.....times of refreshing.....

While reading  the daily news lately, I came across a section on retirement planning and provident funds. A top minister in Singapore was commenting that we should start our retirement planning as early as possible. This struck me a bit. I've been very bad with my financial planning and can't even control my expenses well, thus, don't even mentioned about retirement planning. Perhaps I really needed to work out from scratch of a long time financial planning , tracking and monitoring.


I read a few books of late on financial planning and the one which I like most is the one written by Azizi Ali, Millionaire are from another planet.

One of the most basic foundation of financial planning is to watch over your expenses by periodically update your expenditure and monitor your cashflow. Work out a monthly and annual budget and try to stick to the budget as close as possible, of course make adjustments from time to time as the budget is just a projection. Save at least 10% of your income monthly and put aside a small percentage for emergency funds. Your cashflow should be ideally expenditure less than income.

Once you have started savings and have a good foundation, start looking out for other side incomes like doing part time work to complement your main income. These are mainly part time jobs and investments.And, continue to do well in your main job as promotions and rewards will lead to more perks.

Time for me to work out a good financial plan...hope it's not too late to do so.... LOL


Proverbs 24:3-4 :-
Through wisdom a house is built, and by understanding it is established; and by knowledge the rooms shall be filled with all precious and pleasant riches.


Proverbs 21:5:-
The thoughts of the diligent tend only to plenty; but the thoughts of everyone who is hasty only to poverty.

I really don't have much time lately to blog as well as read and comment on others' blogs. I also don't have time to prepare for my exam, which luckily I haven't sign up yet. I also don't have time to do some reading on my favorites self-improvement books. And, I only have time for- BOLA! :P Thus, do forgive me if I didn't visit your blog as often as before lately..hahaha...

Btw, I read in the morning paper about a devastating accident happened in Johor where a bright teenage life at his early 20s has been ended. His girlfriend was driving the car and God knows what happened, the car was in a terrible shape after the accident! I'm  sorry for the victim's family but I have no comments on this incident, as to who 'salah'.


However, this brought to my mind on the reckless drivers that I encountered on the highway. They overtook you on the left emergency lane and within seconds, they are back on the fast right lane. Some of them  tailgated you although you are driving at 110Km/h, which is the speed limit. They flashed their headlights at you if you don't give way while on the right lane. They drove so near to your car after they overtook where you have to applied the brake. The list go on....


I wish if every drivers kept to the speed limit, practise a little courtesy on the road, have enough rest and not under stress or under influence of alcohol or medications, a little patience and so on, it will be great driving experience.

Have a nice weekend, folks and Ole Ole Ole.....

I attended a briefing last week by some company eager to clinch some business deals. Almost the whole upper management of the company attended including their CEO. After the presentation, some of the attendees noticed something not quite right with the presentation and later the company realised they make some very 'amateurish' mistakes...something that an account manager or project manager shouldn't be making, especially since it is related to a business deal.


Recently, I read  news that Apple's CEO, Steve Jobs have to endure some embarrassing moments when wifi connectivity is unavailable due to overloading during his important iPhone 4 demo in Apple's premises. This event is to be witnessed worldwide as online videos were immediately uploaded everywhere on the internet after that. He has to cut short his presentation.

If these 'big shots' can make mistake which can be of grave concerns, how about the rest of us? Mistakes always happens and it will happened to anyone now or future, be it a 'small fry' or a 'big shot'. Thus, I feel that  if you made a mistake whether in work or home, do not feel too bad about it as you're only human and not perfect. Moreover, some mistakes could be due to an overloaded schedule in work or stress.

Tell yourself that it's ok to make mistakes though do try your best not to commit one,  if possible. Furthermore, classical stories like Edison , the great inventor, make almost 1000 mistakes before he's successfully invented a lightbulb.