Idiot of the Year.

I know that when you access this blog, you will pointing ur middle finger at anything you see in this screen, Muttering any %$#@! that you can at me and cursing my mother and father being fat all that.I accept your verdict and i plead that I'm guilty to all charges of sins, angers and cockness I have done today. I've screwed up big time.

When i mentioned, leaving at that time, i didnt really use my head and think. I once advised you guys against doing, but look what i did? I'm not proud of myself, i think i was stupid, unwise and a fucking coward to say something without thinking the repercussions of my actions. it was the spur of the moment and I respect you guys guts to really put your spraits together and leave. That was something I did not have, and those things are called balls.

I thought it was not going to happen, my judgement was poor and I know that many of you guys will be thinking like "what the hell?". I didnt think of the options that i could have following you guys out. That was just stupid of me.

I'm already getting ready to face the worst case scenario, i know that i will be subdued to the silent treatment, you fucked my day out kinda reactions and problems communicating with teammates which i deserve it, seriously...

I'll have to bear the consequences of my actions. I'm at fault. I'm happy that you guys went out and enjoyed yourselves. although my sorry's will not change anything, i just want you guys to know that it will never be easy living with this grief & guilt for the next few weeks and very, very to the bottom of my heart, i seek forgiveness and apologies for the the fucking wrongs i have done today.

I dont want to talk about the alumni right now, my current classmates deserve an apology, an apology from a fucker who screwed it good.

The Day Our Senses Arose.

Hello mates...before i update about today, i'll start off with wednesday

WEDNESDAY

Had maths lesson and went back to visual basics which fall unders one of my favorites stuffs. Very challenging but we enjoyed ourselves and i like finally walked to W4 after a long time because i was sick that time and all. AND khai just couldnt stop coming to my com and cam whoring. LOL

these are the pics.

Handsome seh

Linds couldnt help laughing

Trying one on her own...CUTE SEH!

AHHHH!!!
OH MY FREAKING GAWD!
I'm s0 slim!
CUTE
WOOH!
Like Pancake sia my stomach
Hautte
Ladies and Gentlemen and this is poly maths!



Thursday

Had culture today, was so much fun, couldnt present with the normal powerpoint style. could only present with pictures, and khai came with the starhub stick, which was useful actually. we download lots and lots of XXXXYYYZZZ...lols..beauty and the beast la ppl.

I really liked that stick la anddd yeah, visited a friends blog. mood changed slightly...

So I'll go stright to the pics today...


Haha...this again
yawn???
yellow hulk.
Sleepy Yellow Hulk
Shoot Mardhiah

unique

Styling...Take 1

Styling Take 2

My turn to style...khai said i look like mat rep in this pic

Wassup?

Our group today

Sean Tall Signing off Mates (: take care.

The Slow Day

So hello mates, gonna share really about today.

I just finished presenting actually, it feels really slow how much the time has passed by.

So today, studied about atoms in chemistry for like the 1st time of my life..kind of actually, liked it though...haha.

so while playing around with the mini molecules...took some pics and cam-whored with khai.
Imagine if i was this fat (:


So then after that, we went for the anger management CE.

we totally laughed and shouted around with "your mother so fat" around the lecture theatre...haha...so much for anger management

so yeah...have yet to go for floorball training...will be seeing the coach for the 1st time...

hmm...just wish me luck... (:

Here We Go Again! (:

So yeah, back to the lonely journey to school...

Usually, on this journey, i take the time to reflect and think about matters which affect me in a way or another...

The matter that i most thought about on my journeys last week were basically about matters of the heart, which i'm going to finally confess to this certain someone whom it may concern, after days of silence..

I basically fell for this certain someone and by falling for that person, it placed me in a good dilemma for the past 3 weeks.

I wasnt ready for such things to happen, i had to admit that i had no intentions to go any further than a friendship with that person. i wanted to be all by own. Loving one who might not return that love that i gave...

This is my confession for the person whom it may concern..

Dear you,

Things went very wayward than what i hoped for, you treated me with full of care, love and concern which i really appriciated and for once after a long time, it made me felt loved again (:

The feeling was so strong that i began seeing the negative side of the one i was loving. i was making assumptions and comparisions between you and her, i was wrong. i got angered over every slight possible mistake she made and began seeing her very differently, i was blaming her for having the flaws that you are gifted with.

The dilemma i had actually, was to choose whether it would be between you and her. I know it may be hurting for you to finally read it like this. I am really very sorry.

During the final few days, i remembered being honest to you when you told be to confess but i also told you to be very careful.

Indeed you were careful, indeed you were cheerful and you never stopped smiling that whole day but you typically scared me through your misjudgements about the person whom i was.

I seriously felt discouraged by the events that night and whatever it is, i forgive you and thank you but I've got to admit. we can be nothing more than only friends. i hope you understand that and will not intend to take any grudges against me.

So yeah...thats about it...all the best for the week ahead. take care.

Recovery Track.

Okay, here I am recovering from a very terrible flu and fever which started on thursday morning actually but i ignored it till yesterday.

This past week was also very exhausting academically, mentally and physically for me.

I've got to admit really, the pressure is getting to me. With all my UT grades being a C+ and looking at the predicted module grade being pulled down from an A to a B+ is really depressing.

Yesterday did not seem to make things any better for me mentally and physically. Reeta was really a thorn towards the class. She was blabbering about you're in the danger zone if you score a C and below for your UT's and she kept on asking the class to be more specific and go in depth. i'm like seriously, SERIOUSLY, pissed with her.

She manipulated all my questions during the Q and A session to make it sound i was targeting mabe's group during ppt, but i was actually helping them. ARGH. she even gave a freaking brain exhausting RJ, which wasnt needed at that moment with my headaches and all.

later that day, I met farhan and went for floorball. It was fun shit la and i scored and created twice. I'm really hoping on going again even though last night totally drained me to the extent i had to take a taxi home with farhan.

I had one long nagging from my granny about going floorball when i knew i was sick (my temperature was 39.1)...so you understand why.

Rolling back to positive events of the week, Natt gave me an A for problem 8 enterprise. This is what he commented...

Comments for Individual: Your answer is super comprehensive and impressive for first year standard. I would ask you to keep it up but for your sake I think you can afford to town down slightly and still maintain this grade.

Wanna know why? I typed a super long 713 word reflection journal for him which i couldnt comprehend what I was talking about at the same time, beating Vivi's record. LOL...that's the shit hor vivi.

Sometimes i just feel like i got this syndrome where I can be a genius for a second and then be dumbdumb the next. kinda cool ryte?

So the next thing I'm gonna update next about is about this certain someone and me. It's gonna be personal, So watch out for the next post.

So i gtg guys, i'll sign off with the super long RJ i gave Natt...haha...my small moment of genius that happens once in a blue moon. LOL My aunts coming with beriyani!!!

How has today's (16th June) lesson helped you understand about savings and investments?

Today’s lesson has helped me understand about savings and investments better in financial terms and how I can apply them to my daily life.

Savings is the amount left over when the cost of a person's consumer expenditure is subtracted from the amount of disposable income that he or she earns in a given period of time.

For those who are financially prudent, the amount of money that is left over after personal expenses have been met can be positive. For those who tend to rely on credit and loans to make ends meet, they will have negative savings. Savings can be turned into further increased income through investing.

Investment or investing is however, a term with several closely-related meanings in business management, finance and economics, related to saving or deferring consumption. An asset is usually purchased, or equivalently a deposit is made in a bank, in hopes of getting a future return or interest from it.

Example to demonstrate the understanding of investments,

Pretend you are going to start a bubble tea shop. You need some money to get your shop started. You ask your grandmother to lend you $100 and write this down on a piece of paper: I owe you (IOU) $100, and I will pay you back in a year plus 5 interest. Your grandmother just bought a BOND(IOU) by lending money to your company named Bubbles.

To get more money, you sell half of your company for $50 to your brother Matt. You put this transaction in writing: Bubbles will issue 100 shares of stock. Matt will buy 50 shares for $50. Matt has just bought 50 of the shares of STOCK from Bubbles.

You sell $500 worth of Bubble Tea’s. Business is good. Your costs for setting up the shop are $150, plus you pay yourself $100 for the hours you work. The company makes profits of $250.

After one year, from the $250 profits, you pay back your grandmother $100 plus $5 interest. You pay $20 to Matt and yourself, also known as SHAREHOLDERS (a “so-called” fancy name for the owners). In business, the $20 paid to the owners is called a DIVIDEND. You decide to put the dividend money in the bank and so Banking the money is called a SHORT-TERM INVESTMENT.

So we can apply this in real life in many ways.

Firstly, Pay off your debts before increasing your savings, but don't leave yourself too short of cash reserves.

Try to get the right balance between debt reduction and savings. By doing this, I would identify what disposable money I had each month through my monthly income statement, and divide it equally between the two.

If you already have the capital, you still need to maintain a balance. By all means reduce the debt, but remember to leave yourself with some liquid capital in case emergencies rise - you don't want to end up borrowing more.

If you are earning money and have big debts it may not be worth over committing yourself in savings.

Secondly, Before Investing, you first need to decide how much monthly income you wish to receive, and for what purposes.

Is it to be your total income, or to supplement income from other sources? Could you accept any fluctuations in the level of income? Only with such information is it possible to give definitive answers.

You also need to determine how you wish to use the money in four years time.

Is it to buy property in Singapore, to set up a bubble-tea shop, or to invest for longer-term income or even for education?

Having identified that income needs, you should set aside enough to cover the first 12 months' requirement in an easily accessible deposit account.

Lastly, Going for gilts, You could also consider short-dated gilts due to mature within your three-year period.

Gilts are bonds issued by the government - in return for your loan to them, they pay a fixed rate of interest for as long as you hold them. They are regarded as safe investments, as the government is unlikely to go bust or to default on the interest payments.

So that’s my understanding of the topic and how I can use it to apply to my daily life. Thank You.

What about Now?

Shadows fill an empty heart
As love is fading,
From all the things that we are
But are not saying.
Can we see beyond the stars
And make it to the dawn?

Change the colors of the sky.
And open up to
The ways you made me feel alive,
The ways I loved you.
For all the things that never died,
To make it through the night,
Love will find you.

What about now?
What about today?
What if you're making me all that I was meant to be?
What if our love never went away?
What if it's lost behind words we could never find?
Baby, before it's too late,
What about now?

The sun is breaking in your eyes
To start a new day.
This broken heart can still survive
With a touch of your grace.
Shadows fade into the light.
I am by your side,
Where love will find you.

What about today?
What if you're making me all that I was meant to be?
What if our love never went away?
What if it's lost behind words we could never find?
Baby, before it's too late,
What about now?

Now that we're here,
Now that we've come this far,
Just hold on.
There is nothing to fear,
For I am right beside you.
For all my life,
I am yours.

What about now?
What about today?
What if you're making me all that I was meant to be?
What if our love never went away?
What if it's lost behind words we could never find?

What about now?
What about today?
What if you're making me all that I was meant to be?
What if our love never went away?
What if it's lost behind words we could never find?
Baby, before it's too late,
Baby, before it's too late,
Baby, before it's too late,

What about now?


Sorry if this post sound abit emo-ish. I just dont feel good and if i behave like crap this coming week. Pls forgive me. I'm emotionally unstable for the moment. I hope school changes everything and I recover from this quick!!!