Vodafone Huawei E172 @ RM488.00
Monday, November 24, 2008
The 2008 Christmas Carol
You'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town.
It's hitting you once,
It's hitting you twice
It doesn't care if you've been careful and wise
Recession is coming to town
It's worthless if you've got shares
It's worthless if you've got bonds
It's safe when you've got cash in hand
So keep cash for goodness sake, HEY
You'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town!
Finance products are confusing
Finance products are so vague
The banks make you bear the cost of risk
So keep out for goodness sake,
OHYou'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town.
http://digizenblog.blogspot.com/2008/11/2008-christmas-carol.html
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town.
It's hitting you once,
It's hitting you twice
It doesn't care if you've been careful and wise
Recession is coming to town
It's worthless if you've got shares
It's worthless if you've got bonds
It's safe when you've got cash in hand
So keep cash for goodness sake, HEY
You'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town!
Finance products are confusing
Finance products are so vague
The banks make you bear the cost of risk
So keep out for goodness sake,
OHYou'd better watch out
You'd better not cry
You'd better keep cash
I'm telling you why:
Recession is coming to town.
http://digizenblog.blogspot.com/2008/11/2008-christmas-carol.html
BNM drop OPR rates. BLR will follow by all banks
At the Monetary Policy Committee (MPC) meeting today, Bank Negara Malaysia decided to reduce the Overnight Policy Rate (OPR) to 3.25 percent. The ceiling and floor rates of the corridor for the OPR are correspondingly reduced to 3.50 percent and 3.00 percent respectively.
Since the previous MPC meeting, the outlook for global growth has deteriorated further. Several major advanced economies are now in recession amid severe stress in their respective financial systems. The sharp slowdown in global demand, the significant fall in commodity prices and the substantial decline in equity prices have exerted greater downward pressure on the growth prospects of regional economies. In this environment, global inflation has begun to recede and this downward trend is expected to continue. These global developments have prompted authorities to provide significant liquidity support to the financial system, undertake financial sector resolution measures, as well as fiscal stimulus and monetary easing to support economic growth. The impact of these measures will however take some time to be fully realised.
The adverse global developments have already affected the Malaysian economy, as evidenced by the slowdown in export performance and lower equity prices. While domestic demand remains resilient, there are indications of slower private sector activity amid some softening in the labour market conditions and a more challenging business environment. Under these conditions, sustaining domestic demand is key to ensuring that growth in 2009 remains positive.
The risk to domestic price stability is now substantially reduced. Inflation has begun to moderate from its peak in the third quarter of 2008. Going forward, the lower cost pressures and the slowdown in demand are expected to exert a greater dampening influence on inflation. Inflation is, therefore, expected to moderate significantly, particularly in the second-half of 2009.
Given the heightened downside risks to growth and the diminishing inflationary pressures, the reduction in the OPR is a pre-emptive measure aimed at providing a more accommodative monetary environment. To further reduce the cost of intermediation, the MPC also decided to reduce the Statutory Reserve Requirement (SRR) from 4% to 3.5%, with effect from 1 December 2008.
Going forward, the global economic and the international financial conditions are expected to continue to remain volatile and uncertain. Bank Negara Malaysia will monitor closely the evolving developments and will undertake the appropriate policy response to avoid a severe economic downturn
Since the previous MPC meeting, the outlook for global growth has deteriorated further. Several major advanced economies are now in recession amid severe stress in their respective financial systems. The sharp slowdown in global demand, the significant fall in commodity prices and the substantial decline in equity prices have exerted greater downward pressure on the growth prospects of regional economies. In this environment, global inflation has begun to recede and this downward trend is expected to continue. These global developments have prompted authorities to provide significant liquidity support to the financial system, undertake financial sector resolution measures, as well as fiscal stimulus and monetary easing to support economic growth. The impact of these measures will however take some time to be fully realised.
The adverse global developments have already affected the Malaysian economy, as evidenced by the slowdown in export performance and lower equity prices. While domestic demand remains resilient, there are indications of slower private sector activity amid some softening in the labour market conditions and a more challenging business environment. Under these conditions, sustaining domestic demand is key to ensuring that growth in 2009 remains positive.
The risk to domestic price stability is now substantially reduced. Inflation has begun to moderate from its peak in the third quarter of 2008. Going forward, the lower cost pressures and the slowdown in demand are expected to exert a greater dampening influence on inflation. Inflation is, therefore, expected to moderate significantly, particularly in the second-half of 2009.
Given the heightened downside risks to growth and the diminishing inflationary pressures, the reduction in the OPR is a pre-emptive measure aimed at providing a more accommodative monetary environment. To further reduce the cost of intermediation, the MPC also decided to reduce the Statutory Reserve Requirement (SRR) from 4% to 3.5%, with effect from 1 December 2008.
Going forward, the global economic and the international financial conditions are expected to continue to remain volatile and uncertain. Bank Negara Malaysia will monitor closely the evolving developments and will undertake the appropriate policy response to avoid a severe economic downturn
Wednesday, November 19, 2008
How to make 100k in 3 years without sweat
While everyone believe crisis is just around the corner or has started, many people are scare. Scare economy slowdown will effect their life.
If we are scare, we will always be scare. While waiting for the scary time, why not think of how to make 100k in 3 years.
Now is end of 2008. 3 years means end of 2011. Somewhere around November 2011.
Assuming average Malaysian earning RM 3k per month.
They force themselves to save 1k per month.
Not into saving account or FD but shares.
Why shares?
I have seen many shares drop into attractive valuation with dividend yield as high as 15%.
Their Price earning ratio drop to as low as PE 2.
These are two simple but effective method to value a company.
Method is very simple. Find a counter with PE 3 to 4 and dividend yield of 10%.
Look for stable company. Business easy to understand and generating strong cash flow.
Assuming you invest 12k first year. Add dividend become 13.2k.
12k second year. Add first year plus dividend become 27.7k
12k third year. Add second year plus dividend become 43.6k.
When the market recover, the PE for this share recover to PE 9.
Your investment become 99k.
That is almost 100k in 3 years.
Question is, will this happen?
Answer is very high chances. Economy will not be bad for long time and by the time it recover, your portfolio will triple in value.
Once the 100k is on hand, let discuss on how to earn 1 million in 3 years.
If we are scare, we will always be scare. While waiting for the scary time, why not think of how to make 100k in 3 years.
Now is end of 2008. 3 years means end of 2011. Somewhere around November 2011.
Assuming average Malaysian earning RM 3k per month.
They force themselves to save 1k per month.
Not into saving account or FD but shares.
Why shares?
I have seen many shares drop into attractive valuation with dividend yield as high as 15%.
Their Price earning ratio drop to as low as PE 2.
These are two simple but effective method to value a company.
Method is very simple. Find a counter with PE 3 to 4 and dividend yield of 10%.
Look for stable company. Business easy to understand and generating strong cash flow.
Assuming you invest 12k first year. Add dividend become 13.2k.
12k second year. Add first year plus dividend become 27.7k
12k third year. Add second year plus dividend become 43.6k.
When the market recover, the PE for this share recover to PE 9.
Your investment become 99k.
That is almost 100k in 3 years.
Question is, will this happen?
Answer is very high chances. Economy will not be bad for long time and by the time it recover, your portfolio will triple in value.
Once the 100k is on hand, let discuss on how to earn 1 million in 3 years.
Tuesday, November 18, 2008
Jokes
A couple of redneck hunters are out in
the woods when one of them falls to the ground.
He doesn't seem to be breathing
and his eyes are rolled back in his head.
The other redneck starts to panic, then
whips out his cell phone and calls 911.
He frantically blurts out to the operator,
"O my gawd! Help! My friend just died.
He's Dead! What can I do?"
The operator, trying to calm him says,
"Take it easy. I can help.
Just listen to me and follow my instructions.
First, lets make sure he's dead."
There's a short pause, and then the operator hears a loud gun shot!!!
The redneck comes back on the line and says, "OK, now what?"
the woods when one of them falls to the ground.
He doesn't seem to be breathing
and his eyes are rolled back in his head.
The other redneck starts to panic, then
whips out his cell phone and calls 911.
He frantically blurts out to the operator,
"O my gawd! Help! My friend just died.
He's Dead! What can I do?"
The operator, trying to calm him says,
"Take it easy. I can help.
Just listen to me and follow my instructions.
First, lets make sure he's dead."
There's a short pause, and then the operator hears a loud gun shot!!!
The redneck comes back on the line and says, "OK, now what?"
Sunday, November 9, 2008
DiGi's D'House
Kalau tak mau job depression, kerja kat DiGi lar...........
For more information, please visit http://digizenblog.blogspot.com/
p/s: jgn click google ads banyak-banyak, satu hari maximum sekali....nanti kena ban lagi susah
For more information, please visit http://digizenblog.blogspot.com/
p/s: jgn click google ads banyak-banyak, satu hari maximum sekali....nanti kena ban lagi susah
Mabuk Gila & Tangkap Basah
Inilah keadaan beliau sebelum jatuh terkangkang.......
Tangkap basah di dalam kereta beliau........
Tangkap basah di dalam kereta beliau........
Saturday, November 1, 2008
Job Depression and How to Overcome It
Are you suddenly sleepy all of the time? Is this feeling coupled with sadness and feelings of hopelessness? If so, you could be depressed.
Depression strikes most people at one time or another in their life. It could be an offset to a traumatic situation or a chemical imbalance. It could even be a result of your job.
A recent survey done by the National Survey on Drug Use and Health (NSDUH) shows that certain occupations cause depression in their workers more than others. For women, these jobs are in the food preparation and service industry. For men, these jobs are in the arts, design, entertainment, sports, and media occupations. The reasons for these results are not yet clear. However, what is known is that feelings of depression can be overcome by the average employee. Here are a few things you can do.
1. Keep an Eye on how you help others. Make a written or mental note each day of how you help others in your occupation. Even if don't like your job, it will give you a 'positive' reason for doing it. It might even change your mind and help you love what you do and, as a result, lift your mood.
2. Work on other goals. If you work on other goals that lead you out of your occupation or build up your life in some way, you won't be focused on how much you dislike your job. You'll see that the 8 hours you spend at your place of employment is only a drop in the bucket compared to the other areas of your life. This realization alone will help alleviate your depression.
3. Redefine it. If part of the reason you're upset about your job is because of the process it takes to do it, change it. See if you can adjust your methods. It'll empower you and make you own what you do five days a week. As a result, you'll fee more zealous and alive about what you do.
4. Change jobs. This point is the most obvious one. If you really hate what you do and it's weighing heavy on your heart, change jobs. You don't have to know exactly what you want to do to try something new. As a matter of fact, many people go through several jobs before they find their dream one. So don't be afraid to make a change. It will re-energize your soul and alleviate feelings of sadness.
5. Tough it out. Sometimes, the reason why people are depressed about their jobs is because they are new and still learning it. If this best describes you, take a deep breath and understand that in a year you'll be an expert at it. So don't let feelings of imminent failure drag you down.
In conclusion, you CAN do things to overcome depression at your job without going on medication or letting it overtake you. Try one or all of these five methods and you'll soon be going to work with a smile on your face.
http://www.associatedcontent.com/article/414852/job_depression_and_how_to_overcome.html?page=2&cat=31
Depression strikes most people at one time or another in their life. It could be an offset to a traumatic situation or a chemical imbalance. It could even be a result of your job.
A recent survey done by the National Survey on Drug Use and Health (NSDUH) shows that certain occupations cause depression in their workers more than others. For women, these jobs are in the food preparation and service industry. For men, these jobs are in the arts, design, entertainment, sports, and media occupations. The reasons for these results are not yet clear. However, what is known is that feelings of depression can be overcome by the average employee. Here are a few things you can do.
1. Keep an Eye on how you help others. Make a written or mental note each day of how you help others in your occupation. Even if don't like your job, it will give you a 'positive' reason for doing it. It might even change your mind and help you love what you do and, as a result, lift your mood.
2. Work on other goals. If you work on other goals that lead you out of your occupation or build up your life in some way, you won't be focused on how much you dislike your job. You'll see that the 8 hours you spend at your place of employment is only a drop in the bucket compared to the other areas of your life. This realization alone will help alleviate your depression.
3. Redefine it. If part of the reason you're upset about your job is because of the process it takes to do it, change it. See if you can adjust your methods. It'll empower you and make you own what you do five days a week. As a result, you'll fee more zealous and alive about what you do.
4. Change jobs. This point is the most obvious one. If you really hate what you do and it's weighing heavy on your heart, change jobs. You don't have to know exactly what you want to do to try something new. As a matter of fact, many people go through several jobs before they find their dream one. So don't be afraid to make a change. It will re-energize your soul and alleviate feelings of sadness.
5. Tough it out. Sometimes, the reason why people are depressed about their jobs is because they are new and still learning it. If this best describes you, take a deep breath and understand that in a year you'll be an expert at it. So don't let feelings of imminent failure drag you down.
In conclusion, you CAN do things to overcome depression at your job without going on medication or letting it overtake you. Try one or all of these five methods and you'll soon be going to work with a smile on your face.
http://www.associatedcontent.com/article/414852/job_depression_and_how_to_overcome.html?page=2&cat=31
Subscribe to:
Posts (Atom)