I am recommending the Financial IQ from Rich Dad and Poor Dad Author. It has given me alot of insights.
Increasing the Financial IQ, this will enable people like me to become a better invester, better business man, better budget control. Why i say this, the book shows that Currency the way we know it has change from our Forefathers time till now. Right now this is the CREATION wave. Whereby people who creates will best benefit from this unsettling time.
What is creation. Creating intrinsic value or perceive value and create a demand for it.
Developing the Financial Genius in oneself to better handle this 21st century Economy.
For mi i'm contemplating and thinking of setting up a social business for gathering people, organising activities to get people to mingle. That's my strength as i'm in the project field. I like to organise events / activities and plan. It gives me tremendous satisfaction that the work i do, people appreciate it. That's why i'm thinking of going for this. Starting small first and slowly build it up.
Everyday Life
Feedback from Union with regards to the ProBaby
I receive an email from Union with regards to a survey to be done. As a passionate Singaporean, i oblige and happily do the survey. However i find the survey is only categorizing the needs and it attempts to separate Singles and Married personnel with only few options available. In other words it is doing a survey and base on the options available tilting towards the objective of what the Government wants to do. Not asking the people's thoughts of it.
I propose that there should be a blue print and Singaporeans need to know the PROS and CONS of it so that they themselves make a decision. From the blue print of the Government, a frame work of it. Let there be a debate or ideas to challenge the blue print and frame work and fine tune it to suit 90% of the population needs. This can in the form of debate for representatives in category of
It may not be perfect but at least there's a platform to start. Start from small and slowly fine tune on it. If it is too complicated and challenging, people would just ignore and treat it as another one of the gimmicks.
In order for everyone to participate. I would think that the blue print have to be printed out and send to every household. Give people channels to offer their ideas and offer them publicity to challenge the blue print. Get people to be motivated and fired up to participate in the policy. Mass marketing campaign is a must for this to succeed as people need to be constantly reminded and steer towards the right direction.
How to get people fired up and motivated. Get the PA involve in doing rounds and a personal touch to the people living in the constituency. Show them the passion and people will get ignited. Once the ignition is started, the passion of fire need to be kept constantly alive. Creating the habit takes time (making more babies) Incentives and Rewards would come in handy in order for the habit to slowly take root. Over time it will become a habit and people will get addicted to having babies.
I propose that there should be a blue print and Singaporeans need to know the PROS and CONS of it so that they themselves make a decision. From the blue print of the Government, a frame work of it. Let there be a debate or ideas to challenge the blue print and frame work and fine tune it to suit 90% of the population needs. This can in the form of debate for representatives in category of
- low income / low education
- low income / high education
- middle income / low education
- middle income / high education
- high income / low education
- high income / high education
It may not be perfect but at least there's a platform to start. Start from small and slowly fine tune on it. If it is too complicated and challenging, people would just ignore and treat it as another one of the gimmicks.
In order for everyone to participate. I would think that the blue print have to be printed out and send to every household. Give people channels to offer their ideas and offer them publicity to challenge the blue print. Get people to be motivated and fired up to participate in the policy. Mass marketing campaign is a must for this to succeed as people need to be constantly reminded and steer towards the right direction.
How to get people fired up and motivated. Get the PA involve in doing rounds and a personal touch to the people living in the constituency. Show them the passion and people will get ignited. Once the ignition is started, the passion of fire need to be kept constantly alive. Creating the habit takes time (making more babies) Incentives and Rewards would come in handy in order for the habit to slowly take root. Over time it will become a habit and people will get addicted to having babies.
Blue Print of Developing Babies
Blue print of developing babies
Let's start from the 1st flow chart to the 2nd flow chart
After a woman gets pregnant, there will be happiness of course. There's where the truth will sink in. There is hospitalization cost to be incurred, medical check ups, insurance etc. These cost in short will take up almost $10k for that 9 months. It could be more but consideration more on budgeting. During this period, the woman's body undergo changes, mood swings.
3rd Flow chart onwards
- Time to accompany the child, nurture the child, this is where if there's constant supply of cash flow whereby a couple does not need to worry for. Just for the child basic needs. In terms of dollars, i am calculating at $8k per year fixed expenses.
4th Flow chart onwards
- This is where a child starts to understand and pose a lot of questions and also at this age, the child learns about values and morals. This is critical. In terms of dollars, i'm calculating at $5k per year
5th Flow Chart onwards
- Primary School, time is even needed more to guide and let the child run on its own. Discipline if necessary.
This is even more crucial as the different social norms and levels start to show with mixing of different children.
6th Flow Chart onwards
- Secondary School, perception of money and cash flow and teaching the kids to value money and understanding of the Society.
New Initiatives from the Singapore Government
Recently Singapore Government has announced to look into the declining birth rates of babies. We Singaporeans are encouraged to make more babies.
I am expressing my view.
Concerns of having more babies.
- Current Economic environment is very competitive
- Bringing up a child in the 21st Century is different, back then it was only to put food on the table and live day by day which is more than enough. Back then a lot of unpredictability. After the World War 2 in 1945, many people start to rebuild their lives and there come the industrial age. Singapore has come a long way since from then. From industrial to informative and now to creation.
- Time to take care of the babies and nurture them just like playing online RPG, if you don't nurture your character, it stays where it is and there's no development. Time is of utmost importance for taking care of a child from birth till 12 years. I say that as during 13th onwards in Secondary school, the child more or less has their own ideology and social norms
- In total 12 years of time to commit and develop a child.
- No blue print for parents to follow (Having a blue print makes first time parents in the creation Age (21st Century) easier. It can be in the form of categorization. I'm thinking in terms of the child in achieving their potential with taking into consideration of the parent's affordability. Of course this is just what i think. Need to formulate a plan and to stick with it. Except for a few, i'm guessing that most people in Singapore don't have a plan for taking care of kids. Maybe most have the economic aspect of it but most don't have any formulation plan for developing a child. Maybe the government can take that into consideration. Considering having a blue print structure and every 4 years the structure evolve and people adapt to it.
- Education in sex for the new Generation. Teaching them concepts on the pleasure and joys of having sex but not pre-marriage sex of course.
- Government Concept of having a subsidized housing only when you are married or going to be married. Some People will never budget for that unless marriage looms and even before marriage looms. By that time, couples save up for their marriage and delay in having babies as they do not have a roof over their top. I would say that for people who are married and staying apart, the Government can do the part of renting HDB flats out to these couples until they have saved up for BTO or Resale flat or consider giving me more rebates to Couples that are starting out.
- Affordable day care and child care centers. This will definitely help couples to decide having babies. However Budgeting for it is another story.
In summary i would propose the Government to come up with a simple Blueprint for Parents to have babies, to develop babies. This would definitely help for first time Parents. After all we are living in the Creation Age of the 21st Century.
I am expressing my view.
Concerns of having more babies.
- Current Economic environment is very competitive
- Bringing up a child in the 21st Century is different, back then it was only to put food on the table and live day by day which is more than enough. Back then a lot of unpredictability. After the World War 2 in 1945, many people start to rebuild their lives and there come the industrial age. Singapore has come a long way since from then. From industrial to informative and now to creation.
- Time to take care of the babies and nurture them just like playing online RPG, if you don't nurture your character, it stays where it is and there's no development. Time is of utmost importance for taking care of a child from birth till 12 years. I say that as during 13th onwards in Secondary school, the child more or less has their own ideology and social norms
- In total 12 years of time to commit and develop a child.
- No blue print for parents to follow (Having a blue print makes first time parents in the creation Age (21st Century) easier. It can be in the form of categorization. I'm thinking in terms of the child in achieving their potential with taking into consideration of the parent's affordability. Of course this is just what i think. Need to formulate a plan and to stick with it. Except for a few, i'm guessing that most people in Singapore don't have a plan for taking care of kids. Maybe most have the economic aspect of it but most don't have any formulation plan for developing a child. Maybe the government can take that into consideration. Considering having a blue print structure and every 4 years the structure evolve and people adapt to it.
- Education in sex for the new Generation. Teaching them concepts on the pleasure and joys of having sex but not pre-marriage sex of course.
- Government Concept of having a subsidized housing only when you are married or going to be married. Some People will never budget for that unless marriage looms and even before marriage looms. By that time, couples save up for their marriage and delay in having babies as they do not have a roof over their top. I would say that for people who are married and staying apart, the Government can do the part of renting HDB flats out to these couples until they have saved up for BTO or Resale flat or consider giving me more rebates to Couples that are starting out.
- Affordable day care and child care centers. This will definitely help couples to decide having babies. However Budgeting for it is another story.
In summary i would propose the Government to come up with a simple Blueprint for Parents to have babies, to develop babies. This would definitely help for first time Parents. After all we are living in the Creation Age of the 21st Century.
Brainstorming
Brainstorming.
This is a customer service course which i have attended before. We were brainstorming on the ideas and stuff to what our company stands. What makes a difference and what our products and quality says for ourselves. Our course lecturer is a ex SIA Cabin crew Manager with 20 years of experience. To him it is the first time he's teaching about customer service to MFG company.
At the end of the course, i have gain insights to how a SIA company operates with emphasis on customer first. To make an impression to a customer, besides performing the standard operating procedures, you need to perform it with sincerity and a smile. Make a difference to the customer, make his journey as least hidcup as possible from take off to landing. The journey is smooth and enjoyable that's why SIA is no. 2 best voted
Airline in the World.
In Business it can also be applied. How can we make the journey that means from start to end to be as less hidcup as possible. Make it as smooth as possible. Make it a memorable experience to the customer and customer will always remember it. Offer alternatives and solutions as best as you could
It is an invaluable lesson to me.
Start small in anything
To succeed in anything with the best of the potential. You need to start small. Take for example, baby crawl around and when they are confident, they walk. It is the same for any endavourers we take in life. Always start with small baby steps. From there build up the confidence to take bigger steps but don't ever forget baby step. Venturing into the unknown like business, chasing girls, starting blog, stocks, etc....
It starts with a single baby step. Once you start, act on it and repeat and try again and again and again. The process of doing it will be faster and faster the next time you do it until you are proficient. So don't be afraid of that tiny baby step.
It starts with a single baby step. Once you start, act on it and repeat and try again and again and again. The process of doing it will be faster and faster the next time you do it until you are proficient. So don't be afraid of that tiny baby step.
Scams in the world(Quick rich and illogical)
I would like share with everyone about the scams and i hope after reading it you have gain some insights and information.
I will relate my story. It begins with a desire to be financially free where i first blog about being financially free. I was searching information on the web on how to be rich, how to get there and in the process of it come across of some websites that promised returns of unbelieve amounts of 1000% with minimum effort. Of course playing on desire of being financially free in mind. I pay for some information (which says you can be a distributer of MLM) and you will get support from the organisers and best of all online also. With every product you are selling and every member you get under you, you will get streams of income under you. The products looks good and there are people getting pay cheques from the downlines and products they sold. I didn't buy into that as i was more interested in the business system as i know that it is impossible for the downlines to grow as sooner or later you will run out of personnel. The business system works in a way of pressuring techniques like (if you buy now, you will enjoy discount of up to 40% of the pricing, warning sign 1, you will have product support from the supplier, warning sign 2, bring the person that you want to recruit to the office, warning sign 3)
I question that need of discount up to 40%, most likely the product has been mark up by 500% or more to create the impression that as a buyer you are getting a good deal. Another thing, if the product is so good, do you need product support? Even the hospitals or people down the street would have created a demand for it. Bringing the person down is another warning sign. In that type of environment where some people (actors/actress) will act as a buyer and purchase stuff that in your normal sense will be out of ordinary and you will question (are they out of their mind? or are they buying the product that will create wealth?) This will create a hype that in that instance at that moment, you lose all your senses and you will sucumb to buying.
I would urge people to really question and do research and have a common sense when you do any purchasing, especially with regards to big ticket items (it can be anything) Whatever the seller is selling to you, always remember that they earn commission on it and to them they are only concern of getting you to buy the product. Evaluate for yourself with the product that you are going to purchase, would you still want it in half year time, would you still need it in half year time, is there a need, employing the rules of 5Whys and 1H.
In this world, 3 primary stuff most people are concern are health, money and love. These needs also create a business for scammers (it can be companies or people) and fabrication of lies and stories revolves on these 3 primary stuff. Do be logical and mindful when you need to fork out your own cash.
I will relate my story. It begins with a desire to be financially free where i first blog about being financially free. I was searching information on the web on how to be rich, how to get there and in the process of it come across of some websites that promised returns of unbelieve amounts of 1000% with minimum effort. Of course playing on desire of being financially free in mind. I pay for some information (which says you can be a distributer of MLM) and you will get support from the organisers and best of all online also. With every product you are selling and every member you get under you, you will get streams of income under you. The products looks good and there are people getting pay cheques from the downlines and products they sold. I didn't buy into that as i was more interested in the business system as i know that it is impossible for the downlines to grow as sooner or later you will run out of personnel. The business system works in a way of pressuring techniques like (if you buy now, you will enjoy discount of up to 40% of the pricing, warning sign 1, you will have product support from the supplier, warning sign 2, bring the person that you want to recruit to the office, warning sign 3)
I question that need of discount up to 40%, most likely the product has been mark up by 500% or more to create the impression that as a buyer you are getting a good deal. Another thing, if the product is so good, do you need product support? Even the hospitals or people down the street would have created a demand for it. Bringing the person down is another warning sign. In that type of environment where some people (actors/actress) will act as a buyer and purchase stuff that in your normal sense will be out of ordinary and you will question (are they out of their mind? or are they buying the product that will create wealth?) This will create a hype that in that instance at that moment, you lose all your senses and you will sucumb to buying.
I would urge people to really question and do research and have a common sense when you do any purchasing, especially with regards to big ticket items (it can be anything) Whatever the seller is selling to you, always remember that they earn commission on it and to them they are only concern of getting you to buy the product. Evaluate for yourself with the product that you are going to purchase, would you still want it in half year time, would you still need it in half year time, is there a need, employing the rules of 5Whys and 1H.
In this world, 3 primary stuff most people are concern are health, money and love. These needs also create a business for scammers (it can be companies or people) and fabrication of lies and stories revolves on these 3 primary stuff. Do be logical and mindful when you need to fork out your own cash.
Weddings and Weddings
Woo man, i just came back from the Library at Bugis. Wow there are 4 weddings showcase in the library. If you are at the library, you will see what i meant was 4 minatures wedding showcase. There is Indian, Malay, Chinese, Eurasian Marriage.
I think this is to create more awareness to the races and to ensure that the tradition do not lose touch.
When 2 person walk together to that journey towards marriage, it is not just the wedding itself. It is also being there for 1 another, their family, their friends and to build a rewarding life together and fulfilling life together. That's where the marriage vows are very important. It is for life when 2 persons decided to take the commitment to the highest level. To love and to cherish each other forever be it for better or for worse when the life comes. Is it that simple? Yes it is that simple. The love will grow stronger with both parties having the commitment. If 1 party do not have that, it will sure doom to failure.
That's my thoughts when i see the 4 different wedding customs. Is the same for all races. Utimately is to grow old together with someone you LOVE>
I think this is to create more awareness to the races and to ensure that the tradition do not lose touch.
When 2 person walk together to that journey towards marriage, it is not just the wedding itself. It is also being there for 1 another, their family, their friends and to build a rewarding life together and fulfilling life together. That's where the marriage vows are very important. It is for life when 2 persons decided to take the commitment to the highest level. To love and to cherish each other forever be it for better or for worse when the life comes. Is it that simple? Yes it is that simple. The love will grow stronger with both parties having the commitment. If 1 party do not have that, it will sure doom to failure.
That's my thoughts when i see the 4 different wedding customs. Is the same for all races. Utimately is to grow old together with someone you LOVE>
Love in the air for 15th Feb
I have always wondered myself what i've been doing for my life for the past 25 years. In case you guys don't know i'm almost 1 year behind to get my flat. I need to really get 50k before this year 2011. This is my target, after which i can use it to pay for my flat. As they say a man needs a flat, resources to attract people. I'm working towards that. Life is fair in that extent.
What am i talking about now? I guess i'm tired. Go rest rest.
What am i talking about now? I guess i'm tired. Go rest rest.
1 day at marina centre
Talking about recycling, I came across this booth at Marina Centre. They have a theme on the recycling, is interesting to note. Some of the photos i have taken.
Singapore Flyer
I just went to the Singapore Flyer on Christmas Day. The setup was really like going on holiday where there's sensor device to check your stuff before you go in. Also there's a walk talkie that you can listen to as you go into the cubicle of the Singapore Flyer. All in all is a nice experience to enjoy the view of Singapore from the Flyer. Some of the photos i have taken. Do give it a try. The journey last around 45mins.
Above place was back in year 2009. Fast forward today now is Oct 2020. There are more things to experience at Singapore Flyer now then in 12 years ago. You can have a wedding in the flyer whereby drinks and finger food are served. Take note though guest is limited to 20 and may even be lower due to Covid19 now. More nicer pictures to take as alot of construction are completed and it will be sight to behold
There is the rainforest experience which stretch to about 50 meters. It is a short walk under the Singapore Flyer. Not to forget there are delicious hawker food, though it is much more expensive than the heartlands. However tourist would love it. There is also the F1 track and F1 vehicles. Not sure whether F1 will be held in Singapore this year. However for the past few years where F1 is held, the Singapore Flyer do experience more visitors due to F1 coverage. In a way it benefited from F1 night race.
Right now Singapore Flyer is doing a promotion for 2 paying adults and 1 child is free. My eldest is 5 and youngest is 2 year. This is my next in line to go to bring my 2 children as they have not experience the Singapore flyer before.
Brainstorm
It has really been some time since i last talk about anything. I got tons of things to write but don't have the tons of time. I just went holiday with my friend in Batam, he can be considered a local there as he has work there for 1 year + , but he did not go and explore so we took the opportunity of going there and explore the place. It is really relax and shiok there. I enjoy the pace of life very much. So relax and wake up, go shopping, go massage, go watch movie. I watch 2 movies on two days. 1 action and 1 romance. Ninja and New Moon. Both are nice. Batam is a very nice place for people to relax and take a short break and pamper your ownself. Some of the photos i taken.
Kites flying
So carefree, as you see the kite flying and soaring in the sky. It is really relaxing, imagine soaring in the sky, enjoying the breeze.
Tom N Jerry Chuck Fest
I went to chuck Fest on Saturady with my friend, it was a very sunny day, perfect day for kite flying, watching band., While the rest of the people in Singapore flock to the commex. i was enjoying the sun with my friend, taking pictures and enjoying the marina bay on a Fine Saturday Afternoon.
cute cute stuff in suntec
This shop i came across in Suntec, the stuff that they sell are really cute and great for couples. It feature 1 boy and 1 girl married in a car or seating on a sofa. The shop owner profess that so far it is the only shop in Singapore that feature this. I can't resist taking some photos of it as is really nice nd cute. Do go to Suntec Third Floor to check it out. You can also purchase for your love ones or friends
Mario Bros
Check out the mario bros. This is my first favourite game in nintendo. I really like playing it so much where you you eat mushroom and become bigger and stronger. This type of game at that point in time was so fun. You keep on playing it and won't be tired of it.
Lego bring animals to live
Lego has bring the animals to life. I really like the stuff toys that is almost real like the real thing not to mention some of the animals are moving their head nodding and roaring. Wow it was magnificient
Ion Orchard Swarovski
I went with my friend to Ion Orchard, he went there to purchase a jewellery for his girlfriend. Very sweet of him. It was very crowded when we go there. So many people were eyeing the jewellery.
jewellery made by oneself
Just help my friend to take pictures of the jewellery she made. The price is not exhorbitant and quite affordable. She make these jewellery for fun and also to sell. Take a look.
A day of sightseeing for 2 hours
It was a bright sunshine morning as i stroll along the streets of bugis junction and illuma. Here's some photos of the highlights of the day.
HDB housing and CPF
Recently there's a news on Housing, whereby condominium become very very hot. You can see alot of people lining up as the recession is finally bottoming up and people are interested to invest. I have 2 friends also going to contemplating of buying houses. They calculate finances and how much loan that they could afford, besides that if eg. 1 of the spouse is not working how many months of cash flow they would need to fork out. They think far ahead which is good as you never know is this kind of economy. It makes sense to plan and have a backup plan. Nobody knows for sure.
It also make good sense to take advantage of the govenment subsidy rate for first time home owners, can get up to 40k of grant upfront for staying near parents. Check out www.hdb.gov.sg for more information. It also contain information of how much loan that you are eligible to afford, how many years of repayment scheme you want to look at.
Another website of good source of information is www.cpf.gov.sg. As almost everybody knows the money in the ordinary is used for housing / school fees / insurance / stocks. The cpf website give some reference to will be home owners on the affordability. The retirement plans and tips on how to increase your retirement savings. 1 good point they mention is you can transfer your ordinary a/c to your special a/c to enjoy higher percentage on the savings taking int o consideration the you won't be needing the money for housing. On the downside you have to wait till 62 years old to slowly withdraw the money inside the Special A/C. For people that are in no need of the ordinary a/c. it makes perfect sense to transfer it to special to enjoy the 4% rates instead of the 2.5% rate. Of course this depend on each individual and needs.
It also make good sense to take advantage of the govenment subsidy rate for first time home owners, can get up to 40k of grant upfront for staying near parents. Check out www.hdb.gov.sg for more information. It also contain information of how much loan that you are eligible to afford, how many years of repayment scheme you want to look at.
Another website of good source of information is www.cpf.gov.sg. As almost everybody knows the money in the ordinary is used for housing / school fees / insurance / stocks. The cpf website give some reference to will be home owners on the affordability. The retirement plans and tips on how to increase your retirement savings. 1 good point they mention is you can transfer your ordinary a/c to your special a/c to enjoy higher percentage on the savings taking int o consideration the you won't be needing the money for housing. On the downside you have to wait till 62 years old to slowly withdraw the money inside the Special A/C. For people that are in no need of the ordinary a/c. it makes perfect sense to transfer it to special to enjoy the 4% rates instead of the 2.5% rate. Of course this depend on each individual and needs.
Cos Play 2 in Singapore At Pasir Ris
Wow another cos play at Pasir Ris, check it out. There are even more anime characters than last time at Takashimaya. Very interesting. All the chars are very obliging to pose and take pictures. All in all it was a very successful event. I have fun clicking on the shutter to take the pictures for these cosplay characters. Makes you feel so young and vibrant and full of hope.
Cos Play
Check out the Cos Play on saturday 27-June-2009 at Ngee Ann City
Alot of favourite chars came to life and animated by people
I went to check it out with my friend Robin. He's full of enthuasium for this.
Unlike my other friend, due to H1n! he is so skeptical of going to Ngee Ann City.
There's alot of crowd. The flu virus might be zzzz around.
Actually it doesn't matter, cause i also met him yesterday evening for barbecue.
Plaza Singapura
Ever think of writing a story? www.mutb.com.sg introduces a very basic concept for aspiring writers. Seeing that I also aspire to be an author, sometimes i contemplate of writing my life story and publish it out. It will be a very unique story of mine, how i grow up and what challenges that i face in my life for 32 years. The issues that i face in this modern society of Singapore. Come to think of it though, how many people would want to purchase my biography. Maybe my loves ones :) Have anyone thought of writing their own biograghy ? I believe it helps to identify the important milestones that have impact your life. Just a few days i was going through my journal, (this journal was written very long long time ago) , That time i believe strongly in innocence of love. Till today i still believe. Yeah i guess an idea is spinning in my head now. How i could help adults or people to write about their biography. Maybe i should start something like that. This book would be very personnel and would really show a history to their offsprings or people who want to know what kind of person he/she is. I believe everyone should write about it. Make it like a trend. It could be title 'Growing up in Singapore (version of James Lew Wenwan)'
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