We begin this New Year with dampened enthusiasm and dented optimism. Our happiness is diluted and our peace is threatened by the financial illness that has infected our families, organizations and nations.

Everyone is desperate to find a remedy that will cure their financial illness and help them recover their financial health. They expect the financial experts to provide them with remedies, forgetting the fact that it is these experts who created this financial mess.

Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older.

This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.
Ø Hard work: All hard work bring a profit, but mere talk leads only to poverty.
Ø Laziness: A sleeping lobster is carried away by the water current.
Ø Earnings: Never depend on a single source of income. [At least make your Investments get you second earning]
Ø Spending: If you buy things you don't need, you'll soon sell things you need.
Ø Savings: Don't save what is left after spending; Spend what is left after saving.
Ø Borrowings: The borrower becomes the lender's slave.
Ø Accounting: It's no use carrying an umbrella, if your shoes are leaking.
Ø Auditing: Beware of little expenses; A small leak can sink a large ship.
Ø Risk-taking: Never test the depth of the river with both feet. [Have an alternate plan ready]
Ø Investment: Don't put all your eggs in one basket.

I'm certain that those who have already been practicing these principles remain financially healthy.

I'm equally confident that those who resolve to start practicing these principles will quickly regain their financial health.



With Best Regards,
Warren Buffet

ane ngerti yang poin yang terakhir doank,"Investment: Don't put all your eggs in one basket" jadi maksudnya jangan tukerin sebuah telur sama bola basket *ajaran sesat. yang bener adalah "Jangan menaruh Semua Telur Dalam Satu Keranjang" nasehat ini mengajarkan kita untuk selalu berhati-hati. Jika Anda memiliki banyak telur, sebarlah telur-telur Anda dalam beberapa keranjang untuk memperkecil peluang pecahnya telur-telur Anda secara bersamaan.

Maksudnya, sebarlah atau bagilah investasi anda ke beberapa sektor, jika anda hanya fokus investasi di satu sektor saja maka resikonya lebih besar, kita tidak bisa menjamin bahwa itu aman 100%. Misalnya anda saat ini telah berinvestasi disektor property saja, sebaiknya anda juga berinvestasi di bisnis online, bursa saham, investasi emas, obligasi, reksadana, asuransi, komoditi, pertambangan, dll.

Mengapa ini sangat perlu dilakukan?

Jika suatu saat salah satu satu sektor investasi anda mengalami kerugian yang disebabkan suatu hal, maka anda tidak mengalami kerugian total, karena anda telah membagi investasi kebeberapa sektor sebelumnya. Itulah yang dimaksud “Jangan menaruh Semua Telur Dalam Satu Keranjang”