Grandpa - Our happy time together~^^

Fun Moment TOGETHER!!! :)~^^

This is my grandpa, very humble and grateful person. That's why he is always happy. Like other grandparents, he loves us (grandchildren) to be around. Although he may be quiet at times, but our presence is more than enough to make him happy. And I guess our presence is the only thing our grandparents want...guess it's very much achievable for us to do it right? 

By the way, below is a post I shared back then, hope you enjoy reading it~^^

Grandfather Birthday, 20 September 2008

Thinking of ways to make my grandfather 80th birthday on Sept 20 a meaningful celebration. Give me ideas if you have one, appreciate that. It's quite special this time because my parents and brother intended to TREAT my grandpa best friends and relatives for a dinner in a Chinese Restaurant.

Feel it meaningful because my grandpa and family have a wonderful opportunity to chat with relatives and friends who have not meet one another for a very long time. This birthday celebration creates a wonderful platform for them to interact. As I said, we need to make things happen, it's not easy to organise it with many 'problems' faced especially when you are in a Chinese family.

I will try my best to make it as meaningful as possible because this is my grandpa 80th birthday. My grandpa will only experience this big celebration (80th birthday) once in life, only once...I realize that my grandpa is really old now and I guess there is not much time left, may be another 10-20years with him...I dont know when he is going to leave me, only GOD knows about it...but I can tell you that the day will come as time passes and I will feel extremely sad then.

I am racing against time...I want my grandpa to be proud of me and I hope to bring glory to the family as a reward for their sacrifices. To me, that is what a good grandson should do. That's the basics. 

So yeah, many of us may be too busy  with work or socializing with our friends, let us take the opportunity to think about our role towards family members. 

Take action now, if not it's going to be too late and we may live with regrets in our lives. 

"The Truth is sometimes Ugly!"

The Truth is sometimes Ugly!(note the word 'sometimes' as the truth is not always ugly)

Sometimes things may turn very ugly, things we have been dreaming of, things we have been hoping for, things we always think that it's perfect... Well, that's the truth...the fact that we have to accept it. I guess everyone of us experience it. Sometimes when we are working hard towards something, we hope to get good results...we expect there is a change and would therefore inspire us to continue pursuing our goals and dreams.

Eventhough we know that it is good and meaningful, and we expect people to react and respond positively on the effort made, but somehow it doesn't happen that way. Sometimes we are very frustrated about it and may give up along the way in the things we are hoping for...it happens to everyone and therefore, we start to believe that the world is not perfect. 

Well my friends, I would like to say that if a person give up along the way... the dream one has been hoping for will never be a reality. Most importantly, we believe in the things we have been hoping/fighting for because we know it's right and that will certainly make us proud. So no excuse my friend, we should believe! believe! believe!  that we could make it a reality. At least we try our very best...no regrets in life! 

Always ask ourselves why are we willing to take it this far, there has to be a REASON, so why give up now?

YES! The TRUTH may SOMETIMES be UGLY but hey, who says life is perfect. It's the nature of it, one has to be able to overcome it in order to enjoy the sweet things that awaits later in life.

I am wiliing to believe that there is hope in life, and everything is possible... That hope keeps me moving forward in life to achieve more meaningful things. 

There's more to come...hehe!

"Sad to see…."

Sad to see….

Very often, I could see people working so hard but are paid too little. For example, those unfortunate ones like cleaners or car washers were paid only RM400-600 per month. They work for 6-9hours a day and their job is really not simple. They are not working like executives in office; they use physical strength to earn a living. Besides, I saw many kind ones are not treated in a polite manner by customers, fellow colleagues and employer. Not only they are paid badly, they are also the ones that the community sometimes look down upon badly too!

I feel most of the employers are taking advantage of them, just because they are not well educated and therefore they did not understand their rights as an employee. They follow what their employer gave them even though they themselves knew it’s unfair.
Well, all of us are humans. We are all equal and all of us deserve fair treatment. It’s really sad to see things like this happening around us. We must remember that those unfortunate ones have a heart and feeling too, just like many of us in this world. They too need CARE, ATTENTION & LOVE!

Guess the only way out of this is EDUCATION & a STRUCTURAL SHIFT in the ECONOMY...and some SOCIAL ASSISTANCE from the government. 

Assistance directly to help them, u know what I mean...^^

'Tou Fu Fa' Aunty I knew

This is a post I shared back then, find it meaningful, enjoy it!

October 17, 2009

"As I am going back home after visiting my friend place for Deepavali, I saw my favorite 'Tou Fu Fa' stall... I stopped by and make my order.

I chat a little with the AUnty I knew for 10years. Used to stop by always to enjoy my drink. I feel grateful that the aunty remember me well and that's something money cant buy.

She shares her problems with me saying that her children were not so hardworking and not being very obedient. By looking at her eyes, I knew she was quite disappointed and sad. All I could do then was to cheer her up and give her some positive comments. I hope that really help her!

She gave me a 10cents discount for being her loyal customer but I refuse to accept it. After much persuasion from me, she finally accepted my 10cents. She appreciates it very much and wave to me when I leave.

What I want to share here is the 10cents. It could be a very small amount and meaningless to many people... But to me, the 10cents is very meaningful. It's a sweet memory between the aunty & me. I just love that kind of feeling, and yeah even a little 10cents does counts.

Learn to appreciate things. Even a small gesture like this is meaningful. 

Shall pray for u Aunty, 

Pray that everything goes well for u!" 

CAPITALISM - THE RICH MAN GAME?

1. As the word 'CAPITALISM' suggest, CAPITAL rules... Hmm~ some would say not really...well think again!

2. What if you are being told that a recession is not caused by accident? but a plan knew by certain groups of the rich? 

3. Guess the poor or layman may not really know what causes a recession? or why are they currently in a recession? and not know why they lost their hard earned money in investment products.

4. Some may say is due to GREED that they lose their money, while others may say a LACK OF FINANCIAL EDUCATION is the main reason for this. I guess it's both and many are not aware of this!

5.Well, the rich will never want you to know about money... or rather the rules of the game. Because if you know it, they can't earn your money. 

6. May be that's the reason why schools never teach us about it... or banks not taking the time to explain it to you clearly about the property/personal/credit card/car loans you are taking. Ever feel that you are stupid when they explain to you about it? And feel that what they say is the truth and never bother to seek the truth? 

7. Many may not even be aware about it... and the banks love that, the rich loves that... they want your money and they do not want you to know the rules of the game.Worst of all, the rules itself is unfair, hence an unfair advantage to the rich. 

8. Read this: http://www.thestar.com/opinion/editorials/2013/05/27/shift_the_pendulum_back.html

9. A massive transfer of wealth is taking place from the poor & middle class towards the rich. Hence the saying, the rich gets richer, while the poor gets poorer. 

10. Why is the rich getting richer while most of us are suffering in a recession?

11. Aha... this is a good link for you... http://www.thestar.com.my/Business/Business-News/2013/07/15/Is-it-true-that-the-rich-get-richer.aspx

12. Any country that embraces a capitalist economic structure will witness a huge disparity gap between the rich & the poor. It's the nature of it. Take a look at Hong Kong, China, Singapore, South Korea, US & Malaysia. Of course, there are also good points about capitalism but that would be a sharing for another day.  

13. So yeah baby!!! are we going to ignore the importance of educating ourselves about 'MONEY'? or we are willing to take 100% RESPONSIBILITY to make that change and start paying attention to FINANCIAL EDUCATION.

14. Perhaps reading my book 'Believe in Your Dreams & Grow Rich' might be a good start... It's available in MPH, The Times Bookstores etc...



http://www.bookplanet.com.my/index.php?target=products&product_id=227

The above is for educational purposes only! Readers should conduct their own research and make their own decisions.

You may contact me at writetogeorgeleong@hotmail.com or 017-6593817 for financial consultation :)

'Do you have RM200,000 CASH by 30?'

Why do you need RM200,000 in hand when you reached 30?

1. Well, as you refer to my previous post, you would know that RM100,000 downpayment for a RM500,000 house with a 30 years loan @ 5% interest rate would amount to a monthly installment of RM2,147.

2. Besides the down payment of RM100,000 that you have to pay when you buy the house, you need to reserve some money for house renovation and furniture expenditure. You may also need to pay for one or two car loans every month. What about a wedding expenditure for your sweetheart? Approximately, those expenditures (renovation + furniture + cars + wedding expenditure) would amount to RM100,000.

3. And that means you need a minimum cash of RM200,000 by age 30 if you plan to get married and have a family at that age (or at least have a house of your own). Basically, you and your family would just be able to enjoy a normal lifestyle in a double-storey house in Klang Valley with one or two cars and yet would still be heavily in debt over the years. (Note: Do take note that the housing price will increase over the years and in this calculation, I am assuming that the price of the house remains the same.)

4. That is the result of the high cost of living you are going to face in the future and you better be prepared for it if you want to provide a comfortable lifestyle for your family.  

5. Let us take action to provide the best for our family. Let us start by understanding our greatest money making asset that all of us have that would generate us millions of ringgit in the future. 

Stay tuned for the next post...

The above is for educational purposes only! Readers should conduct their own research and make their own decisions.

You may contact me at writetogeorgeleong@hotmail.com or 017-6593817 for financial consultation :)