Working in Public Bank soon

next monday have to go KK training 1 monthh dy..
then will be place at Jalan Apas Branch in my hometown Tawau...
i got the position in credit department where we handle all those loans...
this post has very good career prospect...
if everything good enough 5-6 years i will have the chance to get promoted to branch manager..

working in bank has many employee benefit such as year end bonus,medical,dental,loan and better interest on our saving...
we also have at least 3 weeks paid leave a year in officer level.
the only thing that will kill us is the workload especially in Public bank which has ISO certified...

Gogogo...
i want to master all the credit department stuff...
its very useful cuz no matter who we are we will have to bank to get at least 1 loan..

Blog traffic increased

Increased my blog traffic after changing my blog address...
there is a significant increment...yeah...
next i have to increase my ADS status in nuffnang...

last time i got 2 5 stars status and 1 3 star...
now i have to start all over again from 3 star...

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..

Plan changed~

3 sides crashed...

1 side~parents
1 side~career
1 side~GF

kinda impossible to keep all these at the same time at the best level...
have to stay back and start my career at my small hometown...
parents have to be taken care...
career path can be changed slightly at the beginning...
GF>>have to separate for 2-3 years...

living and working at different place will really increase our uncertainty...
how to maintain a distance relationship?
both have to be strong and steady...
its kinda impossible to keep her in a small town with me...
too much for her to let go...

hmmmm...
have to re-arrange my whole plan again...
its really kinda hard to plan...

ah men...
wish me all the best...

Bersih ~709~

who like dirty stuff??
only those who can benefit from those DIRTY stuff will love to be DIRTY!!
but how many benefit from it??
1000 out of 13million people??

we just want to have something which is FAIR to everyone...
all races are raising this issue...
this is what we call 1 MALAYSIA...
we just fight for better MALAYSIA..

"B"a"N"ana dominated the place too long...
they formed their own crony and benefit each another 1st before other priority..

we are in "HALF" democratic country...
its useless to have half of it...
let's do it FULLY democratic...

even corporate governance teach us about the check and balance...
what happen now is...
there is no one to check and balance up our politic as the main cause of most of the problems!!

for a better MALAYSIA....
for 1 MALAYSIA...

let's us do some GOTONG ROYONG...
to clean up some of the mess...
i love BERSIH...

Be happy...

saw an article posted by one of my friend's blog...
http://malaysiafinance.blogspot.com/

it is good if all of us learn how to be happy...
Bertand Russell divide it into 2 parts...
1st we have to conquer the unhappiness
2nd...conquer the happiness

its like chinese YIN YAN...
we have to do both parts...

Bertrand Russell’s 14 steps

First you must know how to conquer unhappiness.

1. Don’t be taken in by melancholy
Melancholy is only a passing mood; don’t mistake it for wisdom. Prolonged sadness can lead to mental depression, a sickness associated with suicidal tendency. You must believe that you can change your mood simply by doing something different – play a game or talk to a good friend for diversion.

2. Don't get caught in the competitive treadmill
Life is always a struggle. You compete in school, in university and at work … always wanting to do better and making more money. You really do not need so much to be happy. You must know when to stop chasing material possessions and learn to be contented. You cannot be happy if you are still greedy for more and more.

Feeling happy is the only true success. Don’t work so hard until you forget how to be happy.

3. Develop the right attitude to boredom and excitement
Everyone has a natural fear of boredom. That is why one always has the urge to find things to do. Very few people can just sit down, do nothing and simply enjoy peace and tranquility (but give it a try!). Do not fear a little boredom for a certain amount of boredom in life is to be expected.

The opposite of boredom is excitement but be careful in seeking it. Incidentally, there is a recent news report from Australia that the easy availability of Viagra and other stimulants has raised the level of sexual activity amongst senior citizens (that is, those over 75) to exceptional levels of excitement. Just imagine that. Excitement is best sought in small doses and in the right places.

4. Make your worries concrete, don’t suppress them
Get a sense of perspective. Ask yourself “what is the worst thing that can possibly happen?” For example if your doctor tells you that your disease is incurable, you must realise that worry will not make you better. The best you can do is to find enjoyment every day for whatever life you have left.

On the other hand though, when you have a difficult problem, do not suppress it because it will not go away by itself. Face it, grapple with it and try to find a way to resolve it. Do what you can and believe that it will be alright when the time comes. Remember! Prolonged worrying can cause mental depression.

5. Don’t envy, admire!
Since I have already touched on envy and jealousy at the start of my talk, I only wish to add this: Enjoy what you have for its own sake. Don’t compare yourself with others who are more successful than you.

When you are sad, compare yourself with people who are in a worse situation.

6. Fight back against guilt and shame
When you are young, you are easily influenced by your religious teachers and your parents. As a result, your conscience is formed. Many things you like to do but are considered sinful will make you unhappy as your conscience pricks you. Unless you are able to change your mindset, you will be unhappy.

According to Bertrand Russell, consensual sex between two adults can be very thrilling and the partners should not be made to feel ashamed or guilty. Russell expounded this concept almost a century ago. Today a majority of the people – at least in this auditorium – are prepared to accept the idea. A minority though would think that Russell was encouraging divorce as he was an atheist.

Statistics show that more than 50% of people in Europe and the US are divorced. Frequently many marriages that are unhappy do not end in divorce only because of the constraining factors of religion, children, guilt and shame. So to be happy, you need to understand and appreciate Russell’s philosophy on this issue.

7. Don’t suffer from an exaggerated sense of injustice
We must be concerned about politics because it affects all of us in so many ways and impacts on the future of our children. But you must bear in mind that you alone cannot change the situation or the flow of current affairs. After you have done what you can, leave it to fate and don’t be unhappy.

8. Don’t care too much what others think
"Respect public opinion only to avoid starvation and jail."

Normally you will not feel happy to do something without your spouse’s approval, or that of friends and family. But you must not be afraid to exercise your own judgment in certain important matters, e.g. when to buy and when to sell shares. Your wife may not be giving the best advice on these matters.

Everyone has his own opinion but who is right and who is wrong is a constant puzzle. For example, the Catholics forbid divorce but it is allowed by the Muslim and the civil courts.

The secrets of happiness

Now you must know how to conquer happiness. The next six measures make up Steps 9 to 14 of the Bertrand Russell philosophy to happiness.

1. Cultivate zest
Get into the habit of taking a lively and friendly interest in everything. The more things a man is interested in, the more opportunities he has to make himself happy. An introvert cannot be happy. Outside working hours, you must have a lot of free time to make yourself happy. Make new friends, have more hobbies, play games, surf the Internet, watch football and movies, etc.

2. Be affectionate
Do not be afraid to show kindness and affection to people e.g. tipping waiters and the jaga kereta. You cannot be happy if you do not have the feeling that you are doing something good and people love you. You will feel happy if you can make someone happy.

You can create happiness by offering scholarships to help needy students without expecting anything in return. I have done so and found happiness in this. All the recipients have to promise me is that when they are financially solvent they will help other needy students. In this way, they will continue to do charity and create happiness after I die.

Avoid an argument because no one wins in any argument. Remember how you felt the last time you had an argument with someone. When you receive affection or admiration, you would feel secure and this enables you to perform better. By the same token, you should do the same unto others.

Here I would like to quote from Russell’s book again. “The best type of affection is reciprocally life-giving: each receives affection with joy and gives it without effort, and each finds the whole world more interesting in consequence of the existence of this reciprocal happiness. There is, however, another kind, by no means uncommon, in which one person sucks the vitality of the other, one receives what the other gives, but gives almost nothing in return. Some very vital people belong to this bloodsucking type. They extract the vitality from one victim after another, but while they prosper and grow interesting, those upon whom they live grow pale and dim and dull.”

3. Be a good parent
Give your child time and not too much money.

The bond between parents and children is often one of the greatest source of happiness. But in many cases, it is also a source of unhappiness to both parties. In fact, studies show that in most cases, at least one of both parties is unhappy in the relationship. The reasons for this phenomenon are too many and varied and would be outside the scope of this talk.

4. Do interesting, varied and constructive workLiving in a competitive world, one is born to do work. Everyone needs to work. Work prevents boredom. Even uninteresting work will make holidays more enjoyable. Work offers the opportunity for you to achieve your ambition. Try to find interesting work so that you can enjoy doing it.

5. Cultivate plenty of relaxing minor interests
Enjoy as many hobbies and pursuits as you can; make sure these provide a difference from your day job. For example: Keep a dog, read, surf the Net, play games, watch TV or contact your friends more frequently. You must realise most of your enjoyment is generated from the people closest to you – your friends, children and your spouse.

6. Find the right balance between effort and resignation
A man occupies almost all his time in worrying about his wife, children, his work and his financial position. All these burdens are bound to depress and tire him.

Very few people, except singles, have never quarreled with their spouses. Very few parents have not endured grave anxiety when their children are ill. Very few businessmen have never met financial difficulties and few professional men have not faced periods of failure. It is at such times that the wide variety of cultivated interests provides an outlet for amusement and happiness.


stay cool stay happy always

What is your limit???

have you ever trying to go beyond your limit??
any of the limit...
you should try...

how far you can go...
how well you can face challenges...
how well you can manage your time..
how well you can manage your $$...
how long you can stay still with 1 thing...
how long you can be patient...

hmmm....
let's try...

pay 50 cents for each 1Malaysia email...

bro,
if u wan to "K" our $$...
please do it wisely la...
everyone know ur "intention" start from the beginning...

we are not going to be high income nation...
but YOU ARE going to be a HIGH INCOME CONGLOMERATE(BN's gang)...
if we got free email...why using an email which will cost us RM 0.50 indirectly??LOLX

RM0.50 is cheaper than posting a letter...
excuse me...
but we have FREE communication medium dy!!!
yahoo,gmail,hotmail...

who say its 100% private funded???
you stil paying that GN3 company RM0.50 every stupid email we send...LOLX...
thats not 100% private project dy la...

use ur head and think a better project la...
build schools...
build better infrastructure...
use those $$ to subsidize la...

lolx....

Cost and benefit analysis??

we use this quite often in our daily life...
we will always set priorities...
which stuff mean more to you...
it will caries more weightage in ur decision...

then we will compare with other things whether its enough to offset the benefit of your 1st choice...
then we decide...

that's why wise GURU always said that...
"its not about your ability...
everything is depend on how BADLY you want it...
how much you want it??
you will find 1000000000 ways to get it if you really want it BADLY..."

so ask urself...
what you want actually...
what you want the most at this moment and in the future...

i used to ask these question to my own self...
keep myself on track toward the future goals....

Future pathway

how to get a balance life?
work and family...have to adjust to the best equilibrium point...
Material and spiritual...have to do the same thing too...

so how...
sometimes,we have to choose one and have to put 1 behind at one point...
if you want to archive something at the fastest pace...you have to hold 1 tight and 100% on it...
this is the power of focus...

holding both...
you still can get what you want...
but abit slower and it doesn't 100% guarantee "SUCCESS"

so what do you think?
as a youngster and young adult...
what will you choose??

2 seminar of the day~~

done by mastery asia...

1st we have terence from Spore talk about stock market investment...
kinda new strategy for me...
RENTING your stock to others...
thats mean we will have extra 1 more income stream by investing in equity...
its kinda workable...
but we need to have US's stock...
need to ready to sell OPTION...
so its impossible to do it in M'sia!!
have to know how to sell option/RENTING out ur stock.

can make around USD 1 per contract(100 share) depending on the underlaying share price.
kinda low downward risk where most of the OPTION(90%) expired worthless at the end of the month...
even the 10% failure occur,
you just have to sell your share out with an agreed price in the option.
then buy back the share with your $$ and buy back the share then rent it out again.
this is a new thing i learnt...

but 2nd seminar is abit disappointing...
no new knowledge on property investment..

both seminars are used to promote their workshop...
1st 1 and half day course cost RM999...

while 2nd is a 4 days workshop by some1 very famous in M'sia...
it cost around 6k...

conclusion...
learnt something today...
eat alot today...

kinda great day...

What is your LIMIT??

Believe in yourself is one of the most essential thing you need to do...
be positive..

read a story...
some one ask the owner of an aquarium
"how big can a shark be??"
owner answer
"depend on the size of the aquarium.."
that person didnt really get it...
owner explain..
"shark in aquarium will grow the max to the size of the aquarium..."
"but shark in the sea can grow until it can swallow a human in 1 time!!!"

dont frame yourself...
we have many hidden potential inside ourselves...
dont limit yourself...
let it grow and let it be...

that's why Donald Trump also emphasize on
"THINK BIG"
human tend to defeat themselves...
"i cant do this....i cant manage it...i scare to try..."
sometimes...
human dont even dare to DREAM!!!
DREAM cost nothing...babe!!!!
feel free to dream...and try to think of it and plan for it!!!
everything will seems very POSSIBLE!!

thats why...
i always plan and aim high...
and dream more...

there is a Chinese say
"人因梦想而伟大"

i believe i'll become a millionaire in the future!!!
let's see how its goes...

Making "LOVE"~~

what do you think about making love??
or may be we should know what is love at 1st...
LOVE is no a relationship built on physical aspect only...
but spiritual and mentally...
LOVE is not a kind of 1 way relationship...
its 2 way!! need commitment from both parties!!!
LOVE is no a game...
its a responsibility, commitment, promise and passion...

here come the SEX~making LOVE
its not just a physical contact and activity...
making love/sex require more than just physical movement!!!
we need to feel the other one fully...

its a 2 way process...
both should be satisfied especially the mentality and "feeling"...
2 way need communication, tolerance, understanding and passion from both..

i do not anti sex before marriage...
but dont take it as a game or just a sport!!!
think about your partner/lover before, during and even after the SEX...

LOVE need alot of understanding, tolerance and passion...
same goes with the "make love"...
its might need more than physical ingredient!!

22 years old Alvis Kong suicided after he left leaving a facebook message

what a sad news in the early of the morning i read...
some1 just told me that we have to appreciate and love ourselves at first...
if not,there will be no1 to appreciate and love us...
i always think that anyone of us are deserve to be loved and appreciated by some1...
dont hurt yourself...not worth it!!!



as a man we have more than just a girlfriend to appreciate!!
we have our own family members who love us and we love them too...
parents who spend some many time and effort to raise us up...
friends who care us so much...

dont hurt urself for some1 who not really care about you...
NOT WORTH IT!!!

my dear friend,
i hope you all are strong and wise enough to love yourself regardless to any incident happen on you...
you deserve more than that!!

Yes 4G from YTL

more info:
http://www.yes.my/

**TARCian,
please check ur college email about this YES 4G...
we gt free account for this...

Drive traffic to your blog...

there are many ways to keep ur blog visited by others...
good content...
the right name of ur blog...
ur blog pagerank...
make ur blog famous...

there is another way to get direct impact...
to get more visitor for your blog...
visitor from all around the world...
i get to know this kind of traffic exchange stuff..

http://www.autosurfpro.com/cgi-bin/ref.cgi?r=ttnite
http://www.pureautotraffic.com/cgi-bin/ref.cgi?r=bogey031
http://www.autosurftraffic.com/cgi-bin/ref.cgi?r=bogey031

get instant visitor very soon once u meet the min requirement...
try this up...

Disposing...

Going to UK next June...
not going to bring all the books...
so,disposing most of the book i have...
plan to donate them to TARC's library...



try to donate all these books to library today...
unfortunately,few classmates felt in love with my books...
since some1 got "feel" on them...
i better give it to them la...
only 2 books successfully get into library today...

gonna donate another batch next week...
anyone love to read book,
come to my place and try to grab those books that u like...

TARC's investment interest group

proposed this kinda long time ago...
tried before...but failed at that time...
this year...
we re-launch it...
get support from most of the lecturers and head of school...

special thanks to our TARC's head of SBS Ms.Say...
she helps us to get the venue and give advices...

we started our 1st meet up on 29 Oct 2010...
this is an on going weekly activity...
we discuss the movement of previous week...
any big news in previous week...
then we get into the particular weekly topic..
such as, investment methodology, company evaluation and etc...

this is a platform for us to leverage...
we will benefit from others opinion...
we can have a team of people to do some research on the particular stuff...
hence we can learn from this sharing session faster...
we can absorb more when we listen,see and brain storm...
listen others opinions
see the data shown
and think....

i did not expect to have many people to join us...
cuz this is not an academic program...they cant get cert from here...
cuz this is not a game....
cuz this require extra time...
cuz this is not what most of the TARCian want...

TARC investment interest group is kind of education stuff...
its require us to speak....
require members to think...
**many students hate this!!!

i try to help...
and still believe sharing is the best way to learn and upgrade ourselves...
i will try my best to keep it up...
but final result...still depend on the members...

what i think our current structure will benefit all of us...

1)aware of what happen around the world and malaysia...
finance human need this...we need to get the info and process it then take action accordingly...

2)get to know the real investment environment...
how to use those theory...
the interpretation of numbers...

3)sharpen our thinking...
we get to know other opinions...
brain storm...think...and evaluate our own thought...

4)its help our academic's performance...
assignment need these kind of info and skills...
improve our understanding...

5)we can perform well in the interview room!!!
well prepared with all the needed info and basic skills!!!
*i been through this before!!!

what else we can get from this activity??many more...
bad part of this???
it isn't fun if ur not interested in finance and invesment!!!
you loss alot if ur not interested



i want quality more than the quantity!!!

Chinese of the Malaysia

our prime minister, Najib know MALAYSIA very well...
Malaysian consist of 3 main races!!!
Malay, Chinese and India!!

those extreme racist...
please clear ur brain with plaint water...
in Malaysia,
we need each and other...
no "race" is an island!!!!

be open minded!!!

New Spec

this stuff cost me almost 300 and hurt my wallet so much...
what to do...
have to change dy...

last spec last for around 3 years if i not mistaken...
wish this 1 will be with be more than 2 years ba...