Posts

首投族

其实,我已在十多年前注册为选民了,但今年只是我第一次投票,我算是个可笑的首投族吧。 在我注册为选民之后,有过了两次大选,我都没有投到票,第一次是因为投票系统太烂了,而第二次是想到第一次的经验而放弃,让我来分享我第一次的烂经验。 那算是有十年前的事了,当时网系网络不发达,所以我们无法通过上网来查到我们投票的地区,而第一次投票的我也不知自己该到哪一个投票站去,就跟妈妈到了她的投票站看,可是我的名字没有在那投票站,我也不了解为什么同一个地址,却不在同一个地方投票。 之后,有个叔叔载我到了另一个投票站查查,可是还是找不到我的名字,让我有点气馁了,当那位叔叔说要再带我到另一个投票站时,我马上拒绝了,我决定不投了,因为不知道我要去多少个站才能看到我的名字。 现在,科技发达了,所有的人能够通过上网来得知自己的投票地点,少走了很多冤枉路,有了这一层的方便,所有的人应该没有借口对投票说不了吧,投票是每个公民的义务,国家的未来都是掌握我们每一个人手上的这一票,我们应该慎选明君,为国家挑出最好的领导层,这样我们的国家才能够成长。 这次,我不再投废票了。 SPR 网站:  http://daftarj.spr.gov.my/semakpru13.aspx

When is general election?

8 March 2013 has past, but our PM still hasn't announced our general election date and all people of this nation are waiting for the date announced, now I found that I got a strange habit recently as I like to search for "Malaysia general election" keyword in Google webpage, I did it almost a few times a day since two weeks ago, but no result still. Today when I search the same keyword, I found that a news that Google launches Malaysia election page to include all related topics on our general election, this sound like actually a lot more people are like me searched for news on GE13 everyday, that's why Google is so nice to create this site for poeple to read for news. Time passing fast and we are closed to April soon, will our PM announced date of GE13 on April Fool? Google page for GE13: http://www.google.com.my/elections/ed/my News source: http://www.themalaysianinsider.com/malaysia/article/google-launches-malaysian-election-page-as-ge13-resource Google ...

retirement

Long time ago, a friend told me that she need to own at least two properties before retire, one is landed and another one is condominium, and she said that she will stay in landed house when she is young and rent out the condominium. After she retire, she will sold her landed property and move in to condominium, because after she retire her landed property will appreciate that can be her retirement fund and she is old then that she needs to move to smaller size property. After listened to her speech, I quite agree then, but I wonder if I bought my condominium at 30 years old and I retire at 60 years old, my condominium will be quite old that time as well, I am not sure how my condominium will look like that time or will it still exist? Anyways, this is still a good plan for people who want to plan for the future retirement, at least everyone need to think further for a comfortable retire live.

参观新居

等了好久,终于等到拿新居锁匙的时候了,先见客服人员,她为我们讲解新居的细节和保证期的事,也给了我们新居入伙要用的文件,一切看起来很有程序,这是很不错的客服和系统。 之后,就到我们的新居看我们的新居,加验收,负责人使用了每一个电路和水源,确保他们是能用的,之后陪我们绕了一圈,讲解些我们需要知道的事物,然后我们找了些缺失,需要他们帮忙改进的,其实这也只是在短时间里找到的,我们之后还需要再仔细的看看。 虽说有缺失,但我们还蛮满意的,发展商使用了还蛮不错的材料与还算不错的手工(至少比我们的第一间家好了),我还蛮喜欢它的浴室,那是我最满意的产品。 另外,我本来认为在大热天验收屋子会非常闷热的,但当所有的门窗打开时却不会觉得太热,或许他们有不错的通风设计吧。 其实,我们有在前个周末去参观了我们的新居外观,由于有保安看守,所以由旁边的路跨了进去看看,当时还觉得好像谁都能进入的感觉,然而今天在读重游,发现发展商已经装上了围篱,人们必须要有帖子才能进入,突然觉得安全指数升高了。 整体来说,其实还蛮满意的,缺失每个发展商都会有,所以我们也不能太过挑剔,只有尽量找出缺失提出补救,但是要有素质的建材和不错的服务却是难能可贵的。

The company you bought

I read an article about investment recently, it said before you make a decision to purchase a stock from stock market, you need to know the company well because this will decide whether you can earn money from stock market or not. Purchase a share means that you will become a shareholder of that company, you will success if the company earn money, else you will lose money on that. Therefore, it is really important if you study well on the specific company you bought. After reading the article, I tried to find some companies' annual report for understanding, they are really boring documents and hard to finish them. However, what you earn depends on what you study, therefore I really need to spend sometime for that. This morning, I made my mind up and search for listed companies in Malaysia for my first step of learning, wish I can spend my spare time to study them and hopefully I won't end up with giving this up.

我的第一份股息

今天收到了我人生中的第一份股息了,只有 RM17.50,因为我也只买进一点点,虽然不多,但却满意,原来能够赚一些外快的感觉还蛮不错的。 今年,算是受到一位朋友的影响,一直说人要学会钱赚钱才能,因为我们的加薪是永远追不上通货膨胀的,所以应该为自己找出一条理财之路。看了些文章,说致富有三种,一是自己做生意,但我又没有资金,也不知道自己喜欢做什么生意,所以就不选这条;二是投资有潜能的房产,但现在的房价高起,有点感觉投资恨晚,所以也不太感选这条;三是投资有潜能的股票,虽然去年股票已起了一轮,但市场还是有很多选择,所以我就开始阅读相关的质料,希望能够恶补这些年所浪费的机会。 最近,读了篇冷眼的文章,说投资股票的三大原则,保本、成长和股息,我的心态也是这样,最主要是保本,而成长和股息之间,又要视情况而论了,如果我能够预知这只股成长迅速的话,我当然选择成长,但有时真的很难预知,而我又是打算长期持有的,所以我会优先选择股息。 那天,我还和梁争论,是把钱放在房屋贷款好,还是放在投资股票好,如果所投资的股票是能够保本,又有比贷款多一巴先的股息,其实投资股票是比较好的。但是,投资股票是高风险的,如果不小心的话,我们也有可能会血本无归呢,一切要小心为妙。 很多人都在等待大选的来临,因为据说那是进场的时机,我也不晓得是真是假,那就只有拭目以待了。在投资股票这一块,我还有很多要观察的。

有意义的team building

今早,我们的team到The Cerebral Palsy (Spastic) Children’s Association of Penang去team building,帮他们翻土种菜,之后负责人还让我们看了有关他们的中心的短片,看他们如何帮助痉挛儿童,让他们学会如何适应和尽量克服自身的障碍,看完了短片,开始觉得我们所付出的很有意义。负责人说他们需要义工来adopt the farm,帮他们定期的照顾菜园,我的manager看样子有点兴趣(原来他也蛮有爱心的)。 在帮忙处理菜园时,有一位儿童还蛮喜欢靠近我的,不时就来牵我的手,我当然知道他并无恶意,所以也不介意,尽量给于配合,或许他在我身上感觉到母爱吧:P 其实这算是缘分,只是我觉得我没有处理得太好,我当时是蛮拘谨的,不知该如何应付,只是一味配合他的需要。如果下次还有机会遇到类似的事情,我应该多给予交流的机会(虽然我不知道该如何开始交流)。其实,儿童们也只是希望能得到人们的关爱,我并不介意为此而付出一些。 也许是年纪大了,也开始觉得有时该为社会付出一些。 Website of The Cerebral Palsy (Spastic) Children’s Association of Penang: http://www.spasticpenang.org.my/index.php