THE FATEST CAR
My DREAM CAR
WHICH ONE IS YOURS U DREAM CAR AFTER U GET RICH?????
(ANYONE KNOW THE PRICE)????
Friday, June 8, 2007
1. 什么是汇款？
1.
什么是汇款？
汇款是将金钱转交给一个在国外的人。例如：汇寄金钱给在国外求学的孩子、本地外劳把金钱汇寄给他们祖国的家人、汇寄金钱以支付入口货物与服务。
2.
我可以汇寄金钱给住在在印尼的女佣家人吗？
可以。我们可以通过商业银行、回教银行、Bank Muamalat、国家储蓄银行或马来西亚邮政公司汇寄金钱给住在在印尼的女佣家人。
3.
有执照的钱币兑换商是否可以代本地外劳如印尼或孟加拉工人，汇寄金钱到他们各自的国家？
不可以。在1998年钱币兑换法令下，有执照的钱币兑换商是不被允许进行汇款活动。
4.
有执照的钱币兑换商被允许提供什么服务？
有执照的钱币兑换商只允许提供以下的服务：• 买卖外币钞票或钱币• 购买旅行支票
5.
如果我通过未经授权的商家汇寄金钱，我将面对什么风险？
如果您通过未经授权的商家汇寄金钱，你可能面对的风险包括：金钱转交不到你所指定的人的手里、没有交易记录或文件来证明该项交易，以便对该商家采取行动。
6.
我要到哪里去兑换外币？
你可以和有执照的钱币兑换商或授权商家兑换外币。授权的经销商如商业银行，外币兑换所(Bureau De Change)与回教银行。
7.
谁可以进行外币交易？
在马来西亚里，只有授权的商家可以进行外币交易。
什么是汇款？
汇款是将金钱转交给一个在国外的人。例如：汇寄金钱给在国外求学的孩子、本地外劳把金钱汇寄给他们祖国的家人、汇寄金钱以支付入口货物与服务。
2.
我可以汇寄金钱给住在在印尼的女佣家人吗？
可以。我们可以通过商业银行、回教银行、Bank Muamalat、国家储蓄银行或马来西亚邮政公司汇寄金钱给住在在印尼的女佣家人。
3.
有执照的钱币兑换商是否可以代本地外劳如印尼或孟加拉工人，汇寄金钱到他们各自的国家？
不可以。在1998年钱币兑换法令下，有执照的钱币兑换商是不被允许进行汇款活动。
4.
有执照的钱币兑换商被允许提供什么服务？
有执照的钱币兑换商只允许提供以下的服务：• 买卖外币钞票或钱币• 购买旅行支票
5.
如果我通过未经授权的商家汇寄金钱，我将面对什么风险？
如果您通过未经授权的商家汇寄金钱，你可能面对的风险包括：金钱转交不到你所指定的人的手里、没有交易记录或文件来证明该项交易，以便对该商家采取行动。
6.
我要到哪里去兑换外币？
你可以和有执照的钱币兑换商或授权商家兑换外币。授权的经销商如商业银行，外币兑换所(Bureau De Change)与回教银行。
7.
谁可以进行外币交易？
在马来西亚里，只有授权的商家可以进行外币交易。
what is credit card
credit card issuer. To support your application, you may be required to submit the following:
Previous months pay slips If you are self-employed, you may be required to submit your business registration details and other documentary proof of income, and be subject to other requirements such as placement of a fixed deposit.
- A photocopy of your Identity Card (IC)
- Job appointment letter
- Latest income tax statement (Form J)
- Bank statements
Previous months pay slips If you are self-employed, you may be required to submit your business registration details and other documentary proof of income, and be subject to other requirements such as placement of a fixed deposit.
list company loan
宗旨透过在企业中加入PNS股份，发展及增加专业与真正中层土著企业家的数量。
最高投资期限 : 5年，根据投资的本质
最低投资限额: RM1百万
最高投资限额: 股份的30%或RM1千万，任何一项较低的为准
参与的金融机构/执行部门/中介机构国民企业有限公司 (PNS)
合格标准
策略联盟公司
目标公司是由非土著所控制
股东资金至少RM2千万
前两年的税後盈收至少RM1千万
有潜力在1-2年之内上市
中间公司
公司是由土著控制
股东资金至少RM1千500万
前两年税後盈收至少RM1千万
有潜力在2-3年之内上市
董事会及管理层需至少51%为土著
申请步骤申请需呈交至PNS
联络Perbadanan Nasional Berhad (PNS)电话 : 03-26986670传真 : 03-26986617网址 : www.pns.com.my
最高投资期限 : 5年，根据投资的本质
最低投资限额: RM1百万
最高投资限额: 股份的30%或RM1千万，任何一项较低的为准
参与的金融机构/执行部门/中介机构国民企业有限公司 (PNS)
合格标准
策略联盟公司
目标公司是由非土著所控制
股东资金至少RM2千万
前两年的税後盈收至少RM1千万
有潜力在1-2年之内上市
中间公司
公司是由土著控制
股东资金至少RM1千500万
前两年税後盈收至少RM1千万
有潜力在2-3年之内上市
董事会及管理层需至少51%为土著
申请步骤申请需呈交至PNS
联络Perbadanan Nasional Berhad (PNS)电话 : 03-26986670传真 : 03-26986617网址 : www.pns.com.my
创业投资基金融资
创业投资基金融资
宗旨提供创业投资基金融资
最低投资限额: RM5万
最高投资限额: RM4千万
参与的金融机构/执行部门/中介机构马来西亚创业资金管理公司(MAVCAP)
主要领域:
通信和网络
医疗和保健服务
生物工艺学和生命科学
网际网络
电子和半导体
申请步骤申请需呈交至MAVCAP:
联络Malaysian Venture Capital ManagementBerhad (MAVCAP)电话 : 03-20503000传真 : 03-26983800网址 : www.mavcap.com.my
宗旨提供创业投资基金融资
最低投资限额: RM5万
最高投资限额: RM4千万
参与的金融机构/执行部门/中介机构马来西亚创业资金管理公司(MAVCAP)
主要领域:
通信和网络
医疗和保健服务
生物工艺学和生命科学
网际网络
电子和半导体
申请步骤申请需呈交至MAVCAP:
联络Malaysian Venture Capital ManagementBerhad (MAVCAP)电话 : 03-20503000传真 : 03-26983800网址 : www.mavcap.com.my
中小型企业的定义
微小型
少于5名员工
少于5名员工
少于5名员工
小型
介于5至19名员工之间
介于5至50名员工之间
介于5至19名员工之间
中型
介于20至50名员工之间
介于51至150名员工之间
介于20至50名员工之间
PROFIT per tear
微小型
低于RM200,000
低于RM250,000
低于RM200,000
小型
介于 RM200,000 与低于RM1百万之间
介于 RM250,000 与低于RM1千万之间
介于 RM200,000 与低于RM1百万之间
中型
介于 RM1 百万与低于RM5 百万之间
介于 RM1千万与低于RM2千500万之间
介于 RM1 百万与低于RM5 百万之间
少于5名员工
少于5名员工
少于5名员工
小型
介于5至19名员工之间
介于5至50名员工之间
介于5至19名员工之间
中型
介于20至50名员工之间
介于51至150名员工之间
介于20至50名员工之间
PROFIT per tear
微小型
低于RM200,000
低于RM250,000
低于RM200,000
小型
介于 RM200,000 与低于RM1百万之间
介于 RM250,000 与低于RM1千万之间
介于 RM200,000 与低于RM1百万之间
中型
介于 RM1 百万与低于RM5 百万之间
介于 RM1千万与低于RM2千500万之间
介于 RM1 百万与低于RM5 百万之间
fix deposit rate
Liberalisation on fixed deposit ratesWith immediate effect, fixed deposits placed by non-SME corporations and non-residents, regardless of the amount, will be on a full-negotiated basis and no longer subject to the floor rates prescribed by Bank Negara Malaysia.
Fixed deposits of up to RM1 million placed by individuals, SMEs and other depositors for tenures of 1 to 12 months will continue to be subject to the prescribed floor rates. The prescribed floor rates remain unchanged at 3% per annum for 1-month and 3.70% per annum for 12-month deposits.
Further information can be obtained by contacting the helpdesk at 03-2693 2617 or 03-2691 6606 which is open from 24 March 2005 to 30 April 2005 during office hours (9.00 am to 5.00 pm) on Monday to Friday. Members of the public may also forward their enquiries via e-mail address: ecams_jppa @bnm.gov.my or fax : 03-2694 3991, 03- 2691 3266 or 03-2693 7732.
Fixed deposits of up to RM1 million placed by individuals, SMEs and other depositors for tenures of 1 to 12 months will continue to be subject to the prescribed floor rates. The prescribed floor rates remain unchanged at 3% per annum for 1-month and 3.70% per annum for 12-month deposits.
Further information can be obtained by contacting the helpdesk at 03-2693 2617 or 03-2691 6606 which is open from 24 March 2005 to 30 April 2005 during office hours (9.00 am to 5.00 pm) on Monday to Friday. Members of the public may also forward their enquiries via e-mail address: ecams_jppa @bnm.gov.my or fax : 03-2694 3991, 03- 2691 3266 or 03-2693 7732.
Business Hours
Business Hours
Malaysia runs on a normal eight-hour working day system with Saturdays as a half-day workday and Sunday as a day of rest. All public service departments and some banks usually close on the first and third Saturday of the month.
However, the states of Kelantan, Terengganu, and Kedah practice different office hours. Saturday to Wednesday are full working days while Thursday is treated as a half-day workday.
The weekend starts on Friday.
Private sector hours are generally from 9am to 5pm (Monday-Friday) and 9am to 1pm (Saturday) while government office hours are usually from 8.30am to 4.30pm. Many private sector companies operate on a five-day week.
Malaysia runs on a normal eight-hour working day system with Saturdays as a half-day workday and Sunday as a day of rest. All public service departments and some banks usually close on the first and third Saturday of the month.
However, the states of Kelantan, Terengganu, and Kedah practice different office hours. Saturday to Wednesday are full working days while Thursday is treated as a half-day workday.
The weekend starts on Friday.
Private sector hours are generally from 9am to 5pm (Monday-Friday) and 9am to 1pm (Saturday) while government office hours are usually from 8.30am to 4.30pm. Many private sector companies operate on a five-day week.
card in malaysia
American Express Malaysia - AMEXhttp://www.americanexpress.com/malaysia/ 18th Floor, The Weld, Jalan Raja Chulan, 50200 Kuala Lumpur Tel: 03 2050 0000, Fax: 03 2026 2425 BankCard Malaysia http://www.bankcard.com.my/
Bonus Linkhttp://www.bonuslink.com.my/ BonusKad Loyalty Sdn BhdLevel 6, Bangunan CGC, Kelana Business Center, 97 Jalan SS 7/2, 47301 Petaling JayaTel: 03 7625 9988 (general), 03 7626 1000 (member services), Fax: 03 7625 9944 Diners Clubhttp://www.dinersclub.com.my/ 15th Floor, Menara Tan & Tan, 207 Jalan Tun Razak, 50990 Kuala LumpurTel: 03 2730 3388, Fax: 03 2161 1518Report Lost / Stolen Card Tel: 03 2161 1055 (office hours), 03 2161 2862 (after office hours)
Flavors Cardhttp://www.flavorscard.com/ MasterCard Internationalhttp://www.mastercard.com.my/ Report Lost / Stolen Card from Malaysia: Tel: 1 800 80 4594, or from elsewhere, call collect: +1 636 722 7111 See also: Credit Card Contacts Of Malaysian Issuing Banks
MBf Cardshttps://www.mbfcards.com/ Tel: 03 2167 7600 (Customer Service) MBf Countdownhttp://www.mbfcountdown.com.my/ Level 38 Bangunan AmFinance, 8 Jalan Yap Kwan Seng, 50450 Kuala LumpurTel: 03 2167 0400, Fax: 03 2163 1393MEPS -
Malaysian Electronic Payment System (1997) Sdn Bhdhttp://www.meps.com.my/ 8th Floor, Menara Weld, Jalan Raja Chulan, 50250 Kuala LumpurTel: 03 2072 0122, Fax: 03 2026 6749
MyKad - Kad Pintar Pelbagaiguna Kerajaan - Government Multipurpose ID Cardhttp://www.jpn.gov.my/gmpc/index.htm Real Rewardshttp://www.realrewards.com.my/ Electronic Commerce Technology Sdn BhdLevel 5 Wisma Integrated, Persiaran Kewajipan USJ1, 47600 Subang JayaTel: 03 8023 2626, Fax: 03 8023 2228
Rewardstreet.com.myhttp://www.rewardstreet.com.my/
iSynergy Sdn Bhd.B13-8 Block B, Megan Phileo Avenue, 12 Jalan Yap Kwan Seng, 50450 Kuala LumpurTel: 03 2166 5070, Fax: 03 2166 5018 Touch 'N Go /
SmartTAGhttp://www.touchngo.com.my/ Rangkaian Segar Sdn BhdGrd Flr, Faber Towers, Jalan Desa Bahagia, Taman Desa, Off Jalan Klang Lama, 58100 Kuala LumpurTel: 03 7628 5115 (Careline), Fax: 03 7628 5100
Visa Internationalhttp://www.visa.com/ Report Lost / Stolen Card from Malaysia: Tel: 1 800 80 2997 or from elsewhere, call collect: +1 612 9251 3704
Visa Emergency Assistance Overseas Centres:Tel: 65 345 1345 (Singapore), 1 800 450 346 (Australia), 0 800 169 5189 (UK), +1 866 765 9644 (USA)See also: Credit Card Contacts Of Malaysian Issuing Banks Worldcard - Genting City of Entertainment's World Cardhttp://www.worldcard.com.my/ Level B6, Wisma Genting, Jalan Sultan Ismail, 50250 Kuala Lumpur Tel: 03 2179 1888 (Membership Enquiries), 03 2718 1118 (Reservation), Fax: 03 6102 2080
Bonus Linkhttp://www.bonuslink.com.my/ BonusKad Loyalty Sdn BhdLevel 6, Bangunan CGC, Kelana Business Center, 97 Jalan SS 7/2, 47301 Petaling JayaTel: 03 7625 9988 (general), 03 7626 1000 (member services), Fax: 03 7625 9944 Diners Clubhttp://www.dinersclub.com.my/ 15th Floor, Menara Tan & Tan, 207 Jalan Tun Razak, 50990 Kuala LumpurTel: 03 2730 3388, Fax: 03 2161 1518Report Lost / Stolen Card Tel: 03 2161 1055 (office hours), 03 2161 2862 (after office hours)
Flavors Cardhttp://www.flavorscard.com/ MasterCard Internationalhttp://www.mastercard.com.my/ Report Lost / Stolen Card from Malaysia: Tel: 1 800 80 4594, or from elsewhere, call collect: +1 636 722 7111 See also: Credit Card Contacts Of Malaysian Issuing Banks
MBf Cardshttps://www.mbfcards.com/ Tel: 03 2167 7600 (Customer Service) MBf Countdownhttp://www.mbfcountdown.com.my/ Level 38 Bangunan AmFinance, 8 Jalan Yap Kwan Seng, 50450 Kuala LumpurTel: 03 2167 0400, Fax: 03 2163 1393MEPS -
Malaysian Electronic Payment System (1997) Sdn Bhdhttp://www.meps.com.my/ 8th Floor, Menara Weld, Jalan Raja Chulan, 50250 Kuala LumpurTel: 03 2072 0122, Fax: 03 2026 6749
MyKad - Kad Pintar Pelbagaiguna Kerajaan - Government Multipurpose ID Cardhttp://www.jpn.gov.my/gmpc/index.htm Real Rewardshttp://www.realrewards.com.my/ Electronic Commerce Technology Sdn BhdLevel 5 Wisma Integrated, Persiaran Kewajipan USJ1, 47600 Subang JayaTel: 03 8023 2626, Fax: 03 8023 2228
Rewardstreet.com.myhttp://www.rewardstreet.com.my/
iSynergy Sdn Bhd.B13-8 Block B, Megan Phileo Avenue, 12 Jalan Yap Kwan Seng, 50450 Kuala LumpurTel: 03 2166 5070, Fax: 03 2166 5018 Touch 'N Go /
SmartTAGhttp://www.touchngo.com.my/ Rangkaian Segar Sdn BhdGrd Flr, Faber Towers, Jalan Desa Bahagia, Taman Desa, Off Jalan Klang Lama, 58100 Kuala LumpurTel: 03 7628 5115 (Careline), Fax: 03 7628 5100
Visa Internationalhttp://www.visa.com/ Report Lost / Stolen Card from Malaysia: Tel: 1 800 80 2997 or from elsewhere, call collect: +1 612 9251 3704
Visa Emergency Assistance Overseas Centres:Tel: 65 345 1345 (Singapore), 1 800 450 346 (Australia), 0 800 169 5189 (UK), +1 866 765 9644 (USA)See also: Credit Card Contacts Of Malaysian Issuing Banks Worldcard - Genting City of Entertainment's World Cardhttp://www.worldcard.com.my/ Level B6, Wisma Genting, Jalan Sultan Ismail, 50250 Kuala Lumpur Tel: 03 2179 1888 (Membership Enquiries), 03 2718 1118 (Reservation), Fax: 03 6102 2080
How do I buy e-gold? How do I sell e-gold?
Unlike other popular Internet payment systems, you can't buy e-gold from (or sell e-gold to) e-gold Ltd in exchange for any national currency (USD, EUR, GBP, etc).
The e-gold system is designed to be absolutely free of any financial risk. There can be no debt or contingent liabilities associated with e-gold. For this reason, e-gold Ltd. does not possess any national currency of any nation and has no bank accounts. Thus, e-gold Ltd. is not able to offer currency exchange services. Instead, a growing number of independent exchange services around the world support exchange between national currencies and e-gold, accepting various remittance methods, including credit cards, bank wires, checks, money orders, and other online payment systems. You can find a list of some of these exchange services here.
The e-gold system is designed to be absolutely free of any financial risk. There can be no debt or contingent liabilities associated with e-gold. For this reason, e-gold Ltd. does not possess any national currency of any nation and has no bank accounts. Thus, e-gold Ltd. is not able to offer currency exchange services. Instead, a growing number of independent exchange services around the world support exchange between national currencies and e-gold, accepting various remittance methods, including credit cards, bank wires, checks, money orders, and other online payment systems. You can find a list of some of these exchange services here.
AMMB控股大馬投資 stop
AMMB控股大馬投資週一起停牌3天
AMMB控股（AMMB，1015，主板金融）終于決定私有化大馬投資（AIGB，2288，主板金融），
2家公司週一起停牌3天。
AMMB控股最后報價4.52令吉，上漲20仙，全日交投量為3342萬100股，大馬投資則下跌22仙，掛3.20令吉，成交量為569萬9600股。
AMMB控股向馬證交所報備說，隨著澳洲與紐西蘭銀行團（ANZ）入股，集團將進行重組計劃，包括將持股51%的大馬投資私有化。
AMMB控股及大馬投資將在18至20日暫停交易，以敲定最后細節。
ANZ在5月18日收購AMMB控股19.7%股權，一旦獲監管單位批准，持股權將達25%。
AMMB控股（AMMB，1015，主板金融）終于決定私有化大馬投資（AIGB，2288，主板金融），
2家公司週一起停牌3天。
AMMB控股最后報價4.52令吉，上漲20仙，全日交投量為3342萬100股，大馬投資則下跌22仙，掛3.20令吉，成交量為569萬9600股。
AMMB控股向馬證交所報備說，隨著澳洲與紐西蘭銀行團（ANZ）入股，集團將進行重組計劃，包括將持股51%的大馬投資私有化。
AMMB控股及大馬投資將在18至20日暫停交易，以敲定最后細節。
ANZ在5月18日收購AMMB控股19.7%股權，一旦獲監管單位批准，持股權將達25%。
E gold history
e-gold Ltd. Is a Nevis, West Indies company created to serve as the General Contractor responsible for performance of the e-gold Account User Agreement. e-gold under its charter is completely dissociated from the business risks relating to exchange. This clarity of roles further assures e gold's freedom from default risk and finality of settlement.
e-gold was developed and deployed as an Internet payment system by Gold & Silver Reserve (G&SR), Inc., a Delaware Corporation in 1996. The e-gold roles of Issuance and Settlement were devolved to e-gold, Ltd. in January 2000.
G&SR, Inc continues to serve as the operator of the e-gold payment system. G&SR, Inc. also offers its own innovative set of hybrid currency exchange services, known as OmniPay.
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Directors
Dr. Douglas Jackson - ChairmanDr. Jackson is a physician, board certified in Radiation Oncology. He received his M.D. from Penn State in 1982. In 1986 he completed residency in Radiation Oncology at the National Cancer Institute, Bethesda, Maryland and was certified by the American Board of Radiology. From 1986 through 1992 he served as a Major in the U.S. Army Medical Corps, Chief of Radiation Oncology at the Brooke Army Medical Center, Fort Sam Houston Texas. In 1992 he left active duty to assume duties as Medical Director for Radiation Oncology at Holmes Regional Medical Center in Melbourne, Florida. He was a founding partner of Florida Oncology, a group practice providing hospital based oncology services.
In 1995, based on private study regarding monetary influences on credit and the business cycle he conceived of e-gold as remote payment system that did not require an obligatory financial intermediary. The e-gold system was deployed online in November 1996. In 1998, Dr. Jackson sold his interest in Florida Oncology to devote full time attention to the e-gold enterprise.
Barry K. Downey - DirectorMr. Downey is a co-founder of the e-gold enterprise. He serves as Secretary, Vice-President and Director. Mr. Downey is a founding partner of Smith & Downey, P.A., a law firm concentrating in general business, employee benefits/executive compensation, and labor and employment law. Admitted to bar, 1986, Maryland; 1989, District of Columbia; 1991, U.S. Supreme Court. Former Chair, Maryland State Bar Association Employee Benefits Committee. Co-Author: Nonqualified Deferred Compensation Answer Book, Panel Publishers, 1999; Nonqualified Deferred Compensation Answer Book: Forms and Checklists, Panel Publishers, 1995.
e-gold was developed and deployed as an Internet payment system by Gold & Silver Reserve (G&SR), Inc., a Delaware Corporation in 1996. The e-gold roles of Issuance and Settlement were devolved to e-gold, Ltd. in January 2000.
G&SR, Inc continues to serve as the operator of the e-gold payment system. G&SR, Inc. also offers its own innovative set of hybrid currency exchange services, known as OmniPay.
return to top
Directors
Dr. Douglas Jackson - ChairmanDr. Jackson is a physician, board certified in Radiation Oncology. He received his M.D. from Penn State in 1982. In 1986 he completed residency in Radiation Oncology at the National Cancer Institute, Bethesda, Maryland and was certified by the American Board of Radiology. From 1986 through 1992 he served as a Major in the U.S. Army Medical Corps, Chief of Radiation Oncology at the Brooke Army Medical Center, Fort Sam Houston Texas. In 1992 he left active duty to assume duties as Medical Director for Radiation Oncology at Holmes Regional Medical Center in Melbourne, Florida. He was a founding partner of Florida Oncology, a group practice providing hospital based oncology services.
In 1995, based on private study regarding monetary influences on credit and the business cycle he conceived of e-gold as remote payment system that did not require an obligatory financial intermediary. The e-gold system was deployed online in November 1996. In 1998, Dr. Jackson sold his interest in Florida Oncology to devote full time attention to the e-gold enterprise.
Barry K. Downey - DirectorMr. Downey is a co-founder of the e-gold enterprise. He serves as Secretary, Vice-President and Director. Mr. Downey is a founding partner of Smith & Downey, P.A., a law firm concentrating in general business, employee benefits/executive compensation, and labor and employment law. Admitted to bar, 1986, Maryland; 1989, District of Columbia; 1991, U.S. Supreme Court. Former Chair, Maryland State Bar Association Employee Benefits Committee. Co-Author: Nonqualified Deferred Compensation Answer Book, Panel Publishers, 1999; Nonqualified Deferred Compensation Answer Book: Forms and Checklists, Panel Publishers, 1995.
streamyx dealer
IT SQUAD sdn bhd, formerly known as Trimax Solutions Sdn Bhd was formed in 2004 and renamed in 2006. Since it establishment, it main business has expand tremendously from being just a computer trading company into a prominence all inclusive IT business unit. At present, our business focused in computer hardware and software trading, installation
and maintenance, and customizing Web, application service and Intranet as well as Internet Solutions.
With humble of staff strength of one initially, the company has today nearly 15 team members. The company’s revenue has increased steadily regardless the global economic unsteady state which the company had served up to 3000 customers at the moment.
IT SQUAD sdn bhd is made up of a strong team of dynamic personnel with multiple skills and experiences in information and communication technologies. To ensure we are always able to meet the needs of our customers with the best products with the best service, we has established our business alliances with a large number of IT hardware manufacturers and software owners.
and maintenance, and customizing Web, application service and Intranet as well as Internet Solutions.
With humble of staff strength of one initially, the company has today nearly 15 team members. The company’s revenue has increased steadily regardless the global economic unsteady state which the company had served up to 3000 customers at the moment.
IT SQUAD sdn bhd is made up of a strong team of dynamic personnel with multiple skills and experiences in information and communication technologies. To ensure we are always able to meet the needs of our customers with the best products with the best service, we has established our business alliances with a large number of IT hardware manufacturers and software owners.
华社活动
6月16日 4pm-6pm4pm-6pm-->
《生之欲》电影观赏会（收基本饮料费）
吉隆坡静思书轩，联络电话：03－21447780
6月16日10am-2pm10am-2pm-->
修成林中医流动诊所
甲洞乌鲁新村村委会，联络电话：03－77824092
6
月16日3pm3pm-->
创意民族与美艳新娘天桥展示
珍城广场2楼，LLDH ：03-90561660（cHIRISTINE）
6月16日2.30pm-4.30pm2.30pm-4.30pm-->
MISO科技美容建发讲座
八打灵再也希尔顿酒店，联络电话：03-62508638（Patrik）
6月17日 9am-1.30pm9am-1.30pm-->
捐血运动
民政大厦，联络电话：019－2221818（吴春雄）
6月17日至24日11am-6pm11am-6pm-->
“玉岱佛－－长江之歌”
马来西亚创价学会，联络电话：03－21412003（田伟隆）
6月17日 2pm-6pm2pm-6pm-->
中医骨伤推拿义诊
大马中医针灸门诊中心，联络电话：016－2285229（黄淑芳）
至6月23日``-->
刘启辉首次个展
Reka Art Space, Kelana Square Sek Thim,联络电话：03-78805982
6月24日 2pm-4pm （星期一至星期五10am-5pm）2pm-4pm
（星期一至星期五10am-5pm）-->
有关肾脏的医药讲座（需报名）
首邦市医药中心，联络电话：03-56306094
至7月5日7.30pm-9.30pm7.30pm-9.30pm-->
自我探索个人成长课程
隆雪华堂会议室，联络电话：03－22746645（灵凤），016－2689862（桂婵）
《生之欲》电影观赏会（收基本饮料费）
吉隆坡静思书轩，联络电话：03－21447780
6月16日10am-2pm10am-2pm-->
修成林中医流动诊所
甲洞乌鲁新村村委会，联络电话：03－77824092
6
月16日3pm3pm-->
创意民族与美艳新娘天桥展示
珍城广场2楼，LLDH ：03-90561660（cHIRISTINE）
6月16日2.30pm-4.30pm2.30pm-4.30pm-->
MISO科技美容建发讲座
八打灵再也希尔顿酒店，联络电话：03-62508638（Patrik）
6月17日 9am-1.30pm9am-1.30pm-->
捐血运动
民政大厦，联络电话：019－2221818（吴春雄）
6月17日至24日11am-6pm11am-6pm-->
“玉岱佛－－长江之歌”
马来西亚创价学会，联络电话：03－21412003（田伟隆）
6月17日 2pm-6pm2pm-6pm-->
中医骨伤推拿义诊
大马中医针灸门诊中心，联络电话：016－2285229（黄淑芳）
至6月23日``-->
刘启辉首次个展
Reka Art Space, Kelana Square Sek Thim,联络电话：03-78805982
6月24日 2pm-4pm （星期一至星期五10am-5pm）2pm-4pm
（星期一至星期五10am-5pm）-->
有关肾脏的医药讲座（需报名）
首邦市医药中心，联络电话：03-56306094
至7月5日7.30pm-9.30pm7.30pm-9.30pm-->
自我探索个人成长课程
隆雪华堂会议室，联络电话：03－22746645（灵凤），016－2689862（桂婵）
国家银行发表的汇率行情：15/6/07
国家银行发表的汇率行情：
1美元---------------3.4620/
新元---------------2.2451/
100日元-------------2.8217/
1美元---------------3.4620/
新元---------------2.2451/
100日元-------------2.8217/
bank negara news
Bank Negara Malaysia and SC investigates AB Fund for illegal internet investment activities
Bank Negara Malaysia in a joint operation with the Securities Commission and Polis Diraja Malaysia yesterday, 11 June 2007, conducted a raid on AB Fund for suspected illegal deposit taking and illegal investment activities via its website www.abfund.us and www.abfundtrader.biz .
Bank Negara Malaysia is investigating AB Fund for suspected illegal deposit taking and money laundering activities, both of which are offences under subsection 25(1) Banking And Financial Institutions Act 1989 (BAFIA) and subsection 4 (1) of Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLA) respectively.
AB Fund is also not licensed by the Securities Commission to provide investment advice that is related to securities or futures activities and also not licensed to carry out fund management activities in Malaysia, as stipulated under Sections 14 and 15A of the Securities Industry Act 1983 (SIA) and Section 16A of the Futures Industry Act 1993 (FIA).
Upon conviction, an illegal deposit-taking operator can be punished with imprisonment of up to 10 years or fine up to RM10 million, or both. In the case of a continuing offence, the operator shall be liable to be punished with a daily fine up to RM100,000 for each day the offence continues.
A person convicted for a money laundering offence shall be liable to a fine up to RM5 million or to imprisonment for a term up to five years, or both.
Any person convicted of providing investment advice related to securities or futures activities, or carrying out fund management activities without a licence face a fine of up to RM1million or imprisonment not exceeding 10 years, or both.
Bank Negara Malaysia and the Securities Commission will take all measures against illegal investment activities including taking enforcement action against operators and agents of illegal investment websites.
To safeguard their interests, members of the public are cautioned to only place deposits and invest with parties licensed by the authorities so that they are accorded the protection under the country's banking and securities laws. A list of all licensed parties is available on the Securities Commission and Bank Negara Malaysia's websites at www.sc.com.my and www.bnm.gov.my respectively.
Bank Negara Malaysia and the Securities Commission strongly urge the public to be vigilant when investing with local or foreign companies offering investment opportunities. Members of the public are advised not to fall prey to unscrupulous parties who promise investors with seemingly high-return investment activities.
Members of the public are advised to alert the authorities immediately of any suspicious websites, e-mails or information on the Internet relating to deposit taking activities and investment advice and services
Bank Negara Malaysia in a joint operation with the Securities Commission and Polis Diraja Malaysia yesterday, 11 June 2007, conducted a raid on AB Fund for suspected illegal deposit taking and illegal investment activities via its website www.abfund.us and www.abfundtrader.biz .
Bank Negara Malaysia is investigating AB Fund for suspected illegal deposit taking and money laundering activities, both of which are offences under subsection 25(1) Banking And Financial Institutions Act 1989 (BAFIA) and subsection 4 (1) of Anti-Money Laundering and Anti-Terrorism Financing Act 2001 (AMLA) respectively.
AB Fund is also not licensed by the Securities Commission to provide investment advice that is related to securities or futures activities and also not licensed to carry out fund management activities in Malaysia, as stipulated under Sections 14 and 15A of the Securities Industry Act 1983 (SIA) and Section 16A of the Futures Industry Act 1993 (FIA).
Upon conviction, an illegal deposit-taking operator can be punished with imprisonment of up to 10 years or fine up to RM10 million, or both. In the case of a continuing offence, the operator shall be liable to be punished with a daily fine up to RM100,000 for each day the offence continues.
A person convicted for a money laundering offence shall be liable to a fine up to RM5 million or to imprisonment for a term up to five years, or both.
Any person convicted of providing investment advice related to securities or futures activities, or carrying out fund management activities without a licence face a fine of up to RM1million or imprisonment not exceeding 10 years, or both.
Bank Negara Malaysia and the Securities Commission will take all measures against illegal investment activities including taking enforcement action against operators and agents of illegal investment websites.
To safeguard their interests, members of the public are cautioned to only place deposits and invest with parties licensed by the authorities so that they are accorded the protection under the country's banking and securities laws. A list of all licensed parties is available on the Securities Commission and Bank Negara Malaysia's websites at www.sc.com.my and www.bnm.gov.my respectively.
Bank Negara Malaysia and the Securities Commission strongly urge the public to be vigilant when investing with local or foreign companies offering investment opportunities. Members of the public are advised not to fall prey to unscrupulous parties who promise investors with seemingly high-return investment activities.
Members of the public are advised to alert the authorities immediately of any suspicious websites, e-mails or information on the Internet relating to deposit taking activities and investment advice and services
彭雪水務工程將啓動 水供建築股受看好 - Thursday, June 14, 2007
大馬水供領域長期獲正面看漲，預測在今年下半年啟動的彭亨-雪蘭莪跨州輸水計劃，料將帶動本地建築業者受惠。
根據報導，總值90億令吉的彭雪跨州輸水計劃，將在下半年以私人主動融資(PFI)方案公開招標，工程涉及興建一座水處理廠，以及疏導污水的排水管系統，工程估計耗時5年期限。
另一邊廂，水務資產管理公司(PAAB)目前正與森美蘭州政府，針對接管該州水務相關資產的事宜，進行最後的洽商，PAAB在財政部下扮演國家水務資產管理公司的角色，該管理公司其實也與馬六甲政府商談轉移資產的課題。
分析員表示，聯熹(RANHILL，5030，主板建築股)有望在上述發展下受惠，據悉，聯熹正對馬六甲水處理廠的營運和維修工程虎視眈眈。
另外，政府計劃為彭雪跨州輸水水u程相關的44.6公里地下隧道工程進行國際招標行動，亦將延伸出其他主要的工程配套，他們相信，有關計劃長期而言，料將帶動本地建築業者受惠。
亞歐美投資銀行分析員表示，預計將在相關計劃下受惠的業者，主要包括金務大(GAMUDA，5398，主板建築股)、馬友乃德建築(UEMBLDR，4855，主板建築股)、羅集團(LOH&LOH，7706，主板建築股)、實康工程(SALCON，8567，主板貿服股)和達力集團(TALIWRK，8524，主板貿服股)。
拉昔胡申研究分析員則指出，無論有無彭雪水務工程，水務相關業務公司的盈利，仍足以在第九大馬計劃帶動水管需求增加，甚至是雪州水供私人有限公司(Syabas)的水管替換活動增加下取得復甦。基於此，他們給予該領域「增碼」評價。
與此同時，由於目前波動的市場，迫切需要新的消息流入，相信上述消息將改善水務相關股項的交易情緒，包括勇達集團(ENGTEX，5056，主板貿服股)、友聯工業(YLI，7014，主板工業股)、JAKS資源(JAKS，4723，主板建築股)、協德(HIAPTEK，5072，主板工業股)和聚美鋼鐵廠(CHOOBEE，5797，主板工業股)。
根據報導，總值90億令吉的彭雪跨州輸水計劃，將在下半年以私人主動融資(PFI)方案公開招標，工程涉及興建一座水處理廠，以及疏導污水的排水管系統，工程估計耗時5年期限。
另一邊廂，水務資產管理公司(PAAB)目前正與森美蘭州政府，針對接管該州水務相關資產的事宜，進行最後的洽商，PAAB在財政部下扮演國家水務資產管理公司的角色，該管理公司其實也與馬六甲政府商談轉移資產的課題。
分析員表示，聯熹(RANHILL，5030，主板建築股)有望在上述發展下受惠，據悉，聯熹正對馬六甲水處理廠的營運和維修工程虎視眈眈。
另外，政府計劃為彭雪跨州輸水水u程相關的44.6公里地下隧道工程進行國際招標行動，亦將延伸出其他主要的工程配套，他們相信，有關計劃長期而言，料將帶動本地建築業者受惠。
亞歐美投資銀行分析員表示，預計將在相關計劃下受惠的業者，主要包括金務大(GAMUDA，5398，主板建築股)、馬友乃德建築(UEMBLDR，4855，主板建築股)、羅集團(LOH&LOH，7706，主板建築股)、實康工程(SALCON，8567，主板貿服股)和達力集團(TALIWRK，8524，主板貿服股)。
拉昔胡申研究分析員則指出，無論有無彭雪水務工程，水務相關業務公司的盈利，仍足以在第九大馬計劃帶動水管需求增加，甚至是雪州水供私人有限公司(Syabas)的水管替換活動增加下取得復甦。基於此，他們給予該領域「增碼」評價。
與此同時，由於目前波動的市場，迫切需要新的消息流入，相信上述消息將改善水務相關股項的交易情緒，包括勇達集團(ENGTEX，5056，主板貿服股)、友聯工業(YLI，7014，主板工業股)、JAKS資源(JAKS，4723，主板建築股)、協德(HIAPTEK，5072，主板工業股)和聚美鋼鐵廠(CHOOBEE，5797，主板工業股)。
Amanah Raya Berhad
Corporate Profileor ARB as we are known, is Malaysia’s premier trustee company. Since its establishment as the Department of Public Trustee and Official Administrator on 1 May 1921, ARB have served the nation for over 80 years and is the market leader in providing trust, legacy management and Will-services.The Department of Public Trustee & Official Administrator was corporatised on 29 May 1995 and on 1 August 1995 commenced its operations as Amanah Raya Berhad. As trustee and administrator, ARB’s services encompass the legal, financial and administrative duties in preparing trust documents, wills, acting as trustees of trust funds, acting as administrators and executor of deceased estates as well as monitoring the transaction of unit trust funds under our care. ARB is also involved in the investment of assets held in its Common Fund which pays out competitive dividend to its Beneficiaries. ARB is wholly owned by the Government of Malaysia with its shares held by the Minister of Finance (Incorporated). Currently, ARB has 20 branches nationwide with its headquarters situated at
Wisma AmanahRaya, No. 2, Jalan Ampang,50450 Kuala Lumpur.
Wisma AmanahRaya, No. 2, Jalan Ampang,50450 Kuala Lumpur.
bursa malaysia has 2 season
bursa malaysia has 2 season
Trading SessionsTrading at Bursa Malaysia has 2 sessions from Monday to Friday, except on public holidays and other market holidays (when the Exchange is declared closed by the Bursa Malaysia Committee).
Morning Session: 9.00 am - 12.30 pm
Afternoon Session: 2.30 pm - 5.00 pm
Trading SessionsTrading at Bursa Malaysia has 2 sessions from Monday to Friday, except on public holidays and other market holidays (when the Exchange is declared closed by the Bursa Malaysia Committee).
Morning Session: 9.00 am - 12.30 pm
Afternoon Session: 2.30 pm - 5.00 pm
Public fund get earn????
PB Cash Plus Fund
Public Savings Fund
Public Ittikal Fund
PB Growth Fund
Public Growth Fund
Public Islamic Equity Fund
PB Asia Equity Fund
Public Index Fund
Public Islamic Opportunities Fund
PB ASEAN Dividend Fund
Public Industry Fund
Public Islamic Dividend Fund
PB Euro Pacific Equity Fund
Public Aggressive Growth Fund
Public Asia Ittikal Fund
EQUITY FUND - SYARIAH
Public Regular Savings Fund
Public Islamic Asia Dividend Fund
PB Islamic Equity Fund
Public SmallCap Fund
BALANCED FUND - SYARIAH
PB Islamic Asia Equity Fund
Public Equity Fund
Public Islamic Balanced Fund
BALANCED FUND
Public Focus Select Fund
BOND FUND - SYARIAH
PB Balanced Fund
Public Dividend Select Fund
Public Islamic Bond Fund
BOND FUND
Public Far-East Select Fund
Public Islamic Enhanced Bond Fund
PB Fixed Income Fund
Public Regional Sector Fund
BOND FUND - SYARIAH
Public Global Select Fund
PB Islamic Bond Fund
Public Far-East Dividend Fund
MONEY MARKET FUND
Public China Select Fund
PB Cash Management Fund
BALANCED FUND
PB Islamic Cash Management Fund
Public Balanced Fund
Public Islamic Money Market Fund
Public Far-East Balanced Fund
Public Global Balanced Fund
BOND FUND
Public Bond Fund
Public Institutional Bond Fund
Public Enhanced Bond Fund
Public Select Bond Fund
MONEY MARKET FUND
Public Money Market Fund
Public Savings Fund
Public Ittikal Fund
PB Growth Fund
Public Growth Fund
Public Islamic Equity Fund
PB Asia Equity Fund
Public Index Fund
Public Islamic Opportunities Fund
PB ASEAN Dividend Fund
Public Industry Fund
Public Islamic Dividend Fund
PB Euro Pacific Equity Fund
Public Aggressive Growth Fund
Public Asia Ittikal Fund
EQUITY FUND - SYARIAH
Public Regular Savings Fund
Public Islamic Asia Dividend Fund
PB Islamic Equity Fund
Public SmallCap Fund
BALANCED FUND - SYARIAH
PB Islamic Asia Equity Fund
Public Equity Fund
Public Islamic Balanced Fund
BALANCED FUND
Public Focus Select Fund
BOND FUND - SYARIAH
PB Balanced Fund
Public Dividend Select Fund
Public Islamic Bond Fund
BOND FUND
Public Far-East Select Fund
Public Islamic Enhanced Bond Fund
PB Fixed Income Fund
Public Regional Sector Fund
BOND FUND - SYARIAH
Public Global Select Fund
PB Islamic Bond Fund
Public Far-East Dividend Fund
MONEY MARKET FUND
Public China Select Fund
PB Cash Management Fund
BALANCED FUND
PB Islamic Cash Management Fund
Public Balanced Fund
Public Islamic Money Market Fund
Public Far-East Balanced Fund
Public Global Balanced Fund
BOND FUND
Public Bond Fund
Public Institutional Bond Fund
Public Enhanced Bond Fund
Public Select Bond Fund
MONEY MARKET FUND
Public Money Market Fund
Why get listed on Bursa Malaysia?
Why get listed on Bursa Malaysia?
Companies that list themselves on the stock exchange have their advantages. 'Going public' as some would like to term it, is regarded as a cost-effective way to gain:
Higher ProfileA listed company has greater visibility than one that is not listed. Publicity is generated by stockbroking activities which will distribute information on public listed companies, as will daily newspapers which carry stock market reports. This will ultimately raise interest towards the company and attract new business.
ConfidenceWhen a company meets the stringent regulations of Bursa Malaysia and succeeds in being listed on Bursa Malaysia, it automatically gains credibility that projects confidence to its investors.
Additional FundsListed companies provide liquidity for investors and an efficient valuation system which will enable investors to sell their shares anytime on the market with a market value. A listed company that is well managed and displays strong responsibility towards its shareholders has the potential to raise more funds from existing shareholders via rights issues and loan stocks (which proceeds can be used for expansion plans).ExpansionDue to the publicity and recognition gained through market activities, listed companies are in a better position to expand their operations locally and globally.
Companies that list themselves on the stock exchange have their advantages. 'Going public' as some would like to term it, is regarded as a cost-effective way to gain:
Higher ProfileA listed company has greater visibility than one that is not listed. Publicity is generated by stockbroking activities which will distribute information on public listed companies, as will daily newspapers which carry stock market reports. This will ultimately raise interest towards the company and attract new business.
ConfidenceWhen a company meets the stringent regulations of Bursa Malaysia and succeeds in being listed on Bursa Malaysia, it automatically gains credibility that projects confidence to its investors.
Additional FundsListed companies provide liquidity for investors and an efficient valuation system which will enable investors to sell their shares anytime on the market with a market value. A listed company that is well managed and displays strong responsibility towards its shareholders has the potential to raise more funds from existing shareholders via rights issues and loan stocks (which proceeds can be used for expansion plans).ExpansionDue to the publicity and recognition gained through market activities, listed companies are in a better position to expand their operations locally and globally.
马来西亚政府机构译名（系列一）
Unit Perancang Ekonomi (EPU) 经济策划组
Jabatan Audit Negara 国家稽查局
Jabatan Perkhidmatan Awam （JPA） 公共服务局
Badan Pencegah Rasuah 反贪污局
Biro Pengaduan Awam (BPA) 公共投诉局
Jabatan Kemajuan Islam Malaysia (JAKIM) 回教发展局
Jabatan Pengangkaan 统计局
Lembaga Tabung Haji 朝圣基金局
Suruhanjaya Perkhidmatan Awam 公共服务委员会
Suruhanjaya Pilihan Raya 选举委员会
Dewan Bandaraya Kuala Lumpur 吉隆坡市政局
Majlis Sukan Negara 国家体育理事会
Jabatan Penjara 监狱局
Jabatan Imigresen 移民局
Jabatan Pendaftaran Pertubuhan 社团注册局
Jabatan Pertahanan Awam 民防局
Jabatan Arkib Negara 国家档案局
Lembaga Penggalakan Pelancongan Malaysia 旅游促进局
Balai Seni Lukis Negara 国家画廊
Jabatan Kerja Raya 工程局
Lembaga Pembangunan Industri Pembinaan Malaysia 建筑发展局
Jabatan Hasil Dalam Negeri 税收局
Bank Negara Malaysia 中央银行（央行）
Majlis Amanah Rakyat (MARA) 人民信托局（玛拉）
Jabatan Pembangunan Wanita 妇女发展局
Jabatan Pendidikan Tinggi 高等教育局（高教局）
Perpustakaan Negara 国家图书馆
Jabatan Penerangan 新闻局
Pertubuhan Berita Nasional Malaysia (BERNAMA) 马来西亚新闻社 (马新社）
Jabatan Penerbangan Awam (DCA) 民航局
Jabatan Keretapi 铁道局
Lembaga Kemajuan Perindustrian Malaysia 工业发展局
Perbadanan Pembangunan Perdagangan Luar 外贸发展局
Perbadanan Pembangunan Industri Kecil dan Sederhana中小型工业发展局
Perbadanan Pembangunan Teknologi Malaysia 工艺发展局
Jabatan Kebajikan Masyarakat 社会福利局
Jabatan Pertanian 农业局
Jabatan Perikanan 渔业局
Jabatan Kerajaan Tempatan 地方政府局
Jabatan Perumahan Negara 国家房屋局
Jabatan Bomba dan Penyelamat 消防与拯救局(消拯局)
Jabatan Perhutanan Semenanjung Malaysia 半岛森林局
Jabatan Perkhidmatan Kajicuaca Malaysia 气象局
Jabatan Alam Sekitar 环境局
Mahkamah Perusahaan 工业法庭
Jabatan Pembangunan Koperasi Malaysia 合作社发展局
Lembaga Kemajuan Tanah Persekutuan (FELDA) 联邦土地发展局
Jabatan Audit Negara 国家稽查局
Jabatan Perkhidmatan Awam （JPA） 公共服务局
Badan Pencegah Rasuah 反贪污局
Biro Pengaduan Awam (BPA) 公共投诉局
Jabatan Kemajuan Islam Malaysia (JAKIM) 回教发展局
Jabatan Pengangkaan 统计局
Lembaga Tabung Haji 朝圣基金局
Suruhanjaya Perkhidmatan Awam 公共服务委员会
Suruhanjaya Pilihan Raya 选举委员会
Dewan Bandaraya Kuala Lumpur 吉隆坡市政局
Majlis Sukan Negara 国家体育理事会
Jabatan Penjara 监狱局
Jabatan Imigresen 移民局
Jabatan Pendaftaran Pertubuhan 社团注册局
Jabatan Pertahanan Awam 民防局
Jabatan Arkib Negara 国家档案局
Lembaga Penggalakan Pelancongan Malaysia 旅游促进局
Balai Seni Lukis Negara 国家画廊
Jabatan Kerja Raya 工程局
Lembaga Pembangunan Industri Pembinaan Malaysia 建筑发展局
Jabatan Hasil Dalam Negeri 税收局
Bank Negara Malaysia 中央银行（央行）
Majlis Amanah Rakyat (MARA) 人民信托局（玛拉）
Jabatan Pembangunan Wanita 妇女发展局
Jabatan Pendidikan Tinggi 高等教育局（高教局）
Perpustakaan Negara 国家图书馆
Jabatan Penerangan 新闻局
Pertubuhan Berita Nasional Malaysia (BERNAMA) 马来西亚新闻社 (马新社）
Jabatan Penerbangan Awam (DCA) 民航局
Jabatan Keretapi 铁道局
Lembaga Kemajuan Perindustrian Malaysia 工业发展局
Perbadanan Pembangunan Perdagangan Luar 外贸发展局
Perbadanan Pembangunan Industri Kecil dan Sederhana中小型工业发展局
Perbadanan Pembangunan Teknologi Malaysia 工艺发展局
Jabatan Kebajikan Masyarakat 社会福利局
Jabatan Pertanian 农业局
Jabatan Perikanan 渔业局
Jabatan Kerajaan Tempatan 地方政府局
Jabatan Perumahan Negara 国家房屋局
Jabatan Bomba dan Penyelamat 消防与拯救局(消拯局)
Jabatan Perhutanan Semenanjung Malaysia 半岛森林局
Jabatan Perkhidmatan Kajicuaca Malaysia 气象局
Jabatan Alam Sekitar 环境局
Mahkamah Perusahaan 工业法庭
Jabatan Pembangunan Koperasi Malaysia 合作社发展局
Lembaga Kemajuan Tanah Persekutuan (FELDA) 联邦土地发展局
12/6 马币对外商用汇率 ：
歐洲富豪理財新工具
幣管外包風險轉移貨幣管理外包，指的是將全球投資組合中的貨幣風險，外包給專門機構。
貨幣管理外包對經常持有非本幣資產的投資者最有用，因為它能讓投資者避開投資貨幣對本幣貶值的風險，貨幣管理機構也能從匯率中獲得回酬。
不過，貨幣管理外包屬于預期性產品，因此投資組合的規模要夠大，才能讓風險與創造和經營的成本相適應。
目前有兩種類型的貨幣管理外包，即被動型和積極型。
被動型管理外包可彌補匯兌損失，但如果管理者對沖的幣種升值了，那么這種管理外包自身也會產生虧損，此產品的成本較低。
積極型管理外包旨在為客戶創造回酬，而不只是保障資產安全，因此成本往往比較高。
貨幣管理外包對經常持有非本幣資產的投資者最有用，因為它能讓投資者避開投資貨幣對本幣貶值的風險，貨幣管理機構也能從匯率中獲得回酬。
不過，貨幣管理外包屬于預期性產品，因此投資組合的規模要夠大，才能讓風險與創造和經營的成本相適應。
目前有兩種類型的貨幣管理外包，即被動型和積極型。
被動型管理外包可彌補匯兌損失，但如果管理者對沖的幣種升值了，那么這種管理外包自身也會產生虧損，此產品的成本較低。
積極型管理外包旨在為客戶創造回酬，而不只是保障資產安全，因此成本往往比較高。
story
有七個人住在一起，每天共喝一桶粥，顯然粥每天都不夠分。
一開始，他們輪流分粥，每天輪一個。結果每週下來，他們只有一天是飽的，就是自己分粥的那一天。
后來，他們開始推選出一個道德高尚的人出來分粥。
結果在強權下產生腐敗，大家開始挖空心思去討好此人，甚至賄賂他，搞得整個小團體烏煙障氣。
然后，大家開始組成三人分粥委員會及四人評選委員會，互相攻擊下來，粥吃到嘴裡全是涼的。
最后想出來一個方法：輪流分粥，但分粥的人要等其它人都挑完后拿剩下的最后一碗。
為了不讓自己吃到最少的，每人都盡量分得平均，就算不平，也只能認了。大家快快樂樂，和和氣氣，日子越過越好。
財經選項： 新聞／股市／專欄
更新: June 12, 2007 21:28
管理物語（12）七人分粥有七個人住在一起，每天共喝一桶粥，顯然粥每天都不夠分。
一開始，他們輪流分粥，每天輪一個。結果每週下來，他們只有一天是飽的，就是自己分粥的那一天。
后來，他們開始推選出一個道德高尚的人出來分粥。
結果在強權下產生腐敗，大家開始挖空心思去討好此人，甚至賄賂他，搞得整個小團體烏煙障氣。
然后，大家開始組成三人分粥委員會及四人評選委員會，互相攻擊下來，粥吃到嘴裡全是涼的。
最后想出來一個方法：輪流分粥，但分粥的人要等其它人都挑完后拿剩下的最后一碗。
為了不讓自己吃到最少的，每人都盡量分得平均，就算不平，也只能認了。大家快快樂樂，和和氣氣，日子越過越好。
啟示
管理的真諦在“理”不在“管”。
管理者的主要職責就是建立一個象“輪流分粥，分者后取”那樣合理的遊戲規則，讓每個員工按照遊戲規則自我管理。
遊戲規則要兼顧公司利益和個人利益，並且要讓個人利益與公司整體利益統一起來。
責任、權利和利益是管理平台的三根支柱，缺一不可。
缺乏責任，公司就會產生腐敗，進而衰退；缺乏權利，管理者的執行就變成廢紙；缺乏利益，員工就會積極性下降，消極怠工。
一開始，他們輪流分粥，每天輪一個。結果每週下來，他們只有一天是飽的，就是自己分粥的那一天。
后來，他們開始推選出一個道德高尚的人出來分粥。
結果在強權下產生腐敗，大家開始挖空心思去討好此人，甚至賄賂他，搞得整個小團體烏煙障氣。
然后，大家開始組成三人分粥委員會及四人評選委員會，互相攻擊下來，粥吃到嘴裡全是涼的。
最后想出來一個方法：輪流分粥，但分粥的人要等其它人都挑完后拿剩下的最后一碗。
為了不讓自己吃到最少的，每人都盡量分得平均，就算不平，也只能認了。大家快快樂樂，和和氣氣，日子越過越好。
財經選項： 新聞／股市／專欄
更新: June 12, 2007 21:28
管理物語（12）七人分粥有七個人住在一起，每天共喝一桶粥，顯然粥每天都不夠分。
一開始，他們輪流分粥，每天輪一個。結果每週下來，他們只有一天是飽的，就是自己分粥的那一天。
后來，他們開始推選出一個道德高尚的人出來分粥。
結果在強權下產生腐敗，大家開始挖空心思去討好此人，甚至賄賂他，搞得整個小團體烏煙障氣。
然后，大家開始組成三人分粥委員會及四人評選委員會，互相攻擊下來，粥吃到嘴裡全是涼的。
最后想出來一個方法：輪流分粥，但分粥的人要等其它人都挑完后拿剩下的最后一碗。
為了不讓自己吃到最少的，每人都盡量分得平均，就算不平，也只能認了。大家快快樂樂，和和氣氣，日子越過越好。
啟示
管理的真諦在“理”不在“管”。
管理者的主要職責就是建立一個象“輪流分粥，分者后取”那樣合理的遊戲規則，讓每個員工按照遊戲規則自我管理。
遊戲規則要兼顧公司利益和個人利益，並且要讓個人利益與公司整體利益統一起來。
責任、權利和利益是管理平台的三根支柱，缺一不可。
缺乏責任，公司就會產生腐敗，進而衰退；缺乏權利，管理者的執行就變成廢紙；缺乏利益，員工就會積極性下降，消極怠工。
anaku B2B
anakku ownership program
a proven retail conceptanakku baby boutique is a proven retail concept targeting middle-income parents and parents-to-be. our ownership program offer you a low risk and practical capital investment that promise fast return.
about the program
anakku ownership program is a simple yet rewarding business scheme made available for qualified individuals whose passionate about retailing of baby products. through the ownership program, we will assist you to setup a anakku baby boutique of your own, support you with on-going product developments and business coaching. all you have to do is to look after your customers, your peoples and your boutique, and we will take care of the rest.
objective
we aimed at making dedicated and committed individuals to become a successful entrepreneur.
advantages
we offer you a proven retail concept at minimum risk to invest. besides, on-going management support and mentoring are provided by a knowledge-based management team with sophisticated infrastructure to ensure long-term profitability. additionally, you enjoy cost savings through group purchasing.
anakku baby Connection sdn bhdLot 10449, Jalan Nenas, Batu 4 1/2,Kampung Jawa, 41000 Klang,Selangor Malaysia,
Tel: 603 5161 8822 Fax: 603 5161 2728general enquiries: enquiry@anakku.com for business enquiries, please reach our business development executive at b2b@anakku.com
a proven retail conceptanakku baby boutique is a proven retail concept targeting middle-income parents and parents-to-be. our ownership program offer you a low risk and practical capital investment that promise fast return.
about the program
anakku ownership program is a simple yet rewarding business scheme made available for qualified individuals whose passionate about retailing of baby products. through the ownership program, we will assist you to setup a anakku baby boutique of your own, support you with on-going product developments and business coaching. all you have to do is to look after your customers, your peoples and your boutique, and we will take care of the rest.
objective
we aimed at making dedicated and committed individuals to become a successful entrepreneur.
advantages
we offer you a proven retail concept at minimum risk to invest. besides, on-going management support and mentoring are provided by a knowledge-based management team with sophisticated infrastructure to ensure long-term profitability. additionally, you enjoy cost savings through group purchasing.
anakku baby Connection sdn bhdLot 10449, Jalan Nenas, Batu 4 1/2,Kampung Jawa, 41000 Klang,Selangor Malaysia,
Tel: 603 5161 8822 Fax: 603 5161 2728general enquiries: enquiry@anakku.com for business enquiries, please reach our business development executive at b2b@anakku.com
问这个是不是真的能赚钱？？？
网赚推介信不信由你,试试看也无妨.....反正不用钱的！本来我也不相信的，但我试过之后，是真的能赚到钱，我就赚到了300多美金;因为本意是试试罢了，试了一个月，没有着力去发表多少，所以才300美金但300多美金，哈哈！ 后来我就又发表了好多，赚得也多。 难道天下竟有免费的午餐？答案是--真的没有。所以有很多人就会不相信我这里所写的话 因此，我特地在这里注明一下：这不是免费的，但也不用交钱和什么的，你只要为这个网站介绍和招人加入。这些就是工作，这就是赚钱。理由很简单，我们帮这个网站作广告、宣传出去，那就有人来这个网站浏览，那申请加入的人也就越来越多，这个网站就兴旺起来了这是它所希望和欢迎的，它就要奖励你！每加入一个人有0.08美金。 怎么能够赚钱呢？加入了会员后，要多发表，就能够赚钱。怎么发表呢？就是把现在你看到的这篇文章复制copy，然后到各个网站的留言版上粘贴paste发表宣传。有人跟着指示加入了，你就有钱赚了；加入的人越多，你赚的钱也越多。以下是本人的经历和加入的过程：本人是刚从大学毕业，刚工作不久。因为公司能够上网，所以我一有时间就是上网了。在网上我发现了一个问题.为什么这个网站说能为你赚到很多钱呢，就连读一封E-mail,搜寻几回东西都能挣到钱?难以置信啊！天下哪有免费的午餐？！（后来才弄清是广告商买单，越多人看，广告商越肯付钱）本来我也是不相信的，可呆着实在是无聊啊。反正闲着也是闲着嘛！但我的身份是不能够泄露给外人的，当然身份证号码、手机号码（因为回电是要付钱的噢）、信用卡号码等等重要信息都不能泄露的噢。于是找了一个不要身份证、不要会员费，只要有个地址、电话号码就能挣到钱的网站，申请成了会员……（反正挣不到钱也不会吃亏，哼!） 等了一个月，什么汇款单？连个影子都没有！不过一想，无所谓了，反正也没吃亏!就当是鬼迷心窍一回吧!--哈哈!可一直到了第二个月……突然，汇款单到了!不看不知道，一看吓一跳！$300多美金？ 买了一些一直想买的东东，这时我才确信不疑。兴奋之余，又开始了我的宣传。不是宣传得越多，挣的也就越多吗?果然，三个月后，又飞来了一张单子！ 真是难以置信！！又过了三个月上涨到了1800多美金。如今，不用上班也有钱花了，真是乐哉乐哉乐乐哉！你不信？那没办法！不过，古人云：“宁可信其有，不可信其无”啊！反正也不吃亏，就当疯一回试试看嘛你顶多损失几分钟的时间而已！相信我，准没错的!!!!!!!!!!! 加入方法很简单的哦： http://www.slashmysearch.com/earn/id/49243点击上面的连接.然后点击下面的一个click here to join now。 进去后，就要填你的资料了（也不是什么重要的资料）。(然后，跟着提示，一步一步输入信息就OK了。下面我给你提示怎样填,以下是简单的解释:我为了方便大家的加入，详细说明了加入过程中的细节（注：一定要用英文填资料!!!不然钱寄不到你的手里的哦,因为鬼老看不懂华语的... ）：注: * 必填First Name: （例：张 就打 zhangLast Name: （例：小明 就打 xiao ming ）Address:住家地址（写英文来写，一定要详详细细填写，不然收不到汇款单喽！)Postal Code: 邮区编号 （ 填你自己那区的，例12636736）Check Name :名字一定要跟你银行户口的名字一样,不然到时拿到支票后,支票不能bank in进你的户口哦....)Payment Preference *:选pay check (支票)User Account Information 每一次登陆(LOGIN)时,需填入.(不要忘记)user name:任写 password:密码 你自己想一个吧(建议6个号码就够了...)确认你的密码: 再打一次你的密码。电子邮箱: 填你的电子邮箱Paypal Email :可以不填打勾在方格内,{ } I accept and will follow all the Terms of Service. I also certifythat I am at least 18 years of age and all of my information is correct好了，现在点击Submit。当你登入后,里面显示出一个清单Standard Affiliate Link - Use for General Links 横条就是你的系统识别id)http://www.slashmysearch.com/earn/id/xxxx打开notepad,把这连接贴进去存起来(注：xxxx 这里的意思是：自己的ID )要登出时,点击上方的一个叉. ( ?旁边)接下来，{ http://www.slashmysearch.com/earn/id/35020 } 你只需把这连接介绍给你的朋友,他一加入,你就是他的上线了,下线多,赚越多.现在就是教你额外更快的赚钱方法了。额外赚钱的方法：到你所知道的各个网站的留言板或论坛或朋友的email，把现在你所看到的这篇文章的全部内容复制copy、粘贴paste上去帖或寄给大家看！多多益善噢！：）只要有人跟着指示去做,去申请,多使用它本身的搜索引擎(search engine)，你就可以赚多余的钱了！多好啊！而且反正赚的是外国人的钱，广告商的钱不赚白不赚！给我一些朋友说了以后，他们还是说打死他也不信有这么好的事情，那么让我们来算算它是否合理：一个国外网站投入广告宣传费用8万每个月可以争取多少点击率呢？如果他采用介绍一个付费0.08元，那么支付8万元将保证该网站每个月注册用户10万，一年就是 120万注册用户。二年就是240万，这个网站是2年前成立的，那么比起以前。COM公司大把大把的烧钱，这种方法不知要有效多少倍，而且网站上面广告商都会为拥有数百万用户的市场所吸引而投资的......信不信由你,试试看也无妨.....反正也没有任何的损失.....最后我在此祝你赚钱！不，应该是大家一起赚呀！
story
清澈的小河老禪師有次和一名弟子出遊，恰好那天特別熱，兩人走了一段路后，就上氣不接下氣，嗓子裡像冒煙似的難受。
老禪師對他的弟子說：“我們剛才不是剛剛渡過一條小河嗎？那兒的水清澈甘甜，你去弄些來解渴吧。”
弟子就捧著老禪師的金缽去了。
過了一會兒，弟子空著手回來了，稟告老禪師說：“小河那邊有一批販賣布匹的商人，他們的馬在那兒撒歡追逐，把整條小河的水都弄髒了。不如我們再走兩個時辰的路，到前面的另外一條小溪去吧。”
老禪師皺了皺眉頭，回答道：“牛羊不吃身邊的草，卻要翻山越嶺吃山對面的沙子，世界上有這樣的事嗎？”
“我們現在渴得不行，為什么還要走兩個時辰的路去找水喝呢？你還是再回去一趟，取些水來解渴吧。”
弟子撅著嘴，心裡雖然一萬個不情願，但還是按照老禪師的吩咐回到那條小河邊。
但讓他大吃一驚的是：才這么一會兒功夫，原來的那批人馬都不見了，整條小河又恢復了第一次見到時的清澈和平靜，好像什么事情都沒發生過一樣。
啟示
沒有永遠混濁的河水，與其捨近求遠地亂碰運氣，不如等待一時，機會總會來臨；這就是老禪師的智慧。
事物總在不斷變化，所謂“一切皆流，一切皆變”。因此不要害怕等待，等待中自有機會。
很多人卻錯誤地認為，等待是可恥的，是無能的表現，是消極的行為，事情發生總應該有所行動。
身為管理者，無論處于順境還是逆境，都應該讓自己在等待中尋求更高、更遠、更強的發展。
老禪師對他的弟子說：“我們剛才不是剛剛渡過一條小河嗎？那兒的水清澈甘甜，你去弄些來解渴吧。”
弟子就捧著老禪師的金缽去了。
過了一會兒，弟子空著手回來了，稟告老禪師說：“小河那邊有一批販賣布匹的商人，他們的馬在那兒撒歡追逐，把整條小河的水都弄髒了。不如我們再走兩個時辰的路，到前面的另外一條小溪去吧。”
老禪師皺了皺眉頭，回答道：“牛羊不吃身邊的草，卻要翻山越嶺吃山對面的沙子，世界上有這樣的事嗎？”
“我們現在渴得不行，為什么還要走兩個時辰的路去找水喝呢？你還是再回去一趟，取些水來解渴吧。”
弟子撅著嘴，心裡雖然一萬個不情願，但還是按照老禪師的吩咐回到那條小河邊。
但讓他大吃一驚的是：才這么一會兒功夫，原來的那批人馬都不見了，整條小河又恢復了第一次見到時的清澈和平靜，好像什么事情都沒發生過一樣。
啟示
沒有永遠混濁的河水，與其捨近求遠地亂碰運氣，不如等待一時，機會總會來臨；這就是老禪師的智慧。
事物總在不斷變化，所謂“一切皆流，一切皆變”。因此不要害怕等待，等待中自有機會。
很多人卻錯誤地認為，等待是可恥的，是無能的表現，是消極的行為，事情發生總應該有所行動。
身為管理者，無論處于順境還是逆境，都應該讓自己在等待中尋求更高、更遠、更強的發展。
index and exchange rate update 11/6/07
国家银行发表的汇率行情：
1美元---------------3.4540/4575
1新元---------------2.2429/2466
100日元-------------2.8388/8424
2007年6月11日
道瓊工業：休市
那斯達克：休市
香港恆生：17834.48 up 55.39
台北加權：8338.88 up 38.17
東京日經：17834.48 up 55.39
海峽時報：3545.46 up 53.87
1美元---------------3.4540/4575
1新元---------------2.2429/2466
100日元-------------2.8388/8424
2007年6月11日
道瓊工業：休市
那斯達克：休市
香港恆生：17834.48 up 55.39
台北加權：8338.88 up 38.17
東京日經：17834.48 up 55.39
海峽時報：3545.46 up 53.87
投资者扯购银行、石油和天然气等蓝筹股促使马股早市走高
投资者在今早开市时即入场扯购银行、石油和天然气等相关的蓝筹股和低价股，致使马股早市走
高。截至今早12时30分，综合指数涨9.61点，挂1362.00点，开市指数是1360.66点，比上周五闭市
时升8.27点。第二板指数涨1.37点，报107.47点，富时大马全股指数升58.13点，挂9129.25点。上升
股有531只，下跌股有270只，另外264只平盘。总成交量是8亿1121万1千股，总值10亿4500万令
吉。今早热门股包括：
HSBC-C1涨5仙至每股挂68仙、
媒岸跌17仙至每股报14.5仙、
MEMS科技涨11仙至每股挂71仙、S
ingtel-C1升2.5仙至每股报65.5仙，
意康缘则涨11仙至每股41.5仙。
重量级股
国家能源涨20仙至每股报11令吉60仙、
马来亚银行滑落40仙至每股报12令吉30仙、
联昌资产涨
30仙至每股12令吉、
明讯跌10仙至每股报15令吉30仙，
而马国际船务涨5仙至每股挂9令吉80令
吉。
11/6/07 update
高。截至今早12时30分，综合指数涨9.61点，挂1362.00点，开市指数是1360.66点，比上周五闭市
时升8.27点。第二板指数涨1.37点，报107.47点，富时大马全股指数升58.13点，挂9129.25点。上升
股有531只，下跌股有270只，另外264只平盘。总成交量是8亿1121万1千股，总值10亿4500万令
吉。今早热门股包括：
HSBC-C1涨5仙至每股挂68仙、
媒岸跌17仙至每股报14.5仙、
MEMS科技涨11仙至每股挂71仙、S
ingtel-C1升2.5仙至每股报65.5仙，
意康缘则涨11仙至每股41.5仙。
重量级股
国家能源涨20仙至每股报11令吉60仙、
马来亚银行滑落40仙至每股报12令吉30仙、
联昌资产涨
30仙至每股12令吉、
明讯跌10仙至每股报15令吉30仙，
而马国际船务涨5仙至每股挂9令吉80令
吉。
11/6/07 update
什么是 Google AdSense？
通过 Google AdSense，各种规模的网站发布商均可以轻松快捷地在内容网页上展示风格适宜的相
关性广告，并从中获利。由于所展示的广告与用户在您网站上查找的内容相关，因此，最终您不但
能从中获利，还可以充实自己的内容网页。了解有关 AdSense for content 的详情。
另外，网站发布商还可以利用 AdSense 向自己的网站用户提供 Google 搜索功能，并通过在搜索结
果页展示 Google 广告获得收入。了解有关 AdSense for search 的详情。
此计划是免费的，而且将按点击次数付费的广告和按展示次数付费的广告结合起来 - 也就是说，
对贵网站或搜索结果页上广告的有效点击以及内容网页上的广告展示都会为您带来收入。所以，
尽管试试此计划吧。如果您符合我们的计划政策，只需填写在线申请，选择 AdSense for content
或 AdSense for search，或者两者都选。申请一个产品即可获准使用 AdSense 和 AdSense for
search - 您可在自己的网页上任意组合使用这些产品。
我们会审核您的申请，并在 2 至 3 天内回复一封电子邮件。如果您获准加入此计划，就可以登录到
自己的新帐户并获得需插入您网页中的 HTML 代码。
关性广告，并从中获利。由于所展示的广告与用户在您网站上查找的内容相关，因此，最终您不但
能从中获利，还可以充实自己的内容网页。了解有关 AdSense for content 的详情。
另外，网站发布商还可以利用 AdSense 向自己的网站用户提供 Google 搜索功能，并通过在搜索结
果页展示 Google 广告获得收入。了解有关 AdSense for search 的详情。
此计划是免费的，而且将按点击次数付费的广告和按展示次数付费的广告结合起来 - 也就是说，
对贵网站或搜索结果页上广告的有效点击以及内容网页上的广告展示都会为您带来收入。所以，
尽管试试此计划吧。如果您符合我们的计划政策，只需填写在线申请，选择 AdSense for content
或 AdSense for search，或者两者都选。申请一个产品即可获准使用 AdSense 和 AdSense for
search - 您可在自己的网页上任意组合使用这些产品。
我们会审核您的申请，并在 2 至 3 天内回复一封电子邮件。如果您获准加入此计划，就可以登录到
自己的新帐户并获得需插入您网页中的 HTML 代码。
5673 IPMUDA IPMUDA BHD
Business Activity
INVESTMENT HLDG TRADING IN HOME IMPROVEMENT MATERIALS TRADING IN STEEL PRODUCTS PROV OF WAREHOUSING SERVICES
AnnouncementDate :30-May-07
1
FinancialYr. End :31-Dec-07
Qtr :
Period End :31-Mar-07
RevenueRM '000 :140,162
Profit/LostRM'000 :1,595
EPS :1.96
1
MAJU HOLDINGS SB
12,962,000
17.89%
2
AMMB NOM T SB-IGB CORPN BHD
7,641,752
10.55%
3
MIDF SISMA NOM T SB-PURNAMA GIGIH SB
7,594,000
10.48%
4
AMANAH RAYA NOM T SB-SAS BUMIPUTERA
5,740,000
7.92%
5
MIDF SISMA NOM T SB-TS ABU SAHID MOHAMED
3,708,000
5.12%
INVESTMENT HLDG TRADING IN HOME IMPROVEMENT MATERIALS TRADING IN STEEL PRODUCTS PROV OF WAREHOUSING SERVICES
AnnouncementDate :30-May-07
1
FinancialYr. End :31-Dec-07
Qtr :
Period End :31-Mar-07
RevenueRM '000 :140,162
Profit/LostRM'000 :1,595
EPS :1.96
1
MAJU HOLDINGS SB
12,962,000
17.89%
2
AMMB NOM T SB-IGB CORPN BHD
7,641,752
10.55%
3
MIDF SISMA NOM T SB-PURNAMA GIGIH SB
7,594,000
10.48%
4
AMANAH RAYA NOM T SB-SAS BUMIPUTERA
5,740,000
7.92%
5
MIDF SISMA NOM T SB-TS ABU SAHID MOHAMED
3,708,000
5.12%
全球市場回彈 半導體股盈利看高一線
全球半導體領域在下半年料將出現高成長，同時全球半導體存貨量減少，分析員因此相信，國內半導體包裝和裝配業者的中期盈利展望看漲，所以建議「增持」半導體股。
拉昔胡申研究分析員表示，電路磁盤裝運的供應在07年首季已取得增長，其需求增長主要因為全球晶片供應的過剩存貨下跌，以及下半年新晶片產品開始推出，所帶來的強穩需求。
根據國際半導體產能數據公司公佈的數據，晶片製造產能使用率從06年第四季的86.8%,稍微上升至87.6%。其產能的增長符合分析員的預測，因為下半年的需求料將提升。
半導體設備製造商都獲得強穩的訂單，來自中國、台灣和韓國的整合元件製造商都作出高資本開銷，主要因為下半年市場對晶片的高需求帶動。
全球晶片銷量在07年第四季放緩?.6%，其需求下降主要因為面對市場激烈競爭和主要市場供應過剩所造成的價格壓力影響。
07年首季的過剩存貨估計稍微增長至32億美元，過剩存貨從06年第三季的42億美元高峰下跌至第四季的28億美元，該分析員估計，過剩存貨的下降趨勢將會持續，主要因為生產量低於市場預測，以及強穩的市場需求。
有鑑於此，拉昔胡申研究分析員相信，國內半導體包裝和裝配業者的中期盈利可望增長，並維持給予半導體領域「增持」的評級。
他估計，友尼森（UNISEM，5005，主板科技股）和馬太平洋（MPI，3867，主板科技股）將可從製件和四方扁平無引腳(QFN)封裝的需求上升中受惠，這主要來自中國和印度手機市場的強穩尋求，以及新消費者產品如iPhone、PS3和X-Box 360推出所推動。
此外，他也看好東益電子（GTRONIC，7022，主板科技股），主要基於其客戶產品需求料超越預期，至於MEMS科技（MEMS，0052，自動報價股）則料可受惠於手機生產業者對其產品的需求。
他因此給予以上4家半導體公司「超越大市」的評級。
拉昔胡申研究分析員表示，電路磁盤裝運的供應在07年首季已取得增長，其需求增長主要因為全球晶片供應的過剩存貨下跌，以及下半年新晶片產品開始推出，所帶來的強穩需求。
根據國際半導體產能數據公司公佈的數據，晶片製造產能使用率從06年第四季的86.8%,稍微上升至87.6%。其產能的增長符合分析員的預測，因為下半年的需求料將提升。
半導體設備製造商都獲得強穩的訂單，來自中國、台灣和韓國的整合元件製造商都作出高資本開銷，主要因為下半年市場對晶片的高需求帶動。
全球晶片銷量在07年第四季放緩?.6%，其需求下降主要因為面對市場激烈競爭和主要市場供應過剩所造成的價格壓力影響。
07年首季的過剩存貨估計稍微增長至32億美元，過剩存貨從06年第三季的42億美元高峰下跌至第四季的28億美元，該分析員估計，過剩存貨的下降趨勢將會持續，主要因為生產量低於市場預測，以及強穩的市場需求。
有鑑於此，拉昔胡申研究分析員相信，國內半導體包裝和裝配業者的中期盈利可望增長，並維持給予半導體領域「增持」的評級。
他估計，友尼森（UNISEM，5005，主板科技股）和馬太平洋（MPI，3867，主板科技股）將可從製件和四方扁平無引腳(QFN)封裝的需求上升中受惠，這主要來自中國和印度手機市場的強穩尋求，以及新消費者產品如iPhone、PS3和X-Box 360推出所推動。
此外，他也看好東益電子（GTRONIC，7022，主板科技股），主要基於其客戶產品需求料超越預期，至於MEMS科技（MEMS，0052，自動報價股）則料可受惠於手機生產業者對其產品的需求。
他因此給予以上4家半導體公司「超越大市」的評級。
my history in share market AND THE LESSON I LEARN
Me this year 17 year old i use my father accaunt to buy share market, i use my RM10000 fix deposit to buy my first share,the name is (EON),i buy in at RM4.8 and sell it at RM5.15,that was my first time i earn in share market, after that i buy (TIMECOM) at 0.32 i sell it at RMo.40
i also get earn in this stock ,i use all my money buy (DBHD) at 0.14 and sell it at 0.175
then i use the money again buy in ECOFIRST i buy it at 0.11 sell at 0.15, the last time i buy share in this Gtronic RM0.35 but now still 0.31,
this time i loss my money ......(but still can money if this company rise back to above 0.35 because i still keep)
From gtronic ifirst time learn wat is stuck in share market
(I ALSO LEARN A LESSON CANNOT ALWAYS STAY IN SHARE MARKET,IF U EARN MONEY MUST RUN OUT QUICKLY, CANNOT ALWAYS STAY IN SHARE MARKET ,THIS WILL MAKE U LOSS U MONEY )
ARCODDING A RESEARCH ,IN SHARE MARKET 95% PEOPLE WILL LOSS MONEY AND ONLY 5% PEOPLE EARN MONEY,SHARE MARKET CAN MAKE U RICH??????
i also get earn in this stock ,i use all my money buy (DBHD) at 0.14 and sell it at 0.175
then i use the money again buy in ECOFIRST i buy it at 0.11 sell at 0.15, the last time i buy share in this Gtronic RM0.35 but now still 0.31,
this time i loss my money ......(but still can money if this company rise back to above 0.35 because i still keep)
From gtronic ifirst time learn wat is stuck in share market
(I ALSO LEARN A LESSON CANNOT ALWAYS STAY IN SHARE MARKET,IF U EARN MONEY MUST RUN OUT QUICKLY, CANNOT ALWAYS STAY IN SHARE MARKET ,THIS WILL MAKE U LOSS U MONEY )
ARCODDING A RESEARCH ,IN SHARE MARKET 95% PEOPLE WILL LOSS MONEY AND ONLY 5% PEOPLE EARN MONEY,SHARE MARKET CAN MAKE U RICH??????
8/6 /07马币对外商用汇率 ：
8/6 /07马币对外商用汇率 ：
国家银行发表的汇率行情：
1美元---------------3.4525/4575
1新元---------------2.2451/2498100
日元-------------2.8491/8537
国家银行发表的汇率行情：
1美元---------------3.4525/4575
1新元---------------2.2451/2498100
日元-------------2.8491/8537
股继续受到美国股市波动今早继续猛挫（
由于美国华尔街指数在昨日继续收低，导致大马股市备受影响，马股在今早甫开市时即呈下滑趋势。截至中午12时30分，综合指数跌9.90点，挂1354.51点，开市指数是1357.63点，比昨日闭市挫6.78点。
吉隆坡股市：1357.63
恒生：20,531.85
海峡时报：3,485.94
日经指数: 17,904.68
韩国首尔指数：1,735.96
加权指数：8,288.26
上证综指：3,900.027
美国闭市--
道琼: 13,266.73(-198.94)
纳斯达克: 2,541.38(-45.80)
吉隆坡股市：1357.63
恒生：20,531.85
海峡时报：3,485.94
日经指数: 17,904.68
韩国首尔指数：1,735.96
加权指数：8,288.26
上证综指：3,900.027
美国闭市--
道琼: 13,266.73(-198.94)
纳斯达克: 2,541.38(-45.80)
sunrise 6165 buy SUMMER LODGE
陽光1340萬購SUMMER LODGE公司 - Sunday, June 10, 2007
（吉隆坡9日訊）陽光（SUNRISE,6165,主板產業股）以1340萬令吉的價格，收購SUMMER LODGE私人有限公司，並將負責支付后者之前的土地收購計劃，仍未還清的2100萬令吉款項。
陽光表示， 該公司是以1340萬令吉的價格，收購SUMMERLODGE，並附帶一項350萬令吉的收購價調整條文。
另一方面，SUMMER LODGE在06年10月曾以2400萬令吉的價格，向馬銀行ALLIED有限公司收購總面積達6695.697平方呎的租賃土地，至今仍有2100萬令吉的款項還未還清。因此，陽光也將負責支付這筆2100萬令吉的欠款。
這些土地坐落在吉隆坡市區，市場價值達3500萬令吉，主要將用來作為商業發展用途。
（吉隆坡9日訊）陽光（SUNRISE,6165,主板產業股）以1340萬令吉的價格，收購SUMMER LODGE私人有限公司，並將負責支付后者之前的土地收購計劃，仍未還清的2100萬令吉款項。
陽光表示， 該公司是以1340萬令吉的價格，收購SUMMERLODGE，並附帶一項350萬令吉的收購價調整條文。
另一方面，SUMMER LODGE在06年10月曾以2400萬令吉的價格，向馬銀行ALLIED有限公司收購總面積達6695.697平方呎的租賃土地，至今仍有2100萬令吉的款項還未還清。因此，陽光也將負責支付這筆2100萬令吉的欠款。
這些土地坐落在吉隆坡市區，市場價值達3500萬令吉，主要將用來作為商業發展用途。
the ammended PN17 company
The Amended PN17 Companies are listed below and the list :
Amsteel Corporation Berhad
2. Chin Foh Berhad
3. Dataprep Holdings Berhad
4. Dceil International Berhad
5. Ekran Berhad
6. FA Peninsular Berhad
7. FCW Holdings Berhad
8. Foremost Holdings Berhad
9. Harvest Court Industries Berhad
10. Kai Peng Berhad
11. KL Infrastructure Group Berhad
12. Kumpulan Belton Berhad
13. Mangium Industries Berhad
14. MBF Corporation Berhad
15. Merge Energy Berhad
16. MP Technology Resources Berhad
17. MOL.com Berhad
18. OCI Berhad
19. Paxelent Corporation Berhad
20. Putera Capital Berhad
21. Seloga Holdings Berhad
22. Halifax Capital Berhad
23. Sunway Infrastructure Berhad
24. Suremax Group Berhad
25. Syarikat Kayu Wangi Berhad
26. Talam Corporation Berhad
27. Tap Resources Berhad
28. Techventure Berhad
29. Tenco Berhad
30. Tenggara Oil Berhad
31. Triplc Berhad
32. Utama Banking Group Berhad
Amsteel Corporation Berhad
2. Chin Foh Berhad
3. Dataprep Holdings Berhad
4. Dceil International Berhad
5. Ekran Berhad
6. FA Peninsular Berhad
7. FCW Holdings Berhad
8. Foremost Holdings Berhad
9. Harvest Court Industries Berhad
10. Kai Peng Berhad
11. KL Infrastructure Group Berhad
12. Kumpulan Belton Berhad
13. Mangium Industries Berhad
14. MBF Corporation Berhad
15. Merge Energy Berhad
16. MP Technology Resources Berhad
17. MOL.com Berhad
18. OCI Berhad
19. Paxelent Corporation Berhad
20. Putera Capital Berhad
21. Seloga Holdings Berhad
22. Halifax Capital Berhad
23. Sunway Infrastructure Berhad
24. Suremax Group Berhad
25. Syarikat Kayu Wangi Berhad
26. Talam Corporation Berhad
27. Tap Resources Berhad
28. Techventure Berhad
29. Tenco Berhad
30. Tenggara Oil Berhad
31. Triplc Berhad
32. Utama Banking Group Berhad
pn17
List updated as at 15 May 2007 (PN17)
ARK RESOURCES BHD (formerly known as Lankhorst Berhad)
PAN MALAYSIA INDUSTRIES BERHAD
PSC INDUSTRIES BERHAD
SINORA INDUSTRIES BERHAD
TANCO HOLDINGS BERHAD
時光網絡供應吉州寬頻服務
- Sunday, June 10, 2007
（吉隆坡9日訊）時光網絡（TIMECOM,5031,主板基建工程股）
與吉打通訊資訊科技控股私人有限公司（Kedah ICT Holdings）簽署諒解備忘錄，成為吉打州通訊開放供應商基建通道計劃的服務供應夥伴，為該州提供寬頻服務。
吉打通訊資訊科技控股是吉打州務大臣機構（Kedah Menteri Besar Incorporated）旗下的一家子公司，主要負責吉打州通訊公開供應商基建通道計劃。
這項計劃是一個多元化服務供應開放網絡，專門在州內特定地區，為特許產業、大廈、建築及住宅區，提供寬頻網絡服務。
（吉隆坡9日訊）時光網絡（TIMECOM,5031,主板基建工程股）
與吉打通訊資訊科技控股私人有限公司（Kedah ICT Holdings）簽署諒解備忘錄，成為吉打州通訊開放供應商基建通道計劃的服務供應夥伴，為該州提供寬頻服務。
吉打通訊資訊科技控股是吉打州務大臣機構（Kedah Menteri Besar Incorporated）旗下的一家子公司，主要負責吉打州通訊公開供應商基建通道計劃。
這項計劃是一個多元化服務供應開放網絡，專門在州內特定地區，為特許產業、大廈、建築及住宅區，提供寬頻網絡服務。
what is forex???
An overview of the Forex marketThe Forex market is a non-stop cash market where currencies of nations are traded, typically via brokers. Foreign currencies are constantly and simultaneously bought and sold across local and global markets and traders' investments increase or decrease in value based upon currency movements. Foreign exchange market conditions can change at any time in response to real-time events.
The main enticements of currency dealing to private investors and attractions for short-term Forex trading are:- 24-hour trading, 5 days a week with non-stop access to global Forex dealers.
- An enormous liquid market making it easy to trade most currencies.
- Volatile markets offering profit opportunities.
- Standard instruments for controlling risk exposure.
- The ability to profit in rising or falling markets.
- Leveraged trading with low margin requirements.
- Many options for zero commission trading.
list commercial bank of MALAYSIA
Commercial Banks
No.
1
ABN AMRO Bank Berhad
2
Bangkok Bank Berhad
3
Bank of America Malaysia Berhad
4
Bank of China (Malaysia) Berhad
5
Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad
6
Citibank Berhad
7
Deutsche Bank (Malaysia) Berhad
8
HSBC Bank Malaysia Berhad
9
OCBC Bank (Malaysia) Berhad
10
Standard Chartered Bank Malaysia Berhad
11
The Bank of Nova Scotia Berhad
12
J.P. Morgan Chase Bank Berhad
13
United Overseas Bank (Malaysia) Berhad.
14
Affin Bank Berhad
15
Alliance Bank Malaysia Berhad
16
AmBank (M) Berhad
17
CIMB Bank Berhad
18
EON Bank Berhad
19
Hong Leong Bank Berhad
20
Malayan Banking Berhad
21
Public Bank Berhad
22
RHB Bank Berhad
No.
1
ABN AMRO Bank Berhad
2
Bangkok Bank Berhad
3
Bank of America Malaysia Berhad
4
Bank of China (Malaysia) Berhad
5
Bank of Tokyo-Mitsubishi UFJ (Malaysia) Berhad
6
Citibank Berhad
7
Deutsche Bank (Malaysia) Berhad
8
HSBC Bank Malaysia Berhad
9
OCBC Bank (Malaysia) Berhad
10
Standard Chartered Bank Malaysia Berhad
11
The Bank of Nova Scotia Berhad
12
J.P. Morgan Chase Bank Berhad
13
United Overseas Bank (Malaysia) Berhad.
14
Affin Bank Berhad
15
Alliance Bank Malaysia Berhad
16
AmBank (M) Berhad
17
CIMB Bank Berhad
18
EON Bank Berhad
19
Hong Leong Bank Berhad
20
Malayan Banking Berhad
21
Public Bank Berhad
22
RHB Bank Berhad
股市笑话
一只壁虎在一家证券公司门口迷了路，这时正好 一条大鳄鱼远远地爬了过来，准备要一口 吃掉
它，情急之下，小壁虎上前一把抱住了鳄鱼的腿，大声喊："妈妈！"大鳄鱼一愣，立即老泪纵横："儿
啊，刚炒股半个月就瘦成这样了！"
它，情急之下，小壁虎上前一把抱住了鳄鱼的腿，大声喊："妈妈！"大鳄鱼一愣，立即老泪纵横："儿
啊，刚炒股半个月就瘦成这样了！"
Lim Goh Tong $ 1.9 billion
Source: gaming
Age: 86married6 Children
Country: Malaysia
Former public works contractor turned his idea for a hilltop resort in the outskirts of the capital city Kuala Lumpur into one of the biggest casinos in the world, with more than 6,000 rooms and 14 million patrons annually. Handed over chairmanship of Genting Group to son Lim Kok Thay this year.
Ananda Krishnan
$ 3.5 billion
Source: telecom
Age: 66married3 Children
Country: Malaysia
Owner of Malaysia's sole cable TV operator braces for competition from rival MiTV, debuting this year. His mobile phone company Maxis Communications will expand in India and Indonesia soon. Controls racetrack betting and lottery systems in Malaysia.
malaysia richest man
Robert Kuok $ 4.1 billionSource:
diversifiedAge: 81married
8 Children
Country: MalaysiaRegion's richest man.
His empire includes Shangri-La hotel chain, the South China Morning Post and real estate group Kerry Properties. Got his start trading rice and then sugar in Malaysia in the 1950s and 1960s. In April, became largest shareholder in Malaysian air cargo company, Transmile Group. He is planning a big rollout of his food businesses into India.
Established in 1973, Bursa Malaysia today has over 1,000 listed companies offering a wide range of investment choices to the world. Companies are either listed on Bursa Malaysia Securities Main Board for larger capitalised companies, the Second Board for medium sized companies or the MESDAQ Market for high growth and technology companies. We also have an offshore market. In assisting the development of the Malaysian capital market and enhancing global competitiveness, Bursa Malaysia is committed to maintaining an efficient, secure and active trading market for local and global investors.
Bursa malaysia comprises an exchange holding company and various subsidiaries which own and operate our various businesses. We operate our businesses through the following three (3) business units:
Bursa malaysia comprises an exchange holding company and various subsidiaries which own and operate our various businesses. We operate our businesses through the following three (3) business units:
Securities Exchange The markets which make up our Securities Exchange are our Main Board, Second Board and MESDAQ Market. This exchange is operated by Bursa Securities.- Derivatives Exchange Our Derivatives Exchange offers futures and options contracts covering financial, equity and commodity-related instruments. This exchange is operated by Bursa Derivatives.
- Offshore Exchange Our Offshore Exchange is an international offshore financial exchange based in Labuan, Malaysia’s international offshore financial center. This exchange is operated by LFX.
Clearing, settlement and depository business unit. We offer clearing, settlement and depository services through Bursa Securities Clearing (our clearing house for our Securities Exchange), Bursa Derivatives Clearing (our clearing house for our Derivatives Exchange) and Bursa Depository (the central depository for securities listed on our Securities Exchange
Information services business unit.
Through Bursa Information, we compile and disseminate comprehensive market information, both real time and historical, and develop and market information products and services.
history of bursa malaysia
The first formal securities business organisation in Malaysia was the Singapore Stockbrokers' Association, established in 1930. It was re-registered as the Malayan Stockbrokers' Association in 1937. The Malayan Stock Exchange was established in 1960 and the public trading of shares commenced. The board system had trading rooms in Singapore and Kuala Lumpur, linked by direct telephone lines.
In 1964, the Stock Exchange of Malaysia was established. With the secession of Singapore from Malaysia in 1965, the Stock Exchange of Malaysia became known as the Stock Exchange of Malaysia and Singapore. In 1973, currency interchangeability between Malaysia and Singapore ceased, and the Stock Exchange of Malaysia and Singapore was divided into the Kuala Lumpur Stock Exchange Berhad and the Stock Exchange of Singapore. The Kuala Lumpur Stock Exchange which was incorporated on December 14, 1976 as a company limited by guarantee, took over the operations of the Kuala Lumpur Stock Exchange Berhad in the same year.
On April 14, 2004, we changed our name to Bursa Malaysia Berhad, following our demutualization exercise, the purpose of which was to enhance our competitive position and to respond to global trends in the exchange sector by making us more customer-driven and market-oriented. We are focused on various initiatives aimed at improving our product and service offerings, increasing the liquidity and velocity of our markets, improving the efficiency of our businesses and achieving economies of scale in our operations.
bank negara
Bank Negara Malaysia
Bank Negara Malaysia (Central Bank of Malaysia) was established in January 1959, in line with the Banking Ordinance 1958 (revised to the Central Bank of Malaysia Act in 1994). Its main function is to supervise and regulate banking and related activities in Malaysia. Bank Negara Malaysia also helps to develop the institutions and infrastructure that are the foundations of a modern and solid financial system.
Objectives of Bank Negara Malaysia
- To ensure monetary stability and a stable financial structureBank Negara Malaysia holds the responsibility of ensuring monetary stability and promoting a durable financial structure in the country. Price stability is an important factor in ensuring monetary stability in any country, and towards this end, the inflation rate must be kept in check and the ringgit's purchasing power kept at a steady level. Bank Negara Malaysia employs a variety of tools to manage monetary stability, including open market operations, direct intervention and usage of the statutory reserve requirement (SRR).
- To function as the Government's banker and financial adviserOne of the most important functions of Bank Negara Malaysia is advising the Government on finance-related matters. It dispenses policy advice to the Government on the state of its loan programmes, particularly the terms and conditions of specific loan agreements. Bank Negara Malaysia also delivers a twice-yearly report to the Finance Minister detailing the state of the economy, and requisite recommendations on how best to meet future developments. The management of government securities is also handled by Bank Negara Malaysia through its trading and settlement system.
- To be the sole authority issuing currency in the country and to maintain appropriate currency reservesA specific chapter of the Banking Ordinance 1958 allows for Bank Negara Malaysia to be the sole issuer of currency in the country. Bank Negara Malaysia is authorised to issue all legal tender currency for use in the country. It also plays an important role in maintaining the proper amount of currency reserves for the country, kept in the form of gold and foreign currency assets. It ensures that the Malaysian ringgit has the necessary gold and foreign exchange backing.
- To affect the general credit situation so as to benefit the country's economyBank Negara Malaysia must ensure that the general money supply and credit volume have the appropriate "elasticity" to meet the demands of the domestic economy, while not making unjustified demands on the country's resources at the same time. To this end, essential financial resources and apparatuses must be wisely managed so as to maximise benefits to the country's banking system. Bank Negara Malaysia also makes certain that local financial institutions adopt applicable policies and practices that make them more sustainable in the face of international competition.
白手起家的男人变成富翁 秘诀在哪儿
1、让金钱成为你的情人。 别在性爱上浪费时间和精力，你会发现，从长远来看，赚钱比性爱更让人兴奋，这可不是空头支票。寻求需求，满足需求。追求财富者的最大天分是瞄准时机，预测所需。大众牌小汽车，美国快餐食品都是满足人们需要的例子。
2、谨防从众心理。 群众心理弊病多，即使它是正确的，追随它一般也没有什么利润。在一般情况下，摘取经济精华的都是带头人而不是追随者。
3、当雇主而不是雇员。 那些满足于雇主付给他们高薪的男人并不是真正追求财富的人，他们的目标仅仅是成就感或权力欲。你最好去当老板，即使雇员只有你一个，赚的钱也会比任何一个公司付给你的多。
4、发展你的支配技巧。 大多数人认为，支配别人，让他们去做你想让他们干的事情非常恶劣。然而，实际情况是，我们时时都在自己没有意识到的情况下支配着别人。
5、追求财富的人常常是直觉地支配着别人，而且是个行家里手。
2、谨防从众心理。 群众心理弊病多，即使它是正确的，追随它一般也没有什么利润。在一般情况下，摘取经济精华的都是带头人而不是追随者。
3、当雇主而不是雇员。 那些满足于雇主付给他们高薪的男人并不是真正追求财富的人，他们的目标仅仅是成就感或权力欲。你最好去当老板，即使雇员只有你一个，赚的钱也会比任何一个公司付给你的多。
4、发展你的支配技巧。 大多数人认为，支配别人，让他们去做你想让他们干的事情非常恶劣。然而，实际情况是，我们时时都在自己没有意识到的情况下支配着别人。
5、追求财富的人常常是直觉地支配着别人，而且是个行家里手。
当亿万富翁的三个条件
到底富人拥有什么特殊技能是那些天天省吃俭用、日日勤奋工作的上班族所欠缺的呢？富人何以能在一生中积累如此巨大的财富？答案无非是：投资理财的能力。民众理财知识的差距悬殊，是真正造成穷富差距的主要原因。理财致富只需具备三个基本条件：固定的储蓄，追求高报酬以及长期等待。
A、亿万富翁的神奇公式 假定有一位年轻人，从现在开始能够定期每年存下1.4万元，如此持续40年；但如果他将每年应存下的钱都能投资到股票或房地产，并获得每年平均20%的投资报酬率，那么40年后，他能积累多少财富？一般人所猜的金额，多落在200万元至800万元之间，顶多猜到1000万元。然而正确的答案却是：1.0281亿，一个令众人惊讶的数字。这个数据是依照财务学计算年金的公式得之，计算公式如下：1.4万(1＋20%)40=1.0281亿。 这个神奇的公式说明，一个25岁的上班族，如果依照这种方式投资到65岁退休时，就能成为亿万富翁了。投资理财没有什么复杂的技巧，最重要的是观念，观念正确就会赢，每一个理财致富的人，只不过养成了一般人不喜欢、且无法做到的习惯而已。
B、钱追钱快过人追钱 台湾有句俗语叫：“人两脚，钱四脚”，意思是钱有4只脚，钱追钱，比人追钱快多了。和信企业集团是台湾排名前5位的大集团，由和信企业集团会长辜振甫和台湾信托董事长辜濂松领军。外界总想知道这叔侄俩究竟谁比较有钱，有钱与否其实与个性有很大关系。辜振甫属于慢郎中型，而辜濂松属于急惊风型。辜振甫的长子——台湾人寿总经理辜启允非常了解他们，他说：“钱放进辜振甫的口袋就出不来了，但是放在辜濂松的口袋就会不见了。”因为辜振甫赚的钱都存到银行，而辜濂松赚到的钱都拿出来投资。而结果是：虽然两个年龄相差17岁，但是侄子辜濂松的资产却遥遥领先于其叔辜振甫。因此一生能积累多少钱，不是取决于你赚了多少钱，而是你如何理财。致富关键在如何理财，并非开源节流。
C、将财产作三等份打理 目前，储蓄仍是大部分人传统的理财方式。但是，钱存在银行短期是最安全，但长期却是最危险的理财方式。银行存款何错之有？其错在于利率(投资报酬率)太低，不适于作为长期投资工具。同样假设一个人每年存1.4万元；而他将这些钱全部存入银行，享受平均5%的利率，40年后他可以积累1.4万元(1＋5%)40=169万元。与投资报酬率为20%的项目相比，两者收益竟相差70多倍。 更何况，货币价值还有一个隐形杀手——通货膨胀。在通货膨胀5%之下，将钱存在名义利率约为5%的银行，那么实质报酬等于零。因此，一个家庭存在银行的金额，保持在两个月的生活所需就足够了。不少理财专家建议将财产3等份，一份存银行，一份投资房地产，一份投资于较投机的工具上。我们不妨建议你的投资组合为“两大一小”，即大部分的资产以股票和房地产的形式投资，小部分的钱存在金融机构，以备日常生活所需。
D、最安全的投资策略 理财致富是“马拉松竞赛”而非“百米冲刺”，比的是耐力而不是爆发力。对于短期无法预测，长期具有高报酬率之投资，最安全的投资策略是：先投资，等待机会再投资。 有些人认为理财是富人、高收入家庭的专利，要先有足够的钱，才有资格谈投资理财。事实上，影响未来财富的关键因素，是投资报酬率的高低与时间的长短，而不是资金的多寡。以那个神奇的公式所讲述的方法为例，若你已经拥有36万元，则你可以减少奋斗10年，若你已有261万元，则可以减少奋斗20年，而只需20年就可以成为亿万富翁。要想有更多的本钱，不妨去借。投资理财的最高境界也正是“举债投资”。而银行的功能，则是提供给不善理财者一个存钱的地方，好让善于理财者利用这些钱去投资赚钱。 诺贝尔基金会的启示 世界闻名的诺贝尔基金会每年发布奖项必须支付高达500万美元的奖金。我们不禁要问：诺贝尔基金会的基金到底有多少？事实上，诺贝尔基金会的成功，除了诺贝尔本人在100年前捐献一笔庞大的基金外，更重要的是归功于诺贝尔基金会的理财有方。诺贝尔基金会成立于1896年，由诺贝尔捐献980万美元。由于该基金会成立的目的是用于支付奖金，管理不允许出现任何的差错。因此，基金会成立初期，其章程中明白地确定基金的投资范围，应限制在安全且固定收益的项目上，如银行存款与公债。这种保本重于报酬率、安全至上的投资原则，的确是稳重的做法。但牺牲报酬率的结果是：随着每年奖金的发放与基金运作的开销，历经50多年后，到1953年该基金会的资产只剩下300多万美元。 眼见基金的资产将消耗殆尽，诺贝尔基金会的理事们及时觉醒，意识到投资报酬率对财富积累的重要性，于是在1953年做出突破性的改变，更改基金管理章程，将原来只准存放银行与买公债，改变为应以投资股票、房地产为主的理财观。资产管理观念改变后，就此扭转了基金的命运。1993年基金的总资产滚动至2亿多美元。
A、亿万富翁的神奇公式 假定有一位年轻人，从现在开始能够定期每年存下1.4万元，如此持续40年；但如果他将每年应存下的钱都能投资到股票或房地产，并获得每年平均20%的投资报酬率，那么40年后，他能积累多少财富？一般人所猜的金额，多落在200万元至800万元之间，顶多猜到1000万元。然而正确的答案却是：1.0281亿，一个令众人惊讶的数字。这个数据是依照财务学计算年金的公式得之，计算公式如下：1.4万(1＋20%)40=1.0281亿。 这个神奇的公式说明，一个25岁的上班族，如果依照这种方式投资到65岁退休时，就能成为亿万富翁了。投资理财没有什么复杂的技巧，最重要的是观念，观念正确就会赢，每一个理财致富的人，只不过养成了一般人不喜欢、且无法做到的习惯而已。
B、钱追钱快过人追钱 台湾有句俗语叫：“人两脚，钱四脚”，意思是钱有4只脚，钱追钱，比人追钱快多了。和信企业集团是台湾排名前5位的大集团，由和信企业集团会长辜振甫和台湾信托董事长辜濂松领军。外界总想知道这叔侄俩究竟谁比较有钱，有钱与否其实与个性有很大关系。辜振甫属于慢郎中型，而辜濂松属于急惊风型。辜振甫的长子——台湾人寿总经理辜启允非常了解他们，他说：“钱放进辜振甫的口袋就出不来了，但是放在辜濂松的口袋就会不见了。”因为辜振甫赚的钱都存到银行，而辜濂松赚到的钱都拿出来投资。而结果是：虽然两个年龄相差17岁，但是侄子辜濂松的资产却遥遥领先于其叔辜振甫。因此一生能积累多少钱，不是取决于你赚了多少钱，而是你如何理财。致富关键在如何理财，并非开源节流。
C、将财产作三等份打理 目前，储蓄仍是大部分人传统的理财方式。但是，钱存在银行短期是最安全，但长期却是最危险的理财方式。银行存款何错之有？其错在于利率(投资报酬率)太低，不适于作为长期投资工具。同样假设一个人每年存1.4万元；而他将这些钱全部存入银行，享受平均5%的利率，40年后他可以积累1.4万元(1＋5%)40=169万元。与投资报酬率为20%的项目相比，两者收益竟相差70多倍。 更何况，货币价值还有一个隐形杀手——通货膨胀。在通货膨胀5%之下，将钱存在名义利率约为5%的银行，那么实质报酬等于零。因此，一个家庭存在银行的金额，保持在两个月的生活所需就足够了。不少理财专家建议将财产3等份，一份存银行，一份投资房地产，一份投资于较投机的工具上。我们不妨建议你的投资组合为“两大一小”，即大部分的资产以股票和房地产的形式投资，小部分的钱存在金融机构，以备日常生活所需。
D、最安全的投资策略 理财致富是“马拉松竞赛”而非“百米冲刺”，比的是耐力而不是爆发力。对于短期无法预测，长期具有高报酬率之投资，最安全的投资策略是：先投资，等待机会再投资。 有些人认为理财是富人、高收入家庭的专利，要先有足够的钱，才有资格谈投资理财。事实上，影响未来财富的关键因素，是投资报酬率的高低与时间的长短，而不是资金的多寡。以那个神奇的公式所讲述的方法为例，若你已经拥有36万元，则你可以减少奋斗10年，若你已有261万元，则可以减少奋斗20年，而只需20年就可以成为亿万富翁。要想有更多的本钱，不妨去借。投资理财的最高境界也正是“举债投资”。而银行的功能，则是提供给不善理财者一个存钱的地方，好让善于理财者利用这些钱去投资赚钱。 诺贝尔基金会的启示 世界闻名的诺贝尔基金会每年发布奖项必须支付高达500万美元的奖金。我们不禁要问：诺贝尔基金会的基金到底有多少？事实上，诺贝尔基金会的成功，除了诺贝尔本人在100年前捐献一笔庞大的基金外，更重要的是归功于诺贝尔基金会的理财有方。诺贝尔基金会成立于1896年，由诺贝尔捐献980万美元。由于该基金会成立的目的是用于支付奖金，管理不允许出现任何的差错。因此，基金会成立初期，其章程中明白地确定基金的投资范围，应限制在安全且固定收益的项目上，如银行存款与公债。这种保本重于报酬率、安全至上的投资原则，的确是稳重的做法。但牺牲报酬率的结果是：随着每年奖金的发放与基金运作的开销，历经50多年后，到1953年该基金会的资产只剩下300多万美元。 眼见基金的资产将消耗殆尽，诺贝尔基金会的理事们及时觉醒，意识到投资报酬率对财富积累的重要性，于是在1953年做出突破性的改变，更改基金管理章程，将原来只准存放银行与买公债，改变为应以投资股票、房地产为主的理财观。资产管理观念改变后，就此扭转了基金的命运。1993年基金的总资产滚动至2亿多美元。
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