MYEG is strong

Buy I wonder GST is good for Malaysia.

Though oil and commodity prices are falling, prices of consumer items are in fact going up and up.

Cost of living is only one way traffic, upwards.

Toll is getting very expensive also.

Soon. the Bangla are getting minimum wages too.

Even sugar price is falling quite a lot worldwide, our Govt still signs contracts to buy sugar from TWS at much higher prices.

Correct me if I am wrong.

Let say , u increase the maid pay to rm 2000 a month.

How much should be a starting pay for a fresh graduate.

Do u know the start pay for new fresh graduate was kinda rm 1500 a month , 20 years ago in Malaysia.

Could be lot more cheaper now if inflation is imputed. What about the inflation cost of education at 7% a year.

This post has been edited by SKY 1809: May 9 2013, 10:51 AM

Where is Gark, retiring before GE ?

Life is hard without Internet these days.

Internet could be a tool to stress your money values too.

U learn many valuable and up to date things FOC

Good Suggestions :-


" To solve the financial problems faced by the middle class, MCCM also announced that it would build 100,000 low-cost houses which will be sold at cost price."

http://www.themalaysianinsider.com/malaysi...-malay-chamber/

This post has been edited by SKY 1809: May 9 2013, 03:32 PM

But after 3 months. some agency linked people may do " some transfers" on behalf of the maids.

7B could be used to build many low cost houses for the poor.

Again , many jobs could be created .....

MYEG is up 40% liao

I kinda like your method to write off Dividends to costs. for simple reason that there is an inflation cost of around 7% a year to your cost of investments.

Actually U do not gain much if Dividend yields lower than Inflation rate, u just maintain your cost of investments at current purchasing power ( setting paper gain or loss aside )

Not a right way as to say , but I do support yr kinda accounting methods ( on personal basis ).

For those depending on yields only, and nothing on capital growths, then do take into account of inflation .

This post has been edited by SKY 1809: May 10 2013, 03:26 PM

If investments are for future retirement for example , u need to build an amount for future expenses ( with inflation factor ).

Or else yr money kinda depreciates let say 7% a year.

This post has been edited by SKY 1809: May 10 2013, 03:32 PM

2simple reasons for that :-

1) market share price adjusted after ex dividends
2) Comparable with growth stocks ( showing paper gains )

Peace

Well, If yr retirement is 30 years down the road , yr present 60K expenses need to be inflation compounded at let say 5 to 10% ( % is let say only ) i.e your future estimated expenses .

This post has been edited by SKY 1809: May 10 2013, 03:43 PM

1) Car is one tricky future lumpy item, do not know how long it could last even if u do not intend to buy another car in the future
2) Health level drops, but health expenses may go up
3) children expenses
4) parent expenses
5) etc etc

This post has been edited by SKY 1809: May 10 2013, 03:52 PM

1) lifespan could be cut short by a Country Policy on car max age to be the road ( Japan is only 5 years )
2) if u do not feed them, then need a maid to feed them
3) Health insurance does not cover much on out of hospital expenses like health food
4) F expenses
5 )

This post has been edited by SKY 1809: May 10 2013, 04:02 PM

Just like BN or Pakatan.

Vote one

Yr Affin is not bad

now trend is on off light method