Monthly Archives: June 2007

Cari Duit: Kelas TA untuk saham, futures & forex

7
Posted by pakdi on June 19, 2007 – 12:15 pm
Filed under BicaraJutawan, Cari Duit, Investing

Ya. Saya (yang masih baru) dan En. Faizal Ibrahim yang sudah berpengalaman luas lebih 10 tahun dalam bidang ini akan bekerjasama mengadakan seminar technical analysis untuk anda. Syaratnya mudah, anda sudah ada pengalaman jual-beli, atau paling tidak sudah ada pengetahuan asas pasal pasaran. Dalam seminar ini, kami tidak expect soalan seperti, “En Faizal, stop loss tu apa?” atau “En. Faizal, moving averages tu apa dia?” Tapi ini adalah seminar yang tunjuk bagaimana meletakkan stop loss dengan lebih baik, apa yang tersirat dan tersurat dalam MA dan seterusnya.

Kelas asas sebegitu juga akan muncul menemui anda tidak lama lagi, tetapi untuk kelas pada 28 Julai 2007 ini, pengetahuan asas mengenai pasaran seharusnya sudah diketahui oleh anda. Malah, saya sendiri tidak tahu adakah kelas ini akan diadakan sekali lagi kerana bukan mudah nak minta seseorang yang berpengalaman sebegini melapangkan masa kerana beliau juga mempunyai perniagaan sendiri. (Psst, billionaire kat Malaysia pun main saham tau, cuba dapatkan tips dari driver mereka ;) )

Apa yang bakal anda belajar:

1. Candlestick

Ramai daripada anda trade guna candlestick. Tapi berapa ramai yang benar-benar tahu cara sebenar untuk menggunakannya. Apakah perbezaan Doji & Bearish Engulfing? Ya, sekiranya anda mengatakan kedua-duanya adalah “reversal pattern” maka anda perlu hadir ke kursus ini. Kalau tidak, jangan trade guna candlestick.

2. Pivot

Cuba cari buku yang menulis pasal pivot trading. Carilah di amazon.com, selongkarlah koleksi TA di Kinokuniya. Kenapa teknik ini tidak ditulis secara meluas seperti MA, atau ADX, atau Stochastic, dan lain-lain yang pasti ada ditulis dalam buku-buku mengenai TA?

3. Trendline

Sebelum saya mengenali beliau, saya juga silap dan tidak tahu cara yang betul melukis trendline. Bukan susah nak lukis trendline yang betul kalau tahu caranya. Kalau sudah tahu yang mana valid trendline, apa tunggu lagi?

4. Support & Resistance

S&R. Tetapi adakah ramai yang tahu cerita sebenar di sebalik Support & Resistance? Adakah ia sekadar garisan di atas chart anda? Kenapa KLCI (sehingga entry ini ditulis) masih gagal memecahkan resistance 1374 dengan sempurna? Apakah yang sedang berlaku dalam pasaran?

5. Em… (Rahsia)

Datanglah kalau nak tahu ;) Azizi Ali pun tak tulis semua tips hartanah dalam buku beliau.

Ding Ding Ding!

Ini bukan kelas jual trading system. Ini bukan kelas nak dapat hot tips. Ini kelas untuk menyediakan diri anda menjadi professional trader walaupun anda cuma melakukannya secara part time. Kelas ini mengajar anda alat, ya trading tools supaya anda boleh membangunkan trading system anda sendiri. Kalau anda cuba masuk ke pasaran tanpa pengetahuan yang betul, selamat jalan Romeo!

Seorang askar akan diajar perbezaan rifle, pistol, machine gun, shot gun, bazooka dan sebagainya. Dan seorang askar yang bijaksana akan dilantik menjadi seorang jeneral yang akhirnya akan menyusun strategi perangnya untuk menang dalam pertempuran. Kenapa setiap pegawai / jeneral mempunyai sepucuk pistol, dan tidak diberikan kepada seorang askar biasa?

Begitu juga dalam pasaran. Ya. Seminar ini dibuka untuk semua, sama ada anda terlibat dalam saham, futures & forex.

>> Ya, saya ingin mendaftar secara online sekarang juga

Share This

Why People Buy Life Insurance?

8
Posted by pakdi on June 18, 2007 – 3:04 pm
Filed under Books, Insurance

I’ve this book: 55 Reasons Why People Buy Life Insurance by Andrew Goh, published in 1993. I just want to share few reasons which actually I’ve never thought about it before. Have you think about this before you buy a life insurance?

1. Why die for free?

When you die, make someone pay. Haha… (this is mine, not the author full commentary)

2. Die a millionaire

Whoa… I choose to live as a millionaire and give it all to charity before I die meh.. not die as millionaire. Let my children find their own destiny. I’ll give them knowledge, not a bunch of money.

3. Funeral Expenses

So far, we Muslim do not really think about it. But yes, my Chinese colleague once said that if he doesn’t have RM 10,000 to die, no one cares him then.

4. Just Passed Driving Test

Hohoho… Me think if i’m not a driver myself, it is more dangerous dude.

5. Dowry

Hehe… Good idea! Future parent in-laws may have a great relief if they know his daughter will be fully protected by his potential son-in-law.

6. To help Agent

Hm.. Let me think. No way. An agent must show that he / she want to help me or my beneficiary first.

7. As a form of savings

What? Insurance is a saving? Try to fool me eh?

So, the other 48 reasons to buy life insurance? You may think about it yourself because me think this book primarily is for an insurance agent as their sales pitch script collection. Not really worth buying unless you’re an insurance agent.

Life Insurance

Definition: The promise to pay at the death of the insured, or at another determined time if earlier, an amount larger than the accumulated value of the consideration paid for the promise.

Islam on Life Insurance
1. Life Insurance from an Islamic Perspective
2. Life Insurance
3. Permissibility of Life Insurance
4. Salah Faham Mengenai Insurans
5. hukum membeli insuran nyawa
6. Benarkah Insurans Haram menurut Islam?
7. Fatwa Negeri Selangor

Whatever the reason is, please make sure that you have made an informed decision to buy any kind of life insurance. Insurance agent will always find a way to close the sale ;) they really mean it.

Share This

Debt: Is it good or bad?

3
Posted by pakdi on June 17, 2007 – 5:10 pm
Filed under Cashflow Club, Debt Management

People always have a wrong concept of polygamous marriage. Polygamy is permissible in Islam. As simple as that. Why people keep ask to prohibit something that is permissible by Allah swt? When it is permissible in Islam, it simply means “harus” but it doesn’t mean wajib or even recommended to all man in this world.

In financial planning too, people have misconception on debt. Debt is permissible. It is not haram. Don’t ever think that debt is something bad. If you have proper knowledge in financial planning or business financing, debt is even recommended. But you must know how to use other’s people money for you financial benefits. Muslim may think debt is bad because of the riba’ issue, but that’s not the topic in this short entry.

The essential things to know before you take any debt, you must learn how to manage a debt, the different between a good debt and a bad debt. People shall know how interest bank works. The yearly, monthly and daily basis interest calculation. Debt is a double edge sword, and if you know how to use it wisely, you’ll become a better investor.

Good debt vs Bad Debt

Basically debt is neutral. It has no good or bad. It is the people himself who make the debt good or bad. If people tend to make more debt to buy liability it is bad debt. But, if people make more debt to buy an asset, it will become a good debt.

Generally, car loans is a bad debt, but if the car is used for your business can it be considered a bad debt? There are certain type of business which your car is a symbol or a business card for your business. The newer & bigger your car, the more confident the client have upon you. The sales has almost been closed just by showing the car. This type of businessperson doesn’t even to think to have a big office or shop.

Debt Management & Cashflow 101

Robert Kiyosaki has created this board game with one rule. You can apply for a loan for your investment from the bank with 10% interest rate. That’s high rate isn’t? But there are a strategy to finish the game by taking a lot of debt (after the risk has been calculated) and the player still can become the first person to get out from the rat race and win the fast track.

Well, for those who think debt is always bad may have to re-think about it again. Or you might wanna join our Cashflow 101 Workshop?

Share This

Technical Analysis & You

1
Posted by pakdi on June 15, 2007 – 1:13 pm
Filed under Investing, Stocks

You must have some knowledge before you put your money in the market. Don’t become a gambler. You shall know the reason why you’re in long position, or short and why you exit from the market. If you don’t really understand financial statement, you may opt to invest by using technical analysis method.

People tend to think that it is easy to make money in the market. For me, to trade is easy, but to trade with profit is not as easy as you think. Even you’re a gambler in any market, out of 5 trade you will win 1. But if you know how to win 4 out of 5 trades, or even only 2 win but you win big and lose small, it shall be more interesting isn’t it? Your odd to make money is increasing!

Basically technical analysis is a technique to invest in the market by looking into price action. If you know how to interpret price action, you will always make money in the market. But if you misinterpret the price, that’s dangerous. Really, really dangerous. You will end up to buy at high and sell at low.

Technical analysis could also be defined as a psychology study of the people in the market. You will always realize later that people is buying and selling because of 2 factor, fear & greed. People want to make money and people don’t want to lose money. A person who put his emotion in the market will lose money.

You can use candlestick, bar chart, point & figure, trendline, moving averages, oscillators, MACD, and all kind of technical indicators. Just learn some of them and be expert in using them. You don’t need to know every indicator available, just choose the most suit indicators with your personality. There are people who feel comfortable with 5 indicators on his chart and there are people with no indicators at all.

If you’re really good in technical analysis, you can apply the knowledge in any market that you want share market, stock index futures, commodities, currency (forex) and bond. Just allow yourself to learn from the basic.

Share This

Credit Card, Debit Card & Charge Card

6
Posted by pakdi on June 14, 2007 – 8:43 pm
Filed under Debt Management, Economy & Finance

For those who love plastic cards, you have all these 3 choices to be put inside your wallet besides you MyKad, driving license, gambar si dia and ATM card. Yeah, all these cards make people really feel safe, macho, wealthy & convenience especially credit card. If you hate your ATM card (usually in the middle of the month), you will always look for er.. credit card.

It is no wrong to use all these facilities. Just use it wisely. Wise people will make something bad become really good and stupid people can change gold into trash.

1. Credit Card

You have no money inside the account, but you can use the bank’s money for your spending up to certain limitation and pay the money you owed later either in full or partial. As long your pay your debt during the grace period, you won’t pay any interest.

Life is sooooo easy right :D Visa… Mastercard anybody?

2. Debit Card

You have cheque book? Than it is similar with your cheque but it is in a plastic form. If you have RM 10000 in your account, you can spend up to that limit. But if not even a penny, well… no use lah!

If you dislike to make any debt, you always have a cash but you’re worried with the crime rate, it may be the best for you.

3. Charge Card

It is similar with credit card. You have no money in the account, but you can use the bank’s money for your usage. It is a very short term loan facility which you need to pay all the full balance. No partial payment or you have to pay a penalty fee, restriction and even cancellation of the card.

American Express, Diner Club, al-Rajhi is among the institution who are offering the facility.

Which is the best?
Well, it is not really accurate to say, “we all should have all of the above,” or “we all should have none of the above.” It is you yourself who shall plan your spending. Either by using all the plastic cards or not, the basic is coming from a proper financial planning.

There are people who become bankrupt by credit card and there also people who enjoy using it wisely. Your call.

Share This

Close
E-mail It