Yesterday, when I visit my client place for a project discussion in one of the large company, i sit at the client's place to wait for her for a discussion.
While i am waiting for her, i am looking around in her office, i saw many staff sitting at their workplace to work very hard.
Suddenly, there is a statement run through my mind, i was thinking, on weekdays, from 8:00am in the morning till 6:00pm in the evening, most of the adults in our country will disappeared on the street , in the mall.
Why? Why they will disappeared from 8am to 6pm?
This is because most of them are working at company. To earn a living, the easiest way is to work for someone. That's the reason why most of the adults disappeared from 8am to 6pm.
The fact is that working at company take out 1/3 of our time in a day.
Can we do something different and still earn a living?
Is life just working working working?
Wednesday, August 6, 2008
Thursday, July 31, 2008
何为自然定律??? vs 何为对与错??
人们如何去分辨对与错呢?
是不是因为大部份的人对某件事情抱着同样的心态而去归纳事情的对与错呢?
以统计学的理论来看,占总数大部份的会被视为主导,而往往小部份将会被忽略。 折就是人们常说的少数服从多数。
在这个世界上并没有所谓的对与错,每个人都有一把隐形的尺, 而这把尺往往都会用来衡量别人,却不是用来衡量自己。
当两把相同的尺遇见对方,这常会被称为志同道合。
当两把不同的尺遇见对方,这常会被称为道不同,不相为某。
对与错, 就在呼你如何应用这把万能的隐形尺。
真正明白事理的人会用自己的隐形尺来衡量自己,同时也能够以自己的隐形尺来改变别人的衡量的尺度,这才是真正的高明啊!!!
何为自然定律?
自然定律并没有所谓的对与错。事情的自然发展就是定律,而不会受到外来因数的影响而改变。
是不是因为大部份的人对某件事情抱着同样的心态而去归纳事情的对与错呢?
以统计学的理论来看,占总数大部份的会被视为主导,而往往小部份将会被忽略。 折就是人们常说的少数服从多数。
在这个世界上并没有所谓的对与错,每个人都有一把隐形的尺, 而这把尺往往都会用来衡量别人,却不是用来衡量自己。
当两把相同的尺遇见对方,这常会被称为志同道合。
当两把不同的尺遇见对方,这常会被称为道不同,不相为某。
对与错, 就在呼你如何应用这把万能的隐形尺。
真正明白事理的人会用自己的隐形尺来衡量自己,同时也能够以自己的隐形尺来改变别人的衡量的尺度,这才是真正的高明啊!!!
何为自然定律?
自然定律并没有所谓的对与错。事情的自然发展就是定律,而不会受到外来因数的影响而改变。
Tuesday, July 8, 2008
My House Renting Experience
I have a house for rental purpose. This is an apartment located at 5th floor with lift service. When the time i purchase this unit, it cost me RM80,800.00 all the way back to year 2003. The apartment took 3 years to develop and ready in year 2006. With the house handed to buyer on January 2006, i went on to fix up the lights, fan and grille. There after, the house is ready for rental.
At that time, the rental at that area is just RM500.00 per month. I engage a property agent to rent out the house. In April 2006, I managed to rent out the house to a couple who are also bought an apartment but not ready yet, so they end up renting my apartment. During one and a half year of their stay at my apartment, i am having peace of mind and they are really taking care of my apartment. I October 2007, they decided to stop renting my house because their own apartment is ready to move in.
Right after they move out my house, I am engaging another property agent to rent out my house. This time, the agent get me three local people from east borneo who giving me lot of problems. First of all, the agent not doing a good job, the agent just want to earn my commission. The agent not even sign on the tenancy agreement as witness (she suppose to be the witness). She managed to get the agreement stamping with her signature.
Secondly, the tenant playing a fool on me, the simply transfer my apartment to another tenant with my notice and concent. The worst case is that they never pay the rental until i walk up to my own apartment and look for the "people" who stay inside my apartment illegally.
At first, the people who stay inside my apartment want to sign a new agreement with me to start another tenancy relationship, but, one week down the road, they refuse to provide me their information for agreement preparation and paying me the security deposit at standard tenancy procedure. At last, those people agreed to left my apartment and left with lot's of rubbish. Causing my apartment so so so dirty.
Now, i am engaging the previous good property agent to help me to rent out my apartment.
This is my great experience in renting out my apartment. But i will not giving up do this.....my interest is to own as many rental apartment as possible to free myself financially. My target is to own 10 rental apartments.
Hope this can be achieved as soon as possible.
At that time, the rental at that area is just RM500.00 per month. I engage a property agent to rent out the house. In April 2006, I managed to rent out the house to a couple who are also bought an apartment but not ready yet, so they end up renting my apartment. During one and a half year of their stay at my apartment, i am having peace of mind and they are really taking care of my apartment. I October 2007, they decided to stop renting my house because their own apartment is ready to move in.
Right after they move out my house, I am engaging another property agent to rent out my house. This time, the agent get me three local people from east borneo who giving me lot of problems. First of all, the agent not doing a good job, the agent just want to earn my commission. The agent not even sign on the tenancy agreement as witness (she suppose to be the witness). She managed to get the agreement stamping with her signature.
Secondly, the tenant playing a fool on me, the simply transfer my apartment to another tenant with my notice and concent. The worst case is that they never pay the rental until i walk up to my own apartment and look for the "people" who stay inside my apartment illegally.
At first, the people who stay inside my apartment want to sign a new agreement with me to start another tenancy relationship, but, one week down the road, they refuse to provide me their information for agreement preparation and paying me the security deposit at standard tenancy procedure. At last, those people agreed to left my apartment and left with lot's of rubbish. Causing my apartment so so so dirty.
Now, i am engaging the previous good property agent to help me to rent out my apartment.
This is my great experience in renting out my apartment. But i will not giving up do this.....my interest is to own as many rental apartment as possible to free myself financially. My target is to own 10 rental apartments.
Hope this can be achieved as soon as possible.
Monday, July 7, 2008
Live your life fully, enjoy life, cherish life
Taking my lunch time to relax myself and checking my email. There is a mail sitting at the top of the list with the title "very meaningful article, must read.". I have seen this kind of forwarded mail and and always having this kind of header. With no expectation, i open up the mail and have a read on it.
When i start reading the mail, i found that i have read this mail sometime ago, just the through out the years, i have forgotten it.
This forwarded mail is mainly talking about a story of a man who just lost her wife because her wife passed away. This man found that there is a scarf in the wardrobe when he packing his wife's belongings. This is a brand new scarf even with the price tag still attached to it. The man recalled that this was the scarf that his wife like it very much and she bought it during their last vacation in New York. She like it very much and she told the man that she will use it during the special occasion back then. Till now, the scarf still kept inside the wardrobe and remain untouch, but his wife already not with him anymore.
This story gives me a punch on my head and wake me up. This is a really meaningful article to me.
In life, we always deferred in doing things, for example,
- sometime you wish to say I love you to your wife, but you think you can say it tomorrow
- sometime you wish to hug your children, but you think you can hug them the next day
- sometime you wish to meet up your friend, but you think you can see them the next reunion
- sometime you wish to see your parents, but you think you can see them the next time
- etc etc etc...
Besides, sometime you also think that the best wine that we bought can leave it to a special event then only consume it with you lover, but, when is your special event? when is your special moment? how long you have to wait before you come to this special moment?
So, live your life as if there is no tomorrow. Live your life as everyday is a special day, every moment is a special moment for you. Enjoy the life and cherish your life.
Not to suffer yourself for living your life. Not worth suffer your life. We live in this world for merely 100 years (assume the max.). Why have to suffer yourself? enjoy your life, enjoy every moment in life.
If you want to say I love you to your wife or girlfriend, just say it out loud and express your feeling to her. Same thing goes to your husband or boyfriend for ladies...
Happy or sad, you still have to live your life, why not choose the first option? Live a happy life.
Let's enjoy and cherish our lives........
Cheers!!!
When i start reading the mail, i found that i have read this mail sometime ago, just the through out the years, i have forgotten it.
This forwarded mail is mainly talking about a story of a man who just lost her wife because her wife passed away. This man found that there is a scarf in the wardrobe when he packing his wife's belongings. This is a brand new scarf even with the price tag still attached to it. The man recalled that this was the scarf that his wife like it very much and she bought it during their last vacation in New York. She like it very much and she told the man that she will use it during the special occasion back then. Till now, the scarf still kept inside the wardrobe and remain untouch, but his wife already not with him anymore.
This story gives me a punch on my head and wake me up. This is a really meaningful article to me.
In life, we always deferred in doing things, for example,
- sometime you wish to say I love you to your wife, but you think you can say it tomorrow
- sometime you wish to hug your children, but you think you can hug them the next day
- sometime you wish to meet up your friend, but you think you can see them the next reunion
- sometime you wish to see your parents, but you think you can see them the next time
- etc etc etc...
Besides, sometime you also think that the best wine that we bought can leave it to a special event then only consume it with you lover, but, when is your special event? when is your special moment? how long you have to wait before you come to this special moment?
So, live your life as if there is no tomorrow. Live your life as everyday is a special day, every moment is a special moment for you. Enjoy the life and cherish your life.
Not to suffer yourself for living your life. Not worth suffer your life. We live in this world for merely 100 years (assume the max.). Why have to suffer yourself? enjoy your life, enjoy every moment in life.
If you want to say I love you to your wife or girlfriend, just say it out loud and express your feeling to her. Same thing goes to your husband or boyfriend for ladies...
Happy or sad, you still have to live your life, why not choose the first option? Live a happy life.
Let's enjoy and cherish our lives........
Cheers!!!
Thursday, July 3, 2008
Vacation >>> Record Down My Foot Path
I love travel. I like to travel to overseas country for visiting and experience the local culture. Beside this, i like to take picture as well. Wherever i go, i like to take picture of the location place and keep for my sweet memories. With the advance technology of digital camera and memory card, i am able to capture as many photo as i want wherever i go.
With all the photos i taken from my vacation, i can either produce it into hardcopy photograph or i can store it inside my computer since all photos taken is stored as softcopy. I can futher burn all my photos into DVD for storage purpose or share with my family members or friends. This is the beauty of keeping your photos in softcopy which gives you more flexibility.
Recently, I found a new way to present my photos to my family members and friends. I no longer show them my hardcopy photograph or throwing them my DVD that fully of coftcopy photos. I show it to them by DVD movie. I found out that there is a company which helping their customer to compile all the photos and videos into DVD video montage together with music background. With animation and transition in between photos, it make the whole movie more lively and interactive. My family members and friends are really enjoy the video that playback on the TV since the movie is converted into DVD video format, I can playback from my DVD player. The best of all is that the price is cheap and affordable. This is the best and new method to preserve my photos by converting it into DVD video montage.
I will engage them again for my future vacation and I love the way preserving my precious memories. I just love it. You can visit this website for more information. www.MemoriesCollection.com
With all the photos i taken from my vacation, i can either produce it into hardcopy photograph or i can store it inside my computer since all photos taken is stored as softcopy. I can futher burn all my photos into DVD for storage purpose or share with my family members or friends. This is the beauty of keeping your photos in softcopy which gives you more flexibility.
Recently, I found a new way to present my photos to my family members and friends. I no longer show them my hardcopy photograph or throwing them my DVD that fully of coftcopy photos. I show it to them by DVD movie. I found out that there is a company which helping their customer to compile all the photos and videos into DVD video montage together with music background. With animation and transition in between photos, it make the whole movie more lively and interactive. My family members and friends are really enjoy the video that playback on the TV since the movie is converted into DVD video format, I can playback from my DVD player. The best of all is that the price is cheap and affordable. This is the best and new method to preserve my photos by converting it into DVD video montage.
I will engage them again for my future vacation and I love the way preserving my precious memories. I just love it. You can visit this website for more information. www.MemoriesCollection.com
Labels:
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My Vacation Made Easy, Relax and Personal
I like tavel, I like to travel to overseas country annually to rewards myself. Since I started working, I try my very best to save money for my vacation trip. I try to make my vacation trip once a year, and I am happy for that. So far I have been to a few countries since I started working, those country are as follows,
1.) Philippines
2.) Singapore
3.) South Korea
4.) Australia
5.) Thailand
6.) Sri Langka
7.) Maldives
Through all these countries that I visited, I like to go on my own rather than joining a travel agency which they will organized in group travel. The reason why I like to travel on my own is that I like to spend more time on the place or travel spot that I like, unlike group travel, they are always in a rush from one travel spot to another, this will end up like chasing over time rather than relax and enjoy.
Due to this reason, I always plan for my own vacation, I get a return air ticket to the country I want and I book my own hotel accommodation. On top of that, I do my own research on the place of interest and plan my own itinerary. This will gives me full control of my own time and pace. I will enable me to enjoy fully on my vacation. This is truely MY VACATION.
The booking and research required for,
1.) Air Ticket
Yes, first of all, you need to take a flight to your destination country. If you travel in domestic city, you can take land transport. I always check from my national airlines or destination country national airlines. Depends on the season, for certain period of time, they do offer lower airfare. As for Asian country, there is a low cost carrier in my country that allows me to buy even more cheaper air ticket. This will same my money for other spending on my vacation or cut down my vacation budget. You must book a air ticket with the confirmed date and time in order for your to do the following items.
2.) Accommondation
This is the second thing that you should spend time on research and make sure you get the suitable one for yourself. Suitable means that good location to stay with lower cost. This is because when travel on your own, you have to stay at a place where you can easily get a transport and of course at a cheaper price. Since you are on travel, most of the time you will be out of the room and walking on the street. You just need a room to sleep and rest at night. Luxury hotel is not my target, but safety is always my first concern. Do your homework and find the best place to stay at any city that you plan to visit.
3.) Place of Interest
That's right, this is the most import part of your vacation. First of all, you need to know what are the place of attraction in the country that you targetted on. Next, you need to do indepth research on the place of attraction in terms of distance, time required, entrance fees and transport fees. And lastly, you have to group all your place of attraction and arrange it by day for your flow of visiting, so that you will not waste your time in travelling between places or going through and flo. Cut down the travelling time will rewards you with more time to spend at your place of attraction.
4.) Vacation Itinerary
Finally, once you have all the things in place, it is good to create an itinerary for yourself. This will put down all the information required through out your whole journey. Information including flight schedule and booking information, accommodation arrangement and booking information, your travel route in terms of day and location and background information of the place of attraction will be good to add in as well.
Bingo!!! You get all your things in place, what next? Waiting for your departure day and enjoy your relaxing vacation.
1.) Philippines
2.) Singapore
3.) South Korea
4.) Australia
5.) Thailand
6.) Sri Langka
7.) Maldives
Through all these countries that I visited, I like to go on my own rather than joining a travel agency which they will organized in group travel. The reason why I like to travel on my own is that I like to spend more time on the place or travel spot that I like, unlike group travel, they are always in a rush from one travel spot to another, this will end up like chasing over time rather than relax and enjoy.
Due to this reason, I always plan for my own vacation, I get a return air ticket to the country I want and I book my own hotel accommodation. On top of that, I do my own research on the place of interest and plan my own itinerary. This will gives me full control of my own time and pace. I will enable me to enjoy fully on my vacation. This is truely MY VACATION.
The booking and research required for,
1.) Air Ticket
Yes, first of all, you need to take a flight to your destination country. If you travel in domestic city, you can take land transport. I always check from my national airlines or destination country national airlines. Depends on the season, for certain period of time, they do offer lower airfare. As for Asian country, there is a low cost carrier in my country that allows me to buy even more cheaper air ticket. This will same my money for other spending on my vacation or cut down my vacation budget. You must book a air ticket with the confirmed date and time in order for your to do the following items.
2.) Accommondation
This is the second thing that you should spend time on research and make sure you get the suitable one for yourself. Suitable means that good location to stay with lower cost. This is because when travel on your own, you have to stay at a place where you can easily get a transport and of course at a cheaper price. Since you are on travel, most of the time you will be out of the room and walking on the street. You just need a room to sleep and rest at night. Luxury hotel is not my target, but safety is always my first concern. Do your homework and find the best place to stay at any city that you plan to visit.
3.) Place of Interest
That's right, this is the most import part of your vacation. First of all, you need to know what are the place of attraction in the country that you targetted on. Next, you need to do indepth research on the place of attraction in terms of distance, time required, entrance fees and transport fees. And lastly, you have to group all your place of attraction and arrange it by day for your flow of visiting, so that you will not waste your time in travelling between places or going through and flo. Cut down the travelling time will rewards you with more time to spend at your place of attraction.
4.) Vacation Itinerary
Finally, once you have all the things in place, it is good to create an itinerary for yourself. This will put down all the information required through out your whole journey. Information including flight schedule and booking information, accommodation arrangement and booking information, your travel route in terms of day and location and background information of the place of attraction will be good to add in as well.
Bingo!!! You get all your things in place, what next? Waiting for your departure day and enjoy your relaxing vacation.
Labels:
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雨后依然会有晴天!
今天一大早出门工作,就遇上了棉棉细雨.棉棉细雨会让我的心情有一种底落的感觉.所以我并不太喜欢下雨的感觉.虽然不喜欢下雨的感觉,可是工作还是要做.
在带着一些底落的感觉在公路上驾驶着,突然在街口的转角处,竟然出现了一道漂亮的彩虹划过半个天空.这一道彩虹把我底落的感觉完完全全的消灭了.在彩虹的陪伴下继续我的行程.在没多久后,雨竟然停了,换来的竟是红红的太阳.我的心情又好起来了,爽朗又开心.
所以在人生不如意的时候,我们不需要气馁,因为更美好的明天就在转角处,只要我们继续抱着往前走,往前冲的态度和心情,人生就会更美好.只要我们再坚持多一下,希望就在转角处!
因为,希望就在转角!
因为,雨后依然会有晴天!
因为,只要有心,希望在人间!
因为,世上无难事,只怕无心人!
在带着一些底落的感觉在公路上驾驶着,突然在街口的转角处,竟然出现了一道漂亮的彩虹划过半个天空.这一道彩虹把我底落的感觉完完全全的消灭了.在彩虹的陪伴下继续我的行程.在没多久后,雨竟然停了,换来的竟是红红的太阳.我的心情又好起来了,爽朗又开心.
所以在人生不如意的时候,我们不需要气馁,因为更美好的明天就在转角处,只要我们继续抱着往前走,往前冲的态度和心情,人生就会更美好.只要我们再坚持多一下,希望就在转角处!
因为,希望就在转角!
因为,雨后依然会有晴天!
因为,只要有心,希望在人间!
因为,世上无难事,只怕无心人!
Tuesday, July 1, 2008
Life is not just working !!!
That's right, life is not just working. There are a lot of things waiting for us in our life. Don't spend most of your life time in working, its not worth living this world, its not worth your life.
Your family is waiting for your to accompany
Your lover is waiting for you to love
Your children are waiting for you to care
Your friends are waiting for you to share
The world is waiting for us to explore
The society is waiting for you to contribute
etc, etc, etc........
There are so much things waiting for you to do. Do you able to cope this all these things? Do you have enough time for you to participate?
With so many things waiting for your, how you going to plan itinerary and schedule your time?
Let's see how can we plan our time effectively,
1. Plan your itinerary ahead of time
2. Set a time frame for each task
3. Time yourself
4. Wear a watch, this will make you more aware of time
5. Set alarm for time keeping
6. Be focus and concentrate on every task you do
7. Get enough sleep, so that you will have a fresh and clear mind
8. Not to stress yourself with line up of jobs
Hope this will help you to handle your time more effectively and you will get BONUS time for other purpose.
Your family is waiting for your to accompany
Your lover is waiting for you to love
Your children are waiting for you to care
Your friends are waiting for you to share
The world is waiting for us to explore
The society is waiting for you to contribute
etc, etc, etc........
There are so much things waiting for you to do. Do you able to cope this all these things? Do you have enough time for you to participate?
With so many things waiting for your, how you going to plan itinerary and schedule your time?
Let's see how can we plan our time effectively,
1. Plan your itinerary ahead of time
2. Set a time frame for each task
3. Time yourself
4. Wear a watch, this will make you more aware of time
5. Set alarm for time keeping
6. Be focus and concentrate on every task you do
7. Get enough sleep, so that you will have a fresh and clear mind
8. Not to stress yourself with line up of jobs
Hope this will help you to handle your time more effectively and you will get BONUS time for other purpose.
Monday, June 30, 2008
Why we need to work?
Why we need to work? Do you ever think of this question before?
What is the purpose we go to work? Are you really work to improve your skill? to gain experience? or to earn money?
Nowadays, it is very obvious that people work to earn money rather than other purposes. Yes, we do work for money, we need money to survive, we need money to live, and the conventional way to earn money is to work, work work.
When we first working, of course we are earning for basic salary. Through out the years we do work hard to improve our skills and gain experience. Why we work so hard to improve our skill and gain experience? bottom line, we are look for better prospect to earn more money. With improved skill and greater experience, we are able to demand higher salary when we change our job from one company to another. End of the day, the main purpose to work is to earn money for our living.
So, the harder we work, the more skill and experience we gain, the more skill and experience we have, we are able to demand for higher salary. The higher salary we get, the company will load us with more responsibilities, with increased responsibilities, we get to work even more harder. The more harder we work, the more skill and experience we gain............ when you read till here, do you realize this we are repeating the same process again? Yes, we are going round the same cycle again, this is a never ending cycle when we work.
This is a cycle that we going round and round from the moment we start working, until we retired. In between, how many cycle we go through? this is really depends on your own ability. How fast you can pickup the necessary skill and move on to next cycle.
That's enough for telling you the work life. Let's take ourself one lever up and look back into this work cycle. You will see that we are going round the cycle. From all the cycle that we gone through, do you realized that the more cycle we go through, the more money we will earn, and at the same time, the lesser time we will have for ourself.
That's right. More cycle, more money with less personal time.
From here, you might argue that time is mainly depends on how you organize yourselves. But, in this real world, there is no free lunch, you do have to pay the price to earn more money. In working life, the price that we paid is our time. We trade our time for money.
Let's do a simple calculation and compare........
We assume that we start our career from the age of 22 and retired at the age of 55 (for female could be up to age 50, in this example, we take male for calculation), in total, we have to work for 34 years before we retired.
Take your startup pay as $2,000.00 with yearly flat increment of $300.00 (not taking inflation or compounding into consideration), by the time you work for 2nd year, your salary should become $2,300.00. 3rd year will be $2,600.00 and go on and on till you reach the age of 55. If your salary go by this ratio, by the time you reach 55 years of age, your salary will be $11,900.00. This seems a lot right?
Let's take a halt and look back, the normal working hour in most area in the world is standard to 8 hours per day. Initially when we start our career, we start with 8 hours of work a day, with salary increase, let say we add additional 10 minutes of working time every time company increase your salary for $300.00. So, how many minutes of additional time added to you by the time you reach 55 years old? Let's calculate it, er.......... bingo, its 5.5 hours in additions. Take 5.5 hours add to you normal working hour of 8 hours, you get 13.5 hours. Yes, you got to work 13.5 hours.
Yes, you work for 13.5 hours to earn $11,900.00 every month. Does this worth the money? worth the time you spend? This is quite subjective.
What I am going to tell you is that, with 13.5 hours of work per day, how much time we left for our self? how much time we left for our family? how much time we have for our personal use?
Have you ever thought of this question?
We come back again, take 13.5 working hours, plus 8 hours of sleep (I believed this is the optimum rest hours for human body), we get 21.5 hours in total. Yes, its 21.5 hours.
As all fo us know, we only have 24 hours in a day. From our calculation shown above, working plus rest already taken 21.5 hours, we only left 2.5 hours for our personal use.
Yes, its just 2.5 hours for our personal use, for our family, for ourselves.
Now, do you see what I am trying to tell you? I yet to mention the time you spend on the journey home, shower time, dinner time, etc.
Just take half an hour for traveling home, shower and dinner respectively, the total hours will shoot up to 23 hours. Oh my god, its 23 hours. We only left 1 hour for our family and ourselves.
End of the day, we work so hard to earn money, in turn, we just get to spend 1 hour time with our family or for ourselves. Do you think this is enough? Will your children complain that you not spending enough time with them?
Think again, think again. Is this what we want for our life?
Again, you might argue that you still have Saturday and Sunday to spend with your family, but, after 5 days in intensive work, do you still have enough energy to cope with your family on Saturday and Sunday? How much time you have on this 2 days for you to spend? 48 hours? Not really. Minus the 8 hours of sleeping time for 2 days, you only left 32 hours, 16 hours per day. 32 hours of active time for you and your family. How you going to spend this precious 32 hours with your family or yourself? I think I should stop here, not to memtion your most precious 32 hours that you have every week. You should know how much time you have every week. Some of you even have lesser than 32 hours during weekends. Am I right?
I believed, we should do something for ourselves so that we have more time for ourselves and at the same time we have sufficient money to support our standard of living.
What is the purpose we go to work? Are you really work to improve your skill? to gain experience? or to earn money?
Nowadays, it is very obvious that people work to earn money rather than other purposes. Yes, we do work for money, we need money to survive, we need money to live, and the conventional way to earn money is to work, work work.
When we first working, of course we are earning for basic salary. Through out the years we do work hard to improve our skills and gain experience. Why we work so hard to improve our skill and gain experience? bottom line, we are look for better prospect to earn more money. With improved skill and greater experience, we are able to demand higher salary when we change our job from one company to another. End of the day, the main purpose to work is to earn money for our living.
So, the harder we work, the more skill and experience we gain, the more skill and experience we have, we are able to demand for higher salary. The higher salary we get, the company will load us with more responsibilities, with increased responsibilities, we get to work even more harder. The more harder we work, the more skill and experience we gain............ when you read till here, do you realize this we are repeating the same process again? Yes, we are going round the same cycle again, this is a never ending cycle when we work.
This is a cycle that we going round and round from the moment we start working, until we retired. In between, how many cycle we go through? this is really depends on your own ability. How fast you can pickup the necessary skill and move on to next cycle.
That's enough for telling you the work life. Let's take ourself one lever up and look back into this work cycle. You will see that we are going round the cycle. From all the cycle that we gone through, do you realized that the more cycle we go through, the more money we will earn, and at the same time, the lesser time we will have for ourself.
That's right. More cycle, more money with less personal time.
From here, you might argue that time is mainly depends on how you organize yourselves. But, in this real world, there is no free lunch, you do have to pay the price to earn more money. In working life, the price that we paid is our time. We trade our time for money.
Let's do a simple calculation and compare........
We assume that we start our career from the age of 22 and retired at the age of 55 (for female could be up to age 50, in this example, we take male for calculation), in total, we have to work for 34 years before we retired.
Take your startup pay as $2,000.00 with yearly flat increment of $300.00 (not taking inflation or compounding into consideration), by the time you work for 2nd year, your salary should become $2,300.00. 3rd year will be $2,600.00 and go on and on till you reach the age of 55. If your salary go by this ratio, by the time you reach 55 years of age, your salary will be $11,900.00. This seems a lot right?
Let's take a halt and look back, the normal working hour in most area in the world is standard to 8 hours per day. Initially when we start our career, we start with 8 hours of work a day, with salary increase, let say we add additional 10 minutes of working time every time company increase your salary for $300.00. So, how many minutes of additional time added to you by the time you reach 55 years old? Let's calculate it, er.......... bingo, its 5.5 hours in additions. Take 5.5 hours add to you normal working hour of 8 hours, you get 13.5 hours. Yes, you got to work 13.5 hours.
Yes, you work for 13.5 hours to earn $11,900.00 every month. Does this worth the money? worth the time you spend? This is quite subjective.
What I am going to tell you is that, with 13.5 hours of work per day, how much time we left for our self? how much time we left for our family? how much time we have for our personal use?
Have you ever thought of this question?
We come back again, take 13.5 working hours, plus 8 hours of sleep (I believed this is the optimum rest hours for human body), we get 21.5 hours in total. Yes, its 21.5 hours.
As all fo us know, we only have 24 hours in a day. From our calculation shown above, working plus rest already taken 21.5 hours, we only left 2.5 hours for our personal use.
Yes, its just 2.5 hours for our personal use, for our family, for ourselves.
Now, do you see what I am trying to tell you? I yet to mention the time you spend on the journey home, shower time, dinner time, etc.
Just take half an hour for traveling home, shower and dinner respectively, the total hours will shoot up to 23 hours. Oh my god, its 23 hours. We only left 1 hour for our family and ourselves.
End of the day, we work so hard to earn money, in turn, we just get to spend 1 hour time with our family or for ourselves. Do you think this is enough? Will your children complain that you not spending enough time with them?
Think again, think again. Is this what we want for our life?
Again, you might argue that you still have Saturday and Sunday to spend with your family, but, after 5 days in intensive work, do you still have enough energy to cope with your family on Saturday and Sunday? How much time you have on this 2 days for you to spend? 48 hours? Not really. Minus the 8 hours of sleeping time for 2 days, you only left 32 hours, 16 hours per day. 32 hours of active time for you and your family. How you going to spend this precious 32 hours with your family or yourself? I think I should stop here, not to memtion your most precious 32 hours that you have every week. You should know how much time you have every week. Some of you even have lesser than 32 hours during weekends. Am I right?
I believed, we should do something for ourselves so that we have more time for ourselves and at the same time we have sufficient money to support our standard of living.
Sunday, June 29, 2008
My Saturday at home with YY
How do you spend your Saturday time?
As for me, me and my girlfriend don't have to work on Saturday and Sunday. We spend our Saturday at home by planning our small vacation trip.
Yes, yes, our vacation in year 2008. After round of searching on the internet and low cost carrier website, we decided to go Bali Island in Indonesia.
To be continued........
As for me, me and my girlfriend don't have to work on Saturday and Sunday. We spend our Saturday at home by planning our small vacation trip.
Yes, yes, our vacation in year 2008. After round of searching on the internet and low cost carrier website, we decided to go Bali Island in Indonesia.
To be continued........
Thursday, June 26, 2008
Spend Wisely .....Part 3 - Clothes vs fashion
Oh! That's right. We do need clothes for ourselves. I believed most of you should know when is the best time to get your clothes into your wardrobe. Yes, the best time is during the Mega Sales season. During this season, most of the shop will join the trend to offer discount to customer on their products. In fact, Mega Sales is not only cater for clothes, its cater for most of the products.
Its good to shop around for the clothes that you want during Mega Sales season. You can even plan ahead to get the clothes for your next event or festive season during this period of time. For example, during the Mega Sales in mid year, you can shop for your clothes for your coming festive season like Hari Raya, Deepavali or even Chinese New Year. This will really save your pocket should there be no other sales during the festive season.
Some of you may argue that buying the clothes at this moment might not match the fashion for next few months or during the festive season. For my opinion, this is really subjective. If you know how to mix and match the color and style, you are able to get the best dress for your coming festive season, and buy it cheap at this Mega Sales season.
Its good to shop around for the clothes that you want during Mega Sales season. You can even plan ahead to get the clothes for your next event or festive season during this period of time. For example, during the Mega Sales in mid year, you can shop for your clothes for your coming festive season like Hari Raya, Deepavali or even Chinese New Year. This will really save your pocket should there be no other sales during the festive season.
Some of you may argue that buying the clothes at this moment might not match the fashion for next few months or during the festive season. For my opinion, this is really subjective. If you know how to mix and match the color and style, you are able to get the best dress for your coming festive season, and buy it cheap at this Mega Sales season.
* * * * * * * * * * * * * * * * * * * * * * * * * * * *
(Warning! : This article is solely my personal comments and point of view, you as a reader should only take this as reference and MAKE YOUR OWN DECISION. DO NOT FOLLOW BLINDLY.)
Spend Wisely .....Part 2 - Food
That's right, food price also rise. How can we spend wisely on food? No doubt food is our necessity, we can't live without food.
I am not asking you to cut down the food consumption. You can still eat as usual. What I would like to disucss here is NOT TO WASTE FOOD.
That's right, not to waste food. Some of the people like to choose the food they like to eat and left the one less delicious behind. Take a family as example, mother cook dinner for a family which comprise of four members, father, mother, brother and sister. With three dishes and a soup, this should be more than enough for the family of four, but sometime the brother don't like to eat vege, sister eat less rice and meat becuase want to maintain the body shape, with all the food cooked, if they don't finish it, the left over food is either kept for tomorrow or end up in the bin. If always eating left over food, its not good for the health as well. The best is to enjoy and finish the food they it is first cooked. If no one like to eat the left over food, the only place the left over food will landed is the bin. This is really causing wastage on food.
Farmer hardly plant the padi and harness the rice. When the rice reach your house, you cook it and eat, if you can't finish, you just throw it away, this is really wasting the effort of a farmer. On top of that, nowadays the harness not really doing well, causing the price hike, we have to stop wasting it to stop this bad cycle.
The best way to solve this problem is to plan your meals and enjoy it fully. If you are not going home for dinner, do inform your mother or the one who cook your meal, at least they can cut down the portion when they cook.
If you are not cooking your own meal, when you order food from restaurant, order food that enough for your stomach, not to order accessive food. If you can't finish it, you are wasting the food again.
Remember, cutting the wastage is better than increasing the plantation farm. Cut the wastage will definitely save your pocket.
* * * * * * * * * * * * * * * * * * * * * * * * * * * *
(Warning! : This article is solely my personal comments and point of view, you as a reader should only take this as reference and MAKE YOUR OWN DECISION. DO NOT FOLLOW BLINDLY.)
I am not asking you to cut down the food consumption. You can still eat as usual. What I would like to disucss here is NOT TO WASTE FOOD.
That's right, not to waste food. Some of the people like to choose the food they like to eat and left the one less delicious behind. Take a family as example, mother cook dinner for a family which comprise of four members, father, mother, brother and sister. With three dishes and a soup, this should be more than enough for the family of four, but sometime the brother don't like to eat vege, sister eat less rice and meat becuase want to maintain the body shape, with all the food cooked, if they don't finish it, the left over food is either kept for tomorrow or end up in the bin. If always eating left over food, its not good for the health as well. The best is to enjoy and finish the food they it is first cooked. If no one like to eat the left over food, the only place the left over food will landed is the bin. This is really causing wastage on food.
Farmer hardly plant the padi and harness the rice. When the rice reach your house, you cook it and eat, if you can't finish, you just throw it away, this is really wasting the effort of a farmer. On top of that, nowadays the harness not really doing well, causing the price hike, we have to stop wasting it to stop this bad cycle.
The best way to solve this problem is to plan your meals and enjoy it fully. If you are not going home for dinner, do inform your mother or the one who cook your meal, at least they can cut down the portion when they cook.
If you are not cooking your own meal, when you order food from restaurant, order food that enough for your stomach, not to order accessive food. If you can't finish it, you are wasting the food again.
Remember, cutting the wastage is better than increasing the plantation farm. Cut the wastage will definitely save your pocket.
* * * * * * * * * * * * * * * * * * * * * * * * * * * *
(Warning! : This article is solely my personal comments and point of view, you as a reader should only take this as reference and MAKE YOUR OWN DECISION. DO NOT FOLLOW BLINDLY.)
Spend Wisely .....Part 1 - Gasoline = Fuel = Petrol
Now a days with the hike on petrol price and inflation, but our salary (for employee) remain unchanged, how can we spend wisely? how can we control our personal finance to beat the inflation and petrol?
The prerequisite for spending wisely is to fulfill our basic needs of:
1.) Health
2.) Food
3.) Dress
4.) Stay
Do not cut on these prerequisite to save money. This is not worth the savings.
I would like to highlight a few points that we can aware of in our daily life:
1.) Gasoline (Petrol, Fuel)
Yes petrol, yes, this is what we are most concered for car owner. With the price of RM2.70 per litre, how can we save on our petrol cost? From my own reading from newspaper, web and together with my own experience, i strongly believed that the following method will help you to save some of your petrol cost and your monthly expenses.
1.1) The way you pump petrol
First of all, let's talk about how you pump petrol at petrol station. Nromally when you find that your car is low in gasoline, you will drive your car to petrol station and park you car infront of the pump station. Get yourself out of the car and make a payment (either cash at the cashier counter or credit card at the pump station). Once payment is made, you will take the pump gun and put the host into your petrol tank and stat filling the petrol. You will use the PRESS LOCK at the pump gun for auto filling. While the pump gun is auto filling, you probably will wash your windscreen or look around and relax. Once you get your tank filled, you will drive off the petrol station and continue your journey.
Is this what you always do? I believed most of the driver do.
The catch is at the PRESS LOCK. Nowadays most of the driver will use the PRESS LOCK at the pump gun for refilling petrol. This PRESS LOCK is very helpful for driver because you don't have to use your hand to hold the pump gun press to refill the petrol. If you use your hand to hold it, by the time you get your tank brim-full, you hand will get tired. This is the reason why they provide a PRESS LOCK at all pump gun.
The pump host is about 1 inch and when you pump petrol, the petrol will come along with air coming out from teh pump host, the harder you press on the pump, the petrol will flow faster together with air. Petrol with air will be pumped into your tank. With such a small tank inlet, how fast air can flow out from the tank when petrol is filling in? To overcome this, you try to press softer, not to totally press the pump, this will make the petrol flow slower, in turn, the air can slowly get out from the tiny tank inlet. I have tried this method, it gives me more petrol into my tank, this means that you pay less to get the same amount of petrol into your tank. From my unofficial calculation, I do save RM3 to RM5 each time.
Besides, try to pump petrol in the morning. From my reading on one of the email, petrol do react to temperature, when the temperature increase, the fuel particle (not sure what is the real name for this) will expand. If you pump in the afternoon with higher temperature compared to morning, you might get less fuel with the same amount of money you pay.
There is one more knowledge i learnt from F1 racing. The more fuel you pump into your vehicle, the heavier your vehicle will be, once your vehicle get heavier, you need to burn more fuel in order to get your vehicle moving. This is because fuel carries weight.
So, the key points are:
a.) Do not fully press the pump gun
b.) Refill petrol in the morning
c.) Don't pump full tank everytime
1.2) The way you drive your car
The way you drive your car will directly affect the fuel consumption of your car. If you like speed, you like to drive fast, first of all, I would like to tell you that the faster you drive, the higher the risk you exposed to. I will still recommend you to drive within the speed limit. Safety always come first. Secondly, the faster you drive, the more fuel will be burnt inside your engine.
The car require more fuel when the engine trying to get your car moving from static position (initial movement). So, everytime when you move your car, this is the time your engine burn more fuel. If you do realize, when you stuck in a traffic jam with slow moving of your car, you get burnt more fuel during this period of time. This is because your car will move a little bit then stop, then move again. Most of the time your car going through the process of initial movement.
Besides, when you are driving, try to maintain the constant speed of your car. Do not suddenly speed up or reduce speed. This is because when you suddenly increase your car speed, engine require additional power to speed up, this will consume more fuel for your engine. Same thing apply, when you suddenly reduce speed, your care slow down, in order to get back to the normal speed you usually drove, you need to speed up again, this repeat the one i mentioned previously.
So, the key points are:
a.) Do not speeding
b.) Avoid traffic jam
c.) Maintain constant speed
1.3) The way you plan your journey
This is the third section that I would like to discuss about. This is mainly talking about your ability to plan your route and journey. Normally when we want to go some places, we will always have a default route in our mind and most of the time we will follow that default route to our destination. If half way down the road you found out that your default route is full of cars and getting jam, you will try to find alternative route to your destination. Now you are on your alternative route. If you found that your alternative route is jam with cars a few minutes after you turn into this route, you will try to find second alternative route again. This end up you are going a big round before you reach your destination.
As all of us know, the road in town or city will get congested at certain time like morning when everyone get to work or in the evening when everyone rush home to enjoy their family time. These are the peak period that a lot of cars will be running on the road and most of the time will get stuck or jam at the bottle neck area like traffic light, area leading to less car lanes, not to mention if there is a accident on your way home. All these are the root cause of traffic jam.
So, as long as you stuck in the jam, you are wasting your fuel. Fuel get burnt faster and you got to refill more frequent. The more frequent you refill, the more expenses you incurred.
There are a few things you can do to overcome this and help you to save a little bit.
So, let's get straight to the key points:
a.) Plan your journey and route
b.) Plan your timing on the road to avoid peak period
c.) Listen to radio for road traffic status report (available during peak period)
d.) Read newspaper for events and functions (sometimes road will be closed for events)
e.) Meet half way. (If possible, both parties drive half of the journey to meet up.)
f.) Access on alternative from driving (possible to take a bus or LRT?)
I hope these small little tips will be able to help you to spend wisely on your fuel expenses. If you have better suggestions, please do not hesitate to leave your comments here. Thanks.
Beside saving your pocket, you are helping to make our environment greener and saving our planet.
* * * * * * * * * * * * * * * * * * * * * * * * * * * *
(Warning! : This article is solely my personal comments and point of view, you as a reader should only take this as reference and MAKE YOUR OWN DECISION. DO NOT FOLLOW BLINDLY.)
The prerequisite for spending wisely is to fulfill our basic needs of:
1.) Health
2.) Food
3.) Dress
4.) Stay
Do not cut on these prerequisite to save money. This is not worth the savings.
I would like to highlight a few points that we can aware of in our daily life:
1.) Gasoline (Petrol, Fuel)
Yes petrol, yes, this is what we are most concered for car owner. With the price of RM2.70 per litre, how can we save on our petrol cost? From my own reading from newspaper, web and together with my own experience, i strongly believed that the following method will help you to save some of your petrol cost and your monthly expenses.
1.1) The way you pump petrol
First of all, let's talk about how you pump petrol at petrol station. Nromally when you find that your car is low in gasoline, you will drive your car to petrol station and park you car infront of the pump station. Get yourself out of the car and make a payment (either cash at the cashier counter or credit card at the pump station). Once payment is made, you will take the pump gun and put the host into your petrol tank and stat filling the petrol. You will use the PRESS LOCK at the pump gun for auto filling. While the pump gun is auto filling, you probably will wash your windscreen or look around and relax. Once you get your tank filled, you will drive off the petrol station and continue your journey.
Is this what you always do? I believed most of the driver do.
The catch is at the PRESS LOCK. Nowadays most of the driver will use the PRESS LOCK at the pump gun for refilling petrol. This PRESS LOCK is very helpful for driver because you don't have to use your hand to hold the pump gun press to refill the petrol. If you use your hand to hold it, by the time you get your tank brim-full, you hand will get tired. This is the reason why they provide a PRESS LOCK at all pump gun.
The pump host is about 1 inch and when you pump petrol, the petrol will come along with air coming out from teh pump host, the harder you press on the pump, the petrol will flow faster together with air. Petrol with air will be pumped into your tank. With such a small tank inlet, how fast air can flow out from the tank when petrol is filling in? To overcome this, you try to press softer, not to totally press the pump, this will make the petrol flow slower, in turn, the air can slowly get out from the tiny tank inlet. I have tried this method, it gives me more petrol into my tank, this means that you pay less to get the same amount of petrol into your tank. From my unofficial calculation, I do save RM3 to RM5 each time.
Besides, try to pump petrol in the morning. From my reading on one of the email, petrol do react to temperature, when the temperature increase, the fuel particle (not sure what is the real name for this) will expand. If you pump in the afternoon with higher temperature compared to morning, you might get less fuel with the same amount of money you pay.
There is one more knowledge i learnt from F1 racing. The more fuel you pump into your vehicle, the heavier your vehicle will be, once your vehicle get heavier, you need to burn more fuel in order to get your vehicle moving. This is because fuel carries weight.
So, the key points are:
a.) Do not fully press the pump gun
b.) Refill petrol in the morning
c.) Don't pump full tank everytime
1.2) The way you drive your car
The way you drive your car will directly affect the fuel consumption of your car. If you like speed, you like to drive fast, first of all, I would like to tell you that the faster you drive, the higher the risk you exposed to. I will still recommend you to drive within the speed limit. Safety always come first. Secondly, the faster you drive, the more fuel will be burnt inside your engine.
The car require more fuel when the engine trying to get your car moving from static position (initial movement). So, everytime when you move your car, this is the time your engine burn more fuel. If you do realize, when you stuck in a traffic jam with slow moving of your car, you get burnt more fuel during this period of time. This is because your car will move a little bit then stop, then move again. Most of the time your car going through the process of initial movement.
Besides, when you are driving, try to maintain the constant speed of your car. Do not suddenly speed up or reduce speed. This is because when you suddenly increase your car speed, engine require additional power to speed up, this will consume more fuel for your engine. Same thing apply, when you suddenly reduce speed, your care slow down, in order to get back to the normal speed you usually drove, you need to speed up again, this repeat the one i mentioned previously.
So, the key points are:
a.) Do not speeding
b.) Avoid traffic jam
c.) Maintain constant speed
1.3) The way you plan your journey
This is the third section that I would like to discuss about. This is mainly talking about your ability to plan your route and journey. Normally when we want to go some places, we will always have a default route in our mind and most of the time we will follow that default route to our destination. If half way down the road you found out that your default route is full of cars and getting jam, you will try to find alternative route to your destination. Now you are on your alternative route. If you found that your alternative route is jam with cars a few minutes after you turn into this route, you will try to find second alternative route again. This end up you are going a big round before you reach your destination.
As all of us know, the road in town or city will get congested at certain time like morning when everyone get to work or in the evening when everyone rush home to enjoy their family time. These are the peak period that a lot of cars will be running on the road and most of the time will get stuck or jam at the bottle neck area like traffic light, area leading to less car lanes, not to mention if there is a accident on your way home. All these are the root cause of traffic jam.
So, as long as you stuck in the jam, you are wasting your fuel. Fuel get burnt faster and you got to refill more frequent. The more frequent you refill, the more expenses you incurred.
There are a few things you can do to overcome this and help you to save a little bit.
So, let's get straight to the key points:
a.) Plan your journey and route
b.) Plan your timing on the road to avoid peak period
c.) Listen to radio for road traffic status report (available during peak period)
d.) Read newspaper for events and functions (sometimes road will be closed for events)
e.) Meet half way. (If possible, both parties drive half of the journey to meet up.)
f.) Access on alternative from driving (possible to take a bus or LRT?)
I hope these small little tips will be able to help you to spend wisely on your fuel expenses. If you have better suggestions, please do not hesitate to leave your comments here. Thanks.
Beside saving your pocket, you are helping to make our environment greener and saving our planet.
* * * * * * * * * * * * * * * * * * * * * * * * * * * *
(Warning! : This article is solely my personal comments and point of view, you as a reader should only take this as reference and MAKE YOUR OWN DECISION. DO NOT FOLLOW BLINDLY.)
Tuesday, June 24, 2008
Monday, June 23, 2008
YY I Love You Blog
Yeah! Finally get myself up with a blog.
This blog is mainly for my girlfriend, YY.
Ha Ha!!! You don't have to spend time to figure out who is YY. You just have to enjoy our story and share with us. All of you are welcome.
This blog is mainly for my girlfriend, YY.
Ha Ha!!! You don't have to spend time to figure out who is YY. You just have to enjoy our story and share with us. All of you are welcome.
对了!!!真的好开心。。。
这个部落格主要是为我的爱人,YY,所设的。。。。。
你不必费神去猜谁是YY,你只要尽情的阅读我们的爱情故事。同时我们也欢迎你的分享。谢谢!
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