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.

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

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

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

https://www.machbyhongleongbank.com/fd-promo-450?utm_source=web&utm_medium=pro&utm_content=ban&utm_campaign=fd450

 

HLB

https://www.hlb.com.my/main/promotion/20151214-002-festive-fd-promotion

 

 

Loan to deposit ratio.(LDR)

Loan to deposit ratio.(LDR)

Simply means if u deposit 100 the bank will spend how much money to loan out to make interest earning.

Example

If u deposit 100 ; bank loan 80 means LDR is 80% ;

If u deposit 100 ; bank loan 90 means LDR is 90% ;

Unlikely bank will loan out 100% of money as it need to ensure there is sufficient cash flow to sustain operation,

As well to encounter any economy crisis which will increase NPL(Non-performing Loan)

If the LDR too low, means the bank not making any profit, and will be dump by investor,

Therefore to maintain a suitable level is the Key.

So common practise is around LDR 80-90% consider comfortable zone.

Solar Fit project

In year 2015; have completed the solar FIT project.
overall cost RM64,214.
as of now per day estimated 30-40 return on sunny day.
record down and shall review after 21 years if profitable.

Issue
28 Apr 2016 - after almost 4 month waiting no income, call TNB renewable energy department to check status only figure out FITCD not yet obtain from SEDA.
30 Apr 2016 - SEDA status update to completed project, but raise another question which need contractor to update. Status change to Query project. still got few step till FITCD.
2 May 2016 - FITCD not yet obtain, TNB cannot release payment
10 May 2016 - FITCD obtain after so many month.
14 May 2016 - enquiry TNB for 1st payment, take about 30 days payment term after invoice.
14 Jun 2016 - 1st payment received.
23 Jun 2016 - 2nd Payment received.

Summary
Shall not keep waiting, with no confirmation.(need to know the hold process avoid wasting time waiting)
shall check with TNB or contractor once payment yet received.
done FITCD in SEDA.
TNB 1st payment received.
hope everythings smooth, no issue on the coming years(Pray).

Osaka,Macau Trip 2016 review

Item shall be consider during trip planning to reduce wastage and money

1. luggage bag, may consider purchase 1 luggage bag in osaka instead of check in airasia pay for luggage fee, since the luggage delivery cost could buy u another new luggage.

2. Osaka pass for 2 day shall consider instead of 1 day pass, due to the train fees or cost could be cost even more. especially when return trip can tk other train instead of JR line to osaka airport.

3. to consider on the japan wireless modem if needed, since mostly on the road battery or wifi dont last for hold day. need battery to recharge, may consider if require to spend on it.

4. Airbnb not necessary better than hotel, in macau case airbnb and hotel cost different less than rm100 but service and quality vary big.