Commercial Mortgages

Some of my friends at my age have started their own business, some worked on IT, and some worked on other industries. However, there are so many risks and challenges in front that you would need to face with and overcome, especially for those who quit their own job and contribute themselves in a whole to build up their company, which need a lot of sacrifices and commitment.

Besides the capital issue, before you can start your own business, one of the things they would worry about is the Commercial Mortgages. It’s not easy to get a mortgage unless you have enough properties or assets. Furthermore the complicated approving process and multi-level procedure from the bankers also might have troubled you and cause you much inconvenience.

There are so many considerations you have to think about for business or commercial mortgage, for example the figure, the term for the payment, and how much you would need to pay for each year or month. Of course you need to plan it properly before you make your decision because it’s normally a long-term payment, you have to make sure your business stability and continuous revenue to support you.

For bankers or the service providers, they also need to set some criteria for the lenders, it’s not a small amount after all. But if you are not very good in it, you always have chance to seek advice from the experts.

Signed up streamyx...... FINALLY!

Finally, I've submitted my registration form.
Finally, I may have a broadband at home very soon!
Finally, I don't need to 'drink a cup of tea, eat a pao' while surfing the net (too slowwwww)
Finally, I may have chance to access Facebook and Friendster at home (while now I'm not 'allowed')

But, I still need to get modem installed and get the line activated before I can really 'enjoy' the broadband service.
When will it be? Ask my brother.

Credit cards for bad credits

As credit card application is getting much easier, for those not good in controlling their expenses like youngsters, easily to turn into bad credits. Or for some businessmen who suffer from the economic downturn and downgrade their credit ratings, they would properly need a bad credit credit cards to help them to carry them through the difficult time.

Last day in February

Actually nothing special for this day. The only thing that make today special is it's 29th of Feb, which is ONCE in every 4 years. If really want to mention something special on this day, maybe can say I was going lunch in a new chicken rice shop at the business center with my TL (however, it's not good enough...). And I got a call which took me 40 mins to troubleshoot but unfortunately it's still not solved. Later on when my parents come and pick me up, we will go shopping, of coz with the little baby boy... ^_^ Hopefully tomorrow can have a deep rest....

Manage your money properly

My first ‘debt’, actually started before my 20, when my dad used my name to buy my first insurance. Of course I didn’t start to pay until I had my own income, until now it has become my main debt.

Nowadays it’s not easy to avoid debt. People wants to buy cars, buy houses, pay insurance, credit card bills, some even has lots of monthly installment items and monthly membership fees needs to pay. If you stayed alone or not with your family, you might need to pay for either house loan or rental. All these are counted as a ‘debt’, because you need to pay for them every month.

Just because we can hardly avoid debt, it’s very important for us to know how to use our money wisely, of course having proper Debt Management. If you couldn’t manage it well, you may take the risk to go bankrupt.

Many people especially youngsters and businessmen are going bankrupt because can’t afford the debt; For businessmen, it’s because of the loans or other debts. For youngsters, surprisingly, it’s because of the credit card bills. As the application of credit cards is too easy, they just swap and swap so ‘happily’ until they forgot they actually need to pay for them. That’s why currently many credit card service providers have considered about restricting the criteria.

Night shift

To be exact, it should be "evening shift", because the working hour is from 11am till 8pm. Sometimes I prefer working on this shift, because it used to be peaceful and calmness in your last 2 hours before you off work. But unfortunately, somehow I'm quite afraid to go back in the dark night, because it makes me feel very unsecured, maybe it's a side effect of watching too many horror movies? :P

I just take the replacement for evening shift on Thursday and Friday only, next week will back to normal. And another thing I like about this shift is... I no need to be the 'tapao' girl to do lunch delivery, it's their turn to deliver food for me... hahaha!

Finding a job

I still remember how hard I've been through when I was first graduated and looking for a job. I've attending not less than 10 job interviews before I got my first job. Same thing happened when I quitted the first job and found my second job. It's really not easy when you do not have a wide communication network and proper experience for job hunting.

There is actually a more effective and efficient way to find a job rather than targetting only at the vacancy advertisement, you can seek advice from those head hunting experts. If you are interested in risk management jobs, you may try to find your job from A.E. Feldman Associates, Inc. They are focus on the recruitments on financial, accounting, legal, communcations or technology and luxury products areas. Try your luck and you may find your dream jobs eventually, who knows?

Do you want more information about a family member? Trying to find an old relative? A people finder from our company can help! Turn to our website for all of your people search needs.

Still very busy

Don't doubt it, I'm really so busy during my working hours. I don't even have much time on the net as much as I used to be. So many people said our team is very 'free' one, it's because they haven't really done our work yet. Our workload is not depends on how many tickets we have opened and how many calls we have received. It sometimes involve a very complicated troubleshooting and escalation process. Furthermore, I've spent half of my working time on the newcomer's training today.

I decided to go back earlier (actually still 1/2 hour after my working hour) today, because tomorrow it's my turn to work on afternoon shift.

My poor nephew

The poor little fella, kept getting mosquito bites in these few days. We feel so sorry for him when we saw all the red spots on his body, hands and even head and face. Even if the bites are recovered, red spots will turn to dark spots. So now you can see there are lots of stain-like dark spots on his legs and hands, luckily not on his cute little face.

Because of this, my parents have changed a new mosquito net at their room. But still, maybe the fan is facing to the net, mosquitoes can still sneak in, at least it can help a bit.

My dad said, the population of the mosquitoes is growing during the dry season. Finally there was a downpour today at my place. Hopefully the rain will washed out all the wigglers and eggs so that they cannot reproduce anymore. And leave my baby nephew a peaceful and safe days.

p/s: we can't imagine how his parents will react when they saw their precious little son being 'tortured' by mosquitoes like this...

It's your right to claim

We always read the news about workspace accidents and car accidents in the local newspapers, besides how many victims were involved in the tragedy, we also found that, in fact not many victims knew how to claim their compensation, especially where the responsible party has higher legal knowledge or higher educated people who knows law more than the victims.

But of course, how much a person knows about law is not solely depends on his or her educational background, nowadays not even a university graduate know much about laws, especially when it comes to human rights and labour law.

Fortunately, there are many professionals who are willing to assist for these people. They can help you on any Accident Claims, no matter what situation it is, and who are the person you are dealing with. They work as a legal aids, have helped a lot of people to get their compensation while they are really deserved for it. Sometimes the victims gave up the claims, not only because they're lack of legal knowledge, but also they're afraid of the authorities or wealthies. That's why providing them a appropriate assistance will make them feel more secure, and can stand up and claim for their right.

Never Ending Story

I thought that after the main person turned up and apologized, the thing can come to an end -- at least for temporary. But what out of my expectation was that, there are still tens of thousands of unexposed porno photos and videos found in his computers, memory cards, and CDs.

Gosh! What so unbelievable is that, how come this guy could be so attractive and 'powerful' that, can get more than 10 ladies undress for him?! It's not only the "very naive and foolish" girl, but also including some quite famous celebrities: models, singers and actress. Were they really that "naive and foolish"? or this "prince charming" really too hard to reject? Did they ever expect this day would come and harm themselves?

For those ladies whose name and photos were still not published, what I can say is wish them good luck and be more careful in the future. However, when you thought this case will alert the public, the police just arrested a young couple that taking porn photos for each other... Faint! How are they going to learn a lesson?

Training courses online

In this high competitive world, if you want to find you feet in the crowd, you have to be strong, either in personality, skills or education. Personality, sometimes it's born to be, but also can be learnt from experience. But knowledge and skills, you have to learn by your own. That's why good self-learners have more advantage than those always need to work under guidance and supervision.

You have to take initiative to learn, better than waiting for others to tell you what to do. It doesn't matter if you don't have high education background, but how you learn and what you learn now and in the future.

Nowadays there are so many training centers around that can provides you variety of courses, depends on your needs and job requirements, such as a Sales Training for sales person.

I haven't taken any official courses yet, but I did joined a 3-day short course years ago. It was a course targeted on secretaries and personal assistants. No doubt they really have a strong trainer with interesting and lively training methods, let all the trainees enjoyed the class and had a happy time ever. However, since it's too short, even I've really concentrate in the class, I still can't really remember the whole thing after that, not to mention apply the knowledge to my work. That's why, an effective and practical training method is very important.

The Apprentice Season 6

The finale of The Apprentice Season 6, which was in 2005 has been shown on last Sunday night. Or to be exact, it was Monday morning. I don't know why the station wanted to put the show at this dead of night (12:30am) (or morning?), maybe the audience rating for the previous show wasn't very good, that's why they decided to put it at midnight? or it's because they targetted on the audience that mostly cannot sleep at night?

It's the most recent episode of the show broadcasted in Malaysia so far, although it was 2 years ago. What so impressive about this episode is, a Korean-American James Sun, made it up to the final 2. The previous winner, was a British, now a Korean native. It really proved that Donald Trump really had the quality to accept different kind of people -- ability does matter, regardless of where they were from.

However, I do prefer Stefani than James. Trump has made his best decision.

Have a nice dream...zzz

My friend has a Grecian bed in her master room, where 4 poles at the corner with 4 beams attached. If it covered with soft, transparent and light voile, it'll be more like a princess room in the fairytale castle. But of course it's still quite far from that.

Having a nice-looking and comfortable bed in your room, will make you feel relief and peaceful. Bed is the place where you take a rest and have a nice dream after a long day work or activity, for sure everyone is expecting to get their own "dream bed". If I'm going to choose one, I would probably looking for valbonne rattan - french style beds. Its European-designed come with the idea of the Louis xiv to Louis xvi, will bring you to back to the ancient world, and makes you feel like a king or queen yourself.

And also, don't forget about the Oak Beds, where it's made by a firm and tough material, long lasting as well. It's nice wooden color gives you a natural feeling, and warm feeling, bring you closer to the nature. You can choose from light oak to rich deep dark oak depends on your own preferences.

Where can I get my interims?

If not reminded by one of my old friends, I also didn't find that my PR actually has moved to 1 now. No wonder suddenly I can find so many opptys available in the list. However, PP always require a interim, that means, personal posts in between, it's really hard for me, even if my friend always said I'm a 'xian jia', can write anything at anytime. But you need to imagine, the situation is quite difficult especially when you're busy, or the network performance is slow.

I'm still thinking of a way on how to increase my traffic, but from the hit counter shows, it seems that the readers are increasing, hopefully it's not because of my own hits or somebody has kept clicking and refreshing the page. I don't have many 'comrades' that joined the paid blogging thing as me, but as far as I know, some of them already become high-ranked bloggers now. I'm still in the beginning of it. Gambateh~~!

Marketing Solutions

I have been working as a Help Desk support for CRM systems for more than 2 years, so it's my job scope to deal with the sales and opportunities everyday, and knew how to create opportunities for your sales and how to manage them throughout the sales cycle. We are doing technical support, but there are some other business support teams who will help the sales people to get their leads or opportunities.

If there are other sales or the company owners themselves would like to seek more information and assistance about how to generate sales and opportunities, they can seek advice from Uk Telemarketing. They are formed by a group of marketing and sales experts, which provide a full package of services, including appointment making, lead generation, database cleaning and management, customer maximisation, sales training and market research. With their help, you can plan and work on your marketing campaign in the most efficient way, and focas on product or service delivery and customer satisfaction.

As for telemarketing, it's not an easy job because most of the people resist for it, especially when they are busy at work or doing something else. It's also important on how are you going to start your sales and marketing. From the experience of supporting the CRM system for these years, I found that it's better for you to eliminate the redundant and complicated processes or steps to help you on deliver your sales.

Congratulations, Oscar!!

Finally, Oscar could be 'released' from the Writers Guild of America strike. The strike ended, the show went on, everybody lives happily ever after. All the celebrities got themselves dressed up and perfectly groomed, and showed off their great appearance in front of those cameras.

The winners for this year...... I'm sorry but I have to say... I don't really know the most of them. But you can't blame me, most of them are not shown in Malaysia. I only know: Enchanted, Atonement... others I haven't even heard of them. Of course, it doesn't mean that I don't agree with their achievements. However, I still miss those years, while Titanic, Lord of the Rings, Crouching Tiger Hidden Dragons were sparkling on the stage.

Congratulations to the Winners! Congratulations to Oscar!!

Black Friday great deals

Last year was a busy year, especially year-end. I couldn't even have time to celebrate my Christmas and New Year. Pity, wasn't it? I thought I should have great celebration on Christmas and year-end countdown, but unfortunately it seemed that I didn't have time for that. What was I busy for? I also couldn't remember, I just remembered I even have to work on Christmas day.

Fortunately, there are always many helpful resources that could help you on this. I couldn't have a great Christmas celebration, but at least I could manage to get some great Christmas presents for my friends.

I did sign up for the email alert from blackfriday.info, although due to geographical limit, I wasn't qualified to get the offers on the website. However, I could see how effective they are while I did receive their email alerts timely, whenever there is a new ads were posted, they'll notify you. And best ever, you don't need to stand in a long queue for great deals.

If I have a chance to get the offer from the chance to shop there, I would properly go for Walmart, the retailer that I can definitely get a variety of gifts, from reading materials to electronics. It's an ideal place to shop for your Black Friday offers then.

Back to Combat

It's been almost 3 months I was away from my Combat class, I didn't even attend any clubs for since last November -- if not mistaken.

The first Combat class I joined after a long rest, really exhausted me, I couldn't even hold myself up along the class, I had to take a break in the middle, 'sneaked' out of the studio, and then went back after a few minutes. Is it a sign of aging? T_T

Luckily the next class I joined was Balanced. It's more relaxing than keep crossing, jabbing and jumping. But the stretching thing also almost killed me... ><

Guys, it's time for you to get exercise before your body get aged and regressive.

Cosmetic surgery?

The cosmetic surgery has become more and more famous and acceptable by the public nowadays. The Cosmetic surgery acceptance is also 'increasing' from time to time.

In the past, cosmetic surgery which we used to talk about breast enlargement, double eye-lid surgery, face lifting, Liposuction and so on, is usually done by celebrities. But now, even the white collars and business executives willing to spend their earnings to make themselves more good-looking.

When we talk about the most famous country with cosmetic surgery, it's Brazil in Western and Korea in Asia, but now, as it's acceptance is getting higher, it seems that many women would like to get themselves prettier ever. Which cosmetic surgery you will do if you have to pick one?

Baby's first 'trip' to the mall

Because he's a prematured baby, my nephew is not recommended to go to the public area before he's 1 or 2 years old. Therefore, he's never been to the shopping mall, market, or any other public places, not to mention about the night market (pasar malam) or any other crowded areas.

My dad never agree to bring the baby out to the public, not even to other people's houses. But today, he has been and suggested to bring the baby to shopping mall! Of course, we've done a lot of 'preparation' to protect him.

However, we're not sure if it's because it's time for his afternoon nap. He looked tired and quite all the way and not showing any excitement. If it's at night and he knew that we'll bring him out to 'gai gai', he'll sure be very excited and happy.

Wedding Website

Wedding planners are not popular in our country, but in some western countries like US, they won't suffered themselves on the wedding planning thing, they will leave that all to the wedding planners. This is good for those busy couples, as these companies have wider communcation network, furthermore they are experts on this business.What you need to do is just well prepare yourself and your family, and let them do the others.

They even provide a Wedding Website, a place with full resources where you can find almost all the things you want for your wedding, from the beginning to the end. The best thing is, it's a free! You can also seek advice from the planners. With the help from these experts, you can be sure to make your wedding most memorable and fascinating.

Blogging = money?

In these 2 days I suddenly got so many opptys and offers for me to grab, it’s weird as I have been waiting for almost a month ‘measuring land’(in paid post) already. My friend found out I’ve got so many post, after she guided me to check my ranking, I only realized that my PR has upgraded to 1, that’s why I can get extra opptys.

But no use, I can hardly write my blog at home during weekends and holidays, because my brother will be here keep an eye on me. Few months ago when I was claimed to cause his pc got infected by virus, and he had to reformat the machine, he started to control my internet surfing. Here cannot go, there cannot open. So at home, I can’t go sina net, can’t open facebook, can’t play games (coz no Flash player installed)…… the only thing I can’t give up, is blogging. It’s become little part of my income now although I actually haven’t received any money in my hands yet. But as long as I keep earning, I’ll ‘dig’ them out eventually.

Nevermind, I still have 30+ hours before the offers expired. Hopefully I can go online again tomorrow morning without his notice, because he’ll go out in the early morning. Haha! Since when blogging has become a secret activity for me?

Busy……

Today, 1 person MC, 1 half-day, another one finished work at 1… then only left 3 of us to handle all the cases. I was very busy, really. But luckily I still managed to update my posts. It’s just 100+ words after all, and because of the frequent interruption and distraction, those 100+ words had used up almost half of my working hours to finish. Sometimes you can’t control your workload, esp. for help desk, it depends on how often your users contact you, that’s why you need proper time management and learn how to do your job in an effective way, so that you can work faster, handle as much cases in the shortest time. As listening to his complaints, I was thinking, why don’t you just save your time and learn how to maximize your task?

Credit Card Selection

There are so many credit card companies in the market, and due to intense competition among those banks and service providers, now you can see more and more offers, bonuses and rewards are giving out by them. All very attractive until you are scratching your head, don't know which one to choose.

If you can make comparison among different offers and companies, it would make your decision and choice easier. There is a website provides such function, it allows the consumers or businessmen to search for the credit card, and make comparisons, even apply too. You can find various types of credit cards, from personal to Small Business Credit Card from the leading companies. It's good to think before you decide.

Regret?

It’s been almost a week since I’ve made the decision, but the more time it takes for me to wait, the more I worry about it. There are so many things I have to think about: Do I like the working environment? Do I comfortable with the people? Will the job be boring? In this team, I can learn the whole CRM applications, but over there, it’s just one single application with so many tasks and projects. Report. Yes, the main element there, is “Report”. I’ll be more dealing with words than applications, is it what I really want to do? But at least, it’s a “management” team, this is the first thing I consider. I can’t be a ‘operator’ for lifetime, I have to make a change, I can’t even go back to development, so it’s better I turn to management……

Future, is something that really unknown to you, that’s why people always worry and scare about it. It’s like a door, you won’t know what happen behind the door, unless you open it, and step into it. But it’s no turning back, once you’ve made your move, you have to go forward… No matter what, I think it'll be a hard time for me.

Which one can be the mortgage?

If you want to buy a house or property, there are so many things you have to think and worry about. Besides trying to get the best rate for house loan, Mortgage is another problem. It's always not a easy and simple decision. In the survey, it's nearly two thirds of homeowners are struggling on making the decision especially in time constraint. The rate is one of the factors they have to consider.

However, among all the available plans, the most popular is still the two-year fixed rate deal. Of course, if you are still can’t make the decision, or you need further assistance or advice on this, you may always look for the experts to help you out.

What happened to our society?

Cops: Five-year-old girl was strangled to death

This morning when I read this news in the local newspaper, I was a bit shocked. This is not the first case happened in Malaysia, first was Ying Ying, then Nurin, all being tortured before they died. How could these culprits do such cruel things to the cute little girls like they are?

Now the suspected killer for Ying Ying has hanged in the prison clinic, the killer of Nurin still hasn't found yet. Before they could rest in peace, now another case happened.

Child abuse or even murder is a serious issue in our society. If we don't take some action to either educate the people or punished, I'm afraid there will be more children become victim in the future.

Beauty Jobs

In a few years ago, my sis and I attended a Beauty Expo in the town. In the exhibition we did saw a lot of beauty shops, salon, spas and so on had setup a booth there to promote their service and company, some giving out samples, free trial or discount vouchers to the people, but most of them were targetting to the salon or spas owner for selling their equipments and tools.

At that time, we were actually impressed by their latest spa and facial treatment, but both of us also understood that, it's not what we could afford, what we got in the expo, is only a treatment voucher with promotional price, RM69.90. After leaving the place, I had a discussion with my sis, if we couldn't afford to be their customer, how about we get a spa jobs? At least we can still stay there and enjoy the environment, who knows maybe we can get cheaper staff price too!

Blog Blog Blog... xN

I thought that I'll never get any post from P3 in February, until today I saw there are 3 opptys released. Since P3 requires 1 interim between 2 posts, I have to wrack my brains to find what should I write. So after I finished submitting all of them, I've already written 6, 7 posts.

Justnow I saw another oppty in the list, but when I clicked into it and tried to earn my last 5 bucks before I go to sleep, I saw this message:

"You have reached your maximum posts for today."

(crying........)

crazy overtime

It's already dark, and I've been staying in the office for more than 2 hours after my working hour and it's not because of the surfing, it's because of work.

There is 1 person on leave, another 1 half-day, and we didn't expect so many new cases came to us. I've taken the responsibility to assign them, as there is no other better choice, and it end up I had to do most of them. Why? I'm really bad on delegation, and not very good in monitoring. I began to understand the situation and not envy on other people anymore. It's not an easy job after all.

I've never worked so late before, of course one of the reasons is I have to wait for my dad to pick me up in the office. Yet it's not the longest OT I've done, I had worked for 4 hours OT last year, just never this late.

Beautiful garage for beautiful house

When I watched the English TV programmes, I'm always admired by their big and nice houses, especially like those in US suburbs, Australia and Euporean countries. They are not only big in size, they even have a garages next to their house. a garage can be a parking space of your car, or as a car repair station or a storeroom to put all your garden equipment, toys and other tools. Different from just a small open area in front of our houses, their garage can be an independent building or as a part of a house, with covers, doors, and walls.

If I have a chance to live in that kind of big houses with garage, I probably will get it well decorated and designed. The Apex uPVC with Buff Brick Pillars could be one of my favourites, but it's better if it could come with the now steel framed up and over doors. I may choose brighter colors to make it looks cleaner and nicer. We are staying in a tropical country that rains a lot along the year, so it should be erected to a few inches to avoid waterflooding.

As I take a look on the Sectional Garage, I was impressed by their gorgeous designs. It can be custom-made while you can choose the alternative design options if you want to have your own designed garage. How wonderful it will be if I really can turn it into a reality.

The end of Edison Chen

Finally, the main person for the porn photos issue has turned up in a press conference, as everybody expected. He admitted all the blames and decided to quit the show business. But trust me, it won't finish at this point, as it has involved so many people. How about the other ladies? He should have thought of the consequences before he did it.

Yet I also believe that it's not his responsibility only, as what the other 'victim' has confessed that they were not forced to take those photos, and there are still much mistery behind the 'scene'. And who is behind all these? Is there a person or a group of people? What do they want? Just spoilt their name? for money?

On the face of it, it's seems what he told is the truth and it's everything though I suspect there is something behind unknown by the public. It's a great challenge for the HK police, just see what they can do after this.

Hong Kong Actor Chen Quits, Admits Web Sex Photos (Update2)

Banks as a 'safeguard' to customers

It's been realized that, due to the economic downturn, loans have become a huge burden for most of the debtors. And the gradually increase in the rate of inflation also caused the rise in prices. Saving somehow becomes impossible for most of the people, when we need to spent more on our daily expenses and monthly bills. Hence, if you're plannig to buy a house or car, looking for a Secured Loans will be your first priority, of course you won't want to end up with your properties in auction because you can't pay the loan.

According to some economist or personal finance experts, the financial service provider, for example, bank, has the responsibility to help their customers on how to plan their money, refer here. Financial planning is important for both bankers and customers, because the stability of user's financial status will bring continuous profilt and business to the bank itself, it's a win on both sides. Nobody wants to pay for the lost after all.

If you need to view some other loan news that will help you on planning your loans, you can refer to Magic Loans. You can get many news regarding loans and other financial information from the website. Please prepare yourself properly before you get yourself into financial crisis.

iPhone maniac

At the beginning, we heard in the news that the new technology and how amazing about it and everyone started to expect for it; Next, we saw that how people were crazy about it until got into a long queue just to get one for themselves when it finally got into the market; Later, another news saying that this new product actually has some limitations, even could harm people.

Nevertheless, one of my friend still very crazy about it. The more he saw on that thing, the more he loves it. He has asked his friend in US to buy one for him when the friend comes back. The bad thing is, it's still not sold in Malaysia, no mobile network is supporting it, but don't worry, there are still many people with high-tech skills know the way.

iPhone maniac, is start spreading around.

Manage your debt

Nowadays as credit card application has become more and more convenient and easier, many people has at least one credit card on hand, and many things can be paid by instalment with credit cards. However, if you are not good in financial management, you will get a lot of debt and even worst, some end up going bankrupt. Furthermore, many young ages start to own a car or property, they'll sure have to carry a lot of debts. In fact, living in Malaysia is not so easy especially for those people with average earnings. That's why, having a good Debt Management Plan is very important.

I don't buy any car, house or any other properties to avoid paying debts, however, it's not the permanent solution as I still need to get my own car some time in the future. If you have so many debts on hand and struggling to clear all of them, you can try to seek assistance from the experts so that they can help you to handle it, even to clear your debts hussle-free, and avoid bankruptcy. Of course, the best way is to manage your finance well, have a proper planning for your expenses. It's always better you know how to spend your money than become a debtor.

Lost of a "Happy Fruit"

I was a bit shocked when I read the SMS news from my mobile. We all worried about her health since she fell sick, especially her situation became worse during CNY. According to HK media, she need to clean her liver everyday, and after long time treatment, she always lost her consciousness while in the hospital.

Although everyone believed that she's unable to hold it for long, but we still feel sad when knew that she finally could not make it and left. Lydia Shum, is precious to the show business, especially her big laugh and cheerful personality have made her the "happy fruit" to the audience. If you knew how she's been through for all these years, you'll be impressed by her braveness and perseverance.

Now she has left, but her laughter and everything of hers will remains in the heart of her loved ones. She'll never be forgotten.

Flowers in a bulk

Nowadays with the popularity of the online services, if you are having a wedding party or group dinner, you can get variety of fresh flowers including wholesale roses in a bulk with cheaper price and better services.

Besides delivery, they also have the experts to help you on the design and decoratios. It comes with a whole package, it reduces your work for the event preparations. With overnight express shipping directly from the farm itself, they can guarantee that your flower will stay fresh and beautiful for the whole day long. So if you are planning for any event in the future, why not you try on their service and you will find it's very convenient.

Career dreams

My friend whom went to UK for working holidays have come back and settled herself, finally she found a job here. The job she got, is the one which I'm always dreaming for -- IT-related.

I always tell my friends I'm still not giving up to 'return' back to IT line, but it seems that I'm not taking any action or making any effort to achieve my dreams. I'm lazy, I admit that. For a person that don't even know what's the latest spec of a pc or what's the latest technology, is almost impossible to say they wanna work in IT field.

Many of my friends are IT people, in their opinion, it's not so difficult to get an IT job, I can say that it's probably my problem. Actually I'm still not really sure about my career path, either keep trying to 'return' to IT, or explore my another career line in customer service or call center. It's a hard decision for sure as it'll determine my future, moreover I'm not that young anymore. Who knows, maybe "housewife" can be one of my options too? :P

Election! Election!

After making a guess for so many months, finally the date has been set for our 2008 General Election. Unfortunately there are still many people still not aware of the importance of voting, they just keep a none-of-my-business attitude until there are some policy or rules really involve themselves.

All the candidates from different parties are busy going around, meeting their voters, showing their passion and enthusiasm. You can see some of the 'good news' are announced, and some requests that were pending previously have been taken into consideration.

Regardless of siding to which party or which part you support, actually it's quite interesting when you see the interactions and reactions between the politicians and the people. And I'm really curious what kind of breaking news we will have in the coming days.

Beach vacation

I'm not a good swimmer, I even don't know how to swim. However, I really like the beachside scenery, especially when you are in a vacation together with the sun and beach, it's such a relaxing and enjoying experience.

Caribbean is famous on its seascape, it's fasnicating especially when you can take a vacation on white-sand beaches of Riviera Maya. It's a dream for all the beach or sea-lovers, while admiring the view, you can also take part of the aquatic sports, Spas, crystal-clear sea waters. In the Karisma Hotel, you can enjoy all these activities and also their full facilities that can make a time of your vacation.

Dinner

Why I didn't update this blog for so long? coz it's been some time that I haven't got any offer/oppty for paid blog... T_T I wonder if they also celebrating CNY... it might bcoz I seldom online at night, all the offers have been taken, couldn't wait until morning.

Just had a dinner with my co-workers, can say it's a CNY gathering, coz we got 'lou sang'. Don't be surprised, it's just my second time for lou sang. I don't really enjoy the ingredients actually, but I did enjoy the way how we tossed and mixed the food high to the air and shout out loud with lucky words.

There is a what I called "challenge" is put in front of me and it's depend on my luck and effort of course to grab it. I'm quite afraid actually, afraid of the unknown future, afraid of the new environment, afraid of change... but as long as it's a chance to step forward, rather than keeping yourself in the same place forever. I'm not the only person that offered this oppty, I need to 'compete' with another one. However, no matter it's a succeed or not, at least I've tried it.

Baby's 2nd travel

This is the second time my nephew travelled to other state. First time is in CNY eve, my sis and her hub brought him back to Melaka, my brother-in-law's hometown. This time, he's travelling to Ipoh, my grandma's house (mother side).

Travelling a long way really not good for baby, especially he's still young. But luckily he's still able to adapt himself during the journey, just a bit fuss on the midway and his mom had to carry him to my mom.

He's such an adorable and lovely baby that he's happy for anyone to carry him, and responded with a wide smile. He has made almost everyone happy, including his 3-year-old cousin (actually is my mother's elder brother's elder son's son), and his 90-year-old great grandma.

Having a baby in our family is such a wonderful thing, especially when you see their angelic smile and voice. However, there are still so many people doesn't like children, they think children and babies are 'little demons', very noisy and disturbing. You need to bring your love and patience when you are with the little ones, you'll find a heaven in their world.

A gathering waiting for 10 years

It has been 10 years since our last gathering, I also couldn't expect that.

We used to be taking the same school bus when we were in primary school, every morning and afternoon during schooldays were our play time. We were so closed together until before we left the school, we promised that we would have a gathering 10 years later, during the mid-autumn, back to the school.

Unexpectedly, this promise which for most of the adults would take it as a childish behaviour, has been realized. In 1998 autumn, we have fulfilled our promise, we had made it to have a gathering, we went back and to our alma mater, just as what we promised.

But the more unexpected thing is, after that we have not met for 10 years, if it counts from the day when we first knew each other, it's been already more then 20 years! Unbelievable? 20 years has passed like in the twinkling of an eye.

Many things have changed in these 20 years, we are no longer same as before, we don't even have any common memories among us. I even doubt that if there is anything that can still pull us together. However, it's not easy to keep a friendship for 20 years, we should treasure what we have.

Before we went back, some asked what would be our next gathering, it can't be another 10 years again. I hope not. I'm always be the organizer for this, just see what's our plan. Being an organizer is not an easy job, at least you have to spend your time and money (making phone calls). However, it's good to help keeping us together.



Here are the 5 of us. There should be 6 of us, but Yee is uncontactable during this years. I'll try if can get contacted with him. Meng, Desmond, Siew Moi, Jack, thank you for coming and I hope I still can see you guys in our next gathering.

John Rambo

It has been 26 years since Stallone played the character John Rambo in the first episode of Rambo: The First Blood. This legendary hero has become the icon of a one-man fighter in the future, whenever there is a man who can fight with 10 to hundreds of people alone, we called this man -- Rambo.

I can't remember the story nor even any scene in the first 3 episode of Rambo, but his muscular figure and cool-looking face will always be in my mind. And it has become the reference for the future movie, how the hero should look like.

I wasn't so interested in this movie before we watched it, but we only had limited choice at the time. However, it has impressed me only in the first few minutes in the beginning of the show. Especially when you saw Stallone came back with his unique, one-and-only Rambo spirit. Yes, he's old, his movements might not be able to compare with those time when he was young 20 years ago, however, it's undeniable that, he's still the "Rambo" I remember and no other can played Rambo as much as he could.

This movie is a bit bloody, all hands, arms and legs 'flied' here and there, body splitted in the gun shot or bomb attack, blood splashed everywhere..... but it'll recall many of their "Rambo memories".

Rambo, still can rock the cinema~~

Coming back from CNY holiday

Happy Chinese New Year !!!

This is the first day I came back to work from CNY. I really had a very rushing CNY for 2008, not enough time for prior preparation esp the decorations for my house. I even just bought the hanging ornaments yesterday... =.=" I'm responsible for the CNY deco every year, it's better late than nothing.

Housekeeping is another work I wasn't able to finish b4 the CNY. I always busy on work, and when I had some free time, I need to go out or I rather took a rest. I don't like this feeling actually, because keeping your house clean also will make yourself feel more comfortable while staying at home. But pity, I couldn't make it.

I still don't have time to go 'bai nian' this year, there are not many visitors to my house neither. But we had a group of 'mostly unexpected visitors' this year: my cousins. or more specifically, those cousins whom rarely contacted after my grandma passed away. And actually our families had some conflicts previously. So their visit really surprised us.

Gathering, of course is a very important activity during the CNY. But I just managed to meet with my primary school friends on last weekend. Maybe there will be another one soon.

Nevertheless, I wish all the BEST in 2008~~!!

These pineapple-shaped hanging ornament I bought only on the 3rd day of CNY



The red packets were hung on CNY eve and also the CNY first day. Still looking good coz no raining.

Gong Xi Fa Cai~~!!

Wishing You ALL a Happy and Prosperous Chinese New Year! May the Year of Rat brings you all the Lucks, Health and Happiness throughout the Year!

Compensation for accidents

I have read some stories and news about road accidents and workplace accidents, where the victims or their family were having difficulty to get compensation. As most of us do not have enough legal knowledge to understand our rights and what we can do to get our claims back, for some people they will seek advice from their lawyers or any legal aid department, however, there are still quite a number of people just gave it up because of the poor knowledge about law.

Actually there are many legal aid website we can seek assistsance from, for example San Antonio Personal Injury Lawyer. They help the injured clients to work on this kind of cases, including auto accidents, motorcycle accidents, workplace and construction site accidents, etc. If we could get help from the professionals, we can avoid troubles and get the claims back much earlier and easier.

Approved finally!!

It's been taking soooo looooong for my blog to get approved from the site. And finally, after using their "Contact Us" to remind them for twice, they notified me that my blog is approved. Now I get one more site for paid post. It's good not only to get paid for what I like to do, it's also one of the way to improve my English writing.

Today I got the first one. Just see how it goes in the future. Gambateh ne~~~

Singing baby

Get your own playlist at snapdrive.net!

Since he was 5-month old, he likes to make some singing-like sounds especially when he's having a bowel movement or before sleep. I thought it's a unique character for my nephew, but actually according to the web, it's normal for the baby in this stage. Listen to his singing, isn't it sweet? :)

Gold investment

Since long ago, our ancestors have believed that, buying gold is a good way to maintain your property values, and you can even make an investment. Gold is something that will not rust like other metals, and its price is getting up from year to year, turning your wealth to a gold will help you to keep your property in the best value.

Nowadays, not only the businessmen or investors understand the value of gold, even the housewives and and white collars are involved in the gold investment. It's easy to carry, and you can trade it all around the world. I'm still not qualified to get the investment now, maybe someday, gold will become one of my property too.

Fight...

I can't say today is a happy day. But I believe with my optimism, I can overcome all these before dawn. Actually I have put that behind of my mind when I started to arrange the gathering in the coming CNY.

Sometimes, the situation will make you feel yourself is not valuable within the community. It's disappointing when you think that your contribution is enough for you to play a important role but in fact it's not. You are still the "one of the normal", not much than that.

I tried to make a change, somehow thing doesn't turn into what I expected. And the end what you can change is just your mind, change how you feel and think. It's hard because you have to fight with your mind, you know that you're not satisfy with that, but you have to stop your negative thinking. Keep youself up and not to be influent by the bad things and people. I have been working on it for the whole day, it's quite tiring.

I have my own reason to keep myself fit in, but it doesn't mean that I love to be in that way. I can't change the situation, just mind my own business. The only thing I can do now, is to do my best on my own, without giving others chance to pick holes in my work.

I hate to put myself into such a situation, but what can I do?

Welcome Back ~!!

After about 2 weeks of MC, my colleague who had got Denggi finally came back to work.

We were so 'excited' while seeing her stepped in to the office, all welcomed her with a great happy face. It's been so long she didn't come to work. We didn't even see her during these 2 weeks because of the weakness of her body and lack of energy, we couldn't even visit her. Just sent her a fruit basket as our regards.

I had lunch with her in the afternoon and she dropped me off somewhere when we went back, so we had some time to talk. She still looks a bit weak and not enough energy, however, it's still glad to see her back to work.

Welcome Back, KL!!!