Showing posts from July, 2016

Too Much Alone Time

I read this post

and I thought of my friend who is planning to quit her job. She has worked there for more than a decade and she's no deadwood.

The company is transferring her to work in the headquarters.

Her excuse for not wanting to be transferred was that she has to take care of her aged mother and sister, who is undergoing dialysis treatment.

I asked two of my friends who left their families at a young age to work in a foreign land.

"Do people like you look down on people like us?" I asked Ally (note: not her real name).

I, too, was reluctant to leave home and my parents when they were around.

Ally's reply: "Of course I don't look down on you all."

"I love my parents too but no matter how far apart we are, we will always keep in touch. I call them constantly, asking them things like whether they've eaten or not.  They know the love is there although I'm not there by the…

In Transit


Chilling at a transit hotel in Sepang, Selangor.  Nothing much to do here except bask in the luxury of some alone time.
Since there's no opportunity for shopping in the vicinity --- and my favourite Mid Valley Megamall, Kuala Lumpur is 48km from here --- I could meditate in the room instead. Or read a book.  Or just sleep.
If I feel hungry, I'll just go down to the 24 hour cafe for a meal.

I started my journey by taking a Yoyo Express bus at 11am from the Bus and Taxi Terminal at Taman Ungku Tun Aminah, Johor Bahru. Ticket price from here is RM59.  

If you board the bus from here (Yong Peng), where the bus driver stopped for a 20-minute break, the
ticket price is RM33.

Arrived at the Kuala Lumpur International Airport (KLIA) at 3.25pm and at KLIA2, 10 minutes later.
The Uber fare from KLIA2 to the hotel (22km) which took less than 15 minutes was RM75. This is said to be the promo rate for rides to or from KLIA or KLIA2.  And it was just a Perodua Myvi.
But is this che…

Warung Boyan

Had beef and chicken satay for dinner complemented with home-made chrysanthemum tea.  Chrysanthemum tea soothes the throat and relieves eye strain. It also dispels internal body heat.

I bought the satay, priced at RM0.80 sen each, from Warung Boyan commonly known as "Bakso Kubur Cina".  I was there earlier in the day.

You have to walk past these graves to get to Warung Boyan, located at Jalan Pujaan, Kebun Teh, Johor Bahru.

"Dining with the dead" but the living don't mind.  Business was thriving.

Is the Bakso (meatball) really so special?  I'm not exactly a big fan of meatball.  I had the "Bakso Special" (for lunch).  It costs RM6, a ringgit more than the normal Bakso.  The waiter told me the difference between the two was that there's more meat in the meatball of "Bakso Special".

Yeah, I might visit Warong Boyan again.  Maybe this time to try the ayam penyet. 

I Have A Dream

I'll be busy making plans for a trip, so I'll leave you with exerpts of a write-up by Rajen Devadason, a Securities Commission-licensed financial planner, professional speaker and author.

“LET the market help pay for that!” is something I often tell my clients when they decide to buy a new home or car, or plan to retire early or fund an overseas education for their children.

The market I refer to is the equity market comprising Bursa Malaysia and international stock markets. While I construct my clients’ portfolios from the building blocks of (up to) five asset classes (cash, fixed income, equities, investment real estate and alts or alternative investments), most of the time — in successful long-term portfolios with time horizons running from seven to twenty or more years — the asset class that generates the highest returns is equities.

For all its shortcomings, capitalism is the most successful economic system for wealth creation ever conceived. The best way to harness the a…

Make It Fun

Don't be seduced by debt or goaded by greed.

Set a financial goal.  Goals don't just happen.  Know with clarity what is your goal   --- be it saving for your child's education or retirement ---  save bit by bit but do it regularly and consistently.  Develop that discipline.  And make it fun.

Maybe after you've set aside RM100 for saving, you can treat yourself to a cool blue drink.

Better to cultivate self-discipline than to plunge into a commitment. I was inspired to write this post after a friend --- he's 28 and planning to buy a house in two years --- told me he wants to take out a ASB scheme where he can get RM50,000.

He said he plans to use that as deposit for the house.  I said "Okay la, sounds like a good deal".

But then he told me he would have to pay about RM300 for 20 years, and get 7.5 to 8 per cent in returns annually.

I'm not quite sure how the scheme works.  But it would be quite taxing and stressful if after taking up that scheme, othe…


This  KL-JB express bus (pictured) left the Terminal Bersepadu Selatan (TBS) in Kuala Lumpur this morning at around 8.05am, although the ticket stated 7.50am.

I think it's normal to start a bit later than the scheduled time.  I didn't hear any complaints from the other commuters either.

But at 8.45am, we found ourselves all back at the TBS.  The driver had taken a U-turn at the first toll plaza because some commuters were left behind.  This time there were complaints heard from some of the commuters.

Why did the bus company make the driver U-turn back?  Isn't there any other option? 

The ticket cost RM33 by the way, and I reached Larkin, JB, at around 12.30pm. 

From Larkin to TBS, the ticket cost RM35.  The bus left JB at 9.40am and arrived at 2pm.

This plate of fried rice cost RM13.75, and diners were told to pay  before food is served.

Anyway, this is not to suggest the meal was expensive.  The cost of living is rising, and there's no point complaining about i…

Busy Day

Some good news, and some bad news.  Just read that  Bank Negara Decreases Interest Rate

which is good because interest rates for housing loan will be lower, but RM will also depreciate.  The measure is probably to encourage more investors to park their money in the share market to boost the economy.

Someone also asked me what I meant by "RM goes into full convertibilty" in Burung Puyuh and Cherry Tomatoes

 Please read this link

What is currency convertibility?

Busy busy day.  May update later, if I have time.

Burung Puyuh and Cherry Tomatoes

I had fried burung puyuh with mayonnaise wasabi as dipping sauce for dinner.  It was yummy.

Earlier in the day I went to a financial institution and was quite unhappy with the service.  They're always running out of this and that, so you need to go there more than once to get something done.  It's so annoying. The said financial institution is not exactly near where I stay.

You see people sometimes complain about having to pay a service fee or that the service charge is so high.  If you don't pay, then you need to do the running around yourself and put up with such nonsense.

Ok, quit complaining.  I'm glad though that I get to serve my friends.  I just hope the financial institution and its staff will buck up and step up.  Petrol is not cheap.  Precious energy and time gets wasted. 

In spite of the petty irritation, we still need to try our best to save up and invest more now that the FBMKLCI is low.  Today it closed at 1653.97.  Imagine one day when the index rises…

Black Swan

I woke up and read this Chinese Navy Holds Live Fire Drills in South China Sea

which makes me think about July 12, which is two days away, and whether the next US president is going to be a Democrat or a Republican.

Don't know how the financial market is going to react to all this, namely, Singapore, Indonesia and Hong Kong.

Still too early to tell, but be alert.

I suddenly feel like watching this movie again.

Be Mindful and Self-Reliant

Do we put on our jogging shoes only when our stomach sticks out? I'm not talking about Moms-to-be.

Do we start including fruits and vegetables only when we are diagnosed with some disease?

Do we dye our hair to cover the greys only when they start to show? Ok, in this case yes.

I just calculated my body mass index and I'm glad to say I am still in the normal range.

I still need to watch what I eat though. Who doesn't like fried food and bacon? But try to stay away from fried stuff.

If I need to fry, I will use only olive oil.  The extra virgin oil is for salad dressing, and is not ideal for cooking.

I recently also bought olives and blueberries. Next trip to the supermarket, I'll probably get strawberries, cherries.  The next trip salmon and avocado.

When it comes to health, we can loosen the purse strings a little. When you don't have good health, all the wealth in the world won't mean much.

Speaking of wealth...

Do we start saving money only when we nee…

Gardener Wannabe

I'm the green bee gardener wannabe.

I got this plant at the Pasar Tani Larkin Datin Halimah in Johor Bahru this morning at RM9.

I did some research and found that this plant --- from its fruit to the bark and seeds and leaves  --- has numerous therapeutic and medicinal properties.

It is also said to be anti-ageing and immune enhancing.

Well, I shall try to plant it first in my garden.  If you haven't guessed it yet, this is the kedondong aka ambarella aka balonglong.