Masakan Tradisional Indonesia

From time to time, we may heard news that more and more people are unable to pay their credit card debts. As a result, credit card companies must be earning a lot of money in return. On the contrary, credit card companies have been facing quite some challenges. More and more people are settling their due payment in full monthly. This results the card company unable to earn money from this group of people. Some users even maximize the interest free period to 2 months and pay nothing to enjoy such great facility. Due to the stiff competition among the card issuers, every time an annual fee is charged, the card users will simply stop the account. When late fee and interests are charged, more and more users know how to get them waived. Generally people are getting better in managing their credit card usages. More and more people are more personal finance savvy now. Credit card used to be able to get their profit back from the people who owe them money. But now they can keep charging ...

It was mentioned before that EPF in Malaysia is one of the best things that happens to ones personal finance, because it saves automatically even before you can lay a hand on your money - the main principal of Automated Saving System - ASS . But not everyone works for someone. Or if your employer does not contribute his part, it makes EPF so much less interesting. So a government's mutual fund is born - Amanah Saham Nasional. If you are not eligible for EPF, you can still save in Amanah Saham. Despite many disputes and diverse understanding on what Amanah Saham is or should be, one cannot deny that our poverty rate has indeed improved. The gap between rich and poor did narrow down since 50 years ago. That's the power of mutual fund, despite how wrong or how right the reason is when one save in mutual fund, all will be sharing the same return. A government supported fund is even better for those who don't know what it is. As long as the 'government' is there, ...

Faber Group was one of the worst run businesses of all time. They wanted to do 'everything' and ended up achieved almost 'nothing'. Its one of those stories who involved in property development and didn't quite make it. The whole restructuring exercise took more than 5 years before they finally turned it around. What is interesting however is its consistent up trend in their EPS earning, despite that it started from a negative (84.2) in 1998. Looking forward, if the person who is managing finance in Faber continues to stay in power, this is worth looking into more. It could become one of the best long term keeper. Key to success is if they can repeat 2005-2006 growth now. This can be determined by reading their latest annual report. Challenges are varies of their continuous law suits. SAPCRES , Oil and Gas, looks pretty good now. It seems like anything under RM 2.49 is a good buy ( and keep for the next 10 years). The problem is technically it is at its ...

Like inflation , Living Standard can be a big number where GDP, poverty rate, income growth inequality, life expectancy are involved. But as far as personal finance is concern, what you should really care is your very own personal living standard. Simply put, living standard is your ability to sustain how you live your life. At one hand this can be calculated very much similar to Living Cost and the increase of living cost over time is inflation. So is living standard the same as inflation ? But it should be the opposite instead. One would want lower inflation but higher living standard. So what has gone wrong in the formula ? The keyword is " ability ". If you are NO longer ABLE to sustain how you live your life when inflation kicks in, you are facing the risk of lower living standard. Inflation is an external factor. Your ability to fight the inflation will determine your living standard. When your ability increases faster than inflation, your living standard is ...

Just came back from Jupuiter Online seminar, some of their stock picks for the year of 2010 are: Zhulian Faber WellCall Holdings Sapura Crest Atrium REIT TSM Global Paramount Corp Kurnia Talk given by: Pong Teng Siew. Actually he mentioned these are short to medium terms recommendation only ie. next month to next quarter or so. Overall there are many uncertainties ahead that the bullish trend is really questionable. Hence generally there will be a correction in the market soon, followed by a mainly side trends for the next 2 years. A few points that I manage to digest are: Governments backup funds are ending in mid or end of the year, banks are not likely to recover fully and able to stand on their own yet. USA employment rate is actually higher than reported figures because the number of people claiming un-employment insurance are still rocket high. A lot of part time workers are actually un-willingly working part time but forced to. China rising inflation may result them pulling b...

In 2009 , about 10 mutual funds thats worth looked into were selected out of 530 choices in Malaysia. Today lets take a look at how they performed in the past 6 months. Below chart shows their respective return in percentage. From past 1 day, past 1 week, past 1 month etc. The actual percentage return is NOT important here. We are comparing fund performances across different fund managers. What we are looking for is a graph that consistently stay above the others. That would give an indication of "consistently outperform the others". The most apparent winner is OSK Equity Fund and the worst is Public Ittikal. However, this does not imply anyone of them is better than another. The market has been trending up generally. OSK is well verse in stock market and therefore able to catch most of the up trend. Public Ittikal on the other hand only deals with halal and safe instruments. You can be assured that both of these funds are very strong in their fundamentals. However...

I have stopped stock market talks for a while based on comments received in the past. But about 20% of the old readers unsubscribed following that. So I am guessing there may still be some silence readers who love stock market talks. And I feel very itchy not to share my view seeing that no one else publishes my opinions. So pardon my incidental randoms. As some may have known by now that KLSE is damn HOT now! Axiata, PBBank, KYM, RCECAP, LIONDIV, LIONIND, MBSB, AFG etc. all shoot up 8-12% in a day. This has happened since 2 days ago KLSE finally broke its 1300 ceiling after 10 months of 'recovery'. Things are indeed great. But you may want to know a few things; Despite higher closing price, MORE number of stocks are dropping THAN rising, 2 days in a roll. This may imply that only a few stocks are being speculated. Investors may even withdraw from other stocks in order to join the hot stocks growth. This also shows that there is NOT ENOUGH investment money flowing with...