Benjamin Graham Depiction of the Relationship of Intrinsic Value to Market price

Nine Key to Investing --Warren Buffett-Master of the market --JAY STEELE

1.    Know the numbers and What They Mean

2.    Invest in Products You Understand

3.    Read Widely to Value Prospects

4.    Always Maintain a Margin of Safety

5.    Become a Fanatic about Investment

6.    Avoid Buying “Popular” Stocks

7.    The Secret of Compound Interest

8.    Know When to Invest

9.    Never Run with the Street Pack

Nine Essential Laws to succeed in a Volatile Market -- Charles B Carlson's

1.    Know Your enemy – Understanding the Ins and Outs of Volatility

2.    Invest in the “Eye of the Storm”

3.    Diversify Through Assets and Time

4.    Use “Easy Hold” Stocks to ride Out Volatile Markets

5.    Establish an “All weather” Portfolio

6.    Invest at regular Interval by using dollar-based investing Programs

7.    Know When to sell

8.    Simplify Your Investment Strategy

9.    Learn How to Detect When the Market Shifts

Invesment 4 (Words)

"Speders have fun"

"Savers have cash"

Investment 3 (Garbage is Gold)

After Mr.Jo sale asset, He comfortable from loan; He had time to think how to make money from now. Mr. Jo has much electronic equipment, Toy, book and etc, Mr. Jo think should be exchange to money.
Check Garbage
1. Stereo
2. Old Magazine
3. Old Book
4. Laser Player
5. Old Computer
6. Old Notebook
7. PUMP
8. Old Furniture , Desk
Check who is buys Garbage
1. Check by Google
2. Check by Newspaper
3. Check by Yellow page
Benefic for change garbage to Money
1. House is clean
2. Money (Do not look over the Cent, Because 1 dollar is 100 Cent)
3. Principle, when you want to buy something to House, You’ll get question is must for you or not?

Investment 2 ( Clear Debt)

How to clear debt. After check healt personal finace Mr.Jo they fond loan. This status can't investment because the return from investment can't fight the interest from Debt. Better way Mr.Jo should clear Debt first.
Loan List:

1. Credit card 8,500 $
2. Car 300 $ per month (Fixed Pay)

Step:

1. Asset and Saving.
- Fixed Asset 3000 $
- Long term bond 1000 $ (Can't touch)
2. Check Income (Only one for Income)
- Income 1200 $ per month

3. Pay Dept (Income 1,200 $)
- Pay for Car 300 $
- Pay Credit card 10 % 850 $
*** 1200-300-850= 50 $ ****

From information Mr. Jo have only 50 $ for cost of living , this money is not enoght. Minimum living cost should be 300 $ per month.

Solution:

1. Sale Fiexd Asset 2,000 $ for reduce Dept.

*** 8500 - 2000 = 6500 $ (Credit card dept after sale Fixed asset)

Personel Finace after sale asset

Income 1,200 $
Credit card Dept 6,500 $ 10 % payment per month 650 $
Car Loan 300 $

**** 1200-650-300 = 250 $ (Total cost of living per month) ***

Mr.Jo should have discipline don't create new debt and loan.

Investment 1 Begin to Invest (Check)

When you start investment have step for check personel finace as list below.

1. Don't has debt ,Because the interest of debt will reduce return from investment.
2. Should have money for emergency 6 month, Invest have risk.
3. Divide momney for 3 Type

a. Emergency (Support monthy budget 6 Month)
b. Short Term or Long term (Pay what you want , don't more than 20 % of yearly income )
c. Investment


*** Investment have risk , Investor should study the information before investment ***