12.9.2014

The mistakes made by me definitely bring her to the ground. 

Today, Siao fong will be attending the kem pimpin organised by USM. Somehow, I have no idea why my temper was so bad ! 

I woke up at 6.30 by several messages alert(purposely made it loud so that I could wake up) 2 from her mum and 2 from Siao fong. 

I received her message and she told me that she wanted to have a shower 1st. I was in a semi-conscious condition and still very sleepy most probably due to the lack of sleep in this hectic and stressful exam period. 

I waited more than half an hour and became impatient and started to wondering why she haven't finish. Finally, she called me at 7.10am and of course my temper and emotion is uncontrolly bad. I grumble these and that. She was not in good mood when she heard the words spoken by me.

She was then begin to cry. 

Today will be the 1st time we are not contacting each other since the day we were in relationship. 

I hope you the best, stay healthy and stay happy! 

I wanted to apologize to you so badly. I knew I have done a mistake. 

Sometimes, when we are in a clear mind we tend to have a bigger image, we tend to think of the passed, we started to think of our mistakes.

Sorry Siao fong.You are really important to me! 

10.9.2014

Education should be full of excitement, boost the mental power of the people, increase the knowledge, curiosity, and of course skills. 

But does the education in this modern century meet with the objectives ? 

For my opinion, I think education nowadays more emphasize of marks, performance rather than meeting the mentioned objectives. 

Society judges a person with the academic performance, employer fix the salary of employees based on the education level. We are told to mix around with friends with good grades since the day we started our school by our parents. 

14/08/2014

心真的很痛，被你那么自私的对待。

那么久了，为什么你还是那么自私自利？你不开心的东西我就改，可是最后还是接受到你这样的对待。

我知道她忙，我没有打捞她！等待到十一点，心情很承重，打个电话给她，原来很早就到家了，而且在弹钢琴。

我突然发觉自己真的很笨，相信她所说的话。

心情蓬勃

最近发觉自己越来越无法专心，心里的心事也是没有人可以诉说。

说真的，我觉得和晓风的感情也比较淡了，我们最近都很容易起争执。

最近也不敢烦晓凤了，虽然等待的心情不好受，可是我知道，我不能再像之前一直纠缠她了，因为她要准备上大学了。

我能做的除了祝福，我什么都做不到了。

说真的我对自己也没信心，可是我知道我不能再烦她了，所以有心事没人诉说就打打部落格过一天。

有些东西是你的就是你的，不是你的，再努力也没用。

14/8/2014

Today visited to Hospital Sg long. It was just a half-hour drive from Utar Setapak campus. We reached there at around 9.30am and we witnessed the current exist Utar campus and the on going construction of new building. 

The area was surrounded by hills and a lot of trees. The air is fresh and obviously it is not polluted as at Setapak area. We were welcomed by the Chief of Nurse and operation manager. During the tour, we met the chief of pharmacist, Doctor from the devision of emergency and so on.

We visited the whole hospital and roughly have an idea of how hospital is being operated. There are several divisions and in each departments, every stuffs have an important roles to play. As hospital is a place to dealing with human life, any mistakes will cause serious consequences. Chief of pharmacy had told us that a slight different dosage of drugs will cause a therapeutic effect and it is important to be careful.

We were given a fresh refreshment to fill our hungry stomach. After that, it was the end of the day. This visit was a nice experiences as it was the real exposure to the real world of biomedical.

A Painful Lesson

I will not forget this painful lesson in my lifetime, as I had brake the rules in investing which is-gambling.

I sold all my shares which are profitable in the mid July to prepare for buying the IPO of Heng Huat.

It was unfortunate that I did not get the draw from the IPO, but I'm still hopeful that I keep on telling myself that I will buy on the listed day - 25/7/2014.

In the morning, I received a call from my girlfriend's dad telling me that the opening price is RM0.60.

I think my brain was not functioning that I forgot that RM 0.60 is nearly 30%+ from the initial price offering of RM0.45.

I placed an order of 32000 shares with price RM0.615.

In just 5 minutes, the share price dropped to RM 0.55, I was so scared that I sold of my shares at the lowest price ( I bought at the 2nd highest price and sold at the lowest price)

It was not the end of my stupidity, the price was fluctuated to RM 0.595 after I sold. I was so regret and I bought it again at RM 0.595. At the same day, I lost 3k ! It was a hard work to be profitable in the market, you have to read blogs, books, announcements, annual report, quarter report and so on. But if you have a wrong mindset, you will just end out like me. I will not try this again in my lifetime.

I'm now aiming to do a long-term investor rather than short-term. Although I am young enough to take the risk, but the experience told me that long-term invest will still is the most profitable ways.

My current portfolio is left with construction and properties stock:
IOIPG
MITRA

Both these counters were deeply undervalue and have a lots of lands.

HENG HUAT IPO

LISTED DATE      : 25/7/2014
MARKET             :ACE MARKET
Co-founder            :H'ng Choon Seng( MD ) , Kee Swee Lai ( Deputy MD)

SUMMARY

1. 

• Founded in 2007 
• Main activites: Manufacture of oil palm empty fruit bunch( EFB ) , Mattress
• 2 coconut production lines, 20 oil palm EFB fibre production lines, 2 Briquette production lines, 3 coconut fibre sheets production lines.
• Dividend policy 20%
• Major customer : more than 10% of revenue=  'SHENZHEN YUEMAO'(DEPENDENT ON THIS CUSTOMER)
• 30 competitive customers( RISK FACTOR)
• 52.22% Of revenue is from China customers.
• No long term contract
• Major supplier ( AKSB, YIP SHUN TING) 
• PLANT 1: HK KITARAN ( PROPOSING TO PRODUCE EFB )
• PLANT 2 : EXPANSION OF HK KITARAN 
• PLANT 3: FIBRE STAR ( MATTRESS, landlord is HH furniture)
• PLANT 4: RELOCATION OF PLANT 3
• PLANT 5: HK PALM FIBRE
• 60.29 % of total workers form NEPAL out of total employees of 549.

2. 

Heng huat         = INVESTMENT 

FIBRE star       = Mattress

 "  " Marketing  = Marketing of mattress

HH                  = Investment 

Subsidiary of HH industries

• HK FIBRE                                  : Coconut biomass
• HK KITARAN                           :Oil palm
• HK MEGA                                 :Dormant
• HK PALM FIBRE                      : Manufacturing and trading of oil palm

COMPARE OF THE PREVIOUS 3 YEARS

EPS:PAT/NUMBER OF SHARES=6.42sen

NTA                                              =0.23sen

CASH                                           = RM6,730,000

DEBT                                            =RM36,800,000 

* NET DEBT COMPANY

PE                                                 =0.45/0.00624=7( <10 considered="" div="" for="" is="" me="" normal="" still="">

一个月不见！

很顽皮的你^_^

远方的你还好么？

听到你不舒服我真的很着急，请你原谅我只是能在电话上问候和叮咛，却不能实际上帮助你。

看到你最近为了感情做出的努力改变我真的很心动，你让我知道我每爱错人。

其实蛮担心你要出外读书了，可是我却什么也不能做，只是能默默的祝福你，希望你得到你想要的科系。

那天去Counselling week campaign，负责人叫我画meaning of life。

我画的好简单，我也希望能和你一起这样简简单单的生活。

我在这里还好，不要担心我：）

我爱你，我想念你了! 

People tend to say that : " When you get older, you will have gain lots of knowledge, know the meanings of life, know to appreciate the things you have missed before, improve the emotional intelligence to become a person with wisdom and well temper."

But the things I realized until this moment is that , when the time passed , when I am growing up, I can't enjoy the life as before which I can worry less and play more. I found out that the things I'm worrying is just keep on accumulating and I'm unable to persuade my inner mind to worry less.

I just couldn't figure out what is happening on me as I tend to think in a more negatively ways which I usually do not practice it.

I lost my way in the middle of deserted island. I searched my way out, and I am getting nervous and nervous. I know I'm shortage of waters, and I have to replenish myself as soon as possible, but finally I sit down under the shed of an old tree. I looked on the tree. Well old tree, you do not need to worry anything and you get water from the sky. And now who is going to save me ?

I am confused with the purpose of life.

五月的放假

虽然放假已经在两个星期结束了，现在post显然有点迟了，可是人在灵感没时真的很懒惰，一直怠慢所以就一直忘记post我和晓凤在一起的时光（ps：现在在festival mall 的一个角落坐着打blog）

两个星期多的放假，我们都是几乎都每天见面的，这次也更多户外活动，晓凤也活泼起来了。

听晓凤说她想尝试户外活动，所以在放假前我在groupon看到Escape Team park 有折扣，所以就一口气买了三张票，其中一张浪费掉，因为妹妹有考试。当天我们六点这样就起身，然后爸爸就在我们两个到码头。这是晓凤第二次做公共巴士，第一次也是和我：）可是这次我们两一起追巴士，一起跑到真的好远，晓凤真的好喘，她的第一次！一路上一起看风景，然后接近一个小时后就抵达目的地了。

我们在外面尝试卖票，可是失败收场。

在我们要进入theme park 的时候，发生写不愉快，管理员叫我们把水倒掉，我真的很不满，只是闹了下，也不想影响心情，所以依依就范。。。

我和晓凤完成level 1 @2 ：） 晓凤真的好棒！隔天晓凤和我的肌肉都好酸痛！

这次回去也一起吃了两次的buffet，一次是在heaven delight 然后接着是在Tao，我们都比较喜欢后者^_^

和我的家人一起吃Heaven Delight

也是和我的家人一起吃Tao

Penang Times Square 's Roti Bakar (好吃可是有点贵）

然后就是拍了最多张照片的一次，Penang Times Square 的水晶展览，超级大！

晓凤妈妈帮我们拍的^_^

最期待的—婚礼，希望改天我们是男女主角啦！加油！

这次回去也花很多时间在晓凤的interview 帮她练习了好机会呢！然后还陪她去USM，UPM！

希望她能得到喜欢的啦！

UPM 面试！

晓凤笑得好开心！我在楼上看着她，然后一直做她笑！

在玩Monkey Swinger之前，哈哈！我的晓凤很可爱对吧，美女^_^

一起在Capital Mall 拍的

去Dragon Ball 吃巧克力水果，第一次吃，不错!

两个人下午跑去吃冰

这次假期虽然短，可是两个人一起有好多互动然后也去好多地方吃，感情也更上一层楼！我爱你晓凤，好好照顾自己噢！期待下次的见面～

晓凤亲自为我画的，真的好像！

和晓凤在一起已经三年半了，吵架当然有，可是我们更了解对方...

我们包容对方，我们一起努力，一起为我们的幸福打拼！晓凤，我爱你！

Long Distance Relationship

To be honest, I never thought that I will fall in this group before I began my relationship with Siao Fong.

I have been studying away from home nearly 3 and a half year, and the chances of meeting each other is getting lower and lower.

Currently staying away of Siao fong with a distance of 400 kilometer plus. Phone, skype are our communication tools. We used to chat every day.

I am quite jealous of seeing some people getting enrolled in a short distance relationship which means that they can see each other nearly every day, doing things together, going to school together.

I am on the other side from them. I cannot see siao fong quite often(Perhaps after few months),we cannot study or doing things together. All we can do is just pressing the electronic gadget to chat.

Siao Fong will be leaving for study in a few months time and I think the chances to meet each other will depend on the luck.

I cant describe what I'm feeling now ...

A bit of frustrated and tired perhaps? I have no idea...

31/5/2014

好久没写部落格了，这个星期是week 1，大致上还是比较有空...

昨天刚拿到sunreit 的dividend，算是把他花掉了吧。这几天开销都比较大，因为我的好朋友-建豪来ktar读书，然后也是住附近而已。

一年多了，难得第一次有人叫我去打羽球，陪我聊天，陪我去书局，吃宵夜...

感觉好像回到中学似的...

带我去入行打dota的朋友，曾经因为DOTA逃学，弄父母伤心，没去补习，一直去CC，然后也无心向学...

幸好过后中四未就完全停止了，说起来我的意志也蛮坚定的，看到周围那么多朋友一直往谷里跌，我却有幸从谷里怕出来，看到了阳光...

在建豪还没来时候，很多时间都是我一个人...被人可能认为我孤单，可是只有我自己知道，我其实还是快乐的。

如果没遇到谈得来，真心的朋友，那交往又有何处？

我绝不会因为没朋友，而故意去做出讨人喜欢的行为，因为根本没有必要...

我不喜欢和拍马屁的人在一起，也不喜欢和只会读书然后其他东西都不会的人在一起，我喜欢可以和我谈谈我的兴趣，谈谈课外的东西...

现在的女朋友能让我那么执着是因为和她在一起真的很自在，她耐心的聆听我所发生的事情，很多时候也一直给我意见，鼓励我...这才是我想要的...

生命只有一次，无需故意讨好别人而苦了自己。。。

主力Mitra jaya

曾经take过的大型project
Kuala Lumpur International Airport (KLIA),
KL's Light Rail Transit System, 
the CyberJaya Flagship Zone 

公司重要的人物：Tan eng Piow

• 59岁
• founder之一
• 1977年在马大毕业（civil engineering）
• 拥有35+在construction的经验

1994年上市

Group structure

Construction,

Property Development

Health Care(Optimax)专门做关于眼睛的东西

Manufacturing and Trading 

Others

2013 EPS ;7.44 ; NTA : 0.88 ; ROE：8.45（7.44/0.88）

2012 EPS ;4.64

2011 EPS ;20.49

2010 EPS ; 48.61 

Current Order Book

• Symphony hill, Cyberjaya( 277.4 million)
• City campus development (111.8m)
• Setia walk (65.6m)
• Johor(37.3m)
• Kelana jaya LRT (46.9m)
• Ampang LRT(59.255m)
• Shop office (79.4m)63 units 2 storey terrace houses at Zone 10E, Precinct 11, Putrajaya for a contract sum of RM20,528,529.80 (“the Contract 1”).

• 25 units 2 storey shop office, 4 units 3 storey shop office and associated works at Precinct 8, Putrajaya for a contract sum of RM12,878,676.20 (“the Contract 2”)

Landbank 市价大概600m（MD表示地价为成熟，等到地价成熟才愿意拿出来发展）

我是在0.69买进mitra

现价0.91

PE:12.23

虽然股价已经上浮许多，可是仔细观察可以发现tan eng piow 一直在买回股票

proposed buy back

我的偶像

我的其中偶像之一就是我的爸爸。

为什么那么说呢？
爸爸很独立，从小什么都直接来，没去补习过，考的是自己的努力和毅力。以前爸爸的家里很穷，爸爸必须去砍材，採辣椒等等然后拿去卖。

爸爸住parit buntar 可是为了增强自己的英文，自己一个人跑去Penang Free School 读。过后读form 6 然后考到不错的成绩，曾经登上报纸。过后被NUS（亚洲第二大学接受）读Mechanical。半工半读。也多亏妈妈辛苦赚钱供爸爸读书，爸爸毕业后就去美国读MBA。

现在其实算很成功了，可是还是一样勤恳，努力，为了这个家奋斗，从来没有任何抱怨。

做工了三十多年，每天还是迟睡早起。

看到爸爸一头白发，心里真的好心疼，我做么差别那么多...

《投资》

从18岁开始投资信托基金。

还记得那时生日一过，就到银行问投资什么比较好（那时我什么都不懂），一个女的介绍我insurance，一个男的介绍我unit trust。最后选择了后者。

好兴奋有了用自己名字注册的投资。过后慢慢去了解信托是怎么运作，回酬率等等。开始选择了Dollar Averaging Method,也就是每个月定期在你的银行户口扣去RM100,然后再买进你选择的信托。这样一来可以在低时买入比较多的units，高时就比较少。

过后，我慢慢去研究precious metal， 然后买进gold。金的起伏要看通胀率等等。通常股票跌，金价就上浮。我很冲动的买进，所以过后卖出时是没赚没亏的。

最后也是我维持到现在的，就是投资股市。开始我认为股市是很冒险的，可是过后去买了Rich dad poor dad 的书后就想要试试，我自己比较每间broker抽的水钱，然后选到Hong leong bank。

一个人自己跑东跑西，不会的就问，然后找到自己的broker。

很多人对投资的误解就是，很冒险...

这段时间里，我领悟了，其实投资并不冒险，投机才冒险...

什么是投资？

投资就是把你的钱，寄托在一个你信任的公司。你相信其公司有许多成长的空间，有着浓厚的dividend，有着良好的管理层。

你投资一间公司，你就是公司的小股东，你有权在股东大会上发问董事们有关公司的问题例如为什么bonus那么高，为什么revenue减少等等。

投资不是靠着自己的预感。

要多看书，看annual report， 看季报来增加自己的知识和了解现在的趋势。

现在资料很容易找到，在于你愿不愿意去做而已。

STEP INTO YEAR 2

Finally, finished my Year 1 studies. Although still got another 3 more years to go, but finishing a year give me a great relief when I looked back the year ago.

Most of my friends know I shifted course from Biomedical Science to Biomedical Engineering after finished my Semester 1. But seldom of them asked me why.Perhaps they might think that I failed in the course as I of my lecturer did say like this to me.

我并不是因为考不好而换course而是因为我没有兴趣。我的pointer那时还是3以上。

为什么我会换？

当我去见我的academic adviser 的时候，她DR.MICHELLE看到我的spm，foundation的成绩，physic都是A+和A，然后Bio较低，就问我为什么选这个course，那时我中stunned，答不出，她鼓励我换course。

从那天起我内心开始有了一股火，就开始找资料了。找了很久，找到BIOMEDICAL ENGINEERING，看到course structure 觉得不错，电子，mechanical，biology，chemistry和physic都有，可以说是综合的course吧。

然后我比较外国的，看看jobstreet， 这个course还是很冷门。结果我考完final的那天就开始忙了，apply 那个换course的application。

刚开始

来到一个陌生的地方，没有认识的朋友，我带着自己的梦想，就这样一个一个难关都渡过。

在朋友家睡地上一个星期，自己搭公共巴士，LRT等等，都是新的尝试。

回头一年，真的觉得自己很勇敢，我没有后悔，我很感恩父母和晓凤的支持。我做对了选择！

Year	Invested	Compound earning		Total
2014	9000	12%		9000
2015	1000	12%		12000
2016	1000	12%		15600
2017	1000	12%		19920
2018	1000	12%		25104
2019	1000	12%		31324.8
2020	1000	12%		38789.76
2021	1000	12%		47747.712
2022	1000	12%		58497.2544
2023	1000	12%		71396.7053
2024	1000	12%		86876.0463
2025	1000	12%		105451.256

网上看大8k前辈的分享，然后自己也在Excel来试试看。8k前辈是以一百万作为例子，我呢，心知肚明自己的能力，先过百千再来打算...

我开始投资数额为九千，如果每年继续投资一千块，然后每年compound earning 为12%，到2025就有一百千...

Compund Earning 12%高不高呢？

对我来说还好吧，找4个DIVIDEND YIELD 维持3%以上的就可以了，如果买入的公司还有成长那数字可能更高...

New members :

7/4/2014

昨天和晓凤的妈妈聊了很长的时间。也知道晓凤默默的为我付出，可是我却有时误会了她。晓凤的妈妈问我，你觉得你了解晓凤麽？我说我知道晓凤的为人是怎样，知道她的性格是怎样，可是晓凤有时不会把东西告诉我，所以我说我还是需要时间来更深入了解她。

我冷了晓凤叫妈妈买被单给我，怕我省到饿肚子买了饼干给我，知道我有时生病就叫妈妈买VIT C，知道我要考试就一直鼓励我，知道我伤心的时候，就平复我的心。

我问自己我还能要求什么？我真的很幸运能够遇见晓凤。。。绝世好女人!

对自己有时错怪，误会她，真的好自责，有几次弄到她伤心生气。

别人觉得我们稳，可是背后的故事只有我们两个人知道。。。

多少的努力，付出。。。甚至泪水 :)

29/3/2014

今天天气阴凉，下了雨，今天也是EARTH HOUR!

昨天第一次把手那么肮脏，在FESTIVAL MALL的垃圾储藏室外分类垃圾，当垃圾到出来的那一刻，那个味道真的好重，虽然如此，我还是忍着把所有垃圾分类好。

昨天的活动让我得晓垃圾可以分类成那么多种，纸类有分mix，黑白，黑白比较值钱。

一个意义的活动，让我认识一个UK的朋友，让我看到世界有些人摸摸的为地球付出没有半个埋怨，那些aunty，uncle 已经可以退休享福，可是他们却不选择停下来，继续为世界尽一份力量。这也是我欣赏慈济的地方，一直用行动证明，而不是靠一张嘴巴。

                                                                                                                                                              


说到行动证明，我也是答应晓凤，我会用时间和行动证明。想当年晓凤和我之间有着一道墙，她对我还是有所提防。对我也是保持距离的。

从2011年十二月七号到现在，我们经历和好多好多事情。感情不是一帆风顺。有时也会有暴风雨的，最重要是暴风雨后，结果如何，有没有那种对抗种种暴风雨的毅力，恒心。