Recession is coming.. make your own judgment, don't panic !!
Do what is wise.
The recession looks very eminent. It is really time to take pro-active steps to avoid a painful time in the next two years which is how long the recession is expected to last.
Suggestions:
1. Don't take any loans, buy homes, properties with loans, or even cash. Keep as much cash as possible.
2. Pay off as much of personal loans, private loans, as debt collection will be hastened.
3. Sell any stocks you can even at lower prices.
4. Take money off from Trust Funds.
5. Don't believe in huge sales forecast from customers, be extremely prudent, lowest inventories, reduce liabilities.
6. Don't invest in new capital.
7. If you are selling homes/properties/cars, do it now, when you can get good prices, they are going to fall.
8. Don't invest in new business proposals.
9. Cancel holiday plans using credit cards.
10. Don't change jobs, as companies will retrench based on 'last in first out'.
Stay cool, wait, and if you took all of the above actions and more, you probably will be better off then many.
This is not a rumor. Bear Stearns is the first of many banking and financial institutions that will start falling in the not too future. If Bear Stearns can fall, so can JP Morgan, Citibank, HSBC, and the whole world.
US economy falls, the rest will crumble. India and all those self economies will be the most protected, but not gullible. Europe may be a little stronger, but not China, another giant! Malaysia will see significant impact.
OOOoooooOOOOooooOOOOooooOOOOOoOOOOOoooooOOOoooooooOOOOOooooooOOO
received this forwarded email from a friend.. i kind of see this thing coming, too.. am i a psychic? NO! it was just a hunch.. with everything going on in the world right now.. price of basic necessities going up like crazy.. who knows when it'll stop?.. natural disaster i.e. flood, tornadoes, drought and so on.. an unfortunate events i.e. political turnmoil in some of the countries.. we kind of feel that slight change after the election as well.. so, i kind of see it coming to us...
Wednesday, June 25, 2008
Sunday, June 22, 2008
a letter from heart
dear sisters,
i wrote this letter to cleared some air and expressed myself in a right way.. as you all know when i'm blasting out in rage, i tend to babbling-out and most words that came out of my mouth were like bullets.. sharp and fast.. which sometimes i regret that i did say that.. so i guess i better put in words (and in a civilized manner) of what and how my feelings towards whatever you've done.. i just felt that it is one of my obligation that i need to fulfill.. and simply because i love you all..
i know that i'm not the nicest sister you all have maybe because of our distance relationship when you were still little girls.. i'm away from home across the globe.. and that i think shaped our relationships today.. our bonds seemed a bit shaky.. you were all grew-up before my eyes blink in your own way and i wish i was there to guide you.. i'm still here to guide you.. anytime anywhere..
i wish everyone is perfect.. i still hope that, but i know it is impossible to wish the impossible thing to happen.. but the most important advice i wanted to give is.. NEVER CROSS THE LINE.. it would be difficult to turn back to the original position.. i know the life on the other side of the line seem like a happy place to be.. let say if you did cross the line.. it is like you're left stranded and thirsty in the middle of the desert.. and you thought you see an OASIS in a hot steamy day.. but the truth is THERE IS NO OASIS.. THERE IS NO WATER TO DRINK.. then only you realized what you saw from the other side of the line was all ILLUSION and NOT REAL.. i know you don't know what LINE i'm talking about... it is what we called GREY area.. like grey shades in a pie chart.. no one ever perfectly know where is the line.. but you have to clear your mind.. and make the right choice/call/judgement.. if you're in that 50-50 situation.. when you're stuck in the middle.. never do the 'unconventional' things too far.. mistakes are acceptable.. but not the BIG one.. or not SMALL one but REPETITIOUS...
to the oldest ~ please grow-up!.. i never wanted to yell and to scold you.. you are about to get married for GOD sake.. i expected you to help me out with the house chores because you are the only one i could depended on.. at least i thought so.. but you always pissed me off.. you treat the house like you're living in the hotel.. at least they have housekeeping to do chores but we never have one.. the fact is you're back at home sharp after working hours.. could you help me out a little bit since my timing to reach home is the most unpredictable one.. but still even i reached home after 10pm at night.. i still washed the dishes (both full sinks) simply because i never wanted mom to do for us.. and my eyes sores simply just by looking at them..
to the middle ~ you're my only hope.. i'm counting on you.. because we do have the same character.. but you'll do it when you feel like doing it.. i never couldn't expected it would be done on a daily basis.. especially now since you have a boyfriend.. your time seemed pre-occupied with special/prior engagement.. i know you're the smartest one in the family.. but that doesn't give you a privilege to not helping us out at home.. you're still a sister and a daughter..
to the youngest ~ you know what you did was VERY VERY 'unconventional'.. and i felt like slapping you when i discovered it in the mall when we were out together.. but i never wanted to make a SCENE right there and then.. you would felt embarrassed and ashamed of having me as you sister.. i try to refrain myself from exposing you.. aku bukan jenis yg suka bukak aib orang.. i could see disgust from your brother's face.. all three of them.. it felt like you back-stabbed us with a really sharp knife on our's back really fast and really hard.. so before you make some stupid decision to pierced somewhere on your face THINK LONG AND THINK HARD!.. you are not living alone by yourself on this earth.. you still have mom, dad and me who cares on whatever you'll do!! we're not dead yet you know! in the future, please compose yourself in a very DEEP thought process and think about people around who lives with you.. what would they say/feel when you do this or that.. DO NOT BE SELFISH!.. your friend maybe think you're so cool to do that or whatever.. but they would easily leave you when you're in trouble! i bet my word on this! clearly, you're in THE MIDDLE OF THE LINE.. 50-50 INDECISIVE on whether to go for it or not! or maybe you're already so sure to do this.. it doesn't really matter.. because YOU DID CROSSED THE LINE!!
i'm so tired both work and home.. that's one of the reason i wrote this letter to all of you.. so simply put your feet on me and mom shoes.. we are so tired being expected to be like bionic woman and do just about everything.. don't it ever occurred to you all that we needed help?.. besides, we live in the same house together.. it's not like we live in the hotel and there's nothing to do besides sleep or shower or eat.. there's house chores to do.. simple thing without me to have to yell at you to do.. i even hated to yell because of this small thingy.. it's part of your responsibilities.. as a sister and as a daughter.. if you never wanted to change.. let me tell you one thing, it is a very tough world outside.. when you're done with your studies.. if you never wanted to take responsibility on simple things like this.. then, i guess you would never have a tough skin to survive in reality world.. and people won't trust to give you something extra simply because you're simply lack of responsibility.. and plus people don't like to befriend with lazy people..
and NEVER betray the trust family's has given to us.. it's a privilege you never wanted to lose.. family will STICK with you FOR THE REST OF YOUR LIFE WHETHER YOU LIKE IT OR NOT!!
i apologize for everything harsh i said to you all.. i never meant to say those words.. i just hope you all change/grow to a BETTER/GOOD HEART person.. not change to a WORST/HEARTLESS person.. i do hope that at least you feel twitched or at least has some compassionate.. rasa belas kasihan for me and mom.. we're not getting younger you know.. if let say you don't love us.. and hate us so much!!.. think of this advice as if i'm pinching real hard to wake you up from DREAMING.. if you have a HEART you would be at least try to change yourself.. at least, proof it to me that you're capable of changing yourself.. and proof it to me that i'm so dead wrong!.. but if you don't feel anything, then probably you're an ALIEN or non-homosapien from a different planet.. and probably you're not even my sisters..
from,
-your so called evil sister who love you all so very much-
i wrote this letter to cleared some air and expressed myself in a right way.. as you all know when i'm blasting out in rage, i tend to babbling-out and most words that came out of my mouth were like bullets.. sharp and fast.. which sometimes i regret that i did say that.. so i guess i better put in words (and in a civilized manner) of what and how my feelings towards whatever you've done.. i just felt that it is one of my obligation that i need to fulfill.. and simply because i love you all..
i know that i'm not the nicest sister you all have maybe because of our distance relationship when you were still little girls.. i'm away from home across the globe.. and that i think shaped our relationships today.. our bonds seemed a bit shaky.. you were all grew-up before my eyes blink in your own way and i wish i was there to guide you.. i'm still here to guide you.. anytime anywhere..
i wish everyone is perfect.. i still hope that, but i know it is impossible to wish the impossible thing to happen.. but the most important advice i wanted to give is.. NEVER CROSS THE LINE.. it would be difficult to turn back to the original position.. i know the life on the other side of the line seem like a happy place to be.. let say if you did cross the line.. it is like you're left stranded and thirsty in the middle of the desert.. and you thought you see an OASIS in a hot steamy day.. but the truth is THERE IS NO OASIS.. THERE IS NO WATER TO DRINK.. then only you realized what you saw from the other side of the line was all ILLUSION and NOT REAL.. i know you don't know what LINE i'm talking about... it is what we called GREY area.. like grey shades in a pie chart.. no one ever perfectly know where is the line.. but you have to clear your mind.. and make the right choice/call/judgement.. if you're in that 50-50 situation.. when you're stuck in the middle.. never do the 'unconventional' things too far.. mistakes are acceptable.. but not the BIG one.. or not SMALL one but REPETITIOUS...
to the oldest ~ please grow-up!.. i never wanted to yell and to scold you.. you are about to get married for GOD sake.. i expected you to help me out with the house chores because you are the only one i could depended on.. at least i thought so.. but you always pissed me off.. you treat the house like you're living in the hotel.. at least they have housekeeping to do chores but we never have one.. the fact is you're back at home sharp after working hours.. could you help me out a little bit since my timing to reach home is the most unpredictable one.. but still even i reached home after 10pm at night.. i still washed the dishes (both full sinks) simply because i never wanted mom to do for us.. and my eyes sores simply just by looking at them..
to the middle ~ you're my only hope.. i'm counting on you.. because we do have the same character.. but you'll do it when you feel like doing it.. i never couldn't expected it would be done on a daily basis.. especially now since you have a boyfriend.. your time seemed pre-occupied with special/prior engagement.. i know you're the smartest one in the family.. but that doesn't give you a privilege to not helping us out at home.. you're still a sister and a daughter..
to the youngest ~ you know what you did was VERY VERY 'unconventional'.. and i felt like slapping you when i discovered it in the mall when we were out together.. but i never wanted to make a SCENE right there and then.. you would felt embarrassed and ashamed of having me as you sister.. i try to refrain myself from exposing you.. aku bukan jenis yg suka bukak aib orang.. i could see disgust from your brother's face.. all three of them.. it felt like you back-stabbed us with a really sharp knife on our's back really fast and really hard.. so before you make some stupid decision to pierced somewhere on your face THINK LONG AND THINK HARD!.. you are not living alone by yourself on this earth.. you still have mom, dad and me who cares on whatever you'll do!! we're not dead yet you know! in the future, please compose yourself in a very DEEP thought process and think about people around who lives with you.. what would they say/feel when you do this or that.. DO NOT BE SELFISH!.. your friend maybe think you're so cool to do that or whatever.. but they would easily leave you when you're in trouble! i bet my word on this! clearly, you're in THE MIDDLE OF THE LINE.. 50-50 INDECISIVE on whether to go for it or not! or maybe you're already so sure to do this.. it doesn't really matter.. because YOU DID CROSSED THE LINE!!
i'm so tired both work and home.. that's one of the reason i wrote this letter to all of you.. so simply put your feet on me and mom shoes.. we are so tired being expected to be like bionic woman and do just about everything.. don't it ever occurred to you all that we needed help?.. besides, we live in the same house together.. it's not like we live in the hotel and there's nothing to do besides sleep or shower or eat.. there's house chores to do.. simple thing without me to have to yell at you to do.. i even hated to yell because of this small thingy.. it's part of your responsibilities.. as a sister and as a daughter.. if you never wanted to change.. let me tell you one thing, it is a very tough world outside.. when you're done with your studies.. if you never wanted to take responsibility on simple things like this.. then, i guess you would never have a tough skin to survive in reality world.. and people won't trust to give you something extra simply because you're simply lack of responsibility.. and plus people don't like to befriend with lazy people..
and NEVER betray the trust family's has given to us.. it's a privilege you never wanted to lose.. family will STICK with you FOR THE REST OF YOUR LIFE WHETHER YOU LIKE IT OR NOT!!
i apologize for everything harsh i said to you all.. i never meant to say those words.. i just hope you all change/grow to a BETTER/GOOD HEART person.. not change to a WORST/HEARTLESS person.. i do hope that at least you feel twitched or at least has some compassionate.. rasa belas kasihan for me and mom.. we're not getting younger you know.. if let say you don't love us.. and hate us so much!!.. think of this advice as if i'm pinching real hard to wake you up from DREAMING.. if you have a HEART you would be at least try to change yourself.. at least, proof it to me that you're capable of changing yourself.. and proof it to me that i'm so dead wrong!.. but if you don't feel anything, then probably you're an ALIEN or non-homosapien from a different planet.. and probably you're not even my sisters..
from,
-your so called evil sister who love you all so very much-
Labels:
annoy thingy,
occasion,
ramblings
Saturday, June 21, 2008
i wish..




i wish i'm not here at my workstation and working.. i wish i would be :-
~ in front of the tower of pisa italy
~ sightseeing downtown of st petersburg or moscow russia
~ riding a gondola in venice
~ inside the musee du lourve paris
~ watching euro game in stadium whether in salzburg or vienna
~ on top of the great wall of china
~ in cabin lodge overlooking snowy mountain and frozen lake in kashmir
~ on a boat ride on the lake michigan chicago
~ somewhere in the middle of the prague city
~ in the university of edinburgh (simply love the campus view)
~ somewhere in the heart of tokyo city
~ picnic outing on the river bank overlooking the golden gate bridge california
~ walking down the street somewhere in christchurch or auckland new zealand
~ on top of the alps or the everest mountain
~ shopping somewhere in downtown of vancouver canada
~ in the middle of the 'gold souk' in dubai
and last but not least..
perform prayer in the masjidil haram makkatul mukarramah or masjid nabawi madinah..
aminnnn..
Labels:
happy time,
holidays
Friday, June 20, 2008
sour cream news
mom has been hospitalized since last monday.. i've been accompanied her to do her check-ups this couple of weeks.. earlier than her scheduled appointment.. so i kind of see this thing is coming.. since she already started her practical training in b@ngi.. at least for 2 weeks.. she'd been very busy and tired i guess.. that's why her asthma is getting worst.. plus she couldn't bear the long drive back and forth for 1 1/2 hour journey everyday.. she's clearly needed break and rest.. plain and simple.. so it wasn't really surprising..
then, my bro got his result the day after mom admitted.. it was pretty impressive i would say.. i never thought he could pulled it off.. well, based from the last semester result, of course.. but he did it with flying colors.. it was top and off the charts.. almost 3.0 cgpa.. he's the one who always surprised me with things.. and most of them were GOOD THINGS.. although, his looks is like one of the 'mat rempits'.. i remembered i said this to him, 'biar la muka macam mat rempit tapi hati bersih, baik and educated'.. so, i guess it is easy to talk to the 'lurus bendul' ones rather than to the 'adventurous but sneaky' ones.. plus he already got the scholarship to stay there.. despite his thought of moving to the college somewhere here..
so, that's it for now.. i'll update later..
*mom already check-out from the hospital just now.. alhamdulillah..*
then, my bro got his result the day after mom admitted.. it was pretty impressive i would say.. i never thought he could pulled it off.. well, based from the last semester result, of course.. but he did it with flying colors.. it was top and off the charts.. almost 3.0 cgpa.. he's the one who always surprised me with things.. and most of them were GOOD THINGS.. although, his looks is like one of the 'mat rempits'.. i remembered i said this to him, 'biar la muka macam mat rempit tapi hati bersih, baik and educated'.. so, i guess it is easy to talk to the 'lurus bendul' ones rather than to the 'adventurous but sneaky' ones.. plus he already got the scholarship to stay there.. despite his thought of moving to the college somewhere here..
so, that's it for now.. i'll update later..
*mom already check-out from the hospital just now.. alhamdulillah..*
Labels:
happy time,
news
Thursday, June 19, 2008
luncheon reunion
we had luncheon gathering/reunion at s3oul g@rden last weekend.. it has been months since we'd planned this occasion.. i would say it was a success.. 90% of person who'd planned to attend made themselves available on that day.. only one person couldn't make due to sickness/bad fever.. according to her, she would always fall sick after school holidays.. i would say it was due to lack of nutritions.. on the school holidays she's been working like crazy and would always skipped breakfasts and lunches.. i guess that's the major reason..
since the price of fuel has (and still) fuel-up as well, like a shooting of rocket to the moon this last couple of weeks.. i have planned not to drive.. the plan is i would go to kl on saturday and spend a night at my friend's house at @mpang.. then, we would go together the next day.. it was such a relief to be away from home once in a while (kind of evil statement.. i know..) moi met with jaja at klcc around 5pm.. we did some window shopping.. it was kind of last minute decision though.. i'm supposed to meet her at seti@wangsa.. but i thought, it's been months since my last visit.. so what the heck.. sambil menyelam minum air.. i don't know when i'll be in kl after this..
FYI i had been 'fasting' from shopping probably started 2-3 months back.. last thing i bought was a blouse from t0psh0p.. it was on 50% sale.. i had planned to buy that blouse since first laid eyes on it.. if it goes on sale.. and it did.. i'm so happy to made the purchase that day.. i even found out recently the price had been marked down further.. well, maybe the blouse was too decent.. i guess people would go for sleeveless or short sleeve version..
so, back to the luncheon story.. by 1pm everyone who had submitted their's name to come has showed up.. mostly took the train.. it's easier and convenient since some of us were not familiar with the place.. we had 2 separate line-up of tables.. 1st group who came in early consists of moi, jaja, amy's family and matun's family.. azfa joined moi and jaja later since she'd came alone.. 2nd group consists of mimi's family, iffah's family and kak emi.. there was one hiccup, i would say.. the waiter refuse to fire-up the stove because there's only 2 person on that table, kak emi and her brother who'd came in late than everyone else... i guess the waiter expected the two of them to join the rest of us.. because we had about 4 other spaces on each table which is seated for 4..
1) emi's family of 3, 1 child - 1 space
2) moi, jaja and azfa - 1 space
3) matun's family of 5 - no space
4) mimi's family of 3, 1 child - 1 space
5) iffah's family of 3, 1 child - 1 space
6) kak emi and bro, 2 persons
i guess i understand the reason why.. but the thing is the table was not separated even from us.. it was just next to each others and line-up together.. and the restaurant was not even packed with people at that time.. if 'bulan puasa' maybe la we would consider.. and what about a couple then?.. would they refuse to fire up the stove too? luckily, azfa and iffah had done a good job fighting for this.. even spoke with the manager on the phone.. there was no manager on duty at that time.. they depended solely on the workers who are not even local and expected to maintain the profit.. not forget to mention rude manners towards us all.. goshh.. tak paham gue.. so, in the end problem solved after fully forced and determination from azfa and iffah.. thanks and good job you guys..
all in all, managed to catch-up with everyone.. emi yg dalam dilema whether to further study or to follow husband relocate to s'p0re.. matun the housewife.. mimi, jaja and moi are kind of in the same boat.... bosan dgn keje.. azfa, yg same-0 same-0.. working with dad, nak kisah apa.. iffah, the dedicated gov servant.. kak emi, kaki yg bertambah sakit due to accident in past years.. and still bertahan ulang alik keje kat kl..
enjoy seeing you all and hoping that we will meet again in the near future.. including outstation people.. especially chem in taiping (the pity sick lady) and dayah in sg petani (the always with reason).. priority to meet both of you, since you guys are still single.. until next time..
since the price of fuel has (and still) fuel-up as well, like a shooting of rocket to the moon this last couple of weeks.. i have planned not to drive.. the plan is i would go to kl on saturday and spend a night at my friend's house at @mpang.. then, we would go together the next day.. it was such a relief to be away from home once in a while (kind of evil statement.. i know..) moi met with jaja at klcc around 5pm.. we did some window shopping.. it was kind of last minute decision though.. i'm supposed to meet her at seti@wangsa.. but i thought, it's been months since my last visit.. so what the heck.. sambil menyelam minum air.. i don't know when i'll be in kl after this..
FYI i had been 'fasting' from shopping probably started 2-3 months back.. last thing i bought was a blouse from t0psh0p.. it was on 50% sale.. i had planned to buy that blouse since first laid eyes on it.. if it goes on sale.. and it did.. i'm so happy to made the purchase that day.. i even found out recently the price had been marked down further.. well, maybe the blouse was too decent.. i guess people would go for sleeveless or short sleeve version..
so, back to the luncheon story.. by 1pm everyone who had submitted their's name to come has showed up.. mostly took the train.. it's easier and convenient since some of us were not familiar with the place.. we had 2 separate line-up of tables.. 1st group who came in early consists of moi, jaja, amy's family and matun's family.. azfa joined moi and jaja later since she'd came alone.. 2nd group consists of mimi's family, iffah's family and kak emi.. there was one hiccup, i would say.. the waiter refuse to fire-up the stove because there's only 2 person on that table, kak emi and her brother who'd came in late than everyone else... i guess the waiter expected the two of them to join the rest of us.. because we had about 4 other spaces on each table which is seated for 4..
1) emi's family of 3, 1 child - 1 space
2) moi, jaja and azfa - 1 space
3) matun's family of 5 - no space
4) mimi's family of 3, 1 child - 1 space
5) iffah's family of 3, 1 child - 1 space
6) kak emi and bro, 2 persons
i guess i understand the reason why.. but the thing is the table was not separated even from us.. it was just next to each others and line-up together.. and the restaurant was not even packed with people at that time.. if 'bulan puasa' maybe la we would consider.. and what about a couple then?.. would they refuse to fire up the stove too? luckily, azfa and iffah had done a good job fighting for this.. even spoke with the manager on the phone.. there was no manager on duty at that time.. they depended solely on the workers who are not even local and expected to maintain the profit.. not forget to mention rude manners towards us all.. goshh.. tak paham gue.. so, in the end problem solved after fully forced and determination from azfa and iffah.. thanks and good job you guys..
all in all, managed to catch-up with everyone.. emi yg dalam dilema whether to further study or to follow husband relocate to s'p0re.. matun the housewife.. mimi, jaja and moi are kind of in the same boat.... bosan dgn keje.. azfa, yg same-0 same-0.. working with dad, nak kisah apa.. iffah, the dedicated gov servant.. kak emi, kaki yg bertambah sakit due to accident in past years.. and still bertahan ulang alik keje kat kl..
enjoy seeing you all and hoping that we will meet again in the near future.. including outstation people.. especially chem in taiping (the pity sick lady) and dayah in sg petani (the always with reason).. priority to meet both of you, since you guys are still single.. until next time..
Labels:
hang out,
happy time,
makan2,
occasion
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