Let's start the new year...

... with a quick selfie~

The new year starts with the price reduction of kangkung. Bravo Malaysia government!!! Our lives depend on kangkung!!! Very soon your kangkung scheme will replace our MYR currency.

Thailand is politically unstable at the moment but who knows what will happen in April? Hopefully every thing will be fine during Songkran. What're my targets in Songkran? I don't have to tell, do I?

Starting 2014, my job description has a drastic change which I doubt I can cope. From a normal customer service consultant I evolved into many other roles, mostly unwillingly. If I may say, I currently deal the tasks of a team manager cum trainer but the company pays me slightly higher than new hires who work here lesser than a month. When I say slightly it means SLIGHTLY higher than a new hire. Not to mention the pay cut starting 2014 in lieu with the company global standards lol. And then Malaysia government announced the price reduction of kangkung!!! Wow so much oh "help"!!!

I find life is so difficult, especially the iPhone 4 is constantly showing its tantrum. And then gym membership which I promised myself since 2012. Which is a better show off? A good body or a good phone? Dilemma.

Not that I have any financial difficulty I cannot afford both. I just find life is depressing at times. Just need someone to pat my back and give me encouragement to continue my life. Now I am done with my random rant. Signing off~

[Jino] - A man's not a man unless he knows how to shoot

The day I fear most...

... is pay day!!!

Knowing a large amount of funds into your account and aware that the funds will be gone in couple of minutes just scare the hell out of me!!!

Like my boss says... We have never hold that much of money. The country does not hold that much of money. Money is just a figure easily manipulated and illusion in this modern world. And what we mostly do in our entire life is to complete the illusion game.




[Jino] - A man's not a man unless he knows how to shoot

Orange is not my favourite fruit. Nor it is my favourite colour.

English name: Little Oren

Chinese name: Oren 仔

Never in my life have I borrowed so much money to buy a thing I thought is not so useful in the past. If my old Saga has not reached her end, Little Oren would not come into picture.

Most will see him like an apple more than orange. Some say Little Oren blushes. Some even commented Little Oren overly sun tanned. Whatever you think about him, he is my Little Oren. He is my partner worth MYR 48000.00 for the next few years.

If you see him on the road, please say hello~

[Jino] - A man's not a man unless he knows how to shoot

Core leave II

Related post:
Part 1, Part 2, Part 3, Part 4

April is the popular month for working adults. Similar to previous years, this is the time when we have to prepare and submit individual income tax return form. For 2012 individual income tax, the last date to submit the individual income tax return form is on the 30th April. Just one more week!

This is my first job after degree and also the first year I filed my taxation. To my surprise, the amount is a bit too much to my liking. I haven't have a choice.

I am lucky enough to get a lot of tax reliefs stuff for rebate otherwise I will curse around.

[Jino] - A man's not a man unless he knows how to shoot

Financially upset

When one faces financial problem and feels uncertain about his money, he will gradually go into denial. That is when every second is an emotional and monetary burden. While PTPTN has enslaved many of my peers upon graduation, I am grateful that I have yet to worsen my debt with a car loan.

While my family and sozai disagree kao kao, I strongly believe that the multicash savings plan that I signed up recently will benefit me in future. Save RM6000 annually for a decade and interest will accumulate to the age of 70 (wonder if I can live that long). By doing so, they claim that I 'freeze' largely of my cash from unforeseen circumstances. I couldn't agree more with that. 

However, I understand anyone who puts 100% of their money into a single investment is asking for pain and anguish. Two components combine to create an allocation plan; financial situation and risk. The kind of change that can trigger significant allocation changes are disability, critical illness, employment or income change, and more. Unless one of these changes significantly, there should be only modest adjustment in allocation. I may be poor in finance management, I am not close to a level so crazy that I leave myself cashless. Though not stable at the moment, I am confident that securing my financial future is achievable in time to come. On top of that, the savings comes with small insurance features. The definition of insurance is too general to describe but if I die today, I will at least not burden my parents with my existing debts.

And I am desperately looking for a part time job with super flexible work time. The commitments are killing me away. Seriously, I am bad with financial planning.

[Jino] - A man's not a man unless he knows how to shoot

28 September 2010

Objectives

"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

When money plays its trick

8th April 2006, an unfortunate, costly event occurred. The RM 300.00 given by my mother which is supposed to be used wisely, is now gone, nowhere to be found. The large sum of money consist of my tuition fees, LRT fare and also my allowance. The RM 56.00 Amy gave me a day before that was lost as well. Without any idea of where I have put it, I searched every corner of my house. From drawers to cabinet to dust bin to refrigerator, the money is gone without leaving a single clue. I made an immediate report to my mother. She did help me find, but you should know what the result is.

I thought the money will reveal itself after a few days, just like my pen and eraser always do. Waiting anxiously for a week, it seemed that the money had disappeared. Initially I have no idea of what to do. My mother approached me and asked some questions which really hurt my feeling, even now. The questions were “Did you embezzle the money? I don’t understand where are the jig-saw puzzles, Starbucks, Streamyx bill come from?” Her questions stunned me for a moment. She suspected me, my darkest fear has come. She said I misused the money to pay back my friends whom I owned. I thought I am a loyal and trustworthy son, though sometimes I lied to her bout my homework and extra school holidays. Being torn apart by confusion and enragement, I do not want to explain myself (“Do not explain yourself”-Conrade during FRIM trip). I wish my parents or brother would have found the money rather than me. If not, I will face them with even extremely doubtful look.

12th April 2006 is the day when I think this problem must be solved at once. After planning a budget for April and May, I decided to withdraw 30% from my bank savings to cover up the money loss. This action disrupts my original plan to buy an mP3, spectacles and more jig-saw puzzles. The money does not worry me much, the relationship between me and my family does. After the incident during Chinese New Year, our relationship is quite bad. I do not want to point a finger to anyone, I do not want to think if there is any thief among us, I do not want to suspect anyone. I prefer to take this as my own carelessness, my own responsibility of failing to take care of my own properties, my own fault. And I swear not to simply place my money, I will not expose my money or valuable items to anyone. And I want to say sorry to Amy as well. I lost your money, but I had it replaced.

[Jino] - A man's not a man unless he knows how to shoot