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Tuesday, October 21, 2014

Why I have not heard of this insurance plan before?

We normally heard of savings, medical or hospitalisation, education, etc. But after many years, some of the points I have gather the information for myself:

Hospitalisation. If anything happen, insurance will pay. Some people didn't buy. Why? If anything happen, go government hospital. I thought I can agree with that. But recently a friend of mine have a very bad encounter with government hospital. Long que. Wait. Scan and come back weeks later. Furthermore, kidney dialysis need to go private.

A friend of mine got high blood pressure, then the insurance premium shoot up very high. Some insurance will not accept if we already have existing sickness.

Savings Plan. Some don't like savings, because if anything happen, can the savings plan cover? Enough? But now we may want to buy more savings plan, because if anything happen, family have a lump sum of money.

Another friend of mine also, unable to work for 8 months, he said few more months will have no pay.

What is something new to me is Travel Insurance. I know what is it, but now I know how important it is.

Travel insurance. Someone I know just traveled oversea, fell sick and incurred very huge medical bill even in the government hospital because he is a foreigner in that country. He bought insurance, so can cover some of the cost.

If we trapped in the underdeveloped country, going to die because lack of medical support and need airplane to fly us home, you think airplane will fly you home? You need all those life support, and that probably cost few hundred thousand to fly you home. How? Make sure your travel insurance cover that.

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Saturday, September 27, 2014


Someone left a comment in my blog, asking what stock did I lose money now. Currently is only one, A&M which I have bought recently. The price is RM1.30 and now is RM1.28 or RM1.29.

Previously I was losing money on Fitters. After I have bought, the stock drop about 30% within two weeks. I have sold gradually on the stock and now no longer holding it. If I am not mistaken, I did not make any loss on it, and the last batch that I sold in 2014 is about 100% gain on my purchase price. Overall is a nice gain and dividend.

SKP Resources stock. I cut loss a bit, sold at breakeven and 2014 sold at about 30% gain. Overall I think is a gain, although not that much. But SKPRES paid good dividend.

SBCCorp stock. Bought this year and sold. Gain a bit.

Why is it so difficult for me to lose money in any stock?

1) Is the way I invest
2) Timing
3) Random

The way that I invest, in overall will make profit in the long run. Buy good stock and consistently.

Timing? Stock market was good from 2009 to 2014 !!!! KLCI hit all time high.
Mr A also made profit. Mr B also. Mr Tom also. Mr Dick also. Mr Harry also. Abu, Ali, Chong and Muthu also made money.

If anyone lose money, have to really think think and think why. Seek adviser help.

I have gone through the bad years in 2007 and 2008. So if market drop now, I will be able to buy more good stocks at cheap price.

Random? I realised almost all my stocks made profit. This is because it is just by chance that no bad stock was selected. I am not worry if just a few of my stocks make losses. Analyst make mistake. The company management make mistake. Situation change. I make mistake. More important is the overall fund performance.

The conclusion is, I will make losses in some stocks. If I continue to invest in good quality stock and consistently, I will continue to enjoy good profit in my overall portfolio in the long run.

Happy Harvest.

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Wednesday, September 24, 2014


I saw some people think that IBHD Loan Rights is having huge discount. But one thing I would like to highlight is, based on the announcement, IBHD will ex for Bonus issue of 1 for every 5 on 10 October 2014. Meaning if IBHD share price is RM1.11 then the theoretical ex price will be RM0.925.
The listing date of ICULS is 14 October 2014.

You need to check what is the impact of the IBHD bonus issue on the IBHD-LR Renounceable rights issue irredeemable convertible unsecured loan stock.

Please check with your broker, remisier, IBHD and/or adviser.




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