Me in 2012

2012 will be one of the most significant year of my life...
2012 will decide which road and where am i heading to...
This is the real junction of my life...

We must have a plan and targets...
to guide us and motivate us to move forward!

1st thing...
stay with my family and be with them when they need me...
i'm the eldest, i have to do it...
no matter how good you are or how much u earn every month...
without your family, its nothing...you're nothing...

2nd thing...
My finance target...
i missed 2011 target so much...
in 2012 i set myself to hit the 40k investment portfolio...
with a dividend income of 2.5k...
will set up the investment policy for myself soon...
besides that, i must make myself to generate more than RM4k per month if i'm kl and 3k if i'm in sabah!!

3rd thing...
Do at least 1 meaningful stuff or event in 2012...
at the moment, i'm planning for DEFYING GRAVITY PARTY 2012 which is a charity dance event...
it will help charity organizations to raise fund,
promote healthy lifestyle>>the right dancing culture,
to train youngsters to organize stuff...

4th...
READ 20 BOOKS!!!
there is a Chinese say: "book has golden house"
learn from the book and we can find peace in the book!!

5th...
i want to have my own biz...
thinking of a studio,event planning,tuition...
have to confirm where do i start my 3rd stage of life 1st...

6th...
KEEP FIT...
have been gaining so much fat and weight after i retired from dancing...
spare tyres...
65kg with at least 4 packs...

2012 will no be an easy and simple road for myself...
many uncertainties and many tough decisions to make...
God bless me that i will head to the right direction...

Executive Summary for 2011

2011 is my last student life cycle...
How did i perform so far??
let's see...

First of all,
i'm no longer single...
with a girl 3cm taller than me...
Not bad, she can be a very good mom...
can cook very well...

then,
some not really good one...
My Dad was diagnosed nose cancer few months before i fly to UK for my degree program...
Luckily,He managed to overcome all the treatments and getting better nowadays...
and i decided to work in sabah if got a good job in sabah so i can take care of my parents and also allow myself to save more money due to lower cost of living and entertainment in my hometown TAWAU.

So,i rejected CHARTIS insurance company job offer as underwriting exec with 2.6k start up pay and 6 months probation.
I like the job where it need me to do some analysis and also meet up agent,broker,clients(BOD,Big firm,Financial institutions).
This job requires me to do some presentation.
But it doesn't give employee benefit as good as bank but its good enough for a normal start up.

My study,
came back from UK with 1st class honor...
one of the good achievements of the year...
at the same time i went for CFA level 1 exam...
result will be out on 24 january 2012, please pray for me...

Finance part of mine...
this is the worst performance of the year...
Total portfolio recorded a small gain of 0.24% which equal to nothing!!
Main reason of the small gain is due to hiking expenditure includes UK expenses and CFA registration fee and exam fee.
Then, 2011 had the lower income ever for these 4 years...
Higher outflow with lower inflow caused low growth in 2011...

Equity portfolio posted disappointed result which is -2.96% due to over-divest when i'm traveling in Europe at the end of September.
Super low equity exposure forgone the return of the market rebound and missed the dividend target.
Total dividend received is only 900++ from equity portfolio which is 10% below the target...
Estimation of opportunity costs of that action are an equity return of +5% and total dividend of 1.6k...
I learned 1 more lesson, be confident on your selection and forget about the market movement!!!
I must practice that!

At last,
I didnt reach the book reading targets,
didnt read much book this year,maybe just around 10 books...

Blog writing is kinda low this year...

But i do have 1 more big achievement in 2011...
I organized UK trip and Europe trip for my course-mates..
8 cars for the UK-Scotland&land's end trip...
we used 9 days and we slept in the car most of the time...
but we do really learned and experienced alot!!!
MONEY CANT buy those memories and experience we got there...

next,
Europe trip which is the biggest backpack tour ever from TARC!!
we had 30 members in total...
traveled 9 Europe mainland's countries and 11 cities...
COOL...

Gonna plan more BIG stuff in 2012...
GOgogogogo...

ROCK THE 2012!!

Blog Title and address changed

Start from today it will change to be my diary...
031 diary with new web address...
www.031-diary.blogspot.com

new stage of my life and will renew some of the stuff to mark the turning point...

Malaysian in Singapore...

Many wanted to work in Singapore but scare of the living cost in Singapore...
i have been here for 3 days and looking for a job while doing some survey on the environment here..

salary in S'pore is slightly lower to Malaysia's salary...
a degree can get an average of SGD 2.2k...
while Malaysia will be around RM 2.5k...
a different of around 10%++

Room rental...
the most expensive expense in S'pore...
share a medium room will cost you around SGD 350++ include all dy...
Sharing a medium room in kl will cost us around more than RM250++ include all the expenses...
S'pore is 40%++ more expensive...

how about buying stuff in Singapore??
Taufu tiwn pack in Spore is below SGD 1
Malaysia is Rm 1.75
75% more exp than S'pore...

Chicken rice in Spore can go as low as sgd 2 while average is Sgd 3...
malaysia will be no less than Rm4...
Malaysia is 30% more exp...

hair recover cream in Spore is around SGD 15...
malaysia will be 25...
Malaysia is 75% more...

30 egg in spore is around 5.50-6...
malaysia will be 950 to more than 10..
malaysia is 80% more exp...

newspaper cost sgd 0.9 but malaysia the star is rm1.50...
malaysia is 30% more exp...

Large bottle of beer will cost sgd 6.5 while malaysia will cost at least rm12
90% more exp

samsung s2 sell on average sgd750 while malaysia sell at least rm1800
more than double..

today,
i bought a pack of instant noddle,bottle of vita milk,2 taufu,10 eggs,mushroom and 1 apple...it cost me Sgd 7.55
malaysia will at least cost more than rm 12 for the same stuff..

whn ever the leftover of ur salary,u may convert back to malaysia as long as ur not going to stay in spore forever..
my frnz survive very well in s'pore with the salary of Sgd1.5k...
tats the different with malaysia...
living in KL with rm 1.5k...GG dy lo..

i'm trying to find a job here...
to save $$ and gain experience at here...
wouldnt stay here forever...
good to work but not to live..

Finding Job...

start sending my resume to many many bank and investment house...
hope to get myself to singapore but yet hope to start my career in malaysia...

singapore,
learn fast and earn fast...

malaysia,
closer to my family...
i'm taking my CFA level 1 in malaysia too...

let's see which company accept my application ba...
i will be happy to get into investment house and start off my career as analyst...
start gaining exp for my CFA...

lets see how it goes...