一位女子，开出征婚条件有两点
1.要帅
2.要有车
电脑去帮她搜寻 结果:象棋
这位女子，不服搜出的结果又输入
1.要有漂亮的房子
2.要有很多钱
电脑去帮她再次搜寻的结果:银行
此女子仍然不失望，继续输入条件
1要长得酷
2又要有安全感
结果搜出的结果是:ultraman
此女子仍然不失望，还继续输入条件
1.要帅
2.要有车
3.要有漂亮的房子
4.要有很多钱
5要长得酷
6又要有安全感
电脑去帮她再次搜寻的结果: ultraman在银行玩象棋
Thursday, October 22, 2009
Wednesday, October 14, 2009
Friday, October 09, 2009
Thank You For Your Time
Please take time to read till the end..
A young man learns what's most important in life from the guy next door.
It had been some time since Jack had seen the old man.
College, girls, career, and life itself got in the way.
In fact, Jack moved clear across the country in pursuit of his dreams.
There, in the rush of his busy life,
Jack had little time to think about the past and
often no time to spend with his wife and son.
He was working on his future, and nothing could stop him.
Over the phone, his mother told him, 'Mr. Belser died last night.
The funeral is Wednesday.'
Memories flashed through his mind like an old newsreel
as he sat quietly remembering his childhood days.
'Jack, did you hear me?'
'Oh sorry, Mom. Yes, I heard you. It's been so long since I thought of him.
I'm sorry, but I honestly thought he died years ago,' Jack said.
'Well, he didn't forget you. Every time I saw him he'd ask how you were doing. He'd reminisce about the many days you spent over
'his side of the fence' as he put it,' Mom told him.
'I loved that old house he lived in,' Jack said.
'You know, Jack, after your father died, Mr. Belser stepped in
to make sure you had a man's influence in your life,' she said.
'He's the one who taught me carpentry,' he said.
'I wouldn't be in this business if it weren't for him.
He spent a lot of time teaching me things he thought were important..
Mom, I'll be there for the funeral,' Jack said.
As busy as he was, he kept his word.
Jack caught the next flight to his hometown.
Mr. Belser's funeral was small and uneventful.
He had no children of his own, and most of his relatives had passed away.
The night before he had to return home,
Jack and his Mom stopped by to see the old house next door one more time. Standing in the doorway, Jack paused for a moment.
It was like crossing over into another dimension, a leap through space and time..
The house was exactly as he remembered.
Every step held memories.
Every picture, every piece of furniture..
Jack stopped suddenly.
'What's wrong, Jack?' his Mom asked.
'The box is gone,' he said.
'What box?' Mom asked.
'There was a small gold box that he kept locked on top of his desk.
I must have asked him a thousand times what was inside..
All he'd ever tell me was 'the thing I value most,' Jack said.
It was gone.
Everything about the house was exactly how Jack remembered it,
except for the box. He figured someone from the Belser family had taken it.
'Now I'll never know what was so valuable to him,'Jack said.
'I better get some sleep. I have an early flight home, Mom.'
It had been about two weeks since Mr. Belser died.
Returning home from work one day,
Jack discovered a note in his mailbox.
'Signature required on a package. No one at home.
Please stop by the main post office within the next three days,' the note read.
Early the next day Jack retrieved the package.
The small box was old and looked like it had been mailed a hundred years ago. The handwriting was difficult to read,
but the return address caught his attention.
'Mr. Harold Belser' it read.
Jack took the box out to his car and ripped open the package.
There inside was the gold box and an envelope.
Jack's hands shook as he read the note inside.
'Upon my death, please forward this box and its contents to Jack Bennett.
It's the thing I valued most in my life.'
A small key was taped to the letter.
His heart racing, as tears filling his eyes!
Jack carefully unlocked the box.
There inside he found a beautiful gold pocket watch.
Running his fingers slowly over the finely etched casing, he unlatched the cover.
Inside he found these words engraved:
'Jack, thanks for your time! - Harold Belser.'
'The thing he valued most was..my time.'
Jack held the watch for a few minutes then called his office
and cleared his appointments for the next two days.
'Why?' Janet, his assistant asked.
'I need some time to spend with my son,' he said.
'Oh, by the way, Janet..thanks for your time!'
'Life is not measured by the number of breaths we take
but by the moments that take our breath away,'
^
^
Think about this..you may not realize it, but it's 100% true.
1. At least 2 people in this world love you so much that they would die for you.
2. At least 15 people in this world love you in some way.
3. A smile from you can bring happiness to anyone, even if they don't like you.
4. Every night, SOMEONE thinks about you before they go to sleep.
5. You mean the world to someone.
6. If not for you, someone may not be living.
7. You are special and unique.
8. When you think you have no chance of getting what you want,
you probably won't get it,
but if you trust God to do what's best and wait on His time,
sooner or later, you will get it or something better.
9. When you make the biggest mistake ever,
something good can still come from it.
10. When you think the world has turned its back on you, take a look;
you most likely turned your back on the world.
11. Someone that you don't even know exist, loves you.
12. Always remember the compliments you received.
Forget about the rude remarks.
13. Always tell someone how you feel about them;
you will feel much better when they know and you'll both be happy.
14. If you have a great friend, take the time
to let them know that they are great.
TQ 4 your time
A young man learns what's most important in life from the guy next door.
It had been some time since Jack had seen the old man.
College, girls, career, and life itself got in the way.
In fact, Jack moved clear across the country in pursuit of his dreams.
There, in the rush of his busy life,
Jack had little time to think about the past and
often no time to spend with his wife and son.
He was working on his future, and nothing could stop him.
Over the phone, his mother told him, 'Mr. Belser died last night.
The funeral is Wednesday.'
Memories flashed through his mind like an old newsreel
as he sat quietly remembering his childhood days.
'Jack, did you hear me?'
'Oh sorry, Mom. Yes, I heard you. It's been so long since I thought of him.
I'm sorry, but I honestly thought he died years ago,' Jack said.
'Well, he didn't forget you. Every time I saw him he'd ask how you were doing. He'd reminisce about the many days you spent over
'his side of the fence' as he put it,' Mom told him.
'I loved that old house he lived in,' Jack said.
'You know, Jack, after your father died, Mr. Belser stepped in
to make sure you had a man's influence in your life,' she said.
'He's the one who taught me carpentry,' he said.
'I wouldn't be in this business if it weren't for him.
He spent a lot of time teaching me things he thought were important..
Mom, I'll be there for the funeral,' Jack said.
As busy as he was, he kept his word.
Jack caught the next flight to his hometown.
Mr. Belser's funeral was small and uneventful.
He had no children of his own, and most of his relatives had passed away.
The night before he had to return home,
Jack and his Mom stopped by to see the old house next door one more time. Standing in the doorway, Jack paused for a moment.
It was like crossing over into another dimension, a leap through space and time..
The house was exactly as he remembered.
Every step held memories.
Every picture, every piece of furniture..
Jack stopped suddenly.
'What's wrong, Jack?' his Mom asked.
'The box is gone,' he said.
'What box?' Mom asked.
'There was a small gold box that he kept locked on top of his desk.
I must have asked him a thousand times what was inside..
All he'd ever tell me was 'the thing I value most,' Jack said.
It was gone.
Everything about the house was exactly how Jack remembered it,
except for the box. He figured someone from the Belser family had taken it.
'Now I'll never know what was so valuable to him,'Jack said.
'I better get some sleep. I have an early flight home, Mom.'
It had been about two weeks since Mr. Belser died.
Returning home from work one day,
Jack discovered a note in his mailbox.
'Signature required on a package. No one at home.
Please stop by the main post office within the next three days,' the note read.
Early the next day Jack retrieved the package.
The small box was old and looked like it had been mailed a hundred years ago. The handwriting was difficult to read,
but the return address caught his attention.
'Mr. Harold Belser' it read.
Jack took the box out to his car and ripped open the package.
There inside was the gold box and an envelope.
Jack's hands shook as he read the note inside.
'Upon my death, please forward this box and its contents to Jack Bennett.
It's the thing I valued most in my life.'
A small key was taped to the letter.
His heart racing, as tears filling his eyes!
Jack carefully unlocked the box.
There inside he found a beautiful gold pocket watch.
Running his fingers slowly over the finely etched casing, he unlatched the cover.
Inside he found these words engraved:
'Jack, thanks for your time! - Harold Belser.'
'The thing he valued most was..my time.'
Jack held the watch for a few minutes then called his office
and cleared his appointments for the next two days.
'Why?' Janet, his assistant asked.
'I need some time to spend with my son,' he said.
'Oh, by the way, Janet..thanks for your time!'
'Life is not measured by the number of breaths we take
but by the moments that take our breath away,'
^
^
Think about this..you may not realize it, but it's 100% true.
1. At least 2 people in this world love you so much that they would die for you.
2. At least 15 people in this world love you in some way.
3. A smile from you can bring happiness to anyone, even if they don't like you.
4. Every night, SOMEONE thinks about you before they go to sleep.
5. You mean the world to someone.
6. If not for you, someone may not be living.
7. You are special and unique.
8. When you think you have no chance of getting what you want,
you probably won't get it,
but if you trust God to do what's best and wait on His time,
sooner or later, you will get it or something better.
9. When you make the biggest mistake ever,
something good can still come from it.
10. When you think the world has turned its back on you, take a look;
you most likely turned your back on the world.
11. Someone that you don't even know exist, loves you.
12. Always remember the compliments you received.
Forget about the rude remarks.
13. Always tell someone how you feel about them;
you will feel much better when they know and you'll both be happy.
14. If you have a great friend, take the time
to let them know that they are great.
TQ 4 your time
Tuesday, October 06, 2009
Australia Raises Rates, First G-20 Nation
http://online.wsj.com/article/SB125480012867566719.html
Australia start to raise interest rate, will the investment clock start move?
Australia start to raise interest rate, will the investment clock start move?
Investment Clock
I started to adopt this investment clock whereby I look at the current investment time and park my money in the right asset.
Do you know what is the time now?
Sunday, September 27, 2009
灵活应用评估准则
分享集:灵活应用评估准则 2009/09/26 12:01:13
●冯时能
评估股票价值的一些准则，例如本益比、周息率，每股净资产价值等，并不难懂，但如何应用，却不像想像的那么简单。
评估准则只是工具，就好像日常所用的工具一样，并非百利而无一弊。
譬如利刀可以割切，但应用不当，也可以伤手，不可不慎。
就以本益比来说。
本益比是股票市价，除以每股净利得出的，它反映了赚回本金所需之年数，假如股价为3.00令吉，而该股之每股净利为0.20令吉，则本益比为3.00令吉÷0.20令吉＝15。
这15就是本益比，表示每年赚0.20令吉，需要15年的时间才能赚回3.00令吉。
大家都知道，本益比越低，表示越快赚回本金；本益比越高，赚回本金的时间越长。
做生意，当然是越快赚回本钱越好，所以在选择股票时，都选本益比低的股票。
这样做没有错，但若食古不化，本益比不但不能帮助你做正确的选择，反而误导你，把你带进死胡同。
首先你必须知道，用以计算本益比的，都是过时的资料，它反映过去一年的业绩，并没有告诉你来年的业绩。
我们知道，企业的业绩，受到无数因素的影响，所以，每年的业绩都不同。如果你只看过去，忽略未来，你将被误导作出错误的判断，轻则失去赚钱机会，重则蒙受严重亏蚀，不可不慎。
过去的业绩，来年未必能重复。
有些公司，过去表现欠佳，但在新的领导人策划下，再配上有利的环境，来年业绩可能改观，投资者对此类股票必须刮目相待，否则会错失良机。
一个典型的例子是利得股份（Latexx），这家设在太平的手套厂，过去业绩表现差劲，但在新领导层的精心策划下，最近两季盈利表现不俗。
该公司捉紧手套需求殷切的有利环境，大力扩展生产，该公司宣布每3个月增产9亿只手套，在短短的一年多里，将产量由45亿增至90亿，如果盈利作正比例增加的话，在未来一两年中，盈利将有惊喜。
重点放在预期本益比
如果你认为该公司股价的上升是属於投机性质，又因过去的差劲表现而对该股不屑一顾，可能会失之交臂。
所以，在应用本益比时，应把重点放在预期本益比，而不是过去的本益比。
如果企业来年盈利会跃升，则目前本益比即使略高，也可考虑买进。
如果将来盈利可能走下坡，即使现在本益比偏低，也不可买进。
但是，必须提醒大家的是：不要过份相信过於乐观的盈利预测，毕竟不利因素随时会出现，根据现在的环境所作出的预测，将来未必能实现。
许多高成长股本益比奇高，只要盈利增长率略为不符理想，股价就会重挫，故高价买高成长股，风险很高，要特别小心。
没有一种十全十美的评估准则，几乎所有的准则都利弊参半。
所有准则利弊参半
就以周息率（Dividend Yield）来说，谁都知道高周息率是好的。
但往深一层想，一家公司若把大部份盈利以股息的方式分发给股东的话，公司那里还有钱发展业务？又如何能攫取新的投资机会？这导致高股息公司成长放慢，股价少有特出表现，股东收到高股息，无法弥补股票增值缓慢的损失。
可见高周息率也并非有利无弊的。
至於每股净有形资产价值（NTA），也要看企业的性质而定，如果企业赖以赚钱的是净有形资产，例如产业、种植业、制造业公司，则净有形资产越雄厚越值得买进。
假如企业赖以赚钱的不是有形资产，而是服务或创意，则在选股时过份强调有形资产，可能会使你对一些有潜能的公司失之交臂。
比如一些IT公司，所卖的是创意，如果你斤斤计较其净有形资产偏低的话，不敢买进，你会失去许多赚钱机会。
记住，评估准则是死的，必须懂得灵活应用，才能为你的投资服务。
若食古不化，见高本益比则弃之如遗屐，适足以反映你的愚昧，并非准则之过。
就好像尽信书不如无书，那样，尽信准则不如无准则。
●冯时能
评估股票价值的一些准则，例如本益比、周息率，每股净资产价值等，并不难懂，但如何应用，却不像想像的那么简单。
评估准则只是工具，就好像日常所用的工具一样，并非百利而无一弊。
譬如利刀可以割切，但应用不当，也可以伤手，不可不慎。
就以本益比来说。
本益比是股票市价，除以每股净利得出的，它反映了赚回本金所需之年数，假如股价为3.00令吉，而该股之每股净利为0.20令吉，则本益比为3.00令吉÷0.20令吉＝15。
这15就是本益比，表示每年赚0.20令吉，需要15年的时间才能赚回3.00令吉。
大家都知道，本益比越低，表示越快赚回本金；本益比越高，赚回本金的时间越长。
做生意，当然是越快赚回本钱越好，所以在选择股票时，都选本益比低的股票。
这样做没有错，但若食古不化，本益比不但不能帮助你做正确的选择，反而误导你，把你带进死胡同。
首先你必须知道，用以计算本益比的，都是过时的资料，它反映过去一年的业绩，并没有告诉你来年的业绩。
我们知道，企业的业绩，受到无数因素的影响，所以，每年的业绩都不同。如果你只看过去，忽略未来，你将被误导作出错误的判断，轻则失去赚钱机会，重则蒙受严重亏蚀，不可不慎。
过去的业绩，来年未必能重复。
有些公司，过去表现欠佳，但在新的领导人策划下，再配上有利的环境，来年业绩可能改观，投资者对此类股票必须刮目相待，否则会错失良机。
一个典型的例子是利得股份（Latexx），这家设在太平的手套厂，过去业绩表现差劲，但在新领导层的精心策划下，最近两季盈利表现不俗。
该公司捉紧手套需求殷切的有利环境，大力扩展生产，该公司宣布每3个月增产9亿只手套，在短短的一年多里，将产量由45亿增至90亿，如果盈利作正比例增加的话，在未来一两年中，盈利将有惊喜。
重点放在预期本益比
如果你认为该公司股价的上升是属於投机性质，又因过去的差劲表现而对该股不屑一顾，可能会失之交臂。
所以，在应用本益比时，应把重点放在预期本益比，而不是过去的本益比。
如果企业来年盈利会跃升，则目前本益比即使略高，也可考虑买进。
如果将来盈利可能走下坡，即使现在本益比偏低，也不可买进。
但是，必须提醒大家的是：不要过份相信过於乐观的盈利预测，毕竟不利因素随时会出现，根据现在的环境所作出的预测，将来未必能实现。
许多高成长股本益比奇高，只要盈利增长率略为不符理想，股价就会重挫，故高价买高成长股，风险很高，要特别小心。
没有一种十全十美的评估准则，几乎所有的准则都利弊参半。
所有准则利弊参半
就以周息率（Dividend Yield）来说，谁都知道高周息率是好的。
但往深一层想，一家公司若把大部份盈利以股息的方式分发给股东的话，公司那里还有钱发展业务？又如何能攫取新的投资机会？这导致高股息公司成长放慢，股价少有特出表现，股东收到高股息，无法弥补股票增值缓慢的损失。
可见高周息率也并非有利无弊的。
至於每股净有形资产价值（NTA），也要看企业的性质而定，如果企业赖以赚钱的是净有形资产，例如产业、种植业、制造业公司，则净有形资产越雄厚越值得买进。
假如企业赖以赚钱的不是有形资产，而是服务或创意，则在选股时过份强调有形资产，可能会使你对一些有潜能的公司失之交臂。
比如一些IT公司，所卖的是创意，如果你斤斤计较其净有形资产偏低的话，不敢买进，你会失去许多赚钱机会。
记住，评估准则是死的，必须懂得灵活应用，才能为你的投资服务。
若食古不化，见高本益比则弃之如遗屐，适足以反映你的愚昧，并非准则之过。
就好像尽信书不如无书，那样，尽信准则不如无准则。
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