Tuesday, September 27, 2011

Saturday against the blues....

So far, Liverpool has played 6 games, gained 10 points, lost twice and drew once. Not bad considering the fact the first eleven players that has been playing most of the the league consist of a couple of new players....Especially in the midfield area where only Lucas was the surviving member of the Rafa/Hodgson era.

This is the area that I have most of my concerns though. It is not as compact as it was during Rafa's era. Only Downing and Lucas seems to be at ease at their positions and the other two, Henderson and Adams can sometime drifts apart as the game went on. Let's hope King Kenny has something up his sleeves with regards to these two players. A plus point though, Stevie is back but it remains to be seen whether he can get back to his old playing styles during Rafa's era.

The team now has a good strikeforce with Bellamy, Suarez and Carrol up-front. On paper, it should scare the shit out of most teams in the league. The amount of chances created and the way the team played especially during the first half of most matches proves that Kenny now has assembled a good team. However, the team seems to its focus during the second half which most team has now taken advantage when facing us.

Anyways, I'm hoping for another 3 points against the 'friendly' neighbors. It won't be easy but if I have it my way, I'll opt for Suarez to lead the line again....and with 5-man midfield consisting of Downing, Adam, Lucas, Bellamy and Kuyt. A 3 man back line consisting of Carragher, Coates and Skrtle should be good enough to balance the team on the defensive side.....

Sunday, September 25, 2011

Good morning....

HOw was everybody's weekend?

I had a nice and busy weekend.

Spent later part of Friday night lepakking with some friends. It's been ages since we last met but we certainly had fun!!

Nevertheless, I was home quite late and was up and running again on early Saturday morning. I went to play golf at Tiara Melaka, of which, I think I played rather well....Considering the fact that I was playing like a beginner for the last couple of weeks before....hahahahah

Anyway, I'm expecting a busy week this week!! I have all the appointments lined up till Saturday.

I hope to get a new tenant for Desa View Tower before the end of next month, and obviously, if I can get another tenant for Unipark Condo before November will be a super bonus!!

Have a good week everyone!!

Thursday, September 22, 2011

In flame....

As I was on my way home after picking up kecik from her a school, I witnessed an extraordinary 'incident'. I have to be honest to say that I rarely see a Lamborghini on Malaysian road but to see one with flames all over it is something else.

I pity the owner and the car itself might costs almost RM1m. A truly rich man's toys!!

Monday, September 19, 2011

Ultra Magnets.....

Fridge magnets....I love 'em.....

Wherever I go, I'll try to make sure I get at least one fridge magnet from that particular place...Hehehe....

Sunday, September 18, 2011

Spuds 4-Libpool 0

That was a bad game!!

Can't remember when was the last time Pepe had 4 goals passed him in a game..How do you expect to battle on with on 9 men on the field. I had a strange feeling about the game before it even started and for the spuds to score 1 inside 10 minutes, I'm pretty sure that the game was lost by then. That makes it so frustrating to see. It makes it harder when Adams was sent off with about 60 minutes of playing time to be played. It'll take some effort for the 10 red men to play against a fluid Spuds side.

Anyway...the season is still long...another 33 games to go. All they need to do now is to make sure to get the maximum points available from now till May 2012. Liverpool is only 4 points better than the last team in the league and 8 points behind Man Utd after only 5 games.. The team will obviously need time to gel and things like this will happen sooner or later....

Man Utd is definitely flying and so are Man Citehhh.....I would say that, this year's Premier League champion would be either Man Utd or Man Citeh. The third place would go to Chelski and the battle for 4th place would be Arsenal, L'pool and Spurds....

Bring on Brighton!!

Thursday, September 15, 2011

A casual conversation over ciggy break

I just had a casual conversation with a colleague about 30 minutes ago....The conversation goes like this...

Me: Eh bro, heard that your wife's pregnant...Betul kah?

Mr T: Yeah man....(muka blank jer)

Me: So congrats la daddy-to-be

Mr T: Thanks man, but I have some worries lah...

Me: Worry pasal apa?

Mr T: Having kids nowadays means money.

Me: True...true...

Mr T: How's your kid?

Me: She's in playschool now...

Mr T: How much eh the fees?

Me: Quite a lot if you ask me. But we always have options, whether to send it to Taska or the more expensive private ones...

Mr T: I think I better start thinking of doing some savings plan for the kid lah...

Me: You should bro, and you better start now.

Mr T: I need someone to guide me a wee bit. Coz, saving money in the bank's savings account doesn't give a good return...

Me: Well, again....we have options...we have FDs, ASWs or unit trust. But if you have RM20k-RM50k now, we can start investing in shares or IPOs. Hehehehe

Mr T: hahahaha...but seriously, i need to start something lah...

Me: You do.....and I can help you a bit in making those decisions...

Before we end our 'short' conversation, we finished up 3 sticks of cigarettes (I know, I will quit next month!!). I briefed him on the options that he has especially in investing in unit trust and he seems to be interested. I told him to take his time and talk about it with his wife and make the right decision for him and his family...

I did highlight the importance of saving money and put it in a place where it can give you better returns in the future. I try not to be too technical but I did mention that the value of a RM10 now won't be the same as the value of RM10 in 5 years time.

So to be honest, we can't tell people what to do with their lives, but what we can do it show that there are a lot of ways that we can generate passive income just by saving a small portion of our income.

I hope to write about compounding and education fund later when I get back from dive trip. Hehehe

Have a good holiday everyone!!

Unipark Condo for Rent (2011-2012)

Monthly rent: RM 1900
Bedrooms 4
Type: Apartments, For Rent
Size: 1252 sq.ft.
Furnished: Fully furnished
Facilities: Swimming pool, Gymnasium, Tennis court, Mini market, Covered parking, 24 hour security, Balcony/Patio

- 4 rooms + 2 bathrooms,
- Brand New unit
- Located on the 12th Floor
- Excellent view of KL,Bangi,Putrajaya
- Spacious living room. Fan at every room.
- Quiet area.

- tight security, 1 covered parking lot, swimming pool
- Located within university area.

Near amenities
- Alamanda Shopping Mall,
- Uniten
- Bangi/Kajang/Putrajaya/Cyberjaya all located within 20 minutes drive

Easy access to all the major highways (PLUS/SILK)

Available for rent from September 2010

Call: En Wan 0122866347

Tuesday, September 13, 2011

Inflation.....A threat?

When I was a lot younger, my dad used to give me RM2 per day for my daily expenses at school. That's the money that I used to buy the Hotplate Mee, sirap ais and some other stuff. If I can recall correctly, when my little sister went to school in the 2000's, it was RM5 per day. It is possible that some kid will need RM10 per day in 3-4 years time. Plus...I can still remember that you can get a cigarette at 30 sen per stick in the late 90s. Nowadays, it's RM1 per stick. Heck...I know of a makcik who now sells her kuih tart nenas for RM1.50 per piece!! Imagine if you order 20 piece of tart nenas from this makcik....it'll cost you RM30!!!

To me folks, these are what I call inflation.To be a little bit more technical, it can be further defined as a rise in the general prices of foods and services in an economy over a period of time. As inflation increases, every ringgit that we own buys a smaller percentage of a product or services. In a layman's term.....our purchasing power decreases.....

The most well know measures of inflation would be CPI (Consumer Price Index), which measures the percentage change in the cost of purchasing goods and services by consumers over a period of time

Our very own inflation rate at 31st July 2011 is 3.11% as reported from tradingeconomics.com. However, it is good to note that we have to calculate our very own personal inflation rate to have a better and clearer picture as to how inflation affects us individually...

Based on what I understand, there are 2 reasons for  inflation which is high demand, low supply and the rise in the production costs. Basic economic tells us that when there is a demand for a products or services but shortage of supply, the price will go up. If I can recall correctly, this is what we call demand-pull inflation. When the price of raw materials go up, production cost will increase which in turn will increase the price so that companies maintain their profit margin. Furthermore, their workers will demand higher salaries as the company will pass these costs to the consumers.

So when inflation increases, logic tells us that our purchasing power decreases. A RM1 may buy you a teh tarik 3-4 years ago but now, that's no longer the case. In fact, we may find that in general, the price of most products and services are rising by the hour. Just 2-3 days ago, it was announced that the telco's company will be charging 6% tax on the consumers. In fact, it's even worse when the interest rates going up as loans will cost more which in turn, we have to pay more.....

Hence.....how do we beat inflation (if possible)...

The ways to beat inflation that I can think of now would be:

1) Start investing in the correct investment

As we can see from the graph above, our current inflation rate is at 3.11%. So, for ease of reference, we have to be smart and ensure we invest in places that can give us better returns than 3.11%. What's the rate of return for FD nowadays? Is it 3%? So, a good place to start would be ASB, ASD and Unit Trust

2) Diversify

Almost everybody knows this rule of investing. Never, EVER, put all your eggs in one basket. In other words, you need to diversify your investments portfolio. You may have 40% property investments, 40% unit trust investments, and 20% other investments. You may also split your unit trust investments into equities or bonds or whatever....

3) Invest extra cash in hand to ASB or balance fund. Better still, invest in gold.

4) Debt management. It's time to reduce debt to a minimum level as interest rates usually increases in tandem with inflation. Perhaps, it's time to settle off those highest rate loans as quickly as possible....

So there you go, my brief thoughts on inflation. Obviously, there's more to it that I have just wrote but the bottom line is whether we like it or not, we just can't ignore the importance of saving money. Hence, do what you gotta do and have a nice day....

Hello again.....

After almost a month of non-blogging, I'm now back fresher and focused. The reason that I didn't blog for the last 30 days or so was I needed some time off to reflect on things that I should and shouldn't do. It's nice to get away from things that you've been doing so often...

Anyways, lots of things has happened for the past 30 days.. and I hope it's not to late for me to wish everyone Selamat hari Raya and Maaf Zahir Batin. I had a wonderful Ramadhan and Hari Raya for me and my family was superb. It's been a long time since we as a family celebrate 'raya' together as my lil sister who's now working in the States decided to come back specifically to celebrate Eid with all of us..I hope, everyone enjoy their raya and I believe, we are still celebrating it....hehehe

So, like I said, I'm now back fresher and more focused. Rather than dwelling on petty stuff, I decided to put my head down and do things that I believe that develop myself into a better person.

Just a quick note on my property at Desa View Tower, the place is still available for rent. The current tenant will be moving out in 2 weeks time so I might need a week or so to clean/repair the place before a new tenant comes in. I realised that the place has a wee bit of a problem with the drainage system. That's always a case with apartments eh?

On my other property at Unipark Condo, the current tenant decided not to renew their agreement so the place is up for grabs for those interested. I've yet to determine the rate as yet. I would assume that the place would be ready by Nov 2011.

Alright then, hope to write again soon...see ya...and have a good day