Sometime I feel much fed up when talking to my son.
He is 9 years old. Occasionally, we have discussion on how to overcome his shortcomings. As a father, I always try my best to influence him through proper reasoning. However, whenever suggestions are given, he always question me back by using words like “but” and “if”.
I welcome all positive questions from my kids as I believe this is an important process to learn. However, they may not realize that, if they use the word “but” and “if”, they are actually giving themselves excuses not to move on. This is a kind of negative psychological thinking. Words are really powerful that will have direct influence to your mind and your mind will send those signals to your body to act accordingly. You will not take action if you mind perceive signal negatively. That is why I restrict him for using these conjunctions when asking question or giving reply.
Similarly, for us, we need positive thinking to make us to move on. Any negative thinking will slow or even stop you and you will be the big loser by the end of the day. Start to think positively. Twist the question around whenever negative thought arise. For example, instead of let your mind tell you that you can’t make it, ask yourself back on how are you going to make it.
What is the meaning of insurance to you? To me, it is something that protects me against any unforeseeable risk of life, illness or accident. That is all.
One day, I checked my life policies status through the insurance company’s online portal. At the end of the policy checking page, the portal shows the details of my servicing agent. I surprised to see that this column shows my policies are under company direct. First thing came to my mind was that it must be a mistake.
I pick up this book, "The Millionaire Next Door"
, to re-read after my first read 9 years ago. The reason for me to re-read is to recap the ideas and findings about millionaire highlighted in this book.
Sometime I feel much fed up when talking to my son.
This book
does not share anything on how to make money. However, it teaches us how to attract wealth in all aspects, both monetary and non-monetary, in our life. The author, James Arthur Ray, emphasizes heavily on action to achieve wealth in 5 pillars of life. The 5 pillars are financial, relational, mental, physical and spiritual. He believes universe will give you what you want if you:
will do the rest. 
Yesterday, I went to my bank (a local bank) to update my savings passbook. When I checked the transaction of my passbook in detail, I realized that there was no half-yearly interest debited into my account as of 31st December 2009. I therefore proceed to the cashier counter for the answer. Unfortunately, the teller could not tell me the reason and requested me to leave my number so that they could call me after their investigation.
For employees, it is a must to have EPF contribution. That is, 11% from employee (direct deduct from your monthly basic salary) and 12% from employer (12% on top of your monthly basic salary). I would like to put it as an important fund to support our retirement years.
