People always dreams of being rich. All they want is getting more and more money. So, they invest their money to roll or gain even more money. However, lazy people just follow others blindly in investment. In the end, they might took the long way or the hard way to earn their money through investing. Some even worse, instead of getting the rolling snow ball effect, they are rolling the mud ball; the further/faster it roll, the smaller/lesser it become.
The very principal rule of investment in money is you need modal. You definitely need money to transform into "moneys". There are tons ways to get the modal for your investments. However, without the proper knowledge and correct way of investment; you'll lose your modal easily in the end. Therefore, you need to invest time before you invest money. You need time to gather your modal. Additionally, you need time to study and learn the correct footsteps in investment. You need to fit yourself with proper investing knowledge and skills before you enter to the investor world.
Investing in time is still not enough. The key of success in the end still lies in individual. You have the modal, you have the knowledge and skills of investment, so what. If you do not have a correct mind set, you'll still lose in the fight. Investment is like a war. Soldiers are skillful in dodging and fighting techniques equip with the best armors and weapons will lost in the war if they do not possesses sharp mind, brave heart, endurance body, and righteous spirit. Same goes for investment, we must always train and furnish ourselves in good physically, mentally and spiritually condition if we want to survive and outshine in the investment environment.
I'm not a highly intelligent person, I'm not very successful man at my age and I don't even own a small business of my own. I did not study alot of books compare with others, I did not have a doctorate certificate level and my brain was not born with a 180 point of IQ. Yet, what I've been studying and learning so far has taught me a very basic principal of life. If you want to success in your life, you have to sacrifice your time on it; before you plan to spend the time, you have to start with changing yourself. Therefore "invest money, invest time, invest yourself" has become the motto for my life right now.
Jan 27, 2008
Jan 24, 2008
How to get attention when submitting resume
There are some tips I would like to share with you all regarding on applying new jobs. It's depend on how, what you send your resume. However, "how" and "what" is very clear cut what I'm trying to stress more in "When" you should send in your resume to get more attention.
1. "How"?
- Basically through e-mail is the most convenient yet effective ways. What you need is an attachment of complete resume of yourself along with the e-mail. Letter are hardly in use anymore.
- Call in directly? Though it's make a deep impression to people. Still, don't waste your time and money. I'll still prefer you all to use e-mail.
NOTE: Many people use this way, but how am I going to attract the HR admin attentions?
2. Then we talk about "What" to include in your resume
- First and foremost, put your handsome/pretty passport size photo of yourself which you think you are in the best look on the top of the 1st page in your resume. (Colourful photo will be more attractive compare to black & white photo)
- Mind what you put in your resume. Don't submit a lengthy resume. A 10 pages full resume doesn't impress people. You only cause the reader in bewilderness which become trouble for yourself. 4 pages would be sufficient to cover all about yourself.
- Just learn how to sell yourself like selling an item to customer but make it short and brief.
NOTE: Many people practive in this way. So it's common nothing special in the eyes of HR admin!
3. The key, "When"? But before telling you, I just write a short story about myself.
When I reach the company 7 early 8 early in every morning, I feel very very fresh and energetic instead of slugish. After lunch, when I come back to my work place, I'm growing tired and sleepy. Afternoon nap is the most desired things to do in my life, but I can't because of work, Work, WORK!!! 1-2 hours before going back home, everything I read in e-mail, postpone till tomorrow morning only I'll proceed with it (Siao meh, do now. Wanna go back earlier la). My concentration already divert to home at 4pm :P. I think you all also faced the something like me from Monday till Friday. So does the HR admin people who read e-mails everyday, because all of us are just normal human being ma.
- Send your resume at 7-8 in the morning is the best!!! Your e-mail definitely shows on the top of the receiving mail list! (the latest mail will queue on top of the list, aren't yours list like that?)
You'll definitely caught the HR 1st attention and good impression, since he/she is still "SOBER".
I hope this small little tips can help you all in the future job application!
1. "How"?
- Basically through e-mail is the most convenient yet effective ways. What you need is an attachment of complete resume of yourself along with the e-mail. Letter are hardly in use anymore.
- Call in directly? Though it's make a deep impression to people. Still, don't waste your time and money. I'll still prefer you all to use e-mail.
NOTE: Many people use this way, but how am I going to attract the HR admin attentions?
2. Then we talk about "What" to include in your resume
- First and foremost, put your handsome/pretty passport size photo of yourself which you think you are in the best look on the top of the 1st page in your resume. (Colourful photo will be more attractive compare to black & white photo)
- Mind what you put in your resume. Don't submit a lengthy resume. A 10 pages full resume doesn't impress people. You only cause the reader in bewilderness which become trouble for yourself. 4 pages would be sufficient to cover all about yourself.
- Just learn how to sell yourself like selling an item to customer but make it short and brief.
NOTE: Many people practive in this way. So it's common nothing special in the eyes of HR admin!
3. The key, "When"? But before telling you, I just write a short story about myself.
When I reach the company 7 early 8 early in every morning, I feel very very fresh and energetic instead of slugish. After lunch, when I come back to my work place, I'm growing tired and sleepy. Afternoon nap is the most desired things to do in my life, but I can't because of work, Work, WORK!!! 1-2 hours before going back home, everything I read in e-mail, postpone till tomorrow morning only I'll proceed with it (Siao meh, do now. Wanna go back earlier la). My concentration already divert to home at 4pm :P. I think you all also faced the something like me from Monday till Friday. So does the HR admin people who read e-mails everyday, because all of us are just normal human being ma.
- Send your resume at 7-8 in the morning is the best!!! Your e-mail definitely shows on the top of the receiving mail list! (the latest mail will queue on top of the list, aren't yours list like that?)
You'll definitely caught the HR 1st attention and good impression, since he/she is still "SOBER".
I hope this small little tips can help you all in the future job application!
A name for my new upcoming forum
Recently I just open a forum, and yet I close the forum hours ago. The main reason I create that forum is to share experiences, ideas, concepts in investment among friends so that friend can "huat tat" together. Good things must share ma haha, and I'm definitely will share with my friends and even other so that there'll be no poor in the world (Great dreams but myself is still very poor. HOW COME!).
From these few days, alot of feedback and comments I got. The topics are to narrow and yet boresome to some of my friend. Then I add other topic so that can suit everyone appetite (And I really really wish that everyone likes it and the website can become a medium to warm our friendship forever). In the end, I plan to create a new look, new face to suit everyone, that's why I want to close the old 1.
The other reason is that, the website wasn't very stable, especially the forum. Many cannot view the forum. The forum page load incomplete. So, instead of waiting, I just close it today and wait others to propose a new name for the site.
Any suggestion please comment here. Everyone are welcome.
From these few days, alot of feedback and comments I got. The topics are to narrow and yet boresome to some of my friend. Then I add other topic so that can suit everyone appetite (And I really really wish that everyone likes it and the website can become a medium to warm our friendship forever). In the end, I plan to create a new look, new face to suit everyone, that's why I want to close the old 1.
The other reason is that, the website wasn't very stable, especially the forum. Many cannot view the forum. The forum page load incomplete. So, instead of waiting, I just close it today and wait others to propose a new name for the site.
Any suggestion please comment here. Everyone are welcome.
Jan 20, 2008
Train your right brain!
Recently, I've just finish reading the "The Whole New Mind" by Daniel H.Pink. This book described that people are now entering from the "Information age" to a new era which is name as the "Conceptual age".
The fast emerging of the conceptual age are due to 3As; the Abundance, Asia and Automation. Leading nations and big multinational coperate are now diverge their attentions to "right-brained thinker". The "left-brainers" are replaced by the 3 key factors and no longer in the ruling. As our understand, the left brain control our logical and sequential thinking (IQ) while the right brain rules our creativities and emotional thinking (EQ). For the past centuries, the educations have successfully trained alot of "left-brainers" but not the "right-brainers". In the past, people with high IQ are always have a good seat in the society. Only recent years, scientists found EQ which is more important then IQ are what the society is lacking of. Besides EQ, creativity, abstractness and artistically are the keys to the next civilization which is all control under our right brain.
In order to develop our right brain, the author mention 6 different steps we can pratice in our daily living. He named them as the "six senses". In brief, they are:
1. Design - to sketch pictures or drawings.
2. Story - to write sagas or short events.
3. Symphony - to listen on music or look on patterns.
4. Empathy - to be able to understand and indentify others feeling and thinking.
5. Play - to enjoy yourself through laughing or playing games (including the PC games is also healthy for building your right brain :D).
6. Meaning - to find the meaning of your own life.
Tons of books and websites are recommended by the Daniel. All of them are good in training your right brain. One of them is the "Emotional Intelligence" by Daniel Goleman, which is a coincident that I borrow from my friend, Yeow Chuan and I've been carrying the books for half year as I still haven't finished reading it. Hahaha... Sorry buddy, I'll finish the book ASAP and return to you ASAP.
Now your shoud left your left brain, and start developing your right brain right now!
The fast emerging of the conceptual age are due to 3As; the Abundance, Asia and Automation. Leading nations and big multinational coperate are now diverge their attentions to "right-brained thinker". The "left-brainers" are replaced by the 3 key factors and no longer in the ruling. As our understand, the left brain control our logical and sequential thinking (IQ) while the right brain rules our creativities and emotional thinking (EQ). For the past centuries, the educations have successfully trained alot of "left-brainers" but not the "right-brainers". In the past, people with high IQ are always have a good seat in the society. Only recent years, scientists found EQ which is more important then IQ are what the society is lacking of. Besides EQ, creativity, abstractness and artistically are the keys to the next civilization which is all control under our right brain.
In order to develop our right brain, the author mention 6 different steps we can pratice in our daily living. He named them as the "six senses". In brief, they are:
1. Design - to sketch pictures or drawings.
2. Story - to write sagas or short events.
3. Symphony - to listen on music or look on patterns.
4. Empathy - to be able to understand and indentify others feeling and thinking.
5. Play - to enjoy yourself through laughing or playing games (including the PC games is also healthy for building your right brain :D).
6. Meaning - to find the meaning of your own life.
Tons of books and websites are recommended by the Daniel. All of them are good in training your right brain. One of them is the "Emotional Intelligence" by Daniel Goleman, which is a coincident that I borrow from my friend, Yeow Chuan and I've been carrying the books for half year as I still haven't finished reading it. Hahaha... Sorry buddy, I'll finish the book ASAP and return to you ASAP.
Now your shoud left your left brain, and start developing your right brain right now!
Jan 12, 2008
Lost...
Have you ever felt lost in doing everything? Have you ever felt lost in achieving your goal or target? Have you ever felt lost in your life? I do.
Sometimes we tend to lost our way, our direction and our motivation. During studies, at least we have goals. We need to graduate with good results to get a better job. In order to achieve that, our goals is to study hard and study smart. After graduate, after getting a job, after started for work for a few months, I almost lost myself. The goals set by company are not my goals. I just follow order to achieve other people bull eyes. We are merely the darts of the employer. We go wherever they want us to.
Everyone of us have dreams when we are young. Most of us dream of living a peaceful, healthy and wealthy life. However, how many of us would achieve that? People tend to stop dreaming after they face the cruel reality when they start expose to the society. They gave up their hope on these and just wish to have a simple and normal life. The very simple simple reason they lost their hope, their way and their goals is determination.
All of us have a very planning skill. We planned our way of life when we are young. However, what you planned might not be what you get. If you plan to do this and get that, normally the outcome is you get what you do not want. Then, the heart of determination will start stumble and finally lose against the cruel world. When we are young, we are taught to get up ourselves when we fall. When we grew older, our fall is becoming harder and harder. Many of us fall and never want to get up again. I fall many times. I tried to get up myself. The journey to regain myself is even harsher then the way we fall.
Every time I fall, I tried to get up myself. I try not to lost my way. I try to maintain my determination strong all by myself. The best way to keep my determination strong is through family and friendship support and guidance. I just hope that I am not alone, else I might lost myself.
Sometimes we tend to lost our way, our direction and our motivation. During studies, at least we have goals. We need to graduate with good results to get a better job. In order to achieve that, our goals is to study hard and study smart. After graduate, after getting a job, after started for work for a few months, I almost lost myself. The goals set by company are not my goals. I just follow order to achieve other people bull eyes. We are merely the darts of the employer. We go wherever they want us to.
Everyone of us have dreams when we are young. Most of us dream of living a peaceful, healthy and wealthy life. However, how many of us would achieve that? People tend to stop dreaming after they face the cruel reality when they start expose to the society. They gave up their hope on these and just wish to have a simple and normal life. The very simple simple reason they lost their hope, their way and their goals is determination.
All of us have a very planning skill. We planned our way of life when we are young. However, what you planned might not be what you get. If you plan to do this and get that, normally the outcome is you get what you do not want. Then, the heart of determination will start stumble and finally lose against the cruel world. When we are young, we are taught to get up ourselves when we fall. When we grew older, our fall is becoming harder and harder. Many of us fall and never want to get up again. I fall many times. I tried to get up myself. The journey to regain myself is even harsher then the way we fall.
Every time I fall, I tried to get up myself. I try not to lost my way. I try to maintain my determination strong all by myself. The best way to keep my determination strong is through family and friendship support and guidance. I just hope that I am not alone, else I might lost myself.
Jan 9, 2008
Investment worth trying
Due to current education methodology, schools and colleges start to stress on entrepreneurship and cyberpreneurship. Students now a days are starting to do their own investment. Peers now a days tend to follow or influence among each other to do investment.
The investment youngsters like me can be classified to many categories. I classified them to basic 3 categories: class A, B and C.
For class A, you basically need a lot of money in order to invest. They are the real estate and Forex. You need a few thousands of dollar to start the investment. This is difficult for freshies like us. Where can we get those money from? Unless we have a very wealthy back ground, or we can think of robbing the bank or goldsmith (kidding!!!).
For class B, you a few hundred to thousand to start you simple investment. For example share market, stock trading or even mutual fund or unit trust. You need to put in some money for a period of time with risks tagging along in order to gain or lose (not much for unit trust/mutual fund).
For class C, you need only a little or no money to start your investment. So far what I know is network marketing and blogging. Network marketing is not surprising. It do have a good income if you really put effort in it. What you need is just time. You might be asking how come blogging can earn money?
By putting advertisement into you blog. Further more, its totally free. Not even cost you a cent. What you really need is put in a little afford and spare a little of your free time. You'll find it interesting and amazing once your start blogging and earn income through blogging.
The investment youngsters like me can be classified to many categories. I classified them to basic 3 categories: class A, B and C.
For class A, you basically need a lot of money in order to invest. They are the real estate and Forex. You need a few thousands of dollar to start the investment. This is difficult for freshies like us. Where can we get those money from? Unless we have a very wealthy back ground, or we can think of robbing the bank or goldsmith (kidding!!!).
For class B, you a few hundred to thousand to start you simple investment. For example share market, stock trading or even mutual fund or unit trust. You need to put in some money for a period of time with risks tagging along in order to gain or lose (not much for unit trust/mutual fund).
For class C, you need only a little or no money to start your investment. So far what I know is network marketing and blogging. Network marketing is not surprising. It do have a good income if you really put effort in it. What you need is just time. You might be asking how come blogging can earn money?
By putting advertisement into you blog. Further more, its totally free. Not even cost you a cent. What you really need is put in a little afford and spare a little of your free time. You'll find it interesting and amazing once your start blogging and earn income through blogging.
Jan 3, 2008
Invests? Pay debts?
It's been half a year I graduated from University. Same goes for most of my friends. Most had been working over months. During this information era, especially all "bachelors" are highly educated. We are not only educated on how to be a good employee, yet we are also well educated as an entrepenuer or investor too.
Investment is definitely a good idea, infact a good choice if we do not debts while we are young. Sadly, most of us borrow money from our government in order to further untill tertiary. The sum we borrow is huge. Some even borrow the money enough to buy a car. If you happen to get a car, you are considered as paying 2 cars installments... Which is a heavy amount of money.
Although most of them choose to pay the loan with lesser amount of money (we are able to choose how much we want to pay) and try to save or even put the money into other investment plan such as fixed deposit, mutual fund or unit trust. (actually big portion of the people salary are enough for saving even though need to pay car and loan installments. Good news as all of my dear friends are not underpay and threaten unwell.
Ok, back to the topic. Like what i said, most of my friend choose to invest their money instead of paying back the loan. Their investment basically are putting the money into unit trust or fixed deposite. Some invest in share market or forex. Right now, none are capable of investing in real estate. Some even plan to save alot of money get the interest from the bank only pay back to the loan. All of these are good to practice. Let me show you an example on simple calculation as you start invest at 1st of January:
Loan interest - 3%
Inflation - more then 4% a year for Malaysia (US almost 2%, last year more then this figure, and many people forget to add in this into their calculation)
Fixed Deposit(FD) - 7% is the best for I can find (Amanah Saham Malaysia)
Unit trust/Mutual fund(MF) - 3% to 4%
Let take average of 6% for FD and MF (for easier calculation cause no matter which 1 also results the same)
So you add up the loan interest and your depreciation of your money value due to inflation, you actually are losing 1% of the loan interest each year. So end up you'll be paying more for your debts instead of gaining in your investment. More over, FD you have lost control of your money; once you need money, your interest gain will be forfeited. For MF, it also varies like share (although its safer compare to share market). You won't be so lucky each year. You also have lost the control over your cash flow. However, paying debts especially study loan, you still have the control every month.
My advice for you all is try to pay the loan/debt first before you start investing. You'll find yourselves truely earning money through investment once you are debt free. Do not hestitate on earning alot of money now.
PS. Those friend who do not have debts, start invest now and plan for your future.
Investment is definitely a good idea, infact a good choice if we do not debts while we are young. Sadly, most of us borrow money from our government in order to further untill tertiary. The sum we borrow is huge. Some even borrow the money enough to buy a car. If you happen to get a car, you are considered as paying 2 cars installments... Which is a heavy amount of money.
Although most of them choose to pay the loan with lesser amount of money (we are able to choose how much we want to pay) and try to save or even put the money into other investment plan such as fixed deposit, mutual fund or unit trust. (actually big portion of the people salary are enough for saving even though need to pay car and loan installments. Good news as all of my dear friends are not underpay and threaten unwell.
Ok, back to the topic. Like what i said, most of my friend choose to invest their money instead of paying back the loan. Their investment basically are putting the money into unit trust or fixed deposite. Some invest in share market or forex. Right now, none are capable of investing in real estate. Some even plan to save alot of money get the interest from the bank only pay back to the loan. All of these are good to practice. Let me show you an example on simple calculation as you start invest at 1st of January:
Loan interest - 3%
Inflation - more then 4% a year for Malaysia (US almost 2%, last year more then this figure, and many people forget to add in this into their calculation)
Fixed Deposit(FD) - 7% is the best for I can find (Amanah Saham Malaysia)
Unit trust/Mutual fund(MF) - 3% to 4%
Let take average of 6% for FD and MF (for easier calculation cause no matter which 1 also results the same)
So you add up the loan interest and your depreciation of your money value due to inflation, you actually are losing 1% of the loan interest each year. So end up you'll be paying more for your debts instead of gaining in your investment. More over, FD you have lost control of your money; once you need money, your interest gain will be forfeited. For MF, it also varies like share (although its safer compare to share market). You won't be so lucky each year. You also have lost the control over your cash flow. However, paying debts especially study loan, you still have the control every month.
My advice for you all is try to pay the loan/debt first before you start investing. You'll find yourselves truely earning money through investment once you are debt free. Do not hestitate on earning alot of money now.
PS. Those friend who do not have debts, start invest now and plan for your future.
Jan 1, 2008
Why we want you to be rich
HAPPY NEW YEAR!!!
Recently, I just finished a book. The title is "Why we wan you to be rich"written by Robert T.Kiyosaki and Donald Trump. It is the first time 2 best seller authors on business and finance join venture to come out another books worth reading.
This book decribes why you need to be rich and what is actually happening in our real world and the future of our world if we do not take action now. They are actually mentioning why the rich are getting richer and the poor are getting poorer. If this situation continue, the middle class would diminish in the near future.
Inside this book, it also introduce many other books worth reading. One of them is "A whole new mind" by Daniel H. Pink which is what I bought yesterday and started to read now.
The rest are:"The world is flat"by Thomas Friedman; "The dollar crisis"by Richard Duncan and; "The coming economy collapse"by Stephen Lamb
If you found these books please let me know. :P
Recently, I just finished a book. The title is "Why we wan you to be rich"
This book decribes why you need to be rich and what is actually happening in our real world and the future of our world if we do not take action now. They are actually mentioning why the rich are getting richer and the poor are getting poorer. If this situation continue, the middle class would diminish in the near future.
Inside this book, it also introduce many other books worth reading. One of them is "A whole new mind" by Daniel H. Pink which is what I bought yesterday and started to read now.
The rest are:"The world is flat"
If you found these books please let me know. :P
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