大头专区 bigheadzone: August 2009

Monday, August 31, 2009

Unit Trust

Good things come in small packages. Know why unit trusts can work for you.

We know that wealth accumulation is about planning your short-term and long-term goals by using time as an ally. Unit Trust is an important investment opportunity to look at in order to achieve your wealth accumulation objective because it helps you enhance your net worth to meet your medium to long term goals.

The trouble with investing, as an individual is two-fold:
#Your relatively limited funds may not allow you to spread your risk across a number of investments very easily
#They don't provide enough muscle to attract the best returns or economies of scale.

What is a Unit Trust?
What happens with a Unit Trust is that the combined resources of many individual investors are pooled together in one large "fund", which can then enjoy both of those advantages, This fund is managed by a professional fund manager, who invests the money in a wide range of stocks, shares and other instruments which are collectively known as a "portfolio". Not only does this portfolio mean that all your eggs are not in one basket; you can also choose between different portfolios featuring lower or higher risk investments. You therefore end up with a very broad variety from which to choose, according to your individual risk profile.

So what are the benefits of investing in a Unit Trust?
#Diversification - the spreading of risks over a wide variety of securities in different sectors. Normally to do this, you must have a substantial amount of money to buy a diversity of stocks. However, unit trust funds facilitate this by providing small savers with an opportunity to pool their savings to invest in a diversified portfolio of stocks. You could think of this as not putting all your eggs in one basket.
#Professional Fund Management - your ability to employ a team of well-trained, in-house investment professionals who conduct full-time regular investment research and analysis in managing the assets of fund. With such investment expertise, research facilities and information network, sound investment decision may be made.
#Liquidity - you can redeem all or part of your units on any Business Day and the Manager will purchase them
#Hassle Free - you need not trouble yourself with complicated decision making and arduous paperwork involved in investment in the securities market.
#Affordability - you only need a small amount of money to participate in a professionally managed portfolio of investment and enjoy benefits accorded to others when investing in high-priced securities. At the same time, you can also reap returns from a portfolio of investment as opposed to a limited number of securities when one invests in the market directly.

For medium to long term investing, Unit Trust is an attractive option. Chosen with care and qualified advice; they can earn you healthy returns at an acceptable level of risk. Investors can purchase Unit Trust from individual Unit Trust fund house agents or from Institutional Unit Trust Agents (e.g banks) offering such products.

The following are a few considerations to look into before you choose your agent/ bank:
Choice
#Whether it allows you to access to the widest possible range of unit trusts funds
Objectivity
#Gives you objective advise on the funds that suits your investment profile and goals
Expertise
#Tools and methodology to identify your financial needs and the gaps
Service
#Responsiveness and product knowledge of agents/Personal Financial consultants

Choice of management company
#Long term track record plus consistency
#Current management team

Melaka Trip 22-23 August 2009

22 August 2009

5:00a.m. - Start our journey from Tangkak.

6:00a.m. - arrived Gadek Hot Spring. Enjoy the nature hot spring in eary morning.

8:00a.m. - having our breakfast at Tampin.

9:30a.m. - Start our water play at Afamosa Water World.

1:00p.m. - Having our lunch( Baba Laksa) at Jonker Walk.

3:30p.m. - Check in Melaka Mahkota Guest House. Take bath and rest.

7:00p.m. - Having our Nonya dinner at Melaka Raya.

8:oop.m. - Shopping at Jonker Walk.

11:30p.m. - enjoy the Satay Lut Lut.

1:30a.m. - Sleep.

23 August 2009

10:00a.m. - Having our breakfast+lunch (Chicken Rice)

11:00a.m. - Drink fresh fruit juise and GuiLingGao.

12:00p.m. - Go back.

Lure Fishing

LURE FISHING is one of the most exciting ways of catching predatory fish. Pike, perch, bass, trout. . . there is an endless list of fish that will gobble these plastic, metal, or wood creations, mistaking them for real fish.

There are three types of lures. Spinners and spoons are usually made of metal and either wobble or spin through the water in the same way as real fish. Plugs are made of wood or plastic and work in a number of ways: along the surface of the water, in mid-water, or deep along the bottom.

When you are lure fishing, it pays to search the water and not stay too long in any one position.
Big predators like slack water just off the main current, and some often lie right by the bank.

Pay attention to detail

Predatory fish are eagle-eyed, and a good plug should resemble a natural fish very closely.
Look for realistic eyes, scale patterns, and a shiny finish.

Working a lure

Never work your spoon, spinner, or plug in a mechanical, unthinking sort of way. Instead, try to make a big predator think that this strange wood, metal, or plastic creation is in fact a living, breathing, swimming prey fish!
Look out for all possible hiding places under fallen trees, among weeds, or along the bank.
Cast carefully and accurately, and constantly move the rod tip around to create a change of direction.

Spinners

On a spinner, a metal blade rotates as the lure is pulled through the water. The rotation sends out vibrations and the blade catches the light, so the lure looks like a small fish. Sometimes tassels of plastic or wool are added to entice the fish further.

Plugs

A plug is designed to look and move in the same way as a small fish, which often swims in distress. Plugs can be used for any d of water. Work them slowly in areas that might contain big pre

Spoons

A spoon is a lure made of shaped sheet metal. When it is cast and retrieved from the bank, spoons wobble through the water and attract avid fish with their shiny finish and bright colors.

Their action depends on your style of retrieve, so wind in irregularly to make them look like fish in distress.

The best lures.

Most fish will bite a lure that looks like a minnow,crayfish (crawdad),or other living prey.
Spinnerbaits, crankbaits, and plastic worms work best for bass. Trout, pike and saltwater fish will hit shiny metal lures.Use a tackle box or a utility box to hold your lures.Remember the hooks are sharp.

Fishing heavy cover, where the bigger fish normally live, use a plastic worm or a "jig and pig" (leadhead jig with a pork frog trailer). Cast into the thickest area of the cover, let the lure drop, then shake the rod tip gently to coax a bite.

Kahang Organic Rice Eco Farm Trip - 29-30 August 2009

The first and only Certified Organic Rice Farm in Malaysia, sprawling over 260 acres, provides free and easy farmstays.

It is uniquely a back -to-nature health enhancing eco lifestyle farm, with life enrichment programmes namely, secondary mountain trekking, a try at the water obstacle course, mountain climbing, fringe jungle walk, cycling, star gazing, bamboo rafting, organic farm produced meals, quality dragon fruits, coconuts, vegetables, herbs, with abundant river and rice farm fish, ducks, animals etc; vying to promote biodiversity in ecological organic agriculture and farming.

The Farm is a fully integrated organic agro eco farm with pollution free river water irrigating the farmland from the 1,010m Belumut mountain.

Kahang Organic Rice Farm was certified full organic status in December 2005 by the Malaysian Agriculture Ministry over a stringently monitored conversion period since 2001. The farm's fair price organic products are also available in the Singapore and Indonesian markets.

Mission Statement: World Abundance and Harmony Through Organic Agriculture

KAHANG ORGANIC RICE ECO FARM or KOREF strives to,
1) cultivate and produce genuine, best quality organic rice, vegetables, fruits and herbs at its farm, ensuring that they are available at prudent and affordable prices;
2) create, expand and propogate the existing organic farm produce market;
3) reduce marketing and packaging cost through 'direct from farm to consumer marketing' system;
4) enable the organic farm to achieve an economy of scale so that it can operate in perspective towards sustainable eco system that is economically and financially viable.

29 August 2009

3:00p.m. - Start from Batu Pahat to Kahang.

5:00p.m. - arrived Kahang Organic Rice Eco Farm.

- Check in and having our tea break

5:30p.m - Start to fishing