The ancient Chinese call it Feng Shui, literally means wind and water, because this two elements is very important to our environment. To the ancient peoples who are mostly farmers or rely on the environment to survive, wind and water means their survival. To the rich and power a good environment will help them in peace and prosperity.
The Chinese uses these two words to instill the importance of our environment. For the past 4500 years the Chinese has been accumulating the knowledge of Feng Shui but at that time only the rich and powerful understand the value. They understand because the amount of responsibilities they handle daily would have drained them physically and mentally thus need a very good environment for them to rest, work and plan. Their every mistake will cost them dearly so they understand their investment to ensure a good environment is a must.
The effect of our environment cannot be seen with our naked eyes and the harm it brings when it happen would be too late for most to rectify. Feng Shui knowledge encompasses our premise magnetic field that causes rapid or slow blood flow of each occupant, the size of our room that causes comfort or stress, the height of the room ceiling that causes compression of air, the lighting that causes bright or dim, the size of window that cause fresh airflow, the proper plants that causes high or low humidity and so forth.
Feng Shui knowledge covers the overall environment from the external to the internal of the premise. The analysis of Feng Shui is to understand how the occupants are affected by the premise they work or dwell in. The use of occupants date of birth in collation with the premise external and internal factors determine the effects of Feng Shui to the occupants. The Feng Shui consultants duties are to minimize the harmful effects of the environment and enhance the helpful effects by adjusting the environment with colors such as wall color, paintings such as desert scenery, exhibits such as animal carving, patterns such as curtain pattern, material such as furniture made of rattan, plants such as bamboo and articles such as wine on display. Feng Shui knowledge has been around 4500 years so professional consultants will have the 7 items to help you adjust each room of your house. You no longer need to trouble yourselves by moving premise or tear down wall in the process of improving your premise Feng shui. The luxury of choosing the auspicious piece of land for our home/office and building it to Feng Shui specification is limited to a hand full of peoples now. If you are one of them, you still be able to enjoy Feng Shui by getting from your consultant the 7 most auspicious items (Color / Painting / Exhibit / Pattern / Material / Plant / Article) to redecorate every room of your premise.
But please take note, the knowledge of Feng Shui is to help us take preventive measures before the environment causes harm to our mind, body and spirit. You would still be asking why do peoples still fail if the knowledge has been around for 4500 years. The problems is because, it is human being nature to let things happen than seek remedy. Most know the importance of preventive measure and most still believe they are not so unlucky to be the one affected. More often than not they are the unlucky one who has to suffer the consequences. They miscalculated the harm an environment could cause them. They ignore what the rich and powerful used (the Feng Shui knowledge) as preventive measure to ensure better success. If they are so successful and still need to apply Feng Shui, We should follow their foot step in applying Feng Shui knowledge to our environment to enhanced the chance of our family members success. For Feng Shui to be effective one should use it to prevent the adversity rather than seeking for cure when adversity were to have happened.
Feng Shui is the ancient Chinese art of placement in relation to energy with the motion of earth, astral and magnetic field. It is the act of working with physical objects in the environment in such a way that produced a desired outcome.
Modern science authenticated what the Feng Shui has recognized for more than 4500 years through the discovery that all matter and non-matter are composed of subatomic particles of energy. Quantum physicist have since done experiment that these infinitesimally small bits of energy literally to thought, changing behavior depending on where and how researcher focus their attention. This revelation affirms the awesome power of Feng Shui.
In the late twentieth century, Feng Shui is finding increasing acceptance in the west among architects, city planners, landscape and interior designers, business executives and home owners. For most Chinese Feng shui is regularly employed as a matter-of-fact and vital part of everyday life.
On the other hand, due to costly consultation fees, Feng Shui or geomancy services has become scarely in demand and limited. People tend to seek the conventional approach to Feng Shui through reading books. As a matter of fact, reading can only provide basic theoretical knowledge and is impractical to put into practice.
There are 3 steps to a Feng Shui practice.
1. We should start by understanding the house Feng Shui condition by conducting a Feng Shui Checks. The check require the whole family date of birth and overall layouts to determine the beneficial factors and damaging effects.
2. After understanding the condition of the house through Feng Shui Checks, the remedy steps need to be taken to overcome the damaging effects and at the same time enhancing the beneficial factors. The remedy steps is know as Feng Shui Adjustment
3. When Feng Shui Adjustment report is applied to remedied, it is to stabilize your house Feng Shui condition. The subsequent steps is to apply the Feng Shui Formation to further enhance the beneficial effects.
Note: Feng Shui practice require occupants to understand the condition of the house in Feng Shui perspective before embarking on any further action. So have your house Feng Shui Check before conducting any remedy.
EasternArt Revive Sdn. Bhd. is the first company in the world to offer FREE Feng Shui Check (Please remember to indicate the direction on the layout plan)for occupants to understand the effect of the house Feng Shui on them. With 80% accuracy, the company provide the following check:
1. Will the house Feng Shui cause occupants to encounter unemployment?
2. Will the house Feng Shui cause occupants to encounter late success in career?
3. Will the house Feng Shui cause occupants to fail in their career embarkation?
4. Will the house Feng Shui cause occupants to face career uncertainty?
5. Will the house Feng Shui cause occupants to encounter legal problems?
6. Will the house Feng Shui cause occupants assets to deplete?
7. Will the house Feng Shui cause occupants to face bankrupcy?
8. Will the house Feng Shui cause occupant descendants to encounter hardship?
Articles extracted from Eastern Art Revive Sdn Bhd
Tuesday, December 15, 2009
Have You Got the 'Right of Retirement'?
WHAT IS FINANCIAL PLANNING?
Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child's education, or planning for retirement. However, financial planning itself is not a product, but a process. It involves financial processes that help you take a “big picture” look at where you stand financially today. Using these financial processes, you can work out where you are now, what you may need in the future and what you must do to reach your goals.
RETIREMENT PLANNING
A small proportion of people seem to dread the thought of retirement. Enough stories are told of individuals --usually male --, who, having spent their whole live toiling and finding significance solely in their careers, then inexplicably keel over and die within a year of retirement. But for most of us the thought of a happy, well-funded retirement is an attractive one. Such thinking is certainly justified in this day and age. After all, prior to the Industrial Revolution the very concept of retirement was essentially unheard of. But the exponential growth in human wealth this century and the accompanying increase in expectations and lengthening lifespan have all worked together to stamp what we may well call the 'Right of Retirement' into our very souls. That is a good thing. Yet to be able to truly enjoy retirement we must be wise in converting a portion of our active income into swelling streams of passive income. For only when our retirement is free of the worries common to all who lack sufficient money, can we truly say that our latter years will be a period of reaping the just rewards of a lifetime of industry. The road to this happy destination may be a trifle narrow, but it is not difficult to embark upon. The objective of Retirement Planning is to first analyse your retirement needs and then to project the estimated future retirement cost through the Retirement Planning Calculator.
Articles extracted from Public Mutual on 15 December 2009, http://www.publicmutual.com.my/page.aspx?name=fpc-retirement-planning
Financial Planning is the process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for your child's education, or planning for retirement. However, financial planning itself is not a product, but a process. It involves financial processes that help you take a “big picture” look at where you stand financially today. Using these financial processes, you can work out where you are now, what you may need in the future and what you must do to reach your goals.
RETIREMENT PLANNING
A small proportion of people seem to dread the thought of retirement. Enough stories are told of individuals --usually male --, who, having spent their whole live toiling and finding significance solely in their careers, then inexplicably keel over and die within a year of retirement. But for most of us the thought of a happy, well-funded retirement is an attractive one. Such thinking is certainly justified in this day and age. After all, prior to the Industrial Revolution the very concept of retirement was essentially unheard of. But the exponential growth in human wealth this century and the accompanying increase in expectations and lengthening lifespan have all worked together to stamp what we may well call the 'Right of Retirement' into our very souls. That is a good thing. Yet to be able to truly enjoy retirement we must be wise in converting a portion of our active income into swelling streams of passive income. For only when our retirement is free of the worries common to all who lack sufficient money, can we truly say that our latter years will be a period of reaping the just rewards of a lifetime of industry. The road to this happy destination may be a trifle narrow, but it is not difficult to embark upon. The objective of Retirement Planning is to first analyse your retirement needs and then to project the estimated future retirement cost through the Retirement Planning Calculator.
Articles extracted from Public Mutual on 15 December 2009, http://www.publicmutual.com.my/page.aspx?name=fpc-retirement-planning
The world's richest men say go buy stocks, global economic panic is over
The Star Online > Business
Published: Friday November 13, 2009 MYT 7:45:00 AM
Updated: Friday November 13, 2009 MYT 12:12:43 PM
Buy attractive stocks, they say
NEW YORK: Capitalism is still alive and well, say the world's two richest men, despite lingering shocks from the longest, deepest recession since the Great Depression.
"The financial panic is behind us," said famed investor Warren Buffett, who recently made what he called an "all-in wager" on the U.S. economy by acquiring railroad Burlington Northern Santa Fe.
"The bottom has come in stocks. Don't pass on something that's attractive today."
Bill Gates, Chairman of Microsoft Corp. and billionaire investor Warren Buffett, CEO of Berkshire Hathaway, speak during a taping of CNBC television special at Columbia University on Thursday in New York. (AP Photo/Jin Lee)
Sitting facing each other in an auditorium filled with nearly 1,000 cheering people at Columbia University in New York, the CEO of Berkshire Hathaway Inc. and Microsoft founder Bill Gates fielded questions from Columbia Business School students on the recession, investing and what's the next Microsoft.
There were at first reassurances that the U.S. economy had not collapsed since the last time the two sat in front of a student audience, in Nebraska in 2005.
"We proved that we can make mistakes," said Gates.
"But the fundamentals of the system, a marketplace-driven system where we invest in education and a great infrastructure for the long-term, that's continued."
Even in the country's "darkest hour," he said, American businesses were still innovating.
"Last fall was really blindsiding," Buffett said later.
Still, "I did not worry about the overall survival of our economy."
The worst recession since the 1930s may be over, but the recovery isn't expected to be strong enough to stem job losses and get businesses hiring again.
Employers shed a net total of 190,000 jobs in October, a government survey showed Thursday.
It was the 22nd straight month of losses.
And the unemployment rate jumped last month to 10.2 percent, a 26-year high.
Buffett also commended the Bush administration's actions last September, saying "only the government could have saved things" after the collapse of Lehman Brothers triggered a freeze-up in credit markets and panic on Wall Street.
In the future, however, Buffett said "there should be more downside to the head of any institution that has to go to the federal government to be saved for reasons of the greater society. And so far, we have been better at carrots and sticks in rewarding CEOs at the top. But I think some more sticks are called for."
The two endeared themselves to the audience with tips.
Buffett exhorted students to "marry the right person" and said, "The worst investment you can have is cash."
Gates, meanwhile, said he sees big opportunities in environmentally friendly energy and medicine.
"Capitalism is great," he said.
Gates wore a suit and tie, flashing the inner red lining of his jacket as he walked to his chair. Buffett, who earned a master's degree from Columbia in 1951, wore a sweater with the Columbia insignia.
Students in the audience said they were glad the two were so confident about the economy.
"That probably weighs a lot to a lot of people to hear Buffett say we're out of the crisis," said Andrea Basche, an Earth Institute student at Columbia. - AP
Latest NYSE, NASDAQ and other business news, from AP-Wire
For latest Bursa Malaysia indices, charts and other information click here
New York Stock Exchange: http://www.nyse.com
Nasdaq Stock Market: http://www.nasdaq.com
For Tokyo Stock Exchange click here
--------------------------------------------------------------------------------
?1995-2009 Star Publications (Malaysia) Bhd (Co No 10894-D)
Published: Friday November 13, 2009 MYT 7:45:00 AM
Updated: Friday November 13, 2009 MYT 12:12:43 PM
Buy attractive stocks, they say
NEW YORK: Capitalism is still alive and well, say the world's two richest men, despite lingering shocks from the longest, deepest recession since the Great Depression.
"The financial panic is behind us," said famed investor Warren Buffett, who recently made what he called an "all-in wager" on the U.S. economy by acquiring railroad Burlington Northern Santa Fe.
"The bottom has come in stocks. Don't pass on something that's attractive today."
Bill Gates, Chairman of Microsoft Corp. and billionaire investor Warren Buffett, CEO of Berkshire Hathaway, speak during a taping of CNBC television special at Columbia University on Thursday in New York. (AP Photo/Jin Lee)
Sitting facing each other in an auditorium filled with nearly 1,000 cheering people at Columbia University in New York, the CEO of Berkshire Hathaway Inc. and Microsoft founder Bill Gates fielded questions from Columbia Business School students on the recession, investing and what's the next Microsoft.
There were at first reassurances that the U.S. economy had not collapsed since the last time the two sat in front of a student audience, in Nebraska in 2005.
"We proved that we can make mistakes," said Gates.
"But the fundamentals of the system, a marketplace-driven system where we invest in education and a great infrastructure for the long-term, that's continued."
Even in the country's "darkest hour," he said, American businesses were still innovating.
"Last fall was really blindsiding," Buffett said later.
Still, "I did not worry about the overall survival of our economy."
The worst recession since the 1930s may be over, but the recovery isn't expected to be strong enough to stem job losses and get businesses hiring again.
Employers shed a net total of 190,000 jobs in October, a government survey showed Thursday.
It was the 22nd straight month of losses.
And the unemployment rate jumped last month to 10.2 percent, a 26-year high.
Buffett also commended the Bush administration's actions last September, saying "only the government could have saved things" after the collapse of Lehman Brothers triggered a freeze-up in credit markets and panic on Wall Street.
In the future, however, Buffett said "there should be more downside to the head of any institution that has to go to the federal government to be saved for reasons of the greater society. And so far, we have been better at carrots and sticks in rewarding CEOs at the top. But I think some more sticks are called for."
The two endeared themselves to the audience with tips.
Buffett exhorted students to "marry the right person" and said, "The worst investment you can have is cash."
Gates, meanwhile, said he sees big opportunities in environmentally friendly energy and medicine.
"Capitalism is great," he said.
Gates wore a suit and tie, flashing the inner red lining of his jacket as he walked to his chair. Buffett, who earned a master's degree from Columbia in 1951, wore a sweater with the Columbia insignia.
Students in the audience said they were glad the two were so confident about the economy.
"That probably weighs a lot to a lot of people to hear Buffett say we're out of the crisis," said Andrea Basche, an Earth Institute student at Columbia. - AP
Latest NYSE, NASDAQ and other business news, from AP-Wire
For latest Bursa Malaysia indices, charts and other information click here
New York Stock Exchange: http://www.nyse.com
Nasdaq Stock Market: http://www.nasdaq.com
For Tokyo Stock Exchange click here
--------------------------------------------------------------------------------
?1995-2009 Star Publications (Malaysia) Bhd (Co No 10894-D)
Sunday, December 13, 2009
KWSP Kiosk Location
"Kiosk KWSP” is available now at a lot of banks with “different Operation Hour”. You can click on the link to get the full list and go to the nearest location.
http://www.kwsp.gov.my/index.php?ch=p2corporateinfo&pg=bm_p2corporateinfo_epfoffice&tpt=32ene&lang=bm
http://www.kwsp.gov.my/index.php?ch=p2corporateinfo&pg=bm_p2corporateinfo_epfoffice&tpt=32ene&lang=bm
The bull market has entered a new phase
By David Schwartz
Published: December 4 2009 18:01 Last updated: December 4 2009 18:01
I wear two stock market hats. Many of my trades remain open only for a brief period. But I also think a great deal about long-term stock market prospects. I believe that having a long-term perspective provides me with a significant short-term trading edge.
History can be a useful tool when it comes to formulating views about the future. For example, my review of past bull markets shows that most go through two distinctive phases. But the issues that trigger each phase can differ.
The opening phase of a bull market is rarely due to a single event or news flash. Rarity is what made the Federal Reserve’s rate cut in October 1998 so memorable – it was an emergency measure after the near-meltdown of the Long-Term Capital Management hedge fund. Shares rallied sharply for nine months in the aftermath of that action.
More typically, it is a series of related events that cause investor sentiment to shift to a bullish mode. These triggers are often linked to the underlying economy, such as improvement on several forward-looking economic indicators.
But economic improvement is not a necessary pre-condition for the first stage of a new bull market. A powerful rally began in January 1975, which saw shares more than double in 12 months, despite horrid economic conditions that continued for several years. The main trigger for the rally was that selling pressure by disheartened investors had finally tapered off.
The current bull market appears to be a re-run of 1975. Investors finally accepted earlier this year that the ongoing economic downturn was a recession, not a re-run of the Great Depression. Stock markets rose sharply since their March lows despite no sign of near-term economic improvement.
Unlike stage one, history teaches that the second stage of a bull market nearly always has an economic link. If there are no signs of significant growth in the next six to 12 months, significant “phase two” rallies do not occur.
I suspect that phase one of the current bull market has run its course. Most investors recognise that we are not in a re-run of the Great Depression. This is probably now in the price.
Another point is that shares rose indiscriminately in the first six months of this rally. Companies suffering from weak sales or capital inadequacy, as well as healthy companies, made strong gains.
These across-the-board increases appear to have ended. Investors are now more discriminating and are focusing on prospects for specific companies. Fresh forward-looking management statements are now triggering bounces or sell-offs for a specific share, but not for the broader stock market.
This behaviour leads me to conclude that we have now reached phase two of the ongoing bull market.
If I am right, broad economic prospects for the future will play an increasingly important role in stock market profitability. It has become fashionable to treat the booming Chinese economy as a western stock market booster, but we must not forget that the US is still the world’s largest economy. UK shares are heavily influenced by what happens on Wall Street and Main Street.
So what lies ahead? The most recent batch of economic statistics from both sides of the Atlantic continues to disappoint. In the UK, the economy remains severely damaged. Retail activity is weak. Residential property is limping. Bank lending lags – despite claims to the contrary by the banks.
Across the Atlantic, last week’s economic reports were also disheartening. The start of the Christmas buying season saw weaker Black Friday sales than hoped for. Unemployment continues to rise, but at a slower rate. A number of other government-issued reports also disappointed investors.
Even when the news was good, some important warning signals were buried in the data. The latest reading of economic activity from the Institute of Supply Management (ISM) came in at 53.6. As a rough rule of thumb, scores above 50 are thought to be positive for the future. However, this month’s figure had slipped steeply from the previous month.
Ian Shepherdson, of High Frequency Economics, warns that strong economic recoveries are generally associated with ISM scores above 60. He also observes that ISM data are drawn from a cross-section of very large companies. Small companies are not represented and they account for half of total gross domestic product in the US.
The conflict between heavy spending by large companies and lower spending by small companies with poor access to bank loans will be played out in the next few months. For the moment, mildly positive news from this data must be taken with a grain of salt. On balance, there is little reason to expect a healthy US growth spurt in the near future.
Should the economy start to grow strongly, I am confident that stock markets on both sides of the Atlantic will rise. But, given the huge advance we have enjoyed in 2009, I fear that, if the US economy does not show unequivocal signs of solid growth, prospects for the next six months might be disappointing.
Stock market historian David Schwartz is an active short-term trader writing about his own trades and strategies. Send any comments or suggestions to tradersdiary@ft.com
Published: December 4 2009 18:01 Last updated: December 4 2009 18:01
I wear two stock market hats. Many of my trades remain open only for a brief period. But I also think a great deal about long-term stock market prospects. I believe that having a long-term perspective provides me with a significant short-term trading edge.
History can be a useful tool when it comes to formulating views about the future. For example, my review of past bull markets shows that most go through two distinctive phases. But the issues that trigger each phase can differ.
The opening phase of a bull market is rarely due to a single event or news flash. Rarity is what made the Federal Reserve’s rate cut in October 1998 so memorable – it was an emergency measure after the near-meltdown of the Long-Term Capital Management hedge fund. Shares rallied sharply for nine months in the aftermath of that action.
More typically, it is a series of related events that cause investor sentiment to shift to a bullish mode. These triggers are often linked to the underlying economy, such as improvement on several forward-looking economic indicators.
But economic improvement is not a necessary pre-condition for the first stage of a new bull market. A powerful rally began in January 1975, which saw shares more than double in 12 months, despite horrid economic conditions that continued for several years. The main trigger for the rally was that selling pressure by disheartened investors had finally tapered off.
The current bull market appears to be a re-run of 1975. Investors finally accepted earlier this year that the ongoing economic downturn was a recession, not a re-run of the Great Depression. Stock markets rose sharply since their March lows despite no sign of near-term economic improvement.
Unlike stage one, history teaches that the second stage of a bull market nearly always has an economic link. If there are no signs of significant growth in the next six to 12 months, significant “phase two” rallies do not occur.
I suspect that phase one of the current bull market has run its course. Most investors recognise that we are not in a re-run of the Great Depression. This is probably now in the price.
Another point is that shares rose indiscriminately in the first six months of this rally. Companies suffering from weak sales or capital inadequacy, as well as healthy companies, made strong gains.
These across-the-board increases appear to have ended. Investors are now more discriminating and are focusing on prospects for specific companies. Fresh forward-looking management statements are now triggering bounces or sell-offs for a specific share, but not for the broader stock market.
This behaviour leads me to conclude that we have now reached phase two of the ongoing bull market.
If I am right, broad economic prospects for the future will play an increasingly important role in stock market profitability. It has become fashionable to treat the booming Chinese economy as a western stock market booster, but we must not forget that the US is still the world’s largest economy. UK shares are heavily influenced by what happens on Wall Street and Main Street.
So what lies ahead? The most recent batch of economic statistics from both sides of the Atlantic continues to disappoint. In the UK, the economy remains severely damaged. Retail activity is weak. Residential property is limping. Bank lending lags – despite claims to the contrary by the banks.
Across the Atlantic, last week’s economic reports were also disheartening. The start of the Christmas buying season saw weaker Black Friday sales than hoped for. Unemployment continues to rise, but at a slower rate. A number of other government-issued reports also disappointed investors.
Even when the news was good, some important warning signals were buried in the data. The latest reading of economic activity from the Institute of Supply Management (ISM) came in at 53.6. As a rough rule of thumb, scores above 50 are thought to be positive for the future. However, this month’s figure had slipped steeply from the previous month.
Ian Shepherdson, of High Frequency Economics, warns that strong economic recoveries are generally associated with ISM scores above 60. He also observes that ISM data are drawn from a cross-section of very large companies. Small companies are not represented and they account for half of total gross domestic product in the US.
The conflict between heavy spending by large companies and lower spending by small companies with poor access to bank loans will be played out in the next few months. For the moment, mildly positive news from this data must be taken with a grain of salt. On balance, there is little reason to expect a healthy US growth spurt in the near future.
Should the economy start to grow strongly, I am confident that stock markets on both sides of the Atlantic will rise. But, given the huge advance we have enjoyed in 2009, I fear that, if the US economy does not show unequivocal signs of solid growth, prospects for the next six months might be disappointing.
Stock market historian David Schwartz is an active short-term trader writing about his own trades and strategies. Send any comments or suggestions to tradersdiary@ft.com
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