Ta Ann 业绩出炉

大安集团的 3Q12 业绩出炉了。

qoq 的 revenue 上涨 24.9%， profit before tax 上涨 133%， net profit 则上涨 128.7%。

第三季度的 EPS 为 8.22 sen。

TaAnn 在这个季度没有宣布派息。
  
TAANN Quarter Report History

Announcement Date	Financial Year	Quarter Number	Financial Quarter	Revenue (RM,000)	Profit Before Tax (RM,000)	Net Profit (RM,000)	Earning Per Share (Cent)	Dividend (Cent)	NTA (RM)
20/11/2012	31/12/2012	3	30/09/2012	234,853	41,615	30,463	8.22	0.00	2.590
17/08/2012	31/12/2012	2	30/06/2012	187,989	17,867	13,317	3.59	0.00	2.510
24/05/2012	31/12/2012	1	31/03/2012	164,567	15,471	11,439	3.70	0.00	2.970

TaAnn 是我组合里最新加入的成员，目前共持有 500 units，平均买入价格为 RM 3.92，目前正处于亏损之中。

不过我还没有卖出的念头，打算依据业绩和派息来考量何时才增加持股。

买卖记录: 加码 UCHITEC 1000 units

看见 Uchitec 的业绩后，决定在 RM1.16 的价格再次加码 1000 units，所以现在手中一共持有 2000 units。

而平均买入价为RM1.20。

如果预测在2012财政年 Uchitec 一样派息 RM0.12 的话，那么它给与我的利息为10%。

这支是我股息组合里的其中一员，主要目标是以收集股息为主，所以会以业绩和派息率为考量下衡量是否继续持有该股。

不过到目前为止，我还没看到卖出的理由。。。

Mudajya 业绩出炉兼宣布派息

Mudajaya 2102 第三季度业绩出炉了。qoq 的 revenue 下挫36.8%， profit before tax 下挫 18.5%， net profit 则下挫 8.4%。

第三季 EPS 则为 RM0.1014，到目前为止 EPS 总共为 (13.61+11.08+10.14=34.83 sen)。

而 Mudajaya 也在今季宣布派息 12.5% 或 2.5 sen，到目前为止总派息为 (4 sen + 2.5 sen) 6.5 sen。以目前 RM2.60 股价来计算，周息率为2.5%。 如果预计全年派息 9 sen 的话，那么周息率则为3.46%。

目前我一共持有 2000 units 的 Mudajya, 买入的平均价格为 RM2.52。所以如果全年派息达 9sen，那么它给与我的利息为3.57%。

MUDAJYA Quarter Report History

Announcement Date	Financial Year	Quarter Number	Financial Quarter	Revenue (RM,000)	Profit Before Tax (RM,000)	Net Profit (RM,000)	Earning Per Share (Cent)	Dividend (Cent)	NTA (RM)
21/11/2012	31/12/2012	3	30/09/2012	352,683	63,348	55,255	10.14	0.00	2.000
27/08/2012	31/12/2012	2	30/06/2012	558,811	77,810	60,398	11.08	4.00	1.980
28/05/2012	31/12/2012	1	31/03/2012	440,491	94,014	74,242	13.61	4.00	1.850

Uchitec 业绩出炉

Uchitec 第三季的 3Q12 业绩出炉了。今季 revenue qoq 上涨了 44.4%，profit before tax 上涨了41% ,net profit 则上涨了 41.4%。

UCHITEC Quarter Report History

Announcement Date	Financial Year	Quarter Number	Financial Quarter	Revenue (RM,000)	Profit Before Tax (RM,000)	Net Profit (RM,000)	Earning Per Share (Cent)	Dividend (Cent)	NTA (RM)
22/11/2012	31/12/2012	3	30/09/2012	25,938	11,881	11,604	3.14	5.00	0.520
27/08/2012	31/12/2012	2	30/06/2012	17,958	8,432	8,204	2.22	0.00	0.490
23/05/2012	31/12/2012	1	31/03/2012	22,029	11,214	10,935	2.96	0.00	0.540

EPS 为 3.14 sen，所以2012财政年的 EPS 到今季为止总共为 (2.96+2.22+3.14= 8.32 sen)。

今季 Uchitec 也宣布派息 5 sen，所以2012 财政年总派息为 5 sen。以目前股价 RM1.16来算，周息率为4.3%。 如果推测全年派息 RM0.12 的话，那么周息率则为 10.3%。

目前我共持有 1000 Units 的 Uchitec，买入的平均价为 RM1.23。如果预计全年共派息 RM0.12， 那么它给与我的利息为 9.75%。

SUMMARY OF KEY FINANCIAL INFORMATION
30/09/2012

		INDIVIDUAL PERIOD		CUMULATIVE PERIOD
		CURRENT YEAR QUARTER	PRECEDING YEAR CORRESPONDING QUARTER	CURRENT YEAR TO DATE	PRECEDING YEAR CORRESPONDING PERIOD
		30/09/2012	30/09/2011	30/09/2012	30/09/2011
		$$'000	$$'000	$$'000	$$'000
1	Revenue	25,938	25,696	65,925	78,312
2	Profit/(loss) before tax	11,881	11,213	31,527	37,047
3	Profit/(loss) for the period	11,604	10,970	30,743	36,294
4	Profit/(loss) attributable to ordinary equity holders of the parent	11,604	10,970	30,743	36,294
5	Basic earnings/(loss) per share (Subunit)	3.14	2.97	8.32	9.83
6	Proposed/Declared dividend per share (Subunit)	5.00	5.00	5.00	5.00
		AS AT END OF CURRENT QUARTER		AS AT PRECEDING FINANCIAL YEAR END
7	Net assets per share attributable to ordinary equity holders of the parent ($$)	0.5200		0.5100

靓图共赏: Driving to the galaxy...

Photo by Gunnar Steinn

意外收获

之前有分享一篇关于“浪费时间”的文章，里头有讲到对主办当局不满。

其实那个活动是一个羽毛球比赛。

当天一共有14队参与比赛，每队球队里由2对男双和一对女双组成。

比赛采取3战两胜的方式进行，需时两天。

一开始我们都是勉为其难的参与，毕竟老板叫道，哪敢不从？所以我们压根儿没有任何目标，打算能走多远就走多远。

怎知世事难以预料，到最后竟然越打越起劲，最后赢了个亚军回来。不止我们出乎预料 ，连其他参赛者也一并跌破眼镜！

哈哈！我想这就是所谓的 "Diam diam ubi berisi "吧。

这就是我们赢回来的奖杯！

信用卡赠品

终于收到了其中一个由渣打银行送出的赠品-咖啡机。

不是免费的哦，条件是要在指定活动日期内花费至少 RM4000 。

当然我们夫妻俩并不是那种挥霍无度的人。原因是刚巧在活动期间我们在装修新居，所以几乎所有费用我们都用信用卡付账。当然如果使用信用卡需要2%服务费的话，那么我们就选择现金支付。

用信用卡的另外一个好处是-还有额外0.5% cash rebate。

除了这个咖啡机之外，我们还在等待另外一个 Philio Micro Music System 小音响，等收到了再来分享。

Ps: 其实这两样赠品我应该也是用不着，所以打算套现，把资金投进股市。

浪费时间

有时候真的是非常 "dulan" 有些团体机构。明明举办的活动已经落后节目表一大截了，但还是不急不徐的进行活动。至少稍微加快活动进行的步伐也好。

可怜了我们这些被迫参与活动的参赛者，已经牺牲私人时间参与了，结果还要赔上大部分的时间在等待之中。

也不想想并不是所有人都有这么多空闲时间可以浪费，大家也是有自己的东西要处理。

真的是xxx...

摆乌龙！

忘了今天是deepavali，刚才跟往常一样登入我的 itrade 户口，想看看开市状况。

浏览了一下就觉得奇怪，怎么今天的股市没有动静。过后才知道原来今天是屠妖节。

会摆这乌龙是因为屠妖节在砂拉越并不是公共假期，今天我们还是照常上班。
不过还是祝大家假期快乐！

可是，没有股市的日子是有些无聊的。。。哈哈！

IOS app - iTrade@CIMB

现在科技越来越发达，几乎人手一机，尤其是智能手机。那么到底智能手机能不能发挥它应有的价值呢？还是大家只为了面子而跟风呢？

对我来说，如果你有了智能手机，你就要尽量发掘它给予的功能和方便。

就好像现在我用着的 IPOD 4G 的IOS Platform，我就非常喜欢用 iTrade@CIMB 的 IOS application。

因为工作关系我不能时时刻刻盯着电脑，所以这个application 就能让我随时随地知道股市走向。

不要看它只是一个application，它可是麻雀虽小五脏俱全！现在我几乎都用它来查看股市和进行买卖。

个股资料

 买卖情况

个股新闻

个股走势图表

可以制造自己的 watchlist。

可以查看马股走向。

运动伤害

当年纪越大了，过于频繁的运动可能会造成运动伤害。

虽然我才30岁，不过已经可以感觉到过于频繁的羽毛球运动让我的膝盖负荷不了。

现在每周打羽毛球的次数大概在于2-3次之间，每次两个钟头。不过最近我的膝盖偶尔会有不舒服的感觉，以至于现在我在运动时都会戴上护膝，减少伤害。

不过最近我的体重也开始直线上升到75公斤，可能这样的体重对我的膝盖也是一种负担吧。。。

看来要去药剂店去买 Glucosamine 来补一补我那可怜的膝盖了。

买卖纪录：购入TA ANN 500 units

会选择购入这公司的股份是因为认为它是个好公司。有许多朋友是在这公司上班的，从他们口中得知公司对他们非常不错、福利也好。

从现有的股价看来虽然还是略显贵了些许，而且大部分投银给于少过 RM3.80 的目标价。不过反正我是买来长期持有，所以将会逢低加码。

还有个原因是：这公司总部设在砂拉越诗巫，我的家乡，而且非常靠近我家。由于踏入股市至今还未出席过股东大会，因此在来临的股东大会我应该会出席，见见世面。

天气异常

最近的天气和马股一样诡异到让人无法捉摸，一下阳光普照，一下狂风暴雨。

不过，比起大晴天，我更喜欢下雨天阴凉的日子，就比如我喜欢在熊市捡便宜一样。

犹想起去年的日本北海道之旅，那里冰冷的天气竟不会令我退缩，反而爱上那里的气候。我想有生之年一定还要再拜访北海道一次。

还有今天看见报纸报道中国北方大部地区迎入秋来最强寒潮，雨雪降温结伴至，再加上美国的Sandy飓风、雪柔各州水灾，觉得我们居住的地球真的生病了！

人类真应该好好反省，该如何好好对待地球啊。。。

懒散。。。

最近不知为什么，总提不起劲来写些文章，日子过得有点懒散。。。

之前还没搬家前还会时常阅读投资书籍、研究财报等。

搬了家后，生活习惯起了变化，人反倒变得懒散。

虽然没阅读投资书籍、研究财报，不过留意财经新闻还是有的。

踏入11月，2012年就要过完了，要努力把剩下还没看完的书籍啃完，还有从新开始研究财报，尤其是自己已经拥有的公司。

加油。。。。

A story about a doctor when he was pinnacle...

在 FB 看到一篇令人深思的文章。。。非常值得分享。。。

A story about a doctor when he was pinnacle
Below is the transcript of the talk of Dr. Richard Teo, who is a 40-year-old millionaire and cosmetic surgeon with a stage-4 lung cancer but selflessly came to share with the D1 class his life experience on 19-Jan-2012. He has just passed away few days ago on 18 October 2012.

Hi good morning to all of you. My voice is a bit hoarse, so please bear

with me. I thought I'll just introduce myself. My name is Richard, I'm a medical doctor. And I thought I'll just share some thoughts of my life. It's my pleasure to be invited by prof. Hopefully, it can get you thinking about how... as you pursue this.. embarking on your training to become dental surgeons, to think about other things as well.

Since young, I am a typical product of today's society. Relatively successful product that society requires.. From young, I came from a below average family. I was told by the media... and people around me that happiness is about success. And that success is about being wealthy. With this mind-set, I've always be extremely competitive, since I was young.

Not only do I need to go to the top school, I need to have success in all fields. Uniform groups, track, everything. I needed to get trophies, needed to be successful, I needed to have colours award, national colours award, everything. So I was highly competitive since young. I went on to medical school, graduated as a doctor. Some of you may know that within the medical faculty, ophthalmology is one of the most highly sought after specialities. So I went after that as well. I was given a traineeship in ophthalmology, I was also given a research scholarship by NUS to develop lasers to treat the eye.

So in the process, I was given 2 patents, one for the medical devices, and another for the lasers. And you know what, all this academic achievements did not bring me any wealth. So once I completed my bond with MOH, I decided that this is taking too long, the training in eye surgery is just taking too long. And there's lots of money to be made in the private sector. If you're aware, in the last few years, there is this rise in aesthetic medicine. Tons of money to be made there. So I decided, well, enough of staying in institution, it's time to leave. So I quit my training halfway and I went on to set up my aesthetic clinic... in town, together with a day surgery centre.

You know the irony is that people do not make heroes out average GP (general practitioner), family physicians. They don't. They make heroes out of people who are rich and famous. People who are not happy to pay $20 to see a GP, the same person have no qualms paying ten thousand dollars for a liposuction, 15 thousand dollars for a breast augmentation, and so on and so forth. So it's a no brainer isn't? Why do you want to be a gp? Become an aesthetic physician. So instead of healing the sick and ill, I decided that I'll become a glorified beautician. So, business was good, very good. It started off with waiting of one week, then became 3weeks, then one month, then 2 months, then 3 months. I was overwhelmed; there were just too many patients. Vanities are fantastic business. I employed one doctor, the second doctor, the 3rd doctor, the 4th doctor. And within the 1st year, we're already raking in millions. Just the 1st year. But never is enough because I was so obsessed with it. I started to expand into Indonesia to get all the rich Indonesian tai-tais who wouldn't blink an eye to have a procedure done. So life was really good.

So what do I do with the spare cash. How do I spend my weekends? Typically, I'll have car club gatherings. I take out my track car, with spare cash I got myself a track car. We have car club gatherings. We'll go up to Sepang in Malaysia. We'll go for car racing. And it was my life. With other spare cash, what do i do? I get myself a Ferrari. At that time, the 458 wasn't out, it's just a spider convertible, 430. This is a friend of mine, a schoolmate who is a forex trader, a banker. So he got a red one, he was wanting all along a red one, I was getting the silver one.

So what do I do after getting a car? It's time to buy a house, to build our own bungalows. So we go around looking for a land to build our own bungalows, we went around hunting. So how do i live my life? Well, we all think we have to mix around with the rich and famous. This is one of the Miss Universe. So we hang around with the beautiful, rich and famous. This by the way is an internet founder. So this is how we spend our lives, with dining and all the restaurants and Michelin Chefs you know.

So I reach a point in life that I got everything for my life. I was at the pinnacle of my career and all. That's me one year ago in the gym and I thought I was like, having everything under control and reaching the pinnacle.

Well, I was wrong. I didn't have everything under control. About last year March, I started to develop backache in the middle of nowhere. I thought maybe it was all the heavy squats I was doing. So I went to SGH, saw my classmate to do an MRI, to make sure it's not a slipped disc or anything. And that evening, he called me up and said that we found bone marrow replacement in your spine. I said, sorry what does that mean? I mean I know what it means, but I couldn't accept that. I was like “Are you serious?” I was still running around going to the gym you know. But we had more scans the next day, PET scans - positrons emission scans, they found that actually I have stage 4 terminal lung cancer. I was like "Whoa where did that come from?” It has already spread to the brain, the spine, the liver and the adrenals. And you know one moment I was there, totally thinking that I have everything under control, thinking that I've reached the pinnacle of my life. But the next moment, I have just lost it.

This is a CT scan of the lungs itself. If you look at it, every single dot there is a tumour. We call this miliaries tumour. And in fact, I have tens of thousands of them in the lungs. So, I was told that even with chemotherapy, that I'll have about 3-4months at most. Did my life come crushing on, of course it did, who wouldn't? I went into depression, of course, severe depression and I thought I had everything.

See the irony is that all these things that I have, the success, the trophies, my cars, my house and all. I thought that brought me happiness. But i was feeling really down, having severe depression. Having all these thoughts of my possessions, they brought me no joy. The thought of... You know, I can hug my Ferrari to sleep, no... No, it is not going to happen. It brought not a single comfort during my last ten months. And I thought they were, but they were not true happiness. But it wasn't. What really brought me joy in the last ten months was interaction with people, my loved ones, friends, people who genuinely care about me, they laugh and cry with me, and they are able to identify the pain and suffering I was going through. That brought joy to me, happiness. None of the things I have, all the possessions, and I thought those were supposed to bring me happiness. But it didn't, because if it did, I would have felt happy think about it, when I was feeling most down..

You know the classical Chinese New Year that is coming up. In the past, what do I do? Well, I will usually drive my flashy car to do my rounds, visit my relatives, to show it off to my friends. And I thought that was joy, you know. I thought that was really joy. But do you really think that my relatives and friends, whom some of them have difficulty trying to make ends meet, that will truly share the joy with me? Seeing me driving my flashy car and showing off to them? No, no way. They won’t be sharing joy with me. They were having problems trying to make ends meet, taking public transport. In fact i think, what I have done is more like you know, making them envious, jealous of all I have. In fact, sometimes even hatred.

Those are what we call objects of envy. I have them, I show them off to them and I feel it can fill my own pride and ego. That didn't bring any joy to these people, to my friends and relatives, and I thought they were real joy.

Well, let me just share another story with you. You know when I was about your age, I stayed in king Edward VII hall. I had this friend whom I thought was strange. Her name is Jennifer, we're still good friends. And as I walk along the path, she would, if she sees a snail, she would actually pick up the snail and put it along the grass patch. I was like why do you need to do that? Why dirty your hands? It’s just a snail. The truth is she could feel for the snail. The thought of being crushed to death is real to her, but to me it's just a snail. If you can't get out of the pathway of humans then you deserve to be crushed, it’s part of evolution isn't it? What an irony isn't it?

There I was being trained as a doctor, to be compassionate, to be able to empathise; but I couldn't. As a house officer, I graduated from medical school, posted to the oncology department at NUH. And, every day, every other day I witness death in the cancer department. When I see how they suffered, I see all the pain they went through. I see all the morphine they have to press every few minutes just to relieve their pain. I see them struggling with their oxygen breathing their last breath and all. But it was just a job. When I went to clinic every day, to the wards every day, take blood, give the medication but was the patient real to me? They weren't real to me. It was just a job, I do it, I get out of the ward, I can't wait to get home, I do my own stuff.

Was the pain, was the suffering the patients went through real? No. Of course I know all the medical terms to describe how they feel, all the suffering they went through. But in truth, I did not know how they feel, not until I became a patient. It is until now; I truly understand how they feel. And, if you ask me, would I have been a very different doctor if I were to re-live my life now, I can tell you yes I will. Because I truly understand how the patients feel now. And sometimes, you have to learn it the hard way.

Even as you start just your first year, and you embark this journey to become dental surgeons, let me just challenge you on two fronts.

Inevitably, all of you here will start to go into private practice. You will start to accumulate wealth. I can guarantee you. Just doing an implant can bring you thousands of dollars, it's fantastic money. And actually there is nothing wrong with being successful, with being rich or wealthy, absolutely nothing wrong. The only trouble is that a lot of us like myself couldn't handle it.

Why do I say that? Because when I start to accumulate, the more I have, the more I want. The more I wanted, the more obsessed I became. Like what I showed you earlier on, all I can was basically to get more possessions, to reach the pinnacle of what society did to us, of what society wants us to be. I became so obsessed that nothing else really mattered to me. Patients were just a source of income, and I tried to squeeze every single cent out of these patients.

A lot of times we forget, whom we are supposed to be serving. We become so lost that we serve nobody else but just ourselves. That was what happened to me. Whether it is in the medical, the dental fraternity, I can tell you, right now in the private practice, sometimes we just advise patients on treatment that is not indicated. Grey areas. And even though it is not necessary, we kind of advocate it. Even at this point, I know who are my friends and who genuinely cared for me and who are the ones who try to make money out of me by selling me "hope". We kind of lose our moral compass along the way. Because we just want to make money.

Worse, I can tell you, over the last few years, we bad mouth our fellow colleagues, our fellow competitors in the industry. We have no qualms about it. So if we can put them down to give ourselves an advantage, we do it. And that's what happening right now, medical, dental everywhere. My challenge to you is not to lose that moral compass. I learnt it the hard way, I hope you don't ever have to do it.

Secondly, a lot of us will start to get numb to our patients as we start to practise. Whether is it government hospitals, private practice, I can tell you when I was in the hospital, with stacks of patient folders, I can't wait to get rid of those folders as soon as possible; I can't wait to get patients out of my consultation room as soon as possible because there is just so many, and that's a reality. Because it becomes a job, a very routine job. And this is just part of it. Do I truly know how the patient feels back then? No, I don't. The fears and anxiety and all, do I truly understand what they are going through? I don't, not until when this happens to me and I think that is one of the biggest flaws in our system.

We’re being trained to be healthcare providers, professional, and all and yet we don't know how exactly they feel. I'm not asking you to get involved emotionally, I don't think that is professional but do we actually make a real effort to understand their pain and all? Most of us won’t, alright, I can assure you. So don't lose it, my challenge to you is to always be able to put yourself in your patient's shoes.

Because the pain, the anxiety, the fear are very real even though it's not real to you, it's real to them. So don't lose it and you know, right now I'm in the midst of my 5th cycle of my chemotherapy. I can tell you it’s a terrible feeling. Chemotherapy is one of those things that you don't wish even your enemies to go through because it's just suffering, lousy feeling, throwing out, you don't even know if you can retain your meals or not. Terrible feeling! And even with whatever little energy now I have, I try to reach out to other cancer patients because I truly understand what pain and suffering is like. But it's kind of little too late and too little.

You guys have a bright future ahead of you with all the resource and energy, so I’m going to challenge you to go beyond your immediate patients. To understand that there are people out there who are truly in pain, truly in hardship. Don’t get the idea that only poor people suffer. It is not true. A lot of these poor people do not have much in the first place, they are easily contented. for all you know they are happier than you and me but there are out there, people who are suffering mentally, physically, hardship, emotionally, financially and so on and so forth, and they are real. We choose to ignore them or we just don't want to know that they exist.

So do think about it alright, even as you go on to become professionals and dental surgeons and all. That you can reach out to these people who are in need. Whatever you do can make a large difference to them. I'm now at the receiving end so I know how it feels, someone who genuinely care for you, encourage and all. It makes a lot of difference to me. That’s what happens after treatment. I had a treatment recently, but I’ll leave this for another day. A lot of things happened along the way, that's why I am still able to talk to you today.

I'll just end of with this quote here, it's from this book called Tuesdays with Morris, and some of you may have read it. Everyone knows that they are going to die; every one of us knows that. The truth is, none of us believe it because if we did, we will do things differently. When I faced death, when I had to, I stripped myself off all stuff totally and I focused only on what is essential. The irony is that a lot of times, only when we learn how to die then we learn how to live. I know it sounds very morbid for this morning but it's the truth, this is what I’m going through.

Don’t let society tell you how to live. Don’t let the media tell you what you're supposed to do. Those things happened to me. And I led this life thinking that these are going to bring me happiness. I hope that you will think about it and decide for yourself how you want to live your own life. Not according to what other people tell you to do, and you have to decide whether you want to serve yourself, whether you are going to make a difference in somebody else's life. Because true happiness doesn't come from serving yourself. I thought it was but it didn't turn out that way.

Also most importantly, I think true joy comes from knowing God. Not knowing about God – I mean, you can read the bible and know about God – but knowing God personally; getting a relationship with God. I think that’s the most important. That’s what I’ve learnt.

So if I were to sum it up, I’d say that the earlier we sort out the priorities in our lives, the better it is. Don’t be like me – I had no other way. I had to learn it through the hard way. I had to come back to God to thank Him for this opportunity because I’ve had 3 major accidents in my past – car accidents. You know, these sports car accidents – I was always speeding , but somehow I always came out alive, even with the car almost being overturned. And I wouldn’t have had a chance. Who knows, I don’t know where else I’d be going to! Even though I was baptised it was just a show, but the fact that this has happened, it gave me a chance to come back to God.

Few things I’d learnt though:
1. Trust in the Lord your God with all your heart – this is so important.
2. Is to love and serve others, not just ourselves.

There is nothing wrong with being rich or wealthy. I think it’s absolutely alright, cos God has blessed. So many people are blessed with good wealth, but the trouble is I think a lot of us can’t handle it. The more we have, the more we want. I’ve gone through it, the deeper the hole we dig, the more we get sucked into it, so much so that we worship wealth and lose focus. Instead of worshipping God, we worship wealth. It’s just a human instinct. It’s just so difficult to get out of it.

We are all professionals, and when we go into private practise, we start to build up our wealth – inevitably. So my thought are, when you start to build up wealth and when the opportunity comes, do remember that all these things don’t belong to us. We don’t really own it nor have rights to this wealth. It’s actually God’s gift to us. Remember that it’s more important to further His Kingdom rather than to further ourselves.

Anyway I think that I’ve gone through it, and I know that wealth without God is empty. It is more important that you fill up the wealth, as you build it up subsequently, as professionals and all, you need to fill it up with the wealth of God.