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Malaysia Plans to Borrow Money from Japan Amid 1 Trillion National Debt - What You Must Know

2018-06-13T09:04:00.003-07:00

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1. Malaysia prime minister Tun Dr Mahathir has expressed his intention to borrow from Japan to lighten the financial stress on the Finance Minister. The move is expected to trim down the interest payable on current national debt.

2. It is normal for governments to borrow money to develop their countries. In most cases, the borrowing are deemed beneficial as long as the economic stimulation from the borrowed money overweights the cost of borrowing.

3. Compare Singapore and Malaysia, GDP of Singapore is at USD 297Bil while Malaysia stood at USD 296.4Bil, which was similar (latest data available, year 2016). Singapore debt estimated at USD 532Bil, while Malaysian new government claimed the national debt to be USD 272Bil. The charts below shows a clear comparison between the debts of Malaysia vs Singapore, and their GDP. If you have no economic background, GDP simple means how much value of goods and services the country people has produced for the year.

Figure 1

Figure 2

4. Refer to Figure 1, the GDP of Singapore was slightly more than Malaysia, despite having much smaller land, no resources, and smaller population. Something is very wrong but it's not today's focus. Now the new government is telling the people that Malaysia debt is in a very bad shape, citing that the debt is already at 80% of current GDP according to their estimates.

5. Comparing the current debt estimation against the 2016 reported GDP, Malaysia debt to loan ratio was 92%. What does this percentage mean? Do you think that once a nation's debt reach 100% of GDP, it will go bankrupt? If you think it will, please look carefully again at Singapore's national debt to GDP ratio. It's at whopping 179%. Did Singapore go bankrupt? No, they are doing very well, even better than Malaysia in terms of average income per person.

6. How does this happen? I give you a simple example:
You have a food stall that sell RM 10,000 food a month.
From there, you make around RM 3,000 net profit a month.
You borrow RM 10,000, for 30 years from ABC bank to buy ingredients and machine.
Bank requires you to pay RM 60 a month for next 30 years until the debt and interest is cleared.
Does owing RM 10,000 to bank make you bankrupt?

NO.

7. While it's good to keep the national debt low, a higher national debt or 100% national debt to GDP ratio does not guarantee national bankruptcy. IT IS NOT A DIRECT EQUATION.

8. Tun Dr Mahathir borrow from a low interest nation is a strategic move. From current debt portfolio, there are some debts with high interest up to 6.66% per annum. Japan policy rate is now at -0.1%. If Malaysia is able to secure a USD 5Bil(apprx RM 20Bil) loan from Japan at 1% interest rate to settle the high interest debt, that will save 5.66% interest for the amount, which could be apprx USD 283mil (RM 1.13B), ideally.

9. However, if Malaysia were to borrow from Japan, Japan will have the says on the allocation of the fund. We might not be able to offset the high interest loan with all moneys borrowed. In this case, with little interest written off from the debt, we are actually pilling up more debt. If we can only use USD 1Bil to settle the existing debt, that would add USD 4Bil to our existing debt portfolio.

10. Not all political moves should be viewed numerically. With this loan, we might see increased trades and technical support from Japan. This is very beneficial to Malaysia in the long run. The money borrowed can be spent on infrastructures and fiscal loosening. The key objective here is not so much to reduce the debt of the country to 0, but more on increasing Malaysian's productivity and our spending power.

11. The main reason to postpone the RM55B HSR project shouldn't be the national debt level. This is misleading. With inflated project costing, be it at high or low national debt, the project need to be re-assessed. The affordability of the expensive ticket is one thing, the time taken for the project to break even is another argument. Consider from the government financial perspective, the ticket fee vs construction cost break even period calculation model has underestimated the domino effect of economic impact it might bring.

12. Government gets tax income one way or another when there is a good or services created, whenever there is a value creation process. Don't underestimate the power of RM1 note. When the note is transacted for 4000 times in a year, it creates RM 4,000 GDP. Along the 350km railway, imagine property developers build and sell RM 300B worth of property in 10 years to come from the spillover effect of HSR, government would have generate hell lot of taxes from there (eg, company and staff income tax, import tax for materials, SST, etc ). What about the tourist spending? Singaporean weekend visit to spend and have fun? New jobs created, new business opportunity, new technical and technological exchanges. Think independently, HSR is not a bad project at all. Re-tendering the project to involve more local, at lower cost, it will be a game changer for Malaysia.

13. Malaysian debt is not as scary as the political propagandist want you to believe. As long as we can increase our productivity, work harder, create more wealth and value, Malaysia will have no problem paying the debt and WILL NOT GO BANKRUPT. Even with RM 1 Trillion debt, with 32 million malaysian, each will bear only RM 31,250 of debt . Today if you buy a Toyota Vios with RM 25k D/payment, you already owed more than RM 31,250. So you get the concept?

14. The government should prepare a platform for domestic business to grow. Elevating the competitiveness and productivity of local businesses against international player is a must. Empowering the people with knowledge and technical competency is a must. Educating the people with the right value, culture and mindset is a must. Finding excuses to buy time for delaying manifesto, is a shame. Do what you must, and lead the rakyat by example, and create a high competitive nation. Happy New Malaysia, Happy New Merdeka.

15. If you love Malaysia, if you want Malaysia to be great again, if you want to have New Malaysia where people is the boss to their government, spread the awareness to more people. Knowledge and awareness is the key. If people are still easily manipulated by political lies, Malaysia will never change. Changes start from Rakyat. Share this out!

Tabung Harapan Malaysia - Why You Should Not Donate

2018-05-30T07:32:00.001-07:00

Tabung Harapan Malaysia Is Not Required

1. The Pakatan Harapan government promised to abolish the GST in their PRU14 manifesto.

2. During the campaign period, they were asked how are they going to maintain a healthy fiscal budget without GST. They said that they can do it by retrieving the money wasted and embezzled by previous corrupted officer. Besides, they will also make sure the government run clean and lean, which will reduce wastage and spend money effectively.

3. Since it has been foreseen and pre-planned, there is no need to form Tabung Harapan Malaysia (THM). If the government know so surely they can solve the debt dilemma without needing to crowdfunding before the election, then it does not justify the forming of such fund.

Many Other Ways You Can Help Malaysia

4. Have you paid your PTPTN? As of November 2017, PTPTN has RM 6.8 billion due loan outstanding.This alone, is enough to pay off 4.2 billion debt of 1MDB. RM 2.8 billion are form people who has yet to pay a single sen. Brilliant, isn't it ? PTPTN is a federal fund. When you owe federal money, federal has to owe someone else money. So those who are yet to pay your PTPTN, know what to do? Instead of donating, pay your debt first!

5. Malaysian must stop freaking duit kopi culture. If you talk on the phone while driving and pulled over by officer, be a patriotic citizen and take the summon ticket. If you still owe your saman, pay it!

6. If your life is not that hard, do not be muka tembok and claim your BR1M. If you can spend on luxury item like Iphone, Starbucks, Travel... yes , I'm talking about you!

7. Hey tax-saving heroes. Well, you know I know. Many people are smart ass, damn savvy to "optimize" their tax, be it company or personal income tax. Seriously, it is not really that hard to do it. If you are patriotic, just .. pay your tax, and be honest to yourself. That's it. No elaboration.

8. Catch the fatty JL, Fatty Hippo, Shake out the Chicken, and all their cronies. Return people's money to people. PH government has just reduced the number of government officials and created so much unemployment. Give them some jobs, since many of them probably know insider info.

9. PH government to run real transparent, effective governments and cut down wastage in years to come, that would reduce fiscal deficit.

More Fund, More Temptation

10. While there are many other ways to solve the debt, forming a government crowdfunding is a shame for a nation, and a confident killer for FDI. PH government is telling investors "I cannot fix this mess as I boasted, I need minta derma from my own people".

11. To be neutral, whether PH government is all that clean, is yet to be proven. Will THM be another 1MDB? We do not have crystal ball. I do not say it will, but you cannot say it will not too.

THM Is Really Not Necessary After All

12. If Rakyat can do the four points mentioned above, there would be easily over RM 10 billion, or even 20 billions of fund collected by the government (don't be surprise, normal people around us, owe government a lot of money too).

13. There is no shortcut in cleaning a 61 years mess. Donating to THM, and quick-fix the debt issue, is not healthy to the nation. The real revolution is not changing of government. Is the changing of the people's quality and mentality. PH government should not shortcut this revolution by asking for crowdfunding. They need to deliver what they promised. GST is to be abolished, not today but one day, when Malaysia is clean and efficient as a nation, not just the government.

14. Malaysia is you, me, and him. Not Tun M and his government.

15. Happy New Malaysia.

You Need to Know This Before You Invest In Property

2018-05-28T07:57:00.002-07:00

1. Property investment is a long term commitment.

Common Mistake

2. Not all property purchase are good investment. A good property investment make cash for you. You need to minus costs such as :

i) Bank Interests
ii) Maintenance Fees
iii) Quit Rent
iv) Assessment
v) Insurance
vi) Periodical repair
vii) Legal Fees
viii) Agent Fees
ix) Stamp Duties
x) RPGT
xii) Title Transfer Fees

3. Alright. Don't be scared by the long list. Gone are the days when you can flip and make a fortune in property market. People no longer buy a property based on speculated news. Some people call this property market slowdown, I call it re-positioning and consolidation/normalization.

4. If you own a business, it has to give you income from time to time. When the income increase over the year, your business increase in value. This is why shares with higher dividend fetch better price - the same reason why you look for FD with higher interest.

Rule of Thumb

5. If your rental return is lower than the interest you pay to the bank and your ongoing maintenance, it is not a good investment. You could be betting for nearby amenities upgrade, but unless your get insider news, chances is that your seller has factored that in. If you rely on insider news, it's nothing official until it's announced. Your risk is high especially on high leverage investment like buying a property.

6. Running Airbnb is a good idea, but pay close attention to the location you choose and the matrix of the surrounding development. Your neighborhood might not welcome such activities and it might depreciate your property value. Property are bricks and mortars but each community is different. You should view them differently.

7. Do not jump in buying a property just because it is cheap. If the property generally remain cheap even after many years of vacant possession, check out the developer background and the property management issues. If the developer has bad reputation for delivering poor workmanship, your property might not appreciate for years to come.

8. Do not rush in to buy a secondhand property below market value. Hang around and investigate the immediate neighbor and look out for possible nuisance. Do check with property management, make sure there is no serious outstanding issues with the property. Buy a good property at market price is better than buying a problematic property below market price.

9. Buy a property like a property tenant. How much are you willing to pay to rent there? How convenient is this property if you are working nearby? How much can you afford to rent here, if you are working nearby? Ask these killer questions. One day, you need to answer that to your tenant. If your property is not rented out, you are making a bad investment. Now imagine your cash flow is stuck.

10. The above law is exceptional when you have holding power and you are offered a rare property in an island where land is limited, and the economy is improving that you see airport undergoing expansion, roads becoming wider, and more businesses is setting up. Buy and wait patiently for at least 6 to 10 years, then you will be heavily rewarded. Best is when you can find a property like that with a high rental value.

Easy Way Out

11. Do you know nowadays you no longer need to find tenant, collecting rentals, monitor your housekeeping contractors? It's very tiring. Are you aware that you no longer need to worry that your property management ruin your investment? You can invest in a property managed by 5-star hotel chain. Imagine you can sit back and relax, and watch the cash flowing into your bank statement rather than paying mortgage from your pocket and make banks richer. Be an intelligent investor, not a bank feeder.

12. Use that rentals collected to invest in another property like this, and keep the dollar ball rolling.

13. Now you get the idea? If you don't, read from point No.1 again.

Langkawi is the New Property Investment Focus

2018-05-25T07:01:00.005-07:00

The Legend is Back

1. Tun Dr Mahathir has won a glorious victory in PRU14 representing Langkawi Parliament.

2. In early 1980s, Langkawi island was an island of farmers and fishermen. in 1987, it was declared to be a duty free island. That was where the Langkawi saga started. Duty free shops started to mushroom and more and more people going to Langkawi. Tourism related businesses started to make a lot of money.

3. In 1991, the first Langkawi International Maritime Aerospace exhibition was held. According to the narration of the local, people had to sleep in airport, because there was simply not enough hotel back then. The once in two year event bring Langkawi under limelight, and it gain track of international attention since then. More and more international event such as La Tour De Langkawi, Supercar Exhibition, yacht exhibition and triathlon events is held there. Today, the island is full of events all year long. You can check the event calendar here.

Behind the Limelight

4. Over the past 15 year with BN ruling without Tun M, Langkawi fades in the media facing the competition from its peers in Indonesia, Thailand, and Philipines. Even though the number of tourist grew from under 2 million to 3.6million, it's hardly reported in the news nor it was promoted well to the locals.

5. Langkawi faces the stagnation of tourist arrival growth since 2014 due to airport saturation of handling capacity. Currently it can handle 2.5 million arrival per year. The airport is under expansion and the first stage will complete September 2018. By 2020, the airport capacity will be doubled to 5.0 million a year. Kuah Jetty was saturated during peak season too. It's been expanded with new handling capacity of 7mil early this year.

The Next Saga In The Making

6. International luxury hotel chain, such as St. Regis, Ritz Carlton, Danna, Datai are in Langkawi today. St Regis spent RM 400 million to set up a complex with 85 hotel units. Averagely per hotel asset costs RM4.7million. Langkawi is poised to experience a high demand in high spending power tourist in the near future, when the new airport capacity is ready.

7. If you travel to Langkawi frequently, you can notice that there are more China tourist in recent years. The number of China flight is expected to increase. The South East Asia market is very big. Even with Phuket, Bali, Kosamui, Krabi in the competition, the market is still too big to be fully digested. The earth is rich enough to provide every one.

8. In Langkawi 2015-2030 masterplan, it's worth highlighting that the local authority still request for tender for hotel operator. The reason is simple - the hotel is still under supply, and will continue to be under supply. Currently, during peak seasons, even the rumah kampung are also fully occupied. The average occupancy rate for hotel has never go below 60% for the last 10 years.

The Land Rule Is Different Here

9. In Langkawi, you might see a lot of empty land, but you cannot simply develop on those land. Firstly, they need to protect their Geopark heritage. Langkawi has the oldest geopark in the country. The unique land formation is unique to the region. You can see, you cannot touch. More than 90% of the land available in market are Malay Reserve - only can be transacted among Malay Only. The non-Malay reserved land, are leasehold. Freehold land is as rare as gold.

10. To build a hotel, it takes at least 3 years. Imagine with new total tourist capacity of 12million (5mil from airport, 7 mil from Kuah Jetty), there are a lot of room to grow from current 3.6mil limited by airport and jetty saturation.Unfortunately, the land available for new hotel development is only so little, as a result of strict preservation regulation.

11. If you can find a freehold property in Langkawi, buy. Don't think, because the freehold land is only so little in Langkawi. If you see any property in Pantai Cenang and Pantai Tengah, buy. Don't think, because in years to come, the new tourist capacity will pump hotel demand in the area like steroid. If you can find a property in the same area that can run as hotel and you have the money, don't just buy one. Because every single unit you don't buy, you are missing out a lot of potential income.

Key Takeaways

12. Some people might still think Langkawi as a forgotten island. Stop being a katak bawah tempurung, and start exploring. The sky might look the same as 10 years ago but the world has changed. Langkawi is not the same as 15 years ago; and it will not be the same for the 15 years to come. Do your homework. Visit the island, talk to the local authority. Check out the latest plans. You will change your mind. Happy investing!

You Can Invest Property This Way

2018-05-23T09:44:00.001-07:00

1. Most property investors in Malaysia have a traditional concept about property investment.

2. Investing property to them means buy a house, find a tenant, and sell it later at higher price.

3. Many investors are not aware that there are many other types of property investments. In fact, the conventional buy to keep strategy may not be suitable for everyone. It is not for young investors with low holding power.

4. Today in Malaysia, the property market is going through a consolidation. Even in Kuala Lumpur, many property rental cannot cover the ongoing costs - loan interests, maintenance fee, assessment, quit rents, and contingency repair.

5. Not to mention getting tenants is getting harder today, due to increasing property supply. Tenants prefer newer property. They have many newer choices. Older property lost competitiveness to new property.

6. Some owners faces troubles selling their older property above 10 years; especially if the management office did not maintain the common area well. Be honest with yourselves, investing property is not like 10 years ago. People should give up the idea of flipping and making profit over night. At least for now and years to come.

7. Leaseback property is more suitable for current market scenario . The property is leased to a professional operator, to rent to a niche tenant in the area. For example, a hostel operator gets a special contract with college to rent the rooms to students. Hotel operator can rent your units to tourist at tourism hot spot.

8. This investment module will solve the problem mentioned in point 4 ,5 ,and 6.

9. Pick the right operator that add value to your property, so it can fetch a higher rental. A reputable operator will maintain the standard of your common area and facility to cope with their brand standard. If you have a 5-star operator, do expect your property to be 5-star under their management.

10. Property is all about location, location, location. If your property is bundled with hotel operation, pick a famous tourist destination where the tourist arrival is expected to rise. Basic supply-demand theory applies here. More tourist, better return. Pay attention to infrastructure upgrades such as road, airport, and jetty. These are pipelines to bring more tourists.

10. If your property do not generate higher cash flow, do not dream of selling it at higher price in future, even if the property has been touted as in prime development masterplan. If nobody is willing to pay a higher rent to stay there, nobody will pay a higher mortgage to stay here.

11. If you can rent the place with RM3,000/mth, who will pay mortgage of RM 4,000 a month and pay RM 1,000/mth maintenance fee to stay in the same place ? Participate in the future appreciation? If people are not willing to pay a higher rental, who would pay a higher mortgage?

12. If your property can generate higher rental in the future, you can sell it at higher price for sure. If you are willing to pay RM 600k for a RM 36k rental/year , when the rental increase to RM 48k/year, somebody will buy that at RM 800k. This is how property investment should work.

13. If your property rental increases, selling it at higher price is not a problem. If your property rental do not grow, you are trapped.

14. If you want to buy a property with rental yield and rental growth, send your message to this page.

【心】的力量。

2017-12-27T05:09:00.000-08:00

【心】的力量。

我们华人传统上说的心，和西方解剖学的心有天渊之别。

对于我们来说，心，时情志的活动。我们并不说：“我脑想”；而说：“我心想”。我们不说：“我脑里觉得不对劲”；我们说：“我心里觉得不对劲”。

在黄帝内经中，心位君主之官。所谓君主，就是至高无上的统治者。心主宰着其余的五脏六腑。

我们传统概念的心，是一种非常具体功能性的概念。我们的祖宗在解剖学不发达的年代，以宏观看宇宙，微观看人体，把人体看为一个小宇宙，注重的是功能性的关系和相互的影响，而不拘泥于解剖上的局限，的确是一门大智慧。

那么心有什么神奇的地方呢？为什么古人说要修”心“养性？

哲学家对世界观大致上分成两种观点 :
1) 唯物主义 - 长话短说，就是物质决定现实。物质是宇宙的根本。

2）唯心主义- 以心为宇宙存在的根本。以观察者的思维活动为宇宙存在的根基。

在这里我们尚且不争辩到底是物质衬托着现实呢，还是心灵精神活动创造了现实。今天不管唯物主义还是唯心主义，都比能否定一个事实——一个人掌控了自己的心，就掌控了他生命的主导权，成为自己现实的创造者。即使一个人的心不能把物质的本质改变，但是通过操控心对世界万象的诠释，能为观察者带来比一样的定义，进而引向不同的决定和行动，以至于影响观察者一生的命运。

打个比方，一个人心里面已经认定自己一生应当平凡的过日子，那么他一生的日子也肯定少有波折。一个人心里面认为自己是当世界首富的料，他一生大起大落，也是必然的。因为心在哪里，专注力就在那里。前者下班后，会专注着回家的路，和他面子书上最新的动态。后者下班后可能专注着寻找能够赚钱的机会。两个人去同一个油站加油，加同一个价格的油，前者心里面可能是“油又涨价了，好无奈！”，后者心里则是：“是时候买一买着家油站公司的股票了！”同样的物质，同样的事件，却引导两个人走向不同的命运。

【心】这门东西，不好控制。如果人们不能控制心，那么人们只能被其所制。贪心、伤心、妒忌心、疑心、憎恨心、狭窄的心、这些心都是以无形的绳索将人紧紧地捆绑辖制着。

很多人尝试了很多方法，甚至通过苦行，希望能够寻找到自己的心。

有些人，求神拜佛，乞求能够安自己的心。

那么，心在哪里找？心要如何安？

大道至简，愈简愈难。

有没有人尝试过翻遍了整个家来寻找他的眼镜，然后越是找不到，越是急躁，先是无助，然后沮丧，然后坐了下来，想想放弃了，对着镜子一看，原来眼睛在自己的鼻梁上？很多人找心也是如此。你越找它，就越难找到它。你不找费神它的时候，它就明明地在你眼前。原来，【心】不是靠找来的，是靠体会而出现的。
生命的意义在哪里？

人们都在问生命的意义在哪里，都认为人活着，就一定要有意思。

这是人类有史以来最大的矛盾。

这是命定论。命定论是一种假设。它假设了人类以外，还有一种力量以有意识的形式来取决着每一个人未来的方向和遭遇。这种力量被如何称呼并不重要。重要的是，人们在接受这种假设的前提下，应当自觉的意识到未来既然已经有股强大的力量掌控着，并不可改变。既然无法改变，那么顺也好逆也好，就当着是体验一个超真实的电影，以一个观察者的态度去过一生。在这种情况下，问自己生命的意义在哪里，是没有意义的。因为你只是你人生的观众，导演是掌控命运的那位，那你生命的意义，也在那位手中。

那么如果跳出命定论假设的框架，那么你的命运是由此时此刻的你来决定。你在当下认为你生命的意义在哪里，那你生命的意义就在哪里。在这种情况下，问自己生命的意义在哪里，也是毫无意义的。因为你应该做的，是为自己设下一个生命的意义。因为你的命运不在别人手中，只在你手中。

那么“生命的意义在哪里”，本身就是人们思维上的一个BUG。

如果你此时觉得做人毫无意义，那么你就得为自己设下人生的意义。去尝试新的事物，你很快就会找回对生命的热诚，新的目标。对着目标坚持，那就是你生命的意义！我们活着，是因为爱和热诚！心如果冷了，那是死的心。唯有火热，才是真正的活着！

什么是老板！？说得太贴切了！

2017-06-13T08:59:00.001-07:00

什么是老板？

有人说：老板就是老是板着脸。
有人说：老板就是人前风光。
有人说：老板就是吃香喝辣，豪车洋房。
更有人说：老板就是跷二郎腿，啥都不用做。

我说，这些人都不懂得老板。

老板总是板着脸，因为他必须把整个公司担当起来。每个员工的生计，都负在他的肩膀上。每个月底领的薪水，看似理所当然，但又有多少人想到，老板们为了给忠心的员工们发薪水，每天为业绩奔波用尽心血？所以，老板老是板着脸，不是没有原因的。

老板人前风光人人看到，但是老板背后心酸又有谁知道？
老板们撑着肚子胃病发作，还得硬撑着应酬客户吃辣喝酒，把自己健康摆一边，个个变得秃头大肚腩，为的就是给跟着自己找吃的员工们混口饭吃，这个道理又有多少人看透？

有多少人知道，老板的车和房只是给自己的一点慰籍?虽然身坐好车住洋房，多少个老板有那个时间和心思去享受车和房带来的美好？房子再大，也只不过睡那张床，躺下来，想到这个月公司的业绩没有达标，能像员工们一样睡得香甜吗？

老板如果什么都不用做，那么公司老早不复存在了！老板是公司里第一个上班，最后一个下班的人。因为在老板的字典里面，是没有下班这回事的。公司的每一个大小决定都决定着公司未来的前程，员工未来的福利，投资者们的保障，老板们每一天要做的决定不是一两下子就可以说清楚的。

假设一家公司有三千名员工，那么老板背负着的就是三千个家庭的安居乐业。想看一个员工如果薪水两千块，那么每个月老板就得至少弄个6百万的业绩来发薪水。为了员工们的家庭幸福美满，老板们都不惜豁出去了。公司如果做到这种规模，老板如果任何时候把公司买了，换来的钱足够花一辈子了，如果你的老板这时候还和你们一起打拼，请珍惜他，因为他念着的是一份情，他怕万一交到不会管理的人手里，跟着他打天下的员工们就此失去安稳的收入。好了，话之说七分，剩下的让大家自己琢磨吧！

籍此向各位辛苦打拼的老板们致敬。

Potential Long Spot April 2017 FKLI - Technical review

2017-04-14T02:46:00.001-07:00

Technical view:

Potential buy from 50 day SMA , Fibonacci level 78.6% and trend line overlapping at 1728-1730 level. Even though the market gap down at opening but the support level held well for today's closing and a inverted hammer is formed, which is also a sign of potential reversal. Should the support held well, the potential profit taking point shall be 1747 and then 1762.

Should today's support broken the price may linger at next Fibonacci level 61.8% at 1705 before finding another hard support at 1690 level.

Coming news

US CPI and Retail Report announcement at Malaysian time 8.30pm . The forecast shows the indices growth are expected to maintain at previous month's rate, with CPI expected to have 0% growth. Core CPI is expected to have 0.2% growth, same as previous month, but the index has the tendency of being over estimated.

Overall, from the forecast, the US market grow is expected to take a rest at this point. If tonight's data is below the forecast level, investor may choose to diversify their investments. Malaysia could be a potential market with it's exclusion from current US military conflict, the undervalued asset and currency cum the approaching General Election.

Disclaimer: The above analysis is personal opinion and for reference only. Trade at your own risk. The author will not be liable for all loss arise from trading based on the above comments.

Technical Analysis : IWCITY short term profit taking

2017-03-14T05:28:00.000-07:00

IWCITY has limit up last friday following the RTO and the revaluation of the land in Iskandar. The counter has gained much interest since then. Is the counter worth buying at this juncture? Let's study the counter from purely TECHNICAL ASPECT.

First, the price has limit up last Friday, and yesterday, despite falling back in the later session and closed with a black candle stick. It is a clear signal of vast increase in the buying interest. The 4 long volume pillar has double confirmed the trend.

Moving averages are fanning upward, a sign of the bull trend.

RSI is at overbought area as the result of limit up. At this juncture, the RSI is still lower than previous high despite the price has moved significantly higher. if the RSI failed to form a higher high, the bearish divergence will be formed and it could signifies the change in the trend for short term.

Chart pattern wise, two upward pennants has formed, which normally indicates that the price could go down in near term. If the price failed to stay above the magenta support line @ RM 2.65, it could head towards the previous blue trend resistant @ RM 2.12 and then the trend support @ RM 1.90. Traders who aim to enter at safer entry price could pay attention to these price levels. If the price dropped below RM 1.90 level with significant volume, it could signifies that the uptrend is over and the price is heading south. So remember to cut loss.

Chart Impression: Despite higher transaction volume for yesterday and today, the price barely moved from yesterday's open market level. It shows that while buying interest is there, the buyer and seller are having a tug of war, from the profit taking activity. To summarize, the chart shows a main upward momentum with profit taking activity in near term. Contra player do trade with care.

Disclaimer: The above analysis is personal opinion and for reference only. Trade at your own risk. The author will not be liable for all loss arise from trading based on the above comments.

Technical Analysis 14 Mar 2017 : Magni

2017-03-13T22:26:00.002-07:00

Judging from the chart, despite magni is on an uptrend, the volume has been on the down trend, showing a decreasing interest since January 2017.

RSI is kept at above 50, showing a general buying interest. However, there is a downward divergence showing a possible reversal of the uptrend since January 2017.

The support for the lower trend line is at RM4.95. Once this level is broken with significant volume, it could signify a change in trend, and support RM 4.61 and RM 4.36 level.

Do take note that the quarterly result is expected to be announced soon. If the result is good, it could be a catalyst to push the price further up to the next resistant at RM 5.45.

Disclaimer: The above analysis is personal opinion and for reference only. Trade at your own risk. The author will not be liable for all loss arise from trading based on the above comments.

No More Procrastination in 2017!

2016-12-31T08:35:00.000-08:00

Think, for a second. How much difference would you make in a year's time if you just make yourselves 1% better in a day?

Everyday, upon waking up, allocate time to learn new things, tell yourselves, that you will improve yourselves by just 1%. It could be improving your vocabulary, meeting new people, learning new skill set, reading a good book, working out your body. All you need to do in that day is just achieve 1% better than you were yesterday.

By simple calculation, you will have 365% improvement by the end of the year. That would means that you are 3.65 times better than you were by end of the year! what about if you insisted that 1% improvement on a single thing? It would follow a totally different equation then, as the effect would be COMPOUNDING.

1.01^365= 37.78 times.

if you could just run 1km by day one, Just by running 10 meter extra everyday, you will be able to run 37.78km by the end of the year!

Now, what would happen if you tell yourselves, " com'on, it's still early, i can always start next month, or two months later. By procrastinating for 60 days, you would think that you would be able to cover at least 30km? Nope, you are wrong. Look at the equation below.

1.01^305= 20.79 times

The consequence is , you would be able to cover almost half less by procrastinating for two months in a year. Now we are just taking running as an example. Now imagine in all other things that you do, what would be the difference when you tell yourselves "I would do it when I am free", "I am too busy for this", or "just tomorrow/next week/next month". How much progress you would miss?

Another example. Your friend has shown you a good business opportunity/investment with good track record of, let's say ROI of 10% a month. If you start right away with capital of 100,000 dollar, after 5 years, your net worth would be:

100,000 x 1.1^60 = 30.448 million

Imagine the scenario if you hesitated even after verified that all the details in the business proposal, and come back a year later. by the time of maturity, your worth will be

100,000 x 1.1^48= 9.7 million

Your difference for one year procrastination will be 30.448 million - 9.7 million = 20.748 million.

Look at the difference. even though this is just an example to illustrate the effect of procrastination, It may happen to your lives in many other aspects. Do not underestimate the damage of procrastination. You must know that, tomorrow vs disaster, which one will come to us first. Take every day as a blessing. Appreciate every second that we are given and make the best use of it. Do not take for granted and procrastinate when you ought to do something.

Wishing you a Happy and Effective New Year!

The Power of WORD

2016-12-18T06:19:00.000-08:00

"In the beginning was the Word, and the Word was with God, and the Word was God. The same was in the beginning with God.All things were made by him; and without him was not any thing made that was made. In him was life; and the life was the light of men. And the light shineth in darkness; and the darkness comprehended it not." ~ John 1:1-5, KJV

The above is a quote from the bible, Gospel according to John. John mentioned about the word, GOD, creation, and mankind.

In many Abrahamic religions, GOD is the creator. In the above scripture, if we substitute GOD with "creator" & "creation", it will sound like this:

"In the beginning was the Word, and the Word was with Creator, and the Word was Creator. The same was in the beginning with Creation.All things were made by him; and without him was not any thing made that was made."

In modern language, word, is a message, spoken or written. Each word carries a message. For example, when I say stop thinking of a purple apple, your mind already created the image of an apple in purple color, no matter you want it or not. That is the power of word, the power of creation. Every single word carries a message, and the massage creates an image/idea/concept in our mind, and thus creates the reality.

Our brain never process thoughts in words. We process thoughts by senses. For instance,

"Taking a sip of hot chocolate out of a yellow mug" will reminds you of the image of a yellow mug, the sweet and bitter taste of Chocolate, and also the feeling of the heat from chocolate touching your lips and radiating to your face, and the fragrance of cocoa.

Reality starts from IMAGINATION and VISUALIZATION.

Wright Brother imagined human flying on the sky like birds, that's how we have planes today.

Albert Einstein visualized himself travelling at the speed of light, and he discovered the General Relativity Theory.

" Imagination is everything. It is the preview of life's coming attractions. " - Albert Einstein

You may be thinking, in that case, then imagination and visualization is the more powerful than word in this case, isn't it? Why are you saying WORD is powerful?

Well, in this case, WORD and IMAGINATION are not a comparison, rather they are complementary. The result of imagination is IMAGE. We convey image through WORDS. Word is the medium of message conveyance, at the same time being a trigger of imagination. Word is the spark of flame, which the power to imagine being the fuel.

Therefore, watch the WORDS that come out from our mouth. Every word we say is a drop of water creating a ripple in the universe, first we suggested to ourselves of what we said, and then we suggested to the people around.

For example, when you say "I'm fat", you are convincing yourselves unconsciously that fat is what you are, and what you should be. Then it reaffirms yourselves that whenever you come across little decisions in your lives unconsciously, such as whether to eat that cookies or not, whether you should take the fitness course, should you skip that beer.

Change the word, to "I am getting fitter day by day", then you will unconsciously remind yourselves about your new identity When you come across that cookies, that fitness course, that beer, likely that you will make a different decision based on how you label yourselves.

Be mindful of our thoughts, because that's what creates the reality. Think of the things that we want in our lives, and less of the things we dislike.

Be thankful of what we have at the present moment, so it helps to attract the better things into our lives. Be grumpy of the shortcomings, then more undesired encounter will come to you. Always guard our thoughts, over anything on earth. Be alert and be mindful of what we suggest to ourselves, and the people around us. If we can master our thoughts and our words, then we will be wielding a powerful sword by it's grip; otherwise, we would be holding the blade against ourselves. Be wise!

Proactive - A Life Changer

2016-10-04T09:12:00.000-07:00

Today I'm gonna talk about a secret. A secret that lies within every single one of you who are reading this article.

Can you recall how you wake up from your bed today? Did you wake up and have the immediate idea of what you are going to do next and how you plan to complete your day? Or did you wake up and allowed your feeling to tell you that you should tug yourselves into the bed for another 10 minutes?

If you wake up with a plan, then congratulations! You are probably a proactive person. How you started your day will be very likely to decide how you are going to finish the rest of your day.

To be proactive means you are in charge of your own life. You make decisions for yourselves, and you take 100% responsibility for the decision. Reactive person is taking a passive stance. They wait for things to happen and response to it with limited choice. Reactive person dislike taking responsibility and they tend to put the blame on others. While reactive people see choices, proactive people create alternatives.

What differentiate proactive people from the rest is the self-awareness they possesses. Proactive people are aware of their feelings and aware of their identity, aware of their stances and positions in all circumstances. Proactive people have principle they hold on to. They have a standard in their heart, what is to be done and what is to be avoided at all costs.

On the contrary, reactive people do not have a target, neither they have a grounded values or principle as an anchor in their lives. They float , they sway from one point to another. They have no picture of who they are, and what they want. They face their lives with limited choices. They act based on how they feel, and their feeling is pretty much depends on how they are treated.

Proactive people are inside-out. They act, present and carry themselves based on their thoughts from within. They are confident but not arrogant. Reactive people are outside-in. What they do depends on how they are treated. For example, when criticized, proactive people will reflect and make correction if necessary or otherwise explain why the critic is untrue, while the reactive people will either label themselves with the criticism and do nothing to improve it, or react violently by raising their voices and shredding tears.

Now, comes to an important point that we all must realize. We are independent. Whether you show more characteristics on the proactive or on the reactive side, everyone of you can choose mindfully to be a proactive person. The first step is to remove the negative from yourselves. Get to know yourselves well so the next time when someone is trying to put a label on you, you have to know who you are. People can hurl all things at you, but you have the definite power to choose your response. They next time someone tries to shout at you, or putting insulting labels on you, instead of feeling sad or angry, remember you have other alternatives. You can choose to be unaffected. Remember: "No one can hurt you unless you consent the person to do so. "

The next time you are in a difficult situation, do not despair. Remember that the key to change the situation is in your hand. You are the center of your world, and the change of your world starts from you. You cannot change how the world is treating you, but you can change how you treat the world. Take immense action, be proactive. Do not wait for things to happen. Instead, make things happen!

Imagining Universe and Black Hole

2016-08-04T07:27:00.001-07:00

Ever imagined what if we assume the universe is to water, and the black hole is to bubble? What is beyond the universe, is as if a fish asking what is beyond the water? What if the space we know has a mass that is relatively insignificant to us, and beyond space there is another mass with lower density that we cannot reach? When water is heated with enough energy, it evaporated in the water itself and bubble is formed. The supernova could have done the same to space we know, creating so much energy that "boiled" a space bubble?
In this case, the vacumm space that we know may not be perfect void, it is just filled with matter of even lower density undetectable with any instrument. Then, the dimension theory has become philosophical. Is dimension no longer refers to the space, it becomes the degree that human beings is able to detect and react with the surrounding as an observer. The point at where no event can be observed by human being is considered void. then how many dimension is out there? The hypothesis is infinite. But this is an un-testable hypothesis. Nonetheless, the testing is not necessary as it would be meaningless to explore the dimension we can't exist in, can't observe and can't act upon.

Spiritual - Time Travelling and The Secret of Life

2016-06-15T11:46:00.002-07:00

By: Noel H'ng

What is Life

Have you ever asked yourselves that good question?

What is the meaning of life? What defines life and death?

To some people, living means you are still breathing and your heart is still beating.

To some people, if your brain is still thinking, you are alive.

Some believed that you have never lived if you have not tried the best things in life. This includes owning and using the best things in the world, cars, properties, watches, art pieces.

Some also thinks that living means go around the world, travelling to most places in the world. If you have not been to corners of the world, you have not been to this world.

Another group would say that if no one remembers you after you die, you have never lived. You need fame, admiration, and remembrance.

Also, a fraction of people believe that living means making an impact to the world. leave a legacy to the world and the future generation. A revolution in anything will do, let it be technologies, belief, new drug formula, or philosophy.

All above are right, but something is missing. What is it?

Well, what is living?

First of all, we need to empty ourselves, and let go of all the existing paradigm and difference in cultural and religion belief. Let's explore into the root of life with an open mind.

First, start with our consciousness. This is what make us feel alive. The awareness. Some people call that our spirit, some say it is our soul, the mind, or brain activities.

We have 5 senses. everyone knows that. Lights comes through our eyes and the receptor cells convert the stimuli into brain and the information is interpreted. Sound travels through the ear and the signal is also transferred and interpreted. The sense of touch, pressure, cold, hot, pain etc, eventually traveled to the brain and interpreted. Chemicals stimulate the cells in the nostrils and in our tongues and the brain tells us smells and tastes.

Have you come across an instance that an item is in front of you, but you did not see it? When you have friend calling your name loud, but you just did not noticed? Your skin bleeding but you have not felt the pain until you noticed the would? Our brain is very interesting. The light, vibration, and pain signals are sent to our brain, but how could we not noticed them? This is where the consciousness come into place, how much awareness we have decides how much we are connected to this world.

There is a different between seeing and watching, hearing and listening, eating and tasting. The former is without consciousness, whereas the later do.

At this point of time, some people may have already gotten the idea. Whether we are alive or not, is decided by how much consciousness we have. How aware we are, or simply saying, how mindful we are.

The logical statement:
1. People connect to the world through senses.
2. Conscious awareness is the determinant of how much we are connected. Signal x awareness = connection. No matter how bright a light is, if awareness = 0, the person did not see it at all.
3. How much people connect to the world is determined by how mindful we are.

Why people do not appreciate free things? Why people are dying for one thing at one time, and bored of it after owning it for some time? Why is there a diminishing marginal utility in human behavior? The answer is direct: the conscious awareness in a thing is reducing, or there is no more conscious awareness in the thing.

Why some people owns many luxury cars in the world, stay at the most luxury mansion in the world, have many beautiful wives and kids with them, rich collections of arts and living the life of a king, and still feel emptiness in their heart, just like how King Solomon has described his life as a King to vanity? (Books of Ecclesiastes, Bible) He did not felt content and happiness even though he had the best things in the world with him. What Taoists called "Shen" (神), Buddhist called "Zen" (禪) are not mystical things. There is a reason Jesus said "Blessed are the poor in spirit, for theirs is the kingdom in heaven; and blessed are the pure in heart, for they will see god. (Matthew 5; 3 & 8).

Too much material will divert your attention and therefore your awareness and consciousness. Imagine you have 20 beautiful exotic cars. You only have 2 eyes, 2 arms, 2 ears, but one consciousness. Our brain can only focus on one thing at a time. How are you going to appreciate (build connection) with all 20 of them at the same time? Your "Shen", "Zen", awareness, or whatever you want to call it, will be diverted. When your awareness is diverted, your connection with the world turns lose, and weak. Having said that, the more you have, the weaker your connection is to the world, and you will reach a state that emptiness kick in. You have all the best things, but there is no happiness from them.

Wondered why some kids are so happy? These are kids who don't really own many things. They play with their toy, and spent plenty of time "connecting" with their toys, appreciating them. Why people would never appreciate free things?

Why the most expensive things in the world are the things you cannot get? Why Buddha said that greed is what make people suffer? This is because when we grow greedy, we put all our attention and awareness on imaginations that do not physically exist, something that we labelled as "future". When that happens, we have limited awareness available for "now", or the physical world that we are in. More scientifically, it refers to the stimulus that is coming through all our sensory organs at the very present moment. When we want a thing so badly, we are living in our imagination and disconnected from the real world. these are two different world, the "now" world is realistic, whereas the "imagination" world is abstract and non-existent.

The phrase "walking dead" describes people with heartbeats and walking around doing things, but with little to no awareness to their surroundings, the changes, the happening around them. These are people who are declared dead when their body is still living. This is what people said, "until the day I die, then only I realized I have never lived". These are the people who live in the future.

Time do not exist

Come to think of it, does future really exist? What is past, and what is time? Scientists and physicians has always tried to find a formula for time and prove its existence. I may not be a scientist, but what if I tell every one of you that Time do not exist, and it is just a mere illusion of our mind, our consciousness? To scientist who are trying to build a time machine, the biggest challenge to them is not to overcome the speed of light, it is to overcome the time paradigm in their mind that time do not exist.

The moment when we start to ask "what is time?", we have already made a mistake. We have assumed that it is something that exist, and having effect to the universe. We are thinking it as a variable, or a cause. In fact, time is a product of consciousness, a product of human mind - the effect.

Past; is memory, present, is sensing; and future, is imagination.

Things progress in the universe, and things happen relatively. For example, the earth revolved around the sun and goes back to the same position relative to the sun after making 365..25 rotations. For light to travel 299 792 458 meters, the earth would have made a 1/86,400 rotation, or 0.00898 degree turn. Things progress, and time is a result of measuring the progression of things happening relating to each other. In ancient times, people communicate time through the position of the sun. This is to form collaboration and synergy to prepare and overcome the basic living challenges such as when to hunt, when the season changes, etc.

Things progress, but the concept of time is just an illusion from how things progress, and time travelling cannot be truly achieved, even though human are able to travel faster than speed of light. Light travels in all directions. The same waves of light that hits you, your skin, your desk, and your room wall, has been reflected countless of times inside your room and probably the same strand of light has hit all things you know in your room before your conscious mind even can react. Now, let's say if you have a machine to travel at the speed of light, which direction are you supposed to travel in to observe the you 1 second ago?

Albert Einstein's law of general relativity is based on the observer's perspective, that light has traveled 299 792 458 meter in one second, and if you can travel at that speed , you will "freeze the time", by observing the "same strand of light" before things progress to another stage.

However, what will happen when time freeze? is it really that we are the only thing that moving around and everything else stop? No, when there is no time(progression), means there is no event at all, no light coming to our eye balls, no waves of sound travelling, nothing, nothing at all, and we goes into void. You will not have any conscious, your body do not exist, nothing exist in the time freeze. So, there is no such thing as freezing the time, because simple it cannot be observed, and by logic, then progression stop, it means no event, nothing happen in the universe , and nothing exist as there is no observer.

And time travelling is impossible for the fact that everything is relative. let's see you are between point A and point B, and you are travelling light speed from B to A. Everything is relative, remember? so you are relatively 0m/s faster than the light from point B, and if you turn your head around, your are observing the light from point A at doubled speed. So, the paradox is here: are you supposed to freeze in time or your are supposed to travel into the future?

Everything is connected

It seemed sidetracked a too much, but if you can see the relationship in all these, it is actually attached. I-Ching recorded that the world is created from singularity, before the modern scientist even realized it. It's said that from none there is singular extreme, and forms the two phenomena. (無極生太極，太極生兩儀，兩儀生四象.....)

To visualize, when there is no event, it is called eternity. there is no time, as there is no progression/ event. From there, there is singular extreme, for example, something called light existed. Since there is light, there is bright and dark. In this case, light is the singular, and the bright and dark are two phenomena, from which one is the present of light and another is the absent of it. It existed from observer's point of view.

Everything around us, is closely connected, there is not a singular thing that is independent. This is how the famous butterfly effect becomes valid. In Abrahamic religions (Judaisms, Christianity, Catholics, Islamics), it is also said that god is the creator of the world and there is only one god. God, is that singularity, or what you may call it, the source, Everything is created by Him and in Him, everything is connected back to him. Hinduism called this Karma, and Buddhism called this Cause and Effect. The singularity is the cause, the world we observe now is the effect.

Golden Rules

Since time do not exist, and the only thing that truly exist is the present moment. The sense of existence come from the stimulus from the sensory organs, multiplied by the conscious awareness. So, in order to truly live, we need to have all our consciousness on the very present moment. That means listen to the sounds around you, look at the things that comes into your eyes, feel the things that your skins are in contact with, taste whatever come in contact with your tongue, and detect whatever smell comes in to your nose.

"Do not have idol", as taught in the bible, is equivalent to what it's said not to be greed. when you focus on a single thing - maybe focusing all your awareness on single thing you see to the extend that you cant hear, cant smell, cant feel your skin; or thinking of a single thing in your imagination all day and night to the extend that you are totally disconnect to the stimulus at the present moment, you are as good as dead. You live where your consciousness is.

Modern Slavery, or is it modern? Wake Up People!!!

2016-06-13T10:32:00.002-07:00

By: Noel H'ng

Feel tired of repeating the same routine everyday?

Wake up, breakfast, go to the office with the same old traffic jam, repeating the same task you did yesterday and days before, rushing to finish your lunch, then the tedious job again, and then is the same road home with same traffic jam every day. By the time you got home, you have found yourselves totally exhausted and yet you have lots of chores to be finished.

But life does not seems to have mercy on you.You cannot stop. You need to carry on this life. You seems to have no choice.

When you were little, you were told to study hard and have dreams. When you grow up you realized that was just a white lie by the adults. People literally work like cattle.

This, is modern slavery.

Look what capitalism society has done to us.

Human are born with souls, but today, we live like machines, walking corpses.

We used to think independently, and have opinions. Now, we are trained to be submissive, and follow systems. The society tells us that there must be a standard answer to everything, and there is a standard practice and solution to any question. Our mind are so much pinned to equations. If you are A, then you are B. If you owns a Bentley, then you are successful. If your size is bigger than other, then you are not beautiful. If you do not get straight A's, you are destined to fail. There are much more examples like this in our society, in our daily lives.

People are taught to judge with equations since we are small. We have so much "logic equations" in our brain, as if the more we have, the smarter we are. (here goes another equation)

Hey, ain't we a living person with soul? Our world, our mother nature is kind enough to have variety. We have so many different genres and species of animals. We have different kinds of weather. Our eyes are designed to differentiate 10 million different colours, and our ears 20khz of sound. Who to decide which colour is superior to another, and which sound is sweeter than another? Is there a definite answer to this?

People are just afraid to be different nowadays.

When we have a different opinion, how many times we have kept it to ourselves just because we are afraid to be laughed at for being different? The world is driven by creativity and imagination. We have 9 times more humans on earth than we were 200 years ago, yet we do not have 9 times more great artist,scientist and philosopher today. The great men in the history are those who do not seems to like to follow the heard. These are people with souls. They are the minorities.

Are you going to attend school, work, retire, and die just like everyone else. are you going to declare your soul dead the moment you enter into the school?

You need to make a conscious decision. You have to ask yourselves, who you are and where you belong. Big cities are not better than small town. Young people, rushing to big cities to find their dreams ended up spending their lives to build other's dream. Beware of the temptations and lies of big cities. By moving to the big cities, you though you were making more, but you did not realize you are spending even more. You do not live the same quality of life you live in your little town in big cities.

This is nothing new. Nothing is new under the bright sun.

In the old days, Chinese ancestors came long way from China and believed that opportunities and gold was everywhere in Malaya Peninsular ended up became labors, miners, and slaves to the capitalist here. What they earned was hardly enough to treat their rumbling stomach and buy some decent clothes to cover themselves when night turn cold. They were not entitle to any welfare. They had a burning fire in their hearts, as they were taught as a kid, that working hard was a good value to upkeep, and there would be one day they could live a good life. They had hopes in their eyes when they were newly here, and the hope slowly turned acceptance, and despair as they grew old and realized nothing had changed. What have changed before and after they came, was that the capitalist had grown richer than before.

Then you may ask, what about the famous rich and successful in those times? There are a number of them who were quite successful..

Well, there were some who were successful, but there were even more who died below average. Why is it so? They were taught to be accept the status quo and be submissive. They had chosen the common mode of living over the others. They believed that whatever written in the books and taught by their elders were surely right. What they had not realized was that their elders had not been more successful than them in lives. And for those who has succeed in lives, what makes you think that all of them sincerely shared their secret of success with you? They know so badly in their heart that the average men who are "aspired" to live a common lives are their assets. These are the people who they can exploit for more profits. They give advises and false hope to people by publishing books on how they become successful, "inspiring" people to follow "their steps".

In a way, the capitalist are encouraging the average people to work harder and spend more, so that their capital can grow. They pay you thriftily so that you can spend and maintain the economy. At one point when you run out of money to spend, they encourage you to borrow future money. Then the market is lack of cash, the federal banks print more money, and you thought it is for you. The fact is the money eventually end up in the capitalist. The cycles goes on. Inflation is on the side of capitalist who own business and assets that grow with inflation. Poor wage earners, the make you false dream and eventually you enjoyed a sedative death in their sweet lies.

Now, wake up, and start to doubt. Be courageous to question the status quo, and beautiful lies about the world capitalist tries to portray to you. If you have observed the nature, life has never been beautiful. It is a world where the strong and mighty hunts on the tiny and vulnerable. Know what you want in life. If you want to enjoy life with dignity and with a living soul, know what to avoid - places that will lure you to spend more than you can afford and enslave you to work like a machine for the next 40 years until you die. Spend only on things that you need to stay alive and support your passion. If you want to conquer the world, and be like one of the capitalist, you need to really think out of the box. Think differently rather and blindly accept what the society has given to you. Do not be afraid to challenge the status quo, do not conform. do not resign to what has been provided!

Investing 101: Fundamental Vs Technical Analysis

2016-06-05T09:21:00.001-07:00

Fundamental Vs Technical Analysis

There are two major analysis method to assess stocks and predict the future price movement. Fundamental analysis look into the economic factor of a stock, whereas technical analysis studies the history market activity statistics of a stock through charting and uses the data obtained to predict the future movement of the underlying stock price.

Two Different Assumptions

In technical analysis, it is assumed that the market is efficient, that the price of a stock at any point of time has already factored in everything that could affect the price of a stock, including the fundamental factors and the market psychological factors. However, in fundamental analysis, it is believed that the price may be differ from the intrinsic value of an underlying stock due to human emotions and error, therefore the market is not efficient. When a stock price is below the intrinsic value, it is called an undervalued stock, and the reverse is called an overvalued stock.

Technical analysis assumed that the price move in trends. Once a certain price movement pattern has been formed, the chart is expected to follow the trend rather than against it. In fundamental analysis, the price is believed to be affected by the change in the economic, financial and market factors and therefore the future price movement cannot be predicted by studying the historical price.

Technical analyst assumed that history tends to repeats itself and price patterns will repeat the same way to the same market stimuli. The market is thought to be a simple if A, then B equation. On the other hand, the fundamental analyst do believe in another philosophy that past performances does not guarantee future results. A stock that peaked at $104 per share two years ago does not mean that it will go back to $104 few years later.

The Research Materials

The technical analysis looks at the price and volume movements of a stock, and analyze the changes of two data. Data can be presented in the form of charts and graphs. indicators derived from the price and volumes of the stock is also analyzed to predict the price movement. For fundamental analysis, investors has to dip into the financial statements of a company to understand the quality of the business. On top of that, investors also need to understand the macro economics of the business and the nature of the business. Related market info such as the market price of the goods sold are also taken into account. For example, if it is a oil and gas company, the price movement of the crude oil is expected to affect the revenue of the company, and therefore the price movement of a company

The Time Frame

Technical analysis can analyse and "predict" the price movement for as short as minutes, up to as long as years (though it is rarely relevant). On the other hand fundamental analysis often applies to longer term investments. This is also coherent to the fact that the fundamental analysis takes time to perform, and the the fundamentals represent the actual nature of a business. Imagine a company's revenue will not increase right away after, for example, the setting up of a new plant. Even the commodity price surge due to a supply shortage report, it does not guarantee that the earning for the next quarter will increase to the same degree for the commodity company. Generally, technical analysis is used for short term trading whereas the fundamental analysis is applied to long term investment.

How to get the best of both world?

This depends on your investing goals and your financial + psychological strength. Traders buy a stock and hope to sell it to another buyer at a higher price soon. Investor picks the undervalued stocks and hold it until the real intrinsic value has been realized.

If your investment objective is to make fast money and you are willing to take a higher risk, you can use the technical analysis for fast trade, and be ready to perform cut lost when the price is not moving the direction you predicted. Trading is a game of probability. You must be ready to accept losing trades.

If you aim to achieve a long term, sustainable wealth growth, you are advised to study and understand the fundamental of the business. This is because by investing in a company, you must aware that you are in a partnership with the rest of the shareholders of the company. You own the business and therefore you must know what you own. Find a good company by using your knowledge, and buy it at the right price. You can incorporate the technical data into your buying decision, such as whenever the price drop too much and reached oversold position.

More tips to choose the right counter to invest and the right time to enter the market will be shared in a more advanced articles. Please subscribe to us and follow us on Facebook to stay tuned!

Why You Should Never Stop Learning

2016-05-31T11:00:00.001-07:00

Knowledge makes a humble person. The more a person knows, the more humble he is.

The more we learn, the better we understand the world. The better we understand the world, we will realize we actually know nothing about the world.

Fool thinks that he knows everything, the wise understand that he knows nothing.

Intelligent people speak, while wise people listen.

It is important that we must be humble and be ready to learn. Whenever we want to speak, give ourselves a good 3 seconds to observe what the other people have to say. Always let people finish their sentence before posting objection.

Steven Covey, the author of Seven Habits of Highly Effective People says that in order to be an effective person, we must seek to understand first, then to be understood.

Look at the cup below:

How much more can you pour into the glass?

We must always empty ourselves everyday we wake up, no matter how much we learn the day before. We digest the knowledge and when we open our eyes the next day, we are hunger for new knowledge and keen to know and learn new things.

Imagine that you have a very precious experience that you want to share with a person, and he keeps on thinking that he has known it all. Whatever you tell him, he keeps on giving you objections before you even get to finish. He heard you but he never listened.

Imagine a millionaire has packed 3 gold bar in a box for his good friend who is poor as his birthday present. Unfortunately the friend told him that his house is already full and there is no more room to keep gifts. Without even opening the gift, he returned it to the millionaire friend. Would he enjoy the wealth his best friend has decided to share with him?

No matter how precious is the advise experienced veteran has to share with us, if we cannot humble ourselves, we gain nothing at the end of the day.

Knowledge is what transform the humanity and civilization. Knowledge is what changes a nation from third world country to a first world country,

The know-how of the manufacturing in the 1700s has brought transformations to the western countries including America and Europe. The economic underwent a huge boom and suddenly the western countries overtook China as the leading influential nations in the world.

Through the efforts of the early government post independents' effort to ensure every single Malaysian receive appropriate education, the newer generations now have better life than the baby boomers.

What do we attend the school for? Are we there to get a good grades and graduate with a good grade so that we can get a good, stable job until we retire?

Well that may be a remedy for some young people but definitely not me. I attend school and course to learn knowledge. I understand that knowledge has magical power to transform a person's life. When you are attending school, given homework, assignment or project at work, appreciate that opportunity to learn, opportunity to trial and error, opportunity to make mistake. Because that is how we learn.

It is impossible that we learn all the knowledge in the world. Not even genious like Albert Einstein can do that. But the more we know, the less we do not know.

This is an encouragement to all people, young and old, no matter what stage you are in your life, never stop learning!

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Investment 101: How People Make Money Through Share Market

2016-05-30T10:13:00.000-07:00

Basically, people make money through share market investment through two ways - direct earning and indirect earning. Direct earning is through the dividend payout , whereas the indirect earning is through the appreciation of the share itself.

Example
If Tom buys 10,000 units of common share of ABC company at $1 each in January 2015, and after one year the company has announced a better profit, the price shoot up to $2 per share, then now Tom has total worth of $20,000 of shares. Compared to the money Tom spent to purchase the share ($10,000), he is said to have made a $10,000 profit out of his investment.

Under the same scenario, the ABC company has total announced dividend payout of $0.20 per share in the financial year 2015, Tom would have received a payout of $2,000 in that year. By adding up, Tom has made total $12,000 in year 2015. If Tom sold the share in Jan 2016 at $2 per share, it is said that Tom has realized the profit of 120% for the year. If Tom has not sold the share, it is said that Tom has made a paper gain of 100% and a dividend yield of 20%.

Indirect Earning
Why is the capital appreciation is said to be indirect earning? This is because the price of the share is unregulated and close ended in nature. This means that the prices works on free market mechanism. Market supply and demand of the share itself will drive the movement of the share.

Closed ended asset means that the number of share available in the market will be of a fixed amount. For example, if ABC company has issued 1 million units of share during it's IPO (Initial Public Offering) , the will be only 1 million shares of ABC company available in the market at any point of time, until the company make a subsequent public offering or any issues of shares.

Imagine ABC company has just announced that their earning has increased by 30% compared to the same period last year. The investors noticed that the company is making good money. Assuming all other economical factor pertaining to the industry remains the same, there will be more people interested in becoming the owner of the company to participate with the growth of the company. The existing owner of the shares would not want to sell them at old price, and some of them would like to keep them for long term, at the same time the interested investor will increase, with people willing pay a higher price than before to buy the share. Therefore, there will be less seller and the selling price offered in the market will increase. Even though the company's net worth has increased, the investor actually make the money through the difference in the total price he bought and sold the share, which could be different from the gain in company value appreciation. In this case, the investor make money from other investor and not from the company's account itself.

The market participant are humans. Being human, we have emotions and sentiments. We have greed and fear. These are two main factors driving the prices of shares. The earning of capital appreciation is said to be indirect is because some times, for many factors,the movement of the share price is not reflected immediately after the company make money. Market is not rational most of the time.

Efficient market theory suggested that market is efficient, and the price of a particular share is at its fair value at any point of time. Well, if we all take in the fact that human sentiment is a factor, then yes it is true that at any point of time, the price of the share is effectively determined by (intrinsic value of share + market sentiment effect). (how people make money through this will be explained in separate article, this article is meant to be basic for newbie ;-) )

Direct Earning
Dividend is considered a direct earning because there is no supply demand mechanism involved in the process of determining the amount the investor earn. Whether the company share has good demand or not, the amount of dividend received by the share holder is as per the amount announced by the company. It is a fixed earning, directly paid out by the company to the share holder and not by buying and selling of the ownership. Please note that the dividend announced per share is fixed, the dividend yield is a totally different thing depends on the price the investor bought the share.

Taking the above example, Tom is said to have make 20% dividend yield. However, if Tom bought the shares at the price of $2 per share instead of $1, the dividend yield would be recalculated as follows:

Dividend Payout ÷ Cost of Shares x 100% :
= $0.20 ÷ $2 x 100%
= 10%

Therefore, the higher the price you paid for the shares, the lower your yield will be. However, you are still being paid $2,000 as long as you own 10,000 units of shares, regardless of the price you paid for the share.

Currently we are sharing articles for new investors. We will progressively share articles for intermediate and advanced investor in the future. Please stay tuned. If you have friends who is just started to learn how to invest, please help them by asking them to:-

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8 Things You Need to Know When You Hit 21

2016-05-28T10:41:00.003-07:00

Once we hit 21,

1. We need to learn to take up responsibility. As a kid we didn't bother mess up things. We always have our adult behind our back. Now, you are an adult. You should learn to solve your own problem before seeking your parent's help. You need to understand as you are growing up, your parents are growing old. That means, you need to start to plan your own expenses. You need to start making you own money, and stop asking money from your parents. If you are still studying, you can take up part time job. Our parents may be our support, but not excuse for not trying and be in charge of our own life.

2. You should not spend beyond your means. If you have 1000 bucks, spend less than that. Many youngster today are left broke before the next payday. Worst is that they do not even work and spend lavishly. You should learn to manage the balance between you earning and your spending, especially when you are not born with a silver spoon. Even if your family is well to do, you still need to learn to manage the wealth pass down to you one day, or the wealth will perish.

3. Treasure the friends you made when you are in school. You spent 6-7 hours of your lift grow up with them. After you graduate, you may be busy with your further study and career, but do not give up contacting them.

4. It's time for us to be humble. This is the time you learn about society. The school is a tutorial, the game of life just started the moment you leave school. The real world is like the ocean, and you were swimming in a pond when you were in school. Having a higher education does not mean you are better than others. There are still many life lessons to be learnt through life experiences. Be humble and take advise whenever you have adult who is willing to share their precious life experience with you.

5. Do not take social media too seriously. Live in the real world and not trapping yourselves in the virtual world. It does not matter how many "friends" you have in your Facebook account. What you need is real friend who you engage with personally. Adding your friend in your social media account is not an excuse not to asking him/her out and speak to him/her. Social media is a platform where most people share the best part of their lives. When you see people posting pictures of their cool rides nice watches, beautiful holiday and hi-tea, do not forget there are another side of their lives they did not show you - the argument with their superiors, their ugly breakups, their credit card accounts, the sleepless nights they gone through to earn these, Don't use social media to compare lives. When you take it too seriously, you will live with bitterness. If you want to have a good life, work hard and earn it.

6. Call instead of SMS/Whatsapp. Compare how much message you can convey through calling vs when you send messages. No matter how fast you can type, you can't be faster than when you are speaking. On top of that, when you engage in verbal conversation, you are conveying emotions in your tone that texts lacks. How many people are actually laughing when you send "LOL" and actually rolling on the floor when you send "ROFL"?

7. Your social media account is not your diary. You do not need to post everything you do and everywhere you go on your Facebook. You are making yourselves exposed and vulnerable. If you really want to write a diary, keep it to yourselves. If you have something memorable, you can always document it on Facebook, but pay attention to your privacy setting. Beware of who you add on your social media. Stalkers and conman are everywhere nowadays. If you have something exciting to share or if you are having a bad day, speak to a real person. Do not take the "like" button to seriously. Do not be upset when people do not like your status or photo. It is not that you have 1000 people liking you even you have 1000 like clicks. after all, it is just a click on the mouse, real friends will spend time and effort to talk to you instead.

8. It is time for you to start to plan for your future. Set a target for your life, and plan your way to achieve it. The target has to be measurable, attainable and with a time frame. Dream for a goal and then stop day dreaming. Start to execute your plan and progress towards your goal. "If you have no dream, your are no different from a salted fish"~ Stephen Chow, actor.

When You Start To Doubt Yourself..

2016-05-27T11:01:00.001-07:00

"Am I doing the right thing?"

"Things do not seems like it is working! Am I on the right track?"

"Why is it harder than I thought? Maybe I should just give up instead?"

As an entrepreneur, sometimes (well... actually many times) everything seems like it is out of plan. We may mess up things and situation may become out of control. The adrenaline rush and cold in the feet, is telling us that something is wrong. The business is growing slower than we planned, and we are running out of cash faster than we think.

Being an entrepreneur is exciting and fulfilling, but there are more time we are exhausted and lost. What keep us pushing on is our FAITH - believing in what we started. When we start to doubt ourselves, things may fall even further. It may be hard to stay cool when you are running out of cash and your marketing plan is not working, but doubting yourselves and wake up terrified every morning is not going to help the business either. To reverse the condition, we would have to keep trying, and take multiple approaches to tackle the problem.

Discuss your difficulties with someone experienced, see their advice. Sometimes we are out of idea and there is no point cracking our head further. Visit our peers and competitors who are successful, we may notice the reason behind your stagnation. However, wewill have to be observant to notice the little secret that they succeeded.

When you are in doubt and in fear, ask yourselves, "what was the reason I started all this?" Remind yourselves of the reason and motive that bring you where you are today. When there is a will, there is a way. If a once debt ridden company like Air Asia could be a leading budget aviation company in the country, what else is impossible?

Success is 99% failure. We have to find 99 ways things do not work until we accidentally bump into that single idea that work, and boom! Many successful people in the history has faced many failures in their lives. Colonel Sanders only founded KFC when he reached 62 years old. Before that, he has done many different jobs, including a conductor, blacksmith helper, laborer, fireman. lawyer, secretary, tires salesman, insurance agent, and many more. if he gave up trying at either one of his failure, we would not have KFC in our neighborhood today.

Always remember, we are not born to be ordinary. We are not a product from a manufacturing plant. Each of us is born to be different. While we live, keep on trying and bring the best out of us, so that we will not regret at the end of our lives!

Work for Money or Work for Passion?

2016-05-26T09:46:00.002-07:00

Work for Money or Work for Passion?

When we were in primary education, the most common essay exercise title would be "my ambition", "my dream", or something similar. As a kid, we were taught to dream and let our imagination run wild. We were taught by the teachers and parents about different occupations - teacher, postman, singer, fire fighter, doctor, artist, musician, astronomer, pilot, and many more different occupations. Life was full of possibilities.

Then, as we grow older, we were told that we should be working hard to achieve our dreams. We were told to study hard so that we could get a good grade. Schools taught us that we can only achieve our dreams by getting a good grade and get into the university and the course that we want. Make a living through working on things that you really love, your passion, so that you can be happy working and not feeling miserable, they said.

Everything was all so promising and exhilarating, that we could not wait to grow up and finish whatever academic study required to be the person that we dreamed to become as a kid, until the reality kicks in. When we were kids, we had the freedom to involve in whatever we like to do, because we do not have to worry about paying rents, our hire purchases, our credit card bills, our meals, telephone bills, and the list go on. As we grow up, commitments and responsibility comes to us gradually. We have a life to sustain, and bills to pay. With ever increasing living costs, it seems that the dreams we had could not provide us a living. This is especially true for those with family. It is no longer the issue of living a simple life. We have dependents to take care. We need to keep them warm, keep them comfortable, to pave road for our kid's future. Then we lost our direction.

Should we work for money or work for passion? Dreams appeared to be so far away. Is it still reachable?

Know Yourself
We are not born to just pay bills and die. We are all born with a purpose. Did you dream to be a doctor, or a fire fighter? What was your motive? to save lives? Now you are neither of both, but is there any other ways that you can save lives?

Find a quiet place, take 10 minutes to ask yourselves these questions, "all of us is going to perish one day, what would be my legacy? What would people associate me to after I die? If I have all the time and resources in this world to achieve one thing, what would it be?" Know your talents, know your strength and weakness, what you can do and what you cannot do.

Is There a Cheaper Alternative?For example, a person who wished to be a doctor to save lives, but he did not make it to medical school due to his results. He can save lives through other alternatives. He could be a counselor for suicide prevention. He could be a volunteer social worker to take care of the drug addicts, raise awareness campaign and donate syringe and condoms to them. Is he not saving lives? It may not be as direct as doctors saving patients, but he is preventing the spread of AIDS and it leads to the same results.

Set for Yourselves a Time Frame
Rome was not built in a day. It takes time to realize our dreams. We need planning and execution. and we need time. No matter how talented a person may be, the law of nature must be obeyed. All things in this world take time to grow, so as our plans. Focus on your talents and what you can do. Plan in stages and do things progressively, and soon you will be there.

But I am not making enough to sustain a living...
Then do something. We cannot be repeating the same thing day in and day out in our lives and expect different result. If you are thinking that working hard for a pay raise is going to change the situation, no that will not happen. Here is why. You need to learn how to allocate your income. You need a strategy for your financial planning. A good financial planning should involves saving, risk management, and investment. If you are waiting for a paycheck end of the month until you retire, you will be working for money all your life, like a rat racing in the rat wheel, it is a race of never ending. Without dream and life purposes, your will be a walking zombie, a cold machine work up to your last day. Please, do not let that happen. We are all born with a great purpose!

Learn to manage your money, then you can have the freedom to chase after your dream. None of us should work for money all our lives, once we make enough for living, it should be all about achieving dreams and making impact in the society. If you wish to learn how to invest and financial management knowledge, Follow and subscribe to us and we will share more knowledge in future!

Investing 101: Why Your Salary Increment is an Illusion

2016-05-25T09:22:00.001-07:00

At the end of a every financial year, everyone who work for salary is is going to face a emotional session with their superior. To some people, it is something worth anticipating because they believed that they have performed their best in the last financial year; while some people are anxious and agitated, heart palpitating walking along the corridor into the superior's room. The appraisal is the most important assessment to decide whether an employee deserves an increment.

In human resource management, appraisal is a measure to ensure that the performing employees are rewarded fairly and encourage the not-so-performing employees to work harder. The performing employees are given a higher percentage of increment, which could be 2-3% higher than those who are not performing as well as them. According to Aon Hewitt's new salary survey, Malaysians anticipate 5.8% increment for 2016, increased 0.2% from 2015 figure. Increment gives the employees a hope that as long as they continue to work hard, they will be paid more and more, and one day they will become rich. Now, we are going to show you why this is a mere illusion (or at least, less reality than you have imagined)

In earlier article, we have discussed the concept of inflation. Let us assume that in 2016, all companies in the country gives a 5.8% increment to all the employees. Is that a happy ending? Does that mean that all the citizens are richer by 5.8% this year? If you know what inflation is, then NO.

In January 2016, inflation rate in Malaysia is 3.5%. Presume that this figure is precise, your increment is actually 2.2% only instead of 5.8%. Why not 2.3%? Well, the calculation goes this way:

Assume that Salary = $3,000,
Increment = 5.8%
New Salary =$3,174
Inflation rate = 3.5%
New Salary purchasing power compared to year before = $3,174 ÷ 1.035 = $3,067
Actual increment = [($3,067 ÷ $ 3,000) - 1 ] x 100% = 2.2%

However, the official inflation numbers is just an indicator, by the finance ministry and federal bank to formulate the best fiscal policy for the country's economy. The actual inflation experienced by the citizen can be very much different from official figure, from region to region and according to individual's lifestyle.

Today, a fresh graduate in the country are offered salary around $2,500. A 750 square feet apartment in Georgetown, Penang area is now worth around $300,000. Fried Koay Teow today in Penang is calling for RM 4.5 to RM 5 per plate. 15 years ago you could buy the same apartment below $100,000, and a plate of Fried Koay Teow was only $1.80.

Yes, to those who are born in 1990s, all of you dreamed to make thousands monthly as a kid, and many of you managed to achieve it today. Today, to help you get out of the illusion, we would have to wake you up from your fantasy, your wonderland.

The $2,500 salary that you are making today is not the same $2,500 back in your old days. Assume the value of money has depreciated 3 times against the cost of food and cost of accommodation, the $2,500 you make today is just $ 833 in the old days. Those days, that's the salary for a labor worker without SPM certificate. So, are you getting richer after all these years of economic development? Are we moving forward and improving? If so, why would a degree holder receive the pay of a labor worker who did not even have the proper education 15 - 20 years ago?

We are not discouraging you to work hard. In fact, we believe that by working hard one person can change his fate. But, you must work hard the smart way. Be an informed employee, learn to plan your finance. Learn to allocate funds, learn to invest. If you fail to plan today, you plan to fail tomorrow.

More articles like that are coming up and we will move progressively to more in depth knowledge in future. Like us on FB and follow us for more financial tips!

Investing 101: How Inflation is Eating Into Your Pocket

2016-05-24T09:21:00.000-07:00

Inflation, a term that is often overlooked by people in modern days unless they possesses financial knowledge. Inflation is a pest in your treasure chest, a rat in your piles of cash. It is eating up your worth. You could be wondering, hey my cash is still there, and my bank account gives interest. My money in the account is growing more and more, how could there be a rat?

So, what is inflation?

Inflation is a reduce of purchasing power of a currency. An inflation rate of 3% would mean that whatever cost $1 last year would need $1.03 to buy. The value of the money fall as more money is required to buy the same thing compared to last year.

Imagine just by a 3% inflation rate, the stack of $10,000 cash you keep under your mattress today, would only worth $ 8,626 in 5 years time compared to today's value. Imagine after 5 years you bring the same stack of cash to the grocery, you can only fill your shopping cart with what you can buy with $8,626 today.

How reliable official data is?

The real problem is, the inflation data is often published by federal bank or finance ministry after taking a the mean price movement of important living needs items such as food, cost of education, cost of transportation, housing prices etc. Of course they have professional team of mathematicians and economist to help them in reducing the chances of error, but still the number can hardly represent the inflation if a specific area in a country. Take a simple example, the price changes of property in Kuala Lumpur City Center and Cheras can be different in that same year. The price of flour may increase by 2%, but the price of noodles in hawker centers increases differently; some even increase a hefty 10% for a mere 2-3% increase in flour price or petrol price, as if their noodles are made of petrol. Therefore. the reliability and practicality of this data is really questionable when comes into real life application.

According to Bank Negara Malaysia, our inflation for past one year as at January 2016 was 3.5%, while everyone knows that the country has just implemented a 6% GST to most of the consumer items and services. Despite there is a drop in global petrol price by near 50% (USD 75 bbl to USD 30 bbl), the price of petrol in the country did not drop as much. In practical, the composition of every family's expenditure can be very different. Tom's family may spend 50% on property and 20% on food, while Peter's family will spend only 30% on property and 40% on eating out. Therefore, the inflation figure is just a comforting figure, where in actual life, the damage can be far bigger.

The FD interest rate in Malaysia is around 3.5% to 4% last year. In this scenario, it is not even enough to cover the rise of living cost from GST implementation. Is it really a wise choice to save all our money in the bank? Of course not! We need to have a balanced portfolio,

Like us on Facebook to get updates on new articles! In the coming articles, we will learn to allocate funds to hedge against inflation.

7 Tips To Improve Your Productivity

2016-05-24T02:25:00.002-07:00

Today, most people are struggling through the day in the office. It feels as if 24 hours per day is not enough for them to finish their work. They feel busy all day but at the end of the day, accomplish less than they thought. At the end of the day, they realized that they are not closer to their objective.

If you think that the above description is talking about you, the tips below are for you.

7 Tips to Improve Productivity

1. Sleep early. Staying up late will cost your your cognitive power the next day and leave you lethargic all day. When your brain cannot work fast, it is basically impossible for you to be productive.

2. Understand your goals. Without a proper goal, you will have no direction and take whatever task thrown at you. Learn to identify what is important to you and what is not. Always engage in activity that is related to your goal.

3. Plan your day ahead. List down important tasks early in the morning, and reserve the best time of the day for these tasks when your are at your best condition. Many people spend their best time attending to unimportant errands and by the time they attend to what really matters, they are either out of time or gotten too tired to handle the real issues.

4. Learn to say No. It is good to be kind and helpful. But you have to be able to help yourselves first before helping others. Know what you are capable of and the resources your have. If helping others would cause you deep trouble, maybe someone out there could help them better.

5. Schedule your time for social media. Social media can be very addictive. Once you start, you can never stop. Always schedule your time for social media and stop when the time is up. If you find yourselves totally unable to discipline yourselves, we recommend you to uninstall the social media apps on your phone. Without the logo and notifications to remind you every time you unlock your phone screen, you can be more focus to your task in hand and less time is wasted.

6. Take plenty of action. Some people just find it hard to start a new task or a project. Before starting a project, these people will be thinking all kind of possibilities and spend more time thinking whether to start this project or to do something else first. This is pure procrastination. A thousand miles starts with one step. Whatever you have to do, start first, and you will find ways to overcome the challenges arise.

7. Invest in a watch. You need to keep yourself timed. There is no point making a schedule when you have no watch to ensure you complete your task in time. Making schedule is planning, completing your task in time is execution. A plan without execution is just a piece of paper.