tOm@kO's life ~*_*~

i'm surprise and amazed by the 时间观念 of Malaysian.
if you cant make it at a certain time
you should not say you don't know

actually i hate to communicate with people on date of time.
i'm the kind of person who like to be punctual
i like to be punctual
be sure of the time

i do not like to be late
i dun like to lie.

i dun understand the meaning of punctual by others

somehow i lost my energy to update my blog last few years.
but somehow i found back my interest in blogging lately.
can see from the increasing post number lately.
can see from i changed my template lately.

can see from i visit my blog more often lately.
maybe there is nobody at my back looking at me as i have more time to think
more time to imagine
more time for myself
and some advice from friend in term of blogging
so i have two blog running simultaneously.

intending to revive my mandarin blog soon
hopefully i got da time to do so
peak is coming soon
hopefully i will survive ;)

last Monday i submitted on tax filing via e-filing (since the government is encouraging us to do e-filing why not support them? someone told me they are concern about the internet safety, whether it is not safe, not convenient and stuff when submitting their tax return via e-filing. but i guess if the system is not good i think the government would not implement it anyway.)I support e-filing cos it's paperless, less error as the tax figures are auto generated and you just need to key in the necessary figures into the relevant column, you can save your return in softcopy, you can recall your acknowledgement when you forget to save it.

As there are some money which i have over paid and refund should be claimed back.
I decided to give myself and IRB a little test.
that is to see how long it would take for the IRB to issue me with a refund confirmation and refund, since a lot of money and promotion was put in by the government with the pledge to the people that they are working towards fast refund being able to process the refund soonest within 14 days.
i do not remember the above 14 days refers to 14 working days or about 2 weeks time. if you can remember there is an advertisement from Pemudah which is the organisation set up by Pak Lah team to improve the government working procedure and working process.
I would like to know how fast the IRB would take action since i submitted my tax return via e-filing.
So i did not write any letter to the IRB.
I just sit and wait.
I guess my account is pretty clean and i think it wont take them very long time to process my refund.

So today i received a letter from the IRB dated 2/4/2009 stating they had processed my refund and i should receive my cheque soon.
wow.. within 10 working days.
should give them credit on the fast action and initiation taken by the IRB.
So now what i have to do is wait for the cheque.
Wish i think would also be send to me by "POST"
Hopefully i can get the cheque by end of the month.
cos my poket kosong-kosong lo... :P

anyway, do you know that you can actually apply for instalment payment (for 3-6 instalment) for the balance of tax payable and IRB will write a letter to your employer requesting them to deduct your salary every month?
i guess it's good, cos like credit card you can apply for easy payment.
you can negotiate with the IRB for the number of payment you wanna make and it would not result to a big hole in your pocket immediately when it comes to tax filing deadline and you can ease your cashflow and help you maintain your budget better.

my friend argued with me why we need to participate during earthhour
it’s just another promotional tactic.

but to me…
if it is a promotional tactic,
it does not require you to spend money to support this action
why not just support it?

if it is a promotional tactic it would be a very successful promotion
cos the awareness that it has created
is very powerful
even the auntie would ask whether we should participate during the earth hour
so you see how powerful advertisement is
like water it goes through blogs, FB, youtube and other other changgih technology stuff
also we have radio and television not forgetting the newspaper creating the awareness.

was discussing with a friend regarding earth hour and the post i post in my blog.
and he told me why should we care about offing the light for one hour.

actually i guess it is not about whether you should off the light for one hour
it's about whether you still concern about the place you are staying which is the earth.
you need not really off all the lights in your house and stay in the dark
just off those unnecessary light, like those big companies did.
i.e. starbucks, GSC and stuff..

last time i do practice offing the lights when we are not in the cubical where we are out for lunch.
i think this is a good habbit which i see my old group members are still practicing it till today.
sometimes people ask why we off the lights in our group.
i guess is just a habbit cos we were told that the management can actually measure the usage of power of your group if you did not switch off the lights.

i guess i should ask my current group member to off the lights when they go off for lunch as well.
to save the electricity for an hour during lunch hour.
i think a small deed can really make a big difference to the place we stay.
it might not be material to yourself.
but just by a simple action it would help...
why not..
just raise your hand and off the light for an hour?

i've checked the company's list...
whether my company is in the list of supporting the earthhour activity.
too bad it's not... even the other two big company i.e. P and K company is participating.

but based on t0m@k0's philosophy of if it is to be it's up to me...
i can spread the words through my blog...

if you do not intend to off your light.
just try to turn off those unnecessary lights
turn off your pc
turn off your aircon
turn off your TV

i think dun look down on this small deed.
it will help to contribute to a big deed.
cos if it is to be it will be all up to yourself.

reminder again..
to off your lights at 8.30 pm - 9.30 pm Saturday Nite. you can extend if you are happy ;)
Vote Earth...
Switch off whatever you can switch off...

YOUR LIGHT SWITCH IS YOUR VOTE

This year, Earth Hour has been transformed into the world’s first global election, between Earth and global warming.

For the first time in history, people of all ages, nationalities, race and background have the opportunity to use their light switch as their vote – Switching off your lights is a vote for Earth, or leaving them on is a vote for global warming. WWF are urging the world to VOTE EARTH and reach the target of 1 billion votes, which will be presented to world leaders at the Global Climate Change Conference in Copenhagen 2009.

This meeting will determine official government policies to take action against global warming, which will replace the Kyoto Protocol. It is the chance for the people of the world to make their voice heard.

Earth Hour began in Sydney in 2007, when 2.2 million homes and businesses switched off their lights for one hour. In 2008 the message had grown into a global sustainability movement, with 50 million people switching off their lights. Global landmarks such as the Golden Gate Bridge in San Francisco, Rome’s Colosseum, the Sydney Opera House and the Coca Cola billboard in Times Square all stood in darkness.

In 2009, Earth Hour is being taken to the next level, with the goal of 1 billion people switching off their lights as part of a global vote. Unlike any election in history, it is not about what country you’re from, but instead, what planet you’re from. VOTE EARTH is a global call to action for every individual, every business, and every community. A call to stand up and take control over the future of our planet. Over 74 countries and territories have pledged their support to VOTE EARTH during Earth Hour 2009, and this number is growing everyday.

We all have a vote, and every single vote counts. Together we can take control of the future of our planet, for future generations.

VOTE EARTH by simply switching off your lights for one hour, and join the world for Earth Hour.

Saturday, March 28, 8:30-9:30pm

Dear frens,

On Saturday, March 28, 2009, at 8:30 p.m. (Malaysian Time or you can choose at your local time), t0m@k0 will be taking part in Earth Hour, sponsored by the World Wildlife Fund. I’ll be joining tens of millions of concerned citizens and corporations in calling for action to save our planet for future generations.

I'm proud that I'm making a statement about the fight against climate change, and you can sign up to participate, too. You can learn more about Earth Hour at www.EarthHour.org, and you can sign up to participate at www.EarthHour.org/signup.

If you’d like a high level history of Earth Hour, more than 50 million people in 400 cities around the world took part in Earth Hour 2008. The lights went out at Sydney’s Opera House, Rome’s Coliseum, the Empire State Building and the Golden Gate Bridge and Even our very own KLCC and KL Tower and also Penang Bridge will go dark during the earth hour. Even the Google homepage went dark for the day. Many major corporations took part including HP, Coca-Cola, and Morgan Stanley.
This year, Earth Hour promises to be even bigger. In Malaysia, cities large and small have said they’ll participate including Kuala Lumpur with more signing on daily. They will join international cities such as Beijing, Cape Town, Copenhagen, Edinburgh, Helsinki, Hong Kong, Kuala Lumpur, London, Manila, Mexico City, Moscow, Rome, and Toronto. You can view WWF’s video about Earth Hour 2009 at www.youtube.com/watch?v=BjWD8pbK5t8 to get a sense of the magnitude of this event.

I’m excited about Earth Hour and I hope you’ll join me in uniting with the world to make a difference for our planet. Don’t forget—March 28th at 8:30 pm, turn out, take action.

Thanks,

t0m@k0


P/s you can choose to go dark completely or...
1) to stay away from your computer and switch it off and also your modem and stuff for one hour from 8.30 to 9.30
2) to off your air-conditioner
3) to switch off unnecessary lights
4) to sit down and write your feelings about participating in earth hour
5) to spread the word to your neighbour, friends and family
6) you need not go to shopping as shopping centres such as the curve, jusco are committed to participate in earth hour
6) last and foremost, spread the word out.. ask yourself and your friend to support earth hour

On March 28, 2009 at 8:30 pm, tens of millions of people around the world will turn out their lights for one hour — Earth Hour—to demonstrate their concern for our living planet and send a loud message to our leaders that they support action on climate change. Here are a few ideas for ways your organisation can support and publicise Earth Hour:

1. Hold a contest among employees with a prize for the best ideas for reducing waste and cutting energy consumption in your company’s daily operations.
2. Ask your business partners, suppliers and industry peers to support Earth Hour. Hang banners and posters so that your support is visible to all who enter your offices or buildings.
3. Turn your website “go black” during the week leading up to Earth Hour; make all white backgrounds black and all black text white. (Google did this in 2008!) Post a blurb about the event on your homepage that links to the Earth Hour home page.
4. Hold a company-wide event or celebration for employees the week proceeding Earth Hour and serve “green-themed” refreshments. Host an Earth Hour “lights out” party for your staff, customers and vendors on the night of the event. Be sure to turn out at 8:30 pm local time.
5. Schedule a meeting or send an email to employees from the Chairman or CEO explaining why the company is supporting Earth Hour and urge them to “turn out” at home. The entire executive team, including the CEO, should pledge to participate as well.
6. Create an Earth Hour section on the company intranet where employees can post ideas for celebrating Earth Hour and photos following up the event.
7. Hold employee contests with awards going to the staff member who recruits the most people to sign a pledge to say they will participate or who comes up with the most creative promotional idea for Earth Hour.
8. Ask the company cafeteria to hold a special candlelight lunch the week of Earth Hour, featuring dishes prepared using organic and sustainably products to remind employees about the event.
9. Create special TV, radio and newspaper ads to showcase your company’s participation in Earth Hour and to urge others to join.
10. Issue a news release and contact news media and radio stations and tell them what your company is doing to support Earth Hour and why.

We should off lights which we do not only during earth hour
but during our daily life when we need not on the light unnecessarily
so.. support earth hour by... (see my next post)

我非常不明白为什么有些人可以那么不可理喻的
他需要那东西的时候，只要说一声，人家就应该借他。
帮忙他是应该的，
应分的
是不必言谢的

可是主人需要用到那东西的时候，
要拿回来自己用的时候
好像那东西已经是他的
而主人是要请求他
问他可不可以把东西拿回来

而他的答案却是
是主人不应该和他拿回来的
不应该的，因为他有需要用到

不晓得为什么就有那么不可理喻的人
不知道

心中现在有一股气愤难平的心情
非常非常生气
不知道如何是好
想让自己冷静
很生气

the firm is taking some action on cutting cost.
Saving cost by using less dispatch and more on courier service which is much much more cost effective.

some how i think it’s good in a way that it create a win-win situtation or 双赢 situation for both client and us.
but i would wonder whether some would think it is troublesome.
sometimes i would think whether there is a necessary for us to send all the documents by hand since it’s so expensive.
and client might comment why you need to send by hand while you can send to me via courier.

in this economy down time people look at various way to cut their cost.
sometimes they like your service.
but they need to cut cost.
so they find various reason to say this is too high that is too high end up you will come to a situtation that you will loose the job.

i keep on resulting to the person who send me to work being late to work.
i’m guilty
so.. what should i do?
just wake up early
and sleep earlier.
dun play the computer in the morning?
only play it during the weekends?
i’m troubled and confused.
hopefully it won’t happen anytime soon
or else i’ll be very very guilty.

You might notice that I’ve change the title of my blog to t0m@k0’s life..

This correspond to the new blog template which I’ve switch yesterday where it was prefixed

Something about… on the coffee cup

And so I should be continue with t0m@k0’s life

And there is also a tag on t0m@k0’s cr@p in d@ 0ffic3 which is the wordpress blog where I can post what I’m thinking when I’m bored.

And also tag on website which I need to go very often daily ;)

Would like to changed to the small intro of my blog

We could never have a exact prediction on what is going to happened even with advance planning. At times, we might missed some golden opportunity and made some wrong turning. Apart from being upset for what had past, we should look forward and concern about the future! Because this is my life.. if it is to be it's up to me :) Live it... Love it... This is my life

yesterday big big boss called and ask who you think should be promoted.
it’s a difficult question for myself.
cos i think both deserve to be promoted. since both of them are pretty helpful to the old boss.
then i think again.
how about the juniors
whether they got any promotion?
if no promotion how about increament?
some who has been working for a long long time they deserved to be promoted based on my judgement.
but i wonder the Supervisor 1 should be of what standard…
and Senior 1 is of what standard

whether are you above average
you are average or below average

finally i finished my the migration of my blog templete
with a little help from trevor
and a little time from myself..

tata..
new look of t0m@k0's life
so...
please give some comment whether you like it or not..
or you like the old one better...
and anything else you would like to see from my blog

hope to be a cool as possible in da future
gambade
hope to crap more in the office
then can crap myself back in t0m@k0's life.

i spend the weekend not working but more to more time for myself.
saturday went for movies which i think is a meaningful one, shopping
yeah again spend a lot of money.
i guess i should keep my credit card and prevent it from being used by me

then sunday i stay at home
and we bought some abalone …
yeah abalone mushroom
and i decided to show a bit of my cooking..
but i do not know how to cook :P
hahaha…
so..

i cooked those instant mushroom soup with abalone mushroom inside which i think which turn out to be a very good soup.
and also fried frog leg using some egg and special frying flour
it turn out to be a nice dish even i think that i’m not a good cook
but i do see the happiness of being able to cook with the person you like
and cook for the person you like geh.

Slumdog reminds me of poverty which still exist at the very moment that we are being bz complaining our life is like this not good like tat not good.
we got not enough attention and love from the people that we want them to pay attention at
I'll mumble that i have no money and i'm broke and very poor but...
money not enough...

but when you think and compare with those people in the movie
they are people who are really living in a bad condition
no money; no live

and we really like living 10X or even 100X better than them
yet we are keep on complaining
too many work;
too much pressure;
too little pay;
too little happiness

but on the other hand
when your mind start to complain..
think about them
compare them with yourself
you would feel better
cos you really live better as compared to them
you would feel glad and happy

today went to watch Slumdog Millionaire for free...
why cos it's my b'day this month (ok please dun let too many people know about it :P)

haha...
we are longing to watch the movie for a long time eva since it won many oscar award...
but too bad the tickets are difficult to be booked for so
we put on hold the intention of watching the movie
and so happened this week my fren Trevor told me that he is going to watch Slumdog Millionaire

He thinks it's quite a good movie.
thanks to him i remember that i wanted to watch this movie and so i happened to watched the movie a day later than him.
and before the movie when i was surfing the GSC's website i suddenly remember there is this b'day free movie thingy so i quicky printed out the coupon and it saved me RM 10 ;)

so what do i think about the movie..
nothing much..
just that it reminds me about the following how 幸福 we are:-
1) little kids in the movie have to beg in order survive
2) little kids was purposely being blinded in order for them to beg for more money
3) little kids have to steal and cheat for a living
4) little kids lost their parents when they were young and they have to live on their own in order to survive
5) some people in the world does not even get to travel outside their own country and some have taken plane more than the number of times they taken a bus
6) you need not be a genius to be a millionaire
7) you need luck and gust to be a millionaire

i like the final part of the movie where both the actor and actress dance at the train station.
yeah it's the typical Hindi movie style
some like to watch Hindi movie cos of the dancing and the actor chasing actress along the bush... and now you see me now you don't game in between the trees

i helped a college to mark some exam script earlier..
and i forget that i have yet to receive the pay for marking the script

ha… so.. i got a few hundred extra pocket money enough to cover a bit of the hole inside my pocket.

looking forward for better pay in the future…

my new position makes me feel more and more stressful
thinking about budget, billing and collection.
about how to justified the fees to bill client
and i also think about it when i'm sleeping
i think it's getting into me.

but i just feel that it is part and parcel of my career learning which i should learn.
nobody is there to hold ur hand as what i said previously.
you have to find your own way out.
either you learn it in a hard way or an easy way

if you got hair who wants to be bold.

if you got chance who wants to stay in the office for OT?

if you can pay me with lot’s of money and with light work load, of course i would accept it.

but i guess i’m day dreaming again.

mood going up and down up and down lately

cos i’m placed in between a pile of big mess.
do not know where to begin with.

yeah i was placed in a pile of mess before.
do not know what and where to begin with before.
i went through the hard way..
try to give my best service
and people remember what i’ve done for them
and yes people talk about me when they meet others and they ask whether you know this person she is very nice bla.. bla.. bla…

but i’ve also gotten a lot of complain
not those type which you wish to listen.
anyway life is never a bed of roses waiting for you that’s what my x boss always tell me.
maybe i should get more consultation from her so that i would be able to improve myself further.

i have no idea seems like i’m lost
but i cant turn back cos the road behind me was block with rocks and stuff..
i have no ideas i’m alone..
nobody to hold your hand to guide you
you have to swim alone.
you would be answerable to all the question raised
you would be responsible for all the faults and error you made.
you are responsible for not taking care of the error that your staff have made.

my mind is blank for a few days.
not motivated to work...

and my x manager says that i'm only good and efficient when i serve certain client.
and this attitude should be applied across the board...
should i be nice to the clients i like?
or should i be nice only to those people i like?
i wonder.

i gotta get myself motivated.
i need to be energetic
there are a lot of issues need to be settled.
i need to be stronger
i need to be thought

need to practice all my best practices

today my bf's friend came all the way down from S'pore to do some survey on cuti-cuti malaysia.
So we went to Matta fair... and bought the genting out door theme park ticket for two.

(The story does not seem to have connection with going to Matta fair and buying genting theme park ticket. but what is the purpose of going Matta fair.. to get something cheap... but it does not attract us much on the tour package since we are saving money for something else. buying the ticket is because i wanna go to the theme park since i reli never been to it before)

actually we looking for tour package to Taiwan for wedding photographing session.
but judging by the package offered by the travel agent it seems like it would be nicer if you search and request online by yourself.
so we are still considering whether to continue with our plan for the wedding photographing session in Taiwan.

Anyway, it seems to be very very cheap to go for tour in Taiwan this year.
only about 2k you can tour taiwan for about a week.

after going for Matta Fair we went home for food at restaurant nearby our house.
then... my bf bring his friend and his friend's sister to the ever famous jalan ipoh bak kut teh... for dinner

then next stop we went to mid valley to contribute the country's economy development and national spending...
we got some very good bargain on watches as they are on cheap sales of discount at 70% which we need to pay around 50 bucks for a 175 original cost watch.
consider very good bargain.
and some other money was spend for some other reason and we really contributed much to boost the economy of Malaysia ;)

then later...
after that we went for dim sum at Jalan Ipoh...
and we also contributed to the country's economy.
cos we ate quite a lot of stuff.. (anyway i din eat anything cos nothing suits me)
so we end our first day Jalan Ipoh makan tour

now is almost the age for those who are dating stably to consider of getting married and getting a house / condo for our own.

a lot of our friends starting to consider to get a house of their own.
herm...
when buying a house there are a lot of things to consider.
first and foremost whether you got the money to pay the down payment which would be around 20k to 30k.
you can source internally using your own fund...
or you can borrow it from FaMa Bank...
or if you are lucky enough.. just buy your lucky number and claim from uncle Tan..

after ensuring that you have this down payment to begin with.
then you need to search for a strategic location wish to stay..
if you have been staying in jalan ipoh or kepong area for a long long time...
you might wanna consider Alam Puri (but already almost sold out) or First Residence, Kepong (Mix commercial & residential development along Jalan Kepong Baru which omprising 58 units of shops and 474 units of condominiums)

then when you go to buy the house you must check nicely the developer's and contractor's background and stuff
to ensure you dun throw money that you have earn with all your hardwork into the salted water
(to be continued)

a lot of people is waiting for some sweetener distributed during the so called mini budget.

so the box was opened today.
and some of the sweetener are as follows:-

1. subsidies to avert price increases of necessities such as sugar, bread and wheat flour
2. subsidies to ensure that toll rates are not increased.
3. house buyers be given tax relief on interest paid on housing loans of up to RM10,000 a year for three years.
4. additional allocation to repair and maintain drains and roads, and improve the surroundings of public flats to ensure more comfortable living conditions (yes judging by the recent flash flood in KL and Johor i think this is a must for the government to take action)
5. Issuance of syariah-compliant Savings Bonds with a maturity of three years and an annual return of 5% (3% higher than the current FD rate leh!!) and will be paid quarterly to bond holders. (but how many of this bond would be entitle to us before they are being swipe clean by the "related parties" and "connected parties" with the bank leh?)Anyway, the bonds are available to all citizens aged 21 and above, with a minimum investment of RM1,000 and a maximum of RM50,000.
6. Existing tax exemption of RM6,000 given on retrenchment benefits be increased to RM10,000 for each completed year of service.
7. Employers who hire workers retrenched from July 1 2008 be given double tax deduction on the amount of remuneration paid. The amount of remuneration eligible for this deduction shall not exceed RM10,000 per month for a period of 12 month
8. More job at government agencies.
9. Malaysians would also be encouraged to pursue Masters and PhD courses. The Government will undertake to finance tuition fees and research grants of up to RM20,000 for every student pursuing a PhD locally. (yeah it's a good time to study when you got retrenched)
10. Permanent resident status would be considered for high-net-worth individuals bringing more than US$2mil for investments or savings in Malaysia. (I think Andy Lau can bring all his money into Malaysia and Malaysia would welcome him as son-in-law as well as a PR in Malaysia). Highly skilled foreign professionals may also be considered for permanent resident status.
11. Company’s current year losses be allowed to be carried back to the immediate preceding year. The treatment will improve the company’s cash flow compared with the current tax treatment. Total losses to be carried back is up to RM100,000 per year. The tax treatment is applicable for year of assessment 2009 and 2010. (This is a very new treatment introduced. first time in Malaysia, but i do not know about other country. But i think the IRB has done a good job as in providing the guideline on how this thingy works. to expect more discussion and meetings on this issue. to expect more job to come in. to recheck on companies which are making profits and expect to make loss soon.)
12. Retrenched workers are able defer the repayment of their housing loans for one year. Interest income related to the deferment of housing loan repayments be taxed only when such interest is received by the financial institution.
13. Auto-scrapping scheme for PROTON and PERODUA. Discount of RM5,000 will be given to car owners, who trade in their cars, which are at least 10 years old, for the purchase of new PROTON or PERODUA cars. The Government will finance part of the discount borne by PROTON or PERODUA.
14. Expenses incurred on plant and machinery be given Accelerated Capital Allowance, which can be claimed within 2 years. This treatment is applicable to investments incurred between 10 March 2009 and 31 December 2010. (interesting... more job more planning to do?)
    
15. Expenses incurred on renovation and refurbishment of business premises between 10 March 2009 and 31 December 2010 be given Accelerated Capital Allowance, which can be claimed within 2 years. The Allowance is capped at RM100,000. (interesting... more standard letters to be prepared?)

so..

how much will the people benefit from this mini budget?
i guess what i see is more tax planning opportunity ahead.
or you can buy your own house with your daddy's money now
and get some savings from the interest that you paid for
or you can get yourself retrenched...
and ask your potential employer to pay you a high high salary cap at RM 10k
and your potential employer can claim double the deduction of your salary cost.

yeah.. the DPM aka FM1 announced the new economy stimulation package..

but the thing i most concern is about the interest deduction.
so DPM says

Currently, investment sentiment in the housing sector is weak, given that both developers and buyers appear to be adopting a cautious attitude to build and to own houses. Therefore, to stimulate the housing sector, the Government proposes that house buyers be given tax relief on interest paid on housing loans up to RM10,000 a year for 3 years.

so when you are thinking wow.. this is good news and
i just bought my first house last year.
so i would be entitle to the deduction?
please see the following T&C applies..

1)house must be purchased from developer or third party
2)tax payer is a Malaysian citizen and a resident (so if you stay in Singapore and you are not a Malaysian tax resident you might not entitle to the above benefit. maybe it does not make any difference to you since you might not be taxable in Malaysia.)
3)limited to one residential house including flat, apartment or condominium
4)sale and purchase agreement is executed between 10 March 2009 and 31 December 2010. (meaning you sign the S&P on or after 10/3/2009. but how about those lower income group who have purchase the house earlier? and what if they loose their job now?)

DPM say :-

The Government is cognisant of the problems faced by retrenched workers in repaying their housing loans. To assist them, banking institutions have agreed these retrenched workers defer the repayment of their housing loans for one year.

Nevertheless the tax deduction is given for 3 consecutive years from the first year the housing loan interest is paid and is effective from year of assessment 2009.

So after concluding all the T&C above do we fall under the above categories?
the answer is no.
so the above proposal is not beneficial at all.
maybe should expand the scope to people who bought their houses since 1/1/2008 (ya i fall under this category) and extend the time period up to 5 years? or expand the house price up to 350k?
but to me the proposal have too little benefit on myself.
so nothing much excites me.

人生就是从很多的失败中堆砌出来的。

从戏中看到这样的字句。
常言道“失败乃成功之母”
可是能不能够从失败中成功站起来又是另一回事啦

followed my bf back to his hometown.
went to the newly opened kluang mall
it's a new attraction for people in kluang.

so he was wondering whether all the branded shop like shushi king, secret recipe and big apple would be able to survive?

i think sometimes people in small town
is even richer than those staying in big city.
but what matters is whether people who living in the small town is willing to spend on more luxurious life style.
what more during this difficult economy situation.

to me i like the life of small town.
but it does not give me the reward that i want to get?
i'm still wondering :P

i'm wondering whether i should spend some money and time for travel.
am i treating myself better?
how.. should i save money for future?
it's a difficult choice in this time as there are a lot of uncertainty.
a lot of things is a question mark and we do not know what would be happened in the future

save money or to reward yourself?
i'm in dielema.
i do not know what or which i should choose
i'm in doubt.

do you know that now you can Hop freely from the red mobile line to blue mobile line or yellow and even orange? where last time you cannot?

this is a true story happened on my friend.

we were trying to call my friend yesterday for the whole afternoon cos we wanna buy a new mobile phone from him.
then we received an sms from him saying that his number is temporary not available.

so we went to see him today.
so this was what happened to him.
there is a telephone survey dialed to his number
check with him whether he is satisfied with the green mobile line service after subscribe to the certain package.
then he was informed that upon completion of the survey, he need to give his name and ic number...
then in the afternoon he was not able to call out.
he tried to check...
and he report police and...
realised he kena tipu.
his line was switched from the green mobile line to blue mobile line..
have to report police and claim the line back to green mobile line.

please be careful when others ask you about your phone / phone line