Tuesday, November 30, 2010

Absolute Me (in credit terms)

I just read this blogger discussing about credit card. The blogger's wife commented that when she used to buy things, she didnt buy them with money but emotions. Each time before you swipe the card, you're probably thinking that "It's ok that i can't pay today, I can find a way to pay for it later."


The Present You doesn’t really know the Future You.

"I’ve thought often about how the Future Me always seems to be vastly different than the Present Me — and different than I would have predicted. Yet I used to make dumb decisions in the present as if my future self would somehow develop the superpowers to save me. Instead, Future Me simply ended up cursing my past choices."

I realized that i'm behaving this way everytime before i go on a holiday - drawing the money out from my savings and spending the commission that i have not yet received. Thinking that in the future i will have more extra cash to pay for this. And omg, all these positive thinking happens in a flash and fun-filled excitement when paying for the airticket/hotel online. Although I do have extra cash to spend now than a 1 year back, but the amount is not as much as i had pictured then. So friends, let's try not use ur emotions to make my emotions buy things.

Assess my own accounts, the only part of the Financial Freedom i have achieved now is that i have no debt or liability which i am cautious not to incur any (by not having a car). The more critical part is that i have no Assets and assets takes capital to build which i am at least 2 - 4 years financially lagged behind most of my peers and probably will not have a dual income supplement in the future.


When the Present You is picturing a future you, please try to picture me as an actual Past You (2-4 years ago) cause that's the Present Me. And those already married, please kindly divide by 2 to get the Absolute Me. Thanks~!

Tuesday, November 23, 2010

What are my skills?

Just the other day, I was reading Rich Dad, Poor Dad while pooing in the loo. It was talking about specializing skills in a profession. Like professors, the most common way that they can get a higher salary is by studying more and more about less and less. And its these sort of specialization that makes them more and more vulnerable in the economy. So much that they will be entirely dependent on unions to help them out when shit happens. The chapter straight away made me think of a previous conversation i had with my frens. They were saying that they can teach Chemical Engineering and Hospitality. And i am the Jack of all trades, master of none. To which I said, I would like to set-up and run campus activities.

It just hit me that when i said that, I was in fact choosing my own interest and not a job without knowing it. Though not so much as to be THE passion, but yah, I guess its because i don't have and am not confined to a specialty. And most of all, I like going for road trips, camps and adventure.

What are my skills? I know how to register a business, what are the legal requirements, accounting using MYOB, CPF contribution. Compared to my frens, i think im pretty good with numbers which is always handy in formulating my own excel sheets for splitting up party costs to tabulating mortgage loan interests.

The skills that i need:
- Sales
- Network
- Rapport
- u n L a z i n e s s

Monday, November 8, 2010

Fuck the French

We were all happily drinking at Toca last week and then these 3 french girls came in and decided to just join us. As the alcohol poured and the conversations roll, one of the french lady started the topic (like Hitler clearing his throat)
"So what do you all think of the french people?"
"... I'm not judging, don't get me wrong.. but why don't Singaporeans speak Malay?"

So all of us looked at her with amusement and i was giving the (O_O)"> look. So i said to her, "Cause we are chinese."
"But why don't you learn to speak Malay?"
"Because we are chinese, our ancestors came from chinese and so we learn chinese."
"Yes i know you are chinese, but why don't learn how to speak Malay? Is such a beautiful language."
"... Cause we already know English and Chinese?!"
"I notice that most of the Singaporeans here don't like Malays. And Singaporeans don't seem to like to travel out."
"That's totally not true. You need to know more Singaporeans to say that."

If the French go Australia, will she ask the Aussies if they speak Aboriginal? And then go on to push to ask why don't they eat grubs? It's full of protein!

Language is fluid, it changes as time passes, new words or new ways of saying things are formed everyday. Like in the past, Singaporeans would have told the French girl to "Balek Kampong/Qu Si Ba! Si San Ba!/Go back to France!" But in this current era, we would have gladly said, "You fucking cunt!"

Anyway, the point that im trying to make it that she being a French probably see us Singaporeans speaking English as a form of Westernisation like we're white-washed. But she clearly fail to see that we do still retain our heritage. And our ancestors being immigrants from all over Asia, how many languages does she expect us to speak? Despite majority of Singaporeans are chinese, we should also speak malay?

Then the part about Singaporeans don't like to travel out to places like Indonesia thinking that it's not safe. I suppose anybody thinking that a place is not safe will generally NOT LIKE to travel there?? Well, I have alot of frens that i like to travel with and also, I do have some frens that doesn't like to travel (outside comfort zone, or not). I think her social circle are limited to the Atas type lah, she's an expat. She probably can't find any peers to go 7th Month Getai, chat-tu-chat bargain 20baht or even eat rojak during lunch.

The French are arrogant, ignorant and shameless.