公共交通枢纽 (Public Transport System)

如果我们要成为先进国,一个完善的公共交通服务系统是必要的。在人口稠密的城市地区,类似新加坡、香港、日本等地的地铁与公共巴士系统能带来实质的高经济效益。

完善的公共交通枢纽有系统与有目的的把人口稠密住宅区、商业活动区与娱乐休闲区连接起来,达成一石多鸟的效益:
1。时间效益
2。环保
3。缓和城市交通拥挤
4。经济与金融效益

一个有效率和值得信赖的公共交通系统,不止让人们不用每天浪费时间在上下班的塞车时段(从而可以腾出更多时间从事有生产力的工作、陪伴家人或促进邻里关系),也顺道减轻塞车造成的精神与心理压力。

汽车使用量的减少,让市中心交通拥挤现象可以减低的同时,也减低整体碳排量(可能为未来货币单位铺路),为环保尽一份绵力。

经济与金融效益可以参考的资料:
铁路实际上是在一片土地打开一个通道,这些土地向各行各业的开发者出售,从而将各种各样的生产、加工、贸易活动集中到铁路沿线。正是这种商业活动创造了铁路运输的需求,而这种需求支付了铁路的建设成本和运作成本,并为铁路创造效益。这才是铁路金融的精华。

最重要的是:理论永远是靠人去实践的,实践理论的人有着自己的利益格局,如何将理论的目标与实践者的利益结合在一起,这是伟大的政治家与伟大的思想家之间重要的区别。

在现实社会中,实践从不按照理论的逻辑来发展,因为实践理论的人,永远遵循的是利益的游戏规则。理论对于实践的作用,必须通过符合实践理论的人群所墨守的利益游戏规则才能得以真正实现。

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Resolution 2010: Double The Income, Halves The Works

Dear esteemed colleagues and members,

It had been almost 3 weeks past the 2010 New Year celebration. What had you done in the past 18 days that could have made your life better?

Clarity Leads to Power

One of the thing I learned in Money & You Program is “Clarity Leads to Power”. As you may already know, if you failed to plan, you are planning to fail.

Take for example the subject of this email “Double The Income, Halves The Works”. …

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Show Me The Money

An edited version of a private mail:

A little concern business wise, “Show me the money” had always been what being said out of my investors mouth, throughout the years … :D

Just want to make sure and re-affirm some key points here:

1. CREATE VALUES - to our businesses, customers, investors, business partners and whoever involved in the business

2. Why money from market must use for re-invest into business? How money are used after businesses receive money from the market?

Refer: Who Get Paid First and Who Get Paid Last (http://howtze.blogspot.com/2008/06/who-gets-paid-first-and-who-gets-paid.html)

3. Why we should operate and leverage to the fullest?

公司并不一定是一个真实的实体,公司可以只是一些符合法律要求的文件,在政府注册后就被放在了律师的办公室里。公司并不意味着要有刻着公司名称的大楼、厂房和雇员,它可以只是一个没有灵魂的法律实体,但富人的财富在这里得到保护。
A Litte Notes about What Company May Be (http://howtze.blogspot.com/2008/02/blog-post_1663.html)

4. I think from this point onwards we need to be 严正看待生意,不能再走宽松政策. ;)

Every dollar and cents count in business. Every second is money (time is money). I won’t mind spending $70 in Dome KLCC for just a supper,or spending time to yamcha for catch ups. But when it comes to business, we really need to calculate for EVERY SINGLE DOLLAR SPENT, WHAT IS THE ROI ?

And to your knowledge, it is the intangible assets and invisible investment that is overlooked or neglected by most people.

人脉就是钱脉,子弹不可以乱乱射!
几十块钱,几百块钱不是什么大数目,但是好几个、几十个几百块就是一笔可观的帐目。

Figures and cash flows (how money are collected and spent) tell a lot.
And make sure, whatever mistakes in previous businesses, don’t repeat (when you lose, don’t lose your lessons….).

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Reading Guide for “Path to Freedom”

As most of the articles are in blog format, I just re-arrange the topics in the sequence below:
What’s the Name of the Game?
The Rules of the Game
From KL to Shanghai
How Much Money is Enough ?
YOU Are the Golden Goose ! Are You ?
Assets & Liabilities
The Rich’s Playground
Part Time Business, NOT Part Time Job
This shall be able to give some guidance on “what should I do in order to be free?”.

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Part Time Business, NOT Part Time Job

This shall be the last part of ‘Path to Freedom’ that I can share with you.

The formula is simple:

Time Freedom -> Geographical Freedom -> Financial Freedom

First get your time freedom, then it is optional whether you would want your geographical freedom first or your financial freedom first.

Why geographical freedom?

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The Rich’s Playground

In markets, anything that “make sense” make money. It is your position in that particular game that determine how much you make. In general, as briefed in article “From KL to Shanghai” there are 4 key areas t make money.

Biz = Businesses
R.E. = Real Estates
P.A. = Paper Assets
V.P. = Virtual Properties

Let’s cover a very brief info in each of every section at the moment.

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Assets & Liabilities

We had went through some keywords in previous article: YOU Are the Golden Goose! Are You? :
Active Income, Passive Income, Income Streams, Golden Goose, Cash Cow.

Before we go into The Rich’s Playground, some other important keywords here are:
Assets & Liabilities, Cashflow, ROI (Return on Investment), Leverage

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YOU Are the Golden Goose ! Are You ?

If you don’t know how to LEVERAGE, you may be working your way too hard…..

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How Much Money is Enough ?

Many people say they “need” a lot of money to solve their financial problems/needs.

I quoted the word “need” above because I think the more appopriate word to use is “want”.

How much is “a lot of money” to you? 500,000 ? 1 million ? 5 million ? The more the merrier ?

I say, we don’t need millions to get by our days.
(Matthew 6:26 :
Look at the birds in the sky. They don’t plant or harvest or gather food into barns, and yet your heavenly Father feeds them. You are more valuable than they are, aren’t you?
)

Money is an idea, wealth is a habit. To further illustrate, let’s see some case studies.

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From KL to Shanghai

If you decide to go to Shanghai from KL, there are MANY options for you to travel.


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