The document provides a summary of key financial information for several Malaysian companies for various quarters ending between September 2008 and December 2008. It includes revenue, profit before tax, profit for the period, earnings per share, proposed dividends, and net assets per share for each company. The companies reported increased revenue, profits, and net assets compared to the corresponding periods of the previous year.
1. The document outlines the agenda and goals of the Steering Committee meeting to discuss establishing a statewide infrastructure and regional networks to support student success, especially for underprepared students, at California community colleges.
2. The goals are to create a statewide coordinating center and regional networks to promote effective practices, develop campus leaders, and improve outcomes for underrepresented students through professional development and collaborative evaluation.
3. Activities will include a leadership institute, workshops, developing models of effective practice, and engaging policymakers to adopt policies supporting innovative teaching methods and student success.
Ski Dubai is an indoor ski slope located in Dubai, United Arab Emirates. It is located in the middle of the desert and has slopes made of manufactured snow that remain all year round. The slopes include green, blue, red and black runs served by chairlifts and tow lifts. Professional instructors are available to teach skiing and snowboarding. Restaurants and retail shops are also available on site. The ski slope provides an option for recreation during Dubai's hot summers when temperatures exceed 40C.
Is It Possible For An Equity Fund Price To Be Zero - 7 Mar 2009Peter Lim
The document discusses whether it is possible for an equity fund's price to reach zero. It analyzes the financials of a hypothetical company to show that at a low enough share price, the company would be a good investment, as its assets exceed its liabilities. It then notes that while a share of a struggling individual company could become worthless, it is very rare for a well-established company's shares to lose all value. Therefore, a diversified equity fund that does not take on debt is highly unlikely to ever have a price of zero, as the companies it invests in will still hold tangible assets and value even if their shares decline significantly.
Why Average Investors Earn Below Average Market Returns?Peter Lim
Investor behavior causes average investors to earn below-average market returns. Studies show investors tend to buy high and sell low by pouring money into mutual funds when the market rises and pulling it out when it falls. This causes their returns to be substantially less than the actual market returns of around 12% annually. Investors overreact to good and bad news due to emotional decision-making. However, taking a disciplined, long-term approach by ignoring emotions and not reacting to short-term market changes can help investors achieve higher returns over the long run.
The document defines and explains the price to earnings (P/E) ratio, which is the price of a stock divided by its earnings per share. It provides an example comparing the P/E ratios of two companies, Widget and Gizmo, based on past and projected earnings. However, it cautions that P/E ratios of individual stocks can be misleading because past earnings and projections may not accurately predict the future. P/E ratios may be more useful for evaluating the overall stock market valuation and identifying when the market as a whole is overvalued or undervalued.
The document provides a summary of key financial information for several Malaysian companies for various quarters ending between September 2008 and December 2008. It includes revenue, profit before tax, profit for the period, earnings per share, proposed dividends, and net assets per share for each company. The companies reported increased revenue, profits, and net assets compared to the corresponding periods of the previous year.
1. The document outlines the agenda and goals of the Steering Committee meeting to discuss establishing a statewide infrastructure and regional networks to support student success, especially for underprepared students, at California community colleges.
2. The goals are to create a statewide coordinating center and regional networks to promote effective practices, develop campus leaders, and improve outcomes for underrepresented students through professional development and collaborative evaluation.
3. Activities will include a leadership institute, workshops, developing models of effective practice, and engaging policymakers to adopt policies supporting innovative teaching methods and student success.
Ski Dubai is an indoor ski slope located in Dubai, United Arab Emirates. It is located in the middle of the desert and has slopes made of manufactured snow that remain all year round. The slopes include green, blue, red and black runs served by chairlifts and tow lifts. Professional instructors are available to teach skiing and snowboarding. Restaurants and retail shops are also available on site. The ski slope provides an option for recreation during Dubai's hot summers when temperatures exceed 40C.
Is It Possible For An Equity Fund Price To Be Zero - 7 Mar 2009Peter Lim
The document discusses whether it is possible for an equity fund's price to reach zero. It analyzes the financials of a hypothetical company to show that at a low enough share price, the company would be a good investment, as its assets exceed its liabilities. It then notes that while a share of a struggling individual company could become worthless, it is very rare for a well-established company's shares to lose all value. Therefore, a diversified equity fund that does not take on debt is highly unlikely to ever have a price of zero, as the companies it invests in will still hold tangible assets and value even if their shares decline significantly.
Why Average Investors Earn Below Average Market Returns?Peter Lim
Investor behavior causes average investors to earn below-average market returns. Studies show investors tend to buy high and sell low by pouring money into mutual funds when the market rises and pulling it out when it falls. This causes their returns to be substantially less than the actual market returns of around 12% annually. Investors overreact to good and bad news due to emotional decision-making. However, taking a disciplined, long-term approach by ignoring emotions and not reacting to short-term market changes can help investors achieve higher returns over the long run.
The document defines and explains the price to earnings (P/E) ratio, which is the price of a stock divided by its earnings per share. It provides an example comparing the P/E ratios of two companies, Widget and Gizmo, based on past and projected earnings. However, it cautions that P/E ratios of individual stocks can be misleading because past earnings and projections may not accurately predict the future. P/E ratios may be more useful for evaluating the overall stock market valuation and identifying when the market as a whole is overvalued or undervalued.
Sound Investing In Global Financial Crisis - 6th Dec 2008Peter Lim
The document provides lessons on sound investing based on the author Peter Lim's experience. It discusses that (1) investors should prepare by living below their means and setting aside emergency funds before investing; (2) common stocks have historically provided the highest returns over the long term though with more risk; and (3) diversification and investing for the long run through index funds reduces risk while maintaining returns for most investors.
Motivation & Goal Setting for 2009 - 3 Jan 2009Peter Lim
This document outlines Peter Lim's goals and motivation plan for 2009. His short term goal for 2009 is to qualify for an incentive trip by achieving personal sales of RM 2.5 million, recruiting 10 direct agents and 30 indirect agents, and achieving group sales of RM 10 million. To achieve this, he plans to see 10 people per week for sales, 5 agents/prospects per week for recruitment, organize recruitment events every 2 months, conduct biweekly training, and hold seminars every 3 months. His long term 7 year goal is to earn RM 20,000 in passive income by January 2015 in order to be a full time father and part time consultant.
How To Assure Your Return In Equity Will Be Better Than FD - 3rd Jan 2009Peter Lim
The document discusses how investing in an equity fund can provide better returns than fixed deposits. It analyzes the historical performance of a Malaysian public index fund (PIX) over various time periods and under different rules:
1) Investing for the medium to long term (3 years or more) reduces the risk of losses and increases average returns compared to shorter periods.
2) Avoiding overpaying by only investing when the P/E ratio is below 18 improves performance over 3 and 5 year periods.
3) Not underselling when the P/E ratio is above 16 also leads to better returns.
Following all three rules means there is a 0% chance of losses over 3 and 5 year periods
How You Can Earn Rm 5k Per Month - 20 Sep 2008Peter Lim
This document outlines how an individual can earn a consistent monthly income of RM 5,000 (approximately $1,200 USD) within 3 years working in Public Mutual, a Malaysian investment management company. It describes the two main categories of income as one-time commissions from single investments and continuous monthly income from ongoing investment plans. Specifically, it provides calculations to show how an agency supervisor could achieve RM 5,000 per month through a combination of new cash and EPF (retirement fund) direct debit investment plans each month, along with lump sum investments, growing their assets under management to RM 5 million over the 3 year period. Alternative scenarios are also briefly discussed.
Investing Using PE by Justin Khoo - 16 August 2008Peter Lim
The document discusses using the price-to-earnings (P/E) ratio to evaluate investments in uncertain market conditions. It provides an example of how the P/E ratio is calculated for a company and explains that the local stock market is currently trading at a P/E ratio that is discounted compared to its historical average. It also suggests that investors could use the P/E ratio to determine when to buy low and sell high by rebalancing their portfolio between bonds and equities depending on risk tolerance and the current P/E levels.
Optimizing Your Housing Loans - 31 May 2008Peter Lim
This document provides information about optimizing housing loans, including:
1) It compares two loan packages with different interest rates and terms to show which has a lower total cost.
2) It explains how to calculate interest charged on loans, whether it's daily or monthly, and how that affects monthly installments.
3) It provides current interest rate discounts from Public Bank for housing loans based on loan amount.
4) It presents a real case study of a client saving money by refinancing their loan.
Introduction
Mantra Yoga is an exact science. "Mananat trayate iti mantrah- by the Manana (constant thinking or recollection) of which one is protected or is released from the round of births and deaths, is Mantra." That is called Mantra by the meditation (Manana) on which the Jiva or the individual soul attains freedom from sin, enjoyment in heaven and final liberation, and by the aid of which it attains in full the fourfold fruit (Chaturvarga), i.e., Dharma, Artha, Kama and Moksha. A Mantra is so called because it is achieved by the mental process.
The Book of Revelation, filled with symbolic and apocalyptic imagery, presents one of its most striking visions in Revelation 9:3-12—the locust army. Understanding the significance of this locust army provides insight into the broader themes of divine judgment, protection, and the ultimate triumph of God’s will as depicted in Revelation.
Tales of This and Another Life - Chapters.pdfMashaL38
This book is one of the best of the translated ones, for it has a warning character for all those who find themselves in the experience of material life. Irmão X provides a shrewd way of describing the subtleties and weaknesses that can jeopardize our intentions, making us more attentive and vigilant by providing us with his wise pages, reminding us between the lines of the Master's words: "Pray and watch."
The Power of Actions Slideshow by: Kal-elKal-el Shows
This message, “The Power of Actions”, emphasizes just how powerful moving actions are and gives us strong actions of advice as to how we use to do with actions.
ACTIONS is EVERYTHING! They bless or they curse, lift up or known down,
embrace it or unbrace it!
taittreya upanishad - tradition of yoga and Upanishads, this concept of panch...Karuna Yoga Vidya Peetham
In his search towards reality or the unchanging fundamental unit of this universe, a scientist started with the external gross world of solid matter which is simple and easy to see, divide, and do experiments with.
This search led him through steps of understanding of this entire world of matter starting from elements, molecules, atoms, protons, neutrons and electrons;
He further understood that it is all packets of energy.
The atoms conglomerate together to form various chemicals; our body is therefore a permutation and combination of various chemicals. (Packets of energy in various configurations) When they join together they form molecules, cells, tissues organs, etc.
These follow certain well defined laws of nature and are controlled by nervous (electrical) and chemical (hormones) mechanisms to bring about movement and action in each and every cell.
Thus annamaya kosha is the physical frame which the grossest of the five Koshas.
Sound Investing In Global Financial Crisis - 6th Dec 2008Peter Lim
The document provides lessons on sound investing based on the author Peter Lim's experience. It discusses that (1) investors should prepare by living below their means and setting aside emergency funds before investing; (2) common stocks have historically provided the highest returns over the long term though with more risk; and (3) diversification and investing for the long run through index funds reduces risk while maintaining returns for most investors.
Motivation & Goal Setting for 2009 - 3 Jan 2009Peter Lim
This document outlines Peter Lim's goals and motivation plan for 2009. His short term goal for 2009 is to qualify for an incentive trip by achieving personal sales of RM 2.5 million, recruiting 10 direct agents and 30 indirect agents, and achieving group sales of RM 10 million. To achieve this, he plans to see 10 people per week for sales, 5 agents/prospects per week for recruitment, organize recruitment events every 2 months, conduct biweekly training, and hold seminars every 3 months. His long term 7 year goal is to earn RM 20,000 in passive income by January 2015 in order to be a full time father and part time consultant.
How To Assure Your Return In Equity Will Be Better Than FD - 3rd Jan 2009Peter Lim
The document discusses how investing in an equity fund can provide better returns than fixed deposits. It analyzes the historical performance of a Malaysian public index fund (PIX) over various time periods and under different rules:
1) Investing for the medium to long term (3 years or more) reduces the risk of losses and increases average returns compared to shorter periods.
2) Avoiding overpaying by only investing when the P/E ratio is below 18 improves performance over 3 and 5 year periods.
3) Not underselling when the P/E ratio is above 16 also leads to better returns.
Following all three rules means there is a 0% chance of losses over 3 and 5 year periods
How You Can Earn Rm 5k Per Month - 20 Sep 2008Peter Lim
This document outlines how an individual can earn a consistent monthly income of RM 5,000 (approximately $1,200 USD) within 3 years working in Public Mutual, a Malaysian investment management company. It describes the two main categories of income as one-time commissions from single investments and continuous monthly income from ongoing investment plans. Specifically, it provides calculations to show how an agency supervisor could achieve RM 5,000 per month through a combination of new cash and EPF (retirement fund) direct debit investment plans each month, along with lump sum investments, growing their assets under management to RM 5 million over the 3 year period. Alternative scenarios are also briefly discussed.
Investing Using PE by Justin Khoo - 16 August 2008Peter Lim
The document discusses using the price-to-earnings (P/E) ratio to evaluate investments in uncertain market conditions. It provides an example of how the P/E ratio is calculated for a company and explains that the local stock market is currently trading at a P/E ratio that is discounted compared to its historical average. It also suggests that investors could use the P/E ratio to determine when to buy low and sell high by rebalancing their portfolio between bonds and equities depending on risk tolerance and the current P/E levels.
Optimizing Your Housing Loans - 31 May 2008Peter Lim
This document provides information about optimizing housing loans, including:
1) It compares two loan packages with different interest rates and terms to show which has a lower total cost.
2) It explains how to calculate interest charged on loans, whether it's daily or monthly, and how that affects monthly installments.
3) It provides current interest rate discounts from Public Bank for housing loans based on loan amount.
4) It presents a real case study of a client saving money by refinancing their loan.
Introduction
Mantra Yoga is an exact science. "Mananat trayate iti mantrah- by the Manana (constant thinking or recollection) of which one is protected or is released from the round of births and deaths, is Mantra." That is called Mantra by the meditation (Manana) on which the Jiva or the individual soul attains freedom from sin, enjoyment in heaven and final liberation, and by the aid of which it attains in full the fourfold fruit (Chaturvarga), i.e., Dharma, Artha, Kama and Moksha. A Mantra is so called because it is achieved by the mental process.
The Book of Revelation, filled with symbolic and apocalyptic imagery, presents one of its most striking visions in Revelation 9:3-12—the locust army. Understanding the significance of this locust army provides insight into the broader themes of divine judgment, protection, and the ultimate triumph of God’s will as depicted in Revelation.
Tales of This and Another Life - Chapters.pdfMashaL38
This book is one of the best of the translated ones, for it has a warning character for all those who find themselves in the experience of material life. Irmão X provides a shrewd way of describing the subtleties and weaknesses that can jeopardize our intentions, making us more attentive and vigilant by providing us with his wise pages, reminding us between the lines of the Master's words: "Pray and watch."
The Power of Actions Slideshow by: Kal-elKal-el Shows
This message, “The Power of Actions”, emphasizes just how powerful moving actions are and gives us strong actions of advice as to how we use to do with actions.
ACTIONS is EVERYTHING! They bless or they curse, lift up or known down,
embrace it or unbrace it!
taittreya upanishad - tradition of yoga and Upanishads, this concept of panch...Karuna Yoga Vidya Peetham
In his search towards reality or the unchanging fundamental unit of this universe, a scientist started with the external gross world of solid matter which is simple and easy to see, divide, and do experiments with.
This search led him through steps of understanding of this entire world of matter starting from elements, molecules, atoms, protons, neutrons and electrons;
He further understood that it is all packets of energy.
The atoms conglomerate together to form various chemicals; our body is therefore a permutation and combination of various chemicals. (Packets of energy in various configurations) When they join together they form molecules, cells, tissues organs, etc.
These follow certain well defined laws of nature and are controlled by nervous (electrical) and chemical (hormones) mechanisms to bring about movement and action in each and every cell.
Thus annamaya kosha is the physical frame which the grossest of the five Koshas.
Lucid Dreaming: Understanding the Risks and Benefits
The ability to control one's dreams or for the dreamer to be aware that he or she is dreaming. This process, called lucid dreaming, has some potential risks as well as many fascinating benefits. However, many people are hesitant to try it initially for fear of the potential dangers. This article aims to clarify these concerns by exploring both the risks and benefits of lucid dreaming.
The Benefits of Lucid Dreaming
Lucid dreaming allows a person to take control of their dream world, helping them overcome their fears and eliminate nightmares. This technique is particularly useful for mental health. By taking control of their dreams, individuals can face challenging scenarios in a controlled environment, which can help reduce anxiety and increase self-confidence.
Addressing Common Concerns
Physical Harm in Dreams Lucid dreaming is fundamentally safe. In a lucid dream, everything is a creation of your mind. Therefore, nothing in the dream can physically harm you. Despite the vividness and realness of the dream experience, it remains entirely within your mental landscape, posing no physical danger.
Mental Health Risks Concerns about developing PTSD or other mental illnesses from lucid dreaming are unfounded. As soon as you wake up, it's clear that the events experienced in the dream were not real. On the contrary, lucid dreaming is often seen as a therapeutic tool for conditions like PTSD, as it allows individuals to reframe and manage their thoughts.
Potential Risks of Lucid Dreaming
While generally safe, lucid dreaming does come with a few risks as well:
Mixing Dream Memories with Reality Long-term lucid dreamers might occasionally confuse dream memories with real ones, creating false memories. This issue is rare and preventable by maintaining a dream journal and avoiding lucid dreaming about real-life people or places too frequently.
Escapism Using lucid dreaming to escape reality can be problematic if it interferes with your daily life. While it is sometimes beneficial to escape and relieve the stress of reality, relying on lucid dreaming for happiness can hinder personal growth and productivity.
Feeling Tired After Lucid Dreaming Some people report feeling tired after lucid dreaming. This tiredness is not due to the dreams themselves but often results from not getting enough sleep or using techniques that disrupt sleep patterns. Taking breaks and ensuring adequate sleep can prevent this.
Mental Exhaustion Lucid dreaming can be mentally taxing if practiced excessively without breaks. It’s important to balance lucid dreaming with regular sleep to avoid mental fatigue.
Lucid dreaming is safe and beneficial if done with caution. It has many benefits, such as overcoming fear and improving mental health, and minimal risks. There are many resources and tutorials available for those interested in trying it.
Astronism, Cosmism and Cosmodeism: the space religions espousing the doctrine...Cometan
This lecture created by Brandon Taylorian (aka Cometan) specially for the CESNUR Conference held Bordeaux in June 2024 provides a brief introduction to the legacy of religious and philosophical thought that Astronism emerges from, namely the discourse on transcension started assuredly by the Cosmists in Russia in the mid-to-late nineteenth century and then carried on and developed by Mordecai Nessyahu in Cosmodeism in the twentieth century. Cometan also then provides some detail on his story in founding Astronism in the early twenty-first century from 2013 along with details on the central Astronist doctrine of transcension. Finally, the lecture concludes with some contributions made by space religions and space philosophy and their influences on various cultural facets in art, literature and film.
The Revelation Chapter 7 Working Copy.docxFred Gosnell
John witnesses the sealing of God's 144,000 witnesses, and he hears the crying out or shouting of an unnumbered multitude of those who have been saved during the great tribulation.
This is an intermission scene before opening the seventh seal. We have seen six seals opened revealing of the events that would shortly occur. The first 4 reveal what was to occur in the great tribulation during the destruction of Jerusalem by the Romans in AD70.
The fifth seal reveals the question from those slain as to when the Lord would avenge their death. The sixth seal reveals the answer to them from the One on the throne and of the Lamb which would be the punishment of their persecutors and accomplices. John sees four messengers/angels holding back the four winds of the earth & keeping them from blowing on the earth, the sea or any tree. In this figurative language, these are not heavenly messengers/angels. These represent those who are trying to restrain the word of God everywhere. Their efforts are restrained by the messenger in verse 2, preventing them from holding back the 4 winds, the spread of the gospel of Christ by His messengers/angels. These 4 winds stand on the four corners of the earth, Rome’s worldwide influence to stop its spread. But the gospel will be preached in all the earth. See the study for the Bible passages that support this. John hears the commands given relating to the sealing of the servants of God and the figurative number representing them. John sees a great multitude standing before the throne of all nations and kindreds and people and tongues who are clothed with white robes. All the messengers/angels stood around the throne and the elders and the four beasts fell before the throne and worshipped God. One of the elders asks John what those were that were wearing white robes. John said he knew and the elder identifies them. The chapter ends with his explanation.
4. Top Ranking Improver for August 2008 6 45 39 MUNIRA BINTI ADNAN 6 21 15 EUGENE LEE TENG CHYE 15 50 35 THO MUN YI 15 26 11 KOAY KEAT SIANG 23 54 31 ALAN YEAP JIN TEONG Changes Previous Month Current Month Agent Name
5.
6. Top 10 YTD RM75,400.00 SHIM SZE MUI 10 RM114,500.00 KHOO BOON HOE 9 RM125,383.90 KIEW HWEE CHING 8 RM135,632.13 CHEAH CHEONG KOON 7 RM168,963.14 LEE TUCK SENG 6 RM186,895.00 CHEE CHOON SENG 5 RM199,600.00 CHONG LEE CHIA 4 RM207,600.00 TEOH CHENG EAN 3 RM251,834.97 WONG JUEN LEONG 2 RM292,327.91 KHOO TENG IU 1