tag:blogger.com,1999:blog-6707177610392989847Sat, 31 Aug 2024 17:55:02 +0000BudgetInvestment教育Investment RiskMalaysia Budget 2011planningInvestment Risk ManagementCommodities InvestmentInvestement历史教育教育投资法令http://timesads.blogspot.com/noreply@blogger.com (TimesAds)Blogger19125tag:blogger.com,1999:blog-6707177610392989847.post-8818363287604421130Wed, 24 Nov 2010 08:33:00 +00002010-11-24T16:33:19.716+08:00Investment RiskAfter deciding on how much risk is acceptable in your portfolio by acknowledging your time horizon and bankroll, you can use the risk pyramid approach for balancing your assets. An investment pyramid actually represents three levels of investment. At the bottom of the investment pyramid, low risk investment options are placed.  In the middle portion of the pyramid, the investment options http://timesads.blogspot.com/2010/11/investment-risk-pyramid.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-3654971359706692282Tue, 23 Nov 2010 07:14:00 +00002010-11-23T15:14:10.114+08:00Investment Risk ManagementYou might be familiar with the risk-reward concept, which states that the higher the risk of a particular investment, the higher the possible return. But, many investors do not understand how to determine the level of risk their individual portfolios should bear. This article provides a general framework that any investor can use to assess his or her personal level of risk and how this level http://timesads.blogspot.com/2010/11/article-sharing-determining-risk.htmlnoreply@blogger.com (TimesAds)1tag:blogger.com,1999:blog-6707177610392989847.post-9073872951453439536Wed, 17 Nov 2010 19:43:00 +00002010-11-18T03:45:32.691+08:00教育教育投资天下父母心，没有父母不会为孩子未来的教育操心。 孩子一出世 ，就有不少保险员来推销教育保单，到底哪一种教育保单最好呢？ 孩子的教育投资，应该考虑些什么因素呢？ 教育保单 保险公司推出的教育保单大同小异，最重要衡量自己当前的经济状况，决定保额的多少。预先购买总比事后追悔好，至少以后经济宽裕时还可以加保。 只要持续交保，孩子长大后，有一笔钱作为最基本的教育基金，至于他选择的深造途径，花费多少，得视家长的经济能力和他本身的欲望及学业成绩。优秀生奖学金固然能解决学杂费、生活费，同时对学生是一种推动力；不过优秀生都是万中选一的，所以父母为孩子准备的教育投资，这时就发挥了效应。 无形投资 另一种教育投资，除了金钱之外，就是行为榜样。父母以身作则，从小培养孩子良好品德和学习精神，阅读的习惯以及对知识的渴望，人际关系的建立和良好的沟通技巧，除了在学校接受正规的教育之外，在家中父母的熏陶和教化是非常http://timesads.blogspot.com/2010/11/blog-post_18.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-3962972603646633772Tue, 16 Nov 2010 08:42:00 +00002010-11-18T02:58:38.370+08:00InvestementInvestment Risk ManagementAn important part of investing is understanding your risk tolerance. Risk tolerance is an investor's ability to handle declines in the value of his/her portfolio. An investor's risk tolerance varies according to age, income requirements, financial goals, etc. There is possibilities that investors might lose some money during investment. If you can afford to lose more money, you can take http://timesads.blogspot.com/2010/11/investment-risk-tolerance.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-5241183206927739511Sun, 14 Nov 2010 17:04:00 +00002010-11-15T01:04:01.567+08:00教育法令首相署部长纳兹里最近频频扮演政府的测温器，发表一些与政府政策的主流思想相异的言论。这一次他向法新社建议政府应该废除1972年大专法令中，禁止大学生参政的条文，只能说是这一系列高姿态的又一个示范。 姑不论政治角力或政治唱戏，1972年大专法令有关条文已经是臭名昭著。如果研究它的影响，可能得出马来西亚政治生态因此而产生巨大改变的结论。从马来亚立国开始，政府就十分重视教育，以及教育的最终目的。过分重视的结果，却是以国家团结和社会和谐为由，钳制了教育的正常发展。 可以这样说，政府重视的不是通过教育塑造完整的人格，而是通过教育政策打造忠心爱国的好公民，最好当然是服从政府政策的顺民。我们有堂而皇之的“国家教育哲学”，有每年数亿拨款的教育开销，可是仍然栽培不了杰出的大学生、建设不了排名百大的国际一流大学学府、一改再改的小学课程纲要、犹豫不决的考试教改方案、反复逆转的教学媒介语闹剧。 教育是教会http://timesads.blogspot.com/2010/11/blog-post_15.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-6881524461268667583Fri, 12 Nov 2010 00:21:00 +00002010-11-12T08:28:15.167+08:00教育  历史将列入小学的教学科目，而根据最新的消息，副教育部长拿督魏家祥告诉法新社时这么说，从2011年起，性教育也是小学课程之一。  社会与生育健康课程：明年列入小学纲要 这门课称为“社会与生育健康教育social and reproductive-health education”，为了克服社会上日益严重的弃婴问题。 随着现代儿童越来越早熟，媒体的发达使到他们过早地接触到许多与性有关的讯息，因此正确的知识和适当的引导对于建立孩子的性价值观是必须的。 大马青少年未婚先孕和弃婴问题趋向严重，当局不得不正视这项社会课题，尤其在回教社会和传统的华人社会中，婚外性行为违反了道德或宗教价值观，更何况其导致的恶果——流产、弃婴和未足龄强奸等等，更是对身心尚未发展健全的青少年一大伤害。  弃婴：青少年性教育不足？ 从小学生开始的相关性教育，必须是全面的、包容性的，需能http://timesads.blogspot.com/2010/11/blog-post.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-4177398225527489551Wed, 10 Nov 2010 09:35:00 +00002010-11-11T17:32:31.085+08:00历史教育教育 SPM历史科考试须及格 “教育部副部长拿督魏家祥认为，在落实2013年大马教育文凭（SPM）考生历史科必须及格，才可获得SPM文凭的同时，须检讨历史科的内容。 他说，修读历史科的目的主要是让国民瞭解先辈建国的艰辛历程，推动各族关係，使国家更为团结。 他指出，目前的中学生对历史科都不感兴趣，依及格率来看，马来文在过去可达至70%-80%，而历史科却只有40-50%的及格率，因此教育部将会进一步探讨这个问题，确保中学生能适应这项新制度。”————风云时报2010-10-24 18:51:58 学历史是为了鉴古知今，就是知道以前发生什么事，汲取教训，了解现在的时局，不再犯相同的错误。历史教育和公民教育不同，所谓的“让国民瞭解先辈建国的艰辛历程，推动各族关係，使国家更为团结。”也不完全是公民教育，充其量姑且称之为“国民团结教育”。 如果读历史读出这么一些高材生，将来也只有像副部长那样http://timesads.blogspot.com/2010/11/spm.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-6429301863638973079Wed, 10 Nov 2010 08:58:00 +00002010-11-10T16:59:01.110+08:00InvestmentInvestment Risk6. Non Diversification Risk Diversify your fields of investment. DO NOT put all eggs in one basket. Asset allocation and diversification can protect against non diversification risk because different portions of the market tend to under perform at different times. 7. Liquidity Risk Liquidity Risk arises from difficulty of selling as asset. An insufficient of secondary market causes investment http://timesads.blogspot.com/2010/11/investment-risks-you-must-know-2.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-4886708535778340426Tue, 09 Nov 2010 06:52:00 +00002010-11-10T16:59:28.788+08:00InvestmentInvestment RiskIn the investment world, risk is inseparable from performance and, rather than being desirable or undesirable, is simply necessary. 1. Mismatch risk Trade the wrong investment products which doesn't suit with investment budget. Or investing in something that is inappropriate for your investment needs 2. Inflation risk The risk that the rate of inflation will exceeds the rate of return on an http://timesads.blogspot.com/2010/11/investment-risks-you-must-know-1.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-8130988819234793121Tue, 09 Nov 2010 01:26:00 +00002010-11-09T14:29:44.247+08:00Commodities InvestmentInvestmentPalm oil climbed to the highest level in more than two years, extending a 10-week rally, the longest since June 2007, on concerns that supplies are not rising fast enough to meet demand. The January-delivery contract on the Malaysia Derivatives Exchange gained as much as 4.9 percent to 3,348 ringgit ($1,084) a metric ton, the highest price since July 18, 2008, and traded at 3,302 ringgit at 4:14http://timesads.blogspot.com/2010/11/palm-oil-advances-to-27-month-high.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-8190923913173103352Mon, 08 Nov 2010 10:10:00 +00002010-11-08T18:10:02.317+08:00Investment4. Mutual fund Mutual funds have become extremely popular over the last 20 years. It is likely a company that brings together a group of people and invests their money in stocks, bonds, and other securities. Each investor owns shares, which represent a portion of the holdings of the fund. The primary advantage of funds is the professional management of your money. It is a relatively inexpensive http://timesads.blogspot.com/2010/11/types-of-investments-where-you-can_08.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-4990367153092720840Thu, 04 Nov 2010 06:14:00 +00002010-11-04T14:14:39.752+08:00InvestmentPreviously we had discussed briefly the concept of investment. Now let us have a look at option of investment where we can roll our money in. Your choice of investment greatly depends on the amount of cash on hand. 1. Cash Investements Cash Investment includes saving bank accounts, certificates of deposits and life insurance policies. Investors can benefit from the lower risk and high liquidity http://timesads.blogspot.com/2010/11/types-of-investments-where-you-can.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-7587524688257758268Thu, 28 Oct 2010 09:42:00 +00002010-10-28T17:42:12.236+08:00BudgetInvestmentInvestment is an important part in budgeting, a step to create a better future for you and your family. It refers to the concept of deferred consumption, which involves purchasing an asset, giving a loan or keeping funds in a bank account with the aim of generating future returns. An investment involves the choice by an individual or an organization, after some analysis or thought, to place or http://timesads.blogspot.com/2010/10/what-is-investment.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-3354156268207781089Wed, 27 Oct 2010 06:14:00 +00002010-10-27T14:17:24.008+08:00BudgetMalaysia Budget 2011Our Merdeka, our stadiumPraba Ganesan, TheMalaysiaInsider, October 21, 2010OCT 21 — Freedom is in the heart, so tying it to a physical space may seem futile. But the heart — the way we feel about things — is triggered by our senses, by what we see, touch, hear, taste and more. Which is why the proposed desecration of the Merdeka Stadium zone in order to construct a 100-storey building is sheer http://timesads.blogspot.com/2010/10/budget-2011-comments-our-merdaka-our.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-4122419513507904791Fri, 22 Oct 2010 06:26:00 +00002010-10-22T14:28:50.031+08:00BudgetMalaysia Budget 2011100 Free Tickets For BUDGET TALK 2011 100张入场券供索取2011年预算案与新经济转型计划座谈会 Date:     23rd October 2010 (Saturday)Time:     8.30am-1.00pm (English)              1.00pm-6pm (Mandarin)Venue:   Palace of Golden Horses SMS registration by sending:TimesAds invites <name>, <Co. Name&gthttp://timesads.blogspot.com/2010/10/budget-talk-and-economy-transformation.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-1766450403270794674Thu, 21 Oct 2010 07:10:00 +00002010-10-21T15:10:33.479+08:00Budgetplanning You won't be surprised that financial planning can help in making your personal budget. But how? Especially for those who didn't really study econs or commerce in school, one's will keen to know the "abc" in financial planning that facilitate our budgeting. 无可否认，理财规划是个人财务预算的重要手段。 但是如何进行？特别是在没有咨询任何专家的情况下。 Financial planning is a process of setting objectives, assessing assets and resources, http://timesads.blogspot.com/2010/10/what-financial-planning-can-do-on-your.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-7009082722298294874Thu, 21 Oct 2010 07:09:00 +00002010-10-22T14:11:17.718+08:00BudgetMalaysia Budget 2011 Total budget – RM212 billion, 2.8% higher than the 2010 Budget Operating expenditure – RM162.8 billion Development expenditure – RM49.2 billion 2010 growth revised to seven percent compared to six percent previously, fuelled by private investment growth (15.2%), private consumption (6.7%) and exports (11.6%) 2011 growth expected to hover between five to six percent supported by private http://timesads.blogspot.com/2010/10/malaysia-budget-2011-review.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-2778507691816558464Tue, 19 Oct 2010 08:22:00 +00002010-10-19T16:22:34.686+08:00BudgetplanningBudget is a plan for saving and spending. A personal budget is a finance plan that allocates future personal income towards expenses, savings and debt repayment.If you don’t know how much money you have coming in and where it goes, your road to financial success will be a difficult one. 财务预算是支出与收入的预先规划。参照之前的收支款额，预定将来的开销和花费，尽量在个人财务方面扣除基本消费，取得每月盈余，作为投资、还债或储蓄之用。 The following sample illustrates how http://timesads.blogspot.com/2010/10/budgeting-you-save-if-you-plan.htmlnoreply@blogger.com (TimesAds)0tag:blogger.com,1999:blog-6707177610392989847.post-3100842213609066374Mon, 18 Oct 2010 04:55:00 +00002010-10-20T16:23:15.265+08:00BudgetplanningCREATE A BUDGET PLAN 1. write down your fixed expenses (house payment/rent, utility bills, insurance premiums). 2. under your fixed expenses, write down all of your basic needs expenses (food, gas, clothing, toiletries, etc.) 3. add all of these amounts together and subtract from your total monthly paycheck. The amount that is left is what you actually have to work with in terms of budgeting. http://timesads.blogspot.com/2010/10/5-steps-to-create-personal-budget-5.htmlnoreply@blogger.com (TimesAds)0