Book of the Month @ January

If you read my previous post about my 2012 Resolutions,
you will know that one of it is to read atleast 1 book per month.
And so, here's my Book of the Month - January! =D

"From Bankruptcy to Multi-Millions in 7 Years"

This is actually one of the 4 books I bought using the RM200 book vouchers! =DDD
This thin little book costs me for RM38.
But I believe every book worth for its value! =D

Hence, I'm gonna share with you some of the things I learnt from the book.
Most of the investment books have the same philosophy,
but what you read is their personal experiences. =)

Why can't you? 

True enough, isn't it? 

The last chapter marks the end of the book!
So yeah people,
if you want to dream, dream BIG!

"If you wish for the stars,

you will touch the sky!" 

- Jerome Tan - 

Stay tune for the book of the month @ February. =D
Happy reading people! =)

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Feb-2012 @ Budget Allocation

I am so excited that I already did allocation for my Feb-2012 budget.
To me, of course it is a good thing to manage my money at the beginning.
Just like a country! LOL *as if I'm Ah Jib Gor!* LOL

So here's mine for Feb-2012!

Well, I fully utilized my extra money for investment.
I am young and I could take up high risk.
So this is the best allocation that I have made.

Any comment or advice for me? =D

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SARA 1Malaysia

Big day is coming for SARA 1Malaysia!
In fact, it's TOMORROW! 30/1/2012

What's so BIG huh?

It's the time for SARA 1Malaysia open for application!

In case you don't know what SARA 1Malaysia is...
Here are a few things that you just need to know!

1. Ah Jib Gor guaranteed the return!

Statement below by Prime Minister Datuk Seri Najib Razak:

“We guarantee that those who pay cash will get RM134 monthly or RM13,000 after five years. Those who take up a loan will have to pay the bank RM84 a month and receive cash of RM50 a month, or RM5,000 after five years.”

Even though it is not mention in www.sara1malaysia.com.my, but our current PM guarantee it during the launch. So the question is...

Is it too good to be true?

Well, whatever the answer is...
That's the risk that you have to take!

2. How to invest?
Case 1: Invest with your OWN money, 5K
You will get:
RM134 monthly
or
RM13,000 after 5 years (if left untouched)

Case 2: Invest with your LOAN money, 5K 
You will get:
RM50 monthly
or
RM5,000 after 5 years (if left untouched)
Can loan from Maybank, CIMB, RHB or BSN.

3. Am I eligible?

• Malaysians aged between 18 and 58 years;
• Applicants must have a combined gross household monthly income of between RM500 – RM3,000;
• Applicants must not be declared bankrupt throughout the loan funding period
• Applicants and / or spouse(s) must not be a beneficiary of other Government special schemes managed by Amanah Saham Nasional Berhad (ASNB) i.e.”Program Pembangunan Rakyat Termiskin (PPRT)”, “ASB Sejahtera” and “ASW2020-Bandar”;
• Applicants and / or spouse (s) do not have any investments in ASNB unit trusts, OR, if there is, applicants and /or spouse(s) (household) have a combined aggregate investment totaling RM10,000 or less in all ASNB products;
• Only one household is eligible to obtain the loan funding

For more information, visit   www.sara1malaysia.com.my .

So, have you decided yet? =D

Personally, I do think that YOU SHOULD IF YOU COULD!
Well, not everyone can be eligible easily with all the criterias of SARA 1Malaysia.
So...

If you could, why not?

Either you take loan or take out your cash, the ROI of SARA 1Malaysia is definitely a pretty one!

Friendly reminder:
Even if you are qualified, only 30% allocated to Chinese.
So good luck in competing with others! =p

Remember to go 

Maybank/CIMB/RHB/BSN 

early in the morning!

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CNY Gathering @ Xuan Xin Restaurant, Queensbay Mall

Finally a CNY that I do not have to go back to MMU.
In fact, I always missed out all the gathering with friends in the past few years.
This year onwards...

I'm FREEEEE! =D

Well, getting a restaurant to eat during CNY is quite hard.
Especially when there is no booking.
So all you gotta do is just wait for the long queue.

while waiting outside...

Stir Fried Kai Lan, Sweet & Sour Fish Fillet,

Lemon Chicken Chop, Kung Pao Chicken.

Stir Fried Little Cabbage, Salad Fish Fillet,

Clay Pot Salted Fish Tau Fu, Yee Shang

Getting ready to LAO SHANG!

Huat ar!

The before and after of yeeshang. LOL

Not forgetting to take photo with the left over. =S

Taste: 7.5/10 (Above average)

Price: 7/10 (Around RM20++ per person)

Environment: 7/10 (Comfy restaurant)

Service: 7/10 (Slow when it is crowded)

Average: 7/10

Lastly wishing everyone...

Heng ar! Ong ar! Huat ar!

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2012 Resolutions

I hope it's not too late to write about resolutions rite?
I mean it's still beginning of the year afterall.
Well...

2012 is a special year to me!

Ofcourse, it's not because 2012 is the End of the World.

But rather 2012 is the beginning of another part of my life.
Yes, I am talking about working life.
I am no longer a student, but rather someone who works 8 to 5.
So yeah...

My 10 New Resolutions!

1. Read at least 1 book per month.
2. Exercise twice a week.
3. Get to know more friends, build up the network!
4. Sleep early, wake up early!
5. Save and invest more money!
6. Share about mutual funds to at least 2 persons a week.
7. Read more news.
8. Attend more courses.
9. Save 8k for CFP course.
10. Fulfill all the above!

Basically that's all!
Quite easy huh?

Well, see you at the top! =D

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7aste Hong Kong @ 32 Mansion, Penang

Something BIG is coming! =D

"Be Enchanted with the Secrets of Orient!"

Never been to Hong Kong?
Hong Kong is a unique destination with multiple personalities and global connections to many of the world’s cities. Here, one finds the perfect blend of rich heritage and cultures as Western customs and ancient Chinese traditions intertwines. Navigate its tightly packed sidewalks and you’ll be greeted with neon signage, steam-filled canteens, slow traffic, a concoction of Western influences and a babel of chatter. At every turn, Hong Kong is enchanting, it’s intimidating but once you get acquainted to it, Hong Kong is indeed a place to delight in.

7aste is bringing sensational indulgences of Hong Kong to Penang!

When two great places happen to be at one! =D

Just by experiencing 7aste, you will get good gathering, sharing and enjoy exclusive privileges as well as to witnesses many interesting cultures!

Most importantly...
For the first time ever!
7aste Hong Kong is held exclusively in Penang!

Date: 3rd February, 2012 (Friday)

Venue: 32 Mansion, Jalan Sultan Ahmad Shah, Penang

Time: 7.30pm

Feeling excited yet? =DDD

Well, go to their website right now!
7aste Facebook
7aste Website

Make sure you don't miss out the fun! =DDD

Don't say I didn't tell you. =p

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I'm Elmo and I Know It! =DD

Hands up if you are Elmo's fan!!! =DD

Okay, I can't see even if you put up your hands.
But trust me, watch thissss!!! =DDD

Check out how he "wiggle wiggle wiggle"! LOL

Okay, perhaps he didn't wiggle!
But still a nice parody right!
Share it! =DDD

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Holiday in Malacca? =D

My friends told me that they did not visit to Malacca for a long time. 

Since I used to spend a year for my foundation in Malacca, 

So they thought that I should know well about Malacca. 

However...

Things changed! 

Even just 5 years ago. *ok quite long ago maybe LOL*

The first thing that has changed is...

There's no such a recognition back then! XD

Malacca was named as World Heritage City in 7th July, 2008.

Although my lovely Penang also one of them la. =p

But it gives you another reason to visit Malacca, isn't it? =D

I guess most of you know what to see and where to go in Malacca right?

There are hell lots of information out there regarding the places to visit.

You can even find it in secondary school Sejarah textbook. 

*that explains the Heritage thing LOL*

So, what I am going to tell you here is...

Things that had changed!

The first one...

Traffice jam!

I mean massive traffic jam!

Compare to 5 years ago, which is just... small jam. LOL

So perhaps you need to avoid those peak period!

Or you could just consider this....

the tour around Cruise!

I never see this 5 years ago! 

If everyone could just cramp in a boat,

then less traffic jam ad! =p

Or even this...

Taxi!

okay, perhaps taxi won't help.

But wait! This is something new too!

Malacca budget hotels could help! 
You could just simply get a room nearby there thru the iBilik,

then walk around! =DD

What a smart choice huh? =X

But frankly, even if you could patiently wait for the traffic jam,

you can hardly find a place to park there too!

So, think twice, plan first and enjoy happily! =D

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Singapore Fried Noodles @ Gourmet Paradise, Toa Payoh

I always heard about Toa Payoh from TV.
So finally a chance for me to be there! =D
Too bad I didnt spend much time there.

Roasted Pork Rice. 

Normal.

Bah Kut Teh.

Plain, not much herbal scent. 

Spaghetti.

Normal.

Singapore Fried Noodle.

Not too dry, slurrrrppppyyy!

Super nice!

It is actually located at Toa Payoh Hub 

whereby it is a bus station and also MRT station.

You can shop around there too.

We always eat Singapore Fried Noodle or so called 星洲炒米粉.

But have you tried the one from Singapore? =D

Since it is named after Singapore, so it should be better right!
Well, this doesn't disappoints me at all.
It is so nice that I felt like swallowing once it gets into my mouth! LOL

Taste: 9/10 (Specially for the Singapore Fried Noodle only)

Price: 7/10 (SD3.50 for a big portion =D)

Environment: 7/10 (Normal but a lot of people!!)

Service: 7/10 (Self service, but they are fast!)

Average: 7.5/10

Go Singapore definitely must eat!

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Inflation

My first question to you.

How do you fight against inflation? 

Well, I have a set of answers that usually answered by people at my age.

"What is inflation?" 

"So what? I don't care." 

"I'm aware of it, but a few percent is too little to concern about it"

"Wow, my money is depreciating!" (but still do nothing about it)

So which answer closes to you? =p
Or maybe this?

Well, let me tell you my story.
At age 15, I started to know what is inflation.
But I said to myself: "Doesn't matter to me, since I got no money."
At age 18, I started to buy shares.
And I said to myself: "I have too little money to concern about inflation."
At age 21. I started to be unit trust consultant.
And I said to myself: "I'm not even working yet, where to find extra money?"

So now, I am 22 and I said to myself.

"It's time!"

But in fact, I've procrastinated  for 7 years since 15 years old.
Did the inflation waits for me? No. =(

So last question for you.

It's time for you yet?

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Boon Tong Kee @ Balestier Road, Singapore

After the stopped by at Malacca, our next destination is Singapore!

The first lunch in Singapore happened to be at....

"Boon Tong Kee!"

Yeah, chicken rice again. =S

And it is near to the hotel I stayed which is in Balestier Road.

The appetizer!

Look at all the newspaper cuting on the wall.

So-so only.

The rice a bit hard. =S

I like this one the most!

+

=

I forgot what izzit call. But taste super nice! 

Vege with 3 types of eggs. Not bad.

So so taofu.

Not bad! but served cold! 

we waited so long just for the plate of chicken! =(

we almost finished our rice and other dishes! =(

Honestly, the shop were served by those old people.
Not that it isn't good to hire old people.
And despite the slow service, their attitude sucks too!
One of the old man even sneeze! =S

Taste: 6/10 (Sucks when it is served cold! Only certain dish is nice)

Price: 4/10 (SD130, yup Singapore Dollar! for 7 ppls =S)

Environment: 7/10 (Normal but quite a lot of people!! Tourists!)

Service: 4/10 (Super Slow!)

Average: 5.5/10

Unless, their waiter and waitress become more efficient, otherwise... HELL NO!

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Road Trip @ Malacca

The road trip stopped by at Malacca not just for food,

Which I posted about it earlier.

We also went to walk around, especially Jonker Street!

Well, I used to study in Malacca for 1 year for my foundation in MMU.

But, I gotta say, it's like 5 years ago!

"Malacca is like a new place to me!"

Welcome to Malacca! =p

Massive traffic jam! holiday I guess!

This back lane that I never explore before! 

And this river....

Since when got this cruise!

Long queue as usual!

Hell lot of people even is not night yet!

and this temple...

According to mum,

She used to pray for everything goes well for me in my study in MMU,

Then now I'm graduated, so she gotta came back to pray again as appreciation. =D

=D

Well, not sure when will be the next time to visit back again.
But probably not somewhere near in the future.

Till then. ;)

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