Maintain outperform with less target price (TP) of RM1.55: Crescendo Corp Bhd’s first nine months of financial year 2018 (9MFY18) core net profit (CNP) of RM32.6 million is in line at 77% of our full-year estimate. No consensus estimates available. Property sales of RM154.4 million may also be on course to meet up our target of RM221 million. No dividends were declared, as expected. There are no changes to the FY18 to estimated FY19 earnings.

Their 9MFY18 CNP registered a solid year-on-year (y-o-y) growth of 51% underpinned by Bandar Cemerlang decent improvements, namely in revenue (+21%) and earnings before interest, taxes, depreciation and amortisation (ebitda) margins by two percentage points (ppts) to 27%. These improvements in revenue and margins are mainly due to decent progressive billings and contributions from industrial properties. Quarter-on-quarter (q-o-q), the third-quarter (3QFY18) CNP declined 43% mainly due to weaker revenue (-18%) stemming from lower property sales in industries.

Moving forward, Crescendo is trying to launch 24 units of cluster factories at Taman Perindustrian Cemerlang, 102 units of mid-market landed residential properties at Bandar Cemerlang, 54 units of shop offices at Bandar Cemerlang and Taman Desa Cemerlang as well as 426 units of affordable housing at Bandar Cemerlang and Tanjung Senibong in Johor with a mixed gross development value greater than RM300 million. Unbilled sales stood at RM168.4 million, providing one or more year’s visibility.

We make no changes to the FY18 estimate (E) to FY19E earnings estimates and keep our FY18E sales target at RM221 million. We maintain our “outperform” call after considering its decent sales performance and better mixture of industrial product sales coupled with improving profitability. However, we lower our TP to RM1.55 (from RM1.60) predicated on a current -1.0 standard deviation level historical revised net asset value discount of 76% (from 75%). We believe such valuation levels are fair considering its full experience of Johor. Our TP implies 9.2 times FY19E price-earnings ratio which will be below its historical average of 11 times.— Kenanga Research, Dec 26

Many authors immerse themselves in an interest or field to be able to reveal it. A.J. Jacobs spent a year living biblically. Dan Lyons worked at HubSpot. Others, like Stefan Fatsis, try to become kicker for the Broncos or, like Michael McKnight, try to understand to dunk a basketball.

But usually they dip in and dip out; their experiences help provide a somewhat inside perspective for a book or longform piece. (A little like me doing 100,000 pushups in a year.)

And then there’s Maria Konnikova. 2 yrs ago she decided to write a book about poker but she knew almost nothing concerning the game. So she did the smart thing. Instead of getting a coach, she got a master: She connected with Erik Seidel, an expert poker player who has won eight World Number of poker bracelets and a World Poker Tour title.

Seidel decided that for Konnikova to actually understand the game, she had to check out the road beginners take. She had to create her bankroll from scratch. So she started playing in $20 and $40 tournaments. Then she moved up to raised stakes tournaments, finishing second in one single and winning $2,215.

And then earlier in 2010 she won $84,600 at the PCA National… and chose to push back her book to 2019 and go all-in (pun intended) on poker, a choice that paid when she finished second in a Asia Pacific Poker Tour Macau event and won $57,519.

“PCA was the minute where everything type of came together,” she said. “I’m learning and it’s sticking and I’m playing well. It’s a really wonderful feeling when you’re studying and working to own that validated.”

Konnikova didn’t attempt to become a great poker player. She just wanted to get better.

That’s the thing about progress. That’s the thing about success. Even only a little progress successes makes you feel good. Even the tiniest successes validate your effort. Tiny progress, small successes… they make you happy.

And that provides most of the motivation you have to get up tomorrow and keep taking care of whatever trying to understand or improve.

This is exactly POKERAMPM why almost all incredibly successful people set an objective and then focus each of their attention on the process necessary to attain that goal.

Sure, the target is still out there. But what they value most is what they should do today — and once they accomplish that, they think happy about today. They think good about today.

And they think good about themselves, because they’ve accomplished what they attempt to do today. And that sense of accomplishment gives them all the motivation they should do what they should do when tomorrow comes — because success, even tiny, incremental success, is the best motivation of all.

When you savor the small victories, you can feel great about yourself every single day, because you no longer feel compelled to compare the distance between here and there. You do not have to wait for “someday” to feel great about yourself; should you choose that which you planned to accomplish today, you’re a winner.

Pick somebody who has achieved something you want to achieve. Deconstruct their process. Then follow it.

As you go along you may make small corrections as you learn what works best for you personally, but never start by doing what you want to accomplish, or what feels good, or that which you think might work.

Do what’s which can work.

That way you won’t give up, because the process you create will yield those small successes that keep you motivated and feeling good about yourself.

Even when you’re a writer who decides to understand a little something about poker.

More than one third or 35% of shoppers said they’re more likely to produce a purchase if a company offers monthly installment payments. This based on a survey carried out by Splitit, a payment solution which provides retailers the capability to provide a payment plan for purchases.
When shoppers are considering an installment plan, close to half or 47% revealed zero interest is the main consideration. So it is not enough to just provide a payment plan, you also need to provide very low or zero interest otherwise you will lose one in two customers.

For small retailers, online or brick and mortar, providing a regular installment plan is one of the best ways to increase average order value (AOV). The Splitit platform has been designed to simplify the installment payment process so business owners don’t need certainly to be concerned about managing the purchases.

The CEO and Co-Founder of Splitit, Gil Don, explained the advantages of providing installment plans in the press release.
Don said, “An interest-free, monthly installment plan offers consumers the very best option in alleviating their financial woes and allowing them to shop without burdensome restraints. Offering a powerful payment solution is really a win-win for both consumers, who are able more expensive purchases, and for merchants, who can increase revenue and decrease cart abandonment rates.”

The Splitit survey was carried out in collaboration with Google Consumer Surveys in July 2018. Significantly more than 1,000 respondents ages 18 to 65+ in the US took part in the survey.

Monthly Installments: Survey Results
In addition to zero interest, no late fees was also a significant factor for consumers. Seventeen percent of them said these fees are an obstruction when they’re in the act of picking a payment option.
For 20% of millennials, the issues of late fees carried more weight. They said it had been the main consideration when they signed up for a payment solution.

When creating purchases online, 83% said they’re afraid of losing control of the cash flow or overspending. This has translated into shoppers making fewer expensive purchases online.

However, 25% of online shoppers said the possibility of an interest-free monthly installment payment plan would cause them to become purchase the high-ticket items.

While on the subject of purchases, millennials are far more focused on the likelihood of damaging their credit score. This is true for 25% of the millennial respondents.

The Splitit Solution
Splitit has generated a workaround for businesses for them to provide monthly payment plans without any interest rates and late fees. And on top of that customers don’t have to join up or apply like traditional installment payment plans or services.

The company uses the Visa and MasterCard bank cards along with the debit cards your visitors already use and offers monthly payment plans.

Splitit authorizes the full amount of the purchase on the shopper’s existing credit and debit card and holds their credit line for the entire amount.

The service happens to be being utilized in 25 countries around the globe by 800 Internet and traditional merchants.

Boat parts need constant and regular maintenance to make sure that the boat as a whole is seaworthy. Those who content themselves with quick examinations for rust and leaks and neglect to conduct periodical comprehensive checks are courting disaster by doing so. Venturing out with faulty equipment may bring about spending the night time out adrift, or worse.

Even though a boat isn’t used all too frequently, which minimizes wear and tear on the hull, the engine, and other areas, there still are many parts that still need to be looked at periodically. It is possible why these components and boat parts could wear down even once the boat is high and dry. Items that fall under this category include those who involve circuits, such as for example navigational equipment like GPS devices. Communication tools need to be looked at and tested thoroughly at certain intervals. Boat owners most certainly don’t want to be roaming the ocean with out a working GPS. Additionally they want to make sure that you’ll able to attain the authorities or other boats if things make a mistake, or that you yourself can be reached for some other reason.

Also, they need to check the batteries of different aspects of the boat, along with the battery of the boat itself. Look at flashlights and these GPS equipment and radios. Whilst the old saying goes, an ounce of prevention may be worth a pound of cure, and that’s never truer than when one plans to be out on the water. Checking boat parts prior to the voyage is key to safe, hassle-free and fun-filled sea adventure.

Boat parts, as with many things, don’t need to be expensive to be of good quality. This really is an important bit of information that individuals who have just begun to understand about boating will need to remember.

Anything, be it spaghetti sauce or even a new car, can gain a perceived value when priced expensively. People often think that higher prices mean better quality. In some cases, that is true: More expensive engine oil or fuel is normally proven to have advantages over their generic counterparts. However, in other cases, higher price tags do definitely not equate to raised quality. Some products might be higher priced, but are in reality only packaged differently. What this means is some cheaper products can still be properly used to perform yet things.

The market for boat parts is saturated with enterprising firms that can easily capitalize on people’s insufficient understanding about boating even without meaning to GLM Mercruiser exhaust manifold-riser. It can be difficult to tell apart the wheat from the chaff when it’s the task of savvy salesmen to convince and persuade. And that’s not considering people who intentionally walk out their method to deceive!

The Internet offers opportunities for people to purchase the parts they require, with the added capability of the availability of multiple sources, testimonials and other research materials online at exactly the same time.

Also, the Internet has communities with forums that could be a good sounding board for questions on picking the absolute most suitable boat parts for a particular scenario. In this way, the knowledge of others can shine through, making the shopping experience safer, and ultimately more enjoyable.

Wholesale Marine is a collective of boating experts with a combined experience of over 500 years, which offers great deals on boat accessories and parts. They bring to the table their extensive knowledge on boating, boat parts, and virtually anything under the sun about boats.

If you have a lot of old gold jewelry you do not wear anymore, now is a great time to consider selling gold for cash. The price of gold is high and refineries are seeking the maximum amount of scrap gold as they are able to get. However, selling gold isn’t something you need to do without researching your options. A couple of tips from the experts will allow you to get the maximum price for the scrap gold and will protect you from scam companies.

1. Research the business thoroughly. Some companies can tell you they’ve experienced business for a long time but neglect to share with you that a lot of of that point wasn’t buying or selling gold. Be sure any business you’re considering states that they’ve been buying gold for at the least ten years. The more experience the business has, the more smoothly the transaction will go. They may also be more likely to offer you top dollar for the gold.

2. Read the company Web site. Does the website clearly state the company’s policies regarding buying and selling gold? Will there be a real address? If the business only lists a post office box, be wary. This is sometimes a tip-off that the business is really a recent business that really wants to have the ability to fold up shop quickly in the case of a problem.

3. Locate a company that’s a lot of communication options. The easier it is to reach you to definitely communicate with about your concerns, the much more likely it is you will be happier with the results when selling your gold. If your Internet site that buy gold clearly posts an email address and a toll-free telephone number, it’s a good start. If they feature live chat, it’s even better. This means the business is focused on making your gold transaction as simple and reassuring as possible. Give the business a phone and ask a few questions; you’ll learn a lot about the company’s values and dedication to potential clients with a simple phone call.

4. Don’t let yourself by locked into a transaction too soon. Some companies have fine print in their agreements stating that once you return your gold, you’ve to just accept whatever they feature in payment. Selling gold shouldn’t mean a commitment to market without knowing the price – you’d never agree to purchase an automobile without knowing the fee! Don’t sell your gold without know the price. High pressure sales will also be a no-no. A reliable company will contact you with a quote and let you choose whether selling gold to them is a clever decision.

5. Avoid companies that are middlemen. You’ll receive the perfect price by selling to a company that’s a unique gold refinery. These companies buy scrap gold and melt it down themselves for them to cut pretty near the actual value when offering to purchase your scrap gold. If the business buys from you, then turns around and re-sells the gold to somebody else, they have to really have a profit margin for themselves. They will usually try this by making you an offer that is substantially less compared to gold is worth.

6. Do your homework on current gold prices. Don’t think that just because a company is prepared to post the present prices they are offering for scrap gold that they are supplying a good price. Compare the price they are offering to the present actual value of gold on the open market. CNN’s Internet site is a great source of info on current precious metal values. When selling gold, you need to be offered a cost that’s around 90 percent of the specific value. Unfortunately, you might find companies that provide less than 40 percent of the specific value of your gold.

7. Ensure that your gold is likely to be insured in-transit. If you is likely to be selling plenty of gold to a company or even simply sending it in to get a price quote, the business should fully insure it for the estimated value. Shipments are occasionally lost in the mail or during shipping, so proper insurance is crucial to guard you.

Especially, be cautious, ask questions and make a decision that’s on the basis of the facts. Should you this, selling gold for cash provides you a good return.

Selling gold is not an easy task in these nosedived economic conditions. However, mcdougal of this short article knows the easy ways to market jewelry anywhere. His articles are excellent resources for scrap gold. He’s vast experience in selling jewelry is helping him a great deal to write all these articles.

Many celebrities confess to presenting a love of cars and driving; some even spend a considerable amount of time and money accumulating collections of cars for their particular personal garage. So, what are a number of the vehicles driven by the rich and famous?

Footballers, this indicates, are in the very best bracket as it pertains to exotic cars, with most of the top earners in the game having what is apparently an obsession with owning the world’s most exclusive and expensive cars. Manchester United star Wayne Rooney, for example, can count such vehicles as the Lamborghini Gallardo, Bentley Continental GT, Aston Martin Vanquish and BMW M6 among his collection.

Chelsea midfielder Claude Makelele is another footballer whose garage is packed with hot wheels; a Mercedes McLaren SLR, Ferrari F360 and a Mercedes SL65 AMG convertible are on the list of cars owned by the Dutchman. Meanwhile Liverpool captain Steven Gerrard can boast a Porsche 911 Turbo, Mercedes SLK, Aston Martin Vanquish and BMW X5 included in his fleet of motoring muscle. Cristiano Ronaldo has owned an Audi R8, BMW X5 and Ferrari 360 among his cars, and his name features on a waiting list for perhaps the world’s ultimate car – the Bugatti Veyron.

However, perhaps the ultimate car fanatic from the footballing world is David Beckham. Having spent in excess of £2million on a number of vehicles, Beckham’s garage counts the likes of the Ferrari 575 and F430, Lamborghini Gallardo, two Bentley Arnages and a Rolls Royce Phantom among others. Beckham also comes with an armour-plated BMW X5 and once owned an Aston Martin DB7, with the registration plate’DB7 ‘. Cars such as for example they are all a much cry from Beckham’s first entry in to the motoring world – the humble Ford Porsche 991.2 S / 4S / GTS Exhaust.

Fame doesn’t necessarily give rise to the need to spend lavishly on top-of-the-range cars, however. At the peak of the Spice Girls’fame, band member Melanie Chisholm – also called’Sporty Spice’- shelled from a 1998 Audi A3 which she used to operate a vehicle herself around as she and the band rose to international stardom, clocking up 79,000 miles in the process. With the Spice Girls going onto become one of the biggest girl groups ever, it was unlikely that Sporty Spice needed Audi car finance to make her purchase and later the car was sold on the motoring website, Autotrader, having amassed 110,000 miles and a complete service history, for a bargain price of £2,995.

Film and TV stars aren’t immune to owning top-of-the-range vehicles either. American actor Ben Affleck has owned an Aston Martin DB7 and Dodge RAM, while Brad Pitt can claim to own driven the Mercedes G55 AMG. More modest cars owned by film and TV stars include the David’The Hoff’Hasselhoff’s BMW Mini and Harry Potter star, Daniel Radcliffe’s Fiat Punto.

However, no celebrity car is complete without a personalised registration plate. Recently, Formula One racing driver Lewis Hamilton reportedly paid £200,000 on the personalised registration LEW 1S; however the driver won’t be putting the registration onto his Mercedes SLR or McLaren F1, however, with the plate destined to be attached to his Mercedes GL420 4×4 off-roader. Other famous registration plates include magician Paul Daniels’MAG 1C, singer Englebert Humperdinck’s EH 1 and business tycoon Sir Alan Sugar’s AMS 1 that will be regularly seen in the opening sequence of the show’The Apprentice ‘.

Paul McIndoe writes for an electronic digital marketing agency. This article has been commissioned with a client of said agency. This article isn’t designed to advertise, but should be considered professional content.

Within the last few years, people have been talking a whole lot about cryptocurrency. In the beginning, this business sounded scary but people started developing rely upon it. You might have heard of Ether and Bitcoin. They both are crypto currencies and use the Blockchain Technology for highest security possible. Nowadays, these currencies can be found in several types. Let’s know more about it.

How Can cryptocurrency assist you to?

As far as fraud is concerned, this type of currency can’t be faked as it’s in digital form and can’t be reversed or counterfeited unlike the credit cards.

Immediate settlement

Buying real property involves third parties, such as for example lawyers and notary. So, delays can occur and extra costs may incur hire blockchain developers. On another hand, Bitcoin contracts are designed and enforced in order to include or exclude third parties. The transactions are quick and settlements can be made instantly.

Lower fees

Typically, there is no transaction fee if you wish to exchange Bitcoin or some other currency. For verifying a transaction, you will find minors who receives a commission by the network. Although there is zero transaction fee, most buyers or sellers hire the services of a third-party, such as for example Coinbase for the creation and maintenance of these wallets. If you do not know, these services function the same as Paypal that gives a web-based exchange system.

Identification of theft

Your merchant gets your full credit line once you provide them together with your credit card. This is true even if the transaction amount is very small. Actually, what goes on is that bank cards work predicated on a “pull” system where the internet store pulls the required amount from the account associated with the card. On another hand, the digital currencies feature a “push” mechanism where in actuality the account holder sends only the total amount required without any additional information. So, there is no potential for theft.

Open access

According to statistics, you will find around 2.2 billion people who use the Internet however not these have usage of the standard exchange. So, they are able to use the new form of payment method.

Decentralization

As far as decentralization is concerned, an international computer network called Blockchain technology manages the database of Bitcoin. In other words, Bitcoin is underneath the administration of the network, and there is no central authority. In other words, the network works on a peer-to-peer based approach.

Recognition

Since cryptocurrency isn’t on the basis of the exchange rates, transaction charges or interest rates, you need to use it internationally without struggling with any problems. So, you are able to save a lot of time and money. In other words, Bitcoin and other currencies similar to this are recognized all over the world. You can count on them.

So, when you yourself have been looking for a solution to invest your more money, you are able to consider buying Bitcoin. You can either become a miner or investor. However, ensure you know what you are doing. Safety is easy but other things are very important to be kept in mind. Hopefully, you will find this article helpful.

Bitmora is the brand new game changing development of today. If you are into digital currencies, we claim that you have a look at Bitmora cryptocurrency exchange.