Sunday, August 14, 2005
Thursday, August 11, 2005
Tuesday, August 09, 2005
年輕開始累積財富退休無憂
退休對年齡不同的人有不同的意義。對20來歲的年輕人而言，也許還是一個很遙遠的理想。到了30歲，甚至40歲，許多人仍然對此莫不關心，總覺得還有時間，還可以拖延一些時候。但悄悄的到了50歲時，就變成一項逼在眼前，不得不立刻著手處理的計劃。我們必須強調，越早開始為退休作儲蓄，你就越有機會累積更豐碩的財富。
對剛開始工作的年輕人來說，你的退休計劃也許只不過是一項普通的儲蓄計劃。你目前的心願很可能希望擁有自己的一棟房子，一輛汽車，而不是退休的準備。到了30至40歲而有家室的一群，重點自然就集中在子女的身上，籌備他們的升學教育基金成了你最大的負擔。
40歲才開始計劃 - 付出更大代價
可是在40歲過後，我們不得不謹慎對待自己的退休生活，補償之前所流失的時間，希望可以在最短的時間內作最好的打算。當然，這個時候你所付的代價，與20歲年輕時開始作計劃的相比，會有很大的差別，每月要付出的遠超過後者。
每年檢討確保目標不偏離
作計劃時，我們必須詳細檢討自己期望在退休後的享受，再配合實際的策略和計劃來實現它。以下這些要點能作為退休計劃的指引，有助你在與策劃師討論時，更切實的說出自己的目標，作一份更妥善的退休規劃。
─ 分析自己目前所擁有和所希望擁有資產之間的差別。將資產和債務作一個比較，也就是所謂的實值（net worth）。
─ 列出目前所享有的利益，包括公積金儲蓄，公司利益等。
─ 退休後的目標和理想，如周遊列國、移民，希望有怎麼樣的享受，需要多少錢來實現這些理想等。
─ 從目前的財務狀況著手進行規劃，包括控制消費，更多儲蓄，將10%的收入納為退休用途，逐漸增加。
─ 根據本身的需要、風險、能力作合身的資產分配以及投資組合調整。
─ 有足夠和適當的保險，將子女和家屬納入考慮的範圍之內。
─ 隨著時間的變化以及生活的改變，每半年或每年對一系列的計劃進行檢討，確保自己的目標不出軌等。
對剛開始工作的年輕人來說，你的退休計劃也許只不過是一項普通的儲蓄計劃。你目前的心願很可能希望擁有自己的一棟房子，一輛汽車，而不是退休的準備。到了30至40歲而有家室的一群，重點自然就集中在子女的身上，籌備他們的升學教育基金成了你最大的負擔。
40歲才開始計劃 - 付出更大代價
可是在40歲過後，我們不得不謹慎對待自己的退休生活，補償之前所流失的時間，希望可以在最短的時間內作最好的打算。當然，這個時候你所付的代價，與20歲年輕時開始作計劃的相比，會有很大的差別，每月要付出的遠超過後者。
每年檢討確保目標不偏離
作計劃時，我們必須詳細檢討自己期望在退休後的享受，再配合實際的策略和計劃來實現它。以下這些要點能作為退休計劃的指引，有助你在與策劃師討論時，更切實的說出自己的目標，作一份更妥善的退休規劃。
─ 分析自己目前所擁有和所希望擁有資產之間的差別。將資產和債務作一個比較，也就是所謂的實值（net worth）。
─ 列出目前所享有的利益，包括公積金儲蓄，公司利益等。
─ 退休後的目標和理想，如周遊列國、移民，希望有怎麼樣的享受，需要多少錢來實現這些理想等。
─ 從目前的財務狀況著手進行規劃，包括控制消費，更多儲蓄，將10%的收入納為退休用途，逐漸增加。
─ 根據本身的需要、風險、能力作合身的資產分配以及投資組合調整。
─ 有足夠和適當的保險，將子女和家屬納入考慮的範圍之內。
─ 隨著時間的變化以及生活的改變，每半年或每年對一系列的計劃進行檢討，確保自己的目標不出軌等。
Sunday, August 07, 2005
超棒的作文能力
成語應用----要有好勁的文學根底才寫得出來
雖然小華用了十三句成語，但仍然都不及他最後的一行形容詞精彩。同意嗎?
==================================
小華在作文簿上寫道：我的家有爸爸媽媽和我三個人，每天早上一出門，
我們三人就分道揚鑣，各奔前程，晚上又殊途同歸。
爸爸是建築師，每天在工地上比手畫腳；媽媽是售貨員，每天在商店來者不拒；我是學生，每天在教室呆若木雞。
我的家三個成員臭氣相投，家中一團和氣。
但我成績不好的時候，爸爸也同室操戈，心狠手辣地揍得我五體投地，媽媽在一旁袖手旁觀，從來不曾見義勇為。」
--------
老師後來問小華；你考試成績不好的話，父母怎麼懲罰你？
小華回答：80分以下女子單打，70分以下男子單打，60分以下男女混合雙打
雖然小華用了十三句成語，但仍然都不及他最後的一行形容詞精彩。同意嗎?
==================================
小華在作文簿上寫道：我的家有爸爸媽媽和我三個人，每天早上一出門，
我們三人就分道揚鑣，各奔前程，晚上又殊途同歸。
爸爸是建築師，每天在工地上比手畫腳；媽媽是售貨員，每天在商店來者不拒；我是學生，每天在教室呆若木雞。
我的家三個成員臭氣相投，家中一團和氣。
但我成績不好的時候，爸爸也同室操戈，心狠手辣地揍得我五體投地，媽媽在一旁袖手旁觀，從來不曾見義勇為。」
--------
老師後來問小華；你考試成績不好的話，父母怎麼懲罰你？
小華回答：80分以下女子單打，70分以下男子單打，60分以下男女混合雙打
Tuesday, August 02, 2005
精子的30種死法~呵呵~太搞笑了~
1.久不出兵，鬱悶死。
2.忽有一天，蓄勢待發，興奮死。
3.千億個兄弟一擁而上，擠死。
4.出來發現是主人自行解決，冤死。
5.被濺到地上，摔死。
6.被噴到牆上，撞死。
7.被衛生紙擦掉，風乾至死。
8.被擦掉後，又扔進垃圾桶，熏死。
9.終有一次，踏上正途，，第一個沖到終點，得意死。
10.第二個跑到終點，發現就晚了一步，氣死。
11.第三個來到終點，看別人已卿卿我我，嫉妒死。
12.跑不到終點的，順道參觀遊覽，迷路後轉到暈死。
13.體力不支的，在奔跑途中累死。
14.跑到終點，沒見到卵子的，失望死。
15.跑到終點，見到了一個卵子，幸福死。
16.跑到終點，竟見到了兩個卵子，緊張死。
17.被一個卵子接受，自豪死。
18.被兩個卵子接受，威風死。
19.被卵子拒絕，羞愧致死。
20.採取安全措施，所有兄弟落入安全套中，被自家 兄弟壓死。
21.安全套出口被打了一個結，窒息而死
22.意外發現安全套有針孔，驚喜死。
23.爭先恐後出來後發現安全套被扔在水裏，淹死。
24.水裏發現跟自己長相相似的蝌蚪,黑的象從非洲來的，笑死。
25.惹怒了蝌蚪，狂吞了自家好多兄弟，嚇死。
26.第二次出發，有兄弟身上全是唾沫，噁心死。
27.沒被噁心死的，後來被胃液酸死。
28.責任感的兄弟被捐出來，放在冷藏箱裏，凍死。
29.寒的，因一直沒有被用上，等待至死。
30.除了一個成人了的兄弟，其餘全白死。
2.忽有一天，蓄勢待發，興奮死。
3.千億個兄弟一擁而上，擠死。
4.出來發現是主人自行解決，冤死。
5.被濺到地上，摔死。
6.被噴到牆上，撞死。
7.被衛生紙擦掉，風乾至死。
8.被擦掉後，又扔進垃圾桶，熏死。
9.終有一次，踏上正途，，第一個沖到終點，得意死。
10.第二個跑到終點，發現就晚了一步，氣死。
11.第三個來到終點，看別人已卿卿我我，嫉妒死。
12.跑不到終點的，順道參觀遊覽，迷路後轉到暈死。
13.體力不支的，在奔跑途中累死。
14.跑到終點，沒見到卵子的，失望死。
15.跑到終點，見到了一個卵子，幸福死。
16.跑到終點，竟見到了兩個卵子，緊張死。
17.被一個卵子接受，自豪死。
18.被兩個卵子接受，威風死。
19.被卵子拒絕，羞愧致死。
20.採取安全措施，所有兄弟落入安全套中，被自家 兄弟壓死。
21.安全套出口被打了一個結，窒息而死
22.意外發現安全套有針孔，驚喜死。
23.爭先恐後出來後發現安全套被扔在水裏，淹死。
24.水裏發現跟自己長相相似的蝌蚪,黑的象從非洲來的，笑死。
25.惹怒了蝌蚪，狂吞了自家好多兄弟，嚇死。
26.第二次出發，有兄弟身上全是唾沫，噁心死。
27.沒被噁心死的，後來被胃液酸死。
28.責任感的兄弟被捐出來，放在冷藏箱裏，凍死。
29.寒的，因一直沒有被用上，等待至死。
30.除了一個成人了的兄弟，其餘全白死。
Thursday, July 28, 2005
The reality thing happen in the Business World
Yeah...many of my frens have ask me what kind of training I am undergo!Actually I am undergo the FInancial Planner training.Yesterday night when I online I have chat with my johor fren,she said r u act like "Ah Long"?What a funny Q throw to me...hmm....but sure the answer is NOT!
What we do is arrange appointment and meet up with diff level of ppl out there!Today I have one appointment with a ladies she is nice person to talk with and she have an impressive retirement plan.I used to take this as a reference...so good can learn something new.
In this business world normally we can only know those crucial thing happen around us!Don't know how to explain in detail.I believe if discuss depth into the business world issues that come with over million pages...haha
One thing I have to point out that many of ppl out there are afraid to face their problem,they knew that the matter arising but always escape to face it even try out to solve it.
Thats why I am enroll in this industries as to help out ppl out there to improve their financial well being and guaranteed to have a comfortable retirement when they are unable to work anymore.Until today I not the best junior for my group,I do thing slowly with time management.That means I won't left behind even I not look that strong compare with my other collegue.What I do...I wan to focus on what i get and try to do it well...I more concern on quality then quantity!The most important thing for me is to help ppl as to improve their financial well being. I work in neutral manner..I try my best...to do what I already try my best!
I dont wan to be like others who act so annoying me.When they have a good result than me and say some words to show how strong they are;when is ur turn to get a good result than them what they said?"It cant be u can do that,I cant believe!"This kind of ppl really like to interupt other ppl life!Whatever ppl said to me either positive o negative words,I only response with a frenly smile(as to act neutral),so no one can know what I feel inside but outside I show a frenly face and no harm for me! and come with SAFE..hahahaha
What we do is arrange appointment and meet up with diff level of ppl out there!Today I have one appointment with a ladies she is nice person to talk with and she have an impressive retirement plan.I used to take this as a reference...so good can learn something new.
In this business world normally we can only know those crucial thing happen around us!Don't know how to explain in detail.I believe if discuss depth into the business world issues that come with over million pages...haha
One thing I have to point out that many of ppl out there are afraid to face their problem,they knew that the matter arising but always escape to face it even try out to solve it.
Thats why I am enroll in this industries as to help out ppl out there to improve their financial well being and guaranteed to have a comfortable retirement when they are unable to work anymore.Until today I not the best junior for my group,I do thing slowly with time management.That means I won't left behind even I not look that strong compare with my other collegue.What I do...I wan to focus on what i get and try to do it well...I more concern on quality then quantity!The most important thing for me is to help ppl as to improve their financial well being. I work in neutral manner..I try my best...to do what I already try my best!
I dont wan to be like others who act so annoying me.When they have a good result than me and say some words to show how strong they are;when is ur turn to get a good result than them what they said?"It cant be u can do that,I cant believe!"This kind of ppl really like to interupt other ppl life!Whatever ppl said to me either positive o negative words,I only response with a frenly smile(as to act neutral),so no one can know what I feel inside but outside I show a frenly face and no harm for me! and come with SAFE..hahahaha
Tuesday, July 26, 2005
I pass the exam
Today morning sit for exam,and I pass without study!Yeah!
Afterwards we have lunch with our boss for congratulate we all have pass the exam!
Besides that still have the continuing study and exam la : (
We have the lunch at Royal Selangor Club House,have golf club and recreational facilities!
But not so nice la,eventhough here are the places mostly visit by the Dato/Datuk/Datin o rich ppl!The environment is normal and the food not that nice!
I prefer my hometown Sutera Harbour Club House that one more high classes and lot of facilities!I like to play kite at there o have some Hi-Tea at the 4 star hotel cafeteria.
As a conclusion, having the lunch with our boss really lack of comfortable!
Afterwards we have lunch with our boss for congratulate we all have pass the exam!
Besides that still have the continuing study and exam la : (
We have the lunch at Royal Selangor Club House,have golf club and recreational facilities!
But not so nice la,eventhough here are the places mostly visit by the Dato/Datuk/Datin o rich ppl!The environment is normal and the food not that nice!
I prefer my hometown Sutera Harbour Club House that one more high classes and lot of facilities!I like to play kite at there o have some Hi-Tea at the 4 star hotel cafeteria.
As a conclusion, having the lunch with our boss really lack of comfortable!
Monday, July 25, 2005
Director:Tim Story
Cast:Chris Evans, Ioan Gruffudd, Michael Chiklis, Jessica Alba, Julian McMahon
Links: fantasticfourmovie
Marvel�s beloved superhero team comes to the big screen. Reed Richards / Mr. Fantastic, who can elongate his body; Susan Storm / Invisible Woman, who not only can become invisible at will but can render other objects invisible; Johnny Storm / Human Torch, who can shoot fire from his finger tips and bend flame; and Ben Grimm / The Thing, a hideously misshapen monster with superhuman strength, together battle the evil Doctor Doom.
Cast:Chris Evans, Ioan Gruffudd, Michael Chiklis, Jessica Alba, Julian McMahon
Links: fantasticfourmovie
Marvel�s beloved superhero team comes to the big screen. Reed Richards / Mr. Fantastic, who can elongate his body; Susan Storm / Invisible Woman, who not only can become invisible at will but can render other objects invisible; Johnny Storm / Human Torch, who can shoot fire from his finger tips and bend flame; and Ben Grimm / The Thing, a hideously misshapen monster with superhuman strength, together battle the evil Doctor Doom.
Thursday, July 21, 2005
Learning curve for this season
This is the 4th week I undergo a new job training,a lot of thing to learn and practice.
I feel so stress and tired too,but lucky that my boss so nice and give us some energy to move towards.
Actually I still decide to queue,but still in consideration what to do for the next step b4 I left!
Everyday we learn many new knowledge,and many new people!
My boss a bit naughty,always 'kacau' me but he really a humour and nice boss la!!
Next tuesday we have an exam,he promise to pay us lunch once we pass the exam :)
Hope that I can pass the exam!
I feel so stress and tired too,but lucky that my boss so nice and give us some energy to move towards.
Actually I still decide to queue,but still in consideration what to do for the next step b4 I left!
Everyday we learn many new knowledge,and many new people!
My boss a bit naughty,always 'kacau' me but he really a humour and nice boss la!!
Next tuesday we have an exam,he promise to pay us lunch once we pass the exam :)
Hope that I can pass the exam!
Thursday, July 14, 2005
My new job training
Today is the 3rd weeks for my new job training!I am very tired right now and even stress too!
The training are very interesting,learn a lot things that is applicable to the reality society. I met many new frens during the training and feels so happy able to chat with various races of ppl there.
There are 3 trainers, one guy and 2 ladies!They are very nice n talkative person.The guy actually is our boss,he looks so knowledgeable and confidence!The other 2 ladies are very frenly n pretty!
For me I dont know how far I can go for this training!Until today I feel tough and extremely stress too!Yesterday I really not felling well,some of them said my face look so 'pucat'..oh my gods!Hope tommorrow will become better and feel enjoy during the training...I wish...
The training are very interesting,learn a lot things that is applicable to the reality society. I met many new frens during the training and feels so happy able to chat with various races of ppl there.
There are 3 trainers, one guy and 2 ladies!They are very nice n talkative person.The guy actually is our boss,he looks so knowledgeable and confidence!The other 2 ladies are very frenly n pretty!
For me I dont know how far I can go for this training!Until today I feel tough and extremely stress too!Yesterday I really not felling well,some of them said my face look so 'pucat'..oh my gods!Hope tommorrow will become better and feel enjoy during the training...I wish...
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