Friday, July 31, 2009
Thursday, July 30, 2009
Free Software
Reference: Personal Money.
Security
Spybot..- use this before when in LKK, I think..
Avira - my old PC now arm with this weapon..umbrella brand..
Zone Alarm, not seem to be free..
Peer Gurdian..from Phoenix Labs..never heard also..
Utilities..
IMGBurn..for burning DVD, CD etc..like Nero, but is claim to be lightweight..so far I am still fine with Nero..
CPU-Z..
this is a piece of work to get into your system and know what are you using..see below..
CPU
- Name and number.
- Core stepping and process.
- Package.
- Core voltage.
- Internal and external clocks, clock multiplier.
- Supported instructions sets.
- Cache information.
Mainboard
- Vendor, model and revision.
- BIOS model and date.
- Chipset (northbridge and southbridge) and sensor.
- Graphic interface.
Flashget...use this before, not bad, quite light compare to bitcomet etc..
Portable Apps...sound interesting..can put all ur application in thumb drive..it is open source, hence OpenOffice is in there..
application in it as below..basically all the free stuff from internet..
Gimp..said to be the photoshop..
SopCast..watch tv over the net..
TVU..
Wednesday, July 29, 2009
Life in Australia
Out of suddent I got this booklet, I also cannot remember I registered or submit any application for DIAC..but I definitely not submitted my visa application yet, as of I am now in the midst of ACS application..anyway nice reading this book and got some information as well..here try to consolidate some of the information and links..
DIAC...
also ask to read the Beginning a Life in Australia from DIAC..
equal worth, dignity and freedon..humanright..
can find some funny information such as below..
this is a good comparison..see malaysia is very young overall..at 26 years old..whereas austrlia is at 38 median age..
Australia is aging..median age swift from 30 to 40..
I wonder I need read this site, foreign affair, it sound very political..
Need to know how to sing national anthem I think at least to be the PR..
Do I need to talk to Prime Minister??
want to know is Melbourne is snowing now?? check out the weather..at bom..
go green..environment..
try to find something here, but failed..
can read about some history here..
want to do more read..go to the national library then..
look at this, manage to find SAP version 1.0, I did not SAP also got version 1.0, when I started it is already version 3.0..
let go and have a beer..
take a break and be a volunteer..
no more dcita, change to dbcde..very up to date name, broadband...
might be useful if have kids..
Now come to getting the job to survive..
Jobsearch..try to find SAP job, return zero...
another one workplace..so difficult to search for job here, better go to jobserve..or seek..
after work too hard need to pay tax..
recession, jobless, need help..go here..
Need help for the family go here..
got sick..go to medicare for free..
Monday, July 27, 2009
Friday, July 24, 2009
Thursday, July 23, 2009
International License
I stay in Cheras, can do in Bandar Pramaisuri..let go..
by the way the hotline number in JPJ portal is working, I called and ask what I need they provide all the information
1. Borang JPJ L1
2. IC photo copy
3. Licence photo copy.
4. Passport size photo 2 piece
5. Money = RM150.
Forgot to ask about CDL..Competent Driving License..called up and ask, look like confuse, from their perspective, CDL is a letter for you to apply for foreign country driving license when you are there..
done in JPJ Bandar Tasik Permasuri..pertty fast, the KPI turn around time is 15 mins..all in I got in less then 30 mins..
look at the country that I can drive..include china as well..
Flight to HK/GZ/SZ
MAS , only 2 flight per day..to HK..
Airasia to GZ = have a good timing..
Airasia to SZ
so still air asia to Sz is the best option..no better then this..
China southern to GZ..
timing not good..
cathay..to HK..HK-KL not so good..
SZ AIR
ZH 796 27JUL KUL-SZX 0330 - 0655
ZH 795 12AUG SZX-KUL 2200 - 0130 13AUG 4
Airfare : RM 958 per/person
Tax : RM 366 per/person
Total : RM 1324 per/person
Wednesday, July 22, 2009
Travel Agent contact list in KL
A F Travel Sdn Bhd-Wisma Damansara Jln Semantan D'sara Hts, Kuala Lumpur. Tel : 03-254 3444
Angkasa Travel Service Sdn Bhd-Lot 1.14 & 1.15, 1st Bangunan Angkasa Raya, Jalan Ampang, Kuala Lumpur. Tel : 03-248 6566
|
One hour
if you go to citibank office in the old" Lion Builidng", the one opposite ampang park, you can find a corner where there is a big sign for promotion of one-hour credit card approval, see below the leaflet..
ignore about the hand written phone number there first, i talk about that later..
i wanted my credit card urgently, forgot the useless girl la, which was introduce to me by my good nepew..useless..first said can make it less then 10 working days, then suddenly I thought I am going to fly next few day, and call them up, after some talk to the girl, I insist to talk to the manager, they said come to citibank office can make it one hour. Ok then make appointment for 130pm. Reach there 1pm, try to see if can get it done early, but then this guy out for lunch, so still stick to 130pm. actuall when I am there and see the big sign of this 1 hour promotion, feel con already, there is no big deal, they have a counter open there, few green chap there try to sell the credit card apparently. Then come 130pm, I was a bit late, bcos I make use of the half an hour to talk to citibank guy about usd account, apparently no viable.
get my thumd print, like a crimical both hand some more, ask again, now is 145pm, so I can get it by 245pm, YES, said this guy, yes one hour. actually the guy at the counter said around 4pm la, then I look at him, and look at the big sign on the wall besides him - clearly said one hour. ask the guy again, he still insist I wait for one hour, can get the card. OK, I need to make use of my time, hence go to KLCC book shop, bought the stock investment book..then about 245 pm, call this guy up while walking toward citibank, I suspected already because before I leave I told him to call me when the card is read, apparently he did not call me and I need to call him. So expected the card is in process, I tell him off, it is already one hour, I don't want the card to be process I want to hold the card now. Then I F(&& him about the one hour thing la, he admist that is bullshit, he also cannot do anything, then start to tai chi la, it all depend on the person approve it, he cannot do anything..F*(*& la, when I ask one hour he insist for me to wait..
story not finish yet..then I go the counter, ask them to check again, very obviously the first thing thees guy ask me who do for you, not thei gang la, they are very reluntant to help, and keep saying I am doing a favor to help you etc..check said need to wait for 5 minutes to confirm, still process..F)(**(
while I am there, there is one guy pop in to apply for shell card, i told him off straight that the one hour is bullshit..in front of the guy..they admit, say ya, more then one hour la..funny thing is that guy apply for second card, and you know what for old customer you need to wait for 3 to 4 days, but for NEW customer can do it in 'one hour' la..what the f(*() concept..it is reverse theory..by right old customer can do faster bcos all the data already there..ok corner a bit, come back to my case now..
then i said you guy delivery to me la, I cannot wait ..already waited for one hour as promised then nothing..while I was driving..suddenly this guy call up, about 345, some guy process the card la, inform me my application is cancelled or not approved la, then I said why, he said cannot check the reason...then later the guy call up and cannot approve, reason being my credit limit is not 20k for my existing card, hence cannot get platinum..
then when i back home, I check the cimb statement, it is correct 20k limit, call up that guy again, and this time scan the statement for him..now another issue I am not the principle card, cannot consider la..f()*)(*(*
I ask him to change to shell gold card la then...no news now..
then later suddenly this guy call up again, said they reconsider my platinum application...what now???
so you can see, the service is not as big and nice as the name..f())(*..
US Visa in China
It is possible to apply for US visa when I am in China??
can find out all the US em bassy around the world here..
Cannot find much from the website, and cannot find how much as well there...it seem there is some pin number system, not sure what it is, how it work, why need a pin number first etc..
their contact information..
Flight to Shezhen
Shenzhen Airline
ZH 796 27JUL KUL-SZX 0330 - 0655
ZH 795 12AUG SZX-KUL 2200 - 0130 13AUG 4
Air asia
depart 2 flight..
return
Monday, July 20, 2009
China Visa
China ebassy..
A Chinese visa is a permit issued by the Chinese visa authorities to an alien for entry into, exit from or transit through China. The Chinese visa authorities may issue a Diplomatic, Courtesy, Service or Ordinary Visa to an alien according to his status, purpose of visit to China or passport type. The Ordinary Visa consists of eight sub-categories, which are respectively marked with Chinese phonetic letters C, D, F, G, J-1, J-2, L, X and Z.
C Visa: Issued to crewmembers to perform duties on board an international train, airliner or other vessel, and their accompanying family members.
D Visa: Issued to an alien who comes to reside permanently in China.
F Visa: Issued to an alien who is invited to China for a visit, an investigation, a lecture, to do business, scientific-technological and culture exchanges, short-term advanced studies or intern practice for a period of no more than six months.
G Visa: Issued to an alien who transits through China.
J-1 Visa: Issued to foreign resident correspondents in China.
J-2 Visa: Issued to foreign correspondents who make short trips to China on reporting tasks.
L Visa: Issued to an alien who comes to China for sightseeing, family visiting or other private purposes.
X Visa: Issued to an alien who comes to China for study, advanced studies or intern practice for a period of more than six months.
Z Visa: Issued to an alien who comes to China for a post or employment, and his or her accompanying family members.
Travel Agent
Need to get back the travel agent I used last time..one in UE3 and another one in Taman Connaught..
pretty small team..karine is the person I deal with last time..
another one is Hwajing
they move from UE3 already..
Sunday, July 19, 2009
Melbourne
Saturday, July 18, 2009
Student Millionaire
Friday, July 17, 2009
Online Share Trading
research the online share trading in malaysia, so far heard about the offer by maybank2u, i believe by now there are many bank offer this kind of services..
manage to goole this piece of news, here..
see the fees here..
CIMB
contact information
what is the commision? not sure what is the per mathced order mean? can't they write layman term, buy or sell..
Maybank
Thursday, July 16, 2009
Blog Counter
how to add the counter in the blog..can try this out..statCounter..
1. Register
2. Create Project
3. Link to your blog
4. Copy and paste of the HTML code to you blog gadget
Done
How to..
US Visa
how to apply for US visa in KL for the first timer?
http://malaysia.usembassy.gov/
where to start?
Step 1
I can pay at Taman Connaught
Step 2
Not difficult to get appoitment for visa applicatio...
Wait time - seem like one day can settle everything provided all documentation complete, pretty fast then.
Fees
Type of VISA
B1/B2 Visa
Visa Form
EVAF Form Sample - they need info like who will pay for your trip etc
DS-157 Form Sample - you need to list down the contries visited in the last TEN years..
Country I Visited Last Ten Years
Cambodia 2009
Indonesia 2008
China 2007
Pakistan 2006
Philipine 2005
Hong Kong 2002
Macau 2002
Australia 2003
Taiwan 2000
Singapore 1999
Document - list of documents normally wanted..
there is Business Urgent Travel category may be can get it faster..
SAMPLE PHOTO - take note, MUST be WHITE background.
worry taken the wrong photo, go to these shop will definitely make it right, I believe they took plenty of them..
contact information
Got email replied, pretty fast..very helpful as well..
Kindly note that if you are going to the US for business purpose for a short period of time, you can apply for a B1/B2 (business visit) visa.
If you are a Malaysian passport holder, it is advisable for you to apply in Malaysia .
- In order to apply for a non immigrant visa, you need to visit the Alliance Bank along with a copy of the passport bio-page and the Application Fees of USD 131 (equivalent in RM 500) and Logistic fees of RM32 towards VFS at any of the Alliance Bank branches.
- Please note that in order to utilize the receipt, you have to wait for one working day after the payment is made. You can log on to our website www.vfs-usa-my.com to schedule an appointment. Kindly fill up, download and print all necessary forms as per the visa category you are applying for.
- Visit the Embassy on the day of the interview along with the required documents as per the visa class.
You will be able to print out an Interview Confirmation Letter and a Checklist after you have successfully scheduled an interview appointment. A checklist is a list of basic documents that you need to bring along with you for the interview.
Kindly log on to our website, www.vfs-usa-my.com or click on the link below to see a list of supporting documents that is most frequently presented under each class of visa listed.
https://www.vfs-usa-my.com/ApplnForms/typesofvisa.aspx
window short cut
| Win + UP Arrow | Maximize the current window |
Win + Down Arrow | Restore down or minimize current windows |
| Win + Left Arrow | Dock the current window to the left half of the screen |
| Win + Right Arrrow | Dock the current window to the right half of the screen |
| Win + [number] | Activate and run the program pinned on Windows 7 Taskbar, running program won’t be affected |
| Win + Home | Minimize all but the current window |
| Win + Space | Makes all windows transparent so you can see through to the desktop |
| Win + Pause/Break | Open System Properties |
| Win + Tab | Flip Aero 3D [press Tab to cycle between Windows] |
| Win + B | Move focus to notification tray (the right-most portion of the taskbar) |
| Win + D | Show/Hide desktop |
| Win + E | Windows Explorer is launched |
| Win + F | Search |
| Win + G | Bring all gadgets on top and foreground |
| Win + L | Lock Computer |
| Win + M | Minimize all windows |
| Win + P | Open the projection menu (generally used for laptops connected to projectors) |
| Win + R | Run Command is launched. |
| Win + S | OneNote Screen Clipping Tool |
| Win + T | Show preview thumbnail of running applications in Windows Taskbar one by one without mouse over |
| Win + X | Mobility Center |
| Win + # | Quicklaunch |
| Win + = | Magnifier |
| Win + [+/-] | Enables the magnifier and zooms in/out |
| Win + Shift + Up Arrow | Maximize vertical size |
| Win + Shift + Down Arrow | Restore vertical size |
| Win + Shift + Left Arrow | Jump to left monitor |
| Win + Shift + Right Arrow | Jump to right monitor |
| Win + Shift + M | Undo all window minimization |
| Win + Shift + T | Cycles backwards |
| Win + Ctrl + F | Opens the Active Directory Find Computers dialog |
| Ctrl + Right Arrow | Move the cursor to the beginning of the next word |
| Ctrl + Left Arrow | Move the cursor to the beginning of the previous word |
| Ctrl + Up Arrow | Move the cursor to the beginning of the previous paragraph |
| Ctrl + Down Arrow | Move the cursor to the beginning of the next paragraph |
| Ctrl + Click | A pinned taskbar icon to cycle through the program’s open windows (e.g. IE) |
| Ctrl + Win + Tab | Persistent flip 3D |
| Ctrl + Shift with an arrow key | Select a block of text |
| Ctrl with any arrow key + Spacebar | Select multiple individual items in a window or on the desktop |
| Ctrl + Shift + Esc | Open Task Manager directly |
| Ctrl + Shift + N | Create new folder |
Wednesday, July 15, 2009
Roo to let
apparently there are many website out there ads for room to let..
you can post anything for sales here..remember last time manage to gave someone my rabbit..
IETLS Test
surpringly I also need to take IETLS test for the Australia PR application, now need to do some reading and research on this test..
all here
Autralia Migration Agent
Singaporean company have office in KL but when wanted to access their website, still under development..
Emigration Center
WEST MALAYSIA
Kuala Lumpur Branch
Unit 19-02, 19th Floor, Wisma Cosway,
No. 88, Jalan Raja Chulan
50200 Kuala Lumpur
Malaysia
Tel :603-2148-2262
Fax: 603-2145-2262
Email : ec@emigration-center.com
Web : www.emigration-center.com
found this guy in the MIRI forum
read this, look like not easy to get the PR now..here ..the processing priority is as below..
1. employer sponsorship
2. State or Territory sponsorship
3. an occupation on the Critical Skills List (CSL)
4. an occupation on the Migration Occupation in Demand List (MODL)
5. all other applications in date of lodgement order
based news is now the IT professionali s downgraded to Demand List instead of Critical List as of March 2009..
this guy intepreted it that Computing Profession who are in the MODL still in the CSL ..how true is this?
let check the MODL..
SAP is in the list..wowo..
apparently MODL is different from SOL..
got reply from Aus Immi..look lik CSL is different Dmeand LIst..20090720
Critical Skills List
The Critical Skills List is a list of occupations developed in response
to the changing critical skills needs of Australia. It is focused on
medical and key IT professionals and engineers.
The CSL is more responsive than the Migration Occupations in Demand
List (MODL) in identifying and prioritising applications for skills in
critical shortage.
The CSL will be reviewed regularly by the Government to ensure that it
remains valid and current in the changing circumstances. Processing
applications on this list as soon as possible will ensure our economy gets
the skills it needs now, not simply the migrants who applied first.
Effective from 1 January 2009, occupations that are not included in the
CSL will not be given priority processing unless applicants are sponsored
or nominated by a state or territory government.
The current CSL is available on the department's website at:
http://www.immi.gov.au/
skills-list.pdf
For any further enquiries about the application you have lodged please
refer to our website using the following link http://www.immi.gov.
au/contacts/visa-enquiries/
Yours sincerely,
Department of Immigration and Citizenship
Tuesday, July 14, 2009
Gallballder Polyp Treament or Prevention
last night the pain come back, the cause similar to last time, I was pretty hungry, and good appetite as well, then eat, not alot, but eat with hunger..then the indigestion come, stomach not well, can feel that the digestion is lousy..until 9pm, then the pain come when around mid night, drag to wee hours, then go down to take the medcine from pantai, last time couple week ago went there but do nothing, they give me the stupid pain killer jap and kill me for 1 days, total black-out..
from medscape, apparently there are many type of gallbaldder polyp..five infact..
source: mayoclinic.com, read here.
Cholesterol polyps - 60% , 2-10mm in size, i think I fall into this category as of mine is about 4-5mm.
Adenomyomas - 25%, 10-20 mm in size,
Inflammatory polyps -,size about 5-10mm,
above 3 type represent about 95% of the gallbladder..
the best treatment for gallbladder still by surgery to remove it, but when only it's size is bigger then 10mm, hence alternative treatment is cholecystectomy, need to find out what exactly is this...
there is another method prior which is using ultrasound or wave to shatter the stones, but for polyp I think this is not possible..
this picture tell you what is Laparoscopic Cholecstectomy..it is basically oppose to convention Open Cholecstectomy, where doing the open diserting..this one using the tube out through the body to do the work..should be faster recovery..
it is advice to fo the ultrasound every 6 months to monitor the size of the polyp.
according to mayoclinic, only polyp more then 1cm, will be most likely to be cancerous..here..
here found the cause of the polyp, bascially it is due to cholestrol..
The cholesterol polyps form when excessive amounts of cholesterol are laid down in cells beneath the surface of the lining of the gall bladder. They are associated with cholesterol gallstones 50-70% of the time. [source: netdoctor]
here another way of good food practice from netdoctor..basically NO OIL = NO CHOLESTROL..
Many people with gallstones find that some particular foods, especially those which are fatty or oily, make them feel sick and give them pain. A low fat diet can help, preferably including steamed or boiled vegetables, fruit, pasta which is oil free, steamed or poached fish or skinless chicken, grilled lean meat, skimmed milk, soya protein such as tofu, brown bread, various types of beans and pulses such as lentils. You can get advice from your doctor or the hospital dietician. [source: netdoctor]
EPF
Not sure how true is this??
If ONE (1) of our Nominee in the EPF Nominees list deceased,
automatically the whole arrangement (EPF Nominees list) is VOID.
Meaning if, you only put in One (1) name & unfortunately he/she dies
before you - automatically EPF will channel your EPF money to trustee
of AMANAH RAYA upon your death.
Thou if, you DO have few names in the EPF Nominees list still - the
whole arrangement is VOID & none of the individual balance name in the
EPF Nominees list will get their potion & automatically EPF will
channel your EPF money to trustee of AMANAH RAYA upon your death.
Piece of advice - if any of the your Nominee in the EPF Nominees list
decease, please do immediately approach the nearest EPF counter &
present the Death Certificate of the individual & re-instate you NEW /
LATEST Nominee in the EPF Nominees list + NEW / LATEST percentage.
If, you & the other party (maybe spouse) involved in the same
misfortune (accident / illness) that caused death to both yourself /
spouse please, please, please alert your siblings / relatives /
parents to immediately approach the nearest EPF counter & share the
information within 3 days to AVOID all EPF money to be surrender to
trustee of AMANAH RAYA.
Upon surrender to trustee of AMANAH RAYA, your children will have to
battle the money thru 3 channels;
Majlis Agama
Pejabat Tanah
Mahkamah
The normal period via above 3 channels usually takes 2-3 years (except
if you have inside/tip top connection) at Amanah Raya.
Flight to Penang
need to check out the flight to Penang..Monday in and Friday out...
MAS
Air Asia
Firefly
the admin fees is RM21..and Air Asia is cutting it Admin and Firely is charging sky hight adin fees..
Monday, July 13, 2009
Compare Pricing for Photobook
cannot remember which one I did but I think is pixart because it is only about fifty buck..this is the comparison for the pricing photobook website look for organise but not so creative compare to pixart..
this is photobook..
this is pixart..
Taiwan Office in KL
Remember last time visited them some where in Jalan Imbi, but apparently now change, and last time use to need to apply for visa to go toTaiwan, but now heard from friend it is not require anymore, not sure how true, googling...
their office is in Menara Yayasan Tun Razak now..see the map from WHOSE..
this is their office website in KL..here..
abit conflicting, here said their tourism office is in Goldhill..
got the visa service, but it is all blank???
found the consular information under FAQ..
so their have official regulation some where..let go and see..
found something on visa..here..not bad got english version, but click click not moving..
found it in chinese version, totall different from english, look like english one still WIP..
Friday, July 10, 2009
Property Jewels
finish this book in 2 days, my records so far - read that fast - now picking up some key point, especially from the story..this is the book..
basically the few chapter in front is fundamental, more for entry level where wanted to know some basic thing like what kind of property categories, etc.
Super Li
Apparently she was inspire by this asian super rich man, which own and develop some street in HK and Beijing..and own it. We are talking about buying a house or two, Super Li is owing a street of building, so imagine how far we are from Super Li.
Take Super Li as idol.
Not My Baby
Similar to Peter Yee, got frustrated by landlord suddend increase of rental, 50% increase, force her to buy another shoplot for her office. Sometimes bad news can create new opportunity, it have trenmendous power in it to force you to do something, of course got to be good. I still remember I was the top score of SRP, this all due to some bad thing happen to me in school, punish badly by the displinery teacher, it created aburing fire within me to strict for the best. Today, I am finding this of energy. Still searching this energy. Hope will find it soon.
Force of uncomfort zone.
Australia's Nightmare
This is something new to me as well, I did not aware that the property purchase in Australia have this kind of term. Basically you need to decide during the grace period, once that is past, there is no way out from the deal, Die die must pick up the property. As compare to Malaysia, we normally still can try to get back the refund, of course minus some so called adminstration fees. Hence, never ever buy the foreight property unless you live for sometimes and know about the regulation there.
NO foreight property please.
SS14
Leasehold, leasehold. Sometimes it is a catch 22 situation, to buy or not to buy. Hence the key point here is if it provide good rental, and you are not planning to sell it. By all mean proceed.
Leasehold if rental is good.
74 Years Shock
Normally when we are talking about leasehold, it strike our mind, leasehold = 99 years. But for some weird situation, especially the whole partial of the land was apply for development but the development was carry out partially, hence depend on which phase you are in, the later phase development will not have 99 years lease anymore. I come across the same thing for a piece of land in Cheras, it was sold to the developer partially, and left one about one acra land for petro station, further ask, the land was not longer 99 years, as of hte shop lot which is almost completed, hence the land only leave about 96 years now. Always ask, don't assume it is always 99 years.
Don't assume, get fact.
Townhouse
Carol buy the unit and rented out he ground floor for better rental and to pay her bank loan. She live in upper unit. When she become old, cannot take the stair anymore, she will move down to ground floor and rent out the upper unit. By this time the morgage also almost done. Willing to sacrify and think what come first - loan payment.
Be Flexible
Pass Me Some Salt
I never see this type of banglow before where they join at the wet kitchen. I did come across a link Semi-D, where the back wall is share, meaning at the end there is no extra land and it is wet kitchen and the wall is share with the unit behind. I think this is what she mean for banglow, where there is no extra land and the end. Can this consider as bangalow? I thouhgt bangalow is all 4 sides is land? Also come across another type of bangalow in Penang. Basically they are taking the definition, meaning no shared wall. Hence they build the 2 units next to each other with no share wall but no additinal land, basically it is like link house except the wall is your own, and they manage to classifiy this type of house a bangalow. Crazy people.
Buy Standard Design.
Who care it is rain
Come across this kind of story from some old generation, where they bought the shoplot and stay the uppper unit and ground unit for business. Until today there is still many chinaman shop like this, in Cheras many tyre shop is like this, they stay the upper floor, and shop is at ground floor. This is basically not so good for the kids, there is no compound, but if you are staying in apartment also the same, it is so called 'kap tu' (pigeon hole).
Creative.
Freddie and Eillen
Not sure how true is like, young couple donwgrade from hond to proton, and even sold some of the married jewelry to get the downpayment for the condo. Within 2 years, they bought 2 condos and have passive income. Hence, Location, Location and Location. Never ever buy the propery which is far from city, the appreciation is slow and rental is low. One mistake I make for my firsrt property, no one guide me and no book talk about this, never go and read as well. Bought one link house in timbutu, end up now still cannot sell it. Recently try to sell it at below cost, still no taker.
Sacrify and start early.
Innocent Little Brandon
Nowaday many people like to sent their kids to international school, cannot blame them. Read the news, the flip-flop policy in Malaysia, changing from bahasa to english and now back to english for science and math. Who suffer, kids of non cabinet member, because all their kids are in international school, who care. Hence Brandon need to wake at 6am at Setapak to go to international school at Sentul and reach home 4 pm after school. I think school like this is no fun. Hence need to move house. I got a friend in HK, they are prepare to move house for the kids school. For them to enrol in the best school is priority. So when buy a HOME, need to take into consideration of the kids school. But no one can control if the science and math going to teach in bahasa or english.
Buy HOME think of kid school.
Fruitful Shopping Trip
Nowaday there are many developer try to sell or promote theyr property in the shopping mall. This Mr How, accidentally bought a semi-d in Putrajaya. Actually there was a time I am also very tempted, to buy or not to buy at these putra or cyber jaya. Evetytime when I drive there, I will lost, the highway was superbly build, every where is highway, hardly see any building, very flat, infact is good, it is kind of like western country where they don't allow tall building to be build. I would say it is a white elephant there after so many years, KL is still the place. Many still refuse to move there and force the MSC status to be extended to KL as well.
Don't buy unplanned property.
How to calculate Short Term ROI
Rental X 10 Months
--------------------- X 100%
Purchase Price
Why 10 months instead of 12 months, basically one month for agent fees and another one month for maintenance, quit rent etc.
Long Term ROI
She put down this Long Term ROI as well, which I still cannot grap the concept.
(Price 20 years later - Donwpayment) / 20 years
------------------------------------------------- X 100%
Downpayment
basically it assume that after you pay the downpayment, you are starting collecting passive income, hence the downpayment is the base for calculation of this ROI.
Yahoo
this is second time I got this kind of email from yahoo, first is the yahoo photo, which they switch to flicker and need to pay otherwise will have very limitted access to the pics, now email about my geocities, this one totally no option, either you pay or out..so now need to find way to download the files from my geocitites, which will be history from next year on ward...cannot understand where yahoo is heading to, google is provide more and more thing for free and yahoo is collecting back all their free stuff..
see below email from yahoo..
From Geocities
need to start transfer all my data from geocities to here..hopefully blogger will not like yahoo closing down as well...
http://www.geocities.com/dannysao/
myevolution
saochyi
Wednesday, July 08, 2009
Asianwide
i did not know got this kind of runner..they are runner for franchasing setup..asianwidefranchise..
Singaporeean company..
Tuesday, July 07, 2009
MPH
here are the activity from mph..
this coming weekend they have Money Tree Basic Learning camp..25 July (Sat), 10.30-12.30pm at MPH Mid Valley
for RM 12 for one year membership..not bad..to get kids to book store..
AUS PR
got the reply from this company or agent who do the PR processing for australia..
their contact as below:-
Kuala Lumpur |
Level 35 Unit 1, Menara Std Chartered |
their agent is..
Australia Migrate
Entrepreneurship expor 2009
this weekend got alot of expo..both PWTC, Mid Valley and KLCC..
below is the entrepreneuship expo..
interesting..try to pre-register, got this error..
Monday, July 06, 2009
moneymastery
moneymastery ..read about this in the mhp book store..what the hell is this..because nowaday alot of this programe don't know which one is true or not..and this one is look like the creation of KC See..
OneStopDisplay
everything one stop, one stop service center, one stop kids progam, onestopdiplay etc..
they basically do eveything you can think of..
house renovation they also do..
but not see any picture they do renovate cafe or kopitiam..
their workshop is in Sg Buloh but cannot find the address in the websites..strange..
contact
Jun Lau
Account Executive
email" jun@1stopdisplay.com
mareix
another exhibition this week..mareix..
who go there..see the visitor profiles..
very good in apple polishing..can see our PM pic there already..not so good analysis..like the mifb where they furhter categories and break down the visitors by percentage..
lousy events highlight..not sure what is the real highlight no picture some more..boring..
look like there is no exhibitors..?..so only visitors go there to see the visitors..may be PM..
so who is the organisor..it is UMNO..no wonder the website so lousy also..need to do more hard work to improve the communication and marketing..
this CS guy is the event manager..
mifb
PWTC
want to check out what cooking in PWTC..there is F&B expo this weekend..i think..
look at their events calendar..
EduFun
start and planet .. don't know what stat and planet..apparently very new and the girl at the counter is bullshitting me, I don't think they started the franchise busines yet, web site also under construction..
they are in SS2 new the famous Puay Chai school..
can contact this person
Jolene Tan
Club President
email: jolene@edufunclub.com
SME EXPO
this weekend expo to go..SME EXPO 2009 ..what it is about??
nowaday many are using facebook for free publicity..
Thursday, July 02, 2009
Kopitiam
Googling..Pappa kopitiam on the top list instead of the famous old town..suprise..
they have quite alot of thing on the menu..
no contact number only can email and don't even know where is their office etc...
but they are quite internationally presense..
their new outlet below..
second one is pak li..sound like Pak Ali but it is Pak Bruce Li..
office in Klang..
their menu..
they namage to get the jalan jalan cari makan...
old town..the most famous kopitiam..
menu..
long queue to get the franchise..
how much to setup one..600k all in to start the first day business..
next one is hailam..
typical china man kopitiam..food presentation cannot match with old town..
hailam outlet as below..
the other is station one..
in the paper the setup cost is about 500k, but when come to real talk, it can eat up to 700-800k easily..
what they offer for food??
where are they about??
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About Me
- dannysao
- Three kids, three, eldest girl and No.2 and 3 are boys. One wife, still one so far, full time taking care of the kids, amazing!!. Have been working on SAP since 1997, oh my GOD, almost ten years now. I am still working on SAP. Wanted to quite, try very hard, but now this is the second years where I spend most of my time ih this country wher economy is booming like crazy - China. Tell me if you got anything better that I can do besides this gorgeous software called SAP.