Public Mutual Fund

Well, actually i don't have any idea on investing Public Mutual.but i have learnt some useful info from lowyat forum and would like to share it here.

Q1:Hmm.. interesting... I invest in PB by myself, in which i go to PM HQ at Damansara to start the account. In all my statement i have a UTC name on it which i have never met and never seen before. So far invest 7 years liao, also never receive phone call before although already dump tens of thousands in 3 funds. Yet I have to pay the 5.5% at every transaction. Wonder where the money go? since I have contributed thousands in fees already, yet never got anything, I am beginning to move my funds to cheaper options.

Ans1:gark,

Just ask yourself if you would set up a company and provide free services. It is our policy that every investor must have a consultant, that was why the system randomly chooses a UTC for you. In the 7 years, if you have not been serviced by the consultant, why didn't you make a report? Because you were enjoying good returns from your funds, so you did not even bother. Look back at your returns, what was the 5.5% compared to it?
A statement which I always share with my clients: "You get what you paid for".

Ans2:Scenerio 1
Assuming one low entry fund (Fund A) charge at 2%, and PM charge at 5.5%, you put rm10K each for Fund A and PM fund for 1 year, after 1 year u sell the fund.
Assuming both funds give u the same gross return of 10%, Fund A will give u 8% net return (10%-2% initial charge), while PM net return only 4.5% (10%-5.5%), so u see the effect between the low initial cost fund and hight initial cost fund? Pls dont tell me PM fund return is the best in the market that is why they charge 5.5%, or u shd pay 3.5% more, low entry cost fund doesnt means low return.



Scenerio 2
Assuming u invest RM10K in Fund A, after deducting the 2% initial charge, ur net invested amount will be RM9800, while the net invested in PM fund will be RM9450, asuming u invest for long term, say 10 years, average return of both funds are constantly at 10% p.a. for easy calculation. On the 11th year, Fund A will give u a total return (with principal) of RM25418, while PM will fund only give you RM24510, u r worst off by RM908 in 10 years time.

Either u invest for short term or long term, low cost fund is still better off.
Note: i dont work for any UT company, just a layman investor

Ans2:
No doubt PM is one of the pioneer in the industry with long history, 10 years ago there were not many Mutual fund companies around, so PM can easily outshine the others if u r talking about 10 years ago with less competition.

However, if u look at http://my.morningstar.com website (an independent website that track unit turst performance in the country), look at the 1 year - 3 years catagory, many funds performance are overtaking Public Mutual funds, including OSK series (with 2% initial charge invest via Fund supermart), and CIMB/RHB/Am Mutual series (if subscribe via CIMB Click, initial charge is 2.5% for equity funds). If Public Mutual do not do anything to reduce the initial cost, it will loosing the market shares, investors are smarter and cost sensitive now.

Note: i am still an existing customers/supporter of PM, with PM Gold Elite Status

Ans3:

i will not prove you wrong as i do not want to affect you and many agent's rice bowl. Those who choose to invest in PM may not have information on how and where to invest in lower service charge funds. PM is using the personal touch service/ agent service to approach those who are busy, do not read and research around, and do not have much knowledge on investment, not cost sensitive investors. So it got a niche in the market.

I guess i have provided sufficient info on how low/high cost funds will affect the return of the funds in short/long run. I am not here to debate with u, perhaps Public Mutual will reduce its cost, i have no complain on Public Mutual except for their initial charge.

We just look at different point of views, you look at seller point of view and i look at the investors point of view who forms the majorities. There is nothing right or wrong.
____________________________________________________________


Q2:having read this thread, i have a few questions to ask.
1. What exactly is the function of UT distribution?If it wont benefit investors, why distribute the fund then?
2. If I intend to save for my retirement like EPF using DCA, which fund should i go to in PM?bond?money market?
3. What are the difference between fund focusing on capital growth, fixed income/divident or anti-inflation?seems all same to me as they all focused on value appreciation. Is it only the risk and gain things different

ANS1:I'm no expert at the subject matter but i'll do my best to answer yr questions:

1) there's 2 types of return in UT investment namely, capital growth and distribution. hence, to answer yr question UT distribution is actually a form of ROI. Sometimes, it's the fund manager playing with investor's psychology in distributing the profit from the fund because many unitholders (unfortunately) still associates a fund performance solely base on its distribution.

2) First of all, you need to ask yrself, "what's your retirement number?" once you've got it then a portfolio of UT investments can be constructed based on yr risk appetite and investment time horizon to meet that goal. Hence, the question of which fund to save in will arrive to what are your needs in the first place.

3) IMHO, all investments are focused value appreciation. The terms used above are different types of capital appreciation that would be experienced by the investors. Below are the terms explained to the best of my knowledge:

Capital growth - increase in the value of the units over time. these type of funds usually do not give distributions. eg: PCSF price per unit is at 0.25 sen on 2009 compared with 0.15 in 2008

Fixed income - usually money market and bond funds as these financial products aim to pay a certain amount of interest on the capital every year. their focus is to give distribution every financial year to the investors and not price movement i.e capital growth.

Dividend or distribution - focused on giving distribution every financial year to the investors. how is it different from fixed income u might ask. well, the answer's simple, the term dividend/distribution tells you that the source of that income is not from bond or money market but it's from stocks listed that have a good track record of paying out dividends. hence, it's even more risk to the investor compared to a fixed income fund as the dividend is not given in fixed amount every year.

I hope the above explanation helps a little.

Q2:It didn't help a little, it actually helped me a lot! Thanks ya for your lengthy explanation. Unfortunately, more questions follow
1. If distribution is also a form of ROI, why some investors prefer not to have it?Does that means ROI in term of capital growth will be better?
2. Let say I need a retirement UT investment for 30 years with DCA, which type of funds should be considered?bond?money market?
3. I'm still at a loss on calculating the profits for UT investments. If let say I invest RM1k and the end of 3 years the NAV is RM2k, how should I calculate my gains after considering those initial and management fees?including tax?

The more I read, the more things I didn't know.

Ans:I'm glad the explanation above helped. It's a good habit to always ask and have some information regarding any investment instruments that you would like to invest in. However, do take care not to suffer from a syndrome known as information overload And now to answer your questions:

1) Distribution increases the number of units in the fund and is reinvested at zero charge. Fund managers encourage it to capitalize on the compounding effects over time. for
eg: Mr A has two funds, 1000 unit of Fund A and 1000 units of Fund B. Fund A's distribution is reinvested every year while Fund B is payout.
if distribution is RM1/unit for both funds
Fund A- 1000 units + 100 units from distribution=1100 units
Fund B- 1000 units + distribution payout =1000 units

2nd financial year, assuming distribution is the same and price per unit is RM0.50, we get
Fund A- 1100 units + 100 units from distribution=1200 units (RM600)
Fund B- 1000 units + payout =1000 units (RM500)

The difference in that amount may be small but over long terms like 30 years the difference is very significant due to compounding effect. However, this doesn't mean any form of ROI is better than the other. It really boils down to the investor if they feel more comfortable with distributions or capital growth as long as they meet their investment objectives.

2) A consultant has responsibility to do a retirement planning for you to help you reach the amount desired after 30 years. A half-yearly or yearly review of yr retirement blueprint is highly recommended. Normally the UT portfolio will comprise of a mix of fund types to help u achieve a certain % on yr ROI to help u reach yr financial goal.

3) The fund manager will send a statement after the distribution showing you the net payable after deducting all the relevant expenses like income tax and management fees. Alternatively, u can contact yr agent to know the ROI of yr fund.

That is all for today lesson on investing on Public Mutual Fund.haha.
perhaps i might even consider to make some investment in future if my experiences are well enough.=)
I just come across this useful site as well. 11477-inside.blogspot.com/2008/05/new-job.html
It introuduce you basically all things about Public Mutual Fund( Unit Amanah Saham).
Enjoy reading.=)

Finanicial Planning

Well, i found a very good advices and preaching from senior member from Lowyat forum.
i guess he is the super senior of us, and have been preaching for several decades.=)
Good advices are meant to take in, so why not we just listen to his good advices on financial planning ? I have compiled the questions and answers below, Enjoy and learn something there=)

Debt trap.

Normally, the 3 largest purchases in a person's life are

1) College education

2) House

3) Car

And, in spite of what everyone says, unless you have rich parents, you CANNOT afford to buy all 3 at the same time. If you do and most of your incomes are used to service the payment, you are taking a huge risk. If you lost your jobs for a few months, you could ends up in a debt trap. You pays every month but your debt is increasing.

In Malaysia, in general, we have variable interest rate for housing loan. And, negative amortization is not illegal. So, if the interest rate went up, you have to pay more per month or make more payments. There is a possibility of you may never pay off your house.

DO NOT TAKE A 9 YEARS CAR LOAN. Do you understand that car loan interest rate is calculated differently than housing loan?? Do you know how much interest are you paying to the bank.

The longer that you can hold off buying one of those 3 or shop around for a cheaper alternative, you will spend a lot less money on interest to the bank.

Unfortunately, it may be too late for a lot of forumer. I am sorry to say that I will be making money off you by collecting dividend from my bank's share. For some of you, you maybe spending most and if not all of your working life paying interest to the bank.

Really insightful, isn't it?
For more info, refer to :http://forum.lowyat.net/topic/326577/+40

things i have learnt at TARC.(part time)

During the 1 whole month( 24NOV to 24 DEC)working as a temporary assistant at the student affair dept at TARC has given me the right experiences to prepare me for the real life working society.

i learn a little skills, not much more than using a Photostatting machine to Photostat papers, arranging papers, receive calls from other staffs, people from other company calling in for posting the vacancy to TARC, lecturers of TARC to ask for enquiries etc.
besides that, my works scope extends beyond Photostatting and paper works like typing, sometimes i got to do pass some documents help other staffs from other dept like estate dept to arrange tables and chairs for exam purposes and so on.

well within the 1 whole month that i have worked there, a string of activities are being held, these include TARC investment games, election for Student Welfare Society(SWC), TARC open days. Not only that Yee Weng and i have to help Miss Ng to prepare for the stuffs like banners, prospectus books,calenders etc to bring along to edu fair exhibition which is being ran at Jit SIn, Traders Hotel, Alor Setar for the whole weeks.

through all these activities and preparations, i have not only learnt how to prepare for these stuffs , but i do also learn how to deal with people nicely. A simple wish of Good morning and Hello, Mr or Miss would makes a day for all of us, esp the person being greeted.=)
As there are plenty of lecturers coming in and out for Photostatting and printing purposes, i always greet them and they too have in return greeted me too.
thus, if you first be nice with people , people will always be nice to you too.=)
As u guys know, we as a juniors should always take the initiatives to greet those senior first, smile to them and show your friendliness towards them. and i believe most of them would be good to you as well, and the friendly, happy relationships are created , eventually lead to a long lasting sustainability of a nice atmosphere at work place.=)

Not only that, i have met a very nice people too. yee Weng and Ah Goon in particular. you guys are real nice. thanks for the support and guidances provided during my tenure there. haha..=)

All in all,Bravo TARC!=)

MLM

Well, to make things clearer, i would like to point out some of the Multilevel marketing company like Amway,Cosway,Lampe Berger ,etc.

Anywhere, time will tell everything.
Bad business will be advertised in the local news.
Good business won't but usually circling through the people word of mouth.

I am glad to point out a few important points about direct sales. As MLM is just a business model.
People greediness and want to get rich quicker that kill.



I hope the following points are to be taken into consideration before anyone decide to join a business.

Just be remembered:
1.Don't Come out with your money in advanced in dealing with a recruitment business.
2.What benefits you gain from buying a single product? E.g.Does it caters on your need? Are you able to try the product?
Does it comes with 100% money back guaranteed?
3.Don't ever join a business that needs you to keep stock just to achieve a quota.
4.Avoid a system that accumulate your investment.Like,the more you invest(come out money),the more you earn.
More crazy,this is done on a piece of paper.

Let's say a top upline just wants to hit a monthly quota to get qualified profit sharing. He/she will try everything to order stock to meet the requirement. What will happen? They will definitely pile up stock in their house for months or years. How are they going to do with their excessive stocks?

They might slash their price for clearing all the stock in their house. Hence,would you still want to join such company as a new comer? As new comer, how are you going to sell a product with the price you are not afford to sell? What are the consequences from there on...you guess it?

Today, even Amway used pyramid methods to ask people to join, no more selling item by item. this kind of strategic is not really applicable to today society as you will definetely piss other people off.

1.What if such company is recognised by Malaysia government? E.g. Selling Educational systems?
2.What if our government rented land for seed oil plantation? Such company will find referrals to make money.
E.g to start with, you need Rm6k to plant 1000kg of seed oil, this seed oil will then export to other country for Rm1.20 per kg. I am not sure about the costs.But,it seems that the more you invest, the more income you get.You will make income every 4 months, according to them.


The answer is very simple, this is because not every countries government is 100% practice on excellent and perfect in ethics value.
For example in a country, even human bombing case can be close so easily and even many corruption government related to some companies case happen.



Why not government legalize such business if the top person or company operator provide something so called "present" or benefits to top government related VIP? Once again govenment is just a politic parties who rule the country, they are not a programmed robot machine that can 99.9% ensure rules and regulations being followed.
Heres a question again: what if some scratch and win companies still exit in malaysia? For me it wont be suprise.

If talk about investment, why invest in such company that required earn money by just sell their product that is 300 times and above markup price and had a very low consumers' demand?
I agreed about "high risk will lead you to get high return" but in mlm company who is the top earner?, obviously the person who makes milion is the first network starter or the company itself made huge money not the mlm members. The mlm members just having small percentage part of it because you need to get 3 left and 3 right = 6 referrals only you get $200-300 USD, but the company already made 5.7k(6k-300) USD if let say the so called "product" price is 1000USD each.

But once again, some mlm company do use so called "invest" to required the signup person to buy certain value of products in order to join their business, but when you look closer and think out of the box you will see actually yourself just part of a salesperson who help the company gain more % on profits, yet you still need to pay them for "extending investment product plan".

So, why dont we just invest in a company that we have sufficient knowledge than instead of a company that we had less knowledge about it?
{even wallet buffert said that "invest your money only into a company that you had sufficient knowledge about it"}

Actually this is a very good website to make your own judgement here.
http://www.dsam.org.my/dsam/industry/what-is-direct-selling/

I found that although the company is under Direct Sales category, the system structure is none.
I don't see like this.=(

Manufacture(Direct Sales)>Consumer. That's it.

Legitimate Direct Selling Companies
Source:http://www.dsam.org.my/dsam/industry/what-is-pyramid-selling/

1. The start-up fee for all ethical multi-level selling companies is generally low, primarily to cover training materials, sales aids or demonstration kits.
2. Such companies sell a wide range of quality products to the general public. The bulk of the sales are on repeat sales form satisfied customers. This is only possible because these companies spend millions on research and development to develop quality products.
3. Many companies have a 100 percent money-back guarantee. Dissatisfied users (and there are relatively few) could exchange the products back for money or for an equivalent amount in other products.
4. These companies are interested in long-term business. In every country that they operate, this criterion is important because the companies have an obligation to their distributors who are small businessmen in their own rights.
5. Recognition of achievement is based on efforts. This means that a distributor’s income is commensurate with the efforts he/she puts into the business.
6. Established companies depend on selling to customers quality products which offer value for money in order to establish a market.
7. These companies build up networks of independent distributors to sell products.
8. They have strict Rules of Conduct which, among other things, forbids its distributors to load up on inventory.
9. Distributors sell products and or services.
10. Direct selling is a popular method of retailing which is recognised as a lawful and legitimate business in many countries including the U.S.

For 1.) Very low, yes.
For 2.) 60 days free trial, yes.
For 3.)We give 100% full refund even you are not happy.
For 4.) Not really. No need a distributor. Direct to consumer.
For 5.) No distributor.
For 6.) Yes, consumer decides the product in our company.
For 7.) Yes, that's right.
For 8.) No inventory to keep.
For 9.) No distributor. No selling.Consumer direct to the company.
For 10.) Absolutely yes.



So,
To evaluate a company before joining, here are my points consideration.

1) The company must be listed in US Inc.500 companies.
2) Must have received Blue Chip Enterprise Award from United States Chamber of Commerce.
3) Must Achieve "A" Profit rating and received award from Ernst & Young and CNN.
4) Must have participation from advanced countries.


This really make my day.
Cheers=)

My last day at TARC

Dear Blog:

Tomorrow would be my last working day at TARC. Being working at student affair dept for exactly one month(from 24th Nov to 24th Dec) has given me the right experiences of the way to handle paper works like photostating. i learn how to use cyclostyle photostate machines--and of course i get to know this kind of useful machine which can indeed help us especially the big corporation and company in increasing their productivity and efficiency.=)

Not only did i learn about the photostating skills, i also learn to improve on my interpersonal skills as well. While most of the lecturers will drop by to the Student Affair Dept to have their printing and photostating done,so i meet and get to know quite a lots of them there.The way to communicate with them effectively is very important to ensure the works go smoothly.But one thing i can reassure you is that

My Dept officers are Miss Ng, Miss Lee and Miss Irene. they are real nice and friendly.=)Another important and humerous figure is Yee Weng.he is a nice, friendly and honest guy. i really happy to be his collegue and work with him for the excatly one month. he must be very' keberatan' to have me working for the last day tommorow.
=D

Anyway,let me explain briefly what tasks i have done for the 1 whole month. As everyone else know, Student Affair Dept is the place for students with problematic attitudes, having personnal and academics problems, Lost and found stuffs ,PTPTN, society (student welfare society(SWC))refer to.
thus i have dealt with quite a lots of these stuffs. especially the lost and found stuffs. many of the students are really forgetful, they lost their things unaware for a week and only notice it and come by to SAD to report after a week. Worst still,the stuffs involved are real expensive stuffs like money,laptop,files and notes as well.

well, just looking forward to the last day of mine at TARC, as if it mean i have to start my new sem at UM next week.=p
i miss my friends, YEE weng, chin long, ah goon, etc..there. all the best, guys!=)
And of course the lecturers there as well. i salute for your great effort in nurturing the students there. though some of them really annoying and not have the passion and interest in studying, but i know you guys would not let them be by showing up your burning passion and fervently nurture them into good future leader.=)
cheers!

--AVATAR--

Well, just yesterday, i watched a very nice movie -Avatar!

It is very worth a watch ...takes the longest duration to end. about nearly 3 hours!

well, the story is like that :

Two alternate titles come to mind when watching Avatar, the modest little indie by way of James "King of the World" Cameron: How about Runs With Na'vis, or Flies With Banshees?

When his twin brother, a well-studied researcher, dies, paralyzed war vet Jake Sully (Sam Worthington) takes his place amongst a crew stationed on distant alien moon Pandora. It is here that he will participate in the Avatar program, wherein each person is able to mentally control the physical body of their assigned avatar, grown from a cocktail of human and alien DNA. In his new, ten-foot-tall, blue-skinned body, Jake can walk again, breathe outdoors, and is a dead-ringer for the primitive Na'vi tribe. Alongside head scientist Dr. Grace Augustine (Sigourney Weaver) and fellow comrade Norm Spellman (Joel David Moore), Jake is to study his surroundings and gather data on a valuable mineral within the moon's jungles. The more time he spends in his alternate body, however, the more Jake becomes attached to it, his feelings of connection only intensifying when he meets and falls in love with Neytiri (Zoe Saldana), a Na'vi. Just as the civilization has welcomed him as one of their own, trouble lurks in the form of Colonel Miles Quaritch (Stephen Lang), an environmentally-unconscious radical who has instructed his men to start tearing the forest (and its resources) to shreds. If not stopped, this could spell the end for not only the Na'vis, but every living creature on Pandora.





"Avatar" is positively dripping with ambition, but the film is like a gung-ho party guest who has arrived entirely too late and missed all the festivities. Despite having been worked on long before the animated "Battle for Terra" was even a pipe dream, "Avatar" has arrived after the fact. The similarities between the two are sizable, to say the least, right down to the preachily handled message that even Al Gore would deem overbearing. Heck, long before "Battle for Terra," there was 1992's "Ferngully: The Last Rainforest," which boiled down to the same elementary lessons. In its story of humans "driving" synthetic bodies in the real world, "Avatar" has been beaten again by 2009's "Gamer." And, in the long section where Jake explores his foreign surroundings of forests, cliffs and waterfalls and is chased around by a cavalcade of alien creatures, all that one is reminded of is how much more thrilling and involving it was in 2005's "King Kong."


As eye candy, "Avatar" has been created with much love and care. With the possible exception of the other animal creatures, conceptualized and designed in garish colors resembling a sick rainbow, the world of Pandora is immersive and mystical. Even more impressive are the virtually photo-realistic treatment of the Na'vi people. The stark, raw emotions of terror, anguish and sadness that read across their faces is the one effects element that stands as a step forward in the evolution of CGI-rendered beings. The rest, while looking good, fails to inspire much awe or suggest that history is being made. To this day, the groundbreaking work of 1991's "Terminator 2: Judgment Day" and 1993's "Jurassic Park" is more impressive.


Take away the snazzy technology and what is left? Precious little. From a writing and storytelling standpoint, "Avatar" is a considerable failure. The aforementioned plot strikes one as unoriginal. The characters—all of them, human and Na'vi—are underdeveloped, never reaching close to three dimensions and falling into "good" and "bad" types. The all-important love story between Jake and Neytiri lacks substance and charisma, not even a faint shadow of what James Cameron achieved between Leonardo DiCaprio and Kate Winslet in "Titanic." Spending most of their time running across trees branches and hopping around on logs, Jake and Neytiri share no more than a dozen or so lines of dialogue with each other and romantically connect for no other reason than because the script demands it. In other words, their bond is about as genuine as press-on nails.



There is one dramatically effective scene where a tree held in reverence by the Na'vi tribe is destroyed before their horrified eyes, countless lives of their people taken with it, but it is the exception in a movie that does not involve the viewer or successfully get the audience to feel anything. We do not properly get to know them and so no reason is provided for why we should care. Instead, from almost beginning to end, the film takes on a monotonously repetitive rhythm, the action boiling down to a lot of flying around in the air on the backs of creatures, shooting arrows, giant tractors bulldozing trees, and military helicopters firing ammo. Never is director Cameron able to elicit tension. By the chaotic, almost never-ending third act, it has become a bunch of empty, thrill-free spectacle resulting in nothing memorable to grasp hold of.


If the cinema is first and foremost about ratcheting up emotions within the viewer, then "Avatar" has not done its job. Sam Worthington (2009's "Terminator Salvation"), Sigourney Weaver (2008's "Baby Mama") and an especially striking Zoe Saldana (2009's "Star Trek") give it their all, but they are let down by James Cameron's negligible pen. Here, he has become so enraptured with his flights of computerized fancy that he has lost track of the film's very substance and soul. Without that, and without much in the way of novel imagination, all that is left are some pretty pictures and a well-meaning, if sanctimonious, advertisement for Greenpeace. Unfortunate though it is, "Avatar" isn't even worth a fraction of its built-in hype.


It is really a nice movie to watch! I spent the whole days watching it..dam touching besides enthralling!=)

clinical biochemistry video

well, i found this interesting video on: Clinical Biochemistry and Immunology at The Royal Sussex County Hospital NHS Trust



well provide this insight to u guys: =)

Biochemistry

Biochemistry is the study of how living organisms work. It lies at the interface of many disciplines, incorporating principles of chemistry, biology and physics. One of the most rapidly advancing areas within biochemistry is molecular biology. Biochemists are interested in the molecular changes which occur within organisms; the conversion of food to cellular components, the provision of energy to drive bodily processes, the chemical nature of genes and the way in which these specify and control biological processes. Biochemists study the nature of disease and undertake the design of drugs and production of vaccines and human hormones. One of the most stimulating and positive aspects of biochemistry is its increasing interaction with medicine. Biochemists study the molecular basis of diseases such as diabetes, cancer, cystic fibrosis and AIDS, and this enables definitive diagnosis and development of cures.



Your Future in Biochemistry

The rapidly expanding fields of molecular biology and biotechnology have resulted in great demand for biochemists. In fact, the number of job opportunities for those trained in modern biochemical techniques already far exceeds the supply. Before starting their careers, more than 50 percent of USP graduates go on to graduate school or to medical, dental, or other health professional schools.

According to the U.S. Department of Labor, median annual earnings of medical scientists were $57,196 in 2000.
Hands-on Learning at USP

Undergraduate research gives you the opportunity to explore one area of biochemistry in depth. Employers and graduate/professional schools recognize independent research as a very valuable learning experience.
Learn from the Best

You'll have access to a wide range of expertise from faculty members in the departments of Chemistry & Biochemistry and Biological Sciences who teach courses in the biochemistry program. You'll receive a solid foundation in the areas of physical and analytical biochemistry, enzymology, nucleic acid biochemistry, cell biology, microbiology, and genetics. Some of the experts you'll learn from include:

* Edward R. Birnbaum, Ph.D., inorganic chemistry, department chair. Dr. Birnbaum's research interests include bioinorganic chemistry, lanthanide spectroscopy, and calcium-binding peptides and proteins.
* Michael F. Bruist, Ph.D., biochemistry. Dr. Bruist's research interests include nucleic acid biochemistry, chemistry of DNA rearrangements, and DNA-protein interactions.
* Yumee K. Koo Ph.D., biochemistry. Dr. Koo's research interests include chemical education and protein interactions.
* Preston B. Moore, Ph.D., chemistry. Dr. Moore's research interests include molecular interactions within biological systems, computational chemistry, and molecular dynamics simulations as applied to biological membranes.
* Guillermo Moyna, Ph.D., organic chemistry. Dr. Moyna's research interests include biomolecular NMR spectroscopy, computational chemistry, and computer-assisted rational drug design.
* Julian W. Snow, Ph.D., physical chemistry. Dr. Snow's research interests include structure of serum apolipoproteins, serum apolipoprotein-lipid interactions, and thermodynamics of amphiphile-membrane interactions.
* C. Reynold Verret, Ph.D., biochemistry, Dean of Misher College of Arts and Sciences. Dr. Verret's research interests include cell-mediated cell cytotoxicity, biosensors, and peptide-based vaccines.
* Randy J. Zauhar, Ph.D., molecular and cell biology. Dr. Zauhar's research interests include computational chemistry, bioinformatics, and computer-aided drug design.

The USP Biochemistry Curriculum

In your first two years, you'll take foundation courses in biology, chemistry, physics, and mathematics. You'll also build a solid understanding of your field by taking courses in the five major areas of chemistry-analytical, inorganic, organic, and physical chemistry, as well as biochemistry. Laboratory courses, which typically accompany lecture courses, will help you develop the skills and techniques needed in the five major areas. You'll also be encouraged to conduct one or more undergraduate research projects.

In your third and fourth years, you'll take extensive work in physical and analytical chemistry, molecular and cell biology, and genetics. You will also select specialty electives to strengthen a particular area of interest. These may include biochemistry, bioinformatics, genetics, cell biology, microbiology, virology, or courses such as instrumental analysis that provide the skills needed to utilize sophisticated instrumentation to investigate complex biological phenomena.

Computer technology is incorporated throughout the curriculum, starting with Principles of Chemistry I, your first course in chemistry. Most of the computer knowledge you gain will be as a result of integrating computer applications into many of the lecture and laboratory courses.

The biochemistry major is also excellent preparation for our pre-med track, which includes the basic courses required for admission to medical school, normally completed in the first two years of the program. Most pre-med students major in biochemistry, biology, chemistry, microbiology, or pharmacology and toxicology.

Graduates in Biochemistry are readily accepted into a wide range of courses. Some continue with research and obtain a PhD degree. Others will enter professional coursework programs such as the medical program, business courses or teacher training programs.

Jokes =D

I would like to ahre with you guys about these jokes:
have fun and enjoy!=D

1st thief: Oh! The police is here. Quick! Jump out of the window.
2nd thief: But this is the 13th floor.
1st thief: hurry! This is no time for superstitions.


Girl: Do you love me?
Boy: Yes Dear.
Girl: Would you die for me?
Boy: No, mine is undying love.


Father: Your teacher says she finds it impossible to teach you anything!
Son: That's why I say she's no good!


Teacher: Where were you born?
Student: Singapore, Sir.
Teacher: Which part?
Student: All of me, Sir.


Patient: How much to have this tooth pulled?
Dentist: $90.
Patient: $90 for just a few minutes work?
Dentist: I can extract it very slowly if you like.


Teacher: What is 5 plus 4?
Student: 9
Teacher: What is 4 plus 5?
Student: Are you trying to fool me, you've just twisted the figure, the answer is 6!!
__________________

January to december
sunday to saturday
Am to Pm
My feelings for u have never changed.......
u....
R....
always....

a HEADACHE to me !!!!

********************************

When u feel lonely and alone & cannot see any one around you,
the world seems to be fading away,
come along with me
i'll take u an eye specialist !!

********************************

Just close ur eyes and think of urself for 10 seconds......
Open ur eyes !
Now you will realize that u have wasted 10 sec in thinking of a
fool............

********************************

I wrote ur name on the sands.............
it got washed away,
I wrote ur name in air..........................
it got blown away,
So i wrote ur name in my heart.............
i got a HEART ATTACK

********************************

LOVE is like a CIGAR
It starts with a fire..... continues with smoke.....and ends in ashes...
But dont worry - we are chain smokers

********************************

ur smile can be compared to a flower
ur voice can be compared to a cuckoo
ur innocence to a child
but in stupidity
u have no comparison
u r the best

********************************

True love is like a pillow
u can hug when u r in trouble
u can cry on when u r in pain & u can embrace when u r happy
so when u need true love
spend RM50/-Buy a pillow

********************************

Dear Friend,
when i ask u flower,
u give me bouquet
when i ask u a stone
u give me a statue
when i ask u a feather
u give me peacock

ARE U REALLY DEAF ?

********************************

when i call u;
1 ring means i'm thinking of u;
2 ring means i like u;
3 means i miss u;
4 means .........pick d phone idiot

********************************

The human brain is most outstanding thing.......
it functions 24hrs 365 days.....
it functions right from the time u r Born....until you fall in love

********************************

SMILE - is a language of love
SMILE - is a source to win hearts...
SMILE - creates greatness in ur personality
SO....
Brush ur Teeth today onwards




===========================================================

First Semester result out!

Code Course Title Grade
1 SCEP1252 KIMIA ASAS I A-
2 SHES1201 BIOLOGI SEL B+
3 SHES1203 BIOLOGI POPULASI A
4 SHES1270 AMALI BIOLOGI A-
5 SXEX1400 SEJARAH & FALSAFAH SAINS A

yes, and i have gotten my result today by checking online.
overally, i am still satisfied with it.
But i am just curious to wonder about the way to count CGPA. Still wondering~~

I am too shocked to know that my biology cell got B+, i thought i have done enough revision for that. haiz!

well, i am looking forward to have my result improve by the next semester. Bravo!
=)