Rolf’s Updates – My Priorities in Life – Health, Finance, Family, Friends & Hobbies – 2018 1Q

It’s been awhile since I last blogged.
Apparently, this is only my 2
nd article this year. My priorities 
had
changed drastically since awhile back.
  Some
of you may know. No longer is my happiness or 
joy derives
from the material success or personal glory, but instead for the true purpose in life. 
Anyway I took this Labour day rest day to update based on my 5 priorities in
life that I blogged about before-
H2F3. Things have changed so much since then. 
Health
Generally very good with no major sickness
except for some small hiccups due to the drastic hot and cold weather lately.
Financial
Career
Despite primarily in the O&G industry,
with so many changes including several rounds of retrenchments over the past 3
years, I managed to survive in the same job of more than 5 years. Never have an industry be so depressed for so long. And it is not over yet. Frankly, it is no
joke and very tough mentally. You may be laughing over it, but to tell the
truth, people I know had been losing sleep for the last several months already
due to the stresses, and had even sought help from IMH.
Without the blessings of God, I will never
have endured through the oil crisis and even still have a job that pays the
same as during the heydays. Not only that, I manage to spend lots of time being
physically there for friends with listening ears and mentally encouraging them,
so that they will not fall into depressed condition, resulting in health problems.
Simple treats of meal to them also help. This is the joy I have by giving and
helping.
Sadly, I had seen so many friends who were
retrenched and heard many are driving Grab now, even including those of
director level in the past. Those who are still in the jobs are often stressed
out or really unhappy. It may not be just in the O&G industry, but I feel
that the general “job culture” in this country is really not the healthiest.
Everyone is chasing the wrong things in this present age that the world had manipulated
and misled us.
Investments / loan
Portfolio wise, I had >40% cash, 40%
metals, with the rest in stocks and bonds (cpf excluded). This year, I had
also paid down a substantial amount of my outstanding housing loan. My only
loan now is housing loan. This is now comfortably less than 50% of the value of the
house. Me and wife also own another flat providing regular rental income.
Although I did not profit much with the global stock rage, I am joyful and
stress-free, sitting pretty comfortable with my current portfolio with no intention to
invest it on stocks in the short run.  My
salary savings were accumulated in cash earning meager interest.
Charitable
acts
The more you give, the more you receive.
This includes not just money but time. It is easy to understand, but to put in practice,
you have to deny yourself, something that I am still trying to improve as time
goes. I had also apportioned a part of money for charitable acts each month.
That said, I am careful that the monies given will channel to those who are
truly in need, and not to the undeserved people or institutions.  
Family
I am now living happily with a household
of eight. Me and wife are supporting our 4 kids, parent and helper. By God’s
grace, we are managing really well, although it is not as easy as it seems,
both financially and mentally. The fourth junior member of the house just
turned 1 year old. He brought so much joy to the house that money cannot buy.
Of course, lots of personal time is sacrificed but it is all worth it. My mum,
siblings and relatives’ relationships are relatively good also as we organized
regular gatherings.
Not to be boastful but to be truthful and
hope that I do not offend anyone. I have to say humbly that it is so easy to
talk about financial freedom when you are only supporting yourself or your wife
or just a small family. But when you have a big family of loved ones to manage,
the stress level is really different. That said, the intangible joy of a well-managed
family could never replaced by how big your portfolio or your business is. So
many rich and powerful while having worldly successes, had failed to taste the
true fruits in their family lives. Of the list, includes Steve Job, Warren
Buffet, Elon Musk or perhaps even our very own Lee family. So why are we chasing
the worldly things that we had been chasing all our lives?
Perhaps the day you attain your financial
freedom after many years of pursuing, may just be the day you are diagnose with an incurable disease that may make everything you have been pursuing futile? 
Friends
I try not to neglect my long time friends
as we still have gatherings now and then. My new friends are also expanding at a
rapid pace as God opened  many doors for me to do His work, by offering my
time for those who are experiencing problems pertaining to career, health and
family. Relationships at work place for me continue to be very good, although it
is really harder to maintain when politics are abound due to the so many
changes in the top management.
Hobbies
I still go gym but with less intensity as
I do not want to injure myself when age is catching up. Swimming is usually
with the kids for bonding. I did a lot of reading, researching and writing
still, but almost all is related to the bible almost every day.
LIFE
Please note that I am not preaching here, neither going to make this a controversial blog. I am just sharing my own truthful experiences as follows, hoping it will be able to shed some light about the purpose in life.

The bible is without doubt one
of the most startling book I ever read and it does not matter how many times I
re-read it, every time it refreshes and never fail to give me the true wisdom
and the important messages to make the most out of lives. For all the time I use to spend in investing and blogging, I am spending it in bible reading etc for the last two years. 
In essence, the bible is actually like a
mirror. When I am reading the bible, the bible is actually reading me helping
me to re-examine my mistakes, and helping me to become a better person. And
not just for myself, but also to the lives of many others who needed help
regardless of race, religion or social status. I am thankful that my own family
was often used as the instrument of righteousness to help those in need, and
often in the most miraculous way you ever can imagine.
It is definitely not about just going to
church or having a religion, or just being spiritual as many mistaken. In fact, the day when you truly knows the contents of the bible is the day when you stop being religious. My
family is not member of any listed institutional churches. The focus is truly
living the right way of life. The bible wanted us to put our faith in the Word,
and to lead a life that is humble with selfless love, and having a mind that is
always hopeful on the right thing, and always doing good and to share. And it is not just a set of
doctrinal teachings, but the Word in the bible has supernatural power and
authority.
Then there will be some who called
themselves a faithful ones, who never fail to go to a certain church/temple, or
never fail to follow a set of rules, and “think” that God is always behind
them, when they are truly only motivated by their own interests all the time? 
Is this correct? Or is this the truth in today’s society where all that matters
is about the love of self and pride of life? 
Seeing the light, is the real reason why
my life change so much. This led to the growing of fruit in my life via many trials and sufferings to humble me, to reexamine myself and to repent. Thereafter, all glory to God
as He had consistently led my family, indiscriminately and miraculously to help
ourselves and the people around us. By God’s grace, He also used me humbly to
preach to many senior pastors with decades of full time pastoral and missionary
experiences, in their understanding of the truth. Likewise and of course they
also helped me when my family and myself faced with problems. It is always
mutual, as we need one another. Many will be skeptical and but it is hard to
explain here.
Ok, enough said. I prayed for the
blessings of love, peace and joy be upon all my friends and readers here. Bye.
🙂

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35 thoughts on “Rolf’s Updates – My Priorities in Life – Health, Finance, Family, Friends & Hobbies – 2018 1Q

  1. God's blessing is not just about being rich in material matter, but the power to enjoy life in its fullness. Glad you're having that Rolf!

    1. Hi Yaruzi, thanks for the well wishes and may you be bless.

      Actually for me, God's blessings is not for me to enjoy my life to the fullness. More like how to lead the right life according to the instructions in the bible being led by the Spirit.

      It is more about learning how to be more selfless, humble and to do good and share to the needy. Perhaps God wanted to use me to show to my friends how He can change such a self-will and worldly person like me, to what I am doing today. Sometimes I myself is amazed about the changes. It definitely cannot happen if it is just me alone changing. There must be a supernatural power flowing from top to bottom over me and manifest within me.

      God's blessings had many times let me go through many trials and sufferings in my life, so that in the process, it really humble me down. And for human beings, it is often only in humility, we can truly understand the meaning of life, to learn how to love and live in faith. Then we can receive the true peace and joy in life.

      The thing that bothers me, is that the present society or even many (not all) institutions or even churches are teaching us indirectly that everything revolves around ourselves that eventually cultivate pride that people do not even realise.

      The motivation is always "how to benefit myself, what must I do, so that I can get this or that for myself and for my family only"…

      However I read through the bible from start to end several times over the last 2 years, and what God truly wants is for us to believe in Him and then we will be changed as a person, and then we will have a sincere and truthful heart in the inside. Hence even if we suffer, we suffer in joy, but knowing that all will turn out well eventually, as long as we continue to do good according to what the bible write.

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  2. Hi Rolf

    Seems like you received the light and direction from God which is great because I am a believer too and so much wisdom can be learned from the story and history.

    You might also knock down correctly those who seeks the pursuit of financial freedom aimlessly the similr way others treat material possession. Ultimately it is to be whom you are doing that for and what is your ultimate happiness. More often than not, we already found them. They are just hiding in our inner self thats all.

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  18. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Scott james

    Email : [email protected]
    Skype: [email protected]

  19. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Elvis roberts

    Email : [email protected]

    Skype : [email protected]

    WHATSAPP NO : +1(909)375-0798

  20. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Elvis roberts

    Email : [email protected]

    Skype : [email protected]

    WHATSAPP NO : +1(909)375-0798

  21. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE AT THE BEST RATES AVAILABLE

    we are direct Mandate to a genuinely renowned Investment Finance Company offering Cash & Asset Backed Financial Instruments such as BG/SBLC/MTN/LC/DLC on Lease and Sale at the best rates and with the most feasible procedures. Instruments offered can be put in all forms of trade and can be monetized or discounted for direct funding. We offer certifiable and verifiable bank instruments via Swift Transmission from a genuine provider capable of taking up time bound transactions. Kindly contact for genuine inquiries and I can provide you with the needed information.

    CONTACT:
    Rudolf Christian,(DIRECTOR)
    Email: [email protected]
    SKype: cid.defcc488b5af0d20

  22. We are project funder as well as financial lender. We have BG/SBLC specifically for BUY/LEASE at a leasing price of 4%+2% of face value Issuance by HSBC London and many other 25 top AA rated Bank in Europe, Middle East or USA. We also secure funding. Also We are into the provision of short term and long term business/personal loans for both small and large scale business funds.

    * FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    * FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Kindly contact us for our procedures and be sure that we shall respond within 48hrs maximum.

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved.
    Contact Name : Blaine Lorcan
    Contact Email: [email protected]
    Skype:[email protected]
    WhatsApp:+1(408)290-8281

  23. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR LEASE AT THE LOWEST RATES AVAILABLE. OTHER FINANCIAL INSTRUMENTS SUCH AS MTN, CD, DLC, PB ARE ALSO AVAILABLE. Dear Sir/Ma I am direct to a provider who has recently issued banking instruments for a couple of my clients the provider is 100% check-able you can do your due diligence on them. I personally know the provider. Our instruments are only from triple 'a' rated banks and we issue from $1M to $5B . The provider is 100% verifiable. If you are genuinely seeking bank instruments. Contact me and i will furnish you with details. And again our bank instruments can serves as collateral as the case may be, which will enable you get loans from your bank so as to embark on any projects such as Aviation, Agriculture, Petroleum, Mining, Telecommunication, Construction of Dams, Real estate, Bridges, Trading, Importing and exporting and Other Turnkey Project (s) etc. Also these instruments can be put in PPP, etc. Please do let me know of your willingness to proceed and I will email you our terms and condition upon request.Inquiries from agents/ brokers/ intermediaries are also welcome. If you are interested in seeking to raise finance for your business/projects in this way,

    Email: [email protected]
    Skype:[email protected]

  24. when I thought about the way things have been recently, i owe my thanks to God for letting me find this amazing personality, i mailed Mr. alex roughly 2 months now, I was actually very uncertain about investing, very scared because i was also low on cash.I gave it my all, my first investment of $2,000 two weeks ago brought me $ 29,230 last week, and what intrigues me the most is the way him handles he partners, i recommend him too to my friend jeff, after trading with him, his testimonies have let me come here to attest for him. We are happy to meet a professional in you. I am proud to recommend him to any person who has a passion for trading, meet a good mentor and get good fortunes.Contact this veteran at: [email protected]

  25. Do you need Personal Loan?
    Business Cash Loan?
    Unsecured Loan
    Fast and Simple Loan?
    Quick Application Process?
    Approvals within 24-72 Hours?
    No Hidden Fees Loan?
    Funding in less than 1 Week?
    Get unsecured working capital?
    Contact Us At : [email protected]
    Phone number :+91-9818603391 (Whatsapp Only)

    LOAN SERVICES AVAILABLE INCLUDE:
    ================================
    *Commercial Loans.
    *Personal Loans.
    *Business Loans.
    *Investments Loans.
    *Development Loans.
    *Acquisition Loans .
    *Construction loans.
    *Credit Card Clearance Loan
    *Debt Consolidation Loan
    *Business Loans And many More:

    LOAN APPLICATION FORM:
    =================
    Full Name:…………….
    Loan Amount Needed:.
    Purpose of loan:…….
    Loan Duration:..
    Gender:………….
    Marital status:….
    Location:……….
    Home Address:..
    City:…………
    Country:……
    Phone:……….
    Mobile / Cell:….
    Occupation:……
    Monthly Income:….

    Contact Us At [email protected]
    Phone number :+91-9818603391 (Whatsapp Only)

  26. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers. We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description. The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee/Standby Letter of Credit will be paid after the delivery of the MT760, Description OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG/SBLC) 2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD). 3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Purchasing Price: 32% of face value plus 2% commission fees Leasing Price: 4% of Face Value plus 1% commission fees. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. We are ready to close leasing/Buying with any interested client in few banking days, if interested do not hesitate to contact me Name : LUIS SANCHEZ Email: [email protected] whatsapp:+447921551354

  27. We are direct providers of Fresh Cut BG, SBLC and MTN which are specifically for lease/sales, our bank instrument can be engage in PPP Trading, Discounting, signature project(s) such as Aviation, Agriculture, Petroleum, Telecommunication, construction of Dams, Bridges, Real Estate and all kind of projects. We do not have any broker chain in our offer or get involved in chauffeur driven offers. We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description. The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee/Standby Letter of Credit will be paid after the delivery of the MT760, Description OF INSTRUMENTS: 1. Instrument: Bank Guarantee (BG/SBLC) 2. Total Face Value: Eur/USD 5M MIN and Eur/USD 10B MAX (Ten Billion EURO/USD). 3. Issuing Bank: HSBC Bank London, Barclay's bank London,Credit Suisse and Deutsche Bank Frankfurt. 4. Age: One Year, One Month 5. Purchasing Price: 32% of face value plus 2% commission fees Leasing Price: 4% of Face Value plus 1% commission fees. 6. Delivery: Bank to Bank swift. 7. Payment: MT-103 or MT760 8. Hard Copy: Bonded Courier within 7 banking days. We are ready to close leasing/Buying with any interested client in few banking days, if interested do not hesitate to contact me Name : LUIS SANCHEZ Email: [email protected] whatsapp:+447921551354

  28. Are you in need of Urgent Loan Here no collateral required all problem regarding Loan is solve between a short period of time with a low interest rate of 2% and duration more than 20 years what are you waiting for apply now and solve your problem or start a business with Loan paying of various bills You have come to the right place just
    contact us [email protected]
    whatspp Number +918929490461
    Mr Abdullah Ibrahim

  29. GENUINE BANK GUARANTEE (BG) AND STANDBY LETTER OF CREDIT (SBLC) FOR BUY/LEASE
    AT THE BEST RATES AVAILABLE

    We offer certified and verifiable bank instruments via Swift Transmission from a genuine provider capable
    of taking up time bound transactions.

    FOR LEASING OF BG/SBLC
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
    LEASING FEE = 4%+2%

    FOR PURCHASE OF FRESH CUT BG/SBLC
    PRICE = 32%+2%
    MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M

    Our BG/SBLC Financing can help you get your project funded, loan financing by providing you with yearly. RWA ready to close leasing with any interested client in few banking days

    Name : Scott james

    Email : [email protected]
    Skype: [email protected]

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