回顾2009
做了两个event。。。
TT 和40 anni。。
program coordinator不会很难做啊。。。
可能自己太relax了!
也没太大的感触。
TT 是一定会再做下去的。。。
剩下明年了咯。
完成Diploma了。。。
3.52的成绩还算不错了。。。
今年踏上了Advance了。。。
还很满意第一个学期的3.8成绩,
遗憾的是没了scholarship!!!
去年的vice president已是2010年度的主席。。。
做最多的还是fund raising,
卖Financial Calculator。
希望明年的Finance Society会活跃起来!!
人老了就没了动力去跳舞了。。。
以前是每天4-6个小时:
今日只有久久来一个两个小时。。。
2009也是第一次去redang岛!
一个人筹备真的有一点辛苦!
最辛苦只有confirm人数的时侯!
但最后还是很顺利的去到redang。
2009是个瞒轻松的一年。。。
没什么太大的压力。。。。
只是有一段迷失感的时期!
2009的财务还瞒稳健的!
不愁吃不愁穿!!
可惜的是今年的投资慢了许多!!
7月进场已太慢了!!
还有几次的失误!!
没什么赚到!!
好的是。。。
已到达我的目的,
也开了新加坡的account了!
2010要更理智的投资。
2009也出现了有好感的女生。。。
可惜的是天时地力不到位啊!!!
明年是我的final year了。。。
就算成功恋爱起来,
一年真的太短了!!
22岁的我盼望的是终生伴侣!!
二来,
要出国的我不希望有任何顾虑留在大马!
2009之最遗憾!!!
MTS。。。
既然要call off这project!!!
只有10%的其他参与是不可能成功的!!
我一人的能力只能到一半的路!!
其他的迟迟还未confirm,
叫我怎么做下去?
到头来还真的只有我在付出啊。。。
在这MTS里还学习了不少!
我再次鉴定,
"friends always the worst business partner"
这是我的第二次了!
这MTS的cost。。。
还真不小!!
total economic cost是大于RM3,000!!!
2009吓到的事件,
您有点太恐怖了。。。
之前都说不,甚至断了联络!!
某日突然的联络。。。
突然的一个问题。。。
我真的不能接受!!
维持这样就好吧!
2009的blog,
没有停止哦!
也达到目标人数!!
也赚了rm151.56的广告费啊。。。
2009所赚的外快不算很多,
但是还是多于我的花费!
今年买回前两年没买的服装了!
12月的新年衣以花了RM543.10(14件东东)
还有一双鞋要买。。。
这年尾的外快就是allocate到这儿了!
整体说,
2009是个还不错的一年啦!!
2009的心情还瞒乐观的!!
希望2010也一样!
充实的年尾
24 Dec,
Xmas Eve....
Ampang Korean Dinner!!
all 5 batang + 1 lubang!!!
25 Dec
在"yuan" buffet庆祝Xmas!!
好想念那里的BBQ鸡!!
9人吃+kent 最后来会合我们!
当晚也是我们的movie session!!
sherlock holme的戏!
幽默+仔细+侦探!!!
movie session 人马~~12人!!
看完后,
去kent的家过夜!!
这年的年尾排满了丰富的节目!!
26Dec~~
晚上。。。。
kepong gathering+ LALA生日会吧!!
吃到要KO了!!
steamboat+bbq!!!
再玩生日女!!
19秒的vodka+1~3秒的coke!!
再来hot dog kiss!!!
情侣是会得到这样的庆祝的!!
过后就围圆圈游戏!!+vodka!!
挖鼻子,咬鼻子,吃草,转圈圈。。。
这是king 游戏!
差点晕。。。
因为我与Alicia中转圈圈
2nd half。。。
收拾后,24点!!!
是个考数学的游戏。。。
果然太久没动脑!!!
死了两次!!!
conclusion~most of they lie!!
但真的很enjoy啊。。。
太棒的weekend!!
过后就要focus 就要到来的final 了!!
加油吧!!
Xmas Eve....
Ampang Korean Dinner!!
all 5 batang + 1 lubang!!!
25 Dec
在"yuan" buffet庆祝Xmas!!
好想念那里的BBQ鸡!!
9人吃+kent 最后来会合我们!
当晚也是我们的movie session!!
sherlock holme的戏!
幽默+仔细+侦探!!!
movie session 人马~~12人!!
看完后,
去kent的家过夜!!
这年的年尾排满了丰富的节目!!
26Dec~~
晚上。。。。
kepong gathering+ LALA生日会吧!!
吃到要KO了!!
steamboat+bbq!!!
再玩生日女!!
19秒的vodka+1~3秒的coke!!
再来hot dog kiss!!!
情侣是会得到这样的庆祝的!!
过后就围圆圈游戏!!+vodka!!
挖鼻子,咬鼻子,吃草,转圈圈。。。
这是king 游戏!
差点晕。。。
因为我与Alicia中转圈圈
2nd half。。。
收拾后,24点!!!
是个考数学的游戏。。。
果然太久没动脑!!!
死了两次!!!
conclusion~most of they lie!!
但真的很enjoy啊。。。
太棒的weekend!!
过后就要focus 就要到来的final 了!!
加油吧!!
Sibeh CUTE!!!
damn cute...
i wish i could have 1 kid like this!!!wakakka
my dear future wife,
"can i have a kid like this??"
Blanco la Navidad
Another prom night of TARC 2009.
organized by SAS/SOT SWC
20 December is the white christmas
but i dun really know what is white Xmas...
how come there are 2 types of Xmas??
however, it is still a good day to celebrate and do all the gathering.
Ruby+Jenny
This event organized by our friend...
Angie~PM again....
then all the swc ppl...
TT's helpers which became our member dy...wakkaka
overall it can be consider a "TT's ppl"s event..
Joyce~~she wanted to act like Malay ppl...
During the dance floor...
lifting will always appear..wakkaka
there is something special happen...
CHUNG SING leading all other dancers to dance!!!
HE IS A SINGER!!!!!!
its a kind of funny scene...wakkakka
This fellow never stop BBOY d...
bryan SH!!
LAST...but not the least...
few leng lui committee
i bet she use to do those photo shooting...
was a very nice prom...
do really enjoy it...
yeah...
Had few "outing"s in this few days
1st one~~
went to Mid Valley and The Gardens to shop...
but we reached there late and can't really shop!
so we decided to watch a movie before we go home.
11.50pm for the Zombieland~~horror+very funny!!!!
good to bring ur GF to watch together..wakkaka
we went to "cucuk" bola>>pool!
2 boys and 2 men keep playing for 1 hour but the girl>>sleep and cry beside!!wakakkaa
after movie...
bad thing come,we lost in mid valley!!
cant really find the way back to the bus stop..
so just go out and try to get a taxi beside the road!
luckily get a taxi to fetch 5 of us home!!
it cost us RM40...
2nd outing,
2day~~
send mom to KL central and shop a while at there!!
bought 2 pants!!
long and semi-long(dunno how to call that kind of pants)
Hush puppies long pant for RM69++
not bad ya...save 50% dy...
night time~~
MOS performance!!!
be their MANYzer and cameraman...
in Ritz Calton hotel!!!
TTC+Lunatik+Origenz..
TT Crew in da house..
alt=""id="BLOGGER_PHOTO_ID_5416075056475497762" />
Origenz in da house...
TT senior went there b4!!
good luck our dear juniors.....
having fun ya....
RULES no.1
"Cardio"
RULES no.2
"double tap"
RULES no.3
"seat belt"
RULES no.4
"beware of washroom"
RULES no.23
"enjoy all the little fun"
went to Mid Valley and The Gardens to shop...
but we reached there late and can't really shop!
so we decided to watch a movie before we go home.
11.50pm for the Zombieland~~horror+very funny!!!!
good to bring ur GF to watch together..wakkaka
we went to "cucuk" bola>>pool!
2 boys and 2 men keep playing for 1 hour but the girl>>sleep and cry beside!!wakakkaa
after movie...
bad thing come,we lost in mid valley!!
cant really find the way back to the bus stop..
so just go out and try to get a taxi beside the road!
luckily get a taxi to fetch 5 of us home!!
it cost us RM40...
2nd outing,
2day~~
send mom to KL central and shop a while at there!!
bought 2 pants!!
long and semi-long(dunno how to call that kind of pants)
Hush puppies long pant for RM69++
not bad ya...save 50% dy...
night time~~
MOS performance!!!
be their MANYzer and cameraman...
in Ritz Calton hotel!!!
TTC+Lunatik+Origenz..
TT Crew in da house..
alt=""id="BLOGGER_PHOTO_ID_5416075056475497762" />
Origenz in da house...
TT senior went there b4!!
good luck our dear juniors.....
having fun ya....
RULES no.1
"Cardio"
RULES no.2
"double tap"
RULES no.3
"seat belt"
RULES no.4
"beware of washroom"
RULES no.23
"enjoy all the little fun"
SALES!!!
are you looking for something cheap??
let have a look on these>>
1)
11 to 15 December 2009
Banana Republic Sale
Event of the Season
Receive additional 20% Off with Citibank Cards
Banana Republic Apparels
Location:
Suria KLCC
The Gardens Mid Valley
2)
From 10 December 2009 onwards
FJ Benjamin End of Season Clearance @ Damansara
Brands and Products Offered
Guess
Guess Kids
Guess Watches
Guess Handbags
Paint 8
La Senza
Raoul
Location:
(Tel: 603 7726 5641)
Alpha Quest Marketing Sdn Bhd
55 Ground Floor
Jalan SS22/19
Damansara Jaya
47400 Petaling Jaya
Selangor Darul Ehsan
Malaysia
3)
From 9 December 2009 onwards
G2000 Further Markdown
4)
From 8 December 2009 onwards
Alain Delon Men’s Shoes Promotion
shop wise!!
this is the time i buy those branded stuff!!
*you all can go to KL Central to buy the leftover warehouse(levi's) stock!!
there are 505,512,604 left!!~RM100 each...
so go grab it fast!
let have a look on these>>
1)
11 to 15 December 2009
Banana Republic Sale
Event of the Season
Receive additional 20% Off with Citibank Cards
Banana Republic Apparels
Location:
Suria KLCC
The Gardens Mid Valley
2)
From 10 December 2009 onwards
FJ Benjamin End of Season Clearance @ Damansara
Brands and Products Offered
Guess
Guess Kids
Guess Watches
Guess Handbags
Paint 8
La Senza
Raoul
Location:
(Tel: 603 7726 5641)
Alpha Quest Marketing Sdn Bhd
55 Ground Floor
Jalan SS22/19
Damansara Jaya
47400 Petaling Jaya
Selangor Darul Ehsan
Malaysia
3)
From 9 December 2009 onwards
G2000 Further Markdown
4)
From 8 December 2009 onwards
Alain Delon Men’s Shoes Promotion
shop wise!!
this is the time i buy those branded stuff!!
*you all can go to KL Central to buy the leftover warehouse(levi's) stock!!
there are 505,512,604 left!!~RM100 each...
so go grab it fast!
S'pore Acc is ready!!
Finally,
i activated my SG trading acc!!
through CIMB-GK Securities Pte. Ltd.
still need some time to get use of this kind of foreign trading.
so far,this is the most cost effective way to trade foreign share!
min brokerage is SGD 18 for SGX(my target stock market currently)
it is non interest bearing trust account~no interest given on the balance amount.
i'm also going to open a bank account in SG to park my cash and dividend received!
SG strategy:
high yield counter!!
current watch list:Cambridge,LMIR,First,MI,FSL,rickmer(kind of investment trust)
target to get >10% p.a!!
hope everything will be smooth!!
i activated my SG trading acc!!
through CIMB-GK Securities Pte. Ltd.
still need some time to get use of this kind of foreign trading.
so far,this is the most cost effective way to trade foreign share!
min brokerage is SGD 18 for SGX(my target stock market currently)
it is non interest bearing trust account~no interest given on the balance amount.
i'm also going to open a bank account in SG to park my cash and dividend received!
SG strategy:
high yield counter!!
current watch list:Cambridge,LMIR,First,MI,FSL,rickmer(kind of investment trust)
target to get >10% p.a!!
hope everything will be smooth!!
M.O.S crew!!
2012
Movie day!!!
watched 2 movies this Sunday!
what a nice 2012 we have watched just now!!so hard to buy a ticket to get there!!
It show how tiny we are as a human in the hand of nature...
we can really fight and predict the nature!!!not even with the HIGH-Tech stuff!!
besides that, we can also see how ugly is the capitalist's world!!
they will not forgo any profit taking chances!!cruel world!!
luckily there's some people who are still outside the capitalism!!
lastly will be the love from parents...in the family...
not matter how bad or how cruel your parents are....
they will always treat you 101% better than how they treat themselves!
that's our last movie tonight~9.45pm-12.25am!
we didn't even know the time pass that fast!!
it is a nice movie...
even we sit at the 1st row...cool.
1st movie??
Christmas Carol...
a normal 3d cartoon...
didn't expect much...
but its still ok...
they had a happy ending!
we should always know that $$ is not the most precious item in the world!!
can feel a lot of stuff from the movies today...
cool...worth it!!
Letting Go...
sometime we should let go of something that can't be achieved currently.
may be in the next future...
but things change every moment!
that might not be our target in the future.
there is a Chinese say we need to achieve "天时地利人和" to complete a task or a project.
天时 refer to the external environment which is always not in our control!
the timing which is always one of the most essential factor of doing something!
地利 refer to the location. the closer you are, it's easier for you to reach!
we also need to utilize the location's features!
人和 refer to the unity of the people. the bonding of the people.networking!!
how we work it out will decide how is the outcome of our work.
waiting for the 天时??
its better to go for the 地利!!
do the detail analysis and plan a strategy how to utilize the location!!
waiting for the 地利??
why not focus on something that we can control and see clearer??
the internal factor~~人和!!
how we do it will determine what is our outcome!!
good internal management will always overcome the difficulties!
how we cooperate with others!!
how we going to finish the task!!
what kind of people we are dealing with!!
but we always failed in this part!!
different people have different wants and needs!!
their motivation and commitment are different!!
so its not easy to align with these!!
i wonder if the main problem is myself rather than other element!!
i have abandon quite a number of projects!!
Not capable enough!!(lack of skill and knowledge)
need mentor to guide!!(we always need guideline!!)
need greater motivation!!(GF always my greatest motivation!unluckily i have no 1 now!)
need joint venture with the right party!!(right leverage is important!)
Dare to fail!!(i always do!!)
Dare to take risk!!(its decreasing!!)
Letting GO....again!!!
not a good one!!
2010的方向
昨天早上>>凌晨3点
在云顶的Starbuck为自己做了2010的八大目标!!
22岁所定下的目标与方向有一点不一样了!!
1。为未来UK的升学做准备!
-需要问好关于学校与学费的东东!
-需要准备学费与生活费!
2。学法文!
-要学好基本的法文。
-enroll TARC 的法文班。
3。开始阅读CFA Level 1的textbook
-TARC libary有CFA的textbook
-需要好好利用我们的library
4。加强英文底子!
-会enroll ELS 或 BritishCouncil的英文课程。
-英文与法文对以后的事业有一定的帮助。
-UK和Euro的重要语言!
5。AdvanceDiploma~3.75!
-希望可以拿到奖学金出国。
-好让我有个目的更努力的读书。
6。自己的投资基金~RM20k!
-让自己更了解投资里的技巧。
-也可做为出国的用费。
7。阅读30本书!
-现今社会需要的是更广的知识,惟有阅读咯。
-要好好利用我们的library啊!!
8。最后当然是要运动啦!
-羽毛球,游泳,跳舞。
-有keep fit的效果啊。
8个里有7个都是偏向我以后的学业和事业发展了!!
我想我应该到了另一个阶段了。。。
天底下没有不散的宴会,
我即将脱离一些现有的社交圈而迈向我需要的社交圈。
已经原地踏步很久了!
是时候前进了!
2010,我来啦!!!
1st Levi's in my life
today is the last day of this warehouse sales!!
Location???
Sibeh far from our place!!~Hotel Sri Petaling
saw the advertisement in The STAR newspaper..
was planned to buy some CNY costume this year end
as most of my costumes are few years old dy...
jeans,pants(long&short),shoes,wallet
and maybe BOXER(but not use to let my bro to move freely!!)
will use up all my Nov's earning(rm500) for the CNY stuff!!
OMG...quite a huge spending this year!!
hope Someone will subsidize some of it.
1 jeans and 1 shirt have been taken home!!
Levi's relaxed straight(512)
and 1 red shirt...
only cost RM150..
cool...
hope can get more ang pao in this coming CNY to cover this cost...wkaakaka...
2009 going to end soon...
2010 will be another new start-up...
Gogogo...achieve more in 2010!!
-Old Photos-
"Shoot" by many friends...
many complain about my blog article which is too "high" level and complicated for my friends.
sometimes,it's done to make it more complicated d...wakakakaka..
sometimes,the topic is too complicated for some people d...
but i'll try to simplify it ba...
many complain that 10persons seldom post personal stuff...
i did posted some of those "emo" post...
but its has been modified to look more "educative" stuff...wkakakka..
Btw, seldom get "emo" la...
i'm kind of happy "go" lucky person la...
i think its time to change a little bit ba..
sometimes,it's done to make it more complicated d...wakakakaka..
sometimes,the topic is too complicated for some people d...
but i'll try to simplify it ba...
many complain that 10persons seldom post personal stuff...
i did posted some of those "emo" post...
but its has been modified to look more "educative" stuff...wkakakka..
Btw, seldom get "emo" la...
i'm kind of happy "go" lucky person la...
i think its time to change a little bit ba..
壮大兵力
Momentous Talent Studio
It's not an easy task for us...
but the unity will bring it to us...
none of us know how far we can go!
never try never know!!
don't limit ourselves...
So far,
Shop-lot is confirmed!
1 Quotation received,2 more to go...
Financial part still in progress(this will be the hardest 1)...
SMIDEC grant & incentive~after we register our studio!!
Design of studio's identity is in progress too..(thanks for all designers' help)
Wall-paint project is confirmed..(designer from TheOne+TARC's art stream friend)
Instructor~this is the less worried part.
Management~should not be any problem when we got few mentors to lead us.
Publicity~worth of mouth,flyer,survey,event,youtube,facebook,website,blog's link...
Momentous Talent Studio will be the platform for all youngster to develop their talents...
Halloween Party!!
昨晚,6位男生+ROO+她的2位朋友
参加了LimKwokWing的Halloween Party!
终于来到LKW了。
LKW外观真的是间很ART的uni!
但是,它的厕所还是很不行啊!!
那里是间International大学,
看到的都是黑人和arab人。
外国人就是很敢穿!很露哦!!
真是去洗眼睛啊。
但他们很多都是SMOKER!!
不管男女。
LKW 有的是比较music的人才。
可能是因为LKW有music科吧。
但是rock band。。。
我还不会欣赏哦。
Party完了后,
我们去了Old Town喝coffee。
然后就是PrivateParty。。。
LKW的halloween后的party。
那是个很外国feel的party。
DJ,beer,黑人,hot babe。
有cypher。。。
但是我们输了。。。
输在那种凶狠的气势!
他们都很高!!
(Joshua broken his shirt!!with this move!!wakakka)
这晚还真是个新经验!!
Others photo:
(macam kami ada perform dekat sini pula)
(Routine 1)
(routine 2)
(nice one!!)
Its Amazing!!
this is so amazing...
its look so real!
WE're going to have some 3D wall paint in out Momentous Talent Studio too!
cool...
being inform that 3D projection is very "HOT" currently!!
well done by those designer!!
when can we see it in M'sia?
年轻"应"有为
16/10/2009
这是个还不错的一天。
这也是我人生第二次收DIVIDEND。
来自CCK的RM52.50的cheque(扣了25%tax)!
再来个人生第一次收treasury share(33unit share)。
数目是很小啦,但是也是个好开始嘛。。。
希望以后每次的cheque都是RM1000以上啦。
那我就可以摇脚了。
今天也是我们AdvanceDiploma成绩公布日哦。
还好我的成绩还不错哦。
3.80的cpa对我来说是很不错的咯。
应该可以keep这成绩的。
Advance Diploma目标= HD 毕业啦!wakakkak
一起加油吧!
这也是我人生第二次收DIVIDEND。
来自CCK的RM52.50的cheque(扣了25%tax)!
再来个人生第一次收treasury share(33unit share)。
数目是很小啦,但是也是个好开始嘛。。。
希望以后每次的cheque都是RM1000以上啦。
那我就可以摇脚了。
今天也是我们AdvanceDiploma成绩公布日哦。
还好我的成绩还不错哦。
3.80的cpa对我来说是很不错的咯。
应该可以keep这成绩的。
Advance Diploma目标= HD 毕业啦!wakakkak
一起加油吧!
有了危机才会有机会
shock doctrine
是本说出现实的资本主义!
资本家是个很会制造危机。。。
也很会从中找机会来赚一大笔!
911
让美国有机会"反恐"!
谁最赚?你我都知道啦
但是谁是主谋?你我都不知道!
近一些的,Tsunami
这让很多资本家有机会买下很多sri lanka的沙滩。
这让很多鱼村变成了旅游区了。
谁最赚?你我都知道啦。
1997的亚洲风暴,
谁来攻打我们?
美国的资本家!
他们最利害在危机中找到赚大钱的机会!
自问,
我也不希望一生没危机!
如果事事顺利,没坏人,没坏事。。。
哪来好人和好事啊?
几时轮到我们有机会发展啊?
没病痛,哪来医生和医药?
没犯罪,哪来警察?
没下跌,哪来上升?
金融风暴只是把世界里的财富再次洗牌!
股市里,
没人喜欢平谈
横摆是很痛苦的!
因为我们都没能套利!
2007
为我人生创造了第一个危机!也是个机会!
但那是个下跌三脚趋势(downward triangle)。
更幸运的是很大的跌幅会有个很大的反弹!
从3000点跌到-15000。。。
在从-15000反弹到12000左右!!!
但是过后的平淡与小调整跌回了6000点左右了!
2009
没有其它的因素带来动力!
横摆了很久啦!
那么我们就来个危机吧!
在没路可逃时,
我们就能发挥我们最大能力!
2010即将是我人生第二个三脚趋势!
可上也可下!!
这也比不上不下好啊!
期待2010的三脚趋势!
*这里头有些股市里的term.
是本说出现实的资本主义!
资本家是个很会制造危机。。。
也很会从中找机会来赚一大笔!
911
让美国有机会"反恐"!
谁最赚?你我都知道啦
但是谁是主谋?你我都不知道!
近一些的,Tsunami
这让很多资本家有机会买下很多sri lanka的沙滩。
这让很多鱼村变成了旅游区了。
谁最赚?你我都知道啦。
1997的亚洲风暴,
谁来攻打我们?
美国的资本家!
他们最利害在危机中找到赚大钱的机会!
自问,
我也不希望一生没危机!
如果事事顺利,没坏人,没坏事。。。
哪来好人和好事啊?
几时轮到我们有机会发展啊?
没病痛,哪来医生和医药?
没犯罪,哪来警察?
没下跌,哪来上升?
金融风暴只是把世界里的财富再次洗牌!
股市里,
没人喜欢平谈
横摆是很痛苦的!
因为我们都没能套利!
2007
为我人生创造了第一个危机!也是个机会!
但那是个下跌三脚趋势(downward triangle)。
更幸运的是很大的跌幅会有个很大的反弹!
从3000点跌到-15000。。。
在从-15000反弹到12000左右!!!
但是过后的平淡与小调整跌回了6000点左右了!
2009
没有其它的因素带来动力!
横摆了很久啦!
那么我们就来个危机吧!
在没路可逃时,
我们就能发挥我们最大能力!
2010即将是我人生第二个三脚趋势!
可上也可下!!
这也比不上不下好啊!
期待2010的三脚趋势!
*这里头有些股市里的term.
害怕
你有面对到这样的情况吗?
害怕一个人?
害怕黑暗?
害怕赔钱?
害怕死亡?
害怕失败?
害怕尝试?
但是这几年面对的害怕却是>>
害怕辜负另一个她人!
害怕没能为未来准备!
害怕想了却没做!
害怕做了却没坚持!
害怕没能力啊!
希望勇敢可以盖掉这些害怕!
希望有动力持续的推动我!
害怕一个人?
害怕黑暗?
害怕赔钱?
害怕死亡?
害怕失败?
害怕尝试?
但是这几年面对的害怕却是>>
害怕辜负另一个她人!
害怕没能为未来准备!
害怕想了却没做!
害怕做了却没坚持!
害怕没能力啊!
希望勇敢可以盖掉这些害怕!
希望有动力持续的推动我!
我们就应该赌一次
二十几岁的我们,
站在我们人生最重要的起跑点。
我们的未来会在那里就是今天的决定了。
博一博又如何呢?
输了也不就从头开始啊,
又站在我们现有的起跑点啊。
但我们并非输完。
有想法才会有做法,有做法才会有结果!
不管结果如何,我们还是得到了经验,思想与成熟。
如果成功了,
这会把我们带到更前锋的起点。
远远的在人生的前段啊。
有想法就去做,GOGOGO。。。
就赌一把吧!!
站在我们人生最重要的起跑点。
我们的未来会在那里就是今天的决定了。
博一博又如何呢?
输了也不就从头开始啊,
又站在我们现有的起跑点啊。
但我们并非输完。
有想法才会有做法,有做法才会有结果!
不管结果如何,我们还是得到了经验,思想与成熟。
如果成功了,
这会把我们带到更前锋的起点。
远远的在人生的前段啊。
有想法就去做,GOGOGO。。。
就赌一把吧!!
我来啦!
已在进行当中了。
是个不小的project!
还有一些身边的朋友问到:
"你当真?"
"真的可以吗?"
他们看到的是个很不可能的目标!
他们看到的是个太大了的目标!
他们看到的是个很困难的目标!
他们觉得,
我们这把年纪不应该做这!
这好象太大了!
不敢承担与面对!
不勇敢的人永远只能得到眼前的东西!
不勇敢的人永远只能停留在原地!
不敢承担的人永远只是个小人物!
这是我跌到的地方,
我想在这爬起来。
再次的出发!
这目标真的很大吗?
可能对一个人来说。。。这真的很大!
我曾经试过。。。还好啦,不会很大啊。
以我们现在的人手,智慧,人脉,能力,小小名气。。。
这一点也不难!
因为分析到这一点,我也决定再次尝试!
但是我唯一的担心是,团结。。。
不想到头来只有一人做事
不想最后来个内乱
我相信如果我们能团结一致,
我们一定可以把这目标带到更上一楼!
我们一起加油吧!
迈向Momentous Talent Studio!!
这名字OK吗?
假期
现在是TARC的semester break。
为期两个星期。
之前还计划与C172友们去McD做casual crew!
每小时RM6哦。
18-28Sept。
但是其中一个manager没confirm我的位,
只说我是back-up再等电话吧。
到现在就没必要去做了。
这也可让我更专心去做更重要的事!
这两天都上Genting哦!
20/09是去看Asia's MJ。。。
F。O。C 的哦。
我的女人请我去的。wakakka
Jordan Sam还真的有点象的哦。
看完后不久就下回KL了。
21/09,
与coursemate,Ex-coursemate,Future Partners去enjoy!
再进Casino!
这次是为了try一个新的赌法!
但结论是"不行"。
连开5次以上的机率不多!
在3小时里就有结论了,又花了RM100买个report!
赌场的MinBet已调高了!
对我是见坏事!
成本高了。
接下来就要好好的拼一拼了!
但不是拼casino啦!
拼一个,
好让我的这20年代有点看头!
太平凡这会让我觉得浪费了我的20多岁!
我要爬起来!!
YoYoyo...MaxIdentity In Da House
Some Activities in TARC
Asiasoft, the creator of Maple Story
and Rexona will be here in Tar College.
Date: 30th July 2009
Time: 9.30am to 4.30pm
Venue: Canteen 2 Foyer
Activities?
1. AsiaSoft auditon challenge and Sudden Attack girl search with rexona "No Sweat Contest".
Win up to RM10,000!
2. Free "Sudden Attack" Lan game frmo AsiaSoft.
3. Watson's Vouchers giveaway.
Guess what?
TARCian won 2 of the competition!
Champion>>Chua Jackson>MR 6.3K
1st Runner-Up>>>Kent
Both are Ex-TT Finalist and also EX-Committee of TT
Jane Kwan of TARC is on The STAGE!!
the 1st one from the Right..
BE Proud Of TARCian
and Rexona will be here in Tar College.
Date: 30th July 2009
Time: 9.30am to 4.30pm
Venue: Canteen 2 Foyer
Activities?
1. AsiaSoft auditon challenge and Sudden Attack girl search with rexona "No Sweat Contest".
Win up to RM10,000!
2. Free "Sudden Attack" Lan game frmo AsiaSoft.
3. Watson's Vouchers giveaway.
Guess what?
TARCian won 2 of the competition!
Champion>>Chua Jackson>MR 6.3K
1st Runner-Up>>>Kent
Both are Ex-TT Finalist and also EX-Committee of TT
Jane Kwan of TARC is on The STAGE!!
the 1st one from the Right..
BE Proud Of TARCian
只需一个开始
PTPTN
我们很多都会动用到这个家伙!
有人说最好还是不要借它,
不要在还没毕业就背上债务。
但是很多是为了减轻父母的负担而借了这个PTPTN。
去年PTPTN把利息减低到1%就让这PTPTN成为一个很好的工具了。
需要借到它的朋友们,
你们可以敢敢的去借吧。
最重要是不要浪费在不必要的地方!
借了PTPTN的朋友,
你们赚反了!
你们根本就不会亏的!
你们的Cost of Borrowing就那么的1%,
PTPTN要你们的就是那1%!
Inflation基本上是在4%左右。
PTPTN还是亏了3%。
而我们可以享受"大"的10k,
然后还PTPTN"小"的10k加上1%。
好划算啊!
今天在走路回来的路上想到了一个还不错的repayment计划!
就拿我现在的AdvanceDiploma来做个例子!
2年里我们大概会拿了PTPTN的10k。
第一要点,
不要太快一次还完整个PTPTN。
我们可以好好的利用今时的"大"10K
我们越慢还清我们越赚哦!
inflation会把日后的10k变小
也代表着我们以后还给PTPTN的10k也变小了。
第二点,
1%的利息太低了,
不会造成一个负担!
Repayment计划:
还没踏入社会就可以开始,
AdvanceDiploma大概会用我们的7-8K,
那么我们就有extra的2K。
*年轻人可以在空闲时做些PartTime赚点生活费,
PTPTN就只拿来还学费吧!
每年把这1K投资在REITs,
只要求每年的8%股息!
*这个投资是拿来还PTPTN!
不需要看它的价钱,只看它是否可以提供那8%的Cashflow!
Malaysia的REITs的DividendYield是在8-13%,
所以那8%是很容易找的!
REITs的股价是比较stable比起其它的股!
REITs是以Dividend为主!(高过FD)
REITs的Tax比其它股更低(其它股是有25%tax的)
2年里你就有2k的REITs基金!
把PTPTN的repayment拉到10年吧!(越长越好哦)
那么平均每年要还1K左右吧!
一个月大概RM90吧!
出来做工后每个月就开始还这RM90,
然后每个月EXTRA拿200放进REITs基金。
所有的Divedend请放回进REITs基金!
让复利,时间,钱为你工作!
5年后,
你会有大概18K的REITs基金,
8%的Dividend就有1。48K>>每个月是RM123
你就可以用这REITs基金每年的dividend来还这PTPTN了。
接下来的5年就可以把这PTPTN的债务放在枕头下了。
然而你还会有了一个REITs基金每年给你RM1.48K哦,
之后你还是可以把这REITs基金扩大到它可以养你哦!
再让你看看那笔数吧!
如果你以后想要的生活每个月需要RM3K(不包债务啊)。
RM3k的生活应该就很不错了吧!
天天可以喝Starbuck了。
你就要需要RM360K的REITs基金。
然后再把这REITs基金的DividendYield要求定在10%,
以之前计划一样,每个月RM200ONLY!!
你在22岁踏入社会后的28年后的50岁就可以摇脚了!
这还没算你的房地产,EPF,其它股票投资,保险与等等!!
财务自由就那么的简单哦!
如果你28年的平均月收入是RM5K,
那么这RM200就只是那么的一点点啊!
如果你把RM200换成你的月收入的10%,
那么你50岁时,
REITs基金每个月是会给你RM7,381!!
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