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November and December are special months when many special occasions held. I got married on November. My wife birthday, my most special person, is also in November.
And December is my birth month. Yesterday was time when my age clock tick to another year and it remind me that I have stayed in this earth for another extra year.
This year is my last twenties and next year my age second will be incremented too, that make me join thirties group. Before get too old and too lazy, like usual, this event is always a best time to do some reflections and evaluations.
I want to move back a while with my imaginary time travel machine. Sometime I still remember several old fragments, when first time I have memory that I can recall from my childhood.
One of that I still can retain is, when one day I was play outside near my home. Then my dad fetched me to go home.
I was around 4 years because I remember that my mom was expecting her second child, my first younger sister.
I couldn't recall any memory older before that time. We moved to different city shortly after my mom delivering my first younger sister.
I was entering primary school when I was around 5 years old. I couldn't remember most part of those times.
Like I don't remember any name of my friends. I only can recall some of memory snapshots. I was schooled there only for one year because then we moved back again to another city again.
On second year of primary school I was staying with my uncle. I was with his family for 3 years from 2nd grade until 4th grade. I couldn't remember much thing around that time.
However my memory was better because at least I can remember several of my friend name. Even I can found out them again in Facebook, some years later.
On 5th grade I return to stay with my own family. Then 2 years later, I entered junior high school. I can recall more and more.
Sometime I wonder about how magical human memory is. It getting better and better when age increase and one time will decay again when we reach older time.
Fast forward 3 years I entered university. More freedom, found more diverse people. Four and half years in university is like a blink, then I graduated.
Got a job luckily 3 months only after graduation day. Somehow destiny guided me suddenly to work as a programmer. I work in Jakarta for 3 and half years then destiny flew me to nearby country and has worked here in Singapore for another 3 years.
So what I have achieved? Anything I can proud of? Chasing The Achievement Nope, I haven't help to resolve world hunger issue yet nor in near future could have capacity to win a noble prize.
I am not so that impactful yet as an individual, although hope to be so sometime later. More or less I feel that I still about same with 4 years old of me.
Except that I little bit taller and much more fatty. However, inside I still have the same soul with that little boy and hoping could be a better and better person as the time moving forward.
Getting older is a gift that not all people can attain. People life and dies every time. Be grateful if we still breath at this exact second, which mean we still have chance to make world a better place, said no startup founder ever in their pitch.
Making world as a better place could be started just to make our self a better person. Hence I still disappointed to myself is I feel that I still haven't make any significant movement to make myself as a better person yet.
I always state my personal motto as "Life is to precious if just to be ordinary". Hence I feel that most of the time I still too much ordinary.
No sin to be ordinary but most magnificent achievement in this world is done by extra ordinary person. To have just a standard life maybe we could just be ordinary.
However to have a good life, a proper house, a nice vehicle, frequent travel to beautiful destination to enrich our soul, to have best health and education for our family then we have to be extra ordinary.
Best result comes from best effort. And I feel that I haven't presented best effort in my life yet. This is important thing that I remind in this event and I have to serious to start doing best for everything I do from now on.
Let see following example: doing best job in my work, be a best husband for my wife, be a best father for my future children, be a best son for my parents, write a best software.
Hoping that by executing those best input to get best output. Let we say that best output as a thing called success.
Everybody want to succeed, aren't they? Success is something too abstract. To make it easier, let's define success as achieving something that we want.
So from that we could list following steps to succeed: It started by knowing and define exactly what we want.
Prescribe the step to get what we want and break down it as specific as we could. While have not succeed, do every step that will help we getting closer to what we want.
It might be funny, but sometime people don't know what they want, which indicating that most people satisfy to be just ordinary.
Some people know what they want, but they don't have exact step to get what they want. Whom that even not doing number 1 has messed up them self.
Whom that execute only step 1 to 2 is a dreamer. Whom that execute all of those three will only be the person that could succeed. Ironically I rarely doing 3.
Sometime I do step 1, sometime I do step 1 and 2. Less often do the whole steps 1,2 and 3. This have to be changed. What I want? This is standard bucket list that I often wrote.
Hoping this year can put more full commitment to achieve these. But understand this steps will help a lot to achieve our "what we want list" No more zero days - do something towards whatever goal or want.
Exercise - when you exercise, you are doing your future self a huge favor. Read Daily - almost everything we've ever thought of, or gone through, or wanted, or wanted to know how to do or whatever has been already figured out by someone else.
Reading will help you better understand. Have faith and follow through with action. Special thanks to my wife that like always never stop giving me sweet surprise including giving some of my dream lego set in my birthday.
I just found out that for the last 4 years, every year I have tried to write my personal statement for my birthday that could be important reference for myself: 28 years old personal note 27 years old personal note 26 years old personal note 25 years old personal note.
If we drive our car every day, could we become a better driver? Not necessary. Daily driver of course will be good in driving compared to the new learner.
He can act and respond promptly for some sudden event on the road. However, it will not make he can do more than mundane driver task as he do daily.
There will be no way such ordinary driver could race in circuit just out of sudden. Racer is also a driver but not vice versa.
Racer need enormous training to gain his expertise. Today I am thinking about how we always have to improve our competitive advantage in this life so that we could be more than just "ordinary driver".
Lumigan eye drops are used to treat certain types of glaucoma and other causes of high pressure inside the eye.
Do not use Lumigan eye drops while wearing contact lenses. The eye drops may contain a preservative that can discolor soft contact lenses.
Wait at least 15 minutes after using Lumigan before putting in your contact lenses. Lumigan may cause a gradual change in the color of your eyes or eyelids and lashes, as well as increased growth or thickness of your eyelashes.
These color changes, usually an increase in brown pigment, occur slowly and you may not notice them for months or years. Color changes may be permanent even after your treatment ends, and may occur only in the eye being treated.
This could result in a cosmetic difference in eye or eyelash color from one eye to the other. Do not allow the tip of the Lumigan eye dropper to touch any surface, including your eyes or hands.
If the dropper becomes contaminated it could cause an infection in your eye, which can lead to vision loss or serious damage to the eye. After using Lumigan, wait at least 5 minutes before using any other eye drops that your doctor has prescribed.
Follow all directions on your medicine label and package. Tell each of your healthcare providers about all your medical conditions, allergies, and all medicines you use.
Lumigan may cause a gradual change in the color of your eyes. You may also notice increased growth or thickness of your eyelashes. These changes occur slowly and you may not notice them for months or years.
It is not known whether Lumigan will harm an unborn baby. Tell your doctor if you are pregnant or plan to become pregnant. It is not known whether Lumigan passes into breast milk or if it could affect the nursing baby.
Tell your doctor if you are breast-feeding. Use Lumigan eye drops exactly as prescribed by your doctor. Follow all directions on your prescription label.
Do not use this medicine in larger or smaller amounts or for longer than recommended. The usual dose of Lumigan eye drops is 1 drop into the affected eye every evening.
Follow your doctor's dosing instructions very carefully. Do not use this medicine while wearing contact lenses. Lumigan may contain a preservative that can discolor soft contact lenses.
Our work provides lenders with the insight and transparency they need to make effective credit decisions.
Often, Lumina Partners can restore a troubled borrower to financial health so they can be retained as a customer. In exit strategies or cases of lender fatigue, new financing sources can be secured to transition the credit to another financial institution.
We also help clients maximize their effectiveness of their finance systems as well as developing short-term and long-term plans to address deficiencies and to maximize system benefits.
The firm specializes in identifying and implementing cost-effective improvements to internal accounting and financial reporting systems, including internal controls, practices and policies, and fraud deterrence.
A business valuation prepared by an independent and qualified professional is necessary for many common business accounting, tax, succession and estate planning purposes.
It can also be necessary for more unusual and sometimes contentious situations involving transactions or legal disputes.
However, a standardized body of professional guidelines, accepted methods and defined procedures has been developed by governing organizations to provide authoritative industry standards of practice for how to conduct business valuation.
For privately held companies, adequate comparable transaction information necessary to determine business value rarely exists. Applying a combination of accepted methodologies, analyses and objective professional judgment to arrive at an effective value is required.
Lumina Partners has the practical experience, technical expertise and business acumen needed to provide effective and credible valuation services, including Calculations and Conclusions of Value.
Our independent valuation opinions serve to educate owners and managers about the value drivers of the business, including those that can effectively increase the value perceived by outside parties.
In addition, our business valuation reports are designed to withstand the scrutiny of other parties, and effectively defend the valuation result and findings.
Lumina Partners provides professional business valuation services for many purposes, including:.
Exit planning is the creation of a comprehensive road map that allows a business owner to successfully exit a privately held business. Lumina Partners firmly believes that after a lifetime of hard work, business owners are entitled to a successful liberation of the wealth they have built within their company.
Exit plans also help minimize the amount of taxes paid, minimize stress for the owner, family and employees, and ensure that the business owner is able to accomplish all of his or her personal and financial goals in the process.
A good exit plan uses a disciplined and methodical approach to ask and answer all of the business, personal, financial, legal, and tax questions involved in selling a privately owned business.