Thursday, February 28, 2013

It is Thu ... trying to catch up with many things to be done. Too busy ... to write.

KLCI up another 3 points, we have DOW at high level. But, CPO below 2400 now. ouch.

With election is nearing, many are sideway ... more changes of words from politicians from both side. Too busy to follow the latest development. Well, someone came back from India and making statements. Arghh ... more coming up to get some recognitions. We do not know what-is-what ... we will never really know the so-called 'truth'. The submarine ... the cows ... those sodomy-cases ... the Mongolian lady or Mr Teoh's death. We will never know the real truth. This is fact.

Anyway ... I m in the rush again ... just dropping few lines, checking that I am still around. Haha.

A quote to share ... I do like these quotes. They are good reminders.

Got another 4 hours of class to go ... and another e-learning session at night!!



Tuesday, February 26, 2013

Reach Out

The fortunate us should reach-out for those 'hopeless' and giving them hope. Find shelther for them, food to feed them ... let them know that we do care ... and they could pull themselves up. Giving them the lending hands.

note : the song is by Oasis -- Crying your heart out. nice.

God's willing ... I will reach-out for them. I went for orphanages last year ... so, I wish to join one of the organisation, passing the hats around and distribute to these organisation(s).

I do need what makes me feel 'good'. So, I will reach out. That is how we make ourselves feel 'rich'.


Small is good

I was so tired that I 'over-slept' this morning ... with whole day ... hours of classes, readings ... moving ... and e-meetings at night, I hardly have time to rest. So, each time when I sleep around 12.30am, I would be very tired. Need to change that ... sleep 11.30pm after the e-meetings? And wake up 5.30am ... for some quiet readings? Ok ... I might need to get an alarm clock as my biological-clock is failing me. zzz

I am currently staying in 930sq-ft apartment ... and it is considered as 'small' here. With two growing kids, many toys around .. there is space constraints. To me, either we reduce the no of items we are having, live with what we have at the moment(no more buying into more un-neccesary items) or we have to en-large our space. If I am alone, I will choose the small apartment around 300sq ft, not like those cage-apartment shown in the above link(HK). But ... I am not alone, I do have my wife and two growing kids. We do have space issue now.

One of the way we could increase the spaces are to have 'built-ins' cabinets and such. Well, with an intention of getting a landed-house, we do not plan to spend any money into building thouse built-up. The apartment is fetching good price at RM250k(bought RM155k a year plus ago) and I m thinking to sell it off and get a house, instead. Well, houses are not cheap these days ... so, we shall wait ... and live with what we have. Hope I could clear more items and place them in 'store-room'.

Another item Malaysians want it big is their 'car'. Somehow or rather, the size of cars increase ... over the years. If we are single, we can drive a Kancil/Viva. But when we have a family, normally a 'sedan' is preferred. Well, I have chosen the most reliable car --- Proton. Actually, Proton Saga 1.3 is not bad at all. It is one of the cheapest car around I could afford. Driving cars in Klang Valley could be an expensive experience ... the monthly instalments, the petrol, the maintainance, the tolls, the parking ... and the jams. Ideally, we should be staying near our working place and perhaps walk/cycle to offices.

If we are getting a larger car, we need to pay higher instalments(as it is more costly la), paying higher for petrol and difficult to park!! Wonder why we need big cars? Hmm ... to put more items and bring along with us?

It is not easy to be simple persons ... living with only items we need, occupying our time effectively and making  our time the most important commodity. It will be nice to live in not-so-hectic place(out of cities) and away from the jams. Balancing that will take me another 5 yrs or so ...

In the mean time, continue to focus what in hand, work hard to achieve our goals(financial) and increase our knowledge(financial) ... then, maintain our 'small' house and 'small' car. One fine day ... we will know we are 'rich' ... in knowledge and financial. Most important point to remember is to help others too.

great day ahead.


Monday, February 25, 2013

Stock Watch : JCY

JCY : At 50cents now, dropping another 9% today tho KLCI in green ... up 4points now.

When JCY at RM1.60, strong resistance and also its IPO level, I posted JCY ... and stating it is a sell. It was insane, as it moved from the low of 30cents to RM1.60 ... due to Thai-flood news? Really? To add to the fuel, many broker houses upgrade the sector and JCY. Great 'push' ... so, someone in i3-forum(can't remember the nick?) helping to push it higher ... stating a 'privitisation' in card with target beyond RM2 easily!! Since I was being 'banged', I just keep to myself. But, I just wish to help those many igorants who like to read forums and those buy/sell calls from some 'gurus'.

Technically, I highlighted shooting-star. That is a technical signal to sell. And recently when it broken 60cents, it is breaking strong support ... so, another sell point. Today, we shall check 0.485 ... and once broken, see you at 40cents ... that will be a good level to watch.

Worth to watch as they will 'push' it up again. Election is coming ... sell?


Sunday, February 24, 2013

Sunday blah-blah

Sunday ... just woke up from a nap ... too tired after a whole week of non-stop 'working'. A nap is good.

Remnant : Thanks, bro. You have a good new year ahead too. God bless.

cohort-9 : Well, started the class yesterday. The list in KIV waited for 3-4 months. So, as for cohort-10, I will not be taking in any KIV or so ... till I am done with this cohort, which will only ends in April. I shall take 2-3 months break and only start cohort-10 in August, perhaps. Thanks.

tratles : On Friday night, few of us gathered to 'celebrate' CNY and talk about stocks to look for during election.

angpows : My kids' angpows will be placed into their bank a/c ... and I am opening a trading a/c for them. Will get it ready for the election play ... then, once it is over ... I shall put it back into their ASB a/c. ASB giving 7% plus interests while our EPF reported to be giving 6.15%.

For sharing : You have two cows

SOCIALISM You have 2 cows. You give one to your neighbor.

COMMUNISM You have 2 cows The State takes both and gives you some milk.

FASCISM You have 2 cows. The State takes both and sells you some milk.

BUREAUCRATISM You have 2 cows. The State takes both, shoots one, milks the other and then throws the milk away.

TRADITIONAL CAPITALISM You have two cows. You sell one and buy a bull. Your herd multiplies, and the economy grows. You sell them and retire on the income.

VENTURE CAPITALISM You have two cows. You sell three of them to your publicly listed company, using letters of credit opened by your brother-in-law at the bank, then execute a debt/equity swap with an associated general offer so that you get all four cows back, with a tax exemption for five cows. The milk rights of the six cows are transferred via an intermediary to a Cayman Island Company secretly owned by the majority shareholder who sells the rights to all seven cows back to your listed company. The annual report says the company owns eight cows, with an option on one more.

AN AMERICAN CORPORATION You have two cows. You sell one, and force the other to produce the milk of four cows. Later, you hire a consultant to analyze why the cow has dropped dead.

A FRENCH CORPORATION You have two cows. You go on strike, organize a riot, and block the roads, because you want three cows.

AN ITALIAN CORPORATION You have two cows, but you don't know where they are. You decide to have lunch.

A SWISS CORPORATION You have 5,000 cows. None of them belong to you. You charge the owners for storing them.

A CHINESE CORPORATION You have two cows. You have 300 people milking them. You claim that you have full employment and high bovine productivity. You arrest the newsman who reported the real situation.

AN INDIAN CORPORATION You have two cows. You worship them.

A BRITISH CORPORATION You have two cows. Both are mad.

AN IRAQI CORPORATION Everyone thinks you have lots of cows. You tell them that you have none. Nobody believes you, so they bomb the crap out of you and invade your country. You still have no cows but at least you are now a Democracy.

AN AUSTRALIAN CORPORATION You have two cows. Business seems pretty good. You close the office and go for a few beers to celebrate.

A NEW ZEALAND CORPORATION You have two cows. The one on the left looks very attractive.

A GREEK CORPORATION You have two cows borrowed from French and German banks. You eat both of them. The banks call to collect their milk, but you cannot deliver so you call the IMF. The IMF loans you two cows. You eat both of them. The banks and the IMF call to collect their cows/milk. You are out getting a haircut.

Addition : A MALAYSIAN CORPORATION You have two cows. Both stayed in condo. Haha

This is good one, taken from my facebook.

A good read(shared by Dali) about how UMNO doing business. Great writing.

As election fever is nearing, everyone is getting more "emotional". Well, I shall skip the election fever. More importantly to share is how we should be preparing ourselves to profit from the coming election ... from the stock-market.

Koon Yew Yin : 

For nice reading ... non-political ....

Here are 14 things successful people do (or should be doing) on weekends:

1. Make time for family and friends. This is especially important for those who don't spend much time with their loved ones during the week.

2. Exercise. Everyone needs to do it, and if you can't work out 4 to 5 days during the workweek, you need to be active on weekends to make up for some of that time, Vanderkam says. It's the perfect opportunity to clear you mind and create fresh ideas.

“I know an owner of a PR firm who takes walks in the park with his dog to spark ideas about how to pitch a new client, or what angle to take with the press for a story,” Kurow says. Cohen suggests spin classes and outdoor cycling in the warmer months. “Both are energizing and can be organized among people with shared interests. For example, it is not uncommon for hedge fund folks and Wall Street professionals to ride together on weekends. It is a great way to establish and cultivate relationships based on membership in this elite professional community.”

3. Pursue a passion. “There's a creative director of a greeting card company who went back to school to pursue an MFA because of her love of art,” Kurow says. “Pursuing this passion turned into a love of poetry that she now writes on weekends.” “Successful people make time for what is important or fun,” Egan adds. “They make space for activities that add to their life balance.”

4. Vacation. Getting away for the weekend provides a great respite from the grind of an intense week at work, Cohen says.

5. Disconnect. The most successful people avoid e-mail for a period of time, Vanderkam says. “I'm not saying the whole weekend, but even just a walk without the phone can feel liberating. I advocate taking a ‘tech Sabbath.’ If you don't have a specific religious obligation of no-work time, taking Saturday night to mid-day Sunday off is a nice, ecumenical time that works for many people.”

6. Volunteer. “I know a commercial real estate broker who volunteers to help with cook-off events whose proceeds are donated to the Food Bank,” Kurow says. “The volunteer work provides a balance to the heavy analytical work she does all week and fulfills her need to be creative — she designs the promotional material for the non-profit.” Cohen says a lot of successful people participate in fundraising events. “This is a great way to network and to meet others with similar interests,” he says. “The visibility also helps in branding a successful person as philanthropic.”

7. Avoid chores. Every weekend has a few have-to-dos, but you want these to take the minimum amount of time possible, Vanderkam explains. Create a small window for chores and errands, and then banish them from your mind the rest of the time.

8. Plan. “Planning makes people more effective, and doing it before the week starts means you can hit Monday ready to go, and means you’ll give clear directions to the people who work for you, so they will be ready to go, too,” Vanderkam says. Trunk agrees. She says successful people plan their month and year because “if you get stuck on short-term lists you don't get anything big accomplished.”

9. Socialize. “Humans are social creatures, and studies of people’s experienced happiness through the day finds that socializing ranks right up there, not too far down below sex,” Vanderkam says.

Go out with friends and family, or get involved in the local community. “It has been demonstrated that successful people find great satisfaction in giving back,” Cohen says. “Board membership, for example, also offers access to other successful folks.”

10. Gardening/crafts/games/sports/cooking/cultural activities. This is especially important for those cooped up in an office all week. “For the pure joy, some folks find great satisfaction in creating beautiful gardens,” Cohen says. Kurow knows an attorney who uses her weekends to garden and do mosaics and tile work to satisfy her creative side. “Filling her life this way enables her to be refreshed on Monday and ready to tackle the litigation and trial prep work. Artwork for her is fulfilling in a way that feeds her soul and her need to connect with her spiritual side.”

Bridge lessons and groups can also sharpen the mind and often create relationships among highly competitive smart professionals, Cohen says. “I once saw a printout of a bridge club’s membership list; its members were a who’s who of Wall Street.” Theatre, opera and sporting events can also enrich one’s spirit, he adds.

11. Network. “Networking isn’t an event for a successful person, it’s a lifestyle,” Trunk says. Wherever they go and whatever they do, they manage to connect with new people.

12. Reflect. Egan says truly successful people make time on weekends to appreciate what they have and reflect on their happiness and accomplishments. As Rascoff said, “weekends are a great chance to reflect and be more introspective about bigger issues.”

13. Meditate. Classes and private instruction offer a bespoke approach to insight and peace of mind, Cohen says. “How better to equip yourself for success in this very tough world?”

14. Recharge. We live in a competitive world, Vanderkam says. “Peak performance requires managing downtime, too–with the goal of really recharging your batteries.” That’s how the most successful people get so much done.

Successful people know that time is too precious to be totally leisurely about leisure, Vanderkam concludes. “You’re not going to waste that time by failing to think about what you’d like to do with it, and thus losing the weekend to TV, puttering, inefficient e-mail checking, and chores. If you don’t have a busy workweek, your weekend doesn’t matter so much. But if you’re going from 8 a.m. to 8 p.m. every day, it certainly does.”

These are my today's read.

Time for nice dinner with family.

Have a nice 'chap-goh mei'.


Friday, February 22, 2013

KLCI at support

It is Friday ... where many people will be yelling TGIF ... and ready to party or have a nice planning for the weekend?

Not for me ... I am more excited to meet the new tratles coming in tmr for first class, Module 1. So, I do need to mentally prepare for it tho I have taught for 8 times, since Sep 2011(cohort-1). It is my cohort-9 ... well, I hope I will continue with cohort-10 but I will be taking a break after cohort-9.

KLCI closed 1614 yesterday ... what a turn-around as in the morning, it was losing more tan 10 points and I have covered the short. Phew. Now, we might see some rebound but that will not attract me much to take a trade ... and over the weekend, anything can happen? Will be discipline and maintain sideline.

JCY : Trading at 555 now. The strong shooting star shown before it gapped down with long black candle, trapping many retailers. If one is to follow a year ago when the thai-flood stories giving JCY a huge boost and it went all the way up to RM1.60 ... well, the noises in forum trapped many who are following the 'buy' call. Understanding how retailers being trapped is important so that we do not get trapped, but we could only 'avoid'. Not many will want to tell you the truth in trading or about markets as truth hurts.

Gold/Silver : Retracing now ... and it anyone interested to buy physical silver, someone is selling. Being a trader, paper gold-silver will be prefered.

9.40 am : KLCI open green ... u about 7 points, now slightly red? Axiata shot up due to div 15cents and 12 cents special div proposal.

time to go ...


Thursday, February 21, 2013

Slowing down

In yesterday's e-meeting with the tratles group, only 10 of them attended. Well, not many in market now as most of retailers waiting for the election to be announced or waiting for the election results. We can't deny that the results of the GE will affect the market sentiments ... and our stocks. So, to be safe(than sorry), staying sideline is one of a good option.

DOW down 100 points ... after reaching above 14k peak ... as the air is thinner now. While KLCI is retracing back to support 1610 level, it may have a short technical rebound ... may be to 1625. But, I do not see that as an opportunity. Too busy for short-trades, too busy and risky in such environments. Hence, I m giving any technical rebound a miss.

TM : It is interesting as it is below RM5.20 now, and I will like to check her at RM5. I told the group last night ... if there is any technical rebound I m seeing, it should be TM. For more details in the analysis, do visit ... click on 'blog'.

It is back to work and these coming weeks will be 'crazy'. I could not handle anymore new items in my hectic schedules. Just need to focus what in hand and trying to cope with many things to be done and just do it.

Averagely, I do have about 8 hours of teaching per day ... plus another few hours of completing some paper-works or teaching-related materials. I will be at this state of craziness for coming months ... till June.

I am going to take a break ... after June. Yes ... I will take a pause in some of the things I am doing. If I am still holding to my full-time job, that is OK as I m used to it. Then, with exams over by then, tuition classes will be slashed into half. Also, by then ... the e-learning group is 'over' and I won't be starting a new one till next year. As for the cohort-9 which starting this Saturday(a good timing as the election-play will be with them) ... till May ... I hope to take a break too .. till Sept, to start another trading-class(cohort-10).

The e-stock analysis will continue ... it is weekly analysis ... after all, I do analyse market in frequent basis and sharing with this group how I analyse will help many to understand. Hope they will continue after June and new batch will be joining in then.

The tratle's monthly meeting shall continue too, and that is only once a month, so it is good.

What will I do with my 'time' I am trying to find?

To be with my family!! Read, play and sleep!! Serious!! Haha.

Well, also to write more in less blah-blah here ... hmm ... with election over by then, I do hope to take a trip back to Sabah.

Time to get back to work and another 9 hours of classes to go ... one hour meeting and rushing for some papers. Arrghhh ...

1.40 pm : Done with 4 hours ... another 4 long hours to go before dinner and another e-meeting with the e-tratles group. Tiring ... but keeping the momentum is important.

KLCI down about 9 points. I have covered my short(short 1608, cover 1590.5). Taken the short 2 days ago, I think. I do post these in my stock-watch group too as nothing much to trade, the group is quiet too. Except for TM which I am interested, many else too risky for the trades. Will take a short position again.


Tuesday, February 19, 2013

Election fear

It is Tuesday ... to busy to write or check markets. Well, KLCI dropping 4 points, closed for lunch.

e-stock analysis : I had a meetin last night after a week off due to CNY. Well, I m sharing with this group(who was my e-tratles last year) sectors by sectors ... some of the stocks we should be placing in our 'shopping list'. As most retailers are sidelined, we need to check at what level we should be buying into and what stocks have the great potential, minus-ing the great risk too.

5pm : KLCI closed 5 points lower.

Nothing working in my mind except few clips which showing man could be great.

Have a great day.


Monday, February 18, 2013

Back to work ...

Monday morning ... the rush to schools/offices ... and the rat-race resumes.

I allowed myself to watch "Forrest Gump" which bought from the Unifi-tv for RM8 per movie. Then, I slept early last night ... preparing for a very long week ahead.

RED : Many are wearing red to office today, including me. So, I don't know if that will give an impact to KLSE? Lets see ...

Water : Part of our staff-room is flooded and some of us who put boxes/books under the desks have some watery-shock. Good sign ... more 'water' to come?


1. In the days of the print and electronic media Governments were able to exercise some control through licensing and laws. Liberal people condemn these controls because they deny freedom of the press. Freedom of the press is one of the fundamentals of democracy.

2. Then came the alternative media via the Internet. Governments not only find themselves almost incapable of controlling but the belief now rejects any attempt at control by the authorities. Actually there was always control by the owners, editors and even sub-editors.

3. In the alternative media just about anyone can put anything they like to say on the internet directly, with no managers, editors or sub-editors changing any of the contents. The freedom is almost total. This is the essence of democracy?

4. The first people to exercise this freedom are the purveyors of pornography. They promote their dirty pictures and blue films in the most explicit way. There is no censorship. And so children and young people now have access to this filth.

5. The effect is to undermine their moral completely. There can be no doubt that the increase in sex crimes such as rapes, child abuse, extramarital sex among young people, pregnancies, and illegal abortions, getting rid of unwanted babies by dumping them in rubbish heaps are partly due to access to pornography.

6. An unmarried couple put on the you-tube video clips of them having sex. They feel so proud of their shameful act. The Internet is also used to threaten ex-girlfriends with nude pictures of them.

7. Abusive language and racist remarks have also caused increased tension within society. Allegations of all kinds are made without any bases.

8. Now we are seeing doctored video clips being put on You Tube. A short video clip recently showed the PM asking the audience in Penang whether they were ready for the BN. They were loud cries of “No” from the crowd.

9. Now it has been found that this was engineered by bringing a group into the crowd, equipping them with video camera and microphones. When the PM asked “are you ready for BN” this group shouted “No” in response. It seem that the whole audience shouted “No”. Actually only the special group shouted “No” into their microphones. The “Yes from the big crowd was not recorded and not included in the video on You Tube.

10. Immediately this particular recording was put on You Tube and it went viral even though the video recording by others showing the crowd raising their hands and saying “Yes” was later put on You Tube, many do not bother to see it. They continue to believe in the fake video clips.

11. This is the direct result of the freedom offered by the alternative media. Lies can be made to seem to be the truth.

12. But the truth can also be made to look like lies. After an opposition leader was shown with a girl obviously having some kind of sexual relations, it was made to be a lie by showing how a video clip can be doctored.

13. A picture of President Obama is shown speaking at some kind of press conference. After finishing he was shown to walk off and he kicked violently at the door to open it.

14. Then a picture is shown of Obama speaking and then he walked off the stage through a door, which opened, without his kicking it. This was what really happened.

15. The purpose is to show how video clips can be altered. Therefore the opposition leader can claim that the pictures of him with the girl was actually not what happened, that it was doctored.

16. Thus truth can be made to look like a lie.

17. The new software available can alter movies and still pictures in any way one wants to. In the movie the “Life of Pi” there were numerous scenes of a fierce tiger on a small boat in the ocean with Pi.

18. Pi was real but the tiger was created through the magic of computer animation. It looks very real, growling and roaring and threatening the man. If one is not told one must be amazed at the scenes shown on the movies. Of course the picture “Avatar” is all computer animation, as are all the cartoons and the human/animal or human/caricature interactions.

19. While the alternative media gives everyone freedom to publicise whatever, the hackers and others can also block out the entrees of whomever they chose to. So far I have to change five sites for my blogs as somehow or other they were tampered with. People could not access my blog and effectively I was silenced. I lost the freedom of the media even more than when Government could deprive me of my freedom.

20. Frankly I would rather have the Government censoring me. The Government of this country is elected. If I don’t like what the Government is doing I can work for the rejection of the party which forms the Government. But there is nothing I can do to stop people who may wish to deprive me of my freedom through the alternative media

cohort-9 : A new trading-class to start this Saturday. Hope to deliver better as I am improving well.

This week schedules is rather packed. So, I won't be able to check on markets much. It has been a week or so I did not check the details of markets, and 'do nothing' is not easy. But it is necessary ... and do nothing, I will. Will only wait for time to short FKLI, and I do think CPO has bottom-out, will consider to long FCPO after GE13.

Some saying that we will have another strong wave upwards from here as a pre-GE rally, but I would rather give it a skip and watch ... checking opportunities. The property-stock-leader SPSetia and UEMLand are moving ... but most of property-stocks are lagging behind, drifting sideway or lower.

Ok, need to go back to work work work ...

Happy working.


Saturday, February 16, 2013

Penang Trip

It is great to be home ... and a start of more things to do now.

pic0 - yinson

On the way to Penang, I saw few Yinson's tanker. They stopped at Tapah's R&R.

The Penang trip was good. Ixora hotel is good too. It is next to Pacific, Megamal. But we need to travel to the island. If we are taking the bridge, it is near the hotel ... and it will be RM7 for the toll. Otherwise, we could go to to butterworth and take the ferry. That will be RM1.30 toll and ferry is RM7.70.

地点:Chew Jetty, George Town,Penang. 姓周桥 GPS:5.4123,100.340453


We did not manage to go to see the 'arts' ... so I bought a whole postcard-set of those nice murals ... 10 all together. Here is one of them sent to my facebook.

For more :

Visiting usual places such as Kek-Lok Si's Pagoda ... driving all the way up, parking was RM2.

Food : Penang's char-keuh teow ... tasted a very nice one at Sri Pinang's food court. Great. Going to Penang, food is one of main attractions.

Bukit Mertajam : It has been like 20 years plus since the last time I visited BM. Nothing much there.

Meeting : I met five Penang market-kaki ... and I do post a question everyone should consider to answer. Election is coming ... how should we prepare ourselves to benefit from the expecting sharp corrections? Thanks for taking time to meet me, guys.

Ivory : They told me that Ivory is opposition's counter. Worth a look, then.

I was told that today in Penang they have a festival ... but I could not stay back as I do have classes today. Too bad ... next year, may be?

As for markets, I have cleared my equities in KLSE, only considering to short FKLI at higher level. Nothing much to buy ... as we may have last pre-election push-up, which I viewed as too risky to be in the water. we might get bites by the water snakes ...

have a nice weekend.


Wednesday, February 13, 2013

Penang trip

It is almost 7.30am ... I will be driving up to Penang and will be meeting with few of my 'loyal' readers. Hotels in Penang Island were fully booked ... and it is not a choice but to stay in Seberang Jaya.

So, tonight I might be planning for a meeting with those who could see me in hotel and tmr I will be going to the the Island and planning to meet few there in the noon.

Nothing much in mind ... just to chit-chat with some of them ... and giving opinions on election-feared market. Sharing on ideas what we could do ... to protect ourselves and prepare to profit well in this 5-yr once events.

Those interested to meet, do contact me or leave a number for me to call.


4.35 pm : At Ixora ... wifi is free and quite good. Checking KLCI up 9 points ... waiting for moment to go short again. It is at 1633 ... 1650 is a good resistance level. I am giving away the current technical rebound as I am viewing risk as high.

SPSetia : Given to buy around RM3... and RM3.50. Many of them have sold much earlier and before CNY. Today it is up 7%. Cool.

YTL : With RSI at 16 level, it is worth to take a look. Strong support at 1.45, how low could it go from current level?

MPHB : Closed at 3.24 ... another one worth checking! 1600 lots sell-down during closing.

going to BM tonight ... bowling, anyone?

10.40pm : Went to BM ... quite disappointed with the bowling alley, only 24 lanes and not many people there. Weird .. I though it was the largest bowling alley in Malaysia? Hmm ...


Tuesday, February 12, 2013

Li Ka-Shing's Quotes

 His foundation :

42 Life Lessons and Business Quotes from Li Ka Shing

1. I was facing life for the first time. I was 12 years old, but I felt like a 20 year old. I knew then what life was.

 2. This was actually a more difficult job, but the prospects were better. I was confident about the bright prospects of the plastics industry and I told my boss that I would like to start my own business. I already knew a lot about the plastics business, including the technology, the market and sales.

3. The first year, as I didn’t have much capital, I did everything myself, which kept my overhead low. 

4. Buying land is not like buying antique. It is not the only deal available.

5. Despite my achievements, I can still remember poverty. I told my children and grandchildren that ‘The fruit that you eat will never taste as beautiful as the fruit that I ate during the turmoil of war. You will never cherish it as much as I do.’

6. I am very prudent financially because of those hard times I went through. I spent nothing. I had a haircut every three months. I shaved my head like a monk.

7. I needed to save every penny…I needed to be strong, and needed to find some way to secure a future. That’s why I am always conservative. I never forget to maintain stability while advancing, and I never forget to advance while maintaining stability. 

8. But how many times have you heard that Cheung Kong’s finances were in trouble over the last fifty years? Never; the reason is, we are always prepared for the worst. That is my policy.

9. I wasn’t lucky. I worked hard to achieve the goals I set for myself.

10. Vision is perhaps our greatest strength. It has kept us alive to the power and continuity of thought through the centuries; it makes us peer into the future and lends shape to the unknown.

11. I had a clear intention of taking over one of these companies with underperforming assets and developing it into a multinational corporation.

12. I bought land with my own cash. If somebody invites me to be a partner, and I take only 15% to 20% as a minority stakeholder, they would perhaps get a loan from the bank. But I had no personal debt. At that time, when Cheung Kong went public in 1972, the company had almost no debt. Even if the company had to borrow from the bank, we would have alternative arrangements, such as buying government bonds equivalent to the bank loan amount, to ensure that we can readily cash out at anytime. The interest income would continue to accumulate, while interest expense on the loan would be repaid monthly. So you see; our corporate finance is very conservative and prudent.

13. You can believe in Fung Shui if you want, but ultimately people control their own fate. The most important thing is to improve yourself and give it your best. Then many things previously thought to be impossible will become possible.

14. Broaden your vision, and maintain stability while advancing forward. That is my philosophy. 

15. Times were really tough in the beginning. When I started my business in 1950, I only had HK$50,000, so I was in a tight spot financially. I already had some work experience, but I had an advantage in competing with other companies. I was willing to learn the latest industry trends.

16. Businessmen must move with the times…the correlation between knowledge and business as the key to success is closer than ever.

17. I was already keeping an eye on the political developments within china, and I also had a firm grasp on economics, industry, management and the latest development and productions of the plastics industry. Not many people in Hong Kong at that time were aware of the potential. It was still quite new.

 18. You must know and understand your business like the back of your hand. Otherwise, your company would be here today, gone tomorrow.

19. Reputation is the key to success. You have to be loyal to your customers.

20. I was once an employee myself, so I know what employees want.

21. I have set boundaries for myself. There are certain business I won’t get into…This is my principle and I will stick to it.

 22. In the Han Dynasty, Xiang Yu was very brave and won many battles, but in the end he failed. Treat people with sincerity and build a good organization. Otherwise, it doesn’t matter how famous or how capable you are.

 23. If you think, then you will be prepared. If you are prepared, then you will have no worries. 

24. Before the Asian financial crisis stuck, the signs of a bubble economy were already glaring.

 25. I wake up every day just before 6:00 am and exercise and play golf for an hour and a half. I insist on reading before I go to bed at night. I am still energetic during the day. Your energy comes from being interested in your work.

 26. The more you know, the more prepared you will be when opportunity knocks. If you are lazy and wile your time away, you would not know how to take advantage of opportunities even if they stared you in the face.

 27. I want to build a corporation that not only the Chinese are proud of, but that even foreigners are impressed with.

 28. If you have done your best to make meaningful contributions, when it is time for you to go, all you will feel is a little tired, just like when the sun sets you need to take a rest. I just hope that I lead a full life.

 29. I was very careful. I had no debt (actually, I was not qualified for a bank loan at the time), but I knew my company’s finances like the back of my hand, and I could answer any question that anybody asked.

 30. The first year, as I didn’t have much capital, I did everything by myself, including the first set of account books. I needed to go the Inland Revenue Department, and I asked my auditor if my accounts were correct, since I had no experience doing accounting. He said that it was complete and that I could take this to the government. I had no experience, but I learned by reading books on accounting. When you want to understand the balance sheet, you needed to know a little bit about accounting. I did so many things by myself, which kept my overhead low. I have made a profit every year since 1950. I have never lost a penny in any year.

 31. My father had tuberculosis, which was as devastating a disease as cancer is today. If you were rich and could afford proper care, you might have a better chance. We had no choice.

 32. On New Year’s Day, the boss announced that the bonus that year would be based on sales. At the end of the year, my sales figure was seven times higher than the second best. If they paid my bonus based on my sales, my bonus would have been higher than the general manager’s. The other salesmen were already jealous. So I said to my boss, “Just pay me the same as the second best salesman; it would make everyone happy.” As a result, I became a manager when I was 17 going on 18.

 33. During my father’s time, our family finances were deteriorating. My uncles did not make any contribution to the family after they came back from Tokyo. I always had a fighting heart. I only had a small amount of capital when I started my own business. That’s why I am always conservative. I never forget to maintain stability while advancing, and I never forget to advance while maintaining stability. Stability and advancement must always be in balance.

 34. Our principal policy is never to take financial risk.

 35. You have to prepare for the worst-case scenario. If nobody buys your property, can you support your debt? For 56 years, especially after we went public, Cheung Kong has never had any financial problems.

 36. Doing business may be tough, but I am willing to learn, to innovate, and to work hard, which are the reasons why my business can continue to grow. We focus on our core competencies while looking for new areas for expansion. New businesses sometimes fail, and sometimes succeed. But the ones that succeed can be very profitable. This has been my experience. Setbacks and difficulties are ways to build character.

 37. First of all, I am an optimist. When you study hard and work hard, your knowledge grows, and it gives you confidence. The more you know, the more confidence you gain. When I was 10 years old, I lost my schooling, but I still had plenty of hope to return to school.

 38. I have worked hard to establish my business over the past decades, and now we are seeing the fruits of our labor. Not only is my group reaping the benefits, I am also able to make greater contributions to worthy causes.

 39. The most challenging issue raised by globalization is how we can all get along with each other in our race against time. Corporate leaders must possess far-sighted vision, detailed action plans, macro-thinking, and a global outlook. To get ahead in the race, they must also possess a deep understanding of their own organization and that of their competitors.

 40. I would like to do more meaningful deeds. I don’t care how much money or how much energy it takes. I have very simple needs. With the blessings that I have received, I have no need for more wealth. But if I can do more for mankind, for our people, and for our country, I would be more than happy to do so.

41. Well, I have my own definition for the term “retirement”. Life was extremely hard when I was young; today working without the burden of pressure to me is the same as the luxury of retirement. These few years, our Group has embarked on some new projects and is in exciting times. We plan all our projects meticulously. Our work is certainly challenging, but we are not under any pressure except for the pressure to outperform.

 42. Since many seem to be interested and concerned, I am happy to report that I am in good shape, and can rise to the opportunities and challenges of our times, and I embrace each project with enthusiasm. I also spend a lot of my time on education and medical care initiatives. This is a passion that I will never grow tired of. In fact, I consider it a lifelong endeavor.

Li Ka-Shing




第二份,用来交朋友,扩大你的人际圈。这就宽裕了。你的电话费可以用掉100元。每个月可以请客两次,每次150元。请谁呢?记住,请比你有思想的人,比你更有钱的人,和你需要感激的人。 每个月,坚持请客,一年下来,你的朋友圈应该已经为你产生价值了,你的声望、影响力、附加价值正在提升,形象又好,又大方。 




好了,这样熬了一年,第二年如果你还在拿2000元的收入,那就是你的不是了,这么不长进,活着也够丢脸的,看看有什么品牌的豆腐比较硬,买一点来,用头去撞吧。 月收入在3000元以下的,一定要兼职赚钱,不要穷,还很有个性,挑三拣四的,这个不愿意做,那个没有兴趣。收入不高,一定要非常勤奋,尽量去找跟销售有关的工作,销售等。这就是很不错的兼职工作,既可以认识很多有价值的人,又可以锻炼自己的信息收集能力和营销技巧。 

衣服啊,鞋子啊,这一年你是得尽量少买了。最好全部通过你的兼职赚的钱去买。当作奖励自己的一种方式。额外多赚钱的时候,记得买个礼物给你的爱人,谢谢他/她支持你的财务计划。很坦诚地告诉他/她,为何你那么勤俭,告诉他/她你的梦想和努力的方向。 到处都有需要帮助的生意人,兼职帮他们做点事情,去磨练自己的意志、口才、和工作能力吧,加上你的理财技巧,第二年,你的收入至少要增加到5000元。最低也应该是3000元,否则你收入的成长还赶不上通货膨胀呢。 无论你的收入是多少,记得分成五份。增加对身体的投资,让身体始终好用,增加对社交的投资,扩大你的人脉,增加对学习的投资,加强你的自信,增加对旅游的投资,扩大你的见闻,增加对未来的投资,增加你的收益。 

保持这种平衡,逐渐你就会开始有大量的盈余。这是一个良性循环的人生计划。身体将越来越好,得到更多的营养和照顾。朋友会越来越多,存储许多有价值的人脉关系,同时,你也有条件参加那些非常高端的培训,使自己各方面的羽翼丰满,思维宽阔,格局广大,性格和谐。而你,也就能够逐渐实现自己的各种梦想,购买自己的需要的房子、车子,并且给未来的孩子准备一笔充足的教育基金。 人生是可以设计的,生涯是可以规划的,幸福是可以准备的。现在就可以开始。在你穷的时候,要少在家里,多在外面。在你富有的时候,要多在家里,少在外面。这就是生活的艺术。

穷得时候,钱要花给别人,富的时候,钱要花给自己。很多人,都做颠倒了。 穷得时候,不要计较,对别人要好。富的时候,要学会让别人对自己好。自己对自己更好。穷要把自己贡献出去,尽量让别人利用。富,要把自己收藏好,小心别让别人随便利用。这些奇妙的生活方式,是很少人能够明白的。 穷的时候,花钱给别人看。富的时候,花钱给自己享受。穷的时候一定要大方,富的时候,就不要摆阔了。生命已经恢复了简单,已经回到了宁静。 

年轻不是过错,贫穷无需害怕。懂得培养自己,懂得什么是贵重物品,懂得该投资什么,懂得该在哪里节约,这是整个过程的关键。别乱买衣服,少买一点,但是可以买几件很有品味的。少在外面吃饭,要吃就请客,要请,就请比自己更有梦想的、更有思想、更努力的人。 一旦生活需要的钱已经够了,最大的花费,就是用你的收入,完成你的梦想,去放开你的翅膀大胆地做梦,去让生命经历不一样的旅程。 


无论你的收入是多少,记得分成五份进行规划投资:增加对身体的投资,让身体始终好用;增加对社交的投资,扩大你的人脉;增加对学习的投资,加强你的自信 增加对旅游的投资,扩大你的见闻;增加对未来的投资,增加你的收益。好好规划落实,你会发现你的人生逐步会有大量盈余。 

过去的一页,能不翻就不要翻,翻落了灰尘会迷了双眼。有些人说不出哪里好,但就是谁都替代不了! 那些以前说着永不分离的人,早已经散落在天涯了。收拾起心情,继续走吧,错过花,你将收获雨,错过这一个,你才会遇到下一个。 


From google-translate

(Li Ka-shing) taught five years to buy a car to buy a house.

 Suppose your monthly income is only 2,000 yuan, you can live well. I can help you put money into five parts. The first 600, second 400, third 300, fourth 200, fifth 500.

First : to the cost of living.

So little of the cost of living, can only be assigned to more than ten dollars a day. Sphacelotheca breakfast of a boiled, an egg, a cup of soy milk. Chinese food a snack, a fruit. Own to open a small focal dinner, cook some rice, plus two vegetables, a glass of milk before bedtime. So January's food is probably 500-600. However, if you are young, the body yet without too many problems this recipe, enough for you a few years there will be no health problems. 

Second : to make friends, expand your interpersonal circle.

This well-off. Your phone bills can be spent 100 yuan. A month to treat twice, each 150 yuan. Please who? Remember, please, than you thought, people have more money than you, and you need to be grateful. Each month, adhere to treat, one year, your circle of friends should have been generated for your value, your prestige, influence, added value is improving, sound and image, and generous.

Third, for learning.

Each month can have 50 -100 dollars used to buy books. Little money, buy a book we should read carefully, learn to learn with the spirit. After reading each book, put it into their own language to tell others to listen, to share with others can improve your credibility and enhance the affinity. Save it $ 200 per month to attend a training. Onward. High-income, or additional savings on to participate in more advanced training. Participate in good training, either free Make friends with similar, they can learn the truth usually is difficult to comprehend.

Fourth for tourism.

Reward yourself travel at least once. The growth of the life from the experience constantly. Travel to participate in the kind of free exercise, was admitted to youth hostels, the earth is not large, and every year to go out a few years, you can plug into the red flag map, many fond memories and become the driving force of life, more enthusiasm and energy to go to work.

Fifth, to invest. 

Save up first, can also be used to make the purchase of the capital, the small business is very safe products to sell to wholesale point deficit anyway not many make it both earn money, and earn the confidence and courage to also make to do things the experience. More money, you can start to buy long-term investment plan early to get a long-term protection to themselves and their families in the future, no matter what happens, there is an adequate funding to care, quality of life will not decline.

Well, this boil for one year, the second year if you still get the income of 2,000 yuan, is that you are not, so do not grow, alive enough shame to see what brand of tofu rather hard to buy point, with the head against it. The monthly income of 3,000 yuan, must be part-time to make money, not poor, but also very personal, pick and choose, do not want to do that. Income is not high, must be very diligent and try to find work with sales-related sales. This is a very good part-time work, both know a lot of valuable people, they can exercise their own information gathering capabilities and marketing skills. 

Clothes ah, shoes, ah, this year you have to try to buy less. All the best to buy through your part-time money. As a reward a way. The extra money when I remember to buy a gift to your lover, thank him / her to support your financial plan. Frankly told him / her why you are so thrifty, tell him / her in the direction of your dreams and efforts. Everywhere need to help the businessman, part-time help them to do something, to hone their own will, eloquence, and ability to work with your financial management skills, the second year, your income should be increased to at least 5000 yuan . Minimum should be 3,000 yuan, otherwise your revenue growth is also keeping up with inflation. Regardless of your income is how much, remember divided into five parts. Increase investment in the body, so that the body is always easy to use, to increase social investment, expand your network of contacts, and increase investment in learning, strengthen your self-confidence, increase investment in tourism, expand your horizons, increase investment in the future increase your income.

To maintain this balance, and gradually you will begin to have a lot of surplus. This is a virtuous circle of life plans. The body will be getting better and better, get more nutrition and care. Friends will be more and more, store many valuable connections, the same time, you have the means to participate in the very high-end training, so that all aspects of their own full-fledged, broad thinking pattern of the majority of harmonious personality. And you will be able to gradually achieve their various dream to buy their own house in need, the car, and to the children of the future to prepare a sum sufficient education funds.

Life is designed, career planning, and happiness can be prepared. Now you can begin. When you are poor, less at home, and more on the outside. When you're rich, you want to be more than at home, and less on the outside. This is the art of living.

Poor time to spend to others, when the rich, spend money to yourself. Many people have done upside down. Poor, do not care about the others better. Fu's time to learn to let others for their own good. Better for themselves. The poor should own contribution to go out, try to let others use. Rich, put their own collection of good, careful not to others casually use. These wonderful way of life, few people can understand.

Poor time to spend money for others to see. When the rich spend money to enjoy yourself. The poor must be generous, rich, do not ostentatious and extravagant. The simple life has been restored, and has been returned to the quiet. Younger are not at fault, without fear of poverty. Know how to develop their own, know what valuables, to understand what the investment, know how the savings where it is the key to the whole process. Freeze buy clothes, buy a little less, but you can buy some good taste. Less to eat out, eat on the dinner, please, please more than their dreams, more thinking, more efforts. Once enough money has been living needs, the biggest cost is to use your income to fulfill your dreams, to let go of your wings boldly dream to life experience is not the same journey.

Classic Quotes :
Harvard has a well-known theory: the difference lies in their spare time, a person's fate is decided between 20:00 to 10:00. Drawn two hours of time every night to read, study, think, or participate in the intention of lectures, discussions, you will find that your life is changed, adhere to a few years later, the success will be waving to you. 

Classic Quotes:
Regardless of your income, remember divided into five parts planning investment: increased investment in the body, so the body has always been easy to use; increase social investment, expand your network of contacts; increase investment in learning, strengthen your self-confidence Increased investment in tourism, expand your horizons; increase investment in the future, to increase your income. Good planning and implementation, you will find your life and gradually there will be a large surplus.

Classic Quotes:
The last one, can not turn, do not turn, turn over the dust will be lost eyes. Some people can not tell where the good, but is one alternative can not! Who spoke before never separated, already scattered in the horizon. Packed up the mood, to go, miss the flowers, you will harvest rain, missed this one, you will encounter next.

Classic Quotes:
Misunderstood slight smile, which is a literacy; been wronged when to calm smile, this is a magnanimous; suffer when the happy smile, which is an open-minded; helpless when can philosophical smile, which is a state of mind; distress when Tairan smile, which is an atmospheric; contempt calm smile, which is a sense of confidence; lovelorn time to gently smile, which is a species free and easy.

taken from the 'shares' in facebook.



Monday, February 11, 2013

CNY : Day 2

Morning .... 2nd day of CNY. No stock-markets today ... and no intention to check on stocks. Getting lazy for a week ... and getting back to do some back-log works, while being with family.

e-mail : I was deleting many of my e-mail in my ... so many junks there and I have to un-subcribe to many pages I was following. Many more to delete ... with about 5k e-mail ... deleting 1k plus so far.

facebook : Well, using my facebook as my 'dairy' now ... posting clips I m listening or things I am reading. It is also to remind myself to be resilient, persistence, positive ... and move on.

Penang trip : I should be in Penang from Wed to Fri. So, I m thinking of seeing those from the north and few of my regular-kaki on Thursday noon. Do contact me if you wish to meet ... up in Penang.

Investment :Properties

I was told that the apartment I am staying is reaching RM250k now, and someone selling for RM280k. Serious? Just a year ago, I bought at RM155k(reno around RM20k+) ... so, if I could really sell for RM280k, I won't mind!!

Before I bought this parcel, I was almost got a deal ... buying into court-10 around RM195k. I have even paid the deposit then ... but the seller chicken-out. Today, it is priced around RM350k(RM330 psf). Wow ... so, I am actually still looking for opportunities into property.

Well ... the prices of properties in Subang Jaya have appreciated substantially. We could not get anything below RM200k. Perhaps ... we could look for those in auction-lists?

There are many developments going on in my area ... vicinity/nearby. I view that positively. Many shoplots here not doing well ... and many with stickers for sale/rent ... and I started to view on that too ... as they will be building extension of LRT with new shopping-complex and offices coming up. More homework needed.

Kwasa Damansara is another good choice. Will write more about these as property buying is next in my mind ... say, 3-5 years to come. But, we need to be ahead ... and do homework now. More to learn about buying properties and especially those auctioned ones.

How about RGPT?

Need to go.


Sunday, February 10, 2013

Year of Snake : Increase our income

Welcoming the year of Snake, 2013.

The quadrants that shared by R.Kiyosaki are planted in my head. I have managed to keep it in my mind, making sure that I am moving into the 'right' direction, financially.

As most of us are working ... we are 'employee', the E-quadrant. If our salary if high, say above RM10k, that is good as we could have extra to save ... and to invest. Well, my salary is on averagely low bracket ... so, not even enough for monthly commitments. Therefore ... an extra work needed to supplement my meager salary. Most of lecturers/teachers will be giving tuition to do that ... and that is the S-quadrant. S = self-employed ... means that we find extra works to do ... and most of the time, being paid hourly. For some of us, we do 'OT' ... and many in our college is doing that. Willingness to use our extra hours to work is necessary.

Assuming that our salary is below RM5k. Most of the teachers' salaries are below RM5k. How can we increase our salary?

One of the way is ... getting promoted. But there are limited 'spaces' up there ... and most of the time, the stress level up there is much higher. Is it worth the increment for the stress and hours spent? The answer is a big 'NO' ... no way a lecturer wants to be promoted into admin-positions as most of the time,  teachers like teaching!! And the salary up there is limited too ... can't even reach RM10k, ok?

So, logically ... majority of the lecturers will be giving tuition after working hours. It is necessary ... and for many of us, the income from this S-quadrant is more that our full-time E-quadrant. That is great ... the more we work, the more we get. Few good tutors are earning above RM10k. I do know these few of them.

Then ... while most of our time taken up by our full-time job and part-time job ... we hardly have time for other things, right?

Now we have created two ways(pipeline) for our income. Income is NOT equal to salary, as I illustrated here. Our fixed salary is fix monthly basis ... with 5% increment yearly, and bonus about 2-months ... it is not to shout about in our salary-package scheme. We do need the part-time income ... which could be substantial.

Saving = Income - Expenses.

I have also mentioned how important it is to be 'frugal' ... as frugal as we could be. That doesn't mean that we are stingy ... we just do not simply use money unnecessary. So, while we are trying to increase our income ... we should maintain our expenses ... or checking on the list of our expenses, to see if we could reduce it further. Believe me, most of the time ... we over-spent. we do buying items that we may not use ... or at times, impulsive  So, I have came out with a way to 'control' my needs of using money ... and when think logically, I no longer feel the needs to buy anything much ... at all. That is great too.

When Income increases in yearly basis ... and maintaining our expenses(if possible), our extras could go into our Savings.

Using our TIME to THINK ... and to read good financial books is very important. The people we mix with, the change of mindset about money(and lives) ... is essential.


Use our time to increase our knowledge on how to increase our income and reduce our expenses.

Do read.

I will write about what we should be doing with our extra money ... into investing. But, most of normal Malaysians are still struggling with the concepts of "earn more, use less". Without this planted in our head, the savings could not come. It is always excuses that money-not-enough to save. I don't mind sharing what I have been doing for past 7-years ... in my quest of learning more about personal financial, from a complete financial-idiot to a person ... who have little knowledge about money.

Today ... at least I do not have 'bad' debts ... and learning to increase my 'good' debts. Growing our wealth certainly needs time and effort. We need to be persistent, discipline and be patience. I am only 30% into my journey ... of my financial freedom.

Share with all this simple clip. Listen and try to plant it in our minds.

Think of the 8 C's shared in the clip.

May year of snake a good year for our investments.

I am in peace ... with myself.

Be happy.


Saturday, February 09, 2013

Invest : Growing our money

Morning ... it is CNY eve ... I was listening to Chee-Wah's clips and this 'investing' clip is very interesting

I started to read Robert Kiyosaki's RDPD and then Cashflow Quadrant about 8 years ago ... 3 years before I am into KLSE. I started with doing some keropok-biz ... failed and came into stock-markets ... and doing very well now.

8th wonder of the world : Power of compounding

If we have saved the money since kinder time ... no need to go to school ... and continue to save the money ... till Uni time ... and save all the money ... to INVEST ... and with the compounding effects, we all could retire young!! What he said ... sounds 'logical' tho he is joking.

But ... investing is risky. What instrument(s) should we be investing for 30 years ... giving a consistent compounding interest? And with inflation rate, we should get compounding interest rate higher than the inflation rate. Logical?

Assuming that we could save 10% of our salary per month. Assuming our salary is RM4k(that is what average lecturers' salary). So, we are saving RM400.

By placing in banks(saving account or FD) is NOT a good choice. The inflation rate will eat-up or even higher that the interests we obtained.

So, what is the best investments in town? Buying Unit Trust or whatever investment-linked products may not be wise too ... as we are paying too high of fees to those agents etc etc. And they will not pay us high rates!!

One of the normal investment is buying a 'house'.

Another is stock-market!! Our own KLSE. Well, many good companies actually giving good dividends, which more that the banks rate. But, the risk of stock-market is there, of coz. Is that really so? Actually, the risk is managable ... it is just that many do not have the knowledge and wanting profits in shortest of time. Greed in play ...

Stock-markets giving me good return. Assuming a 10% gain in a year, and using our RM400(per month) and compound it for 10 years ... that is a lot of money. Assuming that our salary increases by 5% in a year ... and we are given 1 month bonus, which we place into our investment too. That is a lot.

An amount of RM10, 000 is compounding 10% per annum for 10 years ... the rate is (1.10)^10 = 2.593, and RM10k becoming around RM26k!!

Something to think about ...

To achieve a consistent 10% growth for 10 years is certainly not easy. While my ASB giving me around 7-8% interests ... where my 10% of salary being placed there. With the increase in salary, we should increase our savings/investments.

Something for me to ponder on ... and adjust my investment portfolio.

Another 3-years to come, I shall have done that for 10 years, and will use the money to get a landed-property. I am thinking of a place in RRI(Sg Buluh) as it will be a growing place in 15 years to come. While I have managed to get this apartment a yr plus for a good under-market value(RM155k ... now selling at RM220k) , I could always sell it off(or rent).

That is why we should be financially-educated. From how to increase our salary, increase our imcome ... reduce our expenses(being frugal) ... increase our savings ... grow it in years ... with patience ... and continue to look for opportunities ... we will one day manage to leave 'financially free'.

Do not use credit-cards if you are not discipline enough to pay off in total the balances on time.

Hope to write in length on what I have learned so far about growing our money ... and many young ones will be inspired to be determined to get their financial in good shape.

Gong Xi ... Fa Cai.


Friday, February 08, 2013

New Items

0400GA : Saw it trading today, listing at RM100 ... the most pricey stock trading in KLSE now. I think it is the new sukuk they were talking about. Have not checked on that.

CAP : Newly listed.. Consumer Association of Penang. Shot up to RM1.28 on first day for distributions to greedy punters, and now trading at 46cents.

Malakoff is the most waited IPO this year ... but with GE around the corner, retailers may not be so excited.

PETALING JAYA: Malakoff Corp Bhd's planned listing will lead to a deleveraging exercise of parent MMC Corp Bhd, giving the latter a healthier balance sheet and enhancing its future fund-raising abilities, said analysts.

This comes on the fact that post-Malakoff listing, MMC's stake in it will be reduced from 51% to 37.8%, rendering Malakoff an associate company rather than a subsidiary. MMC has a total debt of RM21.7bil, of which RM15bil is in Malakoff.

“The listing of Malakoff will make it an associate company and, therefore, take this debt off MMC's balance sheet,” opined CIMB Research in a report.

The research house said of the remaining RM6bil debt, RM2bil was in the Port of Tanjung Pelepas, RM1bil in Johor Port and MMC's water business, while RM3bil sat at the holding company level.

“The RM3bil of holding company debt is the main issue, with some of the proceeds from the Malakoff initial public offering (IPO) helping to lighten the load.

“The value of its land bank at RM25 per sq ft, theoretically if sold out, would net off all of the debt at the holding company level,” CIMB Research said.

On top of the listing, MMC has also indicated that it intends to actively start unlocking the value of its land bank, which is centred in the Iskandar region. MMC owns 2,634 acres of industrial land around the Senai airport.

Last month, MMC announced that the Malakoff IPO would involve 760.87 million shares, comprising a public issue of 500 million new shares and an offer for sale of 260.87 million new shares. The total number of shares up for sale in the IPO represented 30.4% of the company's enlarged share capital post-listing.

It has been widely reported that the IPO would be worth about US$1bil (RM3bil).

“Whatever the IPO fetches, one thing is certain MMC's balance sheet will improve overnight. Its (MMC) debt burden will be lightened and its balance sheet will improve tremendously, reducing its debt-to-equity ratio, giving room for it to raise fresh capital,” a local bank-backed analyst said.

The analyst added that a lighter MMC would enable the conglomerate to increase its dividends to attract investor interest, one of the reasons why the counter lacks shine at the moment.

Based on Bloomberg data, there are six analysts having a “buy” call on MMC, with two “holds” and one “sell”. Meanwhile, Malakoff said in its draft prospectus that it aimed to pay between 50% and 75% of its net profit as dividends. “We propose to pay dividends out of cash generated from our operations after setting aside the necessary funding for capital expenditure and working capital requirements.

“As part of this policy, our company targets a dividend payout ratio equivalent to between 50% and 75% of our consolidated profit, attributable to our equity holders under the MFRS (Malaysian Financial Reporting Standards), beginning Jan 1, 2013,” Malakoff said.

Taken from The Star 9th Jan 2013

REITS : Do consider some of them when market re-adjust.

CNY break is good time to do some readings and preparing for the GE stock-watch list. It is 4-5 yrs once ... in market to profit hugely. Current ruling gov has till 28th April ... and see if they will really drag till then. But, no trading ... till then. Just short term trading, profitting few dollars for some dinners, if lucky.

Charity : One of my e-tratle message me and said he wants to donate RM50 ... and thinking of placing it to my tratles charity funds. Well, I do not take money from others ... except passing the hats around to those of tratles who knew me personally, and wishing to contribute. For CNY, I will be too busy ... and with the left-over of RM1k, I hv bought RM500 items ... another RM500 to be bought next week and distribute all ... and the funds will be cleared. Next round of collections will be nearing to June, when I am slightly 'free'.

Penang Trip : I received an e-mail from a reader, citing that he wish to meet me if I really go to Penang. He has just added in one more reason for me to make the long trip up. Thanks. Will be glad to meet few readers. Most probably on 15th Feb as 14th Feb is a V-day?

Tonight will be a start of my cleaning session as I do still have classes till 6pm today. Tmr will be whole day clearing and cleaning. Phew ... many items and adding ... new items.

Have a nice time cleaning.


Thursday, February 07, 2013

CNY mood ...

As we are seeing reds in KLSE ... more seeing reds in place when we are going to give ANG-pow( ANG = red in Hokkien) ... decorating our homes with those red items ... wearing red shirts, red dress ... red shoes ... anything related to RED.

Painting the town red?
Really like this song ... and she sang it well.
While I am in extreme busy situation for today and tmr, and also in extreme stressful situation with due-dates ... I will still drop everything to enjoy the red-ness ... while checking on opportunities in reddish market.

angpow : It will be costing me more than half-month of my salary this year. But, it is a good sign ... showing that I could 'give'. Great.

teeth : I have taken off 3 teeth(wisdom and molar-2) for past 2 weeks. I am seeing blood and more red ... ever since that red-blood donation. Another to go after CNY. ouch. Well, it is costing me RM150 for each tooth.

tyres : Well ... changed 3 tyres ... as I might be travelling to Penang next week. Each costing me RM125. ouch.

mom-in-law : As I could not fly to KK(again), I m flying my in-law here, instead. I will like to bring her to Penang and more ... see where she likes to go. Well, my mom-in-law helped me a lot when I was very tightback in KK 7-years ago ... so, I am grateful.

updates: Next week one week break ... besides some travelling, going places ... I do need to do many more updating, especially my and also the e-learning. With cohort-9 coming in after CNY, more things to prepare. Exams is next month ... so, many more classes ahead.

Got to run again.
Do expect KLCI to dive lower ... good RED day ahead.

p/s : I am wearing red.

Stock Watch : MRCB

I have just analysed KLCI and some charts with my tratles. One of them is MRCB. At what level should we be buying?

MRCB : Closed at 1.25, heavily traded today ... is UMNO cashing out on her, preparing for election? This is GLC and politically-linked.

cohort-9 : Those interested to join my basic technical analysis and stock-trading group, please contact me. With election nearing ... we need to know how to protect our capitals .... and profit from the rebound.

Technical Rebound : i will be giving a talk soon after CNY. This is a must learn at this moment, when KLCI dipping lower. Catch the rebound!!

Penang Trip : Still not sure if I m driving up next week ... supposed to go for a trip in Dec but was too busy. Went Cameron, instead. Otherwise, I may go to Malacca ... but I prefer Penang. I could also meet few of my readers/stock-watch group ... those from Penang.

孟庭葦 --


Wednesday, February 06, 2013

Bear Day ... more to come?

It is lunch hour ... KLCI dropping 15 points.

TM : Going below RM5.30 ... I was watching at RM5.50 level but not buying anything ahead of CNY and GE. I have traded Axiata when KLCI dropped 40points, bought at Rm6.15 and sold at RM6.45 ... well, Axiata back to RM6.15 today. I found that the risk is too high currently for the technical rebound.

MRCB : Hit 1.22 low today ... so, still holding to UMNO-linked counters? The risk of GE is very clear.

So, I have cleared all my stocks ... ahead of that, and moving more funds into FKLI.

If you check the pulse of market ... you can't find much there ... it is quiet ahead of CNY holiday.

It is at 1618 now ... HSI dropped 500points yesterday ....

Off for lunch ... and more classes.

Well ... we do not need mom's day ... or CNY to be tell our mom(moms to me) that we do appreciate them. It is internal ... not the expression thru normal-chat ... it is love of parents ... un-conditional that touch our lives and heart.

Enjoy this project --- and do go home. Spread loves around.


Tuesday, February 05, 2013

Speculative stocks

In dauly basis, we will see some tiny penny stocks being actively traded. Well, most of these counters are without much strong fundamentals for us to buy into them. So, these are called speculative stocks. It will make us wonder who will be buying into them? They are cheap ... and a bit or two will give us profitss!! It could give quick profits!! So, it fits nicely into what greedy retails wanted : CHEAP and QUICK PROFIT.

But, cheap could not be good? Quick to shoot up also quick to dive down, right?

Etitech : I have posted the chart of Etitech (code : 0118 = yat-yat fatt!! wow) in

Some of active speculative counters trading today :-

Patimas : Into PN17 ... at 0.075 vs 0.08 today. Well, check the interesting chart.


and so on.

I have also wanted to write about CAP, TMS and Omedia. Well, won't have the time to do that. Perhaps, I will write more about speculative counters in pages.

Got to go for another 4 hours of classes.


Monday, February 04, 2013

CNY mood ...

Taken from the facebook, being shared. Saw these in Parkson(KLCC) yesterday ... selling for RM20 to RM50. Chinese like to paste these good meaningful wordings ...

May all have the 'fook' ... and we are selling all our stocks, to keep cash and relax ... while waiting for GE-show.

Be happy.



It is almost Monday ... kick-off Liverpool vs Man City.

There is always always two sides in many things ... in some, many sides. You could see that in politics-views ... in religions-views ... in opinions-wise ... where everyone has their own piece of mind. So, it is ok to support a team ... but I won't agree in looking down in our opponents, pressing others down ... to make ourselves look good/better.

I do have many friends loving Man Utd. In fact, one of my best friend is a die-hard MU fans. So, it is ok to have our own political views. Whether it is BN or PKR, we rakyat want to do well in our livings.

Many of times ... we discriminate. We want our opinions to be right. But, I guess it is OK if we are wrong ... to admit that and making our own judgments.

Whether it is a BUY or a SELL, it is still two-sided coin.

In my opinion, and from past 2008 experiences ... it is better to stay aside and keep cash.

We could never know what will happen next ... but indices or stocks could not push up with the fear-sentiment lingering.

Be aware.


Sunday, February 03, 2013

It is Sunday ...

Don't really feel like doing any work ... it is CNY mood ... terrible. I could not focus in work ... it is Sunday. I have to cancel classes and push many things ... hoping to settle slower ... to enjoy the moment.

Year of 'snake' ... I am not superstitious ...but I don't know if it will affect me(or mental) when I read about those fung-shui or those books ... stating that it is not really a good year for the 'goat'.

The GE is nearing ... and time to capitalize on the fear-election. PKR vs BN ... it will be a close fight, whichever government, we hope for a peaceful election ... a good prospering country.

Happy CNY ... and I will take a break, to be with family ... to do my back-dated works, updates many things needing my attention ... and hopefully to catch with some nice readings.


Saturday, February 02, 2013

CNY mood ...

DOW up 150 points ... wow ... we are above 14,000 feet level ... while KLCI is to rebound?

KUALA LUMPUR: Bursa Malaysia will drop 500 points if Pakatan Rakyat wins the coming general election, said Datuk Seri Dr Chua Soi Lek. The MCA president said any change in the government would bring political uncertainty and would have a direct impact on the national economy.

He said the impact of Pakatan Rakyat rule would be adversed as its dominant partner, PAS, had little or no interest in the economy. He said PAS was bent on implementing its brand of hudud law and setting up an Islamic state.

“PAS has also mentioned that it will close Genting (Highlands) and the Bursa. All these will frighten investors, be they locals or foreigners,” he said after opening the 64th anniversary celebrations of the Federal Territory MCA here yesterday.

Taken from : The Star

Chinese New Year is a week time ... I have not even pause for a while ... to think about the festival.

The most meaningful CNY-ad that I like. A good reminder ... when we are older, it is not the money, it is the companion.


Friday, February 01, 2013

Time to quit our job?

10 reasons why we should quit our job.

1) The middle class is dead. A few weeks ago I visited a friend of mine who manages a trillion dollars. No joke. A trillion. If I told you the name of the family he worked for you would say, “they have a trillion? Really?” But that’s what happens when $10 million compounds at 2 percent over 200 years. He said, “look out the windows.” We looked out at all the office buildings around us. “What do you see?” he said. “I don’t know.” “They’re empty! All the cubicles are empty. The middle class is being hollowed out.” And I took a closer look. Entire floors were dark. Or there were floors with one or two cubicles but the rest empty. “It’s all outsourced, or technology has taken over for the paper shufflers,” he said. “Not all the news is bad,” he said. “More people entered the upper class than ever last year.” But, he said, more people are temp staffers than ever. And that’s the new paradigm. The middle class has died. The American Dream never really existed. It was a marketing scam. And it was. The biggest provider of mortgages for the past 50 years, Fannie Mae, had as their slogan, “We make the American Dream come true.” It was just a marketing slogan all along. How many times have I cried because of a marketing slogan. And then they ruined it.

2) You’ve been replaced. Technology, outsourcing, a growing temp staffing industry, productivity efficiencies, have all replaced the middle class. The working class. Most jobs that existed 20 years ago aren’t needed now. Maybe they never were needed. The entire first decade of this century was spent with CEOs in their Park Avenue clubs crying through their cigars, “how are we going to fire all this dead weight?” 2008 finally gave them the chance. “It was the economy!” they said. The country has been out of a recession since 2009. Four years now. But the jobs have not come back. I asked many of these CEOs: did you just use that as an excuse to fire people, and they would wink and say, “let’s just leave it at that.” I’m on the board of directors of a temp staffing company with $600 million in revenues. I can see it happening across every sector of the economy. Everyone is getting fired. Everyone is toilet paper now. Flush.

3) Corporations don’t like you. The executive editor of a major news publication took me out to lunch to get advice on how to expand their website traffic. But before I could talk he started complaining to me: “Our top writers keep putting their twitter names in their posts and then when they get more followers they start asking for raises.” “What’s the problem?” I said. “Don’t you want writers that are popular and well-respected?” When I say a “major news publication” I am talking MAJOR. He said, “no, we want to be about the news. We don’t want anyone to be an individual star.” In other words, his main job was to destroy the career aspirations of his most talented people, the people who swore their loyalty to him, the people who worked 90 hours a week for him. If they only worked 30 hours a week and were slightly more mediocre he would’ve been happy. But he doesn’t like you. He wants you to stay in the hole and he will throw you a meal every once in awhile in exchange for your excrement. If anyone is a reporter out there and wants to message me privately I will tell you who it was. But basically, it’s all of your bosses. Every single one of them.

4) Money is not happiness. A common question during my Twitter Q&A, asked at least once a week, is “should I take the job I like or should I take the job that pays more money.” Leaving aside the question of “should I take a job at all,” let’s talk about money for a second. First, the science: studies show that an increase in salary only offers marginal to zero increase in “happiness” above a certain level. Why is this? Because of this basic fact: people spend what they make. If your salary increases $5,000 you spend an extra $2000 on features for your car, you have an affair, you buy a new computer, a better couch, a bigger TV, and then you ask, “where did all the money go?” Even though you needed none of the above now you need one more thing: another increase in your salary, so back to the corporate casino for one more try at the salary roulette wheel. I have never once seen anyone save the increase in their salary. In other words, don’t stay at the job for safe salary increases over time. That will never get you where you want – freedom from financial worry. Only free time, imagination, creativity, and an ability to disappear will help you deliver value that nobody ever delivered before in the history of mankind.

5) Count right now how many people can make a major decision that can ruin your life. I don’t like it when one person can make or break me. A boss. A publisher. A TV producer. A buyer of my company. At any one point I’ve had to kiss ass to all of the above. I hate it. I will never do it again. The way to avoid this is to diversify the things you are working on so no one person or customer or boss or client can make a decision that could make you rich or destroy you or fulfill your life’s dreams or crush them. I understand it can’t happen in a day. Start planning now how to create your own destiny instead of allowing people who don’t like you to control your destiny. When you do this count, make sure the number comes to over 20. Then when you spin the wheel the odds are on your side that a winning number comes up.

6) Is your job satisfying your needs? I will define “needs” the way I always do, via the four legs of what I call “the daily practice.” Are your physical needs, your emotional needs, your mental needs, and your spiritual needs being satisfied? The only time I’ve had a job that did was when I had to do little work so that I had time on the side to either write, or start a business, or have fun, or spend time with friends. The times when I haven’t is when I was working too hard, dealing with people I didn’t like, getting my creativity crushed over and over, and so on. When you are in those situations you need to plot out your exit strategy. Your hands are not made to type out memos. Or put paper through fax machines. Or hold a phone up while you talk to people you dislike. A hundred years from now your hands will rot like dust in your grave. You have to make wonderful use of those hands now. Kiss your hands so they can make magic. One can argue, “not everyone is entitled to have all of those needs satisfied at a job.” That’s true. But since we already know that the salary of a job won’t make you happy, you can easily modify lifestyle and work to at least satisfy more of your needs. And the more these needs are satisfied the more you will create the conditions for true abundance to come into your life. Your life is a house. Abundance is the roof. But the foundation and the plumbing need to be in there first or the roof will fall down, the house will be unlivable. You create the foundation by following the Daily Practice. I say this not because I am selling anything but because it worked for me every time my roof caved in. My house has been bombed, my home has been cold and blistering winds gave me frost bite, but I managed to rebuild. This is how I did it.

7) Your Retirement Plan is For Shit. I don’t care how much you set aside for your 401k. It’s over. The whole myth of savings is gone. Inflation will carve out the bulk of your 401k. And in order to cash in on that retirement plan you have to live for a really long time doing stuff you don’t like to do. And then suddenly you’re 80 and you’re living a reduced lifestyle in a cave and can barely keep warm at night. The only retirement plan is to Choose Yourself. To start a business or a platform or a lifestyle where you can put big chunks of money away. Some people can say, “well, I’m just not an entrepreneur.” This is not true. Everyone is an entrepreneur. The only skills you need to be an entrepreneur: an ability to fail, an ability to have ideas, to sell those ideas, to execute on those ideas, and to be persistent so even as you fail you learn and move onto the next adventure. Or be an entrepreneur at work. An “entre-ployee.” Take control of who you report to, what you do, what you create. Or start a business on the side. Deliver some value, any value, to anybody, to somebody, and watch that value compound into a career. What is your other choice? To stay at a job where the boss is trying to keep you down, will eventually replace you, will pay you only enough for you to survive, will rotate between compliments and insults so you stay like a fish caught on the bait as he reels you in. Is that your best other choice? You and I have the same 24 hours each day. Is that how you will spend yours?

8) Excuses. ”I’m too old.” “I’m not creative.” “I need the insurance.” “I have to raise my kids.” I was at a party once. A stunningly beautiful woman came up to me and said, “James, how are you!?” WHAT? Who are you? I said, “Hey! I’m doing well.” But I had no idea who I was talking to. Why would this woman be talking to me? I was too ugly. It took me a few minutes of fake conversation to figure out who she was. It turns out she was the frumpish-looking woman who had been fired six months earlier from the job we were at. She had cried as she packed up her cubicle when she was fired. She was out of shape, she looked about 30 years older than she was, and now her life was going to go from better to worse. Until…she realized that she was out of the zoo. In the George Lucas movie, THX-1138 (the name of the main character was “THX-1138″) everyone’s choices are removed and they all live underground because above ground is “radioactive.” Finally THX decides better to die above ground than suffer forever underground where he wasn’t allowed to love. He wasn’t free. He makes his way above ground, evading all the guards and police. And when he gets there, it’s sunny. Everyone above ground is beautiful, and they are waiting for him with open arms and kisses. The excuse “but it’s radioactive out there!” was just there to keep him down. “This is easy for you to say,” people say to me. “Some of us HAVE to do this!” The now-beautiful woman had to do it also. “What are you doing now?” I asked her. “Oh, you know,” she said. “Consulting.” But some people say, “I can’t just go out there and consult. What does that even mean?” And to that I answer, “Ok, I agree with you.” Who am I to argue? If someone insists they need to be in prison even though the door is unlocked then I am not going to argue. They are free to stay in prison.

9) It’s okay to take baby steps. ”I can’t just QUIT!” people say. “I have bills to pay.” I get it. Nobody is saying quit today. Before a human being runs a marathon they learn to crawl, then take baby steps, then walk, then run. Then exercise every day and stay healthy. Then run a marathon. Heck, what am I even talking about? I can’t run more than two miles without collapsing in agony. I am a wimp. Make the list right now. Every dream. I want to be a bestselling author. I want to reduce my material needs. I want to have freedom from many of the worries that I have succumbed to all my life. I want to be healthy. I want to help all of the people around me or the people who come into my life. I want everything I do to be a source of help to people. I want to only be around people I love, people who love me. I want to have time for myself. THESE ARE NOT GOALS. These are themes. Every day, what do I need to do to practice those themes? It starts the moment I wake up: “Who can I help today?” I ask the darkness when I open my eyes. “Who would you have me help today?” I’m a secret agent and I’m waiting for my mission. Ready to receive. This is how you take baby steps. This is how eventually you run towards freedom.

10) Abundance will never come from your job. Only stepping out of the prison imposed on you from your factory will allow you to achieve abundance. You can’t see it now. It’s hard to see the gardens when you are locked in jail. Abundance only comes when you are moving along your themes. When you are truly enhancing the lives of the people around you. When every day you wake up with that motive of enhancement. Enhance your family, your friends, your colleagues, your clients, potential customers, readers, people who you don’t even know yet but you would like to know. Become a beacon of enhancement and then, when the night is gray, all of the boats will move towards you, bringing their bountiful riches. – Don’t believe me. Stay with a boss that hates you. A job that is keeping you locked on a chain around your neck, tantalizing you with incremental increases in pay and job title. Stay in a culture that is quietly replacing the entire middle class. This is not anyone’s fault. These are the tectonic plates of economics destroying an entire suburban culture that has lasted for almost 100 years. Until you choose yourself for success, and all that choice entails, you will be locked into the prison. You will stare into your lover’s eyes looking for a sign that he or she loves you back. But slowly the lights will fade, the warmth of another body will grow cold, and you will go to sleep dreamless in the dark once again.

Taken from :