WELCOME

Welcome to JDouglas Resource

One of the most precious and invaluable things in life is our 'insight' and 'memory'. And for this reason, I dedicate this blog as a channel to express my own insights and memories on my area of interest.

Among the things that I have great interest are self-improvement, motivation, stock market, photography and employment matters. There are so many information in the internet nowadays that goes unnoticed. However, I'm not trying to be a news center or what, but I'm just expressing my point of view.

To dear friends and general public, you are welcome to post any articles or comments in this blog. However, if any of the articles are deemed harmful or unsuitable for public viewing, it will be remove upon discovery.

So, as we traverse this journey of life, no matter how small our contribution to our community or our beloved nation, it is a good cause for humanity.

From;
Founder, JDouglas Resource

Thursday, August 5, 2010

Employment Chronicles

I decided to spice up my life. Too much politic & rubbish tabloids around are not healthy for the mind.
So I  thought..... Then an idea strike!! Why not I make my own newsletter.
After some brain storming and looking around at people ideas finally... Haha... I got it - I named it Employment Chronicles. I guess my focus would be employment issues. There are so many news have gone unnoticed both local and international alike.

The 1st issue have be distributed FREE through email.
Anybody wish to subscribe, please email me your request to: jeffrydouglas@gmail.com 

Wish me luck. 


Saturday, July 31, 2010

Food for thought



A young boy asked his father, “Dad, what is wealth?”
The father hesitates for a moment then say, “When we have a lot of money that is wealth.”
“What about health?” the boy asks another question.
Then the father answers, “Health is about our well-being”
 Suddenly, the boy stop and say, “I’m not in good health dad.”
“What wrong my boy...?” the father looks at his son with curiosity.
 “I saw a signboard back there says – Health is Wealth. But I’m always sick. It would be hard for me get wealth because I’m not well.” the boy explained as he pointing at a signboard behind them.
The father smiles and says, “My son, you have good thought and strong heart. That is what you need most now and keeps going with it...”  

Thursday, July 15, 2010

Unit Trust Investment

Let me illustrate to you the power of systematic investment using “Ringgit Cost Averaging”... see Table 1 below:


Table 1.0:




DATE
AMOUNT
UNIT
PRICE (RM)
8-Aug-09
RM1,000.00
3,791.47
RM0.2500
8-Sep-09
RM150.00
559.76
RM0.2540
8-Oct-09
RM150.00
551.09
RM0.2580
8-Nov-09
RM150.00
551.09
RM0.2580
8-Dec-09
RM150.00
546.85
RM0.2600
8-Jan-10
RM150.00
536.53
RM0.2650
8-Feb-10
RM150.00
526.59
RM0.2700
8-Mar-10
RM150.00
518.91
RM0.2740
8-Apr-10
RM150.00
511.44
RM0.2780
8-May-10
RM150.00
498.88
RM0.2850
8-Jun-10
RM150.00
490.28
RM0.2900
8-Jul-10
RM150.00
483.61
RM0.2940
RM2,650.00
9,566.48
RM0.2770








Let us assume that you have invested RM1,000.00 in a unit trust fund. Then subsequently and systematically you invest RM150 per month in the same fund for about a year. Your total amount of investment is RM2,650.00 and you have acquired an asset of 9566.48 units valued at RM0.294 per unit as of 8 July 2010. The value of unit changes from time to time. If the value increase to RM0.30 in the following month, then the asset value will be RM2,869.94. That give you unrealized profits of RM219.94.
If you decided to sell one third (1/3) or 3000 units at the price of RM0.30, then you will get cash in hand of RM900.00. There are still a balance of 6,566.48 unit in the fund. Doing this again and again over many years, you will eventually acquired a steady flow of income and building up a promising liquid asset.

90Days Maternity Leave

Firstly, I like to quote a saying from John Stuart Mill;
“Conservatives are not necessarily stupid, but most stupid people are conservatives.”
Nowadays, with the advent of new superb ICT gadgets and new discoveries in science, the present principle of knowledge and way of thinking need to be dynamic. Personally, I believe there are pro and con to this new development. The good part of new technology is that it helps to resolve certain technically problems and save a lot of time in doing things. But the bad part is that it inflicts a hidden cost and unforeseen implications to the society and nature.
So, a person being conservative per se is not really stupid for not accepting a change, but he or she may be being paranoid about change itself. This is quite common among the older generations, but not all of them are like that.
Speaking of change, we all can talk about changing our lives, our community and so on. And speaking about change in employment laws in Malaysia, I got interested with the headline in The Star published on 20 May 2010. It was about “90Days Maternity Leave”...

To some people, they might say, “What’s the big deal about it...?” I guess and I bet that group of people are still single. They are forgiven anyway because they have yet to embrace parenthood. However, I’m sure that all working parents would want the issue to be highlighted and discussed by the relevant ministries, namely the Human Resource Ministry and Women, Family & Community Development Ministry.
NUBE (National Union of Bank Employee) have being going all out on a “signature campaign” to get support from general public on the 90Days Maternity Leave. The move was motivated to amend the current Employment laws and to include additional maternity protection. Currently, Kelantan State government has shown a concrete support to the campaign and it was announced that women civil servant in the State would enjoy the 90 days entitlement starting next year. 
Back then sometime in March 2009, Selangor State under the helm of Chief Minister Tan Sri Khalid Ibrahim of PKR had announced that the 90days entitlement takes effect in the same year, and in addition the husband also enjoys a 14 days paternity leave.
Looking back in May 2007, when the issue was first raised by Datuk Seri Shahrizat Abdul Jalil (Minister of Women, Family & Community Development Ministry), who earlier proposed 84 days maternity leave to the Cabinet for approval but was rejected. There was a debate and concerns raised by the employer, particularly MEF (Malaysian Employer Federation) who argued that the long leave would negatively affect industrial productivity.
Personally, I would tend to look outside the box in order to get a more holistic view on the effect of a longer maternity leave. Of course there are always two side of the coin that the society has to deal with it – it either getting a healthy child growth or company’s wealth growth? Any nation would not want to sacrifice too much on either side. So it has to be balanced.  
Note: This article was published in
 http://blog.thestar.com.my/default.asp?d=5/22/2010

Tuesday, June 29, 2010

God's Gift to Mankind

“God does not take away His gifts and calling in your life. Even if you’ve never done anything with them, even if you’ve failed time and time again, God’s gifts and calling are still resident within you.”
~ John L. Mason

I agreed with John Mason, that God’s gifts to us are our talent and ability to create or do things. It is so near and deep within us, yet we never realized it is the soul of our purpose in life. So, if you think there’s no purpose in this life, then you should find one right within yourself. For sure, you will find great pleasure pursuing it. But if you think you have one or more. You should be sure about it and be focus on the direction. 

Saturday, June 12, 2010

Stock Update - PICORP

Progressive Impact Corporation Berhad (PICORP) is principally an investment holding company and provides management and administrative services to its subsidiaries while its subsidiary companies are principally involved in the provision of environmental consulting, monitoring equipment/system integration, waste management engineering, environmental training, Environmental, Safety and Health (ESH) Consulting, laboratory testing and environmental data management services

I started investing in PICORP last year (2009). It was quite a risky choice of investment, knowing the company rely a lot on government's project. However, after looking at its financial standing from year 2001 till 2008, I discovered they have quite a steady growth in profit before tax
2001 - RM10,510,000
2002 - RM11,759,000
2003 - RM12,603,000
2004 - RM13,731,000
                                                      2005 - RM15,083,000
                                                      2006 - RM22,046,000
                                                      2007 - RM22,650,000
                                                      2008 - RM23,822,000





Another attraction PICORP offer is their consistent dividend policy. In financial year 2009, although their profit before tax drop to RM19,860,000, PICORP still pay out RM0.41sen/ share, less 25% tax. 

At the time when I start buying PICORP stock, its price was around RM0.35 - 0.33. Now the price is around RM0.21 - 0.22. Some investor may walkout upon seeing the price drop. Well, I choose to hold for a while.

Monday, May 17, 2010

Gold Investment






Invest in gold is another way doing investment. In Malaysia I've discover a few gold instruments such as gold coin (eg. dinar or public gold), gold account such as Maybank Gold Saving Account and unit trust such as OSK Gold & General Fund.
Ever since the U.S sub-prime crisis, then Dubai crisis and the recent Greece debt crisis, the gold price has surged up to above $1200 per oz.
I've bought few piece of gold from a website at http://www.publicdinar.com
through its agent. I trust the product coz I've attended its seminar and meet face to face with the author of jutawanemas.com ~ En. Shukor Hashim


 Visit his blog at http://jutawanemas.com/v1 for more info.