財富是這樣養成的:韓國暢銷No.1財經書!讓錢為你工作,邁向財富自由
Wednesday, January 19, 2022
財富是這樣養成的
Sunday, January 16, 2022
2022年始
一年之计,
(1)个人
健康-饮食减低胆固醇,每周列运动。
-》工作-副业?换工?
-》半年体检
(2)育儿
考虑小学,中学就读,技能,长处发展。
(4)买房
地点减低路上的时间,价格适中。
(5)投资
今年高机会升息,
-》可增加固定收益。
-》继续股息成长。
-》option put, call, 要尝试credit spread。
-》估计合理价,开PUT。
-》目标每月300现金流。
Saturday, January 1, 2022
Solar Year (6) Review 2021
Solar Year (6) Review 2021
Energy Efficiency whole year produce energy as record below,
Year Generated(Kwh) TNB Quota(Kwh) Generated Vs TNB Quota,%
2016 10227 10327
99.03%
2017 8883 10275 86.45%
2018 9210 10220 90.12%
2019 6559 10170 64.49%
Payment wise no issue every month payment consider on time. payment made at mid of the month after invoice received. ROI To verify on the ROI as below. up to year 6 recover 75%
remaining 25% will cover back the cost, remaining will be earning.
Estimate another 2 years to fully recover, with each year 14 to 15% ROI.
(n)Year COST Payment ROI
(1)2016 64,212.00 10,874.80 16.94%
(2)2017
64,212.00 9,999.10 15.57%
(3)2018
64,212.00 10,441.10 16.26%
(4)2019
64,212.00 7,754.85
12.08%
(5)2020
64,212.00 5,110.64 7.48%
(6)2021 72,412.00 10,165.98 14.04%
up to date 54,346.47 75.05%
Year 5 efficiency drop and require replacement of invertor and maintenance, due MCO only completed the invertor pending maintenance on solar panel. cost RM 8,200 for this maintenance.
Year 6 - did not manage to do solar panel clean up. plan to do in year 7 but not sure how much efficiency will be boost up.