Disposed Amanah Saham Wawasan 2020 & Amanah Saham Malaysia

Malaysia is a lovely place to live, but the ruling government know nothing about the economy & is not doing any good to turn it around.

The government is still playing the racial to ensure they are still staying in control in the next election.

The ASW2020 & ASM have been with me for decades, with good dividend yields at more than 6%. But I personally believe that when the nation fundamentals is going haywire, the funds that is supporting national projects will definitely hitted.

Furthermore I do not want my hard earn money to be used to fund those projects that benefitted the politicians instead of the country.

A hard decision is made, I have closed both accounts and cash out all my money.

IOI Skypod Puchong Jaya

Everyone is speculating that property market in Malaysia is turning south in 2015 due to over supply.

I agree and disagree.

In my view, new property that cost more than RM500k in not so strategic location and is not developed by prestigious developer will be at high risk.

Meanwhile I personally think that new property in good location and is a project under those prestigious developer will definitely still have room to appreciate.

The Skypod, Puchong Jaya developed by IOI Properties is one of the project that I believe it will bring good return.

1. Strategically located opposite IOI Mall, behind IOI business park.
2. Low density.
3. The only studio units in Puchong Jaya
4. Walking distance to Puchong Jaya commercial area.
5. Very near to Chinese primary school.
6. Easy access to LDP, KESAS, TPM Highway.
7. Freehold.

The key will be handed over in 2015.

Let see if my guess is right.

AmFIRST REIT - Record Low Price

The AmFIRST REIT has hit rock bottom last week.

AmFIRST hitted its bottom at RM0.91 in March 2014 and then recovered in 2 weeks time before it price hitted another new record low last week.

I am not a technical analyst, but as long as the fundamental of AmFIRST is intact, I shall accumulate more of the units at cheap price.

Based on historical payout, unit holders can expect 8% dividend yield with entry price at RM0.89.

Wiper Blades Stolen at Guarded Car Park

Yesterday evening when I was returning home after picking up my spouse, I noticed that my wiper blades were missing when I attempt to clean my windscreen.

It was very lucky that the heavy rain was just stopped when I were heading home. It would have been a disaster if it was raining to drive without wiper blades.

I thought it was silly for the thieve to steal such invaluable item. I was wrong as I found out a pair of original wiper blades for my car cost RM300.

The incident has also trigger me that Malaysia economy is not doing well, and peoples is desperate for money.

I will definitely log an official complaint via my office as it was stolen at the corporate office basement.

Maybe I shall consider to move on to a safer place like Taiwan, Hong Kong or Singapore.

Western Union at IOI Mall Puchong

This is the second time I cash out Google Adsense payment via Western Union.

The crowd at the money changer is extremely packed, and there are customer waiting outside the shop.

Most of them are foreign workers, with the purpose of sending transferring their hard earn money to their home country.

Next time I will come very early to prevent the heavy crowd.

Alternately I may opt for cheque payment instead of Western Union.

Tougher living environment in the Greater Kuala Lumpur (KL), Malaysia

The economy situation in Malaysia has turned to worse from bad after the general election in May, 2013. Government has over spent the money to create feel good factors before the general election. The sweet dream painted by the government was faded off post election, and now the people has to the reality and prepare for a tougher environment especially for residents in the greater KL.

What makes up the tougher environments?

1. Implementation of 6% GST in April, 2014
While government is promoting the pros of the GST implementation, it will definitely create massive inflation and reduce the free capital in available in the market.
GST is said by the government as inevitable measure to sustain the overall national well being. Meanwhile the concepts sounds good, but I personally feel that unless we have an efficient government that spend and invest wisely, if not it is just another tools for corruptions and wrong spending at the people cost.

Just look at other third world country in ASEAN that implemented GST or VAT, they are still remain in the third world country, and the rich get richer and the poor get poorer.
It is not about GST or VAT, it is good governance that matter.


2. RON 95 petrol, diesel prices up by 20 sen from 2-October-2014
RON95 petrol and diesel price has increased again in 2014. The energy price increase has already create the domino effect on the inflation not forgetting that there is a major inflation waiting for all Malaysians in April 2015 due to the 6% GST.
My personal view is that under the subsidy rationalization program, there shall be further price hike for RON95 and diesel in 2015.


3. Devaluation of Malaysian Ringgit
The massive projects like MRT lines, LRT lines extensions, etc required huge investment to carry out. Government and involved corporates are issuing bond to fund the projects. As such, additional supply of Malaysian Ringgit are "created" and pumped into the market.
If the real GDP is not growing at the same pace as the Malaysian Ringgit currency, the value of the Malaysian Ringgit will decline.
The property price surge is a good evidence of the phenomenon of Malaysian Ringgit devaluation.


When living environment get tougher, the phenomenon of "Rich get richer and poor get poorer" will occurs. Folks, stay tough and get through this together.

越有本事的男人越没脾气

一、越有本事的男人越没脾气。因为素质，修为，涵养，学识，能力财力会综合一个人的品格。

二、世界上最美妙的一件事是，当你拥抱一个你爱的人，他竟然把你抱得更紧。

三、信任就像一张纸，皱了，即使抚平，也恢复不了原样了。

四、成功根本没有秘诀，如果有的话，就只有两个词：谦虚，坚持。

五、能开口说出的委屈，便不是委屈；能离开的人，便不算是爱人。

六、女人最可悲的，不是年华老去，而是迷失自我。女人最可叹的，不是红颜不再，而是自信全无。

一个有灵魂的女人，是一个有魅力的女人。一个有信仰的女人，是一个有能量的女人。

七、往事不必遗憾。若是美好，叫做精彩。若是糟糕，叫做经历。把握眼前，当下才重要。

八、顺利，只是一种平庸的人生。

九、如果一个男人真的爱你，他只会怕没本事照顾好你而努力。如果他事事与你计较，随便对你发脾气，那只是说明他爱自己，没有爱你的本事和能力。

十、心态不好，说穿了，就是心太小了。

心态的“态”字，拆解开来，就是心大一点。

人与人之间，就是一种缘分；心与心之间，就是一种交流；爱与爱之间，就是一种感情；情与情之间，就是一颗真心；错与错之间，就是一个原谅。人人有自尊，个个有苦衷，想法、做法和活法都不同。理念不同，做法不同，活法也不一样，不必去改变他人，只需自己做好就行。

如何达到性高潮

1.吮吸她的乳頭。含在嘴裡，用舌頭舔乳頭的尖部，視她的興奮情況，可以用牙齒輕咬乳頭。假如她很清醒就不要咬，也不要不停的咬，要把咬和舔結合在一起。

2.舔她的陰蒂(不要告訴我你不知道陰蒂在那)。陰蒂在小穴的最上方，通常被大陰脣的頂端包裹。你可以用手輕輕的扒開，從下往上舔。先舔四周，本人不喜歡舔陰道口，由於不喜歡把嘴巴搞得濕漉漉的。裝作不在意的樣子，用舌尖掃過陰蒂，千萬別太大勁。做這個的時候，你也可以讓女性含著你的陰莖，不過當你舔到她的陰蒂的時候，她就會浪叫著把你的陰莖吐出來了，還要小心她興奮至極把你的JJ咬斷哦。

3.用陰莖敲打女性陰道口。把你的女性壓在身下，jj就貼在女性的陰道口，然後你把留意力放在乳房、嘴脣什麼地方，總之千萬不要插進往，由於我們要享受女性抓著自己雞巴往陰道塞的樂趣。你可以一邊接吻，一邊用手推拿乳房，親吻嘴脣，當然也可以親奶頭，不過趴在女性身上親奶頭不太輕易。一邊親，你一邊要蠕動腰部，用你的恥骨壓住女性的恥骨，把握好方位使jj在女性外陰部摩擦，待她呻吟起來，你就用性感的動作(不斷起伏腰部)，使jj不斷的敲打女性陰道口。留意不要不停的用力，要輕重結合，這樣你就會發現女性的水越來越多……

4.乳房是十分可愛的。把女性的兩隻乳房相中間推，用嘴巴同時含住兩顆奶頭，這會讓你的女性有奇異的快感。

5.抽送的技巧。陰莖插進以後要淺插，先來十下淺的，一邊和女性說話，分散她的留意力，趁她不留意的時候，猛地來一下深進到底，然後再來幾下淺的，然後趁她不留意，再來幾下深的，這樣搞幾次，你的女性一定會鬼哭狼嚎，水流直下三千尺，疑是淫河落九天……

6.最深的體位。有人說是後備式，本人不以為。最深的體位是：女性在下側躺，你把女性的一隻腿扛在肩上，一直腿坐在身下，呈剪刀式，把陰莖插進，這樣，兩個人的陰部是結合最緊密的了，而且你還能用上勁，有多大勁用多大勁。你會感覺你的jj就像鑽頭，不停的往深處鑽探，女性也就淫叫不止了。

7.後背式。不要讓你的女性趴在什麼東西上面，如床邊、打扮台之類，就在一片空地上，比如客廳中心、臥室中心，總之四周沒有可以捉住的東西，讓女性彎著腰站在那裡，你從後面插進往，兩手卡住女性的胯部。這時你就可以往返抽送了。如何抽送，請看第五條，總之，深淺輕重，一定不能單調，而且淺、輕的多點，不能猛抽重插。由於這樣一方面刺激太強，自己可能很快射掉，另外一直很強烈的刺激，女性時間一長，陰道也很麻痺，沒感覺，也不喜歡。看著女性像自己的獵物一樣在自己的胯下浪叫，心理是十分滿足的。假如快的話，女性在30秒內就會站不住。

AmFIRST REIT

In March 2014, M-REIT were facing strong sell down, namely AMFIRST, QCAPITA, KLCC, CMMT, UOAREIT, IGBREIT, SUNREIT, ARREIT & YTLREIT.

Most of the share price of the mentioned M-REIT have recovered except AMFIRST, YTLREIT & ARREIT.

As a retail investor, buying stock at discount is my key strategy. I have bought in all the above mentioned REITs in March and are still holding on due to their steady dividend payout.

AMFIRST is my first choice as compared to YTLREIT & ARREIT are due to reasons as below.

AMFIRST is a REIT that is backed by Arab Malayan Bank Berhad and is also a business entity that JV with ARA which is owned by Hong Kong property tycoon Li Kah Seng.

ARREIT is a GLC (Government Linked Company) company. The dividend pay out is declining since 2 years ago.

YTLREIT is the only hospitality REIT in Malaysia, and the recent passenger flights tragedy especially the MAS MH370 & MH17 is definitely not helping the industry.

In summary, I will be accumulating AMFIRST at RM0.94. Let's see what turn out in the future.

成功的四大条件

1.不要过分在乎身边的人，也不要刻意去在意他人的事。

在这世上，总会有人让你悲伤、让你嫉妒、让你咬牙切齿。并不是他们有多坏，而是因为你很在乎。所以想心安，首先就要不在乎。你对事不在乎，它就伤害不到你;你对人不在乎，他就不会令你生气。在乎了，你就已经输了。什么都不在乎的人，才是无敌的。

2.活得糊涂的人，容易幸福;活得清醒的人，容易烦恼。

这是因为，清醒的人看得太真切，一较真，生活中便烦恼遍地;而糊涂的人，计较得少，虽然活得简单粗糙，却因此觅得了人生的大滋味。

3.欲成大器，先要大气。

大气之人，语气不惊不惧，性格不骄不躁，气势不张不扬，举止不猥不琐，静得优雅，动得从容，行得洒脱。大气之人，能安安心心做好本分的角色，认认真真干好手头的事情，不为名利而争斗，不为钱财而纠结。大气之人能让自己的世界海阔天空，即便一时失意，终得大器晚成。

4.爱人是路，朋友是树

人生只有一条路，一条路上多棵树，有钱的时候别迷路，缺钱的时候靠靠树，幸福的时候莫忘路，休息的时候浇浇树。

AmFIRST REIT & Quill Capita Trust, time to add position?

Both AmFIRST REIT (AMFIRST) & Quill Capita Trust (QCAPITA) share price were very steady in term of price movement all these years. Since last few days, the trend become abnormal for these 2 counters.

 AMFIRST share price started to drop below the strong resistance at RM1.00 on 14th February 2014. The declining trend is continuing on every trade day until today with huge volume.

The share price movement of QCAPITA is very similar with AMFIRST. QCAPITA unit price fell below RM1,15 on 13th February 2014 and the share price is trending town to RM1.05 as of today closing with very high volume.

There is no negative news or announcements on these 2 counters, and in view of their historic price movement trend, my wild guess is it could be disposal of stake by major shareholder of AMFIRST and QCAPITA with the objective to cash out by end of February for fund repositioning.

If my guess work is true, the price of these M-REIT counters shall be stabilize next week.

婆媳实战录二

不过两年连公婆也搬了下来一起生活。从此我的生活更加精彩！我想身为男人的哪会明白一个女人的苦聰呢？

果然我开始了解结婚并不是两个人的事，这可是两家人的事情呀！

和一个不是一起成长的人生活在一块儿已是不容易，可现在还要和四个，我的天，女人真不容易做！

接下来的日子更不用说三天两日都有惊喜，出呼预料之外。

幸运的是一天两餐有公公来准备。这也是因为夫家的三餐从小都是由他爸爸一手包办，婆婆可说是位职业女性。

婆婆从家乡远上城市来同住，当然寂寞是其中一个原因，同时也是担心儿子被他的太太给抢了。

也因为婆公都一起住，所以自然地把孙儿们都交由他们来看顾。是一个很典型地中国家庭。只是有一个很不一样的是，他们可是拿着和市场上的保姆一样的薪资，而且三天两头还嫌少呢。而我在想那以后当需要孙子们代顾婆公时，那他们可不是也要求同样的价钱呢？

Will Malaysia bankrupt by 2020?

Today is the 11th day of the Chinese New Year. I am going to spend 3 days 2 nights in Singapore on my day time career official assignment. The exchange rate between Singapore Dollar and Malaysia Ringgit is SGD1.00 = RM2.625. Malaysia Ringgit has reduced its value by more than 10% in less than a year time.

As per my previous post Singapore vs Malaysia 2, Malaysia is now facing the challenge of hyper inflation phenomenon, and personally I am pessimistic over the turnaround plan of the current ruling government in view of their track record and reputation.

 

One of the Malaysian economist mentioned that the power of compound effect of the deficit budget. Malaysia Government has recorded more than 15 years of deficit budget since 1999 till 2013. To turnaround the situation is not easy, any efforts that put in may not even strong enough to counter the negative impact of the compound effect that caused by the deficit budget over these years.

 

Will Malaysia bankrupt by 2020? My wild guess is it is unlikely, but the situation is not going to be far better than bankruptcy.

2014 Resolutions

New Year holiday is always the best time for me to review my past journeys and set new directions for the rest of the year. During the New Year long holiday (public holiday + annual leaves), I spent time with my family members, relative and school days friends in my home town. Spending times with them helps in refreshing those good memories, which actually giving clues to me in setting new directions for 2014.

My 2014 resolutions shall be as below:
1. Keep fit, reduce weight and do exercise.
2. Work life balance, physically and mentally.
3. Take care of the love ones.
4. Life improvement that covers home, car, and other stuffs related to living.
5. Comprehensive investment strategies, invest for cash flow.
6. Growing my own vegetables & fruits
7. Learn how to cook
8. Organize monthly family event/ outing.

This year, I am going to live my life for meaningful and cherish my love ones.

The Litter Bug in Kuantan - Proton Saga CCT9397

It was 2014 Chinese New Year eve, I was queuing to get my car wash up at one of the Auto Spa Centre in Kuantan town.

One of the young driver of the black Proton Saga CCT9397 thrown out litter from his car cabin.

Litter Bug, car driver of Proton Saga CCT9397,  shame on you!

性感农历新年电子祝贺卡

已经许多年没有收到农历新年祝贺卡了， 今天也不例外。

如今电脑科技发达，电子通讯更是一日千里。从祝贺卡到手机短信、然后到今曰的WhatApp, 电子农历新年祝贺卡也便得很有创意。

以下是一些笔者收到看了脸红的性感电子农历新年祝贺卡。

与自来小猫共度大年初二

今天是年初二，我们一家人回外婆家，晚上十点的时候我发现有一只小猫在我姨丈的车底下。我爸爸帮我们和猫拍照，然后我们看到那只猫发斗，我们就拿饼干给那只猫吃。

过后我爸爸就去载我妈妈，当我妈妈一回到家，我就立刻告诉妈妈有猫在姨丈的车底下，过后那只猫就走去我们的车旁，我们怕那只猫饿就准备食物和水给猫吃喝。

小部落客- 小璇

今年回乡过年，在家乡遇到一位九岁的小女孩。 这个小女孩她的名字叫小璇，很喜欢写作，所以聊了一下之后我建议她将作品上载到谷歌博客 (Google Blogger) 以作收藏。

暂时小璇的文章将会由我上载到我的网页上以和读者分享。当时机成熟时，我将会为她开设自己的谷歌博客户口以及建立一个属于她自己的网页。

2014马年大年初一

今天是年初一，我在关丹庆祝华人新年，我很开心。我爱关丹。当我在庆祝华人新年的时候有舞师来表演。我在吃饭的时候我有拍照，我拍我妹妹吃饭，我拍我公公和婆婆吃饭。然后晚上，我有去朋友家。我很开心。

小璇部落客

我是小璇，我爸爸教我写Blog. 我妈妈教我很多东西：读书、写字、还有教我做家务。

我妹妹陪我一起玩。我的公公和婆婆照顾我和我妹妹。我的家庭真可爱。

其实我很想考第一名。可是我只考到十八名。我的爱好是写Blog，还有画画。我❤️我的家。

Singapore vs Malaysia 2

Happy New Year!

But I suppose many of the Malaysian readers are not so happy due to the super-inflation phenomenon that is happening since the end of 2013 (started from November 2013) that may only settle down in end 2014. Then the 6% GST (Government Service Tax) will be introduced in 2015 to give the inflation a vital boost.

I have started to compare Malaysia against Singapore since 2010. During that time, the exchange rate was at MYR2.40 for SGD1.00. A part from exchange rate, I am also comparing the lifestyles and socioeconomic between these two countries.

After 4 years of observation, I made some assumptions as below.

1. The Myth of Malaysia will become another Singapore in year to come
When I was a secondary school student (20 years ago), one of the teacher shared a common view that in year to come, Malaysia will become another Singapore. Similarly, given time, Singapore will progress to be another successful state like Hong Kong.

In my view, the chance of Malaysia in transforming into an advance country is very slim. In fact, over this 20 year, Malaysia is not really progressing but heading backward. On the other hand, Singapore is already on par with Hong Kong in term of competitiveness.

2. Wrong Priority
Malaysia is a very resourceful country, it is very easy to make a living in Malaysia. Due to this advantage, over the years, the government has not really focus on the well being of the people but focusing on closing the gap between the Muslims and non-Muslims as well as between the Malays and the non-Malays.

The government has created the racial tensions over these years. Malaysians has become religions fanatic. Instead of growing the economies, the government creates and implements restrictions to the non Malays enterprises. For example, certain business licenses and government contracts is only applicable by enterprises own by the Malay.

Efforts is wasted in focusing on racial competitions instead of growing the nation.

3. Devaluation of Ringgit Malaysia against Singapore Dollar
Over the years, Ringgit Malaysia has depreciated against Singapore from MYR1.00:SGD1.00 to MYR2.60:SGD1:00 as of today.

Malaysia Government has recorded more than 15 years of deficit budget since 1999 till 2013. The government is cutting subsidy on electricity, petrol, sugar and other necessities to keep the deficit at the low level. GST is the last card of government in turning around the situations.

I am not convinced that the such measurement is able to make the situations better in near term. But one thing for sure is Malaysians is going to suffer over the super inflation rally.

4. Crimes, Corruptions & Poor Public Transportation System is also the major drawback when comparing Malaysia against Singapore


5 Malaysia is heaven for retirees
If you are not an employee, Malaysia beat Singapore flat in term of place to stay.
Kuala Lumpur has terrible traffic jams, but it happens on peak hours only (7:30-9:00am & 5:00-7:30pm).
Metropolis like Kuala Lumpur is a world class city comparable to Singapore in term of city shopping, medical as well as variety of foods but at much lower cost. And it is much affordable for one to own an apartment and a car in Malaysia than Singapore. It is possible for a middle class to own a landed house in Selangor or Kuala Lumpur, but it is almost impossible to do the same in Singapore.

Not forgetting Malaysia is a much bigger country compare to Singapore with many tourism destinations and attractions.
Malaysia is definitely a heaven for live, play, relax & enjoy.

After weighing all the pros and cons between Malaysia and Singapore,  I have decided to settle down in Malaysia even though I still need to work. But, I will plan to invest a portion of my wealth in Singapore to hedge against the inflation and the continue devaluation of Ringgit Malaysia.

This is my plan, what about yours?


Related posts:
1. Malaysia vs. Singapore
2. Singapore Dollar (SGD) vs. Malaysia Ringgit (MYR)