in

LoveLove

Rangkuman Belajar Value Investing Untuk Investor Saham Pemula

Belajar Value Investing
Belajar Value Investing

Cukup banyak pertanyaan yang masuk tentang bagaimana cara melakukan analisa laporan keuangan. Sebenarnya ini adalah topik paling awal yang saya tulis. Tetapi karena tanpa sadar ternyata jumlah postingan di investorsaham.id sudah berjumlah diatas 100 postingan. Maka wajar justru topik tentang edukasi value investing awal saya tenggelam dan menjadi sulit untuk ditemukan.

Bahkan kalau melihat traffic yang datang belakangan ini ke website lebih banyak new visitor yang mungkin menemukan website saya ketika entry keyword belajar value investing jika saya lihat.

Hal tersebut membuat hati saya cukup senang karena dari awal mencoba menulis di stockbit memang bertujuan ingin lebih memperkenalkan teknik value investing bagi para investor saham khususnya investor saham pemula.

NB: Saya tentu bukan pelopor value investing di Indonesia, banyak penulis lain yang sudah memperkenalkan value investing di Indonesia lebih dulu dari saya. Seperti Joeliardi Sunendar, Teguh Hidayat, Rivan Kurniawan, Ryan Filbert, Parahita, Kefas Evander dan banyak penulis lain.

Loh kok malah promosiin penulis lain? Gak takut malah pembaca tulisan saya pada pindah baca tulisan penulis lain? Tidak masalah untuk saya. Karena saya sadar tulisan saya tidak bisa menyenangkan semua pihak. Jadi jika tidak cocok dengan anda setidaknya anda bisa mencoba untuk membaca tulisan dari penulis lain yang ada pembahasan tentang value investing juga.

Gak takut kehilangan revenue adsense? Percaya saya pendapatan adsense itu bahkan tidak nutup untuk biaya langganan hosting website saya. Jadi penulisan ini memang untuk menyalurkan hobi saja untuk memberikan edukasi.

Mulai Dari Mana Untuk Belajar Value Investing?

Di awal tulisan saya sebenarnya saya membuat tulisan berurutan untuk hal – hal basic yang harus dipelajari sebagai value investing. Sayangnya tulisan itu mulai tenggelam dengan semakin banyak postingan lain. Jadi mari saya rangkumkan pada tulisan ini untuk membuat kalian gampang untuk mencari dan belajar value investing dari awal. Hal ini berarti juga belajar bagaimana melakukan analisa laporan keuangan buat investor saham, khususnya yang masih tahap pemula.

Tulisan saya memiliki satu kelemahan, yaitu terlalu detail dan panjang. Jadi saran saya buatlah target minimal baca 1 tulisan ini secara berurutan setiap hari dan PRAKTEK. Maka tanpa sadar 2 minggu kemudian anda punya basic knowledge yang cukup untuk mulai praktek sebagai value investor.

Bagian 1 – Pengantar Value Investing

Awalnya saya mencoba memperkenalkan tentang value investing, tapi tanpa sadar justru menjadi artikel yang sangat panjang. Sehingga akhirnya saya pecah menjadi 3 artikel. Disini kalian akan mendapatkan gambaran apa yang akan dilakukan oleh value investor.

5 Langkah Value Investing Part 1 (Apa itu Value Investing?)

5 Langkah Value Investing Part 2 (Menentukan Nilai Wajar & Timing)

5 Langkah Value Investing Part 3 (Risk Management & Monitoring)

Bagian 2 – Hal Yang Perlu Kita Analisa Dalam Laporan Keuangan

Kebanyakan investor pemula minder atau takut duluan ketika mau belajar analisa laporan keuangan. Percaya saya kalau sudah urusan tentang uang anda akan lebih cepat untuk belajar.

Analisa laporan keuangan itu tidak semenakutkan seperti yang anda bayangkan. Siapa tahu tulisan – tulisan dibawah ini dapat membantu anda lebih mudah untuk memahami mengerti laporan keuangan.

Analisa Profitabilitas – Melihat Keunggulan Kompetitif Perusahaan

Dividen – Bonus Untuk Investor

DER & Current Ratio – Analisa Ratio Hutang

Analisa Cashflow – Penting

Screening Saham Ala Value Investing

Bagian 3 – Materi Yang Penting Untuk Membangun Mindset Sebagai Value Investor

Faktor Penyebab Naik dan Turun Harga Saham

Margin of Safety – Secret Weapon Value Investor

Menghitung Nilai Wajar ala Value Investor

Teknik Investasi Ala Albert Einstein

Cara Mencapai Financial Freedom

Staying Power – Skill Utama Investor Profesional

Bagian 4 – Praktek

Tutorial Analisa Value Investing Part 1

Tutorial Analisa Value Investing Part 2

Bagian 5 – Membuat Komitmen – Print, Isi Dan Tanda Tangani Lalu Tempelkan di Meja Kerja Anda (OPTIONAL)

Kontrak Value Investor

Topik Apa Yang Paling Banyak Saya Bahas?

Kalau kalian sadar sebenarnya topik selain edukasi yang paling banyak saya bahas adalah tentang psikologi untuk investor.

Investasi dengan value investor tidak memberikan kepastian bahwa investasi anda langsung naik luar biasa ketika beli saham tersebut. Tetapi justru tidak jarang malah harga saham terus merosot turun, karena itu sebuah risiko dari membeli saham salah harga.

Saham salah harga hanya bisa terbentuk ketika market bersifat tidak rasional. Hal ini membuat perusahaan bagus dihargai murah oleh market. Sehingga banyak value investor setelah membeli saham, bukannnya naik malah terus turun.

Saya memiliki seorang sahabat yang menurut saya terlalu polos. Dia terlalu percaya dengan apa yang saya ucapkan dan mengikuti apapun rekomendasi yang saya berikan. Bisa dibilang dia benar-benar copy paste apapun saham yang saya beli dan jual. Bisa dibilang satu-satunya yang tahu semua saham yang saya beli hanya teman saya ini. Karena dia ikutan dari awal perjalanan saya menjadi value investor, bahkan sebelum saya mulai aktif menulis satu katapun di stockbit.

Ada satu alasan kenapa saya hanya mau buka rahasia semua porto saham saya ke satu orang ini karena dia punya kegilaan yang benar-benar sama dengan saya. Kegilaan itu adalah kita senang dengan market bearish.

Kisah Saya Sempat Kehilangan Keyakinan Dengan Value Investing

Anda mungkin berharap saya kebalik antara bullish dan bearish. Saya menulis dengan penuh kesadaran bahwa saya senang dengan market bearish. Bukan berarti saham yang saya beli anti badai. Kalau market bearish berarti saham saya juga turun tajam, saya juga mengalami floating loss yang mengerikan.

Floating loss yang mengerikan itu berarti mengerikan secara persentase ataupun secara rupiah. Value investing tidak menjamin saham anda pasti profit dari harga pembelian anda di satu tahun pertama, anda bahkan malah bisa mengalami floating loss yang mengerikan.

Pernahkah saya stress melihat floating loss saya? jujur pernah. Terjadi ketika bulan maret tahun ini. Ketika IHSG turun dari 6.000 ke 5.000 hati saya senang sekali. Saya average down dengan semangat.

Ketika IHSG turun dari 5.000 ke 4.000 hati saya lebih senang lagi. Saya average down dengan lebih semangat lagi. Ketika IHSG jebol 4.000 jujur mental saya drop juga, dry powder sudah habis untuk average down sejauh itu. Market benar – benar liar turun sedalam itu.

Berbagai data riset yang saya buat tampak bagai sampah. Ketika IHSG drop dari 5.000 ke 4.000 saya percaya market sudah sangat murah dan sulit untuk turun lagi hingga saya menulis tentang historical PER IHSG. Tetapi tulisan itu seperti bullshit karena IHSG terus terusan murah walaupun di tulisan saya saat tanggal 7 maret bilang bahwa IHSG sudah sangat murah saat itu. Sejujurnya mental saya drop juga saat itu.

Sungguh tidak mudah bilang saya senang kalau melihat market bearish ketika anda sudah tidak punya sisa dry powder untuk dibelanjakan dan melihat floating loss besar secara rupiah. Kalau anda membaca beberapa tulisan saya tentang kisah sukses saya dalam membeli saham bagus di masa pandemic mungkin anda memiliki pertanyaan. Kenapa saya tidak membeli MMLP ketika di dekat harga 100, kenapa malah beli di harga sekitar harga 130. Kenapa saya membeli IPCC di dekat harga 300 dan bukan jauh dibawah itu?

Saya beri satu rahasia yang terjadi pada saya saat itu, Pada saat bulan maret saya tidak berani buka aplikasi saham untuk melihat floating loss saya.

Lalu Apa Yang Membuat Saya Bertahan Dengan Value Investing?

Untuk hal ini mungkin ego saya membantu saya. Saya tidak mudah percaya dengan orang lain. Saya percaya dengan apa yang bisa diterima oleh logika dan akal sehat saya. Ketika mental saya drop karena kejatuhan market yang luar biasa di maret 2020 lalu itu membuat mental saya sejujurnya menjadi goyah.

Apakah memang saya melakukan kesalahan analisa? Maka saya periksa ulang semua analisa yang saya lakukan sebelumnya. Hal ini membuat saya memiliki keyakinan saya memang sudah menggunakan logika dan akal sehat yang benar dalam melakukan analisa ini. Hal ini membuat kepercayaan diri saya tumbuh lagi, saya bilang saat ini adalah peluang. Saya mau beli saham apapun saat itu pasti untung besar. Maka saya kembali setor dana dan terus rajin lakukan pembelian saham-saham bagus yang murah.

Psikologi Dan Mindset Adalah Segalanya

Ketika saya mau setor dana dan terus lakukan pembelian saya ajukan pertanyaan kepada teman saya. Apakah dia masih berani tambah dana dan kita terus beli? Karena sama seperti saya dia pasti ada ketakutan melihat floating loss begitu besar.

Jawaban dia sebenarnya menguatkan saya. Dia menjawab investasi saham itu enak, harga saham turun begini jauh dia ga harus dipaksa jual rugi. Tidak seperti forex dimana teman saya terpaksa harus kehilangan uang dalam jumlah besar. Dia bilang dia masih bisa makan enak dan tidur nyenyak karena tahu ini hanya kerugian sementara. Berdasarkan semua penjelasan yang saya berikan sebelum kita beli bisa dia terima dengan logikanya bahwa pembelian saham yang kita lakukan pasti untung di kemudian hari. Lagian dari awal memang kita rencana untuk tidak ambil investasi kita dalam 5 tahun, ini baru satu tahun jadi santai aja.

Setelah itu kami sepakat untuk tetap terus lakukan pembelian saham di saat itu. Apa yang terjadi berikutnya adalah berkat. Awal tahun yang menyeramkan yang membuat mental menjadi goyah berubah menjadi tahun investasi yang begitu bagus. Tahun ini ternyata hasil returnnya terbilang sangat bagus walau baru memasuki bulan september dan sempat menghadapi penurunan mengerikan di awal tahun 2020.

Kita bisa lakukan analisa sehebat apapun tapi tanpa memiliki mindset dan psikologi yang tepat maka apapun ilmu hebat yang anda kuasai akan menjadi percuma. Saya tidak mengkritisi untuk teman-teman yang pada akhirnya cut loss di bulan maret 2020 lalu dan akhirnya menganggap tidak cocok dalam investasi saham yang berisiko. Sejujurnya saat itu saya juga goyah.

Tetapi karena saya tahu alasan saya ketika beli saham tersebut dan saya yakin tidak ada alasan bahwa saya tidak akan untung maka saya tetap bisa memiliki mindset dan psikologi untuk tetap survive.

Ini kenapa investorsaham.id juga banyak menuliskan artikel yang berkaitan dengan investor mindset. Karena anda bisa saja mengikuti pembelian saham investor/trader hebat tetapi return anda belum tentu bisa sama karena memiliki psikologi dan mindset yang berbeda dengan investor tersebut.

Follow me on:

What do you think?

Written by Thowilz

Saya adalah seorang value investor yang memiliki passion untuk mengajarkan teknik value investing kepada investor lainnya. Anda dapat membaca tulisan saya di stockbit (@thowilz), instagram, dan social media investorsaham.id lainnya.

Comments

Leave a Reply
  1. Terimakasih atas rangkuman nya pak. Sungguh sangat komprehensif dan baik. Kalau boleh tau, kenapa memilih value investing daripada growth investing ?

  2. Hey there would you mind stating which blog platform you’re working with?

    I’m going to start my own blog in the near future but I’m having a tough time deciding between BlogEngine/Wordpress/B2evolution and Drupal.
    The reason I ask is because your design and style seems different then most blogs and I’m looking
    for something completely unique. P.S Apologies for being off-topic but I had to ask! http://hydroxychloroquined.online/

  3. Wow that was strange. I just wrote an incredibly long
    comment but after I clicked submit my comment didn’t show up.

    Grrrr… well I’m not writing all that over again.
    Anyway, just wanted to say great blog!

    Also visit my web site; 코인선물

  4. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to
    get set up? I’m assuming having a blog like yours would cost a pretty penny?
    I’m not very web smart so I’m not 100% sure. Any recommendations or advice would be greatly
    appreciated. Many thanks

    Look at my website 먹튀검증업체

  5. I don’t even know how I ended up here, but I thought this post was good.
    I do not know who you are but certainly you are
    going to a famous blogger if you aren’t already 😉 Cheers!

    Feel free to visit my website 토토커뮤니티; Jared,

  6. Right now it seems like BlogEngine is the top blogging platform out there right now. (from what I’ve read) Is that what you’re using on your blog?

  7. Simply want to say your article is as amazing. The clearness in your post is simply nice and i can assume you are an expert on this subject. Well with your permission allow me to grab your RSS feed to keep up to date with forthcoming post. Thanks a million and please keep up the gratifying work.

  8. Hi! Someone in my Myspace group shared this site with us so I came to take a look. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Wonderful blog and amazing style and design.

  9. Undeniably believe that that you stated. Your favourite justification appeared to be at the net the simplest thing to consider of. I say to you, I definitely get irked at the same time as other people consider concerns that they plainly do not recognize about. You controlled to hit the nail upon the top as smartly as defined out the whole thing with no need side effect , other folks can take a signal. Will likely be back to get more. Thank you

  10. Nice post. I was checking continuously this blog and I am impressed! Very useful information specially the last part 🙂 I care for such info a lot. I was seeking this particular info for a long time. Thank you and good luck.

  11. how to buy generic mobic online [url=https://mobic.store/#]can you get generic mobic prices[/url] where to get generic mobic price

  12. Pretty great post. I simply stumbled upon your blog and wanted to mention that I have really enjoyed browsing your blog posts. In any case I’ll be subscribing in your feed and I am hoping you write again soon!

  13. Hi, i think that i saw you visited my website so i came to return the favor.I am trying to find things to improve my website!I suppose its ok to use some of your ideas!!

  14. online shopping pharmacy india [url=http://indiapharmacy.cheap/#]world pharmacy india[/url] Online medicine home delivery

  15. Pretty portion of content. I simply stumbled upon your blog and in accession capital to say that I acquire in fact enjoyed account your blog posts. Any way I’ll be subscribing on your augment or even I achievement you get entry to persistently fast.

  16. We are a group of volunteers and starting a new scheme in our community. Your web site provided us with valuable information to work on. You have done an impressive job and our whole community will be grateful to you.

  17. Woah! I’m really loving the template/theme of this website. It’s simple, yet effective. A lot of times it’s very difficult to get that “perfect balance” between user friendliness and visual appeal. I must say that you’ve done a awesome job with this. In addition, the blog loads very fast for me on Chrome. Exceptional Blog!

  18. I have been surfing online more than three hours nowadays, yet I never found any interesting article like yours. It’s lovely value enough for me. Personally, if all website owners and bloggers made good content as you did, the net might be much more useful than ever before.

  19. I’m not sure where you are getting your info, but good topic. I needs to spend some time learning more or understanding more. Thanks for fantastic information I was looking for this information for my mission.

  20. It is perfect time to make some plans for the future and it is time to be happy. I have read this post and if I could I wish to suggest you few interesting things or advice. Perhaps you could write next articles referring to this article. I wish to read more things about it!

  21. Usually I don’t read article on blogs, however I wish to say that this write-up very compelled me to try and do it! Your writing style has been surprised me. Thanks, very great post.

  22. I like the valuable information you supply for your articles. I will bookmark your weblog and check again here frequently. I am quite certain I will be informed a lot of new stuff right here! Good luck for the following!

  23. Hi I am so happy I found your webpage, I really found you by mistake, while I was researching on Google for something else, Nonetheless I am here now and would just like to say thank you for a marvelous post and a all round exciting blog (I also love the theme/design), I don’t have time to go through it all at the minute but I have book-marked it and also added in your RSS feeds, so when I have time I will be back to read much more, Please do keep up the fantastic job.

  24. I believe what you postedtypedbelieve what you postedtypedthink what you postedtypedbelieve what you postedwroteWhat you postedwrotesaid was very logicala ton of sense. But, what about this?consider this, what if you were to write a killer headlinetitle?content?typed a catchier title? I ain’t saying your content isn’t good.ain’t saying your content isn’t gooddon’t want to tell you how to run your blog, but what if you added a titlesomethingheadlinetitle that grabbed a person’s attention?maybe get people’s attention?want more? I mean %BLOG_TITLE% is a little plain. You might look at Yahoo’s home page and watch how they createwrite news headlines to get viewers to click. You might add a video or a related picture or two to get readers interested about what you’ve written. Just my opinion, it might bring your postsblog a little livelier.

  25. Its like you read my mind! You seem to know so much about this, like you wrote the book in it or something. I think that you could do with some pics to drive the message home a bit, but other than that, this is fantastic blog. An excellent read. I’ll definitely be back.

  26. you are really a good webmaster. The site loading velocity is incredible. It sort of feels that you are doing any unique trick. Moreover, The contents are masterpiece. you have performed a fantastic activity in this topic!

  27. Have you ever considered about including a little bit more than just your articles? I mean, what you say is fundamental and all. Nevertheless think about if you added some great graphics or video clips to give your posts more, “pop”! Your content is excellent but with images and clips, this website could certainly be one of the very best in its niche. Superb blog!

  28. However, even if this was described as a “token” by the City AM insider, it is likely the Amazon currency will not be a cryptocurrency. Rumors are circulating that Amazon may create its own cryptocurrency. There hasn’t been any confirmation from official sources that these rumors are true. However, the truth hasn’t stopped cybercriminals from taking advantage of these rumors. Best Tax Software for Small Business (Bloomberg) — The impact of the SEC crackdown on crypto appears to be fading for the 19 tokens designated as unregistered securities by the agency when it sued Binance and Coinbase Global Inc. in June. A recent Amazon advert has got the crypto world buzzing. The retailer advertised for a lead position in digital currencies and blockchain. The news excited crypto enthusiasts who couldn’t stop speculating on the move’s meaning. Some went as far as suggesting that Amazon teased its entry into the crypto space.
    https://cesarbaxu518529.bloggazza.com/23643457/manual-article-review-is-required-for-this-article
    “Going long” in crypto trading doesn’t always entail a lifelong commitment. Depending on your intentions, you may “go long” as long as you want. In contrast, the “HODL” mentality embraces a more relentless approach. By HOLDing crypto, you commit to hold it long-term, withstanding the tumultuous ebbs and flows of the market and never wavering in your resolve. Natassha Selvaraj Any client with a notional size above this limit is at risk of having their cryptocurrency positions reduced. Based on the four-chart, Bitcoin holds below all the major moving averages, including the 200-day EMA (purple) at $29,432, the 100-day EMA (blue) at 29,386, and the 50-day EMA (red) at $29,372. 2. Supplemental — The Supplemental report includes 13 select agricultural commodity contracts for combined futures and options positions. Supplemental reports break down the reportable open interest positions into three trader classifications: non-commercial, commercial, and index traders.

  29. Heya this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be greatly appreciated!

  30. Greetings I am so glad I found your website, I really found you by error, while I was researching on Bing for something else, Regardless I am here now and would just like to say thank you for a remarkable post and a all round thrilling blog (I also love the theme/design), I don’t have time to read through it all at the minute but I have saved it and also added in your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the awesome job.

  31. I’m really enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Great work!

  32. Нужна стяжка пола в Москве, но вы не знаете, как выбрать подрядчика? Обратитесь к нам на сайт styazhka-pola24.ru! Мы предлагаем услуги по устройству стяжки пола любой площади и сложности, а также гарантируем быстрое и качественное выполнение работ.

  33. Ищете надежного подрядчика для устройства стяжки пола в Москве? Обратитесь к нам на сайт styazhka-pola24.ru! Мы предлагаем услуги по залитию стяжки пола любой сложности и площади, а также гарантируем высокое качество работ.

  34. Below are the MLB World Series odds as of July 28th, 2023 courtesy of Caesars Sportsbook. You can email the site owner to let them know you were blocked. Please include what you were doing when this page came up and the Cloudflare Ray ID found at the bottom of this page. BetOnline accepts players from everywhere in the United States.  Regardless of what State you live in (California, New York, Texas, etc.) you can join and bet on the World Series at BetOnline. Moneyline bets are a simple way of wagering on MLB games. All you need to do is pick the winner of the game, and you’ll win your bet. © 2023 Minute Media – All Rights Reserved. The content on this site is for entertainment and educational purposes only. All betting content is intended for an audience ages 21+. All advice, including picks and predictions, is based on individual commentators’ opinions and not that of Minute Media or its related brands. All picks and predictions are suggestions only. No one should expect to make money from the picks and predictions discussed on this website. For more information, please read our Legal Disclaimer. If you or someone you know has a gambling problem, call 1-800-GAMBLER.
    https://iris-wiki.win/index.php?title=Cricket_betting_tips_expert
    Contest Official Rules Pickswise is the home of the best free basketball picks today. Our expert basketball handicappers break down today’s matches to find you the best free basketball picks, We’ve also got expert advice for NBA Futures and how to bet on the NBA. A good basketball pick is a well-researched and fully informed one. Our experts crunch all the latest NBA News, team and player statistics, trends, history and rely upon decades of handicapping experience ahead of making each basketball pick. Game Totals – This is simply betting on the total number of points scored in a game. This might look like: Indiana Pacers @ Miami Heat – Over Under 195 =. This means you need 196 or more total points in the game to win the Overs and 194 or less to win the Unders. If the game total is a whole number and ends up being the same as the total points scored then your bet becomes a push and your stake is refunded. Note that all of the above includes overtime!

  35. Хотите получить идеально ровный пол в своей квартире или офисе? Обратитесь к профессионалам на сайте styazhka-pola24.ru! Мы предоставляем услуги по устройству стяжки пола в Москве и области, а также гарантиру

  36. Хотите заказать стяжку пола в Москве, но не знаете, где искать надежного подрядчика? Обратитесь к нам на сайт styazhka-pola24.ru! Мы предоставляем услуги по устройству стяжки пола м2 по доступной стоимости, а также устройству стяжки пола под ключ.

  37. Хотите получить идеально ровный пол в своей квартире или офисе? Обратитесь к профессионалам на сайте styazhka-pola24.ru! Мы предоставляем услуги по устройству стяжки пола в Москве и области, а также гарантиру

  38. Хотите получить идеально ровные стены в своем доме или офисе? Обратитесь к профессионалам на сайте mehanizirovannaya-shtukaturka-moscow.ru! Мы предлагаем услуги по механизированной штукатурке стен любой сложности и площади, а также гарантируем качество работ и доступные цены.

  39. I am really loving the theme/design of your site. Do you ever run into any web browser compatibility problems? A couple of my blog visitors have complained about my website not operating correctly in Explorer but looks great in Chrome. Do you have any ideas to help fix this issue?

  40. Fantastic blog! Do you have any tips and hints for aspiring writers? I’m planning to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally confused .. Any ideas? Kudos!

  41. Получите безупречные стены благодаря услуге штукатурка стен на mehanizirovannaya-shtukaturka-moscow.ru. Качество и скорость исполнения вас удивят.

  42. Если вы заботитесь о качестве и скорости работы, посетите наш сайт mehanizirovannaya-shtukaturka-moscow.ru. Мы предлагаем услуги механизированной штукатурки для идеально гладких стен.

  43. Undeniably believe that which you stated. Your favorite justification appeared to be on the net the simplest thing to be aware of. I say to you, I definitely get irked while people consider worries that they plainly do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks

  44. My partner and I absolutely love your blog and find a lot of your post’s to be what precisely I’m looking for. Do you offer guest writers to write content to suit your needs? I wouldn’t mind publishing a post or elaborating on a few of the subjects you write concerning here. Again, awesome site!

  45. I am extremely impressed with your writing skills and also with the layout on your blog. Is this a paid theme or did you customize it yourself? Either way keep up the nice quality writing, it’s rare to see a nice blog like this one nowadays.

  46. Greetings! This is my first visit to your blog! We are a group of volunteers and starting a new initiative in a community in the same niche. Your blog provided us useful information to work on. You have done a extraordinary job!

  47. Hey! I could have sworn I’ve been to this blog before but after checking through some of the post I realized it’s new to me. Anyhow, I’m definitely glad I found it and I’ll be bookmarking and checking back often!

  48. Wonderful goods from you, man. I’ve bear in mind your stuff prior to and you’re simply too fantastic. I really like what you’ve received here, really like what you’re stating and the best way by which you are saying it. You are making it entertaining and you still take care of to stay it smart. I cant wait to read far more from you. This is actually a wonderful website.

  49. Undeniably believe that which you stated. Your favorite justification appeared to be on the internet the simplest thing to be aware of. I say to you, I definitely get irked while people consider worries that they plainly do not know about. You managed to hit the nail upon the top as well as defined out the whole thing without having side effect , people can take a signal. Will likely be back to get more. Thanks

  50. Hi there! I know this is kind of off-topic but I had to ask. Does operating a well-established blog like yours take a massive amount work? I’m completely new to writing a blog but I do write in my diary everyday. I’d like to start a blog so I will be able to share my own experience and thoughts online. Please let me know if you have any suggestions or tips for new aspiring bloggers. Appreciate it!

  51. <