Planning for next year trip.....

LOL... funny

Finally we got our love nest.... its arriving in 2 years time... say the latest 2013... what abt the earth coming to an end on the 21st december 2012??? we shall see... hey come on.... 20th dec 2012 is my 26th birthday.....

this song made my eyes wet for awhile... make me super emo... but its been awhile for tank to release his new songs... after his zhuan shu tian shi and fei ni mo shu... this is another hit...



作词：陈信延 作曲：TANK
累了 照惯例努力清醒着也照惯例
想你了好怕一放心睡了心跳在梦中 <--- omg ,-_-,
不听话的 就停止了听着 <--- omg ,-_-,
呼吸像浪潮拍动着越没力越让我忐忑我还能珍惜什么
如果我连自己的脉搏
都难掌握
如果我变成回忆
退出了这场生命留下你错愕哭泣
我冰冷身体
拥抱不了你想到我让深爱的你
人海孤独旅行我会恨自己
如此狠心如果我变成回忆
终于没那么幸运没机会白着头发
蹒跚牵着你
看晚霞落尽漫长时光总有一天你会伤心痊愈若有人可以
让他陪你
我不怪你快乐
什么时候会结束呢哪一刻是最后一刻想把你紧紧抱着可知你是我生命中的
最舍不得如果我变成回忆
退出了这场生命留下你错愕哭泣
我冰冷身体
拥抱不了你想到我让深爱的你
人海孤独旅行我会恨自己
如此狠心如果我变成回忆
终于没那么幸运没机会白着头发
蹒跚牵着你
看晚霞落尽漫长时光总有一天你会伤心痊愈若有人可以
让他陪你如果我变成回忆
最怕我太不争气顽固地赖在空气
霸占你心里
每一寸缝隙连累依然爱我的你痛苦承受失去这样不公平
请你尽力
把我忘记

A cross junction ahead
Heading left?
Straight?
or Right?
How many times in our lives we need to make a decision.
Sometimes we choose 1 and U turn and go back to square 1.
wHY?
Obstacles at the path we chosen present?

Is that really a obstacle physically or
we see it as obstacle in our mind...

What obstacles are in our lives?
In every aspect our lives,
we make decision,
big or small
leads to another decision.
We nv stop making decisions
Every decision behind is an obstacle
big or small
we are creating it ourselves.
What im trying to say is
IF we think its hard its hard.
IF we think is difficult its difficult
IF we think its possible its possible.
its how badly we want something in our lives
Its always so easy to say no.
its a human instinct.
we need to defend ourselves.
BUT tats wat make us inauthentic in our actions
and thoughts.
We complain people being fake in their actions.
But we think it is, den it is.... why we need to
make ourselves miserable becos of someone action?
isnt it silly?

IF we set barrier in our thoughts, our actions
will we ever get to the other side of the path smoothly?
no....
no matter what path we choose in our lives, there bound
to be obstacles... how big it is, its all in our mind.
Why there are only 1% of the world population
are successful ppl? not becos they are lucky
but they think extraordinary and do things extraordinary.
So what will life be? you decide.

Greedy ppl?

So Insurance Agents are greedy people who earn huge commissions, do minimal work, and then go for all expense paid vacations using YOUR money.I understand there are people who believe this is the case. And you are not to be faulted for having this perception, because this is perhaps how certain people in this industry portray themselves to be. Maybe.I will not try to vehemently defend my industry and the people who work in it, but for the sake of argument, I’ll list out a couple of facts about life as an Insurance Agent from my personal knowledge and experience to try and debunk this perception :

Our commissions are not paid by you, the customer. They are paid to us by the company we represent at a rate the company deems fair. Agents are required to disclose to you how much money they are making from your sale, if you wish them to.

Our work is not minimal. Form filling, claims processing, continual training to provide better service to the public, these are things that agents do which are not seen. And best of all, we don't get paid for doing these things. Now I'm sure some of you may be saying :"But Angry Mr Jones, my agent damn free one leh, everyday see him at coffeeshop drink kopi! Somemore got money go holiday!"Life as an Insurance Agent is as they say, 'Own Time Own Target'. Sure i can sit at home all day or go out with my mates to have fun every night. Just no income.

Ever had to stand outside a potential client's place for 3 hours? And then leaving without the sale? I have."Aiya AMJ, who ask you to become Agent in the first place? See la, kenna this kind of treatment. Serves you right!"Just to illustrate a point, this are some of the pains an Insurance Agent may have to go through in his course of work. Waiting 3 hours to get rejected is quite a painful experience, but i believe most of us Agents accept it, learn from the experience, and move on.

Going on overseas trips is a form of reward insurance companies usually give to the VERY BEST people in their companies. To be the VERY BEST is not easy, the amount of business the agent in question has to process is very large. Taking into consideration the 3 points listed above, to go on one of those trips most probably means that agent went through a lot of what was listed above to get there.

He also most probably got many people insured or set up worthwhile financial plans for his clients. In the process of doing that, he also most probably secured for his company a good amount of premiums which equals to profitability. As a reward, his company sends him on a holiday. It is corporate commonsense to reward your best people, it should be the same for Insurance companies.

At the end of it all, if the perception about greedy insurance agents still exists, why not challenge yourself to try out this job for 1 year.“SIAO AH?! Become Insulant Agen! Nothing better to do meh?”If the industry was really so rosy then this response wouldn’t be commonplace among folks.As it is, there are bad apples in every basket. I'm certain there are greedy insurance agents out there, just as there are greedy hawkers and greedy contractors and greedy...

yea u get the idea.The relevant authorities and stat boards, with regards to the financial industry are doing their very best to ensure that you, the consumer, gets the best deal possible.

Courtesy from http://www.ihateinsurancesalesman.com/search/label/Ahh%20Why%20blog

Diversifying

“Don’t put all your eggs in one basket” is a tag line used in many circles, especially when it comes to investing. How true is that statement?A school of thought that is popular with investors is to diversify your portfolio, so that if one particular asset suffers, your general portfolio will not be heavily hit. The whole idea of diversification is risk control.

These are some choice statements about diversification from Warren Buffett.We think diversification, as practiced generally, makes very little sense for anyone who knows what they’re doing. Diversification serves as protection against ignorance.-Warren Buffett, at Berkshire’s 1996 Annual MeetingWe diversify substantially less than most investment operations.

We might invest up to 40% of our net worth in a single security under conditions coupling an extremely high probability that our facts and reasoning are correct with a very low probability that anything could drastically change the underlying value of the investment."-Warren Buffett, 1965 letter to PartnersWe have to work extremely hard to find just a very few attractive investment situations. Such a situation by definition is one where my expectation of performance is at least ten percentage points per annum superior to the Dow.-Warren Buffett, 1965 letter to Partners

The full 1965 Letter to Partners by Warren Buffet can be read here From the investor who has made the most money in the history of the world from the stock market, this is a total reverse from the conventional train of thought. To summarise the 3 statements by Warren Buffett posted here, and books from him and Benjamin Graham, one key factor to succeed in the stock market is a high level of research and studies into the array of options, to identify the ones which are HIGHLY (close to certainty) probable to succeed.I have to admit, when it comes to personally investing in the stock market, I’m pretty much a babe in the woods.

This is because I spend my ‘education time’ on other areas and not in reading up on companies and indexes. Venturing into stocks and shares, though tempting, would be financial suicide for me.Would I be successful if I put my time into studying up companies to invest in? Then again would I trust my judgement enough to put money into that one stock? I know myself enough to reckon the answer to both would be no. That’s why I don’t work as a stock broker ;)If you purchase unit trusts or investment linked insurance products, the funds are already well diversified in the sector or region you have chosen.

My personal investment linked insurance policy (ILP) invests in 2 funds which automatically puts my money into 16 diverse sectors. If you’re thinking of investing in an ILP, consider the words from Warren Buffett before spreading out your monthly investments into many different funds. Ask your Financial Planner for a breakdown of how your money will be invested in the particular fund he has recommended to you. A person very close to me worked in the crude oil industry for 25 years, mainly as a senior oil rig engineer. During that time, he focused his investments specifically on oil based commodities and oil field companies (Chevron, BP) because he had an insight and to a certain extent, insiders information on the trends of the fuel industry. He is now happily retired. He never put a single cent in other sectors or unit trusts.To summarise, diversification has worked for some investors including a prominent local millionaire. On the other hand, the greatest investor of all time plays down the value of diversification.Should you divest when investing?

The answer would depend on your knowledge of the asset in question, and how much time and effort you are willing to put in to studying the available options. If you’re like me and don’t have the time (the want rather) to put in the necessary effort, you would perhaps be better off investing your money in vehicles that do not require personal monitoring, while keeping what you have learned in mind when making those decisions.

Extract from http://www.ihateinsurancesalesman.com

BBQ pics 09/05/09

Pioritize your goals...
Im still quite stuck with the Urgent but not Important....
Its quite contradicting... haha... meaning you dont have integrity with your words by saying its urgent but at the same time not important...

http://www.cultureunplugged.com/play/1081/Chicken-a-la-Carte

watch this, tell me how u feel about yourself whenever u finish a meal....

i always had this "du lan ness" when ppl dun finish their food, and this is the reason why, watch it.