Stock Market & money related sharing

Tips on Filling your Vehicle Receive the below from one of the friend: BUY OR FILL UP YOUR CAR OR BIKKIE IN THE EARLY MORNING WHEN THE GROUND TEMPERATURE IS STILL COLD . Remember that all service stations have their storage tanks buried below ground. The colder the ground, the denser the fuel, when it gets warmer petrol expands, so buying in the afternoon or in the evening.... your litre is not exactly a litre. FILL UP WHEN YOUR TANK IS HALF FULL . The reason for this is, the more fuel you have in your tank, the less air occupying its empty space. Petrol evaporates faster than you can imagine. Petroleum storage tanks have an internal floating roof. This roof serves as zero clearance between the petrol and the atmosphere, so it minimizes the evaporation. WHEN YOU'RE FILLING UP, DO NOT SQUEEZE THE TRIGGER OF THE NOZZLE TO A FAST MODE. If you look, you will see that the trigger has three (3) stages: low, middle, and high. In slow mode, you should be pumping on low speed, thereby mini...

Why Public Bank still a good BUY? In today’s competitive environment, cost will be the effective way to judge how good one bank is. In this area, Public Bank is the most successful bank for Malaysia (33% compare to HLB 42% & MB 44%). Most of the staffs are hard working, thanks to the management who taking care of their staff well being.   In return, with this kind of working environment, create a good chain reaction.  If you will to ask around what’s the most quality bank in terms of service efficiency, people mostly give you the answer, Public Bank. Yes, today if you go to Public Bank’s counter, within 5 minutes, you will be called. Even if the queue is so long, the manager will come forward and provide their service.  As a result , it managed to retain the existing customers as well as attracting new business.  It has the lowest non performing loan (NPL) in the country (1.2% compare to average of 3.1% for industry). Thanks to the risk management policy and practice. When ca...

Reasons why Public Bank not a good buy? The below interesting article post by  黑俠 : PBBANK 是馬來西亞管理最好的銀行！廢話，這大家都懂，但到底怎樣 好法？   存款增長快，貸款額增長快；帶動收益增長，但呆帳只有 1.23 ％ ；因呆帳低，所以股東與資產回報為同行最高；資本適足比率處於良好水平，達 13.6% ；而且派息率高．．．．．．旗下的信托業務，名譽為同行之最；保險業務的綜合比例低。 PBBANK 是好公司， 這 無可質疑的，它也是唯一沒在 97/98 金融風暴出現虧損的銀行，這麼多好處，現在是否值得投資呢？ PBBANK 的潛在隱憂 「專業」分析員稱 PBBANK 雖然是大資本公司，但仍高速成長，為此振奮不已！其實， PBBANK 自 2003 年開始， 成長已經開始出現不平衡了！實際成長可說已暗藏日後的「危機」 ( 「危機」這詞 可能 有些誇張 ), 先看看 PBBANK 的盈利： 1995 ＝ 303,400 　 1996 ＝ 408,000 　 1997 ＝ 274,900 　 1998 ＝ 51,226 　 1999 ＝ 616,141 ＊ PBBANK 自 97/98 金融風暴後，在 1999 年就恢復風暴前的盈利，甚至遠遠超越風暴前 2000 ＝ 716,865 　 2001 ＝ 700,078 　 2002 ＝ 770,237 　 ＊ 2000-2002 年，盈利增長緩慢，陷入停滯，複增長率是 3.4% 2003 ＝ 974,186 　 2004 ＝ 1,266,988 　 2005 ＝ 1,450,281 　 2006 ＝ 1,795,161 　 2007 ＝ 2,201,786 　 2008 首季＝ 扣除 Goddwill Payment ，實際盈利 517,387 ，比去年同期增長 8.6 ％ ＊ 2003 － 2008 年 首季 ，盈利出現驚人成長，複增長率是 23% PBBANK 的股價也從 2003 年中擺脫盤整，開始了上升旅途。 PBBANK 的派息率，一直以來都在 50% 左右 。 進入 2004 年，派息率高達 167% ； 2005 年 90% ； 2006 年 84% ； 2007 年 88% ； 4 ...

No Money No Talk! More than 30,000 of shareholders, gather at Ohama City, just to look for meeting with the world's most richest man, billionaire Warren Buffer, who is the world's most successful investor. The crowd has grown bigger every year as shareholders bring family and friends to hear 77-year-old Buffett and Berkshire vice chairman Charrlie Munger, speak.  Buffett cautioned shareholders that returns in the years ahead from the company's equities portfolio, as well as gains from its own stock, are likely to be lower than those seen in previous decades. He will be very happy to generate gains of 10 per cent a year from common stocks over the long term, but questions whether that will happen. Buffett says Berkshire has become so large that it's now difficult to find investments that are big enough to influence the company's results materially. "What we really like is buying large, first-class businesses and just sitting there." But, he adds, that would...

Is it time to buy Stock now? Recently one of my friend post me the above question through email.  This is  very interesting question, in view of our local stock market is in bull phase since June 2006, come to this year 2008 is nearly two years old. From the past history record, local stock market seem to have the average bull phase of about 2 years. If you would to ask me if now is good time to buy, the answer is Yes and No. Yes - if the price is right! No- if the price is wrong! Let's look at the top 15 high dividend stock's performance since 2006 and dividend Yield as below: 1） Berjaya TOTO 9.4% 2) Bintulu Port 8.4% 3) Amway 8.3% 4) BAT 7.9% 5) Carlsberg 7.9% 6) JT Intl 7.4% 7) Guiness 7.2% 8) Gamuda 7.1% 9) KFC 6.6% 10) DIGI 6.3% 11) PBB  6.2% 12) Star 6.0% 13) TH PlantationsTH 5.8% 14) Axis REIT AXIS 5.8% 15) Atrium REIT 5.5% If one were to buy the above 15 stock since 2006, he will have the paper gain of about 25% on average (assume he not yet sell it) and Dividend of 7.5...