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Mexican Fisherman

The American investment banker was at the pier of a small coastal Mexican village when a small boat with just one fisherman docked. Inside the small boat were several large yellow fin tuna. The American complimented the Mexican on the quality of his fish and asked how long it took to catch them.
The Mexican replied, "Only a little while."
The American then asked, "Why didn't you stay out longer and catch more fish?"
The Mexican fisherman said, "With this I have more than enough to support my family's needs."
The American then asked, "But what do you do with the rest of your time?"
The Mexican fisherman said, "I sleep late, fish a little, play with my children, take siesta with my wife, Maria, stroll into the village every evening where I sip wine and play guitar with my amigos, I have a full and busy life."
The American scoffed, "I am a Harvard MBA and could help you. You should spend more time fishing; and with the proceeds, buy a bigger boat: With the proceeds from the bigger boat you could buy several boat. Eventually you would have a fleet of fishing boats. Instead of selling your catch to a middleman you would sell directly to the processor: eventually opening your own cannery. You would control the product, processing and distribution. You would need to leave this small coastal fishing village and move to Mexico City, then Los Angeles and eventually New York where you will run your ever-expanding enterprise."
The Mexican fisherman asked, "But how long will all this take?" To with the Americam replied, "15 to 20 years."
"But what then?" asked the Mexican. The American laughed and said that's the best part. "When the time is right you would announce an IPO and sell your company stock to the public and become very rich, you would make millions."
"Millions?....Then what?"
The American said, "Then you would retire. Move to a small coastal fishing village where you would sleep late, fish a little, play with your kids, take siesta with your wife, stroll into village in the evenings where you could sip wine and play your guitar with your amigos."

命运 = 机会

你覺得自己命運坎坷，或是正陷入厄運當中嗎？相信我，那不是什麼厄運，而是你要轉運了。命運即機會，你的命運就是你的機會。 遇到不好的事人們總習慣說那是命運；遇到好事就說是幸運、是好運。所以到處都有人想改命或改運，好像命運注定就不是好的。
命運真的是那么壞吗？當然不是。那是一直以來人們的誤解。事實上，正好相反，命運其實都是好的，即使你覺得自己運不順、命不好，但命運對你來說仍是好的。怎麼說呢？比方，有一塊石頭橫在馬路上，如果你不了解的話，它對你來說就是一個阻礙，就是不好的；但是如果你懂得利用它，它就會成為你的階梯，就是好的。命運的道理也是一樣，如果你不了解的話，那麼所有的遭遇對你來說將是一個阻力；但是如果你懂得利用它，它就會成為你的助力。要將命運變成一個機會或是阻礙，那完全依你而定。

記住這句話，「命運不是命運，命運是機會；是給生命一次改變的機會。」

Money Matters

Three gentlemens were all brought to the same emergency room and all of them died before they arrived. Just as one of the nurses was about to put the toe tag on the American, he stirred and opened his eyes. The doctors and nurses Astonished and asked him what happened.

"Well," said the American, "I remember the crash, and then there was a beautiful light, and then the Canadian and the Scot and I were standing at the gates of heaven. St. Peter approached us and said that we were all to young to die. So, with the donation of $50, we could return to earth. So of course I pulled out my wallet and gave him the $50, and the next thing I knew I was back here."

"That's amazing!" said one of the doctors, "But what happened to the other two?"

"Last I saw them," replied the American, "the Scot was haggling over the price and the Canadian was waiting for the government to pay his."

Growth Investing vs Value Investing

Before getting any deeper on stock investing, you must realize that there are styles of stock investing - growth investing and value investing.

Value Investing
Value investing is the strategy of selecting stocks that trade for less than what they are really worth. Value investors keep looking for stocks that are under priced but have excellent financial record. This information can be obtained by looking at the financial statements (balance sheet, income statement). Value investors typically take into consideration attributes like low price to earnings ratio (P/E), price to book ratio (P/B), price to sales ratio (P/S) and high dividend yields. In short, value is defined based on low valuations (low price ratios and high dividend yields) and slow growth (low growth rates for earnings, sales, book value, and cash flow).

Growth Investing
Growth investing works exactly opposite to that of value investing. Growth investors focus on stocks with faster growth potential. Growth investing is the strategy of selecting stocks that show signs of faster growth. Growth investors keep looking for stocks that will grow faster compared to its industry or the overall market. Growth investors focus on stocks trading at high P/E, P/B and P/S ratio and do not care much about dividend yields. In short, growth is defined based on fast growth (high growth rates for earnings, sales, book value, and cash flow) and high valuations (high price ratios and low dividend yields).

Value versus Growth
Value investors generally plan to hold the stock for a longer duration, since they believe over a period the stock will come out with flying colors. Value investors are generally patient investors. Warren Buffet is well known for value investing. On the other hand, growth investors believe that soon the company will grow rapidly and so will its stock price. Growth investors are generally in for short time frame compared to value investors. George Soros is well known for growth investing. In general, value stocks tend to hold up better during stock market downturns.