Confused...

Left, right, up, down.

Life Is full of confusions. Suddenly it is thrown out of array. Nothing seems Certain. A Christian life is not always smooth sailing.

Knowing too much may not be a good thing. But it teaches us to always let God control the steering wheel. Our faith in God must always be strong. Strong in the Word, strong in the relationship in God.

Forgive and forget. Always choose faith, love and hope...

And love covers all sins...

Trying too hard...

Why are we living our lives?
Why things have to be that way?

In life we try to understand the things around us through our head.
The intentions, actions and rationale of things - guessing and assuming things that are
around us.

Acceptance from people, seeking counsel among friends.
I do agree life is like this.

When something excites us, we will do it. But what if the excitement dies...
What is left is your resolve to that purpose.
We as people are naturally inclined to cast of things that are not so important.

In anyway, always commit our lives onto Him, seek His counsel and place your attention onto Him. I believed that it is important to gain that faith and remind ourselves once again what are we doing to our lives?

When you step into uncertainty, the only certain is that God is your guiding light to your uncertainty.

Dennis :)

Tired...

These few days,
I have been cramping my M9 papers... Too many theories to remember.

Crave for a short holiday soon... hahaha....

Anyway Whats life without a cold can of "beer" I dont drink hahaha,
I mean root beer.. haha.. SO what are my plans...
Train for ippt.. haven been exercising much since exams period...
Get involve in church more... active serving I guess...
Read more, Pray more, Seek More...

More is better hahaha... Decisions are made in life. Some good some bad.
Whatever the outcome, they are all learning experiences.

Dennis

Start of a new beginning...

Things have ended. Exams Done. Everything is done as a student.

Today marks the day that I have graduated well not in sim yet but a year course at SP,
Learn quite a no. of creative stuff so pretty happy about it... haaha...
Exams ended in sim too... preparing the next step in life.. that is career...

Hmm.. going to insurance first... same time pursue my interest in creative media...
Hone my skills more before launching to something bigger.

Why do insurance, many people have asked.

Definitely not a glamorous job. Neither is an easy job.
The boss may tell you that you can earn a lot... easier said than done.
Anyway, the objective of me joining this industry is because some people whom I met don't really value the importance of insuring your future.

We tend to enjoy the now more than we think of the consequences of the future.
If anything happens to me, I am not sure whether I can leave any money behind if I do not buy some form of insurance.

Savings for the future is the test of how discipline you are.
I don't really like to chalk up credit card debts. I usually pay the bills on time and don't let the bank earn any interest.

You may say that you can save money in the bank. yes you can, it offers more liquidity and you can draw out any time. But, the interest is about 0.5% or lesser which is why you can never see your savings fight inflation. But you say that you can earn more by putting to shares and earn dividends that is more than getting a savings plan from an insurance company. That's true too, but equities are of higher risk and you can see the value of your shares drop in bad economic time.

The savings plan from an insurance company generally offers higher returns than banks' interest rate but usually lower returns from dividends of shares. You may need to pay premium every month to the savings plan for 10years to 15 years for example, which is kind of long. Remember is for the future, it will instill discipline for you to save and it will act as a deterrence for you to withdraw as the surrender value of the plan can be lower if you choose to surrender early. So in a nutshell, you are so called "forced" to save for the future.

Right now, my auntie just got back her money after faithfully saving for more than 10 years in a savings plan. She might be tempted to surrender mid way through, but she push on to the end. At the end of the day...
It was all worth it after seeing the savings + compounded interest.

New Day

Hello,

is been a while since I updated my blog.

Well, 4 more days to my next paper.

Wow... is still long... Got to study...

See you ard soon after my exams.

Dennis

Be realistic Singaporeans

We have come so far to make a decision

This is the first time I am voting.
I am deeply impressed by the fervency and passion that the opposition parties have bring.
Nevertheless, they are just barely touching the surface of these issues.
Now then I realise the importance of information.

These questions I want to ask.

1. If there is no accountability to the citizens, how exactly can the opposition analyse and formulate policies if information may not be freely available.
The OPP ARE MAKING BOUNDED RATIONALITY DECISION, for this we cannot blame them.
The whites can say everything that the incumbent party has done for us previously, but if information is limited how exactly we make informed choices to vote for them.

2. Secondly, how are public housing "affordable". I am very worried for the future generations, 20, 30 years down the road. What will the price be? $1 million for a 4 room flat? Affordable as in taking up 50 years loan to repay the debt? Now it gets me questioning.

No wonder, now I know some of my countrymen are not happy citizens. They are busy working and working trying to save $ to get married and buy houses and so on. That's why the Singaporean population is going down, because they may not have much money left for having kids and this resorts to more immigrants coming to live here.

Cant you see that there is a relationship between "affordable" housing and population concerns?