Tuesday, April 29, 2008
Wednesday, March 26, 2008
My good friends - Beh Hwa and Hey Zhi
--Without Prejudice --
When I was a teenager around 15 years old I got to know 2 good friends - Beh Hwa and Hey Zhi. I have special feeling with Hey Zhi because my 1 year old brother has admires Hey Zhi more than Beh Hwa. And so there was a guy who always come to my house and tell us lot of story about these 2 friends. There are good and bad stories about them however this guy has been close friend to Hey Zhi and thus the stories has been pro to Hey Zhi more. I still remember that year when Beh Hwa and Hey Zhi is contesting in a Beauty Competition that was done once in a 5 years time (but some time it is done earlier maybe 4 years or 3 years), they are fighting completely and thoroughly. Beh Hwa is richer than Hey Zhi and thus Beh Hwa has more money than Hey Zhi to buy more luxury clothes and cosmetic products to decorate herself. Hey Zhi of course is supported by a group of hard-core admirers. They fought hardly and had come out with all soft of strategies and tactics just for the sake of winning. Beh Hwa has her own agendas and Hey Zhi has hers as well. End of the day, Beh Hwa and Hey Zhi won some supporters respectively. Back to year 2008, the new generations of Beh Hwa and Hey Zhi fought in a Modern Beauty Competition again some time back in early March. Hey Zhi has evolved and started to use some modern strategies and tactics like Internet. Beh Hwa was not as good as Hey Zhi in this manner. Though Beh Hwa is as rich as she was previously, she lost advantage in a lot of views. Beh Hwa use electronic media like Television to broadcast and advertise herself. Some advertisement is disgusting and has caused irritating to some of the hard-core supporters. And there, Beh Hwa lost some supporters because of lot of issues that Beh Hwa has. Hey Zhi shows her sincerity and organize talks everyday and thousands and thousands of supporters show face. Beh Hwa did not admit the lost of supporters and continue to be arrogant and do things and said words according to her sentimentals. Supporters see Beh Hwa and Hey Zhi face and can differentiate the sincerity from there. The old generation of Beh Hwa has the guts to say words that gain supports, but new generation of Beh Hwa has guts to say words that lost supports. Hey Zhi again meet supporters requirements. On the competition day, Beh Hwa lost and Hey Zhi won. And that night, all Malaysian know who is Hey Zhi and realise Hey Zhi is prettier than Beh Hwa.
When I was a teenager around 15 years old I got to know 2 good friends - Beh Hwa and Hey Zhi. I have special feeling with Hey Zhi because my 1 year old brother has admires Hey Zhi more than Beh Hwa. And so there was a guy who always come to my house and tell us lot of story about these 2 friends. There are good and bad stories about them however this guy has been close friend to Hey Zhi and thus the stories has been pro to Hey Zhi more. I still remember that year when Beh Hwa and Hey Zhi is contesting in a Beauty Competition that was done once in a 5 years time (but some time it is done earlier maybe 4 years or 3 years), they are fighting completely and thoroughly. Beh Hwa is richer than Hey Zhi and thus Beh Hwa has more money than Hey Zhi to buy more luxury clothes and cosmetic products to decorate herself. Hey Zhi of course is supported by a group of hard-core admirers. They fought hardly and had come out with all soft of strategies and tactics just for the sake of winning. Beh Hwa has her own agendas and Hey Zhi has hers as well. End of the day, Beh Hwa and Hey Zhi won some supporters respectively. Back to year 2008, the new generations of Beh Hwa and Hey Zhi fought in a Modern Beauty Competition again some time back in early March. Hey Zhi has evolved and started to use some modern strategies and tactics like Internet. Beh Hwa was not as good as Hey Zhi in this manner. Though Beh Hwa is as rich as she was previously, she lost advantage in a lot of views. Beh Hwa use electronic media like Television to broadcast and advertise herself. Some advertisement is disgusting and has caused irritating to some of the hard-core supporters. And there, Beh Hwa lost some supporters because of lot of issues that Beh Hwa has. Hey Zhi shows her sincerity and organize talks everyday and thousands and thousands of supporters show face. Beh Hwa did not admit the lost of supporters and continue to be arrogant and do things and said words according to her sentimentals. Supporters see Beh Hwa and Hey Zhi face and can differentiate the sincerity from there. The old generation of Beh Hwa has the guts to say words that gain supports, but new generation of Beh Hwa has guts to say words that lost supports. Hey Zhi again meet supporters requirements. On the competition day, Beh Hwa lost and Hey Zhi won. And that night, all Malaysian know who is Hey Zhi and realise Hey Zhi is prettier than Beh Hwa.
Thursday, October 18, 2007
FD, Property, Share Market and Unit Trust
If you have RM500,000 you have few choices
1. Saving it in FD with 0% risk and you gets 3++% return per annum. You are losing money every year. Why? Because of inflation rate of more than 4% per year, you lost money because your money tends to get smaller year by year.
2. Buy a property. Depends on luck and the market opportunity. If you get a good shop lot you might be able to get rental of few thousand per month. If you get rental of RM3,000 per month you get RM36,000 per month. And the return is 7.2% per year. There is un-realised capital growth for asset appreciation for that shop lot that you have invested. If you sell your property at RM800,000 after 5 years. You get 12% per annum and that totals to about 19.2% return per annum.
3. You invested in some blue chips in share market. It requires your attention on the stocks that you have invested. The return might various from losing money to the return of more than 100%. With the average market return, you probably get around 40% for past 1 year. It is short term investment and the risk is much higher. Say a return of 100% for past 5 years (market is good), you get around 20% per annum.
4. You invested in unit trust. You do not need to put much attention on it. You let the fund managers manage the funds. When the market is good and you have invested in aggressive funds, you get about 100% return for past 3 years. Factor in the market fall, you probably get about an average of 12% per annum if you have invested in the unit trust for 12 years. And if you perform switching (switch in to bond fund when market has reach high and switch out from bond into equity when market is low), you will enjoy more profit from the market switch.
1. Saving it in FD with 0% risk and you gets 3++% return per annum. You are losing money every year. Why? Because of inflation rate of more than 4% per year, you lost money because your money tends to get smaller year by year.
2. Buy a property. Depends on luck and the market opportunity. If you get a good shop lot you might be able to get rental of few thousand per month. If you get rental of RM3,000 per month you get RM36,000 per month. And the return is 7.2% per year. There is un-realised capital growth for asset appreciation for that shop lot that you have invested. If you sell your property at RM800,000 after 5 years. You get 12% per annum and that totals to about 19.2% return per annum.
3. You invested in some blue chips in share market. It requires your attention on the stocks that you have invested. The return might various from losing money to the return of more than 100%. With the average market return, you probably get around 40% for past 1 year. It is short term investment and the risk is much higher. Say a return of 100% for past 5 years (market is good), you get around 20% per annum.
4. You invested in unit trust. You do not need to put much attention on it. You let the fund managers manage the funds. When the market is good and you have invested in aggressive funds, you get about 100% return for past 3 years. Factor in the market fall, you probably get about an average of 12% per annum if you have invested in the unit trust for 12 years. And if you perform switching (switch in to bond fund when market has reach high and switch out from bond into equity when market is low), you will enjoy more profit from the market switch.
Monday, October 15, 2007
October 4 2007
Ya, my little Jenxun was born on October 4 2007, a calendar day that was stated 黄道吉日in the Chinese Calendar. I had even told my wife to go for delivery if we could choose. The delivery of Jenxun was much smoother than expected. Drove my wife to Pantai Hospital at 6.45AM when she had stomach pain. The journey to Pantail Hospital is considered far. Though drove at the speed of near 120km/h in my Toyota Avanza, I have raised my alert to highest level to make sure it is not a dangerous ride. My brave Avanza has not been dissapointed me before and I had tried it at the speed of 150km/h for once in my life time in that little Avanza, 120km/h he can manage it very well. Furthermore, the wheel has been enhanced to 15" to improve the performance on the road. My wife had serious pain after arrived in the hospital and with the help of doctor and 2 nurses, she suffer shorter labour pain and my little Jenxun said hello to the world then after.
Friday, June 15, 2007
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