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.

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.

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?

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.

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.

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.

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.

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.