新年快乐!!!

农历新年来了，在这恭祝大家新年快乐，万事如意，新年胜往年。

很高兴的告诉大家，今天我终于在论坛上公布了我的网站，希望网友们会喜欢， 觉得它有用。暂时我也不去想它能不能为我赚钱，反正很多东西发明出来时发明者都不是想着赚大钱，而是想着怎么样照福人群，为人带来方便。

就像我的部落格，到现在流量少得可怜。其实也不难理解，因为我的部落格没主题，没内容，没方向且没暴力，没色情，就像是一本记载着一个普通人每日生活上的琐琐碎碎的日记，试问谁会对一个这样的部落格有兴趣？

看来我需要好好检讨，为部落格定个较鲜明的主题，这样还会有固定的人流来浏览我的部落格。

一月的表现评估

- 在股票市场赚回之前输的，也就是 RM50，000。

评估: 股市真的跌了。虽然我逃过一劫(因为输到没钱买了, 疗伤中)，可是却还并不真的做很多功课来评估那一粒股票值得买。希望以后能够每一个礼拜研究一到两粒股票.

- 考取 SCJP 文凭。

评估: 这个是完全没动到的。可是由于我觉得如果在事业上想继续更上一城楼， 更高薪，学Java是比较好的出路。

- 靠网络世界赚取 passive income。

评估: 这个是我一月里做得最多的，正在create一个web application，希望这个礼拜可以正式soft launch.

- 在下半年买一间屋子。

评估: 股市已经开始下滑了，很可能在未来的3到6个月反映在房地产上， 耐心等待。

- 从72kg 减到65kg。

评估: 现在已近开始维持在70kg了。再接再厉！！！

目标 ：2008

- 在股票市场赚回之前输的，也就是 RM50，000。
- 考取 SCJP 文凭。
- 靠网络世界赚取 passive income。
- 在下半年买一间屋子。
- 从72kg 减到65kg。

关于新加坡的 CPF

当了新加坡的PR已经快半年了，重来没有好好的研究它，直到最近，上了它的官方网站: http://www.cpf.gov.sg/, 对它进行了小小的了解，在这和大家分享。

首先, 我们每个月的Contribution, 将会分别存进以下3个不同用处的户头:

#Ordinary Account - The savings can be used to buy a home, pay for CPF insurance, investment and education.
#Special Account - The savings in this account are for your old age.
#Medisave Account - The savings can be used for hospitalisation expenses and approved medical insurance.

然后，欲了解员工与老板个别的Contribution Rate 及 Allocation, 请参考以下连接 (直接给连接是因为Contribution Rate 及 Allocation 蛮复杂的, 以免说错,便直接给连接): http://mycpf.cpf.gov.sg/Employers/Gen-Info/cpf-Contri/ContriRa.htm


然后呢,当我们开始给CPF, 基本上我们就会买2个保险(除非你opt-out), 一个是DPS(用Ordinary Account里的钱来给), 另一个是Medishield(用Medisave Account里的钱来给).

What is DPS?

DPS is an optional term insurance which covers CPF members for a maximum sum assured of $46,000 up to age 60. The coverage is worldwide. The DPS benefit will be paid out if the insured member passes away or becomes permanently incapacitated such that he or she can no longer work.

How much do I need to pay to be covered under DPS? How do I pay my premiums?

The premium payable depends on your age at your last birthday. Premiums can be paid from your CPF Ordinary and/or Special Account(s). The yearly premiums, based on age and regardless of gender, are as follows:

Age (Last Birthday)	Yearly Premium
34 years and below	$ 36
35-39 years	$ 48
40-44 years	$ 84
45-49 years	$144
50-54 years	$228
55-59 years	$260

The coverage will continue as long as there is sufficient money in your CPF Ordinary and/or Special Account(s) for the deduction of the yearly premium. If you do not have sufficient CPF money to pay the yearly premium, you may pay cash to your insurer.

至于Medishield, 由于也是蛮复杂的Scheme,请参考以下的连接:
http://mycpf.cpf.gov.sg/Members/Gen-Info/FAQ/HealthCare/MSH.htm

如果你觉得Medishield的保障不够好, 你还可以用Medisave Account里的钱来买"Medisave–approved private integrated plan", 这也是现在我在尝试了解的, 一个保险已经头大, 现在还要在5个保险公司中选出最适合自己的配套,看来的花上一段时间.

关于"Medisave–approved private integrated plan", 请参考: http://www.moh.gov.sg/mohcorp/hcfinancing.aspx?id=342

老实说, 觉得新加坡人蛮幸福的, 好多的东西政府已帮他们铺好路, 未雨绸缪. 当然,这也只是我个人的看法,因为某些东西对新加坡人来说, 已经是理所当然, 近而要求更多. 可是, 有要求也不是坏事, 因为有要求还会有进步.

还有一个月便得跟2007告别了

由于转换工作的原故，好一段时间没来更新我的部落格了。上一个文章是在十月十五日写的，已经是一个月半前的事情了。

回主题，还有一个月便得跟2007告别了，忽然好想知道在2007的到来，我为自己定下了什么目标，遗憾的是，我已忘了自己为自己定下的什么目标，也忘了我将我的目标写在哪儿了的. 哇, 已经24岁了, 难道这是我第一次为自己设下新年愿望? 对新年愿望那么儿戏,怪不得到现在还一事无成, 仍然是得过且过的混日子.

无论如何,在这些下我在2007的一些里程碑,整理整理,迎接2008的到来.

- 转换到国际公司工作, 虽然只是 contract staff, 对我来说还是一个好开始.
- 终于和女友一起出国旅行, 了了她的心愿. 可是她却上瘾了, 一直在计划到其它地点旅行.
- 拥有了自己的部落格, 虽然门可罗雀, 可是相信只要我持续地的献上好文章, 相信终有人欣赏.
- 买了个web hosting, 打算建立自己的网页, 但却三分钟热度, RM600石沉大海.
- 在股票市场大亏, 总累计大约RM30,000, 加上以前的RM20,000,亏了大约RM50,000. 回想起年头回乡过年和家人讨论股票, 当是很大机会可以赚回以前亏的RM20,000, 和过了年过后我的投资组合便一再亏损的天壤之别, 我, 开始有些信命了(流年不利,财运欠佳).

一个超恐怖的鬼故事

Ever heard of the gal who wanted to be cremated with her handphone?

This is a true story of a young college gal who past away last month in Singapore. Her name is Priya. She was hit by a lorry. I don't wanna mention the name of the college. She had a boy friend by the name of Shankar. He stays in Penang. Both of them were deeply in love with each other. They used to spend hours talking on the phone. In fact, u can never see her without her handphone.

She spends 3/4 of the day talking to Shankar. Priya's family knows about their close relationship. Shankar is very close with Priya's family. (Just imagine their love) . She used to joke with her frens, "If I pass away please burn me with my handphone." She also repeated the same thing to her parents.

When she passed away suddenly, the funeral procession could not lift her coffin. I was there. A lot of them tried to do so but still cant , everybody including me, had tried to carry the coffin, the result is still the same. Eventually, they called their neighbour, a "bomoh" from thailand (Pak Darin), who was a fren of her father.

He took a seat and started speaking to himself slowly. After a few minutes, he said "This girl misses something here". Then her frens told Darin bout her intentions to have her cremated with her phone. He then opened the coffin and place her phone and SIM card inside the casket. After that they tried to carry the coffin. It could be moved and they carried it into the van easily. All of us were shocked. (Can u feel the fear. i'm shaking at this moment!)

Priya's parents didnt inform Shankar that Priya had passed away. (Pity Shankar). After 2 weeks Shankar called Priya's mom.

Shankar : "Atte, I'm coming home today. Cook something nice for me. Dont tell Priya that i'm coming home today. i wanna suprise her."

Her mother replied: "You come home first, i wanna tell u something very important."

When he got to Singapore, they told him the truth about Priya.

Shankar thinks that they were playing a fool. He was laughing and said "Dont try to fool me. Tell Priya to come out. i have a gift for her. Please stop this nonsense". Then they show him the original death certificate to him. They gave him proof to make him believe. (Shankar started to sweat).

He said... "Its not true. We spoke yesterday. She still calls me."

Shankar was shaking. Suddenly, shankar's phone rang.

"See this is from Priya. See this..." he showed the phone to priya's family. All of them told him to answer. He talked using the loudspeaker mode. All of them heard his conversation loud and clear. No cross lines, no humming. It is the actual voice of Priya & there is no way others could use her simcard since it was placed inside the coffin before cremation. They were so shocked and asked for Pak Darin's help again. Pak Darin brought his master (Tok Chen) to solve this matter. He & Darin worked for 5 hours. Then they discovered one thing...

M1 has the best coverage. Buy M1 shares

买了新手机：Nokia E65

上个星期看到Starhub有promotion, Nokia E65签两年线只需 SGD88, 哇，这个电话我看它从两百多一直跌到SGD88， 而且Singtel 和 M1还卖着SGD200++ 还要加旧电话trade in，当下不假思索， 立刻买了。刚刚看了Starhub的网页，Nokia E65 SGD88 的促销已经暂时没了，现在继续卖回SGD200++, 心里有种赚到的感觉。

说回Nokia E65，买它的其中一个原因是因为这是个有wireless的smartphone. 有了它，我可以在等待的过程中玩弄我的电话，如看戏，上网，及阅读pdf 或 Microsoft Office File 等. 那样，我便可以更充分的利用有限的时间来做最多的事。要知道，现在我每天上班来回需要两个小时半!!!

可是, smartphone始终是smartphone, 并没用普通手提电话的简单实用性. 大约用了一个星期，觉得虽然这个电话有很多的功能 , 可是一些普通的功能却变复杂了, 而且本身也并不那么喜欢用手提电话来阅读pdf 或 Microsoft Office File, 因为电话映幕确实太小了,看了眼睛会痛. 至于上网呢, 因为最近没什么出门, 所以到现在为止它还没什么机会发挥它的wireless的功能. 希望以后它有更多发挥的余地.

其实, 就算这个手提电话没什么机会发挥也没问题, 因为我觉得以SGD88买到一个如此多功能的手提电话已经物有所值了. 所以说, 买东西一定要在正确/促销的时候买, 那么便会让自己捡到好货及便宜货, 让自己立于不败之地, 相同的, 买股票又何尝不是如此.

最喜欢星期五

明天又是星期五啦，为什么喜欢星期五？答案当然不言而愈，因为星期六，星期日是假期嘛。而且一般上星期六不必上班的公司，星期五的工作气氛也会比较轻松，没那么压力。

还记得以前读大学时，有一段时期总是没那么喜欢星期五，因为那时刚开始接触投机股票，不能自拔， 每逢星期六，星期日便会觉得非常失落，觉得没有意义。直到发现自己在不知不觉中投机股票亏损了许多钱，才惊觉股票不是这样玩的。虽然现在投资股票也不见得好，可是至少有了目标及方向，而且不必时时盯着电脑荧幕关注股价，生活也踏实多了。

再说回我的新工作吧。So far so good. 只是路途遥远，一天一来一回需要两个半小时是我目前最大的困扰。除了阅报以外我还可以在摇晃的地铁及巴士上做什么以便不会浪费时间呢？这问题我目前还在寻找答案。

麻坡的华语的新作品:Negaraku

麻坡的华语又有新作品了。。。这次甚至还以马来西亚的国歌来改，真有你的。

Negaraku...negarakuku

麻坡的华语 - 2

好强的创作， 一定要分享：

麻坡的华语

真不敢相信马来西亚竟然有如此好的创作，实在是佩服：

失眠

不知大家有没试过，当夜晚躺下去想睡觉时，满脑子却有很多东西在想，如明天要做什么，怎样做，周末要做什么等等。结果呢，躺了一两个小时才睡得着。

又或者是睡觉睡到一半突然间醒来，或上厕所后，便再也睡不着了。

辗转难眠的同时，害怕，恐慌的心情便跟着来了。为什么呢，因为知道第二天上班一定会觉得疲惫，要有很强的意志力来支撑自己完成一天的工作。工作回到家后，便会觉得昏昏欲睡，自然而然将需要做的事情拖到下一天。如此以来，反而所有的东西都会弄巧反挫。

是随着年龄的增长，压力越来越大？还是因为自己不会好好的利用时间，安排时间呢？

庆幸（或者是不幸）的是，这问题也已经困扰了我半年，渐渐的我也已经习惯了。不会在失眠时感到害怕，恐慌了。现在的我正在学习如何在失眠时好好的利用时间，将要做的东西提早做，大不了第二天晚上不是早点睡咯。就如我为什么在这个时候写部落格一样。

写自又一个失眠夜。