明 天 开 学 了 。 。 。 。

哈 哈 哈 。 明 天 就 要 从 新 开 学 了 。 你 一 定 在 想 礼 拜 天 ， 什 么 学 校 会 开 学 呢 ？猜 猜 。


对 ， 就 是 LOSO老 师 从 新变 成 LOSO学 生 了 。 哈 哈 哈 。 在 考 虑 了 很 多 过 后 ， 觉 得 还 是 边 教 书 边 进 修 最 好 。 因 为 希 望 日 后 会 有 更 好 的 出 路 ， 这 次 我 不 再 选 教 育 系 了 而 选 了 商 业 管 理 。


想 当 初 ， 我 的 梦 想 一 直 是 当 个 有 钱 人 。 糊 里 糊 涂 当 了 老 师 后 ， 本 想 伟 大 一 点 帮 多 一 些 小 孩 成 功 。 教 了 才 发 现 不 是 人 人 都 爱 念 书 的 。一 班 里 要 是 有 几 位 要 念 书 的 就 谢 天 谢 地。 有 时 看 不 过 眼 ， 劝 了学 生 几 句 ， 得 到 的 回 应 既 然 是 “Ada ku kisah?" (意 思 是'我 才 不 理 ' 或 英 文 'like I care'). 既 然 他 们 本 身 都 不 理自 己 的 前 途 ， 我 又 能 耐 何 ？ 我 不 是 圣 人 ， 我 也 会 累 的 时 候 。 不 要 拼 却 要 拿 到 好 成 绩 是 不 可 能 的 。


还 好 我 还 年 轻 ， 讲 真 的 ， 我 不 甘 心就 把 我 美 好 的 时 光 这 样给 白 白 过 掉 。 每 月 就 等 着 工 钱 ， 开 学 等 放 假 ， 放 假 等开 学 ， 很 快 就 要过 两 年 了 。 不 知 道 是 不 是 现 在 的 小 孩 子 太 安 乐 ， 一 点 上 进 心 也 没 ， 拿 了 全 E也 还 笑 得 出 来 。


有 位 老 同 事 劝 我 说 这 样 的 学 校 就 是 这 样 的 成 绩 ， 习 惯 就 好 。 听 起 来 是 没 错 但 是我 真 的 感 觉 好 像 不 大 对劲 。 为 何 砂 拉 越 进 入 了 大 马 快 48年 ， 还 那 么 多 文 盲 ？ 每 年 成 绩 包 尾 的 一 定 是 东 马的 这 对 难 兄 难 弟 。家 长这 边 也 是 不 冷 不 热 ， 爱 理 不 理 。


讲 了 那 么 多 ， 那 些 以 为 老 师 很 好 做 的 ， 你 可 要 想 好 好 。 现 在 的 学 生和 家 长 可 不 是 像 你 们 想 像 的 那 么 完 美 。


我 觉 得 我 讲 出 很 多 老 师同 行 的 心 声， 可 是 往 往 很 少 会 做 出 什 么来 。我 不 认 命 所 以 我 要再 出 发 ， 要 改 变 就 要 行 动 。希 望 这 次 改 变 是 正 确 的 。 讲 了 那 么 多 来 听 首 歌 -“再 出 发 ”。

余畑龙客家创作 - She Is My Fo Si (她是我的货私!).wmv

哈 哈 哈 。 我 是 客 家 人 ！

大 家 来 看 看 这 位 客 家 老 兄 唱 唱 客 家 歌 。 满 好 笑 的 。

让 人 期 待 又 让 人 怕 怕 。 。 。 。

期 待 中 的 八 月 终 于 像 预 料 的 来 了 ， 起 起 落 落 的 超 快 。 只 恨 自 己 当 初 没 cash out我 的 股 ， 看 到 红 红 反 而 不 敢 进 场 。存 到 的 钱 又 要 还 学 费 。 哈 哈 哈 。 看 来 只 能 选 其 中 一 个 来 average down.

我 哥 跟 我 分 享 一 遍 我 觉 得 可 以很 好 解 释 真 真 的 美 国 危 机 。 大 家 看 看 就 好 ， 千 万 别 subscribe因 为 是 scam来 的 。

事 在 人 为 ， 做 事 要 有 恒 心 。

最 近 感 到 自 己 做 事 真 的 好 像 快 熟 面 ， 只 有 三 分钟 热 度 。


好 久 没 耐 心 好 好 写 一 篇 文 章 放上 来 了 ， 可 能 是 因 为 感 到 闷 吧 ！ 写 了 一 年 多 ， 看 nuffnang里 只 有 RM4块 多 ， 还 好 没 靠 它 吃 饭 。 买 的 股 票 又 把 之 前 的 营 利 全 吞 了 回 去 。 哈 哈 ， 广 东 话 有 句 -吃 得 咸 鱼 ， 抵 得 渴 。 看 来 现 在 就 放 在 一 边吧 ， 反 正 我 也 没 用 到 它 。 开 始 收 集 资 金 ， 因 为 我 觉 得 八 月 有 戏 看 了 ， 美 国 股 灾 是 迟 早要 面 对 的 事 情 。


九 月 要 念 书 了 ， 也 不 知 道 是 不 是 有 用 。 觉 得 好 好 用 年 轻 的 时 候 多 念 个 硕 士 总 好 过 拜 六 礼 拜 游 手 好 闲 给 过 了 。 也 希 望 大 学 里 找 到 我 的 目 标 ， 让 我 生 命 有 些 热 度 。 哈 哈 哈 。

Service My Proton Saga for 20000Km

Wah, really pokai lia. Service my Saga is always something that make my wallet thin very fast. The last time I service for 15000km cost me around Rm200. After that service, my car broke down and nearly cannot claim warranty that cost around Rm600 to fix. Luckily in the end, the service manager manage to help me claim warranty.

That's the only reason that still make me to go service my Saga at Proton service center. I really scare whether it will broke down again and its not cheap to fix it especially I haven't change the IAFM that many people complain about.

Before I service, I call to ask about the price and it is estimated to be around Rm500+ and I asked my colleague who also own one auto Saga Se but she mentioned only around Rm300+. In the end, I really pay nearly RM500 for the service. The list of the service is as below:

procare smart rm100.oo
Oil filter rm12.22
Gasket, drain plug rm3.32
auto transmission oil rm30.91
spark plug rm38
air filter iafm rm16.71
radiator coolant 1ltr rm28.34
brake fluid dot 4 rm10.92
syntium 800 rm104
magnetrap rm68
manual transmissionHQ multi 75w-85 x 3 rm111.66
Total rm495.95

Well, I just hope the money spend can help my car maintain fine and let me drive smoothly.

好 文 共 欣 赏 。 。 。 。

最 近 懒 惰 了 ， 好 久 都 没 写 BLOG。 看 了 一 篇 很 有 意 思 的 文 章 ， 希 望 全 部 跟 我 一 样 的 打 工 仔 要 好 好 念 一 下 。

用“薪”投资，从“薪”出发！
在帮老板赚钱的当儿，应该想想是否也能让有限的收入，创造无穷的希望？除非中六合彩头奖、继承大笔家业或创业成功，否则一般上班族光告固定的薪水致富是不可能的，顶多衣食无缺，投资理财才是致富的捷径。

仅管薪水增幅有限，但积极的它态度还是可以提升财富水准：收入是河流，财富是水库，花出去的钱就是流出去的水，只有留在水库里的才是你的财。要想攒好钱，就要一生养成量入为出的习惯，积极的管理个人现金流量，妥善的投资，然后随着经验的累积及资金的增加，慢慢的让投资收入大于薪资所得。所以，先将工作做好，有了固定收入，才有源源不绝的资金活水以供投资。同时要记得，投资是工作的一部分；而不是全部的工作。

投资其实并不神秘，如果您已经开始进行银行储蓄，您实际就已经开始进行了投资。但是银行储蓄未必是最好的投资方式，把钱存在银行当然是稳当，但是就好像把钱冷冻起来一样，靠利息是不能的，因为其收益相对较低，有时甚至不能弥补通货膨胀给您带来实际购买力的损失。船停泊在港口内固然是最安全，但这不是造船的目的，船必须扬帆出海经历风浪，然后安然无恙返回海港。资金亦一样，放在银行虽然安全，但并不是长远之计，因此我们必须留意各种资讯，并建立个人投资策略，一如船必须出海而而不是永远停留在港口道理一样。

除了银行储蓄之外，您实际上还有许多其他可以利用的投资管道。目前投资市场的商品琳琅满目，想要投资根本不愁找不到商品。国债、企业债等债券；保险；股票；基金；外汇；贵金属；邮票、钱币、艺术品、古董等收藏品；房地产；实业投资等。

我应该选择哪些投资管道？ 一句话──简单就是美！

要为自己选择最合适的投资管道，您首先需要了解不同投资工具的风险和收益特征。就拿股票投资来举例：

股票投资是最有可能超过通货膨胀率的工具，但股价的波动性很大，市场风险很高。仅将资金用于银行存款和买国债的缺点在于收益率较低，甚至有可能不能弥补通货膨胀给资产带来的实际购买力损失，同时也使您错过了投资于股票，获取较高收益、分享经济成长带来好处的机会。

但是对于那些不熟悉股票等证券投资的人来说，要么是担心损失而不敢投资，要么是贸然投资而损失惨重，因为在对市场没有深入了解的情况下，把握投资时机是很困难的。通过证券投资基金间接投资于股票等证券，是获取证券市场收益的一种简便方式。
什么是证券投资基金？
证券投资基金（以下简称基金）源于英国，兴盛于美国，近30年来获得了迅速的发展。基金是通过发售基金份额，将众多投资者的资金集中起来，形成独立资产，由基金托管人托管，基金管理人管理，以投资组合的方法进行证券投资的一种利益共享、风险共担的集合投资方式。目前，国内的证券投资基金都是采用的契约型的组织形式。契约型基金：又称单位信托基金，是指由委托人、受托人、受益人三方订立基金契约，由基金经理管理公司根据契约运用基金财产，由受托人（一般是银行）负责保管信托财产，而投资成果则由投资者享有的一种基金。

诺贝尔经济学奖得主威廉．夏普认为，基金是最能分散风险并降低成本的投资工具。对于不具备专业投资知识和充足时间的普通投资者，在众多投资品种中，基金是最适宜的。
投资理财是否能致富，与金钱的多寡关联性不大，与投资时间长短的关联性却相当大，因为“时间”是财富升天的核动力推进器，时间越长，复利效果越大。如果有长期的理财目标，选取长期持有优质基金无疑是最好的策略。 不过千万要记住，赚到的钱不要随手又花掉了，最好能利用「钱滚钱」的方式继续替您创造财富。如果不贪心的话，每年只要有平均10％的回酬率，大约每七年就可以让资产翻一倍。

今天开始用“薪”投资，认真打理您的财富吧，如果您选对了投资的路，并一直坚持着，若干年后您会比别人笑得更灿烂，因为聪明的您早有准备。

以 上 肫 述 分 享 ， 希 望 文 章 主 人 不 介 意 。 。 。 。

最 近 的 我 。 。 。 。 。

哇 ！ 我 觉 得 我 不 能 不 承 认 我 是 不 折 不 扣的 宅 男 了 。

其 实 我 也 不 是 不 想 出 门 啦 ！ 只 不 过 头 疼 叫 谁 出 来 ， 去 那 里 玩 。 来 来 去 去 就 是 看 戏 ， 走 街 真 有 点 闷 。 所 以 就 在 家 上 网看 看 聊 聊 。

最 近 念 了 蛮 多 前 辈 的 故 事 ， 有 的真 的 很 有 意 思 ， 觉 得 一 定 要 跟 大 家 分 享 。

以 下 的 故 事 改 编 自 http://cn983.com/invest/klse8k/349.html

人 的 需 要 不 多， 想 要 的 却 太 多。

一 双 NIKE 鞋 599 零 吉 和 一 双 普 通 运 动 鞋 59 零 吉， 你 说 那 一 个 是 “需 要” 那 一 个 是 “想 要”？

有 个 女 生 刚 打 完 假 期 工 回 来， 我 问 她 这 个 问 题。 她 反 问 我： 一 个 妇 人 一 天 来 买 一 公 斤 的 白 米， 你 说 她 是 需 要 还 是 想 要？ 原 来 她 工 作 期 间 每 天 都 遇 到 一 位 相 同 的 顾 客 来 买 白 米。 她 忍 不 住 问 那 妇 人 为 什 么 不 一 次 买 五 公 斤 比 较 便 宜， 那 妇 人 反 问 她： 你 说 这 是 我 想 要 的 吗？

原 来 对 于 这 位 穷 妇 人， 能 买 五 公 斤 白 米 已 经 是“ 想 要” 了， 她 无 能 力 只 好 退 而 求 次， 只 买“ 需 要” 的 一 公 斤。 这 是 一 个 真 实 的 故 事。

当 初 听 到 我 那 位 名 人 朋 友 讲 的 这 句： “人 的 需 要 不 多，想 要 的 却 太 多。” 害 我 深 思 了几 晚。 想 要 理 财 致 富， 一 定 要 把 这 句 话 扪 记 在 心。

物 质 上 的 东 西 容 易 分 辨 那 个 是 需 要 那 个 是 想 要， 但 是 有 的 东 西 却 难 以 分 辨， 比 如 抽 烟 和 喝 酒。 我 有 一 个 很 会 抽 烟 的 朋 友 告 诉 我， 香 烟 是 “需 要”不 是 “想 要”， 如 果 不 信 可 以 去 问 那 些 有 抽 烟 的 朋 友。 后 来 有 个 成 功 戒 了 烟 的 朋 友 告 诉 我，还 未 上 瘾 之 前 它 不 是 需 要 也 不 是 想 要，等 上 了 瘾 就 变成 了 需 要，有 烟 瘾 的 人 宁 可 少 吃 也 不 可 少 吸 就 是 这 个 道理。 我 突 然 关 心 起 抽 烟 是 因 为 我 发 现 到 有 抽 烟 的 人 每 个 月 花 200 零 吉 买 烟 是 等 闲 事， 小 数 怕 长 计， 如 果 反 过 来 我 们 把 这 200 零 吉 用 来 投 资 股 票， 而 股 票 每 年 可 赚 取 12% 的 回 酬， 我 们 只 需 35 年 就 可 成 为 百 万 富 翁 。 所 以 我 要 奉 劝 那 些 还 没 有 抽 烟 或 者 刚 开 始 抽 烟 的 朋 友 们 尽 量 远 离 香 烟 吧 ， 如 果 你 想 快 点 致 富。

从 上 面 的 故 事更 加 启 发 了 我 理 财 的 决 心 。 在 大 多 数 朋 友 都去 旅 行 玩 乐 的 时 候 ， 我 就好 好 待 在 家 把 这 些 钱 省 下 来 投 资 因 为 我 知 道 这 些 都 是 想 要 罢 了 。 有 没 去 玩 ， 假 期 也 过 得 很 爽 。

放 假 真 好

啊 ！ 每 天 懒 洋 洋 地 ， 虽 然 有 点 罪 过 但 超 爽 的 ！ 真 有 点 感 觉 像 everyday is Sunday.

最 近 LOSO老 师 我 都 在 看 股 市 ， 观 察 变 化 ， 给 我 发 现 到 比 较 有 经 验 的 散 户 都 开 始 撤 离 股 市 了 。 看 来 我 也 应 该 丢 票 了 ， 啊 ， 都 怪 我 贪 便 宜 ， 买 了 不 会 起 的 股 。

为 何 我 会 说 危 机 要 到 了 ？ 这 跟 美 国 股 市 和 债 卷 有 很 大 的 关 系 。 看 美 国 和 外 围 的 股 市 每 天 都 在 跌 ， 你 觉 得 大 马 真 的 那 么 强 吗 ？ 不 但 没 跌 ， 反 而 还 起 。 我 个 人 认 为 这 都 是 有 心 人 把 马 股 美 化 的 。 要 是 你 想 找 全 世 界 的 股 市 行 情 可 以 去 这 边 看 ：
http://www.stockq.org/
(请 点 击 来 看 清 楚 )

最 近 长 看 到 “五 穷 ， 六 绝 ”， 看 来 也 不 是 没 道 理 。 六 月 的 我 只 期 待 新 的 一 轮 ETP新 PROJECT， 希 望 我 买 的 公 私 标 到 新 工 程 。祝 大 家 投 资 愉 快 。

危 机 =机 会 ？

委四银行发售全球回教债券 纳吉政府为53亿外债再融资 May 25, 2011
据媒体消息指出，马来西亚政府已经挑选四家国内外银行集团，负责统筹与包销以美元计算的全球回教 债券发售计划（US dollar global Islamic bond），以便为即将在今年七月届满的17亿5000万美元（或马币53亿2000万元）的10年政府债券进行再融资。

《路透社》今天报导，马来西亚政府已经委任四家国内外银行集团，负责统筹与包销以美元计算的全球回教债券发售计划。据悉，已确定的银行集团包括联昌国际投资银行（CIMB）、花旗集团（Citigroup）以及汇丰银行（HSBC ）。

不过，这三家银行在截稿前并没有作出回应。至于第四家获委银行可能是马银行（Maybank）。

该报道指出，这项全球回教债券发售计划预期在六月或七月完成。债券发售所筹集的资金，将用来为传统政府债券进行再融资。马来西亚在今年七月将会有一批17亿5000万美元（或马币53亿2000万元）的10年政府债券届满，需要进行再融资。

马来西亚上一次发售全球债券是在2010年5月，当时政府发售总额12亿5000万美元的五年回教债券。

政府挥霍与缺乏纪律种下祸根
根据《2011年联邦财政预算》的资料，这批17亿5000万美元的全球债券将在2011年7月15日届满。此外，联邦政府也针对各项发展计划向外举债，估计即将届满的发展计划贷款或债券总额为1亿7600万元。

根据《独立新闻在线》之前的统计，马来西亚政府在2010至2012年之间，还必须面对一波国内债务偿还高峰期，估计总值高达1016亿5000万元的未偿还政府证券与回教债券，将在这段期间届满或赎回，相当于占联邦政府的国内总债务近30%的比重。

这主要是因为联邦政府过去挥霍无度与严重缺乏财政纪律，所带来的恶果。值得注意的是， 这些在2010年至2012年之间届满的政府债券，是联邦政府从2001年至2009年之间发售的债券，而且涉及数额庞大，十项即将到期的政府债券中，其 中五项债券合计748亿元，占总额的80%比重。

这反映出，在1997年亚洲金融危机后，联邦政府在过去十年非但没有积极管理财政，削减财政赤字与降低政府债务，反而因挥霍无度和严重缺乏财政纪律，导致政府在这三年必须面对偿债高峰期。

联邦政府债务从1997年的马币900亿元（占GDP的32%比重）飙升至2008年的3064亿元（占GDP的41.5%），并在2009年进一步提高至3486亿元。

我 的 第 六 感 ！

近 期 的 股 票 看 来 看 去 越 来 越 不 对 路 。 虽 然 BURSA看 来 要 回 到 1450水 平 ， 可 是 每 天 大 多 数 的 股 价 都 在 下 跌 。现 在 学 校 假 期 了 ， 我 有 更 多 时 间 和 大 家 分 享 我 的 看 法 。 念 了 CARI 和 INVEST TALK的 帖 子 ， 我 开 始 问 自 己 ， 现 在 应 该 卖 吗 ？

试 问 自 己 ， 你 买 的 股 票 能 经 得 起 调 整 吗 ？ 我 的 第 六 感 告 诉 我 调 整 应 该 不 远 了 。 看 看 欧 盟 的 债 务 就 知 道 它 对 股 市 影 响 是 多 么 厉 害 。 要 是 这 发 生 在 大 马 ， 政 府 能 处 理 吗 ？ MALAYSIA BOLEH？

天 天 翻 看 新 闻 都 讲 政 府 要 省 钱 ，最 近 的 要 减 津 贴 了 - 电 费 ， 油 价 ， 糖 都 要 起 价 。 虽 然 说 是 经 济 改 行 ， 作 么 就 看 到 政 府 在 另 一 边 不 断 的 花 钱 ？ 债 务 不 断 上 升 但 只 会减 津 贴 绝 对 不 是 解 决 方 法 。 突 然 很 多 这 样 那 样 减 让 我 有 个 问 号 -政 府 那 么 有 决 心改 变 ？ 看 了 JPA奖 学 金 就 知 道 啦 ！

看 了 这 篇 http://www.merdekareview.com/news/n/18346.html 新 闻 ， 你 应 该 会好 好 问 自 己- 现 在 要 握 住 现 金 吗 ？

LOSO老 师 来 吹 水 。 。 。

最 近买 的 股 票 一 直 没 起 ， 讲 到 就 SIEN， 所 以 老 师 我 来 吹 水 一 下 我 的 光 辉 岁 月 。

话 说想 当 年 Loso,我 可 是 五 十 万 青 年 中 的 三 千 。猜 猜 是 什 么三 千 ？

老 实 讲 ， 我 的 到 现 在 也 没 什 么 了 不 起 的 。 只 不 过 当 年 我 可 算 是 大 马 SPM文 凭 的 状 元 。 在 五 十 万 青 年 中 ， 只 有 三 千 的 全 A生 。 很 多 亲 朋 好 友 想 都 没 想 到 我 会 跑 去 教 书 。 其 实 这， 我 也 没 想 到 。

有 天 心 血 来 潮 想在 学 生 面 前 炫 耀 一 下 ， 想 让 他 们 知 道 没 什 么是 不 可 能 的 。 当 天 我 很 兴 奋 的 把 我 成 绩 给 所 有 学 生 看 一 看 。 哪 里 知 道 既 然 有 学 生 说 ， 老 师 ，你 成 绩 那 么 好 也 不 过 是 老 师 。 哈 ， 给 他 那 么 一 讲 ， 我 的 脸 真 的 是 胀 得 像 猪 头 lo， 真 的 想 找 洞 来 卷 进 去 。 想 一 想 ， 他 讲 得 也 没 错 ， 老 师 我 成 绩这 么 好最 后 也 不 过 是 老 师 。

想 回 来 ， 要 是 有 第 二 次的 选 择， 我 是 否 会 做 同 样 的 选 择 。 以 前 和 现 在 ， 我 都 只 想做 有 钱 人 。

一 年 一 度 的 教 师 节

五 月 十 六 又 到 了 ， 这 是 我 的 第 二 次 庆 祝 。 。 。

教 了 差 不 多 两 年 书 ， 我 只 想 说 我 有 点 累 了 。 教 书 并 没 有 我 想 像 般 理 想 。 原 先 以 为 教 书 就 是 分 享知 识 ， 经 验 的 我， 现 在 觉 得教 育 简 直 不 再 那 么 单 纯 了 。

天 天 看 到 报 纸 报 导 一 些 学 校 问 题 ， 我 只 能 说 我 麻 木 了 。 那 些 只 不 过 冰 山 一 角 ， 真 正 严 重 的 往 往 因 为 一 些 怕 事 的 领 导 而 没 被 揭 发 出 来 。 不 见 棺 材 不 流 泪 是 这 些 人 的 想 法 ， 不 到 逼 不 得 已 的 地 步 都 不 会 乖 乖 出 来 承 认 错 误 。

在 我 执 教 的 两 年 中 ， 我在 学 校 里 看 到 了 大 麻 ， 摇 头 丸 ， 聚 赌 ， 打 架， 贪 污 等 等 。 最 深 刻 的 一 次 是 学 生 家 人 进 来 打 架 ， 那 次 我 第 一 次 觉 得 我 的 生 命 受 到 威 胁 。 那 些 失 去 理 智 的家 长 这 时 候 是 非 常 可 怕的 。 他 们 就 在 我 面 前 不 断 的 打 着 一 位 学 生 直 到 他 倒 地 ， 完 全 没 反 抗 的 能 力 。 幸 好 这 时 候 有 别 的 同 事 即 时 出 现 一 起 阻 止 了这 场 悲 剧 ， 看 到 大 人 都 这 般 ， 小 孩 会 好 到 那 里 去 ？

还 好 我 现 在 还 年 轻 ， 还 能 承 受 这 些 ， 可 是 我 觉 得 教 书 不 再会 是 我 一 辈 子 的 工 作 了 。 毕 竟在 三 四 十 岁的 时候 ， 再 给 学 生 气 一 气 ，LOSO 老 师 我 不 早 升 天 才 怪 呢 ！

2011 教 师 节 ， 我 祝 福 所 有 老 师 同 行 身 体 健 康 ， 但 愿 我 们 的 学 生 乖 乖 ， 不 气 我 们 就 好 。 哈 哈 哈 。

YTL

Last month added in new stock into my portfolio, YTL. The reason why I picked this stock is because YTL is split into five and the price is considered cheap compare to other blue chip. Also because of this interesting posted by Cold eye from the website:
http://www.oomoney.com/klse_8k_series/klse8k-stock_investment/9_years_ytl/

1991年12月，1张YTL的价钱只是2.30令吉，如果当时我们有幸用80500令吉买下35张，收存到2000年12月，那35张的YTL单单靠发红股已经变成了204张。(35,000股 X 2.30令吉 = 80,500令吉)

2000年12月31日，YTL的价钱是4.94令吉，那204张的价值已经是108万令吉了，这还不包括9年来我们所获得的股息。(204,000股 X 4.94令吉 ＝ 1,007,760令吉)

YTL(杨忠礼)的红股记录：
1992年红股5送1
1994年红股5送1
1995年红股2送1
1996年红股2送1
1997年红股2送1
1999年红股5送1

1991年12月，YTL的总成交量只有3721粒，不是一个很热门的股票。大多数的投资者都喜欢热门股，所以当初会买进YTL的人是少之又少。

那么买进热门股收藏到今天会不会比较好呢？让我翻开记录看一看：

这资料是从1992年1月份的INVESTOR DIGEST里取得。

INVESTOR DIGEST是KLSE出版的，所以可靠性很强。

当时的15大热门股是：

31/12/91
Name Price Volume
CASH 1.15 31397
S DARBY 3.86 30212
G HOPE 2.45 24392
MAYBANK 7.10 22184
TANJONG 6.95 19324
MMC 2.59 17879
D BHD 1.16 17017
GUTHRIE 2.55 16085
SRI HART 0.46 15351
MAS 7.00 14141
PROMET 0.84 13956
B GROUP 1.38 13256
S UEP 3.46 13203
RENONG 1.16 12257
IDRIS 0.74 12159

(所列成交量是整个12月份，不是一天)

如果当时的80500令吉不是投资在YTL，而是投资在这些热门股身上，结局又会如果呢？

让我们试试看，演变方法如下：(请看下图)

1) 1991年买进的数量和2000年所持有的如有不同是因为加了红股。
2) 9年期间，这15只热门股当中只有MAYBANK，TANJONG，MMC和S DARBY有送红股。
3) 附加股一概不理，就当作无钱认购。
4) SRI HART和PROMET已经停牌，不列价钱。
5) 我把赚钱的排在前面，停牌的列后：
6) 投资成本：80500令吉，为了配合YTL的百万之梦。

31/12/91 31/12/00
Name Price Shares Total Price Shares Total
YTL 2.30 X 35000 = 80500 4.94 X 204120 = 1008358
MAYBANK 7.10 X 11338 = 80500 13.50 X 34014 = 459190
TANJONG 6.95 X 11583 = 80500 7.15 X 34748 = 248450
S DARBY 3.86 X 20855 = 80500 4.76 X 25026 = 119123
G HOPE 2.45 X 32857 = 80500 3.02 X 32857 = 99229
S UEP 3.46 X 23266 = 80500 3.86 X 23266 = 89806
MMC 2.59 X 31081 = 80500 1.74 X 43514 = 75714
RENONG 1.16 X 69397 = 80500 0.94 X 69397 = 65233
GUTHRIE 2.55 X 31569 = 80500 1.80 X 31569 = 56824
MAS 7.00 X 11500 = 80500 3.84 X 11500 = 44160
CASH 1.15 X 70000 = 80500 0.34 X 70000 = 23450
IDRIS 0.74 X 108784 = 80500 0.17 X 108784 = 18493
B GROUP 1.38 X 58333 = 80500 0.30 X 58333 = 17500
D BHD 1.16 X 69397 = 80500 0.16 X 69397 = 10756
SRI HART 0.46 X 175000 = 80500 0.42 X 175000 = susp
PROMET 0.84 X 95833 = 80500 0.29 X 95833 = susp

总结：

1) 投资在YTL的80500令吉，在九年内变成了1百万。YTL不是热门股。
2) 过了九年，投资在15大热门股中，有5只可以赚钱，另外10只要亏钱。

有趣的问题：

1) 那么赚钱的股票和亏钱的股票有什么分别呢？
2) 如果当时我们只选高ROE的股票买是不是可以赚钱？

这问题很重要，因为我一直强调买股一定要选高ROE才可以赚钱，所以我需要再次的深入研究，看看是不是真的如此。

After reading this, I really hope YTL is "Yang Tua Liap". Hope to see it become multiples after 10 years.

Big boss die= No more ah tou?

Well, I think its the hot news today that Osama Bin Laden finally say bye bye to Earth. If not wrong, the 911 incidence took place in 2001 and it took US 10 years to finally take down this guy.

Now I wonder in this 10years, this Laden donno duplicate how many of himself and take in a lot ka kia to help him do work. Do you really think killing the big boss meaning terrorist will end? Definitely his top ka kia will be the next ah tou. Let just hope no more terrorism in this world, bring peace instead of destruction.

U cut, I cut, everyone cut.....

Tree chopping down for development and weather is getting hotter. Its not like I don't want development but I really cannot bear with the hot weather. Take a look at the sun around 12pm, its really HOT!!!


No wonder Jacky Cheung sang this song long time ago.

这 歌 太 适 合 我 了 。 。 。 。

往前一步是幸福

退后一步是孤独

没人要我为什么

难道看不到我是块宝

前后左右你们给我听好

年轻都会老 真心最重要

你们烦我，烦到疯

正在努力看不见吗

上上下下你们一起发飙

金刚不坏之身也挺不住

往前一步是幸福

退后一步是孤独

在原地不动是为了看得更明白

爱情不能不清不楚

往前一步是幸福

退后一步是孤独

在纷纷扰扰之间我明亮了双目

找能与我相爱的人一起到老

没人要我为什么

难道看不到我是块宝

前后左右你们给我听好

年轻都会老 真心最重要

你们烦我，烦到疯

正在努力看不见吗

上上下下你们一起发飙

金刚不坏之身也挺不住

往前一步是幸福

退后一步是孤独

在原地不动是为了看得更明白

爱情不能不清不楚

往前一步是幸福

退后一步是孤独

在纷纷扰扰之间我明亮了双目

找能与我相爱的人一起到老

啊…………

往前一步是幸福

退后一步是孤独

在原地不动是为了看得更明白

爱情不能不清不楚

往前一步是幸福

退后一步是孤独

在纷纷扰扰之间我明亮了双目

找能与我相爱的人一起到老

The result of Sarawak Election 2011....

Well, like what I expected, BN again won the election by 55 seats. However, I believe this will create awareness among BN leaders that Sarawak people especially those in town want some changes when 12 DAP, 3 PKR and 1 individual won. The previous Sarawak election on 2006 only had half of them won and 308 already can happened. So, imagine now opposition are able to attract double Sarawakian to change, I am pretty sure BN is now terrifying.....Haha.

Look at some of these video:
Kuching: Estimate 30k shown up although raining and no free food or any stuff.


DAP leader talked till voice also hard to come out....


Its very clear that most people want some changes...


Lets wait and see what happen in the national election if it is going to happen this year.

IPO= Initial Public Offering....

哈 哈 哈 。 最 近 股 票 “PANG PANG”声 的 起 。 。 。 我 买 的 股 虽 然 只 有 小 起 ， 我 也 很 开 心 啦 ！ 毕 竟 好 过 没 起 。 要 是 你 也 是 股 民 ， 现 在 又 有 一 个 新 IPO了 -FOCUS LUMBER， 只 是 60仙 一 股 。



从 这 图 看 来 ， 自 从 2011开 始 到 现 在 ， 在 KLSE上 市 的 IPO， 九 个 里 ， 8个 都 起 得 不 错 。 真 的 是 发 了 。 哈 哈 哈 。

由 于 日 本 大 地 震 ， 木 材 的 价 钱 也 会 水 涨 船 高， 看 那 些 LINGUI， TAANN， WTK和 一 些 不 相 干 的 木 材 股 个 个 起 得 不 相 样就知 道 啦 ！ 虽 然 FOCUS LUMBER主 要 出 口 到 美 国 ， 能 够 肯 定 的 是 它 也 会 从 中 受 益 。 希 望 我 标得 到 我 的 第 一 个 IPO。

更 多 资 料 可 以 从 这 里 得 到 ：

http://politemarket.blogspot.com/2011/04/focus-lumber-ipo.html

http://www.focuslumber.com.my/

原 来 钱 没 有 花 ， 它 也 会 跑 路 的 。 。 。 。 。

一 个 月 两 千 多 ，我 自 问 不 是 一 位 很 花 钱 的 人 ， 省 东 省 西 可 是 钱 就 好 像 会 生 脚 一 样 ， 一 定 会 有 机 会 逃 出 我 钱 包 。


自 从 有 了 SAGA， 就 更 花 钱 了 。 钱 好 像 突 然 有 翅 膀 一 样 ， 会 飞 啦 ！





现 在 那 AGUNG头 “有 毛 有 翼 ”， 隐 隐 约 约 听 他 唱 这 首 歌 ：




钱 啊 ！ 钱 啊 ！ 请 你 不 要 走 。 。 。 。 得 那 么 快 ！ ！ ！

我 有 点 想 走 人 。 。 。 。

哎 呀 ！ 我 校 又 是 TOP ONE 了 但 是 从 后 面 排 起 。 讲 出 来 都 丢 脸 ， 不 是 我 没 教 啊 ！ 学 生 啊 ！ 争 气 点 ， 把 TONGKAT丢 掉 ， 像 样 一 点 。有 时 真 的 BEH TAHAN， 天 天 都 一 样 。 我 只 能 祝 福 你 们 ， 点 首 歌 给 你 们 听 (虽 然 我 知 道 你 们 都 听 不 懂) 。

To love or not to love......

此 时 此 刻 听 这 首 歌 而 外 有 感 觉 ， 不 是 我 不 想 爱 而 是 不 会 啊 ！


觉 得 自 己 好 像 这 首 歌 酱 ， 就 像 根 木 头 。



真 的 是 闷 透 啦 ！ 好 像 “单 掌 难 鸣 ”又 要 撞 墙 了 。车 啊 ！ 争 气 点 ， 快 点 好 啦 ！ 一 病 不 起 ， 真 的 是 大 马 病 夫 。 破 桶 ， 哦 ， 破 桶 。

SARAWAK ELECTION。 。 。 。

Haha...This election is rather hot. Many wonder will 308 repeat again?


Through my own observation, while most Chinese appear to support more on DAP but there are only 15seats where majority of the voters are Chinese. This is a rather small figure as the total are 71 seats.


So, is SARAWAK ready to head towards a change? I think no body knows the answer because 56seats will be depending on our Bumiputra friends. Well, let's wait and see what happen on 16 April.

Finally....Good sign coming.....

Haha....This week start with a good sign. Not only my Saga manage to claim warranty but my stocks also rising fast. Now its already 4% on paper profit with one of it being top 10 high volume- DAYA.


After calling so many times, finally, Proton confirm my car will be under warranty. However, I have to wait around one month. Now my situation is like owning a car yet no car to drive for a month. Hopefully, it will be done as soon as possible, feel so bored without a vehicle, cannot even go dating.

While my stocks have been up and down for weeks after the Japan earthquake, now its start to show sign of outperform. Haha. Hopefully the pattern will continue. I personnaly think its related to Sarawak election as well since government will sure try their best to make everything look good. So, sit tight and enjoy the bull ride. Just make sure you manage to escape before the bull go mad.....

Do you believe this?

After 3 days waiting, I finally cannot tahan lia. I wanna complain. Do you believe this small lock can cause the car to broke down and need RM600+ to repair?

The service is so terrible!!! At first, they estimate the price of the spare part is Rm300+ and say will confirm with me again. Who know I wait and wait, guess they don't dare to tell me. I call back， the price increase 100% become RM600+. Wah, what kind of service is this? You think I am some one 3 years old that you can cincai potong?

I am really disappointed with such service, how can I trust you any more? What is the use of warranty when I need it? I wanna complain. Hopefully, you all won't see me in the press soon. If they didn't fix it for me, I will sure make this big.

你 做 初 一 ， 我 做 十 五 。

O, Proton Saga..............

Finally, the day come to me. I never thought it will happen so soon. While driving the girl I like and thought can go enjoy dating. My saga blm just broke down and cannot start again. Actually, before this, I found out something different about it. It start to show some sign of "old" and need to start a few times before I can drive out.

Haiz, the car just "die" like that and its so embarrassing since its still very new. Some passer by even drop by and ask me- "bos, tiada minyak?" Arrrrr......How can this happen? It happens not only once but twice and needed to be tow for 3 times already. Luckily, I got insurance cover over the car and its still under warranty.

However, this has totally destroy my trust towards Proton. For whole day, Proton service mechanics still haven't confirm with me what cause my car to break down. So sad ar. I just hope to "heal" my car as soon as possible. Those of you who wanna buy proton saga, think twice la.

Finally SPM result out d.....

Well, as I expected, the result of these students will be quite terrible. Imagine my school count top from behind of whole Kuching. What to hope for beside praying they will at least get an E. If can, I think I wanna change the definition of grading in Malaysia into:

C: Cemerlang
D: Distinction
E: Excellent
G: Gemilang
T( tidak hadir): Terbilang

How can these students pass if everyday only say "malas belajar"? I just cannot stand this anymore. If the students are like that also thanks to the culture of whole surrounding. I cannot imagine why students can come school just to sleep everyday. If you wanna sleep, why not just sleep on your own comfortable bed at home?

No wonder nowadays more and more teachers turn "Gila". May be too many students getting G. Yet, whenever teachers trying to punish them, it will be considered as torture and come out in newspaper. Do you really think students nowadays will be afraid of what a teacher say? If the students not even care about their result, will they care whether they get any verbal warning? Try think about it.


From my observation, students' quality really dropping. While recent result shows straight As students are more than 9K out of 500k SPM students, this is actually 3 times more than what during my time on 2002. However, they are still nearly 3k students who get all Gs. Ask yourself, those who got 21As, 20As in the past few years that newspaper claim they are genius....Do you still hear anything about them? Are they really smart or simply just a exam machine. I just wanna express my sadness while seeing the result of my students because they cannot even pass in this 21 century.

First time buy flower for girl.........

Aiyoyo, si beh paisei. Donno why the time I buying flower also feel awkward lia. May be its my first time, colour I also blur blur. Ask got what colour, tauke niu reply pink or red so I simply pick red la. Suddenly recall she likes white so cincai ask got or not. Haha. Here's goes a white rose. Why pick one as first time? Cause it stands for only one ma, also to cut budget la. Haha. Rm7 for a white rose- consider a good investment la.

Hmm, I never thought I am so shy. By the time I reached outside her home, I can see her parents looking around. Aiyo, I don't know why feel so paisei lei. The time she come in my car, my heart start pounding like wanna heart attack lia. Haha. Talk also kelam-kabut and just give the flower to her or may I say "throw" to her since I a bit ki teong till I actually didn't hold the flower properly. Then, we just laugh and laugh. I think my face is more reddish than her. Haha.

We went for jogging after that and have dinner together. The restaurant she picked also very nice as if I book the whole place because we are the only customers. Haha. They actually light up some candle but too bad they didn't switch off some light. Aiya, really donno how to treat customer well. Haha.

What a day, although she didn't give me any answer. I kind of like it, will continue to think what to do next and enjoy the process. Haha.

All human are the same...........

Well, every human being have "七 情 六 欲 " meaning seven feeling and six desire if I translate straight forward from mandarin. So, now same goes to our fellow Japanese that we can notice some sense of panic around after few days of the earthquake. Look at the video below:



Its simply hard to control your emotion if you were there, what to say if you have relative lost in the tragedy. Look at how serious the tsunami struck and it is the not the earthquake that is devastating.



The matter got worse this few days due to nuclear power plant which is like a time bomb and now even the Japan government mentioned of critical 48 hours. How can Japanese don't get panic?

After US start evacuating her citizen away from Japan, what can you imagine if Japanese government still say it is safe to be around in Tokyo? If I were there, of course I will run away first. Lets see what will happen in the coming 48 hours.

What if.....

Assume that earthquake can strike again any time, if the second wave coming, is Japan prepare for it?

Well, we should solute Japanese as they show high discipline in controlling themselves and maintaining order even after a 9.0 scale earthquake. It really amaze the world by how they reacted- calm, evacuate in order and so far no news about riots. Compare yourself with several video below.

Japanese after the tragedy:
http://www.youtube.com/watch?v=8yysxINv8-g
Sorry, cannot show it here because some how it is not allowed to be embedded.

Another video on Japan quake:



Where as, try look what happen in Sichuan, China:





I am Chinese myself and I believe if that kind of disaster strike Malaysia, I will be like anyone in the Sichuan video compare to Japanese.

With that, I believe Japan can handle anything even though if second wave of earthquake happen. Be strong and hope everything will get better soon.

没 眼 看 =No eye see......

Aiya...This is by far the most terrible disaster I experienced since I started my investment. I now suffer on paper loss of 7% but I believe this will not affect the company's future since its profit will not be affected much.

Although now losing few hundreds, I consider myself still very lucky and no match with what they face back in Japan. Really feel pity and sad for them, losing everything they had work so hard. House teared apart, car all washed away and the most priceless is life that simply cannot be replaced. We have to be grateful staying in Malaysia, at least we don't have natural disaster here.





Worst to come if the nuclear plant out of control...

Market Chat

Been to few talks last week, among the most interesting will be the Market Chat organized by Hong Leong Bank and Bursa Malaysia. I personally learn some thing new from this talk and keep myself update with the current market. But I wonder, how come most of the people shown up are uncles and aunties. I think I am among the very few youngster in the 20s.

Well, the first thing I learned is about trading future which I think is more like gambling. The reason why I said so is because you are judging the movement of KLCI and decide whether you wanna buy it up or down. For example like last week, if you can predict KLCI going to dip down below 1500 on Friday and buy in when it hits 1520 on Wednesday. You would have earn Rm50 per index point and Rm50 x 20points= RM1000. However, I don't know what will happen if it continues up and didn't dip down in case you buy it down.


Next, I also found out that HL Ebroking offering very cheap trading fee to the minimum of RM8 per trade. I consulted my brothers and we both wonder whether its a nominee account or not since nominee account normally enjoy less like not receiving vouchers and less dividend. However, its great to know that HL Ebroking offering a lot that you can find it out yourself from the link below:
http://www.hlb.com.my/eb/ebroking/ebroking.jsp?flag=ebroking


To my surprise, the talk also offer free buffet dinner since I didn't manage to have mine before going for the talk. Haha. The last but not least is the speaker from HL investment bank that really inform me a lot with the current market.


The few stuffs I recalled was the worry for the current market- he highlighted about the effect of Japanese earthquake and Middle east riots that he advised people to stay away from market until it is clear that Middle East problem are settle especially Arab Saudi which already shown some signs of instability.


He mentioned about hot money pouring in from Middle East to countries in South East asian like Singapore, Indonesia and Malaysia. Since these countries are relatively stable, these Middle East tycoon will invest in stock markets or bond especially in Islamic related stocks. Due to these so called Syariah stocks mostly involve in property sector, Malaysia will probably heading toward a surge in house price in around June 2011 if the hot money continue coming in. I definitely hope this is not true because I haven't got mine. Imagine a double stories terrace shoot up million, how is a normal teacher like me going to buy one?


He also used a lot of terms that I don't really understand like CPI and bla bla since I am still novice in this field. He mentioned of US policy and some crisis that might happen if the policy is carried out that I don't know much either. He also mentioned of foreign holding in our stock market that is still considered high and impossible to overrun 27% in 2007 - he reminds us on the issue of election year that most dislike because of unforeseen result.


He ended the speech with few stocks that he recommended:
1. Airasia
2. HSL
3. KSL
4. TM
5. Time Dot Com
6. Mudajaya
7. CIMB
8. Maybank
( just a recommendation, buy at your own risk)

Its quite funny when an uncle asked the speaker to narrow down to 2 stocks and the speaker reply- "If I can do that, then I won't be working".

Haha. I personally like the last sentence.

Real Tsunami VS Tsunami in Movie

What a shock happen in Japan! Tsunami just wide up almost all the stuff on its way. Still recall I watch the Korean movie that is very entertaining but when it comes into the real stuff, it is not entertaining at all but SCARY. Try compare yourself from the video below:







Never mess around with mother nature..........

Catching a dropping knife...........

Aiya......Finally, I feel the pain of buying stock at the wrong time. I am affected by my emotion when the price continue shooting new high, now I pay the price. I forgot the important rule- to be greedy when others are fear, to be careful when others are greedy.

Last few days since Monday, I had been trying my luck to purchase Fajar. From its closing price Rm1.05, I tried my luck on Rm1.04 but not successful that day because the price range from RM1.06-1.10. So on Tuesday, I put RM 1.10 but again I didn't manage to settle the deal because price range that day was RM1.11-1.13. Now my greed had overrun my rational, I keep on assuring myself that it will continue the up trend so I tried again on Wednesday for RM1.13 and this I got it.

However, the price didn't show the continuous trend anymore. Now the price is already RM1.07. Ahhhhhh...........I had caught a fallen knife, though only 6 sen apart, it is already 100+ on paper loss. Same goes to my Daya, where I purchase with much higher price than it was.

I believe this is just some adjustment due to regional affect that have riots every now and then that causes the oil and gas price continue creating new record. I hope soon everyone will forgot about it and my stock will recover.

When can I be rich?

Well, I ask myself some time, can I be rich? I used to aim to become rich man without thinking what I want to be as an adult. I just want the flow of money not to be not issue any more, enjoying life, having big house, marry a wonderful wife and happily ever after. Well, is that possible?

I learn investment because I believe everyone has the equal right to get rich. However, I know this will take some times to wait and learn. With only 2.7k salary per month, after paying my car loans and give some to my mom, ultimately, I only left 1k, that also if i didn't spend any money that month. What a poor pity life!

Before I went university, I bought some Da Ma Cai, hoping to win some lottery and get rich. Haha. That seem to be to no avail because until now I still a poor teacher. Well, I still bought once a while just to see whether I am that lucky guy. After working for more than one year, I only manage to accumulate few k saving. With house price shoot so high, when can I get a double storeys terrace house that already reach 400k in my hometown?


Hopefully, I can gather enough money soon to buy my own house. In the mean time, will chase the girl I like first. Haha. Wish me luck.

When she didn't say yes or no.........

Haha....I never thought she reply so calm. Discussing with me about our differences especially religion. Although we are Chinese but we have difference religion, she's Christian while I am just traditional Chinese that go "pai pai". Well, last time I used to worry for that because I am worry that my parents cannot accept it. As time goes by, I notice that nothing much difference so I dare myself to confess to her. Who knows is her turn to worry, she highlight this because she don't want this to be an issue next time. I am glad actually because I know she is considering me deep inside her mind. Haha.


She also highlight about romance, loyal, rich and bla bla bla but I only can confirm her with my loyalty. Well, if you know me, my look very loyal right? Haha. For romance, I am just empty minded guy that don't know what is that. Haha. May be will try buy her some flowers. For wealth, I can just say " I will try my best."


Although she didn't reply yes, I will wait for her. Trying to convince her I wouldn't mind being different religion. I never thought can be so fun dating a girl, its my first time. Haha.

Confession.........

Well, I am nearly 26 already. Sad to say so, I am still single. While some friends of mine already married, I am still busy finding myself a girl friend. Although single didn't bother me much, some time deep inside, I still feel kind of lonely.


Hmm, am I too picky? I wonder why for all this time, I always fail in this important part of my life- finding a right soul companion. I had confess to some girls before, yet the answers most of the time was "its better to be just friend".


What's wrong with me? Am I too hard to be accepted? Tonight, I nearly confess again but I hesitated for the bad experience I had last time. But technology do help me in avoiding awkward situation if the answer comes other wise where I confess through email. I wonder whether it is appropriate since she might think I am not sincere in asking her. Hopefully, Mr Loso will find Mrs Loso soon..........Hope she will reply "yes, I do". Wish me luck.

Selling my stock...........

This few weeks was rough weeks for stock, seeing stocks up and down. Finally, I decided to sell Mahsing when it touches Rm2.50 although it went up to RM2.83 before. Though I made RM 500+ from this trade, I wonder I have made the right decision since this is a company with continuous earning since last decade.

Now, with some money, I am planning to go in stock again soon. My current stocks are Daya and Stareit, now I am eyeing on Fajar which holds a lot projects in construction. I personally believe that more projects will roll out to lure more support for the current government to keep on in charge.

Besides that, I also eyeing on Daya and Zhulian for their background. My judgment was on their fundamentals like cash, debt, ROE, PE and future growth. I will try to buy Fajar on Monday while keeping an eye for Daya and Zhulian, let's see whether my judgment is correct or not.

Live your life with dreams......

Service my Saga SE for 15000km

So far, the car still performing fine, just only the fuel consumption a bit scary. Well, what can you say for a car cost 44k? Haha.

On Saturday morning, I went Proton 3s to service my Saga. Upon reach 9.20am, I straight away went to the counter as I set appointment on 9.45am. I launch some complain on my pedals an suspension that have sound. Then I was told to wait 2 and half hour and expect to pay RM280. Wah, what a good job! Wait 2 hours 30 minutes and pay RM280 for service? I was kind of shock and thought she was just kidding with me so I wait patiently.

As I have been servicing car there for couples of times so I know how fast they do work. Hmm, I wait and wait, read newspaper, sleep, awake and sleep again. Upon 11am, wakao, I still saw my car parking there, not moving at all, no wonder need two and half hours. Haha.

Luckily I bring along my investment bible- " Secrets of Millionaire Investors", thanks to Proton, I manage to read finish when to sell and buy stocks. I will definitely practice those theories soon.

After around 1 and half hour, counter call me to pick up my car. I was told the pedal and suspension are just fine, tightening the screw will done the job. When I see the bill, really a bit cold sweat coming out - RM210.

Though got discount RM70 from what she mention previously, the bill still super high compare 3 times previously which average around RM150. I found out the labour fee for Proton is RM55. Well, what can I say?
Beside labour fee, I found another interesting stuff they add in:


I hope this better works as its not cheap by the way-RM48.

Another stuff I got this time is this pretty mug set:


May be its just to compensate me for paying extra though I know its just free gift of Petronas Syntium 800.

While paying at the counter, I loso loso ask for next service and I am told to prepare around RM500, this time even more cold sweat. Wah, Saga o Saga, u are really sucking, vacuuming everything in my account. Just hope my Saga good good, don't be naughty else my wallet really keep fit lo.

Wonderful Teachers.

Lol, looking at this video will definitely make a lot people touch. Mrs Chong, what a coincidence! I am Mr Chong, I too a teacher yet I wonder I can do what she did or not.

Start invest ASAP, getting rich is not a dream.

When Loso Teacher no more loso......

When I first step into teaching, I thought I can change people, use my passion to shape them into wonderful person. As time goes by, my passion is only return with minimum result that some students only can stand around few minutes and change back as usual- lazy, talkative and bla bla. I start to focus on only those who wanna study. Though I know this is bad as I should treat everyone equally, I just cannot help much for those who always create troubles. I feel sad for them as they are still very young, no burden at all but just study for a better future. What happen to youngster nowadays? Thinking of fight, nude, drugs and stuff that they should not touch at all. Imagine if Sarawak depend on these youngster to build up our state. I just don't dare to imagine at all.

I wonder some day later, I will be labeled as cruel teacher like what inside this video. I really pity this responsible teacher that she only did what she suppose to do yet being labeled CRUEL.

跑 前 一 步 是 幸 福 ， 退 后 一 步 是 孤 独 。

人 要 勇 敢 争 取 ， 生 活 才 会 精 彩 。


希 望 2011能 有 突 破 ， 再 会 吧 ， 单 身 。

Make your own Ang Pau

Chinese New Year is always the time I anticipate for because I know I will get a lot Ang Pau. But as soon as you are working, Ang Pau is no more for you. Loso teacher this year decided to make his own Ang Pau by learning investment, thanks my brothers for teaching me and exposing me with all this.


So far I manage to make 25% on paper profit in stock while only 2.8% in Public Mutual. Although the amount is nothing much, its a great start for me. I will continue explore more methods to make money since I hope to be rich teacher rather than a poor teacher. I believe everyone has the equal rights to win a wealthy and prosperous life. Let's start early with these 5 simple steps- work, earn, save, learn and invest.

Working is crucial for everyone as it will generate earning for you steadily every month. When you have your pay, most of us would usually like to spend to comfort ourselves on our hardwork. Here, many did mistake by not making any savings. As a result, you will end up continuing miserable life where you complain on not having sufficient money because you finish up your pay almost every month.

Here, you would need to discipline yourself to save at least 30% or as much as possible. There are a few methods for saving like fixed deposit, public mutual, insurance and etc.

While you are saving up money, start learning on how to make your money earn money.While people always warn the risk of stock, mutual fund and other type of investments as gambling, it is not true at all if you learn properly. If you wanna gain something, you must sacrifice time and passion in exploring it. The same goes for investment when you have to read up. Books and internet resources are abundant, just waiting for you to dig in. Can you imagine there is a person who can make money without even selling any product or working and end up become billionaire? This guy actually make billions from just 100 thousands and he is Warren Buffet.

So, let's learn and start making your own Ang Pau. Happy invest from Loso Teacher.

My puppies.....

Goodbye 2010
2010 is a great year with a lot stuff being my first time.

First year in my official teaching career.

First year driving my own car.

First time buying mutual fund and stocks.

First time go Sabah and tried out padas white water rafting.

and a lot more that I forgotten. Hopefully 2011 will be a wonderful year like 2010. Happy new year.

买了没起，起了没买。哈哈哈。
(I buy 1 no up, up 1 I no buy)

It's been a month since I started on my stock investment. Till now I bought in 3 shares, the first one I bought is MAHSING. I wonder why i bought it since the price hardly rise。 Recall back, may be I am too excited to earn money till I simply buy without doing much research. But I believe it is just a matter of time before it earns me money because I believe there are still people out there to buy the properties they build.

Because lack of capital, I only manage to add up new stocks after getting my pay. This time I am going to play safe so I picked high dividend yield share which is REIT that mostly offer around 7% dividend every year. I pick STAREIT that most probably going to give dividend on January 2011. Consider not bad since fixed deposit only offer 2.75%.

Besides this, I also wanna try my luck on some cheap stock. For this, I pick some cheap company related to oil and gas which is DAYA. I hope the company really got DAYA( Force) to go up. Haha.

As I learn along the way, I should have look into some of the research from these blogs that really look like pro before buying a share:

http://timcheeso.blogspot.com/search/label/non-plantation%20but%20own%20plantation%28on%204%20june%2009%29

http://tengkhan.blogspot.com/

http://klselivefeed.blogspot.com/

Advice from Loso Teacher, U better study it before U buy stocks. Else ur money can say bye bye to U any time. Hahaha. May the FORCE be with U.

My saga is officially 1 year old

16 December is the date I got my car last year. So far I am still satisfy with it although there are some weaknesses that I cannot ignore.

Hmm, first of all, if you wanna look for a fuel efficient car, you have think twice before you pick saga. Consider my meter already achieve the digit shown in the picture below, let me count how much I spent on feeding it this year.
As an average, Rm10 fuel can drive this car around 55km.

The total amount of money I used for fuel this year would be
= 12805/55 x 10
= RM2328. 18

Consider my pay each month slightly higher than that figure, how can I ignore this scary fuel consumption if fuel price continue to rise. So here, I would like to let you know, buying a car is only a liability and not an asset since you wound need to continue feeding it.

Other than that, car only devalue and the amount is reducing in fast pace. I bought this car for RM44545 and now market value is only set on RM39000. I just cannot wait to settle my loan as soon as possible so that I can invest my money rather than spending on my car that continue to reduce in value. For those of you who wanna buy car, remember don't spend much on luxurious car and look for a fuel efficient options.

Mr Loso looking for money- part 4

Haha...After so much time looking only, finally I bought my first stock. It is very exciting moment for me when I click on BUY.

Stocks- A term that I dono why when I mention of it, most people keep on warning me to be careful. Lol. Actually why so many people scare of it? It is by far the best investment method if you study it carefully.

Stock is only dangerous if you buy blindly which can be said as gambling. Of course gambling will not be considered as investment.

Though I haven't make any money from stock, let me share some experience with you on how to purchase stock.

Before you can start buying stock, you need to open a CDS account which is purposely for purchasing and selling stocks. You can apply this account from CIMB, Maybank, Public Bank or OSK. I personally chose CIMB I Trade since it offers me cheap trading charges that only around 0.2% or RM12. To make it easier to understand, recently I bought 8 lots of stock costing RM1456 and CIMB I trade only charged me RM16.

To apply CIMB I trade, you need to go only CIMB I Trade center and not ordinary CIMB bank. Please bring along your bank book preferably CIMB saving account, Ic and RM10. You can search for further information from this website: http://www.itradecimb.com.my/ . You can try the demo version as well and learn along the way.

There is a lot of websites that offer all kind of information on stocks. I personally using some of these to assist me, hopefully it can help you as well if you are interested.

http://www.oomoney.com/category/cold_eye/
( a website that teaches slowly on how to pick a good stocks with its ROE, PE, DY and NTA.)

http://www.klse.com.my/website/bm/market_information/prices/index.jsp
( a website displaying the stock price and its recent financial report)

http://biz.thestar.com.my/
( Star online newspaper that doing good job in providing information on business and stock report)

So I end this with a Chinese saying that I found very meaningful to share with you:
你不理财，财不理你。

Mr Loso looking for money- part 3

After collecting certain amount of capital, the next stuff I look for is how to invest it. The first method I know is by fixed deposit which I thought at first the safest and should be able to earn me some money.

As I grew older, I find out this simply make the bank earning even more money yet I am only given a little bit interest. The interest rate is normally easily outrun by deficit. If you don't get the meaning of deficit, try to compare what you can buy with RM1 ten years ago with now. So, what for keep in bank if you know it is going to devalue?

So, I have learn something new this year which is to invest in mutual fund. If you wanna know more about any mutual fund, you can refer to the "mutual fund encyclopedia" website:
http://www.invest.com.my/personal/funds/

The first mutual fund I invested is from Public Mutual. As time goes by, I bought in 3 mutual funds which perform vary from each other. Some make me 9% earning while some even less than 1%. As average, I manage to make 5% profit from it so far which is at least higher than 2.75% from fixed deposit.

One advice for you guys who wanna invest, make sure this money is some extra pocket money that you won't be using up till 3 years or longer. This is just to make sure that you can keep in the mutual fund long enough till it earns you some money. You can refer to this page for price of each unit from Public Mutual.
http://www.publicmutual.com.my/application/fund/detail.aspx

So, how to start? You can actually buy through any agent that you can trust on or simpy straight go to any Public Bank or Public Mutual Center. For some more information, please refer:
http://www.publicmutual.com.my/

There are methods in making money from mutual fund which you can dig from a lot websites including this Chinese Cari website:
http://cforum2.cari.com.my/forumdisplay.php?fid=241

One of the most popular method is to do regular top up each month. This method ensure the price of the fund you bought in will be averaged down that deter you from buying a mutual fund with higher price when economy is doing good.

Keep an eye from time to time and invest more when the mutual fund drop, it will allow you to buy in more units and return you with higher profits. To avoid tedious work, you can apply online banking and online mutual fund account which available for Public Bank and Public Mutual.

Mr Loso looking for money part 2

Since lottery is not the method, I start to think about second way which is the most popular method among teachers- tuition. I have been giving tuition since back in university time but just for some pocket money.

Hmm, after one year teaching, tuition is not as easy as I thought it would be. First thing you will encounter is to find a vacancy. Normally there are two options- home tuition or tuition center.

Lets talk about home tuition first. The advantage of home tuition are as below:
a) normally only one or two person so less distraction.
b) pay is negotiable which can earn you at least rm20 per hour.

The disadvantage of home tuition:
a) rather hard to find especially if you are new teacher.
b) high expectation from parents.

For tuition center. The advantages are:
a) easy to find vacancy, a lot new center looking for school teachers.
b) no need to worry about number of students, there will increase from time to time.

The disadvantage of tuition center:
a) pay is being divided according to portion either 50:50 or 40:60 so less pay if few students.
b) students quality are hard to control.
c) a lot distraction especially for younger students who like to play.

Both of these have pros and cons, but tuition definitely is the perfect option to earn some extra money.

Mr Loso looking for money....Part 1

Money not enough!!! Think I am not the only person who think like that. Looking back 1 year I have been working, my account still only 4 digits. Haiz. When can I get rich?

Though people use to say be teacher only "cukup makan" (enough eat) but I believe everyone have the equal rights to get rich regardless of what field he involved in.

When there is a will, there is a way. I turn my first hope on something quite impossible. Lottery. Hmmm. U might think why is it impossible when there are persons out there already getting rich with millions after winning the jackport. So here, let Loso teacher count the probability of winning lottery ticket for you.

For example, the tickets with four digits.
Sample space= 10x 10x 10 x 10 = 10000 ( There are 10 possible digits from 0-9 )
There are actually 10000 possible combination for 4 digits, meaning if you buy any XXXX,
the probability of winning= 1/10000 = 0.0001

The tickets with six digits.
Sample space = 10 x10 x10 x10 x10 x10= 1000000
the probability of winning= 1/1000000= 0.000001


So as you can see the more digits, the lesser the probability of winning. Yet, I keep on seeing people buying as if they are very confident in winning it. I wonder how to get my hand on such shop selling the tickets rather than buying it. Imagine with a piece of ticket that only cost not even 10 cent and the probability of winning so few. It is definitely the tauke selling that is the winner. Below I share short video clips of famous Singapore movie about lottery.




Haha....Definitely this is not the proper route to get rich. I will share again with you in part 2 what I have done in my quest of finding money.

If you got 20 million...

Haha, I bet everyone sure dream of being rich before. Well, Loso teacher me of course like money. Before becoming a teacher, I used to aim being a rich man. Though people say money is the root of evil, I rather get rich than being poor. However, I just don't know how to get rich.

Before long, I come across newspaper with advertisement mentioning jackport which accumulate till 20 millions. Wah, that's really tempting. Imagine if I can have that 20 millions, I will be certainly a rich man. With the law of attraction, I knew that I would have to buy myself some jackport tickets before I can have my chance for that money.

After find here find there, look up look down, finally I found some uncles selling such tickets. Haha. I wonder why always old uncles selling such tickets especially if you are from west Malaysia, they will always come to you when you are having your meal.

I pick blindly because I know any number will have the equal probability to win. Then, I wait and wait for the day to come. Looking at the ticket, I start my day dreaming again.

Hmmm. If I have 20 millions, the first question come to me- Will I still be Loso teacher? Haha. With that kind of money, I think I can live happily even just shake shake leg back home. How many of us will still working if you haven 20 millions? Haha.

So here, I would like to ask you. Would you give up 20 milions for your job? If you say "YES", then I congrats you for having the career of your life. But how many of us will say "YES"? Haha. Try think about it.

Benefits of being teacher

Very soon, there will be another batch of new teachers coming in. I guess you must be wondering what are there to explore especially benefits of being teacher. Haha. Of course when you pick your career, you must have at least some interest in it and of course career benefit is a must as well.

First of all, I think all should know "holidays" is always the best benefit for teachers. Let say for example for the year 2011, school days are only 210 days out of whole year of total 365 days. That means we have 155 off days. Woo hoo......Who don't like holidays anywhere? Haha.

Then, lets explore the pay of being a new teacher. Most of the new teachers nowadays probably have a bachelor degree with honours. So you will be posted with gred DC41 P1t5 with your starting pay listed as below:

Basic for DC41- P1T5= RM1901.8
Allowance = RM 300+ 300
Total = RM 2501.8

The above is only a rough figure for you as a new teacher as some of the allowance varies with the state you are teaching, for example Sarawakian will have state allowance which is 17% of their basic and increase along with the basic while for West Malaysia only have COLA which fixed at RM300 per month. So after deducted from KWSP, you should have around RM23++ which not bad at all for new university graduates.


Then after some time around half a year, you will be called for an interview that is a crucial process for you to be confirmed in your post as a permanent teacher. Remember DC41 is only a temporary teacher where you will not get the extra benefits of being permanent like borrowing money from government to buy house and so on.

Of course, the most obvious benefit after being confirmed is to have extra allowance called housing allowance which is around RM250 each month and your grade will switch to DG41 P1T4. By then, your pay will rise again around 300 making the total around 26++ after deducted from KWSP. I think this pay is almost the same as being a new engineer.

There are some more other allowance if you get to be sent inter state for example you are Penang kia and you are send to Sarawak or even into the remote area which classified as P1- Rm500, P2- Rm 1000 and P3- Rm1500. The most will be at Sabah which I myself not clear about it. There are some more allowance if you going to teach English, Science and Maths called as BISP which around 5% of your basic. All you need is just explore along the way. So who say being teacher not good? Haha. Think again. I guess you just didn't find it out the details.

Steel Bowl Vs Glass Bowl

Hmmm....When you step into teaching, people always congrates you for having a "steel bowl". Guess many will understand if you are a government servant. Work is secure and will have a steady income. Though some post will have slightly some terms and conditions but mostly it will be very safe till you retire and get your pension.

When I receive the news of being tutor, i see this as an opportunity to gain better future. Yet after some time making it clear, tutor post can simply be explained as "glass bowl"- nice to see, nice to hold, once broken consider sold. Haha. This is what i always saw in the shops that display a lot glass items.


Though it is a really good opportunity, yet it promises me nothing but a contract of 2 years. Plus one of the terms-“ You may be terminated any time without any reason”， really make me stunned some time. This "glass bowl" may crack any time. Haha. It may look nice and beautiful from appearance but it is full of risks.



Guess I am just not the type that can take this risk and go for it. I wonder if after 2 years and become jobless, what can I do? I have considered a lot and asked a lot people. Some encourage me and some consult me. Thanks to all my friends for your advice. I am also thankful for being given this opportunity for me to consider deeply. Now is time for me to look into my job and make sure I be the best form. I end this with some Chinese saying as below.

选你所爱，爱你所选，行行出状元。。。。。。

Never cry for spilled milk.

Well, I do have some couples of memories that I regret of. It is always because I made the wrong choice and I did the wrong stuff. But the past will never change again so it is useless to waste time and think about it.

Now a similar situation occurs to me again. It happens to me that the post I applied months ago finally give me a green light and I am offered being a tutor in a local university with promise on free master study. This is really tempting. Though the teaching life for me now is very comfortable and I am kind of indulge myself with the benefits. I still feel some part inside me empty, I want something more, may be it is the job satisfaction or the need to gain back my passion for working.

Here I list down some of the benefits for both of the choices.

Benefit of being teacher	Benefit of being tutor
1. Holiday a lot. A lot time to go for vacation. 2. Pay is quite high and working hour is very short. 3. Easy work specification. 4. Steady life and easy to master the syllabus. 5. Can earn extra through tuition.	1. Free study for master. 2. Possible to have better students. 3. Possible higher job satisfaction. 4. Possible higher pay next time. 5. Challenging life. 6. Continuous learning. 7. More promote opportunity. 8. Wilder career scope. 9. Route full of ambitious.

And of course, everything is not perfect and of course there will be accompanied with the negative side any of the choice. Here I list down some.

Negative of being teacher	Negative of being a tutor
1. Rather bored life with everyday seeing the same naughty students. 2. Slow increase in pay next time. 3. Lack of motivation towards working. 4. Need to in charge for sport and extra core curricular.	1. Most of the benefits are only “possible”. 2. Possible of highest stress. 3. Never know what will happen next. 4. A route full of no promises. 5. Possible of being fire within tutor contract period.

Hmmm…..I still have 5 more days for me to decide. Though at first I feel like going for tutor. But after thinking through, there are too much possible outcomes for that route, yet if I pick and continue be a teacher, will I regret again? Mr Loso is in dilemma

不要认为自己没有用

ANGRY

Anger always bring devastating effect. Its a terrible feeling yet many just cannot control their emotion when anger come.

I used to have anger as my motivation to be better. The last time I got angry, I went learn swimming and now a competent swimmer after a friend critic me. That don't sound so bad at all. But now, I am kind of regret why I got angry so easily, leaving behind bad image and nothing benefit at all during my Sabah trip.


I also clueless about the reason I angry for, may be it is envy, may be it is just I care too much on what people say especially friends. I should have enjoy myself to the fullest and have fun with these friends that seldom met with each other after graduation.


I think now I just angry at myself for being angry and compare myself with others. Haha. So I will use this to motivate myself for better EQ and try my best not to get angry again. Anger is just for loser. And certainly Mr Loso dont want to become Mr Loser. Haha.

A meaningful story.

Five children were playing a wishing game. Each had a chance to have a go at it. Each had to answer “if you have a wish, what will it be?” The child with the best wish would win. Here was what each said…

Child #1: I’m going to wish for a McDonalds Burger. *Smacking his lips* Make it double everything!

Child #2: I’m going to top that. I wish that I own a McDonalds restaurant. Then, I can have as many burgers as I want.

Child #3: That’s an easy wish to beat. I’m going to wish for one billion dollars. That way, I can easily afford a McDonalds restaurant, all the video games I can have and lastly, I can buy a school so that I don’t have to turn up for classes if I don’t wish to.


Now Child #4 was a smart kid. He wanted all that his friends have wished. He thought carefully before answering.

Child #4: If I have a wish, I’m going to wish for three more wishes. With my first wish, I am going to ask for a McDonalds restaurant. With my second, I’m going to wish for one billion dollars. With my third, I’m going to wish for another three more wishes. That way, I can go on forever! Child #4 felt smug for he thought he was brilliant. The first three friends thought he was a genius too. What can possibly be superior to a wish for an infinity of wishes? They were not quite prepared for the best answer of them all.

The answer from the fifth child. Here was what he said…. “If I have a wish, I am going to wish that I will be so content that I do not need any more wishes.”

Never again

Its my second time watching a movie from the first row, I am quite sure there won't be third time. It is really awful feeling of staring screen that close with sound system exploding your ear. Your eye will be busy catching the action here and there. You cannot adjust the seat and that you must hold your shoulder as straight as possible to watch. What a waste, I paid money to get myself suffer. Even worst is bringing some friend along to accompany me suffer. Oh, so embarrassing, never again.

A day with the parents.
This is my second time being a teacher meeting with the parents. Know what? Some scenario really make me don't know cry or laugh.

Scenario 1
This grandpa complain to me that his grandson just don't want to come to school and would rather sleep at home. So he ask me how to make him come to school? Haha....I am only a teacher, if family members also cannot make him come to school, can teachers?

Scenario 2
This student score almost all E in his exam. I made a joke with his parents. If E stands for Excellence, then his child is awesome but too bad in Malaysia E stand for very weak. However, parents do understand their child's condition and hopefully he can change his behaviour.

Scenario 3
Here come another type of family that ask for money. Well, schools are not banks. Don't use your child to become money tree. Please la.

Scenario 4
Some parents that are too "democratic" that to let the child decide for themselves. They told me if their child willing to study, then it is good but if them didn't, it is no big deal also. Haha...Think it is no big deal for me as well. Haha.

Scenario 5
When I warn some parents of their child involve with some bad stuff, they actually show me some helpless look as well that they can do nothing to control their child.

And many more situation.....Think if parents cannot help their own child, can teachers? So before you decide to have a family and any children, please think clearly if you can raise them up properly. Don't just let them be as if it has nothing to do with you. Parents need to show concern and cooperate with teachers. I really hope these kids can have a better future tomorrow.