In this globalism era, the competition between nation is getting stronger each day. Thus, there is no a company will able to provide the secure job and great retirement plan to all of its employee. To achieve Financial Freedom through Employee quadrant (E Quad) is very hard and is getting harder each day. So, think about switch to B quadrant to achieve financial freedom? When to switch? That is the BIGGEST question.
Allow me to introduce the V-Concept to illustrate and simplify the Switch from Employee to Business Quadrant (B Quad).
V alphabet is formed from "\" and "/", which represent the E Quad and B Quad respectively. Y-axis represent the Age of a person. So, when one try to Switch from E to B, the gap between "\" and "/" is getting wider with respect to the age. This gap we know as RISK. The sooner you switch the less Risk you potentially have.
To further understand this concept, let look at the gradient of "\" and "/". The steep of both these slope will eventually reduce the Risk of Switch. So, how to make the slope steepness? For E Quad, lesser the liability and greater skill sets you have will make the slope steep. Meanwhile for B Quad, good plan, product market understanding and your personal insight will contribute to make your "/" slope more and more steep. Most of these items mentioned are within your control.
Hope this V-Concept will eventually help you to find your RIGHT TIME to Switch from E quadrant to B Quadrant.
Good Luck and all the best!
Click Here for Detail
Wednesday, December 26, 2007
Monday, December 24, 2007
Consumer spending strong in November
Picked from reuter on 12/21:
Consumer spending rose at the fastest rate in more than two years in November and prices also climbed sharply, according to a government report on Friday that showed the economy on firmer ground than many had believed.
Adding to a picture of some resilience in the face of the housing downturn and a credit squeeze, consumer sentiment turned up in late December from mid-month even though it was down for the third month in a row.
The Commerce Department said consumer spending jumped 1.1 percent in November, well ahead of forecasts on Wall Street, while personal income rose 0.4 percent.
At the same time, consumer prices moved up 0.6 percent, the biggest gain since September 2005 when energy prices shot up in the wake of Hurricane Katrina. Prices rose a heady 3.6 percent from a year earlier, the highest since October 2005.
Stock prices climbed as investors were heartened by corporate news and continued strong consumer spending, a mainstay of the U.S. economy, which many had worried could suffer due to the housing downturn. The Dow Jones industrial average surged 205 points, or 1.6 percent, to close at 13,450.
Wall Street's gains drew investors away from safe-haven government debt, helping to drag 10-year benchmark notes down 30/32 in price, raising the yield to 4.17 percent.
The implied prospects for a rate reduction in January embodied in futures contracts slipped to as low as 82 percent from 92 percent late on Thursday.
People have been too gloomy on the consumer," said Stephen Gallagher, U.S. chief economist at Societe Generale in New York "There are a lot of headwinds like housing and gasoline prices but the consumer keeps on spending."
Real spending, which adjusts for inflation, rose 0.5 percent in November, the highest since December 2006.
Separately, U.S. consumer sentiment brightened in late December but soured for the month as a whole, leaving sentiment near its lowest since the aftermath of Hurricane Katrina in 2005, the Reuters/University of Michigan Surveys of Consumers index of confidence showed on Friday.
The index edged up to 75.5 in late December from a mid-December reading of 74.5, slightly above economists' median forecast for a reading of 74.9, but down from November's reading of 76.1.
The late-December strength was centered on an improvement in longer-term economic prospects, but the near-term outlook was still quite pessimistic, the report said.
Consumers held very negative assessments of their personal financial situation, especially lower income households. Buying plans remained subdued, even among upper income households.
Overall, the data are consistent with a growth rate in personal consumption expenditures of just 2 percent in 2008, with significantly weaker growth of about 1 percent in the first quarter, according to Richard Curtin, the director of the consumer survey.
The U.S. economy appears headed for a period of slower growth at the end of 2007 and into the early part of 2008, and the Federal Reserve has lowered interest rates a cumulative percentage point to 4.25 percent since September as an insurance against the slower period.
Amplifying worries about slower growth, banks have become nervous about lending to one another over fears of hidden exposures to mortgage loans unlikely to be repaid.
Even though inflation has moderated from elevated levels earlier this year, Friday's price data adds to evidence of rising price pressures last month from climbing energy and commodity prices and the weaker dollar, which has boosted the cost of imported goods.
p/s:It seem like dollar weaker is happening as predicted by Lester Thurow.
Consumer spending rose at the fastest rate in more than two years in November and prices also climbed sharply, according to a government report on Friday that showed the economy on firmer ground than many had believed.
Adding to a picture of some resilience in the face of the housing downturn and a credit squeeze, consumer sentiment turned up in late December from mid-month even though it was down for the third month in a row.
The Commerce Department said consumer spending jumped 1.1 percent in November, well ahead of forecasts on Wall Street, while personal income rose 0.4 percent.
At the same time, consumer prices moved up 0.6 percent, the biggest gain since September 2005 when energy prices shot up in the wake of Hurricane Katrina. Prices rose a heady 3.6 percent from a year earlier, the highest since October 2005.
Stock prices climbed as investors were heartened by corporate news and continued strong consumer spending, a mainstay of the U.S. economy, which many had worried could suffer due to the housing downturn. The Dow Jones industrial average surged 205 points, or 1.6 percent, to close at 13,450.
Wall Street's gains drew investors away from safe-haven government debt, helping to drag 10-year benchmark notes down 30/32 in price, raising the yield to 4.17 percent.
The implied prospects for a rate reduction in January embodied in futures contracts slipped to as low as 82 percent from 92 percent late on Thursday.
People have been too gloomy on the consumer," said Stephen Gallagher, U.S. chief economist at Societe Generale in New York "There are a lot of headwinds like housing and gasoline prices but the consumer keeps on spending."
Real spending, which adjusts for inflation, rose 0.5 percent in November, the highest since December 2006.
Separately, U.S. consumer sentiment brightened in late December but soured for the month as a whole, leaving sentiment near its lowest since the aftermath of Hurricane Katrina in 2005, the Reuters/University of Michigan Surveys of Consumers index of confidence showed on Friday.
The index edged up to 75.5 in late December from a mid-December reading of 74.5, slightly above economists' median forecast for a reading of 74.9, but down from November's reading of 76.1.
The late-December strength was centered on an improvement in longer-term economic prospects, but the near-term outlook was still quite pessimistic, the report said.
Consumers held very negative assessments of their personal financial situation, especially lower income households. Buying plans remained subdued, even among upper income households.
Overall, the data are consistent with a growth rate in personal consumption expenditures of just 2 percent in 2008, with significantly weaker growth of about 1 percent in the first quarter, according to Richard Curtin, the director of the consumer survey.
The U.S. economy appears headed for a period of slower growth at the end of 2007 and into the early part of 2008, and the Federal Reserve has lowered interest rates a cumulative percentage point to 4.25 percent since September as an insurance against the slower period.
Amplifying worries about slower growth, banks have become nervous about lending to one another over fears of hidden exposures to mortgage loans unlikely to be repaid.
Even though inflation has moderated from elevated levels earlier this year, Friday's price data adds to evidence of rising price pressures last month from climbing energy and commodity prices and the weaker dollar, which has boosted the cost of imported goods.
p/s:It seem like dollar weaker is happening as predicted by Lester Thurow.
Friday, December 14, 2007
lemonade
Small deal:
The #1 of Top 10 Times CNN website of 2007:
Check this out to generate your passive income.
The #1 of Top 10 Times CNN website of 2007:
Check this out to generate your passive income.
Wednesday, December 12, 2007
Dow Jone Drop 294 Point on 12/11
Extracted from AP (Associated Press) on 12/11/07:
Federal fund rate is trimmed by one-quarter percentage point to 4.25%, which is nearly two-year low. This is the 3rd rate reduction in this year to enegize national economic growth. The deepening housing slump is affecting the behavior of consumers and business.
On Wall Street, stocks tumbled, reflecting disappointment among some investors who were hoping for a larger rate cut. The Dow Jones industrial plunged more than 200 points to 13,432.77.
Federal fund rate is trimmed by one-quarter percentage point to 4.25%, which is nearly two-year low. This is the 3rd rate reduction in this year to enegize national economic growth. The deepening housing slump is affecting the behavior of consumers and business.
On Wall Street, stocks tumbled, reflecting disappointment among some investors who were hoping for a larger rate cut. The Dow Jones industrial plunged more than 200 points to 13,432.77.
Sunday, December 9, 2007
Must Criterias of Good Property
#1: Location must be ease to access, e.g. have the basic necessity of resident such as commercial shop lot, wet market, supermarket, school and etc.
#2: Location must be strategy, e.g. non-flood area, away from high power cable.
#3: Market demand across the time is constant.
#4: Future planning of the property location.
#2: Location must be strategy, e.g. non-flood area, away from high power cable.
#3: Market demand across the time is constant.
#4: Future planning of the property location.
Saturday, December 8, 2007
Apple Mac Likely To Gain Market Share
From the Investor's Business Daily on 12/7, the latest ChangeWave consumer poll found that 29% of likely notebook and desktop PC buyers in the next 90 days are planning to get a Mac. That's higher than consumer purchase intent for HP laptops (21%), HP desktops (24%) and Dell laptops (28%). But Dell had higher demand for its desktops (31%).
More consumers are buying Macs because they're turned off by PCs using Microsoft's Windows operating system, Smith says. Complaints about the latest version of Windows, called Vista, and positive reviews for the new Apple Mac OS, called Leopard, have fueled Mac sales, he says.
Apple's U.S. market share was 6.9% in the third quarter, IDC says, up from 5.7% a year earlier. Mac sales are typically higher in the third quarter because of back-to-school and other education sales.
Its PC market share for all of 2006 was 4.7% in the U.S. and 2.5% worldwide, according to IDC.
So, do you plan to get a Mac soon?
Thursday, December 6, 2007
Economy May Slow Tech Industry's Growth
Extracted from AP
Thursday December 6, 6:05 am ET
By Brian Bergstein, AP Technology Writer
Weakness in US Economy Figures to Take a Bite Out of Technology Industry's Growth Rate in 2008
BOSTON (AP) -- Weakness in the U.S. economy figures to take a bite out of the technology industry's growth rate in 2008, when analysts expect tech spending to slow around the world.
The picture is not exactly dire: A forecast released Thursday by analyst firm IDC calls for the worldwide information-technology market to grow 5.5 percent to 6 percent in 2008, the lower end of what has become a usual range. In the U.S., the market is expected to expand 3 percent to 4 percent.
Those growth rates are softer than this year's 6.9 percent worldwide expansion and 6.6 percent growth in the U.S., according to IDC.
Just a few months ago, IDC was expecting the U.S. tech market to grow 5.5 percent in 2008. The company pushed its estimate down to 3 percent to 4 percent as the mortgage crisis heightened and rising high oil prices enhanced the prospect of a recession next year, IDC senior researcher Frank Gens Sr. said.
"Those are all forces working against good growth," Gens said.
Other analyst firms differ on the precise numbers but also see a slowdown in growth coming.
Gartner Inc.'s most recent estimates, compiled in October, see U.S. technology spending rising 5.7 percent, down from 6.1 percent this year. Gartner pegs worldwide growth at 5.5 percent, down from 8 percent in 2007.
Forrester Research Inc. is still finalizing its worldwide forecast, but research analyst Andrew Bartels expects the U.S. market to grow 4.6 percent, down from 5.4 percent this year. He said that presumes an economic slowdown in the United States that stops short of becoming a recession.
Even with tech spending totaling $3 trillion worldwide, modest dips in its growth don't often cause economic swings. Instead, tech investment tends to reflect macroeconomic conditions.
"There's no question the economy is weak," Bartels said.
Many big IT providers already have been planning for overall market growth of uninspiring, mid-single digit percentages.
IDC's Gens expects to see tech companies respond in 2008 by increasing investments in markets that are relatively hotter, including mobile Internet devices and technology for small and medium-sized businesses.
"I'm not really concerned," Henning Kagermann, CEO of business-software maker SAP AG, said in an interview this week. "Even if growth in IT spending slows, it's always a question of where people are going to put their money."
Thursday December 6, 6:05 am ET
By Brian Bergstein, AP Technology Writer
Weakness in US Economy Figures to Take a Bite Out of Technology Industry's Growth Rate in 2008
BOSTON (AP) -- Weakness in the U.S. economy figures to take a bite out of the technology industry's growth rate in 2008, when analysts expect tech spending to slow around the world.
The picture is not exactly dire: A forecast released Thursday by analyst firm IDC calls for the worldwide information-technology market to grow 5.5 percent to 6 percent in 2008, the lower end of what has become a usual range. In the U.S., the market is expected to expand 3 percent to 4 percent.
Those growth rates are softer than this year's 6.9 percent worldwide expansion and 6.6 percent growth in the U.S., according to IDC.
Just a few months ago, IDC was expecting the U.S. tech market to grow 5.5 percent in 2008. The company pushed its estimate down to 3 percent to 4 percent as the mortgage crisis heightened and rising high oil prices enhanced the prospect of a recession next year, IDC senior researcher Frank Gens Sr. said.
"Those are all forces working against good growth," Gens said.
Other analyst firms differ on the precise numbers but also see a slowdown in growth coming.
Gartner Inc.'s most recent estimates, compiled in October, see U.S. technology spending rising 5.7 percent, down from 6.1 percent this year. Gartner pegs worldwide growth at 5.5 percent, down from 8 percent in 2007.
Forrester Research Inc. is still finalizing its worldwide forecast, but research analyst Andrew Bartels expects the U.S. market to grow 4.6 percent, down from 5.4 percent this year. He said that presumes an economic slowdown in the United States that stops short of becoming a recession.
Even with tech spending totaling $3 trillion worldwide, modest dips in its growth don't often cause economic swings. Instead, tech investment tends to reflect macroeconomic conditions.
"There's no question the economy is weak," Bartels said.
Many big IT providers already have been planning for overall market growth of uninspiring, mid-single digit percentages.
IDC's Gens expects to see tech companies respond in 2008 by increasing investments in markets that are relatively hotter, including mobile Internet devices and technology for small and medium-sized businesses.
"I'm not really concerned," Henning Kagermann, CEO of business-software maker SAP AG, said in an interview this week. "Even if growth in IT spending slows, it's always a question of where people are going to put their money."
Sunday, November 25, 2007
怎樣才能變有錢？
Picked from: 財富廣場 2007-11-24 20:37
你想變有錢嗎？知道自己適合怎樣的致富過程？作個測驗，希望大家都能成功賺大錢。
如果真的可以轉世投胎，上帝也給了機會讓你選，你會選擇投胎成什麼動物？
A、貴賓狗
B、波斯貓
C、老鷹
D、大象
E、老虎
答案：
選擇貴賓狗的人：你的工作能力平實穩重，雖沒有什麼偏財運，懂得節流是你比人家有優勢的一點。在工作上你也是屬于穩扎穩打型的，不容易有什麼大建樹，但也能力求不失誤犯錯。你會是老板眼中忠心盡力的好員工，卻不會是個好老板。努力工作，做好你份內的事，加上你天生勤儉刻苦的本性，你也可以累積到一筆豐碩的財富。
選擇波斯貓的人：你的偏財運不錯，工作上你也容易走偏鋒，總想著如何能一夜致富。你的腦筋很靈活，也比別人動得還快，只可惜大多數的想法都過於好高騖遠，也不切實際。而且通常只有心動並未行動。搭配你這樣的性格，你也有一顆不怕死的心髒，不妨可以大膽去作投資。投資切勿玩票性質，用心經營，迅速累積財富不是夢。
選擇老鷹的人：你的分析及邏輯能力很強，也有敏銳的直覺，很容易就掌握市場的脈動進而創造奇跡。只是你目前可能苦於資訊不足而無法一展長才。喬丹除了籃球天才之外，還有看不見的基礎訓練及努力。你的天賦也有很多需要你不斷地去鍛煉才可以。多涉獵相關的書，多請教同業的前輩，等基礎實力足夠又何愁不能平步青雲、一飛衝天。
選擇大象的人：你本身不喜歡工作，也有點好吃懶做。對工作常缺乏熱忱、提不起勁，生活慵懶，只想過太平安逸的日子。除非你是含著金湯匙出生，一輩子不愁吃穿，否則你的人生只會充滿諸多無奈。想要安逸的日子不是不可以，趁著年輕好好努力拼老命去賺錢，你的底子不會比別人差到哪裡去。讓自己佔住大位後再來享受也不遲。
選擇老虎的人：你很適合投機炒作。你的資訊來源管道一向暢通，你的侵略力也夠，加上你凡事快、狠、準的精確判斷力，不得不承認你很適合短線炒作。你可以投資股票，也可以炒作房地產，多半都能獲得不錯的成績。只是需注意你的開銷也大，賺得錢不見得能夠承受你的虧損。成功致富之後也要用于回饋社會，如此名利才能雙收。
你想變有錢嗎？知道自己適合怎樣的致富過程？作個測驗，希望大家都能成功賺大錢。
如果真的可以轉世投胎，上帝也給了機會讓你選，你會選擇投胎成什麼動物？
A、貴賓狗
B、波斯貓
C、老鷹
D、大象
E、老虎
答案：
選擇貴賓狗的人：你的工作能力平實穩重，雖沒有什麼偏財運，懂得節流是你比人家有優勢的一點。在工作上你也是屬于穩扎穩打型的，不容易有什麼大建樹，但也能力求不失誤犯錯。你會是老板眼中忠心盡力的好員工，卻不會是個好老板。努力工作，做好你份內的事，加上你天生勤儉刻苦的本性，你也可以累積到一筆豐碩的財富。
選擇波斯貓的人：你的偏財運不錯，工作上你也容易走偏鋒，總想著如何能一夜致富。你的腦筋很靈活，也比別人動得還快，只可惜大多數的想法都過於好高騖遠，也不切實際。而且通常只有心動並未行動。搭配你這樣的性格，你也有一顆不怕死的心髒，不妨可以大膽去作投資。投資切勿玩票性質，用心經營，迅速累積財富不是夢。
選擇老鷹的人：你的分析及邏輯能力很強，也有敏銳的直覺，很容易就掌握市場的脈動進而創造奇跡。只是你目前可能苦於資訊不足而無法一展長才。喬丹除了籃球天才之外，還有看不見的基礎訓練及努力。你的天賦也有很多需要你不斷地去鍛煉才可以。多涉獵相關的書，多請教同業的前輩，等基礎實力足夠又何愁不能平步青雲、一飛衝天。
選擇大象的人：你本身不喜歡工作，也有點好吃懶做。對工作常缺乏熱忱、提不起勁，生活慵懶，只想過太平安逸的日子。除非你是含著金湯匙出生，一輩子不愁吃穿，否則你的人生只會充滿諸多無奈。想要安逸的日子不是不可以，趁著年輕好好努力拼老命去賺錢，你的底子不會比別人差到哪裡去。讓自己佔住大位後再來享受也不遲。
選擇老虎的人：你很適合投機炒作。你的資訊來源管道一向暢通，你的侵略力也夠，加上你凡事快、狠、準的精確判斷力，不得不承認你很適合短線炒作。你可以投資股票，也可以炒作房地產，多半都能獲得不錯的成績。只是需注意你的開銷也大，賺得錢不見得能夠承受你的虧損。成功致富之後也要用于回饋社會，如此名利才能雙收。
Tuesday, November 20, 2007
Stock Analysis: Public Bank
Public Bank (PUBM:KLSE) is one of the stock that beat the market performance.
Solid quarterly performance from Q4 06 until Q3 07 due to NPM improved from 20% to 23% as shown in the table below.
PE analysis result:
Based on the projection of 20 analysts (referring to Business Week as source), the annual EPS is estimated as RM0.59. Thus, the fair value price is RM10.00. (Average of Historical PE x Projected EPS)
From business perspective, the average ROE and ROA over past 4 years is 9.6% and 1.7% respectively. While the shareholder's equity per share and net tangible Asset (NTA) is about the same, which is RM2.61 and RM2.69 respectively for year 2006.
Here is the Deal:
OKII recommend to HOLD Public Bank at present as it is not the right to buy in yet. However, with the rising market of property in Malaysia will eventually help to contribute on its revenue in coming year of 2008.
Link to spreadsheet analysis and business week source for Public Bank.
Solid quarterly performance from Q4 06 until Q3 07 due to NPM improved from 20% to 23% as shown in the table below.
PE analysis result:
Based on the projection of 20 analysts (referring to Business Week as source), the annual EPS is estimated as RM0.59. Thus, the fair value price is RM10.00. (Average of Historical PE x Projected EPS)
From business perspective, the average ROE and ROA over past 4 years is 9.6% and 1.7% respectively. While the shareholder's equity per share and net tangible Asset (NTA) is about the same, which is RM2.61 and RM2.69 respectively for year 2006.
Here is the Deal:
OKII recommend to HOLD Public Bank at present as it is not the right to buy in yet. However, with the rising market of property in Malaysia will eventually help to contribute on its revenue in coming year of 2008.
Link to spreadsheet analysis and business week source for Public Bank.
Thursday, November 15, 2007
Which Web Service Provider Market Capital Increase the Most?
Based on the 2 years plus time frame, among the 5 web service providers, Google, Sohu and Baidu are increasing their market capital in the range of 150% to 220%. Thus, which company able to provide the niche feature it will win the game.
Tuesday, November 13, 2007
Apple and Google Stock Price Sudden Drop
Sudden drop on both Apple and Google in last 5-days as shown in these charts below:
Apple drop from $192 to $153, about 20% within 5-day.
Google drop from $747 to $629, about ~16% within 5-day.
Here is the Deal:
Thus, both of these stocks are trading below OKII Fair Price. AAPL and GOOG stock are selling at discounted price of 7% and 11% respectively.
Apple drop from $192 to $153, about 20% within 5-day.
Google drop from $747 to $629, about ~16% within 5-day.
Here is the Deal:
Thus, both of these stocks are trading below OKII Fair Price. AAPL and GOOG stock are selling at discounted price of 7% and 11% respectively.
Sunday, November 11, 2007
Teach Your Kid About Financing
In some of the advance country, you may notice there are some kid re-sold their toy in the market place which really act like the businessmen. Are these kid require this money to survive? The answer is not, they are putting themselves in learning how to get the first profit from their business activity. It is good to have our kid to involve in part-time job during their school holiday, such as newspaper delivery, advertisement notice delivery for earning their pocket money. From this activity, kid can gain the valuable experience and will more appreciate the money in their future life. This also make them show and prove that they can survive in this world.
Basic guideline for parent to teach their kid in financing:
At age of 3: Kid able to recognize the coin and currency note
At age of 4: Kid know how to coin value and realize that not all the thing we cant buy every single items in a store
At age of 5: Kid need to know the value of an item and know where does this money come from
At age of 7: Able to do simple money transaction
At age of 8: Know how to earn pocket money and practice the saving habit
At age of 9: Able to plan a simple weekly expense and know how to compare each of item price before purchase
At age of 10: Know how to save in weekly basis and prepare to buy a lump sum of money for future purchase
At age of 11: Know how to interpret the advertisement
At age of 12: Able to plan for two week expense and know how to use the bank service linguistic
This info is extracted partly from Richmen's Personal Memos in Chapter 20.
Basic guideline for parent to teach their kid in financing:
At age of 3: Kid able to recognize the coin and currency note
At age of 4: Kid know how to coin value and realize that not all the thing we cant buy every single items in a store
At age of 5: Kid need to know the value of an item and know where does this money come from
At age of 7: Able to do simple money transaction
At age of 8: Know how to earn pocket money and practice the saving habit
At age of 9: Able to plan a simple weekly expense and know how to compare each of item price before purchase
At age of 10: Know how to save in weekly basis and prepare to buy a lump sum of money for future purchase
At age of 11: Know how to interpret the advertisement
At age of 12: Able to plan for two week expense and know how to use the bank service linguistic
This info is extracted partly from Richmen's Personal Memos in Chapter 20.
Saturday, November 10, 2007
IJM launches Platino luxury condos
Pick from TheStar By CHRISTINA CHIN
PENANG: IJM Properties Sdn Bhd on Wednesday launched the Platino luxury condos here.
“Since the soft launch in September, we have already sold about 35% of the 228 units. The response is extremely encouraging so we expect to have an additional 30% snapped up by the end of the year.
“The balance units are reserved for Bumiputra purchasers,” said IJM Properties Sdn Bhd managing director Teh Kean Ming.
Piling work on the RM191mil development has started and the project is scheduled for completion by mid-2010.
“Platino is a luxury condominium which is within the reach of local purchasers. Luxury need not be exorbitant. Platino offers owners the luxury of space because the concept was to build ‘bungalows in the sky’.
“The really unique thing about this project is the ‘four-season’ garden, which was landscaped with a variety of plants reflecting the four seasons,” he said.
The units of the 1.4 hectare Platino project, located next to the Penang Bridge in the south-west district, range between 1,819sq ft to 6,400sq ft. Prices start from RM718,000. The most expensive units are priced at RM2,627,000. Located on a 12-hectare site, Platino is part of the Metro-East mixed-development scheme. It is about 60% completed and includes Tesco, e- GATE and Bayswater.
Thought: Which category of these people that has the money to buy such a high-end condo in Penang? This price of sale is hardly to be afforded by average white collar group in Penang. Any idea or feedback on this matter?
PENANG: IJM Properties Sdn Bhd on Wednesday launched the Platino luxury condos here.
“Since the soft launch in September, we have already sold about 35% of the 228 units. The response is extremely encouraging so we expect to have an additional 30% snapped up by the end of the year.
“The balance units are reserved for Bumiputra purchasers,” said IJM Properties Sdn Bhd managing director Teh Kean Ming.
Piling work on the RM191mil development has started and the project is scheduled for completion by mid-2010.
“Platino is a luxury condominium which is within the reach of local purchasers. Luxury need not be exorbitant. Platino offers owners the luxury of space because the concept was to build ‘bungalows in the sky’.
“The really unique thing about this project is the ‘four-season’ garden, which was landscaped with a variety of plants reflecting the four seasons,” he said.
The units of the 1.4 hectare Platino project, located next to the Penang Bridge in the south-west district, range between 1,819sq ft to 6,400sq ft. Prices start from RM718,000. The most expensive units are priced at RM2,627,000. Located on a 12-hectare site, Platino is part of the Metro-East mixed-development scheme. It is about 60% completed and includes Tesco, e- GATE and Bayswater.
Thought: Which category of these people that has the money to buy such a high-end condo in Penang? This price of sale is hardly to be afforded by average white collar group in Penang. Any idea or feedback on this matter?
Tuesday, November 6, 2007
Are your salary increament able to cover the hiking in petrol price in near future?
Do you know that how much that Malaysia spend in petroleum subsidy average each year? RM15 billion spend on natural gas & diesel subsidy. While another 15 billion is used to subsidy car petrol. A grand total of RM30 billion has been spent. At present, our country is the second largest exporter of petroleum in South East Asia, where produce 600,000 bin and consume 500,000 bin every single day. With the 6% of yearly increment in petroleum consumption, Malaysia will become net importer in 2010. Since 2000, petrol price has been increased gradually a total of 10 times with the average of 8.32% annually. Thus, do your yearly salary increment beat this 8.32%? Think about it, this is the expense most of us can't avoid.
Click Here to refer the Source of News.
Sunday, November 4, 2007
Stock Analysis Template
OKII team would like to share this stock analysis template 2007 Rev. 0, which is released on 11/04/07 with the BigDealSmallDeal blogspot subscribers. You can always refer to the MSN for obtaining the Income statement, Balance Sheet and CashFlow for a particular company and fill up the basic info in either "Detail" or "Simple" spreadsheet.
Click HERE to try out this template and please feedback to us. Thank you for trying out! Have fun with stock analysis.
Saturday, November 3, 2007
Stock Analysis: Google
Since Google stock price (GOOG) reached a historical high and closed at $711.25 on 11/2/07. Google announced its' Q3 earning on 10/18 and followed by it unveil mobile strategy on 11/2. Thus, these events trigger OKII team to understand the fundamental value of it incredible company in this century.
PE analysis result:
With the projection of Q4 revenue and EPS grow 9.8% which yield 4.644 bil and $3.78 respectively. This yields yearly 2007 EPS of $13.44. Due to Google only IPO since end of year 2004, we used the quarterly trailing EPS to study the PE track record from Q4 of 2005 to Q3 of 2007.
The current trading price of $711.25 already surpass the OKII Q4 projected Fair Price of $706.69. This Fair Value Price is calculated using: Average of Historical PE x Projected EPS.
From business owner perspective, average of Google's ROE and ROA (2002 to 2006) is 22% and 34% respectively. It retained all its' net profit for growing the business. This business is healthy where it able to give business owner a 22% of investment return since 2002 until 2006, which is referring to average ROE. The company also showed that it able to utilize its' asset and resource up to 34% by referring to average ROA. No debt and inventory are 2 of the spotlights of Google.
Here is the Deal:
OKII recommend to HOLD Google at present as it is not the right time to buy in yet. A full potential of growing company as its internet or web based tools have flood the entire globe, unlimited exploration and with the WiMAX technology, Google is taking the advantage of "You're connected to Internet Anywhere & Anytime"
Click here to get the detail of this stock analysis.
Friday, November 2, 2007
Dow Jones Drop 362.14 Point on 1st of Nov, 2007
According to the AP's news, Wall street plunged because 2 propects:
1. End to interest rate cuts
2. A slowing economy
Soaring of Oil price which passed $96 per barrel. The Federal cut interest rates a quarter point (0.25%) and stated inflation remained a concern. A report from Commerce Department indicated consumers spending in Sep scaled back because worries mounted on housing market and further credit market turmoil. Trade group reported that U.S. manufacturing grew in Oct at the weakest pace since March.
Labor Department's report on Oct job creation will be released on Friday's morning. The data is expected to show unemployment remained steady in October, with payroll growth of 85,000 new jobs, compared with 110,000 in September.
Investors pulling money out of stocks turned to the safe haven of the Treasury market. The yield on the 10-year Treasury note dropped to 4.35 percent from 4.47 percent.
For more news detail, do refer to this link.
Sunday, October 28, 2007
Cumulate of Investment Wisdom Thoughout Life's Stage
There is a question that when, where, what and how we can achieve financial freedom in most of our mind. This article that has published in SinChew is a good one to be shared with you all. It does mention about what should we do across different stages of life. Are you doing what you should do in the stage of your life towards the Financial Freedom?
Quick Summary of "Easily Earn 50 Million":
Know WHAT is investment before age of 16.
Know HOW to use Technical Analysis (TA) tool to help in stock investment before age of 18.
Know HOW to use Fundamental Analysis approach to overcome the weakness TA before age of 28.
Know HOW to use Value Investing Approach to understand the effect of economy and policy changes across the time before age of 38.
Know HOW to overcome the market psychology before age of 48.
Know HOW to leverage the fund with respect to the risk accessment before age of 58.
Quick Summary of "Easily Earn 50 Million":
Know WHAT is investment before age of 16.
Know HOW to use Technical Analysis (TA) tool to help in stock investment before age of 18.
Know HOW to use Fundamental Analysis approach to overcome the weakness TA before age of 28.
Know HOW to use Value Investing Approach to understand the effect of economy and policy changes across the time before age of 38.
Know HOW to overcome the market psychology before age of 48.
Know HOW to leverage the fund with respect to the risk accessment before age of 58.
Saturday, October 27, 2007
Stock Analysis: Re-visit ALTR after Q3 '07 Earning Announcement
Due to Altera missed the Q3 '07 earning target, it's share dropped close to 20% in less than 3 days from $23.25 to $18.81 as the closing price on 10/26.
Hence, we re-visited Altera stock target price based on PE ratio analysis with respect to the company Q4 outlook. The Q4 revenue is forecast to drop 4% sequentially (worst case). The EPS is estimated based on Net Profit Margin (NPM) of 21.8%. Thus, the revised target price is projected as $24.81, which is the center point of Avg PE (37.28) and Min PE (22.36) with the estimated yearly 2007 EPS of $0.83.
Here is the Deal:
This stock currently is traded at $18.81 as for 10/26. This trading price of $18.81 give a 25% of discount per the target price of $24.81. Thus, we recommend to BUY this stock at current trading price.
The Altera stock analysis spreadsheet can be obtained by clicking here.
Click here for reviewing previous Altera stock analysis on May 01, 2007.
Hence, we re-visited Altera stock target price based on PE ratio analysis with respect to the company Q4 outlook. The Q4 revenue is forecast to drop 4% sequentially (worst case). The EPS is estimated based on Net Profit Margin (NPM) of 21.8%. Thus, the revised target price is projected as $24.81, which is the center point of Avg PE (37.28) and Min PE (22.36) with the estimated yearly 2007 EPS of $0.83.
Here is the Deal:
This stock currently is traded at $18.81 as for 10/26. This trading price of $18.81 give a 25% of discount per the target price of $24.81. Thus, we recommend to BUY this stock at current trading price.
The Altera stock analysis spreadsheet can be obtained by clicking here.
Click here for reviewing previous Altera stock analysis on May 01, 2007.
Tuesday, October 23, 2007
Black Monday - 1987
On Oct 19, 2007, the Dow Jones dropped more than 350 point in single day. This phenomena was about similar to Black Monday of 1987. This may be a right time to enter the market as shown in table below?
This chart is captured to indicate Black Monday - 1987:
Notice the sharp fall drop, which happened on Oct 19, 1987. Dow Jones felt 508 points to 1739 (22.6%). Thenafter, it took about 2 years to recovered back to 2,500 points. For more info, please click here.
This chart is captured to indicate Black Monday - 1987:
Notice the sharp fall drop, which happened on Oct 19, 1987. Dow Jones felt 508 points to 1739 (22.6%). Thenafter, it took about 2 years to recovered back to 2,500 points. For more info, please click here.
Thursday, October 18, 2007
Monday, October 15, 2007
Stock Analysis: GENTING (3182)
This is the background picked from the genting website:
"Genting Berhad is the investment holding and management company of Genting Group. Genting Group was founded by Tan Sri Lim Goh Tong in 1965 when he began the initial development works of building a 20-kilometre private access road, across tough mountainous terrains from the foothills to the summit of Mount Ulu Kali, located at 2,000 metres above sea level.
Genting Group via Genting Berhad became involved in palm oil production in 1980 with the acquisition of The Rubber Trust Group, comprising three Hong Kong plantation companies, which owns approximately 13,660 hectares of plantation land in Peninsular Malaysia.
Genting Group via Genting Berhad became involved in the electricity power generation and supply and the paper manufacturing businesses in 1994, with the acquisition of Genting International Paper Holdings Limited and in the exploration and production of oil and gas in 1996 under Genting Oil & Gas Limited. In July 2007, the Group divested its paper and packaging business to focus on its core businesses.
Genting Berhad is one of the largest listed companies in Malaysia with a market capitalisation of about RM27.54 billion (US$7.9 billion), as at 22 August 2007, The authorised share capital of Genting Berhad was RM800 million (comprising 8 billion shares of RM0.10 each) and the issued and paid-up share capital of Genting Berhad was RM369.7 million (comprising 3.7 billion shares of RM0.10 each) as at 22 August 2007.
"
From the business tenet, this business group has a consistent operating history from 1965 til present. The competative advantage of Genting is owning the solely Casino License in Malaysia. Having the average of 20% Net profit margin and 18% of annual revenue growth from 2002 to 2006.
Here is the PE analysis result:
Assume that year 2007 revenue is estimated to be 8.2 bil based on the 18% of annual revenue growth. Using the average NPM of 20%, it yield a net profit of 1.763 bil or translate to EPS of RM0.476 (with the outstanding share of 3.7 bil unit of share). Again PE analysis is using the historical data of 6 years PE track record, which is from 2002 to 2007.
The target price is projected as RM6.78, which is the center point Avg PE (15.54) and Min PE (12.94) with the EPS of RM0.476.
Here is the Deal:
This stock currently traded at RM8.05 does not reflect a good deal to buy in, which the stock is at non-discounted price. In my opinion, whenever the stock price is trading at the Avg PE price, it is worth to monitor and can consider to buy into your portfolio.
The Genting stock analysis spreadsheet can be obtained by click here
"Genting Berhad is the investment holding and management company of Genting Group. Genting Group was founded by Tan Sri Lim Goh Tong in 1965 when he began the initial development works of building a 20-kilometre private access road, across tough mountainous terrains from the foothills to the summit of Mount Ulu Kali, located at 2,000 metres above sea level.
Genting Group via Genting Berhad became involved in palm oil production in 1980 with the acquisition of The Rubber Trust Group, comprising three Hong Kong plantation companies, which owns approximately 13,660 hectares of plantation land in Peninsular Malaysia.
Genting Group via Genting Berhad became involved in the electricity power generation and supply and the paper manufacturing businesses in 1994, with the acquisition of Genting International Paper Holdings Limited and in the exploration and production of oil and gas in 1996 under Genting Oil & Gas Limited. In July 2007, the Group divested its paper and packaging business to focus on its core businesses.
Genting Berhad is one of the largest listed companies in Malaysia with a market capitalisation of about RM27.54 billion (US$7.9 billion), as at 22 August 2007, The authorised share capital of Genting Berhad was RM800 million (comprising 8 billion shares of RM0.10 each) and the issued and paid-up share capital of Genting Berhad was RM369.7 million (comprising 3.7 billion shares of RM0.10 each) as at 22 August 2007.
"
From the business tenet, this business group has a consistent operating history from 1965 til present. The competative advantage of Genting is owning the solely Casino License in Malaysia. Having the average of 20% Net profit margin and 18% of annual revenue growth from 2002 to 2006.
Here is the PE analysis result:
Assume that year 2007 revenue is estimated to be 8.2 bil based on the 18% of annual revenue growth. Using the average NPM of 20%, it yield a net profit of 1.763 bil or translate to EPS of RM0.476 (with the outstanding share of 3.7 bil unit of share). Again PE analysis is using the historical data of 6 years PE track record, which is from 2002 to 2007.
The target price is projected as RM6.78, which is the center point Avg PE (15.54) and Min PE (12.94) with the EPS of RM0.476.
Here is the Deal:
This stock currently traded at RM8.05 does not reflect a good deal to buy in, which the stock is at non-discounted price. In my opinion, whenever the stock price is trading at the Avg PE price, it is worth to monitor and can consider to buy into your portfolio.
The Genting stock analysis spreadsheet can be obtained by click here
Sunday, October 7, 2007
Stock Analysis: AAPL
As the iPhone, new series of iPod, iMac and iWork were launched throughout these few months, Apple has a strong product portfolio lines from hardware to sofware. Thus, this attracted the OKII fund founder to analyze on this famous company which is lead by Steve Jobs.
Sometime, a good company may not trade at great fair value price to buy in. Thus, a fundamental of analysis has been carried out to find the fair value of Apple on Oct 5, 07.
Here is the PE analysis result:
Assume that Q4 of 07 is up 7% from previous quater, where the revenue is 5.82 bil and EPS is $1.17. This will yield the 2007 year's revenue and EPS of 23.6 bil and $4.17 respectively. Again, the PE analysis is using the historical data of 6 years PE rack record, which is from 2002 to 2007.
The target price is projected as $106.39, which is the center point Avg PE (39.24) and Min PE (11.79) with EPS of $4.17.
Here is the Deal:
So, for Avg PE's result, there is only 1.4% of safety margin with respect to current trading price on 10/07/07, which is $163.63 divided by $161.45. Thus, this great company stock price is trading at ~60% of targeted price and this is not the right time to buy in ($161.45/$106.39).
Click here to get the analysis detail.
Sometime, a good company may not trade at great fair value price to buy in. Thus, a fundamental of analysis has been carried out to find the fair value of Apple on Oct 5, 07.
Here is the PE analysis result:
Assume that Q4 of 07 is up 7% from previous quater, where the revenue is 5.82 bil and EPS is $1.17. This will yield the 2007 year's revenue and EPS of 23.6 bil and $4.17 respectively. Again, the PE analysis is using the historical data of 6 years PE rack record, which is from 2002 to 2007.
The target price is projected as $106.39, which is the center point Avg PE (39.24) and Min PE (11.79) with EPS of $4.17.
Here is the Deal:
So, for Avg PE's result, there is only 1.4% of safety margin with respect to current trading price on 10/07/07, which is $163.63 divided by $161.45. Thus, this great company stock price is trading at ~60% of targeted price and this is not the right time to buy in ($161.45/$106.39).
Click here to get the analysis detail.
Saturday, October 6, 2007
Apartment for Sale: Sunshine Garden at Sungai Ara, Penang
There is a unit of Sunshine Garden Apartment for sale. Unit is at 7 floor. Unit area is around 800 square feet with 3 rooms and 2 bathroom. Please contact the owner, Ms Tan at this number 012-4239321 if you have interest in this deal.
Monday, September 10, 2007
Small Deal:Bursapursuit Game - RM100,000
Due to the lack of investment interest among the young generation for those who is between 20 to 29 yrs old, Bursa Saham Malaysia held a content name Bursapursuit.
You can register through this www.bursamalaysia.com and hit for Bursapursuit. There will be individual and team event. So, be a smart investor in this game and win a prize up to RM50,000. What you need to do is form a team and register and plan the strategy for KLSE from 1 Oct to 20 Nov 07. Whoever manage to generate the biggest portfolio value will win the prize!
For Team event, here is the prize and reward:
1st Prize: RM100,000
2nd Prize: RM 30,000
3rd Prize: RM 20,000
Each of the Top 5 Individual will get also RM2,000.
The result will be announced on 3 Dec 07.
You can register through this www.bursamalaysia.com and hit for Bursapursuit. There will be individual and team event. So, be a smart investor in this game and win a prize up to RM50,000. What you need to do is form a team and register and plan the strategy for KLSE from 1 Oct to 20 Nov 07. Whoever manage to generate the biggest portfolio value will win the prize!
For Team event, here is the prize and reward:
1st Prize: RM100,000
2nd Prize: RM 30,000
3rd Prize: RM 20,000
Each of the Top 5 Individual will get also RM2,000.
The result will be announced on 3 Dec 07.
Sunday, September 2, 2007
Stock Analysis Overview of KLSE Stock Trading Company
How do these stock brokage firms in Malaysia perform on last one year? Charts at below show the performance of OSK & Hwang-DBS vs. KLCI. Both of them is having the maximum ROI about 100% vs the KLCI of ~50% (max).
Both of these firm have the same performance with respect to the KLCI. However, these brokage firms are doing outperform as compare to KLCI if sold these stock at the right time.
Both OSK (code:5053) and Hwang-DBS (code:6688) are indicator, which closely follow the stock market movement. This is because both of these firm revenue largely depend on the trading activities of stock market.
Deal: If you foreseem a bull market and yet to know which stock to pick, both of these brokage firms can be your choice as these brokage firms have the majority of the traders or investors in Malaysia.
Both of these firm have the same performance with respect to the KLCI. However, these brokage firms are doing outperform as compare to KLCI if sold these stock at the right time.
Both OSK (code:5053) and Hwang-DBS (code:6688) are indicator, which closely follow the stock market movement. This is because both of these firm revenue largely depend on the trading activities of stock market.
Deal: If you foreseem a bull market and yet to know which stock to pick, both of these brokage firms can be your choice as these brokage firms have the majority of the traders or investors in Malaysia.
Tuesday, August 28, 2007
Just a Thought: 1 Million in 60-month
Just a thought on how to make the first Million using start-up capital of $5,000. As compounding at 9.4% monthly, after 60-month this amount will become $1,000,000.
The rule is YOU Cant Affort to lose in 60 attempt in the row. This consideration is very damm hard to achieve. However, this is just a thought to be a millionaire.
Click here for detail of calculation!
The rule is YOU Cant Affort to lose in 60 attempt in the row. This consideration is very damm hard to achieve. However, this is just a thought to be a millionaire.
Click here for detail of calculation!
Tuesday, August 21, 2007
Villa Tanjung Permai - Bandar Cassia
There are two type of Semi-Detach single storey selling as FREE HOLD at Batu Kawan by PDC. The Zamrud and Topaz are selling at RM236,250 and RM136,500 respectively. Size of Zamrud and Topaz are 55x80 and 30x70 respectively. Build up area for Zamrud and Topaz is 1,184 Sft and 868sft respectively.
The price of land per square feet is RM200 and RM157 respectively. Both of this projects are inprogress and will be completed by next year. For more info, pls visit ww.pdcp.com.my or 604-6340-112/604-5872-492.
Selling point of these projects are:
1. Strategic location as near to Second link.
2. Satellite city in mainland.
3. Price per square feet is comparable with Taman Seri Tambun, which RM190.
Thing to consider:
1. Yet to have lot of population as expected.
2. Require 5 to 10 years for this place to be fully developed as planned.
The price of land per square feet is RM200 and RM157 respectively. Both of this projects are inprogress and will be completed by next year. For more info, pls visit ww.pdcp.com.my or 604-6340-112/604-5872-492.
Selling point of these projects are:
1. Strategic location as near to Second link.
2. Satellite city in mainland.
3. Price per square feet is comparable with Taman Seri Tambun, which RM190.
Thing to consider:
1. Yet to have lot of population as expected.
2. Require 5 to 10 years for this place to be fully developed as planned.
Friday, May 25, 2007
Shop Lot: Juru-Taman Seri Delima
There are 13 of units of shop lot at Taman Seri Delima, Juru, where is located south ~2km from Juru Auto City. The selling price is RM273,888 for intermediate unit, free hold, land area is 20 x 70. This Taman Seri Delima is developed by the developer name E.W. Associates. This land is owned by Tabung Projek Terbengkalai, which is belonged to Malaysia Finance Miniser. So, far there 2 intermediate units were sold out. If you have interest, pls contact Mr. Wong at 017-3380688.
Here is the Deal:
Monthly rental for 1st phase of this completed shop lot is ranging from RM1,600 to RM2,000. While the monthly rental for old shop lot around this area is ranging from RM900 to RM1,400. Based on the calculation of loaning 85% from bank at typical current interest rate offered by HSBC Bank, the gross monthly passive income is less than RM100 if the monthly rental is RM1,800.
Tuesday, May 22, 2007
Stock Analysis: ALTR
As the Q2'07 announcement, the revenue was up ~1% from Q1'07. With the projection of Q3 and Q4's revenue flat with respect to the Q2'07 and share buy back of 15% by end of Q4'07, here is the PE ratio analysis based on 04/30/2007, the Altera stock price was trading $22.82. The PE analysis are using the pass 6 years PE track record, which is from 2002 to 2006.
The target price is projected as $26.24, which is the average of PE (29.82) of Min and Avg PE times with EPS of $0.88.
Here is the Deal:
So, there is a safety margin of ~15% or ~14% with respect to trading price of $22.82 and $23.05 respectively.
Click here for the analysis detail.
The target price is projected as $26.24, which is the average of PE (29.82) of Min and Avg PE times with EPS of $0.88.
Here is the Deal:
So, there is a safety margin of ~15% or ~14% with respect to trading price of $22.82 and $23.05 respectively.
Click here for the analysis detail.
Thursday, May 3, 2007
Idea Creation for this Blog
After playing the CASHFLOW board game with friend, the 'Big Deal', 'Small Deal' and other words were playing in my mind.
This board game really simulated the ideal real life of people in the sense of faster pace and player has the chances to carry out their experiement on the topic of Financial Freedom.
In the board game, deal come whenever you throw a dace and hit the opportunity box and then just flip up the card. That's why it seem easy because it already being simplified in CASHFLOW game. That's why chance to be Financial Free is higher. However, we knew that the deals in this real world do not come to your pocket if one does not go to search after it. Thus, this blog is serving for this purpose, where everybody can post or comment after joining this blog.
Sharing of opportunies info is a great asset for us to be potential to achieve Financial Freedom.
Let's start sharing today!
This board game really simulated the ideal real life of people in the sense of faster pace and player has the chances to carry out their experiement on the topic of Financial Freedom.
In the board game, deal come whenever you throw a dace and hit the opportunity box and then just flip up the card. That's why it seem easy because it already being simplified in CASHFLOW game. That's why chance to be Financial Free is higher. However, we knew that the deals in this real world do not come to your pocket if one does not go to search after it. Thus, this blog is serving for this purpose, where everybody can post or comment after joining this blog.
Sharing of opportunies info is a great asset for us to be potential to achieve Financial Freedom.
Let's start sharing today!
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