突然发财

今天可说是突然发财了，9059在收市突然跳到历史新高！

虽然知道一切很可能在下周打回原形，但至少这一刻觉得爽就好~~

不过TSH的前景，本身还是依然看好的。

新领导 新火花

话说“猛人”进来公司已经快满一个月
但其实到现在我们都不知道他在做什么的！哈哈！
或许两个上司都在部署着一些东西，两人最近的态度恶劣，越来越令人反感，但打工就是这样，你那么不爽我，有本事就炒掉我啦，鸡蛋糕！
不过本身最近的状态也不太好，现阶段已经不是靠个人思想就能够前进了，现阶段需要多阅读来提升自己了！不过，今天“猛人”终于开始有带领团队的举动了，开始看到他拿出看家本领了~ 开始看到部门有少少新火花了~
看来又有新的学习对象，又是时候展开吸星大法了！

高山半日游 =)

今天有幸到位于美汝的高山，见识到这家竞争对手的工厂，到底是怎么样的大呀~

同时也见到了美女顾客和传说中的非洲人，可算是不枉此行咯~
身为销售员，见到顾客，当然也不忘了刷一刷看家本领，推销一下自家的产品和公司未来动向咯，呵呵~


话说高山这家厂不是普通的大，而是非常大~
前门到后门，看到就傻眼，哈哈！
若我在哪里做同样的工作，不瘦都难~

对现阶段的我来说，公司的规模，还是中等就好~
这一次增广见闻后，才知道什么叫刚刚好~
企业越大，越不容易管理，这句话今天我认同了~

前进或淘汰！

最近的思绪，又进入另一股疑惑...

对手上的工作，其实有一些些厌倦，但却无能为力...

现阶段并不能做什么，毕竟已经被改造成公司的一个重要棋子，但在外面却是“四不像”...

或许这就是为什么姑婆会说，现阶段越走越没路~

上星期面对了两场顾客访问，都表现不错，技巧开始成熟。

下星期有机会与顾客在WSM见面，又是靠自己了！

或许我需要策略性提升自己的短处，在时机成熟前不能够轻举妄动。时间不多了，要继续提升自己！

我不能够原地踏步！

前进或淘汰！

市场开始收紧水龙头？

不知大家有没有发现到，市场开始收紧水龙头了。
从银行贷款，到市场的消费情绪，都开始出现负面的迹象。
市场上也越来越多企业开始‘不务正业’，参与能够得到暴利的房地产业~ 友人最近失业后，用了两个月还没有找到工，没有太大经济负担的他，也开始感到担忧了。

市场的情绪低落，却伴随着屡创新高股价和指数，有时真的让人看不透。 也因为这样的市场，我依然坚持半年前的策略，不看好整体的大市。或许市场的调整，只是时间上的问题。

暂时手上的投资组合，依然保持在33%股票和67%资金。
而手上拿33%的股票，是带有少少投资加投机成分的种植股。
短期种植股，有油棕价走高的趋势护航，再放长几个月更加有可能得到‘圣婴效应’的眷顾，大大降低了短期投机的风险。最坏的打算，万一被突然下跌的大市所困，这支油棕股长期成长还是值得让这笔资金被困于套房的。

昨日的讨论，提起了“创业+投资”以及“打工+投资”来迈向财务自由路的两种方式，其实有时也不需要太在意一定要完成创业的壮举~ 冷眼就是其中一个“打工+投资”后成功迈向财务自由路的典型例子，不是吗？要迈向某个目的地，没有所谓最正确的路，但我们却可以选择最适合我们自己的路~ 就算比较慢，但到最后能够成功到达就好了。
毕竟有时候，慢慢来却比较快。

感触

看到'猛人'回归，虽然心里觉得是一个很好的学习机会，但同一时间也浮现出另一股莫名的悲切感~ 很多人看来，它是一个见钱眼开的墙头草，哪里有利益就偏向哪里~ 但依我所见，其实它却是其中一个出来自己创业失败的例子~ 或许，他再强悍，最终也只适合成为一个“将军”，而不是领导。领导不一定要很强，但却要有领导能力、有规划、有管理、有开发能力、有足够的人脉网络，这些都需要时间去磨炼。或许现阶段，我应该放弃急功近利的心理，继续打好基本功，管“猛人”能不能够自己创业，现在要做的，是在他身上学习更多他的长处！不急不急，有些东西还是要从基本功，稳打稳扎做起，但同一时间也要注意进度！从2010年6月算起，已经快4年了，开始阶段跑得快，是因为‘空杯子’效应；现阶段要提升自己的难度开始比较难了，还有一年就是时候检讨当初定下的5年的目标~ 看来进度没有想象中的顺利，但还是坚持“一天进步一小步”的目标，比较实际！

思考风暴

昨晚出席了公司的晚宴，看到筹委们咱咱自喜，真的无言了！本人自问工作经验不多，只出席过三个公司晚宴，但很不幸地，这一场晚宴，却是我见过最烂的晚宴。说起排场，依然觉得最好的还是大众书局那一场6星级晚宴，至少出席者都得到了应有的尊重！或许每一家公司办年宴的目的都不一样吧，大众书局给我的感觉是：“今天每个员工来到晚宴都是贵宾，是主人家”，同样的感觉也出现在Beryl's的晚宴，人人都得到应有的尊重。但很抱歉地说，在现有的公司，是另一个极端！公司依然显示出高层与下属的断层，说好的服装主题，高层既然100%没有符合主题，就看出了他们的态度，原来他们的思想都是一致的，原来员工是拿来娱乐的，可以把你们叫上台，被阿瓜玩弄一翻，完后还要奉承老板，说谢谢，开开心心拿礼物！原来在公司眼里，员工就是如此的渺小，也谢谢你们搞的这一场晚宴，让我彻底地看清楚自己在公司的定位！或许这就是游戏的规则！说真的，晚宴后我的思绪经历了一个思考风暴，整个晚上思绪都不能够停下来，我清楚地知道，我需要加快脚步提升自己，到一个能够自给自足的模式，我才能够摆脱这种“被玩弄了还要说谢谢”的耻辱！时机还没有成熟前，惟有一边忍气受辱，以便提升自己！原定计划需要太长的时间，或许真的需要利用杠杆--借钱和借力了！我不能呆在舒适圈里太久！
不过昨晚的花衣打扮和在台上的不怯场，算是个人勇气上的小小突破！
而奴性不足，依然是我的缺点和优点。
也谢谢公司没有以福利奴化我，让我保留我应有的血性！
或许有一点我还需要转回头谢谢你对我的伤害！

Life is full of unpredictable. 

You would not know what you will be in next moment. 

But we could always keep improve ourselves

 to become better and stronger, to move forward. 

Even just a 1mm improvement every day

One day we would become stronger

and take control of our own life.

岁月不待人

其实两个人，可以从两个不同的世界，走在一起，真的不容易。两个人的的相遇、到相爱、到成立一个家，必须配合在适当的时间、遇上适当的人，才能够完成。在不对的时机遇上了喜欢的对象，我们其实可以选择成为要好的异性朋友~ 在需要帮忙时，给予援助；在需要里开始，给予她最好的幸福~ 我清楚知道，既然我们不可能在一起，她能够得到幸福就是我最大的安慰~ 好久没有遇到真正交心的朋友，只希望之前的手术，不会影响到她未来的幸福~

说回自己，也是时候去把握自己的幸福~ 曾经想过要与A开始，但渐渐觉得很多时候，都会与她难于沟通，毕竟很多时候，都是我讲多过她说，很怀疑这种情况能够长久吗？反而最近与B的交流，更能够取得互动。其实人与人之间，情感上的交流，有时候比外表来得重要。现在天意也将我们的距离拉得这么近，身为男生的，或许是时候踏出一步了，毕竟岁月不待人呀~

2014年Q1 检讨

在一片忙碌中，2014年第一个季度结束了~
今年可以说是投资以来最失败的一年，由于回避动荡的市场，错过了赚钱的机会~
但寻找另一半的计划，出现了一些机会，不年轻了，要好好把握~
由于钱赚钱方面，从退出股市那一刻，就作了最坏的打算。所以今年的重点基本上，都放在工作上的提升。与公司同事的关系越来越好，与A君依然暧昧，但彼此知道那一份交情只可能是友情，但人生得一知己，已经很满足了，不是吗？

现在的工作范围，越加越多，但我却越做越兴奋，难道我SHOT了？
非也非也~ 其实我是心里知道，我距离我得目标，又接近了一大步！
工作的分类依旧，现在就以一条龙的形式，一一分析：
[A] 采购
- 成功接触更多供应商，提升手套的知识和市场的要求
- 货比三家，以便知道谁在耍招玩把戏

[B] 策划
- 与各部门有更好的合作与互动，每个部门的自我提升渐渐看到了，借力打力将会越来越容易

[C] 行销
- 与顾客的关系在细心经营下越来越好，但如何提升顾客的潜能，以得到更多订单，将是我在行销能不能够有所突破的关键

[D] 船务
- 对如何玩弄CJP2越来越有心得，是时候开始更深入研究船务的基本文件，毕竟文件都要过我这一关嘛~

当然，还要提升的就是基本功，那些基本的手套知识，一定要了如指掌！那就设定好，从今天开始，每天要提升一点手套的知识！

[转贴] 八年 The Final countdown of market burst is happening(Malaysia)

I write this in English, is because i know some of the people may not understand Chinese word.

recently, i smell the market is going into last boost situation. it just like 1997, even the fundamental is bad(February), but the share market is still continue(until July only burst). This is the so call the last boost. The purpose last boost is to make sure everybody is joining the game, whoever not join everyday will be sad and see everything going up.

Malaysia economy is already near the end of bubble. Everything is ready and set, just need a very very small sprak to burn and cause domino effect to happen. And this small tiny spark is coming very soon.

poeple may wondering, how come, everything just look very very good now. even myself also cannot believe bad things will happen based on the market,economy and capital situation. Everything just look so nice my feeling tell me is not possible goes wrong, everything will be just fine and good.

however, my worries is come from my experience and logic thinking, not from my feeling. This why i sense big problems is coming. let me explain how all this goes:

How the good economy happen?
1. asset value is expanding(property, stock market, anything that can be mortgage)
2. bank get better valuation on asset and having more capital to loan. (bank balance sheet best of the best). Note: is very very hard to see bank got bad loan increase while share market and property is booming.so, now Malaysian bank is perfect and healthy cause bad loan is very terrible low.
3. bank more loan issue out to everybody (if interest rate low, then this will boost), many people like to get loan.
4. more loan = more capital in the market. money is everywhere, people are rich, they are spending. so economy is boost
5. the cycle is continue, expand asset, people rich, spend more, bank better and more capital.GDP growth.

theory is, in today's economy, debt normally goes with GDP, more debt growth = more economy growth. but of cause it wont expand in same ratio. the situation normally is growth of debt slowly pull less GDP now on day(the effect of loan growth will growth GDP is decreasing)

ok, good. i think now everybody understand how economy can growth by more debt and loan.

question and problems coming now. let me show 2 data first

Malaysia govt 10 years bond rate (higher rate means more difficult to get money, need to pay more interest, so is very very hard for government to expand their debt and loan)
http://www.tradingeconomics.com/charts/malaysia-government-bond-yield.png?s=mgiy10y

http://www.thestar.com.my/Business/Business-News/2014/03/20/Rising-household-debt-It-hits-new-record-of-868-of-GDP-on-loans-for-properties-and-motor-vehicles/
another news for Malaysian Boleh land record.

ok, what all this problems? economy still looking good, money is all around even all this happen, doesn't?
so, no big deal?

the big deal is here. all this data will not create a burst for anything, it just create a VERY WEAK fundamental of an economy. it just like even you had HIV virus in your body, you still looking good. But someday another very tiny virus entering your body(said flu virus), it will instantly destroy your immune system and cause all bad things (other sickness) happen all together. while your body is weak(fundamental not good), you will not able to fight all sick together, and more sick is happening while your body fighting flu virus, so, you are collapse and waiting to finish (if without medicine help).

ok, now let us see why fundamental are bad? as below summary
1. economy now is boost by increasing of loan and debt with low interest rate(worst is because all focus on property)
2. all investment of capital in mainly focus on property (this is the worst investment in any economy term because there will not be any GDP after it had completed build- while construction period it will generate high GDP- it also means for short term GDP this is good, property is good to boost short term GDP, not long term)
3. Intrest rate are going to sky rocket in near term (1-3) years

ok, all this is still no big deal, right? things maybe just some small effect and we are controlling now, right?
ok, below are the step how domino effect are happening. and also the spark coming from.

2014-2016 is the peak for the house owner to paid their debt(housing loan).how this small spark can cause a financial melt down, let me show you.

1. most of the bank now having the rules that if you cant pay your installment 3 months, your interest rate will be double means from 4.25% go to 8.5% per month!!

2. when this happen,house will be going to bidding for public (let said market very less incapable people, only 20% of house owner is goreng house, thus house owner had to go bankrupt)

3. well, that just effect one person or just 20% of that right? what so big deal? Wrong, that will effect the whole market property evaluation for price and mortgage value.

4. let said now house owner loan 400k, house value now 500k value by bank. When 2014-2016, interest rate slowly climb up, loan is limit, supply is many (20%). When bidding time, nobody want to buy at 400K, people waiting for cheaper price. Then no choice, if bidding nobody buy, bank had to lower price even said go to 300K.

5. tiny small spark is happening when this so call 300K SOLD case deal. when the first deal happen, others will judge all the balance 20% only WORTH THAT MUCH. what will happen? no house can sell high again, all become lower and lower.
NOTE: i think you all know the goreng percentage is not 20%, you can put whatever % in your mind, i will put 20% for this domino effect.

6. what happen to bank? a big problems will happen to bank, many people start deafulting their loan, and market value of property held by bank decrease. BANK START SHIRNK ALL PROPERTY LOAN- meaning nobody can buy property with higer price. Property price go lower and lower (even you want buy high price also cannot, because bank wont loan to you. according to our data above, you know not much people can buy with cash)

7. When domino effect happening, it is backward of economy boost (to shrink). bank starting more slowing to loan, and capital of bank lesser, profit lesser. everybody hard to get the loan. property market goes another down turn and prolong effect continue.

8. while this time, more housing supply is coming out (2014-2016), every month there is new supply coming out the market and immediate everyody want to sell.(you wont see buyer as 2009-2013, cause all in market you will only haer one word. SELL, SELL, SELL, nobody want to keep the house)

9. while this is not the only bad things happen. share market also start collapse, money in peoples hand everyday lesser and lesser (paper value all gone), more people poorer, no more money to buy things. everybody became stingy on everything.

10. because of all above effect, GDP is lesser and maybe slightly decrease said -1%

11. -1% what so big deal?? this is very serious. because things will happen like this

12. all USA europe capital that is inside our baking system(deposit) and share market will immediate one shot left Malaysia, banking sector almost collapse(bank negara will help). and this will make bank never ever give any loan to property market (except you only loan for 30% and you had perfect record, because bank no money to loan you, had to select customer)

13. the worst case, USA are continue their rising intrest rate, they wont stop because of your Malaysia economy problems. So, not to said USA and europe capital gone, even Malaysia Capital are going USA, because no capital want to stay in a economy that having problems(it doesnt care are you Malaysian or you love your country or not)

14. the another worst case, because GDP shrink 1%, your household loan %GDP sky rocketing high(said 100%, because your GDP lesser, even your housefold debt not increase, your % will still increase). Note: your debt will never be shrink at economy downturn, because you are harder to get money to paid your debt. However some rich person can pay of their debt to reduce the debt.

15. because of GDP shrink, goverment debt at the limit cannot expand anymore and goverment facing massive budget cutting (or raise everything to people), this again shirnk the GDP and capital in market, also lower the economy of Malsyaia.

16. and this domino effect continues, and continues, just like what happen to Spain and irish. until one day, all bubble had been cleared, economy back to normal. then malaysia will be growth and strong again.

who will be the survivor this time? we dont know. i only know bad things will happen, and it may be very very bad. hopefully my logic is wrong and feeling is correct. feeling at least tell us things wont go so bad, goverment will do something like capital control. if my logic is correct, things will go very very bad beyond our imagination, i wont wish that happen, i will hope feeling is correct rather than logic is correct.

NOTE: and this happen to WHOLE ASIA including china and singapore. The only problems is who will be the worst hit and who is just minor hit. In my logic, China will be the last to going down.

http://8yearsblog.blogspot.com/2014/04/the-final-countdown-of-market-burst-is.html