It was my payday last friday and I feel painful when I see the hard earned money direct debited to settle for mortgage loan and other monthly commited expenses such as insurance coverage. It is normal for ordianary people like me who barely survive with the current salary to take a part time job. One of the undeniable reason is to earn a little extra to accumulate capital for investment. Despite the economic crisis, it is a good time to invest in financial education now as it acquire skills to generate handsome amount of passive income. I am willing to pay the price to make sure I achieve my own finanicial goal. There are many good persoanl finance books in the markets which is worth reading but I am still seeking for one that can help me to become a well-rounded person, develop skills that will indirectly aid my personal finances as I know wealth is about more than money alone.
Please recommend and share with me if you have read any good persoanl finance book.
I like this quote by Harry S. Truman.
I do admit that sometimes it is difficult for me to accept the fact that people take credit of my idea. More often than not, there are many brilliant idea flashed into our minds that we might assume it is not practical mainly due to lacking of resources to make it happen. If we are willing to give up the credit to others, then I believe we can let truly amazing things happen in life.
We do it by giving the credit of our accomplishment away...
Photo taken from: http://www.virtualmedicalcentre.com/uploads/VMC/DiseaseImages/687_urticaria.jpg
I have been suffering from a rare disease called physical ulticaria since April last year after my Phuket trip. Visited a couple of doctors and finally I got a referral to consult specialist. I was diagnosed with ulticaria by dermatologist from Kuching Specialist.
Physical urticaria is a skin condition that produces raised hives and rashes on the skin. It is miserable if I can't stop the itchiness when the red spot begins to develop on my skin. It will then spread to the entire body,including face and my mouth (in a more serious case) when I scratched it..==> just to feel relief. According to specialist, these symptons appear as a result of friction or pressure applied to the skin.
I feel depressed initially when I know there is no cure for this disease. However, the condition can be controlled somewhat in many cases. I've been prescribed antihistamines for temporary treatment if it is getting out of my control..
There are many different types of antihistamine that you can get at the pharmacy. The one that recommended by specialist is Xyzal, which claims to have negligible side effect. I just wonder if I am going to take this medicine for the rest of my life.. :<
Reading other people's experience from some website, I might perhaps consider treatment with homeopathy or acupuncture. I am still thankful that this disease is not life threating despite the unbearable itchiness which affects me emotionally.
I was spending the whole afternoon to explore the topic that I planned for master research. I believe that it is important to undertake research which holds great promise for potential industry in Malaysia. After one to two weeks of literature review, I decided to involve in research related to waste converstion. Converting Palm oil mill effluent and empty fruit bunches into fertiliser are among the areas of my interest. Apparently, I got to work out with a brief proposal providing details of my intended studies before I am eligible to apply for scholarship from university..It is time to rough out a schedule on my proposal to save major headache later on especially when I am scrambling to finish...Jia you lo..
I am just aware that the speed limit at Kuching town area is 70km/hr after a summon was issued to Siong through the post .The compound fee stated in the summon is RM300 for exceeding 27km/hr along Jalan Tun Jugah, Kuching. This speed limit can be easily exceeded when you are driving down the flyover.
By hook or by crook, I have to work out with a letter in Malay to appeal for penalty reduction. The letter was sent personally to Ketua Polis Daerah Kuching, Simpang tiga. We have no chance to meet the officer in charge to negotiate on the compound fee. We pass the letter to the secretary/clerk there and she asked us to come again the following day to check on the discount rate. Thank God that the Ketua police reduced the penalty to a more reasonable fee--RM150. (The max discount is 50%)
Many drivers in Malaysia are more likely to think they can drive safely while speeding as long as they won’t get caught. I think that the speed limit is not really set for safety purpose but more to political or other purpose...
A message to all especially to those who habitually speed..
The police is aways ready with the camera and waiting for chances to flash those who is flouting the rules. Staying within the speed limit to save your money at this tight economic situation. Furthermore, speeding becomes a threat to our safety. So, why speed?
