现金,而需要用贷款购物.
July 21st, 2008 at 1:34 pm
declare 30% mean 30% of it PAR Value.
so you can get the amount by using following calculation
No. of share u have X RM1 ( PAR Value) X 30% - TAX
July 24th, 2008 at 9:27 pm
I fully agreed what you said.
We have car but old car, we have home with not renovation, TV 14inch.
When put into practice, we will become alien because there is a big group of people not aware about that.
I try to influence them, but seems it’s not works, some people may think my economy in trouble, some may think I am stingy or money face.
on the other hand, I feel sad for them for not knowing the truth.