Lowyat.NET: Latest topics by foofoosasa

Definition of T1, T5, T10, T15 etc

foofoosasa — Wed, 23 Oct 2024 05:56:56 +0800

Actually wat Is the household income range for

T1
T5
T10
T15

simply guess and no official figure also. Or wait from rafizi come out his magic number. Any /k definition or proper statistic figure since many sherlock here.

Lending to worker

foofoosasa — Thu, 08 Jun 2023 12:11:20 +0800

Hi guys,

I am SME business owner. One of my employee ask to borrow big loan from me ( 5 digit and above, probably around 1 year of his salary). He works in my company for more than 10 years.

He promised me to repay me fully once his got his money from selling his property.

Anyway to protect myself if i lend this money to the employee ?
Such as ask him to pledge his personal asset to me, or sign some sort of legal documents? Thanks and appreciate your opinion

Sub rent hawker stall in my Shoplot?

foofoosasa — Sat, 06 Jul 2019 08:46:00 +0800

I am currently residing in small town somewhere in sabah.

I have one Shoplot 1000sq that I currently think of to subrent to few hawker stall while I will employ someone to operate the beverage business.

Anyone who currently operates in this kind of business model?

Is profit sharing better or just subrent to these hawker stall?

I am not how the profit sharing work since the hawker stall probably can cheat their sales figure.

Kindly feedback some idea. Really new to fnb and I just want simple business model and don't want headache about the operation.

Thanks!

Ntpm 5066

foofoosasa — Sun, 08 Dec 2013 09:11:28 +0800

Hi all, I am not sure whether this thread already exists or not. Let's discussed it here. Will update some of the info about the company.

Jobstreet Corp Bhd 0058

foofoosasa — Wed, 05 Oct 2011 09:50:11 +0800

No one interested on this stock?

Strength

1)competitive advantage is OK but not very strong (still able to maintain due to networking effect to lock the existing customer).

2)deliver quite satisfactory result in term of profits

3)Accrued earning quite match the cash flow

4)I think the management is quite OK too..

5)invest their extra cash into oversea to participate more job listing business.

6) Low Capex require to maintain in the business.

7)Listing business is simple and straightforward (think of real estate listing companies,website listing companies etc..), but it might be easy for competitor to replicate the business model too. personally I believe it may take times to remove the competitive advantage (huge presence in south east asia).

8)Youngster are less likely will refer newspaper job ads in future (sunset industry that will transfer sunrise industry like this)

Weakness
1) competitor easily replicate the business model (though may take some time IMO)

2)Most of the investor still doesn't have depth understanding how e-commerce operates

3) experience worker normally may apply the recruitment through company directly or networking without using jobstreet.

4) not optimally manage their cash flow while in reality they can do much more better.Such as finding reinvestment activity versus dividend payout. (overall still OK at least better than many of the companies listed in KLSE ).

5)Revenue tends to follow business cycle (still require further research to confirm the volatility of earnings)

6)Global competition - Linkned

7)Some believed easily duplicated by other competitor.
Current Geographic presence

Malaysia - No.1
Singapore - No.2
Indonesia - No .2
Philippines - No. 1

Other Geographical presence (relatively small and some still involve in JV)
India
Hong Kong
Taiwan
Thailand
Japan

Hope can hear others opinion about this stock
FA or TA are welcomed
* will try to update the info of company*

HSBC premier account

foofoosasa — Fri, 10 Dec 2010 07:21:20 +0800

Hi guys, I know there is a thread exist before but I just couldn't found it.

I just want to ask, since HSBC premier account allow you to transfer money to oversea, Is there a limit of transaction for doing so?

Some other sensitive issue such as , as I know gov will check every $$ transaction that outflow from malaysia. Is that anyway to avoid it (in legal way) ? e.g ( you have to declare it if over certain amount)... especially using premier account

hope some people can answer me. Thanks !

Value Investing + Fundamental analysis

foofoosasa — Sun, 08 Aug 2010 19:26:27 +0800

Hi guys,Personally I believe value investing really works well for myself.I know some of you guys are using value investing to invest in stock too.

How do you guys value a stock usually?

Relative valuation ? (e.g p/e ratio , p/b ratio , peg ratio, EPS growth..)

Absolute valuation ? ( DCF cash flow formula, Growth stock formula )

Do you guys have any specific method?How do you guys determine Intrinsic value of the stocks?

There are many article said that it's hard to value growth stock, and much easier to value stable business stock.

In addition, many of the academic theory and calculation doesn't really capture the value well ( although I might still use it too)

For fundamental part, I will focus more on ROE and business nature before invest in any stocks.(I am a big fan of Warren buffet and Benjamin Graham)

Share your view here

=)

I will list more of my valuation ( feel free to criticise)

PBBank - 2010 RM 9.94 2011 RM 10.30

If you want to more conservative, you can apply some safety of margin...
will update more in future ( more stock and its future intrinsic value)

PS: I have no ability to predict share price, the share price could be halved, double,triple,...compared to the value ( yeah I have the first experience some of the stock there..It take so many years for the price to follow the value)
PS 2 : Benjamin graham said share price will behave like voting machine in short term, but weighting machine in the long term.
PS 3: for value investor like me,I would like buy something that's not popular, or "feel fear when people are greedy, be greedy when people are fear", It's always risky to buy something that's already popular.
PS 4: note that I am not giving any advice here...just give some of my personal opinion to give guideline about the value.
PS 5:economic condition , or surprise earning and material effect (do some stupid thing) can affect the value.

combination of degree of commece

foofoosasa — Sat, 23 May 2009 12:47:20 +0800

just want to ask some senior here,here is some of the option double major of

(1)Finance + marketing

(2)Finance + accounting

(3)Finance + managemnt

(4)Finance +international business

Among these 4,how do company evaluate such combination of degree and your job?I m not talking about salary here,
what i m talking about is wat is the diffrence of your after u graduate especially in Banking Invesment Firm ,Insurance Compnay or Big 4? Thx

regarding about degree of commerce

foofoosasa — Sat, 23 May 2009 12:43:40 +0800

just want to ask some senior here,here is some of the option double major of

(1)Finance + marketing

(2)Finance + accounting

(3)Finance + managemnt

(4)Finance +international business

Among these 4,how do company evaluate such combination of degree?I m not talking about salary here,
what i m talking about is wat is the diffrence of your after u graduate especially in Banking Invesment Firm ,Insurance Compnay or Big 4? Thx

STPM student pls help~

foofoosasa — Sat, 25 Apr 2009 23:03:40 +0800

hi guys.I m helping my fren to ask something,here we go..

"i'm a form6 science stream student.. i plan to switch to art stream when i go to local university later.. is this possible? is it easy to do so? (this is because i want to take the course: Bachelor in Business Administration) i hope that someone can kindly reply me thx!

another question," a teacher said i hav to compete with art's ppl... using my CGPA with theirs...
i jz wonder if im frm science, is tat any higher priority or wat else... tat allow me to do switch"?

Aus property market

foofoosasa — Thu, 23 Apr 2009 16:57:40 +0800

HI,i wonder is there any forumer invest in the aus property market?wat is ur opinion with the current market there if u have any idea?here is some of the reference website..

http://www.news.com.au/business/money/stor...5013951,00.html

I hope some 1st hand investor can share their opinion here

Price For LV,Gucci,Fendi BAG

foofoosasa — Tue, 07 Apr 2009 22:10:55 +0800

I have no idea how much these bag cost.can some one give me the minimum price range..just the normal bag..not limited edition.

Working in singapore with australia degree

foofoosasa — Wed, 11 Mar 2009 16:46:57 +0800

hi,may i ask is that possible for malaysian with australia degree working in SG?what is the requirement?I m taking bachelor of commerce major in finance and actuarial.THX!

Our maths level in secondary sch level ?

foofoosasa — Wed, 14 May 2008 14:06:09 +0800

erm..currently i am in Aus now for studying foundation years.so when i come here..i realize that our maths level in secondary school is lower than china, SG and indonesia? i am taking add maths in secondary sch.but from what i heard from my senior,the maths level standard in malaysia quite high 10 years ++ ago?isnt our maths level now is dropping so that can let student easy to pass or get A in SPM?

need advice..

foofoosasa — Wed, 05 Dec 2007 15:43:23 +0800

I am lookiing for a new laptop.so HP or dell laptop is more good? my budget is about RM3.5K -RM4.5K.can introduce some of the model which you think are good for HP and dell mobile computer?

biofuel market~

foofoosasa — Wed, 21 Nov 2007 00:04:24 +0800

From what i know,biofuel have a huge market in future.what do you think?
may i ask what is the percentage of biological sources in fuel.beside that,what sources is the best for biological sources for fuel in market now?
besides palm oil, any crop that can contribute towards Biodiesel?? Please provide approximation of modal needed and return of investment and if possible the market price of the crop mentioned.

economic course in Australia

foofoosasa — Sun, 28 Oct 2007 13:09:51 +0800

as topic,i want to ask about isn't too common to study ecnomy single degree?or need i study double degree(one of it is economy)? will i face difficulty when finding job?any experience or who are taking this course mind to share?

Taylor or Help

foofoosasa — Wed, 24 Oct 2007 17:46:38 +0800

i decide to take Accounting & finance course.may i ask,anyone of u think tat which college is better in the degree between Taylor and HELP? issit both approved by LAN in malaysia? issit apporved by other countries too..especialy singapore,UK and australia...l

Buying property in Sabah & sarwak

foofoosasa — Tue, 25 Sep 2007 14:11:28 +0800

for investment in these few year?izzit worth especially in the main city such as kuching,Miri,kota kinabalu...?

becoming actuary?

foofoosasa — Mon, 17 Sep 2007 16:38:21 +0800

need some advice from expert...any suggestion?