Showing posts with label LifeInSingapore. Show all posts
Showing posts with label LifeInSingapore. Show all posts

Thursday, February 23, 2017

转折点 - 踏入保险行业的前奏



J好久都没有在自己的家发文章, 而都选择在FB随写.
今天突然心血来潮, 想把想法和心情用文字写在这空间, 让N年后的J更加认识当初的J.
(这不是理财篇, 要看理财滴盆友可以在此绕道哟!!)

你人生当中遇上多少个转折点呢?
无数次...

近来J在事业上遇上交叉点, 目前还在学习应付和适应中.

应付着读书考试考执照的日子.
应付着如何用低消费而且还能在小新混口饭吃, 直到有正式工作的收入.
(请别再说你就好咯, 赚新币, 我们的心酸只有走过的人才懂.)

适应着失业的状态的日子.
适应着如何保持朝九晚五的状态-早起, 避免因失业而懈怠.

先说自从接到那封"情信"后至今, 想转行的信念依旧, 想投入保险行列的念头不变.
纵使新年期间收到各位亲朋好友的善意提醒和一些冷言冷语, J都会全部照收听进去再思考. 不过, 决定好走这条路, 还是会一步一步去实行.

Monday, November 30, 2015

SITEX 2015 - 买电脑记

期待已久的SITEX 2015终于到来,SITEX是新加坡历史最久的科技展览。自1988年,已有它的存在。

许多科技商家也会趁这几天的展览会,刺激销售,也是提高公司盈利的好机会。


SITEX 科技展览每年都会吸引成千上万的消费者和走在科技最前段的人来参观。J也不落人后,去Expo展览厅大开眼界,同时皮包也流了血。XD

早在半工读期间,J已经渴望拥有一台新手提电脑。但是迟迟买不下手。结果,拖到毕业后才来买新电脑。

这次的展览比起去年,一样是人山人海,产品琳琅满目。由于太多产品,要把每个角落的科技产品看完,是有办法的咯!呵呵!J与朋友的攻略是第一轮走马看花,并且拿了brochure到一边的subway,做下来享用晚餐。同时当场做价格调查的对比。

在去SITEX fair之前,J已经想要买Lenovo品牌的电脑。不过,在观看展览时,被其他牌子ASUS和DELL给吸引住。要买Lenovo的决心有些些动摇。

其实,J想要的电脑只不过是要比之前来得好一点点而已。要求不高啊!

之前用的电脑:-
Compaq CQ40 (Intel Centrino); Window Vista (可想而知很旧吧!)
电脑买于2010年,价格在于SGD1000左右

天啊!现在才察觉自己已经用了5年多的电脑,代表J很会保养电脑!XD

如果算Depreciation,一年大概用2百块左右还电脑installment费用, 在当时买这台电脑太划算了!(前提是你如何保护你的电脑)


当我们看完brochure, 了解大致上想要买的科技产品,就不落人后,再次挤进去展览会。

这次的购买,导致皮包大出血!哈哈。。。接下来每个月要与面包为伴了!

不过,J最终选到的电脑,觉得蛮便宜的,因为有附送goodies。

现在用的电脑:-


Lenovo U41; Window 10
价格SGD1149


Free gifts:-
8x External DVD/CD Writer
市值SGD50

 Lenovo Original Optical Mouse (wireless)
市值SGD45

 Lenovo Original Headset P950N
市值SGD45 

 Lenovo Backpack
市值SGD49 

Office 365 one year Subscription 
市值SGD98
McAfee Internet Security - 3 years Subscription E-card
市值SGD59
Free 2nd year Extended Warranty
市值SGD99


P/s: 买回家后,J才发现工作人员不小心把多一只老鼠送个J了!

SGD1149 扣除{SGD50-2(SGD45)-SGD45-SGD49-SGD98-SGD59-SGD99}
= SGD659

总的来说,J只是用SGD659来买一台LENOVO U41,你们所便宜吗?


后记:
J觉得通常在科技展览里,购买所销售的产品都会有附送赠品。你可以从中省下一笔费用,纵使你有需求买新电脑,也可以像J这样,忍到最后,觉得便宜就当机立断买下吧!
下次的新加坡的电脑展销会在明年的3月10至13日, 有兴趣的朋友如果错过SITEX,可以等这个IT Show吧!


  - J丰 -
30/11/2015





Friday, November 13, 2015

生活篇 | 您给牙医检查了吗?

今天特别请假到小新家附近给牙医看,不看还好,看完牙医后,皮包都出血啦!XD

大多数跨(多)国公司为了员工能保持形象,基本上都会提供牙医员工福利(dental care staff welfare)。之前J在职的公司,给每位员工的预算是SGD500。这五百包含牙医费和眼镜费用。不过,现在的公司只给每人SGD200的牙医福利。

两百新元牙医费用,你能怎样用呢?

如果跨越长提到柔佛州,你就能以RM610 (ex.rate 3.05) 作为牙医费用。

不过,你要考量到车费和时间因素,划不划算才选择。

随着大马物价高涨,加上长时间呆在小新的缘故。J是不会为了用这笔钱,特地回家乡看牙医。话说,J也有牙医的朋友在JB工作,可能会算友情价。当在时间和金钱的抉择下,J选择在小新看牙医。

J最终选择去回上一家牙科私人医院。一分钱,一分货吧!去之前只想用洗牙的服务,后来在你不经意下,花超越自己的预算。

Sunday, October 18, 2015

我的自述,我的故事 (二)

文接上一篇,《我的自述,我的故事 (一)》
拖了这么久的稿,终于播出时间完成我的下集故事。

上回有提及第一份工作,所遇到的周遭事情。在一个机缘巧合下,让我成功逃出那间黑公司-(换工), 来到一间礼篮精品店当市场顾问(marketing consultant)兼客户服务人员(customer service)。

老板是凭着我的口才流利 (自夸下=.=),加上电话接线员(telemarketer)的工作经历聘请了我。小新外劳的我们都知道,你如果有一张STPM文凭和SPM文凭相比下,真的没两样。因为两个都不属于专业文凭,很难找到就业工作(2009-2010年)。除非你调低自己的“身价”,接受低薪水的工作。当时的薪水大约新币1250块,我认为已经很高。因为我有自知之明,要求的薪水不必高,肯认真做,有一定的工作收入,那就已经心满意足。

这家小公司是家庭管理模式似的,老板们都有亲戚关系。它是一间中小型贸易公司(SME)。我觉得明明中就已经安排好,老板们也是吃素有去佛堂。从老板身上也学了好多人生大道理。我感恩老板们不嫌弃我的学历和工作经验而愿意栽培我。在这间公司我学会了基本的客户服务精神、顾客再怎样刁难,他们还是我们的顾客。总是把顾客排第一位,再来才是谈及盈利。

工作几个月后,我也慢慢累计了一笔学费(3K~4K新币)。依照当时工作性质,我对市场(marketing)产生兴趣,结果报读了市场管理文凭(marketing management)。

上课时间都在于周日晚上7点到10点或是周末早上8点到12点。还好得到老板和同事们的时间配合,让我有机会准时赶到学校上夜课。当然,这半工半读的日子不好受。加上我的英文是有限公司,要比小新本地人更加努力。平日除了读课程以外也要自修英文。每每周日下班后,我都呆在家K书;周末几乎都牺牲回家乡的时间,留在小新赶功课或者是应付考试等等。

再次强调,半工半读真的不简单啊!
(很佩服当时的自己,哪来的坚持和毅力完成文凭课程)

Tuesday, October 6, 2015

DBS VICKERS SECURITIES account approved


This was my August's posts about my targeted on opening trading account in Singapore and finally I got my 【Singapore Exchange (CDP)】 account approved. 

This is another milestone in my investing journey. I can start to trade in SGX market after receiving my login password today.

I found no much difference on brokerage fee if I am using other platform of trading company. Most of brokerage fee around $18-$25 per trade minimum.

Moreover, I am not a big timer. I like accumulate shares and intend to focus on REITs or bluechip for my SGX portfolio.

Why I chose DBSV and not others?
Since I got the POSB/DBS account and for the sick of convenience of course DBSV is my first choice in my mind.

Refer this post on about what are the step to open CDP account in Singapore. 

The free $70 shopping voucher is still on-going until December 2015.

Based on their T&C, I will be entitled S$50 worth of shopping vouchers for executing my first 2 trades. ( Sound not bad, but this is one of the purpose attracted me to open a/c with DBSV la..)

To be honest that I'm having headache on picking up the stocks of SGX. I do not want having the same bad experience like what I did on KLSE where anyhow to buy the stock based on feeling or guessing.

I gotta MUST be patient when choosing a company to invest. 

I will try to spend sometime on following week to get more information from Singapore Finance bloggers, SGX websites, FB Singapore finance related group or read news about current Singapore stock market before I making my first trade.

I will still trade on KLSE but, will not pump more money into KLSE rather SGX market as for now.

My intended strategy are pump in money to buy more KLSE's BLUECHIP stock whereas more focusing on SGX market especially REITS and BLUECHIP. 
   

I really can't wait to trade my virgin trade in SGX market la........... lol >.<

Good luck to me :)




Wednesday, September 30, 2015

经济不景气,你公司有裁员吗?

今天收到一个很惊讶的消息。J的同事被上层裁员啦!

这里J就把两位同事她和他当成E和W简称。早上被大老板叫进房间,目的就是告知J和另外一位同事A,我们的组里面的同事E和W被公司裁员了,然后我们必须跟另一组合拼。为了减少开销、head count issue、retrenchment is on-going。不幸的是J这两位同事被选中。

当时J的心情,真的存着很大的惊叹号!再来,疑惑的追究问老板到底,他们不是拿很高的薪金啊,怎么可以说裁员就裁。E过去几年都为公司效劳,无功也有禄,又没有给notice,就这样裁掉。

昨天我们吃饭时才提起,大家都会忍到年尾拿到AWS后再做打算。不过,一切来得太突然了。谁也没想到公司就拿我们组的两位同事开刀。(-。-;)

回想起,J的公司确实面临一些挑战。上个月公司的租约满,但是上层没有续约,原因是租金昂贵,运作费提高,盈利不增而减。目前公司还在物色着便宜的地点,得迎合仓库管理的需求,交通便利,才做决定搬迁。一年的listing notice说长不长,说短不短啊!随时都会有很大的变化,比如地点就设立在西边(现在公司在东边)。

Wednesday, September 16, 2015

HOW TO REMIT MONEY FROM DBS/POSB TO MALAYSIA BANKS



Based on my previous post about the good news for transferring SGD via POSB/DBS bank,
you all can read back at HERE.

I will share the steps which allowing you make the remittance successfully without hesitate about additional surcharge. (I noticed in FB SG exchange rate group, there are still a lot of people are not aware of this benefit)

Please share if you think this is useful for your reference. Thanks :)

STEP 1

Login to iBanking (POSB/DBS is the same) and click on 'Funds Transfer (Overseas)'

STEP 2

Select "DBS Malaysia Remit


Wednesday, August 19, 2015

SGX Education videos for beginner

I wanted to invest in Singapore Exchange stock market (SGX) and have not get myself step into SGX market yet. While I am doing some research and found out good videos to share for people who are interested in investing and have no ideas what is all about investing.

There are total 11 videos are available in Youtube for free and brought to you by TradeHero and SGX with contributions from Synapse Trading.


This is one of free learning stuff for the beginner investors like me. After finished watching these videos, I can recall back a lot financial information which my lecturer had taught me last time.

Trust this is useful videos for all of us and this can be apply for all the market especially in KLSE which I've invested currently.

I chose to diversify my portfolio and opting SGX market because 
1) SG is my working place and I more or less well aware of those companies I wanted to invest.
2) SGD currency is stronger than MYR and I rather keep SGD than MYR at the moment.
3) Built blue chip portfolio and gain the dividend for long terms investment.
4) No interest return if continue to keep my money in SG's bank.
5) It's cheaper (min 100 per share) compared to last time minimum purchase (min 1000 per share)  

I will set a timeline for myself to open a CDP account.
Targeted by end of this month - Aug 2015

Here are the videos:-

SGX Education Video
1. Introduction

1(a) Market Basics

1(b) Stock Market Basics

2(a) Business and Market Cycles

2(b) What Moves the Market

3(a) Finding Value in Stocks

3(b) Reading Financial Statements

3(c) Financial Ratio Shortcuts

4(a) Basics of Market Timing

4(b) Identifying Market Trends

4(c) Support and Resistance
https://www.youtube.com/watch?v=QAL5Q4HHVTg&list=PLNKnhKVK1TqSA6V-khyAWuLvlNhvsMObC&index=11


Credit reference: http://goo.gl/Ozmy7N

Of course after watching all this videos doesn't mean you can gain $ from market shares. You need to do some homework and value the company before you buying particular company shares.


- WARREN BUFFETT - 
" BE FEARFUL WHEN OTHERS ARE GREEDY,
AND GREEDY WHEN OTHERS ARE FEARFUL "




   - J丰 -
18/08/2015



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Wednesday, August 12, 2015

120815: 大马股市红红红

近来发现有点懒惰,不常更新部落。
连J的《我的自述,我的故事》下集,还在处于草稿当中。
不知道何时才能赶好。。。

看到大多数的博客都更新关于大马股市一片红的看法和心得。
J也来一篇关于红海。J的组合跟大多数人一样,也是一片红。

Stock Market dated 12/8/2015

看似熊要来袭击大马股市,作为新手的J,对组合的亏损说不心痛是骗人的。
但,你又可以奈何啊?
原本的纸上盈利都或为乌有,留下一片红海。

可能有些人会这么想:
为什么不早点卖,套利?现在住套房了!
为什么我还死守着这股,想当初。。。
为什么熊市来得这么突然?
为什么马政治搞到一塌糊涂?
很多个为什么。。。

Sunday, July 26, 2015

感情篇:第一次约会?

看了标题大家也会问,约会就约会嘛,怎么多了一个问号呢?

在J的想法里,『约会』的定义是一位男子想追求一位女子才相约出来一起用餐、玩乐、看戏或唱歌都是属于约会里的元素吧!

在定义上约会可以简称为拍拖,可是很单纯的只想约对方吃饭想再进一步了解对方是否称得上约会呢?

话说J是第一次约她一起用餐,原因是想多了解她的为人和性格,看看我们会不会擦出火花。

说说J的感情经历吧。。

J从来没有谈恋爱的经历,什么是爱情和感情,都是从文字里学习和透过朋友的经历分享而了解『爱情』。

J可称得上爱情白痴。

Saturday, July 25, 2015

ClixSense 2nd Payment Proof: 第二次ClixSense网赚收入 + 心情诉说

距离上一次网赚收入是在23/6/2015, 也有一个月之久。通过ClixSense赚了USD10.45, 如有兴趣的读者可以翻回上一篇文

在这间中,J是用所赚的钱拿来为自己升级高级会员,才会再加速累积美元。

之前因为在大马待业中,无法赚取市场调查(surveys)、下载apps(Offers)、完成任务(Tasks)等等的项目。只因为当时申请的是小新户口,IP已经注册为新加坡地址,在家乡只能赚取点击广告的钱。

不过,当回来小新工作后,慢慢的用空闲时间做survey, offers & Tasks才赚到多一点钱。

每个游戏都有Rules & Regulations。ClixSense也有它的规则和条件。曾经J想用VPN或Proxy来赚更多钱,但是ClixSense是没那么容易让成员得逞。

如果你违反了它的T&C, 你的户口分分钟会被冻结,所赚的钱也会一无所有。

以下是成为会员前必须了解的T&C:-


Consequences of Account termination/suspension
(户口终结/冻结的后果)

1. You will lose your account. You will never get your account back.
2. All your earning in the account will be lost forever.
3. All your direct referrals will be gone.
4. You have to start with new account to get started again.
5. It takes time and effort to grow again to the previous level
6. You might even have to pay fine or face court for the legal cases.

Conditions for termination/suspension.
(户口终结/冻结的条件)
There are more than one ground under which Clixsense will directly suspend the account.
1. Age For Participation(年龄参与):
If you are found below the age of 16 Clixsense will recognize you as in eligible member.This is the minimum age of eligibility in Clixsense.
2.One Identity(一个身份):
You must register with only one email address and one user name. If you are detected of using multiple Clixsense account,you will be directly suspended.
3.One Account per Household(一个家庭一个户口)
Only one Clixsense account is permitted per household.Clixsense will detect the malpractices if more than one account is present with same IP address or multiple account from the same computer.So,use only one Clixsense account per computer.
4.Abnormal Behavior(不寻常的行为)
Any activity of fraud,defamation,harassment or abuse will result in the account termination.
5.Inactivity(户口不活跃)
Failure to log in to the Clixsense account for at least once in 90 days will be responded by closure of your account.The account gets reactivated once you log in again,but all the amount you had in your account will  be forfeited.The referrals will be intact.However, most of them may  leave by changing their sponsor.
6.Account Trade(交易户口)
Any attempt to rent or sell your account to somebody is against the terms and conditions of Clixsense.Such acts would directly led to your account termination.
7. Changing sponsor/Affiliates(换上/下线)
Clixsense do not allow you to change sponsor or remove affiliates. It might allow you to change sponsor in case the sponsor goes inactive. Other than that, it’s illegal.
8. Task and offers(任务和条件交易)
Clixsense provides task and offers whenever it is available. Trying other means like use of proxy server and VPN  to access any task , offers and surveys are considered the act of cheat and you will have your account permanently suspended.
9. Account verification(户口确认)
All the Clixsense members belonging to Canada and USA are required to verify their address to receive their payment through PayPal. Failure to comply will have their account suspended.
10.spamming
You cannot promote your referral link and banners in unsolicited emails,newsgroups or classified ad sites. This is the pure act of crime and Clixsense will at once terminate your account. Clixsense may even impose you fine or file legal case as spamming is a crime.
11.Proxy server and VPN
Clixsense do not allow you to surf your account through proxy server and VPN. Clixsense wil automatically detect such settings and you will lose both account and earnings.
12. Chargeback
In case you issue a chargeback on a transaction you completed while you logged in to your account,Clixsense will directly suspend your account
13. Copy right
Clixsense do not allow any of its content to be copied, modified or reproduced without any prior permission from Clixsense.Doing so would result in your account termination.Clixsense has its own logos and stats. You may use them In your blogs, websites and social medias but it must have backlink to Clixsense. Otherwise it’s illegal and Clixsense can only suspend your account.

。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。

网赚心情诉说:

为了不小心遇到以上的情况,J决定有达到支出的门槛就提钱比较安全。

前天(23/7/2015), submit for cash outs.

24/7/2015: NY Times before 5:00PM EST, 后就结帐。

今早(25/7/2015), 收到Paypal的汇钱。


 ClixSense把扣除admin fee后的USD$18.42,汇入Paypal户口

 确定在Paypal户口收到ClixSense所发的钱

J的PayPal是新币户口, 兑换率是 1 USD : 1.33654 SGD
所赚到的是 SGD24.61。如果再换去马币,大约是RM70+

虽然是赚小钱,慢慢累积就可能是大钱。在没偷没抢的前提下赚取额外的收入,何乐而不为呢?

你的想法比较重要,投资也是一样。每个月把多余的钱买入有派股息的股,慢慢累积股数,然后极少成多的方式来收取利息。

不怕慢,只怕站!

有兴趣加入的朋友,可以点击此加入ClixSense哦!

。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。

股票心情诉说:

J的DIGI虽然还在红红当中,不过J还是深信会转青的一天。

FLBHD也突然标青,苦等几个月,终于看到一线希望。虽然J的这股数不多,好不容易可以转青,让组合有多一只青。恭喜大家有坚持当初的Holding Power啊!

Homeriz-Wa:J不习惯收子股,所以在RM0.50卖完免费股。眼看它已经飚高到RM0.65, 没有可惜不可惜,只有心态和想法正不正确来看待。

SASBADI:J的魔法书突然也飚高,将要破3块大关。暂时不会追高加码,目前是【等】一个字!

OSK:股价有起有落,买卖自负啊!不可以责怪那些分享者/博客啊!(对!你没看错,J就是说第一天)。他的分享是大公无私,毫无保留。
当你因为他的Tips而赚钱,你会回报他吗?
但是你因为他的Tips而亏损则当了键盘杀手,字字像刀似的,无奈啊!
坦白说J也因为他买入OSK,组合也是亏损当中,不果大家都是成年人,很清楚买卖自负的道理吧!
独立思考是每个人都必须学习的一个课题,阿尧分析的不错,点此阅读他的分享

。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。。

工作与写博心情诉说:

距离六七个月没有收入的痛苦,昨天是薪水日,太高兴了!现在慢慢已经找回以前做工的Kick, 也适应工作环境和工作范围。

有空闲时间J也会更新部落格,再次找回当初开博的初衷。

每个人都有私心的,J也不例外。如果读者对本博的PopUp广告带来困扰,J只能说声抱歉。

谢谢你们的浏览,有没有下次,这对J来说不重要。原因是J认为东西是有对与错:J发的文肯定会迎来喜欢的读者和讨厌的读者。

J不能改变读者的想法,J只是为了分享而分享,不必为了读者的留言而伤心或破坏当天的心情。

身为博客们,控制情绪也是一门技巧哦 !

加油啊,博客们。。。




   - J丰 -
25/07/2015




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Monday, June 22, 2015

220615 - 减持SASBADI,加码HOMERIZ

说好了六月不做买卖,结果J食言加码三只股,做了组合小小的调动。目前不会扩大组合,拥有七个成员已经很头痛了。掌握自己熟悉的股,在大盘走弱时,趁机加码管理层好的优质股。然后,告诉自己要改变策略,为组合带来更大的纸上盈利。因此,J决定每月都要拿钱来供股票。不然,把钱放在小新户口是不会看到银行给的利息。

现在看着小新银行户口的银额“每况愈下”。钱有出没进,持续下去,你再怎样省迟早也会把储蓄花光光。人事部啊!还须要等多久才能办好J的Pass呢?话说前几天,J已经签好Appointment letter,HR说还要等MOM批准pass application,才能给J知道几时可以正式上班。(哎呀!又要等!奈闷ing)

加码PADINI 

=110615~小买1000股在RM1.37价格=
天哥和Harry点醒了J一句话:“会买是徒弟,会卖是师父”
有买有卖才叫做股票。所以,现在也加码累积股票,在适当时候卖一点套利。如果在资金允许下,J还是会继续拥有,慢慢累积好股。

Thursday, June 18, 2015

Travel to Medan + Library Fines

Unexpected Trip to Medan


I have been busy this few days. No time to watch markets.

Unexpected things was happen and I have no choice but to travel Medan, Indonesia for solving some personal issues.

This was my first time travel from Senai Airport, Johor Bahru (JHB) to Medan - Kualanamu (KNO) , Indonesia.

No enough time to plan the Itinerary and very rush due to last time informed.

AirAsia
Side viewing from sky
I'm a bit "sua gu" when taking flight as I rarely travel out except to Singapore. (Emm...that one is not travel la...you already used to work there and some more no need to take flight to Singapore.)

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