Morning Elder,
My view Specifically on Penang, as I'm still active in the mfg circle. Manufacturing among the niche EE is maxed out. MNCs are still awaiting 2 more weeks decision on US, China trade. Most low end going to Vietnam, China border where they can act as release first, declare later status. Otherwise, its looking like Taiwan, Thailand n Penang are main beneficiaries. I know of 3PL actively scouting for tens of K sqft warehouses in Northern mainland. The durian Orchard land near Sg Batu main road, etc is approx $70-100/sqft while those near the designated Mara college Balik Pulau, agricultural land is still ard $40/sqft.

Penang State Govt needs to decide on southern island reclamation, its a decision to weigh btw setting up next gen semicon resurgence vs livelihood of 2k fisherman.

Geopolticals wise, all the prophet of doom has been wrong for last 9 years. Corrections are normal cycles in stock trading. US stocks will continue to be invincible as long as Congress doesn't ban Company Stock Buyback.

China will need couple of years to workaround all the US chip supply, FB, Google n other US Apps. Nowadays, I only follow Jim Rickards Blog n Ted Bauman articles....Good video sharing by Col Lawrence Wilkerson, James Bradley for Iran, US n understand China, USA history.

If u worry about geopolitical conflict or not, watch shares of Lockheed Martin. I spiked during the last Iraq War,...its trending up last 6 months. Hence, my reservations to immediately jump into stocks.

I hold substantial Singtel & Genting Sgp shares for dividends n speculative buy respectively, also currency hedging. Eagerly watching Ocbc, Amazon, Alibaba.

I love Asnb, but think KLSE is rigged, held up by Kwsp, KWAP, PNB, (just repeating what you, Sis Nexona, Elder Believe,...) shared.

My 2 cents. Or, this was your clever trick to distract me from spamming. Unker write nonsense.

Specifically for slow catch days or when Elder Believe shared his $20k catch,.... I remind myself advice from Mr Koon YY.

Again, my perspective... Not a hoax.

Real money n wealth changes hands. It's just big boys Algo-Trading, Insider Share Buybacks, Federal Reserve n ECB playing with rates, Global intertwined Market (We wake up to realize USA just declared war,... This morning Asian Market damned liao), then this Antitrust Law when you think all is good?

Heck... Even conspiracy theory that Donald Duck has someone in his team buying/shorting shares, when he's about to tweet Tariff vs No Tariff.

How to beat them, but to just join them... Buy USA stocks!!! In times of trouble, the USA is most formidable nation.

I just quickly blab.....

Silicon Valley of the East - time proven history, our beloved Late Tun Dr Lim Chong Eu...70s, when he went begging for biz from usa multinationals.

Great Ecosystem in terms of supporting n fabrication industry

Good connectivity - unlike a computer, big hardware, etc you need lots of cargo planes etc to uplift. Semi on is small.

I also think Penang comparatively loeer Corruption Index.

Penang lang, chin chai, hard work, trustworthy. That's why in the early 2000s, the expat in China are mostly Penang n Singapore folks. Language skills (chung ling, por thay, heng ee, etc) .... How to convince our Education Minister?

Yes Bro, just stay strong n keep yourself above water.
No matter how big the dark cloud, it will eventually pass.

If it's a problem you cannot solve, then no point to worry.

If it's a problem you can solve, then don't worry.

🙏🙏🙏🙏🙏,
Haha Bro... The 3Rs sacred here.

Cannot trespass into such subject. Which ever part that talks abt removing the tongkat, will likely lose next GE.

Can!!!! But first, go settle the water supply issues first.
Hahaha.

OMG!!! Sorrli,.... Sis, thank you for the alert.

Unker oldest in age.... Unker will accept terima padah.

Morning! Unker already up.
Objectively speaking, if for $2820, pls self evaluate... If you have top up child SSPN.. Its a takaful n personal tax relief. Unless you already done that.

Personally, I don't believe we need to deposit big $$$ money on behalf children's account. But to physically bring a child him/her to save at a bank to deposit n share the phylosophy!!! Later after u pass on, whether fd, kwsp, asnb, property if child in monination, money goes to him/her.

I know asnb FOMO, (fear of missing out), since its so tough to invest... Don't waster your energy spamming at 730am. See, most Unker's up by 530am, Elder Believe answers posts ard 2-4am.

Not discouraging you from investing. But pause n relook at your options. Stay connected daily. Once you read forumers shout 'salmon run', invest for the experience n thrill. Enuf burden in this world, dont add more stress to yourself.

Huh alamak, just full moon?
Unker suggest, you explore n buy those super ex educational toys to help with cognitive development n language skills.

That will be a much valuable investment to child that maybe $11.2k at age 28 yrs (assuming $2820 @ 5% interest), rule 72...money doubles every 14 years.

So question, is $11.2k a lot of money to you in 28 yrs time, assuming you stop further investment into child caccount? Decision in your hands.

Haha, only in lowyat asnb fp forum, we go all the way to service you. If you enjoy the service, pls propose Sis Nexona for the 10th ⭐. Below sspn eligibility.

Fixed price... All at par value $1.00.
Except incur transfer fee $15. Ini I baca Elder cakap punya... Unker kay poh one.

Today Unker clever liao...

No get cheated reply mails on 'why Penang, ar?', 'why not Selangor, ar?'

Whole day, Unker quiet-quiet hentam $100/pop.

Well done!!!
Hedge your bets, 2 year term Bank Islam 4.67%....cud be well worthwhile. Dunno if promo still on?

Otherwise, join us fisherman. But, you being new parents... Save your energy, enjoy time with child n find time to rest.

If your risk profile higher n longer timeline, look into Vanguard Funds.

What stakes? This is alien to me.
All $ belongs to Auntie... I only earn monthly allowance n bragging rights.

Luckily, hide $ somewhere else.

Understand. Thanks Elder for your patience, Unker still fishless today, just playing with your mind!

But then, that's the principle of share trading.... Willing buyer, seller at dynamic price.

This FP fund....which is not even a Bond. This Asnb FP instrument only exists in Malaysia.

Can you throw some idea similar to what?

Hello Mummy, Daddy Paogeh,

Really, really in my mind... As another parent. Is to buy a medical insurance for your child/children.

I know when people younger, all feels indestructible as Superman. At young age, child premium very low. Also got savings one.

Touchwood, etc and you think company coverage etc. But fact is, Unker also from top USA MNCs in the past,... Such benefits will slowly deplete. If got spare cash, this is another alt investment.

Disclosure : Unker not promoting for insurance company, ok... Nanti kena yellow card pula.

Hello,

So, Unker's eldest 20s now, premium $200 coverage $1Mil. No change, so the message is Buyer Beware, do you due diligence on the policy.

Why Unker so into insurance. Based on my personal experience with colleagues, friends, own parents...
Unker has already footed>> $100K in donations/duty as a superior, colleague, friend, son, etc.

1. MNC Engineer - cancer. The hospitalization and annual leave used up. Gone into unpaid leave.

2. Colleagues Father - long term disease. He's a Penang Manager, only 1 father, fight lah...private hospital. Bill was > $200K.

3. Colleagues Mother - dementia. Colleague low level, nursing home till the old lady passed away.

4. My own operation....now Unker working for Company w/o insurance coverage. $60K including all the follow-up treatment. Paid thru own insurance.

5. Few years ago my own father - HCU, @ $3K/day. Every couple of days, hospital calls up Auntie to top up. Auntie tu-lan bring whole sling back of $10, $50 for them to count.

6. Friend a sup. Fall down bathroom n passed away. Wife not working, and a special needs child.

So to the youngling, when a person is down on luck n poor,...whether you have a $100k now or 20 years later, is still life-saving...don't look down on the amount.

Remember :
Money is an evil Dictator to the Needy; but a greater Slave to the Rich. So, use it wisely to help yourself, family, others where logical.
Similar with Insurance. Once you really need it, likely already too late!

Sorry, daughter's premium $200/month.

So, side track.... No#3, Unker monthly chipped in nursing care for like 5 years. The old lady passed away, one Sat dreamt of her. Bought the burial plot 4D - no luck.

On Sunday, late evening Auntie heard me shouted from downstairs, to buy same 4D. It came up 1st prize that night. Auntie says wah I so cool, ah? I said what cool? We both then realized, I already out from home since afternoon. So, who shouted out the 4D? This is every word true!

Auntie's gang of relatives n close friends, standing order to chip in for coffin.

The boss of casket company will inform lor if some unfortunate soul, but again they are all verified trustworthy biz relationship.

OK, Unker talk too much liao... Going dark in the afternoon.
Tq all.