Originally posted by Parka:

Investors typically want to see that you already have something in play already. Ideas are worthless if not executed well.

So if I'm an investor, why should I invest in you? Especially when you have nothing concrete to show? No ROI. No history or background on your partners and most importantly yourself.

Remember, to get something in value (investment in this case), you must give something of equal value (something concrete).

Thanks for the advice.

First of all, I would turn to my school for consultancy and initial support (as well as venture capital) to at least get incorporated and have my first sales. The university is fairly supportive of student enterprises. Then, depending on the growth of my business, I'll have subsequent rounds of investment from angel investors and possibly the government.

Would that be viable?

I'm going to turn 20 soon, but I made a list some months ago about my goals (already they are changing).

PERSONAL MISSION STATEMENT

1. Read more widely and frequently to improve my mind.
2. Eat well and exercise more regularly to promote health.
3. Be ultra-thrifty in my spending.
4. Obtain an international driver's license before graduation.
5. Master a new skill throughout university; sharpen my skills in martial arts, music and cooking.
6. Be more thought-driven and action-oriented.
7. Uphold integrity and not take quick-fix short cuts.
8. Keep all my friendships alive through genuine concern.
9. Listen intently to others; be more sensitive and objective in my thinking and expression.
10. Develop greater humility and not trivialise the attributes or achievements of others.
11. Obtain a 1st-class Honours degree.
12. Study or work in the United States of America.
13. Buy my first real estate property two years after graduation.
14. Start my first business by second year in university.
15. Work and invest my way to a 7-figure net worth by 30 years old.
16. Maintain a giant freshwater aquarium when I have my own house.
17. Love, respect and eventually marry my girlfriend.
18. Raise children who can think maturely and contribute meaningfully to society.
19. Travel to various nature and historical spots of the world.
20. Leave an enduring legacy.

I'm doing a research project for school and I would really, really appreciate your help if you can complete a survey. It's short and wouldn't take more than 1 minute.

http://www.surveymonkey.com/s.aspx?sm=eMTnW04AMQi4rXaGg_2femrA_3d_3d

Thank you so much! :)

Mine is "Savages" from Pocahontas; really love the fire and intensity!

http://www.youtube.com/watch?v=uCsOE_mL97U

Grab your cell, head to the inbox now and post your most recent text message. Mine is below.

From my girlfriend:

"amidst all the overwhelming workload, i hope that we'll still keep each other in mind and not distant ourselves away :)"

What's yours?

Originally posted by parn:

Girls no need to serve NS~ Hwahahahahahhaaha!!!!!!!!

I have a penis, and I don't need to serve national service either.

We have more choice of clothings and accessories than guys.

What's your point?

We smell better, looked better, and of course more desirable among the genders in the human race.

...

We're smarter, although not physically stronger. Like what Hillary Clinton said "The world would be a better place if it was run by Women".

Smarter my ass. I've seen too many stupid females; too much more than I've seen stupid males to be a matter of chance.

Although not all girls deserves a Minimum 30k ring, but some girls like me do get to demand a Minimum 30k ring.

Some people like to earn their property.

Guys cannot hate us, the hate they have towards us, the more desirable we are to them. Hate can be easily flipped over into Love if the guys are not careful of my Master Mind Games.

Some girls are the most hateful creatures on earth. They go to great lengths to express this hatred and don't feel remorse whatsoever.

Be afraid...be very afraid of someone they will never understand.

Girls no matter how plan she looks, will always be able to find a guy. But guys who are third-world ugly can always come up here to vent their frustrations on girls anonymously.

"Girls, no matter how plan [sic] she [sic] looks [sic], will always be able to find a guy"? Hahahahahahahahahahahahahaha!

Hmm.......?????? No wonder so many "rebels" in here.

Beyond?

Originally posted by Realazy Spaz:

So have you already thought of what you are going to do already?

Armed with my 30-page business plan, I've begun to woo potential investors.

Show us the executive summary of your business plan; we'll tell you if you qualify for funding.

I'm halfway through my business plan, which I will submit as proposal for funding schemes provided by my university. Still looking for a partner.

I've made several investments so far, for anyone who is interested:

1) Foreign currency fixed deposit.

2) Regional equity unit trust with low sales charge (2%).

3) Low interest-bearing savings account (negligible).

4) Awaiting Anwar Ibrahim's takeover of Malaysia and the subsequent stock market crash for stock-shopping opportunities! Fat hope though...

Originally posted by dinky1409:

I would say a "tuition agency". Your "office space" could be your laptop/computer. All it takes is a lot of "networking".

But I don't think its sustainable in the long run but it's an idea which you can explore. I have friends who is somewhere along this idea.

You connect parents who want tuition for their kids with your tutor "friends". You take the commision lor, one-time fees or something.

 

Some problems:

• It has a low barrier of entry and there could possibly be too many of such ideas out there.
• Too low an income.
• Too low a demand, too high a supply?

 

Just a suggestion for ya! Lols good luck..

What would be a possible sustainable competitive advantage, if I venture in this business? I'm still at a stage where I'm actively scouting for ideas, and if the idea is too technologically-oriented, I'd probably need to partner with my engineering/computing friends.

Originally posted by Spartans:

Investing allows you to reap a better financial reward in a shorter period of time provided that you have an acute sense of investment.

I'd rather work in my own business for $X than work in someone else's business for $10X; money is really not my primary objective. I can possibly earn more doing what my degree dictates I should be good at doing instead of owning a small unprofitable business. That being said, I'm also an amateur investor (to date I've invested my entire life savings, seriously).

Originally posted by codexboy:

you should show her more concern while still joining to assure her that nothing has changed in you, cause this is basically and issue over her insecurity

This seems to be the only applicable advice. Thank you, sir.

Hello. To summarise my predicament: I'm a freshman at university and I recently joined the university cheerleading squad. My girlfriend strongly opposes my participation on the grounds of "excessive physical contact" and that on the balance of probabilities, I'm more likely to enjoy the touching more than I dislike it. I responded by arguing that such physical contact is only part and parcel of an esteemed sport and represents or amounts to no intention on my part. She basically rolled her eyes.

I persisted in joining but assured her that nothing uncalled for was going to happen. However, it puts strain on our relationship and as much as I'd like to give in to her insecurities, I cannot forgo my newfound passion.

What would you have done?

Originally posted by Rednano:

go facial. pores big.

Any alternative ways to combat enlarged pores?

I always shave against the direction of growth using a razor. Does it matter?

Whenever I shave my upper lip, I shave it clean and leave no facial hair behind, but that always leaves a gray shade as opposed to skin colour. It looks like I never shaved from far. Any remedies?

I read two types of books, factual and inspirational.

Here are some recommended titles:

Factual - "Investing For Dummies" by Eric Tyson (great introductory book)

Inspirational - "A Million Bucks by 30" by Alan Corey, "How To Get Rich" by Donald Trump, "Warren Buffett Speaks" by Janet Lowe, "7 Habits of Highly Effective People" by Stephen Covey.

If you are looking for websites, you can try the following:

1) www.fool.com

2) www.investopedia.com

3) www.fundsupermart.com

These are some of the resources that I personally use and have found useful. Hope this helps. :)

Because they're less dependent upon their looks.

Rolex, Patek Philippe, Maurice Lacroix, Movado, IWC, Girard Perregaux, Audemars Piguet, Breitling, Breguet, Jaeger-leCoultre, Harry Winston, Zenith, etc.

Oh wait, I just saw your budget. Maybe a nice Stainless Steel Swatch would do. I wear one, it's pretty durable...

There's no such thing as "better chance"; it's obvious that financial success is dependent on the individual.

Go get it done in the Faculty of Dentistry of NUS.

Some students there are willing to do it for you free-of-charge!

How about investing in foreign currency?

Many banks in Singapore allow a fixed deposit of foreign currencies, with some accounts offering >5% interest p.a. (like the Australian Dollar), if I'm not wrong. Any reason for the discrepancy with interest rates of local currency F.D. accounts? Are there higher risks involved?

Also, if I deposit my money in foreign currency, I would derive my returns from two factors, yearly dividends and forex movements, am I right? I don't take economics in school; this I need to clarify for my own understanding.