Savings vs. investing

Savings and Investments

 Which one is good?> When you save is for tomorrow, the money is available anytime and it guaranteed .You get an interest per annul it usual less than 6 percent it all good and  no one have to say the words on the picture .saving is good .You can save for a better tomorrow. 

Now let invest. What is an investment?>It a well calculated risk where you save your money for growth. When you invest you have to do your home work. There is a risk in your money as the saying goes no risk no reward your money will grow you have to do business with a regulated company for your own safety.

My own view is your cannot save your way to riches and you need to save before you can invest. Saving help build the respect and commitment needed for any investment .It up to you what you want to invest in stocks, bonds or property just do your home work. 

income is better than wages

Income is better than wages

I don’t remember who said this line income is better than wages but it came to my mind while I was looking at my portfolio and I agree with this saying that income is better than wages .there is a limit to how much you can get as a wages and your wages are calculated per hour we only have 24 hours in a day and there is only one of you to earn that wages.

Your wages get increased once per year and that increased is not much I think you know you get the point why income is better than wages but wages are good to create an income, wages are good for daily expanses .Please use your wages to create an income for you and your generation use what you have to get what you want .to get the full benefits of income you must have a multiples streams of income.

The power of income is huge you can multiply the your income to make more money the potential is endless .the good news is that you can start with any amount of money big or small you can do something let me make just make few examples you can buy shares in small capitalization companies build your investments .

Invest in a company that is the leader in it field you can invest in property get paid rent to get a second house your property investments can pay for itself you can also buy shares in a listed property companies if you don’t want to manage the property you self you can always hire a company to manage the property on your behalf.

There are many ways you can make income the bigger goal should always be making multiples streams of income because income is always better than wages income makes money works hard for you not you working hard for . 

instant gratification

instant gratification 

          

we all suffer from a condition called instant gratification is not a medical terminology it our mindset we want everything and we want if now .our attitude toward life we became a microwave generation we want minutes result ,we want our food and we want it know

Instant food ,reedy cooked meals or so called pre cooked food this attitude we have this attitude in everything we passive it in our daily life’s ,in our investments philosophy we want instant result .the fact is know that long term investments pays good result .

                                                             

Example property takes years to appreciate shares and bonds our attitude of instant gratification puts us in risk of unsafe investments .criminals use this for  their benefits they promise instant result big fake rates

We ended up losing our money kissing it goodbye instant gratification plays with our emotions we end up depressed because life few things are instant and money game is not instant .we put hard work do research before you invest you must calculate price earnings ratios or any other ratios before you can make good investment.

When you have instant gratification attitude percent of being depressed because life is not instant and improving life and personal development is not instant so as a result you will see false result example includes you will see yourself as a failure everything will be against your attitude you will not feel instant gratification and you will not be grateful for anything in your life .

all this is a false result and can put you out in a game called life .

good news is that changing this attitude of instant gratification will change the way we see life and life will be worth living if we can go back to the good all attitude waiting and hard work pays well.

We will work hard in everything that we do not only we will achieve more in life it will be beyond our expatiation that the real gratification .our life perception will be gratefulness.

Speculating and investing What is speculating?

Speculating and investing

What is speculating?

Speculating is not investing, is to take chance with a hope of making big money, example a new company is opening or offering shares like (IPO) Initial Public Offering that a new company listing on a stock exchange .why I say this is a speculating, it because the company is new, its management hasn't proven themselves and you have n financial records to see how they manage their financial records.

Speculating is not all bad because you may win big on the other side you may lose all your money You When you put your money in a company like this one it not investing it speculating .The question that came to my mind, Is speculating good or bad? When you speculate you take chances with your money just have to calculate when you speculate and know what you are speculating and not investing.

Investing

Investing is the opposite of speculating. Before you invest your money you calculate the risk vs. reward, do your home work, read the financial records of that business, and see if there are making money for the past 3 years and how much debts the company has. You will need this to make an informed decision if the company is not making any profits and has debts how are there going to pay back .The creditors will take asset from the business, the business will lose value.

This are just few basic information to minimize the risk and make a good investment you have to invest in a business you know or in a business you understand how are there making money .The best investment you can make it to educate yourself in investing that will save you money and time. 

time and money

Time and money

What is time?> Time is what we use to calculate the hours, days months and years. We all have the same 24 hours per day and how we see time is different the rich and the poor don’t value time the same. I once read a card that said the rich have big Liberia’s and the poor have big TVs. The rich use time to enrich the mind the poor entertained them self with the TV

Time is more important than money everything is calculated by time people get paid hourly based on the time they used to get the skill to do that work.For example, If you have a 10 years experience doing something you command more money than a person who has less experience than you do .

A doctor get paid more than a nurse but they do one thing .The doctor has spend more time leaning than a nurse it all about time at the end of the day. Time is so valuable, if you break any law or rule you may be punished by time based on the crime committed. The bigger the crime more time will be taken from you . You may ask yourself what time has to do with money if you save or invest your money more time you give it more it grow.

If you go to a rich list of the world all those people have more than 10 years in business and they invest for a long term 20 to 40 years while the poor invest and want their money in 3 to six months time .what is is time to you? how much are you willing to give up to be rich ?We all have the same 24 hours in a day so, use your time wisely.

saving vs investing

Savings vs. investing

Savings and Investments

 Which one is good?> When you save is for tomorrow,the money is available anytime and it guaranteed .You get an interest per annul it usual less than 6 percent it all good and  no one have to say the words on the pics .saving is good .You can save for a better tomorrow. 

Now let invest. what is an investment?>It a well calculated risk where you save your money for growth. when you invest you have to do your home work. There is a risk in your money as the saying goes no risk no reward your money will grow you have to do business with a regulated company for your own safety.

My own view is your cannot save your way to riches and you need to save before you can invest. Saving help build the respect and commitment needed for any investment .It up to you what you want to invest in stocks ,bonds or property just do your home work. 

Eskom may pay you for running your generator

Wednesday, 21 January 2015

NEWS

Eskom may pay you for running your generator

Antoinette Slabbert

Eskom is engaging large property owners in an effort to contract their stand-by generator capacity to reduce the electricty demand on the national grid.

It is prepared to pay the owner of the generator R3/kWh to run the generator when called upon.

Head of Eskom’s demand side management Andrew Etzinger says the utility is engaging property owners through the South African Property Association (Sapoa), but the offer will not be limited to members only. Any generator above the minimum capacity of 1MW will be considered.

“We come out and install a meter on your generator and will thereafter compensate you at about R3/kWh when you run it. We may require you to run it for longer periods that you would have for your own needs though,” says Etzinger.

He explains that while the load shedding schedule may dictate that a shopping centre, for example, must run its generator for two hours, Eskom may require something different. For instance it may need the centre to run on its generators for six hours, because it will reduce demand on the rest of the grid for that period.

CEO of Sapoa Neil Gopal says the concept was well received by Sapoa members present at the initial meeting with Eskom representatives in December last year.

Etzinger said any generator has to be switched on regularly to ensure it is always in working condition. The benefit will be that owners will now be compensated for it. He advises though that “the tariff may not be that attractive and owners may be concerned about running out of diesel when they really need it for their own demand”.

These are things to be considered and some flexibility may be necessary, he said. Etzinger nevertheless hopes that agreements can be reached during February.

He said Sapoa has sent a questionnaire to its members and is waiting for feedback.

Gopal said Sapoa still has to hear from its members what their major concerns are and whether they consider the tariff that Eskom offers viable.

He said as the offer stands the key benefits to Sapoa members include:

• Capacity payment for hours scheduled to be on standby the following day;
• Energy payment of R1.25/kWh for energy not consumed;
• Standby notification by 15:00 for the day ahead;
• Minimum 30 minute notification to reduce load;
• One to two hour reduction request per sheduled day;
• Up to 150 load reduction events per year.

the cost of education in south Africa

PRESENTED BYoldmutual.co.za

 

skill

Skill

Skill is one of the most important thing you can have in life, when you are skilled you will get paid more and be better in whatever job you do .Most people trust the so called gurus for advice e.g. in investing I was one of those people they this guy I won’t name him, He is a regular of radio and television giving advice .I trusted him with advise he invested money for me out of few trades he lost most .what I did I gave him money to invest for me but I also invested money on my own I had more wining trades than him.

The market respects no man or women the level of education is not important to Mr. Market. You need to gain the first hand experience and skill needed to be a good investor .The market is just like driving a car you need to go to the driving school learn to drive the more  you learn the better you will be just like a car. The few first trades or investing are the hardest and one why just like a car the motions will be all over the place panic  and fear when this emotion take control more mistakes will be made until a person calm down .

Mr. Market feed on emotion fear, panic and greed. The market is a collection of many traders making decision.  The winner is the one who can control his or her emotions and controlling emotions is a skill that can be mastered .Please be a skilled investor or trader if you are skilled you will be free from emotions and bad advice and make your own investments .