關於 financial decision-making ，我們在網路上蒐集到這些相關的討論、資訊與評價

感恩所有报馆的报道 🙏
谢谢 💓 丽玲姐姐爱你们 🥳

抗疫时期应有✅的理财💰知识

谢谢南洋商报 💓 南洋商报 Nanyang Siang Pau
https://www.enanyang.my/北马/槟财务规划委员会-711联办中文理财论坛

谢谢中国报 💓 China Press (中國報)
http://penang.chinapress.com.my/20210630/%E7%96%AB%E6%83%85%E4%B8%8B%E7%9A%84%E7%90%86%E8%B4%A2%E7%9F%A5%E8%AF%86%E8%AE%BA%E5%9D%9B-711%E7%BA%BF%E4%B8%8A%E7%BA%A6%E5%AE%9A%E6%82%A8/

谢谢 光华报 💓 光华日报 Kwong Wah Yit Poh
https://www.kwongwah.com.my/20210630/%E6%8A%97%E7%96%AB%E6%97%B6%E6%9C%9F%E5%BA%94%E6%9C%89%E7%9A%84%E7%90%86%E8%B4%A2%E7%9F%A5%E8%AF%86%E8%AE%BA%E5%9D%9B%E7%BA%A6%E5%AE%9A%E6%82%A8%EF%BC%81/

谢谢光明日报 💓 Guangming Daily-光明日报
https://guangming.com.my/%e6%aa%b3%e8%8f%af%e9%9d%92%e5%9c%98%e7%90%86%e8%b2%a1%e8%ab%96%e5%a3%87-%e8%ab%96%e7%96%ab%e6%9c%9f%e7%90%86%e8%b2%a1%e5%8e%9f%e5%89%87%e7%9f%a5%e8%ad%98

谢谢 💓
https://cforum.cari.com.my/forum.php?mod=viewthread&tid=4284590&extra=

谢谢 💓
https://hotlah.cari.com.my/portal.php?mod=view&aid=154665

谢谢 星州日报 💓
https://www.sinchew.com.my/content/content_2511737.html

谢谢 💓 南洋商报 - 北马区
https://www.enanyang.my/北马/不仅储蓄-投资也是理财

谢谢 💓 The Star The Star
https://www.thestar.com.my/metro/metro-news/2021/07/15/pandemic-driven-financial-habits

Facing financial problems during the fighting periods against the pandemic

Dr Tan Chuan Hong: Welcome to free registration for attending 711 Mandarin Personal Financial Planning Forum.

The Chairman of the Malaysian Financial Planning Council Penang Chapter, Dr. Tan Chuan Hong urged the public to register to join the forum which will be held on July 11 (Sunday) at 2:30 pm. The forum “Knowledge, Attitude and Implementation of Personal Financial Planning during the Fighting Period against the Pandemic" is organised by Penang Chinese Town Hall Youth together with live broadcaster "Ling Listening to Your Heart".

He said that during the fighting period of more than a year against the pandemic, many people are facing financial pressures and suffering from mental illnesses such as depression, and there is a gradual increase in them.

Dr Tan Chuan Hong said that beside public hope that the government can give more assistance and revitalization packages to assist them, the council also hopes to provide more correct and positive financial management knowledge through this Personal Financial Planning forum. So that, the public can have a broader and long-term vision to deal with their own financial problems, whether it is to increase income and reduce expenditure, relieve debt pressure, prudent and smart investment or asset allocation and other arrangements as well as have a better understanding and wise decision-making.

"In terms of financial management attitude, we should handle financial crisis more carefully, and at the same time avoid overconfidence and fluke mentality to seek for opportunities of rapid gaining investment.”

Dr Tan Chuan Hong hopes that through this Personal Financial Planning forum, people can have a more rational attitude and strive to reduce emotional consumption when implementing their own money and avoid falling into investment scams with smarter financial management.

In addition, Penang Chinese Town Hall Youth YouTalk Online Bureau Chief said that the online live broadcast sharing session planned by Penang Chinese Town Hall Youth will mainly discuss about public welfare content related to citizens' awareness.

This is the sixth event which was also co-organized by the Penang Chapter of MFPC collaborated with famous artist Cindy Po 傅丽玲 ; and an interview will be carried out among Deputy President of Malaysian Financial Plaining Council Dr Chong Kok Fei who is also a Financial Education Manager of AKPK together with Chairman of MFPC Penang Chapter and Certified MFPC Trainer Dr Tan Chuan Hong.

Those who are interested in participating in this online Personal Financial Planning online forum can register for free (for the public) https://1st.mfpc.org.my/PublicEventRegistration/280, and (for MFPC members) through https://1st.mfpc .org.my and will get 2 CPDs points.

My sister, Michelle-Ann Iking's 3% chance of conceiving naturally was a success! Here's her story:

(My apologies as I've been overwhelmed with personal matters. I've only managed to get to my desk. So finally got around posting this).

This is the story behind my sister's pregnancy struggle and how she shared her journey over her Facebook page.

Because some may have not caught her LIVE session chat with me (https://www.facebook.com/daphneiking/videos/687743128744960/) , or read her lengthy post (as it's a private page);
she's allowed me to copy and paste it over my wall, in case you need to know more about her thought process on how AND why she focused on the 3% success probability. Read on.

-------------------------------------------

Posted 10th May 2020.
FB Credit: Michelle-Ann Iking

A week ago today I celebrated becoming a mother to our second, long awaited child.

Please forgive this mother's LONG (self-indulgent) post, journalling what this significant milestone has meant for her personally, for her own fallible memory's sake as well as maybe to share one day with her son.

If all you were wondering was whether I had delivered and if mum and bub are OK, please be assured the whole KkLM family are thriving tremendously, and continue scrolling right along your Newsfeed 😁.

OUR 3% MIRACLE

All babies are miracles... and none more so than our precious Kiaen Aaryan (pronounced KEY-n AR-yen), whose name derives from Sanskrit origins meaning:

Grace of God
Spiritual
Kind
Benevolent

...words espousing the gratitude Kishore and I feel for Kiaen's arrival as our "3% miracle".

He was conceived, naturally, after 3 years of Kishore and I hoping, praying and 'endeavoring'... and only couples for whom the objective switches from pure recreation to (elusive) procreation will understand how this is less fun than it sounds ...

3 years during which time we had consensus from 3 different doctors that we, particularly I (with my advancing age etc etc) had only a 3% chance of natural conception and that our best hope for a sibling for our firstborn, Lara Anoushka, was via IVF.

Lara herself was an 'intervention baby', being one of the 20% of babies successfully conceived through the less intrusive IUI process, after a year and a half of trying naturally and already being told then my age was a debilitating factor.

We had tried another round of IUI for her sibling in 2017 when Lara was a year old. And that time we fell into the ranks of the 80% of would-be parents for whom it would be an exercise in futility... who would go home, comfort each other as best they could, while individually masking their own personal disappointment... hoping for the best, 'the next time around'...

So the improbability ratio of 97% against natural conception of our second baby, as concurred by the combined opinion of 3 medical professionals, was a very real, very daunting figure for us to have to mentally deal with.

Deep, DEEP, down in my heart however, though I had many a day of doubt... I kept a core kernel of faith that somehow, I would again experience the privilege of pregnancy, and again, have a chance at childbirth.

And so, the optimist in me would tell myself, "Well, there have to be people who fall in the 3% bucket... why shouldn't WE be part of the 3%?"

Those who know me well, understand my belief in the Law of Attraction, the philosophy of focusing your mind only on what you want to attract, not on what you don't want, and so even as Kishore and I prepared to go into significant personal debt to attempt IVF in the 2nd half of 2019, I marshalled a last ditch effort to hone in on that 3% chance of natural conception... through research coming across fertility supplements that I ordered from the US and sent to a friend in Singapore to redirect to me because the supplier would not deliver to Malaysia.

I made us as a couple take the supplements in the 3 month 'priming period' in the lead up to the IVF procedure - preconditioning our bodies for optimum results, if you will.

At the same time, I had invested in a sophisticated fertility monitor, with probes and digital sensors for daily tracking of saliva and other unmentionable fluid samples, designed to pinpoint with chemical accuracy my state of fertility on any given day.

(UPDATE: For those interested - I obtained the supplements and Ovacue Fertility Monitor from https://www.fairhavenhealth.com/. Though I had my supplies delivered to a friend in Singapore, and redirected to me here since the US site does not deliver to Malaysia, there are local distributors for these products, you will just have to research the trustworthiness of the vendors yourself...)

I had set an intention - in the 3 months of pre-IVF priming, I would consume what seemed like a pharmacy's worth of supplements, and track fertility religiously... in hopes that somehow, within the 3 month priming period, we would conceive naturally and potentially save ourselves a down payment on a new property... and this was just a projection on financial costs of IVF, not even considering the physical, emotional and mental toll it involves, with no guarantee of a baby at the end of it all...

It was a continuation of an intention embedded even with my first pregnancy, where all the big ticket baby items were consciously purchased for use by a future sibling, in gender neutral colours, in hopes that sibling would be a brother "for a balanced pair", though of course any healthy child would be a welcome blessing.

It was a very conscious determination to always skew my thoughts in service of what the end objective was. For example, when 3+year old Lara would innocently express impatience at not yet having a sibling, at one point suggesting that since we were "taking too long to give her a baby brother/sister", perhaps we should just "go buy a baby from a shop", instead of getting defensive or berating the baby that she herself was, we enlisted Lara's help to pray for her sibling... so in any place of worship, or sacred ground of any kind that we passed thereon, Lara would stop, close her eyes, bow her small head and place her tiny hands together in prayer, reciting earnestly, "Please God, please give me a baby brother or baby sister."

After months and months of watching Lara do this, in the constancy of her childlike chant, Kishore started feeling the pressure of possibly disappointing Lara if her prayer was not answered. Whereas for me, Lara's recitation of her simple wish became like a strengthening mantra, our collective intention imbued with greater power with each repetition, and the goal of a sibling kept very much in the forefront of our minds (hence our calling Lara our 'project manager' in this endeavour).

And somehow in the 2nd month of that 3 month period, a positive + sign appeared on one of the home pregnancy tests I had grown accustomed to taking - my version of the lottery tickets others keep buying in hopes of hitting the jackpot, with all the cyclical anticipation and more often than not, disappointment, that entails...

This time however I was not disappointed.

With God's Grace, (hence 'Kiaen', a variation of 'Kiaan' which means 'Grace of God'), my focus on our joining the ranks of the 3% had materialised.

It seems poetic then, that Kiaen chose to make his appearance on the 3rd May, ironically the same date that his paternal great-grandfather departed this world for the next... such that in the combined words of Kishore and his father Kai Vello Suppiah,

"The 1st generation Suppiah left on 3rd May and the 4th generation Suppiah arrived on 3rd May after 41yrs...
One leaves, another comes, the legacy lives on..."

***

KIAEN AARYAN SUPPIAH'S BIRTH STORY

On Sunday 3rd May, I was 40 weeks and 5 days pregnant.

The baby was, in my mind, very UN-fashionably late past his due date of 29th April, so as much as I had willed and 'manifested' the privilege of pregnancy, to say I was keen to be done with it all was an understatement.

In the weeks leading to up to my full term, I had experienced increasingly intense Braxton-Hicks 'practice contractions' - annoying for me for the discomfort involved, stressful for Kishore who was on tenterhooks with the false alarms, on constant alert for when we would actually need to leave home for the hospital.

Having become a Hypnobirthing student and advocate from my first pregnancy with Lara, and thus being equipped with
(1) a lack of fear about childbirth in general and
(2) a basic understanding of how all the sensations I would experience fit into the big picture of my body bringing our baby closer to us,
I was less stressed - content to wait for the baby to be "fully cooked" and come out whenever he was ready... though I wouldn't have minded at all if the cooking time ended sooner, rather than later.

With Lara, I had been somewhat 'forced' into an induced labour, even though she was not yet due, and that had resulted in a 5 DAY LABOUR, a Birth Story for another post, so I was not inclined to chemically induce labour, even though I was assured that for second time mothers, it would be 'much faster and easier'...

That morning, I had a hunch *maybe* that day was the day, because in contrast to previous weeks' sensations of tightening, pressure and even spasms that were concentrated in the front of my abdomen and occasionally shot through my sides and legs, I felt period - like cramping in my lower back which I had not felt before throughout the pregnancy.

It was about 8am in the morning then, and my 'surges' were still relatively mild ('surges' being Hypnobirthing - speak for 'contractions', designed to frame them with the more positive connotations needed to counteract common language in which childbirth is presented as something that is unequivocally painful and traumatic, instead of the miraculous, powerful and natural phenomenon it actually is).

I recall (masochistically?) entertaining the thought of opting NOT to have an epidural JUST TO SEE WHAT IT WOULD BE LIKE...

I figured this would be the last time I would be pregnant and so it would be my 'last chance' to experience 'drug free labour' which, apart from the health benefits for baby and mother, might be *interesting* in a way that people who are curious about what getting a tattoo and skydiving and bungee jumping are like, might find these *interesting*...even knowing there will be pain and risk involved...

Since I have tried tattoos and skydiving (unfortunately not being able to squeeze in bungee-jumping while my life was purely my own to risk at no dependents' possible detriment) a similar curiousity about a no-epidural labour was on my mind...

In the absence of other signs of the onset of labour (like 'bloody show' or my waters breaking), I wanted to wait until the surges were coming every few minutes before we actually left the house for the hospital, not wanting to be one of those couples who rushed in too early and had interminable waits for the next stage in unfamiliar, clinical surroundings and/or were made to go home in an anti-climatic manner.

I was even calm enough through my surges to have the presence of mind to wash and blowdry my hair, knowing if I did deliver soon I would not be allowed this luxury for a while.

Around 9am I asked Kishore to prep for Lara and himself to be dressed and breakfasted so we could head to hospital soon, while I sent messages to family members on both sides informing them 'today might be the day.'

My mother, who had briefly served as a midwife before going back into general nursing and then becoming a nursing tutor, prophetically stated that if what I was experiencing was true labour, "the baby would be out by noon".

The pace in which my surges grew closer together was surprisingly quicker than I expected; and while I asked Lara to "Hurry up with breakfast" with only a tad more urgency than we normally tell her to do, little Missy being prone to dilly-dallying at meals, I probably freaked Kishore out when about 930am onwards, I had to instinctively get on my hands and knees a couple of times, eyes closed, trying to practice the Hypnobirthing breathing techniques I had revised to help along the process of my body birthing our child into the world.

I recall him saying a bit frantically as I knelt at our front door, doubled over as he waited for Lara to complete something or other, "Lara hurry up! Can't you see Mama is in so much pain and you are taking your own sweet time??!!"

SIDETRACK: Just the night before, Lara and I had watched a TV show in which a woman gave birth with the usual histrionics accompanying pop culture depictions of labour.

Lara watched the scene, transfixed.

I told her, simply and matter-of-factly, "That's what Mama has to do to get baby brother out Lara, and that's what I had to do for you also."

In most of interactions with my daughter, I have sought to equip her to face life's situations with calmness, truthful common sense, and ideally a minimum of drama.

Those who know the dramatic diva that Lara can be will know that this is a work-in-progress, but her response to me that night showed me some of my 'teachings' were sinking in:

She looked at me unfazed, "But Mama," she said. "You won't cry and scream like that lady, right? You will be BRAVE and stay calm, right?"
#nopressure.

So as we prepped to leave for the hospital I did indeed attempt to be that role model of calm for her, asking her only for her help in keeping very quiet,
"Because Mama needs to focus on bringing baby brother out and she needs quiet to concentrate...".

As we left the house at 10.11am, I texted Kishore's sister Geetha to please prep to pick up Lara from the hospital, and was grateful Kishore had the foresight to ask our gynae to prepare a letter for Geetha to show any police roadblocks between my in-laws' home in Subang Jaya and the hospital in Bangsar, this all happening under the Movement Control Order (MCO).

To Lara's credit, in the journey over to the hospital, she - probably sensing the gravity of the situation, sat very quietly in her seat at the back, and the silence was punctuated only by my occasional deep intakes of breath and some variation of my Ohmmm-like moans when the sensations were at their height.

By the time we got to Pantai Hospital at around 10.30am, my surges were strong enough I requested a wheelchair to assist me in getting to the labour ward, as I did not trust my own legs to support me... and Kishore would have to wait until Geetha had arrived to take Lara back to my in-laws' house before he himself could go up.

I slumped in the wheelchair and was wheeled up to the labour room with my eyes closed the whole time, trying to handle my surges.

I didn't even look up to see the attendant who pushed me... but did make the effort to thank him sincerely when he handed me over, with what seemed like a palpable sense of relief on his part, to the labour ward nurses.

The nurse attending me at Pantai was calm, steady and efficient. I answered some questions and changed into my labour gown while waiting for Kishore to come up, all the while managing the increasingly intense surges with my rusty Hypnobirthing breathing techniques.

By the time Kishore joined me at around 11am (I know these timings based on the timestamps of the 'WhatsApp live feed' of messages Kishore sent to his family), I was asking the nurse on duty, "How soon can I get an epidural??" thinking what crazy woman thought she could do this without drugs???!!!

The nurse checked my cervix dilation, I saw her bloodied glove indicating my mucous plug had dislodged, and she told me, "Well you are already at 7cm (which, for the uninitiated, is 70% of the way to the 10cm dilation needed for birthing), you are really doing well, if you made it this far without any drugs, if can you try and manage without it... I suspect within 2 hours or less you will deliver your baby and since it will take about that time for the anaesthesiologist to be called, epidural to be administered and kick in... it might all be for nothing... but of course the decision is completely up to you... "

So there I was, super torn, should I risk the sensations becoming worse... or risk the epidural becoming a waste?? And of course I was trying to decide this as my labour surges were coming at me stronger and stronger...

I was in such a dilemma...because as a 'recovering approval junkie' there was also a silly element of approval-seeking involved, ("The nurse thinks I can do this without drugs... maybe I CAN do this without drugs... Yay me!") mixed with that element of curiosity I mentioned earlier ("What if I actually CAN do this without drugs... plenty of other women have done it all over the world since time immemorial.. no big deal, how bad can it be...??") so then I thought I would use the financial aspect to be the 'tiebreaker' in my decision making...

I asked the nurse how much an epidural would cost and when she replied "Around MYR1.5k", I still remember Kishore's incredulous face as I asked the question, i.e."Seriously babe, you are gonna think about money right now? If you need the epidural TAKE IT, don't worry about the money!!!"... and while we are not rich by any stretch of the imagination, thankfully RM1.5k is not a quantum that made me swing towards a decision to "better save the money"...

So in the end, I guess my curiosity won out, and I turned down the epidural "just to see what it would be like and if I had it in me" (in addition of course to avoiding the side effects of any drugs introduced into my and the baby's body).

My labour occuring in the time of coronavirus, it was protocol for me to have a COVID19 test done, so the medical staff could apply the necessary precautions. I had heard from a friend Sharon Ruba that the test procedure was uncomfortable, so when the nurse came with the test kit as I was starting another surge, I asked, "Please can I just finish this surge before I do the test?" as I really didn't think I could multitask tackling multiple uncomfortable sensations in one go.

The COVID19 test involved what felt like a looong, skinny cotton bud being inserted into one nostril... I definitely felt more than a tickle as it went in and up, being told to take deep breaths by the nurse. Then she asked me to "Try to swallow" and I felt it go into my nasal cavities where I didn't think anything could go any further, but was proven wrong when she asked me to swallow again and the swab was probed even deeper. Then she warned me there would be some slight discomfort as she prepared to collect a sample... but at that point all I could think about was:

(i) I really don't have much of a choice
(ii) please let this be over before my next surge kicks in
(iii) if all the people breaking the MCO rules knew what it feels like to do this test maybe they won't put themselves at risk of the need to perform one...

In full disclosure as I was transferred into the actual delivery room at some point after 11am, another nurse offered me 'laughing gas' to ostensibly take some of the edge off... I took the self-operated breathing nozzle passed to me but don't recall it making any difference to my sensations..so didn't use it much as it seemed pretty pointless.

I recall some measure of relief when I heard my gynae Dr. Paul entering the room, greeting Kishore and me, and telling us it was going well and it wouldn't be long now and he would see us again shortly.

From my previous labour with Lara I knew the midwives pretty much take you 90% of the way through the labour and when the Dr is called in you are really at the home stretch, so was very relieved to hear his voice though knowing he would leave and come back later meant it wasn't quite over yet.

I do remember realising when I had crossed the Thinning and Opening Phase of labour to the Birthing Phase, by the change in sensations... it is still amazing to me that as the Hypnobirthing book mentioned, having this knowledge I was instinctively able to switch breathing techniques for the next stage of labour .

Was my opting against epidural the right choice for me?

Overall? Yes.

Don't get me wrong.

I *almost* regretted the decision several times during active labour... especially when I felt my body being taken over by an overwhelming compulsion to push that did not seem conscious and was accompanied by involuntary gutteral moans where I literally just thought to myself, "I surrender, God do with me what you will..." (super dramatic I know but VERY real at the time...).

I think I experienced 3-4 such natural explusive reflexes (?), rhythmically pushing the baby down the birth path, one of which was accompanied by what felt like a swoosh of water coming out of a hose with a diameter the size of a golf ball... this was when I realised my water had finally broken...

The nurses kept instructing me to do different things, to keep breathing, to move to my side, then to move to the middle, to raise my feet... and when I didn't comply, Kishore (who was with me throughout both my labours) tried to help them by repeating the instructions prefaced with "Sayang..." but I basically ignored all the intructions because I felt I had no capacity to direct any part of my body to do anything and someone else would have to physically manoeuvre that body part themselves.

When I heard Dr. Paul's voice again and the flurry of commotion surrounding his presence, I knew the time was close... and when I heard the nurse say to Kishore, "Sir, these are your gloves, for when you cut the baby's cord", it was music to my ears...

I'm very, VERY grateful Kiaen slid out after maybe the 4th of those involuntary pushes... the wave of RELIEF when he came out so quickly... it still boggles my mind that my mother was essentially right and as his birth time was 12.02pm, it was *only* about 1.5 hours between our arrival at the hospital and his arrival into the world.

Kiaen was placed on my chest for skin to skin bonding and remained there for a considerable time.

For our short stay in the hospital he would be with us in my maternity ward number C327... another trivially serendipitous sign for me because he was born on the 3rd (May) and our wedding anniversary is 27th (July).

I was discharged the following day 4th May at about 5.30pm, after I got an all clear on COVID19 and a paediatric surgeon did a small procedure on Kiaen to address a tongue-tie that would affect his breastfeeding latch... making the entire duration of our stay about 31 hours.

I have taken the time and effort to record all this down so that whenever life's challenges threaten to get me down I can remind myself, "Ignore the 97% failure probability, focus on the 3% success probability".

Also that the human condition is miraculous and it is such a privilege to experience it.

To our son Kiaen Aaryan, thank you for coming into our lives and choosing us as your parents.

Even though Papa and I are both zombies trying to settle into a night time feeding routine with you, I look forward to spending not only all future Mother's Days, but every day, with you and your Akka...

And last but not least, to my husband Kishore...without whom none of this would be possible - we did it sayang, I love you ❤️

Photo credit: Stayhome session with Samantha Yong Photography (http://samanthayong.com/)

ข่าวประชาสัมพันธ์..
แสนสิริ เสนอขายหุ้นกู้ด้อยสิทธิที่มีลักษณะคล้ายทุนฯ ดอกเบี้ย 5 ปีแรก 8.50% ต่อปี

บริษัท แสนสิริ จำกัด (มหาชน) หรือ SIRI มีแผนเสนอขาย Subordinated Perpetual Bond หรือ หุ้นกู้ด้อยสิทธิที่มีลักษณะคล้ายทุนฯ โดยการเสนอขายหุ้นกู้ด้อยสิทธิที่มีลักษณะคล้ายทุนฯ ครั้งนี้ เป็นการวางแผนด้านการเงินเพื่อรองรับการเติบโตในระยะยาวของบริษัท เพื่อให้เป็นไปตามเป้าหมายของการรักษาความเป็นเบอร์หนึ่งในเรื่อง “แบรนด์อันดับหนึ่งของคนอยากมีบ้านในวงการอสังหาริมทรัพย์ไทย” อย่างต่อเนื่...
Continue ReadingPress Release..
Sansiri offers to sell inferior loan shares with similarities. Interest 5 first 8.50 % per year.

Sansiri Public Company Limited or SIRI has a plan to offer Subordinated Perpetual Bond or Unintelligible Equity Equity by proposing to sell inferior equity equity with similarities. This is a financial planning to support the long-term growth of the company. To meet the goal of maintaining the number one in ′′ the number one brand of people who want to have a house in Thai real estate industry ′′ and maintaining a stable business growth.

Offer to the average investor worth not more than 3,000 million baht. Minimum booking of 100,000 baht and multiply 100,000 baht per time. Interest rate in the first 5 years equals 8.50 % per year. Pay interest every 3 months.

Sansiri is the leading real estate company in Thailand. It has been in business for more than 36 years. There is a project in Bangkok (90 %) and other provinces (10 %) covering all groups of single, townhouse and condominium. Niams include the price level that drilled Mass Market group from 1.2 million baht to Luxury items that drill high-income groups, including joint venture for condominium projects with big business groups such as venture. With BTS group and Tokyu Corporation from Japan

As Sansiri has a comprehensive project, all products help to diversify risks of companies. For example, if any cartel or product level is affected by the economy or popularity, companies are capable of having products that respond to a product or a price level of product. Another product group has made it not to lean on the income from the product or one customer group.

In addition to the main income from property development, the company also has income from other businesses to distribute risks.

1. Project management income and representative in buying, selling and renting through the company. Plus Property Company.

2. In 2017, the company expanded its business to foreign countries by acquisition of Hotel Chain named The Standard with hotels under international management such as New York, LA and London.

3. Investing in technology businesses through the Corporate Venture Capital of a company called SIRI Ventures to find investment opportunities in new technologies around the world.

Income and profit of Sansiri

Year 2017 Income 31,757 million baht. Profit 2,824 million baht.
Year 2018 Income 27,146 million baht. Profit 2,046 million baht.
Year 2019 Income 26,291 million baht. Profit 2,392 million baht.

Sansiri's results may be going up and down each year, depending on the delivery of the project each year.

In addition, the past investment started to make some profits to Sansiri for the first quarter of this year. The company recorded the profit of Co-working Space shares called JustCo by record profit of over 700 million Baht.

What is the plan for future Sansiri growth?

Sansiri has announced its goal to be 1th in the Plains (House and Townhome) project, which proceeds from Plains are relatively stable in comparison with condominium project to help fluctuate income. Less in the future

Including Expansion of The Standard Hotel and International Investments to continually expand the revenue base and distribute the company's risks.

In addition, Sansiri has a plan to push sales to grow to 120,000 million Baht within 3 years with strong proactive business plan. 3 ways include:

1. Plans to launch a new project that is tightly transformed to any situation. In half a year after assessment of scenarios, Sansiri has a business plan to move forward to launch 14 new residential projects to support 14 single houses. 6 Townhome and mix project 6 more projects worth 15,200 million baht, including 2 condominium launch plan. Total value of 2,500 million baht.

2. Good stock management. Now Sansiri has ready-to-sell products worth around 7,000 million baht, which is a balanced amount in the market.

3. Strong cash flow management and good liquidity allocated Cash Flow. The company's turnover is up to 10,000 million Baht. It's ready to run the business and is strong in every Council. The company has also scaled the 2563 sales target. Increased to 35,000 million baht, up to 76 % from the last year with total sales of 21,000 million Baht. Due to the result of the business just 5 months ago, it generated sales of over 22,000 million Baht. Growing to 168 % from the same period of the year before

For Sansiri's underlying loan, Sansiri will be reserved between 22-25 June 2563 The company's credibility ranks at BBB +/ Negative and the trust of the loan. At BBB-Ranked by Tris Rating on April 1, 2563

Important terms of inferior loan. The right that resembles the capital comprises.
1. The age of the stock loan is the loan. This time is the loan. No age of the shareholder has no right to give the loan to redeem the lender before the due to redemption. But the lender has the right to redeem 5 years.
2. How to get a refund. If the company finishes the business, this loan will have a decrease in debt after the general creditor, but before the ordinary shareholder.
3. The loan issuer has the right to postpone the interest. This loan, the loan shark can delay the interest by flattering to pay any day. No time and number of times. But if delayed the interest of the loan, the lender will be paid. Cannot announce or pay dividends to shareholders.
4. Interest rates will be fined every 5 years based on 5 years of government bond yield.

Interested people can ask for more information from 6 top financial institutions:
Bangkok Bank. Call 1333
Krungthai Bank. Call 0-2111-111
Kasikorn Bank. Call 0-2888-8888 Press 819
Siam Commercial Bank. Call 0-2777-6784
CIMB Thai Bank. Call 0-2626-7777
And the Bor. Finn cuddle p.m. Cyrus call 0-2658-9500

Or www.sansiri.com; call. 1685
Or more details can be found from the listing, bidding, and prospectus at www.sec.or.th

< Important Warning >
1. Understands of the right to resemble capital. High risk product. Investors should study and understand the product characteristics, conditions, returns and risks before making investment decision. Investment is risky. Please complete the information before making investment decision. Investors can be able to. Discover details from the listing and draft of prospectus at www.sec.or.th
2. Bond market in Thailand has low liquidity. Selling instruments in secondary market could be reduced or increased by depending on market conditions and demand.
Top 3. credibility of a regulator is just an investment decision-making data. Not an introduction of trading on a proposed bond and not a guarantee of the ability to pay the debt of an instrument and when the loan issuer stops paying interest. (In case the company is not informed. Postpone the interest of loan) or early money is default to pay the loan debt (default). If the loan issuer declares bankruptcy or defaults to pay the debt, the shareholders, and other creditors of the company, the loan will have the right north. Common shareholder of the company, issuer in the assessment of the credit risk of lenders, investors can see the results of the credibility ratings of the lenders or lenders (credit rating) provided by institutions. Risk rankings, making investment decisions if credit. Rating of low borrower or lender shows that credit risk of lenders or lenders is high. Returns of investors should be high to compensate for the high risk of lenders.Translated

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Please understand that by watching Dan’s videos or enrolling in his programs does not mean you’ll get results close to what he’s been able to do (or do anything for that matter).

He’s been in business for over 20 years and his results are not typical.

Most people who watch his videos or enroll in his programs get the “how to” but never take action with the information. Dan is only sharing what has worked for him and his students.

Your results are dependent on many factors… including but not limited to your ability to work hard, commit yourself, and do whatever it takes.

Entering any business is going to involve a level of risk as well as massive commitment and action. If you're not willing to accept that, please DO NOT WATCH DAN’S VIDEOS OR SIGN UP FOR ONE OF HIS PROGRAMS.

This video is about The Consumer Buying Process: How Consumers Make Product Purchase Decisions.

https://youtu.be/qy2r947DZyE
https://youtu.be/qy2r947DZyE

Is Your Business Too Dependent On You And Sucks Up All Your Time? This Is How To Build Your Business So It Can Run Without You And Scale. Want To Join An Exclusive Group Of High Level Entrepreneurs? Join Dan's Advisory Board Dragon 100 Today: https://runandscale.danlok.link

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Check out these Top Trending Playlists -
1.) Boss In The Bentley - https://www.youtube.com/playlist?list=PLEmTTOfet46OWsrbWGPnPW8mvDtjge_6-

2.) Sales Tips That Get People To Buy - https://www.youtube.com/watch?v=E6Csz_hvXzw&list=PLEmTTOfet46PvAsPpWByNgUWZ5dLJd_I4

3.) Dan Lok’s Best Secrets - https://www.youtube.com/watch?v=FZNmFJUuTRs&list=PLEmTTOfet46N3NIYsBQ9wku8UBNhtT9QQ

Dan Lok has been viewed more than 1.7+ billion times across social media for his expertise on how to achieve financial confidence. And is the author of over a dozen international bestselling books.

Dan has also been featured on FOX Business News, MSNBC, CBC, FORBES, Inc, Entrepreneur, and Business Insider.

In addition to his social media presence, Dan Lok is the founder of the Dan Lok Organization, which includes more than two dozen companies - and is a venture capitalist currently evaluating acquisitions in markets such as education, new media, and software.

Some of his companies include Closers.com, Copywriters.com, High Ticket Closers, High Income Copywriters and a dozen of other brands.

And as chairman of DRAGON 100, the world’s most exclusive advisory board, Dan Lok also seeks to provide capital to minority founders and budding entrepreneurs.

Dan Lok trains as hard in the Dojo as he negotiates in the boardroom. And thus has earned himself the name; The Asian Dragon.

If you want the no b.s. way to master your financial destiny, then learn from Dan. Subscribe to his channel now.

★☆★ CONNECT WITH DAN ON SOCIAL MEDIA ★☆★
YouTube: http://youtube.danlok.link
Dan Lok Blog: http://blog.danlok.link
Dan Lok Shop: https://shop.danlok.link
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Podcast: http://thedanlokshow.danlok.link

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Please understand that by watching Dan’s videos or enrolling in his programs does not mean you’ll get results close to what he’s been able to do (or do anything for that matter).

He’s been in business for over 20 years and his results are not typical.

Most people who watch his videos or enroll in his programs get the “how to” but never take action with the information. Dan is only sharing what has worked for him and his students.

Your results are dependent on many factors… including but not limited to your ability to work hard, commit yourself, and do whatever it takes.

Entering any business is going to involve a level of risk as well as massive commitment and action. If you're not willing to accept that, please DO NOT WATCH DAN’S VIDEOS OR SIGN UP FOR ONE OF HIS PROGRAMS.

This video is about How To Build Your Business So It Can Run Without You And Scale.
https://youtu.be/yJT_2-KlCiY
https://youtu.be/yJT_2-KlCiY

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Check out these Top Trending Playlists -
1.) Boss In The Bentley - https://www.youtube.com/playlist?list=PLEmTTOfet46OWsrbWGPnPW8mvDtjge_6-

2.) Sales Tips That Get People To Buy - https://www.youtube.com/watch?v=E6Csz_hvXzw&list=PLEmTTOfet46PvAsPpWByNgUWZ5dLJd_I4

3.) Dan Lok’s Best Secrets - https://www.youtube.com/watch?v=FZNmFJUuTRs&list=PLEmTTOfet46N3NIYsBQ9wku8UBNhtT9QQ

Dan Lok has been viewed more than 1.7+ billion times across social media for his expertise on how to achieve financial confidence. And is the author of over a dozen international bestselling books.

Dan has also been featured on FOX Business News, MSNBC, CBC, FORBES, Inc, Entrepreneur, and Business Insider.

In addition to his social media presence, Dan Lok is the founder of the Dan Lok Organization, which includes more than two dozen companies - and is a venture capitalist currently evaluating acquisitions in markets such as education, new media, and software.

Some of his companies include Closers.com, Copywriters.com, High Ticket Closers, High Income Copywriters and a dozen of other brands.

And as chairman of DRAGON 100, the world’s most exclusive advisory board, Dan Lok also seeks to provide capital to minority founders and budding entrepreneurs.

Dan Lok trains as hard in the Dojo as he negotiates in the boardroom. And thus has earned himself the name; The Asian Dragon.

If you want the no b.s. way to master your financial destiny, then learn from Dan. Subscribe to his channel now.

★☆★ CONNECT WITH DAN ON SOCIAL MEDIA ★☆★
YouTube: http://youtube.danlok.link
Dan Lok Blog: http://blog.danlok.link
Dan Lok Shop: https://shop.danlok.link
Facebook: http://facebook.danlok.link
Instagram: http://instagram.danlok.link
Linkedin: http://mylinkedin.danlok.link
Podcast: http://thedanlokshow.danlok.link

#DanLok #TrustYourGut #Business

Please understand that by watching Dan’s videos or enrolling in his programs does not mean you’ll get results close to what he’s been able to do (or do anything for that matter).

He’s been in business for over 20 years and his results are not typical.

Most people who watch his videos or enroll in his programs get the “how to” but never take action with the information. Dan is only sharing what has worked for him and his students.

Your results are dependent on many factors… including but not limited to your ability to work hard, commit yourself, and do whatever it takes.

Entering any business is going to involve a level of risk as well as massive commitment and action. If you're not willing to accept that, please DO NOT WATCH DAN’S VIDEOS OR SIGN UP FOR ONE OF HIS PROGRAMS.

This video is about Should You Trust Your Gut In Business?
https://youtu.be/LwosluOc844
https://youtu.be/LwosluOc844