Money

Example of Tougher Life.. Version 2010

Location: Fraser Hill (A famous highland resorts settlement in Pahang, near the border of Selangor).

Main character: Mid-age Malay Makcik

Nature of Complaint:

1. She has few children which the youngest studying down the hill in a secondary school near Raub.

2. The child staying in hostel to avoid intensive travelling, despite the fact that the road up and down the hill isn’t that great condition and sometimes could be extremely dangerous in the dark. 

3. For past years the child only come back home once a month with weekends staying in school.

4. Starting this year, due to reduction in subsidy to the students, the children are sent home every week, unless the parents were to pay RM 8 a day for the children to stay in school during weekends.

5. Either way, the burden for the parent had increased. In average she need to have extra budget of RM 48 a month if she continue to put the kid in school during weekend. For her to bring the kid back every weekend, she has to travel down more frequently which increase her expenses as well.

308系列短期课程（二）：从哲学的角度看投资

308系列短期课程（二）：从哲学的角度看投资

上课日期：每星期三 （四堂课）

开课日期：2010年2月3日（星期三）

时间：8-10p.m

地点：八打灵再也17区（八打灵再也南区国会议员许来贤服务中心）

讲师：柯正伟先生

赞助媒体：《公正报》

收费：每人60令吉

报名截止日期：1月31日前

联络人：健聪 （012-3075500）

讲师简介：

在大学时期修读经济与哲学，毕业后在一间私立学院任教三年。现于一间资金管理公司任职，负责宏观经济策略与东南亚股市的户头管理。

课程简介：

聪明的投资不止是一系列的规则，而是一种思考方式。欲作出投资决策，我们需根据根本与哲学的视角去了解微观与宏观的世界运作的方式。最成功的投资者被驱使的，是对人类社会及其环境的了解，而非贪念与恐惧。

这项短期课程将有四课。首两课将讨论较抽象的哲学与投资概念，并将应用这些概念以了解复杂的人类社会。后两课将着重在投资领域上的实践。

第一课：主要概念的简介

科学哲学，进化生物学，心理计算理论，实用主义，有限理性，因果关系，相关计算理论，契合，实验，信息不对称，光环效应，自反性，错误难免，风险，不确定性，统计分布，网络理论，复杂的系统，游戏理论

第二课：了解世界的运作

我将使用第一课介绍的一些概念，试图解释我们的现在和过去人类社会活动的某些关键现象。

第三课：实践哲学家可以战胜市场吗？

对聪明的投资者而言，答案是显而易见的。我会尝试从巴菲特和索罗斯等成功投资者过去的行动中辩解如何可以达到。

第四课：人类社会如何从哲学取向的投资方式中获益？

最后一课，我将比较大胆地尝试印证这种投资方法，可以如何改善人类的生活条件。一些例子包括：比尔和梅林达盖茨基金会所做的慈善工作。

How ah? High Income Economy??

I hope I am, but the fact is not for the current being.

So, I keep asking how can I become part of the high income group in a high income economy, a vision of the Father of 1Malaysia. I don’t want to miss the opportunity.

However, what do we need to do in order to ride the national strategy, so called government transformation program and the new economic model? Are we part of the beneficial group? How can I prepare myself for it? Do I need more education? What kind of experience and attitude I need to have? When are we going to see some clear guideline for us to improve? Do I need to switch to other industry rather than doing what I am doing now?

Waiting, and thinking. What’s else?

My Score

What score is it? Well, you may go for your own test at Malaysian Investor website created by SIDC, short for Securities Industry Development Corporation. The quiz is basically testing your basic financial awareness especially on whether you are resistant to investment scams out there.

The website itself, consisting a lot of information about financial planning and investment. It is a good knowledge center for people who are concerning about managing personal finance.

It is common enough that many of us Malaysian do not know much about financial planning. Of course, some may have some saving, some may have some investment of any kind. Worse still, a lot are in very bad shape which suffers from too much unhealthy debt. Until then, we should consider back to the basic, get some financial education with free resources on the Internet, and slowly develop financial intelligent on ourselves. Of course, practicing the best practices recommended. Slowly we shall see positive results.

So have a start? Click here.

We Had Lost 1.5 Mil

As you may heard, there was a massive jam on LDP yesterday morning starting around 7 o’clock. It was due to a burst pipe somewhere near Puchong Gateway. The congestion lasted till around 11 o’clock in the morning. The queue was very long and if assume there were 50K cars jammed for 1 hour each. During the 1 hour, the car may had run extra petrol of 10 ringgit, then it was 500K extra spending on petrol for the day, or extra sales for petrol station for the day. Due to delay to the office, say each person worth 20 ringgit per hour, the productivity lost can be said to hit 1 million. In total, we had lost 1.5 million for the morning.