回忆

刚刚意外的发现astro在播映着三年多前的一部动画“How to Train Your Dragon”。

看着这部动画，不禁想起了当时在戏院里的两个小时。三年多过去了，人事已非，就像我以前曾在这里说过的，世间有许多回忆只会属于一个人。这不是因为这回忆是什么天大的秘密，只有一个人知道；而是因为共同制造这回忆的参与者，只有一人会把这段没有任何特别的时光珍而重之。

一个人的回忆，回忆起来，还真的透着秋意的凉啊。。。。

梦游仙境？

啊。。。我爸爸被怪兽袭击？

什么？ 。。 我妈妈和孙中山认识吗？

非也非也。。。。


此乃槟城新去处，由One Academy 为主心杆打造的Interactive Museum.

里头有不少由学生合力绘制的立体图像，用之来摄影可以营造出不错的视觉效果哦。价钱也不贵，马来西亚公民入门票才15令吉，可以说是挺不错的了。

在这里才发觉原来我爸爸妈妈那么爱玩的，哈哈。。。。

投资上瘾

人是一种奇怪的生物，在大脑的作用下，基本上是有可能对任何事物上瘾的。什么是上瘾？就是明知道不好，不应该，却不能自制的去做，去喜欢。

像是抽烟，赌博，嫖妓，这些坏习惯上瘾当然不好；但好喜欢如读书，运动，唱歌，这些有益身心的活动一旦沉迷起来也可以破坏人生。正所谓凡是太尽，缘必早尽，我始终认为就算是投资买资产，如果超出自己的负荷，也是有害的。

最近几个月来我就觉得我有点着了投资的瘾。看着喜欢的公司，就忍不住地想买。这间公司看起来有潜力，那间公司股息很吸引人，很多人都说吉隆坡股市现在没有好股，可为什么我就看见了那么多？难道是上瘾后，眼睛看见什么阿狗阿猫都特别美丽？

几个月的手痒下来，手上的公司从5间变成了9间，这还是我忍痛砍了两间“感觉比较危险“的地产股之后。手上的现金也从近18%变成了0%，甚至还动用了房屋贷款预付，现在倒好，标准的钱不够用，要买也没钱买了。

有人说买资产的瘾是好瘾，我却不认同。没有规划性的乱买，不但卖得没有效率，还可能因为过于松散而没有办法把大部分资金放在最好的公司里。而且手上现金不足，不只可能错失未来更好的投资机会，而且一旦需要用钱，就必须被迫卖股，这是投资大忌。

接下来几个月必须学习戒股，除非有绝佳出手机会，不然就要努力提高现金比例至少至5%。除了锐利的双眼，拥有非常人的耐心和忍耐力的，才是好的猎人。

转载 ： 【最会赚钱的15种人】

1、很聰明的人 　　

讀書學習好與壞與做生意賺錢完全是兩碼事，書讀的好，生意不一定做的好，做生意需要頭腦靈活多變，想到就要做到。 　　

2、辦事能力和辦事效率很強的人 　　

一旦有賺錢的生意馬上一步一個腳印的去做，要付諸於行動，敢做、敢實踐，只有這樣才能抓住機會。 　　

3、不安於現狀，不斷努力的人 　　

一輩子捧著“鐵飯碗”的人，永遠沒有賺錢的機會，“夠用就行，要那麼多錢幹嘛“這句話是那些賺不到錢的人聊以自慰的“名言”。 　　

4、真正受過窮的人

就像“貌不驚人“的男人一心一意的追求漂亮的女孩，往往能成功一樣，受窮的人因為感受到了貧窮的切膚之痛，而愈有賺錢的慾望和精神。 　　

5、有人生財富目標的人

一個人單調的上下班，把固定的工資存在銀行，年復一年，到頭來也攢不了很多錢。想賺大錢就要立志經商，而且目標也要水漲船高，選定奮鬥目標，一步步邁進。 　　

6、勤奮好動的人

多看、多想、多做、超越常理，出奇制勝，“鬼點子”越多越能賺錢。 　　

7、最能創新的人

做生意第一要決就是眼光獨到，想別人未想的事，走在別人前面，讓別人在後面追。例如：您發現一種商品很符合當地實情，判斷自己進回來一定暢銷，這是生意人掙錢的準則，等把市場鋪開了，別人跟風就晚了。 　　

8、很有自信心的人 　　

無論做什麼事首先要有信心，相信自己是最優秀的，最棒的，這樣您就能把自己最大的潛能發揮出來，信念是通向經商致富路上的指明燈。 　　

9、個性豪爽的人 　　

成功的企業家或商人都是爽快人，辦事豪爽，乾淨利落，不拖泥帶水。 　　

10、善於冒險果斷的人。 　　

辦事果斷，憑膽量論成敗。獨木橋的故事：有一座獨木橋，橋對面有一片豐碩的果林，果實又大又好，膽大的人，憑膽量快速走過獨木橋，摘得很多的碩果，而膽小的人，膽小不敢過橋，而沒有摘得一枚碩果。 　　

11、善於學習總結的人 　　

在平時的經商中，多與人交流，聽取別人的意見和想法，不斷總結，以豐富自己的經商經驗。 　　

12、能吃苦耐勞的人 　　

做生意的一年365天都不休息，風裡來雨裡去，生活沒有規律，搬運貨物相當辛苦，請您相信“天道酬勤”的道理。 　　

13、不斷進取的人 　　

遇到挫折不屈不撓，哪裡摔倒了就在哪裡爬起來。例如：您做一次不成功，兩次、三次……哪怕是做九十九次不成功。第一百次您成功了，那您這一生就是一個成功的人。 　

14、善於抓住機遇的人 　　

在人們的生活中，在自己的身邊往往有很多的機遇，只是由於疏忽而沒有發現，讓機遇溜掉，或者是讓別人發現實施了，所以平時生活中對周圍的事物多看、多想、多做，對自己發現和創造機遇有很大的好處。 　　

15、珍惜時間的人 　　

浪費時間就等於浪費財富。對於經商的人來說“時間就是金錢”一點都有沒錯。賺錢靠的是珍惜時間，利用時間。天天早睡晚起做懶漢是賺不到更多的財富的。人的生命是有限的，特別是在年輕力壯，思維敏捷的年齡階段，多創造財富，老來才能享用。

九年前

九年前毕业的新闻，连我自己都没有，可从朋友那里挖到了一份。问题是，记者把我的名字写错了。

陳勢安 - 非你不可

主唱：陳勢安
作曲：戴佩妮
作詞：戴佩妮

天一冷就睡了　別問我會不會餓
多久沒餓了　胃口早被弄壞了
用力　想踹門　卻起不了身
索性就好好的晾著　

天一熱就煩了　別管我會不會渴
就算我好渴　灌再多也解不了
忽冷　忽熱　的封閉室溫
散不去你好心　留下來的悶　

 憑什麼我要對你　非愛不可
忍著的痛　病成了　討厭的乾咳
我不是那種可以　隨便乎弄的　輕易被打發的
難過得會　退避三舍　

為什麼選擇　非你不可
忍著的淚結成了　頑固的冰河
你就是那種過客  來得很誠懇　走得不負責任
別指望　在消失之前　得到許可

天一熱就煩了　別管我會不會渴
就算我好渴　灌再多也解不了
忽冷　忽熱　的封閉室溫
散不去你好心　留下來的悶　

憑什麼我要對你　非愛不可
忍著的痛　病成了　討厭的乾咳
我不是那種可以　隨便乎弄的　輕易被打發的
難過得會　退避三舍　

為什麼選擇　非你不可
忍著的淚結成了　頑固的冰河
你就是那種過客　來得很誠懇　走得不負責任
別指望　在消失之前　得到許可

憑什麼我要對你　非愛不可
忍著的痛　病成了　討厭的乾咳
我不是那種可以　隨便乎弄的　輕易被打發的
難過得會　退避三舍　

為什麼選擇　非你不可
忍著的淚結成了　頑固的冰河
你就是那種過客　來得很誠懇　走得不負責任
別指望　在消失之前　得到許可

转载 ：8 common money mistakes you can avoid

A very good article from iMoney.my to be shared here http://www.imoney.my/articles/8-common-money-mistakes

Almost everyone has made at least one money mistake in their lifetime, especially in their youth. When we first join the workforce, we are left to our own devices to manage our salary amid temptations, such as freely available credit cards and various other material goods.

According to Bank Negara Malaysia, Malaysia’s household debt-to-GDP ratio has increased from 69% as at end-2006 to 83% as of end of March 2013.

Most debts are created by overspending. In order for us to tackle the issue, Malaysians need to understand the implications of having excessive debts. Leveraging heavily through credit card spending is not the only money mistake many of us make.

Here, we share eight common money mistakes to help young professionals circumvent them and avoid setting themselves up for a financial meltdown in the years to come.

8. Buying a home before you are ready

The idea of owning your first home is appealing. With most Malaysians, it is seen as a benchmark of financial stability, giving one the bragging rights to friends and relatives.

However, it does you more harm than good to purchase a home before you are financially ready. Being financially ready for a house is not just about saving up 10% of the price of your dream home as down payment. There are various other fees and charges that you need to pay upfront, too.

Owning a home is rewarding, but it requires time, money, and a serious commitment to financial prudence.

7. Getting a loan for your wedding

Even more so than buying a property, marriage is a big life commitment. Within the Asian culture, weddings are traditionally grand affairs. However, not everyone can or should afford the grandeur.

Times have changed even for the most traditional families. Where parents of the bride or groom pay for the wedding, most brides and grooms now pay for their own wedding. However, with a meager bank account balance, younger nuptials may not be able to afford their dream wedding.

Being newlyweds is difficult enough, you really don’t want to start off the marriage carrying a huge debt burden. If you do not have the resources, opt for a small and simple wedding ceremony and resist the temptation to max out your credit card or take up a personal loan for a party.

6. Brushing aside health insurance

According to last year’s statistics from the Credit Control and Counselling Agency (AKPK), the number one reason people fell into debt was because of unforeseen medical expenses.

A study by Swiss Re, a global reinsurance company, entitled “Health Protection Gap: Asia-Pacific 2012″ revealed that total healthcare costs in Malaysia are projected to rise by 8.8% yearly to US$25.8 billion (RM83.3 billion) by 2020.

If you don’t have health insurance, you have to ask yourself: Do you have additional contingency funds in the event you fall ill and need extended medical treatment? What about the income lost should you be incapacitated for an extended period of time because of illness?

We shrug off health insurance when we’re young and healthy. However, accidents and illnesses can happen to anyone. When we are sick, we really don’t want the added stress of looking for money to fund our treatment. A medical card may not cover doctor’s visits for every sniffle, but they could save you from bankruptcy for more expensive, unexpected medical incidents.

5. Not saving for retirement

How much will you need in your retirement? You can work it out with this formula:

 M = P (1 + I)ⁿ to work this out.

• M = Annual amount you’ll need upon retirement
• P = Principle amount (i.e. 80% of your current monthly expenditure, refer to Step 1 above)
• I = Inflation rate per year
• n = Number of years you have left before you retire

For more information on how to calculate how much you need, click here.

To maintain a middle-class lifestyle after retirement, you may need RM1 million in accumulated savings by the time you reach retirement age. But according to the EPF’s annual report for 2011, the average savings for active members at the age of 54 stood at RM149,216.

How can you save up RM1 million by the time you retire? If you are earning RM30,000 a year, you will need to save at least 20% of your salary every month for 45 years.

Forty-five years is a long time and it could be the whole span of your career. Therefore, it is imperative for you to start saving the moment you enter the workforce. There are various other investments you can take-up to help you save faster, such as Private Retirement Scheme.

4. Dismissing a good credit score

Not having a loan or a credit card until you are well into your late 20s or early 30s is not necessarily a great idea. Most lenders (banks) refer to the repayment record on your previous or on-going loans and credit cards to gauge your potential to repay a new loan or credit card.

If you do not have a credit history at this stage in your life, most banks will be a bit skeptical towards giving you a loan or credit card.

Remember, a good credit record matters. All you have to do is pay every bill on time to establish a minimal but healthy credit record.

3. Paying unnecessary bank fees

Bank charges are pretty standard in Malaysia due to the strict regulations set by Bank Negara Malaysia. However, there are ways you can avoid paying additional and unnecessary fees. Some of the things you can do to avoid paying extra are:

Use only your bank’s ATM to withdraw money to avoid paying the additional RM1 for withdrawals made at other bank ATMs.
Pay your credit card bills on time to avoid extra interest charges and late payment fees.
Take full advantage of the interest free period on your credit card.
Making extra repayments on your flexi home loan can help you save on interest.
If you regularly practise this, you will make it a habit to not pay extra to the banks.

2. Paying more than you should on your student loan debt

Most graduates want to finish paying off their student loan as soon as possible, so they can move on to servicing other debts, such as car loan and home loan. Hence, it is natural that these graduates would pay more than they are required to every month.

Though striving to pay off a loan as quick as possible is a good thing, but by doing this on your student loan, you are also missing out on other saving and investment opportunities. Only pay more on your student loan after you have set aside a portion of your monthly salary to save and invest.  If not, you will be stuck in a situation of zero debt but also, zero savings.

1. Not having a budget

Most young professionals don’t bother with a budget, choosing instead to live from pay cheque to pay cheque. However, in order to live comfortably in the future, plan your finances now.

In personal finance, having a plan separates the men and women from the boys and girls. We have a limited supply of money, so we must decide intentionally what we’re going to do with it.

Having some goals in mind can work as a motivation to stay on your budget. For example, aiming to be able to buy a property at 28 years old or getting an MBA at 25 years old. Without a plan or a strategy, the goals may seem impossible. However, with a plan in mind, you will be able to project the timeline in which you can achieve your goals.

At times it feels like managing your money well is an up-hill climb – it is. However, not managing your money well is a steep downhill slope. By remaining focused on your goals, you can stay financially disciplined.


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About Author
Ching is the CEO and co-founder of iMoney, a leading price comparison website in Malaysia. Prior to iMoney, he was an investment consultant, advising clients ranging from $5 million to $500 million on investment related matters. He is also a CFA & CAIA Charterholder, two prestigious professional qualifications in the finance field.

再见青年

再过一个月就要33岁了，就算脸皮厚的像桌上一年未擦过的灰尘，但想来也应该没什么资格再乔装青年了。也许是人们都不喜欢认老，所以在青年和中年之间硬塞了个壮年的名头，听起来感觉自我良好，咱再怎么看也不算太老嘛！怎么街上的姑娘就偏要把我们当大叔看！

来来来，三十而立，我也只不过才立了两年多，路上前辈多的是。三十到四十这十年可以说是大多数人在事业冲刺的最后机会，光棍除外。如果三十岁之前的十年，你没玩够，钱也没存够，又和本人一样被丘比特躲着，我为我们哀悼，并祈祷你未来的十年可以扭转乾坤。

青春的尾巴已经抓不住了，就看开点，乐观点的希望，壮年真的壮如牛，猛如虎，赚钱易如切豆腐。