What are friends for?

Sometimes in life we meet good and not so good friends. Recently someone asked me what am I looking for in my life? There is no right answers but I feel that a good friend will always direct you to a better path along the way. Its like when you are blind and about the bump into a wall, that friend will take your hand and lead you to an open safe path. And if your friend cares about you, they will support your good morals and advise you against the not so good ones. Well I guess I haven't found the friend that I am looking for. Am I giving up? No, not yet. Perhaps I will slow down a bit in my search and not be so trusting as I would like to. I guess its part of live, its part of learning, and its part of being a better person. I am sorry if I have hurt some friends along the way, and brush off some friends in some way. Its just that I have learned that I cannot compromise certain values that I believe in. And I definitely cannot please everybody. Of course, you can't force people to accept your values and your ways either. So, I am better off on my own.

Moments with my daughter

Today I went to visit my dear daughter at SSJB. My nephew bought the bus ticket to JB with company T. Well it was my first trip using the busliner. It seems the bus route to Rembau, Tampin and stop at Air Itam for lunch. Which is another additional hour ride from the busliner that I normally take. Thus, my visiting hours has shortened because I reached JB at 1pm and my next bus to go back home is at 4:30pm. That was a bitter lesson somewhat. I did enjoy the detour to Rembau and Tampin though. I wanted to have a longer chat with my daughter about her performance during the JB Arts Festival. Today we just had less than 2 hours together. Tomorrow is her exam and I told her to take the IQ supplement that I bought. Hopefully she will improve in her exam. I love you!

Retirement Planning

Tonight I went to a friend house to update him on his unit trust investment and to talk about his retirement plan. Since the stock market is bearish and might be for the time being, I suggest topping up his investments to lower down the average cost. I did lock some profits for him earlier which covers his current fund losses and thus preserve his capital. Since he is going to retire next year, we will have to re-allocate his funds to minimize the risk. I proposed that he invest in Land Bank which is considered low risk and will give him an average return of 20% per annum. If he accepts the proposal, both of us will sleep better regardless of the market condition.

Anyway since he has a fulltime housewife and 3 kids that are still schooling, money for investment is quite limited. Looking at the current condition, he would have to continue working after retirement.

Calculation of Zakat for Unit Trust

Today I sat down with one of my clients on how to calculate the zakat for unit trust. Ms Z