Monday, August 24, 2009
入職前後之分別!!!!!!!!
老闆: 萬分歡迎,無左你, 我地公司肯定好大分別!
職員: 如果工作量太多,我會辭職的。
老闆: 放心,我唔會比咁樣既事情發生!
職員: 我逢星期六日可以休息嗎?
老闆: 當然啦!哩個係底線!
職員: 平時會日日OT 到淩晨嗎?
老闆: 無可能,邊個話你聽架?
職員: 有餐費補貼嗎?
老闆: 唔洗講啦,絕對比同行都高!
職員: 有無做死人既風險?
老闆: 唔會!你點會有咁既念頭?
職員: 公司會定期搞旅遊嗎?
老闆: 哩個係我地明文規定!
職員: 那我需要準時返工嗎?
老闆: 唔會,睇情況啦。
職員: 人工呢?會準時出糧嗎?
老闆: 一定係啦!
職員: 所有工作都係新員工做嗎?
老闆: 邊有可能,你上面仲有好多資深既同事!
職員: 如果管理職位有空缺,我可以參與競爭嗎?
老闆: 唔洗問啦,哩個一直係我地公司賴以生存既方式!
職員: 你唔會係呃我掛?
進入公司後 ...... 由下面讀返上去
Tuesday, June 30, 2009
Thursday, April 16, 2009
Tuesday, April 07, 2009
A Good Sharing - Recession
What is recession?
This Story is about a man who once upon a time was selling Hotdogs by the roadside.
He was illiterate, so he never read newspapers. He was hard of hearing, so he never listened to the radio.
His eyes were weak, so he never watched television.
But enthusiastically, he sold lots of hotdogs. He was smart enough to offer some attractive schemes to increase his sales. His sales and profit went up..He ordered more a more raw material and buns and use to sell more. He recruited few more supporting staff to serve more customers. He started offering home deliveries. Eventually he got himself a bigger and better stove.
As his business was growing, the son, who had recently graduated from College, joined his father. Then something strange happened. The son asked, "Dad, aren't you aware of the great recession that is coming our way?" The father replied, "No, but tell me about it."
The son said, "The international situation is terrible. The domestic situation is even worse. We should be prepared for the coming bad times." The man thought that since his son had been to college, read the papers, listened to the radio and watched TV. He ought to know and his advice should not be taken lightly. So the next day onwards, the father cut down his raw material order and buns, took down the colorful signboard, removed all the special schemes he was offering to the customers and was no longer as enthusiastic. He reduced his staff strength by giving layoffs. Very soon, fewer and fewer people bothered to stop at his hotdog stand. And his sales started coming down rapidly, same is the profit. The father said to his son, "Son, you were right"."We are in the middle of a recession and crisis. I am glad you warned me ahead of time."
Moral of The Story: It's all in your MIND! And we actually FUEL this recession much more than we think we do!!!!!!!!!! !!What can we take away from this story??
1. How many times we confuse intelligence with good judgment?
2. Choose your advisers carefully but use your own judgment
3. A person or an organization will survive forever, if they have the 5 Cs * Character * Commitment * Conviction * Courtesy * Courage
The tragedy today is that there are many walking encyclopedias that are living failures. The More practical and appropriate views on this economic recession is:
"This is the time to reunite together for any small or a big organization, this is the time to motivate and retain people which are the biggest asset, this is the time to show more commitments to the customers, this is the time to show values of our company to the world ".

Thursday, March 19, 2009
Index to track unit trust equity funds
FEFI is the first index that monitors and tracks the returns of unit trust equity funds in Malaysia.
The index is accessible on Fundsupermart.com, Singapore’s biggest online unit trust distributor. The portal is operated by iFast, a joint venture between OSK Investment Bank Bhd and Singapore’s iFast Corp Pte Ltd.
Fundsupermart.com Malaysia and Singapore general manager Wong Sui Jau said the introduction of the index was timely, given the current economic conditions.
“Up to now, investors commonly look at other indices to monitor the status of the stock market. Although these indices mirror the overall situation of the market, they are not designed to provide up-to-date information on unit trusts in Malaysia.
“The launch of FEFI is well-timed. With the current financial situation, the index will serve as a benchmark for investors to monitor their investments and guide them to invest,” he said at the launch.
The index currently tracks 44 domestic equity funds. It is calculated on a daily basis, with the level and corresponding date displayed on the website.
Wong said there were plans to add more funds to the index, depending on the industry growth.
“We update the index every six months and will add new funds accordingly,” he said.
Wong said a fund must be open-ended and have daily price fluctuations to be considered for the index, adding that iFast also planned to launch a bond fund index in the future.
Thursday, March 05, 2009
Thursday, January 22, 2009
Tuesday, January 13, 2009
Tuesday, October 21, 2008
Understanding the Current World Financial Situation

Monday, July 28, 2008
~~ 絕對經典~~
你想請一天假?看看你在向公司要求什麼?一年裡有365天你可以工作。 一年52個星期,你已經 每星期休息2天,剩下261天工作。你每天有16小時不在工作,去掉170天,剩下91天。每天你花30分鐘時間喝咖啡,加起來 每年23天,剩下68天。每天午飯時間你花掉1小時,又用掉46天,還有22天。通常你每年請2天病假,這樣你的工作時間只有20天。每年有5個節假日,公司休息不上班,你只幹15 天。
每年公司還慷慨地給你14天假期,算下來你就工作1天,而你他媽的還要請這一天假?
你怎麼不說
我每天8:30上班,我8:00 就要從家中出門(這段時間我為公司做事,但是....... 沒有給我錢)。每天17:30下班,我要到18:00才會到家(這段時間我為公司做事,但是......沒有給我錢)。公司規定不能隨便穿,要穿襯衫西裝庫皮鞋,偏偏我最討厭穿襯衫西裝褲皮鞋,這我要花自己的錢去買,公司也沒有給錢。
每天看電腦,對我的眼睛是一大傷害,我近視平均每年增加至少100度,將來的醫藥費還要自己付,為了工作傷害自己永久的健康,公司也不做這方面的補助。每天用滑鼠鍵盤,害的我肩膀酸痛的要死,回去還要自己買SALONPAS來貼,這部份公司又不提供SALONPAS,又得我自己出錢。
每次有案子,你一句話丟下來,我就要花盡心思,怎麼打一份讓你交差的企劃書,隨時隨地走到哪裡連半夜作夢都夢到,公司也沒給我加班費。客戶不爽,打來公司對著我的耳朵狂吼,弄的我精神衰弱、食慾不振,還要開夜車趕案子,開紿懷疑我會過勞死,公司也沒給我錢和保險。
每天希望同事和客戶在工作上能夠配合,所以自己出去玩的時候,還要買個紀念品給同事和客戶以打好關係,這紀念品的錢還是要我自己出。我不過多請一天假 ~

Thursday, May 08, 2008
BRILLIANT 3 MINUTE MANAGEMENT COURSE
- Lesson 1
- Lesson 2
- Lesson 3
- Lesson 4
- Lesson 5
- Lesson 6

Friday, April 18, 2008
給辛苦的上班族分享 !!

Tuesday, April 01, 2008
Jimat dan Senang Kira


Wednesday, March 26, 2008
History of Unit Trusts
Malaysia introduced the unit trust concept relatively early compared to its Asian neighbours, when, in 1959, a unit trust was first established by a company called Malayan Unit Trust Ltd.
The unit trust industry in Malaysia has therefore a history of more than four (4) decades. The development of this industry can be presented in chronological order as follows:
The Development of Unit Trusts
- The Formative Years: 1959 -1979
The first two decades in the history of the unit trust industry were characterised by slow growth in the sales of units and a lack of public interest in the new investment product. Only five unit trust management companies were established, with a total of 18 funds introduced over that period. The industry was regulated by several parties including the Registrar of Companies, The Public Trustee of Malaysia, Bank Negara Malaysia and the Ministry of Domestic Trade and Consumer Affairs.
The 1970s also witnessed the emergence of state government sponsored unit trusts, in response to the Federal Government's call to mobilise domestic household savings.
- The Period from 1980 to 1990
This period marks the entry of government participation in the Unit Trust Industry and the formation of a Committee to regulate the unit trust industry, called the Informal Committee for Unit Trust Funds, comprising representatives from the Registrar of Companies (ROC), the Public Trustee of Malaysia, Bank Negara Malaysia (BNM) and the Capital Issues Committee (CIC).
The 1980s marked a significant development in the history of the industry when the Skim Amanah Saham Nasional (ASN) was launched by Permodalan Nasional Berhad (PNB) in 1981. Despite only 11 funds being launched during this period, the total units subscribed by the public swelled to an unprecedented level because of the overwhelming response to ASN.
The 1980s also witnessed the emergence of more unit trust management companies, which were subsidiaries of financial institutions. Their participation facilitated the marketing and distribution of unit trusts through bank's branch network which widened investor reach.
The Period from 1991 to 1999
This period witnessed the fastest growth of the unit trust industry in terms of the number of new management companies established, and funds under management. The centralisation of industry regulation, with the establishment of the Securities Commission on 1 March 1993, coupled with the implementation of the Securities Commission (Unit Trust Scheme) Regulations in 1996 and extensive marketing strategies adopted by the ASN and ASB (Amanah Saham Bumiputera), played key roles in making unit trusts household products in Malaysia. Consequently, the total asset value of funds under management grew more than threefold from RM15.72 billion at the end of 1992 to RM59.95 billion at the end of 1996. The period also saw greater product innovation and deregulation of the industry.
Although the pace of growth of local unit trust funds has moderated since the financial crisis of 1997-1998, it has nevertheless maintained its upward trend.
- The Period from 2000 to current
In 2005 the unit trust industry experienced another year of strong growth which saw the net asset value of managed funds capitalising 14.2% of Bursa Malaysia’s market at RM98.5 billion at the end of 2005. Further, the liberalisation of overseas investment rules (such as the increase in overseas investment limit from 10% to 30%) by Bank Negara Malaysia has seen unit trust management companies launching numerous offshore funds or realigning investment strategies of domestic funds to invest offshore up to the permitted limit which resulted in the launch of 10 offshore funds with an intended overseas investment exposure of more than 50%. As at the third quarter of 2006 the number of offshore funds with an intended overseas investment exposure of more than 50% is 38 which is clear evidence of the continued interest by the investing public for a better slice of the overseas market.
Friday, February 29, 2008
Public Mutual emerged as the biggest winner for the 5th consecutive year at The Edge-Lipper Malaysia Fund Awards 2008
Public Mutual’s Chairman Tan Sri Dato’ Sri Dr. Teh Hong Piow said that he is very proud that Public Mutual continues to win the most number of awards at this year’s The Edge-Lipper Malaysia Fund Awards. “The icing of the cake is this is the fifth straight time that we have done it,” he added.
He attributed the company’s success to its effective investment strategies. He also thanked the fundholders for their confidence and support.
The awards were presented by Y.Bhg Dato’ Zarinah Anwar, Chairman of the Securities Commission Malaysia to Public Mutual’s Chief Executive Officer, Yeoh Kim Hong and the investment team during the award presentation ceremony which was held on 26 February 2008 at the Hilton Kuala Lumpur Hotel.
The 8 awards won by Public Mutual are:
Public Mutual Berhad: Best Equity Group Award, 3 Years
PB Fixed Income Fund
Bond Malaysian Ringgit, 5 years
PB Growth Fund
Best Equity Malaysia Fund, 5 years
Public SmallCap Fund
Best Equity Malaysia Small and Mid Caps Fund, 5 years
PB Balanced Fund
Best Mixed Asset Malaysian Ringgit Balanced Fund, 5 years
Public Ittikal Fund
Best Equity Malaysia Fund, 5 years
Public Bond Fund
Best Bond Malaysian Ringgit Fund, 10 years
Monday, December 31, 2007
Wednesday, October 10, 2007
Wednesday, September 12, 2007
Balanced Funds: A Safer Approach To Investing In Volatile Markets

Stock markets are volatile by nature and as illustrated in recent weeks, extended periods of rising share prices can often be interrupted by sudden bouts of consolidation. In such times, investors with moderate risk profiles should consider holding a balanced fund which is invested in both equities and bonds in near equal proportions. Balanced funds aim to provide income and capital growth over the medium to long term period by adopting a balanced asset allocation approach - 40% to 60% of the fund's Net Asset Value (NAV) is invested in equities while the balance is invested in debt securities and liquid assets. In comparison, equity funds generally have asset allocations of 85% or more in equities and the balance in fixed income securities and liquid assets.
The main benefits of investing in balanced funds are:
1. More Stable Returns: The overall portfolio risk of a balanced fund is reduced because the returns of equity and bond investments are generally not positively correlated. The potentially higher but more volatile returns from equity investments are moderated by the fund's investment in bonds. As a result, the returns of a balanced fund should be less volatile than a conventional equity fund.
2. Rebalancing: Another benefit of balanced funds is that in times of rising markets these funds "automatically" rebalance the portfolio by taking profits on equity investments which have appreciated and rebalancing the portfolio to its original equity: bond asset allocation of 60:40. Thanks to this rebalancing process, the unit trust investor need not worry about when to take profits on their investment.
3. Capital growth: A balanced fund will allow the investor to participate in the long term capital growth of equity markets because a sizable portion of up to 60% of the fund is invested in equities.
In conclusion, balanced funds are suitable for medium to long term investors with conservative to moderate risk reward temperament with a preference for receiving income and a respectable measure of capital growth. Investing in a balanced fund helps unit trust investors stay focused on achieving their long term investment goals without requiring them to evaluate the prevailing market cycle. Once they have selected a well-managed balanced fund in line with their risk profiles and investment objectives, they can be assured that the managers of the fund will take the necessary steps to rebalance the fund on a regular basis.

Sunday, July 22, 2007
Q : Which is a better investment ~ stock market shares or unit trust ?
Unit trust funds are less risky than investing directly in the stock market. You reduce your risk by spreading your money over a diversified portfolio of assets, which typically includes securities in different companies, sectors, countries or regions.
A unit trust scheme offers you a simple, convenient and time-saving method of investing. You rid yourself of the unnecessary paperwork that come swith managing your own stocks and shares.
The minimum initial investment amount in most unit trusts is relatively low, making them more affordable than direct investment in securities.
Sunday, December 31, 2006
年末,工作人請問問自己──是雞還是豬?
為什么?
分別在於,雞一天下一個蛋,兩天生產兩個蛋,就足夠應付一份美式早餐的需求,毫髮無損。
豬可不一樣了,一片片的培根,卻是豬賠了老命換來的,跟下蛋的雞比起來,豬當然覺得美式早餐很貴啊!
其實,故事要表達的,是企業里兩種員工的心態,雞提供勞務換取所需,但是不賣命,這樣的員工是屬於 "Contribution "(貢獻)類的打工型(通是中下階層員工)。豬則是屬於"Commitment "(承諾)一類,就是為了公司好,命賣掉也在所不惜的死忠型(多半是高階主管)。
公司里,如果員工都是雞,就會有流動性高、無法長期經營、應付激烈競爭的問題;假如豬太多,很容易造成內鬥嚴重、沒有活力,到頭來變成一灘死水,無法創造新局。
所以,每家企業必須找出正確、適當的豬和雞的比例,才能應付生存的挑戰。
*以上為城邦出版集團雜誌專欄文章
