I just had a haircut n color. Though not drastic, BUT I forgotten to take pictures! Damn.
Shld have taken photos hor, then can update my readers. HAHA damn.
Anyways, pls go try! Artist Mansion (Nankin Row, next to Hans at Great Eastern), they do hair & make-up too. now coz got opening discount - 20%. next time think u hav to use my BIG name! wahaha
The hairstylist has been doing for 20+ years, so no worries, she is hip and caters to your style yet not too kua zhuang!
tats all!
Wednesday, December 9, 2009
Thursday, December 3, 2009
Lady Gaga
Btw, I'm really impressed with her now! I thought she was a another new singer into the new trend of dancy tracks.. well she had proved me wrong with her BAD ROMANCE!!!
Rah-rah-ah-ah-ah!
Muh-muh-muh-muh-mah!
Rah-rah-ooh-la-la!
Want your Bad Romance
Rah-rah-ah-ah-ah!
Muh-muh-muh-muh-mah!
Rah-rah-ooh-la-la!
Want your Bad Romance
A New Direction
When I first decided to make the switch 7months ago, people were asking why???!!! my family is disapproving, I'm hearing bad comments about how saturated the industry was and how friends wil shun me off. So after much thinking, I decided to join Great Eastern!
Making this decision is huge for me,
1. I do not want to be stuck in a normal 9-5 office job, listening to boss's instruction, doing things for the sake of doing.
2. This was a 2nd chance, I was offered to join them last year 2008 after I've graduated but my mom was not approving and I do not want to upset her.
3. I believe that once I set my mind to it, I can do it! and I wanna show everyone that I can achieve what I wanted.
Coming into this line, allows me to read more on self-development, see-ing things in different light and different viewpt. It is tough initially, learning all that I should know before I'm capable to advise ppl and it is still tough now.
I can say, I'm still learning and will always be, coz there is never enuff. As compared to an experienced agent, ppl would rather choose an experienced one, as they wouldn't know when I will leave the industry or whether I'm up to it. But I'm really thankful that some of my existing clients gave me this chance! to be able to be of svc to them and offering them advise and help and since then we are friends.
To be able to offer financial planning advise to ppl is what I do, it may be due to the bad image casted that ppl are always shun-ning us off. stimes I feel sad, if they hav a gd servicing agent and they are well-equipped in their planning, I'm happy for this group. But moreoften than not, many are not aware what is financial planning all about, and thinks that all agents are just cheating their money away.
If financial planning is so simple, I wouldn't need to go through 3 exams, trainings and more trainings. Every Tom, Dick and Harry and do their own planning, if it is so simple what!
I really feel that financial planning is important whether you are single, just starting your family or in the midst of a wholesome family or even retirement. If you wait till each milestone then you start planning for what's ahead, do you think there is enough time?
Time and tide wait for no man, do you want to regret when it comes or want to be thankful that coz of a mature thinking you had planned ahead and had no problems going into old age.
Anything can happen to anyone at any time, it is only a matter of did u act responsibly nd planned for 'incase' or just 'wait till it comes and we'll see how'. Sadly most Sporeans are like that.
What is financial planning? it is a solution to your problems now n later, ask yourself, do u worry abt having enough money to spend or even eat when you are unable to work? do you worry when illness strikes? do you worry abt your hospital bills if you get hospitalised? do you want to grow your wealth? and in the meantime protect your wealth and make sure when u are not around, your family is able to get 3x or even x no. of times of your wealth? sthing which is not possible by other means. This is what a PAPER can do! the power of PAPER!!
I would also want my family to hav less of a worry without financial burden..
so ppl! think about it! it is not about agents cheating my money, these ppl are ignorant. find out more be4 u sign! trust them!
I come in with this integrity and honesty, coz if I'm the purchasing end, I also wouldn't like to b treated in anyway! I would put myself in their shoes, so all I'm asking is that ppl will put themselves in my shoes. What I earn now is miserly compared to normal jobs and I'm not high-paying enough in my industry (some can even earn up to $5K for new ppl in a mth! P company.. i really dunno wher are their dao-de)
Okay, after saying so much, i feel lighter.. gng for lunch now. Not gng to edit any of the above, gonna b the first time I saying out what I feel.. tata~!
Making this decision is huge for me,
1. I do not want to be stuck in a normal 9-5 office job, listening to boss's instruction, doing things for the sake of doing.
2. This was a 2nd chance, I was offered to join them last year 2008 after I've graduated but my mom was not approving and I do not want to upset her.
3. I believe that once I set my mind to it, I can do it! and I wanna show everyone that I can achieve what I wanted.
Coming into this line, allows me to read more on self-development, see-ing things in different light and different viewpt. It is tough initially, learning all that I should know before I'm capable to advise ppl and it is still tough now.
I can say, I'm still learning and will always be, coz there is never enuff. As compared to an experienced agent, ppl would rather choose an experienced one, as they wouldn't know when I will leave the industry or whether I'm up to it. But I'm really thankful that some of my existing clients gave me this chance! to be able to be of svc to them and offering them advise and help and since then we are friends.
To be able to offer financial planning advise to ppl is what I do, it may be due to the bad image casted that ppl are always shun-ning us off. stimes I feel sad, if they hav a gd servicing agent and they are well-equipped in their planning, I'm happy for this group. But moreoften than not, many are not aware what is financial planning all about, and thinks that all agents are just cheating their money away.
If financial planning is so simple, I wouldn't need to go through 3 exams, trainings and more trainings. Every Tom, Dick and Harry and do their own planning, if it is so simple what!
I really feel that financial planning is important whether you are single, just starting your family or in the midst of a wholesome family or even retirement. If you wait till each milestone then you start planning for what's ahead, do you think there is enough time?
Time and tide wait for no man, do you want to regret when it comes or want to be thankful that coz of a mature thinking you had planned ahead and had no problems going into old age.
Anything can happen to anyone at any time, it is only a matter of did u act responsibly nd planned for 'incase' or just 'wait till it comes and we'll see how'. Sadly most Sporeans are like that.
What is financial planning? it is a solution to your problems now n later, ask yourself, do u worry abt having enough money to spend or even eat when you are unable to work? do you worry when illness strikes? do you worry abt your hospital bills if you get hospitalised? do you want to grow your wealth? and in the meantime protect your wealth and make sure when u are not around, your family is able to get 3x or even x no. of times of your wealth? sthing which is not possible by other means. This is what a PAPER can do! the power of PAPER!!
I would also want my family to hav less of a worry without financial burden..
so ppl! think about it! it is not about agents cheating my money, these ppl are ignorant. find out more be4 u sign! trust them!
I come in with this integrity and honesty, coz if I'm the purchasing end, I also wouldn't like to b treated in anyway! I would put myself in their shoes, so all I'm asking is that ppl will put themselves in my shoes. What I earn now is miserly compared to normal jobs and I'm not high-paying enough in my industry (some can even earn up to $5K for new ppl in a mth! P company.. i really dunno wher are their dao-de)
Okay, after saying so much, i feel lighter.. gng for lunch now. Not gng to edit any of the above, gonna b the first time I saying out what I feel.. tata~!
Wednesday, December 2, 2009
Do You Save More When You Earn Less or More?
Credits to Peter Lim from $avvy Blog Corner.
Do You Save More When You Earn Less or More?
The above question is quite tricky right? Some of us may agreed to say that we can only save more when we earn more while on the other hand, some will say that it’s not how much you earn but rather how much you save that’s important. Personally I find the above statement half correct and half wrong. Let me share with you my opinion =)
Take for example two people, Mr A & Mr B, working in same company holding similar position but A getting $1800 salary and B is getting $2800 (All nett income). They live in HDB. Mr A. is a simple man with simple lifestyle. No dining out after work. Watch rented dvd at home on weekend and no branded things on him. Takes public transport even with his wife. On the other hand, Mr B is someone that dines in restaurant once a week, no branded also but will spend weekend chilling out with friends over movies or drinking session. And of course not forgeting he drives a Mazda 3. Looking at this situation, who do you think saves more money?
I believe that at this point of time the answer is obvious. It’s Mr A =) WHY???
Simple reason is because Mr A has lesser expenses than Mr B since he lives life simply and don’t care about social perception of him being so called ‘boring’ man.
In Singapore, if you are someone who stays home most of the time and wears the same clothing every year and never dines in restaurants, you will really be labelled as boring. And normally such people has lesser friends. I am not too sure but do you happen to have some friends like that and they seldom mix around with the rest right? If yes then I am right! Whereas Mr B is the type of friends that many people like to hang out with because more fun and interesting having him around. He will also be more popular among friends and at least there will be more people turning up for birthday party compared to one that Mr A holds =) However my point is not to discriminate any person here but rather trying to share with you that one can save a lot more just by being boring!
Just take the car for instance: Every month the Mr B will have to spend at least a minimum of $1.2-$1.5k on car expenses whereas Mr A will only need to spend $200-$400 if they take occassional cabs. With the amount of saving that Mr A gets, it is almost equivalent to the differences in their pay. So actually they are getting similar pay in the end. Plus all the chilling out sessions and restaurants & movies, all can add up quite a bit per month. Mr B normally finds difficulty saving up every month whereas Mr A will usually be able to save almost $500-$1000/mth. No wonder the people who can’t really buy insurance or got problem saving up belongs to Mr B type! Looks rich but actually quite empty sometimes.
Using this example, we learnt that it really doesn’t matter if you are earning lesser but more of how much you can save up is more important. However on the flip side, if you are able to maintain a low expenses while earning more money at the same time, it will be perfect! But again being very realistic, how many of us are able to do so? I dare to say that out of 10 people, only 2-3 can do it. The remaining are the type that once income goes up, their lifestyle will also goes up! So end of the day, not much changes.
In the end, it’s really the expenses that matter the most. Maintaining a neutral lifestyle is the best because you can get the best of both world. After all we can’t be too stingy to ourselves after working so hard at work. Decide what is more important to you: Whether life after retirement is important or life before retirement is more important and this will guide you to live your life accordingly.
So do you save more when you earn more or less? The answer only can be answered by you =)
Boring or Interesting person?
PS: It is possible to be an interesting guy with lots of saving too =)
Do You Save More When You Earn Less or More?
The above question is quite tricky right? Some of us may agreed to say that we can only save more when we earn more while on the other hand, some will say that it’s not how much you earn but rather how much you save that’s important. Personally I find the above statement half correct and half wrong. Let me share with you my opinion =)
Take for example two people, Mr A & Mr B, working in same company holding similar position but A getting $1800 salary and B is getting $2800 (All nett income). They live in HDB. Mr A. is a simple man with simple lifestyle. No dining out after work. Watch rented dvd at home on weekend and no branded things on him. Takes public transport even with his wife. On the other hand, Mr B is someone that dines in restaurant once a week, no branded also but will spend weekend chilling out with friends over movies or drinking session. And of course not forgeting he drives a Mazda 3. Looking at this situation, who do you think saves more money?
I believe that at this point of time the answer is obvious. It’s Mr A =) WHY???
Simple reason is because Mr A has lesser expenses than Mr B since he lives life simply and don’t care about social perception of him being so called ‘boring’ man.
In Singapore, if you are someone who stays home most of the time and wears the same clothing every year and never dines in restaurants, you will really be labelled as boring. And normally such people has lesser friends. I am not too sure but do you happen to have some friends like that and they seldom mix around with the rest right? If yes then I am right! Whereas Mr B is the type of friends that many people like to hang out with because more fun and interesting having him around. He will also be more popular among friends and at least there will be more people turning up for birthday party compared to one that Mr A holds =) However my point is not to discriminate any person here but rather trying to share with you that one can save a lot more just by being boring!
Just take the car for instance: Every month the Mr B will have to spend at least a minimum of $1.2-$1.5k on car expenses whereas Mr A will only need to spend $200-$400 if they take occassional cabs. With the amount of saving that Mr A gets, it is almost equivalent to the differences in their pay. So actually they are getting similar pay in the end. Plus all the chilling out sessions and restaurants & movies, all can add up quite a bit per month. Mr B normally finds difficulty saving up every month whereas Mr A will usually be able to save almost $500-$1000/mth. No wonder the people who can’t really buy insurance or got problem saving up belongs to Mr B type! Looks rich but actually quite empty sometimes.
Using this example, we learnt that it really doesn’t matter if you are earning lesser but more of how much you can save up is more important. However on the flip side, if you are able to maintain a low expenses while earning more money at the same time, it will be perfect! But again being very realistic, how many of us are able to do so? I dare to say that out of 10 people, only 2-3 can do it. The remaining are the type that once income goes up, their lifestyle will also goes up! So end of the day, not much changes.
In the end, it’s really the expenses that matter the most. Maintaining a neutral lifestyle is the best because you can get the best of both world. After all we can’t be too stingy to ourselves after working so hard at work. Decide what is more important to you: Whether life after retirement is important or life before retirement is more important and this will guide you to live your life accordingly.
So do you save more when you earn more or less? The answer only can be answered by you =)
Boring or Interesting person?
PS: It is possible to be an interesting guy with lots of saving too =)
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