tag:blogger.com,1999:blog-76145940285375318652024-02-08T13:03:50.986+08:00LiangChai - KLSE 理财部落<strong>理财永远不嫌晚,赚$$$$$$一定有方法!</strong>
<br>
<strong>坚持两个原则:
<br>
1.不买亏蚀公司的股票,除非是在可以预见的将来可以转亏为盈。
<br>
2.不买不派息公司的股票,除非公司具有明显成长潜能。</strong>
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FYI. If my blog can't view with IE8, Kindly use others web browser such as google chrome, maxthon, opera, firefox, IE9 etc... ThanksLiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.comBlogger2996125tag:blogger.com,1999:blog-7614594028537531865.post-71903846600571249522020-04-18T22:38:00.000+08:002020-04-18T22:42:28.312+08:00Eastspring Regular Investment Choice (“RICh”) <div style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px;">
Calling all regular investors! Enjoy 1.9% more units when you start investing with Eastspring Regular Investment Choice (“RICh”) via myEastspring for a minimum of 3 consecutive months.</div>
<div style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
Offer valid from 1 April 2020 till 31 December 2020.</div>
<div style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin-bottom: 6px; margin-top: 6px;">
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<span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t7b/1.5/16/2728.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">✨</span></span>投资没捷径,必须按部就班,稍安毋躁,慢慢累积财富<span class="_5mfr" style="font-family: inherit; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/tb3/1.5/16/1f4b0.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">💰</span></span><br />
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<span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">快讯</span><span class="_5mfr" style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px; margin: 0px 1px;"><span class="_6qdm" style="background-image: url("https://static.xx.fbcdn.net/images/emoji.php/v9/t63/1.5/16/26a0.png"); background-repeat: no-repeat; background-size: contain; color: transparent; display: inline-block; font-family: inherit; font-size: 16px; height: 16px; text-shadow: none; vertical-align: text-bottom; width: 16px;">⚠️</span></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">今天卫生部长拿督斯里阿汉峇峇证实我国出现2宗新冠肺炎</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">确诊死亡案例(第178宗和第358宗)!今增添120</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">宗,以致我国累计673宗确诊病例。</span><br style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">首宗死亡病例为第178案例,为34岁马来西亚人,曾参</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">加大城堡清真寺的万人宗教集会,并未患有任何慢性疾病。</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">3月5日开始出现症状,12日确诊,今天在柔佛柏迈医院</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">去世。</span><br style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><br style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">第二宗死亡案例为第358案例,也就是早前砂劳越政府证</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">实的60岁牧师,患有慢性疾病;3月7日出现症状,14</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">日在砂劳越中央医院接受治疗,因情况恶化之后被送入加护</span><wbr style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></wbr><span class="word_break" style="background-color: white; color: #1c1e21; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"></span><span style="background-color: white; color: #1c1e21; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">病房,并在今日去世。</span><span class="text_exposed_show" style="background-color: white; color: #1c1e21; display: inline; font-family: Helvetica, Arial, sans-serif; font-size: 14px;"><br /><br /><a class="_58cn" data-ft="{"type":104,"tn":"*N"}" href="https://www.facebook.com/hashtag/onefm?epa=HASHTAG&__xts__%5B0%5D=68.ARDXQutnReOwD-W3kQ4pFjzkw4FQvhWKrl8oK1tWa8e8Duj2olrkxTMW_tYRyk7s2zLuGJJATrIwU4MQ-Nun2nJELRO7IDZZ-_VccQmGdZJSTUSyanjDcrSmFkJE7UncKScSVWUneH0gJLBMPlNvWE4iGsO5CbmdKC4hkycv8iJFlikazs2sutxTf41PKr-MIlVg9__FIth-7JgGbmDhijSvVKWfahY9YdnErZetN32mzWHGHqajcenMxAGg1KQwG1_BYNL1xYLXCCBk8msBNq8D4e24VrCwvVCPAg4UCMVheEx20WDpTJn29URYCoq2QGpY_GBl5MqWHTrqyg8eFK4ovJGUmoikwR8GtOP7n7JsyopMDaxvrWzWG4A&__tn__=%2ANK%2AF" style="color: #385898; cursor: pointer; font-family: inherit; text-decoration-line: none;">#OneFM</a> <a class="_58cn" data-ft="{"type":104,"tn":"*N"}" href="https://www.facebook.com/hashtag/covid19?epa=HASHTAG&__xts__%5B0%5D=68.ARDXQutnReOwD-W3kQ4pFjzkw4FQvhWKrl8oK1tWa8e8Duj2olrkxTMW_tYRyk7s2zLuGJJATrIwU4MQ-Nun2nJELRO7IDZZ-_VccQmGdZJSTUSyanjDcrSmFkJE7UncKScSVWUneH0gJLBMPlNvWE4iGsO5CbmdKC4hkycv8iJFlikazs2sutxTf41PKr-MIlVg9__FIth-7JgGbmDhijSvVKWfahY9YdnErZetN32mzWHGHqajcenMxAGg1KQwG1_BYNL1xYLXCCBk8msBNq8D4e24VrCwvVCPAg4UCMVheEx20WDpTJn29URYCoq2QGpY_GBl5MqWHTrqyg8eFK4ovJGUmoikwR8GtOP7n7JsyopMDaxvrWzWG4A&__tn__=%2ANK%2AF" style="color: #385898; cursor: pointer; font-family: inherit; text-decoration-line: none;">#COVID19</a> <a class="_58cn" data-ft="{"type":104,"tn":"*N"}" href="https://www.facebook.com/hashtag/%E6%96%B0%E5%86%A0%E8%82%BA%E7%82%8E?epa=HASHTAG&__xts__%5B0%5D=68.ARDXQutnReOwD-W3kQ4pFjzkw4FQvhWKrl8oK1tWa8e8Duj2olrkxTMW_tYRyk7s2zLuGJJATrIwU4MQ-Nun2nJELRO7IDZZ-_VccQmGdZJSTUSyanjDcrSmFkJE7UncKScSVWUneH0gJLBMPlNvWE4iGsO5CbmdKC4hkycv8iJFlikazs2sutxTf41PKr-MIlVg9__FIth-7JgGbmDhijSvVKWfahY9YdnErZetN32mzWHGHqajcenMxAGg1KQwG1_BYNL1xYLXCCBk8msBNq8D4e24VrCwvVCPAg4UCMVheEx20WDpTJn29URYCoq2QGpY_GBl5MqWHTrqyg8eFK4ovJGUmoikwR8GtOP7n7JsyopMDaxvrWzWG4A&__tn__=%2ANK%2AF" style="color: #385898; cursor: pointer; font-family: inherit; text-decoration-line: none;">#新冠肺炎</a><br />资料来源: <a data-hovercard-prefer-more-content-show="1" data-hovercard="/ajax/hovercard/page.php?id=373560576236&extragetparams=%7B%22__tn__%22%3A%22%2CdK%2AF-R%22%2C%22eid%22%3A%22ARAsCcSAzY2Gtjgt5XGFjRJk0KDMbFfksBiR7098P6ytyI59XYPmWGlsK1MFMWBWvchgJxxitRXp1RTD%22%2C%22directed_target_id%22%3Anull%2C%22groups_location%22%3Anull%7D" href="https://www.facebook.com/kementeriankesihatanmalaysia/?__xts__%5B0%5D=68.ARBSmGuUFA9KieSCHisve3ugJdwpjquLfvN1RxoUBUUkE3PBElnNfiCroXPlk46W_d9XD37GC_OLyDkxIBUzoa3vrcqDvO8WSAM09IXtMbgtA37o0IFBhcgyYeN6u4SAK94dWWEmp_1EZfeRR3IRcn53QbW_csRuswD5zsP-CQKNTrvK9WAT_CtCJ_6wR8dwjOkujNPJrjwPaIDQHMZok2nUhH7t-4KVl-Haq6NXbrcS3NruNfy7J3k4NIehYZDt2BUGx1IgvwWaO0H73sWwnERWyIhCUR6Gd0eiplsacf8TE-puJAx9V-QXZ9R_QWGr0Bh3iv5bdS90HPZ2Yx2CKUutHGMCcYj5Q5fQ_UOk1rRhtA&__xts__%5B1%5D=68.ARDXQutnReOwD-W3kQ4pFjzkw4FQvhWKrl8oK1tWa8e8Duj2olrkxTMW_tYRyk7s2zLuGJJATrIwU4MQ-Nun2nJELRO7IDZZ-_VccQmGdZJSTUSyanjDcrSmFkJE7UncKScSVWUneH0gJLBMPlNvWE4iGsO5CbmdKC4hkycv8iJFlikazs2sutxTf41PKr-MIlVg9__FIth-7JgGbmDhijSvVKWfahY9YdnErZetN32mzWHGHqajcenMxAGg1KQwG1_BYNL1xYLXCCBk8msBNq8D4e24VrCwvVCPAg4UCMVheEx20WDpTJn29URYCoq2QGpY_GBl5MqWHTrqyg8eFK4ovJGUmoikwR8GtOP7n7JsyopMDaxvrWzWG4A&__tn__=K%2AF&eid=ARAsCcSAzY2Gtjgt5XGFjRJk0KDMbFfksBiR7098P6ytyI59XYPmWGlsK1MFMWBWvchgJxxitRXp1RTD" style="color: #385898; cursor: pointer; font-family: inherit; text-decoration-line: none;">KEMENTERIAN KESIHATAN MALAYSIA</a>、星洲日报</span><br />
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<span class="text_exposed_show" style="background-color: white; color: #1c1e21; display: inline; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">**LiangChai: </span><br />
<span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Please guys, it’s critical !</span><br />
<span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Please</span><br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Stay at home</span><br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Stay at home</span><br style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;" /><span style="background-color: white; color: #1d2129; font-family: Helvetica, Arial, sans-serif; font-size: 14px;">Stay at home</span><br />
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<br /><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-56863573007180583552020-03-03T18:18:00.002+08:002020-03-03T18:18:35.663+08:00不要放弃,马来西亚<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9UezzXQ8LbZbNPN7t73kz92ijzSl4n9J0XYb6yhENAOWFSk_Q-mchVdz0un4neVD-Y0oMUlKS8c_i_ksGad1znjREt7JTuN0sl8jogpFVqLdy8vS4YIGTEctZjU1n_C_RXNfJ3D44xzN7/s1600/Malaysia.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="327" data-original-width="569" height="366" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi9UezzXQ8LbZbNPN7t73kz92ijzSl4n9J0XYb6yhENAOWFSk_Q-mchVdz0un4neVD-Y0oMUlKS8c_i_ksGad1znjREt7JTuN0sl8jogpFVqLdy8vS4YIGTEctZjU1n_C_RXNfJ3D44xzN7/s640/Malaysia.JPG" width="640" /></a></div>
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<span style="box-sizing: inherit; font-size: 14pt;">不要哭泣,马来西亚。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">没被偷过、抢过就不算马来西亚人,只不过以前损失的是私人财物,现在是整个政府。回想当初有人打爆你车镜偷走电脑的那几天,你必然很懊恼,可是你会不会生气得说:“买电脑有什么用?最后还不是给人偷走?”</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">在气头上会说气话,就好像这几天有好多网友在控诉:”投票有什么用?”言下之意,是放弃。电脑被偷,你生气的对象居然不是小偷,而是电脑。</span><span style="box-sizing: inherit; font-size: 14pt;">这样的气话会让我担忧。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">投票当然有用。十年前,你用选票表达不满,削弱执政党,给予反对党信心,为变天铺路;两年前,你手中的选票终于让国阵下台,让你见证大马史上第一次政权转移。今天,你看到</span><span style="box-sizing: inherit; font-size: 14pt;">一群在上届大选失势的政客,为了自救不惜破坏民主原则。你看,你两年前的选票到此刻还有影响力,它逼得这些人的</span><span style="box-sizing: inherit; font-size: 14pt;">狰狞面目无所遁形。他们以后再也骗不了你了,下届大选,你的选票必然会再次发挥效用。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">很快你就会觉得生活还是要继续,不过我相信你永远不会忘记今年的二月。亲爱的同胞们,离开下届大选还有三年,接下来的日子要怎么过呢?安静的过、和谐的过。过去的希盟政府或许有些缺点,但诚如蔡添强对我说的,至少保证言论自由。如今政府一换,我马上就从政治圈的朋友中收到风声,劝我慎言。是啊,我也要过日子,可是我安静不下来,说话修饰一下就好,安而不静吧!可是你啊,就不好在网上太直接地开骂了。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">和谐的过。朋友,我读到你那些针对他族的言论,我很担心。我们一同在这片国土生活了一甲子,是朋友、是战友、是邻居、是马来西亚人,许多表象上的分歧,是政客制造出来的,用以分化我们,利用我们之间的猜忌,达到他们的私人目的。接下来,他们依旧会挑起宗教、种族课题,这个课题影响很大啊!希盟处理不好,让对手一直炒作,有机可乘。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">只要种族议题炒不起来,政客就失掉半盘棋子。朋友,接下来的日子,多结交友族朋友,多听听他们的心声,多告诉他们你的心声。也不是为了大选还是什么的,一家人本来就应该多多沟通。避免在社媒隔空开骂,你也有影响力,会使得社群的裂痕加深。最近马来报界前辈前辈希沙慕丁推动“卸下仇恨,和谐大马”运动,要把魔咒般的513再造成大马和谐日,我非常认同,希望各界能响应。这项提案,在数周前本已获部长答应会带入内阁讨论。后来,内阁换了。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">接下来的日子,除了多交朋友,就是多读书了。读书长见识,视野开阔,就能从不同的视角看事情,能明白友族和你一样,有类似的担忧;读书</span><span style="box-sizing: inherit; font-size: 14pt;">长智慧,能抗衡政客的谎言。这样,待时机成熟,再做出你认为正确的选择,选择一个你要的马来西亚。</span></div>
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<span style="box-sizing: inherit; font-size: 14pt;">不要放弃,马来西亚。</span></div>
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<em style="box-sizing: inherit;"><a href="https://www.chinapress.com.my/20200303/%E5%91%A8%E8%8B%A5%E9%B9%8F%EF%BC%9A%E4%B8%8D%E8%A6%81%E5%93%AD%E6%B3%A3%EF%BC%8C%E9%A9%AC%E6%9D%A5%E8%A5%BF%E4%BA%9A/">2020.03.03刊于中国报</a></em></div>
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<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-83814357163317708712019-11-13T14:30:00.003+08:002019-11-13T14:30:37.322+08:00伦敦食品2252万银行贷款违约<div id="dirnum" style="background-color: white; border: 0px; box-sizing: border-box; color: #464646; font-family: "microsoft yahei"; font-size: 16px; list-style: none; margin: 0px; padding-bottom: 0px; padding-left: 5px !important; padding-right: 15px; padding-top: 0px;">
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<a href="https://cdnpuc.sinchew.com.my/pic/2019-11/13/6ecf2b55-9926-4134-897b-4f6ba9c93042858c5598-3412-4620-9680-7c6275b8c66c.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="444" data-original-width="632" height="224" src="https://cdnpuc.sinchew.com.my/pic/2019-11/13/6ecf2b55-9926-4134-897b-4f6ba9c93042858c5598-3412-4620-9680-7c6275b8c66c.jpg" width="320" /></a></div>
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(吉隆坡12日讯)伦敦食品(LONBISC,7126,主板消费产品服务组)由于现金流紧迫,拖欠兴业银行的一笔2251万9667令吉贷款在10月2日宣告违约。</div>
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伦敦食品在文告中表示,该公司已委任清盘师林善平(译音)进行清盘活动,正评估贷款违约带来的冲击。</div>
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该公司在上个月23日宣布,高庭已经批准其债权人委任清盘师,以对公司进行清盘行动。</div>
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该公司文告指出,其债权人盘谷银行及华侨-Al AMIN银行已通知公司,表示已获得高庭批准,以委任过度时期的清盘师以对公司进行清盘活动。公司董事部将全力配合清盘行动。</div>
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伦敦食品因无法支付拖欠科威特金融公司(KUWAIT)的506万令吉贷款,遭科威特金融公司起诉和索偿。</div>
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较早前,伦敦食品也因拖欠加拿大丰业银行(Bank of Nova Scotia)一笔983万令吉的债务,而陷入PN17行列。伦敦食品积极与债主洽谈,以降低对财务的影响。截至3月,该公司债务高达3亿5500万令吉,以致现金流窘迫。</div>
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<span style="border: 0px; box-sizing: border-box; list-style: none; margin: 0px; padding: 0px;">伦敦食品早前在文告中表示,法庭订在10月7日进行案件管理,而该公司有意提呈完整的建议书以重组贷款便利。</span></div>
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<span style="border: 0px; box-sizing: border-box; list-style: none; margin: 0px; padding: 0px;">伦敦食品成立近40年,过去10年,每个季度皆有获利,营运相当稳健,却突然发生债务缠身的问题,令市场备感意外。</span></div>
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<a href="https://www.sinchew.com.my/content/content_2145873.html">文章来源 : 星洲日报 2019-11-13</a></div>
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**LiangChai:</div>
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<span style="color: red;">LONBISC收工!!!!!</span></div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-68880884187273981142018-12-13T00:18:00.000+08:002018-12-13T00:18:02.167+08:00卖辣椒,客人问:辣不辣?该怎么回答?<div style="background-color: white; color: #666666; font-family: Helvetica, Arial, sans-serif; font-size: 12px; margin-bottom: 1em; margin-top: 1em;">
卖辣椒,客人问:辣不辣?该怎么回答?<br />一位卖辣椒的大姐销售技巧!真厉害!</div>
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一位卖辣椒的大姐销售技巧</div>
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卖辣椒的人总会遇到这样的问题,</div>
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“你这辣椒辣吗?”怎么回答呢?</div>
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说辣吧!</div>
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怕辣的人,立马走了;</div>
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答不辣吧!</div>
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也许人家喜欢吃辣的,</div>
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生意还是不成。</div>
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一天没事,我就站在一个卖辣椒妇女的三轮车旁,</div>
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看她怎样解决这个二律背反难题。</div>
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趁着眼前没有买主,我自作聪明地对她说:</div>
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你把辣椒分成两堆吧,</div>
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有人要辣的你就给他说这堆是,</div>
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有人要不辣的你就给他说那堆是。</div>
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卖辣椒的妇女对我笑了笑,轻声说:用不着!</div>
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说着就来了一个买主…</div>
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问的果然是那句老话:辣椒辣吗?</div>
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卖辣椒的妇女很肯定地告诉他:</div>
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颜色深的辣,浅的不辣!</div>
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买主信以为真,挑好付过钱,满意地走了。</div>
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不一会儿,颜色浅的辣椒就所剩无几了。</div>
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又有个买主来了,问的还是那句话:辣椒辣吗?</div>
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卖辣椒的妇女看了一眼自己的辣椒,</div>
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信口答道:长的辣,短的不辣!</div>
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果然,买主就按照她的分类标准开始挑起来。</div>
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这轮结果是,长辣椒很快告罄。</div>
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看着剩下的都是深颜色的短辣椒,我心里想:</div>
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这回看你还有什么说法?</div>
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当又一个买主问“辣椒辣吗?”的时候,</div>
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卖辣椒的妇女信心十足地回答:</div>
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“硬皮的辣,软皮的不辣!”我暗暗佩服,</div>
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可不是嘛,被太阳晒了半天,</div>
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确实有很多辣椒因失水变得软绵绵了。</div>
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卖辣椒的妇女卖完辣椒,临走时对我说:</div>
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你说的那个办法卖辣椒的都知道,</div>
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而我的办法只有我自己知道。</div>
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销售卖什么?<br />1、生客卖的是礼貌;</div>
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2、熟客卖的是热情;</div>
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3、急客卖的是效率;</div>
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4、慢客卖的是耐心;</div>
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5、有钱卖的是尊贵;</div>
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6、没钱卖的是实惠;</div>
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7、时髦卖的是时尚;</div>
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8、专业卖专业;</div>
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9、豪客卖仗义;</div>
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10、小气卖利益;</div>
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11、享受型卖的是服务;</div>
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12、虚荣的客户卖的是荣誉;</div>
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13、挑剔型卖的是细节;</div>
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14、随和型卖的是认同感;</div>
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15、犹豫型客户卖的是保障。</div>
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如果你想要 销售出你的产品,</div>
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你是不是急着告诉消费者你的东西有多好,</div>
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你的东西跟其他的有什么不一样,</div>
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你的东西有多便宜.</div>
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如果你卖东西都是朝着这样的方向在走的话,</div>
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你会发现一定会遇到很多的困难.<br />「公司怎么卖产品,常常跟公司卖什么产品一样重要。」</div>
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别一开始就急着卖产品,</div>
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先问问题,</div>
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听听潜在顾客需要什么。</div>
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一旦知道了潜在顾客的需求,卖东西会变容易啰~</div>
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"转载"</div>
</div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com1tag:blogger.com,1999:blog-7614594028537531865.post-91951931270674720032018-12-12T17:58:00.000+08:002018-12-12T17:58:15.162+08:00嘗試堅持下面8個小習慣,也許你會發現不一樣的自己 ^^<div style="background-color: #f9f9f9; box-sizing: border-box; color: #212529; font-family: "lucida grande", tahoma, verdana, arial, "Microsoft JhengHei", sans-serif; font-size: 16px; margin-bottom: 1rem;">
<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">一輩子太長,一秒鐘太短,滿池荷花盛放的時間30天,不長不短剛剛好。30天就可以培養一個良好的習慣。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;">嘗試堅持下面8個小習慣,也許你會發現不一樣的自己:</span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">01. 把東西放在固定的位置。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">02. 每週鍛煉兩次,每次半個鐘。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">03. 把第二天的計劃寫在日曆上。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">04. 在前一天準備好第二天要用的東西</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">05. 每天閱讀半小時。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">06. 隨身攜帶筆記本。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">07. 每天靜坐冥想五分鐘。</span></span></div>
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<span style="box-sizing: border-box; font-size: 18px;"><span style="box-sizing: border-box; font-weight: bolder;">08. 早起。</span></span></div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-69782629743294619742018-07-10T23:33:00.003+08:002018-07-10T23:33:29.364+08:00赚2700只存100‧极可能一直穷下去!<div class="views-row views-row-1 views-row-odd views-row-first views-row-last" style="background-color: white; box-sizing: inherit; color: #333333; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14.994px;">
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<span class="field-content main-article-summary" style="background-color: #fbfb3a; box-sizing: inherit; color: #555454; font-size: 18px; font-weight: 700; line-height: 27px; padding: 3px 0px;">除了富二代,通通从零出发,哪个年轻人不是一穷二白?这是铁铮铮的事实!既然是事实,不是社会对不起你,是你自己认不清楚现实。</span></div>
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除了富二代,通通从零出发,哪个年轻人不是一穷二白?这是铁铮铮的事实!既然是事实,不是社会对不起你,是你自己认不清楚现实。</div>
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一名大学毕业生找到一份工作,月薪2万7000(台币,下同),月初他算一算支出,最后只能剩下1000元存起来。</div>
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我看完他的支出细项之后,结论是,恐怕不是穷一时,而是要穷一辈子!</div>
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以下是他的账目细项:</div>
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●三餐:9000<br style="box-sizing: inherit;" />●皮鞋:3000<br style="box-sizing: inherit;" />●车辆+维修保养:3000<br style="box-sizing: inherit;" />●杂费:3000(含:健身1100;网络550;水电350;手机400;公交600)<br style="box-sizing: inherit;" />●约会:3000(含:KFC:100元5餐=500元;电影:200元2场=400元;<br style="box-sizing: inherit;" />●周年纪念600;情人节500;过年500;杂费500元)<br style="box-sizing: inherit;" />●父母吃饭:1000<br style="box-sizing: inherit;" />●父母红包:各2000年轻人,穷是有道理的。</div>
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不过,应参透的是,年轻时候的刻苦,是一种自励,才学得会穷则变,变则通。穷一时不可怕,穷一辈子才可怕。</div>
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这份支出细项透露一项讯息:中年之后,他还会继续穷下去。</div>
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<span style="box-sizing: inherit; color: blue;"><span style="box-sizing: inherit; font-weight: 700;">没有进修充电<br style="box-sizing: inherit;" />完全不做自我投资</span></span></div>
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这里面没有一项是进修充电或人脉累积,完全不做自我投资。刚毕业时,起薪低不是问题,就怕不做自我投资,加强技能,提升竞争力,落在薪资M型化的右边一端,从此再也拉不起来。</div>
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遗憾的是,多数上班族缺乏投资自己的观念,他们只想到存钱,抱怨存钱太少,却不想花钱在进修与人脉上。只要是这个部份的支出,就突然脑筋灵光起来,计算投资报酬率,斤斤计较赔钱多少,以及回收遥遥无期。</div>
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<span style="box-sizing: inherit; color: blue;"><span style="box-sizing: inherit; font-weight: 700;">不是薪水低<br style="box-sizing: inherit;" />是价值观让你穷一辈子</span></span></div>
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比如他们经常说:“买书好贵!”</div>
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“补英文?可是我的工作用不到。”</div>
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“学技能?老板又不会因此帮我加薪。”</div>
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相对的,年轻上班族很少用这种心态去计算和朋友吃饭与看电影。比如说:“排一小时队吃一顿饭?可是我的工作用不到。”“花钱看电影?老板又不会因此帮我加薪。”</div>
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想要有钱,先从赔钱开始──这就是典型上班族的思维,也是一般低薪族的思维,更是每一名穷人的思维!也就是说,不是薪水低,而是价值观让一个人穷一辈子。</div>
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但是你注意到没?只要是创业者都有一个思维,赚钱之前,先要有赔钱的底气。偷一只鸡都要先蚀把米了,更何况成功致富?这就是投资!可惜这个观念,上班族很欠缺。</div>
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最近我认识的一名年轻人和女友闹翻了,因为他买了4本和专业有关的工具书花费一千多元,女友生气地问他赚得回来吗?接着重翻旧帐,提起他先前买了三十多万元的摄影器材,像打水漂一样一去不回头。</div>
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这名年轻人很委屈,他为了摊还这些器材费用,一年多以来,假日都帮旅游杂志上山下海拍照,连约会都顾不得。“难道她不觉得,趁著年轻时,自我投资很重要吗?”</div>
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<span style="box-sizing: inherit; color: blue;"><span style="box-sizing: inherit; font-weight: 700;">年轻人最该珍惜的不是钱,而是时间</span></span></div>
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她的女友在一家大企业上班,工作繁重、压力不小,好歹也算稳定,到了假日就和姊妹淘们吃吃喝喝,过著小确幸的日子,人生好不惬意!对于男友花钱花时间在赚不到甚么钱的事上格外生气,担心他不存钱结不了婚,耽误她的青春年华。而这就是上班族的思维!</div>
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对于年轻人存钱与花钱,站在生涯布局的角度来看,提出我的3个建议:</div>
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1.年轻时,存的是小钱,过度节省会牺牲掉以后赚大钱的机会。</div>
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2.年轻时,要花钱在自我投资,提升技能,培养人脉,把路走宽。</div>
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3.年轻时,最珍贵的不是钱,而是时间!斤斤计较的应该是时间。</div>
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<span style="box-sizing: inherit; color: blue;"><span style="box-sizing: inherit; font-weight: 700;"></span></span></div>
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(本文原刊载于洪雪珍新书《哪有工作不委屈,没有工作你会更委屈》时报出版)</div>
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文章来源:</h5>
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<span style="font-size: 14.994px;"><a href="http://www.sinchew.com.my/node/1772317">星洲日报/投资致富‧财富书斋‧ 文:洪雪珍 ‧ 2018.07.09</a></span></div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-14314657609865494802018-05-24T00:36:00.000+08:002018-05-24T00:36:18.337+08:0010件事证明除了敦马哈迪没人有能力变天!他虽已93岁但却秒杀了所有人!<div style="background-color: white; color: #666666; font-family: Helvetica, Arial, sans-serif; font-size: 12px; margin-bottom: 1em; margin-top: 1em;">
10件事证明除了敦马哈迪没人有能力变天!他虽已93岁但却秒杀了所有人!</div>
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大马成功变天了,很多人都在歌颂这都是敦马哈迪的功劳,然而却有一小部分的声音表示敦马哈迪只是适逢「全民海啸」,而幸运的得到「变天之父」的名号。但是,他是否真的是幸运,看了以下 10 件事你就知道如果没有敦马哈迪,大马根本不可能会变天!</div>
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1. 创立土团<span class="text_exposed_show" style="display: inline; font-family: inherit;">党<br />2016 年敦马哈迪正式创立土团党被外界视为是巫统 2.0,浓厚的马来人主义注定让他在扮演反对党方面难有作为。然而拉拢前巫统党员一起创党只是敦马哈迪为了变天的第一步棋,他留意到希盟的结构缺乏乡区马来人的支持,公正党的选票来自城市地区的马来人、行动党来自华人、诚信党从回教党分裂出来,难成气候,因此他特地创立一个土著色彩的党就是为了弥补希盟的不足。</span></div>
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2. 加入死敌阵营希盟<br />从一开始敦马哈迪就打算加入希望联盟,但外界人士都认为这是不可能的任务。希盟领袖都曾经受过敦马哈迪的政治迫害,安华、林吉祥、林冠英、末沙布都曾经被敦马哈迪亲手送进监狱,因此对于敦马哈迪的加入,希盟领袖是不可能会接受的。但敦马哈迪就有让不可能的事情变为可能的能力,一开始他主动和安华寻求和解,接着在土团党的代表大会上为他犯过的错误公开道歉,最后成功加入希盟,并被 4 党推选为首相人选。</div>
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3. 郭鹤年自传出版<br />一向为人低调,从不牵涉任何政治的大马首富郭鹤年突然在 2017 年底推出自传,曝出当年华商被巫统迫害的重大秘密。这本自传就在大选前夕突然出版的意图耐人寻味,背后的始作俑者就是敦马哈迪。敦马哈迪察觉大马华裔因上一届大选的败北对政治逐渐冷感,因此为了唤回华裔的变天之心,他利用当年和多位华商良好的交情和郭鹤年展开合作。</div>
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4. 统一希盟党徽<br />在选委会宣布投票日的前一刻,土团党遭注册局撤销注册,让希盟的竞选陷入危机。然而这一切都是敦马哈迪的一手策划,目的就是为了统一希盟党徽。历届的反对党都是分开使用各党的党徽竞选,但这却是反对党过去屡战屡败的主要因素之一。当外界都认为使用同样党徽会造成选民的混淆时,过去 22 年里不曾败选的敦马哈迪深知,想要赢得大选希盟就必须和国阵一样使用统一的党徽。但说服其他党放弃自己的党徽谈何容易,林吉祥曾说过,火箭的标志是他一生的动力。因此,敦马哈迪才特地在提交注册文件时故意犯下失误,这个苦肉计不但成功让所有党主席「被迫」使用统一的党徽,而且还让选民认为是国阵从中作梗,形象大减分。</div>
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5. 改变竞选策略<br />历届的大选反对党都会提前数月,甚至数年就开始在网络上疯狂宣传,但这次的大选反对党却非常反常的在宣布投票日前都显得非常安静。这显然是敦马哈迪的策略,他不让盟友大施宣传是为了防止竞选策略提前暴露,让国阵有时间准备做出反击。果然,直到确定了投票日的那刻,希盟的各种竞选攻势开始一发不可收拾,从国阵拙劣的竞选表现明显看得出他们来不及反应希盟的种种攻势。</div>
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6. 空城计<br />敦马哈迪在投票日前几天突然宣布将会在投票日前一天有特别演讲,并表示所有希盟的竞选讲座都会暂停,以让路给敦马哈迪的特别演讲。敦马哈迪还特别强调,希望这个特别演讲可以接触到 1000 万的选民,因为当晚他有「重要事情」要宣布。果然,这个举动让国阵非常担心,在最后时刻取消了所有的讲座会,让纳吉在同一个时间也出来演讲,一位可以分散选民的注意。然而,敦马哈迪当晚只演讲了短短 30 分钟,内容也没有任何特别之处,国阵此刻才惊觉自己中了计,错过了最后拉票的黄金时刻,还让选民清楚看见希盟和国阵在人气上的明显差别。</div>
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7. 巧破选委会诡计<br />投票日当晚,直到晚上 11 点选委会只公布了不到 20% 的成绩。选委会故意拖延成绩的公布就是为了等待人民暴动,让实际已败选的纳吉可以找借口宣布戒严,造成大选成绩无效。但敦马哈迪早已识破这个诡计,他发现有人伪装成希盟支持者在布城企图制造混乱,利用他的影响力让总警长公开呼吁人民冷静,别陷入陷阱。另一方面,在确认希盟获得足够的席位后,他立刻单方面向全世界媒体宣布胜利,他全程使用英语就是为了让讯息以最快的速度传播到全世界,而不久后选委会竟然乖乖得召开记者会开始一一宣布大选成绩,为什么?其实是因为敦马哈迪背后让最高元首施压选委会,才让纳吉的诡计无法得逞。</div>
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8. 不一样的放假<br />在确认胜选后敦马哈迪立刻宣布 2 天的假期,就当所有人都认为这是为了庆祝变天的喜悦时,其实敦马哈迪真正的意图是为了确保没有货币交易及任何资金汇到国外,并且在一连 4 天的假期内不让任何人处理有问题的资产或股票。除此之外,他还可以利用这 4 天尽快组织新政府,稳定外资的信心,防止股市崩盘。</div>
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9. 与最高元首过招<br />当敦马哈迪正要在胜选后隔天早上宣誓成为首相时,皇宫突然传来消息取消宣誓礼,并无限展延。随后纳吉召开记者会称没有任何一党获得多数票,首相人选将由最高元首来定夺。已经彻夜未眠的敦马哈迪立刻意识到纳吉还未放弃重夺首相之位的野心,他立即召开记者会,并以宪法来解释整个大马只有一个人有资格当上首相,那个人就是他!他还以强硬的态度逼迫最高元首必须当日完成宣誓礼,最终他才在当晚的 10 点半正式宣誓成为新一届首相。</div>
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10. 惊人的领导能力和效率<br />在上任短短的 7 天内,敦马哈迪光速般的完成了多项不可能的任务:完成主要内阁名单、成立5人智囊团、限制纳吉夫妇出境并展开调查、革职总检察长及反贪污局主席、公开 1MDB 调查记录、释放安华、调零 GST 等等重大决策。敦马哈迪的领导能力和效率让全马人民,乃至全世界都大开眼界。对于一位 39 岁的年轻人来说要在 7 天内完成这些事情都几乎是不可能的,更何况是 93 岁的他!敦马哈迪的表现让所有人都对他心服口服!</div>
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这次的变天很多人都说是因为全民海啸,但准确的说其实是因为「马哈迪海啸」!</div>
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选委会主席丹斯里莫哈末哈欣今早主持选委会的特別会议后,在新闻发布会上作出上述宣布。<br />
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除了提名日和投票日外,莫哈末哈欣也宣布提早的投票日期为5月5日。<br />
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首相拿督斯里纳吉於上週五(4月5日)通过国营电视台直播宣布,第13届国会於4月6日正式解散。<br />
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在歷届全国大选中,有4次大选的投票日没有落在週末,它们分別是1959年、1982年、1995年和1999年的全国大选。<br />
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[<a href="http://www.orientaldaily.com.my/s/238599">星洲日报</a>]<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-18807437601107397112018-04-06T12:08:00.001+08:002018-04-06T12:12:12.295+08:00国会解散就在今天? 首相开新闻发布会 [LIVE]<iframe allowfullscreen="true" allowtransparency="true" frameborder="0" height="315" scrolling="no" src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2Fnajibrazak%2Fvideos%2F10155256888340952%2F&show_text=0&width=560" style="border: none; overflow: hidden;" width="560"></iframe><br /><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-62239526354117243292018-04-06T11:59:00.002+08:002018-04-06T12:03:06.189+08:00PM to address nation on live TV, expected to announce dissolution (updated) <iframe allowfullscreen="true" allowtransparency="true" frameborder="0" height="315" scrolling="no" src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2Fnajibrazak%2Fvideos%2F10155256888340952%2F&show_text=0&width=560" style="border: none; overflow: hidden;" width="560"></iframe><br />
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PETALING JAYA: Expectation is high that Prime Minister Datuk Seri Najib Tun Razak will announce the dissolution of Parliament at about 11.30am Friday.</div>
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Najib is expected to make the announcement at the Prime Minister's office in Putrajaya and this will be broadcast live on TV1.</div>
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The announcement will pave the way for the much-awaited 14th General Election that has to be called within 60 days of Parliament's dissolution.</div>
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It is learnt that Najib had an audience with the Yang di-Pertuan Agong earlier Friday morning.</div>
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In his live address on TV1, the Prime Minister is expected to present his case on why Barisan Nasional should be returned to Putrajaya, sources said.</div>
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Najib is waiting for the Cabinet meeting to end, and will begin his address soon after.</div>
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根據亨利行國際產業顧問公司的研究報告,以檳島日落洞為例,雙層排屋價格已飆漲到100萬至120萬令吉,和八打靈再也的情況不相上下;公寓則是介于60萬至130萬令吉之間,這個價位更是超越八打靈再也;目前,八打靈再也的公寓也只不過介于40萬令吉至70萬令吉。<br />
威省亨利行產業顧問公司高級估價師傅頓發,今日發佈2017/2018房地產報告時說,若月家庭收入只有5409令吉,在沒任何消費的情況下,也需要存15.4年至18.5年的薪水,才有能力在日落洞買下一間雙層排屋,或9.2年至20年才能擁有一間公寓單位,這已經嚴重超出一般人的負擔能力範圍。<br />
照他計算,只要負擔能力年限是超過10年或以上,就已經嚴重超出一般人的負擔,非常不健康,而據他的看法,健康的負擔能力應該是在5年或以下。<br />
至于威省,無論是雙層排屋或公寓,已擺脫幾年前50%的價格差距,開始向檳島房地產逼近,如北海的雙層排屋已經要價40萬至60萬令吉,公寓則是35萬至50萬,月家庭收入若是5409令吉,至少需6至9年才能擁有自己的房子,但比起檳島,確實較容易實踐很多。<br />
傅頓發說,威省住宅單位的負擔能力年限雖然都超過5年,但勉強是可以應付,尤其是威南新邦安拔,排屋價格也只不過38萬至45萬令吉,5.9年至6.9年就可以完全擁有自己的屋子了。<br />
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2018大選年再加上今年初的升息,檳威房地產市場觀望情緒升溫。<br />
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<b>檳威房地產升溫</b> <br />
大選年再加上升息,檳威房地產的2018年市場觀望情緒升溫,整體正面表現預計會到2019年才有望恢復。<br />
傅頓發週四(22日)發佈2017/2018房地產報告時說,儘管2018年將舉行大選,但他不肯定選后的經濟情況和政治動蕩的時期會維持多久,如果持續到2019年的話,復甦情況會進一步推遲。<br />
他說,檳城房地產市場在2017年的上半年有放緩趨勢,只有7884筆涉及40億的交易,較2016年同期的成交率跌了13.9%,同時也較2016年同期的交易額降了13.5%。<br />
“導致2017年上半年放緩,不僅是等待大選的因素,也包括生活成本的高漲、謹慎情緒及銀行縮緊借貸等。”<br />
他建議投資者在這個時候進場,因當每個人都觀望不動的時候,就有壓價的籌碼,並且選擇也多。<br />
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[<a href="http://www.chinapress.com.my/20180322/%E6%9C%88%E5%85%A5rm5500%E4%BB%A5%E4%B8%8B%E6%AA%B3%E5%B3%B6%E5%AE%B6%E5%BA%AD-%E6%83%B3%E8%B2%B7%E9%80%BE60%E8%90%AC%E5%85%AC%E5%AF%93%EF%BC%9Fno-way%EF%BC%81/">中国报</a>]<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-18235917767091378152018-02-08T14:17:00.000+08:002018-02-08T14:17:22.060+08:00料週一宣佈 EPF有望派息逾6%<div class="separator" style="clear: both; text-align: center;">
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(吉隆坡8日訊)據悉,雇員公積金局(EPF)將在下週一(12日)舉辦記者會,屆時料將宣布2017年派息率。究竟會派息多少,市場分析員相信有望超過6%。公積金局去年的派息率為5.7%。<br />
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根據過去17年記錄,雇員公積金局的派息率平均都超過5%,2014年達到最高派息率6.7%。EPF首席執行員拿督沙裡爾上個月曾表示,公積金局有信心2017年派息可達到通膨加3.5%的目標,即可望超過6.5%。</div>
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他表示,公積金局投資政策為通膨加2%,而過去6年派息平均高出通膨3.5%,因而有信心2017年派息可達標。<br />
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[<a href="http://www.guangming.com.my/node/428260/%E6%96%99%E9%80%B1%E4%B8%80%E5%AE%A3%E4%BD%88-epf%E6%9C%89%E6%9C%9B%E6%B4%BE%E6%81%AF%E9%80%BE6">光明日报</a>]<br />
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<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-34690550639534386982018-02-06T14:15:00.000+08:002018-02-06T14:15:07.717+08:00美股大跌1100点.亚股全线下挫.马股跌38点(吉隆坡6日讯)亚股今早开盘直接承接隔夜美股跌势,全线低开。马股开盘直接跳空开低,报1814.43点,大跌38.64点。<br />
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日股更创15个月来最大跌幅,开市后大跌近千点,较1月份高位下跌近10%。<br />
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日经平均指数今早低开415.08点或1.83%,一度跌最多999.83点,或4.41%,现报21767点,跌4.03%。<br />
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韩国首尔综合指数今早低开54.73点或2.2%,一度跌最多56.33点,或2.26%,现报2445点,跌1.86%。<br />
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台湾加权平均指数今早低开155.93点或1.4%,一度跌最多270.8点,或2.43%,现报10946点,跌1.62%。<br />
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澳洲股市今早低开0.03点或0%,一度跌最多184.73点,或3.07%,现报5848点,跌2.96%。<br />
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港股今早低开1216点或3.7%,报31028点,成交45.15亿港元;国企指数低开599点或4.45%,报12880点。<br />
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A股亦不例外,沪指低开,报3418点,跌69点或1.99%,深成指报10603点,跌232点或2.15%,创业板报1653点,跌34点或2.06%。(香港明报)<br />
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[<a href="http://www.sinchew.com.my/node/1725760/%E7%BE%8E%E8%82%A1%E5%A4%A7%E8%B7%8C1100%E7%82%B9%EF%BC%8E%E4%BA%9A%E8%82%A1%E5%85%A8%E7%BA%BF%E4%B8%8B%E6%8C%AB">星洲日报</a>]<br />
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<br /><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-52214238161106914832018-01-29T15:52:00.001+08:002018-01-29T15:52:28.309+08:00净收入2500.想买二手车中低价公寓琳达今年28岁,在一家私人企业当文员,工作至今4年多,扣除公积金后薪金大约2500令吉,与家人同住,目前每天搭公共交通上班,因为需要转换交通工具,有时花在搭车的时间超过一小时,计划2018年购买一辆国产二手车,车价在2万至2万5000令吉。<br />
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琳达今年28岁,在一家私人企业当文员,工作至今4年多,扣除公积金后薪金大约2500令吉,与家人同住,目前每天搭公共交通上班,因为需要转换交通工具,有时花在搭车的时间超过一小时,计划2018年购买一辆国产二手车,车价在2万至2万5000令吉。<br />
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目前,银行储蓄大约有1万5000令吉,过去一年每月尽量储蓄600令吉,刚开始工作储蓄比较少,公司曾经有过没发花红的记录,因此,不肯定今后是否还有一个月的花红可领。<br />
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请问:“以我的财务状况,是否可以购买一部二手车?”<br />
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“另外,有想过购买中低价公寓的计划,只是以我的薪金,似乎只能想而已,不过,还是希望理财师提供一些意见供参考。”<br />
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答:永佳财务规划公司理财师陈建业说,琳达是一名办公楼文员,领取的薪金反映一般受薪阶级的收入,就是可以应付房租、伙食、保险费、交通费、学费贷款、电话费,以及其他开销。<br />
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如果要随意消费,生活过得好一些,例如每年出国旅行,那么想要储蓄,应该是不可能的事。<br />
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以琳达的情况,她每月给父母450令吉,省去租房、晚餐的开销,因此,工作了几年,勉强有一些储蓄,其实也相当难得。<br />
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她的来信主要是问:“想购买一部价格在2万至2万5000令吉的国产二手车,是否可行?”<br />
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购二手车需探讨车子性能<br />
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关于购买轿车的计划,首先要看车龄、车的性能是否理想,假如车子性能不大好,买了之后经常要维修,也很伤脑筋,因此,可行与否还需要进一步探讨。<br />
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我们这样说,主要是琳达的购车预算有限,不过,琳达可以释放想购买轿车的计划,也许亲友、同事之中有一些待售,车子性能不错的的选择,如此一来,在搜寻、选择二手车的道路上,可以节省一些时间和精力。<br />
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另外,琳达购买二手轿车,她需要向金融机构贷款,因为不可能用完所有的储蓄,身边必须有储备一些应急资金,况且动用所有储蓄也不够,到时每月可能就没有多余的钱供储蓄。<br />
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琳达来信并没有提及住家与上班的地点,靠近工作地点的房产计划,是否有一些可负担房屋供申请,假如有这类型产业,不妨多了解一下,然后再进行规划。<br />
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假设有适当的房产单位,琳达可以考虑,目前的600令吉储蓄,以及100令吉的交通费,还有其他杂费及娱乐费,也许仍需要交通费,但稍微规划或许有办法应付每月的贷款分期。<br />
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若购屋有着落暂不购车<br />
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不过,购买房屋需要一笔首期款,这笔钱可以来自琳达的储蓄,以及公积金存款,只是至少要有2万5000令吉,假设购屋计划有着落,那么可以暂时不考虑购车的计划。<br />
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琳达可以从几个方向来衡量,看看购车、或购买房屋哪一项比较迫切,上下班比较方便(但需要维修汽车、汽油费、过路费和泊车费),或是购买可以增值的资产,自己比较需要哪一个计划,然后再来决定也可行。<br />
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本期主答:永佳财务规划公司首席理财规划师陈建业硕士<br />
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文章来源:<br />
<a href="http://www.sinchew.com.my/node/1723274/%E5%87%80%E6%94%B6%E5%85%A52500%EF%BC%8E%E6%83%B3%E4%B9%B0%E4%BA%8C%E6%89%8B%E8%BD%A6%E4%B8%AD%E4%BD%8E%E4%BB%B7%E5%85%AC%E5%AF%93">星洲日报‧投资致富‧财富问诊‧文:郑碧娥‧2018.01.28</a><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-64317435115609150112018-01-25T15:30:00.000+08:002018-01-25T15:32:31.353+08:00Key interest rate up by 25bps to 3.25% KUALA LUMPUR: Bank Negara Malaysia has raised key interest rate by 25 basis points during its Monetary Policy Committee (MPC) on Thursday which was in line with expectations.<br />
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This will raise the overnight policy rate (OPR) to 3.25% – the first increase since July 2014.<br />
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The move sent the ringgit up to 3.8890 to the US dollar just after the announcement at 3pm.<br />
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At 3.15pm, the ringgit was up 0.39% to the US dollar at 3.8962.<br />
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The OPR is the benchmark for the commercial lending and deposit rates. The move will also see banks raise the lending and savings rates subsequently.<br />
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In a statement issued on Thursday, Bank Negara said: “The floor and ceiling rates of the corridor for the OPR are correspondingly raised to 3% and 3.50% respectively.”<br />
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BNM said the latest indicators reaffirm the strength in exports and domestic activity. <br />
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“Looking ahead, the strong growth momentum is expected to continue in 2018, sustained by the stronger global growth and positive spillovers from the external sector to the domestic economy. <br />
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“Domestic demand will remain the key driver of growth, underpinned by favourable income and labour market conditions,” it said. <br />
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Commenting on the outlook for investment activity, Bank Negara said it was also positive, underpinned by new and on-going infrastructure projects and capital spending by both export- and domestic-oriented firms. <br />
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“The external sector will provide additional impetus to the economy. Overall, growth is expected to remain strong in 2018,” it said. <br />
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Bank Negara said with the economy firmly on a steady growth path, the MPC decided to normalise the degree of monetary accommodation. <br />
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At the same time, the MPC recognises the need to pre-emptively ensure that the stance of monetary policy is appropriate to prevent the build-up of risks that could arise from interest rates being too low for a prolonged period of time. <br />
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“At the current level of the OPR, the stance of monetary policy remains accommodative. The MPC will continue to assess the balance of risks surrounding the outlook for domestic growth and inflation,” it said.<br />
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<span style="color: blue;">LiangChai: 大马国家银行宣布升息至3.25%</span><br />
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</span> <span style="border: none; box-sizing: border-box; font-family: "lato" , "arial" , "helvetica" , "arial" , "tahoma" , sans-serif; font-size: 16px; margin: 0px; padding: 0px;"><a href="https://www.thestar.com.my/business/business-news/2018/01/25/key-interest-rate-up-by-25bps-to-3pt25pct/" target=blank>[TheStar]</a></span><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-25654705938612183382018-01-23T22:50:00.002+08:002018-01-23T22:50:50.251+08:00EPF下月宣布派息 料介於6.5%至7%<a href="https://www.blogger.com/EPF%E4%B8%8B%E6%9C%88%E5%AE%A3%E5%B8%83%E6%B4%BE%E6%81%AF%20%E6%96%99%E4%BB%8B%E6%96%BC6.5%%E8%87%B37%%20_%20%E4%B8%AD%E5%9C%8B%E5%A0%B1%20China%20Press_files/20180124pfb23a.jpg" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"></a><br />
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(吉隆坡23日訊)僱員公積金局總執行長拿督沙里爾里扎有信心,2017年的公積金派息率會繼續比通脹率高出3.5%;換言之,國內近1800萬名會員可望在農曆新年前獲派發至少6.5%的派息!<br />
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沙里爾里扎透露,公積金局將在2月宣布2017年派息率,當局向來擬定的目標是派發比通脹率高出2%的回酬率,但該局過去6年持續交出比通脹水平高出3.5%的表現。<br />
馬股去年整體表現優于2016年,市場一般預期公積金局可取得更佳的投資回酬。假設去年通脹率介于國家銀行預測的3%至4%水平,這意味公積金局最新派息或更高,料介于6.5%至7%之間,也就是3%至4%再加碼3.5%。<br />
當局在2016年的派息率為5.7%,派息總額達370億8000萬令吉。我國去年11月通脹率達3.4%,對比10月和9月,分別為3.7%和4.3%。<br />
沙里爾稱,今年馬股有良好的開始,短期前景備受看好,但謹慎看待馬股可能出現調整。<br />
“短期資本市場備受看好,由經濟、企業盈利等推動,唯謹慎看待中期表現,市場或有所調整。”<br />
針對公積金局持有倫敦巴特西發展項目資產一事,沙里爾說:“作為長期投資者,我更趨向于長期持有資產,如同我們在大馬購買醫院、學校、辦公樓等資產並長期持有。”<br />
他說,對長期投資者如公積金局和國民投資機構而言,具有最佳姿勢在數個循環中部署資金。至于發展商,相較長期持有資產會更傾向于專注短期發展盈利。<br />
當被詢及公積金局是否收購巴特西工程50%股權時,沙里爾表示目前剛展開接洽,將取決于相關協議進展。<br />
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另外,公積金局已向美國申請主權地位,這有助當局攝取更多投資機會。屆時,當局可在基礎設施或房產投資有更多發揮。<br />
“大馬政府和美國方面已針對我們的主權地位申請進行密切接洽,以便使我們在美國有更有效的投資。”<br />
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<b>“投資是用會員的錢”<br />
澄清未動用政府資金</b><br />
僱員公積金局以低風險和長期投資為主,雖然科技初創公司成長趨勢備受看好,但當局未有作投資。<br />
沙里爾說,科技初創公司在首發股前期、首發股時期已擺脫風險,屆時公積金局或有潛能加入投資。但他重申,國內好的初創公司,一般上都會獲得融資。<br />
此外,沙里爾指僱員公積金局作為國內最大投資者,用的是國人(會員)的錢,而非政府的錢。當局在馬股上市首200家企業投資,所得回酬亦惠及所有會員。<br />
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<span style="background-color: white; font-family: helvetica, arial, sans-serif; font-size: 14px;"><span style="color: blue;"><b>LiangChai: 不要騙我!我的養老金靠你了~</b></span></span><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-51558683807267489742018-01-04T10:52:00.002+08:002018-01-04T10:52:50.729+08:00选股十大黄金法则 官有缘<br />
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我已近85高龄,交易股票的经验逾30年,也从错误中学习,累积了不少知识,可作有生之年的分享。<br />
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我创办怡保工程公司,也从那儿退休。那是1893年,正好中国知会英国政府要收回香港主权,香港股市大跌。<br />
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我深知危机所在之处,就有赚钱的机会,于是像任何企业家一样,勇于一搏。<br />
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我开始投资香港股市,当时它有许多便宜的超值股。<br />
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当中方给予50年不变保证后,股市应声回弹,我也赚了一大笔。<br />
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有了香港的经验,我决定专心投资股票,因为所赚取的收入不必缴税,也没有管理公司的烦恼。<br />
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于是,我开始阅读各派投资专家的心法,如巴菲特、彼得林治、班杰明葛拉汉。<br />
他们都倾向买入被低估的股票。<br />
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<b>注重每股净利</b><br />
我也开始买低估股,但又发现要等很长时间才能赚钱。<br />
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比方说,有很多真正被低估的产业股,但如果现在买入, 可能得等上好几年才看到公司盈利增长,股价上升。<br />
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挑选股票的方法有很多,如净有形资产(NTA)、健康的资产负债表、现金流折现、每股净利等。<br />
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我本身视每股净利的增长为推动股价最有力的催化剂,所以经常寻找盈利增长前景受看好的公司。<br />
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经过多年的尝试与错误,我已将方案简化。<br />
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进场前,我会先检视过去几个季度每股净利增长,确保这家公司今年能比去年赚得更多。<br />
而为了避免一些出乎意料的企业挑战,如果预测的本益比超过10,我也不会进场。<br />
庆幸的,我用这个黄金法则买了很多股,也持作大股东,有的在两年内涨了800% ,也有18个月内涨了550%。<br />
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<img alt="" src="./选股十大黄金法则_官有缘 - e南洋商报Nanyang Siang Pau _ 马来西亚新闻真实报道_files/180101X32_C3388-0.jpg" style="width: 600px;" /><br />
<b>1.看本益比和业绩</b><br />
买入任何股票之前,检视前两个季度的盈利,预测的本益比少过10,确保公司今年能比去年赚更多。如果盈利增长的前景看好,可在较高的本益比买进。<br />
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<b>2.上升和下跌趋势图</b><br />
无需成为图表专家,只要知道什么是上升和下跌趋势。不要买下跌趋势的股,即使是股价比净有形资产低,因为你不知道股价何时才会高过进场价,让你有利可图。举例,一些产业股价格比净有形资产低,但各城镇产业过剩,买进后得等待产业假以时日回弹。<br />
<br />
<b>3.买上升趋势股</b><br />
假设公司的利润增长前景看好,本益比低,买入后你有机会看到股价节节上升。<br />
不过要知道,没有任何股票只涨不跌,一定要懂得沽出套利。<br />
<br />
<b>4.控制情绪,理性思考是投资有成关键</b><br />
大多人不能控制情绪理性思考,如果大家都能,那所有股票都有充份的价值,也不会有任何的低价拋售了,但事实并非如此。如能控制情绪如恐惧、贪婪、自负和信心爆棚,你就知道何时买,何时卖,赚它一笔。<br />
<br />
<b>5.砍仓减低亏损</b><br />
买入后股价不如你期望的升涨,当价跌超过买入价的10%就要砍仓。<br />
<br />
<b>6.提高一些企业常识</b><br />
你经常可看到真正好的公司,股价保持平平,甚至不明就理的下跌。若有企业常识,你就敢买入,否则会错失良机。<br />
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<b>7.为使利润扩大,你要沉得住气</b><br />
股价每天都在波动,一天的最高和最低价可能大有差别,如沉得住气,你可在每日的最低点买入,或最高点买出。<br />
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<b>8.最少要持8只股</b><br />
你可跟踪公司的进度。所有企业在不同的时间都有不同的挑战和障碍需要解决。如你有去跟踪,就知道买卖套利的时机。<br />
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<b>9.假使真正懂了以上指南,你可使用融资增加盈利</b><br />
现在的年利率大约是4.8%,你可轻易地收获更多。<br />
<br />
<b>10.股票投资不是容易的冒险</b><br />
如你不亏不起,千万不要去触碰它。在股市里,亏钱的人比赢钱的多。如你尝试了几年还不成功,就要停止,不要让你和家人受伤害。<br />
<b>备注:<br />
<br />
此评论为作者意见与看法,不代表本报立场,也非推荐买入或卖出,不应将之作为投资指引或决定。</b><br />
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<a href="http://www.enanyang.my/news/20180104/%E9%80%89%E8%82%A1%E5%8D%81%E5%A4%A7%E9%BB%84%E9%87%91%E6%B3%95%E5%88%99%E5%AE%98%E6%9C%89%E7%BC%98/">[南洋商报]</a><br />
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官有缘</div>
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<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-63896939360467393782018-01-03T14:46:00.003+08:002018-01-03T14:46:26.614+08:00Kerjaya Prospek proposes 6-for-5 bonus issue<div class="separator" style="clear: both; text-align: center;">
<a href="https://assets.nst.com.my/images/articles/kerjaya_22_1511336980.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="436" data-original-width="800" height="217" src="https://assets.nst.com.my/images/articles/kerjaya_22_1511336980.jpg" width="400" /></a></div>
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KUALA LUMPUR (Jan 3): Kerjaya Prospek Group Bhd is proposing to undertake a bonus issue of up to 677.44 million new shares in the company on the basis of six bonus shares for every five existing Kerjaya Prospek shares held, on an entitlement date to be determined later.</div>
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In a filing with the stock exchange today, the group said it is also proposing a bonus issue of up to 169.36 million new warrants in Kerjaya Prospek, on the basis of six bonus warrants for every 20 existing Kerjaya Prospek shares held on the same entitlement date as the proposed bonus issue.</div>
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Upon completion of the proposals, the enlarged share capital of Kerjaya Prospek on a fully diluted basis will amount to 1.41 billion ordinary shares.</div>
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The proposed issuances are intended to reward Kerjaya Prospek's shareholders and allow them to have greater participation in the equity of the group in terms of number of shares while retaining their percentage of equity interest held.</div>
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Additionally, the proposed issuances are also expected to improve the trading liquidity and marketability of Kerjaya Prospek shares on the main market of Bursa Securities while increasing the capital base of the company.</div>
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To recap, Kerjaya Prospek recently announced their highest ever nine-month performance for the period ended Sept 30, 2017, delivering a revenue of RM703.4 million and profit after tax of RM97.1 million. The group's net cash position as at Sept 30, 2017 stood at RM163 million.</div>
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The group's current outstanding orderbook amounted to RM3.2 billion and year-to-date win for year 2017 contract totalled to RM1.4 billion.</div>
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"I would like to take this opportunity to thank the shareholders for their confidence and continuing support in Kerjaya Prospek.</div>
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"I look forward to the future as we continue to work hard to bring the company to greater heights," Kerjaya Prospek executive chairman Datuk Tee Eng Ho said in a statement.</div>
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The proposed bonus issues are expected to be completed by the first quarter of this year.</div>
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At noon market close, Kerjaya Prospek shares were up 6 sen or 1.5% to RM4.09, with 191,100 shares changing hands.</div>
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<a href="http://www.theedgemarkets.com/article/kerjaya-prospek-proposes-6for5-bonus-issue">[theedgemarkets]</a></div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-10896150125765643932018-01-03T12:16:00.000+08:002018-01-03T12:16:18.277+08:00检讨过去一年账簿.为2018年投资打底<span style="background-color: #fbfb3a; color: #555454; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; font-weight: 700;">苦?乐?贫?怒?如果要用一个字形容你在2017 年的生活,你会用什么字?也许上述汉字都无法贴切的带出你的心声,对于在过去1年,背负沉重经济压力的你,“虚”或是年度最佳代表。此话何解?皆因对于过 去1年的生活,犹如“虚”构般不真切,也如“虚”幻般没有真实感。不信?打开你的账本,算一算在这1年里,你的薪水留在你手中的时间,再看看你的财富是否 有所增长,增长幅度又是否与大马经济成长同步或更优?</span><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5Pg5H-ye4gvvf7mtvTBs29KyEcn4As4CeHAB0va6XNBNh3Or1ftoTFXn1HFLOlTk7eEhOGu6Sa9VIT2w9LuAxrfeQSK86aEjvDbCH5tySxmZQU2rUtBRUHM0ALE_6Uvvr6ZGiEB48-I0c/s1600/1200180102-10.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="800" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi5Pg5H-ye4gvvf7mtvTBs29KyEcn4As4CeHAB0va6XNBNh3Or1ftoTFXn1HFLOlTk7eEhOGu6Sa9VIT2w9LuAxrfeQSK86aEjvDbCH5tySxmZQU2rUtBRUHM0ALE_6Uvvr6ZGiEB48-I0c/s640/1200180102-10.jpg" width="640" /></a></div>
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<span style="background-color: #fbfb3a; color: #555454; font-family: "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 18px; font-weight: 700;"><br /></span>
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如果要用一个字形容你在2017年的生活,你会用什么字?也许上述汉字都无法贴切的带出你的心声,对于在过去1年,背负沉重经济压力的你,“虚”或是年度最佳代表。</div>
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此话何解?皆因对于过去1年的生活,犹如“虚”构般不真切,也如“虚”幻般没有真实感。</div>
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不信?打开你的账本,算一算在这1年里,你的薪水留在你手中的时间,再看看你的财富是否有所增长,增长幅度又是否与大马经济成长同步或更优?</div>
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如果你的财富在过去1年,不增反减或只以龟速在增加,就有检讨的必要,不妨来看看你在过去1年,是否有做对,又是否犯了全天下人都容易犯的错。</div>
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财富积累与经济增长不同调,错在哪里?</div>
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<span style="box-sizing: inherit; font-size: 18px; font-weight: 700;"><span style="box-sizing: inherit; color: brown;">钱,有没有赚对?</span></span></div>
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富有之人致富不靠存,而靠赚,你有赚对吗?</div>
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作为上班族,几乎超过三分一的时间都在工作,如果薪金仅够维持生活,就必须想法在额外的三分之二时间里,增加自己的财富。</div>
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全职的工作,的确难以让你有精力去经营其他副业,因此,让钱为你赚钱,就是有必要的,但是,不是所有人使用的赚钱方式都是对的。</div>
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<span style="box-sizing: inherit; font-weight: 700;"><span style="box-sizing: inherit; color: blue;">别把金钱游戏当事业</span></span></div>
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俗话说,“男怕入错行,女怕嫁错郎”,不是担心你赚得少,而是担心你赚错了。</div>
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Pro Vision财富管理首席理财顾问林武耀感慨,传统投资方式如信托投资已不获年轻人青睐,他们较倾向快速致富的投资方式,因此,金钱游戏才会这么的吸引年轻人的目光。</div>
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“有些年轻人甚至把此类金字塔金钱游戏当作事业来经营,可这是错误的做法。”</div>
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相信许多人都晓得金钱游戏投资的概念,尽管知道是一场骗局,可为了所谓的高回酬。依然会有许多的年轻人甘愿冒险,主要就是以小钱博大钱的心态作祟。</div>
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虽然,金钱游戏标榜的高回酬极具吸引力,不过,在获得回酬前,你必须先投入一笔为数不少的金钱,加上必须招揽下线加入,一旦崩盘或骗局被揭发,你除了血本无归外,也可能必须负上法律责任。</div>
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尤其是把金钱游戏当成事业者,更是危险的举动,不顾一切的为钱冒险,最终可能落得身败名裂的窘境。</div>
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林武耀指出,投资在金钱游戏当中,是一项错误的投资方式,就算是亏损5000或1万令吉,也会拖累自己累积财富的速度。</div>
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试想想,假设你原本每月存起500令吉,在没有计算复利的情况下,1年就可以存6000令吉,原本可以平淡的等待退休,但因为错误的进入金钱游戏里,最终不单把之前所赚的钱赔进去,还必须延后退休计划,得不偿失。</div>
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<span style="box-sizing: inherit; font-weight: 700;"><span style="box-sizing: inherit; color: blue;">脚踏实地为好</span></span></div>
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林武耀建议年轻人,钱不够用之时,还是脚踏实地为好,可以多找一份兼职增加收入,或者寻找获得监管单位批准的传统投资方式将更为妥当。</div>
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<span style="box-sizing: inherit; font-size: 18px;"><span style="box-sizing: inherit; font-weight: 700;"><span style="box-sizing: inherit; color: brown;">钱,有没有投资对?</span></span></span></div>
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想要钱滚钱,另一个方式就是投资,而在目前房地产低迷之际,是否是一个投资的好时机?</div>
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对此林武耀点出不同的观点,他不否认产业市场是一项回酬稳定的投资项目,但是,想要投资在房地产而希望获得可观回酬,必须多做考察,以免成不了富人却沦为“负人”。</div>
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林武耀指出,普遍上发展商都会给予各项购屋优惠如免律师费、协助贷款、发展商承担建设中利息等等,这些都很轻易吸引年轻人的目光,也因此,许多年轻人仅看到表面事项,在没有深入了解的情况下,就贸然进入产业市场。</div>
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他们以为,可以极少数的金钱购得一个房产,往后再出租或脱售,转手就可以赚一笔可观的金钱,惟此前提是,所投资的房产必须有价有市。</div>
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“要知道,发展商所卖的房价,是4至5年后的价格,一旦房产建竣,购屋者就必须开始缴还房屋贷款,显然,刚步入社会工作的年轻人,薪水如果无法达到4000至5000令吉,将难以摊还贷款。”</div>
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他补充,加上无法寻得适合的租户,在必须承担银行贷款、生活费下,房产最终只会遭到拍卖,这也是为何近期会有多间新房产遭到拍卖的原因。</div>
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<span style="box-sizing: inherit; font-weight: 700;"><span style="box-sizing: inherit; color: blue;">买房须实地探究</span></span></div>
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林武耀解释,发展商普遍上都会告诉购屋者,旗下房产项目衔接公共交通及广场,惟事实是公共交通衔接范围广阔,而广场更是无所不在,因此,房产实际上是否位于适中地点,并拥有人流量,还是必须实地探究。</div>
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“加上现在住宅房产供过于求,因此,租金可能会有所变化,无法与数年前的情况相比,想要把房产出租作为长期投资之用,就必须确保当地的实际出租市场。</div>
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另外,房产的二手市场价格在近年都没有出现太大变化,投资者在进入房产领域时,必须把此情况纳入考量,以免无法以想要的价格脱售。”</div>
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林武耀也指出,一些外汇投资平台等,不单风险高,而且,没有获得大马监管单位发出的执照,因此,是否可信赖值得深思。</div>
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<span style="box-sizing: inherit; font-weight: 700;"><span style="box-sizing: inherit; color: brown;"><span style="box-sizing: inherit; font-size: 18px;">国行总裁:对经济增长无感<br style="box-sizing: inherit;" />国人面对3大苦恼</span></span></span></div>
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国行总裁说,国人感受不到高成长,是因为正面临3大苦恼。</div>
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大马的各项经济数据在过去1年,皆屡创新高,第三季经济强劲增长6.2%,包括世界银行在内的各机构也趁机上调大马2017年经济增长预测。</div>
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尽管如此,在过去1年,人民却对经济增长无感,认为仅仅只是一组数据,无法实际帮助人们的生活,这主要是因为受到原油、产品等价格走扬,推高生活费,而薪金增长幅度却无法同步增长所致。</div>
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国家银行总裁丹斯里慕哈末依布拉欣早前一语道破,他说,大马经济强劲增长,国民却似乎无感,主要受生活费持续飙涨、就业机会隐忧和债务压力3大因素影响。</div>
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<span style="box-sizing: inherit; font-weight: 700;">结语:<span style="box-sizing: inherit; color: brown;">须了解背后运作</span></span></div>
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<span style="box-sizing: inherit; font-weight: 700;">2017年已经结束,你是否是对于国家经济强劲增长,却无所感觉之人?</span></div>
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<span style="box-sizing: inherit; font-weight: 700;">不想自己重新回到2017年艰辛的生活,就必须作出改变,上述所提及的错误赚钱及投资方式仅是冰山一角,事实上,依然有许多人不晓得自己在过去1年,是否有赚对,是否有投资对。</span></div>
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<span style="box-sizing: inherit; font-weight: 700;">无论如何,万变不离其宗,最重要的是在赚钱或投资前,必须彻底了解背后所能带来的回酬,如果无法确定或不了解,就不要贸然尝试。</span></div>
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文章来源:</h5>
<a href="http://www.sinchew.com.my/node/1715564">星洲日报‧钱巢‧报道:刘玉萍‧2018.01.02</a></div>
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<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-20723728831187136432017-12-12T11:38:00.004+08:002017-12-12T11:38:33.027+08:00旧街场将售于荷兰集团 早市股价上涨 <div style="background-color: white; box-sizing: border-box; color: #6a6a6a; font-family: "Microsoft YaHei", Arial, Helvetica, sans-serif, 宋体; font-size: 14px; line-height: 20px; margin-bottom: 10px;">
<a href="http://www.kwongwah.com.my/wp-content/uploads/2017/12/oldtownaa.jpg" style="background: rgb(193, 193, 193); border-bottom: 0px !important; box-sizing: border-box; color: #292929; font-weight: bold; outline: none !important; padding: 0px 2px; text-decoration-line: none !important; transition: all 0.3s ease-in-out;"><img alt="oldtownaa" class="aligncenter size-medium wp-image-439422" height="225" src="http://www.kwongwah.com.my/wp-content/uploads/2017/12/oldtownaa-400x225.jpg" style="border: 0px; box-sizing: border-box; clear: both; display: block; height: auto; margin-left: auto; margin-right: auto; max-width: 100%; vertical-align: middle;" width="400" /></a><br style="box-sizing: border-box;" />(吉隆坡12日电)荷兰集团献议全面收购旧街场所有股权后的消息传出后,后者股价在早市交易中扬升。</div>
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截至11时左右,旧街场白咖啡(OLDTOWN,5201,贸易服务组)股价涨7.29%,或21仙至3.09元,交易量为约2百63万股。</div>
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荷兰咖啡与茶叶集团(Jacobs Douwe Egberts)日前向旧街场白咖啡(OLDTOWN,5201,贸易服务组)提出有条件收购献议,出价每股RM3.18,或14亿令吉现金,收购旧街场所有股权 。</div>
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大马家喻户晓的旧街场(OLD TOWN),由李兆明李兆兴兄弟创办于约18年前。在这项收购案中,李家兄弟预计将捧走至少6亿令吉现金。</div>
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Jacobs Douwe Egberts是通过亚洲子公司JDE亚洲,向旧街场提出这项收购献议。</div>
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[<a href="http://www.kwongwah.com.my/?p=439421">光华日报</a>]</div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-33130478085294149162017-11-03T17:09:00.003+08:002017-11-03T17:09:48.562+08:00WhatsApp大死機 香港歐洲大馬齊「中招」<div class="content-carousel this-detail-carousel" style="background-color: #cccccc; box-sizing: border-box; color: #333333; font-family: "Helvetica Neue", Helvetica, Tahoma, Arial, Georgia, "Xin Gothic", "Hiragino Sans GB", "Droid Sans Fallback", 微軟正黑體, "Microsoft JhengHei", 微软雅黑, "Microsoft YaHei New", "Microsoft Yahei", 宋体, SimSun, STXihei, 华文细黑, sans-serif; font-size: 16px; margin: 0px auto 30px; max-width: 620px; visibility: visible;">
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WhatsApp推出新功能後,又有大規模死機情況,根據網上資料顯示,踏入本港下午4時後,多個地區出現嚴重死機,當中馬來西亞及荷蘭最為嚴重,其次為香港。在下午4時,全球共收到130個死機報告,資料顯示,早在約3時已有部份用戶受到影響,包括52%為連線問題、41%為不能傳送訊息、5%未能登入。<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />德國亦有傳媒報道事件,並指Android和iOS上的似乎同樣有問題,本港多個討論區亦有WhatsApp用戶網上留言,多數用戶為「未能連線」。<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />英國多家傳媒《太陽報》及《Express》聯絡到WhatsApp發言人求證,發言人證實死機「我們正着手處理該問題,對於事件造成的不便致歉。」情況更有蔓延趨勢,由本來早前只有歐洲出問題,然後輪到馬來西亞、印度及香港等地,現時連新加坡及巴基斯坦等全部都有人報告受到影響。<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />然而WhatsApp 8月31日,其實經已出現一次大規模死機,當時有4853名用戶報告出現類似的連線問題,英國佔了2716人。</div>
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[<a href="http://hd.stheadline.com/news/realtime/hk/1056161/">头条日报</a>]</div>
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<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-21524747938127066822017-11-02T18:00:00.000+08:002017-11-02T18:00:00.522+08:00檳福利大放送 2018年檳財政預算案<div class="separator" style="clear: both; text-align: center;">
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(檳城2日訊)檳州首席部長林冠英今日在檳州立法議會上發佈2018年檳州財政預算案,檳城福利大放送。</div>
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受惠家庭每年將獲得存值300元的我愛檳城卡,用於支付門診費和藥物費,每次限額為50元。 </div>
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收入低於2500元的單身人士也將獲得每年150元存值醫藥費,每次看診限額同樣為50元。</div>
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◆每年持續分發一次性1000元的入學津貼給剛入讀本地大專院校的檳城學生,若飛赴東馬沙巴砂拉越就學的學子可獲1200元。</div>
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◆分發一次性300元的款項給予進入本地技職學校第一年的學生。</div>
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◆300萬元喬治市古跡翻新基金,100萬元小印度街區種子基金提升小印度街區以及周邊公共設施。</div>
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◆ 提供300萬元種子基金以成立“老屋補助金”,支持古跡建築的修護費用,以鼓勵願意以可負擔金額出租房屋給長期租戶的業主。</div>
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◆所有60歲以下、孩子的年齡介於新生兒至6歲的在職媽媽,每年將獲得300元的現金獎勵。 </div>
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◆樂齡人士回饋金與殘障人士回饋金從100元增加至130元。</div>
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◆提供一次性豁免小販生意執照費。</div>
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◆撥出250萬元進行33項緊急的治水工程。</div>
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◆環市免費巴士服務從現有的3輛增加到5輛。</div>
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[<a href="http://www.guangming.com.my/node/415122/%E6%AA%B3%E7%A6%8F%E5%88%A9%E5%A4%A7%E6%94%BE%E9%80%81%E3%80%802018%E5%B9%B4%E6%AA%B3%E8%B2%A1%E6%94%BF%E9%A0%90%E7%AE%97%E6%A1%88">光明日报</a>]</div>
<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-25775278043421511792017-10-30T09:57:00.000+08:002017-10-30T09:57:10.413+08:002018年財政預算案 <div style="color: #444444; font-family: ".PingFang-SC-Regular", Helvetica, "Helvetica Neue", Arial; font-size: 16px; line-height: 1.5; padding: 0px 22.7031px;">
6.10pm 纳吉结束长达2个小时30分钟的2018財案宣布。纳吉结束2018年財政预算案前,提及第14届全国大选。他激动喊话,政府言出必行,国阵会战斗至最后一滴血贏得大选。</div>
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6.07pm 纳吉说,为了回报公务员崇高的效忠与辅助国家的精神,纳吉宣布所有公务员將获得特別津贴1500令吉(每人),以及退休公务员获得750令吉(每人)。</div>
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纳吉说,只有公务员和政府合二为一,才能令国家变得强大,政府也没有忘记退休公务员的贡献。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIvmzrVoAAfquu_608_304.png" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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6.00pm 纳吉说,政府肯定公务员的贡献,宣布公务员期待已久的好消息,即升职、增加特別假期、事假、增加退休福利、增加退休金、允许弹性工作时间、提供预產假期等。怀孕5个月以上的公务员孕妇可提早下班一个小时。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNItP1MVoAA6O3n_(1)_608_304.png" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.52pm 政府拨款5.17亿令吉防范水灾计划。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIp76IV4AAAWOD_(1)_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.48pm 政府理解聘用女佣的负担不轻,目前的费用高达1万2000至1万8000令吉。政府现在开放雇主直接聘用来自9个国家的女佣,而无需通过中介。雇主可直接上网向移民局申请女佣签证,手续费保持不变。</div>
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5.44pm 消费税方面,纳吉重申,消费税是我国的经济救星。他指出,零消费税的读物將於明年1月起,扩展至杂誌、漫画、日刊和月刊。</div>
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他说,中央政府也建议地方政府服务豁免消费税,地方政府可选择2018年4月1日或10月1日开始豁免相关消费税。</div>
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5.36pm 政府拨款22亿令吉,作为进一步促进居者有其屋的目標。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNInv9NUQAEWadL_(1)_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.32pm 纳吉宣布取消联邦大道过路费</div>
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纳吉宣布,从2018年1月1日起,取消雪州联邦大道2个收费站的过路费,即峇都知甲(Batu Tiga)及双溪拉绍(Sungai Rasau)收费站的过路费。</div>
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此外,政府也將於同期开始取消吉打州黑木山收费站,以及柔佛州的东部疏散大道(EDL)过路费。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNImT2IU8AITHbY_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.30pm 政府拨款39亿作为物价与交通津贴,包括了煤气、麵粉、食用油、电费津贴与过路费。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIl7OqUEAEv0Xf_(1)_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.22pm 纳吉宣佈下调个人所得税率2%,超过26万1000人无需缴纳所得税,主要受益者为中等收入群体(M40)。换言之,230万名纳税人可获下调个人所得税率,即可徵税收入2万至7万令吉的个人所得税率,將一律减税2%;估计將让纳税人节省300令吉到1000令吉税金。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIleGJUMAAhwUw_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.20pm 一马援助金维持1200令吉。纳吉宣布,人民继续享有最多1200令吉的一马援助金(BR1M)。他说,自从政府推出一马援助金,就获得人民接受,证实可以有效援助目標群。他指出,政府在一马援助金方面拨款68亿令吉,让700万人受惠。</div>
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5.17pm 政府建议私人界的女性產假跟进公共领域,从60天增至90天。规定政府官联公司董事部在2018年结束前需有至少30%女性代表。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIkJeVVwAEpEuc_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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5.10pm 纳吉宣布拨款6500万令吉给华人新村发展,另外1000万令吉作为房子维修费用。</div>
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5.07pm 在一马大马皇家警方计划下,政府將提供1万间公务员住宅单位给警员,房屋售价符合警员薪金。</div>
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5.06pm 大马武装部队將获得140亿拨款,另外拨款90亿给大马皇家警察,以及拨款9亿令吉给大马海事执法机构(APMM)。</div>
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5.00pm 9亿3400万令吉作为乡区发展计划,包括了近5亿拨款予沙、砂两州。拨款6亿7200万作为提供电供,包括了6亿2000万作为沙、砂两州乡区10万间住家提供电供。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIgXLTVwAAfNCY_(1)_608_304.png" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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4.55pm 政府同意延长偿还PTPTN贷款优惠至2018年12月31日为止。全数偿还的可获20%折扣,偿还一半贷款及每月自动从薪水扣除的可获10%折扣。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIewaeVoAE5Rfy_(1)_607_304.png" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="607" /></figure><br />
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4.50pm 纳吉宣布拨款5.5亿令吉给学校维修和改善基金,包括国小获2.5亿令吉,华小、泰小、教会学校、寄宿学校、玛拉科学小学及政府津贴宗教学校则分別获得5000万令吉。</div>
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此外,政府拨款3.28亿令吉援助低收入学生,全国將有320万名学生受惠(每人100令吉)。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNId0XUVwAAS4EM_608_304.png" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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4.47pm 政府大学將获得4亿令吉的研究与发展特別拨款,希望能助本地大学,尤其马大打入全球百大大学排行榜。</div>
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4.45pm 大学生和中六生將获得价值250令吉的购书券,將让120万名学生受惠。</div>
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4.40pm 纳吉宣布,2018年至2022年的大马新生儿,將获得价值200令吉的信託基金(Amanah Saham)。该首次推介的基金將被名为2050大马儿童信託基金(ADAM50)。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIblt9UQAEDO28_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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4.36pm 拨款5500万令吉津贴话望生至道北的乡区火车服务。</div>
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4.35pm 政府將提升檳城及浮罗交怡岛的国际机场、在砂拉越木胶建设新机场、並扩建哥打巴鲁及山打根机场。</div>
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4.33pm 纳吉宣布霹雳邦咯岛为免税岛,不包括烟酒和引擎交通工具。</div>
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4.31pm 中枢大道(Central Spine Road)获得2.3亿令吉拨款,扩展劳勿至文冬、话望生(Gua Musang)至甘榜Relong路段。</div>
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4.30pm 宣布拨10亿予公共交通基金,作为购买巴士与计程车基金。 </div>
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4.29pm 政府將加速MRT3建设,预计在2025年竣工,比原本预计的2027年提早完成。</div>
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4.27pm 宣布20亿令吉低利息贷款发展旅游业,並將大马定位为亚洲保健旅游中心。</div>
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4.24pm 纳吉宣布总值1.5亿令吉给农夫,让他们在等待稻田收割期前的3个月,將可获得每月200令吉援助金。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIXd-YVAAA9ocA_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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4.22pm 纳吉宣布1亿4000万於油棕种植业者。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIXSRqVAAEMZWW_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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4.20pm 纳吉宣布拨65亿给农民、渔夫、畜牧业者。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNIW0gpVQAAhUXW_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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4.08pm 2018財政预算案將促进投资、贸易和工业领域。预料国內投资將增至6.7%、明年的私人投资將突破2600亿令吉。</div>
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4.06pm 纳吉表示,2018年的財政预算案的主题是促进包容性经济繁荣、为人民幸福生活而平衡宗教和世俗性,並迈向2050国家转型 计划(TN50)。</div>
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4.03pm 纳吉说,中央政府的收入超越2398.6亿令吉,並指政府根据伊斯兰法目標原则(Maqasid Syariah)擬定2018年財政预算案。</div>
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4.02pm 2018政府总开销:2802亿令吉</div>
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政府总开销方面,2018年的预算为2802.5亿令吉,比2017年的2659亿令吉高出5.4%。其中2342.5亿令吉,或83.6%为营运开销(2017年为2199亿令吉和82.7%),其余的460亿令吉,或16.4%为发展开销(2017年为460亿令吉和17.3%)。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="304" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171027/DNISr8PUQAYyvZg_(1)_608_304.jpg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><br />
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3.59pm 纳吉表示,低收入(B40)家庭的月收入从2014年的2629令吉,增至2016年的3000令吉。</div>
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3.56pm 纳吉指出,人均收入將从2010年的2万7819令吉,增加至2018年的4万2777令吉(目前4万零713令吉)。</div>
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3.53pm 纳吉预计我国在2020年前,可製造330万个工作机会,目前已达標69%,等同於226万个工作机会。</div>
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3.51pm 纳吉表示,3家国际信贷评级机构维持大马的信贷评级为“A-”及稳定。</div>
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3.48pm 纳吉说,政府官员出国官访,不应被指责出卖国家主权,並质问雪州大臣及檳州政府近日出访中国,是否等於出卖雪州和檳州?</div>
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3.46pm 纳吉说,在过去8年,纵使面临世界经济不景的挑战,我国仍有两大成就:与经济大国包括中国、印度、中东和美国保持良好贸易及外交关係;第二,政府仍可有效管理国家財政,並且谨慎支出。</div>
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3.43pm 纳吉说,国家经济获得正面增长,今年上半年的经济增长率达到令人鼓舞的5.7%</div>
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3.44pm 世界银行肯定我国经济表现,上调2017年的全年经济增长,从4.9%至5.2%。纳吉呼吁人民不要被不负责任的一方欺骗。</div>
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3:40pm 纳吉正式在国会开始宣布2018年財政预算案,纳吉表示將为人民公佈喜讯,让全民展顏欢笑。</div>
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<span style="color: black; font-weight: 700;">【经济报告书】</span></div>
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<span style="color: black; font-weight: 700;">2018发展开销:减</span></div>
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2018年的发展开销保持在460亿令吉,或第11届大马计划(11MP)顶限的17.7%。其中57.3%开销拨给经济领域、25.5%拨给社会领域、11.3%拨予国防及內安,还有5.9%拨予一般行政。</div>
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拨给经济领域的263亿令吉发展开销,將专注于公共基建和交通网络(105亿令吉)、贸易与工业(41亿令吉)以及农业和乡区发展(25亿令吉),而能源与公共设施领域也將获得27亿令吉的发展资金。</div>
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至于117亿令吉的社会发展开销,將专注于教育及培训、健康和房屋,分配比重分別是53亿令吉、19亿令吉与12亿令吉。国防与內安领域將获得52亿令吉拨款,以提升军警数量和能力,以及监控设施。剩余27亿令吉则作为一般行政领域用途,主要用以提升政府设施和资讯科技(ICT)系统。</div>
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<span style="color: black; font-weight: 700;">2018营运开销:增</span></div>
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政府的营运开销为2342亿令吉(2017年为2199亿令吉),其中公务员薪酬为791亿令吉,其余的主要开销包括以债务利息等为主的费用开销,还有资產收购开销和津贴及社会援助金开销。</div>
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<span style="color: black; font-weight: 700;">2018政府总开销:2802亿令吉</span></div>
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政府总开销方面,2018年的预算为2802.5亿令吉,比2017年的2659亿令吉高出5.4%。其中2342.5亿令吉,或83.6%为营运开销(2017年为2199亿令吉和82.7%),其余的460亿令吉,或16.4%为发展开销(2017年为460亿令吉和17.3%)。</div>
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<span style="color: black; font-weight: 700;">2018年政府总收入:增6.4%</span></div>
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政府收入预测在2018年按年增长6.4%,至2399亿令吉。</div>
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<span style="color: black; font-weight: 700;">2018財政赤字:减至2.8%</span></div>
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2018年的財政预算赤字进一步减少至2.8%或398亿令吉,比较2017年为3%或399亿令吉。</div>
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<span style="color: black; font-weight: 700;">2018年经济成长:预估5.7%</span></div>
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2018年经济成长可达成长5%-5.5%,政府有信心2017年可以达到5.2%-5.7%的成长率。</div>
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首相拿督斯里纳吉在下午3时30分,在国会宣佈2018年財政预算案。</div>
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纳吉在前几天已陆续在其官方社交网站预告,透露財案將在数个领域上做出重大宣佈,並且特別点名教育、公共交通及农业领域,表示他將在明年度財案中针对相关领域宣佈新措施,呼吁人民敬请期待。</div>
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纳吉表示,从其收集的民意中瞭解到,民眾最关心的课题,包括了生活费高涨、教育、房屋、就业市场与税务等,並表示已在2018年的財案中做出相应的调整。</div>
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此外,纳吉日前也在其官方面子书贴出影片,敘说政府在近年来推出多少公共交通工程,以舒缓城市的交通阻塞,其中包括第一捷运(MRT1)、第二捷运(MRT2)、轻快铁安邦延长干线、第三轻快铁干线、东海岸铁路(ECRL)等,更透露他这次会在公共交通领域上宣佈新措施。</div>
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而在週一(23日),纳吉的面子书也贴出一个视频,显示政府在往年財案中给予教育领域的拨款及项目,是一年比一年多,並吁请人民期待来临財案的宣佈。</div>
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<figure class="captionjs default" itemscope="itemscope" itemtype="http://schema.org/Photograph" style="bottom: auto; clear: none; display: inline-block; float: none; left: auto; margin: 0px; position: relative; right: auto; top: auto; width: 711.594px; z-index: auto;"><img alt="" height="319" itemprop="image" src="http://www.orientaldaily.com.my/images/made/images/remote/http_media3.orientaldaily.com.my/images/uploads/news/2017/OCT_2017/20171026/bajet-pre-statement_608_319.jpeg" style="border: 0px; bottom: auto; clear: both; float: none; height: auto !important; left: auto; margin: 0px; padding: 0px; right: auto; top: auto; vertical-align: middle; width: 711.594px; z-index: auto;" width="608" /></figure><div>
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[<a href="http://www.orientaldaily.com.my/s/217784">东方日报</a>]<br /><br />
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<div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0tag:blogger.com,1999:blog-7614594028537531865.post-46016390369988282932017-10-05T16:49:00.003+08:002017-10-05T17:21:52.183+08:00YI-LAI BHD TAKE-OVERS & MERGERS (PARAGRAPH/RULE 9.19 (47A)) <div style="background-color: white; font-family: Arial; font-size: 12px; margin-bottom: 12px; margin-top: 12px;">
The board of directors of Yi-Lai wishes to announce that the Company has today received a notice of conditional mandatory take-over offer (“<strong>Notice</strong>”) from Hong Leong Investment Bank Berhad, on behalf of Boundless Vigour Sdn Bhd (the “<strong>Offeror</strong>”), to acquire all the remaining ordinary shares in Yi-Lai (“<strong>Shares</strong>”) (excluding treasury shares) not already owned by the Offeror, the ultimate offerors and the persons acting in concert with them (“<strong>Offer Shares</strong>”) for a cash consideration of RM0.785 for each Offer Share.</div>
<div style="background-color: white; font-family: Arial; font-size: 12px; margin-bottom: 12px; margin-top: 12px;">
Please refer to the attachment for a copy of the Notice. The Notice will also be posted to the shareholders of the Company within 7 days of its receipt.</div>
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This announcement is dated 5 October 2017.</div>
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<span style="font-family: "arial";"><span style="font-size: 12px;">http://www.bursamalaysia.com/market/listed-companies/company-announcements/5564153</span></span></div>
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<span style="color: blue;">Liang Chai: 被收购了?</span><div class="blogger-post-footer">Welcome to my blog : http://liangchai.blogspot.com</div>LiangChai - KLSE 理财部落http://www.blogger.com/profile/01129234856429110739noreply@blogger.com0