牛仔裤

年轻的时候总爱穿牛仔裤。

真的是不明白那时的自己怎么想的。

衣橱里虽然没很多衣服裤子，牛仔裤也只是两件。

可是躺在那边至少也有两年。

两年没穿长的牛仔裤了。

其实，牛仔裤一点都不舒服。

哈哈。

如果在冷天还可以御寒。

在我们这里，真的是一点都不好穿。

也有可能是现在稍微福相了一点。

穿起来稍紧了些，不是那么舒服了。

所以，没再穿了。

也没买，因为都知道不会穿的。

都穿短裤。

短裤随性，方便，舒服。

女儿才那么小，也不喜欢。

总是跟我说很紧。

算了，依她吧。

虽然牛仔裤穿起来是比较帅气好看。

应该都不会买牛仔裤了。

做什么最好赚

那天在车上问了老公，你们平常一场工可以赚多少钱。他们做建筑的，好像赚大钱酱，利润到底是多少？

扣到完，老板赚5%-10%酱。如果一场五百千的工，10%才50千。然后又不是一个月50千，是整场工的利润。那就是说那么多个月下来，可能八九个月，可能一年，也才那10%。如果五个月做完，也才赚十千一个月。十千一个月很多吗？他们是老板咧。而且还要看头看尾，时间都花在上面。（我觉得应该是不敢讲太多，10%也太少了。）

利润10%其实真的不是很多。

我就说，那我们卖药的比较好赚咧。平均来讲应该都有20%利润。那时平均来讲。有的profit margin较高，有的较低。我们也是花整天的时间，可是是在冷气房里。不会太辛苦啊。而且药都好贵，随随便便一个药可能就整百块。又不是只买一样药，一天里那么多人来买。都不错一下。

不过，好像卖吃的更划算。至少都翻倍赚。成本才多少？食物的成本很低的。只不过现在卖吃的好像都讲究装潢，那就要先投资一笔下去。不过在我们这里小地方，没有什么装潢也是OK的。而且怎样都会有生意。我看卖吃的都一定有生意的。还是卖吃的最好赚。

只不过，做老板都是要亲力亲为。 时间精力都花在上面。

那么，还是chain或franchise最好做。他们都有一个模式了。找着模式走，花高费请个能者帮忙打理，可是这个也只是打工，那份薪水，可是利润自己赚。多划算。

哈哈。难得有个那么有意思的对话。

Donation to Mercy Malaysia

Saw the pop up at Maybank.

The earthquake, the disaster at Nepal, the broken heart moment of many people. I always wondering where can i make a donation. Which one is a more trustworthy path? I really don't know. Nowadays, people cheat. Even the most 'branded' and 'wellknown' charity organization can still use big portion of the donation for their own use. We just can't trust. We make a donation, and we hope that the money can really reach those who need it.

Some through newspaper fund, some through those religion organization.

I guess i heard of Mercy somewhere. They are a team which will provided medical helps to the victims, victims of the natural disasters or of wars.

So glad that i see their banners on Maybank. I trust Maybank. LOL. And you can just donate through the "registered bill".

We just have to pray more. Pray for people, pray for peace, pray for the world.

上周股市成交统计

资料来自《资汇》
27/4 ~20亿股
28/4 ~20亿股
29/4 ~15亿股
30/4 ~15亿股

上星期成交量没前一个星期多。
而且综指跌。好多股价都跌。

晚上才看一下，咦，怎么Fiamma跌倒1.92。
差不多亏10%了。
SHXT.

希望只是调整。
不过为了止损，会排着卖。

三块钱的早餐

乍看题目，好像很便宜的早餐。其实这只是一包米粉加一粒煎蛋。

如果是马来人卖的话，可能才块半。如果是别档华人早餐店，才两块四，这也算贵了。今早竟然给我买到三块钱，噢我的天。

 如果我在别间买，米粉加蛋再加一片午餐肉才三块二。

现在的日子该怎么过？

总之就是能省则省，最好别在外面用餐。自备早餐和午餐，这就省多了。

昨天的午餐我们吃了Sakae Sushi.这间日本餐店吸纳了GST。就是说，食物价格变便宜了。四月一号后，加了服务税，我们给的价钱照旧。真好。这不就是让他们少赚吗？得拿出原本的盈利帮我们给税。昨天两人的午餐，我们吃了五十元。其实也不怎么贵，因为吃得好饱呢。

之前有试过早晨起来煮面带来工作的地方吃。哎，实在是起不来。试过一次过后，至今还没再准备。还是吃面包最简单。

不怕慢，只怕站。

其实距离100千，我还有整整75千的距离。

我想这两年都不用换车了。

哈哈。

上星期四又加码ECS，它也跃升为组合里的老大。真正持有也不过是四个月的光景。加码前肢上盈利有约25%，现在拉高了平均价，还是有约18%。挺不错的。

六月会有股息。今年的股息收入肯定能比去年多了。去年也才那么约五百元。

把预计的股息算进去，可能能达到800多元吧。

不怕慢，只怕站。

安慰一下自己。

Skincare products

Currently i am using L'Occitane angelica line. Like the smell, like the feel on my face. And it works for me. 

Recommend their toner, sunscreen and the face cream.

However, they said Korean well known for their skincare and make up too. So how could i not purchase some when i am there. My target will be sulwhasoo. 

Recently i have read some instagram, where people share their skincare. Some use La Mer. I aim this long time ago. But it is super expensive. So i still haven't had a chance to try. Haha. not about the chance, but the budget.

When can i had the chance to try La Mer?

省钱

这个月我很省。没出门吃什么好料，没买护肤品或是衣服。没有出远门。

省到我很开心。

可是下个月，也就是这个星期有个长周末，会跟家人出门走走。

然后月中要到怡保喝喜酒，顺便也是观光。我还没去过呢。会带两个女儿，还有她们的外婆去。那样子的住宿就要两晚六百元。

哦，我的钱包。

六月要去韩国玩。

所以是，省少少，花多多。今日的省钱，是为了明日的花钱？

>.<

Insurance

What kind of insurance policy do you have?

I have three currently.

One is for 36 diseases. This is one traditional type of policy. What is traditional type? Well, i am not an insurance agent. From what i understand, this kind of policy is more expensive, but the cash value is higher. This was purchased by my mother when i was 18 years old. How wise she was. Can take it as a saving. LOL. At the beginning, she made the payment. When i was 24 years old and started working, i paid it by myself. It was aroudn RM1000++ per year.

The second one is the normal medical policy. All in one policy, including life insurance, medical card, accident and a little small part of investment. It costs me RM240 per month. Heard that the year i purchase it is some kind of anniversary of the insurance company, so my policy is a bit special of the benefits. Don't ask me how. I do not know. Previously, i thought i want to put more portion on the investment part, as i thought this investment would bring me wealth, or interest. I was wrong. A friend of mine who was an insurance agent told me that actually this small part of investment won't bring you much. This is only to cover your policy when you are not able to pay the premium. After that only i adjust the portion. I bought this policy with another agent. My friend really taught me a lot. An insurance agent with the intention of eduate people. We need this kind of agent.

The last one is saving type, where i need to pay RM6000 (plus some fee and tax) per annum. After 10 years continuously, i can start collecting the interest at RM2000++ per year, until my daughter is 86 years old. This policy is tied with my daughter. So we can get interest longer. The promised interest is 4% plus another rate depends on their investment gain. We can only take this as a saving, and not investment. 

I was satisfied with all this. And i don't think i would buy anymore. 

With the premium burden, i can save less, but more secure. Anyway, the most important is where we can live securely without worrying too much.

As a government servant, i have more options. This ease me too.

过热的市场

昨天读了最新一期的资汇，里边有个访问说，如果市场超过40亿成交量，那我们就得注意市场是否过热。去年8，9月也就是市场到达顶峰时，曾达到76亿的单日成交量，过后也就开始颓废。

我想，这能给我们很好的警惕。

想象去年尾，慌忙的丢掉手上的股票，为了自保，也为了止损。结果就是那时把这两年来的投资摊平，没盈没亏，那倒也是白忙一场。

那时，大家多惊慌失措，深怕熊来了。

当然，止损是必要的。

而今，今年也才过了4个月，综指又站回1860点。单日成交量也能到达30亿宗。

得时时警惕自己，若是过热时，真的得离场，或者别下单自保。

资汇真的是个好东西。