2018年2月21日星期三

Should I Microchip My Pet?


 


A typical pet microchip
In the past couple of years, I’ve noticed a number of posts on the PetFinder.my forum in which members have asked about the benefits,  if any, of microchipping their pets.  There are a lot of misconceptions about microchips – what they do, and how they work.

Let’s begin with what microchips are not:  They are not tracking devices. I think most of us have seen wildlife shows on television in which a biologist attaches an electronic ear tag or some such device to an elk or an elephant and can then trace the animal’s path through the forest or savannah. A microchip, however, is not going to tell you that your dog is halfway to Sunway Lagoon when he runs out of your gate during a thunderstorm.  Such a thing would be a godsend to pet-owners, of course, but microchips simply cannot do that.

So what is a microchip, and what does it do?  A microchip is a passive electronic device, about the size of a grain of rice, which is injected into your pet. In the case of dogs and cats, the chip is typically implanted between the shoulder blades at the base of the neck.  Other species can also be microchipped, including fish, such as Arowana. Someone who thinks to look for it and knows where to check will be able to feel the chip beneath the skin of a dog or cat. The chip stores one piece of information, which is the identity number. The number can later be read by a microchip scanner. Think of it as your pet’s new IC number.

Here comes the problem. (Well, one of the problems — there are quite a few.) In order for this number to be useful, it has to connect to the relevant information about your pet, such as your contact info, pet details, etc. Unfortunately, there is no central database, at least not in Malaysia. PetFinder.my set up what I believe to be the first and only general database to store all the important information about your pet.  You can find out more about that here: http://www.petfinder.my/microchip.htm.
 

A typical pet microchip
Let’s say you decide to microchip Pluto, your dog. You could then go to PetFinder.my and enter Pluto’s and your details into the database.  Now let’s say that Pluto decides to go off on a little “holiday” — alone. This is where we meet another set of problems with the microchip concept in Malaysia.  Council dog-catchers generally neither know nor care about microchips and so won’t bother feeling around the scruff of Pluto’s neck to look for one. Should some kind soul drop Pluto off at SPCA or PAWS, the shelter staffs generally don’t check either, and neither shelter has a scanner.  In the best case, Pluto would end up at a vet clinic — a clinic that has a) a microchip scanner, b) a vet who thinks to check for the presence of a microchip, and c) a vet who knows that PetFinder.my has a centralized database and takes the time to look up Pluto’s number there. Phew! Let’s be honest: you’ll have better luck putting up posters and offering a reward.

Now, if Pluto is a purebred pooch, your chances are slightly better. Repeat: slightly.  The Malaysian Kennel Association (MKA) requires its members to microchip all registered puppies before they are sold, and MKA maintains that database.  Here’s how that works: let’s say a breeder wants to register a litter of 6 pups. The MKA collects all the data about the pups’ genders, colors, parentage, etc.  If everything checks out (both parents are registered, the fees have been paid), MKA issues the registration certificates for the puppies and 6 microchips, to be injected by the breeder’s vet.  Do you see the problem with this scheme? At the same time that someone at MKA is typing the information into their database, the vet is injecting the microchips into the pups. It’s possible that chip number 12345, which an administrator at MKA is randomly assigning to an apricot female in the litter, is getting injected into Pluto, a black male. Further, the MKA database will show the name and contact info of the breeder. If no one ever updates that info, there it stays. If you are Pluto’s 3rd or 4th owner, it’s unlikely the breeder will know about you.

People who plan to travel abroad with their pets will likely discover the destination country’s requirement that the animal be microchipped. This is to ensure that the animal who was certified healthy for export in Malaysia is the same animal arriving in, for example, France. Here is where we hit yet another snag in the already jumbled world of microchips:  There are different standards for the chips.

If your pet is traveling to Hong Kong, he must have an AVID chip; if he’s going to Europe, there will likely be an ISO-standard which each country will specify. The United States has yet to settle on one standard, and names like Trovan and FECAVA float around there.  If your jet-setter show cat is traveling to many different countries, you will need to either implant multiple chips or hope that the authorities have a broad-spectrum scanner which reads several different formats. MAS Kargo has one of these, but there isn’t one at KLIA terminal, so animals which have flown in the passenger compartment as carry-ons will need to have the correct chip for Malaysian standards.  If you are microchipping a pet before international travel, be sure to check which type of chip is required!

Microchipping is a technology which could facilitate recovery of lost or stolen animals, but it requires the following to work effectively:
  • A centralized and well-maintained database
  • People who know to (and are willing to) check for the presence of a microchip
  • Scanner operators who know to look in the centralized database for the animal’s record

At the moment, Malaysia has none of the above, or few of them. The centralized database is the key. It would probably make sense for an entity such as the Department of Veterinary Services to manage the data, but that of course requires funding for hardware, software and administration. At present, PetFinder.my’s database is the best place to store your contact information should you decide to microchip your pet.  In the meantime, a good old-fashioned name tag with your contact details affixed to your pet’s collar is the best alternative.
 
  • With many thanks to Jimmy Lee and Angela Mun of Home Pet Food & Care in Sri Petaling and owners of Felis Wonder Maine Coons for sharing their time and knowledge with me for this article.

2018年2月20日星期二

Cukai Pintu

https://online.mpsp.gov.my/cukaipintur.asp

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2018年2月15日星期四

马股大减价:你不敢想象的十大便宜股 – 第二篇

西山股庄@财务自由之旅

日期: 二月 14, 2018

在度过两周红红的股市后,过去三天美国股市皆有小小起色,今天继续撰写第二篇10家离52周新高低于超过30%的公司。而这些深跌的股未来说不定会迎来反弹哦!

如果还没看到第一篇的朋友们,可看以下链接。由于实在是太多这些可悲的公司了,所以笔者将会分三篇撰写。

马股大减价:你不敢想象的十大便宜股 – 第一篇


**52周新高的股价是取自于malaysiastock.biz,股价亦包含了bonus issue和dividend的调整。


1. PERSTIM

曾经的高股息公司,也是冷眼曾经的分享推荐股。现在的营业额是近9年来最高点,可是净利却是历来新低。目前现在虽然握有雄厚的资金,可是2018财政年却仍然未公任何股息,可见PERSTIM目前的状况有多严峻。PERSTIM提到生产成本(production cost)上升,不过通常生产成本通常是原料价格为主的,所以相信是其原料价格上涨,而公司亦没有能力(bargaining power)议价以保持竞争力。在失去股息派发的一大利好后,PERSTIM自然地失去投资者们的焦点,股价大幅度下滑并不让人惊讶。

2. SUPERLN

算是笔者插肩而过的好股,当时只读过它的新闻却没进一步了解而错失了。公司基本面仍然没有太大的问题,净利过去两个季度下跌主因来自原料价格上涨。不过股价的下滑幅度则远远超越净利下跌,是之前市场期望太高还是现在股价超卖了呢?

无论如何,SUPERLN还是报有看头,其越南厂也在建设中。今天有位持有SUPERLN从赚翻倍到今天赚幅减半的朋友告诉我现在SUPERLN还是值得买入来长期收,到底是不是真的呢,时间会是最好的答案。

3. SENDAI

官有缘曾经的推荐股。与其他下跌股不一样的是,SENDAI过去三个季度净利是大幅度成长的,如无意外第四个季度的净利亦可以转亏为盈呢!可是奇怪的是股价却从高峰大幅度下滑。

预计第四个季度保持RM15million~RM20million净利,P/E将会低于10,看起来好像很便宜,但笔者认为SENDAI的估值还是暗潮汹涌的。

SENDAI是背负大量的债务的。而之前盘算的private placement的计划也取消了(或许股价太低了),使债务问题无法得以纾解。笔者认为SENDAI的负债比例(市值近RM600million,净负债达RM892million)实在是太高了,如果市场崩盘,SENDAI应该是率先倒下的先锋。

另外,去年的获取的合约也不如分析员的预期,而且SENDAI主攻海外市场,马币强势对SENDAI的影响不小。

4. MAGNI

股价曾经去到笔者羡慕不已的RM7++,现在股价却狠狠地下跌46.2%。虽然美金下滑对MAGNI有影响,但是营业额成长停滞才是股价被拉下马的最大因素。目前的P/E值才6.29,如果未来净利即使持平,现在买来收股息是不错的选择。不过不排除其净利表现持续下滑,毕竟MAGNI实在是太依赖单一客户了。

5. EG

EG的52周最高点恰恰落在去年今天,而现在股价是接近最低点。去年right issue集资扩充后,净利表现中规中矩,但是股价却下滑不少。EG的扩充计划能否成功暂时是未知数,不过起码EG没有像其他公司面对原料价格上涨,营收减少的大问题,相信可下跌的空间不大,不过现在暂时没有催化剂激励股价回弹。

6. AJIYA

说到AJIYA就会联想到IBS,但是其IBS却没让它的赚幅高于他人。2017年的净利表现可说是非常差劲,税前盈利RM18million当中有RM9.5million是other income(包括变卖资产一次性盈利),因此股价下跌是合理的。不过,现在RM180million的市值却抱有RM69million的净现金某程度上还是蛮诱人的。另外,AJIYA过去几年的营业额并没有大突破,而去年签署一大堆Memorandum of understanding却暂时皆没能成事,股价能否反弹还有待观察。

7. BPPLAS

又一家因原料价格(resin)上涨而净利大受影响的公司。BPPLAS继续引进新机器扩充产能,未来营业额成长可期,可是原料价格的影响实在是太大了,因此目前的BPPLAS还是没有多大看头。

8. COMCORP

自从宣布卖出主要业务后,COMCORP的股价一直让笔者某不着头脑,到底市场先生对这项消息是持有开心还是伤心的态度呢?股价又上又下的,来到今日的低点RM0.725。对于这项消息,笔者认为是好事。一是主要业务表现开始下滑,可以以RM123.8million卖出是属于不错的交易价格,毕竟比目前的COMCORP市值还高呢。二是可专注green waste 业务,不过这点暂时属于中和情况,因为green waste听起来是趋势不错的行业,可是COMCORP能否做好还是未知数,而且需要多年经营才能看到其成效,如果买入COMCORP纯属是为了其一次性股息派发实在是没有必要,因为如果看中其green waste业务大可以在股息派发后才买入。

9. MITRA

除了净利表现连续两个季度下滑外,MITRA宣布right issue也是股价低迷的一大主因。根据笔者的观察,通常一家公司的股价在宣布right issue时期都是低沉的。而MITRA以right issue融资竟然只为了还债而不是用作扩充,而这也是笔者最不欣赏的做法了。不过,MITRA看似没有更好的方法来减缓其RM265million的净负债,right issue 过后相信也只能减轻一半的债务而已。

10. EKOVEST

与其他因为净利下滑的股相比,EKOVEST算是比较可怜的公司,因为EKOVEST股价下滑主要受BANDAR MALAYSIA事件和收购IWCITY的消息而拖累。

今年股价两度单日拉升至突破RM1(相信被人操纵炒高)但过后也回跌至RM1以下的水平。无论如何,其IWCITY收购结果一天未落实,EKOVEST的基本面再好也暂不值一提。

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马股大减价:你不敢想象的十大便宜股 – 第一篇

过去两周大马股市的公司跌多升少,可说是被熊欺凌的股市,这会是大熊市的前奏还是小熊市的短暂的关顾呢,没人说得准。无论如何,这段时间已经让一些公司的股价已经跌到笔者无法想象的低了,而这些公司是否受到市场恐慌而导致被低估呢,还是这些股就是便宜廉价货而已,不值一买,这就见仁见智了。 
无论如何,过去两天美国股市有小小起色,或许之前深跌的股会迎来反弹哦。让笔者简单地为大家探讨这些离52周新高低于超过30%的公司。由于实在是太多这些可悲的公司了,所以笔者将会分三篇撰写。 

**52周新高的股价是取自于malaysiastock.biz,股价亦包含了bonus issue和dividend的调整。 

1.PRLEXUS 穷得只剩下钱的公司,目前市值RM103million,净现金却高达近RM50million。拥有大量的现金是因为前年right issue融资以作扩充。可是扩充还未完成营业额却节节下滑,可看得出其竞争力下滑。PRLEXUS虽然握有大量现金比例,可capital commitment已备RM80million以做扩充,或许还需借贷才能完成扩充计划,而且需知道扩充未必代表未来能带来营业额成长,所以扩充可能反倒是PRLEXUS的累赘呢。 
2. KAREX 记得去年五月KAREX又交出令人失望的季报后,朋友告诉我如果KAREX跌到XXX他必定买入,笔者当时表示买入时机未到喔,当然现在跌到这么惨他也怕了怎么敢接掉下来的刀呢。 
虽然笔者认为KAREX

美金贬值对这25家出口股的影响有多大呢?

近期美元兑马币持续贬值,从去年初的4.4++跌至3.93左右,一年就贬值了12%左右。对大马股市而言,最吃亏当然非出口股莫属啦。想当初2015年下半段美金大起,几乎所有出口股都受惠,股价都大幅上升。现在风水轮流转,美金贬值让出口股的股价欲振乏力。 

不过,美金贬值到底对出口股的净利影响有多大呢?10%?20%?与其胡乱猜测,倒不如看个股的年报更好。 
在年报的additional notes中,都会有一点是提及Financial risk的。当中会提及foreign currency risk,而公司都会以sensitivity analysis展现外汇对他们的影响有多大。以HARTA为例子,在2017年报第136页就有外汇风险的sensitivity analysis,即表示在所有其他因素保持不变的情况下,美元贬值5%,在2017年的净利将会减少RM6.4million左右。当然,这里肯定不止提及美金而已,如果有其他外汇对公司有较大的影响皆会提及,如欧元,人民币等等。 

而笔者则整理了这25家以出口或销售以美金为主的公司,根据其年报探讨美金的影响有多大,如下图所示。 
以HARTA

何时应该卖出如PENTA,HENGYUAN等超级好股?

如果有一天时间回到2017年一月初期,(不过你现在2017年的记忆也被删除)而你发现你的投资户口曾以RM1.40买入PENTA,RM2.20买入HENGYUAN,或一些你喜爱的公司成功以当时的低价格买入。你觉得你能坚持陪同公司成长而不是赶紧半途下车锁定盈利吗? 
以下统称这些公司为超级好股。 
当然,事实上我们有非常小的机会卖在最高点。比如说你去年卖一家公司于RM1.60,赚了30%利润,现在今年已经起到RM2.00,其实不会觉得太大的可惜,因为你已经达到盈利目标,卖出后的钱投入于其他公司可能有更高的回报,卖出后的价格就忘了他吧。可是如果去年你卖RM1.60,现在股价是RM4.00,你就感觉到真的无限囧囧囧囧囧囧囧囧囧囧囧囧囧囧囧囧了,你会责骂自己怎么会放过自己曾经看好的股票呢? 
以PENTA为例,假设投资者A以RM1.40买入,RM2.10卖出,赚取50%盈利,这有错吗? 假设投资者B以RM0.80买入,RM1.60卖出,赚取100%盈利,这有错吗? 假设投资者C以RM2.00买入,现在还持有,纸上196%

2018年2月12日星期一

Hack Excel Cell


Sub PasswordBreaker()
'Breaks worksheet password protection.
Dim i As Integer, j As Integer, k As Integer
Dim l As Integer, m As Integer, n As Integer
Dim i1 As Integer, i2 As Integer, i3 As Integer
Dim i4 As Integer, i5 As Integer, i6 As Integer
On Error Resume Next
For i = 65 To 66: For j = 65 To 66: For k = 65 To 66
For l = 65 To 66: For m = 65 To 66: For i1 = 65 To 66
For i2 = 65 To 66: For i3 = 65 To 66: For i4 = 65 To 66
For i5 = 65 To 66: For i6 = 65 To 66: For n = 32 To 126
ActiveSheet.Unprotect Chr(i) & Chr(j) & Chr(k) & _
Chr(l) & Chr(m) & Chr(i1) & Chr(i2) & Chr(i3) & _
Chr(i4) & Chr(i5) & Chr(i6) & Chr(n)
If ActiveSheet.ProtectContents = False Then
MsgBox "One usable password is " & Chr(i) & Chr(j) & _
Chr(k) & Chr(l) & Chr(m) & Chr(i1) & Chr(i2) & _
Chr(i3) & Chr(i4) & Chr(i5) & Chr(i6) & Chr(n)
Exit Sub
End If
Next: Next: Next: Next: Next: Next
Next: Next: Next: Next: Next: Next
End Sub

2018年2月10日星期六

RYL 2 Resolution Guide




How to change ingame resolution.


WARNING: We do not take any responsiblity when you modify your registry.
You can kill your harddisc at any time with wrong changes.



---Open Registry (regedit)
1> Close the game.
2> Go to the desktop.
3> Click on Start button (left side bottom)
4> Go to *RUN* (on winows7 it's the left bottom side when you opend *Start*)
5> Write *regedit* and press enter.

---Search the NP-Client
-> on 32 bit Computer / HKEY_LOCAL_MACHINE / SOFTWARE /GAMASOFT / NP-Client
-> on 64 bit Computer / HKEY_LOCAL_MACHINE\SOFTWARE\wow6432Node\GamaSoft\NP-Client

---Modify the decimals (Height & Width)
1> Double click on Height or-and Width
2> Now you get a window wich shows "Hexadecimal and Decimal"
3> Switch to "Decimal"
4> Change it to the wished size you want and click enter.




How to setup Window mode


WARNING: We do not take any responsiblity when you modify your registry.
You can kill your harddisc at any time with wrong changes.



---Open Registry (regedit)
1> Close the game.
2> Go to the desktop.
3> Click on Start button (left side bottom)
4> Go to *RUN* (on windows 7 it's the left bottom side when you open *Start*)
5> Write *regedit* and press enter.

---Search the NP-Client
-> Computer / HKEY_LOCAL_MACHINE / SOFTWARE /GAMASOFT / NP-Client

---Create the windowmode
1> Right click to somewhere and click new (neu)
then choose DWORD 32bit

2> Now you get a new file wich you have to rename.

3> Rename it to "Windowmode" and take a look on the hex string.

4> Now double click on it.
Now you get a window wich shows "Hexadecimal and Decimal"
Switch to "Decimal"
Change it to "1" and press OK.

If you want to take off Windowmode just change it to "0" or delete the hex string.



The following WidthxHeight works but result can be different.
WidthxHeight

640x480
800x600
1024x768
1152x864
1280x800
1280x960
1440x900
1600x1200
1680x1050
1920x1200

2018年2月7日星期三

迷你蛋挞

迷你蛋挞


之前试过做3次蛋挞都不成功
不久前和一位姐妹去上蛋挞课
从中得到了一些技巧
就是之前我把面团搓太久的关系
变得油水分离
饼皮烘好出来都是硬绷绷的
口感超级不好
上了课后
信心增加了哦
不出乎意料的 我成功了
可是
总觉得迷你蛋挞总是缺少一些什么的
想了很久 我想到了
就是太小了
咬下去的一刹那
就是陷料的口感不够多
所以龙师奶决定下次不再做迷你的

原食谱来自step wong

皮料:
240g 面粉
150 牛油
一粒 鸡蛋
半茶匙 发粉
一点盐

陷料:
360g 牛奶
3粒 鸡蛋(打散)
90g 糖

做法:
1,把陷料拌均过滤,备用。
2,面粉和发粉过筛,加牛油搓成饼碎状,加鸡蛋搓成团。
3,把小面团压入塔模,底部叉洞,以180度-190度烤约15-10分钟
至金黄,取出。
4,将蛋汁倒入塔内,以180度烤20-25分钟或至熟即可。