Tuesday, December 29, 2009
Monday, December 21, 2009
时间表已经编排到一月底了，好像很漫长，却让我想起又是想想 new year resolution 的时刻了。
Thursday, December 17, 2009
Thursday, December 3, 2009
B: When there is a shortage of production capacity, more and more questions people will ask if we want to consume the machine capacity.
Here’s the reality. On any given day, your boss, your employer, your clients, they’re scared too. As leaders, their career success has been contingent upon their ability to take risk. Risk is required for innovation and innovation is the name of the game.
Risk is a direct path to fear. If you don’t feel fear, it isn’t a risk. But here’s the key. It’s your responsibility to manage your fear for yourself. Doesn't your boss want you to be honest about your fears? Yes would be the
politically correct answer; No would be the truth. The fact is, fear has this nasty way of feeding on itself. It has the potential to build into frenzied proportions and it can paralyze even the strongest of organizations. Your boss, your investors, and your clients are on the lookout for this.
Big but here—fearlessness has exactly the same effect. Have you ever been around someone who bravely took a risk that made you think, “Could I do that too?” Leaders are always scouting for someone, anyone, who is able to inspire them with a feeling of fearlessness. And mark my words. Fearlessness is something the marketplace values and is more than willing to pay for.
Fate loves the fearless.—James Russell Lowell
Sunday, November 29, 2009
Just saw that November payroll was debited into my account, it is time to pay my DEBTS again, 2 credit card bills, car loan, personal debt, and so on... The money just cannot rest well in my account. Looks like I have to do something about it. The repayment for car loan still 5 years to go, really cannot imagine that, even how did I manage to pay that for the last 2 years? Maybe I just don't want they tow my car away.
Credit card bills are something that I can control, but most of the spending is on necessities like petrol, food and so on. Not really spending a lot on clothes and those 'I want' things. Some more, the telecommunication provider's bill is auto credited each month. I don't feel the pain paying it, but I am paying it every month.
Not to mention about the study loan that I have forgotten about it for quite some time. *blek*
Hopefully, the the investment decisions that I've made can help me to yield something in short and long term, else I cannot see I moving away from this rat race soon.
Cammon.... I should proud that I'm still doing well. So, temporary I don't need this.
Wednesday, November 25, 2009
Malaysia is gearing up to introduce a goods and services tax (GST) with Prime Minister Najib Razak stating that he plans to table the first reading of a proposed GST bill before the current sitting of the Dewan Rakyat ends in mid-December, the Business Times reported. He stressed that the GST - if introduced - would not be effected abruptly, but very gently . It would replace the existing sales and service tax and not burden the poor or middle class, he assured.
Looks like we have to pay more even when you are shopping in hypermarket. That's going to be extra premium on what you are paying for now. I guess Singaporean are more willingly to pay for it, but for Malaysia... erm... you tell me about it.
Monday, November 23, 2009
Saturday, November 21, 2009
Tuesday, November 17, 2009
Thursday, November 12, 2009
Sunday, November 8, 2009
Thursday, November 5, 2009
Wednesday, November 4, 2009
Friday, October 30, 2009
Wednesday, October 28, 2009
Tuesday, October 27, 2009
Modern people lack of excitements, they try to do something different in life, to fill the emptiness and get rid of boredom. Since long time ago, human fix the odds for cock fighting, football tournaments, and even election, now some clever people begin to find excitement in life betting.
Friday, October 23, 2009
Tuesday, October 20, 2009
Sunday, October 18, 2009
Saturday, October 17, 2009
Thursday, October 15, 2009
Wednesday, October 14, 2009
After reading the whole analysis, I really think that I am a self-conflicting person because my risk tolerance and risk-taking behavior are not the same. More towards the safe side. Sienzzz....
Your Risk Tolerance Score
Your Risk Tolerance Score enables you to compare yourself to a representative sample of the adult population. Your score is 70. This is a very high score, higher than 97% of all scores.
When scores are graphed they form a bell-curve as shown below. To make the scores more meaningful, the 0 to 100 scale has been divided into seven Risk Groups. Your score places you in Risk Group 6.
In answer to the last question, you estimated your score would be 70. Congratulations! You picked your score exactly. Most people under-estimate their score by a few points.
Your Risk Group
The description of Risk Group 6 which follows provides a summary of the typical attitudes, values, preferences and experiences of those in your group. Five of your answers differed from this description. They are shown in italics below the relevant section. These differences fine-tune the description to you personally.
Making Financial Decisions
Most commonly they think of "risk" as "opportunity". They have a great deal of confidence, if not complete confidence, in their ability to make good financial decisions and usually feel very, or at least somewhat, optimistic about their major financial decisions after they make them.
They are prepared to take a large degree of risk with their financial decisions and are usually, if not always, more concerned about the possible gains than the possible losses.
You think of "risk" as "danger".
You have only a reasonable amount of confidence in your ability to make good financial decisions.
You are prepared to take a very large degree of risk with your financial decisions.
When faced with a major financial decision you are usually, more concerned about the possible losses.
Typically, when things go wrong financially they adapt somewhat, if not very, easily.
Most have taken a large degree of risk with their past financial decisions. Most have also borrowed money to make an investment. About half have invested a large sum in a risky investment mainly for the "thrill" of seeing whether it went up or down in value.
They feel it is much more important that the value of their investments retains its purchasing power than that it does not fall. Over ten years, they expect an investment portfolio to earn, on average, at least three times the rate from CDs (certificates of deposit). Typically, they would begin to feel uncomfortable if the total value of their investments went down by 33%.
Given these portfolio choices,Expected Return and Risk
High Medium Low
Portfolio 1 0 % 0 % 100 %
Portfolio 2 0 % 30 % 70 %
Portfolio 3 10 % 40 % 50 %
Portfolio 4 30 % 40 % 30 %
Portfolio 5 50 % 40 % 10 %
Portfolio 6 70 % 30 % 0 %
Portfolio 7 100 % 0 % 0 %
where stocks and real estate are high return/high risk and cash and CDs are low return/low risk, their most common choice is Portfolio 6.
It is somewhat more important that the value of your investments does not fall (than that it retains its purchasing power.)
If they were borrowing a large sum of money at a time when it was not clear which way interest rates were going to move and when the fixed interest rate was 1% more than the then variable rate, they would choose to have at least 50% of the loan at variable interest.
Government Benefits and Tax Advantages
So long as there was more than a 50% chance they would finish up better off than if they'd done nothing, they would take a risk in arranging their affairs to qualify for a government benefit or obtain a tax advantage.
Tuesday, October 13, 2009
- It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently.
- Risk comes from not knowing what you're doing.
- You only have to do a very few things right in your life so long as you don't do too many things wrong.
Sunday, October 11, 2009
Saturday, October 10, 2009
Monday, October 5, 2009
Friday, October 2, 2009
Sunday, September 27, 2009
Friday, September 25, 2009
Spending some time to renovate my blog and it is not as easy as I thought. Although some of the functions cannot work, most probably because I don't know much about html. However, I am happy that I am be able to get the slide show done!
* Automatic Post Summarize
* Featured Content Slider
* Adsense ready
* PSD Custom Logo Included
* Youtube Video embedding Integrated
* Fully SEO Optimized
* Advertisement Block Ready
* 3 Columns
* Social Bookmarking Icons
* Twitter Updates widget
* Feedburner Email Subscription ready
* Thumbnails on Recent Posts in Sidebar
* Integrated Search box
* Beautiful top Navigation bar
* Cross-browser compatible
* and many more....
yeah yeah... I have got the Manchester United 2009-2010 Home shirt/jersey, it is a gift from my brother. I must pick a Man Utd match day to wear it already after watching the thrilling 4-3 derby victory against Manchester City.
Thursday, September 24, 2009
刚从 Gem Island 回来，和女友在那私人岛过了开斋节，享受到温暖的阳光，美丽的沙滩，还后很多很美丽的珊瑚，只可惜没有很多浮潜的机会。
Monday, September 14, 2009
Sunday, September 13, 2009
Friday, September 11, 2009
Ohh... first, I though here comes another alien movie, expecting something new. In fact, there is something new or freash, I did not see aliens, but a lot of prawns out there. OMG... since when that aliens become the victim of human being on the earth? I never saw not so good looking alien so tame... cannot imagine.
Monday, August 24, 2009
Tuesday, August 18, 2009
Monday, August 17, 2009