Saturday, December 31, 2016

Movie - The Great Wall

Movie "The Great Wall"


Summary
This story is about 2 traveler from west going to east to get the fire powder(bomb) then meet eastern great wall while defending against the monster call "Tao Tei" which is claim to invade china every 60 years(yi "jia") then the foreinger help china to defeat the monster and leave back to west with empty hand(gun powder) but learn somethings called "TRUST". The monster appear like Alien or Bees type. where the queen born these work/attack monster. work monster will go attack and feed the queen while the guard monster is personal guard for the queen. Each monster also have specific work to do.

Highlight 
About the final method they plan to eliminate the queen in order to stop this crisis. At first they let the work monster which capture by them to be feed and let it return. so that it will retun back to queen and feed the queen. When the work monster head to feed the queen it need to pass thru the queen personal guard check before going in.(its not sense as it dislike humean where monster wont kill the queen and replace it) after that they will shoot fire arrow on the work monster carrying fire powder. but they failed to do so for first time as attack was block by queen guard. they use the same method for 2nd time also failed as block by queen guard again. Finally they make improvement thow a magnet that will stop the monster movement while shoot the fire arrow towards the work monster then it blast and kill the queen. monster without queen command cease movement and die. The End.

Comment
Apparently when 1 method used and it proof to be fail one must improvise it and improve it so that it will lead to different results, same like the method to kill at first fail. shall improvise into another method.  if that method proof to failed, keep continue it also won't make any different.

Friday, December 30, 2016

Solar First year Review 2016

Review on Solar FIT 2015 - 2016

Hold year generate Kwh of 10,227Kwh is near to expectation in TNB quota(10327Kwh).


Payment face problem in September 16 onward due to TNB payment system upgrade. As of today payment delay for 2 month. need to chase payment again.


To verify on the ROI as below.
First year 2016 about ROI - 16.94%. / 10,874.80 but payment actual received is 9313.59
lack of 2 month payment behind.


Expectation for 2017 will be as below.
According to projected Kwh should be 10,275KwH / RM 10-11k


Maintenance if needed since already pass 1 year without maintain it. also base on the 1 year input on Apr,May month is max sun light generated while Nov,Dec month is min as many rain. if this is align with the country weather and as well as the monsoon season.

Thursday, December 29, 2016

找出公司的安全程度基本

找出公司的安全程度基本如下:
1. 利润率
2. 流动比率 (进一步为速动比率 )
3. 总资产比率
4. 每股净资产
5. 每股现金
6. 公司的现金流是否稳定
7. 派息多少,占现金流的比例
8. 股东回酬率
9. 思考公司的当下的运作方针、经营方式/策略:
(一)、是否可以支撑公司未来的发展
(二)、目前的财务结构带来怎样的收成
(三)、资金的运作,是否现金周转是否顺畅
10. 自己想要从投资中得到什么? 哪一项是最吸引你的?

To be keep and refer in future.

孙子股市兵法


TopGlov QR 15 Dec 2016

TopGlov QR 15 Dec 2016

Summary as of 15 Dec 2016  as below,








Plan to be as 2018
1.       May 2018 total production line 60 and capacity 56.8 billion glove per year.









Check point for topglove
1.  Thailand factory 6 operation start?
2.  Klang Factory 30 commence on Apr 2017
3.  Klang Factory 31 phase 1 in Aug 2017 , phase 2 in May 2018.(produce 4.4 Bil glove/year)


Topglove cost impact by 2 major things.
1.       Average price for latex

2.       Average price for nitrile








Above is on the planning and summary from Topglov for the future. back to financial QR.
Impact on this QR 2017 mostly due to on 24% natural gas hike and 11% minimum wage increase.
to be check if these cost have shown in QR.



On the Segmental reporting Malaysia still largest contributor.















Even thru Msia got 23 Factory but the revenue produce is lower than Thailand(4 factory) by 28%.







Malaysia is losing advantage on manufacturing, soon factory may move to Thai or others place which is much more cost efficient.

Summary
This Quarter report obviously much weaker compare to last year 2015 which due to USD hike and Topglov earning have increase much. therefore, similar event may not necessary have same outcome.
Overall Results is poor compare year 2016. but considering much cost increase in 2016, 2017 to be follow up again if the production increase especially in thai able to contribute profit for future?



Tuesday, December 27, 2016

Review on 2016

Review on 2016

Setup target for 2016
1. Increase dividend pay out in 2016. Target 6000. 
Action point. 
- Quarterly need to have 1500

Review on Item 1 Results
Overall exceed 6000 in 2016, but due to fund add in during the said period, so can't really determine if the target have been meet up. need to be further specific with dynamic target ties with fund invest.
such way can better view on the results.

2. Improve on Technical analysis skill. 
Action point
- Price, volume , time, space
- Chart overall direction 
- Master class skill

Review on Item 2 Results
Not much improvement learned. still getting hesitate on the TA. think need much more practical or class to look at chart and analysis chart skill. did not seen any improve on skill. shall make a more practical study, and experiment with TA technique then could better review on the skill and technique usefulness.


3. Healthy 
Action point
- weekly review on sport done. 
- target at least 2 day sport per week

Review on Item 3 Results
Overall did not spend much time on sport, still not continuous due to personal issue, but body check up have shown cholesterol high as well as blood pressure bit high, think need to control diet much more. good things is cholesterol lower than last year 2015.

4. Reading
Action point
- read 1 book per month.
- review monthly for accomplishment.

Review on Item 4 Results
Overall about 6-7 book have been read thru out the years, seem so less in compare. but better than year 2015 at least it is start to accumulate. book review need much more to write more on summary and personal learning from it.

5. Fundamental Analysis
Action point
- financial report. understanding financial report meaning and reason.
- monthly go thru 2 financial report and weekly learn.

Review on Item 5 Results
Getting much more idea on FA. value shall jive with company performance. commodity price important impact to company. benefit or loss from it depends on the business. sector or industry perform well due to the industry well. economy good or bad also got industry good or bad.

6. Trending
Action point
- 2016 forecast trend to be export, consumer ,  
USD strengthening will depreciate RM, export oriental stock shall be beneficial.

Review on Item 6 Results
A relatively failed on this portion, since the expectation on USD will be going up but lack of confidence due to ? did not take any action to earn from this trend. although plan but did not executed accordingly. shall do more forecast and review to improve analysis and mentally.

7. Portfolio review.
Action point
- Monthly review on portfolio.

Review on Item 7 Results
update monthly consider success since it is easy work to just review again,


Summary on 2016 
1. Investment
Investment did not achieve well results, due to overall economy not good as well as stock pick still not good enough. Timing and stock pick apparently become much and much important. Still much to improve, but at least now have learned on financial report and much more able to read and retrieve information from it. shall review much more financial report and Annual report to further improve.

2. Health
Health wise still got problem with high cholesterol, but is much better compare to last year. shall keep on reduce intake of meat and having more vegetarian instead. 2017 hopefully no more this problem. sport and mental to be maintain.

3. Book
Overall have read about 7 Books, but not all book done review or summary, so unable to find back the summary of the book or review and learning from it. future shall have each book read review better for understanding and practice. easy to search back in future.

4. Forecast On USD
Even the forecast was correct but unable to gain from it due to lack of confidence as well slow on execution, USD depreciate around june 16 and start to pick up around nov. 16. have enough time for it but just not manage to do it. Action is much important.

5. Others
Overall Dec 16 many obstacle happen, but it also bring alot of experience to me, start to think of others things. and prepare much while you still got time.

Conclusion
Peaceful year but not in the year end, but overall should be grateful since no physically injured. safety first. Investment not do well, but have the right start. think just a matter of time to success. whatever pass is pass, future is there.
Bye to 2016 , welcome 2017.


Friday, December 23, 2016

Car accident

Car Accident.

Have been over 10+ years never have any car accident, unfortunate it happen along with others things. when car have break and stop while having little jam. car from behind suddenly fly in and bang my car out of sudden heavy damage car in front also damage. a really unfortunate time.

after the accident, no need to blame or what, just remember few things, if small matter pay $ and go. if big damage go report police claim insurance settle. no need argue or fight, it is just a small matter.

What to do when Car accident happen.
1. stop your car and check if everything ok. avoid car burn or blast and injured you.
2. Take Car no. plate of vehicle involve and Road tax and contact person and name.
3. Take picture of the accident, the more the better. but need clear picture.
4. inform all go to report police. and leave.
5. if your car cannot drive, car insurance towing. DO NOT go for those third party workshop, don't know what they may do to your car.
6. once car tow bring to police station. go to lodge a police report. before that will ask you to fill in a form for details. and there get queuing no.
7. After lodge report, proceed to Sargent police for investigation. he will decide whether you fault or others. his report is important as it will determine whether you can claim others insurance and your NCB. If immediately issued compound to you need to pay RM300. and you can only claim your own insurance while burn your accumulate NCB all these years.
8. once report done with Sargent go to take picture for your car then can go home and wait for official police report. normally it will take 14 working day for final report from police.
9. After final report, if you no compound then you can claim others insurance, then workshop and adjuster will make a repair list for you to sign, before proceed for repair. overall its take months time to repair fully. depends on the damages.

Few things referring to car accident.
1. Your car must bring back to workshop to repair prefer your own car manufacture, as they will remain your warranty and repair with original parts, while the pricing is already determine prior with insurance company so less headache involve.
2. if you go to third party, unless you know well, else there is high risk, as they will just do minor repair while claim a lot to earn money.


Thursday, December 15, 2016

WILL

WILL 
Writing a will could be somethings difficult or rather easy.
if you got nothing or only debt remain may no need think of it.
but in life everyone should have somethings they keep.
i wonder if there is only debt. can WILL write the debt pass to who? (if can will write the enemy name?)

for me i have been thinking of this, might be due to my surrounding many have such practice.
below is some example on WILL writing and some to be update from time to time. ock

basically it should have a few category
1. Cash money
2. Asset - property, car , gold, tangible asset.
3. Stock
4. Business
5. Debt
6. EPF
7. Insurance

above is category as i know, after several advice from senior i think we can make it into such a way.
1. Cash money in bank such as Maybank, RHB, CIMB all go to xxx or follow the below ratio, parent 10% wife 20% child split equally.

2. Asset - Property A - pass to beneficiary on aged 21 or wife, and if wife would like to sell the house shall be priority sell to sibling at a fix price of xx. if sibling don't want(written in formal) only can sell to public.  if would like to remain the property keep for 5 years only can be sold but need to look at the actual property if still debt or clear out.
Car shall be pass to each personally, normally car not much debt or asset just a transport vehicle.

3. Stock - all stock shall pass to beneficiary, only stock category B can be sell at will , while stock category A to be keep for 10 years/ 5 years after only can be sell at will. this is to ensure current stock selection is good enough to last for 10/5 years, while is steadily growth up without too risky. could be Category A as blue chips stock. this must be determine by own self.

4. Business - if only i have any business to pass down, business appear to be best  practice. as one die the business still run as usual, just need to power attorney to be change. it won't collapse or cease operation just to dead of owner. the business can make it as below, debt to be clear out, while the payment to be recall back. receivable and payable need to be make clear to inherit also shall inform clearly who is the right person(person you deal for biz) to look for from company A and how much receivable to be collect and what is the debt on hand or as of now.

5. Debt - one must clear that the debt is lie within to be clear off with cash money in bank or property or how. this shall be stated clearly to avoid fighting between beneficiary.

6. EPF - EPF accordingly only named beneficiary can take the money. so must hurry do the named beneficiary. better so is withdraw out while you can.

7. Insurance on balance shall be use to settle the funeral fees, remaining to be split equally to among beneficiary or such.

8. personal belonging, priority book or dairy pass to who. personal belonging to who. pets, plant etc...

above is some example that i could think of when writing a WILL.


Hospital private and goverment

Hospital in Malaysia

Overall there is private and government hospital available.
the biggest distinction i think is such that you may choose government if you are in small town but not city as too many people, the priority always in ppl that are dying now. if you are pain but cannot die then this is not an option to be consider.

personal experience on this was if you call ambulance to pick you up, normally you will end in government hospital, unless you directly check into private hospital. so you need to decide which hospital to go to when things happen or think before it happen.

once you into government hospital if you want to discharge and convert to private hospital is take a lots of time and effort. 1st you need government doctor to sign and agree to let you discharge, normally you will ask to sign consent, which means whatever happen to you government hospital won't take any responsible, but personally i also doubt if somethings happen to you, government hospital will take responsible. not in my knowledge that if anyone successfully sue government hospital for negligence

some consideration is such, if the decease or sickness need immediate heal or have some critical timing or golden hour go for private hospital you will get attention immediately.
But private hospital also doing business, so first things you must ensure you able to pay them before they give treatment, so normally ask for deposit RM 5k prior to go into ward or treatment while waiting for insurance Letter of Guarantee. so you want immediate just pay it with card or so.

when discharge it takes long time for private to run the bill, to ensure they charge you extra and get the payment from insurance before they let you go. Normally the bill shock but you have to pay it.
no choice. so buy medical insurance.

After this incident, i figure out only medical insurance is not sufficient as during your sickness or injured insurance just cover medical fees.but you still need of living fees, if your only income is work then you will loss it. since you cannot work. so you must buy a insurance to cover for your living expenses as well when you are hospitalized.

Funeral

Funeral
An unexpected event often come and not even you manage to plan ahead is your death.
last weekend heard on the grand father went into hospital and out of sudden it pass away.
although can say to be expected at such age but also can't be expected when it really come.
Life seem to be decide by yourself to live what type of life but also not decide by you that how much time you have for your live. Perhaps this limitation makes people appreciate life and accept life much more when they towards ending.

Well sadness is when death it come and you are not ready to go. still got too much to do or much to tell to family relative sibling etc.. much to do. your dream plan or desire? although its death is sad but it also awake those still living that time is not luxury. It have a limit and you have to use it within your limit while the great part is you don't even know what is your time limit. 

Back to the funeral, currently seem all funeral event is well manage by Nirvana, but unexpected the cost is also not cheap.the person pass away to be put on the funeral for 2 -3 days, and do some religion ceremony. i start to realized this is for those living to have a time to pay a visit or have a look before it is burred forever.  also people pay some money as condolence also important as these money need to use to use to cover the funeral cost, similar like wedding dinner.

So when alive shall have a thought of your time is limited and better prepare well rather than with it come and you don't know what to do. Most important i think is what is the way you wish your funeral to be. there is quite many option for different religion, but overall here is just either Buried in land or burn. Both is depends on individual preference. Better is that you inform the living what you wish to do before you pass away. if you wish to be buried then you got to really take good look on the tomb and location you choose. unlike houses you can move if you not happy. this is once you move it then forever already. so it is utmost important to choose the location you like. if Burn into Ashes still can moving around. as it is easy to be carry away. 

Personal feeling is that, when still alive appreciate your life and time, live happily we don't know if there is tomorrow for us. so do you best today. and do all necessary planning before the end come to you. such as your funeral religion. method. buried or burn etc.. also writing a WILL is very important may refer to another Post on WILL.



Monday, December 5, 2016

Health First.World later

Health First.World later

In the pursue of wealth lshall always remember on health is fundamental of people. without it nothing much can be done. recent attention on wealth have forgotten to take care of health.
anyway, Health saw be the first priority regardless.

Thursday, December 1, 2016

Power Root QR 3 2016

Review on PWROOT QR for Q3 2016












On the revenue show increment of 18%
but on the net profit drop 14%. why such can happen with somethings so weird. then we have to check on the review on the QR see what is explanation.
























Review on performance
according to management it was the forex gain reduce.
but look a the details have shown that the staff cost increase as well the cost of sales increase.
means raw material and laborer cost have increase. to verify if minimum wages start effect on Q3 2016.
Actual seen on QR is the cost of sales increase about 16%(expenses) due to material/raw material cost.(to check what is raw material and cost trend)
Staff cost increase 100% from 5mil to 10mil. this increase significant to check what is the reason.
Base on management statement is the forex gain reduce about 66% lower. this should be just one of the reason. but overall should be raw material cost, staff cost and forex cause the decrease in Net profit.













Review on segment report

On segment report show 60% of sales still contribute from Msia while Oversea contribute about 40%.
looking at current weak sentiment on consumer in Msia, increase sales in oversea is a wise option instead. to check if the future oversea sales can contribute 50% instead.














Prospect
as management claim to generate more export sales to Mid East country instead. overall from segment report can see that the msia revenue is about half and export is about half. so if the Q3 RM was appreciate(to be check) then in Q4 PWROOT report should be better instead as forex gain increase, provided that the sales to Mid East/North Africa increase or remain same.

Monday, November 28, 2016

House Loan review

OCBC flexi loan

For this loan is fully flexi for repayment.
how to reduce interest is only pay more than installment as commonly known. but instead is not necessary. you need to know in details on the loan especially housing loan. as this is the most huge debt in your life and could kill you if mistaken.

some past experience. 
basically there is 2 different repayment
1) Advance payment
- Naturally once you put in the money you cannot take out. 
- it say can reduce interest as well. but i don't feel interest reduce,(could be cut interest on interest)
- it useful if you go oversea and use advance payment to clear your house loan.(this can be done via standing instruction as well)
 
-- after experiment, don't do this. as i don't c the purpose of do this at all.

2) Capital repayment(principle)
very important as it really reduce the principle. interest reduce the next day.can see the results immediately.
- Naturally you pay $ in this still you need to pay installment. it wont auto go to installment.
- put in repayment of principal. may take back the money if needed follow the house loan. some expert recommend to keep this facility in case you need $ can immediately take out and no need do refinancing while paying less interest. (seem to be a good idea, but vary on individual)
- Highly recommend to do this if got extra $ as it really cut principle and reduce interest immediately.

Summary
Previously was stupid to pay all in advance. then some month advance some month capital repay.
NOW should pay installment. extra direct all go to Capital repayment.

Friday, November 25, 2016

Old TOWN QR 2 2016

For six months ended 30 September 2016 (financial year ending 31 March 2017)

Old Town

Overall Results,
EPS lower to 2.8
Dividend 3 cents, unlike usual dividend payout.












Performance review.

On its 2 Main core biz.
A) Cafe chain apparently weaker due to higher staff cost(Min wages?) and depreciation.( to be check)
B) Coffee Beverage doing well due to local and export sales. this should be due to "OLDTOWN White coffee brand name.





















Biz wise was drag down by Cafe chain.


On revenue can see that employee benefit is increase but the depreciation value did not show any big difference. so the much drop in coffee chain should be much due to business nature demand lower instead.














Summary
Overall group performance was drag down by cafe chain instead.
looking for for Power root report. expect will be doing better than old town since it is much more focus on only coffee beverage.
Today , 25 nov 16, price drop 13 cent or 6.4% due to the slightly poor QR. Price at 1.89 as of review.
recently once QR poor results price will drop significant.




Thursday, November 17, 2016

2017 Planning and Execution

2017 Planning and Execution 

" if you done nth today, nth will happen tmr"

Top 3 Target
1. Healthy First. world come later.
2. wealthy. Try out new method to generate income.
3. Personal life.


Long term Target
1. Purchase property in year 2017 to generate income.
2. Dividend income(Fund allocate 200k) reach
2.1 RM 10k. per year / RM 833 per month / 0.05% - First Target
2.2 RM 12k per year / 0.06% - Second Target
2.3 RM 14k per year / 0.07% - Third Target
3. Equities gain to cover year 2014,2015,2016 losses.
4. Healthy via sport. weekly need 2 - 3 times.
5. Monthly  at least 1 book. per year 15 Book.
6. Portfolio healthy. to diversify not only MYR but different currency to maintain a stable portfolio.
7. Weight to reduce. increase muscle Vs Fat. (refer to health report.)
8. Move into US Stock.
9. Re-balance on portfolio and currency.

Short term Target
1. Change to higher income work / more flexible time work.
2. Travel to Europe? Czech or Europe unique small town.
3. Training/ sport to improve health
4. Eat more vege and fruits instead. less meat.


Monthly Review
1. Review on Equities portfolio monthly.
2. Review on book after read. improve summary skill and application.
3. Weekly 1 -3 meal vegetarian.
4. AGM review
5. Sport/Outdoor review


Things to be done.
1. Seek hk trading platform to reduce dividend cost
2. Better in manage property. property management
3. Open another trading platform to align investment control and fund management.(M+)
4. Total review on current financial status, inclusive all asset and debt, cash flow.
5. Update on Portfolio temple to ease time and management.
6. Learn skiing
7. Book review.
8. Take Nutrition food or supplement to maintain health.
9. Explore for on9 trading opportunity.
10, Attend AGM
11. Manage rental and Tax

Lesson learn/ Important note


Expectation for 2017.


Event forecast
1. In year 2017, expect there will be GE for Malaysia.
2. USD foresee will be appreciate against MYR. Fed Meeting date.(8 times)
Jan. 31- Feb. 1. - Remain interest
Mar 15-16 - Up 0.25% interest
Apr 26-27 - Remain interest
Jun 14-15,- up 0.25% interest
Jul  26-27 - Remain interest
Sep. 20-21 - Remain interest
Nov. 1-2- Remain interest
Dec. 13-14.

3. Interest rate hike from BNM in 2017. (due strong USD) up interest to protect MYR instead of house debt?
4. Malaysia Interest rate meeting
1st          19 Jan 2017 (Thursday)  - Remain interest
2nd        02 Mar 2017 (Thursday) - Remain interest
3rd         12 May 2017 (Friday)  - Remain interest    
4th         13 Jul 2017 (Thursday)   - Remain interest    
5th         07 Sep 2017 (Thursday) - Remain interest
6th         09 Nov 2017 (Thursday) - Remain interest


Response on the Event forecast.
Interest hike - Fed meeting, BNM Meeting
Export Statistic - Msia export statistic to see which sector/industry doing well.
Msia/Others Bond - to see foreign $ inflow or outflow. Bond interest lower means more demand.
Jack Ma in Malaysia - 23 Mar 17 - Impact on stock, majority on logistic company, epayment company stock price up, or related to jack ma stock up. known POS, TASCO, FREIGHT , GDEX , EFFICIENT, MPAY ,




Details on Target
1. Purchase property in year 2017 to generate income.

Action point
if auction would be wise choice? shop lot perhaps? more stable?

2. Dividend income(Fund allocate 200k) reach
2.1 RM 10k. per year / RM 833 per month / 0.05% - First Target
2.2 RM 12k per year / 0.06% - Second Target
2.3 RM 14k per year / 0.07% - Third Target
Actual - 2017 Q1 - 1,217.82 - Failed ; Target 2,499

3. Equities gain to cover year 2014,2015,2016 losses.
Actual - shall trade more instead of pure hold to increase capital gain.

4. Healthy via sport. weekly need 2 - 3 times.
Actual

5. Monthly  at least 1 book. per year 15 Book.
Actual completed --> 9/15
May - 1 Book -7 way to become rich man mind set.
June - 1 Book - 如何看懂一只股票的題材與故事
Aug - 1 Book -大馬股市第一堂課-上冊
Sep - 1 Book - 大馬股市第一堂課下冊
Sep - 1 Book - 催化劑投資法2——兩極時代的價值倍升股
Oct - 1 Book - 四桶金富足退休指南
Oct - 1 book - 50優質潛力股 by 龔成
Oct - 1 book - 有升有息 by 黎家良
Nov - 1 Book - 大富翁致富藍圖 by 龔成

6. Portfolio healthy. to diversify not only MYR but different currency to maintain a stable portfolio.
Actual

7. Weight to reduce. increase muscle Vs Fat. (refer to health report.)
Actual

8. Move into US Stock.
Actual
have done and start trading in US market.

9. Re-balance on portfolio and currency.
Actual


Summary/Review of the year 2017.
Jan - stock have shown momentum of climbing up in this month, most of the financial sector and technology sector have up alot. KLCI also up alot. world wide consider bull market trend.

Feb - stock have continue previous momentum from jan 17, but on last week feb have shown weakness and index start to drop, most of stock have been drop, some have drop drastically such as JAKs, RGB , Tek seng, these have been up for quite some time but have drop drastic in just few day time. lesson learn on good QR not necessary good price up but if QR poor price drop immediately,

Mar
Forecast - for bull market to form, financial stock need to be start moving up, with recent QR from financial sector most earning have recover since last 2 years losses or reduction. overall maintain optimistic on financial sector. as Technology sector looking well as the export still key growth for Msia GDP. may refer to month export data from statistic.

Apr
this month most of the stock have increase relatively technology stock as well. most QR show good results, KLCI also went up 28 point instead.

May

Jun
During late jun KLCI have drop alot while others market still went up.

July

Aug
Tech stock start to moving stagnant steel stock start to trend up. oil price is increasing trend. gold price also increase due to North korea bomb test and impact equities market.



Friday, November 11, 2016

US president election Nov 2016

This year Nov 16, big event happen as US election, Democratic and Republic seem the vote is very near. personally i bet on demo. but anyway Republic win.

Major Event to record down.
9/11/16 - Malaysia time election roll coming out, stock have drop significant as Rep. is leading compare to Demo. world wide drop. i have decide to buy few stock during this drop. view this is sentimental but not systematic issue.

10/11/16 - Malaysia time. after Rep. win. world wide stock rebound on today. could be due to yesterday drop too much. or ppl already calm and acccept the results.

11/11/16 - Malaysia. USD shoot up high. break thru resistance at 4.2 direct go towards 4.4. this sudden up is faster than prediction. i did not prepare well to gain from this event. several mistake or lesson learn as below.
a) Account opening on Amertrade too slow. delay the fund input of USD to buy US stock. overall action too slow.
b) Did not buy on Earn from foreign gain stock enough. lack of review on forex moment, rather too focus on individual stock performance.
c) Did not have forex acc. ponly 3kUSD from year 2015 is prepare.

Monday, October 24, 2016

How to read financial report.

Financial Report Basis 
Normally a financial report consist of 4 table
commonly look at 3 table only.

A) Balance sheet(start up capital)
B) Income statement(P&L)
C) Cash flow statement (identify cash on hands to pay debt and operate)
D) changes in Equity (no of ordinary share)

A) Balance sheet(start up capital)

This will be meaning on when you start up a biz, from founded until now recorded all time changes in Asset, liabilities and changes on Equities on your company.

Items appear in here Majority as below,
1) Current Asset - for time period less than 1 year.
2) Non Current Asset - for time period more than 1 year.

3) Current Liabilities - for period less than 1 year.
4) Non Current Liabilities - for period more than 1 year.

5) Equities - show the start up capital

Finally Asset = Liabilities + Equities.

B) Income statement(P&L)

This will show on the company operated at the certain of time have generate profit or loss.
Gross profit =Revenue - Cost.
But to remember it is just how the period of company operation at certain of time whether profit or loss. it is more towards assumption. as there might be having delay on payable and receivable due to credit term of the company.

This sheet need to be cross check with cash flow statement in order to verify its accuracy.
Normally Operation cash flow increase = Net profit increase.


C) Cash flow statement (identify cash on hands to pay debt and operate)

This is Most important sheet, as it tell correctly all the money inflow and outflow.
all the inflow and outflow need to have receipt base unlike P&L statement base on a assumption on a certain period of time.

Items on this sheer include.
i) Operation Cash Flow - this show the company actual earining from its operation. can verify with Net profit of Profit & Loss statement
ii) Investment Cash Flow - this show expenditure or earning from disposal of 1 time Asset or earning.to verify with balance sheet Asset side.
iii) Financial Cash Flow - this show either repaid in liabilities or divided to share holder. to verify with Balance sheet liabilities and Equities.
iv) Cash at start
v) Cash at the end

D) changes in Equity (no of ordinary share)

This show the changes in Equity from start raise capital until now.
if there is any bonus issue, right issue. dividend paid, distributed and non distributed or retain earning,
divided amount paid can be check from here. refer to Financial cash flow and P&L statement.

to be continue in details.

Thursday, October 6, 2016

Berjaya Food AGM - 0ct 16

Berjaya Food AGM - oct 16

Door gift
- Kenny roger breakfast meal + star buck coffee.

Monday, September 19, 2016

Ambank AGM 2016

Ambank AGM 2016 on 18 Aug 2016




Door gift - RM50 parkson voucher + breakfast box.


Miss out the front part of the presentation, but overall the 5 years plan is going towards digital banking, and competing in growing market instead of fully matured. ANZ still remain as investor as of now. convert current merchant into customer.



Thursday, June 23, 2016

SUNREIT

SUNREIT

Fundamental
REIT is relatively safe investment instead, just rental and cost control.

Property
Below is the property on hands,
the advantage & disadvantage would be the diversify on property asset.

Selective Criteria
Why select Sunreit
1- Dividend quarterly - i prefer by quarter rather per year.
2- Prospect on sunway potential as it evolve as a city and having sustainable infrastructure.
3- DY -5.6% acceptable range, although comparative should have 7% above.

Execution plan
Since i know current price is not favorable, so got to have plan to buy.
current have accrue 2500 unit.
on chart basis seem is on going uptrend.
if future drop will accumulate more. Target to have 10k unit.
if go up will sell off to lower the cost instead.


Risk
unless some major event happen, or consumer living style change then Mall business will be impacted like china taobao.


Case Study - Liihen

Friday, June 3, 2016

Forecast

Forecast on Earning and Dividend

how to do forecast on this.

Dividend
- Refer to company dividend policy, (how many % use as dividend)
- Calculate the amount of cash require to distribute out dividend.
- check if the cash flow can support the dividend require.
- use latest number total of share to count.
- consider if there is any development which need capital expenditure.

Example

13.5m(Ttl share)*0.40(forecast dividend) = 54m(cash flow require)




Tuesday, May 31, 2016

BAT AGM Apr 16

BAT AGM

Door gift
1. blanket for travel. use during in flight time
2. Meal voucher at SIME Darby Conventional Center.

Walk & Ride Tropicana Aman

Walk & Ride Tropicana Aman

A simple walk n Ride Marathon, 4km+16km.
after the journey, obviously have become last in the round, this could due to bike condition and stamina is weak. anyhow manage to complete this challenge thru.

Saturday, May 28, 2016

No profit is a Sin

this apparently suitable for enterprise.

Bukit wawasan Treking

at 7-8am alot of hiker otw to treking in wawasan.
but there is 2 route to there, both route should be able to reach the waterfall.


Journey
1-1.5hour
walk thru 2 small hill.
Difficulty relatively ok. just walk up and down only.

The waterfall at Bukit wawasan, relatively clean.

some of way path during the route to waterfall.

Monday, May 2, 2016

Air panas Hot spring

Air panas hot spring which is just located on the entrance to Air Panas, it is not easy to locate since there is no sign board or any information at all.
The exact location is inside the apartment. which just located opposite of the mosque.

Entrance Fee,
Per person would charge RM 1 per entry as of year 2016.

Quite simple hot spring.
not much facility
just changing and shower room, few small pool to dim hot water
a good place to hide out since near by and easy.

Overall the place for hot spring to dim yourself.


The Heat source of hot spring, accordingly the eggs can be boil in there

The Entrance ticket


Wednesday, April 27, 2016

Dlady AGM APR 16

Dlady AGM
- 1 bottle Milk
- 1 pack milk chocolate powder
- 2 x 6 pack milk.
- Break fast

Break fast meal, seem not bad.



IGB REIT AGM APR 16

IGB REIT AGM -

Door gift
Voucher for Cititel buffer x1.

The Meeting started with a lot of attendance.
but was bit disappointing as no presentation showed, just Q&A for the financial report.
certain point was more on the business operation and etc.
apparently MD is confident on business even thru current consumer sentiment is weak.




Wednesday, April 20, 2016

Wednesday, April 13, 2016

ARREIT AGM Apr 2016

ARREIT AGM  Apr 2016

nth much in the AGM. no gift.
only simple tea and coffee.
no wonder not much ppl around.


Wednesday, April 6, 2016

Bangkok Trip 2016 Mar

Bangkok Trip 2016 Mar
Review
3 day 2 night trip.
1. Exchange sufficient in thai bath to eliminate problem to finding ATM CIMB thai.
2. Shall look for CIMB thai exchange instead CIMB thai bank, seem many CIMB close up due to last year re construct.
3. 1 CIMB exchange near Terminal 21. have ATM located there, MAx withdrawal is 100k Thai bath, exchange rate is same as Mid valley rate at the day.
4. Don moung have 2 CIMB Thai ATM at both end, but after 11 or 12pm ATM not allow to withdraw anymore.
5. Umobile offer 50MB data roaming free is very useful, test out. but must on 3G instead of 4G and must choose only TRUE network to enjoy free. SMS charges is alot.

Art box-- one of the newly form night market with container use as theme.






Wednesday, March 16, 2016

FD 3M-4.2% HLB 1 Mar 2016 - 30 Apr 2016


FD Promo- 3M 4.2% p.a
HLB 1 Mar 2016 - 30 Apr 2016

Min : RM 10k
Rate : 3M-4.2%p.a
Valid : 1 Mar 2016 - 30 Apr 2016

Conclusion : Good deal for current FD rate.

Advantage :
1. Highest rate at current market.

Disadvantage :
1. Place at branch only
2. Fresh fund require

Details

https://www.hlb.com.my/main/promotion/20160309-002-3-month-fd-promotion-extension

Thursday, January 28, 2016

Dividen - 2016

Year 2016

Dividend
Jan - MYR 471.57
Feb - MYR 568.00
Mar - MYR 369.00
Apr - MYR 483.72
May -MYR 539.00
Jun - MYR 300.00
Jul - MYR 592.98
Aug - MYR 359.56
Sep - MYR 539.00
Oct - MYR 724.00
Nov-MYR 710.67
Dec - MYR 1,146.34

Portfolio
Jan
Realized -> 0
Unrealized -> -8,916.19
Return -> -7.64%
KLCI - ?

Feb
Realized -> 0
Unrealized -> -7542.19
Return -> -5.18
KLCI - 1654.75

Mar
Realized -> 0
Unrealized -> -6901.12
Return -> -4.52
KLCI - 1717.58
Cash  - 11618.39
Stock - 152589.12

Apr
Realized -> 0
Unrealized -> - 10,790.12 
Return -> -7.71
KLCI - 1672.72
Cash  - 25643.02
Stock - 139,879.02

May
Realized -> 0
Unrealized -> -8212.07
Return -> -5.44
KLCI - 1626
Cash  - 15,466.75
Stock - 150,861.07

Jun
Realized -> -438.48
Unrealized -> -5765.03
Return -> -3.97
KLCI - 1654.08
Cash  - 21,287.09
Stock -145,077.03

Jul
Realized ->
Unrealized -> -4,556.47
Return -> -2.86
KLCI - 1,653.26
Cash  - 8,655.80
Stock - 159,484.47

Aug
Realized ->
Unrealized -> -3,930.11
Return -> -2.54
KLCI - 1,678.06
Cash  - 12,478.12
Stock - 154783.11

Sep
Realized ->
Unrealized -> 610.68
Return -> 0.37
KLCI - 1,652.55
Cash  - 17,368.40
Stock - 164,953.32

Oct
Realized ->
Unrealized -> -1399.63
Return -> 0.99
KLCI - 1,672.46
Cash  - 27,508.46
Stock - 155,493.63


Nov
Realized ->
Unrealized -> -9,995.71
Return -> - 5.76
KLCI - 1,612.12
Cash  - 13,448.92
Stock - 173,441.73

Dec
Realized ->
Unrealized -> -8,823.33
Return -> - 5.84
KLCI - 1,641.73
Cash  - 37,859.31
Stock - 150,976.33


Thursday, January 21, 2016

FD 3M-4.5% HLB/Mach Til Jan 16

FD Deal-6M 4.5% p.a
HLB/MACH FD End of Jan 16
Min : RM 10k
Rate : 6M-4.5%p.a
Valid : End of Jan 31 ; 2016

Conclusion : Good deal for current FD rate.

Advantage :
1. Fresh fund require. Consider best rate.
2. Monthly interest for HLB.

Disadvantage :
1. Only able to place via Cheque for MACH
 
Details
MACH
 
HLB