Saturday, May 29, 2010

Born to travel around the globe

Perhaps, the interest to travel is developed by my upbringing for having kaki jalan parents. Perhaps, it is already within me but whichever the cause I am very much delighted to have such high interest in travelling around the globe.

Long journey but so far, I am still in the category of domestic traveler but of course the experience ones. I dare to say that I have covered the whole Peninsular of Malaysia especially the tourism area. Although the places change from time to time, the evolvement does not alienate my memory.

People say ‘jauh perjalanan, luas pemandangan’ and I could not disagree with that. You see thousands of landscapes, flora and fauna as well as human characters. It makes you learn to observe, think and decide and that makes you a wiser person. Prof Nasa once said to me “ a good doctor is a good observant”.

It has been a few years since I expressed my intention to travel abroad. I was aiming to travel around Europe upon the completion of medical course and I thought it was for sure after the fund has confirmed its status earlier. Unfortunately, I overlooked the weather! If I were to do Europe tour in November, I will only double up the energy use which will make my journey a boring and tiring one with little fun in it. That indirectly means I am swayed away from the objective of travelling. I had already recognized some potential pit stops with my business friends, James and Nani. We planned to touch down in Manchester and depart home from Amsterdam but what is the purpose to walk around when many places are closed in that month?

The plan may have been scraped off but thankfully, we had a list of destinations. We are now seems likely to be grabbing the second option on paper which is at the other end of the initial destination. It will be summer in New Zealand. The Mother Nature is promising although it is always better to think for the worse than to imagine the beautiful ones which will only disappoint you at the end. My brother had lived there for a year and it sounds a great place to soothe the mind before coming into the working life. Hopefully, I will not have problem to realize it and anyone who wants to join us, do buzz me privately :) The more the merrier but of course, not the whole bus lar.

Wednesday, March 24, 2010

Trouble is a friend

Trouble he will find you, no matter where you go, oh oh
No matter if you're fast, no matter if you're slow, oh oh
says Lenka.

After months fighting my own emotion, I am finally there, for sure. Personal re-assessment has confirmed that. The validity of my say is no longer questionable. However, I am quite unfortunate or could also be fortunate for the past few weeks. That’s the dilemma I am having now.

Things happened for a reason and it is inevitable as far as I am concern. The day I decided to sit back and to only jump into action when require is benefitting me tremendously. I am kind of enjoying the ride. It was a little bumpy though but that makes the show interesting!

Anyway, the current situation is a bit complicated. Ah, it was complicated too before this. Ok, less complicated to me but looks more complicated to the audience? Hehe. Al-kisah, it did not happen because of me. The two jerks had a story of their own. Ops! (I am not going to pull it back). The more mature party did come to me for consultation of their crisis but my reply was “Tau pun buat2 tak tau sudah”. The message is clear that is I am not interested to hear about it and so let it remains as it is.

Having fit and suits the new clan of my own, giving me no problem at all to deal with many issues. Yeah! But when brotherhood of two broken, that leaves both party seeking for companions. The immature one was fortunate that there was actually someone of different gender who was ‘looking’. Nah, no comment on their love story. So, what happen to the other one? It leaves me no option but to allow ‘new membership registration’ beyond the market date. *biarlah apa org nk buat kat kita, yg penting we do no revenge! sian jugak if tglkan dia sorang2.

The drama continues with me blaming no one for the never ending story. One thing for sure, I am not going to allow any seconds of my time to involve in their problem. My empty brain is trying to load the space with medical knowledge. Time is already running out and it means, no more emotional thingy! Time will decide when the story ends.

Saturday, February 13, 2010

when 2 is better than 1
this is wat been playing in my mind now. Mom says that i shud get a doctor but i have been against it for many2 years. Perhaps, i shud juz listen to her., the last two of my gud frens have got that some1 and i guess, i shud start hunting now huh??? or play first??? lol..c lah..after all, no money no talk :P n before i decide, i haf to think thoroughly or else, ill b sent down.
but i have got to do it my way. yeah, my way! and so im telling myself...bla bla bla, bla bla bla...amy is perfect! hmm...shes too thin but physical isnt in d criteria :) ops! she has a guy! yeah she is. of cos she is! n tat is d rulz no1: not after sum1 who is attached either in reality or, gota look for sum1 else...from 1989 is tempting but as long as between 1986-1990 will do :) but please, not june28 or else i'll end up having sum1 juz like me..hehe...its interesting if she plays tennis/netball when i play football/futsal, when she likes to be the passenger when i love to drive! but not totally disalligned..when i cook n she likes it too, when i never been serious n she is a joker too :) oh! too many ke??? alamak, perhaps my fren is rite, im undatetable fr d outside n inside :P lol
stil loving tis song. i am soon gona be FREE!!! yeay!!! sem10, i am waiting for u!!!

Sunday, February 7, 2010


Regardless of what solution I tried to come out with, I still could not abstain myself from reading business related articles. Weeks after weeks I have been trying to do it ‘cold turkey’ way but when it comes to holiday, I had to surrender myself and put the white flag up. Obviously, I am not in the period of time to favor my passion ahead of my responsibility. I usually have no problem listing up priorities in life and obey to the demand but this time round I was helpless, swayed by the strong wind that threw me off track. Although in the long run it benefits from various angles in terms of personal finance, I am not going to take any chance or possibility that may ruin my expected graduation day. It is like putting a knife on your throat. Since I had already started to read again, to start on economic fundamentals research, I would continue doing it but only during the break I needed while doing the medical revision.

A few weeks ago, James and I had run a coffee table talk with a few juniors on financial management to share our limited knowledge. It was a closed door discussion, so that we could monitor closely those present from time to time. Economy works on its own and it is not necessarily rely on facts. That is evidence by economy theories. Of course, the statistics data are facts but not what is coming ahead. We could expect micro and macrovascular complications in chronic diabetics but we could never determine the future of economy and stocks. That is the major difference between finance and science. It is as challenging as reaching a diagnosis of the patients’ illnesses.

However, theories, opinions of the expert, feng-shui and the money leaders are all influencing the coming days. When we want to involve in stocks, we should see it both domestically and globally. It is like a food-chain which you could not afford to overlook either condition for balance. In my personal view, I could not ask for a better time to make money other than now. Year 2020 is only 10 years down the road and many steps have been taken to realize previous administrator’s ambition which has also became ours. With NAJIB-nomics are giving some effects to the bumis which, has reduced some enjoyment felt during previous days, it is no reason for us to get angry. Indeed, we should ride with him and feel the peripheral aura just like how the Omaticaya connect themselves with EYWA.

The ruling government has promised a stronger GDP growth until 2020 for us to achieve ‘Developed country’ status. This has indirectly applied pressure to the opposition party if they get to rule. Therefore, regardless of who rules us, we should be able to have good economy growth in line. The people are already annoyed with the dirty politics and that means nothing is more important than the people’s pocket and their children’s education. I am definitely agrees we should be lead by good leaders but it is not our job to ‘punish’ people. One day, the truth will be unveiled. We are powerless if work as one but we are powerful if we take control of our own money.

Besides the NAJIB-nomics factor, the global economic meltdown is actually in favor to make more new multi-figures people. Cheap money is everywhere and benefits many opportunists. Slow growth in the US, Europe nations and Middle East Countries gave time for these people to grow and build cushion to prevent any negative impact that they may face while climbing up the stairs of success. I am expecting more millionaires and billionaires by year 2020 globally. K-economy is already the key factor in some countries and Malaysia is also doing fine while it concentrates to boost its agriculture sector.

This is just the beginning of making money years. We should find ways and do research on funds to multiply our figures. Money does not come easy and never be fooled with those theoretical impossible easy money of ridiculous schemes. Invest in trusted funds. The portfolio you have must not stick to only one. Have various to average any possibility of loss. Equity, commodity, property, bond, cash and a few other elements are important to avoid from acute myocardial infarct or cerebrovascular accident when a crash occur. Have confidence when you invest but do not be greedy as it will never favor you. Good luck.

Tuesday, January 12, 2010

roomates :)

Roommates are as important as good friends. In fact they know you better than some of your good friends. The reason is simple; they live under the same roof that gives them no space to hide their true colors. Of course, there are things about him that you may not know but you cannot afford to neglect him. Somehow, you will get yourself connected with him. I have been changing roommates 5 times in 7 years. Actually, it is 4 times because one of those lived with me twice in different year. Perhaps, it is 3 times because the other one was only on temporary basis. Other than that, it was either I occupy the whole room alone or I stay at home getting the loves from my parents.

There were sweet as well as bad memories. However, if people ask me “will you want a roommate in the future?”, my answer will be “the only roommate I want is my wife”. This is simply due to my bad experience dealing with roommates. The first one who was also my best friend of 6 years had backstab me for women and power. The second one was a pair with different background, culture and sensitivity. The third one was super egoistic immature kid as well as weirdo I say. Out of those, I chose the second experience (see pics), the pair of almost completely different background as my best roommates. We were really like brothers. We never left either one behind for self sake.

On the issue of not so long time ago (of d prvious posts), I do not want to elaborate further as some people may perceive it wrongly. After all, this post was not the one which I wanted to publish so much. I was almost to reveal the unveiled scenario because a friend said before "nobody reads your blog" but i was suprised when some of them came to me and asked. Due to some re-re-reconsideration, I decided to swallow the bitter part and prevent any unwanted consequences. Again, I have moved on and have decided to leave for good. Ya, he and so called his brother have got on my nerve for quite some time but I care no more. I lose nothing. In fact they just lost a good friend in me.


I usually start the year with a boom! which is well translated into my writings. However, 2010 joyous feelings are slightly different. It is not unexplainable but just that I did not find the time to write. I just feel lazy and would rather spend the free time sleeping. Perhaps it was due to a few of unsettled things which took extra mile than I first thought. The prolonged events made me lethargic and even up to now, I am yet unsettled. Emotional issue has been put at the back for quite some time but the physical issue has made some other plans stagnant. Anyhow, I hope things will be okay this year with minimal problem in going through the obstacles that lies ahead. May my stamina remain good and the quality gets better.

Friday, December 11, 2009

Approaching new year

Like previous year, I had a budget done before the new year commence. It is for me to monitor my monthly expenses. Of course, there will be unpredicted expenses as you go along but at least, the budget you set will prevent you from crossing the line excessively. It is something that I learn from my dad. The idea is to allow you to breathe comfortably, enjoying every second without hesitancy.

It is not something against the norm. Our country has its own budget every year to assure that the tax payers money is channeled back to the people for country’s development. You need to understand the flow of your money, your assets and liabilities and many other financial related issues. With that, you will be able to avoid from debt crisis. Remember? God doesn’t like His people to be in debt.

2010 is going to be my last year as a full time student. There will still be a room for me to cry. Tak-apa lah kalau terlebih spend, parents boleh settle. However, that is not the case for me. I prefer to manage my own financial, manage my own problem but to share happiness with them. It is just a preference and not a must for every matter. After a thorough check ups, this year’s budget has increased by 30% and that is a huge sum of money for non-shopping spree person. The global recession has not altered my income or affects me in a negative way but where did the additional money go? Worse still, there is no allocation for a girlfriend for two consecutive years. Am I a nut?

I am just being a realist as I am not attached to anyone to spend my time with. That makes me on a savvy side although practically I see myself as a loser for being single. But then again, it is my choice and it is okay as long as I do not disturb other people’s life. I am happy as I am but this cannot go on for long. There will be a time when I need a sweetheart besides me but for it to happen; the girl needs to convince me that she deserves a place as the special ones in my heart.

I have plans for the near future, for myself and for my brothers. Some of the ideas have been addressed, explained and jotted on papers but implementing action is still some way apart. One will be seen in the first half of 2010, a few will start in the second half and the remaining will be between 2011 and 2012. These are just plans and are subject to changes but I have to be optimistic about achieving it before I can start moving forward.

30% increase till August before it drops 10% in the next 2 months while November and December are put on the KIV list as these are post-exam months. It is an exceptional case. I probably may be away for refreshment in life before a hectic life begins and that requires some extraordinary amount of money. There will be less likely an additional investment for 2010 as I am truly on tight budget.The deficit for each quarter except the last ones is estimated to be not more than 20% of monthly expenses. If more, the deficit correction can only be done after I start to earn. I am not worried of any beyond borders expenses as they will still be compensable. That is why having a budget is far much better than writing down your daily or weekly expenses, which is confusing.