Friday, December 19, 2008

dear dear: Car Loan Vs Housing Loan

currently i am having car loan, housing loan with am bank & hsbc respectively.

after m'sia government review BLR, my housing loan interest rate drops from 6.75% to 6.5%. (thanks for hsbc bank drop 0.25%, i check with some other banks, their BLR drops only 0.2% which is 6.55%).

ding~~~ sth comes to my mind!!

since the housing loan interest rate drops while car interest rate holds still, how if i withdraw the housing loan money (my housing loan is fully flexible package, can withdraw money which i pay extra earlier at any time without inform) to make a full settlement for car loan. can this method save money for me? how much can i save if i make a full settlement for my car loan? from my understanding, the car loan is hire purchase, so interest rate calculate method is different from the housing loan.

after making research from the web, i came out with the conclusion tat full settlement of car loan now give a better value.


Settle Car now Settle Car 3 year later Settle Car 5 year later
Car Loan Total Pay $ 3,556 $ 18,288 $ 30,480
Housing Loan Total Pay $ 25,244 $ 23,231 $ 0
Total Amount Pay $ 28,800 $ 30,218 $ 30,480

actually i can save rm1680 for about 5 years (roughly rm330 yearly) but the most important is tat i no need to go 2 banks to make payment every month, and it could save lots of trouble from me.

well, this case study is only applicable if BLR remains at 6.50% in the coming 5 years. if BLR rises, i might lose. if BLR drops, i could save more. it looks like a gamble, yet i dun foresee the BLR would rise in the coming 2 years.

wonder if my calculation is correct as my engineering background, can any1 from account or finance enlighten me?!

Thursday, December 18, 2008

Shine shine - Thursday Afternoon

mm..quite some times dear din update our blog..he was still bz over the work and meeting...
luckily this weekend he dun need to work...

last night after work..dear went to have dinner with his colleague and boss..
while shine need to settle myself..such a long time din reli have dinner alone...
feel so lonely..keke...
just realise that dear dear is part of my life..

since i have been together with deardear...also realise that mami seldom call me ya..
mostly is becos she is bz over taking care sister's baby - xiao guan you and she is comfortable with shine who has dear dear take care bah...

another 4 more days..is my last day with current boss..
im not sure stepping out from audit firm is good choice or not..
but i must give myself a chance to try out and to find a more stable life which is good for myself and dear dear...



Friday, December 12, 2008

Shine shine - something need to tell you...

is lunch time again!!
deardear are very busy over his work recently...continuously work for two weekends...
so pity neh...sat need to work..dear went out early in the morning while shine still hugging piglet and slept like a big pig ..keke...

frens asking me what is the difference between before ROM and after ROM...

i thought a while..

i thought a while while..

seem deardear is getting more and more dote on shine shine.. :)

then people start to address me as Madam...which i am still learning to adapt to this address...

apart from that, frens will keep on reminding me that deardear is my hubby as i am not use to address him as my hubby in front of frens..haha...

we are getting busy over a lot of small/big matters..but no matter how, we must work out together oo..

Thanks for everything that hubby have given to me..

sometimes i will wonder...even if shine will have to leave before you, that will be good enough as i have such a good hubby and superdear who walks into my life..

U're the missing part of me in the world...i have found you and i will treasure everyday with you...

Monday, November 10, 2008

Shine shine - shine will be positive :)

now is the lunch time for shine shine...
packing lunch while thinking of write down some thought which i have gone through with deardear...

recently shine just realised that i felt sorry to deardear..
shine always thought that i played my role as a lao po to deardear..
but just realise that im not good enough..still need to improve in many ways..

i know that deardear trying his ways to make me happy..as recently im quite depressed...over family, friend, work..too much things in my mind...

just duno how to say...
U're...
The best gift that god gives to me..
I have to say i am verrrrry glad to have you as lao gong...

Dear..last saturday shine made a chocolate cake..
one of the reason is that shine felt sorry to u that recently shine always bz over family matters...worry abt this n that..never reli think of what you need..

Hope that the chocolate cake you ate..can make u sweet and happy..
even it is just a normal cake ya..but it is full of my sincere and love oo..

next time shine learn to make other cake for u..cant let u wait another 1 year..
but dear can't eat too much lol..need to keep fit fit to take our wedding photo oo...
;p

shine will work hard dee...k?
always love u..

Thursday, October 23, 2008

笑话一则:你那边是用马币的吗?

今天跟新加坡的几个同事聊起这个Long weekend要去哪里。。他们就问我干嘛不要回hometown?我说我hometown在east malaysia。。很远,机票很贵~~
结果他们叫我坐车回啦!!
我炸到!

然后,我跟他解释east malaysia的位置,还show google map给他们看,结果他硬跟我拗,说那个是印尼啦!!
我第二次炸到!

然后好不容易说服他,那个真的是我的Hometown,回我的hometown没有桥,不能够坐车回。。
他们又突然问我。。
“你的Hometown是用什么钱,也是马币吗?”
我第三次炸到。。无言~~!

转自
Chinese Cari Forum Malaysia

新加坡的学生学的都是美国,英国,欧洲的地理吗?

Monday, October 6, 2008

沙巴汉的心声

前几天email收到这封forwarded email。
虽然我不是沙巴人,我也认同以下的观点。

随着916事件变天行动的逼近,让我有股冲动想要为我hometown - 沙巴说几句话。

我不会写作,我只是想用简单的词句表达出来,这些都是不争的事实。

很多西马人都会认为沙巴人很“大沙巴主义”;沙巴人亦对西马人很有偏见。我承认
我是,也相信很多沙巴汉都一样。

虽然沙巴沦为全马来西亚最贫穷的州属不是西马人民的错(那是联邦政府的
错),但是西马对人东马的不了解一样让我汗颜。

因为他们从来没有经历过东马人的生活是怎样水深火热法。

这就是同一个国家,却有两种不同的待遇。

我来到西马后就被西马人问我沙巴人是否住在树上,我妹妹还一度被怀疑是土族而
不是华人。

我们不是生番,不打猎,不吃老虎,也没有和orang utan睡在同一张床。

西马人都不了解我到底是住在沙巴或者沙捞越。通常他们都会习惯性地叫
“SabahSarawak', 我也懒得解释。

Anyway我是绝对不会问你是否是“kedahkelantan” 或者 “melakasembilan' 或者
'penangperlis'...

我很努力想要介绍沙巴给西马的朋友认识,沙巴有住宅区,有market,有disco,有
码头,有Giant。

可是又很矛盾的,因为虽然我是住在有瓦有墙的屋子里,但是这里没有水没有
电,也没有一条稍微好一点的路。

我来到西马后曾经被housemate责骂我“为什么你小便后都不冲水?你这样很不卫生
ehhhh”

我听了这句话愣了一下下,我只是撒了一泡尿,就要冲水??

后来我才恍然大悟,原来西马每天24小时,每小时60分钟,每分钟60秒都有水源不
停供应。

哼!真不好意思,我不小心把沙巴所养成的坏习惯给带来了,我家没有水!妈妈不
给冲水!

一个星期只来两天的水,分别在星期一和星期四,这就是我hometown Sandakan所
实行的policy!

尤其是我家在高山,只能分得两天的自来水供应。在较低的市区或许会有三天到四
天的水源供应。

我家的厕所应该是最臭的吧,马桶里的尿几乎要泡成甘蔗水了才舍得flush一下。
不然储蓄的水用完了,你就没有水冲凉。

你要冲凉还是flush你那泡尿?自己选。 那些有养成一天冲2次凉+天天洗头的朋友
们,真是抱歉了。我们只能在星期一和星期四才能洗头。

讲到电源供应,我hometown平均一个月有72小时是停电的,最高纪录试过连续一个
星期每天停电8个小时。

不停电就不是我hometown,这是每个沙巴汉都会说的。

吉隆坡停电半个小时就会上报纸,沙巴停电好几个小时导致交通灯失灵,交通瘫痪
却无人问津!

我记得我第一次带西马朋友来沙巴的第一天,家里就停电了,刚好是晚上,大伙儿
会到屋外去晒月亮,看星星。

如果我说,在我家,你一伸手就可以摸到月亮,月亮亮得可以把你照出影子,还可
以让你辨别各个星座,你一定要相信。

(因为我hometown的空气实在是太好了)

Anyway,关于停电停水的事,我在沙巴生活了二十多年,什么都习惯了,反而因为
长期的压逼而麻木了,变得不会反抗。

沙巴人就是那么单纯,逆来顺受。

所以政府老是欺负沙巴,拿走沙巴资源去发展吉隆坡,卖了沙巴的木桐去西马起高
楼,抽干沙巴的油田为西马做南北大道,

用沙巴的orang utan换了中国的熊猫却把熊猫放在西马。

这样有本事捐钱救助四川却没办法做条好一点的马路给沙巴,45年来都是一样。

沙巴的第一条fly over也是近年来才完成的,开心死沙巴汉。

国家抛弃沙巴,让沙巴自生自灭,每次都说要解决非法移民的问题,结果不了了
之。

沙巴的非法移民还比本地人要多,全部来自Filipine,去年提到Filipine要拿回沙
巴,

如果是通过投票决定,凭着寄居在沙巴庞大的Filipine人数,沙巴肯定完蛋,就这
样轻易拱手让人了。

沙巴没水没电不说,就连就业机会也少之又少,结果年轻人都外流,全部跑来西马
找吃。

你知道吗?一瓶yogurt在西马卖RM3.70,在沙巴却卖RM5.70,所有杂志书刊一律比
西马贵。

因为货品从西马运过来都要贵算运送费,赚到的钱又要被抽去发展吉隆坡,加上本
地人又要拼命找吃,所以物价越调越高。

可是这里还有人拿月薪RM200的人,还惨过在西马洗厕所。

每次回去沙巴,除了中学生以外都很少见到年轻人。沙巴什么都没有,年轻人留在
沙巴也帮不了沙巴。

去年有几位同乡朋友坚持毕业后要留在沙巴,当时我还说他们笨,有KL这么好的地
方,为什么要留在沙巴。

朋友说“没有人愿意留在沙巴,沙巴永远站不起来”,他点醒了我,但很无奈的,沙
巴真的没有工作给我,我不得不留在西马工作。

上个月,我的堂弟辞职回沙巴了,我好奇地问,沙巴人工那么低,你这样回去就很
不划算了。

堂弟说:“西马始终不是家,我怎样都会回来这里,沙巴一定会有公司需要我”

我听了很惭愧,因为我本是打算在此落地生根的。但现在我真的醒悟了,就算我人
在西马,一样要为沙巴打气。

沙巴这么美丽的一片净土,好好发展的话肯定是全马数一数二的!可是却这样被糟
蹋!

这就是为什么除了沙巴汉以外的人,凡是进入沙巴的都必须做登记,Kastam会给你
一张纸条,示意你在30天以内一定要离开沙巴。

沙巴不保护自己,情形会变得更惨不忍睹。

从以前到现在,沙巴对西马人来说,是那么的神秘而遥远。

没有人肯到沙巴来,仿佛这里都是野蛮人生存的不文明世界,NS被派来沙巴的都哭
得要生要死,好像要把他们打入地域的样子。

沙巴是天堂还是地狱,你来看过才知道,至今只有西方的旅人才愿意来这曾经比吉
隆坡还要繁荣的土地,探索它的回忆。

西马有三大民族,但沙巴有32个民族,西马的朋友应该都不懂。

东马是全马来西亚民族最和谐的地方,西马朋友应该也不懂。

在沙巴,回教徒甚至可以到卖叉烧的店来做棒餐,棒餐就棒餐,绝不会叫你摸叉
烧。

回教徒也可以到华人海鲜店吃海鲜,卖海鲜就卖海鲜,绝不会突然跑出一块猪腩
肉。

大家互相信任,也不需要避忌。但在西马应该没办法看见这种画面吧。

近年来Giant跑来沙巴了,巫统想要把西马的超市打入沙巴,再趁机控制沙巴的经
济,很可惜受到沙巴汉的排斥。

沙巴有自己的报纸,有自己的超市,不需要假好心进来沙巴盗取沙巴的油脂再换取
西马的利益!

国家抛弃沙巴,连9月16号沙砂加入马来亚成为马里西亚这么重大的日子都没有庆
祝过!

....吃饱没事做的时候就炫耀说雄威的神山是马来西亚的骄傲...

神山是沙巴汉的骄傲,世界上最大的花朵莱佛西亚花也是沙巴汉的骄傲,濒临绝种
的人猿亦是沙巴汉的骄傲,

唯独是没有为马来西亚感到骄傲。

我身为沙巴汉,衷心祈求916过可以让沙巴的同胞们过回一些好日子。

希望往后的916能够列为全国性的公共假期!联邦政府,请公平对待沙巴!

加油吧沙巴!我要见证你的发展!

Friday, October 3, 2008

Shine shine - think too much

After our ROM...everything goes the same..but shine must say..dear dear sayang shine even more..

daddy quit his job...which i was very happy for him..
hope he can enjoy the moment now..

shine will work harder to earn more $$ to support ya..
now just start to learn to spend money carefully..

recently dear has a business plan..shine din reli help much..except for listening to him..

shine really hopes can be out of my line..yet i cant simply resign at the moment..
hope one day...i reli reli can do what i wish to do..
:)

Sunday, September 21, 2008

ROM @ 14 Sep 08

dear dear says,

after trial honeymoon at hoh chi minh, i signed on certificate of register of marriage on 14 sep. i always think tat i wont marry until age 30, but i am one of the earliest groom among our classmates. recieving lots of greetings from frens, but most of them feel shock and surprised tat i am going to marry. some bloody buddies even asked whether it is a shortgun marriage. fcuk...

most of my frens havent seen my bride, here is the chance, get prepare ur handkerchief in case ur saliva drops. da da.....

shine shine says,

in fact the day before our ROM, shine was bery bz over discussing how to do the hairstyle and make up...i have to say thank you to yee yee as she had accompanied me the whole day just for preparation..

i have waken up about 2 to 3 times in the midnight...as the whole night i was in dreaming..i was not sure what in my dream but keep on thinking of dear dear...

thank you for bear and nicole who bring us the chance to get to know each other and start our love story..

thank you for so much of love that you have given to me...one of my fre asked me if we are too fast to get marry..mmm, my answer is that we love each other and therefore we are planning for our future..

from now onwards, you are my 老公喔 and shine is your 老婆呀... ;p





Thursday, September 4, 2008

dear dear: new honda city









like it?! hmmm... for me, just dun like the black plastic paddle at the front, coz it just dun match with the design, but it would be a different story if it is sprayed into the same color with the body.

anyway, my dream car is still mitsubishi lancer gt :P

Wednesday, September 3, 2008

dear dear: tom yam trip switched

4 of timid us has been frightened by bangkok riot alert, nomore thai massage, nomore tomyam soup, nomore ah gua show..... arghhh... we have been considering if we shall continue with the tom yam trip or not coz i have already booked hotel, changed money, scheduled trip roster.

yet the bloody riot turn to worse and worse. quickly made a call to Tigxr Airways customer service centre, damn... another non-userfriendly hotline like most of the banks customer service hotlines, the phone auto-response machine keep diverting the line and end up tat i was waiting and holding the line for more than 10 mins speaking with noone, look like an idiot nowhere else could find.

give up waiting and ask my fren's gf to call instead. guess phone machine is born with male hormones, it responsed with my fren's gf. And the best thing is Tigxr Airways allowed us to switch the tom yam flights with others. there are few destinations for us to choose, after deep consideration, we chose to go Ho Chi Minh. actually i am thinking of going to macau again since no enough time for shopping in last Dec, yet due to budget constraint (have to save money for wedding lo), cheap vietnamese coffee turn to be a better option.

where and how to play in HCM?! no idea, this is my first unplanned trip and we shall see when we are there. yeah!

Tuesday, August 26, 2008

Shine - Another 3 weeks..

Another 3 weeks..we are going to ROM..
last weekend, dear's parent dated shine's parent out for dinner..in fact, shine was very nervous until couldn't sleep well..

After the dinner..shine kept on asking dear dear the same question...if dear's parent dun like shine's family..what will he do??mmm..i should admit tat sometimes i really think too much oo..actually shine feel that dear's parent quite dotes on me...

dear..shine will work hard to learn how to be a good good wife...
learn to cook more food for you..
learn to sit a side to see you playing games (but if having baby..then dear can't play so much ya..cos baby will love to play games as well...keke)

dear...shine reli dun mind you are having a belly like a ball..cos shine like to lay on it.. :)
but shine reli cant recall when your belly started to grow up..
14 sept is your birthday as well..shine knows what you needed most right now...
you may get your birthday gift to9 oo...must back early ya..
shine await at home..
;p

Monday, August 18, 2008

奶茶---美女刘若英的奶茶式理财秘诀


1) 简单过生活
已经算是千万富婆的奶茶美女--刘若英,她的生活其实过得很简单。
她的衣服都是属于普通的,不过偏向简单自然,舒服至上的。
她对居住的环境要求最高,所以家里被她布置得非常的舒适。
她在台北的家最大的特色就是洗手间。洗手间很大,主要用米色、绿色、白色装修。
因为刘若英喜欢泡澡,她的一个梦想就是和所爱的人一起泡鸳鸯澡。
所以她认为颜色舒适、大一点空间,感觉就会很舒服。

(2) 532法则
奶茶式的理财方式=>“532法则”,就是收入的50%存银行,
30%用来花(没有意见),剩余的20%是留给朋友去借。
她是从事娱乐事业,口碑和人缘是很重要的。朋友多了,工作的机会自然也就多了。
预备把20%借给有需要的朋友,有利于她认识更多的朋友,因此得到更多的赚钱机会。

(3) 节省
在花钱方面,她是属于比较节俭的。她花费最多的是花在吃的方面。除了吃,刘若英最喜欢的就是买书了。

(4) 书中自有黄金屋
刘若英在其他方面比较节省,但在买书方面却非常舍得花钱。
刘若英的书房已经摆了她自己都数不清的书,很多已经装到了大大的木箱里。
而她最喜欢的人物传记之类则已经被珍藏起来。
对于一个艺人来说,艺术生涯的延续也许是他们最大的投资目的。
容颜易老,而内涵的提升则是无限的。
刘若英对书的热爱,其实也有利于她进一步地拓宽自己的视野,
提升自己的演艺水平,由此而带来的财富也将会大大增加。
因此,买书是她最大的投资,也是她最成功的投资!

Friday, August 8, 2008

Register of Marriage 14 Sep

since when i got a gal gal's heart, i am getting nervous when my rom is approaching. omg, i cant do anything well, i cant sleep well, i cant eat well, i cant think well.

y do i so scared of marriage? coz she is not the one?! coz i cant give commitment?! coz we are too young? coz i am not ready?!

NOOOOOOOooooooo......... it is all becoz i am getting fat. :S i was even mocked by my company security guard tat my belly is like a ball recently.. ZzzzZzzzz....

ever since i know shine shine, my weight increases exponentially, yet shine shine just gets slimmer and slimmer..

OMG... i wanna be a slim and handsome bridegroom.

still have 1 month to go, 5kg is the my target. should not be a big problem since i am born with best genes. mwuhahaha....

copy from my fren wedding

Tuesday, August 5, 2008

dear dear: 6 ~ 9 Sep Trip to Tom Yam Land

just booked 4 round trip air tickets to bangkok from singapore from 6~9 sep, it costs me $1067.92 ($266.98 per pax) argh.... actually can get at a cheaper rate if i have bought earlier, but my friend could only confirm with me last nite.

never been there before, the image of the tom yam land is a great variety nite market, thai massage, cheap shark fin & bird nest, sleeping buddha, floating river market etc.. hope there is a chance to explore all. gonna seek advices from housemate Dr Yin Fong aka IKnowEverything regarding the scheduling, hotel and the most important, the shooting skill.

i was impressed by shooting skill by this fellow 我行我shoot单身汉•曼谷摄影游记 lots of ps (photoshop) effect added, hope tat our sony T100 could do the same way :P actually, i dun have a great interest in shooting, i would rather spend my time in motorsports. since there is a chance to learn, y not? who knows i am the next Dr PhotoGragh?!

please wait for my photo work with patience....

Thursday, July 31, 2008

Shine shine - 27 dresses

Just watched a movie with deardear..
'27 Dresses'..the girl in the movie who named as Jane...she reminds me what i have done in the past..
few year ago, i secretly liked one of my friend..
what i have done..i was not trying to please him..
somehow everything related to him..i would be very happy..
people said 'love is blind'..in some circumstances..it is really really true..

until i met my deardear..
his caring..
his loving..
his cute..
his laugh..
his singing song..

i realise that i am happiness to be with deardear..
sometimes people says that 'thing that you can't get is always the best..'
but i doubt on this statement..
shine never tell my fre that i like him..and we are now still fre..
i am now be together with my deardear..1 more months we are getting ROM..
never thought this day is coming soon..getting nervous..
but i wish to tell the world that i am having the best..
dear may not be the best in other's eyes..
but to shine..deardear is unique..and he always is..

:)

Thursday, July 24, 2008

Shine shine - you are the only one

Shine shine back from India india...
Talk a lot about India to my deardear...
What i remember the most is the singer that i met in the hotel..
If i reli have the ability...i reli wish to get him over to perform in Our Wedding dinner ya...

dear,

thanks for every little little thing that you have done..
i have been bz over the past few months...
all the time, u are taking care of me..taking care of little little matter..
i am so sorry that i din get anything else back from india which specially for u...
but shine brings bck myself who loves you even more ya..

remember i lost my ring which is the 1st ring that you have given me...
i couldn't help but almost wanna cry...
day to day i tried my best to find it..
luckily before coming back...it was found...

thz for the gift that you bought..a surprise for me ya...
now shine ord knew what to buy for your birthday ya...
in fact shine a bit nervous as we are gg to ROM on your birthday oo..

Shine always says that i stil hv choice...but in fact you are the best choice that i have made for the life..hope that we can work hard together to build up our family..

shine shine loves dear dear

dear dear: how a small statistic started a big airline

Tony Fernandes took over the airline 5 years ago when it was one step from bankruptcy.

Today, it is a booming success. It will fly 18 million passengers this year and is the region's largest discount carrier.

IN THE BEGINNING

Tony Fernandes graduated from the London School of Economics. His first job, from 1987 to 1989, was an accountant for Sir Richard Branson's Virgin Records.

Being an amateur guitarist, he felt right at home in the music business.

But he got homesick and in 1992, at age 28, he moved back to Kuala Lumpur to take a job as the youngest vice-president of Southeast Asia's Warner Music Group.

He worked there until he had his fill of corporate life. In 2001, he quit his executive job and started Air Asia with his music buddies.

In his speech, Tony recalled that it all started with a statistic he spotted in the New Straits Times. It said only

6 per cent of Malaysians had ever traveled on an airplane. That number got Tony thinking.

He recalled: 'I know my countrymen well. First, if you put the price low enough, they'd risk their lives. Second, everyone would like to travel. But it cost most people more than one month's salary to travel between Malaysian cities.'

As he saw it, it all added up to a sure-win discount airline venture.

Tony said, 'I think when you start a business, the most important thing is does the market want it? I knew the market wanted it. If that is there, everything else is surmountable because people power is strong.'

He and his music friends discussed Tony's 6 per cent statistic over dinner and decided to go for it. They would enter the airline business.

After congratulating one another on their wisdom and courage, someone asked, 'Ahh, does anyone know if we need a license to start an airline?'

Of course you do.

This dampened spirits until they hit on the obvious solution: Tony should go see Prime Minister Mahathir to ask the government to grant them a license.

With no contacts, he naively called the PM's office, explained his request and asked for an appointment. Surprisingly, he got it.

Tony recalled the appointment was for 10 AM. He was so excited that he arrived at 7 AM. His presentation lasted from 10:00 to 10:30. The PM listened politely but remained silent.

When Tony had finished, there was a long silence.

Then PM Mahathir said, 'I can see that your group has zero experience in the airline industry.

'Well, maybe that is what's needed. A fresh approach. The so-called experts haven't done a particularly good job.'

The PM explained that no new licenses would be issued.

But Tony's group of musicians could buy one of two struggling airlines. Tony recalled, 'One airline was beyond hope while the other was about dead. We chose the one that was about dead. It had two Boeing jets and $11 million in debt'.

His group purchased the company for a token price of 50 cents.

Three years later, Air Asia went public.

Now, after 6 years, the company flies 65 planes to over 100 destinations.

Tony Fernandes' stake in Air Asia is worth more than $300 million, ranking him number 15 among the richest businessmen in Malaysia.

From February 1 next year, four discount airline flights will be permitted daily between Kuala Lumpur and Singapore. It will break the 25-year duopoly of Malaysian Airlines (MAS) and Singapore Airlines (SQ), which now make 30 flights each day.

Competing for the two Singapore slots are local airlines, Jetstar and Tiger Airways. On the Malaysian side, the contenders are Air Asia and Firefly. Firefly is the new low-cost start-up of Malaysian Airlines.

CHEAP FARES ARE COMING

One year from now, on December 1, 2008, all restrictions will be lifted on the number of discounted flights that can be offered. It is part of the open-skies initiative to free up air links between capital cities of the 10-member block of Asean countries.

The savings will be BIG. Fares for the 45-minute flight between Singapore and KL now costs about $400 round trip, making it one of the most lucrative routes in the world.

After Feb 1, look for Singapore-KL air fares to fall to around $100 round trip, including taxes and surcharges.

The only thing cheaper will be to go by coach. It costs about $55.

Who says you can't beat inflation?


TEN LARGEST BUDGET AIRLINES IN ASIA

AIRLINE - HOME BASE

Air Asia - Malaysia

Jetstar - Singapore

Tiger Airways - Singapore

Virgin Blue - Australia

Cebu Pacific - Philippines

Lion Air - Indonesia

Adam Air - Indonesia

Pacific Air - Vietnam

One-Two-Go - Thailand

Nok Air - Thailand

Note: Market share of budget airlines in Asia: 10%, in US: 30%, in Europe: 25%

Thursday, July 17, 2008

dear dear: Happy Birthday, Shine Shine Lao Po

17 july my lao po shine shine birthday, just had a news tat she is going back from india tonite. ho ho ho.... but only manage to c her tomolo nite as she will reach at sg tomolo early in the morning whereas i was on the way to work :)

prepared a special gift for her :P hope she will like it :) hmm... sure she got lots of story to share about her clients, cant wait to hear...

dear dear: Yasmin Ahmad - 家

马国著名导演Yasmin Ahmad拍国油的佳节广告,每次都很有意思,很感动人心。
新加坡也找她来拍了。

2008 新加坡 - 家


2006马来西亚国庆日广告-Our Son 我们的儿子


2008 Petronas Chinese New YEAR, Reunion Dinner


2006 Petronas Hari Raya

Monday, June 30, 2008

dear dear: 宁做创业狼,不做打工狗

当然这话说的很极端,很多打工的朋友都不乐意听,但是我们仔细想想,还真有点道理呢。

  狼为了寻求自由,宁愿独立人格,自由思想,天天奔跑在大草原上,肆意的猎杀牛羊,尽可能的享受大自然提供的一切美味,吃饱后就躺在草地上,什么都不想,享受阳光和自由的空气,他们是草原的主宰,他们有的是尊严。不过当严寒来临时,他们必须学会抗拒暴风雪的寒冷,学会在厚厚的雪堆下面寻找猎物,时常忍受饥饿的痛苦,随时担心自己冻饿而死。狼的生活可谓一半是海水,一半是火焰。

  狗的生活恰恰相反,平时狗只能吃主人剩下的残羹冷炙,被主人吆喝着到处忙活,没有自由,没有尊严,只有摇尾乞怜,狗的生活是有保证的,虽然从来吃不到什么美味,但是冬天到来时也不担心挨饿受冻,有主人的屁护,狗们感恩戴德,发誓下一辈子依旧为主人效忠,即便主人肆意的打骂狗们,狗们也多半不敢吭一声,因为听话和驯服是狗们的标志。委曲求全是狗们的标签,为了稳定的饭碗,为了自己老时有一份固定的口粮,一切都认了!

  如果把现实生活中的人们进行比较,估计我们大多都是过着狗的生活,稳定安逸,但是永远吃不饱,想离开主人家的狗窝,但是缺乏破釜沉舟的勇气!

  我感到现实中的年轻人的职业选择大多是做打工狗,而不是做创业狼。可能很多朋友会说,刚出校门的学生,哪里有资本和经验去创业呀?最好的选择就是去公司打工几年,储备点经验和资金,然后几年后有机会的话再自己创业。

  其实这样的想法证明是很错误的,一个大学生工作几年后,不但赚不到创业所需要的钱,更是无法学到创业的经验与技能。打工生涯学到的东西对创业基本上是没有用的,因为两者的角度不同,思考方式不同,得到的经验体会也不同,只能这么说,打工几年后你唯一获得提高的是打工的技术技能,而创业最不需要的就是技术技能了。

  更可怕的是,打工几年后,年轻人普遍会丧失创业的激情,丧失初生牛犊不怕虎的勇气,越来越沉湎于单位之中难以自拔,后来创业的念头只能永远的留在心底,成为永久的遗憾。等到年龄到了40多被老板辞退的时候,才后悔20年前为什么不出来自己创业呀!

  打工人生与创业人生一定是不一样的。时间长了,打工者的性格与创业者的性格会有越来越大的差别。

dear dear: Spain Champion EURO 2008


Spain are champions of Europe for the first time in 44 years after a 1-0 defeat of Germany in Vienna. A solitary goal from Fernando Torres in the 33rd minute was enough to hold off a German side who rarely looked like scoring.

overall, dun have much passion to this EURO 2008 especially italy being defeated by spain in the knock out stage. maybe could not find the kaki to watch the game together, somemore shine shine dun like me to watch the late nite match and i also lazy to crawl out of the bed to site in front of the computer :P

anyway, shine bet on german and i won the bet, shine shine have to turn off the light, computer and turn on the air con for a week before sleep. mwahahahahaha :D

Friday, June 13, 2008

dear dear: 農場与國X的故事

讓我說個農場的故事﹐讓你知道什麼是國x說的"津貼"。。。

在一個農場裡﹐每天可以生產10粒蘋果。農場裡有5個工人和 1個場主﹐總共 6個人。他們每天一人吃一粒蘋果﹐就足夠維持農場裡的運作﹐所以還有剩下4粒蘋果。

場主把這4粒蘋果賣了﹐一粒RM10。結果賺了 RM40。場主把這RM40拿來提昇農場裡的所有設施﹐設備﹐但是一天最多也需要RM25罷了。多出的RM10就拿來發給5個工人﹐每人有 RM2。還有RM5拿來當作自己的盈利。

日子這樣下去﹐這個農場就變得很先進而且工人的住宿和環境都是一流的。5個工人也存了一筆錢。

但是不久這個好場主去世了﹐來了個新場主。新場主說﹕"我們要提昇農場素質﹐要有一流的思維。現在你們吃的蘋果﹐需要 RM1.00。但是你想想﹐這是很便宜的﹐你去外面買蘋果一粒要 RM10叻﹗"

工人沒辦法﹐就繼續做工和每天給 RM1.00 來吃他們以前每天吃的免費蘋果。結果他們現在每天只得到 RM1.00。

現在﹐新場主還是把多餘的 4粒蘋果拿去賣﹐賺了 RM40﹐還是像從前一樣﹐RM25拿來提昇設施﹐RM10就拿來發給5個工人﹐RM5拿來當作自己的盈利﹐再來﹐現在那5粒蘋果他賣給工人﹐賺了
RM5.00。現在他共有每天RM10.00盈利。

不久﹐蘋果售價突然大漲了一倍﹐外面售價 RM20一粒。現在新場主還是把多餘的 4粒蘋果拿去賣﹐大賺了 RM80。

農場的設施提昇工程現在換了是新場主的朋友承包。新場主的朋友說﹐蘋果售價大漲﹐設施提昇工程的費用也要漲價了﹐變成RM50。其實真正費用才RM30﹐新場主把多出來的 RM20和他的朋友平分。

現在新場主有﹐
RM10 (和他的朋友平分的提昇工程費)
RM20 的盈利(RM80-RM50-RM10=RM20)
RM5 的賣蘋果給自己員工賺的錢。
總共是RM35.00。比起以前的RM10﹐新場主多賺了RM25.00﹗

哇﹗﹗﹗暴利叻﹐蘋果售價突然大漲﹐農場賺多了 RM25.00。但是工人還是每天只賺取RM1.00。

但是﹐貪心的新場主卻招來 5位員工﹐對他們說﹐"你們看看﹐蘋果現在的市場售價是 RM20 一粒﹐但是你們卻用 RM1.00來買一粒蘋果﹐你看你們多幸運﹗" "我就辛苦了﹐我需要津貼你們每人 RM19.00﹐總共 RM95.00 來給你們蘋果吃啊﹐你看農場的津貼負擔多麼的重﹗"

"農場真的很辛苦了﹐再這樣下去﹐農場會破產﹐倒閉。現在我賣你們每粒蘋果 RM1.50 吧﹐我辛苦一點來津貼RM18.50。"

那麼現在新場主的暴利又增加了﹐RM20 + RM10 + RM7.50 = RM37.50。又賺多了RM2.50。這 RM2.50
是從哪裡賺來的﹖就是從自己工人的口袋賺來的。
現在我問你們﹐比起當蘋果還沒暴漲前和暴漲後﹐農場主變辛苦了還是變有錢了﹖

之前﹐RM10.00﹐之後﹐RM37.50。這麼簡單﹐你不是看不明白吧﹖

場主說津貼很辛苦﹐有嗎﹖他有從他自己口袋拿出那個他所謂的 RM95 的蘋果津貼嗎﹖農場有因為津貼而破產嗎﹖他現在比起之前賺多了 3.75倍﹗會破產嗎﹖

所以說﹐別被主流媒體的"津貼論"騙去了。國X成員說國家會破產﹐你相信了嗎﹖國陣政府從以前一直以來都沒有從口袋裡拿出"津貼"來給我們。

說 520億汽油津貼﹐哪裡來的﹖這筆錢從來都沒有出現過﹗

現在國X政府起油價﹐其實就是伸手進我們的口袋來搶我們的錢。你認命嗎﹖你就這樣站著給它伸手進你的口袋拿走你的錢嗎﹖

Friday, June 6, 2008

Shine shine - I'm not perfect

that day went to check up for my hand and found that my hand is irrecoverable...
when i was told about this...i duno what to say and dun even know what to do...even my right hand is not the functional hand for writing but to me..my hand painful...i was suffering the pain...while cant eat painkiller..

probably i should do more exercise...but im just lazy..really really lazy bah..

just had a fight with dear...
while i was taking bath...i was thinking...what's wrong with him and me...
i thought every of our matter is our...not only u or me...
it just becos the gaint blue got some problem...probably cant pick up yunfeng n meet up yenn..but end up we quarrel..

is that my problem of the car????
no...that is not my car.

is that my problem if cant fetch up yun feng???
no...we can always talk to yunfeng abt no transport.

is that my problem cant meet up yenn???
no...it wasnt my idea to ask abt meet up.

then why i need to give so much of idea how to resolve until u talk to me by using that kind of tone...

i can feel how and what kind of the tone you are using..
mayb everything should be on hold...
i'm tired as well..tired to see who i love to hurt me..
i'm not perfect..

maybe i'm not perfect...is the problem for u n me...

Thursday, June 5, 2008

汽油涨78仙,柴油涨1令吉

6月4日 下午2点15分

首相阿都拉宣布调整燃油价格,汽油暴涨78仙或大约41%,从现有每公升1令吉92仙,调涨至2令吉70仙;柴油将从目前的每公升1令吉58仙,暴涨1令吉或63.3%,至2令吉58仙。首相阿都拉今午5时30分在布城首相署举行新闻发布会,宣布新燃油津贴的制度,新油价将在午夜12时开始落实。

他指出,日后国内的燃油价格将每月检讨一次,并且根据国际市场的价格,给予30仙的折扣。

“如果国际油价下滑至每公升2令吉90仙,那么价格将会调整至2令吉60仙;相反的,如果国际油价上涨,我们还是会继续给予30仙的折扣。”

在新津贴制度下,政府今年将为2000cc引擎以下的小型轿车,以及2500cc引擎下的四轮驱动东,提供625令吉的现金补贴。这相等于800公升的汽油津贴(即800公升乘以78仙计算)。

至于250cc以下的电单车,则可以获得150令吉的补贴。这两项优惠只是涵盖2008年4月1日至2009年3月31日期间的路税更新。

阿都拉表示,从7月1日开始,受惠人士可以在更新路税时,在全国的邮政局通过汇票(Money Oder)方式获得有关补贴。

此外,政府将会提供2000cc引擎以上轿车的路税折扣200令吉;250cc引擎以上的电单车将获得50令吉的路税折扣,唯最低的路税价是2令吉。

今年省下高达137亿令吉津贴

另一方面,政府也重新调整电费架构,唯阿都拉保证每月用电量少过200千瓦的家庭用户不会受到影响。

阿都拉强调,政府承诺照顾中低收入阶层,确保他们不会因为油价和食物价格高涨而面对生活压力。

“虽然如此,世界油价和原产品物价飙升,导致津贴制度必须重新调整,确保能获得公平分配。”

阿都拉表示,在新的津贴架构下,政府今年将节省高达137亿令吉,其中40亿令吉是来自石油津贴。

虽然如此,第二财政部长诺莫哈末耶谷透露,政府依然必须承担180亿令吉的津贴。

他也指出,这些节省下来的津贴将会使用在其他用途,包括粮食自供自给政策(40亿令吉)、食用油津贴(15亿令吉)、统一白米价格津贴(4亿令吉)、面粉津贴(2亿令吉)、面包津贴(1亿令吉),以及燃油与天然气津贴(75亿令吉)。

阿都拉也表示,调整燃油价格将导致我国通货膨胀率涨至4至5%的水平,并且影响国家成长率,但是他表示,政府将会尽量维持5%的成长率。

油站排长龙,甚至停止营业

在阿都拉宣布新燃油价格后,一些油站已经出现排长龙的现象,导致有些油站宣布停止营业。

明日撤马泰边境禁售汽油令

贸消部长沙里尔则指出,才落实3天在马泰边境实施的禁售汽油给外国车的措施,将从明天开始撤销,禁售令也不会在马新边境实行。

沙里尔曾指出,如果国际油价继续维持现有的水平,政府今年所承担的燃油津贴将会高达560亿令吉。

阿都拉上台以来已调涨6次

自阿都拉上台以来,我国的汽油从2004年至今已经调涨5次,共调涨了97.1%。至于柴油则调整6次,共调涨了231%:

汽油5次调涨记录:
1)2004年10月1日,从1令吉37仙涨至1令吉42仙
2)2005年5月1日,涨至1令吉52仙
3)2005年7月31日,涨至1令吉62仙
4)2006年2月28日,涨至1令吉92仙
5)2008年6月5日,涨至2令吉70仙

柴油6次调涨记录:
1)2004年10月1日,从78仙涨至83仙
2)2005年3度调涨,3月1日,涨至88仙
3)2005年5月1日,涨至1令吉08仙
4)2005年7月31日,涨至1令吉28仙
5)2006年2月28日,涨至1令吉58仙
6)2008年6月5日,涨至2令吉58仙

划一交通公司渔夫柴油价格

另一方面,政府也会划一公共交通公司、船运公司和渔夫享用的柴油津贴,每公升柴油是1令吉43仙,这项措施也在午夜12时后生效。

在这之前,渔夫所享用的柴油价格是每公升1令吉,船运公司则是每公升1令吉20仙。至于公共交通公司,他们则获得政府发出津贴卡,以每公升1令吉43仙购买柴油。

对此,政府会直接以现金补偿渔夫和船运公司。政府每个月将会支付每名向渔业局注册的船主和员工200令吉。船主将为每公斤鱼得到10仙的补贴。所有付费都会渔业局处理。

渡轮业者将根据之前批准的固打,获得每公升柴油10仙的津贴。

Wednesday, June 4, 2008

加油不要付冤枉錢

在美國是沒有工讀生幫你加油的,而且每一支加油槍上,都有標示 DO NOT TOP OFF,意思是說,一般我們都會把加油槍,放進車子的加油孔,然後用扣環 hold 住,加滿的時候,扣環跳起來油槍自動會停住,這時候不要再硬加油到你車子裡。

但是在台灣一般工讀生都會繼續幫你加到整數,對吧?扣環跳起來以後,還是努力的喀啦喀啦,用點放式的方法,努力的加到整數。

以後你去加油的時候,請不要這樣做了,因為你們都在花冤枉錢!

不要這樣做的理由我現在告訴你:

加油槍的設計是這樣的,你加滿油的時候扣環會跳起來,是因為有一個感應器在油槍前端的金屬部分,包在前面橡皮套裡面,在加油的同時,加油槍回收從你油箱回吐的油氣,當 hose 集滿了油氣之後,扣環會跳起來停止供油,這時候你的油箱已經加滿到一個安全的程度了。

而在這之後如果你繼續硬加的話,這時候的汽油並不是進到你的車子裡,而是跑回到 hose 裡面,你說這樣不是在花冤枉錢是什麼?

而加油站每個星期都需要 drain the hose,你會嚇一跳有多少汽油從裡面跑出來,有開車或騎車的朋友,下次加油的時候,記得別讓工讀生幫你加滿,加到整數唷!

油池到加油機之間有二條看不見的管路,一條是油管──即車子加油時,「油」所走的管子;另一條是氣管──在車子加油時產生的油氣,回收進入油池的管子。


(转载来源:Myzone.my大马中文社交网络)

章魚的隱身術


居然可以逼真到這種程度,自然界好神奇...

Saturday, May 31, 2008

Shine shine - love love love....full of love

This is the very first time i woke up so early in the morning...
i also not sure why i won't tired since the whole week were bz over the new project.
mayb i have put up stress on myself and therefore i were so tired look when i back to home...

Yesterday went to shopping with deardear again..
Due to dear's promotion...dear getting big big gift for shine...
A hand bag as well as a wallet...
thz a lot for dear...

last sunday was the day i found that myself could not without dear more and more...
dear was staying at jb to renew his passport while shine shine has to come bck sg to work...at the end, dear accompany shine to come bck sg then bck to jb..

on that time..i have a strong feeling wanna to have dear stay put with shine...
shine not sure if dear would feel that or not...but shine is getting addicted to the love you have given to me...

looking on my own work schedule..i will soon need to fly over to kl,india etc for work purpose...couldn't image that feeling of cant get to see you everyday..im scaring that i cant...but shine will try my best to do it...as tat is part of my job scope to fly overseas on project basis...

Dear will be waiting for shine shine to come back...and prepare for our ROM..
Shine is glad that dear giving shine what shine shine needs and wants...
let's work hard to achieve our goal and complete our plan oo..
love you so much oo
;p

Tuesday, May 27, 2008

Foreign Cars Banned from Filling up Near Border (Malaysia)

Malaysia government has banned all petrol stations within 30 to 50km from the Malaysia-Thailand border and the Malaysia-Singapore border from selling fuel to foreign cars beginning this Friday (30th May 2008) onwards. This would include all petrol stations in Perlis, Kedah, North Perak, Kelantan, and several Johor distrincts. Offending petrol station owners would be fined up to RM250,000 or jailed 3 years or both.

I know that there are some people, especially those who live in the northern states who buy and register cars in Thailand, but drive them around in Malaysia. They would certainly be in a fix as now they would have difficulty filling up their fuel tanks, as even though they are Malaysian and their cars are being used in Malaysia, their number plates are foreign. I can think of a probable but illegal solution they’d come up with: fake local number plates?

This ban is only temporary until a permanent solution is introduced to prevent fuel subsidies from being enjoyed by those who are not intended to receive them.

In the same report by Bernama, Domestic Trade and Consumer Affairs Minister Datuk Shahrir Samad said that the Federation of Malaysian Consumers Associations (FOMCA) has suggested petrol subsidies to be given out based on engine size would be considered. This seems logical as first as the rich would have cars with larger engines, but with the world engine trends moving towards displacement downsizing and the likeliness of the rich being able to access this latest technology in the first place, it is another idea which in practice is not going to be completely effective.

As it is the popular Mercedes-Benz E200K and C200K uses 1.8 liter engines, and the large Volkswagen Passat is available with a 1.4 liter engine. That is smaller than a Proton Persona’s engine in terms of displacement.

omg, actually me and shine might plan to have get a singapore car and use malaysia subsidized petrol, guess it wont work anymore. hmm.. this is a temporary policy, will c how after the permenant solution implement. poor my housemate, he cant go to JB to top up petrol during mid nite anymore.

Resource
http://paultan.org/archives/2008/05/27/foreign-cars-banned-from-filling-up-near-border/

Friday, May 23, 2008

dear dear: job promotion to senior

i went for a interview last week, they straight away offered me a high salary post (66% increase from my current salary), it is sooooooo attractive tat i could not resist to think how i am going to spend with this new salary. yet it is an one year contract post and need to work on saturday.

after few days consideration with shine shine, she suggested me to tell my boss abt it and i did so. my boss was sooooooo surprised tat i gonna leave him, he tried 101 ways to convince me but i too soooo money face. at the end, he asked me to go to meet company director. hehe.. my first time to talk to director 1 on 1, i tried to bullshit ie need money to marry, house rental increase, inflation rate etc. then, what my director offered is a 27% increase from my current salary, job promotion to senior and a long term relationship.

after consideration, i prefer to stay with my current company, i just signed the promotion offer letter :P and now waiting for the official agreement. :P

~~ H A P P Y I N G ~~

Thursday, May 22, 2008

dear dear: we r the champion

Man U won in Moscow with a nerve-shredding Champions League win over Chelsea on penalties. it was a bery bery exciting match especially when the penalty shootout, i tot man u going to lose the match when John Terry is taking the penalty, he had the chance to win the Champions League for Chelsea, he sent the keeper the wrong way but his footing went and his penalty agonisingly hit the post. haha... hmm, i should not have laugh... when Anelka missed the penalty, Man U won the match with 6-5!!





Sunday, May 18, 2008

Shine shine - 笨蛋的故事...

在爱的世界里真的有好多好多是要彼此学习的..
总觉得自己好笨蛋…从小 deardear 总是让人赞是个小天才…一直到现在也一样吧!!
有时侯, 我总是努力让自己能够更好呀…也许我还不够努力…
小小或是你无意的一句真的也会很伤人喔…

有时侯我会想为什么你会喜欢我呢…
我没有什么是好的…

记得嘛…那天, deardear 突然的说你是被骗才会和我一起...
Shine shine 真的有那么糟吗??

今天…你又说 shine shine 是白痴…
也许你不知道吧…
这一切听起来也真会让 shine shine 心痛…

过一阵子…我不会在这儿…
也许那是你期盼已旧的吧…
可能分开一下会更好吧!!

Wednesday, May 14, 2008

Shine shine - so touch to see daddy last nite

ya...since duno when dear start to have a nice as 'xiao ding dang'..
to me...u are just everything...u try your best giving me everything that i wanna..
that is why you are xiao ding dang to shine shine oo...
apart from that...there is another reason behind...dear should know about that...haha..

suddenly think of daddy...
last nite daddy came in to find shine and also brought over my big big bag over oo...
i must say thank you again...

when last nite see daddy seem running here n there down stair and look worry that cant get to find shine shine..i was almost wanna cry...
as shine oso quite worry daddy cant get to find me...worry he might lose his way to my house...keep on calling oso cant get through..

think something wrong with daddy's hp oo..mayb what i should get to him should be a new hp...these few days i was thinking about wat to buy for daddy..the only thing that i can think of will be watch and also a hp...

if i am really going to kl for job then should not be able celebrate the father's day with daddy ya..hope he won't mind about this oo..

lastly...smth update about dear dear...his job offer...really very interesting oo...
mmm..if dear really wish to try on it...just go ahead..shine will always always stand by u!!okay?

Tuesday, May 13, 2008

Shine shine - everything related to xiao ding dang

Was very happy that our MU won on sunday match ya...
but shine was not watching it at all...as i fall asleep before the match start oo..

Last weekend, a couple of my fre went to ROM..
how to say..i was worry about them at the first place and at the end...finally they are now in honeymoon...keke..Congra to bearbear and siwen oo..u two must add extra oil for this relationship to go on and on..very happy to hear you two talking about how bz was that day...but i could really feel how happy the two of u..

think back myself and deardear...we be together about 1 year ++ only...im not sure if i have given you the best of mine all the time..as sometimes i was stubborn..sometimes i was stupid..sometimes i was lazy..sometimes i wanna dear to let me have what i wanna...i was really 任性..but that is the real shine shine oo...

most of the time..i wish to have deardear to accompany me in doing anything...and also request dear dun play the online games...talk more to me (in fact day to day dear talks quite a lot to shine oo) then we both get a deal that dear can play games alternate day...haha...mmm...mayb shine was too free and that is y the deal was agreed between us..

cos sooner or later i will be away for quite long time..cant get to see my deardear everyday...definitely i will suffer of it...cos i am the gal gal who will think a lot..and mayb i should really trust on dear...if really something happen, i won't be able to take it dee..wat im talking about..dear, we work hard together on our relationship oo...not matter how good you treating your ex in the past...that is wat in the past..what we are aiming to have is Our Future oo...

Gambatte neh...

just now dear call shine and telling shine about the offer of job...shine will always always stand by you and support you so long as you like that job and also think that job is a good opportunity for your future career ya...

got to stop right here...as really hungry ya...cant wait dear anymore..shine ate 1st oo.. ;p

Monday, May 12, 2008

Title joy for Man United




Mwuhahaha........ Manchester United clinched their 10th Premier League title on Sunday after a dramatic final day of action which saw them pip Chelsea to the championship. Goals from Cristiano Ronaldo and Ryan Giggs gave United a 2-0 win over Wigan and ensured they retained the title, elsewhere rivals Chelsea drew 1-1 with Bolton.

born to man u, live to man u, gloryyyy glorryyyyyyy.. looking forward to watch how man u chop chelsea at moscow on 21 may.

Perodua Nautica (卤猪脚)vs Toyota Rush

Perodua Nautica (卤猪脚)


Toyota Rush

here comes some comparisons (personal opinions only),

both have almost the same outlook (look at pictures shown above), actually got another model (daihatsu terios) having the same outlook, but this model seems not introduced into malaysia market, so we only compare these 2.

model: Perodua Nautica (卤猪脚)vs Toyota Rush
engin: same, 1.5 liter VVT-i engine, 3SZ-VE
assembly plant: japan vs indonesia
selling price: from RM89,900(OTR) vs from RM85,888(OTR)

which one would u choose?! for me, i choose neither one as both r overpriced. for 90k, i would rather choose honda city, toyota altis, hyudai sonata, proton waja cps, proton gen 2 cps or even the naza citra. i wonder how could this model snatch the market shares... dun knock me if u have different opinion :P

International Engine of The Year 2008 Results


BMW has conquered the 2008 International Engine Of The Year awards again, with the N54 Bi-Turbo in the BMW 335i and the BMW 135i taking home the overall award and the 2.5 liter to 3 liter, and other BMW engines winning the 1.4 liter to 1.8 liter award, the 3 liter to 4 liter award, the above 4 liter award, and the best new engine award. Find out more about the results after the jump.

Overall International Engine Of The Year

Results
1. BMW 3-litre Twin Turbo (335i) 380
2. Volkswagen 1.4-litre TSI (VW Golf, Touran, Jetta) 287
3. Volkswagen/Audi 2.0 liter inline-4 TFSI 270
4. BMW 4-litre V8 (M3) 241
5. BMW 5-litre V10 (M5, M6) 151
6. BMW-PSA 1.6-litre Turbo (Cooper S, Peugeot 207) 149
7. Subaru 2.5 litre boxer turbo (Impreza, Forester) 78
8. Toyota 1-litre 3-cylinder (Aygo, Yaris/Echo/Vitz, Citroen C1, Peugeot 107) 56

Resource: www.paultan.org

when could i owe anyone of these engins?!

Saturday, May 10, 2008

Shine shine - nothing much but...

how should i start with..
im just back from airport where we sent one of our fre who flying to Japan for training...wooh...hope he can get to learn up more and take good good care of himself..

quite a long time din write up anything...
two of us went for a short trip in fact...we went to melaka for one day trip just to compensate for the late planning on any other places...well, it was nice..as we just kept on eating...haha..gain some weight in fact...

one of my gal's fre..talked to me about her bf...talk abt how not caring he was...tat point of time..i think deardear still okay..but these few days...suddenly have a question in mind...what i wanna and what i need the most?

if comparing the caring that you have given to me from the past til now...i will say the caring that i feel as at now is lesser as compared to last time...just a simple example...last time, shine will always get sms from dear every morning but now im the one who sending the sms 1st...at the very 1st time, i think it doesnt matter who send...as long as we are maintaining and doing well...but sometimes...i do care abt tat...

trying to ask you about the above mention example...then dear will start to tell me a lot thing...i.e..im bz over work in the morning ya...im late for work ord....to me, all you said...it just an excuse...

tat is wat i told my fre that if reli think that the relationship is not worth for you to do anything more then just give up rather than you keep on complain while getting nothing at the end...

haiiizzz...reli dun understand...is a game reli so important that guy should have touch on it everyday???????????
i reli dun get it and just feel that dear is rather playing game than talking more to me...sometimes i would rather go out myself or doing the work....rather than c him plays game.....

i just dun understand....wat he had told me...he was stress and therefore need to relax...playing game is the way for him to relax...

what do you expect me to say?? reject you play or ask you play more which i dun like...

im really sleeply...got to sleep...duno wat i am talking about oredi...im tired of see you plays game...just as your wish...dun even ask me again on if you can play or not...cos you are just informing me that you are going to play...isnt it?

Tuesday, May 6, 2008

小可爱粉墨登场


i have got my 小可爱 for 3 weeks, now the time to show off. hehe.. finally i am a car owner. (dun ask my y it is called 小可爱, ask shine shine, she named it :P) some ppl say it looks like a suzuki swift, do u think so?!

nick: 小可爱
actual name: proton savvy
age: less than 2 years
birthday: oct 06
nationality: malaysian
race: chinese
gender: bi sexual
skin color: grey
tramission: AMT
capacity: 1149cc
fuel consumption: ~rm0.13/km (still under monitoring)
accessories: full r3 body kit, 14" sport rims etc

here comes some photos,

side view

front view

rear view

japan import 14 inch sports rims (repaint in black color) and bridgestone pontenza tyre

yellowish dashboard

original r3 spoiler

3 soft toys :P

and last, my gf hushpuppies "ah bee"

Wednesday, April 30, 2008

Scholes Fires United into Champions Final



man u was lucky last nite, they played defensive game and won a ticket to championship final :P nani wasted some golden chances and ronaldo was not in the top form, messi keep on pressing. anyway, they gonna set up an all english champions league final against either liverpool or chelsea in moscow.

shall we sing "we r the champion" again?! :P

Monday, April 28, 2008

Shine shine - I'm just tired...

Went to aunty funeral last weekend, saw her laying and everyone was praying her..
this remind me of grandmum's death few years ago...
frankly speaking everyone expect of this day to come as she was having cancer...

i really duno what to say at that time..looking at my parent...they are getting old while most of the time i was only busy over the work and fre...mayb i should spend more time with them in future..i.e. to accompany them shopping, to have a short trip with them...and many many...not just buying thing to them bah...

was planning to have a short trip with deardear...both of us taking leave in 2 of may yet until now we have not yet really plan on it...mayb i was to busy over the whole April and leaving all alone for deardear...just now we just blamed each other on this matter...

i dun mind to go anywhere...cos it should be a happy trip ...end up we both unhappy over planning this trip..sometimes...i should say we both wrong...as i should not say i dun wanna go beach...but really scare of the strong sunshine...but duno when dear said starting to plan up where to go....until this week....nothing coming out...

few weeks ago...u are bz over the xiao ke ai...then bz over the loan agreement...while im bz over the work...

haizzzz...mayb really too late to say who is right or who is wrong...cos it really doesn't matter already...

so if anyone was planning to go anywhere or having trip...is better to plan early early ooo....dun end up like us ya..

Friday, April 25, 2008

dear dear - audio cd burning

been a long time never use my dvd burner. after owning xiao ke ai, feel like to burn some audio cd so tat could listen during riding, but............. my "SXNY" dvd burner spoilt, grrrrrrrrr.... somemore, it spoilt my 3 cdr. wth...

no choice, i used my shine shine laptop to burn it out, but the quality burnt out is bery bery lousy (the software i used is wxndows mxdia pxayer) i wonder if this is hardware or software problems..

then my lucky star came, this is yun feng (one of my housemate). he is quite a weird but nice guy (if u wanna hear a story about him, it could be another long story, maybe ask my shine shine to tell u all, haha..) he got a spare internal cd burner (combo, brand SXMSUNG), it is black in color and just match with my cpu casing. hehe.. we took more than an hour to install this burner to my computer coz we made some idiotic mistakes.. haha..

at this time, i used another software to burn (Acoustica MP3 CD Burner), yesss.... it was successful and the audio cd quality is satisfy. hehe... planning to burn few more audio cd tonite.

moral of the story,

1) dun buy "SXNY" dvd burner, even though it look elegent and classic but it is too sensitive and get spoilt easily, try this brand SXMSUNG,

2) dun use the common cd burning software, ie wxndows mxdia pxayer, rxal player, itxne. the quality is sucks

Thursday, April 24, 2008

dear dear - shine shine's aunty passed away

my shine shine recieved a bad news when she called home last nite, shine shine's aunty has just passed away. i have seen her aunty three times. first time is at shine shine's bro ROM dinner, another two is at her aunty home.

shine shine said she turned to thinner after the deceases. the whole family and even doctor could not help much. we even call my doctor fren from taiwan, but he also gave no advise. sad....

think whole shine shine family is now in a low morale. pray everything gonna be all rights...

Saturday, April 19, 2008

our 1st time...going kl by train ooo...

It has been one week...whole week i dun really have time to look at the updated blog from my deardear...feel sooo sorry for him as i was too busy over the work ya...

well...how to say...im glad to be one of team for current job as i reli got to learn a lot from everyone..im glad to have a deardear who love me so much and always caring me a lot, patient enough to talk to me and wait for me all the while...

keep it short..my whole week...except for the work...shine just felt sleepy...haha...

my 1st time went to kl by train at late nite on friday with deardear...it's fun enough but i could not get enough sleep as i was worry that v might over sleep ya..the whole nite, i woke up about three times to check where we are ooo..

mm...shine need to climb up to the upper level while deardear slept at the lower level...actually quite enjoy and excited as early in the morning...we will able to get to see our "xiao ke ai" oo...which is the car dear bought from anderson...

frankly speaking...shine dun really know lot about the car...or even modify car..but the 1st time, seeing the "xiao ke ai"...shine like it...haha...

we reach kl sentral about 6:30am...walking around at the kl sentral...seem nothing had been changed except for myself...had been working about 3 years...it really a long time for me ya...even just started the new job but i still prefer to study rather than working oo...haha...

about 7:30am...met up with anderson and see our "xiao ke ai"...we both excited to see it...mmm...forgot to bring along my camera...or i will help deardear to take picture in front of the kl sentral with xiao ke ai ooo....

too bad we din really got chance to shop around at kl ooo....as shine is needed to back for work... :( and yet now my director told me she can manage herself with the work....
so i can do smth on tml except for work lol..

Dear driving all the way bck from kl to jb...mmm...this xiao ke ai...very different from xiao ying oo....shine was thinking how to help dear to decorate all the thing ooo...but not too gal gal style...or xiao ke ai will become shineshine's xiao ke ai liao...hehe...

dear....last nite...shine really a bit scare to sleep alone with you accompany...even u are near to me...but still scare oo...

u know...i felt sweet after reading the email that you forwarded to me...
we must work hard together oo...taking good care of xiao ke ai n xiao ying...and plan for our future...
;p

Thursday, April 17, 2008

dear dear - refinance housing loan (2)

after doing some research from internet, i find out there is another bank offer attractive interest rate a, which is hoxx leoxx bank :P

hoxx leoxx bank offer

loan amount : 170k + 6k (penalty cost for exiting previous package)
tenture: 15 years
lock in tenture: 5 years, penalty 3% of original loan amount
interest rate: BLR - 1.9% for for whole tenture

total repayment: $248,054.99

furthermore, hoxx leoxx bank just few steps out from my house, the agent is my science society senior which is trustful enough. somemore, there is no monthly saving account maintenance charge ($10, which can save up for $1,800 for 15 years) hmmm.. quite a great offer. should i wait for another quote from public bank?! advisor pls.....

Wednesday, April 16, 2008

dear dear - refinance housing loan (1)

me and dad bought a house at 2 years ago at jb. recently recieved a call from standxxx charterxx bank regarding refinance my current housing loan. they offered quite an attractive package.

my current package with alliaxxx bank

loan amount : 170k
tenture: 15 years
lock in tenture: 3 years, penalty 3% of original loan amount
interest rate: BLR + 0.25% for first 3 years
BLR - 1.35% for remaining years

total repayment: $256,667.45


standxxx charterxx bank offer

loan amount : 170k + 6k (penalty cost for exiting previous package)
tenture: 15 years
lock in tenture: 5 years, penalty 3% of original loan amount
interest rate: BLR - 1.65% for first 5 years
BLR - 2.05% for remaining years

total repayment: $249,100.52

current BLR is 6.75%. there is a 7k difference between 2 packages, quite worthed it. but the problem is only 1 standxxx charterxx bank at jb and not so convenient to reach there. i am thinking of asking public bank to offer me, but could not find any contact.

or should i refinance after 3 years (after lock in period) anyone can advise?

Monday, April 14, 2008

dear dear - a gentleman went for a facial treament

omg, a gentleman went for a facial treament last sunday?!

yes, tat blardly shit gentleman is me :(( my gf had me there and i could complain nothing.

it took me about 1 and a half hour laying on the bed, the beautician used 101 components rugging on my face, she even pitched out my pimple oooo. arghh... i feel so sleepy yet i dare not fall alseep, i was so scared tat my beauty face would be gone by the time i wake up :P beautician tried to explain lots of things to me, but i dun understand at all. she even tried to convince me to do the laser treatment on my beard. omg... anyone could rescue me from there?! argh...

anyway, a great experience for me. my beauty face turns to be smoother a bit after treatment (of coz la, the treatment is not cheap at all, anyway i am using my shine shine package :p) next time should take a photo before and after treatment to share with u, haha... :P

thx for my shine shine for bringing me there, thx for the beautician who pitch my pimple. :P

Thursday, April 10, 2008

Shine shine - day to day..i love u more

have read through what dear wrote on the blog...
mm....what to say ya....
shine also duno...but it is really true for us that seem hard for us to saving...as most of the time, we really cant stop thing happen which beyond our control...

shine also spend quite a lot recently...due to mami's health condition seem not getting weak after start taking care of the little baby xiao guan you...just pray that mami will get better after eating the calcium pill ya...hope that really helps her ooo...actually mami's health condition is not really good since long time yet maybe due to the tiring of looking after baby then it result mami getting weak ya...
mm...nvm...just pray for mami and xiao guan you will get healthy ya...haha...

dear...shine cant stop to having shopping and therefore shopping can't cancel from the list oo...
that is the only One thing that shine can relax and release my stress neeehh...

mm...secondly,Movie...at least once a month...is that okay?and we try not to watch it at sg...back to jb to watch bah...is that good idea?hehe...

third..regarding the investment...what shine suggest will be...we can do a little little 1st ya...that can let us test test the water 1st...do u agree ya??

shine know what you wanna which is what i wanna...we are having the same goal....
1st may saving for the wedding bah...
2nd may be getting to invest oo...
3rd..we just talk abt baby later after marry...since both of us trying hard to grow up our income oo...shine dun really know what we can do to increase our income yet shine only will take consideration on the risk that we may need to take oo...

maybe due to the nature of the work i am doing now...and the risk is always always come first before talking about after...shine shine also very scare here n there...that is the way of little woman ya...anything...dear can make the decision for shine...shine is not independent at all that dear know about that oo....right?

we really really work hard hard together to achieve our dream n goal together oo...
shine love you so much oo...
:)

cheer up for the day...cheer up...we must live with hope and everyday shine is having hope and dream before starting a day work yooo...

dear dear - monthly budget

have been working for about 3 years in singapore. still find myself running out of budget from time to time especially when encounter urgent cases. been thinking a way to solve it out for quite long, yet could not find the best way as urgent cases come one after one :(

1. reduce monthly monthly expenses
  • nomore credit card, nomore movie, nomore dinner outsides (wuaaa... i could feel my shine shine is running to slap me from behind if she c this)
2. increase monthly income
  • invest in fund - oredi invest using cpf, but dun forseen a high return (sometimes even lose, arghhhh) anyway, a long term investment plan, not a good solution if petty cash needed.
  • invest in stock - been a bear market since last election in malaysia, think it is abt the time to step in. need expert's opinions as me still a noob newbie. anyone can help?!
  • invest in housing property - also a long term plan, from the opinion from a great future-dad-in-law, market more than satuated as supply is much more higher than demard in JB, u could not get a return unless u could get a friendly tenant there.
  • invest in plantation - as if i am a millionaire....
  • invest in Red Island Cafe (IRC) - it has been discussed like a hot cake in the malaysia forum , i wonder it works or not. keep on monitoring or anyone can advise?
  • invest in 4D, Toto, Soccer Betting - my shine shine will backsnap me if she find out :p

3. reduce probability of urgent cases

  • pray to god tat my dad w0nt lose current job again
  • pray to god tat my granddad is healthy and nomore shouting to c doc
  • pray to god tat watever, watever and watever

in summary, i could still able to survive but never get rich :(

shine shine - workhard together ooo

Since the first day, deardear create this blog...shine shine dun reli have the chance to look into it in details...as shine was busy over the current job...just finish the left over work and shine able to talk to the CFO with all the figure ya...so good luck to shine ooo...hope not getting scolded for nothing yoo...

Have been worked with this current employer about one month plus..and i feel that i really still have quite lot of thing to learn up from them...so shine shine must add oil on it yoo..but will really need to say sorry to my dearest dear...as even i back to home early i will still need to touch up the work...dun really have the time to talk to him...and every nite, dear was the one need to wait shine for dinner...

Actually the other day...when shine got to see the news about there was some problem for the flight from HK to LA...shine really spend the whole day...think about if i should tell deardear or not...shine feel that sometimes i am really selfish in the sense that dear is only for shine...yet i cant really keep...as just feel that i should at least tell dear about this matter...

Shine really duno if im doing the right thing or not ya...but becos of love u...shine will share every little thing to dear...shine shine must believe in dear...hope what i have done is correct to myself and dear...;p

A bit worry on dear's xiao ke ai - savvy ooo...mayb sometimes shine really think too much...that is what normally auditor does...hope we able to get the car at least by next week oo..im looking forward the trip to kl with dear to bring xiao ke ai back ya..hehe...

mm...got to prepare deardear's breakfast ya...simple with the bread and kaya + cheese..
hope dear will like it...as it fill up a lot of shine hardwork and love oo...

let us work hard together...shine know that dear also having a busy day...call up meeting...solving problem ya...tml shine will try and try to get bck early to really talk to you more...keke...

Tuesday, April 8, 2008

dear dear - swollen leg :(

i was injured since last soccer match on last sat. now my big thumb of left foot is swollen just a pig. today on urgent leave coz cant drive to work :P a slacking day for me, muahahhaha :D

now looking forwards to this coming sat, coz might c my xiao ke ai lo :D

Monday, April 7, 2008

dear dear - our first blog :)

well, it has been a long time since last use of blog. wonder y i would come out with this stupid idea to blog together with my lovely shine shine. well, just test if i still could cope with these html programming or not :) good luck have fun!