Saturday, October 15, 2016

Stages of wealth

"Money won't create success, the freedom to make it will"- Nelson Mandela
Number of stages
  • 7 stages - After goggling "stages of wealth", websites from search results point us to different views. Generally, there's about 7 stages (More info). 
  • Key stages - I'm going to assume most readers are interested in the later stages: Financial Security and Financial Freedom. People in the early stages mainly consist of students, those owing debts or from the lower salary class.


Financial Security

  • Passive Income = Basic Expense - This stage is met when passive income is able to support basic expenses. Passive income can be derived from stocks dividend, collection of property rent or pension / CPF monthly draw-out.
  • Safety net - This stage is an important long-term safety net. It provide a peace of mind should one be unable to work or have been retrenched. 

Financial Freedom
  • Passive Income = Monthly Salary - Many may rebut this formula it differs from the norm. However from observation, most people adopts a comfortable lifestyle which their salary can support. As such, it would be fitting to equate the two. 
  • Financial Freedom = Job Freedom - Once financial freedom is reached, it enables a person to opt for early retirement. It also enables switching into a new career of passion even if the salary is lower. Most people continues to work out of a sense of satisfaction and the ability to interact with others. Doesn't this sounds like a dream come true.

    Best running shoes

    Best running shoes for me is definitely SAF PT (Physical Trainnig) Shoes from SAF e-mart.

    Price
    • $39.50 to $44 - It's so cheap and you can pay with Cash or E-mart Credit (For NSF/ NSmen/ Regulars). This great deal doesn't come as a surprise, this is like placing a bulk order for all Singapore soldiers and both suppliers only need to produce 1 model each.


    Comfort, design, durability, branding

    • No need for research on comfort, design and durability - The experts in SAF would have already carried out extensive analysis and concluded on the best pair of sneakers for Singapore soldiers who perform tons of training exercises day-in-day-out. 
    • Branding - Its Adidas and New Balance! At this low price, where else to find!
    • Personal Experience - I've been jogging, trekking, visiting the gym, joining RT/IPPT sessions and partake in physical training during reservist with this pair of shoes for more than 6 months, the experience has been awesome with no issue at all. Others have quoted favorable experience as well.
    • High/Low Arch Foot - Adidas for High Arch. New Balance for Low Arch.

    Where to buy
    • Purchase - It's available (a) online via ns portal website and, (b) at physical e-mart (Location).
    • Selecting shoe and size - It's best for those making 1st purchase to visit the physical e-mart outlet, try out the shoe and know your correct size. If you fall in love with the shoes, subsequent purchase can be conveniently made online and delivered to your home.

    Friday, October 14, 2016

    Jesus Christ is real

    Jesus Christ existence is real, so is the Gospel and the Bible.
    Facts
    • Jesus existence is real - Many ancient records have proven this from both Christian (More info) and non-Christian sources (More info).
    • Jesus resurrection is real - The tomb in which Jesus was buried was discovered empty on the 3rd day. Many people had real experiences with the risen Christ. Christian church soon established and flourished in a unprecedented way.(More info)
    • People die only for what they believe to be true - The 12 apostles (Jesus's disciples) fled when Jesus was captured. If Jesus's resurrection isn't true and witnessed, there would be no reason for them to risk their entire lives to preach the Gospel and ultimately give their lives as martyrs for Jesus Christ (More info).
    • Bible is the word of God - The Bible has great scientific and historical accuracy. The book reads as one even though written over 1600 years by authors from different countries, languages and professions. >300 prophecies in the Bible came true. The laws and teachings from the Bible is applicable throughout the passage of all time (More info). The Bible Revelation is beyond human comprehension (More info).   

    Why Jesus came?
    • Jesus is the lamb of sacrifice for our sin - Jesus preaches about the kingdom of heaven and brings good news to the spiritually poor people in this world. Despite being tempted in every possible ways by Satan, he did not sin at all (More info). He then died on the cross for the forgiveness of our sin so that we can reconciliate with our Holy God (More info).


    The Gospel
    • It is an account describing the life, death, and resurrection of Jesus Christ. 4 important gospels are MatthewMarkLuke, and John found in the New Testament of the Bible. (More info)
    • Nicene Creed sums it up beautifully. (More info)