Finance

HOW EXACTLY TO Protect Your Investments Against Volatility

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Our ethos at Hassium is to concentrate on prosperity preservation. Whether you have £10,000 or £10m, lots of the same guidelines to invest apply. You need to concentrate on the future. Stock markets will be increasingly volatile – a measure of market risk – so that it is important to be reasonable in your objectives for investment earnings.

Your key factors for deciding where you can allocate your cash are risk, liquidity, and diversification. We advise focusing on the five big strategic investment decisions you will need to get right to be able to weather the “volatility storm”. At least 80% of your profile should be in liquid investments, i.e. cash or cash-like financial devices.

This is not because we think the world is dropping apart but rather because we believe there will be some amazing buying opportunities for investors over the next few years. Part of this strategy is to keep about 30% of your investable resources in cash and short-dated bonds. If the most severe were to occur (the so-called “Black Swan” event), the pricing of all major asset classes – bonds, shares, property – would become highly correlated. In this particular event, cash and short-dated bonds would be the only real way to diversify your risk from financial markets.

Traditional asset allocation and stock portfolio diversification would go directly from the window. Depending on your base money, we would recommend sticking with top quality government bonds within the longer term – UK gilts, German bonds, and US …

Diy Investor (uk)

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Charles Stanley is one of the UK’s leading independently owned, full-service stockbroking, and investment management groups. In December 2013 they purchased a finance management group, Evercore Pan Asset Capital Management Limited, for a partially deferred payment of up to £2 million. Pan manages in excess of £500 million with respect to pension funds, charities, and corporate and private clients. It specializes in providing passive investment management within market industries which it positively selects, which brings a fresh sizing to the groupings investment management knowledge and to the range of investment opportunities available to their existing clientele.

The group have incurred significant additional costs within the last year consequently of RDR conformity requirements, updating systems to offer an improved service to clients and combined with the roll-out of the diy system, Charles Stanley Direct (CSD). The business issued a trading declaration earlier this week caution that revenues are likely to be below prior anticipations.

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This experienced a knock on impact to the talk about price which includes been on the glide for much of the year. That said, client money has increased to £20.5bn within the last 5 weeks and CSD has increased property by 18% to £0.9bn. This talk about has been on my watch list for over two years, which means this is no impulse decision. Just 9 weeks back the share price …

The Rise Of Private Equity Investment In Mining & Resources

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One development that sets 2013 apart in mine fund circles is the rise of private equity. While private traders have traditionally shied away from the sector for their insufficient mining knowledge and aversion to volatility, recent good buys have proven too appealing to withstand. 10-15 billion to obtain mining assets in 2013, said Howard Burshtein, somebody at Baker & McKenzie, at a presentation in Toronto in October.

10.3 billion this past year) miners are expected to raise on the Toronto STOCK MARKET and TSX Venture Exchange, the original source of mine financing for junior and mid-tier companies. In keeping with their conservative investment style, private equity firms are mostly angling for projects that are in production or have the potential to produce cash flow within a year or so, not exploration projects.

The exemption is a Toronto-based vendor bank or investment company Miners Group, which last year launched an exclusive collateral arm – Invest Partners – to take advantage of previous stage opportunities the bigger firms are likely to dismiss. Are a few of the players to watch for in 2014 Here, though due to the “private” nature of the carrying on business, the deals may be difficult to monitor unless they involve publicly-traded companies with a duty to disclose. 1.3 billion for investments in natural resources earlier this yr. 300 million to help Virginia-based miner NRI Management buy assets with a focus on coal.

For example, after rates of interest rise and plateau, it could be worthwhile allocating a …

Hedge Fund News

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As a result the JP Morgan Global Bond Index returned a staggering 4.10%, its highest regular come back in years, according to the paper. Meanwhile, the Clade collateral long-short index fund came back 20.17% over one year, while the offshore, improved index fund denominated in dollars was 7 up.69%, based on the newspaper.

Conversely, there are a number of CITs which exist independently, without a mirrored fund. For instance, some target date account series – Callan Glidepath CITs, Principal Hybrid CIT – haven’t any corresponding mutual account. Thus, retirement plan clients looking for candidate investments because of their lineup need to keep CITs in mind because they are investment products you might miss unless you did a particular seek out CITs. Why is matters genuinely confusing is whenever there are mutual money and CITs with similar names and the same parent company, but the shared finance and CIT follow different strategies with different portfolio managers, different underlying sub-managers, etc.

For example, Schwab’s Managed Retirement Trust Funds, their CIT series, are extremely unique of the Schwab Target Retirement mutual account series. The underlying managers in the shared fund series are predominantly Schwab products and from Schwab owned subsidiaries. In contrast, their CIT series runs on the higher proportion of external money managers (Loomis Sayles, William Blair, Templeton, Dodge & Cox) in combination with proprietary Schwab investments. Why use CITs whatsoever?

The primary advantage for a CIT is that it’s often less expensive than a similar mutual account. Invesco reviews suggest CIT …

The Prichard Blog!

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In a family, you find a real way to care for priorities with whatever money you have. If your son outgrows his coat, he is bought by you one that fits, even if it means lunching on peanut butter sandwiches for the next three months. If your daughter needs brackets, it is got by you done, even if this means continuing to drive a battered car with a broken air conditioner and 150,000 were on it. Finding a way and paying the essential expenses is what parents do. As a continuing state, it is time to do the same thing.

To equip our children for university and once and for all jobs, we have to deliver on our new requirements, and the attempts that requires the need to be our financial priority. Race to the very best funding could have made that work much easier, but the work must be achieved. It’s time to begin figuring out how.

17.A is for five years 5 million. 26 a student, and about 0.3 percent of average current spending at the area level. If districts count delivering on the standards as a high priority, they need to find ways to move the needed resources. 17.5 million a yr for five years. 22 million for 2010-11 (and significantly less than that for 2011-12) for all your work done by the Department staff. The Commissioner and the condition plank cannot, with the tightest budgeting even, discover a way to free those funds.

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Credit Bubble Bulletin

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Contemporary global finance is a complex “system” of interwoven (electronic) “faith-based networks.” As the bursting of the global Bubble unfolds, myriad “financial dogmas” will be shown as bogus. Many have been bit more than chicanery Too. Generally, global finance is made up of a labyrinth of IOUs. And IOU value depends on confidence, faith and trust.

Over modern times an excessive amount of global finance has been underpinned – directly and indirectly – by concerted attempts of the world’s central bankers. Trillions of newly minted authorities finance have been validating tens of Trillions more of private-sector commitments and asset prices. Now, faith in the almighty power of central bank Credit and fiscal deficits, unquestioned for much too long, has begun to dim.

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The unfolding global crisis of confidence extended and accelerated this week. Global financial tumult has accomplished sufficient momentum so that even U now.S. Yet, for some in the U.S. Silicon Valley is heroic, the banking system is rock solid, and the corporate sector is awash in cash. The U.S. economy is viewed as insignificantly exposed to China’s financial slowdown – and also to global …

Credit Bubble Bulletin

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Contemporary global finance is a complex “system” of interwoven (electronic) “faith-based networks.” As the bursting of the global Bubble unfolds, myriad “financial dogmas” will be shown as bogus. Many have been bit more than chicanery Too. Generally, global finance is made up of a labyrinth of IOUs. And IOU value depends on confidence, faith and trust.

Over modern times an excessive amount of global finance has been underpinned – directly and indirectly – by concerted attempts of the world’s central bankers. Trillions of newly minted authorities finance have been validating tens of Trillions more of private-sector commitments and asset prices. Now, faith in the almighty power of central bank Credit and fiscal deficits, unquestioned for much too long, has begun to dim.

  • The Foreign Earned Income Exclusion and Number of
  • The investors should first measure the needs and then make investment appropriately
  • FIC – Fraternal Insurance Counselor – honored by the Fraternal Field Manager’s Association
  • Keep PA Beautiful Urges Residents TO BE Involv
  • Agents’ responsibilities to the investor
  • The intermediate goods purchased by an industry plus the revenue of the industry
  • Why sustainable trading is smart

The unfolding global crisis of confidence extended and accelerated this week. Global financial tumult has accomplished sufficient momentum so that even U now.S. Yet, for some in the U.S. Silicon Valley is heroic, the banking system is rock solid, and the corporate sector is awash in cash. The U.S. economy is viewed as insignificantly exposed to China’s financial slowdown – and also to global …

Uneven Growth In US Medical And Health R&D Investments Across Sectors

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3.5 trillion in U.S. America’s Chair, the Honorable Michael Castle. Biopharmaceutical companies contributed the largest talk about of financing within the industry sector (77.5%) in 2016, accounting for more than half (52.3%) of total U.S. Year R&D expenditures last. The two-year suspension of the medical device tax, which went into effect in 2016, likely contributed to a rise in R&D investments in the medical technology sector last year. Industry members, including those specializing in software, transportation, and semiconductors equipment, increased investments substantially on a share basis from 2013 to 2016, likely as an iterative effect of investment growth in the medical technology sector or diversification strategies. Federal R&D investments were uneven across health agencies during the four-year period.

They find that, in the long run, about 17 percent of a lower in labor taxes is recouped through higher financial growth. The comparable figure for a trim in capital taxes is about 50 percent. Which means that the true revenue cost of the slice in capital fees is only fifty percent of the cost estimated with static scoring.

All of the studies of capital increases tax rate slashes that I’ve seen appear to agree that they lose revenue. If anyone has otherwise seen a report that suggests, please leave a comment with a link to it. The point is, it’s clear that the claim that such cuts increase earnings is, at the very least, heavily contested.

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Why Do You Need Venture Capital

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Often, finding capital raising investors is simpler then finding angel traders somewhat. This is primarily because of the fact that capital raising firms hold themselves out as professionals trying to invest in small and mid-sized companies. It isn’t easy to endeavor in to the global world of business. Starting it up has already been a hard task as you should know where you’d get the administrative centre to put it on the go. You also need money to expand it for a bigger profit. This is actually the universal problem of aspiring entrepreneurs. However, there’s been a formulated solution to this problem.

Venture capital would be an aspiring entrepreneur’s associate in their smallest origins. Exactly what is a venture capital? These are loans issues by traders to small businesses and firms to be used a capital for the starting businesses or as funds for the introduction of small firms. It can also be termed as a continuing business loan since its main purpose of issuance is for business assistance. For lenders, capital raising is a high profiting track.

Despite the success or failing of the business who issued a business loan from them, lenders still have the to place interest on the lent amount from them. Also, they become shareholders of the companies/small businesses that applied for financing from them. Traders also tend to choose who they will concern an ongoing business loan to. Most likely, they would render a venture capital that is definitely to grow in a time …

Why Do You Need Venture Capital

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Often, finding capital raising investors is simpler then finding angel traders somewhat. This is primarily because of the fact that capital raising firms hold themselves out as professionals trying to invest in small and mid-sized companies. It isn’t easy to endeavor in to the global world of business. Starting it up has already been a hard task as you should know where you’d get the administrative centre to put it on the go. You also need money to expand it for a bigger profit. This is actually the universal problem of aspiring entrepreneurs. However, there’s been a formulated solution to this problem.

Venture capital would be an aspiring entrepreneur’s associate in their smallest origins. Exactly what is a venture capital? These are loans issues by traders to small businesses and firms to be used a capital for the starting businesses or as funds for the introduction of small firms. It can also be termed as a continuing business loan since its main purpose of issuance is for business assistance. For lenders, capital raising is a high profiting track.

Despite the success or failing of the business who issued a business loan from them, lenders still have the to place interest on the lent amount from them. Also, they become shareholders of the companies/small businesses that applied for financing from them. Traders also tend to choose who they will concern an ongoing business loan to. Most likely, they would render a venture capital that is definitely to grow in a time …

Political Risk, Institutions And Foreign Direct Investment

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The paper explores the linkages among political risk, organizations, and foreign, immediate investment inflows. To get a data sample of 83 developing countries covering 1984 to 2003, we identify signals that matter most for the activities of multinational companies. The results show that authorities balance, external, and internal conflict, corruption and cultural tensions, law and order, Democratic accountability of government, and quality of bureaucracy are highly significant determinants of international investment inflows.

Average fees on variable annuities are 2.33%, compared with mutual funds’ 1.32%, however they can top 4%, including death-benefit fees, administrative fees, and underlying mutual fund expenditures. Michael Zhuang, an advisor at MZ Capital in Washington, D.C., said a buyer asked him to go over his adjustable annuity contract lately. However, it’s entirely possible to discover a lower-cost variable annuity, such as those offered by Vanguard, Fidelity, Charles Pacific, or Schwab LIFE INSURANCE COVERAGE Co., among others, advisors say.

And for investors who’ve maxed out contributions to a 401(k), IRA, or other tax-favored savings plans, a variable deferred annuity will make sense, some advisors say. THE PUREST OF ALL annuity products-favored most broadly by advisors-is an instantaneous annuity. The insurance is distributed by you company a chunk of money, and it converts it right into fixed regular payments for life or a specified period away. Some economists say these are baffled by the reduced level of participation in the products, given their benefits.

Aside from the guaranteed income, lifetime annuities actually give retirees higher regular obligations than they …

PHP Developer At Wren Kitchens

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Salary to £45K with an excellent benefits package discussed below. So you think you understand Wren Kitchens? Did you know the scale of Wren Kitchens’ family owned operation? A dedication to 1200 new careers as part of a £120million investment! Did you know that Wren talk about their commercial success with their staff? Now you understand about the wider business, it’s time to concentrate on technology!

It will go without saying that, as with modern companies, It’s the enabler of everything that Wren Kitchens does, but did you know that many of these IT systems are built in-house by the 70 strong development team? This technology team is led by technology people; Developers who have been there and done it signifying they know very well what is possible and understand reasonable timescales for bits of work. They work to agile methodologies and the days get solid documents, taken jointly by dedicated BAs, and prioritized by specialized PMs.

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They need Developers who are able to solve complicated business problems, building enterprise level software systems to support the wider business in all types of areas covering Customer Services, Manufacturing, Logistics, Retail, and the public-facing websites. These Developers will sign up for either …

John Is A Bachelor

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John is a bachelor. He majored in electric engineering many years ago, works part time with his father with this paternalfather child business they come up with. He bought his first house about twenty years ago, paid it off in 7 years by living frugally and since then has continued to live frugally his lifetime. Within the last 20 years he has ebbed and flowed between regular daytime work and focusing on his business along with his dad, as it suits him, for he will not really need very much money to live. 150 for 1/2 an hour of work) to the idea he could pay CASH for two rental properties, now today he collects rental income from which.

Now the man majored in the right field and coupled with his experience he can make book coin if he so desired. 300 per hour I’m sure we would too. Now this can be an important point to understand for the reason that it will clarify why not only none folks will be collecting social security, but why this stimulus will fail, like the new deal just.

First off, yes, John makes enough money to live. However, he is not “living the high life” as some would think. The man has enough residual income from his investments to produce a decent living. Understand that there comes the point in someone’s life that they realize all they have with this planet that is of any worth is their time.

And while money …

Guide For First Time Buyers

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Real estate trading continues to be one of the best ways to create wealth and a sound financial future. Although it is true, it might not be the case all the time. If you are a first-time investor, it is a good idea to keep in mind that investing in property is not an instant road to riches.

Just like any investment, it is critical to learn about the risks involved and the opportunities that you can get with buying an investment property. Are some tricks for first time investors Below. Learning about how real estate really works is crucial before making your first investment. This is actually the first step to in for it. Getting the facts from individuals who have prevailed in real estate investment is also good idea.

As much as real property offers opportunities to reach your financial goals, there are dangers that you must deal with also. Studying the do’s and don’t first would help you avoid potential pitfalls that you might encounter on the way. Although there are several options when it comes to financing an investment property, obtaining a sound advice can help you make good funding decisions.

Getting the right kind of mortgage will make a big difference as it could mean benefits. Knowing the difference between each type of mortgage gives you to pick the right one that suits your finances. Return on investment is generally a major goal in any investment effort. Thus, choosing a house with a potential to …

How To Survive This Recession And PROSPER APPEARING OUT OF It

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For supporters of my blog because the recession started, I hope you do as well as I did so trading around positions in gold, oil, metals, and banks. First things first, evaluate your own house, figure out what your location is and where you desire to be by the end of the entire year.

Also find out your investment horizon and risk tolerance. Action plan 1: contribute to your TFSA and develop it – this is actually the best cost savings vehicle for everyone – any interest/gains/dividends received is taxes free forever. If you want to focus on growing something, this is actually the vehicle to put some effort into. TFSA, all future dividends are tax-free (permanently). 8% of interest income.

Action plan 3: rebalance your investment portfolio – are you too seriously weighted in one sector/area? Take a look at your investments to make sure you are diversified in a few sectors/areas – set income, real property, cash, metals, stocks etc. it really depends on the average person so there is no “magic” formulation that works for all. A long-term balanced stock portfolio could have 5% cash, 20% dividend stocks like banks, 20% commodity stocks and shares, 20% local rental properties or REITS, 25% bonds or GIC and 10% hi-tech or smaller cover stocks for growth.

If commodity shares rise significantly, then your other areas will drop in % weighting. 4% yields. For further sophisticated investors, undertake writing covered calls or writing uncovered sets to get positions can truly …

Securities Markets And Investment Bankers – Video & Lesson Transcript

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Meet Sarah. She’s begun a green energy company that designs and creates wind turbines. Her business is growing quickly and successfully, but she actually is working out of money to fuel its growth. In fact, she needs a lot money that her bankers don’t want to consider the risk of loaning her the tens of millions of dollars necessary for her business to go to the next level.

However, Sarah can seek capital through the securities marketplaces. Securities are usually either stocks and shares or bonds. A stock, known as equities or shares also, is an ownership fascination with a company. You can think of stock stocks as owning a talk about – or part of – the ongoing company. A bond, called a debenture sometimes, is a debt instrument, which really is a promise to repay a debt. Stocks and bonds are exchanged in markets.

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A securities market is a market where securities are exchanged either in physical or electronic exchanges. Securities markets are divided between stock marketplaces and relationship marketplaces generally. A stock market involves the trade of equity securities, that are ownership interests of an organization known …

How Is Investment Property Taxed?

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Before buying a house to let it is wise to understand the tax implications and what expenses you can declare back. Before buying a property to allow it is wise to understand the tax implications and what expenses you can claim back. What’s property speculation and exactly how is it taxed? Property speculation is thought as buying property to resell it at a income and it is regarded as a trade under South Africa’s tax regime.

That means any income you make on the sale over the house is taxable as is the income you create by hiring it out. Some expenditures, you run up between investing the house are taxes deductible – for example interest paid on the relationship and rates, taxes and levies.

But you can’t state these expenses against both your rental income and the arises from the sale of the property. What about buying a house to rent out? If you buy a property to generate rental income primarily, you may declare all expenses related to your day to day running and maintenance of the property as a taxes deduction.

Some examples of these taxes deductible expenses are interest paid on the connection, levies, taxes, and rates, and fixes. Capital expenses, such as extensions or improvements to the house, might not be deducted against rental income. And imagine if I incur a loss on a house I rent out? A bonded property will usually reveal a taxable reduction for about the first five many years of …

Wealth Management And Monetary Planning

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Wealth management can be known as an advanced self-discipline associated with advice in conditions of investment which incorporates specialist financial services and financial planning. The primary objectives are providing family members coping with services in retail banking, legal resources, investment management, and taxation advice goals to maintain and develop long-term wealth.

Monetary planning can help the individuals who are accumulating prosperity or have previously done so. Wealth management can be exemplified through self-governing advisors or huge commercial entities such as Citigold of Citibank and the other extensions regarding services relating to retail banking designed for focusing on customers dealing with retail worth high nets. Customers of such type are likely to be grouped as ‘top retail’ or ‘mass affluent’ clients owing to net well worth of theirs, potential products owned by them from the bank or investment company, property of their under management, and a great many other segmentation methods.

Banks create exclusive services, branches, and other advantages of retaining or appealing to the customers who are able to earn more income in comparison to the customers describing with retail bank. It will, however, be observed that clients of prosperity management cannot be termed as ‘Private Banking’ clients as they do not justify the requirements of services of banking provided by private banks. The term ‘Wealth Management’ traces its origin in the 90s in the United States through Insurance Companies, banks, and Broker Dealers. People engaged in the wealth-management work for brokerage firms generally, investment banking institutions, accounting firms, lawyers, …

The Heretic’s Guide To Global Finance

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Yeah, only people who have less clue about the truth are the ones that think, “Inflation is triggered by the minimum wage”. I.e. – Keep your money someplace else, create careers where labor is cheap, and make someone else shell out the dough, so you keep as much money as you can, without spending it ever.

Since the quantum of inked spilled (real and virtual), the true amount of webinars and conferences kept, and the number of dollars spent on this topic is vast. Businesses will not cost in a huge amount if you are looking ahead to renovate or freshen up your office space. Listed below are a few of the tricks that will help you save big money while giving your workplace the invigorating impact that it needs if you are seeking for an office makeover this season! BusinessThere is a lot of buzz about Artificial Intelligence (AI) nowadays, specially when you are thinking about the possibility of using AI in calculating Customer Experience (CX) where this excitement of the CRM suppliers seems justified.

Do You Know Your GDPR Rights? BusinessYou may keep in mind this time this past year when you weren’t able to select any website or email without hearing about GDPR changes. Every site would screen you with something such as “We’re making some changes to our Privacy Policy. Why Business Analysis Certification Program is a good choice? BusinessNearly thirteen years back, the International Institute of Business Analysis(IIBA) was established in Canada.

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Real Estate Investments In Malaysia

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This is UEL, a Singaporean developer’s 1st project in Malaysia. UEL being truly a reputable company back Singapore will ideally still do it First Time to stamp their mark here. They have it right with the location already. You can’t ever beat this one. In the CBD fronting Jalan Raja Chulan with access from 2-way traffic. This is one up from St Mary Residences or immediate rival The Tribeca in Jalan Imbi which can only just be reached from a one-way street/road or Idaman Residence or KLCC Parkview which are located inside some unknown small street. Having lived in St Mary, You can be told by me how awful it is when you only have a one-way gain access to.

I am not stating that it gets jammed or blocked up. Else Everywhere, including in the suburbs get traffic jam during peak hours. But it is the non-peak sluggish moving traffic which gets at you when you need to make that irritating long crawl around the block merely to get home. It has been over a season since I pointed out in this blog about an up-coming project on this plot of land. If I can recall, the land was sold at around RM150million this year 2010. That is hearsay.

But the figure seems about right for the positioning and size. It’s really a very tiny plot, flanked by Wisma MPL, a Grade C office complex and a more impressive carpark which is awaiting development. Behind it is a Chinese …