大马政治论坛

最近没事做就看报纸，
对于国事和时事，我深感兴趣，
一股热血让我这位马来西亚华人投入这政治平台。

谁说只有上了年龄的人才了解政治，
张盛闻年轻就委任教育副部长了。
本人认为，年轻人就应该了解政治，
尤其是大选气势，从纳吉一举一动，比较有经验的政客也心里有数。
30日3月2017，我们首相驳回355法案的成交，
这天对本来就不相干的华人来说，其实也没有任何改变。
对于，长久奋斗的华教斗士而言，总算松了一口气。

但，我们真的就可以松了一口气吗？
要明白，纳吉明理决定不是偶然的，只是时机未到罢了。
因为我们还是有着一定影响力，
而他们政治目的就是挽回华人心，保留马来人票。

26日3月2017

郑丁贤 （星周日报副总监）写了 行动党，你争气些 一篇，
描述了行动党的无能和一些批评，
他说行动党只会诬赖和不道歉，回教强大是行动党的错，
在国会虽然占多数席位，不但没有强烈反对回教议程。
事后不但没道歉，还把箭头指着马华。

30日3月2017
行动党秘书长办事处 回文了，
行动党，一直很争气。 老实说，这篇文章真的不简单，
包含理智，对于郑丁贤的种种指责和看法一字不漏做出回应。
说真的，我看到头头是道，从历史到坎坷，说到这半个世纪，
媒体和社交都是被国政操控，制造恐慌和种族分裂。
这我倒是赞同，包括513事件，
马来报那时是放着 “华人占领了吉隆玻，马来人回去乡下” 为标题，
这种挑起马来人愤怒的标题，让悲剧发生，数千华人牺牲。
在这篇文章里也谈到，行动党的一些壮举，
如，和回教断绝关系，槟州金钱管理，和一直坚持理念的一个马来西亚人的马来西亚。
而这篇里也谈到，郑丁贤本人意图是在为纳吉国政涂脂抹粉，应用语言辩护是非。


双方强势不必谈，大家有时有智慧的民族精英，
说的头头是道，
一方经营多年的大马华人最具有影响力报社，
一方是最受大马华人支持政党，为亿华人执行大马首长，
双方文字直落，这是好事。
但我觉得，彼此还是浑浊在推卸责任的圈套里你一言我一语。
坦白说，大家是不是好像有点不大搭配呢？

一边是有着执行能力的政客，一方是一名深知的政治评论家。
评论家，就是评论家，他无所不谈，也没有约束。
就算是心里有点频向国政，那也是它的权利。
就比如马来前锋报，很多记者也是反华主义者，
他们依然可以成为记者，报道和写作。

而槟城首长，对于郑丁贤的文章一直都耿耿于怀，
他们不是第一次交锋了，因为他之前的一些文章都在批评林冠英，
也许，因为不满媒体不断在华人流动繁忙的报道社影响自己声誉。
劳烦本尊一直回应。他立场坚决。
回教出卖了火箭是事实，反对无效也是事实，断绝关系也是唯一出路。
他在他能力范围里做的事，已经做完。

双方都没错，这是场精彩的“演说”
像是场辩论赛，
你问我答，我回答后，再踢你你一脚，
大家都在辩论里更了解自己，和对方。
大家都明白一点事情。
其实，这就是民主价值的骄傲，民主的美。

可惜，像李显龙先生回应反对派时所说的，
我们身为22%少数族群，
只能不断指着，批评和推卸责任。
然后，不断说自己很负责任，
这就是马来西亚，二线发展中国家的华人的苦恼。
我们不是没有智慧，我们不是没有学问，
我们也不是没有金钱，
我们只是在这民主时代的国家里，
被多数民族和政治给吞没了。
再多的批评，责任，言论，和奋斗。
都只是在延长华人在大马不被统一的寿命而已。
延长，是一个对很多华教人士来说意义深重的责任。
而未来的路，也只能靠我们这班被社交牵着鼻子走的“未来主人翁”了 。

而值得一提，
同日。
星洲日报也以 相煎何太急？ 回应了。

其实我是被这 “相煎何太急” 标题给与很多感想。
这句话前面是 本是同根生，后面是相煎何太急
这句谚语实在三国时代曹植说的七步诗，
曹丕接手曹操霸业后，因为曹植一直都被曹操信赖而感到嫉妒，
在要处决曹植时，问了曹植死前遗言。
“本是同根生, 相煎何太急”
描述了大家都是同一个管道出来，何必互相争斗呢。

对啊，不管是国政，还是火箭。
百年前，郑和下西洋时，我们祖先都是来自同一条船的。
这不是我们的错，只是时代变化，
人才因大马不公平而流逝的事实已成定局，
华人流浪海外，也是事实。

大家别忘记。
我没根本没有这政治筹码可谈，
现在没有，以后更少。

虽然说政治影响我们生活一切，
但，大部分问题都是金钱可以解决，
而金钱也是可以用努力和智慧换回，
那么，以其活在埋怨生活，不如把政治看开点，
我们生为大马子民，把手中一票投好，就已经对自己负责任了。

我们能做的事，就是努力工作，赚钱。
玩游世界，活在一个实在，自由，没有大天灾的国度里。
这样人生，其实也可以很美好的。

科科。

My Investing Philosophy

Finally I decided to dedicate a post for my investment journey in my little infamous blog.
I still have a strong sensation on the 1st day when I bought my very first share back in September 2013.
I must admit that there are still plenty of knowledge to be learnt in investing after almost 4 years of investing experiences.

Despite of most elderly who have bad image towards buying shares due to two very dramatic economic crisis back in 1998 and 2008. A lot of people burnt their hands and end up with bankruptcy or even worse, committed suicide. It happens worst in Hong Kong.

Today, the investing systems has became much easier, and safer. Thanks to few investing policies and technological advance. As I say so is because, there are limits in buying shares and you can buy shares just with a click on your smart phone (without the need to call remisier). Hence, today's information is more accessible and transparent for all.

My understanding about investing in share market is to become a shareholder or an investor in the listed company, although the portion of holding shares is really insignificant. I realise that it could bring me happiness and excitement when the company has growing financial results despite of its share prices. In response to the excitement, I believe that was the sense of achievement by being one of the "boss" indirectly in the company. I will never forget Tambun and Homeriz. These 2 companies were the very first two companies I bought. The profit margin was really promising. There I began to invest more.

In the past 3 and half years of investing, I went through good and bad moments, Ups and Downs.
Some share I bought performing really well, some of them, really suck out my bloods. Frankly, most of the losing counter, were those I bought with rumours and recommendation from these "sifu". Most of the time, I lost pretty badly with my greediness.

There are tons of investment books, articles and some so called "sifu" in the social media. However, most of them were really unprofessional and always encourage their follows based on their self interest (most of them, not all). Majority of them were using similar Financial Analysis (FA) to analyse the company.

I was pretty "noob" the day back in 2014 and 2015. Looking at those Annual Report and most of the time end up with confusion and a lot of question-mark.  However, in mid of 2015, I began my journey in Master of Business Administration (MBA). I'm fortune to say that this program has covered Financial Analysis, and for the first time, I met a really good FA professor who guide us how to calculate all types of financial ratios and understanding on the financial outcome tabulated by the accountants.

Today, the full cost of the MBA course has covered by the profits I made in investment. I'm absolutely grateful to the achievements and really wanted to write down some of my investing philosophy in the little page, because I think it means something to me. Unless most of my previous losing investment, now, there are five rules before I decide to invest on any company, and like what Warren Buffet said, Patience is Virtue, Never Break your Rules.

1) The company must has positive financial result (earning money). Not just that, it must have growing momentum in profits. The management must have good future plans to boost the sales so that the company's profits raise with time. This rule is the very first rule out of the five rules, it's very risky investing in company that consistently losing money.

2) The company must pay yearly dividend that exceed the interest paid by fixed deposit (3.5?). I'm not sure what's the fixed deposit rate at this point. but it hardly exceed 4%. With that on mind, the company must pay more than 3.5% dividend yearly and consistently. A company without profits will not pay dividend, so when rule one has failed, rule 2 fails too. The reason for rule 2 is that a dividend paying company is a company that values their shareholders. Most importantly, even that the share price has remaining same, you will get your interest too simply by holding the shares of the company.

3) The business of the company. I will as well understand the business nature of the company. Type of business and future prospect of the business. This implies your business sense toward the business industry. The key questions to myself are, is this business sustainable? or do they have demand in future due to increased competition rivalry and digitalis-ed world that we living in?  Are they having competitive advantage towards their competitors?  These are really hard to decide without business sense, however, by deep understanding the business sustainability, you always can choose the a good industry to invest in.

4) The current PESTEL your country. The external factors can be derived from PESTEL: Political, Economic, Social, Technological, Environmental and Legal.  Before investing, I also look at the "timing" and current situation of my surrounding,  there are really a lot of aspects, and most of the time, we can't really make a good analysis report out of it, at least not for individual casual investor like me. However, we can still look at newspaper, articles from politicians and latest economic updates from any sources we get. By obtaining a bigger picture on the world, you position yourself at a better place. By experience, most investors always frustrated when the good company has consistently declining share price due to unknown reasons/ bad market sentiments. That's the time you really need to jump out from the share market despite of the FA.

5) The share price is NOT over priced. After the above rules, the last rule is that YOU DON'T buy shares that's over priced! This is really one of the most difficult part of it. As Warren Buffet will say: "that's the trick of it". So, a good company might as well over-ed price even though they pay good dividends and business is really sustainable such as Digi and Maxis. A company that's over price or has no much momentum, that's not a choice of investing too, because there's no point to buy a product that cost more than it's price. COMMON SENSE? There are few methods or really a lot of them to calculate the fair price for the share, the correct word to use is "Intrinsic Value" (IV) of the company. Depending on the business nature, the methods of calculating the IV is totally different.

I'm still considering myself as a beginner, there are plenty of knowledge to be learnt. I'm also putting little portion of the capital into rumours shares (a company that doesn't fulfil any rules). Honestly, sometimes it makes more money than all my other shares, or I also can end up losing really high percentage of profits out of it when I bought it at bad timing. BUT the rumours share will never exceed 10% of my total investments.

There are many investing activities outside the world, while I have chosen to invest in share market, because I love the transparency of it (touchable, observable). Sometimes, I felt really good seeing the Pavallion 2 is in a fast progression of completing at Bukit Jalil. or I felt like saying thank you to the over-crowded customer buying shirts at Padini. That's simply funny and I kept it in myself.

Investment is fun, it's not just FA related, it's also business related, external factors related, and many uncommon factors.
It's part of my life. I put myself in condition where I always think critically and out of the box.

In reality,

I will remain really humble and teachable.
I know there are plenty of things that I don't know.
and I always wanted to know more.

Not just in economic,
In health, In family, In business and more.

Let this piece of memory
be a good one in my late 20s.

生活的意义

刚看了一本书，谈到生活的成败关键在于性格，
性格就像是我们每个人的骨髓一样，
我们言行一举都是依照着性格起步，
而骨髓以外的就是神经，肌肉，骨骼，等
它们也相等于我们学历，智商，努力，等
也就是说，其实我们生活上的一切都是从性格开始的
其他的能力，其实都是为自己性格而慢慢培养。

这点，其实我赞同。
性格决定生活一切，有了性格，
生活自然就是一种态度，每个人都有自己想要的生活，
我们都渐渐的倾向做着自己享受做的事情，活着适合自己的生活。
 每个人的生活里都不一样，有的简单，有的刺激，有的冒险，有的安稳，
这些生活里的细节，有反应出我们的内心性格。

而看完这本书后，我问了自己，那我到底属于那种性格，
为什么还要坚持来到这里，用着自己的母语把自己想法，领悟和点滴写下来，
坦白说，现在生活忙碌，很多90年代的人都已经不再那么自由自在，
而部落格这玩意，已经被用来宣传作用了，
像我那样痴情的，那生活点滴写下真的少之又少。

而能让我坚持这份心意的起点，
原来和我性格有关，也是一种坚持和目标。
我是一个坚持的人，要做的事不会有约束。
不知何时，我看了一个文章，说到如何做一个真正在生活的人，
里面其中一个重点说到了写作的习惯，
一个爱写作的人，思想独立，有看法，有辨识能力，
因为写作时，我不断反思过去，计划将来，
这让我不会活在舒适全套里，满满被世界一切的理所当然给埋没了。

坚持一月一章，这是对自己的承若。
哪怕只是自己在看，自己在笑。
坚持就是坚持。

17岁那年，我离开中学后，才开始认识了世界。
在大学日子里，我才发现自己英文那么差劲，
我教授说到，要学好英文，一定要多听，多看，多讲。
我曾经FM播到都在听英文，报纸也读英文，
常常自己一人独自朗读英文。
有时真的不知道在中学5年里，除了上课补习，
自己还做了什么。

坚持和自信的生活，让我对自己也很有要求，
我学习吉他，我学习拍摄，我写作，我开始简单自造电影，我学习英文讲话能力，
我进修生意管理，我学习投资，我坚持运动，也坚持多思考，过去和未来。
我了解大马政治体系。
平时多看，多听，
我知道我懂的东西真的太少了，

而我要学习的，懂得东西实在太多了，
虽然有点耽误了时间，只要我不断学习，
相信还不算太迟。

27岁，
离开中学10年了，
有的朋友已经成功，
有的比以前更堕落，
大部分都在为生活奋斗着，
而，我也了解到，
读书厉害的，不一定生活成功。
读书不强的，也未必失败。

每个人都有自己性格，
它会满满把你拉向一个生活模式。
这世纪，科技发达，
有人说人类冷血无情，
有人说人类忘了思考，
有人说人类已经迷惑在里头，

而我认为，
这科技发达的时代，正合我意。
我要好好利用这时代的设备，
让自己更强大，思想更阔野，
然后活着一个简单的，充满爱的生活里。


这是我性格，生活态度，
也是我生活的意义。