Archives for May 2009

Ma Pa, I want to be a pilot (Making a Career Choice)

(This is a rather emotional post.If you don’t like to read emotional posts, the ‘X’ button is at the top right hand corner of your screen.)

“Once you have tasted flight you will walk the earth with your eyes turned skywards for there you have been and there you will long to return” – Leonardo Da Vinci –

I’ve always thought that I knew what I was going to do with my life (career-wise I mean). Back when I was 15, I was pretty sure that I was going to be a doctor. Well, that lasted for a couple of months. Plus, during the final two years of high school, my performance in those critical science subjects were not so good, so, I thought, doctor? Hell no.. Not to mention the fact that I didn’t really like the lifestyle of a med student and also the lifestyle of a doctor itself. No offense to doctors out there! It’s just not my thing.

Since I was small, there’s only one career pathway that I have ever considered to be on. I wanted to be in uniforms and I wanted to be in the skies. That’s what I wanted to do.

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Fred Hollows Foundation: Curing Blindness from just AUD25

One of the cruellest things that could happen to a person is loss of sight.

Fred Hollows Foundation exists in order to give people from impoverished countries a chance to see again.

By giving just AUD25, you’ll be able to restore the sight of a person suffering from cataract. Giving AUD80 on the other hand will assist in purchasing 10 intraocular lenses.

Fred Hollows Foundation is an organisation that I have been supporting. I urge you to do the same. Go to here.

“It is our job to do something about the disparity between nations. We discover our own humanity by helping others.” – Fred Hollows –

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Sponsoring a Child: Will it make any difference (PLAN Australia)?

There’s one charity organisation that I like here in Australia. The name of the organisation is PLAN Australia.

PLAN Australia exists to combat poverty around the world. One thing that I like about PLAN Australia is that they don’t discriminate people based on their religion or political beliefs.

One of the programs that they have is the child sponsorship program. With just around AUD43 per month, you will be funding the well being of a child and his/her community.

What do you guys reckon? Can sponsoring a child really make a difference?

Share your thoughts below.

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Credit Cards: Where shall I begin? (A rough guide to credit cards from a non-expert)

Sometimes, it’s hard to understand what’s going on with credit cards. A single bank can come up with many different types of credit cards. All with individual features and benefits (and pitfalls as well!).

Let’s have a brief look at some of the different features of credit cards. Please take note that I’m writing based on my experience and past readings. So, if you notice any inaccuracies or you’d like to add some points, do share your thoughts as well.

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Is it the right thing to be doing the right thing?

Socrates said to “follow the convictions of your conscience.”

The notion of doing the right thing is a subjective issue in my opinion. One’s own beliefs, assumptions, and values dictate whether what he or she is doing is right or wrong.

Putting that aside, consider this question. If you do something that you think is right and you’re being outspoken about it, but there is the possibility that you’ll be chastised because of it, would it still be the right thing to do?

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The dangers of a credit card (A look into the disadvantages/downsides)

Like I said in a previous post , it comes with great responsibility to have a credit card.

There are a number of dangers with owning credit cards. Some of them are:

1. You might get yourself in a mountain of debt. If you keep on spending and only pay the minimum amount every month, it’s as if your debt becomes indefinite. Default the payments and you might go bankrupt.

3. Credit card interest rates are the highest. It’s not a cheap debt.

4. Sometimes, it’s hard to stop when you gain momentum in spending, thus leading you to spend up till a point of not being unable to pay.

5. Fraud. Somebody could steal your credit card details and you won’t even know until it’s too late.

6. The perks and rewards that come with the credit card can tempt you to spend more. Often, credit cards reward you by spending more (accumulate points, gifts, and etc.) and this might lead you to do the wrong thing, i.e. spend more.

7. As mentioned again and again, credit card = BAD DEBT.

8. You run the risk of not being able to track your spending. The next thing you know, you are served with a statement to pay by the end of the month, and you realised “Shit, I can’t afford this!”.

As usual, share your thoughts below.

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How to utilise one’s life?

If you were going to spend a mighty proportion of your life doing something, would you rather be doing something that you like and passionate about even if you need to be facing some extra hardships and pain?

Perhaps choosing what you like doesn’t apply at all? Perhaps choosing the most stable and safest option is the way to go?

One might argue that we need to make some sacrifices in our lives and we are sometimes faced with the challenge of not being able to do what we want to do. However, the need to go through the hardships and pain in the pursuance of your passion is a sacrifice in itself, no?

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I’ll be getting my first ever credit card from Public Bank

Due to my being an investor with Public Mutual, I was offered by Public Bank to apply for a credit card. I see some good in owning a credit, so I decided to do so. Read here.

My application has been approved and as of now, I’m waiting for it to arrive.

This will be the first time ever for me to be a Principal Credit Card holder.

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A Discussion on Amanah Saham Bumiputra’s (ASB) Halal status. The view of Securities Commission (SC). Pandangan Suruhanjaya Sekuriti.

A fatwa was issued by the Majlis Fatwa Kebangsaan Malaysia about the Halal Status of Amanah Saham Bumiputera (ASB). It was deemed to be as HARUS.

However, I came across some new information. It seems like it is HARAM according to Securities Commission (SC) or otherwise known as Suruhanjaya Sekuriti.

Have a look at this.

So, readers, do have a say in the comments section below.

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Why do I need a credit card?

Having credit cards in my name is very dangerous. I’m sure a lot of you would agree with me.

But why would I consider having a credit card in the first place? Well, based on what I read and what I know, there are a few reasons actually.
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