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Pearl Hill Townhouse

Sale by Public Auction to be held on 14 September 2010.  Reserve Price RM200,000-00.  The property is located at Pearl Hill, Penang.  To read the Proclamation of Sale for property details, terms and conditions.

As always, any interested parties should find out about conditions of title, outstanding maintenance charges including other outgoings  before making a bid.

Posted in Property.

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Taxation

It’s that time of the year again for tax payors rushing to compile all the receipts and EA Forms, insurance receipts for declaration of tax purposes. Alamak, not enough to eat how to pay taxes?

Posted in Miscellaneous.


Is Inflation Eating Up Your Savings?

Inflation is the biggest enemy even for those who do consistent savings. Inflation makes our money less value, we can buy less with RM7 today compared to 2 years ago. For example, you can get 2 meals (2 bowls of mee and drinks) with RM10 two years ago but today, you will need to pay RM12.

This is INFLATION!

In January 2010, our second finance minister said at a business conference in Hong Kong that Malaysia’s Inflation Rate will likely remain in the 1-2% bracket.

HUH???????? I beg to differ. 1-2% inflation? Has he even tried to buy 3 decent meals with RM15 a day?

A pack of 5 Maggie Mee costs RM2.90 last year is now RM3.30 minimum. That is a 13% inflation.
Starting from April 1, 2010, the price of  Ice Cubes by manufacturers will increase from RM2.50 to RM3.50 – 40% Inflation

There is also talk that petrol prices will increase come May this year.  And with the way things are going, it may likely be so.  Have you guys read that the Government is going to make Pulau Redang an exclusive holiday destination with RM1,500 per day?  What the heck?  You can’t increase the price with the excuse of wanting to save the environment.  That would be depriving the average citizens who just can’t afford to pay that kind of money for a local destination, and it would be killing off the tour operators as well.  This FORCED price increase would have negative impact on the income of the hotel and tour operators.

However, we don’t need to spend tons for holidays, nor can we afford holidays as it is.  BUT we do need to eat!!  So, what can we do to put food on the table?

1) Save More (how to save more when many are struggling to make ends meet?)

2) Take a part-time-job such as supermarket promoter, waitressing, part-time sales (almost everyone is doing it)

3) Diversify your money in the savings account into various investments, for capital gain and dividends (remember, even your Fixed Deposit in the bank only gives you 2-3% per annum.  That is way below Inflation Rate making your money less value as it sits in the bank.)


Posted in Wealth Management.


From Waste to Energy

Bio solids or sewage sludge are residue after treatment of waste water. It also includes organic matters, plant nutrients and inorganic compounds which are very valuable, and can be either liquid or solid form depending on the treatment process

Why are we interested in Bio Solids, and how do we make use of  its valuable organic matters and plant nutrients?

Bio solids in raw form can also be used as supplement fertilizers by farmers for decades, but with N-Viro process, bio solids are treated to remove harmful pathogens and complete the organic circle by returning the nutrients to the land.

A company known as N-Viro International Corporation uses bio solids in a patented technology called “the N-Viro Process” which uses lime, and certain mineral by-products to treat and recycle bio-solids into bio-mineral agricultural and soil-enrichment products.

The N-Viro process also uses mineral by-products from cement and lime, fly ash, wood ash, amongst others because these materials contain valuable minerals which are good for agriculture and plant health. It is often blended with materials and bagged for use in home gardens.

Is it different from compost? Well, yes and no. Compost is usually produced in our own backyard, or farmers by mixing bio solids with wood chips or other materials. It requires a balance of the materials and bio solids to provide a stable and disinfected product. N-Viro process however, uses 3 combination reactions of biological, chemical and physical reactions to disinfect bio solids for added security and stability.

Bio solids can also be treated into biomass that has physical and chemical similarities to coal and the end result is “clean coal” making it the cheapest and most abundant form of alternative energy and presents an “opportunity fuel” to the company.

N-Viro has succeeded in turning waste to energy and qualifieds as a renewable energy source (under the renewable energy certificate program) with its patents and technologies which allows it to provide public and private entities complete organic waste recycling programs.

The Company is based in Toledo Ohio and currently has 2 bio solid process facilities in Toledo Ohio and Daytona Florida.

The company stock is also listed in the US OBB Exchange under the symbol NVIC.OB

Posted in Research.