Demonic Dungeon

Self-doubts

2010-09-26T19:11:00.000-07:00

In times of tremendous stress, the failure to meet your expectations can be too overbearing..

It is best to comfort myself with these phrases

"If matters not if I am not the best;

It matters not if I don't get the best,

what really matters is that I have tried and done my best."

Worry, anxiety, frustration and fear do not get you anywhere. They only cause you to suffer. Resolve to get rid of them.

"May I be well

May I be happy

May I be free from fear and worry

May I be successful always."

Summer is ending!!!

2010-07-07T09:15:00.000-07:00

The much anticipated Summer is finally drawing to a close.. With about a month to go, I must seek to accomplish as much as possible before I get caught up in a mad grueling GPA chase all over again. =(

Summer has been much satisfying. =) The trip to Japan was really awesome because it really expanded my horizons. Ballooning Bliss Camp has also allowed me to make friends and to gain a new trait in balloons sculpting! The inaugural SICS Freshmen camp has proved to be challenging and fulfilling as it allows me to have a chance to organise a camp for my freshies!

Yea, too much fun. I am beginning to feel a sense of guilt already... I must remind myself of the goals that I have set for this year!!

1)Obtain my personal dream GPA

2)Do 10 pull-ups

3)Really practise my guitar.

4)Pick up more investment knowledge (e.y.e)

5) Be more witty and eloquent

6) Master my juggling stunts

7) Improve my general knowledge.

Jiayou!

SuntecReit

2010-05-05T10:59:00.000-07:00

SuntecReit finally broke the prominent 5o-day SMA support line by crossing under the 25-day and 50-day SMA. This signals that prices are likely to plunge soon. Strong hint of hitting the long term 200d SMA. Besides, other indicators also point to a downtrend. Bearish convergence observed showing that the downtrend momentum is strong. The strongest indicator will probably be the bearish centerline crossover. The 12-day EMA crosses under the 26-day EMA, which is a bearish signal.

However, one can also observe that a doji was formed today which signals an undecisive battle between the bulls and the bears. I am speculating that the next few candles are bearish which will act as a confirmatory signal. If they are, go shorting! If they turn up to be bullish, then got to wait and see.

Conclusion: Good shorting opportunity. Might want to go long when more hints are clear as it approaches the 200-day SMA.

Embrace the warm light because it's Summer!!!!

2010-04-18T10:08:00.001-07:00

Liberalisation = 4 months of summer = 4 months of insane fun!!!!!!!!!!!!!!!!!!! =))

Trying to hide the pain

2010-03-19T22:31:00.000-07:00

It's amazing what a person can do when he is feeling low. Really crazy stuff like randomly calling a low suit card as your partner and bidding high for floating bridge. Lol.

Went to Timbre @ Clarke Quay yesterday to drink with my buddies. Felt so much better when i confided in them. It is really a blessing to have such wonderful friends who will stand by me through thick and thin. The serene music also spiced up the night ambience.

Did reverse bungee jumping. Totally shocking, insane and exhilarating.

I promise to put the past behind and move on starting from today.

The first step to forget is to keep myself really busy. Glad that there is school work to push me to the extreme ; i must be really suffering from psychiatric harm to make that statement. HHAHA.

Here are the things to look forward to for my summer plan. Listing them down motivates me towards my goals =)

1.) April boardgames retreat camp

2.) Brush up my Japanese to a decent JLPT4 standard

3.) May one week Japan trip

4.) Train for IPPT

5.) Juggle at Esplanade or at school

6.) Complete FF10 on PS2

7.) Complete KH:Birth by sleep on PSP

8.) Buy a new guitar and train up my skills

9.) Read up on the investment books i have listed as "Must read"

10.) Mug for next semester modules such as MA and Finance 101

11.) Balloons of Bliss Faci / Starring SMU Faci (If I make it)

12.) SICS Camp Org Com. (If i make it)

13.) Drive around in my awesome Lorry to familiarise myself with the roads. Havn't driven for months =(

It's gonna be an awesome summer! But let's focus on school for now. =)

Pick up the pieces and move on

2010-03-18T09:27:00.000-07:00

I have never felt like this before, a weird stabbing pain in my heart.

One would only feel the full-blown effects when reality finally sinks in.

Moving on. Everything is cool.

Shall concentrate on my finals. =)

Suay

2010-03-12T09:04:00.000-08:00

This week damn fkin suay. Dunnoe y. Must have not done enough good deeds.

Double Blows

2010-03-04T05:23:00.000-08:00

Suffered two major blows that made me quite depressed today.

1) Did my Management Communication in-class assignment today. On hindsight, i spotted a grammatical mistake and also interpreted a point in the question paper wrongly. Why am I always so careless?? The weightage of this assignment is a gruelling 20%.

2) Very disappointed that my team didn't make it for the preliminary round for Fundmanager 2010. Guess our report wasn't good enough. But still, the efforts put into it amounted to a day. A day is actually quite a lot in my opinion.

This is really depressing man. I know i must control my emotions. I must tell myself to look forward and work harder. These setbacks won't deter me. I won't give up. We gonna try our best again in the upcoming business plan competition; and we gonna try until we succeed.

Time to give my best efforts for Econs this Saturday.

Week 9 here it comes

2010-02-27T09:40:00.000-08:00

No no no... i don't want school to start. Please give me just a bit more time before the nightmare begins....The questions in the sample Econs paper are so unorthodox, i have absolutely no confidence in the upcoming test. I really need tons of luck to get through this crazy 40% midterm this coming saturday man...

We are finally going japan this MAY!!!!!!!!!!!!!!!!!!!

ii desu ne!! :)

Colbie Caillat's alluring music always never fails to brighten up my mood.

Day 4 of break

2010-02-24T18:58:00.000-08:00

Chiong finish the fundmanager report. Dunnoe can qualify for semi-finals or not. Must really give in my best shot for my MC and Econs mid-term next week.

I must mug and stop being distracted. Urgh.

Exponential Moving Average-EMA

EMA is similar to the SMA except that more weight is given to the latest data. They are used to create indicators like the moving average convergence divergence (MACD). The EMA assigns more weight to the more recent price data and assigns less importance to the older price data. The best thing is that the weighting can be varied.

Because of this, EMA reacts quicker to price changes as compared to a SMA. On average, the EMA is 3/8 of a point closer to the price than SMA. The EMA calculation is a bit more complex and i won't attempt to go into details here. A simple google search will allow you to find out how it is calculated.

The kind of MA to use depends on your trading preferences. SMA lags behind EMA, but it is better at identifying long term trend changes. EMA is preferred to some traders because it captures price changes quicker. Because EMA is more sensitive, it often gives more signals. Although this can be good, more signals will invariably increase the chance of going into a market via a false signal. SMA gives less signals and is more reliable, but it also means that it will be late in giving out bullish signals.

If one is using chart nexus, one can simply change your SMA to a EMA by ticking on the box "exponential".

Simple Moving Averages

2010-02-21T00:47:00.000-08:00

The midterm break is here!!:D Not that it is a break anyway, there are still the dreading midterms that are coming right up...but all is good and wonderful for now. Looking forward to the gatherings that i shall have!!

Simple Moving Averages (SMA)

One of the most important tool that technical analysts look out for is the moving averages. In fact, it is so important that it almost always guarantee profits if used wisely. Moving averages serve to smoothen the data set and sieve out all the white noises. There are three moving averages and the focus will be on SMA for now.

Simple Moving Average
Exponential Moving Average
Weighted Moving Average

A simple moving average is the average price of a security over a number of periods. Closed prices are used to chart the lines. For example, a 10-day moving average is calculated by summing the closing prices of the last 10 days divided by 10. The common periods used are 200-day SMA, 50-day SMA and 25-day SMA. SMAs always lag behind price movements and the longer the moving average, the more it lags behind. Hence, SMAs are good at predicting trends of the stocks. SMAs are effective when there is a trend forming with little fluctuations.

Generally, a buy signal is generated when the stock price goes above the MA and a sell signal is generated when the stock price drops below the MA. Also, when a shorter period MA crosses over a longer period MA, it is a buy signal. Similarly, when a longer period MA crosses under a shorter period MA, a sell signal is established. Below is an example that i drew using Chartnexus. I chose the STI index and plot its 25, 50 and 200- day MA. Not really good at it..still learning. Quite happy because i can now run chartnexus with my Mac using VMware Fusion, that means that i can run Mac and chart instead of running bootcamp all the time. =)

NTU CRASH

2010-02-17T09:13:00.000-08:00

Did my biz law test in the morning and i would say that it was manageable, even though i had no way of knowing how well i would do. Only thing left to do was to pray. Out of boredom, i crashed NTU after the test to find some of my buddies. It seems that all my best friends study in NTU. Managed to see like 7 of them in total. =) Their halls are really spacious and serene, except for some who are unfortunate enough to stay in the old halls. =x Let's just say the difference between the old and new halls are really drastic.

Best of all, i learnt how to play CASHFLOW today. Awesome and simple game. The most important takeaway is probably the values that the game aims to teach. Having learnt Dividends, Zeroes to Heroes and Cashflow, the last board game that seeks to promote financial literacy gonna be Acquire. Gonna learn it at the next Strategica session.

We all need constant reminders on the dangers faced on the route to financial freedom.

Here is one lesson.

http://wealthbuch.blogspot.com/2010/02/student-on-winning-stock-market-streak.html#more

Morals of the story: Never dabbles in contra trading and never compare trading simulation with real world trading. =)

Contra Trading

In Singapore, when you buy a stock, there is no requirement to put up a form of deposit with the brokerage firm. In fact, from the date of the transaction, you are given a grace period of 3 days, known as the contra period, in order to transfer the money to the brokerage firm. It is because of this contra period, that a loophole is formed. It was found that if you sold the stock that you bought before the contra period is up, the brokerage firm would offset the trades, and the net effect was that you will be paid any profits or losses you obtained from that 2 trades.

Source: Kampungtalk.net

Death by biz Law

2010-02-15T04:16:00.000-08:00

Biz law midterm this wednesday. :(

But good music brightens me up!

珍惜来临的一年

2010-02-12T20:07:00.000-08:00

2010农历新年终于来了，希望虎年能带来新的收获！＝）

这是一首1988年的怀念金曲，跟其它新年歌比起来还蛮好听的＝）

“有人说岁月太匆匆转眼又一年在手掌中溜走是不是没有做什么就这样让时光留不住年轻的世界也许不曾感觉生命是如此短促如果你期待有收获不要犹豫不要蹉跎过去的岁月已不会再回头未来的路仍然要走在新的一年来临的时候请你接受这一份祝福”

This feeling of worthlessness

2010-02-10T07:30:00.000-08:00

I haven't cried like this for such a long time. It dawned on me that i shouldn't be living in my own fantasy world, trying hard to be someone that is not really me and creating a string of artificialness all over the place. I am disgusted with myself. I have great friends, and i would love to infect them with my vibrant energy which i think i am capable of. Yet, my mere presence just make them sulkier. Pessimism is associated with me.

I am morosely gloomy, and i dare not even acknowledge it. I better wake up my idea and stop putting the fake smile that will only serve to denigrate myself further. :(

Strive on kh!

Market News (Indofood and Yanlord look like good long position if they rebound; credits to E.Y.E)

Stress

2010-02-07T01:13:00.000-08:00

I have just lived thru a weekend of hell. Spent my bloody sat and half of sunday reading up on a TWC case study and doing a report. The torment will just get worse as the mid-terms approach. I still have tons of stuff like fund manager proposal and CT journal to look forward to. OMG!

Jiayou!

Finance Info

Here are two ratios that are used widely to assess the profitability of mutual funds.

Sharpe Ratio

Sharpe Ratio = (Portfolio return - risk free rate)/ volatility

Risk Return Ratio

Source: Fundsupermart

The higher the sharpe ratio and risk return, the greater the prospects of the unit trusts.

It is possible to have a positive risk return ratio and a negative sharpe ratio, this means that the unit trusts have underperformed the market risk free interest rate; you would be better off buying bonds or putting your cash in fixed deposits. I think it's really hard to find funds that outperform STI so your next safer bet should be index funds like STI ETF.

Talking about STI, for those who short it, congrats to you. For those on long term position, let's hope CNY does some wonders and pray for a rally.

SGX Counter

2010-02-01T17:39:00.000-08:00

Tip from a good friend. Resistance turned support. Look how nice it was. Look for a pullback confirmation before entering.

STI Bounces back.

2010-01-28T09:19:00.001-08:00

WOWWW! STI really bounces off the support line of 2700 to close at 2757 today! Those bulls really optimistic.

Happy belated birthday surprise!!!

2010-01-28T01:05:00.000-08:00

I had an awesome week! My wonderful friends prepared a belated birthday surprise for me!!!!!!!!!!!!!!!!! I was so touched....awwwwwww.... Everything was great! The mango cake! the balloons! The simple dinner at Ishi Mura! ♥ Them!!!!! My group also gave its best for MC!! Hopefully we would get a good score ya!!!

Market News

Market is really bad, super bad. The psychology behind it is simply amazing. The recent announcement by Obama to cut banks risk taking caused investors to lose confidence. However, the re-election of ben bernake and the fomc meeting served to allay fears. At Dow Jones, Bellwethers like tech stocks reported earnings but yet stocks prices fell. This was apparently due to failure to meet the whisper no. ( a benchmark of expectations by analysts rather than the fundamentals).

Meanwhile, the STI index continues to fall and is thought to emulate the elliot wave theory. If it does, the estimated time it will get bullish again should be around May. Since it has reachhed the peak of the waves and looks ready to decline. OMG MAY!!! That's so long! Anyway it is kind of ambiguous anyway!!! Never enter the market now, wait for confirmation again such as a pullback to support line if you wanna play safe.

Tiger share fell like crazy on the third day of listing, which is kind of expected as people dumped their shares. The recent Tiger airline near miss accident also caused this. Alas the ryobi kiso IPO subscription period is over; not that i can get it anyway since it is on placement. But it's gonna be listed soon since it is now "PL" status on SGX. For those who wants a share of profits can catch it on the 1st day.

Hahahaha! something funny happened in eye on tuesday. People were discussing the use of Feng Shui to pick stocks for 2010.

Back to mugging. =) Bloody biz law.

真心真意谢谢你

2010-01-23T20:32:00.000-08:00

Thanks to everyone who wished me an awesome 22nd birthday!!!! I feel so blessed to have such wonderful friends around me!!!!!

Anyway, school is really getting hectic. Week 3 has just passed and things are really heating up. At least CCA sessions like E.Y.E and Toastmasters cheered me up. I really gained a lot from them.

Toastmasters

Energiser techniques( the Kungfu laughter, Taichi laughter, 1m laughter, 1cm laughter, breathing techniques)

Grab your audience attention (tell a joke, story, ask a rhetorical question)

Ways to prepare for a table topic

1. Be confident (maintain eye contact)

2. Be professional

organise your thought
theme e.g. love, friendship
theme must relate to the tipic
one structure and three format (tell them, tell them what you want to tell, summarise them)

Three formats

Chronology (past, present, future)
5 Ws ( Who, What, Where, When, How) to describe scenario
Story telling

market news

Major markets down (Hang Seng, Dow Jones and STI)

STI down to 2819. Support line at 2700. Enter STI ETF at this time?

Is yanlord a bubble now since so many money are being dumped into china's real estates. Matter of time before it tanks?

Tiger IPO is doing well and closed at 1.58 on friday. Wow. Matter of time before it tanks as well. Better dump them asap on Monday.

Back to mugging. =)

I am sick

2010-01-16T21:41:00.001-08:00

Succumbed to the minions inside my body........Temperature raging all time high. \

I..need..to..mug..econs. =(

Stupid CT presentation

2010-01-14T08:16:00.000-08:00

Can't believe i gonna do this for CT presentation tomorrow. =X

SONG ( To the Tune of Old Macdonald)

PROBLEM SOLVING

Creativity is fun. CRE-A-TI-VI-TY!

And creativity leads to what? I-NNO-VA-TION YEA!

And the good thing here and the good thing there

Solves this solves that

Everything gets solved.

No more problems anymore. CRE-A-TI-VI-TY

CONVENIENCE

Quick and easy, hassle free. Oh so convenient.

And convenient saves my time, I can do more things.

I can msn here, facebook there,

Eat here, drink there.

Multi-task anywhere

I get more time to do my stuff. Love it more and more.

INCREASE EMPLOYABILITY

Money very important, I must get a job.

Employers like creative me, Generate ideas

I create this, it’s a blast

He buy, She buy,

Everyone buy buy

Make profit from my idea, everyone benefits WHOO

HIGHER STANDARD OF LIVING

Overseas call very ex, cannot call girlfriend.

Lucky people innovate, create Skype program.

I can skype for free, I can skype anywhere.

Skype day skype night.

Skype skype skype skype skype (Hai….)

No more girlfriend missing me.

We chat all the time.

换个格式写博客，提了不少新鲜感！

2010-01-12T08:42:00.000-08:00

为了要实现今年所下的“订单”，

最近真的把自己的生活弄得很忙，

但也觉得自己过得很充实哦＝）

我也在某个博客读到，

把自己的理想和目标写下来，

然后每天常常去看自己写下的梦想，

而且时时刻刻的去思考要怎么完成，

这些愿望就会真的成真。

这个理论可真有道理！＝）

Spirited Away (Reprise)

2010-01-09T22:23:00.000-08:00

I stumbled across a beautiful guitar rendition of Reprise from my favourite animated movie Spirited Away.

In the film, Reprise reflects the unwavering spirit of the young girl Chihoro, as she struggles with the uncertainties of a strange world filled with japanese deities and gods in a bid to save her parents.

Totally enrapturing. God, how i wish i could play like this?? I can't find the guitar tablature for this arghhhhhhhhhhh

新年要来咯！

pUSH yourself

2010-01-07T19:36:00.000-08:00

School is here. It's time for war. =X

I cannot cui this term.

Really put in a lot of efforts for the 1st week of school, and i am all determined to meet my new year resolutions. I really want this fervour to continue for as long as possible, but it will be tough once school gets into a high tempo mode around week 3.

A look into the list of stuff that i have accomplished in the 1st week.

1)Mastered 3/4 of the song 爱我别走。Maybe once i get good enough, i will upload a video of my guitar performance here.

2) Attended Toastmasters to improve on my presentation skills. There's always something useful to learn each session. I was especially impressed by the energising techniques used by a guest speaker to arouse the interest of the audience.

3) Went for a total of 3 gym sessions in a week. Need to lose weight by running and build muscle mass for the pull-ups.

4)Attended e.y.e investment club and learnt about the downfall of LTCM,and the capricorn effect which is the bullish phenomenon that is occurring right now in the STI. Stock prices are rallying with small caps doing the lead.

It was really awesome to have Strategica session in the classroom right beside e.y.e . It was therefore really convenient to catch up with old friends, though i don't have the time to play board games with them..

And class part is super irritating in school. I have no choice but to speak out more often than what i did in term 1. Forget all the embarrassment or shyness. There is no holding back and i really can't be bothered about what others think of me.

Strive onnnnnnnnnnn!

Happy new year 2010!

2010-01-01T21:23:00.000-08:00

As usual, it's time for me to really get down and review what the past year has brought, and to set some motivational new year resolutions for myself.

2009 has been wonderful and awesome. And i met several of my objectives that were set way back in 2009, albeit not all. Some were not achieved due to priorities and expectations that changed along the way. A major regret was that i did not sit for the JLPT4 exam. There were two reasons for these. The first was due to my heavy studies commitments. The second was that it would forbid me from taking up the Uni Jap elective mod, which i would really love to take.

For this upcoming new year, I gonna be more ambitious and greedy. I gonna set more challenging goals for myself.

1)Obtain my personal dream GPA

2)Do 10 pull-ups

3)Really practise my guitar.

4)Pick up more investment knowledge (e.y.e)

5) Be more witty and eloquent

6) Master my juggling stunts (Set up of juggling CCA)

7) Improve my general knowledge.

Jotting these down really gets me all hyped up. Some are quite intangible i realise.

It's back to school time.

Merry X'mas!

2009-12-26T00:39:00.000-08:00

I miss the sumptuous glutinous balls! Anyway....

And the jolly good christmas follows after. =D

To my wonderful friends; please don't open goddamn Martell, Chivas, vodka, rum and baileys again. Uncontrollable binge drinking in a span of two days is not funny seriously. I don't wanna get cirrhosis. =X

Burnt a hole in the wallet. At least i didn't get wasted by the attempts from some of you. I ain't a weak boozer. hahha.

Frisbee outing again please!

Somewhere out there

2009-12-17T18:47:00.000-08:00

Even before I know it, time zoomed past swiftly and it is already the mid-holidays! Another two weeks to go before the commencement of another dreadful school term. Sigh. I must consciously remind myself to fully utilise whatever remaining play time that I might have.

Christmas is arriving but my family does not have a tradition of celebrating it. I have known of many other friends who will celebrate it by going for feasts and such, but Christmas will just be an ordinary and mundane day for me. Still, i appreciate the jolly and cheerful good mood that it carries.

Finished reading the Lost Symbol by Dan Brown. It was a very exciting read with lots of actions and twists that kept me constantly glued to it. I guarantee that you would like the book if you are a person who likes to be taken in a mad ride or solve intriguing puzzles.

Also, next year April might be extremely enjoyable as my friend is planning a trip to Tokyo and Osaka. Yukoso Japan 2010! I wanna catch a glimpse of their Sakura, but i heard it would already be over. Another friend says he wanna experience the Golden Week..Hahaha, it is indeed hard to satisfy all our cravings. 日本行きましょ！

I think i miss someone.

bAcK in SinGapore!

2009-12-14T05:28:00.000-08:00

Had a really awesome time with my relatives in sitiawan! Also attended my uncle's wedding dinner. It was all blissful and auspicious! Never had such a wonderful time with my kins in a long while; especially when i live in the tiny island that is so far away.

Bought a 500 gig Seagate hard disk from challenger today at white sands. Needed it since my Mac is running out of disk space considering the no. of files i cloaked in one school term. I also loaded the disk with goodies like dramas such as Big Bang Theory and How I met your Mother from my good old buddy. Also added some games such as dragon age as well. Yet, i am unsure if i have the time to indulge in all these cool stuff.

Results turn out to be well for me, i hope i can continue this for the next term, and possibly for many sems to come.

Gotta catch up on my fitness since i have largely neglected it during the hectic school term. I am also reading "Life Support" by Tess Gerritsen and "Lost Symbol" by Dan Brown. So much to do during the holidays! I wish school will never start!

你的影子在每一个角落..

Holidays!! Yaa!

2009-12-09T19:00:00.000-08:00

Holidays means tons of catching up to do with friends! =DDDDDD

Seriously enjoyed myself during the 1st week of December! Watched tons of movies like 2012, paranormal activity and ninja assassin with quite a no. of friends! 2012 was way too awesomely cool! Anyone who has a fetish for destroying stuff should watch it! =D

Went for Strategica Board Games retreat as well. Basically, one got to play their games non-stop for 3 days and 2 nights and also made tons of new friends! The best part was that they gave Subway for dinner! My favourite meal! Hahaha. How cool was that to tie both together for me in a package! Although I knew how to play most of the games there, there were just so much collections that i got the opportunity to learn many other fun games too.

Learnt some basic balloon sculpting from another shifu who taught me to make flowers and poodles ( the basics). =)

Went for regular gym sessions with another buddy once every 2 days with the hope of clearing IPPT asap.

Currently in the school library now waiting to deal some books for the upcoming semester. The library is so empty! i have never seen such a scene before in my life. I think i am the only student on the 2nd floor..and ohh.... that's a cleaner as well. Two persons that's all. Cool shit. Must blogged this aspect for memory purposes.

Amidst all these madness, i know i gonna face the shocking revelation of my grades. Oh no! i shouldn't think about it. Spoils my mood totally.

I am very pissed with the group component marks of one of my projects. My group and i put in so much efforts but only to receive a D+. Grrrrr, totally unfair. How could it be a D+ when the project was a decent one? This doesn't make any sense! i need to rant #&&#^$*& =(

P.S Shall be going to Malaysia tomorrow with my family. :)

街角的祝福

2009-12-08T03:13:00.000-08:00

It has been confirmed, results will be released on friday.

I am so dead for AS.

Trying to find some light in the darkness. I must stay positive no matter what happens. =D

:(

2009-11-30T14:54:00.000-08:00

Blogged at 6.55am today. This is something that is unprecedented before. My mind and body must be really cranky and screwed up...can't sleep at all.

And the worst news to bear is to be aware that you gonna kickstart your day by mugging...just literally mugging...in a few hours time.

FML.

I can't wait for it to be over.

On a side note, i am pleased with the grade of one of my mods. Maybe that fact made me zealously restless in bed.

It's coming.

2009-11-27T10:49:00.002-08:00

One more paper to freedom!

Awesome soothing music that can really help to destress!

Here is another one of my all-time favourites!

Doing your best is more important than being the best.

2009-11-24T19:58:00.000-08:00

Financial Accounting proves to be more manageable then i expected, yet i screwed up my analytical skills. Don't really know why i can't perform in that, guess my thinking always differs from the rest... hahahah. Oh well... can't really emo and dwell on the past right? Gotta get myself up and push on. Jiayou!

"Forget past mistakes. Forget failures. Forget everything except what you're going to do now and do it."
-- William Durant

Exams Blues

2009-11-22T22:25:00.001-08:00

Gonna give in my best shot!! Life is not just about a damn cert. izzn't it? Looking forward to the activities-filled holidays that are coming right up.

我可以很久不和你联络, 任日子一天天这么过.

让自己忙碌当做借口,逃避想念你的种种软弱.

思念

2009-11-13T21:25:00.000-08:00

再过一周就是新大的年终考试了，真希望一切的付出能得到该有回报。我也希望妹妹能在这次的A水准会考中得到优异的成绩。相信她的压力也是蛮大的吧！加油！我会在来临的星期天买你喜欢喝的泡泡茶给你哟！

最后的冲刺！我决定拼了！

Happy being me

2009-11-08T06:37:00.000-08:00

Exams are coming! i need all the encouragement and luck i can get. Stay strong kahhaw! =D

Gonna get a brand new guitar this holiday to play all my favourite oldies! Looking forward to post-exams!

酒矸倘賣無-Do you have old bottles to sell?

2009-11-03T08:51:00.000-08:00

One of my mum's favourite song! Most of us will be familiar with the chinese version. This is the first time i heard this song in the hokkien version and it's really nice!

Note the actual video starts from 30sec onwards!

Strive on

2009-10-30T09:49:00.000-07:00

For myself and my family, i soldier on.

Do me a favour by supporting www.projectnewdawn.net.

Inspirational Quotes

2009-10-21T06:45:00.000-07:00

School is tough but what keeps one going?

Some food for thought.

For those of you who repeatedly fail to keep a positive outlook in life,

Life is 10% what it gives you and 90% how you respond to it.

Ships are safe in the harbour, but that's not what they are meant for.

It is not how hard you hit, but how hard you get hit and the strength to move on.

An investment in knowledge always pays the best interest. -Benjamin Franklin

Attended a hedge fund talk today. Learnt quite a few stuff. Love toastmasters and E.Y.E! Oh yes, had fun celebrating someone's birthday today! Back to late night mugging.

Crazy

2009-10-16T01:34:00.000-07:00

OMG OMG OMG OMG OMG OMG OMG OMG OMG OMG OMG OMG

School is so busy to the point that i can't find time to blog. OK, more like an excuse because i do not know what to blog about.

Life simply revolves around school, eat, study, sleep, traveling, presentations, projects and undoable exams. My whole face is plagued with acne cause i am really stressed and i don't always get enough sleep.

At least i have great friends whom i care about very much. They always never fail to brighten me up in times of gloom.

And i got a great mum who takes care of all my needs so that i can devote my time to my studies! love her! And kudos to my cute sister who always delight me with her cute puzzling actions. I gonna snatch your bolster and blanket you if you are reading this. Muhahaha. Dad is wonderful too! Cause he works as hard as me!

Gratitude is the reason why i am here.

On a side note, there is this angel. The mere sight of her softens me. Her voice mesmerises me and her laughter causes me to cringe. Emotions abound. How interesting.

Life is wonderful.

Money woes + I feel dumb

2009-06-10T08:38:00.000-07:00

Uni is starting and that's often the time when the harsh revelation hits you hard---the exorbitant school fees!

I do not come from a well-to-do family and this tuition fees that amount to 32k plus will definitely put a toll on my parents. Blame it on the fact that my results are unable to secure a scholarship. Blame it on my stupidity. Sometimes, i really wish i can score better and get a bond free scholarship so as to ease my family's financial burden.

Tertiary school fees are really way too expensive! I really hope the government can subsidise more of our local uni fees! The foreign students have it much better. Everything is sponsored for their education here and they are only required to serve their 3 years bond upon graduation. No offence here please..we cannot deny the fact that foreign talents are important to Singapore, but i want to bring across my point which is more can be done to reduce local tertiary school fees...definitely more. :)

Enough of the gripes and instead of wallowing in my self-pity, I better start to think of some solutions. I know of the various help avenues present out there...Ok i am dumb i know, but not to the point to neglect help opportunites. As my parents' CPF accounts do not have much money, it looks like getting a bank loan is the way to go. The bad thing about bank loan is that the interest rate is way higher.

On my part, i am working my ass off giving tuitions here and there. Weekends are often burnt doing tuitions, but i really need the income. I do not want to graduate and be in debt just because i havn't repaid my loan. That sucks. Imagine working the 1st few years just to repay debts. Wait a minute..can i even be guaranteed a job in the 1st place?

Sigh. Still need to spend on laptops etc. etc. The list just never seems to end.

Grave of the fireflies

2009-05-31T08:14:00.000-07:00

I watched an animated movie titled "Grave of the fireflies" together with my sister this evening on her laptop. It was a 1988 japanese animation which spoke of a heartwarming tale about two japanese orphaned siblings who had to cope with the harsh life during the 2nd world war. It was really an emotional and poignant film which at times moved me to tears. Couldn't help it, the movie was just so freaking sad. Had a hard time trying to conceal my sadness from my sister..didn't want her to mock at me you know.

The movie basically focuses on the lives of the two protagonists - a teenage boy and a four year old sister who became orphans after their mum was killed in a bomb raid in Kobe. Together they strived to survive on the war streets amid widespread famine and the callous indifference of their fellow countrymen. Yet, harsh circumstances eventually took their toll on them and they finally succumbed to malnutritution and death.

The movie is in fact based on a semi-autobiograhic novel of a real japanese who survived the war but lost her beloved sister to starvation. He wrote the novel in order to alleviate his pains and also to make his amends for his sister. It just goes to show that life can be fragile and how a senseless war can cause the sufferings of so many innocent individuals. And with the North Korea issue making the headlines every so often, who knows when the next war will commence and claim the lives of many.

A really touching movie. So powerful to the point i blog about it.

Noing much..really

2009-05-26T08:01:00.000-07:00

TP stint has ended. Life has basically reverted to the usual slacking mod. Find myself with simply too much time these days! I wouldn't say this is bad, because i have been indulging in things that i really like which i haven't had time to do them in the past.

School is starting soon and this will also mean a new phase of my life. Wonder how it will turn up to be. Gonna be optimistic though. =)

Enjoying and living my carefree life currently and accordingly to the adage:
人生短短几个秋啊不醉不罢休。

That's all folks.

Mindless working

2009-03-26T19:03:00.000-07:00

My schedule has never been so hectic before. I feel that sometimes, people pack themselves with so much obligations that they are unable to find time for anything else at all. That's what is happening to me precisely. My life currently revolves around work and i really mean work only, turning me into a lifeless machine and at times, reducing me to the point of incapacity.

Mindless working has not proved to be without any meaning at all. I manage to derive many satisfactions and fulfillment, and it feels good because i know that i am making myself useful. I have made some new friends, gained many invaluable experiences and learnt many new things along the way. Of course, there is still the joy and ecstasy of receiving the pay slips for all the hard work that one puts in. I really need the income to help finance my university tuition fees and also some courses that i have signed up.

Another huge change in my life is that i have started to drive to work every morning and it is not any ordinary car mind you! It is an old silvery toyota pickup! That's because my dad is a carpenter and i think it's really cool to drive a pickup as compared to a car as it requires more skills. However, i must confess that there is nothing good about driving a truck. The truck's tail is long and you have to constantly bear in mind that you have to make a wider turn in order to avoid the risk of hitting its tail. Once, i was maneuvering the pickup in a narrow carpark and i scratched its tail against a pillar because i didn't make a wide enough turn. That was really noobish driving and i still feel bad about it although it has been weeks since the freak incident. Yet, my dad didn't really reprimand me and told me that driving is like learning a skill, it will be good only with sufficient practice.

Jobs aside, i have tried to make time to pursue my own stuff despite my heavy workload. I am glad that i have passed my M5 test despite my ignorance. Well, i don't think that i should deserve to pass as i havn't really revised for it. Haha. Gonna start on M7 soon :). As for jap, i have completed basic 1 course, gonna embark on basic 2. Ganbatte!

Life After Army

2009-02-15T22:15:00.000-08:00

It has been quite some time since i ORD in November 08. Haven't really gotten an 8 to 5 job though but i am currently working part-time at a tuition centre as an educator and also giving private tuitions to earn some allowances. Of course, i will still jump at any opportunity that offers me an admin job. It's more for the experience rather than the pay.i have tried agencies like Recruit Express and Temasek Poly but to no avail.

The huge pluses of my current teaching job are that the pay per hour is substantially greater and the work is also much more meaningful compared t0 a dull full time clerical job like data entry. I really enjoy the interactions with the students very much as they will often provide me with glimpses into the cute and innocent life that i once used to have. The best of all, i have a lot of free time to myself! Haha. Some people wondered why i didn't try to do relief teaching. I did apply! But no school has called me up as of now. :( Some of my luckier friends who did the same things as me were even offered a contract to teach at schools for months! So envious!

I am going to use the free time i have to do some self-improvement before school starts. Next week, i am going to sit for my CMFA M5 (Rules and Regulations for Financial Advisory Services) exam. It's a basic exam one needs to take before one can offer financial advices. This is a self-study thing and I figure i would go sit for it in order to learn more about products like insurance. :) Passing a few of these modules will enable one to provide advisory services like an insurance agent. I havn't really thought of becoming an agent though. It's more for the knowledge that i would like to gain. :)

I also won't neglect the jap studies that i am currently having too.

Happy 牛 Year!

2009-01-25T21:14:00.000-08:00

新年新气象！我要在这里祝各位新年快乐！万事如意！五福临门！恭喜发财！

今年跟往年不一样，我一家人没回霹雳州老乡拜年。由于我所有爸爸妈妈的亲戚朋友都居住在马来西亚，只有我的家庭这一边是新加坡公民，因此今年可没年拜和红包拿了。

也因为空闲得很，所以新年初一的下午就来这里写博客了。由于元旦节没有好好地计划，也是该时候计划未来的时候了。

我希望在新的一年里。。
1）家人和自己平安，身体平安，事业顺利。
2）自己多快了些。
3）努力考取到JLPT4
4）学业顺利
5）跟妈妈学些烹饪手法。
６）提高自己英语演讲能力。
７）锻炼体力。
８）学说福州及福建方言

竟然不知不觉把自己的欲望更计划混在一起。真的好贪心。

无聊

2009-01-18T08:57:00.000-08:00

人总是希奇的动物。虽然能思考，却容易被情绪操控。人一但有太多感情，就会做出不理智的决定。所谓感情用事，就是指凭一时感情冲动而处理问题。

举几个例子吧。

例1：有人突然逝世。它的亲人必定感到悲痛万分。孩子会为父母的过世感到悲伤。脑子里突然会产生自己不孝的念头，一时之间想发奋图强，为的是不辜负已故的父母。起初你能看到他们的努力，但随着时间走，他们的意志也渐渐不存在了，因为他们已经从悲伤的阴影走出来。

例2：单身人士见到情侣会渴望找到伴侣。情侣见到夫妇会渴望结婚。夫妇见到-个幸福家庭会渴望拥有孩子。这些感情之事往往都是因感情冲动而搞砸的。一个人因一时的冲动想学别人谈念爱，随便找个伴侣，最后的结局也是分手。情侣因一时的感情冲动结婚。日子久了，发现配偶不配，最后的结局也是离婚。

我之所以会谈这些，是因为最近我太情绪化了，太感情用事了。看到朋友们谈情说爱，或者庆祝生日搞21岁生日派对，就会感到万分羡慕。眼看我的21岁生日即将到来，却不是以这种方式庆祝，真叫人感到有点可惜。

都快变大人了还有这种想法在这里诉苦，真是叫人可笑。

我还真是个蠢材。

Opps is jan 09!

2009-01-06T09:46:00.000-08:00

This is so darn random. I gonna be turning 21 soon. They say 21th birthday is a significant milestone in a person's life. It ought to be a celebrated in a fun exciting manner with lots and lots of friends!

But i think i ain't celebrating it that way. That night will be spent tutoring anyway. Work work! Oh well, i guess i will just buy a cake and celebrate with my family after work bah.

Seeing other friends in facebook celebrating 21st birthdays in such grand manners always make me wonder if i am missing out in life. I really hope not.

I figure that i ought to buy myself a bigger cake then! Just for this year. =D

Let's hit the roads!

2008-12-17T23:41:00.000-08:00

My friend and I decided to rent a car on the 16th and 17th december as he wanted to celebrate his ORD. Renting a car was not without much careful considerations since there were high risks and costs involved. We figured that we would still give it a try although we were fresh licence holders. After all, driving is all about accumulating experience. We wanted to be more familiarised with the roads in Singapore and also to hone our driving skills.

We rented a Mazda 3 and we drove to many places. Over the span of 2 days, I travelled through and forth from Pasir Ris to Jurong. I also explored around the east and town areas, trying to remember important road names along the way.
It was quite exhilarating once I got the hands of it, but it was also quite stressful especially when I horlan or when other drivers refused to give way when i wanted to filter into their lanes.

My nightmarish experience didn't occur in the expressways but at Katong. Katong area was packed with traffic during night peak hours and it was hard to navigate around or park. Also, it sux not to know your way around and i felt that driving risks could significantly be reduced if you were familiar with the roads. But thank god i survived it. =D

Overall, it was quite an adventure and my driving confidence had improved tremendously. I felt that the money spent was worth it.

It's time to remember the street directory! =X

Race Photos!

2008-12-06T07:04:00.000-08:00

What is a blog without pictures? Dull. Here are some photos that were taken during the enterprise race.2nd Place for us!!!!Promoting bananas from Madagascar in our marketing campaign!Our bananas are nourished with the natural fertilisers of Madagascar animals!Buy our bananas and get free delivery right to your doorstep!

Stand a chance to win a trip to Madagascar with every purchase!

Update of race results!!

2008-11-23T01:41:00.001-08:00

As mentioned in my previous entry, i took part in two events that were organised as part of the global entrepreneurship month.

First event was called the JA titan held at NUS. Objective of the competition was to run a virtual game company that sought to to thrive, not just to survive. My team of 4, had to make decisions on capital investments, RnD, units productions, units price and marketing that would directly affect our company in order to outwit other competitors running their own virtual companies. Performance of the company was measured by the performance index (PI). Our PI constantly topped the others throughout the quarters and we were excited about winning, as the winning team got to take home a plaque and a coveted 150 Borders book voucher for every team member. As fate had it, we ran out of luck in the last quarter and the 2nd team overtook our PI by a mere few points. It was so damn disappointing as we watched them receiving the vouchers. We were so close to getting them. Yet, we could only sulk and as 1st runner up,we did not get anything by the way. =(

Today's event was called the enterprise race. It was very significant as the winning team got to take home with them a cash reward of $2000! My team was all out to win for this one, after a disappointing performance on the JA titan. We prepared ourselves by running and doing our reseach on companies and present entrepreneurs as hard as we could before the competition . We even went to the extent of going to the starting venue 2 days before the race just to get ourselves familiarised with the surroundings. The race adopted elements from the Amazing Race and it took place in the heart of the CBD area. Participants had to decipher clues and overcome obstacles at a total of 9 stations before they could proceed to the pit stop. The hard work we put in for this one eventually paid off. We came in as the earliest team. However as luck had it again, our total performance points lost out to a RGS girls team (NOT AGAIN!!). Got 2nd again but this time, 2nd place got to walk away with 1k! Woohoo! Besides that, we won the most innovative award at one of the station, and that made our combined revenue 1.3k! Yes! Our real regret for the race was that we didn't get 1st as we lost to the other team in terms of the support they had. The lack of support costed us some valuable points which would have turned the tide of battle :(. None the less, at least we got 2nd and each of us was contented to walk away with a net profit of $305! LOL.

Lesson learnt: Next time must get friends here to support and chear for us.

Peace at last

2008-11-18T18:22:00.000-08:00

Hello Blog. It has been quite some time since i last came.

Important milestones in my life. =DDDD

12/11/08 - ORD LOH!! No more regimentations! It's the beginning of a brand new phase of life. I call it the pink IC paradise.

15/11/08 - Officially matriculated into SMU. Can't wait to collect my student card! That means i can now enjoy the student meals at KFC and MAC finally! There is now no longer a need to feign as student and come up with lame excuses when the counter requests to see your student card. O_O

17/11/08 - PASSED MY DRIVING TEST IN MY FIRST ATTEMPT! This wonderful feeling is even more intense than ORDing. OMG, I thought i would fail initially. The most serious mistake during the test was the one when the tester asked me to turn left and i went to turn right. And that really really pissed him off. It pissed him off so bad that he made #%#@ noise non-stop throughout the entire period. SUPER DEMORALISING and i was thinking OMG OMG i gonna failed. Luckily everything in circuit went smoothly and didn't strike kerb or hit pole.. but on the road was like hell. Freakin lots of cars! Well, that wasn't the main point but they just wouldn't want to let me filter into their lanes because everytime i did, they would speed up and HONG at me. Damn irritating! As if the drivers themselves last time were not L or P plates holders before. Maybe they wanted to bastard me upon seeing my dbl L plates. But heng la, in the end i still passed. =DDDDDD

Upcoming and ongoing events. =DDDD

20/11/08 - Friends jio me to attend some biz challenge at NUS. No idea what it is about. Just go. Must go in teams of four. Winning team will get a plaque and $150 dollar book vouchers for every team member.

23/11/08 - Another competition and i think is call the entrepreneurial challenge or something. Basically is like an amazing race within the CBD area. Must go in teams of four again.

I am currently attending jap lessons with my khakis every friday night. It's rather enjoyable to be in their company cause they are seriously funny asses to be with. Friday night has inadvertently turned into a kind of informal gatherings for us.

I ain't looking for a job now although i did source for some a while ago. But none of them turned out to be suitable sadly. I am kinda relishing my freedom now and i admit i realli love it. The money woes will trouble me another day.But right now, i just want to rest.

疯子的传奇

2008-09-25T10:27:00.000-07:00

因为刚拿了一个星期的病假，所以最近我蛮空闲的。可别以为我出了意外呀！我是动了个小手术，把口腔内四颗智慧牙通通取出。医生把我全身麻醉。所以整个手术过程我是昏迷的，我也不会感到疼痛。但是醒来后却是另一回事。我隐隐约约还记得我在嘴里咬着纱布，鲜血不停地流，很辛苦。麻醉药也渐渐失去效力，感觉很痛。虽然说我有吃止痛药，可是仿佛没有什么作用。麻醉药的副作用也把我弄得死去活来。我感到头昏脑胀，一直想吐，最终也吐了。竟全是血淋淋的。。。

我朋友都说拔四颗牙是疯子。现在回想起来，我真的是疯了!

Boring

2008-08-19T03:30:00.000-07:00

My life has pretty much come to a standstill due to heavy commitments in army. Won't pretty much blog on that due to the nature of my work being classified. Let's just say i am attached to a foreign guest in an exchange programme that will span over a month.

Although the days are long, most of the nights in camp are actually quite free. To kill time, i read a book mostly. Occasionally, my buddy will drop by to teach me how to write some hiragana as he is rather proficient in japanese. Other activities i indulge in include watching movies on the PSP or going to the mess to use the computers. It is rather tormenting to be stuck in camp for a week without going home. Imagine a week of prison life! So i always try to find something meaningful to do.

I have begun to receive steroids injections for my hypertrophic scars or keloids monthly. They are supposed to help flatten my scars by breaking down the interior collagen tissues. Hope it helps cause the process is rather excruciating..

Next month, i am going for a operation again to remove all 4 of my wisdom teeth. It is a rather troublesome procedure because i will have to undergo general anesthesia again. Also, the gums will be stitched up after the ops and i will have to return one week later to remove the stitches. One funny thing i heard from my friends is that they will return the teeth immediately to you after the Ops for memorable purposes. Oh well..pretty worthless i guess.

As the saying goes, every suffering has an end! Another 87 days to ORD! Can't wait... :)

Unit Trusts - part 3

2008-07-18T19:29:00.001-07:00

Unit Trusts is also known as Mutual funds in the US. They are essentially the same thing.

The principle is the pooling of money from small-time investors into a huge account managed by a manager for investment into the financial market.

4 main types

1) Insurance- Studies had shown that unit trusts from insurance company tend to underperform those offered by financial institution. However, quite a huge sum is invested here due to the psycho effect from our insurance agents. Reason is because these funds usually had a huge amount of admin fees associated with it.. these fees are deducted from your funds to serve your insurance needs. Less pooled funds means less investments which also means less returns in revenue! Hence, a life policy is better than investment linked funds.

2)Banks- Banks selling there own funds eg. UOB and DBS

3)3rd Party Bank- Bank that does not manage any funds but sell funds from other financial institutions..Standard Chartered bank is the biggest 3rd party bank locally.

4)Internet Fund House- Popular now because of its accessiblity. Less admin charges apply because 3rd party transaction is not involved.

Charges for Unit Trusts
There will usuabble be a sales charge for most funds...If you read the papers, they will always quote 2 figures..You will always be buying the most expensive and selling at the cheaper price..This difference is the sales charge or the spread..Usually quoted at 5%..However with internet Fund House these days, the sales charge will be lower at around 2%.

There are funds that have only one quote price (e.g Franklin Templetion).
To clarify earlier post whereby i mentioned Franklin Templetion funds have only 1 price instead of 2. This is because the sales charges is already deducted from your investment before they allocate the units to you. Other funds will only deduct the sale charges when you want to sell the units in your holding. Hence the need for 2 prices.

Types of Unit Trusts
There are a few categories the funds are invested in. This is also known as market.

1)Asset allocation-Shares/equities or Bonds or Foreign exchange (Money market) etc.

Depending on your risk appetite, choose the type of asset that suits you...Equities is the highest risk type while money markets is a totally different type of risk ...However, with higher interest rates causing bonds to yield fewer returns nowdays, money pumped into shares will be better. Will confirm again...

2)Geographical allocation-This can be single country eg.China, India, etc or regional (eg. Asia, Europe) or global.

3)Sectoral allocation- Refers to the Biz type-Popular sectors include Technology, Healthcare,Finance..

When deciding which fund to invest in...Consider all 3 factors...For example, if you believe in equities, Asia, Tech...Look for a fund invested into this area.

Point to note, the more specific a fund is invested in, the higher risk it is involved... eg. a Global Balanced Fund will spread out your risks..

Sianz, army committments just get more and more with time.

Points to note for driving today before i forget.

2008-06-08T01:56:00.000-07:00

1. Gear control isn't too good, will occasionally slip in the change between gear 3 and 2. Must sweep left hard to make sure it is gear 2.

2. Moving off from gear 1, make sure left leg is at half-clutch/biting point and step accelerator a little will do. Common mistake is that the biting point is not reached, so the car takes a longer time to move off. This is important especially on slope, as the car needs to move straight away once biting point is reached, if not will roll back. Another mistake is too much pressure on accelerator applied sometimes, so car surge forward.

3. Always step on brake a little if the car is going to fast. And make sure heel does not touch ground when brake is stepped.

4. Have a tendency to park too far alway from the left kerb.

5. Change to neutral gear only if the car has stopped fully. Must step on brake if parking brake is not engaged to prevent rolling.

6. Always make sure to check right before exiting minor road and joining major road. And always use gear 2 when entering zebra crossing.

7. Rear mirror must be adjusted correctly so that the three lanes and the left kerb can be seen.

8. When stopping, brake gradually and when the car is about to stop, clutch in and brake at the same time to fully stop. Brake gradually to prevent sudden stop.

9. For gear 2, always rest at half-clutch before releasing clutch to prevent sudden speed surge and noise pollution.

Unit trusts- part 2

2008-06-07T05:27:00.000-07:00

As spoken on unit trust part 1, the performance of the unit trust depends on the fund manager and the market the funds are invested in. Since the monies we pooled in are controlled and managed by the fund manager, it is essential to research on the manager. Generally, researching the managers has now been a rather difficult exercise due to little advertising and coordinated pool of information. Therefore, one must draw to his or her own conclusion whether the fund managers are capable or not.

With regards to market, it is essential to research on the underlying market that the unit trusts invest in. Unit trusts are often categorised into groups that best reflect what they invest in. Generally, the more "unfashionable" a market has been, the more you should feel comfortable relaxing in it. A fashionable can also mean an unstable market and one will see a lot of sellers as investors try to reduce their overweight position. However, for a unfashionable market, most investors will have a low weightage in it and therefore try to buy in order to restore their weightage.

Buying unit trusts
There are two prices quoted for a unit trust and the higher price is known as the "offer" price. The lower price is called the "bid"price. So when a price is quoted like $1.70-$1.60, one will know that the units were on sale for $1.70 and could be redeemd at $1.60. The difference is known as the "spread", which is usually around 5%.

One must know that there are exceptions to this. For example,Templeton unit trust quote only one price., This actaully means the bid price they are prepared to buy back the units. When you buy, they will deduct from the investment the amount of sale charges and the rest is invested at the net asset value price. The effect on the price you pay is the same, but it saves calculating and publishing two prices.

I think i will take a break for now and look at another kind of financial instrument in my next entry.

Unit trusts- part 1

2008-04-25T03:36:00.000-07:00

I figure that i will start posting financial stuff which has always been my area of interest. Through this, i hope to consolidate whatever i have learnt and share these info with my readers(if there is any in the 1st place). Should there by any absurd rubbish or wrong information posted, do pardon me as i am also learning with you. Lastly, Whatever i posted here is based on my personal opinions and so do not be surprised by my rather subjective views. Without further delay, let's begin!

The wrong mentality with most people is that when they think of investments, they only think of shares and real estates properties. In fact, there are many areas to look at when one is investing. Although shares is a hot favour, i will not blog on this today. Instead, i will touch on unit trusts, which is quite an interesting area for investors. FYI, a lot of info is obtained from books and websites. Therefore,i have to rephrase it in my own simple words in order not to risk copyright infringement.

What is Unit Trust?

A unit trust is a large portfolio of securities (that is equities / shares, bonds and other financial instruments) managed by a fund manager, which is subdivided into "units". It is normally designed for household savings.

How does it work?

Basically, you fill in a simple application form stating that you want to buy a particular unit trust. Your money will be credited into the account of the fund manager a few days later after purchasing. Most unit trusts require a minimun lump sum eg. $1000. In return, you get a number of "units". These units are proportionate to the money you invest in. Normally, you will get a confirmation which will tell you how many units you have bought and at what price. Note that your subscription forms just part of the cash holding of the unit trust's portfolio since you aren't the only guy investing! The fund manager will invest the the total cash holdings in secuities he deem fit in order to reap returns. Working with the manager is the trustee who holds legal responsibility for the running of the unit trusts. Therefore, how good a unit trust performs depends on i.)your manager and ii)the market the unit trust invest in. If the performance is good, your units will be highly valued and you can redeem it for a sizeable amount of cash.

When can i sell it?

You can sell your unit trust at any time by asking your fund manager who will sell the units for you. You will receive the proceed into your bank account most likely in 1 week.

I am tired now and got to sleep early because there is duty tomorrow. I will touch on why the fund manager and market matters so much in the performance of unit trust in my next entry. Here is a sample of a unit share site taken from poems( philips securities brokerage firm) More info on broking houses next time! http://www.poems.sg/FinancialServices/unitTrusts.asp

Other unit trusts sites
http://www.aberdeen-asia.com/aam.nsf/Singapore/Home
http://www.dbsam.com.sg/
http://www.nacm.com/
http://www.ocbc.com/personal-banking/investment/Inv_Unt_Listing.shtm
http://www.franklintempleton.com.sg/sinsite/home.jsp
http://www.uob.com.sg/pages/personal/investments/unittrust/index.html

Glossary

i.Equity is simply share. Some people like to use equity as a financial jargon for share just to appear chim and that's what i think. It means a part of a company's capital which is owned by shareholders. Although i read in SGX site that equity shares means a special kind of shares in a market..maybe it does have a different meaning. But all i know now is that equity is share.

2.trustee-Trustee is a legal term that refers to a holder of property on behalf of a beneficiary. In this case, the trustee makes sure that the fund manager manages the securities sensibly on behalf of the beneficiary which is you.

3.Portfolio- Investor’s holding of securities of various types. The wise investment policy is to build up a balanced portfolio according to personal requirements.

4.Securities- A term used to refer to all shares, debentures, notes and bonds

Nice chinese oldies

2008-03-17T07:24:00.000-07:00

醉花 by 蔡幸娟

Frens driving frenzy

2008-03-16T04:32:00.000-07:00

Lately, my friends have been scrambling to get their hands on the much coveted driving licence. Not surprising, some of them already possessed it and are now eligible to cruise on public roads. I forsee that in the near future, there will be even more friends signing up for driving course as getting a licence is the 1st step to owning a car in their never ending 5 Cs chase. This is indeed a contrary to the past, whereby only the well to do can afford a car due to the high tax payment. Now, as singaporeans become increasingly affluent, educated and materialistic, owning a car is considered a normal and easy thing to do. Everyone in the rat race wants it.

Our dear Gahmen is not blind to this problem. They are not oblivious to the amount of cars currently present on the roads, and they just keep growing and growing. Road hogging, jams and accidents are more prevalent then ever before. Now, a trip along PIE to your destination will be more time consuming since there will be a jam on the expressway every now and then. The Gahmen has been trying to curb this problem recently by introducing more ERP gantries and capping the amount of cars that can be sold every year. Although it did help in some extent, i still believe that more and more drivers will hit the road each year, and massive crowding will inevitably arise.

Common, they always tell us to use public tranport by giving excuses like the oil shortage crisis, or that the process is cost efficient and we are doing a bid for the environment. Try telling that to a scholar or a financial hot shot to take public means and most probably they will shun you away because they are NOT going to give up their pursuit on a car. To them, a branded car symbolises elitism, power and superiority. "So what if you own a lancers, i gonna own a jaguar" is their only way of thinking sadly.

So would there be massive traffic congestion in the near future? The answer is quite obvious. Maybe the opening of the new KPE will alleviate the problem a little. But unless there is a world crisis like a sudden exhaustion of oil resources, the problem is here to stay.

I know i have been babbling on and on. This is a very random and probably my longest blog entry. It all arises because of a ride my friend gave me in his newly rented car. He had just received his licence weeks ago. My two other friends and myself in the car were admiring at his ability to control the steering wheel. To me, driving is a symbol of adulthood. Otherwise, i am still a kid if you know what i mean, a kid who is been driven around by an adult who is in actual reality my friend. That is why i am going to lay my hands on the licence no matter what. My two other friends are going to pick up driving as well due to influence.

It has just become another cheese for us rats to chase.

家庭欢乐

2008-03-11T07:09:00.000-07:00

每但我与身边的朋友和他们的家人交流时，我总会觉得我的家庭是独一无二的。我并不像许多朋友那样的富有。他们的爸妈都是受过高等教育，拥有薪资高的职业。他们的生活也是多资多彩得，都会在空闲时抽出时间和金钱到一些西洋餐馆或地方凝聚凝聚。相比之下，我的父母没受过教育，不识英文字, 没有月薪丰富的工作，也从没有带我和妹妹去过太西洋化的地方。Mac 和 kfc 是有去过啦！我指的是那些太昂贵的地方如 Pastamania, Swensens 等等。有些连听都没听过，哪还会去呢？呵呵。

虽然如此，我从不嫌弃自己的家庭背景，也不会去羡慕朋友的奢华生活。他们驾的是豪华轿车，我们驾的是 Toyota 小型货车。因为前方不够位做（顶多三人坐），我只好呆在货车的后端。虽然行驶时吹不到冷气和拥有广播电台音乐的陪伴，我却能感受到强烈的风势和美丽的风景，也蛮不错呢！

我其实尝试过带父母去那些有名的西洋餐馆。可是他们都会拒绝我，说不会吃那种食物。所以我们每次都去咖啡店吃煮炒。那里有各种各样的菜肴，不但好吃又便宜。

所以朋友，要是你知道我一生中从没去过 Seoul Garden, 你可以笑我的无知和怀疑我的家庭抚养。但我却告诉你，我喜欢和家人在加冷一带团聚共享天外天火锅，你可知道那是哪里吗？

不同的方式与家人一起度过家庭时光吧了。

Just do it

2008-03-08T17:38:00.000-08:00

It just came as a complete revelation. I have finally perfected a skill to empower people and get them motivated . Thanks to the insights gained from a friend's birthday party.

We always encounter difficulties whereby one has troubles getting people to attend outings because many of them won't give an answer and will just back out at the last min even if they have agreed to come.

Well, if your friend is unethusiatic or hesitant about attending gatherings or functions, try sending a very CUTE SMS imploring them to come. Dabbles with fonts, colours, whatever to make it interesting. Contents of the message as followed.

Friend, what you thinking? Don't think so much. Just comeeeeeeeeeeeee!:))))

You would be surprised at the effect of this message. Chances are that they will attend the event or functions. Cheers! This message can also be adjusted to suit the needs in different contexts. For example, you want to invite a friend along for running but he seems quite reluctant and undecisive. Tell him that he is thinking too much and ask him not to ponder, just run. You will see him saying okay to you in double quick time. Lolx

Oh yea, recently indulged in a reading spree in camp due to the sudden outburst of free time from being an admin clerk. Read like tons of books already. The only bad thing is that my camp forbids psp so i can't really play. Well, reading is a good thing to make the time pass by, although the activity is really passive i must say. My friend used to ask me how i managed to concentrate amid the noises and stares by superiors in the office. My answer to him is quite expected.

Don't think so much. Just read. :)

香水有毒

2008-03-01T10:35:00.000-08:00

Obsession with a song can sometimes do wonder to your soul or spirit. My ears are glued to this song for days already and still not sick of it.

Sorry to disappoint if you reckon this would be another piece from artistes like JJ or Jay chow.

歌手：胡杨林专辑：香水有毒(宣传单曲)

词曲:陈超编:江建民

------
我曾经爱过这样一个男人
他说我是世上最美的女人
我为他保留着那一份天真
关上爱别人的门
也是这个被我深爱的男人
把我变成世上最笨的女人
他说的每句话我都会当真
他说最爱我的唇

我的要求并不高
待我像从前一样好
可是有一天你说了同样的话
把别人拥入怀抱

你身上有她的香水味
是我鼻子犯的罪
不该嗅到她的美
檫掉一切陪你睡
你身上有她的香水味;
是你赐给的自卑
你要的爱太完美
我永远都学不会
----

Up pes to escape tyranny?

2008-02-21T23:55:00.000-08:00

Recently one of my army friend made a remarkable move and set an example for all Singapore sons to follow by upping his pes status from C to A.

For all those who are unclear of pes status, pes status determine your suitability for vocations in the SAF, with the fittest being graded A and the problematic ones being graded C or E, depending on how serious your medical conditions are.

Many people will therefore try to downgrade to pes C or E so that they can go into slack vocations which are often not demanding.

Upgrade is quite rare and virtually unheard of.

Apparently, this poor friend of mine was initially granted pes c and was given a role as an admin or clerk assitant. However, he confounded in me that work pressure in admin was so great that he would rather pick a rifle and fight in the front line then being arrowed by superiors to do clerical saikang. I was appalled.

Moral of the story is that life is camp is so f*** up no matter where you go.

261 days to ORD!

Must strive for ROD! No reservist. :)))

Would you last?

2008-02-15T04:47:00.000-08:00

A morbid grim title i have for this entry. Can't help it because i have seen how vulnerable lives really are. Recently on the local news were the deaths of two poly students in a car crash and a 19 year old army boy in a fatal motorbike accident. A pity.

Life can be fragile. Treasure time and your loved ones always.

Be aware every morning that you may not last the day,
And every evening that you may not last the night.

-Engraved plaque in the catacombs of Paris

Depression is a pestilence

2008-02-03T05:16:00.000-08:00

I would say that the few hours prior to the booking in timing every Sunday are the least meaningful and unproductive. It is during this time that most army personnel will just lock themselves in their room, fixing their eyes on their computer, rotting to...book in. Face it, the options ain't many when the poor army guy is required to book in at 10pm or 11pm and the clock reads a pathetic 7pm. So here i am now rotting my time away and blogging in front of the computer, unable to attend any gathering due to lack of time, just waiting to book in. Sigh.

This can be classified as a case of depression i think. Because it will just get
worse. The last 15 min to booking in is what i call the "blackout timing" because your mind is in a blank, oblivious to the happenings around you. Wait a min, how can there be "happenings" when you are confined in your own room? You have just switched off the damn computer, wore your damn polo t-shirt when you suddenly awe in utter amazement to find out that you have another 7 min to go before you step out of your door and venture to hell. 7 min... shit! And you immediately blame yourself for the stupidity of switching your com at such a early time. With nothing else to do, you just slump yourself flat on the bed and use the time left to stare at the ceiling...... What i just did is to echo the sentiments felt by many army people prior to booking in.

Sux. i am off to hell now.

Exasperation

2008-01-30T04:50:00.000-08:00

People are a bunch of funny things. They tend to have a second look at aberrations. Likewise for me, i tend to think that clubbers are interesting people, because i cannot understand the fun of clubbing. I guess that when one finds some element that is different, one will tend to notice it and will want to find out more. In the case of my scarred finger, i have begun to attract stares here and there. Coversely, if clubbers find conservative people like me reading a book, or using my free time to play boardgames like SCRABBLES instead of grooving high to some disco music. I would probably be their center of attention because i am against the "norm" to them. They might think i am a weirdo or something...hmmm...

Well,the point that i want to bring across is that cliques are formed based on this societal differences because birds of the same feathers flock together. In my army circle of friends, buddies of old times have moved on to forming new cliques and relationships have soured over times. It was because differences exist between me and my buddies. Many of my army friends are english speaking, love clubbing, love to sing english songs and the night life which i don't really have a passion for it. Although i can't say i don't, but theirs is a bit too frequent and extreme for me. Naturally, i find myself being an outcast and have moved on to joining new cliques. I also find myself speaking less and less to my buddies of old times, and will feel a tinge of sadness whenever they go clubbing and i don't get invited. I understand that it is my fault that my personality don't match theirs and i ain't really their good old buddy anymore, although i did was in the past... I do feel neglected sometimes, but i can't force myself to conform, otherwise i wouldn't be myself anymore.

I just wish i will fit in once again.

Something lurking in the mist!

2008-01-26T21:55:00.000-08:00

Caught the movie The Mist recently which is a adaptation of the novella by horror author Stephen King. It is about a group of people being trapped in a supermarket by an outerworldly mist. Mayhem ensues when they realise that there are strange beings lurking in the mist which seek to eviscerate anyone who dares to venture outside. The group of people needs to pull themselves together in order to survive. One thing interesting about the movie is that it brings out the darkest nature of human behaviour in times of adversity as the protagonist not only have to fend off aliens, but also have to grapple with the people within the confined supermarket to prevent them from doing stupid things that would endanger everyone's lives. Highly recommended movie to all. The ending was also too unexpected that i walked out of the cinema feeling dazed and falling into a state of comatose.

This movie inspired me to read the book and i found that The Mist is actually found in the book Skeleton Crew which is an anthology of many short horror stories. Managed to borrow it at my nearby library. :) There is also a official movie book written by stephen king himself for this movie.

Class gathering!

2008-01-12T08:46:00.000-08:00

Recently attended 2 class outings last week! Due to the fact that i am tired now, i won't describe much about the events. Anyway, i was really glad to see so many of my old friends because the turn up rate was good! Wish there would be more gatherings in the near future! Some photos for my memory. :)) One more thing, my army life had being really busyyyyyyyy....so much admin stuff to do, store stuff to settle, items to be returned , indentations of items, unit rations forecast...Although my job scope is different now, it is still tough. Who says admin and store is slack in the 1st place? So much to do, so little time..

怎能忘记旧日朋友心中能不欢笑!

盼望退伍的日子-121108

2008-01-04T20:12:00.000-08:00

有人说在兵营“度日如年”，这句话果然没错，简直就是经典话. 但因军事法令, 所以不能透露生活情况, 免得惹祸上身. 总之我在这里又做不完的琐事, 忙得不可开交. 本以为受了伤就没那么辛苦了, 看来大错特错了.

最近手指的疤痕也来也成熟, 红肿, 很难受....

迎接2008瞬间的启示

2007-12-30T07:09:00.000-08:00

2007 转眼间就要跟我们告别了。说真的，2007 对我来说是个不顺利的一年。奶奶的病逝，我食指的重伤，再加上我在兵营的地狱般生活，已经够折腾人了。希望新的一年快快到来，把我身上的霉运通通送走。：）

现在距离2008年只剩下短短几个小时，我的喉咙却开始发炎，想必一定是感冒的症状。。真的很不希望已不适的身体来结束2007啊。。。

每逢洋人新年来临时，各个新加坡角落都会举行一些倒数派对活动。我可能会跟朋友到度假村那里看看一些表演。

2007虽然让我受了重重挫折，但我也从中领悟到了许多东西。特别是人生无常，事物难料的哲理。我们应该把每一天当作人生的最后一天来看待，只有这样我们才会珍惜生命和现在所拥有的一切啊。

祝大家有个快乐的新年！！！！！

Missing you

2007-11-18T00:16:00.000-08:00

Now i don't have the chance to drink your self-made soyabean or visit you whenever chinese new year comes.

Dad and i miss you, Grandma.

Evil people at large

2007-11-16T04:21:00.000-08:00

In this increasingly materialistic society, success is defined by one's education level and the power one wields. When people think they become successful, the evil in their heart starts to grow so strong that they become engulfed by their own individual darkness. That is when sadism kicks in.

Their ego is so huge that they think they are at the cutting edge or at the top of the world. Ordinary people are like lower lifeforms in their eyes. They believe that the world cannot do without them; they are important or so they think. What a putrid way of thinking seriously.

Recently i came across such sadists.

Medical doctors in my barracks became my nightmare due to their "professionalism". First doctor called me the "taiwan joker" for substaining this finger injury. The reason he said that was because i was injured in taiwan. I felt so hurt and yet i could do nothing. I thought things would turn better when i saw a second doctor. The next bastard however, started telling me stories.

"Last time in army there were 4 people who desperately chopped off their right index finger to escape army. The 1st, 2nd and third succeeded. But the fourth didn't.."

I was stunned momentarily upon hearing this and i became more aggressive. I questioned the doc whether he implied i was trying to siam army. He said he didn't. Yea, right. He also threatened to cut short my MC and if my next MC was prolonged, he would call to check with my specialist again. Apparently, the two weer friends. I tried to explain to him why i needed such a long MC. He didn't bother to listen and made decisions based on his wrong sense of judgement, saying rubbish along the way like i am still fit to fire guns and do all the shit.

I was boiling with anger as i wrote this and maybe next time if i were to see him in the street i could teach him a thing or two. Let the doc says whatever he wants, i will just throw another MC at him. So what if he is a doctor or a captain. It makes me puke to think that these are the kind of people who practise medicines.

No more being Mr nice guy kahhaw. The world is sadder than you think it is.

Night accident

2007-11-10T09:34:00.000-08:00

My constant fear of dad's health condition became reality at 2am yesterday when my dad complained of right loin pain. I only knew about this after mum came bursting into my room asking for help. The pain became unbearable for my dad and we rushed him to the hospital by cab. All of us were especially flustered during the ride because it could be a kidney problem. Dad was attended to shortly and doc suspected that the problem might be kidney stones but she wasn't sure yet. Dad was then administered a painkiller injection before going for x-ray and a urine test. I prayed very hard for him and luckily nothing was wrong with the test result. Doc then gave him a laxative to clear his bowels and my dad felt much better after that. Therefore, it might be severe constipation and dad was subsequently discharged. He would need to come back to the urology department again for a medical appointment in 2 weeks time. As of now, everything is still fine.

A second chance

2007-11-07T20:16:00.000-08:00

My recovery is doing very well. Although my right index finger still cannot bend completely,the middle part of the finger has recovered to the point that i can clench my fist and grip things now. As for appearance, it looks like a nice new finger except for the deeply etched scars. Will continue to do more physio. Thank you for the miracle.

2007-10-24T07:54:00.000-07:00

My life has recently took a turn for the worst. Doctor was quite sure that my right index finger would not be able to bend completely after a freak accident in NS. the shock came too suddenly and too much for me to bear that i was left virtually traumatised. It was after a long time before i came to terms with this fact, and began to understand that this was just a reality of life. The accident had allowed me to focus on the things that truly matter in life. My family was my pillar of support as i was going through this difficult time, often asking me to take it easy and saying that i was lucky enough already. I appeared strong in front of them, but emotions would overwelm me every night that i would sob while trying to sleep. Every now and then i would contemplate about my future, and it seems so bleak. Things which i took for granted long ago like writing and gripping firmly seem like chores now, because i have difficulty doing them. I worried about tweeny little things like how i am going to fare for myself and take care of my family in future. They all seem so far-fetched and ridiculus but i just couldn't control these thoughts that keep swirling in my mind. I am physically impaired now although i hate to admit it. I have begun to practise writing with my left hand now.People might think that I am crazy or something, but i am just doing everything that i can to salvage the situation...

一首我喜欢听的歌 “酒干倘卖无”

2007-07-21T03:56:00.000-07:00

“酒干倘卖无”，就是说，“有空酒瓶卖么？” 这首歌我从小就喜欢听了。今天在百度搜寻歌的时候才偶然发现到它背后的故事。我本身觉得蛮感人的哦！这也是我第一次在薄客用华语字来表达自己，认为挺困难的。以下就是我所读到的故事背景。

酒干倘卖无　　

《搭错车》是台湾影史上最著名的一部歌舞片，造成了5个月内8度重映的空前纪录。影片中孙越饰演哑叔，是一个退役的台湾老兵，以捡拾破烂为生。1958年冬天的一个清晨，哑叔在高级住宅区捡回一个被遗弃的女婴，取名阿美。此后，哑叔又当爹又当娘，父女二人相依为命，在艰辛贫困的日子中挣扎，凭借着微薄的收入将阿美抚养成人。在青年作曲家时君迈的帮助下，阿美成了一名红歌星。不料阿美成名之后，竟然遗忘了哑叔对她的恩情。后来，当阿美领悟到不能奉养老父的辛酸时，身患重病的哑叔却已躺在床上，只能从收音机里听着女儿熟悉的歌声，怀着思念、悲愤的心情离开了人世。虞戡平导演本片的手法无疑有点煽情，但深具感人效果，在80年代中期甚至呈现了一点批判社会不义的讽刺性。本片获第20届金马奖最佳男主角奖、最佳原著音乐奖、最佳电影插曲奖、最佳录音奖；获第3届香港电影金像奖最佳音乐奖、最佳电影歌曲奖。　　

“酒干倘卖无”是《搭错车》的主题曲，由侯德健作曲，罗大佑与候德健作词，苏芮演唱。歌曲中溶入了子女对父亲的爱，体现了故事与音乐互动的完美结合。歌名是台湾方言，是当地捡破烂者的口头语，就是问人家“有没有空酒瓶卖”之意。由于苏芮的歌声极具韧性，加之宽广音域造成了一种强烈的沧桑感，并用最简单最质朴最催人泪下的音乐语言实现了热切情感在刹那间的爆发。特别是在影片结尾女儿悔悟的时候，父亲却已告别人世，熟悉的歌声再一次响起，让人感叹不已。　　

本片亦捧红了为影片唱主题歌及插曲的苏芮。“洒干倘卖无”及“一样的月光”、“请跟我来”等歌一时间风靡台湾全岛，并进而风靡了祖国大陆、香港地区，街头巷尾到处都回旋着苏芮摄人心魄的歌声。人们很快发现，苏芮近乎呐喊的演唱是华语歌坛未曾有过的一种声音，一种“力量”。而这力量不只是声音的威力，而是歌者本人不屈的生命力。

希望以后能看到这部电影。明天我又要回去兵营了，心情又变得有点沉重了。我脚底下又生了几个鸡眼，走路时有时会疼痛。看来我只好忍受了，因为在多十二个星期我就会擢升为三级上士<3rd sergeant>! 真希望课程会顺利完成！

2007-07-09T05:54:00.000-07:00

The past few days were probably one of the most torturous and depressing moments in my life. On friday afternoon at camp i received the bad news from my dad that my grandpa had passed away. i therefore applied for compassionate leave and left for perak with my family.

The cause of my grandpa death was cerebral bleeding. i saw many of my relatives there at his funeral and we grieved for his loss. My grandpa was a poor man and at his age, he still had to work as a cleaner at a hawker centre because he could not retire. i also learnt from my dad that my grandpa requested for cremation while he was still alive as the burial process was too costly.

This further reinforce my mindset that money is everything. I want to grow up earning lotta of money so that i can provide for and take care of my loved ones. The old times that i used to spend with my grandpa when i was still young will always stay vividly in my memory. I will miss him forever.

2007-06-17T05:26:00.000-07:00

There is still a few mins before i book in to the so called army "prison" and so i will blog briefly now after what seems like centuries since my last post. I am currently a trainee at a armour school in sungei gedong camp after graduatiing from sispec . Life here is quite okay so far except that you have to learn tons of shit here.

I have also accepted the offer to study at SMU business and i hope that i will do well there. But the school fees is super exp...

Got to book in now. BYE

Long weekend bookout

2007-04-29T20:27:00.000-07:00

This is a interesting persoanlity test i took recently because i was so bored. The results as followed.

Read my VisualDNA™ Get your own VisualDNA™

Time flies

2007-03-24T21:59:00.000-07:00

It has been a long time. Completed my basic military training. Went through lots of sad, happy and tough times with my brothers. Anyway, i am posted to Sispec and i will be going back to army real sooooon...Oh yea, i also applied to all the biz courses in all the 3 uni. Haha.

Some really inspirational statements that i have stumbled across.

８０句经典话语
01.每天告诉自己一次，『我真的很不错』02.生气是拿别人做错的事来惩罚自己03.生活中若没有朋友，就像生活中没有阳光一样04.明天的希望，让我们忘了今天的痛苦05.生活若剥去理想、梦想、幻想，那生命便只是一堆空架子06.发光并非太阳的专利，你也可以发光 07.愚者用肉体监视心灵，智者用心灵监视肉体 08.获致幸福的不二法门是珍视你所拥有的、遗忘你所没有的09.贪婪是最真实的贫穷，满足是最真实的财富 10.你可以用爱得到全世界，你也可以用恨失去全世界11.人的价值，在遭受诱惑的一瞬间被决定 12.年轻是我们唯一拥有权利去编织梦想的时光 13.青春一经典当即永不再赎14.没有了爱的语言，所有的文字都是乏味的15.真正的爱，应该超越生命的长度、心灵的宽度、灵魂的深度 16.爱的力量大到可以使人忘记一切，却又小到连一粒嫉妒的沙石也不能容纳 17.当一个人真正觉悟的一刻，他放弃追寻外在世界的财富，而开始追寻他内心世界的真正财富　　18.只要有信心，人永远不会挫败19.不论你在什么时候开始，重要的是开始之后就不要停止20.不论你在什么时候结束，重要的是结束之后就不要悔恨 21.人若软弱就是自己最大的敌人 22.人若勇敢就是自己最好的朋友 23.『不可能』只存在于蠢人的字典里 24.抱最大的希望，尽最大的努力，做最坏的打算 25.家！甜蜜的家！天下最美好的莫过于家26.游手好闲会使人心智生锈 27.每一件事都要用多方面的角度来看它28.有理想在的地方，地狱就是天堂29.有希望在的地方，痛苦也成欢乐30.所有的胜利，与征服自己的胜利比起来，都是微不足道31.所有的失败，与失去自己的失败比起来，更是微不足道 32.上帝从不埋怨人们的愚昧，人们却埋怨上帝的不公平 33.美好的生命应该充满期待、惊喜和感激34.世上最累人的事，莫过于虚伪的过35.觉得自己做得到的和不做到的，其实只在一念之间 36.第一个青春是上帝给的；第二个的青春是*自己努力的 37.少一点预设的期待，那份对人的关怀会更自在 38.思想如钻子，必须集中在一点钻下去才有力量39.人只要不失去方向，就不会失去自己 40.如果你曾歌颂黎明，那么也请你拥抱黑夜 41.问候不一定要慎重其事，但一定要真诚感人 42.人生重要的不是所站的位置，而是所姆较43.当你能飞的时候就不要放弃飞44.当你能梦的时候就不要放弃梦 45.当你能爱的时候就不要放弃爱 46.生命太过短暂，今天放弃了明天不一定能得到 47.天才是百分之一的灵感加上百分之九十九的努力 48.人总是珍惜未得到的，而遗忘了所拥有的 49.快乐要懂得分享，才能加倍的快乐 50.自己要先看得起自己，别人才会看得起你 51.一个今天胜过两个明天52.要铭记在心；每天都是一年中最美好的日子53.乐观者在灾祸中看到机会；悲观者在机会中看到灾祸 54.有勇气并不表示恐惧不存在，而是敢面对恐惧、克服恐惧 55.肯承认错误则错已改了一半56.明天是世上增值最快的一块土地，因它充满了希望57.理想的路总是为有信心的人预备着58.所有欺骗中，自欺是最为严重的59.人生最大的错误是不断担心会犯错60.把你的脸迎向阳光，那就不会有阴影61.经验是由痛苦中粹取出来的62.用最少的悔恨面对过去63.用最少的浪费面对现在 64.用最多的梦面对未来 65.快乐不是因为拥有的多而是计较的少66.你的选择是做或不做，但不做就永远不会有机会 67.如你想要拥有完美无暇的友谊，可能一辈子找不到朋友 68.不如意的时候不要尽往悲伤里钻，想想有笑声的日子吧69.把自己当傻瓜，不懂就问，你会学的更多 70.要纠正别人之前，先反省自己有没有犯错 71.因害怕失败而不敢放手一搏，永远不会成功 72.要克服生活的焦虑和沮丧，得先学会做自己的主人 73.你不能左右天气，但你能转变你的心情 74.孤单寂寞与被遗弃感是最可怕的贫穷75.想象力比知识更重要76.漫无目的的生活就像出海航行而没有指南针 77.好好扮演自己的角色，做自己该做的事78.一切伟大的行动和思想，都有一个微不足道的开始 79.得意时应善待他人，因为你失意时会需要他们 80.学做任何事得按部就班，急不得。

Bye bye

2007-01-09T22:30:00.000-08:00

Going in army this sat..13th jan 2007. What is there to say? Nothing. Cya people next time!

Everyday is the same

2006-12-10T07:33:00.000-08:00

Oh no... nothing really special occurred ever since my work ended. The only thing worth mentioning is that i had my 1st karaoke experience at kbox at suntec city. Sang mostly sad chinese songs that were mostly oldies.....the ones often heard at 97.2 FM. My frens sang mostly jay songs and some english songs. Overall, it was fun but it also pained me to pay 13 dollars just for a 3 hr session. Other than that, i sang terribly..oh well. Rest of the days were spent by slacking at home reading comic or going out occasionally with friends. Quite normal. Won't be blogging until i came across a interesting event...which might take quite some time since my life is a bit boring and screwed up now.

Holiday mood kicks in

2006-12-06T16:14:00.000-08:00

Busi, busi and busi. Did a lot of unforgettable things....During the last day of sitex, i was knocked off from work at 3am and had to ask dad to fetch me home. Was also damn angry that day becoz i got only a bonus of 30 dollar. Felt that i should deserve a lot more since i wasted a lot of energy and breath as i was the loudhailer that day..... Being a loudhailer was a bit embarrassing but i just simply did what i could do. But y 30.... grrrrrrrr. Even the caishier got 60 dollars, damn it.

Then slept for about a few hours before i made my way to marina square to buy my prom attire as the next day was prom. Really in a rush.... Oh yea! Prom night proved to be a unforgettable experience for me. Also took quite a lot of pictures with friends together. The food was really good too! The ambience was perfect, settings were perfect...and i also saw a special person that day.........:)

Went clubbing with classmates after prom and i swore not to go there again. Just went there for the experience would do. It is a place of hell. The PSI there was really close to 300 and i dance to my heart content. Got myself slightly drunk after drinking one glass of redwine and orange volka. Had to put up a night at a hotel with the rest of the class till 6am in the morning so that i could take the early mrt home.

Roadshow nightmare

2006-12-01T07:22:00.000-08:00

Things are really hellish at sitex. It's crazy! It's*&^&%^& seriously. You bleed non-stop becoz u accidentally cut yourself or your nails crack due to rough friction. Your legs feel like collapsing at any moment because there you have little rest. You get to pit your aural skills against unreasonable customers. And u tio gan every now and then becoz the goods u sold dun tally with what is left. You stay up really late trying to count the same exact stocks again and again becoz a different number of items appear everytime u count finish. You pray that you can catch the last train at 11.45. You are *&^(&*&^*worried becoz u realise that 10 2 gig USB flash drives are missing when you swear that have last seen them 1 hr ago. You lament at how poor your maths (16 times 8 gives you 100?) and your memory is . You lament also at the stoopidity you display during the show like how do to use a price tagging machine. What's the difference between USB hub 2.0 and USB 1.1? Sigh! stress indeed! These are really the woes of running a roadshow for a noob like me.I really learnt a lot. The last 2 days of sitex exhibition will be sat and sun! Even more stressful if u think about the no. of ppl that will turn up on these 2 days. I need to get as much rest as possible. Cannot afford to tio gan again...Tomolo will indeed be very xiong.

LiFeZ after A's

2006-11-27T06:13:00.000-08:00

These few days have been very hectic and meaningful, so i didn't blog. As usual, in order to keep things brief and simple, i shall recount the day by day events.

25th november

Went to pan-i complex at Ajunied at 10.30am to report for the first day of work in preparation for the upcoming sitex 2007. Basically, the job was rather simple as it was all about sorting and arranging IT stuff( mouse, printer ink, card reader, USB hub...). This was also the 1st time in my life that i was exposed to so many IT contraptions. Anway, worked till 8pm and was totally shagged by then. Expected about a revenue of 40 to 45 bucks.

26th november

The day of class chalet! Needless to say, the whole class had a lot of fun! Went pooling, arcade, manjong, ps2, cards and many more! Had a bbq at night and the whole class engaged in a chit-chat session. Setiments and emotions were high as the class relished and shared the things they did in the old times.
This day was also the clash of two EPL titans, namely Manchested United and Chelsea. So at about 10pm,i went with some classmates to chjmes at city hall to watch the match live in a big giant screen.We ordered a jug of alcoholic cranberry juice and this ripped 10 bucks from my pocket. The atmosphere there was really very hyped up as we were watchin the match with other fans as well. Majority of the fans there were Manchester United fans and their shouts and really proved their fanatism with football. The match ended with 1-1. Since i am a Arsenal fan, i did not feel very affected by the results. In the end, we took a cab back to the chalet.

27th November
The last day of chalet! Went to wild wild wet after we checked out from the room. This is the 1st time i went to wild wild wet and i must say that it was fun fun fun! Tried out all the exhilarating rides and i could really feel the blood pulsing through the veins. However, there was a heavy rain in the mid afternoon and the park had to be closed. But the rain soon subsided and we went backto have fun again! Heh-heh.
After the wild wild wet activity and the sleepless night in chalet, i went to to orchard with my fren weichee while the rest of the class went home. The purpose of this trip was to scout for prom stuff and i could not do it on other days because i got work. Orchard was indeed shimmering and glowing after been adorned with all the christmas decorations! Went to a lot of places like Wisma, taka, ngee ann city but the price of the prom attire were indeed very shockening. In the end, we found the cheapest clothing at tops men shop nearby Wisma Atria and we tried out some suits, which was actually an excuse for cam-whoring!

Haha, ok i think i look kind of stupid. I am reallyvery tired now after all the activities. Tomorrow still need to report early and toil at Expo hall. But on the bright side, i would be expecting a remuneration of about 400 dollars by this sunday! Enough to buy for a prom attire! Work hard i must! But now is sleep.

The end is only a new begining

2006-11-24T02:51:00.000-08:00

Been really busy these few days. Let me recount some of the events.

Day before the last paper: Studied a bit of bio and went for job interview.
Day of last A lvl paper: Went bonkers after the bio MCQ paper because it was finally the end of the A lvl!!!!!!!WOOHOO!!!!!!!! i then went with the class to indulge at Seoul Gardens. Had a great feast and also had a memorable egg accident. Couldn't even crack an egg properly..:( After the feast that left me totally bloated, I then made my way to Vivo city for a memorable outing.

Today: Played the whole day at home and about to go downtown east for a swim. Hahaz... but i will have to go home early because my job will start tomorrow. I will be a promoter at the upcoming sitex 2006 at Singapore exp Hall 3(i guess) from 30th to 3rd decem. Tomolo job is to get familiar with the products and hopefuill to arrange the stuff. Also need the quick cash for a prom suit. Still deciding to buy or rent, havn't even gone to a prom before, wonder what it will be like.....hmmm....

Bankrupt

2006-11-21T07:43:00.000-08:00

Spent quite a lot today and also did a lot of things. Didn't touch a single thing on bio even though my paper is this coming thursday. Here is a brief account of the list of stuff i did today.

10am: wake up
10am to 12.30pm: Slack and do miscellaneous stuff
12.30 -1.30pm: shop for new swimming trunks
1.30 to 3pm: go frens house borrow stuff and a long walk to swimming complex
3pm to 5pm: swimming
5 to 7: Eat dinner at a japanese restaurant. The " tokaso ..."wateva (forget the name) i ordered was extremely delicious.

After that, we watched "Casino Royale" at Tampines Mall.

All these left a deep hole in my pocket. Cannot survive this week alreadi. And crap! My keyboard just went crazy, sometimes type nothing come out one......

Just realised i played too much, will study bio tomolo. Rite now, i shall end here and go get some coffee. Bye.

Charity marketing? My balls

2006-11-20T08:27:00.000-08:00

Had bio paper 3 exam today, was rather manageable. :) Then went to east point to buy a ball mouse for 6 dollars(had to control my expenditure) because my mouse was spoilt. On the way, picked up one interesting flyer...

Earn up to 60 dollars daily!
Parttime/Full time
Age 16 and above only!
Call Peter now at XXXXXXXXX

Of course, Peter was just a name that i randomly use( the real name on the flyer cannot say). Anyway, it was a job offer which seems rather irresitable so i called to enquire about the nature of the job. The guy picked up the phone and instantly said that he was not Peter because Peter was away at the moment. I began to be suspicious when he mentioned that the job was charity marketing. Charity marketing...hmmm, at once i suspected that the job was about selling charity tickets. I asked him to be more direct and he admitted that it was about selling charity tickets. EARN 60 bucks daily by selling charity tickets? How can it be possibe! It seems like a joke! I immediately sense that something was seriously amiss but i didn't convey it to him. I then asked him about the charity network and he replied that it was we-care charity. Seriously, i had never heard of such charity. I then asked him if the charity has a website, he then paused for a moment and told me that it was www.we-sharecare.org.com. I accessed this site and just as expected, no such webbie exist. The charity was all a bogus set-up, a set-up by sinister people who wanted to scam people of their money through selling bogus charity tickets. The website was probably also made up on the spot in order to convince me. Such horrendous actions! I declined and never talked to him again....

Oh yea! Next time, when you buy charity tickets, must be 100 percent sure that they are genuine, if not later hard-earned money goes to the wrong hands... In the end,the evildoers are the ones who are smiling, because they have just become 2 dollars richer....

At night, went out with friends at Tampines to had dinner. Orginally wanted to go gym but the idea was scrapped because one of my fren came in sandals. Lolx! Ok, it's getting late, shall end here for today.

Vivo nightmare

2006-11-17T09:35:00.000-08:00

Just come back from a trip to vivo city. Went there for a quick celebration for my 3 good frens who had just finished their A lvl. Spent our time walking around this massive place and did some catching up at coffee bean. We also went to the arcade to play some racing games. Of coz, my A lvl hasn't ended yet, so i wasn't very enthu and acting wild. Anyway, saw this great place nearby vivocity where couples can get to hang out. Romantic factor is certainly there..hehex. I still got bio paper 2 and 1 to go. Sickening.. but all will end next week. Today chem paper 1 is challenging but can do overall. Hope i can score.

Sister just came back from a CIP activity in thailand. Bought 3 clothings for me( 2 jerseys and 1 long sleeve shirt). Love them. She also bought 3 ps2 games, including the latest FFXII game for me. Yea! Glad that she knew my taste so well.

Going to Sinapore expo to mug bio tomolo. I guess life will be pretty much boring, at least for now.

2006-11-15T05:02:00.000-08:00

OMG, i wasted my day away. Went out do 1 chem mcq paper then went to play timecrisis 4 with a fren. After that rot at home by playing msn uno

wat a loser, don't u think?

The quiet night

2006-11-13T07:55:00.000-08:00

Going to sit for chem paper 2 in abt 8 hrs time. Hope i can do well for it. Staring into space now and feel really lost. My mind is boggling with all the last min chem stuff, hope i can retain the info until tomorrow....

GO! go! go!!!!!!!!!!!!!!!

Arsenal won!

2006-11-12T10:06:00.000-08:00

Since i am free now i would like to pen down a historic moment in which Arsenal beat liverpool 3-0 on sunday nite at Emirates stadium. Watched the entire match and was gratified by the outcome(arsenal won! haha!). Tried to read some bio throughtout but my mind is only thinking about live football.

Anyway, this match is especially crucial becoz both teams are lagging behind top contenders like Man U and Chelsea by approx.10 points, and so any loss to each team will widen the points gap, making it impossible for my favourite club arsenal to catch up. Liverpool was deadly in the 1st quarter of the game(they scored a goal but it was offside), but it gradually lost its charm over time, with much possession lost to Arsenal. Possesion of ball was 59% for arsenal and only 41% for liverpool. 1st blow to liverpool came at 41 min when arsenal midfielder flamini did a sliding shot from a low cross made by his teammate. During 2nd half of the game, arsenal defender toure rushed up all the way to the front to prove that a defender could score too.(2-0).Last goal was headed in by Gallas after receiving the ball from Van Persie in a corner kick. Gallas was virtually unmarked by liverpool.(3 0) This sparked a fierce quarrel between frustrated Gerrad and his confused liverpool teammates. Can't believe Gerrad lost his cool, and i think most of the blame should be put on him, since he was the guy closest to Gallas but he was doing nothing about it. Close to full-time, Aresenal midfielder Adebayo repeated his traitmark solo run( he did this and scored against Man U) to the goalpost but failed to score. Last thing worth mentioning is that referee's legs went cramped during the game and whistled to pause the game, drawing rousing laughter from the crowd.

Coach Wenger was rather contented throughout the game and cameras kept zooming on him ever since he lost his cool and went into a rage with west ham manager. Benitez, on the other hand, appeared witless and solemn, scribbling notes throughout as he watched his team liverpool crumpled under the might of Arsenal. Kind of feel sorry for him and at one time, he looked like he was crying...

Overall, it was a impressive clash between 2 EPL giants of all time!

2006-11-12T07:37:00.000-08:00

The A lvl would be over soon... but it is still not over yet, so i mustn't be too happi now.Mug a bit today and also think about the activities that i wanna do after the A's. Originally wanted to work at the upcoming pc show from 30th nov to 3rd decem because suddenly got lobang, but have to forsake the chance cause prom night is at 2nd of decem if i am not wrong...always cannot rem this kind of stuff. Still thinking about whether wan to fix my ps2 or not, cause it has gone haywire. Anyway, i cannot really do much after A's becoz my army enlistment date is on the 13th of jan...haha. It's quite early loi. Therefore, i am free till early jan bah. There are so much things to do, but so little time. want to play and slack, but also wan to have a headstart in life. Two things that contradict each other..sigh. Anyway, i figure that if my ps 2 cannot work, i will just play games on the com, dun wanna waste money to repair. Will also be training like mad in order to prepare for NS and to shed the extra kilos gained from the unhealthy lifestyle of mugging. Seriously stuffed myself with fastfood and snacks like crazy over these few mths...sigh. Then maybe go learn some stocks knowlege or wat. Oh ya, i borrowed two books on investments yesterday at the library because they looked interesting, but reading them might prove to be the opposite. Maybe can also try going to the nearby pasir ris Community Chest with a good fren to play chinese chess as he says quite a lot of ppl play chinese chess there at night. Maybe i will just rot at home by staring at the com screen and dota all day...might also go out to work with dad or learn cooking skills from mum..

The things i will do, onli time will tell.

Midst of A lvl

2006-11-11T09:12:00.000-08:00

In the midst of A lvl now, so didn't realli come here to blog frequently. The good thing is that it's halfway thru, just 2 more weeks and the darn A lvl would be over! Basically, i am quite worried for maths paper 1, kind of screwed up the damn paper. As for maths paper 2, chem paper 3 and bio paper 2, i guess they were pretty much ok.... hopefully. Anyway, i still have chem paper 1 and 2 next week. After chem, it will be bio paper 1 and 3. As usual, went to mug today at the airport with my sec sch frens. Not realli productive and i felt quite slack, maybe becoz the heavy papers were mostly gone, or becoz of the fact that the A lvl would be over soon. Found myself unable to concentrate today. I noe that i would be screwed if i continue like this, so i better wake up my idea. Sianz...

2006-09-11T10:26:00.000-07:00

zzz..haven't been bloggin lately. Realli busi, prelims are just around the corner. In fact i am going to sit for my biopaper 2 in about....5 hrs time. Better go sleep now, so boring......

sicko..

2006-08-16T06:34:00.000-07:00

With 79 days to A lvl and 28 days to prelims, the last thing a student would want is to fall sick and be deemed unfit. Unfortunately, i really did went sick today and could only blame it on dumb luck. Tried to substain throughout the day but the illness became too much for me to bear until i had to forsake the last maths lecture of the day. Haiz. Oh ya, many people commented on my lips today, including the clerk in the GO and my friends, who insisted that i put lipsticks because my lips turned out to be so red. When i said i didn't and explained that it was heatiness in my body that caused it, they found it much scintillating. O_O! So at 2 min to the last maths lecture of the day( yea! i lasted that long!), i couldn't take it anymore and dragged my heavy body home, where i slept like mad until now. I do feel much better now, because i took the advice of others by gulping down large amount of water to flush out the toxins from my body. But still, the dryness in my throat remains, my lips are still red and my body feels hot and cold every now and then, which i think is so ridiculus.

Mum came home at 4 and upon seeing my state, was worried for me. She didn't scold me for not taking care of my body, which she did 99.9 percent of the time. I was surprised that the 1st thing she said was that i went sick because i worked too much, and didn't get enough sleep. These words proved to be so heart warming because she finally knew that i was serious in my academic work, and was determined to work hard to achieve good results.

My body is aching again, i think i better go and sleep now.

Another chinese song that i love like mad

2006-08-15T09:51:00.000-07:00

歌曲：爱我到今生
歌手：邝美云专辑：我和春天有个约会

--------
爱我到今生
不要问来生只要两颗心那么真
(不问一生有多少时间)
(一瞬间)
也等於到永远
--

才说了再见电话又响起
那一定是你
想要说的话还意犹未尽.
甜蜜的感觉还在我心里
像一个圈圈我喜欢听你说的每一句
我想你爱你不关窗不点灯与你相伴一整夜
让你的每个吻都能够向我的心飞奔喔～

爱我到今生
不要问来生
只要两个人有缘份
谁也不必在意谁爱的比较深
只要彼此的情真

爱我到今生
不要问来生
只要两颗心那么真
不问一生有多少时间一瞬间
也等於到永远

Crazy day~

2006-08-04T07:10:00.000-07:00

Today was crazy! Because my frens and i got to play soccer during school! It was all fun and exciting, but the one thing that spoilt it was the fact that the ball got kicked over the fence and we spent 15 min trying to retrieve it. You see, we were playing street soccer in an enclosed area. When the ball flew over the fence, we couldn't retrieve it because it landed on the roof of a small building. This instilled a fear so great in us that we die die also have to retrieve it, or else the school PE teachers would screw us up big time! We tried all desperate measures in order to retrieve the ball, even to the point of risking our life for it. I knew it was dangerous, but something in my mind just prompted me to do it. First, I had to step on a railing which was overlooking the ground at a incredible height in order to get to the second roof. I knew i would be gravely injured if i tumbled. Fortunately, i made it to the 2nd roof but the challenge came because the ball was located at a roof that was much higher. It was just a bloody tall wall before me and although i could jump to reach and grabbed the edge of the 1st roof, i couldn't force myself up there in my 1st attempt. So had to call people to bring chairs to me so as to give me some height. At last,i managed to retrieve the ball and we resumed playing. It was a dangerous and difficult attempt, but we did it. Although i had some bruises on my knees and forearms, i think it was worth it.

Later, i stayed in school to study with 2 frens in a classroom from evening till night time. Was the last person to leave school, which somehow created a feeling of pride in me. Come on, how often do u get a chance to be the last person to leave right? So it is like quite cool.