Monday, February 12, 2018

您犯了同样的错误吗?

栽自新洲日报投资广场(12/2/2018)第09页
近来的股市真的是如坐过山车。2018年初始,马来西亚综合指数节节上升。但过去两周的美国股市动荡却也连累了马来西亚股市。我不晓得有多少人适可而止,又有多少人又再一回烧到了手。今天看了“股神也会失手”这篇分享,觉得应该共勉之。

Monday, January 1, 2018

2018年1月1日,新年快乐!2018年、楽しいお正月を過ごす!

今天又是新的一年的开始。在柔佛州,今日不是公定假日。上班族如常上班。而今日的我心情非常的不一样。除了因为新的一年的开始而感到兴奋,更因为今日能完成我拖延以久的计划而觉得雀跃。

犹记得在2012年下半年时,在工作上感到心力交悴。当时的原因是因为上司的无理取闹,鸡蛋里挑骨头。在仔细研究自身的财务状况后,毅然准备了辞职信求去。但在递交前,却听说将有“大风吹”。我于是静观其变。值得庆幸的是我被转调去其他部门当主管。虽然要掌管两个部门,但工作量却大大减低。何乐而不为。

就这样直到2014年初,部门董事突然对我说要多加一个部门给我管,原因是当时这部门的主管无法达到公司的管理要求。最为可笑的是我对这部门的运作也不很了解。我反问为何选我。他说他非常肯定我会比该主管更好的管理这部门。这部门就是运输部。我就职的公司是一间跨国企业,它的运输部有多大是无法想象的。单单员工管理就让人头疼了。最让我心里不平衡的是竟然一分钱都没加给我。我当时虽然不愿意,但却希望借此机会增加我的知识。

Happy New Year

Today is the beginning of 2018. In Johor, today is not a public holiday. People go to work as usual. However, my feeling is very different. Beside being excited by the beginning of the new year, I am glad that I could accomplish my long-term plan today.

In the second half of 2012, I felt fed-up at work. The reason was because the boss's vexatious. After careful study of my financial status, I decided to resign. Before tendering, I heard that there would be a huge reshuffle. So I waited. Fortunately, I was transferred to other departments. Although I had to take care of two departments, the workload was greatly reduced.

Everything went fine until the beginning of 2014.  The department director suddenly told me that I had to take care one more department because the then head was unable to meet the company's performance requirements. The most ridiculous thing is that I did not know much about the operation of this department. I asked why I was chosen. He said he was very sure that I would perform better than the then head. This department is the Logistics Department. My company is a multinational company and you had no idea how big Logistics Department was. Staff management alone is already a big headache. The worst part was that there was not even a penny added to me. Even though I was reluctant, I thought positively by taking this opportunity to learn more.

Wednesday, December 6, 2017

你拥有你要的人生吗?Are You Having the Life You Want?

栽自新洲日报活力副刊2017年11月29日第A10页

人活着的意义是什么?难道就只是天天为了生活而忙忙碌碌?可悲的是这真的是大部分人的生活写照。

Friday, November 24, 2017

The Real Meaning of Early Retirement / Freedom

When talk about early retirement, I come across many books and internet articles on how to achieve this financially.  As a matter of fact, finance is only part of the equation.

Here, I would like to share what is the real meaning of early retirement (at least to me):

1: Am I wanting to have early retirement and why?
A: YES, YES, YES.  I have been planning for this for years and I finally achieved this at the age of 40 financially.  Why?  This is because I would like to have more time to do what I like to do which I can't do so when my time is sold for living.  When I was an full-time employee, at least 8 hours of my day are sold.  Therefore, beside full-time job, I did not have sufficient time for myself as I would be occupied by other tasks in my life (sending/picking up kids to/from schools and/or tuition classes, settling bills and other family matters etc) while I still need at least 6-hour resting time every night.  My life was busy but created no value as I could not enjoy it at all.  Routine tasks had been making me felt so dull.  I could only enjoy my life if I become the master of my time.  That is the motive of me for early retirement.

Friday, November 17, 2017

Miracle of Stable Investment Return

A number of my readers and students are asking for stock investment tip.  Why they do so?  Simply because they are expecting to earn big within short period of time without doing much work.  Accept the fact that there is no free lunch in this work.  What you get is totally depending on what you have input.  You give peanuts, you'll get monkeys.

When we were kids, our parents might keep telling us that we should study hard IN ORDER TO HAVE BETTER LIFE IN THE FUTURE.  In other words, we have been taught on input and output.  The same is applicable to stock investment and there is no shortcut.

Wednesday, November 8, 2017

你50岁还要烦钱吗?Are you still struggling for money at the age of 50?

栽自新洲日报投资致富2017年11月6日第27页
看了这个报章标题,有些感触。就在几天前,我去了间银行去存放定存。因为我要得到更好的利率,我便向大厅的一位Officer询问。谈好后,该名Officer没让我拿号码排队,而是直接将我的资料及批准的利率交到收银员那儿处理。看来这位Officer的来头不小。在等待定存收据时,我便和她聊了起来。当她问我在哪儿高就时,我说我是自由工作者(Freelancer)。(其实我目前我还是全职工作者。那为什么我会说我是自由工作者呢?那是因为在不久的将来,我将会是我自己的主人。现在是时候让自己习惯这样说了,好让心里有个准备。)那位Officer好不羡慕。她说她也希望能像我一样。后来我才知道那位Officer是原来是该银行分行的经理。

Monday, October 9, 2017

该如何分配:退休基金?孩子教育费?医药费?

栽自2017年10月9日新洲日报-投资致富第32页
很多财务规划师都一而再,再而三的劝大家尽早为孩子的教育费规划。但在很多情况下,人算不如天算。就拿我本身为例。在25年前,我父母因我们三兄弟都想前往澳洲攻读大学课程。老爸老妈没多说一句,拼了命让三个孩子拥有了澳洲大学的学士文凭。至到今日,我们还是对他们为我们的付出感激不尽。