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Thursday, 11 July 2019

I'm still alive and well!


And no, I did not bust my trading account.

LOL!



What I thought was a 1 month break turned into  3.5 months!?

Now that's how we know we are having fun!

When we totally lost tracked of time...



True?








Monday, 1 April 2019

The 2 species able to manipulate and change our environment


Of course we humans are one of the two species on Earth that can manipulate and change the environment we live in.

Just look around and you can easily see how humans can totally transform our natural habitat the moment we decide to settle in a place.

Can you guess which other species of animals cando what we do?

This one definitely not in our school syllabus!

I'll give you sometime. When finished, you can scroll down and see the answer.


























Its the beaver! 

Did you guessed it?

The beaver can turn a little stream into a pond by building a beaver dam.

Pretty much like how we clear the land to build human settlements. Wink.






In Japan, women who prioritise their careers face a lot of obstacles. These women enjoy their craft, have dreams of their own, and do relish being financially independant (no need to depend on husband/father).

Like the beavers, the strong-willed ones will create their own environment by starting their own companies. Little startups with like-minded women employees as the majority. And no, you don't have to pour tea for your male colleagues!  



Its not new. 

In Singapore, the old Chinese Nantah graduates and the no study; no paper school leavers shared a common fate - being treated 2nd class in a England speaking first environment.

The more defiant ones will not play by other people's rules; they jumped to the deep end by creating their own "environments".



In our community, I've notice there's one "beaver" I quite like and admire.

Starting out as a freelance self-employed tuition teacher, he had to brave Singapore's harsh weather and take public transportation to his students' homes.

Sometimes already on the way students may suddenly cancel lessons at the last minute... 

What to do? Everyone has to pay our dues starting out. Ar ber then?

Then a wonderful thing happened. He got married. 

Yah, got woman dare to marry a guy with no formal job, no CPF from employer, and no health and dental plans for immediate family members!

Bought a HDB 5 room resale flat for their love nest.

Convert one bedroom to be his "SOHO" (small office; home office). Now students come to the mountain. 

Productivity increased. Can teach 2-3 students at the same time or charge more for one-to-one sessions.

Time saved on travelling can now be used for preparing lessons or spending with people that matter.



All the examples above are alternatives to the - when I have X, then I'll do Y goal settings adopted by so many seeking to escape...

Come on. We all know its can be one of those little lies or excuses to kick the can down the road once again!

Wait! I can't start Y now... I've not achieved X yet!!!








Sunday, 24 March 2019

Does it matter WHEN we retire?


My time, it was fashionable for some high achievers to muse about retiring in their 40s.

These people are usually doing very well in their corporate career earning high incomes.

It wasn't difficult for them. 

Just start saving a bigger share of their high incomes, then convert them to dividend stocks, bonds, or rental properties and they can retire... Yeah, just like that!

Investing acumen optional.



Now the youths of today seek to be financially free by 35. Power!

Imagine leaving university at 22 or 24, and in about 10 to 13 years, you have earned and saved enough money to last you till your 90s!

Still don't believe the power of youths is they don't know what cannot be done?



That's only the money part.

Often when we have achieved whatever we wanted, we begin to have second thoughts...

We all had this experience before right?

That girl you always wanted. When you finally had her, you begin to question were you really into her in the first place...

Or that "toy" you always wanted. You know, that luxury watch you saw others having, you tell yourself when you arrived you also must have! Then like that lor... No feeling when you have it. Now it sits quietly in the drawer. Long time never wear...



Remember when we were in school, one year seemed like an eternity?

And if you failed your exam and have to be retained, one year lost and behind others is a BIG GAP. Or so you thought... 

Then there are men who complained about National Service... How they have lost 2 years compared to girls. Wow. Really? 

Girls, besides giam siap gui men, stay away from these whiners too. What kind of men will use NS as an excuse for losing out to women in the corporate world!?



Funny thing though. Once we are in the corporate world, time pass super fast!

Before we knew it, decades just flew by...

And being stuck in the same job for 10 years is normal to you.

1, 2, 5 years difference? They don't matter now. 

Especially when you see your peer "wastes" 2 years taking sabbatical to study MBA fulltime, come back got promotion; you still doing the same job.

Your junior took up the challenge to work overseas for 5 years, come back now at a higher payscale than you; you still at the same payscale.



Precision is good. But too much black and white can give you depression if you too anal about 2 decimal places.

Would you be happier if you had achieved your financial freedom goal to retire by 35, but go sell salted eggs a few years later? 

(In our community we got that self-styled guru who wanted to create lots of millionaires and the investing doctor who sold his business. Financial freedom is not a free pass to immortality...)

Or is it that bad if you had missed your financial freedom goal to retire by 35 and only able to retire at 50? You know, the more you planned, the more things backfired?

But you get to live to your 90s and beyond? Like lao lee and Mahatir?

I personally think Mahatir must be smiling to sleep every night. He has outlived his political rivals for the win!



I don't know. 

I would love to live till 90 and beyond, provided I'm in good health. I've this greed to enjoy life!

However, If invalid or in pain, I would much prefer to go as quick as possible! 

And if the doctor says I got one more year to live, I'm mentally and spiritually OK too. 

You know what?

Right here, right now, I'm OK (typical Singaporean response). I have a reason to get up every morning.

I don't have to worry who will take care of mom and dad as I have 2 others siblings to take over. 

What I have can be gifted to them to lighten the load, at least financially speaking.

Sometimes I do pinch myself.

Am I lucky or what?














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