Let’s face it that currently we are in the digital era. Even the richest man in the world stored their wealth electronically. So these digital data are extremely confidential and if you got the right “key”, every single details of you can be revealed!!! This remind me of the movie "Die Hard 4", if you have the control on these digital data, basically you are in control of everything. 
What is the 1st thing that crosses your mind when u sees the gadget above?
Well for me, I thought it is some kind of PC converter. But the shocking truth is, it’s a device that captures any key pressed from the keyboard a.k.a “Black Device”.
What we had witness above is the evolution of crimes whereby criminals starts to use their 6lbs brain on ways to obtain/steal sensitive informations.
We might have the latest virus, firewall, security systems installed in the pc, but back to the root, you will still use a keyboard to type!!! (Unless you have a touch screen :p).
Lastly frens out there, be alert on the on the “Black Device” when you are in a Cybercafe, Airport n etc. It will just take 1 Careless to lose Everything.
Just give it a thought... ;)
I am slow,
When my boss takes a long time,
he or she is thorough
When I don't do it,
I am lazy,
When my boss does not do it,
he or she is busy,
When I do something without being told,
I am trying to be smart,
When my boss does the same,
he or she takes the initiative,
When I please my boss,
I am apple polishing,
When my boss pleases his boss,
he or she is cooperating,
When I make a mistake,
you're an idiot.
When my boss makes a mistake,
he's or she only human.
When I am out of the office,
I am wandering around.
When my boss is out of the office,
he's or she on business.
When I am on a day off sick,
I am always sick.
When my boss is a day off sick,
he or she must be very ill.
When I apply for leave,
I must be going for an interview
When my boss applies for leave,
it's because he's or she overworked
When I do good,
my boss never remembers,
When I do wrong,
he or she never forgets
Today is a sad day for me...
A good old fren of mine had just left us.
His name is Chew Kar Wai, 29.
He's a very happening, cheerful, happy go lucky guy. It feels good when you ard with him.
Its sad that he had to end his journey with us but a new journey is awaiting for him.
There will be a prayer ceremony on 15/10/2008 @ his house, Batu Gajah, Perak.
His funeral will be on the 16/10/2008 morning.
For those who are reading this, Hope you can pay respect for him for the last time.
For those who don't know Kar Wai, kindly spare 1-2 mins to pray an wishes him.
Thank you
We will missed you very much and you will remain in good memories. R.I.P.
JULY 20th, 1979 ~ OCT 14th, 2008
As anticipated, these are the spiraling effect after the petrol price hike.
Well if you had read my post yesterday, isn't that so predictable? There's nothing much that they can do about it, accept the fact and start improvising your strategy!
Scenes of chaos at petrol stations"KUALA LUMPUR: Prime Minister Datuk Seri Abdullah Ahmad Badawi on Wednesday announced the new price for petrol is RM2.70 a litre, effective midnight tonight 04 June 2008
The 40% increase in petrol price is part of the new fuel subsidy plan the Prime Minister announced at 5pm Wednesday.
The price of diesel goes up to RM2.58 from RM1.58."
Well this will be the biggest headline for year 2008.
Now lets do a quick math. An average m’sian will consume at least 100 litres per week. Currently our petrol is residing at RM1.98, so per week will cost RM198. With the new price increment it will now cost RM270 per week. This actually transalate an extra expenses of ~RM300 per month. So is RM300 a lot? Well for some ppl its equivalent to their monthly expenses for food (RM10 x 30days).
To bring this further, an average income for msian would be RM3K. Just for the sake of petrol, it will cost RM1K and if we include the montly car installment i.e RM500, 50% of the earned income is gone!
You will see 95% will be complaining.
You will see them start to Protest.
You will see them start to Boycott.
You will see them in anger.
You will see them in fear.
You will see them disappointed.
You will see them helpless.
You will see them played the role of “victim”
As time pass, they will start to accept the fact and there’s nothing much they can do about it and businesses as usual.
Few years down the road, the same headline will re-occur and the ‘So What's Next?’ be repeated.
So What's Next?
STOP being a victim! If what you are doing currently doesn’t improve your financial situation, isn't it time to improvise your strategy?
So What's Next?
Ever wonder why most house have a back door? Obviously it is for the case of emergency. If all the while you only have a single stream of income, it's time to build your "back door". It definitely required time to create additional streams of income but let's not create excuses of not having one! You are not to be blame of not having one now, but few years down the road and you still don't have any.... who's to blame?
Cheers!
Little amounts can make a large difference to your finances.
As gasoline and food prices continue to rise, the squeeze to make family budgets balance each month becomes more of a struggle. After the big savings have been found and taken, smaller savings have to be found to make ends meet.
This can be frustrating as it can feel like everyone is being nickled and dimed to death. That's why it's important to realize how these small amounts can make a huge difference in your overall financial health.
You've likely heard about the little ways to save money a million times. Money-saving advice includes standards like packing your lunch instead of buying it at work, skipping the Starbucks and making your coffee at home and watching videos at home instead of going out to the movies. While you may have grown tired of hearing them, they are still as true as ever and even more important when the economy is struggling.
Saving small amounts of money is good advice for everyone, it's not as essential for people that are currently living well below their means. If you spend $5 on a cup of coffee each day, but you're still able to put away five times that amount toward your savings, that coffee splurge isn't going to hurt as much as for someone who isn't saving anything. For those that are barely making ends meet, spending small amounts of money can be the difference between deep debt and a nice retirement account.
When you are faced with a budget that isn't balancing, you have two main choices: earn more money or cut more expenses. Unfortunately, many turn to a third alternative. When they can't seem to make their budget balance, they decide that it's acceptable to place the difference onto a credit card. Even though the monthly shortfall in the budget is small, placing it onto credit cards is one of the worst financial moves that a person can make. The result will be a downward cycle that will not only keep you in debt, but also create a tremendous amount of stress.
There is often a false assumption that saving $10 and spending $10, although opposite, are relatively the same. For example, if a person saves $10 a day, after a month their account will have $300 while if a person spends $10 a day, that will result in a debt of $300. While on the surface this makes perfect sense, the problem lies in that these numbers fail to take into account the interest that can be gained or charged on this money. It is this failure to understand the concept of compound interest and the dramatic effect it can have that greatly changes these results.
It's important to understand that it takes very little to start sinking into debt. For most people, spending $10 a day would not be considered extravagant spending by any means, but $10 can result in tens of thousands of dollar of debt. It's simple to see when you compare the results of what happens when one person saves $10 a day while the other spends $10 a day that he doesn't have.
If a person were to save $300 a month (approx. $10 a day) and invest it to get a 5% yearly return, that person would have $20,402 in the bank after five years. On the other hand, if a person ends up spending $300 a month more than he has and puts it onto a credit card that he doesn't pay off over the same 5 year period, that person will owe $36,259, assuming a 26% credit card interest rate. After five years, the difference between saving $10 and spending $10 each day results in a $56,661 gap in net worth between the two.
Add another five years to the same patterns, and the results are even more dramatic. After 10 years, the person who saved $10 a day would have $46,585 in the bank, whereas the person whop spent the $10 he didn't have would be $167,470 in debt, resulting in a net worth difference of over $210,000.
Of course, there are many other factors that could alter these calculations. The interest you can earn and what your credit card interest rates are will vary from this example. There is a minimum amount that the person would need to pay on a credit card each month. If debt to this extent began to occur, the person would have their credit cut off long before this amount accumulated and would likely need to declare bankruptcy. The point is that over time, small amounts added to debt can result in far more debt than most people realize.
Once you learn that saving a small amount and overspending a small amount aren't simple opposites, you understand the importance of having a budget and strictly sticking with it. If you are able to fight through the hard times and keep your budget balanced, then you set yourself to reap great financial rewards when the economy finally turns around.
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