March 2010
M T W T F S S
« Feb    
1234567
891011121314
15161718192021
22232425262728
293031  

Recent Comments

The Power Of Compounding Interest

Compound interest arises when the interest earned from original principal has been reinvested in addition to the principal in order to earn interest from that moment onwards. This addition of interest to the principal is called compounding.

How important is it to begin savings right now, as opposed to later?

Just refer to the example below:

If you invest RM1, 000,000 into equity fund that yield 10% average annualized return, 10 years later you would get RM 2,593,742.46.

Assume that the average annual inflation rate is 5%.

If you keep your cash of RM1, 000,000 under the pillow today, it only worth RM613, 913.25 in 10 years later.

The conclusion of compound interest is the earlier you start saving, the greater the accumulated interest on your original investment. The best time to start saving is now regardless the amount. It is never too late to start.

Essence of trust

I was having a walk in the park near my housing area this evening and I overheard the conversation between a little girl and her grand father…

They were crossing a bridge and the grand father afraid that the little grand daughter may fall in to the river.

So, he asked his little grand daughter to hold his hand properly so that she didn’t fall into the river.

However, the little girl refused but asked the grand father to hold her hand.

“Why? What is the difference?” the puzzled grand father asked.

The little girl said, “There is a big difference… I may let go your hand if I hold your hand and something happens to me. However, I know for sure that no matter what happens, you will never let go my hand if something happens to me.”

So hold the hand of the person who loves you rather than expecting them to hold yours…

The essence of trust is vital in any relationship…

'LIKE' and 'LOVE'...

What is differences between ‘like’ and ‘love’?

You may like the person but you may not love him/her. But if you love that person, sure you will like him/her as well. ’Love’ contains of ‘like’ and it does not needed any reasons…’Like’ is a very straight feeling and it is so simple. ’Love’ is a subjective feeling and it is complicated.

Cleaning Lady

Do you know what is the first name of the woman who cleaned your school? You may start thinking now… You had seen the cleaning woman several times. You can remember that she was short, chubby, dark-haired and in her 40’s, but do you know her name?

Actually, we meet many people in our careers. All of them deserve our attention and care; even just say “hello” or a simple smile. You will get shocked with the incredible impact of a simple greeting. It helps to establish the relationship between you and other people.

So… Just practice now by starting with a cheerful smile…

Believe me… You can see the difference …

Which job suitable for you?

Try to do this in order to know which job suit you more…

One day, you get lost in the wilderness while traveling. It is getting darker and you have no alternatives but to seek refuge in a small hut nearby. The owner tells you all his rooms are haunted. Which room will you choose?

The room where:

Room (A) – a human head stares at you maliciously from outside your window

Room (B) – the bathroom door creaks open and close, and there are sounds of a woman sighing

Room (C) – the bed starts rocking violently whenever you try to sleep on it

Room (D) – a headless ghost sits at the foot of your bed when you awake in the middle of the night

 

SELECT ONE CHOICE BEFORE YOU SCROLL DOWN FOR THE EXPLANATION.

 

 

 

 

 

 

 

 

 

 

 

Scroll down for explanation.

 

 

 

 

 

 

 

 

A) A human head stares at you maliciously from outside your window.

Explanation: You emphasize on privacy and more suitable to work alone. You look for stability i.e. a job that is not easily affected by external factors and provides steady income. E.g. Doctor, lawyer, SOHO, teacher, administrator.

B) The bathroom door creaks open and close, and there are sounds of a woman sighing.

Explanation: You prefer a stable job that does not require you to run around or meet people. You are willing to take the pressure from your bosses if that lets you sit in an air-conditioned office all day. E.g. Civil servant, engineer, computer engineer, accountant.

C) The bed starts rocking violently whenever you try to sleep on it.

Explanation: You are an active person who does not like to be restrained. You are easily adaptable to a job which is full of changes and not routine. E.g. Marketing, insurance, sales, delivery man.

D) A headless ghost sits at the foot of your bed when you awake in the middle of the night.

Explanation: You suit jobs that need you to meet people. Your job will depend on these people, but you will not know who they are. E.g. superstar, politician, PR, frontline sales

About Corporate Governance -1-

Definitions of Corporate Governance:

1) The process of supervision and control intended to ensure that the company’s management was acts in accordance with the interests of shareholders  (Parkinson, 1994)

2) The system by which companies are directed and controlled (The Cadbury Report, 1992)

3) The relationship between shareholders and their companies and the way in which shareholders act to encourage best practice (e.g. by voting at AGMs and by regular meetings with companies’ senior management). Increasingly, this includes shareholder ‘activism’ which involves a campaign by a shareholder or a group of shareholders to achieve change in companies. (The Corporate Handbook, 1996)

4) The governance of an enterprise is the sum of those activities that make up the internal regulation of the business in compliance with the obligations placed on the firm by legislation, ownership and control. It incorporates the trusteeship of assets, their management and their deployment (Cannon, 1994).

A nice story sharing...2

A really good story to share with yours…

When I back at that night as my wife served dinner, I held her hand and said, I’ve got something to tell you. She sat and ate quietly. I observed the hurt in her eyes.

I didn’t know how to open my mouth, but I had to let her know what I was thinking. I want to divorce with her. I raised the topic slowly. She didn’t seems to be annoyed by my words, instead she asked me calmly, why? I avoided to answer her question. This made her angry. She threw away the spoon and shouted at me, you are not a man!

We didn’t talk to each other at that night. She was weeping. I knew she wanted to find out what was happened to our marriage. But I’m hardly to give her a satisfactory answer; I had given my heart to a lovely girl called Sweety. I didn’t love her anymore.

I drafted a divorce agreement which stated that she could own our house, 35% shares of my company and the car. She glanced at it and tore it into pieces. Both of us had become stranger after living together for 12 years. I felt sorry to her in wasting her time, resources and energy but I could not do anything right now as I had in love with Sweety.

Finally she cried loudly in front of me, that is what I had expected to see. For me, cry was actually a kind of release. The idea of divorce which had obsessed me for 1 month seemed to be firmer and clearer now. The following day, I found her writing something at the table when I back in very late time. I went straight to sleep very fast because I was tired after an eventful day with Sweety. She was still there at the table writing when I woke up. I did nothing and was fall asleep again.

She presented me her divorce conditions in the next morning. She didn’t want anything from me, but just a month’s notice before the divorce. She requested that in a month’s time that we both live like normal as before as possible. The reason was that our son had his exams in a month’s time and she didn’t want to disrupt him with our broken marriage.

I accepted her requested. In addition, she also had asked me to recall how I had carried her into out bridal room on our wedding day. She requested that I carry her out of our bedroom to the front door every morning during a month’s duration. I thought she was going crazy. I accepted her request as to make our last days together bearable .

I told Sweety about my wife’s divorce conditions. She laughed loudly and thought it was absurd. My wife and I hadn’t had any body contact since the divorce intention was explicitly expressed. So when I carried her out on the first day, we both appeared clumsy. Our son clapped, “daddy is holding mummy in his arms”. His words brought me a sense of pain. From the bedroom to the fitting room, then to the door, I walked over 15 meters with her in my arms. She closed her eyes and said softly; don’t tell our son about the divorce. I nodded, feeling somewhat upset. I put her down outside the door. She went to wait for the bus to work and I drove alone to the office.

On the second day, both of us acted much more easily. She leaned on my chest. I could smell the fragrance of her blouse. I realized that I hadn’t looked at this woman carefully for a long time. I only realized that there were fine wrinkles on her face, her hair was graying! Our marriage had taken its toll on her. I just wondered what I had done to her.

On the fourth day, when I lifted her up, I felt a sense of intimacy returning. This was the woman who had given ten years of her life to me. On the fifth and sixth day, I realized that our sense of intimacy was growing again. I didn’t tell Sweety about this. It became easier to carry her as the month slipped by. Perhaps the everyday workout made me stronger.

She was choosing what to wear one morning. She tried on quite a few dresses but could not find a suitable one. Then she sighed, all my dresses have grown bigger. I suddenly realized that she had grown so thin, that was the reason why I could carry her more easily. Suddenly it hit me; she had buried so much pain and bitterness in her heart.

Subconsciously I reached out and touched her head. Our son came in at the moment and said, Dad, it’s time to carry mum out. To him, seeing his father carrying his mother out had become an essential part of his life. My wife gestured to our son to come closer and hugged him tightly. I turned my face away because I was afraid I might change my mind at this last minute. I then
held her in my arms, walking from the bedroom, through the sitting room, to the hallway. Her hand surrounded my neck softly and naturally. I held her body tightly; it was just like our wedding day.

But her much lighter weight made me sad. On the last day, when I held her in my arms I could hardly move a step. Our son had gone to school. I held her tightly and said, I hadn’t noticed that our life lacked intimacy. I drove to office, jumped out of the car swiftly without locking the door. I was afraid any delay would make me change my mind. When Sweety opened the door, I said to her, Sorry, Sweety, I do not want the divorce anymore. She looked at me, astonished.

She touched my forehead and asked, “Do you have a fever?” I moved her hand off my head. Sorry, Sweety, I won’t divorce. My marriage life was boring probably because she and I didn’t value the details of our lives, not because we didn’t love each other any more. Now I realize that since I
carried her into my home on our wedding day I am supposed to hold her until death does us apart.

Sweety seemed to suddenly wake up. She gave me a loud slap and then slammed the door and burst into tears. I walked out and drive away. On the way back, I stopped at one floral shop and ordered a bouquet of flowers for my wife. The sales girl asked me what to write on the card. I smiled and wrote: ‘I’ll carry you out every morning until death does us apart’

The small details of our lives are what really matter in a relationship. It is not the mansion, the car, the property, the bank balance that matters…These create an environment conducive for happiness but cannot give happiness in themselves. So find time to be your spouse’s friend and do
those little things for each other that build intimacy. Do have a real happy marriage!

Relationships are made not to exploit, not to be broken.

You don’t get to choose how you are going to die, or when, but, you can decide how you are going to live, here and now.

P/S: People will forget what you said

          People will forget what you did

          But people will never forget how you made them feel…

As you move on in a relationship, please don’t forget what were the values that brought you two together when it’s first started…DON”T Let Them Fade Off….
‘You Have to Learn Lessons Also from Others Mistakes because you will Not Get Time to Do All the Mistakes on Your Own’ :)

A nice story sharing...1

A nice story to share with yours…

“Appologizes does not mean that you are wrong and the other one is right…It simply means that you value the relationship”…

A man punished his 6 years old daughter for wasting a roll of expensive gold wrapping paper. Money was tight and he became even more upset when the child used the gold paper to decorate a box to put under the Christmas tree.

Nevertheless, the little girl brought the gift box to her father was embarrassed by his earlier overreaction, but his anger flared again when he found the box was empty. He spoke to her in a harsh manner, Don’t you know, when you give someone a present there’s supposed to be something inside the package?

The little girl looked up at him with tears in her eyes and said, Oh, Daddy, it’s not empty. I blew kisses into it until it was full. The father was crushed. He begged her to forgive him for his unnecessary anger.

An accident took the life of the child only a short time later and it is told that the father kept that gold box by his bed for all the years of his life. And whenever he was discouraged or faced difficult problems he would open the box and take out an imaginary kiss and remember the love of the child who had put it there.

In a very real sense, each of us as human beings have been given a golden box filled with unconditional love and kisses from our children, family, friends and God. There is no more precious possession anyone could hold.

You want peanuts?

Ah Beng is a bus driver; one day got this old folks home ’pao’ his bus for a day trip to Pulau Ketam. Sitting right behind the driver’s seat is Grandma Sue and from his rear mirror Ah Beng can see that Grandma Sue is happily munching away..

In the middle of the road trip, Grandma Sue tapped Ah Beng on his shoulder and asked him…

> > Grandma: ‘Ah Beng ah! You want peanuts boh? Grandma treat you eat peanut ai mai?’ 
> > Ah Beng: Tenkiu ah ma… yes I want!’  Then Ah Beng also happy happy munching peanuts… about 20 minutes down the road, Grandma Sue asked Ah Beng again…. 
> > Grandma: ‘Ah Beng ah! You want peanuts boh? Grandma treat you eat peanut ai mai?’ 
> > Ah Beng: ‘Tenkiu ah ma …. yes I want!’ 

 To make the story short, this goes on for a few more times…then Ah Beng finally asks Grandma Sue…

> > Ah Beng: ‘Ah ma ah .! … you dont eat peanuts one meh?’
> > Grandma: ‘No… no eat! Ah ma no teeth la!’ 
> > Ah Beng: ‘Aiks! no teeth then why ah ma buy peanuts leh?’
> > Grandma: ‘No choice leh! Just now that 7-11 is out of chocolate so ah ma kena buy this peanut chocolate lor! Ah ma lick the chocolate around the peanut and the peanut give you eat lor!

04-03-10 Thurs

Just now on the way back from study, I received one call from my ex-client…Mostly I think she calling me to ask about the accounts matter…During the call, I just wondering she want to give me some income to earn as she did not have such experience in handling with that task.

However, I have to let go as I’m busy in studying now. She knews my situation and she asked me to act as consultant for her instead of doing the whole task. At end, I recommended to her my ex-seniors who doing in this kind of management services to help her.

Is a great chance for me to have a new trial for my future plan but is not the timing for me right now. Never mind, I believed I still will have this kind of opportunity in later days, i.e. at the time I’m ready for it :p