Found a nice book!

I saw this in the internet, sounds really good and interesting.

The author Patric Chan (an internet millionairre in Malaysia) speaks about how he is teaching people to make money using facebook. And it is legal and facebook allows it. It does not spam people's account. Sounds too good to be true, but I think Patric Chan won't lie about this, although I'm pretty sure he's gonna make more money by selling the book.

Look at her excited face~ you should be too. Check out the link below to find out. It will only take you 10 seconds. If you're not interested, well, just close it then.

Check this out: http://showeringcash.info

Venus Jupiter Universe Halley's Comet return

Mark your calendar now if you want to see the next celestial convergence of Venus, Jupiter, and the moon. On November 18m 2052, you'll be able to peer through the evening darkness as those solar system neighbours "gather" in a tiny area of the sky. That remarkable juxtaposition of reflective spheres last sparkled the night sky on December 1, 2008, and it will happen again 4 decades from now.

This predictability, as well as things such as eclipses and the return of Halley's Comet (July 28, 2061), prove the orderliness of the universe. If no fixed set of laws governed the movement of eerything in the universe, such predictions could not be made.

Are these set rules more than random standards? Can we see God's hand in these celestial certainties? Look at Jeremiah 33:25-26. God has in view the covenantal relationship between Himself and His people, and He uses a scientific fact in the analogy. In effect, God says that His fixed universal laws, "the ordinances of heaven and earth," have the same certainty as His promises to His covenant people.

God's laws have governed the universe since its creation - and continue to do so with astounding predictability. So mark your calendar, and be amazed by God's unchanging control.

-Dave Branon

A prayer: Dear Lord, I marvel at the wonders of Your creation. You are such a great and awesome God who does not change. As I place my life in Your hands, I will trust You to be faithful. Amen.

The wonders of creation reveal God at work.

Government Service Tax (GST)

I got this from an email. If i'm not mistaken, GST means government service tax. I know tat we're being surcharged for tax for everything we use, but i never imagined that it's at such an absurd rate. N why is a rich country like Singapore charging a lower tax than us? sigh ...
Go, Squeeze Them (GST).

Our Rakyat do not fully understand the implication of GST, until it is implemented and prices of goods spiralling upwards. By then it is too late.

A rich country like Singapore introduced GST at 3%.

A poor Malaysia wants to implement GST at 4%

GST is a multi-stage tax system. ( TRY TO UNDERSTAND THIS !!!!!)

Everything the sellers sold, from manufacturer, wholesaler to retailers, collect GST for the government. Unlike the the current sales and service tax (SST) is a single-stage tax. Only one party along the supply chain collect the SST for the government. If the manufacturer collects the tax, the rest are not allowed to collect.

Just imagine every seller add GST when they sell. ( READ N TRY TO UNDERSTAND THIS !!!!! )

For example: The current Sales Tax for Toilet soap is 10%. With GST, the manufacturer pays 4% to the govt when he sells it to the Wholesaler, the Wholesaler pays the govt another 4% when he sells to a Retailer; and when the Retailer sells it to the Consumer, he pays another 4% to the govt. The Consumer actually ends up paying more than 12% in cummulative GSTs for the same piece of soap or > 20% more in taxes. (10% vs 12%+++)

1) Manufacture to Wholesaler - RM 1.00 + 4% ( RM 0.04 ) = 1.04

2) Wholesaler to Retailer - RM 1.04 + 4% ( RM 0.42) = 1.082

3) Retailer to Consumer ( idiots like you and me )

- RM 1.082 + 4% ( RM0.043) = 1.125

YOU AND I HAVE TO PAY A TOTAL TAX OF 12.5% or RM 0.125 FOR EVERY RINGGIT OF THE MANUFACTURERS PRICE ON THIS THREE TIERS SYSTEM

If the supply chain is longer than 3 stages, the consumer ends up paying 4% more for each addition stage. Eg Manufacturer to Agent (4%) to Wholsaler (4%) to Retailer (4%) to Consumer (4%).. Total 16% ++++ (vs 10%) or 60% more in taxes!!!!

( This final price that idiots like you and me have to pay is

RM 1.17 equivalent to 17% TAX or RM0.17 for every Ringgit of the manufacturers price) on this FOUR tiers system

If the GST is not stopped, the Rakyat will ended up paying very very very high prices for everything. ( that is why it is call the GO, SQUEEZE THEM - GST )

Psalm 23 - the Lord is crazy about you!!

Psalm 23

The Lord is my Shepherd = That's Relationship!

I shall not want = That's Supply!
He maketh me to lie down in green pastures = That's Rest!
He leadeth me beside the still waters = That's Refreshment!

He restoreth my soul = That's Healing!

He leadeth me in the paths of righteousness = That's Guidance!

For His name sake = That's Purpose!

Yea, though I walk through the valley of the shadow of death = That's Testing!

I will fear no evil = That's Protection!

For Thou art with me = That's Faithfulness!

Thy rod and Thy staff they comfort me = That's Discipline!

Thou preparest a table before me in the presence of mine enemies = That's Hope!

Thou annointest my head with oil = That's Consecration!

My cup runneth over = That's Abundance!

Surely goodness and mercy shall follow me all the days of my life = That's Blessing !

And I will dwell in the house of the Lord = That's Security!

Forever = That's Eternity!

The box of joy n sorrow

I have in my hands two boxes,
Which God gave me to hold.
He said, "Put all your sorrows in the black box,
And all your joys in the gold."

I heeded His words, and in the two boxes,
Both my joys and sorrows I stored,
But though the gold became heavier each day,
The black was as light as before.

With curiosity, I opened the black,
I wanted to find out why,
And I saw, in the base of the box, a hole,
Which my sorrows had fallen out by.

I showed the hole to God, and mused,
"I wonder where my sorrows could be!"
He smiled a gentle smile and said,
"My child, they're all here with me.."

I asked God, why He gave me the boxes,
Why the gold and the black with the hole?
"My child, the gold is for you to count your blessings,
The black is for you to let go."

Man loses RM5,000 after updating online banking details

In less than four minutes, about RM5,000 disappeared from manager Yong Chee Seong’s bank account after he was asked to update his online banking details in an e-mail he received on Tuesday, Kosmo! reported.

“The e-mail looked genuine and I was told to change my bank account password for safety reasons and to avoid being cheated by cyber frauds,” said the 30-year-old.

Yong said he did not suspect anything amiss until he received an SMS from the bank, informing him that a total of RM4,935 had been transferred out of his account.

When contacted, the bank said its policy did not require account holders to change their personal information via e-mail.

Yong made a police report at the Sea Park police station in Petaling Jaya the same day.

pls be careful of such scams. they may look so real...
quoted from: http://www.thestar.com.my/news/story.asp?file=/2008/9/27/nation/2131543&sec=nation

mortgage reduction

The concept of mortgage reductions has become a growing trend among home owners, who find they can save more money, by putting an extra amount of money, each year, on the loan, without causing a significant strain on their income. A home mortgage reduction has been proven to be one of the quickest ways to payoff a home loan in less time than the original loan terms. Many home title lenders are aware of this simple fact, but many don't make it clear to their borrower because the result is a significant reduction of the interest paid on the agreement.

The key element to this repayment option is the use of the simple concept of paying an extra monthly payment amount over a period of time each year. The more often an extra payment can be made will hasten the mortgage reduction even more. However, to successfully reduce the number of months that it takes to repay the home loan in full, a structured repayment schedule will keep the borrower on track. There are a growing number of mortgage marketers who have established a new business service by offering to assist borrowers by tracking their mortgage reductions repayments and auditing them, as well, to assure that the normal and extra payments are being properly applied to the loan. Their services vary somewhat, and some purport to have no fees while others have minimal fees.

As a borrower begins the process to accelerate their account balance payoff, the initial details of the mortgage are needed to establish a schedule of payments from number one through the final payment. This schedule includes the extra payment set at constant intervals throughout the loan period resulting in the mortgage reduction occurring in a significantly less number of months than the original loan. One example of a 30-year mortgage that is rescheduled reveals that one extra payment made every six months divided into three payments over the month (one normal, two half amounts) results in the loan being paid off in 17.7 years.

The interest rate, the monthly payment, the original loan amount, and the scheduled number of extra payments per year are the variables for these accelerated refinance agreements. The amount of income the borrower can spare to apply to mortgage reductions will determine the number of extra payments he or she can afford. It takes wise and determined borrowers to stick to accelerated repayment plans that will effectively get them out of debt much more quickly than those who let the extras payments slide unpaid when they have other purposes to use the money for.

Biblical advice that will motivate borrowers to stay the course and complete scheduled mortgage reductions can be drawn from Paul's encouragement to not be weary in well-doing: "for in due season we shall reap, if we faint not" (Galatians 6:9). To reap the benefits, borrowers must look forward to the reaping so they will faint not.

adopted from: http://www.hitvahot.com/2008/09/mortgage-reduction.html

Pengeluaran KWSP Untuk Mengurangkan / Menyelesaikan Baki Pinjaman Perumahan

Pengeluaran KWSP Untuk Mengurangkan / Menyelesaikan Baki Pinjaman Perumahan

Pengeluaran ini membolehkan anda mengeluarkan simpanan Akaun II anda untuk mengurangkan atau menyelesaikan baki pinjaman perumahan yang diambil daripada institusi kewangan yang dibenarkan oleh KWSP bagi tujuan membiayai pembelian atau pembinaan rumah seperti berikut:

Pembelian secara perseorangan; atau
Pembelian secara bersama dengan suami/isteri, ahli keluarga atau individu lain; atau
Membantu suami/isteri mengurang atau menyelesaikan baki pinjaman perumahan suami/isteri.
Kelayakan Memohon Anda layak memohon sekiranya anda adalah:
Ahli warganegara Malaysia; atau
Ahli warganegara Malaysia yang pernah membuat pengeluaran di bawah Pengeluaran Meninggalkan Negara Malaysia sebelum 1 Ogos 1995 dan kemudian memilih untuk mencarum semula; atau
Ahli bukan warganegara Malaysia (Ekspatriat) yang menjadi ahli KWSP sebelum 1 Ogos 1998; atau
Ahli bukan warganegara Malaysia yang mendapat status penduduk tetap Malaysia (PR); dan
Anda perlu mempunyai baki simpanan minimum sebanyak RM500 dalam Akaun II anda dan anda juga mestilah belum mencapai umur 55 tahun pada masa permohonan pengeluaran ini diterima oleh KWSP.

Lihat: Pengeluaran Meninggalkan Negara

Anda tidak layak memohon sekiranya:
Tujuan pinjaman adalah untuk:

• mengubahsuai,
  membaiki, atau
  membuat kerja tambahan kepada rumah yang sedia ada atas tujuan peribadi;
  Pinjaman adalah di dalam bentuk overdraf;
  Pinjaman dibuat daripada individu.

Jumlah Yang Boleh DikeluarkanJumlah pengeluaran minimum tidak kurang daripada RM500 dan jumlah pengeluaran maksimum tertakluk kepada semua simpanan Akaun II atau baki pinjaman perumahan, mengikut mana yang kurang.

Jenis Pengeluaran
Perseorangan / Membantu Pasangan
Bersama Suami / Isteri / Ahli Keluarga / Individu Lain
Jumlah baki pinjaman perumahan; ATAUSemua simpanan dalam Akaun II tertakluk kepada amaun pengeluaran minimum tidak kurang daripada RM500 dan jumlah baki pinjaman perumahan.
Jumlah baki pinjaman perumahan; ATAUSemua simpanan dalam Akaun II pemohon masing-masing tertakluk kepada amaun pengeluaran minimum tidak kurang daripada RM 500.00 dan jumlah baki pinjaman perumahan.
Anda juga boleh memilih untuk menentukan jumlah yang ingin dikeluarkan daripada simpanan Akaun II, tertakluk kepada amaun maksimum yang layak dikeluarkan dengan mengisi Surat Akujanji Pilihan Amaun Pengeluaran.
Kekerapan Pengeluaran Permohonan pengeluaran boleh dibuat sekali setahun daripada tarikh Pengeluaran Perumahan terakhir dan mempunyai baki simpanan dalam Akaun II dengan jumlah minimum RM500.
Pertanyaan Jika anda mempunyai sebarang kemusykilan atau memerlukan maklumat lanjut mengenai skim pengeluaran ini, sila hubungi:

Mana-mana pejabat KWSP yang berhampiran
Pusat Pengurusan Panggilan Telefon KWSP di 03-8732 6000
Sistem Pesanan Ringkas (SMS) – Taip KWSP dan hantar ke 36373

Sila nyatakan nombor keahlian KWSP atau nombor Kad Pengenalan anda dan jenis pengeluaran yang dipohon apabila berurusan dengan KWSP. Anda dinasihatkan untuk terus menghubungi KWSP untuk mendapatkan bantuan atau nasihat yang diperlukan.

Source: http://www.kwsp.gov.my/

quoted from: http://www.putraproperty.com/listing-Pengeluaran+KWSP+Untuk+Mengurangkan++Menyelesaikan+Baki+Pinjaman+Perumahan-437.html

Blood Donation Drive @ Canaan Church, KL @ 7th Sep 2008 11am-3pm

Top 10 Reasons to Give Blood

10. You will get free juice and cookies.
9. You will weigh less — one pint less when you leave than when you came in.
8. It's easy and convenient — it only takes about an hour.
7. It's something you can spare — most people have blood to spare... yet, there is still not enough to go around.
6. You will walk a little taller afterwards — you will feel good about yourself.
5. You will be helping to ensure that blood is there when you or someone close to you may need it. Most people don't think they'll ever need blood, but many do.
4. It's something you can do on equal footing with the rich and famous — blood is something money can't buy. Only something one person can give to another.
3. You will be someone's hero — you may give a newborn, a child, a mother or a father, a brother, or a sister another chance at life. In fact, you may help save up to three lives with just one donation.
2. As your blood touches people's life, your life itself will be touched.
1. It's the right thing to do.

Hope to see you on 7th Sep 11am-3pm - Give Blood, Give Life.

Canaan Church
25, Jalan 9/42, Taman Sejahtera,
Off Jalan Kuching, 51200 Kuala Lumpur.

Tel: 03-62518649, 03-62518650

Anwar vs Shabery debate - 150708

When I first heard of the LIVE debate betw Information Minister Datuk Ahmad Shabery Cheek and PKR adviser Datuk Seri Anwar Ibrahim yesterday: The one-hour debate, entitled “Today we form the Government, tomorrow the fuel prices will go down”. Anxiously I waited till 9pm, and turned on the tv. This open, live debate tells the world that we are indeed, a nation who is open to her people. I had expected the calculations and reasons from the government for the rise of 40%, why not 10% or 20%.. why the drastic 40%? But wat turned out was disappointing.

As a student, I was once trained on how to debate, professionally. We talk about the topic and facts, we do not debate on the person. To include personal attacks and self opinions in debates are definitely a no-no. The juries will deduct your points. Shabery said this, "Anwar suka mengambil kesempatan daripada kesempitan rakyat.... Saudara Anwar tak berubah seperti dahulu... " This is about Anwar, nothing about fuel. http://www.youtube.com/watch?v=z-znutDvr7Y. http://www.youtube.com/watch?v=OkliPxzoDZs&feature=related

Tan Seri Datuk Dr. Nordin Kardi ought to learn more from the professional peer sitting on his left, Datuk Johan Jaaffar. Tan Seri was invited to pose a question, and he produced a personal attack instead, "...seolah olah datuk seri seumpama seorang anak yang telah kematian bapa akan membahagi-bahagikan harta ini yang telah dikumpulkan hasil keringat orang terdahulu untuk mendapatkan keseronokan di kalangan kawan-kawan..." http://www.youtube.com/watch?v=SNJ8CHnVc9w&feature=related

Shabery also commented that the subsidy for fuel will benefit the rich, "terpaksa digunakan HANYA untuk menampung subsidi minyak yang sebahagiannya akan digunakan oleh orang orang yang sudah kaya, yang sudah mempunyai kenderaan yang besar..." Does he not realize that there are many Malaysians who rely on their transport to get to the work place, to earn a monthly salary of less than RM3000?? RM3000 a month you don't call them RICH! Please, do more researches before you speak. Are there more Ferrari, Mercedes, BMW on the street compared to Wira, Iswara, Kancil (still existing!)... motorcycles????

Many of Shabery's statements were flying statements, without facts to back up with. I may miss some of the pertinents points or understood completely different on the points being argued, so please correct me if I am wrong. The points are also listed not in any particular order.

1. Shabery compared Malaysia to Norway, a country who's "pendapatan per kapita" is ten times higher than us. (compare a cucumber to a durian...)
2. Shabery claimed tat beyond 2015 we will be net oil importer, which was not tru. Petronas actually mentioned, that if in the next 10 years we are not able to find "telaga baru"... years ago Petronas actually calculated that by 2005 we'll be experienciong oil depletion... http://www.youtube.com/watch?v=0Th-zjy9jsM&feature=related
3. Many companies, SMEs went bankrupt during 1997 economic crisis because of Anwar... due to the IPP issues.. which were actually against the then Financial Ministry's advice.
4. Shabery argued that prior to election Pakatan Rakyat promised to reduce fuel price (below RM1.92) and why now only 50 sen? To which Anwar gave a simple explanation- berperingkat (stagger). This is common sense. Say you had a depression one day, and in a months' time you ate so much, you gained 10kg of body weight! is it possible to cut down your size to what you were before in a short time? No... you had to do it one step at a time, or else it's gonna hurt your body cells...
5. Shabery stressed that the inflation faced now could not be attributed solely to fuel prices. http://thestar.com.my/news/story.asp?file=/2008/7/16/nation/21836068&sec=nation. Anwar gave a figure: in less than a month after the fuel price hike, our inflation rate actually went beyond 8%. While fuel is definitely not the sole influence to inflation, but it plays a major role - for it's the basis for transportation, commodity, etc...
6. Shabery asked if it was possible for the nation to provide more subsidies amidst rising oil price (without giving examples and figure) to which Anwar defended with, many oil experts & researches mention that there already exist a break-point - "ada kemungkinan harga minyak akan menetap dan mula menurun".
7. Shabery kept pointing that to subsidize fuel = take more money and povertizing Petronas, which was corrected by Anwar many times. The subsidizing should be done thru proper and better financial and resource management.
8. and many more... i do not have the time to analyze.

Anwar's summary:

1. As a nation tat exports oil, "harga minyak di Malaysia keterlaluan tinggi".
2. It is possible for the fuel price to stabilize and slowly go down.
3. At the current economic management, Malaysia' economy wil be much worse from before in a few months' time.

Shabery's summary:

1. Anwar has always been against Tun Razak, Mahathir, and now Abdullah Badawi; creating street protests.
2. More subsidy = "kita membenarkan ia (petronas) menjadi semakin miskin dan mungkin kita nak benarkan orang lain akan mengambil petronas suatu masa nanti."
3. Our economic growth at 6% is better than many other neighbouring countries.

So, who's talking facts and who's blahhhing? You decide. In spite of this, both speakers conducted themselves very well. They were not emotional. Congratulations. Many thanks to Agenda Daily for organizing it.

for more info:

Debate itself the winner in Anwar-Shabery duel

Anwar-Shabery debate: My two cents

LIVE: Anwar vs Shabery in the Great Oil Price Debate

Anwar Ibrahim vs Shabery Cheek

Live Debate! Anwar the Better Man!

KEPUTUSAN DEBAT : SHABERY MENANG SORAK, ANWAR MENANG FAKTA! Malaysiakini

Luke 16 : 9-12

I tell you, use worldly wealth to gain friends for yourselves, so that when it is gone, you will be welcomed into eternal dwellings.

"Whoever can be trusted with very little can also be trusted with much, and whoever is dishonest with very little will also be dishonest with much.

So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?

And if you have not been trustworthy with someone else's property, who will give you property of your own?

---

Our treasure here on Earth is nothing compared to the treasure God has reserved for us in heaven.