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Financial 101? Get financial knowledge and use it. Free lunch? Forget it.

financial knowledge

Financial 101? Get financial knowledge and use it. Free lunch? Forget it.

When we want to do anything, go get the knowledge. Finance 101? Property investment? Stock Investment? Go read more lah. it’s not as hard as we think these days. If it was in 2002, it was much harder. At the time, I did not have much information online to read for property investment. Use the knowledge we gained towards achieving our goal(s). Nothing is free in this world, except probably air. Even water is now expensive…

Here are a few FREE stuffs which we always see being advertised. By the way, the speaker has to pay to market the FREE course in Facebook yeah. I am not sure how many people love to do something for free for strangers and yet have to pay to market the free course?

When thousands of his / her students are earning hundreds of thousands…

As we browse through our Facebook or when we are listening to some songs on Youtube, we may be suddenly be shown a video of someone who looks very successful. He / She is very confident. He / She shared that he / she has helped hundreds of thousands of people succeed and they are now earning millions of (any currency).

Now… he / she wants you to also earn hundreds of thousands (of the currency you like) by joining his / her course too.

Two things come to mind. If he / she is so successful and has helped thousands of people to succeed, does he / she need to advertise his service? Logically, if I am his student and I managed to earn hundred of thousands, I would recommend my best friend, my good friend and all my family members to him / her.

Why would I want to be earning hundreds of thousands and all my loved ones still remain poor?

Of course, nothing is free, remember?

The reason why he / she is sharing is because he / she wants you to pay for the learning fee if you like to learn more. If he is going to teach you how to earn big money, we should pay him small money, right? Yes, we should. If I teach you selling skills, you should pay me too because you can use those skills to help you earn more money. I do not run any selling courses though.

Just need to remember this sharing session is to learn what he / she knows because he / she has the experience and it is NOT to buy what he / she is proposing. Usually, to have a more in-depth sharing, then some fees would be payable. This is because nothing is free yeah. The speaker would still need money to pay for a cup of coffee and slice of cheesecake too.

Great investments do not just appear one time

Just remember that most investments in this world today will continue to be available. The reason? If we bought shares in a company which is selling lots of phones, does it stop selling lots of phones after this year? If it does, then why are we buying the counter?

If we bought a company which produces planes, does it stop producing planes in the future? Of course, if we bought into a company producing something which went obsolete, then yeah, it may just be a bad purchase and we may lose money because we invested into it.

If we bought a property and it should increase in price next year, does it stop increasing in price after next year? If it only increases in price for one year, I am not so sure if it is a good property to buy yeah. Just remember that inflation will always be around and it will continue to help increasing anything related to price…

If it’s very limited in quantity and it’s a must-buy

Remember, if this property is limited in quantity (say last 10 units) and is a must-buy, then the seller’s best friend, good friend and family members alone would have purchased all of it. There’s little chance that it will be offered to a stranger.

Buy because it’s undervalued versus similar properties. Do not buy just because it was the last 10 units. Two very different scenarios. Do due diligence and suddenly we would realise why it’s a buy or not a buy. When we know enough, our decision will be better.

Read good books, follow great people on twitter, keep learning

Some authors (he / she) have done lots of research, thus his sharing via a book is a gem. Some people gained a lot through his working experience. The sharing is thus a must-read because reading one book meant that we do not need to have the same number of years of experience to gain the same experience. Some people may just be sharing because he likes to write. Haha.

This includes too. There are no property listings yeah. No courses to sign up yeah. Last but not least, the founder hates speculative buys and prefers investing and not gambling. Happy understanding.

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Next suggested article: With the lockdown over, is it now time for the property market to recover?

Header Image by Nattanan Kanchanaprat from Pixabay

Property Investment always start with knowledge. Equip ourselves with more here.

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Charles Tan The Founder The Writer Kopiandproperty
Charles Tan

Charles is Founder of He writes from his investment experience for the the past 20 years in investments including property, stock, unit trust and more as well as readings and conversations with many property gurus in the industry. is an independent property blog which is not affiliated to any media company, property developer or even real estate agencies.

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