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Sucks

Sorry, I am also a blue person, and allow me to express my feeling here.


My deal with GOP agent is a long long time story, even before I know my MTM course going to hold in KTR. Since I became crew before, I think I could skip the "Peranan of crew..." and go for the meeting. I seriously dont understand why.

Why others can skip the whole day of the course, whereas I could not skip for just two hours?

Why speak so persuasive and kind to others, while treat me coldly?

Why not let me tell my situation finish first, before you just say one "NO".

I could have let the agent come from 1230pm till 200pm, but he is going KL tomorrow.

So sad now and so sad now.

And another things, what? He never know setting up a stall need permit. Yeah.

Sorry to say, but I don't like UTM right now, till my mood turns good again.

UTM= scold by people + no freedom + sleep late till hurt myself + authorities power

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Facts about the production cost of certain branded product


iPhone



The production cost of an Iphone is just $245.83 but it sold at but it sold at retail price $499. Means Apple stands a chance to earn 50% profit of each 4Gb iPhone sold. See below for the Preliminary Apple iPhone Functional Cost Assesment. Source: Here


NIKE

The nike shoe as well. The production cost is only $20, but it was sold at $100. Source: HERE


Travel agency

Commision up to 60%. Source: HERE.

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Blue Ocean Strategy


Currently reading this book. It is kind of boring at the beginning, but when the authors introduce the comparison between red ocean and blue ocean, and many types of example where the company rise from the blue ocean, it become interesting. I started to feel amaze of the felt of entrepreneurship. Think of Air Asia, I think they used blue ocean strategy, by cutting off the unnecessary thing for some groups of consumer such as meals on flight and the luggage. They manage to cut the cost by reducing some things, thus create a new market in Malaysia and all around the world. "Everyone can fly" implies everyone can afford the flight ticket.

What I learnt from the reading (although still have half of the book yet to read), we must be creative when we provide service to customer. Think at the point of customer, what they want and what they don't want, so that the value of our product will be increase, thus attract lots of consumer.

And I found out that my passion for business strategy did not die, although I not manage to get Actuarial Science two years ago. So, I will spend some time to investigate the related one in this holiday. It feel so good! =)


Buy vacation packages and earn money. How? Click HERE to ask.

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Bali Trip 2011

I had create a blog specially for my Bali Trip from 24 to 29 June.

If you like to purchase some cool travel packages, click HERE.

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Marketing Nowadays

The worlds is filled with lots of advertisement now. Facebook used to be a medium for idea sharing, now become a stage for a lot of advertisement.


One extreme headache but irresistible webpage is says.my. Overloads of says.my page had been share in facebook, make people could not find really important information to view. Sometimes, people just ask you to click the link, regards of what information is it inside, because one click you will earn RM0.20! Some even reach until RM0.40! (and yeah, because it is a gold mill, I sometimes doing the same things).

Of course, creating a creative lines in Facebook will help you to earn more clicks. For example, my line for this link: http://says.my/kohwenying/celcom-instanet , usually other will use the default lines such as:



Instead of those default words, just adjust a bit:


you will get the unbelieveable clicks. The promotion is true, but they just did not write in the default lines. (and people like promotions) I found it out when I properly read the website (Sometimes you just need to do what people does not do to get more). I think most people just share without actually go to the website. I get 21 clicks after one day.

................................................................................................................................................

Another marketing plan the company like to do now is:
" Like us on Facebook, you could win yourself a xxxx car"
or
" Join the contest, you could win up to RMxxxxxx." and then you will need to go to "like", "register" and so on.
or
" Votes for me, xxxxxxx, Thank you very much." and then you will need to go to "like" the page, "register" your name, search for the "xxxxxxx" so that you could like them.
or
" Share your thought here, you might win xxxxxxxxxxx. " and the "like"->"register" process continue again.
" I need your votes to xxxxxxxxxxxxxxxx." you knew what will happen after this.

At last, you will found out that the pages you participate in will be like more than 100, but, do you win something?

You spend most of your time like the company, the company get publicity, but our chance of winning something is very tiny.
Think about it when you scroll around Facebook. The facebook is actually earning money by the time we spend to it.

By the ways, it is the human nature that will attract to the free stuffs, don't you? Actually, so do I. Just evaluate your time well. Think how much you can earn for 1 hour if you working and how much you can earn if you spend on Facebook. If helping the company sharing advertisement, you can earn more, why not go for it? =)

Book room now. Only RM100 per night. Click HERE.

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Max InvestSave CIMB


This type of investment came across my mind when I went to CIMB bank with my sister for her CIMB youth account.

Just recap what I read from Lowyat.com yesterday, many people are positive about this type of investment. Generally, this investment requires you to keep money in the bank, every month PPI RM200. Only RM50 is needed to open a account, and of course, the CIMB bank got promotion now, put in RM5,000 as deposit you can receiver 30% as the bonus unit. And if put in RM10,000 also got the promotion. (I dont know how to explain because I am still learning about this). For CIMB youth account, put in RM1,000 and every month PPI RM200 you will receive an exclusive gift (but they never mention what is the gift).

Let's assume you:

Contribute lump sum of RM100,000 as initial contribution in the 1st month.

Contribute RM500 for every subsequent month until 5 years before maturity.
Hold all investment units until maturity.

Here’s what you could enjoy with Max InvestSave:

Tenure: 15 Years - RM155,000 Invested [RM100,000 + (RM500 x 110 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.33%
4.91%
RM289,984.70
Base Case
6.27%
8.64%
RM470,382.62
Bullish
11.94%
12.76%
RM807,542.67

Tenure: 20 Years - RM185,000 Invested [RM100,000 + (RM500 x 170 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.35%
5.73%
RM475,029.16
Base Case
6.29%
10.94%
RM1,163,657.22
Bullish
11.95%
16.56%
RM3,148,282.77

Tenure: 25 Years - RM215,000 Invested [RM100,000 + (RM500 x 230 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.34%
6.44%
RM787,917.61
Base Case
6.28%
12.64%
RM3,023,537.34
Bullish
11.95%
19.13%
RM13,012,805.01

Tenure: 30 Years - RM245,000 Invested [RM100,000 + (RM500 x 290 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.31%
7.05%
RM1,326,606.34
Base Case
6.26%
13.91%
RM8,096,395.07
Bullish
11.92%
20.94%
RM55,749,072.10

CIMB InvestSave Index is provided as a reference for the underlying transaction of the Max InvestSave PSSIA-i and the Bank shall not at any time be a party to any transaction related to the trading of CIMB InvestSave Index or CIMB Evergreen Index.
The dynamic investment strategy of the CIMB Evergreen Index is what allows the index (and investors) to gain potentially higher returns, even under different market conditions.


The good things here is:
1) It can be you saving account as well. Imagine you suddenly got so much money to use after 15, 20, 25 or 30 years, because you cant take the money out before it reaches maturity. It is like a gift to you after that many years. And it is good for person who cant bear to see their account had so much money and want to spend. This can help that kind of person to save. (like me)

2) The money will gain up to triple if there are bullish case. Even in the bearish case, you won't lost your money, you just get back what you invest.

The catches is:
1) What if every month you cant squeeze out RM200 to put in? It will be just a waste. Better put in bank account as you can get interest.

2) What if suddenly you need a huge amount of money, and you need to withdraw the money from the Max InverstSave account. From my understanding, in this type of investment, you need to buy some unit, and if you sell out the unit, it will according to the market price at that time. So, if you sell out the unit when the price per unit drop, you will lose your money. Furthermore, you break the maturity period, and you cant get the amount they promise to give you at the end of 15, 20, 25 or 30 years later.

3) What is CIMB invest in? What is the Ever Green Project? Do it guarantee a return?

What do you think?


Room available in Asia, Ocenia, Europe and more. Only RM100 per night. Click HERE!

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