Monday, 14 December 2015

New Year Resolution: 2016

New Year Resolution: 2015
1. To generate a ROE of 20% on equity investment.-> The return from equity investment is lesser than what anticipated, however the share investment has been recovered from the shock in December last year, while the return from derivatives is still favorable.

2. To secure another 1 to 2 cash flow real estate.-> Managed to secure 2 cash flow deals, via profit sharing and joint venture with friends.

3. To quit the job and start own investing business.-> Expressed the intention of resigning with the immediate superior, and I will be given the flexibility to handle my business in the event that there is any issues arising from the business, with the prior consent obtained.

4. To keep attending seminars to network with like minded people.> Attended few seminars on stock and futures investment, but not real estate event. Think there are some areas where I can continuously improving myself especially on the network. Given so, I am still appreciating on every trust given to me.

In general, year 2015 is still a hard year for me, as I was starting my business from scratch with few partners. It is a potential investing business comprised of sourcing property that below market value at good location, dealing and liaising with professional parties, leasing the property and finally listing it on Airbnb for travelers' home stay. It requires a lot of effort on the preparations for the work, routine operations, coordination and communication skills.

I am really glad to work with those like-minded people, it is really a big breakthrough for each of us, from communicating this idea until putting it into work, despite it occupies quite some time of mine, making each of us busier than others. I think this is what youngsters say- to be passionate about doing what you love to do and be courage enough to make a difference. I should be rejoice always that I am still young, physically and mentally, be brave enough to pick up new things and learn through the mistakes.

The largest gain in this year would definitely be the stronger heart to withstand the troughs. There is one saying that embedded in my mind that "Sometimes life's going to hit you in the head with a brick. Don't lose faith." We human do make mistakes sometimes, get frustrated by things that go against our will, or even suffocated under the stress imposed by others. Nevertheless, I am still appreciating these though things which makes me a better person, to be able to grow and cope with these unexpected stumbling blocks.

I am quite convinced that gratitude is the ultimate gift for life changing, a person without appreciation won't be able to go far alone.As such, it has become a must to once again express thousand thanks to those people who put their trust on me, being my closest friends and families. I will work even harder not to let them down, and my sole new year resolution in 2016 will be to focus on growing my real estate investment business, despite exhaust my every single effort.


Saturday, 14 November 2015

假如真的再有約會




人清醒 难感性
迷失方能找到期待爱情
梦中见 亦高兴
能将心灵希冀尽说明

谁决定 人本性
或许生命中有埋没姓名
纯真爱 难记认
人间本来应该是有情

望这不再熟识破落故城
何以变了这样宁静
长街失去欢欣笑声
留下我孤单的一个生命

凝望这风雪 未知哪日会停
来世你我要是重认
能否找到彼此背影
假如全无凭无証

原谅我当天不懂得珍惜 只知任性
坏事情
唯愿你此刻可于虚空中 将心聆听
将来若真的再有个约会会完成
真的会再有这样深情
我以天为証 跟你带领
我以天为証 请你带领

Sunday, 18 October 2015

信任的可贵

我们人生中,不乏有一些企业家,政治家或是一些公众人物,他们的人品,值得我们心底推崇羡慕,而他们的举动,有时都会成为我们学习的典范。

好多好多年以前,本人就十分敬佩着大众银行(Public Bank)的创办人郑鸿标及香港长江集团的主席李超人李嘉诚。他们就像是一个有影响力的教主,到处都有许多虔诚的信徒,打从心底去信任,去爱戴他们心中的教主,而教主可说是一呼百应,所到之处不乏信徒们的掌声,地位深根之处无法动摇。在我眼中,他们更像是个品牌,为他们的企业注入了源源不绝的活水,没有了他们本人,整个企业也就缺少了灵魂,欲振乏力。简单地说,就好比谈起智慧手机,苹果(iphone)是唯一公认的品牌,而其他手机大致上可以被忽略。而这,正好可以强烈对比郑鸿标及李嘉诚他们两人,至少不是任何人能够轻易替代。

然而,当我用心仔细观察,就不难发现他们当中的共同点,也即是‘诚信’两个字,而诚信恰恰不能和信用分开。一个守诚信的人,说一不二,言行一致,讲到做到,也因此可以得到别人的信任,而这正是今天我所要表达的主题-“信任的可贵"。

在21世纪的先进社会里,信用可以说是与我们的生活息息相关。企业与企业谈生意之间要讲信用不违约,父母要守信用不辜负孩子的期许,朋友之间要守承诺不信口雌黄。就连银行贷款者也要谈信用,准时每月还款。维系着良好的信用度,就能换来别人对你的信任。

还记得几年前,当我没有能力独力贷款买下第一间屋子的时候,结果就找来了好友礼豪一同联名投资。当时,我爸就曾经大力阻止过,以他个人亲身经历告诫我要带眼识人,否则后果是我无法独自承担。而我身边的好朋友们都对我的决定感到震惊,不停地询问当中缘由,因为信任这条门槛在他们眼中相对来的高,所以我的举措很难让人理解。很显然地当时我懵懂的答复无法满足他们的好奇心,好几次我都好尴尬地开玩笑说:"别人都没嫌弃我了,我又怎么好意思嫌弃人家。"

而事实上,我们沿路上都一直披荆斩棘,解决了无数的难题,也许是资金,租客的问题,房子漏电停水的问题。这些问题看似简单,但是耗时费力,一起解决,需要的不仅仅是默契和毅力,更仰赖彼此之间的信任。

作为过来人,我可以分享的是如何维持着这份难能可贵的信任。一个相同的目的地,能够将来自不同地方的人,一起踏上相同的旅程,不管他们是乘搭巴士,飞机还是邮轮。同样地,一个相同的目标,也拥有相同功能。一致的目标,加上本来我们就相识,更何况我也非常了解他本人,一个不赌不嫖不嗜酒的好搭档,也许世间也再难找到第二个了。(除我以外LOL)

最后,也许就是经常沟通了吧。我觉得这一点是非常重要,因为往往误解都是源自缺乏交际沟通,它就像是一根小小的火苗,燃烧后后果不堪设想。对于这一点,我说话是直言不伟,实事求是,好在熟悉我的人都能予以体谅。

当然,人生旅途中,我们都会遇到那些值得我们信赖的,又能够予以我们信任的人,我想,可以跟他们一起合作,干出一番轰轰烈烈的事业,是在高兴不过的事了。

曾经,我也辜负过一些别人对自己的期望。然而,还是要好好感谢那些可以给自己机会的人,那份信任是无价的,值得被好好珍惜。

"信任就像是一张白纸,一旦皱了,它就不可能再完美。"最后就以这句经典的名句,来结尾今天的文章。



也献上几张我和礼豪最近为租客们布置的代表作品。





Saturday, 26 September 2015

转折点

有好一阵子没有记录下最近发生的趣闻,也难怪,当有灵感的时候却没有时间记载下来,而空闲时又懒得写作,总之,人懒的时候可以给自己上千个借口莱合理化这举措,所以三个月前已动笔写了一半的《写给弟弟的信》也就不了了之,一句话:难产,胎死腹中。

说回近几个月来马来西亚发生的连串国际笑话,人们所留意的不外乎政治献金丑闻,一马发展公司舞弊案,民族示威等等,加上国际油价大跌,接二连三的悲剧衍生了外资大举撤资,马币贬值效应。

冰冻三尺,非一日之寒,这些早已非新鲜事,近这两年来大家都耳有所闻,然而大家较为关注的,无非是马币贬值这件事。也难怪,马币自高点来对美元贬值了约50%,间接造成了人民购买力每况愈下的窘境,出国念书或旅游的费用相对来得高,怎会不引起民愤。讲的难听点,也就是每个马来西亚人都在被美国人剥削着,因为今天你付出相同的劳力,获得相同的马币工资,然而购买进口的美国货品却要付出相对来的高的价钱。相反的,美国人在条件相等的情况下,同样的付出却可以换来更强的购买力,仅仅因为我们所出口的货品变得更加廉宜。这就是外在因素,因货币贬值,每个马来西亚人(除了出口商)被全世界人剥削的最佳例子。然而,货币升贬都有其周期,就好像每个人的厉程总有高低,要怪的,只能怪自己在高处时没有筑墙储粮,以致寒冬来临时无法抵挡。

而内在因素的剥削,就离不开增税及通货了。简单而言,政府征税就是将你口袋里的钱,放进它的口袋。本来,征税来维持国家的收入,也没有什么不妥,至少西方国家所征的税务都比我们来的高。然而问题就出在了,如何去应用这一笔收入。这笔钱要是能用在适当的地方,一定可以获取不错的收益,来回馈百姓们。很遗憾的,我们不是看见官员们中饱私囊,就是看见工程合约的舞弊案,这些肥水都流入了他们各自的口袋里。

而最后,就是间接将人民口袋钱转移的通货膨胀。人民或许不大了解这个流程。假设今天你买了一架一千元的冷气机,商家净赚300,必须缴税60。在百物高涨的年代,冷气机起价了变成1,200,商家净赚500,缴税100,政府的收入就间接增加了。你或许还认为政府征税只是剥削商家,那消费税总让你哑口无言了吧。因为现在你不管购买家具电器,都要被征税,而消费税也带来另一轮的通货压力,造成货品再次起价。

经过了轮番的剥削后,如果你还没倒下,真的是值得可喜可贺。风水轮流转,每个经济的周期都有一套安排好的剧本,过惯了好日子的我们,是时候迎接苦日子的来临,更何况,苦日子还只是个开始。展望未来,若无意外地股市将接连崩盘,利息将被调高,引来房市的逐渐崩溃。货币贬值效应也会越演越烈,没有最低,只有更低。

依旧牢记着身边一位好友的肺腑之言:"人有三衰六旺,在好景时没有把握好时机蜕变,风暴过后只有死路一条。"我非常认同,但我更倾向于相信大雨之后,会有蓝天。

转眼间,我们又来到了这个十字路口,把握着这个转折点,迈向更好的明天。每个金融风暴,都是财富重分配的时机。


Saturday, 20 June 2015

地下鐵




我聽見我們坐飛毯
去找星之碎片
而我們能遇見
令天空更閃

我聽見有人唱聖詩
聲音表演舞姿
世上誰是我
神秘的天使

帶著期待在地下鐵外
逗留在出口
懷疑誰正在盼望
我帶她出走

等了多久
潮濕的快感
來自你雙手
陪你蒙上眼睛看盡大世界
聞到你生命如無限大
隨呼吸風中舞擺

伴我在逛街
跟你蒙上眼睛看夢幻世界
肉眼怎可了解
幸福找不到邊界
誰擔心給你拐帶


Thursday, 4 June 2015

Your Time & Effort for Other People's Dream

The scariest thing in life is to exchange your time to witness other people's dream comes true.
世界上最恐怖的事 是拿自己的时间,去见证别人的梦想成真!

The most miserable moment in life is that you don't have the courage to try, but laughing at those who pursue after their dreams.
最悲哀的事是自己不敢尝试,还去嘲笑身边为梦想而奔跑的人!

We can't deny that in life the biggest failure is not to fail, but is not to have the courage to even to try.
最后你不得不承认你一生最大的失败不是跌倒, 而是从来没有去实现自己梦想的勇气!

Life is not about being regret in doing something, but to regret you are not doing anything.
人生不是你做了什么而后悔, 而是你什么都没做而后悔!

IF YOU DO NOT DARE TO LOOSE, YOU WILL NOT WIN!
 一个输不起的人, 赢不了!


Saturday, 18 April 2015

岁月的痕迹

空闲时间,翻阅回自2008年Facebook所tag的照片,发现这8年里确实去游历了很多不同的地方,从
2004年-〉江南游
2007年-〉沙巴斗湖,拿笃,山打根
2008年-〉热浪到,巴厘岛
2009年-〉Bukit Merah, 云顶,KL Tower,澳门,中国珠海广州
2010年-〉槟城 Batu Ferringhi,Pulau Langkawi, I-City,槟城环岛,泰国Hat Yai,大山脚,Ampang Look Out Point,Broga Hill,Pulau Pangkor,怡保,云顶,新加坡
2011年-〉荷兰,加拿大多伦多,Newfoundland,蒙特利尔,Ottawa,Niagara Falls,云顶,台湾环岛,彭亨林明山,彩虹瀑布
2012年-〉香港
2013年-〉 I-City,东禅寺,深圳,Kota Kinabalu,Renau,波德申,马六甲,适耕庄,槟城
2014年-〉金宝,云顶,槟城,怡保,越南河内,下龙湾
2015年-〉柬埔寨金边,Siem Reap,新加坡

突然间,发现自己真的老了,多半早已忘记了。照片虽然是最佳的凭证,但岁月的痕迹已经抹去了那零碎地记忆。

最后,放着一张多年前遥望远方的一张照片,或许这会使此时最贴切的写照。


人往高处,水往低流。。。多年前的自己是否看得够远够透彻呢?
(确实也没多大的选择,命运的局限老早已经安排了一切,即便牺牲自己来成全别人,也谈不上有任何伟大之处)

Sunday, 15 March 2015

人生瓶颈-进步背后的推动力

结束了六天的柬埔寨之旅,让自己与公事隔绝了相当于九日的一段长时间,我想感觉还是蛮不错的,只尽情地去享受着旅途当中的人与事,去了解当地的风土人情,观察他们的生活方式。旅途中少去了对烦恼那一丝的牵挂,只一味地去享受过程,在能力允许内去吃好的,住好的,当然也少不了朋友们一路上的笑笑闹闹。当然,科技改变了人们的生活方式,我们也不再活在以往但凡出国,与世隔绝的时代。

如今,只要手机及网络在手,世界上发生的任何重大事件几乎不能逃过我们的眼里。这就是科技的发达,社会的进步,也是自己最要探讨的一个重大话题。尽管人生不缺乏目标,但是总觉得自己近年来少了一股推动力,让自己能更快,更有效率地去完成自己的愿望清单。也即是少了这股推动力,让自己的进步空间受限,遇到了瓶颈。

今天看了一则故事,描述一个科学家打算研究一部能够穿越时空的时间机器,但是不管他如何尝试都不成功,直到有一天他的爱人被劫匪杀害后,他伤心欲绝,拼劲全力地去尝试,而成功回到过往,救回了被杀害的爱人。

而正当他兴高彩烈地跑去买花及戒指准备求婚之际,没想到一辆货车冲上了行人道,还是活生生的把他的爱人给撞死了。他悲痛莫名,一时间不能反应过来,他再次透过时光机从新演绎,但是没想到爱人就是活不过来。他很纳闷,他很想知道为什么总是不能避开死神的眷顾,接着他打算飞到未来世界,找出真相。

当他到达未来世界找到智者后,智者告诉他其实他是被背后的推动力阻碍了,他开始并不明白。智者接着弄了一些映像给他看,映像里看到他正在研究时光机,然后爱人和小孩跑过来,他就放下手中的零件,跟着爱人和小孩出去享受天伦之乐。智者接着说,如果爱人不死,那么你就没有了这股背后的推动力,自然地就不可能成功研究时光机,那么你也不可能飞回过往救回爱人

这不禁让我想起了三年前,如何排除万难地去购买了自己人生中的第一间房子,虽然过程中吃了不少苦头,但胜在有源源不绝的动力在背后支配着。我想,要是能够重拾及鉴定那困难/挑战,并将它转化成推动力,迈向更大的进步,一定会有水到渠成的一天。

而这一次旅途,让我最为获益良多的是,在我的好友身上,看见了他那飞跃的进步程度,这也许是下一步我能仔细琢磨深思的方向,并好好向他请教学习的地方。。。:)



Saturday, 10 January 2015

New Year Resolution: 2015

New Year Resolution: 2014
a. Invest in 2~3 cash flow real estate -> Managed to get 1 cash flow real estate for the year, the status of switching the loan name/ refinancing has been delayed by half a year since July resulting from change of title name and slow in delivery of lawyer's works.

b. Achieves an investment amount of RM 80k in own portfolio. -> Achieved by half, deleverage due to cautiously optimism on the entire outlook of Malaysia economy & stock market.

c. Keep abreast of my new knowledge comprising financials, travel books, economics, etc.. To at least finish 10 books throughout the year. -> Achieved

d. Launch the stock investment business and push the total funds managed to RM 200k. -> Not achieved

Year 2014 was a year of great learning especially in absorbing every single thing related to global economy and how it impacts the local stock market, despite most of the efforts delivered hasn't been really paid off in this year, my experience is growing tremendously along with the every buy/ sell decision that have been made.

The exposure to options & futures market has granted us a great tool in countering the volatility of the market, regardless it is going upwards or downwards, the result has spoken for itself specifically during the first week in year 2015, where a couple of thousands can be earned within the period of a glimpse of eye, provided we can sync and dare to take advantage from the market sentiment.

Nonetheless, by having a macro view on the global economy, it is wise to put a great weightage on the listing companies with export nature which is benefited from currency depreciation. Once and for all, by leveraging on the macro trend, hopefully this right bet will move us out from the rat race sooner than we expected.

On real estate sector, although facing a lot of challenges in dealing with tenants, securing new deals & also encountering negatives issues such as rising in interest rate and slowing down in property sector, the rise in capital gain has largely contributed to my net worth and double it to 200k and above. Overall, it is still a satisfy return with effortless work done each month. It reminds me well on making a right decision is far important than working hard without a clear direction.

I always think about quitting the career path to start my new adventurous, without giving much thought whether it will succeed, to keep the persistence and perseverance along the path. End of this year, I think it is about time to bid goodbye to the life of being an employee.

Going forward, I will still spend lots of quality time with my family and friends like I did in year 2014. To me, nothing is more important than spending your time together with people you love &  appreciate the most in our life.

Resolutions for the year 2015:
1. To generate a ROE of 20% on equity investment.

2. To secure another 1 to 2 cash flow real estate.

3. To quit the job and start own investing business.

4. To keep attending seminars to network with like minded people.

A lot of courage and efforts are required to get it done, however I do believe that nothing can stop a person from moving forward if his willpower is strong enough to pierce through the toughest thing.