that shows how stupid the checklist is

if the checklist is applied to DKSH before collapse at RM6, it is of course a NO NO NO lah

but if the checklist is applied to DKSH after the share price has declined by 50%, then it is a different story

the risk reward balance has shifted mah

that is exactly my point - don't blindly follow guidance prescribed by Famous Investors

use your own brain to think independently. God gives it to you for a reason

Why ah ?

Deng stopped quote here quote there and now they started to make a bit of money

It has to be a combination of independent thinking and warren buffalo

Only commies quote here quote there

(That is how the ruskies gone bankrupt)

surprisingly, the most adaptable, open minded and flexible old timers in i3 are two old men

one is qqq3, the other is icon8888

most of the others don't dare to walk out of the room without their warren buffalo book in hand

how does Aeon Credit achieve such low NPL ? This is one aspect that I couldn't understand (for many many years already)

I was referring to speakup


Posted by qqq3 > Jan 28, 2019 08:14 AM | Report Abuse

Icon8888 > Jan 28, 2019 07:48 AM | Report Abuse

You are letting all these things making yourself emotional and clouding your judgement

Focus on the stocks
========

lol...my capital smaller than yours....cannot play every thing....

dont think there is a theme

it just happens that takaful result is good and BIMB last Q did ok

You are letting all these things making yourself emotional and clouding your judgement

Focus on the stocks

BIMB potong now ? I am guided by fundamentals mah

If 45 Sen EPS, aim for 4.50 loh

No need warren buffalo to know that

In conventional insurance, insurance companies provides funds, take the risk, reap the profit

In Takaful, policy holders provide funds, Takaful operator manage the operations and bears the risk for a fee (the risk is mitigated through reinsurance or diversification through portfolio of insurees of course, who as mentioned above, is the funds provider for the Takaful).

Because of this arrangement, Policy holders are entitled to a share of the profit

That is why as a policy holder of Maybank Takaful , I regularly receive cheques from my Takaful company

With this kind of model， who would not switch from conventional to Takaful ? That is why Takaful has been growing by leaps and bounds over past ten years

It has a structural advantage over its conventional competitors

A moat of sort, I would say

https://en.m.wikipedia.org/wiki/Takaful

Do you know that I buy Takaful insurance, not only I get coverage, I also got paid by Takaful every now and then (my real life experience) ? Go study the business concept qqq3

Then you know why it cleans the clock of conventional insurance

Do I understand the business ? If you study the concept of Takaful you will be blown away !!!

No need wait for recession, this stock normal time already dead

And both cum at same time discussing Ben Graham ?

you spent so much time with 3iii day talk night talk, one day you will fall in love, ditch your wife and run away with him

ya... who cares how many floors of Shell you know...

Better go and study Syarikat Takaful

Should suit your dinasour investing

I see a lot of activities here

But I stay away (and refuse to read)

Prefer making money to empty talks

Nobody get rich by wining arguments

See you !!!

Your skp very chun leh

Thought you worry asset quality ? (1MDB tabung haji etc)

cheoky
1813 posts
Posted by cheoky > Jan 25, 2019 12:44 PM | Report Abuse

yum yum call me-mr abullah bin cheoky. i like banking in islamic bank. dividend with cheap share come come. i am waiting.

There is no big small medium salted or whatever fish lah

There is only earning

If Johotin can continue to deliver good earning, you will make money

As simple as that

Don't worry about fishes

Damn I sold at 126

if they do that people said they goreng loh

tell got scolded , don't tell they also got scolded

because it is in their ordinary course of business mah

according to Bursa rules, they don't need announcement

but having seen share price gone up and down like that, they probably feel that it is best to say something

that is my experience regarding PLCs

don't look at it flashing green and red

this stock can keep

due to lack of earning, it has risk of retracement

but the story is real as per announcement yesterday

all they need is nurture it slowly

I bought this stock just like I bought sapura energy

the theme is more or less there, just need to go through gestation period

have some patience

it can potentially be a multi bagger

I have 300 lorries

If you think about it, if Malaysian government wants to promote epayment etc , wouldn't a PNB entity be the perfect vehicle ?

If purely government owned, not efficient. If purely private sector driven, Bumi interest might not be taken care of. And also, for a private entity, there is a limit of how deep it can really tap into government network and agencies.

PNB linked entity is the best as it is a public and private hybrid. And also it is apolitical

I am not promoting. I am just voicing my opinion as I am genuinely excited

I said TP 30 doesn't mean sailang

I simply say only based on Myeg market cap 3000 mil and ht Padu market cap 100 mil

The fact is that Ht Padu makes up only 2% of my portfolio

I don't bet big

If anybody sees my TP RM30 and chase high that is his own problem

Wah Long time no see

TP RM30

This stock not susceptible to change of political wind

PNB belongs to Bumis

BN or PH the same

Might as well change name to MyPay Berhad

this stock gone case already lah

change government mah

potentially Malaysia's Alipay

if you read the article above, there is actually no need to secure any contract

the government, by allowing them to hook up with various government agencies, is already granting them privilege access that no other IT companies have

there is indeed no need to enter into any contract

============

Heitech's announcement today :-


Reference is made to The Star Online article dated 18th January 2019 on the title “QUICK TAKE: HEITECH PADU JUMPS 25% ON FORAY INTO GOVT E-SERVICES”

The Company wishes to clarify that Dapat Vista Sdn Bhd (80% subsidiary of HeiTech Padu Berhad) (Dapat) has, on its own initiative, launched an online payment platform capitalizing the government e-services space.

HeiTech Padu Berhad wishes to clarify that we have not obtain any contracts from the government pertaining to above initiative. We believe that the online payment service is an open market that offers great potentials for organisations or people with the technological expertise.

With regards to Dapat’s Initiatives under mySMS and myPay, Dapat has obtained the necessary consent from the relevant government agency.

As a dynamic listed entity and in line with its corporate vision, HeiTech is constantly exploring new potential business opportunity both locally and abroad for the purpose of increasing the value of its shareholders.

As and when appropriate, HeiTech will make the requisite announcements to Bursa Malaysia Securities Berhad (“Bursa Malaysia”) should the company be successful in securing any contracts in line with the requirements of Bursa Malaysia.

MyPay is a one-stop portal to check on summons, voter status, student loans and immigration status
BY ALEXANDER WONG 14 JANUARY 2019 1 COMMENT

186
SHARES
MyPay government portal
Dealing with various government departments can be a chore but there’s a new portal called MyPay that aims to make things easier. From a single portal, you can check on your fines, immigration status, student loan and even the expiry of your road tax and driving license.

Despite sounding like a payment gateway or an e-Wallet, MyPay it is more of an information portal which is somewhat similar to MyEG. Unlike MyEG, MyPay doesn’t offer additional services such as working permit renewals for foreign workers and maids.


MyPay is managed by Dapat Vista (M) Sdn Bhd, a company that’s better known for offering government-linked SMS services in partnership with over 300 government agencies. Since most people are connected to the internet, it makes more sense for the company to transition to an online based portal.

MyPay doesn’t have to struggle as much as a brand new startup as the company has existing links to various departments for their current SMS service. We are told that there are 149 government councils throughout Malaysia.


When you register a MyPay account, your IC number is the key identification for logging in. To prevent others from snooping on your personal details, new registrations will require photo verification using a picture of your IC along with a selfie.

After your IC is verified, you can gain access to a variety of government departments and they will pull out the relevant information that’s tied to your IC number. This includes the Royal Malaysian Police (PDRM), Road Transport Department (JPJ), the Election Commission (SPR), National Higher Education Fund Corporation (PTPTN), National Registration Department (JPN), Immigration (JIM) and various municipal and city councils.

SEE ALSO: ICYMI #7: Razer Phone 2 in Malaysia, pay summons with MyPay, Samsung's first notched Galaxy M & more

The JPJ and PDRM section will highlight your outstation summons as well as the validity of your vehicle road tax and driver’s license. You can also make payment via the MyPay portal. MyPay will accept your usual online banking and debit or credit cards, as well as Boost and Touch ‘n Go eWallet. MyPay monetises on the transaction fee of about 50 sen to RM1.00 and it is more reasonable than taking a percentage cut.


Before you travel, MyPay also allows you to view your immigration status as well as your PTPTN loan. This makes it easier to check if you’re barred from overseas before you make any travel plans. On top of PTPTN, you can also check the status of loans from PTPTK, Mara and various state foundations.


MyPay will also cover other areas of government services such assessment, quit rent and insolvency. For some departments, additional information may be required for further verification. The platform also allows you to check the status of your IC application as well as your registered polling station for the next election.

At the moment, MyPay is currently running as a closed beta and they aim to open the platform to the public by end of January 2019. There’s no app yet and MyPay is only accessible through their mobile website. A desktop web version will be offered later.

recent weak Q provided golden opportunity to buy

I quick quick jumped in 870

Market cap hopefully can reach RM3 bil (myeg)

Zeti will hold their hands

https://www.theedgemarkets.com/article/high-court-upholds-mycc-decision-myegs-abuse-market-position

450 easily

And almost zero loan

This thing is about to break out already

Sit tight don't even move a muscle

Oh ok I didn't realise you like it

John Neff lah

If you spend less time whacking my Friend KC Chong you might have time to read more

X P

Ekovest I like also

Just a bit worry about PH asks them to cut construction margin

Just a bit worry

You don't need to be god to know

There are objective facts to substantiate

I don't simply say things

Petronm better than hengyuan

Wah you make buy call don't make it sound like cold eye make buy call

Stand on your own feet