Last saturday, while bring my wife's car to do waxing, I sent the car to a car cleaning station.
I ask about waxing, and the son of the owner says, "you park the car first, there are a lot of options".
When I reach the counter and ask them to introduce me what "options" i have...
His mum/cousin bring out a list... the price is from RM 100 (1 layer), RM 350 (3 layer, US was) and RM 468 (3 layer, japanese wax).
They first introduce me the RM 350 one, got "cut wax", etc.... then I ask "anything else?"
Then, they introduce me the RM 550 one (off the chart) for Merz etc. can tahan 1 year... your car need this.... import car etc.
Then, I says "any other?", then they bring out 1 can says this one is "water proof". (Meaning the basic wax). I ask "how much?", they says RM 90 (below the chart). Then, I immediately commited to it.
At that moment, i immediately say yes without thinking.... after a few second only i conciously know that i have been tricked psycologically.
The WAJA ah... for the 3 layer (good wax) only RM 120 and the water prrof wax only RM 50 if i do it at the regular car wash station. I wash WAJA during CNY and that was the common price.
Just thinking of sharing with you this sales trick.
Monday, October 25, 2010
Monday, April 5, 2010
Share Market Rally
The share market is good...
EPF Earning stood at RM 7,000 profit or 23%.
My "another" investment also start to bring harvest soon.... in 6 months time.
My "another" venture also going to materialize in few months time.
Life's good.... watch LG TV...
EPF Earning stood at RM 7,000 profit or 23%.
My "another" investment also start to bring harvest soon.... in 6 months time.
My "another" venture also going to materialize in few months time.
Life's good.... watch LG TV...
Thursday, March 4, 2010
Revenge...
Make 18.7 % with my EPF money..... about RM 5,600. In 1 year time....
My rough estimate is that I have made RM 20,000 gain from the Share Market, vs the RM 7,000 initial losses in my 1st trade....
The share market will be "very boring" in the next 2 1/2 months.... Those who are following, still interested to go in?
Happy investing...
My rough estimate is that I have made RM 20,000 gain from the Share Market, vs the RM 7,000 initial losses in my 1st trade....
The share market will be "very boring" in the next 2 1/2 months.... Those who are following, still interested to go in?
Happy investing...
Wednesday, February 24, 2010
Making $ from Coastal Contract
Well, It's a very happy day for me few days ago as my Coastal paid off.
Buy RM 1.90, Sell @ RM 2.25.... Not a lot, but more then 10%....
How to buy share? Timing.... Certain shares is always up/down at a 3 months cycle... Why? when their financial statement is announce on end of Feb, end of May, end of August and end of November.... It's time to SELL!
Buy those counter that the company is making solid money, such as RCECAP, KFIMA, COASTAL, etc.
Buy at low tide.... where the volume is very low... (meaning nobody wanted to sell anymore), sell at high tide (meaning a lot of people wanted to BUY/SELL).
It's easy, all it takes is time and money (capital).
Happy Trading (investing)
Buy RM 1.90, Sell @ RM 2.25.... Not a lot, but more then 10%....
How to buy share? Timing.... Certain shares is always up/down at a 3 months cycle... Why? when their financial statement is announce on end of Feb, end of May, end of August and end of November.... It's time to SELL!
Buy those counter that the company is making solid money, such as RCECAP, KFIMA, COASTAL, etc.
Buy at low tide.... where the volume is very low... (meaning nobody wanted to sell anymore), sell at high tide (meaning a lot of people wanted to BUY/SELL).
It's easy, all it takes is time and money (capital).
Happy Trading (investing)
Monday, February 8, 2010
Time to buy share
Someone (i think is Ha) says: "When everybody is greedy, be fearful. And when everybody is fearful, be greedy".
This is the time to buy into Malaysia share market.....
I will call for KFIMA, Coastal, RCEcap, LuxChem, Notion, IOIcorp.
This week when everyone is going for CNY, nobody is buying. It will recover after CNY.
This is the time to buy into Malaysia share market.....
I will call for KFIMA, Coastal, RCEcap, LuxChem, Notion, IOIcorp.
This week when everyone is going for CNY, nobody is buying. It will recover after CNY.
Sunday, February 7, 2010
Dream List 2010
1) Mercz
2) Macbook Air
3) Trip to Italy
4) Yearly trip to UK
5) Live Mastery
6) Fruit farm
7) Japan Trip
8) Fiji Trip
9) Valve Amp
10) Round the world
11) Health & Vitality
12) Meditation, Power To influence
13) Polo
14) China -ok
2) Macbook Air
3) Trip to Italy
4) Yearly trip to UK
5) Live Mastery
6) Fruit farm
7) Japan Trip
8) Fiji Trip
9) Valve Amp
10) Round the world
11) Health & Vitality
12) Meditation, Power To influence
13) Polo
14) China -ok
Tuesday, February 2, 2010
Swiss Garden International Vacation Club
I received a call from SGIVC saying they want to give me a 3D/2N free stay voucher at Swiss Garden KL/Perak or Kwantan. In return, they want a 30 mins time to present their "Holiday Idea".
there I go on 31st January 2010.
A "pretty lady" presented their company and idea to me. AND, she was trained to USE NLP....
What's NLP? Neuro-Linguistic Programming.
1) Trick #1 - if you consistantly answer yes to questions, meaning you "agreed" with what they said.
e.g. Is this way can save you money? The answer is yes, because they show you the figures.
Is this company reliable? the answer is yes, because they show you the company background.
Is this a way to enjoy your holiday? the answer is yes....
Would you like to join this club if money is not a problem? the answer is YES. If money is not a problem, of course you will join.
Then, they give you a "package" that almost anyone can pay for it. A downpayment of RM 1,500 and 48 months of Interest Free RM 250/month.
Yes, you can afford it. But is it value for money?
Yes - if you are not a calculative person.
No - If you really calculate out the cost.
The total package price = RM 13,500 + (RM 288/year x 30 years maintenance fee).
= RM 22,140
Total room night = 7 room night/alternative year x 15 years
= 105 night.
Cost/Room night = RM 210.85
Any saving? Nothing..... The room night at KL is around RM 200/night.
The metaphore is like this.... You give me RM 13,500, and every year, you give me RM 288 (maintenance fee). In return, every year i give you back RM 700 (3 1/2 room).
How does that sounds?
Trick #2 - They give you "good discount".... They bluff that the package is worth RM 25,000. and there is a rebet of RM 7000... AND there is a TODAY SPECIAL of RM 4,500.
People like to hear "Discount" and "commit today and get another discount". Actually, all the while, the price is already fixed.
So, How to reject those pretty lady and commanding sales manager? I told them I am going to "consult" a friend first.... and their face immediately change colour.
So, get smart.... DON'T FALL for them....
Norm'C
there I go on 31st January 2010.
A "pretty lady" presented their company and idea to me. AND, she was trained to USE NLP....
What's NLP? Neuro-Linguistic Programming.
1) Trick #1 - if you consistantly answer yes to questions, meaning you "agreed" with what they said.
e.g. Is this way can save you money? The answer is yes, because they show you the figures.
Is this company reliable? the answer is yes, because they show you the company background.
Is this a way to enjoy your holiday? the answer is yes....
Would you like to join this club if money is not a problem? the answer is YES. If money is not a problem, of course you will join.
Then, they give you a "package" that almost anyone can pay for it. A downpayment of RM 1,500 and 48 months of Interest Free RM 250/month.
Yes, you can afford it. But is it value for money?
Yes - if you are not a calculative person.
No - If you really calculate out the cost.
The total package price = RM 13,500 + (RM 288/year x 30 years maintenance fee).
= RM 22,140
Total room night = 7 room night/alternative year x 15 years
= 105 night.
Cost/Room night = RM 210.85
Any saving? Nothing..... The room night at KL is around RM 200/night.
The metaphore is like this.... You give me RM 13,500, and every year, you give me RM 288 (maintenance fee). In return, every year i give you back RM 700 (3 1/2 room).
How does that sounds?
Trick #2 - They give you "good discount".... They bluff that the package is worth RM 25,000. and there is a rebet of RM 7000... AND there is a TODAY SPECIAL of RM 4,500.
People like to hear "Discount" and "commit today and get another discount". Actually, all the while, the price is already fixed.
So, How to reject those pretty lady and commanding sales manager? I told them I am going to "consult" a friend first.... and their face immediately change colour.
So, get smart.... DON'T FALL for them....
Norm'C
Tuesday, January 19, 2010
Balance Transfer
Balance Transfer is a way to reduce financial burden.... however, the bank always seems to outsmart the consumer by manipulating the way customer perceive the deal.
RHB for example.... i have been con by them for the 6% BT plan.... it seems that i am able to save 6 % per year of interest for 1 year. IT"S A LIE.... the 6% is fixed rate. It is equivalent to about 12% "REDUCE INTEREST".
There is VERY LITTLE saving by transferring to RHB.
HSBC is offering a 6% for 6 months which is a better deal.
EON Bank is offering a 5% flat rate for a 12 month installment.
MBF offers 0% for 12 months.
Anything that BANK is conning us is the way how the "Balance is transfer". Different Bank have different way. Just as you though you are saving, indeed you are not.
RHB Bank will put your Credit Transfer amount into your deposit account.... let say, you BT 10k, your account will show 10K is utilized (with low interest), then, as times go, you go and swap 8K and pay 5K into your account. the 5K will be utilized to pay the "lowest interest" amount, meaning your BT amount. the 8K you just swap is subjected to maximum interest without the 20day grace period because you have not settle the full amount.
And you will be charged 13.5% interest on 8K and 6% (flat rate interest) on your 5K. You end up defeating the purpose of BT.
No saving at all....
The only way to save on BT is.... stop using your card that has a low interest on it. just pay the minimum amount and settle the full amount as soon as the BT low interest period has used up.
Spend smart and do your part.
Norm'C
RHB for example.... i have been con by them for the 6% BT plan.... it seems that i am able to save 6 % per year of interest for 1 year. IT"S A LIE.... the 6% is fixed rate. It is equivalent to about 12% "REDUCE INTEREST".
There is VERY LITTLE saving by transferring to RHB.
HSBC is offering a 6% for 6 months which is a better deal.
EON Bank is offering a 5% flat rate for a 12 month installment.
MBF offers 0% for 12 months.
Anything that BANK is conning us is the way how the "Balance is transfer". Different Bank have different way. Just as you though you are saving, indeed you are not.
RHB Bank will put your Credit Transfer amount into your deposit account.... let say, you BT 10k, your account will show 10K is utilized (with low interest), then, as times go, you go and swap 8K and pay 5K into your account. the 5K will be utilized to pay the "lowest interest" amount, meaning your BT amount. the 8K you just swap is subjected to maximum interest without the 20day grace period because you have not settle the full amount.
And you will be charged 13.5% interest on 8K and 6% (flat rate interest) on your 5K. You end up defeating the purpose of BT.
No saving at all....
The only way to save on BT is.... stop using your card that has a low interest on it. just pay the minimum amount and settle the full amount as soon as the BT low interest period has used up.
Spend smart and do your part.
Norm'C
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