"God, I had enough of this!"

She screamed. That was like all of a sudden.

"What did I do to deserved all this?"

She paused for a while and take a deep breathe.

I look at her but I didn't say a thing. I probably, just probably understands how does she feels. Maybe not to the extend that I would do the same but maybe if I hit the jackpot like she did, I'd be the first to jump.

A few moments before Kong was here beside her. I do not understand Cantonese but I think I did get a few part where he said;

"Why you keep on delaying this case? Just submit this one case and be gone with it. This case of yours is ruining my chances of getting enlisted for the London trip!".

It stunned me. I know we all at some point have to be honest but I didn't expect that it would come as straight forward as that. Bummer! I was like, how could he possibly say such things? I mean I do get the urgency of hitting the branch target but this? Ruining your chances to be on board the London trip? If I'm her, I'd be pissed. More pissed than anyone could ever imagine.

I kept my eyes firmly on the monitor. I was supposed to update some database but I can't help it but to hear all that. He didn't really raised his voice but then you can sense the frustrations in the tone of his ageing voice.

I turned my head to Nat. She didn't even look at me, paying full attention to her work. I was waiting for her to say something as I'm pretty much accustomed to the way she operate. She will always say something every time Kong came down to give a few encouraging words. Well, discouraging - that's more I like it.

After a few moments she stopped and said;

"I'm letting you know in advance"

I don't like that sound but I guess I kinda know what she is going to say.

"My last day with this bank would be on the 27Th"

That's it, I knew it! I knew she got that on her mind for God knows how long and finally now she said it.

"Good, you better because if not I'm gonna kick your ass out of this office"

She drew a smile, a big one.

On this occasion how I wish that I could do the same too. Given her situation, who would not? She's clearly not happy here. Not happy with lots of things - problems with colleagues, the boss and the whole institution is against her!

But I haven't get to the best part yet - She'd just secured RM2 million worth of deal in which will give her a commission in not less than Rm 250,000. That's like getting a RM 20,000 for a whole year without doing anything. Damn!

While she is on the happy side of writing a resignation letter, me on the other hand is hoping that I will get the chance to be back at home, to be near to my family and my dearest baby because I know at this very moment, they need me more than anything.

God will never leave you empty. He will replace everything you lost. If HE ask you to put something down, it is simply because HE wants you to pick something so much better

"Nope, take it easy. It won't hurt that much".

Gently I tear off the envelope. And there you go. That was very much of a relief but the real thing has just begun.

"It wasn't that hard isn't it?"

I could close one eye and just look at the figure and try to tell myself, it's bearable. Just to keep myself calm and not to panic. Pheww ...

Have you ever felt that adrenaline rush everytime you received your credit card bill or bills? The thrill, suspense well it is more like a thriller for some. Believe me, it's so not easy. I remember that feeling. I can't wait to not feel like that anymore.



I'm here. I've been here for the last two years. Pretty impressive because back a few years ago I can never imagine myself being a banker. The idea of working for a bank is scary to me. But here I am, standing still after one helluva ride. Me, a banker - it doesn't really rhyme.

I failed my accounts, I failed my maths countless times over the years and that's on the academic part. On personal terms, I'm spendtrift, a shop-a-lot and bad with managing credit but one thing I can't deny, I love money. That's the only thing that I can make me feel connected to financial institution.

Somehow, all these makes me feel like "Rebecca Bloomwood", a shopaholic who can never get hold of her financial finance working for a financial magazine called "Successful Savings", teaching and sharing thoughts on personal savings, APRs and advising and giving a lot to the readers but what she never did was to take her own advice. Me, on the other hand, sometimes I feel that I am more or less like that not the part that I'm supposed to be "The Girl in A Green Scarf". Maybe I suit more to "The Boy in A Blue PJs" or maybe "The Boy in The Blue Boxers". Eyy, that's kinda cool.

It felt good, after all these years somehow being in this line taught me a lot of things and knowing little by little the way in and out of it makes me feel a lot more energetic and in the process build up my confidence.

A friend called a few days ago and asked me about how to open an account.

"Dude, need some help"

"Okay, wassup?"

"I kinda need to open an account. I have a malfunctioned mykad but it would be from a competitor bank. How do I go about it"

I paused for a moment, like if you open an account with my bank I got something from it? Perghh ...

"get a temporary IC from JPN. That would do"

"Anything else I need?"

"Just in case they want more supporting docs, bring your birth cert and driving license along"

"Okay, cool. Thanks dude"

It's a simple question but I feel proud because I shared something that I know with someone. I can feel the happy-ness in it. It was such a pleasure when someone come to you and asked for your advice on things. It might not be a one million dollar question but as long as you can satisfy that someone with your explanation, I think you'd be satisfied as well. That's the way it is, right?

Be proud of what you are doing for you are doing good to others. yeah, talking like a real man!

Image courtesy of : http://washingtonindependent.com

Do you remember when we first met? I know it was not the, you know under normal circumstances would people call a date but I thought that should be our first date. And I still remember that I was having a little kick on myself for not buying flowers on that special day, in which I wrote a post that you did not even know that it was about you. You know, sometimes life is funny. If I look back at how things started, oh boy ... I just can't believe it but hey, we're here aren't we? We pulled it out together.

Just some random thoughts playing on my mind.

You might be asking why all the sudden and my answer would be, I suddenly thought of it. Been feeding myself with some rom-com recently and I find myself back to the old times mode. You know, laid back, relax, be funny and just seriously take things a little easier. Having a little breather I would say.

Sometimes looking back at the whole "how we started" kinda thing tickles me a lot. I know we often talked about it. You know the little, "how can this be" talk over the phone and everytime we talked about it, it never failed to amuse me. It's funny how people from two different world, the opposite direct of every single thing on earth could get hooked to each other. Let's just keep the details to ourself for the moment.

"I pray to God and HE gave me you"

Seriously that was like the sweetest thing that I've ever heard of.

Picture courtesy of : http://chrisbarton.wordpress.com

One of the regrets of my life was not being able to educate myself earlier with personal finance. Even though it might not seems to be too late to have acquired at least some at the age of 26, I think life could be better if I start to accumulate them at the age of 16, which is exactly ten years ago.

Now, let's just forget for a moment about the recent "revert back to Bahasa Melayu" in the education system. The issue that I would like to talk about today would be, "Financial Literacy". Financial literacy of course refers to the ability to understand finance and also creating awareness in oneself one the matter of personal finance. This is one area that I think pretty much important and should be in-line with other subjects.

We have been taught to get good education and then get a good job since we were young. Not that it is bad, not that it is not good enough but maybe - I would not set aside any possibilities that it is not good enough but the reality is, most of us are merely a product of a textbook and nothing more than that. Most graduates are not well prepared to face the hard truth of the working world, what more to say on personal finance - which is not on any syllabus at all.

Robert T. Kiyosaki said in his books, I've forgotten which one; there are three types of education that everyone should have,

1. Academic education - I mean before you can be financially literate, you need to be able to read, write and understand at least the basic education right? At least you go to school, complete it and not dropping out so that at least, even that you're not a graduate you would probably get the idea of what the news are saying.

2. Professional education - Tertiary education in case you don't have a clue. These are obtain via entering universities, colleges, vocational universities, liberal arts colleges or institute of technology and by completing them of course.

3. Financial education - This determined our financial station in life.

And most of us, sadly stopped upon completing our professional education. Most of us are amongst these average Joe's who go to work, get paid and pay bills, fullstop. Even if you don't want to get rich, if you don't want to get into deep shit for the rest of your life, you better start to equip yourself.

Now, talking about this financial education, I came across a website a while ago and I thought the idea was brilliant. It was something that I would like to call very thoughtful of them to educate our younger generations on the importance of financial education. It is called Money Tree.

Money Tree was established to provide the financial skill and knowledge to youths aged 9 – 22 , which would be required to build a career or business, as well as plan for their financial freedom. It has been created to fill the void left by the education system and school curriculum and to explore the opportunities available worldwide to further the dissemination and propagation of high-quality e-learning programmes utilizing state of the art technology, and to groom the next generation of entrepreneurs.

Being that said, this academy is like a tuition center for kids to acquire basic knowledge of personal finance. Isn't that marvelous?

Let say if they have classes for folks like me, I would certainly go for it because for me I have so much more to learn and being in this field I think it will be an advantage for me to have all these in my head. Last Saturday I was supposed to attend a seminar organized by I-Fast Caoital at Wisma MCA, Jalan Ampang but due to office commitment I could not make it. It's free anyway. As what was listed in my resolutions for last year, I told myself to go to seminars and invest in it for myself. Missing this one would not dampened my spirit in doing so.

Any courses that you want to bring me too?

Saving! That's like one topic that even when you're still in your Mommy's womb, your folks have been talking about it. Why they even think about it in the first place? Simple, to fund the process of you growing up. That is to sum up, giving you enough food to eat, to provide a comfortable place for you to live in, to give you good education and to have some cash prepared just in case something unexpected happen - touch wood lah hor.

Now, saving and savings are two different things. The former refers to an increase in one's assets, an increase in net worth, whereas the latter refers to one part of one's assets, usually deposits in savings accounts, or to all of one's assets. Now, I'm not going to give you a boring talk about the important of saving or savings but what I would like to share with all of you is how I actually do it, my way.

How much should I save? That is the question that often comes across my mind. Is as long as I can save, even as little as a buck, enough? Or should I save one grand per month? While the more is the better, a realistic target is equally important too. Now, realistically for myself, a few hundred is affordable. I don't earn that much to set aside a lot but I think, comfortably I can live by that.

I once read this book by Azizi Ali, titled "Millionaires are From a Different Planet!". I must say it's an amazing book. That was the very first book that snapped me out of my dream land and said;

"Hey, dude! What have you done?".

It kinda open me up a bit to read more on personal finance. I know, I should have started a long time ago but not a surprise, you can ask around, not many of us are aware of this part of their life. So, I said to myself - It's not too late to do so.

When it comes to the topic of saving, sometimes it's hard to give an exact answer. Ask a friend, how much he/she save monthly and they'd probably say;

"About a hundred"

"A few hundreds"

Often you got answers like this. "about", "around", "sometimes" and some would probably tell you,

"Where got enough money to save?"

But if you asked me, I can confidently tell you that I save an exact amount of RM 580 per month. It's not a staggering one grand a month but that is the best that I can do at least for now. You gotta start off somewhere, right?

A few of us were talking about this topic over the supper table and there was this friend of mine saying that saving a hundred buck is like not saving at all and it is somewhat an amount that she would think very little. She later added that she would like to have at least a saving up to a thousand monthly, now that is what she would like to call a saving.

I asked her,

"How much did you save?"

The answer I got was, almost none. Now, if a few hundred or even a hundred you can't really save, what make you think you can save a grand? While being positive is good, like I said before being realistic is also equally important. My advice was, start small. Take a hundred monthly. It won't hurt that much. It might be little, but just try.

I myself started small, I initially started with RM 100 a month. But I think somehow, along the way I got the tactic wrong because by next month I'd be using that money and serious shit I sometimes did not set aside that amount at all. I wonder where did it all went wrong?

As I go along the way, I bump into this system which they call, "Pay Yourself First". It's like this, on the very first day of your payday, set aside you saving and then proceed to pay off whatever that is there you have to pay. I think I read that somewhere in Azizi Ali's book and also in KC Lau's "Top Money Making Tips For Malaysians". That was the day that I decided to place a SI (standing instruction) to transfer RM 100 to an account with another bank every month. At first it was a little bit hard because I tend to take out that money whenever I want to go shopping but after a few months, I can't feel the money anymore. I'm used to not having that RM 100 in my pocket and so it stayed there.

Saving is also one part of "Investment". If you have zero saving, what is there to invest with? Like any other bumiputera out there, yes I am a bumiputera just in case you don't know ( a lot of people here are still puzzled over my ethnicity status), I am eligible for ASB investment. Now this is one investment tool that I think all of you bumiputeras out there should take advantage of. Use it, seriously. Since you're given the privilege to do so, do it while you can. Sad to say that most of our bumis, do not really fully utilized this privilege. It's a waste. This is one hell of an easy ride that can easily give you 7%-9% ROI annually, no joke I tell you! Maybe at some other time I will elaborate more about ASB, not that I know much about it anyway.

When the FIs introduced the ASB Investment Plan (I think it was back a few years ago that I first heard about it) I was a little skeptical. You know, like some of my friends they always say - "Bank tipu orang". Okay, I'm not going to defend that statement. It's up to you. I took up a loan to finance my ASB, although I would not advice you to do so because of the interests charged a little too not over you hoo-haa, unless you have a lot of cash then you can do it without the loan. I pay RM 140 every month for that. That was like a forced saving for me. In a way, a hard way it kind of giving me the discipline to save. After a year, I decided to add on to my loan and taking advantage of the situation but opted for another RM 140. That's RM 280 in total.

These are my only tools for saving at the moment. And I added another two SIs worth RM 100 each to another two different accounts and that make a total of RM 580. And that is how I save my money. And subsequently, after the savings reached RM 400, I will transfer them to my unit trust investment. I haven't got enough to buy more but if you do have a lot of cash, now is the time to buy but be extra careful. Even though the power of leveraging looks pretty promising, there are some things that you need to deal with carefully and that would not be an area that I can say a lot of things because honestly, I am still learning.

They've install a new machine in the banking hall today. A new CDM. And I said, finally after a year full of complaints they decided to have the old machine replaced. I just don't get it sometimes, when every other banks in the region are on a full scale make over - for customer satisfaction purposes of course, this bank seems like a little not moved by the idea. Funny, and yes I am very much aware that this is by far the stingiest financial institution I've ever been in. (I actually have been in two, but according to friends and colleagues - yes, they are).

We actually had a briefing on how to handle the machine this evening. They way the thing works differs slightly from the previous one. This one is more simplified and less hassle in a way and I hope it's less sensitive as well. I'm sick of complaints and attending to a sick machine. I'm actually quite relief that SSTs are off my portfolio for now but again being in remittance department is like three times the work and with another teller of mine out for a freaking two months maternity leave, I'm having her share of work imposed upon my already bundle ladden table and having another slow-moe dickhead who claimed to have four freaking years in banking line, doesn't really help at all. I wonder, how could these people passed the interview? I'll save my thought on that for another day.

Oh, boy .. I'm the cream of the crop eh?

So many things, yet so "Don't Know" what to write. I guess that's the price that you pay for not been blogging actively for the whole year. I believe ever since I moved here, everything had been a little bit too mundane. I guess being brought up in a small town makes me feel like I suited more to a small town rather than big cities like KL.

It's easy to say that one must balance between work and having own life but the fact is, in this place I feel pretty much do not have a life at all. It's not just a life less than ordinary but maybe extraordinarily lifeless. It is said as if one just couldn't imagine how to cope with that.

Blah .. It's dull, mundane, boring .. That's what it is.

Ras was is in KL. How I know? It's a good thing that I spent my weekend sitting in front of my computer and spending ample of time on facebook. I saw the status saying "kelompo kelompo". I quickly sent him a message on his mobile asking is he coming down to KL and he promptly replied, YES!

For that moment I thought, facebook is just brilliant. Not that I only realized that now but somehow I wanted to echo the statement around! and yes, I met him today. Having some lomo time down at KLCC. No, I'm not planning to have a lomo camera or what not even though I've always said that I wanted a camera. I do not know for what purpose that will be but I want it but maybe not so badly. If you give money, I think I would like to prefer the money more than the thought of buying a camera. Weird, but it is true. True things sometimes doesn't make any sense.

We spent time catching up on old stories, talking about friends, while a few of us are still single (not available) there's a bunch of us who are happily married. Well, actually not just a bunch but like almost all of them. Funny, it feels like we were in school yesterday. Time flies. I know, you can't turn it back. Same like some words when spoken can't be taken back. Can't find a better man.

I remember the days when the "Ujang" pantun series was released back in 1996. The thought of Lim Tat and Din Beramboi came to my mind. Because of this freaking tape, we got so excited and we decided to make our own "Ujang" series. It's not funny but it is funny to us that time. I remember Ras recited a two kerat whammy and it goes like :

"Aku ada kek, mak aku ada p***k"

We thought that was funny but little that we know that the recording almost land us into trouble when the pengawas asrama decided to take away the tape and threatened us. And for that very reason, we all have to behave. Really really behave. I wonder where is the tape right now. I would love to listen to it again. Listen to how stupid I was - but then like they say, if you were not a manace when you were in school, you have nothing to talk about when you hang out with your old buddies, like today. At least, today we had a good laugh. So, don't be too good in school, be nasty a bit. That's a must!

I know, I didn't explain that much on the content of the tape - but honestly, I myself trying very hard to remember it. But I know it was full of curses and fucks all around. I mean it. No, there's no moral of the story. I think some things are meant to be left as in what it is. Don't think too much. Like the saying :

Fortune fame,
Mirror vain,
Gone insane but the memory remains

I'll rest my case for the day.

P/S : It's hard to write - my brains can't really be in a creative mode

P/S : Hey, don't give it up. No comments doesn't mean the end of the world. Keep on writing.