He told us for those with pre mature ejaculation, can try Durex special condom, called Performax, Performa, Pleasure Max, Performax Intense. Don’t know why he said got different name. Inside the condom there is something to numb the penis head and delay ejaculation. He said very effective, delay ejaculation without feeling the numb and without losing the sensation feel. What is inside the condom is similar to what the dental use inside the mouth to numb our gum during dental treatment. So if it is safe inside our month, then is safe on men’s penis. He said it is not available in Malaysia, but can be bought in Singapore or can buy via online.
Peggy Method and Dollar Cost Averaging. Bursa Malaysia KLSE KLCI. Bookmark me, add me in your blog, like my facebook and visit me often.
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Saturday, September 28, 2013
Durex Special Condom for Pre Mature Ejaculation
He told us for those with pre mature ejaculation, can try Durex special condom, called Performax, Performa, Pleasure Max, Performax Intense. Don’t know why he said got different name. Inside the condom there is something to numb the penis head and delay ejaculation. He said very effective, delay ejaculation without feeling the numb and without losing the sensation feel. What is inside the condom is similar to what the dental use inside the mouth to numb our gum during dental treatment. So if it is safe inside our month, then is safe on men’s penis. He said it is not available in Malaysia, but can be bought in Singapore or can buy via online.
Sunday, November 18, 2012
Do YOU agree with ME?
Look at the following and see whether you agree with me.
I always hear people say don't convert the currency. For example, they say in Singapore the cost of living is very cheap, eg food, chicken rice only S$3.00, but in Malaysia is RM5.00. 5 is more than 3, so they say Malaysia is more expensive than Singapore. But I say if I convert S$3.00 X 2.5 will be RM7.50, more expensive than RM5. However, they always disagree with me, asking me not to convert. Keep saying $3 is cheaper $5 and they like to make the statement "you work there you spend there".
I can't accept this. I told them if UK selling at £2 (RM10), and Indonesia selling at 7000 Rupiah (RM2.24), meaning UK cost of living is lowest and Indonesia cost of living the highest? Cannot be right? But they still refuse to listen, keep saying you work there you spend there. Actually more 20 friends, relatives or family member always saying that. No one is on my side.
For me, we need to convert, but also need to compare with income. For example 12 years ago my friend with a degree started working, got offer from Singapore with S$1,500 pay and his Malaysia job offer him with RM2000, doing similar job. Assuming now starting pay S$2000 , and Malaysia is RM2700, I don't know the figure, just assuming. Chicken rice S$3.00 is 0.15% of S$2000. In Malaysia RM5.00 is 0.185% of RM2700. A better way is to use Per Capital Income.
Then if you tell me Singapore cost of living is lower because chicken rice only cost 0.15% of salary but cost 0.185% in Malaysia, I will accept.
Stop telling me "DON'T CONVERT, YOU WORK THERE YOU SPEND THERE".
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Friday, August 10, 2012
How to measure success in stock market?
There are many ways to measure success in stock market. Success here means gain from trading in stock market or gain from shares or share price movement. Someone made $2 million, may not be more successful than someone who made $1.5 million. Refer to the list below and you will have more understanding.
Someone who made $2 million is more successful than someone who made $1.5mil.
Mr F’s stocks value increased from $50,000 to $70,000. Cash $10,000 only.
Mr F is more successful because with total portfolio of $60,000 ($50,000 stocks and $10,000 cash) he managed to increase $20,000 or 33%.
Mr E with portfolio of $5.05 million, only managed to increase $30,000 or 0.59% only.
Mr H is an average working class worker with $200,000 net worth, he managed to make $80,000.
Mr H is more successful in stock market.
Mr J is more successful.
Mr T made deatailed study, attended seminar, do detailed analysis, buy and sell many times, and made the same $50,000 within 5 years.
Mr S is more successful.
Mr L made $100,000 within 10 years, Mr L now is 34 year-old.
Mr L is more successful.
Mr M is more successful.
Mr R made 200% from 2007 to 2011.
Mr R is more successful because from 1992 to 1996 the economy and stock market index perform better than from 2007 to 2011. More easy to make money from 1992 to 1996 than from 2007 to 2011.
Reason Why Squash is Not in Olympic
http://politemarket.blogspot.com/2012/08/reason-why-squash-is-not-in-olympic.html
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Sunday, August 5, 2012
Reason Why Squash is Not in Olympic
The 2012 Summer Olympics in London have 26 sports and two additional sports will be added to the 2016 Summer Olympics in Rio.
One sport, can further divided into several disciplines, sometimes being commonly refereed to separate sports. For example Aquatics has five disciplines, 1) Swimming, 2) synchronized swimming, 3) Diving, 4) water polo, 5) open water swimming
A Discipline can further divided into several events, and each event a gold medal is actually awarded.
The two sports that will be added into the 2016 Olympics are Golf and Ruby Seven.
Bowling, Squash, Snooker, Karate, etc will not be in the 2016 Games.
Why Squash is Not in Olympics?
The committees are mostly concerned about the difficulties in televising the sport. Camera angles are difficult and hard for audience to see the ball. Also, the argument between referee and players.
The Squash Committee has made some changes and hopefully the sport will be in the 2020 Olympics games.
Changes:
1) Glass Floors and wall
2) New scoring system
3) Extra referees
4) Video replays inside venue
Now that with High Definition (HD) camera/ TV, it overcomes the concern that TV viewers unable to see the ball.
With World Champion Nicol David from Malaysia, I think most Malaysian will want Squash to be in the Olympic Games.
I want to say that Datuk Lee Chong Wei did a very good job, so close. I think we should not have the mentality that we can only win our first Olympic Gold Metal via Squash. With so many countries managed to do it, I think Malaysia Boleh.
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Thursday, August 2, 2012
How to use Growth-share matrix to invest in Stock Market
Basically the Growth-share matrix is a chart divided into four sections:
1)Stars
2)Cash Cow
3)Dogs (Pet)
4)Questions marks
STARS
This is where the stock that we bought is performing or has very great potential and recommended by many analysts. The company is announcing growth in profit. The share price is increasing. We all are very happy. Although sometimes due to poor market sentiment, the share price may drop, but because the company is achieving growth in profit, we know sooner or later, the share price will increase.
CASH COW
This is where the stock that we bought is paying very high dividend. Many prefer to buy Stars stock, but Cash Cow has its own advantage.
Stars stock price increase may take time, but as for Cash Cow stock, we receive good dividend very fast.
Some people may use Share Margin Financing to buy shares. Therefore, we need some cash to service the interest. If we buy all Stars stocks, if the price drop temporary due to poor market sentiment, we may be subject to margin call or foreselling.
Sometimes, during poor economy the Stars may be hit and may suddenly make much lower profit or even loss. Cash Cow stocks are in business that are quite stable. Also, the Cash Cow stocks generally the prices are quite stable, even during poor market sentiment.
Therefore, we buy many Stars stocks and buy some Cash Cow stocks as a defensive strategy, and reinvest the dividend we receive.
QUESTION MARKS
This is the kind of stocks that is very risky, but if successful the reward can be extremely good.
You just don't know whether to buy or not. Example many trouble penny stocks if successfully turnaround, the stock price will shot up sharply. But if not, then it may be delisted.
Another example is where the Company may be having some risky project and if successful, the profit can be very great.
Many may want to buy some of these stocks due to the potential great profit. But due to the high risk involved, you may just buy smaller amount because you cannot risk losing most of your money.
Other examples are takeover, pending restructuring, new company, small company, new projects or venture, penny stocks, call warrant, etc.
DOGS (PETS)
Dogs are the stock that you know probably you will lose money if you buy it, but you still want to buy. Based on past experience, you know that if you trade speculative stocks, chances of making money is lower than making losses.
But due to emotion, you have no choice and you still buy. You saw other friends are buying and you want to follow. You heard tips and rumours.
Many people will tell you don't buy and just focus on fundamental stocks. Do you think is easy to control our emotions? That is why so many people make losses in the stock marker. Especially remisiers and dealers who sit in front of the stock prices screen very day, it is not easy to control their emotion.
Can buy, but use very small amount to trade.
If you lose money in stock market by buying Dogs shares, consider it as learning, charity, and playing games. By the way, not all the times you lose. Sometimes dogs share price can increase sharply and you can make very good profit.
CONCLUSION
If we buy all Stars, sometimes we may have some problem.
If we buy all Cash Cows, profits are not so great.
If we buy all Question Marks, and if not successful we will lose a lot of money.
If we buy all Dogs, chances of making losses are high.
In my view, I think for non-expert investors, we can allocate our portfolio into the four BCG Growth-share matrix . Buy many Stars, then some Cash Cows and Question Marks. And finally, use very small amount of money to buy/trade or speculate dogs. If you can control your emotion, then no need to buy Dogs.
Sometimes it is very hard to differentiate between Stars and Question Marks. Dogs and Questions Marks. If in doubt, put them in Question Marks because you are having a question on where to put and the name is already being called "question marks".
BCG Growth-share matrix in stock market is something that I came out with and I have been applying it for few years and has been successful so far. Hope it can help non-professional or non-expert investors in stock market.
Please note that the above is just my opinion and a case study for myself and is not an advice. Please read the disclaimer clause in my blog. Please consult your investment financial adviser.
Two years ago I already have plan to write this article. The reason of waited for two years is because I normally post short article and I considrer this is long. I was quite lazy to start writing. I really hope there is at least one person who like this article.
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Wednesday, December 28, 2011
Bayu @ Pandan Jaya review
The location is immediately after the Pandan Jaya LRT station. Block A is nearest, just after the car park of the LRT station. It is along the LRT track heading the MRR2 direction. But in front of Block A, there is a water treatment plant.
The starting price is RM450k and I randomly picked a unit on 7th floor, the price is RM499,000.
They only have one direction. All the balcony are facing KL Centre, and can view KLCC indirectly. All the main doors with corridor are facing LRT tracks . Because they only have one direction, the density per floor is quite low, only 8 unit per floor.
2 car parks per unit. As usual they will absorb the legal fees for S&P. But buyer will have to pay the bank loan legal fee.
Developer is Extensive Gain Sdn Bhd. Melati Ehsan Group. They asked Kim Realty to sell. Melati stock is listed on Bursa Malaysia and Melati share price is RM0.74 very thinly traded and most of the times are untraded.
For more info on Bayu @ Pandan Jaya:
http://politemarket.blogspot.com/2011/12/bayu-pandan-jaya-condo.html
Other articles:
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Friday, July 29, 2011
Is GOLD money? Or is it a commodity?
If gold were simply bought for its industrial use things would be much simpler...
IS GOLD money? Or is it a commodity? asks Julian Phillips of GoldForecaster.
If gold is a commodity then it rises and falls as a result of the ebb-and-flow of the economies that use it. If so, it will move in synch with the financial markets cycles and remain subject to their dominance. But when it comes to gold and silver, nothing is that simple!
If the bulk of the demand for a commodity is contracted to buyers, then the only influence these contracts have on the price of the commodity is through the referencing of that supply to the market price.
The supply of the metal in the open market outside of contracted amounts is the quantity of that metal that determines the price of the metal. Call it the 'marginal' demand or supply. This supply is sent to the open market for buying by non-contracted buyers. It could be just to top up for unforeseen demand, or it could be to sell overbought amounts. This determines the liquidity of the market.
On top of that, speculators frequently enter the market taking a view on demand and supply expectations, taking off supplies to force prices higher or introducing them, to force prices lower. In a pure commodity market, these views are based on industrial demand/supply expectations.
But gold is not so simple or predictable. Most buyers of gold do not Buy Gold for its industrial use. Where it is used in industry it is done so for hi-tech purposes, which is relatively price-insensitive. So the price of gold has little bearing on the demand from industry.
Gold is used to decorate people in its Western jewelry application. There is little sense of showing off the extent of your wealth when wearing gold in the West. Additions of jewels and artistic presentations add so much to the cost of such jewelry that the price of gold in such jewelry is a minor factor. This type of jewelry demand does fluctuate with the state of an economy, but such demand is a small component of the gold market.
In the past it has been an influential one, particularly before the eastern markets 'emerged'. Add to this the determination of the jewelry trade to extend Buying Gold down to poorer people's levels by lowering the purity of the gold sold. This increased the vulnerability of the Gold Price to the state of the developed world economies. Such demand became the 'swing' factor in the Gold Price.
This too was at a time when central banks were not only out of the gold markets but encouraging a heavy increase in supply. As a result, analysts' studies placed great emphasis on western jewelry demand.
Then at the turn of the century, the gold market changed its shape. Asian markets 'emerged'. The driving force behind their buying was totally different to western attitudes. They followed the maxim, "One buys gold, not to make money, but because one has money."
The gold bought was nearly pure. It was bought because it was treated as money and money of a higher quality than currencies. When used in jewelry, it was a statement of the financial security of the wearer. Nothing could be more different than the Western view of jewelry. Central banks changed their attitudes to holding and selling gold then too.
These structural changes altered the dynamics of the gold markets. Over time, investment demand grew to become by far the greatest source of demand for gold. In addition, central bank-inspired supplies (through their encouragement of increased supplies) stopped and gold producers became a source of demand. This happened for a while as they bought back previously sold gold. Central banks cut back on their supplies to the market until they stopped selling and other central banks began buying.
But more was changing in the gold markets. As the ability of currencies to give an accurate measure of monetary values decayed, gold began to fill the hole they left. This aspect of value grew to the point that the Robert Zoellick, head of the World Bank suggested that gold be used as a reference for value measurement. The concept has taken hold again, but as a banker, Mr. Zoellick has remained silent since then. His silence, while deafening, has reaffirmed gold's inherent value. After all, as Alan Greenspan, the most famous Fed Chairman said, 'Gold is money in extreme times'.
Its monetary value lies in its remarkable quality of being both an asset and liquid cash, globally and in all circumstances.
Currencies can't be this. They remain the obligations of one nation or another, dependent entirely on the reputation of the nation printing them. Gold is considered money, without the strings that are attached to national money. Investors from central bankers to Indian or Chinese rural farmers believe that gold is a counter to unbacked currencies issued, at will, by national governments all over the world.
Gold has no nation.
It carries nobody's obligations.
It's what enemies will accept from each other.
The concept of consuming gold is no longer a part of this gold world. These structural changes cut gold off from being just a commodity.
Gold is not a commodity!
Julian D.W. Phillips, 21 Jul '11
More info on Gold
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Disclaimer
The information contained in this blog is my personal diary and has been prepared solely for myself. Without any previous reading material or discussion, by just reading my blog contents, reader may misunderstand the contents.
All the contents I am talking to myself and most contents are hypothetical or imaginary. I REPEAT !!! most contents are hypothetical or imaginary!!!!!
This blog has been compiled in good faith, with no intention to cause hurt, loss, or any trouble. No representation is (either express or implied) as to the completeness or accuracy of the information it contains.
This blog also is not an advice, recommendation or an invitation to buy or sell or invest in anything, eg shares, futures, derivatives, gold, etc. Consult your investment adviser before making any decisions.
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