Scalp Trades Dated 10/11/2011

1. Scalp traded the following today :-

2. Again contra on PCHEM-CB. :) Bought in more ARREIT today at 0.86, hoping for an impending DPU. :) Bought in BIMB-CA on 2 different batches, average at 0.1575, hope can dispose them tomorrow.

3. Dow Jones should be back to green tonight hopefully after a big fall of almost 400 points yesterday. It been yo-yo in such a range for a long time since US debt crisis now the PIGS debt issue. Think the market still have a long way to recovery. :( Good luck all.

4. I might be less blogging in the coming months as i will be very busy with my work schedule. Will try to blog over the weekend if possible.

Scalp Trades Dated 8/11/2011

1. Scalp traded the following today :-

2. Try to sell Pchem-cb at 0.085c but unable to do so. Have no choice but to sell at lower bit at 0.08c. Nevertheless still make half a cent. Just want to be safe by selling all my holding, not sure how the market will fair tomorrow.

3. Dow Jones started off with green. Hope for the better tomorrow. Good Luck guy.



财女风情:怎样才算富有？

如果我们不依据理智之光，而追随他人设定的方式来生活，对我们将尤其有害！

财富的单位是什么？传统意义上财富的单位是不是货币？还是金钱？

所以什么才算是真正的富人呢？几百万的车？上千万的豪宅？

一个最普遍的定义是否就是“不用工作”？

有些人从现在开始停止工作，可能只能生存一个月，他的“富有”程度就是一个月；有些人从现在开始停止工作，可以生存一年，他的“富有”程度就是一年；有些人只能生活三天，那么他的“富有”程度就是三天。

为钱工作不算富

实际上，如果这就是“富有”的定义，那么我们多数人都不能算是“富有”，因为我们都还需要为了钱而工作，除非我们到了55岁，因为到了这个岁数，几乎每个人都已经退休，不用再工作，因此“富有”肯定不会像是什么特别的事情。

此外，我们到了55岁有可能退休不是因为我们已经辛辛苦苦攒够了钱，而是我们到了法定退休年龄。

因此，如果“不用工作”不是富有的最佳定义，那最佳定义又是什么呢？

我曾遇到几个家庭，他们看上去都是很有钱的样子：开豪华轿车、住豪宅、穿高级时装，但是他们都感觉自己离财务危机不远了。

没债务属富足

因为他们的豪华轿车、房子全是用抵押贷款买的，信用卡也用到了极限。

这些人虽然收入不菲，钱却是花光用光，甚至还欠债。

我心目中的富有，或者至少感觉富有，是没有债务、没有抵押贷款或是透支，并且能够对收到的所有账单都立即回付。

这个标准似乎低了一点，但如果每个人都做到了这些，我们的社会就称得上是“富足”了，世界也会成为一个快乐得多的地方。

控制财务 不须操心

这也是为什么我认为财富就是一种财务控制观念、不用为钱操心的一个重要表现。这并不意味着你能随意购买你想要的所有东西、也不意味着你明天就能辞职回家，但至少你不用在晚上为下月的帐单发愁得睡不着觉。

当然，有些家庭挥霍无度地过上好几年都不会出现问题，他们有时甚至还误以为家庭财务状况在自己的掌控之下。

只有当出现重大的财务危机时，问题才会暴露出来。

问问自己这样的问题：在没有收入来源的情况下，你还能维持多长时间的生活，直到你还不起房贷和车贷、大量透支信用卡、或是开始动用退休帐户，如果你能坚持12个月，我认为你的财务状况控制得不错；如果你无法熬过一年，恐怕你就该辗转难眠了。

三维阐释财富

如果你依据自然本性的需求来生活，将永远都不会贫穷；如果你依据他人的想法来生活，将永远都不会富有。

如果我们不依据理智之光，而追随他人设定的方式来生活，对我们将尤其有害！

富有与否并不是以收入来衡量的，也不是以你的财产来衡量的！如果要弄清楚“财富”的真正含义，那就要从三个维度来阐释“财富”。

财富的新定义是这样的：当你停止一切工作的时候，你之前所创造所拥有的一切，能够支付或者维持你来过一种高品质生活的时间的长度。

那就是财富的单位已经改变了，它是时间的长度，但是它不是一般的时间，是能维持你支付你高品质生活的时间。

从“宽度”或者说是空间的维度来看，财富是指一个人拥有的能够实现自身愿望的能力或者是广度，用质量来衡量。

健康的身体、亲密的家庭关系、亲密的亲子关系、纯真而长久的友谊、不间断的自我提升、宁静的生活、享受空气和阳光、充分的休息，这都是构成生活质量的基本要素。

从“高度”或者说是速度来说，财富是指一个人拥有的使自身保值增值的能力，也就是财富增长的速度。

信念决定生活态度

一个现在就拥有较多金钱的人，如果不会投资理财，财富保值增值不利，无异于逐年坐吃山空，自然谈不上真正拥有财富；如果他投资有道、增值有力，那他就是财富的真正主人。

在相同的环境里我们却看到贫穷和富裕在哪里都是如影随形的，并且经常都在同样的状况下出现的。

当两个人都处在同样的位置，有着同样的业务，两个人却有截然不同的结果：一个人富有，而另一个人却贫穷。这就表明财富首先不是由外界环境决定的。

一些优越的外界环境可能会更有利于人们致富，但是当两个人都处在同样的境地，有着同样的业务，一人富裕而另一个人却贫穷，这就表明，致富的关键是由做事的特定路径决定的。

因为金钱财富代表一种特定的生活态度，同时也是某种特定思想观念的一把尺。

究竟该选择哪一种，取决于我们的信念。

Scalp Trades Dated 4/11/2011

1. Scalp traded the following on 4/11/2011 :-

2. Sold all the CWs that bought on Thursday. Bought in PCHEM-CB again, at that point of time it is trading on a -ve premium, quite a good price to enter at 0.075c i would said. Next Monday is a holiday, overall Dow Jones do not fair very badly yesterday eventhough the Euro financial crisis has yet to have a concrete settlement but any form of crisis will eventually ended and overcome if sufficient time is given. Let's hope for the best.

3. If next Monday Dow Jones up surge to green zone then KLSE would likely to be stable on Tuesday. I do hope the worst is over and we will gear up to usher a fresh new year with hope that KLCI continue to prosper. Good luck.

Scalp Trades Dated 3/11/2011

1. Scalp traded the following today :-

2. Shopping spree today. Hope tomorrow rebounce back. Bought in more Arreit today, expect to declare DPU soon.

3. I hope Dow Jones in green mode tonight. :) Good luck guy.

Scalp Trades Dated 31/10/2011

1. Scalp traded the following today :-

2. Bought in ARREIT today. Likely to announce DPU next month.

3. Dow Jones in red now :( Might have a bumpy ride tomorrow.

Scalp Trades Dated 28/10/2011

1. Scalp traded the following on 28/10/2011 :-

2. Next week market would likely to continue it uptrend hopefully. Dow Jones stabilized and creep through to +ve zone. :) Next week will start all fresh new month, hope that everyone continue to make profit. :)

3. Just stick to profit making and high dividend yielding stocks, even if it thunder storm we have no worries. Just imagine, if you over expose yourself in speculative stocks, you are asking for trouble yourself. If rain and thunder strike just when you got in big time, then you got yourself to blame. Be very careful when dealing with stock market, make sure you know what you are doing. May the best price be yours and Good Luck. Have a good whole of next week of trading.



财女风情:钱包的秘密

钱包，能说出你的秘密。每个钱包都讲述着主人的人生历程。

犹太经典《塔木德》中说：“最长的路，是从心灵通往钱包的那条路。”

因为钱包代表的不仅是财富，还代表着人生价值，也标示了他在社会这个庞大的价值市场中所处的位置。

为什么只凭观察钱包，就可以断言你的财务状况呢？因为钱包是一个人与钱接触时最贴身的媒介。

要了解一个人对金钱的态度，最准确的方式就是观察他使用的钱包透露出来的讯息。

一个人平常对金钱的观念，会不知不觉表现在钱包的使用态度上。花钱的观念如果错误，钱包就存不到钱。

现在打开你的钱包，就可以看出未来你成为有钱人的可能性。

你的钱包是将钱按照大小顺序、整整齐齐叠好、小心地放在钱包里的吗？

还是胡乱地，连你自己都记不清有多少数额地塞在里面？

或者，钱都干脆不塞进钱包，而是随便地揉进裤衣袋里呢？

还是钱包里“穷”得只剩下各式各样面额不同、功能不同的信用卡？

有些人的钱包除了钱以外，钱包里最多的就是优惠券、健身中心会员卡、积分卡和打折卡，被主人精心地一格格放在不同的位置种类之繁多，令人大开眼界。

又或者你平时从来都不打理钱包，觉得钱包就是用来放东西的工具，想到往钱包里塞什么东西，就塞什么。钱包里除了钱，最多的是层层叠叠各种各样的收据和发票，占领钱包大半江山。

有些人的钱包，里面可谓包罗万象，硬币、一叠大额钞票、被挤压变形的零钞、收据、信用卡单据、与爱人的大头照以及五彩缤纷的打折券。

现在，请告诉我你的钱包里装的是什么？

为什么钱包总空空？

许多人都有这样一个疑问，我赚钱了，可是总是不够花，从来都缺钱。

我想旅游，没钱！我想吃顿高档自助餐，没钱！我想买房子买车，没钱！

一个月工资从来都是吃饭+房子+还信用卡+买生活用品+社交，然后钱就好像长了翅膀似的，不知不觉的从钱包里轻轻飞走，到月底还要苦苦计算还有几天发工资。

为什么钱包总空空？

答案是：因为你没有尊守钱包运用的规则。

钱包怎么会有使用规则？“钱包规则”是个什么东西，用钱包也有自己的规则吗？用什么规则这么厉害，只要遵守它就能当上有钱人？

想一想，你是不是经常钱不够用？而且这种生活一直都在持续？

你可以反过来想一下，为什么很多人明明有稳定的工作，而且工作起来也是很努力的，可是每天都觉得自己的经济状况捉襟见肘，而且总感觉被贫穷压得喘不过气来呢？

那是因为，你赚的比花的少。

你是不是每次“发现想吃的东西时就会用钱、发现想买的东西时就会用钱”？

过度消费

那么你的钱包并不是由你的意志所支配的，而是由你面临的各种状况临时支配的。

也就是说，真正支配你钱包的并不是你自己，而是围绕着你出现的各种‘状况’。既然是拿着一个不属于自己的钱包，那这个人怎么可能成为有钱人呢？

导致人们不能富裕、对未来缺乏安全感的主要原因就是过度消费，如果你总是花的钱比挣的钱多，你将永远不能摆脱负债，于是你从每个月20号就开始紧张、焦虑，最后将导致你变成穷人甚至一无所有。

只有你自己可以支配你的钱包里的钱，钱包里的钱不会自己变多。这是个绝对的真理，是在利用金钱支配关系的时候不可避免要考虑的一个问题。你的收入还是不变的，有限的，一切都会因你选择如何花费你的钱而不同。

理财态度决定钱包厚度

心态决定我们的生活，有什么样的心态，就有什么样的未来。

财富殿堂是一个巨大的迷宫，它对任何人都是公平地敞开，但能否走出迷宫开启财富大门则要看各自的造化。

为什么有人历经山重水复仍无路可走，而有人却跋山涉水后抱得财富满载而归？答案只有一个，那就是你的思路和态度决定是否能找到那条通往财富殿堂的路。

如果你也想成为有钱人，那就换一种思路，换一种生活方式吧。

管好钱

从现在开始改变你使用钱包的习惯，关心自己每天的收支状况，管好钱，也是一种赚钱之道，一种可以让财富增值的聪明、轻松的做法。

把努力赚钱的精力分一部分给轻松管钱和快乐生活，财富和幸福生活会离你越来越近。

小贴士

3规则

●第一条，让钱从钱包里流出去时要三思，把钱放进钱包时则一秒都不要犹豫。

●第二条，买的不是物品，而是价值。不论是多好的东西，如果不符合你的价值标准，那你就连一分钱也不要支付。

●第三条，如果最终你无法收回付出的代价，那你干脆就不要打开钱包。

Scalp Trades Dated 27/10/2011

1. Scalp traded the following today :-

2. Hope tonight Dow Jones rock !!

3. Not a bad Deepavali, all green. Good Luck. !!

Scalp Trades Dated 24/10/2011

1. Scalp traded the following today :-

2. Sold my Pchem-cb and make small profit for the third round. :)

3. I almost reaching my next target of 5K profit this month. Couple with my salary, i earned double income every month, in fact quite consistently this year. :) I guess probably this year overall market is good, that is why everyone practically is making money it seem. :) I just wish that everyone continue to make money. All happy then we will have a happy year ending. :)

4. I am seriously considering turning myself to full time trader just like hng, but turning to fulltime is quite a hard decision to make as you will first lose your consistent and steady salary income and the monthly profit that generated from the share market has to at least cover my existing salary else it is hard for me to fulfill my commitments. That would mean i need to double my effort to at least make 15K a month from share trading. Achieving this is not an impossible mission, i just need to triple up my investment capital then i will be able to achieve my mission 'maybe'. Certainly, this is a serious matter to look for.......till then Good Luck.!!

财女风情：做投资市场的赢家

成功的投资应该是不带感情的。对任何投资品，你既不能恨它，也不能爱它。

只有当心胸和智慧宽广到能平静地否定自己的习惯思维，并冷静地思索未来，你才会发现沙石堆里的珍珠。

人们总会自觉不自觉地把成功的投资归功于自己的才智、努力和对投资对象的判断能力，却忘记了时代发展和趋势的作用。

人们还会自觉不自觉地把失败的投资归咎于制度缺陷、投资对象本身的问题以及时机的不合适，却忘记了自己的恐惧、贪婪和无知。

投资理财和工作生活的很多事情一样，有三层境界：

第一层是”看山是山，看水是水”。

刚开始投资时，只要看到书上、电视里说的，或是朋友推荐的，就迫不及待、想当然地加入，稀里糊涂地赚钱，也稀里糊涂地亏钱。

第二层是”看山不是山，看水不是水”。

当受过伤、上过当后，发现原来很多东西不是宣传品上所说的那样，于是学乖了，凡事都带着怀疑审视的态度，无论风险还是机会一概排斥。

第三层是”看山还是山，看水还是水”。

在经历过第二层的人当中，只有少数人能升到第三层，这时会发现原来本质的东西就是最简单的一些道理，有些看似复杂的问题，其实判断起来很简单。

恐惧（fear）及贪婪（greed）都是人性的弱点，一旦意识到这两种情绪出现时，我们就要告诉自己：你想的跟做的要不一样（try to be have differently）。

拉长观察期

记得提醒自己：如果把整个投资的观察期拉长到3-5年来看，未来情况会变的很不一样的。

因此，做任何决定，都要冷静。在市场波动变大的时候，应该对“价格”这件事更注意，就像一般生活消费一样，在商品价格低的时候，多买一点，当价格高的时候，就要少买点。

股价低的时候，可以多建立一点部位，价格高的时候，千万不要一古脑只想着赚钱就追高，而是要想着如何避开风险。

从理性看，人都希望找到各种机会能买到低价的股票，且把股票卖在最高点，大家都知道这是赚钱的原则。

但就像之前说的，这些原则其实跟真实的人性不合，因为当市场上涨的时候，大家发现身边的人赚钱好容易，很想跟着买，如此就容易买到高点，相反的，当市场跌的时候，不论是新闻或者很多说法都是负面的，又让大家很难在价格下跌时买进。

时间是最大成本

现在投资的难度越来越高，这无关乎你是否资讯丰富或够勤奋，反而与你的投资时间长短有关。

如果你还想只投资三、五个星期，或三、五个月，那就太注意短线了。

这样，你容易变得十分情绪化，动不动就“天啊！今天发生什么事？”，就会急着杀进杀出。

你不是被贪婪或恐惧淹没，就是在情绪转换间摆荡得筋疲力竭。

但永远别忘了，长期持有的风险比想象的大，时间是最大的成本。长期持有必须牢牢建筑在好股、好价的基础之上。

长期持有的理念不是要我们更坚定，而是要我们更严格地挑选公司。

不可否认，贪婪是人性的一大弱点，市场上总是不乏追求短期暴利的投资者。

没有人能单凭复杂的模型软件、灵通的消息成为赢利高手，最赚钱的人一定是最有大思路的人。

人因盲从而动摇，因思考而坚定。

Scalp Trades Dated 19/10/2011

1. Scalp traded the following today :-

2. Sold more Lonbisc and bought Pchem-cb again at 0.06c.

3. Dow Jones flat. Hope KLSE can continue its momentum tomorrow.

Scalp Trades Dated 18/10/2011

1. Scalp traded the following today :-

2. Market down 25 points  :(. However still manage to pull some profit from Lonbisc and Pchem-cb. Merely luck ?

3. Just pray that tonight Dow Jones in bull charging again, then we will be all smile again. :) Good luck.

4. You all may have noticed that my sharing is short lately, i am just too busy to go for in depth study and hardly have time to do so, ever since i engage in day trading on CWs BUT my fundamental never change, i am still keeping all my high dividend yielding stocks and earning dividend almost on a monthly basis. Nevertheless, this kind of stocks is ever green to me, the longer you keep them the better it is in term of percentage yield.

Scalp Trades Dated 17/10/2011

1. Scalp traded the following today :-

2. Bought Lonbisc on 2 batches, thought of riding on the momentum, now stuck. :( Managed to take profit on Pchem-cb but on a relatively small amount of profit. :) That show that, i excel better in CW than normal shares :p

3. Dow Jones in red now, might have impact to KLSE tomorrow? Good luck guy.

财女风情：理财是种生活方式

每天花10分钟看看当天的共同基金、股汇债市的动态，甚至是房地产的租金行情，一个月加起来也不过5个小时的时间。

在今天这样一个市场经济社会中，在全球经济都在日益货币化、资本化、证券化的背景下，下面这些道理，在大多数情况下都是成立的。

第一，你所拥有的金钱与财富的多少，和你的自由、幸福、尊严的程度，有相当大的关系。

第二，作为一个个体，应该把创造富裕、富足的生活，作为自己的基本责任。

第三，要富足，就不能不理财，也就是从财务角度规划和实施一生的收与支。

那么，你是否已经像每天运动和一日三餐那样，把理财带入生活了呢？你有权利选择一种不理财的生活，但我希望，那是你在真正了解了理财的观念和理财的市场之后的选择。

也就是说，你是负责地作出了决策。

 

努力赚钱vs努力管钱

到了现代社会，金钱的重要性更是不言而喻。

自然人们对待金钱的态度不仅是理性消费，更要注重理性投资。

所谓理财，简单说来就是以最低的成本筹集资金、以最低的风险取得最大的收益。

决定成为富人和穷人的分水岭就是对投资和理财的重视与掌握的过程。

 

投资理财增值

在这个不确定性很强的时代，如果你还以为一生埋头工作、把钱存起来是最好的选择，那你会发现自己的钱越来越少，和富人的距离越来越大。

最后你只能沦为大多数穷人之一。

因此你别无选择，你只有让钱“发光”，让钱“奔跑”，而不要让钱“发霉”，不要让钱躺在抽屉或银行“睡大觉”。

投资和理财就能为你的财富能增值。对于个人而言，要想致富，就一定要敢于投资，勤于理财！

因为只有透过投资和理财，你才有机会在你的人生中，看到你的钱不断地在复制中，像雪球那样越滚越大！否则，你的“雪球”（积蓄）就会很快变小，溶化。虽然通货膨胀看不见，但它会慢慢使你的资产贬值，在不知不觉中“偷走”你的财富。

世界上的富豪几乎都是藉由投资和理财实现财富的倍增，跨入少数的富人行列。

像比尔盖茨、李嘉诚、华伦巴菲特、乔治索罗斯等，不管他们是经营实业，还是证券交易，都是循着投资和理财的途径实现自己财富梦想。

 

掌握知识技巧

由此可见：你理财，财才理你。

投资和理财是财富有效保值增值的重要手段，是开创个人财富人生的必经之路。

但是不管是谁，也不管是国家经济情况如何，要想在投资和理财的过程中长久立于不败之地，仅凭个人兴趣、爱好或强烈的致富愿望是不够的，还必须掌握一定的知识与技巧。

 

每天10分钟 人生大不同

因此，想管理自己的金钱，必须同时学会如何善用你的时间。如果你每天至少愿意多花10分钟来记账投资，日积月累下来，收获一定会比别人多。

每天十分钟，用简单的记账法，好好思考今天的金钱流向，甚至花10分钟看看当天的共同基金、股汇债市的动态、看看自己的房屋贷款利率，甚至是房地产的租金行情，一个月加起来也不过5个小时的时间。

不过，有很多人对别人很大方，但却对自己很吝啬，每天都把时间给了别人，或者只是放任虚掷。

我们常常会让自己深陷在一种牺牲者的角色里，做出妥协。结果，转眼之间，大半生就这么虚耗掉了。许多人不能过自己想要的生活，大多是因为没有把自己的财务状况处理好。

如果你对自己当下的生活状态不甚满足，甚至到了绝望需要拯救的时刻了！

 

少抱怨多行动

那么，此刻最好的疗伤医生就是你自己了。任何人都可以过自己想过的生活，而关键在于只有你能帮自己做决定。

因此，现在的你，请少些抱怨，多些思考与行动，过你想要的生活并非什么难事！

其实，理财不应是一时冲动，而是一个中长期规划，就像习惯爱一个人一样，需要马拉松竞赛的耐力而非百米冲刺的爆发力。投资理财没有什么复杂的技巧，最重要的是认定一个目标，然后长期坚持不懈。每一个理财致富的人，只不过是养成了“一般人都知道，但没有坚持去做”的习惯而已。

如果不想被束缚去做自己不喜欢的事，最好的办法就是让自己“不差钱”。

想要不差钱，就要学会理财，就要从现在开始拿起理财的武器，通过对收入、消费、存储、投资以及财富心态的学习和掌握，合理安排自己的收入、完成财富的积累，为轻松、自在、

无忧的人生打下坚实的基础！

Scalp Trades Dated 12/10/2011

1. Scalp traded the following today :-

2. Hit and run for AIRASIA-CJ. :) Market set to go higher tomorrow if Dow Jones continue to sustain tonight.

3. GAB just declared 44sen dividend. :)

4. With above trades today, it already way surpassed my monthly target. So, i am now just trying to encroach my next level of RM5,000.00 target. In which, i think it is still relevant to achieve that within this month judging the good sentiment of market so far. Till then, all the best to you and Good Luck. :)

Buying A Car ...

I did a test drive of the following cars recently :- :p

1) Toyata Vios

2) Perudua Alza

3) Mazda 2

4) Puegeot 207

5) Kia Forte

Of all the above, Vios & Peugeot give the best feeling to me while test driving. Will consider buying one of them. :)

Scalp Trades Dated 6/10/2011

1. Scalp traded the following today :-

2. Starting to buy CWs again but be very cautious else will be lossing big time.

3. KLSE volume need to be huge to continue uptrend. Hope tonight Dow Jones can keep up the momentum. :) Good Luck guy.

Scalp Trades Dated 5/10/2011

1. Scalp traded the following today :-

2. Last month was bad, did not meet my monthly target of RM2000.00. Short by RM100 to my target. :( Nevertheless, still happy to make money even in such bad sentiment.

3. Hard to predict market direction nowaday. I still very cautious eventhough market surge 14+ points today. Anytime the market can just make a u-turn without you even noticed it. Good Luck pal.

财女风情:现金往哪流？

什么是有钱人？有钱人是指存款簿里有一百万？一千万？还是一亿呢？或者名下要有几栋房子？几栋豪宅？几辆豪华跑车？还是几张高尔夫球场的贵宾证呢？

在我个人的认知里，有钱人只需要满足三个条件：第一，口袋里保有现金；第二，这些现金要足够买到他人生中梦想的东西；第三，要确保现金流量永远不中断。

一个懂得理财的人，会谨慎的使用口袋里的每一笔钱。

如果口袋里的现金，目前买不到他梦想中的东西，他就必须想方设法把钱变大，同时是在不亏钱的状况下把钱养大。

不断增值

这一个将现金放到投资理财标的中，暂时忍受有一段时间现金不在口袋里的日子，目的则是为了圆满梦想，为了确保将来现金流量更大，这一个过程，其实就叫做理财。

我们知道，理财就是选择资产项目的现金流，增值不断，使人们自由地过上梦想中的生活，而不必整天为了生计忙碌。

而90%的人都在财务上挣扎的原因就是，现金总是在流向其他人或物──流向那10%知道游戏名字的人。90%的人越努力工作，挣越多钱，流向这10%的人的现金就越多。

那么，究竟什么是现金流呢？

现金流其实就是现金流入和流出。现金流不同于总收入。

现金流是指你在一定时间之内留下多少钱，总收入指你在一定的时间内，得到了多少钱，总收入减去总支出才叫现金流。

现金流如同一个湖中流入部分的水和流出部分的水之间的差额，如果流入部分一直大于流出部分，这个湖不会干涸；如果流出部分大于流入部分，这个湖将来将会变为死湖。

所有的经济行为都有现金流，大到一个企业，小到个人；现金流揭示了企业和个人财富“健康”与“疾病”的奥秘，现金流为正值时（Positivecashflow），是“健康”状态；当现金流为负值时（Negativecashflow），是“疾病”状态；现金流造成了穷富的区别。

理财态度决定穷富之分

理解了“现金流”，在股票投资上可以帮我们评估筛选股票，在地产投资上可以帮我们控制风险，在个人理财上可以帮我们渐入佳境。

用投资房地产做例子大家一定很容易了解：房屋投资者在展开一项地产投资前应该切实计算未来的现金流。

把合理租金收入扣掉所有的开支，包括还贷供款、地税、维修费等等，看看是每个月要垫钱，还是有钱进账？

这个问题之所以重要，是因为现金是任何投资的命脉，与偿付能力息息相关；需要现金而没有现金，即便长期有利可图的生意也要结束，即便长期会大大增值的房子也会被法拍。

现金流对个人财务的重要性不言而喻。与公司企业一样，正现金流则个人财务渐入佳境，负现金流则财务渐渐吃紧。我们当然应尽量避免负现金流，但如果不幸出现负现金流，也要看看为什么？

如果是因为供房子而有开支，那么至少不是坏事；消费多于收入的惯性负现金流则是一个坐吃山空的危险，那就是坏事。

生活离不开钱

个人理财有很多花拳绣腿的理论，这是少数的硬道理之一：只要保持正现金流，个人财务状况就只会进步不会退步。

现金流就像是身体里的血液，一旦停止了，我们短期内会面临周转不灵的困境。现金流在我们还在工作时，主要是由薪水收入、兼职收入所组成。当我们工作时间一长有了储蓄以后，再拿去投资然后有了被动收入。

财富是人类永恒的追求。如果说谁不爱钱，恐怕难免有虚伪之嫌，生活中又有谁能离开钱？尽管人们对待金钱的态度相同，世界上还是有富人和穷人之分。

同样两个人，也许他们曾经一起玩游戏，一起学习知识，一起接受教育，不论是学习还是游戏，他们的水平都相当，甚至在学业结束之后的很长一段时间里，也没有其中一个人比另一个人更出类拔萃。

可是，随着时间的推移，其中一个人赚来的钱还能够再生钱，而另一个人赚来的钱仅仅是能够糊口。这是为什么呢？

那就是现金流的管理。

小贴士:财务自由

关于处理现金流，第一个环节是弄清楚现金流的源泉，是属于经常性的月度节余、一次性的年终奖或投资收益。

第二个环节是扩大现金流，尤其是针对高收入、高消费一族，把一些弹性的需求减少便有较大的节余。

第三是善用现金流，选择适合的投资方法，如月度盈余充裕的人可以选择定额定投的投资方法，这也是富爸爸所提倡的理财哲学：让钱为我们服务，进而达到财务自由。

罗凤琴 ■金融系硕士/合格财务规划师/认证财务规划师/益资利投资银行经纪

Scalp Trades Dated 27/9/2011

1. Scalp traded below today :-

2. Taking the technical rebound opportunity and sold off the above. :) Hope more rebound is set in the next few days. :)

3. Luckily, my portfolio is still holding well dispite the big fall the last few days.



Scalp Trades Dated 22/9/2011

1. Scalp traded the following today :-

2. I guess the above will be my last buying trades. Will temporary stop buying as market is heading south...... badly. :(

3. Dow Jones drop more than 300+ tonight :(, tomorrow we are going to have another red day, might be a real bad one i think. :( Hold on to your finger and control your emotion by not clicking the "BUY" button for time being. Good luck.



Scalp Trades Dated 21/9/2011

1. Scalp traded the following today :-

2. Guy, better stay out all CWs for time being, market just not right for this kind of trading anymore. Preserve your capital for the right time.

3. I go for a more conservative approach. :)

4. BJTOTO declared 8sen dividend with higher profit than its correspondance quarter result. :) Good news for BJTOTO holders i think, finally it back on track in maintaining the same payout of dividend. Good luck all.



Scalp Trades Dated 20/9/2011

1. Scalp traded the following today :-

2. Hard to make money. :( Congrat to hng, still going strong. :)

3. Greece, Italy and more to come ? All having problem. :(

4. Dow Jones also not doing well. :( Bursa is heading down. :(

5. Stay sideline better.

6. Maybe can consider put warrant like below. Good Luck all.

Scalp Trades Dated 14/9/2011

1. Scalp traded the following today :-

2. I traded the same SUNREIT on 13/9/2011, the above is my second round. :)

3. Market dip another 10 points down today. I think there are more to come in the coming days. :( Precautious cyber friend, there maybe rough road ahead. :(

Big debut for Gas M’sia

Best time to go for IPO since market just like death fish. !! I will be going for this IPO giving an indicative IPO price of RM2.50.

PETALING JAYA: MMC Corp Bhd's subsidiary Gas Malaysia Sdn Bhd could debut on Bursa Malaysia in a very substantial initial public offering (IPO) this year.

Analysts said Gas Malaysia's IPO could raise anywhere from RM650mil to RM750mil, making it one of the largest IPOs of the year.

Reuters quoted sources with direct knowledge of the IPO as saying MMC was looking to raise up to RM750mil from the listing of Gas Malaysia. The newswire said MMC was looking to float about 333.8 million shares, which priced the IPO shares indicatively at about RM2.50 per share.

“The IPO is likely to garner attention of large institutional investors given its size and dominant position in the gas industry. There's also a sheer diversity of companies being listed this year, which gives investors a better choice to diversify their portfolios,” an analyst said.

However, analysts said the impact of Gas Malaysia's listing on MMC would depend on the IPO price and funds raised.

OSK Research said while the demand for gas remained strong despite a potential global slowdown, the cut in its margins after gas was repriced effective June 1 meant that Gas Malaysia's costs would be lower going forward.

“This IPO is a defensive stock as it is meant to free up cash for MMC. Our fair value would only be raised if an IPO price of RM1.06 per share is exceeded during the book building. For now, we tweak our forecasts down but keep our sum of parts fair value intact at RM3.58,” the research house said.

“While the institutional price has yet to be decided by the book-building exercise, we have a discounted cashflow value of RM1.36bil for Gas Malaysia, or an indicative price of RM1.06 per Gas Malaysia share,” it said, adding that MMC would strive to secure a better pricing in its IPO.

At this valuation, MMC would raise RM147.9mil from its 10.87% stake sale, OSK said.

“If MMC does secures at least this valuation for Gas Malaysia, it will be neutral to our sum of parts fair value for MMC as the cash raised will just offset the drop in effective stake from 41.8% to 30.9%,” OSK said.

“After the recent selldown on global uncertainties, MMC looks very attractive and the IPO announcement should serve as a positive catalyst,” it added.

On Tuesday, MMC, together with the other shareholders of Gas Malaysia, proposed to list the latter in an exercise that is due for completion by the fourth quarter of this year.

MMC-Shapadu (Holdings) Sdn Bhd has a 55% stake in Gas Malaysia, Tokyo Gas-Mitsui & Co (Holdings) Sdn Bhd has 25% and Petronas Gas Bhd 20%.

MMC told Bursa Malaysia yesterday that the listing would involve the sub-division of one existing Gas Malaysia share of RM1,000 each into 2,000 shares of 50 sen each, increasing the paid-up capital from 642,000 shares to 1.284 billion shares.

MMC said Gas Malaysia would issue to Petroliam Nasional Bhd one special rights redeemable preference share at an issue price of 50 sen.

The shareholders comprising MMC-Shapadu, Tokyo Gas-Mitsui and Petronas Gas would then offer for sale 333.84 million Gas Malaysia shares or 26% of the paid-up capital of Gas Malaysia. There would not be any issue of new Gas Malaysia shares.

The conglomerate said 147.678 million shares or 11.5% would be offered to bumiputra institutional and selected investors and 155.820 million shares or 12.14% to Malaysian institutional and selected investors.

The price to be paid by institutional investors pursuant to the offering was to be determined on a date by way of a bookbuilding exercise, MMC said.

Under the retail offering, the vendors proposed to offer 30.342 million shares (2.36% of the issued and paid-up capital), of which 25.68 million shares (2%) would be offered to Malaysian citizens, companies, co-operatives, societies and institutions.

MMC said based on the number of Gas Malaysia shares to be retained by MMC-Shapadu upon completion of the proposed IPO, its interest would be diluted from 41.80% to 30.93%.

Analysts said the stock could attract institutional investors' interest to any flotation of Gas Malaysia given its steady business, positive cashflow and protected margins.



财女风情：三万人生

I like this article, enjoy reading all cyber friend......

这三万人生并不是说你的人生，只有或只值三万块钱。


而是你我的一生，如果没有太大的意外，都会有三个一万天，加起来总共三万天。

第一个一万天：从出生到27.4岁

首要任务 创造财富：为钱工作；用时间换钱。

这是成长、求学的阶段，追求的不只是外型的茁壮，更重要的可能是知识的增长、技能的学习；是完成学业后的单身阶段。

一人吃全家饱，生活压力不大，年轻人因为手头宽松，成为各种名牌商品主力消费群，这个阶段许多人过得无忧无虑、花钱没有节制。

这个阶段是人生理财黄金期，错过损失重大。

第二个一万天：27.4岁到54.8岁

首要任务 保存财富：让钱为你工作；用钱换时间。

这是就业、累积职场经验、是家庭建立及储存财富阶段。

需求与责任逐渐加重，首先是结婚、购屋、接下来要迎接新生命，有些人甚至还要负担年长父母生活，同时扛着老中青三代的重担，我们称这个阶段为“三明治夹心族”，大部分人，

会经历这个财务负担最沉重的阶段。

很多人在这个阶段感觉财务吃紧、入不敷出；但即使如此，还是不能只顾眼前不想未来，这段时间要重视细水长流的财富累积效果（或说准备累积退休资源阶段）。

第三个一万天：54.9岁到82.2岁

首要任务 分配财富：为你的钱赋予意义；为后来人树立榜样。

这或是人生的终点，责任慢慢卸下。

房贷、子女照顾与教育费陆续完成，对父母的奉养逐步告一个段落，这是大量累积财富、退休、养老阶段。

如果有充足退休金就可以轻松享受生活，但随着年纪逐渐增加，越到晚年医疗问题、老年生活照顾等，将成为这个阶段的主要花费。

即使退休初期生活费用不高，但支出却可能逐渐大幅成长，这些费用要预做准备才不致成为子女负担。

存有余补不足

了解三个一万天，人生的三大不同阶段，你首先想到什么？对你有什么启发？

其实，不同人生阶段有不同的需求与花费，对大多数人来说，人生的本质就在让收入与支出曲线能够“存有余补不足”。

很多人常犯的一个毛病就是只会问“我一个月的薪水有多少？今年总共花费了多少钱？”却从来没有想过未来的人生一共需要花多少钱，我现在还差多少钱？

大部分的人觉得钱当然是越多越好。

请注意，钱不是“越多越好”，因为要获取金钱，需要你用时间、精力、自由等宝贵的生命资源来换取。

所以在估计这数目时，你得把自己需要付出的代价也考虑进去。

规划生活写完美人生

中国人有句祝福话：“五子登科”，形容圆满人生写照。现代五子的寓意指的是妻子、儿子、车子、房子、银子，这五子确实把人生各阶段需求一语道尽。

人生的挑战或限制之一，就是不同阶段的收入不同，有两个阶段没有收入，而支出虽高低有所不同，却每天都存在；成长期没有收入，我们可以倚靠父母，在退休阶段，过去是养儿防

老，现在或是未来的老人，恐怕绝大部分得靠自己。

假设不考虑利息及时间价值因素。你在第二个一万天每天存一令吉，存了一万令吉，那你第三个一万天，每天只能花一令吉；你在第二个一万天每天存100令吉，存了100万令吉，那

你在第三个一万天，每天能花100令吉，日子过得还可以。

期待奇迹

这样的人生现实，许多人恐怕无法接受，甚至心存侥幸，或期待奇迹事会出现。

但从我们周边的长者身上，我们可以深刻体认；他们现在过什么样的生活，并不是今天决定的，而是由他们年轻时的所作所为左右。

我们都要想清楚第三个一万天要过怎样的生活，在第二个一万天做好安排，累积必要的财富。

当然，第二个一万天在职场上的表现，端赖你在第一个一万天学到的技能及知识，以及更重要的态度及性格，扎根的工作是不容忽视的。更重要的是要有管理自己财富的能力，而学习

这种能力当然是越早开始越好。

人的一生也只是不到三万天的时间，要想拥有一个成功完美的人生就要懂得如何好好规划自己的生活！

罗凤琴 ■金融系硕士 合格财务规划师 认证财务规划师 益资利投资银行经纪

Scalp Trades Dated 12/9/2011

1. Scalp traded the following today :-

2. Sold Malton with slim profit. Bought in Sunreit.

3. Dow Jone down further. :( Tomorrow will be another bad day ?

Scalp Trades Dated 9/9/2011

1. Scalp traded on 9/9/2011 :-

MALTON - in 0.57, out 0.575

2. Look at the picture above, Malton has an impressive earnings the last 2 quarters despite the recent dilution of shares by another 20%. If this kind of earning continue to be maintained in the future, Malton could be very impulsive in time to come. Worth keeping this counter into radar list. Having current closing price of 0.56, it only represent a 38% of 1.46 NTA. Consider attractive but keep closer look on its next Q result. This does not represent a buy call from me nevertheless, buy at your own risk.

3. Recently bought a 4 Dome DVR network recorder. Installing this gadget with the help of my brother. Took us whole day to get it fixed, of course the workmanship is inferior and not professionally done but it serve the purpose. :) LOL !!

4. I am waiting for an IPHONE5 !! I think i shall indulge myself a bit with the earnings from my share trading. This year surpass my previous year record where i am only aiming for 7% to 15% yearly income through dividend and long term investment. This year is a superb year for me ever since i adopted trading approach early this year. The figure is much much higher from my intial targeted income. :) 

5. Dow Jones recorded another -300 points down last Friday. We may have a turbulance on KLSE come this Monday, so be extra careful cyber friend and comrades. Till then Good Luck to all. 

Scalp Trades Dated 6/9/2011

1. Scalp traded the following today :-

2. Dow Jones bloodshed, get ready for another down turn in KLSE tomorrow. :(

Scalp Trades Dated 5/9/2011

1. Scalp traded the following today :-

2. Thanks hng for the Malton call.

3. Traded very small, don't dare to "Sai Lang" judging the weak sentiment of the entire market.

Scalp Trades Dated 3/9/2011

1. Scalp traded the following on Monday & Friday :-

SUNREIT - in 1.07, out 1.08
QCAPITAL - in 1.00, out 1.02

2. The global economy and the European sovereign debt crisis remains hazy. Will be cautious coming forward.

3. Good luck all.

Scalp Trades Dated 26/8/2011

1. Scalp traded the following today :-

Still keep laughing even in a down market. Making money just make simple as ABC. :)

2. hng, i follow your call bought into Malton today and scalp traded with it and make some quick profit. Thanks for the sharing and i benefited from it. :)

3. I just merely copy and paste hng's comment and some of the stock pick by him below. Admire his superb pick. Guy, this is all FOC from an unselfish sharing fulltime trader cum investor who make money consistently from share market, where to find such a good call else where ? Of course, only from "I DID IT MY WAY" and from a long comrade through years with us with good track record as shown in many posting previously.

Update portfolio stock result
1.KSL
Q2 EPS = 7.52sen
warrant oversubscribe at 20sen, success rate: about 65%
2. Malton
Q4 EPS = 7.7sen
3. Dominant
Q1 EPS = 3.6sen
first interim (1sen) + final (1sen) = stock trading cum 2sen TE
4. Aji
Q1 EPS= 12.48sen
F & F dividend= 20sen

5. MNRB
Q1 EPS = 20.2sen
F&F dividend: 20sen

Scalp Trades Dated 25/8/2011

1. Scalp traded the following today :-

2. Keep "Laughing All The Way To The Bank". :)

3. Good Luck !!

Scalp Trades Dated 24/8/2011

1. Scalp traded the following today :-

2. Not a bad day for me today eventhough market closed -13.22 down. :)

3. My scalp trades continue to bear fruits eventhough in such a market condition where by KLCI swing up to down considerably. Still continue laughing all the way to the bank !! :) Just like hng did as well.

Scalp Trades Dated From 22/8/2011 to 23/8/2011

1. Scalp traded from 22/8/2011 to 23/8/2011 :-

SUNREIT - in 1.08-1.09, out 1.09
SUNREIT - in 1.09, out 1.10
AFG-CD - in 0.175, out 0.18

2. Scalp traded a few round past 2 days. Not so bad after all, today market steady because of Dow Jones rebounded. Hope this can continue tomorrow. :) Good Luck guy.

3. Continue Laughing all the way to the bank. !!

Scalp Trades Dated From 16/8/2011 - 19/8/2011

1. Scalp traded from 16/8 to 19/8.

SUNREIT - in 1.09, out 1.10
SUNREIT - in 1.09, out 1.10
UMW-CD - in 0.13, out 0.135

2. Dow Jones in trouble again. :( Next week would likely having a tough time again, thunder storm may be ahead of us. Anyhow, hope for the best. Good luck all.

3. I might trade less from now onward. Hard to predict the movement of the market and also hard to make money as well. Staying with dividend stocks would be the best approach at this turbulent time.

Scalp Trades Dated 15/8/2011

1. Scalp traded below today :-

SUNREIT - sold RM1.09

2. Congrat hng. Non-stop making money huh !! :)

3. I adopt a different approach on CWs now. Hope it work ;p Dow Jones is green tonight, tomorrow should be another good day for KLSE. :) Good Luck guy. !!

4. GENSP result not impressive at all. :( Expect more selldown, hope can pick up more if it fall below 1.50. :)

Scalp Trades Dated 12/8/2011

1. Scalp traded on 12/8/2011 :-

AMFIRST - Sold RM1.15

2. Dow Jones green zone, hope tomorrow KLCI to go green as well. :)

Scalp Trades Dated 11/8/2011

1. Scalp traded below today :-

AMFIRST - in 1.13, out 1.15
AMFIRST - in again 1.13
SUNREIT - in 1.08 :( stuck. !!

2. I am back to same old days, concentrade on REITs now. It is safer at this moment of time. CWs is consider high risk at this juncture. Better stay out for now. Hard to make money now.

3. Tonight Dow Jones in green, hopefully tomorrow bursa can follow green as well. :) Good Luck all.

Received KENCANA-CF Cash Settlement Finally

1. No trading today.

2. Received my money from Kencana-CF finally. Prepare to strike tomorrow. :)

3. hng, i am still keeping my C. :( No choice, since i am a keeper so, keep till the cow come home. :(

4. Dow Jone plunge 3% now. :( Vomit back yesterday's gain. :( Tomorrow should be good for shopping. :)

5. Guy stay out all CWs now, punt all mother share that drop a lot. :) Good Luck.

Scalp Trades Dated 8/8/2011

1. Scalp traded today :-

AMFIRST - in 1.18, out 1.19 phew...just lucky to escape before the selldown.
AMFIRST - in again 1.15 :)

2. congrat hng and happluck, hng, you have shown your great trading skill even in such a selldown situation. :) Greate job friend. !

3. Tomorrow continue to selldown ? I am not sure, very much depend on tonight Dow Jones Index, hope we can go through this turbulent time. :) I am just lucky in this selldown as i am still waiting for my fund big chunk of it to return to my account on my KENCANA-CF. Good luck guy.

KSL

 

 

1. I am experimenting something on OSK's CWs and its underlying mother share. See if it happening every time, if so then chances of speculating their movement is possible and turn this to our advantage. :) Will reveal that once my study is complete.  It is very obvious they are manipulating the share in order to gain from expiring CWs. Not gentlement at all. :(

2. Nothing on my side, just simply blogging my cyber friend hng's finding and trades. His reasonable finding and picking of stock is worth taking a look. Good Luck all.

 

hng said...

Sold off all remaining keladi at 19.5sen and CYL at 58sen, realize all paper profit. Portfolio also increase further stake of KSL at RM 1.78 cum 5 sen dividend, average down holding cost. Portfolio still holding tight all KSL, entitle KSL-WR and in the midst to subscribe all upcoming KSL- WA at 20sen. I've personally visited KSL city mall last week, all its KSL resort and service apartment are progressing very fast and ahead of schedule, expect both block of atrium on KSL resort and service apartment, 4 story each adjoining current KSL-mall will be open by end of these year (assume to catch new year festive), follow by KSL resort and service apartment by early next year (assume to catch CNY festive). KSL also in the midst to construct its show house in gated and guarded high-end Bandar Bestari (GDV: 2.5b), Klang. Scheduled to ready for viewing by end of Sept and initial launched will be cluster 32x80 semi-D, price around 500-600k (phase 1 GDV: 230m). KSL should have no problem to chart another record to command at least 40% gross profit judging from its low land cost. These maiden project together with KSL resort will be major earning kicker for next year financial result.

No Trading

1. I have stop trading completely this few days. :( Still pending the money from KENCANA-CF, which likely will be issued sometime next week.

2. Mean while just watch and sideline. Market continue to slide. :(

3. Not sure it is the right time to go in, will continue to monitor until end of this week. :(

See How DRBHCOM and PCHEM Rebounded !!

1. This is truely obvious indeed. So, avoid OSK's CWs if possible. They will do it again somehow or rather.

2. Congat hng. !! Now is your turn to flex your muscle. :)

3. I have to be very alert and cautious on CWs now. Will trade less from now onward. Back to basic for time being. Good luck all.