Journal!!

I've improved myself a lot in the course of two months because of Chris Huang, who has been working for years in financial field. The job he is currently doing now is what I am learning and expecting to do in my life. Before meeting him up, I've reading companies' financial reports as to what actual profitability they are making. I was trying to check the degree of their financial leverage and interest coverage ratio, since I was interested in investing in their bonds. Although I've received a lot of recognition data, I am not able to make a decision because of experiences needed. I was focusing too much on so-called capitalization in financial report because it could be the major factor for corps to reduce their expenses purposely. Or, I was focusing too much on the revenue generated by employees, or the capital expenditures spent during a year. Indeed, these are important information that should be carefully examined by analysis. Still, I can't make a conclusion after collecting them. Now, because of Chris Huang, I've come to a little knowledge of evaluating and quantifying the information. Then, I analyze the effect of macro factors by using the industry ratio. After macro analysis, I check companies' competitors, supply chain, management and retails, which I call it micro analysis. At the end, I apply industry average PE ratio to its price, and then making sure if companies are on the track generating profit with stable expansion. If it is, the stock price may be positively effected later time when quarterly reports issued up. 

I've still gotten a lot to learn. Have to be much more stronger and better off in my financial knowledge, in order to fuck my competitors up and to show my competitive advantage. 

Journal

I've come to a conclusion that people will never ever be loved if they don't love themselves. Some people who believe in showing their love to everyone think that is the best for our society. I was confused of this ideology over two months. But now, I gradually get understanding of it. Of course, we have to give our love before we get love from others, but we have to know if it is worth for. It is not about the money. It is just about the love whom I wanna give to. I can't help everyone, but I can't help the one I wanna help.

Recently, I've been through a real story that just happened to me. My friend and I were sitting and having our dinner in the Mos Burger. After 35 minutes, a homeless came in the store and sit next to our table. I didn't think that is a big deal to me. Everyone has his/her right to come to Mos Burger and have a seat. However, my friend, who speaks love everyday, resisted sitting over and like to move. It is fine to move to another table, but it is unnecessary to act out. That is why now I start to dislike the person who only speaks in a sage-like.

Journal!

I've realized that I am just like an orphan in financial market. The knowledge that I learn from the school is just like a shit to those who have already been working in financial fields. I confess that I am kind of looking down on some, who are currently studying at college in Taiwan or already graduated, since most of them know nothing about the finance. Ironically, when I talked to experienced employees, they had same thoughts, thinking about who the fuck this guy is, stop trying to be professional here, that is kind of stupid to talk to. I swear that I get same idea when I talk to those who are actually specialized in nowhere. Hence, from now on, I will keep myself humble and stay foolish on everything, as Steve Jobs said in Stanford University.

I went to Kaohsiung with my cousin last weekend and visited some places which are meaningful to those who are generally old. The small decayed buildings are currently vacant and are waited to demolish by Government. My uncle said that was the places they had lived in their childhood. I've seen many paintings on the wall, which are just by an old man. Thereafter, it becomes a landscape in Kaohsiung even though it will be demolished soon. Wish that would not happen soon. All in all, this is an amazing trip and gets me exhausted.

Journal!!!

Last Saturday, I went to 秘密基地 for Taipei city night view with my best friend. We had talked for a long time. Surprisingly, we both mentioned about the development of Taipei City in recent years and a ridiculous increase house prices. We worried that would ultimately cause financial market crash if house price started to fall. Compared to 5 years ago, current average house prices are almost quintuple higher. if a house is sold at $1,000,000 in five years ago, it can be sold approximately at $5,000,000 now. The reason is that our banks are only required 10% downpayment, a 90% LTV with an offered interest rate lower than 2%. For example, if we bought a $10,000,000 property, we have to pay $1,000,000 first and interest payment of $33,265.75 per month in 5 years.  After 5 years, it is sold at $50,000,000. By paying off residuals, we made up approximately at $40,000,000 profits. Well, consider interest payment, greater present value and inflation factors, investors have to pay in the total amount of principle, interest, and inflation approximately at $2,333,557.65. The total approximately profit is $37,666,442.35 and 3766.62%!!!!!!!!!!! That is why house market kept growing up persistently in recent years because almost everyone speculate house market. They know the they can't make this greater amount of profit just by work. For example, optimistically, high-tech engineers can earn $2,000,000 per year and beat market industry with an interest rate of 8% annually and effective rate of 8.3%, he has to spent 11.8 years without any living expenses to make $37,666,442.35.

So, I believe in a crashing house market soon or later if the situation isn't regulated or controlled by our Government. 

Journal!

Great! I met a girl, who is just right to me. I start to talk with and ask her out. And, then we had a dinner together. Everything looked fantastic. However, when she mentioned her constellations, I was out of mind. I just found out why I was crushing on her, cuz her reaction and talking are similar to yours. "Fking stupid" said to myself when I got home. I should have forgotten you supposedly, but why the girls I was aroused are always like you. So weird!

I was asked to write a "Recommendation Letter" for one resigning teacher, who worked at Shuang Feng Elementary School last year. He is currently looking for a job in California, USA. Fortunately, Cathay Bank is interested in and asked for a recommendation letter and a job reference. Since my boss didn't know what to write, she asked me and another teacher to do it. I was like, "What! Seriously, does a teller position request those things?" You must be kidding me." But, I had no choice cuz I am doing my education military service. I started to write and finished it within 3 hours. I am not sure if this could be a significant resource for him. Hopefully, a "Yes" could be given to even though I wrote something funny at the last question. Let's see what the result is. !!!

Journal!

I just finished an amazing workshop, which is held by Education Department, only for English alternative military. This is a 3-days and 2-nights workshop at 櫻花渡假村 in Ping tong, arranged by 崇文國小. It is good for me to meet up other 116ts again. I had talked a lot and shared my unique experience with others. Honestly, I feel shamed after talking with them since I heard that they had done many meaningful things for their schools and students. They said that they were busy on co-teaching with foreign teachers. Unlike them, I only do remedial teaching and only prepare games for students in class, cuz I don't want them to pissed me off in class, such as bad performance on prepared test. Or, I am just lazy and tired of devote myself teaching them.  I don't know. When I was taking workshop in Chenchien lake, I had a lot of ideas for my students. But, once I got in the school, they were gone. I couldn't have my passion anymore. I don't know how long it takes to get it back. Maybe, I am a selfish person, who only focus on his own, such as studying in financial knowledge. I am far away from my students and never try to listen to them with an expectation of what they should know or do everything. That is why I felt shameful after hearing from other 116ts' experiences. I wish I could have done many things, too.

Where is my passion for my students? In fact, I have much passion for financial knowledge. How could I turn it into my students? it is kind of difficult for me tho.

Btw, one year ago, I can write a 600-words essay in 30 minutes, but now I can't even write a journal. WTF.

Journal

In the course of three months, I have done nothing. There isn't anything I have gotten, but my attitude changed. In the past, I rushed and pushed myself to get what I am longing for. Now, I kicked myself out of target, slowing down myself and putting me in a position without uncertainty. I live in routinely schedule and lose in a steady path. Life is boring, but has no ways to change. Pursuant to law, I have to. So, I have done nothing. Surprisingly, I can smile and get greater motivation in this fucking shit. I don't feel hatred of this shit. Indeed, it is a shit if nothing I can physically get. I can only take shits from everyone in daily life. But, sometimes taking shits encourages me, especially for an immovable shit. Take and eat it, that is the only way.
Despite the fact that I have gotten nothing, I would like to say I strength my mentality that I wasn't paying attention before. I've thought that I could be successful as long as I devote myself learning knowledge. In fact, the most powerful knowledge is mentality. Look back to 1960s, people lived in a tougher situation. Look now, we have a much better living standard than before, but we sucks. We lose our intrinsic value in a great pace of development. We lose our mentality while obtaining physical modern masterpiece. I think I have already found a way to learn what perseverance is.