To Carol, with Love

I was disheartened to know that my beloved fiancee has to work thru around the clock for the past two weeks and even stayed up until late 4.00 am in the morning. Knowing that this is peak period for you, I just hope that you will take good care of your health.

As our wedding is around the corner, please make sure that you have adhere to the diet that will make you fit, so that you can revert back to the "Princess" Carol that I have met 15 years ago in Christchurch, New Zealand.

So, take care ya.......

Countdown to our wedding date: 151 days.......

No man or woman is worth your tears,and the one who is will never make you cry.

A girl asked a guy if she was pretty, he said no.

She asked him if he wanted her, he said no.

She asked him if she left would he cry, he said no.

She turned to leave, he grabbed her arm and said you're not pretty; you're beautiful.

And I don't want you; I need you.

And I wouldn't cry if you left; I would die
Love isn't finding a perfect person, it's seeing an imperfect person perfectly
No one falls in love by choice, it is by CHANCE.

No one stays in love by chance, it is by WORK.

And no one falls out of love by chance, it is by CHOICE.

Hai-O-------Soaring like an Eagle

Hai-O is a stock that really catches my eye when I am searching for a value stock in Bursa Malaysia. Hai-O engages in the wholesale and retail of Chinese and western wines, herbs, and medicines in Malaysia. It operates in five segments: Wholesale, Multi Level Marketing, Retail, Manufacturing, and Others. MLM so far is the main driver of the company, contributing more than 70% of the total turnover and profit of the company.

For the 3Q (31/01/2008) financial results, Hai-o has chalked up profit after tax of RM29.5 million and the EPS stands at 40.07, a growth of more than 100% compared to RM14.3 million achieved in 3Q 2007.

Based on her historical trend, the company is expecting to announce 4 Q result sometime in June 2008. If the company manages to maintain the same result as it has achieved in 3 Q 2008, the estimated annualise EPS will stand at 58.7 sen. By applying P/E 8 , the share should worth at least RM4.60. The company cash stood at RM47.7 million as at 31 January 2008 and has zero borrowing.

For dividend payment, the company has paid an interim dividend of 8 sen per share in March 2008. If the company can declare final dividend of 20sen per share for this financial year, the total dividend will stand at 30sen. Based on the current share price of RM3.80, the dividend yield will translate at 8.5% which is much better than FD offered by financial institution in Malaysia.

My only complain is that the company share is illiquid.

Looking to buy 10,000 shares at below 3.70 when market open on Monday 26/03/2008.

DID I MARRY THE RIGHT PERSON?

Those who are still single may learn something from here...

Those who are already married may take it as a guideline to improve your marriage & relationship ...

During one of our seminars, a woman asked a common question. She said, "How do I know if I married the right person?"
I noticed that there was a large man sitting next to her so I said, "It depends. Is that your husband?"
In all seriousness, she answered "How do you know?"

Let me answer this question because the chances are good that it's weighing on your mind.

Here's the answer.
EVERY relationship has a cycle. In the beginning, you fell in love with your spouse / partner . You anticipated their call, wanted their touch, and liked their idiosyncrasies (unconventional behavior/habit).

Falling in love with your spouse wasn't hard. In fact, it was a completely natural and spontaneous experience.
You didn't have to DO anything. That's why it's called "falling" in love... Because it's happening TO YOU .

People in love sometimes say, "I was swept of my feet." Think about the imagery of that __expression. It implies that you were just standing there; doing nothing, and then something came along and happened TO YOU .

Falling in love is easy . It's a passive and spontaneous experience. But after a few years of marriage, the euphoria (excitement) of love fades. It's the natural cycle of EVERY relationship . Slowly but surely, phone calls become a bother (if they come at all), touch is not always welcome (when it happens), and your spouse's idiosyncrasies , instead of being cute, drive you nuts.

The symptoms of this stage vary with every relationship, but if you think about your marriage, you will notice a dramatic difference between the initial stage when you were in love and a much duller or even angry subsequent stage.

At this point, you and/or your spouse might start asking, "Did I marry the right person?"
And as you and your spouse reflect on the euphoria of the love you once had, you may begin to desire that experience with someone else.
This is when marriages breakdown . People blame their spouse for their unhappiness and look outside their marriage for fulfillment.

Extramarital fulfillment comes in all shapes and sizes. Infidelity is the most obvious.
But sometimes people turn to work, a hobby, a friendship, excessive TV, or abusive substances.

But the answer to this dilemma does NOT lie outside your marriage. It lies within it.
I'm not saying that you couldn't fall in love with someone else.
You could.

And TEMPORARILY you'd feel better. But you'd be in the same situation a few years later. Because (listen carefully to this):

THE KEY TO SUCCEEDING IN MARRIAGE IS NOT FINDING THE RIGHT PERSON; IT'S LEARNING TO LOVE THE PERSON YOU FOUND.

SUSTAINING love is not a passive or spontaneous experience. It'll NEVER just happen to you. You can't "find" LASTING love. You have to "make" it day in and day out. That's why we have the __expression "the labor of love." Because it takes time, effort, and energy . And most importantly, it takes WISDOM . You have to know WHAT TO DO to make your marriage work.

Make no mistake about it. Love is NOT a mystery. There are specific things you can do (with or without your spouse) to succeed with your marriage.

Just as there are physical laws of the universe (such as gravity), there are also laws for relationships.
Just as the right diet and exercise program makes you physically stronger, certain habits in your relationship WILL make your marriage stronger.
It's a direct cause and effect. If you know and apply the laws, the results are predictable... you can "make"love .

Love in marriage is indeed a "decision"... Not just a feeling.

Remember this always :

"God determines who walks into your life. It is up to you to decide who you let walk away, who you let stay, and who you refuse to let go."

How to make RM1 Million from Bursa Malaysia

Making money from stock market during this turbulence period is getting difficult.

Nevertheless, I beleive there is ample of opportunity at this pessimism time if we look at long term view (3-5 years) .

Sir John Templeton, the famous stock market guru once said:

"Bull Markets are born on pessimism, grow on scepticism, mature on optimism and die on euphoria.

The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell."

Hence, I am trying to build a model portfolio with RM100,000 with a minimum target of 10% return for one year period. Ultimately, I hope the investment will achieve RM1Million in a few years time.

My motto for this investment is "Invest like Warrent Buffet"

Criterias for my stocks selection are:-

(1) Good Management
(2) High Dividend Yield
(3) Growth Stock
(4) The company must be in business that I can understand
(5) Low Gearing

The portfolio is created on 23 May 2008.

Name Quantity Price Total Amount

Resorts 4,000 3.30 13,200

YNH 5,000 2.20 11,000

Ornasteel 5,000 1.53 7,650

TowerReits 5,000 1.28 6,400

Dayang 5,000 1.45 7,250

Hai-O 2,000 3.78 7,560

Cash 46,940
--------
Total 100,000
========

The portfolio will be reviewed by end of every week i.e. every friday.

Simple explanation will be given in next blog as why I buy these stocks.

Super Sales Man from China

A chinaman moves to Montreal , Canada and goes to a big department
store looking for a job. The manager asks, 'Do you have any sales
experience?'

The man says, 'Yeah, I was a salesman back home'. Well, the manager
liked the young man, so he gave him the job. 'You start tomorrow.
I'll come
down after we close and see how you did, but let me give you a bit of
advice. If a customer comes looking, say, for toothpaste, you might
suggest for
him a toothbrush, or shaving cream etc. You get the idea?'

'Of course,' the young man said.

His first day on the job was rough but he got through it. After the
store was locked up, the manager came down. 'How many sales did you
make
today?
The man says, 'One' The manager groans, 'Just one? Our sales people
average 20 or 30 sales per day. How much was the sale for?' The man
says,
'$101,237.64 .' The manager exclaims, 'What? $101,237.64? What did
you
sell him?'

The man replied, 'First I sold him a small fish hook. Then I sold him
a medium fishhook. Then I sold him a larger fish hook. Then I sold
him a new fishing rod. Then I asked him where he was going fishing,
and he said down at the coast, so I told him he was going to need a
boat, so we went down to the boat
department, and I sold him that twin engine Chris Craft. Then he said
he didn't think his Honda Civic would pull it, so I took him down to
the
automotive department and sold him that 4X4 Pajero.'

The manager says 'You mean a guy came in here to buy a fish hook and
you sold him a boat and truck?!'

The man says, 'No, no, no, he came in here to buy a box of Kotex for
his wife and I said,'Well, since your weekend's already screwed up
you
might as well go fishing.'

Priceless Words

A husband wakes up at home with a huge hangover.

He forces himself to open his eyes, and the first thing he sees is a couple of aspirins and a glass of water on the side table. He sits down and sees his clothing in front of him, all clean and pressed. He looks around the room and sees that it is in perfect order, spotless, clean. So is the rest of the house. He takes the aspirins and notices a note on the table. "Honey, breakfast is on the table, I left early to go grocery shopping. Love You!" Totally shocked with the note, he goes to the kitchen and sure enough there is a hot breakfast and the morning newspaper. His son is also at the table, eating. He asks, "Son, what happened last night?" His son says, "Well, you came home around 3 AM, drunk and delirious. Broke some crockery, puked in the hall, and gave yourself a black eye when you stumbled into the door". Confused, the man asks, "So, why is everything in order and so clean, and breakfast is on the table waiting for me? I should expect a big quarrel with her!" His son replies, "Oh, that! Mom dragged you to the bedroom, and when she tried to take your clothes n shoes off, you said, "LADY LEAVE ME ALONE! I'M MARRIED . . . !"

Moral of the Story

Self-induced hangover - $ 400.00
Broken crockery - $ 800.00
Breakfast - $ 10.00
Saying the Right Thing While Drunk ?"PRICELESS"
There are truly some things that both money and Mastercard can't buy . .

Malaysian Politicians, Have You Heard Rakyat's Message?

Why our malaysian's politicians still have not heard rakyat's message. I thought we have send them laud signal on 8 th March 2008 ?

Please tackle the below issues fast:-

(1) Crime

(2) Inflation

(3) Corruption

(4) Independence of Juries

(5) Falling standards of education systems


Wake uplah our YB...............

Malaysia Political Economy

It seems that after recent political tsunami, our politicians still have not waked up. Infighting still going on. The latest drama of Mahathir quits Umno definetly does not work well for Malaysia economy. KLSE has dropped 10 points now.

When can all the wayang stops?