Month: February 2020

Are you feeling comfortable with your daily life now ?

Are you paying all your commitments without any hesitation as usual?

Are you still spending on anything that pop out in your mind as usual?

Are you giving your best to your loved one as usual?

If you have more than a YES , CONGRATULATION ! You are the luckiest population among the market now !

The whole world is discussing about the coming disaster . Everyone is watching on their daily budget and working hard to improve daily needs. Some even start worrying about their family meal expenses .. or even bills…

It is affecting every single stream and you’re the luckiest if you fit into any YES above..

Today, I had a coffee chat with a friend who started his value investing more than 10 years ago. I told him that i hope i learnt how to manage my capital way way WAY earlier so that i have even more bullets now for the coming opportunity.

However, there are many many more who yet to even explore what i am experiencing right now.

You don’t go to the war naked. Equipped yourself with fighting weapons , chance only given once , especially the super sweet one!

I am on local stock market in the day time and now let me check on my other investment portfolio before welcoming another possible red day tomorrow ! Gambateh!!! <3

I had a fruitful catchup with my UCSI class mate yesterday .

We were F4 back then. The 4 cheeky girls that usually hanging out together during our uni time. A lot a lot of memories. It just felt like yesterday.

Now, the 4 of us hardly keep in touch. Just messages over FB/Insta or occasionally WA . We were in the same course : Food Science & Nutrition , but only 1 of us actually continue our career path on the related field. The rest, totally out of your expectations.

Our topic was mostly about our current personal life and career . I got much more excited when we were into the same investment line aside from our main job.

We were dining at one of the wine bar in Bangsar. They serve food and beverages despite their shop is just halved and fully stocked up with wines and alcohols. We were then realized that our meals were served by the other restaurant opposite this wine bar. I guess, the same owner , or maybe JV.

If you’re familiar with Telawi @ Bangsar, I am sure you do notice about the high turnover of the shops there. Maybe, the same owner but different brands. But still, those shops keep changing. Other than the crowds hanging around with beer which prices are getting more competitive , I hardly see much crowds around anymore compared to last time.

Business is even more harder nowadays. Acknowledge me if there is any industry that are doing so great and evergreen. Else, running a business required high passion and hard works and great leadership and great team and good social skill and good network and with great funds in which ever way the business is funded. So so so many things in considerations before you start a business and costing incurred in every bit of them.

I am in real estate. I am an agent selling properties and manage the renovation rental for my investors and tenants. Agent need not much capital but as long as you willing to learn , willing to take in all hardships now, you will definitely be there to enjoy life you have been always wanted.

It seems easy. So easy that nowadays, you just need to throw a stone and it will hit an agent . Be it insurance agent, property agent, product agent , they are everywhere. We see luxury houses ,cars and watches in Facebook posted by agents everyday. Is it that easy that every agent earn this great life ? I am sure most of the viewers wanted to be like these highflyers.

The fact is always cruel. Many of the great photos in Insta and Facebook are for marketing purpose. Feel and imagine this scenario : When you wanted to order the super juicy looking american-styled burger with loads of cheese and vege and fresh tomato slices on the menu and it turned out to be dry thin layer of burnt meat with flaky bun with almost-cant-see cheese and dying tomato… Please relate.

Nothing is easy escially at this current market situation. We all are struggling and only the stronger wins!

That comes into a conclusion which highly related to what I am doing lately. Stock market is the platform where hundreds of businesses are listed . Investors or traders are the business owners.

For example, face mask is on high demand recently due to the CoV around the world. We know that selling mask is definitely a win now ! But, are we going to spend millions of dollar as initial capital to build/rent factory and machines to manufacture mask and sell now ? Put aside capital, it takes time and workers needed. How fast and efficient can you really set these up just to sell mask now with no experience , no workers, no database, nothing ?

Invest into Harta , Supermx , Kossan, Carepls, LKL, ETC !!!! Some of you might be wondering what am i taking about .. These are the listed companies which are benefited from CoV incidents and their shares prices have been greatly increased.

To set up a business, you need big capital . If the business fail, it might be not possible to take back any of your capital or even got into debts.

However , to invest in good business in KLSE , just invest with any amount of capital you are comfortable with! If the business fail, just protect your capital with minimal loss and continue invest into another good business and so on!

This is why i am loving what i am doing now. I am not just buy and sell a counter but running business without hassles .

Till here and my Mac is dozing off soon with low bat . See ya <3

This is the question which i have been answering lately.

Anyone can Airbnb and that is why i stop.

‘When the crocodile swimming into the pond , nothing much left in the pond other than another crocodile.’

This is how i describe the Airbnb market now.

OYO Rooms is exactly one of the big crocodile in Airbnb.

For example, the one i am staying tonight is under the management of OYO rooms.

This is a 435 sqft studio unit and it is only RM88/night included taxes!

Again, it is only RM 88 /night !!!

Honestly, how do budget hotels or even a 3 stars hotel survive under this competition?

8 years ago, i was renting out my studio unit at RM 350/night around the city area !

Now, with the price of RM88/night , i doubt that it is profiting but to cover part of the loan instalment instead …

I don’t handle any small Airbnb unit anymore for now and very specific in selecting my Airbnb unit with certain criteria…

If Airbnb is the only investment option for you to cover all sorts of loan and fees , think twice !