Bankruptcy Amount is RM 10K Per Credit Card

If you debts is above RM 10K per credit card, the bank will not bother to call you, because they can sue you for bankruptcy. As soon as less than RM 10 K, they will start calling you to pay the installment.

This is different for physical assets such as car and property where regardless of how much you owing, they will call you because they can always repossess.

This makes sense when recently a bank offer me a bank loan (6.99%) which the person in-charged specifically highlighted that it is not link to your credit card account.

My guess is that different financial packages tie to different bankruptcy policies.

What do you think ?

Foods That Fight Cholesterol

• Almonds
  
• Oatmeal
  
• Oats
  
• Fish
  
• Red Wine
  
• Alcohol
  
• Soy
  
• Beans and Lentils
  
• Blueberries
  
• Barley
  
• Avocados

Full Details.

Rebuilding A Nation (Barack Obama)

http://www.youtube.com/watch?v=T8R8jIYWJTA

Examples of Big Ideas

1. During the civil war - Railroad tracks from one coast to another.
   
2. During the industrial revolution - System of public high schools
   
3. During War - Colleges

Focus Areas:

1. Energy
   - Clean renewal energy
   
2. Health care
   - Health insurance for american children
   - Technology
   - Seeking a cure for cancer in our time
   
3. Education
   - Every child has access to a complete education
   - Need more reforms (discipline, innovative programs)
   

Government Is Creative

Sometimes the Malaysian's government is quite creative.

One example is the announcement that most of the vehicles in Malaysia is more suitable for using RON92 petrol.

Of course, if you consider motorcycle to be vehicle, that counts.

Otherwise, this is a bit like tipu kanak kanak...

Let me tell you why... I am a driver of the most popular car in Malaysia, the Proton Saga Iswara 1.3 special edition and guess what is the recommended petrol by Proton itself ?????

RON 97.



Damn it .... if my car can support RON 95 I would be so happy, because it is so damn cheap right ? I know my mechanic almost want to 'rape' because because I tried that once for certain period... and he felt like 'raping' me.

So, how can most cars in Malaysia are suitable for RON 95 ler ?

Somemore RON 92 is only sold by Petronas in certain petrol station only...

Lower Interest Rate for Malaysia Credit Card Usage

Credit card interest rate now is been lowered, the lowest being 13.5%

However, most of the other alternatives financial funding is still lower than this offering such as credit transfers, personal loan using credit card as collateral.

Alliance bank offers 6.99% of personal loan.

This suggests it doesn't affect the banks anyway, since they can survive on even lower interest rates.

This is simply a way to encourage more credit card usage.

Alliance Bank Doesn't Penalize Late Payment for Annual Fees

It is a good thing that Alliance bank doesn't penalize late payment for annual fees.

Check it out..





This is cool. But right now the coolest credit card in town is Maybank Visa Petronas Gold card which guarantees no annual fees forever.

Visit to Dong Zen FGS Malaysia

First of all, check out the what it is and where it is.

The tricky part is as you approached the round about forking to Carey Island, what you are going to anticipate before making the right turn, right ?

A better map would be this one...



After the roundabout (Carey Island), go straight until you hit the second traffic light on your right, take right turn and go straight until you see Dong Zen on your right.

If you are going from Sunway Toll, the journey to Dong Zen would be around 50km (one way).

You can use the opposite direction to go home.













It is not really a big place, in fact it looks smaller now with most of the compound being put to good use compared to a few years ago when there were still many vacant lands..

This is a good place to come occasionally if you think that Buddhism is your way. Trust me, if you go with open heart, you will feel the power.

Of course, on that day itself, we had chance to check out the relic's of the real lord Buddha which is being put in place to anticipate for the exhibition show during CNY 2009. It was at this point which I felt the Buddha's light shone through my soul, I was overcome briefly.

The best gift that I got during that visit ....



Check out events for CNY 2009 at Dong Zen.



最好的礼物是忠言；最好的修养是宽恕。 This is a wisdom, this is a dharma and if properly appreciated and put to practice, I can achieve enlightenment (to a certain level) in this life.

Earth Stood Still - Good Movie

I have just watched The Day The Earth Stood Still, it is a good movie. Entertaining and worthy.

The best part is Jennifer Connelly whom I think really played her role well, she is so convincing that her eyes are able to do the talking. Keanu Reeves played his role well too, I think he is the best person to suit the role of alien and as cool as ever. Brad Pitt may not play that part well. Kathy Bates is great too.



The disappointment is that the ending is cut short, I would expect Helen to kiss Klaatu and also Klaatu to have talked to the UN.

StarCraft Strategy (Tips) For Beginner

Playing computer game is helpful to exercise your brain.

I am just started to play Starcraft now.

• Attack with multiple units at the same target
  
  


• Exposure surrounding (Comset) to prevent surprise attacks.
  
  


• Attack enemy's supply depot first. This will cut them off the ability to build more armies quickly.
  

Anyway, we should be playing Starcraft II now.

Apparently ownership is about assets, but turns out that it is the ability to contribute further.

Apparently ownership is about assets, but turns out that it is the ability to contribute further - Brandon Teoh (26 Nov 2008)

The Economy Is Getting Bad ?

Check out here for moody situation in Singapore.

I was at Mosin mamak near my house yesterday night at about 10pm and guess what ?





There was just a handful of us.

Maybe it is an unpopular mamak; at least not like before.

Looks like everybody is going to save money into the walls.

The Republican Has Knew It

Initially, my thoughts are:

• Mccain is too old and fragile.
• Obama is a black.

So, I don't think that Obama will actually win even though he looks like going to win. I still think that the Americans will vote for Mccain despite his age.

When Mccain delivered his concession speech, it seems to suggest that the Republican already knew that they don't stand a chance to win this election.

McCain expressed that he was sincere and had tried his best shot.

And this makes Sarah Palin looks so bad because it seems as if she was there just to take deliberate defeat. Had she knew it ?

Also, have other previous Republican candidates gave up earlier ?

Caesar 3 - Lutetia

This is quite a challenging scenario due to its requirement for 10,000 population and with just enough farming capabilities.

Here are the tips that will ease the challenges:

1. You can only build about 82 farms (plus minus) and there are three types of food (Wheat, Vege and Meat(pig)). Don't bother to build wheat farm for food because wheat is eaten up fairly fast by the people. Build only vege and meat with the latter as the priority. Build the ratio of 60:40. It takes the population to eat up the meat slowly, so that gradually the supply of meat will be slightly over supply for a population of 10,000. If you have a combination of wheat, vege and meat, 82 farming capabilities will not enough for these population. --> This is the most important factor of winning this scenario (food and population)
   
2. Build the houses near to the farm so that food stock reaching the granary at each housing area will be faster and marketeers will have more time to look for other items. Of course, same old rules apply. Check out the pottery marketing problem.
   
   
3. Don't build large entertainment first, build Hippodrome only when you have a population of over 15% unemployment (which more than 17% for a long time will land you on trouble).
   
4. Same old rules apply, build at least one warehouse at each housing area to store pottery, furniture, oil and wine for the houses in that area. Build a commercial center with many warehouses to facilitate trades, so that traders will not purchase pottery and furniture from the housing area's warehouses.
   
   
5. You need to build around 10 blocks of 9x9 housing area to cater for 10,000 population. I actually build 11 blocks and the food is still enough with about 50:50 of vege and meat farms.
   
6. Randomly take out certain industry such as clay pit, timber yard or workshops whenever employment rates shoot over the population.
   
7. Enemy attack will only come in two different directions. The barbarians are great fighter, do not fight them without the help of wall and towers. Build thick walls to exhaust them of energy while tearing it down, then you can win almost any attack and will achieve 100% peace. Sometimes the enemy may even give up half-way tearing down the walls. But build army early. Build around 3 legions and 3 javelins. You do not have to build them all at once start with at least 1 legion and 2 javalins first.
   
   
8. Caesar will request for Army help two times. Send 1 legion and 2 javelins each time.
   
9. Remember to build the forts in the outskirts, don't build them close to the housing area because you need to reserve land to build houses near to the farms. You can even build the forts on the islands. But remember to build road to connect the island to the main road, otherwise the army will not be able to reach the fort and it will remain empty.
   
   
10. You also need to play this scenario rather quickly because after certain period, ceasar will not request for any help and it will be hard to maintain your favor's rating.

Malta Quench

Malta Quench is a new sports drink fortified with malt goodness that's high in vitamin B1. This innovative product helps you keep up with today's active lifestyle.

Vitamin B1 helps keep you active and refreshed. So whenever you are feeling lethagic, tired or in need of a little lift, drink Malta Quench to refresh your moments... anything, anywhere.

It is good for drinking after sports. The competitor to 100 Plus.

My personal opinion ?? It tastes good actually.

Caesar 3 - Pottery Problem

Caesar 3 computer game.

Have you encountered the situation when market just won't go and get pottery so that residents can buy ? As a result, the housing cannot evolve into bigger ones.



This is due to two reasons:

1. Marketeers don't have enough food in the market. So before they can start to look for pottery, they need to look for food first. This is actually due the fact that people are eating faster than the market can provide. Before marketeers can start looking for pottery, food stock has ran out. The sub problems are:
   • Not enough market for people within the area. Ideally, 1 market can service 9 rows of houses, thus if you have 9 x 9 housing area, you should have at least 2 markets
   • You have built too many houses at the start of the development of new housing area. You have to go phase by phase, it is possible to have a housing area of 9 x 18 but make sure you start with 9 x 9 first, otherwise, marketeers will have no time to collect pottery from the warehouses.
   
   
2. There is no pottery available.

Start by building some houses and give the market enough time to collect food and then pottery first before adding more houses.

Check out other tips on other scenarios.

Bush is not worried, it is not his problem

USA president George Bush is not worried anything about the financial crisis, it is not his problem, which was started from the private corporate side.

He is the savior.

Singapore Trip (Oct 2008)

Parliment

Parliment

Raffles' Place

Singapore River

The Eye

Esplanade

Esplanade 2

Merlion

One Fullerton

Singapore is peaceful.

Generally, I feel that Singaporean have a lot of mutual respect for each other, but it is lacking curiosity.

I learned that each shopping mall has its own personality. For instance, Rowena Square is the sports center, lucky plaza is where all the Indonesian hang-out during Sunday.


In Singapore, if you take out your shoe and throw out, you will hit 96 chinese, 2 mat sallehs and 1 Malay and 1 others.

The food ? Not bad too. The vegetarian food is nice and usually comes in a larger package than those in Malaysia.

In Singapore, the girls are very self-assured. They don't actually look at you.

Oh ya, I noticed that there are more Ferrari(s) in Singapore than in Malaysia.

The End of Financial Boom

Just like the dot-com bust which sent many budding technopreneurs into nowhere I foresee similar fate for those in the financial industry.

The financial industry is simply using money to make money. The skill sets required are financial, accounting, economic and business alike. Well, I can say that for the past 10 years, those with such skill sets are really well fed and the their time is up now.

But I don't think that the situation would immediately sent such talents into jobless mode, affected ones would be those involving in high-growth potential, such as sales, marketing, consultancy and optimization.

This is also the start of the end for those dealing with credit card sales and I suspect that many people would be terminating multiple credit cards because the banks will not be blessing too much tolerance towards unpaid dues. In short, consumers have to cut short on spending future money.

I think that in the near future and probably the next 5 to 10 years, we need more 'financial police' whose job will be a little boring compared to the ancestors as such that the core function is to 'audit' things out; to right wrongs. These people would require to have skill sets of accounting, financial, business, economics and at least some portions of legal.

In other words, the financial industry needs to get back to fundamental now and not high-risk and high-growth. The ICT industry has been surviving on low-risk low-growth mode for the past 10 years.

This Doesn't Look Good

Well, this certainly doesn't look too good.



There are reasons to think harder...

The Jam Was Yesterday

So my trip down to Ipoh last weekends and back to KL and then Seremban was blessed with unexpected ease.

It seems that the jam was yesterday, everybody seems to be coming back on Sunday itself. Wow, the city folks took more than one week off for holidays.