Distance

Complicated feeling with abit pessimistic...
How to find the best point for us?

Physical distance is kinda huge now...
at the same time...
inner distance is getting wider too...

i'm not certain how well I and WE can manage it...

God bless us....

Future

Let's fight for future...
plan for it...

still wondering how to make it better...
learning and growing nowadays...

have to move fast and accurate...
its always not an easy task...

Gogogo...

Adult Life

We cant run away from stress in adult life...

We have to think of our career...
We have to think of our finance...
We have to think of our health...
We have to think of our family...
We have to think of our parent...
We have to think of our business...
We have to think of our future...
We have to think of our social network...

started to feel it...
have to train myself to multitasking and handle stress well...

Managing a NOT small company which recorded at average of 5 million sales p.a and with the total asset more than RM20 million. Doing wholesale and retail at the same time. 3 main products in the house...
Tyres-new,retread and 2nd hand
Battery-new & reject
Lubricants-whole range of lubs...

Targeting whole SABAH....

Marketing for retail and whosales, pricing, stock, warehouse, HR, Finance and customer and market visit...
product knowledge...
sales training...
Taking care my suppliers and customers...

That's kinda stress for me as a fresh grad and just started to get involve in that industry...

On the other hand, have to plan for future biz and own house in this 2 quarter...

Have to manage my negative networth due to study loans and tight cash flow due to a PK boss in KK in May-June.

3rd, my parents who are kinda troublesome as their not in a good relationship condition...

Lastly, have to manage my long distance relationship....MY GIRL is in KL


No other issue more????

YOU ARE WRONG....
there are some other issue which stress me out....but i have no more energy and brain's space for all of them dy...

GROWING white hairs dy....GG...
my girl help me to pull off few dy this month...

Stress and Time management....

GOGOGOGogogogogogogo...

Let's overcome it...

Bermuda Triangle

Found this interesting video clip...

some how we still can get to know it fully.

Recently...

Something bad happened...
and yet something good come to me...

I lost the JOB in KK due to the PK boss who never keep his promise and fool us around!
I quit the job and have to send my girl back to KL as we both have no job due to that PK boss!
He still owning us 1 months salary!!!

Sad and kinda worry to be apart from my girl...
Hope everything will be alright asap and we both can maintain our relationship even we are apart.

Luckily,
I still manage to get a job back at my hometown, TAWAU.
Offer by a great businessmen who I get to know him during my charity dance event!
Currently, helping him to manage his main biz (Michelin tyres, Caltex oil & lub, Century battery)...
Able to learn fast here on biz and management.

At the same time,
I started my own event company which will mainly focus in Tawau, a small place which has no quality event company.

Have to run fast to make thing happen fast.
To secure the future of me and my girl.

God bless us...
Let's Rock The World

There's Always Another Door

I always heard about this quote...
"when god close the door, he will open another for you"

I just banged to the door recently and now there is another one stay open for me.

New path and its connected to what i want in the future^^

For now i stick with this:
"Just Do IT"

Create Yourself^^

This is how we should live on^^ dont ask who you are... Ask who you want to be...

Uncertainty

Again it come to my life, kinda huge uncertainty ahead my life... still not sure whether this is a good pathway to go...

i dont really like this kind of situation where most of the things seem not under my control. many main issues are so unsecure... in this kind of condition, nothing much can be done with full focus. Thinking of the way to overcome this kind of issues. May god bless me... I'm ready to take the risk and the bet for this time... but i'm also ready to stop loss asap if there's something wrong with here...

Defying Gravity Party 2012

We are organizing the biggest charity dance competition in SABAH. we did it once back in 2006 and today we will make it happen again. this time we do it for Special Olympics Tawau. we are expecting 1500 audiences same with 6 years ago. and we are targeting to raise at least RM30k for Special Olympics Tawau.. Defying Gravity Party 2012 will has 2 categories which are: 2 on 2 Bboy and Freestyle... Hope everything will go on smoothly.

Political Scene in Malaysia

We had the Bersih 3.0 recently which aim to clean up the "DIRTY" election board... but will we get a "clean" government when we change the current government? Corruption will be there no matter where you go... will ANWAR's government act 100% for citizen's wellfare?? the transformation of the government will benefit US?? Will it make all the politician to be more GREEDY during their service?? they might try to be more "CORRUPT" to gain more during their short service term. Try to think about it...

Turning Point

Here i have...
another huge turning point...

i did once last time from a very "SECURE" and "GOOD" place to another place...
to a place that i love and interested with...
at the end...
i get it done quite well...

i withdrew myself from UTM at the end of 2006 and join TARC 2007 for Diploma in finance and investment...
its kinda hard to be accepted for my parents where most of the parent do want their children to be engineer and getting in local university is KINDA super hard and rare..
but i gave up that opportunity^^

This time...
it will even more harder^^
from PUBLIC BANK to another more entrepreneur place...

Let's do this...
have to re-arrange all my stuff and planning...

Q1 2012

Closed all my account and prepared the Q1 financial position report.
First Quarter of 2012 has recorded an increment of 15% of my Equity Portfolio.
Its included the CASH pumped in.
Meanwhile,DY is just 0.65% where there are only 3 dividends received.

At the same time,
Fixed price instrument~Amanah Saham Malaysia & 1Malaysia recorded a 100% grow mainly due to subsequent buy in.
manage to push the position back to the previous position.

Total Networth is still in red...
I'm in net debt of RM25k due to 3 study loans.

I believe i will be able to reduce my net debt to around RM10k at the end of this year.
my 2 months bonus definitely will help significantly ^^

living in hometown Tawau Sabah is one of the main factor i can improve my networth.
Average monthly expense will be around 1.5k~1.6k.
hence i will be able to save around RM900 each month^^
most of the meal expenses is cover by home and there is no rental required.
paying utilities and some pocket money to parents..
start paying rm400 to them..
then rm 500 for study loan..
leftover 600-700 for own expenses.

if i'm staying in kl,
average 400-500 in rental,utilities & public transport dy.
meal will use up 700-900..
its around 1.4k dy...
500 for loan repayment and insurance payment will reduce the leftover balance to around 500 only...
repayment to parent will be insufficient if we are trying to save & invest for future^^

i believe i will be able to do will in SABAH...
GOgogo

My Branch~working place..

Law of ying yang told us that everything must be balance to reach the equilibrium point of harmony...
ying always represent-female or the soft part of the world..
yang always represent-male or the tough part of the world..
any extreme situation will create chaos...

my manager told me that our branch has 19 staff in total...
try to guess....how balance is our yingyang??
we have only 5 male staff including the office boy..

female is almost 3 times of us...
this mean...
more gossip...
more story...
more perfectionism...
more task to handle...

gogogo...
i have to get used with it...

Latest Sotck Investing Movement

Managed to buy back my babies Wellcal and additional lots of CCK.
at the same time, increased my equity holding to 98.39% to get myself to fully invest...
with the constant cashflow from my job,i will be able to average down and keep accumulate shares...

main holding is PANAMY which is 50% of my equity portfolio...
next is CCK with 13%...
total company in my equity portfolio is 8...
with current size of portfolio 10 companies is the limit of company holding...
will increase it once my portfolio grow to 50k after next year...

this year target:
return of 10% or
dividend of RM2400

gogogo...

Our future plan

I got a bank job in Tawau...
while she got a job in KK...
at least we can meet once in a while...^^

her job provide accommodation which is the highest expense in KK or even in KL...
so it deem to be a very good offer even its salary just 2.5k...
even KL with 2.8k salary offer also LOSE to this offer 99...
i believe we will be able to save quite alot of $$ for our future in sabah...

she will work for around 1 year until we got our own house in tawau...
i believe we can manage to save and invest at least 1.5-2k each month (both acc)
if i manage to build up some part time biz and tuition...
i will be able to increase my saving from 1k to more than 1.5k...
so we will be able to buy our house after 1 year...
target house price around 170k for a small corner 2s terrace house...

2012 must really work hard...
get good record in bank's job to get promotion asap...
other small biz so she will be able to handle it when she back tawau...
have to build our income to be >6k per month...
its deem to be super enough with 6k per month in tawau...

my aim in the public bank...
2 years to be at least OIC...
then some biz income of around >2k and above...

when i'm 30 years old...
i must built passive income of at least 2k/month to secure better life in the future.
gogogo...

fight for the future...

Graduate Trainee in Public Bank

The day we get confirmed after 6 months probation, we will be the senior officer with grade A2...
one of the best benefit to work in bank...
5 days work with 24 days annual leave as A2 and above officer...
in exchange,u might be in a "pressure cooker" work place...
credit department is the most essential part of a bank...
thats the main department to earn $$ for bank...
so promotion chances are there...
if there is a chance by then...
5-6 years can reach branch manager...

currently training in KK for securities part of the credit department..
scanning those legal documents and the whole procedure...
from processing to securities and documentation then monitoring and release...
the last part..
credit control...

its a good place to learn...
no matter who we are...
we will have to apply loan one day...
knowledge of credit will help up alot..

Gogogo..
i want to go back tawau branch asap ah...

Working in Public Bank soon

next monday have to go KK training 1 monthh dy..
then will be place at Jalan Apas Branch in my hometown Tawau...
i got the position in credit department where we handle all those loans...
this post has very good career prospect...
if everything good enough 5-6 years i will have the chance to get promoted to branch manager..

working in bank has many employee benefit such as year end bonus,medical,dental,loan and better interest on our saving...
we also have at least 3 weeks paid leave a year in officer level.
the only thing that will kill us is the workload especially in Public bank which has ISO certified...

Gogogo...
i want to master all the credit department stuff...
its very useful cuz no matter who we are we will have to bank to get at least 1 loan..

SARA 1 Malaysia

Government has come out with this AMANAH SAHAM scheme where it will help low income group to increase their income...
NAJIB said that under SARA 1 Malaysia,5k investment will generate monthly income of rm138 and loan will be provided if we have no capital for this investment.
even after loan repayment,it will still generate rm50 per month.

138x12= 1,656
1656 out of 5000 equal to 33.12% p.a!!

but there is no guarantee of 33.12%...
we can see the T&C at the bottom of those ads...
nevertheless, it will still be a good investment for those low income group...
historically show that Amanah Saham Malaysia and Amanah Saham Wawasan 2020 generate more than 6% p.a.

so i do believe this SARA 1 Malaysia will not be worse than the previous amanah saham...
some more, government supporting this SARA 1 Malaysia with 100 million...



For more info:
click here

Investment Policy 2012

Get my lesson last year on OVER DIVEST!!!
Now on,i will never reduce my Equity holding less that 40% no matter what happen on the market...

My total portfolio will be divided into 4 parts in 2012,
1-Equity
2-Fixed income~Amanah Saham Malaysia and Amanah Saham 1 Malaysia
3-Gold&Silver
4-Cash

Equity-
never go below 40%,
focus on small medium company where there will be future growth potential.
focus on strong fundamental company with more CASH,low Debt,strong CF.
focus on agriculture~plantation,healthcare and tech stock.
focus on dividend company.

Current holding:
44% equity in tech due to their low valuation and potential rebound in 2012...
strong fundamental tech stock~GTRONIC and UCHITEC(HALF TECH company)
31% in agriculture and plantation>>CCK and TSH
25% in S'pore compnay...
Shipping trust with high DY>>FSL trust.

High DY holdings are UCHITEC,GTRONIC,FSL around 10%
moderate DY will be CCK AND TSH around 4%

2012 Watchlist:
healthcare: KPJ,AHEALTH&TDM(plantation+healthcare)
Agriculture: QL,TWS,FIMA(plantation+printing+building management)
Small Medium with high DY: PARAMON,SUNWAY,DELUEM,REITs,PTARAS,TIENWAH

yearly target: 15% and reach total of 40k
Dividend target: annual dividend of 2.5k

I do not want to expose my own equity investment in those blue chip because its potential future growth tend to be lower than those small and medium company.
besides that, i has some indirect exposure of it from my AMANAH SAHAM...

Due to more uncertain economic,
will increase my AMANAH SAHAM portion to secure the 6.5% dividend yield...

Lastly,
will invest around 10-20% of my total portfolio in GOLD and SILVER to preserve my portfolio's purchasing power.

Blog traffic increased

Increased my blog traffic after changing my blog address...
there is a significant increment...yeah...
next i have to increase my ADS status in nuffnang...

last time i got 2 5 stars status and 1 3 star...
now i have to start all over again from 3 star...

Insurance

No matter who you are and where you are...
This is one of the most important thing in our life...
There is always a risk that ACCIDENT or some extraordinary incident that might cause HUGE damage to us...
That's why we have to transfer the risk to other party...
We pay a premium to a company for a coverage due to those incident and they will pay $$ to us to cover the damage or loss...

But what should we insure???
how much should we insure???
how long should we insure???

Not many of us know about these...
many are blind folded by their agent who taking care their own pocket more than the client's!!!

Besides that, Not many agents even go through the whole insurance agreement and explain it to his/her clients...

life insurance is a must if you have dependent...
but it doesn't necessary to be whole life...
term and investment link policy might provide more effective protection...
its depend on how long do you need to "cover" your dependents who is ur wife or ur children...
For me,life insurance will be a NO if me and my wife are already 60-70, financial dependent and all my kids are adult!!!
Dont over INSURED!!!

For me and my wife,
Personal accident,illnesses and medical insurance are always a MUST
and it is also a MUST to everyone who may get hurt and need medical treatment!!!
so get what you need and dont over insured...

Saving plan is good plan for education fund purpose...
but not really a wise choice for those who are already 50 and above, financial stable and all kids are adult...
BUT many AGENTS tend to push saving plan to almost everyone...
where most of the time,
its is not a NEED for their clients....

TAKE CARE YOUR CLIENTS FIRST!!!
NOT YOUR POCKET!!!

Lastly,
sad to say that independent financial adviser is not workable in Malaysia yet...
most of the "financial planner" in Malaysia come with the conflict of interest with their clients...

i think agents have to know the ethic of their conduct...
wish there will be more and more people know how to plan and manage their financial...

Me in 2012

2012 will be one of the most significant year of my life...
2012 will decide which road and where am i heading to...
This is the real junction of my life...

We must have a plan and targets...
to guide us and motivate us to move forward!

1st thing...
stay with my family and be with them when they need me...
i'm the eldest, i have to do it...
no matter how good you are or how much u earn every month...
without your family, its nothing...you're nothing...

2nd thing...
My finance target...
i missed 2011 target so much...
in 2012 i set myself to hit the 40k investment portfolio...
with a dividend income of 2.5k...
will set up the investment policy for myself soon...
besides that, i must make myself to generate more than RM4k per month if i'm kl and 3k if i'm in sabah!!

3rd thing...
Do at least 1 meaningful stuff or event in 2012...
at the moment, i'm planning for DEFYING GRAVITY PARTY 2012 which is a charity dance event...
it will help charity organizations to raise fund,
promote healthy lifestyle>>the right dancing culture,
to train youngsters to organize stuff...

4th...
READ 20 BOOKS!!!
there is a Chinese say: "book has golden house"
learn from the book and we can find peace in the book!!

5th...
i want to have my own biz...
thinking of a studio,event planning,tuition...
have to confirm where do i start my 3rd stage of life 1st...

6th...
KEEP FIT...
have been gaining so much fat and weight after i retired from dancing...
spare tyres...
65kg with at least 4 packs...

2012 will no be an easy and simple road for myself...
many uncertainties and many tough decisions to make...
God bless me that i will head to the right direction...