The most boring weekend - ever

I just had the most boring weekend ever.

First of all, I don’t like the idea of going nowhere during weekend. I don’t like it; I have had enough of wasting my weekend by sleeping all day long during my student days.

It was gloomy all day last weekend. I do like it when it’s raining, but certainly it must have something to come along with – like winding up after working on something for a long period. Bring in the black coffee as well. How about a good company to talk with? Sadly, it only happens during my uni days.

Being a father taught me many things. One of them was, when Hana is sleeping, we can’t go anywhere. Sure, we can just put her in stroller, but I bet it won’t be long before she got cranky and everyone gets upset about that. It’s a business of trying to understand things that happens randomly and you only have seconds to figure the way to handle it. This is more confusing than figuring if we can lick our own elbow.

Future mechanic

Hana is an active little girl. Hyperactive is the correct word. At 11 p.m. she’s still making her own tour to every corner of this house. Last month, we woke up at 2 a.m. and she was not on her bed. It turn out she was in the kitchen, playing with our pet cat; whom always felt threatened by our little girl. We used to let her watch cartoon as she would sit and pay attention. That tactic is no longer useful. She found out fiddling with the cable TV remote control is fun; we have to cope with her changing channels randomly and sometimes, she turned off the Astro.

My mom told me, it would not be long before Hana will start to behave. I wonder, how long? It’s like yesterday she evolves from walk to run and hit the sofa – right on her face. Again, how long, I asked myself. I’m afraid if someday she got too excited and realizes she could run and jump – and land on anything! She’s just a 1 year old kid! I’m still working on her life insurance, just in case anything happens, she will get immediate medical attention and treatment. It’s really a fool move to allow social security disability. Money can buy anything, but will it be there when you need it? Savings is the answer. I opted for life insurance, and some savings in local bank – for her future education.

As I’m writing this, Hana’s sleeping. I wonder if she will wake up again at 2 and what will be on her mind this time.

Be wise on your wealth plan.

Have you ever been in this situation?

You put your thinking cap, focus on something and how to make that work. Slowly, you start to mind-mapping all the plans and actions needed. You finalize it and you decided to share it with your friend. Your friend somehow tells you your plan is real plain – nothing, thus you will not benefit from it. Worst, he told you don’t waste your time on doing something that is pretty hard to do.

You will react according to how much effort you put on processing your ideas. If you don’t think hard and smart enough, you will just simply go with the flow – thinking it’s better to listen to your friend opinion. On the other hand, you work really hard on your ideas, put some extra hope and passion into it – you turn your back to your friend and decided to give it a go.

If you’re reading this, you will not hesitate to decide to do the latter. However, if you really have been in this kind of situation, 50% will decide to go with the flow. Friendship lasts forever, so you told yourself. Then again, why do we put our fate on someone else hand’s?

No, I am not talking about friendship. The previous sentence merely a metaphore – to give some visual ideas on the situation I intentionally picked to make my points in the next sentences.

Idea. It’s a commodity of now and the future. I can come up with new ideas. So are you. So does everyone else. But did we turn it into reality? Did we work our way on realizing it? Do we even bother to write it on paper – or type it into our PDA or smart phone?

I like to think. Most people didn’t see me as a thinker. Most probably they describe me as someone dull – not talkative. I don’t think with my mouth. I think with my brain, and obviously it doesn’t come with speaker so everyone could have a piece of my opinion. It’s like a central vacuum system. You’re in your own world, except that you suck in everything you can think off to figure if you can make it. Seriously, thinking is the only method that allows you to keep dreaming. You can break barrier when you think. You will not see the sky as a limit. You can make impossible possible.

But there’s a limitation. We are not living in the dream world. Whatever playing on our mind could or couldn’t be realized. It depends on how much planning you make. Planning is the next step after the birth of idea(s). It’s like cooking; you want to have chicken for dinner. But what you expect as a final result? Chicken curry, fried chicken, chicken chop, roasted with gravy on the bottom – it depends on your preparation. So does planning.

Take for example, money.

If you just want to have your money ready when you need it, you simply take a portion of your monthly pay and loyally save it into your savings account.

If you want some profit from savings, you go for mutual fund or other investment vehicles with low risk. It just needs at least RM 1,000 that you will never withdraw to start up.

If you want to make more money, go for stock market. This one requires you to be armored with handful of knowledge and information. Stock market changes according to situations – and you need to know how to read the stock price, the market condition and other factor that might affect your portfolio. Besides, at least you need three months extra worth of the value you start with to avoid selling your shares when the price drops – so you still have your portfolio intact when the price go back to normal.

There you go. It same like cooking chicken. The chicken is money. But how you want it to be served, it’s up to you. Fried chicken, roasted, steamed – the taste, the look, the work varies. That is when you need to work your way on coming up with the result you desired.

Finally, when it comes to money, instead of going to your friend, go for other sources that are reliable. The good one will help you make money.