Tuesday, June 04, 2013
Wednesday, May 29, 2013
Tuesday, October 12, 2010
How to Improve your life
POINTS ON HOW TO IMPROVE YOUR LIFE
Personality:
1. Don't compare your life to others'. You have no idea what their journey is all about.
2. Don't have negative thoughts of things you cannot control. Instead invest your energy in the positive present moment
3. Don't over do; keep your limits
4. Don't take yourself so seriously; no one else does
5. Don't waste your precious energy on gossip
6. Dream more while you are awake
7 . Forget issues of the past. Don't remind your partner of his/her mistakes of the past. That will ruin your present happiness.
8 . Life is too short to waste time hating anyone. Don't hate others.
9 . Make peace with your past so it won't spoil the present
10 . No one is in charge of your happiness except you
11 . Smile and laugh more
12 . You don't have to win every argument. Agree to disagree.
Community:
13 . Call your family often
14 . Spend time with people over the age of 70 & under the age of 6
15 . Try to make at least three people smile each day
16 . What other people think of you is none of your business
17 . Your job will not take care of you when you are sick. Your family and friends will. Stay in touch.
Life:
20 . Do the right things
21 . However good or bad a situation is, it will change
22 . No matter how you feel, get up, dress up and show up
23 . The best is yet to come
24 . Get rid of anything that isn't useful, beautiful or joyful
25 . When you awake alive and healthy in the morning, thank your parents for giving you this life, sing a song and be contented with everything, like the birds who stride the sky!
While you practice all of the above, share this knowledge with the people you love, people you hate, people you play with, people you work with and people you live with.Not only will it enrich YOUR life, but also that of those around you.
"ALWAYS LAUGH & MAKE OTHERS TO LAUGH"
Wednesday, January 20, 2010
First Post for 2010
Tuesday, August 11, 2009
How to make your first million
By Anthony Keane
News Limited newspapers
August 10, 2009 12:10am
- Setting financial goals key
- Take stock of your situation first
- Guides and tools: Start investing
- Money stuff: Dream big and plan
- Dollar Detective: Still paying off HECS?
MAKING your first million is always the hardest and, without clear financial goals, the dream will stay elusive for most people.
The old saying "it takes money to make money" rings true with wealth creation, but that does not mean those with little money cannot achieve financial freedom.
Setting financial goals is a key to getting ahead – from everyday savings and debt-reduction targets to longer-term investment goals.
Whether it’s a new car or holiday, paying off the mortgage, building a share or property portfolio or becoming a millionaire, it won’t happen by accident.
Planning is critical, but remember there is more to life than money.
AMP financial planner Mark Borg says finances ‘‘are to create and support a lifestyle, not the other way around".
"The big thing is to review your goals, because you change – and your wants, needs and dreams change,’’ he says.
A starting snapshot
A free Your Money brochure found on the Australian Securities and Investments Commission’s fido.gov.au website says that taking stock of your financial situation is the first step.
It says people should ask themselves if they are better off today than they were a year ago, examine what they own and what they owe, then look at their income and expenses to work out if they are saving any money.
"It’s fairly easy to make a few estimates, and then use your mortgage, credit cards, bank accounts and super statements to fill in the blanks," the ASIC brochure says.
Write it down
Investors’ advocate and neurolinguistic programming practitioner Angelo Mena says
people should always write down their financial goals so they are accountable to them.
‘‘What tends to happen is, if people don’t write it down, they have nothing to hold them to the goal,’’ says Mena, who runs a property investment business.
He follows a SMART – Specific, Measurable, Achievable, Realistic and Timed – goals system.
‘‘You can’t just say: ‘I want to be rich’. It doesn’t mean anything. You could have $1000 in Ethiopia and be rich,’’ he says.
"Be specific. For example: ‘In 10 years from now I will have $10 million worth of equity – and not just $10 million of property floating around’.
"Achievable means you have to be able to do it. If you use your present earnings – $50,000 for example – you won’t say you want to earn $5 million in a year.
"With such a big leap you can’t form a bridge to it.
"Go from $50,000 to $100,000 and you can form a bridge."
Timed goals are critical, Mena says: ‘‘If you don’t say by when, you might not get it until you are 90. Give a specific timeframe."
But don’t get caught out by expecting to get rich quickly.
"I see a lot of people who approach real estate investing like hitting a home run. They belt the ball so hard and think, with one deal, they will be rich for life," he says.
"It’s a lotto mentality."
How long does it take?
Experts say this is just like asking how long is a piece of string, but warn that people, generally, should not expect to become millionaires within a decade.
Mena says an average investor who owns a couple of properties and passively sits on them might have to wait 10-15 years to make a million dollars. Those who act aggressively can do it sooner, but there are traps for the unwary.
"Hoping for the best has hurt many property investors," he says.
"It’s not just a case of how hard you want to push it – it’s how smart you want to push it."
Barker Wealth Management senior wealth adviser David Kayser also suggests a 10-15 year timeframe is needed for the average person to make a million but, he says, it depends on a wide range of factors including income, children and mortgage repayments.
AMP’s Borg says 10 years is ‘‘not unrealistic in today’s world, especially when you put together your property, superannuation and two people working’’.
Bite-sized chunks
"You start with a 10-year goal and dream big," Borg says.
Five-year goals should also be set, with one and two-year goals written down too.
"Short-term goals are crucial, but people shouldn’t forget medium to longterm plans. By understanding where they want to head, people can start to work on their plan and achieve short-term aims."
Reward yourself
Borg says it is important to celebrate the goals you achieve: ‘‘I like travel, some people enjoy fashion. What’s most important is that it’s important to you.’’
Mena says financial goals are just one piece of the puzzle.
‘‘Balancing lifestyle is knowing there are certain aspects of life that have to be covered off – emotional, spiritual, friendships and relationships,’’ he says.
Kayser says lifestyle desires are important: ‘‘While trying to take care of the long-term, ensure that you still have fun shorter-term goals such as holidays.’’
Pitfalls
People should not get hung up on preconceived ideas, Kayser says.
"These include ‘house prices always go up’ and ‘superannuation is bad’.
Superannuation is simply an investment structure with a really low tax rate,’’ he says.
Other pitfalls include not protecting assets and income with insurance, trying to reach targets too quickly by taking too much risk, and not correctly analysing the level of debt you can service.
"Just because a bank will lend you X amount, it doesn’t mean you should borrow that much, because you may not have much spare cashflow to reduce this debt over time," Kayser says.
He says it is important to diversify your investments, and have the correct tax and
investment structures established for the longer term.
Tuesday, June 30, 2009
OZ Lotto 90 Millions draw
Anyway.. the winning number for Ozlotto is 3,12, 21,23,29,38,40 with supplementary number 22 and 43. :) Wonder if the jackpot been taken.
Tuesday, June 09, 2009
Best city: Sydney loses out to Melbourne
June 9, 2009 - 8:40AM
Australian cities occupy five of the top 20 places in a British survey ranking the liveability of 140 of the world's major centres.
Melbourne ranked third in the world, behind Vancouver in Canada and the Austrian city of Vienna in the Economist Intelligence Unit's 2009 Liveability survey.
It assessed 140 cities based on stability, health care, education, infrastructure and culture and environment, giving each one a rating out of 100.
Perth was equal fifth with Calgary in Canada, with Sydney sharing ninth place with Zurich in Switzerland and Brisbane in 16th place.
As well as Vancouver and Calgary, Canadian cities also featured strongly in the top 20, with Toronto (4th) and Montreal (17th).
The New Zealand cities of Auckland and Wellington finished 12th and 23rd respectively.
US centres were well down the list. Pittsburgh ranked highest, in 29th place.
The highest-ranked Asian city was Osaka in Japan (13th). The next highest was Hong Kong (equal 39th with Madrid, Spain) followed by Singapore (54th) and Seoul, South Korea (58th).
The worst city to live on earth is Harare, the strife-torn capital of Zimbabwe.
"The performance of Asian cities reflects the diverse levels of development throughout the region," EIU spokesman Jon Copestake said.
"Australian cities represent many of the best aspects of liveability, while instability in countries like Pakistan and Bangladesh means that cities in South Asia fare much worse."
The Economist Intelligence Unit is a branch of The Economist Group, which publishes The Economist, a weekly news magazine, in London.
AAP
Thursday, June 04, 2009
Weekend dinner at Norsiah's Kitchen

Last weekend, went to a makan place recommended by one of our Singaporean friend with rating of "GOOD". Anyway, the name of the restaurant is Norsiah's Kitchen. In comparison to Melbourne standard, it is considerably cheap. The Malay rice with 2 meats and one vege is price at AUD6.50. Which is rarely found anywhere today in Melbourne :P I have since then ordered the Malay Rice for myself and we have also order the Roti Chanai which is called Roti Prata for Singaporean. On top of that, the highly recommended Tauhu Telur, which is an Indonesian dish.
May be it has been a long time since I have taken Malay food.. so I thought it is quite nice. However, I don't think is comparable to Malaysia Malay food. This is more Singaporean Malay style. The Tauhu Telur, I still pretty much miss the one I have in Singapore at "Rice Table" which is always unforgettable for me. Later on we have a chat with the owner and understand that she is actually Singaporean and migrated over to Melbourne to start her own business. She learn to cook Indonesian food from one of her part-time worker who happend to be a student for the Melbourne University which is just around the corner. She said study in Melbourne University is tough.. She often see student from Malaysia and Singapore burning midnight oil in the library.. By the time she is closing and cleaning at 1am, only then those students start to head back to their hostel or home. We chit chat till around 10pm which my niece start complaining that is her sleeping time, then we start to head home :P
Anyway... information of the restaurant as follow:
- Addres 101 D/604 Swanston Street, Carlton
- Phone (03) 9347 7079
- Style Restaurants
- Cuisine Indonesian/Malaysian/Singaporean
- Hours Daily 11.30am-9.30pm
- Payment Cash
- Price Guide Rice dishes $6.50-$8; seafood dishes $8-$8.50; combination dishes $6-$6.50
Wednesday, May 27, 2009
What will you do?
Wednesday, May 20, 2009
小女孩 Call In 點歌
小女孩:我可以點歌嗎?
播音員:可以呀!妳想點給誰聽?
小女孩:我想點給我媽媽聽
播音員:好乖!妳幾歲?
小女孩:我十歲
播音員:十歲?!才國小三年及是吧?妳該不會是點童謠吧?
小女孩:我點給媽媽聽的,不是童謠啦!
播音員:那為什麼會想點給媽媽聽?
小女孩:我媽媽很辛苦,星期一到星期五都要加班到很晚才回家,回到家還要整理家
務,整理完後還要檢查我的作業,幫我復習功課,又預習功課,都要到半夜
才能睡覺,很累!
播音員:哇!光聽就很累。
小女孩:而且星期六、日好不容易休假,媽媽都還到書局找各種練習題回來給我
做,幾乎是從來不休息的,這樣犧牲休假不是很可惜嗎?
播音員:這倒是真的。妳想點誰的歌?
小女孩:是辛曉琪的歌
播音員:不錯喔,曲風成熟有韻味,妳媽咪一定會很喜歡而且感動,說不定會掉眼
淚呢!快告訴我是那一首?我一定也會感同深受掉眼淚。
小女孩:是『女人何苦為難女人』
播音員:%#$!*@..
母亲一生的八个谎话
男孩长身体的时候,勤劳的母亲常用周日休息时间去县郊农村河沟里捞些鱼来给孩子们补钙。鱼很好吃,鱼汤也很鲜。孩子们吃鱼的时候,母亲就在一旁啃鱼骨头,用舌头舔鱼骨头上的肉渍。男孩心疼,就把自己碗里的鱼夹到母亲碗里,请母亲吃鱼。母亲不吃,母亲又用筷子把鱼夹回男孩的碗里。母亲说,孩子,快吃吧,我不爱吃鱼!――母亲撒的第二个谎。
上初中了,为了缴够男孩和哥姐的学费,当缝纫工的母亲就去居委会领些火柴盒拿回家来,晚上糊了挣点分分钱补点家用。有个冬天,男孩半夜醒来,看到母亲还躬着身子在油灯下糊火柴盒。男孩说,母亲,睡了吧,明早您还要上班呢。母亲笑笑,说,孩子,快睡吧,我不困!――母亲撒的第三个谎
高考那年,母亲请了假天天站在考点门口为参加高考的男孩助阵。时逢盛夏,烈日当头,固执的母亲在烈日下一站就是几个小时。考试结束的铃声响了,母亲迎上去递过一杯用罐头瓶泡好的浓茶叮嘱孩子喝了,茶亦浓,情更浓。望着母亲干裂的嘴唇和满头的汗珠,男孩将手中的罐头瓶反递过去请母亲喝。母亲说,孩子,快喝吧,我不渴!――母亲撒的第四个谎。
父亲病逝之后,母亲又当爹又当娘,靠着自己在缝纫社里那点微薄收入含辛茹苦拉扯着几个孩子,供他们念书,日子过得苦不堪言。胡同路口电线杆下修表的李叔叔知道后,大事小事就找岔过来打个帮手,搬搬煤,挑挑水,送些钱粮来帮补男孩的家里。人非草木,孰能无情。左邻右舍对此看在眼里,记在心里,都劝母亲再嫁,何必苦了自己。然而母亲多 年来却守身如玉,始终不嫁,别人再劝,母亲也断然不听,母亲说,我不爱!――母亲撒的第五个谎
男孩和她的哥姐大学毕业参加工作后,下了岗的母亲就在附近农贸市场摆了个小摊维持生活。身在外地工作的孩子们知道后就常常寄钱回来补贴母亲,母亲坚决不要,并将钱退了回去。母亲说,我有钱!――母亲撒的第六个谎
男孩留校任教两年,后又考取了美国一所名牌大学的博士生,毕业后留在美国一家科研机构工作,待遇相当丰厚,条件好了,身在异国的男孩想把母亲接来享享清福却被老人回绝了。母亲说,我不习惯!――母亲撒的第七个谎
晚年,母亲患了胃癌,住进了医院,远在大西洋彼岸的男孩乘飞机赶回来时,术后的母亲已是奄奄一息了。母亲老了,望着被病魔折磨得死去活来的母亲,男孩悲痛欲绝,潸然泪下。母亲却说,孩子,别哭,我不疼。――母亲撒的第八个谎
不论你多富有,不管你官多大,到什么时候也离不开咱的妈....愿天下父母平安度春秋....... 珍惜母亲的每一个谎言,好好的对待父母,很多东西,失去后才得来的珍贵代价太大.所以一定要好好的爱我们的父母~
如果我還一直深愛著你...你是否還會待在我身邊?
如果我還一直在乎著你...你是否會再多看我一眼? 是否我已不存在了...你才感覺的到我的離開? 是否我已離開了....你才感覺的到我對你的好? 在此祝福全天下父母平安度春秋~~'
把這個故事加在你的部落格
母亲一生的八个谎话——看完请不要流泪
儿时,小男孩家很穷,吃饭时,饭常常不够吃,母亲就把自己碗里的饭分给孩子吃。母亲说,孩子们,快吃吧,我不饿!――母亲撒的第一个谎
男孩长身体的时候,勤劳的母亲常用周日休息时间去县郊农村河沟里捞些鱼来给孩子们补钙。鱼很好吃,鱼汤也很鲜。孩子们吃鱼的时候,母亲就在一旁啃鱼骨头,用舌头舔鱼骨头上的肉渍。男孩心疼,就把自己碗里的鱼夹到母亲碗里,请母亲吃鱼。母亲不吃,母亲又用筷子把鱼夹回男孩的碗里。母亲说,孩子,快吃吧,我不爱吃鱼!――母亲撒的第二个谎。
上初中了,为了缴够男孩和哥姐的学费,当缝纫工的母亲就去居委会领些火柴盒拿回家来,晚上糊了挣点分分钱补点家用。有个冬天,男孩半夜醒来,看到母亲还躬着身子在油灯下糊火柴盒。男孩说,母亲,睡了吧,明早您还要上班呢。母亲笑笑,说,孩子,快睡吧,我不困!――母亲撒的第三个谎
高考那年,母亲请了假天天站在考点门口为参加高考的男孩助阵。时逢盛夏,烈日当头,固执的母亲在烈日下一站就是几个小时。考试结束的铃声响了,母亲迎上去递过一杯用罐头瓶泡好的浓茶叮嘱孩子喝了,茶亦浓,情更浓。望着母亲干裂的嘴唇和满头的汗珠,男孩将手中的罐头瓶反递过去请母亲喝。母亲说,孩子,快喝吧,我不渴!――母亲撒的第四个谎。
父亲病逝之后,母亲又当爹又当娘,靠着自己在缝纫社里那点微薄收入含辛茹苦拉扯着几个孩子,供他们念书,日子过得苦不堪言。胡同路口电线杆下修表的李叔叔知道后,大事小事就找岔过来打个帮手,搬搬煤,挑挑水,送些钱粮来帮补男孩的家里。人非草木,孰能无情。左邻右舍对此看在眼里,记在心里,都劝母亲再嫁,何必苦了自己。然而母亲多 年来却守身如玉,始终不嫁,别人再劝,母亲也断然不听,母亲说,我不爱!――母亲撒的第五个谎
男孩和她的哥姐大学毕业参加工作后,下了岗的母亲就在附近农贸市场摆了个小摊维持生活。身在外地工作的孩子们知道后就常常寄钱回来补贴母亲,母亲坚决不要,并将钱退了回去。母亲说,我有钱!――母亲撒的第六个谎
男孩留校任教两年,后又考取了美国一所名牌大学的博士生,毕业后留在美国一家科研机构工作,待遇相当丰厚,条件好了,身在异国的男孩想把母亲接来享享清福却被老人回绝了。母亲说,我不习惯!――母亲撒的第七个谎
晚年,母亲患了胃癌,住进了医院,远在大西洋彼岸的男孩乘飞机赶回来时,术后的母亲已是奄奄一息了。母亲老了,望着被病魔折磨得死去活来的母亲,男孩悲痛欲绝,潸然泪下。母亲却说,孩子,别哭,我不疼。――母亲撒的第八个谎
不论你多富有,不管你官多大,到什么时候也离不开咱的妈....愿天下父母平安度春秋....... 珍惜母亲的每一个谎言,好好的对待父母,很多东西,失去后才得来的珍贵代价太大.所以一定要好好的爱我们的父母~
如果我還一直深愛著你...你是否還會待在我身邊?
如果我還一直在乎著你...你是否會再多看我一眼? 是否我已不存在了...你才感覺的到我的離開? 是否我已離開了....你才感覺的到我對你的好? 在此祝福全天下父母平安度春秋~~'
把這個故事加在你的部落格
母亲一生的八个谎话——看完请不要流泪
儿时,小男孩家很穷,吃饭时,饭常常不够吃,母亲就把自己碗里的饭分给孩子吃。母亲说,孩子们,快吃吧,我不饿!――母亲撒的第一个谎
男孩长身体的时候,勤劳的母亲常用周日休息时间去县郊农村河沟里捞些鱼来给孩子们补钙。鱼很好吃,鱼汤也很鲜。孩子们吃鱼的时候,母亲就在一旁啃鱼骨头,用舌头舔鱼骨头上的肉渍。男孩心疼,就把自己碗里的鱼夹到母亲碗里,请母亲吃鱼。母亲不吃,母亲又用筷子把鱼夹回男孩的碗里。母亲说,孩子,快吃吧,我不爱吃鱼!――母亲撒的第二个谎。
上初中了,为了缴够男孩和哥姐的学费,当缝纫工的母亲就去居委会领些火柴盒拿回家来,晚上糊了挣点分分钱补点家用。有个冬天,男孩半夜醒来,看到母亲还躬着身子在油灯下糊火柴盒。男孩说,母亲,睡了吧,明早您还要上班呢。母亲笑笑,说,孩子,快睡吧,我不困!――母亲撒的第三个谎
高考那年,母亲请了假天天站在考点门口为参加高考的男孩助阵。时逢盛夏,烈日当头,固执的母亲在烈日下一站就是几个小时。考试结束的铃声响了,母亲迎上去递过一杯用罐头瓶泡好的浓茶叮嘱孩子喝了,茶亦浓,情更浓。望着母亲干裂的嘴唇和满头的汗珠,男孩将手中的罐头瓶反递过去请母亲喝。母亲说,孩子,快喝吧,我不渴!――母亲撒的第四个谎。
父亲病逝之后,母亲又当爹又当娘,靠着自己在缝纫社里那点微薄收入含辛茹苦拉扯着几个孩子,供他们念书,日子过得苦不堪言。胡同路口电线杆下修表的李叔叔知道后,大事小事就找岔过来打个帮手,搬搬煤,挑挑水,送些钱粮来帮补男孩的家里。人非草木,孰能无情。左邻右舍对此看在眼里,记在心里,都劝母亲再嫁,何必苦了自己。然而母亲多 年来却守身如玉,始终不嫁,别人再劝,母亲也断然不听,母亲说,我不爱!――母亲撒的第五个谎
男孩和她的哥姐大学毕业参加工作后,下了岗的母亲就在附近农贸市场摆了个小摊维持生活。身在外地工作的孩子们知道后就常常寄钱回来补贴母亲,母亲坚决不要,并将钱退了回去。母亲说,我有钱!――母亲撒的第六个谎
男孩留校任教两年,后又考取了美国一所名牌大学的博士生,毕业后留在美国一家科研机构工作,待遇相当丰厚,条件好了,身在异国的男孩想把母亲接来享享清福却被老人回绝了。母亲说,我不习惯!――母亲撒的第七个谎
晚年,母亲患了胃癌,住进了医院,远在大西洋彼岸的男孩乘飞机赶回来时,术后的母亲已是奄奄一息了。母亲老了,望着被病魔折磨得死去活来的母亲,男孩悲痛欲绝,潸然泪下。母亲却说,孩子,别哭,我不疼。――母亲撒的第八个谎
不论你多富有,不管你官多大,到什么时候也离不开咱的妈....愿天下父母平安度春秋....... 珍惜母亲的每一个谎言,好好的对待父母,很多东西,失去后才得来的珍贵代价太大.所以一定要好好的爱我们的父母~
如果我還一直深愛著你...你是否還會待在我身邊?
如果我還一直在乎著你...你是否會再多看我一眼? 是否我已不存在了...你才感覺的到我的離開? 是否我已離開了....你才感覺的到我對你的好? 在此祝福全天下父母平安度春秋~~'
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母亲一生的八个谎话——看完请不要流泪
Wednesday, May 06, 2009
Friday, May 01, 2009
Thursday, April 30, 2009
Point of life
Wednesday, April 22, 2009
Thought
Friday, April 17, 2009
Our ex-PM Dr M is trying to make money through bloging too
I am surfing the internet and coming to an interesting article, it was about our ex-PM blog that he has set up and attract a lot of traffic who those still regard him as "god". Apparently he is making good money from the blog with the advertisement scheme. If take a look at the screen captured above, he is charging proton for the top banner of Proton Exora for RM12,000 for 7 days of advertisement. Just in case you are curious, the charges are as follow:
- Side Box - 170px x 200px - RM5,000/month
- Top Banner - 728px x 90px - RM12,000/month
- Discounts available for advertising periods of one month & above.
- All advertising positions are on rotating basis with a maximum of 5 ads.
- Rates quoted above are on a per banner/day basis, minimum of 7 days.
- For banner designs, a fee of RM70 per design will be charged. Design fees will be waived for advertising campaigns of above RM2500.
- Ads in Top Banner & Tower Box positions will appear in the Main Page & Inside Page .
Wednesday, April 15, 2009
Tuesday, April 14, 2009
Easter Holiday at Lakes Entrance

On the second day morning, we rented a boat to ride on our own. It was pretty exciting as this is the first time we ride a boat on our own.. Hahaha.. eventhough it is just a boat that can go as fast as 5 knot/ hour. But I guess for someone who never be "captain" of the boat before, it is good enough to satisfy our "childhood dream".

On the third day of stay, We decided to follow what majority of people is doing over there. Get ourself a fishing rod and start fishing like the rest... however, it can never be like the rest.. as this is the first time I go on fishing, a lot of funny things happend :P I put the string from the wrong side and cause the whole fishing rod to jam :P I cannot hook the bait correctly, each time when I do my casting, I lost my bait... I become the laughingstock for both of my sisters.. :( But after much practise, I finally improve... I can hook my bait better and I can cast further then I thought :P Will post more photos after I process it .. :)




