Dear all,

Life is all about how you react to it. I was here in i3 since 31^th Aug 2016 and in not so long period of about 2 year plus Bursa have turned from Bull to Bear market. Many people in i3 have penned their thoughts and opinions either in their blog or in the blog comment and each of them react differently to a similar situation.

• Some react negatively and keep bemoaning no end.
• Some panic sell or another round of margin call forced sell.
• Some see daily volatility of share price as opportunity to do day/contra trading.
• Some once eaten by shark, twice shy of ten years.
• Some busy with e-meeting on sell down, cut loss and new low.
• Some fall in love with a particular stock and thus unable to control themselves but posting their comments non-stop.
• One has been unmasked as fake accountant, double head serpent, an ugly small fly but still has the audacity to talk 3, talk 4 and talk cock in i3.
• Some gone into stealth mode and happily bargain hunting.
• Some stay on sideline waiting for head wind/storm to blow over and clearer picture to emerge before re-enter the market again.
• Some react positively and see the value emerging from the beat down price.

Whatever your reaction are, I wish all did not allow the Bear Market to affect your health or relationship with your love one. Thus I would like to share a joke/story told by my boss during company 40th anniversary celebration with all.

There was this marriage couple of many years. The husband is a little bit shy person and man of few words. One night the wife after holding back for so many years her feeling of unappreciated finally told her husband, “My dear husband I had married you for so many years and you had never say any words to praise me. Tonight no matter what, you had to say something nice to me otherwise you will spend the night on the couch.” The husband after thinking for a while and said to his wife, “Simple, my dear wife you are A, B, C, D, E, F, G, H, I, J, K.” The wife was confused and asks the husband, “What am I just alphabets to you?” The husband explained, “My dear wife, A you are Attractive, B you are Beautiful, C you are Charming, D you are Delightful, E you are Elegant, F you are Foxy, G you are Gorgeous and H you are Hot.” the wife was move to tear and hugged her husband and say, “My dear husband it is so sweet of you to say so, you are so romantic.” The wife then remembers there are still I, J, K and asked the husband, “What is I, J, K?” The husband cheekily replied, “I Just Kidding.” The wife was so angry and kicks the husband out of the bedroom. The poor husband had to spend the night sleeping on the couch.

Joke apart, (This poor husband really needs to learn when to stop while he is still winning and never push his luck too far) the moral of the story: Never take things for granted and everybody needs a little praise. So have you praise anyone lately? I cannot remember when the last time I praise my wife.

I remember another joke email to me some year ago:

• A woman marries a man and hoping/expecting that he will/can change.
• A man marries a woman and hoping/expecting that she won’t/never change.
• Both will be disappointed after their marriage because man can never change, he will still keep hanging out with his buddies watching football in his favourite watering hole till wee hours of the night. And she is the wife first until she becomes mother and then she will be mother first, wife second and put on the extra pounds and the nagging.

To my dear wife I know that this day we had drifted apart because of my overseas work commitment and the pressure you must have been facing raising the children’s without me beside you and helping you, I am sorry. Age had added a little wrinkle on your face, a little shade of grey on your dark hair and motherhood have put on a little extra inch on your figure but in my eye you will be forever my Attractive, Beautiful, Charming, Delightful, Elegant, Foxy, Gorgeous, Hot and Sexy sweetheart I married, this is from the bottom of my heart and I am not kidding. You are the love of my life. I will growth old gracefully with you and be with you for better or for worse, for richer or for poorer, in sickness and in health, to love and to cherish, as long as we both shall live, till death do we part. My dear wife I promise you this, when I finally retire from my fulltime job I will take you round the world and make up for the lost time.

Life has been hard on me with constant struggle in overcoming difficulties and new challenges but at this point of my life, I am grateful and counting my blessing that with the many helping hands extended to me by many helpful people I can truly say that life turned out well and fine for me. Life is not perfect but I am contented and happy as I have a nice Semi-D house in Setia Eco Park (a gated and guarded enclave with great scenery where I can enjoy jogging along the many waterways, lakes, creeks, landscape themed parks and lush walkways that dotted the enclave), a good job that paid well, wife that take good care of the children, children that excelled in study (My elder son now working as robot-machine service engineer, second son as pharmacist with Singapore hospital and my daughter first year in Sunway university) and I am debt free with $$ in FD.

Here, I am not trying to give any advice to those who have lost their hard-earned savings investing in stock market nor telling anyone how to react to market sell down. I am in fact looking with great pain at some of my portfolio turning from paper gain to paper losses and trying to find comfort in the chaos in i3. I was impressed with this young man Jon Choivo’s optimistic and self confident;

“Wow, value is emerging. Well let’s hope it gets worse. I want more value for my money! I’m 100% in for my portfolio. Haha I don’t mind if prices go down even more. Just stay down at least until my bonus out. After bonus want to go lower also ok, just don’t go up before next month salary out hahah.
I’m applying for margin, but only 30% of portfolio value. It may clear by end of this month.”

I will apply the same strategy of picking up basketful of beaten down value stocks with my monthly salary and year-end bonus. I will only use my FD unless and until I can collect some of Jon Choivo’s margin call forced sell RCECAP at 70 cents or TIMECOM at RM 4.50 hahah.

https://klse.i3investor.com/blogs/kianweiaritcles/179659.jsp

Just a gentle reminder on the value of money:

• 錢，只有花掉的那部分才是真正屬於你的財富
• 就算家財萬貫，生時捨不得吃、捨不得穿，倆眼一閉，剩下的錢你知道誰花了？冤不冤？這世上最痛苦的事，就是人走了，錢沒花完。

English translation:

• Money, only the part that is spent is the wealth that truly belongs to you.
• Even if you have plenty of money and if you are so stingy to spend it on yourself then when you pass away do you know how the rest of your money will be enjoyed or wasted away by whom? Isn’t that injustice to you? So my friend the most unfair and pitiful thing in the world is leaving this world without spending and enjoying life with your hard earned money.

So I just spend some of my money or should I say my children’s future money to pamper my wife with a brand new BMW 530e.

Thank you

PS: An article from Baba Mail recommended read from Mr. Koon. The Benefits of Being Grateful

They say that a little gratitude goes a long way, but not many people are aware of just how beneficial being grateful is for both your emotional and mental health and even for your physical health. Below, we've listed the ten most beneficial things that can come from living a grateful life.

1. It gives you a more positive outlook

Being grateful can make you a far more positive and optimistic person. According to a study from the University of Miami, people who wrote down things they were thankful for were proven to have a more optimistic outlook on life, while those who only wrote down negative or neutral things were significantly less optimistic.

2. It makes you and others more productive

When working somewhere that they feel appreciated, employees have been found to work around 50% harder than when they feel that they are being taken for granted.

3. It strengthens your relationships

All any wife or husband wants is to feel that everything they do, even the tiniest act of kindness, doesn't go unnoticed. By thanking your partner for the things they do for you, you will be able to ensure that your marriage remains healthy and happy, ensuring high levels of satisfaction all round.

4. It improves your sleep

When you doubt yourself or have negative thoughts, you might often find that it is hard to get to sleep. This is why it should come as no surprise that focusing on the positives in your life will have a positive impact on the quality of your sleep. Simply jot down a list of things you're thankful for before you hit the sack, and get ready to experience a good night's sleep.

5. It helps you love yourself

Nowadays, people have a major tendency to compare themselves to others in every way possible. However, a grateful person will drastically reduce the harmful effects that making such comparisons can have. In fact, a study from Indonesia's Bina Nusantara University proved that grateful people are more satisfied with their own lives and make fewer comparisons to others than ungrateful people do.

6. It helps you make friends

Researchers from the University of New South Wales have found that people are more likely to want to become friends with you if you thank them for something. This is because expressing gratitude is “a valuable signal that you are someone with whom a high-quality relationship could be formed,” according to study author Lisa Williams.

7. It helps you cope with trauma

A number of different studies have proved that gratitude can help you overcome psychological trauma far more easily. Scientists believe that persons who regularly express their gratitude will suffer a lot less from conditions such as PTSD (post-traumatic stress disorder) since they will be able to focus less on the traumatic events themselves.

8. It makes you less materialistic

If you find yourself pursuing money and possessions over your well-being and relationships, then you could be heading down a very dark and slippery path. Luckily, adding a bit of gratitude into the mix can help turn your life around by making you more positive and willing to appreciate what you have instead of yearning for what you want.

9. It boosts your willpower

In order to successfully resist temptation, you need to start by being grateful. This is because gratefulness and patience go hand in hand, which helps to explain why grateful people are a lot more patient in social situations, avoid impulse buying, and are able to curb cravings to a greater extent.

10. It gives you a healthy heart

According to a paper published in Spirituality in Clinical Practice, a grateful heart is a healthy heart. The researchers found that higher levels of gratitude resulted in lower levels of cardiac inflammation, and were also able to produce healthier heart rhythms in patients with heart failure.