Revise for 2020

I have very distorted believe and principle compare to the norm
learning to survive in hospital life, you need to know what you want, prioritise your routine, what you want in life and all will come into place
because if you have no idea what you want in life, people will force their way in and mess up with your life
if you want to be respected, dont head down to the unfair treatment
if people want to belittle you, show them you are better than them
dont ever be the person who see you down and thank them for making you a better person

just stay positive

for me, i have my life, i am not materialistic, even from the beginning i always said hospital is not a place for my character, i have passion and i m eager to learn,  i nvr forget that part of me bcoz this make me stay in this field
however, toxic environment can swallow you, i have sallary of myself, i do my own business and investment so it has never been a big issue in my part, i just pursue in medical life because this is my passion

if i ever was treated as slave, i just want people to knw that, you can treat me now but one day i will prove to be better than you bcoz i hav the right attitude and i cannot change your thought, but i will be better than you.

Housemanship post 1

Today I learnt, the blaming culture in the hospital, nothing to be proud of because it is a toxic environment
You will be blamed for everything you did bad
No good in you will be appreciated thus you have to be ready
Ready to be trashed, to be scolded and belittled
You can cry, you can curse, but you cannot do anything if bad luck fall upon you.
No one really care, even you do all you need.
The more responsible you are, the biggest fault fall upon you.
Your heart is broken to the extend you want to quit, but my friend, stay strong and be strong.
Wake up tomorrow and tell yourself
DO what you need to do and dont bother or care
Dont let fear conquer you.
because your sole purpose was to learn to be a better one.
Peace

Struggle

A phone call
A brighter future fr him or another step closer to you
I kick off the best option
The future it is...

Pride

I have lot of that
It brought me failure
Regret
It hurts my feeling holding on to it
but i never give it away

Not perfect

Felt sorry fr my dad
It mmust be hard fr him to hold the family up
I fight with him a lot because of work
I wanted to help him but I started to feel stress through working with him
I am not a perfectionist and I have my own way to work things
I made lot of mistakes and scared to admit because I couldnt tkae his disappointment
All by myself, i need stronger mental support
I wanted to find shelter
I go to God hoping to find forgiveness
And again I never commit myself

My houseman e-placement day

Today is a day out of my control
I was longing fr getting my hometown but didnt turn out in that way

What to know before you go into Stock market?

Well,I know nothing but the 4th seminar in investment/trading does teach me something about
what stock you should go for?
So to evaluate, you look into profit and growth of the market
To know profit, u can look into the ROI,ROE and ROA
ROI means the return of investment, ROA as return of asset and ROE -return of equity mean how good the company in borrowing the money and lastly your operating margin
EPS- earning per share

so how about growth? u look into 2 things, EPS, sales and valuation

so let's start with the live demo
-open your finviz webpage

  so first it is important to understand that average colume indicate the liquidity, means the higher the number, the more the amount of people are doing selling and buying


then we look into the fundamental analysis to understand the sales and EPS itself, normally we target the current EPS  to be 10% and the past EPS to be just positive, same apply to the sales

after we filter all, to decide which stock to buy, we calculte the forecast price
using the formula of Earning times P/E ratio which means price over EPS
For ur unnderstanding pe ratio mean using rhe current stock price divide by the earning per share to show money u ready to pay fr how much the company worth

let's talk bout gambling

What type of gambling u knw of?
wager?
-mainly bet on the outcome of an event such as horse races, sporing, coin toss and sport events
lotter and game of chance?
-it depends on the random number based on a generator
-game of chanec is more interesting, blckjack,,, the house always have the advantage though, they understand the odds of each games and thus set it to the limit base on martingo formula
-poker is the gam of skill, by reading that of the opponents
-one person cn lost worth lost go up 114 billion!
-it can be addiction in a way
-gamber fallacy is the idea that player cn predict the outcome of the game, but in fact past doesnt predict future spin

Econs crash course

so understanding the basics of econs is very important coming to investment
I personally didnt have any background on finance or econs but I am very interested in learning
So i spent my past 2 days focusing on ths 35 videos of crash course
which basically I divided into 3 MAIN PARTS!

FIRST, knowing what is econs and the type of econs aka macro vs microecons as well as the basic terms such as supply demand, productivity and growth
SECOND, coming into case scenario such as inflation and bubbles, deficit and debt, and the approach use to overcome it such as mnetary and fiscal policy, Yellen policy
THIRD, knowing finance and the most imp scenaro used will be 2008 crisis! and then we will go global to import export, poverty, inequality

LASTLY, after building up the basics, is time to apply to real life, HOW TO START YOUR OWN BUSINESS.But how> you first need to understand the meaning of price signal,  revenue and profit,how to build the effective market , risk management, how taxes apply, how to play with human psybology and understandthe sector u go into, be it a economic of education, environmental, healthcare, death, underground, immigration and happiness> and play your monopoly game or oligopoly? hhaa

So, let's start with WHAT is econs?

knowing your taxes before you start your business!
-tax is what we pay fr civilisation, why do we pay? for govermentservice ? or well being of the society? use fr environment? fiscal and monetary policy? to even the rich and the poor?
-type of tax? and the purpose?
-luxury tax- to avoid using oil and fat food by giving carbon tax?
-direct tax
-indirect tax- collect by seller and pay by consumer regardless money they made
-regressive tax- nothing better fr lower income
-toll taxes
-progressive- help to shift the tax to people with more people, like income tax in US, shift those richer to higher tax bracket
-flat tax sounds fair but not good fr countries with too rich and too poor people
-remember the salt march by Mathama bringing people pay attention to tax

behavioral econs?
first understand a few words
animal spirit? when people go irrational
what is bounded rationality?
framing effect?- means people keep making the same decision giving the identical opinion
nudge theory?
-concept wic argues that nudge encourage people toact certain way without chaniging their choices
-risk neutal and loss aversion- loss is more painful that gain is more pleasurable

know your game? monopoly?
monopolistic competition- for thse with similar product
-oligopoly is those with high barrier of entry
-FUNFACT- only half ads works
-also understand crash ourse nesting doolls
-collusion- secret agreementor illegal purpose, thus is important to understand the prce matrix

econs of healthcare
-Canada- private
-France- privare
-UK- all paid b govern
-USA- little of all, spend almost 8t45 per pax in 2012
understand premium mean medical care cost provide by iindividual and company

labor market?
-understand the presence of monopsony- happens wen market demand plainly depends on one buyer!

econs of underground econs?
the breakthrough point is, how is it measure? by electricity use compare to its GDP!

econs of immigration?
WHy GOOD? HOW IT helps in econmics productivity and GDP?
So let start frm knowing the basics,   
the voluntery immigration, in 1930, european immigration was curtailed and asian immigration was banned, but in1960, it was allowed then.
so the research show with inc immigration, increase overall GDP and productivity!
people first has the concept of the immigration surplus, however it only apply and those who live in country before immigrants arrive? the higher the skill workers ability, the higher the surplus



foreign aid!!! How many%?
-1%, Sweden the most generous to the world, humanitarian and environment.
Back to history. After world war, United Nation build up, together with INF for peace, George Marshall  insisted tht US should help to return the ecnomic health.Thus the Marshall plan, 1949 extended to other countries, to lay the ground world fr US foreign progamme.,
1960 6 biliion up to 26 billion fr poverty and AIDS,  more to foreign collony such as Egypt by France,
why?so they will import more from the borrower.
-However, if it is corrupted? is it encourage by national aid?
what is remittence?
is the money due to immigration


econs of happiness? high salary and less transport!
Let's recognise the few terms
Reference income hypothesis- compare to the others
Eastern paradox- the higher income doesnt guarantee happiness
Hedonic treadmill- habitual make people enjoy
GNH- growth National Happiness  used as indication of happiness

Ultimate Health Learning Journey

So, I started of with forex, why? because I never know what it is until I attended another course by Ryan Ng

4 Ques to ask. 

What? Who? Why? How?

Let's start with what?

it is simply foreign exchange, so how you go with it? you buy the currency that predict to increase and sell the one that might drop, because currency comes in pair

Who?

90% are trading speculator!

Why?

because it is volatile n always someone ready to buy and sell!

also it is if low margin and high leverage

What is leverage? I will come to this after.

How! Hah! come the most imp ques!

you need to learn a certain strategy and understand 3 types of analysis, fundamental, technical and sentimental.

some day trader goes fr technical but they is always risk!

so here comes other ques?

what is PIP? what is spread? what is lot, volume? swap?margin level? what platform to use? wic forex broker?

well first, what is pip?

it is a point counted in percentage, in mini lot, there is 10,000 unit and 0.1volume, one pip = 1dollars 

-knowing pip in major currency measure in 4 number after dp 

what is spread?

spread is the measure of the currency per move

the smallest spread indicate accuracy and normally use by pro

what is swap?

is the interest collect by the bank, so if u put ur bet on buy on AUD/USD overnight, and it turns out that AUD/USD rate increase, your swap inc, means u earn

margin level ?

if u lose too much, >30% margin level, u will be forced to close all trade

lastly what platform and broker?

i will come to this in nxt ...

Knowledge to ultimate weath

I have attended a lot of FREE seminar on investment recently and started to realise there is a lot of SCAM in this industry, is like a block box, only people in this field will manage to see the REAL world.

However, there ia one seminar that made me feel like I managed to see the future, the one that actually screen through the creme de la creme among the rest. Simply because I see the planning, a workable one that can bring you far, is to be a sophisicated investor who plan to make it a future career and willing to take time and efforts to learn, and at this point, I hope this is REAL. Because I am convinced at least.

So here is the few points
-First, to avoid scam, learn to ask yourself WHY?
For instance,

1. why CASINO will forever EARN?
-because they work on mathematical probability, when you lose money,what they did? they offer you FREE drink, after you cool down then you continue GAMBLE, after you lose fr the second time, they offer you FREE dim sum!!! What happened when you lost the third time?They offered you FREE stay with FREE spa! and what you did? you COTINUE to gamble the next day!
They are not only working on mathematic probability, they work on human nature and you are TOTALLY under their control

2. Why McDonald is a successful business?
-People said McD win . Others said their franchise, some said their REAL ESTATE. However, the REAL STORY is they work on human nature too. They work on your dependency on COMFORT. Why do I say so. Did you realise everytime before you go to McD, you have this idea of what you going to order? You are so familiar with it that somehow you feel like McD can be you second home. Undeniable, they made money based on their on having a SYSTEM, but they also work on you, YOUR HUMAN NATURE.

3.So what now?
What other succesful business? Apple right?
What apple work on me now?You must be thinking right?
Your Ecosystem! When you think you are in control of Apple
Apple is controling you.
your morning to night routine is all controling by Apple.

Is the whole world is cheating on me now? Great you are asking yourself this ques now
Well, it really depends on what you think

How about SCAM in investment.
FIRST TOP SECRET
1. When people said investing and trading is all bout the right stock you go into, do you believe it?
-Well, it depends, first, Is there a thing as right stock? again you ask yourself, CRAP!If there is, why dont I just buy that right stock and wait fr it to grow?
-Anyone remember NOKIA?It used to be a stock that people said "GUARANTEE PROFIT"
anyone expect it to CRASH right after crisis? Why there are people who earn money from this crisis?
-Because stock is NEVER about the right stock! In fact, there is no RIGHT stock!Is all about timing!

-so what is the REAL LIFE story behind Timing? why some people said there is no RIGHT timing?
Well, that is not false. There is no real timing in Investing but WHY?and what is the exception?
-Let take an example, if I am the BIG BOSS of the company, I have the first hand knowledge, then i share it with the analyst, who is going to know next? of course the acountant, and what they do to earn money? they SELL THE INFO!, the auditory board gets it, the shareholder gets it and the PUBLIC also get it last! so NEVER invest in long term if you are NOT INSIDER!

2-SECOND TOP SECRET
-investment is RISKY!
-Some people say HUMAN is risky
-WHY?because they forget the fundamental, you need risk management for everything, not just in investment but in life.You need to learn what is moving average and divergence.
***hint- the more volatile the market, the more tradable it is, United health is one option
-people said netflix, fb are one of those option. would you go in? how bout disney?fb?google?
YOU cn go into everything as long as you know how to manage RISK!
you need to know the basic, the stop loss
-THE MINDSET is all, investor try not to loss, not to gain money, why, because they work out the probability
-why you need a stop loss?because human has emotion, they do not DO THE RIGHT THING AT THE RIGHT TIME,SO? Never trust yourself!

the key role- LOSS SMALL, NEVER LOSS BIG!
33% is the perfect ratio, why?work out you math!

ALL IN ALL, TOP SECRET NOT TO TRADE BIG, then people ask, how to earn money? COMPOUNDING! many of experienced will tell you, never earn fast money, learn first and start small, eventually, you will get there.That all fr today, thnks for reading this nonsense and night....

Self Reflection

I met up with one of my old friend in secondary school and also my bestie (who I can share stories because they are who you comfortable with)

We talked about our friendship, relationship, travelling experience, work etc.. and of course changes.

I always enjoy this kind of session because this is time when I truly reprocess what had happened, observe my inner changes, aware of my thoughts and feelings, which are something that I always felt hard to express.

Those bad memories are recalled and refresh, remind you to resurface the painful experience, building more protective shield for yourselves, telling you not to repeat the same old mistakes.

Get plan ahead and have certain expectation and targets for everything but not too much, balance is the word you searching for.

Telling us not to judge a book by its cover and truly understand a person before you put assumption.

Not one are generally bad

I personally know that deep in I am a negative person, I always look into myself to know what to improve on. I am not as open and well adaptive and I am improving on that. I am glad that I am aware of the issue so that I can make a change.

Also, not a genuine person who know how to share or ask for help. And I do realise the importance of teamwork...

My winged scapula diary

A month ago, I realised I had developed winged scapula, on my right side. It wasn't really a traumatised news. I been noticed the weakness on my left arms for some time, perhaps 2 months. I first thought of strain, perhaps I been carrying too much weight for the past 2 months. It was beyond my capability and I knew it, my backpacks was pulling me down and into the sands. Probably up to 20 -25kg carrying all the supply needed to survive in the jungle for 3 weeks, with the tops, my hammocks, tins, and food needed for all meal, utensil for cooking, the woks, spades and etc...

Occasionally I had to walk like an old lady, bend to 90 degrees just to carry the backpacks up, coz I felt hard to breath, but this is part of the training. I could ask for help, for sure but my dignity stopped me from doing so. I wanted to prove I am small but I am not weak. I fall multiple times and perhaps that was those one time I injure my nerve and prolly the thoracic nerve that innervate my serratus anterior. I realised weakness everytime I tried to life my arm but didnt notice my scapula was out of shape until I finally get out of the jungle.

Currently doing my physio and praying that it is not muscle tear or severe nerve injury. Not much improvement even it was already a month go. But still I am trying. It was not easy but I need to have faith...

Graduation Day+ 21km run

Today is a crazy day. I woke up early in the morning,430am. Getting myself ready for 21km run started at 530am. My target for this time is 3hrs.

It wasnt a  good day. In the midst of running, it started to rain cats and dogs but I am so grateful that the rain actualy keeps me dehydrated.

This is the kind of sport that need strong mind power. Never a moment I tried to stop coz deep down knowing that when you stop fighting or running, people overtook and is hard to catch up later. Perserverance and determination is for the long run games. So I take it real slow. Despite the heavy rain,  all drenched and further burden with heavy shoes ,I keep it going. Glad to say in the end I finished in 2hour and 45mins for my 21km run. Since is my first 21km so it would be my personal best so far I guess.

I met Song at the finished line, guess both tired as hell. Didn't realise he was just standing right behind me and photobombed me while I tried to take a selfie for the Raleigh  international programme. We had a short nice chat after and I rushed back to hotel right after. I could hardly feel my leg and my appetite was all gone but I managed to grab a cup of coffee before rushing for my rehearsal for grad in Hotel Equatorial half an hour away from my place.

It was done in less than an hour and I had lunch with my best group of friends.

Getting my robe on and make up in less than 15mins, I went for photoshoot session with my family. My dad wasnt as excited but my mum was super!

We had some nice photo taken and right after the ceremony started and followed by teatime. I had great catch up with friends and few of my favourite lecturers. My dad wanted to drive back straight to my hometown that night so we didnt stay long. 

It was hectic but fulfilled day. Medical school life is over but not my medical life and It might prolly just the beginning. Grad doesnt make me feel like a personal achievement. Not that I didnt work hard for it and neither I am not proud or happy. I just feel more grateful for those who stay with me and never let me down=) ❤️

Family- the one who give unconditional love



my best hiking buddy and the valedictorian!

The one who never fail to make me laugh

The one with bunches of philosophy

My twins❤️ The one who know everything about me but never fail to melt me with her kind words

My adventurous and crazy buddies.. too many first time..

It is jusr me

The one who always remind me to work hard💪

The dark secret🤣

The one with speed 💪

The one with too many sides😂

The cool one..

The one who can blow away by wind😂

It's just me




Finally, we grad tgt❤️

Friends of a lifetime

After 5 years of medical school, we finally graduated!
One thing that I value the most is this group of friends who has been there with you through up and down...

Trip back to Intec!

 Our last trip to Sunway Lagoon! Hopeless face =P

YAY! Group photo!

Best Formation! =P

Hope that our path crossed in the future.
My college life would have been different and less colourful without this crazy group of friends

Mother Day

The one who always stay close to my heart <3

Sincerity

Be kind even you been treated badly

Be true to yourself and never doubt the principle you always holding on to

Be in love with yourself because no one does that more than you do

Be so busy that you have no time for nonsense

Be alone and have time for yourself as much as you can

Be wise that even you couldn't doubt yourself

Be happy for small details and little things

Be grateful that ability to breath is all you need....

=)

Never give up until the disc touch the floor- Sport Spirit!!!

The passion that never fade...

Hours of games under the scorching sun made all of us dehydrated, but it is definitely the best game I had after so long

We gathered in the field early at 730am and double up the sunscreen =P

Compare to our juniors and super juniors who are already done warming up and started practising on the field, half of my team was still not here yet~!!!!

The flashback of my frisbee team back in Dublin came out of no where, I remember the Edinburg tournament and the game I had in Cork back in ireland was one of the toughest game and did so many practises for almost every weeks just for the game

and flashback to the time when I first approach Frisbee in my A level year, we never have a proper couch and always struggle with the skills, the strategy, and now it comes all so natural, the best of your muscle memory...

The game was great and always happy to see new blood joining in the game, the team spirit is always what I treasure, perhaps this is what really that keeps me playing, getting to know people through sports are great way, because we all work for that same goal and the feeling was satisfactory...

Never give up until the disc touch the floor, this is the principle of my life, not just to the frisbee disc but to everything we do, we give our best, even we fail, we learn from it and move on~

flashback

there are certain thing in life that you can never get over with...

heart back to place

when the heart finally come back to its place, I want it to stay there.. forever