Wednesday, October 03, 2007

Times flies........ and of cos i'm old

This post is just something out of the blue. Today i have a little bit more time for myself, and i decided to be my old Kpo self. Go tru friendster, realise that alot of my friends, relatives has move on very fast in their life. Some went on for Star Idol contest, DJ contest. One of my friend is even a current DJ host. Few got married and already given birth.

As i look back, i was planning to get married at the age of 25 and guess what, i'm 26 and not even married, and not marrying soon too. My friend who dont even have the slightest intention of getting married, most of them are happily married now and some even have kids!

As i grew older, more responsibilty to shoulder on and the word "money" become to have more instrinsic value in my life. You beginning to realise school wasnt that shitty, in fact I grew to love the good old days of school. You got nothing but hell lots of times, you play, joke, trying to be funny, and the only thing you worry is Exam. Now, everyday is abt work, juggling between work and relationship. You beginning to realise 24 hours a days is not enough, we should have 48 hours!

And as the old life pattern follows, you study, get a good cert, move on find a decent job, and a decent partner, get married, have a child, start up and family, and see through the same process for your kids, and there u go, u reach old age, getting ready to die, and then say bye bye to this world.

I'm somewhere in the middle of that life pattern right now. Time reallie flies, its been ages since i met up with my old classmates, not that i dont want, is just that we simply dont have enuff time. Things changes from our study life, we work hard for our career, move on so quickly that you think your school exam were just ytd.

4 more years to the big 3 for me. Its not scary anymore, life has been quite mundane. Thankfully i have a partner to share my life with. Happy that everything is fine for me. And as usual, before long, before i realise it, i will be moving on to the next phase of my life journey and needless to say me and my partner will move on in tandam.

On a side note, i cant wait to see our little creation of Kelvin Junior and Joanne junior. I bet they will look damm gorgeous. But that have to wait of cos. =)

Friday, September 28, 2007

The Rich and Their extravagent lifestyle

Today as i pick up a copy of Straits Times, i came across this Special Edition "The Men's Club" - The Superrich @ Play and Work. I suggest you guys should just pick up that copy and have a look at how disgusting those rich ppl are.

In Case, you guys didnt lay your hand on that copy, i just abstract an article (with courtesy of The Straits Times)

Word for word (just to afirmed you that i didnt add salt and pepper to the post)

- A WEALTHY retired businessman went on a shopping spree at Tiffany & Co to show appreciation for the care his family provided him when he was hospitalised recently.
He showered the women in his life with diamonds. Says Ms Hew Yee Min, managing director at Tiffany & Co. "It was also an emotional moment for his wife and three daughters as he picked up several pieces of diamond jewellery for them to remember him by, in case anything happens to him"
That's one palpable reason for men to splurge on their women. At Louis Vuitton, its spokesperson Aileen Png says that typically, a man spends about $3,500 on bags, shoes, clothes and accessories for his loved ones in her shop. At Hermes, the bill can balloon to $300,000, as was the case of a man who bought a Birkin bag in crocodile hide and diamonds for his partner.
The super rich dont shop like ordinary mortals. Mr Christopher Kilaniotis, managing director for Cartier Singapore, Malaysia and Indonesia, recalls having to open his boutique at midnight for a regular customer who wanted to buy two watches for his wife who had just given birth.
At Sincere Watch, which markets top-end Frank Muller watches, its brand manager Angela Lor recites the case of a couple who wanted the 12 numerials on the watch dial to be replaced with letters from their names set in diamonds. The watchmaker was pleased to help, at a cool $400,000 to do the jobs.
Louis Vuitton's Ms Png says the dicerning men buy seasonal or limited edition bags and accessries for their women. For others, bejeweled watches and handbags are just as good.
Tiffany & Co had a special sale with its 24-carat rough diamond last year. The deal : customer visits the mine to see the diamond, chooses a cut with a diamond cutter in Antwerp, and decides on the setting with the jewelery designer. When all's done, the masterpeice is celebrated over breakfast at Tiffany's in New York.
As Tiffany & Co had only one diamond of this size, the deal was for one customer only, at a price of US$1 million (S$1.5million). It was snapped up in no time. -

See? disguesting isnt it.

If you think its the max, wait till you read this below....

- Dr Bernard Cheong has more than 100 watches, the most expensive being a rare Harry Winston Opus V that costs $250,000. He also added a $230,000 MB&F Horological Machine No (HM1) to his list. In any case, Dr Bernard Cheong is the owner of Lifeline Medical Group and property development companies. A bold statement was made by him. "I am not wealthy. I am just trying to find a hobby with meaning. The watches i have are inexpensive" -

What the hell! A person who could buy watches at exhorbitant prices say he is not rich! Then i have to ask him what do i then have to call myself?
The final draw is when he says his watches are not expensive! That Harry winston Opus V could easily buy a 4-room HDB flat now lah! Not expensive? My ass !

Someone wake up his ideas pls!

Monday, September 17, 2007

I walk from Eunos Mrt back to my Home!

Yea, you read it right, I walk home all the way from Eunos Mrt Station back to my home, and i took ard 20mins to reach home.

And Guess what, when i reach the bus station where i alway alight, the bus that i should take to go home did not even arrive. (to be exact, i cant even see any approaching)

Today, the traffic is killing, if i were to wait for my bus, i'm not sure what time will i reach home. The traffic at my house area is terrible, a mere 5-10min bus journey could take up to 30mins depending on the traffic condition. Yea, i'm not bluffing, it is that bad. Its CRAZY!

Luckily today weather is still fine, otherwise i will be soaked in my own perspiration.

So.... I save time and money and finally i have some exercise after a while =)

Tuesday, September 11, 2007

My 26th Birthday!

10th of Sep is always a special day for me, because its my Birthday!!!

This is also a special day for the Cartier family too, they choose to unveil their newly renovated boutique at Takashimaya on this special day! Talk about auspicious date, mine is definately one! =) *big grinz

Put that aside, its reallie a joyous occassion for me less of course that i was sick on my bday. Birthday is always a day that i will look forward to, for many years, i always sink into a mild depression or PMS you called it a few days leading to my birthday. It's weird or there is some weird philosphy theory behind it, but that's like how it had been for me over the years. This year, that feeling was not that strong, it did have, i guess. But i think it did go away pretty fast, and i'm was pretty happy and relax till my bday.

My bday was on Monday, so it was pretty much a long weekend for me. Dear was sweet, she has always been sweet, i guess that's the most understatement i ever made =) Weekend was good because she was with me, like any other normal weekend, her presense just make weekend better and making monday ever so miserable (because we work the next day you see). This week was even better, because its my Birthday, and we can for once say that we looking forward to Monday and We LOVE MONDAY!hahahah.

Talking about birthday, and you will know that it actually means 1 year older. I pretty fine when i was in my teens, that means i'm closer to being consider as matured! (at least that was the thought / remark that i had then) but when u past the legal age of 21 years old and when u just 4 years before u hit the BIG 3, things dont seems to be the same! I guess different stage of life, u think differently!

I think i made the statement last year, quarter of my life is gone, and what have i achieve!? In fact, it should be more than a quarter, i dont think i ever live till 100 years old. I guess sometimes it good to reallie make time to reflect on one self and finding back the meaning to one's life. I guess i do lots of reflection recently, and i kinda conclude God has been kind to me, and i thank god for that. I'm not a religious person, if u think i am that is. Its just that over the years, many things happen, and i come to realize that everything happen for a reason, and it did make me a better person physically and spiritually.

After 26 years of life on earth, i feel that i'm pretty blessed in terms of my state of health, financial, love life, family bonding, etc.... Though it can be better still in terms of some aspect of my life, but i guess one cant be too selfish to demand the best for everything. Treasue what you have is what i always preach myself, and i'm thankful i'm still in a better position than many, but still not the best position i could be in. One must have dreams and at the same time be contented or treasured what one had at that moment.

I'm pretty happy that after being so busy for so many months, my family life is still in check, there still a great sense of bonding when we do reallie sit down and chat our hearts out.

My love life is blossoming, we been through different aspect / stages of our life, though not yet to our next phase of life, but still we have been there for each other and i guess we matured as a person and our love for each other just grew stronger each and every day.

My health state did went through a few scares, but i guess i still considered pretty healthy to some. =)

My financial situation has been good, though like i say it can be better, but i would say i'm in a better position than i was said 5 years ago, when i was going through a rough patch of cos. But i have bigger dreams to achieve and attain. I dont come from a well-to-do family, in fact someone below average, so the hunger for financial success is strong.

Money is not the most essential things in life some might say, but in this society right now, it is big enough to be the root of all evils. I been through times where money has cause strains in my relationship with my love ones. You cant argue the fact on the importance money played in the modern part of our society. Sad, but its the awful truth of life.

So i'm thankful as it is right now, then all i have been good for me.

My birthday was an eventful one starting for the midnight till the end of Monday. Dear has always been very thoughtful, and she just make my day ever so happening and meaningful. Shall not go through in details because the details should just keep right in heart and was not meant to be shared with anyone else =)

Joy is what i can share =)

Anyway She bought me a Mont Blanc Pen! it was like so ex that i got to think twice, thrice or maybe many more times before i would even get one for myself. Sometimes its not the price of the gift, its the thought and the value of the gift that matters, and to me she just went beyond what i think she would be capable of doing. Its not like she earn tones of money, but she exceptional, she's my Superwoman!

My parents gift was cool, i got myself a limited edition Seiko stopwatch as a bday gift, how cool is that!

My sis, she got me something extra-ordinary, she got me boxer shorts! It's a real weird gift from her though. Hahah...

Maybe i will post some pics soon.

Not forgeting birthday wishes from my colleagues and friends, they are a wonderful lot too, its always bring smile to my face to know they do take an effort to wish me! =)

Lastly, its a real enjoyable bday for me. A real special day, where it will always have a special place in my heart, as well as in my memory lane.......................... =)

Friday, July 27, 2007

Report out

My Report was out last week, everything turn out well. Doc say i'm pretty healthy, which is a very good news for me of cos.

I also recover from my flu bug. So yeap.

Healthy and fit at the moment. =)

I guess staying away from work is good for me. Feel much more relax after absent from work for a week.

GREAT!

Friday, July 13, 2007

Life is so fragile

When i was young, i always think i was different, different as in i'm stronger than normal kids, just like superman or some action hero in cartoons. I always have that kind of mentality that i'm just like superman, until i fell sick. Then i realise i'm just like any other normal kids. Once a while, i will have that kind of feeling till i got sick again.

Although i no longer think that i'm superman, i still think that i'm quite healthy. But this mindset is starting to change. Because when i was young, i can run and play right after i recover from sickness, but right now i no longer have that same level of drive / energy. And i find that i take longer than last time before i can fully recover. Therefore i realise that 1) i getting old, 2) i'm not as healthy

Reason being very simple, i dont excerise that regulary anymore. I use to excerise everyday because i was a swimmer / athlete. Nowadys due to work commitment, and lazy of course, cant really find time to excercise. To be frank, i have been quite paranoid about my health status recently.

Recently, saw on newspaper, that a young triathelete collapse right after a SEA GAMES trial and within hours he pass away. Prior to that he got no known heart problem or whatever. Sports circle is not big, so basically there are friends that i know know him. Then today, my student's friend pass away as well, apparently he was diagnose with brain tumor all of a sudden, and he is only 18 years old!

Its really kind of scary that people so young can just pass away, one day they live life as per normal, then next day they are gone. Its very scary, and it make me ponder that life is really very fragile, you can be very healthy now, but u never know what would happen next. I have heard too many times, too many stories that people all of a sudden are diagnose of certain illness and not longer after pass away.

There are times when i got really sick, then paranoid begin to sink in, i begin to worry will i leave the world if i sleep. Yes, its rather negative, but that the state of mind i'm in sometimes. I was thinking to myself, i still have a lot of unfinish stuff to do, its a pity if i just leave like that, and to think that i will leave all the people close to my heart, its very heart wrenching.

Recently, i find that i can just faint on the spot, dont know why, then sometimes before i sleep, i find that my body feel very different. I dont know whether is it because i am very exhausted because of work, stress or whether do i really have health problem. I just went doc this morning, because i was feeling unwell and go take MC and at the same time, i went to do a blood test for Liver test. There's a few times, where my hand become very red, it was really very red, and dearie's dad say that it might be due to liver problem. Then he begin to tell story. Of cos, dearie begin worried and ask me to go for blood test. Me too of cos, already being paraniod become very worried too. I hope the result will be fine. I hope i'm still healthy. I begin to treasure my state of health as i grow older. I begin to understand why people prefer to die rather than to live life very sickly. The thought of it, really make it feel very painful.

Right now, i always thank god that i can wake up from my bed the next morning. I know i sounded abit extreme, but things can just happen like this, like what was reported on the newspaper, so never take things for granted.

Life is short, and we just live once. Nobody know where we came from and nobody knows where we will go after death. Yes, there are story about ghost, but there are no real proof as of yet. Nonetheless as i grow older, i treasure each and every sec of my life, and like i say, i thank god for able to wake up healthy from my bed the next morning.

I just hope everything would be fine for my blood test. =)

Friday, June 29, 2007

Six month into 2007

Times flies, i havent blog for like 4 months, and yes, i'm having a hard time keeping my blog alive.

This time, i have a valid reason, i reallie dont have too much time because if you know my schedule, you would wonder why do i'm always that busy. Nonetheless i remind myself always with the goals i set the beginning of this year. Yes! I'm busy working hard for my goals, for my new year resolution.

And yes after 6 months into Year 2007, I'm very proud to say that i'm on course to achieve my new resolution, that's to earn $100,000

Its a wonderful feeling to know that i'm on course, but that comes with a price. What prices you might wonder. Very simple, once i earn $100,000 means that my income tax will increase tremendously as compare to last year. It's at least $4000 of tax. Now i really feel the pinch on income tax, but that the price you have to pay if you earn more. That's why by reading financial books, it will helps you understand taxation better and you will try to use the legal loopholes to reduce tax.

Anyway i'm happy that my investment is also reaping good profits.

Will update you more in my next blog entry. but for now, i must say YES! I'm going to reach my $100,000 ! =)

Monday, February 05, 2007

Why do we Invest!?

Time flies isnt it... 30+ days has gone for the year of 2007. Its already the month of Feb. I did state the reason why we should invest. Now i shall briefly run through how again why one should invest. If you have decided to do so, you better read and think about it again.

In order to be rich, we need to invest! Maybe i should put it this way, in order for your money to work harder for you, you should invest. But many will say investing is risky. I have to agree with those people, just like I agree with those people who made the remark of saying driving a car is risky.

Driving a car can be risky when
1) If you fall asleep while driving,
2) If you drive without hands (searching for things, using handphone, etc),
3) If you are not sober (after drinking session)
4) No knowledge of driving a car

But is driving a car really that risky. In fact it's not, it really depend on the individual who is driving the car. So if an individual do not have the knowledge to drive a car, it would be better off for him to hire a chauffer (if he rich enough) otherwise taking public transport is a wise choice.

So investing is the same, you must have the knowledge. If you dont have, it will be better off if you engage a professional to help you do it. Then you will reduce your risk.

By putting money in the bank, is it risky? In fact the answer is YES!

I believe many of you will argue with me that HOW COULD THIS BE. IT IS IMPOSSIBLE!

Let me just say kindly calm down and listen to me.
Firstly, by putting your money in the bank could be risky because the bank might collapse, close down. Yes, it is rather unlikely, but there is still a slight possiblility. Anyway It did happen a few times in different countries before, so dont strike out this possiblility. For your information banks are all private limited.

Secondly is How much do you earn by putting your money in the account. Not much right isnt it. It will only earn you about 0.125% per annum(for most saving account)and maybe slightly more if the bank has any promotion and / or putting a larger amount of cash in a fixed deposit. If you going to have all your money in your saving account, you are giving yourself a big injustice. Yes, it give you alot of liquidity, because as and when you need the money, you can use it. However do you know of such a thing call inflation? Inflation in singapore is averaging about 3% per annum based on the past inflation rate data for 40 years. Its very high isnt it. However in the recent 2 - 3 years, it is only on an average of 0.5%- 1.5% per annum.

So.... What is inflation ? for the benefit of those who dont understand the meaning, it is a rise in the general level of prices, as measured against some baseline of purchasing power. That means that the value of your money will depreciate over time / over the years. Can you recall that a bowl of noodles cost you $1 during 10-20 years ago. But right now, it easily cost you $2.50 to $3.50 a bowl. That's Inflation!

By putting money in the bank saving account, you are not helping yourself, you are losing out. Inflation is eating up your money. Your hard-earned money loses its value over time. What is $1 today, might not be $1 tml or next year. It is of lesser value. Do you think it is Right? Do you think it is FAIR!? I definately dont think so!

It doesnt make sense that your hard earned money is no longer worth that much. Its your blood and sweat, how can anybody just cut the value of your money just like this. But to be frank, that's the reality of life.

So now, does it make sense to you that by putting your money in the bank is risky? So what can you do so that your money dont lose value but appreciate. The only way is...... to have proper investment strategy.

But how do one invest ??? and investing is still risky despite knowing that investing is beneficial. Knowledge and Information is important. If you know something, you can make a informed decision, a better decision. And like i have mention, engage a professional to manage your investment portfolio would be beneficial to you.

"Since Investing is good, i should invest everything, so that my money would not loses it value. " one might asked.

Although we hate the idea of our hard money would lose value over time, but we still need liquidity afterall, therefore it is very important to strike a good balance between having cash and investing. In fact, by investing a portion of your money, it can potentially earn a better interest, and the interest earned could offset the inflation and gain in value as well.

So think about it. I will cover on the next topic on how one could invest, despit many claiming that they have hardly any money left in their saving account every month. I will also show you some of my portfolio that i am investing.

It doesnt make sense if i dont know nuts about investing and yet i keep writing about investing. Just like it doesnt make sense to listen to a teacher, when the teacher do not understand the topic he/she is teaching.

So stay tune, and get ready to INVEST!

Monday, January 08, 2007

A Brand New Year - 2007

*Welcome Year 2007 with open arms!

It's a brand new year, thus a brand new dreams and goals for this coming year.

Its been a great start to this new year so far. STI broke 3000 and recorded historical high. My Parent both strike 4D!, Talk abt being lucky, my mom strike twice!

So far, its already the second week of Year 2007.

I had a lazy sunday with dear, and we were both amazed at the rate time flies. Anyway that's aside, i would want to do a recap on Dec 2006 pretty soon. A month filled with lots of celebrations. (It's the famous festive period for both me and dearie)

Well my New Year resolution would be, to earn my first $100,000!

I will do it, just watch me!

Have a good year and best of luck to your own resolution yeah!

Happy 2007!

Friday, December 29, 2006

Happy New Year 2007 !

Its been a festive season week, and today is the last working day for the many. Its marks the start of a long weekend. Am i happy? YES! Finally i can get some decent rest, lazing around, celebrate the festive season with my loved ones.

Welcome Year 2007 !

Friday, December 22, 2006

3 Days to Christmas!

So fast! Its going to be the end of year 2006 very soon. But before that, Christmas will arrive first.

3 More days! That's how soon it is. Anyway its going to a long weekend! Wooohoooo......

Well just recently i came across this advert, and the moment i saw i know i have to share with you guys. Enjoy it..... This is the perfect christmas present for you guys.... SEXY... EROTICA .... LAUGHTER! hahah...

Take it away.....

Thursday, December 21, 2006

How do you become a millionaire?

The millionaire dollar qns " How do I become a millionaire?"

Now lets list down the no. of ways to become a millionaire.

1) Inherit a million dollars from your passed away parents
2) Win a million dollars from Casino
3) Participate and win the variety show " Who Wants to Be a Millionaire "
4) Queue and pray wholeheartedly that you will strike lottery for a million dollar
5) Buy lots of Singapore Sweeps tickets
6) Work hard to earn a million dollar
7) Try to spot and pick up money on the floor (hoping its a million dollar)
8) Invest your money.

So from this list of 8, which are the likelyhood of us normal people becoming a millionaire?

For pt no. 1, Congratulations! No hard work needed, you are just born lucky! *Claps* How many of us belong to this type of family? If you belong to this type, you probably wouldnt even be bothered to read my blogs as you will be busy party away and driving your porsche, ferrari and picking up hot chicks and having a wonderful time at night.

For pt no. 2, Tell me who can be so lucky!?! Unless you are god of gambler, otherwise if you dont lose until you got no pants to wear you are damm lucky lioaz. If people can win mountains of money from casino, why are there more and more casino coming up in the world!? Why would Singapore suddendly wanna build not one but two casino at one time. Why .. Why.. Why! Are Casino santa clause? Who are the real winner? The Casino or the gambler? Think about it man!

For pt no. 3. How many participant walks away with the top prize " a million dollar " from the show? Yes there's a few. only one handful in the whole wide world. Will you be the one? In fact one of the winner in US is now in jail because he has been in cahoots with the host so that he can win the top prize. You and me know it is so so very difficult. Lets quote places close to our heart, no one in singapore ever wins that game anyway. The qns are so difficult that, is either you know it all or you are so damm lucky that you can answer all the question correctly by guessing (at the latter stage of the game) A million dollar prize money!?! You needs lots of luck!

For pt no. 4, anybody reading this win a million dollar by betting on 4D? I guess whatever you have put in, if you are lucky enough you could win in back at a later stage or at least recoup some of your losses. Of cos there are these minority who just born lucky, they can just keep striking 4D every week. But can their winnings amount amounts up to a million dollar. Its a hard qns because although they do strike 4D every week, but the amount might be less than what the person has placed for their total bet for the week. What bout Toto? Anyway who walk away with a million dollar prize here? Hardly man, in fact, i dont think so. When the prize money snow ball to a few million, and if there are winners for that particular prize. Its normally divided by a lot of winners. So at the end of the day, one person get a million dollar? No way!

For pt no. 5, You have a chance to win $2 million dollars. But seriously, have you came across a person who religiously buy singapore sweeps for at least 20 to 30 years or even more. If yes, then did he/she manage to win that ultimate prize? At least ppl i know didnt, maybe your circle of friends are just luckier. Just maybe ah.....

For pt no. 6, Unless you are a CEO of a company who can get paid millions of dollars a year. Or even a well-known doctor or lawyer by profession. There are also other profession as well, but you and me know that they belong to the elite group, the high income earners. Ask yourself, how many of you guys know of somebody close to you that earns more than $10,000 a month. Majority of us falls into the category of less than $10,000 a month on waged income. With the current income and the current expenditure you have, you get your net saving (good if you still have saving). You do a simple maths, how many years can you save before you reach that million dollar mark? For eg. if you can save a $1,000 every month. You need to save like this for at least 84 years before you reach a saving of $1 million dollar. 84 years ! can you save for so long? hey wait, are you able to save $1,000 every month anyway? Think about it.

For pt no. 7. If you can pick up so much monies then i think you are super duber lucky. Whatelse can i say.

For pt no. 8. Is it possible?? Of course, there every possiblity if you know how to invest. Investment means you take calculated risk in order to generate the returns you required. You heard of people becoming rich through investing dont you. Invest through property, stocks, blah blah blah blah.... But you also heard that people become bankrupt through investing. I would like to point out the fact that, if you invest wrongly, you bound to be at the wrong side of things. People who invest for the sake of investing are not called investing, but rather it is call speculating. And that is no difference from placing bet in casino. You need to be aware of certain situation before you invest, you need to understand before you invest. That's why i said earlier that "investment means you take calculated risk in order to generate the returns you require." Just like when you go for your sch exam. If you dont understand the subject and if you dont study prior to the exam. Do you not think you will fail the exam? It the same for investing. Know the investment instrument, and you will know wat to do with it basically. And all you have to do next is to have "time"
If you look at the top 50 richest people here in singapore, you will notice something that they all have in common beside owning their own company or sitting in very high position of a company.

They INVEST!

So what are the chances for you to be a millionaire from this list of 8?

The choice is yours but the answer is clear for all to see. If you are still confuse, use probablility method to measure each of the listed 8 to see which one give you the highest chances of becoming rich, becoming a millionaire!

Think about it !

Wednesday, December 20, 2006

I'm Back with a purpose ...

Its being 4 months since i last blog. I know i have been neglecting my blog. I have been
1) lazy
2) lack of time
3) too tired to blog

Ok yesh, i might be giving excuses, but well that what life is all about isnt it. Trying to find a good reason to bail you out of trouble.

Anyway i decided that i should blog not just about my personal life, but also some of my investment tips and ideas.

I guess blogging is a good platform for me to share some of my investment strategy and ideas to my friends or like-minded people.

For those who might not know, i have been in the finance industry for quite a while. I dare not say that i had seen enough. Everyday is a learning experience for me, i have been gainning valuable experience as the no. of days past. Being in the finance industry, allows me to be more aware of alot of things.

Wanna be a millionaire? Is it that hard to become one?

I strongly believe everybody is capable of becoming one. It take prudent approach of one when they invest their money. It's not just about being lucky, being a millionaire is not about queueing to buy toto, buying singapore sweeps, or gambling away in casino or even participating "who wants to be a millionaire" show. I'm not saying we dont need luck. We definately need luck and we also need good investment discipline and strategies.

I will share with you guys soon, meanwhile i'm in the midst of updating my entries on braces. (for those who dont know, i have been on braces for close to half a year already)

So till then, stay tune. =)

Tuesday, August 01, 2006

Back to blogging

Its a long time since i last blog. Took a long hiatus from the blogging world. To be frank, i never even visit my own site for a long while. Till that day when my gf told me that my blog is no longer visible. I decided then, its time for me to check it out and do some "blog- keeping". So after many months of complaining from her, it has finally paid off, bcos i'm blogging again. Hahaha..

Its nice to know that some of my friends would still pop by my website once a while to see if there's any update. Many were asking, " Hey your blog no more ah" or question similar to that nature. Well i guess i would blog more often nowadays. However, Dont bank on me too much cos i'm a busy man. Yeap, that's the truth.

The month of Aug would be a pretty busy month for me , follow by Sep, where i will be going to UK. Not for holiday though, but for competition. I guess probably its going to be my last compeition if not probably the last few. I'm aint getting any younger, the fact is that i need to work and train, and that is aint easy. To be truthfull, i hardly have enough time for myself, let alone trainning. So i guess somehow or rather you can see my picture. Furthermore, i need to earn money. I seen ppl the same age as me, getting higher salary. It doesnt feel good man seriously. I seriously thinking of changing job pretty soon rather than staying in my current job. I need a higher pay, a higher challenge rather than staying put with my current job where i dont see myself going anywhere. The only reason why i'm staying put is that i can at least do some weekdays coaching. (Please dont ask me why i could)

Recently alot of concern, issues has crank up my brain recently. Will try to digest abit before i decide to blog about it.

Nonetheless all is good for me so far, and yeaps stay tune.

Friday, February 24, 2006

A long break from blogging.....

Its nice to pen some thoughts in my public diary again. Its been one long time since i last write anything.

Plenty of thoughts but not enough time. Ok, excuses some might say, but well its reallie not easy to sit for an hour to pen down any long journals of my thoughts or whats happening in my life.

I guess those who use to read my blog might have migrated or given up hopes of me blogging again and to me, i think that's great. Dont want my blog to be so public anyway. (read by ppl that i have no associates or detest)

Recently so many blog owner got criticise, got themselves in trouble because of their own blog entires, and i think that just not the way things should be.

Nonetheless will update my recent trips and some pics too.

So stay tuned to Selfestem

=)

Thursday, December 29, 2005


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Saturday, December 24, 2005

Merry X'mas!

Merry Xmas everyone!!!


Enjoy the wonderful long weekend =)

Tuesday, December 13, 2005

Its been a real long time since i update

Taking a look at when was my last entry, it was 25th oct 2005, that means i havent been blogging close to 2 months! terrible!


Alot of things happen, was busy as usual, went to HK in nov, the trip was pretty ok, didnt reallie have any memorable things to cap it all. Nonetheless will revisit HK again. Well the things i bought in Shen Zhen, cant work properly! argh! My 2GB memory card is spoilt! my 4GB flash drive seems to have problem, worse is that i bought another 2 more of the 4GB flash drive. It's so sickening to know that its not in working condition anymore, i dont think i will ever buy any electronic product there. I was still contempleting whether to get an mp3 player when i was over there, luckily i didnt, if not i would have loss even more!


In the month of Dec, i can say that its a month of celebration, i'm not just refering to christmas day, i'm talking bout the no. of things me and my dear gonna celebrate. Yup =)
Oh well still have to thank her for all her understanding, tolerence, love all these period.


I'm gonna have a competition in Feb 06 next year. I dont have a problem with that, but the competition period clashes with 14 feb, valentine day! Now thats a real big problem. Not that i reallie do care abit about it, i mean com'om everyday can be a valentine day, 14 feb its reallie just another advertising gimmick! Companies earn big bucks during that day. I mean i treasure my dearie each and everyday. I appreciate her alot for the things she had done and i do celebrate our anniversaries. I mean on days such as anniversaries, it is reallie special because it reallie just involve the both partner and its a special day because you know how much it meant for both of u. Oh well, as much as we know of this 14 feb gimmick, we as human still falls for it due to influence, blah blah blah, for wadever reason you can think of.


Though gals can say that aiyah 14 feb is just another advertising gimmick, but we all knows gals, their heart just doesnt goes along with their mouth. They doesnt reallie mean what they say sometimes and so yes, guys still need to buy chocolates, flowers, dinners on 14 feb. and yes, i'm now caught in a dilemma.


I told myself that year 2006 would probably be the last year that i'm gonna compete, firstly because my work is piling up and i dont think i can have the time to train for competition in the future. Secondly i would reallie wanna move forward with my career in the future, wait till things are more stablise, then maybe i will start thinking abt sports again, com'om i'm a guy, i need to get my career path settle as soon as possible. Thirdly i'm not young anymore, i need more time to train to condition my body and i cant also afford to keep taking time off and distract my career advancement. So basically i think 06 would probably be the last year i gonna compete before i give myself a break before maybe competiting in the future. Year 2006 would also be lifesaving world rescue (which is equivalent to olympics level) in feb and Commenwealth lifesaving games (which is equivalent to commenwealth games level) in aug/sep. These are the two level i have yet to compete before, and i'm looking to compete in the highest level first before i can put a mini full stop in my sports life before i can concentrate on my career. It would be a wonderful end to my sporting life if i choose not to compete again in future because i know i would have no regrets in the lifesaving sports as i have seen what i wanted to see, and compete what i wanted to compete in the highest level. Its an experience not many can have it. I do not wish to have any regrets just like in my previous sports, Swimming and fin-swimming.


i'm not single now, and i'm in a relationship and i know how much feb 14 does means to a gal and i also do know what is the competition that gonna take place in feb means to me as well, both means just as much to me. For the competition it is something of an olympic level, tell me how many can compete in the olympics and how many can experience from this. To some, it maybe a once in a lifetime thingy. I will be having a selection trial soon, to me, being selected would not be too tough, as i'm one of the better one in that sports, however right now i'm kinda caught in a dilemma. Not just because of 14 feb , but of cos the no. of days that me and dear gonna be apart. I know what she went tru everytime she send me off at the airport and the unbearable feeling of letting me go and the anticipating feeling of waiting for me to come back. All these make me think of whether i do reallie wanna go forward competiting and fulfilling my own personal lifesaving sporting career.


While i'm in a dilemma, someone that closest to my heart wish that i wont get selected for this coming feb trip. To me, i was like ouch! it hurts! it does reallie hurt. To hear that from someone else is already not a pleasant thing let alone it was from someone close to your heart.


I always hear this proverb, "Behind a successful man, there's always a noble woman" This sentence cant go very wrong. I can put everything down and accompany her all day all night, but it is possible? Who is to feed us, who is to earn money, who is to get the things we want in life. To not work hard, and earn loads of money, is it possible?


I know she is sad that i'm going off again, and leaving her behind to wait patiently for my return. I know how it feels to miss someone. I also know how it feels to not be able to celebrate feb 14 with someone you love. i know i know i knows it all. I dont feel good at all too. I miss her just as much whenever i'm away. However that sentence came out from someone i love, someone so close to my heart was something that make me very very sad. I feel like crying, i'm not a crying boy fyi, but i just feel real sad to hear what i heard. i'm speechless... i'm tired... its late, and i'm going to sleep.........

Tuesday, October 25, 2005

Went to my uncle wake ytd, pretty heart-wrenching to see my grandma sitting at one corner. She look so frail and melancholy. Talk to her for a while, it saddens me to see her in her phyiscal shape right now and at times she sounded senile. Who wouldnt be, for she had already gone through real bad times when she lost her husband when the kids are still young, and had lost her youngest son 10 years ago prior to losing her second son now.


My dad's mom (my grandmother) become thin and sickly and acting like a small kid before she pass away. I hate to see elders becoming like this. It scares and sadden me because i cant imagine my parent might one day become like them and for me myself would become exactly like one next time. Why do we have to go tru this? To me it just didnt make sense. Where did we come from and where will we go after we die. If there's life after death, wouldnt it be better that we die when we are healthy as compare to being thin and sickly and senile because when we are dead, we will still be "living" healthy in the other world as compare to otherwise.


I seriously dont understand why people would commit sucide over small matters. If life is a one time love affair with the earth, isnt it so damm precious to throw it away. Its real sad to know that whatever you have work so hard all your life for, you might not get to enjoy it because if you die too early, then that's too bad for u.


Where will we be after death? Will us be forever gone? "Sleeping" for millions of years and losing touch with all our love ones. Why cant we be ard to witness the revoluation of the earth. I would jump into joy if i manage to meet a ghost, spirit of whatever you call it. If we are suppose to be one of them when we are dead, why are we afraid of them, if we will be one when we are dead, doesnt it mean that there will be life after death, wouldnt it be wonderful just to witness whatever gonna happen to this earth and our love ones daily lives.


I'm dead jealous about the prospect of human races able to go for Space holiday, to be able to travel to Mars, Jupiter, just like how all our long ancestors are dead jealous now about us able to travel by planes to different parts of the world for holiday.


Am i able to live that long to see that happening, maybe by then i would have lost my eyesight, hearing, and become too senile to see the world or maybe i would have long been extinct in this world.


I wish i could live life again. There are so many things that i would love to do if i'm able to turn back time.

Monday, October 24, 2005

Finally had a decent rest over the weekend. Feels good to take a break, feeling more re-charge now. =)


Recieve a sad news. My uncle (mom's side) pass away at the age of 40 leaving his wife and three children all studying pri sch. That's reallie very sad. Only know that he was at the hospital ard 3pm and then ard 5 plus, he left the world. Haiz... life is so fragile, unpredictable, and its so so so short.


To me, i feel that Death is not something that is scary, it is scary only because you left behind all your love ones, as well as the things you have work so hard for it all your life. Can u imagine you work so hard for certain things and you cant enjoy the fruits of your labour. That's sucks! Haiz... is there life after death, maybe my uncle can find out now.


What's Life? i cant figure it out, and i guess i wouldnt be able to figure it out soon. It just remind me that i should treasure my loves one always.