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Latest Posts By pharoah88
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| 25-Sep-2010 16:15 |
All-S Equities Fin
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SINGAPORE BANKS - UOB + OCBC + DBS
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Sep 25, 2010Left in limbo after acting on bank's SMS alertON SEPT 8, my brother, a full-time national serviceman, received an SMS notification from DBS regarding his account activity - a transaction of $716 had been made from his debit card to purchase an AirAsia airline ticket. [#### hIghest rIsk card wIth dIrect debIt tO bank accOUnt ####] #### neVer neVer allOw bank tO debIt dIrectly tO yOur fUnd #### Alarmed, he quickly called DBS to notify them that it was not an authorised transaction. The customer service officer told him that they would investigate the case and contact him again. However, over the past two weeks, we have not received any updates. We spoke to four officers on the DBS hotline and one branch officer at Tampines Mall DBS centre, all of whom told us to wait for a reply; the branch officer advised us not to make a police report. This, we discovered later, was an error, as the police told us that we should have filed a report as quickly as possible and they would have been able to make headway into the investigation earlier. Only the fourth officer we spoke to on the hotline advised us that we needed to file a fraud dispute form at any of the bank's branches before DBS could proceed with an investigation. This was after four days of trying to get updates. Why was this not told to us earlier? When we contacted AirAsia to get details of the transaction for the police report, we were shocked to find out that the details given of my brother's debit card were inaccurate: While the card number was correct, the cardholder's name was not his. How could this have happened? Nur Laila M. Kasim (Ms) |
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| 25-Sep-2010 16:03 |
Others
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TRADE FREELY & LiVE LONGER
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| 25-Sep-2010 15:59 |
User Research/Opinions
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%%%% WORLD ECONOMIC SUMMIT %%%%
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Mas Selamat is back ... About two years, seven months after his escape in 2008
SINGAPORE
In a statement, Singapore’s Ministry of Home Affairs (MHA) said he has been arrested under the Internal Security Act.
Mas Selamat escaped from the Whitley Road Detention Centre on Feb 27, 2008.
But following close cooperation between the security agencies in Malaysia and Singapore, the Malaysian Special Branch re-arrested him in Johor on April 1 last year and detained him under Malaysia’s Internal Security Act.
The MHA conveyed its appreciation to its Malaysian counterparts, the Malaysian Special Branch and the Special Task Force for their help with the arrest and repatriation of Mas Selamat to Singapore.
Malaysian Home Affairs Minister Hishammuddin Hussein said in an SMS to
Both governments and the relevant security agencies felt the time was right. He is after all from Singapore. It shows the level of confidence and cooperation between the two countries is high especially on security issues.”
The terrorist leader is expected to be grilled extensively by the Singapore authorities about the level of support and sympathisers he may have here, observers noted. Mr Alvin Yeo, Government Parliamentary Committee for Law and Home Affairs chairman, said: “The first priority is to make sure that he does not get away again. The second priority is to try and obtain as much information as we can of the level of support for the JI in Singapore.
“For instance, did he have help to escape from Singapore to Malaysia?
Obviously you want to know how he escaped and basically what was the level of support he got.”
The MHA did not say where Mas Selamat would be held but observers said if he does return to the Whitley Road Detention Centre, he will face stricter restrictions to his movements and privileges compared to other detainees. In a written reply to Parliament last year, Deputy Prime Minister Wong Kan Seng said a new detention centre will be built inside the maximum security Changi Prison Complex to hold terror detainees within five years.
Mr Kumar Ramakrishna, a counter terrorism expert at the S Rajaratnam School of International Studies, believed that Mas Selamat would be detained again at Whitley Road and — this time — under far stricter guard.
“We can be sure of one thing, that precautions will be in place to ensure that he doesn’t escape again.
“Perhaps, in comparison to other detainees, he will be placed under far stricter restrictions on his movements and his privileges in order to ensure that there is no repetition of the escape, especially since he has proven himself to be a very wily operator ... able to spot vulnerabilities in prison systems,” he said. |
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| 25-Sep-2010 15:49 |
User Research/Opinions
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^ Productivity ^ [Effecacy Efficiency Economy]
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DEPRESSION ? ? ? ? hIgh cOst Of lIvIng ? ? ? ? hIgh medical cOsts ? ? ? ? rIsIng cOst Of lIvIng ? ? ? ? rIsIng InflatIOn ? ? ? ? near zerO bank depOstIt Interest rate ? ? ? ? nO 50% senOIr cItIzen dIscOUnt at Age 56 ? ? ? ? |
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| 25-Sep-2010 15:42 |
User Research/Opinions
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^ Productivity ^ [Effecacy Efficiency Economy]
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The more they are together, the happier seniors will be SINGAPORE A study of some 4,400 members of the PA’s Wellness Programme found that their participation rate increased from 11 to 56 per cent a year after they joined the programme. This is in contrast to a study conducted by the Institute of Policy Studies (IPS), which found that only 5.5 per cent of seniors participated in clubs or group activities. The PA said seniors socialise more because of its programme. While most did not have friends among their neighbours, more than six in 10 have made new friends. 33 per cent now know more than 10 neighbours. Madam Kok Poh Yoke, 64, who was undergoing chemotherapy, had slipped into depression and was suicidal, is a happier woman after joining Kreta Ayer’s Wellness Programme. “My outlook in life became better and I became happier,” she said. Now, Mdm Kok helps out at elderly care centres and ropes in her neighbours to participate in her line dance group. While the PA aims to reach out to half of all Singaporeans older than 50 to participate in the Wellness Programme by 2015, the Minister in charge of ageing issues, Mr Lim Boon Heng, stressed: “This is not a numbers game. PA cannot achieve it through a top-down, uniform cookie cutter approach. We must take into account the diversity among seniors and seniors-to-be.” In the future, seniors will have to organise themselves into various interest groups, volunteer their time and get things done for one another as they age within the community. Such “naturally occurring retirement communities” — evident in the United States — are being studied by policy planners here, Mr Lim said. “Such seniors feel empowered and are in charge of their lives. The question is how such communities can blossom here and revitalise the gotong-royong kampong spirit in the heartlands,” he added. While some constituencies here have had some success, Mr Lim noted the community has not had people who took the lead themselves. “That’s why we need Government or quasi-government organisations to facilitate. We intend to do some facilitation and get some people to do things for themselves,” he added. One such organisation, the Council for Third Age (C3A), will manage a new $20 million Go! Fund, which will seed innovative programmes, activities and groups for active ageing. — Latest figures rolled out by the People’s Association (PA) have dispelled a recent report that seniors here fall short on community participation.Leong Wee Keat Government aims to facilitate the growth of retirement communities |
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| 25-Sep-2010 15:31 |
User Research/Opinions
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^ Productivity ^ [Effecacy Efficiency Economy]
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G7 > nO SOLUTION G8 >> nO sOlUtIOn >> mOre cOsts > > mOre tOUrs ? G20 > > > nO sOlUtIOn > > > mOre cOsts > > > mOre tOUrs ? G20 + nOn-G20 > > > > nO nO sOlUtION > > > > mOre mOre cOsts > > > > mOre mOre tOUrs ? ? G20 + nOn-G20 + 3G > > > > > nO nO nO sOlUtIOn > > > > > mOre mOre mOre cOsts > > > > > mOre mOre mOre tOUrs ? ? ? the mOre the merrIer ? ? ? ? the mOre the messIer ? ? ? ? nO end Of TALKS wIthOUt sOlUtIOn ? ? ? ? WHY can't they VIDEO SKYPE ? ? ? ? mOre tIme is spent travelling rather than RESOLUTION ? ? ? ? |
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| 25-Sep-2010 15:22 |
User Research/Opinions
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^ Productivity ^ [Effecacy Efficiency Economy]
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Singapore receives G20 invitation SINGAPORE In a statement, the Ministry of Finance said the summit — the fifth meeting of the G20 heads of state and government — will discuss the challenges facing the global economy and measures to promote strong, sustainable and balanced global growth. It added that Singapore, as a major financial centre, has a particular interest in contributing to discussions by the group on global financial reforms, efforts to keep markets open and resist protectionism. Singapore, as a member of the informal Global Governance Group (3G), has also been supportive of the efforts of the G20 to develop a consultative, inclusive and transparent framework to strengthen international economic cooperation. The 3G, which comprises 27 United Nations member states was created more than a year ago to encourage the strengthening of a framework of engagement between G20 and non-G20 countries. — Singapore has been invited to participate in the G20 Summit in Seoul on Nov 11 and 12. |
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| 25-Sep-2010 15:13 |
SMRT
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SMRT
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can sOme leaders Or talent Or genIus Or management Or artIstes Or cOnsultants wIthOUt beIng PAID a FEE ? WALK THE TALK ? SHOW EXACTLY ? HOW tO Be GRACIOUS ? UDNER the SAME CONDITIONS ? fOr ONE FULL YEAR ? eVerydaY ? |
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| 25-Sep-2010 15:08 |
SMRT
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SMRT
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Goodness gracious? Campaigns to promote graciousness will not work Letter from Shasikala Kalai Silvan FIRST it was Phua Chu Kang, the yellowbooted contractor, and now it is the Dim Sum Dollies. One cannot help but wonder which local icon would be the next ambassador to teach us to be gracious. It has been over a week since the “Love Your Ride!” campaign was launched by the Public Transport Council to promote graciousness on public transport. The campaign features jingles by the Dim Sum Dollies which are played during selected times at stations and in trains and posters reminding commuters to queue up, move in and give up seats. In a survey conducted by the Land Transport Authority, one commuter felt it was a cheerful jingle and was entertaining, while another felt it was irritating and annoying. Some commuters even felt that the $400,000 campaign was a waste of money. Perhaps, the commuters surveyed were right indeed. How will repeatedly hearing jingles with phrases like “Makcik need your seat why you refuse?” and “Your attitude makes me want to scream my way home” change first-come-first-served mindsets? There have been previous campaigns but we come across commuters who pretend that they are asleep when they see a pregnant woman or an elderly person board the train. The point is, whether a commuter wants to give up his or her seat to someone who needs it more depends entirely on him or her. Will commuters become more gracious on hearing such jingles? If you have ever taken a crowded train and experienced being packed like sardines, no jingle can brighten your day or make you enjoy your ride. I strongly feel that no campaign can teach anyone to be gracious. Graciousness should come from the heart by practice and not by learning from jingles or posters. |
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| 25-Sep-2010 15:05 |
User Research/Opinions
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&&&&&&&& PROFITS & PHILANTHROPHY &&&&&&&&
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Goodness gracious? Campaigns to promote graciousness will not work Letter from Shasikala Kalai Silvan FIRST it was Phua Chu Kang, the yellowbooted contractor, and now it is the Dim Sum Dollies. One cannot help but wonder which local icon would be the next ambassador to teach us to be gracious. It has been over a week since the “Love Your Ride!” campaign was launched by the Public Transport Council to promote graciousness on public transport. The campaign features jingles by the Dim Sum Dollies which are played during selected times at stations and in trains and posters reminding commuters to queue up, move in and give up seats. In a survey conducted by the Land Transport Authority, one commuter felt it was a cheerful jingle and was entertaining, while another felt it was irritating and annoying. Some commuters even felt that the $400,000 campaign was a waste of money. Perhaps, the commuters surveyed were right indeed. How will repeatedly hearing jingles with phrases like “Makcik need your seat why you refuse?” and “Your attitude makes me want to scream my way home” change first-come-first-served mindsets? There have been previous campaigns but we come across commuters who pretend that they are asleep when they see a pregnant woman or an elderly person board the train. The point is, whether a commuter wants to give up his or her seat to someone who needs it more depends entirely on him or her. Will commuters become more gracious on hearing such jingles? If you have ever taken a crowded train and experienced being packed like sardines, no jingle can brighten your day or make you enjoy your ride. I strongly feel that no campaign can teach anyone to be gracious. Graciousness should come from the heart by practice and not by learning from jingles or posters. |
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| 25-Sep-2010 14:57 |
User Research/Opinions
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&&&&&&&& PROFITS & PHILANTHROPHY &&&&&&&&
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Saturday: 25 SEP 2010 TODAY ONLINE Staff cannot approach passers-by Letter from Phoebe Low Manager (Corporate Communications) Public Affairs & Corporate Social Responsibility Singapore Pools (Private) Limited THE temporary Singapore Pools booth in Change Alley (“Are these gambling booths allowed?”, Sept 24) was part of our contribution to the festivities surrounding the third Singapore night race. It was only operational during the season from Sept 20 to 24. The location was chosen for its proximity to the Singapore night race circuit as well as the higher concentration of night race visitors. Our responsible gaming framework disallows our staff to approach passers-by. Consistent with our policy of not promoting gambling, we do not offer sales commission, hence there is no incentive for staff to push sales. We thank Mr Yeo En Wee for bringing the matter to our attention. We have taken the opportunity to emphasise to our staff to adhere to our high standards of responsible gaming policy and practices at all times. |
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| 25-Sep-2010 14:55 |
Genting Sing
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GenSp starts to move up again
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Saturday: 25 SEP 2010 TODAY ONLINE Staff cannot approach passers-by Letter from Phoebe Low Manager (Corporate Communications) Public Affairs & Corporate Social Responsibility Singapore Pools (Private) Limited THE temporary Singapore Pools booth in Change Alley (“Are these gambling booths allowed?”, Sept 24) was part of our contribution to the festivities surrounding the third Singapore night race. It was only operational during the season from Sept 20 to 24. The location was chosen for its proximity to the Singapore night race circuit as well as the higher concentration of night race visitors. Our responsible gaming framework disallows our staff to approach passers-by. Consistent with our policy of not promoting gambling, we do not offer sales commission, hence there is no incentive for staff to push sales. We thank Mr Yeo En Wee for bringing the matter to our attention. We have taken the opportunity to emphasise to our staff to adhere to our high standards of responsible gaming policy and practices at all times. |
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| 25-Sep-2010 14:43 |
Genting Sing
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GenSp starts to move up again
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Genting Berhad now has RM$16.25 billion in cash and it has total liabilities of RM$19.6 billion. Cash generating machine? The fact that the company has generated RM$2.5 billion in operating cashflow yearly since 2007 is an impressive feat. This year it has generated more than that in the first 6 months of 2010. I love consistent and predictable cashflows from operations more than anything else. |
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| 25-Sep-2010 14:40 |
Genting Sing
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GenSp starts to move up again
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Genting Malaysia Bhd jumps on dropping purchase planDated: 27.05.2010
Source: Business Times Genting Malaysia Bhd, owner of Malaysia’s only casino, rose the most in one year in Kuala Lumpur trading after deciding not to exercise an option to buy a 10 per cent stake in Walker Digital Gaming LLC, a US-based developer of gaming-related patents. “This would have raised corporate governance issues given that it is a related-party transaction,” DBS Vickers Research Sdn Bhd analyst Yee Mei Hui said in a telephone interview today.
“Genting Malaysia is sitting on a cash pile and their are more productive uses for its cash resources,” she said. The stock jumped 5.6 per cent to RM2.65 at 9.54 am local time, set for its biggest daily gain since May 25, 2009. It was the biggest gainer on the benchmark FTSE Bursa Malaysia KLCI Index. - Bloomberg
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| 25-Sep-2010 14:37 |
User Research/Opinions
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******** GENTING ******* BERHAD ********
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Genting Malaysia Bhd jumps on dropping purchase planDated: 27.05.2010
Source: Business Times Genting Malaysia Bhd, owner of Malaysia’s only casino, rose the most in one year in Kuala Lumpur trading after deciding not to exercise an option to buy a 10 per cent stake in Walker Digital Gaming LLC, a US-based developer of gaming-related patents. “This would have raised corporate governance issues given that it is a related-party transaction,” DBS Vickers Research Sdn Bhd analyst Yee Mei Hui said in a telephone interview today.
“Genting Malaysia is sitting on a cash pile and their are more productive uses for its cash resources,” she said. The stock jumped 5.6 per cent to RM2.65 at 9.54 am local time, set for its biggest daily gain since May 25, 2009. It was the biggest gainer on the benchmark FTSE Bursa Malaysia KLCI Index. - Bloomberg
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| 25-Sep-2010 14:17 |
User Research/Opinions
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******** GENTING ******* BERHAD ********
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Fast forward to 2010, now gaming stocks have become unloved especially with the slowdown in gaming revenues in Las Vegas and saturation of growth in Macau. The 2 best performing gaming stocks in the world over the past couple of years have been Las Vegas Sands (LVS) and Genting Singapore, thanks to their new growth engines in our lovely island country of Singapore. To think that LVS almost went into chapter 11 back in 2008, they sure have turned things round very nicely. Till today, LVS is still geared heavily and I believe its stock price has exceeded its fundamentals by far. Genting Singapore has also had a lovely run up but I am skeptical about its upside potential until it reports its next two quarters of earnings. It will probably see $2 eventually but I am looking for a safer proxy to Genting Singapore and that comes in the form of Genting Berhad. First lets have some trivia. Guess how much would an investment in Genting Berhad shares be worth today if an investor bought 1000 shares at RM$1 each in 1971? A WHOPPING RM$2.19 million!!!!! That translates to a CAGR of 22% per annum over the past 38 years. Talk about a good investment. I believe that as good as a stock can go. Currently, Genting Berhad is ranked 9th largest gaming company in the world by market cap. The market cap of the company stands at approx S$14 billion. So why don't I dissect its sum of parts first. Genting Berhad owns 51% of Genting Singapore whose own market cap in Singapore comes up to S$24 billion! So in terms of market cap, Genting Singapore is larger than Genting Berhad! Genting Berhad's stake in Genting Singapore is worth S$12b, its 48% stake in Genting Malaysia is worth S$3.7b and 19.3% stake in Genting Hong Kong is worth S$722m. Those are its stakes in its gaming subsidiaries. Total worth of those stakes come up to S$16.422 billion. So that is more than the market cap of Genting berhad and we have not taken account its stakes in Landmarks (their property development arm), Genting Plantations (its palm oil plantation business), Genting Sanyen Power and Genting China Power (its power generation business in China, India and Malaysia) and Genting Oil and Gas (its oil and gas production arm with interests in China, Morocco and Indonesia). So is that enough value for you? No? I thought so. How about the fact that its the largest casino by EBITDA in the world? Its EBITDA margins are more than 40%. Throw in the 19.5 million visitors per year visiting Genting Highlands. There is also plans for Genting Berhad to operate New York City's first gambling parlor, at the Aqueduct racetrack in Queens. Initial approval is for them to put in 4500 slot machines and electronic table games. The plans are to create a destination resort that would attract both local and international visitors. Need more? Management as remained pretty much the same which is the Lim family which owns 39.6% of the company. Tan Sri Lim Kok Thay who is their CEO has a good track record in allocating capital in a way that benefits shareholders. Balance sheet strength? Genting Berhad now has RM$16.25 billion in cash and it has total liabilities of RM$19.6 billion. Cash generating machine? The fact that the company has generated RM$2.5 billion in operating cashflow yearly since 2007 is an impressive feat. This year it has generated more than that in the first 6 months of 2010. I love consistent and predictable cashflows from operations more than anything else. Still not enough? Then don't bother to invest in anything because nothing will ever be good enough. Oh yes, earnings...they have grown by 120% yoy for the first 6 months of 2010. Even though it's stock price has appreciated 40% since March, we are still looking at a grossly undervalued stock. Just on asset value alone, the stock should be valued in its early teens. So do your maths and you will see the sensible thing is to have some Genting Berhad in your portfolio. I found it so much easier to write this post than Genting Singapore's earlier last month and it felt good too. Note: Technically, the stock will move a little lower in the next couple of days but it will be a good chance to accumulate more of this gem of a stock. Have a good week ahead! Best, SVI |
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| 25-Sep-2010 14:11 |
User Research/Opinions
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******** GENTING ******* BERHAD ********
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Genting Berhad, the South-East Asia's most prominent casino operator, founded by the great Tan Sri Lim Goh Tong back in 1965. It all started when he began the initial development works of building a 20-kilometre private access road, across tough mountainous terrains from the foothills to the summit of Mount Ulu Kali, located at 2,000 metres above sea level. The company was incorporated under the Companies Act 1965 on 30 July 1968 under the original name of Genting Highlands Hotel Sdn Bhd to operate a hotel and casino, and to develop an integrated tourist complex in Genting Highlands, Malaysia. The company changed its name to Genting Highlands Hotel Berhad upon its its conversion into a public company on 24 July 1970. It assumed its present name of Genting Berhad on 9 June 1978. Genting Group via Genting Berhad became involved in palm oil production in 1980 with the acquisition of The Rubber Trust Group, comprising three Hong Kong plantation companies which owns approximately 13,660 hectares of plantation land in Peninsular Malaysia. This division under listed entity Genting Plantations Berhad now has about 133,000 hectares of land in Malaysia and Indonesia. It is one of the leading and lowest cost palm oil producers in Malaysia. The shares of Genting Berhad were listed on the Main Market of Bursa Malaysia Securities Berhad in 1971. A restructuring exercise was undertaken in 1989, which involved the initial public offering and listing of Genting Malaysia Berhad on Bursa Securities and resulted in Genting Berhad's becoming an investment and management company. Genting Group via Genting Berhad became involved in the electricity power generation and supply and the paper manufacturing businesses in 1994 and in the exploration and production of oil and gas in 1996 under Genting Oil & Gas Limited. I remember, when I first went to Genting Highlands when I was 22, I couldn't help but marvel at the amazing feat of building such a big resort up in the mountains and it must have taken an extraordinary company to achieve it. Add in the fact that they managed to convince a Muslim government to give it a licence to operate a casino in the country with the 2nd largest Muslim population. So far, they are the only ones to be able to attain such a licence and technically granting them a monopoly status in Malaysia. I remember back in 2006, there were a couple of private equity firms that were looking to buy into gambling assets like Harrah and Trump entertainment, putting gaming stocks in the limelight. At that time, credit was cheap and gaming companies were geared up to their necks due to their expansion plans. They were all trading in excess of 20 times p/e and everyone and anyone wanted to own a piece of the gaming business. |
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| 25-Sep-2010 14:03 |
User Research/Opinions
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******** GENTING ******* BERHAD ********
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http://simplevalueinvestor.blogspot.com/2010/09/genting-berhad-top-class-value-cash-cow.html Simple Value InvestorSaturday, September 4, 2010Genting Berhad, a top class value cash cow, RM$9.22What a week!
After kicking off with a slew of new measures by our favourite government in their desperate attempts to cool the property market and ended off with a nice series of economic reports that brought risk taking back into the equity market.
Capping off an interesting week, we saw a stock that was left for the dead for the longest time showing me the most bullish Japanese candle stick (technical analysis terms) I have ever seen.
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| 25-Sep-2010 13:22 |
User Research/Opinions
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~TALENT mIs~develOpment=*WEALTH mIs*dIstrIbUtIOn
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Forget What You Know About Study Habits Cramming the brain like a suitcase does nothing for learning. Psychologists have discovered that some of the most hallowed advice on study habits is wrong. Clear a quiet work space. Stick to a homework schedule. Set goals. Set boundaries. Do not bribe — the findings directly contradict much of this common wisdom. In fact, a few simple techniques can reliably improve how much a student learns from studying. For instance, instead of sticking to one study location, simply alternating the room where a person studies improves retention. So does studying distinct but related skills or concepts in one sitting, rather than focusing intensely on a single thing. “We have known these principles for some time, and it’s intriguing that schools don’t pick them up, or that people don’t learn them by trial and error,” said Robert A. Bjork, a psychologist at the University of California, Los Angeles. Take the notion that children have specific learning styles, that some are “visual learners” and others are auditory; some are “left-brain” students, others “right-brain.” In a recent review in the journal Psychological Science in the Public Interest, a team of psychologists found almost zero support for such ideas. “The contrast between the enormous popularity of the learning-styles approach within education and the lack of credible evidence for its utility is, in our opinion, striking and disturbing,” they concluded. Many study skills courses insist that students find a specific place, a study room or a quiet corner of the library, to work. The research finds just the opposite. The brain makes subtle associations between what it is studying and the background sensations it has at the time, the authors say. It colors the terms of the Versailles Treaty with the fluorescent glow of the dorm study room, say; or the elements of the Marshall Plan with the jade-curtain shade of the willow tree in the backyard. “What we think is happening here is that, when the outside context is varied, the information is enriched, and this slows down forgetting,” said Dr. Bjork. Likewise, varying the type of material studied in a single sitting seems to leave a deeper impression on the brain than does concentrating on just one skill at a time. Research also undermines the intensive immersion approach. Hurriedly jam-packing a brain is akin to speed-packing a cheap suitcase: it holds its new load for a while, then everything falls out. When the neural suitcase is packed carefully and gradually, it holds its contents for far, far longer. An hour of study tonight, an hour on the weekend, another session a week from now: such so-called spacing improves later recall. No one knows why. It may be that the brain, when it revisits material at a later time, has to relearn some of what it has absorbed before adding new stuff — and that that process is itself self-reinforcing. “The idea is that forgetting is the friend of learning,” said Nate Kornell, a psychologist at Williams College in Massachusetts and an author of a study on learning. “When you forget something, it allows you to relearn, and do so effectively, the next time you see it.” |
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| 25-Sep-2010 13:17 |
User Research/Opinions
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~TALENT mIs~develOpment=*WEALTH mIs*dIstrIbUtIOn
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TALENT mIs-develOpment = WEALTH mIs-dIstrIbUtIOn | ||
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