Life is not as structured as you think when u step out of school. Since young, everything seems to be prearranged. What u need to do is all set for you. But the moment you graduate, things start to change. There is no longer a benchmark to what you are supposed to do and what results you want to yield. There is no more guidelines to how far you have achieved and what u need to achieve.
So what paths are you looking at?
Career orientated.
Be a good employee, climb the ladder and earns a stable income to provide for yourself and family.
Entrepreneur orientated.
Able to take risk, business orientated and want to build your empire. Full focus on your business development
Future orientated
Worries about the future, always think about more things to do and what to do to secure a better future.
Family orientated
Be a house person, go home to be with family and kids. Enjoy the comfort of family lifestyle and no interested in anything happens outside the house.
Self orientated
Only cares about now and yourself. Do whatever you are happy, no doubts and worries about future. Life live now and talk later.
Competitive orientated
Always out to outwin others, Wants to have everything and wins in every aspects.
So many path in life and so many ways to lead your life. Life no longer have a right or wrong answer and just on how you want to live it. The fact of all is that you cant have the best of both world. Everyone has 24 hours. If you want to be a good employee, businessman, you cant be a self orientated or a family man. There is simply no time for the best of both world. Thats why this lead to the famosu quarter life crisis and mid life crisis where everyone thinks about what is right and wrong and what should be done.
QUESTIONS and QUESTIONS pops up!!! What else i should do to make things better. should i quit my job and do things i want. If so what happens to the well being of the family. After some time, u also wonder, what you really want to do in life. What are the things you want to accomplish in life. Is life really fragile or strong as you see. Is the time and air you breathing now is eternity? Is what you are working for worth your effort or just wasting time away? If not, due to the circumstances, what else can you do? and even if you accomplish what you wan to do, what else should i do? and if i really do things i like, is it really make me useful or just simply wasted.
There is just simply no answer and its really hard to balance. Life is Fragile as we know, Life is short as we know, yet almost all of us spend 3 quarter of our life working and we only complain that we do not have time. And while many are building up their wealth and dreams but they are not eternity or forever, there is still an end to everything. So whats life.
Thursday, April 25, 2013
Monday, April 15, 2013
A lesson on financing loans
When it comes to loans, it seem that everyone is leaving it to the agent or financial planner to settle everything. However, have you thought that they are the devils themselves. why they help u plan because they earn a cut from you. For example, if you have a loan to finance and u have the money in the bank, they will still ask you to invest and slowly finance the loan even though the investment is not guanranteed and the returns are less than your interest paid for the loan. Why? because they get commission.
Basic rule, is loan as much as u can as an entrepreneur so that you can do more with min cash output. but the assumption is 0% interest. yet most people misunderstood and start taking loan from housing, car and even your electrical appliance. And earning 0.0025% interest by keeping the money in the bank. In absolute value, you pay so much more for the things u buy.
My take, if you have no use for the money and you have no ways to grow the money that is more than your interest for any loans you taking, pay back your loan. In absolute monetary value, it is still more worth it than taking up the loan. Dont forget, they give you loan so they earn, zero sum game, they earn you lose, so why take up the losing game when you have the ability to pay back.
Eg if you have $10,000 in the bank generating $25 interest, why dont you back back to the loan that is $10000 that charges u $600 interest. Dont u think that is pure stupidity?
You will question, may be i need the money. So comes the next basic rule, emergency cash is 6 months of your expenses. If you spend $1000 a month, u need at least $6000 in the bank to back u up. thats all. and dont forget you still have your job, u still earning a living. so why be a idiot to keep financing loan and not enjoying freedom from liabilities.
Basic rule, is loan as much as u can as an entrepreneur so that you can do more with min cash output. but the assumption is 0% interest. yet most people misunderstood and start taking loan from housing, car and even your electrical appliance. And earning 0.0025% interest by keeping the money in the bank. In absolute value, you pay so much more for the things u buy.
My take, if you have no use for the money and you have no ways to grow the money that is more than your interest for any loans you taking, pay back your loan. In absolute monetary value, it is still more worth it than taking up the loan. Dont forget, they give you loan so they earn, zero sum game, they earn you lose, so why take up the losing game when you have the ability to pay back.
Eg if you have $10,000 in the bank generating $25 interest, why dont you back back to the loan that is $10000 that charges u $600 interest. Dont u think that is pure stupidity?
You will question, may be i need the money. So comes the next basic rule, emergency cash is 6 months of your expenses. If you spend $1000 a month, u need at least $6000 in the bank to back u up. thats all. and dont forget you still have your job, u still earning a living. so why be a idiot to keep financing loan and not enjoying freedom from liabilities.
Wednesday, March 7, 2012
Hey Stop Pushing
Why do humans has unlimited wants? Why baby can be facinated by things dropping down and a light that illuminates while an adult need to have many wants like a house, car, career and many others... why life is being more and more competitive when we grow up?
Taking a step back, years ago, maybe 5 years back, life is just so simple, work as an instructor, earned enough with excess to be with a girlfriend and owns a car. Most importantly lots of free time. Then my parents come up with a resolution. You need to go University. ok so i went.. while maintaining my swimming. So called quite well paid student ever.
Then after graduation, comes with the proposal of marriage. ok i getting married.. starting a family.. then comes another thought from my in-law.. go to work and find a proper job. ok soon enough, someone introduced me a job and i got in.. great company, great colleagues great job scope. very satisfied.. then another thought comes. "Its time for you to get a house, when u getting one, why havent get one, If i know earlier, i will not let my daughter marry you. why you all like to jump step" these statements keep coming.
However, it has not become a must yet till my little princess arrives... The ultimate Push came "If u not going to buy a house, i will bring angela and vionna back" Cool.. i am legally married you know. Then, being well in love and sentimental, a house was purchased within a week. Power right? who can buy house in a week.
Then my hope of things settling down is there, and comes the major downturn in my life. my grandma passed away, my one and only most concern and loved one passed away ( take note, my love for her, way surpassed my parents). i lost my pillar, i at my downhill.
My loss was immediately occupied with job and renovation of the house. so i dont need to think too much.. I trying my best to get away from free time but no one understands... till date i still trying to keep myself occupied.. flashback of her always come back.. and no one knows.
After we move in to the new house, thought everyone can be together, and lived happily ever after.. but i guess that is only Fairy tales.. i want my baby back but she cant come back, i want my baby go yet she cant go there.. so what the fuck!!! And here comes!! when i hope that my baby can stay with me, while at least she knows i am alive, they have reasons and not wish to come and can put the baby with them to take care and when i give in to put the baby there, they also have reasons that they cant take care. and so back to the state where she will come stay with us.. And then the funny thing came.. " I hope to bring her back for 2 days" she said. and i said no.. but eventually becomes yes. since my uncle said so.. haha.. irony.. i never get what i want in life and only if i dont want it, then i cant shake it off.
And when my in law will take care.. condition, angela goes with it. o.. back to the same old saying in paragraph 4. And what is the best part, thought that i have won the heart of someone over including signing a lifetime contract and bought a house, she even if early release, she still prefer to stay at home. not mine. So what is my want? i dont know. what do i need i also dont know.. Who do i have? i dont know too..
If vionna becomes the triumph card over who has the say. .then i lost. coz i dont know how to take care of her, i dont have the time to take of her.. i am constantly threatened because they can take better care of her. so how happy can i be?
In logically sense, after losing a love one is so painful, why dont i try to forget the new one as well. then i may feel better.. The best thing in life is to let go isn't it. Since we don't have in the first place, why so stubborn to want to have it now. and struggle to have it. Am i too stubborn? Or am i too sentimental? OR Am i just stubbornly sentimental? Or is my sentimental is just one of the many wants people wants? haha..
My conclusion, People has many wants, i think i should try to focus on other stuffs..
Taking a step back, years ago, maybe 5 years back, life is just so simple, work as an instructor, earned enough with excess to be with a girlfriend and owns a car. Most importantly lots of free time. Then my parents come up with a resolution. You need to go University. ok so i went.. while maintaining my swimming. So called quite well paid student ever.
Then after graduation, comes with the proposal of marriage. ok i getting married.. starting a family.. then comes another thought from my in-law.. go to work and find a proper job. ok soon enough, someone introduced me a job and i got in.. great company, great colleagues great job scope. very satisfied.. then another thought comes. "Its time for you to get a house, when u getting one, why havent get one, If i know earlier, i will not let my daughter marry you. why you all like to jump step" these statements keep coming.
However, it has not become a must yet till my little princess arrives... The ultimate Push came "If u not going to buy a house, i will bring angela and vionna back" Cool.. i am legally married you know. Then, being well in love and sentimental, a house was purchased within a week. Power right? who can buy house in a week.
Then my hope of things settling down is there, and comes the major downturn in my life. my grandma passed away, my one and only most concern and loved one passed away ( take note, my love for her, way surpassed my parents). i lost my pillar, i at my downhill.
My loss was immediately occupied with job and renovation of the house. so i dont need to think too much.. I trying my best to get away from free time but no one understands... till date i still trying to keep myself occupied.. flashback of her always come back.. and no one knows.
After we move in to the new house, thought everyone can be together, and lived happily ever after.. but i guess that is only Fairy tales.. i want my baby back but she cant come back, i want my baby go yet she cant go there.. so what the fuck!!! And here comes!! when i hope that my baby can stay with me, while at least she knows i am alive, they have reasons and not wish to come and can put the baby with them to take care and when i give in to put the baby there, they also have reasons that they cant take care. and so back to the state where she will come stay with us.. And then the funny thing came.. " I hope to bring her back for 2 days" she said. and i said no.. but eventually becomes yes. since my uncle said so.. haha.. irony.. i never get what i want in life and only if i dont want it, then i cant shake it off.
And when my in law will take care.. condition, angela goes with it. o.. back to the same old saying in paragraph 4. And what is the best part, thought that i have won the heart of someone over including signing a lifetime contract and bought a house, she even if early release, she still prefer to stay at home. not mine. So what is my want? i dont know. what do i need i also dont know.. Who do i have? i dont know too..
If vionna becomes the triumph card over who has the say. .then i lost. coz i dont know how to take care of her, i dont have the time to take of her.. i am constantly threatened because they can take better care of her. so how happy can i be?
In logically sense, after losing a love one is so painful, why dont i try to forget the new one as well. then i may feel better.. The best thing in life is to let go isn't it. Since we don't have in the first place, why so stubborn to want to have it now. and struggle to have it. Am i too stubborn? Or am i too sentimental? OR Am i just stubbornly sentimental? Or is my sentimental is just one of the many wants people wants? haha..
My conclusion, People has many wants, i think i should try to focus on other stuffs..
Friday, March 18, 2011
Buying house.
Lifes hard in Singapore or i would say everywhere, unless u are someone with silver spoon. Getting a house seems even harder when the days go by. Yet, there has been constant buzzing from everyone around to ask me to buy house. So what can i do? Am i up to it? With pricing so high, it also dont seems a good choice to get a house.
Still trying to think if i should just get a job or start a business or help my mom? no one can give me an answer. Lately with powerful winds and rains, my legs are giving way. yet no one knows. so i dont know how long i can go on before something big coming. So here comes. Jacer has an unstable income, unstable family to cling to, and everyone expects him to work for practically free of charge. So how? Financial problem, physical and emotional stress. no one knows. even those who really know wont help.. so thats life.
As for the other half. someone who has not shown any capability to look after a house as yet and best still some thing big or i should say small is coming up and more stuff to look after. Then when these things happen, life seems even more bleak. Havent really seen her working out as a housewife and with a job on hand, a baby to handle. will a new household burden can sustain. so tell me what to do?
Still trying to think if i should just get a job or start a business or help my mom? no one can give me an answer. Lately with powerful winds and rains, my legs are giving way. yet no one knows. so i dont know how long i can go on before something big coming. So here comes. Jacer has an unstable income, unstable family to cling to, and everyone expects him to work for practically free of charge. So how? Financial problem, physical and emotional stress. no one knows. even those who really know wont help.. so thats life.
As for the other half. someone who has not shown any capability to look after a house as yet and best still some thing big or i should say small is coming up and more stuff to look after. Then when these things happen, life seems even more bleak. Havent really seen her working out as a housewife and with a job on hand, a baby to handle. will a new household burden can sustain. so tell me what to do?
Saying Sorry...
Do you feel that as we get older, we feel more stubborn and will not say sorry for anything we do. And even if we are in the wrong, as best as possible we will try to let the news past without any actions. Even for family members, when one is wrong, it is still very hard for one to say sorry. WHY??? is it becuase of me or not?
It seems so hard to communicate. It seems so hard to breathe even to see your own father. Just feel like strangers. I seriously dont know if its norm for a family or just my family. Looking at my wife's family, everyone are harmonious, everyone are loving each other, conflicts resolved quickly and no offences. But in mine. Each mistake is death sentence. Or even if you dont do anything wrong you still seems to be in the wrong. So why is that so? why is life so hard?
So the end, we are strangers!
It seems so hard to communicate. It seems so hard to breathe even to see your own father. Just feel like strangers. I seriously dont know if its norm for a family or just my family. Looking at my wife's family, everyone are harmonious, everyone are loving each other, conflicts resolved quickly and no offences. But in mine. Each mistake is death sentence. Or even if you dont do anything wrong you still seems to be in the wrong. So why is that so? why is life so hard?
So the end, we are strangers!
Monday, March 14, 2011
Tuesday, January 18, 2011
Rather be single!!
Its been 3 months through my marriage with a baby on the way, but i still feel like being single. why? because i still love to sleep in a queen size bed just for myself. Enjoy the tranquility of sleep in the middle of the night and not have spoilt radio playing whole night long. Enjoy being myself and freedom for myself. Maybe the theories behind "Sex and the City" are true not only applies to the westerners but the easterners.
And the angry thing is the little bastard on the way. Everyone seems to be very happy for the baby and gives me tons of stress. Cannot do this cannot do that. Fine. no problem. Then everything start to change. The bastard extinguish all love that suppose to have for couples. That very bastard will haunt you for life. Should have follow the trend and not listen to gov. Shit!
So why dont we say single still better. Just like a gambler. At least you dont have to show hand. you still have chips on your side. still can place bid on other places. And so all casinos will welcome you. Once bankrupt. not only other casinos turn you down, but the one that you only visits turns you down too.
And the angry thing is the little bastard on the way. Everyone seems to be very happy for the baby and gives me tons of stress. Cannot do this cannot do that. Fine. no problem. Then everything start to change. The bastard extinguish all love that suppose to have for couples. That very bastard will haunt you for life. Should have follow the trend and not listen to gov. Shit!
So why dont we say single still better. Just like a gambler. At least you dont have to show hand. you still have chips on your side. still can place bid on other places. And so all casinos will welcome you. Once bankrupt. not only other casinos turn you down, but the one that you only visits turns you down too.
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