Wow! What a great year for investors who follow the KLCI closely. 21.8% was the appreciation for year 2006. And to top it off, many employees have been paid their bonuses. So what do you do with your money?

Ok, nobody can tell you what you should do with your money but one fact is clear. If you spend it, it is spent. So obviously all of us would be seriously planning the proper allocation of the recent monetary blessings.

A good suggestion or principle I heard is this. Major in wise stewardship of your blessing. Three things: spend some for enjoyment (you deserve it!), save or invest some of it (for the future and the unexpected) and be charitable (do something for someone other than yourself). Do all three.

We are very good and clever with the first one and required sacrifice and resolve for the third. For the second option, I think for many, saving or investing some money for the future is harder than one may think. We all agree that it is good to save some money but to actually act upon it is the challenge. For example, how many times you remember of saving some money and then end up spending what you have saved later on. The primary reason for this is because we do not have a plan for the savings program.

Oh well, let's enjoy spending first.... you deserve it.

The shorter the better

Well, what do you know? A reader informed me that this blog url is too long. I noticed it but never took action. See, I did not major on it. It is important because long url is cumbersome especially when you are copy and pasting it to your document. It is a turn off, giving the impression that the creator simply do not put enough effort to think of a better name.

I have some suggestion for those who are interested to name their blogs or websites. If you discovered that that particular name has been taken, simply are a numeral in front eg. http://1majorvsminor.blogspot.com . Why? Because when someone searches for the keywords or relevant name, your site may still be found. I learn this basic stuff from an internet marketeer. But I do not know if search engines have begun to filter out such prefixes.

Asking for the world

If you want to learn how to push the limit of your proposal to your client, just observe how your child ask you for the desires of their hearts.
Today is Christmas day and that's what exactly my 4 year old son, Michael did. To start of the day, he asked for a yo-yo. Well, it didn't cost that much (RM3.00) and he did ask very politely. How could a father resist? I bought it. Then later in the day he went further. When we were in Carrefour he dare to ask for a toy car! He had actually received many toys during the day and yet he asked for more. Incredible isn't it?
The attitude of unshameness to ask and "dis-satisfied" with what in already secured is the essence here. My son does not pity my wallet.
So remember, after your initial proposal just continue to ask and fill all possibilities with the favoured client. You will be surprise you might just get a little bit more.
Incidentally, I did not give in to my son. I am the father, I have the reponsibility to teach him how to delay his wants for instant gratification. More on this sometime later.

The purpose of the blog is to share my thoughts with all who know me. Incidentally we are nearing the end of 2006. Hence the timing could not have been better for me. So, just wait for the blogs to start. Cheers!