Thursday, December 29, 2016

Jar of Merits

I'm starting the gratitude jar project for 2017. 

What I'm going to do is to write down every memorable moment or a good deed --- something to be thankful for or "What have I done today to make someone's life better?" ---- on a piece of paper and drop it into the jar.

By the end of the year, I'll look at all the pieces of paper as I review my 2017 at the end of the year.

The Gratitude Jar concept isn't something new.  I think it'll be a great way to start the year with hope and love.

Maybe I can call my project "Jar of Merits".  Things like having a great meal and being thankful for that, or simply enjoying the luxury of having peace of mind, good health, the energy to sprint up the stairs .... there's so much to be grateful for.

The Happy Buddha statue in the picture was a gift.  I walked into a store, and the boss said I can pay for it with any amount that I like because the Happy Buddha will go home with the person it has affinity with.  I brought the Happy Buddha into my home two years ago, and it's one of my favourite display items.

The two rabbits symbolise Playfulness, which is a very important element in productivity.  Work hard, play hard.  Work is a chore, play is a desire.


A Big Thank You

Soon it will be 2017. It's that time of year again where we come up with new resolutions and reflect on the achievements, misadventures and hopefully, no misdeeds, of the past year.

I want to end the year by saying Thank You to all visitors and readers of this blog which saw its first post in mid January 2015.  Will be reviewing the 319 posts and remove some that are no longer relevant.

There were two achievements that I'm really thankful for, and hope to see more of those in the coming year.

At the tail end of 2016, something that I have been praying for showed up in my life which proved that the law of attraction is viable but is it reliable?  Well, the thing that manifested wasn't exactly what I really wanted.

Maybe I should try to be more specific about what I really want, so I don't confuse the Universe.

I will continue blogging and try to be more focus, as this blog seems to lack direction like the writer.  Sometimes I write about food, sometimes about shopping and travels, community issues and sometimes about finance and investments. It's like a rojak blog.

Thank you 2016 for being sweet and spicy.

Tuesday, December 27, 2016

DIY Planters So Pretty

Exploring     Silver and Gold       just in case a currency meltdown ever occurs.  But then there's also this link I found that advises investors against buying gold as a hedge against hyper inflation.

As I am writing this, a text came in from a friend saying that the FTSE Bursa Malaysia Kuala Lumpur Composite Index or FMB-KLCI is not expected to be bearish next year.

Hopefully, she is right.

The future is just impossible to predict.

Amid the volatility and uncertainty, let's take a breather and have some fun with DIY planters and garden videos.

Sunday, December 25, 2016

What Makes A Good Life?


What makes a good life?

Original Post

Last Christmas, I posted this  in conjunction with Christmas.

This Christmas, I am touched by Kaylee Roger's beautiful rendition of this song which has gone viral since it was uploaded on social media.

Kaylee's story reported by NBC News

Tears just welled up in my eyes as I listened to Kaylee.  But it was tears of love and hope.

And speaking of last Christmas

Thank you George Michael for the beautiful music.  "Careless Whisper" was my favourite.

Tuesday, December 20, 2016

Where Is Lulu?

Little Lulu has gone missing.

Isn't she just adorable?  I hope whoever has taken her, is now giving her all the love and care that she deserves.

No animal should be homeless.

Sometimes I ask, "Why do Man pray and not see Dog?"  especially the homeless strays that loiter outside churches and temples.

I've started a little pet project.  The cake is still in the oven, not ready for serving.  Haven't actually even started whisking the eggs, butter and sugar.

Better get back to sleep.  Missing Lulu, I guess.

Saturday, December 17, 2016

Hall Of Fame

Hall of Fame

The second anniversary dinner of the Malaysia Dato Entrepreneurs Association (MDEA), themed the Great Gatsby Night and held at the Grand Straits Garden Seafood Restaurant in Johor Bahru last night, was a classy affair with guests arriving in elegant attire and beaming faces.

A 201-page autobiography titled "Hall of Fame" featuring the success stories of 50 Datuks in Johor whose titles were conferred by various state rulers, was also unveiled in conjunction with the celebration.

I'm so glad to be part of this wonderful event which had served the chilled sliced King prawns, scallops and fish cake with fresh fruits in a champagne glass to kickstart the six-course meal.

fancy starter

The story in the New Straits Times at   JSIC's Mission Trip To Taiwan To Promote State

Men of Substance
with Teck Huey (left) and Clemence Pang (right).  I love this picture even though I looked nervous
Memorable Night

attending the second anniversary dinner of the Malaysia Dato Entrepreneurs Association (MDEA) here last night. An 201-page autobiography titled "Hall of Fame" featuring the success stories of 50 Datuks in Johor whose titles were conferred by various state rulers, was also unveiled in conjunction with the event.

Read More : anniversary dinner of the Malaysia Dato Entrepreneurs Association (MDEA) here last night. An 201-page autobiography titled "Hall of Fame" featuring the success stories of 50 Datuks in Johor whose titles were conferred by various state rulers, was also unveiled in conjunction with the event.JSIC Mission Trip To Taiwan To Promote State

Wednesday, December 14, 2016

Align with your risk appetite and risk tolerance


A young friend of mine is considering a savings plan which promises guaranteed returns.  By saving RM169.85 every month, she will get close to RM40,000 after 15 years.  She told me she's happy to have found such a plan which also pays RM50,000 to RM100,000 to a beneficiary if anything were to happen to her.

Like all things, this plan has pros and cons.  The pros are, it comes with insurance, and you know the amount that you'd be getting.  It also motivates one to set aside a small sum of money every month.

The cons are, you may have to break the contract if you were to lose your job or if an emergency were to pop up during the 15 year period.  It's not a loan, so you can get your money back.  However, it will be calculated at a lower rate.

Comparing that to a unit trust investment, there is no contract to bind you.  You can set aside RM100 every month but if you have no money in the savings account, there won't be any penalty, and one can resume with the savings plan when there's money in the account.

After five years, the investment in a unit trust should have stabilised.  Before that, the amount would go up and down and if you're the kind who gets jittery every time the market fluctuates, then unit trust may not be your cup of tea.

You may take out your investment any time if it's a cash investment but if the share market is in the doldrums at that time, then of course, you won't get good returns.

But don't be too negative either.  The market doesn't stay in the doldrums for long.

Taking the same amount (RM169.85) and assuming your savings can generate a 6 per cent returns annually, the total amount should be close to RM50,000 in a well-managed unit trust investment after 15 years.

It all depends on what type of investor you are.

The Star report is a good read if you want to know more about the different types of investments that range from low to high risk.

Another link to check out

if you want to know more about risk management.

Friday, December 9, 2016

Just Believe

I replicated the recipe my aunt gave me recently, the one which I wrote about

Thanksgiving and the joy of eating

I always thought I couldn't cook, but the two dishes I attempted today turned out quite well.

There was a bit too much salt and vinegar in the fish dish, while the veggie was a bit too oily.  But I'm pretty sure I'd get it right the next time I cook these two dishes.

Actually, beneath the sambal, the black pomfret looked like this because I kept turning the fish while frying.  My aunt had told me not to do that, but I didn't listen because I wanted the fish to be golden brown.  It tasted yummy though, even before I put it back into the wok to mix it with the sambal before serving.

The reason I posted this is not because I wanted to show that I can cook, but to inspire others not to give up.  Never think that you can't.  Always believe that you can.

Of course some people are naturally more gifted than others at some things.  But if you keep at it, you can excel in anything.  Throw in passion, and that is a sure recipe for success.

Friday, December 2, 2016

Investment Networking


It has been pointed out to me that the number of Indonesians in the four southern states is 162,000 and not 162,000,000 as earlier shared.

Sorry for the error and thank you for reading.

with the Consul General of the Republic of Indonesia in Johor Bahru, Haris Nugroho

Original Post

The Investment Networking Luncheon, held on Wednesday at the Holiday Villa Hotel in Johor Bahru, drew 80 participants.

It featured speakers from the Badan Koordinasi Penanaman Modal (BKPM) Indonesia in Singapore, BKPM in Batam, Malaysian Investment Development Authority (MIDA), Iskandar Regional Development Authority (IRDA) and Medini Iskandar Malaysia (MIM).

Present at the event were Consul General of the Republic of Indonesia in Johor Bahru Haris Nugroho said the objective of the investment talk was to promote Batam and Johor.

"More Indonesians are coming to Johor for health checks now," said Haris, adding that Indonesian investors are now keen on exploring Johor's manufacturing sector. 

Currently, the sectors which are drawing investments include palm oil, hospitality and tourism and real estate. 

Haris is also optimistic the Singapore-Malaysia High-speed rail project will provide better connectivity and this will attract more investors. 

Meanwhile, Haris said one of the consulate's challenges was to reduce the number of undocumented arrivals of Indonesians.  

  • On record, there are 162,000 Indonesians in Johor, Malacca, Pahang and Negeri Sembilan. 

It was reported in a local daily that a total of 1.33 million Indonesian tourists visited Malaysia last year compared to 1.26 million in 2014, registering a 6.26% increase from 2014.  

In the first quarter of 2016 there were 312,446 Indonesian tourists, while about 1.25 million Malaysian tourists visited places such as Bali, Bandung and Batam in Indonesia last year.

Heart of Gold

All that glitters is not gold, but a visit to the Lace Boutique Hotel does offer one a golden glittering experience.

The owner, Dato' Hajah Rokiah Hj Omar, who is also the founder of the Yayasan Lace Dato Rokiah, is a successful woman entrepreneur with a heart of gold. 

The aesthetic details in the design and furnishings of the Wisma Yayasan Lace Dato Rokiah located at Jalan Tebrau, Taman Majidee, Johor Bahru, is notably exquisite.

Dato Rokiah, who is also founder and chairman of Syarikat Lace Motor Sdn Bhd had opened the RM16 million Lace Boutique Hotel a year ago.

Dato Rokiah said she had found a business partner for the hotel, but the deal fell through when the partner, a Caucasian, wanted to sell liquor at the cafe of the hotel.

"I wanted the hotel to operate fully in accordance with Islamic values," said Dato Rokiah, who is also planning to build a tahfiz centre which is expected to open in Seremban, Negeri Sembilan, the first quarter of 2017.

"The foundation has secured approval from the Negeri Sembilan Islamic Religious Council and discussion is underway to carry out building plans.

"For a start, the tahfiz centre will cater to about 200 students from the underprivileged group," she added.

The foundation built its first tahfiz centre in Pontianak, Indonesia, three years ago, also with the intent to help the underprivileged children there.

Dato' Rokiah said there should be no barriers and boundaries for meritorious deeds.

Growing Fun

By Gladys Tay Guest Blogger Last August, I decided to work on a project on my bucket list, which is to have an edible garden of my ...