Archive for the ‘Me’ Category

3rd quarter of 2012

September 21, 2012 Leave a comment

2012 is left with slightly more than 3 mths. Have I achieved anything some yes some no.

The last 9 mths flew past me like a raise of an eyebrow.

On a personal level my health had improved building more muscles but my weight din went down it is still the same. My diet had changed quite a fair bit I ha already started to eat less processed food. More soupy stuff. Half my portion of cabs.

Financially, I had emptied my account once again for Reno, furnitures, appliances etc. need to restart my savings and work harder to earn more to cope with the extra expenses.

There are many things I would put in place for next year… Going try out new stuff & live my life even more to the max.


Categories: Life, Me, Reflection

2012 resolutions

January 9, 2012 Leave a comment

I still believe in writing down my new year resolutions as it is a form of motivation and tracking for myself.

“Aim for the moon. If you miss, you may hit a star.” – W. Clement Stone


  1. Read at least 5 books about Management
  2. Journal & Reflect my thoughts per week
  3. Be thankful for things whether good or bad
  4. Go for at least 1 mountain climb trip
  5. Write to my 3 kids from World Vision
  6. Plan to start a family 2nd half of 2012
  7. Join Toastmaster in the 2nd quarter of 2012


  1. Spend 30mins every morning on devotion
  2. Pray before I sleep using ACTS
  3. Keep a record of prayed answered by God
  4. Share the gospel to 5 individuals
  5. Attend church service regularly
  6. Ask for praying list from friends
  7. Join a CG


  1. Run twice a week (5km)
  2. Train for my 21km
  3. Eat in moderation (1 day on fruit/juice diet to detox)
  4. Reduce my weight to 75kg (82kg now)
  5. Sleep before 12am
  6. Pick up golf after CNY


  1. Serve 30 more families
  2. Pass my M8A & M9A
  3. Have 5 COF
  4. Write Will for 25 individuals
  5. Cross $100k income mark
  6. Recruit 5 new advisers
  7. Co-Employ a personal admin
Categories: Me, Reflection

Resolutions for 2011

January 14, 2011 Leave a comment

I believe that unless I write down my resolutions and make it public if not I dun think I will be motivated to press on and achieve them.

  1. Read at least 10 books about Management
  2. Journal & Reflect my thoughts per week
  3. Be thankful for things whether good or bad
  4. Go for at least 1 mountain climb trip
  5. Sponsor 1 more kid at the end of the yr


  1. Spend 30mins every morning on devotion
  2. Pray before I sleep using ACTS
  3. Complete reading the bible using ESV
  4. Keep a record of prayed answered by God
  5. Share the gospel to 5 individuals


  1. Run thrice a week (5km)
  2. Train for my 21km, 42km run
  3. Eat in moderation (I still love hunting for yummy food)
  4. Reduce my weight to 75kg (85kg now!?!?!)
  5. Sleep before 12am


  1. Serve 50 more families
  2. Obtain another professional qualifications (AFP, CFP, etc)
  3. Have 5 COF
  4. Write Will for 25 individuals
  5. Help newer advisers to achieve their targets
Categories: Me, Reflection

Beating Busyness #1

August 4, 2010 Leave a comment

Today’s bible study chapt 1 – An Easy Yoke?

28“Come to me, all you who are weary and burdened, and I will give you rest. 29Take my yoke upon you and learn from me, for I am gentle and humble in heart, and you will find rest for your souls. 30For my yoke is easy and my burden is light.” – Matt 11:28-30

These verses are unfamiliar verses to me… I heard and read it all the times when people encourage those who are weary and burdened to claim these verses… Seriously, do everyone of us truly understand what the bible talk about this…

We usually focus on v.28 that Jesus will give you rest… and forget about the rest of the following two verses that talk about taking Jesus’ yoke… learn from Jesus… in actual fact, our yokes are still with us… the life struggles, financial burdens, family commitment, BGR, etc just to name a few… we felt overwhelmed by life’s demands… we felt like giving it all up…

Jesus offered us an alternative… a solution. Our yokes don’t automatically disappear, Jesus wants us to focus our attention upon him. The more we look at our burdens, the more we felt that we cannot bear with all these. He wants to draw our attention away from the burdens and instead focus upon him.

In an agriculture system, when the farmer wants to train a young calf walk straight and in the correct pace… he would have a yoke place the older, trained cow with the plow on one side, the young calf will be place on the other side of the plow… Most of the weight will be on the older cow, if the young calf decide to walk faster or slower, it will feel the weight upon its shoulder. Same when it decides to move left or right, it will feel the weight… so after awhile the younger calf learnt that in order not to have all the weight onto its shoulder he will follow the pace of the older cow and it will be able to walk straight.

Same when we come to sharing the yoke with Jesus, when we run faster or slower than Jesus, we will not understand what He has install for us. If we go left and right… we will get distracted and will not go straight to the plan that Jesus has install for us as well… Thus we need to run alongside with Jesus to understand what he has for us… he is gentle and humble in heart to teach to in his distance… then will we find rest in whatever we are doing… we will not be doing things that waste our energy or too slow to miss out what he wants to teach us. Then will we do the right thing that will not consume our energy and find time to rest.

We can still find rest in God in the midst of our busyness… the problem lies when we are weary or burdened do we seek refuge in God.

In one of the exercise, we were suppose to write out our time block that occupy our time.

My weekday is as follows:

Work : 8 -12hrs
Sleep : 6-7hrs
Exercise : 1/2hr
Family : 3hrs
Friends : 1hr
Travel : 2hrs
Self/QT : 2hrs

I need the Self time to keep me sane… coz this is the time, I think, reflect, journal, pray to God, etc. It is my personal time when I can re-organised myself… without this Self time… I think everything will become a mess… I try to have this time on a daily basis so that I can retreat and regain my energy to do the rest of the things… I find this time extremely useful.

Categories: Life, Me, Work

Back to be a student

July 29, 2010 Leave a comment

These 2 days I become a student again… It’s always gd to be student to learn from people who are more qualified, more knowledgable, experience, etc.

One common thing I discovered about these people, they are ordinary people who do the extraordinary. They took the extra step to press on abit further, asked a few more questions, they made more mistakes, yet they never give up trying and trying again and again. They have humble beginnings and are humble.

I learnt so much today from them. There will be more to learn tomorrow.

After all these knowledge, I hope and pray that I will apply one or two lessons into my work and life so that all these will not gone to waste.

Categories: Life, Me, Reflection

My journey to be an IFA with God

July 24, 2010 3 comments

When I left my previous job, I knew I want to do something that can fully utilized my strengths. I spoken to several individuals about my strengths and weaknesses. They concluded the followings:

I am a people orientated, servanthood, helpful, resourceful, compassion, eager to learn, hardworking, friendly, etc…

During my exploring stages, I was headhunted by two insurance companies… I think God kind of orchestrated the events. My previous church friend bumped into and spoken to me and found out that I was actually looking for a job. Hence he told me that I should meet his boss and have a casual chit chat session to see if I am suitable for the job.

I went to his office the following week and realized that I was at Prud’s agency office, my friend told me to wait in the conference room and hand me a questionnaire. He told me to fill my answers with the 1st impression that reflect on what suit my reaction or behavior when I encounter a certain situations. It was done with 15mins with 150 questions asked. My friend came in shortly and asked if I had finished it, I hand the questionnaire back. He gave me a cup of water and told me that his boss will see me in 10mins time. I wondered what was the questionnaire all about.

10mins past I was called in to his boss’ room… let’s call him, Mr. F. He congratulated me that I did well for the test and I was very suitable for the job because of my strengths(they were listed earlier). He told me I needed to take note of certain key areas of my life and work if I want to improve myself. He asked me if I was ready to start with the job… I was like HUH??? I haven’t even quit my job and you want me to join you immediately to be a insurance agent.

I told him my concerns and I am involved in the student christian ministry thus certain days I might not be able to work on Sat.

He told me one thing that changed my life. My ministry is not only students. My ministry is my work as well. When I am working my fellow colleagues are also my ministry. Whenever they are stressed at work, I can be there to encourage them. If they are pre-believers, I can be there to witness to them about God. If I work with him, he expected me to give 100% of my time to work and be committed because my work matters to God. I am glorifying God thru my work.

It blew my mind away during that time coz to me work was only a means that I receive income and focus should be my student ministry. I separate my work with ministry. I was a Sat & Sun Christian… the rest of the week, I am merely a worker earning my dough.

I thanked him for his insights and told him I will go back and consider. He strongly encouraged me to rethink and get back to him in a week time.

I went off and thought thru… I told myself if I want to join the financial industry I want to have a whole range of products that I market. I did not wish to be tied down by a single company. I know each company his the best and worst products, I want to be able to recommend those products without being biased.

I called before 1wk was over… I thanked Mr. F for the opportunity and told him I will give his offer amiss. Though I could sense disappointment in his voice but he was very kind to wish me all the best for my future endeavors.

Few months later, I met up with this ex student ministry volunteer, SB whom impacted my life while I was still a student. We had a lengthy conversation and told him my plans of quit my job to do something else. He invited me to have non obligation interview with is partner. Since I am exploring, why not take a chance to understand what is IFA all about.

SB arranged with his partner WK for a casual session face to face interview. When I was there, I realized that WK was also an ex student ministry volunteer that means he understands my ministry and the lvl of commitment I am involved in.

He related me what is IFA all about… almost straightaway my heart resonate my belief about going into a platform that I will have the ability to market variety of product that will suit the needs of my future clients. WK understood that there will be days where I needed to be involved in the annual training camp and laborers retreat. He had no qualm about me taking leave to attend such events. The only thing I need to take note is that I should fulfill my min requirements and reschedule certain trainings. He encouraged me to give my best in ministry involvement, once I am back at work to give my best so that I honor God.

I thanked him for his kind advises and left…

It didn’t took me very long to decide to quit my job and told them I decided not to continue for another yr. Yes, I left the job without any backups… Many of my friends thought that I was crazy. It was so unusual of me to do that. Some of my closer friends told me that I am not suitable to be a financial adviser because they know I work best with system. Going into that industry means I will have to create my own system and with the flexible of time I will probably be ill disciplined. They told me that some of my friends who eventually run away when they know that I am a financial adviser. I assured them that I believed that I will break thru and be a successful one. Nevertheless, they still doubted… I was discouraged that they didn’t lend me their support. The only two person that stood by my decision was my dad and Jac. Dad told me that so long as I am able to feed myself and it is a decent job dun worry about others and just do it. Jac though at that point of time was pretty concern cos I left without a job and she wasn’t sure if God is leading me in that direction. Nevertheless, she gave me her support and pray alongside with me. God eventually convinced her in His own way that He is seeing me through all these.

I called WK that I want to be an Independent Financial Advisor and I had left my job to pursuit it… what is my next steps to acquired my license to be an independent financial adviser. He listed out several requirements like passing my M5, M9, HI & M8 exams in order to market the insurance and investment products. I needed to attend several company trainings so that I will align with the company’s direction, core values and culture.

It took me almost a yr to got my license because that same yr, Jac decided to quit her NTU studies. It wasn’t easy for me because I have no prior training in the financial industry. Alot of the financial jargons I wasn’t familiar with, there were alot of things I needed to memorize and calculations that I required my understandings.

It didn’t help when Jac’s pocket money was reduced too… I was in apartment training and I had to pay for certain maintenance. My savings of 5 figures dripped exponentially… due to exam fees, study materials, living expenses, paying for Jac’s meal when she used up her pocket money.

In between I took up part time jobs and photography assignments to make ends meet… God was tremendously gracious to us… we didn’t have to go without food for a single days. We had 3 meals a day even. Lol. Some days, we even have nice meal(slightly better than food court food) to celebrate our monthly anniversaries… Little that we had, we were still contented.

Months later, my apartment training leader was gracious to me too… somehow he knew that I wasn’t doing very well financially so he offered me to stay at his place free till I was able to have income then return him back the money… It took a load off my financial burdens though I still struggle with my expenses. I was even more determined to obtain my license and start earning to repay his kindness.

Due to the nature of MAS strict requirements, I need to clear at least 75% in order to pass my exams… for several times I was obtaining slightly below 75%… 3 of my 4 papers I didn’t managed cleared one time, hence more $$$ watered down the drain. 😦 Each time, when I was out of the exam room… I would text WK, he never fail to encourage me to press on… When I passed my papers, he would call and congratulate me… This encouraged me to press on to study hard to score.

The day came when I finally passed my last papers, I took the result certificate and called WK to let him know that I got thru my final papers. He was super excited about it… I could sense his excitement over the phone. I think he was much more thrilled than me. I went for a mini celebration with Jac.

I applied for my license the next day and waited eagerly for it… however it will take a few weeks for MAS to approve.

Those few weeks I worked extremely hard to gain product knowledge and acquire necessary skills for my work.

During that period, I was really grateful to those who didn’t quite understand why I chose that route but prayed for me. God for providing again and again my daily necessaries, food, money and His word. Jac for supporting me through those difficult times. In her own quiet ways, she prayed and encouraged me. Friends who threw wet buckets at me, Yes, they are still my friends because I know they dun understand and will not understand what convinced me. I believed God used them to make me stronger and more determine to achieve my goals. I ought to thank them too. 🙂 Hee…

In a few months time, I will be into my 5th yr working in the industry… this calls for a mini celebration… 🙂 Hee.

Categories: Life, Me, Reflection, Work

Lessons as a husband #1

July 19, 2010 Leave a comment

Recently, a brother of mine asked for ideas to continue to his writing… I suggested to him that he could start writing about some lessons from God about being a husband.

It’s a gd reminder to myself that I shld reflect on my own journey as a husband. As I journey my walk to be god-fearing husband as God called me to be.

Disclaimer:  It will be my personal reflection of a husband and does not reflect all husband in general.