[English Writing] Sometimes the best things to do is wait

Almost always – in life, and in investing – action is viewed as uncompromisingly good. Act, move, change, jump, buy, BUY! – If you’re not doing something, you’re wasting time. And, of course, time is money… and thus the imperative to act, now and fast and frequently.

And taking action with your money is often the best thing to do. I’ve talked before about how sometimes doing nothing – if that’s the default option – is the worst thing you can do. And I’ve also shown how not being invested in shares during certain times can be lethal to your returns.

But sometimes, sitting still is better. As Jim Rogers says, there are times – like when you’re coming off a big market victory and are flush with confidence – when doing nothing in the market is the better option. These are five reasons to wait for the right time.

Five reasons to wait

Cash is good. Everyone would be smart to have more cash in their portfolio. Yes, it doesn’t pay much, its value erodes over time (due to inflation), and if you lose it (or put it through the washing machine), it’s gone forever. But, over the short term – like the next year or so – the value of your cash stays constant (as long as you’re not in Venezuela or, not long ago, Zimbabwe). And the value of your cash won’t change if markets crash.

Holding cash is one of the easiest ways to hedges your portfolio. Hedging helps reduce investment losses when your investmant strategy doesn’t work out as planned.

And cash represents buying potentioal. It’s there when you need to spend it. Plus, when markets fall, the buying power of cash increases. You can now buy more shares than you could the day or week before.

You can’t explain it with a crayon. Sometimes simple is best – especially in investing. When you buy stock in a company, you’re buying shares – or, literally, a portion of the company. You’re a partner in the company. Would you become a partner in a business that you didn’t understand?

“Never invest in any idea you can’t illustrate with a crayon”, legendary investor Peter Lynch said.

One way to tell if you’re in over your head is to see if you can explain the business of a company using a few crayons and a piece of paper. Most things worth understanding can be explained using the tools of the trade of a five-year-old. That’s why anything you should pass the crayon test.

And if it doesn’t? Wait until something that does come along.

You don’t see “money lying in  the corner.”  Jim Rogers once explained his approach to investing this way: “I just wait until there is money lying in the corner, and all I have to do is go over there and pick it up. I do nothing in the meantime.” What he means is that when obvious investment opportunities come up, he takes advantage of them – it’s like seeing money lying in the corner just waiting to be pciked up.

But if there are not obvious investment opportunities, you should follow Jim’s advice and “do nothing” in the meantime.

Otherwise, you have not any cash on hand when an obvious opportunity does come up… and it will just stay there for someone else to pick up.

You think it might be a value trap. The perfect stock  to buy is one that’s very cheap – and which appreciates steadily over time as the valuation becomes less cheap, and/or as the company grows. That’s not as straightforward as it might sound.

(A cheap stock is one that trades at a value level – for example, a price-to-earnings ratio or price-to-book value – that is low, compared to the market as a whole, the sector, or a stock’s historical levels. Whether or not a stock is cheap has nothing to do with the absolute price of stock. Shares that trade for hundreds of dollars can be very cheap – and a $3 share could be very expensive.)

There are a lot of ingredients to a stock’s valuation – and reasons why a cheap stock might be a value trap, and not be as cheap as its valuation suggests. Bad management, poor use of investment capital, assets that are delievering lower returns and a company operating in a sector that’s in a long-term decline are just a few of these reasons.

A value trap can stop being a value trap – and become an attractive, under-valued investment – if there’s a trigger for change. A change in management, a big change in the industry, higher commodity prices, r regulatory change – all of these things can turn a value trap into a great investment. But until there is, they’ll continue to be value traps and you should … just wait.

Waiting unlocks the power of compounding. Some investments are fast and fun. You buy an exciting tech stock and it rockets higher in a few months. But most profitbale investment are slow…steady and dull … and require a lot of waiting – not to make the investment, but instead, once you’ve made it.

And that’s all right, because time is the key ingredient of the most powerful force in finance: compound interest.

Here’s how compounding works …you invest a sum of money that generates a steady return. But instead of taking that return and spending it, you reinvested it by buying more of the orginal investment. The next year both the original investment and the reinvested interest will earn interest, which you again reinvest.

With compounding, your original investment is growing in size due to repeated reinvestment, and every year you are getting a larger and larger sum of interest. It likes a snowball rolling downhill, growing bigger in size as it picks up more snow on the way.

When it comes to compounding … time is the secrect to success. Starting as soon as possible and reinvesting interest over several decades can build life-changing wealth.

In short, when it comes to your money, it’s nearly always fine to wait a bit.

Source: https://stansberrychurchouse.com/education/investment-education/sometimes-best-thing-wait-not/

 

 

 

 

 

 

 

 

 

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[IELTS writing] Line chart – Consumption of fast foods by Australian teenagers

11

The line graph compared to  the consumption of Pizza, Fish and chips, Hamburgers with Australian teenagers between 1975 and 2000.

It is clear that the consumption of fish and chips noticeably declined, whereas the amount of Hamburgers and Pizza that were eaten increased over the period shown.

In 1975, the number of times Australian teenagers ate fish and chips was highest, being eaten 100 times a year. While the figures for Hamburgers and Pizza were lower, approximately 10 times and 5 times respectively a year. However, apart from a brief rise again from 1980 to 1985, the consumption of fish and chips gradually declined over 25 year timescale to finish at just under 40 times per year.

In sharp contrast to this, teenagers ate the others two fast foods at much higher levels. Pizza consumption increased gradually until it overtook that of fish and chips in 1990. It then leveled off from 1995 to 2000. The consumption of hamburgers was highest, increasing sharply from 1970’s to 1980’s. The number of times teenagers consumed hamburgers exceed that of fish and chips in 1985. It finished at the same level that fish and chips began, with consumption at 100 times per year.

 

 

 

 

[IELTS Vocabularies] The effect of noise to children experiencing disabilities

– Autism: Chứng tự kỷ

– Hearing impairment = Auditory function deficit: Khiếm thính

– Comprehend = understood

– Exacerbate = Make something more worst. (Trầm trọng hơn, nghiêm trọng hơn)

– Reverberation: If the classroom structure is not suitable then the noise from inside will be reverberated.

– Detrimental effect: Những hậu quả bất lợi

– Vulnerable: Dễ bị tổn thương, tổn hại

– Autistic spectrum disorders: Rối loạn chức năng tự kỷ, Attention deficit disorders: Rối loạn chức năng chú ý.

– Barriers: Hàng rào

– Embark = take part in = participate

– promulgated: promote or make widely known (an idea or cause) (truyền bá, ban hành, …)

– Proportion = rate (percentage)

– cooling system: like Air-conditioning

– Current teaching methods

– To increase awareness of the situation of children with auditory problems

– National policy initiative: Chính sách đề xuất quốc gia

– Suitable worldwide regulations: Quy định chuẩn quốc tế

– medical condition: Tình trạng sức khỏe, điều kiện y tế.

– hypothesis = consumption: Giả thuyết

[IELTS Vocabularies] Relationship and Sports Topic

  • To pop the question: Ask someone to marry with you

Ex: I remembered that he popped the question while we were eating ice cream.

  • To see eye to eye: To Agree on a subject, totally agree – Ex: My father and I see eye to eye on most things
  • To settle down: To give up the single life and start a family – Ex: He has never thought about to get married with someone. But everything changed after he met Marry, he love her at first sight. So, he decided to settle down.
  • To strike up a relationship: Begin a relationship – Ex: She struck a relationship with an artist after she arrived in Paris
  • To tie the knot: Get married – Ex: She is planing to tie the knot with her German boyfriend next June
  • To be well matched: to be similar – Ex: My sister and I are similar about many things in life so we are well-matched.
  • To work at a relationship: to try to maintain a positive relationship with someone Ex: I actually don’t like John but i still work at a relationship.
  • a computer buff: An expert computer
  • To crash: suddenly stop working
  • To take up exercise
  • Strenuous exercise
  • badminton court
  • a strong swimmer
  • to run the marathon

IELTS Overview

  1. Listening: 4 parts – 30 minutes
  2. Academic Reading: 3 passages from 2000 -2750 words in total and become progressively more difficult – 60 minutes
  3. Academic writing: 60 minutes

Task 1: 20 minutes: 150 words – Describe about chart, table, diagram, …

Task 2: 40 minutes: 250 words – word essay about your opinion, ideas, discussion, …

  • Task 2 will gain more masks than task 1. Anyway, you will lose masks if you write the essays fewer than 150 words in task 1 and 250 words in task 2.
  • Always leave some time to check your essay after you have finished.
  • Essay are often on the topics that are of current interest: Read and listen to the news on wide range of subjects, thinking about the issues involved.
  • Task 1: You will get as much masks as you follow tips strictly: Task Fulfillment, Coherence and Cohesion, Vocabulary and sentence structure
  • Task 2: Focus on Argument, Ideas and Evidence; Communicatively quality; vocabulary and sentence structure
  1. Speaking: 11-14 minutes and including 3 parts.

 

Part Time Format Task types
1 4 – 5 minutes Introduce, interview Introduction, ID check

Your question about yourself, job, family, interests, …

2 3-4 minutes Independent long-turn You are given a topic verbally and on a card. You have a minute to prepare a talk.

 

You speak for 1-2 minutes on the topic. E.g: Person, place, object, or event.

 

You can answer 1-2 follow-up question.

3 4-5 minutes Two-way discussion You answer verbal questions and discussing more abstract ideas links to the topic part 2

P/s: Before you actually start learning and practicing IELTS that you should understand what it is and what its format, and it is for what. Who need to get it?

After that, you will build up a effective way to achieve it. Good luck to everyone and me.

[IELTS Speaking part 2] The first you used a Foreign Language

Describe the first time you used a Foreign Language.

What you should say:

  • Where you were
  • What the situation was
  • Who you communicated with and explain why you used a foreign language to communicate on this occasion.

Answer:

  1. Used vocabularies:
  •   The best of my recollection: (expression) If i remember correctly. Example: I was not present at that meeting, to the best of my recollection.
  • Hanging out (phrase verb): Spending a lot of time at a particular place but doing no special activity. Ex: My friends and I enjoy hanging out at our local coffee shop, just chatting and enjoying a coffee.
  • Came up to (phrasal verb) Approached. Example: My manager came up to me and shook my hand
  • Catch everything: (Expression) hear or understand everything that he said. Ex: At the train station, it was too noisy for me to hear all the information clearly, and i was unable to catch everything.
  • Body language: (Noun) The way that you show what you feel or think by moving your body. Example: Sometimes, our teacher uses body language, not words, to help to communicate an idea.
  • Headed for: (phrasal verb) Moved in a particular direction. Ex: After the show finished, everyone headed for the exits.
  • Have a good command of: (expression) Have a good knowledge of something. Example: People apply this job must have a good command of English, in order to communicate with our American customers.

2. The sample answer:

I have been learning English for a long time but i haven’t had many chances to practice English speaking with native speakers. To the best of my recollection that the first i used English to foreigner was on New Year Eve three years old ago.

At that time, I was hanging out with my friends on Nguyen Hue street. Suddenly, a foreigner came up to me and asked for directions to a supermarket. To be honestly, he spoke too quickly for me to catch everything but after he repeated his words, i finally understood and showed him the way to the nearest supermarket. I used body language a lot to explain the direction to him. Since, i didn’t speak English well then. After that, he said “Thank you” to me and headed for the supermarket.

I realize that English plays an important role in our life. Despite the fact that we don’t live in English speaking countries but it is spoken globally and it’s becoming dominant language. Therefore, I have been trying to practice English daily so that i can have a good command of this language, and i can talk confidently with foreigners, whatever the topic of conversation.

 

IELTS Speaking Part 2: ‘cafe’ topic

Describe a café that you have been to.
You should say

– where it is
– why you went there
– what you ate or drank
– and explain why you liked or disliked the café.

If you’ve seen ‘Speaking lesson 4’ in my video course, you will already have some good vocabulary for describing a restaurant and the staff in a restaurant e.g. welcoming, inviting, warm, approachable, attentive, nice atmosphere, make you feel at home… I’m sure we can use some of these words and phrases to describe a café.

P/s: Please notice that you get the speaking part 2 topic from Simon’s  IELTS. Before actually referring to Simon’s answer, i will do my own answer first. This is a  chance for me to deal with the real test.

Answer:

Useful vocabularies:

 Nice atmosphere, warm, approachable, attentive, make you feel at home, head to this place, to get away from it all, quaint old café’, breathtaking view, hoard of people, fall in love, picturesque,

Well, I often go to the café every weekend, which I always head for the café shop is Tuan Ngoc that is in Thu Duc district HCMC  where brings nice and warm atmosphere to anyone visiting there. I really love this place because it makes me feel quite relaxed, peaceful and comfortable with the quaint old café. I usually come there alone whenever I want to have time for myself, especially, when i made some important decisions. I probably impressed the taste of iced coffee with milk there, it was absolutely fantastic. Furthermore, the thing made me fall in love were those breathtaking views with three-lined walkways. Just one thing I dislike that some man smoked there, and this makes me uncomfortable at all. Anyway, it is really amazing destination café.

[British Council] Great films that aren’t really about Canada

Factually correct: Đúng với thực tế

Preconditions to achieving: Điều kiện tiên quyết để đạt được…

ex: There are some basic preconditions to achieving happiness.

Enormous (i nố z mous) waterfall: Canada for me is a place that starts somewhere on the other side of that enormous waterfall.

A tunnel (tơ nồ) in the rock behind the water. The place is also popular with lovers.

The spot also attracts crazy people who want to throw themselves over the edge. These days it’s not bad if you like casinos. The latest one to open is called Fallsview casino, which, they say, is more luxurious (lấc zơ ri ơts) and sophisticated (səˈfistiˌkātid) than the Casino Niagara.

1. The hero was interviewed by a psychotherapist (sai cồ thía.. rờ pis)

2. He was getting further and further into debt.

3. He would never be able to pay the money back
4. Does this film have anything to do with Canada?
5. Canada is enormous … you can never use it up
6. He doesn’t seem to care about his girlfriend.
7. The film starts at the end of the story, then it goes back to the beginning.
8. Maybe violence is caused by unemployment.
9. The place is popular with lovers.
10. A lot of people are killed by guns in America.
11. Canada appears for comparison.
12. Of course they use their guns for hunting.
13. It begins with a shot of a waterfall.
14. Words come up on the screen.

 

[IELST Pronunciation] How to pronounce /t/ in American English

Âm t trong tiếng Anh có cách phát âm rất đa dạng và phong phú. Có tới 6 trường hợp phát âm khác nhau của âm /t/:

(1) Âm /t/ được bật đầy đủ;

(2) âm /t/ không bật hơi trong nhóm /st/, hoặc khi đứng cuối từ;

(3) Âm /t/ đứng giữa 2 nguyên âm biến đổi thành /d/;

(4) Âm /t/ câm trong cụm âm /nt/;

(5) Âm /t/ bị biến đổi trong cụm như /tn/, /tr/.

Cùng xem video hướng dẫn của cô Moon trong các trường hợp biến đổi của âm /t/:

Nếu /t/ đứng đầu âm tiết có trọng âm, nó được bật rõ ràng và đầy đủ: table, take, teach, ten, determine…

Âm /t/ cũng được bật đầy đủ khi nó ở dạng quá khứ của động từ và đứng sau một phụ âm vô thanh như – /f/, /k/, /p/, /s/, /ch/, /sh/, /th/: picked [pikt], hoped [houpt], raced [reist], watched [wɒcht], washed [wɒsht]

Tập đọc: Tom tried two times

Ngoại lệ: khi âm /t/ đứng sau một phụ âm khác, ở đầu từ, như trong cụm /st/: stay, store, steep… âm /t/ không được phát âm đầy đủ.

Tập đọc: I stay in the store for a while

2. Âm /t/ giống /d/ đứng giữa 2 nguyên âm

Đây là một đặc thù của âm /t/ trong tiếng Anh Mỹ, khác với trong tiếng Anh Anh.

Nếu /t/ ở giữa 2 nguyên âm, nó biến thành 1 âm /d/ mềm (tương tự âm /d/ khi đứng giữa hai nguyên âm: letter = /leder/, better = /beder/
Tập đọc: Water, daughter, bought a, caught a, lot of, got a, later, meeting, better

Tập đọc câu:
Get a better water heater. [gedda bedder wɔder hider]
Put all the data in the computer. [pʊdall the deiydə in ðe k’mpjuder]
Patty ought to write a better letter. [pædy ɔːd’ ride a bedder ledder]

What a good idea. [w’d’ gud aɪˈdɪə]

3. Âm /t/ bị biến mất khi đứng sau /n/

Khi âm /t/ đứng sau âm /n/, nó có thể biến mất (do 2 âm này có vị trí miệng gần giống nhau).

interview /ˈɪnərˌvju/
international /ˌɪn ərˈnæʃ ə nl/
advantage /ədˈvɑːn.tɪdʒ/
percentage /pɚˈsen.t̬ɪdʒ/
count on /kaun_on/

Một ví dụ rất thú vị về sự biến mất của âm “t” trong cụm “nt” có thể thấy trong bài hát “Count on me” của Bruno Mars. Nam ca sĩ hát là “coun-on me” chứ không phải “coun-ton me”.

Tập đọc câu: That’s quite right, isn’t it?

4. Âm /t/ không bật hơi khi đứng cuối từ

Để phát âm /t/, có 2 giai đoạn:

– Giai đoạn 1, lưỡi nâng lên phần ngạc trên để chặn lại;

– Giai đoạn 2, bật âm /t/.

Ngoài ra, nếu âm /t/đứng cuối một từ, thông thường người ta cũng chỉ chặn hơi lại (giai đoạn 1) mà không bật hơi ra (giai đoạn 2), ví dụ: put, what, lot, set, hot, sit, shot, brought. Đây là lý do tại sao chúng ta thường không nghe thấy âm /t/ khi nó đứng cuối từ.
Luyện tập: So sánh âm bị chặn trong từ “post” (/poust/) với việc không có âm /t/ trong từ “pose”.

5. Âm /t/ bị biến đổi trong tiếng Anh Mỹ

5.1. Âm /tn/

Cụm âm/tn/, ví dụ trong từ ‘button’, là cụm hầu hết người Việt Nam gặp khó khăn khi phát âm.Các âm /tn/ được thực hiện bằng cách đặt lưỡi ở vị trí của /t/, sau đó bật âm /t/ mà không di chuyển lưỡi, đồng thời chuyển nhanh sang âm [n].

Lưu ý:Hãy chắc chắn rằng bạn không đặt một âm schwa trước /n/ (ví dụ: với từ written:/ri-từn/ là sai, /rit-n/ là đúng).
Tập đọc: Written, certain, forgotten, button
Tập đọc câu:
He’s forgotten the carton of satin mittens.
She’s certain that he has written it.
Martin has gotten a kitten.

5.2. Âm /tr/

Với âm /tr/, do âm /t/ bị ảnh hưởng của âm /r/ nên khi đứng cạnh nhau, âm /t/ bị biến đổi thành âm /tʃ/. Ví dụ, khi đọc từ “train” thì thay vì bật âm thành /t/ + /rein/ thì đọc là /tʃ/ + /rein/, giống như ch-rain. Luyện tập bằng cách phân biệt “train” và “chain”.

Tập đọc: try – tie, train – chain, Troy – toy, stream – steam
I try to wear a tie
The train has a long chain
I have a toy that looks like the Troy horse
Can you see the steam floating on the stream?

Source: http://vnexpress.net/tin-tuc/giao-duc/hieng-anh/5-cach-phat-am-t-trong-tieng-anh-my-3508103.html

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