48 SMART: April 2012
+Smartan Dad

Thursday, 26 April 2012


IKEA's latest electronics product is a disposable camera made with a cardboard.
you will never get a stuff that is so cool.

Perhaps you've saw the video advertisement from IKEA which they announced it will begin of selling an all-in-one entertainment center with an HDTV and media player. I think peoples are getting pretty exciting when getting to know this new wireless all-in-one system. Check out below video, just in-case you've missed it.

but now, shared by a press member of recent event in Milan, IKEA gave out this cardboard disposable camera. I'm hardly imagine with IKEA design of this green product. The camera uses of two AA batteries and can store up to 40 pictures max. you can connect the camera directly to your PC usb, just you can see in the photo right top side.

I'm not sure about the pricing. But i believe it will be having a very fragile body. Hmm.... I'm wondering that will it launch in Malaysia. Maybe i will buy one for green environment support.

Wednesday, 25 April 2012

Long Term Investing Insights

I always input myself saying that long term investing will bring good ROI (return of investment).
But some peoples told me that, the shares market definitely will kill me.

In Malaysia, there are five types of gambling are legalize.

No. 1 - TOTO
No. 2 - MAGNUM
No. 3 - PMP (KUDA)
No. 5 - ????

Who can guess what is no. 5? They told me the shares market is the largest gambling center.
Actually I don't agree with them. Because I believe with Warren Buffett investing insights.

Left side is the KLCI that around 1 year time period. What can we notice from the chart?

In the short-term, the market randomly goes through up trends and downtrends. Spike and Busts. This volatility is what causes loss an fear to the gamblers or inexperience investors.

Next, what do we see from the new chart?
If you had invested in a one year period as above chart. Your chance of loss would be as much as 20% or more.

But if you've invested in a 3-year period, your chances of loss would have been 0%. Your chance of gain would be more than 50%.

In the words, you always win and make money if you hold your investment long enough.

Intel's First Android Smartphone

Intel has entered mobile phones market With Lava’s XOLO X900 launched in India only on April 23.

It’s still a mid-tier Android 2.3 phone (ICS is coming) with a 4.03-inch, HSPA+ 3G phone, powered by Intel’s Atom Medfield Z2460 processor. Intel designed this Atom SoC with Android specifically in mind. The chip runs at a competitive 1.6GHz and features Intel’s hyper-threading, 400MHz GPU with support for OpenGL, ES2.0 and OpenVG.

The X900 also features a 4-inch, 600×1024 display (295 PPI), 1GB of RAM, 16GB of internal storage, a 1.3MP front and 8MP rear camera (with 10 shot per second burst mode).Intel estimates that the X900 will deliver around eight hours of talk time, 45 hours of MP3 playback, and five hours of 3G browsing.

The Lava Xolo X900 will be offered up to customers in India for INR 22,000, or about RM1,281.

Windows 8 Preview

Microsoft will unleash a "release preview" version of Windows 8 in the first week of June.
Microsoft President Steven Sinofsky made the announcement during an on-stage appearance at Japan's Windows 8 Dev Days and more broadly on the Build Windows 8 Twitter feed.

The beta version of Windows 8 came out on February 29.
The release preview is the last stage before a product's final version.
The final version of Windows 8 will launch this October according to a recent report.

Windows 8 is intended to unify Microsoft's flagship OS on the desktop and tablet. Windows 8 is tooled to run on on ARM chips as well as so-called x86 chips that power traditional PCs.

For those who intend to get a new laptop, you can just wait until Windows 8 is officially released end of 2012.

Saturday, 21 April 2012

Hyundai Elantra test drive and feedback

Today had tested cars on New Hyundai Elantra 1.6 and 1.8. Below are the feedback:

Exterior (4/5)
-Look sporty, solid and nice build quality.
-Lack of exhaust pipe design.
-Solid door and handle but there was crispy sound when closing the door.

Interior (4.5/5)
-Very solid interior and design but door paddle handle was too light and plastic.
-Having large passengers space and Very huge boot size... that can place around 3 to 4 golf bags.
-Nice and comfort leather seats.

Handling (4/5)
-Excellent smooth response either in low speed or high speed.
-Gear shifting response was not direct and slightly delayed due to automatic 6 speed gearbox.
-Suspension setting was good in road ride.

Performance (4/5)
-Engine power is stunning. Good in pick-up and high rev. Feeling almost like 2L engine car performance.
-Engine design and performance setting is much more better than Kia Forte in 1.6L and 2.0L

Sound proof (4/5)
-Good sound proof from engine bay, gearbox and external 
-Air-conditional noise slightly loud but still can acceptable.

Price (5/5)
-Worth to buy it in 1.6 high spec and 1.8L.
-Should not compare this price with Kia Forte or Honda Civic or Toyota Altis because it was different driving experiences and very good in ergonomics.
-Fuel consumption was good and almost in middle of Toyota Vios and Honda Civic 1.8L.

Overall/Conclusion (5/5)
-Very recommend!
-Value for money, in term of car design, performance, fuel economy and maintenance cost.

Proton Preve test drive and feedback

Today had tested cars on New Proton Preve. Below are the feedbacks:

Proton Preve (1.6 turbo high spec)
Exterior (3/5)
-Overall looks nice. After close look, it feels very plastic and low cost in certain area/portions (door handle).
-Door handle feel will going to tear off when open it. When close the door, it feels not able to close tight.

Interior (2/5)
-Very plastic and not solid at all.
-Having large passengers space and huge boot size.

Handling (2/5)
-Lotus handling steering?? Nope. Very jerking in response and not so smooth.
-Gear shifting response was fast but the paddle shifter slight lag of feeling when tab on it for shifting.
-Suspension setting still can acceptable for the road ride.

Performance (4/5)
-Engine power is excellent when around 2500-3000rpm. It was powerful to stick you on seat.

Sound proof (1/5)
-Absolutely bad. Huge noise when cross over road bump. Totally cannot acceptable for this kind of price range.
-Able to heard noise from engine bay and gearbox revving.

Price (1/5)
-Not worth to buy it. Quite expensive with this price range and specs.

Overall/Conclusion (1.5~2/5)
-Not recommend.
-Drive it to believe it. It is sucks.

Charge Card vs Credit Card

This is the most classic and well-known charge card in the world. I remembered last time whenever I shopped for wallets, I could always see the imitation of this AMEX charge card inside the wallet. Charge card is quite similar to credit card with some differences in payment.







Charge Card

  1. No preset credit limit.
  2. Must settle full amount of statement before due date.
  3. Late payment charge, minimum RM50 or 3.5% of unpaid balance, whichever is greater.

Credit Card

  1. Credit limit is preset, cannot spend beyond the limit.
  2. Only need to settle minimum RM50 or 5% of statement balance, whichever is higher.
  3. Late payment charge, minimum RM10 or 1% of outstanding balance, whichever is higher.

    Thursday, 19 April 2012

    Company Key Statistic

    Investing a company need to analyze many key statistic that helping you bring up your confident toward the company that you hope to invest. (Key statistic like PE ratio, EPS, EBITDA, Dividend yield, etc.)

    but normally where can we find these info?

    I notice that Bloomberg do have the partial key statistic that we want. The most important is the accurate and reliable financial data provided. The most i prefer is that it has stated the relative PE comparing with FBMKLCI.

    You may get something like below from Bloomberg,

    DIGI.com Bhd.

    How you will get the info in Bloomberg web?

    It is easy, you only need to search the company name in market tab of Bloomberg. Then you look into the key statistic. Then you will got what you want. Please have a try.

    Next maybe i will share the what is the key parameters or statistic that represent to.

    Monday, 16 April 2012

    How to Get Maximum Cash Rebates

    For income not more than RM36,000 per year, a person can only have credit cards from maximum TWO financial institutions. Maybankard 2 and OCBC Titanium Card are ESSENTIAL to spend smart and live smart as the combination is best of the best in the current market.

    You can get maximum rebates by using Maybankard 2 AMEX and OCBC Titanium Card as a combination. Let's see how much you can save from current family monthly spending.







    Monthly Card Usage

    Amount (RM)
    Phone Bill    
    Indah Water   

    Card Spending Strategy

    Amount (RM)
    Rebate (%)
    Rebate (RM)
    Phone Bill    
    Indah Water   

    Total saving/ month

    Total Saving per month    RM85.65
    Total Saving per year       RM927.80
    (deduct GST RM100)

    OCBC Titanium Card

    As posted earlier, Maybankard 2 AMEX offers highest cash rebates during weekends. You might want to ask what about spending on weekdays? Which card could give the highest rebates? The answer is OCBC Titanium Card. It is another card that you should keep in your wallet to complement Maybankard 2.


    Update 13/3/13: OCBC Titanium has changed to a new look recently. New features on travel are introduced as well!



    The Features

    1.  Zero annual fees with 12x swipes per year.
    2. Annual Usage Bonus to offset GST with spending of RM10,000 per year.
    3. 5% rebate on dining (all shops with merchant category code of dining).
    4. 5% rebate on groceries (all hypermarkets such as Tesco, Carrefour, Giant).
    5. 5% rebate on utility bills (TNB, Telekom, Maxis, Digi, Celcom, Indah Water).
    6. 5% rebate on petrol (all petrol stations).
    7. 1% rebate on everything else (e.g. air tickets, spending on deparmental stores).
    8. 33% cash back on interest paid.
    9. Complimentary access to KLIA Plaza Premium Lounge. (NEW!)
    10. Complimentary travel inconvenience benefit (NEW!)
    11. 24-hour concierge (NEW!)

    Minimum Requirement

    Malaysians with a minimum annual income of RM36,000

    Update 25/3/13:

    Apply online now to enjoy RM 50 rebate with 3 times swipe in 45 days and enjoy another RM 30 rebate with 1 online bill payment. The RM 30 online bill payment promotion is valid until 30th June 2013, by invitation only and on a first come first served basis. OCBC Bank allocates a maximum of RM 150000 only to be given away as rebates in the campaign.

    New customers who receive SMS from OCBC to invite customers to register for online banking and make 1 bill payment with OCBC online banking will be eligible for the rebate, subject to the availability of the rebate fund. Rebate will be credited within 8 to 10 weeks from the end of the campaign period. Click here to apply OCBC Titanium Card online!

    Maybankard 2 - King of Cash Rebate Card

    After GST is imposed to credit card, the banks have come up with many attractive packages to keep existing card holders and to get more new customers. In 2011, Maybank had introduced a new card, the Maybankard 2, which a card holder got 2 cards (AMEX + Visa or AMEX + Mastercard) with 1 sign up.

    The Features

    1. Lifetime annual fee waiver, no hidden terms & conditions.
    2. Get 2 cards but GST is charged to 1 card only (save RM50).
    3. 5x TreatsPoints for every Ringgit spent on AMEX (including petrol filling).
    4. 1x TreatsPoints for every Ringgit spent on Visa/ MasterCard.
    5. 5% Weekend cash back (Sat & Sun) when spend on AMEX (max RM50 rebate). 
    6. 8.88% finance charge per annum on outstanding retail balance (for spending on Visa/ MasterCard).

    Actual Rebate Calculation

    Weekday Spending Scenario

    Every 10000 Treat Points can be exchanged for RM50 equivalent voucher
    or to settle GST, so 10000TP = RM50.
    And every RM2000 spent on AMEX we can get RM50,
    means that every RM100 spent on AMEX we can get RM2.50 which is 2.5% rebate.

    Weekend Spending Scenario

    5% weekend cash back + 2.5% TP reward = 7.5% cash rebate!

    Minimum Requirement

    Malaysians and expatriates with a minimum annual income of RM30,000

    Sunday, 15 April 2012

    Chart Nexus - KLSE

    Do you want to use a free software stored KLSE database in your PC as long as three years?
    Everyday you can monitor your portfolio trend easily instead of online and check one by one in certain of website?

    I discover a software called Chart Nexus that just provided the services to us.
    The most important it is FREE!

    Something like below,


    If you like it, please download below software,
    Windows XP, Windows Vista, & Windows 7


    Mac OS

    Installation awareness.
    1. After you download completed. The software will request you to install and upgrade, please do it else you cannot complete the installation.

    2. Next, you will request to select the data folder to be store. if you don't like the default storage location, you may change the location by selecting "Change Folder".

    3. It is almost near to the end, you will need to register a free account in order for you to download actual KLSE database.

    4. After you sign-in with your new account, there will be automatically updating the database into your PC.

    5.Select the country stock that you want to monitor. For me, it is KLSE (bursa malaysia).

    6. Select the stock starting with the alphabet. Then now you may select the stock you want. COMPLETED!

    There are still have others functions, but today i'm not going to describe it. You may have fun to discover it and shares with us too.

    Friday, 13 April 2012

    Malaysian New Banknote in Circulation from July 16

    Bank Negara Malaysia announced that new banknotes will enter circulation from July 16.
    "Distinctively Malaysia", theme for the new banknotes series, is in denominations of RM1, RM5, RM10, RM20 and RM100.The current RM50 banknote has been in circulation since December 2007 and will continue to do so.

    RM1 and RM5 banknotes are made of polymer while the others are paper notes.

    Common Features

    The obverse side of new banknotes retain the portrait of the first Yang di-Pertuan Agong, the national flower hibiscus and patterns of traditional woven fabric - the 'songket'.

    Unique Features

    The Mount Kinabalu in Sabah and pinnacle rock formations of Gunung Api valley in Sarawak represent the many natural wonders in Malaysia.

    Oil palm and biotechnology are featured as Malaysia's thriving economy icons.

    The Hawksbill Turtle and Leatherback Turtle are symbols of rich and colourful marine life found in Malaysian tropical waters. 

    Malaysian rainforest is home to a spectacular variety of floras, including the world's largest flower Rafflesia.

    The Rhinoceros Hornbill is one of the largest and most magnificent hornbill species in the world. 

    Kite-flying is a popular traditional sport in Malaysia especially in Kelantan and Terengganu.  The best-known Malaysian kite is the Wau Bulan.

    Thursday, 12 April 2012

    Return On Equity

    Return On Equity 

    Do you know what is Return on equity (R.O.E)?
    As a fresh guy in investment knowledge, I'm would like to share what i know about R.O.E.
    Actually i knew this word came from Warren Buffett book. R.O.E is one of the main consider factors on picking up potential profitable company in stock market.

    This has made me feel interesting and knee to know about what is R.O.E. Eventually i search the info about ROE in internet, but i found it is very difficult to understand for me as newbie.

    I try to simplify what i can understand and shares with public.

    ROE is measuring how great a company can generate great income from existing assets. Somebody declare ROE is a gauge of profit-generating efficiency.
    HIGH ROE represent the company is good of handling their asset and earn money for stock holder.

    For example, 

    Company A use RM1.00 of modal earn RM0.20 every year. ROE = 0.20.
    Company B use RM1.00 of modal earn RM0.50 every year. ROE = 0.50.

    This show that company B is good of handling their modal and earn as much as they can. But company A only can earn RM0.20 less compare with company B. which their modal are same of RM1.00.

    Many investors invests in companies that generate profits more efficient than their rivals with measuring the ROE. Of course, this is not the only factor need to consider for investors. 

    Investopedia explains 'Return On Equity - ROE'

    The ROE is useful for comparing the profitability of a company to that of other firms in the same industry.

    There are several variations on the formula that investors may use:

    1. Investors wishing to see the return on common equity may modify the formula above by subtracting preferred dividends from net income and subtracting preferred equity from shareholders' equity, giving the following: return on common equity (ROCE) = net income - preferred dividends / common equity.

    2. Return on equity may also be calculated by dividing net income by average shareholders' equity. Average shareholders' equity is calculated by adding the shareholders' equity at the beginning of a period to the shareholders' equity at period's end and dividing the result by two.

    3. Investors may also calculate the change in ROE for a period by first using the shareholders' equity figure from the beginning of a period as a denominator to determine the beginning ROE. Then, the end-of-period shareholders' equity can be used as the denominator to determine the ending ROE. Calculating both beginning and ending ROEs allows an investor to determine the change in profitability over the period.


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