myLIFEinvest

Thestar: Saturday August 14, 2010 By JAGDEV SINGH SIDHU jagdev@thestar.com.my Large percentage of property loans may be a problem if recession hits THE surge in property prices has created a fresh avenue for investors wanting to make big bucks, but it is also creating a huge future problem that if left unchecked, can spell trouble for households, banks and the overall economy. The robust property market has seen the percentage of property loans to total loans in the banking system rising well beyond the levels seen during the 1997/98 Asian financial crisis. The growth in house purchases is said to be among the largest contributors to the tremendous build-up in household debt over the past 10 years. Those concerns, for now, are being overlooked as the sector has not yet showed signs of strain. For those investing in property as a means of investments, it has yielded huge gains. “I have made more money from property than from stocks,’’ says one retired analyst, who has been ...

Let see, how these small cap progressing... make ur own homework.... -- OSK announced 50 Jewels 2010 few days ago. These 50 are small capital companies with more than 1.5 billion capital, raise from 1 billion capital from previous year. These companies are expected to grow and give 5 to 15 percent return in 2010. Below are OSK top 10 picks.   credit via business time Besides these 10 top picks, there are still 40 more stocks selected  by OSK which expect to perform well in 2010. Below are OSK 50 jewels in 2010. OSK 50 JEWELS 2010 1. ADVENTA 26. KPJ 2. AEONCR 27. LEADER 3. AJIYA 28. LIONIND 4. ALAM 29. LITRAK 5. AXREIT 30. MASTEEL 6. CBSTECH 31. MAMEE 7. CENTURY 32. MBMR 8. CIHLDG 33. MSPORTS 9. COASTAL 34. NAIM 10. DELLOYD 35. NHFATT 11. EFFICIEN 36. NOTION 12. ENG 37. NTPM 13. EPMB 38. PADINI 14. EVERGRN 39. PANTECH 15. FABER 40. PELIKAN 16. FREIGHT 41. PLENITU 17....

LEVERAGING FULLY ON NICHE AREAS 35. We must intensify efforts to fully leverage on the potential of sectors in which we have the advantage, including the services sector. To date, the contribution of the services sector to GDP is 58% and has the potential to be developed further. Thus, we have to focus on niche areas with potential and move up the value chain as well as generate higher returns. The areas include tourism, information technology and communication (ICT), finance and Islamic banking, halal and green technology industries. DEVELOPING GREEN TECHNOLOGY 54. Green technology has the potential to become an important sector in economic development. Towards this, the Government launched the National Green Technology Policy in August. The objective of the policy is to provide direction towards management of sustainable environment. To further promote the development of green technology activities, the Government will: First: Restructure the Malaysia Energy Centre as ...

10MP Illussion??? Thestar: Saturday June 12, 2010 By JAGDEV SINGH SIDHU jagdev@thestar.com.my Will the 10th Malaysia Plan put us on track to high income status? ON paper, it seems promising. But will it fall short on execution? That question may seem like a cynic’s oft-quoted critique, but it resonates with the sentiments of the general Malaysian populace who were over the week given large doses of information on how the Government plans to steer the country towards a high income nation. All of that – and some – were encapsulated in the 420-page 10th Malaysia Plan. For starters, the broad plan sets a target growth rate of 6% per annum over the span of 2011-2015 to bring the country closer to its aspiration to turn into a high income nation by 2020. The Government will fork out some RM230bil on development, just as it did in the Ninth Malaysia Plan (9MP). Prime Minister Datuk Seri Najib Tun Razak tabling the 10th Malaysia Plan in parliament on Wednesday.   Essen...

What is going on with government budget and spending? What cause defisit? To reduce impact to government servant, lets revise again government salary make it more higher. It is showed that only 3 million pay tax from 11million workers, strange isn't it? To get more money forgovernment the best way to do are: i) create more tax such gst, married tax, child tax and etc.. ii) currently government servant more than 70% from their income excluded from tax, compare to private workers only 10%-20%. To get more tax pay, government servant shouldn't pay any income tax and make public servant paid income tax 100% from their income without any rebate or etc. iii) all basic amenities such medication, education, security and etc provide free to public servant and private workers must pay without any subsidy provided. iv) increase water and electricity tariff; and petrol/gas must be higher at least equivalent  to singapore rate. To ease government servant, new allowance must be introduced su...

Assalamualaikum w.b.t., Selamat Bercuti Hari Pekerja! Selamat Melabur! Berhati-hati Dengan Sindrom May! Sebulan lamanya tiada sebarang penulisan diposkan. Taksiran cukai LHDN  untuk individu juga telah ditutup pada 30 April 2010 yang lalu. Semoga pelepasan cukai telah dimaksimakan. Apakah tindakan kita selanjutnya untuk memastikan kita mendapat lebih nilai dari pendapatan kita yang masih dipegang oleh LHDN dari PCB belebihan yang telah kita keluarkan?  Ada dikalangan kita masih tidak menuntut pembayaran semula dari LHDN lebih 2 tahun atau sebagainya. Bayangkanlah berapa banyak wang amda telah diniagakan oleh LHDN tanpa anda dapat sedikit pun manafaatnya. Lainlah, jika keuntungan yang diperolehi dari pelaburan itu dikongsi dengan anda dan dicarumkan semula kedalam akaun PCB anda. Pada pandangan saya, tak perlulah kita bermimpi disiang hari. Saya mengesyorkan segerakanlah membuat tuntutan  mana-mana yang masih belum dikembalikan kepada anda. Bayangkanlah jika RM10,00...

The Star: Wednesday March 24, 2010 Personal Investments - By Ooi Kok Hwa Despite investing in profit-making companies, a lot of investors have been complaining that they are not getting the desired returns from the companies that they have invested in. One of the main reasons is that these companies usually pay very low dividends or no dividends to their investors. Hence, even though these companies make good profits from their businesses, they are not sharing the profits with their minority investors. Companies that pay good dividends to their investors imply that the major shareholders of these companies are willing to share their wealth with minority investors. Given that minority investors have no control over these companies, they have only two sources of returns from their investments, namely dividend returns and capital gains. If the companies refuse to reward their investors with good dividends, then investors need to make sure that they buy low and sell high in o...

Assalamualaikum w.b.t., For reading pleasure. ----------------------------------- by Ken Clark Thursday, July 23, 2009 provided by There's something about the idea of doubling one's money on an investment that intrigues most investors. It's a badge of honor dragged out at cocktail parties, a promise made by over-zealous advisors, and a headline that frequents the cover of some of the most popular personal finance magazines. Where this fixation comes from is anyone's guess. More from Investopedia.com: • In Depth: How To Make Your First Million • In Depth: Learn to Invest In 10 Steps • In Depth: 8 Ways To Survive A Market Downturn Perhaps it comes from deep in our investor psychology; that risk-taking part of us that loves the quick buck. Or maybe it's simply the aesthetic side of us that prefers round numbers - saying your "up 97%" doesn't quite roll off the tongue like "I doubled my money...

MalaysiaFinance: 19/Mar/2010 You gotta love it how more and more people just seem to join the chorus once somebody with some credibility says something interesting. China is in the midst of "the greatest bubble in history," said James Rickards, former general counsel of hedge fund Long- Term Capital Management LP. Who is Rickards??? Why is he saying things at all? He's just the counsel at what was the biggest collapse in the 90s.... aahhh. The Chinese central bank’s balance sheet resembles that of a hedge fund buying dollars and short-selling the yuan, said Rickards, now the senior managing director for market intelligence at McLean, Virginia-based consulting firm Omnis Inc. Rickards joins hedge fund manager Jim Chanos, Marc Faber and professor Kenneth Rogoff in warning of an overheating and potential crash in China's economy following a rally in stock and property prices. Now even the World Bank has chimed in to say the same thing. Are we headin...