Citibank Personal Loans

Thinking of an overdue kitchen makeover, home renovation or finally attaining that bachelor's degree? Whatever your reason, it's all now possible with Citibank Personal Loans.

Citibank目前提供简易的贷款供给个人，能够借贷的数额高ＲＭ１５００００，然后最长期限可以是５年的时间，方便又快速！

有兴趣的朋友可以直接留下联络方式在

https://www.citibank.com.my/english/forms/apply-for-personal-loans.html?ecid=PSGODMYPLAENBC&media=e32186ee-10e7-1455720001&gclid=CKbHw8yD_8oCFdOJaAodKOsBVg


蓝鱼的投资Profile 为什么要投资 - http://whymustinvest.blogspot.com/

是时候投资O&G的股票了吗？

2016目前最大条的新闻终于来了，沙地和俄罗斯决定要冻结石油出口，结果国际油价马上回弹！！

DOHA: Top global oil exporters including Russia and Saudi Arabia agreed on Tuesday to freeze output to tackle a global glut but said the deal was contingent on other producers, with Iran absent from the meeting and planning to ramp up shipments.

The Saudi, Russian, Qatari and Venezuelan oil ministers visited Doha for a previously undisclosed meeting - their highest-level discussion in months on joint action to help prices recover from their lowest in more than a decade.

http://klse.i3investor.com/servlets/fdnews/231127.jsp

确实如此，马来西亚在这个油价跌到很够力的时候伤了很重！Ringgit 对 美金的兑换更是冲破RM3.80的。面对这么敏感的新闻，很多投机者纷纷涌入了oil and gas 的counter.

在Bursa Malaysia里头，有以下的股票


SAPURAKENCANA PETROLEUM BHD



BUMI ARMADA BERHAD

再来就是这间最多炒家爱的



PERISAI PETROLEUM TEKNOLOGI


PETRONAS DAGANGAN BHD

蓝鱼的投资Profile 为什么要投资 - http://whymustinvest.blogspot.com/

RHB bank 的 Smart Move Balance Transfer

如果有用信用卡的朋友，应该知道如果信用卡没有还钱，那银行就会向你征取超高的利息，差不多是18% Per Anum，假设你欠信用卡债RM10000,每年要还的利息就是RM1800，非常吓人！

所以银行之间为了减少你被信用卡债的利息折磨，就推出了一种产品叫Balance Transfer，就是如果你欠银行A的信用卡，你可以把那些欠债转去银行B，银行B会推荐你更低的利息。

RHB Bank 就是其中一间银行，很多时候都在推出低利息的Balance Transfer Program. 虽然马来西亚很多银行，但是我本身常用的有Standard Chattered, Citibank, Maybank, Rhb Bank吧了，他们都提供很多不同的产品。

值得一题的是，使用了Balance Transfer的产品前Credit Card 的limit一定要够，不然就没办法获得更低利息。然后也要注意每个月的Monthly Repayment，因为如果没有定时还清，他们还是会直接加入回信用卡的户口，那就得继续还一年18%的利息了！

有兴趣想申请的朋友可以到Rhb的网站


Note:
Promotion is valid till 31 December 2015
3 Easy Ways to Apply for Smart Move Balance Transfer

1. Call our Customer Care Centre at 03-9206 8118 and request for Smart Move Balance Transfer or
2. Walk-in to any RHB branches to speak to the staff on duty to apply for Smart Move Balance Transfer. Find one near you here or
3. Complete the Smart Move Balance Transfer application form and attach a copy of the other bank's latest credit card statement. You can Fax it to 03 - 2782 8888 or
   • Email it to telesales_department@rhbgroup.com or
   • Drop it off at any RHB branches near you
4. Send SMS to 66300 with the below format
   BTCX<Space>12-digit NRIC No
   Our friendly consultant will contact you to complete the application

For more information on Smart Move Balance Transfer or any other RHB products & services, please call 03-9206 8118 (Peninsular Malaysia) or 082-276 118 (Sabah & Sarawak)

http://www.rhbgroup.com/products-and-services/personal/cards/rhb-benefits/smart-move/

蓝鱼的投资Profile 为什么要投资 - http://whymustinvest.blogspot.com/

Another Banking Stock - PBANK 1295 - Oversold

今天又看到了一家银行股Oversold，前些日子还曾经Trade过它的warrant，他就是Public Bank 1295。加上今天已经连续见红三天了！而且今天还是超红的Candle。

自我们的首相公布了2016年的预算案之后，市场因为没有惊喜随即投资者开始套利离场。我相信这只是一时的调整，而且前个星期外资让我意外的整个星期净买入！

这里想要推荐的是PBANK-C5，算是最活跃的warrant吧！以目前的PBANK 18.40，Warrant Exercise Price 要19.50，差不多5.4%，不过剩下差不多90天！

Indicator

Warrant Code	1295C5	Effective Gearing	12.4 x
Underlying	PUBLIC BANK BHD	Delta	37.3 %
Type	CALL	Delta per Warrant	4.052 %
Issuer	Macquarie Capital Securities (Malaysia) Sdn Bhd	Sensitivity	6.17 ticks
Exercise Price	19.50	Break Even Price at Expiry	MYR 20.05
Most Recent Trade Date	27 Oct 15	Premium	9.0 %
Expiry	29 Jan 16	Implied Volatility	24.6 %
Last trading date	26 Jan 16	Theta	-0.96 %
Days to Maturity	94 days	Intrinsic Value per Warrant	RM 0.000
Exercise Ratio	9.20	Moneyness	5.6% OTM

明天打算排0.06偷死鸡，呵呵

蓝鱼的投资Profile 为什么要投资 - http://whymustinvest.blogspot.com/

Maybank 一路向南 oversold

自22日开始，Maybank就挂红。Malaysia Budget当天更是当红，目前Daily图表已经显示超卖咯~目前注意到的warrant是MaybankC15，已经从10月19日高点0.235滑落至今天的0.200。

个人玩法将会排位在0.190

蓝鱼的投资Profile 为什么要投资 - http://whymustinvest.blogspot.com/