Bali Family Trip 2010 -DAY 1

Date  : 14/2 - 17/2 (CNY 2010)
Place : Bali

Participants : Dad, mum, GX,CK, WX + Leanard and me.

KK unable to follow us although tickets already bought.

Transportation
AirAsia =  RM110 round trip per pax.
Bali driver (Ngurah Ketut) for 3 days = RM374

Welcome! This is the first time ever experience for our family to go traveling during CNY.

                    14th Feb 2010 - DAY 1 


On 14th Feb , the first day of CNY, we set off at 9am. We headed to Putrajaya Lakeside Seafood for lunch and Yee Sang session.

The beautiful lakeside scenery at Putrajaya Seafood Restaurant

Mum is making the funny pose

"Huat arrrR!! "

Dad got a coupon for beer and Yee Sang.

"Gong Xi Fat Choy!!! "  
From the Tan's family.

Next we parked our car at Putrajaya Central as this is the only place where you can park for FREE and security patronizing the car park hourly, connected to KLIA via KLIA Express.
We took KLIA Express to the airport.

I traveled in MAS because AirAsia ticket price had gone up so much when i wanted to purchase.
I was upgraded to MAS business class when there is no more economy seats. Wahoo!





First time ever in the business seat. a crew specially reserved to serve the eight of us in business class. The food and beverages menu are also different from economy. Luxurious!

I arrived at Bali 2 hours earlier than them. (MH853 1450-1710). I hired a taxi to check into Kuta Tune Hotel to check whether the room condition is acceptable.
I waited at Ngurah Rai Bali Int Airport arrival hall impatiently, looking at the announcement board impatiently.


Their AirAsia flight - AK366 1700-2010, finally landed at Bali. They walked out at 8:30pm, smiling faces and excited breathing the Balinese air despite an exhausting day.

"Welcome to Bali!"  the eye catching board welcoming our arrival to this Romantic land with golden rays of sunset.

Our driver, Ngurah Ketut was at the airport waiting for us with my name on his little board which he is waving frantically. He could hardly understand English, luckily we are able to communicate in Bahasa.

Accommodation at Kuta Tune Hotel is RM35 per night per room with 12 hours aircon.
My parents love the bed and shower in Tune Hotel, they pointed out : " We only spend a night in the hotel, as long as the aircon, bed and shower is super good which I am more than happy!"
WX said :" The powerful shower washed away my ache/sore, the 5star bed recharged my body to its MAX!"

I knew 2 nights stay in Kuta and Legian Tune is the perfect choice.
"Again, Tony is on the right track.." I think.

After everyone bathed, we had our dinner Made Warung, recommended by forums and travel books for its avocado juice. After a filling and sumptuous meal, the bill was RM89.01.

"It is definitely not cheap." dad commented on our first meal.
We nodded in agreement.
The first day ended with our taste buds satisfied by the creamy avocado juice. yummMMMY!!!

.

                  15th Feb -  DAY2

The bed is too comfortable making everyone too lazy to wake up. Before 9pm, Ngurah was waiting in the hotel lobby. We had a simple breakfast, which the food is the most awful and cost us RM52!
We began moving north. We stopped at a handicraft market on our way north. Shopping haven for the ladies. Bought bracelets, shorts, shawls etc We reached Kintamani at 2pm for buffet lunch. We missed the spectacular volcanic mountain view due to heavy mist and clouds. The wind is chilling and environment comfortable.


Next we visited coffee/coco plantation. An educational trip here, to see how the coffee beans are cooked.

闲言闲语

A 君，很合眼缘，共处的时光里，几乎无所不谈。
或许他是很好的聆听者，无论吃饭，读书，游戏，出街总是让我在发表“博士“伟论，
我也借此管道宣泄我爱分享的个性。
他总是默默的在听，不时来几句赞美语，让我一发不可收拾。
  我的以为认识了投缘的知己了。


A 君呢，其实十分好胜，这也许造就他今日的成功。
  他有着那种要超越周围人的企图心，
曾经说过，“证明给我看你多强，我会强过你“
  我不以为意，只觉得这是健康的学术竞争。

慢慢的， 他开始与我的朋友组织关系，
   他组织朋党，
   我越来越少受邀出去，
   我被边缘化了，
   我的曝光率少了， 
   我几乎被遗忘了，
   可笑的是，我浑然不知，
A 君仍常常伴我左右，
我一厢情愿的以为我和A君异常投缘。

直到有次聚会，几位昔日的好友突然冷言相待，
身为知情者的他呆坐在旁，也不肯出言相助 。
我开始怀疑事有蹊跷，
   又发现好几次A君借故离开，说有约会，我以为是他女友，
   谁知都是整班我们的朋友， 为何就不能叫买我一起去呢？

   慢慢的发现，我对他的了解十分有限，而他对我的背景却了如指掌。
   他之所以默默聆听，或许是要了解对手，
孙子兵法：知己知彼，百战百胜。
   眼见学术上无法超越对手， 只好从其他方面下手。

其实，或许是我说话的嚣张，锋芒毕露而招来憎恨和嫉妒，
对我来说，我毫发未损，损失不大，
本也无需理会他。

   我有感而发的是人类的 “好胜心“
   这好胜心本事好事，能鞭策人努力向上，激励自我。 
   但是，若经过鞭策和激励后仍无法达到理想的位置时，
   情况会否因此起了一百八十度转变？
   为了超越对手，趋向极端，　甚至不择手段造成毁灭性的伤害也在所不惜。
   岂不可怕？
   水能载舟，依能覆舟。

   就看个人的本性了！

现实生活中，无论政治和职场上不乏口蜜腹剑，笑里藏刀之辈，为了权利和金钱，不惜接近对手借以除之而后快。

这不愧是个社会大学！

Free Money

"There is no free lunch in the world", this had been the old teaching that our parents/elderly advised us. This the the word of wisdom, which I am nobody to challenge that. At the same time, we are using our creativity to scout for "free lunch" in the world. Lets start the series with the introduction to ASB investment by PNB

ASB loan - Amanah Saham Bumiputra for BUMIPUTRA only

So how's the free lunch work here? Nowadays some local banks such as RHB and CIMB offered ASB loan for those interested to invest in ASB but do not have capital, a chance to invest.


Here is how the magic works:
According to the ASB loan repayment plan with current BLR = 6.30%
Subscribe to ASB loan RM100,000 for 15 years.

Monthly installment for 15 years = RM786
Yearly installment for 15 years = RM786 x 12 = RM9,432
Average ASB dividend = 9.5%
Yearly dividend = RM100k x 9.5% = RM9,500

Net gain = yearly dividend - yearly installment
             = RM9,500 - RM9,432
              = RM68


You TOTAL investment is just RM786 x 12months = RM9,432 paid in advance for the first year.
The end of every year you gonna earn RM68 and  RM100,000 for you after 15 years!

Invest RM9,432 for the first year then sit there do nothing and get RM100,000 after 15 years, 

isn't it FREE MONEY??? 

Scenario A : 

You refuse that subscribe to ASB loan because you think you are not stupid enough to let bank earn interest on you. 

Let see!

You invest RM768 every month for 15 years
Yearly investment = RM768 x 12 = RM9,216
with 9.5% yearly dividend from ASB,
 RM9,216(FVIFA i=9.5%, n=15) = RM 281,458.767

Your asset after 15 years = RM281,458.767 

Scenario B, you apply for the ASB loan, 

Subscribe for ASB loan RM100,000 for 15 years
with the same commitment of RM768 monthly,

ASB year dividend 9.5% = RM9,500 reinvested into ASB fund for 15 years
                                      = 9,500(FVIFA i=9.5%, n =14) + 9500
                                      = RM265,785.11

Total asset after 15 years = RM265,785.11 + RM100,000 = RM365,785.11

Total asset in scenario B is 30% more than scenario A, you think you are acting smart, but the number tells!


Two assumptions made for calculations above:
First, assume that BLR is fixed at 6.30%
Second, assume that ASB is giving dividend 9.5% a year.

BLR will float freely, which when BLR increases, interest increases, and ASB dividend will increase too. If you are worried of the BLR fluctuation, subscribe to ASB Islamic loan, which fixed theprofit rate (int. rate).
The rule of thumb is to make sure ASB interest rate is higher than the BLR rate, then u are on the winning track for FREE MONEY.
For the past 2 years, BLR is below 6% and ASB is giving 8.75 and 8.55 respectively.

Question : What if i cannot afford RM786 installment every month? Should i choose ASB loan with lower amount or longer repayment period?

Try to choose the maximum ASB loan allowable for each individual which is RM100, 000. This is to maximize amount of dividend payout.
Our bank  understands your difficulty and has another attractive ASB package where you pay for 3 years interest before paying for principle+interest after 3 years.

For RM100,000 ASB loan (3 years interest + 14 years principle+interest)
Monthly installment for the first 3 years = RM429

Yearly installment for the first 3 years = RM429 x 12 = RM5,148

Monthly installment from year 4 - year 18 = RM989.00
Yearly installment from year 4-year18 = RM11,868

Yearly dividend for ASB @9.5% = RM9,500

For the first 3 years, you pay RM5,148 and receive dividend RM9,500 yearly.
Yearly earning = RM4,352
Total earning for first 3 years = RM4,352x 3 = RM13,056

From 4th year to 18th year, your investment per year = RM11,868 - RM9,500 = RM2,368
Your monthly investment = RM197.33

Your total investment = RM2,368x 14 - RM13,056= RM20,096

Invest total RM20,096 over 17 years and get RM100,000 after 17 years, with free cash flow of RM13,000 in first 3 years, isn't it FREE MONEY???  

For your information, the ASB loan is reducing balance method, which means you can pay more when you have extra cash aka. use your RM13,000 from the first 3 years to pay for your debt, which reduce your monthly installment later. However, I still advice you to buy extra ASB units for the RM13,000 you get from the first 3 years, which will be explain in the final scenario of the article.

Question : So what if I just want FREE MONEY and don't want to make repayment for the principle? 

We have all kind of request, earning free money without effort is frown upon, however to align with the topic of this article, i will still share how you can earn FREE MONEY without paying the principle, but for illustrative purpose only.

Subscribe to RHB EASY ASB loan (only RHB EASY offers first 5 years pay-interest-only loan)
RM100,000 for 5 years interest and 20 years interest+principle repayment plan.
Monthly repayment = RM429
Yearly installment = RM5,148
Yearly ASB dividend @9.5% = RM9,500

Total earning for 5 years = (RM9,500 - RM5,148) x 5 = RM21,760
At the end of the 5 years, cancel the ASB plan,
The bank will then proceed to sell the RM100,000 they hold on behalf of you as collateral, and charge 1% early exit fees (RM100,000 x 1% = RM1,000)

Total earning = RM21,760 - RM1,000 = RM20,760 FREE MONEY!!!

Over 5 years you paid (RM429x60 = RM25,740) and earned (RM9,500x5= RM47,500) which is RM20,760 net gained. ASB dividend is paying for your interest , isn't it FREE MONEY???

p.s. provided you have enough capital for first 12 monthly installment of RM429 per month.before you receive the dividend in the 12th month.

Question: If I have RM100,000, should i subscribe for ASB loan or directly buy RM100,000 ASB? 
Use ASB loan

Scenario A, Buy RM100,000 ASB

With RM100,000 investment in ASB , 9.5% yearly dividend compounded for 15 years = RM390,132
Total asset after 15 years = RM 390,132

Scenario B, Buy RM100,000 ASB and subscribe to RM100,000 ASB loan,

Use first RM100,000 to buy ASB, subscribe to RM100,000 ASB loan,
Yearly dividend = RM19,000
Yearly repayment = RM9,432

Net gain = RM19,000 - RM9,432) = RM9,568 per year for next 15 years
RM9,568 per year for next 15 years with 9.5% compounding
=  9,568 ( FVIFA i=9.5%, n=15)
= RM292,208.93

Total asset after  15 years = RM292,208.93 + RM200,000 = RM492,208.93

Scenario B has RM100,000 more than scenario A for using the ASB loan facility!!!

In short, try to maximize your ASB as early as possible, set it your target to maximize it with all the wealth you have, there is no country like Msia which offers such product at almost risk free.

Problem encountered: 
Most ASB loan subscriber are not discipline enough to save the dividend for consecutive year monthly installment. In fact, many of them will spend the dividend in less than 3 months they receive it, resulting in difficulty of ASB loan repayment, and fall into the trap of vicious interest cycle.
CAUTION : Remember,  the dividend from ASB does NOT belongs to you before you finish all your installment!!

Remember, whenever you have extra cash, try to buy the maximum ASB units (maximum RM200,000 per individual) possible, after that only you start to settle your ASB loan interest 5%, as it is based on reducing balance method. Unless you can get investment tool with GUARANTEE annual return more than 5% yearly.

Good luck and enjoy the road to wealth!

My G2010 collection

G2000???
Not going to spend on them because I cant afford to pay for the branding temporarily.
I still need to invest in physical appearance,
I need to dress up in nice suits/ shirts and matching ties,
G2000 is one of the top choice for perfect-matched business attire,.
Even after 70% discount and 5% discount from WorldCard,a nice quality shirt still cost RM110. Faint
How can I mimic their fashion at mininum cost?

I learned that a tie and shirt need to be properly matched.
I was troubled when a kind-hearted Samaritan commented on my non-matching attire (shirt and tie),
Through observation, searching online and visit to Padini and G2000,
I begin to learn how to match the business attire professionally.

By remembering the color of shirt and tie from G2000, i begin scouting for similar shirts and ties in departmental stores and shops.
I discovered a shop-BIEM in Cheras Selatan AEON city which has many affordable nice quality shirts.
Jusco departmental store also offer wide array of nice shirts.
Bought two high quality ties from Reject Shop, and make up my personal G2010 business attire!
I am satisfied with my choice and
This mark the start of designing my G2010 business attire and i sincerely welcome any comments!
Pls comment, and thanks in advance!

Jusco shirt cost RM24, Reject tie cost RM25

Reject Purple tie RM25

BIEM shirt cost RM55

First pay slip

Pay-day, much awaited day by many, I am no exception.
The reason i joined bank, is to apply the financial knowledge learned in class
I wanted exposure in different banking division as I am someone who get bored easily with routine job.
I wanted to equip myself with sound banking knowledge.
I wanted to be among the brightest mind, to make sure I always excel.
I wanted to achieve my financial target in certain period.

Hard to believe even i had exceeded the age limit for the post, luck is still with me.
Thanks god, My wish came true.

With the first pay coming, I know I am turning the financial targets into real implementation. 
My next plan continues after i passed my probation in 3 months time, the personal loan.
I know i should manage client's wealth, at the same time,  I am committed on personal financial plan.
My mind is focused in economics, stocks, financial plan,
I wont miss the Business section in the newspaper now, which i never touched in the past.
This is what I wanted myself to be.
I am working now, excited in morning, because i know i will learn different lesson/ attachment.
It was too luxurious, which i feel myself getting complacent in this comfort zone.
"Please follow the plan." I keep reminding myself
Relationship seed need to be nurtured continuously. Never gonna miss any.

Personal banker

Kick start your journey to the career world with sales responsibility builds the foundation for your future career advancement. I will not discuss the importance of sales skill here, but rather on HOW to start a sales related position that will fully maximize our value gain.

Contrary to the way people think sales job is the "short cut" to earn above average income, although sales position is usually paid higher because almost they are the cash generator in every business.

Talking about sale related job,
When you are young, learning, creativity, global view come first.

                         GET JOB RELATED TO YOUR GOAL
First, you need to have a clear goal. Plan your sales career related to your goal, so you own your goal in the end.
For eg, Dream to be developer? work as real property agent. Dream to be rich from investment? be financial consultant such as insurance agent or banker.
Don't go and sell cosmetic when your dream is to own plantation, Don't be Dutc* Lady sales exec if you want to be successful in printing industry.
Pls do something closely-related to your dream field. You don't want after 3 years of sales experience, after finding non related to your dream field only you console yourself saying sales skill helps in starting business right?

                                  SOCIAL VALUE COUNTS
Second, go for the sales job with the highest social value. Ya, I know you don't mind how your friend, your relative and your parent comment/criticize about your current sales job, but please calculate the value of your current sales job.
Using the example of a Personal Banker and Insurance Agent (financial consultant), we shall evaluate the value from the 3 perspective below:
Value is calculated from
social respect,
training and learning,
expectation

Social respect  - You can say you don't mind how people look at you, but you can't stop how people value you. For example, if you are joining politic one day, the value of your current job will determine you importance in the political party. You may be the best negotiator, but without past references you will not be assigned important post, which you won't have chance to show how good you are.

You may not mind, but it is taking away your future opportunity.
Imagine a personal banker and insurance agent( so called financial consultant) joined a community organization, both of them sell same product, have the same professional qualification, same experience in customer relation, but why banker is given position such as treasury, position that required financial knowledge and trust while the insurance agent need to work hard to build his integrity before assigned to treasury position?
Thank.

training and learning - Self-employed business such as insurance agent and direct sales agent do provide training like training provided to sales personnel. In term of personal touch and practical experience, those self-employed business they really train you to become somebody who can melt customer's heart. However the latter is usually training provided by large corporate, training is outsourced which is very professional and fulfilling global standard. The first become the kampung hero but the latter become global player.
Training and work experience in large corporation is more recognized by any third party compare to  "private training"

Expectation - Even from the position title of personal banker and financial consultant, the expectation by public to the banker is definitely much higher. How you children, spouse and relative from you is totally different from the 2 position title mentioned.

                             Job responsibility
Personal banker -
Core:Sells house loan, Islamic loan package, personal loan, commercial loan, investment instruments
Sub: Insurance, FD, balance transfer etc.

Insurance agent
Core: Life insurance, investment link,  medical card,
Sub: motor/car insurance, misc insurance.

The job responsibility is still different, but begin to overlap with the concept of wealth mgmt under one roof.


If your value is just monetary value, i.e. the one earn more is king, you may want to ignore the values I had just mentioned. But i believe in a balance lifestyle, you social value can increase your income, your income can use to buy more social value too.

I always support and like the idea of starting own business or self employed. For those interested in sales and networking, personal banker is a good start. If you are unwilling to be tied in employment, you may get a taste of full-time self employed for insurance or direct sales, but you need to get your Key Performance Index from time to time, ensure that your progress is fulfilled. Eventually, youth comes once!

Sustainability of Islamic Finance

The view of a market practitioner.

 "The decision not to set up Islamic Window and full fledged Islamic product is one of the corporate strategic move. 

In the early days of Malaysia Islamic Finance, the low cost funding and high profit provides an attractive edge for business, but today, this characteristic is now gone. 

To ensure the competitiveness of Islamic products, Msia government is pumping in subsidies and incentives such as stamp duty waiver for the products. The gov in effort to make Malaysia a regional Islamic Financial hub, is relentlessly encouraging Islamic products, but how long can it sustains? 

If it is successful, bank with both conventional and Islamic window, the cannibalism effect will take place.

Remember, Islamic products are stemming from conventional banking products which is based on Capitalism designed by the Western. To fully implement the Islamic teaching, the financial system has to be revamped. Even though the Islamic window of some banks are are enjoying double digit growth, but their profitability ain't high. 

After all it is not a bad idea for not introducing Islamic window, you know it will be a huge investment if we are going into it."  HOD of Commercial Banking

"If you are interested in  Islamic certification, it is better if you go after CFA which is more well-recognized"  Senior officer in foreign bank



The view of Scholars

"Go and take Inceif certificationin Islamic Finance, as it is recognized worldwide, Islamic Finance is going to prosper at least in the next 100 years! It is not requirement for you to be Muslim to involve in Islamic Finance"

"It is lucrative position as the Syariah advisor in Syariah board which is mandatory requirement of Islamic Banking. You are given first class flight ticket, luxurious accommodation and remuneration not less than US$10k. But you have to be a Muslim...."

风雨无阻－林丹版

这是林丹版的风雨无阻，或许有人说唱得不堪入耳，
但有他唱起来独特之处．
http://www.youtube.com/watch?v=SAmW8YJvdkI&NR=1


一个人，就算曾经纵使风风雨雨；风雨之后，他将变回一个普通人。
普通人的他，开始卧薪尝胆，十年寒窗，为了就是再次呼风唤雨，叱咤风云。


佛家有云 ： 成 ， 筑 ， 败 ， 空
和经济学里的Product Life Cycle Theory 有着异曲同工之处。

个人认为，观念决定一切，能否呼风唤雨，就看他是否能风雨无阻。
 要能风雨无阻， 需要相信自己，-- 相信的力量。
相信自己会喜欢工作，相信自己会赢，相信自己赢了后梦想成真。。。
纵使被他人批评的一文不值， 顶多不是他不相信你罢了，自己仍然相信自己 。
人生不怕从零开始， 只怕自己认输的心态，敷衍了事。


对林丹而说，　风雨无阻整首歌的精华在最后一句- 不认输。
有人说他很 “串” ， 但那是他释放他渴望成功的方法。
对中国羽球对而言， 要的是人才，要的就是你的成就。
虽然他还有许多性格上的缺点可以改进，
有哪位叱咤风云者没会有支持者，和反对党呢？

加油！

My netbook from Streamyx Cool Unipack deal!!

Streamyx Cool Unipack priced at RM38 per month for 384kb package (384DL/ 128UL). The package exempted installation fees (RM88), activation fees (RM75) and some fees
FREE wifi modem, streamyx zone ID, Hyyptunes 50 songs per month and HP NETBOOK!!

Specification of Hp netbook Mini210 :
Intel Atom Processor N450
10.1 Anti glare display
1GB memory
250GB HDD
Integrated webcam/bluetooth
Microsoft window 7 starter
2 years carry in warranty
Free delivery to door step

One problem is i am not comfortable with the speed, laggy.
They have the HP recovery manager which i think makes the whole system slow
Sadly, i couldn't play my favourtie DOTA on this cute machine.

Chronology of my subcription to Streamyx Cool Unipack:
17th April, my netbook was delivered by Tiong Nam to my doorstep. Wow, very handsome package of hp netbook. Slim and trendy

11th April - Streamyx was installed, finally got the stable connection !
5th April - TM contractor came to fix the telephone line. Paid RM30 (installation fee)
24th March - Applied for Streamyx Cool Unipack package, paid RM75(deposit) + RM10(stamp duty)

忘了她

少了她的日子，
告诉自己忘了她，
时间多出不少，
都被孤单寂寞填满
决定给自己放个假
希望这一走，
离开这伤心地，
不再触景伤情，
放下过去我们的点点滴滴，
来个萧洒走一回，
放下她，忘了她。。。


我爱你，
可以没有任何理由，
对不起，我们不适合对方；
也可能没有合理解释，


你问我为什么不接受你？
“感觉不对，过不了自己那关来接受你 “
“什么感觉？有什么缺点我可以改啊“

日思夜思，苦苦思索，
了无头绪，失去方向。
感情本来就不讲逻辑，
许多人明知山有虎，
偏向虎山行

有人说，感情这东西讲的是感觉，
对理性思维模式的人，
不合逻辑，就是犯规。
就算你讲得头头是道，
就算你讲得她 无言以对，
但对不起，你出局了！
感情从来都是无规可循
没有游戏规则的感情，
蛮不讲理的感情
自古以来，
不知苦了多少痴情郎。

每晚在收讯微弱的地区，
也定要跟她报平安；
见到壮观的景色，
希望与她一起分享；
在寒冷的夜晚，
期望有她陪伴在侧，
买纪念品总少不了她的那一份
明知厨里已堆积许多要送她的物品

传去的简讯如石沉大海，
机场接机厅没有他的踪影，
家门前的鞋架上少了她的凉鞋，
房里摆设却依然整齐的摆放着。

忍不住想起一首诗

去年今日此门中，
人面桃花相映红；
人面不知何处去，
桃花依旧笑春风。。。

我。 忘了她吗？

Moral learned from KL Tower International Towerthon Challenge 2010

Event : KL Tower International Towerthon Challenge 2010
Venue : KL Tower
Date : 21/3/10.
Number of steps : 2058
Tower height : 421m
Theme : World Forestry Day
Fees : RM30

On this beautiful Sunday morning, more than 1000 participants gathered at KL Tower. Many are doing stretching, warming up, light jog etc to get themselves into best position to start the run. Many amateurs with professional suits (branded singlet and runner shoes) and foreigners are among the participants.

The run starts at 8am sharp, I was in the 2nd group of Man's open category. The run started with me packed behind the crowd which make me lose the first few metres. ^^. I was waiting for people in front to move before i can proceed
Many were running at high speed up the hill, which the faced the bad consequences at the stairs.
The first 5 storeys, many were seen to be virtually sprinting up the stair, taking 2 steps at a time.
The stairs was quite narrow and it is very humid and suffocating due to perspiration.
After the first 5 storeys, many was found panting and squating beside the stairs, catching their breath.
I felt nauseating, my heart pumping furiously and i was gasping for air.
"Keep breathing deep" i told myself, realizing the i am showing the symptom of  insufficient oxygen.
I shift my attention by counting the steps,
Than, i started to leave the crowd of participants behind,
Immediately the situation become better,
There was just 1-2 of us at a stretch of steps instead of 10 just now,
With higher oxygen concentration, i felt fresher with clearer mind.
The limbs are coordinating better although i am still panting like a dog.
The strategic position is walking on the left side.
It is hard to overtake others now as all are exhausted at this level,
Others can block you although very unethical, 
Last 3 storeys, when the floor number changed to TH00,
I begun to sprint, and end the challenge.
I was rewarded with a panaromic and magnificent view of KL city,
Felt the sense of satisfaction, not only to complete the challenge,
but to complete it relatively fast

We felt disappointed that we are not told of our time taken for the climb.
We already got the RFID chip on our shoes.
Just a simple system and screen will the job.

The moral.
When we graduated from our educational institution as fresh graduate,
We faced the ferocious competition , some even said that was bloodshed...
We attempt to sprint from the starting point,
And this spirit gradually subsides in 5 years.

Then we started to feel suffocated,
We are now in the low/middle position,
with many competitors fighting over few positions,
The top flyers and lucky ones will be promoted
They began to leave the crowd,
With lesser people around,
there were more "oxygen" for them to develop their career,
They can advance at their own pace,
They are accountable to lesser people.
To overtake them required extra effort as they were already in the strategic position.
Although unethical, but they can easily block you from forwarding.
Same work load, but they gained the advantage to show off their accomplishments.
In terms of quality and capability, some of them in the crowds are better off,
But due to insufficient oxygen, their potential is not unleashed to the fullest.
To them, more effort is required to move one step forward.

As conclusion,
You are fighting among the crowds when you are young,
Once you get promoted to another level and left the crowd,
the world out there is totally different.

还好，还好。。。

最近朋友婚宴上，老同事们相见甚欢，
大家年纪相近，话题离不开事业和婚姻 ，
同事们关切的问他：
      “你和她怎样了？“ ， “几时轮到你？“ 

     “还好，还好。。。“  他微笑回答

过年过节，亲戚团聚，

      “听你妈说你最近交了女朋友，怎样了？“

      “还好，还好。。。“ 他微笑回答

最近回家， 吃完晚餐后，
爸爸随口说：
   　“几时要带女朋友回家给我们看看？ “　“到时爸爸亲自下厨煮几道拿手好菜。。。“
妈妈见他默不出声 ， 关心地问：
     “你和她最近怎样了？是不是你们最近比较忙？“　
他缓缓抬起头，轻声地回答：　　　
     “还好，还好。。。“


     《还好》
独特的两个字，
可以是敷衍了事，
可以是不知如何回答，
可以是不想多说，
可以是无奈和惆怅。。。

他知道朋友和同事 ，对自己是真诚的关心
亲戚和父母更有望子成龙的心态，
期盼孩子们为家族开枝散叶，
早日抱个娃娃来慰籍老怀。

他纵使满腔烦恼，又与心何忍，
让老人家终日牵肠挂肚，
担心他的终身大事，而郁郁寡欢。
就算他知道  “还好， 还好“  是治标不治本，
多一天的希望， 好过多一天的烦恼。

那天终于还是到了，
她收拾私人物品，
也收走了他心目中最后一线希望，

他站在门口，
望着她那熟悉的背影渐渐远去，
他望着房里那空空的角落， 
脑海里满是他们的快乐时光，。。

当年他唱着 《单身情歌》 时，
就明白了，“想爱就别怕伤痛“
他曾告诉自己，
爱别离苦，要勇敢面对，
但强忍的泪水，此时却不停使唤地夺眶而出，

电台见了都心酸，
播了一首 " We are the champion"
他听了，收拾心情。
此时，正巧屋友回来，
见到他眼眶泛红，关心地问道：
         “你还好吧？“
　　　“还好，还好。。。“ 


 

Beyond the Realm of Conscience 宫心计

After watching few episodes of the drama, there is a few thought.

Opportunity only can be utilized by those who are fully prepared
机会是留给有准备的人。
King Guang  is well versed in knowledge and martial art even when he is in the plight of being victimized. Most people will be depressed and give up easily in the bad times, but King Guang continues to equip himself with the art of country management and general knowledge. When finally Ma General offers him the opportunity to upthrone the current King, his talent is revealed to overcome the challenges as a new king.

In spite of difficulty, man must be able to be patient and tolerance
大丈夫，要能曲能伸。
Dowagar Quo is an evil character while Dowagar Tai Fei, Mother of King Guang is a more tolerant one. Dowager Tai Fei was victimized by Dowager Quo but she remained petient and tolerance during the period, even she was almost tortured to death. She endure the painful age until she was finally the Official Dowager when her son became the king. Compared to TaiFei, Dowagar Quo simply cannot tolerate with the lose of power. She became restless, agigated, act abnormally which gives Tai Fei chances to remove her power rationally. If Dowagar Quo can be like Tai Fei, who can scan the environment and remain low profile, who knows in the end she got the opportunity to rise and seek revenge.
Dowagar Quo is the typical character of many people in society who cannot afford to lose. One fall and thats the doom for her life. Being successful is no big deal, its merely doing-it-right after many and many failures.
Success is just able to recover from failure and continues attempting.
But, how many can really recover and reattenpt?

男人苦

在性别界线逐渐模糊的现代，
性别责任也不那么绝对的现代社会，
东方价值依然制造
女人娇弱，男人刚强。
让女人，男人都好苦！

男人苦？
自小，
男人被教育，
男儿有泪不轻弹，
男儿流血不流泪。


男人为女人赴汤蹈火，
准时载她上下班，
像苦力般做着粗活，
她说：“你真是个好人“ ， 让他高兴半天。
但对不起男人，你出局了，
女人要的是情人，不是佣人。

男人婚前拼命赚钱，
以为没有5C 娶不到老婆，
后来男人赚到钱，
有了妻儿，
却有了挥之不去的肚腩和秃头。

男人遇到一个赚钱比自己多的女人，
因骨子里的男人主义作祟，
肩膀上的负担是减轻了，
但心里的压力和负担却增加了。。。


男人快乐与否，
大部分取决于女人，
女人一句，
“没用的男人“
“你不是男子汉“
而耿耿于怀。
举起的拳头被逼收回，
说到嘴边的脏话被硬生生地逼吞回去，
因好男不与女斗，
因打女人的肯定是坏男人。

君子风度
男人因为这句话，
宁可雨水把自己淋成落汤鸡，
也要确保女人不被雨淋到；

危难当前，
男人挺身而出，
宁可自己冒险，
也不肯心爱的女人受苦。
别人一句话，
这是男人应该做的，
功劳苦劳全被冲进东海。

男人面对讨厌的女同事时，
不能像对憎恨的男同事般以武力解决，
每每被欺负，
为了表现君子风度，
只能含泪而笑，
泪水须在脱眶而出之前被蒸发掉。

当今，女人 争取到一切公平的工作和升迁机会，
靠女人的男人被说是吃软饭，
女人不工作，靠男人养，从不被人说吃软饭。
男人没有事业，
家庭，老婆的压力不如自己压力大，
许多中年失业跳楼，
显现出事业对男人而言，
是信心也是尊严。
男人也是人，
害怕的男人是懦夫，
不举的中年男人，
被嘲笑无能。

老公跟别的女人胡搞，
别人说逢场作戏，
老婆跟别的男人胡搞，
别人说这个男人戴绿帽。


男人脸上的微笑，
有多少是发自内心的？
男人男人，
你们所承受的社会压力，
你们所吃的委屈，
高高的社会期望压在肩膀上，
有人说，
男人宽阔的肩膀来承受压力的。
35岁后的男人，
家庭负担越来越沉重，
逐渐把疲惫的狗，
变成肩负重任，话不多的牛。


传统教育只教人往前，往前，往前，
没教人如何解压做自己。
为什么要在乎别人的眼光？
为何要活在别人的期望里？
为何要因为君子风度而伪装自己？
为何因为社会标准而不许自己害怕和流泪？
为何我们已经在男女平等的年代仍被传统观念束缚着？

人生苦短，
这又何苦？

我们本能的关怀女人，
现在也来关心苦命的男人吧！
就当社会要求男女平等，
女人们，
平等的对待男人，
给于男人同等的关爱。
给于男人同等的安全感，
给于男人同样的呵护，

不然
痛苦的男人

会转向男同志，
因为大家都是男人，
容易明白男人的苦，
借以满足自己对爱的渴望。

或者男人会返老还童，
变得叛逆起来，
变成淘气的老顽童。

下次如果你（女）期待我帮手而被我拒绝了，
对不起， 不是真的不想帮，
只是叛逆的心，
不甘受制于传统的枷锁，
要挑战传统对君子风度的期待，
希望你当这是治疗我未来的忧郁症，
别跟我计较。。感恩！

It is holiday! 放假了！

Holiday, Hoooooooooray!!!
The words i never get bored celebrating since my kindergarten

Today is my vacation,
A lady's car is trapped at the road side,
The front wheels were stucked in the mud,
Another friend and I pushed and rescued it,
She said :" you saved my life"
Woosh..I was feeling like a man,
not because of the strength i had got,
is the strategy and coordination i gave.
A man needs muscle,
And BRAIN!

I had been on vacation since July09.

Now,

I am on vacation,
Sometimes it is a packed vacation,
Sometimes it is stressful,
Sometimes it is disappointing,

Sometimes it makes me emotional,

Sweet, Sour, Bitter , Spicy

They spice up my life,

After all ,

It is my vacation!

I am on vacation,

Everything done at my own pace,

Listen to some interesting issue,

Involved in hanky-panky stuff,

Sports, outing, movie, date,countdown...

I am Briton Ben Southall,

the guy who won the best job in the world,

We are busy, but enjoyed