tOm@kO's life ~*_*~

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

when i came out from the cinema..
and walking half way..
put my hand inside my pocket..
and i jus realised that my pocket seems to be empty.
yeah the cover for my phone is inside my pocket...
but...
where is my phone?
shit... i droped it....
but where?
so faster rush back to my seat in the cinema where i remember i last saw my phone..
and i was lucky enough to have found my phone under the seat where i sit...

so it was a mere scare to me 虚惊一场
i reli reli thank god that i realised that i have droped my phone and managed to take it back...
cos the phone was turn on silience and it would be diffult for me to get back my phone :P

we went to watch tom cruise and brad pit's latest movie on cinema...
if you ask which is better...
i would say... brad pit is more leng zai..
not quite answering the question rite?

but the point i can say is there are more people watching benjamin as compared to valkery
and there are people who snoore when watching valkery.
and benjamin is just too long and when you came out of the cinema it's about 3 hours later?

so... my pers0onal opinion...
i like benjamin better
but it's yet the best movie i've watch thus far this year..
but i'm waiting for transformer by mid of this year.
hoping it would not let me down.....

the bank negara is slashing down the overnight policy rate…

and so goes the fixed deposit rate..

i still remember mid of last year when i went to the P bank and the interest rate for the FD if you make placement for one year you would be able to get a return of 3.7% per annum…

and now.. you would only be able to get 2.5% or less.

i wonder… should i continue to place my money in FD or… invest my money elsewhere? but where to invest?

so do you have any ideas?

Do you feel your hand numb sometimes..

do you feel that you have not enough breath even you did a simple exercise for walking for some distance?

These are symptoms that your blood circulation system might have a Malaysia boleh toll system build up within which cause slow down or even blockage…

so… you gotta do regular exercise…

and also regular checkup on your body.

to ensure there are no such toll being set up within your blood circulation system.
''
my uncle just did an agreement with the Malaysia Boleh toll system within his blood circulation system to build an extension of four super highway (by passed they called it).

now he is on his way recovering back from his operation and.. he was aging in high speed also…

hope he will get better by the time he wanted to go to OZ soon..

and thank god that he is lucky enough to tare down the toll before the blood circulation system starts to mogok

and the moral of the story is to take care of your body regardless of your age and sex and dun think you are healty and young... cos you don't reli know whether you are sick untll you get a confirmation from the doc

now i'm chasing another taiwan 偶像剧 named 败犬女王
so far have watched 6 episode...
besides the 5th episode which i think it's only so so....
others are great..
in terms of the story line and the 台词 和 对白

下次要記住，不管妳多寂寞，都不要花錢買男人……因為，妳值得被真心對待。
next time remember no matter how lonely you are do not spend money to get a man.. because you are worth to be treated with true love

wow sounds how touching for a gal :)

妳當然是公主，每一個女孩都是，總會有碰到她們專屬王子的那一天

妳是不是第一根本沒關係，重要的是妳是獨一無二的

痛要說 別人就會對你溫柔一點

如果對的人已經在妳的身邊了， 妳一定要好好把握 ，用心感受一下， 就會知道他是不是那個人

书到用时方恨少，胸到用时方知垂。

这个城市有规定出来混的都要成双成对吗?

干燥花确定赢不了鲜花吗?

“不准开灯，不准发问，不准摸肚子，还有...不准拒绝我”

an idol movie which is so nice..
so i decided to continue to chase on...
and... it's enjoyable cos the whole tv series has a lot of song from fish's album...
i tot it's a tv series for fish's latest album..

you ask whether the current economy is bad...
yes it is bad..

but.. in this difficult time...
if you wanna start a new business..
which group of people to target and to earn their money...
which group of people are those who are most willing to spend their money even in this bad economy time.

is it the elderly?
nah... they are too old and too calculative to earn their money yeah in a way.

is it those family type of people?
nah... family type of people need to save for their children's education and stuff

is it those single working people?
nah.. working people will feel the pain of spending the money that they earn with their sweat and blood.

which group of people is willing to pay??
the answer is...
teenager...
above 12 and below 18...
yeah.. they do not know the sweat and pain that you have to go through to earn money to pay for all the expenses
they might have parents to care about them enough to pay for whatever they want to
they never go through economy crisis where they need to budget on everything
and i wonder whether they notice that economy crisis is here.
and whether they realised the crisis is worst than the 1997 crisis..

yeah.. so.. if you want to start a new business..
and you should really focus on a teenage group :)

好久没有去紫藤了
今天心血来潮，想旧地重游，因为我在想你吧！

记得和你第一次和你去紫藤的时候吧
叫了你推荐给我的紫玫瑰。
也许我们也应该一起坐下来聊天吧。

可是我还是觉得我们的生活圈子已经很不同了
很多的事情过去了已经不能回头啦！
只好祝你幸福
愿彼此都平安喜乐！