为何我开始用英文写作?
我还记得当我加入现在的公司时,全部交谈都是以英语为主。现在会想起来, 我真的成长了不少。2012年8月之前, 我不曾用过英语交谈一整天。
你问我自卑吗? 当时我是的。
但我做了什么? 我尽力用英语与其他人交谈, 不介意别人的眼光。越不舒适的圈子, 我越想要挑战它。
我的第一年, 打下了英语沟通的技巧, 也证明了本地毕业/学院生可以媲美外国毕业生。
我的思路, 我的行动力, 还有其他其他, 我现在都引以为傲。这都感谢我的父母对小时候的我们的信任与培养。(我的父母是典型的传统华人家庭, 他们没有坐在我旁边陪我读书写字, 大多都是问功课做完了没, 这是因为他们读的书也不多)
我一直讲说我是一名thinker, 我引以为傲。你还没有表达时, 你的思路应该已经组织好,也想着下一个话题是什么了。
哈哈, 离题太多了。 由于我是华文背景出生, 我已经可以说的一嘴流利的英语, 但我也开始出现瓶颈。 那就是在我的 report writing skills, 我现在积极的训练如何write professionally 和每一天都在学习着新的单字, 要为我本身的未来而铺路。
Life is tough, but you should not give up before trying.
Monday 11 April 2016
37. Insurance 11/4/2016
We always talk about investment and financial planing.
But did you keep re-assessing your insurance portfolio that suits your best needs?
But did you keep re-assessing your insurance portfolio that suits your best needs?
To summaries our thought ahead, insurance plans mainly should cover below:
1) Life
2) Critical Illness
3) Medical Card
1) Life
2) Critical Illness
3) Medical Card
And all the above cateogies may differ from the respective insurance provider and we will talk more on your ideal coverage.
Life - it means you will get the sum covered when you are dead or permanently disabled
Critical illness - Mostly cover your cancer illness or some other serious illness
Medical - This will cover your hospitalisation expenses, allowances etc.
Critical illness - Mostly cover your cancer illness or some other serious illness
Medical - This will cover your hospitalisation expenses, allowances etc.
The above will further break into traditional and investment linked product nowadays.
This article is not meant to tell you on what to buy or what to assess.
It is to document or record my thoughts from time to time. An ideal plan for myself -
1) Traditional Life Plan - Lock in my premium for whatever coverage that I want.
2) Critical Illness - This is a must as you can "cash out" once you are diagnosed with cancer, etx
3) Medical Card - Buy a ONE AND ONLY ONE reasonable medical card that you think can sufficiently cover the potential expenses.
1) Traditional Life Plan - Lock in my premium for whatever coverage that I want.
2) Critical Illness - This is a must as you can "cash out" once you are diagnosed with cancer, etx
3) Medical Card - Buy a ONE AND ONLY ONE reasonable medical card that you think can sufficiently cover the potential expenses.
Rationale behind is due to :
You can only utilise one medical card at a time (Unless you have supplemental card that can continue to be used after the first card) and its on a charge-per-use basis.
It also mean that you can't get any additional cash upfront before the operations/hospitalisation expenses are incurred.
I am of the view that you should top up your life and critical illness plan after buying your first medical card. (Medical card and life are in a package and they are sold to you as investment link product nowadays)
The life portion of your current package ( medical card and life) can be tailored and reduce the life premium (as the price in investment link is not locked, meaning you will be paying more and more throughout the years for same life coverage you get)
Meanwhile, I also heard from my agent that traditional package is getting lesser and lesser and the markets are all pushing on investment link product due to higher commisioners earned.
While you are still young, perhaps you can keep the life portion in your plans but you should consider reducing the portion as you will be paying higher premium in investment linked product (although you do not see it now yet)
While you are still young, perhaps you can keep the life portion in your plans but you should consider reducing the portion as you will be paying higher premium in investment linked product (although you do not see it now yet)
You might not be able to see the rise of your premium in investment linked product now, but you will see it one day when your residuals cant cover the monthly premium. This often results in cases where the elderly people enter the plans late.
My solemn and honest advice would be still have a wise/fair insurance coverage for ourself and families and please pay efforts to study more on what's happening or latest development in the market.
Last but not least , you are also not encouraged to start your saving plans before buying reasonably sufficient insurance coverage.
Wealth Hunter
Saturday 9 April 2016
36. MyDeposit Scheme @ 9 -4-2016
Najib pleasedly announced a new scheme to help the first time home buyer in Malaysia-MyDeposit scheme
It is undeniably a great news for Malaysia who aims to purchase first home in current volatile market.Due to the sluggish property segment recently, the power of bargaining has been switched from a seller to a buyer nowadays.
The trigger point for this is due to the overblown of property price which has caused an unattainable house owning dream.
This has resulted in a more precautionary step taken by Bank to raise up the bar for loan approvals and BNM eliminates DIBS to prevent further speculating activities.
2016 might be a year for change for lots of us. It is the time for us to have a cheaper/ reasonable housing price, after a skyhigh rocket-shooting surge for the past few years.
Nevertheless, due to the action taken to curb the speculating activities, it has knee jerk reaction which direct/indirectly impacted our serious buyer as well.
As the bar is higher now, we find difficulties in getting the loans to be approved. The debt service ratio (DSR) now can be lower as compared to the prior years and a stringent background check on CCRIS CTOS are now full in place.
To counter htis, lots of measures have also been taken by government to help us on this : PR1MA & Rumah WIP which are lauched at RM300k or below.
The payoff behind the cheaper price are the higher density, more level of multilevel parking and the prohibition of selling the house within 10 years.
I appreciate the scheme launched recently and this does help the needers to attain their first house dream faster.
What is MyDeposit scheme?
1) This is for someone with monthly income not more than RM10,000.
2) This is for first time home buyer
3) Its 10% of buying price or capped at RM30,000
4) Only applicable for houses ranging not more than RM500,000
30,000 of a RM500,000 is about 6% of the total price. It means you get a 6% discount from the scheme.
It sounds promising, right?
So, please remember that you are entitled for the scheme above and apply accordingly to enjoy the benefit of it.
Remarks : This is only applicable for those who obtained the bank loans and sign S&P after the approval of getting the MyDeposit scheme. Tricky play on this - to demand a house which is priced slightly higher than RM500,000 to RM500,000 and below ensure your full entitlement on this. (We have a higher bargaining power now anyways!)
Below are the extraction from the website － http://sprn.kpkt.gov.my/sprn/content/mydeposit-write.html for your reference
SYARAT DAN KELAYAKAN PERMOHONAN MyDeposit
KPKT akan melaksanakan penapisan pemilihan permohonan yang diterima berdasarkan kelayakan berikut :
Pemohon mestilah warganegara Malaysia berumur sekurang-kurangnya 21 tahun ketika permohonan dibuat dan tiada umur maksima ditetapkan.
Permohonan ini adalah bagi tujuan pembelian rumah pertama bagi satu isi rumah.
Pendapatan kasar RM10,000 dan ke bawah sebulan. Pendapatan kasar bulanan termasuk semua bentuk ganjaran hasil daripada pekerjaan atau perniagaan (upah, gaji, komisyen, bonus, elaun dan lain-lain) .
Pemohon mestilah mempunyai kelayakan untuk membuat pinjaman perumahan dengan mana-mana institusi pembiayaan. dan
Pemohon yang layak akan diberikan kelulusan bersyarat dengan tempoh 30 hari untuk menandatangani Perjanjian Jual Beli rumah yang hendak dibeli.
KRITERIA PEMBELIAN PROJEK PERUMAHAN YANG DIBENARKAN
Pembelian projek perumahan yang dibenarkan dibawah Skim MyDeposit ini adalah seperti berikut :
Projek perumahan baharu yang berlesen atau perumahan pasaran sekunder (subsale).
Harga pembelian adalah RM500,000 dan ke bawah; dan
Kelulusan pembelian bagi projek-projek perumahan swasta yang tidak mendapat subsidi insentif dana Kerajaan.
DOKUMEN SOKONGAN
Senarai dokumen sokongan yang perlu dimuat naik di Sistem MyDeposit :
Salinan kad pengenalan pemohon dan pasangan.
Salinan surat nikah/sijil nikah (Jika berkenaan).
Salinan kad OKU/surat pengesahan OKU (Jika berkenaan).
Salinan surat akuan sumpah bekerja sendiri.
Salinan surat pengesahan majikan.
Salinan penyata gaji terbaru.
Salinan penyata KWSP atau penyata cukai pendapatan
Salinan surat pencen( Jika berkenaan).
Muat naik salinan kad pengenalan/MyKid/sijil kelahiran.
Salinan surat tawaran /pengesahan daripada pemaju/penjual .
salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan.
Wealth Hunter.
It is undeniably a great news for Malaysia who aims to purchase first home in current volatile market.Due to the sluggish property segment recently, the power of bargaining has been switched from a seller to a buyer nowadays.
The trigger point for this is due to the overblown of property price which has caused an unattainable house owning dream.
This has resulted in a more precautionary step taken by Bank to raise up the bar for loan approvals and BNM eliminates DIBS to prevent further speculating activities.
2016 might be a year for change for lots of us. It is the time for us to have a cheaper/ reasonable housing price, after a skyhigh rocket-shooting surge for the past few years.
Nevertheless, due to the action taken to curb the speculating activities, it has knee jerk reaction which direct/indirectly impacted our serious buyer as well.
As the bar is higher now, we find difficulties in getting the loans to be approved. The debt service ratio (DSR) now can be lower as compared to the prior years and a stringent background check on CCRIS CTOS are now full in place.
To counter htis, lots of measures have also been taken by government to help us on this : PR1MA & Rumah WIP which are lauched at RM300k or below.
The payoff behind the cheaper price are the higher density, more level of multilevel parking and the prohibition of selling the house within 10 years.
I appreciate the scheme launched recently and this does help the needers to attain their first house dream faster.
What is MyDeposit scheme?
1) This is for someone with monthly income not more than RM10,000.
2) This is for first time home buyer
3) Its 10% of buying price or capped at RM30,000
4) Only applicable for houses ranging not more than RM500,000
30,000 of a RM500,000 is about 6% of the total price. It means you get a 6% discount from the scheme.
It sounds promising, right?
So, please remember that you are entitled for the scheme above and apply accordingly to enjoy the benefit of it.
Remarks : This is only applicable for those who obtained the bank loans and sign S&P after the approval of getting the MyDeposit scheme. Tricky play on this - to demand a house which is priced slightly higher than RM500,000 to RM500,000 and below ensure your full entitlement on this. (We have a higher bargaining power now anyways!)
Below are the extraction from the website － http://sprn.kpkt.gov.my/sprn/content/mydeposit-write.html for your reference
SYARAT DAN KELAYAKAN PERMOHONAN MyDeposit
KPKT akan melaksanakan penapisan pemilihan permohonan yang diterima berdasarkan kelayakan berikut :
Pemohon mestilah warganegara Malaysia berumur sekurang-kurangnya 21 tahun ketika permohonan dibuat dan tiada umur maksima ditetapkan.
Permohonan ini adalah bagi tujuan pembelian rumah pertama bagi satu isi rumah.
Pendapatan kasar RM10,000 dan ke bawah sebulan. Pendapatan kasar bulanan termasuk semua bentuk ganjaran hasil daripada pekerjaan atau perniagaan (upah, gaji, komisyen, bonus, elaun dan lain-lain) .
Pemohon mestilah mempunyai kelayakan untuk membuat pinjaman perumahan dengan mana-mana institusi pembiayaan. dan
Pemohon yang layak akan diberikan kelulusan bersyarat dengan tempoh 30 hari untuk menandatangani Perjanjian Jual Beli rumah yang hendak dibeli.
KRITERIA PEMBELIAN PROJEK PERUMAHAN YANG DIBENARKAN
Pembelian projek perumahan yang dibenarkan dibawah Skim MyDeposit ini adalah seperti berikut :
Projek perumahan baharu yang berlesen atau perumahan pasaran sekunder (subsale).
Harga pembelian adalah RM500,000 dan ke bawah; dan
Kelulusan pembelian bagi projek-projek perumahan swasta yang tidak mendapat subsidi insentif dana Kerajaan.
DOKUMEN SOKONGAN
Senarai dokumen sokongan yang perlu dimuat naik di Sistem MyDeposit :
Salinan kad pengenalan pemohon dan pasangan.
Salinan surat nikah/sijil nikah (Jika berkenaan).
Salinan kad OKU/surat pengesahan OKU (Jika berkenaan).
Salinan surat akuan sumpah bekerja sendiri.
Salinan surat pengesahan majikan.
Salinan penyata gaji terbaru.
Salinan penyata KWSP atau penyata cukai pendapatan
Salinan surat pencen( Jika berkenaan).
Muat naik salinan kad pengenalan/MyKid/sijil kelahiran.
Salinan surat tawaran /pengesahan daripada pemaju/penjual .
salinan Sistem Maklumat Rujukan Kredit Pusat(CCRIS) pemohon dan pasangan.
Wealth Hunter.
35. eFD @ 2016-4-7
More and more attractive FD deals are in the market nows!
We always heard that eFD is convenient to place but the return is less attractive as compared with over the counter ("OTC") FD.
But, is it the truth?
Lets pick an example from Maybank (pic)
So, what is the trick that the banks are playing?
Apparently they are restricting the fund from Maybank to be placed in Maybank's eFD agai which means they are demading fresh fund from the market. If you withdraw before maturity, you will be only entitled to half of the interest rates (which are the lower rates).
Also, you cannot have a compounding effect from this through reinvestment of interest.The interest payment is required to be CREDIT to ACCOUNT again. To summarise, there is no snowball impact for you from month to month.
For me, a 4.31% interest rate is pretty decent for those that does not invest in other financial products or those that are looking easiest way to protect their capital.
Is 4.31% attractive?
My answer is both Yes and No.
YES! -Without going to the counter and get a 4.31%, I think its modest. (Of course, can we project that the popularity of eFD becomes the potential reduction for headcount in the banks? - They no longer require such amount of employees to standby on counter)
NO! - Nonetheless, if you read the news, our CPI for February rose by 4.2%. It means, your 4.31% eFD here barely beats the inflation rate.
From now on, I urge you to wake up and realise that your return is not lucrative enough for your own savings or retirment planning!
You own your finance!
Wealth Hunter
We always heard that eFD is convenient to place but the return is less attractive as compared with over the counter ("OTC") FD.
But, is it the truth?
Lets pick an example from Maybank (pic)
So, what is the trick that the banks are playing?
Apparently they are restricting the fund from Maybank to be placed in Maybank's eFD agai which means they are demading fresh fund from the market. If you withdraw before maturity, you will be only entitled to half of the interest rates (which are the lower rates).
Also, you cannot have a compounding effect from this through reinvestment of interest.The interest payment is required to be CREDIT to ACCOUNT again. To summarise, there is no snowball impact for you from month to month.
For me, a 4.31% interest rate is pretty decent for those that does not invest in other financial products or those that are looking easiest way to protect their capital.
Is 4.31% attractive?
My answer is both Yes and No.
YES! -Without going to the counter and get a 4.31%, I think its modest. (Of course, can we project that the popularity of eFD becomes the potential reduction for headcount in the banks? - They no longer require such amount of employees to standby on counter)
NO! - Nonetheless, if you read the news, our CPI for February rose by 4.2%. It means, your 4.31% eFD here barely beats the inflation rate.
From now on, I urge you to wake up and realise that your return is not lucrative enough for your own savings or retirment planning!
You own your finance!
Wealth Hunter
34. Benefit of writing @ 2016-4-3
Benefits of writing
As what I have promised to myself on the improvement of my report wrting skills, I believe a day to day writing is one of the best way to advance on this.
Lately I like to comment in Investalks forum on my views of lots of thread and I do find some satisfactions there.
Although it is a virtual conversation, I still think that I do make an impact to the society.
Everyone has a different view and this is a fact that you must accept before starting anything.
We are required to be more open-minded and take ownership on your own growth and development. The exchange of thought process or knowledge is valuable, and its pricey to learn from the instructors outside.
I always heard of a custom that the Jews always reiterate, as a man, you must accomplish these few things in your life:
1. Write a book
2. Own a house
3. You have your next generation as your successor.
This hits me well on my thought process. Writing a book, is an interest, and undoubtly its another tool to "meditate" yourself and clean up your thoughts.
I presume you have read 10 books or 100 books a year, you would have only retained less than 10% of it in your brains, and those informations are unprocessed.
The information you gather is someone's thought and it does not immerse your own thinking into it. You will just take and forget about most of the thing inside.
You might not agree on what was written, but you did not show any objection as you did not reproduce the information.
For sometimes, a small recap or summary would be adequate for yourself to reorganise your thought process and reveal your inner heart vis-à-vis the articles/books that you have read.
And this is interestingly mind-blowing especially when you read it back after a long period of time.
You would then appreciate the little time that you have spent on recapitulating while others are playing games, watching movie, surting facebook and instagram.
My ultimate aim is to always achieve a desirable financial condition and give impact to the society.
Perhaps you might challenge that my own financial stability should come first, but why can't I do both simulatenously in my life?
And, this is something attainable by everyone.
We must take pride on what have we done and what are we going to do next.
If you do not know how to start, I urge you to find a mentor that can inspire you to be a well-rounded person.
From : Wealth Hunter
As what I have promised to myself on the improvement of my report wrting skills, I believe a day to day writing is one of the best way to advance on this.
Lately I like to comment in Investalks forum on my views of lots of thread and I do find some satisfactions there.
Although it is a virtual conversation, I still think that I do make an impact to the society.
Everyone has a different view and this is a fact that you must accept before starting anything.
We are required to be more open-minded and take ownership on your own growth and development. The exchange of thought process or knowledge is valuable, and its pricey to learn from the instructors outside.
I always heard of a custom that the Jews always reiterate, as a man, you must accomplish these few things in your life:
1. Write a book
2. Own a house
3. You have your next generation as your successor.
This hits me well on my thought process. Writing a book, is an interest, and undoubtly its another tool to "meditate" yourself and clean up your thoughts.
I presume you have read 10 books or 100 books a year, you would have only retained less than 10% of it in your brains, and those informations are unprocessed.
The information you gather is someone's thought and it does not immerse your own thinking into it. You will just take and forget about most of the thing inside.
You might not agree on what was written, but you did not show any objection as you did not reproduce the information.
For sometimes, a small recap or summary would be adequate for yourself to reorganise your thought process and reveal your inner heart vis-à-vis the articles/books that you have read.
And this is interestingly mind-blowing especially when you read it back after a long period of time.
You would then appreciate the little time that you have spent on recapitulating while others are playing games, watching movie, surting facebook and instagram.
My ultimate aim is to always achieve a desirable financial condition and give impact to the society.
Perhaps you might challenge that my own financial stability should come first, but why can't I do both simulatenously in my life?
And, this is something attainable by everyone.
We must take pride on what have we done and what are we going to do next.
If you do not know how to start, I urge you to find a mentor that can inspire you to be a well-rounded person.
From : Wealth Hunter
32. GKENT V2 2016-3-29
GKENT V2
Let's look at the latest quarterly report of GKENT on what had happened for 4Q.
Firstly, the most glamorous and eye-catching line would be the revenue.
And yes, it is a recorded high of RM267 million a quarter, which is undoubtly the best quarter ever.
The gross margin remains strong, which has about 20% effective GP margin.
Nevertheless, the net profit does not increase as expected despite the historical new high in company's revenue.
We will investigate further on why could this happen.
Dividend declared is so promising and it represents a 40% dividend payout ratio. Perhaps you might think that this is not a big deal for a listed company,
However, for a meter/construction company, having a net cash >50 cent per share, surge in business performance (apparently also its cash flow) with an increase of dividend payout, it is promising enough for myself.
Meter division recorded a new high revenue becaue of the contribution from its largest single order to-date, received from the Water Supplies Department, Hong Kong.
Well, engineering division is the division that creates the curiosity for all the investors. LRT 3 construction should be only starting after the second half of this year.
But why could this happen? Existing contract?
Perhaps it is relating to some recognition of revenue for LRT3 which we are not aware of, but this is definitely a flashy quarterly result that substantiate the profile of the Company.
To recap :
1 GKENT has successfully begged LRT3 project during last September, which can have a tentatively RM4.5million construction value. LRT 3 construction should be kicked start on the 2nd half of this year. Based on 10% profit margin, profit of RM450 million from LRT is close to its market cap today.
2 Net cash position.
3 Great and increasing dividend payout. If you buy it today, you will earn 3.8% - close to FD rate.
4 Rollovered PE of 6.82 - current price / EPS of newest quarter X 4
Potential risk
1 Cancellation of LRT3
2 Rise in raw material costs
3 Higher levy on foreign worker that has been implemented in
Feb 2016
Conclusion
I always believe in market inefficiency and this is well illustrated in GKENT. The share price does not reflect its order book which close to its market capitalisation today. (remarks: this has also not taken in account the meterring division or other engineering project)
There is definitely no credit risk for such construction project (government related) and the only thing GKENT should do is to manage its cost efficiency to maximise the shareholders' value.
This is most likely another imitation to GADANG, which you can calculate easily the value of the Company and operate our capital through TA analysis.
The journey of investing in GKENT can be fruitful, meaningful and valuable.
Wealth hunter does not recommend the buying and selling of the abovementioned stock and Wealth hunter might or might not have invested in GKENT.
Invest at your own risk.
Cheers!
Let's look at the latest quarterly report of GKENT on what had happened for 4Q.
Firstly, the most glamorous and eye-catching line would be the revenue.
And yes, it is a recorded high of RM267 million a quarter, which is undoubtly the best quarter ever.
The gross margin remains strong, which has about 20% effective GP margin.
Nevertheless, the net profit does not increase as expected despite the historical new high in company's revenue.
We will investigate further on why could this happen.
Dividend declared is so promising and it represents a 40% dividend payout ratio. Perhaps you might think that this is not a big deal for a listed company,
However, for a meter/construction company, having a net cash >50 cent per share, surge in business performance (apparently also its cash flow) with an increase of dividend payout, it is promising enough for myself.
Meter division recorded a new high revenue becaue of the contribution from its largest single order to-date, received from the Water Supplies Department, Hong Kong.
Well, engineering division is the division that creates the curiosity for all the investors. LRT 3 construction should be only starting after the second half of this year.
But why could this happen? Existing contract?
Perhaps it is relating to some recognition of revenue for LRT3 which we are not aware of, but this is definitely a flashy quarterly result that substantiate the profile of the Company.
To recap :
1 GKENT has successfully begged LRT3 project during last September, which can have a tentatively RM4.5million construction value. LRT 3 construction should be kicked start on the 2nd half of this year. Based on 10% profit margin, profit of RM450 million from LRT is close to its market cap today.
2 Net cash position.
3 Great and increasing dividend payout. If you buy it today, you will earn 3.8% - close to FD rate.
4 Rollovered PE of 6.82 - current price / EPS of newest quarter X 4
Potential risk
1 Cancellation of LRT3
2 Rise in raw material costs
3 Higher levy on foreign worker that has been implemented in
Feb 2016
Conclusion
I always believe in market inefficiency and this is well illustrated in GKENT. The share price does not reflect its order book which close to its market capitalisation today. (remarks: this has also not taken in account the meterring division or other engineering project)
There is definitely no credit risk for such construction project (government related) and the only thing GKENT should do is to manage its cost efficiency to maximise the shareholders' value.
This is most likely another imitation to GADANG, which you can calculate easily the value of the Company and operate our capital through TA analysis.
The journey of investing in GKENT can be fruitful, meaningful and valuable.
Wealth hunter does not recommend the buying and selling of the abovementioned stock and Wealth hunter might or might not have invested in GKENT.
Invest at your own risk.
Cheers!
33. 无题·@2016-3-28
CAP-WA 1%
ECONBHD 17%
GKENT 19%
HOMERITZ 10%
OKA 16%
CASH 36%
The data above depicts that percentage of investment while my return on investment for the first 3 months is merely 3.65% for my overall total capital.
If I were to annualise this, 14.60% is made for FY2016.
As I had some cash on hand, which constitutes 36% of my total portfolio, my return would have reached 17.48% if the computation is purely based on my investment amount.
My construction stocks had been riding up the ladders gradually.
AZRB was awarded a MRT 2 Project, which has caused its share prices to surge tremendously.
Is this relating to me? Some sorts.
Why? From the past experience, we can always see that ECONBHD obtaining some contracts from AZRB.
The latest in this FY2016 already have 2 contracts from the same company. Is ECONBHD a potentially beneficial from this?
OKA is also catching my eyes due to its dividend yield. A 5%++ of return, which also matches the construction theme, is absolutely a fair and wise play for current year.
OKA has been performing consistently with flashy dividend yield. This is a moat to the current volatile market and of course, this is a buy - more and more - stocks.
Invest wisely and happy investing.
Your investment path, you decide.
31. Econpile @ 2016-2-24
盖楼容易, 打樁難。
万丈高楼平地起, 打樁往往都背负着最重要的角色。
今天为大家带来打樁天王, Econpile Berhad.
刚刚宣布的业绩竟然是历史新高, 看似不错不错!
人说, 买股就必须买行业的龙头, 没错! 打樁龙头业者就是Econpile!
到底Econpile还有什么可取之处?
1。净现金
2。高ROE
3. 高赚幅
Econpile 在马股的岁月还很短暂, 还有很长的时间让它发光发亮。。。当然也希望派息越来越高, 丰衣足食!
随着越来越好的业绩, 股价仿佛追不上, market inefficiency再次降临?
拭目以待!
万丈高楼平地起, 打樁往往都背负着最重要的角色。
今天为大家带来打樁天王, Econpile Berhad.
刚刚宣布的业绩竟然是历史新高, 看似不错不错!
人说, 买股就必须买行业的龙头, 没错! 打樁龙头业者就是Econpile!
到底Econpile还有什么可取之处?
1。净现金
2。高ROE
3. 高赚幅
Econpile 在马股的岁月还很短暂, 还有很长的时间让它发光发亮。。。当然也希望派息越来越高, 丰衣足食!
随着越来越好的业绩, 股价仿佛追不上, market inefficiency再次降临?
拭目以待!
30. 无题@ 2016-1-7
今天，隔了一二个月，再套利10lots 的Gadang.
成本来到了RM0.48.
到底我还会套利吗？
我不知道。
其实，以我的成本价，是不应该担心我会在这股项亏损了，但为了不眼白白的看着纸上盈利消失，还是慢慢的兑现来减低我的心理压力。
说说Apollo吧，拿了一次每股25仙的股息，加上纸上盈利12%,是不错的一次交易。
美元与食品，两者兼得。不保留加码的可能性。
新年以前，我扫了一批的MITRA，来为2016年建筑股做部署，暂时还没有什么看头。
YSP是我观察了大概一个月半的股项，目的是为医药股主题的部署。
今天的下跌，将为我带来不错的入场时机。我入场后再来分享。
(Bollinger Squeeze不错)
这几天的中国暴跌，让我看了喜洋洋。
我2016的其中一个重要部署，就是一带一路主题部署。
当我观察本地投资在中国的基金时，望尘莫及。
这将是条很漫长的路。
暴跌，随时都会来临。
切记，止损，才是王道。
只要我们入场靠近安全边际，配合上止损，
投资，轻松矣。
成本来到了RM0.48.
到底我还会套利吗？
我不知道。
其实，以我的成本价，是不应该担心我会在这股项亏损了，但为了不眼白白的看着纸上盈利消失，还是慢慢的兑现来减低我的心理压力。
说说Apollo吧，拿了一次每股25仙的股息，加上纸上盈利12%,是不错的一次交易。
美元与食品，两者兼得。不保留加码的可能性。
新年以前，我扫了一批的MITRA，来为2016年建筑股做部署，暂时还没有什么看头。
YSP是我观察了大概一个月半的股项，目的是为医药股主题的部署。
今天的下跌，将为我带来不错的入场时机。我入场后再来分享。
(Bollinger Squeeze不错)
这几天的中国暴跌，让我看了喜洋洋。
我2016的其中一个重要部署，就是一带一路主题部署。
当我观察本地投资在中国的基金时，望尘莫及。
这将是条很漫长的路。
暴跌，随时都会来临。
切记，止损，才是王道。
只要我们入场靠近安全边际，配合上止损，
投资，轻松矣。
29. APOLLO @ 2015-12-30
APOLLO V4
APOLLO业绩，终于出了！
12.05的EPS，不错不错。
营业额比上一季增加了7%
看看外汇赚幅，RM3.62mil,
哇，外汇赚幅超过了营业额的7% （上一季只是营业额的5%）。
财富列者可以大概的推敲一个合理的解释：
８月的汇率从USD/MYR 3.8310 到10月尾的USD/MYR 4.3003，升值了差不多12%. Apollo有一半的海外营业额，从５%到７%算合理吧。
净现金也慢慢的累计，每股RM1.46, 差不多是股价的四分之一。
但是我们可以看到，如果把外汇赚幅移除，APOLLO的赚幅与盈利是比上一季少得多的，该是营运效率的问题吧。而我们身为一个散户投资者，我们不会有能力去探讨这笔账是如何算来的。
到底APOLLO 估值如何？
EPS = (12.05+13.98)/2*4=52.06
今天的收市价是RM5.71,潜在PE是10.96. (其他上市业者OFI PE 18.64, LONBISC PE 10.79, HUPSENG PE 20)
财富猎者相信APOLLO将会追随其他业者的市盈率，继续为股东创造价值。
Today marks the day of Apollo releasing its precious second quarter’s result.
The result is absolutely awesome by achieving EPS of 12.05. The achievement is mainly contributed by the strengthening of USD/MYR, where about half of Apollo’s operation is export-oriented. The transactions abroad are dominated in USD. FYI, USD has strengthened against MYR about 12% throughout the reporting period (August 2015 to October 2015).
To take note, by excluding the Forex Gain for the newly released quarterly results, the net performance is not that decent but we have no way to get the answer on this as a retail investor. We believe cost efficiency and automation are always management’s effort and main priority, other than focusing to sell more locally or globally.
Another grateful thing to highlight is the accumulation of net cash in the Company, which stands at RM1.45 now.
We foresee that APOLLO will most likely follow other peers in terms of PE, and thus for all the shareholders, CHEERS!
财富猎者/ Wealth Hunter
APOLLO V3
想必有跟踪或买进的朋友已经拿了25分的利息，然后，股价又来到的5.40.
现在应该拥有了8-10%的成本优势。还有5%的DY值。
我们还是继续跟踪这只优质股。基本上现在在等业绩报告。
技术形式上，调整了3天，卖压不明显，有望为业绩前的偷步拉升。
APOLLO业绩，终于出了！
12.05的EPS，不错不错。
营业额比上一季增加了7%
看看外汇赚幅，RM3.62mil,
哇，外汇赚幅超过了营业额的7% （上一季只是营业额的5%）。
财富列者可以大概的推敲一个合理的解释：
８月的汇率从USD/MYR 3.8310 到10月尾的USD/MYR 4.3003，升值了差不多12%. Apollo有一半的海外营业额，从５%到７%算合理吧。
净现金也慢慢的累计，每股RM1.46, 差不多是股价的四分之一。
但是我们可以看到，如果把外汇赚幅移除，APOLLO的赚幅与盈利是比上一季少得多的，该是营运效率的问题吧。而我们身为一个散户投资者，我们不会有能力去探讨这笔账是如何算来的。
到底APOLLO 估值如何？
EPS = (12.05+13.98)/2*4=52.06
今天的收市价是RM5.71,潜在PE是10.96. (其他上市业者OFI PE 18.64, LONBISC PE 10.79, HUPSENG PE 20)
财富猎者相信APOLLO将会追随其他业者的市盈率，继续为股东创造价值。
Today marks the day of Apollo releasing its precious second quarter’s result.
The result is absolutely awesome by achieving EPS of 12.05. The achievement is mainly contributed by the strengthening of USD/MYR, where about half of Apollo’s operation is export-oriented. The transactions abroad are dominated in USD. FYI, USD has strengthened against MYR about 12% throughout the reporting period (August 2015 to October 2015).
To take note, by excluding the Forex Gain for the newly released quarterly results, the net performance is not that decent but we have no way to get the answer on this as a retail investor. We believe cost efficiency and automation are always management’s effort and main priority, other than focusing to sell more locally or globally.
Another grateful thing to highlight is the accumulation of net cash in the Company, which stands at RM1.45 now.
We foresee that APOLLO will most likely follow other peers in terms of PE, and thus for all the shareholders, CHEERS!
财富猎者/ Wealth Hunter
APOLLO V3
想必有跟踪或买进的朋友已经拿了25分的利息，然后，股价又来到的5.40.
现在应该拥有了8-10%的成本优势。还有5%的DY值。
我们还是继续跟踪这只优质股。基本上现在在等业绩报告。
技术形式上，调整了3天，卖压不明显，有望为业绩前的偷步拉升。
28. POS @ 2015-12-29
POS v2
POS现在有了一些小反弹，但长期还是下跌趋势。
到底POS是个怎么样的行业？
小编刚刚使用了POS的服务，感觉真的很不错。
小编其实已经去了POS一趟，人潮真的不是开玩笑。
看得出线上付费还没有很普遍化，很多人还是拿着水电费单排队付钱。
POS在这些柜台会赚取一些手续费。
小编使用的是驾照更新服务，效率出奇的快。
我拿了编号然后等了一个二十分钟，就轮到我了。
当交了一年各RM30的驾照费与身份证后，没想到少过两分钟，我就收到新的驾照了。
看来DRBHICOM真的是把POS整顿得不错。而新的驾照也拥有像身份证一样的素质与完整了。
还记得以前的POS更新驾照，我们需要保留原有的旧驾照（有头像），被警察检查时我们需要显示新旧驾照。
小编很好奇POS在这交易里赚取了多少的手续费？
看一看，竟然是RM2。
少过一两分种，赚取RM2，不过不失，算是国民服务的一种吧。
如果使用的是半小时，这样小编真的想要吐血了。
当然，这笔钱对于POS是微不足道，但我们可以看到营运的效率提升。
希望POS的递送服务有如此效率或POS的KPI (Revenue per employee)改善，那盈利回升，指日可待!
POS formed an insignificant rebound lately and it is still having bearish pattern.
What are the things that we can post our attention over our ex-national courier servicer, POS?
Wealth Hunter had just used POS services to renew my driving license.
The efficiency of the process is breaking my expectation decently. A process of renewing
driving licenses merely cost me less than 2 min to obtain a full renewed one.
And also, the commission fee charged by POS is just RM2.
From a shareholder’s perspective, this should be treated as a national service, and I would like
to give credit to Drbhicom/ POS management on this.
Apparently this amount of commission fees earned is relatively insignificant to
POS operation, but by seeing the improvement in efficiency of POS will give us
some views on the effort exerted by POS management.
Keep it up , POS!
POS现在有了一些小反弹，但长期还是下跌趋势。
到底POS是个怎么样的行业？
小编刚刚使用了POS的服务，感觉真的很不错。
小编其实已经去了POS一趟，人潮真的不是开玩笑。
看得出线上付费还没有很普遍化，很多人还是拿着水电费单排队付钱。
POS在这些柜台会赚取一些手续费。
小编使用的是驾照更新服务，效率出奇的快。
我拿了编号然后等了一个二十分钟，就轮到我了。
当交了一年各RM30的驾照费与身份证后，没想到少过两分钟，我就收到新的驾照了。
看来DRBHICOM真的是把POS整顿得不错。而新的驾照也拥有像身份证一样的素质与完整了。
还记得以前的POS更新驾照，我们需要保留原有的旧驾照（有头像），被警察检查时我们需要显示新旧驾照。
小编很好奇POS在这交易里赚取了多少的手续费？
看一看，竟然是RM2。
少过一两分种，赚取RM2，不过不失，算是国民服务的一种吧。
如果使用的是半小时，这样小编真的想要吐血了。
当然，这笔钱对于POS是微不足道，但我们可以看到营运的效率提升。
希望POS的递送服务有如此效率或POS的KPI (Revenue per employee)改善，那盈利回升，指日可待!
POS formed an insignificant rebound lately and it is still having bearish pattern.
What are the things that we can post our attention over our ex-national courier servicer, POS?
Wealth Hunter had just used POS services to renew my driving license.
The efficiency of the process is breaking my expectation decently. A process of renewing
driving licenses merely cost me less than 2 min to obtain a full renewed one.
And also, the commission fee charged by POS is just RM2.
From a shareholder’s perspective, this should be treated as a national service, and I would like
to give credit to Drbhicom/ POS management on this.
Apparently this amount of commission fees earned is relatively insignificant to
POS operation, but by seeing the improvement in efficiency of POS will give us
some views on the effort exerted by POS management.
Keep it up , POS!
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