Billionaire_Bunny: 2020

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Friday, December 25, 2020

New Year 2021 Resolution (My Personal Plan & Goal for the Year)

Merry Christmas and Happy New Year, Everyone!! It is now the year 2021, and I hope this year will be better than the previous one. I hope this year will be great for all of us. I am glad that I was able to go through 2020 without any significant problems. I had stuck with my financial plan, such as saving and investing every month. Even though 2020 was not a great year since we faced Covid-19 Pandemic, and the problem is not yet solved, my portfolio has performed pretty decent. 
 
2021 is a new year for all of us, which is the time to start something new. I realized that I am getting older every year, and I want every beginning of the year to begin with a New Year resolution. I want to have a goal that I want to achieve something for this new beginning. In this article, I would like to share my goal and plan for this fresh start to the year. I will also explain my career and business plan to increase my income and what I'm going to do with my stock portfolio investment. 
 

Wednesday, December 16, 2020

Why You Should Ignore Market Noise When Investing in the Stock Market

The stock market is always reacting to recent market news. The price of stocks can go up and down every single day from current news that’s happening. Warren Buffett famously said that like dieting, successful investing is far easier to understand than to accomplish. This is because it requires discipline. However, many investors did not realize that they are always affected by market news from various outlets. They are impacted by the market noises that are happening in the stock market. Market noise has become appreciably louder for most consumers since the internet has become widely available. 

If you are still new to the stock investing world, you need to read this article. Many amateur investors fall into this market noise trap. In this blog content, I will explain what market noise is and what causes the market noise to occur? Lastly, investors should ignore it and use this market fluctuation to their advantage when investing in the stock market.  

 

Thursday, December 10, 2020

Why Living in Indonesia is an Advantage for Me to Build Wealth

Jakarta, Indonesia, is my hometown. This is the country where I was born. However, I was mostly overseas, living in Singapore and the United States when I was young. It was a privilege for me to receive my education from developed countries. If it wasn't because of my father working hard, I wouldn't get this kind of opportunity.

After graduating from San Francisco State University with a finance major, I decided to move back to Jakarta, Indonesia, to pursue my career. I did regret coming back too soon since I wasn't making the kind of income I was hoping for. I should have tried to apply for a job in the United States after graduating from university.

 

It has been almost 8 years since I moved back to Jakarta, Indonesia. I did think about how my life would be if I had stayed in the United States instead of moving back to Jakarta, Indonesia. I know I could have earned and accumulated wealth if I had a decent paying job in the United States. However, after doing some critical thinking and comparison, I concluded that deciding to move back to Jakarta was the right thing for me to do.

 

I know working in my father's company doesn't generate much income for me. I could have made a better wage if I was working in the United States. However, I believe living in Jakarta, Indonesia has its own advantage for me. Despite earning a meager income, living in Jakarta, Indonesia, is still perfect for building my own personal wealth. In this article, I will explain why living in Jakarta, Indonesia is excellent for me to build my own personal wealth. Moreover, I'll explain why moving back to my hometown is the right thing for me to do.

 

Sunday, December 6, 2020

The Janitor Who Became a Multi-Millionaire By Retirement

We always portray someone who is a multi-millionaire to have lavish lifestyles. Usually, we think they live in a big mansion, drives a nice sports car, and own many other expensive things. Moreover, we often believe that to become a multi-millionaire, you need to have a high-paying job such as becoming a CEO, Doctor, or Lawyer.

I was also naïve when I was still young. I always thought that to become a multi-millionaire, you need to make a lot of money. However, did you know that to become a multi-millionaire does not require many of these traits? You will be surprised to find out that you do not need to earn a massive paycheck to become a millionaire. In this article, I want to tell the story of a Vermont-based janitor and gas station attendant name Ronald Read who secretly amassed multi-million-dollar wealth. I will explain how he did it and how we can apply it in our life as well.

Sunday, November 22, 2020

Altria's Safe and Growing 8.5% Dividend Yield is a Great Investment Now

Altria Group Inc. (Ticker: MO) has been a stock that I have been monitoring for quite some time. I have stocks of this company in my dividend growth portfolio. Suppose you have no idea what Altria is all about. In that case, this company is an American company that is one of the world's largest producers and marketers of tobacco, cigarettes, and related products. I did a stock analysis report on this company that I have posted in this blog. When I wrote that report, its stock was trading at a $50 to $55 range. The company is recently trading in the $39 to $41 range as of (November 11, 2020). I have incurred unrealized loss for holding this company in my portfolio; however, this does not stop me from believing in this company.
 
The current price of this company is trading at now caught my attention. Altria offers investors an incredible 8.5% dividend yield at the current price. This stock has the potential for even more significant capital gains and total shareholder returns if valuations normalize. It is a strong investment opportunity, and recent price weakness presents a compelling entry point for new investors to enter. This blog post will explain why Altria Group Inc. (Ticker: MO) is an outstanding stock to invest in now. I love the high dividend yield this stock provides, and it can be an opportunity for new investors to enter. Moreover, I will also share the risk factors of investing in this company. 
 

Tuesday, November 17, 2020

How I Became a Millionaire by the Age of Thirty

I have become a millionaire by the age of thirty. Yes, you read it right, a Millionaire! I am delighted and content about this achievement since I actually made it without asking my dad for more capital. In total, my dad only let me inherited 
$200,000 for my U.S. portfolio and approximately about $150,000 for my Indonesian portfolio. So technically, I started with a total of $350,000 that was given by my dad. It's indeed a large amount of money that was given to me. However, I grew it to over a million dollars with living below my mean and being consistent and disciplined, investing in the stock market.
 
I'm thrilled that I could become a millionaire with the low wage I'm getting for working in my dad's company. Each month, I receive Rp25,000,000 for my paycheck. That's approximately about $1,778 if converted to U.S. dollar (November 17, 2020). The amount can still fluctuate since the currencies always change every trading day. My wage is considered a lot in Indonesia; however, if you compare it with the United States wage, it's really low.
 
Despite my low income, I was able to become a millionaire by the age of thirty. I believe anyone out there can also become a millionaire if they are willing to learn and manage their personal finance well. Becoming a millionaire is not as hard as you think it is. Anyone can achieve it if they put the work and dedication to it. In this article, I will share what I did to reach millionaire status by thirty. Most of my personal wealth is invested in the stock market; I will show my assets. Moreover, I will explain how you can do it too.
 

Why Did Warren Buffett Invest Heavily in Coca-Cola in the Late 1980s?

I have been a fan of Warren Buffett since the beginning of my investment journey. I knew about Warren Buffett from my older brother, Peter Bun. My brother was the one that introduces Warren Buffett to me. Warren Buffett was someone I idolized. I was amazed by his investment skills that led him to become the world's legendary stock investor. He was not only one of the wealthiest people in the world but also a great teacher. Warren Buffett wasn't stingy about his investment techniques and liked to share how he did it to the public.
 
His success made me interested in following his teachings and the advice he tells the public. I like how Warren Buffett picks his investment. He always chooses companies that are very easy to understand but has a great business. One of the most significant investments that led him to become wealthy was Coca-Cola Inc. (Ticker: KO). This purchase was made back in the 1980s and was one of his top holding in Berkshire Hathaway's portfolio. He bought more than $1 billion of Coca-Cola Inc. shares in 1988, equivalent to 6.2% of the company. This turned out to be one of Berkshire's most lucrative investments.
 
Even today, Warren Buffett still holds Coca-Cola Inc. stocks in the Berkshire Hathaway portfolio. He didn't sell it and planned to hold it for a long time. Coca-Cola Inc.'s stock price has increased in value since his purchase in the 1980s. Warren Buffett had become wealthy because of making this smart investment pick. Because of this success, it made me curious about why he decided to invest in Coca-Cola Inc. in 1987. I decided to research as to why he did it and how I can use this as an example for my next investment purchase. I will explain why Warren Buffett decided to invest most of Berkshire Hathaway's cash balance in Coca-Cola Inc in this post. This post content will demonstrate and teach you guys how we can replicate Warren Buffett's investment ideology. 
 

Friday, November 13, 2020

Want to Learn about Stock Investing & Build Wealth: 9 Reasons Why You Should Buy My Book that I'm Soon Going to Release

I have been a dividend growth investor for quite some time already. It has been a few years since I have started the portfolio and this blog. If you readers have been following my blog, you probably know that I have done pretty well in stock investing. Through discipline saving and investing, I became a millionaire on my own (not dad's wealth) at the age of thirty. I do not acquire any debt in my life and have built my personal wealth just from living below my mean and religiously investing most of my income. Moreover, I didn't reach millionaire status because I have a high-income paying job, but from managing my personal finance really well and always investing my money in the stock market.

Because I felt I made a tremendous financial achievement at the age of thirty, I felt that I wanted to share the knowledge and information with the world. I felt that many people out there are not managing their personal finance wisely and have no plan at all for their retirement. During my free time, I wrote my own book about building wealth through dividend growth investing & creating new income streams. The book's title is called "Snowball from Zero," but this is still a prototype, and changes might be applied.

I have not finished writing the book yet, but I am currently halfway through writing. So far, I have written approximately close to fifty pages, and believe I still have many things I want to write. I have designed the book front and back cover, but I might still want to edit it. My goal is to have the book finish written by the end of 2021. Hopefully, I can finish writing and have it published at that time.

The book I'm currently working on is intended for the people out there to learn basic building wealth through dividend growth investing. Moreover, it also teaches people new ways of creating a new stream of income. I really believe that the book I plan to have published is excellent for anyone curious about building wealth and stock investing. It is great for beginners and someone who already has some understanding.
 
I am really confident the book I am currently working on can help people learn the things I'm already implementing in my life. Whatever I am covering in my book is the knowledge and experience I have gone through to create the personal wealth I have right now. Yes, I have received quite a large sum of starting capital from my dad from investing in the stock market; however, I believe this book can help anyone out there start building wealth starting from zero. I want to be able to help others reach the financial freedom that many dreams of. Also, there are many things that the book covers, creating new sources of alternative income. Some of these methods are things I am also currently working on in my life. It might not pay much money now; but, I will explain the potential revenue from working on these side projects.  
 
Once I finished writing the book, I am planning to have it publish and sold. I am not planning to price it at a high price, but at a meager and affordable price. I don't want to make a lot of money from selling this book because my real intention is for people to learn how to build wealth through stock investing. Also, I want people to know and learn about the side-projects I am working on that can potentially make me a good income aside from working in my dad's company. In this blog post, I want to explain why purchasing my book is beneficial for readers out there to learn about building wealth and stock investing. Moreover, the book also covers the things you can do to create a new stream of income. Buying my book is value for the money, and it is something you should not avoid before starting investing in the stock market.

Wednesday, November 11, 2020

Recent Stock Purchase [Pfizer Inc. (PFE)]: I’m Adding More Shares of this Company

The stock market has rallied after the presidential election between Trump and Biden. My portfolio holdings have increased by quite a fair amount. Today, November 11, 2020, I decided to monitor and analyze my portfolio during my free time. I was reading an article content made by 
Chris Lee Susanto about his investment holding. I realized he is betting quite a large amount of his money in Pfizer Inc. (Ticker: PFE).
 
After analyzing Chris Lee’s portfolio, I decided to sell some of my winners from my portfolio. I wanted to purchase more of Pfizer Inc. shares because I feel really confident about this investment. Because I needed more capital to invest, I decided to let go of some of my Buckle Inc. (Ticker: BKE) position from my portfolio. 
 
With the money I receive from selling the stock, I decided to purchase more of Pfizer Inc. (Ticker: PFE) company share. I have spent some time analyzing this investment decision since I am betting more of my money into Pfizer Inc. stock. If you want to understand why Pfizer Inc. is a great investment, I have written an article about it in this blog.
 
As a host of this blog, I want my readers and followers to be informed of whatever decision I am making. I hope this article can be useful for you guys. This post is to announce my recent transaction for readers out there to be informed. I am going to give my reasoning as to why I am doing it.
 

Monday, November 9, 2020

Why Bitcoin Cryptocurrency is a Bad Investment: 5 Reasons Why You Shouldn’t Invest in it

I am pretty sure that people out there have heard about Bitcoin. Some even went to purchase Bitcoin as an investment. They believe that Bitcoin will keep increasing in value because of its limited supply. 

If you have no clue what bitcoin is, I am here to explain it to you. Bitcoin is a digital currency created in January 2009. Bitcoin offers the promise of lower transaction fees than traditional online payment mechanisms and is operated by a decentralized authority, unlike government-issued currencies.

Bitcoin has indeed increased in price these past several years. Some even made a fortune investing early into Bitcoin. Fearing of missing out, many people invest their life savings into Bitcoin. I have many friends who believe in Bitcoin and have invested their money in it.
 
I am not against blockchain technology that is a decentralized ledger of all transactions across a peer-to-peer network. I believe that blockchain technology is a great invention. Using this technology, participants can confirm transactions without a need for a central clearing authority. However, I am against investing my money into Bitcoin. This article will cover the reasons why Bitcoin is a bad investment and why you should avoid investing in it. Bitcoin does not have any intrinsic value to it, and it is just a hype where many investors decided to invest in it. 
 

Sunday, November 8, 2020

Why I Don't Day Trade or Try to Time the Market

There are many ways how you can make money in the stock market. One method is to day trade. Day trading and investing for the long term are both viable forms of securities trading, and many traders opt to do both. Day trading involves making trades that last for seconds or minutes, taking advantage of the short-term fluctuation in a stock's price. With day trading, all positions are opened and closed within the same day.

Many of my friends have asked me why I do not day trade. You can make money by day trading; however, this method of making money in the stock market is something I dislike and do not pursue in doing. I used to try learning how to day trade. When I was still a beginner in investing in the stock market, I tried doing some day trading when I was still studying in the United States. It might seem easy and fun; however, it is actually pretty tricky and stressful.

 

This is why I decided to do value investing as a method to make money in the stock market. I believe that investing in the stock market for the long term suits me more than day trade. I want to explain why I decide to not day trade or time the market and choose long term value investing. I believe investing in the stock market for the long term is more beneficial and also more profitable.

 

Saturday, November 7, 2020

Why I'm living Below My Mean (Frugally) Despite My Wealth

Readers who have been following this blog probably know about my frugal behavior in spending money. Even though I come from a well to do family, I am still living a life below my mean. I believe in creating my own personal wealth of my own since I want to feel its challenge.
 
It has been almost seven years since I moved back to Jakarta, Indonesia, and working in my dad’s company. I started with a decent salary since working for him; however, I have not received a single raise yet. I am not complaining about it since I am only working part-time for him. In fact, I believe I am more of a freelancer in the company but still receive a monthly wage.
 
I am really fortunate and blessed to have this kind of privilege since many people out there don’t have a job. Even though my wage is quite low if comparing it with workers from the United States, my monthly wage is considered pretty good in my country.
 
Since the first day I start working with my dad, I have been very conservative with the way I spend my income. I was living very frugally back then to save up 80% of my monthly wage. However, I am now saving about 60% of my monthly wage and spending 40% of it for everyday use.
 
Many people are confused about why I am living frugally, even when I am considered wealthy. I have many friends who complain about my spending habit and think that I am overdoing it. In this article, I am going to explain why I am living below my mean. Living a life unlike many others, will eventually result in me to having a life without any financial worries in the future. I hope the things I am doing can make my parents proud of me.
 

Monday, November 2, 2020

Why is Budgeting Essential? 6 Reasons You Need a Budget

Are you curious about where your paychecks are going? Do you know how much you are spending every month? If you do not know the answer to these questions means you do not have a budget. It can be frustrating when you have no clue where your money is going.
 
A budget is an estimation of revenue and expense over a specified future period of time and is usually compiled and re-evaluated periodically. Budgets can be made for a person, a family, a group of people, a business, or about anything else that makes and spends money.
 
Budgeting might sound lame; however, this is an essential step to building wealth. Making a budget is the most important thing you can do to manage your money. You may probably associate budgeting with restrictions and a lot of hassle and headaches. However, budgeting is essential because it is a way for someone to stay organized with their money. Most wealthy people became wealthy because they have a budget they stick to. That is how they stay on top of their money.
 
I always have a budget for how much I can spend each month. Without a budget, I cannot keep track of my spending. This can lead to overspending and mishandle my money. Moreover, I will not build the wealth I have right now if it was not for budgeting. If you are one of those who never do a budget before, I will explain why budgeting is essential. Budgeting is a crucial step for someone who wants to build wealth, and it is something not to be ignored.
 

4 Reasons Why My Dad Bought Used Luxury Yachts Instead of Brand New

Owning a yacht is the favorite rich toys. Studies have shown that the world's super-rich spend nearly $22 billion on yachts every year. Owning a yacht is not for everybody; it requires the individual to be wealthy and to be able to afford to upkeep them. A yacht is treated as a liability that drains so much money from your pocket just to maintain them. However, many wealthy people love them. It's like a status symbol of success at a different level. It's not like buying a Lamborghini or Ferrari. Owning a yacht is another level of wealth and achievement.

My dad always dreams of owning his private yacht, but he still delay his gratification to wait until he is financially stable before purchasing one. I, too, was the same as him; he felt that owning a yacht is a symbol of accomplishment. In 2013, our dream came true. My dad finally decided to celebrate his success in his business career and my graduation from a bachelor's degree in finance by buying two pre-owned yachts.

My dad and I decided not to purchase a new one but instead to buy that are used. I was the one that look for great deals on the internet so that my dad gets a bargain for his first luxury yachts purchase. We end up buying an Azimut 80 and Sun Seeker 74 yacht that was manufactured in the year 2003. Both yachts were about ten years old when we purchased them, but there were so many benefits of buying them used rather than new. In this article, I would like to share the reason why my dad and I decided to purchase used ones and not brand new.   

8 Reasons You Should Start a Blog

Twenty years ago, a blog did not exist. Today, there are more than 500 million of them. With the rise of social media and influencer culture, it seems like blogging has reached its peak. Blogging is fast becoming the quickest way to express yourself online. Moreover, it is a great way to meet people who have the same interest niche.
 
I decided to become a blogger for "Billionaire Bunny" because of the many benefits it comes with. Even though 'blogging' has hit it big, most people do not get what makes blogging so powerful, helpful, and beneficial.
 
At the beginning of my blogging career, I did not know the benefits blogging has. It was until I started the journey of blogging, I found the benefits it comes with. You'll be surprised by the benefits if you start your own blog now. In this article, I would like to share the benefits of having your own personal blog and why it is essential for your career and business.

Friday, October 30, 2020

The Rise of Fake Gurus and the Trap People Fall Into

We all want to be rich, get a fancy sports car, and live in a luxury mansion. It is on everyone's wish list in their life. However, most of us do not come from a wealthy family or have a high paying job. We are stuck in a job that we probably dislike and suffering from an endless nine-to-five rat race. Because of wanting to find a solution to becoming wealthy, we often lured to an advertisement video content of how some gurus became wealthy. I am sure you have seen them before. It is usually someone telling you how they can transform your life through their so-called 'secret' business opportunity or the 10-step mastermind course. You will usually see these gurus driving that nice sports car or the mansion they live in.

I encounter these video ads when I am browsing videos on YouTube or scrolling through my Instagram App on my iPhone. As someone who also wants to achieve financial freedom, I want to learn the secret formula to become rich quickly. However, the truth is that to succeed in life financially is not as easy as you think. These gurus' campaigns that you usually see on the Internet are not telling the whole truth and only want to make money from you by purchasing their expensive course.

 

Many people out there fell to these traps; it makes me want to write an article on this topic. I want to inform readers about these gurus that claim to have the secret formula to becoming rich. In this article, I will explain why these gurus are fake and only wants your money. Signing up for their course will not teach you how to be rich, and you will only regret paying a large sum amount of money for information that can be found for free.  

Thursday, October 22, 2020

Why Pfizer Stock is a Great Buy Now

As an investor, I have been looking around the stock market for stocks that pays out dividends and great value. I came across this company called Pfizer Inc. (Ticker: PFE) when I found out about a close friend of mine who is a 
value investor mentor, Chris Lee Susanto, who has invested in Pfizer Inc. as one of his stock position in his portfolio. I was attracted to this company because it was a stock that pays out dividends, but its price was trading at an attractive valuation.

Anyways, if you readers haven't heard of Pfizer Inc. (Ticker: PFE), let me introduce you to this company profile. Pfizer Inc. is an American multinational pharmaceutical corporation headquartered in New York City. In 2012, it was one of the world's largest pharmaceutical companies and ranked 57 on the 2018 Fortune 500 list of the largest United States corporations by total revenue.
 
Seeing my friend invested in this company had made me curious about the company. I decided to research my own on Pfizer Inc. and became interested in investing in it for my dividend growth portfolio. Pfizer Inc. stock has dropped 15% and climbed back to the price it was a quarter ago. It's currently trading at $37.20 (as of October 22, 2020) and yields 4.02%. 
 
After researching on my own on Pfizer Inc., I believe that this company has a potential upside. It was, of course, trading at a valuation that is attractive for many value investors. In this article, I would explain why Pfizer Inc. is an outstanding dividend growth stock currently trading at an excellent price for investors to buy. Moreover, Pfizer Inc. is a great company to invest in with or without a Covid-19 vaccine. This reason had led me to place Pfizer Inc. as my second-largest position in my stock portfolio. 

Monday, October 19, 2020

Benefits of Writing Your Own Book as an Entrepreneur

As an entrepreneur, I have been pretty ambitious to working many side hustles of my own. I have many ideas that I can one day monetize. One of the side hustle I am working on is actually writing a book about personal finance and stock investing. I have been writing this book during my spare time from working in my dad's company. It is currently not finished yet at the moment, but I have written close to forty-five pages so far.

I have zero experience and knowledge of becoming a book author. I do not expect for it to become successful at all. I enjoy working on this since it can be a great time to express the knowledge and experience to others out there. I already planned a mindset not to be discouraged if it does not succeed. I will be happy enough if people out there are willing to read the things I wrote. I hope the book I am currently working on can somehow help people out there.

 

I know readers probably think that writing a book of my own is a waste of time, and it is not easy to be monetized. A typical book author barely makes more than minimum wage. You receive an advance and 10% royalties on net profit from each book. If your book retails at $25 per copy, you would need to sell at least 4,000 copies just to break even on the $5,000 advance. 

 

 Yes, indeed, publishing a book is not an easy task. However, this does not stop me from working on it. I think there are many benefits to having a written book of your own. This is why I decided to write this article in regards to my own curiosity and a topic that I would like to share in this blog. From my research, I learned that writing your own book can make you some money on the side and come with many beneficial factors on the side. 

Monday, October 12, 2020

My Retirement Plan as of October 2020

It has been five years since I manage my own stock investment portfolio. When my older brother and I decided to split, our portfolio was in October 2015. I started with 
$400,000 capital when I started managing my own portfolio. Moreover, I have been contributing money ($2000/month) in the portfolio every month. Now, my portfolio is valued at $810,000 (As of October 12, 2020). That's a CAGR of 10% every year since October 2015. If I compare my portfolio performance to the S&P 500 performance, I actually underperform the market. I made many bad investment decisions during my journey; however, I learned from it. I hope for the future; I can make better decisions in investing.

New Year's, it's about to come soon. It's going to be in 2021 soon. I'm going to grow older, but I am still committed to my financial plan toward financial independence. Even though my portfolio has grown in value over the years, I think it is still far from the goal I want to achieve. I still want to keep working on my portfolios for another 15 years ahead before I start enjoying the passive income the portfolio will generate for me.

Monday, February 17, 2020

How to Promote & Market Your Blog - 8 Fundamental Steps

There are countless reasons why someone starts blogging. Some start as a hobby and some do it for a living. With a blog, you can expand your networking opportunities with professional peers. Through a blog, you can establish their expertise and extend their online reach. I personally have started blogging as a side gig aside working in my dad’s company. Writing financial related contents for my blog can be a fun lifestyle that can potentially increase my alternative income. I’ve started my finance blog that you are reading right now since 2015. However, I was not really active in writing content for my blog for several years. It was just after this year, I started to put more time into it. I hope the contents I wrote can be beneficial for readers as well as helping me improve to become a better investor and businessman. Creating a blog is an easy matter that anyone can do. The challenge is being able to get your blog known by others on the internet. There’s no point of having a blog that’s beautifully made and has interesting content, but having no one coming into your blog. Promoting and Marketing your blog is a crucial step to become a successful blogger. By promoting and marketing your blog the right way can expose your content to broader audiences, which could lead to business and career opportunities. I am personally is still working my way to figure out how I can promote and market my blog. This led me to do more research on the internet so that I can be good at it. In this article, I would like to share the information and knowledge I learned and the experience I undergo to promote and market my blog.