2008.03.28

I buy

Ramunia 1.38 or below
Ramunia-wa below 1.05 or below
Sunway below 1.38 or below
Sunway-wb below 0.23 or below
Kinstel 1.17 or below
Jaks 0.66 or below
Gamuda 3.20 or below
Parkson 6.20 or below

Oil Palm Related

Oil Palm related companies.

No. - Stock Code - Short Name - Company Name

1. 2291 - ASIATIC - ASIATIC DEVELOPMENT BHD
2. 1899 - BKAWAN - BATU KAWAN BHD
3. 5069 - BLDPLNT - BLD PLANTATION BHD
4. 2771 - BSTEAD - BOUSTEAD HOLDINGS BHD
5. 8982 - CEPAT - CEPATWAWASAN GROUP BHD
6. 1929 - CHINTEK - CHIN TECK PLANTATIONS BHD
7. 5029 - FAREAST - FAR EAST HOLDINGS BHD
8. 2372 - GNEALY - GLENEALY PLANTATIONS (M) BHD
9. 7501 - HARNLEN - HARNLEN CORPORATION BHD
10. 5138 - HSPLANT - HAP SENG PLANTATIONS HOLDINGS BHD
11. 2216 - IJMPLANT - IJM PLANTATIONS BHD
12. 2607 - INCKEN - INCH KENNETH KAJANG RUBBER PLC
13. 1961 - IOICORP - IOI CORPORATION BHD
14. 2445 - KLK - KUALA LUMPUR KEPONG BHD
15. 2453 - KLUANG - KLUANG RUBBER CO (M) BHD
16. 5027 - KMLOONG - KIM LOONG RESOURCES BHD
17. 1996 - KRETAM - KRETAM HOLDINGS BHD
18. 2003 - KULIM - KULIM (M) BHD
19. 5193 - KURNIA - KURNIA SETIA BHD
20. 6572 - KWANTAS - KWANTAS CORPORATION BHD
21. 5851 - LPF - LADANG PERBADANAN - FIMA BHD
22. 5026 - MHC - MHC PLANTATIONS BHD
23. 1902 - MVEST - MULTI VEST RESOURCES BHD
24. 5047 - NPC - NPC RESOURCES BHD
25. 2038 - NSOP - NEGRI SEMBILAN OIL PALMS BHD
26. 9695 - PLS - PEMBINAAN LIMBONGAN SETIA BHD
27. 4065 - PPB - PPB GROUP BHD
28. 5113 - RSAWIT - RIMBUNAN SAWIT BHD
29. 2542 - RVIEW - RIVERVIEW RUBBER ESTATES BHD
30. 2569 - SBAGAN - SUNGEI BAGAN RUBBER CO (M) BHD
31. 4197 - SIME - SIME DARBY BHD
32. 5126 - SOP - SARAWAK OIL PALMS BHD
33. 5135 - SWKPLNT - SARAWAK PLANTATION BHD
34. 5012 - TAANN - TA ANN HOLDINGS BHD
35. 7382 - TANAMAS - TANAH EMAS CORPORATION BHD
36. 2054 - TDM - TDM BHD
37. 8109 - THGROUP - TH GROUP BHD
38. 5112 - THPLANT - TH PLANTATIONS BHD
39. 9059 - TSH - TSH RESOURCES BHD
40. 6327 - TWSPLNT - TRADEWINDS PLANTATION BHD
41. 2593 - UMCCA - UNITED MALACCA BHD
42. 5019 - UNICO - UNICO-DESA PLANTATIONS BHD
43. 2089 - UTDPLT - UNITED PLANTATION BHD

O&G Related

These are the oil and gas (O&G) related companies list:

No. - Stock Code - Short Name - Company Name

1. 5132 - DELEUM - DELEUM BHD
2. 7277 - DIALOG - DIALOG GROUP BHD
3. 8265 - EPIC - EASTERN PACIFIC INDUSTRIAL CORP. BHD
4. 5122 - KENCANA - KENCANA PETROLEUM BHD
5. 7164 - KNM - KNM GROUP BHD
6. 8559 - M3NERGY - M3NERGY BHD
7. 5011 - MSNIAGA - MESINIAGA BHD
8. 5703 - MUHIBAH - MUHIBBAH ENGINEERING (M) BHD
9. 5125 - PANTECH - PANTECH GROUP HOLDINGS BHD
10. 5133 - PENERGY - PETRA ENERGY BHD
11. 0047 - PERISAI - PERISAI PETROLEUM TEKNOLOGI BHD
12. 5681 - PETDAG - PETRONAS DAGANGAN BHD
13. 6033 - PETGAS - PETRONAS GAS BHD
14. 7108 - PETRA - PETRA PERDANA BHD
15. 7206 - RAMUNIA - RAMUNIA HOLDINGS BHD
16. 5030 - RANHILL - RANHILL BHD
17. 7185 - SAMUDRA - KEJURUTERAAN SAMUDRA TIMUR BHD
18. 8575 - SAPCRES - SAPURACREST PETROLEUM BHD
19. 7158 - SCOMI - SCOMI GROUP BHD
20. 4324 - SHELL - SHELL REFINING CO (F.O.M.) BHD
21. 4197 - SIME - SIME DARBY BHD
22. 1201 - SUMATEC - SUMATEC RESOURCES BHD
23. 7228 - TGOFFS - TANJUNG OFFSHORE BHD
24. 4588 - UMW - UMW HOLDINGS BHD
25. 5142 - WASEONG - WAH SEONG CORPORATION BHD

KLSE Composite Index Component (Index Linked)

Kuala Lumpur Stock Exchange (KLSE) index is consists of 100 biggest capitalization companies. Company capitalization is company number of listed share × it's closing price.

Index is count by following formula which I get it from the KLSE, Bursa Malaysia.

KLSE Index Components Stock On 2008.03.27

No. - Stock Code - Short Name - Company Name

1. 5185 - AFFIN - AFFIN HOLDINGS BHD
2. 5099 - AIRASIA - AIRASIA BHD
3. 2488 - AFG - ALLIANCE FINANCIAL GROP BHD
4. 1015 - AMMB - AMMB HOLDINGS BHD
5. 6556 - ANNJOO - ANN JOO RESOURCES BHD
6. 5076 - ASTRO - ASTRO ALL ASIA NETWORKS PLC
7. 1473 - BRDB - BANDAR RAYA DEVELOPMENTS BHD
8. 1562 - BJTOTO - BERJAYA SPORTS TOTO BHD
9. 2771 - BSTEAD - BOUSTEAD HOLDINGS BHD
10. 4162 - BAT - BRITISH AMERICAN TOBACCO (M) BHD
11. 1023 - COMMERZ - BUMIPUTRA-COMMERCE HOLDINGS BHD
12. 1818 - BURSA - BURSA MALAYSIA
13. 2836 - CARLSBG - CARLSBERG BREWERY MALAYSIA BHD
14. 7277 - DIALOG - DIALOG GROUP BHD
15. 6947 - DIGI - DIGI.COM BHD
16. 1619 - DRBHCOM - DRB-HICOM BHD
17. 3468 - E&OPROP - E&O PROPERTY DEVELOPMENT BHD
18. 5266 - EONCAP - EON CAPITAL BHD
19. 5398 - GAMUDA - GAMUDA BHD
20. 3182 - GENTING - GENTING BHD
21. 1503 - GUOCO - GUOCOLAND (MALAYSIA) BHD
22. 3034 - HAPSENG - HAP SENG CONSOLIDATED BHD
23. 5819 - HLBANK - HONG LEONG BANK BHD
24. 1597 - IGB - IGB CORPORATION BHD
25. 3336 - IJM - IJM CORPORATION BHD
26. 1961 - IOICORP - IOI CORPORATION BHD
27. 5122 - KENCANA - KENCANA PETROLEUM BHD
28. 3492 - KFC - KFC HOLDINGS (M) BHD
29. 5060 - KINSTEL - KINSTEL BHD
30. 5089 - KLCCP - KLCC PROPERTY HOLDINGS BHD
31. 7164 - KNM - KNM GROUP BHD
32. 2445 - KLK - KUALA LUMPUR KEPONG BHD
33. 2003 - KULIM KULIM (M) BHD
34. 5843 - KPS - KUMPULAN PERANGSANG SELANGOR BHD
35. 5097 - KURASIA - KURNIA ASIA BHD
36. 3794 - LMCEMNT - LAFARGE MALAYAN CEMENT BHD
37. 1642 - LANDMRK - LANDMARKS BHD
38. 6645 - LITRAK - LINGKARAN TRANS KOTA HOLDINGS BHD
39. 2011 - LINGUI - LINGUI DEVELOPMENT BHD
40. 2887 - LIONDIV - LION DIVERSIFIED HOLDINGS BHD
41. 4235 - LIONIND - LION INDUSTRIES CORPORATION BHD
42. 3735 - MAGNUM - MAGNUM CORPORATION BHD
43. 8583 - MAHSING - MAH SING GROUP BHD
44. 1155 - MAYBANK - MALAYAN BANKING BHD
45. 5014 - AIRPORT - MALAYSIA AIRPORT HOLDINGS BHD
46. 3786 - MAS - MALAYSIAN AIRLINE SYSTEM BHD
47. 5077 - MAYBULK - MALAYSIAN BULK CARRIERS BHD
48. 3867 - MPI - MALAYSIAN PACIFIC INDUSTRIES BHD
49. 1651 - MRCB - MALAYSIAN RESOURCES COPORATION BHD
50. 4502 - MEDIA - MEDIA PRIMA BHD
51. 3816 - MISC - MISC BHD
52. 8893 - MKLAND - MK LAND HOLDINGS BHD
53. 2194 - MMCCORP - MMC CORPORATION BHD
54. 9768 - MTDINFR - MTD INFRAPERDANA BHD
55. 5703 - MUHIBAH - MUHIBBAH ENGINEERING (M) BHD
56. 3905 - MULPHA - MULPHA INTERNATIONAL BHD
57. 4006 - ORIENT - ORIENTAL HOLDINGS BHD
58. 5053 - OSK - OSK HOLDINGS BHD
59. 6866 - BERNAS - PADIBERAS NASIONAL BHD
60. 5231 - PELIKAN - PELIKAN INT. CORPORATION BHD
61. 7108 - PETRA - PETRA PERDANA BHD
62. 5681 - PETDAG - PETRONAS DAGANGAN BHD
63. 6033 - PETGAS - PETRONAS GAS BHD
64. 5052 - PLUS - PLUS EXPRESSWAYS BHD
65. 4634 - POS - POS MALAYSIA BHD
66. 4065 - PPB - PBB GROUP BHD
67. 5304 - PROTON - PROTON HOLDINGS BHD
68. 1295 - PBBANK - PUBLIC BANK BHD
69. 6807 - PUNCAK - PUNCAK NIAGA HOLDINGS BHD
70. 1066 - RHBCAP - RHB CAPITAL BHD
71. 8575 - SAPCRES - SAPURACREST PETROLEUM BHD
72. 2356 - SARAWAK - SARAWAK ENERGY BERHAD
73. 7158 - SCOMI - SCOMI GROUP BHD
74. 1783 - SPB - SELANGOR PROPERTIES BHD
75. 4324 - SHELL - SHELL REFINING CO (F.O.M.) BHD
76. 4197 - SIME - SIME DARBY BHD
77. 8664 - SPSETIA - SP SETIA BHD
78. 6084 - STAR - STAR PUBLICATIONS (M) BHD
79. 6165 - SUNRISE - SUNRISE BHD
80. 6289 - SUNCITY - SUNWAY CITY BHD
81. 6521 - SURIA - SURIA CAPITAL HOLDINGS BHD
82. 5012 - TAANN - TA ANN HOLDINGS BHD
83. 4898 - TA - TA ENTERPRISE BHD
84. 4405 - TCHONG - TAN CHONG MOTOR HOLDINGS BHD
85. 2267 - TANJONG - TANJONG PUBLIC LIMITED COMPANY
86. 4863 - TM - TELEKOM MALAYSIA BHD
87. 5347 - TENAGA - TENAGA NASIONAL BHD
88. 5103 - TITAN - TITAN CHEMICALS CORP. BHD
89. 7113 - TOPGLOV - TOP GLOVE CORPORATION BHD
90. 6327 - TWSPLNT - TRADEWINDS PLANTATION BHD
91. 7100 - UCHITEC - UCHI TECHNOLOGIES BHD
92. 1775 - UEMWRLD - UEM WORLD BHD
93. 4588 - UMW - UMW HOLDINGS BHD
94. 5005 - UNISEM - UNISEM (M) BHD
95. 5142 - WASEONG - WAH SEONG CORPORATION BHD
96. 9679 - WCT - WCT ENGINEERING BHD
97. 4243 - WTK - WTK HOLDINGS BHD
98. 3158 - YNHPROP - YNH PROPERTY BHD
99. 4677 - YTL - YTL CORPORATION BHD
100. 2283 - ZELAN - ZELAN BHD

Appreciation

How to appreciate your wealth in share market? It is not gambling but investing. I summarize the example of this counter, PBBANK listed in Kuala Lumpur Stock Exchange. It hits the lowest record price of 0.85 on 17th, August 1998. We don’t count from that moment. We count from the 2nd, January 2001. It is the first trading day of 2001. That time if you buy 1000 share at price RM2.90 with par value of RM0.50, you need to invest about RM2,900.

After that look at the entitlement announce from year 2001 to year 2007 by the company. There is a table above of the announcement. From here, can see total dividend you get is RM2129.19. It is already near to the starting capital you invest. Besides, look at the price on the last trading day of 2007, 31st, December 2007. The price is close at RM11.00. If you sell all your share (1015 share) of this company, you get back RM11,165.00.

Sum up all together the money you get back from the sale of the share and the dividend you get, it is total you get back RM13,294.19.

From seed capital of RM2,900 become RM13,294.19 is 458.42% increment. It is about 25% increase of the seed capital each year. This is the reward or fruits you get from the basic fundamental investment. This is why rich people invest their money rather than put their money in bank account.

TA Securities Holdings Bhd. Bank Information

Recipient: TA SECURITIES HOLDINGS BERHAD

Local bank transfer:
1. Maybank Bhd A/C No. 514-011-387-097
2. Affin Bank Bhd A/C No. 100-2600-15201
3. Alliance Bank (M) Bhd A/C No. 14055-001-0074620
4. CIMB Bank A/C No. 1414-0035792-055
5. Citibank Bhd A/C No. 0115738038
6. Hong Leong Bank Bhd A/C No. 001-003-09979
7. HSBC Bank Malaysia Bhd A/C No. 201-308731-101
8. OCBC Bank Malaysia Bhd A/C No. 701-124426-4
9. Public Bank Bhd A/C No. 312-779-7929
10. RHB Bank Bhd A/C No. 2-14183-0002612-0
11. Standard Chartered Bank Malaysia Bhd A/C No. 312-143588026
12. UOB Malaysia Bhd A/C No. 248-3-028967-9

Foreign Transfer:

Recipient:
TA SECURITIES HOLDINGS BERHAD

Address:
Menara TA One,
22 Jalan P. Ramlee,
50250 Kuala Lumpur,
Malaysia.

Recipient Bank:
Citibank Berhad

Account number:
011 573 8038

Recipient Bank Address:
165, Jalan Ampang,
Menara Citibank,
50450 Kuala Lumpur,
Malaysia.

If Telegraphic Transfer by:
USD: SWIFT CODE = CITIUS33

Yen : SWIFT CODE = CITIJPJT

Procedure to Open Trading Account

Yesterday I have a foreign client open account with me. He faces lot of problems when come to the procedure. The procedure to invest in Kuala Lumpur Stock Exchange of a retail foreign investor is different with local investor. The application form is same but the documents and the money transfer is different. Here is the procedure to open an account in my securities firm.

For local investor, the documents need to be ready to submit are:

• 3 photocopy identity card (I/C),
• fill in 1 copy of “Application for Opening of Trading Account” form (3 signatures),
• fill in 1 copy of three ply yellow form, from Bursa Malaysia Depository Sdn. Bhd. “Application for Opening Account” (1 signature)
• fill in 2 small white card from, from Bursa Malaysia Depository Sdn. Bhd. to get sample signature (total 2 cards × 1 signature)
• fill in 1 online trading application form (1 signature)
• RM10 for Bursa Malaysia Account Opening fee

For foreign investor, the documents need to be ready to submit are:

• 3 photocopy passport particular,
• fill in 1 copy of “Application for Opening of Trading Account” form (3 signatures),
• fill in 1 copy of three ply yellow form, from Bursa Malaysia Depository Sdn. Bhd. “Application for Opening Account” (1 signature)
• fill in 2 small white card from, from Bursa Malaysia Depository Sdn. Bhd. to get sample signature (total 2 cards × 1 signature)
• fill in 1 online trading application form (1 signature)
• RM10 for Bursa Malaysia Account Opening fee

Submit these documents to Remisier to get witness and continue the remaining procedure.

When the account ready, you will get a Client Code and a CDS account number. Client Code is for trading purposes while CDS account is for share transfer purposes. When you want to buy or sell shares or securities through the securities firm, you need the client code. If you want to apply Initial Public Offering (IPO) share, you need the CDS account number.

Once the account ready, you can invest any amount into your trading account and start to buy share or securities according to the money you invested. You can easily top up the trading account money or withdraw the excess money from the trading account.

Optional for open trading account, buy a drink for your Remisier. High budget can go to Starbucks, low budget can go to Mamak stall. Thanks. ☺

Power of Compounding (Rule of 72 & Rule of 70)

In finance, these rules are methods to estimate the time of an investment’s doubling (exponential growth) or halving (decay).

Let’s try, you use initial capital with $1,000 and increase the value by 20% annually see how many year it takes to double the initial value.

Year 1: $1,000 × 20% = $200
Year 2: ($1,000 + $200) × 20% = $240
Year 3: ($1,200 + $240) × 20% = $288
Year 4: ($1,440 + $288) × 20% = $345.60

End of year 4, the value has double from $1,000 to $2073.60. This means it takes between 3 to 4 years to double the value by 20% increment.

Rule of 72:
This is to estimate the number of periods required to double an original investment, divide the most convenient "rule-quantity" by the expected growth rate, expressed as a percentage.

72 ÷ (Annual Percentage return) = number of years your investment would double

For instance, if you were to invest $1,000 with compounding interest at a rate of 20% per annum, the rule of 72 gives 72 ÷ 20 = 3.6 years required for the investment to be worth $2,000.

Rule of 70:
Similarly, to determine the time it takes for the value of money to half at a given rate, divide the rule quantity by that rate.

70 ÷ (Rate) = Time period of the value become half

Example, if the inflation rate is 3.5%, the value of the money we have will be half in 20 years. Use the rule of 70, 70 ÷ 3.5 = 20. It can be use to estimate the impact of the additional fees on financial policies such as unit trust, mutual fund, load, insurance, expenses etc.

Malaysia KLCI History

2008.03.10 Malaysia stock exchange first time triggered the circuit breaker, which deline of the KLCI by 10%. Trading halt for one hour and reopened at 3.58pm.

Seed Capital

Money saves in the bank or under the pillow which is not using urgently, can be a seed capital and potentially to grow. In business, seed capital is the initial equity capital used to start a new business or venture. The starting capital of a business is a seed being plant.

Give you an example. If the seed capital is $100, the business grows by 10% annually, after one year the capital grow from $100 to $110. In simple words, it is similar to your money put in the bank with the interest rate. If the initial saving is $100, the interest rate is 4% annually, after one year the saving grow from $100 to $104.

Global inflation is about 7.5% for the latest record. If the saving in bank is 4% for the fix deposit, this year the net capital is shrinking by 3.5%. This is why investors or company seldom put their money in bank. They do investment.

Besides putting money in the bank to get interest rate, investment of the capital can be either properties or equities. Properties can be free hold or lease hold land, house, apartment, condominium, office, factory, and warehouse etc. Equities can be mutual fund or unit trust, share, debenture, bonds, loan and derivative etc. Both of them have their similarities and differences. Before choosing the investment tools, better study and understand their advantages and disadvantages of each of them. This is because knowing little of knowledge can be kill by the market.

Where is Center Point?

Most of the time, things happen not according to your will. Sometimes have to open the mind and heart to accept the truth and plan the next. Sometimes "heart" is very hard to control. This phrase give me a thought.

Every people have the thing they want, or say, they want the thing happen according to their will. We tend to control the things happen. We want the world spin for us. In logic, if every people want to be the world center, spin for them, which mean no body will be the one spin for others. If every one become the center, who is going to be the peripheral?

One of my friends told me, he argues with a person about where is the middle of the world map. The second person says Middle East is the center of the world because their God born at there. My friend says not really because he explains China can be the center too because in Mandarin, it means The Middle Country.

I don’t know what your reaction is. If the things happen against me, sometimes I feel sad and frustrated. Blame others? It is useless because it doesn’t seem will be changing the result. Let’s come to a river, the water flows from north to south, don’t like it? You want to water flow from south to north. What you can do? Scold the water or river? Beat the water? I suggest use a damage compass will be easier.

If you find changing own mindset is difficult, what do you expect for others? If you get the truth, keep going and never give up. Although is difficult, still possible to success.

Finally give you an example. In the stock market, it goes up and down. When you invest, you want the price to go up. When you sold, you hope the price come down and you can buy again. You hope the market follow your will? Why not understand the market movement and then when it goes down, invest the good company; when the prices increase till over value, sell it? Buy on dip and sell on high!

Interest Rates 2008-03-03

1. United States Federal Reserve : 3%
2. Bank of Japan : 0.5%
3. European Central Bank : 4%
4. Bank of England : 5.25%
5. Swiss National Bank : 2.75%
6. The Reserve Bank of Australia : 7.25%
7. China : 7.47%
8. Hong Kong SAR : 5%
9. India : 7.75%
10. New Zealand : 8.25%

Hong Kong Finet

Finet.hk is one of the good website that I recommend for those invest in Hong Kong market or have interest for the Hong Kong companies.

To access to finet.hk, you can click the “Hong Kong Finet” at the side column of my blog site under “Information”

Election 2008

This election in Malaysia, fear of the unpredictable result causes investors more cautious for their investment. Malaysia market drop from the highest KLCI at 1524.69 points on 14th, January 2008.

Investors worry for the future after election which the controlled commodities price may be hiking up. Inflation may hit Malaysia after election.

Who will lead for the next five years of Malaysia? This is another important factor that investors cannot predict the future performance and potential of the Malaysia economy.

Future Value (Simple Interest)

If you borrow $100 at 10% interest rate today, how much would you need to pay the lender 1 year later?

Next year you have to return $110.

Principal borrowed = $100
Interest rate = 10% or 0.10
Interest charge here = $100 + ($100 x 0.10) = $10

In the future, the future value (FV) = amount borrowed + interest to be received

FV = $100 [1 + (0.10 x 1)]
= $110


P = Principal Sum = Starting Capital = $100
i = interest rate = 10%
n = number of period = 1 year
FV = future Value = $110

Money Value

I look at my pay slip. Deduct the ordinary expenses, there is not much left. Compare to last month wages, this month I get increment. I should have more for saving, but why the amount left is still same with previous month? I go back to check my expenses, it is fuel price increase. Sooner or later, other things increase price one by one due to the oil price increase. It is inflation. The money value I get from the salary, reduce! I spend same thing for same amount with more money. The value of the money is decreasing.

Life must have improvement and development. I have to buy house, car, medical fees, tour, entertainment, and luxury, etc. There are a lot of expenses. Price of everything is increasing. If increment same as inflation, that means I cannot improve anything and I have to remain as now forever? What if lost job or accident?

If the salary increment faster than inflation, life will be easier and better. This is assuming there is no interruption to this income sources. If my increment all spend to improve lifestyle, how to pass my remaining life after retire? There is no saving.

If I use the increment for saving and don’t improve my spending for my interest, I save money in bank. My saving will increase constantly but lifestyle must remain. It is for future. If I am discipline, my saving amount is increasing, but the value in the future is decreasing!

Although bank give interest rate, now it is about 3.05% for 1 month fix deposit, but the inflation is about 3.5%. This rate is for Malaysia and not taking consideration of the fuel price, toll price, rice price, cooking oil price, steel price, and cement price after election. The saving value in the back is decrease.

If my saving can grow faster than inflation, only then in the future I can get back the same value or better value of the money. For those under employment and no other income, increment is depending on employer. The saving is depending on their discipline and wisdom. For those doing businesses or sales, their income is depending on their sales and revenue. The saving of profits is depending on their discipline and wisdom too. It is because high earning with high spending or high costing is still end up low profits.

Saving is money; money is capital. Save now and spend in the future. What is the value of the money when you spend?

Description of Topics

I sort out my journal according to topic. I will make a description of my topics so that it is easy for you to understand and easy for you to search the journal you want.

Topic - Description

1. Introduction - It is to introduce new things
2. Investment - Related to investment
3. Information - Information to refer
4. Market talk - Story or issue that spread in the market
5. Story - Story I found interesting
6. Recommendation - I feel like recommending
7. Reference - I think I have to refer back this in the future
8. Glossary - Terms that new to you
9. Formula - Formulation and calculation
10. My Opinion - Only my personal opinion
11. Discovery - Something I discover
12. Nonsense - No categories can fit

Products of Goods and Services

Nowadays our society structure is Capitalism. Everything involves capital, or money. The capital drives the country development, technology research, and human behavior. Everybody is urging for money. It is because it can buy lot of goods and services. How to get more money? Besides the special methods, money gain from goods sold and services provided. No matter how, special methods also involve goods and services.

Where is the source of your income come from? Those doing business is either selling their goods or services. For those under employment is selling their service to the company. It means, once you get involve in the capitalism system, you have to stay with money.

Products consist of either goods or services; it can be bought or sold.

Money! Female?

Lot of people say, easy to earn girls money but difficult earn money from guys. Traditionally, guys earn money and lady spends money to buy things either for home or for herself. That means guy always chase for the money and girl spend out the money to change back the products or services. Normally opposite sex will attract; similar sex will repel. Anyway, I admit there are lots of special case nowadays.

What does money use for? It invented to change the things we want. It exists between buyer and seller. It is uses to fulfill the demand and supply. Buyer use money to get the things they want. The things are either products or services. Seller uses products or services to get the money. Seller can become buyer; buyer can become seller. This process will not going to end. Where is demand, there will come supply.

Last time, I always heard guy is responsible to earn money back. Study shows difficult to get money from guy. It sounds like guy chase girl. If you says girls also like money, is true, just like their friends, they still love to buy clothes, shoes, skin care, and for the person they care!

This phenomenon shows me the similarity.