Fair Investment, HOW?

Investment and speculation taken from Nikkentobi (Kaskus)
Do not get greedy, distinguish between Investment and speculation Sometimes it feels sad to see a lot of people who every time trapped "investment" (in quotes) is not correct, because they have not understood the true investment is like what. Investment, according to Benjamin Graham (Warren Buffet teacher), is
"An operation the which, upon thorough analysis, Promises safety of principal and an adequate return. Operations not meeting these requirements are speculative".

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In the above definition there are 3 important elements that make an investment: We must conduct in-depth analysis
What do you mean? This means we must learn data concerning our investments. Not just listen to people said. Learn if it really feasible investment model.
For example there is an offer invest cafe, try to ask friends who have a cafe. If not there, take a look at how the cafe in general surgery. Find insider info from the cafe employee if necessary, ask them how many hours per day, but ask for real data not just talk, continues to pack '. Calculate the estimated income, calculate the estimated costs (electricity expensive now!), Calculate the cost of rent, employees, depreciation of computers and others.

No investment capital if we lost and must collect more capital. We should try as much as possible to maintain our principal capital security
Our principal capital is the proverbial tree in our garden. If only the fruit was stolen, can bear fruit again next year. If such a branch dipatahin people, even disturbing, as long as the tree is still alive, we can still nikmatin fruit next year. But if the tree is collapsed?
It must be remembered, ALL of the investment there are risks. Even you buy Government Bonds or U.S. Treasury Bonds was still no risk, only if the risk is very small. So investment  meet people who say NO RISK, immediately go out alone, because it is already misleading, or even worse is trying to make our scam. We must try to achieve returns / gains "INAPPROPRIATE" / "WORTH" instead of "EXTRAORDINARY."

One of the main rules that we must always remember, whether we invest or speculation it is a "return proportionate to risk" or "profit is proportional to the risk."Low Risk to provide the level of return / profit is low. It offers a high risk high return rate.
There is no such thing as "Low Risk-High Return." Again if anyone nawarin things like this, immediately wrote lef, because if not misleading, it means even worse aka scam.
If you read the papers today, many of which offer a "dream" to play forex / options. His claim "Over 1100% profit in 1 day !!!!!" Is it a lie? Not really, it could be something like that, because I am also the player options and stocks. But the reality is not as beautiful as that. They never wrote that to a person who profits 1100% in 1 day it is, how many people who sold out all their capital? Even before the profit is 1100% or even afterwards, the person had income in? In an ad that focused on is that on one day, that person wins 1100%. And by buying a lottery we can also "win", thousands and thousands% instead.
So how does the level of profit "Eligible" / "Wonder"? That depends on many variables, too much to discuss all. But there is one method the easiest. If there are people who offered investment with a profit of 10% per month for example, even without taking account of compounding (interest bearing) it means that already 120% per year.
Well logically, if people were so confident with his project, why did not he wrote all his asset collateralize (house, car, etc.), if you need to borrow. Interest from bank loans in Indonesia was now dependent type most 13-14%. Still made 100 %++...
Even if people were pulling money using credit cards, which do not lose interest by loan sharks, it was only 48% a year, is still a profit of 72% a year! But these people even offer these investments to you, then you already have started to suspect there is a catch. So his analysis must be more profound. Better to ask than astray on the road, that's the word our parents.

Well problem faced, many people who do not know these things, then think they invest, but we did not realize that they were actually speculation, or even worse hit scam.
There is one important note that must be remembered, is not mean all bad speculation. As Benjamin Graham said:
"Just as there is intelligent investing, there's Also intelligent Speculation. But there are many Ways in the which Speculation May be unintelligent. Of these, the Foremost are: (1) speculating Pls you think you are investing, (2) speculating Seriously instead of as a pastime, Pls you lack the proper knowledge and skill for it "; and (3) risking more money in Speculation cans than you afford to lose"


Happy Investing!
----- NOTE ------

 It's NOT about how to "make you so USD 100 to USD 1 million." If you want to say, this thread is more inclined to "How can you NOT USD 1 million to USD 100."
The discussion in this thread will probably direct me to a discussion of: Investment (investment in general, how to construct a portfolio, what is a suitable investment instruments for each person, etc.) Speculation Financial Planning / Financial Planning SCAM (how to recognize something as a scam offer, etc.)
Focus on the above topics is because I am quite familiar with these topics. In addition, the views about business & how to run a business also vary between each person. However, if you simply exchange stories, not banned