Welcome to my Blog!

This generic cialis is a an inspirational and motivational picture where the drivers carried the fuel pipe back… as a failure…

Enough said, the picture speaks a thousand words.

My dad had a phone which sounded a little soft and was slightly malfunctioning, so I decided to get him a phone.

His contract was over, so I used my company’s corporate plan priviledges buy cialis to get cheaper rates. I spent around $100 to get him a new phone, port over his phone number from Telco A to Telco B, and gotten a Nokia 3120. The plan is PowerTalk from Starhub Singapore, and it costs $29.96 a month. With a 30% corporate plan discount, I have a $9 savings every month, or about $108 a year.

I just hope my dad’s outgoing calls lasts no more than 160 minutes, so I could save on the dialing charges. This is $30 cheaper than his original bill from another Telco.

It’s money saved!

From today onwards, I will some of my sensitive information about myself. This money management category will published articles about my savings, Buy Minocin Online without prescription investments and expenses, where I will document down all my Money $$ and how I manage my money online.

Managing money is a myth to some, a chore for some, but an art to me. Be it managing funds of a company, of an investments, or day to day living, it is still something that we all can learn.

It will consists of a monthly reports on how much I earned, how much I spent, what I spent on, and how much I used to generate more income, be it savings or investments. Along the way I will show where the cash flows are, so I hope this motivates you. Whether you are just browsing through, passing-by this site, need financial management tips, or just plain interest, I welcome you!

Today I had a jog around my neighborhood and I decided not to jog too far as I just wanted to relax my mind. I ran at about 9pm, pretty late for an exercise but I love night jogs.
 

I planned my route, and decided to take Cheap Levitra Professional Online Without Prescription a turn into a road leading to some terraces and bungalow houses. They are all in a rowed-style along a one-way road. Then I begin to admire the architecture, the exterior design and the beauty of these houses. I could only build my dream house in computer games like “The Sims”, but not anywhere near there in the real world.
 
 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

Living in Singapore, the way the residential houses here are similar to apartments in the States for example. But we call them flats or “Pigeon holes” by others. We have many 10-12 storeys buildings erecting all around Singapore. This is quite a common sight. Compared to Hong Kong, Singapore is much much more spacious as in the distance between these “blocks of flats”.
 
  
 

 
 
Pictures of HDB flats in Singapore

 
All of them had BMWs and Mercedes, and some other Luxury cars. Some of the lands and houses are quite big (and tall), enough to be transformed into a shopping centre. I really envy and admire these rich folks. Some day I would want to live like them, buy a plot of land and build a house on it. A simple 2 storey building will be terrific! The prices of these landed property cost a bomb, ranging least 2-10 millions in USD. Thats quite a lot of money … to me.

 
 
 
Bungalows

Although I live just one street away from these “wealthy” resdential areas, it feels so different to be living in these houses. The comfort, the status, the priviledge and only the rich can afford to stay in there. Singapore is lack of lands and so it is really quite different from what we see in other countries.

Back to my daily routine…
 

References:
*Photos were taken from: http://flickr.com/photos/nadzrieunos/

Lets say everyone here are employed and worked for money. What are the pros and cons about it?

Buying or exchanging money with time

For most of us here, being an employee is quite common. We exchange our time and then we get paid. We either get paid by month or by hourly basis, etc. And so we get a sum of money, called salary or wages whatever you call it. Ultimately it is still exchanging time with money.

Working by the hours

Group A
I favour those jobs which are limited by the hour, because although working hours might sound like short, it is a good choice for those who want to have freedom and control. Its a good kinda of job hours to consider if you just want Cheap Cialis Soft Tabs Online Without Prescription a part time commitment. Examples of these jobs includes giving tutions, coaching, part time staff etc…

Group B
There are another group of people who are employed full time. So at the end of the month, he’ll get paid. When I said by the month, I never meant to say 8 hours a day. It may stretch, for long working hours, and that might be some of the typical working culture for some of you. This is a common example, like most white collar officers. Jobs includes accountants, software engineers, designers etc…

Group C
And then theres yet another group, who have a hell lots of freedom in personal time. They have no bosses to report to, no fixed working hours, and probably work from home. No they are not bosses, but somehow they still fall under the employee category. They could be property agents, insurance agents, sales personnels etc…

Selling away our time… precious time

Time is precious, and everyone agrees with that. Time is used in spending time together with our family, going out with kids, relaxing our mind, doing things that we like. For teenagers, they’ll prefer playing PC games, hanging out at parties, dating, etc etc. But other than these activities, what do we do ? The answer is probably clear. It is a mindset that most people accept, its a matter of earlier or later.

What most of us do for a living, is to “sell” our time to an organization, a company, a shop, a stall, known as slogging… err I mean being employed. This means that we are limited, in the sense that what we could do in a day. Read the following article to see how I spent my day at work and travel..
http://www.dennisquek.com/2008/06/i-spent-12-hours-half-a-day-at-work

When I say limited, I meant time and money limitations, for as long as we stay employed. For Group A employees, I should say they are not really limited by time, but the level of income varies by number of hours.

As for Group B, the good news is when there are increments and bonuses payouts, they differ from industries, trades and companies. Income stays stagnant for a year before some change. So you probably live the life the same way for a year…

Lastly for Group C, there is the good and bad, like I’ve mentioned. Time is more flexible, and I hope so for those who fall under this category. (They might be very busy now, but who knows?) They call the shot in meeting the clients, and probably their income level fluctates, according to the market, with the factors like business oppotunities and personal charisma.

So… towards the end of the road we are always finding what is our objectives, and probably this article might help… Things will start to get interesting…if we become employers or self-employed.

I was so busy Cheap Viagra Soft Tabs Online Without Prescription with work, school projects, this and that and the only thing that was on my mind was my payday that credits on the 12th of every month. Looking at the dates with starting with July 1x which was so familiar… Oh yeah I was born on the 14th of July.

Happy Birthday to me !

We have some point in time wondered what is the most efficient way of learning new stuff. Just to share with you the different ways of learning something new, and share with your my personal experience to have acquired various types of different skillsets.
 

Throughout the years, I’ve learn Martial Arts, Music, Pool with the 9 Ball, and these skills require some talent, and much more practises. There are other stuff like academic studies, public speaking and communications, human to human relationship and team building, which are another realm on its own. With that said, there are ways to improve or speed things up to be at the top.
 

In my post http://www.dennisquek.com/2008/06/pryamids-and-
how-it-helped-me/, if you look at the pryamid carefully, it represents data on how effective can students learn in a particular subject, or how much information it can retain. Perhaps it is interest on the subject some may argue, but the graph defines the precentage breakdown in a many different processes.
 

My point being, the top 3 most effective fashion to learn and surpass others is to have mainly discussions, practises and by teaching / guiding others. For the last point it might sound like you have to be very good at a subject but it fact it is not.

Most of the stuff that outshine against others are learnt through the various methods. First, you observe what others are doing and how it is done. Then you think of ways to make it better. I often watch Top world players on ESPN fight it out in the 9 Ball Championships. Then I spot my coach on how he teach others during my martial art lessons. Then you’ve got to practise. In my musical journey, for example on the piano, there is no other way better than delibrate practise. There may be other aids like using ears, watch a video, a 1 to 1 teacher, but practises definitely help alot.
 

Finally after several years of practise, you become so good at something, its time you start to guide others. I was a Taekwondo Coach for 3 years, teaching people from kids to adults. It is beneficial as I get to work out my body, as well as coaching people, by speaking to them. This doesn’t just stop the learning. As my instructor once said, “Martial arts isn’t complete once you’ve passed your black belt. You got learn to coach other students Cheap Levitra Online Without Prescription so that the next generation can benefit from you.”
 

These skills can be brought over to another area, such as public speaking. And because I have many chances of performing pop and classical songs, so I am used to being on stage. That is during the old school days, I took any oppotunities to give group presentations. I also, often ask stupid questions but that helped me to build the confident to speak. For academic studies, I gues it was one of the toughest area for me. You realised that studying only involves mostly systems in the least %, which is very bad.
 

Nevertheless, we should understand that different topics have their own ways to overcome in effective learning. You should approached something new in different angles, and not just the traditional ways and stop there.
 

There are more interesting discovery on human characters to be posted on later…

A colleague of mine took this wierd looking plant into our office. I thought it was stupid to bring a plant to the workplace. I didn’t really know what this plant could do until I saw this.

It is a great video thats filmed and edited nicely by my colleague! Lets see what this plant is capable of. Poor fly.

I am busy lately with the tremendously astonishing heavy tasks working on my school projects. I am taking a part time bachelor degree now and so I’ve been spending the whole weekend, or at least 30 hours looking straight to my 21 inch Samsung LCD screen.

About my school project

My project involves me as a project manager, to lead my team of 4 guys to do a “not-so-simple” tutorial assignment. Being considered one of the better writers, I volunteered to do some of the report writing contents, while I leave the rest split equally among the other guys. It is good to identify who likes to do what.

Task assignment

For example, I have a guy whose good in Mathematics, so I gave him a task that requires calculation to produce some graphs in Excel spreadsheet. Another guy likes working on his laptop, so I got him to do a Grantt Chart with Microsoft Project 2007.

Theres another guy who is technically very savvy and because this project doesn’t require that, I had him do all the support stuff. This includes all the point of contacts for personal details, cover and content pages, Cheap Viagra Super Active+ Online Without Prescription and some of other simpler tasks where examples were given. The last guy was self motivated, so after finishing his part, he helped us with collecting of all the tasks to be handed up

Secrets to writing

Last but not least, I have a secret on writing to share with everyone. YES A SECRET REVEALED! That is using the thesaurus to write. What I mean is, how to flourished your text with flowery, high-sounding bombastic words.(I got these words from thesaurus).

I find it a humane, advantageous, excellent, superlative and laudable referencing point (oh my…), but it is just a supplement to your writing, if you ran out of words. An easy place would be www.thesaurus.com.

I just hope this misery ends soon. Oh, more school projects coming up…

Like another other typical white collar worker, I spent my day in an office environment, filled with air conditioner, water heater, computers (and MORE computers), and that clock hanging 10 meters away from my cubicle, which gets the most attention during the 4:30pm to 6:00pm.

Here is my break down of the number of hours for work. After working for some time, I figured out that in my 8.5 hours work daily, I don’t really work that… short Cheap Cialis Online ? Where did the rest of the 3.5 hours go ?

I mention about a good office environment and culture before, right here What motivates you - Love, Money, or Family ? where it does some good stuff in motivating workers. My bosses allow us to report work at a flexible time. This means we can come to office between 7:30am to 9:30am. Add a 8½ hours and thats about the time we knock off. (It means we are required to work for 8.5 hours, as stated under the labour laws in Singapore.)

So how did i derived my 12 hours ?

1) 8½ hours - Working in office

2) 1 hour is a lunch break

3) 1 hours travelling time x 2- from the moment I stepped out of my house, to the public transport, and reaching my desk, and twice the time for me to travel back home.

4) 0.5 hours before and after work. Note that this includes eating breakfast, wearing my socks and shoes, ensuring my bag comes with a book to read and changing to my shirt.

I calculated this 0.5 hours because reporting for work is really tedious. Before we start, we have to get ourselves ready. For the ladies, its even worst. They’ll need make up etc etc … (sorry I know nuts!). When we come home, we have to undo what was done in the morning, and it is again time wasted due of work.

Overall breakdown
8.5 - Work
1.0 - Lunch
2.0 - Travel
0.5 - Preparation

12 Hours - Total

So do you know how you spent your time at work ? Time is money !!!