INVEST IN A WOMAN.....

It's a great fortune to invest your time in a woman, especially a good woman. If you are an experienced man, you would certainly agree with me. Women are peculiar species. If you have succeeded in conquering her heart, she will ceaselessly sacrifice for you till the end of your life.
Just think over, you just spend a little of your time to go out for dinner with her, watch a movie or give her a simple gift, or say a few words to touch her heart or you promise her that you will bring happiness till the end of her life, or take time to help her kill some cockroaches in the kitchen, or sometimes spend some efforts helping her to carry some heavy stuff, or to open the car door for her. Continue to do all the above things and care for her well-being for 2 to 3 years to come.... What do you get in return? You will be amazed to find that you have a woman whom would continue to care for your well-being for the rest of your life. She will wait for you at the door steps with a naïve and sweet smile each time when you meet her (of course, you don't get the sweet smile when you are arguing with her), nevertheless, she would still prepare a warm dinner for you after the heated argument has faded away.
The greatest of all things she has done for her life, is to give birth to your child (of course, the unbearable pain need not be mentioned here). She would continue to care and feed the child that carry your surname for many years to come no matter how naughty your child would be. On top of that, she also does the thing you that hated the most, i.e. doing housework, washing your clothes, sleep your child and tossing alone in the bedroom waiting for you at night for your return. For some of you, you would rather spend some time drinking with your friends at the bar and telling her that you have important assignments in the office, letting her to wait for your return in the living room till the wee hours of the morning . When you are down, she will be the first to encourage you. When you are happy, she would be the first to feel for your happiness before you open your mouth to tell her by looking at your face. When you achieve some good results at work or assignments, she feels the happiness with all her heart and pray to God to protect and bless you with more successes in the future. Despite all the above, you repay her by asking her to talk less and tell her not to bother your work. You ask her to sleep when she wanted to spend some precious time with you sharing with some simple happenings of the day. Sometimes, you are too proud to take her out when you are out with your friends. Can you feel that the suffering that she has to endure for the next 30 years of her life staying with someone like you? And for men, for the next 30 years, what do you do to repay her gratitude; you are only capable to continue to do what you know...to work

Please continue to appreciate the woman of your life..
If you noticed that if there any women whom start to show some sacrifices to you, your door to the days of happiness has opened before you ..
Please grab the opportunity to share the happiness with her and help her to be the man of her dreams..

Quote of the Day.

One Life, Live it

Last week Sunday morning at 2.30am, I couldn't sleep so I started to blog and I came across a blog when I was looking for holding hands images from google. There I found this singaporean blog and inspired by this young christian who has the fire of God so strong.

Do visit and enjoy his sharing & testimonials. http://www.andrew-ong.com

It's A Blessing Year...

1) You can shop for branded goods with Great discounted price!

2) You can buy properties with Slashed down price!

3) You can accumulates Cheap good funds and stocks!

4) You can travel further with Lower petrol price!

5) Better foreign exchanged!

What do you think?

Any comments?

There Is Always A Silver Lining In Every Dark Cloud..

Despite the current state of the global economy it is good to be reminded that in every dark cloud there is always a silver lining. So stay clam. There is no need to raise the red flag or press the panic button.

Just imagine you are in an elevator heading towards the penthouse. Midway through the journey up, the lift changes direction and moves to a lower floor. What do you do? Exit? You don't obviously. You will ride to the ground floor, Right?

The point here is when you put money into unit trusts, the goal is to make investment grow to meet long term objectives such as as retirement and children's education. Now the market has suddenly taken a detour just like the elevator. What should you do? Redeem? Or you hang on? If you redeem, you will lose out and you will not be able to fulfill your long term goals. It would be like exiting at the wrong floor. It is not advisable to do that.

Statistics has proven that whatever goes down will go up eventually. In times like this, it is imperative to stay calm and not lose focus. Practise ringgit cost averaging to ride out the volatility. Recognise this time as an ideal time for you to build a nest egg for the retirement or follow-up on other financial goals due to the low entry price of equities. This is also the time to consider transferring conservative savings such as fixed deposits and savings account and diversify them into selected equities as the potential returns over the long-term will outperform and certainly hedge for inflation.

And to quote Warren Buffet, "If you wait for the robins, spring will be over".

MFGAM Tey Kok Tai, Muar

SHARING....

Last Friday was the 1st week for 2009 in Brother Wong's house, A group meeting after the long holidays and the CNY festive season. Regular routines went round the clock again. As Su Wei shared on how God has helped each and everyone of us in taking our turns to share. I was pointed out on how, God has helped me to overcome from the obstacles that I've faced in my job. How it still keeps me going despite the current situation.

My sharing are very short and simple...(I was blessed to be optimistic)

1) GOD IS LOVE...................................LOVE MY JOB.

2) BELIEVE IN HIM.............................HAVE FAITH.

3) TRUST IN HIM.................................HAVE CONFIDENCE.

4) THOU SHALL NOT FEAR..................BE STRONG.

5) ASK AND YOU SHALL RECEIVE...............GOD WILL BLESS!

These words implanted in my heart and mind. That's how it applies to me in my job and to be positive in everything I do. I thanked God for all His blessings , honoring Him and value it. HE IS ALWAYS THERE HOLDING MY RIGHT HAND AND GUIDES ME. ^.^

"Love Meal" for Valentine's Day.

This year, for Valentine's Day, my hubby and I avoided the big crowd of youngsters out in town. Today, we celebrated it with home cooked, hand made pan mee and Petai prawns with sambal cooked by me for all my loved ones. Nothing really special but with all my effort on all the long hours preparing the "Love meal"....^.^ SWEET!

WARREN BUFFET'S ADVICE FOR 2009

We begin this New Year with dampened enthusiasm and dented optimism. Our happiness is diluted and our peace is threatened by the financial illness that has infected our families, organizations and nations. Everyone is desperate to find a remedy that will cure their financial illness and help them recover their financial health. They expect the financial experts to provide them with remedies, forgetting the fact that it is these experts who created this financial mess.

Every new year, I adopt a couple of old maxims as my beacons to guide my future. This self-prescribed therapy has ensured that with each passing year, I grow wiser and not older. This year, I invite you to tap into the financial wisdom of our elders along with me, and become financially wiser.

* Hard work: All hard work bring a profit, but mere talk leads only to poverty.
* Laziness: A sleeping lobster is carried away by the water current.
* Earnings: Never depend on a single source of income. [At least make your Investments get you second earning]
* Spending: If you buy things you don't need, you'll soon sell things you need. *Savings: Don't save what is left after spending; spend what is left after saving. *Borrowings: The borrower becomes the lender's slave.
* Accounting: It's no use carrying an umbrella, if your shoes are leaking.
* Auditing: Beware of little expenses; A small leak can sink a large ship.
*Risk-taking: Never test the depth of the river with both feet. [Have an alternate plan ready]
* Investment: Don't put all your eggs in one basket.

ln life, I'm certain that those who have already been practicing these principles remain financially healthy. I'm equally confident that those who resolve to start practicing these principles will quickly regain their financial health.

Let us become wiser and lead a happy, healthy, prosperous and peaceful life.

SMART INVESTING - THE DCA METHOD

The dollar cost averaging method (DCA) is one popular and effective method during turbulent times. All investors need to do is to invest a fixed sum during regular intervals. This approach will ensure that the investor gets the benefits of cost averaging. When the market drops, investors would be able to purchase more units of the same shares, and when the market improves, they would be able to purchase lesser units. In the Long run, investors will end up with more relatively cheaper units.

This would helps to build up a strong capital base to meet the financial goals in the future.

My first born turns 21 ...

On 9th February 1988 when I was 21 years old, I gave birth to my first born son after 14 hours of contractions off and on labour pain . He was premature and one month early before due. He weighed only 2.5 kg , tiny, red and a loud cryer. Though he was small, the doctor said; Don't worry your baby is healthy and strong. He cried loud and his heart was strong and working fine. Just a little bit yellow, we will see how it is in 2 days time if the condition get worse, we will have to give him the treatment for jaundice. Before 2 days time his condition already needed treatment so they put him under a blue light with his head wrapped up with those nets used for wrapping up fruits to cover his eyes from the UV light. It's was painful to see him naked, crying so long and exhausted from the light. I don't recall how long the treatment took...maybe it was 1 or 2 days time if I'm not mistaken?

Things were not prepared for him to arrive in Kuching cos everything was prepared in Ipoh. So, after the 4th day, we had to fly back to Ipoh. From that moment, I had to learn how to take care of him as a mother, and everything was a huge challenge for me because, I was still so young and mom did not give me any guidance. I learned everything from my in laws but they also expected me to know how to handle it naturally. Gee...handling my 1st baby was like a terror experiment. He cried almost of the time, and the only thing that stopped him was to feed him every 2 hours day and night! Every night I automatically got up every 2 hours to feed him before he called. It was exhausting and sometimes I felt blue cos my hubby was not there with me. He was back in kuching to work and I was in Ipoh, living with my in laws.

The chinese have the tradition, when the baby reaches a month old, they will celebrate his full moon month. My baby has doubled in weight and my hubby was back from Kuching to reunite with us for this special occasion. There were lots of ups and downs in our journey, bringing up our 1st child. It was not as simple as I thought it would be when I planned him into our lives. Though it was tough, the love between a mother and her child borns naturally deep in the heart. All the fuss in the past and messy work, were worthwhile when I saw him grew up into a young man today. My first born is already 21 today! He's my pride and joy!

So are the rest of my 4 babies who came after my 1st born, I love all of you too!

Thank God for His wonderful blessings! ^_^

Don't Miss The Boat___

While investors are looking for the ways to survive during these turbulent times, some may have overlooked the basic principles of investing and missed a good opportunity.

Everyone is casting a wait and see attitude. Too much uncertainty, lack of information and impending bad news may be the reasons for this mentality. People who are looking to take a dip into the share market, spend most of their lives waiting for the market to drop. And when it finally drops to a point where value is created, instead of adhering to the initial investment strategy to buy at the price originally intended, or psychological fear starts to creep in. Investors starts worrying that the market has not bottomed yet and by the time they regain their confidence and conviction through positive news from mass media, the market has probably regained its footing to a certain higher level. As the share market is an efficient leading indicator of the future economic situation, it leads to people buying when it's expensive. Ironic, but certainly very true. 'People generally like to buy when it's expensive'.

The market operates in cycles that are common knowledge to all. Wealth is to be created when market is down, when the future is at its bleakest and when everyone feels all hopes are lost, not the other way around......