Archive for May, 2007

Time Value of Money

When we are talking about investment, we always try to find the best one that provide the highest percentage of return with the lowest risk. The search for this holy grail sometimes put significant delay into our investment journey. We thought the money will work harder once we found the correct investment for us. We never realize that the time lost really cause us to lose money. The graph that I take from Kakti’s blog might be the best way to explain the time value of money.

Time Value of Money

Although he save RM1,000 a year for the next 38 years, he still cannot match the amount of money that Bonnie gets for saving only 10 years at the early age of 18. The earlier you start the lesser amount you have to save and you donโ€™t have to seek a very high interest rate.

So to me, the best time to invest is not when the market is high, low or whatnots, but the best time is now.

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Goodbye Nuffnang

It has been several weeks now but I haven’t received any advertisement from you, nuffnang. I have been very patient those days because I thought you would need some time to gather enough information about me. But my waiting has been paid with nothing but ‘1 little 2 little blogger’ ads. Besides, you have been bottlenecking my bandwidth, forcing my other visitors to wait and wait. So I guess this is the best time to let you go. It’s sad indeed but this is the best way for both of us. All that I can say is, there is no chemistry between us. Goodbye… nuffnang

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Update on my one year Public Mutual Fund

I invested in both Public Ittikal and Public Regional Sector Funds on 29th June 2006. So now it is around one year since then. Here are performance charts for both of them.

Public Ittikal Fund:
Public Bank Mutual Fund Ittikal Performance Chart graph

Profit: 47.33%

Public Regional Sector Fund:

Public Bank Mutual Fund Regional Sector Performance Chart graph

Profit: 35.44%

But don’t forget about the management fee and agent fee which is around 6.5% if I’m not mistaken.

I’m going to meet with my agent soon. My next step transfer my regional sector into some islamic fund. I haven’t thought about which fund yet(any idea?). Then, I’m going is to set up standing instruction to do regular saving into the funds.

That’s all for now. Will update after I’ve met with my agent.

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First Day in Malaysia

I arrived at KLIA at 6.00am this morning. I was picked up by my brother and sis in orange Gen2 just like last year. I thought I could see another sunrise at KLIA’s barren highway, but the dream was happily ruined by heavy rain and dark cloud. We chat and laugh through the journey and ended up in a mamak restaurant to have my first meal in Malaysia, the long-sought Roti Planta!

I went to Jalan Pasar to find step down voltage converter for Roomba. I thought I could use it in my brother’s house but the converter stop working in just 2 minutes. Much to my disappointment.

Tomorrow is my COD time with my customers. I’m going to meet them at Midvalley. Hope everything will be okay.

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Lowyat Bulk Buddy

It’s has been awhile since my last post. Final exams for the past week leave me no time to write something insightful for this blog (hehe excuse,malas actually). And today I’m flying back to Malaysia for Summer holiday ๐Ÿ˜€ ๐Ÿ˜€ ๐Ÿ˜€ . So, the next post that you are going to see in this blog will be written from Malaysia.

OK, let’s get back to business. Being an opportunistic man, I try to (ethically) take every moment in my life as money-making opportunity. And going back to Malaysia is one of it.

Lately, I have been organizing several bulk in Lowyat.Net. My business model this time is to help Lowyatians to buy some hard-to-get or cheap stuff from the United States. You can find my bulk threads here:

USA Bulk

VX Revolution Mouse Bulk

G5 Mouse Bulk

I cannot disclose how much I make from these bulks as they ain’t over yet. But to give you a picture, I’ll describe my last year bulk as well.

Early last year, there was an online hype about the best mainstream earphone Koss KSC-75 in LYN (lowyat.net). Plus there was insufficiency of stock in local market so this added up the hype. It was priced around RM80-RM120 in local stores. What seemed to be lucky to me, Radioshack was holding 50% discount on Koss Ksc-75 rendering the price around RM35 per piece. Then I opened up a bulk thread in LYN and easily filled up 40 orders. Those Koss plus some Corelle for my mom took all space in my first luggage. At the end, skipping all the hardship doing the bulk, I earned back around one third of my flight ticket to Malaysia. Not bad I guess.

I hope this year’s bulk is going to be as well as the last bulk. I really enjoy meeting up with new people especially forumers as they have tons of knowledge and passion about the things they like. I can’t wait to meet them all.

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Some changes to my Blog

I just want to make an announcement of some changes in term of layout and extra functionalities.

First of all, I’ve changed Nuffnang placement to more visible spot. It’s has been a week now but I still haven’t received any advertisers ads ๐Ÿ™ . Maybeย  after the placement more advertisers will be interested to advertise in my blog. (hopefully2).

And there is a new plugin called top commenters in the sidebar. The plugin will track users comments and display the top 5 commenters name in the list. It will include the link to commenters website without nofollow tag. This will make your website visible to search engine robot and will give your more pagerank point by having referred by this PR4 blog. So I hope you will be more motivated to share your thought in my blog. The plugin will reset the counter monthly.

I hope these changes will benefits both the visitors and me.

Regards

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