It's quite surprised that I am able to wake up at 6am today. Wake up early means I should treasure the time and do whatever I have planned for. So I research about Hong Leong bank.
Hong Leong Bank was established more than 100 years ago during the time Malaysian Chineses rooted in Sarawak.Initially it was called Kwang Lee Mortgage & Remittance Company and it was incorporated with Kwang Lee Bank Limited in 1934. In 1989 it was renamed as MUI (Malayan United Industries Berhad) Bank and subsequently was merged under Hong Leong Credit berhad (now known as Hong Leong Financial Group) to become Hong Leong Bank
Here is some relevant information about the background of Hong Leong Bank---Wiki.
Hong Leong Bank is controlled by Malaysia Tycoon Quek Leng Chan who has vast experiences in business and he is quite knowledgeable person. A super low profile and mystery tycoon, who realizes that POEPLE are the most valuable assets in the company---he treasures them although the group is largely controlled by his family.
The core business for HLB is credit card business and various type loans. It is more focused on retail customers.
So far, this is what I have known. The research is continued.
Tuesday 31 July 2012
Monday 30 July 2012
First day---Wake up
After coming back from gymnastic practice, I am extremely exhausted. Any plan has gone away too. What I really needed was sleeping. Well, I have slept for at least 10 hours, yet I found myself too tired.
I have done nothing about my investment. Maybe due to fluctuation of my heart. Some motivations are needed for my research.
Start from Hong Leong group first. Tan Chee Hoong, you can do it!
I have done nothing about my investment. Maybe due to fluctuation of my heart. Some motivations are needed for my research.
Start from Hong Leong group first. Tan Chee Hoong, you can do it!
Saturday 28 July 2012
Starting a new life
I have forgotten how many times I have written this topic---most probably I have not improved myself and yet I need to reset my own target again and again in order to push myself to take action on it.
Recently there is one set of word always come out, regardless where and who speak out. The Human Revolution. The simple definition of this word could be said as the inner change of a person in order to improve what he or she lacks of. It does mean that. Actually we could look at it deeply based on the Buddhism teaching.
A great human revolution can change the destiny of a person: thus, change the destiny of whole community, and change the destiny of whole country; finally, the world could be changed.
This is the thing we cannot deny because we can see that a lot of people have changed their own destinies and also the whole world although they are seen as "crazy" people who always keen for changes due to various reasons.
Okay, make it short, what I want to say is I want to change myself first. Yes, I am currently changing myself in terms of bad habit such as oversleep for 8pm class. Oversleeping is quite common among the university students nowadays. Most probably they (we) are having unhealthy life-style which sleep after 1 or 2 or even sleepless for whole night is seen as common.
No more excuses for me not to change this bad habit. By the way, in order to wake up early, you must be having sufficient sleeping time like 7-8 hours per day should be the standard.
Before this, what I want to do is actually to change the world. Well, I have no specific target yet for this. Anyhow one of the target I want to achieve is to become a successful investor.
Recently there is one set of word always come out, regardless where and who speak out. The Human Revolution. The simple definition of this word could be said as the inner change of a person in order to improve what he or she lacks of. It does mean that. Actually we could look at it deeply based on the Buddhism teaching.
A great human revolution can change the destiny of a person: thus, change the destiny of whole community, and change the destiny of whole country; finally, the world could be changed.
This is the thing we cannot deny because we can see that a lot of people have changed their own destinies and also the whole world although they are seen as "crazy" people who always keen for changes due to various reasons.
Okay, make it short, what I want to say is I want to change myself first. Yes, I am currently changing myself in terms of bad habit such as oversleep for 8pm class. Oversleeping is quite common among the university students nowadays. Most probably they (we) are having unhealthy life-style which sleep after 1 or 2 or even sleepless for whole night is seen as common.
No more excuses for me not to change this bad habit. By the way, in order to wake up early, you must be having sufficient sleeping time like 7-8 hours per day should be the standard.
Before this, what I want to do is actually to change the world. Well, I have no specific target yet for this. Anyhow one of the target I want to achieve is to become a successful investor.
Wednesday 25 July 2012
Change is ongoing!
It is not easy for changing a person's behaviours or habits as those have been planted since he or she was very young. Although I am seen as a knowledgeable person but I have actually a lot of bad habits or behaviours that are considered affecting my life.
Knowledgeable, can be said I know a lot of things but not very deep. The things I know is too wide---until I have always thought a lot of things and my whole day might be just spent for thinking. If I should be described as a thinker, nobody would not agree with it.
There was a time I wanted to give up of my study because of not adapting to the "spoon feeding" education system. In Asia, this kind of education system is widely implemented. People are often to complete their study for getting good result and good jobs after graduate. As a "thinker', I do not agree with it. My life should be determined by myself not by the thoughts that were given by the lecturers or teachers.
During Foundation time, I overcame the math problem. The gladness was indescribable and it was very impressed for me because I was afraid of math since secondary school. My confidence was being gradually built up at that time although I faced failure twice.
After Foundation, I thought I could take a rest and relax for a while---I have fought so hard for my study for 12 years, some rest is necessary. This made me believed that everything can be easy if I "briefly" study it without too much of hardworking. I thought I was smart enough to deal with it.
The consequence is a failure again. Wondered why I could face the third time failure? I should have improved more than I have in Foundation? Why this failure happen again on me?
Nobody can tell me the reason. Yet, I found it by myself while other people did give some insights. I have thought too hard and done so less !!
Thinker is always thinking but with very little action to prove his or her thoughts that should be applicable. Think more and more, read more and more---it doesn't help you much in realizing the thoughts ! Action is necessarily taken to make the things that you want but not sitting in a room and just thinking of the world can be changed just by thinking!
Hopefully, no, Seriously I must change myself. The things that need to change is to DO IT! Take the first ever step and never ever give up. Nobody is perfect. Do not wait the things become mature or perfectly exist then only take action! No!
I will definitely change myself !
Three NEVERs!
1. NEVER oversleep---Sleep 7 hours per day, sleeping time should be started off from 11.30pm to 6.30pm! Never think too much before sleep!
2. NEVER waste of time---No waste of time in thinking of nonsense and browsing facebook ! Feel free to read soka-gakai books or whatever books that should be inspiring.
3. NEVER give excuses---No excuse is allowed in doing anything especially when it comes to soka gakai activities and assignments, or even reading annual report. No next-time-also-can-do mindset anymore!!
Three MUSTs !
1. MUST plan well---although uncertainties are unpredictable, planning should be come out at least one or two to make sure things are not out of range.
2. MUST focus---I have lost my power of focus a long time, whenever success or creating value for my life, things that I must have is focus ! Lacking of focus make me suffering in doing anything.
3. MUST chant---whatever circumstances, chanting is a must to build up the life. Chanting is to lift-up our life.
Knowledgeable, can be said I know a lot of things but not very deep. The things I know is too wide---until I have always thought a lot of things and my whole day might be just spent for thinking. If I should be described as a thinker, nobody would not agree with it.
There was a time I wanted to give up of my study because of not adapting to the "spoon feeding" education system. In Asia, this kind of education system is widely implemented. People are often to complete their study for getting good result and good jobs after graduate. As a "thinker', I do not agree with it. My life should be determined by myself not by the thoughts that were given by the lecturers or teachers.
During Foundation time, I overcame the math problem. The gladness was indescribable and it was very impressed for me because I was afraid of math since secondary school. My confidence was being gradually built up at that time although I faced failure twice.
After Foundation, I thought I could take a rest and relax for a while---I have fought so hard for my study for 12 years, some rest is necessary. This made me believed that everything can be easy if I "briefly" study it without too much of hardworking. I thought I was smart enough to deal with it.
The consequence is a failure again. Wondered why I could face the third time failure? I should have improved more than I have in Foundation? Why this failure happen again on me?
Nobody can tell me the reason. Yet, I found it by myself while other people did give some insights. I have thought too hard and done so less !!
Thinker is always thinking but with very little action to prove his or her thoughts that should be applicable. Think more and more, read more and more---it doesn't help you much in realizing the thoughts ! Action is necessarily taken to make the things that you want but not sitting in a room and just thinking of the world can be changed just by thinking!
Hopefully, no, Seriously I must change myself. The things that need to change is to DO IT! Take the first ever step and never ever give up. Nobody is perfect. Do not wait the things become mature or perfectly exist then only take action! No!
I will definitely change myself !
Three NEVERs!
1. NEVER oversleep---Sleep 7 hours per day, sleeping time should be started off from 11.30pm to 6.30pm! Never think too much before sleep!
2. NEVER waste of time---No waste of time in thinking of nonsense and browsing facebook ! Feel free to read soka-gakai books or whatever books that should be inspiring.
3. NEVER give excuses---No excuse is allowed in doing anything especially when it comes to soka gakai activities and assignments, or even reading annual report. No next-time-also-can-do mindset anymore!!
Three MUSTs !
1. MUST plan well---although uncertainties are unpredictable, planning should be come out at least one or two to make sure things are not out of range.
2. MUST focus---I have lost my power of focus a long time, whenever success or creating value for my life, things that I must have is focus ! Lacking of focus make me suffering in doing anything.
3. MUST chant---whatever circumstances, chanting is a must to build up the life. Chanting is to lift-up our life.
Tuesday 3 July 2012
经济
究竟为什么人们会越来越依赖"经济"，甚至为之着迷，一切事情皆以经济作为考量。
逐渐的人们失去了对“人性”的重视，过度重视所谓的“成长率”，“数据”等等的事情，不再相信人，只相信数字、钞票。这一切都在发生，我们依然认为“这就是社会”，“这就是现实”，“这不是什么大问题”；然而人性的腐败加上贪焚的欲望吞噬了整个社会原有的价值观。
社会开始走向极端、混沌，大部分人坚持“经济成长”或“钱包成长”；一些人则继续做社会运动，期望可以改变政局进而改变社会；一部分人选择亲近大自然，不问世事；一部分人则继续“破坏”，借此达到目的。。。。
问题的根源在于“人”。人的问题太复杂了，以至于社会处于一片混乱。但是危机也是时机，就看我们有没有能力改变自己，让自己进步至于也影响身边的人。
其实关注经济并没有错，数据也没有错，错就在于我们走火入魔了，忘了这些都是人为的。
经济成长是需要的，问题不是在于我们建了多少间购物广场，而是我们“人”有没有创造了价值。
而这些价值所带来的冲击是无法衡量的，就犹如马丁.金博士争取黑人解放运动所创造的价值以及其广泛的影响力。
没错，这并不是经济的一环。我可能离题了。
如果人们无法创造价值，那再好的经济建议也是徒然的。
逐渐的人们失去了对“人性”的重视，过度重视所谓的“成长率”，“数据”等等的事情，不再相信人，只相信数字、钞票。这一切都在发生，我们依然认为“这就是社会”，“这就是现实”，“这不是什么大问题”；然而人性的腐败加上贪焚的欲望吞噬了整个社会原有的价值观。
社会开始走向极端、混沌，大部分人坚持“经济成长”或“钱包成长”；一些人则继续做社会运动，期望可以改变政局进而改变社会；一部分人选择亲近大自然，不问世事；一部分人则继续“破坏”，借此达到目的。。。。
问题的根源在于“人”。人的问题太复杂了，以至于社会处于一片混乱。但是危机也是时机，就看我们有没有能力改变自己，让自己进步至于也影响身边的人。
其实关注经济并没有错，数据也没有错，错就在于我们走火入魔了，忘了这些都是人为的。
经济成长是需要的，问题不是在于我们建了多少间购物广场，而是我们“人”有没有创造了价值。
而这些价值所带来的冲击是无法衡量的，就犹如马丁.金博士争取黑人解放运动所创造的价值以及其广泛的影响力。
没错，这并不是经济的一环。我可能离题了。
如果人们无法创造价值，那再好的经济建议也是徒然的。
各行各业都有其周期以及复杂性，尤其是金融业---最复杂也最具争议性的一个行业。
曾几何时金融业的蓬勃发展带动了许多国家的繁荣，制造了无数的直接与间接的工作机会，随着全球化的趋势以及科技的进步，金融业的发达达到了一个许多行业都比不上的巅峰。
许多西方国家都受财团影响政府政策，看看美国---典型的金融帝国，单单是只有不到一公里长的华尔街操控着全世界的市场走向。
问题是，金融业被许多复杂的人性给夹杂了，结果逐渐出现贪污腐败的问题。金融业的发源地---英国伦敦最近闹到沸沸扬扬的“利率丑闻”，再度见证了迷失的人性。详情姑且不说，因为就跟美国的金融风暴的过程一样，只是不是卖cdo，却在利率下手。这种通过复杂手段去夺取人民血汗钱的银行家们，只注重盈利，而不是注重怎么样真正避免做太复杂的交易（就好像摩根银行那样）而让股东损失的事情，而是千方百计去谋取不该谋的盈利。
人们的消费意识减弱，不能再使用所谓“量化宽松”的旧有政策去解决新的问题，而必须明白为什么人不再像那样的崇拜消费了---这是整个社会结构问题，从政治到经济，教育，再到人性。
不平等的问题导致人们越来越不满现实社会，于是许多打着“改变社会”的非政府组织陆续出现，人们开始关心身边的环境，尽管是非常少数的一群（有时连我们都没有注意到），但是这种逐渐式的改变将会慢慢延伸其影响力，相信不久的将来，这种现象是很普遍了。
未来---是以人为本的时代。
曾几何时金融业的蓬勃发展带动了许多国家的繁荣，制造了无数的直接与间接的工作机会，随着全球化的趋势以及科技的进步，金融业的发达达到了一个许多行业都比不上的巅峰。
许多西方国家都受财团影响政府政策，看看美国---典型的金融帝国，单单是只有不到一公里长的华尔街操控着全世界的市场走向。
问题是，金融业被许多复杂的人性给夹杂了，结果逐渐出现贪污腐败的问题。金融业的发源地---英国伦敦最近闹到沸沸扬扬的“利率丑闻”，再度见证了迷失的人性。详情姑且不说，因为就跟美国的金融风暴的过程一样，只是不是卖cdo，却在利率下手。这种通过复杂手段去夺取人民血汗钱的银行家们，只注重盈利，而不是注重怎么样真正避免做太复杂的交易（就好像摩根银行那样）而让股东损失的事情，而是千方百计去谋取不该谋的盈利。
人们的消费意识减弱，不能再使用所谓“量化宽松”的旧有政策去解决新的问题，而必须明白为什么人不再像那样的崇拜消费了---这是整个社会结构问题，从政治到经济，教育，再到人性。
不平等的问题导致人们越来越不满现实社会，于是许多打着“改变社会”的非政府组织陆续出现，人们开始关心身边的环境，尽管是非常少数的一群（有时连我们都没有注意到），但是这种逐渐式的改变将会慢慢延伸其影响力，相信不久的将来，这种现象是很普遍了。
未来---是以人为本的时代。
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