How Tze 浩知

While still wondering around for a new tech toy, considering among Apple's iPad 2, Samsung's Galaxy Tab 2, and HTC Flyer, I sent a mail to a kind friend asking for comment, and to my surprise, he returned with quite a professional point of view and thoughtful suggestions. I would like to dedicate this post to his kind attention and valuable time spent in reply. Besides, it's a solid proof to part of our previous discussion in a dinner that sometimes, you don't really have to crack your head for content. :) This is the content of the email I sent him: ------------------------------------------- Dear Richard, I saw this promotion by Maxis on HTC Flyer package, where they selling 2,499 with 24 months rebate and told the prospects at the end of 2 years the device cost only 159. Yet, I think it is tricky and not worth the money paid, as can get iPad2 at 1899 with data package 70 only, and HTC Flyer seems a bit bulky when compared to Galaxy Tab, even though both on 7...

Political debate continues to swirl around various types of energy technologies. The dollar ship continues to sink while the Fed adds holes to the hull. Public debt in Europe and the EU continues to mount, putting pressure on both pension funds and traditional safe havens like bonds.The middle class continues to erode. Staying above water can be difficult enough in this environment, let alone trying to turn a respectable profit... I talk to and know a lot of people in that very situation. Some of them are bogged down by circumstances outside their control, but most simply don't know how to manage money or make a winning investment. Even worse, they don't know how policy, politics, and world markets affect them, their livelihoods, and their investments. The first step to financial freedom is knowing what's going on around you at any given time. Right now, we're dealing with high prices for goods because of currency issues and inflation. Understanding what that mean...

Terrorism should be viewed as a form of social cancer where an understanding of the root causes is necessary. Many of the terrorists who volunteer to be suicide bombers are intelligent and educated middle-class youths. The civilised world must wake up and understand why these people resort to such drastic action. It must be due to the perceived gross injustices and poverty prevalent in many countries and regions. One important issue to resolve would be the historic and present suffering of and the injustices inflicted on the Palestinian people. This case has often been used by these terrorists to justify their actions. Once this issue is resolved satisfactorily and fairly, it would also make it much more difficult for the leaders of Al Qaeda or other similar organisations to use it as a rallying call to recruit young people to carry out terrorist activities. Like fighting any disease, if you remove the root causes rather than just deal with the symptoms, the world should be able so...

Keep your business ahead of the digital curve. Tablets are on the verge of revolutionizing how people browse the web. To the winner(s) goes a ton of money. The question is, where will you be in the food chain? Where are you when the wave is coming? Are you surfing up the challenges or simply watching at the seaside? Tablet Wars Heating Up, Sales May Jump to 215m in 2015 ~ May 31, 2011 Bloomberg recently quoted an analyst from Sanford Bernstein who expects tablet sales to jump from 17m in 2010, to 215m in 2015. That would be a 1,370% increase. Apple's in the lead. Google's coming up in second, and is about to unveil an army of tablets from manufacturers such as Samsung, Motorola, and HTC. Microsoft is about to limp into the race with its new Windows tablet OS. Competition from new entrants will cut Apple’s share of the tablet market to 50 percent next year, iSuppli Corp. said on April 21, from almost 100 percent when the Cupertino, California-based company began selling...

THERE are times when it is absolutely necessary to take a leap of faith and go with one’s instincts, even against logic. This is not to encourage life-threatening or brash behaviour: go with your instincts, but please – temper decisions with common sense. Surrounding you, chances are there are drones carrying out routines instead of living. This is a part of what defines our wonderful, startling humanity – maturing past a phase and arriving at that point when one must leap forward into the unknown, or stop learning. You should just take that leap and somehow, the universe will support you. I have believed since, that one’s instinct is God’s way of talking to you. I think that all of us discovered this in our own way. It has been said: when you set out to save a life, sometimes the life you end up saving is your own. By Petra Gimbad There is so much work to be done right now and the question is not "Who am I to do this work?", but "Who am I not to do this work?...

The reason 95% of businesses fail - in good times or in bad - isn’t because of products, services, hard work or what’s happening outside. It’s because of what’s happening on the inside of the Business… the biggest of which is not knowing how to SELL… and the toughest sell of all is the six inches between your ears…your “Little Voice.” The economy is posing challenges for many people with taxes going up, inflation going up and income going down. You can accept this as a reason to expect less in your life for the next few years, or, you can choose to make money no matter what economy you're currently in. Only the people with the right skills will be able to truly succeed in our current economic environment. Sales solve all problems. learn how to… - Increase your sales and your income immediately - Build a great team that can sell - Sell anything to anybody in any economy - Handle any objection from anybody, any time, any place - Turn “No’s” into “Yes’s” to increase your c...

All across the world we are seeing signs of economic chaos—rioting, inflation, sovereign debt downgrades and massive volatility in the world's stock markets and commodity prices. These are not the problem, these are only symptoms of the problems that are facing almost every country in the world today. In my opinion, these "symptoms" are likely to get much worse than better in the months ahead. You have the choice as to whether these problems will crush you or make you rich. Because this is a world-wide challenge, it requires an international response. ~ Robert Kiyosaki 200 years of remarkable progress - World-wide Challenge Requiring International Response:

A recent visit to a few websites made me think of putting up this message as a friendly reminder to my dear friends and esteemed colleagues in business. First, take a look at a few websites that gone "out of business" just recently: 1. Faves.com A visit to the site on 24th May 2011 shows that the website is no more in business (at the moment), and you're being redirected to http://blog.faves.com (which seems to be currently hosted on blogspot.com - a free service from Google), with some message like: Faves.com is now offline We pulled the plug on Faves.com today. I want to thank all of our users on this journey - I'm sorry we didn't end up with a viable business after 6 years working on this . We will be auctioning the domain name, faves.com shortly - I'll post here when we have details about the sale. 2. Mr.Wong Social Bookmarking Site Read the message behind the lines: This – and our current page rank of 8 – makes Mister Wong popular w...

Based on balance sheet strength and magnitude required , i) equity issuance ii) debt drawdown iii) sales-and-leaseback (of assets) arrangement

While "The Money Is In The List" - the golden key that most internet guru don't reveal is true to some point, there are more to be done than said. One of the thing you can do to build your list is to run an effective online campaign , offering your site visitor irresistible offers or incentives to sign up your services, you may also rent someone else's list (such as those from http://viralurl.com, or http://inboxtrafficmachine.com) if you are just too lazy to get into the online campaign thing. Let's take a look at a real world example: Win Free GPS online campaign. Case Study: Win Free GPS Online Campaign In this example, the business create values to the prospects or consumers by offering a chance to win the Global Positioning System gadget from the company. They also giving out valuable information related to the gadget through GPS Bay Facebook Fans Page , organizing online activities to keep intact with the community, besides their occasional newslette...

Malaysians last year spent RM1.8 billion shopping online, according to results of an online shopping survey released by PayPal. The payment gateway provider estimates that the market will grow to RM5 billion in 2014. Malaysians for the most part chose to make online retail purchases on local websites to the tune of RM825 million (45 per cent) compared with RM627 million on overseas websites (35 per cent). The remaining RM371 million were made on websites of unknown countries of origin. Most of the online spend was for airline tickets. This accounted for 21 per cent (RM173 million). It was the same overseas, accounting for 11 per cent (RM72 million).  Books came a close second at 10 per cent (RM63 million). An estimated 1.1 million online shoppers in Malaysia spent an average of RM2,461 per person in 2010. Malaysians spent more locally compared with foreign sites; on airline tickets, financial products, health and beauty products, clothing, shoes and accessories. When Malaysi...

This is a complementing article for Comsumption Device, Digital Contents, and Online Campaign A report about media & advertising found on The Edge Financial Daily, May 19, 2011 Well-nurtured creative economy can be source of socio-economic growth, jobs, innovation and trade, says UNDP. Some notes from Creative Economy Report 2010: - Global exports of creative goods and services—ideas and creativity-centred industries such as arts and crafts, audiovisuals, books, design, films, music, new media, visual and performing arts— have more than doubled from 2002 to 2008, reaching nearly US$600 billion. - Despite the 12 percent decline in global commerce in 2008, world trade of creative goods and services continued to expand with an average annual growth rate of 14 percent. - Evidence suggests that even during the global recession, people continued to go to cinemas and museums, listen to music, watch videos and television shows and play video games. Even in times of crisis, cre...

Just posted this thought to my Facebook status, and I guess it's better to note it down here as well, with some additional info: "I don't believe in overnight riches or get rich quick thing (because it took me >10 years to be where I am today), nor do I believe in invest for the long term for a "secured" financial future (because I don't have many 20 or 30 years time frame for the betting). I prefer investments that make sense - assets that brings in positive cash inflow, every month." Throughout the years, I have been searching for the best business model for individuals to start with, where the risk-reward ratio is good (i.e. lower risk, higher return). And the answer to date is: Automated Internet Business . Why? How much does a domain name and hosting will cost you per annum? Very very low, somewhere around MYR630 for a good blog hosting site with SEO domain included. Some would argue even got free hosting such as wordpress.com and blogsp...

Packages ---------------- 1. Personal Blog Hosting, Domain, SEO Customization, Content Management System, Starter Kit (documents) 2. Corporate / Business (exclude PPC and other cost incurred online ads expenses) Consultations ~ Digital Contents Structure ~ Revenue Streams (additional) ~ Internet Marketing Strategy Online Campaign (depend on budget) List Building (system integration) Newsletter (system integration) Sample: Win Free GPS Entry page:  http://winfreegps.com/ Landing / Subscribe page:  http://winfreegps.com/ index1_subscribe.html Log page:  http://winfreegps.com/ updates Facebook:  http://www.facebook. com/pages/GPS-Bay-M-Sdn-Bhd/ 139156776096129 Phase 2:  http://www.citibank.com.my  ( Shell-Citibank credit card promo) ------------------------------ ------------------------------ ------------------------------ ------------------------------ Some additional notes: 1. Bi-lingual notes:  http://howtze.blogspot. com/ 2. Older notes:  h...

The new normal feels anything but normal. Yet, all around us the rules are changing - about how we make a living, how we care for our loved ones and how we can survive and thrive in these interesting times. In the book The Day After The Dollar Crash, you'll find some of Damon's ideas about how to get on the right side of the New World Order that is on the horizon. You'll find: Where to focus for personal growth Suistainable and socially responsible investments moving forward How to profit from the coming social changes It's not just about a falling dollar , or simply inflation and currency devaluation , but a new world order. The Flying McCoy comics below somehow made me connect them up with the above mentioned situation. They may be funny, but I hope you get the message behind. Colonel is Watching... Sorry, it's not that we can't put you back together... it's that the King's Health Care Plan doesn't cover it! Here's a "fi...

When it comes to a falling dollar , what the government is telling these people is that the problem is inflation. What the government does not tell them is that the problem is really devaluation . How so? Take Japan for instance: If the yen increases in value, Japanese exports become too expensive and unemployment increases in Japan.The more dollars Japan buys trying to push the value of the yen down, the more the US will print, trying to make the dollar weaker so that the world will buy US exports. All this does is make life harder for the world’s workers because they work for a currency that the world is trying to make weaker, not stronger. In the money war , nations are devaluing their money because if they don’t devalue their currency, their exports will grow too expensive and unemployment will rise. But devaluing a currency means people suffer because a weak currency causes inflation, which makes life more expensive. So, the choice is do you want a job or do you want infl...

如果一场革命摧毁了一个政府，但是构建这个政府的指导思想的系统性方式仍然完好无损地保留下来，那么这些方式将会重建自身（有关形态将重复）... 对于系统的谈论是如此之多，但是对其理解又是如此之少。这一切的原因，就在于 我们的思考方式界定了我们的世界。 诸如亚里士多德和孔子这样的大师，他们所教授的内容并非某一特定科目，而是包括人类和自然在内的宽广思想。然而，今天的学生却正日益被培养为一群特定领域的专家。 由于我们是所谓的专家，所以思维愈加狭隘和偏颇。我们使用了大量有关我们所生活的世界的模型，事实却是这些模型建立在许多有失偏颇的假设下。(专业人士思考比较狭窄，采用世界的模式，许多假设可能不确实） 在经济学中，最基础的假设是“其他条件都相同的情况下”，而现实往往截然相反。 在错误的假设前提下，理论也必将是错误的。 有关宏观经济的大量理论是不成立的，宏观经济出错也就难以避免。 ---------------------- 反馈环路意味着并不存在简单的线性因果关系（尽管这种简单因果关系存在于大多数经济学模型中），因为在环路中，A导致B，B又引发了A的变化，或者创造出了C。 在《易经》中，这被称之为“一生二，二生三，三生万物”。这种复杂性正是来源于这些非常简单的功能或者过程的逐步演进。 参： 有形无形 ---------------------- 回馈反应的时滞一旦变化，系统便可能在稳定状态或非稳定状态之间摇摆。现今，市场交易速度越来越快，市场变得越来越动荡，我们应该不以为奇了吧？ 换句话说，危机之所以发生，是因为资源有限，而我们消费得太多太快。我们现在也知道，货币和金融衍生品的增速远远高于实体经济活动的发展速度。通胀不是顺其自然就来了吗？ ---------------------- 人类贪婪的本性和有限知识（经济学家称之为有限理性）导致了集体行动的陷阱或者说公地的悲剧。出于自利目的，每个人都竭力消费，地球母亲委实难堪重负。 虽然系统性思考不能解决所有问题，却能帮我们找到如何防止集体行动陷阱的方法。 在致力于避免集体行动陷阱的改革中，我们首先应该找到整个系统的关键支点，在这些关键支点能够牵一发而动全身。我们需要一种大智慧，减缓我们对地球母亲的掠夺。 源自：http://ucwap.caing.com/2011-05-05/1002...

朋友，追风少年追梦，永远不回头。风雨无阻，未来不是梦！

每一個傳播工具都會隨著市場的需求經過一段演變過程，或淘汰或改進，都有其跡可循... An sms received: "Citi has automatically enrolled you in the Win 200 Apple iPad2 contest (2xiPad2 daily). Use RM50 on your card in 1receipt for 1entry.", and A look into recent promotions by companies: One could be sure that the trend for tablets is here. Congrates for those already in digital content industry as content is real king when intellectual property are given more respects and protections. 手機媒體‧另一個期待的市場 科技 新媒體 2009-09-23 幾年前的手機報，雖然仍未見其獨特性和盡用手機媒體的本質，但業者預見手機必掘起成為第5媒體，主要的原因如下： 1.手機是覆蓋人群最廣的一種媒體形式，傳播訊息的速度也很快。 2.手機的傳播成本比較低廉。新的媒體形式應該具有傳播成本低廉的特性，手機就具備這樣的特點。 3.手機可以最方便地把人們的零碎時間利用起來，並且能夠極為快捷地傳播訊息。 4.手機媒體傳播訊息帶有一定的強制性，其他媒體本身不具有強制性，都需要讀者主動去獲得訊息，而一個擁有手機的人不可能總不開手機或者總不隨身攜帶，因此手機可以通過簡訊形式將訊息強制性地傳播給受眾。 手機媒體的內容是以多媒體的形式存在的，具有非常強的互動性 ... 即︰文字、圖片、音頻、視頻等各種媒體形式的內容都能從手機上獲得。 每一種媒體形式都有自己的生存空間，手機媒體不可能代替其他的媒體形式。正如廣播的出現沒有令報紙消失，電視的出現也沒有令廣播消亡，而互聯網也沒有取代所有的傳統媒體一樣，手機也不會使其他媒體失去生存空間，反而是開拓獨立的市場。 http://tech.sinchew-i.com/sc/node/13155...

Creating a sense of privilege in business: The best part? YOU MAY BRING ONE (1) GUEST...

人们之所以这样忙碌，没有足够的时间，真正原因是因为他们没有理解时间与生产力之间的联系，没有明白与他人协作是多么有力的投资。 想一想，你为建立梦想而需要与之联合的任何东西、任何人都已经存在！拥有你在寻找的信息、知识和资源的人，此刻就活生生地存在于这个世界上，你的工作是发现他们，想出与之建立成功伙伴关系的方法。有了正确的梦想，有了正确的团队，每个人都会获得更大的成功。 As our society is witnessing an explosion in non-conventional ways to answer the basic economic question, "How do I make a good living?", The Currency of the Future is the answer to making your life a masterpiece. The next ten years will reveal a tidal-wave of opportunities through technology in home-managed professions. You can watch it happen around you, or use this book and learn how to participate and profit. Whether you develop your own business or not, this book will steer you on a course that will benefit you, your family, and friends. Discover your ability to create income in the new millenium with multiple streams of passive income !

处事，做生意一定要：公公正正、明明白白、清清楚楚、彻彻底底 商场之动，供销两旺。货栈之固，买卖兴隆。 有动有静，进退自如。有赚有赔，财运亨通。 以诚信仁德，开生财之道。以民需民求，测商场风云。 Thanks Mr.Kenn Tan

From: Where greed is good and match-fixing rife (interview by Bob Holmes), The Sun, May 11,2011 With Interpol on the way to Malaysia, we talk to Neil Humphreys, author of Match-Fixer and Premier Leech, two novels about the dark side of the beautiful game. He stopped by in Kuala Lumpur to appear on Astro Supersport 3's Bola@Mamak show and FourFourTwo last month. "I can guarantee," said the source, "that at any one time there are a couple of Malaysians flying around the world with US$100k in their suitcases to pay people to fix matches." 'The source' is one of several that helped Neil Humphreys pen his two football blockbusters. If you love the game but loathe the sleaze, dodgy agents and even dodgier owners, then Premier Leech and Match-fixer are for you. Match Fixer - Neil Humphreys Premier Leech - Neil Humphreys

谨以此篇分享增与有缘人，共勉之！ 当人们问我最近在忙什么的时候，不外乎几个“标准”答案： 1。 报以一个微笑 标准答案 2。 得闲搞下呢样,得闲搞下个样 (Cantonese,广东话) = 有时做做这个项目，有时搞搞那个项目 对同样有看星爷电影的好朋友们的回答。取自《大内密探灵灵发》一幕“皇上”问阿发最近在做什么时的回答。 3。 吃饭、喝茶、练功 对一些可以开开玩笑的朋友说的。取自电影《叶问》里有一幕，任达华问甄子丹：“最近少见？”甄子丹（叶问）答：“比较忙啊！”任达华回应：“又会点忙？也不是吃饭、喝茶、练功...” 之前听过某人的回答：“费事同你讲” ... 也是，他搞商业项目与资本投资的，所涉及领域及资讯之广，非一时三刻说得清楚。或许说，大家在食物链里不同的点找吃吧！ 如果要严肃一点的回答,应该是:网络业务(Internet Business)与投资(Investment)吧! Internet Business * Digital Content * Online Campaign (参: Consumption Device, Digital Contents, and Online Campaign ) Investment * Real Estates * Precious Metal * Fine Wine 诸如亚里士多德和孔子这样的大师，他们所教授的内容并非某一特定科目，而是包括人类和自然在内的宽广思想。(参: 系统的思维 ~ 沈联涛 ) 然而，今天的学生却正日益被培养为一群特定领域的专家。(参: Hijacking the education system ) 其实,即便涉及房地产、科技业务、金融，也可当作好比中学时必须完成多个不同科目的状况去处理而已： 至于要在哪一科做得好，事在人为。 另一项“副业”则是帮国家培育优秀的人才，因为年轻人是国家的栋梁，未来的主人翁！ 協助人們發揮潛能並給予支持，未來他們也能回饋社會，協助他人，這是讓世界變得更美好的一種方式。~ 神秘巴西富豪 Jorge paulo Lemann 最好当然还是闲云野鹤，吃喝玩乐！

大多数人都弄颠倒了。“传统财富”思维建议你，找一份好工作、努力工作、支付帐单，然后把剩余的一切都用于建立家人的生活方式。把你剩余的时间用于同你的配偶和孩子呆在一起、根据你剩余的金钱来决定住多大的房子、住在什么地方，还有你的假期、你的健康状况等等。 你的家人、甚至你自己得到的都是剩余的东西，不觉得奇怪吗？ 选择比努力重要 ! 现实是， 你能承担什么，就能获得什么。 诺亚原则：你得到奖赏不是因为你预测了大洪水，而是因为你制造了方舟。 重要的不是你开始有多好-重要的是你结果有多好。 我们永远都不会知道我们是否拥有成功所需要的一切，直到我们真正地去做。你不能做一个“浑浑噩噩的芸芸众生”终其一生，而希望获得人生的报酬。 如果你采取行动后失败了，那你至少知道今天不要再做什么，你会带着更多知识前进。没有行动，那你学到的就只是理论，以及你没有采取行动这一事实。 老人与狗 （你为什么还不行动？） 有一个老人和他的狗一起坐在门廊里。一个路人注意到了那只狗在痛苦呻吟了好一段时间，但老人似乎没有太注意到狗的痛苦。路人走到他面前，问道：“为什么你的狗在呻吟呢？”老人答：“它躺在一枚钉子上。”路人奇怪地问：“它为什么不挪开呢？”老人答：“因为它还不够疼。” 大多数人也在抱怨他们的生活质量很差、薪水很低、工作缺乏安全感、债务猛增，却没有为此采取任何行动。 行动源于两点： 对快乐的追求和对痛苦的逃避， 而逃离恐惧与痛苦的力量更大。( http://www.slideshare.net/howtze/how-tze-101-i-thought-you-no-need-to-work ) 火箭离开发射台后，最初的3分钟会耗去95%的能量。要突破地球的引力，需要的正是这初始的推力。 任何人的这一生只能做短暂的停留，只能拥有一次机会：不是享受最好的生活，就是悔恨万分，幻想着本来应该拥有的一切。

The record-high spring auction prices represents: First, Hongkong’s status as the world’s third-largest auction hub after New York and London. Second, the tremendous upsurge in East Asians’ purchasing power. In 2009, China with 477,000 US dollar millionaires with the fastest-growing number of high-net worth individuals while in Hongkong and India, the number of US dollar millionaires soared by 104% and 51% respectively, the World Wealth Report says. Third, at best, a determined diversification strategy and, at worst, investor distrust of conventional investments. One indicator of nervousness is turbo-charged demand for gold. Buying of physical gold bars jumped by 66% last year, despite a 27% rise in price. Equally notable, India and China accounted for more than half of global demand for gold. Since holding gold bars yields no income, its continuing demand reinforces the metal’s status as the ultimate security blanket. ------------------------- Traditionally, Chinese cera...

320. Consolidate Credit Card and Small Business Loan Debt Payment 319. Business Debt Elimination 318. What Problem Did Steve Jobs Solve As An Entrepreneur 317. Know What You Should Be Aware for Small Business Debt Settlement 316. Pet Groomer Business Supplies 315. Top 10 Wisest Quotes from Charlie Chan Films 314. Hot Girls from India and The Business Moral 313. Backstage at Victoria’s Secret Fashion Show : Anchoring Effect 312. Business Value of Supply Chain Management 311. Business Brokers Network