Singapore's second-largest developer announced last week that it plans to sell $1 billion of Islamic multi-currency medium-term notes, arranged by Malaysian bank CIMB. The deal will be Singapore's first Islamic unsecured financing arrangement.

CIMB Group is listed on the Malaysian stock exchange through Bumiputra-Commerce Holdings.

'We hope to do the first tranche before year-end, subject to market conditions,' CityDev's chief financial officer Goh Ann Nee said at a briefing yesterday.

CityDev said that it has not decided on the size or the coupon rate of the first tranche of notes. But management has indicated that the rates will be competitive and that it expects to see good institutional demand.

CityDev will use the funds to buy land or buildings, and has said that it will inject its own properties, freeing funds for new investments.

Islamic financing will allow CityDev to tap a broader base of investors, says managing director Kwek Leng Joo.

'Many are curious why City Developments is enhancing its war chest,' Mr Kwek said. 'We always believe that in the midst of any economic slowdown there are tremendous opportunities.'

CityDev did not say which markets it is interested in. But management has guided that it will look at distressed assets in the region, including Vietnam, China, the Middle-East and Russia, CIMB analyst Donald Chua said in a note yesterday.

'Given restrictions on the use of syariah/Islamic products, we believe proceeds will be used for investments primarily in residential property and commercial (office) investments,' he added.

CIMB Investment Bank head of debt capital markets Thomas Meow said that the bank has been in discussions with other Singapore firms to set up syariah-compliant financing.

Vince Cook, chief executive of DBS unit Islamic Bank of Asia, told Reuters: 'Given the ongoing difficult conventional market conditions, it is not surprising that issuers are looking at ways to open up new pools of investors.'

CityDev shares gained six cents to close at $10.20 yesterday.

Source : Business Times - 22 Aug 2008

City Developments hopes to have the first tranche of the issue on the market by the end of the year, the company said. CIMB is lead manager for the issue.

The signing followed the announcement last week by City Developments that it planned the unsecured Islamic bond offering.

'This is the first Islamic unsecured financing transaction of its kind in Singapore,' said Mr Kwek Leng Joo, City Developments managing director.

The city-state has been trying to grow its share of the Islamic finance market.

He said the Islamic bond offering will boost City Developments' coffers and enable it to tap opportunities during an emerging global economic slowdown.

'We always believe that in the midst of any economic slowdown, there are tremendous opportunities to explore and take advantage of,' Mr Kwek said.

City Developments is one of Singapore's leading property developers and also has interests in hotels.

Islamic banking fuses principles of sharia, or Islamic law, and modern banking. Islamic funds are banned from investing in companies associated with tobacco, alcohol or gambling, considered taboo by Muslims.

According to CIMB, the Islamic bond market is holding up despite global economic woes.

'It is holding up quite well considering that it is a new market and people are still hungry for assets and the demand is still very much there for any issue whenever they come to market. They will take it up,' said Mr Badlisyah Abdul Ghani, chief executive officer of CIMB Islamic Bank Berhad.

Muslim-dominated Malaysia has the world's largest Islamic bond market, accounting for about 66 percent of total Islamic bonds issued worldwide in 2007, figures from CIMB showed.

The global market for sukuk - the Islamic equivalent of bonds - could top 100 billion US dollars (S$140 billion) in the next few years after exceeding 60 billion dollars last year, credit ratings firm Standard and Poor's said in March. -- AFP

Source : Straits Times - 21 Aug 2008

'We hope to do the first tranche before year-end, subject to market conditions,' CityDev CFO Goh Ann Nee told journalists at a briefing.

CityDev last week announced that it was planning to sell $1 billion in sharia-compliant debt arranged by Malaysian lender CIMB, in what would be Singapore's first Islamic unsecured financing arrangement and aimed at tapping new markets.

CIMB Bank is part of CIMB Group which is listed on the Malaysian stock exchange through Bumiputra Commerce Holdings . -- REUTERS

Source : Business Times - 21 Aug 2008

CityDev, Southeast Asia's second-biggest property developer by market value, had said it would sell S$1 billion of sharia-compliant debt, in what would be Singapore's first Islamic unsecured financing arrangement aimed at tapping new markets.

Badlisyah Abdul Ghani, chief executive of CIMB Islamic Bank, said the deal would be formally announced on Thursday.

CIMB Bank is part of CIMB Group which is listed on the Malaysian stock exchange through Bumiputra-Commerce Holdings.

Source : Business Times - 20 Aug 2008

• CIMB will bank on its innovative products to achieve its deposit growth of 25% this year by targeting specific segments of the market. This is vital to attract customers given a period of uncertainty.
  
• To start this up, the bank launched a campaign yesterday to enable customers to win prizes and allow them to save and invest at the same time.
  
• The campaign, which runs from Aug 1 to Dec 31, will have five monthly winners, each receiving RM500 a month over 15 years, to pay telephone bills, electricity bills, holidays, groceries and petrol respectively. The grand prize winner will walk away with a fixed annuity of RM2,000 a month for 15 years. Participation in deposit savings or banking transactions with the bank will give customers an entry to the contest.

KUALA LUMPUR: CIMB Bank Bhd is focusing more on innovative products targeting specific segments of the market to achieve its deposit growth of 25% this year, says retail banking head Peter England.

"For us, the number of products that we can introduce is not important - it is whether the products can suit the clients or not," he said after launching the bank's Save and Invest Campaign yesterday.

Given the current situation of market uncertainty, England said this was a good time for people to save and invest, as lots of attractive products were available in the market.

"For that, banks need to be more innovative to attract customers as they become more careful now when investing. Given the current situation, it's going to be a challenge for the banking sector to come out with products that are attractive enough," he said.

Peter England (left) and CIMB Islamic Bank Bhd executive director/chief executive officer Badlisyah Abdul Ghani launching the campaign

On Bank Negara's move to maintain the overnight policy rate (OPR) at 3.5%, he said it was a wise decision.

"I think the move to maintain the OPR is a very good decision not just for the economy but also for the people. So far, there is no change in our loans growth and (the statement has) also not affected our existing customers," England said.

He said the campaign launched yesterday would not only enable customers to win prizes but also allowed them to save and invest.

"It also rewards them with (cash) prizes to help manage today's rising cost of living. The more a customer saves and invests, the higher his or her chances of winning," he said.

The campaign, which runs from Aug 1 to Dec 31, will have five monthly winners, each receiving RM500 a month over 15 years, to pay telephone bills, electricity bills, holidays, groceries and petrol respectively.

The grand prize winner will walk away with a fixed annuity of RM2,000 a month for 15 years. Both new and existing customers of CIMB Bank and CIMB Islamic can participate in the campaign.

Customers who want to participate in this campaign need to add RM100 into his existing bank account, which will give him one entry. Similarly, every RM100 invested in unit trusts and structured products constitutes another entry.

"Each housing loan, business premise loan, share margin financing and personal loan approved during this five-month period represents 50 entries. So, the more transactions, the higher chances of winning," England said.

CIMB Bank is the commercial banking arm of CIMB Group while CIMB Islamic is the group's global Islamic banking and finance franchise.

Source: thestar.com.my

Mark your calendars for Perfect Livin' 08 to be held in the KLCC Convention Centre from 7-10 August. Perfect Livin' 08 is a home and lifestyle exhibition which will feature home and interior design concepts and products and I'm hoping that there will be great deals and steals for its visitors.

The organisers have split the expo into logical categories such as home appliances, furniture, kitchen solutions, garden, bath and others. As usual, there'll be prizes and gifts to be won (I'm never one of them so I'm not fussed about this really). Here's an added bonus- if you bank with CIMB, then you'll be entitled to the privileges below:

Unfortunately, I won't have a chance to visit this fair as my company's annual trip is scheduled for that same weekend. A recap of the details of the fair:

Enquiries? Contact the organisers at 603 8075 7375

Image source: www.perfectlivin.com

perniagaan prepaid

Jual Topup Rm10 Untung 50sen!!

perniagaan prepaid murah

Sekiranya anda adalah peniaga(kecil/sederhana) yang HANYA FOKUS KEPADA MAXIS/CELCOM maka inilah masanya untuk anda dptkan keistimewaan. DAN keuntungan prepaid adalah seperti berikut :

perniagaan prepaid murah

MAXIS ELOAD RM3.00 - RM9.00 = 3%

MAXIS ELOAD RM10.00 keatas = 4%

CELCOM ELOAD RM3.00 - RM9.00 = 4%

CELCOM ELOAD RM10.00 keatas = 5%

DIGI PIN RM10 = RM10.00

ITALK PIN RM10 = RM9.10

perniagaan prepaid murah

Kepada sesiapa sahaja yang berminat untuk memulakan bisnes topup secara kecil-kecilan atau sederhana mahupun besar-besaran, inilah peluang untuk anda. Sertailah kami.

Sistem beroperasi 24 jam sehari. Bukan MLM. Income Real Time. Tak perlu menaja, Tak perlu maintain jualan dan Tak perlu Upgrade keahlian untuk mendapatkan keistimewaan ini..

perniagaan prepaid murah

Contoh Produk

Celcom Rm 3.00, Harga Ahli : RM 2.88, Keuntungan : Rm 0.12

Celcom Rm 5.00, Harga Ahli : RM 4.80, Keuntungan : Rm 0.20

Celcom Rm 10.00, Harga Ahli : RM 9.50, Keuntungan : Rm 0.50

Maxis Rm 10.00, Harga Ahli : RM 9.60, Keuntungan : Rm 0.40

Celcom Rm 30.00, Harga Ahli : RM 28.50, Keuntungan : Rm 1.50

Maxis Rm 50.00, Harga Ahli : RM 48.00, Keuntungan : Rm 2.00

Celcom Rm 100.00, Harga Ahli : RM 95.00, Keuntungan : Rm 5.00

DIGI Pin Rm10, Harga Ahli : RM 10.00, Keuntungan : Rm 0.00

Italk Pin Rm10, Harga Ahli : RM 9.10, Keuntungan : Rm 0.90

perniagaan prepaid

*Tiada Caj sms dari server.

perniagaan prepaid

Anda boleh mendaftarkan no anda samada yang menggunakan Prepaid atau Pospaid. Server cantik. Servis 24jam(bukan waktu ofis sahaja). Reload serta merta(Autoreload). Tiada Caj Tambahan dan Tiada Syarat-Syarat Dikenakan. Tiada sewa bulanan/yuran tahunan. Tanpa risiko double reload (transaksi sama berulangkali disebabkan kecuaian). Perkhidmatan BUKAN berbentuk M.L.M @ SISTEM PIRAMID.

Tips paling penting memulakan perniagaan prepaid..

Jika anda ingin menjual topup prepaid, carilah hasil jualan yang PALING UNTUNG! Cuba cari, company manakah yang dapat memberikan keuntungan jualan Rm10.00 Celcom dengan untung bersih 50sen??

Pernah dengar Mymode, Mobile Wallet, Mastereload, Money Mobile, atau Rajaprepaid?
Ya, mereka adalah syarikat yang sama menjalankan bisnes reload prepaid menggunakan SMS. Tetapi yang membezakan kami adalah keuntungan jualan yang paling tinggi berbanding mereka. Sertailah kami di EZYRELOAD sekarang.
Cubalah, anda pasti berpuas hati.

Well, Dari pembelian topup RM10, anda mungkin hanya akan dapat 50 sen. Tetapi lihatlah pada faedah lain yang anda bakal perolehi. Tak perlu start motor pergi kedai nak beli topup... Tak perlu ke hulu ke hilir cari kedai yg bukak pukul 12 malam bila time emergency.. Dan lagi, selama bertahun-tahun sebelum ini anda membeli topup di kedai, berapa ratus yang anda dapat dari tokey kedai handphone? Usahkan ratus... 20sen pun belum tentu. Nak tambah malang lagi, prepaid RM10, pun kena bayar RM10.50.

Kini..Anda boleh dapat pendapatan tambahan lagi..Cubalah, boleh jual pada rakan2 di tmpat kerja. Di pejabat, kilang, hostel atau anda boleh guna untuk topup diri sendiri dan ahli keluarga dengan harga yang lebih murah dari pasaran!

Hubungi sy segera. Call/SMS:

perniagaan prepaid murah

Ariff - 012-2652432

perniagaan prepaid murah

KOMISEN AGEN

1. Komisen Jualan Peribadi

(Personal Sale)

Setiap nilai topup yang dijual, kami akan berikan komisen terus (real time) kepada agen mengikut jenis telco seperti MAXIS 3% hingga 4% dan juga CELCOM 4% hingga 5% bergantung kepada nilai yang anda topup. Sebagai contoh : sekiranya anda menjual topup prepaid Celcom RM10.00, Komisen yang anda terima ialah 5% = RM0.50. Komisen akan dibayar terus (melalui akaun topup) kepada anda setiap kali anda melakukan transaksi topup.

Ini bermakna, sekiranya baki akaun topup anda ialah RM100 dan anda topup prepaid pelanggan dengan nilai RM10, server akan memotong RM9.50 sahaja dari nilai tersebut. Daripada transaksi itu, baki yang tinggal di dalam akaun anda ialah RM90.50. Server akan menghantar mesej kepada anda memaklumkan topup sudah berjaya dan makluman baki terkini.

2. Komisen Memperkenalkan Rakan

(Member Get Member)

Kami juga menawarkan ganjaran kepada anda yang memperkenalkan rakan untuk mendaftar sebagai agen. Insentif sebanyak RM12.00 bagi setiap seorang rakan yang berjaya anda perkenalkan dan didaftarkan sebagai agen. Apabila agen baru itu disahkan telah membuat bayaran pendaftaran, Insentif tersebut akan ditransfer terus ke dalam akaun topup anda. Anda boleh memperkenalkan seberapa ramai yang boleh.

perniagaan prepaid

PENDAFTARAN

Yuran RM60.00 (Rm13.00 dikembalikan sebagai modal permulaan)

Rujuk Company Website untuk maklumat.

perniagaan prepaid

Untuk bayaran yuran pendaftaran, sila masukkan (bank in) deposit ke akaun Maybank / CIMB samada melalui internet, ATM transfer, mesin deposit tunai atau pun di kaunter.

MAYBANK
No. A/C: 162106470859

(atas nama ARIFFUDDIN BIN JAMHARI )

*Email : casab_2080@yahoo.com.my

ATAU

CIMB BANK
No. A/C: 12780003886527

(atas nama ARIFFUDDIN BIN JAMHARI )

Hantarkan maklumat deposit yang tertera pada slip ke nombor 012-2652432

Format SMS (Untuk Pendaftaran)

Taip:
REG. Nama Ringkas. Alamat Ringkas.No H/P.Maybank atau Cimb.Jumlah.Masa Bankin.
Contoh :
REG.ARIFFUDDIN.SHAH ALAM.0122652432.MAYBANK.RM60.10.30AM

perniagaan prepaid

Hantarkan Ke 012 - 265 2432

KLIK SINI UNTUK DAFTAR

Pihak admin mengambil masa 24jam untuk mengaktifkan akaun anda dan Jika ada sebarang masalah boleh call/sms ke no 012-2652432. Setelah pendaftaran berjaya, server akan menghantar mesej pengesahan daftar berserta nombor keahlian. Selain modal permulaan Rm13.00, kami juga akan mmberikan panduan2 topup dan maklumat2 berkaitan.

Jika anda bank in lebih dari Rm60.00, contoh anda bank in Rm100, balance Rm40 + Rm13 akan di transfer kepada anda sebgai modal untuk jual Topup..Dan anda sudah boleh terus menjual topup hari ini juga!

Sekiranya berminat bolehlah hubungi saya.

perniagaan prepaid

PENAMBAHAN MODAL
perniagaan prepaid

Untuk penambahan modal lanjutan, bergantung kepada kemampuan anda. Kami menyediakan kemudahan MAYBANK & CIMB untuk anda menambah modal (bank in ATM / Internet). Untuk bayaran menambah nilai modal anda, sila masukkan (bank in) deposit terus ke akaun HQ.

Perhatian:

Setiap kali anda melakukan urusan penambahan modal (bank in), tidak kira berapa RM sekalipun, Server akan tolak 5 sen dari baki anda. Sebagai contoh: sekiranya anda bank in RM100.00, maka akan jadi RM99.95. Anda tidak perlu risau kerana kami hanya mengenakan caj 5 sen itu sahaja untuk perkhidmatan penambahan modal (bank in).

perniagaan prepaid murah

MASALAH YANG BIASA DIHADAPI OLEH AGEN

1. Pelanggan tidak menerima Topup
Perkara ini biasa terjadi disebabkan kerana, kemungkinan pelanggan memberi nombor prepaid yang salah atau anda sendiri tersilap menaip nombor prepaid pelanggan yang hendak di topup itu. Sila pastikan dengan betul nombor yang hendak di topup sebelum anda menghantar SMS tersebut. Sekiranya anda tersilap menghantar nombor prepaid, orang lainlah yang akan menerima topup itu. Anda digalakkan untuk mencatit setiap urusan topup yang anda lakukan. Ini sebagai rujukan sekiranya terjadi perkara sebegini dan sebagai bukti urusan antara pelanggan, anda dan kami.

2. Topup lambat diterima oleh pelanggan
Perkara ini mungkin juga akan terjadi disebabkan pada masa-masa tertentu kemungkinan terlalu ramai orang yang sedang topup dan system rangkaian server Maxis dan Celcom terlalu sibuk mengendali dan memproses topup.

3. Perkara lain yang mungkin terjadiSMS yang anda hantar tidak sampai ke server kami. Ini mungkin juga disebab ketika anda menghantar sms itu, tiada atau kurang liputan rangkaian. Ini juga disebabkan mungkin kerana kesibukan pengendali rangkaian yang sedang melakukan kerja-kerja maintain system rangkaian mereka. Masalah ini biasanya jarang berlaku. Setiap kali anda topup pelanggan, sila pastikan mesej yang dihantar itu betul-betul telah berjaya dihantar.(aktifkan delivery report) Sekiranya sms anda berjaya dihantar, bermakna pelanggan anda berjaya ditopup. Setelah pelanggan berjaya ditopup, anda akan menerima mesej pengesahan beserta makluman baki terkini dari server kami.

prepaid murah

'Topup Rm10 Untung 50sen'

perniagaan prepaid murah

Cubalah, anda pasti berpuas hati.

Ariffuddin.

Email/ym: casab_2080@yahoo.com.my

Col/SMS sy 0122652432 / 0139992511

perniagaan prepaid murah

CCRIS = Central Credit Reference Information System

SUMMARY CREDIT REPORT

The Summary Credit Report displays summarised information relating to the
customer’s current and potential liabilities arising from credit facilities obtained
from the financial institutions in Malaysia. The liabilities include those where the
customer has obtained borrowings of its own, liabilities of joint-accounts, sole
proprietorships/partnerships/professional bodies in which the customer is an
Owner/Partner of the business. It also includes liabilities where the customer is a
guarantor for other borrowers.

How to check my CCRIS?

...read more at www.bebas-hutang.com

In Malaysia, everybody knows what MLM is. It stands for Multi Level Marketing. How this business influences Malaysian people?...including me.

Since I first start working in 2003, until before I get married, my salary was just good enough for me. Even I can't save much, but I still could make some saving. But it changed after I get married. My commitments were become different. There were a lot of things that we need when we are in a family. Then I realized that my current salary is not good enough for us to get better life. So what we did?

I started looking for side income. But I couldn't do part time job at that time. I was an Engineer at one of Semiconductor Company in Kuala Langat. I always turn back late, even without OT...too bad huh!...but that was my first job...biasala, semangat lebih...haha.

So what we could do to get side income is by doing MLM. No need huge modal, with less than RM100, you can become a member. I joined few MLM...start from Elken, Amway, Network 21, and then Uptrend. The last one was JAI...most people said JAI is not MLM, but now the company's account has been frozen by Bank Negara and charged illegal. I heard the company has been charged because they doing MLM business without a proper license. So now I considered JAI as MLM too.

What we get after few years with MLM? We lost our time, we lost few k especially with JAI, but we got a good lesson. In fact, none of my uplines in each MLM are really success with MLM after few years. Its not easy as what they keep said to me huh. Now I really 100% don't believe with MLM or any other business that similar with it.

What I'm doing now? I'm doing financial planning, and hope can share with you guys how I clearing my debts. To be continue...

There are 3 types of educations.

Scholastic Education

This education teaches us to read, write and do math. It is very important education.

Professional Education

This education teaches you how to work for money. Such as doctors, lawyers, accountants, plumbers, and electricians, automobile mechanics.

Financial Education

This is the education where you learn to have money work for you rather than you work for money. Have you heard a person paid more than RM10k per month, but do not have saving? Doesn't matter how much you earn every month, but how you can manage your financial, and how much you could save. And this third education is not taught in most schools, colleagues or universities. So where you can have this education? The answer is read a book, get advise from financial planner...or read this blog.

Saya nak maklumkan bahawa Blog ini akan kurang saya update kerana saya telah membuat

Blog baru dengan nama baru di http://blog.cimb-wealthadvisors.info/

LANGKAH 1:
Kalau korang memang serius nak menjana pendapatan secara online, saya sarankan anda semua buka akaun bank dulu..Bunyi macam agak bodohkan? Saya tahu semua orang ada akaun bank..tapi berapa orang yang tahu menggunakan services online banking diorang? Saya cadangkan anda buka akaun maybank atau cimb sebab ramai yang menggunakan services bank ni..xkiralah samada anda yang menjadi si penerima atau si pemberi wang tersebut..Tapi yang rumitnya, anda perlu depositkan RM250 untuk permulaan membuka akaun..Tapi, duit tu boleh keluarkan serta-merta selepas akaun anda sudah diaktifkan..Pastikan anda aktifkan juga online banking services anda dengan serta merta..Caranya, korang hanya perlu ke ATM bank tersebut dan pilih menu lain-lain..Akan terpampang menu online banking atau sewaktu dengannya..dan aktifkan..Anda perlu masukkan paswod..Jangan lupa anda juga perlu memasukkan no. hp anda kerana sebarang urusan secara online, anda akan diberikan TAC..TAC tu ala2 pasword kalau nak meneruskan urusniaga secara online dan ianya akan dihantar ke hp anda pada masa urusniaga tersebut hendak dijadikan sahaja..ini bagi menggelakkan akaun anda dicerobohi..Mudah saja kan? Kalau anda tak tahu, mintalah bantuan pada kakitangan yang bertugas..Oklaa..saya dah ngantuk..xboleh nak berfikir lagi..Nanti saya sambung lagi ok..

And the company has been going global for some time, with the United States and United Kingdom markets making up most of its sales. Over the years, Asia File has expanded its business overseas, which now contributes more than 70% of its revenue, with the two largest markets being the US and Europe (mainly UK). Yet, despite its global reach and strong product demand, the equity market had somewhat lost interest in the stock, with the share price trading range-bound over the last four years at between RM4.00 and RM6.00.

Rumour had it that there were some family disputes in the management of the company, which is controlled by the Lim family now headed by Executive Chairman Michael Lim Soon Huat, and the company had somewhat lost some direction. Profits were still pretty good even then, probably reflecting the resilience of its business, although they were flat at around RM30 million over the same period. However, Asia File is apparently coming back with a bang, having recently acquired one of the larger players in its market in Europe on the cheap.

According to a recent investment report by CIMB Research, Asia File is set to record a strong compounded annual growth rate (CAGR) of 40% over the next three years, as it will be the largest original equipment manufacturer (OEM) in its segment in Europe with the acquisition.

An old hand in the business

Established in 1961, Asia File has been in the stationery business for more than four decades, and today dominates the local industry with a 60% market share. Asia File manufactures and distributes stationery products for both the domestic and export markets and has a vast range of products, the main ones being dividers, lever arch files and ring files, which contribute close to 70% of its current group revenue.

It exports to more than 80 countries, mainly as an OEM and also as an OBM. The largest markets for its products are the UK and the US, which collectively make up more than half of the group's revenue. Asia File's manufacturing and headquarters base is in Penang, where the group has a total of three factories, ie, in Permatang Tinggi (200,000sf in size), Bayan Lepas (260,000sf) and Sungai Pinang (60,000sf). Asia File also operates a major warehouse in Puchong in the Klang Valley and in Basingstoke, UK. The average utilisation rate of its factories is said to be 70%-75%, according to CIMB Research.

Listed since 1996

Asia File first got listed in 1996 on the second board of Bursa Malaysia before upgrading itself to the main board in 2000. The company is currently majority-owned by dominant shareholder, Prestige Elegance Sdn Bhd, which holds 47.2% of the group. Prestige is 50.01% owned by Executive Chairman Lim, who is said to take a very hands-on approach towards the group's domestic and export operations.

The group has also garnered some institutional support and has a number of large institutional shareholders. These include the Arisaig Asean Fund (14.9%), the NT Asian Discovery Fund (6.2%) and Great Eastern Life Assurance (Malaysia) (3.7%). According to CIMB Research, the foreign shareholding in Asia File is currently at around 22%, which could rise further if investors take note of the fact that the group's major income actually comes from overseas, mainly Europe.

Major breakthrough in Europe

The new excitement in the group stems from its recent acquisition of Plastoreg (PTG), Europe's largest OEM manufacturer of indices and dividers. According to an industry observer, Asia File has long been on the lookout to acquire ........continue here

CIMB Islamic DALI Equity Fund (formerly DALI2)

CIMB Islamic DALI Equity Growth Fund (formerly DALI)

Kindly disseminate the above information to the agency force.

Thank you for your support ~!!

Olam hit a intraday high of S$1.97, with 13.2 million shares traded, a day after the stock slipped 12.6 percent on rumours that the food and agricultural products firm has exposure to a commodities brokerage firm which has been hit by liquidity problems.

Macquarie analyst Patrick Yau, who kept Olam at "outperform" at a target price of S$3.82, said the recent sell-off in Olam's shares on Wednesday has created greater value in the stock.

UBS analyst Gaurung Bhatia also said Olam's shares were oversold. "We believe there may be concerns about its working capital requirements given its high gearing levels and high commodity prices...the concerns are overdone and the stock should bounce back," Bhatia said.

Chinese-based Synear Food Holdings fell as much as 10.7 percent to S$0.375 with 9.7 million shares traded a day after the firm issued a profit guidance for its 2008 first-quarter earnings, dealers said. The frozen foods company said that a recent snowstorm in China was expected to cut its sales in the first quarter by up to 10 percent as compared to the same period in 2007.

The company said that sales would still be higher than what they were in the fourth quarter of 2007.

CIMB analyst Ho Choon Seng downgraded Synear's investment rating to "underperform" from "trading sell" and cut its share target price to S$0.35 from S$0.77, citing poor near-term outlook and execution risks from the company's aggressive expansion plans in China to capitalise on the upcoming Beijing Olympics.

My views: Synear's price has dropped significantly recently from more than S$1.00 to its current price of about S$0.37 in a short period. Though its suffering from the snowstorm impact and rising inflation, I still expect a decent profit, perhaps, a diminishing profits in view of the China's increasing inflation. Somehow, I disagree with CIMB's investment ratings. I find synear to be a good company to hold over long term due to its strong financial backing. Most of the time, they are performing relative better than the industry. I am looking for further bargain around S$0.20-S$0.25.

CNBC Asia had a huge story today on IOI Group in Malaysia (homepage). The story was about how the group is buying up all the palm oil plantations in Malaysia and Singapore, which is coinciding with a rising palm oil price. Demand is far outpacing supply of palm oil and making this company rich.

CNBC Asia Interview video with IOI CEO

They trade as IOICORP on Bursa Malaysia. If you have a broker, ask them about it, or you can go through CIMB, JPMorgan, or UBS. Of course, unless you have millions to invest, CIMB is probably the only place that will return your call. UBS might be okay too. Not sure what their account limits are.

IOI's chart is HERE.

If you are a foreign trader, try IOI Group.

When its about to end, the emcee told the squash player to "give" souvenirs to the audience. It was very sweet of her. She threw the souvenir to almost all directions. Firstly to her bottom right. Then to her top left followed by bottom left. Lastly is to the direction where I was, top right. Too bad...the momentum was good at first and the souvenir height is at my eye level. However about two hand length from me, it just lost the momentum and drop straight on to the ground (someone down there took it). There were sounds of OOO in disappointment. Its was real fun. The souvenir was a CIMB light blue T-shirt. Janson was saying why you guys (me and other people) get so excited over a T-shirt. Well, its not about the T-shirt. Its the excitement of fighting for it, the anticipation, the hope, the fun and if you get it, its a bonus. Poor Janson...don't know how to enjoy.

The squash player packed her things and bye bye she goes. People at my place starts to move away but something kept my feet there. I don't want to move. I told Janson, "why don't we wait a little while more and see whose gonna play next." In less than 5 minutes they announced the next squash players and guess what...one of them is our very own Malaysian squash player Nicol David (in blue sleeveless). The applause that was given to her by the audiences were real loud as her name was announced. It was so great to see her live.

Both the players start by warming up, rehearsing in the squash court. After about 5 minutes, they started to compete. From what I saw, its an easy game for Nicol. So many people was cheering for Nicol and everytime she win 1 point, WOW, the cheering will be greater. I only watched halfway as my poor Janson want to go home. Anyway from the news, Nicol David won the championship. Congratulations to her.

It was such an experience for me. This was the first time I saw a squash court in a shopping complex. Its quite funny at first but then its possible. First time seeing Nicol David live (eventhough not very near la). Sooo great.

Please take note that CIMB Islamic DALI Equity Theme Fund is open for CASH & KWSP investment.

Lunched : 28 FEB 2008

Price :RM0.25 WOW~!! CHEAP

Starting to Invest :RM1000

Monthly Saving Minimum :RM100

Investment Strategy : The strategy of the Fund will be to invest in sectors that are related to the prevailing domestic and/or global investment themes. In identifying the investment themes, the anager will consider prevailing and potential macro economic factors and trends, social and political developments as well as technological advances that may reveal specific thematic investment opportunities. The Fund’s sector allocation will be actively managed by he Manager who has the option to aggressively overweight preferred sectors to take
advantage of their market outlook. Sector analysis is done through quantitative and
qualitative approaches. In determining the sector allocation and stock selection, the Manager will focus on the following:

• Identify the potential sector(s) in light of the prevailing domestic and/or global
investment themes
• Study impact of the prevailing economic and political conditions
• Select particular sectors based primarily on the growth prospects and valuation of that
sector. The most promising sectors will be chosen according to their rating levels as
per the sector analysis.
• Invest in stocks of Malaysian companies in the chosen sectors based on the stocks’
potential for appreciation relative to the outlook for that sector. However, the Manager
may, at its discretion, overweight or underweight at stock level if it is beneficial to the
Fund.
. Review sector and stock picks monthly.

Investment timeframe : Recommended five (5) years or more.

Potential Investor : The Fund is suitable for investors who:
- want a Shariah-compliant investment;
- want an investment that participates and benefits from evolving investment trends;
- prefer capital growth over income over a medium to long time period; and
- are willing to accept above average to high risk in their investments.

Actually my heart wrenching experience with CIMB began long before the IC mistake. Initially, last week on the 14th February i make my 2nd visit to the same branch to swap my ATM bankcard, because ATMs failed to read the sim card. But this time, the bank charge me RM10 to replace my card with a new one.Eventough the obviously the card failed to function due to the sim problem. i pay up the penalty eventough felt its very unfair for CIMB to charge to capitalise their customer that way.

Well back to myKad story. I just found out that ive been carrying a stranger's mykad in my wallet for few days. Ive been to kota Bharu, Kuala Terengganu on a road trip up and down, to KL, it was in Melaka that i realized that i owned someone else myKad when i check in the hotel. I freaked out upon seeing the strange myKad.Luckily they accept my driving license. Soon afterward, i lodge police report to have a backup document in case if theres a road block. Especially during voting seasons, and you know how efficient our police offers are we? so i dont want to be mistaken for a Pendatang tanpa izin and have to sleep in jail instead. so better be precautions.

As soon as i return to KL, i google the net and luckily traced the details of the mykad owner and contact him. Luckily he sms me the morning after and i return his mykad to him before noon. Thank god, my mykad is still in CIMB office branch. I decided not to throw any tantrums to them, because its no use to patronize their inefficiency anyway. I smirk when the manager said out loud to me" oh thank god you came! weve been looking for you high and low sampai nak gila!"

 yeah right. sampai nak gila youve been looking for me based from your in your customer info database that it took you more than 1 week i dont get even a word from you. while on the contrary i do it on my own with google help in less than 2 days!*pengsan!

shamless betul CIMB staff ni!