tag:blogger.com,1999:blog-367392602024-03-08T20:11:07.917+08:00KnowThyMoneyMoney & Opportunities are abound. Are you ready to grab it?Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.comBlogger971125tag:blogger.com,1999:blog-36739260.post-75304024075658772972020-07-26T19:49:00.000+08:002020-07-26T19:49:11.473+08:00Wary Of Such Scammy Posts in Facebook<br /><div><br /></div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><a href="https://www.nysenate.gov/sites/default/files/styles/760x377/public/press-release/main-image/scam-alert-770x544.jpg?itok=xkR0wbwD&timestamp=1558124639" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="377" data-original-width="760" height="242" src="https://www.nysenate.gov/sites/default/files/styles/760x377/public/press-release/main-image/scam-alert-770x544.jpg?itok=xkR0wbwD&timestamp=1558124639" width="486" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><div style="text-align: left;"><br /></div><div style="text-align: justify;">Seen alot of these being shared out on Facebook. These posts look sketchy, as they don't even mention how to do achieve the ludicrous gains. Instead they ask you to PM them. Lo and behold, many of the schemes asks you to invest a sum of money where the operator will so call invest in high risk instruments such as options.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><b>If it sounds to good to be true, it is likely not. If they claim they can generate such high return, why do they need to spend time spamming the same post on Facebook every day! Sounds begging to me!</b></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><b><u>Post #1</u></b></div><div style="text-align: left;"><div>Invest and earn WEEKLY</div><div>completely legal way</div><div>No need to sell stuffs </div><div>No need to beg</div><div>No need to worry getting scammed <font color="#ff00fe">(yeah, i am worried!)</font></div><div>Start small and build</div><div>**only few weeks left <font color="#ff00fe">(ah, playing with the scarcity effect)</font></div><div>So PM me first if you are really really interested and start straight away.</div></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><b><u>Post #2</u></b></div><div style="text-align: left;"><div>Im looking for a handful of people only who are really in need to earn extra cash in a weekly basis.</div><div>Weekly earning capability can be up to RM8700 per week or more if done right. <font color="#ff00fe">(if done wrong, and total loss how ah??)</font></div><div>Not scam,mlm or promoting anything. <font color="#ff00fe">( a robber saying that he is not a robber..sounds familiar???)</font></div><div>Potentially replace your salary if you do it right. Again only a handful of people im willing to help start. <font color="#ff00fe">(ever-so helpful to help people to part with their hard earn money) </font>So pm me directly if interested tq.</div></div><div style="text-align: left;"><br /></div><div style="text-align: left;"><b><u>Post #3</u></b></div><div style="text-align: left;"><div>Earn while you sleep while you can.<font color="#ff00fe"> (wah so easy ah, then everyone so stupid for working)</font></div><div>Rm3400 to Rm8700 per week</div><div>Earning is weekly based. Direct into your acc on the 7th day. </div><div>This is not moneygame,scam or mlm. Completely legal.<font color="#ff00fe"> (looks like NO shame in saying these statements)</font></div><div>Pm me for info tq</div><div><br /></div><div><br /></div><div><br /></div></div></div>Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-77339956045002718482020-07-18T14:01:00.002+08:002020-07-18T14:01:35.860+08:00How To Trade in US Stocks in 2020 For Malaysian<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://upload.wikimedia.org/wikipedia/commons/thumb/d/df/Uncle_Sam_(pointing_finger).png/446px-Uncle_Sam_(pointing_finger).png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="599" data-original-width="446" height="320" src="https://upload.wikimedia.org/wikipedia/commons/thumb/d/df/Uncle_Sam_(pointing_finger).png/446px-Uncle_Sam_(pointing_finger).png" width="238" /></a></div>
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<span style="font-family: Verdana, sans-serif;">My first post in 2020..lol. Still confinding myself to my own home and avoid going out to crowdy places in the current post recovery Covid19 timeframe. The stock market aka Wall Street is going uptrend while the Main Street is starting to see recessionary effects. (you now can see some of the restaurant and shops never re-open, as the strain of remaining close for the last 2 months or so while needing to sustain business cost such as rental, employee salary is just too overwhelming).</span></div>
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<span style="font-family: Verdana, sans-serif;">Rubber gloves are soaring to meteoric and dizzying prices :- some roughly 800%-1000% gains making companies such as TopGlove, Supermax, Harta, Kossan gaining additional BILLIONs of their stock market capitalization.</span></div>
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<span style="font-family: Verdana, sans-serif;">Digressing from the topic, </span></div>
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<span style="font-family: Verdana, sans-serif;"><u>So how to buy US stocks in Malaysia:</u></span></div>
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<span style="font-family: Verdana, sans-serif;">1. Open foreign stock trading account thru our local brokerages: CIMB, Maybank, Ambank, etc.</span></div>
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<li><span style="font-family: Verdana, sans-serif;">You can get 1:1 in person support from remisier or broker representative to answer and questions.</span></li>
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<span style="font-family: Verdana, sans-serif;"><b>Cons: </b></span></div>
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<li><span style="font-family: Verdana, sans-serif;">You need to do the necessary "paper" work. (dont notice any online sign-on)</span></li>
<li><span style="font-family: Verdana, sans-serif;">Very high brokerage fees in Malaysia making it not suitable to day trade or buying US stocks in small amount. Roughly >USD25 per trade (regardless of buy and sell)</span></li>
<li><span style="font-family: Verdana, sans-serif;">Cannot do short selling <b>(yes, i know most Malaysian will be very happy if we can do the true short-selling and NOT our "fake" BURSA restricted short selling</b>...hahaha or trade in more exotic investments such as options, ETF, forex.</span></li>
<li><span style="font-family: Verdana, sans-serif;">No real time stock price feed available</span></li>
<li><span style="font-family: Verdana, sans-serif;">Conversion rate from MYR to USD might not be so good. (you first need to convert your money to USD before you can trade US platform. And in some of the local brokers, you might need to convert to some intermediary currency first like SGD. </span></li>
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<span style="font-family: Verdana, sans-serif;">2. Directly open an international/US stock brokerage account (Etrade, Ameritrade-Schwab, InteractiveBrokers, RobinHood ). **Unfortunately, Robinhood is not open to non-US residents...</span></div>
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<b style="font-family: Verdana, sans-serif;">Pros: </b></div>
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<li><span style="font-family: Verdana, sans-serif;">Everything is done online (KYC, deposit transfer) and in a very speedy manner. And it is easy too. A new account can be opened within just a 3-4 days, provided of course you did your homework and gave them all the necessary legal KYC documents.</span></li>
<li><span style="font-family: Verdana, sans-serif;">Brokerage is very very cheap and lower. It can be like around USD1 to USD7 depending on broker.</span></li>
<li><span style="font-family: Verdana, sans-serif;">Live feed - depends on platform, either you need to pay or is free. Usually free means higher brokerage fees. (people need to earn money mah! Of course except the innovative "RobinHood". Go google on how they make money thru zero brokerage commissions).</span></li>
<li><span style="font-family: Verdana, sans-serif;">Conversion rate is very good in some platform. Note: I only observed a few platforms.</span></li>
<li><span style="font-family: Verdana, sans-serif;">Can trade multiple investment instruments: Options, Forex, ETF, etc.</span></li>
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<b style="font-family: Verdana, sans-serif;">Cons: </b></div>
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<li><span style="font-family: Verdana, sans-serif;">You might need to do some searching yourself on how to do everything online. Usually, the platform's online chat is very helpful to resolve most of your issues.</span></li>
<li><span style="font-family: Verdana, sans-serif;">You might need to overcome your "online" fears whether it is secure or not as most of this platforms are not from Malaysia. Hence always put your money and trade with the well established names like what i described earlier.</span></li>
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<span style="font-family: Verdana, sans-serif;">So instead of reinventing the wheel: </span></div>
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<b><span style="font-family: Verdana, sans-serif;">Here is a good guide by a fellow Malaysian (I assume)</span><span style="font-family: Verdana, sans-serif;">, Jerry Ng on the step by step way to open a international/US stock trading account. Credits to him.</span></b></div>
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<span style="font-family: Verdana, sans-serif;"><u>Interactive Brokers</u></span></div>
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<a href="https://medium.com/@ngshiheng/investing-in-us-stocks-from-malaysia-myr-usd-9f78c61f26cf">https://medium.com/@ngshiheng/investing-in-us-stocks-from-malaysia-myr-usd-9f78c61f26cf</a></div>
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<u>ETRADE</u></div>
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<a href="https://medium.com/@ngshiheng/investing-in-us-stocks-with-zero-trading-commissions-as-a-foreigner-810e82817671">https://medium.com/@ngshiheng/investing-in-us-stocks-with-zero-trading-commissions-as-a-foreigner-810e82817671</a></div>
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<span style="font-family: Verdana, sans-serif;">Will not go into deeper details on the comparison between Interactive Brokers vs Etrade platform for the time being. If you do have a questions, do feel post in the comments! If i know the answer, i can help to answer, else..it is Mr. Google. :)</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-82875154148777913022018-12-25T23:57:00.002+08:002018-12-25T23:57:43.197+08:00Guest Post: Becoming An Author<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #555555; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">Have you always wanted to become an author? Have you been wanting to write a romance novel, a thriller, a science fiction book, but don't know how? Do you know that writing an Ebook about your service or product will help your business? Click on this link to get help -> <a href="http://bit.ly/2RZWfKG">bit.ly/2RZWfKG</a></span></div>
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<span style="background-color: white; color: #555555; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">Well recently, my business partner actually did brought up that one day that I should write a book on our business adventures and tribulations. Well, I still having thoughts about this... Maybe when we reach a certain level of success that i should consider this.</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-69006925614303959912018-12-15T19:15:00.002+08:002018-12-15T19:15:56.751+08:00Google SCAM Screenshot<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://4.bp.blogspot.com/-MQX0kX17O3Q/XBTh10I04uI/AAAAAAAAEpk/Dlz-DRgU4oINkpeYhDb8HNKfiSeO2AnxQCLcBGAs/s1600/googlescam.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1600" data-original-width="1237" height="320" src="https://4.bp.blogspot.com/-MQX0kX17O3Q/XBTh10I04uI/AAAAAAAAEpk/Dlz-DRgU4oINkpeYhDb8HNKfiSeO2AnxQCLcBGAs/s320/googlescam.png" width="247" /></a></div>
<b>This is one sample of the google scam that spam my inbox today.</b><br />
<b>I supposedly will get 950,000 pound!! which translates to RM5Million!!</b><br />
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#If it is too good to be true, then it is likely to be scam</div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-88733367843157709272018-12-15T19:11:00.001+08:002018-12-15T19:11:06.822+08:00Guest Post:Cross Border Financial Planning In Canada<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="background-color: white; color: #16171a; font-family: Lato, Helvetica, Arial, sans-serif; font-size: 15px;">An RCA is perhaps the most effective and misunderstood tax deferment opportunity that exists in Canada today. It may be used for a wide range of situations, including small business owners, athletes, incorporated professionals, highly paid executives receiving yearly bonuses, and those approaching retirement. In 1986 it was recognized by the CRA that individuals not participating in a defined benefits plan suffered from pension discrimination. In other words, because of RRSP and IPP contribution caps, there was no effective way to use existing Canadian pensions provisions to duplicate the ability to save for one’s retirement under the defined benefits formula of: (average of best five earning years) * (number of years worked) * 2%. Without this, those not participating in a defined benefits plan may not be able to reach a full pension of 70% of pre-retirement income (known in pension circles as an 85 or 90 factor, depending upon the specific defined benefits plan).</span></div>
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<span style="color: #555555; font-family: Helvetica Neue, Helvetica, Arial, sans-serif;"><span style="background-color: white; font-size: 14px;"><b><u>Read more of the article here</u></b></span></span></div>
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<span style="background-color: white; color: #555555; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">URL: </span><a href="https://cardinalpointwealth.com/2018/12/03/retirement-compensation-arrangements-are-they-right-for-you/" style="background: 0px 0px rgb(255, 255, 255); color: #00b22d; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px; margin: 0px; padding: 0px; text-decoration-line: none; vertical-align: baseline;" target="blank">https://cardinalpointwealth.com/2018/12/03/retirement-compensation-arrangements-are-they-right-for-you/</a></div>
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Hashtag: Cross Border Financial Planning, Cross Border Tax Planning</div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-21083473204565335132018-06-14T13:56:00.001+08:002018-06-14T13:56:37.333+08:00Banking Software - Core Banking Software - Ewallet software<div dir="ltr" style="text-align: left;" trbidi="on">
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<img alt="Image result for ewallet" src="https://www.magedelight.com/media/catalog/product/e/w/ewallets-final-logo.png" /></div>
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<span style="background-color: white; color: #555555; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">Secure Paymentz is the best Banking Software Script for your Banking project. Get your core banking software as soon as possible.</span></div>
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<span style="background-color: white; color: #555555; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px;">website: </span><a href="http://www.securepaymentz.com/" style="background: 0px 0px rgb(255, 255, 255); color: #00b22d; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px; margin: 0px; padding: 0px; text-decoration-line: none; vertical-align: baseline;" target="blank">http://www.securepaymentz.com</a></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-5352704480808247152017-12-21T14:16:00.003+08:002017-12-21T14:16:59.844+08:00USA Loans Avenue<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://3.bp.blogspot.com/-7v0LxtSni28/WjtRJ28XC9I/AAAAAAAAElw/EgpsgFnG87Q9_oQRbqu5lND3eBuRWloLgCLcBGAs/s1600/2901488792284loan%2Bapproved%2Bwith%2Bno%2Bcredit%2Bhistory.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1128" data-original-width="1501" height="240" src="https://3.bp.blogspot.com/-7v0LxtSni28/WjtRJ28XC9I/AAAAAAAAElw/EgpsgFnG87Q9_oQRbqu5lND3eBuRWloLgCLcBGAs/s320/2901488792284loan%2Bapproved%2Bwith%2Bno%2Bcredit%2Bhistory.jpg" width="320" /></a></div>
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In the US, there is a lot of avenues to get loans for personal financing versus the options available in Malaysia. (Besides the Ah Long aka Loan Shark)</div>
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Below is a good link for the US folks on all the available options.</div>
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Loans Like Lendup</div>
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<a href="https://freesiteslike.com/sites-like-lendup/" style="background: transparent; color: #00b22d; margin: 0px; padding: 0px; text-decoration-line: none; vertical-align: baseline;" target="blank">https://freesiteslike.com/sites-like-lendup/</a></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-63127554090810471522017-12-18T23:03:00.002+08:002017-12-21T14:11:05.964+08:00I WILL BE BACK @2018<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://1.bp.blogspot.com/-aHJL4q9I5VY/WjfYRoyfZvI/AAAAAAAAElc/gW28ZWARRmMAx7tuP7F-5ZfhbH3pc1l1gCLcBGAs/s1600/iwillbeback.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="299" data-original-width="168" src="https://1.bp.blogspot.com/-aHJL4q9I5VY/WjfYRoyfZvI/AAAAAAAAElc/gW28ZWARRmMAx7tuP7F-5ZfhbH3pc1l1gCLcBGAs/s1600/iwillbeback.jpg" /></a></div>
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<span style="font-family: "verdana" , sans-serif;">Just noticed that I been so so much away from this blog of mine. And very much away from the personal finance scene. I have been busy with other interest of mine.</span></div>
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<span style="font-family: "verdana" , sans-serif;">So maybe i restart the blogging habits again in 2018?? New year resolutions?? lol..</span></div>
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<span style="font-family: "verdana" , sans-serif;">Many tales to write....</span><br />
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<span style="font-family: "verdana" , sans-serif;"><b>Meanwhile..some guest posting about the most spectacular asset rise in 2017..~480% !!!</b></span><br />
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-62099478839641464492016-11-08T22:37:00.001+08:002016-11-08T22:43:10.114+08:00U.S Presidential Face-Off Clinton Vs Trump<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "verdana" , sans-serif;"><b>Today is election day: The face-off between Clinton Vs Trump.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>I am rooting for Clinton as Trump is just un-fit/un-experienced/BS talker. Just listen at the presidential debates.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Nevertheless, since I am not a US citizen nor voters, the entire US election is like "wayang" to me. Trump reminds me of many of our local politicians. Maybe our politicians "mentality" infected Trump. </b></span></div>
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<span style="font-family: "verdana" , sans-serif;">It has been some time since i blog, and I am sad to see that my blog's html has been distorted, must be due to some changes to blogger itself.</span></div>
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<span style="font-family: "verdana" , sans-serif;">When I have time, I will come and fix it..now I am just too busy...</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-69128132750940030162016-05-07T00:01:00.000+08:002016-05-07T00:02:10.832+08:00Sarawak Votes 7 May 2016<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td class="tr-caption" style="text-align: center;">Here we go!!</td></tr>
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<li><span style="font-family: "verdana" , sans-serif;">Will Sarawak be BN's fixed deposit again? </span></li>
<li><span style="font-family: "verdana" , sans-serif;">Or Sarawakian will be demanding more dividend returns higher than the typical EPF? Autonomy.</span></li>
<li><span style="font-family: "verdana" , sans-serif;">20% oil royalty back to Sarawak? The PM already shot down this request!</span></li>
<li><span style="font-family: "verdana" , sans-serif;">Will Adenan's popularity give him the 2/3 majority?</span></li>
<li><span style="font-family: "verdana" , sans-serif;">Will blackouts happen again during ballot counting?</span></li>
<li><span style="font-family: "verdana" , sans-serif;">Will PKR & DAP squabbling for seats hurt them? (There are seats where DAP will also contest against PKR?</span></li>
<li><span style="font-family: "verdana" , sans-serif;">Will we see another "Apa Cina Mahu Lagi" headline after the elections? Right now the ruling party is trying to woo the chinese with alot of promises and money aids.</span></li>
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<span style="font-family: "verdana" , sans-serif;">Who knows? Just wait till tommorow ends. </span><br />
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<span style="font-family: "verdana" , sans-serif;"><b>I will be watching my twitter feed for FASTER results than the slow-mo TV.</b></span><br />
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<span style="font-family: "verdana" , sans-serif;"><b>Follow my twitter on @knowthymoney</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Oh ya, I think the so-called "in-removable" ink is no longer in use anymore!!!</b></span></div>
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<span style="font-family: "verdana" , sans-serif; font-size: large;">#1<b>75</b>8</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-4327149516553260242016-05-02T12:21:00.004+08:002016-05-02T12:21:41.528+08:00Malaysia Tax 2015 New Submission Dateline<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Verdana, sans-serif;">Looks like this year we will get a new dateline to submit your taxes. I submitted on the last day of April!! Hahaha..just in case.</span><br />
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<strong style="font-family: Tahoma, Verdana, arial, san-serif; font-size: 15px;"><u>ANNOUNCEMENT</u></strong><br />
<br style="font-family: Tahoma, Verdana, arial, san-serif; font-size: 15px;" /><span style="background-color: #d2ffff; font-family: Tahoma, Verdana, arial, san-serif; font-size: 15px;">PRESS RELEASE : ADDITIONAL TIME TO SUBMIT FORM BE FOR E - FILING </span><br style="font-family: Tahoma, Verdana, arial, san-serif; font-size: 15px;" /><br style="font-family: Tahoma, Verdana, arial, san-serif; font-size: 15px;" /><span style="background-color: #d2ffff; font-family: Tahoma, Verdana, arial, san-serif; font-size: 15px;">Inland Revenue Board of Malaysia ( IRBM ) would like to inform that the submission of Form BE Year of Assessment 2015 for e - Filing will be extended until 15 May 2016 .</span><br />
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<a href="http://www.hasil.gov.my/indexbi.php" rel="nofollow" target="_blank">See link here.</a></div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com1tag:blogger.com,1999:blog-36739260.post-43557947964956300882016-04-10T14:27:00.001+08:002016-04-10T14:46:21.678+08:00EquityCrowdFunding (ECF) Pitchin's 1st Attempt @Malaysia<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td class="tr-caption" style="text-align: center;">Waiting In Anticipation..</td></tr>
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<span style="font-family: "verdana" , sans-serif;">Recently Pitchin came to Penang to do a roadshow: Its purpose is to highlight & educate the general public that they are coming out with the <b>1st issuer</b> under the scheme around Mid May (I think). </span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Unfortunately, they decided to do the roadshow during the working hour weekdays! </b>So no idea on what is being presented. Did not see any slides on their official FB page after the event.</span></div>
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<span style="font-family: "verdana" , sans-serif;">Nevertheless, I don't think that it will be something new from what is presented before on <b>ECF structure and scheme. (Equity Crowd Funding).</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Doing a roadshow on a weekdays will probably leave out alot of the "retail investors" aka people like me who can allowed to invest up to RM5,000 per company and up to RM50,000 per year in the scheme as dictated by the LAW.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Nevertheless, I personally think in general, they must have targeted the higher end of the investors - the "Registered Angel Investors" & "Sophicated Investors". See the <a href="https://www.equity.pitchin.my/become-investor" rel="nofollow" target="_blank">definition</a> here on how much you need to earn to be allowed to join the club. </span></div>
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<span style="font-family: "verdana" , sans-serif;">Because I did not attend the roadshow, I am not sure whether they give a hint of the 1st issuer startup/business that they are going to promote. <b>First impression always count!! The business of courting investment funds is like wooing a girl that you like to go out on a 1st date! lol</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>The expectation is going to be high! because this is the 1st issue so they are right to be very selective. I am curious also about this :)</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><a href="http://www.knowthymoney.com/2016/03/crowdfunding-for-small-medium.html" target="_blank">Here is my extensive personal thoughts on ECF scheme</a>.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Nevertheless, Pitchin is going to take in "7% success fee" for the fund amount that successfully raised.</b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><b>Do note that it is not uncommon out there in the market that there are individuals/companies that takes commission also doing investor-business owner matching schemes. </b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Usually, the investors are high networth individuals, so normal "retail investors" will not have the chance to get into the "business/investment opportunities" #secretoftherich</b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><b>The only DIFFERENCE here is that ECF scheme has a legal framework for the investors to an certain extent.</b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><b>The COMMON thing is that there is NO guarantee that your investments will get good returns OR ANY RETURNS at ALL! </b></span></div>
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<span style="font-family: "verdana" , sans-serif;">What are your thoughts on this? Do post it in the comments below!</span></div>
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<span style="font-family: "verdana" , sans-serif;">Cheerios</span></div>
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<span style="font-family: "verdana" , sans-serif;">~Kris of KnowThyMoney.com</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-11008708214965262322016-03-27T18:37:00.001+08:002016-04-10T14:44:04.530+08:00Happy Easter 2016<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>Happy Easter! Alleluia the LORD has risen!</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>This year 2016 is a special extraordinary Year of Jubilee of Mercy declared by Pope Francis. It is the year of mercy. Typically, the Jubilee is only declared once in every 25 years. Here is where the Holy Door's at designated churches are opened for the faithful to walk thru. There are special indulgences that can be gain during this Jubilee of Mercy.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Today is Easter, so the Holy Week or Easter Triuduum has just ended. The triuduum starts with Holy Thursday, followed by Good Friday , Easter Vigil & Easter.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>So this year, I have the privileged of being called to be part of the 12 people (representing the 12 disciples) to have their feet's washed by the celebrating priest. Washing of the feet is a reproduction of what Jesus did to his disciples during the Last Supper where a Master washes the servant's feet hence instilling the value of "Servant Leadership".</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Even though I have been a Catholic for many many years, I am just the "bystander" during the event. I felt quite very nervous actually, as the celebrant Priest (<span style="color: red;">in the Catholic Eucharistic celebration, the celebrant Priest represents Christ!</span>) washes your feet and then kiss it after wiping it clean!! (I did not even remember the 'kissing of the feet part' actually is a norm after all this while as a Catholic!)</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>At first, I was hesistant to take up this opportunity (given to be out of the BLUE) for various reasons (1) shy; (2) another normal reason is that I, like Peter, the apostle feels that this abnormal; a Master should NOT stoop so low to wash his servants' feet. </b></span></div>
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<span style="color: blue; font-family: "verdana" , sans-serif;"><b>But after thinking for a few days, I decided to go ahead because I know this is a whisper and soft nudge from GOD to take part in this memorable event. And this year is special because it is the Jubilee Year of Mercy!! I don't want to miss this chance of the lifetime!!!</b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><b>It takes alot of humility to do this. Now, imagine the Pope doing such acts of humility throughout the centuries on every Easter!. And the Pope is the Vicar of Christ on earth!</b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><b>Pope Francis is quite a revolutionary Pope, he has broken some of the traditional norms of selecting the 12 folks for the washing of feet. </b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>a) Now women is also being selected as part of the 12. Typically, the norm is limited to guys to represent 12 male apostles whose feet is being washed by Jesus Christ. I just noticed the change of norm during this year's Easter. </b></span><b style="font-family: Verdana, sans-serif;">At first, I did not think much about it but looking at the article below , look like Pope Francis is the first to break such norms and followed by others.</b></div>
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<span style="font-family: "verdana" , sans-serif;"><b>b) Non Christians also can be selected to be part of the ritual. (again the norm was 12 christian males to represent the 12 apostles).</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>See the news!</b></span></div>
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<h1 class="article-title" itemprop="headline" style="-webkit-font-smoothing: antialiased; -webkit-tap-highlight-color: transparent; background-color: white; box-sizing: border-box; color: #181818; font-family: franklin-gothic-urw, Arial, Helvetica, sans-serif; letter-spacing: -0.03em; line-height: 1; margin: 0px 0px 0.3em; text-align: justify;">
<span style="font-size: large;">Pope Washes Feet of Muslim Migrants at Easter Week Mass</span></h1>
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<span style="font-family: "verdana" , sans-serif;"><b><a href="http://time.com/4271679/pope-muslim-migrants-brothers/?xid=fbshare">http://time.com/4271679/pope-muslim-migrants-brothers/?xid=fbshare</a></b></span></div>
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<span style="font-family: "verdana" , sans-serif;">HAPPY EASTER!!</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-22533336300986066452016-03-12T17:51:00.002+08:002016-04-10T14:44:14.959+08:00CrowdFunding For Small Medium Enterprise (SME) <div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="https://1.bp.blogspot.com/-oEusRRU7huU/VuPUurFhqeI/AAAAAAAAEcI/062RrRp7iIQcj-HdIxAkzMI_-gz02x9Mg/s1600/angelmoney.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="178" src="https://1.bp.blogspot.com/-oEusRRU7huU/VuPUurFhqeI/AAAAAAAAEcI/062RrRp7iIQcj-HdIxAkzMI_-gz02x9Mg/s320/angelmoney.jpeg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Good ideas means easy money will rush in??? </td></tr>
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<span style="font-family: "verdana" , sans-serif;">Attended a good introductory seminar by SAMENTA on the crowdfunding scheme in Malaysia; particularly crowdfunding for Small & Medium Enterprise (SME). </span></div>
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<span style="font-family: "verdana" , sans-serif;">Previously I read alot of about crowdfunding online and the recent development in Malaysia where the Securities Commission (yes, the same folks over-seeing Bursa Malaysia) have provided a LEGAL framework to legalize and standardize the crowdfunding process. </span></div>
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<span style="font-family: "verdana" , sans-serif;">6 crowfunding entities were given the license to operate in Malaysia. Despite Malaysia being the first country in SEA (yes, 1st) to have the legal framework set in stone, the crowfunding scene in Malaysia is still very very young.</span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Below are snapshots of the presentation slides. Just click on it for enlarged version.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Below is my personal opinion & summary on Crowfunding for equity in SMEs: (Perhaps in future posts, I will touch on the popular (In the US at least) reward based crowdfunding. The presenter in the seminar also noted some pro & cons in equity-based crowdfunding (E-CF) that I fully agreed upon.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. Being a investor in </b></span><b style="font-family: Verdana, sans-serif;">equity-based crowdfunding does not really make you a stakeholder or somehow who have a say in the management of the startup or company especially if you are a retail investor (ikan bilis). In short, you have NO SAY in the company's direction or management.</b></div>
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<b style="font-family: Verdana, sans-serif;">Remember crowdfunding scheme (at least in the US) initially a platform for innovators to appeal to the masses aka normal average guy on the street to put some small money into their innovations to bring it to reality. The power of collective.</b></div>
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<b style="font-family: Verdana, sans-serif;">2. Currently, there is NO clear cut way on how you can exit your investments profitably pre-IPO. Perhaps if the startup gets to the IPO stage, your investment can be converted to be shares. Statistically, in Malaysia there is a very slim chance that startup can get into that stage.</b></div>
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<b style="font-family: Verdana, sans-serif;">The presenter talked about the possible introduction and establishment of unlisted security market aka to allow the trading of unlisted "shares" of startup companies, here is where you can sell your crowdfunding shares to other investors to do an exit. This is still very far.</b></div>
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<b style="font-family: Verdana, sans-serif;">3. Investing in crowdfunding reminds me of the concept of cooperatives or "Kooperasi" concept will have been long established in Malaysia. Nevertheless, at least the cooperatives will have AGM for all its member where you can vote to pass/fail a motion.</b></div>
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<b style="font-family: Verdana, sans-serif;">Though i am not sure whether there is such requirements or entitlement for equity crowdfunding investors for SME.</b></div>
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<b style="font-family: Verdana, sans-serif;">4. Some crowdfunding entities do Peer to Peer lending (P2P), where they instead charge interest on the loan that they give to SMEs. Of course, the loans are at a HIGHER rate than banks. </b></div>
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<b style="font-family: Verdana, sans-serif;">This is to account for the risks that they take to invest in startups. Many startups die very young and many dont have any collaterals to be used as a pledge.</b></div>
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<b style="font-family: Verdana, sans-serif;">Some crowdfunding companies, I believe do insist on collaterals by the lenders. </b></div>
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<b style="font-family: Verdana, sans-serif;">I did not dig deeper on what happens if the lender defaults. <span style="color: red;">But I dont think you will be able to get 100% money back... there is NO claim of guarantee of capital protection!</span> yet! Let me know if there is such scheme by any crowdfunders.</b></div>
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<b style="font-family: Verdana, sans-serif;">Hence in such arrangement, crowdfunders should put some skin into any venture that is being proposed. Furthemore in most crowdfunding platform, the crowdfunders will typically charge some fees aka take commission upfront.</b></div>
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<b style="font-family: Verdana, sans-serif;">I need to read more whether there is an ANNUAL management fee for the P2P schemes. I need to check also whether there is a way to exit prematurely and the set conditions.</b></div>
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<b style="font-family: Verdana, sans-serif;">5. Yes, it is typical of crowdfunding to charge fees for their services to list SME's desire to get funding. </b></div>
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<b style="font-family: Verdana, sans-serif;">There is NO free lunch man..</b></div>
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<b style="font-family: Verdana, sans-serif;">A similar structure also exists for tech startups accelerators and incubators. I saw in the news that some accelerators/incubators got at least a whooping 8% for just RM50K investment.</b></div>
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<b style="font-family: Verdana, sans-serif;">If I am entrepreneur, I might say that it is just too much for too little money but for startup investors it might be justified as many many startups just fail in their 1st year.</b></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Conclusion: Because of the above points and the infancy of crowdfunding in Malaysia, you dont see many local startups getting crowdfunded. </b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>Just look at the 6 malaysian legalized crowdfunding online platform, and you will see that equity based crowdfunding for SMEs is not really flying per se..</b></span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com2tag:blogger.com,1999:blog-36739260.post-65932979584180901922016-02-28T21:05:00.001+08:002016-02-28T21:05:15.614+08:00KLSE Stock 3 Yrs Improving Revenue & Profit<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: Verdana, sans-serif;">Just looking thru some of the resilient stocks in KLSE.</span><br />
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<li><span style="font-family: Verdana, sans-serif;">Current rebound looks shaky. </span></li>
<li><span style="font-family: Verdana, sans-serif;">Low overall volume & value</span></li>
<li><span style="font-family: Verdana, sans-serif;">Top 10 highest volume dominated by losers.</span></li>
<li><span style="font-family: Verdana, sans-serif;">DJIA show weakness admidst strength </span></li>
</ul>
<br />
<br />
<br />
<a name='more'></a><br /><br />
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 448px;">
<colgroup><col span="7" style="width: 48pt;" width="64"></col>
</colgroup><tbody>
<tr height="32" style="height: 24.0pt;">
<td class="xl64" height="32" style="height: 24.0pt; width: 48pt;" width="64">Stock Name</td>
<td class="xl64" style="border-left: none; width: 48pt;" width="64">Revenue (2015)</td>
<td class="xl64" style="border-left: none; width: 48pt;" width="64">Revenue (2014)</td>
<td class="xl64" style="border-left: none; width: 48pt;" width="64">Revenue (2013)</td>
<td class="xl64" style="border-left: none; width: 48pt;" width="64">Profit (2015)</td>
<td class="xl64" style="border-left: none; width: 48pt;" width="64">Profit (2014)</td>
<td class="xl64" style="border-left: none; width: 48pt;" width="64">Profit (2013)</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=6602">BCB</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">394,478</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">278,507</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">164,679</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">47,958</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">43,594</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">21,408</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5196">BJFOOD</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">377,355</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">148,193</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">121,915</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">194,252</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">25,022</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">22,429</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7174">CAB</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">891,692</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">672,412</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">607,745</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">29,286</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">19,056</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">15,622</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=2925">CCB</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,580,024</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">922,463</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">644,976</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">68,525</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">15,532</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,347</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0107">EDUSPEC</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">76,008</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">58,422</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">34,091</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">11,949</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">8,768</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,100</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0090">ELSOFT</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">49,741</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">45,143</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">25,218</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">26,468</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">20,789</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">11,344</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=8613">ENRA</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">107,504</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">66,300</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">29,354</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">13,214</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">10,051</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">3,916</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0078">GDEX</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">196,759</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">158,698</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">135,154</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">31,314</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">24,272</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">19,255</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0021">GHLSYS</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">211,379</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">165,419</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">64,030</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">16,127</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">11,453</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">3,280</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=1147">GOB</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">445,747</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">352,131</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">268,434</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">59,891</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">53,765</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">42,840</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5160">HOMERIZ</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">146,419</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">127,176</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">112,905</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">33,518</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">26,450</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">20,566</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7141">HUATLAI</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,468,432</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,241,739</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">934,380</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">47,254</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">33,943</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">11,866</td>
</tr>
<tr height="40" style="height: 30.0pt;">
<td class="xl65" height="40" style="border-top: none; height: 30.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5062">HUAYANG</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">583,576</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">509,893</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">408,670</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">153,441</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">112,365</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">95,305</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5084">IBRACO</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">254,038</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">229,205</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">177,142</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">70,163</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">51,255</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">44,022</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0166">INARI</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">933,099</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">793,655</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">241,140</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">151,676</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">107,235</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">43,288</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=6262">INNO</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">115,052</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">57,809</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">32,541</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">26,718</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">10,723</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">4,502</td>
</tr>
<tr height="40" style="height: 30.0pt;">
<td class="xl65" height="40" style="border-top: none; height: 30.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5107">IQGROUP</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">193,987</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">171,388</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">141,315</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">27,292</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">12,727</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">2,960</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5371">KIMHIN</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">367,328</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">313,372</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">260,903</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">45,973</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">30,634</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">5,531</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7089">LIIHEN</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">546,822</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">397,928</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">316,000</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">71,983</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">35,758</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">24,582</td>
</tr>
<tr height="40" style="height: 30.0pt;">
<td class="xl65" height="40" style="border-top: none; height: 30.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5143">LUXCHEM</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">686,010</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">603,523</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">524,936</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">53,930</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">29,586</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">26,300</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=9571">MITRA</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">891,046</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">520,204</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">338,443</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">124,834</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">72,433</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">40,294</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0138">MYEG</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">141,518</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">109,872</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">76,484</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">68,212</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">50,711</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">34,565</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5827">OIB</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">219,662</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">97,910</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">83,695</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">35,774</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">16,922</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">9,349</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0040">OPENSYS</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">72,505</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">45,301</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">33,237</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">10,645</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">7,531</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">6,311</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=8966">PRLEXUS</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">350,340</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">294,113</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">235,545</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">31,511</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">24,236</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">19,369</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7084">QL</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">2,704,507</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">2,457,283</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">2,147,159</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">246,367</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">203,768</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">172,968</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0133">SANICHI</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">42,838</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">22,413</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">7,821</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">2,190</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,826</td>
<td class="xl67" style="border-left: none; border-top: none; width: 48pt;" width="64">913</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=5170">SCABLE</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,454,688</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">307,954</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">208,711</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">57,890</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">26,744</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">3,358</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0099">SCICOM</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">176,834</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">160,143</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">133,844</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">34,043</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">22,313</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">14,652</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=4731">SCIENTX</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,801,684</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,590,472</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">1,229,045</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">220,962</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">186,267</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">142,980</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=6017">SHL</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">230,296</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">204,930</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">182,114</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">124,057</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">74,530</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">47,031</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7246">SIGN</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">272,927</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">175,383</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">120,507</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">49,194</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">23,204</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">8,339</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7082">SYF</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">316,241</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">277,113</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">219,670</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">31,620</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">27,111</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">11,448</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=7200">TEKSENG</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">359,517</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">232,112</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">206,330</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">34,673</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">18,127</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">7,540</td>
</tr>
<tr height="20" style="height: 15.0pt;">
<td class="xl65" height="20" style="border-top: none; height: 15.0pt; width: 48pt;" width="64"><a href="http://www.malaysiastock.biz/Corporate-Infomation.aspx?type=A&source=R&value=4-5&securityCode=0101">TMCLIFE</a></td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">103,185</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">88,132</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">72,221</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">8,597</td>
<td class="xl66" style="border-left: none; border-top: none; width: 48pt;" width="64">6,740</td>
<td class="xl66" style="border-bottom-right-radius: 3px; border-left: none; border-top: none; width: 48pt;" width="64">2,122</td>
</tr>
</tbody></table>
<br /><br /><span style="background-color: white; color: #333333; font-family: "arial" , "helvetica" , "nimbus sans l" , sans-serif; font-size: 12px;"></span></div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-54197720853219206922016-02-10T13:02:00.001+08:002016-02-10T13:02:30.353+08:00Gong Xi Fa Cai Monkey Year 2016<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://3.bp.blogspot.com/-_A3SULaJRp4/VrrDIgTBg8I/AAAAAAAAEbU/4hO1Z7pcpxU/s1600/gongxifacai2016.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="Gong Xi Fa Cai" border="0" height="282" src="https://3.bp.blogspot.com/-_A3SULaJRp4/VrrDIgTBg8I/AAAAAAAAEbU/4hO1Z7pcpxU/s400/gongxifacai2016.jpg" title="Gong Xi Fa Cai" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Gong Xi Fa Cai 2016</td></tr>
</tbody></table>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">I want to wish everyone a Happy Lunar Chinese New Year and Happy holidays to all. Have fun and stay safe.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Gong Xi Fa Cai.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">It has been a very rainy chinese year this year, not many fireworks, in general the celebration has been muted because of the weather. (perhaps the economy this year plays a part?)</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Today is Chor 3 or Day 3 of Chinese New Year.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">And I already watch 3 movies at the Cinema once I am back at my hometown :P</span></div>
</div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-89058631694584214092016-01-26T20:52:00.003+08:002016-01-26T20:53:17.051+08:00Shanghai Drop Another 6% Today<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://2.bp.blogspot.com/-ra31isPNki0/Vqdqgk_gttI/AAAAAAAAEa8/Xw0V5Cx0qmc/s1600/chinaflag.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" src="http://2.bp.blogspot.com/-ra31isPNki0/Vqdqgk_gttI/AAAAAAAAEa8/Xw0V5Cx0qmc/s1600/chinaflag.png" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Shanghai Index Lost another 6%</td></tr>
</tbody></table>
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">Looks like -6% is becoming a norm for the China Market! </span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">Today...</span><br />
<span style="font-family: "verdana" , sans-serif;"></span><br />
<a name='more'></a><span style="font-family: "verdana" , sans-serif;"><br /></span>
<span style="font-family: "verdana" , sans-serif;">Shanghai<span class="Apple-tab-span" style="white-space: pre;"> </span>2,749.79<span class="Apple-tab-span" style="white-space: pre;"> </span>-188.73 (-6.42%)</span><br />
<span style="font-family: "verdana" , sans-serif;">Nikkei 225<span class="Apple-tab-span" style="white-space: pre;"> </span>16,708.90<span class="Apple-tab-span" style="white-space: pre;"> </span>-402.01 (-2.35%)</span><br />
<span style="font-family: "verdana" , sans-serif;"></span><br />
<span style="font-family: "verdana" , sans-serif;">Hang Seng Index<span class="Apple-tab-span" style="white-space: pre;"> </span>18,860.80<span class="Apple-tab-span" style="white-space: pre;"> </span>-479.34 (-2.48%)</span><br />
<span style="font-family: "verdana" , sans-serif;"><br /></span>
<br />
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>But our Bolehland Index managed to close with a gain of +1.4 at 1626.</b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>Btw, today our attorney general announces that there is nothing wrong in accepting 2.6Billion donation (that supposedly does not require any expected repayment in terms of favors) ! </b></span><b style="font-family: Verdana, sans-serif;">@.@</b></div>
<div style="text-align: justify;">
<b style="font-family: Verdana, sans-serif;"><br /></b></div>
<div style="text-align: justify;">
<b style="font-family: Verdana, sans-serif;">MALAYSIA BOLEH!!</b></div>
<div style="text-align: justify;">
<b style="font-family: Verdana, sans-serif;"><br /></b></div>
</div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-52359663801734005612016-01-24T16:40:00.002+08:002016-01-24T16:40:33.511+08:00Bearish January 2016<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/-gHdW96p1jLI/VqSFppWIjhI/AAAAAAAAEas/V-agD1b0AAE/s1600/ted-superjumbo.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="400" src="http://1.bp.blogspot.com/-gHdW96p1jLI/VqSFppWIjhI/AAAAAAAAEas/V-agD1b0AAE/s400/ted-superjumbo.jpg" width="273" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Bearish Market</td></tr>
</tbody></table>
<br />
<br />
<a name='more'></a><br /><br />
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">The market for this few weeks have been very bearish. Here are some notes that I captured & observe.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>1) Oil broke new lows to ~USD27: (who can expect this to happen when it was USD100 a few years ago, where everyone was shouting we were running out of oil reserves!)</b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Really a problem to oil exporters like Malaysia. Alot of VSS happening to O&G related companies. Even the mighty PETRONAS is impacted, issuing an internal memo (got leaked to social media) for its employee to brace for headcount reduction, expense reduction , etcs.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Even the Bank Simpanan Nasional issued a internal (got leaked again) directive to stop approving credit cards, house loans to O&G related employees, particularly targetting contract workers. For non-contract workers, they stil require strict screening from HQ.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Our national budget 2016 was done in respect to O&G royalties with the oil price at USD41, i believe. </span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">So our Government decided to stop all new application for JPA scholarship with ignited a heated negative feedback from the public, since all other government department particularly the Prime Minister Department budget did not get cut and it is one of the department whose budget is ever increasing YoY.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>2) DJIA, Hang Seng, SSE Index, Nikkei all break new lows this year.</b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Nikkei technically is in a bear market, since the index broke new lows. I believe that most of them should have broke their support levels.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>Our beloved KLCI is nearing the 1,600 support level. Maybe there is some resistant to fall beyond it. It closed at 1625 last Friday.</b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>3) USD/RM hit a high to ~4.40 during the market turmoil.</b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">Today it close at 4.27. Somehow help by the oil price rebound. </span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>4) Even export related KLCI counters got impacted.</b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">The overall market condition is bleak at least the past few weeks, hence not unexpected that even export related counters (perceived to profit significantly due to revenues earned in USD) got dumped too.</span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>5) The call/put KLCI warrant were NOT VIOLATILE in the TURMOIL.</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
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<span style="font-family: Verdana, sans-serif;">The call & put warrant did not see active participation during the turmoil. The premiums did not spike drastically like last bearish move to the <1600 font="" levels.="" nbsp=""></1600></span></div>
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<span style="font-family: Verdana, sans-serif;">It looks to be dampened down purposedly. It will kill those who take a quick punt on the call & warrants that is nearing its expiring date, where the premium is low and supposedly will track the KLCI index in a correlating manner. But then again, <b>BE WARN, the KLCI index is easily manipulated. Hence this is a high gain , high risk bet!</b></span></div>
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<span style="font-family: Verdana, sans-serif;">At least for Q1 2016, the market is still very bearish. </span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Maybe CNY 2016 (The Year of Monkey) coming soon will turn the SHEEPISH market to a joyful jumping uptrend Monkey-ing market. :P</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="background-color: white; text-align: left;"><span style="font-family: Verdana, sans-serif;">10 Signs We Know Malaysia's Economy Is Halfway Into The Gutters 2015</span></span><span style="text-align: left;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
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<span style="font-family: Verdana, sans-serif;"><a href="http://www.knowthymoney.com/2015/08/10-signs-we-know-malaysias-economy-is.html">http://www.knowthymoney.com/2015/08/10-signs-we-know-malaysias-economy-is.html</a></span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-41619217386556763832016-01-17T23:21:00.000+08:002016-01-17T23:25:31.592+08:00Project Silencer 2016<div dir="ltr" style="text-align: left;" trbidi="on">
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<tr><td style="text-align: center;"><a href="http://2.bp.blogspot.com/-FQgy87sNoDU/VpunQSYwH0I/AAAAAAAAEaY/i0LgQ7UXnBM/s1600/Quiet_Your_Thoughts_BSP.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="205" src="http://2.bp.blogspot.com/-FQgy87sNoDU/VpunQSYwH0I/AAAAAAAAEaY/i0LgQ7UXnBM/s320/Quiet_Your_Thoughts_BSP.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Silence is Golden</td></tr>
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<span style="font-family: Verdana, sans-serif;">I been not blogging for a while because I am very busy with work and my other projects. However this past months, I got a much needed reality check on so many fronts.</span></div>
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<span style="font-family: Verdana, sans-serif;">Here are the realization that I got based on the interaction with my friends (some among my closest friends.)</span></div>
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<span style="font-family: Verdana, sans-serif;">1. People don't usually share your dreams and aspiration of <b>SUCCESS ESPECIALLY</b> IF <b>they don't have any share in it or able to profit in it</b>. They prefer to wallow in your <b>NEGATIVITY</b> if they have a chance to do so.</span></div>
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<span style="font-family: Verdana, sans-serif;">I have to admit last time when I was very a young adult, I do have such thinking, simply because of envy. Deep down it was envy. I was envious of people able to do things that I could not do myself BUT yet un-willing to admit it because it would show a sign of weakness. </span></div>
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<span style="font-family: Verdana, sans-serif;">Rather than admitting it and accepting this fact, so internally we will compensating it by "pouring cold water" on other people's idea EVEN though you know it actually will have NO EFFECT at all whether a person can execute his/her dreams. </span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">But neverthless, my thoughts at that time were kept to my ownself. I don't like pouring cold water to people. But it was a behavioural thing/struggle that were unchecked.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">But as I grew older (hopefully more wiser), I do hope all my friend's ventures will be successful, because their success will be indirectly beneficial to me in the future. E.g such as future collaborations, leveraging resources, etc. <b>Of course, this is all provided that that person still remember his/her roots and don't turn out to be an proud & ungrateful asshole. </b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>People change especially when they are successful. And there is a chinese proverb that says that it is always very hard to SHARE the glory and rewards when times are good.</b></span></div>
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<span style="font-family: Verdana, sans-serif;">2. <b>You will not jinx something if you broadcast your dream and aspiration to others before it comes to fruitation.</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">This is something to do with the Chinese culture. For example, a pregnant lady cannot tell people that she is pregnant during the 1st trimester in case it may cause "harm" to the unborn baby.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">You need to broadcast your dreams because along the way you can able to like-minded people that can help you to achieve the dream TOGETHER. It is very hard to find people with the same vision as you.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">If something 'bad' really happens, it just happens by chance and not by the effect of broadcasting your un-fulfilled aspirations. Nevertheless, many people use this as just a lame excuse for their un-met and failure of their expectations.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">3. <b>Talk but NO Action.</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">A lot of people like to do this in their past time. They talk alot of doing such and such, but when it comes to execution, no one wants to do it or no one dares to do it.</span></div>
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<b style="font-family: Verdana, sans-serif;"><br /></b></div>
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</div>
<ul>
<li><b style="font-family: Verdana, sans-serif;">My concept is YOLO. (You Only Live Once) </b></li>
<li><b style="font-family: Verdana, sans-serif;">Dont wait for the stars to aligned, move your body (action) to aligned the starts. See here: </b><span style="font-family: Verdana, sans-serif;"><b><a href="http://www.knowthymoney.com/2014/01/dont-wait-for-stars-to-aligned-make.html">http://www.knowthymoney.com/2014/01/dont-wait-for-stars-to-aligned-make.html</a></b></span></li>
</ul>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;">And such, nowadays I have little patience to listen to people's repeated same issue even though I already gave countless advice to them, and yet they don't do to resolve anything it. Heck, I even excused myself from meeting up with them because I know it will be a problem listening session with the same problem repeated over and over again.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Sometimes I feel like I am an un-paid psychologist listening to non-paying clients.</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Unless you pay me (I have a small side income on this too recently...lol. I put my listening talent to good use.), it will be just a waste of my time.</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Conclusion, this post is to remind me to work hard to achieve my dreams, so in the future, I can look back and restrospect my thoughts. I just want to do it and show myself the RESULTS!</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b><br /></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Final thoughts to myself: Always stay with the positive energy, go away from the negative people!</b></span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com1tag:blogger.com,1999:blog-36739260.post-64669388402975400922016-01-04T22:46:00.001+08:002016-01-04T22:46:11.184+08:00Black Monday 2016<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://4.bp.blogspot.com/-NuearhZUHlI/VoqFMeuKlKI/AAAAAAAAEaA/e7emime02X4/s1600/Black-Monday.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="195" src="http://4.bp.blogspot.com/-NuearhZUHlI/VoqFMeuKlKI/AAAAAAAAEaA/e7emime02X4/s320/Black-Monday.jpg" width="320" /></a></div>
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<span style="font-family: Verdana, sans-serif;">What a start to 2016. 1st day of trading, the China Market got hit by a enormous drop of -7%, triggering a circuit breaker mechanism to halt the entire trading day.</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">Hence, our KLSE index also got hit badly.(-39.14). Ringgit has fallen to 4.34!</span></div>
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<span style="font-family: Verdana, sans-serif;"><br /></span></div>
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<span style="font-family: Verdana, sans-serif;">What a sucky start for 2016 for the stock market.</span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-76472810012097175242015-12-25T13:18:00.002+08:002015-12-25T13:18:32.254+08:00Merry Christmas 2015 <div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://4.bp.blogspot.com/-DWMNipuXHyQ/VnzQZ5k90DI/AAAAAAAAEZY/Zg1YnMqj5f4/s1600/christmasnativity.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="400" src="http://4.bp.blogspot.com/-DWMNipuXHyQ/VnzQZ5k90DI/AAAAAAAAEZY/Zg1YnMqj5f4/s640/christmasnativity.jpg" width="640" /></a></div>
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<span style="font-size: large;">Merry Christmas to all my Christian brothers and sisters. </span><span style="font-size: large;">Rejoice! for a saviour is born today!</span></div>
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<span style="font-size: large;">And a Happy long holidays for all my readers out there. Stay safe and have fun spending time with your families. </span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-53098101266078374942015-11-08T12:51:00.002+08:002015-11-08T13:08:58.812+08:00We All Deserves Happiness - A Single Guy Perspective<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://4.bp.blogspot.com/-BjKgeFwI9Wg/Vj7UduDwaMI/AAAAAAAAEYw/R4Gjzawj4J8/s1600/we_all_deserve_to_be_happy.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="320" src="http://4.bp.blogspot.com/-BjKgeFwI9Wg/Vj7UduDwaMI/AAAAAAAAEYw/R4Gjzawj4J8/s320/we_all_deserve_to_be_happy.jpg" width="240" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Simple Truth But Often Overlooked</td></tr>
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<span style="font-family: "verdana" , sans-serif;">Among the most popular topics that I have everytime I have a coffechat with my close friends is the following:</span></div>
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<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>1. When are you going to find a girlfriend/life partner?</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;">Well, I think this is a normal question posed especially married friends to single people they know of (I think they secretly wants you to feel the <strike>pain </strike>joy of marriage. I still think that you need to be mentally & financially prepared as you step down the aisle and take up heavy responsibilities. Being single can be fun too!. There is no harm of being single.)</span></div>
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<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;">The next question/comment is the one that <b>really PISSED me off</b> and got me to write this post.</span></div>
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<span style="font-family: "verdana" , sans-serif;"></span><br />
<a name='more'></a><span style="font-family: "verdana" , sans-serif;"><br /></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>2. You should lower down your expectations. Find some 'normal' girls instead of trying to aim for your 'dream' girl. (charateristics/patterns)</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;">Because they are my close friend, I do share with them who is my dream girl that I try to pursue. And they do noticed a few characteristics of the women that I like to pursue-> <b>smart, sociable, good background, etc. One of them is <a href="http://www.knowthymoney.com/2014/12/a-belated-merry-christmas-2014.html" rel="nofollow">QiQi</a>.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
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<span style="font-family: "verdana" , sans-serif;">Even those that do not know who the girl is, usually will 'advise' me to lower down my expectation and in my opinion of them <b>- 'simply pick a girl' and settle down. WTF right?!</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>I don't like to chase a girl just for a sake of finding a gf/activity partner etc. I only chase girl that I have sincere feelings for. Because of this, I am perceived as being choosy.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>I know I am not handsome or good looking like Brad Pitt, or damn rich or even a smooth talker. I have alot of in-</b></span><span style="text-align: left;"><span style="font-family: "verdana" , sans-serif;"><b>adequacies and flaws</b></span></span><b style="font-family: Verdana, sans-serif;">. But nevertheless, all this while, I never ever want to water down my expectations or follow their advice.</b></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif; font-size: large;"><b>WHY?</b></span></div>
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<b style="font-family: Verdana, sans-serif;">There are a fundamental reason to it, that I don't really give thought much about it until now.</b></div>
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<b style="font-family: Verdana, sans-serif;">When people tell you to lower down your expectations of the type of girls you like, what actually happens is that:</b></div>
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<b style="font-family: Verdana, sans-serif;"><span style="color: red;">THEY ARE TELLING YOU THAT YOU DON'T DESERVE A GIRL (YOUR DREAM GIRL) LIKE HER.</span></b></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><i><b>Even though I have alot of </b><span style="font-weight: bold;">inadequacies and flaws,</span> <b>I deserve to pursue my happiness; to try to win the heart of the girls of my dreams. <a href="http://www.knowthymoney.com/2014/01/welcome-2014-looking-back-2014.html" rel="nofollow">Even though I might get rejected or got friend-zoned that DOES NOT correlated to my 'deserveness</a>' because I worked hard to pursuit her.</b></i></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>WHY I AM PISSED INTERNALLY?!</b></span></div>
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<span style="font-family: "verdana" , sans-serif;">I don't mind staying single for some time until I find a girl that I like. I am not pissed becaused of that. <b>But I am pissed because I just realized that thru a period of time, if one is not careful the 'you are not worthy' or 'you don't deserve it' mentally can seriously negatively effect your thinking besides relationship.</b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
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<span style="font-family: "verdana" , sans-serif;"><b>You can easily led astray and start to think the following 'loser' mentality. (I will tell you why it is a loser mentality)</b></span></div>
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<span style="color: red; font-family: "verdana" , sans-serif;"><b>You don't deserve to be rich... </b></span></div>
<div style="text-align: justify;">
<ul>
<li><span style="font-family: "verdana" , sans-serif;">because it is not easy to be rich. Not everyone can be rich</span></li>
<li><span style="font-family: "verdana" , sans-serif;">because you need to know people to get the correct connections</span></li>
<li><span style="font-family: "verdana" , sans-serif;">Because you don't have the talents</span></li>
<li><span style="font-family: "verdana" , sans-serif;">Because you are not born lucky.</span></li>
</ul>
</div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
<div style="text-align: justify;">
<b style="font-family: Verdana, sans-serif;"><span style="color: red;">You don't deserve to get that job promotion or salary increase</span></b></div>
<div style="text-align: justify;">
<ul>
<li><span style="font-family: "verdana" , sans-serif;">because you are not so talented</span></li>
<li><span style="font-family: "verdana" , sans-serif;">because you might not able to cope with it with increased future responsibilities</span></li>
</ul>
</div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<div>
<span style="color: red; font-family: "verdana" , sans-serif;"><b>You don't deserve to be rich... </b></span></div>
<div>
<ul></ul>
</div>
</div>
<div style="text-align: justify;">
<ul>
<li><span style="font-family: "verdana" , sans-serif;">She is too GOOD for you. </span></li>
<li><span style="font-family: "verdana" , sans-serif;">She too pretty, smart, rich than you</span></li>
<li><span style="font-family: "verdana" , sans-serif;">You are damn fugly, short, fat, etc. How can you expect to find an some opposite with you.</span></li>
</ul>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>Notice all the reasons: All the reasons points a few fundamental things</b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;">1) It is the other people thoughts' that is being imposed on you. Imposing on being your 'deserving-ness' to get your goals and happiness. (<b>No one should know better than you that yourself)</b></span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>2) It is always being passive;</b> It gives the easy way out of not trying to do anything to change your fate/situation and just give up hope. Humans always like to take the easy way out, give up hope and blame the whole universe rather than blame yourself for not even trying.</span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;">3) <b>Being asked to lowering your goals/dreams/happiness goals/desires</b> is a slower version of people pouring cold water over you over time. <b>It can kill your desires and hope for a better future. It can lead to serious depression <span style="color: red;">(because you think that you don't have any control over your life. Of course you don't have control if you not doing anything to try to change it. It is like letting your hands off a car steering and expect it to cruise nicely down the highway)</span> and heck even kills you.</b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;">So this is the rebuke that I told my friend yesterday:</span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>I WILL continue to pursue high standards for the girls that I want to pursue. The life partner that I want. I will alway try to extend my friendship to them and if they do reject it, it is fine with me. There is no loss or no hard feeling. It is my right to extend my friendship as I am still single (it is not like I am cheating peoples' heart or 'trying to step into a few boats at one time').</b></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b>In short, I DESERVE to pursuit the girls of my dreams to be happy and because this is what I want.</b></span></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<ul>
<li><b style="font-family: Verdana, sans-serif;">I may lose countless battles, but the outcome of the war is uncertain and I will always keep on fighting and doing something to change my fate. I don't want to die standing still doing nothing without a fight!</b></li>
<li><b style="font-family: Verdana, sans-serif;">I don't wait for all the stars to aligned up in the sky, I move myself to aligned to it. I will make my own opportunities. (<a href="http://www.knowthymoney.com/2014/01/dont-wait-for-stars-to-aligned-make.html" rel="nofollow">That is how I got to know QiQi)</a></b></li>
<li><span style="font-family: Verdana, sans-serif;"><b>I apply these in different aspects of my life: work, business, investments. Never stop trying to hit my goals.</b></span></li>
</ul>
<div>
<br /></div>
<div>
<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>KEEP ON FIGHTING! </b></span></div>
<div>
<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>CARPE DIEM! SEIZE THE DAY!</b></span></div>
<div>
<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>We All Deserves Happiness!</b></span></div>
<div>
<span style="font-family: "verdana" , sans-serif; font-size: large;"><b><br /></b></span></div>
<div>
<span style="font-family: "verdana" , sans-serif; font-size: large;"><b>Kris</b></span></div>
</div>
<div style="text-align: justify;">
<span style="font-family: "verdana" , sans-serif;"><b><br /></b></span></div>
</div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com1tag:blogger.com,1999:blog-36739260.post-38963402850792620492015-11-05T22:34:00.001+08:002015-11-05T22:34:07.768+08:00The Bright Side of the Falling Ringgit<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://3.bp.blogspot.com/-aZ-O-sRnudk/VjtnrpBSkWI/AAAAAAAAEYY/u2R-uMuSsRc/s1600/The%2Bfalling%2Bringgit.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="money" border="0" height="144" src="http://3.bp.blogspot.com/-aZ-O-sRnudk/VjtnrpBSkWI/AAAAAAAAEYY/u2R-uMuSsRc/s320/The%2Bfalling%2Bringgit.jpg" title="money " width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Money Money</td></tr>
</tbody></table>
<br />
<div class="separator" style="clear: both; text-align: center;">
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/-T5RXi65Guf8/Vjtn2VMUsZI/AAAAAAAAEYg/lBlbHRvgeBk/s1600/The%2Bfalling%2Bringgit%2B2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img alt="rm50" border="0" height="144" src="http://1.bp.blogspot.com/-T5RXi65Guf8/Vjtn2VMUsZI/AAAAAAAAEYg/lBlbHRvgeBk/s320/The%2Bfalling%2Bringgit%2B2.jpg" title="rm50" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Ringgit has fallen</td></tr>
</tbody></table>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY" style="font-family: Verdana, sans-serif;">This is a guest post from my friend, Michael Vincent. You can follow him on his twitter handle </span><span style="background-color: white; color: #444444; font-family: Verdana, sans-serif; text-align: left;"><b>@mmichaels_21</b></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">With the Malaysian Ringgit (RM) plummeting to
a <a href="http://www.themalaysianinsider.com/malaysia/article/heres-why-the-ringgit-rout-isnt-slowing-and-how-bad-things-could-get" rel="nofollow">17-yearlow</a> against the United States Dollar (USD) at RM4.28 to USD$1*, it is now
the worst performing currency in Asia. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<i><span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;">*As of 4
November 2015<o:p></o:p></span></span></i></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"></span></span></div>
<a name='more'></a><span style="font-family: Verdana, sans-serif;"><br /></span><br />
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">Several factors have contributed towards
the ringgit’s slide, such as the decrease in global <a href="http://www.bloomberg.com/news/articles/2015-06-05/malaysian-ringgit-drops-most-in-asia-this-week-as-crude-declines" rel="nofollow">crudeoil prices</a>, China’s devaluing of its currency, the drop in Bank Negara
Malaysia’s<a href="http://www.themalaysianinsider.com/malaysia/article/bank-negaras-international-reserves-dip-further-to-us94-billion" rel="nofollow">foreign exchange reserves</a>, financial scandals and growing political
uncertainty in recent months.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">While global investors and financial gurus are
keeping an eye on how the situation develops, the truth is the sliding ringgit can
have both a good and bad effect on the lives of ordinary Malaysians. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">First up, let’s take a look at how the how
the devalued ringgit can negatively impact our lives.<o:p></o:p></span></span></div>
<h2 style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif; font-size: small;">The Disadvantages of the Falling Ringgit<o:p></o:p></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">Less
Spending Power Abroad<o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">The lower foreign exchange rate for the
ringgit against other currencies means that it has less value when converted to
Singaporean Dollars, Indonesian Rupiahs, Thai Baht and other foreign currencies.
Hotels, food and souvenirs abroad will be pricier and Malaysians will now have
to think twice about going abroad as the cost of studying and travelling has
risen up drastically.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">The
Rising Cost Of Inflation <o:p></o:p></span></span></b></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span lang="EN-MY" style="line-height: 115%;"><br /></span></span></div>
<div style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span lang="EN-MY" style="line-height: 115%;">As the value of the ringgit depreciates, the
cost of importing goods into Malaysia will trickle down and be felt by Malaysian
consumers. Many raw materials and components are imported into the country and the
increased expenses of means local </span>manufacturers will have to raise their prices.
If you want to save more, consider buying commonly-used household items in bulk
to reduce your spending.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">Pricier
Products And Services <o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">With the price of products and services going
up while the spending power of Malaysians remains unchanged, we may end up splashing
out more money for the very same services we used to enjoy. One method to
prevent this from greatly affecting your lifestyle is to start budgeting wisely
and cutting off any unnecessary spending.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">While the financial and economic challenges
faced by Malaysians are all too real, there is a silver lining to the cloud
hanging over the ringgit. <o:p></o:p></span></span></div>
<h2 style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif; font-size: small;">The Advantages of the Falling Ringgit<o:p></o:p></span></span></h2>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">More
Demand For Malaysian Exports<o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">The weaker ringgit makes it affordable for
foreign companies looking to purchase Malaysia’s exported goods such as palm
oil, integrated circuits (e.g. semiconductors or chips) and natural gas. Local
businesses who export domestic products overseas to markets like China, Europe
and USA also stand to make a profit from the higher sales volume.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">More
Foreign Tourists In Malaysia<o:p></o:p></span></span></b></div>
<div style="text-align: justify;">
<span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div style="text-align: justify;">
<span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;">Unlike Malaysians who might feel the pinch
of the weaker ringgit while travelling abroad, holidays in Malaysia are now
even more affordable than ever before for foreign tourists. In 2014, 27.44
million tourist arrivals with RM72 billion in receipts were <a href="http://corporate.tourism.gov.my/research.asp?page=facts_figures" rel="nofollow">recorded</a>
in Malaysia. With so many tourists coming in to the country, local
entrepreneurs and shops can benefit from this by offering unique products and
services that can only be found in Malaysia and even <a href="http://www.comparehero.my/credit-card/cashback" rel="nofollow">offering cashbackincentives</a> if they buy a certain amount.</span></span></div>
<div style="text-align: justify;">
<span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<b><span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">More
Foreign Direct Investments<o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">Many foreign
investors will be looking to diversify their foreign investments and the weaker
ringgit makes it more affordable for these investors to operate in Malaysia. According
to Deputy Finance Minister, Chua Tee Yong, <a href="http://www.mida.gov.my/home/2819/news/malaysia-record-gdp-growth-of-5.3pc-in-first-half-says-chua/" rel="nofollow">foreigninvestments in Malaysia</a> have reached up to RM477 billion* in June 2015. <o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span lang="EN-MY"><span style="font-family: Verdana, sans-serif;">With large
multinational corporations (MNC) like <a href="http://www.themalaysianinsider.com/malaysia/article/penangs-production-sector-gets-rm1-billion-boost" rel="nofollow">Seagate</a>
in Penang and <a href="http://www.mida.gov.my/home/2035/news/hershey-to-invest-us$250million-in-a-new-plant-in-malaysia/" rel="nofollow">TheHershey Company</a> in Johor already
having an established presence in Malaysia, other MNCs may follow suit and set
up shop in Malaysia, opening up new local job opportunities.<o:p></o:p></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<i><span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;"><br /></span></span></i></div>
<div class="MsoNormal" style="text-align: justify;">
<i><span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;">**Source:
“Malaysia record GDP growth of 5.3pc in first half, says Chua”, News Straits
Times Business via Malaysian Investment Development Authority. <o:p></o:p></span></span></i></div>
<div style="text-align: justify;">
<span lang="EN-MY" style="line-height: 115%;"><span style="font-family: Verdana, sans-serif;">The ringgit may
take some time before it fully recovers, but there are other ways to work
around the depreciation of the Ringgit. Supporting local entrepreneurs and
brands, taking a holiday in Malaysia and <a href="http://www.comparehero.my/blog/infographic-cost-education-malaysia-prepare-financially" rel="nofollow">studyingin a local university</a> are just some of the great ways to start off with! </span></span></div>
</div>
Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com2tag:blogger.com,1999:blog-36739260.post-57061630557103894052015-10-23T22:12:00.000+08:002015-10-23T22:12:57.881+08:00Malaysia Budget 2016 Summary<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
<br />
<span style="color: red; font-family: Verdana, sans-serif;"><b>As usual, every year there is goodies for government servants! And there is still BR1M!!!</b></span><br />
<br />
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;">* RM267.2bil has been allocated under Budget 2016, compared with the revised RM260.7bil in 2015.</span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;">* There will be nine high-impact domestic projects worth RM6.7bil in total.</span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;">* The first priority of Budget 2016 is to spur domestic investment to contribute 26.7% to the GDP in 2016.</span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;">* The Budget aims to increase private investment to RM218.6bil and public investment to RM112.2mil.</span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;">* The GST sum is to be credited into value of prepaid reloads from Jan 1 next year.</span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;"></span></div>
<a name='more'></a><span style="font-family: Verdana, sans-serif;"><br /></span>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><b>For the middle income people. Not alot of goodies but at least got something small. Was expecting income tax to drop due to GST..but that aint happening :(</b></span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div style="background-color: white; color: #444444; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; line-height: 27px; margin-bottom: 15px; margin-top: 15px;">
They are:</div>
<div style="background-color: white; color: #444444; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; line-height: 27px; margin-bottom: 15px; margin-top: 15px;">
</div>
<ul style="background-color: white; font-family: 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 18px; line-height: 27px; margin: 15px 0px; padding-left: 30px;">
<li style="color: #444444; text-align: justify;">Tax relief limit up from RM1,000 to RM2,000 for each child aged 12 and below;<div style="margin-bottom: 15px;">
</div>
<div style="margin-bottom: 15px; margin-top: 15px;">
</div>
</li>
<li style="color: #444444; text-align: justify;">Tax relief limit up from RM3,000 to RM4,000, for those with spouses who do not earn an income;<div style="margin-bottom: 15px;">
</div>
<div style="margin-bottom: 15px; margin-top: 15px;">
</div>
</li>
<li><div style="text-align: justify;">
<b><span style="color: red;">Tax relief of RM1,500 per parent, for those supporting elderly parents.</span></b></div>
<div style="color: #444444; margin-bottom: 15px;">
</div>
<div style="color: #444444; margin-bottom: 15px; margin-top: 15px; text-align: justify;">
The parents must be aged 60 and above and earning less than RM2,000. The individual need not be living with the parent. (Currently, those caring for sick parents enjoy tax exemption of up to RM5,000 spent on medical care);</div>
<div style="color: #444444; margin-bottom: 15px; margin-top: 15px;">
</div>
</li>
<li style="color: #444444;"><div style="margin-bottom: 15px;">
</div>
<div style="margin-bottom: 15px; margin-top: 15px; text-align: justify;">
Tax relief limit up from RM6,000 to RM8,000 for each child studying at a tertiary institution; and</div>
<div style="margin-bottom: 15px; margin-top: 15px;">
</div>
</li>
<li style="color: #444444; text-align: justify;">Tax relief of up to RM6,000 for parents with disabled children. This is separate to the tax exemption for disabled children enrolled in institutions of higher education.</li>
</ul>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div dir="ltr" style="color: #222222; text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><br /></span></div>
<div dir="ltr" style="text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><span style="color: red;"><b>Personal income tax pushed to 26% from 25% for those earning between RM600,000 to RM1mil. Income tax is also pushed up to 28pc from 25% for those earning RM1mil and above.</b></span></span></div>
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<span style="font-family: Verdana, sans-serif;">* RM900mil is proposed for the Jalan Tun Razak Traffic Dispersal Project to reduce congestion in the city.</span></div>
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<span style="font-family: Verdana, sans-serif;">* RM200mil will be allocated to improve roads in Felda settlements.</span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">RM1.2bil is allocated to improve Internet speeds, from 5mbps to 20mbps.</span></b></span></div>
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<span style="font-family: Verdana, sans-serif;">* RM1.4bil will be spent to improve 700km of road all around the country.</span></div>
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<span style="font-family: Verdana, sans-serif;">* RM67mil is allocated for bus operation routes outside the city.</span></div>
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<span style="font-family: Verdana, sans-serif;">* Tourism is expected to contribute RM103bil to the economy. E-Visa for seven countries (China, India, Myanmar, Nepal, Sri Lanka, United States and Canada) to be launched in mid-2016.</span></div>
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<span style="font-family: Verdana, sans-serif;">* RM5.3bil is allocated to modernise farming.</span></div>
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<span style="font-family: Verdana, sans-serif;">* RM28 billion is allocated for new MRT projects.</span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">From Jan 2016, RM100 will be given in schooling aid to students from households with a monthly income of RM3,000 and below.</span></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><span style="color: red;"><b>RM250 1Malaysia book vouchers will be available for 1.2mil students.</b></span></span></div>
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<span style="font-family: Verdana, sans-serif;">* RM930mil is allocated to the Youth and Sports Ministry, with RM145mil set aside for training athletes.</span></div>
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<span style="font-family: Verdana, sans-serif;">* <b><span style="font-size: large;">BR1M to continue for 4.7 million households</span></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">The Pan-Borneo Sarawak Highway, which is set to be completed in 2021, will be toll-free.</span></b></span></div>
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<span style="font-family: Verdana, sans-serif;">* RM100 million is to be provided by Communications & Multimedia Ministry for eRezeki, eUsahawan programmes which is expected to benefit some 100,000 people.</span></div>
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<span style="font-family: Verdana, sans-serif;">* The Budget aims for 30% women involvement at decision-making levels in both public and private sectors.</span></div>
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<span style="font-family: Verdana, sans-serif;">* RM360mil is proposed to improve National Service, with RM160mil allocated for non-governmental organisations.</span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">All domestic economy class flights will be exempted from GST for rural folk.</span></b></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">RM1.6bil is allocated for the construction of 175,000 units of PR1MA homes. 100,000 are expected to be completed next year.</span></b></span></div>
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<span style="color: red; font-family: Verdana, sans-serif;"><b>* TEKUN to provide RM600mil + RM500mil for Bumiputras and RM100mil for Indian entrepreneurs.</b></span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">RM90mil is allocated as micro-credit loans for small traders and Chinese entrepreneurs.</span></b></span></div>
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<span style="font-family: Verdana, sans-serif;">* RM300mil is proposed to improve the welfare and development of the Orang Asli community. RM45mil is also set aside to assist with extra food, pocket money and school transport fees for the Orang Asli community.</span></div>
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<span style="font-family: Verdana, sans-serif;"><span style="color: #222222;">* </span><b><span style="color: red;">The minimum starting salary in the civil service is set at RM1,200 a month from July 2016. The move is expected to benefit some 60,000 civil servants.</span></b></span></div>
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<span style="color: red; font-family: Verdana, sans-serif;"><b>* From July 2016, the minimum pension rate is set at RM950 a month for pensioners with at least 25 years of service.</b></span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0tag:blogger.com,1999:blog-36739260.post-80809988093284917952015-10-19T22:05:00.000+08:002015-10-19T22:05:27.214+08:00Business Models - My Perspective Part 2<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="http://1.bp.blogspot.com/-gx4yX42TNIk/ViTrxJbb3fI/AAAAAAAAEYA/5xCIBPqqYBg/s1600/modeling-agency.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="250" src="http://1.bp.blogspot.com/-gx4yX42TNIk/ViTrxJbb3fI/AAAAAAAAEYA/5xCIBPqqYBg/s400/modeling-agency.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Business Models--- Not the literal model sense</td></tr>
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<span style="font-family: Verdana, sans-serif;">To continue from my part 1 of <a href="http://www.knowthymoney.com/2015/09/business-models-my-perspective-part-1.html" target="_blank">my own perspective</a>:</span></div>
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<span style="font-family: Verdana, sans-serif;">Over a few weekdays and weekends this month: I have...</span></div>
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<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Attended a few startup related events - particularly technology related</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Opening of an incubator/accelerator tech space in Penang</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Meetup with a few entrepreneurs and had a chance to oversee their daily operations</span></li>
<li style="text-align: justify;"><span style="font-family: Verdana, sans-serif;">Falling sick due to the !^%&%! haze</span></li>
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<span style="font-family: Verdana, sans-serif;">A few personal note-able notes:</span></div>
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<span style="font-family: Verdana, sans-serif;">Startup events are great; You are able to hear about different perspectives from various startups and experienced entrepreneurs especially those from overseas. Furthermore, free food/snacks provided is not a bad thing at all.</span></div>
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<span style="font-family: Verdana, sans-serif;">However.., </span></div>
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<span style="font-family: Verdana, sans-serif;">a) sometimes I cannot really relate to some of the sharings by the presenters especially those from oversea and apply it in Malaysia (Our Bolehland). For example, regarding startup funding, I do find in Malaysia it is not so easy to find angel investors, etc to give you seed money with just an idea or an early implementation. It is further compounded if you are not trying to startup an IT related business.</span></div>
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<span style="font-family: Verdana, sans-serif;">b) Even if you are based off Malaysia, you should already start or have a roadmap to aim a global expansion. Oh heck, start to derive business revenue from overseas (typically true for Internet related services). The reason is quite simple, Malaysia has a small population and the pie may not be large enough for to grab hold off if you plan to be a billion-dollar tech company. (sounds sexy right)</span></div>
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<span style="font-family: Verdana, sans-serif;">c) Get to know what is incubator and accelerator is all about in Malaysia. See <a href="http://www.forbes.com/sites/georgedeeb/2014/08/28/is-a-startup-incubator-or-accelerator-right-for-you/" rel="nofollow" target="_blank">here for some definition</a></span></div>
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<span style="font-family: Verdana, sans-serif;">d) If you don't have much money/funding, always bootstrap. If your idea is not workable, at least you don't throw TOO much money down the drain prematurely, especially if the money is coming from friends and family. The worst comes when your idea is damn brilliant, getting too much funding might dilute your shareholding and control of your own startup when it starts to rake in huge profits. Here basically you are giving away your hard work and sweat to people who just become sleeping partners.</span></div>
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<span style="font-family: Verdana, sans-serif;">e) Startups are not the coolest in-thing that everyone should do. I have to admit that I do have this initial impression after going to a few startup events.(It sounds very lovey-dovey and simple when presented on a slide :p) However, this perception is shattered when I get to know personally some of the entrepreneurs. Their stories can be made into a teary K-Drama. Everyone only see the glory of their success, but never know the blood and sweat behind it.</span></div>
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<span style="font-family: Verdana, sans-serif;">f) Not everyone are made to be entrepreneurs. You must decide and be very very ready to face the tough business world.</span></div>
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<span style="font-family: Verdana, sans-serif;">g) If you don't have the aptitude to do business or cannot afford to take the risk to start one (due to age, family constraints, financial burdens), it is best in my opinion to concentrate on property or the stock market.</span></div>
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<span style="font-family: Verdana, sans-serif;">h) To survive financial shockwaves to your business, you must always ensure that your gross/net profit is very high. What is high? - I suggest at least your gross profit to be ~50%, otherwise it might not be worth the effort and the trouble that entrepreneurship entails. </span></div>
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<span style="font-family: Verdana, sans-serif;">I) In tech related startups, alot of people think they have brilliant ideas: However, here are the following problems that they might not able to see it </span></div>
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<span style="font-family: Verdana, sans-serif;">- It might be an unproven business model</span></div>
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<span style="font-family: Verdana, sans-serif;">- It might take very long just to break-even or even turn profitable</span></div>
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<span style="font-family: Verdana, sans-serif;">- The founder have a tech related idea, but cannot do programming hence hitting the stumbling block to find a technical co-founder. My advice is that if you are young and don't have alot of time commitments, do learn how to code yourself instead of trying to find other people.</span></div>
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<span style="font-family: Verdana, sans-serif;">- Even if it is a brilliant idea, you might find it hard to find funding for your idea initially.</span></div>
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<span style="font-family: Verdana, sans-serif;"><b>Lastly, an idea will always be only an idea if there is no execution to do it!!</b></span></div>
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Krishttp://www.blogger.com/profile/01618400061723721064noreply@blogger.com0