敢不敢

在最后一秒买进，而不知道明天会如何？ 你敢不敢？或者在等消息时，而在最后一秒买进。那相反的结果。你能承受吗？一个小小的答案。 可能把你变为成功，也可以把你弄到志气丧失。

没有敢不敢，而是有没有这样做。那是人生

其实很想，也信。

当你把所有钱放在股市。你其实很想，也信钱会生钱。不过你没有想到每个人也想也信。目标一致而把人最基本的生活忽略了。那（其实很想，也信）把你弄巧成拙。

是不是关你的事？

When shares price substantially drop, is it yours problem? This morning my friend claimed that  although market drop heavily but does not his problems. That surface information tell that is true because his is not even enter into market and buy. So his money still belonging to him.

Actually, the facts are not really as his thought. Because, if you standing up at atmosphere and enjoying the freedom from free trading. You and me indirectly step onto market. So, the heavy adjustment bring bad effects onto economic fundamental as well as it also could spoilt all the base of economic.

If you are really understand the capital market or free market theory as well as also got some little bit knowledge of macroeconomic. The circle of economic growing up because of capital market growing up consistently otherwise the impact to ordinary people must be big and make them poor than before unless the country adopting the Communism Policy.

Like us take a simple case to study, if insurance listed company shares price drop. The confident on such company also reduce, then it can't raise funds to pay policy owner or finance the funds by way of paying higher interest rate to refund borrower. The said insurance may face difficult payment, unfortunately you are one of the policy owner and during same period the insurance face difficult to continues the business. Your benefit on the such policy will be devalue.

Like above case, my friend never step in buy the insurance company shares but indirectly his coverage of policy become void or cannot get refund the benefit immediately. so, the shares price drop is concern him also.

If he think that is not serious enough, you can imagine if one of the bank cannot raise funds to meet his capital requirement because of the shares price drop heavily. What will happen if you are the customer of this bank and deposit a lot of money on it.????

ETITECH

Why ETITECH step into such situation? In the company history, company done a lot of corporate exercise. Varies times of bonus and splitting as well as special allotment. Yesterday found that the payment transaction had against the rules of listing requirement. Actually, the good management can help to solve such problems. If they spend so much of money, how come never apply some risk management onto that???

No doubt, a lot of company also have such problems. Because in the balancing of internal out of functioning well. In the corporate, sales & marketing must be always optimistic and admin & accounts dept always pessimistic. So, the BOD members should stop sales & marketing apply the marketing wish or wording into company. Like example, provided sales targeted data as guide for management or on going deal as actual sales. Sales return never report highlighted into the report. Because such unsure data mislead the management to improve or setting some preventing system for analyzing of market trend or consumers' needs.On the other hand, admin & accounts dept also should not sp pessimistic in all times, they should based on collected actual info for reporting purposes. If some history data shown bad, it does not shown bad will continue in the future. So, review and monitoring the existing system is compulsory and must be in proper manner to identify which has been absolute with unreasonable applying. So, the action must be taken up immediately to delete it and then ensure the data collected in the reasonable way.

I do believe, if the staffs do not ignore the complex mission in hand and try hard to complete it. Most of the issues can be solved. Etitech also can do that if they wanna to do so. So, as an investors support them by way of purchase their shares and give them some times to rectify it accordingly   

 

Family's Business

Sometime when we joined a company with so many of relative working inside. What is the situation? Can you tell me you can perform as normal? I do not think so? It would happen all time in your career.
You may noted someone low ability than you but can carry the high post with high salary.
You can found someone can apply unusual attitude than normal.
You may criticizes by someone with unreasonable.
You may competence with shadow.

Most of the listed company also faced such difficulties. 3rd generation come with high post with same education background or maybe holding the same qualification. Recently we can see some stock price start come down heavily because of appointed the new CEO elected by family. Of course someone is perform better than normal, but more than 70% worst than ordinary people. That's also applied to those company link company, holding such post because of politician background. That is another way of assignment from family or relative....

The story will continue......

Sharing the loss

Now, is time to sharing the loss. 3 countries in the Asean registered heavy loss in the pass 2 days. Someone sharing the profit and someone sharing the loss.

Why IT can sell the stake 10 billion?? Why whatapps so hot in the market? Why people not chasing the food and beverage but chasing the innovation product?

宏观经济 - macroeconomic

Recently i am attended a course - macroeconomic . This course guide by professor Nilss Olekalns of University of Melbourne. I have to take back my old book and study some basic math with basic theory to understand the course.

Macroeconomic represented by calculation of one country production, income and expenditure to evaluated their GDP and then set some policy to match the country objective. Is it correct? Some interest policy, some sample and hypothesis, some government policy, some currency policy. Isn't it can rectify a country pull out from recession or still congestion onto it.

I am not a good student and maybe I have some misunderstand those theory. In fact, all doubt will continuous because I really disappointed a country can print unlimited note and let it flow in to market. Is it can stop it or stop it may happen some bad news????

Real GDP or Norminal GDP also make some confuse by population. That's an equipment for politician to divert the nation attention on bad news. So, macro become micro. Micro can be macro. Really confuse.......................

Risk of Business

When you need to start a business, are you considers the risk of business.  That is not simple as you think. Especially those people who need to start private limited operate the business. In my opinion, the boss should consider 3 major risk: -

a)      Capital Risk

b)      Government Policy Risk

c)       Management Risk

The abovementioned risk included a lot of uncertain issue, there also comprising many small risks. Like

a)      Capital risk

As a investor start a business require capital. So, the money maybe borrows from friends, family or relative. Some others raise funds from financial institution. The pressure derive from refund due date and then always cause the business face the cash flow problems.  The activities of business always subject to how fast you can close the deal and so receive the yield back into your company. If one of the deal close without any cash return, it could not said you has been successful on such deal. Because anytime it can be turn as bad debts or loss the gross margin because of opportunity cost ( Like bank interest or another new business deal). So monitoring the cash flow always is priority concern in the business activities.  Other than that also some business require a heavy investment on capital expenditure, like Power supply business, development or Infrastructure or development of new IT or research the new medicine and so on…..) Such business in the few stages do not give you any return or revenue, so the pressure on such sometime make a good idea ceases in between.

b)      Government Policy Risk

Every country owned difference of policy for business activities. So the company may face various rules and regulations bind it. That also brings a corporation facing heavy local tax, law or restricted activities or levy tax or structure of shareholding and then the corporation also need to fulfill difference type of tax and labour law to expand and uncertain period of audit from those local authority.

The above issues can bring a corporation loss everything and then shareholder in the trouble. Without such knowledge on authority department make those directors and shareholder may hold high risk to against the law.

c)       Management risk

In the corporation, key personals with difference views for company vision require a big capital to satisfy all difference type of projects. If one the projects fail can make the management loss focus on main duty.

The workers loss direction on company main project also is a management risk.  If the circular system  too complicated or complex or documentation misplace or loss also can cause problems.

As a boss of one company or an investors of one company. That is difficult task to ordinary people. You must listen, action, performing as well as with good attitude. Not only such, you also must have change and flexible.  If you have educate with professional course, you are hardly to understand one business man. That’s true.!!!!!!      

RPC

A country situated at Euro, happen an issue to argue. The issue like that: -
In a small town have 2 villages, there are 2 cases under debate. They have own difference committee, and then the committee elect by people. They named it Republic of People Committee (RPC). RPC of A village concluded the plaintiff is a winner and RPC of B village justified the defender is a winner of the case.
In A village, there is a middle man offer a big contract to defender. Without the introducing of plaintiff, defender 100% could not acquire the contract. Then now, the contract ended up by local authority decision. RPC of A said the commission must paid accordingly although the contract is end.
In B village, there also have a middle man doing a same job but RPC of B village said defender should not pay because the contract offer comprising of illegal action/business activities.
The argument is: -
a) Why we can ignore the contract?
b) Why we can encourage the illegal activities as a content of contract?
c) We should respect the contract or the ethic?
d) How come middle man can’t earn such money if they are not involving the illegal business activies?
My lecturer ask me the question, I do not know how to answer who is right! Anyone can help me?

Why Property Market could not last long?

Property market up easily build up the increasing of country's GDP. But property market in the circle of economic always can create a burble and then harmful the economic base. Why it can't last long like others consumer products? ( eg Smart Phone, Camera, computer or Television).

Politician need price up for property, it can create an imagination to population they have been rich with support by politician party.So, nobody will get blame in the election. Nevertheless the hazard finally reach strong and unavoidable. It hit all level of basic economic and bang the financial institution loss all the depositors saving.

 In my mind, if normal salary per worker need to spend more than 10 years to purchase a house.(3,000 per month * 120 months = 360,000). The property selling price above 360,000 in the market already unreasonable. Now days, in the coffee shop I can hear a lot of old man said they already is a millionaire but they can't sell the house because they can't get another one like now or maybe need to pay more than that to purchase a new one.

Every one growing up be a man or women need about 20 years. So, the circle of property demanding should be follow such trend to make it steady and reasonable. If every ten year or less than that, the property price shut up more than 5% per year, that become unreasonable.

Recently a lot of listed company proposed be a developer to enjoy such blooming of price. But that is dangerous because the year of development required about 2 years and the skill workers would not join the new development company because of unsure. So, the quality not meet the requirement may cause losses and the commitment of management become heavy.

Those developer proposed the project in oversea is another threat. That also loss it heavily on foreign exchange risk.  

稻米成熟

稻米成熟时, 人在何方。春来秋去， 冬天是如何的冷，并 不曾在意。 
黄金色的叶子，成熟的稻米同一色时，那一个重要呢？
就好像有一首歌里的歌詞

“ 心裡很多話想說說不出來
雖然我臉上看不出來
天空一樣蔚藍　卻換了多少雲彩
那時的你讓我幸福百分百　是否為我等待”

还有其中一段，

”我痛說不出來“ 

稻米成熟时，拔丢了叶， 那时很痛。


Just like another song lyric said:


"Everything has a life,  has a spirit, has a name." 

With the sad emotion to purchase new shares, then would like :
 停在这里不敢走下去，
让悲伤无法上演。
下一页你亲手写上的离别，
由不得我拒绝
这条路我们走得太匆忙
拥抱着并不真实的欲望 

理论错误

每一个人都想做生意。 本意当然不只赚钱而已，并且不用给人奴役。 那不易，只因为如果生意理论错误，最终得不到应该所得，而往往在不知不觉已经给别人奴役。犹记得某一个电视剧里， 好像是”珠光宝气“。当某一个财团是强大时，它就利用这种优式去奴役别人。所有中小财团给它牵制的无可奈何。中小财团其实不用它也能活。不过在游戏规则里永远是小人物。妥协是生意里很重要的事。当然那必须生意理论相同。那时誏一步可能有好结果。相反的，如果不同而必须用假象来妥协，最终是一起伤害没人有好处。再有的是最高管理层也容易混浠在某一种思想， 那就是理所当然使用他所熟悉的业务来管理公司。当他把大部分时间专注在一个部门而突然了其它。可以预知那公司不会有永远经营的能力。

小股民在买股票时，如果找到生意理论相同的管理层，应该把这长期股票持有。因为这不易也非常罕有。

人生苦短

Every second move means your life become shorter. So, playing a game must smart and enjoy. 人生苦短没有什么不同.

In order to enjoy the game, we should allow ourself be loser or winner and then trying hard to made it balance up the emotions. So, 100 butt or 1000 butt in your pocket per day it does not guarantee you can change your personality attitude. So, you can purchase a bread for a day to live or eat a fantasy dinner in a day but your wish is to living. The money in the pocket cause you have difference lifestyle. So, imbalance resources distribution among the human make relationship broke. Life age is limited and then all resources in your hand will be distributed it again.

Buy shares need to open your eye and your thinking must be positive. A prof will give you a lot of advices but you can say "No". Dun think they are always right and you are always wrong...