Tuesday, February 24, 2015

Luxury Goods Can Wait

Or they really affordable towards the luxuries? Not my business anyway.
Goods are getting more and more expensive,RM50 note becoming a day basic necessity to survive in a city.
Not talking about the meals nor the daily essentials, transportation itself cost you half or the note.
But well, these are not the main focus.
Question is, why thing happens?

I would say one of the factors is the spending pattern in Malaysia. The young adults are deemed to be more affordable towards the luxuries. Though there are few different level of societies, but all of them are more likely to spend on good meals, good stuffs and good clothes. We call em' luxury.
When people are willing to spend, the supply will react towards the demand, concurrently.
The suppliers are ought to increase in price when people are willing to spend, even when prices are raised.

The fuel price has gone down recently, this further triggers the spending pattern going up where the purchasing power turns consolidate. Theoretically it reflects positive in the overall production of country. But in realistic, when the people are unable to follow the step, it somehow giving negative impacts into the market. A lot of them struggling for survive, corporate fighting to sustain and at the end lose to the market trend. 

'If you are not afraid enough to lose in the beginning, you are sustainable to success in the end".

Happy Chinese New Year.

Monday, November 3, 2014

So what after graduated?



At last, am officially graduated from University Malaysia Sarawak, UNIMAS under Faculty of Economics and Business, Bachelor of Finance (Hons) and joined the UNIMAS Alumni.
Honestly, I had never imagine of myself would come to this stage, as in not even thought of my convocation. Seriously, this flight back to Kuching for my graduation was a last minute decision which the ticket was bought a day before the flight. And thus, this last minute decision made me ran to few departments for settling the convocation stuffs. 



Recalling back to 3 years, I took the first flight in my life to Kuching, dare not to look back at the airport check point and trying to endure to not let the tears drop. 
And then headed to UNIMAS and did all registration stuffs and all and all, alone.
Though the orientation week was the most terrible event in my life, but that week had brought me huge impact when comes to the convocation few days back.
The moment when stepped into the hall, looking at the grand atmosphere, all the memories from the beginning till the end of these 3 years gushed out and the tears literally roll in the eyes. Thinking of the first day in UNIMAS which actually welcomed all the graduates vehemently and ended this chapter of life in a grand ceremony. It's so meaningful!



The other mission of mine to head back Kuching was to eat up these four local dishes! The Kampua, Kolo Mee, Kuey Chap and Sarawak Laksa are the best of all! Just give em' a try next time when any of y'all reached this lovely place of Kuching. And hell yeah, I managed to accomplish this mission but sacrificed my sleeps. I had only like 10 hours of sleep in 4 days. I am a legend. :)
Am gonna miss Kuching much!



Too, I do miss people there. Friends, brothers, sisters and lecturers, carved much of precious memories in my head and so just please stay. 
To both of our favourite lecturer (my supervisor), Mr. Michael Tinggi, big thank for your exemplary guidance and assisted me to complete my research, thesis. Appreciated.



People are saying life in school is much better than life in working. Is that true?
Both are just theoretical and reality.
I don't mean like, I walked quicker than anyone else, but just, I've seen and learnt much. I had travelled 'overseas' alone, living alone, doing things and handling things alone, 3 years. Yeah?
Working life ain't that hard for person who are always self-motivated, frankly.
In life, I'll stay and wait. In career, I'll charge and fight.

Thursday, October 23, 2014

2019

"Doing a startup was a long journey and I was putting myself under so much pressure by giving such a f*ck about what other people think."
Are you ready for the social pressure?

I am graduated, Bachelor of Finance (Hons), UNIMAS. Yes, 3 years out there wasn't easy, but not that hard though. Reviewing back on these 3 years journey, chapters that I miss the most are those moments where I were once had the companion. Thank You Mei Qi, for accompanied me throughout the ups and downs. I do miss you, for real. Moments with you in my life were the best part of all, I swear!

So when uni-life ends like, without convocation, yeah, Like a Boss!
Just don't ask me why I'm not gonna attend my convocation alright? It just a ceremony by putting a square-hat onto your head and.... photos or Facebook purposes? Just the cert is enough for me though.
Talking about catchin-up with friends, yeah.. for sure I'll soon visit them although in different states. But that's fine, cause this will be the reason for me to travel!

So what graduated?
I know, this sheet of paper just gonna be a 'pass' for me to like go a step ahead of those who don't have it. Nothing much of it. But well, what kind of job or career next?
IF one wants to get rich, I've figured out 3 ways:
1) Be a boss (entrepreneur)
2) Go on slanting stuff
3) Do sales
No money? No boss. Don't do bad? Eliminate second option. Sales? The one and only choice.
Alright, talking about doing sales.
1) Still an employee.
2) Still there are up-line/boss.
3) Still looking at own performance.
These 3 characteristics are exactly similar with a typical employee hiding behind the desk isn't it?
I just don't understand of why humans tend to think by sitting behind the desk and work would be a proper one to generate and accumulate wealth?
Saying about this issue, if you are to startup a business, still you're looking for consumers/customers to buy your products. This is one kind of sales too ain't it?
OR to say like direct sales, selling products to friends or others and earning the commission through then.
Insurance? Loan? any other kind of products representatives? Still receiving commission or to say wages for providing services to clients.
These are all of the illusion of business in society ain't? 
Perhaps talking in way back to theory we all learned in books. Demand and Supply? Give and Take?
The cash flows and the resources providers? The buyers and the products producers?
Clear picture enough?
Sales persons are ONLY act as the intermediaries which to meet up the buyers and suppliers. Meanwhile they DESERVE the wages upon their efforts to make the equilibrium happens.
Sometimes I got my mind fucked-up solely because I don't know why jobs like hiding in office (I call it god-damn-box) only considered appropriate, by slowly climbing up to the hierarchy like Manager? Senior Manager? *what else?* CEO? CFO? Are all these titles are important? Or cash in pocket are important?
Does the title buys you food and fill up your stomach? Or the cash?
Its not like saying all these jobs are not good, but definitely not in my mind, not even consideration. Everyone has different thinking, those are only my shoutouts. Just don't get offended.

As long as the wealth accumulated are clean, that's my ability. I need not those titles not even a single one! 
Of course when talking about gaining experience, there are hell lot of ways out there. You can start up all on your own or follow the guidelines set by others.
Just that things change, guideline might gone outdated.
I prefer go by discipline, REFER to guidelines and MAY come out with the innovative.
But when it fails, take the advices.
Hiding behind the desk is definitely not my type, I dare to walk along with risks. And this is the environment I've always wanted. Fixed and stabled income, not now.

I'll keep fighting towards my goal, my life, my responsibility, my story!

Thursday, June 12, 2014

同学们,下课了。

Friend, Forever
三年前,朋友通知说我名列入砂大时真的不懂要给什么反应,只是继续蹲在墙边涂上洋灰直到放工。
坦白说,当时的心情还蛮挣扎。有大学读是安慰自己去那么远的藉口。未曾坐过飞机,真的第一次飞行还好感觉不错。
三年里,在一个未曾到过的地方,陌生的空气,度过了,熬过了。期间还发生了很多很多的事,经历了很多很多的事。有疯狂的,有糗的,有开心的,有难过的、等等等等...
打球、上课、健身、喝酒、逃课、好的不好的都是三年来创下的回忆。这些数不清的回忆将会在我求学道路上写下句点。
那些加入或退出的人们,感谢!也是我们一起成长的一部分。我们以后再见。
这三年来,在外地的日子多过在家的日子。就算是假期回家都忙着工作不然就跟朋友闹在一起,确实少了很多与家人的时间。接下来,不要再错过家人的点点滴滴了!×让父母早点退休也不错×
虽然说很想赶快结束吞书的日子,但其实还不想离开砂拉越这块土地。这里有我珍贵的回忆和牵挂的。回到原点的时候,我想我会很想念这里的食物,想念这里的球场,想念这里一个人的生活,想念妳。
这些一个人的生活其实没有想象中的那么坏,一个人少了很多负担,不必顾虑那么多,轻松自在也多了很多思考的空间。
只是有时候会想有个伴聊,靠着背什么也不说都好。
只是有时候回想有个岸靠,就陪着她一辈子好了。



过完了三年的课程,唯一觉得收获最大的是各地的朋友,书上的知识也只是附属品。
比起很多人,我的大学生活还算不错。到处游玩之外,还到处吃好的。当然夜生活也不错!
只是这些之后领悟到的是,给青春留一个出口。
真的,觉得青春时期的疯狂总得有个终点。
若是继续疯狂下去,要到几时呢?
人生其实充满很多很多的故事,但总不能把这些故事都留下遗憾。
很多事尝试过,就够了。停!
说下大学比较深刻的回忆吧~
健身了三个学期,成绩不错吧?哈哈!
期间很多中断的,陆续加入退出的。原因,就是不够毅力!
坚持其实比努力可怕,努力是很用心去做但中途可能会放弃,然而坚持是不断的努力直到成功。
另外,第一个学期就开始和另一位死党俩人逃课到旧学院去跟学长们打球。最深刻的是 ”你们会5on5打吗?“ ×笑×
到后来把整个球社都拿过来了。
再来就和朋友到湖边的水上平台,就躺下了,看着满满的星星,放空着,思念着,想着。两次在大学看见流星,第一次在第一学期,第二次是最后学期。许下的愿望希望成真吧!
还有,到不同地方游玩。真的,应该旅行,不是旅游。差别在,旅行是行走看世界学文化听大自然闻社会。有机会,以后还会继续旅行,所谓读万卷书不如走万里路!


想着想着,最舍不得的,是我们之间的回忆,太深也太美丽。我会好好的珍惜.
回头看,要更改的其实数不清。完成了大学生活,接下来就会进入社会学习。
之后大家就回到最初,都会为自己的未来打拼或是嫁人的嫁人?谁知道。
最重要的是十年二十年后大家还记得大家也不错了。







Tuesday, April 30, 2013

回家吗?



朋友们,你们都在讨论政治课题,你们都在关注政治,你们都为马来西亚时事感到热血沸腾,都在呼吁大家记得回家投票。

但请问,你们会回家投票吗?

.....
...
..
.


与其在传出一些让马来西亚人民或种族会争吵会分裂的,为什么就不珍惜这次的机会呢?
所看见的消息只会越来越恐怖,相似整个国家要垮掉那样,不觉得其实我们都不团结吗?所谓不同种族的那股团结的力量不见了吗?闻名世界的那个团结呢?其实这正是内乱的时刻,也是被侵入的最好时刻。醒了吗?

游子们,你们会回家吗?

Monday, March 4, 2013

New Chapter of Life

Yo guys, what's up there?? It's time for me to update some latest status of mine at here. For ya'll information, I've migrated to a new environment in Sarawak, Kuching. There are four housing area Uni Capital, Uni Square, Uni Garden and Uni Vista opposite of my university which normally for students who got kicked out from the hostel. I was staying in Uni Vista which is the furthest distance to my university and migrated to Uni Capital now. It is a very good environment for me compare to the previous one. RM150 each month with Full NEW furniture provided, included utilities fees and most important is that holiday time do not have to pay for the rental. Isn't this is too perfect? haha~ 
 Reasons for me to move are Cheaper rental and nearer to a gym, Iron Hardcore Gym. It is just next to my room now, only a wall separating me and the gym, Lol~

Oops, another information for you guys, I started joining this gym a get a few sifus at there and get the advice and guide from them to make myself bulky. They are serious shit big in size, like hulk? know the hulk? the green monster? lol~~~

Besides changing my living environment, I also making changes on my daily dietary plan. Usually I get up at 9am to prepare my high protein breakfast before start working out at the gym.

An example of my dietary plan on Monday

9 am- Breakfast: Oats + Milo, 2 half boiled eggs (without yolk) = Pre workout protein


10am- Hit the gym until around 11am

11 am- Protein shakes = Post workout protein

12 pm- Lunch: More Vegetables and Meat with sufficient rice (carbohydrates) for a day

5 pm-Dinner: Reduced portion of Rice/Noodles/Kuey Teow (little carbohydrates)


9 pm- Oats + Plan Water, 2-4 half boiled eggs (without yolk)

Reminder: 
  • NO carbohydrates after 7PM
  • Must have enough 8 hours sleep a day for hormone to generate
  • Try to not taking too much of yolks as the latest study shows that taking much of yolks equivalent to smoking cigarettes
  • Workout in gym is to make the muscles torn, so that the muscles able to grow. In order for stimulating the growth, high protein must be consume and the best time to consume is after workout not beyond half an hour (30 minutes)
  • Plan ahead your dietary every day
  • Be sure you are highly determined and never skip for working out even having aches on muscles (it is a good phenomenon)
  • Carbohydrates will transformed in to fats but without carb, your day will be dull and lack of energy. Sufficient carb is good for muscles building. Plan ahead your dietary!
  • Do not starve, once you starve means you are actually transforming amino acids and other kind of acids into energy and this will stops your muscles growing as the amino acids are important for building up muscles tissue.
  • Take weight gainer protein when you want to bulk your size and whey protein when you wanna maintain your muscles.



And yeah, this is the weight gainer I consume, Mega Gain, Goliath. (RM140)

MEGA GAIN™ is a powerful mass benefitting support formula designed to advertize size on the most unmanageable gainers. This powerful formula delivers more protein, calories and amino acids per serving than any other product of it is kind on the market. We emphasize the amount of protein per serving since it is the necessary nutrient that promotes muscle mass. We use only cross flow micro-filtered, cold processed, ion-exchanged whey protein. This protein has a superior amino acid profile and unbeatable bioavailability, is low in lactose and is instantized for easy mixing without a blender. You plainly will not find a protein of this grade applied in other muscle gain formulas. This formula likewise holds a distinctive blend of carbohydrates and amino acids to support fuel and support weight training. Fat, though shunned by some, is a highly concentrated energy source (double that of protein or carbohydrates). Fat is also a necessary factor of all cell membranes, nerve coverings, digestive secretions and, most importantly, hormone production. A diet too low in fats may genuinely impair growth. For these reasons, little amounts of fat are contained in MEGA GAIN™. For greatest or most complete or best possible results, combine MEGA GAIN™ with a sensible diet and intense training program. MEGA GAIN™ may also be added to ISOLOID to heighten size, strength and power.


 This is the size of the protein by comparing to the Tupperware bottle. 

I do sell protein for now at east Malaysia, Supermass- weight gainer protein and NitroTech- whey protein. Do contact me or SMS me for making order. CHEAPEST PROTEIN in KUCHING
Khor : 017-7185101

Till then. Bye!

Monday, December 31, 2012

To the 2013

Great, the last thing that I've done in 2012 was blowing water with friends at mamak and looking at the clock, listening at the Tick-tock-tick-tock, and time stroke on 00:00:00, a new beginning of another year, 2013!!!
-Firecrackers and fireworks were heated up in the air, nice-

On 31st Dec 2012, no more gossips about the end of world, the doomsday, the 21st Dec of 2012. Greetings of new year started sending around, till some of the communication operators like Digi was stunned for some moment when time shown at 12:00 am. Wow? Was that mean human already forgotten the moment when everyone worried about the extinction of human beings, and start to not-that-care about our earth AGAIN? Hmm... we shall see, human.

Malaysia 2013 Budget has been publicly announced in 2012, much comments were about the disadvantages yet some supports the budgetary report. As a Malaysian, what do you think about it? In year 2012, Malaysia government had given out RM200 and RM500 vouchers for particular groups of citizen. Yes, it was true that these vouchers did help lots of them but did the action taken helped the Malaysia economy after all?
This year, 2013 the amount had changed which are RM100, RM250 and RM500 respectively. Comment? Anyone?
In my opinion, Malaysia economy has not been performing well since years ago, inflation occurs around the world, including Malaysia. With these vouchers' existence, Ohgod.. It will actually boost up the inflation but not slower down its rate. It does helps in the growth of some industries, but still the growth rate might not meet the inflation rate. After all, there are pros and cons. What goes around, comes around. Those shall smartly take up the opportunity of this program to generate wealth in February 2013, but not by increasing the prices excessively please. 
Another program is that RM200 rebates when purchasing the listed smartphones. Again, God Bless Malaysia aite! It would be good when most of the citizens are expose to the new technology, but is the RM200 really helps when the listed smartphones are all around RM500? LOL! Shame though. Getting an outdated smartphone will not change any of the situation but only the inflation rate! RM200 rebate actually pursuing citizens to practice more expenditures but not hitting the "aim" of giving this "rebate". More expenditure will eventually related to higher inflation rate in Malaysia.
I guessed.

Anyhow, wishing everyone a Happy New Year of 2013, greater performance for those who are doing business, getting higher wages and position for those as an employee, more lucks for those studying and a good health onward. Close all the 2012 files and start for a new life!

*am looking forward to the greatest drama of 2013 in Malaysia, hoho!*

Sunday, November 25, 2012

HIIT On The Way

Yoyoyo, what's up what's up bloggers~!
This post will gonna be some updates about myself. Teehee!!

Recently I've taken up a HIIT cardio plan...errr, HIIT?? it is High-Intensity Interval Training.
HIIT is a form of cardiovascular exercise which the training session is only in between 9-20 minutes, may vary.This short and intense workouts improve an individual capacity and condition by burning more fats and increase the rate of glucose metabolism. This would be more efficient and effective burning total fats even after workout also it continues burning compared to a constant jogging, it stops burning fats after the workout ended.

In my HIIT cardio plan, I do;
-Quick jog and slow jog both change alternatively
-60 seconds and 120 seconds respectively
-for continuous 25 minutes minimum. 

Followed by some exercises;
-Jumping Jacks/ Star Jumps (quick)- 60 seconds

-Dumbbell Swings- 30 seconds
-Rest- 10 seconds
-Lunge Jumps- 30 seconds
-Rest- 10 seconds
-Quick Foot- 30 seconds          
-Rest- 10 seconds
-Line Jumps- 30 seconds
-Rest- 10 seconds
-Squat Jumps- 30 seconds
-Rest- 10 seconds
 (3 sets for all workouts)

-Jumping Jacks/ Star Jumps (quick)- 60 seconds

If body still sustainable, I will continue with;
-Push up- 20, 15,10, 8 times
-Sit up- 20, 25, 30, 35 times
(but if really exhausted, a simply sit up- 20,18,15,10 times is a must for me)

And of course, to get a better and instant result in a short time period, I do control my intake as well. Consuming low carbohydrates, low fats, avoid fried and oily food, more grains and vegetables as well as the fruits. Stopped the supper habit and practicing no-carb-after-7pm. Eggs, fruits, vegetables are strongly recommended to be consumed as they can last longer in your digestive system which makes you last longer from complaining for hungry.

Anyhow, HIIT is not suggested to perform everyday, unless if your body able to sustain. A simple constant jog can be switched alternatively with HIIT in the count of day. Remember, not letting yourself starve and over the limit of body ability to avoid injuries occur. Once you get into injuries, you shall stop the workouts immediately and please consult doctor if necessary to prevent side effect happens in the aging time.

My worst experience in the first week was the supper matter, it is real hard to control when you are already used to this bad habit. I slowly turn off this bad habit by drinking not concentrated milo or milk. Second thing was about the food as well. Sometimes it is real hard for you to control when you passed by some food stall with all the golden fried chicken, sambal chicken and others which trigger your hunger. No one can help you on this other than yourself, try really hard to control, eat more vegetables if possible and avoid fried food, snacks, soft drinks and some other unhealthy foods.

I've got myself lightened by 5.7kg in 2 weeks time. Although it wasn't a very great amount, but that was in my expectation as I've workout on muscles to maintain the size throughout this HIIT cardio plan and also I kept myself hydrated by drinking more water all the time.

Now, I'm saying bye-bye to the old big belly. So guys, stop procrastinating! Suggestions in my post above are FREE for you guys if wanna get rid off the fats, the belly and heavy weight on your body. You don't need to pay for a single cent and don't even need to say thanks to me. If succeed, thanks to yourself for putting much efforts to grab a healthy body and put into your pocket. Good luck and all the best!

Control in type of food and the amount for every meal, plan the workout wisely to prevent over intensive and then you will get the result, very soon. ^^


Tuesday, November 6, 2012

Protect our home, protect the earth, remain its peace!

      Hmm, a week of mid semester break has just passed. Meanwhile, natural disasters once again attacked the world. People, do pray for the American, the Canadian. Disastrous wind and flood destroyed everything, disrupted the world peace. Sigh... 
     
      Somehow I wonder what would happen on this coming 21st December 2012, some said the world-end-day, some said a 3 days black-out and some say stars will fall into earth by breaking into the atmosphere layer. Hmm... 

      Know what, before returning to Sarawak when I was on my way to the LCCT airport, all the way long  what we can seen was the palm oil trees, the estates all are flooded. The fences are exposed only around 15cm on its top. 2 days rain non-stop, a super great damn big hell lot of birds flew away during a min of rain pause in between. And dolphins were seen in Penang Island.

      What the hell is wrong with humans, why can't they take responsibility to take care of the earth, the nature? STOP destroying the earth even if humans plan to not live in this planet because other living organism needs this planet very much! Please!

      I've got 3 exams left which are all core course and calculation (my weakness), at least 5 assignments, and revision to be done, YET, I still wanted to spend a few minutes right here to invoke terrible people, selfish humans, PLEASE!!! Protect our earth, protect our home, for you, for the next generation, and for all the living organism in this EARTH!!!

      People, Do Love the Nature!

Sunday, October 14, 2012

寄託在歌詞裡的回憶

從小到大不論外表或內在都有很大的改變,一些些的轉變。
二零一二年,來到了人生的第二十一歲。沒什麼大不同,只是身邊多了許多朋友,在外頭過了第二個不在家人身邊的生日。午夜的十二時,被友人侵入,給了個不一樣的生日以及前所未有的蛋膏,之所以叫蛋膏是因為它是由Cream和龜苓膏做成的。還是個米奇老鼠模型。謝啦!

這二十一的生日回憶,就寄託在生日歌吧!

...或許我們每個人都把回憶寄託在歌詞裡.
總在夜深裡習慣著聽著一些經典老歌,回憶了無數的記憶..
從小喜愛聽歌的我都在不一樣的階段喜歡不一樣的曲風..
這讓我更容易回到過去..
童年的天真,叛逆期的時刻..
過去的,或許只能靠歌詞勾起記憶,也只能用來回憶..
現在的呢?倒不如好好地填滿歌詞,寫下美麗的日記?
記載著一首,未來的歌...

Monday, August 6, 2012

坚持了什么

近期来都在自问到底在固执些什么,坚持的又是为了什么..
心里有个心结永远都打不开
“为什么选择这条漫长的路,虽说人生的旅途本来就非常的遥远..”
追求的虽然不是一些遥不可及的,但还是一条必需撞撞跌跌的路..
“一把刀不可能两边都利”, 其实这一点老早就已清楚了..
可是踏上了这旅途,或许也别无选择..

还记得在中学时代当友人们相约去逛街看戏,大多数都是推掉的。那时就会来了一大堆不一样的借口。很不明白的是他们的钱都哪里来的?难道别人的家长都给那么多零用钱吗?还是每次的外出都想父母伸手要钱?很多时候都在想为什么别人家的小孩总是那么的幸福。有哪位不想天天都逍遥自在,而我打从老早就已没向父母要钱了,反而多多少少帮补了家里。
其实我并没有怪谁,怪的只是自己不够努力,没办法挣多些钱。我不想因为自己额外的享受而向父母伸手要钱。所以至今累计下来的工作经验已超越十份以上,也算是一种幸福吧~比起其他人有更多的经验,早些遇见外面的花花世界。

自己要的可能不是最现实的,甚至会让他人失望。最终的选择还是放弃了机会,继续回到该走的路,一条现实的路。但同样的,执着着自己的所谓的原则究竟又是为了什么?有多少位学生都是靠着自己的本事生存的?有多少位学生没向父母要钱的?那,我又是为了什么要把自己弄得那么狼狈?有时会想,自己有本事,就让父母留下多些钱防身又或是当着留给下面弟妹以后的学费吧..我并不是想象中的伟大,或许就是觉得靠自己的一切来得比较踏实而已。

坚持的,固执的,不仅是选择,而是原则。
晚安。

Sunday, July 29, 2012

The Weakness in Humans.

If you realise, you would learnt and see different things from different point of view. Many people saying that humans are unique, but it only happens in certain cases. From what I have seen, I have observed these days, I realise humans are just too tiny and weak, they seem to be helpless in everything. You might have a very great and loud in laughing for this second but what about next? Day and day I've seen a lot of accident happened in highways. Sometimes I wonder if they regret or not for driving in high speed or zig-zag just to arrive the destination earlier for maybe 10minutes? 15minutes? but ended with sacrificed their life, and the passengers. What if those passengers are still young, kids? All of us understand that 10-15minutes could make a big changes in life, but worse comes to worst, you will still staying alive for solving your problems, ain't that? It is much more better than dragging the passengers and end up their life together right? Causing traffic jam is just a small matter, cleaning up the mess in the road also a small matter, but life doesn't give you another chance in this. Driver, please! Take this serious, love your family, think twice before doing so. Control your emotion, stay calm and give your patience on the road!

Another case I've seen was an accident also, but very very light accident. I was thinking why humans can't living life in peace. Let's see from this case which happened days ago. A chinese and malay bumped into an accident, just a little scratches on the door. And the one of them was like scolding like there is no tomorrow, I was like duhh, things that able to solved by money, why need to spoke in that way? Or humans are just too weak in controlling the emotion? Or they might have feel better after raised their volume? I know some of you might saying that if it is happen on me, I might have do the same. Perhaps? But still I think that humans are too weak. Hmm..

But when thing comes to case like argument between couple, who could judge the right and the wrong? Sometimes people saying that argument would strengthen the bond of the relationship, but I think this only happen when the problem solved and achieved the equilibrium point. But why choosing this way for strengthen the bond? Perhaps, humans are too weak to control themselves. What to be persist on and what to let go, who can give the exact answer? And what would be the answer? No one knows. =)

Humans are too weak, they can't control their life, they can't predict what would happen in the next. Appreciate what you have now, and never miss it. Even if you could predict, you might not able to stop it. And this is life. Never let yourself regret of something in the rest of your life.

Wednesday, October 27, 2010

19岁开始贷款念书,26岁已经负债累累


(吉隆坡22日讯)首相兼财政部长纳吉日前于上星期五推出的2011年度财政预算案虽然拥有华丽的包装,但是事实上它能不能够确认出大马目前最真实的经济问题呢?看了一名26岁的大马年轻博客卡维兰(Kavilan Nakaswaram)所写的文章后,你可能会觉得这个预算案其实根本没有点出时下年轻人的困境。
时下的年轻人:19岁开始贷款念书,26岁已经负债累累
卡维兰在念完中五之后就进入大学,19岁开始贷款念书,毕业时已经是22岁,在工作了4年后,卡维兰表示自己还是深处债务之中。
“从19岁开始我就欠债了,我相信很多大马青年也和我一样,为了就读高等教育学习被逼贷款。我来自一个中等收入的家庭,开着的是一辆二手的国产车,每个月我必须缴付保险费,以确保当意外发生时至少我可以死在一个温暖的床上。”
“最精彩的部分来了,我打算在几年后结婚,所以我需要更多钱,成了家之后我又需要买一间房子来让我的妻子和小孩住。问题是,我并不能在巴生河流域一带找到一间便宜的房子,因为这里的房价都超过35万令吉。假设我弄到了5万令吉来付房贷头期,但是我仍然需要在未来30年里偿还30万令吉的贷款。这还不包括汽车和国家高等教育基金局(PTPTN)的贷款。最后,我变成了一个负债累累的人。”
为了满足基本需求,不得不贷款
“这是一个进步国家的青年应该有的命运吗?我深信许多大马的年轻人都面对跟我一样的处境,20岁之前就负债,50岁之后也未必能偿还所有贷款,这不仅让我怀疑我有生之年是否能够好好地享受自己的劳动果实,还是必须把这些辛苦赚来的钱都还给银行呢?”
“政府也许可以计算拥有房子和车子的人数来作为人民成功的衡量指数,但是他们是否有将‘快乐’纳入数据里计算呢?我觉得这些债务让我很压力,我并不觉得快乐,最重要的是我不认为自己可以逃离这一切。”
“让我们从头开始分析吧。很多人都无法进入国立大学,于是他们必须借贷来继续在私立大专深造,这让他们年纪轻轻就负债了。如果他们选择不继续念书的话,他们的工作机会和待遇将会非常低,这是一个恶性循环。至于房屋,我现在赚的钱是我父亲在同样年纪的时候赚的两倍,但是我却依然无法购置属于自己的房产。我父亲在30年前以11%的银行利息来买房子,今天的银行利息虽然是4%而已,但是我却没有能力购买房子。为什么呢?”卡维兰表示,这是因为房屋价格不断上涨。
生活的素质在哪里?
“有多少人是没有债务的?我说的不是卡债或那些为了满足物质需求而欠下的钱,我说的是人的基本需求:教育、房屋、医药和交通。生活就是生存,有谁可以大声地说自己不是为了生存而工作?如果你须长期塞车、努力赚钱来请帮佣为你打扫房子,而你和另一半都必须工作的话,你的生活素质在哪里呢?”
“我们有多少时间可以坐下来和爱人好好地聊天?事实上,我们被困在这个循环过程里了。不要说我的文章没有数据的支持,我不需要数据来告诉我现在的生活是怎么了。我们是刚刚开始生活的年轻人,但是压力已经把我们压得喘不过气来了。”