CPO prices to get full La Nina effect by end-May

Rising La Nina weather risks:
- threatening major oilseeds and grain growing areas in the US in March and April and South America, by end-May 2009.
- affect the harvesting season for soybean in Brazil and
- Argentina from February to April.

All will depend on the length (time frame) of the La Nina weather pattern in 2009.
The world encountered a lengthy La Nina phenomenon from 1998 to 2001.

In 2001 - US farmers planted 1.6% less acreage of soybean and 4.8% less acreage of corn due to the wet weather caused by La Nina.

In Malaysia, abnormal heavy rainfall early last year created floods in major oil palm plantation areas like Johor and Pahang, giving a short-term boost in CPO prices.

Meanwhile, plantation stocks were traded higher on Bursa Malaysia yesterday as the CPO price closed above RM1,600 per tonne in line with soybean oil gains on the overnight Chicago Board of Trade.

On Bursa Malaysia Derivatives, the benchmark CPO for March delivery closed RM81 higher at RM1,671 per tonne.

Palm-based biodiesel would become critical to palm oil pricing over the next six to eight months.

Demand for rapeseed, soy and palm oils used for biofuel production will increase from 10 million tonnes in 2008 to nearly 12.5 million tonnes in 2009.

On Tuesday, CPO moved up to RM1,670 per tonne because crude oil jumped to US$40 per barrel.

CPO at RM1,670 translates to US$65 per barrel, in other words CPO is 60% costlier than crude oil.

For 2009, global palm oil production will ease off to about 2.6 million tonnes from 4.5 million tonnes in 2008.

Soy oil production will also decrease to 1.15 million tonnes in 2009 compared with 1.82 million in 2008.

However, supply of vegetable oils will increase to 6.9 million tonnes in 2009 from 5.5 million in 2008.

But total demand for global vegetable oils is estimated to grow only to six million tonnes in 2009.

In other words, the world will have a surplus of vegetable oils in 2009.

We also need to ask what would happen if food demand did not grow as expected given the severity of the economic downturn with consumers cutting back on food and fuel consumption.

In that scenario, the best saviour for palm oil could be biodiesel.

To maintain CPO prices at RM1,800-RM1,900 per tonne, Malaysia, Singapore and Indonesia need to convert more CPO to biodiesel.

Production of three million tonnes of biodiesel from about 12 biodiesel plants in South East Asia in the next 12 to 15 months would result in lower palm oil inventories.

It is important to note that CPO at RM1,500 to RM1,600 per tonne does not provide adequate operating margins to plantation companies for reinvestments due to the steep hike in input costs over the past 18 months.

USD/JPY

Palm tracks crude plunge

CPO FUTURES

CRUDE palm oil (CPO) futures prices on Bursa Malaysia Derivatives closed lower yesterday tracking the plunge in crude oil prices and Chicago Board of Trade overnight, dealers said.

US light crude for January fell to a four-year low of US$40 per barrel despite the 2.2 million barrel per day output cut by Organisation of the Petroleum Exporting Countries.

A dealer said the commodity’s outlook remained bleak.

He said the CPO market was expected to see range-bound trading today.

January 2009 fell RM45 to close at RM1,541 per tonne, February 2009 dropped RM45 to RM1,543, March 2009 slipped RM35 to RM1,545 and April 2009 went down RM35 to RM1,550.

Volume, however, rose to 8,696 lots from 6,905 lots yesterday and open interests increased to 83,049 contracts from 82,768 contracts previously.

On the physical market, December South was lower at RM1,565 per tonne from yesterday’s RM1,600.


RUBBER

MALAYSIAN rubber prices ended higher yesterday despite falling crude oil price, dealers said.

They said the market was relatively quiet on lack of interest from buyers as the market was looking for new direction following the drop in prices on the Tokyo rubber futures market.

“Most buyers adopted a wait-and-see attitude,” one of the dealers said.

At noon, the physical price for tyre-grade SMR 20 increased 3.5 sen to 408 sen per kg and latex in bulk gained two sen to 311.5 sen per kg.

The unofficial sellers’ closing price for tyre-grade SMR 20 at 5pm went up one sen to 408.5 sen per kg and latex in bulk edged up one sen to 312.5 sen per kg.


TIN

THE tin price on the Kuala Lumpur Tin Market (KLTM) closed lower yesterday by US$50 to settle at US$11,200 per tonne, despite the uptrend in the London Metal Exchange (LME).

The price on the LME,which usually dictates the direction of the KLTM, went up US$175 to settle at US$11,100 per tonne.

On the KLTM, turnover was higher at 61 tonnes versus 27 tonnes yesterday with local, Japanese and European traders contributing to the bulk of transactions.

At the opening level, bids stood at 41 tonnes compared with offers of 66 tonnes.

The price differential between the KLTM and LME narrowed to a premium of US$335 compared with US$560 previously. — Bernama

亂世理財‧廢墟裡尋寶

“金融海嘯蒸發了我們的財富！”－－投資者。

美國聯邦儲備局前主席格林斯潘形容現時的全球金融危機，是“百年一遇的信貸海嘯”，在這樣“恐怖”的金融海嘯面前，投資者哪有資產不折損的理由。

因此，近期投資界熱門話題離不開“如何以退為進，以便在全球金融海嘯下為財富尋找更好的避風港，或從短期問題中取得長期成長機會”。

《財富廣場》誠邀著名理財、投資專家親身傳授投資者“亂世理財”妙招，為你剖析亂世取得長期投資成長的機會。

一場金融海嘯讓無數股民、基民不寒而栗，身家財富不知少了多少個零頭，心痛都來不及了，那還有心思理會甚麼理財大計。

不過，理財專家認為，越是情況惡劣，民眾越要未雨綢繆，重新考慮理財思路，以應付未來可能發生的更糟糕情況。

“面對突如其來的金融海嘯，投資者在理財時需要採取多種措施應對金融危機的衝擊。這樣才能使自己的資產不受或者受到較小的損失。”

以下是專家亂世理財4招：

1.保持家庭現金儲備

雷曼兄弟破產，根本原因源於流動性不足，說明縱有巨額資產，但是在危機來臨時，這些資產卻難以及時變現來償還債務。

因此，對於一般家庭而言，保持家庭必要現金儲備也很重要，因為當經濟不確定性增加，或下滑風險較大時，我們可能因企業盈利下滑等因素而導致收入下降或失業，因此事先儲備一定的現金無異是為家庭儲備過冬糧草。

2.開源不易多想節流

要想財富增值，不外乎兩條路——開源和節流。而在經濟不太景氣時，“開源”變得越來越不容易，那就只有“節流”了。

對於很多人來說，為了將來生活考慮，或許也該趁著這個機會，反省一下自己的消費習慣，多想想節流之策了。在對未來預期不確定時，最好在不影響正常生活水準的前提下，儘可能減少不必要的開支，譬如刷卡一族要遏制衝動消費，推遲一些大額奢侈消費等。

3.審慎使用財務槓桿

次貸危機以及它所引發的金融危機之所以成為“海嘯”，主要是因為參與主體都利用了高財務槓桿，在經濟景氣時收益被成倍放大，而當危機來臨時，風險同樣被成倍放大。

這個慘痛的教訓也值得廣大普通家庭吸取。對於普通家庭來說，現在正是清點自己資產和負債的最佳良機，看看資產負債比是否合適，負債是否在自己的可承受範圍之內。

總之在不確定性增加的情況下，儘可能地減少不必要的負債，不要做負擔過重的房奴、卡奴，謹慎參與保證金交易等，這些都是幫你應對危機、保住錢袋子的方式。

4.審時度勢謹慎投資

在市場不明朗的時候，草率的賣買行為都是不明智的。投資者應趁此好好盤點自己的各種實質資產和金融資產，如果資產質量不錯，哪怕目前價格下跌，也最好堅定持有。

當然，危機同時也包含著機遇，如果還有補倉的實力，一定要仔細研究，不要著急出手。對於要投資實業項目的，一定要慎重考察評估金融危機對所投資行業的影響。

百年風暴=百年機遇

“歷史並不會重演，但往往有其規律性”－－美國文豪馬克吐溫（Mark Twain）。

美國信安環球投資（Principal Global Investors）組合經理傑德亞指出：“論背景與嚴重性，是次金融海嘯與1929年的經濟大蕭條確實有不少相似之處，值得我們借鏡。”

上世紀20年代，美國處於低息兼借貸寬鬆的環境，大量消費者借款購買汽車等貴價耐用品，導致負債過高，為削減負債，消費者開始節省開支減少消費，再加上當時農產品價格狂跌，各國採取關稅壁壘，企業被迫減價促銷導致物價全面受壓，銀行壞賬急升，終導致危機發生。

他認為，儘管全球經濟現籠罩在不明朗因素內，但隨著全球政府和中行通過為金融系統注入流動資金、為部份存款進行擔保和減息等措施，積極整修金融市場，終可挽回市場信心，止住負面風險。

“然而金融海嘯對經濟的衝擊仍未全面浮現，根本問題仍未完全解決，相信金融措施需要時間對經濟發揮影響，信貸供應難以即時回復正常，全球經濟陷入衰退潛能依舊存在。”

不過，每片烏雲的邊緣總有光耀的銀邊（Every cloud has a silver lining），隨著全球政府攜手合作，加上原產品價格滑落，為經濟提供喘息空間，將可為長期經濟復甦帶來支撐。

因此，投資者何不換個角度想，此次百年難得一見的風暴，也許就是百年難得一見的機會，金融海嘯後，海灘上應隨處可見飽經風浪的珍珠，為投資者提供撿便宜的大好機會。

資產隨手可得

傑德亞表示，金融危機總有過去的一天，隨著全球股市大跌，便宜資產隨處可得，交易機會浮現，君不見主權財富基金正頻頻出手，私人市場交易有日趨上升趨勢，在在顯示市場已開始湧現投資良機。

“目前，多數股市因投資者恐慌拋售而呈“超賣”格局，而歷史顯示，股市動盪期往往將為投資者提供誘人長期投資機會。”

不過，正如美盛（Legg Mason）資本管理主席兼首席投資員比爾米勒（Bill Miller）所說的，投資者真正面對的問題是，他們並不了解實際風險（Real Risk）和意識風險（Perceived Risk）的真正分別，因此往往認為價格低時風險高，而風險低時價格高，從而錯失不少投資良機。

“其實，市場並不會呈直線發展，而是以週期性的格局發展，因此投資者在選股時只需以業務基礎、估值、投資預期作為主要考量進行長期投資，即可發現潛藏其中的價值。”

4招護身秘笈

紙上談兵固然輕鬆，但實際操作就是另外一碼事了。沒有實戰經驗的專家指點明路，欲在亂世中進行投資就像是盲人摸象，摸不著頭腦。

為此，傑德亞特別為投資者精選4大長期投資要素，讓你在混亂市況中也可達到安全投資之效。

1.資產配置（Asset Allocation）

其實，資產配置就是將資金分別投資到各種不同資產類別，經由長期持有和持續投資來降低風險，以達到預設報酬的一種投資組合策略。

資產配置是以系統化分散投資的操作方式來降低投資風險，並在個人可忍受的風險範圍內追求最大報酬，以達到“在風險理財與無風險理財之間求取平衡”的投資目標。

資產配置的最主要目的，並不在追求資產的最大化，而是降低投資的最大風險。因此，如何精準地挑選投資工具、審慎評估各種投資風險（包含個人風險承受度）、掌握適當的投資時機、長期且連續的投資計劃，都是投資人在資產配置時應該考慮的因素。

2.投資選擇（Investment Selection）

各類資產均有其獨特的特點和缺點，因此單一資產投資風險往往比組合投資來得高。因此，睿智的投資者應關注於易掌控的多元投資項目，以地區、投資產品種類等進行分散投資。

市場可用於投資的產品種類林林種種，有產業、基金、債券等，分散資產投資有助於減輕投資組合的波動性；混合風格何市場投資則可增加整體市場週期的穩定性，在市場動盪時往往可起得“緩衝器”的效果。

3.投資週期（Investment Time Horizon）

時機決定一切，正確判別市場方向僅僅是問題答案的小部份。入市時間相差一天，有時甚至僅幾分鐘，結果可能截然不同。

數據顯示，高達80至90%股票回酬通常僅在2至7%的投資期限內浮現，因此若在股價走揚時，投資者卻在場外，屆時投資組合將注定“落後大市”。

以72法則（Rule Of 72）為例，假設投資者最初投資金額為100令吉，複息年利率9%，利用該法則將72除以9（增長率），即需約8年時間，投資金額方能增長至200令吉（兩倍於100元），而準確需時為8.0432年。

因此，若投資者選錯入市時間，在股市已趨向最高峰時入市，泡沫一旦爆破，便得承受短則1年，長則3年的熊市壓力，令投資目標達成期限恐再延後。

由此可見，在市時間（Time In The Market）在長期投資策略的作用遠比市場時機（Timing The Market）來得有效，扮演著投資成敗的關鍵角色。

1萬美元投資成長（與標準普爾500指數相符）
從1991年12月至2006年12月
市場持續投資 $45,579
錯失10個最好的日子 $28,397
錯失30個最好的日子 $14,029
錯失50個最好的日子 $8,141
資料來源：彭博社

4.風險水平（Risk Level）

“風險指的是不確定性，一旦風險出現就可能給投資者帶預期之外的收益或本金損失。”

在金融市場巨大波動調整的情況下，投資者應該反思投資策略，根據自己的虧損、獲利情況，詳細評估風險承受能力。

不同的投資者有著不同的風險偏好，所能承受的最大風險和損失的程度也不相同。風險承受能力和個人的年齡、職業、收入、投資經驗等都有關係。此外，隨著環境、家庭情況變化等，風險承受能力是會發生變化的。

對於投資者而言，瞭解自己的風險承受能力，是製訂下一步投資理財計劃的基礎。通常來說，年輕投資者所能承受的最大虧損比例一般在30%以內，而老年客戶能承受的最大虧損比例在5%～10%以內。

風險概況評估重點：

●投資個性
●風險承擔能力
●投資能力
●投資需要
●資產配置
●投資選擇
●定期檢討

短期問題

金融市場

●多數股票市場已進入熊市疆域
●全球政府已為市場注資數千億美元，同時降低短期官方利率
●信貸並不便宜，但資金來源仍相對困難
●全球金融機構已註銷約6000億資產
●油價依然昂貴（儘管迄今跌幅巨大）
●多數原產品價格進行調整
●市場震盪幅度創下歷來之最

實際經濟

●全球經濟放緩，超過190個國家經濟開始收縮
●就業市場疲弱－－失業率上升
●美國、英國和其他國家產業市場持續苦苦掙扎
●美國7月份痛苦指數（Misery Index）創下11.3%，創下28年新高

潛在長期獲利因素

●多數股市因投資者恐慌拋售而呈“超賣”格局
●歷史上，股市動盪期將為投資者提供誘人長期投資機會
●無論在任何市況下，投資者在選股時只需謹遵以下3項原則即可發現潛藏價值：

1.業務基礎改善和穩定
2.估值相對誘人
3.投資預期提s昇

●注重“在市時間”多於“市場時機”，主要投資表現“超越大市”往往只在1年的數日出現。
●證券配置需符合你的風險承擔能力，並採取廣泛的資產配置策略

星洲日報／財富廣場／尼焦點策劃‧2008.12.13

World Crude Oil Price VS Malaysia Pump Price

BJTOTO - 2nd Quarter ended Oct 31 Results

Net profit :27% increase RM113.74mil from RM89.47mil
Revenue : rose to RM941.78mil from RM792.47mil, 19% growth
EPS : 9.06 sen compared with 7.09 sen. It declared seven sen dividend per share.

Pre-tax Profit : increase due to lower prize payout

The company said based on the 10 sen shares in issue and with voting rights as at Friday of 1.256 billion, the second interim net dividend distribution for the financial year ending April 30, 2009 was about RM65.9mil.

For the first half net profit rose to RM206.13mil from RM189.74mil a year ago. Revenue rose to RM1.76buil from RM1.55bil.

TANJUNG - Q3 ended Oct 31 2008 Results

Individual Period
------------------

Net Profit : 44.5% drop to RM97.1mil
Reason :
- Partly due to a charge of RM55mil related to a one-off windfall levy imposed on its Malaysian power plants.

Revenue : jumped 42.6% to RM986.5mil
Reason :
- Mainly due to contribution totalling RM176mil from its Globeleq Ltd power plants in Egypt, Bangladesh, Pakistan and Sri Lanka which were acquired in November last year.

Pre-tax profit : fell to RM139mil from RM239mil
Reason :
- Windfall levy charge
- Reduced contribution from the gaming division arising from fewer draws and a higher payout ratio. The number forecast operations (NFO) saw its prize payout ratio rising to 66% during the period versus 62% a year ago.

Cummulative Period
---------------------

Pre-tax Profit : rose to RM600.61mil from RM560.81mil
Revenue : increased to RM2.64bil from RM1.94bil

Power Generation Revenue : 51% increase to RM1.94bil from RM1.29bil
NFO Gross Sales : dropped by 4% to RM1.46bil from RM1.52bil due to fewer draws being conducted.

Industrial Production Index (IPI)

TNB's Fuel Cost

公益金

注册了nuffnang ad, 希望可以通过广告收益捐做慈善用途。。。

Employees Provident Fund (EPF)

The international reserves of BNM

The international reserves of BNM amounted to RM336.4bn (US$97.7bn) as at 28 November 2008. It eased by 2% as compared to two weeks ago, which amounted RM343.8bn or US$99.7bn. The reserves position is sufficient to finance 7.9 months of retained imports and is 3.5 times the short-term external debt. (BNM)

YTL placed S$4.3b bet on S’pore assets in past year

KUALA LUMPUR: Malaysian conglomerate YTL group has placed huge bets in neighbouring Singapore over the past one year, having announced three major deals worth a combined S$4.3 billion (RM10.24 billion).

Geographical diversification is deemed pivotal to sustain YTL’s earnings in anticipation of a tougher business landscape at home amid a weaker global economic outlook.

In November 2007, YTL Corp Bhd paid S$435 million for its enbloc purchase of Westwood Apartments, comprising 50 high-rise units at Orchard Boulevard. In October 2008, YTL Corp said it would fork out S$264.62 million to spur its foray into the Singapore real estate investment trust (REIT) market.

Of that, S$202.62 million was spent to acquire a 26% associate stake in Macquarie Prime Real Estate Investment Trust, while the remaining S$62 million was used to secure a 50% interest in Prime REIT Management Holdings Pte Ltd, which manages the property trust.

On Tuesday, YTL Power International announced it was acquiring PowerSeraya Ltd, the second-largest electricity producer in terms of installed capacity in the island-nation, for S$3.6 billion.

Analysts said YTL Power had paid a reasonable price for PowerSeraya. In a note, OSK Research said the purchase price was reasonable by virtue of the age of the acquired entity’s assets compared with those owned by other major power producers in Singapore, namely Senoko Power and Tuas Power.

“When benchmarked against the other two Singaporean power generation companies, the price to be paid seems fair on a price-to-book, and price-to-megawatt (MW) valuation given that the age of PowerSeraya’s assets fall between Senoko’s older assets and Tuas’ newer assets.

“On a price-to-earnings ratio basis, however, the price does seem somewhat of a steal at 16.5 times, versus 28 times for Senoko and 27 times for Tuas,” said OSK Research.

AmResearch Sdn Bhd shares similar views. The research firm said based on PowerSeraya’s S$550 million debt, the purchase price translated to an enterprise value of US$0.8 million per MW which is lower than the price paid for Tuas at US$1.1 million per MW.

At the same time, the acquisition price of PowerSeraya is also lower than the current replacement cost for opened and combined cycle power plants at US$0.9 million per MW and US$1.4 million per MW respectively.

“However, the price is slightly higher than Senoko’s US$0.7 million per MW. Hence, we view the price tag as fair, given that the plants have an estimated average age of over 10 years while the average lifespan of a power plant is 25 years,” said AmResearch, reiterating a buy on YTL Power with a higher target price of RM2.45.

PowerSeraya, with a licensed power generation capacity of 3,100 MW, accounts for about a quarter of Singapore’s licensed power output capacity. The company was granted a 30-year electricity production licence till 2032 by the Energy Market Authority of Singapore.

YTL Power has said the acquisition of PowerSeraya is expected to generate an annual revenue and net profit of about RM6.95 billion and RM76 million, respectively, in the first full financial year (FY) ending June 30, 2010, adding one sen to earnings per share.

In Malaysia, YTL Power owns two power stations — at Paka in Terengganu and Pasir Gudang in Johor — with a combined generation capacity of 1,212MW.

Abroad, it has a 33.5% stake in ElectraNet Pty Ltd, which owns and operates South Australia state’s transmission grid under a 200-year concession, a 35% interest in Indonesia’s PT Jawa Power, which owns a 1,220MW plant, and a 100% stake in PT YTL Jawa Timur, the operations and maintenance company of Jawa Power.

ECM Libra wrote in a note: “We have taken into account the additional income and expenses in our forecasts from FY2009. However, the net impact on our valuation is not significantly higher.” The research firm maintained its fair value of RM2.93 and a buy on YTL Power.

The stock fell 3.6%, or seven sen, to RM1.86 yesterday with 5.26 million shares done.

04-12-2008, by Chong Jin Hun (theedgedaily.com)

YTL snaps up PowerSeraya for S$3.8b

西拉雅能源是淡馬錫最后出售的能源公司，此前已脫售聖諾哥能源和大士能源（Tuas Power）。

楊忠禮能源發佈文告說，西拉雅能源為新加坡第2大能源公司，供電量高達3100兆瓦，佔新加坡能源總產量25%。

一旦獲得小股東批准，預計收購計劃將在明年2月28日完成。

楊忠禮能源獲新加坡最大銀行星展銀行（DBS Bank），提供22億5000萬新元（約53億6300萬令吉）融資便利。

西拉雅能源成為楊忠禮能源單一最大能源業務，從而多元化后者財源。

截至今年3月31日，西拉雅能源營業額達27億9300萬新元（約66億5727萬令吉），淨利報2億1800萬新元（約5億1961萬令吉），淨債務2億100萬新元（約4億7909萬令吉）。

November 30, 2008- Market Summary

The Weekly Report for December 1st - December 5th, 2008

November 30, 2008- Market Summary
In our last report, we mentioned that the markets were in an interesting position from a technical analysis standpoint. We noted that the major indexes, such as the S&P 500, reached their lowest levels since 1997. This past week, things began to turn around as news of a continued bailout of the U.S economy drove the Dow to its first four-day rally since April. What is even more significant is that the Dow rallied 17% in the previous five sessions, marking the largest percentage gain since 1932 and the best five-day point gain on record. The impressive bull rally has many traders worried about a potential pullback, while others are taking the strength as a sign of a market bottom. We think that the high level of volatility that has been present in the markets, combined with weakening fundamental data, makes it extremely dangerous for anyone to predict how long buying pressure will last. The safest bet is probably to remain on the sidelines.

by ChartAdvisor.com

钱只是钱，一件平常的物。

转载自CCChang转载的佳礼中文论坛（htlim1)

刚才在游览佳礼论坛时，看到了这一篇文章，简练的说出了人生中的理财规划，值得深思。

钱只是钱，一件平常的物。
提早做规划，別等有了钱再说，要发财，先做发财梦。
理财要先把小钱放在眼前，用积极的态度去追求财富。
每天对自己说，我要赚大钱。梦想再好，不行动只是水中月，镜中花。
与时俱进地选择合适的理财方式，用钱去投资，而不是抱着钱睡大觉。
财富不是你能赚多少钱，而是你赚的钱能让你过得多好。

智能是永恒的财富，有智能的人永不会贫穷。
金钱的价值是人为賦予的，青春和健康是最大的财富。
游戏金钱的心态才是赚钱的好心态，让金钱流动起來。
多一份投资就多一份收入，君子爱财，取之有道，散之有方。
时刻做好致富的准备，机会敲门的声音很轻，你要用心才能听到。
什么样的目标決定什么样的生活，怀有強烈的致富愿望。

富有是一种选择，一夜致富只是不切实际的幻想。
投资的好心态是财富的守护神，你的投资习惯价值百万。
聚少成多，聚沙成塔。学习有关金钱的预算，懂点财务知识。
给自己投资是最能获益的投资，天下沒有免費的午餐。
拥有很多财富时就会从此不满足，贪，只会让你失财。
时间远比金钱贵重，金钱有价，情义无价，珍惜身边的朋友。
追求财富，但不能被金钱蒙蔽了眼睛。
人生最大的财富，便是人际关系。

终身投资才能成就财富人生，积极心态是创造财富的关键。
把钱都揣进腰包不算富翁，賭徒的口袋里永远没钱。
获得金钱上的充分自立，有稳定的收入就自立了吗。
投资得当才会带來丰厚的回报，拿到手的才是自己的。
要避免借债，好似避开魔鬼一样。
每一个灵感都是你赚钱的来源，处处留心皆生意。
独辟蹊径，拾遗補闕或填補空白更容易賺錢。
想要长期地赚大钱，一定要脚踏实地。

稳健理财是大富之源，他能，你也能，投资理财不是有钱人的专利。
只靠勤奋发不了财，利润是机会的种子。杂草也有用处，财气比运气更重要。
让脑子多走些路，创造力生财。
杰出的创意就是金钱，不当有才华的穷人。
与其去找工作，不如自己创业。
干活越少，赚钱越多。

大生意是学出來的，穿鞋就比赤脚跑得快，学会借力使力式理财。
不怕店小就怕做不好，自信之路，财富人生。
在熟悉的领域投资更容易赚钱，正确的思考是致富的捷径。
量力而行去投资，投资理财应避免盲目跟风。
财富是赚出來的，不是攒出來的。
只要值得就要去冒险，別人的危机就是自己的良机。
投资要先具备抵抗风险的能力，时时刻刻都要防范交易风险。
只要有钱就拿去做投资，以退为进，保存投资实力。

不要错过每一个可能的赚钱契机，放长线，才能钓大鱼。
在正确的时间做正确的事情，才能保证把风险降到最低。
一旦赚到合适的利润就立刻卖掉，決不猶豫。
读懂市场会令你财源滚滚，用大智看大勢赚大钱。
对人本身最大的效用不是财富，而是幸福本身。
花钱提高生活的情趣和意义，不光会赚钱还要会花钱，千万別过背上债务的尷尬生活。
组合投资就是分散风险，可以不赚钱，但決不要赔钱。
不要怕別人说自己吝嗇，节约每一分钱，把钱用在刀刃上。
想买的东西请等三日，永远不讲排场乱开支。

节俭是有计划地奔向财富，开源亦要节流方是理财之道。
节俭是财富的种子，无视小钱，定将痛失大钱。
不为沒把握的事情而等待，该放弃时要果断放弃。
投资需要耐心和毅力，百折不饶，永不放弃，才能找到自己追求的财富。
不要因挫折而动摇自己的決心和改变计划，培养一个理性用钱的习惯。
崇尚简朴的生活，储蓄是投资的蓄水池。