Paul's Code

Seagate, Bye!

2011-12-04T22:21:00.003+08:00

Dear Albert,

Please accept this letter as formal notification that I am leaving my position as System Analyst with Seagate International (Johor) Sdn Bhd. My last day will be 23 December 2011.

Thank you for the opportunities you have provided me during my time with the company. If I can be of any assistance during this transition, please let me know.

Sincerely,
Paul
Date: 29/11/2011

New Life

2011-03-14T21:19:00.003+08:00

i was able to sit down queitly here finally to write this post.. Sigh..!

The most frequent questions that i been asked recently by the people around is..

"Ah Bao! How your day after leave JK ah?"
"Seagate how oh? so far so good? high pay har??"
"JK not good to stay?"
"Cool! You have guts bro!! lolzzz"
"You leave what leave la, you give me go back JK!"

Thus, I had resigned from JK. Sigh.. huh? i sigh? anyway, to be honest, JK is my comfort zone for almost 3 years. but i knew that it's time for me to move forward and to achieve more for my future career path.

I was still trying very hard to adapt the new environment at Seagate now for both the job and the colleagues. for the job, i got learn new programming language and the system infrastructure. and for the colleagues, they are just nice to me but seem like i still not yet able to "mixed" gather with them.

It's probably will need some time, I knew.

Last Day Email to JK

2011-02-27T13:43:00.001+08:00

Dear All,

As most of you know, today is my last day at JK. It is with a heavy heart that I must say goodbye to all of my friends and colleagues here.

Thanks for the opportunities that JK provided during my stay, especially to Mr. Wong Eik Kian who lead me and guide me a lot on system development. I also enjoy and appreciate the moment during work together with IT colleague Chin Eng, Apri, Farah, Zaki and Wai Keong.

Also special thanks to every department for spending their time and effort with me during developing system. I would just like to say that there have been many great people here, both past and present, that have made the job truly enjoyable. It was a special time.

Lastly, I would like to apologize to whom I might offend during the transition period at JK. Wish you all the best in future.

Thanks again for everything.

“What you learn here is no value until you share it”

Best Regards,
Paul (Ext:137)
IT Department

I Don't Know

2010-10-28T22:06:00.004+08:00

A little bit tired, maybe i should rest. i don't know.

my friend told me that before, "look! how pressure you are in work now! may it's time for you to change for new environment!".

i begin to lose my patience in working for this couple of days. there have been several time that i nearby losing my control and throw out my temper on the user, but i still forcibly pressed down hard. the result are the user talking while i was swallowing. anything wrong if i asking the user complete their job faster before production start to run? if they not able to complete on time, then it will leave alot manual job for me. and why i should doing this all? this supposely is their job ok! why need IT to remind? and how they think IT dept is? take over their job during they going out for outstation? nonsense! wtf! how weak communication they are even for the same dept! wtf they doing actually? i not deny that i'm a person with not high EQ, thus i dont know when will be my temper "detonated". and when it reach, will it be the time i changing for new job? i dont know, again.

and there are another challenge waiting for me to guide newbie on doing job. lousy management i have causing my task become endless now? i may only blaming myself on this matter due to never taking seriously on it. so hard to complete my job now. mostly everytime user request for the new task, i seldom confirmly answer them with "sure" but only with "i try". sigh. how going with my life now? again, again and again, i dont know.

JB REIT Roadshow

2010-10-24T22:38:00.004+08:00

Date: 23 Oct 2010
Time: 8.30am - 1pm
Venue: Ballroom 3, Grand Paragon Hotel, JB

i just went to REIT roadshow yesterday which organized by CIMB and Maybank. this is my very first experience attending on such roadshow after one year of involving with stock market. it's great experience for me to know futher about REIT.

REIT stand for Real Estate Investment Trust, which the key word with "real estate" more attracting me. why choosing the real estate? because it's able to produce more stable income, hedge against inflation and sure because i like it!!!

i understand what actually the purpose of they having this roadshow to explore the REIT. somehow, i cant deny that the stable long term total return of REIT stock provided due to i had experiences with the dividen received over a year of investing on REIT stock before.

among all the REIT presentation from this roadshow, i was putting the most interest on Sunway and AmanahRaya REIT as their mainly income focusing on and the properties located. hoping this two stocks may bring me some income on upcoming day!!

i dont know but i got to ask that: nowaday teenager not prefer to invest on stock? or they actually found another better way to earn extra income??
i was quite obvious existing among all the participants because i was the YOUNGER one!! the people surrounding me mostly is middle age and above!! =.= shit!

Phuket

2010-10-18T22:36:00.001+08:00

I have no idea how to start writing this post, wtf =.=
It's almost 3 months i never visit my blog because ... because... because i'm busy loh..

how to write leh? i still wondering... =.=

ok lah, let's start introduce with "Tuk Tuk Car" at Phuket.

The coolest outdoor activity having: Jet Ski & Parasailing

ready....

go!!!!

i believe i can fly~~~ i NOT believe i can touch the sky~~ =.=

The Most having fun Island - Phi Phi Island

The most highclass place ever: Fanta-sea

The "Octopus Paul" aka me...

"Similan" here =.=

Golden Kinnaree -the world's Grandest Buffet Restaurant.

The most relaxing visit: Island Safari

Help me~~~~ =.= being stepped

Pelvin, Pan and me. we don't know how to berkayak, then we keep rotate at the same place =.=

our boss, mr Pelvin. dun play play ah.. dun try to bully him, he will beat u until become pig face

i having thai massage with 4 times there because it is cheap enough and costed me only 200 baht per time. hmm...then hor.. hmm.. i really have no idea how to continue write this post.. ok la. end this post, byebye =.=

阿包最近比较忙

2010-07-21T13:55:00.000+08:00

I was under pressure.

I’m super IT member? I was just realized with my wide job scope. All things had come to me. JK’s all systems had come to me! I have only both hands used for masturbate pls! not just for handling those wtf system! No lah, I just kidding. Work still work then… sigh..

Is it I’m too responsible? And this caused me having nightmare with those task I handled…

And and and….

I just noticed that i only take half day leave after CNY short break until now. It’s amazing.., awesome??!! Please… I fucking need a break! =.= how come I suddenly become so rude? Tsk tsk tsk….

By the way, for those rejected by me for asking drink tea or eat dinner people, I’m so sorry about that and I’m really busy one, please believe har…

Looking forward for September Phuket trip….
time, can you pass faster??

Childhood

2010-06-25T14:00:00.004+08:00

I had back to my hometown on last weekend. This do remind me something happen that period during I help to look after my nephews for few hours which four of them are around 6-10 years old children.

I’m just sitting there quietly and playing sms (this is how i look after them). They start to play around, run here run there, rush to snatch their toy, and even start to bullshit.

“Ah Yuan, that XXX which sit beside you that one is your gf? U like her? Or another with long hair one??”
“I got two or three gf instead… hahaha I’m handsome”
“errrrrrrrrrrrrrrr..”
my nephew X asked me that
“shu shu (uncle), he handsome meh?”

...
That’s what nowadays children conversation har??? =.=

Think back, I had a sweet memory during my primary school also...

During primary 3, I did secretly like a girl. That time, my class have separate into 5 groups which A, B, C, D and E. Group A is the most good result of exam and then follow by B, C, D and E. she sit at group A while I’m sit at group C.

I was just 9 years old that time. =.= but..

Because of her, then I try my best to get good result for my next exam. After few months, I did it. Hahah.. Sound like damn dramatic right? I successfully sit next to her due to the arrangement of place is from shorter to taller and I’m sitting the most in front of place. =.=”

Because of her, I reach my school even more early due to she will reach the school early also.

Because of her, I feel happy everyday that I can go school.

But after one year, she gets better result and change to another class. I was being dumped this way. =.= and sure my result had dropped back to normal soon and i do remember my teacher ever said:

"without XXX then u cannot study is it?"

=.= the teacher so cruel =.= but now when i think back, i feel actually quite funny and interesting also =.=

The day which after 16 years later, I do mentions it again. Pure and simple love is it.

And I don’t know why when I told my colleague regarding this and she keep laughing.. I think she kee siao jor =.=

Money Face

2010-06-14T16:02:00.020+08:00

Recently I was noticed, Opsss not only me but almost the people around me were noticed that I really money face. =.= hmmm... what I can say? I’m just trying to save a little bit money ok, not really money face.

Ok lah, I admit, I’m trying to explain now wtf. =.=”

but actually when people saying that i‘m money face, I never feel insulted but on the other hand, I feel proud of myself instead. =.=”

I remember Sylvene ever said this sentence,

“Greedy is good, slightly greedy is the best way to treat your laziness, so Paul’s money face is innocent.”

Clap clap clap! Exactly! Bingo!

Very good explanation right? That’s why I money face loh and don’t want to let myself become lazy! My starting point is nothing wrong! =.=

Thank you xiaomei for scarify her valueable time to motify the below photo,

Below here is some of survey I done by asking others regarding my money face.

@Ah Peng says: ”actually u r quite stingy.”

@XiaoMei says: "b4 know u, your pattern is fake "hao shuang" like that, but after know you then know u actually lokek dao si, hati macam ditikam pisau when ppl xx $$ from u, but face only show "ok, no problem""

@Manglish says: “sibeh ugly, irritating, annoying, tao yan, cb face..”

@WeiZhi says: “ur face no money face, but u have money heart”

@ChaiChuan says: “of cos everyone love money, is just u do investment to make more money, i oso love money wat”

@Ah Pei says :"dun like money how to be rich, i sure everyone hope can hv more & more money, but for what i think is... many of us oso have their own money face, if not there will not so many ppl come in sg everyday to earn SGD"

@Ah Pan says :"hahahaahaha still ok la, who doesn't think of money, they are jealous then say u r money face"

@Kapeng :"no lah, u are good. even u wont treat me eat kaya ball but i still think ok."

@Ah Ying :"wait, brb" <-- =.="" he only answer me this after 30 minutes, i decided not to wait

Unit Trust

2010-04-29T15:16:00.005+08:00

I spend my whole night to read Unit Trust yesterday. i found that i actually missunderstand of some terms in Unit Trust before. here is some copy and paste info to share.

A unit trust is a financial vehicle through which individuals may invest their money. The idea behind unit trust is better returns through collective investing. In other words, it means pooling the investments of many investors, individuals and institutions.

Investing in a unit trust offers investors numerous advantages, including:
a. Professional management at a low cost
b. Safety through the spreading of risk (diversification)
c. Liquidity
d. Ease of transaction
e. Capital appreciation/income stream

How Unit Trust Is Priced?

This example serves only as a guideline on how the calculation is done assuming the fund’s NAV per unit is RM0.2500 and the investment amount is RM5,000.00

Units credited to your account:
= Amount invested /NAV per unit
= RM5,000/RM0.2500
= 20,000 units

Service charge per unit:
= NAV per unit x Service Charge (%)
= RM0.2500 x 5%*
= RM0.0125
* assuming service charge is 5 %

Total service charge incurred:
= Service charge per unit x Units credited to investor
= RM0.0125 x 20,000 units
= RM250

Finally in progression of the above, the total amount you should pay will be:
= Amount invested + Service charge incurred
= RM5,000 + RM250
= RM5,250

The Best Way To Invest In A Unit Trust

a.Via Lump Sum
The minimum lump sum investment in a unit trust is typically in the range of RM500 to RM2,000. Although there is no limit on how much you can save and invest in a unit trust, it is usually advisable to spread your holdings among different funds, especially if you are making a very large investment.

b.Via a Regular Savings Plan
A regular savings plan allows investors to put in a monthly set amount into the unit trust of their choice, from as low as RM100. This is a convenient way of saving, as monthly additional investments are usually paid through a bank's standing instructions.

Why Choose Unit Trust?

a. Children's Education
b. Home Ownership
c. Retirement
d. Cash Reserves

How To Select Unit Trust Funds?

You may look at the performance of the funds but do not pay too much attention to period of a year or less as external factors beyond the control of the management companies may have influenced results. Ideally, a fund should be able to show consistent performance over a long period. Check the performance of a company's other funds to make sure that it was not just luck with one fund. However, be warned that past performance figures are no guarantee of the future. A fund that has performed well in the past may not do so in the future and vice versa. Go to Fund Performance for fund comparisons.

Example of fund from Public Mutual:

a. Equity fund
b. Balanced fund
c. Bond fund
d. Fixed income fund
e. Money market fund

I promised myself will be Regularity of Investing... XD

Rich Dad Poor Dad

2010-04-04T16:22:00.000+08:00

First of all, Manglish!! don't satirize me always look on money!! as Rich Dad Poor Dad state that if u not interest on money then how about you don't take your wages every month? lolz...

Rich Dad Poor Dad always inspired me on smart financial management. you will have more risk if you don't know investment rather than you think investment is on risk! mindset for how you think on your financial management plays rules on your future!

"If you don't want to spend your whole life in the kitchen then you don't learn how to cook"?? Rich Dad Poor Dad, you teach Sylvene to be bad..., i realized that she found this sentence useful for her. =.=" poor lion =.="

A ridiculous question from me after all. what phenomenon will happen if all people follow the concept from Rich Dad Poor Dad to get rich? all people will be a bozz rather than an employee then???

Immediately Leave When Off From Work Is One Of The Way To Make You Get Rich

2010-03-19T11:00:00.000+08:00

That is a "Should" rather than "Will" for you to leave immediately when Off from work. it's a amusing question to ask that : "how immediately leave when Off from work will makes you get rich???".

Well, according to some "Business Specialist", they state out few points:

1. Make you more efficiency

- normally your working time schedule is tight and full. there are neither begining nor ending for your tasks. the result is you need to work over time to cover your un-finish task. but if your off time is 5pm, you will need to re-schedule your task arrangement on which need to complete first. this definately will make your work more efficiency. then try to seldom chat with colleague (this quite hard leh), seldom online (this lagi hard), think more during working and this will helps u to deduct some unneccesary tasks.

2. Educate your superior (this one good XD)

- don't make your superior having over expectation on you. if your superior often see you OT then soon or later, your superior will think that you willing to OT often. this cause you becomes "SHOULD" stay back to OT. dont make your superior judge your performance based on your working time period.

3. Understanding what more valueable for u

- try to think what actually most valueable for u, whether famlily or working. for sure u may lost a chance to get promote or increment of salary. but at least u wont everyday keep working and u may regret because neglected your family, deplored never enjoy your life after u reach your ages around 40-5o something.

4. Make good use of rest periods

- the rest time should not only use for sleeping. why not cultivate some interest or hobby? after off from work, u may go to learn some talent, sport and investment to enrich your life. why need to make your day become working day only?

ok lah guys, don't keep on working, try to relax your mind and use the rest periods to learn some investment. once u step into investment world, u will found that the income u earn from your investment definately more than your OT fee.

Free Style Post

2010-03-12T12:20:00.013+08:00

Writing this post, I no more care about the grammar and will write out what actually on my mind now. No more care who on the others side reading my blog here. No more waiting until tomorrow just write this post, wait till tomorrow maybe no more having this kind of mood to write down.

Ok, community of Jing Bao Ying going to bubar soon. Few months later, should be remain only Bao. Yes, this is the fact and only fact. Ok, u, ya u.. dun look anywhere, yes I mean u, don’t ask me why what how and when. Ok lah, if tell u that I’m not sad is lie u one. Some pics to share here.

This pic (below left hand side) been taken during the H1N1 that time. He been forced by me to wear the mask because I told him “who no willing to wear then everyday will get scold by bozz”

Ya… this pic (above right hand side) lagi lagi funny, during meeting, we are sibek bored sitting there then I kemekkan the kertas gula2 until kecil2 and then put inside his pocket, he try liao around 10 minutes to take it out. It’s true coz I put it in inside the small pocket (normally use to put pen de pocket) instead of the big pocket.

Ok this pic (above left hand side) been taken during I very boring doing job then take my phone camera to take one =.=

Oh… he actually very hiao one, this pic (above right hand side) after he know I’m trying to take it then he sengaja near to my phone camera to let me take one.

Haiz.. think of the time we come in to work hor, we both set the target to buy Proton Persona after 1 year later and then create our own car community sticker. But finally I didn’t keep my promise to buy the car with him last year bcoz I make my decision to take that amount of money to buy stock. And now, mayb he try to balas dendam gua and going to leave me alone here soon even last time we promise each other to resign together one. Haha.. kidding la… but we agree that if both of us only remain one person here will be very very pity... ya very very pity.. mayb only both of us can understand gua..

Oh… quite kolot to say so but he is my good buddy instead. And now he going to leave from JK liao, should I continue to at here or leave? Ok, tell me wat to do now? i'm very tire now.. really. :

Money is hard to make

2010-02-25T09:58:00.014+08:00

I’m on thinking, wondering and doubting recently. I’m on calculating money recently. And I’m on planning of some financial recently. Incidentally, money is hard to make.

Let take a look at the task which I need to face everyday.

Sometimes the coding make me feels dizzy and because of this, sometimes I need to “eat snake” =.=

How many years still need for me to work for people? i wish having own business.. does software house field suitable for me?

* Additional

I get praise from a blogger yesterday. =.=

Paul: pls praise me

Paul: =.=

A : =..=

A: ohhh but u must blog ok

A: promise 1^st

A: u ar

A: hmmmm

A: u hor

A: hardwoking

A: friendly

Paul: still got others?

A: got tou nao <-- (brain)

Paul: this is for sure de

A: and most importantly

A: u wan to know the most importnat one?

Paul: a bit worry liao tim

* the rest cannot display for read =.=

Tiara Go, Saga Come

2010-02-16T11:17:00.002+08:00

Finally i trade in my old car and bought a new car. Last meter recorder for my old car - 152, 984KM.

Some pictures been captured just for memories purpose.

Around 4 years i drove this car, it ever been collided by people.

and sent to car workshop to repair by ...by... don't know call what name for this yellow car =.= ..

Last but not least, this is my new car... ^^

You rich?

2010-01-28T17:40:00.001+08:00

Today, I am going to share out one quite tangible theory on financial term.
What rich mean to? having 1 million? 10 million? Or 100 million? There are no precise answer for it.
Somehow, people are normally greedy. Thus, they always won’t satisfy of the things they had now and always wants more. On the other word, people requirement always more than the actual need. Well, I’m one of those greedy types of people. =.=

But an article inspired me and conclusion was made. To be rich, you only need:
1. Always retain cash on your pocket.
2. The cash you had enough for you to buy the things u dreamt.
3. The cash flow you had never interrupted.

There are no necessary for you to achieve 1 million on your saving account just consider as rich. But if the cash u had, enough for you to eat everyday, dating every week, traveling every year, and have a car + house then you are rich. Isn’t it?
However, if a person can be very clear on what they need and dream, then that person would more prudent on their financial management, and more prudent during use of the pockets money to ensure they able to buy the things they dream to. In fact, this kind of control on the spending money is one of the basic for financial management.

So, are you wanted to be rich? Or I should ask, are you rich?

10 Honest Award

2010-01-19T17:15:00.012+08:00

Few months ago, I receive an honest award from a blogger, Donna. Indeed, I wonder why I will write these 10 honest things regarding me today. I wonder how, I wonder why.

1. First of all, I look like hiao all the way but in fact, I’m serious. Don’t doubt about it. Just during working then I’m serious on work and will be serious on playing too while playing. Yes, that’s me.

2. I ever visited Sushi King for 3 times, MacD for 4 times, KFC for 3 times, and Pizza Hup for 3 times within one month. My face become quite round now I think most probability due to this reason. =.=|||

3. Well, I’m actually direct or straightforward person. You able to see clearly the emotion from my face while I’m mad or happy. This is not EQ low ok!! (ok lah, my EQ actually not so high =.=||| ). But sometime I will act nothing was happen even I’m really on mad. And even I’m really on mad, will be released from mad very soon. I’m not explaining but this is true. XD

4. .... nothing to write for #4... =.=|||

5. I’m talkative (I think none of you will disagree with it). From old men with shaky legs down to new born baby also I’m able to hang out together. I’m just try to be friendly ok.. =.=|||

6. Recently, some of you might think I’m being rude in certain conversation. But I just purposely play with the rude words and just for fun but now I think I get used to it. Never mind, I should proceed the rehabilitation while it’s seem still not too late for all. Actually I’m quite mind after I heard from someone shocked and said “Paul, is that u? I’m so surprise heard it from u”. (I’m not hypocrite ok, Mr Donna)

7. I wonder how and when i have become typical of no money no talk person… wtf… just kidding. I just more concern on my money now. I start learn how to manage my financial and on the same time I learn also to be kedekut.

8. I not really like to be IT programmer but I still work for 2 years. This is the reason why sometimes I eat snake during working hour =.=|||. I would like my future job more on system analyst or database management.

9. Any secret of me? Hmm… I like to sing K… oh… ok.. This not a secret. I have a weird habit to collect or keep some so call “amusing thing” and then resend to someone may involved so that I can keep on laughing maybe for 100 of times =.=|||

10. Okay, to someone may read this and the person I concerned, if u asking me how my feeling on you then my answer would be “I’m actually feels quite comfortable whenever or wherever together with you”.

At the end, I would like to pass this honest award to Vincent and Sylvene. Thus, you two be honest ya! Haha!

2013

2009-12-26T20:58:00.009+08:00

People's requirement truly is less but the case is that people always want more. I always remind myself this sentence, because I knew that if I limited myself to achieve what I wanted, then I'll never be able to attain some financial achievement of my path.

After the Christmas night, my hometown gang finally burned my fighting spirit to increase up my current saving money as possible as i can. Yes or no, my new personal goal to be achieving in the year of 2013 is to BUY HOUSE.

A ridiculous daydream discussion between us but we are serious on the suggestion to buy house together at the same location in the year of 2013. Either for the purpose to live in or considering as an investment, both also advantageous us. Thus, some financial management on how to save up the amount required for the housing before 2013 is planned. We even begin to plan where is location to buy and Double Storey House is chosen by us. I'm really seriously think on it and i'm sure them too!

A humorous suggestion by us but i think it's may work and it's such a good idea, haha! The suggestion as below after we bought the house at the same location:
Peng's house build up a karaoke room.
Pan's house build up a swimming pool.
Pelvin's house build up a small golf course.
And my house build up a snooker room.
The really ideal and awesome suggestion for sharing the facilities between us! Haha!
(Our gang named P Gang or sometime called 4P. 4P stand for Peng, Pan, Pelvin and Paul. don't think too much or you all actually not think of it but i want to explain that : WE NOT REALLY EVER PLAY 3P OR 4P =.=")

Indeed, purchase on the real estate always is my long term financial planning, in particular can brings high quality tenants which helps add on some of the cashflow on future.

And last but not least, i'm definately think that this personal target of buying house will be achieve in the year of 2013 unless the incident of 2012 really happen =.=". And this personal target was my christmas's wish as well for year of 2009.

Testing

2009-12-18T08:56:00.017+08:00

Show encrypted text

Pulau Bali

2009-12-05T19:08:00.032+08:00

I'm feeling so lazy to write this post due to too much things need to write!! Haha!

But tempted to share with you all how excited I was and how enjoyable was during this trip too.. XD. Somemore dxddx and xiaomxx too hardworking to update their blog… as kxkx, i need to do something too.. =.=”

My vacation on Pulau Bali started from 24 nov 2009 until 28 Nov 2009. I had depart from SIA to Indonesia Air Port because Air Asia Malaysia had canceled my flight.. thus, I need to depart from sg =.=”

First word of Indonesia language I learned is “kamar kecil” once I reach Indonesia’s Ngurah Rai Air Port. They called the toilet as kamar kecil.

We take the photo while waiting for our turn to check in on Indonesia’s custom.

Day 1:

Hotel : Fat Yogi cottages Kuta
Actually still quite comfortable to stay with because at least it's clean.. and .....cheap =.="

Able to differentiate the below foods?

Left hand side is Curry Fish Rice while the right hand side is Curry Chicken Rice. lolz..
We started the bali trip night with clubbing at Bounty!! It’s awesome!! I found that 99.9% of western foreigners here. Although journey in asia country but feel like I’m on western country!

Day 2:

OMG... Oh my god!! =.=" Dear all my friends, here is the place where I buy yours all souvenirs =.=”

(pan and pelvin =.=”, so sorry I put this picture because I really can’t find the photo which no people on this LJ photo one =.=”. Somemore I don’t want to put my photo lah..haha! u two don't mind 1 right? haha!)

Here is the scene from the hill of Batur. It looks like a wonderland! ^_^

The road toward to the hill of Batur just like the road we take to go Genting, a slanting road. On the hill, actually it’s quite cold, but we still wear such vest. This vest we buy together at the above souvenir shop (LJ Photo there =.=) with only rupiah 24000 (RM8-9). It’s quite cheap, right?

And we also have our buffet lunch at here. With such scene, such wheather, such environment, such foods.... fulamak... XD

The Batur’s Lake...

The Batur Ulun Batur Temple

This lake has a legend. If u able to meet the two big fish on this lake at the same time, then it will be bring luck to you according to the history.. but I didn’t meets the fish wor even one of the two fish T.T

After this, we went to check in on Green Field hotel.

Does it look great?

It’s time to have a massage and spa at Sedona Spa after all!!! Javanese Lulur with 17 century Javanese roya treatment. ^_^

After the massage and spa, we went to eat our dinner at Bebek Bengil with dirty duck.

I wonder why it’s named dirty duck. =.=” but it’s delicous!! The duck fried until quite crispy.. and the chili sos have a unique taste as compare with Malaysia’s chili sos. You should try it if u been here!

Day 3

Swimming on the early of morning.

At Ubud.... nice shoot!!

At Tanah Lot...

The Tanah Lot sunset...

The night life at Bali’s road. Cheerssss!!!

Capture the moon’s picture on the beach.

Day 4:
Hotel : Hardrock Hotel Kuta

We stay at Hardrock Hotel for 2 nights. It’s great! ^_^ but heard sound Hardrock Hotel has been down gred from 5 star to 4 star.

I like this swimming pool here!! It’s tooooooooooo big for all ^_^

Around 8am at the early of morning, we went to Kuta Beach for Ubud Ayung river Rafting.

I think i no need to write anything, but you all already know how fun is it, right? Lolx…

After the rufting, we move to the next destination, Monkey Temple.

After this, we go for full body massage again and then walk to the beach to swimming on the sea. No pictures for this activity because everyone was busy swimming on the sea with the big waves there. During the day (27/11/2009) I on the beach, on the same day but 6 years ago, Indonesia was happened tsunami. So a group of prayers of religion was prayed for the tsunami issue on the beach while I still swimming on the sea. Actually feels the sadness from them through their praying.

And do you all still remember the Bom issue happened at Kuta, Indonesia on 12 October 2002? Here is the name list.

This two big issues caused a lots of peoples died…

On the day 5, actually nothing more activity already. Thanks for the driver who send us to all of the places above..

and actually there still a lot of pictures and story not yet complete posted because it will be too much for all. :P

My Financial Management

2009-11-21T14:00:00.007+08:00

你不理财，财不理你！

When talking about financial management, do u really know how to manage it? In fact, you need to have a strategic or a suitable planning for your financial management no matter you are rich or poor.

i wonder when i start having this kind of mindset. Hmm.. most probably start from the final year during my studying at UTM which effected by one of my coursemate + roomate. he was doing a lots of direct selling such as Amway, Lamp Berger, Best Millennium, and even me ever involved on one of his direct selling. during that period, i saw lots of impulse teenagers which having mindset of fast making money. be honest, only few primary people on the direct selling will really success make more money, and the rest won't go far.

the wealth definately won't falling down from the sky, if u want to be rich, then for sure u need to work or else money work for you. and anyway, the money need to accumulate.

record down every month expend is one of my financial management. i have a habit to key in my everyday expend into an excel file. let say this month i plan to save up how much money, then the excel file will directly show me how much money which still available for me to spend. but sometime i really can't follow it =________=" due to too much temptations in life. by the way, every month must set a minimum target of money need to save up which is a must.

once you had some saving, then it's time for you to begin consider to do some investment on your money. maybe i still young, and still able to accept some risks. somemore i believe that it's the time and the oppurtunity for me to earn more money. then this make me dare to try something new and able to withstand the loss from investment. fixed deposit, insurance, and stock is the normal investment which peoples do and i was no exception. however for long term, i more prefer on real estate or traditional way bussiness.

(这个是写给你看的。。^_^)
and actually after all, it's important to find out an equilibrium. this equilibrium not refer to the physic or chemistry we study before. but is the equilibrium on which you find out the balancing between your money, family and love in your life. if follow the mathematic calculation, then should be divide this way : 33.33% of money, 33.33% of family, 33.34 % of love. this remind me on last night i just went to watch a movie call "A Christmas Carol". the old man Ebenezer Scrooge is greedy, cold-hearted, and pursuit of honor that hurted his wife. he was alone on every christmas day. but at last was reversing by the three spirits of christmas and he finally treats his fellow human beings with kindness and warmth.

so do u found your equilibrium in life?

The Irreplaceable Wife

2009-11-14T12:18:00.017+08:00

A good story to share with you all which i read from an email and found that it's very touching..

++++++++++++++++++++++++++++++++++++++++++++++++++++++

4 years ago, an accident took my beloved away and very often I wonder, how does my wife, who is now in the heavenly realm, feel right now? She must be feeling extremely sad for leaving a husband who is incapable to taking care of the house and the kid. 'cos that is the exact feeling that I have, as I feel that I have failed to provide for the physical and emotional needs of my child, and failed to be the dad and mum for my child.

There was one particular day, when I had an emergency at work. Hence, I had to leave home whilst my child was still sleeping. So thinking that there was still rice leftovers, I hastily cooked an egg and left after informing my sleepy child.

With the double roles, I am often exhausted at work as well as when I am home. So after a long day, I came home, totally drained of all energy. So with just a brief hug and kiss for my child, I went straight into the room, skipping dinner. However, when I jumped into my bed with intention of just having a well-deserved sleep, all i heard and felt was broken porcelain and warm liquid! I flipped open my blanket, and there lies the source of the 'problem'.... a broken bowl with instant noodles and a mess on the bedsheet and blanket!

Boy, was I mad! I was so furious that I took a clothes hanger, charged straight at my child who was happily playing with his toy, and give him a good spanking! He merely cried but not asking for mercy, except a short explanation:

"Dad, I was hungry and there wasn't anymore leftover rice. But you were not back yet, hence I wanted to cook some instant noodles. But I remembered you reminding me not to touch or use the gas stove without any adults around, hence I turned on the shower and used the hot water from the bathroom to cook the noodles. One is for you and the other is for me. However, I was afraid that the noodles will turn cold, so I hid it under the blanket to keep it warm till you return. But I forgot to remind you 'cos I was playing with my toys...I am sorry Dad..."

At that moment, tears were starting to run down my cheeks...but I didn't want my son to see his dad crying so I dashed into the bathroom and cried with the shower head on to mask my cries. After that episode, I went towards my son to give him a tight hug and applied medication on him, while coaxing him to sleep. Then, it was time to clear up the mess on the bed. When everything was done and well past midnight, I passed my son's room, and saw that he was still crying, not from the pain on his little buttock, but from looking at the photograph of his beloved mummy.

A year has passed since the episode, I have tried, in this period, to focus on giving him both the love of his dad and mum, and to attend to most of his needs. And soon, he is turning seven, and will be graduating from kindergarten. Fortunately, the incident did not leave a lasting impression on his childhood memories and he is still happily growing up.

However, not so long ago, I hit my boy again, with much regret. This time, his kindergarten teacher called, informing me of my son's absence from school. I took off early from work and went home, expecting him to explain. But he wasn't to be found, so I went around our house, calling out his name and eventually found him outside a stationery shop, happily playing computer games. I was fuming, brought him home and whack the hell out of him. He did not retaliate, except to say, 'I am sorry, Dad'. But after much probing, I realized that it was a 'Talent Show' organized by his school and the invite is for every student's mummy. And that was the reason for his absence as he has no mummy.....

Few days after the caning, my son came home to tell me, the kindergarten has recently taught him how to read and write. Since then, he has kept to himself and stayed in his room to practise his writing, which I am sure, would make my wife proud, if she was still around. 'cos he makes me proud too!

Time passes by very quickly, and soon another year has passed. It's winter, and its Christmas time. Everywhere the christmas spirit is in every passer-by...Christmas carols and frantic shoppers....but alas, my son got into another trouble. When I was about to knock off from the day's work, the post office called. Due to the peak season, the post master was also on an edgy mood. He called to tell me that my son has attempted to post several letters with no addressee. Although I did make a promise never to hit my son again, I couldn't help but to hit him as I feel that this child of mine is really beyond control. Once again, as before, he apologized, ' I'm sorry, Dad' and no additional reason to explain. I pushed him towards a corner, went to the post office to collect the letters with no addressee and came home, and angrily questioned my son on his prank, during this time of the year.

His answer, amidst his sobbing, was : The letters were for Mummy.

My eyes grew teary, but I tried to control my emotions and continued to ask him: " But why did u post so many letters, at one time?" My son's reply was: " I have been writing to mummy for a long time, but each time I reach out for the post box, it was too high for me, hence I was not able to post the letters. But recently, when I went back to the postbox, I could reach it and I sent it all at once..."

After hearing this, I was lost. Lost at not knowing what to do, what to say....

I told my son, " Son, mummy is in the heavenly kingdom, so in future, if you have anything to tell her, just burn the letter and it will reach mummy. My son, on hearing this, was much pacified and calm, and soon after, he was sleeping soundly. On promising that I will burn the letters on his behalf, I brought the letters outside, but couldnt help opening the letter before they turn to ash.

And one of the letters broke my heart....

Dear Mummy,

I miss you so much! Today, there was a 'Talent Show' in school, and the school invited all mothers for the show. But you are not around, so I did not want to participate as well.. I did not tell Dad about it as I was afraid that Dad would start to cry and miss you all over again. Dad went around looking for me, but in order to hide my sadness, I sat in front of the computer and started playing games at one of the shops. Dad was furious, and he couldnt help it but scolded and hit me, but I did not tell him the real reason. Mummy, everyday I see Dad missing you and whenever he think of you, he is so sad and often hide and cry in his room. I think we both miss you very very much. Too much for our own good I think. But Mummy, I am starting to forget your face. Can you please appear in my dreams so that I can see your face and remember you? I heard that if you fall asleep with the photograph of the person whom you miss, you will see the person in your dreams. But mummy, why havent you appear?

After reading the letter, I cant stop sobbing. 'cos I can never replace the irreplaceable gap left behind by my wife....

++++++++++++++++++++++++++++++++++++++++++++++++++++++

Thus, always cherish the people around you....

Itinerary for Bali‏

2009-11-06T11:09:00.008+08:00

^_^
I going to a planned five-day journey to Pulau Bali which the ticket booked since Jun. Wait until the neck is long.
Thanks to the organizer --> Ah Khim.
Thanks to the people who helps booked the flight tickets and hotels --> Ah Pan
Thanks to the peoples who are willing to join for the journey --> Ah Yi, Ah Peng, Ah Pei, Ah AiPeng, Ah Khim’s sister.
And finally thanks to me for writing this post. =.="
(so many thanks, sound like I am giving out a speech in Oscar award ceremony. I really did win best singer award last time... ^-^ you all not going to know about that, because everything only happened in my dream =.=”)

These are their plans, but in fact I dont really know where we would to go, what we would do and what we would play.
=.=”

+++++++++++++++++++++++++++++++++++++++++++++++++++++++

24 Nov 09-Tuesday
VF 541 1905pm - 2135 pm Arrival at Ngurah Rai Airport
Ngurah Rai Airport – Kuta Fat Yogi Cottage – Jl Legian
Hotel : Fat Yogi Cottage

25 Nov 09-Wednesday Ubud – Kintamani Tour – Ubud
8.30 am Kuta – Krisna - Thirta Empul – Kintamani – Batur Lake – Batur Ulun Batur Temple – Lunch at Batur Sari – Ubud – Green Field - Bebek Bengil dinner – Sedona Spa - Café Wayan supper
Hotel : Green Field bungalow Ubud

26 Nov 09 Thursday Ubud – Bedugul Tour – Kuta
9.00 am Green Field Bungalow – Jatiluwih Rice Terrace – Bedugul & Pura Danu Bratan (Bratan Lake) - Lunch at Strawberry Stop – Pura Taman Ayun - Tanah Lot – Double Six Club on Legian Beach in Bali for experience bungy jump – dinner at Bamboo Corner – Seminyak drinking night
Hotel : Hardrock Hotel Kuta

27 Nov 09 Friday Kuta Beach –Ayung River Rafting – Uluwatu Sunset – Kuta
Kuta Beach – Ubud Ayung River Rafting – Hardrock Hotel – 3.30 pm Dreamland – Blue Point – Uluwatu sunset – Jimbaran dinner –Hardrock night band
Hotel : Hardrock Hotel Kuta

28 Nov 09 Sat JQ 116 1445 pm - 1710 pm Bali - Singapore
Kuta Beach – Discovery Shopping Mall(10am-11pm) - Lunch at Celcius Cafe - Hardrock Hotel check out – 12.00 pm depart to airport.

++++++++++++++++++++++++++++++++++++++++++++++++++++

What actually on my mind is just having fun with friends and try on bungy jump, that’s all.
I want to try on bungy jump!!! Ah Pan, Ah Peng, Ah Yi, Ah Pei, Ah Khim, Ah AiPeng try with me please.. T__T play alone quite boring and I not like the feeling of “shiok sendiri”. Just look at the picture below, it's so excited! Awesome! It would be a waste if i don't try it out..

Actually my legs become jelly after see this. But because of acrophobia in me, my legs would become jelly like this. According to my sister, when I still a child, they keep gujiguji on my feet, that’s why I scare high now. =.=”

But I still brave to attempt. U all can call me as Brave Paul instead of Steady Paul. =.=" haha!

And now my dream to be millionaire comes true!
I bring around 4 millions for the journey!
But is rupiah millionaire…
=____________=”

The end

Maximize Your EPF with Investment

2009-10-21T22:09:00.026+08:00

Definitely, the main reason for withdrawing money from your EPF was to get the better returns!

The minimum amount of savings that can be withdrawn is RM 1,000 and can be made at intervals of three months from the date of the last transfer, subject to the availability of the Basic Savings required in Account 1. There are no other changes in conditions for the Member’s Investment Withdrawal. The Appendix below is for the Basic Savings Table.

I’m 25 years old now and let say I have 15k at my Account 1 then the calculation of the amount which able to withdraw out as below:

= (Savings In Account 1 - Basic Savings) x 20%

= (15, 000 - 9, 000) x 20%

= RM1, 200 (this value must at least RM1, 000 for you to withdraw).

Now, the question is,

“Do EPF members who invest their funds themselves make profits?”

There are no 100% able to helps you make profit but if with enough research and plus with some technical analysis then the percentage of earning will be indirectly increase for sure.

Few types of fund that normally people withdrew to invest on:

- Equity fund,

- Bond fund,

- Money marker fund

- Balanced fund.

Choose the one which you think it will help u earn a lot 1. =)

If you have any ideas about the fund, kindly share with me your opinions or experiences.=) Thanks..

It's good for you to start early for your plan of investment..

At last…

Master, I had done this post liao T.T

For you all know, my master is very strict to me 1 T.T

My Financial Planning for A Car

2009-10-13T23:38:00.012+08:00

I have an old car which my sister bought it since year of 1998. I had been drive it for 2 years after this car hands over to me. Well, on this stage of my age now, it still not a ideas time for me to belong an expensive or comfortable car. I need to save more for the investment which able to help me to achieve financial freedom on someday.

For me, buying a car is not a profit-making business. Year after year the car’s prices is going down. Thus, it’s not worth for me to run up a loss. Just viewed the car as a transport first before you become rich. Actually I was quite envy see the people around had buying their new car while I still driving my sis’s old car. But I do believe it was just temporary. I should be more patient and need constantly remind myself... I'm doing the right thing. I'm doing the right thing. I'm doing the right thing. I'm doing the right thing. .... right? T.T

But sometimes things happened not really like what you had planned geh... T.T

I’m a frequent customer to a car’s maintenance and service shop recently. It is a sign asking me it’s time to change a new car now! The spare part was too expensive to buy since Proton Tiara is the limitation edition antic now. I was forced to re-budget for my financial planning again...

I'm thinking to buy a new car or second hand car or change job to sg (no need buy car). According to my GM, Proton going to launch a new program for New Proton Saga with only RM20K in this end of year! but if this news is true then this New Proton Saga will be my choice. Else, I just wait and see loh T.T

If you want to buy a car, it is the best to use cash. If you can’t afford, just keep the car's loan as low as possible. Do not buy a car if you are unable to afford it.

This is my current car and my dream car.

Proton Tiara VS BMW Z4

Lastly but not least, I strongly believe that my dream is going to come true one day with my financial planning! =)

Pulau Besar

2009-10-07T08:10:00.022+08:00

- D’coconut Island Resort, Pulau Besar, Mersing, Johor.
- 12-Sept 2009 to 13-Sept 2009

First of all, as per my master request, I’ve decided to write this post. She triggers my urge to write the events’ activities I been visit last month after I show her the nice photo been captured. Pulau Besar is the best vacation I ever visit since I started to work.

D'coconut Island Resort is a tropical paradise situated on the island of Pulau Besar, Johor. The island was formally known as Pulau Babi Besar(LOL…). This island not yet been polluted and thus the island is surrounded by crystal clear water (as clean as the air ^_^), fine white sandy beaches (as white as my teeth +_+).

It’s cool~ , See the photo below:

Here is the resort. It’s quite clean and really comfortable to stay in.. But there was a problem with the toilet’s door, peoples from outside were able to look through what was I doing inside the toilet T.T and the door was unable to lock somemore =.=”.

The Restoran - we had buffet for our dinner

Oh my god~, talking about my experience on snorkeling, it’s really an unforgettable night mate for me! This is my first time trying on such sea activity. It’s raining heavily while I was on my way swim back to the ship! It’s extremely dangerous and always been rolled away by the huge waves. T__T But finally rescued by the beach boy lah ^_^! Fu~.. Too bad, I don’t have any snorkeling pic with me coz I was too busy rescuing myself… T_T

LALALLALA… Volley ball on the beach is really really extremelyyyyyyyy excited!! Play with the strangers and beach boy. All peoples as nice as me ^_^ so everyone had fun and enjoyed on the playing. ^_^

Well, when you travel to a trip, it’s really important to consider on the people you had join. A group of people which able to bullshit together with you one will be always the first choice for it! Although this short trip only takes 2 days but it brings me a lots of sweet and unforgettable memory. :)

Here is my crazy friend, XD

The magic formula to create billionaires

2009-10-03T23:25:00.006+08:00

I just went to read a blog from dana, i was attracted to one of his title called "The magic formula to create billionaires". He was strong with his conception of his personal finance.

According to him, only three condition for the billionaire's magic formula. Does there any special skills are those people who live frugally do not have while the rich people have? and what actually is the lack of white-collar workers do? How can a life rich in accumulated so much wealth? The answer is just simply : investment banking capabilities. The public financial management knowledge gap between the poor, is really the main reason causing the gap between rich and poor. Financial wealth only have three basic conditions: a fixed savings, the pursuit of high returns and long-term wait.

Assume that there is a young man, on a regular basis from now on be able to save up 14k Ringgit a year, and so continued to 40 years. Between he able to save up money each year from invested in stocks or real estate, and received an annual average of 20% of the investment rate of return, then 40 years later, he was able to accumulate how much? The amount of guessing should be 2000k Ringgit to 8000k Ringgit and the most is around 10 million Ringgit. However, the correct answer is : 1.0281 billion, a figure makes everyone was surprised. This data is the calculation of Finance with the formula is as follows : 14k(1＋20％)^40＝1.0281 billion.

The magic formula shows that i'm 25-year-old now with office worker, then when my retirement age of 65, i can become a billionaire ^_^. But if i retire on age of 45, the formula will be change to this : 14k(1＋20％)^ 20 = 0.051405 billion. Thus i still a millionaire wat.. LOL.. (i'm day dream now, oppss.. not day dream but night dream, it's 1am now ^_^).

There was no complicated techniques for finance and investment, the most important thing is the correct of concepts will win a financial wealth of each person, but to cultivate a habit which general people do not like.

I bought the stock

2009-10-01T08:53:00.014+08:00

A few months ago, these five stocks are my choice --> PPB, YTL, HLBank, Axiata, Stareit and Genting.

I’m the beginner on this area of investment for stock and however, I just started working with a short period with saving not much, thus among these five individual stocks, I only took two of it --> PPB and YTL.

*PBB and YTL

Before I buy the stocks, there's a good question to asking myself:

"You have to choose to put many balls into few baskets or put few balls into many baskets?"

I learned how to focus, rather than diversification of investment to more stocks and thus to become more accountable. When you have more stocks, it was more close to the market index return. While the stock market index rose 1%, over-diversified investment portfolio also rose by only 1%.

The below graphs is the stocks which i miss out to buy in but it grow up rapidly.. T.T

*Stareit and Genting

*Axiata and HLBank

Feelings and Struggling

2009-09-29T14:02:00.003+08:00

Looking back over the years what has happened, I’m really tired T_T. Among all the important and petty stuff, there are happiness and sadness; the expectations and disappointments. From fresh entry into the University of Technology up to now have done a year and a half of work. Fed up is because every day doing the repeating things...

A guy, normally bored Well with only two things. The first is money, and two are women. Now, I more bored with money matter.

I often ask myself when or what have to do in order to make my life first bucket of gold?? Regarding this matter, i really helpless and moodless... With my current job, I can’t have lots of my saving. So I always wish to have some outcome to let me increase more on monthly saving. But when looking back, what do think about it???? Start new small business or investment thing is the ideas for it. Adopting a new Idea, can be something to do with it.

Internet is the most simple and low cost of business start. A year ago, I create a forum on net, but a few months later, the forum was ended. Why? Can’t reach the crowd which a lots of people on discussion. Also, I was unable do better than Cari.com or JBtalks. So, that is widespread and not enough new or creative ideas, and thus its end. Failure does not matter, because its end up with only loss of few hundred Ringgit. Just treat it as experience and learning.

Four months ago, I joined the ranks of the stock. The reason is subject to the newspaper, books, friends, Internet, the experience of my manager, as well as my own personal judgments. Before of this, I have bought few books regarding investment and stock which most is point to the concept of finance and investment. I started buying a few stocks with few thousand Ringgit, to now also earn some moneys. While it is not earned much, but I believe this will be one of my sources of revenue on future!!! Yes, it will be..

Starting

2009-09-28T23:02:00.002+08:00

i have a new thinking recently to write a blog. A blog to record down my life happening. Feels that there is little bit of a pity if one day i forgot the more important or valuable moment been happen on daily of life.