Copyrights @ Journal 2014 - Designed By Templateism - SEO Plugin by MyBloggerLab

Wednesday, October 18, 2017

Book Review: The Logic of Political Survival

"The Logic of Political Survival" by Bruce Bueno de Mesquita.


Selectorate theory suggested that leader impacted by 3 group of people:
1.Nominal Selectorate - person who has the equal say in choosing a leader.
(In Malaysia , referring to registered voter)
2.Real Selectorate - the influential that are really the one that choose the leader
(In Malaysia, referring to ruling party's delegate and component parties' leader)
3.Winning Coalition - are those whose supports have translates into victory
(In Malaysia , may refer to political party's division head, small group of party veteran and business magnate ** I prefer to use "magnate" rather than "oligarch" in order to remains neutral stand )
To remain in power, leaders must satisfy the winning coalition.
FIVE Rules to stay in power:
1.The smaller the winning coalition; the fewer people that need to be satisfied in order to remain in control.
2. With a large nominal selectorate; it will give a pool of potential people to replace the persons who are not in line with current leader in the winning coalition.
3. Maintain control of revenue flows to redistribute to leader's supporter.
4. Only give them enough that they will not consider overthrowing the leader but at the same time little enough so that their life depends on the leader.
5.Never ever ever take supporters' money and redistribute it to the masses.

Tuesday, October 10, 2017

如何制定财富目标?



有人问我以上的问题。我觉得每个人都有自己的理想生活方式,钱多钱少不是衡量一个人成功的唯一方法。但是我们生活总离不开钱,那么我们需要多少钱作为财富目标呢?

我把财富目标分成3个阶段:

< 阶段1:还请贷款 >

穷家小孩没有其他选择,我们一踏入社会就必须向他人借贷,所以我们的第一个财富目标就是还清所有贷款,回馈帮助过我们的恩人。

- 还清自住房子贷款
- 还请车贷款
- 还清其他贷款,包括信用卡,个人贷款
- 为每位家人买足够的保险
- 存放应急准备金20万

第一阶段不容易完成,一般人需要8-15年才能达到。有钱人家的孩子比较幸运,他们可以跳过第一阶段而直接进入第二阶段。

< 阶段2:财务自由 >

大部分人在第一阶段是靠替别人打工存钱而达到的。第二阶段的挑战就是建立一个工作以外的被动收入,当这被动收入多过我们的生活开支,我们就达到了财务自由。

如果你想住独立式房子,驾保时捷和奔驰,每年出国旅行,那么你需要的被动月收入应该在5万马币以上。而你的第一阶段所需要的时间会长很多。

如果你满足于一间排屋,Accord 或 Camry,偶尔才出国旅行,生活开支低,那么你需要的月被动收入定在2万左右就行了。

要如何建立被动收入呢?有很多种方法。比如说我们需要被动月收入5万,以下方法可得:

1. 存放FD 2千万元 @3%利率

2. 买入高息股 1千2百万元 @5%股息

3. 买入公司或政府债劵 1千万 @6%利率

4. 如果你有信心每年可以从股市赚30%,那么你只需要 2百万元而已

当然,除了以上方法,还有很多其他方法如投资房地产,做生意,做直销,卖保险,这些都可以提供被动收入。

< 阶段3:追求梦想 >

当我们达到了第二阶段财务自由,你已经比95%的人成功了。在这时候,你可以放开心胸去追求你的梦想,去创造可以改善人类生活的产品和服务,去帮他人实现他们的梦想,去探讨精神或宗教的高层次秘密,去做你想要做的事。你越成功,你得到的财富就越大,钱已经不重要,生活素质和家人才是无价之宝。