Tomorrow is Pay Day

Tomorrow is pay day! Yipee! More money to my savings account and though it may not be much, a little at a time will build up to be a mountain. "Sedikit sedikit, lama lama jadi bukit" - there goes the Malay proverb. Money is a very sensitive issue to most people, even in churches like the one I attend. Instead of preaching more on grace and the goodness of God, they go back to the Old Testament and preach about law, obedience, works, etc. And the senior pastor keep harping on being RM6 million short to build the new church building. They already have RM4 million in their coffers already and the new building cost RM10M. I am just a small fry to make any significant contribution, but I hope some big developers like some of the church members will make up for the needed amount.

Looking Good Feels so Good

Making money to look good feels so good. At least there is a reason to work hard and spend that money to pamper yourself. Beauticians might like to check out cosmetology school in Wisconsin and learn the tricks of the trade on how to serve and service their customers. I once had a colleague who became a beautician as it has been her dream to work as one using cosmetics - than to type out boring valuation reports and to use Microsoft Excel to draw the apartment layout plan. Don't get me wrong, I love to earn my own income and always make it a point to keep some away for my retirement later on.

Just Came Back from KL

I was in KL for 3 days recently and just came back yesterday evening. The journey by car was tiring, sitting for 4+ hours or so. We set out early in the morning and was suppose to meet up a potential client but that was cancelled at the last minute as he was busy campaigning in Hulu Selangor in the by election. In the past, I have spent a lot of money on cosmetic creams, make up, lip stick, etc to look good in Singapore as most of the ladies there are well dressed with make up on. Incidentally, you might like to know that Singapore is the 5th richest nation in the world by GDP and purchasing power parity. I am glad to have the experience of staying and working in Singapore.

Making Money is Not that Important

I am now at a crossroad where making money is not the only goal to live for. I make a comfortable living from home but it gets boring when you cannot travel overseas with good friends to enjoy it. It is like a prison sentence where you continue to work and work for retirement and God only knows what is going to happen by then. There is no definite future and sometimes, I think it is pointless to keep accumnulating cash when you don't take holidays or leave from work to rejuvenate and relax. I know of a new blogger in her sixties trying to make money online by copying others, and then it hits her right smack in the face when she realizes the truth about making in big via the internet. The internet is full of cheats, people who have failed in life and tricksters trying to phish for your email accounts or bank account details.

Make Money through Investment

With the economic slowdown last year, many people have been out of jobs and are desperately seeking to make money through other ways. One of them is to invest in the different money instruments like government bonds, fixed deposits or even to buy gold bars via different companies. A lot of people who cannot maintain or hold on to their jobs might consider investment as a way to make money. I personally know of my ex-supervisor in a retail shop who keeps job hopping and never gets confirmed in any company she works for because she has a habit of coming to work later, sometimes up to 1 hour consistently. Such a person does not deserve employment and any company that hires her will have to close down soon. She is just too darn lazy with a bad working attitude giving lame excuses of tyre puncture all the time.

Money Talks : Transforming and restructuring healthcare to save cost – does it work?

The often given reason to transform and re-structure is money. It is often said that we are spending too much on health (3.6% of GDP in 2007 and 7% of total country expenditure). So we must cut down. For some reason, the rationale for this escapes me. We are hoping to spend even less and hoping to get better or equivalent healthcare. In others words, we wish to live longer and better while cutting down expenditure. I suppose the only way is to cut down the “leakages” in the system.

Anyway, the Government is looking at cutting down healthcare expenditure, saying that it can no longer afford to spend so much on healthcare. It is almost universal that when governments look to save healthcare cost, they turn to organisations to manage medical care for an agreed sum of money. So the government will set aside a certain amount of money (let’s say RM30bil), and ask the business managers to control healthcare spending.



What is the worldwide experience with SHIO?

In one simple word, BAD. In the US, some MCOs have, after collecting the money, defaulted and declared bankruptcy. MCOs have not done much good in the US. They are about to reform to come nearer to our system, if politics allow, with a public option. The UK-NHS system is full of shortcomings. There is still a waiting-list. Ask Singapore’s Minister Mentor about his experience when his wife fell ill in UK. That is why many from the UK and US come over to Thailand, India, South Africa, Singapore, and some to Malaysia, to get healthcare (medical tourism).

A Brilliant Company

I have been reading books on the stocks and to learn how to interpret financial reports in the newspapers. Also, I have recently open an online share trading account with Public Bank but am not in a hurry to trade yet until I know all the facts and figures and how to make money from the stock market. It is important to know how to read the charts and predict bull runs to make a gain. I plan to be a fundamental analysis investor or long term investor and not short term investor or also known as technical analysis investor.

There are ways to create alternative energy from waste. This is a brilliant idea that not many people are aware of. You might like to know that a company by the name of N-Viro International Corporation develops and licenses its technology to municipalities and private companies. Their patented processes use lime and/or mineral-rich, combustion byproducts to treat, pasteurize, immobilize and convert wastewater sludge and other bio-organic wastes into biomineral agricultural and soil-enrichment products with real market value. The company has generated sales in excess of $40 million dollars, since its initial public offering in October of 1993. With this huge share market capitalization, no wonder investors are ever ready to put in their money and faith in this brilliant idea and trust this company to deliver more profits. Their web site is at http://www.nviro.com where you can browse for more details.