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Hey  👋  

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I forgot I have this blog!

I Google my full name today I found that I have this blog, which I have totally forgotten.

The last post I have was in year 2011 and it is more than 3 years and within last three years a lot of changes and I have moved to another blog www.askchong.com and  www.MSolutionsAdvisory.com and subsequently www.Facebook.com/CnpsAdvisory and www.Facebook.com/MSolutionsAdvisory.

Left my last full time employment in year 2012 and now on my own running comprehensive financial services mainly for corporate clients, which including

1. Accounting and Business Advisory
2. GST Advisory and Training
3. Corporate Insurance Program
4. Employee Benefits Program
5. Corporate Cash Management
6. Business Succession and Estate Planning for directors

Now working together with Excellentte Consultancy, the Financial Adviser licensed by Bank Negara, which has given me a great deal of expanding my scope of services (for my clients) as well as earning capacity.

Middle Class - how are you?

Middle class problem in modern economy.

After reading the interview from people in the so-called "middle class", sincerely I do feel that in Malaysia, earning a household income of above RM3,000 (gross income) is not considered as "middle class" but merely in the middle of Low-Income group and Medium-Income group.

Never mind the classification, it is no longer good to be in the middle class, USA has the biggest middle income group and now is suffering from higher effective tax rate and lower income prospect.

Work harder can only ensure survival, as the increase of cost of living is outrun the increase of salary, we need to work smarter as well as harder in order to enjoy a better life. Well, for me, work smarter include looking for extra source of income at lowest possible cost (i.e. required number of hours).

More reading: The Star, 16 October 2011, Tackling Woes of the middle class.

I support Tony Pua's book - The Tiger That Lost Its Roar

http://tonypua.blogspot.com/2011/05/tiger-that-lost-its-roar-out-now.html

I ordered 2 books today (buy extra one book for friend) .... looking forward to received it and read it.

I love Coffee but not the Sugar

Can you imagine that you have put into your body 1 kg of sugar within next 47 days if you just drink 1 cup of SUPER 3 in 1 White Coffee a day?

One pack (serving size of 40g) contains 21g of sugar.... not to mention the FAT of another 5.2g. No wonder I have gain some weight after drinking for this type of "package coffee".

"Brain drain" vs "Brain from the drain"

Interesting statistic from World Bank.

If Malaysia has 27 million population, then it is about 3.7% was "drained away". If out of 27 million population,  14 million are aged between 21 to 55, then it is about 7.1% was "drained away". Interestingly, most of the "drained away" were Chinese.

What left in the system mainly are the "brain from the drain" - read here.

Read here from Lim Kit Siang's blog.
Read here for Tony Pua's blog.

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