Flexter - Bisnis Pulsa yang lagi Booming

CARA BERGABUNG

Modal awal/biaya pendaftaran sebesar Rp.175.000,- dan Anda langsung mendapatkan :

1. kartu aktifasi yang berfungsi sebagai kartu diskon CCI dan OVIS senilai Rp. 97.500,-
2. keanggotaan seumur hidup, dan dapat di wariskan
3. Mendapatkan Pulsa www.hut-hut.com senilai Rp. 10.000,-
4. flexter memberikan kesempatan seluas-luasnya bagi member yang ingin beriklan gratis seumur hidup secara online lewat website flexter / www.flexterkita.com dengan format kolom dan gambar Senilai Rp. 8.000,- / hari (Sesuai dengan rating tarif iklan internet internasional yang dibuat biro iklan online internasional)
5. Kedealeran Pulsa (Bisa membuat agen dan memarkup harga) senilai Rp. 100.000,-


POTENSI PENGHASILAN

Dalam waktu yang tidak terlalu lama jka member mengikuti program flexter secara serius
maka member dapat menghasilkan sebuah penghasilan yang pasif dan berkesinambungan

1. Potensi penghasilan dari bonus Sponsor Rp.50.000 /Member
2. Potensi penghasilan dari bonus Pasangan Rp. 27.500/pasang
3. Potensi penghasilan dari bonus duplikasi Rp. 1000 Sampai 6 generasi.

* Bonus pasangan menunggu
* apabila terjadi flush out dan masih ada titik yg belum terpasangkan, maka titik terebut tetap akan di pasangkan pada hari berikutnya.

BONUS SPONSOR

Adalah bonus yang di dapat dari mensponsori orang untuk menjadi member flexter kami berikan bonus Rp. 50.000


BONUS PASANGAN

Adalah bonus yang diberikan ketika terjadi keseimbangan kaki, antar kaki kiri dan kaki kanan kami berikan Bonus sebesar Rp. 27.500 / pasang,Per Hari Maximal Bonus 12 pasang (flush out) = Rp.330.000


BONUS DUPLIKASI

Bonus DUPLIKASI adalah, Bonus yang di dapatkan dari bonus pasangan member yang anda sponsori sampai dengan 6 generasi


Jika member bisa menduplikasikan 4 generasi 1 , maka potensi penghasilan dari bonus duplikasi yang baru :
G1 : 4 , masing-masing 1 pasang sehari, komisi duplikasi anda : Rp. 4.000
G2 : 16 , masing-masing 1 pasang sehari, komisi duplikasi anda : Rp. 16.000
G3 : 64 , masing-masing 1 pasang sehari, komisi duplikasi anda : Rp. 64.000
G4 : 256 , masing-masing 1 pasang sehari, komisi duplikasi anda : Rp. 256.000
G5 : 1024 , masing-masing 1 pasang sehari, komisi duplikasi anda : Rp. 1.024.000
G6 : 4096 , masing-masing 1 pasang sehari, komisi duplikasi anda : Rp. 4.096.000

Total Komisi anda, Rp. 5.460.000,- / hari

SHARING PULSA
10% x PROFIT FLEXTER : JUMLAH TOTAL MEMBER FLEXTER
di bagikan dalam bentuk pulsa

SHARING PROFIT
JUMLAH BONUS ANDA : JUMLAH TOTAL BONUS MEMBER FLEXTER X 10% x PROFIT FLEXTER
dibayarkan ketika perusahaan mendapatkan profit

SHARING LOSS
JUMLAH BONUS ANDA : JUMLAH TOTAL BONUS MEMBER FLEXTER X TOTAL OVER PAID

BONUS TAHUNAN FLEXTER

Setiap tahun member akan mendapatkan repeat order bonus dari setiap member yang telah dibangun sebesar Rp. 6000,- / titik sampai dengan 10 generasi, yang didapatkan dari perbaharuan kartu diskon member.

Generasi adalah posisi level dari member yang kita sponsori (seperti perhitungan bonus duplikasi), Bonus ini bersifat repeat order dan dapat berulang tiap tahunnya.

Setiap member akan diberlakukan auto maintenance untuk perbaharuan kartu tiap tahunnya, yaitu dengan memotong Rp. 300,- setiap rekapitulasi bonus sebanyak 300 kali (selama 1 tahun).

MERCHANTS KARTU DISKON AKAN TERUS DITAMBAH SETIAP BULANNYA, SEHINGGA MENINGKATKAN FASILITAS KARTU DISKON MEMBER.

KOMITMEN FLEXTER SEBAGAI SUMBER PULSA ELEKTRONIK

Dalam dunia penjualan pulsa elektronik ada beberapa hal yang harus menjadi perhatian utama anda sebagai agen / member panjualannya, kami FLEXTER memberikan komitmen 3 S terhadap kualitas produk kami, yaitu :

1. SISTEM Transaksi ONLINE 24 Jam

Banyak dealer penjualan pulsa yang transaksinya dibatasi, ini menunjukkan kemampuan sistem server dealer pulsa dalam melayani transaksi Sistem Kami menyediakan Alamat Web yang bisa menunjukkan rekap transaksi REAL TIME di www.flexterpulsa.com

Hal ini sangat memudahkan anda sebagai member / agen dalam mengontrol administrasi keluar masuk deposit pulsa, disertai dengan data tanggal, jam, jenis transaksi, dan mutasi saldo yang lengkap. Semua ini bisa diakses dimanapun dan kapanpun melalui internet. Dealer lain yang tidak memiliki fasilitas ini akan sangat menyulitkan jikalau terjadi miss komunikasi antara member dengan perusahaan, apalagi kalau sampai terjadi kesalahan transaksi untuk melacaknya akan sulit sekali.

Segala Fasilitas Reply SMS FREE / GRATIS

Kami menyediakan report / laporan SMS yang selalu update GRATIS, seperti : Cek Saldo, Cek Rekap transaksi, Report Sukses / Gagal, Ganti Pin, Report terima Deposit, Info, DLL, dimana sebenarnya ini semua membutuhkan BIAYA. Dealer lain yang mempunyai harga lebih murah biasanya banyak laporan yang tidak ditunjukkan, atau dealer tersebut mengenakan biaya tambahan untuk cek saldo atau cek rekap transaksi misalnya.

2. STOK PULSA SELALU READY DAN ADA BACKUP JIKA HABIS
Banyak Dealer pulsa bisa murah harganya, tetapi stock sering habis, ini dikarenakan sistem pembelian pulsa kepada operator (terutama Telkomsel) mengharuskan adanya paket pembelian nominal pulsa, contoh : jika dealer ingin membeli simpati 20 (100 unit) maka dealer diwajibkan membeli juga simapti 50,100,dan 150 dengan ketentuan perbandingan tertentu. Ketika Simpati 20 sudah habis terjual oleh agen / member, maka dealer harus membeli kembali simpati 20, dan sekaligus paketnya kembali, jika ini berlangsung terus menerus, jika modal dealer tidak kuat dan modal terhenti pada stock simpati 50,100,dan 150 yang belum habis,maka dealer tidak mampu lagi membeli simpati 20, dan akhirnya menunggu terlebih dahulu stock simpati 50,100,dan 150 habis baru bisa menyediakan stock simpati 20 kembali.
Kami selalu sedia backup jika stock habis, contoh produk ST dan S (simpati), kalau ST nya habis member bisa memakai S , sebagai beckup.

3. SERVICE
Kualitas service dalam layanan penjualan pulsa elektrik merupakan parameter utama profesionalisme dealer pulsa. Dengan Sistem dan Stock yang selalu ready dan transparan disertai pelayanan custumer service kami yang selalu siap melayani maka service kami sudah cukup untuk membuat member / agen tenang menjalankan bisnis isi ulang pulsa elektrik ini.

FLEXTER ROYALTY PULSA

Program ini merupakan modifikasi dari komisi transaksi dan cash back level 12 pada marketing plan sebelumnya. Flexter mempersembahkan sebuah sistem komisi dari pemakaian dan penjualan pulsa member yang membuat penghasilan yang terus-menerus dan tidak terbatas, mengingat pemakaian pulsa dan penjualan pulsa di seluruh Indonesia sangat besar dan berkelanjutan. SAAT INI TERDAPAT KURANG LEBIH 150 JUTA PEMAKAI HP DI SELURUH INDONESIA YANG SELALU MEMBELI PULSA SETIAP BULAN.

Komisi infinity program diberikan berdasarkan jaringan generasi / matahari (seperti perhitungan bonus tahunan). Terdapat dua macam bonus dalam infinity program yaitu :

1. Komisi transaksi 10 generasi
2. Komisi cashback 10 generasi

Besar komisi transaksi yang didapatkan :

Generasi 1 : Rp. 5,- / transaksi pulsa
Generasi 2 : Rp. 5,- / transaksi pulsa
Generasi 3 : Rp. 5,- / transaksi pulsa
Generasi 4 : Rp. 5,- / transaksi pulsa
Generasi 5 : Rp. 5,- / transaksi pulsa
Generasi 6 : Rp. 10,- / transaksi pulsa
Generasi 7 : Rp. 10,- / transaksi pulsa
Generasi 8 : Rp. 15,- / transaksi pulsa
Generasi 9 : Rp. 15,- / transaksi pulsa
Generasi 10 : Rp. 25,- / transaksi pulsa

Besar komisi cashback yang didapatkan :
Komisi transaksi cashback dihitung dari omzet pulsa selama 1 (satu) bulan yang didepositkan ke flexter dari setiap generasi anda

Setiap generasi akan dihitung setiap bulan berdasarkan perhitungan :

Deposit pulsa :
0 -100 juta mendapatkan cashback : 0,025%
100 500 juta mendapatkan cashback : 0,0375%
> 500 juta mendapatkan cashback : 0,05%

Berikut ilustrasi jika anda membuat duplikasi 4 pada jaringan generasi anda, kemudian masing2 member melakukan 4 X saja transaksi / bulan (minimal untuk pemakaian pribadi & keluarga) dan deposit / member 100.000 / bulan (minimal untuk dipakai sendiri) :

Posisi Member Jumlah Member/ Generasi (Asumsi) Deposit/ Bulan

Total Omzet
Generasi 1 4 Rp.100.000,- Rp.400.000,-
Generasi 2 16 Rp.100.000,- Rp.1.600.000,-
Generasi 3 64 Rp.100.000,- Rp.6.400.000,-
Generasi 4 256 Rp.100.000,- Rp.25.600.000,-
Generasi 5 1.024 Rp.100.000,- Rp.102.400.000,-
Generasi 6 4.096 Rp.100.000,- Rp.409.600.000,-
Generasi 7 16.384 Rp.100.000,- Rp.1.638.400.000,-
Generasi 8 65.536 Rp.100.000,- Rp.6.553.600.000,-
Generasi 9 262.144 Rp.100.000,- Rp.26.214.400.000,-
Generasi 10 1.048.576 Rp.100.000,- Rp.104.857.600.000,-

Total Komisi Cashback/ Bulan
Rp.69.819.700,-

Infinity program mempunyai VISI mengubah kebiasaan orang membeli pulsa dari penjualan konvensional menjadi pembelian via deposit ke flexter (bisa dilakukan di semua ATM yang ada di seluruh indonesia), harga yang didapatkan merupakan harga agen dan bisa dijual lagi atau dipakai untuk pemakaian sendiri.

Dengan mengajak sebanyak-banyak orang mengikuti infinity program ini, anda akan mempunyai potensi penghasilan berkelanjutan yang besar dengan melihat jumlah pemakai HP diseluruh Indonesia yang mencapai kurang lebih 150 juta pengguna.

To-Infinity Club Penghasilan 77 Juta / bulan

* Dapat Pulsa Murah
* Penghasilan 77 Juta / bulan dari
* Smart Dealer-Pasif Income dari Royalty Pemakaian / Penjualan Pulsa

Hanya Dengan Bergabung Di To-Infinity Club Selama 12 Bulan. Klub ini merupakan sebuah program kerja Online untuk member FLEXTER yang memungkinkan pengikut klub ini bisa meraih penghasilan Rp. 77 juta / bulan dari royalty Pemakaian / penjualan pulsa member dia yang mengikuti klub ini juga.

Klub ini merupakan arahan program target kerja, sehingga member bisa fokus pada kualifikasi klub ini, yang pada akhirnya akan membuat duplikasi yang luar biasa dan menghasilkan bonus repeat order yang tinggi

Syarat untuk kualified di to-infinity club adalah :

1. Deposit Pulsa minimal Rp. 150.000,- / bulan (Bisa Dari Bonus atau deposit manual)
2. Transaksi pulsa minimal 4 X / bulan (nominal dan operator bebas)
3. Presentasi bisnis FLEXTER minimal 15 x / bulan
4. Mengajak/mensponsori minimal 2 member baru bergabung di flexter per bulan
5. Menduplikasikan diri dengan cara mendaftarkan minimal 2 member di generasi 1 kita untuk masuk klub ini setiap bulannya

Jika kita secara konsisten menjalankan 5 kebiasaan klub ini dan terduplikasi di dalam jaringan kita,maka selama 12 bulan sejak anda bergabung di klub ini anda akan memperoleh penghasilan :

1. Dari Royalty Transaksi pulsa semua pengikut klub sebesar Rp. 35.005.120,-
2. Dari Royalty Cash Back Deposit Pulsa sebesar Rp. 42.732.600,-

Sehingga total royalty anda Rp. 77.737.720 ,- / bulan

Perhitungan bonus diatas adalah berdasarkan bonus royalty transaksi dan cashback marketing plan FLEXTER. Setelah semua member bertransaksi dan deposit sesuai dengan syarat klub ini, maka dapat dihitung besar royalty anda seperti telah disebutkan diatas.

Royalty ini bersifat repeat order dan pasif income. Mengingat kebutuhan pulsa yang terus menerus dan pengguna HP semakin bertambah setiap harinya. Saat ini tercatat kurang lebih 110 juta pengguna HP di seluruh nusantara dan setiap harinya terus berkembang.

Bonus 77 juta tersebut diatas tidak termasuk bonus recruitment FLEXTER, seperti bonus sponsor,bonus pasangan,bonus duplikasi,bonus pensiun, dan bonus tahunan.

Untuk lebih mempererat / memperkuat to-infinity club, maka akan diadakan to-infinity club meeting setiap bulannya di setiap kota. Meeting ini akan dipimpin setiap leader yang berada di kota tersebut, jika terdapat minimal 50 orang kualified di suatu kota, maka meeting tersebut akan dipimpin langsung oleh top leader FLEXTER nasional, atau bahkan dari perusahaan akan ikut memimpin meeting tersebut. Materi yang disampaikan akan sangat bermanfaat untuk pengembangan klub ini.
To-infinity Club meeting akan diadakan setiap bulannya (jadwal akan diumumkan di website www.flexterkita.com).

Jika anda Join To Infinity Club di website FLEXTER, maka di menu member anda akan ada penunjuk apakah anda kualified atau tidak selama periode bulan berjalan, jika anda kualified maka secara otomatis ID dan nama anda akan muncul sebagai member yang kualified di web FLEXTER, dan semua syarat kualifikasi sudah terhitung secara otomatis sesuai dengan kerja dan transaksi anda, hanya presentasi 15 kali yang memang berdasar kejujuran anda menginput data presentasi anda

Data yang anda input di form registrasi to-infinity club sama dengan data ID anda, termasuk passwordnya juga sama dengan password anda yang dipakai untuk login di web FLEXTER

Keterangan lebih lanjut dapat di lihat di http://www.flexterkita.com
Kalau berminat hubungi Nico email : djamoe@yahoo.com, djamoe@gmail.com
YM id:djamoe , Gtalk ID :djamoe

TDW University - Rencana Menjadi Kaya

Seberapa cepatkah anda menjadi kaya?

Keterangan :

Jika anda mau membangun rumah maka sebagian orang akan memanggil arsitek dan
arsitek itu bersama anda membuat rencana. Tetapi ketika orang yang sama memulai
membangun kekayaan mereka atau merencanakan masa depan, mereka tidak pernah
mendesain rencana finansial untuk hidup mereka. Mereka tidak mempunyai garis besar
rencana kerja untuk menjadi kaya. Bahkan banyak orang tidak mempunyai rencana,
mereka hanya menjalani hidup saja dan hanya bermimpi sewaktu-waktu mereka akan menjadi kaya.
Banyak juga orang yang menggunakan satu-satunya jurus andalan, yaitu merencanakan
untuk bekerja keras dan mereka tidak pernah kaya. Karena apa yang mereka kerjakan
sekeras apapun memang tidak memungkinkan mereka untuk menjadi kaya.

Contoh, menjadi buruh pabrik atau kuli bangunan, walaupun sekeras apapun mereka bekerja
akan sulit sekali untuk menjadi kaya.

Ada juga orang yang mempunyai rencana yang lambat untuk menjadi kaya, rencana tersebut
yaitu bekerja keras dan menabung. Dengan mengikuti rencana tersebut maka jutaan orang
akan menghabiskan hidupnya dengan memandang keluar jendela dari kereta mereka yang lambat
atau dari mobil mereka yang terjebak dari kemacetan lalu lintas menyaksikan limosin, helikopter,
pesawat jet perusahaan, rumah- rumah mewah.

Dan yang paling menyedihkan ada juga orang yang mempunyai rencana untuk menjadi miskin.
Begitu banyak orang mengucapkan kata-kata seperti ayah miskin Robert Kiyosaki
“Ketika saya pensiun, maka penghasilan saya akan berkurang”. Dengan kata lain mereka
merencanakan untuk bekerja keras seumur hidup hanya untuk menjadi miskin.

“Saya membutuhkan kecepatan.” Kata Tom Cruise dalam Film Top Gun.

Ide bekerja seumur hidup, menabung, dan menaruh uang dalam rekening pensiun merupakan
rencana yang sangat lambat. Rencana ini bagus dan masuk akal oleh 90% orang tetapi bukan
rencana bagi orang yang ingin pensiun muda dan pensiun kaya.

Berikut adalah beberapa ide tentang cara untuk membangun rencana yang lebih cepat:

1. Pilih strategi keluar anda terlebih dahulu . Kita harus mulai dari yang akhir, seperti
yang dikatakan oleh Steven R. Covey dalam bukunya Seven Habits. Jadi kita harus menentukan
dulu umur berapa kita ingin pensiun, berapa banyak uang yang kita miliki saat itu, atau
berapa banyak pasif income kita pada waktu kita pensiun. Kemudian dalam logika saya sendiri maka kita harus;

2. Cari bidang apa yang kita suka atau mungkin kita akan suka yang bisa menghasilkan seperti
yang kita tentukan sebelumnya. Apabila apa yang kita kerjakan sekarang tidak memungkinkan
kita mencapai impian tersebut, Let It Go!

3. Kita cari orang yang sudah berhasil mencapai impian kita untuk diajak kerja sama
atau belajar kepada orang tersebut.

4. Gunakan faktor kali atau leverage.

Maksudnya kita bisa menggunakan RICE (Resources, Ide, Contact, Expertise) dari orang lain.

Sudahkah anda membuat rencana anda untuk menjadi kaya, dan seberapa cepatkah rencana anda?

Semoga bermanfaat. Salam Dahsyat!

untuk melengkapi rencana Anda menjadi Kaya silahkan download materi tambahan :
eBook 24 Prinsip Miliarder yang mencerahkan oleh Tung Desem Waringin dan tiket
seminar 3 hari Financial Revolution senilai Rp. 4.933.500,- ,
silahkan klik disini : http://www.tdwuniversity.com/launch/?id=1156

TDW University - Mengapa yang kaya Semakin Kaya

Kenapa orang kaya semakin kaya, kelas menengah bergumul terus,
dan yang miskin bablas miskin.

Kenapa orang kaya semakin kaya, karena begitu orang kaya penghasilannya
bertambah besar maka gaya hidupnya sementara tetap (menunda kesenangan).
Penghasilan yang lebih ini diinvestasikan kedalam asset (beli saham yang
menghasilkan deviden, rumah kost kost-an, ruko yang dikontrakkan, Mall yang
disewakan, sarang walet, usaha-usaha yang menghasilkan, dll). Sedemikian
sehingga penghasilan mereka bertambah besar. Dan ketika penghasilan mereka
bertambah besar lagi, mereka investasikan lagi ke dalam asset tersebut diatas,
sehingga semakin kaya dan semakin kaya lagi.

Kenapa orang menengah bergumul terus secara financial? Ketika orang
menengah penghasilannya bertambah besar maka dia mencicil rumah yang
lebih besar, mobil yang lebih besar, handphone yang lebih canggih,
komputer yang lebih modern, televisi yang lebih besar, audio yang
lebih canggih dan banyak sekali uang untuk kewajiban sehingga masuk
kedalam pengeluaran. Orang menengah ini bisa memiliki rumah yang besar,
mobil yang besar tapi tidak mempunyai uang yang bekerja untuk dia. Dan
seumur hidupnya menjadi budak uang karena membayar cicilan semakin besar seumur hidupnya.

Kenapa orang miskin bablas miskin ?

Orang miskin tidak perduli seberapa besar pun penghasilannya semua akan masuk ke pengeluaran.

Contoh :

Orang miskin begitu penghasilannya bertambah besar mereka beli TV yang besar,
beli jamnya yang mahal, beli hp yang lebih baru, beli baju mahal, makan di
restoran mewah, ikut keanggotaan fitness, ikut asuransi yang tidak perlu, dll.

Pertanyaannya :

Bila penghasilan Anda bertambah besar, Anda belikan apa? Hal-hal yang
menghasilkan uang lagi atau hal-hal yang menghabiskan uang. Silahkan dijawab,
Anda yang tahu termasuk golongan manakan Anda?

untuk melengkapi pembelajaran Anda silahkan Anda download eBook
24 Prinsip Miliarder yang Mencerahkan oleh Tung Desem Waringin senilai Rp. 250.000,-
dan seminar 3 hari Financial Revolution senilai Rp. 4.933.500,-
klik disini : http://www.tdwuniversity.com/launch/?id=1156

TDW University - Rahasia Menjadi Kaya dan Bertumbuh Semakin Kaya

Kekayaan adalah sama dengan kemampuan untuk terus bertahan hidup
dengan gaya hidup yang ada, tanpa harus bekerja.

Keterangan:

Penelitian yg dilakukan oleh Gallup International menunjukkan bahwa
rata-rata eksekutif ibukota & Asia kaya mampu bertahan 90 hari dengan
gaya hidup yang ada apabila besok dia berhenti kerja. Setelah itu mereka
harus mulai menjual asset atau berhutang.

Kaya adalah relatif. Sebagian orang merasa kaya ketika mempunyai uang
10 juta rupiah. Sebagian orang merasa tidak kaya walaupun sudah memiliki
uang 10 milyar. Menurut majalah Forbes kaya adalah orang yang mempunyai
penghasilan 1 juta US keatas setahunnya. Sedangkan menurut Robert T. Kiyosaki
yang mengutip dari gurunya Buckminster Fuller bahwa kaya adalah bukan berapa
besar active income anda melainkan kaya adalah apabila passive income lebih
besar dari biaya hidup. Yang dimaksud passive income disini adalah uang yang
masuk tanpa harus bekerja.

Sebagai perbandingan Mike Tyson, dia menghasilkan 300 juta USD sewaktu bertinju,
tapi hari ini bangkrut dan masih berhutang 35 juta USD. Maka sebetulnya Mike Tyson
bukan termasuk kaya, termasuk pula di dalam kategori orang yang bukan kaya
adalah orang-orang yang punya penghasilan 1 Juta USD/tahun namun pengeluarannya
1,2 juta USD/tahun.

Pertanyaan penting kali ini adalah:

1.) Bila besok anda berhenti kerja, berapa lama anda dapat bertahan hidup dengan
gaya hidup anda sekarang tanpa harus menjual asset-asset anda?

2.) Lalu bagaimana kita bisa kaya menurut versi Robert T. Kiyosaki dimana passive
income lebih besar dari biaya hidup?

Jadi sebetulnya menurut Robert T. Kiyosaki, kaya adalah bagaimana menciptakan
passive income lebih besar dari biaya hidup.

Cara membuat passive income:

- Royalti dari hak cipta
- Rumah yang disewakan/ dikostkan
- Saham-saham yang menghasilkan deviden
- Reksadana
- Usaha-usaha yang menghasilkan

Buatlah rangkaian rencana sumber pasif income anda. Sesuatu yang anda sukai dan dapat anda

kerjakan sementara anda mengerjakan apa yang anda kerjakan sekarang.
Dan untuk mendapatkan materi tambahan eBook "24 Prinsip Miliarder yang Mencerahkan"
senilai Rp. 250.000,- dan seminar 3 Hari Financial Revolution senilai Rp. 4.933.500,-
oleh Tung Desem Waringin bisa Anda dapatkan di :
http://www.tdwuniversity.com/launch/?id=1156

Jadi sebetulnya menurut Robert T. Kiyosaki, kaya adalah bagaimana menciptakan
passive income lebih besar dari biaya hidup.

Cara membuat passive income:

- Royalti dari hak cipta
- Rumah yang disewakan/ dikostkan
- Saham-saham yang menghasilkan deviden
- Reksadana
- Usaha-usaha yang menghasilkan

Buatlah rangkaian rencana sumber pasif income anda. Sesuatu yang anda sukai dan dapat anda

kerjakan sementara anda mengerjakan apa yang anda kerjakan sekarang.
Dan untuk mendapatkan materi tambahan eBook "24 Prinsip Miliarder yang Mencerahkan"
senilai Rp. 250.000,- oleh Tung Desem Waringin bisa Anda dapatkan di :
http://www.tdwuniversity.com/launch/?id=1156

TRADING PSYCHOLOGY AND INVESTOR BEHAVIOR

1. Know Yourself
If you start sweating when you watch the price swings of a product you have invested in, you either have the wrong trading concept, are in the wrong products, or your positions are too big.
2. Put Your Ego Aside
The biggest losses happen after investors make their first big profits.If you accumulate profits with a proven, tested investment strategy,you can pride yourself on its success.However, if you make profits without an investment strategy, you may lose not only all your prof its but your total investment. Unexpected price moves do not have to mean big losses; they occur because investors work with the wrong trading concept.
3. Hoping and Praying Do Not Guarantee Success
Many traders keep repeating the same mistake: They take small profits and let the losses run. The main reason to work systematically with an investment concept is to get the best average performance.This requires placing a stop-loss with every trading position and calculating the profit target when opening a position. Hoping that losses will become prof its by waiting a “little bit longer” is gambling. It might be appropriate once in a while, but in the long run, it ruins every account.
4. Investors Must Learn to Live with Losses
It is easy to enjoy profits, but everyone hates losses. A market price that drops below the entry price is not the only reason for a loss. If a position with a 100 percent profit is liquidated at the entry price, this is also a big loss in the account, although it may not seem as damaging.
5. Never Double Your Losses
Dollar-cost averaging is one of the best strategies for investors if they execute it systematically as part of a long-term strategy.Almost all huge bankruptcies in trading companies worldwide happened because they doubled up losing positions. Hoping to recover losses through additional leverage never works unless someone is really lucky.
6. Know Your Pain Level
Investors create their biggest problems when they change their investment strategy without sufficient reason. The trouble begins when traders jump from one trading strategy to another to follow the shortterm sentiment, mainly because a product seems to have changed.Each investment strategy has its advantages and disadvantages.
Someone who has expertise in picking stocks should continue to use this approach, despite the risk of big drawdowns. A perfect trading concept does not exist, unless someone has discovered a niche product and keeps quiet. At the same moment that this niche market becomes common knowledge, the profit potential disappears. Each investment strategy has a predetermined pain level that investors can identify. It is important to know this pain level before executing an investment strategy.
7. Diversify the Risk
No matter how promising the future of a product may seem, diversify the risk. Many traders profitably trade the same product every day and are especially successful in intraday trading. But these traders are disciplined and have specific product knowledge that is not available to most people. In general, diversifying the risk with a systematic trading approach will result in a much more stable equity curve than investing in a single product.
8. Making Money by Trading Is Hard Labor
Many people believe that that it is easy to make money by investing in stocks, bonds, stock index futures, or commodities. The opposite is true. Investors who show quick profits through trading either have inside information or are remarkably lucky. Average investors have neither of these advantages.All traders must develop a personal profile of risk preference and find a systematic trading style that fits the profile. Then they have to execute it. Months or years of systematic trading may be necessary before real-time trading results confirm that the trading concept works.
9. Intuition versus Execution of a Tested Trading Concept
All of the information that comes over the tickers, from newsletters, and through the Internet is already old when we receive it. There will always be someone with faster access who can take advantage of that information. Speculating with this “old” information is dangerous. Trading concepts that have been tested and have good historical track records on paper provide valid information only if the advisor is
willing to share how the trading concept works. Real-time trading records are only reliable if market behavior does not change. Many of the successful fund managers in the 1980s did less well in the 1990s because the market patterns were very different. Investors must be highly skilled to identify trading concepts that did not perform well in the past but will perform well in the future.
10. The Importance of a Trading Plan
The secret of success on the exchanges is not to make money fast, but to make it consistently. One of the most difficult accomplishments for traders is to create
a portfolio that builds up equity over the long term, independently of market conditions. To reach this goal, it is essential to work with a reliable investment strategy and to guard against being greedy.
11. Feel Comfortable with Your Trading Strategy
Successful traders begin the morning with a trading concept that they can use comfortably for executing trading signals throughout the day,no matter what the markets are doing.Feel good about your trading strategy as long as the real-time
trading results are in line with the historical test results. If the maximum drawdown gets bigger than the drawdown of the historical test results, reevaluate the trading concept.
12. Nothing Is More Important than Discipline
Discipline is always the most important attribute of successful traders. Many traders fail or have limited success because they cannot control their emotions and execute their established trading strategy in any given market situation.
13. Value of Available Trading Concepts
Many worthwhile trading concepts are available. But none of them will always make money. An effective trading concept does not have to be difficult, but it must be executable. The trader has to believe in it and be willing to trade it even after a string of losses.

Financial Terrorism and You

Can we just drop the pretense and start calling the bank bailout what it is: Financial terrorism.

Terrorism can be defined as achieving one's aims through fear. And it sure seems to me that bankers and their friends in government are extorting money from the taxpayers (you and me) with a threatening "or else" that goes something like this: "Give us the money or the entire financial system will implode."

And as we fork over the extortion money, these corporate gangsters put us on the hook for trillions of dollars MORE.
Obama's bailout of AIG is just one example of Washington robbing you of your hard-earned money under the pretext of 'fixing' the problem.
Obama's bailout of AIG is just one example of Washington robbing you of your hard-earned money under the pretext of "fixing" the problem.

For example, AIG posted the largest quarterly loss in American corporate history — $61.7 billion — for the final three months of last year. That means the company lost more than $27 million every hour. That's $465,000 a minute, or $7,750 a second.

As a result of its losses, AIG has been awarded hundreds of billions of taxpayer dollars. Otherwise, we're told, the company's collapse could devastate the economy.

And that's just ONE of the companies robbing you of your hard-earned money under the pretext of "fixing" the problem.

In fact, one of the ways we know this is financial terrorism is that the steps being taken to "fix" the problem aren't fixing a single thing.

The Roots of the Crisis
Go Back to 1999

Glass-Steagall was passed after the Great Depression, the last time outrageous financial chicanery brought our country to its knees economically. This law placed a barrier between everyday banking, such as lending and deposit-taking, and riskier areas, such as derivatives trading.

But the law was repealed in 1999, thanks to lobbying by the very companies we're bailing out now. And the effort was midwifed by Phil Gramm, a laissez-faire-lovin' Republican senator from Texas who co-authored the Gramm-Leach-Bliley Act that repealed many key provisions of Glass-Steagall.

Gramm quit the Senate to go work for UBS AG, one of the beneficiaries of the repeal. I believe that kind of thing — passing a law to help a future employer — should be illegal. We can only be thankful that Gramm didn't go on to higher office — he was an advisor to McCain's Presidential campaign and probably would have ended up as Treasury Secretary had McCain won.

But this isn't just a Republican problem. Oh, if it were only that simple. You see, there were shady characters on both sides of the political aisle in this terrorism caper.

Instead of Gramm, we got Tim Geithner as Treasury Secretary. He's a protégé of Robert Rubin, former co-CEO of Goldman Sachs and one-time Treasury secretary in the Clinton administration, who went on to work for Citigroup after whole-heartedly supporting the Glass-Steagall repeal. Due to the current financial crisis, Citigroup lost $27.7 billion last year and has needed $45 billion in government funds to stay afloat.

But Wait, It Gets Better!

Clinton had more than one Treasury Secretary. And the last one was Lawrence Summers. At the time Glass-Steagall was repealed, Summers said:

"Today Congress voted to update the rules that have governed financial services since the Great Depression and replace them with a system for the 21st century. This historic legislation will better enable American companies to compete in the new economy.''

Good thing Summers isn't around anymore, eh? After making such a colossal mistake, he wouldn't dare to show his face. Oh wait — would you believe he is now the Director of the White House's National Economic Council?

In other words, one of the persons who got us into this mess is now in charge of fixing it! Isn't that like hiring an arsonist to put out your house fire?

And people wonder why I'm pessimistic.

You may have heard Washington officials say on TV: "No one could have foreseen what would happen."

Except that someone did foresee EXACTLY what was going to happen. When Glass-Steagall was up for discussion, Senator Byron Dorgan (D-North Dakota) made an impassioned speech on the floor of the Senate, asking his colleagues NOT to repeal the regulation. He said:

"I think we will look back in 10 years' time and say we should not have done this but we did because we forgot the lessons of the past, and that which is true in the 1930's is true in 2010. I wasn't around during the 1930's or the debate over Glass-Steagall. But I was here in the early 1980's when it was decided to allow the expansion of savings and loans. We have now decided in the name of modernization to forget the lessons of the past, of safety and of soundness.''

Only eight senators opposed the Gramm-Leach-Bliley repeal of Glass-Steagall:

* Richard Shelby (R-AL)

* Barbara Boxer (D-CA)

* Richard Bryan (D-NV)

* Byron Dorgan (D-ND)

* Russell Feingold (D-WI)

* Tom Harkin (D-IA)

* Barbara Mikulski (D-MD)

* Paul Wellstone (D-MN)

If your senator was around in 1999, and he or she isn't on that list, you can be fairly certain that your senator does the bidding of the Wall Street banksters, not you.

While Wellstone is dead, I find it interesting that none of these other, prescient senators have been tapped by President Obama to fix the crisis. Instead, all roads to high-level White House financial appointments seem to lead through Goldman Sachs.

The Goldman Fix
Is in ...

The original plan to bail out AIG was dreamed up last fall at a meeting run by then-Treasury Secretary Hank Paulson. Paulson had been CEO of Goldman Sachs before becoming Treasury Secretary. Also attending the meeting was Lloyd Blankenfein, the current CEO of Goldman Sachs and Tim Geithner, then head of the New York Fed.
Paulson and Geithner set the stage for Goldman: AIG was not going to fail.
Paulson and Geithner set the stage for Goldman: AIG was not going to fail.

AIG was not allowed to fail — remember Geithner has taken both bankruptcy and nationalization off the table. So AIG's trading counterparties are being paid 100 cents on the dollar.

Much of the $170 billion bailout AIG has received has gone to pay off obligations to Wall Street banks, such as Goldman Sachs. Goldman has maintained that it got no bailout money from the Treasury, apart from the $25 billion it was "forced" to take. But in fact, it received at least $13 billion through AIG!

It's almost as if Goldman knew that the money would be coming.

Along with Goldman, Bank of America, Merrill Lynch, UBS, JPMorgan Chase, Morgan Stanley, Deutsche Bank and Barclays are all recipients of AIG's payments to its former trading partners.

Former New York Attorney General Elliot Spitzer — who knows a thing about financial shenanigans — recently wrote:

"The appearance that this was all an inside job is overwhelming. AIG was nothing more than a conduit for huge capital flows to the same old suspects, with no reason or explanation."

You can read Spitzer's two articles on the AIG fiasco HERE and HERE.

So here's where an administration's spokesperson says on TV: "Well, it's a mess, but we're doing our best to fix it."

Are they? Let's look at the track record (in both the Bush and Obama administrations) ...

* No serious attempt at re-regulation. You'd think the first order of business would be to reinstate Glass-Steagall. The Obama Administration hasn't done that. In fact, while Secretary Geithner recently proposed "sweeping" changes to Federal regulation of the financial system, Glass-Steagall wasn't part of the package.

* Goldman Sachs' unprecedented access to the corridors of power in D.C. continues. Another former Goldman Sachs employee, Gary Gensler, has been nominated to head the Commodity Futures Trading Commission.

* Not even a token attempt at justice. Where are the indictments? Why aren't we seeing Wall Street executives frog-marched to the paddy wagons? And don't tell me about Bernie Madoff — he was a rogue operator who turned himself in, not the head of one of the major Wall Street banks that have ripped us off through systematic pillaging. Indeed, everything I see tells me that our government is a willing co-conspirator with the robber barons.

* The looting continues. In just one example, Citibank and Bank of America are now using the TARP funds they received not to extend more loans as they were supposed to, but to buy up more of the toxic debt they're supposed to be getting rid of! Why? Because they know that, under Geithner's plan, they will be able to sell the toxic debt at a substantial profit as the government props up the market for those troubled assets. These banksters are speculating with the same taxpayer money that was supposed to pull them back from the abyss.

* The threats continue. In the Bush administration, Treasury Secretary Paulson was able to get his original bailout package passed by Congress in a very simple manner. According to Representative Paul Kanjorski, the Capital Markets Subcommittee Chair, Paulson told them, with a great sense of urgency, that there was an electronic run on the banks. And if Congress didn't go along with Paulson's rescue plan, Kanjorski recalled being told, "It would have been the end of our economic system and our political system as we know it."

Well, it's déjà vu all over again. Geithner recently told the House Committee on Financial Services: "The U.S. Government does not have the legal means today to manage the orderly restructuring of a large, complex, non-bank financial institution that poses a threat to the stability of our financial system."

Geithner could be sincere, in which case, we are in a very dire situation indeed. I'm just not sure he's the right man to reform the system, because I can't tell whose side he's on.

After all, last week, the Obama administration urged the U.S. Supreme Court to stop New York and other states from enforcing their fair-lending and other consumer-protection laws against federally chartered banks, including JPMorgan Chase and Wells Fargo & Co. This is the same position that the Bush administration had and a slap in the face for consumer and civil-rights groups.

Our government is going to have to choose whose side it is on. It's a choice that — if not correct — could bring this country to the brink of anarchy.

Could We Go the Way of Argentina?

Desmond Lachman — former chief strategist for emerging markets at Salomon Smith Barney and a long-time official with the IMF — recently wrote in The Washington Post that comparing the economic crisis in the U.S. to Japan's "lost decade" was wrong. Instead, he said a better comparison is to Argentina, Russia, Thailand, and other countries that collapsed both economically and politically, weighed down by their own corruption.

He wrote:

"Watching Goldman Sachs's seeming lock on high-level U.S. Treasury jobs as well as the way that Republicans and Democrats alike tiptoed around reforming Freddie Mac and Fannie Mae — among the largest campaign contributors to Congress — made me wonder if the differences between the United States and the Asian economies were only a matter of degree."

From what we've seen so far, the only response to the catastrophic collapse of major American financial institutions is to try and reinflate the balloon with our tax dollars. There is no serious attempt at reform. And without that, there can be no real recovery. And Lachman's words could come back to haunt us.
Physical gold can be a good investment for economic hard times. But it isn't the only investment you might consider.
Physical gold can be a good investment for economic hard times. But it isn't the only investment you might consider.

What to Consider Investing in When Your
Government Is in Danger of Collapsing ...

Physical gold and silver are good investments for economic hard times. But they aren't the only investments you might consider. Cash is king, at least in the short run. And I've spoken to people from Argentina who said what saved them during their country's collapse was getting their money out of the country — in other words, investing abroad.

The trouble is, this time around, the entire world seems to be going down together.

Land is also a good investment, at least if you think the markets are approaching a bottom. My crystal ball is cloudy on that one.

As for the market, I think certain commodities, especially precious-metals related issues, still have a lot of promise. And if the markets tank, you can always play that move with inverse ETFs.

I think the best lesson is to be diversified. Spread your assets out. You can hope for a speedy recovery, but be prepared for a long-term downturn. When the government isn't seriously addressing the problems we face, that's probably the best you can do.

10 Workplace Motivation Commandments That All Leaders MUST Follow

10 Workplace Motivation Commandments That All Leaders MUST Follow

Unmotivated employees have rightly been called "the black holes of the business universe." Fortunately, motivation is not something a person is born with or without. Applying these Ten Commandments can go a long way to helping existing employees find their motivation.

1. Commit with all thy heart so others might follow

Before you ask your employees to commit, you must be fully committed yourself as a manager and leader of your organization. Throw your heart over the bar, make that complete commitment, and others will follow.

2. Declare a zero-tolerance policy for dysfunctional behaviors

These behaviors include people saying one thing and meaning another, giving lip service, gossiping and backstabbing. Enlist a company-wide commitment to stop every one of these workplace dysfunctions that lead to conflicts and lower employee productivity.

3. Show that you care, in every way

Show your team members that you care, not just about their productivity, but also about them. A kind word or a "good job," a pat on the back or a question about someone's health can go a long way toward motivating your employees.

4. Celebrate every victory

Recognition of achievements is high on the list of employee motivators. Every Big Project consists of scores of little victories along the way. Celebration builds confidence, and confident people are open to feedback. This means your employees will be more willing to grow with your company.

5. Clean up thy messes

As a manager and leader, you WILL inevitably make mistakes. It is critical to clean up your messes as you make them. Acknowledge the mistake then make a commitment to make things right and prevent a recurrence.

6. Use powerful and positive language

Say what you mean and communicate your position in a clear and powerful and positive manner. Your ability to motivate employees will be INCREDIBLE when people know what is expected of them and why.

7. Be unreasonable with thyself

Being "reasonable" doesn't bring out the best of who you are. Show that you are willing to forego the excuses and happily do what needs doing, regardless of how "unreasonable" it seems. Your employees will then rise to the unreasonable themselves.

8. Reprogram thy limiting beliefs

We all come equipped with self-doubting mechanisms. Begin living "as if" you are smart enough, good enough, and up to the challenge, and guess what - suddenly you will be. Once those limiting beliefs fall away, your actual competence increases, which further reduces self-doubt... and places you in a happy feedback loop of motivation.

9. Choose joy

When you develop a habit of interpreting things as good instead of bad, it actually alters the neural pathways in your brain. Your brain will find it easier to interpret things as good. You've rewired your brain for happiness—and happy people are MUCH more likely to be motivated and engaged than unhappy ones.

10. Give, Give, GIVE

Life gives to the givers and takes from the takers, and life has a perfect accounting system. If you want your employees to shower your company with success, it's time for you to dig in and give like crazy to your employees.

Give them your committed heart. Give them a functional environment. Give them care, celebration, integrity, clarity, and a vision of the impossible made possible. Give them a model of life without limiting beliefs. Most of all, show them the way by choosing joy.

Do these things and you will motivate your employees and end up in the Promised Land together.

Pustaka Pohon Bodhi: Mengenai Krisis Ekonomi 2009

Pustaka Pohon Bodhi: Mengenai Krisis Ekonomi 2009

How To Tell When The Economy's Getting Better

The stimulus package is finally finished. President Obama is promising a tough new bank-rescue plan to boost lending and limit outrageous pay. Troubled homeowners may even get some relief. All told, the government could spend more than $3 trillion to help end the recession.

So now all we have to do is sit back and watch the economy grow like a beanstalk, right?

If only. One risk of the unprecedented government intervention is that it won't do all that much to hasten the end of the recession. Another risk is that consumers, expecting a magic-bullet fix, could fail to prepare for tough times that still lie ahead. "This is going to be a difficult year," Obama himself said at his first press conference. "If we get things right, then starting next year we can start seeing some significant improvement."

Next year? Afraid so. Most economists agree that it will take that long, at least, before the biggest problems - mounting layoffs, the housing bust, the banking crisis, and plunging confidence - start to turn around. Here's what to watch for to tell whether the stimulus package is actually working, and when the economy might start to mend.

An improvement in the unemployment rate. Of all the economic indicators, this is probably the single most important. But you might want to avert your eyes for awhile.

Obama has talked about creating 3 to 4 million new jobs, and if the stimulus plan works, it might come close to that - over several years, combined. But it's almost certain that through this summer and into the fall, there will be a net job loss, not a gain. Most economists expect the unemployment rate, now 7.6 percent, to hit at least 9 percent by the end of this year. That represents up to 2 million more lost jobs. Many of those cuts are already in the works - just follow the recent layoff announcements from companies like Caterpillar (20,000), Boeing (10,000), SprintNextel (8,000) and Home Depot (7,000). But the pink slips haven't all gone out yet, so the layoffs haven't shows up in the official numbers.


The first sign of an improvement will be...corporate silence. As in no more draconian job-cut announcements. Once that happens (or doesn't), the unemployment rate will plateau. Then, companies might start hiring again, and a couple of months after that, the unemployment rate will start to fall. Three straight monthly declines would be a good sign that the economy is really on the rebound. That probably won't happen until 2010.

If you're wondering what's the point of the stimulus package if it won't do much to help workers in 2009, look to 2010. And 2011. That's where the plan will make a bigger difference. Moody's Economy.com estimates that by the middle of 2010, the unemployment rate will start to drift back toward 8.5 percent. But without any stimulus plan, it would have hit 11 percent. Viva la government.

More stable home prices. The realestate boom and bust is what torpedoed the economy in the first place, and the economy won't start to recover until the housing bubble fully deflates. The good news is that housing prices have already been falling for more than two years, with prices down more than 20 percent nationwide. And we might be more than halfway toward the bottom: Moody's Economy.com predicts that housing prices should stop falling nationwide by the second half of 2009. Overall, the forecasting firm predicts a 30 percent drop in home values from the peak values of 2006.


Others think it will take longer, but whenever it happens, an end to the housing slide will mark an important turning point. Hardly anybody thinks that prices will shoot back up or there will be another buying binge. But a boomlet, maybe. Once prices stabilize, buyers will stop worrying that they could be purchasing a costly asset that's falling in value. As they buy, other kinds of consumer activity - like shopping for furniture and kitchen upgrades - will follow. Slowly.

A consumer confidence rebound. Since consumer confidence closely tracks the job market, the dismal numbers of the last few months probably won't improve by much until late in 2009, or 2010. Homeowners have lost more than $3 trillion worth of value in their homes over the last three years, and investors have seen their stock portfolios shredded. So even people who feel secure in their jobs are dour.


A turnaround in the housing or stock markets would break the gloom and help some people feel better off. So would easier lending by banks, which would help solvent consumers buy a few more cars, appliances, and other goods. But consumer confidence won't really start to improve until workers start to feel more secure about their jobs and income. Think 2010.

A less volatile stock market. Every investor hopes that beleaguered stocks will come roaring back in 2009 and regain some of the ground lost since the peak in 2007 - when the S&P 500 stock index was nearly 50 percent higher than it is today. But a better indicator of economic health would be a steady recovery - without the manic swings that seem to come from every hint of undisclosed trouble at some big bank or rumor of new government intervention.

The stock market is harder to predict than most other parts of the economy, since it's deeply dependent on psychology and other intangibles. The market could bounce back by mid-summer. Or it could remain stagnant for years, like it did for most of the 1970s. The experts can't be any more sure than you or I.

One hopeful sign would be less market sensitivity to events in Washington. The biggest market mover these days is the federal government, since fortunes stand to be won or lost - mostly lost - depending on how deeply the government intervenes in the activities of megabanks like Citigroup and Bank of America, and how much federal spending will be available to stand in for plunging consumer spending. The markets will be back to their old selves when earnings reports, IPO announcements, and M&A deals are what send stocks up or down, and utterings from Washington amount to little more than an echo. Since the government seems to be the only institution spending money so far in 2009, it could be awhile before Wall Street returns to form.

Economic growth turns positive. By economic standards, the current downturn has already lasted longer than the typical post-World War II recession. Yet there's still a lot more pain to endure. A recent survey of economists by the Wall Street Journal found that the majority think the economy will continue to contract for the first half of 2009, with growth turning positive in the second half of the year. That outlook is much worse than a few months ago, and even when growth turns positive the economy could sputter along without many new jobs or bold moves in the private sector.

It's always possible that impatient consumers will get sick of holding back, and start running up their credit card balances once again (if the banks let them). The bank-rescue plan might spur more lending than expected, goosing businesses and consumers alike. Or the stimulus plan might spread goodwill and optimism throughout the land. If you get the urge to spend, that might be the strongest indicator of all. Call the economists.

Mark Zuckerberg, Founder, CEO & President of Facebook

Mark Zuckerberg, (born May 14, 1984) is an American computer programmer and entrepreneur. As a Harvard student, he created the online social website Facebook, a site popular among American college students, with fellow computer science major students and his roommates Dustin Moskovitz and Chris Hughes. He serves as Facebook's CEO. He has been the subject of controversy for the origins of his business and his wealth.

Time Magazine added Zuckerberg as one of The World's Most Influential People of 2008. Zuckerberg fell under the Scientists & Thinkers category for his web phenomenon, Facebook, and ranked 52 out of 101 people. The list consisted of international revolutionaries that honors people from Barack Obama and Dalai Lama to Michael Phelps and Brangelina.

Mark Zuckerberg was born in White Plains, NY, and raised in Dobbs Ferry, New York, by his parents, Edward and Karen Zuckerberg, who are both doctors. His father Edward is a dentist in Dobbs Ferry, New York. Early on, Zuckerberg enjoyed making computer programs, especially communication tools and games. He started programming when he was in middle school. While attending Phillips Exeter Academy in high school, he built a program to help the workers in his dad's office communicate and a version of the game Risk. He also built a music player named Synapse that used artificial intelligence to learn the user's listening habits. Microsoft and AOL tried to purchase Synapse and recruit Zuckerberg, but instead he decided to attend Harvard University.

Mark Zuckerberg launched Facebook from his Harvard dorm room on February 4, 2004. It quickly became a success at Harvard and more than two-thirds of the school's students signed up in the first two weeks. Zuckerberg then decided to spread Facebook to other schools and enlisted the help of roommate Dustin Moskovitz. They first spread it to Northwestern, UCLA, Harvard, the University of Virginia (UVA) and Yale and then to other Ivy League colleges and schools in the Boston area, including Tufts University, Boston University and Boston College. By the beginning of the summer, Zuckerberg and Moskovitz had released Facebook at almost forty-five schools and hundreds of thousands of people were using it.

Zuckerberg moved to Palo Alto, California, with Moskovitz and some friends during the summer of 2004. According to Zuckerberg, the group planned to return to Harvard in the fall but eventually decided to remain in California. To date, he has not returned as a student to the college. They leased a small house which served as their first office. Over the summer, Zuckerberg met Peter Thiel who invested in the company. They got their first office on University Avenue in downtown Palo Alto a few months later. Today, the company has seven buildings and several hundred people in downtown Palo Alto, forming what Zuckerberg calls an "urban campus".

Zuckerberg's Harvard classmates, Divya Narendra, Cameron Winklevoss, and Tyler Winklevoss, claim he stole their idea for their own site, ConnectU. A lawsuit was filed in 2004 and has been dismissed without prejudice on March 28, 2007, but was never ruled on. It was refiled soon thereafter in U.S. District Court in Boston, and a preliminary hearing was scheduled for July 25, 2007. At the hearing the judge told ConnectU parts of their complaint were not sufficiently pled and gave them the ability to refile an amended complaint. On June 25, 2008, the case was settled and Facebook agreed to pay an undisclosed amount of cash and stock.

As part of the lawsuit, in November 2007, confidential court documents were posted on the website of Harvard alumni magazine 02138. They included Zuckerberg's social security number, his parents' home address and his girlfriend's address. Facebook filed to get the documents taken down, but the judge ruled in favor of 02138.

Forbes Top400 ranked Mark as #321 richest person in the world with $1.5 billion networth. He is also the youngest person to ever appear on the Forbes list.

On October 24, 2007, Facebook Inc. sold a 1.6% stake to Microsoft Corp. for $240 million, spurning a competing offer from online search leader Google Inc. This would indicate that Facebook had a market value of $15 billion at the time of the sale. However, most analysts believe the actual valuation of to be far less. The $240 million dollars paid by Microsoft includes premiums for both preferred shares and global ad placements.

SIGNS A BEAR MARKET IS ENDING

1. Bad news abundant. The stock market always seems to start up before the bad news (about lower industrial production, unemployment, lack of consumer confidence, etc.) stops. At that point, the market will be acting ‘‘contrary to the obvious,’’ which is usually a good sign that the market is right in whatever it does.
2. Credit. Still tight. But credit balances in brokerage accounts usually are
considerable. Large holdings in bonds and other cash-related investments. This latent buying power is what will give a new bull market its stamina.
3. Stock Market. Volume low, not much interest. Stocks selling at low price earnings ratios, high yields. But then new lows in the DJIA and S&P occur on even lower volumes. Some key stocks begin to show good rally potential. Volume tends to increase on rallies, decrease on dips. Charts are the way to spot this.
4. Confidence. Nil. Pessimistic forecasts made for the market and for business.
5. Real Estate. Unless it has been an inflationary bear market, real estate prices will be down. It is hard to sell property. Lots of empty commercial buildings. Rents reduced. Foreclosures rise.
6. Bonds. Government bond buying is popular. Corporate bonds are high, yields low.

SIGNS A BULL MARKET IS ENDING

1. The most important indicator that a downturn still has a long way to go is when investor sentiment is still bullish while the underlying economic structure continues to weaken.
2. Price earnings ratios. In recent years, even rational analysts have puzzled over why they no longer seem to ‘‘work.’’ This is all part of the separation of stocks from the values of the companies they represent. In his book Irrational Exuberance, Yale professor Robert Shiller points out that, since 1870, price earnings ratios for big companies have averaged just under 13 for a yield of 7.75%. In late 2001, that ratio was between 25 and 35, for a yield of about 2–4%,depending which biased source you read. To return to a more traditional price earnings ratio, the DJIA would have to fall to at least 5000. I will discuss that in more detail in a later chapter, but suffice it to say here that it suggests that this bear market has further to fall.
3. The Federal Reserve. Fed action has been the most closely watched indicator in the last 5 years. But, with the most aggressive rate reductions in history, driving US interest rates down to a level not seen since the 1960s and with no result, it is increasingly clear that when the US economy goes south, there is little government can do to stop it.
4. Consumer and Investor Confidence. There is always an abundance of confidence in the future of business and the market, at peaks. Even after markets turn down, as long as that confidence remains high the bear market has further to go. Markets traditionally turn around on low volume in the middle of widespread gloom about the future. Those who buy at the very beginning of major bull markets or sell at the
beginning of bear markets are regarded as equally unhinged, as I was regarded in the Spring of 2000 when I suggested, in my newsletter, the Nasdaq was a sell.
5. Gold. In times of uncertainty, the interest in gold and gold shares picks up.
6. Real Estate. It is normal for real estate prices to rise with stock market prices. There is usually a lot of public speculation in real estate at bull market tops. Whether real estate turns down in a bear market depends on how much inflation there is. In inflationary bear markets, real estate is seen as a haven and prices rise. In bear markets where inflation is low and the currency firm, real estate prices will usually stay firm in the early stages, but will decline as the bear market deepens.
7. Stock market action. At tops, there is what is commonly classified as ‘‘churning’’ (i.e., high volume but not much change in prices, or great irregularity in prices [some up sharply, some down sharply], plus a lot of volatility day to day).
8. Unanimity of bullish forecasts. Business leaders, brokers, advisory services, columnists and broadcasters are, in the main, bullish. Any downturn is dismissed as temporary.
9. Sharp rise in debt. At the top of a bull market, the pervasive mood is that one can make a profit in markets,without risk. Consumer debt,household debt service payments, losses by credit card issuers, bankruptcy filings and mortgage elinquencies all rise sharply.

The Education of Warren Buffet

Buffett’s dedication to Ben Graham, Phil Fisher, John Burr Williams, and Charlie Munger is understandable. Graham gave Buffett the intellectual basis for investing, the margin of safety, and helped Buffett learn how to master his emotions to take advantage of market f luctuations. Fisher gave Buffett an updated, workable methodology that enabled him to identify good long-term investments and manage a portfolio over the long term, and taught the value of focusing on just a few good companies. Williams gave him a mathematical model for calculating true value. Munger helped Buffett appreciate the economic returns that come from buying and owning great businesses. The frequent confusion surrounding Buffett’s investment actions is easily understood when we acknowledge that Buffett is the synthesis of all four men.
“It is not enough to have good intelligence,” Descartes wrote; “the principal thing is to apply it well.” It is the application that separates Buffett from other investment managers. Many of his peers are highly intelligent, disciplined, and dedicated. Buffett stands above them all because of his formidable ability to integrate the strategies of the four wise men into a single cohesive approach.

Think Like Warren Buffett

Back in 1999, Robert G. Hagstrom wrote a book about the legendary investor Warren Buffett, entitled "The Warren Buffett Portfolio". What's so great about the book, and what makes it different from the countless other books and articles written about the "Oracle of Omaha" is that it offers the reader valuable insight into how Buffett actually thinks about investments. In other words, the book delves into the psychological mindset that has made Buffett so fabulously wealthy.

Although investors could benefit from reading the entire book, we've selected a bite-sized sampling of the tips and suggestions regarding the investor mindset and ways that an investor can improve their stock selection that will help you get inside Buffett's head.

1. Think of Stocks as a Business
Many investors think of stocks and the stock market in general as nothing more than little pieces of paper being traded back and forth among investors, which might help prevent investors from becoming too emotional over a given position but it doesn't necessarily allow them to make the best possible investment decisions.

That's why Buffett has stated he believes stockholders should think of themselves as "part owners" of the business in which they are investing. By thinking that way, both Hagstrom and Buffett argue that investors will tend to avoid making off-the-cuff investment decisions, and become more focused on the longer term. Furthermore, longer-term "owners" also tend to analyze situations in greater detail and then put a great eal of thought into buy and sell decisions. Hagstrom says this increased thought and analysis tends to lead to improved investment returns. (To read more about Buffett's ideologies, check out Warren Buffett: How He Does It and What Is Warren Buffett's Investing Style?)

2. Increase the Size of Your Investment
While it rarely - if ever - makes sense for investors to "put all of their eggs in one basket," putting all your eggs in too many baskets may not be a good thing either. Buffett contends that over-diversification can hamper returns as much as a lack of diversification. That's why he doesn't invest in mutual funds. It's also why he prefers to make significant investments in just a handful of companies. (To learn more about diversification, read Introduction To Diversification, The Importance Of Diversification and The Dangers Of Over-Diversification.)

Buffett is a firm believer that an investor must first do his or her homework before investing in any security. But after that due diligence process is completed, an investor should feel comfortable enough to dedicate a sizable portion of assets to that stock. They should also feel comfortable in winnowing down their overall investment portfolio to a handful of good companies with excellent growth prospects.

Buffett's stance on taking time to properly allocate your funds is furthered with his comment that it's not just about the best company, but how you feel about the company. If the best business you own presents the least financial risk and has the most favorable long-term prospects, why would you put money into your 20th favorite business rather than add money to the top choices?

3. Reduce Portfolio Turnover
Rapidly trading in and out of stocks can potentially make an individual a lot of money, but according to Buffett this trader is actually hampering his or her investment returns. That's because portfolio turnover increases the amount of taxes that must be paid on capital gains and boosts the total amount of commission dollars that must be paid in a given year.

The "Oracle" contends that what makes sense in business also makes sense in stocks: An investor should ordinarily hold a small piece of an outstanding business with the same tenacity that an owner would exhibit if he owned all of that business.

Investors must think long term. By having that mindset, they can avoid paying huge commission fees and lofty short-term capital gains taxes. They'll also be more apt to ride out any short-term fluctuations in the business, and to ultimately reap the rewards of increased earnings and/or dividends over time.

4. Develop Alternative Benchmarks
While stock prices may be the ultimate barometer of the success or failure of a given investment choice, Buffett does not focus on this metric. Instead, he analyzes and pores over the underlying economics of a given business or group of businesses. If a company is doing what it takes to grow itself on a profitable basis, then the share price will ultimately take care of itself.

Successful investors must look at the companies they own and study their true earnings potential. If the fundamentals are solid and the company is enhancing shareholder value by generating consistent bottom-line growth, the share price, in the long term, should reflect that. (To learn how to judge fundamentals on your own, see What Are Fundamentals?)

5. Learn to Think in Probabilities
Bridge is a card game in which the most successful players are able to judge mathematical probabilities to beat their opponents. Perhaps not surprisingly, Buffett loves and actively plays the game, and he takes the strategies beyond the game into the investing world.

Buffett suggests that investors focus on the economics of the companies they own (in other words the underlying businesses), and then try to weigh the probability that certain events will or will not transpire, much like a Bridge player checking the probabilities of his opponents' hands. He adds that by focusing on the economic aspect of the equation and not the stock price, an investor will be more accurate in his or her ability to judge probability.

Thinking in probabilities has its advantages. For example, an investor that ponders the probability that a company will report a certain rate of earnings growth over a period of five or 10 years is much more apt to ride out short-term fluctuations in the share price. By extension, this means that his investment returns are likely to be superior and that he will also realize fewer transaction and/or capital gains costs.

6. Recognize the Psychological Aspects of Investing
Very simply, this means that individuals must understand that there is a psychological mindset that the successful investor tends to have. More specifically, the successful investor will focus on probabilities and economic issues and let decisions be ruled by rational, as opposed to emotional, thinking.

More than anything, investors' own emotions can be their worst enemy. Buffett contends that the key to overcoming emotions is being able to "retain your belief in the real fundamentals of the business and to not get too concerned about the stock market."

Investors should realize that there is a certain psychological mindset that they should have if they want to be successful and try to implement that mindset. (To learn more about investor behaviors, read Understanding Investor Behavior, When Fear And Greed Take Over and Master Your Trading Mindtraps.)

7. Ignore Market Forecasts
There is an old saying that the Dow "climbs a wall of worry". In other words, in spite of the negativity in the marketplace, and those who perpetually contend that a recession is "just around the corner", the markets have fared quite well over time. Therefore, doomsayers should be ignored.

On the other side of the coin, there are just as many eternal optimists who argue that the stock market is headed perpetually higher. These should be ignored as well.

In all this confusion, Buffett suggests that investors should focus their efforts of isolating and investing in shares that are not currently being accurately valued by the market. The logic here is that as the stock market begins to realize the company's intrinsic value (through higher prices and greater demand), the investor will stand to make a lot of money.


8. Wait for the Fat Pitch
Hagstrom's book uses the model of legendary baseball player Ted Williams as an example of a wise investor. Williams would wait for a specific pitch (in an area of the plate where he knew he had a high probability of making contact with the ball) before swinging. It is said that this discipline enabled Williams to have a higher lifetime batting average than the average player.

Buffett, in the same way, suggests that all investors act as if they owned a lifetime decision card with only 20 investment choice punches in it. The logic is that this should prevent them from making mediocre investment choices and hopefully, by extension, enhance the overall returns of their respective portfolios.

Bottom Line
"The Warren Buffett Portfolio" is a timeless book that offers valuable insight into the psychological mindset of the legendary investor Warren Buffett. Of course, if learning how to invest like Warren Buffett were as easy as reading a book, everyone would be rich! But if you take that time and effort to implement some of Buffett's proven strategies, you could be on your way to better stock selection and greater returns.

Warren Buffett: How He Does I

Did you know that a $10,000 investment in Berkshire Hathaway in 1965, the year Warren Buffett took control of it, would grow to be worth nearly $30 million by 2005? By comparison, $10,000 in the S&P 500 would have grown to only about $500,000. Whether you like him or not, Buffett's investment strategy is arguably the most successful ever. With a sustained compound return this high for this long, it's no wonder Buffett's legend has swelled to mythical proportions. But how the heck did he do it? In this article, we'll introduce you to some of the most important tenets of Buffett's investment philosophy.

Buffett's Philosophy
Warren Buffett descends from the Benjamin Graham school of value investing. Value investors look for securities with prices that are unjustifiably low based on their intrinsic worth. When discussing stocks, determining intrinsic value can be a bit tricky as there is no universally accepted way to obtain this figure. Most often intrinsic worth is estimated by analyzing a company's fundamentals. Like bargain hunters, value investors seek products that are beneficial and of high quality but underpriced. In other words, the value investor searches for stocks that he or she believes are undervalued by the market. Like the bargain hunter, the value investor tries to find those items that are valuable but not recognized as such by the majority of other buyers.

Warren Buffett takes this value investing approach to another level. Many value investors aren't supporters of the efficient market hypothesis, but they do trust that the market will eventually start to favor those quality stocks that were, for a time, undervalued. Buffett, however, doesn't think in these terms. He isn't concerned with the supply and demand intricacies of the stock market. In fact, he's not really concerned with the activities of the stock market at all. This is the implication this paraphrase of his famous quote : "In the short term the market is a popularity contest; in the long term it is a weighing machine."(see What Is Warren Buffett's Investing Style?)

He chooses stocks solely on the basis of their overall potential as a company - he looks at each as a whole. Holding these stocks as a long-term play, Buffett seeks not capital gain but ownership in quality companies extremely capable of generating earnings. When Buffett invests in a company, he isn't concerned with whether the market will eventually recognize its worth; he is concerned with how well that company can make money as a business.

Buffett's Methodology
Here we look at how Buffett finds low-priced value by asking himself some questions when he evaluates the relationship between a stock's level of excellence and its price. Keep in mind that these are not the only things he analyzes but rather a brief summary of what Buffett looks for:

1. Has the company consistently performed well?
Sometimes return on equity (ROE) is referred to as "stockholder's return on investment". It reveals the rate at which shareholders are earning income on their shares. Buffett always looks at ROE to see whether or not a company has consistently performed well in comparison to other companies in the same industry. ROE is calculated as follows:

= Net Income / Shareholder's Equity

Looking at the ROE in just the last year isn't enough. The investor should view the ROE from the past five to 10 years to get a good idea of historical performance.

2. Has the company avoided excess debt?
The debt/equity ratio is another key characteristic Buffett considers carefully. Buffett prefers to see a small amount of debt so that earnings growth is being generated from shareholders' equity as opposed to borrowed money. The debt/equity ratio is calculated as follows:

= Total Liabilities / Shareholders' Equity

This ratio shows the proportion of equity and debt the company is using to finance its assets, and the higher the ratio, the more debt - rather than equity - is financing the company. A high level of debt compared to equity can result in volatile earnings and large interest expenses. For a more stringent test, investors sometimes use only long-term debt instead of total liabilities in the calculation above.

3. Are profit margins high? Are they increasing?
The profitability of a company depends not only on having a good profit margin but also on consistently increasing this profit margin. This margin is calculated by dividing net income by net sales. To get a good indication of historical profit margins, investors should look back at least five years. A high profit margin indicates the company is executing its business well, but increasing margins means management has been extremely efficient and successful at controlling expenses.


4. How long has the company been public?
Buffett typically considers only companies that have been around for at least 10 years. As a result, most of the technology companies that have had their initial public offerings (IPOs) in the past decade wouldn't get on Buffett's radar (not to mention the fact that Buffett will invest only in a business that he fully understands, and he admittedly does not understand what a lot of today's technology companies actually do). It makes sense that one of Buffet's criteria is longevity: value investing means looking at companies that have stood the test of time but are currently undervalued.

Never underestimate the value of historical performance, which demonstrates the company's ability (or inability) to increase shareholder value. Do keep in mind, however, that the past performance of a stock does not guarantee future performance - the job of the value investor is to determine how well the company can perform as well as it did in the past. Determining this is inherently tricky, but evidently Buffett is very good at it.

5. Do the company's products rely on a commodity?
Initially you might think of this question as a radical approach to narrowing down a company. Buffett, however, sees this question as an important one. He tends to shy away (but not always) from companies whose products are indistinguishable from those of competitors, and those that rely solely on a commodity such as oil and gas. If the company does not offer anything different than another firm within the same industry, Buffett sees little that sets the company apart. Any characteristic that is hard to replicate is what Buffett calls a company's economic moat, or competitive advantage. The wider the moat, the tougher it is for a competitor to gain market share.

6. Is the stock selling at a 25% discount to its real value?
This is the kicker. Finding companies that meet the other five criteria is one thing, but determining whether they are undervalued is the most difficult part of value investing, and Buffett's most important skill. To check this, an investor must determine the intrinsic value of a company by analyzing a number of business fundamentals, including earnings, revenues and assets. And a company's intrinsic value is usually higher (and more complicated) than its liquidation value - what a company would be worth if it were broken up and sold today. The liquidation value doesn't include intangibles such as the value of a brand name, which is not directly stated on the financial statements.

Once Buffett determines the intrinsic value of the company as a whole, he compares it to its current market capitalization - the current total worth (price). If his measurement of intrinsic value is at least 25% higher than the company's market capitalization, Buffett sees the company as one that has value. Sounds easy, doesn't it? Well, Buffett's success, however, depends on his unmatched skill in accurately determining this intrinsic value. While we can outline some of his criteria, we have no way of knowing exactly how he gained such precise mastery of calculating value. (To learn more about the value investing strategy of selecting stocks, check out our Guide To Stock-Picking Strategies.)

Conclusion
As you have probably noticed, Buffett's investing style, like the shopping style of a bargain hunter, reflects a practical, down-to-earth attitude. Buffett maintains this attitude in other areas of his life: he doesn't live in a huge house, he doesn't collect cars and he doesn't take a limousine to work. The value-investing style is not without its critics, but whether you support Buffett or not, the proof is in the pudding. As of 2004, he holds the title of the second-richest man in the world, with a net worth of more $40 billion (Forbes 2004). Do note that the most difficult thing for any value investor, including Buffett, is in accurately determining a company's intrinsic value.

3 Popular Strategies For Stock combine with Options

Covered Call

What Does Covered Call Mean?
An options strategy whereby an investor holds a long position in an asset and writes (sells) call options on that same asset in an attempt to generate increased income from the asset. This is often employed when an investor has a short-term neutral view on the asset and for this reason hold the asset long and simultaneously have a short position via the option to generate income from the option premium.

This is also known as a "buy-write".
Investopedia explains Covered Call...
For example, let's say that you own shares of the TSJ Sports Conglomerate and like its long-term prospects as well as its share price but feel in the shorter term the stock will likely trade relatively flat, perhaps within a few dollars of its current price of, say, $25. If you sell a call option on TSJ for $26, you earn the premium from the option sale but cap your upside. One of three scenarios is going to play out:

a) TSJ shares trade flat (below the $26 strike price) - the option will expire worthless and you keep the premium from the option. In this case, by using the buy-write strategy you have successfully outperformed the stock.

b) TSJ shares fall - the option expires worthless, you keep the premium, and again you outperform the stock.

c) TSJ shares rise above $26 - the option is exercised, and your upside is capped at $26, plus the option premium. In this case, if the stock price goes higher than $26, plus the premium, your buy-write strategy has underperformed the TSJ shares.


Synthetic Call

What Does Synthetic Call Mean?
An investment strategy that mimics the payoff of a call option. A synthetic call is created by purchasing the underlying asset, selling a bond and purchasing a put option. The strike price on the put option is equal to the face value of the bond, which serves as the exercise price of the synthetic call.

Investopedia explains Synthetic Call...
A synthetic call produces the same overall payoff as a call option. The synthetic call will finish in the money when the price of the underlying asset is greater than the face value of the sold bond at the time of expiration. It will be out-of-the-money when the value of the bond is greater than that of the underlying asset. When the synthetic call is in the money, the profit is the difference between the price of the underlying asset and the face value of the bond. If the call finishes out of the money, the put option absorbs the loss from the underlying asset, with the exercise price of the put paying for the bond.

Collar

What Does Collar Mean?
1. A protective options strategy that is implemented after a long position in a stock has experienced substantial gains. It is created by purchasing an out of the money put option while simultaneously writing an out of the money call option.

Also known as "hedge wrapper".

2. A general restriction on market activities.

Investopedia Says Icon

1. The purchase of an out-of-the money put option is what protects the underlying shares from a large downward move and locks in the profit. The price paid to buy the puts is lowered by amount of premium that is collect by selling the out of the money call. The ultimate goal of this position is that the underlying stock continues to rise until the written strike is reached.

2. An example is a circuit breaker which is meant to prevent extreme losses (or gains) once an index reaches a certain level.

Collars can protect you against massive losses, but they also prevent massive gains.