tOm@kO's life ~*_*~

i was wondering whether should i change to those phone which are social network friendly or still maintain the old phone

my main concern with what type of phone should i change to is cost
i guess i would not prefer to increase my spending with the change of phone
cos i'm not adicted to social network like FB

but i'm a bit kean on blogging
but i have limited time to blog
and sometimes you have so much idea to blog.
but when you finished one hard days work and when you reach home
you have decided to keep your brain clear

no more work
no more brain draining

so i guess to switch to blackberry or iphone is just pure talking
i would prefer phone with photo taking capability where i can capture the things whenever i like and whatever i like
and blog it after it.
i even can blog it from my phone.
but it will cost me plenty if i decided to blog through my phone.

so conclusion i guess.
i would not change to iphone or blackberry
but i need to change a phone, so i can inheritate my old phone to my cousin sister? :P

there are somebody who said that Malaysia have the world class facility
but the people have 3rd world mentality.

is it true?
is it a fact?
or just other people's wrong perception?

somehow i feel it's true to a certain extend
but it's sad.
how are we moving towards the high income country when the people still have 3rd world mentality??

it has been raining almost whole day this morning.
seems like the rain is not going to end already.
some how some why it seems my mood a bit down
and feel a bit challenged today.

an interesting clip from namewee
but it still did not explain where TNB came from.
if you wanna know. you have to go namewee's clip to find out.
i think technology is so good that you can express yourself with minimal cost.

sometimes always see people drive dangerously.
so... maybe that this is a reason why until now i still have not learn how to drive??

Well This is Malaysia
We are Malaysian.

and the worst part...
foreigner come here and learn all the bad habbit of Malaysia
and tell you "NEVER MIND... THIS IS MALAYSIA LO!!! MALAYSIA BOLEH!!!"

well Q-ing sometimes Malaysian do not have this habbit
and i really hate Q-ing in the ladies.
cos i would show myself as a very "SELFISH" person who stand in the middle of everybody from going to another door to Q
but if ur urgent... just let people know maybe they would let you to go first?

well this is Malaysia
and We are Malaysian...
sad...

是文化還是笑話？

Kiasu, Kiasi??
but we have to accept it...
This is Malaysia
and the worst reality is we are Malaysian.

比喻某处所花费者，仍从某处取回。 明 唐顺之 《公移·牌》：“佃户饥饿，责在本田主身上。稍稍借贷度日，有收之年送还田主。谚所谓‘羊毛出在羊身上’。” 清 李渔 《比目鱼·征利》：“［净］：‘好汉从来不喫亏，借花献佛讨便宜。’［小生］：‘羊毛出在羊身上。’” 邹韬奋 《萍踪忆语》九：“俗话说‘羊毛出在羊身上’。资本主义对于失业的救济总是把负担加在一般大众的身上，他们自己还是不拔一毛的。”

我们还是可怜的羔羊。在现有的制度下我们只是任人宰割的肥羔羊。而被宰割后受益的可能就是拥有拐杖的不残而废的族群。

WTF.... tell me reaching 80 post this month is enough dy... now trying to reach 100 pulak...
WTF

TNB... (sorry i also dunno wat this mean..but is i know is not Mslaysia's monopoly electricity supplier)
if you wanna know u go to namewee's blog...
he had done a good demonstration.

taken from the Star
Credit card agents cry foul over service charge plan

Applications for new credit cards have dropped by 80% following the Government’s announcement of a RM50 service tax on each card starting next year.
(yeah... credit card agent are starting to look for new job)

The service tax, which was announced during the tabling of the Budget on Oct 23, is likely to affect more than 5,000 credit card agents and 18 credit card issuers.
With their rice bowls on the line, the agents have urge the Government to reconsider the proposal.
(oh yeah... unemployment rate increasing lo... more people looking for new job..)

Some of the representatives from over 40 sales agencies holding up credit cards during the joint press conference in Kuala Lumpur yesterday.
Francis Teow, who runs a credit card sales agency in Penang, said banks would not be keen to maintain their large sales force if they were not confident of achieving the desired sales target when the RM50 tax was enforced.
Teow and representatives from over 40 credit card sales agencies highlighted their concerns in a joint press conference here yesterday.

As for the Government’s argument that the RM50 was seen as a way to encourage prudent use of finances, Teow said a better alternative would be to raise the interest on the minimum monthly repayment from the current 5% to 20%.
(i guess in view that the country's main income source - petroleum income tax has been declining and going into its end soon... and looking at the continous increasing government spending, the government has no choice but to look for other ways to create other new income source for the country. So i guess all the inteligent people in the government body had come together to prosper the country in order for MALAYsia to go move Into High Income Economy and they had no choice but to get the wool from the sheep.)

“However, the Government is well aware there are many cardholders with substantial amount of outstanding balances in their credit cards. And if they increase the monthly minimum payment, many will default payment and non-performing loans will increase,”
(meaning we cant simply ask whether the Rakyat you cut your credit card already??)

Credit card sales agency director H.K. Tan said the service tax would not only have a negative impact on sales agents but also on card holders as well.
"The newly imposed service tax will affect low and middle-class consumers. Many can’t settle their outstanding bills, imagine having to fork out another RM50 for service tax,”

Credit card consultant Kevin Choong said it was not viable to burden the industry that had done much for consumers with the new tax.
“Credit cards have reduced the need to borrow from loan sharks. Imagine, people who do not have credit cards to avoid paying the RM50 service tax, they may need to carry a lot of cash and they will become easy target for thieves. Or, if in case of an accident in the middle of the night and you need to be admitted into the hospital, the credit card provides you with financial security,”

well in conclusion. MALAYsia is a High Income Economy gonna be country... so the Rakyat need to start learn how to be the people of High Income economy gonna spend by start paying service tax of RM 50 each year :)

taken from a chinese news paper which i think in a way it's sadly true
擺脫貧窮大作戰

2010財政預算案開宗明義，大馬要成為高所得國家。或許，屆時國人可以過得舒適一些。
在大馬，要過舒適的生活，不容易。
物價高，工資低；工作多，娛樂少；塞車時間很長，汽車貨款償還期更長。

高所得甚麼時候到來？沒有人知道。要是它始終不來，大家也不能揪住首相兼財長，要他說話算話。
看看滿街跑的外勞，再看看做事慢吞吞的公務員，你不必再看其它的，高所得社會，流口水就好。
一個不講求績效的國家，多數人等著政府的恩惠，基本上，就沒有資格談高所得。
一個漏洞處處的體制，900令吉的工具，政府得用3萬令吉來購買，只有讓一小撮人成為高所得，而害了多數人成為低所得。
一個政府收入超過40%依賴石油的國家，它的油藏量很快就要見底，這個國家，奢談高所得。
如果要擺脫低收入國家的宿命，不能再只是喊口號，紙上談兵。

甚麼發展知識經濟，改變企業結構，推動成長中心等等，都是舊話重提，說多做少，賣的是全球化經濟的剩貨，一抄再抄而已。
真正要朝向高所得社會，必須擬定擺脫貧窮大作戰的策略。
經濟要真正開放，人才要全面吸收；政治要清明，政策要透明。
政府要整頓投資環境，讓國內外投資者有信心；政府也要提出具體的願景，讓人民一齊拼。

最近閱讀了一些國家競爭力的書籍，發現許多高所得的國家，必然有它的條件和基礎。
北歐各國的國民收入，是世界各國之中的佼佼者；但是，它們卻也在健康、政治、工作保障、性別平等、自由、家庭和社區生活等指標，領先全球。
所以，要創造高所得，並不一定要以牛為榜樣，而是有訣竅。
高效率，是北歐人能夠創造高所得的基礎。為了提高工作效率，北歐人總是絞盡腦汁，思考著如何改良技術，大到需要添加甚麼好機器，小到如何設置機器上按鈕的排放位置會更便捷等等，北歐人總是想著如何讓機器或工具多做一點，人少做一點。
創意，也是北歐人的強項，從芬蘭的諾基亞，瑞典的宜家，簡單的設計，卻有高度創意，也是財富的來源。
馬來西亞的天然資源條件勝過北歐，要學的是人的素質，和政府的能力。

well when will the high income economy day come to Malaysia???
erm... we will wait and see...