The problem solver

haha my friends always say i am the kind to solve problems....true enough...i do...I solve problems for my parents, for my gf, for my friends, for ppl i dun know, for banks world wide...and I enjoy doing it...i like the sense of satisfaction when I solve the problem and the joy of the ppl when their problems are solved...The essence of problem solving come from focusing on what is the solution rather than y the problem occured...

tink that's y i have grown to like my job more and more now...providing advice to banks in terms of credit risk and asset liability management...initially i still felt that this job was too technical...but after doing it...credit risk is a pretty interesting topic...it shld at least interest me for the next 1-2 years...

Actually in many cases, the problem of people lie in not having enough $...excluding the rich, who really has enough $....honestly to me, am0ngst family, relatives and friends, $ is nothing...if i had to make a choice between $ and any of the above...the choice would definitely not be $...

but no one can deny the fact that sometimes a little $ can make us happier...to buy that pair of shoes u wanted? to buy that car u wan? to buy that house u dream of? or just to buy gf or bf something nice?

So this post is dedicated to ppl who are willing to make abit more $ from their current $...after doing so much research and calculations...i have concluded one can never get rich or enjoy life by just working...do you seriously think u can buy a house, a car, support ur family, pay ur bills and have a large some of $ at the end of the day for ur retirement? simple calculations will tell u it's pretty hard...unless u strike toto or big sweep...

I feel happy that I have helped a few friends realise that with a few simple methods and a little effort will bring u quite a lot of $ 10-20 years from now...and some of them now are even better than me and even more enthu than me...haha my dream is to travel the world...when I am still healthy and able to walk....not to travel when i need to sit in a wheel chair and needs someone to push me around...

I already have the plans to reach this goal....just whether it will succeed....I dun mind sharing it with you...as long as u are willing to spend a little effort (maybe just half an hour a day)....haha it may sound like day dreaming to say that you will hit ur first million within 15 years...but honestly, it's not that hard either...here's the risk for you...if u only believe me 15 years later when i succeed....u already wasted 15 golden years of ur life...

what's the catch? do i earn any $ from advising you...nope...i do not earn a single cent at all...i may even risk being labelled a crazy person...that's y i do not want to be a financial advisor which everyone is asking me to do...i dun tink it's ethical to sell products to my frens which are far more expensive than other sources...my advice to you is purely FOC...no strings attached...my reward comes from seeing other ppl's happpiness....

haha so what makes me qualified to advise you...i dun have CFA, no degree in finance, nv sold any financial products b4...lol....i dun know how to convince you on that...maybe i can tell you i spent 12 hrs a day for the past year...studying the markets and where to get the best deals and rates? haha but i tink the best thing abt my advice is there is no $ involved...what your financial advisors are telling or selling u are not 100% accurate for sure...simply because their rice bowl is involved...do they tell u that u can buy the same product online for half the price??

I tink i am writing this post cos I am bored to death studying for exams....memorising knowledge that I know I wont be using ever again once the paper is over...i dun mind conducting a lecture on investing and financial knowledge now...haha..

Going to rain liao...time to take a nap...

Trade updates...

Long time nv update my trades cos really too busy....

Exit BBR with abt abt a 20% profit...not bad...but held on for quite long...ZGJL still suspended.. sigh...when will it settle its audit problems...Unit trusts doing quite well....my switching/compounding technique reaping quite good profits and my best performer is Thailand!! haha...i always buy low and sell high...Made around 6-7 % for UOB Gold fund and Lion Cap Malaysia within 2 weeks but shld have held on abit more to hit 10%...too conservative..though other ppl might beg to differ...

Just sold my AIA unit trusts too...16% returns for abt 3 quarters...not too bad...but could have been better if not for the high sales charge the agents charge...it was my first purchase of UT...learnt a lesson on high sales charge...not making the same mistake again...

new investments and profits of about 10% for the 1st quarter of 2007....not bad considering major corrections in Feb...my outlook is more corrections on the way...it's abt time to take profit...but do stay invested but have some spare cash to buy when the market corrects...good time for bonds which are cheap now...

Stopped playing forex for a while cos no time to do much analysis and follow the movements which are super volatile....concentrating firepower on options now...hope everything works out...

Photo updates...

haha once in a while when i transfer the pics from my hp to my comp, i will post them up...enjoy...

haha small bottles of jam i got from a hotel breakfast...the bottles were quite cute...one of them is honey flavoured...

Unagi Egg Sandwich...haha nice!!

Damaged lecture theatre chairs...i wonder why i pay thousands of dollars worth of school fees and yet I cant even get a proper LT chair and table

If you look closely enough right in the middle of the picture, the LT chair does not even have a table ... simply because it has been damaged...welcome to my school which follows a motto when doing things:" STUDENTS WELFARE NOT V IMPT, JUST MAKE THE SCHOOL LOOK NICE FROM THE OUTSIDE, WHEN STUDENTS COMPLAIN, JUST BEAT AROUND THE BUSH AND SAY WE WILL TAKE ACTIONS TO IMPROVE THE SITUATION"

Nice bento set...

A very very very very shitty and FFFFFF up month

I dun usually put such a vulgar title on my blog...But i really cant find any better word to describe the month of March and April 2007....so much irritating, shitty and disappointing stuff has happened in these 2 mths that i am a little resigned to fate...resigning to fate is something so uncharacteristic of me...i usually pursue what i wan with great determination and spirits...actually i am a little lazy to blog everything..but i really wan to vent everything out...

the top rubbish and irritating thing is my FYP....well i handed up my 130 page report...my prof tinks it's is a brilliant piece of work and wants to publish a conference paper on it...a FYP report worth of publishing..shld be not bad rite...few days later...my examiner emailed me to see him...the moment i stepped in...bad comments nv stopped...as if that was the worst paper he ever read...the intro was wrong, the literature review was wrong, the REFERENCE PAGE number was wrong...ya REFERENCE PAGE number....wth....that's not all...wrong use of tense in 2 sentences, u name it, i have the error...

The thing is some of the stuff was not wrong!!! and no matter how i explained ...the examiner who is the director of some research stuff (who thinks he is the best in the whole world) just simply tinks that i did a lousy job...FINE!!!!! welcome to the world of unfair grading...the same report...seen by different prof...2 entirely different comments...i thought they shld have graded it together???????!!!!!!!!!!!!!!!!! nvm i dun really care not...watever u wan me to edit i will...watever comments u give me i will take it...watever smiles it requires me to make u happy, i will give it to u...u know what....it's because i dun care...i have no feelings in my course, in my project, in my academic relation with u...

AND i seriously tink there is anything to be arrogant abt being director of research at a local school...maybe i will respect u if you are the research director of MIT or Harvard...only when that day arrives, i will salute u .....for now u r just nothing...I dun really expect any good grades now...i am very sure i will not have anythying to do with computer programming in my career.. the degree is just a passport to the interviews...

AND the ironic thing is I want to thank my school for something....it's the chance to go to USA and have such a great time...honestly, although i really struggled over there in terms of academics, it was still the best semester of my university life...the road trips, the back packing trips, the wonderful campus and living environment--->simply fantastic....It's funny to feel that the best time of uni life was not spent in the home uni...lol

Enough abt FYP....a super reckless driver scratched my car today...i was stationary and he just reversed to scratch my car....ok he apologised..but i was still pissed...also not feeling v healthy these few weeks....with headaches, stomachaches and passing fevers....wat is wrong??

And yes I am jealous and very envious of some ppl and irritated by them....they r just plain lucky...a snap of a finger and they get a nice car, a nice overseas trip, etc...but i work my socks off for everything...ya it's true that i have alot of nice stuff like my palm, my xbox 360, my lcd tv etc...but i can proudly say that i really earned them...every cent of them earned from my business, trading, investments and working as a credit risk consultant....I just wish these ppl could be more considerate and please dun build ur happiness at my expense....

I suddenly forgot wat else went wrong...maybe that's a good sign...if you read till here, i wan to thank you for taking time off to listen to my ranting...i shall take back the sentence on resigning to fate...haha...i have a funny thought now...i wan to earn lots of $$$, buy that idiot's lab and let an undergrad be his boss....

on a better note...i really enjoyed the company of my family, my dear, my relatives and all my friends over the past month...life is really abt these ppl...nothing else....

*km uses one leg and kicks FYP to Lau Pat Sat (Lao Ba Sha)*