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Sucks

Sorry, I am also a blue person, and allow me to express my feeling here.


My deal with GOP agent is a long long time story, even before I know my MTM course going to hold in KTR. Since I became crew before, I think I could skip the "Peranan of crew..." and go for the meeting. I seriously dont understand why.

Why others can skip the whole day of the course, whereas I could not skip for just two hours?

Why speak so persuasive and kind to others, while treat me coldly?

Why not let me tell my situation finish first, before you just say one "NO".

I could have let the agent come from 1230pm till 200pm, but he is going KL tomorrow.

So sad now and so sad now.

And another things, what? He never know setting up a stall need permit. Yeah.

Sorry to say, but I don't like UTM right now, till my mood turns good again.

UTM= scold by people + no freedom + sleep late till hurt myself + authorities power

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Facts about the production cost of certain branded product


iPhone



The production cost of an Iphone is just $245.83 but it sold at but it sold at retail price $499. Means Apple stands a chance to earn 50% profit of each 4Gb iPhone sold. See below for the Preliminary Apple iPhone Functional Cost Assesment. Source: Here


NIKE

The nike shoe as well. The production cost is only $20, but it was sold at $100. Source: HERE


Travel agency

Commision up to 60%. Source: HERE.

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Blue Ocean Strategy


Currently reading this book. It is kind of boring at the beginning, but when the authors introduce the comparison between red ocean and blue ocean, and many types of example where the company rise from the blue ocean, it become interesting. I started to feel amaze of the felt of entrepreneurship. Think of Air Asia, I think they used blue ocean strategy, by cutting off the unnecessary thing for some groups of consumer such as meals on flight and the luggage. They manage to cut the cost by reducing some things, thus create a new market in Malaysia and all around the world. "Everyone can fly" implies everyone can afford the flight ticket.

What I learnt from the reading (although still have half of the book yet to read), we must be creative when we provide service to customer. Think at the point of customer, what they want and what they don't want, so that the value of our product will be increase, thus attract lots of consumer.

And I found out that my passion for business strategy did not die, although I not manage to get Actuarial Science two years ago. So, I will spend some time to investigate the related one in this holiday. It feel so good! =)


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Bali Trip 2011

I had create a blog specially for my Bali Trip from 24 to 29 June.

If you like to purchase some cool travel packages, click HERE.

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Marketing Nowadays

The worlds is filled with lots of advertisement now. Facebook used to be a medium for idea sharing, now become a stage for a lot of advertisement.


One extreme headache but irresistible webpage is says.my. Overloads of says.my page had been share in facebook, make people could not find really important information to view. Sometimes, people just ask you to click the link, regards of what information is it inside, because one click you will earn RM0.20! Some even reach until RM0.40! (and yeah, because it is a gold mill, I sometimes doing the same things).

Of course, creating a creative lines in Facebook will help you to earn more clicks. For example, my line for this link: http://says.my/kohwenying/celcom-instanet , usually other will use the default lines such as:



Instead of those default words, just adjust a bit:


you will get the unbelieveable clicks. The promotion is true, but they just did not write in the default lines. (and people like promotions) I found it out when I properly read the website (Sometimes you just need to do what people does not do to get more). I think most people just share without actually go to the website. I get 21 clicks after one day.

................................................................................................................................................

Another marketing plan the company like to do now is:
" Like us on Facebook, you could win yourself a xxxx car"
or
" Join the contest, you could win up to RMxxxxxx." and then you will need to go to "like", "register" and so on.
or
" Votes for me, xxxxxxx, Thank you very much." and then you will need to go to "like" the page, "register" your name, search for the "xxxxxxx" so that you could like them.
or
" Share your thought here, you might win xxxxxxxxxxx. " and the "like"->"register" process continue again.
" I need your votes to xxxxxxxxxxxxxxxx." you knew what will happen after this.

At last, you will found out that the pages you participate in will be like more than 100, but, do you win something?

You spend most of your time like the company, the company get publicity, but our chance of winning something is very tiny.
Think about it when you scroll around Facebook. The facebook is actually earning money by the time we spend to it.

By the ways, it is the human nature that will attract to the free stuffs, don't you? Actually, so do I. Just evaluate your time well. Think how much you can earn for 1 hour if you working and how much you can earn if you spend on Facebook. If helping the company sharing advertisement, you can earn more, why not go for it? =)

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Max InvestSave CIMB


This type of investment came across my mind when I went to CIMB bank with my sister for her CIMB youth account.

Just recap what I read from Lowyat.com yesterday, many people are positive about this type of investment. Generally, this investment requires you to keep money in the bank, every month PPI RM200. Only RM50 is needed to open a account, and of course, the CIMB bank got promotion now, put in RM5,000 as deposit you can receiver 30% as the bonus unit. And if put in RM10,000 also got the promotion. (I dont know how to explain because I am still learning about this). For CIMB youth account, put in RM1,000 and every month PPI RM200 you will receive an exclusive gift (but they never mention what is the gift).

Let's assume you:

Contribute lump sum of RM100,000 as initial contribution in the 1st month.

Contribute RM500 for every subsequent month until 5 years before maturity.
Hold all investment units until maturity.

Here’s what you could enjoy with Max InvestSave:

Tenure: 15 Years - RM155,000 Invested [RM100,000 + (RM500 x 110 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.33%
4.91%
RM289,984.70
Base Case
6.27%
8.64%
RM470,382.62
Bullish
11.94%
12.76%
RM807,542.67

Tenure: 20 Years - RM185,000 Invested [RM100,000 + (RM500 x 170 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.35%
5.73%
RM475,029.16
Base Case
6.29%
10.94%
RM1,163,657.22
Bullish
11.95%
16.56%
RM3,148,282.77

Tenure: 25 Years - RM215,000 Invested [RM100,000 + (RM500 x 230 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.34%
6.44%
RM787,917.61
Base Case
6.28%
12.64%
RM3,023,537.34
Bullish
11.95%
19.13%
RM13,012,805.01

Tenure: 30 Years - RM245,000 Invested [RM100,000 + (RM500 x 290 months)]
Scenario
CIMB Evergreen Index
Performance Per Annum
Max InvestSave Average
Return Per Annum
Total Payout Amount
at Maturity
Bearish
0.31%
7.05%
RM1,326,606.34
Base Case
6.26%
13.91%
RM8,096,395.07
Bullish
11.92%
20.94%
RM55,749,072.10

CIMB InvestSave Index is provided as a reference for the underlying transaction of the Max InvestSave PSSIA-i and the Bank shall not at any time be a party to any transaction related to the trading of CIMB InvestSave Index or CIMB Evergreen Index.
The dynamic investment strategy of the CIMB Evergreen Index is what allows the index (and investors) to gain potentially higher returns, even under different market conditions.


The good things here is:
1) It can be you saving account as well. Imagine you suddenly got so much money to use after 15, 20, 25 or 30 years, because you cant take the money out before it reaches maturity. It is like a gift to you after that many years. And it is good for person who cant bear to see their account had so much money and want to spend. This can help that kind of person to save. (like me)

2) The money will gain up to triple if there are bullish case. Even in the bearish case, you won't lost your money, you just get back what you invest.

The catches is:
1) What if every month you cant squeeze out RM200 to put in? It will be just a waste. Better put in bank account as you can get interest.

2) What if suddenly you need a huge amount of money, and you need to withdraw the money from the Max InverstSave account. From my understanding, in this type of investment, you need to buy some unit, and if you sell out the unit, it will according to the market price at that time. So, if you sell out the unit when the price per unit drop, you will lose your money. Furthermore, you break the maturity period, and you cant get the amount they promise to give you at the end of 15, 20, 25 or 30 years later.

3) What is CIMB invest in? What is the Ever Green Project? Do it guarantee a return?

What do you think?


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Three story by Steve Jobs

This is the text of the Commencement address by Steve Jobs, CEO of Apple Computer and of Pixar Animation Studios, delivered on June 12, 2005.

This is one of the most inspiring speech given by Steve Jobs, It keeps me inspired! So, I am sharing it in my blog.

I am honored to be with you today at your commencement from one of the finest universities in the world. I never graduated from college. Truth be told, this is the closest I’ve ever gotten to a college graduation. Today I want to tell you three stories from my life. That’s it. No big deal. Just three stories.

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then stayed around as a drop-in for another 18 months or so before I really quit. So why did I drop out?

It started before I was born. My biological mother was a young, unwed college graduate student, and she decided to put me up for adoption. She felt very strongly that I should be adopted by college graduates, so everything was all set for me to be adopted at birth by a lawyer and his wife. Except that when I popped out they decided at the last minute that they really wanted a girl. So my parents, who were on a waiting list, got a call in the middle of the night asking: “We have an unexpected baby boy; do you want him?” They said: “Of course.” My biological mother later found out that my mother had never graduated from college and that my father had never graduated from high school. She refused to sign the final adoption papers. She only relented a few months later when my parents promised that I would someday go to college.

And 17 years later I did go to college. But I naively chose a college that was almost as expensive as Stanford, and all of my working-class parents’ savings were being spent on my college tuition. After six months, I couldn’t see the value in it. I had no idea what I wanted to do with my life and no idea how college was going to help me figure it out. And here I was spending all of the money my parents had saved their entire life. So I decided to drop out and trust that it would all work out OK. It was pretty scary at the time, but looking back it was one of the best decisions I ever made. The minute I dropped out I could stop taking the required classes that didn’t interest me, and begin dropping in on the ones that looked interesting.

It wasn’t all romantic. I didn’t have a dorm room, so I slept on the floor in friends’ rooms, I returned coke bottles for the 5¢ deposits to buy food with, and I would walk the 7 miles across town every Sunday night to get one good meal a week at the Hare Krishna temple. I loved it. And much of what I stumbled into by following my curiosity and intuition turned out to be priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction in the country. Throughout the campus every poster, every label on every drawer, was beautifully hand calligraphed. Because I had dropped out and didn’t have to take the normal classes, I decided to take a calligraphy class to learn how to do this. I learned about serif and san serif typefaces, about varying the amount of space between different letter combinations, about what makes great typography great. It was beautiful, historical, artistically subtle in a way that science can’t capture, and I found it fascinating.

None of this had even a hope of any practical application in my life. But ten years later, when we were designing the first Macintosh computer, it all came back to me. And we designed it all into the Mac. It was the first computer with beautiful typography. If I had never dropped in on that single course in college, the Mac would have never had multiple typefaces or proportionally spaced fonts. And since Windows just copied the Mac, its likely that no personal computer would have them. If I had never dropped out, I would have never dropped in on this calligraphy class, and personal computers might not have the wonderful typography that they do. Of course it was impossible to connect the dots looking forward when I was in college. But it was very, very clear looking backwards ten years later.

Again, you can’t connect the dots looking forward; you can only connect them looking backwards. So you have to trust that the dots will somehow connect in your future. You have to trust in something — your gut, destiny, life, karma, whatever. This approach has never let me down, and it has made all the difference in my life.

My second story is about love and loss.

I was lucky — I found what I loved to do early in life. Woz and I started Apple in my parents garage when I was 20. We worked hard, and in 10 years Apple had grown from just the two of us in a garage into a $2 billion company with over 4000 employees. We had just released our finest creation — the Macintosh — a year earlier, and I had just turned 30. And then I got fired. How can you get fired from a company you started? Well, as Apple grew we hired someone who I thought was very talented to run the company with me, and for the first year or so things went well. But then our visions of the future began to diverge and eventually we had a falling out. When we did, our Board of Directors sided with him. So at 30 I was out. And very publicly out. What had been the focus of my entire adult life was gone, and it was devastating.

I really didn’t know what to do for a few months. I felt that I had let the previous generation of entrepreneurs down – that I had dropped the baton as it was being passed to me. I met with David Packard and Bob Noyce and tried to apologize for screwing up so badly. I was a very public failure, and I even thought about running away from the valley. But something slowly began to dawn on me — I still loved what I did. The turn of events at Apple had not changed that one bit. I had been rejected, but I was still in love. And so I decided to start over.

I didn’t see it then, but it turned out that getting fired from Apple was the best thing that could have ever happened to me. The heaviness of being successful was replaced by the lightness of being a beginner again, less sure about everything. It freed me to enter one of the most creative periods of my life.

During the next five years, I started a company named NeXT, another company named Pixar, and fell in love with an amazing woman who would become my wife. Pixar went on to create the worlds first computer animated feature film, Toy Story, and is now the most successful animation studio in the world. In a remarkable turn of events, Apple bought NeXT, I returned to Apple, and the technology we developed at NeXT is at the heart of Apple’s current renaissance. And Laurene and I have a wonderful family together.

I’m pretty sure none of this would have happened if I hadn’t been fired from Apple. It was awful tasting medicine, but I guess the patient needed it. Sometimes life hits you in the head with a brick. Don’t lose faith. I’m convinced that the only thing that kept me going was that I loved what I did. You’ve got to find what you love. And that is as true for your work as it is for your lovers. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. And, like any great relationship, it just gets better and better as the years roll on. So keep looking until you find it. Don’t settle.

My third story is about death.

When I was 17, I read a quote that went something like: “If you live each day as if it was your last, someday you’ll most certainly be right.” It made an impression on me, and since then, for the past 33 years, I have looked in the mirror every morning and asked myself: “If today were the last day of my life, would I want to do what I am about to do today?” And whenever the answer has been “No” for too many days in a row, I know I need to change something.

Remembering that I’ll be dead soon is the most important tool I’ve ever encountered to help me make the big choices in life. Because almost everything — all external expectations, all pride, all fear of embarrassment or failure – these things just fall away in the face of death, leaving only what is truly important. Remembering that you are going to die is the best way I know to avoid the trap of thinking you have something to lose. You are already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the morning, and it clearly showed a tumor on my pancreas. I didn’t even know what a pancreas was. The doctors told me this was almost certainly a type of cancer that is incurable, and that I should expect to live no longer than three to six months. My doctor advised me to go home and get my affairs in order, which is doctor’s code for prepare to die. It means to try to tell your kids everything you thought you’d have the next 10 years to tell them in just a few months. It means to make sure everything is buttoned up so that it will be as easy as possible for your family. It means to say your goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy, where they stuck an endoscope down my throat, through my stomach and into my intestines, put a needle into my pancreas and got a few cells from the tumor. I was sedated, but my wife, who was there, told me that when they viewed the cells under a microscope the doctors started crying because it turned out to be a very rare form of pancreatic cancer that is curable with surgery. I had the surgery and I’m fine now.

This was the closest I’ve been to facing death, and I hope its the closest I get for a few more decades. Having lived through it, I can now say this to you with a bit more certainty than when death was a useful but purely intellectual concept:

No one wants to die. Even people who want to go to heaven don’t want to die to get there. And yet death is the destination we all share. No one has ever escaped it. And that is as it should be, because Death is very likely the single best invention of Life. It is Life’s change agent. It clears out the old to make way for the new. Right now the new is you, but someday not too long from now, you will gradually become the old and be cleared away. Sorry to be so dramatic, but it is quite true.

Your time is limited, so don’t waste it living someone else’s life. Don’t be trapped by dogma — which is living with the results of other people’s thinking. Don’t let the noise of others’ opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth Catalog, which was one of the bibles of my generation. It was created by a fellow named Stewart Brand not far from here in Menlo Park, and he brought it to life with his poetic touch. This was in the late 1960′s, before personal computers and desktop publishing, so it was all made with typewriters, scissors, and polaroid cameras. It was sort of like Google in paperback form, 35 years before Google came along: it was idealistic, and overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and then when it had run its course, they put out a final issue. It was the mid-1970s, and I was your age. On the back cover of their final issue was a photograph of an early morning country road, the kind you might find yourself hitchhiking on if you were so adventurous. Beneath it were the words: “Stay Hungry. Stay Foolish.” It was their farewell message as they signed off. Stay Hungry. Stay Foolish. And I have always wished that for myself. And now, as you graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.

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