Thursday, October 20, 2011

Today I’m going to start a series of blogs to help you understand the different options for water treatment.Before I get into the issues of treatment however, you need to know some core pieces of knowledge…
First, it’s important to understand that basically water is water. The only real difference between pure, distilled water, highly contaminated ocean water, tap water and sewage water are the contaminants in the water. The water is the same. The pure rain water that pours down and is the source of all fresh water started as very salty ocean water. The water that you drink has been in countless forms before it enters your body. It’s been rain water and ocean water and it’s been consumed by numerous life forms before you. What it was doesn’t matter though. What matters is how pure it is now.

Second, while the first point is very simple and straightforward, water contamination is anything but. There are countless different contaminants that can be carried in liquid water, and these different contaminants occur in different combinations everywhere you go. Even the same source of water can change in composition from season to season or even from moment to moment. The result, water quality is different everywhere you go.

Third, you DON’T know what is in your water, nor does the government. Even if you pay $1,000 for an expensive water test, it is just a snapshot of certain chemicals for a certain period of time.

Fourth, many contaminants that are regularly found in tap water have been linked to cancer and other very serious illnesses. Many more contaminants have unknown affects on your health, and no one knows how the numerous combinations of toxins that you may get exposed to could affect your health.By purifying your water you are protecting yourself from these toxins.

Fifth, there are a great many forces that have their own agenda and try to shape your understanding of water, often not for your benefit. Environmental groups will do anything to get you to stop buying bottled water, even lying (tap water is NOT as good as bottled water). The government wants you to think that the water is safe, even when it’s not (the illusion of safety is good enough for most people and it’s much easier for the government). Many companies want your money and will do anything to get it (alkaline water, clustered water, energized water…). You are responsible for protecting your family, thinking critically and keeping your priorities straight (purity should be your number 1 priority).

Sixth, every water treatment device has strengths and weaknesses. There is no perfect water treatment technology. But if you have your priorities straight and you have a solid grasp of the different technologies you can come up with an excellent strategy that provides the highest level of protection.

Seventh, you can’t live in a bubble. In today’s world there is simply no possible way to avoid all chemicals. You will be exposed, as will your family. But you can reduce your exposure to toxins, and one of the easiest ways to do that is to ensure that you are drinking only pure water.

Monday, August 08, 2011


Once upon a time there was a painter who had just completed his course. He took 3 days and painted beautiful scenery. He wanted people's opinion about his caliber and painting skills.

He put his creation at a busy street-crossing. And just down below a board which read -"I have painted this piece. Since I'm new to this profession I might have committed some mistakes in my strokes etc. Please put a cross wherever you see a mistake."

While he came back in the evening to collect his painting he was completely shattered to see that whole canvass was filled with Xs (crosses) and some people had even written their comments on the painting.

Disheartened and broken completely he ran to his master's place and burst into tears.

This young artist was breathing heavily and master heard him saying "I'm useless and if this is what I have learnt to paint I'm not worth becoming a painter. People have rejected me completely. I feel like dying"

Master smiled and suggested "My Son, I will prove that you are a great artist and have learnt flawless painting. Do as I say without questioning it. It WILL work."

Young artist reluctantly agreed and two days later early morning he presented a replica of his earlier painting to his master. Master took that gracefully and smiled.

"Come with me." master said.

They reached the same street-square early morning and displayed the same painting exactly at the same place. Now master took out another board which read -"Gentlemen, I have painted this piece. Since I'm new to this profession I might have committed some mistakes in my strokes etc. I have put a box with colors and brushes just below. Please do a favor. If you see a mistake, kindly pick up the brush and correct it."

Master and disciple walked back home.

They both visited the place same evening. Young painter was surprised to see that actually there was not a single correction done so far. Next day again they visited and found painting remained untouched. They say the painting was kept there for a month for no correction came in!

Moral of the story:

It is easier to criticize, but DIFFICULT TO IMPROVE!

So don't get carried away or judge yourself by someone else’s criticism and feel depressed...

JUDGE YOURSELF! YOU ARE YOUR BEST JUDGE!!

Wednesday, June 01, 2011

Muka Depan
Tengah dok takde keje memalam kat rumah, meluncur di alam maya.. cuba check-check email, tengok dalam folder spam banyak la pulak email spam yang ada.. dalam usaha untuk clearkan satu-satu sambil tengok-tengok email tu, ternampak satu email (sebenarnya banyak dan saya memang suka baca email dalam folder spam tu) yang tajuk dia pasal Kelab Jutawan ni.., terfikir plak, giler gak jutawan pun ada kelab online.. tak pe, try klik...


Then redirected ke satu website.. tengok-tengok testimoni yang ada, nampak menarik.. gatal plak tangan ni nak register free.. bila dah register free tu, dapat la email follow up.. memang cara mamat ni follow up agak bagus.. 2-3 hari sekali dia akan email dan bagi update.. 


korang cuba tgk, kot-kot korang pun interested.. bleh la bagi update dan share kat sini..


cuba klik sini.


dan ni pulak assurance dia kata ni bukan MLM, Skim Cepat Kaya dan apa-apa yang sewaktu dengannya
bagi korang yang suka ambil tahu, try la klik link tu.. saya bagi lagi sekali link ke sana..


klik SINI

Monday, May 30, 2011


DETAILS OF THE DEAL

Like a wrinkled t-shirt, a saggy and wrinkled skin is in dire need of some tender loving care and a mean ‘ironing’ session.

Plump up those lines and crow’s feet with MyDeal’s Intensive Skin Renewal Treatment at Model Slimz for only RM38 instead of RM388!

Apt with it’s name, Model Slimz, a slimming and beauty centre; provides customers the ultimate star treatment to everyone including ‘aspiring models’ (the shy closet ones trying on your sister’s stilettos and LBD included).

In the hands of professional beauticians, you’ll be polished and kneaded to perfection, beginning with the Intensive Skin Renewal Treatment that includes Double Cleansing, Scrub Extraction, Steam, and a Double Mask. Heave a sigh of contentment with the face, shoulder and head massage. All these treatments are carried out using a special apparatus to help boost skin’s elasticity.

It’s a tailor made cosmetic peeling combining techniques from both chemical peeling and microdermabrasion, designed to revive skin and giving an appearance of a boiled egg; smooth to the touch and as fair as snow.

With this deal, you’ll also get the Eyes and Neck Treatment, along with 3D Defi-Lift Face - a gentle alternative to cosmetic surgery, which restores the skin support network at 3 different levels rebuilding the skin’s natural cushion and redefining the contour of the face.








Wednesday, April 27, 2011

You have heard it, read it and probably felt it!

  • Interest rates (BLR) rose by 0.75% and is expected to rise by another 0.50% to 0.75% this year (please refer below report from CIMB and Standard Chartered)
  • Malaysia’s inflation seen at 23-month high at 3.1%. With 5 out of 12 broad categories in the CPI (Consumer Price Index) basket saw month on month increase in March 2011
  • Cost of living continues to soar!

CIMB Research Report : Economic Update - 21 April 2011


Standard Chartered Global Research : 22 March 2011


LAST CALL!


For limited period only, AIA HOME LOAN packages will still be offering fixed rates at:

4.85% p.a. (Non Zero Moving Cost Package)
5.25% pa.  (Zero Moving Cost Package)

AIA will be revising the interest rates soon as funds allocated for the two packages above are almost fully utilized. Seize this opportunity now and lock in the lowest long term fixed rates. For the ultimate peace of mind.


THIS IS YOUR LAST CHANCE. Don’t miss out!

For more information, please contact me!




Thursday, April 14, 2011

Need a home loan? Contact me for more info on AIA Home Loan Package Fixed Rate at 4.85%!
A HOME buyer with a floating interest rate home loan may feel slightly unnerved in a rising interest rate environment. Just in a span of five months, Bank Negara had raised the overnight policy rate (OPR) by 75 basis points to 2.75% last year and local economists expect the central bank to raise the OPR further in the second half of this year.
As the OPR moves up, banks will also look to increase their base lending rates (BLRs) and a higher BLR will undoubtedly have an impact on a floating rate housing loan. BLR is typically defined as a minimum interest rate charged by banks after considering its cost of funds and other administrative costs.
As most floating rate loans track the BLR, the interest charged will fluctuate based on the rise and fall of the BLR throughout the tenure of the loan while a fixed home loan ensures that the interest charged is fixed throughout the loan's tenure.
For new homeowners, fixed rate loans may be a good alternative provided they are able to lock in when interest rates are still low.

So how do you make a decision on which home loan to opt for, be it fixed or floating?
For individuals currently servicing floating rate housing loans, jumping to fixed home loans immediately may not be the best alternative.
Considerations that one needs to take into account include the cost incurred in refinancing a home loan, as there are fees or penalties impose by the existing financier for exiting your current loan contract.
Also, refinancing will see the individual having to abide by new terms and conditions, which means that the individual's lock in period for the loan may start again. But on the upside, you may receive better prepayment conditions and favourable rates with the new loan.
If a home owner does not foresee a steep rise in interest rates and the variable rate home loan tenure is coming to an end soon, the differential in savings from switching may be small considering that fixed home rates are also inclined to move up in a rising interest rate environment.
“It's important to take note of how many more years you have on your loan tenure. If you have a couple of years left, it may not be worth switching considering the cost of refinancing,” says Whitman Independent Advisors Sdn Bhd managing director Yap Ming Hui.
“Also, look at the fixed interest amount as that will help you decide, if it is too high or low. If the fixed rate is at 8% and a floating rate housing loan is BLR minus 2%, then the fixed rate loan is not competitive.”
However, for new homeowners, fixed rate loans may be a good alternative provided they are able to lock in when interest rates are still low.
Ng Wei Kian opted for a fixed rate home loan when he first purchased his home.
“I'm a type A personality and with the worry that interest rates may move up, I'm much more comfortable servicing a fixed rate home loan,” he says.
He adds that since he is an employee with a fixed monthly income, knowing how much he has to pay on a monthly basis provides him with peace of mind, especially since his housing loan is his biggest financial commitment.
Another plus point is that as you progress in your career and see a higher salary base, your monthly loan repayment becomes smaller in comparison to your earning power, he says.
While fixed rate loans tend to suit risk-averse individuals, it is best to seek out various options offered by banks and insurers alike in their product offering before one commits to a housing loan with repayments locked in for 30 years.
A quick check on website www.bankinginfo.com.my shows that BLR among banks here range between 6% and 6.30% as of October last year while there are some attractive fixed home loans out there, with one insurer even offering a fixed income rate at 4.85% per annum (non zero moving costs) and 5.25% per annum (zero entry cost) (~ AIA HOME LOANS!!!)
The key take away in making a switch in a housing loan is to examine your financial situation and only change if the penalty fees charged outweigh the savings benefit from the new loan.

Tuesday, April 12, 2011

A blind boy sat on the steps of a building with a hat by his feet.  He held up a sign which said: "I am blind, please help."  There were only a few coins in the hat..



A man was walking by.  He took a few coins from his pocket and dropped them into the hat.  He then took the sign, turned it around, and wrote some words.  He put the sign back so that everyone who walked by would see the new words. 

Soon the hat began to fill up.  A lot more people were giving money to the blind boy.  That afternoon the man who had changed the sign came to see how things were.  The boy recognized his footsteps and asked, "Were you the one who changed my sign this morning?  What did you write?"  




The man said, "I only wrote the truth.  I said what you said but in a different way." I wrote: "Today is a beautiful day but I cannot see it." 

Both signs told people that the boy was blind.  But the first sign simply said the boy was blind.  The second sign told people that they were so lucky that they were not blind.  Should we be surprised that the second sign was more effective? 




Moral of the Story:  

Be thankful for what you have. Be creative.  Be innovative.  Think differently and positively. When life gives you a 100 reasons to cry, show life that you have 1000 reasons to smile.

-          Face your past without regret.
-          Handle your present with confidence. 
-          Prepare for the future without fear. 
-          Keep the faith and drop the fear.
   
The most beautiful thing is to see a person smiling. And even more beautiful, is knowing that you are the reason behind it!!!

"Faith is not about everything turning out OK;  Faith is about being OK no matter how things turn out."

Friday, April 08, 2011

You never know what can happen in the future, especially events regarding your health. It is advisable you acquire an affordable health care insurance today to avoid any huge expenses incurred due to unforeseen health issues that may arise and you need to seek medical attention.

These days, the living costs are always increasing but your salaries may not rise as fast. However, an affordable health care insuranceis definitely required to see you through the huge expenses that you may incur when you seek medical attention in the future. Then again, there are also reasons why there are still so many people avoiding getting one. This is mainly because these health insurances are getting more and more expensive that a lot people could not afford to buy one. Therefore, there is a growing demand and need for an affordable health care insurance these days.

Because of the high medical insurance costs, many people have no choice but live without one. Those who cannot afford the high premiums feel that it better for them to spend such money on basic necessities rather than on the health insurance. However, they do not know that without such health care insurance, they could burn a big hole in their pocket and even wipe out their entire life savings easily with just one unforeseen major illness or accident that could happen to anyone.

Therefore, be wise to get an affordable health care insurance right now. See things in a long-term perspective as you can actually save more for the future this way by getting a health care insurance today. If you are young especially, you should start getting one today as premiums are lower for younger people. If you are young and healthy and do not smoke, your premiums can be even be further reduced. So, if you are smoking today, quit it immediately. This can help save you a lot in your monthly health premiums when you get one.

Monday, March 28, 2011


You have the power to achieve the best.

Allow it.

You have a purpose that comes directly from your authentic essence.

Accept it, acknowledge it, explore it, and allow it to flow into every corner of your world.

Striving and fighting only hold you back.

Now it is time to live every moment with the positive power you know you have.


Now is the time to love and to fulfill the beauty that you know can be.

Now you can let authentic life flow.

The problems hold you back only because you see them as problems.

Now it is time to see every circumstance as the opportunity that it is.

Every desire, every hope, every longing is already fulfilled by your possibilities.

Now is the time to live them fully.

Thursday, March 24, 2011

The new look hanya untuk sementara. tengah fikir nak letak design apa kat blog ni.
pakai je la yang default ni.. leceh nak edit-edit.. kena betul2 ada masa free.

when everything changes, change everything.. hahah.. yeah, it was a book title which was given to me by my lovely wife for my birthday gift.


Still lagi tengah baca few pages. agak menarik isi kandungannya.

Here's a brief about the book, taken from the author's website ( www.changingchange.net )

The book’s point of view emerges from the nine Conversations with God books written between 1995 and 2007, condensing the messages found there and rendering them applicable to daily life in a functional, practical way.
For instance, one of the boldest thoughts expressed within these nine changes is the idea that “all change is change for the better.” Most of us experience this–after the fact.

Most of us have experienced events which we have called, when they were happening, the worst moments of our lives, only to find as time went by that what occurred was one of the best things that ever happened to us.

The fact is that this is true of everything that has ever happened to us, but we do not know this because not enough time has passed to put all the events of our lives into their largest context.

On a human level we may find it difficult to accept the “perfection of the past” because some things have turned out for the worst–according to our definition. Yet When Everything Changes, Change Everything tells us that our definition is distorted, constrained as it is by the Mechanics of the Mind and their inherent limitations.

The mind may very know all about what has gone before, but is does not know why. The mind may very well hold all of life’s Past Data, but it does not hold all of life’s information (which is another thing altogether). The mind may very well contain knowledge, but it does not contain wisdom.

Wisdom lies outside the mind. Wisdom resides within the soul. That is why we need to hold both handles of this magnificent tool of creation that should now be called by its proper name: YOU.

Wednesday, March 23, 2011

Dear, I fear we're facing a problem
You love me no longer, I know
And maybe there is nothing
That I can do to make you do


Papa tells me I shouldn't bother
That I ought to stick to another girl
A girl that surely deserves me
But I think you do!

So I cry, I pray and I beg

Love me love me

Say that you love me
Fool me fool me
Go on and fool me
Love me love me
Pretend that you love me
Leave me leave me
Just say that you need me
Love me love me
Say that you love me
Leave me leave me
Just say that you need me
I can't care 'bout anything but you...

Lately I have desperately pondered,
Spent my nights awake and I wonder
What I could have done in another way
To make you stay


Reason will not lead to solution
I will end up lost in confusion
I don't care if you really care
As long as you don't go

So I cry, I pray, and I beg


Anything but you...

Love me, love me (Say that you love me)
Fool me, fool me (Go on and fool me)
Love me, love me (I know that you need me)
I can't care 'bout anything but you..

Monday, March 21, 2011


One of the most memorable case studies on Japanese management was the case of the empty soap box, which happened in one of Japan's biggest cosmetics companies.  The company received a complaint that a consumer had bought a soap box that was empty.


Immediately the authorities isolated the problem to the assembly line, which transported all the packaged boxes of soap to the delivery department.  For some reason, one soap box went through the assembly line empty.

Management asked its engineers to solve the problem.  Post-haste, the engineers worked hard to devise an X-ray machine with high-resolution monitors manned by two people to watch all the soap boxes that passed through the line to make sure they were not empty.

No doubt, they worked hard and they worked fast but they spent whoopee amount to do so. But when a workman was posed with the same problem, did not get into complications of X-rays, etc but instead came out with another solution.

He bought a strong industrial electric fan and pointed it at the assembly line. He switched the fan on, and as each soap box passed the fan, it simply blew the empty boxes out of the line.

Moral of the story:  Always look for simple solutions. Devise the simplest possible solution that solves the problem. So, learn to focus on solutions not on problems.

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