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

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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...