以下是个人意见，只供参考。
续之前所提及的财务管理包含收入和支出两种，就讲下收入吧。
收入就是你用劳力与非劳力所赚取得钱。
劳力指的是我们用血用汗（皮肉钱）赚到的，包括正业，副业，创业，老板等工作。
非劳力指的是我们不需要用血汗赚到的， 包括投资，万字，乐透，大彩，赌博，骗人钱财，祖上遗产等。
好啦，太多咚咚了。。。慢慢讲解咯。。。
每个出社会的人士，如果不是家财万贯，就会需要工作或创业。
工作薪金多寡是以不同性质，岗位，学历， 地区， 公司大小定的。
现今社会，学士的人一大批，工作岗位也不多，想成高薪族也许要有突出的表现如social skill （书上学不了的）.
大多数fresh graduate在大城市都会有最低薪金2k, “这里大家会问，我一个人薪金2k够活吗？”
如果你觉得太少了不够用活不了， 对不起我可以跟你说，绝对够用。你活不了，哪薪金比我们底的大有人在，还得养家糊口呢。
调整自己的心态， 不要想着赚的少，而是要想赚到应该怎样分配它的用处， 有机会在找好薪水的去处（换工作）呆。
如果是学历不高的，只要肯努力的， 薪金不比他人低。
创业，万事起头难，只要抱着不气馁的态度，认真做事，创业不难。
觉得钱不够，就的找些副业如直销公司（例：amway），sapu 车, 保险。。。
以上都是要每天花一定的时间和精力才会有一定的回报的。
2013年6月20日星期四
2013年6月2日星期日
为何需要学习财务管理？
以下是个人意见，只供参考。
为何需要学习财务管理？
从小学到大学在到工作， 我们到底可以学习到多少财务管理？ 在学校，除了修商科的学生，到底有多少人可以学习到多少关于财务管理的知识？ 我想，计算我们族群的人数应该不过20%。 为什么呢？
大部分家庭比较充裕的，父母都不会让孩子们受苦，为钱烦恼，导致一些孩子们只懂得享受，不知道如何分析和权衡物质的重要性。例如：重复更换新款的东西如手表，电话，电脑，衣服等东西。买那些东西已经不是因为其基本的功能，而是新款，显示气派。久而久之，变成了习惯。其实，有些东西如智能手机，买一部就够了，何必在买其它的新款，手机基本功能是打电话，实用就好，何必贪图美观。大部分父母没有教导孩子们储蓄的习惯，或许自身也没什么懂得财务管理。父母没储蓄习惯。 自己没有醒觉财务管理的重要性。
我认为财务管理包含收入和支出两种。收入方面除了薪金，还包括副业，储蓄，投资等。支出方面就是要知道如何决定该与不该的花费。
好比你赚到很多收入可是却花费无度，到头来钱也没剩多少。小心支出又没增加收入，到头来也是储蓄不了多少钱。所以，最好要双管齐下，才会得到理所当然的酬劳。
人们现下最意识不到的是原来自己是穷人，还觉得自己不是穷人。穷人定义是，你的负债累计约多，代表你越穷。
如果是没负债，三餐温饱，没储蓄，月光族，哪也不算穷人。为什么？
如果有一天，不小心丢了工作，没负债的人，不用担心银行催债，有负债的人，担心还不起眼前的债务。
最后，如果我们现在是穷人，我们也要当个精明的穷人。“千金难买早知道”，凡事三思而行，拥有完善的财务管理计划，才可避免自己变成永远的“穷人”。
买房屋过程 - 第一次买房屋的看个大略吧
[第一次买房屋的看个大略]
首先, 确认自己拥有25%-30%(房屋的价钱)的钱, 就不用担心银行借不够钱.
第二, 事先到随便一家银行问下本身可以借贷多少，还需要什么文件申请借贷, 0-10k, 10k-200k,300k等都有不同的-BLR率。
自己知道大概 自己能负担的 房屋价钱 定限， 在仔细寻找适合自己条件的房屋。
我通常会考量 地点环境是否安全（尤其是晚上街灯明亮吗）， 如果实aprt, condo就考量maintenancefees 和 parking问题， 附近公共交通 （我没代步工具，在KL上班的话最好有rapid到附近lrt), 房屋格局 （我比较喜欢有楼台的）， 如果实aprt, condo我会选择比较低的层（因为电梯坏了不用爬高梯，有事故也可以跑快点。[最后，也是最重要的， 邻居千万不要是外劳（你知道的）]《=自己住的。
*确保不是bumilot / reserve land
到确定要买时，不用太心急给deposit (通常seller是agent代表), 可以自己到任何一间律师楼[有写solicxxxxx assoxxxxxx就可以] 询问(不要说自己已经找到了房屋, 只说想买大概价值房屋, 想知道收费)的收费和如何处理过程(多跑几间问, 可能有以外收获).
也可以试问下律师楼有那间银行可以介绍， blr率良好的。 律师楼有合作的银行会比较好些 （那么loan也可以用同样律师楼）。
叫owner(通常seller是agent代表)， 到律师楼j缴付定金10%， 先付3%定金，（签snp时才付7%定金+settlement left (如果借贷不够90%，需要补上余数）。会拿到letter (申请借贷用的）。吩咐律师楼查地契，地税等
在去找bank申请借贷（代文件去）[可以到多过一家bank申请loan]。如果不计较blr的，1-2星期就会批；如果计较blr的，要求尝试下申请叫好的blr, 要等HQ批大概 3-4星期。 就会通知拿offer letter. 看借多少钱。
签snp时才付2%+settlement left (如果借贷不够90%，需要补上余数）+lum sum。
还有签一堆文件。
bank会通知你在给律师楼， 律师楼拿到loan就给owner，房屋暂时是你的了，记得换锁 。
记得拿snp（副本）去lembagahasilnegeri去改cukai pintu的拥有人名字， 水电名字等。。。
转名freehold要等3-6个月, leasehold 6-9个月。
到时候房屋地契就是你的了。（吩咐firm copy给你， 正本会给bank收，还清借贷才拿回， 不然期间跟bank要副本需要给钱）
不知道有遗漏什么。。。
，自己到时候填补填补。
首先, 确认自己拥有25%-30%(房屋的价钱)的钱, 就不用担心银行借不够钱.
第二, 事先到随便一家银行问下本身可以借贷多少，还需要什么文件申请借贷, 0-10k, 10k-200k,300k等都有不同的-BLR率。
自己知道大概 自己能负担的 房屋价钱 定限， 在仔细寻找适合自己条件的房屋。
我通常会考量 地点环境是否安全（尤其是晚上街灯明亮吗）， 如果实aprt, condo就考量maintenancefees 和 parking问题， 附近公共交通 （我没代步工具，在KL上班的话最好有rapid到附近lrt), 房屋格局 （我比较喜欢有楼台的）， 如果实aprt, condo我会选择比较低的层（因为电梯坏了不用爬高梯，有事故也可以跑快点。[最后，也是最重要的， 邻居千万不要是外劳（你知道的）]《=自己住的。
*确保不是bumilot / reserve land
到确定要买时，不用太心急给deposit (通常seller是agent代表), 可以自己到任何一间律师楼[有写solicxxxxx assoxxxxxx就可以] 询问(不要说自己已经找到了房屋, 只说想买大概价值房屋, 想知道收费)的收费和如何处理过程(多跑几间问, 可能有以外收获).
也可以试问下律师楼有那间银行可以介绍， blr率良好的。 律师楼有合作的银行会比较好些 （那么loan也可以用同样律师楼）。
叫owner(通常seller是agent代表)， 到律师楼j缴付定金10%， 先付3%定金，（签snp时才付7%定金+settlement left (如果借贷不够90%，需要补上余数）。会拿到letter (申请借贷用的）。吩咐律师楼查地契，地税等
在去找bank申请借贷（代文件去）[可以到多过一家bank申请loan]。如果不计较blr的，1-2星期就会批；如果计较blr的，要求尝试下申请叫好的blr, 要等HQ批大概 3-4星期。 就会通知拿offer letter. 看借多少钱。
签snp时才付2%+settlement left (如果借贷不够90%，需要补上余数）+lum sum。
还有签一堆文件。
bank会通知你在给律师楼， 律师楼拿到loan就给owner，房屋暂时是你的了，记得换锁 。
记得拿snp（副本）去lembagahasilnegeri去改cukai pintu的拥有人名字， 水电名字等。。。
转名freehold要等3-6个月, leasehold 6-9个月。
到时候房屋地契就是你的了。（吩咐firm copy给你， 正本会给bank收，还清借贷才拿回， 不然期间跟bank要副本需要给钱）
不知道有遗漏什么。。。
，自己到时候填补填补。
比较各股票行的“水费” （brokerage fee)表
比较各股票行的“水费” （brokerage fee)表 **[可能数据有所变动,请以股票行的资讯为准]
| Broker | Brokerage Fee | Platform | Buy Limit | Deposit Method | Note |
| Affin Trade | Java (N2N Connect) Mobile Platform | 1x | Ebanking: Affin Bank, CIMB, Maybank. | Paid interest on your balance | |
| AmeSecurities | Java (N2N Connect) Mobile Platform | 2x | eDeposit/eSettlement using Ambank | ||
| APEXeTrade | Java (N2N Connect) Mobile Platform | 1x | Ebanking: Public Bank, Hong Leong, CIMBclick, Maybank2u | Paid interest on your balance | |
| CIMB i*trade | RM 28 or 0.42% Intraday: RM 28 or 0.15% | Java (N2N Connect) Mobile Platform | 3x | Ebanking: CIMB, Hong Leong Bank, Maybank2u, Public eBanking | Require an ebanking acc before apply |
| CIMB ClickTrader | RM 8.88 or 0.0388% (balance require=RM10k) | Java (N2N Connect) | 1x | Require RM10k to open trading acc | |
| ECM Libra | ActiveX (Excel Force) | 1x | CIMBClick (ebanking) | Paid interest on your balance | |
| HLeBroking | RM 8 or 0.1% (require cash) | ActiveX (Excel Force) Mobile Platform | 1x | Ebanking: Hong Leong, Maybank2u | Visit their site for updated info, they are only broker keep decreasing the rate |
| HWangDBS | Java | 2x | Ebanking: Public Bank,Maybank2u, Standard Chartered | Negotiated with the buy limit up to 5x | |
| Jupiter Securities | ActiveX (Excel Force) Mobile Platform | 2x | Cash deposit only: EON Bank, Maybank, RHB, HSBC, CIMB, Publick Bank | Lowest rate as no outlet, open acc at HQ. Bursa will mail you directly, with CDS acc. Stock scanning feature: Filter out stock using fundamental indicator. | |
| Kenanga | Java (N2N Connect) Mobile Platform | 1x | Cash deposit only: Chartered Bank , Maybank, HSBC, CIMB, Publick Bank. | ||
| Maybank Invest | Flat Rate: RM 12 or 0.42% RM 8 or 0.1% (cash) | ActiveX(Upgrate Soon) Mobile Platform | 3x | Maybank2u, or maybank cash deposit | 0.1% rate is 3 month continouos campaign base on product respond. No CDS acc available. |
| OSK | Java | 2x | Payment by cheque or direct bank in to branch account or ebanking (below RM5k) | Used by most trader as their best service, report, outlet coverage and software, expensive rate but worth. Provide CDS acc. | |
| Public Invest | Flat Rate: RM 12 or 0.42% | ActiveX (Excel Force) Mobile Platform | 1x | Direct bank in via Maybank or Public Bank. | |
| RHB Invest | Flat Rate: RM 12 or 0.42% | ActiveX (Excel Force) Mobile Platform | 1x | RHB now (mobile and ebanking) | Webbase RHBAnalyzer: Stock Screen using TA indicator |
| SJ Securities | Java (N2N Connect) | 2x | Maybank2u: Bank in to Maybank or CIMB. | ||
| TA Online | Negotiated, different from each dealer | Java (N2N Connect) | 1x | Maybank2u ebanking |
2010年8月4日星期三
Prices for StockQuest ecmmoney.com
http://210.19.197.146/trading/LandingPage.html
The game period will be 20 September 2010 - 22 October 2010. In the mean time , there will be exciting upcoming activities in store.
Final Prices
1st Prize : RM 10,000
2nd Prize : RM 5,000
3rd Prize : RM 3,000
4th - 6th Prize : RM 800
Weekly Price
1st Week : RM 200
2nd Week : RM 200
3rd Week : RM 200
4th Week : RM 200
To know more, call 03 - 2035 5977
The game period will be 20 September 2010 - 22 October 2010. In the mean time , there will be exciting upcoming activities in store.
Final Prices
1st Prize : RM 10,000
2nd Prize : RM 5,000
3rd Prize : RM 3,000
4th - 6th Prize : RM 800
Weekly Price
1st Week : RM 200
2nd Week : RM 200
3rd Week : RM 200
4th Week : RM 200
To know more, call 03 - 2035 5977
Rule & Regulation for StockQuest ECMMoney
http://210.19.197.146/trading/Registration.jsp
1.Acknowledgement
By registering for the StockQuest@ecmmoney.com (the "Game") and by checking the "I have read and agree to the rules of StockQuest@ecmmoney.com" box on the registration page, you ("you" or "Player") acknowledge that you have read these official rules (the "Game Rules"), understand them and agree to be bound by all of the terms and conditions and any amendments to the Game Rules.
By registering for the Game, you agree to receive Game updates in the form of emails throughout the Game Term (as defined below). You also agree to receive any other material disseminated by ecmmoney.com.
2. Eligibility
To be eligible to win in this Game, you must be either a Malaysian with a valid IC or; a non-Malaysian with a valid visa to reside in Malaysia. You must also be at least 21 years old at the time of registration and of sound mind.
3. Mandatory Registration Fields
The fields as specified below are mandatory to be completed in order to be eligible to win.
* First Name
* Last Name
* Mobile No.
* House Address.
* I.C No./ Passport No.
* Email Address
* Current Address
By completing and submitting a registration form, the Player hereby agrees that any and all information that is supplied in the registration process is current, truthful and complete. In the event that any such information is not current, truthful or complete, the Player may be disqualified from the Game and from any winnings. ecmmoney.com reserves the right to reject any applicants for any reason it deems fit without providing any reasons to the Player.
The last date for registration is 19 September 2010. Any Player who registers after 19 September 2010 will not be eligible for winning any prizes. ecmmoney.com reserves the right to post any and all of the Player’s portfolios on the Site. As a condition of eligibility to play, each Player must provide any personal information necessary to be disclosed in marketing material and permit such information to be published in any marketing items.
4. Game Description
The Game is a simulated stock trading game based on Bursa Malaysia stock market activities. Players are provided with a virtual trading account, RM100,000 virtual game money and the virtual ability to trade individual stocks in the Game.
5. Game Duration
The Game will begin on 20 September 2010 at 9.00am and end on 22 October 2010 at 5.30pm.
6. Technical Aspects
6.1. Minimum Hardware Required:
(a) Pentium 500Mhz (Recommended 1Ghz or above)
(b) 128MB RAM (Recommended 256MB or above)
6.2. OS and Web Browsers:
(a) Mac, Windows, Linux
(b) Internet Explorer 7 or above or Mozilla Firefox
(c) Java 1.6 or above
7. Software Malfunction
ChartNexus (the software provider) with the agreement of ecmmoney.com may delete, edit or restore any orders that are affected by a software malfunction without prior notice to Players.
8. Trading in StockQuest@ecmmoney.com
8.1. General Info:
(a) Players will have to log in before being able to play. Each player shall register a unique userID
(b) Players may trade only stocks as per the game stock list decided by ecmmoney.com
(c) All trades are subjected to a brokerage fee of 0.08% or RM12.00, whichever is higher.
(d) All trades of the same counter are amalgamated at the end of the trading day and the brokerage fee set on the overall trade size of that counter
(e) All non-executed orders shall expire at 5.00pm every day
(f) All orders placed after 5.00pm shall be queued for the following trading day
(g) The Game quotes shall reflect the quotes in the real market
(h) A player may cancel his order or partially-executed order at any time
(i) Once order is cancelled, the buying limit is raised back accordingly
8.2 Buy Order:
(a) A player placing a buy Game order at the buy queue will have his Game order transacted only when transactions in the real market occur at that price.
(b) The buy order is considered to be completely fulfilled only when the amount of shares queued in the Game has been transacted in the real market at that price.
(c) A player placing a buy order at the sell queue shall have his order fulfilled immediately
(d) In the event that all the shares at the buy queue in the real market are cleared, then the order will be considered to be fulfilled even though the amount of shares placed in the Game order has not been fully transacted in the real market.
(e) Once a player places an order, his buying limit available to place another order is the Cash capital minus the order amount. Hence the summation of all orders shall be less or equal to the Cash capital. Order amount herein includes the brokerage fee
(f) A Player will not be allowed to place an order whose amount is more than the buying limit
(g) Once a buy order is executed, the shares will be immediately added to the portfolio
(h) Once a buy order is executed, the order amount (including the addition of the brokerage fee) is reduced from Cash capital
8.3 Sell Order:
(a) A player placing a sell Game order at the sell queue will have his Game order transacted only when transactions in the real market occurs at that price.
(b) The sell order is considered to be completely fulfilled only when the amount of shares queued in the Game has been transacted in the real market at that price.
(c) A player placing a sell order at the buy queue shall have his order fulfilled immediately
(d) In the event that all the shares at the sell queue in the real market are cleared, then the order will be considered to be fulfilled even though the amount of shares placed in the Game order has not been fully transacted in the real market.
(e) Once a sell order is executed, the shares will be immediately removed from the portfolio.
(f) A player may only sell shares that he has in the portfolio
(g) Once a sell order is executed, the order amount (which includes the deduction of the brokerage fee) is added to the Cash capital
9. Waiver, Indemnity and Disqualification
By entering the Game, Players agree to waive any right to claim for any ambiguity or error in these Game Rules ("Rules"), or the Game itself, and agree to be bound by these Rules and by all decisions of ecmmoney.com, which are binding and final.
The Player acknowledges that while ChartNexus (the software provider) shall strive to ensure that the software does not have any errors or bugs, such error and bugs may arise. In the event of such occurrences, the Players shall keep ChartNexus and ecmmoney.com harmless from any claim, loss, cost, expense or liability of any kind.
Failure to comply with these rules may result in disqualification from this Game. In the event of any unanticipated occurrence that was not fully addressed by the Rules, ecmmoney.com may modify the Rules to address such occurrence. Any changes to the Rules will be posted on the Site or via Email.
ecmmoney.com reserves the right to prevent access by any Player who acts irresponsibly or inappropriately in playing the Game.
Although all trading in the Game is fictional, Players are expected to engage in trading activity that fully complies with all trading securities laws.
ecmmoney.com reserves the right to terminate Game participation by any Players suspected of cheating, attempting to exploit the Game or other inappropriate behavior. All such action will be determined by ecmmoney.com in its sole discretion.
10. Selection of Winners
Final winners are selected based on Players that have the highest portfolio value in ranking.-
In the event that there is more than 1 Player with the same highest portfolio value, the Players will then be awarded with 1/n of the prize money. Weekly winners are selected based on largest portfolio gain on a week to week basis.
The decision and declaration of the winner by ecmmoney.com is final and no queries or appeal will be entertained.
11. Inadmissible Players
a) Staff of ECM Libra Investment Bank and ChartNexus Sdn Bhd are prohibited to participate in StockQuest@ecmmoney.com
b) License holders of Suruhanjaya Sekuriti are prohibited to participate in StockQuest@ecmmoney.com
c) Employees of Partipating Organisations are prohibited to participate in StockQuest@ecmmoney.com
12. Eligibility of Winners
a) Winner of cash prizes of StockQuest@ecmmoney.com must be an ecmmoney.com client. Existing clients of ECM Libra may participate in StockQuest@ecmmoney.com
b) Participants of StockQuest@ecmmoney.com must successfully open an account with ecmmoney.com prior to the start of StockQuest@ecmmoney.com on 20 September 2010
1.Acknowledgement
By registering for the StockQuest@ecmmoney.com (the "Game") and by checking the "I have read and agree to the rules of StockQuest@ecmmoney.com" box on the registration page, you ("you" or "Player") acknowledge that you have read these official rules (the "Game Rules"), understand them and agree to be bound by all of the terms and conditions and any amendments to the Game Rules.
By registering for the Game, you agree to receive Game updates in the form of emails throughout the Game Term (as defined below). You also agree to receive any other material disseminated by ecmmoney.com.
2. Eligibility
To be eligible to win in this Game, you must be either a Malaysian with a valid IC or; a non-Malaysian with a valid visa to reside in Malaysia. You must also be at least 21 years old at the time of registration and of sound mind.
3. Mandatory Registration Fields
The fields as specified below are mandatory to be completed in order to be eligible to win.
* First Name
* Last Name
* Mobile No.
* House Address.
* I.C No./ Passport No.
* Email Address
* Current Address
By completing and submitting a registration form, the Player hereby agrees that any and all information that is supplied in the registration process is current, truthful and complete. In the event that any such information is not current, truthful or complete, the Player may be disqualified from the Game and from any winnings. ecmmoney.com reserves the right to reject any applicants for any reason it deems fit without providing any reasons to the Player.
The last date for registration is 19 September 2010. Any Player who registers after 19 September 2010 will not be eligible for winning any prizes. ecmmoney.com reserves the right to post any and all of the Player’s portfolios on the Site. As a condition of eligibility to play, each Player must provide any personal information necessary to be disclosed in marketing material and permit such information to be published in any marketing items.
4. Game Description
The Game is a simulated stock trading game based on Bursa Malaysia stock market activities. Players are provided with a virtual trading account, RM100,000 virtual game money and the virtual ability to trade individual stocks in the Game.
5. Game Duration
The Game will begin on 20 September 2010 at 9.00am and end on 22 October 2010 at 5.30pm.
6. Technical Aspects
6.1. Minimum Hardware Required:
(a) Pentium 500Mhz (Recommended 1Ghz or above)
(b) 128MB RAM (Recommended 256MB or above)
6.2. OS and Web Browsers:
(a) Mac, Windows, Linux
(b) Internet Explorer 7 or above or Mozilla Firefox
(c) Java 1.6 or above
7. Software Malfunction
ChartNexus (the software provider) with the agreement of ecmmoney.com may delete, edit or restore any orders that are affected by a software malfunction without prior notice to Players.
8. Trading in StockQuest@ecmmoney.com
8.1. General Info:
(a) Players will have to log in before being able to play. Each player shall register a unique userID
(b) Players may trade only stocks as per the game stock list decided by ecmmoney.com
(c) All trades are subjected to a brokerage fee of 0.08% or RM12.00, whichever is higher.
(d) All trades of the same counter are amalgamated at the end of the trading day and the brokerage fee set on the overall trade size of that counter
(e) All non-executed orders shall expire at 5.00pm every day
(f) All orders placed after 5.00pm shall be queued for the following trading day
(g) The Game quotes shall reflect the quotes in the real market
(h) A player may cancel his order or partially-executed order at any time
(i) Once order is cancelled, the buying limit is raised back accordingly
8.2 Buy Order:
(a) A player placing a buy Game order at the buy queue will have his Game order transacted only when transactions in the real market occur at that price.
(b) The buy order is considered to be completely fulfilled only when the amount of shares queued in the Game has been transacted in the real market at that price.
(c) A player placing a buy order at the sell queue shall have his order fulfilled immediately
(d) In the event that all the shares at the buy queue in the real market are cleared, then the order will be considered to be fulfilled even though the amount of shares placed in the Game order has not been fully transacted in the real market.
(e) Once a player places an order, his buying limit available to place another order is the Cash capital minus the order amount. Hence the summation of all orders shall be less or equal to the Cash capital. Order amount herein includes the brokerage fee
(f) A Player will not be allowed to place an order whose amount is more than the buying limit
(g) Once a buy order is executed, the shares will be immediately added to the portfolio
(h) Once a buy order is executed, the order amount (including the addition of the brokerage fee) is reduced from Cash capital
8.3 Sell Order:
(a) A player placing a sell Game order at the sell queue will have his Game order transacted only when transactions in the real market occurs at that price.
(b) The sell order is considered to be completely fulfilled only when the amount of shares queued in the Game has been transacted in the real market at that price.
(c) A player placing a sell order at the buy queue shall have his order fulfilled immediately
(d) In the event that all the shares at the sell queue in the real market are cleared, then the order will be considered to be fulfilled even though the amount of shares placed in the Game order has not been fully transacted in the real market.
(e) Once a sell order is executed, the shares will be immediately removed from the portfolio.
(f) A player may only sell shares that he has in the portfolio
(g) Once a sell order is executed, the order amount (which includes the deduction of the brokerage fee) is added to the Cash capital
9. Waiver, Indemnity and Disqualification
By entering the Game, Players agree to waive any right to claim for any ambiguity or error in these Game Rules ("Rules"), or the Game itself, and agree to be bound by these Rules and by all decisions of ecmmoney.com, which are binding and final.
The Player acknowledges that while ChartNexus (the software provider) shall strive to ensure that the software does not have any errors or bugs, such error and bugs may arise. In the event of such occurrences, the Players shall keep ChartNexus and ecmmoney.com harmless from any claim, loss, cost, expense or liability of any kind.
Failure to comply with these rules may result in disqualification from this Game. In the event of any unanticipated occurrence that was not fully addressed by the Rules, ecmmoney.com may modify the Rules to address such occurrence. Any changes to the Rules will be posted on the Site or via Email.
ecmmoney.com reserves the right to prevent access by any Player who acts irresponsibly or inappropriately in playing the Game.
Although all trading in the Game is fictional, Players are expected to engage in trading activity that fully complies with all trading securities laws.
ecmmoney.com reserves the right to terminate Game participation by any Players suspected of cheating, attempting to exploit the Game or other inappropriate behavior. All such action will be determined by ecmmoney.com in its sole discretion.
10. Selection of Winners
Final winners are selected based on Players that have the highest portfolio value in ranking.-
In the event that there is more than 1 Player with the same highest portfolio value, the Players will then be awarded with 1/n of the prize money. Weekly winners are selected based on largest portfolio gain on a week to week basis.
The decision and declaration of the winner by ecmmoney.com is final and no queries or appeal will be entertained.
11. Inadmissible Players
a) Staff of ECM Libra Investment Bank and ChartNexus Sdn Bhd are prohibited to participate in StockQuest@ecmmoney.com
b) License holders of Suruhanjaya Sekuriti are prohibited to participate in StockQuest@ecmmoney.com
c) Employees of Partipating Organisations are prohibited to participate in StockQuest@ecmmoney.com
12. Eligibility of Winners
a) Winner of cash prizes of StockQuest@ecmmoney.com must be an ecmmoney.com client. Existing clients of ECM Libra may participate in StockQuest@ecmmoney.com
b) Participants of StockQuest@ecmmoney.com must successfully open an account with ecmmoney.com prior to the start of StockQuest@ecmmoney.com on 20 September 2010
2010年8月1日星期日
Rule & Regulation for OSK Investment Challenge Game
http://www.oskic.com/play/play.aspx
Game Rules
1. OSKIC will be conducted from 16th August 2010 to 1st October 2010 which is over 33 market days.
2. You will be given a virtual capital of RM100,000 to begin in this game upon signing up.
3. You can only trade up to the value of the virtual money you have on hand.
4. You will receive a default trading pin (oskic1) upon signing up. This pin cannot be reset and will be needed throughout the game for trading.
5. Trading will ONLY involve all NORMAL local stocks on BURSA MALAYSIA (i.e. ONLY Number coded stocks)
6. The game will follow BURSA MALAYSIA’S official Trading Hours.
Trading will only be available from Monday to Friday, except on public holidays.
Trading Phases Time
Pre-Opening 8.30am
Opening and Continuous Trading 9.00am
Closing 12.30pm
Lunch
Pre-Opening 2.00pm
Opening and Continuous Trading 2.30pm
Pre-Closing 4.45pm
Trading at Last 4.50pm
Closing 5.00pm
7. The gaming portal will be closed from 5.00pm to 9.00pm every evening for maintenance purposes. No orders nor transactions can be made within this time frame.
8. Trades will only be carried out in board lots. No odd lots.
9. Short selling not allowed.
10. Step by step guide on How to make a trade.
11. You can make changes to your order provided it is still floating in the market. Once your order has been matched, no changes will then be applicable.
12. A brokerage fee of 0.42% will be charged for every single transaction.
13. You can monitor all your trade history in the "Game Portfolio", the details are as follows:
a. Name
b. Quantity
c. Average price
d. Market value
e. Profit/loss
f. Last price
g. Stop loss
h. Take profit
14. With the calculator provided, you will be able to calculate break-evens, profits or losses and contracts for all your investments from your portfolio.
15. A chart for technical analysis is also provided in the gaming portal.
16. The grand prize winner will be the contestant with the highest ABSOLUTE TOTAL PORTFOLIO VALUE at the conclusion of the game.
17. The (weekly) winner will be the contestant with the highest ABSOLUTE PORTFOLIO GAIN FOR THE WEEK. There will be 2 winners for each week.
18. If the contestant has just signed up for the game after the week has begun, his beginning portfolio value for the week will be RM100,000 (virtual money)
19. No one person is allowed to win a weekly prize twice. If the same person repeatedly tops the scoreboard, the weekly prize will be given to the next person in standing with the highest ABSOLUTE PORTFOLIO GAIN FOR THE WEEK.
20. Only corporate exercises which are significant will be accounted for in this game. The decision to include or omit any corporate exercise will be determined by the organizers from OSKIB. Decisions of the organizing team from OSKIB will be final.
Game Rules
1. OSKIC will be conducted from 16th August 2010 to 1st October 2010 which is over 33 market days.
2. You will be given a virtual capital of RM100,000 to begin in this game upon signing up.
3. You can only trade up to the value of the virtual money you have on hand.
4. You will receive a default trading pin (oskic1) upon signing up. This pin cannot be reset and will be needed throughout the game for trading.
5. Trading will ONLY involve all NORMAL local stocks on BURSA MALAYSIA (i.e. ONLY Number coded stocks)
6. The game will follow BURSA MALAYSIA’S official Trading Hours.
Trading will only be available from Monday to Friday, except on public holidays.
Trading Phases Time
Pre-Opening 8.30am
Opening and Continuous Trading 9.00am
Closing 12.30pm
Lunch
Pre-Opening 2.00pm
Opening and Continuous Trading 2.30pm
Pre-Closing 4.45pm
Trading at Last 4.50pm
Closing 5.00pm
7. The gaming portal will be closed from 5.00pm to 9.00pm every evening for maintenance purposes. No orders nor transactions can be made within this time frame.
8. Trades will only be carried out in board lots. No odd lots.
9. Short selling not allowed.
10. Step by step guide on How to make a trade.
11. You can make changes to your order provided it is still floating in the market. Once your order has been matched, no changes will then be applicable.
12. A brokerage fee of 0.42% will be charged for every single transaction.
13. You can monitor all your trade history in the "Game Portfolio", the details are as follows:
a. Name
b. Quantity
c. Average price
d. Market value
e. Profit/loss
f. Last price
g. Stop loss
h. Take profit
14. With the calculator provided, you will be able to calculate break-evens, profits or losses and contracts for all your investments from your portfolio.
15. A chart for technical analysis is also provided in the gaming portal.
16. The grand prize winner will be the contestant with the highest ABSOLUTE TOTAL PORTFOLIO VALUE at the conclusion of the game.
17. The (weekly) winner will be the contestant with the highest ABSOLUTE PORTFOLIO GAIN FOR THE WEEK. There will be 2 winners for each week.
18. If the contestant has just signed up for the game after the week has begun, his beginning portfolio value for the week will be RM100,000 (virtual money)
19. No one person is allowed to win a weekly prize twice. If the same person repeatedly tops the scoreboard, the weekly prize will be given to the next person in standing with the highest ABSOLUTE PORTFOLIO GAIN FOR THE WEEK.
20. Only corporate exercises which are significant will be accounted for in this game. The decision to include or omit any corporate exercise will be determined by the organizers from OSKIB. Decisions of the organizing team from OSKIB will be final.
Price for OSK Investment Challenge (Campus Edition)
Website: http://www.oskic.com/
Grand price
How It Works
Invest smartly to top the list with the highest absolute total portfolio value. The progress of players will be monitored throughout and tabulated at the end of the competition to determine the top 3 winners with the highest portfolio value. All Grand Prize winners will be notified personally.
**Opened to Malaysian students only with valid student IDs from colleges and universities in Malaysia
What Do I Win?
The top 3 Grand Prizes include:
1st Prize - RM25,000
2nd Prize - RM10,000
3rd Prize - RM5,000
Weekly price
How It Works
You don’t have to wait till the end of the competition to win a prize because two (2) players will be declared winners every week. All you have to do is to make sure you lead with the highest absolute portfolio gain for the week. The 2 who come out tops by the end of each week during the competition period will win.
**Opened to Malaysian students only with valid student IDs from colleges and universities in Malaysia
What Do I Win
2 prizes to be won every week! The weekly contest prizes are:
2 x Acer Aspire One AOD260 Netbook (worth RM1,299 each)
Grand price
How It Works
Invest smartly to top the list with the highest absolute total portfolio value. The progress of players will be monitored throughout and tabulated at the end of the competition to determine the top 3 winners with the highest portfolio value. All Grand Prize winners will be notified personally.
**Opened to Malaysian students only with valid student IDs from colleges and universities in Malaysia
What Do I Win?
The top 3 Grand Prizes include:
1st Prize - RM25,000
2nd Prize - RM10,000
3rd Prize - RM5,000
Weekly price
How It Works
You don’t have to wait till the end of the competition to win a prize because two (2) players will be declared winners every week. All you have to do is to make sure you lead with the highest absolute portfolio gain for the week. The 2 who come out tops by the end of each week during the competition period will win.
**Opened to Malaysian students only with valid student IDs from colleges and universities in Malaysia
What Do I Win
2 prizes to be won every week! The weekly contest prizes are:
2 x Acer Aspire One AOD260 Netbook (worth RM1,299 each)
2010年7月28日星期三
最近做下一些股票的MACD(26, 12, 9), RSI 28/07/2010
最近做下一些股票的MACD(26, 12, 9), RSI 28/07/2010
MACD RSI
Zhulian 0.0010 54.40
NTPM (0.0020) 48.80
Halex 0.0060 61.60
Jaycorp 0.0050 46.80
Jaskita 0.0010 55.90
Mitra (0.0060) 51.40
Dialog 0.0020 64.10
CIHLDG 0.0040 68.90
Marco 0.0000 49.40
THPLANT 0.0050 65.6
Cscstel 0.0120 48.2
KPJ 0.0000 61.4
Pelikan 0.0120 67.5
Arreit 0.0010 51.7
Hektar 0.0000 52.4
Maybulk 0.0090 54.2
OSK 0.0000 45.6
MPHB 0.0030 48
Mahsing 0.0020 64
Haio 0.0120 39.8
Wellcal 0.0000 53
QL 0.0020 80.6
Axiata 0.0010 71.2
Maxis 0.0010 53.5
MACD(26, 12, 9)以黄金交叉为指标， 判断是否是买（MACD 负，从最大负数开始好转)， 待买(从交叉开始到最大负数）， 卖（MACD 正，从最大正数开始转坏)， 待卖(从交叉开始到最大正数）。觉得只适合漂浮较大的MACD. 指标只是提示， 只是用来供参考， 不一定是正确的.
买: NTPM
待买: Mitra, KPJ, ARREIT, Hektar, OSK
卖: Halex, Jaycorp, Jaskita, THPlant, Cscstel, Pelikan, Maybulk, Haio
待卖: Zhulian, Dialog, CIHLDG, Macro, Mahsing, Wellcal, QL, Axiata, Maxis
*资料可能回有错误， 如有， 希望提醒我更改.谢谢
（个人判断， 买卖自负)
MACD RSI
Zhulian 0.0010 54.40
NTPM (0.0020) 48.80
Halex 0.0060 61.60
Jaycorp 0.0050 46.80
Jaskita 0.0010 55.90
Mitra (0.0060) 51.40
Dialog 0.0020 64.10
CIHLDG 0.0040 68.90
Marco 0.0000 49.40
THPLANT 0.0050 65.6
Cscstel 0.0120 48.2
KPJ 0.0000 61.4
Pelikan 0.0120 67.5
Arreit 0.0010 51.7
Hektar 0.0000 52.4
Maybulk 0.0090 54.2
OSK 0.0000 45.6
MPHB 0.0030 48
Mahsing 0.0020 64
Haio 0.0120 39.8
Wellcal 0.0000 53
QL 0.0020 80.6
Axiata 0.0010 71.2
Maxis 0.0010 53.5
MACD(26, 12, 9)以黄金交叉为指标， 判断是否是买（MACD 负，从最大负数开始好转)， 待买(从交叉开始到最大负数）， 卖（MACD 正，从最大正数开始转坏)， 待卖(从交叉开始到最大正数）。觉得只适合漂浮较大的MACD. 指标只是提示， 只是用来供参考， 不一定是正确的.
买: NTPM
待买: Mitra, KPJ, ARREIT, Hektar, OSK
卖: Halex, Jaycorp, Jaskita, THPlant, Cscstel, Pelikan, Maybulk, Haio
待卖: Zhulian, Dialog, CIHLDG, Macro, Mahsing, Wellcal, QL, Axiata, Maxis
*资料可能回有错误， 如有， 希望提醒我更改.谢谢
（个人判断， 买卖自负)
2010年个人计划方案 (修改)
现今目标：希望有30%return就好了．
现今策略：80％持有divenden counter - 长远投资 （用投资unit trust方法进行）， 20% 短线投机．
选择 长远投资 公司
－－－－－－－－－
1. 基于它是长发股息／每一年至少有一次，
2. 它不超过ＲＭ５．００
3. 它底负债
4. 它拥有相当好的cash flow
5. 它一定是第一交易版的
6. 它倒闭机会很少
7. 它有一定的收入来源 / 产业
8. 多元化董事 ／不是家族公司（同姓持有是大股东 超过30%-40%）
9. ROE > (15% - 20%) 修改=> ROE > 10% (20% 更好)
10. DY > 5%
选择 投机 公司
－－－－－－－
1. 基于它是长发股息／每一年至少有一次，
2. 它不超过ＲＭ 1.00
3. 它有一定的收入来源 / 产业
4. DY > 2.5%
选择比较良好的股（有股息， 低负债）， 至少会减少亏损风险
我的cut gain price大约２０％profit， 只是给自己当一把尺
现今策略：80％持有divenden counter - 长远投资 （用投资unit trust方法进行）， 20% 短线投机．
选择 长远投资 公司
－－－－－－－－－
1. 基于它是长发股息／每一年至少有一次，
2. 它不超过ＲＭ５．００
3. 它底负债
4. 它拥有相当好的cash flow
5. 它一定是第一交易版的
6. 它倒闭机会很少
7. 它有一定的收入来源 / 产业
8. 多元化董事 ／不是家族公司（同姓持有是大股东 超过30%-40%）
9. ROE > (15% - 20%) 修改=> ROE > 10% (20% 更好)
10. DY > 5%
选择 投机 公司
－－－－－－－
1. 基于它是长发股息／每一年至少有一次，
2. 它不超过ＲＭ 1.00
3. 它有一定的收入来源 / 产业
4. DY > 2.5%
选择比较良好的股（有股息， 低负债）， 至少会减少亏损风险
我的cut gain price大约２０％profit， 只是给自己当一把尺
2010年7月20日星期二
Personal expectation for zhulian fye 2010 based on half quarter performance - statistical analyze
http://myasimo.blogspot.com/2010/07/what-i-respect-zhulian-after-bonus.html (old)
fye2009
EPS = 23.77
NTA = 0.9279
DPS = 12sen normal div (50.5% EPS), 2sen special div (8.5% EPS)
Total 14sen (59% EPS)
Cur Price = 2.60 before ex-date (1.95 after ex-date)
ROE = 25.61%
DY = 5.38%
PE = 10.94
After Bonus 3:1 (Share increase 33.33%)
fye2009
EPS = 17.82
NTA = 0.6959
DPS = 9 sen normal div, 1.5 sen special div
Total 10.5 sen
Cur Price = 1.95
ROE = 25.61%
DY = 5.38%
PE = 10.94
fye 2010 Quarter 1
EPS = 7.23
NTA = 0.9502
DPS = 3 sen
fye 2010 Half Quarter
EPS = 12.45 (After bonus: 9.3375 sen)
NTA = 0.9724 (After bonus: RM 0.7218)
DPS = 6 sen (Quarter 2 for 3 sen dividend include bonus issue, After bonus: 5.25 sen)
* Personal prediction, this is my own references, non-offcial data
Ext. fye 2010
Ext.EPS = 20.0 sen
Ext.DPS = 11.75 sen
Ext.NTA = 0.7635
Ext.ROE = 26.2%
Ext.PE = 10 - 12
Target Price = 2.000 - 2.400
Ext.DY = 5.8% - 4.9%
*EPS Q1 * EPS Q2 EPS Q3 EPS Q4 Target ToGo
5.42 3.91 0.00 0.00 10.67
*EPS Q3/2009 *EPS Q4/2009
5.17 5.36
*DPS Q1 DPS Q2 DPS Q3 DPS Q4 Target ToGo
2.25 3.00 0.00 0.00 6.50
*DPS Q3/2009 *DPS Q4/2009
2.25 3.75
*EPS =>figure recalculate with bonus issue
*DPS =>figure recalculate with bonus issue
fye2009
EPS = 23.77
NTA = 0.9279
DPS = 12sen normal div (50.5% EPS), 2sen special div (8.5% EPS)
Total 14sen (59% EPS)
Cur Price = 2.60 before ex-date (1.95 after ex-date)
ROE = 25.61%
DY = 5.38%
PE = 10.94
After Bonus 3:1 (Share increase 33.33%)
fye2009
EPS = 17.82
NTA = 0.6959
DPS = 9 sen normal div, 1.5 sen special div
Total 10.5 sen
Cur Price = 1.95
ROE = 25.61%
DY = 5.38%
PE = 10.94
fye 2010 Quarter 1
EPS = 7.23
NTA = 0.9502
DPS = 3 sen
fye 2010 Half Quarter
EPS = 12.45 (After bonus: 9.3375 sen)
NTA = 0.9724 (After bonus: RM 0.7218)
DPS = 6 sen (Quarter 2 for 3 sen dividend include bonus issue, After bonus: 5.25 sen)
* Personal prediction, this is my own references, non-offcial data
Ext. fye 2010
Ext.EPS = 20.0 sen
Ext.DPS = 11.75 sen
Ext.NTA = 0.7635
Ext.ROE = 26.2%
Ext.PE = 10 - 12
Target Price = 2.000 - 2.400
Ext.DY = 5.8% - 4.9%
*EPS Q1 * EPS Q2 EPS Q3 EPS Q4 Target ToGo
5.42 3.91 0.00 0.00 10.67
*EPS Q3/2009 *EPS Q4/2009
5.17 5.36
*DPS Q1 DPS Q2 DPS Q3 DPS Q4 Target ToGo
2.25 3.00 0.00 0.00 6.50
*DPS Q3/2009 *DPS Q4/2009
2.25 3.75
*EPS =>figure recalculate with bonus issue
*DPS =>figure recalculate with bonus issue
2010年7月13日星期二
What i respect zhulian after bonus share issue
fye2009
EPS = 23.77
NTA = 0.9279
DPS = 12sen normal div (50.5%EPS), 2sen special div (8.5%EPS)
Total 14sen (59% EPS)
Cur Price = 2.75
ROE = 25.61%
DY = 5.09%
PE = 11.57
After Bonus 3:1 (Share increase 33.33%)
fye2009
EPS = 17.82
NTA = 0.6959
DPS = 9 sen normal div, 1.5 sen special div
Total 10.5 sen
Cur Price = 2.060
ROE = 25.61%
DY = 5.09%
PE = 11.57
fye 2010 Quarter 1
EPS = 7.23 (After bonus: 5.42)
NTA = 0.9502 (After bonus: 0.7126)
DPS = 3 sen (After bonus: 2.25)
* Personal prediction, this is my own references, non-offcial data
Ext. fye 2010
Ext.EPS = 20 sen
Ext.DPS = 12 sen
Ext.NTA = 0.8126
Ext.ROE = 24.61%
EPS Q1 EPS Q2 EPS Q3 EPS Q4 Target ToGo
5.42 0.00 0.00 0.00 14.58
DPS Q1 DPS Q2 DPS Q3 DPS Q4 Target ToGo
2.25 0.00 0.00 0.00 9.75
Bonus ex-date will be 19 July 2010
EPS = 23.77
NTA = 0.9279
DPS = 12sen normal div (50.5%EPS), 2sen special div (8.5%EPS)
Total 14sen (59% EPS)
Cur Price = 2.75
ROE = 25.61%
DY = 5.09%
PE = 11.57
After Bonus 3:1 (Share increase 33.33%)
fye2009
EPS = 17.82
NTA = 0.6959
DPS = 9 sen normal div, 1.5 sen special div
Total 10.5 sen
Cur Price = 2.060
ROE = 25.61%
DY = 5.09%
PE = 11.57
fye 2010 Quarter 1
EPS = 7.23 (After bonus: 5.42)
NTA = 0.9502 (After bonus: 0.7126)
DPS = 3 sen (After bonus: 2.25)
* Personal prediction, this is my own references, non-offcial data
Ext. fye 2010
Ext.EPS = 20 sen
Ext.DPS = 12 sen
Ext.NTA = 0.8126
Ext.ROE = 24.61%
EPS Q1 EPS Q2 EPS Q3 EPS Q4 Target ToGo
5.42 0.00 0.00 0.00 14.58
DPS Q1 DPS Q2 DPS Q3 DPS Q4 Target ToGo
2.25 0.00 0.00 0.00 9.75
Bonus ex-date will be 19 July 2010
2010年4月21日星期三
OSK Research ups NTPM earnings outlook
KUALA LUMPUR: OSK Research has raised its earnings outlook for NTPM HOLDINGS BHD [] for FY10 and FY11 by 16%-24% to RM64.4m and RM66.8m respectively given the better than expected results.
It said on Monday, March 15 the target price was raised to 60 sen from 50 sen.
NTPM reported a good set of results with cumulative 9MFY10 revenue and earnings coming in at RM289.7 million (+10% y-o-y) and RM45.1 million (+44.5% y-o-y) respectively, above OSK Research's full year earnings forecast of RM51.8 million.
Aside from the continued growth in sales volume of its main products (tissue products, sanitary napkins and diapers), the stronger than expected results were mainly attributed to the low raw material costs.
Nine-months FY10 EBIT margin surged to 20.3% versus 15.9% in 9MFY09. Nonetheless, the research house sees margin compression in FY11 as stocks are depleted.
http://www.theedgemalaysia.com/business-news/161509-osk-research-ups-ntpm-earnings-outlook.html
It said on Monday, March 15 the target price was raised to 60 sen from 50 sen.
NTPM reported a good set of results with cumulative 9MFY10 revenue and earnings coming in at RM289.7 million (+10% y-o-y) and RM45.1 million (+44.5% y-o-y) respectively, above OSK Research's full year earnings forecast of RM51.8 million.
Aside from the continued growth in sales volume of its main products (tissue products, sanitary napkins and diapers), the stronger than expected results were mainly attributed to the low raw material costs.
Nine-months FY10 EBIT margin surged to 20.3% versus 15.9% in 9MFY09. Nonetheless, the research house sees margin compression in FY11 as stocks are depleted.
http://www.theedgemalaysia.com/business-news/161509-osk-research-ups-ntpm-earnings-outlook.html
2010年4月20日星期二
MMVB 2009: Premier brand in paper products (NTPM)
MMVB 2009: Premier brand in paper products
Monday, 23 November 2009 00:00
A chance encounter with a paper mill during a trip to Taiwan in 1973 sparked the idea of NTPM, the manufacturing company behind paper product household names Premier tissue paper, Cutie Compact toilet roll and Royal Gold tissue paper.
The coach that NTPM founder Lee See Jin was travelling in had stopped at a bus stop in Taipei when he noticed mountains of waste paper stored outside a factory. Curious, he went in to enquire and discovered that the factory was recycling wastepaper to produce joss paper and toilet paper.
“They bought 1kg of waste paper for 8 sen but sold 1kg of processed toilet paper for RM1.20! I didn’t understand the business in detail but I was thinking of the big amount of profits!” says Lee, who could not but compare it with the rice-milling business he was in with its profit margins of around 1% to 2%.
Two years later, Lee set up NTPM with RM1 million in funds from his own pocket and minority shareholders, but it wasn’t till four years later that production began. Despite the promise of huge profits, Lee says the first few years were “difficult”. The company only broke even in 1983 and began to turn a profit in 1984, says Lee in a recent interview at NTPM’s Bukit Jelutong sales warehouse and office. NTPM’s manufacturing plants are located in Nibong Tebal, Penang and Parit Buntar, Perak.
For its FY2009 April 30, NTPM recorded RM46.31 million in profit after tax on the back of revenue of RM358.56 million. Its 2009 annual report attributed the 41% jump in profit before tax to increased sales, softening of commodity prices towards 2H of FY2009 and improved efficiency in operations and distribution.
NTPM, which takes its name from its paper mill in Nibong Tebal, has come a long way since its founding. In 1986, in a move to expand the business, NTPM diversified its product offering from toilet tissue paper and joss paper to include serviettes and eventually, box tissues.
Premier has managed to grab more than 50% of the Malaysian market for tissue products because of quality and price, against its closest competitor, a multinational with about 25% to 30% market share, says Lee’s son Chong Choon.
In 1995, NTPM introduced the brand name Premier to showcase “first” and “excellence”, said Lee who spoke in English peppered with Mandarin and Hokkien phrases, which Chong Choon then translated, during the interview.
“In the past we had a number of smaller brands for paper tissue but as the business became bigger, we could not have so many brands. Manufacturing, delivery and warehousing would be a problem so we chose to continue with the brands that recorded big sales. We found that ‘Premier’ was easy to recall and had recorded good sales so we kept it,” says Lee. Cutie was the other brand that the company kept.
The success of the Premier brand didn’t come about by accident. NTPM works with a creative agency to come up with the idea for the packaging — it believes attractive packaging grabs consumer attention. Its sales and marketing team then works on the design and promotion drawing on in-house market surveys as well as Nielsen market research, says Chong Choon, who is NTPM executive director.
Over the years, NTPM’s marketing strategy has evolved from below-the-line strategies such as in-store promotions to billboard advertising and eventually, to a mixture of outdoor, below-the-line and above-the-line advertising. But “it’s not just about advertising”, says Lee.
“If your products are not good or are expensive, people have more options now and will always choose the good and cheap ones,” he says.
Besides spending on in-store block display space, NTPM also distributes samples to allow customers to try the products.
Distribution has also played a role in its success. NTPM’s business model of doing away with the middleman enabled it to reap higher profits. Even in the 1970s, its strong integrated distribution network set it apart from its competitors.
“While others only produced semi-finished paper products or jumbo rolls, our paper mill manufactured jumbo rolls, converted them into finished products and distributed them directly to the retailers,” says Lee.
Today, NTPM sells its products to retailers, hotels, factories and wholesalers, and has a total customer base of 10,000. Chong Choon says the company hopes to double that figure in three years’ time.
Lower costs have also enabled the company to compete against bigger rivals. When Premier was launched, there were other smaller local players and a multinational that produced box tissue products.
“That was the opportunity for us to step in. If they wanted to lower their costs or quantity [to compete], it would have affected their profit margins. Being a Chinese company, our expenses are kept very low, unlike Western counterparts, which have high salary benefits,” says Lee.
In 1986, NTPM penetrated the Singapore market, which was then importing toilet paper products from China. Not only was the quality nothing to shout about, the shipping time took 10 days. With its fleet of 130 trucks to deliver the products nationwide, NTPM could get its products to Singapore in a shorter time and for less. Besides Singapore, the company also has leased warehouses in Penang, Kelantan, Pahang, Melaka, KL, Johor and Sabah.
During the 1997 Asian financial crisis, NTPM began shipping to Hong Kong, which also sourced its paper products from China. Currently, NTPM exports to Southeast Asia, Australia, West Asia, the US and Africa. Overseas markets contribute a third of the business, with the remaining two-third coming from Malaysia.
Besides Premier, paper product brands under the NTPM group include Cutie Soft and Royal Gold. In 2003, the company diversified into personal care products, introducing its Intimate brand of sanitary pads, and Diapex baby diapers a year later. In September this year, NTPM streamlined its operations by relocating the personal care division from the existing tissue manufacturing plant in Nibong Tebal to its new RM2.9 million manufacturing plant in Parit Buntar, Perak.
Despite being up against more established brands in the fast-moving consumer goods sector, Intimate managed to increase sales by some 17% for the FY2009 ended April 30. Lee says the company hopes to grow the personal care segment to 50% of the business in three years’ time. It contributed about RM50 million of the group’s revenue for FY2009.
Lee, who looks much younger than his 70 years, may not have understood the paper product business when he started out. But he understands that it’s not just enough to have a good brand.
“If your brand is good but your costs are high, that means you can’t make a profit,” he says.
As such, he keeps a close eye on costs. In fact, listening to him talk about flying economy and staying in budget hotels on business trips, the word “frugal” comes to mind. And any investment he makes has to bring in a profit.
“My philosophy is, if it doesn’t bring in profit, I will not invest in it,” says Lee, who controls 42% of shares in the company.
*This article appeared in Malaysia's Most Valuable Brands 2009, the special focus pullout of The Edge Malaysia, Issue 782, Nov 23-29, 2009.
http://www.theedgemalaysia.com/management/155742--mmvb-2009-premier-brand-in-paper-products.html
Monday, 23 November 2009 00:00
A chance encounter with a paper mill during a trip to Taiwan in 1973 sparked the idea of NTPM, the manufacturing company behind paper product household names Premier tissue paper, Cutie Compact toilet roll and Royal Gold tissue paper.
The coach that NTPM founder Lee See Jin was travelling in had stopped at a bus stop in Taipei when he noticed mountains of waste paper stored outside a factory. Curious, he went in to enquire and discovered that the factory was recycling wastepaper to produce joss paper and toilet paper.
“They bought 1kg of waste paper for 8 sen but sold 1kg of processed toilet paper for RM1.20! I didn’t understand the business in detail but I was thinking of the big amount of profits!” says Lee, who could not but compare it with the rice-milling business he was in with its profit margins of around 1% to 2%.
Two years later, Lee set up NTPM with RM1 million in funds from his own pocket and minority shareholders, but it wasn’t till four years later that production began. Despite the promise of huge profits, Lee says the first few years were “difficult”. The company only broke even in 1983 and began to turn a profit in 1984, says Lee in a recent interview at NTPM’s Bukit Jelutong sales warehouse and office. NTPM’s manufacturing plants are located in Nibong Tebal, Penang and Parit Buntar, Perak.
For its FY2009 April 30, NTPM recorded RM46.31 million in profit after tax on the back of revenue of RM358.56 million. Its 2009 annual report attributed the 41% jump in profit before tax to increased sales, softening of commodity prices towards 2H of FY2009 and improved efficiency in operations and distribution.
NTPM, which takes its name from its paper mill in Nibong Tebal, has come a long way since its founding. In 1986, in a move to expand the business, NTPM diversified its product offering from toilet tissue paper and joss paper to include serviettes and eventually, box tissues.
Premier has managed to grab more than 50% of the Malaysian market for tissue products because of quality and price, against its closest competitor, a multinational with about 25% to 30% market share, says Lee’s son Chong Choon.
In 1995, NTPM introduced the brand name Premier to showcase “first” and “excellence”, said Lee who spoke in English peppered with Mandarin and Hokkien phrases, which Chong Choon then translated, during the interview.
“In the past we had a number of smaller brands for paper tissue but as the business became bigger, we could not have so many brands. Manufacturing, delivery and warehousing would be a problem so we chose to continue with the brands that recorded big sales. We found that ‘Premier’ was easy to recall and had recorded good sales so we kept it,” says Lee. Cutie was the other brand that the company kept.
The success of the Premier brand didn’t come about by accident. NTPM works with a creative agency to come up with the idea for the packaging — it believes attractive packaging grabs consumer attention. Its sales and marketing team then works on the design and promotion drawing on in-house market surveys as well as Nielsen market research, says Chong Choon, who is NTPM executive director.
Over the years, NTPM’s marketing strategy has evolved from below-the-line strategies such as in-store promotions to billboard advertising and eventually, to a mixture of outdoor, below-the-line and above-the-line advertising. But “it’s not just about advertising”, says Lee.
“If your products are not good or are expensive, people have more options now and will always choose the good and cheap ones,” he says.
Besides spending on in-store block display space, NTPM also distributes samples to allow customers to try the products.
Distribution has also played a role in its success. NTPM’s business model of doing away with the middleman enabled it to reap higher profits. Even in the 1970s, its strong integrated distribution network set it apart from its competitors.
“While others only produced semi-finished paper products or jumbo rolls, our paper mill manufactured jumbo rolls, converted them into finished products and distributed them directly to the retailers,” says Lee.
Today, NTPM sells its products to retailers, hotels, factories and wholesalers, and has a total customer base of 10,000. Chong Choon says the company hopes to double that figure in three years’ time.
Lower costs have also enabled the company to compete against bigger rivals. When Premier was launched, there were other smaller local players and a multinational that produced box tissue products.
“That was the opportunity for us to step in. If they wanted to lower their costs or quantity [to compete], it would have affected their profit margins. Being a Chinese company, our expenses are kept very low, unlike Western counterparts, which have high salary benefits,” says Lee.
In 1986, NTPM penetrated the Singapore market, which was then importing toilet paper products from China. Not only was the quality nothing to shout about, the shipping time took 10 days. With its fleet of 130 trucks to deliver the products nationwide, NTPM could get its products to Singapore in a shorter time and for less. Besides Singapore, the company also has leased warehouses in Penang, Kelantan, Pahang, Melaka, KL, Johor and Sabah.
During the 1997 Asian financial crisis, NTPM began shipping to Hong Kong, which also sourced its paper products from China. Currently, NTPM exports to Southeast Asia, Australia, West Asia, the US and Africa. Overseas markets contribute a third of the business, with the remaining two-third coming from Malaysia.
Besides Premier, paper product brands under the NTPM group include Cutie Soft and Royal Gold. In 2003, the company diversified into personal care products, introducing its Intimate brand of sanitary pads, and Diapex baby diapers a year later. In September this year, NTPM streamlined its operations by relocating the personal care division from the existing tissue manufacturing plant in Nibong Tebal to its new RM2.9 million manufacturing plant in Parit Buntar, Perak.
Despite being up against more established brands in the fast-moving consumer goods sector, Intimate managed to increase sales by some 17% for the FY2009 ended April 30. Lee says the company hopes to grow the personal care segment to 50% of the business in three years’ time. It contributed about RM50 million of the group’s revenue for FY2009.
Lee, who looks much younger than his 70 years, may not have understood the paper product business when he started out. But he understands that it’s not just enough to have a good brand.
“If your brand is good but your costs are high, that means you can’t make a profit,” he says.
As such, he keeps a close eye on costs. In fact, listening to him talk about flying economy and staying in budget hotels on business trips, the word “frugal” comes to mind. And any investment he makes has to bring in a profit.
“My philosophy is, if it doesn’t bring in profit, I will not invest in it,” says Lee, who controls 42% of shares in the company.
*This article appeared in Malaysia's Most Valuable Brands 2009, the special focus pullout of The Edge Malaysia, Issue 782, Nov 23-29, 2009.
http://www.theedgemalaysia.com/management/155742--mmvb-2009-premier-brand-in-paper-products.html
2010年4月13日星期二
2010年4月7日星期三
貿消部提呈國會一讀‧競爭法案禁壟斷企業
貿消部提呈國會一讀‧競爭法案禁壟斷企業
* 國內
2010-04-07 19:00
*
【圖話故事‧霧淞美景】江蘇連雲港市花果山春季出現罕見霧淞美景。在海撥600多米高的山頂玉女峰，由雲霧在樹枝上凝結而成的霧淞輕盈潔白、蔚為壯觀，使人彷彿置身於仙境。（圖：中新社）
（吉隆坡）國內貿易、合作社及消費部今日（週三，4月7日）在國會提呈2010年競爭法案和2010年競爭委員會法案一讀。
2010年競爭法案旨在禁止國內企業被壟斷的行為，而2010年競爭委員會法案則主要成立一個委員會來執行競爭法。
這項法案旨在保護競爭程序以鼓勵經濟發展，同時保障消費人的利益。
這項法案是由貿消部長拿督斯里依斯邁沙比利提呈一讀。
法案內容有兩條禁令，第一條禁令是尊重企業與機構之間的合約，以避免影響、阻止或干擾企業的競爭。第二條禁令是避免企業濫用在大馬的商業優勢地位。
法案指出，對大馬市場競爭有影響的國外商業交易活動，也受到這項法令管制。
法案也提到企業之間的水平協議或垂直協議，主要禁止任何市場物品或服務被壟斷。
高庭法官任主席
將設商業競爭上訴仲裁庭
法案指出，政府將成立商業競爭上訴仲裁庭，並由一名高庭法官擔任主席，仲裁庭授權重新研究競爭委員會的決定。
首相將在部長或聯邦法院首席大法官的推荐下，委任一名仲裁庭主席和7至20名成員。
所有成員的任期不超過6年。
商業競爭上訴仲裁庭的權力範圍包括召見有關人士出庭供證、要求證人以口頭或文件方式宣誓供證，檢查所有認為有需要的證人、擁有低等法庭的權力強制證人出庭和對付羞辱仲裁庭的證人。
至於仲裁庭成員的津貼，包括仲裁庭有審理案件、住宿、旅費和生活費等，都由部長決定。
如果有成員要辭職或取消委任，他需在60天內以書面通知首相。首相可以隨時取消主席或成員的委任，只要發現有關成員已智障或沒有能力履行職責、破產、被證實涉及欺騙、貪污或任何罪行被判坐牢超過兩年。
商業競爭上訴仲裁庭的判決必須是根據大多數成員的意願。仲裁庭的判決是最終裁決，當事人不能提出上訴。
在刑罰方面，若當事人是一間機構，將被判罰款不超過500萬令吉；若重犯，可被罰款不超過1000萬令吉。
如果當事人不是一間機構，將被罰款不超過100萬令吉或坐牢不超過5年，或兩者兼施。重犯者將被罰款不超過200萬令吉或坐牢不超過5年或兩者兼施。
若是一間機構違法，被控者可以是此機構的董事、首席執行員、首席營運員、經理、秘書或協助管理公司的職員。
若懷疑違法
競爭委會有權查企業
競爭委員會如果有理由懷疑有任何企業違反或觸犯這項法令條文，委員會有權調查有關企業。
不過，委員會需要得到部長的指示才對受懷疑的違法企業展開調查。
委員會也可在接到民眾的投報後，針對企業、合約或行為展開調查。如果委員會決定不再調查有關投報，應馬上結束調查並通知有關投報者關於委員會的決定。
同時，委員會也需刊登結束調查聲明，以及解釋結束調查的理由。
競爭委員會委員擁有相等於警方查案官的權力。
委員會可通過書面通知知情人士前來向委員會通報，並提供相關資料或文件給委員會。
委員會可以收藏有關文件直到認為需要的期限，提供文件者有權向委員會索取一份被委員會認證的文件副本。
* 國內
2010-04-07 19:00
*
【圖話故事‧霧淞美景】江蘇連雲港市花果山春季出現罕見霧淞美景。在海撥600多米高的山頂玉女峰，由雲霧在樹枝上凝結而成的霧淞輕盈潔白、蔚為壯觀，使人彷彿置身於仙境。（圖：中新社）
（吉隆坡）國內貿易、合作社及消費部今日（週三，4月7日）在國會提呈2010年競爭法案和2010年競爭委員會法案一讀。
2010年競爭法案旨在禁止國內企業被壟斷的行為，而2010年競爭委員會法案則主要成立一個委員會來執行競爭法。
這項法案旨在保護競爭程序以鼓勵經濟發展，同時保障消費人的利益。
這項法案是由貿消部長拿督斯里依斯邁沙比利提呈一讀。
法案內容有兩條禁令，第一條禁令是尊重企業與機構之間的合約，以避免影響、阻止或干擾企業的競爭。第二條禁令是避免企業濫用在大馬的商業優勢地位。
法案指出，對大馬市場競爭有影響的國外商業交易活動，也受到這項法令管制。
法案也提到企業之間的水平協議或垂直協議，主要禁止任何市場物品或服務被壟斷。
高庭法官任主席
將設商業競爭上訴仲裁庭
法案指出，政府將成立商業競爭上訴仲裁庭，並由一名高庭法官擔任主席，仲裁庭授權重新研究競爭委員會的決定。
首相將在部長或聯邦法院首席大法官的推荐下，委任一名仲裁庭主席和7至20名成員。
所有成員的任期不超過6年。
商業競爭上訴仲裁庭的權力範圍包括召見有關人士出庭供證、要求證人以口頭或文件方式宣誓供證，檢查所有認為有需要的證人、擁有低等法庭的權力強制證人出庭和對付羞辱仲裁庭的證人。
至於仲裁庭成員的津貼，包括仲裁庭有審理案件、住宿、旅費和生活費等，都由部長決定。
如果有成員要辭職或取消委任，他需在60天內以書面通知首相。首相可以隨時取消主席或成員的委任，只要發現有關成員已智障或沒有能力履行職責、破產、被證實涉及欺騙、貪污或任何罪行被判坐牢超過兩年。
商業競爭上訴仲裁庭的判決必須是根據大多數成員的意願。仲裁庭的判決是最終裁決，當事人不能提出上訴。
在刑罰方面，若當事人是一間機構，將被判罰款不超過500萬令吉；若重犯，可被罰款不超過1000萬令吉。
如果當事人不是一間機構，將被罰款不超過100萬令吉或坐牢不超過5年，或兩者兼施。重犯者將被罰款不超過200萬令吉或坐牢不超過5年或兩者兼施。
若是一間機構違法，被控者可以是此機構的董事、首席執行員、首席營運員、經理、秘書或協助管理公司的職員。
若懷疑違法
競爭委會有權查企業
競爭委員會如果有理由懷疑有任何企業違反或觸犯這項法令條文，委員會有權調查有關企業。
不過，委員會需要得到部長的指示才對受懷疑的違法企業展開調查。
委員會也可在接到民眾的投報後，針對企業、合約或行為展開調查。如果委員會決定不再調查有關投報，應馬上結束調查並通知有關投報者關於委員會的決定。
同時，委員會也需刊登結束調查聲明，以及解釋結束調查的理由。
競爭委員會委員擁有相等於警方查案官的權力。
委員會可通過書面通知知情人士前來向委員會通報，並提供相關資料或文件給委員會。
委員會可以收藏有關文件直到認為需要的期限，提供文件者有權向委員會索取一份被委員會認證的文件副本。
亞洲200大企業‧海嘯沖走5席‧8大馬公司進榜
亞洲200大企業‧海嘯沖走5席‧8大馬公司進榜
2009-09-11 17:58
（吉隆坡）大馬今年共有8家上市公司被選為《福布斯》亞洲10億美元以下最佳200大企業，比較去年13家進榜，今年表現稍為遜色，少了5席，反映金融海嘯對大馬公司表現的衝擊。
大馬進榜的公司多元，產業、直銷、科技、製造業和海事都有，而且多家是舊面孔。8家上榜公司有艾飛升（EFFICEN,0064,主板貿服組）、沿海工程（COASTAL,5071,主板工業產品組）、ETI科技（ETITECH,0118,創業板科技組）、海鷗企業（HAIO,7668,主板貿服組）、菲馬集團（KFIMA,6491,主板貿服組）、啟順造紙業（NTPM,5066,主板消費品組）、前風變壓器（SUCCESS,7207,主板工業產品組）和游禮發產業（YNHPROP,3158,主板產業組）。
菲馬、啟順造紙業、游禮發產業新進榜
在入榜的8家公司當中，有5家是舊客，包括海鷗企業、沿海工程、艾飛升、ETI科技和前風變壓器；新進者3家，分別是菲馬集團、啟順造紙業和游禮發產業。游禮發產業前年進榜，去年落榜，今年再中選。
今年落榜的公司有CB工業（CBIP,7076,主板工業產品組）、宏流方案（GRANFLO,0056,創業板科技組）、IPOWER公司（IPOWER,0069,創業板科技組）、JOBS機構（JOBS,0058,主板貿服組）、NOTION集團（NOTION,0083,主板科技組）和鵬發（PTARAS,9598,主板建筑組）和砂勞越油棕（SOP，5126，主板種植組）。
中國香港共78家進榜
《福布斯》亞洲最佳200大中小企業今年依舊是由中國和香港公司獨領風騷，共有78家進榜，比較去年的63家增加了15家，以顯示金融海嘯衝擊全球，但是中國和香港的公司因為中國經濟的穩定而相對企穩。其中零售、服飾、網上廣告和保健公司有增加之勢。
接下來是日本，有24家公司上榜，韓國則是23家企業入選；第4名是印度，共有20家企業中選，澳洲有18家入榜企業。
《福布斯》今年是從亞太1萬2000家營業額低於10億美元的上市公司當中，選出其中200家表現最佳的公司，除了持續3年的營業額和盈利能力成長，低負債和未來前景也被考慮在內。
64家入選公司是舊客，這些入榜公司在過去12個月的銷售和盈利都有增加，或接下來季度預測表現會更好，名單中從事零售、媒體、科技和保健的公司最多。
《福布斯》表示，消費化是大部份入榜公司的主動推動力，102家上榜公司是從事消費相關業務，比較去年是78家，2005年是67家。
台灣的智冠全球資訊網是舊客，這間公司在台灣深陷金融海嘯引發的衰退期，還連續5個銷售創新高。
今年有136家新進者，其中日本的美容保養產品公司城野醫生，創業10年，現在因為日本女人對美容保養品購買不手軟而大賺。
中國福建省的中國綠色食品也是新進者，2004年在香港上市迄今值增加4倍。
今年的新進者還有美國自動報價上市公司百度，這間公司的營業額4年成長29倍，2008年的營業額和淨利各為4億6200萬美元和1億5100萬美元。百度李彥宏因此累積18億美元的個人財富。
星洲日報／財經‧2009.09.11
2009-09-11 17:58
（吉隆坡）大馬今年共有8家上市公司被選為《福布斯》亞洲10億美元以下最佳200大企業，比較去年13家進榜，今年表現稍為遜色，少了5席，反映金融海嘯對大馬公司表現的衝擊。
大馬進榜的公司多元，產業、直銷、科技、製造業和海事都有，而且多家是舊面孔。8家上榜公司有艾飛升（EFFICEN,0064,主板貿服組）、沿海工程（COASTAL,5071,主板工業產品組）、ETI科技（ETITECH,0118,創業板科技組）、海鷗企業（HAIO,7668,主板貿服組）、菲馬集團（KFIMA,6491,主板貿服組）、啟順造紙業（NTPM,5066,主板消費品組）、前風變壓器（SUCCESS,7207,主板工業產品組）和游禮發產業（YNHPROP,3158,主板產業組）。
菲馬、啟順造紙業、游禮發產業新進榜
在入榜的8家公司當中，有5家是舊客，包括海鷗企業、沿海工程、艾飛升、ETI科技和前風變壓器；新進者3家，分別是菲馬集團、啟順造紙業和游禮發產業。游禮發產業前年進榜，去年落榜，今年再中選。
今年落榜的公司有CB工業（CBIP,7076,主板工業產品組）、宏流方案（GRANFLO,0056,創業板科技組）、IPOWER公司（IPOWER,0069,創業板科技組）、JOBS機構（JOBS,0058,主板貿服組）、NOTION集團（NOTION,0083,主板科技組）和鵬發（PTARAS,9598,主板建筑組）和砂勞越油棕（SOP，5126，主板種植組）。
中國香港共78家進榜
《福布斯》亞洲最佳200大中小企業今年依舊是由中國和香港公司獨領風騷，共有78家進榜，比較去年的63家增加了15家，以顯示金融海嘯衝擊全球，但是中國和香港的公司因為中國經濟的穩定而相對企穩。其中零售、服飾、網上廣告和保健公司有增加之勢。
接下來是日本，有24家公司上榜，韓國則是23家企業入選；第4名是印度，共有20家企業中選，澳洲有18家入榜企業。
《福布斯》今年是從亞太1萬2000家營業額低於10億美元的上市公司當中，選出其中200家表現最佳的公司，除了持續3年的營業額和盈利能力成長，低負債和未來前景也被考慮在內。
64家入選公司是舊客，這些入榜公司在過去12個月的銷售和盈利都有增加，或接下來季度預測表現會更好，名單中從事零售、媒體、科技和保健的公司最多。
《福布斯》表示，消費化是大部份入榜公司的主動推動力，102家上榜公司是從事消費相關業務，比較去年是78家，2005年是67家。
台灣的智冠全球資訊網是舊客，這間公司在台灣深陷金融海嘯引發的衰退期，還連續5個銷售創新高。
今年有136家新進者，其中日本的美容保養產品公司城野醫生，創業10年，現在因為日本女人對美容保養品購買不手軟而大賺。
中國福建省的中國綠色食品也是新進者，2004年在香港上市迄今值增加4倍。
今年的新進者還有美國自動報價上市公司百度，這間公司的營業額4年成長29倍，2008年的營業額和淨利各為4億6200萬美元和1億5100萬美元。百度李彥宏因此累積18億美元的個人財富。
星洲日報／財經‧2009.09.11
推廣網店實用技巧
推廣網店實用技巧
* 副刊
* 新媒體
* 科技
2010-03-28 18:22
*
【圖話故事‧狗當超人】近日中國某論壇一隻名為“Ice”的哈士奇狗穿著超人裝出現在網絡後，便引起網友的熱情追捧，圖片點擊率也飆升。據報導，這只哈士奇狗是只母狗，已經5歲了，被主人打扮為超人模樣。（圖：互聯網）
網店和實體店一個明顯的區別，就是實體店只要物色到一個合適及人口稠密的地點開店，你的客戶就會自動上門，而網店卻非如此。無論你花多少錢來設立一個網站，如果不做宣傳，瀏覽量可能等於零！
許多人誤解以為只要在網上開店，就會自動有人上網光顧。其實這是個大大的錯誤觀念。經營網店其中一個大挑戰，就是如何提高網站的瀏覽量。瀏覽量高了，購買的客戶自然也會增多了。比起實體店，雖然這是網店的一大缺點，但換個角度來看，實體店的光顧量是有點被動的，而網店的瀏覽量則是主動的。你可以憑著創意、努力及各種宣傳方式來提高瀏覽量，但實體店的光顧量卻非常依賴當地的人口稠密度，交通方便等外在因素。
宣傳網店有好幾個方法，有付費的，也有免付費的。
付費型：
網上廣告
在一些高瀏覽量的網站上打廣告，無疑是網站宣傳最好的管道。馬來西亞有許多論壇如http://www.jbtalks.cc、http://www.lowyat.net、http://www.cari.com.my等，都是刊登廣告的最佳選擇。還有一些分類網站如my.88db.com、http://www.yellowpages.com.my服務好，所帶來的廣告效應也極高。選擇在哪些網站刊登廣告，是一門學問，雖然一些網站的瀏覽量高，但卻未必會帶來很高的點擊率。在做出選擇前，請多做些調查如網站會員的性別、年齡層、討論話題等，是否符合你的網店顧客目標。
搜索引擎優化（SEO）
搜索引擎優化指的是如何獲得搜索引擎收錄並在搜索結果中排名靠前。要如何提高搜索結果的排名，須針對各種搜索引擎的搜索特點，而改善網站的設計及關鍵字。搜索引擎的特點經常改變，所以你必須無時無刻都更新你的知識。當然你也可以付錢聘請這方面的人才幫你提高你搜索排名，收費通常都是依關鍵字而定。http://www.pichalee.net和http://www.malaysiaseo.com是這方面的專才，你可以嘗試這方面的服務，肯定會對你的網站帶來一定的瀏覽量。
免收費型：
友情鏈接
友情鏈接是指網站雙方站長約定，雙方同時在自己的網站加上對方網站的鏈接。通過點擊錨文本，即可到達對方網站。由於這種鏈接是雙方同時約定的，所以就叫“友情”鏈接。友情網址鏈接雖未必能帶來成千上萬的點擊率，但它會讓搜索引擎更頻密地收錄你的網頁。
增強交互性
給網站內容設置RSS訂閱、網站收藏夾、論壇交流、內容評論、內容投票、部落格分享等，都能吸引用戶逗留而提高網站瀏覽量。你也可以定時發送簡訊電郵（Newsletter）給你的會員以通知他們有關新貨上架等最新資訊。
借助交友網站的力量交友網站如Facebook、Friendster等利用朋友與朋友之間的關係來提高人際網絡。同樣的方式應用在生意上，就可以借助朋友的力量來提昇自己網站的知名度。現在幾乎每個企業都會建設自己的Facebook頁面。先從自己的朋友或客戶開始，然後再由朋友推介給更多朋友，這樣一直延續下去。
口耳相傳（口碑）
網站如果想要長期經營下去，就必須認真的建立網站的口碑。利用口耳相傳的方式，雖然不能在短期內帶來效應，但長期來說，肯定會提高網站的知名度。你可以在網站上讓購買過你的產品的顧客留言，分享他們在你的網站網購的喜悅。網店是一個看似虛擬的購物方式，如果有了一些顧客所張貼的好口碑，可以讓那些第一次在你的網站購物的客戶更加有信心。
以上只是其中一些可以幫助推廣網站的宣傳手法，你可以用自己的創意，想出任何有可能提昇網站瀏覽量的方法。在網絡世界，奇跡天天在發生，只要肯用點心思，肯定可以在網絡生意裡創出奇跡！
星洲日報／副刊‧ 作者：陳美嬡 ‧ 2010.03.24
* 副刊
* 新媒體
* 科技
2010-03-28 18:22
*
【圖話故事‧狗當超人】近日中國某論壇一隻名為“Ice”的哈士奇狗穿著超人裝出現在網絡後，便引起網友的熱情追捧，圖片點擊率也飆升。據報導，這只哈士奇狗是只母狗，已經5歲了，被主人打扮為超人模樣。（圖：互聯網）
網店和實體店一個明顯的區別，就是實體店只要物色到一個合適及人口稠密的地點開店，你的客戶就會自動上門，而網店卻非如此。無論你花多少錢來設立一個網站，如果不做宣傳，瀏覽量可能等於零！
許多人誤解以為只要在網上開店，就會自動有人上網光顧。其實這是個大大的錯誤觀念。經營網店其中一個大挑戰，就是如何提高網站的瀏覽量。瀏覽量高了，購買的客戶自然也會增多了。比起實體店，雖然這是網店的一大缺點，但換個角度來看，實體店的光顧量是有點被動的，而網店的瀏覽量則是主動的。你可以憑著創意、努力及各種宣傳方式來提高瀏覽量，但實體店的光顧量卻非常依賴當地的人口稠密度，交通方便等外在因素。
宣傳網店有好幾個方法，有付費的，也有免付費的。
付費型：
網上廣告
在一些高瀏覽量的網站上打廣告，無疑是網站宣傳最好的管道。馬來西亞有許多論壇如http://www.jbtalks.cc、http://www.lowyat.net、http://www.cari.com.my等，都是刊登廣告的最佳選擇。還有一些分類網站如my.88db.com、http://www.yellowpages.com.my服務好，所帶來的廣告效應也極高。選擇在哪些網站刊登廣告，是一門學問，雖然一些網站的瀏覽量高，但卻未必會帶來很高的點擊率。在做出選擇前，請多做些調查如網站會員的性別、年齡層、討論話題等，是否符合你的網店顧客目標。
搜索引擎優化（SEO）
搜索引擎優化指的是如何獲得搜索引擎收錄並在搜索結果中排名靠前。要如何提高搜索結果的排名，須針對各種搜索引擎的搜索特點，而改善網站的設計及關鍵字。搜索引擎的特點經常改變，所以你必須無時無刻都更新你的知識。當然你也可以付錢聘請這方面的人才幫你提高你搜索排名，收費通常都是依關鍵字而定。http://www.pichalee.net和http://www.malaysiaseo.com是這方面的專才，你可以嘗試這方面的服務，肯定會對你的網站帶來一定的瀏覽量。
免收費型：
友情鏈接
友情鏈接是指網站雙方站長約定，雙方同時在自己的網站加上對方網站的鏈接。通過點擊錨文本，即可到達對方網站。由於這種鏈接是雙方同時約定的，所以就叫“友情”鏈接。友情網址鏈接雖未必能帶來成千上萬的點擊率，但它會讓搜索引擎更頻密地收錄你的網頁。
增強交互性
給網站內容設置RSS訂閱、網站收藏夾、論壇交流、內容評論、內容投票、部落格分享等，都能吸引用戶逗留而提高網站瀏覽量。你也可以定時發送簡訊電郵（Newsletter）給你的會員以通知他們有關新貨上架等最新資訊。
借助交友網站的力量交友網站如Facebook、Friendster等利用朋友與朋友之間的關係來提高人際網絡。同樣的方式應用在生意上，就可以借助朋友的力量來提昇自己網站的知名度。現在幾乎每個企業都會建設自己的Facebook頁面。先從自己的朋友或客戶開始，然後再由朋友推介給更多朋友，這樣一直延續下去。
口耳相傳（口碑）
網站如果想要長期經營下去，就必須認真的建立網站的口碑。利用口耳相傳的方式，雖然不能在短期內帶來效應，但長期來說，肯定會提高網站的知名度。你可以在網站上讓購買過你的產品的顧客留言，分享他們在你的網站網購的喜悅。網店是一個看似虛擬的購物方式，如果有了一些顧客所張貼的好口碑，可以讓那些第一次在你的網站購物的客戶更加有信心。
以上只是其中一些可以幫助推廣網站的宣傳手法，你可以用自己的創意，想出任何有可能提昇網站瀏覽量的方法。在網絡世界，奇跡天天在發生，只要肯用點心思，肯定可以在網絡生意裡創出奇跡！
星洲日報／副刊‧ 作者：陳美嬡 ‧ 2010.03.24
2010年4月6日星期二
第八步骤：等待股市崩溃》
怎样有把握地在股市里赚钱（分享篇）
第八步骤：等待股市崩溃》
当新手们将手上的票全部出完后，记得千万别再进场买票。这段时间是让你休息，一直到下一个股市崩溃为止。然后又从头开始。股票的投资，其实就是一种循环不息的金钱游戏。这整个投资系列，是我从超过25年的投资经历中发掘出来的，今天就到处结束，希望新手们能下点苦功，努力钻研，这样不出几年，你们对股票的投资就会变得胸有成竹了。
source: http://www.investalks.com/viewthread.php?tid=2490&page=10#pid105159
第八步骤：等待股市崩溃》
当新手们将手上的票全部出完后，记得千万别再进场买票。这段时间是让你休息，一直到下一个股市崩溃为止。然后又从头开始。股票的投资，其实就是一种循环不息的金钱游戏。这整个投资系列，是我从超过25年的投资经历中发掘出来的，今天就到处结束，希望新手们能下点苦功，努力钻研，这样不出几年，你们对股票的投资就会变得胸有成竹了。
source: http://www.investalks.com/viewthread.php?tid=2490&page=10#pid105159
第六/七步骤: 股价上升超过20%后，只持有股票，不再作任何买卖。/ 在牛市中、后期有次序地慢慢出货（目标：牛市70%-90%阶段）
怎样有把握地在股市里赚钱（分享篇）
第六步骤： 股价上升超过20%后，只持有股票，不再作任何买卖。
第七步骤： 在牛市中、后期有次序地慢慢出货（目标：牛市70%-90%阶段）
前面我们已经提到怎样掌握在股价最低点附近进货。一般上，最低点过后股价不会马上上升。开始时一般人是很难看得出来。当股价冲破阻力线，上升趋势明显时，它上升的力度才会渐渐加大。这时股价至少已上市了二、三十巴仙。因为我们已进够了货，这时我们最好的策略就是持股等待，不再作任何的买卖。
当股价上升了一段时间后（一般是7、8个月），我们便要特别留意股项的走势。这时就要留意股项的图表。当以下的情况出现时，我们便可考虑逐步逐步的出货：
1. 先看股项的 monthly chart。只有出现下列情况时，才能进入第二项。
a) stochastic 上升到 80 以上，短期线即将反转向下。
b) MACD 已进入正数高位区 ，同时短期线开始反转向下。
c) RSI 上升到 80以上范围。
2. 当有关股项符合上面条件后，再看有关图表的 daily chart。同样的，有关股项也必须满足a), b), c) 的条件。
一旦上面两项条件都符合，那便是有关股项的最佳出货时机。这时股价也许还会继续上升，不过在正常的情况下上升的幅度不会很大。我们至少已在最高点的范围附近了。
这里同样举出2个例子， 同样是KLSE Composite Index 以及 OSK的图表。
KLSE指数的monthly chart和 dailychart：
*** 注***
一般上，股市的牛市最高点比熊市的最低点较难掌握，因为熊市的最低点是在小户们丢无可丢下形成的（不能卖空），而牛市却是靠大户与炒家推上的。炒家是根据小户的反应来采取应对的措施。要是小户很醒目，提前把票丢给大户炒家，他们唯有刻意推的更高以便有机会出货。要是遇到炒家玩 intraday contra （等于买空后卖空），那么牛市的最高点恐怕有时就连炒家本身也很难控制，只能跑一步见一步了。
source: http://www.investalks.com/viewthread.php?tid=2490&page=10#pid105155
第六步骤： 股价上升超过20%后，只持有股票，不再作任何买卖。
第七步骤： 在牛市中、后期有次序地慢慢出货（目标：牛市70%-90%阶段）
前面我们已经提到怎样掌握在股价最低点附近进货。一般上，最低点过后股价不会马上上升。开始时一般人是很难看得出来。当股价冲破阻力线，上升趋势明显时，它上升的力度才会渐渐加大。这时股价至少已上市了二、三十巴仙。因为我们已进够了货，这时我们最好的策略就是持股等待，不再作任何的买卖。
当股价上升了一段时间后（一般是7、8个月），我们便要特别留意股项的走势。这时就要留意股项的图表。当以下的情况出现时，我们便可考虑逐步逐步的出货：
1. 先看股项的 monthly chart。只有出现下列情况时，才能进入第二项。
a) stochastic 上升到 80 以上，短期线即将反转向下。
b) MACD 已进入正数高位区 ，同时短期线开始反转向下。
c) RSI 上升到 80以上范围。
2. 当有关股项符合上面条件后，再看有关图表的 daily chart。同样的，有关股项也必须满足a), b), c) 的条件。
一旦上面两项条件都符合，那便是有关股项的最佳出货时机。这时股价也许还会继续上升，不过在正常的情况下上升的幅度不会很大。我们至少已在最高点的范围附近了。
这里同样举出2个例子， 同样是KLSE Composite Index 以及 OSK的图表。
KLSE指数的monthly chart和 dailychart：
*** 注***
一般上，股市的牛市最高点比熊市的最低点较难掌握，因为熊市的最低点是在小户们丢无可丢下形成的（不能卖空），而牛市却是靠大户与炒家推上的。炒家是根据小户的反应来采取应对的措施。要是小户很醒目，提前把票丢给大户炒家，他们唯有刻意推的更高以便有机会出货。要是遇到炒家玩 intraday contra （等于买空后卖空），那么牛市的最高点恐怕有时就连炒家本身也很难控制，只能跑一步见一步了。
source: http://www.investalks.com/viewthread.php?tid=2490&page=10#pid105155
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