Lowyat.NET: Latest topics by AyaMasiN

I wanna say this very long liao

AyaMasiN — Thu, 03 Dec 2015 21:15:53 +0800

Babi punya olang. You all no give signal turn boleh. We no give signal turn u come show middle finger and ludah people.

More stupid is those people saying that car hit motor die but motor hit car nth. Bodoh. We work hard earn money to buy car u lazy and drive motor our problem? You song song no jam we stuck in jam but show middle finger when we car drivers change lane even with signal? Idiot mentality. Bodoh punya olang.

We work harder to buy car and you still wan us give you way nice nice to change lane? Hope those idiots get banged 99.

During jam wan change lane honk like ur mom dunno you are here like that. Bodo u change lane can la we change lane u honk. We pay toll all you all pay what? You all pay shit and still dare to act like road belongs to motorists and we car drivers are renting it. Bodo piang.

Lazy to work and get a car don't show ur bodo on the road. We car drivers work and earn harder than you all to afford one. Things don't come free. Majority tongkat mentality. Think car drivers owe you like that. Screw u all man.

Dont talk about bertolak ansur when you all are acting like jakun. During jam all cads give you all the privilege. Bodo.

Your employer pays you to learn

AyaMasiN — Wed, 02 Dec 2015 08:20:12 +0800

Tolded to me by some employer.

How true is this?

They say nowadays Gen Y with degree wan demand more than 2800.

2300 should be the market rate I was tolded.

Mohon pencerahan employer dari /k

How much you give ur parents per month?

AyaMasiN — Mon, 30 Nov 2015 08:29:57 +0800

Because they fund all my studies precuously.

What's the market rate? Am I giving too much?

Me and my Gf vs my bro and his gf

AyaMasiN — Sun, 29 Nov 2015 19:53:05 +0800

\asd

Come rate my tea-time

AyaMasiN — Sat, 28 Nov 2015 15:17:17 +0800

Just now no add poll

sudah kolos previous one

I am awesome with Mcbuk and SitarBuks.

All paid for by Maybank CC.

/k thinks im awesome?

Rate my awesome-ness

AyaMasiN — Sat, 28 Nov 2015 14:59:51 +0800

Lost money in stock market yday.

Saddingz so i come starbucks to lansi but no girls approach me.

The myth that apple to show off in Starbucks are busted. Coz no girl approach me.

Drinking latte sendiri.

Celeri havent out so use credit card to minum starbucks dulu.

I love CC

Market all LAOSAI

AyaMasiN — Fri, 27 Nov 2015 16:18:09 +0800

I lost like 70k of profit today because of the stupid market.

Still holding some shitty stock

Pipu earning tens of thousands

AyaMasiN — Wed, 25 Nov 2015 13:34:42 +0800

Wai ya? You earn so much. But all ur money go hoard it.

When you go see friends or family but u drive such car not sked kena laugh?

Mohon pencerahan. I'm not toking bout poor pipu but talking bout rich pipu that do not want to spend.

Please don't cite Warren Buffett.

Service centre vs bawah pokok service

AyaMasiN — Mon, 23 Nov 2015 07:30:56 +0800

Myelf like to use bawah pokok service centre for car. My bro like to use service centre for car. Long term my car more problem than his car eventho his car is older.

Mazda 3 vs polo tsi

Any /k feel like this too?

Stockpicking won't make you

AyaMasiN — Sun, 22 Nov 2015 19:38:35 +0800

WARNING: TLDR

You are not going to become a billionaire by playing the stock market. It doesn't matter if you're really good and get really lucky. It doesn't even matter if you start out with a relatively sizable fortune. The stock market is good for a lot of things, and investing has a role to play in nearly everyone's financial future, but it's not a vehicle for making billionaires.

That's not to say that it's impossible to make it to billionaire status. Forbes identified 1,826 billionaires in its 29th annual Billionaire List, including a record 290 first-time members. The world's super-rich come from an enormous range of backgrounds, and plenty started with little or no money to speak of. The key insight, however, is that none of them made it there from a brokerage account.

Warren Buffett, chairman of Berkshire Hathaway and self-made billionaire, is one of the richest people on the planet. He's probably the best-known investor of all time. The Oracle of Omaha bought his first stock, six shares of Cities Service, when he was just 11 years old. He stuck with the markets his entire life, trained under the great Benjamin Graham, teamed up with Charlie Munger, and entered 2015 with a net worth greater than $62 billion. It's a fantastic story, but one that's easy to misinterpret, nearly impossible to emulate and requires much more than just portfolio management.

Look at How the Super-Wealthy Actually Make Their Money
Most people get the Buffett story wrong. On the surface, the story's protagonist looks like a diligent, wise investor who studied business fundamentals, made good stock picks and rode a wave of above-average market returns to massive windfalls.

Buffett isn't the only example. Carl Icahn and George Soros each built billionaire stock portfolios since the 1960s, drawing legions of imitators in the process. Each one appeals to a different subset of investors: Icahn to contrarians, Buffett to fundamentalists and Soros to the psychology-based investor reflexivity advocates.

You can't follow in their investing footsteps to billionaire status because Buffett, Icahn and Soros aren't just investors. They are also shrewd entrepreneurs and businessmen with a keen ability to meet shareholder and consumer demands at the right time.

Consider Buffett, whose genius lay in personally evaluating business operations and discovering undervalued opportunities. By the time he was 31, Buffett actively ran seven different partnerships. He personally met with Walt Disney in 1965 before investing $4 million in Disney's company. By 1970, when Buffett was 40, the millionaire dissolved his (now amalgamated) partnership and divested its assets. He became chairman and chief executive officer (CEO) of Berkshire Hathaway, actively flying all over the country to perform valuations and meet with fellow entrepreneurs.

Buffett didn't just study financial statements and submit trade orders. He created a brand, advised up-and-coming companies on their operations and set up an entire national business network. Berkshire Hathaway makes money in ways that no individual investor can. This is partially due to the company's incredible cash flow, which lets Buffett cut deals that aren't available to the general public (called "sweeteners" in the trade). It's also because Buffett has the time and clout to travel around the world to investigate firms first-hand.

Look down the Forbes list of the 400 wealthiest people, and you'll see that none of them made their fortune by making stock picks alone. None of them were employees their entire careers. All of them are either entrepreneurs or the financiers of entrepreneurs. Most own businesses or are partners in multibillion-dollar ventures.

Take a Look at the Math
The S&P 500 returned at an average annualized rate of 9.6% between 1928 and 2014. Even with a generous bump up to 10%, it would take an investor more than 24 years of compounding growth to become a billionaire -- if he started out with $100 million in equities.

Most people (even some billionaires) don't have $100 million to invest in stocks. You're likely to need a lot more than 10% average annual growth to jump into the billionaire class.

Suppose you perform extremely well and save up $1 million worth of investable assets by age 30 – which is no small feat, since the Census Bureau estimates the median net worth for Americans under the age of 35 is a meager $6,682. You then apply all $1 million to the markets and somehow realize the same incredible 17.7% annual return as Warren Buffett's company, Berkshire Hathaway. In the end, your portfolio would grow to approximately $300 million by age 65. It's a lot of money, but it's still $700 million short of billionaire status.

If you're a 35-year-old with just $6,000 to invest, you'll need to average about 40% returns until you're 70 to become a billionaire. Even if you build an awesome portfolio, that's not happening.

The numbers don't add up. Take a realistic, practical look at your stock market expectations. Otherwise, it's too easy to become disenchanted with performance and either stop too soon or get too aggressive.

A Practical Look at Investing and Wealth-Building
In 2014, author and financial data guru Philip Fanara released a book titled "The Stock Market Outsider: Becoming a Billionaire." Fanara's book, which touts "knowledge that the average investor does not have," is just the latest publication in a long line of "get-rich-with-this-trick" tomes, and, like those that preceded it, it's just not reality. Two hundred pages of investor psychology or technical pattern recognition won't suddenly transform your brokerage account into a treasure trove.

Martin Fridson, author of "How to Be a Billionaire: Proven Strategies From the Titans of Wealth" hits the nail on the head. He points out, "If you beat stock indexes by 1% consistently for over 20 years, you're a massive superstar." The numbers have already shown that it's impossible to become a billionaire on this "massive superstar" level performance, at least without a massive head start.

Wall Street supplements wealth, and while the few real winners may find a few million on the exchanges, they're largely a tool to beat out inflation. Real fortunes, at least at the billionaire level, are built by entrepreneurs who find ways to put products or services in front of hundreds of thousands, if not millions, of consumers.

Read more: Stock Picking Won’t Make You a Billionaire http://www.investopedia.com/articles/inves...p#ixzz3sDfWgAdh
Follow us: Investopedia on Facebook

What happened to Johor Sultan 's son?

AyaMasiN — Sun, 22 Nov 2015 14:20:47 +0800

Anyone know what happened?

Are there any bllionaires

AyaMasiN — Sun, 22 Nov 2015 10:58:01 +0800

Do you all do charity like Bill Gates?

I start to regret that i applied credit card

AyaMasiN — Sat, 21 Nov 2015 12:31:10 +0800

Going 14th floor soon.

Whats the best rom for

AyaMasiN — Fri, 20 Nov 2015 14:22:05 +0800

Wan battery tahan lasak wan

What will happen

AyaMasiN — Fri, 20 Nov 2015 13:58:36 +0800

Say i carry two battery, one battery kong i go change. Then change again and again...

What will happen to the phone? Will it reads the battery percentage wrongly if i keep doing it?

Boughted SunGlobal battery to testing testing monica

Pipu that work 14 hours looking at com

AyaMasiN — Fri, 20 Nov 2015 06:44:30 +0800

Hmmm

So eberyone

AyaMasiN — Thu, 19 Nov 2015 19:58:05 +0800

Dont scare yourself pls. Its not possible. They are just creating stories. And i am working near KLCC.

Plenty of army people spotted. But i know nth is gonna happen.

Macam Lowyat 2 case, Red shirt case... Suma cakap besar tapi habuk pun tarak

Todei parcel sent at 3pm in Kedah

AyaMasiN — Thu, 19 Nov 2015 19:21:20 +0800

Why i always has this thinking?

AyaMasiN — Thu, 19 Nov 2015 18:46:35 +0800

That i am talking with?

I will ter-imagine i s******* him or s******* him?

No matter who i talk to also same. What is this cacat mentality called?

Mohon pencerahan /k

Does battery condition affects

AyaMasiN — Thu, 19 Nov 2015 18:44:51 +0800

Im curious because if battery is spoilt, it charges faster compared to perfect battery

Any gooding pencerahan?