Saturday, July 11, 2009

Saving


All about saving money. When we old, of course nobody will taking care of us except kind hearted children that may be would contribute to us.

That's why we need to do planning for our retirement age. At least we must have at least RM 500K on the age of 55 years old, if not we are just like ordinary old people who unable to enjoy the golden age moment before we leave this world.

The most important now....

For me I have retirement plans are like

Saving from EPF : RM 100,198.00 as of today, I got another 15 years to accumulate the figure with approximate dividend of 4-8 percent annually.

Investment in Unit Trust (ASB) : RM 80,300.00 also as of today, I have another 15 years to accumulate with the dividend and bonus of 7-9 percent annually.

Saving from Life Insurance (Great Eastern) by the age of 65, I will receive a saving of RM 36,500.00 and

Investment in pension scheme with MCIS - Zurich Insurance for the amount of RM 38,375.00. By the age of 55 will be getting pension approximate amount of RM 750.00 monthly and throughout my life.

AND now I need to do some saving for my Tabung Haji account to perform haj. At the moment I only have about very minimum, that is RM 600.00. May be if I get some bonus from company I would increase the figure, InsyaAllah.

My vision and mission that is I hope another 15 years will manage to collect RM 500K for my golden age and I want to travel all over the world if possible.

That's it for the day. Happy reading...

Tuesday, July 7, 2009

Saving money for good





Where to start:
Save on gas by walking, biking, carpooling, or taking public transit.
Ditch expensive bottled water and drink tap water.
Substitute at least one vegetarian meal for meat each week.
Fix leaky faucets to save on your water bill.
Get a home-energy audit to see where you can reduce your power bill.
Start an organic garden to grow your own veggies and fruits.
Find books, CDs, and DVDs at your local library for free entertainment.
Borrow and swap for new-to-you things, and reuse stuff instead of shopping

Friday, June 26, 2009

The said that became a phrase

"All good books are alike in that they are truer than if they really happened and after you are finished reading one you will feel that all that happened to you afterwards it all belongs to you ; the good and the bad, the ecstasy, the remorse and sorrow, the people and the places and how the weather was" - Ernest Hemingway

Saturday, June 13, 2009

My lovely pets that I have

She is Marry the golden retriever
This one is Chai the hybrid Sherpherd with Rotweiller
and this one Kecik @ mummy the hybrid sherpherd and rotweiller
The three stuggest that I have at the moment
Chai is the most pampered one and most playful

I have few dogs at home as a guard and pet dog as well.

The above pictures shown the current that I keep at home. The gold color Retriever I got from a chinese who wanted to let her go and the Chai, I bought from a breeder and kecik I got for free from one malay.
How come I can keep a dog eventhough I m a muslim?
First question what is Islam ?
How to be a good muslim?
Why muslim can't keep dog?
How to perform prayer with dog at home?
The answer is
We can keep dogs if the dog to protect us from intruder. An riwayat said even Rasullullah s.a.w feed dogs and let the dog to give birth in his house till the dog out from his house itself.
The Malaikat won't be entering a house with dog, picture and so forth?
Yes the Malaikat is kind of allergic to dog but please do keep the dog outside the house if you are a muslim. Build it home outside from your home. Their duties is to give us a protection.
Do you know that, some syaitan allergic to dogs too. Therefore if someone try to harm you with spirit way, it wont be successful.
For everybody information, most richest group in Malaysia keep guard dogs example the late Datuk Zakaria had two guard dogs even the king faisal of Egypt also has dogs. Those muslim in Afghanistan keep dog for protection. Their army using dogs services to trace enemies.
To perform prayer we must "samak" with soil water one times and 6 times with taps water. Nowdays not so difficult we have Taharah soap to perform "samak". Life is so easy why make it difficult...
So what do you think ?
Me.... I m glad I have them.
They are the best friend to human
till now...happy reading.

Sunday, June 7, 2009

Today is SUNDAY @ weekend-very interesting





I woke up early at 7:30 am eventhough SUNDAY. I dont like to spend most of my time in bed because time is short so I'll make sure every single second is worthwhile.

Usually every morning I give my lovely pets breakfast , bread and milk.

After that I make breakfast for us.

Weekend normally started my day with washing, cleaning or sweeping floor (instead of exercise I do houseworks)

But today is different, the agenda slightly different. I have to fetch my niece who starts her job as sales assistant on partime basis at Alamanda. She is on holiday for two months. So I advised her to work and gain some money and experience.

After sent her and her friend to Alamanda, I stopped by at Harven for manicure and pedicure. Its cost me RM 75.

Earlier wanted to go to TERIMEE for facial but I dont feel like going for facial this Sunday because I just done it at Salinaz Beauty at Alamanda last week.

After did the manicure and pedicure, I went to visit the lovely lace where my niece and her friend rendered their services until 10 pm tonight.

On the way to car park, I stopped by at Big Apple for 6 donuts for RM 11.50. I love duran flavour then went home.

Tonight at 10 pm, I am going to fetch them from Alamanda and send them to Taman Saujana Impian.

Hopefully by tomorrow I could get a place for my niece and her friend to stay in Presint 9 or 11 so that I no need to fetch them anymore.

Tomorrow also I am going to give them some monies for opening of AMBANK account for their salary to be credited.

Thanks God the opening the account that not so expensive like other bank. Just as low as RM 20 for basic saving account.

Eventhough the activities this weekend quite boring but I feel satisfied that I helped people in need. So hopefully, she would treat the same to others or to ME, the second aunty in the family.

Till then...

Saturday, June 6, 2009

Healthy products with healthy lifestyles


















Recently I went to Alamanda, a salesman approached me with a mystery gift. Once I opened it. I got RM 100 rebate with free gift that is 15 pcs stainless steel cookware for a value of RM 2999.

I got shocked awhile and not managed to escape as they are too persuasive on the "extra" price that I got. By buying one of their product I can get the "extra". Somehow or rather, I also feel so excited about the gift and agreed to buy their vacuum for the amount of RM 2699.00. Then after I agreed to buy another offer. I got multicooker and a warmpot thermos(to keep foods warm all the time).

And then, another offer that is if I choose something else I will get extra 50% discount. oooo my God......I was trapped with their marketing strategies!

Felt fasinated but I managed to refuse to buy somemore.

Before I left they gave me a platinum member card which if I buy anything in future I got 20% and If I bring friends, theres another mystery gift.

When I got home and straight away I opened up the vaccum. I m quite like the vaccum. Of course, it is an expensive vacuum that I ever bought. I do like the 15pcs stainless steel cookware and multicooker also warmpot thermos.

Anyone who like to browse their website, please feel free to click at http://www.frico.com.my/

Good items, good quality, value for the money.
After all the above happened, I felt a bit regret because I bought something that unnecessary (as I have already a vacuum) but good things I am a member of frico so I could get extra service from them...mmmmm

P.S : I m going to buy the energy water system filter in the near future. Not now, because no money already.


Till then. See ya

Wednesday, June 3, 2009

A lady named Maria Soraya


Maria Soraya was born ages ago.

She was born at a place on the earth that called a "countryside"

She has had been experiencing life and has been and keep on learning about the meaning of life from the scratch to the almost top but not there yet.

Her dreams to achieve whatever her dreams are.

Back in during schooling day, she was very popular.

She's very smart, fastlearner, goal-getter, a quick decision maker and also clumpsy

She like travelling most and has had been travelled most of her country and neighbourhood regions.

Now as she is growing older and older, her wishes is want to be the best of the best to every life creature in this world.

One day, when the time comes for her to leave this world, she would love to leave with dignity, love and proud.

Every life creatures in this world would miss her......

MARIA SORAYA hope whoever outthere, please be kind to any life creatures. We don't know what they were going thru before we met them.


Till then.....

Tuesday, June 2, 2009

Investment of ASB

I have put RM 80K in the ASB and annually I 'll collecting about RM 7-8 K.

Return investment calculation will be

1st year = RM 7 K (roughly estimation for the dividend and bonus)
2nd year = RM 7K + RM 7K + RM 600 = RM 14,600.00
3rd year = RM 7K + RM 14,600 + RM 1200 = 22,800.00

Just imagine if I put in there for 15 years?

How much would it be?

How much the value of me in 15 years?

Am I going to retire with comfortable life?

Am I going to be a traveller during golden age?

Am I ?

Me and new handphone



On last friday, I bought new handphone model express music 5800 to replace the old one but not that old about 9 months ago.

I found that the old one having some technical errors. So I decided this one with my new CIMB master card. ps : I could pay monthly :)


Please see below the old one model






Although its quite new but trouble some for me to use. I sold to someone for RM 250. Cheap is it? mmmm it is cheap. Lucky him. Got it cheap.

And I have to pay RM 1380 for a new one. That's expensive!!!!

I am a big spender. How to throw the habit? I dont know?????

Tuesday, May 19, 2009

Emptiness



"Meditation is nothing but coming to terms with your inner emptiness: -"

""recognizing it, not escaping; living through it, not escaping; being through it, not escaping. Then suddenly the emptiness becomes the fullness of life. When you don’t escape from it, it is the most beautiful thing, the purest, because only emptiness can be pure.""

Wednesday, May 13, 2009

A Heart Give this heart to everyone you don't want to lose in '09 including me if you care. Try to collect 12, it's not easy










'Be kinder than necessary because everyone you meet is fighting some kind of battle.' ==========================================================================================A Sharp tongue can cut my own throat.

If I want my dreams to come true, I mustn't oversleep.

Of all the things I wear, my expression is the most important.


The best vitamin for making friends..... B1.

The happiness of my life depends on the quality of my thoughts.

The heaviest thing I can carry is a grudge.

One thing I can give and still keep...is my word.

I lie the loudest when I lie to myself.

If I lack the courage to start, I have already finished.

One thing I can't recycle is wasted time.

Ideas won't work unless ' I ' do.

My mind is like a parachute...it functions only when open.

The 10 commandments are not a multiple choice.

The pursuit of happiness is the chase of a lifetime!

It is never too late to become what I might have been.

Life is too short to wake up with regrets.

So love the people who treat you right.. Forget about the one's who don't.

Believe everything happens for a reason.

If you get a second chance, grab it with both hands.

If it changes your life, let it.

Nobody said life would be easy, they just promised it would be worth it.




Friends (I added in 'Girl / Boy Friends J) are like balloons; once you let them go, you might not get them back. Sometimes we get so busy with our own lives and problems that we may not even notice that we've let them fly away. Sometimes we are so caught up in who's right and who's wrong that we forget what's right and wrong. Sometimes we just don't realize what real friendship means until it is too late.

Thursday, May 7, 2009

My dream design house


Look at this picture......I love this design. Should one day I were to have enough budget to make this house I would do definitely. I have about 1 acre of land in my hometown located on the hill. Yup quite hilly but I believe this type of house is suitable for the location.

By the time I am 50. This house will be ready for me to move in. I promised to myself.

Dear God,

I love this house, hope I could build with my hard earn money.
Please my God, let my dream come true.

Hope You grant me to have this type of house.
Please my God, let my dream come true.


Ameen......

Sunday, May 3, 2009

Continued...

During the show at Song Dynasty theather


After Suzhou, we went to Hangzhou.





Hangzhou is full of scenic. This country famous with scenery and legends stories to tell. Their foods so delicious, the fish soup, the varities of satay, the veges offer us varieties of taste. I had tried all of their foods. I like it so much. The most interesting that they offer halal foods for muslim.


The legends stories that been told by our tourist guide also quite interesting example snakelady, broken bridge, and etc.....

China one time ago was invaded by Japanese. History stated Chinese and Japanese previously was related. Due to uncompromised matters that arise this one Chinese group ran away and left mainland to one Island and now known as Japan. They had changed everything including name, race and language.

However when this Japanese invaded Mainland they become too cruel and kill most chinese.

For information, Japanese not only invaded China Mainland but all countries in Asia Pacific including Malaya. Now even they can't invade with attacks but different way of invasion by penetrating of all their goods and technologies therefore they still be known to the world that they are concurring the world without figthing.

The last day we went to watch Song Dynasty theater. The show very alive and impressive. I like it so much.

Been told by our tourist guide also that in Hangzhou has many beautiful ladies with or without make up...they look beautiful. (p.s : this is suitable for those who are looking for life partner, pls visit hangzhou......happy searching then!!!)

I hope that I could visit the 7 wonders that is Great Wall, Yellow Mountain and experience snow in Mainland China in this coming winter. (hope that I have enough money by then :))

Till then...will story my next trips to all of my visitor. Thanks for visiting and reading my blog.


The trip photos






The first day of Shanghai Trip.









We went to the bund, overlooking Shanghai city centre. The river to big and so interesting overlooking the historical buildings from many countries architecture.

The biggest and oldest clock in the Asia Pacific look interesting too.














Senario of Shanghai City that impressed those who coming to shanghai not because of they have talls and various design of building and different architecture but to see the west side and north side with two different view. Very scenic.

We had been told by the tour guide that every day in Shanghai itself people come and go about almost 2 million. So congested. Till some people could eat the next person breakfast due to the congestion in the Metro during their trip to their work places.















We went to Nanjing Road for shopping. We got shanghai tshirt for 30 yuan but before they seller asked 80 yuan. We knocked down the price till to the lowest.

There is a mosque in the middle of the Shanghai. Showing that the islam had been in China for the past 500 years ago brought by the traders from Middle East. Very interesting.....



Before we departed to Suzhou there is another place we went is called old china street - Chenghuangmaio old town. We bought some souveniors for family and friends.














The above photos were taken in Shanghai and Suzhou.

In Suzhou, we found that very advanced industrial area that produce electronic goods, very modern city offers good life those who working and living here. Then, we went to Lion Grove Garden and Panment Water City gate and then shop at the one one silk factory.

There are some more photos to show and story to tell but the time not permitted me to continue the process therefore we continue later when I have free time to kill.

Tuesday, April 14, 2009

Symptoms to Expect when You Improve Your Diet By Dr Stanley S. Bass

If I were asked which is the area of greatest misunderstanding and confusion in the field of nutrition I would immediately be forced to reply that it is the failure to properly understand and interpret the symptoms and changes which follow the begining of a better nutritional program.

Retracing

The body begins a process called retracing. It says to itself, "Now we have chance to get rid of this old garbage and build a beautiful new house. Let's get started immediately. Let's get this excess bile out of the liver and gall bladder and send it to the intestines for elimination. Let's get the sludge moving out of the arteries, veins, and capillaries. These smelly, gassy, brain stupeying masses have been here too long-out with them!

These arthritic deposits in the joints need cleaning up. Let's get these irritating food perservatives, aspirins, sleeping pills, and drugs out of the way, along with these other masses of fat which have made life so burdensome for us for so long. Let's get going till the job is down - till we have a beautiful house- and from there on we'll keep it a beautiful ideal model house". Druing the first phase (called catabolism), the accesnt is on elimination, or breaking do-of tissue. The body begins to clean house- in short, to remove the garbage deposited in al lthe tissues-everywhere. During this period, the body remove the ashes from the furnace preparatory to getting better fire. Here the accentuation is on removal of the gross and immediately body obstructions. Wastes are discarded more rapidly than new tissue is made from the new food.

This become evident as weight loss .... Returning to the symptoms which occur on a superior nutritional program, people who have had tendencies in the past to recurring skin rashes or eruptions will frequently tend to eliminate poisons and harmful drugs through the skin with new rashes or eruptions. If they go to a doctor now who is not familiar with this aspect of nutrition, he will diagnose it as an allergy

They ask, " How come? I'm eating better now than I ever did before, and instead I'm getting worse." They don't understand that the body is retracing.

The skin is getting more alive and active. It's throwing out more poisons more rapidly now that the body is building more power which is saved from those hard to ingest meals which have been discontinued. These toxins being discarded are saving you from more serious disease which result if you keep them in your body too much longer-- possible hepatitis, kidney disorders, blood disease, hear disease , arthtiris, nerve degenrations or even cancer-depending upon your heredity or structural weaknesses.

Be happy you're paying your bills now in an easy-payment plan...



Those who have lived better lives in the past--who have eaten better foods and who ahve abused their bodies less with over-eating will ahve reactions ranging from almost none at all or very mild symptoms which may uncomfortable or acute.

Those who ahve lived worse lives and poisoned themselves more will experience more severe symptoms if their liver, kidneys or other important eliminating organs have been damaged.

When they have been renovated to the point of fair working order, they will no longer produce symptoms.....

Headaches may occur at beginning; fever and/or colds may also appear; the skin may break out; they may be a short interval of bowel sluggishness, occasional diarrhea, feelings of tiredness and weakness, disinclination to exercise, nervousness, irritability, negativity or mental depression, frequent urination, etc..

However, the great majority of people find their reactions tolrable and are encouraged to bear with them because of the many improvements which have already occurred and are becoming more evidentwith each day.

This acts as an inspirational force to them...

The symptoms will vary according to the materials being discarded, the conditions of the organs involved in the elimination, and the amount of energy you have available. The more you rest and sleep when symptoms are present, the midler they are and the more quickly they are terminated.

Be happy you are having symptoms

Realize deeply that your body is becoming younger and healthier every day because you are throwing off more and more wastes which would eventually have brought pain, disease and much suffering.

Those who have the wors sumptom-reactions and follow through to their successful termination are thus avoiding some of the worst diseases which would eventually have developed had they continued their careless eating habits.

Don't expect to go on an ascending scale of quality, that improving your diet will make you feel better and better wach day until you reach perfection.. The body is cyclical in nature, and health returns in a series of gradully- diminishing cycles.....

Healthy Life - Muscle index & physique ratings


Muscle index & Physique Ratings:


The muscle Index is given in kg, the value belonging to it s the Physique Ratings:


1 to 4 obese, untrained

5 normal

6 to 9 optimal, sporty


Why is monitoring muscle mass important?


For every extra pound of muscle gained the body uses approximately 50 extra calories a day. Every body experiences a change in the muscle mass should monitor and adapt the calorie intake accordingly. Because muscle is denser than fat, monitoring muscle mass gives a more accurate understanding of a person's overall compositions and changes in their total body weight.


What is Physique Rating?


Offers you the opportunity to set a desired Physique Rating from which you can tailor your health/fitness programme accordingly.


Why is monitoring Physique Rating important?


When a person increases their activity their weight may not change but their balance of body fat and muscle may after which will change the overall physique or body shape. The physique rating helps accurately guide through a diet and fitness programme.


What is Basal Metabolic Rate Indicator?


The Basal Metabolic Rate (BMR) is the number of calories the body needs when at rest.


Why is monitoring the basal Metabolic Rate important?


Understanding the Basal Metabolic Rate will allow you to monitor the number of calories your body requires according to their physique and lifestyle. The more muscle or general activity yhou take the more calories require. The Basal Metabolic Rate level also decreases as the body ages.


What is Metabolic Age rating?


The Basal Metabolic Rate starts to decrease after the age of 16/17 years old and the Metabolic Age Rating indicates what age level your body is currently rated at.


Why is the Metabolism Age Rating important?


If the age indicated is higher than your actual age than you needs to improve your Basal Metabolic Rate. Increasing exercise levels will build healthier muscle tissue which burn more calories consequently improving your metabolic age rating.



The things that I want in life


To be a good muslim when I reach 40 year old.

To eat a good and healthy foods at a nice stalls


To drive this car in the next one year or before May 2010



Travel with my buddy.....




The most and the last but not least.... I dream of travelling all over the world with my hard earned money.

Monday, March 30, 2009

Itinerary for Hangzhou/suzhou/shanghai trip (muslim package)



5D4NHangzhou/Suzhou/Shanghai Muslim Tours


Day 1 Hangzhou (Lunch/Dinner)
Upon arrival, transfer for lunch at Muslim restaurant. After that we pray at
Phoenix Mosque, Visit the west lake, which have another name new heaven
and earth. The famous west lake is like a brilliant pearl embedded in the
beautiful and fertile shores of the East China Sea near the mouth of the
Hangzhou bay. The lake covers an area of 5.6 square kilometers. The view of
the west lake is simply enchanting, which offers many attractions for tourists
at home and abroad. we enjoy boat cruise .That means we cruise the beautiful
west lake by boat .You will visit some special sight, just like fish wonder at
huagang rook and so on. Visit Leifeng pagoda. You can hear a touching story of the myth form guide.
Lunch at Muslim restaurant. Then go to visit Tea farm. The hometown of the number one Chinese
green tea – Long Jing. Dinner at Muslim restaurant


Day 2 Hangzhou/ Suzhou(Breakfast/Lunch/Dinner)
Breakfast at hotel. Transfer to Suzhou. Visit the Lion Grove garden.
The oldest existing garden in the city and one of four most famous
classical gardens in China built in Song Dynasty 900 years ago.
Lunch at Muslim restaurant, then go to visit the Suzhou NO.1 Silk
Factory and learn the ancient art of making Chinese silk products by
hand. Also, we will enjoy a silk fashion show and do some shopping.
Dinner at Muslim restaurant

Day 3 Suzhou/Shanghai (Breakfast/Lunch/Dinner)
Transfer to Shanghai. Visit & Shopping in Shanghai Old Town,
with its history dating back some 400 years. People love this area
due to the variety of commodities and shops available. Lunch will
be at very nice Muslim restaurant of Ningxia hotel. Shopping at
pearl shop, Visit the most famous mosque in Shanghai—Xiao
Taoyuan Mosque (means little peach garden mosque). Dzohor and
Asar Prayers here. Then tour the Pudong New Developed Area,
where we tour the riverside park along the Huangpu River
appreciating the third highest TV Tower in the world as well as the
Jinmao Tower, the third tallest building in the world. Shopping at the Jade Center. Then we visit
“Bund”. We will stroll along the “Bund” (waterfront) which will give you a grand view of the “Wall
Street” of the Orient, recalling the modern history in the last century of this great city. Nearby is the
famous Nanjing Shopping Road. Then we will go to visit the traditional Chinese medicine center.—
Tong ren tang..

Day 4 Shanghai/Hangzhou(Breakfast/Lunch/Dinner)
This morning will be spent in the best shopping markets – Shanghai taobao
City market for clothes and general merchandise. Here you will be able to test
your bargaining skills. After lunch transfer to Hangzhou,

D5 Hangzhou/Home(Breakfast)
Transfer to Hangzhou airport for Dep.

Wednesday, March 25, 2009

Hangzhou and shanghai trip


About Hangzhou


At A Glance

Famed for its natural scenery, Hangzhou and its West Lake have been immortalized by countless poets and artists. It is one of the most important cultural centers of China. The city was the capitol of the Southern Song Dynasty from 1127 until the Mongol invasion of 1276, during that time the city's population is estimated to have been as high as one million, making it the largest city in the world. Even Marco Polo claimed to have passed through, calling it "beyond dispute the finest and the noblest in the world".
With the gradual silting up of its harbor much of the city's trade and industry passed to nearby Shanghai, but the city still has a bustling population of 1.7 million and ranks as one of China's most popular tourist attractions.


my music = my soul