请大力share^_^

2014/10/25

误打误撞回来的Contra Gain


前天算来算去,怎么HLebroking户口里,都算少了百多块。。。

难道自己没有睡醒,算错了?

睡醒再开户口算算看,才看到一笔RM162.58的Contra Gain。

原来自己的OSK买卖,是在T+3内的买卖盈利,属于contra gain。。。

买卖股票n年了,还是第一次赚这样的钱。

昨天到Western Union Agent那里换取了9月份的广告费收入,换来马币有RM740。

不过,或许这是最后一次的广告费收入。

歪歪收到G公司warning letter, 需要在部落格文字做出一些更改。

原来G公司会读中文,凡“出猫”都有机会被捉到。

歪歪尽量做出修改,能否继续保留到该户口,自己也不懂。

一切就随缘,歪歪只相信一句话,赛翁失马焉知非福^_^

律师楼出信要求给小单位的balance,代表我们应该很快可以拿到钥匙,并且开始供房贷了。

打算装修,却不懂装修费要多少。

我俩的小单位只有642平方尺,油漆,换大门锁,铺地砖,换掉厕所门和马桶,装个厨房橱柜要预备多少钱?

这个小单位拖了一年多,过程很煎熬,不过,也让我们多了时间储备资金。

所以,凡事都有两面,无论事情是好是坏,都要学习往好的方面去看:)

Sunreit会在11月7日出季报,就一起等季报看看Sunreit管理层的表现:)


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2014/10/24

23102014 追低加码AEON


歪歪的AEON买贵了,幸好,自己是从100股AEON入手。^_^

当遇到想要拥有的公司,又担心买贵了,就小手买入。花钱持有后,自己也才会有心思去留意公司业务,并且做功课。


19062014 第一次买入100股AEON- RM3.89

24072014 第二次买入200股AEON- RM3.98

23102014 第三次买入300股AEON -RM3.57

累积到今天共持有600股AEON,还面临纸上亏损,并且还没有收息经验。

希望在2015年AEON AGM举办前,可以累积最少1000股AEON.


泡AEON 2013年报



RETAILING

For the year under review, revenue of retail business segment grew by 7.8% to RM3.042 billion. The growth was contributed mainly by the overall better performance from existing stores, higher contributions from new stores that opened in the last year. Same stores registered a growth of 4.7%.

The individual performance of the stores had been mixed, characterised by the unique characteristics
of the store concerned and the local operating environment rather than the general retail industry
trend.

During the year under review, AEON Kulaijaya store was opened for business to customers on 27 November 2013 and has contributed marginally to the overall revenue. AEON stores which have achieved
double-digit growth ranging from 11.2% to 13.5% were Bukit Indah store, Rawang store and Bandaraya Melaka store, mainly due to the growing number of customers and loyalty members’ base and the benefits they derived from the increased and completion of the surrounding housing developments.

AEON stores in Taman Universiti, Permas Jaya, Seremban 2, Tebrau City, Queensbay, Bukit Tinggi, Seberang Prai City, AU2 and Mahkota Cheras also enjoyed good performances ranging from 5.4% to 9.4%. Other AEON stores in Melaka, Bandar Utama, Mid Valley, Bandar Puchong, Metro Prima, Cheras Selatan and Taman Equine recorded smaller growth ranging from 2.1% to 4.7% against their previous year’s performances.

Review of Operations

AEON Ipoh store which has undergone renovation during the year and which was affected by the opening of AEON Ipoh Station 18 store in March 2012 and the stiff competitions nearby, still managed to achieve a marginal growth of 0.5%. AEON Taman Maluri store’s performance was flattish, in part
due to infrastructure developments around its store which hamper customer traffic.

However, AEON stores in Wangsa Maju and Bandar Baru Klang, which had their general merchandise department undergone renovation during the year, registered lower performances of 3.8% and 0.9% respectively against their previous year’s performances. AEON Bandar Sunway store also recorded a lower performance of 1.8% against its previous year, mainly due to the stiff competition within Sunway Pyramid shopping mall itself.

For the new retail business categories that the Company had ventured into since 2012, such as AEON Wellness pharmacy shops, DAISO lifestyle household products shops and Mister Donut outlets, they had contributed a total revenue of RM68.7 million for the year under review.  MaxValu supermarkets’ contributions remained marginal and registered in total a revenue of RM41.7 million for the year.

During the year under review, to keep abreast of the changing demands of consumers and at the same time, to counter competition and differentiate itself by offering customers the best value in terms of variety of merchandise, freshness and pricing, the Company embarked on a refurbishment programme to upgrade its general merchandise stores in AEON Ipoh, Wangsa Maju, Bandar Baru Klang and Cheras
Selatan, featuring new look layouts and merchandise assortment zoning for better customer shopping experience.

PROPERTY MANAGEMENT SERVICES

For the property management services business, the year under review was very challenging as the retail industry witnessed addition of new retail space and retail tenants were generally spoilt for choices.

Despite these challenges, the overall performance of AEON shopping centres remain steady and sustainable, with the occupancy rate maintained at 93.7%. The Company’s property management services business achieved revenue of RM472.7 million for the financial year ended 31 December
2013, representing an increase of 9.1% over the same period last year. The main factors that boosted our revenue in this core business were the contributions from the operations of the newly opened shopping centres of AEON Ipoh Station 18 and AEON Seri Manjung which opened in March 2012 and
December 2012 respectively, as well as additional income from AEON Mall Kulaijaya which opened in November 2013. On same shopping centres basis, there was also a growth in revenue of 3.2% in the period under review.

The Company’s vast experience in the management of shopping centres was largely responsible for this continuing strong performance. Riding on its well-designed shopping centres, AEON had continued to place emphasis on ensuring that its shopping centres are always well maintained and continuously enhance shoppers’ shopping experience.

Some of the affirmative actions that the Company took during the year were to continually review the tenant mix, so as to successfully maintain the attractiveness of the malls to shoppers and tenants alike. During the year under review, the Company had also carried out major renovation to upgrade its old AEON Bukit Raja Shopping Centre so as to better position the shopping centre in its competitive environment and provide its loyal shoppers with a new refreshing look. The Company also made concerted efforts to improve operational efficiency in other areas such as car park management,
security and safety measures for shoppers.

PROSPECTS AND OUTLOOK

Malaysia’s economic growth in 2014 is expected to be broader based, supported by exports and domestic demand, in tandem with the world economic recovery. Nevertheless there could be moderation in private consumption due to the ongoing subsidy rationalisation measures taken by the government which had resulted in higher cost of living. The higher prices of products and services could see inflation
trending up in 2014.

Despite that, with steady income growth and healthy employment market conditions, consumer sentiment and spending is likely to remain positive though cautious in 2014. The short term outlook for retail industry will remain very challenging as competition increase and retailers compete for the consumer dollars and cope with changing consumers’ behavior.

The Company had, during the year under review, entered into a joint venture arrangement with Index Living Mall Company Limited, a Thailand based furniture company, to jointly set up a company selling home and office furnishings in Malaysia. The first outlet is scheduled to open by end of 2014. The Company is confident the joint venture would enhance its merchandise competitiveness and tenant mix.

On its property management business, revenues and earnings are expected to remain steady and consistent. The Company will continue to employ strategies to attract and increase shopper traffic to its malls through provision of right tenant mix, exciting promotional and thematic events, complemented by proper maintenance and customer services.

The Company remains committed to its mid term expansion plan. In 2014, the Company’s MaxValu Kota Kemuning’s operations which had ceased by end of March 2014 will be relocated before the end of the year to a new site at Gamuda Walk Kota Kemuning. The Company will also discontinue its store and property management business in AEON Seberang Prai City Shopping Centre and move the businesses to its new outlet at AEON Mall Bukit Mertajam. The Company is on schedule to open its new mall in Taiping, Perak and as an anchor store in a new mall in the central business district of Kuala Lumpur. The Company had also during the year announced the purchase of another piece of land in Johor for its future expansion. The Company will continue to identify strategic locations for its store and mall development.

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KWSP iAkaun: 老板需通过iAkaun缴员工公积金

9月时,白头老豆突然把KSWP表格放在歪歪面前,要歪歪帮他找表格Borang A。

弄清楚了,歪歪才知道老板必须通过KWSP网站缴员工的公积金



KWSP@Kumpulan Wang Simpanan Pekerja 网站弄了老半天,都不懂那里可以login。

直到看了KWSP demo, 才察觉login button位置。。。然后,顺利进入户口,并且成功通过Maybank2u缴款成功。



单单要在KWSP网站找到login icon, 歪歪也看了起码10分钟才找到。。。

如果你是第一次使用iAkaun, 就要到KWSP@EPF局得到Kod Pengaktifan。

拿到Kod Pengaktifan, 就按login kali pertama并看到以下的表格,就照所要求填写资料。


Bagaimana untuk saya mendaftar i-Akaun?

Untuk Ahli, anda boleh ke mana-mana Kios atau Kaunter KWSP atau hubungi Pusat Panggilan KWSP di talian 03-89226000 untuk mendapatkan Kod Pengaktifan dengan menggunakan myKad.  Setelah itu, layari laman web KWSP dan klik pada ‘Login Ke i-Akaun (Ahli) >> Pengaktifan i-Akaun' untuk mengaktifkan i-Akaun anda menggunakan Kod Pengaktifan tersebut dalam tempoh 30 hari.

Untuk Majikan, wakil syarikat yang dilantik untuk menguruskan i-Akaun bagi pihak syarikat boleh mengunjungi mana-mana Kaunter KWSP untuk mendapatkan Kod Pengaktifan i-Akaun menggunakan Borang KWSP 1 atau KWSP 1(i).

Setelah mendapat Kod Pengaktifan, layari laman web KWSP dan klik pada Login ke i-Akaun (Majikan) >> Pengaktifan i-Akaun untuk mengaktifkan i-Akaun anda menggunakan Kod Pengaktifan tersebut dalam tempoh 30 hari.

白头老豆是在KWSP职员帮助,直接拿到kod pengaktifan和注册密码-kata laluan。

一切搞定后,才能login。


按Caruman, 选择通过eBanking过账,就会跳出Maybank2u视窗过账。(就像HLebroking用Maybank2u过账一样)

过账后,就可以打印resit。

呵~这个不能在KWSP局缴员工公积金,让白头老豆白跑了KWSP两趟。

然后,两老在说:“你以为每个人都有电脑?难道要特地买一架电脑来缴公积金?”

很多老商家都是从事传统小生意,电脑化的缴费方式需要时间去适应。

如果没有年轻人帮忙,就必须花钱请人代办了。

早前,歪歪通过Maybank2u缴电水费,家里的老一辈都接受不了,觉得不可靠。

而歪歪就喜欢使用电子银行@Online Banking服务,可以不用出门就搞定一切的缴费或是转帐。

甚至,还可以online直接reload Digi, Maxis或 Celcom prepaid。:)


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