Friday, January 31, 2014

新年快乐

新年不外就是吃大餐,给红包,放鞭炮。
今年比较开心,因为姐姐和她的孩子也在这里一起过新年。她说,她已经九年没过新年了。昨天在家吃了团圆饭,去给先生的婆婆拜年后,我们就驱车半小时回娘家。一方面那里有女儿的表哥表妹,弟弟两个月前结了婚,会在新家拜天公和放炮。小孩听到有放烟花和玩炮都很开心的。

 昨天除夕,看完了一本书。为了坐月时有得打发时间,几星期前买了好几本书。《30年后,你拿什么养活自己2》是我看的第一本书。



里面说的之前已经有觉悟的。剩下的就是怎么一步一步去实践。有一句话肯定要分享的,“不要把未来想象得过于乐观”。 以前一直想不到存钱的理由。大人都说,要存钱,要存钱。损友就说,你什么都有了,不用存了,花掉吧。=。=真是的。恶魔说的话总是特别中听。想想,现在也还不迟吧。

大家一起为未来努力吧!

Tuesday, January 28, 2014

今天的女儿不想上学

女儿今天上学的时候不够睡,死命哭,不肯下车。拉她下车了,她还是爬回车里。好像外面有野兽一样,还是谁欺负她一样。
其实她不抗拒上课的。她三岁的时候一开始上课也很喜欢,很快就适应了上课的生活。
昨天放学的时候被我妈接去她家了。晚上的时候跟旧同事有聚会,聊开了,迟了去陪女儿睡觉。到她小舅家时,她看到我就哭了。听她阿姨说,她好累的了,可是撑着不睡,要等妈妈来。好委屈的哭了。害我也想哭了。等到好累了吧。一下就睡了。
今早预了的她会睡不够。到学校了也不肯下车。哭闹了好一阵子,因为想上厕所,所以被我拉进课室。哪知自己的班导师有事会迟到,要去隔壁班。又不肯了。哭到好可怜。我要走,她又在后面追。我不行的,很心软的。这样的情况我走不了的。只好看老师引开她的注意力后,开始不哭了,才放下心走。

她阿姨,也就是我姐姐说,她是个好逞强的小孩。跌倒了,明明就很痛,也跟你说不痛。跟小朋友玩耍,被弄痛了也不说,拉去旁边问她痛不痛,她才说痛。很让人心疼的小孩。我姐说,她长大了,有什么事可能会放在心里,所以大人要好好跟她说。不然被欺负了,没人知道。

4岁了,想让她上点课,舞蹈课音乐课之类的。去年报名画画课,可她不喜欢,很抗拒去。学了两个月也不逼她了。今年报名学校的舞蹈课。在家问她要不要学,她也是跟你说不要的。我想她是想呆在家里。不过还是会带她去试试看。还有马来文及英文阅读课。是想让她去的。不过这样的我好像太怕输了。
我不是要她成凤,也不要她成绩很好。只是要给她个机会上这些课。小时候我上很多课,我也不觉得压力,只觉得很充实,也感谢母亲的栽培。反正在家闲着也是闲着,也不是每个小孩有得上的,毕竟那对父母也是种经济压力。不过我还是上了。多少有学,多少有吸收,多少有帮助。我也想要给她这个机会接触不同的东西。
当然,不想她很压力。

洪兰老师说,人生不是场短跑,而是马拉松。没有“赢在起跑点”这件事。

我想,坚毅的品格才是一个小孩所需。

作父母的道路还很长啊。。


Thursday, January 23, 2014

Appreciate

People always take things for granted. They never appreciate what they have got or what people have done for them.

They only see for what people do not do. 

Say more "thank you".
Show your appreciation.
Show them that you know people's effort.
This will make the people happy.

Breastfeeding

It is almost time. It is 38weeks now. Going to due in two more weeks. She can even come out now.

I did not breastfeed my first daughter. I tried. But stopped because of inexperience. The position was wrong. She can't suck it efficiently. So i got very tired everytime feeding her. Eventually the nipples were hurt. The pain is unbearable especially when you take shower. So i stopped. Poor daughter. I should have insist and stay stronger in the matter of breastfeeding. So she can get more antibodies and natural goods from me. The other benefits is to save money. The formula milk is so damned expensive! The one i give her is in the middle-to-high cost formula milk. So regret of this. Formula milk could cost a big bomb to our wallet.

Now i have changed my mind. For the sake of my budget, the first sentence i asked in the shop "Boss, which brand is the cheapest?". This would be the standby for the baby when she's out while the breast milk haven't been produced enough for her.

I should have know some information and knowledge earlier. My colleague told me, she breastfeed her daughter for about 4 months. Stopped when she resumed work. But her daughter never sucked her nipples. She pumped out all the time. Aiya, i should have know this earlier. So that i can do the same. Too bad my daughter was one year older than this coll's daughter. Then i would know the way to get the breastmilk for my daughter even though my nipples were hurt.

Many of experienced mother recommend me of medela breast pump. The colleague adviced me to buy first so that i can induce the breast milk production even when the baby did not know how to suck.


 The breast pump is so expensive. If you don't use it, it will be a waste. Initially i don't plan to buy one. To buy an efficient and convenient breast pump cost you over RM200. Those below RM100 i doubt the efficiency. All those around me bought the breast pump at the range over RM200. Oh no, i did not plan to spend so much in this. After the story of my colleague (she only pump out the breast milk but manage to breast feed her child for about 4 months), I am motivated to do so too. Wish me luck!

I will try this brand too, as many people recommend this. You know what, my sister from USA got one of this at her home. She should have bring this back last Nov. She only used it several times in the beginning to induce the breast milk production. After that her child would get the breast milk in the natural way. She get it for FREE from USA government, as her family considered to be "low-income" family. Western country though charged you high tax, return you in good benefits. FREE breast pump! How nice, she should have bring it back!

Wish me a very happy confinement month!

Wednesday, January 22, 2014

我回来了?!

我怎么忽然又开始写起部落格来了?
话说在大学期间,我可是爱写得很。那时很流行啊。而且我总有好多点子可以写。过后出了社会,天天工作,忙家庭,好累啊。好像变得很低调。面子书也流行了起来,那我还有什么要写嘛。想写的,想现的,都放在面子书上了。
前年开始接触股票,去年开始“玩”股票,也开始读大家的部落格。
YY说得好,如何提高广告收入真是一言惊醒梦中人。我们放那么多资料在面子书,让面子书赚广告费,何不自己赚?
而且, 写部落格是自己的地盘。又不会那么公开。还可以练练文笔。

所以,现在我又活跃起来啦!

想到yy成功赚广告费。虽然不多,可是多少是个零用钱。
我现在到各大部落格都会帮忙按广告。
请大家也帮帮忙,按个广告吧!

Monday, January 20, 2014

CREDIT CARD FRAUD

Have received two message from maybank this early morning about 2am. I heard the message tone but did not get up to read the message. 
Frightened by the message this morning. 
Called Mbb customer service just now. After the verification, the customer service staff told me that they have detected this suspicious transaction and the card has been blocked. I don't need to pay the above transaction. But for the safety purpose, they advise to cancel the card immediately. Of course i agreed that. They will then send a new card to the nearest branch with the same expiry date. Of course the treat points and all details will be transferred to the new card with the new card number and security code.

That ease me.

So, never ignore the message sent from the bank.

Nowadays, it's easy to get your credit card details as we always do online transaction. Online shopping, hotel booking, air tic booking, etc, all this expose our credit card details. Even if the website is httpS, or the strongest antiviral/firewall you have used on your computer, there is risk that people can get your details.

Credit cards give us much convenient, which hardly we can reject the usage. i think the bank already enforce the security. for example they will block the usage of credit card at suspicious site or country. Some will call you for verification. Once i've asked, what details do the people need to do the transaction. They just need the card number, your name, the security code and the expiry date. Then they can do the transaction. All this details are shown on the card. So how can you avoid to show people this? These details are the one we key in while we do online transaction too. That's why bank always advise us to do the transaction at trusted site. 

Always check your bank statement. Always read the message sent from bank. Of course, you have to differentiate the "e-statement" or "message" from the bank or some kind of fraud, again. 

There is a security tips saying, bank will never contact you via email or message. So anything, kindly approach their counter, or call their customer service. Don't simply reply message on your phone or email. You can read, but don't reply. always go to the counter.


Thursday, January 16, 2014

“3天理論”評斷‧胡立陽:今年股市將淪陷

    
“今天的投資處境,就像放掉一缸洗澡水,剛放時風平浪靜,其實裡面已有問題,看到漩渦時,大家恐慌,但已經來不及了……”
  • 有“台灣股神”之稱,即將於1月18日來馬開講的胡立陽接受《星洲財經》的越洋電訪時,繼續像說故事似的分享其投資心得,直言若有人說經濟復甦讓股市前景可期,請記住“經濟利好已提前反映”,投資者不能再從基本面思考,而是應以資金面出發。(圖:星洲日報)
有“台灣股神”之稱,即將於1月18日來馬開講的胡立陽接受《星洲財經》的越洋電訪時,繼續像說故事似的分享其投資心得,直言若有人說經濟復甦讓股市前景可期,請記住“經濟利好已提前反映”,投資者不能再從基本面思考,而是應以資金面出發。
“無論是房市、股市或債市,表面上皆風平浪靜,但卻暗藏風險。”
他以“3天理論”,即一年頭3天的股市走勢,去剖析股市今年整年可能淪陷的窘境。
“馬股和台灣股市一樣,新年甫開市即連跌3天,年初跌多漲少,這情況一般顯示整年走勢難有作為,股市可能下跌一整年。”解釋了該理論後,他不忘補上一句:“這理論的準確率高達7成!”
他也提到,美股一步如新年,第一天就跌100多點,隔天也只起28點,若美股不好,跌多過漲,絕對值得作為股市的參考指標。
馬股1800點以上算高檔
馬股去年大唱豐收,全年刷26次新高記錄和漲逾10.54%,跑贏東南亞股市,“價高市危”的說法此起彼落,率直的胡立陽也以一句“馬股1800點以上就算是高檔了”去總結馬股的昂貴。
“馬股去年封關達1882點,高檔封關,只因為資金面,一旦跨過了,將正式進入牛式下半場,難免步步為營。”
他娓娓道來,吉隆坡股市在2008年金融風暴,曾跌到800至900點,漲一倍,就是高檔區,所以若介於1600至1800點,都屬於高位。
他認為,全球股市其實現都處於高檔區,無論是美國股市,還是吉隆坡股市,經濟未全面復甦,利好卻已提前反映。
儘管如此,他認為,投資者在首季仍可能盼到創新高的牛勁,尤其美股,但必須緊記,這些股市都已走在鋼索上。
他強調,未來股市胥視資金面的臉色,不再由基本面主導,而資金面的影響是全面的,這也是為何凡過度膨脹的資產都料無可避免地調整。
“QE減碼和房產、股票其實沒有直接關係,惟關鍵是升息,升息的預期心態,將導致房市和股市下挫。”
至於新興市場的股市前景,他鑑於各國情況不同,相信受影響程度也因國而異。
“目前市場上到處流竄的資金達20兆美元,其中,QE製造的是4兆美元,若`鮭魚返鄉’,會造成各不同區域、不同資產價格受挫。”
買在低檔
小心高檔
“今年特色-崎嶇,上半年容易作,下半年如走鋼索,不要隨便追高,等拉回才進場;股市不斷創新高,投資秘訣永遠是,買在低檔,小心高檔……。”胡立陽是否一箭命中你投資的腦袋?
對胡立陽而言,2015年,升息當道,房市、股市、債市、金市都是惡魔,投資者宜在2014年趁機將危險資產拋掉,因2014年的主題是“保本”,緊抱現金,等待機會。
胡立陽更把2014年比喻為金錢遊戲將結束的時候,10年大餐,現已是最後的“甜湯”,若還期待牛排,可能會很失望,而且可能要加倍奉還,所以他一開年即不忘奉勸投資者,在2014年的投資路上,應抱著“小心謹慎”的心態。
他坦言,目前投資工具中,長期投資的選擇不多,股票、債券、房市、黃金,都在高檔,已脫離長期投資的價值,投資反而宜以短線著眼。
多低才叫低檔?胡立陽解釋,投資者不妨以每隔5%就一關來判斷。
以馬股為例,若指數自1800點漲5%或高達100點,至1900點,就要小心,如自1882點高點跌5%至1800點尋求支撐,又是一關卡,撐不住,可能跌到1700點或1600點,宜走一步看一步。
看好中小股
牛市下半場,指數股恐受壓抑,胡立陽認為,最好買進不佔指數的中小型股,尤其小型股。
“然而,哪裡有魚,就哪邊釣……”他強調,那是因為當QE退場時,資金縮減將導致成交量減少,並集中在強勢股。
他說,投資者要留意的是牛市下半場的強勢股,因強者愈強、弱者愈弱,不要一味想著撿便宜,即便股票拉回,也要買強勢股!
實戰經驗多不勝數的他也不忘分享一套2014年的“防身術”,即“10週平均線”。
“任何資產,都可以10週平均線去分析,若往下滑,就別碰;翻上才考慮。”
他也主張“3天理論”,即若個股3至5天內無表現,應及時賣掉,等機會,因當步入牛市下半場,一般震動幅度很高,有些股短期下挫後漲不回。
“一個股如買了3至5天,似步入`套房’,應趕快退房,免得愈住愈貴。”
黃金“不靠譜”
金價跌深後反彈,在胡立陽眼中,不見得是進場時機,繼續以“好10年、壞20年”去形容黃金,可能跌破1千美元,甚至瀕臨960美元低點。
“金價近年激烈調整,很多人以為1千200美元是成本價,其實,1千200美元可能只是假支撐。”
他認為,黃金跌勢已形成,黃金也是不講道理的投資工具,一般會先跌到正常價位,之後可能繼續下探。
“黃金最高點曾為每安士1千920美元,若以該水平除以2,正常價位應為960美元。”他不排除,黃金之後可能出現重力加速度的挫跌,恐落至960美元以下才止跌。
首選美元人民幣
面對2014年匯率的大震盪,胡立陽首選是美元和人民幣,直言投資者不妨同時投資這兩種貨幣分散風險。
儘管看好美元,他不忘提醒,投資者若想涉足美元資產,同樣得小心,因為美元資產價格可能也已顯著膨脹,別因賺了本幣收益,卻因資產價受挫而蒙損,最終因小失大。
房市震盪在升息那刻
“全球房市已漲太多,房價可能開始鬆動,真正下跌或是在2015年。”
這正如胡立陽分享過的“QE退場四部曲”,房市的震盪往往在最後出現,就是正式升息的那一刻。
根據“QE四部曲”,當QE醞釀退場時,首先是貴金屬,原物料和貨幣下跌;再來是政府公債下跌、股市鬆動;當QE開始退場時,是債市下跌、股市下跌、房市鬆動;一旦正式升息,黃金、債市、股市將二度下跌;房市下挫。(星洲日報/財經‧報道:陳曉雯)

Red

Can't really understand why the stock market is 'red' now. Most of the share has dropped their price. I must be out-dated for too long. Did not get any news.
But there is one say, it will be an adjustment for the stock market in 2014. Or the very high KLCE index will drop a lot in this year. So will it be a bear year? Nobody knows.
I guess, "we can never guess the stock market". So let's concentrate on the good fundamentals stock. Anyway, seem i am still a newbie to the stock market, i'm quite worried about this.
What if, the money that i invest in, become zero value in the future.

I guess, i am just a normal person. With the normal person get influenced by the stock market.

But those share with high price before the bear comes never get back their high price even after many years of bull. How can i not worry about this?

Sunday, January 12, 2014

Weekend

Just back from Malacca for a short 2 day 1 night trip. It meant to be a one night trip to attend university coursemate's wedding dinner. Been thinking whether to stay overnight or not. He said he managed to drive back. After i consult one of my friend who has the experience to attend the dinner at malacca, i've decided to stay overnight there. She attended the wedding which finished at 11pm and reach Kluang at 1am! it is too late for me. This scared me. Better sleep there and have a good night which is safer.

This girl has a better idea to sleep in the car. i found it so funny. my dear little girl.






Dunno since when i've been quite selective towards the food. Once i was a girl without any preference to any food or taste. You can ask me whether this fried kuey tiao nice or not. I can answer you, it taste the same for me, i dunno whether it's nice or not. It's just friend kuey tiao.
But now i'm different. Must be influenced by my husband. I only go the stall which i think the fried kuey tiao is nice. The dinner we attended yesterday served good food. I like it. Nowadays, the restaurant charged very high cost on the couple with the so-so taste food. I really hate to attend the wedding which did not serve good food. It really affect our mood. But the one attended yesterday is really nice. The wedding was held at malacca. But my friend asked the restaurant/cook from Muar. You can see from the menu that the menu costs them at least RM800 with the presence of abalone. Overall, the first dish is good. The fish was nice. The prawn was nice. Everything was so nice. I keep repeating this to my husband. As nowadays, the wedding we went, most really did not serve up-to-level dish. That's sure not the couple's fault. You can still serve menu with lower cost but still in good taste. That's the restaurant standard.

As usual, we would go for Nyonya food in malacca since we stayed there until the second day. I would recommend "Nancy's Kitchen" located at Jonker Walk. We have been the makko and the ole sayang located at melaka sayang. I must say, their target is the tourist. The food doesn't taste good. So-so only. Nothing special about their nyonya food. To me, Nancy's Kitchen serve authentic and delicious nyonya food. I like their pong teh, sambal, curry, everything. They can always satisfy me!


Thursday, January 9, 2014

星期四

话说柔佛州政府把工作日改成星期日到星期四。其实民众还不知道我们的工作时间又怎么样改变。今天,也就是星期四,我们的工作时间是从早上八点到下午三点半。

下午跟同事们开完会后回到药剂部,吓到我一下。诊所里没什么病人了,但是为什么我们那那么多人。还有好多人排队拿药。
只好加班帮忙把药单clear掉。
请大家告诉大家, 星期四只开到三点半。我不喜欢加班。如果是重复拿药的人们,请尽早。三点半过后只entertain刚看完病的病人的药单。
三点四十五分时就告诉在柜台收单的同事不能收重复拿药的药单了。我可不想没完没了地做到五点去。

话说,昨天喉咙痛。今天舌头边有ulcer.吃东西好痛呀。T.T
老公买了龟苓膏和枇杷膏给我。有了爱,应该比较快好。哈!

曾经我老公说我是他的princess.
我说,sorry loh, I am not a princess. I am a QUEEN.
Haha.

他说(唱),"I'm a slave for you~" (song by Britney Spears)

他真是太可爱了。

Tuesday, January 7, 2014

现在的人都住得离父母远远的。他们说,在乡下及小镇找不到工作,没办法发挥所长。长大了,应该出去闯,难得能挣脱父母的保护,要去外头看一看。
不然就是说在小地方赚的钱少,要到邻国赚个他双倍多的钱。

的确是可以赚好多啊。现在兑换率2.6。好高呢!

父母就在家乡。可能就只是两老住在家里。

现在有很深的感触。还好我跟家公家婆住。有没有想过,上了年纪的人,身体可能会出现问题。他们万一出了事,谁能及时回来帮忙?他们又可以找到谁帮忙?事事难料啊。

父母含辛茹苦把我们养大。我们就这样飞了。谁来看顾他们?说真的,住在附近好照应啊。
大家只想着要挣钱,要过自己想过的生活。会不会忘了要感恩?

他们说,人是越活越小的。到了七十岁以后,老人家需要的注意力就像小孩般。为什么我们能花心思照顾下一辈,却忘了,身体开始差了的父母也需要我们的照料。

庆幸自己嫁得不远,离家里大概半小时的车程。
万一有什么事,还可以及时到他们身边。

而你们呢?

Monday, January 6, 2014

转载自《无名小轩》Noname Corner

This should be useful as a reference.

想要而不需要的,就是不必要的。

想要而不需要的,就是不必要的。

好有意思的一句话。
早上在ai fm里听到的。


老天爷总在我需要指点的时候拉我一把。
他怎么知道我在烦恼要叫妈妈三月去欧洲是帮我买哪个包包呢。
没有预算,却又很想买。

现在人花钱花惯了。

喝咖啡要喝starbucks.
吃点心要吃西式蛋糕。

我发现西方人的食物都比较贵咧。


克制自己。
千万要省。

还好现在找到省钱的目的和目标。
没存钱,哪有钱买股啊!

Sunday, January 5, 2014

有时候驾车驾到想睡觉。那该怎么办啊。
也不是很远程,怎么那么想睡。

好累。

Saturday, January 4, 2014

十分钟前醒来的最后一个梦,我在梦里一直哭一直哭。我经历了一个故事。

我想我是太想念一个朋友。亦或是我感情用太深。

最近常在梦里哭,然后就哭着醒。或是,醒来了,情绪被带出来,就想哭。

其实,二十八年来,没几个人是我一想到就会触动心里那条线而想哭。多年的感情啊。我用心经营的感情啊。

这个朋友,二十四年的朋友。因为各自的发展,没再联络的朋友。我是太想念她了。

为什么会失联?

我想我需要他们的消息。不然,每每想到他们,我都很难过。

曾经的好朋友。

曾经也为了分开而非常难过,“天下无不散之筵席”,一个朋友这样开解我。

带着一种怨恨的心情,一直哭,一直哭。为什么,我们就分开了呢?
为什么我那么想念你们?为什么我们都没联络了呢?

(哭)

Thursday, January 2, 2014

Wan Xin's school holiday

Basically she is just a small kid. She went to school just for fun. She cannot recognise or write ABC even being to school for one whole year.

Going to school or not seem like no different to her. But sometimes she was having her sleep so deep and sweet that she refused to go to school.

Her very first long school holiday was very fun. Her cousins from USA are here since Nov. We have been to singapore public library, legoland, melaka, singapore science center, Desaru, Kuala Lumpur, etc.

Those days without going far places, she would be in her grandmum's house to play with the cousins. Her appetite has been much improved in these few months. I'm so glad about this. Previously, she can hardly open her mouth for solid food. She can have milks for her breakfast, morning tea time, lunch, afternoon tea, dinner and supper. All six meals in a day. Now, she might only have twice for milk.

But i am so tired bringing them here and there. I am now in 8th month pregnancy. the very big tummy make me so tired.

My sis and her kids are going back to USA in another one-month time. So sad about this. We are having great fun here. Wan xin too.