2019年計

2019年計1
2019年初至今已過二月，近三月頭所謂的計劃檢討也遲遲未進行。回想2018年度假月初換工，一月份忙于工作，二月頭新年去旅行，處理婚姻。現處理完，可花點時間做規劃與計劃。

2018年感覺也沒做甚麼，就換了工。股票方面就閱讀了幾本書，主要市場因貿易戰而下跌，而下跌時知道是好股夜不閉戶敢買，為何？主要因該是心裡沒底，不知會跌倒哪裡，也不懂是否便宜了？ 那些年都學了什磨？？
論技術圖表我學過，工具也有，基本，財務報表也學過，那問題在哪裡？似乎缺乏精神，內心脆弱，感到恐懼，貪婪。不敢面對風險。其實股票越底，風險越小，這我懂，可沒行動。如何克服？回到基本問題不懂底牌，心理沒底。遲遲不敢動。

方法一，設定watchlist，之買這裡的股票。分批買或月供，只要是好股長期肯定可以。
方法二，每天花點時間研究個股，開始學寫研究報告出來，從中找到商業直覺。以生意眼光來做決定。同時可以有個底價，在股票跌勢可以操作。

方法我都懂最大問題就是沒行動，工作以消耗大部分精力，懶得再花時間做。只想娛樂。體能唯有鍛鍊才有。問題回到生活節奏不能支撐我要的結果。唯有善用週末來補充。

學以致用, 善用時間，勝負在一瞬間，一個決定足以。

2019年主要還是繼續三年之計，

增加主動收入
工資是固定的，除非改變，不然基本不可能做到。
目前期望能到新工作，以匯率之差來達到.到新所需技術，資力也還不清晰，達成不宜

債務適中減少三成；可增加還款比例；可觀察適當優秀資產
五月債務減少，期望能增加現金流，重談借貸利率。

成家立業育兒,培育下一代
已婚，需要想如何培育下一代。

持續閱讀發展興趣與理財能力
關注加息時間表

定期運動,均勻飲食,健康至上(減低膽固醇)

培養興趣以備退休生活

蜜蜂如何能繁殖增加？

Memorable day - Marriage day

Today 24 Feb 2019 is a memorable and anniversary for my own, as it is my marriage day.
Today on wards, i have to act and plan as a family instead of personal, as well as growth.
hopefully it go as i wanted to 1+1>2 ; each of us have limitation on own, but i believe together we can achieve more.

Review on 2018

2018 items list
Things to be done.
1. Seek hk trading platform to reduce dividend/capital cost / to be done on jan 18./done
2. Better in manage property. property management if can find any better method to manage it./not spend enough time on this.
3. Open SGD trading platform consider if to be done this year./ change to use of IB instead.
4. Learn skiing / to be do on travel. / Not done.
5. Manage rental and Tax/ Rental not. Tax rebate considered in 3 years planning.
6. Marriage on 2018/ delay to 2019.
7. Book Review./ As usual.
8. Attend AGM./ As usual.
9. Attend option/stock class./ Not much attend on class in year 2018.

三年大計(2018 ~ 2020) / 2018
1) 財務自由
首要目標不工作,維持現有開支,
增加主動收入
關注現金流

被動受入

2018年 3k/月 36k年 / 480/月
2019年 4k/月 48k年
2020年 5k/月 60k年


2) 債務水平
2018年危之年/ 已度過
2019年觀之年
2020年進之年

a)2018年危
債務始終龐大不適增加債務；不可重大開支./
2018年放棄買車的想法，持續減債.始終不能有效增加收入.

b)2019年觀
債務適中減少三成；可增加還款比例；可觀察適當優秀資產.

c)2020年進
債務減半；可增加還款；主要購入優秀資產。注意現金流.

3)個人發展
a)成家立業育兒,培育下一代(計劃2018年婚) / 延遲，計劃在第一季完成
b)持續閱讀發展興趣與理財能力 / 學習ETF, Bond.
c)徹底運用週末時間(一周前提前規劃) / 沒有效的完成

4)功課
定期檢視；上課
定期運動；健康至上(減低膽固醇) 
均勻飲食（1周1素食）

5)休閒生活
培養興趣以備退休生活
旅游以及實地考察/ Osaka, Tokyo 
盡情享樂現有的時間最為自己而活


6)後備

國外PR籍

7)待解決問題
現有資產如何增值?
減債減稅務計劃

Solar Year (3) Review 2018

Energy Efficiency
Hold 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%

Payment
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 3 recover 51% remaining 49% will cover back the cost, remaining will be earning.

Year	COST	Payment	ROI
2016	64,212.00	10,874.80	16.94%
2017	64,212.00	9,999.10	15.57%
2018	64,212.00	10,441.10	16.26%
Up to date	64,212.00	31,315.00	49%

Expectation for 2018 will be as below.

Year	Year	Projection,Kwh	Expect amount,MYR	Actual,MYR	Variant,%
1	2016	10,327.00	11,012.71	10,874.80	98.75%
2	2017	10,275.00	10,957.26	9,999.10	91.26%
3	2018	10,220.00	10,898.61	10,441.10	95.80%
4	2019	10,170.00	10,845.29

Maintenance

Year 3 non. as not seen significant issue. drop about 5% on efficiency. this year 2018 last 2 month alot of rain monsoon seasson but good is rain at eve time morning still have right sun. overall, generated stable at 800 range, except feb less calendar days.

Bee Hive Expansion experiment

In a coincident known that there is ex College who is having 4 bee hive currently, have recommend and introduce for bee hive to be around home area.

the Hive was brought over from this college as he intend to change the bee to cica instead of itama. cica is bigger size of bee can produce more honey than itama.

over the period, out of curiosity i have done the following experiment with the intention to expand the current hive topping with adding another layer on top of it.

the box was brought from art accessories shop with coincident suitable size and cost around rm 33. to try out.

1st time - failed, the bee seal up the hole without hesitate.
Reason the hole is too small, the bee feel is a leaking hole instead of a new spacious for storage.

2nd time - failed, the bee seal up the hole as well.
Reason the hole is light bigger only, bee manage to fill it up as well.
No photo(forgot to take)

3rd time - failed, the bee took about a week time and seal up the hole completely
Reason the hole was quite big, but i guess without the pollen,propolis or honey to attract it to feel comfort to expand their storage.



















4th time - in review
Action - open up the previous hive and put a portion of propolis nearby to the hole make it feel more comfortable to expand.

This attempt was made on 15 dec 2018
The results is under observation at the moment.

To be confirm again if expansion successful or failed.

Watch list Brusa

No	Stock	Type	Own	AGM gift
1	Gamuda	Project		#N/A
6	dailog	Petrol reserve		#N/A
7	serbak			#N/A
8	petronm	OIL & GAS PRODUCERS		tumble
9	hengyuan	OIL & GAS PRODUCERS		touch&go 20+kfc 40
10	gas malaysia	GAS, WATER & MULTI-UTILITIES		#N/A
11	Nestle	Food	Y	nestle pack food
12	genting	gamble		genting voucher bus and food
13	genm	gamble		genting voucher bus and food
14	petdag	petrol station		giftcard
15	ppb	Food		pbb product
16	IHH	Hospital		#N/A
17	harta	Glove		glove
18	topglov	Glove	Y	glove
19	kossan	Glove		#N/A
20	KPJ	Hospital		#N/A
21	petchem	chemical		MO voucher 100
22	hapseng			#N/A
23	pmetal	Aluminium		#N/A
24	lctitan	chemical		aeon 80
36	klcc	shopping mall		MO voucher 100
37	igbreit	shopping mall	Y	38 voucher
38	sunreit	Mix REIT	Y	food lunch
39	pavreit	shopping mall		#N/A
40	CMMT	shopping mall		#N/A
41	inari			#N/A
42	myeg			#N/A
43	vitrox			#N/A
44	MPI			#N/A
45	unisem			#N/A
46	maxis	Mobile		prepaid 30+kfc 50
47	axiata	Mobile		prepaid 20 + boost 40
48	TM	Fiber		#N/A
49	time	fiber		#N/A
51	MISC	petrol shipping		#N/A
52	airport	Airport		bag + kfc 25
53	westport	sea port		#N/A
56	tenaga	special license	Y	electronic + ae0n 20
57	petgas	Gas		MO voucher 100
60	malakof	IPP	Y	kfc 40(agm notice say no dooor gift)
61	maybank	bank		aeon 50
62	pbb	bank		tumble + parkson 50
63	cimb	bank	Y	30
64	hlb	bank	Y	#N/A
65	hlfg	bank		#N/A
66	ambank	bank	Y	Aeon 50 + oldtown 20
67	MBSB	bank	Y	Tumble
68	RHB	bank		aeon 30 + oldtown 20
70	ABMB	bank		#N/A
71	Aeoncr	Non bank	Y	snack + tissue + tumble
73	Brusa	special license		kfc 40
74	apollo	Food		#N/A
76	carlsberg	Beer		kfc + carlsberg
77	Dlady	Milk	Y	dlady milk
78	F&N	100 plus		F&N product
79	Heim	Beer		hein product
80	kawan	Roti prata		#N/A
81	pwroot	Coffee		#N/A
82	yeelee	Food		yeelee product
83	Haio	MLM		#N/A
85	Ql	Egg		#N/A
87	Allianz	insurance		PA insurance
88	LPI	insurance	Y	gift + parkson 50(need after vote)
92	takaful	insurance		#N/A
93	tunepro	insurance		#N/A
95	HLI	Yamaha motor		#N/A
96	panamy	Panasonic		panasonic voucher 50
97	airasia	short haul < 4 hour		rebate 500
98	AAX	long haul> 4 hour		#N/A
99	padini	Cloth		padini voucher
100	CCMD	medicine		#N/A
101	pharma	medicine		#N/A
102	litrack	LDP,		#N/A
103	Aeon	Mall		Aeon 60
104	Aji	aji product		aji product
105	digi	Mobile		prepaid 100

Overall owe 14 out of 77. still got a long way to go.

進撃の百萬組合 - (8)

九月2018年

馬股(MYR)
資本 197,165
現值 205,794
盈虧 8,629 (4.3%)

美股(USD)
資本 27,028
現值 27,645
盈虧 617 (2.2%)

港股(HKD)
資本 181,024
現值 166,490
盈虧 - 14,534 (-8%)

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馬股
九月買進HLB看好銀行升息週期，盈利增進。

美股九月急跌損失去。7k美元。
但過後回升但沒買錯過最好時幾.
思過策略應買股開call同時set cut loss.
開put不能同時expired風險過大

港股
因tencent暴跌錯過cut loss導致過度損失，看好銀行保險股.
資本不大不能過度分散.