Sunday, June 28, 2009
Peace of Mind
The only thing I have in mind right now, I need to have a sanctuary, not only spiritually. Really need to clear off my mind, and keep moving on.
Thursday, May 14, 2009
Just Ask
Heard of a Chinese proverb: "A person who ask will be only a fool for five minutes, a person who does not ask will be a fool forever". How true is it this statement, but how ironically, most of the time we don't ask because we are afraid on how people may look at us.
I'm not sure whether are there "stupid questions", because in the English proverbs, here it goes again : "There are no stupid questions".
Well, the new generations nowadays because we have gone through a revolution of technology and instant news, are available changes the way of how we think.
Another thing, asking is just not only asking, in spiritual terms, that is "claiming" something, the answer, object, that is foresee to be yours. Ask, seek, knock, how interesting.
Just remember to ask if you're not sure until you get the confirmation and the validity of the answer.
I'm not sure whether are there "stupid questions", because in the English proverbs, here it goes again : "There are no stupid questions".
Well, the new generations nowadays because we have gone through a revolution of technology and instant news, are available changes the way of how we think.
Another thing, asking is just not only asking, in spiritual terms, that is "claiming" something, the answer, object, that is foresee to be yours. Ask, seek, knock, how interesting.
Just remember to ask if you're not sure until you get the confirmation and the validity of the answer.
Saturday, April 25, 2009
Zhuge Liang's Wisdom
Zhuge Liang's "The Way of the General"
The following are some quotes from of Zhuge Liang's book The Way of the General:
"To overcome the intelligent by folly is contrary to the natural order of things; to overcome the foolish by intelligence is in accord with the natural order. To overcome the intelligent by intelligence, however, is a matter of opportunity. There are three avenues of opportunity: events, trends, and conditions. When opportunities occur through events but you are unable to respond, you are not smart. When opportunities become active through a trend and yet you cannot make plans, you are not wise. When opportunities emerge through conditions but you cannot act on them, you are not bold. Those skilled in generalship always achieve their victories by taking advantage of opportunities."
"... an enlightened ruler does not worry about people not knowing him; he worries about not knowing people. He worries not about outsiders not knowing insiders, but about insiders not knowing outsiders. He worries not about subordinates not knowing superiors, but about superiors not knowing subordinates. He worries not about the lower classes not knowing the upper classes, but about the upper classes not knowing the lower classes."
"Those who are skilled in combat do not become angered; those who are skilled at winning do not become afraid. Thus the wise win before they fight, while the ignorant fight to win."
- http://jadedragon.com/history/liang8.html
The following are some quotes from of Zhuge Liang's book The Way of the General:
"To overcome the intelligent by folly is contrary to the natural order of things; to overcome the foolish by intelligence is in accord with the natural order. To overcome the intelligent by intelligence, however, is a matter of opportunity. There are three avenues of opportunity: events, trends, and conditions. When opportunities occur through events but you are unable to respond, you are not smart. When opportunities become active through a trend and yet you cannot make plans, you are not wise. When opportunities emerge through conditions but you cannot act on them, you are not bold. Those skilled in generalship always achieve their victories by taking advantage of opportunities."
"... an enlightened ruler does not worry about people not knowing him; he worries about not knowing people. He worries not about outsiders not knowing insiders, but about insiders not knowing outsiders. He worries not about subordinates not knowing superiors, but about superiors not knowing subordinates. He worries not about the lower classes not knowing the upper classes, but about the upper classes not knowing the lower classes."
"Those who are skilled in combat do not become angered; those who are skilled at winning do not become afraid. Thus the wise win before they fight, while the ignorant fight to win."
- http://jadedragon.com/history/liang8.html
Tuesday, April 21, 2009
Fastfood Mentality
Fastfood outlets keep on expanding their franchises around the globe. Galloping the world with the fastfood world where it's convenient, fast, tasty and tantalizing the taste buds. When people come to discuss about the side-effect of fastfood, the first thing in mind will be always health(Physical). But now I would like to talk about the mentality health of the people around us. As the new era booms of instant result of everything, what man has lost their personal trait, is patience and the right timing. Of course, we're not talking about procrastinating or discipline, but the inner trait of a person tested by the fire of surroundings.
Life may be fast, but actual result don't come in an instant. Discipline is a must, but the waiting part is always the most difficult thing for everyone including me. Life is never easy.
Today I went to fix my car, thank God the gear box did not malfunction, and spend a little expense on my "Herbie" (remember the faithful classic Volkwagon which has a heart of it's own?), where my bill something is written like "Dranie shelt"??? Couldn't find any result on the google, well just for your info, it's something that connect to the tyre connector which enables the car to move. If this thing is out of connection, your car can't move at all.
The bailout of the economic system is also one of the result of fastfood mentality. The next depression will be deeper and will need more huge sum to cover such enormous big deep hole.
Life may be fast, but actual result don't come in an instant. Discipline is a must, but the waiting part is always the most difficult thing for everyone including me. Life is never easy.
Today I went to fix my car, thank God the gear box did not malfunction, and spend a little expense on my "Herbie" (remember the faithful classic Volkwagon which has a heart of it's own?), where my bill something is written like "Dranie shelt"??? Couldn't find any result on the google, well just for your info, it's something that connect to the tyre connector which enables the car to move. If this thing is out of connection, your car can't move at all.
The bailout of the economic system is also one of the result of fastfood mentality. The next depression will be deeper and will need more huge sum to cover such enormous big deep hole.
Friday, March 20, 2009
Holistic Approach To Govern Finance
A lot of people has misconception about money. "For the love of money is a root of all kinds of evil. Some people, eager for money, have wandered from the faith and pierced themselves with many griefs." - (1 Timothy 6:10) What exactly stated here is not money is evil, is the greed and love inside the human heart that caused the downfall, and become slave to money. Money is actually neutral, which comes with the "buying power" value.
I once tell a friend, don't let money master you, but you master the money as your slaves. "If you do what is right, will you not be accepted? But if you do not do what is right, sin is crouching at your door; it desires to have you, but you must master it." - (Genesis 4:7). Therefore everyone have to face temptations, whether you lose or win the battle.
In this life, we work for earnings and money, but how wise are we in using the money? If you're smart, then how come you're not rich? Are you smart then? This sounds interesting, but everything has to be taken account: resources, skills, realistic plannings and backup, and man-power.
Transparency is the problem in this world nowadays regarding to finance. Where it flows to, and where it goes to?
The most important question regarding to money: How much do you think is enough for you the wealth that you gain? Think about it.
And the most important point here: "What do you want to do with the money?"
(^_^)
I once tell a friend, don't let money master you, but you master the money as your slaves. "If you do what is right, will you not be accepted? But if you do not do what is right, sin is crouching at your door; it desires to have you, but you must master it." - (Genesis 4:7). Therefore everyone have to face temptations, whether you lose or win the battle.
In this life, we work for earnings and money, but how wise are we in using the money? If you're smart, then how come you're not rich? Are you smart then? This sounds interesting, but everything has to be taken account: resources, skills, realistic plannings and backup, and man-power.
Transparency is the problem in this world nowadays regarding to finance. Where it flows to, and where it goes to?
The most important question regarding to money: How much do you think is enough for you the wealth that you gain? Think about it.
And the most important point here: "What do you want to do with the money?"
(^_^)
Tuesday, February 10, 2009
Democracy is not always the best solution.
Before I start this article, I will first mentioned something about my previous post regarding to the gold investment. So sad, I did not open the gold account successfully because of my erratic IC. The IC reader can't read my fingerprint. (First generation MyKad). Opportunities don't always knock.
Democracy is a good thing, but it can turn out bad too if the leader who are entrusted the rights and authority given by the public. Therefore, it is not the matter of which political party the individual is in, but the matter of one personal agenda for them to be in the party. There are always pros and cons for everything.
This is only my point of view, anyone can voice out their opinion about this. Our rights.
Democracy is a good thing, but it can turn out bad too if the leader who are entrusted the rights and authority given by the public. Therefore, it is not the matter of which political party the individual is in, but the matter of one personal agenda for them to be in the party. There are always pros and cons for everything.
This is only my point of view, anyone can voice out their opinion about this. Our rights.
Thursday, February 5, 2009
Step(s) Taken
I may not be a step ahead of some of the investor starter. But the steps will be taken soon enough today. (Gold).
Oh ya, by the way, let's embrace and prepared the tough times. -> Ready for a dose of reality?
The worse is still yet to come. Penang transparency government has paid off, announcing the retrenchment numbers. We need more transparency.
Perak government has collapse, and the proper way to solve it is through snap poll, not changing the MB. Frogs that jump just because of flies.
This is the real time to invest.
Oh ya, by the way, let's embrace and prepared the tough times. -> Ready for a dose of reality?
The worse is still yet to come. Penang transparency government has paid off, announcing the retrenchment numbers. We need more transparency.
Perak government has collapse, and the proper way to solve it is through snap poll, not changing the MB. Frogs that jump just because of flies.
This is the real time to invest.
Wednesday, January 21, 2009
Monday, January 19, 2009
The Importance of Creating Emergency Fund
The U.S. economy has proven so much that consumption is not the best way to solve the economic problems but more to catastrophes if the consumers do not regulate their spending behavior. The right thing to do is not to be extremely thrift or spend extravagantly, but to buy a certain product at a appropriate price and return with additional value, that gave a return*, and which is also needed.
Is emergency fund indispensable to every individuals? Yes or no? A lot of people says, the money we earn is to be spent, some people say it the other way around. A clear perspective is this: What do you want to do with such a amount of fund? No matter how, the emergency fund is to be used up when the stormy days arrive. No doubt we can't avoid inflation, but with our creativity, possibility to avoid inflation is possible.
**Important factor: Everyone needs it.
Is emergency fund indispensable to every individuals? Yes or no? A lot of people says, the money we earn is to be spent, some people say it the other way around. A clear perspective is this: What do you want to do with such a amount of fund? No matter how, the emergency fund is to be used up when the stormy days arrive. No doubt we can't avoid inflation, but with our creativity, possibility to avoid inflation is possible.
**Important factor: Everyone needs it.
Friday, January 2, 2009
Debts. Are there Good Debts and Bad Debts?
Electronics, E&E, and manufacturing sector will be the hardest hit during the recession for the 1st Quarter of 2009 due to low demand. A lot of countries are running into debts. Economists predict more retrenchment after Chinese New Year in Malaysia. I held no responsibility by posting this, yet this is all what I read and view through my personal observation lately. Yes, again, no doubt about it. This recession may not only be in 1st quarter only.
Western Digital has shut one of its branches down in Kuching, and 1,500 of its workers has been retrenched. We're all expecting the worse from every source of news we're reading everyday. Negativity in every section of the news. Headlines of bad debts and closure of large companies. However, let's don't get distract by these. Every ending, also comes with a new beginning. Every beginning also has its ending.
Expect it to last a period longer this time the recession thing that keeps bugging us. It may takes more than 5 years to be stabilized.
Let's talk about debts. The main topic I really want us to emphasize. Are there bad debts and good debts? For me, debts remain debts, the most important thing is to able to pay back and increase self productivity. Every businesses in this world mostly started with business debts that were approved from bank loans or other financial sources. The more debts we got into, our economy (personal and others) will be in hot water. Just imagine for credit card debts. One month you didn't manage to settle it, then interest is charged to the balance debt and carry forward to the next month, another debts come in, you got your salary, but you're unable to juggle the credits. Finally, you have to sell of your possessions. Isn't that obvious? It's just like accounting, credit and debit your assets and liabilities. Just don't get your assets minuses the "ets". Therefore I would prefer to have debit card.
The market in the world today is experiencing such crisis where there is no return in debts. The lender of the money can't get their money back. Of course in such case, it shows the biggest loser and victim of all is the lender. And the borrower, will borrow even more. Shouldn't there be any requirement and regulations, where certain authority can be passed to the lender, to monitor the productivity of the borrower(s)' business? Which means, the lender can be the investor at the same time. Of course, politics will be involved in such a matter.
One of the ways big companies to avoid debts is to retrench its workers. Therefore their market stock value will hike at the same time, then they can reduce their debts. Obvious isn't it? (That's they way, ah ha ah ha, they like it.). The best solution for company to survive when they can't any win-win solution(s).
From my personal form of view, it is best never to be in negative value in your savings, but keep track of it to be positive at the same time, increase productivity of the savings. Whoever are in debts, think twice before you spend. Never ever let your personal finance in negative state, even if you are, clear it fast.
There are no key to be free from financial problem but there is a way to train ourselves to be discipline in our character.
Let's think out of the box and work it out. God bless.
Western Digital has shut one of its branches down in Kuching, and 1,500 of its workers has been retrenched. We're all expecting the worse from every source of news we're reading everyday. Negativity in every section of the news. Headlines of bad debts and closure of large companies. However, let's don't get distract by these. Every ending, also comes with a new beginning. Every beginning also has its ending.
Expect it to last a period longer this time the recession thing that keeps bugging us. It may takes more than 5 years to be stabilized.
Let's talk about debts. The main topic I really want us to emphasize. Are there bad debts and good debts? For me, debts remain debts, the most important thing is to able to pay back and increase self productivity. Every businesses in this world mostly started with business debts that were approved from bank loans or other financial sources. The more debts we got into, our economy (personal and others) will be in hot water. Just imagine for credit card debts. One month you didn't manage to settle it, then interest is charged to the balance debt and carry forward to the next month, another debts come in, you got your salary, but you're unable to juggle the credits. Finally, you have to sell of your possessions. Isn't that obvious? It's just like accounting, credit and debit your assets and liabilities. Just don't get your assets minuses the "ets". Therefore I would prefer to have debit card.
The market in the world today is experiencing such crisis where there is no return in debts. The lender of the money can't get their money back. Of course in such case, it shows the biggest loser and victim of all is the lender. And the borrower, will borrow even more. Shouldn't there be any requirement and regulations, where certain authority can be passed to the lender, to monitor the productivity of the borrower(s)' business? Which means, the lender can be the investor at the same time. Of course, politics will be involved in such a matter.
One of the ways big companies to avoid debts is to retrench its workers. Therefore their market stock value will hike at the same time, then they can reduce their debts. Obvious isn't it? (That's they way, ah ha ah ha, they like it.). The best solution for company to survive when they can't any win-win solution(s).
From my personal form of view, it is best never to be in negative value in your savings, but keep track of it to be positive at the same time, increase productivity of the savings. Whoever are in debts, think twice before you spend. Never ever let your personal finance in negative state, even if you are, clear it fast.
There are no key to be free from financial problem but there is a way to train ourselves to be discipline in our character.
Let's think out of the box and work it out. God bless.
Friday, December 19, 2008
Prediction of US Recession Ripple Effect 2009
It's only base on my bare observation. No hard feelings.
2009 Recession Predictions:
1. Another Gold rush will be on the moved, where it will rise around RM150 - RM200 per gram if US economy continue to slump.
2. Electronics demand will be very low, especially in the world.
3. The world may use another currency for exchange rather than using USD. (Probably RMB or Yen).
4. The new regulations (contract re-newing or cancellation) of OPEC contract regarding to crude oil. It's now currently below USD40 per barrel. Crude oil price contradicts with gold price at the moment. If inflation continue to arise, than gold will definitely rocketing.
5. Forced annual leave will continue in companies which are affected by the recent US recession.
6. This is the time where Non-US countries can import cheaper goods. (For countries).
7. Other portfolios like properties are a good buy during this moment for long term, since BLR has declined. If anyone wants to trade in Forex, it is best to be in other currency than USD.
What Malaysia needs to solve:
1. Seafood exports.
2. The usage of new graduates for 2009. Skills upgrade for retrench workers.
(Employment)
3. The openness and friendly investment scheme.
4. Local automotive sector.
5. The regulations and new rule for public company to be privatized.
6. I would like to suggest, create a free school of economics open for all races and education background, especially the drop outs, because they have guts to fail.
7. Continuation of using B.Malaysia as "bahasa pengantara", main language, and the freedom on learning different languages, to construct and understand the importance of having the freedom on learning different languages. It is relevant for Malaysia to grow to a new heights, especially in English(wide communication, science and technology updates and knowlegde), Chinese(exports and businesses), Arab( emerging market in Central Asia) and also B.Malaysia(to be introduced around South East Asia, since we have a language advantage).
8. Regulating the chemical raw material imports and exports to prevent cosmetic fraud which happened lately.
9. Ok, whatever you want our country to improves. Demi Wawasan 2020 (It's getting nearer).
2009 Recession Predictions:
1. Another Gold rush will be on the moved, where it will rise around RM150 - RM200 per gram if US economy continue to slump.
2. Electronics demand will be very low, especially in the world.
3. The world may use another currency for exchange rather than using USD. (Probably RMB or Yen).
4. The new regulations (contract re-newing or cancellation) of OPEC contract regarding to crude oil. It's now currently below USD40 per barrel. Crude oil price contradicts with gold price at the moment. If inflation continue to arise, than gold will definitely rocketing.
5. Forced annual leave will continue in companies which are affected by the recent US recession.
6. This is the time where Non-US countries can import cheaper goods. (For countries).
7. Other portfolios like properties are a good buy during this moment for long term, since BLR has declined. If anyone wants to trade in Forex, it is best to be in other currency than USD.
What Malaysia needs to solve:
1. Seafood exports.
2. The usage of new graduates for 2009. Skills upgrade for retrench workers.
(Employment)
3. The openness and friendly investment scheme.
4. Local automotive sector.
5. The regulations and new rule for public company to be privatized.
6. I would like to suggest, create a free school of economics open for all races and education background, especially the drop outs, because they have guts to fail.
7. Continuation of using B.Malaysia as "bahasa pengantara", main language, and the freedom on learning different languages, to construct and understand the importance of having the freedom on learning different languages. It is relevant for Malaysia to grow to a new heights, especially in English(wide communication, science and technology updates and knowlegde), Chinese(exports and businesses), Arab( emerging market in Central Asia) and also B.Malaysia(to be introduced around South East Asia, since we have a language advantage).
8. Regulating the chemical raw material imports and exports to prevent cosmetic fraud which happened lately.
9. Ok, whatever you want our country to improves. Demi Wawasan 2020 (It's getting nearer).
Damaged Ecosystem in KL (Setapak)
Wonder why Setapak has so many case of dengues? I couldn't agree more regarding to the spraying of mass mosquitoes repellent at the residential area, as that is the only way where we can keep the pest in control. But, to the contrary, it didn't reduce the numbers of the mosquitoes, but the mosquitoes keep on breeding and grow in numbers. Cleanliness is one essential aspect which should be emphasized, but somehow we have indirectly give a short term impression on controlling it by too much chemistry to the ecosystems.
Ever wonder why KL has less "dragonflies" , "spiders" and other beneficial predatory insects (spiders aren't insects, I know, they are arachnids). The cause of allowing the insect repellent mist to spread not only cause unease in breathing, and it affected our health too in long term. I'm not here to judge or discriminate the usage of the repellent, but I'm just concerned about the usage. It kills these insects, where you can hardly find one, especially dragonflies.
For more information, dragonflies diets are mosquitoes, flies and etc, and yet it is harmless to human being. There should be a way to breed these dragonflies and be released in KL to re-balance the KL ecosystem and the health status of the KL residents. Any suggestions? I know one feedback is that dragonflies need to bred in water, so do mosquitoes~! I HATE MOSQUITOES~!
Ever wonder why KL has less "dragonflies" , "spiders" and other beneficial predatory insects (spiders aren't insects, I know, they are arachnids). The cause of allowing the insect repellent mist to spread not only cause unease in breathing, and it affected our health too in long term. I'm not here to judge or discriminate the usage of the repellent, but I'm just concerned about the usage. It kills these insects, where you can hardly find one, especially dragonflies.
For more information, dragonflies diets are mosquitoes, flies and etc, and yet it is harmless to human being. There should be a way to breed these dragonflies and be released in KL to re-balance the KL ecosystem and the health status of the KL residents. Any suggestions? I know one feedback is that dragonflies need to bred in water, so do mosquitoes~! I HATE MOSQUITOES~!
Friday, December 12, 2008
Who is Peter Schiff?
Peter Schiff and his predictions. Everyone hates him with his negative views during 2006. Now look who's walking tall?
His predictions in 2006:
Another video(s):
Who can be the Malaysian "Peter Schiff"?
His predictions in 2006:
Another video(s):
Who can be the Malaysian "Peter Schiff"?
Tuesday, December 9, 2008
Economics and Ergonomics Review II
Two years before, Peter Schiff has predicted that the US will slumped deep into recession. And yet today, it has been become reality. What summarize his predictions?
What I have been reviewing his predictions on two years, that he predicted everything almost accurately. Amazing, and yet the people of US were skeptical regarding to his view even the economist. We Malaysians have to learn from the economic view point of free market, however, I do not know whether we should thank God for our country is not a free market or we should not. He sticks economic basics and that is the more LOAN the people lend, the more INTEREST rate the lenders received, at the same time INFLATION arise, and U.S is the highest borrower in the world today.
Market bubble? What is it about? A simple theory goes as this:
1st Occasion:
Rich guys -> spending power, bought an asset(stocks, bond, etc...) , generating phony
revenue, and people follows. When the rich guys take their hands off, the
stocks plummet.
2nd Occasion:
False Accounts -> You guys understand what this means.
3rd Occasion:
Inflation: -> Forex
-> Free flow of currency in currency exchange
-> Loan
-> Import and Export
-> High productivity, low demand
etc etc etc.
Don't take what I said. It's just an observation on what I see lately. Spend wisely.
What I have been reviewing his predictions on two years, that he predicted everything almost accurately. Amazing, and yet the people of US were skeptical regarding to his view even the economist. We Malaysians have to learn from the economic view point of free market, however, I do not know whether we should thank God for our country is not a free market or we should not. He sticks economic basics and that is the more LOAN the people lend, the more INTEREST rate the lenders received, at the same time INFLATION arise, and U.S is the highest borrower in the world today.
Market bubble? What is it about? A simple theory goes as this:
1st Occasion:
Rich guys -> spending power, bought an asset(stocks, bond, etc...) , generating phony
revenue, and people follows. When the rich guys take their hands off, the
stocks plummet.
2nd Occasion:
False Accounts -> You guys understand what this means.
3rd Occasion:
Inflation: -> Forex
-> Free flow of currency in currency exchange
-> Loan
-> Import and Export
-> High productivity, low demand
etc etc etc.
Don't take what I said. It's just an observation on what I see lately. Spend wisely.
Monday, December 8, 2008
Mis-Values
Did you ever come across where people always ask, "What qualification do you have?", "What are you working as?", or even "What car do you drive?", and when you give a simple answer, they may just sneer you or gaze you with amazement of indirect sarcastic looking down on you? I bet everyone of us have a time where people tend to give us a bad look and impression on us on what we have.
As a Chinese in Malaysia, I have a very close friend(since childhood) that his parents always scold him for getting bad result in his studies, scolding every word that no one desires to heard about it. I thank God for my new generation parents that didn't give me that much pressure in my studies in one exceptions only, that is Mathematics (Chinese pride I guess). The wrong values the society implanted becoming a norm is that, whenever we face a failure, we are a total failure, and they don't dare to take challenges because of the norm of the wrongly injected perspective, that we become a failure. It's true, we must always be prepared as "Be prepared for failure", that's how success comes from. That is why the new generations dare not take the first step or allows criticsm to be part of their lives.
Prosperity always taught us about financial wealth especially in our daily lives. They look at what we have, our mobile phones, our cars, where we live and what do we do for our living. It'll give a wrong impact into our mind and desires if we don't understand the true meaning of prosperity. It means balance of everything.
No one can truely determine the real meaning of maturity. For me maturity means more than handling cases with careful discerning, it also means accept each other weaknesses just as other accepts our weaknesses. Caring for each other, and correct each other as they know you're in their heart. It's not an emotional satistification of people's heart. It's tough though people mistaken you, but look at the long run, they will see it one day.
There are a lot of wrongly injected perspective of ideology in our world today. We just need to more selflessness.
You may ask and discuss regarding the values you have, and we can discuss together what's the impact of it. Feel free to do so.
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