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Showing posts with label Financial. Show all posts
Showing posts with label Financial. Show all posts

Wednesday, 20 January 2010

20 Days 20 Nigths in 2010

Test 1..2…3…test…

Wah…20 days suda inda mengupdate blog o….tidak banyak kejadian mungkin..atau tiada apa yang mau di cakap…mungkin juga teda mood mau menulis atau mungkin suda boring dengan apa yang terjadi di persekitaran terutamanya isu-isu dalam Negara….Sia rasa permulaan 2010 kali ni agak baik berbanding 2009 lepas….bukan mau kasi banding tapi every year..kita buli agak-agak suda what might or could happen kalu awal tahun lagi macam-macam suda kejadian di tempat keja kan…so for me this year…it was just nice….gembira juga sebab junior staff suda pandai berdikari instead of depending too much on me...mimang banyak lagi durang mau improve tapi after 5 months with them..I think they're doing quite good…susah juga young lads ni kan…ada saja free masa untuk curi tulang mimang automatis digunakan untuk curi tulang juga instead of doing something worth for their knowledge enhancement….

My health this year…I think I might get ill beberapa kali…last week I was not feeling well on Tuesday and yesterday I started to feel warm then sneezing…hari ni kerongkong mula rasa-rasa lain suda….macam antibody suda lemah sikit…need to do something la this….need to eat more fruits and minum more beer..haha…

My financial…too early to tell…but I don’t think it would make any different this year..maybe a little tight this year la.….ada beberapa plan dalam kepala and hopefully I can make them all come true la (house, kereta, kapal terbang, bot, perabot and etc)….buy that and this…pay that and this…paling benci mau membayar income tax every month..macam makin lama makin banyak pula tau…I never really care pasal my pay slip as long as I got paid tapi since beberapa bulan lepas…I began to check few details and I found out my income tax getting higher pula tau…mau juga jadi rakyat yang baik berbakti untuk Negara kenen bayar tax tapi kalu income tax almost and sometimes over 10% off net income sepa la buli tahan kan…I need to check with the management la this…sayang tu duit tu tau…huhu…

Husky the bengong….we left him selama 17 hari di boarding place for dog…when we came back and picked him up…wow! I was a little disappointed with the service…we pay RM17 per day for him to stay there but he ended up kurus kering compared to when he first went there… entah la…kana kasi makan kah tidah…when we got home…makan dengan lahapnya..minum dengan sepuasnya..so ketara inda cukup makan di sana….RM17 per day is more than enough for a man to survive but a dog??

Isu semasa…”allah”….am not qualified to comment pasal ni tapi tertarik di hati apabila isu ini menjadi sangat besar when it shouldn’t…when people ask my opinion on this…I explained to them..I don’t really care…I don’t mind if we couldn’t use it or can use it…I can have “Wel” as a replacement to “allah” if I want to...do not jadi macam sia k…ajaran sesat but it’s in your heart not mouth that matters…if you say your God’s name “Wel”, believing and thinking of your God...would that really make a different…well, I just know that we cannot samakan God to another….but by calling “Wel” as a name to God I don’t think it would create 2 Gods kan…when I read pasal ni over the internet…mimang ada yang bikin panas tapi durang pun manusia…we all banyak kelemahan and until we accept our kelemehan….I don’t think this issue can be resolved…

Today…am not quite well..macam ada tanda-tanda sakit kerongkong suda..huhu…mau p bili beer la ni..nasib lagi hari ni am off…my manager is on Holiday for 2 weeks since last week so every authorization has to go through me if it comes from Penang…today plan mau rest saja sambil-sambil tinguk DVD (marathon)..hehee..

So 2010..things am looking forward to...Schumi is back in the pit lane of Formula 1 race...I'm so excited about this as he's a living F1 legend (he won races and championships more than anybody in F1 history) this could be interesting...since his retirement, I totally ditch the F1 live telecast from my favourite channel to watch but not this year I guess..he's hunting for the 8th Championship and predicted he could do it within his 3 years contract with Mercedes....and of course weddings...May/June..August...Nov and last of course December...December is packed with wedding; my bro, my old school mate and a friend...wah looks like I have to travel back to Sabah couple of times la this year...no worries as long as I could be with them..hehe..a'ight..chao!

Monday, 7 September 2009

Life without it...

Sometimes I question myself of this…

My father is a retired teacher and during his era…earning over RM1500 or even over RM2000 was a big relief for a family as big as ours…6 siblings…what makes it more interesting is that how he managed that amount of salary for us…at that time I didn’t really understand the hardship or earning money but thankfully I wasn’t pampered to have all the things I wished for…perhaps the prices were a little cheap at that time compared to today's prices...Whilst in secondary school, you could buy a fried noodle with an egg for RM0.50...of that time was very delicious!

I’m absolutely 100% sure that I would not dare to have a family of my own with all financial obstacles that might occurred…frankly speaking, my earning is not that much but good enough for a single man…still I’m not dare to say I’m financially secured as a single man…..there were time I’d have extra money and I saved it for something far more important i.e. trip back to Sabah, holiday plan and emergency.....I’ve been spending my money based on priorities since a year ago and it worked out pretty good for me….well, don’t believe me though…it’s not always good…there’s always temptation and I’m thankful enough to be able to deal them quite good….except DVDs…it is the one thing that I would not dare to be taken away off me…it’s now part of me..people sometimes says, they couldn’t live without football or getting high on drug…it is almost the same case for me…I would not hesitate to be a little stingy on other items rather than stopping myself from buying DVDs (I did try a while ago and managed to skip buying DVD for only 2 months) Plus all the appetite destructions (food craving) I’ve been having….things become more easier for me to skip meal over DVDs….moreover, I’d easily get bored with something yet it never happens on DVDs…well, I'm not into shopping kind of person..buy new clothes etc when required to...good God..

Imagine this fact; an engineer with at least 2-3 years of experience would earn about RM3000 and more on monthly basis…estimation based/depending on company and field of engineering (Penang)

Monthly Expenses consist of;
House Rent, Car Installment, Utility Bills (electricity, water, astro, broadband and etc), Credit Cards, Life/Health Insurance, Entertainment (DVDs, night out, fine dining, movies and etc), Family Allocation (Parents or siblings), Own Expenses (Foods, groceries, car fuel and etc)

How much would you think this person would possibly fork out every month into saving account??

And what if that person has a family of 2 kids??
That’s the basic necessity of a normal person would have…well, some might not have Life/Health Insurance or credit card or might not even go out with friends/colleagues during weekend for a good relaxation…which indicate more money into saving??

Last couple of years ago...my salary was just “ciput”…and I wished I could have a better salary but once it got better…it doesn’t really resolve the financial although it improves the living little by little months after another…it reminds me of why most rich people would say…rich is just a title in a society but it doesn’t really up-lift your life to something extraordinary…of course you can have all the luxury but they come with higher price tags than you’ve had before...more earning means more expenses…

A draft beer of this size for the price of normal draft beer today??
This couple of weeks…my so called business is looking good…thanks to a friend because he’s willing to help me running it when I needed his help...I’d pay for his services though….hopefully things will get better and better….

Would you prefer to be rich, moderate or poor?

I’m thankful I’m at moderate level and wish I would be able to pay up all the debt soon…especially credit cards…hehe…

Emotion over money??
I know that emotion without money would not work as well....1 over 10 could probably work it out with the help of love cupids but the rest, 9 would need more than cupid to work things out...haha...living in the materialistic world now has affected our mind into believing money is everything.....*sigh*