Tomorrow gap up

0.65, 0.70, 0.80??

If 70 sen sell, If 50 sen buy..
Profit Loss Profit Loss Big Profit Small Profit Big Loss Small Loss..

CIMB same level to BIMB and MBSB
Eerrmmmm...

SHAH ALAM (Nov 17): About 3,550 employees living in the Top Glove Corp Bhd’s dormitories in Klang will undergo Covid-19 tests following the enforcement of the Enhanced Movement Control Order (EMCO) in the area, starting today.

AFTER two consecutive quarters of losses, Malaysia Building Society Bhd (MBSB) anticipates returning to the black in the third quarter of this year.

President and CEO Datuk Seri Ahmad Zaini Othman says MBSB expects to post a profit in the third quarter of the year ending Dec 31, 2020 (3QFY2020), for two main reasons — one, there will not be any modification loss in that quarter and, two, he expects the bank’s net operating income to be sustained as per the level of the second quarter.

“We also expect that gains from the sale of financial instruments will continue to contribute to the group’s total income,” he says in response to questions from The Edge.

The banking group, which is 65.4%-owned by the Employees Provident Fund (EPF), saw net profit rise to a five-year high of RM716.9 million in FY2019 before its fortunes turned this year, mainly because of the Covid-19 pandemic.

In 1QFY2020, the lender posted a net loss of RM73.25 million compared with a net profit of RM83.83 million in the same period a year earlier, due to higher impairment charges on loans, financing and advances. This was despite revenue rising 1.9% year on year to RM741.41 million.

Its net allowance for impairment charges almost doubled to RM291.78 million from RM153.02 million. This stemmed mainly from “property and construction financing, on the corporate side”, according to Ahmad Zaini.

And, in 2QFY2020, it made a net loss of RM121.51 million due to a hefty, one-off modification loss of RM512.61 million that arose because of the blanket loan repayment moratorium granted to customers. This was despite a 17% improvement in revenue to RM886.35 million.

Had it not been for the modification loss, the group would have been in a position of profit. The modification loss was hefty — by far the largest among the listed banking groups — due to its sizeable financing portfolio contracted at fixed-rate financing. In fact, 92% of the loss came from its fixed-rate personal financing business, which is its largest financing segment.

Going forward, Ahmad Zaini does not expect a marked rise in non-performing loans (NPLs) or provisions in 3QFY2020 as customers continued to come under the blanket moratorium until end-September, hence the status of the loans remained as “performing”.

These are not expected to rise significantly in 4QFY2020 either, he says. “We don’t think so, as our personal financing [repayments] are via a salary-deduction scheme. Maybe [some] in home loans, but that would be small.”

As at end-September, the take-up rate among customers for targeted assistance on financing is “not significant”, he says, without providing numbers.

In late August, MBSB had guided analysts that there would potentially be an additional RM30 million to RM50 million modification loss given that the moratorium would be extended beyond September for selected accounts that needed further assistance. Ahmad Zaini now says this will likely come in much lower as applications for such assistance has been lower than expected.

Asked if the worst is behind the group, Ahmad Zaini says it all depends on how long the current third wave of the coronavirus pandemic and the ensuing partial lockdowns last.

“If at all, [the stress] is going to be on the corporate property financing side. We need to see how property sales are, moving forward. If the developers have trouble selling their properties, that could be a problem for us. [The impact of] that will probably be reflected in our second quarter of next year … because banks can still continue to provide R&R (restructuring and rescheduling of loan repayments) to troubled SMEs (small and medium enterprises) and corporates, without having to categorise them as non-performing, until June next year,” he says.

As at end-June, MBSB’s gross impaired loan (GIL) ratio stood at 6.08%, while that of its banking unit MBSB Bank stood at 3.28%. “We expect GIL to improve by year-end, with our collection efforts,” Ahmad Zaini says.

CEO’s last term
According to sources, these are expected to be Ahmad Zaini’s final months as MBSB president and CEO, as he will be leaving once his current two-year contract comes to an end in February next year. He, however, declines to comment when asked about it.

Sources say that MBSB’s long-time chairman, Tan Sri Abdul Halim Ali, 77, will also be leaving upon the end of his term in February next year. Abdul Halim has been chairman since June 2001.

Ahmad Zaini, 63, has been in the lender’s driving seat for over 11 years. He was appointed to the role on Feb 26, 2009.

In early 2018, MBSB created deputy CEO roles for the purpose of succession planning. It appointed Datuk Nor Azam M Taib as deputy CEO of business and Risham Akashah Kamaruzaman as deputy CEO of operations.

It remains to be seen if one of them will eventually take on the CEO role as the EPF, the bank’s controlling shareholder, could also consider an external appointment.

AFTER two consecutive quarters of losses, Malaysia Building Society Bhd (MBSB) anticipates returning to the black in the third quarter of this year.

President and CEO Datuk Seri Ahmad Zaini Othman says MBSB expects to post a profit in the third quarter of the year ending Dec 31, 2020 (3QFY2020), for two main reasons — one, there will not be any modification loss in that quarter and, two, he expects the bank’s net operating income to be sustained as per the level of the second quarter.

“We also expect that gains from the sale of financial instruments will continue to contribute to the group’s total income,” he says in response to questions from The Edge.

The banking group, which is 65.4%-owned by the Employees Provident Fund (EPF), saw net profit rise to a five-year high of RM716.9 million in FY2019 before its fortunes turned this year, mainly because of the Covid-19 pandemic.

In 1QFY2020, the lender posted a net loss of RM73.25 million compared with a net profit of RM83.83 million in the same period a year earlier, due to higher impairment charges on loans, financing and advances. This was despite revenue rising 1.9% year on year to RM741.41 million.

Its net allowance for impairment charges almost doubled to RM291.78 million from RM153.02 million. This stemmed mainly from “property and construction financing, on the corporate side”, according to Ahmad Zaini.

And, in 2QFY2020, it made a net loss of RM121.51 million due to a hefty, one-off modification loss of RM512.61 million that arose because of the blanket loan repayment moratorium granted to customers. This was despite a 17% improvement in revenue to RM886.35 million.

Had it not been for the modification loss, the group would have been in a position of profit. The modification loss was hefty — by far the largest among the listed banking groups — due to its sizeable financing portfolio contracted at fixed-rate financing. In fact, 92% of the loss came from its fixed-rate personal financing business, which is its largest financing segment.

Going forward, Ahmad Zaini does not expect a marked rise in non-performing loans (NPLs) or provisions in 3QFY2020 as customers continued to come under the blanket moratorium until end-September, hence the status of the loans remained as “performing”.

These are not expected to rise significantly in 4QFY2020 either, he says. “We don’t think so, as our personal financing [repayments] are via a salary-deduction scheme. Maybe [some] in home loans, but that would be small.”

As at end-September, the take-up rate among customers for targeted assistance on financing is “not significant”, he says, without providing numbers.

In late August, MBSB had guided analysts that there would potentially be an additional RM30 million to RM50 million modification loss given that the moratorium would be extended beyond September for selected accounts that needed further assistance. Ahmad Zaini now says this will likely come in much lower as applications for such assistance has been lower than expected.

Asked if the worst is behind the group, Ahmad Zaini says it all depends on how long the current third wave of the coronavirus pandemic and the ensuing partial lockdowns last.

“If at all, [the stress] is going to be on the corporate property financing side. We need to see how property sales are, moving forward. If the developers have trouble selling their properties, that could be a problem for us. [The impact of] that will probably be reflected in our second quarter of next year … because banks can still continue to provide R&R (restructuring and rescheduling of loan repayments) to troubled SMEs (small and medium enterprises) and corporates, without having to categorise them as non-performing, until June next year,” he says.

As at end-June, MBSB’s gross impaired loan (GIL) ratio stood at 6.08%, while that of its banking unit MBSB Bank stood at 3.28%. “We expect GIL to improve by year-end, with our collection efforts,” Ahmad Zaini says.

CEO’s last term
According to sources, these are expected to be Ahmad Zaini’s final months as MBSB president and CEO, as he will be leaving once his current two-year contract comes to an end in February next year. He, however, declines to comment when asked about it.

Sources say that MBSB’s long-time chairman, Tan Sri Abdul Halim Ali, 77, will also be leaving upon the end of his term in February next year. Abdul Halim has been chairman since June 2001.

Ahmad Zaini, 63, has been in the lender’s driving seat for over 11 years. He was appointed to the role on Feb 26, 2009.

In early 2018, MBSB created deputy CEO roles for the purpose of succession planning. It appointed Datuk Nor Azam M Taib as deputy CEO of business and Risham Akashah Kamaruzaman as deputy CEO of operations.

It remains to be seen if one of them will eventually take on the CEO role as the EPF, the bank’s controlling shareholder, could also consider an external appointment.

AFTER two consecutive quarters of losses, Malaysia Building Society Bhd (MBSB) anticipates returning to the black in the third quarter of this year.

President and CEO Datuk Seri Ahmad Zaini Othman says MBSB expects to post a profit in the third quarter of the year ending Dec 31, 2020 (3QFY2020), for two main reasons — one, there will not be any modification loss in that quarter and, two, he expects the bank’s net operating income to be sustained as per the level of the second quarter.

“We also expect that gains from the sale of financial instruments will continue to contribute to the group’s total income,” he says in response to questions from The Edge.

The banking group, which is 65.4%-owned by the Employees Provident Fund (EPF), saw net profit rise to a five-year high of RM716.9 million in FY2019 before its fortunes turned this year, mainly because of the Covid-19 pandemic.

In 1QFY2020, the lender posted a net loss of RM73.25 million compared with a net profit of RM83.83 million in the same period a year earlier, due to higher impairment charges on loans, financing and advances. This was despite revenue rising 1.9% year on year to RM741.41 million.

Its net allowance for impairment charges almost doubled to RM291.78 million from RM153.02 million. This stemmed mainly from “property and construction financing, on the corporate side”, according to Ahmad Zaini.

And, in 2QFY2020, it made a net loss of RM121.51 million due to a hefty, one-off modification loss of RM512.61 million that arose because of the blanket loan repayment moratorium granted to customers. This was despite a 17% improvement in revenue to RM886.35 million.

Had it not been for the modification loss, the group would have been in a position of profit. The modification loss was hefty — by far the largest among the listed banking groups — due to its sizeable financing portfolio contracted at fixed-rate financing. In fact, 92% of the loss came from its fixed-rate personal financing business, which is its largest financing segment.

Going forward, Ahmad Zaini does not expect a marked rise in non-performing loans (NPLs) or provisions in 3QFY2020 as customers continued to come under the blanket moratorium until end-September, hence the status of the loans remained as “performing”.

These are not expected to rise significantly in 4QFY2020 either, he says. “We don’t think so, as our personal financing [repayments] are via a salary-deduction scheme. Maybe [some] in home loans, but that would be small.”

As at end-September, the take-up rate among customers for targeted assistance on financing is “not significant”, he says, without providing numbers.

In late August, MBSB had guided analysts that there would potentially be an additional RM30 million to RM50 million modification loss given that the moratorium would be extended beyond September for selected accounts that needed further assistance. Ahmad Zaini now says this will likely come in much lower as applications for such assistance has been lower than expected.

Asked if the worst is behind the group, Ahmad Zaini says it all depends on how long the current third wave of the coronavirus pandemic and the ensuing partial lockdowns last.

“If at all, [the stress] is going to be on the corporate property financing side. We need to see how property sales are, moving forward. If the developers have trouble selling their properties, that could be a problem for us. [The impact of] that will probably be reflected in our second quarter of next year … because banks can still continue to provide R&R (restructuring and rescheduling of loan repayments) to troubled SMEs (small and medium enterprises) and corporates, without having to categorise them as non-performing, until June next year,” he says.

As at end-June, MBSB’s gross impaired loan (GIL) ratio stood at 6.08%, while that of its banking unit MBSB Bank stood at 3.28%. “We expect GIL to improve by year-end, with our collection efforts,” Ahmad Zaini says.

CEO’s last term
According to sources, these are expected to be Ahmad Zaini’s final months as MBSB president and CEO, as he will be leaving once his current two-year contract comes to an end in February next year. He, however, declines to comment when asked about it.

Sources say that MBSB’s long-time chairman, Tan Sri Abdul Halim Ali, 77, will also be leaving upon the end of his term in February next year. Abdul Halim has been chairman since June 2001.

Ahmad Zaini, 63, has been in the lender’s driving seat for over 11 years. He was appointed to the role on Feb 26, 2009.

In early 2018, MBSB created deputy CEO roles for the purpose of succession planning. It appointed Datuk Nor Azam M Taib as deputy CEO of business and Risham Akashah Kamaruzaman as deputy CEO of operations.

It remains to be seen if one of them will eventually take on the CEO role as the EPF, the bank’s controlling shareholder, could also consider an external appointment.

AFTER two consecutive quarters of losses, Malaysia Building Society Bhd (MBSB) anticipates returning to the black in the third quarter of this year.

President and CEO Datuk Seri Ahmad Zaini Othman says MBSB expects to post a profit in the third quarter of the year ending Dec 31, 2020 (3QFY2020), for two main reasons — one, there will not be any modification loss in that quarter and, two, he expects the bank’s net operating income to be sustained as per the level of the second quarter.

“We also expect that gains from the sale of financial instruments will continue to contribute to the group’s total income,” he says in response to questions from The Edge.

The banking group, which is 65.4%-owned by the Employees Provident Fund (EPF), saw net profit rise to a five-year high of RM716.9 million in FY2019 before its fortunes turned this year, mainly because of the Covid-19 pandemic.

In 1QFY2020, the lender posted a net loss of RM73.25 million compared with a net profit of RM83.83 million in the same period a year earlier, due to higher impairment charges on loans, financing and advances. This was despite revenue rising 1.9% year on year to RM741.41 million.

Its net allowance for impairment charges almost doubled to RM291.78 million from RM153.02 million. This stemmed mainly from “property and construction financing, on the corporate side”, according to Ahmad Zaini.

And, in 2QFY2020, it made a net loss of RM121.51 million due to a hefty, one-off modification loss of RM512.61 million that arose because of the blanket loan repayment moratorium granted to customers. This was despite a 17% improvement in revenue to RM886.35 million.

Had it not been for the modification loss, the group would have been in a position of profit. The modification loss was hefty — by far the largest among the listed banking groups — due to its sizeable financing portfolio contracted at fixed-rate financing. In fact, 92% of the loss came from its fixed-rate personal financing business, which is its largest financing segment.

Going forward, Ahmad Zaini does not expect a marked rise in non-performing loans (NPLs) or provisions in 3QFY2020 as customers continued to come under the blanket moratorium until end-September, hence the status of the loans remained as “performing”.

These are not expected to rise significantly in 4QFY2020 either, he says. “We don’t think so, as our personal financing [repayments] are via a salary-deduction scheme. Maybe [some] in home loans, but that would be small.”

As at end-September, the take-up rate among customers for targeted assistance on financing is “not significant”, he says, without providing numbers.

In late August, MBSB had guided analysts that there would potentially be an additional RM30 million to RM50 million modification loss given that the moratorium would be extended beyond September for selected accounts that needed further assistance. Ahmad Zaini now says this will likely come in much lower as applications for such assistance has been lower than expected.

Asked if the worst is behind the group, Ahmad Zaini says it all depends on how long the current third wave of the coronavirus pandemic and the ensuing partial lockdowns last.

“If at all, [the stress] is going to be on the corporate property financing side. We need to see how property sales are, moving forward. If the developers have trouble selling their properties, that could be a problem for us. [The impact of] that will probably be reflected in our second quarter of next year … because banks can still continue to provide R&R (restructuring and rescheduling of loan repayments) to troubled SMEs (small and medium enterprises) and corporates, without having to categorise them as non-performing, until June next year,” he says.

As at end-June, MBSB’s gross impaired loan (GIL) ratio stood at 6.08%, while that of its banking unit MBSB Bank stood at 3.28%. “We expect GIL to improve by year-end, with our collection efforts,” Ahmad Zaini says.

CEO’s last term
According to sources, these are expected to be Ahmad Zaini’s final months as MBSB president and CEO, as he will be leaving once his current two-year contract comes to an end in February next year. He, however, declines to comment when asked about it.

Sources say that MBSB’s long-time chairman, Tan Sri Abdul Halim Ali, 77, will also be leaving upon the end of his term in February next year. Abdul Halim has been chairman since June 2001.

Ahmad Zaini, 63, has been in the lender’s driving seat for over 11 years. He was appointed to the role on Feb 26, 2009.

In early 2018, MBSB created deputy CEO roles for the purpose of succession planning. It appointed Datuk Nor Azam M Taib as deputy CEO of business and Risham Akashah Kamaruzaman as deputy CEO of operations.

It remains to be seen if one of them will eventually take on the CEO role as the EPF, the bank’s controlling shareholder, could also consider an external appointment.

slowly close shop and die

Patient..0.10,0.13, 0.20

0 25, 0.28, 0.33

0.60

0.21, 0.25, 0.30..
Waiting for announcement..

Shark doo doo

TP 0.30, 0.35, 0.50, 0.70??

MQ Technology Bhd (MQTech) merancang untuk mendapatkan hak pembekalan vaksin COVID-19 untuk pasaran ASEAN melalui cadangan pengambilan alih dalam sebuah syarikat pengeluar produk getah.

MQTech ketika ini sedang dalam rundingan bagi memperoleh 70 peratus pegangan sedia ada dari pengeluar komponen getah Asia Pasifik yang berpangkalan di Pulau Pinang itu.

Syarikat yang belum didedahkan namanya dan hanya disebut sebagai Penang Co itu mempunyai dikatakan sudah memiliki kebenaran untuk mendapatkan bekalan vaksin COVID-19 dari syarikat farmaseutikal China dengan permodalan pasaran sebanyak AS$74 bilion (RM308.07 bilion).

Vaksin itu akan dipasarkan di rantau ASEAN. Ketika ini, Penang Co menjual peralatan perubatan mereka kepada syarikat farmaseutikal gergasi dan kit ujian COVID-19.

Sebelum ini, MQTech dilaporkan muncul sebagai antara calon utama untuk menjadi pemilik baru pengilang sarung tangan getah Latexx Partners Bhd. Pesaingnya adalah Top Glove Corp Bhd.

Latexx Partners yang dinyah senarai dari Bursa Malaysia pada Jun 2013 selepas diambil alih syarikat berpangkalan di Austria ditawarkan pada harga sekitar RM300 juta.

Latexx Partners mempunyai kemudahan pembuatan di Kamunting Industrial Estate di Perak.

Antara anak syarikat Latexx Partners ialah Latexx Manufacturing Sdn Bhd yang berfungsi sebagai pengeluar sarung tangan getah, selain Medtexx Manufacturing Sdn Bhd terbabit dengan perdagangan sarung tangan getah dan penyewaan kilang dan mesin pembuatan sarung tangan.

Selain itu Latexx Partners juga memiliki Total Glove Company Sdn Bhd, syarikat yang merawat dan memproses getah getah asli sarung tangan pemeriksaan dan pembedahan, serta Worldmed Manufacturing Sdn Bhd, yang turut berfugsi sebagai pedagang sarung tangan getah.

MQTech juga dikatakan sedang meninjau peluang meneroka industri sarung tangan perubatan kerana percaya industri berkenaan akan terus menjana keuntungan dalam tempoh terdekat.

RM1

-33mill, -12mill
Ermm..

QR today? tomorrow? Friday?

QR today? tomorrow? Friday?

QR today? tomorrow? Friday?

QR today? tomorrow? Friday?

0.12

6.50

Airasia k.o
Aax?

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

Jack Ma once said, 'When Selling to close friends and family, no matter how much you're selling to them, they will always feel you're earning their money, no matter how cheap you sell to them, they still wouldn't appreciate it.'
There will always be people who do not care about your Costs, Time, Effort, they rather let other people cheat them, allowing others to earn, then supporting someone they know. Cause in their heart, they will always be thinking, 'How much did he earn from me?' instead of "How much did he SAVE/MAKE for me?"This is a classic example of a poor person's mentality!

Jack Ma on Sales: 'When doing Sales, the first people who will trust you will be Strangers, Friends will be shielding against you, fair-weather friends will distance from you. Family will look down upon you.'

The day you finally succeed, paying the bill for every get-together dinner, entertainment, you will realised: Everyone else is present except the Strangers.

0.35

0.20

0.26

Tipu Cheat Kuat

QR announcement why so late? Lower profit due to Modification Loss?

QR announcement why so late? Lower profit due to Modification Loss?

QR announcement why so late? Lower profit due to Modification Loss?

Viagra

Sideway??

Shark sudah ada dalam..

Need 3 trading days Red before Green.. 25th Aug maybe Green after reach bottom..

0.30
0.40
0.50

Maggi ayam 3 ketul nasi lemak sotong kerang

0.12?

Ventilator hot item?

0.35

0.50
0.55
0.65
0.70