ORD!!!!!

” Ord… Back to study, got degree, so happy, cant forget days in army – with my rifle and my buddy and me me me… “

Finally, 2 yrs is over… And i’m free man. All ready for civilian conversion course !!! I am going to Chiong all the way and get back what i have lost out for the past 2 years…  

Throughout this 2 years, i have given my BEST and achieved what i aimed for.

1.) Friendship
2.) Net-working
3.) Physical Fitness
4.) Desire Physique – 6 Pacs ) !!!
5.) CFP – Module 1 completed during NS period

I have not let my parents, myself, my buddies, my Men or my commander down throughout my NS life – from a Recruit in BMT to a Private in SISPEC to a CPL in ETI to a 3rd Sergeant in 30 SCE… I guess everything is really fated to be. From the postings to the unit and all the people that i ‘ve met and all the shit that i have been through. I am glad that i have been through all the happy moments, tough shit and sad moments in Army. It made me grow alot as a young adult. I am happy that i became a commander during my army years. I’m also glad that i wasn’t posted to some slack unit or vocation. If not i wouldn’t  be able to achieve what i really wanted. All the things are well linked from one stage to the other.

I wish to thank all the people who have made a positive impact & experience in me during these 2 years:

1.) BMT buddy – Zhong Wei & Timo
2.) SISPEC buddy – Brandon & Ying Guang
3.) ETI buddy – Darian, Heng Yong, Kian Ming & Tang Jie
4.) 30 SCE buddy – Jullian, Gerald, Jun Qiang & all the Charlie Men!!!!!

Last but not least, i still wanna SHOUT out LOUD!!!! ORD LOH!!!! All the BEST to me in the civilian world. I will do my BEST and make it BIG!!!

“Want to do, do your BEST! If not don’t do at all!!!”

So far so good !!!

Passion – Goals – Desire & Wants – Focus – Consistency - Hardwork – Discipline = Success

That’s my formula for achieving my goals

Winning starts from BEGINNING – Starting from January, i have been very focus with my my goals for 2010. I came out with a New Year Resolution 2010 Video & recap on my life time goals, both proximal & distal.

So far so good – I have been able to achieve what i aimed for in the first half of the year. Everything went quite well and according to my plan

First of all is my CFP M1 Certification – Passed the exam in April’10.  Im going  for Lessons and exams on  M4 (Investment planning) in June and M5 (Retirement Planning) in Sept to achieve the AWP (Associate Wealth Planner) Designation by the end of this year

Next, I’m relatively happy that i’m still able to keep up with my gym workout and cardio training so as to achieve my desire physique. However, i still need to be MORE discipline in my diet and I MUST LEARN TO REJECT ON GOING OUT ON THE WEEKENDS!!! This is a very important factor because firstly, i don’t wish to intake ANY Alcohol (even if its just a small amount) Secondly, i must be focus on my investment research and i need ample of REST after my gym wkout…

Current Bod Hope to get better at the end of this year !!!

 i dare to wear NUM singlet out again … But i still need to put in more hard work for my SHOULDER AND CHEST!!!! =( not good enough…

As for $$$$$ wise, i’m still in the process of keeping up more skills in forex investments and derivatives market. I will be attending alot of workshops and seminars by the SGX and from my broker platforms starting from end of this month. But not too bad, i made quite a good amt in Forex till now I will work harder to achieve my dream job as a full time investment trader.
Full time trading is definitely an idea job and career. 8 to 5 NO MORE!!!- More personal time to pursue own passion – Work from home – No restrictions – Own time Own target…

Thailand trip 23rd – 26th April

Just a short trip to unwind and reward myself from working so hard for my AFP
M1 Exam. It also serve as a holiday trip before i ORD in June this year!
Starting from JUNE, that’s when everything starts to kicks in again…
AFP – M4, Uni Bridging course in Econs & Maths, Teaching tuition, Investment
research and trading + keeping up with my fitness workout schedule
Base on my planning, my busy period will end around 2nd week of Aug. My uni
will officially start in mid sept, so probably i may plan for a 2nd trip to Thailand
during that period again But this time, i may either go alone or just with a friend.
It’s more convenient and more freedom this way

Anyway here are the pictures taken during my Thailand trip…

At Pattaya Beach – They say “Good guys go to Heaven, bad guys go to Pattaya” =z

Bay Watch ))

On the way to the famous walking street in Pattaya =x

Pattaya – Walking Street

Walking Street – Roxy
An eye opener for all of us Pretty happening…

On the left is Timothy’s friend – FAH and on the right is my friend Adul. I knew Adul
on the bus journey towards Pattaya ) He’s from Africa and currently working in
Swiss… All the best to you, Adul. Nice to meet you dude.

The BEST  Tom Yam soup i have ever tried  so far ))

Once again, my favourite Sun Set view )))

My thai friends – Tangmo, her sister and Bowling
Thanks Tangmo: for coming down to RCA to look for me during my last night in
Thailand.
Thanks Bowling: for coming down to RCA to join me and my friends at club SLIM
& also thanks for bringing us for good massage and good food on our last day PLUS
sending us to the Airport. Really Appreciate it alot !!! It’s my turn when u come to Singapore for holiday in the future k ))

All the BEST to you girls … Please take good care in Thailand…

@ Club SLIM – RCA Enjoyed the night …

A super dooper power massage during my last day in Thailand ))
All thanks to pretty sweetie Bowling’s recommendation!!!!

Thats all folksss… 
From the Land of Smile…

23rd CNY – 2010 Goals & Re-structuring future plans

ORDing soon – June this year… Serious business for me starting from the beginning of this year because i want to make my plans and future career options as definite and clear as possible. So that after ORD i wont be asking myself: “Hey Ben, where r u heading???!??!?” I’m more clear of the career path that i will be heading. The path to be taken is not going to be easy, but i will not be afraid to overcome any barriers  to be successful in LIFE!

Starting from Jan, Schedules are pretty HECTIC. 
1.) Shit Work in camp
2.) AFP course studies
3.) Personal Fitness schedule

Night class every Tuesday… Wed, Thurs, Fri have to revise, study and make notes on the lessons taught on tuesday. Sat and sun will be practicing exam and quiz questions. Mon n Tue are the days for corrections and reading up on lessons that will be taught on Tue night class.  Exam is in April and seriously i need to work hard and be SUPER focus so as to be able to cope with the fast pace of the course module. Therefore my i dont really have much social life during the weekend when im out of camp… I’m either working out at the gym or studying at home… In camp, i tried to escape from all the SHIT work as far as possible so that i could spend precious time studying in my bunk. 

No on is able to have EVERYTHING they want in LIFE! Many a times, we will incur  OPPORTUNITY COST. It all depends on the choices we make given that we cant have everything we want. Therefore to get the most out of life, you have to know what you are giving up in order to gain something else.

During these few days of the CNY, i gathered my goals and resolutions for 2010 and made a video on it. It will constantly remind me and keep me on the right track  of what i need to achieve by the end of this year…

Still considering if i should post the video up here…

Future Plans Re-Structuring:

Hmmm… Anyway i drafted out a time line of my future plans all the way till 50 years old. Its broken down into one 3 years plan and four 5 years plans. From now till when i reach 30, its gg to be a very crucial stage in my life. I’m going for my CFA and a career in wealth management after getting my Bsc (Hons) in Banking & Finance. From 25 to 30 would be my prime and i hope to learn as much and gain valuable experiences in the banking and investment industry. At the same time i will save and invests wisely to build up my dollar nest.

From 30 to 35 would be another stage of my career in the banking sector. After getting my CFA at 30, i would love to move into the private banking or Investment banking sector. It’s also time for me to get my own house. Hopefully i am able to get a house at Sentosa Cove area. By this time, i should be FINANCIALLY stable and would love to set up my own family.

From 35 to 40, it’s time to be my own BOSS. I would love to kick start my own business in the health & fitness industry in S’pore. Structure of plans yet to be confirmed so i don’t wanna talk too much here. However throughout all these years, i will be keeping a close watch on market trends and opportunities.

By 45, i should earn my 1st MILLION, have  stable stream of  income from my personal portfolio investments and business income as well as sufficient savings accumulated all these years. So it’s time to prepare for retirement and get involve in philanthropy work so as to keep myself fruitfully occupied and contribute back to the world and society!!!

Precious learning pointers

Attended my 1st lesson on CFP Course module 1 (AFP) with my Lecturer, Mr Daniel. He is a CPA, a CFP, with MBA and Chfc. Kool Ya… A very wise man i would say… Impressed me with his knowledge in my first lesson with him. He gave his 110% for us and he would like us to succeed.

The 3 hrs of first lesson includes
1. Financial Planning process and the basics of a financial plan
2. Financial ratios and analyses
3. Cash management and budgeting

During the lessons, he brought up quite a few precious learning pointers and TIPS based on real life financial planning situation which i would love to share here:

1.)”The first thing to spend on after getting your first pay cheque is INSURANCE & not a CAR.”

2.) “For those who intend to get married, NEVER get a private condo as your first housing estate. It’s best to first get a 3 room HDB Flat. Work and invest your nest of $$$ in Investable Assets like eg. Bonds, Stocks, Unit trust…etc for about 5 to 6 yrs. After that sell away the 3 room flat when price is good and earn a sum for upgrading to 5 room HDB flat. In this way, u r able to save alot and also earn alot because of the rise in property prices and your investment support.”

3.) “Remember – Life Insurance do not have break even point!!!”

4.)” Best time to buy insurance for your children is from the age of 4 – 5 yrs old.”

5.) “All woman are good, but not all are the right one to get married with because Woman = $$$ and $$$ = Problem.”

Ben, Geri & the Chipmunks

Not a bad movie afterall, though i have not been watching cartoons for many years… But anyway, sometimes it’s about who u r actually watching the show with.

Well… 
Without much commitments = Less complicated
Less Complicated = Less worries
Less worries = Happy

So i guess it’s better to stay this way rather than engaging too deep into it cos it’s really not my main concern right now. I guess we have the same mindset abt it…

Super Busy

2010 will be a super busy year for me i guess…

These are the things that im kinda busy with in the first month:

Night Classes
Certified Financial Planner course - Module 1 Afp classes has started. Went form y first 2 night classes on wed and fri from 630pm to 1030pm.
It’s tiring cos i have to rush down from camp after office hour,
but i am really determined to achieve this certification.
Focus is the BIG word for me now…

Fitness Schedules
Have been consistent with my gym work out and cardios. Hit the gym at least 4 times a week and manage to do my 10 km run once a week as well as keep up with my hardcore abs workout once a week too.

Readings
4 new books for the new year – bought from opentrolley online bookstore
Gonna finish them asap though i have to keep up with my other impt schedules… Acquire as much knowledge as possible so that im adding self worth to myself each day!

Contact Listings for future career networking prospect
Have been doing up an excel spreadsheet on all my contact networks which consists of my pri sch mates, sec sch mates , poly mates , Army dudes, Past working friends, Others – like friend’s friends, gym mates… etc
It really took some time for me to re-organize my contacts in my network. Made the effort by creating facebk a/c so that i can add people from  my net work and stay in touch with them. Made the effort to add those closer onces in my MSN and update their contact number too…
Really hope i can become all of their true financial planner and add value to their LIFE… Wait for me guys, i m in the process of it!

Forex and other Investments
Money $$$ Come Come Come!!!
Very soon, the amount would be doubled…

This is also one of my major focus from now till i ORD and after i ORD this June.
After Army dayz - It will be another chapter of my life
 
Using my knowledge to make more $$$
Using $$$ to make more $$$
Using Assets to make more $$$

recent pics & a recent Ben

Current Thoughts…

Real intimate relationship is Rare…

Some  took a life time to find a true soul mate,

At this point of time in my life, i seriously don’t think i should be bothered about such matters.

There is more to my life, like before…

But again, thanks for entering and created a mess in me.

It’s a painful lesson and experience,

But any thing that doesn’t kill, only makes me stronger…

I’ll get back on track again…

I have given up hope, cos i don’t deserve such treatments at all.

10 years is a long time, but i won’t be cherishing it anymore. . .

Had enough of being a clown this time round :)

OH YAH… In total i spent a bomb for the last 2 mths. Poor budgeting or that i’m simply too foolish?
“zi zuo duo xing”
So its either cancel both air tickets, hotel bookings and suffer BIG lost or maybe cancel one of the air tickets and go ALONE???

My parents will be asking  me – if im not going…

Thanks for your wonderful hidding game and “Sensible” approach to this relationship after my return from 2 weeks of overseas training.

No one has ever done this to me,

You are the first and will be the last…

I will not forget your “wonderful hidding game”

December taskings

1.) CFP – M1 course study and registration
2.) Continue Forex investment
3.) New yr resolution
4.) Back to gym
5.) Contact listings
6.) Source for biz fundings

Business opportunity fair @ Concorde Hotel

An eye opener at this unique business opportunity fair today…

In order to attract the general public attention
One of the companies uses Cash as it’s advertising tool
Get Free Cash!!!
By >>>
Bursting balloons filled with real cash in it…

What a moment …
Looking at typical kiasu Aunties and Uncles,
desperately snatching for free cash…

Makes me wonder the extend of using money
as a great advertising tool…

“Maybe…”

At the air port yesterday…

Everybody around me were so excited when the plane landed… Not so much that the overseas training has finally come to an end, but more of looking forward to see their beloved onces.

I tried to avoid at all cost, answering my colleagues and man – “Who is waiting for you at the airport ?” 

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

I don’t wished to lie to myself anymore

cos,

The FIRST person i wished to see at the airport yesterday is YOU…

But i know it’s only a little hope in me…

That says ”maybe she will be there, maybe she will be at the arrival hall waiting for me, waiting for me to give her a big hug…”

Maybe……..

I’m just a passer-by…

Passing by …

It’s too painful to think about it now…

Do i deserve this?

I’m intimidated …

Grateful

I wanna thank you for helping me in many aspect of my life

Thanks for going all the way down to John Little @ Woodlands causeway point to get the Renoma boxers for me. You should have told me that AMK Hub NTUC don’t have “S” size for the other boxers u bought previously. You can just buy the hushpuppies Boxers there and not having the hassle to go all the way down Woodlands. I feel bad when u told me you bought it from woodlands. I know i need it urgently as its for use in Thailand during my 3 weeks stay for overseas training, but i can buy it myself in town if AMK is not selling. Sorry to trouble you mum…

Thanks for helping me change the S$200 to Thai Baht for use in my overseas Thailand training trip. 

Thanks for always being there for me and helping me in many aspect of my life. But mum, i’ve grown up and i hope you will give me more space and control as i’m able to do make things happen myself now.

I wish you’ll see this post…

Sorry for not being around at home most of the time before i leave for my long Thailand training trip, mum… Hope you’ll understand…
And i know you will be going for your Korea trip one day after i’m back…

I will miss you.

Precious Gifts

Dunhill -
From now on, i will spray it on before i go out… Cos i know you like this scent,  baby
Be it just Dunhill or a combination of my odour … :p

Dorayaki -
As cute as you Initially, I don’t bear to eat it… But at least i took a photo of it before it goes into my tummy.

Thanks Beeeee…..

-=Loving you deeply=-

Trust

What is trust in a relationship?

I checked out Dictionary.com
Definition:
Reliance on the integrity, Strength, Ability, Surety, etc., of a person or thing; Confidence
Reliance on something in the future; hope.

At the very least, i get the definition right now.
But, i’m still learning to build trust in my relationship… 

I feel that it’s very much associated with giving assurance and be trust-worthy to your partner and not giving empty promises…

I’m know im doing my BEST now. I’m really into it!
It makes me wonder if it’s really ME… Sometimes, I can’t believe what i’m planning and thinking these days… 
I have never been like this for a pretty long time…
Cos i know this will be my best and last bet in a relationship…

Sometimes, it’s hard for me to say the things i wanna say…
I tried to be there for you whenever i could…
I hope to cheer you up and give you lil surprises whenever you are down…

I need your TRUST and support…

It’s cold… I feel alone now…
Do i really need to go through that painful process again? 
 It’s too hurtful,
I don’t know what i’m talking…………………………………………………………….

I’m tired….

By not telling me what you are feeling and going through now, we won’t be advancing…
I know that even if i ask about it, you won’t tell me much…
The path i’m heading is misty and blurred…
I have lost my sense of direction,
Can you tell me if we are heading the right way?

Will you be there for me?

I need some guidance… cos, i’m not sure if i can manage to find the way off darkness.