tOm@kO'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

based on our observation of the construction status of our condo.. we notice that the structural framework of our parcel has been completed and the developer went on with level 14.

so i was wondering when the developer will send their second bill.
so.. by end of the month the second bill came.
so.. about one year from the day we placed our deposit for the house booking and down payment.
the developer already collected like 10% + 10% and now another 15% of the money for the house.
consider quite fast already rite?
construction in high speed in order for us to save some interest.
but in this low FD income era...
maybe we should seek for negotiation to borrow money from our parents and pay them back with the interest we are suppose to pay the bank
i think paying our own parents is better compared the paying the licensed leech?
所谓肥水不留外人田嘛！

[作詞]：馬崧惟
[作曲]：方炯鑌
[製作人]：陳子鴻、陳冠甫
[編曲]：楊陽

那 一扇車門
關出 我們的裂痕
一聲就震斷了回頭的路程

愛 無法均分
以後 就留給你們
也許用傷害結束 愛才更動人

容忍的人其實並不笨
只是寧可對自己殘忍
既然愛不能恆溫
祝福就給你下一個人

你是好人 也是個壞人
對我坦承 只為了朝他狂奔
不能放任 所以放了
這點痛我還能忍

我是好人 也是個壞人
分得夠狠 你才有藉口轉身
寧願愛 一點不剩
也不忍 看戀人愛成路人

三個人從不對等
總有個人必須犧牲
那永恆 就等他帶你完成

dedicating this song to my friend who is wondering why her bf choose to be a 壞人?
maybe it just bcos just like what the song say he is:-

我是好人 也是個壞人
分得夠狠 你才有藉口轉身
寧願愛 一點不剩
也不忍 看戀人愛成路人
hope he and she can finally come to their conclusion...
happily eva after together or seperate.

yes.. i think the government should increase the toll..
just like what we do… we increase our client’s fee..
but the problem is.. it is the right time to increase?

we are depending on each other to survive..
just like the people of this country is depending on the government to help them to revive the economy.
and the government is depending on the people’s support for the to rule out their decision smoothly.

so what’s next…
PM says.. to reconsider not to increase the toll. (which by end of the day the decision was out to defer the toll hike till end of the year)
so.. we will wait and see what the government wants to do :)

so we would be grateful cos our government is good enough to compensate the losses of the toll concessionaire operator.
but i think this is just temporary measure...
long term measure..
i think should be.. ai..
just leave it to the government to think about it

the following was adapted from the newspaper website:-

The toll rates for five highways will be increased beginning Mar 1, says works Minister Datuk Mohamad Zin Mohamed today.

They are the North South Highway, Sprint, Ampang elevated highway (Akleh), Sungai Besi and New Pantai Expressway.
Toll rates for PLUS highways will go up 0.68 sen per km.
The increase for Federal Highway Route 2 linking Batu 3, Shah Alam to Sungai Rasau, Klang and the North South Expressway will be 14.28 sen per km from 13.60 sen per km.
This change does not cover Bukit Kayu Hitam, Tambak Johor and Bangunan Sultan Iskandar.
Toll rates for Sprint Highway (Kerinchi Link and Damansara Link), Ampang Kuala Lumpur Elevated Highway (AKLEH), Sg Besi Highway (Besraya), and New Pantai Expressway (NPE) will see an increase between 10 sen and 50 sen.
For Sprint highway, the increase is 50 sen at Pantai toll plaza and 30 sen for Damansara toll plaza, AKLEH will be increased by 50 sen, Besraya by 10 sen and NPE by 40 sen.

so… wat’s the moral of the news?
what can 30-50 sen buy you? nothing much rite?
so it’s not material to us…
but what can 30sen X 2 ways X 5 days = one plate of cheap lunch?
i know… i can get two pack of nasi lemak at natural…

so.. wat’s next to increase?
or we should take over all the toll company and ask them to cut on toll collection.

some research was done to check on the people's reaction..
most of them object..
why.. at this difficult time...
isn't the government is suppose to help it's ppl at difficult time???
anyway.. the country's money still come from the country's people...
so why not use it on the people?
so.. what our new finance minister have to offer in his new 'saving' malaysia package?
we will wait and see