Home Sweet Home Part 2

Salam Ramadhan,

It has been eight month I travelled to the office with Wak since January, I supposed. Most every day we talked about how to handle our life how to make things better. We shared almost every tits bits and part of it is why sometimes this country really make us demotivated due to the economical obstacles and the freaking red tapes. These are some of the facts that makes me stockpile with hated. But yet we are also heard the crying outside about this country. What are they saying about their beloved country?

1. Cost of living and the purchasing power. I myself had to spend about RM 550 per month just for my daughter’s milk…just imagine it. Their clothes, education…my goodness.

2. The newspaper is dominates by the political party. I reserve my comment because both sides are desperately using desperate effort and rhetoric method. Most Malaysian talk about politic everyday. They never rest even one day.

3. Politicking is killing the facts and truth. Both sides are just the same. One with black and white stripe while the other one is white and black stripe. They cheat ,we hear, and they get it.

4. The tax is damn high. just imagine when you go to the office is toll , and that is tax, you go to cinema they have entertainment tax, credit card with GST, KFC and MC D also take another tax, quit rent , bla…bla..

5. Follow the leader aka bodek culture here is damn crap. C mon see in your office la , how big is the blower who are the beneficiaries. If it is merit and that is fine..but if it just selling the saliva.. Then my foot lah.

6. The traffic jam make KLian sick

7. Here you must know who rather than know how to makes your life easier.


But Newsweek said our country is not that bad. No 37 out of hundred over is still considering okaylah. How does news week rate our country? Hmm they look into some criteria like education, health, quality of life, economic dynamism and political environment. Let’s take a look on this schedule and make a comparison.

MYS SIN INDON THAI US
Education 86.43 95.60 74.36 79.28 89.44
Health 71.02 92.76 61.37 66.20 85.51
Quality of Life 69.28 80.00 52.34 67.16 88.58
Economic Dynamism 69.28 80.00 52.34 67.16 88.58
Political Environment 59.80 53.26 60.09 48.74 86.18

We are at no 37 and Singapore at no 20.

A friend of mine, Nona Hayrati is living the most top ranking the best country in the world which is Finland. She stays there in Rauma but she said her food appetite makes her sick of the country and she never perform baca yassin at the mosque.

Very hard n tough . That is in a country which rank the top post , in the circle of black metal- Scandinavia.

But some how rather , I might pelik why did Wong Fuh Toh tweeted me and said he prefered New Zealand than Sibu? ..or may be the religious is not the prior matter to him

Sheila Stanley has listed why she loves this country pretty much in her column A Different Spin. Sometimes thinking positive made your life better and I don’t want to totally inspired what has been drawn in 1 Funny Malaysia. Even some of the Maverick facts may be true, and how they derived the data was lil bit sarcasm, I think that is important to think things positively.

(Credit to my boss, Hjh Rotina who gave me some hope to make my life getting better today.).

Why do I love this country?

1. Medical is cheap. My lil daughter has been subsidized the Thyroxin by the government hospital where I cannot get it free in other country.

2. My parents are here and I know it sounds orthodox.

3. I still can perform my Sembahyang Jumaat and Terawih at the mosque I like without any interruption.

4. The halal food is everywhere

5. I can simply reach my home town using good highway (even the toll charge is still expensive).

6. Air Asia. Without this low cost airline, I don’t think I can afford to have out state vacation with my family. I did compare to some other countries low cost carrier, true enough, Air Asia still among the cheapest.

7. Religious conscious here is better than the other country. Even Indonesia claiming that they are the most Muslim population in the region but I strongly believe we are better than them. At least we don’t act things extremely and hypocrite.

8. No earthquake and I never experienced the bombshell exploded near my house yet.

Look like there are the pros and cons about living in this country. There was one junk mail I received last six month said that the brain drain rate here is up to 300 000 per year. I don’t know about the fact but as you can see the more indons here but they success. Why? Because we give them chance to dig our rice here while we are blasting each others and talk shit about politic everyday.

No matter what happen, this is the country I belong.

Merdeka! Keranamu Malaysia ( i really love this)

How to squeeze your housing loans to maximise your returns? - StarProperty.my

How to squeeze your housing loans to maximise your returns? - StarProperty.my

Nasihat Azizi Ali

Author : Azizi Ali, The Star Aug 19 2010

The times have been good for property investors in the past couple of years. Prices in certain areas, particularly in selected areas of Kuala Lumpur and Petaling Jaya have risen significantly, some as high as 50 percent. And as a result of this rise, practically all property investors had made money.

In fact, some people have seen their net worth jump up by 30 or 40 percent because of the price rise. For example, a young colleague who purchased their house two years ago saw the value of their house increase from RM950,000 to RM1.3 million today. Of course, the owner was all smiles when they told me the story.

I am happy for them. As an avid property investor, I have benefitted from the rise myself, so I am certainly not complaining. At the same time, I must admit that I have some reservation about the whole scenario. The price rise has distorted reality to many investors, including my colleague. Because the price climbed up as soon as he bought the property, and remained at a high level even today, his view on property investment is seriously distorted.

He thinks that:
1. Prices will go up as soon you buy a property.
2. The gains will be in double digits per annum.
3. This is normal.
4. Prices always go up.
5. It is easy to make money in properties.
6. He is a super genius when it comes to property investment!

Long-term property investors will quickly point out that none of the above are true. That’s right – none! For starters, I can tell you the current situation is exceptional. It wasn’t like this five years ago, and certainly not ten years ago. I can also tell you that times are not going to remain this good forever. Prices do not rise to the sky, and interest rates do not stay low forever. In fact, interest rates has already climbed (or to use the toned down term of ‘normalised’) by 75 basis points already this year.

Why am I so sure of this? Simple; I have seen similar euphoria before (the first in the mid-1980s and then in year 1997 during the Asian Currency Crisis), and the story did not end well on both occasions. Like most bubbles, prices edged up slowly initially. The initial buyers made money and this attracted others to invest into properties as well. And as prices climbed higher and higher, the euphoria got to the levels that some people were rushing to buy because they were scared that the prices will spiral out of their reach if they do not act then. But when the market crashed, as all bubbles eventually do, a lot of people were seriously hit, a lot of money was lost, and that included seeing their properties being auctioned off by the banks.

I see the same story being repeated today. On top of the ever present dangers, there will be massive challenges in this new decade. There will be much turbulence in the coming days, and some of them will be unlike what you and I have seen or experienced before. This may include double-digit interest rates, multiple bank failures, currency crashes and explosion of the derivatives market.

As a result of the new challenges, the investors using the current success formula of buying five properties at one go (by paying the minimum down payment and borrowing to the hilt) will be seriously hammered. They will experience much pain, to put it mildly. Some people will lose their properties, some will lose more than money and yes, some will become ex-millionaires.
But of course, where there is danger, there are also opportunities. This will include a huge number of properties being auctioned and also getting huge discounts from distressed sellers.

For more information about Azizi Ali, visit http://www.millionairesplanet.com/

How To Think Like Mahathir

I hardly finish a sci-fi book or even a very technical book. I never finished Stephen King and Nora Roberts books genre, but the moment I read a book by Dalina Ismail entitled “How to think like Mahathir”, it made me enjoy from page to page and somehow rather made my wife sick of me. The book is not asking you to think like Mahathir and (c’mon who the hell are you wanted to think like him, a stateman compare to nobody...aahaks)

It gives guidelines on how the reader can develop his or her mind to achieve a stage where he or she can benchmark great people's way of thinking or knowledge & skills like Tun Dr Mahathir. The reader will be exposed to a better understanding of the conscious and unconscious mind and functions.
It also makes the reader understand the sameness and the difference between physics and metaphysics. Lessons about energy cause strange phenomena by the unconscious make sense. Learning how to think like someone is a strange phenomena .It just tells how he would think using three elements in our body which are conscious, unconscious and subconscious part where you can manipulate and be a beneficiary.

Don't be too excited and wish to be the next Prime Minister because this book just drive you how to connect the inner space and the brain to produce a better decision.

The preface by Dr. M also encouraged you to read a lot as he said ‘I never thought of myself a thinker until some people, journalists mainly describe me as a thinker. I had always thought everyone thinks in the same way I do. But apparently most people do not. They seem more on feeling and instincts”. That’s statement strongly proved he is really "himself" and he is really a great thinker and different from others. A lot of diagram will help you to understand the technical terms.

The book will teach you the way of thinking precisely and you’ll get in touched with paranormal deed, the energy, psychic and the ability you have without you discover yet. It also gives a detail explanation between, physic and metaphysic and the most important thing is the science behind God’s creation. The best sentence captured in the book is taken from Hadith Qudsi “if it were not for my love for you Muhammad, I would not have created Cosmos"-.....Man can be said to be God's love energy in human form .Believe me this book is extremely radical and very good.

Home Sweet Home

August, Malaysian as usual, is geared to independence celebrating month. Overlapped with Ramadan, it will be no excuse to feel more patriotic, yet the Muslim would be more enjoy performing ibadah as being granted long holidays by the government.

These days many people think of migrating. They feel that the grass is greener on other field. They complain about the shortage of job here. The brain drain had been the main issue and yet the country is flooded by the “drain” (read: not quality foreigner).

Inspired from Irfan Khairy (a millionaire) “if you don’t get rich in this country, you re dumb, there are business borderless in Malaysia and just grab it “ In reality , we are responsible on what we choose and what we’ve been chosen, so that to be succeed in this country is just on our own choice. If we choose to championing in business there‘s no one to stop you unless the very small red tape. Yaah.. Easy said than done.

Bukan senang nak jadi senang and that is typically what Malays had said? True enough.. But don’t blame the country if you feel misery in your life. It just our bloody own choice. I don’t quite agree if many people said the politic play a big role in succeeding life. As for me , just put it this way, when Boon Siew setting up his Honda Cup as a small business there was no political wheel on his side at that time. The late Tan Sri Nasimuddin proved himself as AP manipulator first, before he then championing the automobile industry. The hard efforts are ladder to success (direct translation).

The political move just an excuse. Why Hisamuddin Rais still using the public transport, and looks grungy, is his bloody own choice and why AC Mizal drove Bentley to the Pavilion and succeeding his bracelet business also his bloody own choice. Politic is just an escapism to the lazy people.

But if most people think wisely and give Malaysia a chance they will realize that it is possible to make a living here and that ultimately there is no place better than home.

P/s Just get your old record of Savage Amusement. There's one song entitled " Don't Stop At The Top, Touch The Sky Before You Drop" and Motley Crue's Home Sweet Home also sounds authentic.

Slash Live in KL 2010

-nightrain, civil war, paradise city, sweet child o mine....the rest...i dont' know.

Variation Order of A Marriage

It’s been funny to hear an advice from Pak Haji who has a multi-marriage, to his son, Nadim. He said “just one and let it be once”. Marry someone else is not the antidote to the current marriage. Pak Haji said it makes your life hells. Many people had said a polygamy husband always lie and the lie always shoot them up. While suffering half body stroke, that good advice considered a bit late. After quite sometime, then he realized only his first wife treated him well. Dr. Salmah, who owned a maternity clinic, is very passionate wife. To a certain extend she had a lot suffered with Pak Haji naughtius maximus. On the other plot, Pak Haji was looked tired being chased by his ‘small’ daughters. His wires face look anger unnecessary. Indonesian filmmaker is good in define polygamy. That is in Berbagi Suami.

In our version, people might think how lucky Jamil was, when every steps in the corner being supported by his lovely father in law. From the rental house bill collecting to his new wife candidate, he’ll be back boned by the FIL morally and methodologically. On the other scene, the rat race between Jamil and all his wives had shown the madness in multi-marriage practice. P Ramlee had successfully developed the consequences of the "more marriage" in his own way, sarcastic and tragic-comedy.

Last week, I cursed a moron named Husni who planned to a polygamy practice. Apparently, he tried to get approval from the syariah court after his wife refuse to sign the acceptance letter. Husni who is primary school teacher just recently get the bonus from his own bloody newly setup MLM business and he believe he is able to manage another household. He however still can’t afford accommodate a good shelter to the family. He rarely had extra money before this and until now still shading under his wife house. What a shame.

I don’t really have a specific opinion on this matter. Historically, my father was a victim of polygamy and he suffered a lot. So that technically, I disagree with the idea of multi marriage since I born.

Surely, this article will make my wife smile and she may sleep calm soothingly as though nothing much to worry about his husband. But one thing for sure, she knew that it’s quite hard for me to camouflage my face whenever I see sexy girls or MILF across to me. That’s fact.

P/s: a variation order is a 'change' which the Architect may be issued to make to the drawings, such as putting in a new window. The Architect will then inform the builders of the variation. In this article it means get a new wife, polygamy or multi-marriage practice.