Penny and Cent

Moral story: A glass of milk

2012-04-25T18:20:00.000-07:00

KARMA
What goes around comes around, A good deed will yields another.

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"One day, a poor boy who was selling goods from door to door to pay his way through school, found he had only one thin dime left, and he was hungry.

He decided he would ask for a meal at the next house. However, he lost his nerve when a lovely young woman opened the door.
Instead of a meal he asked for a drink of water. She thought he looked hungry so brought him a large glass of milk. He drank it so slowly, and then asked,

"How much do I owe you?"

"You don't owe me anything," she replied. "Mother has taught us never to accept pay for a kindness."

He said ... "Then I thank you from the bottom of my heart."

As Howard Kelly left that house, he not only felt stronger physically, but his faith in God and man was strong also. He had been ready to give up and quit..

Many year's later that same young woman became critically ill. The local doctors were baffled. They finally sent her to the big city, where they called in specialists to study her rare disease.

Dr. Howard Kelly was called in for the consultation. When he heard the name of the town she came from, a strange light filled his eyes.

Immediately he rose and went down the hall of the hospital to her room.

Dressed in his doctor's gown he went in to see her. He recognized her at once.
He went back to the consultation room determined to do his best to save her life. From that day he gave special attention to her case.
After a long struggle, the battle was won.

Dr. Kelly requested the business office to pass the final bill to him for approval. He looked at it, then wrote something on the edge and the bill was sent to her room. She feared to open it, for she was sure it would take the rest of her life to pay for it all.

Finally she looked, and something caught her attention on the side of the bill. She read these words .. "Paid in full with one glass of milk"
(Signed) Dr. Howard Kelly.

Tears of joy flooded her eyes as her happy heart prayed: "Thank You God, that Your love has spread broad through human hearts and hands."
There's a saying which goes something like this: Bread cast on the waters comes back to you. The good deed you do today may benefit you or someone you love at the least expected time. If you never see the deed again at least you will have made the world a better place - And, after all, isn't that what life is all about?!"

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Get extra pocket money using credit cards

2012-04-24T05:19:00.002-07:00

After putting away the graduation cap and step into the working society.You will be introduced to the world of credit cards. Credit card allows you to purchase what you want on credit from the bank. Despite the disadvantage of incurring a high 24% interest and annual fees, you will be amazed that many working professional still hold on to a card or two. Although you may had came across stories or news of how deadly potent it is to be in a credit card debt but there are actually ways to get benefits from credit cards .

To attract customers, Credit Card have all sort of promotion

Tip 1
Pay your Telecom bill SINGTEL, STARHUB or M1 at at the AXS machine in singapore using CITIbank bill payment and earn points.This is different from from paying your bill online as it does not gain you any rewards point. After your rewards point hit the balance to exchange for cash rebate . redeem the cash rebate.

Tip 2
Use credit card that give you instant cash rebate. Since you are intending to buying the item, use a credit card that could let you gain rewards point

Tip 3
Sign up for credit card that give you a cash back reward. Use the cash to get something you like.

Tip 4
Create a win-win situation. Convince your family to pay their bill through your credit card which will yield rewards point for cash rebate.

TIP 5
Search for a credit card with free 2 years annual fee or life time .

Finally tip
When it is time to pay annual fees, make a call to the bank to waive off the charges. But if they do not comply, simply cancel the card

Saving Water, Saving Money

2012-04-04T22:04:00.000-07:00

Don't let the water go to waste

Water is a precious element that keep us alive in our daily life. Drinkable water are really limited around the world. Hopefully we’re all doing what we can to reduce our water consumption. Saving water can also save you a bit on the bill.

Water Tips
1. Shower water and water dispense by the washing machine can be reused for moping the floor and flushing the toilet. Although it is not a lot of money saved but you are doing your part for the environment.

2. Collected Rain Water and used water from washing vegetable and rice can be reused to water your plant.

3. Use low-flush toilets.

4. Taking showers rather than baths.

5. Turning the tap off between rinses when cleaning our teeth.

Repay student loan with your face

2012-04-03T15:21:00.000-07:00

Graduated and in debt
Here are Ross Harper and Ed Moyse, with combined student loan debt of £50,000 after graduating.

The graduate job market is incredibly hostile. "We've seen so many students unsuccessfully applying for jobs, only to eventually settle in a career that they never really wanted. It's just something a bit different and has taken off quite nicely.", and so we thought we'd try and bypass it altogether."

They came up with the idea after graduating in the summer as a scheme which would not require much investment.

The pair sold their first face ads to friends and family for just £1 a day but said if the days stayed at this price it would take a very long time to pay off their university debt. The price of days will increase gradually throughout the year.

To view their painted face on display. Go to their website, where their painted faces are on display.

This is a good way to get fast cash when the you are lost in the job market.

Investment: Important subject that school never teach

2012-03-31T05:57:00.000-07:00

Education system
We receive our education on various subject at school.

Missing Topic
But one of the most important subject - Financial Education was left out. Schools and colleges still does not provide Financial knowledge on stock investment or business investment. Though we learn mathematics or even calculus, but not how to analyse the stocks with addition and subtraction. Not to mention which is the fastest way using math to repay the huge amount of student loan most of us take up for a degree?

Knowledge is important
I feel that School are great, but there are more to life beyond school. it the place where we learn the basic skill.But We need to be street-smart rather than a dictionary of knowledge. Most stock or Forex investor I know learn from friends and relatives. Trouble occurs when they follow advices to buy stocks without doing any homework on the listed company. As the saying goes when investing on advice from peers "Buy together, Win together and Lose also together". There are more information other than the Stock price and currencies fluctuation in the stock exchange market to determine prices.

Knowledge of the stock market
The need to know the business when buying a stock is important. No one invest to lose money, but sometime the best student may also get burn in the stock market.

Word from author: "Currently i am writing another article on investing to be post on blog. Use the tab on the right. Subscribe to my blog to be among the first to read it."

Can you retire?

2012-03-30T05:03:00.000-07:00

Price Increase
10 years ago, a bowl of fish ball noodle used to cost $2. Today I went to "Kopitiam" food court and saw the same fish ball noodle, cost $3.80. Not only the price of food increase; price of goods and services from Utilities, transports to every of our daily little necessity have gone up almost double.

As the price of raw material and labor increase yearly, the price hike of goods are most likely to continue in future. With better healthcare, we all can have a longer lifespan.

Let calculate the use of retirement fund needed in the most ideal scenario
Let do a simple calculation, Let say cost of living double every 10 years. For someone who retire at age of 55 and is expected to live till 83. Today, At a age of 25, Joe Smith work as a investment banker with a good salary. He work hard everyday to acquires a saving of 1 million dollars for retirement.

A break-down of Current Monthly expenses for Smith
Food (breakfast, lunch, dinner and supper) - $400
Groceries - $ 200
Utilities and phone Bill - $300
Transport and car loan- $ 1000
Miscellanous fees - $600
Total per month: $2500
Total per year: $30,000

When he retires,although He trim down and spend a third of his current expenses. but after 30 years, price of goods have gone up 3 times thus his month expenses will still at $2500.

Joe retirement life
At Age 55 - Now Uncle Joe, retired with 1 million need spend $30k per year till 65. A total of 300k is needed for the 10 years.

At age 65 - He is left with 700k. Still healthy and growing strong but price gone up double. he need to spend 60k each year. That total up to 600k.

At age of 75. Grandpa Joe had used up 600k of his 700k and is left with 100k and cost of goods increase. He would have to part with 80k each year now.
With what he has left, he can only survive another 1 years to reach a age of 76.
In a ripe age of 76, rip of all his saving, he will need to apply for grant from social help center to continue his remaining year.

But here a question for everyone
The above concept is base on the ideology that Joe has a saving of 1 million dollars for retirement and during his retirement he is free from any major disease.

In reality, how many of us are able to save up to a million dollars before retirement?

OMG : After 6 years and 36 attemps, suddenly $180 million overnight

2012-03-29T03:48:00.013-07:00

Here's Charles.
He said in an interview with the New York Times on Monday “he only had $1,700 in his bank account the day before the acquisition.”A month ago he was set to close his business. This week, he sold Omg for $180 million. That's why he's smiling...

So what happened?
After 35 attempts at making games, the Omgpop team finally hit the jackpot at the beginning of February. The game, called “Draw Something” let user and their Facebook friends guess word by sending pictures drawn over mobile platform , iPhone and Android. Since it launched on Feb 6th, with 35 million downloads. It caught the attention of Zynga, the game company behind Farmville and other Facebook game hits. Zynga bought Omgpop from Charles for $180 million.

Perseverance or a Lucky strike ?
Is it worth the six years of trying and failing to reach the runaway success? Do you have the perseverance to continue to create a success after 35 failures? Although there is no insurance in life to guarantee that all hard work will result in good yield, but as long as there determination, success will come. This is another example of hyper-growth that comes from getting your surf board back out there again and again to make a story for yourself.

Moral Story: A $100 Story

2012-03-27T08:08:00.013-07:00

Foreword

A sentimental feeling filled my heart after reading the below article. It remind us who are working so hard in life. We should not let time slip without having spent some time with those who really matter to us, those close to our hearts.

Work vs Family
If we die tomorrow, the company that we are working for could easily replace us in a matter of days. But the family & friends we leave behind will feel the loss for the rest of their lives. And come to think of it, we pour ourselves more into work than to our family.

Below an article quoted from a site I came across

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"A man came home from work late, tired and irritated, to find his
6-year old son waiting for him at the door.
SON: "Daddy, may I ask you a question?"
DAD: "Yeah sure, what is it?" replied the man.
Son: "Daddy, how much do you make an hour?"
DAD: "That's none of your business. Why do you ask such a thing?"
the man said angrily.
SON: "I just want to know. Please tell me, how much do you make an hour?"
DAD: "If you must know, I make $100 an hour."
SON: "Oh," the little boy replied, with his head down.
SON: "Daddy, may I please borrow $50?"
The father was furious, "If the only reason you asked that is so you can borrow some money to buy a silly toy or some other nonsense, then you march yourself straight to your room and go to bed. Think about why you are being so selfish. I work hard everyday for such this childish behavior."
The little boy quietly went to his room and shut the door.
The man sat down and started to get even angrier about the little boy's questions. How dare he ask such questions only to get some money?
After about an hour or so, the man had calmed down, and started to think: Maybe there was something he really needed to buy with that $50 and he really didn't ask for money often. The man went to the door of the little boy's room and opened the door.
"Are you asleep, son?" He asked.
"No daddy, I'm awake," replied the boy.
"I've been thinking, maybe I was too hard on you earlier" said the man.
"It's been a long day and I took out my aggravation on you.. Here's the $50 you asked for."
The little boy sat straight up, smiling. "Oh, thank you daddy!" He yelled.
Then, reaching under his pillow he pulled out some crumpled up bills.
The man saw that the boy already had money, started to get angry again. The little boy slowly counted out his money, and then looked up at his father.
"Why do you want more money if you already have some?" the father grumbled.
"Because I didn't have enough, but now I do," the little boy replied.
"Daddy, I have $100 now. Can I buy an hour of your time?
Please come home early tomorrow. I would like to have dinner with you."
The father was crushed. He put his arms around his little son, and he begged for his forgiveness.
"

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Tip 3 Maximise the time we have

2012-03-26T19:38:00.002-07:00

Use your time wisely
We each have 24 hours a day, but how many of us are putting the time to good use?

Current Habits observed
With the advance of today technology, many of us are becoming keyboard warriors busy with devices that connect us to the internet. Some may developed the habit of logging in to Facebook to check how their in-game crops have grown, or latest update from friends and also chatting with friends. while some will be twittering their life happening. These are good time-saving socialization skills but it does take too much of our time as these information are coming in every secs.

Schedule our time wisely
A good habit is to list down all the things we have to do. After which, we should prioritize these items and promptly carry out them. Never leave a thing for tomorrow, as new works will come when we least expect.

Tip 2 Protect your most valuable asset: Health

2012-03-25T20:48:00.000-07:00

Foreword

"What, $4658.12 for staying in hospital for a week?" My dad was astonished when he was settling the hospital bill for my grandma as she discharged from hospital. This was quite a huge amount as my grandma was not protected under medical insurance.

The Truth we must face

Growing old and falling sick is an inevitable situation which everyone may face. The rule of nature "Everyone will one day get old and fall ill." We can only prevent and be prepared. But how many of us are able to afford the sky rocketing medical bill.

A few tips to stay healthy

- Take the stairs whenever there is the chance: Going to work, office

- If your office is not too far, jog to work or ride a bicycle. (I have seem in Australia, where riding to city to work is quite common

- jog in the stadium or park during weekend

- be a good neighbor and help to leash their dog

- Eat healthy food, avoid deep fried and fast food

- Sleep early and wake up early

-You don't need to sign up any gym membership. There are facility without charges which we can utilize around us.

Medical Insurance

Unless, your employer has bought a medical insurance for you. To prepare for future, It is good to be equipped with a medical insurance. There are many types of insurances in the market, do approach a few and find the suitable one for yourself.

I will post more on financial tip

Moral story: Life of Rich and Poor

2012-03-24T23:21:00.006-07:00

An Interesting story
I read this article not long ago, inspiring story to share with readers. It is true that we live our life as how we view it to be. Sometime, As grown-up we may miss some views that a toddler perceive.

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"One day the father of a very wealthy family took his son on a trip to the country with the firm purpose of showing his son how poor people live. They spent a couple of days and nights on the farm of what would be considered a very poor family. On their return from their trip, the father asked his son, “How was the trip?”

“It was great, Dad.”

“Did you see how poor people live?” the father asked.

“Oh yeah,” said the son.

“So, tell me, what did you learn from the trip?” asked the father.

The son answered: “I saw that we have one dog and they had four.

We have a pool that reaches to the middle of our garden and they have a creek that has no end.

We have imported lanterns in our garden and they have the stars at night.

Our patio reaches to the front yard and they have the whole horizon.

We have a small piece of land to live on and they have fields that go beyond our sight.

We have servants who serve us, but they serve others.

We buy our food, but they grow theirs.

We have walls around our property to protect us, they have friends to protect them.”

The boy’s father was speechless. Then his son added, “Thanks, Dad, for showing me how poor we are.”"

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Moral Story: The 2 Fishermen

2012-03-17T00:35:00.012-07:00

Satisfaction with life

Most of us have dream of great achievement. But in the end we get back to where we start. Although the fisherman who come back from the city may be more well-off, while his friend who stay on in the village may have to live a simple life. In life, the most important is what result we want to achieve and have we already achieve our goal.

I once read the below article online.

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" In a fishing village, lived 2 fishermen who grew up together. They sit on a quiet beach, each day they catch fish, some to eat, some to sell to make a living.

Then one day, one of the fisherman A says “I want to try to achieve something for myself…. I want to become something! Go out into the world and become a success! I’m going to do it"

As his good Buddy, The other, contented fisherman B says “I wish you the best my friend, but I enjoy the life here”

Fisherman A left the village, works hard, gets a corporate / office job. Climbs the “corporate ladder” (back-stabbing and keeping his guard up to prevent any back-stab) and builds his wealth. He gets the corporate car, awesome promotion, retirement savings account.

But after a few years, tired of the politics and stress, the withered fisherman A decide to retire from the corporate world.

…..where do you think he retires to…????

He returns to the fishermen village. He picks up a fishing pole and sits next to his old friend.

He turns to his old friend and proudly says “Hows everything? I missed it so much here. I worked so hard, made something of myself, made some money, and now I have return”

The long time friend cheerfully replies, “Welcome back, I’ve been enjoying life right here all along”."

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Knowledge sharing in knowledge economy

2012-03-06T02:52:00.013-08:00

Education as it is

In a world of today, where answers to almost all questions can found through the web. Education in the past where Knowledge gathering from book , manuscript and experience will soon be obsolete. Analytical and creative brain will be more soughed after than the old fashion data absorbing sponge of old time education.

Knowledge is important

Knowledge to all of us is power, Knowledge not shared will be of no value. In today society, everyone is a vessel of information to be explored and archived into database. Take the famous Facebook for example, We are updating information about ourselves on Facebook. Facebook use this information to send the correct advertisement to us when we log in , earning them revenues. As a singularity , our individual data may be insignificant. But with a mind blowing population on Facebook, data-minding on these information to knowledge will be a huge business.

To me, I will like to contribute by sharing what little I have in this sharing era in hope more people reading my blog can benefits financially. If each of us willing to share with another person our knowledge, not expecting anything in return; wouldn't it be a better world.

Dear reader, What are your view for current massive knowledge that are available online.

Differentiate between wants and needs

2012-03-05T02:08:00.000-08:00

The working class
Most people are not heir to a large inherited fortune. The amount of money we have in our bank are gain in exchange for our effort and time at work. Like all living things, we need to live on basic necessity such as food and water. There are choices of delicacy to ease our hunger, there are tons of seductive lifestyle for us to live in which sometime come with a price. Balancing the limited amount of cash and the daily expenses to live our lifestyle could be at time stressful .

Making choices between needs and wants
Needs - necessitate for our survival
Wants - What we desire but not essential for survival
It will be good if we can identify the needs before spending on the wants if we are on tight budget. We need to consume food be it breakfast , lunch or dinner everyday. A normal meal will provide us with the energy we need to go by the day. we have a choice; eat a simple economic meal or an expensive meal at a prose restaurant. By making a economical choice by eating a simple meal or having the home prepared lunch by our loved-one will defiantly satisfy our daily hunger.

Evaluating wants
Do we really need the latest phone, a BMW or the new dress in this season? It depend on how much we are utilizing these new purchase. Will these artifacts aids and boosts us for our job? For sales personal who clinch deal, I will say these will boost customer confidence as it is without any argument that to determine successful is a salesman at first glance, depend on what he/she can afford. I not saying looking good is the only way to get deal, but in the business world, equipped with these items will portrait a better sales image. It may be a winning token if the customer is comparing between 2 sales agents. On the other hand, spending the whole monthly spending on the latest phone , car or luxury goods to look glamorous in front of peers now but suffer later with a few weeks of empty stomach.

Dear reader, do share your view on my post and subscribe to my blog as I update Tip 2

Tip 1: Spend wisely

2012-02-29T05:03:00.012-08:00

Frugal

The word "frugal" may sound familiar to most, a word of virtue which teach us to avoid waste and luxury. But how many of us are able to resist the temptation that explode our craving to get our desired goods through advertisements?

Is it hard in a spending culture?

We live in a society with booming consumer culture. Businesses will get every chances to urge us to spend, spend and spend through any form of advertisements (internet, paper, television, radio). Any media, customer come into contact with is a good advertising board. Consciously and unconsciously been brain-washed day-in, day-out, not many of us can withstand the "motivation"; as it will clearly be a fail advertisement if our attention is not drawn towards it.

We have cards
This "spend now, worry later" predominant message will unleash the chain to our credit cards. And with our 3x salary credit limit, we tend to ignore the expensive price tag on the our new desired items and overspend. After the shopping spree, we return with our luxury trophies all on credit. Our journey to diet or what ever we can scrap will begin after the hefty credit appear at our door steps.

Any help?
If you think you are an uncontrolled spender loved by the credit cards company. I would suggest for you to cancel all credit cards, have a monthly fix deposits saving to another bank and practice to differentiate between wants and needs.

To all readers
Hope you like my post. Any comments(good or bad) are welcome as a guide to improve my blog.

More on differentiate between wants and needs on next post . . .

Want to be financial free?

2012-02-07T02:27:00.001-08:00

We can't work forever
For most of us, our greatest assets is our living body. But as we aged, meeting the requirement for our daily job seem further and further away.

We all maybe able to live longer in the future
With better technology and health care, We will be able to have a longer life expectancy. Not to forget, the human body like an asset, will depreciate in heath gradually. Though there are medical solution available, there is an expensive price tag to each solution, and how many of us could actually keep up with the medical cost after we retire?
There is no guarantee that our body will not fail us one day, be it illness , accident or aging.

Even we can, we may lose our job
Most individual receive their main source of income from their 9 to 5 work, this maybe their only source to live by each day. In today society, it is hard to find a retrenchment-free job. Businesses may fail or restructured and loyal employees may get lay off.

Life as it is
Some of us live to work while Others work to live. Work is a means to earn ourselves a living. How many of us, are enduring the time at work which does not fit our personality but doing it for survival.

Not Depending on offspring for care during old age
It is a well known filial piety Asian culture in the most Asia family oriented country to be good towards parents. This concept seem to putting all hope for old age care on the children, but would it be better and more fulfilling if one could live through his life without depending anyone? But I do urge everyone to support their parents till their last for the reason that they are your life giver.

Be vigilant and prepare
Concluding from the above points, we should not depend the ideology of living comfortably with a 9 to 5 job but with the will to be financially independent.

Next post I will write more on small tips to achieve financial freedom.

Financial freedom

2012-02-04T19:38:00.000-08:00

Financial Freedom
As long as we are living ,the need for money never cease. But we cannot possibly keep working until our last breath thus we need a sustainable pot of gold for us to retire without monetary worries. Many of us want to be rich but how many of us actually work toward it?

Is Achieving Financial Freedom is Dream to most of us?

I was brought up in a poor family, my dad was the sole breadwinner in a house of 6. We have to make do with what was left after paying the necessaries. During my childhood, Having a toy was god-send, Me and my sibling were entertaining ourselves with roll-up news paper fight, paper folding and catching insects. This period like many families; My parents do argue about shortage of cash when my dad was out of job., I came to know having enough cash to support one family is essential. When I enter the work force, I came to know that money is earn in exchange for time input by the worker. This concept was illustrated very well in the movie "In Time".

What is financial freedom?

Financial freedom is the state whereby you can generate an amount of passive income to maintain your current lifestyle without you having to work. Passive income maybe in form of dividends, investments, royalties, businesses, property and other assets.

If you are able to reach financial freedom, you will no longer be jailed to your routine job where time you put in is exchange for cash. You are free to determine how to live everyday of your life and not restricted by the daily time abiding job.

In my next post, I will write more on the need to be financial free

Parliament of Victoria

2011-11-29T15:44:00.001-08:00

Parliament of Victoria in Melbourne - famous location for wedding photo shoot.
Looking at the crystal blue sky and walking along the path, is like walking into a elegant painting.

Location:

View Larger Map

Joy of life

2011-11-26T01:37:00.000-08:00

To bring joy to others is the joy of life

Live Once and live it well

2011-11-23T14:05:00.001-08:00

Everyone is given a chance of 24 hours each day to fulfill their wonderful dream, that is why I always believe that life is fair to certain extend.

Although the unenviable hard truth is that most of us had to use this time to exchange for cash in order to survive, I strongly feel that there is more in life other than just earning money.

A wise man once said "you only live once, live it well . . don't chase the shadow of others . ."

How true is this diagram

2011-11-23T05:46:00.000-08:00

I feel it all more on the character of the person and how deep he or she is attached to the relationship.

Do wish every couple in the world a happy relationship. .

The symbol of holding hands

2011-11-23T05:27:00.002-08:00

Holding on to your Dearest
What is the true meaning behind holding hands, everybody does it but why?

Most people think that holding hands for human actually relate to romance or intimacy; but it has a higher meaning . . It mean "We are together", this action cannot be accomplish just by a single hand. When human hold hands, you will notice both hands are clinch together. When one hand is left alone, it really hard for a single hand to make any claps without any companionship.

Example

A mother will hold her child hand, letting the child know, mummy is with you through the sense of touch when both hands bond together.
Siblings will hold each other hands with motto "In our family, we are with each other"
A couple will show this as gesture "we are together, and we care for each other" to each other by holding hands showing they are together and not afraid to hide it.
Newly-wed couple walks down to welcome their family and friends in pair.

About me

2010-03-27T08:22:00.013-07:00

Greetings, fellow reader!

I am the author of "Penny and cent", call me J. I grew up in a less privileged family, survived it, went to college, got good grades, a good job.

But I realized that in order to achieve financial freedom I need more than that. I am not a professional financial expert or any ability to overcome financial debt. Rather, my story are how I survive through with whatever I have. I wish that sharing my life experience and helping each other get on the fast track to financial freedom.

Contact me: aces1111@gmail.com

What I’ve written here might be too much to absorb in one reading. So don’t hesitate
to check back often

My ultimate dream is to travel around to the world to experience different culture and lifestyle. After which, I would blog on the interesting stuffs encountered through the trip.

Disclaimer: This blog is purely based on my humble knowledge and experiences up to the point of writing. Take what I say with a pinch of salt and not as the absolute truth. I could be wrong. As time goes, my opinion on many of the topics that I have written about will change. So don’t take it as a holy grail.

YOU are responsible for your own actions and any damage that results from applying the techniques presented in this blog. None of the material is not to be taken as medical, legal or personal advice. =P

Happy new year 2009

2008-12-31T16:44:00.000-08:00

As a new year begin, I would like to start a blog to fulfill my new year resolution " to be able to be financially free ".