Has Outbreak of COVID-19 Affected Your Life?

It is rather sad to see the outbreak of COVID-19 around the world. Malaysian Government has imposed Movement Control Order (MCO) to curb the spread of COVID-19. Initially, the implementation of MCO was between 18/Mar/2020 and 31/Mar/2020. Within this 2-week period, we are advised to stay at home except purchase of daily necessities. Even so, purchasers are advise to keep their purchase period short and return home as soon as possible. Only shops that are selling daily necessities are allowed to operate while the others must be closed during MCO period. Malaysian Government later announces extension of MCO to 14/April/2020. First few days of MCO, many feel bored at home. I become puzzle how could this happens. Aren't these people having their hobbies? Since they have more time for themselves now, isn't it true that it is a good time to do what you like?

Health or Wealth, Which One Would You Choose?

Money is important. Without money, we can't even meet our basic needs nowadays. That is why we all work for money in order to survive. We work so hard that we fully utilize almost every awake minute to earn. So hard until we have no idea that we have gradually deteriorated our health. Here comes a question, is it worthy to forego health for wealth?

开工大吉

今天是己亥年正月初三。大家还沉醉在农历新年的快乐假期中，而我是这么多年来我第一次这么早“开工”。这也是我这近23.5年的打工生涯中的最后一次“开工”。

戊戌狗年的最后一天

今天，2019年2月4日，是除夕日，戊戌狗年的最后一天，也是立春。这一天对我而言与往年不一样。我今天还是和以前一样开车去上班。好久没在除夕上班了。一路上只看到三三两两的车辆行驶。好久没这种开车一路通的美好感觉了。平时的30分钟车程缩短为15分钟。这种快感难以形容。

今年我将会在年初三开工而年初七将是我在这间我服务了超过21年的公司的最后一天。由于想尽快离开，所以今年我并没有拿新年假期。老实说，太太和家人都有些怨言。他们说难道不能先拿假，再推迟两三天才离开吗？我直接回答我不要。当对这公司的一切感到失望后，根本一点眷念都没有。我不怪我太太和家人，因为他们并不了解我的立场。我跟他们说2月11日后，我有的就是陪他们的时间而这恰恰就是许多人办不到的。

现在我已开始调适自己的步伐，尝试放慢脚步，培养从容的心境来接受即将到来的一切。我不再需要出卖我的时间换取金钱，不必牺牲自己的尊严来得到虚荣。根根本本，实实际际的做自己，过快乐的生活。还有就是去做自己一直想做的事，尤其是看看这美丽的世界。

时钟滴答滴答的倒数着，我已准备好面对一个全新的生活，人生的另一个阶段。在己亥年即将到来的这一刻，在此祝愿大家心想事成，万事如意。

My Route to Financial Freedom

One of my university majors was Finance. The reason for me on choosing this was that I like to explore all the possibilities and probabilities. I like figures and get around with them but I hate Accounts. I don't mean Accounting figures are meaningless but, to me, the process of doing this is rather boring. One good thing on Finance is that I could justify the figures by adding in assumptions with is not allowed in Accounts. In short, Finance allows me to carry out some assumptions to justify my analysis.

一年又这样的过了：我的2018年财务回顾

2019年，新年快乐！

兜兜转转又一年了。回想一年前，在收回辞呈后，一年就这样过了。老实说，老问题还是没解决的同时，工作量却倍增。一向注重健康的我，身体已给我一些预警。再不好好的调适，唯恐后果不堪设想。到时后悔也来不及。在还没促成大错前，我务必要好好思考下来的路该怎么走。对我而言，健康是最大的财富。不管我多有钱，都买不回失去的健康。还有一个让我无法释怀的是，我还没50，已是满头灰发。由此可见，我的工作压力有多大。

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。

你“要”的是什么?

一天中午，我和一位好友同事用餐时，聊起下属管理的话题。原因是他有一位经理下属，非常自我到目中无人的地步。她以自我为中心的态度已让许多人不敢恭维，甚至连公司高层都睁一只眼闭一只眼。无可否认的是我们的高层无视员工的心理而让事件自然平息。其实他们没看到的是平息的背后是在累积着大量的不平衡。不好好地处理这不平衡将会带来不可预知的后果。钻不出牛角尖的就会耿耿于怀，又或是与之为敌。恶性循环将持续下去直到崩坏。

适时割舍也是一种获得

我们常听人劝说不要轻言放弃，要尽力争取。

是的，我们做任何事都必须全力以赴，力求做得更好。正所谓“人生不如意事十之八九”，并不是每一件事都能在我们预想中的一样呈现出来。很多时候，许多事情都是事与愿违。

Plus Or Minus

Have you ever think of this?  What is the purpose for you to be so busy, day in and day out?  For your dream home?  For your dream car?  For your career advancement?  Or for your children's education?  I believe most of your purposes need money.  The more money the better.  And that is why you always think of money not enough.  Is it really so or are you "too much focusing and magnifying"?

Wellbeing (Part 5)

First of all, my sincere apologies to all my fellow readers as it has been quite sometime I did not have time on updating my blog.  I have been busy recently as I have to travel overseas quite often.  However, I never give up my way of sharing with everyone of you.  And, of course, I would like to express my sincere thanks to my fellow readers.

In this new post, I would like to share the final part of Wellbeing, i.e. Community Wellbeing.  Community can be defined as a social, religious, occupational, or other group sharing common characteristics or interests.  To be more precise, Community Wellbeing is living in an area that is a good fit for your personality, family, interests and other pursuits.

At the highest end of the Community Wellbeing is giving back to society, just like giving a meaningful gift to a love one.  However, have you ever think about our time is the most valuable gift at all time.  Just imagine, after a day of hard work, what will you do after returning home?  Will give be able to give some time to your family or get around with your friends with similar interest or just go back and sleep and wake up again on the next day for the same cycle?  In which way do you feel more happy and meaningful?

After having the previous four Wellbeing with a mind of caring and sharing will make our life more complete than ever.  Think about it.

Wellbeing (Part 4)

Have you ever think about whether you have selected something that will provide net positive to your health or something that is net negative?

Wellbeing (Part 3)

Have you ever worry about money?  Have you ever think about the purpose of money?  Will you really happy if you got a lot of money with you?

Money is essential in terms of providing us essential needs like food, basic shielder, basic transport and basic clothes that keep us warm.  In order to overcome the threat of illness, health care can be another basic need to us nowadays as well.  Beside these, can money buy any WELLBEING to us?

Wellbeing (Part 2)

Have you ever realized that somebody able to shape your expectation, desires and goals?  What do you feel if you see a friend who is happy and keep smiling?  Will you feel better or worse?  Similarly, after a day's work, what sort of moods you are presenting to your spouse and/or children?  They will be affected by your good or bad mood, definitely.

Wellbeing (Part 1)

What is the meaning of WELLBEING to you?  According to Oxford Dictionaries Online, WELLBEING is defined as "the state of being comfortable, healthy, or happy".  In other words, to achieve WELLBEING of our life, it is not restricted in only one or two areas.  For example, say you have multimillion dollars in your bank account but hard work has resulted in your bad health.  In this case, your WELLBEING is in question as what you have earn is being "contributed" to your doctor but not your life fulfillment.

How Do You Feel Today?

I watched this video through You Tube and it makes me feel life can't be better than what you are now.  Appreciate what you have and you are creating value for yourself.  Nobody is useless.  No excuse to be valueless.  Trust yourself and be yourself.

Happy always.

A Bee Or A Fly

One day, a man laid the bottom part of an opened glass bottle in front of a window. He carefully put a bee into the bottle and started his observation. The bee kept hitting the bottom part inside the bottle where it could see the light. After a while, it gave up and rest in the bottle.

A Story to Live By

Following is a story I received which I would like to share with my readers – to appreciate what we have:

There was a blind girl who hated herself because she was blind. She hated everyone, except her loving boyfriend. He was always there for her. She told her boyfriend, 'If I could only see the world, I will marry you.'

One day, someone donated a pair of eyes to her. When the bandages came off, she was able to see everything, including her boyfriend.

He asked her, 'Now that you can see the world, will you marry me?' The girl looked at her boyfriend and saw that he was blind. The sight of his closed eyelids shocked her. She hadn't expected that. The thought of looking at them the rest of her life led her to refuse to marry him.

Her boyfriend left in tears and days later wrote a note to her saying: 'Take good care of your eyes, my dear, for before they were yours, they were mine.'

This is how the human brain often works when our status changes. Only a very few remember what life was like before, and who was always by their side in the most painful situations.

Life Is a Gift

Today before you say an unkind word - Think of someone who can't speak.

Before you complain about the taste of your food - Think of someone who has nothing to eat.

Before you complain about your husband or wife - Think of someone who's crying out to GOD for a companion.

Today before you complain about life - Think of someone who died too early on this earth.

Before you complain about your children - Think of someone who desires children but they're barren.

Before you argue about your dirty house someone didn't clean or sweep - Think of the people who are living in the streets.

Before whining about the distance you drive Think of someone who walks the same distance with their feet.

And when you are tired and complain about your job - Think of the unemployed, the disabled, and those who wish they had your job.

But before you think of pointing the finger or condemning another - Remember that not one of us is without sin.

And when depressing thoughts seem to get you down - Put a smile on your face and think: you're alive and still around.

The Strength of Mindset

You are what you think you are.  You can't be rich if you think that it will never happen to you.

You may have no idea what and how to be succesful in life now.  However, believe me, correct mindset will generate action plan through continuous learning and various source of life experience.

Here is meaningful story about mindset:

Step by Step

What are your dreams (financial targets)?  Are you aiming for early retirement, starting you own business or having enough fund for children's education?  No matter what dreams you have in mind, you need to plan in order to achieve these dreams within stipulated period.  The amount required for each of your dream may be huge that may made you feel very difficult, or impossible, to achieve.  Is it really true that you really can’t achieve them?  If you think you can’t, you really can’t.