Thursday, October 30, 2008

爱情投资学么?

愛情與經濟學看似兩種不相干甚至互斥的事物,然而其實愛情也是一種投資,也需要盤算計較,有人賺到終身幸福,有人賠到痛不欲生。美國著名經濟學家、政經評論家、電視節目主持人班.史坦(Ben Stein)在紐約時報撰文,道出其中奧祕:
 我在紐約哥倫比亞大學的經濟學老師哈里斯告訴學生:經濟學就是研究如何分配稀有商品與勞務的一門學問。這世上還有什麼比愛情更稀有珍貴?愛情不僅稀有、 難得,而且往往相當脆弱。我這輩子主修的學問其實是愛情,其次才是經濟學。因此本文要融合這兩個領域,提出「愛情經濟學」(the economics of love)的運作規則。

 投資與收益

 一般而言,愛情收益與你投資的時間和心力大致上成正比。如果你投入的是關懷、耐心與無私,那麼你也會得到這三種收益。當然,愛情不能是一廂情願的苦戀,對方也必須愛你。

 優質投資對象

 在債券市場上,有人堅信垃圾債券是發大財的終南捷徑。其實不然,高信用品質債券的殖利率總是高於垃圾債券。愛情亦復如是,你必須投資優質的對象,找到了就長期持有,一旦變質趕快脫手。垃圾愛情或許像垃圾債券一樣金玉其外,然而垃圾終究是垃圾。

 下工夫作研究

 想靠投資賺錢就得好好做功課,想擁有美好愛情不能指望運氣,尤其切記不要只注重外表,光鮮亮麗的誘惑可能潛藏危機陷阱。對大多數人而言,愛情不太可能分散投資,因此我們在選定對象之前,一定要下一番研究工夫。

 壟斷才是王道

 獨門生意想不賺錢也難,長期的感情關係也應該從一而終,不能心懷貳志。如果你的愛情被第三者分一杯羹,如果競爭者威脅已經出現,那麼還是做個了斷吧。

 衡量成本收益

 愛情的投資要精打細算,虧本生意做不得也。投資一段時間之後,如果收益還是不敷成本,建議你考慮認賠殺出。

 需作長期投資

 但是,成功的愛情投資也需要長遠的眼光。以股市為喻,做當日沖銷的炒家如果沒有內幕消息或者操控市場的能耐,殺進殺出的結果恐怕是丟盔棄甲。回到愛情領域,短暫的天雷勾動地火固然刺激,終究不如細水長流的兩相廝守。

 避免不切實際

 保持務實心態非常重要。如果你的期望太不切實際,失望落空的風險自然居高不下。就算撿到天上掉下來的禮物,只怕包裝紙拆掉之後,你會消受不了。

 要珍惜眼前人

 如果你已經擁有美好的情感關係,一定要好好珍惜,不要見異思遷。好不容易找到績優股,當然不應該賣。

 養狗貓有寄託

 養幾隻貓貓狗狗,生活樂趣無窮,讓我們更能夠面對人生的逆境,享受不虞匱乏的情感滋潤。

 富蘭克林說的好:「世上只有三位最忠實的朋友﹔老妻,老狗和現金。」




面對愛情要像投資股票一樣:
暗戀 → 把握消息面
追求 → 迅速買進
熱戀 → 加碼進場
苦戀 → 把持資本
失戀 → 轉買基金
一夜情 → 當日沖銷
一見鍾情 → 順勢操作
發現不合 → 要當即拋售
屢戰屢敗 → 還是去存定存吧…

Tuesday, October 28, 2008

Can i buy you an hour time?

A man came home from work late, tired and irritated, to find his 5-year old son waiting for him at the door.

SON: 'Daddy, may I ask you a question?'

DAD: 'Yeah sure, what it is?' 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 $50 an hour.'

SON: 'Oh,' the little boy replied, with his head down.

SON: 'Daddy, may I please borrow $25?'

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 don't work hard everyday for such childish frivolities.'

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 $25.00 and he really didn't ask for money very often The man went to the door of the little boy's room a! nd opene d 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 $25 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 $50 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.


It's just a short reminder to all of you working so hard in life. We should not let time slip through our fingers without having spent some time with those who really matter to us, those close to our hearts. Do remember to share that $50 worth of your time with someone you love.


If we die tomorrow, the company that we are working for could easily replace us in a matter of hours. But the family & friends we leave behind will feel the loss for the rest of their lives.

New Saman Rates

BIL

JENIS

KADAR KOMPAUN LAMA

KADAR KOMPAUN BARU

KESALAHAN

KENDERAAN

1.

KEMALANGAN
(TIDAK MELIBATKAN KES NC)

LORI / BAS /
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 300
RM 300
RM 300

RM 200
RM 150
RM 100

2.

PANDU LAJU

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 150
RM 150
RM 150

RM 90
RM 70
RM 50

3.

TIDAK PAKAI TALIPINGGAN KELEDAR

TEKSI
VAN
4WD / KERETA

RM 150
RM 80
RM 70

RM 50
RM 50
RM 50

4.

KESALAHAN YANG TIDAK BOLEH DI KOMPAUN

SEMUA KESALAHAN TIDAK BOLEH DIKOMPAUN MENGIKUT KAEDAH-KAEDAH PENGANGKUTAN JALAN (PENGOMPAUN KESALAHAN) 2003 CTH: KEMALANGAN MAUT, MEMANDU DALAM KEADAAN MABUK, PEMANDU DI BAWAH UMUR TANPA LESEN, MEMANDU DENGAN CUAI DAN MERBAHAYA, TIADA PERLINDUNGAN INSURAN, LUMBA HARAM.

NO COMPOUND
(NC)

NO COMPOUND
(NC)

5.

TIDAK PAKAI TOPI KELEDAR

MOTOSIKAL

RM 70

RM 30

6.

TIDAK BOLEH BUAT PUSINGAN 'U'

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 200
RM 100
RM 70

RM 90
RM 70
RM 50

7.

POTONG CARA BAHAYA - POTONG 'Q'

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 200
RM 100
RM 70

RM 90
RM 70
RM 50

8.

MENERUSKAN PERJALANAN SEMASA ISYARAT LAMPU MERAH

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 200
RM 200
RM 150

RM 200
RM 150
RM 100

9.

MEMANDU GUNA TELEFON BIMBIT/ALAT KOMUNIKASI

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 200
RM 100
RM 70

RM 90
RM 70
RM 50

10.

TIDAK BERI LALUAN SEBELUM MEMBELOK

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 200
RM 100
RM 70

RM 90
RM 70
RM 50


11.


KESALAHAN LESEN MEMANDU


LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL


RM 150
RM 80
RM 70


RM 90
RM 70
RM 30

12.

KESALAHAN LESEN KENDERAAN MOTOR (ROAD TAX)

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 150
RM 80
RM 70

RM 90
RM 70
RM 30

13.

MEMANDU DI LORONG KECEMASAN

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 200
RM 100
RM 70

RM 90
RM 70
RM 50

14.

KES WARAN

LORI/ BAS/
4WD / TEKSI / VAN / KERETA
MOTOSIKAL

RM 300
RM 300
RM 300

SEKALI GANDA DARI HARGA TAWARAN TETAPI TIDAK MELEBIHI RM 300

Above are the latest Traffic offense saman rates which we should be aware of.

So that next time we won't be ask for "extra coffee money" whenever we so lucky to met one of the traffic police.

Have a wonderful day!

Monday, October 27, 2008

Carrot,Egg & Coffee Bean,which one are you?

It has been a while i didn't blog here because i have been busy managing my own things like working, holiday-ing & etc.

On 23-26 Oct 2008, i am having my company trip at Club Med,Cherating Beach.
I will tell you more about the trip details on my next post.

During my last day staying at Club Med, our company members are actually having a small briefing,which where we sharing to one another about our feeling & evaluation of this trip.
Well,one of the story that i am remembered most is our most senior sales man,Mr.Kelvin Chai gor(Happy B'day to you Dude!),the title is "The carrot,egg & coffee bean"

Here's how the story goes:
There's a girl who just graduated from her Honors degree,now she is working at a small company.
Everyday after work she will come back home & complaint to her father that how suffering/stressful her job is,and with little pay....etc.
Then one day, without saying anything, her dad bring her to his kitchen. He take out a piece of carrot, an egg & some coffee beans & 3 pots filled with water.
He then boiled the water & throw the 3 foods in their respective boiled water.
His daughter,tired of waiting,asked "Dad,i am complaining about my job,why do you bring me here?What you trying to say actually?"
A few minutes later, all the 3 foods are cooked. He asked her daughter:
"Now try to taste each of these foods and then tell me how do u think about it."
Reluctantly,the girl taste the carrots, eggs & coffee.
"Well,how was it?"Her dad asked.
"hmm.....the carrot is so soft....."
"Then?"
"The hard boiled egg is tasty too....."
"The coffee's smell is unique,and it tastes delicious too."
The girl's dad asked:"So now can you see what i'm trying to tell you?"
Wagging her head,said "i do not know."

Her dad said:
The carrots,eggs & coffee bean represents 3 responses of the 3 person, & the boiled water shows that the 3 person are facing the same problem,which is a pot of boiled water.
The first type of people,they look tough at first, but eventually will turn to as soft as a cooked carrot when facing problems.

The second type of response,they look soft like a raw egg at first,easy to break it.But they will become as tough as they can when facing challenges,just like a hard boiled egg.

The third type of people,which is coffee bean.When boiled,it will dissolve into the water & turn water's color to brown,and produces a good smell which is only available on a cup of coffee.

So can you guys see how does a "coffee bean" reacts when facing pot of boiled water?
The same goes for us human,
whenever we're facing challenges/barrier,we should learn to be like a coffee bean,getting "fit" to the situation,then use your very own potential to "fit" into your problems/challenges,create your very own spark among the others.

So,which one you want to be?A carrot?An egg?Or coffee beans?