"Jino. What is your objective here? Do you work here to gain experience? Money? Part time while waiting for studies? To get promoted? Where do you see yourself in this company in the days to come?" asked my line-manager on my 5th day of answering calls.
"I have something in my mind but it's still too early to disclose. I need more time before I can take my stand. Give me 4 months and I will get back to you."
Certainly, I know what I want from this job. No doubt I will be there in 2 years. Wait till the right time comes and he will know my decision.
林宇中
It's not easy to forget a person one used to like. A special song dedicated to Nicholas Tang. Is he thinking what I am thinking (if he can understand)?
Investment
Imagine I have a habit to save MYR 1,000 every month. Besides spending on food and shopping, is there any suggestions on investment? The amount is very little, I understand. Maybe it's too early to talk about this. Yet I appreciate any recommendation that can put the money into good use.
Credit card
I see credit card in many good ways to improve quality of life and the convenience a card made of plastic provides. At the same time, I observe the hazardous sides of the card which have jeopardized many families. I can't help to wonder if I am sufficiently educated to handle the card. The application form has been filled in as I am seriously interested to obtain one. All that is left is the gut to submit the paper.October
September is coming to an end. A wallet which can fit 3.5"X2.5" photo is perfect to grace the month. Perhaps Nokia 5800 XpressMusic will do a fine job too.
[Jino] - A man's not a man unless he knows how to shoot
You won't know if you don't try. Get a friend on board to monitor your spending habit with the credit card if you are not sure.
ReplyDeleteUse a Debit card first. That's my suggestions. It merely means that you're spending the money you have in hand instead of spending the money you've not got yet. It'll be a safer card.
ReplyDeleteJust my 2 cents.
dude, set the credit limit of ur credit card to very minimal. don't ever spend beyond ur earning ability. it is disasterous. anyway, i guess u can manage it very well from the past record of money spending.
ReplyDeleteInvestment wise, there are many investment tools and products in the market ranging from low risk (eg. FD) to high risk (eg. share). It depends on ur personal requirement and risk profile. Saving is important before u can step into investment world.
-my 2 cents-
1stly, if u want to invest,try ASN or u could get a property and rent it out. Try to get flats/apartments where there are unis nearby. Just make sure that u do ur homework 1st before agreeing to invest,read the business section of the paper.
ReplyDelete2nd, I prefer to use Debit cos u don't have any debts to pay and can monitor the usage better.
Lastly, I thought u wanna get a watch?
Hey dude,what's the english title of the song that u posted...
ReplyDeleteA fresh grad saving 1k per month is quite a handsome sum!
ReplyDeletehmm... 1000 a month... Don't forget u still owe me the...
ReplyDeleteHAHAHA. I understand what u say. Dont worry.
ReplyDeleteDebit cards is still fun for me, but I think for someone like me, credit card will be more fun!! But I don't trust myself, so I didn't get one.
ReplyDeleteUnless, someone sub one for me!! Haha!!
And anyway, why all the superiors will always ask that kinda question to the newly employed staffs? I hate that, I will always want to keep that answer to myself and surprise myself and everyone in the end...
I love Rynn Lim's new song! Searched for it straightaway the moment I heard it on radio weeks ago. Congratulations on your graduation and happy working! :)
ReplyDeleteCredit card is both my friend and enemy but definitely useful.
ReplyDeleteSave myr 1000 is good. I am also using credit card but with the work I have now, I use it for petrol and sometimes grocery.
ReplyDeleteCurrently using nokia 5800 express music... ok but I think better buy a iphone 3gs or 4 if you got the cash.
legolas: i am not worried at my lust or my spending pattern. "hidden charges" are what bothers me a lot XD...
ReplyDeletegreg: debit card? i cant pay bill or do online purchase with a debit card, can i?
chu: ya lor set credit limit to minimum. i have yet to read the investment website you gave me lol
ichi: property? probably i have to wait till 30? i dont like debit cards. there are limitations on what a debit card can do (correct me if i am wrong). i want to buy myself a watch, yes. but i am waiting someone to buy me a wallet or phone XD. there is no english name for that song. not yet...
william: i wish i can save 1500...
bern: yes dear i have not forgotten the deal. but i have forgotten how we got into that agreement...
nicholas: you sure??? omg you can really understand me ^^
rebecca: banks have many ways to earn your money. in the end you yang rugi to bank hahaha. and i think bosses need to know our expectation. mutual understanding, you know? but i dont like that >.<
little dove: i have not developed feeling with the song at the moment, unlike his previous songs. not going to buy his new album. not happy with my work at the moment...
twilight: supp 1 card to me ^^
yin koon: saving of coz good la. janji jangan take out the savings then ok jor. i am thinking of credit card for petrol too. i change my mind. not going to spend on hp (as someone promised to give me a N96).
[Jino] - A man's not a man unless he knows how to shoot