Draft financial planning

Future=need qin~ So it wont be wrong to estimate my future needs. Calculations below were made based on prediction, hence it may appear unrealistic.

Fresh grad, Year 1 (age 24):

Assumption Salary=rm2300
Monthly car installment= rm922
Monthly petrol=rm200+-
Monthly food expenses=rm400+-
Monthly pocket money to parents=rm200+- (sorry daddy mommy, you son just fresh grad, will give more later)
Monthly saving=rm 600 (300 for long-term investment, 150 cash, 150 saving acc)

It haven't include entertainment expenses, car service, ptptn and unexpected costs.
Saving account total= rm1800, Investment=rm3600 (not including Return on Investment for easier calculation)
Annual vacation= -rm1500. Total saving after year 1=rm300 (LOL?)

Comment: life in 2012-2013 might be tough.

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Year 2 (age 25):

Assumption Salary=rm2700 (reference from jobstreet)
Monthly car installment= rm922
Monthly petrol=rm300 (predicts that petrol price will increase)
Monthly food expenses=rm500
Monthly pocket money to parents=rm200 (sorry daddy mommy, still poor)
Monthly extra pocket money=rm100
Monthly saving=rm700 (325 long-term investment, 100 cash, 175 saving acc)

Bank saving total until the end of year 2=rm2400.
Amount on investment until the end of year 2=rm7500.
Annual vacation=- rm1700, Total saving=rm700.

Comment: If saving is more than expected, might as well as invest in higher risk investment.

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Year 3 (age 26):

Assumption Salary=rm3200.
Monthly car installment= rm922
Monthly petrol=rm350
Monthly food expenses=rm550
Monthly pocket money to parents=rm250 (sorry daddy mommy, still poor lol)
Monthly extra pocket money=rm300
Monthly saving=rm800 (400 long term investment, 200 cash, 200 saving acc)

Bank saving total until the end of year 3=rm3100
Amount on investment until the end of year 2=rm12300
Annual vacation=- rm1900, Total saving=rm1200.

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Year 4 (age 27):

salary increase=rm3600
Monthly car installment= rm922
Monthly petrol=rm400
Monthly food expenses=rm600
Monthly pocket money to parents=rm350+- (sorry daddy mommy, still poor lol)
Monthly extra pocket money=rm350
Monthly saving=rm950 (long term investment=rm450, cash=rm200, bank=rm200)

Bank saving total until the end of year 2=rm3600.
Amount on investment until the end of year 2=rm17700. *(18K CAN MARRY JOR LOL, but.... of course will let the money roll first lol)
Annual vacation=-rm2100, Total saving=rm1500.

Comment: extra pocket money seem to be a lot, either allocate extra saving on investment or investment+vacation

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Year 5 (age 28):

salary increase to rm4000.
Monthly car installment= rm922
Monthly petrol=rm500
Monthly food expenses=rm650
Monthly pocket money to parents=rm400
Monthly extra pocket money=rm400
Monthly saving=rm1200 (long term investment=rm600, saving acc=400, cash=rm200)

Bank saving total until the end of year 3=rm6300
Annual vacation=- rm2500, Total saving=rm3800.
Amount on investment until the end of year 2=rm19500

Comment: having nearly 20k (without counting ROI) seems good, and the saving account amount indicate that I might be able to travel to somewhere with higher currency soon.
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Observation:
1) Large portion of money went to car installment, however I got the confident to be able to balance it by cutting other expenses.
2) Starting from year 3, i might consider start diverging my investment to 50 balanced, 50 higher risk? Since the money I able to spend on investment is more by that time.
3) Annual vacation yeah~ Must enjoy the present life as well, no point do all the saving and suddenly accident happens.....*touch wood* The first 5 years, probably only able to visit places like thailand, bali, taiwan, hong kong, vietnam...etc (thats five!!)

So hopefully the salary can be good, of course that means I will need to get a good company and I am hardworking enough.

Women who influenced my life

Just when I thought everything was finally going smooth, new problem arise. Tomorrow will try to sort it out, so tonight was kinda....thoughtful?

Actually before this I ady tried to update my blogs for many times, but I found that blogspot isn't user friendly enough when it come to picture upload, so it always ended with nothing. Okay no more bullshit, let's enter the topic, who are the women who bring influence to my life.

1) My beloved mother
There are no one else can love me more than her, she is the best thing I ever met. Her unselfishness, her willingness to sacrifice for her family, her everything. I won't be the person I am now if my mother happens to be other people and not her. Mere words won't be able to describe her greatness.

2) A senior of mine
The reason I wanted to write this post is because I happen to read a post posted by my form 6 senior, 男人二十岁后应该学会的13个习惯. She shown me that how charming a career-minded person can be. And I thanks her for listening to me after I was in my saddest moment of my life.

3) My kai mui
To avoid people from misunderstood our relationship, we accidentally become kai kor and kai mui. She is very powerful in weiqi (LOL) and a cheerful girl. She taught me even if two people din contact for a long time, things will still remain unchanged, because of the existing bond.

4) A certain junior of mine
She shown myself what type of person I am, and I learned a lot(?). Practice makes perfect, and we always learn from mistake, and so I am still learning. (I really don't wish to put this up, but I cant deny the fact that it does influenced me)

5).......... shit, my blogging motivation is leaking, so I guess until here only. It's a shame that I din even include my own sister, she might not playing any influence in my life yet, but I do love her :)

Minamo- Yukana (translation)

I have been addicted to this song for sometimes, however no one seems to like it, I cant even find the translation for the lyric online. I think this lovely song from Amagami SS deserved love, so I will try to translate it with my limited japanese lol > <'' (there should be some mistakes) If you pay attention to the lyric, it actually make sense to Nanasaki Ai's feeling. --------------------------------------- Name: Minamo By: Yukana From: Amagami SS (Episode 15 insert)

I love you feeling baby my heart
I love you need you baby your voice in my heart

私と二人嫌ですか?　何か言う事無いですか?
暗闇の中　触れた指先　嬉し恥ずかし　「もう知りません」

初めての公園　思い出のブランコ　どこを見ているんですか?
相変わらずですね　鼓動さえ届く距離　「お仕置きです」

恋心　包み込む　水面（みなも）　今だけ素直になりたい
囁く名前はいつでも　胸の奥優しく染める
I love you feeling baby　瞳とじて
I love you need you baby　確かめる想い

I love you feeling baby my heart
I love you need you baby your voice in my heart

これから時間ありますか?（Day after day）
何か予定はありますか?（Looking for you）
立ち止まる足（sunny day）　重なる視線（rainy day）
決意少しだけ揺らぎます

分かち合う喜び　ご褒美の自由時間　問い掛けられる言葉に
振り向いて微笑み　照れ隠して誘う　秘密の場所

恋模様　やわらかな　波紋　少しの勇気をください
二人で過ごせる時間を　こんなにも大事に想う
I love you feeling baby　覚悟決めて
I love you need you baby　走り出す気持ち

隠し切れない　止められない
どうしようもなく　溢れる想い聞いてください

恋色　映し出す　水面（みなも）　伝える淡い波の音
夜空の下　時が止まる　星達が見守ってくれる
I love you feeling baby　輝いてる
I love you need you baby　譲れない想い
I love you feeling baby　色褪せない
I love you need you baby　大切な気持ち


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Translation

I love you feeling baby my heart
I love you need you baby your voice in my heart

Do I hate it when we are together alone? Is there nothing else we can chat about?
In the darkness. Touching with the finger tips. Happiness or Shamefulness 「I don't know anymore」

The first time's garden. The swing in memories. Where are you looking at?
As usual. The (heart) beat when I near to you. 「This is the punishment」

The passion of love is warping up the water surface. I just want to be obedient for now.
Whisper my name once again. Inside my chest is filled with the color of gentle.
I love you feeling baby　Close your eyes.
I love you need you baby　This acertained's feeling.

I love you feeling baby my heart
I love you need you baby your voice in my heart

The pattern of love. The ripple of tenderness. Please be a little bit more brave.
The time we spend together.　I think it is an important matter.
I love you feeling baby.　The resolution has been decided.
I love you need you baby.　Let the feeling to start moving.

I love you feeling baby my heart
I love you need you baby your voice in my heart

After this got time?（Day after day）
Is there any plan?（Looking for you）
The feet stand still（sunny day） The overlapping's vision (rainy day）
The determination just shaken a little bit.

Sharing the happiness.　This rewarded free time. 　The speech used to ask question.
Turns around and smile.　To tempt the embarassment.　A secret place.

The pattern of love. The ripple of tenderness. Please be a little bit more brave.
The time we spend together.　I think it is an important matter.
I love you feeling baby.　The resolution has been decided.
I love you need you baby.　Let the feeling to start moving.

The are too many secrets to hide.　It can't be stopped.
Cant do anything but cry.　Please listen to my overflowed thought.

The color of love.　It is showing on the water surface.　It is transfering a light voices of ripple.
Under the night sky. The time has stopped. 　The stars are watching over.
I love you feeling baby.　 It is sparking.
I love you need you baby.　 The thought that cant be told.
I love you feeling baby.　 The color is not fading.
I love you need you baby.　An important feeling

Bon Odori 2010

This is my first time driving to the Bon Odori, and I swear in the future I would get there before 5.30pm to avoid the traffic and parking problem.

Many things were being missed due to my late arrival.
The pictures below will summarize my 2010 Bon Odori:

Due to several obstacles, but the time my friends and I reached, it was already 8pm+


Without thinking, my first loli shoot *__*
(the cutest among the loli I took for this year?)

Was intend to took the loli in yukata, but her frens ran in and joined her,
maa....the more the merit XD


Seto....Go!!
I wonder will they all run away if onii-chan suddenly climb with them together LOL


Loli with max agility in her status attribution =_=

this guy pula STR +99 = =ll

She was actually trying to take off her father pant
"Not me..." (look away) XD
"Bon Odori is all about dancing", nuff said

sh-t, the camera man was detected by onee-chan (run)

This mocha(?) ice cream ain't half bad, rm6 totally worthy.

nose digging :D

Fun event is fun, lets meet again next year my beloved friends~

saya no uta

Saya no uta(沙耶の唄）is a visual novel by nitro+, it is not a new visual novel(2003), people who read visual novels would probably know it and I hate myself for not trying it any earlier.


story synopsis:
Fuminori Sakisaka has a traffic accident which kills his parents and leaves him heavily injured. When he has a brain surgery to save his life, his perception of the world changes: everything he sees becomes blood and guts, people's looks and voices seem like monsters, and food that normally appeals to him tastes disgusting. As he contemplates suicide in the hospital, Fuminori meets a beautiful girl among the flesh-covered walls. She introduces herself as Saya, and is apparently looking for her father. Fuminori does not want to be separated from Saya, and asks her to live with him. She agrees. However, while to Fuminori, Saya appears as a normal girl when everything else in his point of view is flesh and guts, normal people see it differently — just as he sees normal things as flesh and blood, Fuminori sees actual flesh and blood as normal.
Basically it means the main character screw around with a tentacle guts monster.





What attracted me to play this game were the comments from friends, "it is damn bloody", "I have got hemophobia for a month after playing it', "he eat human flesh!!", so I thought I will be playing an ultra-violent game, that's all. However after I start playing, it was not really that gross, at least I was fine eating my lunch and dinner when reading it.

After my second thought, not everyone might like it due to the darkness of the novel, people might be disgusted/displeased before they even like it. However I really cannot find anything to condemn on this game. Playing this game is almost like reading 九把刀's novel, the development makes you wanna to unveil more of the hidden secret of the story, and makes you wonder how it will end.

Points of attraction for this VN:
-psychologically screwed main character ftw (ffffuuuuuuu)
-guts can be seen in 60% of the game play time
-superb loli!!!
-nice graphic(even able to compete with some new VN)
-stories ended nicely(not many would agree though)

overall verdict: 9/10

official website:
http://www.nitroplus.co.jp/pc/lineup/into_06/index.php

People who never play should have try, I just used a few hours to finish it.