Sometimes, you never know how much someone means to you until you are holding her hands.

Then, you begin to ask yourself why are you always being a fucking jerk.

Thanks dear.

Perhaps I am so caught up with my new phase of life that I have made other people feel insignificant.

FUCK. I want to write all my feelings down, and yet these feelings are too personal for anyone else to know.

Oh well... anyway my birthday's coming up... 2nd sept... those that didnt reply better do so!!

What will happen if you decide to stop working one day? will you have money to maintain your present standard of living?

How many months you can go on after you stop working can be defined as your wealth. Yes, wealth is actually your streams of passive income. Nothing else.

So who is truly wealthy? Those professionals with big paychecks but spend like there's no tomorrow? Or those mid level managers with sound financial education and have been building up their portfolios of passive income?

When do you want to be financially free? do you have any strategies in mind? or are you just following what your parents have been doing?

For me, my 21 years of life has been the ideal blueprint that my parents approve of. Go to primary school, be in EM2 at least, then a good secondary school, preferably special stream, then to a good JC, preferably triple science (Biology is good! you can be a doctor!) , then get a good course in uni, hopefully medicine or architecture or accountancy or engineering or business...

Do I have any say in that? No. Because the path that I took is the path my parents longed to have. They have my interests at heart when planning this path out for me.

Am I complaining? Of course not! This path, though similar to most of my peers, has led me to realise that, besides academic education, professional education and financial education are equally important.

I am now in NTU learning my skills, probably to be an accountant or banking related field. I am training to be an employee.

I am fine with being an employee, after that it is all about job security and yada yada right?

WRONG.

The "iron rice bowl" has been a thing of the past. We are now in the Information Age, not the Industrial Age. Information, relevant, useful and the lastest information, will secure your future. Your knowledge will be the beacon for your career. Financial know-how will free you from the confines of your office. Heck, you can quit the next day and still live like a KING!

That will be great right?

But are you prepared to pay the price? Are you willing to learn? Are you wiling to polish up your financial knowledge? Or are you more secure in basking in the false comfy feeling of job security? What makes you think your degree is enough?

For me, I still have a lot to learn. Life is a journey anyway.

But I will resolve to build up my professional education. Qualifying for double specialisation is my aim.

My second aim is to polish my financial education. I aim to have at least 2 streams of passive income when I graduate.

My last aim is equally as important as the above: to treasure my loved ones, and never take them for granted.


........


WOW I did talk alot man.... haha... ok go and makan, maybe return the fridge (sorry...) and then back to study!


I am A NERD!!!


wahahahhaha

My dreams

Finally i'm a NTU student now! i know this sounds stupid, but i WAs really TOUCHED when i received my matriculation card!!

NAH.

HA hA

The truth is, I'm really lucky to be in NTU accountancy. The vice dean said that after my year of enrolment(in 2004 i think), the minimum grade is at least a 3 As!!

Oh man... better treasure my place here and study hard!

Do you guys believe that a good university degree will get you a good job? Do you want to work until you retire? How can you be rich even without working?

I must admit that I am influenced by wealth gurus like Warren Buffett, Peter Lynch, Robert Kiyosaki and even our very own Adam Khoo! I sincerely believe that beside working at a full time job, there are other ways to earn money too, like investing (NOT speculating), setting up your online business, real estate etc.

However, I have seen my Dad slog so hard for my family. His advice to me is: stuy hardm get a good degree, get a well paying job and stick to it. Learn to live below your means. Save money. Don't invest as it is risky. Being rich has alot of problems. It is not just my Dad who tells me that. Practically everyone I know and respect dishes out similiar advice from time to time. Their well-meaning advice has been ingrained in my mind, and I have (GASP!) even started to dislike richness!

How can I bear not to listen to my Dad's advice and see the look of disappointment and frustration in his eyes? How can I just shake off the financial conditioning of my upbringing and indirectly tell my elders that their money beliefs have been wrong all the while?

Definitely, a good degree is important. It surely makes your name card look impressive! However, I really wonder if I am able to work for 30 years, always looking forward to the next paycheck?

So, this is my resolution. In my 3 years in NTU, I will study hard to get a good degree, and I will make sure that I will create 2 streams of income by the time I graduate. Impossible? Very likely, but to quote from my JC, Passion creates Possibilities!