Traveller's Will

I would look into the following below, and consider these ratios before investing, as follows: 1. Valuations based on earnings such as P/E & P/B .  2. Dividend yields . Whilst its important for a company to have a higher amount of retained earnings reinvested into the business than to pay dividends eg. Berkshire Hathaway. But as a passive investor it is good to receive some of the profits as dividends. Rule of thumb is if it is safe to store money in the bank at an interest rate of 1.5%, therefore ideally you want to get a dividend yield of higher than the interest rate in term deposits or government bonds, for the extra risk to be worthwhile.  3. Net assets > Market capitalization to provide a margin of safety.  4. Only buy stocks which have a net assets multiple of under 1.5x.  5.Compare the Book value per share to the current share price.  6.  EV/EBITDA . Some use this ratio to measure, but others consider this irrelevant.  7. Current rati...

It was 2008, as I recalled my stock portfolio at the time was valued at around $20,000 AUD at the peak. Everything was going so well with my investments and I never made a stock loss since I started personally investing for myself in 2004 after graduating from business school. Every company I've picked as a stock investment was focused on banks, financial services, and some in the oil and gas sector. I was enthusiastic in participating in Initial Public Offerings (IPOs), every company I've picked was guaranteed that I was profiting and two most notable companies I made gains in was the then Tattersalls Group (a wagering company) and Goldman Fielder Limited (a wheat company spun-off from Burns Philp & Co.). Then by late 2008, came the fall of Lehman Bros, who filed for Chapter 11 bankruptcy. It was widely believed to be an impossible event to many, because it was of the world's largest investment banks and seen as an impossible event. I remember seeing it on the news i...

As I am inspired by the likes of Ray Dalio and Jim Rogers, I decided to document some of the principles that guided me and my experiences that had led me to where I am today. I have always reserved a strong belief that sharing information or general advice should be FREE , rather than like the paid "tainted" investment advice that phony financial advisers offer. In my previous life, I had the luxury to work with financial advisers so I know how they generally behave and act. During the 1980s, as a son to new immigrants in Australia and had the privilege to be born and raised in this gifted country. My parents were poor upon arrival and had nothing. They met and got married, and then had me the following year. Throughout my years from age 0 to 5, I was not taught the English language as my parents spoke their own language and taught me just that and even today, they are still very poor in the English language. I started to enter kindergarten at the age of 5 and only then ...

Boston, the capital city of the state of Massachusetts is on the east coast of  the United States (US). It is one of the oldest cities in the US, which played a historic and key role in America's revolution highlighted on its Freedom Trail (a must see trail when visiting the city). Here is a list of things to see while in Boston: Downtown Area: Freedom Trail Faneuil Hall Marketplace Boston Customs House Tower Boston Harbour Walk Acorn Street Boston Common, a public park opposite to the Boston Public Garden Boston Public Garden Boston Public Libray Copley Square Top of the Hub Restaurant in the Prudential Center, to get the highest views of all of Boston Chinatown Little Italy Cambridge Area : Cross the Longfellow Bridge Bunker Hill Monument Harvard Yard (or Harvard University) Massachusetts Institute of Technology (MIT) Brookline Area : Lots of restaurants and shops around the Coolidge area Harvard Medical School

1. Wenceslav Square (to get here, go to Metro station: A/C Muzeum or A Mustek) It is the iconic main city square in the New Town of Prague. The square is named after St. Wenceslas, the patron saint of Bohemia. 2. Old Town Square (close Metro station: A Staromestska) Old Town Square is one of the biggest congregation of tourists enjoying photography, chillspots to observe the surrounding architecture, or many eating al frescoes to choose from. Surrounding architectures includes: Rococo Kinsky Palace the Gothic Tyn Catheral and the Baroque St. Nicholas Church. 3. Charles Bridge (Metro station: A Staromestska) Commission by King Charles IV in 1357, Prague's most stunning bridge spans 16 arches and consists of 30 Baroque statues. Each day, painters, hot-dog vendors, and hordes of tourists are filled on this bridge which gets the best views of the Vltava River. 4. Prague Castle (Metro station: A Hradcanska) Prague Castle is one of the largest ancient castles i...

1. Visit the famous Tegallalang Rice Terrace I was here twice in the famous rice fields (Sept 2016 & April 2017). @travellerswill 2. Go to the Gunung Kawi Temple in Sebatu -Tegallalang, northeast of the famous Tegallalang Rice Terrace. Gunung Kawi Sebatu (April 2017). @travellerswill 3. Go to the Blanco Museum , in Campuhan, Ubud. Parking is free but entry fee is 80,000 rupiah per person. For more info, see: www.blancobali.com 4. Shop at the Ubud Markets 5. Go do yoga in Ubud 6. Go the popular  Monkey Forrest 7. Go to the Tegenungan Waterfall Tegenungan (April 2017). @travellerswill 8. Hike up Mt Batur for the sunrise View of Mt Batur from a distance (April 2017). @travellerswill

For specific locations of where these amazing dishes are found, click the link to for the exact location of the restaurants:   https://goo.gl/maps/ 5EAsM6AkcMC2 Honestly, when you get to Chiang Mai you must have a Kao Soy Chicken dish. Essentially, its a mild curry based dish with a chicken drumstick and some fried noodles with some green vegetables in it. The dish is only common in the northern part of Thailand around Chiang Mai. I highly recommend it. Kao Soy Chicken The next dish you must have is the Hainan Chicken dish. Hainan Chicken is a famous dish originated from Hainan Province in China and its a very common dish in southern China esp. in Guangdong and Hong Kong. It is also relatively common in Singapore and Malaysia amongst Chinese descendants esp. most are originated from the Southern Chinese provinces. I stumbled across this place in central Chiang Mai and the ethnic Chinese descendants from Thailand have a slightly different variation of the Hainan Chicken ...