Happy Independence Day Malaysia

In conjunction with Malaysia’s 52th day of Nationhood, I would like to share my write-up on “Why I Love My Country” which was published in the Sunday Mail on 1 September 2002.




Happy Reading!

Merdeka! Merdeka! Merdeka!

Happy Independence Day!

Happy Holiday!

The Life Quotations

“Share your life experience and the world would share everything that you want with you!” This my quotation for life.

Below quotations are some of my favorites:



“Only a life lived for others is worth living.” - Albert Einstein

“Don't judge a man until you've walked two moons in his moccasins.” - Michael Jackson

“Learn from yesterday, live for today, hope for tomorrow.” - Albert Einstein

"What is this life if full of care; we have no time to stand and stare." - W H Davis

“You can have everything in life you want if you'll just help enough other people to get what they want.” - Zig Ziglar

"I always like to look on the optimistic side of life, but I am realistic enough to know that life is a complex matter." – Walt Disney

Easy to Prepare Meal

I like to pack my lunch at home and bring out to eat either I’m going out for business or I’m taking my children out for leisure.

Some food can be prepared and store in container for future use. Examples are fried anchovies, peanut, sambal and salted fish. Many fresh vegetable and fruit can be used to make your meal more attractive and not too dry. Examples are carrot, cucumber, pineapple and sengkuang. The best part is it does not need to be cooked.

Whenever I’m rushing to go out and food preparation time is limited, I just take the leftover rice, put a bit of peanut, anchovies and sambal, cut some ready to eat fresh vegetable (eg sengkuang or cucumber), garnish it with some sesame, and here I get my own version of nasi lemak or I would like to give it the name of “Mixed Match Rice”

Today I would like to share one of the Mixed Match Rice that I took out to eat with my son:

Seaweed Pineapple Ham Rice

Ingredient:
• Rice
• Pineapple (cut into small cubes pieces)
• Ready-to-eat Seaweed (cut into small pieces or crush it)
• Pre-fried Ham (cut into small cubes pieces)
• Sesame
• Hard-boiled Egg (in any shape of your preference)

Note: I didn’t specify the weight or amount of the ingredient above as you may use as much or as little as possible. It is all depend on your taste bud and your preference for certain food than others

Method:
Mix the above ingredient together. It is nice to garnish it with a bit of parsley and raisin.

Simple isn’t it?

My two years old son simply loves it.

I even prepare some watermelon so that we can enjoy 2-course meal. I also bought along a box of soya bean milk so that it looks like a complete meal that we order at the restaurant.

REITs (Property Trust Funds)

A REIT is a collective investment vehicle (typically a trust fund), which pools funds from investors to invest primarily in a portfolio of income-generating real estates.

Let me explain it in a more simplifier term.

I have RM1,000,000 but I wanted to own 100 shop lots in 100 different location in the world. Possible? Of course, with REITs, I may do so. I bought property fund example Hwang-DBS Global Property Fund and automatically I become the joint-owner of (for example) Fashion Valley Mall in California, Rockaway Township in New Jersey, Starhill Shopping Gallery in Malaysia etc.

I do not need find the tenants and take the effort to collect rental as it will be paid to me in the form of dividend each year (or sometimes twice or four times a year). I do understand that with current economy crisis, the property that I owned may be undervalued that my initial purchase price but I don’t care because my objective is to own the property as long as I think I wanted to and I still collecting rental from it. I also do not have monthly commitment to pay the bank for property/housing loan as I do not need to borrow money. I buy what I can afford.

Property Trust available in Malaysia:
• AmPan European Property Equities Fund
• ING Global Real Estate Fund
• AmGlobal Property Equities Fund
• Alliance Global Diversified Property Fund
• HWANGDBS Global Property Fund
• Public Far-East Property & Resorts Fund
• OSK-UOB Asian Real Estate Fund
• AmAsia-Pacific Property Equities Fund
• MAAKL Asia-Pacific REIT Fund

Happy Reading!


Note of Disclaimer:
The above illustration is just an example the help readers to understanding property trust fund. It should not be construed as and shall not form part of an offer or solicitation to buy or sell any unit trusts. Before you decided to buy unit trust, please consult the financial advisor to determine if your risk profile matches the investment fund strategy.

My Point of View on the Movie: UP

I would like to thank thestaronline and Golden Screen Cinema for giving me the opportunity to watch the 3D preview of the movie “UP” on Sunday morning Aug 16, 2009 for free of charge.

It is ideally a well-made good movie worth watching and I recommend that you bring the whole family to watch it. It will be official released in Malaysia on Aug 20, 2009.

Before the movie starts, Pixar as usual will show us a short funny story. This time it is regarding clouds making babies of all kind using their molding and magic power. All the clouds make perfect babies except for this one cloud whose is always tend to make aggressive and not-so-friendly babies.

The opening sequence of Up tells the story of Carl and Ellie is so heart-warming and so overfilled with emotion. Both of them share the same dream of travelling to the Lost Land of South America but Ellie never able to realize her dream when she pass away at age 70. You see, they tried to save money for their expedition but their money were never enough and never grow because they are saving it in the jar and not investing it to earn interest or dividend. And secondly many unforeseen events happen such as money used to service car breakdown and repair damaged house.

When things got out of his control and he is forced to leave his house to stay in retirement home, Carl decided to embark on this high-altitude adventure to fly-off his house with thousand of balloons. He was shock to discover the little Russell knocking at his door after he has flew off and together (they also do not know how) they did end up in the Lost Land of South America.

Their adventure was become more challenging after they got to know Kevin, the rare bird and Dug, the talking dog. In fact, all the dogs in this movie know how to talk. There is this evil villain called Charles who wanted to capture Kevin so that he can become the greatest adventurer in the world again.

One thing that I don’t understand is why Carl and Charles are the almost same age when they met in the Lost Land. The first time Carl get to know Charles, Carl is still a small kid while Charles is an adult of age in late 20 or early 30. Maybe the Lost Land has the magic to preserve the youth of a person but the movie does not mention it. Or did I miss out anything?

If this is the first time, you watch 3D movie, be prepare that you may feel a bit giddy wearing the 3D glasses. I got my headache after the movie but just for a short while only. Maybe my brain got a bit confused and need a bit of time to adjust to it.

For more information on UP, you may find it at their official website - http://disney.go.com/disneypictures/up/


The morale of the story (to my definition) are:
a) Better late than never (Carl finally realized his dream at the age 78)
b) Save and Invest money to make it grow (don’t put in the jar)
c) Life is full of Adventure (whether you like it or not), so as well enjoy it
d) If you believe that you can, then YOU CAN

Happy Reading!

Life is fulfilling if we have A Lot of Thing to Do

As a mother, I need to ensure that my children is
a) Healthy (eat well, sleep well)
b) well-manner
c) happy
d) well-educated and add-value to the society

As a wife, I need to ensure that my husband is healthy and happy and our house is well maintained. (Dear hubby, if I left out anything, please comment)

As an entrepreneur, I need to ensure that
a) my clients’ need/objective are being met that they are happy and continue to give me business
b) I make profit year after year
c) I’m able to find solutions to any problem arisen at any particular of time
d) I maintain a good relation with my business associate

As a daughter, I have the responsibility to take care of my father, to ensure that he is in good health, physically and mentally. It is important that I spend some time with him because he has spend so much time working all his life to ensure I’m a much better person in all aspect than himself.

As a citizen of Malaysia, I need to contribute to the society by helping the poor and educating public on the topics I’m good in it. I shall try my best not to break the law but some not sure why, I occasionally “kena saman” (get fined) for not paying for my parking. Anyone who never kena saman before, please raise your hand, no need to be shy! (For being good citizen)

As a blogger, I need to ensure that my reader loves what I wrote.

PLEASE GIVE ME SUGGESTION WHAT YOU LIKE ME TO BLOG! THANK YOU!

Dollar Cost Averaging (DCA) Concept

In Malaysia, it is also known as Ringgit Cost Averaging.

Basically this concept is adopted by wealth advisors to help their client to “save”(or invest) for certain purposes such as for children education or retirement fund.


Let me quote this example of how DCA works:

On January 2001, Mr A agreed to give me RM100 each month to buy gold coins. That month it is sold at RM1 per coin, so I managed to get 100 coins for him.

On February 2001, the coin price has gone up to RM1.11 per coins. So I only managed to get him 90 coins only.

On March 2001, the coin cost RM0.83 per piece, so I got him 120 coins.

These transactions continue for 5 years. Sometime I got it cheap, sometime very expensive but each month I help Mr A to buy his coin without fail.

By end of 5 years, Mr A has given me a total of RM6000 and I managed to get him 7500 coins. So the cost per unit of these coins is only RM0.6666.

On December 2005, these coins are sold at RM1.2 per piece. Mr A decided to sell all his 7500 coins and he got RM9000 from the sale proceed.

Capital = RM6000
Selling Price = 7500 coins x RM1.2 = RM9000
Profit = RM9000 – RM6000 = RM3000
Return on Investment = profit/capital x 100 = RM3000/RM6000 x 100 = 50%
Yearly profit = 10%

Note of Disclaimer:
The above illustration is just an example the help readers to understand the concept of DCA. It should not be construed as and shall not form part of an offer or solicitation to buy or sell any products and/services. Before you decided to buy any financial product/service, please consult your financial advisor to understand the risk involved and the suitability of the product/service as per your need.

Putrajaya Healthcare Centre

My son was down with high fever for two days. On the morning of 31 July 2009, his temperature was 39°C. My husband and I decide to take him to Putrajaya Hospital. It was 6.30 am and normal clinic was not open yet so we went to emergency department. As there is no other emergency case at that time, the doctor immediately attends to our son. He took my son body temperature and gave him “ubat buntut”. Then he advised us to seek further treatment at the Klinik Kesihatan Putrajaya at Presint 9.


We reached the clinic at 7.40 am. There were so many people waiting there already. We got no. 2080 and need to fill up the application form. We waited there till 9.04 am before they registered our son.

There are 8 counters at the lobby:
Counter 1 – 4: Registration
Counter 5 – 6: Triage
Counter 7: Special For Pregnant lady
Counter 8: Specially cater for
a) Senior Citizen
b) Special Need Child
c) Disable Person
d) Prisoner
e) Medical Check (those age 40 years old and above)
f) T.B., Chicken Pox and Eye Pain

Since there was no case at Counter 8, they use it to register my son’s details. A fee of RM1 was charged and we need to pay it at Counter 1. We were given a white card with barcode.

Then we have to wait at Triage counter and it took another 20 minutes before they called us. I do not know why we need to go to Triage counter as the officer there ask me what wrong, so I told her, my son got high fever and she straight away refer me to wait in front of Room 2.

We scan the white card and in a minute time, the doctor called us in the treatment room. We explained to her that our son got high fever and now already subsided after taking the “pill buntut”. She said she will give us some fever syrup and if my son is still having fever for other 2 days, we need to bring him back to the clinic for blood test. Total consultation time is less than 5 minutes.

I though that we do not need to wait to take medicine. But we waited another 15 minutes for that. We left the hospital around 10.30 am.

We were rushing to bring our son to the hospital early morning that I left my handphone and PDA with camera in my house. If not I would have enclose some photos over here.