=D
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Friday, October 30, 2009
Wednesday, October 21, 2009
Inspirational Quotes
School is tough but what keeps one going?
Some food for thought.
For those of you who repeatedly fail to keep a positive outlook in life,
Life is 10% what it gives you and 90% how you respond to it.
Ships are safe in the harbour, but that's not what they are meant for.
It is not how hard you hit, but how hard you get hit and the strength to move on.
An investment in knowledge always pays the best interest. -Benjamin Franklin
Attended a hedge fund talk today. Learnt quite a few stuff. Love toastmasters and E.Y.E! Oh yes, had fun celebrating someone's birthday today! Back to late night mugging.
Friday, October 16, 2009
Crazy
OMG OMG OMG OMG OMG OMG OMG OMG OMG OMG OMG OMG
School is so busy to the point that i can't find time to blog. OK, more like an excuse because i do not know what to blog about.
Life simply revolves around school, eat, study, sleep, traveling, presentations, projects and undoable exams. My whole face is plagued with acne cause i am really stressed and i don't always get enough sleep.
At least i have great friends whom i care about very much. They always never fail to brighten me up in times of gloom.
And i got a great mum who takes care of all my needs so that i can devote my time to my studies! love her! And kudos to my cute sister who always delight me with her cute puzzling actions. I gonna snatch your bolster and blanket you if you are reading this. Muhahaha. Dad is wonderful too! Cause he works as hard as me!
Gratitude is the reason why i am here.
On a side note, there is this angel. The mere sight of her softens me. Her voice mesmerises me and her laughter causes me to cringe. Emotions abound. How interesting.
Life is wonderful.
Wednesday, June 10, 2009
Money woes + I feel dumb
Uni is starting and that's often the time when the harsh revelation hits you hard---the exorbitant school fees!
I do not come from a well-to-do family and this tuition fees that amount to 32k plus will definitely put a toll on my parents. Blame it on the fact that my results are unable to secure a scholarship. Blame it on my stupidity. Sometimes, i really wish i can score better and get a bond free scholarship so as to ease my family's financial burden.
Tertiary school fees are really way too expensive! I really hope the government can subsidise more of our local uni fees! The foreign students have it much better. Everything is sponsored for their education here and they are only required to serve their 3 years bond upon graduation. No offence here please..we cannot deny the fact that foreign talents are important to Singapore, but i want to bring across my point which is more can be done to reduce local tertiary school fees...definitely more. :)
Enough of the gripes and instead of wallowing in my self-pity, I better start to think of some solutions. I know of the various help avenues present out there...Ok i am dumb i know, but not to the point to neglect help opportunites. As my parents' CPF accounts do not have much money, it looks like getting a bank loan is the way to go. The bad thing about bank loan is that the interest rate is way higher.
On my part, i am working my ass off giving tuitions here and there. Weekends are often burnt doing tuitions, but i really need the income. I do not want to graduate and be in debt just because i havn't repaid my loan. That sucks. Imagine working the 1st few years just to repay debts. Wait a minute..can i even be guaranteed a job in the 1st place?
Sigh. Still need to spend on laptops etc. etc. The list just never seems to end.
I do not come from a well-to-do family and this tuition fees that amount to 32k plus will definitely put a toll on my parents. Blame it on the fact that my results are unable to secure a scholarship. Blame it on my stupidity. Sometimes, i really wish i can score better and get a bond free scholarship so as to ease my family's financial burden.
Tertiary school fees are really way too expensive! I really hope the government can subsidise more of our local uni fees! The foreign students have it much better. Everything is sponsored for their education here and they are only required to serve their 3 years bond upon graduation. No offence here please..we cannot deny the fact that foreign talents are important to Singapore, but i want to bring across my point which is more can be done to reduce local tertiary school fees...definitely more. :)
Enough of the gripes and instead of wallowing in my self-pity, I better start to think of some solutions. I know of the various help avenues present out there...Ok i am dumb i know, but not to the point to neglect help opportunites. As my parents' CPF accounts do not have much money, it looks like getting a bank loan is the way to go. The bad thing about bank loan is that the interest rate is way higher.
On my part, i am working my ass off giving tuitions here and there. Weekends are often burnt doing tuitions, but i really need the income. I do not want to graduate and be in debt just because i havn't repaid my loan. That sucks. Imagine working the 1st few years just to repay debts. Wait a minute..can i even be guaranteed a job in the 1st place?
Sigh. Still need to spend on laptops etc. etc. The list just never seems to end.
Sunday, May 31, 2009
Grave of the fireflies
I watched an animated movie titled "Grave of the fireflies" together with my sister this evening on her laptop. It was a 1988 japanese animation which spoke of a heartwarming tale about two japanese orphaned siblings who had to cope with the harsh life during the 2nd world war. It was really an emotional and poignant film which at times moved me to tears. Couldn't help it, the movie was just so freaking sad. Had a hard time trying to conceal my sadness from my sister..didn't want her to mock at me you know.
The movie basically focuses on the lives of the two protagonists - a teenage boy and a four year old sister who became orphans after their mum was killed in a bomb raid in Kobe. Together they strived to survive on the war streets amid widespread famine and the callous indifference of their fellow countrymen. Yet, harsh circumstances eventually took their toll on them and they finally succumbed to malnutritution and death.
The movie is in fact based on a semi-autobiograhic novel of a real japanese who survived the war but lost her beloved sister to starvation. He wrote the novel in order to alleviate his pains and also to make his amends for his sister. It just goes to show that life can be fragile and how a senseless war can cause the sufferings of so many innocent individuals. And with the North Korea issue making the headlines every so often, who knows when the next war will commence and claim the lives of many.
A really touching movie. So powerful to the point i blog about it.
Tuesday, May 26, 2009
Noing much..really
TP stint has ended. Life has basically reverted to the usual slacking mod. Find myself with simply too much time these days! I wouldn't say this is bad, because i have been indulging in things that i really like which i haven't had time to do them in the past.
School is starting soon and this will also mean a new phase of my life. Wonder how it will turn up to be. Gonna be optimistic though. =)
Enjoying and living my carefree life currently and accordingly to the adage:
人生短短几个秋啊 不醉不罢休。
That's all folks.
School is starting soon and this will also mean a new phase of my life. Wonder how it will turn up to be. Gonna be optimistic though. =)
Enjoying and living my carefree life currently and accordingly to the adage:
人生短短几个秋啊 不醉不罢休。
That's all folks.
Thursday, March 26, 2009
Mindless working
My schedule has never been so hectic before. I feel that sometimes, people pack themselves with so much obligations that they are unable to find time for anything else at all. That's what is happening to me precisely. My life currently revolves around work and i really mean work only, turning me into a lifeless machine and at times, reducing me to the point of incapacity.
Mindless working has not proved to be without any meaning at all. I manage to derive many satisfactions and fulfillment, and it feels good because i know that i am making myself useful. I have made some new friends, gained many invaluable experiences and learnt many new things along the way. Of course, there is still the joy and ecstasy of receiving the pay slips for all the hard work that one puts in. I really need the income to help finance my university tuition fees and also some courses that i have signed up.
Another huge change in my life is that i have started to drive to work every morning and it is not any ordinary car mind you! It is an old silvery toyota pickup! That's because my dad is a carpenter and i think it's really cool to drive a pickup as compared to a car as it requires more skills. However, i must confess that there is nothing good about driving a truck. The truck's tail is long and you have to constantly bear in mind that you have to make a wider turn in order to avoid the risk of hitting its tail. Once, i was maneuvering the pickup in a narrow carpark and i scratched its tail against a pillar because i didn't make a wide enough turn. That was really noobish driving and i still feel bad about it although it has been weeks since the freak incident. Yet, my dad didn't really reprimand me and told me that driving is like learning a skill, it will be good only with sufficient practice.
Jobs aside, i have tried to make time to pursue my own stuff despite my heavy workload. I am glad that i have passed my M5 test despite my ignorance. Well, i don't think that i should deserve to pass as i havn't really revised for it. Haha. Gonna start on M7 soon :). As for jap, i have completed basic 1 course, gonna embark on basic 2. Ganbatte!
Mindless working has not proved to be without any meaning at all. I manage to derive many satisfactions and fulfillment, and it feels good because i know that i am making myself useful. I have made some new friends, gained many invaluable experiences and learnt many new things along the way. Of course, there is still the joy and ecstasy of receiving the pay slips for all the hard work that one puts in. I really need the income to help finance my university tuition fees and also some courses that i have signed up.
Another huge change in my life is that i have started to drive to work every morning and it is not any ordinary car mind you! It is an old silvery toyota pickup! That's because my dad is a carpenter and i think it's really cool to drive a pickup as compared to a car as it requires more skills. However, i must confess that there is nothing good about driving a truck. The truck's tail is long and you have to constantly bear in mind that you have to make a wider turn in order to avoid the risk of hitting its tail. Once, i was maneuvering the pickup in a narrow carpark and i scratched its tail against a pillar because i didn't make a wide enough turn. That was really noobish driving and i still feel bad about it although it has been weeks since the freak incident. Yet, my dad didn't really reprimand me and told me that driving is like learning a skill, it will be good only with sufficient practice.
Jobs aside, i have tried to make time to pursue my own stuff despite my heavy workload. I am glad that i have passed my M5 test despite my ignorance. Well, i don't think that i should deserve to pass as i havn't really revised for it. Haha. Gonna start on M7 soon :). As for jap, i have completed basic 1 course, gonna embark on basic 2. Ganbatte!
Sunday, February 15, 2009
Life After Army
It has been quite some time since i ORD in November 08. Haven't really gotten an 8 to 5 job though but i am currently working part-time at a tuition centre as an educator and also giving private tuitions to earn some allowances. Of course, i will still jump at any opportunity that offers me an admin job. It's more for the experience rather than the pay.i have tried agencies like Recruit Express and Temasek Poly but to no avail.
The huge pluses of my current teaching job are that the pay per hour is substantially greater and the work is also much more meaningful compared t0 a dull full time clerical job like data entry. I really enjoy the interactions with the students very much as they will often provide me with glimpses into the cute and innocent life that i once used to have. The best of all, i have a lot of free time to myself! Haha. Some people wondered why i didn't try to do relief teaching. I did apply! But no school has called me up as of now. :( Some of my luckier friends who did the same things as me were even offered a contract to teach at schools for months! So envious!
I am going to use the free time i have to do some self-improvement before school starts. Next week, i am going to sit for my CMFA M5 (Rules and Regulations for Financial Advisory Services) exam. It's a basic exam one needs to take before one can offer financial advices. This is a self-study thing and I figure i would go sit for it in order to learn more about products like insurance. :) Passing a few of these modules will enable one to provide advisory services like an insurance agent. I havn't really thought of becoming an agent though. It's more for the knowledge that i would like to gain. :)
I also won't neglect the jap studies that i am currently having too.
The huge pluses of my current teaching job are that the pay per hour is substantially greater and the work is also much more meaningful compared t0 a dull full time clerical job like data entry. I really enjoy the interactions with the students very much as they will often provide me with glimpses into the cute and innocent life that i once used to have. The best of all, i have a lot of free time to myself! Haha. Some people wondered why i didn't try to do relief teaching. I did apply! But no school has called me up as of now. :( Some of my luckier friends who did the same things as me were even offered a contract to teach at schools for months! So envious!
I am going to use the free time i have to do some self-improvement before school starts. Next week, i am going to sit for my CMFA M5 (Rules and Regulations for Financial Advisory Services) exam. It's a basic exam one needs to take before one can offer financial advices. This is a self-study thing and I figure i would go sit for it in order to learn more about products like insurance. :) Passing a few of these modules will enable one to provide advisory services like an insurance agent. I havn't really thought of becoming an agent though. It's more for the knowledge that i would like to gain. :)
I also won't neglect the jap studies that i am currently having too.
Sunday, January 25, 2009
Happy 牛 Year!
新年新气象！ 我要在这里祝各位新年快乐！万事如意！五福临门！恭喜发财！
今年跟往年不一样，我一家人没回霹雳州老乡拜年。由于我所有爸爸妈妈的亲戚朋友都居住在马来西亚，只有我的家庭这一边是新加坡公民， 因此今年可没年拜和红包拿了。
也因为空闲得很，所以新年初一的下午就来这里写博客了。由于元旦节没有好好地计划，也是该时候计划未来的时候了。
我希望在新的一年里。。
1）家人和自己平安，身体平安，事业顺利。
2）自己多快了些。
3）努力考取到JLPT4
4）学业顺利
5）跟妈妈学些烹饪手法。
６）提高自己英语演讲能力。
７）锻炼体力。
８）学说福州及福建方言
竟然不知不觉把自己的欲望更计划混在一起。真的好贪心。
今年跟往年不一样，我一家人没回霹雳州老乡拜年。由于我所有爸爸妈妈的亲戚朋友都居住在马来西亚，只有我的家庭这一边是新加坡公民， 因此今年可没年拜和红包拿了。
也因为空闲得很，所以新年初一的下午就来这里写博客了。由于元旦节没有好好地计划，也是该时候计划未来的时候了。
我希望在新的一年里。。
1）家人和自己平安，身体平安，事业顺利。
2）自己多快了些。
3）努力考取到JLPT4
4）学业顺利
5）跟妈妈学些烹饪手法。
６）提高自己英语演讲能力。
７）锻炼体力。
８）学说福州及福建方言
竟然不知不觉把自己的欲望更计划混在一起。真的好贪心。
Sunday, January 18, 2009
无聊
人总是希奇的动物。虽然能思考，却容易被情绪操控。人一但有太多感情，就会做出不理智的决定。所谓感情用事，就是指凭一时感情冲动而处理问题。
举几个例子吧。
例1：有人突然逝世。它的亲人必定感到悲痛万分。 孩子会为父母的过世感到悲伤。脑子里突然会产生自己不孝的念头，一时之间想发奋图强，为的是不辜负已故的父母。起初你能看到他们的努力，但随着时间走，他们的意志也渐渐不存在了，因为他们已经从悲伤的阴影走出来。
例2：单身人士见到情侣会渴望找到伴侣。情侣见到夫妇会渴望结婚。夫妇见到-个幸福家庭会渴望拥有孩子。这些感情之事往往都是因感情冲动而搞砸的。一个人因一时的冲动想学别人谈念爱， 随便找个伴侣， 最后的结局也是分手。情侣因一时的感情冲动结婚。日子久了，发现配偶不配，最后的结局也是离婚。
我之所以会谈这些，是因为最近我太情绪化了，太感情用事了。看到朋友们谈情说爱，或者庆祝生日搞21岁生日派对，就会感到万分羡慕。眼看我的21岁生日即将到来，却不是以这种方式庆祝，真叫人感到有点可惜。
都快变大人了还有这种想法在这里诉苦，真是叫人可笑。
我还真是个蠢材。
举几个例子吧。
例1：有人突然逝世。它的亲人必定感到悲痛万分。 孩子会为父母的过世感到悲伤。脑子里突然会产生自己不孝的念头，一时之间想发奋图强，为的是不辜负已故的父母。起初你能看到他们的努力，但随着时间走，他们的意志也渐渐不存在了，因为他们已经从悲伤的阴影走出来。
例2：单身人士见到情侣会渴望找到伴侣。情侣见到夫妇会渴望结婚。夫妇见到-个幸福家庭会渴望拥有孩子。这些感情之事往往都是因感情冲动而搞砸的。一个人因一时的冲动想学别人谈念爱， 随便找个伴侣， 最后的结局也是分手。情侣因一时的感情冲动结婚。日子久了，发现配偶不配，最后的结局也是离婚。
我之所以会谈这些，是因为最近我太情绪化了，太感情用事了。看到朋友们谈情说爱，或者庆祝生日搞21岁生日派对，就会感到万分羡慕。眼看我的21岁生日即将到来，却不是以这种方式庆祝，真叫人感到有点可惜。
都快变大人了还有这种想法在这里诉苦，真是叫人可笑。
我还真是个蠢材。
Tuesday, January 06, 2009
Opps is jan 09!
This is so darn random. I gonna be turning 21 soon. They say 21th birthday is a significant milestone in a person's life. It ought to be a celebrated in a fun exciting manner with lots and lots of friends!
But i think i ain't celebrating it that way. That night will be spent tutoring anyway. Work work! Oh well, i guess i will just buy a cake and celebrate with my family after work bah.
Seeing other friends in facebook celebrating 21st birthdays in such grand manners always make me wonder if i am missing out in life. I really hope not.
I figure that i ought to buy myself a bigger cake then! Just for this year. =D
But i think i ain't celebrating it that way. That night will be spent tutoring anyway. Work work! Oh well, i guess i will just buy a cake and celebrate with my family after work bah.
Seeing other friends in facebook celebrating 21st birthdays in such grand manners always make me wonder if i am missing out in life. I really hope not.
I figure that i ought to buy myself a bigger cake then! Just for this year. =D
Wednesday, December 17, 2008
Let's hit the roads!
My friend and I decided to rent a car on the 16th and 17th december as he wanted to celebrate his ORD. Renting a car was not without much careful considerations since there were high risks and costs involved. We figured that we would still give it a try although we were fresh licence holders. After all, driving is all about accumulating experience. We wanted to be more familiarised with the roads in Singapore and also to hone our driving skills.
We rented a Mazda 3 and we drove to many places. Over the span of 2 days, I travelled through and forth from Pasir Ris to Jurong. I also explored around the east and town areas, trying to remember important road names along the way.
It was quite exhilarating once I got the hands of it, but it was also quite stressful especially when I horlan or when other drivers refused to give way when i wanted to filter into their lanes.
My nightmarish experience didn't occur in the expressways but at Katong. Katong area was packed with traffic during night peak hours and it was hard to navigate around or park. Also, it sux not to know your way around and i felt that driving risks could significantly be reduced if you were familiar with the roads. But thank god i survived it. =D
Overall, it was quite an adventure and my driving confidence had improved tremendously. I felt that the money spent was worth it.
It's time to remember the street directory! =X
We rented a Mazda 3 and we drove to many places. Over the span of 2 days, I travelled through and forth from Pasir Ris to Jurong. I also explored around the east and town areas, trying to remember important road names along the way.
It was quite exhilarating once I got the hands of it, but it was also quite stressful especially when I horlan or when other drivers refused to give way when i wanted to filter into their lanes.
My nightmarish experience didn't occur in the expressways but at Katong. Katong area was packed with traffic during night peak hours and it was hard to navigate around or park. Also, it sux not to know your way around and i felt that driving risks could significantly be reduced if you were familiar with the roads. But thank god i survived it. =D
Overall, it was quite an adventure and my driving confidence had improved tremendously. I felt that the money spent was worth it.
It's time to remember the street directory! =X
Saturday, December 06, 2008
Race Photos!
What is a blog without pictures? Dull. Here are some photos that were taken during the enterprise race.
2nd Place for us!!!!
Promoting bananas from Madagascar in our marketing campaign!
Our bananas are nourished with the natural fertilisers of Madagascar animals!
Buy our bananas and get free delivery right to your doorstep!
2nd Place for us!!!!Promoting bananas from Madagascar in our marketing campaign!Our bananas are nourished with the natural fertilisers of Madagascar animals!Buy our bananas and get free delivery right to your doorstep!Stand a chance to win a trip to Madagascar with every purchase!
Sunday, November 23, 2008
Update of race results!!
As mentioned in my previous entry, i took part in two events that were organised as part of the global entrepreneurship month.
First event was called the JA titan held at NUS. Objective of the competition was to run a virtual game company that sought to to thrive, not just to survive. My team of 4, had to make decisions on capital investments, RnD, units productions, units price and marketing that would directly affect our company in order to outwit other competitors running their own virtual companies. Performance of the company was measured by the performance index (PI). Our PI constantly topped the others throughout the quarters and we were excited about winning, as the winning team got to take home a plaque and a coveted 150 Borders book voucher for every team member. As fate had it, we ran out of luck in the last quarter and the 2nd team overtook our PI by a mere few points. It was so damn disappointing as we watched them receiving the vouchers. We were so close to getting them. Yet, we could only sulk and as 1st runner up,we did not get anything by the way. =(
Today's event was called the enterprise race. It was very significant as the winning team got to take home with them a cash reward of $2000! My team was all out to win for this one, after a disappointing performance on the JA titan. We prepared ourselves by running and doing our reseach on companies and present entrepreneurs as hard as we could before the competition . We even went to the extent of going to the starting venue 2 days before the race just to get ourselves familiarised with the surroundings. The race adopted elements from the Amazing Race and it took place in the heart of the CBD area. Participants had to decipher clues and overcome obstacles at a total of 9 stations before they could proceed to the pit stop. The hard work we put in for this one eventually paid off. We came in as the earliest team. However as luck had it again, our total performance points lost out to a RGS girls team (NOT AGAIN!!). Got 2nd again but this time, 2nd place got to walk away with 1k! Woohoo! Besides that, we won the most innovative award at one of the station, and that made our combined revenue 1.3k! Yes! Our real regret for the race was that we didn't get 1st as we lost to the other team in terms of the support they had. The lack of support costed us some valuable points which would have turned the tide of battle :(. None the less, at least we got 2nd and each of us was contented to walk away with a net profit of $305! LOL.
Lesson learnt: Next time must get friends here to support and chear for us.
First event was called the JA titan held at NUS. Objective of the competition was to run a virtual game company that sought to to thrive, not just to survive. My team of 4, had to make decisions on capital investments, RnD, units productions, units price and marketing that would directly affect our company in order to outwit other competitors running their own virtual companies. Performance of the company was measured by the performance index (PI). Our PI constantly topped the others throughout the quarters and we were excited about winning, as the winning team got to take home a plaque and a coveted 150 Borders book voucher for every team member. As fate had it, we ran out of luck in the last quarter and the 2nd team overtook our PI by a mere few points. It was so damn disappointing as we watched them receiving the vouchers. We were so close to getting them. Yet, we could only sulk and as 1st runner up,we did not get anything by the way. =(
Today's event was called the enterprise race. It was very significant as the winning team got to take home with them a cash reward of $2000! My team was all out to win for this one, after a disappointing performance on the JA titan. We prepared ourselves by running and doing our reseach on companies and present entrepreneurs as hard as we could before the competition . We even went to the extent of going to the starting venue 2 days before the race just to get ourselves familiarised with the surroundings. The race adopted elements from the Amazing Race and it took place in the heart of the CBD area. Participants had to decipher clues and overcome obstacles at a total of 9 stations before they could proceed to the pit stop. The hard work we put in for this one eventually paid off. We came in as the earliest team. However as luck had it again, our total performance points lost out to a RGS girls team (NOT AGAIN!!). Got 2nd again but this time, 2nd place got to walk away with 1k! Woohoo! Besides that, we won the most innovative award at one of the station, and that made our combined revenue 1.3k! Yes! Our real regret for the race was that we didn't get 1st as we lost to the other team in terms of the support they had. The lack of support costed us some valuable points which would have turned the tide of battle :(. None the less, at least we got 2nd and each of us was contented to walk away with a net profit of $305! LOL.
Lesson learnt: Next time must get friends here to support and chear for us.
Tuesday, November 18, 2008
Peace at last
Hello Blog. It has been quite some time since i last came.
Important milestones in my life. =DDDD
12/11/08 - ORD LOH!! No more regimentations! It's the beginning of a brand new phase of life. I call it the pink IC paradise.
15/11/08 - Officially matriculated into SMU. Can't wait to collect my student card! That means i can now enjoy the student meals at KFC and MAC finally! There is now no longer a need to feign as student and come up with lame excuses when the counter requests to see your student card. O_O
17/11/08 - PASSED MY DRIVING TEST IN MY FIRST ATTEMPT! This wonderful feeling is even more intense than ORDing. OMG, I thought i would fail initially. The most serious mistake during the test was the one when the tester asked me to turn left and i went to turn right. And that really really pissed him off. It pissed him off so bad that he made #%#@ noise non-stop throughout the entire period. SUPER DEMORALISING and i was thinking OMG OMG i gonna failed. Luckily everything in circuit went smoothly and didn't strike kerb or hit pole.. but on the road was like hell. Freakin lots of cars! Well, that wasn't the main point but they just wouldn't want to let me filter into their lanes because everytime i did, they would speed up and HONG at me. Damn irritating! As if the drivers themselves last time were not L or P plates holders before. Maybe they wanted to bastard me upon seeing my dbl L plates. But heng la, in the end i still passed. =DDDDDD
Upcoming and ongoing events. =DDDD
20/11/08 - Friends jio me to attend some biz challenge at NUS. No idea what it is about. Just go. Must go in teams of four. Winning team will get a plaque and $150 dollar book vouchers for every team member.
23/11/08 - Another competition and i think is call the entrepreneurial challenge or something. Basically is like an amazing race within the CBD area. Must go in teams of four again.
I am currently attending jap lessons with my khakis every friday night. It's rather enjoyable to be in their company cause they are seriously funny asses to be with. Friday night has inadvertently turned into a kind of informal gatherings for us.
I ain't looking for a job now although i did source for some a while ago. But none of them turned out to be suitable sadly. I am kinda relishing my freedom now and i admit i realli love it. The money woes will trouble me another day.But right now, i just want to rest.
Important milestones in my life. =DDDD
12/11/08 - ORD LOH!! No more regimentations! It's the beginning of a brand new phase of life. I call it the pink IC paradise.
15/11/08 - Officially matriculated into SMU. Can't wait to collect my student card! That means i can now enjoy the student meals at KFC and MAC finally! There is now no longer a need to feign as student and come up with lame excuses when the counter requests to see your student card. O_O
17/11/08 - PASSED MY DRIVING TEST IN MY FIRST ATTEMPT! This wonderful feeling is even more intense than ORDing. OMG, I thought i would fail initially. The most serious mistake during the test was the one when the tester asked me to turn left and i went to turn right. And that really really pissed him off. It pissed him off so bad that he made #%#@ noise non-stop throughout the entire period. SUPER DEMORALISING and i was thinking OMG OMG i gonna failed. Luckily everything in circuit went smoothly and didn't strike kerb or hit pole.. but on the road was like hell. Freakin lots of cars! Well, that wasn't the main point but they just wouldn't want to let me filter into their lanes because everytime i did, they would speed up and HONG at me. Damn irritating! As if the drivers themselves last time were not L or P plates holders before. Maybe they wanted to bastard me upon seeing my dbl L plates. But heng la, in the end i still passed. =DDDDDD
Upcoming and ongoing events. =DDDD
20/11/08 - Friends jio me to attend some biz challenge at NUS. No idea what it is about. Just go. Must go in teams of four. Winning team will get a plaque and $150 dollar book vouchers for every team member.
23/11/08 - Another competition and i think is call the entrepreneurial challenge or something. Basically is like an amazing race within the CBD area. Must go in teams of four again.
I am currently attending jap lessons with my khakis every friday night. It's rather enjoyable to be in their company cause they are seriously funny asses to be with. Friday night has inadvertently turned into a kind of informal gatherings for us.
I ain't looking for a job now although i did source for some a while ago. But none of them turned out to be suitable sadly. I am kinda relishing my freedom now and i admit i realli love it. The money woes will trouble me another day.But right now, i just want to rest.
Thursday, September 25, 2008
疯子的传奇
因为刚拿了一个星期的病假，所以最近我蛮空闲的。可别以为我出了意外呀！我是动了个小手术， 把口腔内四颗智慧牙通通取出。医生把我全身麻醉。所以整个手术过程我是昏迷的，我也不会感到疼痛。但是醒来后却是另一回事。我隐隐约约还记得我在嘴里咬着纱布，鲜血不停地流，很辛苦。麻醉药也渐渐失去效力，感觉很痛。虽然说我有吃止痛药，可是仿佛没有什么作用。麻醉药的副作用也把我弄得死去活来。我感到头昏脑胀，一直想吐，最终也吐了。竟全是血淋淋的。。。
我朋友都说拔四颗牙是疯子。现在回想起来，我真的是疯了!
我朋友都说拔四颗牙是疯子。现在回想起来，我真的是疯了!
Tuesday, August 19, 2008
Boring
My life has pretty much come to a standstill due to heavy commitments in army. Won't pretty much blog on that due to the nature of my work being classified. Let's just say i am attached to a foreign guest in an exchange programme that will span over a month.
Although the days are long, most of the nights in camp are actually quite free. To kill time, i read a book mostly. Occasionally, my buddy will drop by to teach me how to write some hiragana as he is rather proficient in japanese. Other activities i indulge in include watching movies on the PSP or going to the mess to use the computers. It is rather tormenting to be stuck in camp for a week without going home. Imagine a week of prison life! So i always try to find something meaningful to do.
I have begun to receive steroids injections for my hypertrophic scars or keloids monthly. They are supposed to help flatten my scars by breaking down the interior collagen tissues. Hope it helps cause the process is rather excruciating..
Next month, i am going for a operation again to remove all 4 of my wisdom teeth. It is a rather troublesome procedure because i will have to undergo general anesthesia again. Also, the gums will be stitched up after the ops and i will have to return one week later to remove the stitches. One funny thing i heard from my friends is that they will return the teeth immediately to you after the Ops for memorable purposes. Oh well..pretty worthless i guess.
As the saying goes, every suffering has an end! Another 87 days to ORD! Can't wait... :)
Although the days are long, most of the nights in camp are actually quite free. To kill time, i read a book mostly. Occasionally, my buddy will drop by to teach me how to write some hiragana as he is rather proficient in japanese. Other activities i indulge in include watching movies on the PSP or going to the mess to use the computers. It is rather tormenting to be stuck in camp for a week without going home. Imagine a week of prison life! So i always try to find something meaningful to do.
I have begun to receive steroids injections for my hypertrophic scars or keloids monthly. They are supposed to help flatten my scars by breaking down the interior collagen tissues. Hope it helps cause the process is rather excruciating..
Next month, i am going for a operation again to remove all 4 of my wisdom teeth. It is a rather troublesome procedure because i will have to undergo general anesthesia again. Also, the gums will be stitched up after the ops and i will have to return one week later to remove the stitches. One funny thing i heard from my friends is that they will return the teeth immediately to you after the Ops for memorable purposes. Oh well..pretty worthless i guess.
As the saying goes, every suffering has an end! Another 87 days to ORD! Can't wait... :)
Friday, July 18, 2008
Unit Trusts - part 3
Unit Trusts is also known as Mutual funds in the US. They are essentially the same thing.
The principle is the pooling of money from small-time investors into a huge account managed by a manager for investment into the financial market.
4 main types
1) Insurance- Studies had shown that unit trusts from insurance company tend to underperform those offered by financial institution. However, quite a huge sum is invested here due to the psycho effect from our insurance agents. Reason is because these funds usually had a huge amount of admin fees associated with it.. these fees are deducted from your funds to serve your insurance needs. Less pooled funds means less investments which also means less returns in revenue! Hence, a life policy is better than investment linked funds.
2)Banks- Banks selling there own funds eg. UOB and DBS
3)3rd Party Bank- Bank that does not manage any funds but sell funds from other financial institutions..Standard Chartered bank is the biggest 3rd party bank locally.
4)Internet Fund House- Popular now because of its accessiblity. Less admin charges apply because 3rd party transaction is not involved.
Charges for Unit Trusts
There will usuabble be a sales charge for most funds...If you read the papers, they will always quote 2 figures..You will always be buying the most expensive and selling at the cheaper price..This difference is the sales charge or the spread..Usually quoted at 5%..However with internet Fund House these days, the sales charge will be lower at around 2%.
There are funds that have only one quote price (e.g Franklin Templetion).
To clarify earlier post whereby i mentioned Franklin Templetion funds have only 1 price instead of 2. This is because the sales charges is already deducted from your investment before they allocate the units to you. Other funds will only deduct the sale charges when you want to sell the units in your holding. Hence the need for 2 prices.
Types of Unit Trusts
There are a few categories the funds are invested in. This is also known as market.
1)Asset allocation-Shares/equities or Bonds or Foreign exchange (Money market) etc.
Depending on your risk appetite, choose the type of asset that suits you...Equities is the highest risk type while money markets is a totally different type of risk ...However, with higher interest rates causing bonds to yield fewer returns nowdays, money pumped into shares will be better. Will confirm again...
2)Geographical allocation-This can be single country eg.China, India, etc or regional (eg. Asia, Europe) or global.
3)Sectoral allocation- Refers to the Biz type-Popular sectors include Technology, Healthcare,Finance..
When deciding which fund to invest in...Consider all 3 factors...For example, if you believe in equities, Asia, Tech...Look for a fund invested into this area.
Point to note, the more specific a fund is invested in, the higher risk it is involved... eg. a Global Balanced Fund will spread out your risks..
Sianz, army committments just get more and more with time.
The principle is the pooling of money from small-time investors into a huge account managed by a manager for investment into the financial market.
4 main types
1) Insurance- Studies had shown that unit trusts from insurance company tend to underperform those offered by financial institution. However, quite a huge sum is invested here due to the psycho effect from our insurance agents. Reason is because these funds usually had a huge amount of admin fees associated with it.. these fees are deducted from your funds to serve your insurance needs. Less pooled funds means less investments which also means less returns in revenue! Hence, a life policy is better than investment linked funds.
2)Banks- Banks selling there own funds eg. UOB and DBS
3)3rd Party Bank- Bank that does not manage any funds but sell funds from other financial institutions..Standard Chartered bank is the biggest 3rd party bank locally.
4)Internet Fund House- Popular now because of its accessiblity. Less admin charges apply because 3rd party transaction is not involved.
Charges for Unit Trusts
There will usuabble be a sales charge for most funds...If you read the papers, they will always quote 2 figures..You will always be buying the most expensive and selling at the cheaper price..This difference is the sales charge or the spread..Usually quoted at 5%..However with internet Fund House these days, the sales charge will be lower at around 2%.
There are funds that have only one quote price (e.g Franklin Templetion).
To clarify earlier post whereby i mentioned Franklin Templetion funds have only 1 price instead of 2. This is because the sales charges is already deducted from your investment before they allocate the units to you. Other funds will only deduct the sale charges when you want to sell the units in your holding. Hence the need for 2 prices.
Types of Unit Trusts
There are a few categories the funds are invested in. This is also known as market.
1)Asset allocation-Shares/equities or Bonds or Foreign exchange (Money market) etc.
Depending on your risk appetite, choose the type of asset that suits you...Equities is the highest risk type while money markets is a totally different type of risk ...However, with higher interest rates causing bonds to yield fewer returns nowdays, money pumped into shares will be better. Will confirm again...
2)Geographical allocation-This can be single country eg.China, India, etc or regional (eg. Asia, Europe) or global.
3)Sectoral allocation- Refers to the Biz type-Popular sectors include Technology, Healthcare,Finance..
When deciding which fund to invest in...Consider all 3 factors...For example, if you believe in equities, Asia, Tech...Look for a fund invested into this area.
Point to note, the more specific a fund is invested in, the higher risk it is involved... eg. a Global Balanced Fund will spread out your risks..
Sianz, army committments just get more and more with time.
Sunday, June 08, 2008
Points to note for driving today before i forget.
1. Gear control isn't too good, will occasionally slip in the change between gear 3 and 2. Must sweep left hard to make sure it is gear 2.
2. Moving off from gear 1, make sure left leg is at half-clutch/biting point and step accelerator a little will do. Common mistake is that the biting point is not reached, so the car takes a longer time to move off. This is important especially on slope, as the car needs to move straight away once biting point is reached, if not will roll back. Another mistake is too much pressure on accelerator applied sometimes, so car surge forward.
3. Always step on brake a little if the car is going to fast. And make sure heel does not touch ground when brake is stepped.
4. Have a tendency to park too far alway from the left kerb.
5. Change to neutral gear only if the car has stopped fully. Must step on brake if parking brake is not engaged to prevent rolling.
6. Always make sure to check right before exiting minor road and joining major road. And always use gear 2 when entering zebra crossing.
7. Rear mirror must be adjusted correctly so that the three lanes and the left kerb can be seen.
8. When stopping, brake gradually and when the car is about to stop, clutch in and brake at the same time to fully stop. Brake gradually to prevent sudden stop.
9. For gear 2, always rest at half-clutch before releasing clutch to prevent sudden speed surge and noise pollution.
2. Moving off from gear 1, make sure left leg is at half-clutch/biting point and step accelerator a little will do. Common mistake is that the biting point is not reached, so the car takes a longer time to move off. This is important especially on slope, as the car needs to move straight away once biting point is reached, if not will roll back. Another mistake is too much pressure on accelerator applied sometimes, so car surge forward.
3. Always step on brake a little if the car is going to fast. And make sure heel does not touch ground when brake is stepped.
4. Have a tendency to park too far alway from the left kerb.
5. Change to neutral gear only if the car has stopped fully. Must step on brake if parking brake is not engaged to prevent rolling.
6. Always make sure to check right before exiting minor road and joining major road. And always use gear 2 when entering zebra crossing.
7. Rear mirror must be adjusted correctly so that the three lanes and the left kerb can be seen.
8. When stopping, brake gradually and when the car is about to stop, clutch in and brake at the same time to fully stop. Brake gradually to prevent sudden stop.
9. For gear 2, always rest at half-clutch before releasing clutch to prevent sudden speed surge and noise pollution.
Saturday, June 07, 2008
Unit trusts- part 2
As spoken on unit trust part 1, the performance of the unit trust depends on the fund manager and the market the funds are invested in. Since the monies we pooled in are controlled and managed by the fund manager, it is essential to research on the manager. Generally, researching the managers has now been a rather difficult exercise due to little advertising and coordinated pool of information. Therefore, one must draw to his or her own conclusion whether the fund managers are capable or not.
With regards to market, it is essential to research on the underlying market that the unit trusts invest in. Unit trusts are often categorised into groups that best reflect what they invest in. Generally, the more "unfashionable" a market has been, the more you should feel comfortable relaxing in it. A fashionable can also mean an unstable market and one will see a lot of sellers as investors try to reduce their overweight position. However, for a unfashionable market, most investors will have a low weightage in it and therefore try to buy in order to restore their weightage.
Buying unit trusts
There are two prices quoted for a unit trust and the higher price is known as the "offer" price. The lower price is called the "bid"price. So when a price is quoted like $1.70-$1.60, one will know that the units were on sale for $1.70 and could be redeemd at $1.60. The difference is known as the "spread", which is usually around 5%.
One must know that there are exceptions to this. For example,Templeton unit trust quote only one price., This actaully means the bid price they are prepared to buy back the units. When you buy, they will deduct from the investment the amount of sale charges and the rest is invested at the net asset value price. The effect on the price you pay is the same, but it saves calculating and publishing two prices.
I think i will take a break for now and look at another kind of financial instrument in my next entry.
With regards to market, it is essential to research on the underlying market that the unit trusts invest in. Unit trusts are often categorised into groups that best reflect what they invest in. Generally, the more "unfashionable" a market has been, the more you should feel comfortable relaxing in it. A fashionable can also mean an unstable market and one will see a lot of sellers as investors try to reduce their overweight position. However, for a unfashionable market, most investors will have a low weightage in it and therefore try to buy in order to restore their weightage.
Buying unit trusts
There are two prices quoted for a unit trust and the higher price is known as the "offer" price. The lower price is called the "bid"price. So when a price is quoted like $1.70-$1.60, one will know that the units were on sale for $1.70 and could be redeemd at $1.60. The difference is known as the "spread", which is usually around 5%.
One must know that there are exceptions to this. For example,Templeton unit trust quote only one price., This actaully means the bid price they are prepared to buy back the units. When you buy, they will deduct from the investment the amount of sale charges and the rest is invested at the net asset value price. The effect on the price you pay is the same, but it saves calculating and publishing two prices.
I think i will take a break for now and look at another kind of financial instrument in my next entry.
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