Self-financial planning, a book review

So I’m blogging from the office, and am supervising training for all the branches people on investment products training. And since Im super expert on these type of products (eeeer yeah. Im just as bored as there is heheheh), I decided to write on whatever there is on my mind.

And since, I am age-wise (but not necessarily mind-wise lol), old enough to determine my own future and managing my own life therefore planning my own financial shit and career, I think I’m quite in an urgent need to understand the whole concept of being an adult. Few words describing it: it sucks. And it brings the scare out of me. Never before I encounter the fear this huge, but consequently, I must (God I hate this word), learn how to control my life. Blah.

OK, first step. Learning. Eeer.. dunno where to start, so I just picked a book a friend recommend, the book of self-financial planning. Quite interesting book, I must say. There said that there are 3 deadly close encounters that we must resist:

· Lust of the Flesh, closely related to infidelity, this lust is dangerous to your financial plan because it can ruin your whole planning. Worse comes to worst, it even brings your family down. So which one dya choose, a short period enjoying of what you think heaven with your new mistress and having financial wreckage by the end of the day, or just stick with your own family you built from sketch with planning leading to ultimate happiness till the end?

· Lust of the Eyes. OK. Maybe you’re the type of person that can resist the first Lust, but beware of this second Lust. This may seem simple and easy to avoid, but being in this modern society, you tend follow the norms that are changing slowly (or, rapidly according to me mum hihi). Let’s put it this way. When you were poor, you didn’t have many wanting and cravings. All you think about is how you earn money to feed you and your family, and getting them educated at the minimum level. That’s your first priority. You don’t think about savings, and the word ‘holiday’ is so out of your mind. So, on the time being you work as hard as you can, and now, you’re wealthy enough to think about ‘good’ things. You start to eat ‘better’ fancy meals; you think you are in urgent need to send your children away for the ‘best’ school overseas.

Yada yada yada, you don’t realize that these whole concepts of good, better, and best stuffs are the most ultimate needs that you MUST fulfill. But essentially, what’s the concept of good, better and best? Is it true that you REALLY MUST fulfill it, or is it only because you THOUGHT you MUST fulfill it? Who differentiate it? Why do we have to try to always fulfill those concepts of good, better, best?

Get the idea? Life is much more simpler back then, innit? Marxists say that this is the ultimate false consciousness, and it’s being brought up by financial planner, a profession that Karl Marx would despise. LOL. Ironic isn’t it? Anyway, it is easy to elaborate here, but once you get into this vicious circle, it’s hard to get out from here. And it’s related to the third deadly close encounters.

· Life of the Pride. Now, you have worked your ass off, you are being as prudent (another word of stingy hehehehh) as you can in managing your income and assets. In a nutshell, you think you deserve all the good things to compensate your efforts. Ergo, you are proud with yourself. Hell you climbed up that mountain; you conquer your enemies, why on earth wouldn’t you be so damn proud of yourself? Darling, the answer is no, you’re not supposed to be proud with yourself. Because, as the book stated, pride blocks our ability to have an open mind to learning new things. It leads you being bold and arrogant, and who doesn’t hate the Mr-Know-It-All attitude?

So there, the deadly close encounters. Mirroring myself, I can almost see some potential lusts in me. Bottom line, I must change the way I live, maybe not all, but some. And changes suck. But being as sucky as there is, I really must change, for this equation:

FINANCIAL PLANNING = LOVE + PREPAREDNESS

Again, it’s all for love, isn’t it?? Tsaah, Melayuuuu! =D

Book Title : My Formula!: Financial Planning For Lifetime $uccess
Author : Thomas Mathew
Publisher : Maximas LLP.
Year Published : 2007

long weekend my ass!

huh.

minggu ini long weekend. salah satu the longest weekend sepanjang tahun ini. bayangin aja, minggu ini kerja cuma 3 hari, senin sampe rabu. hari rabu juga udah setengah2, karena setengah mood udah di set sedemikian rupa buat liburan.

tapi brengseknya, loong weekend kali ini gak bersahabat sama kantong, alias lagi kere berat. bayangin, tanggal long weekend ini tanggal 20-an bok, dan gajian baru selasa besok. najiss.

walhasil duit cuma cukup buat ngupi2, tanpa liburan ciamik keluar kota yang deket2 apalagi luar negeri kaya di film2.

apalagi partner saya yang emang orangnya gak seru gituh. mana mau diajakin keluar kota?

ngehelah nih. huh.

pic is from http://stickgal.blogspot.com/

readability test, eerrr.. whatever ;P

Movie Reviews

well, lookie lookie here, it only takes a high schooler's brain to read and understand my facebook page;

...

as opposed to this blog,

TV Reviews

boy, its good to know that generally speaking, demographically, this blog is read by those who minimum level of education is college. it brings out, you know, the sophisticated side in me.

eerr, yeah. right.

riiiight. *as if, duh!*

=)

Berdamai Dengan Masa Lalu

Sedikit ngomongin masa lalu aaah. Jadi begini, gw itu, bukan sulap bukan sihir bukan sombong, tapi, dari jaman SMA gw udah aktif punya partner bernama pacar. Dan bukannya main2, rata2 lamanya gw partneran adalah 2-3 taun. Malah ada yang sampe hampir 4 taun dan sekarang udah jadi artis ngetop *halah tetep penting disebut ya, Juuuung =P*. Semuanya, kandas di tengah jalan. Eh gak deng,ada yang di dalem mobil, ada yang di teras rumah, ada yang di airport, persis kaya di sinetron2 ketengan hehe! *he ini apa ya jayus hueheuhe*

Nah, di antara lelaki2 itu, I befriend with most of them. Ada sih, kayanya, yang sakit hati sama gw sampe2 ketemu di mall pun, udah tatap2an adep2an, tetep aja dia belaga gak kenal gua. Awalnya gw agak pusing, karena prinsip gw adalah we started off as friends, and we tried sumtin different by being an item. But if that eventually didn’t succeed, then we get back again as friends. For me it’s fair and square. Tapi, ternyata menurut si oknum mantan pacar ini, gak bisa begitu. Mungkin dia cinta mati sama gw sehingga yang diliatnya di pacarnya sekarang adalah gua juga? Jadi dia gak sadar kalo Mijung adalah Mijung dan pacarnya adalah pacarnya yang penting? *pertanyaan provokatif, annoying dan gak penting* Yasudahlah yang penting dia seneng. Dan gw, selalu seneng dan OK setiap saat *kaya iklan apa yak hehe*

Mantan2 lain mah gak ada masalah. Ada yang masih satu arisan bareng. Hell we even forgot that we were an item! Dan selalu ketawa2 bareng tiap dicela dan tentunya mencela diri sendiri. Ada juga si mantan yang masih ber aku-dan-kamu, rutin nanyain kabar walapun gak tiap hari, dan hal2 kecil kaya gitu.

Tapii, ada satu laki2 yang gw selalu kagumi dari jaman gw SMP, sekitar tahun 1996-an. Dan ini berlangsung sampe kira2 tahun 2005 lalu. Mayan yeee 9 taun. Tapi ya itu, anehnya. Setiap gw punya partner, dia yang jomblo. Tiap gw jomblo, eh gantian dia yang punya pacar. Padahal kita pingin bener nyoba pacaran (pada saat itu tentunyaaa), apalagi udah didukung oleh kedua keluarga. Untungnya, kita adalah orang2 bermental baja yang tidak goyah walapun satu sama lain selalu saling goda *halah*. Tetep aja kita gak bisa ninggalin partner kita masing-masing (pada saat itu), betapapun buruknya hubungan dengan pacar masing-masing. Sampailah suatu waktu gw jomblo dan dia pun juga jomblo, dan semua orang udah ngeramalin kita bakal pacaran sebentar untuk kemudian nikah dan melanjutkan hidup kaya di novel2 asmara, ternyata kita tetep gak bisa jadian. Rupanya, waktu 9 taun yang udah berlalu udah ngebikin kita imun satu sama lain. Gw terlalu nganggep dia sebagai orang yang selalu ada buat gw, dan dia juga nganggep gw sebagai orang yang ada, tapi jauh gak bisa terjangkau. Aneh ya.

Dan kemarin, dua keluarga bareng lagi makan malam, seperti yang pernah terjadi 5-9 taun yang lalu, untuk keduanya sama2 memberitakan:

Kita akan menikah. Bukan satu sama lain, tapi dengan pasangannya masing-masing *hihi aheeem*.

Dan gw mendengar itu, gw lega. Karena berarti, gw dan dia sama2 udah berdamai dengan perasaannya masing-masing. Berdamai dengan masa lalu, begitu kira-kira.

Dan sekarang, ganbatte buat gw, for I must saddle up (not settling down like many say) and ride the wheel of life. And the journey ahead is super long and bumpy.

Bismillah, so help me God. Carpe diem! Doain gw dong dong dong ya ya ya =)

*pic was taken from here*