As news of the dropping silver prices continue to dominate financial headlines, I hope that serious precious metal investors are not deterred by the fact that every investment has its unique set of risks, and the recent sell-off is mainly attributed to the speculative advertisements campaigns that has been building up for the past few weeks. In fact, if you look at the bigger picture, crude oil is down just as much. So, what we are looking at is not just the weakening of the silver.

For the past weeks, I’ve been working with St Silver Ventures to bring silver bars to Malaysian investors who are interested in keeping these precious metal in their own ‘Fort Knox’. Of course, one of the obstacles in holding these tangible investment products is ‘warehousing’, and St Silver Ventures has provided various alternatives for that:

As quoted from their website:

Suggestions of places for storage in Malaysia :

1.Royal Safe Deposit Boxes – www.rsdb.com.my

2.Safe Deposit Box Sdn Bhd (795581-A) – www.safedepositbox.com.my

3. My Safe Box – www.mysafebox.com.my

4. Banks with safe deposit facilities.
-Public Bank
-CIMB
-RHB

Find out how you can start investing in physical silver bars today.

A nice piece to start your Sunday morning. Source: Unknown.

Once upon a time, in a place overrun with monkeys, a man appeared and announced to the villagers that he would buy monkeys for $10 each.

The villagers, seeing that there were many monkeys around, went out to the forest, and started catching them.

The man bought thousands at $10 and as supply started to diminish, they became harder to …catch, so the villagers stopped their effort.

The man then announced that he would now pay $20 for each one. This renewed the efforts of the villagers and they started catching monkeys again. But soon the supply diminished even further and they were ever harder to catch, so people started going back to their farms and forgot about monkey catching.

The man increased his price to $25 each and the supply of monkeys became so sparse that it was an effort to even see a monkey, much less catch one.

The man now announced that he would buy monkeys for $50! However, since he had to go to the city on some business, his assistant would now buy on his behalf.

While the man was away the assistant told the villagers, “Look at all these monkeys in the big cage that the man has bought. I will sell them to you at $35 each and when the man returns from the city, you can sell them to him for $50 each.”

The villagers rounded up all their savings and bought all the monkeys.

They never saw the man nor his assistant again, and once again there were monkeys everywhere.

Now you have a better understanding of how the stock market works.

While brushing up on my ‘accounting skills’, here’s a list of profits that is constantly being used:

1. Gross profit = Sales revenue – cost of sales and other direct costs
2. Operating profit (EBIT, earnings before interest and taxes) = Gross profit – overheads and other indirect costs
3. Pretax Profit (EBT, earnings before taxes) = Operating profit – one off items and redundancy payments, staff restructuring – interest payable
4. Net profit (PAT) = Pre-tax profit – tax
5. Retained earnings = Profit after tax (PAT) – Dividends

An investing workshop by CIMB, thanks reader Jasmine for the heads up!

We are pleased to announce that there will be a workshop entitled Basics of Stock Investment by Ms. Pauline Yong, organised by CIMB Investment Bank Berhad.

Speaker’s profile:-
Pauline Yong is an author of two investment books entitled “I Love Stocks” and “Fear and Greed”. She possesses many years of experience in the stock market and also a freelance columnist for Nanyang Siang Pau.

This workshop will cover the following topics:-

- Personal Financial Planning
- Value Investing
- Fundamental Analysis
- Annual reports
- Financial ratios
- Technical Analysis
- Price volume analysis
- Price charts
- Technical indicator
- Market Psychology

Workshop details:

Don’t miss this workshop to learn more about the fundamentals of investment and understanding the stock market. You are encouraged to bring along your personal calculator to this workshop.

For registration, please email events_registration@cimb.com or call 603-7717 3318 not later than 19th November 2010 (Friday).

*Registration is on a first-come-first-serve basis.

Meshio.com is please to bring you one of the most sought-after coach in the financial planning industry- Mr Yap Ming Hui. If you frequent the ‘Personal Finance’ section of local bookstores, you would most likely already ‘met’ Mr Yap Ming Hui from the bookshelves, but alas, nothing beats meeting the real person and you also get to learn the latest financial planning techniques from the man himself.

Mr Yap is also a regular Financial Advisor on NTV7′s ‘The Breakfast Show’ (Tuesdays from 8.45 am – 9.15 am)

So, don’t miss this chance to upgrade yourself financially!

And to all Meshio.com readers, you get 10% off the normal ticket price. So, let me do the math for your here: RM98 – 10% = RM88.20. Offer is only valid if you are reading at Meshio.com and fill up the form below. Valid till my generosity runs out :-)

Here goes the details of the seminar…

‘The New Rules of Money Management’ is a ½ day financial seminar by renowned financial coach and advisor, Yap Ming Hui.

The financial world has changed so much over the last decade. In today’s ever-shifting financial environment you cannot afford to manage money the way generations before us have. The OLD money management rules that used to work are now obsolete and no longer viable. To realistically achieve financial freedom in today’s environment, you need to learn and apply the NEW rules to your money management.

To date, Yap Ming Hui has advised over RM 800 million of wealth portfolio for Malaysia’s multi-millionaires and business owners. He is the top selling author of 5 personal finance books including MAX WEALTH, THE FAMILY OFFICE: The Super Rich ‘s Secret to Wealth Maximization, and the latest Roadmap to Financial Freedom: The Ultimate Guide to Financial Freedom. Yap was a guest speaker on NTV7’s The Breakfast Show, Financial Freedom Minutes aired every Tuesday for 9 weeks running and has his own columns in New Straits Times, Sin Chew Daily and Newman magazine.

The aim of this seminar is to educate financial literacy to participants to learn the essential skills of money management and financial comprehension needed to navigate in today’s complex world of financial products and services to achieve one’s financial goals. Mr Yap believes that Financial Freedom is attainable if you know how to optimize what you have got now, for your future.

WHY IS IT IMPORTANT TO ATTEND?

This is a “How To” seminar which will empower you to understand your personal finances better, and manage it from a holistic approach. You will also learn practical and valuable tips for retirement planning, investment planning, financial security, unit trust, single household income and more during the seminar.

Details of the ½ day seminar as below:

THE NEW RULES OF MONEY MANAGEMENT
Date: Saturday, 27 November 2010

Time: 9.30 am -1.00 pm (registration at 9.00am)

Venue: D’Rapport Auditorium, Off Jalan Ampang, Kuala Lumpur (behind Gleneagles Hospital)

Seminar Fee: RM 98 per person only! (first 50 registrants will get a FREE copy of “Roadmap to Financial Freedom” book worth RM 39.90)

Programme Highlights

The NEW Rules of Money Management: Why you can’t manage your money the way previous generations have?

• Segmental vs. Holistic approach to money management
• How to build your own holistic money management plan?
• Why ROI is not the only factor to your financial freedom?

Making Better Money Decisions Using a Holistic approach:

• Retirement Planning
• Family Financial Security Planning
• Children’s University Education Planning
• Home Purchasing Planning
• Investment Planning
• The TRUE cost of money management mistakes
• Interactive Q & A session with Yap Ming Hui

Disclaimer: Meshio.com does not have any ownership in Yap Ming Hui’s seminars and workshops. Meshio.com does not guaranty or make any warranties, express or implied, as to the quality of services or products that may be provided by Yap Ming Hui. You are advised to contact the owner of www.yapminghui.com for further information.

You heard me right, you get to win an iPod shuffle if you start a trading account with Jupiter Securties, terms and condition applies.

Get your chance to win now by clicking here: Start an Online Trading Account with Jupiter Securities

Oh yeah, did I mentioned that this promotion is only valid for Meshio.com readers?