Sunday, December 28, 2014

.::. 2014 Report Card .::.

So 2014 is coming to an end, and it's time to look back and see if I've achieved what I have set out to do this year. 2014 has been a very rewarding and fulfilling year on so many fronts. It's a whole year of bliss and calm with really nothing much to complain about.

2014 Resolutions:

1. To stay healthy and fit.
I think I have become alot more health conscious and disciplined with my diet and exercise this year! I have been packing my food to work daily and exercising at least once a week religiously. I've gained quite abit of muscles and tone this year, although I would like to be leaner and lose more fats in the year ahead.

2. Creating passive income
This has good progress this year and I've done up a personal financial plan to be financially free by 40 - 45. This year's passive income is a modest $2k or so, but the first milestone is to grow the portfolio to a six-figure one by the time I'm 30. This year has given great buying opportunities with selective depression in the markets, and we are on track.

3. Finish ACCA already!
I have taken my last paper in December, and results will be out in 2 months' time. Hopefully, I'm done, or I'll have to retake in June 2015.

We also celebrated our 10th anniversary in December - a wonderful decade together with the husband. All's good, and I'm really thankful for all the great things that's happening around me and within me. I think we have grown stronger and closer as a couple the past year and on the personal front, I'm more connected to myself and have never been clearer of what I want for myself in the next few years. The family is also well, and the girls has also been great pillars of support with amazing energy and warmth.

Thank you for the great 2014. Thank you. 

Sunday, December 21, 2014

.::. The Ikea Way .::.

The Ikea Way

Not long ago, this guy shared his experience with getting an Ikea kitchen on his blog. It’s appalling, and anyone who has been through renovation would feel for him. It’s one of those typical horrible experience with contractors, miscommunications, wrong measurements, bad workmanship and worst of all, bad attitude. It makes me somewhat sad and disappointed, because Ikea has been known for their innovation and creativity in managing their furniture design to maximize functionality at low cost through working with their network of suppliers.  I’ve done so many case studies about Ikea during my studies in Sweden, and Ikea represents Sweden in so many ways. Moreover, their kitchen cabinet uses OEM blum accessories, which is probably the best kitchen accessories currently! Ikea’s kitchen is also looking great with a large selection of sinks which I really like.

To Ikea’s credit, they have upheld their values and reputation by rectifying the situation once they got wind of this. It truly shows the power of social platforms and how important reputation and reviews are these days. But being able to apologize for their mistake and take such measures to rectify it shows a lot about the values behind a corporation. A good company will realize that customers’ satisfaction is the main driver of profits and should be one of the top priority.

When it comes to carpentry work, it’s quite easy to discern good workmanship. Apart from the apparent fit of the carpentry and smooth surfaces, one can easily check the workmanship in a few ways:

1.       The edges. The laminate should be seamless at the edges without things like jagged edges and not-so-straight cuts that do not cover the wood totally.
2.       The alignment. The drawers should be perfectly aligned and straight. There should be minimal gaps between the panels of a cabinet. The easiest way to check alignment is to open up all your carpentry, the drawers should not hit one another and panels should not be drooping.

Sadly, I learnt by experience. Till now, more than 2 years after my own renovation, I’m still annoyed when I notice the gaps between my cabinet panels. Still annoyed when I clean my kitchen cabinets and see how misaligned all the drawers and panels are. Yes, they are totally functional and could last for years to come, but I don’t think anyone likes living with such substandard work.

You know what’s the worst thing? The worst thing is, if the carpentry is already done badly, there’s very little anyone can do to rectify such issues, unless to redo the whole thing (which is almost impossible given the cost and time involved). Our drawers did get re-aligned just so they don’t hit each other when opened, but the gaps between the drawers and panels were never able to be perfectly aligned. The edges of the laminate, when not done properly? - The only rectification possible was to use a paint pen of similar color to color over the visible jagged edges just so it’s not so visible. Two years down the road, some of the paint has worn off and I’m getting the husband to buy some paint pens for me to redo the edges because it annoys the hell out of me whenever I see them. It will be many years later before I can ever redo my kitchen and carpentry work, because it’s going to cost me a five figure sum and a whole lot of inconvenience.

I can’t stress the importance of doing some homework and choosing a reputable and good contractor/designer. Sometimes, it all comes down to ethics of a person or a company and how they choose to make their money. It’s difficult to discern, except to follow your heart and your 6th sense when interacting with people and observing them. Mistakes are inevitable, but what’s more important is attitude and how people handle their mistakes. Some will apologize and make the effort to rectify their mistakes, while some will never admit their mistakes but blame everyone else instead.

Not everything legal is ethical, and every business wants to make money. What is most important is how you make your money, because karma works in mysterious ways. 

君子爱财取之有道
Be righteous and make money in righteous ways.

Kudos to Ikea for doing what they did in response to such a situation. Most of the time, customers simply want their issues to be acknowledged and would forgive many mistakes if they were handled in a reasonable way.


There’s always bad people around, but there will also be great ones. Sometimes, when the law doesn’t help, the compounding power of people could be a great catalyst for change and justice. It takes courage to stand up for your values and go against what you believe is wrong. Not many people do that nowadays. We simply take it as it is and continue living life. It's amazing how the power of social media can dig up so much information and make life difficult for some unethical merchants. Not all may agree with it, but hey, I think we do need such people who's unafraid of legal repercussions and spend their time fighting for things they believe to be right. 

There are still too many unethical businesses around, too many people making money at the expense of others. But beware of karma and such social media forces! Every single action produces a consequence.

To ethics, humanity and karma, and the Ikea way ~

Saturday, December 13, 2014

.::. Almost Goodbye .::.

The year is coming to an end. *gasp* I’ve no idea how did time fly by just like that.

I am finally done with ACCA exams, though I’m not too confident about passing and I don’t want to think about it. It’s my last paper, and I’m bummed that I’m not fully prepared and fell sick a few days before exam. Otherwise, that 2 days would have made the difference!

With exams out of the way and our year-end trip upcoming, we spent last weekend doing spring cleaning our place. We did pretty thorough cleaning, from cleaning the ceiling fan to stripping our sofa covers to wash and wiping all the surfaces, air-con filters and even cleaning our metal gates and window grills! *wee* I also packed the storeroom and study room, so I’m feeling very accomplished though it has been a very tiring weekend. We also wrapped presents and set up our Christmas tree for the parties that we will be hosting at home. We bought quite abit of Christmas deco for the home in addition to those recycled ones.

It’s a great time, and it has been a great year on many counts. I can’t wait for our parties and our 10th anniversary Maldives trip. I’m also ahead this time, with all my Christmas presents done way before Christmas!

Feeling very thankful for all the love and people around me who really matters. I think as I grow older, I find it easier to accept that there are mean people and I’m no longer bothered about peoples’ opinion about me. My mum has always said things like what would people think of me if I did this and that, and it may have made me somewhat conscious despite my rebellious streak. But seriously, why the f*ck do I give a damn about what other people think? Going into the last year in my twenties, I’m proud to say that I’m no longer affected by what people think nor say apart from the passing annoyance before deciding to cut people off. Don’t give others the ability to hurt you. Life is way too short and precious for things like that!

I’m really looking forward to the parties and trips ahead! I’m ending 2014 with a bang with a truckload full of anticipation and optimism for 2015. I’m all ready~!