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。

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.

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.

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.

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.

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?

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.

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.

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.

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.