Assalamualaikum w.b.t.,

Hidup di dunia yang sementara ini banyak mengabui mata kita tentang matlamat kehidupan yang sebenarnya. Kita semakin terdesak dengan himpitan kehidupan dan berlumba-lumba untuk mencari kehidupan yang lazimnya lebih menampakkan keduniaa semata-mata.
Apakah ada di antara pelaburan yang semakin hari semakin kurang diberikan tumpuan? Namun, apakah kita menidakkan keperluan yang perlu kita sediakan di dunia bagi persediaan akhirat? Bagaimanakah pula pelaburan di dunia yang wajar dilakukan untuk persediaan akhirat kita? Wajar rasanya kita sama-sama bincangkan dan jadikan maklumat bersama ini sebagai panduan kita merentasi dunia untuk menempah tempat yang selesa di akhirat kelak, insyaallah.

Pandangan serta komen rakan-taulan, pak-pak ustaz, profesionalis, akauntan, hartawan, dermawan, pak/mak wan dan sebagainya boleh dikongsi untuk dijadikan panduan disamping memperkuatkan ukhwah sesama kita. Sila diemailkan pandangan anda ke

Pemberitahuan: Semua maklumat di blog ini adalah pandangan peribadi melainkan dinyatakan sebaliknya. Sila rujuk kepada institusi atau badan yang berkaitan untuk maklumat lebih lanjut. Sebarang rujukan dari blog ini adalah risiko sendiri.Pengarang tidak bertanggungjawab di atas sebarang masalah yang timbul disebabkan oleh bahan diblog ini.

Tuesday, June 28, 2011

Lets see what - Economists expect interest rates to rise

Lets see what is the economissssst  view for inflation below. What will rise or rose?

1) Inflation probably in june from 3.2 to 3.5%? due to electric tariff and non-food price hike (housing? etc!)

2)  June 1, electric hike avg. 7.12%? Why tenaga share still no momentum?

3) Expected BNM interest rate to rise 25 basis to 3.25% between july to sept?

4) RON97 up 20cent in may to rm2.90, goods price up, housing and construction cost up but in jun  down 10cent to rm2.80, goods price did not down. Why? What will happen if in july up again 10cent?

Thestar: Tuesday June 28, 2011


Different views on inflation pressure

PETALING JAYA: Inflation will most probably rise in June, driven by increasing non-food prices and the electricity tariff hike. But economists are mixed on the longer-term trend of inflation as global energy prices have started to recede.
May's inflation, up from 3.2% in April, also marks the highest rise since March 2009.
“Inflation is increasingly becoming a nuisance ... We expect inflation to further gain momentum in June, following the electricity tariff hike for the first time in three years. This will see some levels of transfer pricing to end-users by business,” said MIDF head of economics Anthony Dass.
He expects June inflation to hover around 3.5% as prices of housing, utilities and fuels continue to add pressure. Effective June 1, the average electricity tariff has been increased by 7.12%.
Thus, Dass expects the overnight policy rate to be raised by another 25 basis points as this will ease inflation pressure and also contain further erosion of the negative real returns now at 0.3%.
“We believe our outlook of a stronger ringgit (of RM3=US$1) and higher base comparison in the second half of 2011 is inadequate to contain inflation pressure,” Dass, who reiterated his 2011 inflation forecast of 3.3% from 1.7% in 2010, said.
Meanwhile, CIMB head of economics Lee Heng Guie believes that inflation pressure will gradually ease off going into the second half, thanks to the easing global oil price. He expects inflation to increase at a slower pace of 3% to 3.2% between July and December, taking inflation to average 3.2% in 2011.
Lee also maintains his expectations that Bank Negara will raise interest rate by 25 basis points to 3.25% in the third quarter. The timing will be a close call between July and September.
“Compared with the previous rate hike in May, we think the confluences of external headwinds have tilted the balance of risk towards the downside for the growth outlook.
“As such, this necessitates a careful assessment on whether the current soft patch will be short-lived or prolonged before making the next rate move,” said Lee.
Taking a closer look at the numbers, core inflation, which excludes changes in the prices of food and energy, headed higher to 1.8% from 1.6% in April as non-core inflation spilt over to the core components. In January to May, inflation increased 3%.
Breaking it down, food inflation eased to 4.5% from 4.9% in April amid higher prices of chicken and sugar, which increased by 20 sen per kg in May.
However, transport prices accelerated to 6% in May from 5.3% in April, driven by the 20 sen price hike in petrol RON97 on May 5.
“We expect inflation to peak in June at 3.4%, reflecting the combined knock-on effects of power tariff hike, the removal of diesel super subsidy as well as costlier fish as fishermen went on strike over diesel subsidy cut,” said Lee.
He said the good news was the 10 sen cut in petrol RON97 in June to RM2.80 per litre would help to offset the price pressure. Hence, price pressures should start to subside in the second half.

Tuesday, June 21, 2011

Patience or Greedy or Doubt??

Lately too busy to monitor my holding.... share... unit trust.... gold investment... (small holding now).

No one knows what will happen to stock but it sign shows something is picking up, but need to monitor closely. Sometimes make people Greedy or Doubt...

For me waiting too long make me tired, doubt.... waiting too long it drop crazily.... sold too early its  fly high...  I sold last 23/march/2011@RM0.195 after waiting for 4 years (bought at RM0.11) but really funny bunny,  its fly to RM0.40 now. Wow! super dupper. Alhamduillah still earn some to counter back to pay for zakat and some pocket money. It's hard to gain but it is Allah s.w.t. fate. So pray for your rezeki... It is always there, small or big, we should syukur what ever we get. Thank you Allah! Alhamdulillah...

sold23/mar/2011 Digistar-wa 0.110   bought  13/4/2007 16000 1760.00 0.195 3120.00 1360.00 77.27


Symbol & Code : DIGISTA-WA (0029WA)
Board : MESDAQ
Industry : Technology

Prev Open High Low Last Change % chg Volume

0.4 0.41 0.425 0.4 0.41 0.01 2.50 41389


Saturday, June 18, 2011

Wow! Most likely government servant will have salary adjustment again for year 2012.

There are rumours spreading around that most likely government servant will get salary adjustment for year 2012. 

Lembaga Hasil Dalam Negeri (LHDN) it is said that already been approved for salary adjustment for around 35% started 2012. Currently LHDN new intake (degree holder) starting salary at RM3700.00 + others perk. It is also believed that others government department also will be adjusted around that figure as well.

Do you believe this will happen? 

If this really happen, I would like to suggest to all, lets apply for government related department position. It is inflation free and won't affect your living lifestyle once rising of goods price due to reason that the ruler want us to believe for happened.

Now, what I pray, hope able to adapt with this crazy rising of goods price. And pray for total change from blood sucker ruler to new ruler that able to be fair to everybody. Hope Allah s.w.t. bless me. Amin.

Thursday, June 16, 2011

Pressure is on for Govt to check its expenses

 Waiting for check and balance?  It can be done if... and if.... we have BERSIH ruler... and not a blood sucker ***. How good is your pay after higher income tax rate and a double standard system of tax relief between public and private sectors? Should tax change to zakat at 2.5% rate  to be fair for everybody. Work hard, day and night just to pay a blood sucker double standard income tax. PITY... ME....

Thestar: Thursday June 16, 2011

Making a Point - By Jagdev Singh Sidhu 

JUST in the past few days, Malaysians were given a head-scratching example on how taxpayer money was being used. When it was revealed that RM1.4mil was spent by the Domestic Trade, Co-operatives and Consumerism Ministry on a price comparison website, many argued the price paid to get that website up and running was too high, given its simplistic nature.

Such things have now culminated in the annual reading, and eventually passing of the Supplementary Supply Bill 2011 where the Government will reach into the Consolidated Fund to draw down a further RM13.17bil to add to the budget for 2011.
Under Budget 2011, the Government is planning to spend RM162.8bil as operating expenditure and when adding the extra RM13bil the Government now wants to spend, operating expenditure is forecast to rise to RM176bil.
Under the Bill, an extra RM5.6bil was meant to go toward providing fuel subsidies, which would naturally go up, considering that under Budget 2011 the Government had forecast fuel subsidies to cost RM10bil. But with the price of fuel where it is now, that cost has naturally gone up.
The Bill also saw a number of ministries receive additional allocation ranging from RM5mil to RM1.8bil.
Questions will be asked whether the additional expenditure will lead to a bigger budget deficit, which as of now is forecast to hit 5.4% of gross domestic product this year.
It's not a guarantee that will happen as revenue collection, in years where the economy has been healthy, has been higher than earlier estimated. Revenue collection under Budget 2011 is estimated at RM165.8bil.
The more-than-expected revenue will allow the Government to spend more but the process of taking more money out of the kitty to meet uncounted expenditure is not new and has been going on for years. The problem is that it does not seem to be getting any smaller.
Some have hypothesised that one reason for the additional increase is down to inflation. Costs have gone up and in the current period of higher inflation, what might have been planned earlier might cost more now.
The latest salary increase for teachers might also been a factor in the Supplementary Bill as the Education Ministry, after the Finance Ministry, was the second largest recipient of additional monies amounting to RM1.8bil.
The Government is now looking to rationalise the public service as it too knows that the growth in expenditure caused by the size of the civil service over the years has been tremendous and much of it goes towards paying salaries and pensions.
Should the growth in salaries, pensions and grants not be cut, then the fiscal burden which the Government has endured for more than 10 years will continue to snowball.
Pressure on the need to check expenses also will be greater in a couple of years when Petroliam Nasional Bhd (Petronas) switches its dividend payment to the Government from a flat RM30bil a year to where at least 30% of the company's net profit will be paid as dividend.
This means that should Petronas' annual net profit dip below RM100bil, the dividend the Government will receive will drop. Petronas reported a net profit of RM63bil last financial year.
Worst still, should oil prices retrace significantly back during any future recession, then oil revenue would certainly also fall.
Deputy news editor Jagdev Singh Sidhu wonders what will it take for the budget to ever be balanced?

Thursday, June 9, 2011

TNB buys power from Singapore to ensure supply security

 Now it just happened! Do rumor is still rumor? Gas.... Oh! Gassssss!!!!  You is gassing out of well! Well.... it still okey for our country and very limited won't affect sustainable of our economy. Sustainably should import gas. Gas subsidy is no longer sustainable. Subsidy to people make malaysia economy losing momentum. Losing momentum to whom? To people or self-link-company. Do Malaysian People is a Culprit to Malaysian? I don't believe so... So who is the culprit then??? You answer yourself the answer..... I really don't know...


Thestar: Thursday June 9, 2011


PETALING JAYA: Tenaga Nasional Bhd (TNB) is buying power from Singapore-based PowerSeraya Ltd, a unit of YTL Power International Bhd, as a shutdown of Petroliam Nasional Bhd-owned gas production platforms for maintenance work made worse a dwindling gas supply situation. Chief executive officer Datuk Seri Che Khalib Mohd Noh said in a reply to a StarBiz query that the purchase was made to ensure supply security.
“We're buying 180MW only, which represents 1.5% of total demand,” Che Khalib said.
According to a Singapore Business Times report, the utility firm's purchase, which was extended to June 15, marked the first ever cross-border commercial sale of power between the two countries.
The report said the purchase was made following an approach by TNB in April to Singapore's Energy Market Authority and the generating companies for electricity supply needed to tide over capacity shortages “for a few months”.
This was caused by natural gas feedstock shortages faced by TNB's power stations due to the maintenance shutdowns, which could further reduce by 30% in the May to June period.
Singapore Business Times said TNB initially looked to buy electricity for just a month but persistent gas supply issues had forced the utility firm to extend the purchase.
Analysts believe that the purchase was made in case the coal-fired plants, which together with the gas-fired plants made up the bulk of electricity generating capacity, tripped.
OSK Research Sdn Bhd research head Chris Eng said if this happened, there would be the purchase from SerayaPower to rely on.
He added that gas supply had been tight since April but supply issues would likely ease up this month.
PowerSeraya chief executive officer John Ng was quoted by the report as saying that the amount of electricity exported to TNB was “small” and would come from a designated oil-firing steam plant at a 3,800MW facility.
He declined to go into commercial details of the deal but expressed the view that “we hope it opens the doors for future exports and imports of electricity between the two countries on a longer term basis”.
Previous instances of cross-border electricity exports between the two were only made during emergency outages, although Singapore has sounded out the possibility of the island-republic's generating companies importing electricity in the medium term, as one way to diversify energy options.
Operationally, some 200MW of electricity could be transmitted through two 230kV submarine cables linking Malaysia's national power grid with Singapore's transmission network at Senoko

Wednesday, June 8, 2011

Properties Still Get Attention???

 Nowdays everything that we need in our life rises out of control. How much income you need to live comfortably? Higher income salary stuck in paying higher income tax and at last still equal to medium salary income. Rises of properties price give no choice to us at all. At last we live for only paying debt. With new announcement by GOvernment on buying house incentive, how many of us really can tap the opportunity? Do the package is really want to help us or to aid the self-link-developers or what? Do you believe this is no way out? I believe we still have choice if we change when we got chance to do so. Don't wait any longer. The worst is not over yet, might the worsen is on the way back...

So, let see what OSK believe on properties. Can we rush for the good here??? Think and calculate the risk yourself.... How about self-link-developers UEMLAND..... do still promising???