Let's plan how to live comfortable in KL

gonna finish my degree in this coming OCT...
thats mean i will be working in the end of this year...
UK's economic seems to be "tough"...
dont think foreigner can really get jobs there...

S'pore kinda good...
might work there for few years...
living cost and earning power kinda aligned...
no big different with the working person in KL...
but it will be an essential different if i save part of my salary back in RM...
exchange rate of 2.4x...
for me the best part is...
S'pore is an advance country which can let me gain enough experience and exposure..

last resort...
working in KL...
in investment bank,bank negara or SC...
i will be able to get around 2.8k-3k salary...

what we need in kl??

rental~cant directly buy a house yet...
total of RM 400(include utilities)

Car~saga
total of 600 (repayment+some maintainance)

Insurance
total of 300 (PA,medical card and may be 36 diseases)

Food~normal restaurant
total of 1.2k

petrol and toll
total of 400

daily products&others
total of 100

**easily can cost around RM3k
no saving at all!!
hard to send $$ to parents too
hence need more income source...

for me myself...
i might be able to have 4-5 income sources..
1 main job
2 tuition
3 lecturing in coll or uni
4 insurance~long term view
5 some small biz
6 my investment's dividends (but cant touch it until it hit the target)
**optimal salary in KL
at least 5k...


if we are not alone (couple)...
situation might be better if both of you plan together and commit to it...

need only 1 car~RM600
rental still the same if live together~RM400
insurance double up dy~rm600
petrol and toll need more for dating~rm600
Food(outside food during dating only)~Rm2k
daily products~300

total will be 4.5k...
if total income is around 6k...
still kinda good to have 1.5k left for other purpose...

my optimal total salary for couple will be 8k...
can live better....
can be ready to buy a house...
can send more $$ to parents...
can have more $$ to save and invest...

btw,
we need to work hard in KL...
fight for the future...
and plan for it always one of the most essential part...

Correction of KLCI

its has been a week of correction where our KLCI come to 1526
time for some trader to get into the market again...
there is always some minor and major correction during the bull run...
we are having 2 years bull run since march 2009 until now...
we should have some major correction now...

still sticking with my own investment...
not gonna do some big trade...
dont buy in just to trade!!!
invest ur money!!

received 2 DIV payment this month...
waiting to see whether GTRONIC will pay out div in feb...
how can get some extra angpow ba...wakkakaka
total DIV received so far~~around RM180
gogogo....

lets build a nest egg which can support our living...
i wan to be financial independent before 35...
million net worth before 45 ah..
then i can enjoy my life with my family...especially my wife...

In Love

our 1st date...
we went to the OSK career fair together...
cuz we are in the same class and same course...
need to be ready for our real life soon...
need to plan well to provide her a stable and comfortable life...

then we went to KLCC...
lunch...
movie...
shopping...
really enjoy being with my dear "lao po"...
enjoy testing all the clothes she picked up to let me try...
enjoy having lunch with her in sakae sushi...
enjoy talking with her especially when she talk about future planning of ours...

then we shop all around the watson and guardian to purchase some daily products...
we are using the same brand of facial product...
same deodorant...
5-6 pieces of couple shirt...

then had our dinner at wangsa and went to the jusco again to purchase the scrub treatment product...
she look abit tired in the pic dy...wakakka
my cute little "lao po"



i really glad to have her in my life...
miss her so much in sabah currently...
love her more and more everyday...


i wish i could hold this hand and walk through the other 70-80 years until...
grow old together...

my "SHE"

we meet 4 years ago when we are both in Diploma...
started to know you 3year++ when we are in the 3rd semester...
we have been in the same class and so "brother" for few years...
and now...
we are together as a couple...

i'm glad to have her...
new motivation energy to go further and be a better men...
myself in this moment might not be able to give all she want...
but i will work it out with all my best...

i cant say i really understand her...
but at least 3 years did let me know her more...
we been so talkative since we are friend and brother...
even now...
we talk more...
we share more...
and we know more about the other 1...
Its been officially 3 weeks dy...
we face few problem...
1 kinda big...which require both of us to overcome it...

in the 2 way relationship...
we need 2 hold hands and overcome the challenges together...
we can do it if we have the same aim and priority...

i will do all my best to keep it up...


i dont have a good outlook...
but i do have 101% of my heart for you...

i'm aint rich at this moment...
but i willing to share what i have now and in the future with you...

i dont have everything...
but i will make it together with you...

i will...
i wish...
i want...
i like..
i love...

being with you for the rest of my life...
let's work it out together...
never give up...

LOU PO ZAI...
i love you

How PAY a SAGA FL easily?

1.3 Standard M/T RM37,998
1.3 Standard A/T RM40,998
1.3 Executive M/T RM40,698
1.3 Executive A/T RM43,298

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Let us take the Manual for executive which cost us RM40k...
pay down payment of RM5k...
take up car loan of RM35k with 2.75% for 7 years...
each month we have to pay around RM500++
this will cost us RM6k per year!!

i always plan to let my $$ work harder for me...
so i will build a investment portfolio to pay for the monthly prepayment for my car..
same as what i planned last time for the PTPTN prepayment...

we can easily find a STOCK which pay consistent div of 8%...
example: 4 top REITs listed in bursa...one of my holding~WELLCALL pay more than 8%..
Annual dividend of RM6k by a Dividend Yield of 8% need a total of RM75k in the portfolio...

with my current portfolio...
20k as the start up of this plan...
i just have to invest RM500 into my portfolio for the rest of 5 years...
and get an average return of 15% p.a...
i will be able to get RM80k at the end of the 5th year...

for better comparison...
i will buy the SAGA FL by 2012 after i graduated and start working...
my portfolio grew 1 year dy...so left 4 years...
i pay the SAGA FL by my own salary at 1st and let the portfolio grow...
after 4 years...i can let my RM80k portfolio to pay for the car...
thats mean,i PAY the whole new SAGA FL in 4 years with monthly repayment of RM500++ ONLY!!!
does this sound good??

at that time,
i can choose to let my portfolio grow at the 15% and i pay myself....OR
i let my investment grow slower at around 7% after i took the 8% DIV out for the repayment...

i can even let the portfolio pay for my mortgage!!!
i let it grow until the annual dividend reach rm15k to rm20k...

BTW,
monthly additional capital will increase from year to year after i get promotion and other side income...
scenario 1:
same plan as above but i double up my monthly additional capital to rm1k~rm12k p.a
and let it grow ofr 10 years...i will have RM324k!!
at that time 8% div of my portfolio will give a monthly outflow of RM2.16k...
i can purchase a house worth RM360k without down-payment...
with mortgage charge 6% interest and pay for 30 years!!!
thats mean i pay the HOUSE for only 10 years!!!

scenario 2:
my wife and I earn an average of RM8k monthly for the 10 years or even 20 years...
we bought the car(repayment RM500) and house (repayment RM2.16k)
we used 33.25% of our household income...(still consider healthy in term of our finance position)
then we allocate 25% into the investment portfolio...which is 2k...
RM3.36k leftover for living expenses and other expenses should be enough to live above the water ba....
1k for all the insurances...2.36k for F&B + utilities...

then after 10 years our portfolio will have a value of RM568k!!!
8% dividend of 568k is RM45k p.a....
or RM3.8k monthly...
15 years??
value of RM 733k
20 years??
value of RM 1.5mil...

i'm 24 this year...i can be a millionaire when i'm 44 years old...
"EVERYONE can be a millionaire if you know how to plan and manage your finance"

Speculate on "Good" catalyst

Gopeng...
involve in the construction and infrastructure...
has been awarded some project under PLUS d...
also diversified into plantation biz...

2 main catalyst issues in this GOPENG's biz...
CPO (plantation) and construction..

lastly is the 35cents special div...
due to the disposal of its sub-company to YTL cement...

paper trade for this counter:
cut win 1.55 (duration~5 trading days...)
will buy in around 1.4-1.43...

2nd chance:
Handal...
O&G related...
but its very new...
low PE among the peer...

Proposed bonus issue of warrant and share...
current price 1.23...
cut win 1.45 (duration 15 trading days)


Previous paper trading's stakes:
""decided to pick up Gamuda for construction, Affin for finance, Dialog(my ex-lover) for O&G and FimaCorp for plantation related...
Yesterday closing price:
Gamuda~Rm 4.07
Affin~Rm 3.18
Dialog~Rm 1.97
FimaCorp~Rm 6.42""

Dialog 2.19 (gain 11.17%)
Gamuda 4.00 EX-date of div (almost equal)
Affin 3.55(gain 11.64%)
Fima 6.32(loss 0.2%)

**(this is just personal records, its not an invitation to trade!!)
***(any trading decision made is your own responsible)

What is your LIMIT??

Believe in yourself is one of the most essential thing you need to do...
be positive..

read a story...
some one ask the owner of an aquarium
"how big can a shark be??"
owner answer
"depend on the size of the aquarium.."
that person didnt really get it...
owner explain..
"shark in aquarium will grow the max to the size of the aquarium..."
"but shark in the sea can grow until it can swallow a human in 1 time!!!"

dont frame yourself...
we have many hidden potential inside ourselves...
dont limit yourself...
let it grow and let it be...

that's why Donald Trump also emphasize on
"THINK BIG"
human tend to defeat themselves...
"i cant do this....i cant manage it...i scare to try..."
sometimes...
human dont even dare to DREAM!!!
DREAM cost nothing...babe!!!!
feel free to dream...and try to think of it and plan for it!!!
everything will seems very POSSIBLE!!

thats why...
i always plan and aim high...
and dream more...

there is a Chinese say
"人因梦想而伟大"

i believe i'll become a millionaire in the future!!!
let's see how its goes...

HSBC Young Entrepreneur Awards 2010-11 >>round 2

https://www.asiayea.com/my/voting_details.aspx?id=101

feel free to vote for my team...
Thermo Green~
we use thermo-electricity as our core product...
generated thermo electric will be recycle back to the building and power up its electrical equipments and facilities...

for more info,
please watch the short clip and vote for us...
thanks

Stock Market Lesson~

Learnt few more lesson this few months...
the "bull" side...

need to enhance my investment strategy...

1) holding period need to be long enough...
wait for the undervalue counter to be valued at the fair price...
missed Dialog,Hiro and media...

2) Buy low at its low PE level...
its depend on which type of company you are investing on...
some has high PE range while others might be low...

3) Buy fundamental and hold until its fading off...
stay with the fundamental!!


never goes wrong too far with these method...
lastly...
i'm still more toward the dividend company...
exposure myself to little volatility...
GTRONIC~tech stock...depending on the economic alot...

This is what we call education...

OSK career fair 2010

Date: 22 Jan 2011, Saturday
Venue: 11th Floor, Plaza OSK, Jalan Ampang, 50450, Kuala Lumpur.
Time: 9.00am - 2.00pm
Dress code: Smart casual

Event Highlights:
- CV Clinic
- Free Workshops
- Positions offered: Management Associate/ Graduate Associate/ Operations Associate/ Associate

- Only open to students, lecturers, campus reps from Malaysian campuses
- RSVP your participation on Facebook
- Kindly RSVP to confirm your attendance by sending an email to Emmy/Kien at info@oskic.com (Please include your name, IC number, email, mobile number and Uni/ College name).
- You may also contact Kien at 017-3443440 for further information


http://www.facebook.com/event.php?eid=191058030908809

Making "LOVE"~~

what do you think about making love??
or may be we should know what is love at 1st...
LOVE is no a relationship built on physical aspect only...
but spiritual and mentally...
LOVE is not a kind of 1 way relationship...
its 2 way!! need commitment from both parties!!!
LOVE is no a game...
its a responsibility, commitment, promise and passion...

here come the SEX~making LOVE
its not just a physical contact and activity...
making love/sex require more than just physical movement!!!
we need to feel the other one fully...

its a 2 way process...
both should be satisfied especially the mentality and "feeling"...
2 way need communication, tolerance, understanding and passion from both..

i do not anti sex before marriage...
but dont take it as a game or just a sport!!!
think about your partner/lover before, during and even after the SEX...

LOVE need alot of understanding, tolerance and passion...
same goes with the "make love"...
its might need more than physical ingredient!!

Current Stock Market

KLCI started up so "bull" in 2011...
klci started to gain back some foreign participation...
main themes for current period are...
Plantation, O&G, Construction and Banking sector!!!




we are having huge trading currently...
hit above 2 bil of volume and above RM 3bil in term of value...
a sign of bull market...

let see how far this bull can go...
no one knows...
you can be friend with the current trend...(momentum trading)
or ready to cut ur position...(sell high)

i will stick with my own investment method...DY method...
might reduce my holding if market went too crazy...
or above 15% gain of my total portfolio in the short run...

cant do some small speculation due to the lack of excess capital...
need to sit tight and do paper trading only...

decided to pick up Gamuda for construction, Affin for finance, Dialog(my ex-lover) for O&G and FimaCorp for plantation related...
Yesterday closing price:
Gamuda~Rm 4.07
Affin~Rm 3.18
Dialog~Rm 1.97
FimaCorp~Rm 6.42

New deposit insurance limit of RM250,000

KUALA LUMPUR: The deposit insurance limit will be increased to RM250,000 per depositor per bank with effect from Friday, Dec 31, 2010 and this will protect 99% of retail depositors in full.

PIDM is the government agency mandated by Parliament to protect depositors against the loss of their funds in the event of a member bank failure.

http://www.theedgemalaysia.com/business-news/179416-pidm-new-deposit-insurance-limit-of-rm250000-effective-jan-1.html



**we are safe!!!
dont worry that the bank run will happen in Malaysia...

Different view of Investment...

meet up with an uncle today...
main purpose of the meet up was to discuss more detail T&C for his son home tuition...
end up we have 75% talking about investment and career sharing...

Mr.tan dont use technical cuz its a decision made by the computer...
but he dont 100% in fundamental too...
he will trade for the micro trend of the counter...
Momentum trading style...

he thought me the stop win and stop loss...
how one get greed...
and yet...
he ask me try to get into antique..
try to make it a hobby and invest on it...
he currently invest in GEMS stone...
more confirm appreciation...
less monitor needed...
good return...
gems can be found around the world from the price of ten bucks to thousands...

in my mind...
GEMS do not have the clear market yet...
not liquid...
hard to justify the quality...

equity still my best choice where its a liquid market...
low entry cost...1 lot only equal with 100 share...which might cost you less that Rm100!!
transparency is there...at least we can get more info about those company...
equity provide more sustainable return...
regardless on the trend of the market...its still grow...
as long as the business grow!!

but he said something very important!!
investment in equity need us to have good judgement and the gut!!!

hmmm...
learn something from him today...
get some useful info...

Happy 2011

another year to go...
new life...
new hope...
new start...

2011 will be my transition year where i will get into the work force in the end of 2011 after my UK study...
hope can get the job i want>>>UK/S'pore/ last resort~Malaysia in investment field.
quite ready for it dy...

since 2006...
never get into a relationship...
its been 4 years of no "confirmed" relationship...
in 2011,i'm no longer single...
i'm currently "double"...
looking forward for the "triple" in da future...
5 years time should be enough...wkakakkaka...

pretty sure that 2011 will be my major turning point of my life...
my career...
my future...
my relationship...

what a challenging 2011...
feel excited for this 2011...
GOGOGO...

"let's rock the 2011"

Financial Statement of 2010

still manage to maintain positive net worth of almost a RM500!
debt ratio stood at 97.69% where total Asset still able to pay off all my loan...
loan consist of PTPTN and TARC education loan of a total of RM 20,000

major purchase of the year will be my LapTop!!!
main reason of the purchase is for the UK course which need it to complete my assignments.

liquidated the RM 2,000 fixed income instrument to support the recent year end's expenses...

Investment portfolio recorded a growth of almost 90%!
pumped in a total of 7.5k into the portfolio this year...
ROI of the portfolio this year is 14.99% only...
reconstruction of portfolio in OCT forgo some of the capital gain counter...
Dividend yield of 2010 is 4.03% excluding 2 more accrual dividend payments.

next year will be a challenging year in term of financial achievement...
UK study might require me to liquidate some of my portfolio...
Main aim>> investment portfolio of RM 30k and ROI of 10%
10% return of current portfolio will need me to pump in extra 8k++ to reach the 30k.
still pretty optimistic for this!