Friday, October 3, 2014

Siapakah Warren Buffett???

Warren Buffett ialah pelabur paling berjaya, manusia ketiga terkaya di dunia malah pernah menjadi yang pertama pada suatu ketika dahulu dikatakan sebagai manusia yang paling puas hati dengan kehidupan. Gaya hidup yang amat sederhana yang jarang dimiliki oleh sesiapapun.

   1.  Berapa fakta tentang Warren Buffett:
   2. -Lahir pada tahun 1930, mula berniaga semasa umur 6 tahun dengan menjual botol coca-cola
   3. -mula membeli dan menjual saham pada umur 11 tahun
   4. -membeli estate pada umur 14 tahun dan merasa menyesal kerana merasa terlalu lambat
   5. -menjadi jutawan pada umur 19 tahun dan bilionnair pada tahun 1990.
   6. -membeli rumah kecil 3 bilik 50 tahun yang lalu dan masih tinggal di rumah yang sama sehingga sekarang.
   7. -Merasa puas dengan rumah yang ada tanpa perlu tambahan kerana merasakan segalanya sudah cukup dalam rumah itu untuk keperluan hidupnya
   8. -Rumahnya tidak berpagar.
   9. -sangat mencintai tugasnya menyebabkan dia tidak pernah bersungut tentang tugas.
  10. -suka menaiki kenderaan awam
  11. -membawa sendiri kereta lamanya tanpa mengupah pemandu
  12. -tidak pernah menaiki jet walaupun ia mempunyai syarikat jet terbesar di duni
  13. -mempunyai 63 syarikat besar tetapi tidak pernah menelepon para CEO syarikatnya untuk memberi arahan. Arahan diberikan hanya sekali setahun bagi memberitahu target syarikat untuk tahun itu.
  14. -Tidak ada mesyuarat dengan para CEOnya.
  15. -Hanya 2 peraturan diberikan kepada semua pekerjanya. Peraturan no1: Jangan biarkan duit pemegang saham hilang dengan cara apa pun. Peraturan no 2: Jangan lupa peraturan no 1
  16. -Tidak memiliki kad kredit
  17. -tidak memiliki telepon bimbit
  18. suit yang dipakainya sudah   berusia 16 tahun danmenghantarnya sendiri ke kedai baru-baru ini untuk dibetulkan sebab sedikit  terkoyak.
  19.  -pulang ke rumah waktu petang dan duduk menonton tv sambil makan popcorn bersama isterinya.
  20. -tidak ada percutian untuk menenangkan perasaan kerana dia merasakan hidupnya sudah cukup tenang
  21. -memberikan  99% hartanya kepada badan kebajikan terutama kepada Yayasan Bill & Melinda Gates pada tahun 2010.
  22. -Kali pertama Bill Gates menemui beliau adalah pada tahun 2006 di rumah Warren. Bill bercadang untuk bertemu sekejap saja tetapi akhirnya terpukau dengan falsafah hidup Warren dan menghabiskan masa lebih setengah hari dengan  Warren. Pertemuan itu telah  merubah paradigma kehidupannya sendiri.
  23. -Tidak memanjakan anak-anaknya yang 3 orang itu dengan warisan harta kerana percaya setiap manusia perlu berusaha untuk hidup. Oleh itu anaknya2 tidak pun dicatatkan sebagai penerima harta waris yang banyak kerana hampir keseluruhan hartanya sudahpun diwasiatkan untuk badan kebajikan.
  24. -Nasihat Warren kepada orang muda  ....                

       1. kad kredit adalah syaitan (evil) yang perlu dijauhi,
       2. jangan membazir duit

LAGI FAKTA MENARIK :-

Warren hidupnya tenang kerana dia amat seronok mencari duit tetapi tidak dikuasai duit. Bagi dia harta adalah hamba dan dia adalah tuan. Dia seronok melihat orang lain gembira sehinggakan pekerjanya juga seronok bekerja dengannya.

Warren Buffet  Sikapnya mengeluarkan aura luar biasa untuk diikuti oleh orang lain. Setiausahanya terpaksa menolak apabila warren hendak menaikkan gajinya kerana ia juga merasa malu dengan gaji yang terlalu besar.

Forex (FOReign EXchange market)

Forex (Foreign Exchange Market)

Forex is an inter-bank market that took shape in 1971 when global trade shifted from fixed exchange rates to floating ones. This is a set of transactions among forex market agents involving exchange of specified sums of money in a currency unit of any given nation for currency of another nation at an agreed rate as of any specified date. During exchange, the exchange rate of one currency to another currency is determined simply: by supply and demand – exchange to which both parties agree

Forex is an inter-bank market that took shape in 1971 when global trade shifted from fixed exchange rates to floating ones. This is a set of transactions among forex market agents involving exchange of specified sums of money in a currency unit of any given nation for currency of another nation at an agreed rate as of any specified date. During exchange, the exchange rate of one currency to another currency is determined simply: by supply and demand – exchange to which both parties agree.

The scope of transactions in the global currency market is constantly growing, which is due to development of international trade and abolition of currency restrictions in many nations. Global daily conversion transactions came to $1,982 billion in mid-1998 (the London market accounted for some 32% of daily turnover; the New York market exchanged approx. 18%, and the German market, 10%). Not only the scope of transactions but also the rates that mark the market development are impressive: in 1977, the daily turnover stood at five billion U.S. dollars; it grew to 600 billion U.S. dollars over ten years – to one trillion in 1992. Speculative transactions intended to derive profit from jobbing on the exchange rate differences make up nearly 80% of total transactions. Jobbing attracts numerous participants – both financial institutions and individual investors.

With the highest rates of information technology development in the last two decades, the market itself changed beyond recognition. Once surrounded with a halo of caste mystique, the foreign exchange dealer’s profession became almost grasroots. Forex transactions that used to be the privilege of the biggest monopolist banks not so long ago are now publicly accessible thanks to e-commerce systems. And the foremost banks themselves also often prefer trade in electronic systems over individual bilateral transactions. E-brokers now account for 11% of the forex market turnover. The daily scope of transactions of the biggest banks (Deutsche Bank, Barclays Bank, Union Bank of Switzerland, Citibank, Chase Manhattan Bank, Standard Chartered Bank) reaches billions of dollars.

The FOREX market as a place where to apply one’s personal financial, intellectual and psychic power is not designed for attempts at catching a bluebird there. Sometimes someone manages to do so but for a short time only. The key advantage of a forex market is that one can succeed there just by the strength of one’s intelligence.

Another essential feature of the FOREX market, no matter how strange it might seem, is its stability. Everybody knows that sudden falls are very typical of the financial market. However, unlike the stock market, the FOREX market never falls. If shares devalue it means a collapse. But if the dollar slumps, that only means that another currency gets stronger. For instance, the yen strengthened by a quarter against the dollar late in 1998. On some days dollar fell by dozens percentage points. However, the market did not collapse anywhere; trading continued in the usual manner. It is here that the market and the related business stability lie - currency is an absolutely liquid commodity and will be always traded in.

The FOREX market is a 24-hour market that does not depend on certain business hours of foreign exchanges; trade takes place among banks located in different corners of the globe. Exchange rates a`re so flexible that significant changes happen quite frequently, which enables to make several transactions every day. If we have an elaborate and reliable trade technology we can make a business, which no other business can match by efficiency. It is not without reason that the pivotal banks buy expensive electronic equipment and maintain the staffs of hundreds of traders operating in different sectors of the FOREX market.

The starting costs of joining this business are very low now. Actually, it costs several thousands of dollars to take a course of initial training, to buy a computer, to purchase an information service and to create a deposit; no real business can be established with this money. With excessive offers of services, finding a reliable broker is also quite a real thing. The rest depends on the trader himself or herself. Everything depends on you personally, as in no other area of business now.

The main thing the market will require for successful operations is not the quantity of money you will enter it with – the main thing is the ability to constantly focus on studying the market, understanding its mechanisms and participants’ interests; this is constant improvement of one’s trade approaches and their disciplined implementation. Nobody has achieved success in that market by forcing one’s way with one’s capital atilt. The market is stronger than anything else; it is even stronger than central banks with their huge foreign exchange reserves. George Soros, a national hero of the FOREX market, did not win the Bank of England at all, as many of us believe – he made the right guess that, with existing contradictions inherent in the European financial system, there were plenty of problems and interests that would not allow to hold the pound. That’s exactly what happened. The Bank of England, having spent nearly $20 billion to maintain the pound rate, jacked it up, by giving it in to the market. The market settled this problem, and Soros got his billion.

The global monetary system has gone a long way during thousands of years of the human history, but it is surely experiencing the most exciting and earlier unthinkable changes. The two main changes determine a new image of the global monetary system: