TM News Release

I didn't manage to catch the VC session with our Dato' CE yesterday, hence i took an effort to open up the news release (disseminated via email to the staffs) and walllahhh this statement caught my attention most......(wink wink*)

In line with its continued focus on shareholder returns and capital
management, the Company also announced a proposed final gross dividend of 13.1
sen less tax 25% or approximately to RM351.5 million on top of the interim gross
dividend of 13 sen less tax 25% amounting to RM348.8 million distributed in
September last year. TM announced its plans to carry out a capital distribution
exercise to its shareholders of approximately RM1,037 million whereby TM’s
shareholders will be entitled to receive a cash payment of RM0.29 for every TM
share held. The total payout of the final dividend and capital distribution of
approximately 39 sen or RM1,388.9 million is expected to be paid in June 2011.

Syukur alhamdulillah what a nice timing!!! Loads of things awaiting on the upcoming June (read: cash outflow) and this is just perfect :)

TM Special Dividend

To all TM shareholders, please hold your share and avoid selling within this near time since TM will be paying out special dividend to all its shareholders. Amount is still uncertain, but the announcement shall be made to public, tentatively on 25th February 2011.

Too good to be true huh?

Have a nice day!

p/s: Latest price as at 9.22am today is 3.90.

harga emas Public Gold

Ada rakan yang meminta saya letakkan harga emas terbaru Public Gold (PG). Berikut adalah harga pasaran pada hari ini. Sila refer kepada harga 'We Sell' jika anda mahu membeli emas dari PG, dan 'We Buy' jika anda mahu menjual emas sedia ada anda kepada PG.


Just for my personal reference, harga yg saya beli pada 11 May 2010 bagi emas 20gram ialah RM2762 + RM10 fee. Bagi dinar emas pula, harga yang saya beli pada 7 July 2010 ialah RM578.

Pelaburan emas ini merupakan satu pelaburan jangka masa panjang. Jadi janganlah anda beli hari ini, dan target untuk jual dalam masa 3-4 bulan. Siapa yang inginkan pulangan pelaburan yg cepat/jangka pendek, haaa anda boleh belajar main kontra dalam saham. Untung cepat (jika anda pandai pilih saham!), dan risiko untuk rugi pun sudah pasti ada :p Tapi ingat, ia memerlukan komitmen yg tinggi dan anda boleh berjaya jika dapat duduk mengadap screen laptop sekurang-kurangnya 12 jam, tolak waktu makan, minum, solat dan sebagainya hihi :)

Jadi apa pilihan anda?
Sebelum membuat pilihan, kumpullah ilmu sebanyak mungkin dulu yer, supaya anda tidak menyesal di kemudian hari.

back sprain

1. We were supposed to continue our laman project this morning when hubby suddenly got a 'simple back sprain' attack (as what the ortho terms it) while he was about to carry our old bicycle into the car boot for the purpose of 'BOS'. This is his 3rd/4th attack for the yr, and all he can do was just laying down as the pain is severe and hardly bearable. I coax him to go and see an orthopaedic at An Nur, and syukur the result was not a slip disc. My staffs thought i was at the hospital preparing for labor haha...blom lagi ok...saya masih sihat and the time is just not yet!

2. Received a dividend cheque (interim) for TM's share today. Alhamdulillah for it still maintain as one of the companies paying high dividend rate to its shareholders. Berbaloi simpan lama-lama :p

3. Bought a bengkung (RM40) from Mum's Dream shop just now after our visit to An Nur. It's the one yg kena lilit2 tuh but still simpler than the long bengkung jawa yg 10mtr tu. Now that i have 3 bengkung(s) in hand, satu yg jawa style, satu bengkung moden (courtesy from Semah) and this new one, hopefully perut cepat kempis hihi

dinar

Our first dinars are here already, one each for our family :)
Each comes with its own certificate of authenticity, with its unique serial number.



Dinar sudah sampai, tapi yg 'satu' tu lagi masih belum kunjung tiba.
Penantian itu satu penyeksaan :p

Anyway lambaian pulau sudah memanggil kami. Insya allah subuh esok kami bertolak...kena cepat untuk mengejar feri jam 12 noon. Plan nak masak nasi goreng + nugget utk ditapau sebagai breakfast, dan sandwich, roti krim, serta biskut-biskutan sebagai back up sepanjang perjalanan. Maklumlah lalu jalan dalam, bukan tol...jadi mana nak ada R&R untuk beli makanan kan :) Harap2 si anak sulung ku berani la nak terjun snorkelling meninjau ikan2 yg comel dan cantik2 itu semua. Si Firas, iskk tak berani rasanya kami nak lepaskan dia. Umi ku bukan main risau, katanya ada ke budak kecik yg snorkelling di tengah2 lautan tu?? Doakan kami (yatipruzz, dmnfarra, & ijahzahan sekeluarga) semua selamat pergi dan kembali yer!

Petang ni check up pertama dengan O&G kesayanganku, siapa lagi kalau bukan Dr. Khamsiah. Rindu nak jumpa dia! hehe

gold price

The movement in the gold price is quite interesting. I bought my 20g gold bar on 11 May at RM2762 (while 1 dinar=RM571), and the price kept on moving upwards until 20th May when the Euro crisis became severe, sending the prices slumped down to as low as RM2709. I've aimed to buy at least 1 dinar every month as parts of saving and future investment, as its more affordable compared to a gold bar. As such, i prayed the price will continue to remain low after the pay day. But i was wrong as it continues to climb up, and closed high at RM2833 for the bar while 1 dinar at RM585.

Yes I've missed the opportunity. But the game surely will continue....let's keep on hoping and watching ok!

dividend...

TM telah di announce minggu lepas. Lupa nak update.

Ex-date: 18 May (those yg jual after this date will not be entitled for the dividend)
Payment date: 9 June
Quantum: 13sen/unit. After tolak tax 25% jadikla 9.75sen.
Term: Final dividend for the year 2009

Alhamdulillah kira okla...boleh buat fund pegi Tioman :))

dinar emas?

Pukul 12:27pm. Mata rasa sangat mengantuk ntah kenapa. Pagi tadi ade gotong royong di ofis, dijamu pula dgn nasi lemak+kuih free. Malangnya saya berpuasa, maka hidu bau sajer lah huhu. Last 2 days pun begitu, GM tetiba belanja semua staff, again saya berpuasa...maka hidu bau sajelah lagi! Laksa johor, laksa penang, roti jala....adusss besar seh dugaan berpuasa ni.

Bila mengantuk ni, biasalah saya akan rest sekejap sambil surfing. Dan saya hampir tergelak bila baca moderator satu forum ni tulis begini:

tips:
1. Nanti birthday minta hadiah dinar emas
2. Kalau pregnant, buat-buat mengidam nak dinar emas

Yang!!! Mama tetiba rasa cam mengidam dinar emas la...bley ker? Seketul pun jadikla :)))

* lunch time nanti nak baca Jaja & Din. Kena make sure cepat abis ni, nanti Ijah bising :p

Pelaburan emas

Sebelum anda membuat sesuatu tindakan berkaitan pelaburan emas ini, ada baiknya anda baca dan membuat research dulu tentang hukum pelaburan emas di sisi Islam, apa yg dibolehkan, apa yg dilarang, bagaimana bentuk pelaburan yg dibolehkan, syarat2 dan sebagainya. Saya pastekan sedikit petikan dari UZAR buat tatapan semua, nak baca isi penuh pendpt beliau bolehlah pegi ke laman web tersebut ok.

HARAM DAN BATAL - jika emas belum atau tidak diterima serta merta ketika membuat akaun pelaburan emas itu.
HARAM DAN BATAL - jika emas itu belum ada didalam pemilikan pihak bank dan hanya akan dibeli daripada pihak ketiga dlm majlis transaksi yg berasingan.

HALAL DAN SAH jika:
1. Bank memiliki emas yg dijual semasa menjual.
2. Bank memberikan bukti dan hak tasarruf kpd pelanggan sama ada dlm bentuk fizikal emas atau dlm bentuk sijil hak ke atas sejumlah emas yg telah dibeli, yg mana sijil itu melayakkan pelanggan itu menuntut emasnya secara fizikal pada bila2 masa yg dikehendakinya.

http://www.zaharuddin.net/content/view/764/100/

Dan k.Tini, komen anda ada kebenarannya. Saya pun pernah terdengar yg emas yg dibeli tidak boleh diniagakan utk keuntungan short-term. Emas boleh dibeli untuk tujuan simpanan di masa hadapan, utk kegunaan long term seperti untuk pergi ke haji, fund utk anak kawin (:p), for savings and retirement fund, etc...yg penting tidak boleh beli hari ini, esok lusa dah nak jual. Saya akan cuba cari artikel yg dapat mengsahkan kenyataan di atas...bear with me yer :)



Pesan saya kepada adik saya yg nampaknya sgt teruja tentang pelaburan emas ini, baca dan kaji dulu sehabis mungkin. Bila dah confident baru melabur. Jgn ikut kata2 orang (i.e. kakaknya) sajer..sbb kalau kakak dia rugi, haaa awak pun rugi!

Knowledge is the key :)

Hati berbunga-bunga.
Hopefully i'm venturing into a right path.
caiyo caiyo!!

tensen!

makcik sgt tensi ari ni. Pam tertinggal!!! Sampai je opis tgk cooler bag takdak. Puas carik confirm takder. Tgk hp ade message. Rupanye ku tertinggal di nursery time antar bag kekanak tu tadi. Geramnyer sehhhh adui laaa grrrrrr. Calling2 mommy2 yg bf...sumer takder..training la meeting kat tpt lain la ape la...adus camner eh helpp!

On unrelated note, CI naik mencanak2 today...dah 1118 points beb! Almost sumer counter hijau..kalo idak last week manjang merah jerk.
Dah lama ku tak bukak website jupiter dek kerana bz...alih2 market tgh naik today. Ntah ape citer pon ku tak pasti hehe tak sempat baca paper. Syukur alhamdulillah plizz la maintain the upward trend ok :)

things about going online....

Notice the rare post I made recently? Well the M.a.l.a.s mode is still there, spreading all over though at times I do feel like writing so many things and have it transpired onto my blog.

Anyway, despite the lazy mode striked in, I still occupy myself by actively monitoring the stocks movement, narrowed down to my favourite’s only. Few transactions exchanged already after 3 weeks indulging in this field, and I made $$$ profit so far. Not that much but kira okla for a beginner. Since I didn’t have any basic knowledge on stocks trading, what more to learn about the technical analysis and several analytical tools commonly used by stock investors, I just use my basic instinct+market news+ monitor the volume and highly active stocks, as guidance for stocks selection. The morning and day summary write-up by the experts would also help in making my decisions. I notice without proper knowledge you may have problem to determine at which level would be the best entry and exit point. That happened to me when I exit too early, instead of waiting for several few days to lock in higher profit (tapi dah dapat profit tu pon kira ok dah :p) Some retail traders fall into the ‘followers’ category, just follow the trend in guiding their decisions. To me this is ok so long as you have your own pre-determined target to shape your trading style, and so long as you don’t make losses, that’s pretty good enough.

In between baking and trading, no doubt I find trading is much fun+relax. You just need to have some guts,and be prepared for the worst (even small losses count tau hehe). And opps not to mention the accompanied risk awaiting once you’re IN the field. Buat kek kurang thrill (and suspense) nyer, but the best part is when you received complimentary smses from your customers saying thank you and all that. Main stocks ni doesn’t involve other person, you untung/loss sorang2,senyum sorang….suspense pon sorang2 jer :p

* i'm hungry and tired actually, and am counting time to break my fast...hence pls bear with the boring post. Know the Gardenia butterscotch bread? yep i had my sahur with 3-4 slices of butterscotch + plain water. If not because of the azan i may end up finishing half of the whole bread....sgt s.e.d.a.p!

Day 1

Saya dah slamat bertrading secara online :)
Baru buy, belum sell lagik.
Market closed a bit lower, dan saye rugi sket sbb beli pada harga yg sedikit tinggi daripada harga time closing. But to me it's ok...baru DAY 1.

Anyway, bukan senang nak bertrading secara serius. Sifu2 dlm forum byk memberi tips dan tunjuk ajar buat beginner spt saya nih. Bila baca diskusi mereka, aduh mulut mmg ternganga luas bila depa sebut all the technical analysis, jargons, and whatnots. Kiranyer mmg start from zero la nih. Tapi takper, nama pon blajar kan...so i go slow and steady. Copy paste info penting dlm words...google cari terms2 yg depa sebut sumer tuh. No doubt mmg pening...tapi dah nekad nak blajar kan :p Opps lagi satu, rerajinlah tgk market watch dlm thestaronline tuh...tgk chart, trending, baca research report, technical report, etc. Walaupon tak brape faham, cuba buat2 faham jela hehehe. Agak mencabar jugak, sbb takde cikgu yg mengajar di depan kelas, takde formal notes....agak2 dan syiok sendiri jela. Yang pasti, proses pembelajaran kali ni konfem lagik susah dari blajar MBA dulu ahaksss :p

wish me luck!

being a beginner

Believe it or not, when the men of the house all sound asleep in lalaland, i spent close to 3hr doing speed reading (or i'd say 'marathon') on the forum about stock market. And now at 2351 i already have a list of the so-called 'popular' and mostly hand-picked stocks, from various sectors, together with their price movement from the lowest to the highest.

First step done, that is to register online under my existing account - Jupiter Securities. And oh i'm so glad to learn that its online brokering fees are among the lowest...gud gud!

Second step, waiting for their activation code before i can proceed to login and get familiar with the online environment.

Third step, still pending, and the most important of all, is to go to TH and withdraw some money to be deposited into the trust account.

yepp am so excited! Can't wait to start trading online :)))

PM: latest distribution

I almost forgotten about performance for one of my funds....duk tingat baby je sampai lupa distribution dates utk these funds.
___________________________________________________________________

Public Bank’s wholly-owned subsidiary, Public Mutual declares distributions for four of its funds. The total gross distributions declared for the financial year ended 31 July 2008 are as follows:

Public Growth Fund : 10.00 sen
Public Bond Fund : 5.00 sen
Public Islamic Opportunities Fund : 4.00 sen
Public Islamic Select Bond Fund : 1.50 sen
.....................................

Meanwhile, Public Islamic Opportunities Fund which was ranked No. 1 for its three-year returns has generated a return of 59.70% for the same period in its category. Public Islamic Opportunities Fund was launched in 2005 while Public Islamic Select Bond Fund was launched last year.

Source: www.publicmutual.com.my

Alhamdulillah, lega dengar. Despite the up downs on the equity sector due to our country's political instability, my fund is still performing well (partly due to the much-stabled oversea investments).
Local stocks are picking up now, nevertheless I'm still waiting for a right time to go out.
Some took the opportunity to sell to avoid further losses, however i still believe and hope for a good
turnaround in long-term.

Patience is the key :)

Oppss sape nak tambah investment, bley la calling2 saya/Pruzz ok. Honestly now is a good time to pour money for additional investment due to the market's downward trend...harga tgh jatuh, buy now and you'll get more units for the fund.

The power of compounding

Let’s go back to our financial mgmt class and refresh the formula for calculating our future value of money…..

FV = PV (1+k) to the power of n

Eg: How much your RM1000 will worth in 2 years with rate of return of 4.5%?
FV = 1000 (1+0.045) to the power of 2
= RM1092.03

If we take the average rate of return for unit trust fund, for instance 10%, let’s see how much you’ll be getting….
FV = 1000 (1+0.10) to the power of 2
= RM1210

See the power of compounding? Shocking but true :)

Most of the financial gurus place emphasis on instilling discipline when it comes to savings and investment. Hence do not make excuse to yourself by saying…. “i cannot invest now because I do not have enough money”….or “I think I need to wait until my income reaches xxx before I can start saving and investing”.

Always remember the Malay phrase, “sikit-sikit lama-lama jadi bukit”.
If you can’t afford to invest RM1000, you may start small by putting aside RM100 per month. After all, what matters is to start early than never. And the good thing about unit trust, you’ll have the opportunity to invest in big and well-diversified stocks portfolios instead of just dumping your big money in one big stock, and experience the risk of losing during market downfall.

(* I've been given the greenlight to attend the "Save ur Future II: Financial Planning training" by my dearest bos :) So kengkawan...see u all there!)

The Rule of 72

Good news, Public Mutual will declare distributions (i.e. dividend) for two of its existing fund, Public Ittikal and Public Islamic Equity Fund (PIEF) on 31 May 08. So for those who invests before 31 May, you'll be automatically eligible to receive such income distributions. Last year distribution for these funds was 10 cents and 5 cents/unit respectively. So let's not wait and start invest now :) But remember, past performance is not an indication of future performance. Knowledge is still the KEY.

I'd like to share something for today.....

The Rule of 72
Divide 72 by the rate of return of any investment and the answer you get is the approximate number of years it takes for that investment to DOUBLE in value.
72 / Rate of Return = No. of years to DOUBLE money

For example, how many years you need to take to DOUBLE your RM100k if the interest rate is 10%?
72/10%=7.2 years

So, the answer is 7 years. That means you need to take 7 years to DOUBLE your RM100k to become RM200k if the interest rate is 10%.

You may replace 10% with the Tabung Haji/ASB/fixed deposit/etc rate accordingly into the formula.

bila dah tepu....

Humm the blog has been left unattended for a while. Due to the office works plus tonnes of 'tough' assignments, cases n watnots...i easily became worn out at the end of the day...brain drain poor me huhuhu tepu sungguh help!!! How i wish to swing my magic wand and turn the day into the lovely June....yeahh the month of June where i can foresee myself goyang kaki at kampung and munching loads of chocolates bought in Langkawi muhehehhe. Oppsss a slap in my face again..wake up dear berangan je dang!

May is coming....we have B's besday and mother's day to celebrate. Deep inside i wish i could bake cakes for them...chocolate cake topped with rich blueberry and yummylicious cold whipped cream...or maybe carrot cake topped with cream cheese, my mom's favourite! Needless to say, i have class every weekend....and those special days happen to fall on weekend as well. Now don't you think i have all the concrete reason on earth to snatch one at SR? :p Sorry friends...i'm fasting today...and when fasting i couldn't help myself to stop thinking about foods and foods....plus Aini has mentioned in her blog about Paddington in MV and am start wandering on the wide array of foods offered at that place. Adui am so pathetic :(

Those investing in unit trust, you better catch the Personal Money mag this month. And i'll share my personal take on the unit trust investment later when i'm free....

And for those prefer to dump some money in stocks, you may ought to aim at plantation stocks due to its promising future and the global rising of CPO prices, plus the limited production and increase demands for crude oil. I've fared quite well in one of my selections so far alhamdulillah. But bear in mind, do your research first before investing in any investment tools. Never put your 100% trust on the agents/consultants/broker because it's your hard-earned money that we're talking, not them.

Knowledge is key :)