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2620# tam99
Takpe Abe Tam.. dang la gi ni.. masih ada 5 bulan lagi.. Tapi kalau boleh rehatla dulu betul2 sbb penyakit kau ni perlukan rehat yg cukup dan tak boleh stress sgt. Kesihatan lebih penting dari wang ringgit dan keseronokan bro. Kalau kau sakit tak baik2 tak guna ada wang ringgit dan dah tentu hidup kau pun tak seronok.. Ini nasihat ikhlas dari aku la. Kalau kau betul2 jaga insya allah dlm 6 bulan ke 1 tahun sakit kau akan ok mcm mak mertua aku tu skrg dah ok dah... Mcm mkn tu sebenarnya menurut doktor yg operate kau tu sebenarnya doctor peribadi mak mertua aku. Dia ckp walaupun sakit jantung boleh mkn semua tapi dlm kuantiti yg sedikit... Mak mertua aku durian, sup semua dia belasah tapi sikit la sbg rasa hilang kempunan la.. Lagi satu bro ubat jgn miss tau.. Itu penting sgt2.. Anyway bro aku sentiasa doakan kau cepat sembuh bro sbb tanpa kau tak meriah la.. |
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Worst of economic crisis impact to come, warns Lamy
GENEVA: The worst social and political effects of the economic crisis are "still to come", World Trade Organisation chief Pascal Lamy said yesterday, warning these could push countries deeper into trade protectionism.
Lamy told reporters he thought "the worst of the crisis in social terms is still to come, which means that the worst of the crisis in political terms is still to come".
Therefore "the stress test for the WTO system as a system that prevents high intensity protectionism is still to come", he added, and "the fight goes on" against such restrictive trade moves.
Lamy said there had been a trend towards restrictive trade practices despite efforts to curb outright protectionism since the Group of 20 summit of leading economies in London in April, citing a WTO report to member states last week.
"In the past three months, there has been further slippage towards more trade restricting and distorting policies," that report said.
Lamy said he would stress the need to resist protectionist tendencies when he meets G8 leaders at their summit this week in Italy.
He also reiterated the urgency of concluding the long-stalled Doha round of negotiations towards a world trade liberalisation deal.
"If you are serious about keeping trade open, please understand... that the best way to keep trade open is to keep opening trade, hence the renewed urgency in concluding the round," he said.
The Doha round started in the Qatari capital in 2001 but has foundered since over disputes between developed and developing nations on measures to ease restrictions on trade in agricultural and industrial products. - AFP |
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DJ MARKET TALK: FBM KLCI Likely To Open Lower; 1050-1070 Eyed
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0034 GMT [Dow Jones] FBM KLCI likely to open lower, taking cue from lower close on Wall Street overnight (DJIA down 1.9%) and declines in North Asian markets, says dealer. "Renewed fears that a recovery in the U.S. and Europe will be slow in coming continues to weigh on sentiment. On the home front, the sharp contraction in volume traded seems to suggest that the bear market rally may be coming to an end. Investors may opt to switch out of high-beta stocks to defensives or take profit and wait for a correction before reentering the market," says dealer at bank-backed brokerage. Tips benchmark to trade within 1,050 (psychological) to 1,070 vs Tuesday's close at 1,066.36 (+0.1%). (VGB)
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u all cakap kat investors, basic expenses asyik naik je..
Dah lah harga makanan naik mendadak, masa minyak naik baru2 ni...
la ni, elctricity naik lagi....errmm....
dan kita mesti jaga duit mereka supaya untung dengan banyak...
untuk tolong mereka lawan inflasi.
............................................................
Minister hints at possible electricity rate hike
By CECILIA KOK
PUTRAJAYA: The electricity tariff review scheduled for this month has been delayed but end-users may have to brace themselves for higher rates not too long from now, according to Energy, Green Technology and Water Minister Datuk Peter Chin.
There was a likelihood that the next electricity tariff review would involve a rate hike, he said.
“Eventually we may have to go down that road, we have no choice,” Chin told StarBiz in an interview.
“The principle of it is we are moving towards market rates,” he added, referring to natural gas prices.
Much of the electricity generated in Malaysia uses natural gas subsidised by the Government.
It is commonly known among analysts that national utility Tenaga Nasional Bhd (TNB) submitted its proposal for a tariff review at end-April and that a decision on the matter will be made by the Government this month or next.
Chin did not disclose much on the issue but hinted that a higher tariff rate would be in line with the plan to reduce the burden of rising subsidies in the country’s power sector.
In the energy value chain in Malaysia, the Government subsidises the natural gas element, which constitutes more than 67% of the total electricity generation mix, while coal, which is not subsidised, represents about 25% of the total electricity generation mix.
According to Chin, the electricity tariff review presents a tough balancing act, with the Government having to contend with rising subsidies but not wanting to burden consumers with higher power bills.
The minister said the Government would eventually have to allow the prices of natural gas to float according to market rates, which would mean higher gas prices and inevitably lead to higher electricity rates.
In March, TNB’s average electricity tariff was reduced by 3.7% following a 25% reduction in the price of natural gas (supplied to the power sector) from RM14.31 to RM10.70 per mmbtu (million British thermal units).
Gas prices were cut in line with the decline in global crude oil prices from its record high of US$147 per barrel in July 2008 to under US$45 per barrel by the end of February this year.
Global crude oil prices have since trended up, and are currently hovering below US$63/barrel.
Coal prices at Australia’s Newcastle port, a benchmark for Asia, had also fallen from a high of US$192.50 per tonne in July 2008 to around US$65 per tonne by the end of February.
TNB has disclosed that its average coal costs for the first half fiscal year ended January 2009 stood at US$101 per tonne, higher than the US$85 per tonne which its current tariff structure is based on.
International coal prices are currently hovering around US$70 per tonne, but the total average cost that TNB has to bear is around US$90 per tonne.
While 60% of power generated in the country comes from gas and 30% from coal, in terms of cost, coal takes up 60% of fuel cost while gas comprises 40%.
TNB president and CEO Datuk Seri Che Khalib Mohamad Noh was recently quoted as saying that TNB had been absorbing the additional costs and had not been passing it on to consumers even though its profits were being eroded. |
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Lupa nak cakap..
Thanks to chief lat yang sudi sponsor food masa after training..
dan romeo tawau sponsor drink...
semoga U all buat sales banyak sokmo, dan boleh belanja lagi..:pompom:
Dan rezeki terus murah untuk semuanya..
tapi..ada mamat tu dah kenyang dan takut perut dia buncut, tapi disebabkan chief lat nak belanja, order juga bee hoon..last2 tak makan...
chief lat juga yang tolong makan..
sapa kah orang itu..
clue...berdarah manis...
manis ke..darah dia...
masam kot... |
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DJ MARKET TALK: FBM KLCI Poised To Test 50-DMA Support -OSK
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0101 GMT [Dow Jones] FBM KLCI poised to retest support at 50-day moving average (now at 1,052), says OSK technical analyst, Shin Kao Jack, noting lower high of 1,083.25 on July 2 vs high of 1,095.91 on June 12. "A break below the 50-DMA would see the market facing massive selling pressure similar to the previous breakdown from the 20-DMA line (June 18)," he cautions. Benchmark lost almost 4% over 4 days to intraday low of 1,028.14. "We maintain our bearish view toward the near-term market. We will likely see the sellers selling more aggressively and confidently below the 50-DMA line," he adds. Initial support at downside gap ranging from 1,057-1,064 followed by 1,052 (50-DMA), then 1,028. FBM KLCI ended +0.21 point at 1,065.68 Thursday. (VGB)
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iklan jap,,pening tengok market yang lembap macam siput..
Humaidi....nah kau nak tengok, gf sahabat kau yang dok discuss after training ..
nama..rahsia..
ugama islam..(dulu mandai2 aku ingat dia kristian..sorry..)
umur bawah 25..
semalam, saya kat Hilton,,,,mamat tu siap berborak,sayang sayang lagi..
lugaaa..lugaaaa...
btw, saya sebagai agent, kena request 50% dr wang hantaran...
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iklan jap,,pening tengok market yang lembap macam siput..
Humaidi....nah kau nak tengok, gf sahabat kau yang dok discuss after training ..
nama..rahsia..
ugama islam..(dulu mandai2 aku ingat d ...
kirawang Post at 10-7-2009 09:38 
wuissshhhh.... ok laaa tuuuuu! :pompom:
apa tunggu lagi!  |
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wuissshhhh.... ok laaa tuuuuu! :pompom:
apa tunggu lagi!
whomyd Post at 10-7-2009 16:44 
haa..baru hang tau...
nanti hang nak cari no 2., hang habaq awai awai..
member hang tu dah tak boleh tidur dah...sejak jiwang jiwang ni.,..
last friday katanya nak join membership hilton..
tahulah awek sabah tu, kerja kat hilton..... |
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article menarik...
Footballer Ronaldo example of 'sky is the limit' for earning, but ...
Monday Starters - A weekly column by Soo Ewe Jin
CRISTIANO Ronaldo is now the most expensive football player in the world. The 24-year-old striker will be paid 13 million euros per season following his move to Real Madrid. And that’s not counting the money he will make through advertisements, sponsorships, and a share of merchandise sales.
That’s Real-ly a lot of money.
There is no doubt that Ronaldo is extremely gifted and can mesmerise all of us, on or off the pitch, but is he worth that much?
Why is a striker worth more than a goalkeeper? After all, the game’s result can be determined as much by the goals scored or the goals prevented. And what about the other nine people in the same team on the pitch?
The legendary Pele has urged Fifa to introduce a salary cap for players and warned that the vast sums of money changing hands in the game could taint its image for future generations.
“You get a player today that they announce in Manchester United, Real Madrid or Milan or any other team, and they kiss their shirt,” he was quoted in a news report.
“The next day, he goes to another team and he kisses that shirt. This, I think, is something we have to pay attention to for the next generation.”
This is the harsh reality of today’s world, be it in the world of sports, or in the corporate world.
We are always told that in a company, we are all part of the same team, and that everyone is an essential cog in the organisational wheel.
Still, within the same company, some people can earn more in a day than what the lowest paid worker gets in a month.
It is very hard to define what an honest day’s wage for an honest day’s work mean these days.
After all, it is very much a fact of life that some people can and do command astronomical incomes in certain positions.
From sports stars to celebrities and corporate high-flyers, the sky is literally the limit when it comes to making money.
Watching the Michael Jackson memorial service on TV, I am reminded about how much he was worshipped by the world because of his amazing musical talent.
His financial fortune had its ups and downs, but we were reminded that he was listed in the Guinness Book of Records as the entertainer who contributed to the most number of charities.
It is good that he gave away money while he was still alive because like all of us, he certainly cannot take away even a single cent upon death.
For most of us, the memory of Michael will not last forever. Only his immediate family and truly close friends will feel the pain of loss for a longer time.
For Manchester United fans, Ronaldo will soon be a fading icon now that he has kissed the No. 9 Real Madrid shirt, as Pele puts it.
So whether you earn 13 million euros like Ronaldo or RM600 as an Indonesian maid, the reality of life and death is still the same. |
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to all
cuba dptkan theedge minggu ni..
banyak cerita pasal mkt dan outlook
very good info.. |
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2633# cmf_LAT
thanks Chef Lat, nanti ambo dapatkan |
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Boss, training ada tak ari ni? Ke nak gi Manek Urai ari ni |
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Ada la abe tam oii... jgn lupa dtg tau |
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Is your EPF money enough for retirement?
Personal Investment - A column by Ooi Kok Hwa
A look at whether a retiree can survive after losing monthly income and with only EPF savings to rely on
SOME studies conducted in Malaysia have shown that most retirees spend all their EPF money within three years of their retirement. Given that the average lifespan for a Malaysian is 75 years, if we retire at 55 and spend all our EPF money within three years, a lot of us will be wondering how to survive from 58 to 75.
The most worrying question that most of us will be asking is how to survive retirement when we lose our steady stream of monthly income to cover our daily expenses.
However, if we have been building an investment portfolio apart from EPF money, we would not be able to generate a source of returns from our own investment portfolio.
In reality, a lot of us have been spending most of our savings, including part of our EPF savings on our children’s education and clearing debts on house and car purchases, which leave us with not much savings for our retirement.
With this general concern in mind, let’s look into how much of our EPF money we can afford to spend to have enough for our retirement based on the our local conditions and some assumptions.
Generally, an average Malaysian starts working at 25 and reaches retirement at 55 (after 30 years of working), thereafter living the remaining 20 years (until 75) relying on the EPF savings.
We will assume a starting pay of RM1,500, growing at the rate of 8% per annum; an average bonus of two months per annum, average EPF returns of 5%, total EPF contribution of 23% (employer: 12%, employee: 11%) and inflation rate of 3%.
Our main objective is to test how much EPF money we can spend until we use it all up.
Our analysis shows that if we are able to live with just one-third (or 33%) of our last drawn salary, the EPF money should be able to support us for 20 years until we pass away at 75.
From the example below, if a person’s last drawn salary is RM13,976 at 55, he can only afford to spend one-third or RM4,612 per month after retirement (1/3 x RM13,976).
However, if his spending exceeds the one-third level, such as 50% or the full amount of his last drawn salary, his EPF money can only last 12 or five years respectively.
Even though our computations are based on a lot of assumptions and hypothetical scenarios, our objective is to bring to your attention that we need to be careful in spending our EPF money and control our expenses once we retire.
We will need to adjust our lifestyle after our retirement, especially for those of us that are used to spending most of our take-home pay when we are still working.
Once we lose the regular income source and are relying just on the savings, we will need to plan carefully in order not to out-live our savings. In this example, we can only afford to spend 33% of our last salary after retirement!
Everyone has different financial situations. However, we need to plan for our retirement. If possible, we need to build our own investment portfolio apart from the EPF savings. We may need to seek some part-time jobs after retirement if our financial resources do not permit us to stop working. Besides, we need to clear all our outstanding debts before retirement.
We also need to buy enough life and medical insurance for ourselves as well as set up education funds for our children.
Last but not least, one important point to note is that our computation is based on the assumption that we are still able to generate 5% returns after retirement.
Unless we have the skills and knowledge to generate the returns, putting the money back in EPF and letting EPF generate returns may be a good option. For the average person, we feel that it is not easy to generate 5% returns annually over a long period of time.
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Jel sejak balik korea jadi tauke kain ni diam je.,...
tak kena H1N1 ke jel... |
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2636# edypublicmutual
yo lah bro Edi, kawe datang semalam...mana demo larik?
Kawe, Boss, Tauke pekena capati dan tossey...kurangkan makanan berminyak, hehehe |
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Category: Belia & Informasi
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Post time 8-7-2009 01:12 AM
Author
