.: HotCooler :.

Was talking to a friend just now and found out that he save every month but the money juz sit in the bank which give less than 1% interest a year! He was saying, he save $200/mth juz to leave it in bank and now has a few thousands already. He intend to save up to 5k and leave it in fix deposit to let the money grow. But! That’s too slow and money is depreciating! Inflation rate is about 2% and if you earn 1.5% a year through bank fix deposit rate, you are still depreciating your money! 

Fix deposit is risk free but has too little interest, even very low risk investment can beat the interest from banks! Alternatively, there are many other channels and instrument to make money work harder with 0% risk engagement.

Just collected my certificate from Shufen, yay!!~~~ I’ve officially completed the course in SGX (Singapore Exchange).  The SGX Futures Apprenticeship Programme is a course which allow people who have no finance background to get a feel of the finance sector in Singapore. We get to know more about trading of securities(shares), futures and eventually will be given a chance to step into the finance sector to service the industry. I’ve enjoyed myself and had a great eye opener over the weeks of training, from seeing how people could sit infront of the monitor with 150 heart beats per min to people who win or lose thousands a day.

The moment of decision. At the last week of my programme, i was given an offer to work for Phillips Capital as a broker cum network specialist. I couldn’t make any decision because i was considering the other choice as well - Prudential. And these choices may change my life from the moment i rest my heart on it. Both choices help service clients, both is in the financial sector, both is strict but interesting. And after fighting for sometime, i decided to join Prudential as a Financial Advisor.

I know SGX can earn lots of money and there’s prospect in the industry, but what i do everyday will be to look at money, learn how to earn money, how to expand money, very cold blooded industry with just money and money. My clients have to be rich and i will have to make them even richer. My world will revolve around something which is called to be the most “important” thing in the world. So cold blooded and practical.

In contrast with prudential, i will have the opportunity to help people around me see their needs which they have been ignoring or avoiding. I can still help people invest, plan, manage and protect their money, what’s more? Even their future! There’s a human touch in the job, and people around me can benefit from me as i extent my service to them. I can provide a way for those who want to enjoy a more stable life and help stretch every remaining dollar to it’s maximum. It’s a more fruitful and also more responsible job in my opinion because the job isn’t about earning money only.

Finally manage to squeeze some photos out from guowei on the outing to partyworld where we celebrated his bday on 9th of June. After looking at the photos, I think we still look like a bunch of ah bengs(kind hearted 1s) but we are not not lar.. we are actually nerds..

People say, picture paints a thousand words. And that is maybe the reason why i love to take photographs. Some of them brings you back to the place you’ve been, some brings back the emotions you were feeling then and some capture the moment which you will never have again in your lifetime.

I notice there’s a pattern on how pictures catch my attention, when they do, they not only capture my attention, they also captivate my emotions. Because the nicest picture i can find are those which are related to me. Related to how I feel most of the time. Related to the emotions i hide inside me…

Was feeling bored so asked Zhen to accompany me catch some action and demostration at old Police Academy. Took some pictures with the *ist D.

out of control emotions, complicated situation, questionable assumptions, tough decision, heavy heart..

If time will tell, I hope it can get simpler and better..