akaun EPF/KWSP ANDA MEMENUHI SIMPANAN MINIMUMKAH?.....IF YOU ARE 40 YEAR-OLD, YOUR ACCOUNT SHALL BE RM86000 ...........BUT TODAY ECONOMIC SITUATION SO BAD.........HOPELESS.....

宗教可以很轻松， 不要像搞事者搞到自己乱七八糟，笑死人

全面禁止使用宗教冠名， BANK ISLAM 应该改名。。。。请问可以有BANK KATOLIK 吗？

人人都在谈搞好经济

只有傻佬才会搞事

背后都是污桶肥脚党在搞事

国人应该在国会或立法禁止

以宗教之名， 作为党及公司名字

BANK ISLAM  应该用其他名字

不可以在

商业用宗教名字

同样的


政党不可以宗教冠名

在这一两年内

快速立法全面禁止

宗教名字的银行、政党


污桶和回叫党

是搞事王

专门搞事

浪费大家的时间

STOP USING RELIGIOUS AS NAME OF BANK, ENTITY, POLITIC PARTY

CAN PARTAI KATOLIK, PARTAI KRISTIAN,
PARTAI BUDDHA DITUBUHKAN??
NO
NO PARTY SHOULD USE RELIGIOUS AS PARTY NAME.

市场的残酷无情！ 囤积了大量钢材，钢材突然掉价了每吨1000多元。经济危机四伏，不知下一个该谁哭了？ 评：有钱人的哭泣声，特别惊心动魄。因为他们是上游……上游水干了，下游必是一片荒凉。

FGV--RM1.08..............AISAN PLANTATION IN SARAWAK............MISTRY ....SPRM HAVE TO CHECK ALL BUSINESS ....OF ASIAN PLANTATION FROM YEAR 2000 UNTIL NOW........VERY SUSPICIOUS.....????

At TP of RM1.08 is based a price to book of 0.7x, which implies a 30% impairment to FGV’s shareholders’ funds of RM5.6bil.

Streets have also lowered FGV’s FY19F net profit growth by 50.8% to account for their earnings revision of MSM Malaysia.

FGV would be taking legal action against 14 former employees for losses suffered from failure to discharge fiduciary duties in respect of the acquisition of Asian Plantations Ltd (APL) in FY14. 

(WHY? HOW?..MISTRY...)

FGV is seeking damages of RM514mil, amongst others. FGV said that it is assessing the financial damage from this litigation.

There are several issues here.

First, observers believe that FGV would be recording asset impairments higher than the original RM300mil that was guided. Previously, FGV said that it would not be making impairment for APL.

APL has 12,161ha of oil palm estates in Sarawak. Assuming APL is impaired by RM514mil, this coupled with the previous guidance of RM300mil, means that there could be a total impairment of RM814mil, which is 14% of shareholders’ funds.

Second FGV said that it has completed forensic investigations on the acquisitions of Troika condominiums, FGV Cambridge Nanosystems and lease of company cars. The forensic investigations on the acquisitions of FGV Green energy and Yapidmas Plantations in Sabah are not completed yet.

It is believed FGV had already recorded impairments for its investment in FGV Cambridge and Troika condominiums in its previous financial statements. However, it is unsure if there would be more impairments to come if FGV decides to take legal action.

Apart from the above two, FGV is also investigating its internal processes. These include direct award of procurement practices and opening of credit lines to customers.

RHB IN BAD SHAPE...HUGE PROBLEMS

On that note, EPF has a brewing problem at RHB Bank. The rapid departure of many key staff did not happen just the last few months. 

You can trace it back as far as two years but NOTHING changed. 

As a cursory member of the financial industry, one can see that there are huge problems at RHB. 

Anecdotal hearsay: too many decisions done by committees, HR is the most powerful department there (not in a good way), the old guard act like gatekeepers and not many are keen to stick their necks out for taking on more risks. 

Only now we are talking about changing CEO. 

In my view, not just the CEO but probably another 10 top people there needed to go as well.


http://malaysiafinance.blogspot.com/2018/11/khazanahs-portfolio-assessed.html

【星島日報報道】港股走勢反覆，恒指新報25723，倒升90點或0.35%；

【星島日報報道】港股走勢反覆，恒指新報25723，倒升90點或0.35%；國企指數新報10456，升15點或0.15%，成交金額646.22億元。(nc)

美国高盛， 还是鬼盛集团。。。。。金融界的魔鬼 financial GHOSTMAN IN MAKING

GOLDMAN HAVE TO TAKE AT LEAST 1 YEAR TO
INVESTIGATE......LAH


AND MAY BE MORE TIME NEEDED...........

DOCUMENTS-WISE.....PAPER BY PAPER......


NOT EASY........................................................

AND FINALLY

MAY BE ..............................................................

NO CASE..................................................................

TIME FLIES...............................................................BYE-BYE

投资故事

ng Wai2018年11月7日 上午6:27

講開商場，講一單真人真事，我香港一位舊同學母親20幾年前睇報章投資版介紹，用30幾萬買咗深水埗白田商場二樓一間舖，個間商場冇乜人流，好難經營租出冇耐租客執笠，丟空的時候多，有次租了比一租客賣鹹碟鹹帶，剛好個次我回香港和他飲茶，飲完茶之後他叫我和他一齊去收租，條友話生意唔好冇銀両交租，叫朋友遲些少再來收，仲叫我幫襯買幾隻鹹碟有折扣喎，間舖賣來賣去賣唔出，冇升值過，以前睇過一週刋報導一風水婆推介大陸商埸舖，好多香港人北上買咗，之後發覺冇人流冇租客，掉得斧頭掉唔到柄，欲哭無淚。

好的商場係唔會出售，好似新鴻基的優質商場，全部是出租的，呢度也是差不多，不是你有錢想租就租，要評估租客承租能力商譽品牌。

恐懼會阻止交易者入場，並導致他們過早離場。如果投資者過於關注投資的潛在虧損和風險，那麼就會常常錯過好機會。

01、創建錯誤的預期

許多新手交易者可能認為賺錢很容易，特別是當他們使用免費練習賬戶的嘗試經紀商服務時。然而，如果這些交易者設法獲得突然性的可觀回報，這可能會讓他們認為交易是一項簡單的職業——在這一職業中，交易者只需付出很少的努力，就能迅速產生收入。對於沒有經驗的人來說，一次好運氣可能會讓人覺得，市場投機是成功和財富的關鍵。不幸的是，當這些缺乏經驗的投機者離開虛擬投資環境，決定開始進行實時賬戶交易，在市場上用真金白銀冒險時，交易活動就會變得複雜得多。在很多情況下，當日交易表現優異的日子成為過往雲煙，非常突然，令人沮喪——這是進入無情的外匯市場現實的開始。

02、真實交易與模擬交易

當新手交易者從他們的模擬交易賬戶轉換到真實資金交易時，他們進入了開始交易最困難的一步：交易心理。

換句話說，在沒有虧損風險的情況下進行交易可能很容易，但當交易者將辛苦所得投入交易時，可能會將關注焦點和價格目標拋到九霄雲外。

通常情況下，使用模擬賬戶的交易者會感到相對舒服，即使市場運行方向與其頭寸方向相反。這使其能夠專注於自己的價格目標，等待市場朝著預期的方向發展。由於與“虛擬資金”沒有什麼關聯，個人情感不會介入。但是很可惜，當交易者的行為影響到其個人資產的盈虧時，他就不太可能如此有條不紊地行事。

03、情緒可以支配交易

情緒是交易者最大的敵人，經常會導致錯誤的判斷和虧損。

心理學家Roland Barach在其著作《思維陷阱：開啟投資成功之門的鑰匙》（1988）中稱，情緒催生了“思維陷阱”。Roland Barach提供了88條經驗教訓，解釋了眾多交易者面臨的陷阱，比如恐懼和貪婪。

貪婪

即使價格下跌，貪婪也會導致交易者持有頭寸的時間過長，以期價格上漲。這種情緒一直是很多交易者從大盈到大虧的主要原因。為了克服這種情緒，試著客觀地看待你的頭寸背後的原因。當你的頭寸經歷了一次大幅上漲時，自問最初投資的原因是否依然存在，如果答案是否定的，那麼可能是時候結束或削減頭寸了。

恐懼

恐懼會阻止交易者入場，並導致他們過早離場。如果投資者過於關注投資的潛在虧損和風險，那麼就會常常錯過好機會。

此外，如果交易者更容易受到恐懼的影響，可能會因為害怕失去已經獲得的收益而過早地離場。在很多情況下，這會阻礙交易者獲得更多的盈利。

過度分析

過度分析是一種有趣的現象，在分析一項潛在投資的全部細節時，交易者非常全神貫注，以至於從來沒有真正啟動過交易。在這種情況下，經常發生的情況是，投資者會不斷質疑分析中發現的所有細節，試圖對狀況進行完美的分析。實際上，這是一個不可能完成的任務，會阻礙交易者通過交易獲得盈利和經驗。

還有其他各種各樣的情緒也會支配交易者，但對任何市場參與者來說，重要的是要識別這些情緒。

04、了解你的情緒

所有交易者都會經歷至少一種思維陷阱，但最優秀的交易者會學會識別、理解和中和它們。這一過程是任何交易者培訓的基礎。

因此，如果你想成為成功的交易者，應該先花些時間去了解你自己以及你容易陷入的思維陷阱。成熟交易者往往有控制自己情緒，防止其影響業績的強烈願望。

05、交易涅槃

交易者是人不是神，因此在交易中可能不存在完美。

然而，當交易者學會管理自己的情緒時，就可以實現有利可圖的交易。這對一些人來說很容易，但對一些人較難，只有通過積累市場經驗才能培養這種技能。

因此，在你學會如何盈利之前，必須承擔一些風險(或者至少要進入市場)，學會控制盈利(有時是虧損)所帶來的情緒。

NEW WAY TO BUY A HOUSE/PROPERTY

Buying a Home

For most of us, homes are probably the single largest 

investment we will make in our lives. However, increasing 

property prices, the inability to obtain a mortgage and other 

financial burdens coupled with the rising cost of living are

just some of the problems we face.

FundMyHome aims to help address these problems by

bringing first-time homebuyers and property investors 

together in a mutually-beneficial relationship. Buyers 

only need to make a one-time payment (20% of 

property price) to own a home without the burden of

monthly repayments.

The rest of the money (80%) would come

from contributions by institutional funders.

Find a home

Choose from list of participating homes

Pay only 20%

Institutions contribute 80% so Buyers have no repayments.

Move into YOUR home!

It’s yours now. Live in it or rent it out. It’s your choice!

In year 5, stay or sell

Refinance or sell the home. Contributors get a share of capital gains when you sell.

GOOD FOR MALAYSIA PROPERTY MARKET