Tanggal tiga puluh satu
Bulan lapan lima puluh tujuh
Merdeka, Merdeka, Tetaplah Merdeka
Ia pasti menjadi sejarah
Tanggal tiga puluh satu
Bulan lapan lima puluh tujuh
Hari yang mulia, Hari yang bahagia
Sambut dengan jiwa yang Merdeka
Mari kita seluruh warganegara
Ramai-ramai menyambut hari Merdeka, MERDEKA!!
Tiga satu bulan lapan, Lima puluh tujuh
Hari mulia negaraku Merdeka
(2x)
Merdeka, Merdeka, Merdeka....!MERDEKA!!
Tuesday, August 31, 2010
Monday, August 30, 2010
Malaysia National Song
Negaraku
Negaraku, tanah tumpahnya darahku,
Rakyat hidup, bersatu dan maju,
Rahmat bahagia, Tuhan kurniakan,
Raja kita, selamat bertakhta.
Rahmat bahagia, Tuhan kurniakan,
Raja kita, selamat bertakhta.
Negaraku, tanah tumpahnya darahku,
Rakyat hidup, bersatu dan maju,
Rahmat bahagia, Tuhan kurniakan,
Raja kita, selamat bertakhta.
Rahmat bahagia, Tuhan kurniakan,
Raja kita, selamat bertakhta.
Sunday, May 30, 2010
saving concept vs FD -2
I pressed ING website last nite (actually more than N time):
I searched ING easy for retirement, it show like this:
Present:-
Average Link-house : RM 180,000
Glass of Teh Tarik: RM 1.30
Visit to clinic: RM 30
Annual College Fee: RM 9,500 (more private or government)
20Years From Now:-
Average Link-house : RM 454,851
Glass of Teh Tarik: RM 2.49
Visit to clinic: RM 63
Annual College Fee: RM 23,575 (more private or government)
When I read this, I was so shocked! My goodness, is this the amount that I have to pay to my children & family expences?
(The following is a demo example)
Name: A
Age: 26
Expecting retire age: 50
Current income: RM 30,000
Current Saving per month: RM 500 (included investment, piggy bank and so on except EPF)
Current EPF: RM18,000
Investment Style: Conservative (Have 3 style: Conservative, Moderate, Aggressive)
Graph shown: You will have net saving RM 557,035 on 50 years old. But will finish around 10 years in future.
Additional Money you required until 85 years old: RM 1,254,531 (Around RM 1.2 million)
Are we preparing the additional money for future retirement now?
I searched ING easy for retirement, it show like this:
Present:-
Average Link-house : RM 180,000
Glass of Teh Tarik: RM 1.30
Visit to clinic: RM 30
Annual College Fee: RM 9,500 (more private or government)
20Years From Now:-
Average Link-house : RM 454,851
Glass of Teh Tarik: RM 2.49
Visit to clinic: RM 63
Annual College Fee: RM 23,575 (more private or government)
When I read this, I was so shocked! My goodness, is this the amount that I have to pay to my children & family expences?
(The following is a demo example)
Name: A
Age: 26
Expecting retire age: 50
Current income: RM 30,000
Current Saving per month: RM 500 (included investment, piggy bank and so on except EPF)
Current EPF: RM18,000
Investment Style: Conservative (Have 3 style: Conservative, Moderate, Aggressive)
Graph shown: You will have net saving RM 557,035 on 50 years old. But will finish around 10 years in future.
Additional Money you required until 85 years old: RM 1,254,531 (Around RM 1.2 million)
Are we preparing the additional money for future retirement now?
The heat - betting (18)
Bet, bet, bet,...
Anyone like to bet. Ekor, kuda, toto, 88 (SABAH), Magnum, Da Ma Cai, ...... Now, government said, for football betting: GREEN LIGHT!
For me, hey dude, great! No more underground bookies, police may save energy, government have more MONEY X N to come to heal the extremely deficit (If still use subsidiary, Malaysia will be the next Iceland in 2019). Many people said:
Anyone like to bet. Ekor, kuda, toto, 88 (SABAH), Magnum, Da Ma Cai, ...... Now, government said, for football betting: GREEN LIGHT!
For me, hey dude, great! No more underground bookies, police may save energy, government have more MONEY X N to come to heal the extremely deficit (If still use subsidiary, Malaysia will be the next Iceland in 2019). Many people said:
- Cancel lah!
- Potong ini lah, memudaratkan! (WiMAX ?!!)
- Sini tak ada!
- Tak Boleh!
- Pergi Masjid Untuk Buat MOGOK! ...... (SELALU BUAT PADA HARI JUMAAT)
Our Famous MB: No Door For Ascot (You May Read Newspaper). Just Want to ask you, MB, if you want to ban the Ascot, why not together with the BEER, TOTO.... ?
MB said: Toto & beer, we still may accept, small small may play-play lah, once a while is ok loh. That's mean, anyone can gamble & drink sometimes lah.. But Ascot ah, boleh pecah satu keluarga. Tak Boleh, Tak Boleh, Tak Booooooooooooooooooooooooooooooooolllllllleh!!!
For author, speechless....
Tuesday, May 18, 2010
The heat - Malaysia Politic with others (18)
When we (C & D) sat in XXXXXXXXX coffee shop (very damn famous, dude),
A: Hey B, Long time no see...
B: Hello hello... (shacking hand each other)
A: Lu doing what now?
B: Wah? Doing business loh..
A: What business you involved?
B: Retirement concept..
A: Dont sell me insurance ah.. Wah will @@@@ you!
B: Easy man. As I said, retirement concept, dude..
A: Ok ok...
B: Heh, did you read newspaper...? Regarding XXXXXXXXXXXXX by-election.
A: Lu jangan cakap lah. When I saw the rocket man & blue guy.. I want to $$#$ them lah. Just Blah - blah only... Dont know which want is the best. You said rocket man ok, he just a follower, you said blue guy, only give many during election only.
B: Lu siao meh, said like that, later the rocket team or blue team will kill you.
A: Dont know lah, sometimes I saw them, like the moon guy, always jump there, jump here, like a frog prince, I thought once a while was ok, but it happened continuesly. Like the qqqq qqqq pppp, what the JJJJJkhnfglkhfndlkhfndkl. Anwar said: Nvm. Swept the bad things out of PKR.
B: Easy man, lu relax lah, you are not them mah, dude..
A: Yes. luckily not like Bangkok. Worst loh. So many people dead, I read news that the Red Shirts (anti-gorverment protesters) were willing use the baby as protection to army.. klkkljl?!
B: But I read news from mandarin newspapers that they also not dare to use but the baby's parent have to use to end the war.
A: What the hell, use child? tell the Red Shirts back home tanam padi lah.. Siao..
B: Pen Yu (Hokkien dialet - friend), dont worry, one day the war will end...
A: Ya lah, when the war end, we already not at this world loh...
B: Siao meh, said like that.
A: You read the news or not? Britain change government..
B: I knew. The XXXX Brown did sooooooooooooooooo many mistakes during the campaigns. VKJHSKGJHSGKFHKGFHDS......
A: I have same feeling with you... He should get back to XXXX!
B: As I know, Britain have coalition government but I didnt recall the name in short time ... I think the name is David Cameron, the head of the Conservatives. Another one I didnt remember..
A: The another is Liberal Democrat leader and now Deputy Prime Minister, Nick Clegg. (Even author dont know the name, damn it!)
B: Wah, you remember... dude.
A: F@@@ you lah, didnt read newspaper ah?
B: You thought I am a computer ah. Dude...
A: For ling beh (Hokkien Dialet - another wording for "me"), I have 30 years for reporting XXXX politic news, surely will know lah...
B: For me, money more realistic...
A: F@@@ you lah.. If I have money, I sure will buy a small island to live, play, swim & .... I no need to mention lah, you know lah...
B: Politic is the most confusing & annoying game in the world.
A: F@@@@
B: You too lah, sucker (Finally B said the first dirty word in whole dialogue)
C & D: ..... (Speechless)
THE END
A: Hey B, Long time no see...
B: Hello hello... (shacking hand each other)
A: Lu doing what now?
B: Wah? Doing business loh..
A: What business you involved?
B: Retirement concept..
A: Dont sell me insurance ah.. Wah will @@@@ you!
B: Easy man. As I said, retirement concept, dude..
A: Ok ok...
B: Heh, did you read newspaper...? Regarding XXXXXXXXXXXXX by-election.
A: Lu jangan cakap lah. When I saw the rocket man & blue guy.. I want to $$#$ them lah. Just Blah - blah only... Dont know which want is the best. You said rocket man ok, he just a follower, you said blue guy, only give many during election only.
B: Lu siao meh, said like that, later the rocket team or blue team will kill you.
A: Dont know lah, sometimes I saw them, like the moon guy, always jump there, jump here, like a frog prince, I thought once a while was ok, but it happened continuesly. Like the qqqq qqqq pppp, what the JJJJJkhnfglkhfndlkhfndkl. Anwar said: Nvm. Swept the bad things out of PKR.
B: Easy man, lu relax lah, you are not them mah, dude..
A: Yes. luckily not like Bangkok. Worst loh. So many people dead, I read news that the Red Shirts (anti-gorverment protesters) were willing use the baby as protection to army.. klkkljl?!
B: But I read news from mandarin newspapers that they also not dare to use but the baby's parent have to use to end the war.
A: What the hell, use child? tell the Red Shirts back home tanam padi lah.. Siao..
B: Pen Yu (Hokkien dialet - friend), dont worry, one day the war will end...
A: Ya lah, when the war end, we already not at this world loh...
B: Siao meh, said like that.
A: You read the news or not? Britain change government..
B: I knew. The XXXX Brown did sooooooooooooooooo many mistakes during the campaigns. VKJHSKGJHSGKFHKGFHDS......
A: I have same feeling with you... He should get back to XXXX!
B: As I know, Britain have coalition government but I didnt recall the name in short time ... I think the name is David Cameron, the head of the Conservatives. Another one I didnt remember..
A: The another is Liberal Democrat leader and now Deputy Prime Minister, Nick Clegg. (Even author dont know the name, damn it!)
B: Wah, you remember... dude.
A: F@@@ you lah, didnt read newspaper ah?
B: You thought I am a computer ah. Dude...
A: For ling beh (Hokkien Dialet - another wording for "me"), I have 30 years for reporting XXXX politic news, surely will know lah...
B: For me, money more realistic...
A: F@@@ you lah.. If I have money, I sure will buy a small island to live, play, swim & .... I no need to mention lah, you know lah...
B: Politic is the most confusing & annoying game in the world.
A: F@@@@
B: You too lah, sucker (Finally B said the first dirty word in whole dialogue)
C & D: ..... (Speechless)
THE END
Monday, May 17, 2010
The heat - FIFA world cup
As usual, China won the Thomas Cup consecutively for 4th years for first time in history.
But later, what next?
More heat & the most heat is South Africa World Cup 2010!
But I still not sure want to follow all 64 live matches in midnite & early morning or not.
Hey guys, we still need to work, sleep, eat, appoinment (official & private)...... Ok, we will have a problem during the World Cup period - MC. The following list are for parties who will have benefit during World Cup:
But later, what next?
More heat & the most heat is South Africa World Cup 2010!
But I still not sure want to follow all 64 live matches in midnite & early morning or not.
Hey guys, we still need to work, sleep, eat, appoinment (official & private)...... Ok, we will have a problem during the World Cup period - MC. The following list are for parties who will have benefit during World Cup:
- Hospital & clinic - MC, sick, ....
- Mamak Stall - eat, drink, seat, smoking, shouding, scolding, insulting....
- Home - eat, drink, seat, smoking, shouding, scolding, insulting....
- School, college & university - Gossip, sport action, soccer, betting, detention class, fighting..
- Giant, Carrefour, Tesco - Selling fast, add stock, overtime shopping, traffic jam, social problem...
- Electric & Electronic - Selling Fast, add stock, overtime shopping, promotion, new launching, credit card promotion, overpaid, overuse for shopping, over budget, wasting money & energy......
- Many things that you may imagine: Pro & Con...
Well, we may see WORLD CUP will give us the Con more than Pro, no matter pre-World Cup, during World Cup, or after World Cup.
So, in conclusion, do you have any problem & question?
Thursday, April 29, 2010
saving concept vs FD -1
Boy & Mom:
"Mom, why we have to save money in future?"
"For your future."
"Why for my future?"
"So that you may have money to eat, use & go any where with you money during golden age."
"When you ask us to save money?"
"The time you received the first angpou in early of the year."
"Mom, I still not very sure whether have any benefit or not if we save money in bank?"
"Son, bank have interest to pay to us if we save money in bank because they appreciate to open a fixed deposit in bank."
"What is fixed deposit?"
"Fixed deposit is a account to log the fixed amount in bank without taking out before annually mature date is coming."
"Mom, why so many people stand in the bank & what card they used?"
"Oh... They use the ATM card in order to take out money from ATM machine."
"But mom, if one day we have taken out all the money from ATM machine and use it, when old time we dont have any money during old time. Will we have to beg money at street like what I saw in Petaling street?"
"Boy, if you have work, then you have money."
"But mom, we should retire at old age like late grandmother, why still have to work at 65?"
"Boy, when you grown up, you will understand."
"Mom, I want to be a cartoonist."
"Where you have money?"
"From mom."
"Me?"
"Yes morther, I want to be a cartoonist."
"But right now, where I have money as we now sleep at street?!"
"Mom, why we have to save money in future?"
"For your future."
"Why for my future?"
"So that you may have money to eat, use & go any where with you money during golden age."
"When you ask us to save money?"
"The time you received the first angpou in early of the year."
"Mom, I still not very sure whether have any benefit or not if we save money in bank?"
"Son, bank have interest to pay to us if we save money in bank because they appreciate to open a fixed deposit in bank."
"What is fixed deposit?"
"Fixed deposit is a account to log the fixed amount in bank without taking out before annually mature date is coming."
"Mom, why so many people stand in the bank & what card they used?"
"Oh... They use the ATM card in order to take out money from ATM machine."
"But mom, if one day we have taken out all the money from ATM machine and use it, when old time we dont have any money during old time. Will we have to beg money at street like what I saw in Petaling street?"
"Boy, if you have work, then you have money."
"But mom, we should retire at old age like late grandmother, why still have to work at 65?"
"Boy, when you grown up, you will understand."
"Mom, I want to be a cartoonist."
"Where you have money?"
"From mom."
"Me?"
"Yes morther, I want to be a cartoonist."
"But right now, where I have money as we now sleep at street?!"
Wednesday, February 10, 2010
Small change
Everyday, we read the news, listen to radio, play facebook, enjoy playing PSP..... but, is it the life that you want?
Expert said: if you repeat the works in 1000 times, it will become a part of life. Is it? We dont know until we try. Like my friend, everyday he repeat the success way - unstoptable to find new customers (because he is a insurance agent) up to 7 person a day! Wao! A small number for him, but this is my big number!
Is a small change may cause many things in future? Is a small change may twist anything to unbelievable things? Is a small change may help you succeed in future? Is a small change may become a part of life (in other word attitube)? .....
Answer is: UNKNOWN. We will not know what happen in future if we have a small change now.
But what we know is: a good small change may help you to have a big change in future. Here we said a good small change: Is it stop playing facebook will help you to sleep earlier & less electricity? We dont know. But if we misuse the facebook, it will cause you many way. I didn't say facebook is a drug but facebook's power is unlimited that you expected. A small change from friendster to facebook, helped many people able to find their friends around the world! A small change can help a u-student to become a rich man. What a great idea! Ha ha..
Few days ago, a friend informed me that he has a friend who have a low contact with him, suddenly asked him came out to have a drink. Suprisingly, my friend! This guy knew that: maybe she have something in her mind instead of a drink. When he met her, A stranger sat nearby this lady. My friend said: MLM or Pyramid? Own Business? Insurance? bla bla...
Answer is: Pyramid! This lady actually was our coursemate in UKM. Now she has a small change - joining this Schemme. Ok, now we can see.. this lady have a small change. Was it considering a BIG change or nothing at all? For your info, she is a good lady in U-time. But my friend, he is a strong guy to reject & accept many things! This small change may help us to go through many ideas, such as stupid, lack of info about the schemme or other things.
'Rich dad & poor dad' - is a book to teach baby to become adult, THINK, DO & SAY LIKE AN ADULT! Is this book may become a guideline for new comer before they start to do a small change in future?
Answer is: UNKNOWN.
Today, big change may follow you if you have do a small change now.
Expert said: if you repeat the works in 1000 times, it will become a part of life. Is it? We dont know until we try. Like my friend, everyday he repeat the success way - unstoptable to find new customers (because he is a insurance agent) up to 7 person a day! Wao! A small number for him, but this is my big number!
Is a small change may cause many things in future? Is a small change may twist anything to unbelievable things? Is a small change may help you succeed in future? Is a small change may become a part of life (in other word attitube)? .....
Answer is: UNKNOWN. We will not know what happen in future if we have a small change now.
But what we know is: a good small change may help you to have a big change in future. Here we said a good small change: Is it stop playing facebook will help you to sleep earlier & less electricity? We dont know. But if we misuse the facebook, it will cause you many way. I didn't say facebook is a drug but facebook's power is unlimited that you expected. A small change from friendster to facebook, helped many people able to find their friends around the world! A small change can help a u-student to become a rich man. What a great idea! Ha ha..
Few days ago, a friend informed me that he has a friend who have a low contact with him, suddenly asked him came out to have a drink. Suprisingly, my friend! This guy knew that: maybe she have something in her mind instead of a drink. When he met her, A stranger sat nearby this lady. My friend said: MLM or Pyramid? Own Business? Insurance? bla bla...
Answer is: Pyramid! This lady actually was our coursemate in UKM. Now she has a small change - joining this Schemme. Ok, now we can see.. this lady have a small change. Was it considering a BIG change or nothing at all? For your info, she is a good lady in U-time. But my friend, he is a strong guy to reject & accept many things! This small change may help us to go through many ideas, such as stupid, lack of info about the schemme or other things.
'Rich dad & poor dad' - is a book to teach baby to become adult, THINK, DO & SAY LIKE AN ADULT! Is this book may become a guideline for new comer before they start to do a small change in future?
Answer is: UNKNOWN.
Today, big change may follow you if you have do a small change now.
Thursday, January 21, 2010
2010 - Tiger Roar
Hi Change,
Gong Hei Fatt Choy & Happy "ROAR" year!
I just finish my sales last December, but still able made a steamboat with my family member & friend, one word to describe - fantastic!
Aussie, how's your life there? Hope you & your family are fine. For timing, now i will be taking the exam - PCE (pre-contract examination) as starting a new field for me. I would to inform that - I will CHANGE JOB/Career this year! This year! And... I still single. How about you? Do you able to find a sexy Aussie? If ok, she must be more shorter than you (172cm), you know what I said, just joking.
Did you heard & read any news regarding Haiti Earthquake last week? That's terrible, sad, petty, helpless & many things that I dont know how to said. Even the Home of President was collapsed! Oh My God (OMG?!)
Do you remember teh tarik & MILO? Now a days, I started to drink blank water than teh tarik when I took breakfast outside. Why? Sugar price will increase! Somemore blank water may save a lot of money. All drinks related to sugar will have a price lifting! And my bak ku teh also couldn't avoid the price increasing. Luckily, Malaysia imported pork from oversea. So we still may have a affordable price pork. Because of terrible cold weather in north part of Earth, we will have a pricy CNY. I think it will also same to you in Australia.
Remember Auntie Liang lui next door? She finally have a Mykad since long waiting for 30 years!
Even she is just our neighbour, but we also congratulate to her. Just read the news today, many senior citizens went to Putrajaya to attend interview for getting the Mykad. Hope they may get the Mykad ASAP!
As normal, all the workers (including me) are waiting one revenue of the year - BONUS! But I still dont know what is the condition now (even though I am a branch manager). Same to others, most of people will leave the company after taking BONUS to celebrate CNY. But differ to me, I have to use BONUS to paid the owing amount from bank - credit card! I really hate it! That's why even my upcoming manager said: dont use credit card for everything! So got to do insurance business!
I have to stop here, my boss just arrived. See you in facebook.
Your 'kawan'
Twist
21.1.2010
Gong Hei Fatt Choy & Happy "ROAR" year!
I just finish my sales last December, but still able made a steamboat with my family member & friend, one word to describe - fantastic!
Aussie, how's your life there? Hope you & your family are fine. For timing, now i will be taking the exam - PCE (pre-contract examination) as starting a new field for me. I would to inform that - I will CHANGE JOB/Career this year! This year! And... I still single. How about you? Do you able to find a sexy Aussie? If ok, she must be more shorter than you (172cm), you know what I said, just joking.
Did you heard & read any news regarding Haiti Earthquake last week? That's terrible, sad, petty, helpless & many things that I dont know how to said. Even the Home of President was collapsed! Oh My God (OMG?!)
Do you remember teh tarik & MILO? Now a days, I started to drink blank water than teh tarik when I took breakfast outside. Why? Sugar price will increase! Somemore blank water may save a lot of money. All drinks related to sugar will have a price lifting! And my bak ku teh also couldn't avoid the price increasing. Luckily, Malaysia imported pork from oversea. So we still may have a affordable price pork. Because of terrible cold weather in north part of Earth, we will have a pricy CNY. I think it will also same to you in Australia.
Remember Auntie Liang lui next door? She finally have a Mykad since long waiting for 30 years!
Even she is just our neighbour, but we also congratulate to her. Just read the news today, many senior citizens went to Putrajaya to attend interview for getting the Mykad. Hope they may get the Mykad ASAP!
As normal, all the workers (including me) are waiting one revenue of the year - BONUS! But I still dont know what is the condition now (even though I am a branch manager). Same to others, most of people will leave the company after taking BONUS to celebrate CNY. But differ to me, I have to use BONUS to paid the owing amount from bank - credit card! I really hate it! That's why even my upcoming manager said: dont use credit card for everything! So got to do insurance business!
I have to stop here, my boss just arrived. See you in facebook.
Your 'kawan'
Twist
21.1.2010
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