Community House in Sheffield

its an old-folk community house where there are around 60 elders staying there...
they have a very nice common room...
they have a very kind and friendly manager~TINA the cutest lady beside me...

some of them are no in a very good condition and need a health carer to look after them...
but most of them are kinda active, interactive, kind and friendly...
its kinda funny when there is an "Ah Po" age 98 and still kinda talkative...
so cute and funny...

went to this place with 2 of the university's stuff...
main purpose of this visit is to learn how they live and their experience in sheffield...

we talked about the oldfolk house and the community house here...
here in sheffield...
everything is kinda peace,positive, and interactive...
back in malaysia...
its kinda different...the whole atmosphere is kinda dull and sad...
even the worker of the oldfolk house is DULL and sienz...

this community house in sheffield is a good place to live when i'm old...
comfortable...
friendly and active mates...

not bad ah...^^

"we need to visit them more often to interact with them"

Let's get some motivation ^^

CCK consolidated holdings berhad

above is the preview summary...
CCK is one of my main holding which is 34% of my portfolio...
its in food sector...this is why i invest on it...
small company...hence moving slower than index~beta <1
good fundamental...


its been trading at the range of 0.2++ to the max around 1.2.
1st bought it in during 2009.


its price to book value move around 0.8
which is kinda undervalued...
graham taught us not to pay high price which is overvalue from its book value...
its a safety margin for us if we buy at price to book value below 1...
but not all industry tend to have price to book value around 1...
high BETA industry such as finance,property and oil&gas tend to have higher price to book value...
most of them can be consider cheap when approaching price to book value around 1.5-1.75...


PE since 10 years ago...
it is trading at a PE of 10 most of the time...
compare with KLCI currently~PE of 15...
anything below PE of 10 seems cheaply priced...
current PE around 8-9 is kinda comfortable or relatively safe...
investing in CCK cant expect of EXCITING return in a year...
its share price tend to move slow and steady...
anyone purchase 2 years ago...u gain 22% so far...
normal DY is around 3.5% (slightly higher than our FD rate)
please take into consideration of the treasury share and its ability to give out special dividend once in 2 to 3 years...


lastly,
let see some of the major ratio and justify whether Tiong family did they work well or not...
ROE get back on the ground 10 well...12.49% last year.
net margin is around 4%...
this will get better when its prawn biz get better!!!
CCK is expanding its most profitable biz currently~RETAILING!!
1 dragon services...thats good...

the best part is!!!
good cashflow...
cashflow over sale is 6.45 last year...an average more than 5.5!!
thats why CCK managed pay back quite alot of its debt!!

inventory turnover getting faster...
expanding the retail arm will increase the speed even more...
i quite confident that CCK will do some expansion on its poultry biz soon too...
too make sure its supply can meet the demand all over its retail stores...
its debtor pay back the credit in faster pace...
good for CCK's cashflow!!
debt ratio is deceasing and yet sales increased!!
we did some calculation on the cash ratio last time...
it is well above 1...

to summary it up...
CCK~cash rich,strong cashflow,normal to good dividend(depend whether got special dividend or not),low debt,still growing,low PE and price to book value...
i consider CCK as a good stock for LONG TERM!!!
its the best performer in my portfolio!!

will hold it til its rust!!

**all the information are collected from DATASTREAM (SHU got 1 license for 1 PC in the library only)
DATASTREAM is one of the major database software used in finance industry!!!
so grad i can use it for FREE!!!

Financial Education~start from the base..

Low Risk return

always turning on my mind to think how to earn $$ with the lowest risk possible...

i got a plan...
refinance my house (own by my parents not me)...
may be just RM 100k...
how much will be the interest charge when i'm good enough to do that?
if the refinance cost is just around 5% or below...
then my plan might work...

borrow at 5% and invest all in safe dividend instruments...
Amanah saham~>6%
REIT~>7%
high DY stock~>7%

then i will have 1% to 2% free interest!!
100,000 and i will have 1k free...then reinvestment keep it going...
i will be able to gain bigger portion of "free" gain...

hmmm...
can be workable...

Gentlemen Club in Sheffield~

1st time ever...
pay for a private dance in the strip club!!!

last nite was my 2nd time get into the G.Club...
the club offer free entry for student every Tuesday...
it is a nice place to drink and lepak...
cuz got FREE show watch...
each strip dancer will be allocated 2 songs to perform on the stage with a pole...
1st song~dance with bra and bottom...
2nd song~NO BRA~~~~

then the rest of the time...
they will go around and ask whether you want a private session with them or not...
THEY WILL TAKE OFF EVERYTHING during the private dance...
**they P*ssy really CLEAN 1 lor....

10 pound for 1 song...that the normal price...
then there are 2-4-1 throughout the night...thats mean 10 pound for 2 songs...
VIP private dance will cost you 60 pound....
15 mins...more DIRTY dance....
(should be able to touch them if you are in the VIP session
**not sure yet d oh..)never try this...

last night...
we and my GF paid 10 pound each for the 2-4-1 with 2 strip dancers...
we swap dancer after the 1st song...
my GF always wanted to TRY this...

btw,
10 pound for 3 experiences...thats good...
1 got SEXY private strip dance session (1st song)...
1 not a good session (2nd song...
lastly...
go for a private dance together with my GF...

what a wonderful experience...

IF i take the same dancer for 2songs...
sure can sing NEGARAKU dy...
the 1st dancer is kinda HOT...
she can make you feel like eating her!
BANYAK ada feel d...

we spent 25 pounds last night...
private session and beers...
its RM100...
once of the life time...
ITS Worthwhile!!

cool...

Bersih ~709~

who like dirty stuff??
only those who can benefit from those DIRTY stuff will love to be DIRTY!!
but how many benefit from it??
1000 out of 13million people??

we just want to have something which is FAIR to everyone...
all races are raising this issue...
this is what we call 1 MALAYSIA...
we just fight for better MALAYSIA..

"B"a"N"ana dominated the place too long...
they formed their own crony and benefit each another 1st before other priority..

we are in "HALF" democratic country...
its useless to have half of it...
let's do it FULLY democratic...

even corporate governance teach us about the check and balance...
what happen now is...
there is no one to check and balance up our politic as the main cause of most of the problems!!

for a better MALAYSIA....
for 1 MALAYSIA...

let's us do some GOTONG ROYONG...
to clean up some of the mess...
i love BERSIH...

Dividend Received

target of 4 digits dividend in 2010...
we have reach the mid point of 2010...
total received dividend so far is 715.24...
upcoming dividend will be the GTRONIC div which is RM100 will be received in these few days...

so total DIV received in 7 months will be 815.24!!
there will be at least 2 more div payments from wellcall where it will be a total of around RM250...
hence i will receive at least more than RM 1,000.00!!
cool!!
i forecast that GTRONIC will pay another div at the last quarter of 2011...
hence i might be able to get an annual dividend of RM 1,200.00

sold out 1 of my major div generator~FSL trust
due to its down turn biz cycle and the worst performer in my portfolio...
luckily,
still able to generate more than 4 digits div...

main mission gonna be completed...
total portfolio return might not be able to reach the target of 15% this year...
except,
tech industry recover in few months time...

current portfolio is kinda balance with the allocation of...
wellcall~36%
CCK~35%
Gtronic~31%

with a cash ratio of 13.84%






http://10persons.blogspot.com/2011/03/my-portfolioupdates.html

UK financial services---DAMN GOOD

now i know why LONDON is the world no.1 financial center...
if you have any inquiry...they will call u back in a min!!!
if you need any information...you can get it easily from the internet...
if you want to open an account here...they will appreciate it very much...

digital look is one of the main website to collect information...
requested some hardcopy annual reports from them...

guess what??
F.O.C and post it to your front door...

they have huge coverage on most of the company...
there are many financial website cover all the financial news...

that's why malaysia away back behind.
still wondering whether i should also open an stock trading account...
not going to touch the CFD 1st...
too risky...