The year of 2016

Each time at this day, I felt the year have passed so fast and I have not done all the things I wanted to do or I have not live enough. This has been a pathetic trend for so many years. We have never enough and we will have this feeling until the end unless we changed our mindset and be contented and not to be greedy. In the past year, there have been so many unhappy news and the latest is the selling of our national assets like land and energy to outsiders to solve the debts of 1MDB. This is really a shame to call the deal a success. Others like GST, toll hike, subsidy cuts and dwelling exonomy have raised the cost of living of the people and the weak exonomic growth have caused a lot of jobless people which caused a social problem with increase in crime rate. The country is going to the dogs. All these happenings will set the mood for 2016. With a terbukent external environment, it is better to control our life, thoughts and expectations internally. We must not increase our risk , manage our investments, live a simple life, manage our spending and consolidate our investments if we have over invested in certain sectors and watch out for opportunities in downtime. For those not enough income, you either needs to cut your expenditure or increase your income or balance the two sources to stay over the bad times. When you try to increase your income, you must manage your risk exposure and never be too optimistic but remain prudent in your risk exposure. To manage your expenses , try to find joy in cooking yourself and your family if any. Eating out cost a lot of money and cooking yourself can reduce your expenses tremendously. What we need is a roof over our head and three meals on the table. This is the minimum to keep us alive. The bad time cannot stay forever and good times will come again. A happy new year to all of you, Namaste.