As a conservative money manager, I'm disciplined enough to keep the debt to asset ratio low.

Leveraging to me, is a luxury for modern people.
It's too convenient now for you to get things you want by using your future money.

Everything that's luxurious comes with a cost.

The question is not only about "What if you can't earn that much of money in future?"
It's also about "What is the opportunity you lose when you decide to sign a 5 years borrowing contract with the bank?"

What I can see is a big loophole.
There must be people who are taking advantage of this.
When there's a depreciation in someone's asset, there's an appreciation on the other side.

While my defensive portfolio is done, the hardest part now is to get to the attacking front.

For eight months, I have been speculating.
Investing was never a word for me as I believed that professional gambling could make a way out of the disorder.

It's until the moment I read about Warren Buffet's writing.
As the world greatest investor, I'm not only inspired by his performance but also his breadth of wisdom.

His words provide me a new perspective to see investment in a total different way.

He observes, he analyzes, he reasons, he judges and he acts like a businessman.
There's nothing more fundamentally true than this.

We don't go to the stock market to trade for a commodity.
It's a real business we're buying and for sure, we want to get the best business at a good price.

Ever since then, investing is no longer an easy task as to follow the technical signal.

To be a good investor, you have to be a good businessman.
It'll be a lifelong journey for me.