13th oct 2008(Money)

Money made the world goes round.To be in more detail, money made us go around the world.

That is how the silk road from china is create.

Some may say, there are people who does it for passion, like an explorer,in history, who set sail on a ship to find a new land.The captain may be doing it for passion, but not the crew member(they did it for money).And one captain cannot possibility control the whole ship.

I knew a friend who once quoted to me that "money is oxygen"

One of the thing people question about money is, does money bring happiness? It a "yes" and a "no" to this question.

No, is because we gave our time in exchange for money, and to made more money means you have to spend more time.Time spend in working, investing,planning,networking,selling,buying,stock up good,study and Etc.

And because of us spending too much time on making money.We lack of the time to spend with our family and our friends, relationship is what matter the most in life.

Yes, is because if a person doesn't have a lot money.He can't do a lot of things and the environment around him is slowly taking away his money.Things such as taxes,transport fee,food,house loan,utilities bill and getting charged for jaywalking and throwing litter.He can't enjoy the things in life.(unless he decide to take a career to be some religion holy man which also hard because he needs money to take the course,and you reader think is free?)

I think the best way is learning how to handle money. Instead of being too passion about money or too hack care about it.Material to learn such stuff can be found from bookstore and library.

It wise to also take advise from people that are rich.Who is a good friend, and you saw it with your own eye really own the wealth.both "behind the screen" and in front of every body's eyes

Taking advise from people about money is a very dangerous move, and must chose wisely who you listen to.There is a lot of reason for this

If the person is poor, he will give you advise like saving up and go gambling.Or just use up whatever you have, since tomorrow you might die anyway.

If the person is wants to cheat on you, he will advise you to invest in him and his so called "idea",since he got the ability to own a car and setting up his own company which you saw it with your own eyes but don't know what is the whole story behind those things.He got the right not to tell you the whole "idea" that he is having.

After all everything is what he says(the point is you don't even follow him 24/7), and i can even say that i had been to the moon to try moon walking.

If the person is on average side of financial state, he will just advise you on saving up and study to upgrade.which i find so far is the safest advise.

But an average person advise even though is the safest but it's not really that safe.

Do you guys heard of the term "life saving",and the most common figure you get when you saw on "life saving" is $250,000.Let's do some math.

Let say you earn 1400 dollar monthly, and you manage to save 700 dollar for a month.(wow that is half, which is of course very hard).And in a year that will be around 8400 dollar a year.Add in another three months and you got ten thousand dollar in your bank.which mean in an average of one year three month to get ten thousand dollar.

To get a sum of 250,000, it take you an average of 26 years!!

And if you are one of those who buy DBS unit trust that has been "sabotage" by lebhman brother. half or none of your "life saving" will be left.

And that is one of the many reasons why even a financial planners advice is equally dangerous.

If you got a serious chronically illness, a month in hospital is going to cost you a bomb and in two years times, the 250,000 dollar will be left with only a few thousand dollar.

So the best advice to get about money is from the rich guys, after all they are already rich.

Some rich guy will write books to teach people, and they already get the extra money from selling those books,the tactic inside the books are "hard to chews facts"

the price to pay for the advice is the money you pay for the book.sound logical?

8th oct 2008(correct answer)

In school, we were taught to follow certain rules.The things that we should do, and the things we should not do.the things to say and to write.
We cannot do thing that is out of the context of whatever it been taught to us.

writing compensation topic must be within the acceptable level, if not, even if it's logical it is consisted a work of a retard.whatever teacher says is correct, even if he or she is bias toward to a much nicer looking student.

It is the hidden flaw of society,once any group that have been establish, a system will be created.a culture to serve a main purpose or some one's purpose.we must do and say in a style according to the system.

We all know it, we all just don't want to care about it.just swept it under the curtain.If you really want to say it, you are an outcast.

Here is a list of thing that we shouldn't do:

• Kill someone we hate.
• wish someone will murder that person who betray us.
• stop paying taxes
• shout at the lecturer that he is wasting our time
• ran a car over a person who just cheated your money and your love.
• tell everybody that the gracious movement is totally not logic at all.
• Kiss the girl that you like who already has a boyfriend.
• telling a person who will do anything for you that you are making use of him or her.and he is stupid enough to be so nice to you.
• making use of your looks to get what you want
• Wish certain religion group will just disappear
• cheat your way for a living by telling half the truth

These are the things that not suppose to surface.it will create Chaos.these thing exists.If you read the comment by people who put fakes name in the Internet forum,you can spot at least three to four point that i had mention.

So a system with rule and regulation will be create for the good of everybody, but people become too robotic or abuse the system.

Recently, there had been a complain in the newspaper about people in Singapore not clearing up their bowls,dishes and cups when they are eating in public places(yes,I'm making the point very clear).But, the thing is, most public eating places already hired people to clear for us.What is the point of raising such issue?

It totally a correct political suggestion or complain that has no logic in it.

Once a friend of mine from my ex Church contacted me and ask me out for drink, i agree without thinking because it my first off day and i still got two off day to go and nothing to do(that time i just got the job, and i didn't join martial art yet).

It was nice, he treated me a nice meal.

then his plot started, he began to peach insurance to me (despite i told him i already brought from great eastern plus invested in unit trust).And started telling me to go back to Church(for information i already a catholic and going regularly to Church).i must say he is an expert in using political answer.

i put it in a point form of what tactic he use, so next time when you reader came across the same thing, you will know how to react.it the same tacitc uses almost everywhere, they learn from each other.

Tactic 1:

My friend: "Sam, come on.come back to our Church just like old times"

Me:" i already change Church, and i going to Church worshipping as old time what wrong with that?"

my friend:"i know, it nothing wrong. but it also nothing right about it"

Me:"what is wrong about it?"

My friend: -silent-

Tactic 2:

My friend:"i know why you are upset, maybe it because of someone in the Church that making you upset, or maybe it thing doesn't go your way, or maybe it the group." (politically correct)

Me:"nothing of that have happen, i just want to leave, because i don't like it there" (politically wrong)

my friend: "politic happen everywhere,Sam.don't take it too hard"

Me:"so now you are saying your Church is a bad place, and they are playing politic?"

my friend:"Sam..."(further answer will result in a wrong political answer)

Tactic 3:

My friend:"i know, you are cover by insurance.but there is no harm buying more."(a clever "nice guy" want credit from bringing me back to Church and getting money from the policy i buy from him)

Me: "i know you in need of money and need me to buy insurance from you, so you can get the commission from the policy.ok i will help"

My friend:" no, you don't understand,you need your finance planned out as you see i worry about your finance.and also to be cover as you know you hasn't been praying as you left Church a lot of things will happen.As you know you sometime can be abit..."(he is talking to a guy who save half his salary per month and using it for investment)

Me:" if you say you need help, i as a friend will buy from you.but since you deny it. i don't want to buy from you, because you are a lousy sale man".

My friend:"What are you talking about sam?haha... i DON'T get any commission from the policy i sell to you, i only providing you a service,ya i do get abit of money for the service i provide to the customer but it not much"

Me:" not much? commission that is given monthly to you as a form of salary from what i have given to the policy every month is not much?"(he is really beating around the bushes)

My friend: "no lah no lah, you got it all wrong. it didn't receive any commission..."(his ex girlfriend told me that he is a qualify insurance agent,and "Dr money" in sunday newspaper already wrote about commission pay job about insurance agent)

Me:"i not buying, if you contiune and don't shut up, i will just leave"

2nd oct 2008(Risk)

When i was 15 years old, i rode my friends bicycle down the slope from a Void deck and it was toward the road.When i near it, i found out that the bicycle has NO BRAKES.I had to use my legs and force it to stop before the truck hit me.

At the age of 16 years old, my mum told me that one of my relative was injured by fire when trying to cook instant noodle(i heard he was cooking Maggie curry chicken favour noodle)

At age 17,I read a news about an old Ganny in hong kong was scalded to death by water from a water heater when using it to bath.And another news report at that same year of a middle age lady in Singapore get killed when she was been hit by a bicycle.

At a mature of age of 20 , i saw a guy get shot by a bullet which rebounds from the wall when doing life range using his revolver during national service.

Just recently, this year.My friend's supervisor get burn in the eye when acid got shot out from a chemical drum.He recovered from the accident, his eye is doing well.(yesterday his finger got burn by acid)

The stuff i mention, you all know it.You all can't denied it.It is the risk in life.The moment you wake up from your bed,we are facing risk.

The point here is about taking risk in your life to get what you wanted in life. i know, you should be thinking things like "you want me to take risk after what you just wrote on your blog??"

Yes, of course.Why not?

Everyday we are facing risk,From the moment you are walking,eating and sleeping we all face unwanted risk.

Why not take risk in our life and give ourselves that chance to get the things we wanted in life?

There is a lot of thing that have risk in it and i made a list:
Asking the girl you like out on a date.
playing sport that you really like.
the job that you always wanted.
the competition you always want to go.
Go into business.
Play with investment.
Stand up for yourself by letting that someone know you are angry.
ride a motorcycle.
Quit your job which they take you from granted
Etc.

I know it hard.It risk... and you know it in your heart what kind of risk you are going to face.But it better than letting normal day risk in life getting the best of us.