Ah Beng - NEW STUFF
********************
Ah Beng bought a new mobile.
He sent a message to everyone from his Phone Book & said,
'My Mobile No. Has changed.
Earlier it was Nokia 3310. Now it is 6610'
====================================
Ah Beng : I am a Proud, coz my son is in Medical College .
Friend: Really, what is he studying.
Ah Beng: No, he is not studying, they are Studying him.
==========================================
Ah Beng : Doctor, in my dreams, I play football every night.
DR: Take this tablet, you will be ok.
Ah Beng : Can I take tomorrow, tonight is final game.
===========================================
Ah Beng : If I die, will u remarry?
Wife: No! I'll stay with my sister.. But if I die will u remarry?
Ah Beng : No, I'll also stay with your sister.
=========================================
Ah Beng : People consider me as a 'GOD'
Wife: How do you know??
Ah Beng : When I went to the Park today, everybody said,
Oh GOD! U have come again.
===========================================
Ah Beng complained to the police: 'Sir, all items are missing,
except the TV in my house.'
Police: 'How the thief did not take TV?'
Ah Beng : 'I was watching TV news...'
=========================================
Ah Beng comes back 2 his car & find a note saying 'Parking Fine'
He Writes a note and sticks it to a pole 'Thanks for complement.'
=============================================
How do you recognize Ah Beng in School?
He is the one who erases the notes from the book when the teacher erases
the board.
===============================================
Once Ah Beng was walking he had a glove on one hand and not on other.
So the man asked him why he did so. He replied that the weather forecast
announced that on one hand it would be cold and on the other hand it would
be hot.
==================================================
Ah Beng in a bar and his cellular phone rings. He picks it up and
Says 'Hello, how did you know I was here?'
===================================================
Ah Beng : Why are all these people running?
Man - This is a race, the winner will get the cup
Ah Beng - If only the winner will get the cup, why others running?
===================================================
Teacher: 'I killed a person' convert this sentence into future tense
Ah Beng : The future tense is 'u will go to jail'
=====================================================
Ah Beng told his servant: 'Go and water the plants!'
Servant: 'It's already raining.'
Ah Beng : 'So what? Take an umbrella and go.'
=====================================================
A man asked Ah Beng why Ahmad Badawi goes walking in the Evening and not
in the morning Ah Beng replied Ahmad Badawi is PM not AM
Wednesday, April 1, 2009
Tuesday, March 31, 2009
Good Tips
1.吃了辣的东西，感觉就要被辣死了，就往嘴里放上少许盐，含一下，吐掉，漱下口，就不辣了；
2.牙齿黄，可以把花生嚼碎后含在嘴里，并刷牙三分钟，很有效；
3.若有小面积皮肤损伤或者烧伤、烫伤，抹上少许牙膏，可立即止血止痛；
4.经常装茶的杯子里面留下难看的茶渍，用牙膏洗之，非常干净；
5.仰头点眼药水时微微张嘴，这样眼睛就不会乱眨了；
6.嘴里有溃疡，就用维生素C贴在溃疡处，等它溶化后溃疡基本就好了；
7.眼睛进了小灰尘，闭上眼睛用力咳嗽几下，灰尘就会自己出来；
8.洗完脸后，用手指沾些细盐在鼻头两侧轻轻按摩，然后再用清水冲洗，黑头和粉刺就会清除干净，毛细孔也会变小；
9.刚刚被蚊子咬完时，涂上肥皂就不会痒了
10.如果嗓子、牙龈发炎了，在晚上把西瓜切成小块，沾着盐吃，记得一定要是晚上，当时症状就会减轻，第二天就好了；
11.吹风机对着标签吹，等吹到商标的胶热了，就可以很容易的把标签撕下来；
12.旅行带衣服时如果怕压起褶皱，可以把每件衣服都卷成卷；
13.打打嗝时就喝点醋，立杆见影；
14.吃了有异味的东西，如大蒜、臭豆腐，吃几颗花生米就好了；
15.治疗咳嗽，特别是干咳，晚上睡觉前，用纯芝麻香油煎鸡蛋，油放稍多些，什么调味料都不要放，趁热吃过就去睡觉，连吃几天效果很明显；
16.手腕长粗的MM想带较细的手镯，就不能硬带，应把手上套上一个塑料袋再带上手镯，非常好带，也不会把手弄疼，取下也是同样的方法；
17.栗子皮难剥，先把外壳剥掉，再把它放进微波炉转一下，拿出后趁热一搓，皮就掉了；
18.插花时，在水里滴上一滴洗洁精，可以维持好几天；
19.把核桃放进锅里蒸十分钟，取出放在凉水里再砸开，就能取出完整的桃核仁了；
20.把虾仁放进碗里，加一点精盐、食用碱粉，用手抓搓一会儿后用清水浸泡，然后再用清水冲洗，即能使炒出的虾仁透明如水晶，爽嫩可口；
21.炒肉时，先把肉用小苏打水浸泡十几分钟，倒掉水，再入味，炒出来会很嫩滑；
22.将残茶叶浸入水中数天后，浇在植物根部，可促进植物生长；
23.把残茶叶晒干，放到厕所或者沟渠里燃熏，可消除恶臭，具有驱除蚊子苍蝇的功能；
24.夹生饭重煮法：可用筷子在饭内扎些直通锅底的孔，洒入少许黄酒重焖，
25.若只表面夹生，只要将表层翻到中间再焖即可；
26.巧除纱窗油腻：将洗衣服、吸烟剩下的烟头一起放在水里，待溶解后，拿来擦玻璃窗、纱窗，效果真不错；
27. 皮鞋皮包放久了发霉时，可用软布蘸酒精加水（1：1）溶液擦拭即可；
28.桌子、瓶子表面的不干胶痕迹用风油精可以擦拭；
29. 出门时随时在包里带一节小的干电池，若裙子带静电，就把电池的正极在裙子上面擦几下即可去掉静电；
30. 不管是鞋子的哪个地方磨到了你的脚，你就在鞋子磨脚的地方涂一点点白酒，保证就不磨脚了；
31.亨调蔬菜时，如果必须要焯，焯好菜的水最好尽量利用。如做水饺的菜，焯好的水可适量放在肉馅里，这样既保证营养，又使水饺馅味美有汤；
32.夏天足部容易出汗，每天用淡盐水泡脚可有效应对汗脚；
33.夏天游泳后晒晒太阳，可防肌肤劳损等疾病发生；
34.夏天枕头易受潮滋生霉菌，时常曝晒枕芯有利健康；
35.多吃薏米小豆粥等潮湿健脾，可防暑湿；
36.防失眠：睡前少讲太多话，忌饮浓茶，睡前勿大用脑，可用热水加醋洗脚；
37.金银花有疏散风湿功效，金银花水煎取汁凉后与蜂蜜冲调可解暑；
38.吃过于肥腻的食物后喝茶，能刺激自律神经，促进脂肪代谢；
39.睡眠不足会变笨，一天需要睡眠八小时，有午睡习惯可延缓衰老；
40.双手易变得干燥粗糙，用醋泡手十分钟可护肤；
41.夏天擦拭凉席，用滴加了花露水的清水擦拭凉席，可使凉席保持清爽洁净。当然，擦拭时最好沿着凉席纹路进行，以便花露水渗透到凉席的纹路缝隙，这样清凉舒适的感觉会更持久；
42.早餐多食西红柿、柠檬酸等酸性蔬菜和水果，有益于养肝；
43.爽身止痒洗头或洗澡时，在水中加五六滴花露水，能起到很好的清凉除菌、祛痱止痒作用；
44.葡萄含有睡眠辅助激素，常食有助睡眠；
45.夏天多喝番茄汤既可获得养料，又能补充水分，番茄汤应烧好并冷却后再喝，所含番茄红素有一定的抗前列腺癌和保护心肌的功效，最适合于男子；吃酸性物质马上刷牙会损害牙齿健康；
46.因外伤碰破皮肉时，在伤处涂上牙膏进行消炎、止血，再包扎，作为临时急救药，以药物牙膏效果最为显著；
47.将白醋喷洒在菜板上，放上半小时后再洗，不但能杀菌，还能除味；
48.喝酸奶能解酒后烦躁，酸奶能保护胃黏膜、延缓酒精吸收，并且含钙丰富，对缓解酒后烦躁尤其有效；
49. 加酶洗衣粉剂放在温水中需要较长的分解时间才能使洗衣效果更佳；
50. 发生头痛、头晕时，可在太阳穴涂上牙膏，因为牙膏含有薄荷脑、丁香油可镇痛；
51.蜡烛冷冻二十四小时后，再插到生日蛋糕上，点燃时不会流下烛油；
52. 每天早晨用豆腐摩擦面部几分钟，坚持一个月，面部会变得很滋润；
53.过多食用生葱蒜会刺激口腔肠胃, 不利健康，最好加一点醋再食用；
54.及时补充水分但应少喝果汁、可乐、雪碧、汽水等饮料，含有较多的糖精和电解质，喝多了会对肠胃产生不良刺激，影响消化和食欲。因此夏天> 应多喝白开水或淡盐（糖）水；
2.牙齿黄，可以把花生嚼碎后含在嘴里，并刷牙三分钟，很有效；
3.若有小面积皮肤损伤或者烧伤、烫伤，抹上少许牙膏，可立即止血止痛；
4.经常装茶的杯子里面留下难看的茶渍，用牙膏洗之，非常干净；
5.仰头点眼药水时微微张嘴，这样眼睛就不会乱眨了；
6.嘴里有溃疡，就用维生素C贴在溃疡处，等它溶化后溃疡基本就好了；
7.眼睛进了小灰尘，闭上眼睛用力咳嗽几下，灰尘就会自己出来；
8.洗完脸后，用手指沾些细盐在鼻头两侧轻轻按摩，然后再用清水冲洗，黑头和粉刺就会清除干净，毛细孔也会变小；
9.刚刚被蚊子咬完时，涂上肥皂就不会痒了
10.如果嗓子、牙龈发炎了，在晚上把西瓜切成小块，沾着盐吃，记得一定要是晚上，当时症状就会减轻，第二天就好了；
11.吹风机对着标签吹，等吹到商标的胶热了，就可以很容易的把标签撕下来；
12.旅行带衣服时如果怕压起褶皱，可以把每件衣服都卷成卷；
13.打打嗝时就喝点醋，立杆见影；
14.吃了有异味的东西，如大蒜、臭豆腐，吃几颗花生米就好了；
15.治疗咳嗽，特别是干咳，晚上睡觉前，用纯芝麻香油煎鸡蛋，油放稍多些，什么调味料都不要放，趁热吃过就去睡觉，连吃几天效果很明显；
16.手腕长粗的MM想带较细的手镯，就不能硬带，应把手上套上一个塑料袋再带上手镯，非常好带，也不会把手弄疼，取下也是同样的方法；
17.栗子皮难剥，先把外壳剥掉，再把它放进微波炉转一下，拿出后趁热一搓，皮就掉了；
18.插花时，在水里滴上一滴洗洁精，可以维持好几天；
19.把核桃放进锅里蒸十分钟，取出放在凉水里再砸开，就能取出完整的桃核仁了；
20.把虾仁放进碗里，加一点精盐、食用碱粉，用手抓搓一会儿后用清水浸泡，然后再用清水冲洗，即能使炒出的虾仁透明如水晶，爽嫩可口；
21.炒肉时，先把肉用小苏打水浸泡十几分钟，倒掉水，再入味，炒出来会很嫩滑；
22.将残茶叶浸入水中数天后，浇在植物根部，可促进植物生长；
23.把残茶叶晒干，放到厕所或者沟渠里燃熏，可消除恶臭，具有驱除蚊子苍蝇的功能；
24.夹生饭重煮法：可用筷子在饭内扎些直通锅底的孔，洒入少许黄酒重焖，
25.若只表面夹生，只要将表层翻到中间再焖即可；
26.巧除纱窗油腻：将洗衣服、吸烟剩下的烟头一起放在水里，待溶解后，拿来擦玻璃窗、纱窗，效果真不错；
27. 皮鞋皮包放久了发霉时，可用软布蘸酒精加水（1：1）溶液擦拭即可；
28.桌子、瓶子表面的不干胶痕迹用风油精可以擦拭；
29. 出门时随时在包里带一节小的干电池，若裙子带静电，就把电池的正极在裙子上面擦几下即可去掉静电；
30. 不管是鞋子的哪个地方磨到了你的脚，你就在鞋子磨脚的地方涂一点点白酒，保证就不磨脚了；
31.亨调蔬菜时，如果必须要焯，焯好菜的水最好尽量利用。如做水饺的菜，焯好的水可适量放在肉馅里，这样既保证营养，又使水饺馅味美有汤；
32.夏天足部容易出汗，每天用淡盐水泡脚可有效应对汗脚；
33.夏天游泳后晒晒太阳，可防肌肤劳损等疾病发生；
34.夏天枕头易受潮滋生霉菌，时常曝晒枕芯有利健康；
35.多吃薏米小豆粥等潮湿健脾，可防暑湿；
36.防失眠：睡前少讲太多话，忌饮浓茶，睡前勿大用脑，可用热水加醋洗脚；
37.金银花有疏散风湿功效，金银花水煎取汁凉后与蜂蜜冲调可解暑；
38.吃过于肥腻的食物后喝茶，能刺激自律神经，促进脂肪代谢；
39.睡眠不足会变笨，一天需要睡眠八小时，有午睡习惯可延缓衰老；
40.双手易变得干燥粗糙，用醋泡手十分钟可护肤；
41.夏天擦拭凉席，用滴加了花露水的清水擦拭凉席，可使凉席保持清爽洁净。当然，擦拭时最好沿着凉席纹路进行，以便花露水渗透到凉席的纹路缝隙，这样清凉舒适的感觉会更持久；
42.早餐多食西红柿、柠檬酸等酸性蔬菜和水果，有益于养肝；
43.爽身止痒洗头或洗澡时，在水中加五六滴花露水，能起到很好的清凉除菌、祛痱止痒作用；
44.葡萄含有睡眠辅助激素，常食有助睡眠；
45.夏天多喝番茄汤既可获得养料，又能补充水分，番茄汤应烧好并冷却后再喝，所含番茄红素有一定的抗前列腺癌和保护心肌的功效，最适合于男子；吃酸性物质马上刷牙会损害牙齿健康；
46.因外伤碰破皮肉时，在伤处涂上牙膏进行消炎、止血，再包扎，作为临时急救药，以药物牙膏效果最为显著；
47.将白醋喷洒在菜板上，放上半小时后再洗，不但能杀菌，还能除味；
48.喝酸奶能解酒后烦躁，酸奶能保护胃黏膜、延缓酒精吸收，并且含钙丰富，对缓解酒后烦躁尤其有效；
49. 加酶洗衣粉剂放在温水中需要较长的分解时间才能使洗衣效果更佳；
50. 发生头痛、头晕时，可在太阳穴涂上牙膏，因为牙膏含有薄荷脑、丁香油可镇痛；
51.蜡烛冷冻二十四小时后，再插到生日蛋糕上，点燃时不会流下烛油；
52. 每天早晨用豆腐摩擦面部几分钟，坚持一个月，面部会变得很滋润；
53.过多食用生葱蒜会刺激口腔肠胃, 不利健康，最好加一点醋再食用；
54.及时补充水分但应少喝果汁、可乐、雪碧、汽水等饮料，含有较多的糖精和电解质，喝多了会对肠胃产生不良刺激，影响消化和食欲。因此夏天> 应多喝白开水或淡盐（糖）水；
Saturday, February 7, 2009
My Joyous Chinese New Year 2009
Gong Xi Fa Cai people!!!
Yup! It's Chinese New Year 2009!
This year CNY fell on 26 & 27 Jan, now it is the 13th day, so it will soon past.. We, chinese, celebrate CNY for 15 days and on the last day, it is called the Chap Goh Meh..
On the 1st day, everyone was at home, including my sis Sharon. We had fun playing cards, it was a yearly routine that's filled with laughter and FUN! We spent close to 4 hours glued to the table! haha.. Next up, we had an impromptu session --photo-snapping session! To me, that was the most memorable moment through-out my CNY. Check out the photos taken..
When we went back to my parents' place, my sis Irene brought back her home-made cookies which were really good, so many types as well, and she also baked a few types of cakes. My sis in law didn't want to be left out, also attempted 2 types of cookies. There were just plenty of goodies at home!
As for myself, I baked 3 types of cookies for the first time, and it was a success! Yippeee! I am so proud of myself as I've made them from scratch, i.e I cooked the pineapple jam myself, I fried the peanuts and blend them myself! It was all hard work and lots of time involved.. days to be exact.
Here are my cookies:
Pineapple Tarts
Peanut Cookies
London Almond Cookies
That was my CNY, spent with my family in a snippet.. I thoroughly enjoyed it, it was indeed a very memorable one.
Shall update more of it, stay tuned.
Friday, November 14, 2008
Simple Tips on Household Chores
Ants Problem: Keep the skin of cucumbers near the place or ant hole.
To get pure and clean ice: Boil water first before freezing.
To make the mirror shine: Clean with spirit.
To remove chewing gum from clothes: Keep the cloth in the freezer for an hour.
To whiten white clothes: Soak white clothes in hot water with a slice of lemon for 10 minutes.
To give a shine to hair: Add one teaspoon of vinegar to hair, then wash hair.
To get maximum juice out of lemons: Soak lemons in hot water for one hour, and then juice them.
To avoid smell of cabbage while cooking: Keep a piece of bread on the cabbage in the vessel while cooking.
To rid the smell of fish from your hands: Wash your hands with a little apple vinegar.
To avoid tears while cutting onions: Chew gum.
To boil potatoes quickly: Skin one potato from one side only before boiling.
To boil eggs quickly: Add salt to the water and boil.
To check freshness of fish: Put it in a bowl of cold water. If the fish floats, its fresh.
To check freshness of eggs: Put the egg in water. If it becomes horizontal, its fresh. If it becomes slanting, its 3-4 days old. If it becomes vertical, its 10 days old. If it floats, its stale.
To remove ink from clothes: Put toothpaste on the ink spots generously and let it dry completely, then wash.
To skin sweet potatoes quickly: Soak in cold water immediately after boiling.
To get rid of mice or rats: Sprinkle black pepper in places where you find mice or rats. They will run away.
To get rid of mosquitoes at night: Keep leaves of mint near your bed or pillows and in around the room.
To get pure and clean ice: Boil water first before freezing.
To make the mirror shine: Clean with spirit.
To remove chewing gum from clothes: Keep the cloth in the freezer for an hour.
To whiten white clothes: Soak white clothes in hot water with a slice of lemon for 10 minutes.
To give a shine to hair: Add one teaspoon of vinegar to hair, then wash hair.
To get maximum juice out of lemons: Soak lemons in hot water for one hour, and then juice them.
To avoid smell of cabbage while cooking: Keep a piece of bread on the cabbage in the vessel while cooking.
To rid the smell of fish from your hands: Wash your hands with a little apple vinegar.
To avoid tears while cutting onions: Chew gum.
To boil potatoes quickly: Skin one potato from one side only before boiling.
To boil eggs quickly: Add salt to the water and boil.
To check freshness of fish: Put it in a bowl of cold water. If the fish floats, its fresh.
To check freshness of eggs: Put the egg in water. If it becomes horizontal, its fresh. If it becomes slanting, its 3-4 days old. If it becomes vertical, its 10 days old. If it floats, its stale.
To remove ink from clothes: Put toothpaste on the ink spots generously and let it dry completely, then wash.
To skin sweet potatoes quickly: Soak in cold water immediately after boiling.
To get rid of mice or rats: Sprinkle black pepper in places where you find mice or rats. They will run away.
To get rid of mosquitoes at night: Keep leaves of mint near your bed or pillows and in around the room.
Time Value of Money- PV & FV
Let's talk Time Value of Money (TVM).
What is it really?? what does it mean??
Everytime when you buy something or make some financial decisions, you should consider the time value of money.
I'm just going to show some examples on this concept of time value of money. Note the followings:
Principal - sum of money initially saved or invested;
Interest - monetary return from the investment.
What is it really?? what does it mean??
Everytime when you buy something or make some financial decisions, you should consider the time value of money.
TVM is based on the concept that a ringgit you own today is worth more than a ringgit that you will receive in the future.. Because the money you hold today, you can invest it and earn interest. After all, you should receive some compensation for foregoing spending.
For instance, you can invest your ringgit for one year at a 10% annual interest rate and accummulate RM1.10 at the end of the year. You can say that the future value of the ringgit is RM1.10 given a 10% interest rate and a one-year period. It follows that the present value of the RM1.10 you expect to receive in one year is only RM1.I'm just going to show some examples on this concept of time value of money. Note the followings:
Principal - sum of money initially saved or invested;
Interest - monetary return from the investment.
Interest = Principal (P) x Rate of Interest (I) x Time or period (N)
~~~~~~~~
e.g 1: What is the future value after 5 years for a principal of RM10,000 at 6%interest compounded annually? PV= 10,000 ; i=0.06 ; n= 5
answer: FV= 10,000(1+.06) to the power of 5 =10,000 (1.3382255776 ) = 13,382.26
~~~~~~~~
Similarly, we can count backward to get the Present value (PV), if we are given the Future Value (FV), Interest (i) and Time (n).
e.g 2: You want to have total savings of RM20,000 in 20 years. Your annual interest rate is 6%, compounded yearly. How much principal must be invested now?
FV= 20,000 ; n=20 ; i = 6%
answer: PV = 6,236 (I just use my financial calculator, so no workings shown)
~~~~~~~~
These are just part of TVM computation, i.e. Single Sum models. Now we know that with every ringgit we spend now, there is a cost to it. You are losing out on the interest or return, should you not spend it, instead you saved it or invested it.
So folks, better spend wisely eh??
Intelligence Test
Below are four (4) questions and a bonus question. You have to answer them instantly. You can't take your time, answer all of them immediately. Let's find out just how clever you really are. 下列有四個問題及一個加分題，你必須立刻回答，不能花時間慢慢想，讓我們看看你有多聰明。準備好，向下捲！
First Question： 第一題 You are participating in a race. You overtake the second place person. What position are you in? 你參加賽跑，追過第 2 名，你是第幾名？
Answer： If you answered that you are first, then you are wrong! If you overtake the second place person, and you take their place, you are second!
解答： 如果你的回答是第 1 名，你就錯了！你如果追過第 2名，你只是取代那人的位置，你是第 2 名。
To answer the second question, don't take as much time as you took for the first question. 回答第 2 題，你不能使用與回答第 1 題相同的時間。
Second Question ： 第二題 If you are in a race, and you overtake the last person, then you are? 你參加賽跑，你追過最後一名，你是第幾名？
Answer ： If you answered that you are second to last, then you are wrong again. Tell me, how can you overtake the LAST person?! You're not having a good time at this! Are you?
解答： 如果你的回答是倒數第 2 名，你又錯了！告訴我，你怎能追過最後一名？顯然你並未樂在其中！
Very tricky maths! Note: This must be done in your head only. Do NOT use paper and pencil or a calculator. Try it. 很詭異的算術！這只能在腦中盤算。不要使用紙與筆或計算機，試試看。
Third Question： 第三題Take 1000 and add 40 to it. Now add another 1000. Now add 30. Add another 1000. Now add 20. Now add another 1000. now add 10. What is the total?
以 1000 加上 40 ，再加 1000 ，再加 30 ，再加 1000 ，現在加上 20 ，再加一次 1000 ，現在加上 10 ，總數是什麼？
Answer ： Did you get 5000? The correct answer is actually 4100. Don't believe it? Check with your calculator! 解答： 得到 5000 是嗎？正確答案是 4100 ，不相信，用計算機查證吧！
Today is definitely not your day. Maybe you will get the last question right? 今天對你鐵定諸事不宜，或許最後一題你會對？
Fourth Question： 第四題 Mary's father has five daughters: 1. Nana, 2. Nene, 3. Nini, 4. Nono. What is the name of the fifth daughter? Mary 的父親有 5 個女兒，第 1 個女兒 Nana ， 第 2 個女兒 Nene ， 第 3個女兒 Nini ，第 4 個女兒 Nono ，第 5 個女兒的名字是什麼？
Answer ： Nunu? NO! Of course not. Her name is Mary. Read the question again!
解答： 答案是 Nunu 嗎？不！絕對不是，她的名字是 Mary ，請再讀一次問題！
Okay, now the bonus round. You can partially redeem yourself with this one ！ 好，現在是加分題。這題可稍稍解救﹝彌補﹞你！
Bonus Question 加分題 : There is a mute person who wants to buy a toothbrush. By imitating the action of brushing one's teeth he successfully expresses himself to the shopkeeper and the purchase is done. Now if there is a blind man who wishes to buy a pair of sunglasses, how should he express himself? 一個啞巴想買牙刷，他模仿刷牙的動作，成功的向店主表達，也完成了購買。現在如果一個瞎子想買一副太陽眼鏡，他要如何表達？
Answer ： He just has to open his mouth and ask. He's blind, not mute - so simple.
解答： 他只要張開嘴問即可。他是瞎子，不是啞巴。就這麼簡單！
First Question： 第一題 You are participating in a race. You overtake the second place person. What position are you in? 你參加賽跑，追過第 2 名，你是第幾名？
Answer： If you answered that you are first, then you are wrong! If you overtake the second place person, and you take their place, you are second!
解答： 如果你的回答是第 1 名，你就錯了！你如果追過第 2名，你只是取代那人的位置，你是第 2 名。
To answer the second question, don't take as much time as you took for the first question. 回答第 2 題，你不能使用與回答第 1 題相同的時間。
Second Question ： 第二題 If you are in a race, and you overtake the last person, then you are? 你參加賽跑，你追過最後一名，你是第幾名？
Answer ： If you answered that you are second to last, then you are wrong again. Tell me, how can you overtake the LAST person?! You're not having a good time at this! Are you?
解答： 如果你的回答是倒數第 2 名，你又錯了！告訴我，你怎能追過最後一名？顯然你並未樂在其中！
Very tricky maths! Note: This must be done in your head only. Do NOT use paper and pencil or a calculator. Try it. 很詭異的算術！這只能在腦中盤算。不要使用紙與筆或計算機，試試看。
Third Question： 第三題Take 1000 and add 40 to it. Now add another 1000. Now add 30. Add another 1000. Now add 20. Now add another 1000. now add 10. What is the total?
以 1000 加上 40 ，再加 1000 ，再加 30 ，再加 1000 ，現在加上 20 ，再加一次 1000 ，現在加上 10 ，總數是什麼？
Answer ： Did you get 5000? The correct answer is actually 4100. Don't believe it? Check with your calculator! 解答： 得到 5000 是嗎？正確答案是 4100 ，不相信，用計算機查證吧！
Today is definitely not your day. Maybe you will get the last question right? 今天對你鐵定諸事不宜，或許最後一題你會對？
Fourth Question： 第四題 Mary's father has five daughters: 1. Nana, 2. Nene, 3. Nini, 4. Nono. What is the name of the fifth daughter? Mary 的父親有 5 個女兒，第 1 個女兒 Nana ， 第 2 個女兒 Nene ， 第 3個女兒 Nini ，第 4 個女兒 Nono ，第 5 個女兒的名字是什麼？
Answer ： Nunu? NO! Of course not. Her name is Mary. Read the question again!
解答： 答案是 Nunu 嗎？不！絕對不是，她的名字是 Mary ，請再讀一次問題！
Okay, now the bonus round. You can partially redeem yourself with this one ！ 好，現在是加分題。這題可稍稍解救﹝彌補﹞你！
Bonus Question 加分題 : There is a mute person who wants to buy a toothbrush. By imitating the action of brushing one's teeth he successfully expresses himself to the shopkeeper and the purchase is done. Now if there is a blind man who wishes to buy a pair of sunglasses, how should he express himself? 一個啞巴想買牙刷，他模仿刷牙的動作，成功的向店主表達，也完成了購買。現在如果一個瞎子想買一副太陽眼鏡，他要如何表達？
Answer ： He just has to open his mouth and ask. He's blind, not mute - so simple.
解答： 他只要張開嘴問即可。他是瞎子，不是啞巴。就這麼簡單！
Tuesday, November 11, 2008
Can You Retire? When?
We often hear people saying, "I don't wanna work anymore, I am tired of working!" or "I wish I can retire and enjoy life now!" etc...
The funny thing is, we just wanna retire... without thinking how or when or what we are going to do when we retire. *wink wink*
Look at this.
This article was taken from NST sometime ago, it says that the current trend is:
1) People are living longer - life expectancy for women is 76 and men 72.
2) They are marrying and having children later. At retirement age, children are still in school or university.
3) 70% of retirees use up ALL their EPF money within 3 years after retiring.
It also states that at an Inflation rate of 6%, RM500,000 in your EPF or bank account at retirement may have the purchasing power of RM145,053 in 20 years.
Now, the Inflation rate NO longer stands at 6%.
In Sept 08, our published Inflation rate was at 8.2%!
That means your money is shrinking faster that you expect, and any money in the FD account is giving you a NEGATIVE growth of 5%! So, whatever you are trying so hard to save for old age, will not be able to provide for you to sustain your lifestyle when you retire.
Oh, let's not forget about Medical costs inflation.. it is 15% each year...
As surveyed, most Malaysians DO NOT have financial security when they retire... some people put off retirement plan until it is too near retirement. Ideally, as I learnt from my CFP class, one should apply the 20-20 Rule when you plan for retirement. For e.g. if you plan to retire at 55, you should start your Retirement plan at age 35, and reap the investment harvest at 55, so that you can enjoy for another 20 years.. before you 'migrate'.
How much should we have when we retire?
Well, it's really differs from one another, but don't we all want to enjoy ourselves when we retire?? Travel around the world? Play golf everyday? Drive a nice big car? Stay in a comfortable big bungalow? or able to do some charity? etc.. etc..
So how to achieve all that?
1) Ask yourself - how much do you want to have when you retire, think of a number.
2) Look at your financial status now - how much do you have?
3) Start a Retirement Plan NOW!
It's never to early to start, the earlier you start, the better off you are.. Set aside some money EVERY month to do regular INVESTMENT, not FD la.. told you FD will not give you a positive growth, but you can keep some money for emergency use la..
If you can, put 30% of your income into investment account like Unit Trust, which is being managed professionally by Fund managers and is liquid enough to withdraw anytime you wish to, and it's flexible, meaning you can easily switch or change your portfolio from one fund type to another. The return from Unit Trust is in the range of 15% to >20% on average for a long term horizon.
Act now!
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