觉得风水是很真实存在的。
有的时候我会发觉村里喜事一宗接一宗，别个时候我会觉得村里丧事一宗接一宗。就好像有时公司会吹升职风，有时吹辞职风，吹恋爱风，或吹生孩子风，等等。这好像都不是个别一单的，好似上天刚好有什么相关的神仙路过显灵一般。
晴有时，雨有时，平安太平，天灾人祸也有时；
高有时，低有时，富贵贫穷，忙碌闲暇也有时，
激情平淡，快乐悲伤都有时，就所谓风水轮流转嘛。
所以不要以为美国可以独霸不衰，中国可以无尽成长，房价股价只会往一个方向走。哪个人会永远贫穷？哪个人会永远富有？；哪个经济会永远成长？哪个经济会永远衰退？；那个品牌会永远受欢迎？哪个品牌会永远没落？；谁会一直赢？谁会一直输？
风一直在吹，而风向一直在变。只要留得青山在，就不知道有哪天什么风会往你这儿吹呢！
Saturday, March 31, 2012
Sunday, March 25, 2012
谁是皇帝？
何谓皇帝？
皇帝就是想做什么就可以做什么的人。那么说皇帝是自由的象征？
那什么是自由？
是否所有欲望都能被满足就代表自由了？还是放下所有欲望才是自由了？
皇帝带领着历史前进。那么说皇帝是影响力的象征。
是向善的影响力呢？还是邪恶的影响力？
皇帝是至高无上的象征。那么说皇帝就是法律？
他可以随意编写法律。他可以任意执行法律。
皇帝是无敌的象征。那么说皇帝也是寂寞的象征？
因为无敌最寂寞嘛。
就自由，影响力，至高无上，无敌而论，
你是皇帝吗？是怎样的皇帝呢？是好皇帝还是不好皇帝？
在你心目中，谁是皇帝？是怎样的皇帝呢？是好皇帝还是不好皇帝？
皇帝这两个字对我来说太过沉重，背负着太大的压力与责任。
我选择中规中矩就好。不太好也不差是也。
皇帝就是想做什么就可以做什么的人。那么说皇帝是自由的象征？
那什么是自由？
是否所有欲望都能被满足就代表自由了？还是放下所有欲望才是自由了？
皇帝带领着历史前进。那么说皇帝是影响力的象征。
是向善的影响力呢？还是邪恶的影响力？
皇帝是至高无上的象征。那么说皇帝就是法律？
他可以随意编写法律。他可以任意执行法律。
皇帝是无敌的象征。那么说皇帝也是寂寞的象征？
因为无敌最寂寞嘛。
就自由，影响力，至高无上，无敌而论，
你是皇帝吗？是怎样的皇帝呢？是好皇帝还是不好皇帝？
在你心目中，谁是皇帝？是怎样的皇帝呢？是好皇帝还是不好皇帝？
皇帝这两个字对我来说太过沉重，背负着太大的压力与责任。
我选择中规中矩就好。不太好也不差是也。
Tuesday, March 13, 2012
Accumulating good 积福
I always think that living in this world, we must do good to this world. We need to contribute, and do charity.
Beside accumulating wealth 积财，most importantly we need to accumulating good 积福。
Therefore I join world vision to sponsor a child today and sign up to become a volunteer. By monthly contribution, I can accumulate good by helping those who needs in poor area. World vision will then pooled all the contribution together and use the money to improve the poor area living condition by building basic facility so they can access clean water, health centre, and education. I want to visit some of the poor area if there is opportunity, to understand more.
I feel that although my contribution is small, but my contribution is meaningful to the poor and also to me.
Beside accumulating wealth 积财，most importantly we need to accumulating good 积福。
Therefore I join world vision to sponsor a child today and sign up to become a volunteer. By monthly contribution, I can accumulate good by helping those who needs in poor area. World vision will then pooled all the contribution together and use the money to improve the poor area living condition by building basic facility so they can access clean water, health centre, and education. I want to visit some of the poor area if there is opportunity, to understand more.
I feel that although my contribution is small, but my contribution is meaningful to the poor and also to me.
Saturday, March 10, 2012
Irrational behavior
As long as involve free market, in the name of supply demand, there will be bubble and burst, with volatility along the way. Unless, it is intentionally controlled by government, in the name of stability.
Human being is emotional. When the price surge pass certain threshold, it become uncontrollable, and price go up like crazy. In the same way, when the price down pass a certain threshold, people become panic and price go down like crazy too. The threshold is the tipping point of epidemic, spread through every corner without miss. It is such a danger. But unrealized, people is such irrational creature. Rationality is such a boring game and bring no hope for our urgent needs. Imagine if you tell a poor guy there is no hope to get rich, but can improve his life if he follow a 20 years plan. I reckon that he rather go buy jackpot everyday. In that case, he can has hope everyday that when luck come, he can get rich instantly, even though he may incur huge losses over 20 years if he don't hit jackpot, which is a lot more likely.
Yes, instantly is the point. We all live in a boring world. If we could not create excitement, our energy will slowly drained out. If there is no short term hope, we cannot generate motivation to move on. Very few people can look at a long term goal and work silencely toward the goal. We all need to complete short term goal, one by one, it is like fuel, give us energy to move on step by step to accomplish our long term goal.
Market is suppose to be a place to determine price where people who trade has different needs, different view, but poccess same level of information. everyone is rational and will not influenced by other people when making decision. This is ideal situation. When speculator and gambler come in, it's like stone throw into the water and create splash and wave, they create volatilithen and when the stone become too big, the volatility can become Tsunami!!!
Human being is emotional. When the price surge pass certain threshold, it become uncontrollable, and price go up like crazy. In the same way, when the price down pass a certain threshold, people become panic and price go down like crazy too. The threshold is the tipping point of epidemic, spread through every corner without miss. It is such a danger. But unrealized, people is such irrational creature. Rationality is such a boring game and bring no hope for our urgent needs. Imagine if you tell a poor guy there is no hope to get rich, but can improve his life if he follow a 20 years plan. I reckon that he rather go buy jackpot everyday. In that case, he can has hope everyday that when luck come, he can get rich instantly, even though he may incur huge losses over 20 years if he don't hit jackpot, which is a lot more likely.
Yes, instantly is the point. We all live in a boring world. If we could not create excitement, our energy will slowly drained out. If there is no short term hope, we cannot generate motivation to move on. Very few people can look at a long term goal and work silencely toward the goal. We all need to complete short term goal, one by one, it is like fuel, give us energy to move on step by step to accomplish our long term goal.
Market is suppose to be a place to determine price where people who trade has different needs, different view, but poccess same level of information. everyone is rational and will not influenced by other people when making decision. This is ideal situation. When speculator and gambler come in, it's like stone throw into the water and create splash and wave, they create volatilithen and when the stone become too big, the volatility can become Tsunami!!!
Wednesday, March 7, 2012
Every employee can retire before 72years old
For those people when they know that they need to become millionaires to be able to retire, they are too scare that they will not be able to retire for the rest of their life. In fact, everyone can retire at 72 years old with ZERO saving, only depend on EPF saving.
This is under reasonable assumption of Malaysia case of 3%inflation, 3%income growth, and EPF return of 5% average.
Those who interested can email me at ta000236@yahoo.com to do a free retirement planning.
This is under reasonable assumption of Malaysia case of 3%inflation, 3%income growth, and EPF return of 5% average.
Those who interested can email me at ta000236@yahoo.com to do a free retirement planning.
Thursday, March 1, 2012
Retirement Plan is a Must
If you are have a define benefit pension plan, which mean the pension sponsor pay you every month after you retire until you die, you are very lucky, you are better than most of the people out there because you can live as long as you can without financial worry. In Malaysia, only government servant has the privilege to receive their pension every month until they die.
However, most of the people working in private sector. They have their pension fund as define contribution plan via EPF in Malaysia, where employer and employee both contribute certain amount to the their pension fund account. The contribution stop when they stop working. It is ok if they have high salary, and can plan properly thorough the rest of their live for another few decades. To most of the people, they do not know how to plan and spend their retirement fund within few years. After they finish their retirement fund, they have to either die or to work again.
Most of the people do not know that they need to be more than millionaire to retire to support their golden few decade years. They do not feel the urgency and thought become millionaire is a sky high dream. They do not plan for retirement.
It's in tradition that they thought they can depend on their children to support them. But, as the population growth, job competition grow; as technology advance and process become automated, less people is needed. It is getting tougher and tougher to get job in the future. Their children will have difficulty even supporting themselves alone.
However, most of the people working in private sector. They have their pension fund as define contribution plan via EPF in Malaysia, where employer and employee both contribute certain amount to the their pension fund account. The contribution stop when they stop working. It is ok if they have high salary, and can plan properly thorough the rest of their live for another few decades. To most of the people, they do not know how to plan and spend their retirement fund within few years. After they finish their retirement fund, they have to either die or to work again.
Most of the people do not know that they need to be more than millionaire to retire to support their golden few decade years. They do not feel the urgency and thought become millionaire is a sky high dream. They do not plan for retirement.
It's in tradition that they thought they can depend on their children to support them. But, as the population growth, job competition grow; as technology advance and process become automated, less people is needed. It is getting tougher and tougher to get job in the future. Their children will have difficulty even supporting themselves alone.
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