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Serigala
12-07-2012, 12:10 PM
Calling All Investment Gurus

As re. states, during these times... what would be your best bet in investing the extras (short term plan)?
Presently, I have some extras stashed under my pillow - handy for kids college use next year.
But I am not so well-equipped with the various investment plans in the market.

If only (a) kind-hearted soul(s) will show me the way......

Many many thanks!

ng
13-07-2012, 07:59 AM
I would suggest you to invest in a small apartment in a good location for long term investment.

The stock market is going to go down in the future so that is not a good investment.

Rhiga
13-07-2012, 08:06 AM
I think it is dangerous to say in a public forum you have extras to stash, and more dangerous to say you are not good in investing the extras…

Even though you are a serigala, there are plenty of hyenas out there looking for pray !!!

You mentioned you have a college-going kid next year, I guess you are close to 50 or above 50 in age and hence, anything aggressive is not suitable for you..

Let’s talk about number about the extras…

1. If it is less than 300k, than forget about it. There is not much tangible difference you can gain since your investment alternative is limited by the quantum and by the age.

2. If the extra is multiples of 300k . Then, a safer bait is to solicit advice from those so-called premier banking/priority banking of the foreign banks. However, please take note that they are more keen to promote their bank products to earn commission from you, or to meet target for a year end Europe incentive trip..!! Imo, something that can guarantee a fixed return should be good but the rate of return is normally low or just a little bit better than FD.

3. The next one is private banking. Normally, those fellas in private banking will look for you instead of you looking for them. Not many of the foreign banks have REAL private banking in residential areas and USJ/SJ is certainly not in their radar. In the eyes of these private bankers, USJ/SJ people are still a bunch of poor folks, neither here nor there. The nearest one will be the HSBC in Damansara Heights and the entry level is USD 1milion.

Seriously and honestly, I think you have asked the wrong question in this community forum. Those Investment gurus won’t be here and definitely no time to be here..

Cheers

ng
13-07-2012, 10:05 AM
The other alternative risk free investment (in this troubled times other than property) is to invest in Golden Savers Fixed deposit (above 50 years old) which give slightly better rate than normal FD.

Jennylim
13-07-2012, 02:33 PM
Just talking on experienxe, if you are conservatives these are what you can do;
1. premier banking/priority banking as mentioned by Rhiga - they usually have products that give you better return than FD, from short term to long term.
2. Dividend fund – stable ones give you 6% to 8% return plus capital gain.
3. Stable bond fund – usually gives 5% return plus capital gain.
4. Good shares – give you 6% to 9% return plus capital gain.
What is good or stable? You need to look at their records, their debts, assets, business forecast, pass dividend records, who are in the board, etc.
If you have no holding power, just go for item 1. If you are aggressive investor, go for anything but do your research first before you go in.

cml
13-07-2012, 02:51 PM
I think that whatever you do, it would be wise to stay away from the multi level gold investment companies. I think those are ponzi schemes.

kuma
13-07-2012, 05:45 PM
It is commendable that you have worked hard and set aside funds for your children's education and future....the last thing that you or anyone would want if for this valuable nest to 'vanish in a niff',...... for it not the 'money lost' that would be worrisome, wealth can always be earned back....it would be the effect it would have on your children's future as everything will now have to be delayed, unless of course, you have other backup resources lined up just in case.

Many a person....after having saved for their children's education and see this huge pile of money, then think 'why not let this money work for me'....after all, they say that it 'takes money to make money'....and if I do it right, then the investment will pay off my children's education and I'll still have nest all for myself ;).....Yes, this has worked for many before,....may still work, however, at these current times, you just might be taking a risk too far :eek:

Having said that, it would be ideal to 'thread wisely' with that money. ;)

Rhiga has spoken wisely....the last place you want to seek help from is a Forum filled with anonymous people :).....gather as much opinions as you want, but ultimately.....here's what Buddha said:

"Believe Nothing,
No Matter Where You Have Read It,
Or Who Has Said It,
Not Even If I Had Said It,
Unless It Agrees With Your Own Reasoning And Common Sense"......Budda

p/s
As pointed out by Rhiga.....the last thing you would want to do is to walk into a Bank, or Investment Firm/Trader and announce that you have this 'nest' and seek help :heheheh:

zinglicious
13-07-2012, 06:18 PM
When you announced that you have monies stacked in the pillow which is estimated as Rm200,000 per sack, you would be attracting wolves in forum, vultures in the bamk and pirahana from the streets.

From the Mean Old Ex Chef truned Double Agent if he is sleeping on the pillow of cash, the best investment you can make is on your own with due diligence.

The banks? - Those investment consultants with hidden agenda with commisions and hidden fears of not hitting the sales target would be surely eyeing your pillow by painting beautiful dreams of wealth.

In a recent Chinese movie, there is this bank officer trying to hit the target had "advise" customers to place in special mutual funds to keep her job.

In the past, I had a retired American friend where he paid hefty investment consultation fee by Wells Fargo bank to buy Home Depot, Citibank and Microsoft shares which I told him my service would only cost him USD7 per trade over Scotttrade and could advise him with just a treat of Cheese burger which cost him USD5.50.

What evr it is - always ask your financial advisors if they are sleeping on thier own monies of pillow, would they sleep on it with thier investment advice and ask for 10 good reasons why.;)

If the answers given is not satisfactory, wake up from those dreamy scheme especially when it is too early to dream of Cepat Kaya.

ng
13-07-2012, 09:33 PM
Just talking on experienxe, if you are conservatives these are what you can do;
1. premier banking/priority banking as mentioned by Rhiga - they usually have products that give you better return than FD, from short term to long term.
2. Dividend fund – stable ones give you 6% to 8% return plus capital gain.
3. Stable bond fund – usually gives 5% return plus capital gain.
4. Good shares – give you 6% to 9% return plus capital gain.
What is good or stable? You need to look at their records, their debts, assets, business forecast, pass dividend records, who are in the board, etc.
If you have no holding power, just go for item 1. If you are aggressive investor, go for anything but do your research first before you go in.

3. where do buy bonds ? Is the capital guaranteed ?

Jennylim
13-07-2012, 09:48 PM
U can get bonds from fund management companies or banks. Capital guaranteed? Depends! Some yes, some no, you have to read the fine lines. Anyway,when it is guarantee - there is still something not guarantee - that the selling antity will not go bankrupt! Do some research and you will find the right product. I normally compare products and read the prospectors in details - I don't trust investment advisors - they are trained salesmen. They knew what to tell u what not to tell.

patrick
14-07-2012, 04:04 PM
Calling All Investment Gurus

As re. states, during these times... what would be your best bet in investing the extras (short term plan)?
Presently, I have some extras stashed under my pillow - handy for kids college use next year.
But I am not so well-equipped with the various investment plans in the market.

If only (a) kind-hearted soul(s) will show me the way......

Many many thanks!

1. Have you decided where your kids going for college?
2. I dont think property should be your investment consideration as you have stated clearly that yur investment is short term and for your kids college next year.
3. Your investment MUST have short term horizon with easy liquidity as yur kids education cannot be compromised.

Rgds.

ivanhow
14-07-2012, 05:44 PM
Consider this: Based on Mudharabah (profit-sharing principles) contract where the customer act as the provider of fund and the Bank acts as the entrepreneur - for your golden years with golden returns (http://maybankislamic.com.my/c_golden-i.html)... the concept looks good!

ivanhow
14-07-2012, 07:19 PM
If you had invested USD 50K in certain good stocks, like this one (http://www.marketwatch.com/investing/stock/PNW/printchart?symb=PNW&time=12&startdate=1%2F4%2F1999&enddate=7%2F14%2F2012&freq=1&compidx=none&compind=none&comptemptext=Enter+Symbol%28s%29&comp=none&uf=7168&ma=4&maval=50&lf=1&lf2=4&lf3=0&type=2&size=2&style=1013) three yrs ago, you cud have raked in USD50K by now, and is still on the uptrend. And if you've invested in the right stock, it can even give you a return of 5 times your capital. The returns are much better than in real estate properties, and.. with ample liquidity... However, if you have invested in the wrong stocks, it cud have yielded a negative return or even worse. The returns are yours as much as the risk is;), it's all abt timing and opportunity cost...

Bottom line: There are risks associated with any investment. So, do your own due diligence before you plunge into any investment. There is no such thing as a safe investment, even bonds can be risky!

IanQ
14-07-2012, 07:40 PM
Please reconsider what you are looking for. Your holding period is only 1 year max. You should not even be looking for investment plans at all. You should be looking at maximizing the efficiency of your money, not returns. Please pay attention to the difference. At most find the best yielding FDs or Principal Protected Products or very short term Bond funds. Nothing else.

You don’t have holding power. You don’t have time working on your favor. And you are gambling the biggest best investment you could ever make in your life: your children’s education!

But if you feel you need to do something with your fund for the next 1 year else you cannot sleep, then take max 20% of your stash to invest. And if your kids’ destination are overseas, consider this product from banks: Dual Currency Investments and pair to the currency where your kids’ will have use the cash.

I used to work in this actively for a living, both from buy side and sell side banking, creating products for clients to invest in. Nowadays I just let the sales channel decide. So, I have no hidden agenda.
But sometimes I wonder. We are willing to pay big bucks for other profession services like medical or law, but we tend to look for quick and free kill when it comes to financial issues.

No matter what, you have to take ownership of your decision.

zinglicious
15-07-2012, 12:27 AM
Currency play is an investment? I thought it is a mere specualtion as it has no dividend payout?:confused:

I kenot denied shares to currency play has its success stories. Heck, I even might do better than Warren Buffet in short term play by picking a stock that costs USD1.70 to 70cents with due diligence where my payout of multi payout. I sold at USD13.80 in just over a year. From a mere USD 5,000, I had upograded myself to about USD 350,000 trading margin at my disposal in another year. But I was stuck like a glue to the trading from 9am to 4pm, 5 days a week. nicks at the yahoo.com under datotantantan has quite a following with fellow investors. ( those guys didnt know that I was just a cook stirring up some cooking stories. )

But what happened earlier in my life as young as 21 year old , I lost all in it by investing both ways - currency play in NZ stock market. I hit all the doubles until the whole market in NZ crashes in within 1 year! All went Kaput.

Anyway, one of the best investment is child education. Stay on course with that as it would pay good dividend payout and see the size of investment growth. Dont try to outsmart the market unless you are prepared to take risk, really good and work really hard to keep tabs on it. There is no easy monies as in quickies.

zinglicious
15-07-2012, 01:04 AM
Properties market is like share market from the last 3 years where it had zoomed in 50 mph. From Denai Alam where units booked at Rm400K, it is being sold at Rm660K after the handover of keys in 2 years or sales in Bandar Sri Damansara where value or 350k zoomed to 700 at the same period. ;)

But it is all gone with the latest Bank Negara rulings for small players. Only big players in selected localites can withstand any fallouts. Small players would lose out. The big players buy multi units in the project. They engage agents to sell at whatever before the local owners could even blink! Even those units meant to be kept as rental basis is done either quickly by the agents with multi units at thier disposal while single owners are holding the units while awaiting tenants. :eek:

So stay out of the properties market for quickies monies.

Rhiga
15-07-2012, 06:04 PM
Please reconsider what you are looking for. Your holding period is only 1 year max. You should not even be looking for investment plans at all. You should be looking at maximizing the efficiency of your money, not returns. Please pay attention to the difference. At most find the best yielding FDs or Principal Protected Products or very short term Bond funds. Nothing else.

You don’t have holding power. You don’t have time working on your favor. And you are gambling the biggest best investment you could ever make in your life: your children’s education!

But if you feel you need to do something with your fund for the next 1 year else you cannot sleep, then take max 20% of your stash to invest. And if your kids’ destination are overseas, consider this product from banks: Dual Currency Investments and pair to the currency where your kids’ will have use the cash.



Perhaps the above is the best advice based on the available info..

---------------------------------------------------------------------------------------------------------

That is a reason why I said in my earlier post about nothing much to gain if the quantum of the money is less than 300k.

For private tertiary education in Malaysia, I guess the cheapest is the twinning program.

For example, it would cost about 200k to complete a (3+0) twinning program in enginnering, and 200-300k for a (2+1) twinning program where the final year is in the overseas campus.

Hence, with less than one year investment time, I doubt any low-risk-low return product such as the principle-protected or the guaranteed fixed return can yield tangible difference compare to FD.

SiangMalam
15-07-2012, 07:58 PM
I think that whatever you do, it would be wise to stay away from the multi level gold investment companies. I think those are ponzi schemes.Investing in a gold mine in Sulawesi? Aluvial contains 12.10ppm Gold (Au), 4225ppm Copper (Cu) and 1950ppm Silver..........

charis14
16-07-2012, 01:18 PM
I will suggest you go along with IanQ's advise. Main reason : you need the funds next year. Can park in short-term auto-renewal fixed deposits if you want the opportunity to withdraw in event of opportunities which may crop up along the way.

Also, the fact that you can solicit advise gives me the impression you may not be too familiar with the investment scene. I have paid my dues over the past decade and realise that not all 'professional' advise will yield profits which beat FD rates. Of course, most will be able to show fantastic yields during bull runs. However, we are now facing a stock market with low opportunity for gains but high chance for correction. Is it worth the risk?

While waiting for opportunities, may I suggest you learn up which ever investment scene you wish to explore so that you can make your own decision. Be very careful with (a) the difference between buying & selling price, (b) agent's fees & (c) government taxes, etc.

Eeugene
16-07-2012, 05:11 PM
I bought an apartment in Penang (Tanjong Bungah) for RM340K in Oct 2011. Two weeks later, at the time of signing the S & P, the agent asked me if I want to let go and the price quoted was RM400K. Last month, my immediate neighbour sold his unit for RM500K. Does this consider as good investment...?

zinglicious
16-07-2012, 05:29 PM
I bought an apartment in Penang (Tanjong Bungah) for RM340K in Oct 2011. Two weeks later, at the time of signing the S & P, the agent asked me if I want to let go and the price quoted was RM400K. Last month, my immediate neighbour sold his unit for RM500K. Does this consider as good investment...?

it is not only good but great investment in this situational capital play!:cool:

Your outlay is not 340k but 34K at the time of S&P. Even now assuming that you have gotten the bank loan, minus the legal fees, bank charges and taxation, you still make a gourmet meals as now the selling is price is more than 500K! (500K- 340K =170K) Therefore, your 10% capital outlayof just 50K would gives you 120K ( taxation nnot included ). ;-)

Now that would superseed the bank investment miles apart where I would say it is an intelligent investment by far befitting your nick of U genius. ;)

Many double agents I know of makes the same cooking the same way - when they see an under value properties and sell it before even the S&P is being signed where the capital outlay is even smaller. They did it with just 2% of the offer to purchase ( before the S & P which the other 8% is being paid ) and sell it the buyers. Outlay of just RM6,800 but profiting 60K in just matter of weeks! Tax free sumore and no stamping fees :cool::cool::cool:

zinglicious
16-07-2012, 06:22 PM
I will suggest you go along with IanQ's advise. Main reason : you need the funds next year. Can park in short-term auto-renewal fixed deposits if you want the opportunity to withdraw in event of opportunities which may crop up along the way.

Also, the fact that you can solicit advise gives me the impression you may not be too familiar with the investment scene. I have paid my dues over the past decade and realise that not all 'professional' advise will yield profits which beat FD rates. Of course, most will be able to show fantastic yields during bull runs. However, we are now facing a stock market with low opportunity for gains but high chance for correction. Is it worth the risk?

While waiting for opportunities, may I suggest you learn up which ever investment scene you wish to explore so that you can make your own decision. Be very careful with (a) the difference between buying & selling price, (b) agent's fees & (c) government taxes, etc.

Even Warrent Buffet cannot surpass his earlier mutual funds as times goes by......And most of all, those investment funds carriy a warning sign -
"This is for lllustration purpose only. Future dividend or projection are not guaranteed ".:confused::eek::confused:

SiangMalam
17-07-2012, 01:20 AM
If I tell you a USD100,000 investment in a good gold / copper mine or an iron ore or iron ore sand mine can bring you a return of a million in USD in 2-3 years, you guys will call me crazy, too good to believe and perhaps it is a ponzi scam! But I will say it here, It is true and its a normal thing in Kalimantan and Sulawesi...

And perhaps the returns might be better in Myanmar now that the country is opening up to foreign investors and the sanctions are being lifted. Ask Lato Tupai when he returns from Myanmar, I think he is somewhere in Mandalay looking at some opportunities... he brought some folks there to review some investment offers...

Myanmar is rich in gold, nickel and perhaps iron ore... an early entry into the mines could be low cost... but be forewarned the infrastructure in Myanmar isn't as supportive as those in Kalimantan or Sulawesi. Indonesia has a matured support industry like leasing of gen sets, excavators, bulldozers, wheel loaders, tipper trucks etc... and good network of roads and air travel! Indonesia has countless big airlines like Garuda, Lion Air, Nusantara, Sri Wijaya, Merpati Air, Mandara Airways, SriNusa etc... Myanmar don't have this!

Rhiga
17-07-2012, 07:53 AM
If I tell you a USD100,000 investment in a good gold / copper mine or an iron ore or iron ore sand mine can bring you a return of a million in USD in 2-3 years, you guys will call me crazy, too good to believe and perhaps it is a ponzi scam! But I will say it here, It is true and its a normal thing in Kalimantan and Sulawesi...

And perhaps the returns might be better in Myanmar now that the country is opening up to foreign investors and the sanctions are being lifted. Ask Lato Tupai when he returns from Myanmar, I think he is somewhere in Mandalay looking at some opportunities... he brought some folks there to review some investment offers...

Myanmar is rich in gold, nickel and perhaps iron ore... an early entry into the mines could be low cost... but be forewarned the infrastructure in Myanmar isn't as supportive as those in Kalimantan or Sulawesi. Indonesia has a matured support industry like leasing of gen sets, excavators, bulldozers, wheel loaders, tipper trucks etc... and good network of roads and air travel! Indonesia has countless big airlines like Garuda, Lion Air, Nusantara, Sri Wijaya, Merpati Air, Mandara Airways, SriNusa etc... Myanmar don't have this!

Bro,
Good to hear from you after a relatively long time !! :p

Yup, minerals excavation is a high return sector especially in countries which are rich in unexplored resources but hungry for investment money.

Bro, individual’s desire for financial needs and threshold in financial risks is different…There are people who are aggressive and treat financial endeavor as a part of life.... there are people who choose to have a plain, peace-of-mind type of simple life..

I suppose when one reaches 40+, he should know and understand what he wants and what he is able to get in life, financially and materially..

For example, people like me who had worked as a salary man for my entire working life is looking for a comfortable, stress-free type of semi-retirement life now.

Well, it crossed my mind to retire years ago but what the heck I am going to do with the rest of my life. Hence, hanging on a simple desk job in town, spending enough time with family would be the focus of my life now..

Maybe when the kid grows up and pursue his interest elsewhere, then open a small pharmacy store in my hometown Melaka to kill time...or if I really piss-off with this land, go to the little red dot or other countries to be a 2nd class citizen… ;-)


Cheers

IanQ
17-07-2012, 02:46 PM
Many good investment ideas here. But investment plans and endeavors need to suit the investor’s psyche and profile. Serigala, hopefully you take this into account.

Another side of investment which many of us don’t pay attention is the preservation of wealth/income as resources. Do consider taking on medical insurance to protect oneself and loved ones so as not to deplete one’s resources.
Life insurance or term life should only be seriously considered if it is to protect the life-style of one’s dependants. Don’t let insurance agents sell you things that are of irrelevant and/or over-insured as well.

Think of money as resources to maintain one’s life style or pursue one’s dream, no more no less. It is something to protect and focus just for that. After that, focus on more important things in life!

zinglicious
18-07-2012, 07:19 AM
Not a very intelligent investment - http://thestar.com.my/news/story.asp?file=/2012/7/18/nation/11680090&sec=nation

100 complaints were reported to be conned by investment scheme and perhaps as many as 10,000 being conned troughout Malaysia! :eek:

kuma
18-07-2012, 01:07 PM
Bro,

Maybe when the kid grows up and pursue his interest elsewhere, then open a small pharmacy store in my hometown Melaka to kill time...or if I really piss-off with this land, go to the little red dot or other countries to be a 2nd class citizen… ;-)

Cheers

No need to go elsewhere. :)......we are still pretty good, so say this Economist.

Malaysia has diversified, competitive economy and healthy banking sector, says economist......

Quote: "Malaysia's economy is diversified, competitive and has a healthy banking sector, says a Senior Economist at ABN Amro Group Economics.

Maritza Cazebas said these were positive points to soften the impact of a global economic slowdown.

She said the Malaysian economy performed well during the first quarter of the year.

"But the slowdown of the global economy and weak external demand are weighing on its outlook. Malaysia remains one of the countries most highly exposed to external demand"....Link (http://www.themalaysianinsider.com/business/article/malaysia-has-diversified-competitive-economy-and-healthy-banking-sector-says-economist/)

See....we still the best!!....this is surely a Blessed country....Like I've said before, God's Pet' ;)

kuma
18-07-2012, 01:26 PM
Not a very intelligent investment - http://thestar.com.my/news/story.asp?file=/2012/7/18/nation/11680090&sec=nation

100 complaints were reported to be conned by investment scheme and perhaps as many as 10,000 being conned troughout Malaysia! :eek:

This one is BIIIIG! :eek:

Stretches across many countries and lotsa people...seems that [quote] "Members came for the meeting from Selangor, Penang, Perak, Negeri Sembilan, Johor, Sarawak; including Singapore & Iran. Amount run up to US$400m worldwide" :eek:

You can find out more at this FB Page (http://www.facebook.com/FusionexcelFB).

When are people ever going to learn that there's 'No Such Thing as a Get Rich Quick Investment Scheme'....even if there ever is one,....sorry, but most of us are not in the 'Club' to be invited in ;)

Rhiga
18-07-2012, 01:38 PM
No need to go elsewhere. :)......we are still pretty good, so say this Economist.

Malaysia has diversified, competitive economy and healthy banking sector, says economist......

Quote: "Malaysia's economy is diversified, competitive and has a healthy banking sector, says a Senior Economist at ABN Amro Group Economics.

Maritza Cazebas said these were positive points to soften the impact of a global economic slowdown.

She said the Malaysian economy performed well during the first quarter of the year.

"But the slowdown of the global economy and weak external demand are weighing on its outlook. Malaysia remains one of the countries most highly exposed to external demand"....Link (http://www.themalaysianinsider.com/business/article/malaysia-has-diversified-competitive-economy-and-healthy-banking-sector-says-economist/)


See....we still the best!!....this is surely a Blessed country....Like I've said before, God's Pet' ;)


I believe this economist came from the same school where your 1pm studied his economics

Well, just pay me half of what he is getting paid to write this rosy stories, I can rewrite his article that bolehland would be a place that even angels from heaven would want to migrate to this land !!! ;)

creativ
18-07-2012, 01:45 PM
No need to go elsewhere. :)......we are still pretty good, so say this Economist.

Don't believe what economist/analyst/brokers say.

Look what happened in 2001 Dot-com bubble? 2009 US Real Estate crash? People were optimistic before the crash, look what happened?

zinglicious
18-07-2012, 01:49 PM
This one is BIIIIG! :eek:

Stretches across many countries and lotsa people...seems that [quote] "Members came for the meeting from Selangor, Penang, Perak, Negeri Sembilan, Johor, Sarawak; including Singapore & Iran. Amount run up to US$400m worldwide" :eek:

You can find out more at this FB Page (http://www.facebook.com/FusionexcelFB).

When are people ever going to learn that there's 'No Such Thing as a Get Rich Quick Investment Scheme'....even if there ever is one,....sorry, but most of us are not in the 'Club' to be invited in ;)

Incidentally the company were using Phua Chu Kang to advertise thier scheme. :D

There's oredi a warning sign given where PCK said - Dun Play Play. ( where he was saying there is a lot of greedy suckers from Selangor & Sarawak. Some say Iran ,too! :rolleyes:

People are just oblivious to the obvious. They just refused to accept the Ugly Truth in investing. Always looking for some quickies or PYT flashing thier lips. Where got Godess of Monies jumping around town for some quickies investments? And if I know what is the winning combination of Magnum Jackpot, would I tell anyone? :confused:

Many have asked, some have begged, few have knock 3 times but have anyone see me even giving out my exclusive menu recipe in the forum or Subang for free?? :p:

Just like one of the favorite phrase of PCK in his movies - I aint stupid.:heheheh:

kuma
18-07-2012, 02:19 PM
Don't believe what economist/analyst/brokers say.

Look what happened in 2001 Dot-com bubble? 2009 US Real Estate crash? People were optimistic before the crash, look what happened?

Ah-hah! ;-)......so it may look like the 'spin-masters' are having a hard time convincing the 'awakened' :laugh:

But your warning will fall on many a deaf ear....for these 'masters' know that there are enough 'sheeple' out there in the flock......to lead astray :rolleyes:

zinglicious
18-07-2012, 02:34 PM
Patient with genital warts in the clinic -
"Doc, I dun think I wanna to be injected with, take this anti viral medication up to 3 months and rubbed ointment 3 times a day. I wanna to seek a second opinon from my healer "

Patients to a Bomoh Faith Healer
" You mean you just sapu once the Air Sumpah and that's it?" Great."

Bomoh Faith Healer
" Korek, "

Three months later, He limped to the Bomoh Faith Healer
-" Tok, my gential dropped off!! "

Bomoh Faith Healer
" So, are the warts hanging on it "

Too bad, the ugly truth hurts

cml
18-07-2012, 04:48 PM
A friend of mine showed me the pendants and I laughed till my tears come out when he asked me if i wanted to take part. I told him no one could catch me dead wearing those bladdy things. And that was early last year before all this came out. My friend is an accountant but yet still falls for stuff like that.

tupai
21-07-2012, 02:25 PM
HAHAHAH. Agreed 100% Same principles apply everywhere in the world inclu Sjaya.
Intelligent Investment Plan doesnt drop from the sky more so from fella prob poorer than ye own self....Never also trust those advisers from even banks...they are so young with not more than 1-3yrs experienced as so-called 'bankers....Most likely they are still renting room,/living with parents, have savings account (spillover from childhood), hang out at mamaks and you want to entrust your million$ with 'em? Ok lah, if u hv to entertain ye local hairsaloon shampoor girl partiming as unit trust agent...Similarly they are no diff, all salesperson hawking a 'worthy' financial procust (so do read the prospectus and judge for thyself).

Myanmar? tats a land of pagodas, pagodas, pagoda and more pagodas coming outta my archeological ears.:p
Bizz opps? What? I'm now lookin' like a free bizz fixer-consultant-dispensing machine to ye? HAHAHAHA! Okey, ok, okay...to some of the unlucky few :D

Yang Ada Banyak cable TIUxlatotupai:cool:

p/s short term? FD is best. Bonds are aplenty. But many are now mixing up AAA with A, BBB and even B to be sold as 1dedicated bond under a reputable AAA bank-led issuer. Paying coupon anything from 5.5-7.5%/yr with leveraging offered. Nothing less than 5yrs tie down. Good luck.

zinglicious
23-07-2012, 07:17 AM
iSayman, dat's not music to the ears. Malaysians like " Cepat dimasak, Sedap dimakan" dalam Skim Cepat Saya Kaya instead of Tumbuh and tunggu durian jatuh dalam Tahun 5. :D

SiangMalam
23-07-2012, 05:05 PM
Lato Tupai, Myanmar is promising and looks interesting but unfortunately the support service isn't there. The manganese ore mines are amongst the best in the world in Myanmar but its tough getting leasing for excavators, wheel loaders, bulldozers, tipper trucks and even gen sets...

If you look at Kalimantan and Sulawesi, you can see Caterpillars, Komatsu, Hino, John Deere and Hitachi, Kobelco dll all there ready to support the investors with heavy equipments.

The road networks and the ports especially the loading jetties are all there or could be easily constructed in Indonesia but Myanmar is still in a very infancy stage.

Why not we reverse the role? I take you jalan-jalan in Kalimantan and Sulawesi - if you don't mind travelling in a 5 seater Cessna....