some rants in Christmas day.....

I don't know much about investment:). I keep my money in saving...a very conventional way and I just realized that it does not give me any benefit. Even the bank rips off my money by keep charging administration fee. Furthermore, to make it worse, I found the money value here is getting decreasing and less worth comparing to few years back. For example....I found a shopping bills dated 2005, and the price of Nuvo soap bar was only IDR 875 and now it is IDR 1500...So, in the last four years the price has increased double but the income and saving almost stay the same... Luckily I don't adopt luscious life...Conclusion : If your intention is to be rich, saving won't make your money grow  and capitalism system is just bad! I love the idea of welfare state. We need this o prevent the riches ripping off our wealth. 

here I quote some good info from noefiman.com; Dalam berinvestasi, inilah saatnya untuk kembali fokus kepada aspek fundamental. Saya sendiri menyukai perusahaan yang rutin membayar dividen dan jumlahnya cukup menarik. Fokus pada perusahaan dengan net profit margin bagus dan rasio utang yang rendah karena mereka lebih kebal terhadap goyangan krisis. Ada cukup banyak emiten yang koreksinya sudah cukup lumayan.

Prioritaskan pilihan Anda untuk saham di LQ45 karena lebih likuid. Bila ada emiten yang hendak melakukan buyback dan tender offer mungkin bisa dipertimbangkan. Banyak emiten bagus dengan price-earning ratio rendah dan book value yang masih cukup murah. Jauhi perusahaan yang hendak melakukan aksi korporat yang “aneh” seperti stock split, right issue, penerbitan obligasi, atau menambah utang.