How to wear tie correctly?.

Since FDM presentation is round the corner..due to Ck requested that all of us Must compulsory wear tie during our presentation..It is a right time to learn how to wear your tie correctly next time for those guy going to interview for job and probably for working time all may need to wear tie...So start from now..learn how to put up your tie correctly .before it wear in very messy and wrong method which create bad image ..

Here the video which teach .how to wear it step by step...happy enjoying wear the tie..Hehe
How To Tie a Tie

Do you like this blog? SUBSCRIBE NOW!

......Continue Reading.....

How to Get Ties That Match Your Suits

The tie you choose should have subtle patterns and background colors to match the suit. If you are unsure, ask for assistance in a good menswear store. 100% silk ties tend to make the best knots. If you feel choked when wearing a tie, make sure that the collar of your shirt is not too tight--this is often the cause of the discomfort.

There are 2 elements to consider. You need to consider first coordinating a color that goes with the suit, and then once you have decided on the color, look at the pattern.

**Choose the tie color**
Pale blue dress shirts work well with almost any tie - try one with some yellow or gold. Manipulate the monochrome look, teaming a light purple shirt with a darker purple tie.

**Select the tie pattern**
By choosing shirt and tie patterns to complement each other(not compete with). A subtly striped shirt can back a boldly striped tie, while a more eye-catching shirt demands a quieter tie.

source 1 - How to Match A Tie To Suit
source 2 - How to Buy the Right Tie for a Suit

For example,(1) if you see mostly navy blue stripes, add a yellow tie with a box pattern or a pin dot or polka dot patter. Today, you can even add a beautiful paisley pattern.

What did we just do? - Well, we took the stripes and set them off with boxes, paisley or dots. By doing this, we broke up the stripes on the shirt and introduced a breaking point which is a dissimilar pattern.

If you want you can even use diagonal stripes, just make sure that the stripes of the shirt and the stripes of the tie are two different sizes. Generally by two different sizes we mean at least a 2:1 ratio. If the stripes on the shirt are 1/4 inches, go with a tie that has stripes at least 1/2 inch. This will help the tie stand out rather than become a blur with the shirt.

(2) If the suit is one solid color, the job is easy. Put any solid color tie, or any color that coordinates well with any pattern that you like.

(3) If the suit has chalk stripes - you know those faint thin stripes, then you can simply just follow the same rules as if the suit were a solid color.

(4) If the stripes are very pronounced, wear any color tie that coordinates well with any pattern tie - except for stripes.

Do you like this blog? SUBSCRIBE NOW!

......Continue Reading.....

Learn more about what is western martial art

Western fighting style was getting familiar and popular now..As .the most famous is kickboxing..somebody still the kickboxing works..and I actually did not practice kickboxing before ..and Im a practising karate .So does not know what they work for the style .and some changes.But definetely it will be different from what we learn from karate.

Western people love practice MMA(mixed martial art) which join all the other martial art style and become a smooth combination..Their style include wrestling,karate, taekwando and much more...martial art are too board..which .MMA can perform by joining them together.

Western thinking sometime will be different from our asia country and also mindset of karate.Karate will emphasize less on body structure and strength.which they believe will slowdown their movement.But .western people love to developed a perfect body structure and their fitness by go for gym..Western thinking is quite succesfull.affect a lots of donnie yen, collin chou ..Robin shou..and jackie chan..which they beside emphasize on stamina but also body fitness.

If let say you all interesting to know more about what is kickboxing ..Here below got the link which it may provide you more information about that .

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

Did martial art is your second interest beside STUDY!?

Every person will have their own way of relaxing themself beside keep stay at home study.Some choose to play football,badminton ..and most of guy will choose basketball as their main sport.
But why martial art become less practice by most of student nowadays..especially for karate..At tarc..I started realized that tarcian choose to join..taekwando more tahn karate..
Actually..Kl branch shito ryu karate club.has been close down..for a long period (I think so).Because their noticeboard no people manage for long time ago.

Maybe probably is the fees problem .and people attitude (how they look about karate)..When i organise orientation recruitment for karate club..still remember got a student come and ask whether karate danger or not.and somemore ask me some noncense..oh god.please la.=.=
martial art where got such danger or not..Martial art is a kind of philosophy which can build personal strength and confidence .

Recently I noticed that Tarc had karate club recruitment..but sound no people interesting at all.But i definetely agreed the most of time people join taekwando more than karate.Again it need to see the people interest itself.There are a lot of other martial art .like wushu..kickboxing..juet kune do, judo and so on.

Western martial art is quite popular nowsday.but as student not afford to pay high training fee for that.They had their own way of style that totally different from karate..There are some stylish kicking which karate unable to do so.Karate still mainly focus on hand and punch.If you all loves kicking should go for western martial art.which able to learn like roundhouse kick,turning on.

Here Im take an opportunity say that Sensei Mori is the founder of Malaysia Shito Ryu Karate Do which contribute his energy and love on MASK karate..may he rest in peace.

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

It's a Progress?!

The idea of creating CK Chiau group in Facebook is adopted from Chin Kai =) Thanks for the unique idea! His group is called "AFA kids who love Assignments"...

Anyway it's up to you for whatever reasons not wanting to join CK Chiau group. I can tell you that CK Chiau had joined the group too (include the AFA Kids group). Creating CK Chiau Group its a benefit for us because the objectives are :

  • Every students can share CK's experiences -> because the experiences shared differs with classes!
  • CK don't have consultation hour -> so many students are unable to consult CK for advices(eg how to do a better presentation or maybe the job interview stuffs?)
Now I would like to tell you guys that CK Chiau Group has 34 members( this group has been up for 4 days now excluding CK Chiau himself of course) =D But the first objective is to get 50 members from AFA students has yet achieved so let's give it another 3 more days? See how the result on next Wednesday, 1st of April 2009.

I believe Mr Tan "penalization of marks in FDM" has an impact upon the students in AFA. There are 150+ students under CK Chiau but a lot of them believe that Mr Tan will deduct their marks because of joining group in Facebook...

Just so you know Mr Tan is CLEARLY joking about deducting marks!!! Come on lah why would Mr Tan deduct your marks for joining group in Facebook? Mr Tan is like that meh? lol funny la for those of you think like that...

Nevertheless just to show you how efficient is CK (sometimes CK said he didn't login to check email) but I can see CK almost always log into Facebook!
■ ι η v ι т є ■

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

Let's Turn Off Our Lights Tonight!

Today is the day we all Malaysians supports the Earth Hour to save our beloved planet Earth! By turning off the lights a lot of energy can be saved and reduction of pollution too. All these can be achieved by just turning off your lights for ONE hour!

Just so you know even airport will shut down for 1 hour and all flights will be delayed for 1 hour!!! Even 8TV and FlyFm both media stations are off air for that 1 hour too!!! Do you now see how big the influence is toward our country? We all should take part to save the planet Earth!

So let's turn off our lights tonight at 8.30pm till 9.30pm and enjoy the beautiful view in our country.... I think we should take picture or record in tape of the view we saw tonight and share with everyone around the world!!!

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

Time, Place create a Gap

Few more week, final exam is going to begin soon..These for some people ..they will think that .."wah ,fast fast come..and i wan finish my study then fly to SHU" But for me..I m not wish it come too fast .not because of Im not well prepared for exam..every people will face it want.the reason is when that day come and all my friend will seperate and no longer together study around ..joking at class...

Different people different expectation on their career...when these happen..time and place is a gap for us..Maybe next round .we have gathering.due to some reason ..some friend will not be able to meet up..just because the time not match...or most probably the place ..Some will went back hometown work.Then we even do 10 times ,100 times gathering .it may possible.wont have a total amount of people.come out.for gathering.

These what I have been try before..I found that my hometown friend and secondary friend cannot be.recruit back.(haha.not say recruit) mainly unable to attend gathering ..because of these two factor..time ,place.I personally think that these two factor are unavoidable want..

But we sure can break it though ..more contact ..and keep in touch always,hopefully ,we will spend sms with them.Most important is start keep all your friend contact msn ..facebook or enable keep in touch always..Treasury the moment.or it could be last ..Those who realy wan woo girls or boy also fast fast take action la.before is too late.if not time and place will make you all far apart..Then you will be regret next time...Im not so sure,maybe you guyz going can find other lover.haha..

Good luck in exam..takecare all my friend...have a nice days..Dont let time and place make us far apart...

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

Moving TOwards the world of "TRAnsformation"

The world is keep changing now..the environment and society all loves transformation especially
people..For a simple mean or people point of view.."transformation" merely is change (if im not mistaken)..Whole world keep changing ..nowsaday ..even .the product also can be change..I sure all of you will know right...for example ..Maxis number can easily transform to Digi without any any alteration on your telephone number to provide flexibility that you probably can save cost no need to sms friends tell them .your phone number has been change.

But then my main point is there..Im so confuse why .lesbian issue and Ah transform to Girls or vise versa. become so popular recently..Im not say look down these kind of people.but with this word "transformation" .they tend to try ..just for a believe..I know that is attitude problem..or due to some reason..Now the case is recently.I been provided evildence by someone that.recently my friend also love this habit transformation..haha..she always keep mention she is a boy..I dont know probably must ask back her.But it does digi and maxis jz have RM50 you can trasform whatever you like..haha.hope u think it carefully.before its too late

Disclaimer-->this due to some copyright reason..and im not going to show the people name there.and me will not responsible for any thing that happen perhaps these story created solely for fun and joke.Hope my friend all of you dont mind.have a nice

(here is the evildence shows a person so strongly mention she is a guy)

......Continue Reading.....

FDM Hatred Group

I just heard the news that there is a FDM Hatred Group in Facebook, I am shocked! This shows how aggresive are our AFA coursemates....LOL I did not even know this group existed in Facebook....Well really kinda sad as the news been discovered by Mr Tan Vooi Giap now, I am sure he is very upset by this group of people.

Although I am not quite sure how did Mr Tan found out this facebook group, but what is for sure now is he is not very happy...

~~AFA Kids group~~
lol this is the group URL but I believe the title of the group had changed...
Before = "AFA kids who HATE Assignments"
After the news spread = "AFA kids who love Assignments"

I know you all hate FDM but FDM helps you when you come out(after graduate) in working life. All Mr Tan wants to do is to HELP US. You can simply do the assignment and will still not get fail. It is a lot to do, I can't say I like it a lot nor do I hate it. What I do know is that I learnt a lot after doing this FDM. Anyway what's done cannot be undone, so be prepared to face the music guys =

Just to let you know, I heard those of you who had joined the group will get penalized. You will know this by tomorrow lecture.... Sorry for you all...

25th March 2009
Today March 25th Mr Tan announced it during the lecture and he wishes to penalize 2 marks on the person who created the group....Well what do you know? Mr Tan has an informant sms-ed ON THE SPOT to Mr Tan telling him the name and Mr Tan did not exclude informant's name somemore read out loud along with name of the AFA Kids creator!!!

LOL! Now I believe Mr Tan wishes to have a "chat" with him...haha anyway I admire his bold move and use the Networking platform efficiently.

Sorry la if you didn't attend the FDM lecture today you sure miss out who are involved, and I can say you will be surprised! haha!

Thus I also suggest to use the Facebook efficiently by creating a group with the name as "CK Chiau" ^_^

Updates 2 :
Let's support our beloved CK the FDM tutor for group 1, 2, 3, 4, 9, and 12 =)
CK Chiau Group in Facebook

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

How to Write Meaningful Mission Statement

3 Keys to a Meaningful Mission Statement

  • Pass the Mother Test: A mission statement must be a concise paragraph describing what your company does and for whom. Show your mission to your mother, if she does not understand it, start again.
  • Self-Igniting: Your mission is for you and your business. It does not have to be an earth moving statement. It can be whatever inspires you.
  • Value Alignment: Forget the money. A meaningful mission goes beyond the dollars and cents. If your small business is creative, focus your mission on creativity. Try to be what your core competency is.

I hope you can write a better Mission Statement for Zubinos or any assignments now....
Good luck...

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....

How to Write a Mission Statement


A mission statement is a brief description of a company’s fundamental purpose. A mission statement answers the question, “Why do we exist?”

The mission statement articulates the company’s purpose both for those in the organization and for the public.
1) Describe what your company does.

No need to be fancy here. Just say it, for the moment.

Sample Mission Statements

My company's purpose is to:
Sell shoes
Provide educational services
Grow market vegetables

2) Describe how you do it.

This is the tricky part, because we're not looking for a detailed description of your business's physical operations here; we're looking for a description of how your business operates generally. For most people, this means incorporating one or more of your core values into your description.

3) Add why.

When you write a mission statement, this is the part that describes your spark, or the passion behind your business.

Why does your business do what it does? For some people, it helps to think back on why they started their business in the first place.

For example;

"My company's purpose is to grow market vegetables using organic, sustainable farming practices to give people safe and healthy food choices",

might be rephrased to produce this finished mission statement:

"At Earth's Bounty, we grow market vegetables in a way that's good for the earth and good for the table".

4) Put your mission statement to work.

Besides directing your business planning, you want your mission statement to be front and center in the minds of everyone who works in your business and communicated to customers and/or clients. As the statement of why you exist, it's also the statement that explains to them why they would want to do business with you.

Some businesses go so far as to make their mission statements the themes of their advertising campaigns. If you do nothing else, you should make sure your mission statement is highly visible in your business premises, on your website if you have one, and on all your marketing materials.

A good mission statement isn't just a slogan, it's an operations manual and it can't provide the guidance it's intended to provide if people aren't familiar with it.

Read Full Article :
Source of the Definition
Source of Writting Mission Statement

Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....


What to write in Zubinos Ethics issue? Well here...

Melamine (same as Negative Publicity issue)
HR Issues raised by Kingsley Nu (same as HR)
Unfair Dismissal (same as HR issue)
Fair Trade, but already increased to 98%?
Competitors Rumours (from BPP)
High Calories food (from BPP, labeling solved)
Blaming Maria Todd?
Inflated Forecast
Prada bag

You should be cautious on what you write on Ethics as the report is for Luis Zubinos and the BOD.
FOLLOW THE STEPS TO CREATE "Zubinos 4 Action Framework‏"

Step 1: Compare Zubinos with local coffee shops (not Old Town, see handouts)

Note that Create is opposite of Eliminate. Raise is opposite of Reduce. So start by asking what is the difference between a Starbucks or CoffeeBean and a local coffee shop for a customer.

- Air-con
- Specialty Coffee
- Fair Trade/CSR
- Ambience
- To be seen (transparent environment)

- Table service, encourage self-service
- Hot Kitchen which means No cooking just heat up or microwave.

- Price
- Service
- Quality Control
- Hours opened 24/7/365

- Food Variety
- Unhealthy or dirty shop

Step 2 :Compare Zubinos with Starbucks

- Fair Trade is 98% compare to Starbucks 6%
- Price? as Fair Trade coffee.
- Service (same as above) as Luis Zubino emphasis.
- Food like sandwiches
- Hours opened 24/7/365 (same as above)

- Delivery, catering, etc
- Ice cream, Teh Tarik, Roti canai.



Step 3 : Combine above in a matrix.

No need 2 matrix, see Yellow Tail which compares with premium and lower end wine.

Give a title :-
"Zubinos vs Starbucks and Local Coffee shops
4 Action Framework"

Step 4 : Draw Strategy Canvas

Use 4 Action Frame to plot your canvas. Give a title eg "Zubinos vs Starbucks and Local Coffee shops - Strategy Canvas" . Note title emphasis on Zubinos. Do you need a key?

Note for Fair Trade, mark off Starbucks at 6% and Zubinos at 98% on the vertical axis of the graphs.

Do you like this blog? SUBSCRIBE NOW!

......Continue Reading.....


HI..guyz...These is FDM after presentation.lets discover what happen for them.after finish class..^^..Enjoy u can see..when at very beginning..both of them were so boring ..jiejie:Why?.still dont want fast go snap picture and eat hungry lei!!!! too..why always need brainstorm?..hungry..sit down 1st..

Ken: come come come...we also snap piture 1st ..let uncle alone wait la...haha

Elyn:..biting come we snap 1st lo ...dun care about them nya..^^

Deng!!!Why Kit xiu long still haven come?..I wan snap photo wan de mah ..cannot always give these two girl snap only..somemore ken and choi also snap jor...

Hew:...Ah dun care 1st la...Ah choi, choi....come snap some photo 1st ..while waiting kit xiu..

Here come like one short one tall agent....double agent..

Finally ,Kit xiu come..snap a boy gang 1st ^^..see kit xiu got a bit rush fast ..^^

After that follow by all the girls lol..Abit far lo..cant really see them clearly..keke

Hehe afterwards sure 3 men shows lo....hey..oNg..why our background got some like tulisan jawi wan ...haha

one king serve by two ..girl servant...hahaha..Biting should wear white colour too mah..if so .thats was perfect lo..white gang..^^

Yo...our gang seperate by two .group for that asisgnment..these is group number 2. Four white plus one black one grey...

see..these is our gang 1st group society ...most of them wear black .colour shirt.haha ken u need to wear black colour time..or white also can..^^

hehe...see 1st role ..all smile so happy exspecially kit xiu ,ken,jiejie...opps kian yong improve close the eye..when snap picture..But wonder why back role..dai dai lou..and kena "shoot"..haha...keah hong apa la..last time at genting picture u also talk phone wan big business meh ?.

Keah hong:haha..sorry la...see this time i no hide myself at back talking phone lo..jz now wife on call mah im at 1st role .smile la..cheer...Yeah..alamak.kian yong eye close again..hehe..

with this picture..we call a day lo..and go for our lunch ...YES..
Do you like this blog? SUBSCRIBE NOW!

......Continue Reading.....

Zubinos FAQ

This is the Second set of Zubinos FAQ from Amelia, please use it wisely.

1) Anita can only sell shares to other directors (pg194). Does this rule apply to KPE as well? If so, is it still possible for KPE to sell the shares to WCB, who is a not a director of Zubinos?

Good point. Firstly, it is not stated if the rule applies to KPE. But anyway what happens if the other directors do not have the money or do not wish to buy Anita and KPE shares? I suspect the other directors only have a right of first refusal and the scenario is badly worded. Otherwise as you noticed, how can Anita and KPE be thinking of selling to Whistle. I suggest we do not get over technical on this!

2) In pg145, it is stated that zubinos has problem of late payment by its customers. However, with the introduction of e-commerce in your handout, late payment will not occur anymore as customers must pay upon ordering. Is that correct?

No. Regular customers can still be given credit ( to cultivate loyalty and for customer convenience )so they may be required to only settle at say month end. So late payments can still occur. ( BTW, my handout did not introduce e-commerce. This is already in place. The handout only suggested outsourcing the call center).

3) The handout says the expansion plan in Europe is put on hold. Can we say that it is not appropriate to make the decisions of freezing europe’s expansion plan and entering into Malaysia simply based on the forecasts? To solve this, we conduct a PEST analysis with the outcome identical to that of the forecasts?

The reason for putting Europe on hold was because of the forecast downturn. So the figures forecasted for Europe in the Unseen Data will probably not be achievable. I put this in because the scenario needs to be changed otherwise you will all have the same answer as the sample answer! But of course in a case study, there is no right or wrong answer, if you can justify your position with rational arguments. If you can justify Europe, why not expand to both Europe and Msia? Or use franchising and expand to Thailand, China , etc.

Third set of FAQ from Chee Khoon ( a.k.a Ken)

1)we are need to identified 7 key issues that facing zubinos when they invest in malaysia? or identified 7 key issues that facing zubinos as a whole currently at europe? or both??

Identify the issues as at report date for the whole Company ie. including Malaysia. Should Europe be included?

2) from the information given, there are 5 key success factors (KSF) which are brand awareness, human resources, supply chain management, location and financing. when we identified the 7 key issues, do we need to consider the KSF to find out the key issues??


3) revised cash flow given in question was year 2006 to 2010, so is it mean our current year is year 2006? If so,the melamine problem in milk products arise in year 2008 actually, so do we assume that this melamine peoblem happend in 2006???

I had to use 2006 so that the base scenario is still valid. Yes, you can assume Melamine problem occurred in 2006.

Disclaimer : These information is only for education purpose and solely for education only. The information is not suppose to be copied or distributed elsewhere without the concession of the related parties or you will be classified as copyrights infringement. If the authors are offended or feel any infringement involved please contact me at Thank you for your cooperation.

Do you like this blog? SUBSCRIBE NOW!

......Continue Reading.....

Zubinos FAQ

This is Zubinos Frequent Ask Questions.

I had done the compilation so everyone do not have to keep on opening back the emails and refer. I am merely trying to ease your reading and mine! I believe this will help those who doesn't get the FAQ email too. So these are all for the Financial Decision Making course( FDM )!!

1) For the recomputation of the cash flow for Zubinos's Cash Flow, Should we use the Approved figures or the Updated figures? Does the Approved figures include the Malaysian expansion or just the European expansion plan?

Since the European expansion is off, you must use with Malaysian expansion. There is only 1 set of figures with the Msian expansion, ie. in the handout.

2) We are required to extrapolate the Cash flow to 10 years but the concern is that after year 5 on what basis do we extrapolate for the Post tax Cash Flow? Constant on the assumption that the growth of Zubinos is zero after year 5 or fluctuation? if Fluctuation, is it going up or down? This quries arise because we do not know the rate of expansion for Zubinos after year 5 as our case only cover till year 5. Should we be optimistic and state that the cash flow increasses steadily or be prudent and state the cash flow goes down?

I had covered this in lecture. The simplest is to use the 5th year figures for the 6th to 10th years. Or to increase the 6th to 10th years by the same percentage growth forecast for Year 5 or for average growth in 1st to 5th years. Any other reasonable projections can be accepted, just state your assumptions. (This is a common problem you will face in real life, if you cannot get the Finance director to provide you with projections).

3) In the case study, it is stated that the updated cash flow does not include the increase in coffee price and currency risk in 2006. Does that mean only the year 2006 needs to be adjusted for the currency and coffeee price increase or all the 10 years? I was in the opinion it was for all but my team mates were stating it sounded only for 2006.

I will say all 5 years. But the student sample answer in BPP assumed only 2006. You decide.

4) In regards for the capital expanditure, what is the capital expanditure if Zubinos enters into a joint venture in Malaysia? Besides that, is Malaysia the only expansion for Zubinos? Does Zubinos enter into the European market after year 5? If yes, at what rate?

Use back the same capex as in the Pre-seen data on page 151. But you may adjust if you think necessary eg. reducing the capex if you feel cost in Msia is lower than Europe. Just state your assumptions.

5) Terminal value. Due to the queiry in 4), we are cracking our heads here. We do not know how many shops Zubinos has in year 10 and how much capital expanditure did Zubinos incure.

Look at the capex and just make an assumption as you also know the age of the capex. The important thing is I want you to learn this principle which will help you to increase the valuation as a seller in real life.

Disclaimer : These information is only for education purpose and solely for education only. The information is not suppose to be copied or distributed elsewhere without the concession of the related parties or you will be classified as copyrights infringement. If the authors are offended or feel any infringement involved please contact me at Thank you for your cooperation.
Do you like this blog? SUBSCRIBE NOW!
......Continue Reading.....