Loso Teacher

2012-01-13T00:08:00.000-08:00

哇。。。好久没来了

最近真的点重色轻“blog"了。开始谈恋爱就没来这里讲东讲西了。

2011很快过了，很庆幸在2011做了很多改变比如：
(a) 进入股市(只是没赚没亏, dividend才RM80多)，
(b) 回去念书，
(c) 放弃追求不适合自己的女生，对她讲清楚并和现任女友表白。

很开心2011年的学生也在PMR里考到不错成绩，让loso老师我为你们感到骄傲。这份开心是钱买不到的。虽然糊里糊涂变成老师，我并没有糊里糊涂的教书。教书虽然工钱不高，我帮到的小孩是最真最直接的。

2012开始了两礼拜，我才来这里讲讲今年的目标。希望今年能：
(a) 增加股票return-希望能有10%就好，dividend set 到五百一年。
(b) 尽量分配资金-40%储蓄，10%父母，10%车，10%保险，30%花费。最头疼是学费要10K。今年能申请奖学金是最好的。
(c) 出国游玩。
(d) 把thesis做好。
(e) 把女友和家人一起好好相处。
(f) 最后当然是健康-希望全家人健健康康。

人要的总是那么多，好的来就好。哈哈哈。在这里很大家拜个早年，恭喜发财，万事如意。

2011-12-18T18:14:00.000-08:00

最近

哈哈哈。最近喜事连连，明年要起薪，考试拿高分又追到美女友。哇，人生还有什么这高兴！很想和大家分享喜悦的心真的很棒，人也特别精神。

比起之前要追的EX，我反而是时时刻刻烦恼多多。烦恼钱赚不多，不快。在想我是不是真的那么失败。

有时遇到对的人真的很重要。之前会是烦恼的现在都不见了。不但不被批评，反而会有被欣赏的感觉。就好像宝物终于遇到会珍惜的主人了。我不敢讲自己是块宝但最少我不会是废料。要是你没这感觉或感到不被珍惜，我建议你找到会欣赏你的吧！人生会因此改变很多，大家会在一起不是为了更多烦恼而是为了更多喜悦。最后，我送这首歌给大家。

通货膨胀真可怕！！！

2011-12-01T05:33:00.000-08:00

用了两年多的裤带坏了，还记得是在Queensbay Jusco买的。价钱也不贵，好像RM20多罢了。虽然如此，我可真喜欢用他的款式。

既然坏了，那当然就要新的了。这也是我贡献经济的时候，我找啊，找啊！那款式在东马可真少。找了三间比较大型的shopping mall也没看到很多，有时候我在想那些店家是不是真的想东马的不知道潮流，卖的大多数都是旧的。

不是款式老旧，就是价钱贵到吓死人。到最后找到第三间，我也累了就买了一件。你看看价钱吧！那可是discount 70%后的。
没办法只好花了RM60来买(有点心疼)，我在想有人会买他没减价的价钱吗？用RM200来买裤带？哇！我的钱越来越没价值了。

2011-11-24T07:23:00.000-08:00

最近不谈股票。。。。

上上下下，看了都会心脏病。。。哈哈哈。觉得这是最近的股市吧！因为本钱少，我最近都忍着，因为总觉得事情好像没真正的爆发出来。小不忍则乱大谋。看看一些戏来娱乐娱乐吧！

这是非常好看的戏，女主角好美。哈哈哈。

二十六岁了

2011-11-22T03:54:00.000-08:00

要是平均年龄为75岁，我已走过了三分一了。非常感恩，身体健康，能每天开开心心生活。

在很多国家都乱七八糟的时候，我们能这样安安乐乐可算很幸运了。

话说最近和几位女同学吃饭，她们吃到最后既然只吃了几口就丢在那儿让我感到非常可惜。可能是人安乐就忘了苦吧！

我们因该永远要居安思危，处在安乐的环境中，要想到可能有的危险。看看处处灾害连连，大家一定要居安思危。

2011-11-20T01:35:00.000-08:00

劈腿？

今年年头对一位女生示爱，得到的是她不知道要什么。过后还有些看戏，走走但开始怀疑我是不是真的爱她。在一起的时候也没什么像情侣，话题不多，思想又不同。想到之前真的没好好了解就示爱真的好冲动。现在联络也少了，我也认识到比较适合的女生，这算是劈腿吗？毕竟也没开始过，希望是我想太多罢了。

2011-11-17T03:27:00.000-08:00

前途未卜

这几天下好大雨，早上时雾大到连路都看不清。虽然有点危险，可是感觉好特别。架起车来也比平时小心得多。

忽然感到前方的路就好像前途一样，这路很熟悉但是又有很多的可能性。虽然同样的路，但每天都能看到不一样的地方。人生就是因为不断的发现而精彩，普普通通生活也能活得很精彩。。。

2011-11-10T04:32:00.000-08:00

今天拿奖了。。。

哈哈，拿奖真的很爽！虽然, 讲真的有点不好意思, Anugerah Cemerlang拿起来好像 “ 这么烂”一样。哈哈。希望学生要给脸一下，再拿好点的成绩让老子脸上有光。希望下次拿到的是真正的CEMERLANG。

2011-11-07T16:07:00.000-08:00

好久没update blog了。。。。

念书了，好久都没来写一下。教了两年书，看人考试多了，觉得不是一回事。轮到自己才感到真的有点压力。没想到才两年没好好念书，脑力真的退化了。这礼拜又要考试了，现在念的是经济学才知道经济真的复杂。

看到nuffnang终于翻一番了，从RM2块多到RM5块多。哈哈，真差劲！放假时会写多些。

退休金 PENCEN到底从哪来？

2011-10-07T20:30:00.000-07:00

身为一位新老师 (才教两年书 )，我一直在想退休金 PENCEN到底从哪来？

看看 EPF至少还有一些投资在股票，地产和大力在赚钱但从来就没听过有个 PENCEN基金。我想啊！想啊！这个基金大老板应该就是政府了。

很快就要决定要选 PENCEN还是 EPF了，所以我就写一些和大家分享。我想很多公务人员都要过这关的。

到底 PENCEN还是 EPF好？

PENCEN的好处：
1。退休时有 GRATUITY，算的 formula，我忘了可是也有 100多千。
2。每月有 60%的低薪 (gaji pokok)
3. 可以把累积的 120天 CRK(cuti rehat khas) 换成现金 .
4。要是有三长两短，妻子和孩子都有钱拿 .

PENCEN的坏处：
1。一定要做到 60岁，一生就被绑了。
2。中途放弃就完全没有以上的福利。

EPF的好处：
1。随时可以换工，人往高处爬是正常吧！
2。 EPF可以清清楚楚知道全部钱。

EPF的坏处：
1。拿完就完了。

看到以上，好像 PENCEN真的很好。大马是福利国？可是我还在想，我才 26岁，要等 60岁还要 34年。那时谁又能保证大马不会像希腊那样要倒债了。可能是我想太多，但是我不能不想。

胡立陽股票老师

2011-10-07T20:10:00.000-07:00

早知道这个办法就好，不知不觉在第一次应用这招才能赚到一点但是过后忘了。看来以后一定要记得。

有钱人。。。。

2011-09-30T19:14:00.000-07:00

多少钱是有钱？觉得这问题太抽象了吧！

看到同事们好像都很有钱，花啊！花啊！同样的工钱， IPAD2， GALAXY SII。。。。新潮的玩意儿都有，驾的车也不是开玩笑的， ALPHARD， CITY， VIOUS， CAMRY等等。我在想连老师们都没理财知识，接下来的一代又如何？

在教书的同时，我不断的提醒学生们，成功要靠自己。头脑一定要能分析做了一件事的后果。买了很多东西的同时，这是不是证明更有钱？

在他们买进这些同时，我买进了基金，股票。我相信花钱要花在对的地方。给我时间证明给你看。

明天开学了。。。。

2011-09-10T00:51:00.000-07:00

哈哈哈。明天就要从新开学了。你一定在想礼拜天，什么学校会开学呢？猜猜。

对，就是 LOSO老师从新变成 LOSO学生了。哈哈哈。在考虑了很多过后，觉得还是边教书边进修最好。因为希望日后会有更好的出路，这次我不再选教育系了而选了商业管理。

想当初，我的梦想一直是当个有钱人。糊里糊涂当了老师后，本想伟大一点帮多一些小孩成功。教了才发现不是人人都爱念书的。一班里要是有几位要念书的就谢天谢地。有时看不过眼，劝了学生几句，得到的回应既然是 “Ada ku kisah?" (意思是'我才不理 ' 或英文 'like I care'). 既然他们本身都不理自己的前途，我又能耐何？我不是圣人，我也会累的时候。不要拼却要拿到好成绩是不可能的。

还好我还年轻，讲真的，我不甘心就把我美好的时光这样给白白过掉。每月就等着工钱，开学等放假，放假等开学，很快就要过两年了。不知道是不是现在的小孩子太安乐，一点上进心也没，拿了全 E也还笑得出来。

有位老同事劝我说这样的学校就是这样的成绩，习惯就好。听起来是没错但是我真的感觉好像不大对劲。为何砂拉越进入了大马快 48年，还那么多文盲？每年成绩包尾的一定是东马的这对难兄难弟。家长这边也是不冷不热，爱理不理。

讲了那么多，那些以为老师很好做的，你可要想好好。现在的学生和家长可不是像你们想像的那么完美。

我觉得我讲出很多老师同行的心声，可是往往很少会做出什么来。我不认命所以我要再出发，要改变就要行动。希望这次改变是正确的。讲了那么多来听首歌 -“再出发 ”。

余畑龙客家创作 - She Is My Fo Si (她是我的货私!).wmv

2011-08-28T07:38:00.000-07:00

哈哈哈。我是客家人！

大家来看看这位客家老兄唱唱客家歌。满好笑的。

2011-08-28T06:58:00.000-07:00

让人期待又让人怕怕。。。。

期待中的八月终于像预料的来了，起起落落的超快。只恨自己当初没 cash out我的股，看到红红反而不敢进场。存到的钱又要还学费。哈哈哈。看来只能选其中一个来 average down.

我哥跟我分享一遍我觉得可以很好解释真真的美国危机。大家看看就好，千万别 subscribe因为是 scam来的。

事在人为，做事要有恒心。

2011-07-23T18:28:00.000-07:00

最近感到自己做事真的好像快熟面，只有三分钟热度。

好久没耐心好好写一篇文章放上来了，可能是因为感到闷吧！写了一年多，看 nuffnang里只有 RM4块多，还好没靠它吃饭。买的股票又把之前的营利全吞了回去。哈哈，广东话有句 -吃得咸鱼，抵得渴。看来现在就放在一边吧，反正我也没用到它。开始收集资金，因为我觉得八月有戏看了，美国股灾是迟早要面对的事情。

九月要念书了，也不知道是不是有用。觉得好好用年轻的时候多念个硕士总好过拜六礼拜游手好闲给过了。也希望大学里找到我的目标，让我生命有些热度。哈哈哈。

Service My Proton Saga for 20000Km

2011-07-15T04:54:00.000-07:00

Wah, really pokai lia. Service my Saga is always something that make my wallet thin very fast. The last time I service for 15000km cost me around Rm200. After that service, my car broke down and nearly cannot claim warranty that cost around Rm600 to fix. Luckily in the end, the service manager manage to help me claim warranty.

That's the only reason that still make me to go service my Saga at Proton service center. I really scare whether it will broke down again and its not cheap to fix it especially I haven't change the IAFM that many people complain about.

Before I service, I call to ask about the price and it is estimated to be around Rm500+ and I asked my colleague who also own one auto Saga Se but she mentioned only around Rm300+. In the end, I really pay nearly RM500 for the service. The list of the service is as below:

procare smart rm100.oo
Oil filter rm12.22
Gasket, drain plug rm3.32
auto transmission oil rm30.91
spark plug rm38
air filter iafm rm16.71
radiator coolant 1ltr rm28.34
brake fluid dot 4 rm10.92
syntium 800 rm104
magnetrap rm68
manual transmissionHQ multi 75w-85 x 3 rm111.66
Total rm495.95

Well, I just hope the money spend can help my car maintain fine and let me drive smoothly.

好文共欣赏。。。。

2011-07-06T07:22:00.000-07:00

最近懒惰了，好久都没写 BLOG。看了一篇很有意思的文章，希望全部跟我一样的打工仔要好好念一下。

用“薪”投资，从“薪”出发！
在帮老板赚钱的当儿，应该想想是否也能让有限的收入，创造无穷的希望？除非中六合彩头奖、继承大笔家业或创业成功，否则一般上班族光告固定的薪水致富是不可能的，顶多衣食无缺，投资理财才是致富的捷径。

仅管薪水增幅有限，但积极的它态度还是可以提升财富水准：收入是河流，财富是水库，花出去的钱就是流出去的水，只有留在水库里的才是你的财。要想攒好钱，就要一生养成量入为出的习惯，积极的管理个人现金流量，妥善的投资，然后随着经验的累积及资金的增加，慢慢的让投资收入大于薪资所得。所以，先将工作做好，有了固定收入，才有源源不绝的资金活水以供投资。同时要记得，投资是工作的一部分；而不是全部的工作。

投资其实并不神秘，如果您已经开始进行银行储蓄，您实际就已经开始进行了投资。但是银行储蓄未必是最好的投资方式，把钱存在银行当然是稳当，但是就好像把钱冷冻起来一样，靠利息是不能的，因为其收益相对较低，有时甚至不能弥补通货膨胀给您带来实际购买力的损失。船停泊在港口内固然是最安全，但这不是造船的目的，船必须扬帆出海经历风浪，然后安然无恙返回海港。资金亦一样，放在银行虽然安全，但并不是长远之计，因此我们必须留意各种资讯，并建立个人投资策略，一如船必须出海而而不是永远停留在港口道理一样。

除了银行储蓄之外，您实际上还有许多其他可以利用的投资管道。目前投资市场的商品琳琅满目，想要投资根本不愁找不到商品。国债、企业债等债券；保险；股票；基金；外汇；贵金属；邮票、钱币、艺术品、古董等收藏品；房地产；实业投资等。

我应该选择哪些投资管道？一句话──简单就是美！

要为自己选择最合适的投资管道，您首先需要了解不同投资工具的风险和收益特征。就拿股票投资来举例：

股票投资是最有可能超过通货膨胀率的工具，但股价的波动性很大，市场风险很高。仅将资金用于银行存款和买国债的缺点在于收益率较低，甚至有可能不能弥补通货膨胀给资产带来的实际购买力损失，同时也使您错过了投资于股票，获取较高收益、分享经济成长带来好处的机会。

但是对于那些不熟悉股票等证券投资的人来说，要么是担心损失而不敢投资，要么是贸然投资而损失惨重，因为在对市场没有深入了解的情况下，把握投资时机是很困难的。通过证券投资基金间接投资于股票等证券，是获取证券市场收益的一种简便方式。
什么是证券投资基金？
证券投资基金（以下简称基金）源于英国，兴盛于美国，近30年来获得了迅速的发展。基金是通过发售基金份额，将众多投资者的资金集中起来，形成独立资产，由基金托管人托管，基金管理人管理，以投资组合的方法进行证券投资的一种利益共享、风险共担的集合投资方式。目前，国内的证券投资基金都是采用的契约型的组织形式。契约型基金：又称单位信托基金，是指由委托人、受托人、受益人三方订立基金契约，由基金经理管理公司根据契约运用基金财产，由受托人（一般是银行）负责保管信托财产，而投资成果则由投资者享有的一种基金。

诺贝尔经济学奖得主威廉．夏普认为，基金是最能分散风险并降低成本的投资工具。对于不具备专业投资知识和充足时间的普通投资者，在众多投资品种中，基金是最适宜的。
投资理财是否能致富，与金钱的多寡关联性不大，与投资时间长短的关联性却相当大，因为“时间”是财富升天的核动力推进器，时间越长，复利效果越大。如果有长期的理财目标，选取长期持有优质基金无疑是最好的策略。不过千万要记住，赚到的钱不要随手又花掉了，最好能利用「钱滚钱」的方式继续替您创造财富。如果不贪心的话，每年只要有平均10％的回酬率，大约每七年就可以让资产翻一倍。

今天开始用“薪”投资，认真打理您的财富吧，如果您选对了投资的路，并一直坚持着，若干年后您会比别人笑得更灿烂，因为聪明的您早有准备。

以上肫述分享，希望文章主人不介意。。。。

最近的我。。。。。

2011-06-06T04:15:00.000-07:00

哇！我觉得我不能不承认我是不折不扣的宅男了。

其实我也不是不想出门啦！只不过头疼叫谁出来，去那里玩。来来去去就是看戏，走街真有点闷。所以就在家上网看看聊聊。

最近念了蛮多前辈的故事，有的真的很有意思，觉得一定要跟大家分享。

以下的故事改编自 http://cn983.com/invest/klse8k/349.html

人的需要不多，想要的却太多。

一双 NIKE 鞋 599 零吉和一双普通运动鞋 59 零吉，你说那一个是 “需要” 那一个是 “想要”？

有个女生刚打完假期工回来，我问她这个问题。她反问我：一个妇人一天来买一公斤的白米，你说她是需要还是想要？原来她工作期间每天都遇到一位相同的顾客来买白米。她忍不住问那妇人为什么不一次买五公斤比较便宜，那妇人反问她：你说这是我想要的吗？

原来对于这位穷妇人，能买五公斤白米已经是“ 想要” 了，她无能力只好退而求次，只买“ 需要” 的一公斤。这是一个真实的故事。

当初听到我那位名人朋友讲的这句： “人的需要不多，想要的却太多。” 害我深思了几晚。想要理财致富，一定要把这句话扪记在心。

物质上的东西容易分辨那个是需要那个是想要，但是有的东西却难以分辨，比如抽烟和喝酒。我有一个很会抽烟的朋友告诉我，香烟是 “需要”不是 “想要”，如果不信可以去问那些有抽烟的朋友。后来有个成功戒了烟的朋友告诉我，还未上瘾之前它不是需要也不是想要，等上了瘾就变成了需要，有烟瘾的人宁可少吃也不可少吸就是这个道理。我突然关心起抽烟是因为我发现到有抽烟的人每个月花 200 零吉买烟是等闲事，小数怕长计，如果反过来我们把这 200 零吉用来投资股票，而股票每年可赚取 12% 的回酬，我们只需 35 年就可成为百万富翁。所以我要奉劝那些还没有抽烟或者刚开始抽烟的朋友们尽量远离香烟吧，如果你想快点致富。

从上面的故事更加启发了我理财的决心。在大多数朋友都去旅行玩乐的时候，我就好好待在家把这些钱省下来投资因为我知道这些都是想要罢了。有没去玩，假期也过得很爽。

放假真好

2011-06-04T23:09:00.000-07:00

啊！每天懒洋洋地，虽然有点罪过但超爽的！真有点感觉像 everyday is Sunday.

最近 LOSO老师我都在看股市，观察变化，给我发现到比较有经验的散户都开始撤离股市了。看来我也应该丢票了，啊，都怪我贪便宜，买了不会起的股。

为何我会说危机要到了？这跟美国股市和债卷有很大的关系。看美国和外围的股市每天都在跌，你觉得大马真的那么强吗？不但没跌，反而还起。我个人认为这都是有心人把马股美化的。要是你想找全世界的股市行情可以去这边看：
http://www.stockq.org/
(请点击来看清楚 )

最近长看到 “五穷，六绝 ”，看来也不是没道理。六月的我只期待新的一轮 ETP新 PROJECT，希望我买的公私标到新工程。祝大家投资愉快。

危机 =机会？

2011-05-28T22:42:00.000-07:00

委四银行发售全球回教债券纳吉政府为53亿外债再融资 May 25, 2011
据媒体消息指出，马来西亚政府已经挑选四家国内外银行集团，负责统筹与包销以美元计算的全球回教债券发售计划（US dollar global Islamic bond），以便为即将在今年七月届满的17亿5000万美元（或马币53亿2000万元）的10年政府债券进行再融资。

《路透社》今天报导，马来西亚政府已经委任四家国内外银行集团，负责统筹与包销以美元计算的全球回教债券发售计划。据悉，已确定的银行集团包括联昌国际投资银行（CIMB）、花旗集团（Citigroup）以及汇丰银行（HSBC ）。

不过，这三家银行在截稿前并没有作出回应。至于第四家获委银行可能是马银行（Maybank）。

该报道指出，这项全球回教债券发售计划预期在六月或七月完成。债券发售所筹集的资金，将用来为传统政府债券进行再融资。马来西亚在今年七月将会有一批17亿5000万美元（或马币53亿2000万元）的10年政府债券届满，需要进行再融资。

马来西亚上一次发售全球债券是在2010年5月，当时政府发售总额12亿5000万美元的五年回教债券。

政府挥霍与缺乏纪律种下祸根
根据《2011年联邦财政预算》的资料，这批17亿5000万美元的全球债券将在2011年7月15日届满。此外，联邦政府也针对各项发展计划向外举债，估计即将届满的发展计划贷款或债券总额为1亿7600万元。

根据《独立新闻在线》之前的统计，马来西亚政府在2010至2012年之间，还必须面对一波国内债务偿还高峰期，估计总值高达1016亿5000万元的未偿还政府证券与回教债券，将在这段期间届满或赎回，相当于占联邦政府的国内总债务近30%的比重。

这主要是因为联邦政府过去挥霍无度与严重缺乏财政纪律，所带来的恶果。值得注意的是，这些在2010年至2012年之间届满的政府债券，是联邦政府从2001年至2009年之间发售的债券，而且涉及数额庞大，十项即将到期的政府债券中，其中五项债券合计748亿元，占总额的80%比重。

这反映出，在1997年亚洲金融危机后，联邦政府在过去十年非但没有积极管理财政，削减财政赤字与降低政府债务，反而因挥霍无度和严重缺乏财政纪律，导致政府在这三年必须面对偿债高峰期。

联邦政府债务从1997年的马币900亿元（占GDP的32%比重）飙升至2008年的3064亿元（占GDP的41.5%），并在2009年进一步提高至3486亿元。

我的第六感！

2011-05-27T04:48:00.000-07:00

近期的股票看来看去越来越不对路。虽然 BURSA看来要回到 1450水平，可是每天大多数的股价都在下跌。现在学校假期了，我有更多时间和大家分享我的看法。念了 CARI 和 INVEST TALK的帖子，我开始问自己，现在应该卖吗？

试问自己，你买的股票能经得起调整吗？我的第六感告诉我调整应该不远了。看看欧盟的债务就知道它对股市影响是多么厉害。要是这发生在大马，政府能处理吗？ MALAYSIA BOLEH？

天天翻看新闻都讲政府要省钱，最近的要减津贴了 - 电费，油价，糖都要起价。虽然说是经济改行，作么就看到政府在另一边不断的花钱？债务不断上升但只会减津贴绝对不是解决方法。突然很多这样那样减让我有个问号 -政府那么有决心改变？看了 JPA奖学金就知道啦！

看了这篇 http://www.merdekareview.com/news/n/18346.html 新闻，你应该会好好问自己- 现在要握住现金吗？

LOSO老师来吹水。。。

2011-05-14T04:54:00.000-07:00

最近买的股票一直没起，讲到就 SIEN，所以老师我来吹水一下我的光辉岁月。

话说想当年 Loso,我可是五十万青年中的三千。猜猜是什么三千？

老实讲，我的到现在也没什么了不起的。只不过当年我可算是大马 SPM文凭的状元。在五十万青年中，只有三千的全 A生。很多亲朋好友想都没想到我会跑去教书。其实这，我也没想到。

有天心血来潮想在学生面前炫耀一下，想让他们知道没什么是不可能的。当天我很兴奋的把我成绩给所有学生看一看。哪里知道既然有学生说，老师，你成绩那么好也不过是老师。哈，给他那么一讲，我的脸真的是胀得像猪头 lo，真的想找洞来卷进去。想一想，他讲得也没错，老师我成绩这么好最后也不过是老师。

想回来，要是有第二次的选择，我是否会做同样的选择。以前和现在，我都只想做有钱人。

一年一度的教师节

2011-05-13T19:20:00.000-07:00

五月十六又到了，这是我的第二次庆祝。。。

教了差不多两年书，我只想说我有点累了。教书并没有我想像般理想。原先以为教书就是分享知识，经验的我，现在觉得教育简直不再那么单纯了。

天天看到报纸报导一些学校问题，我只能说我麻木了。那些只不过冰山一角，真正严重的往往因为一些怕事的领导而没被揭发出来。不见棺材不流泪是这些人的想法，不到逼不得已的地步都不会乖乖出来承认错误。

在我执教的两年中，我在学校里看到了大麻，摇头丸，聚赌，打架，贪污等等。最深刻的一次是学生家人进来打架，那次我第一次觉得我的生命受到威胁。那些失去理智的家长这时候是非常可怕的。他们就在我面前不断的打着一位学生直到他倒地，完全没反抗的能力。幸好这时候有别的同事即时出现一起阻止了这场悲剧，看到大人都这般，小孩会好到那里去？

还好我现在还年轻，还能承受这些，可是我觉得教书不再会是我一辈子的工作了。毕竟在三四十岁的时候，再给学生气一气，LOSO 老师我不早升天才怪呢！

2011 教师节，我祝福所有老师同行身体健康，但愿我们的学生乖乖，不气我们就好。哈哈哈。

YTL

2011-05-08T04:51:00.001-07:00

Last month added in new stock into my portfolio, YTL. The reason why I picked this stock is because YTL is split into five and the price is considered cheap compare to other blue chip. Also because of this interesting posted by Cold eye from the website:
http://www.oomoney.com/klse_8k_series/klse8k-stock_investment/9_years_ytl/

1991年12月，1张YTL的价钱只是2.30令吉，如果当时我们有幸用80500令吉买下35张，收存到2000年12月，那35张的YTL单单靠发红股已经变成了204张。(35,000股 X 2.30令吉 = 80,500令吉)

2000年12月31日，YTL的价钱是4.94令吉，那204张的价值已经是108万令吉了，这还不包括9年来我们所获得的股息。(204,000股 X 4.94令吉＝ 1,007,760令吉)

YTL(杨忠礼)的红股记录：
1992年红股5送1
1994年红股5送1
1995年红股2送1
1996年红股2送1
1997年红股2送1
1999年红股5送1

1991年12月，YTL的总成交量只有3721粒，不是一个很热门的股票。大多数的投资者都喜欢热门股，所以当初会买进YTL的人是少之又少。

那么买进热门股收藏到今天会不会比较好呢？让我翻开记录看一看：

这资料是从1992年1月份的INVESTOR DIGEST里取得。

INVESTOR DIGEST是KLSE出版的，所以可靠性很强。

当时的15大热门股是：

31/12/91
Name Price Volume
CASH 1.15 31397
S DARBY 3.86 30212
G HOPE 2.45 24392
MAYBANK 7.10 22184
TANJONG 6.95 19324
MMC 2.59 17879
D BHD 1.16 17017
GUTHRIE 2.55 16085
SRI HART 0.46 15351
MAS 7.00 14141
PROMET 0.84 13956
B GROUP 1.38 13256
S UEP 3.46 13203
RENONG 1.16 12257
IDRIS 0.74 12159

(所列成交量是整个12月份，不是一天)

如果当时的80500令吉不是投资在YTL，而是投资在这些热门股身上，结局又会如果呢？

让我们试试看，演变方法如下：(请看下图)

1) 1991年买进的数量和2000年所持有的如有不同是因为加了红股。
2) 9年期间，这15只热门股当中只有MAYBANK，TANJONG，MMC和S DARBY有送红股。
3) 附加股一概不理，就当作无钱认购。
4) SRI HART和PROMET已经停牌，不列价钱。
5) 我把赚钱的排在前面，停牌的列后：
6) 投资成本：80500令吉，为了配合YTL的百万之梦。

31/12/91 31/12/00
Name Price Shares Total Price Shares Total
YTL 2.30 X 35000 = 80500 4.94 X 204120 = 1008358
MAYBANK 7.10 X 11338 = 80500 13.50 X 34014 = 459190
TANJONG 6.95 X 11583 = 80500 7.15 X 34748 = 248450
S DARBY 3.86 X 20855 = 80500 4.76 X 25026 = 119123
G HOPE 2.45 X 32857 = 80500 3.02 X 32857 = 99229
S UEP 3.46 X 23266 = 80500 3.86 X 23266 = 89806
MMC 2.59 X 31081 = 80500 1.74 X 43514 = 75714
RENONG 1.16 X 69397 = 80500 0.94 X 69397 = 65233
GUTHRIE 2.55 X 31569 = 80500 1.80 X 31569 = 56824
MAS 7.00 X 11500 = 80500 3.84 X 11500 = 44160
CASH 1.15 X 70000 = 80500 0.34 X 70000 = 23450
IDRIS 0.74 X 108784 = 80500 0.17 X 108784 = 18493
B GROUP 1.38 X 58333 = 80500 0.30 X 58333 = 17500
D BHD 1.16 X 69397 = 80500 0.16 X 69397 = 10756
SRI HART 0.46 X 175000 = 80500 0.42 X 175000 = susp
PROMET 0.84 X 95833 = 80500 0.29 X 95833 = susp

总结：

1) 投资在YTL的80500令吉，在九年内变成了1百万。YTL不是热门股。
2) 过了九年，投资在15大热门股中，有5只可以赚钱，另外10只要亏钱。

有趣的问题：

1) 那么赚钱的股票和亏钱的股票有什么分别呢？
2) 如果当时我们只选高ROE的股票买是不是可以赚钱？

这问题很重要，因为我一直强调买股一定要选高ROE才可以赚钱，所以我需要再次的深入研究，看看是不是真的如此。

After reading this, I really hope YTL is "Yang Tua Liap". Hope to see it become multiples after 10 years.

Big boss die= No more ah tou?

2011-05-02T00:01:00.001-07:00

Well, I think its the hot news today that Osama Bin Laden finally say bye bye to Earth. If not wrong, the 911 incidence took place in 2001 and it took US 10 years to finally take down this guy.

Now I wonder in this 10years, this Laden donno duplicate how many of himself and take in a lot ka kia to help him do work. Do you really think killing the big boss meaning terrorist will end? Definitely his top ka kia will be the next ah tou. Let just hope no more terrorism in this world, bring peace instead of destruction.

U cut, I cut, everyone cut.....

2011-04-29T22:07:00.001-07:00

Tree chopping down for development and weather is getting hotter. Its not like I don't want development but I really cannot bear with the hot weather. Take a look at the sun around 12pm, its really HOT!!!

No wonder Jacky Cheung sang this song long time ago.

这歌太适合我了。。。。

2011-04-24T01:11:00.001-07:00

往前一步是幸福

退后一步是孤独

没人要我为什么

难道看不到我是块宝

前后左右你们给我听好

年轻都会老真心最重要

你们烦我，烦到疯

正在努力看不见吗

上上下下你们一起发飙

金刚不坏之身也挺不住

往前一步是幸福

退后一步是孤独

在原地不动是为了看得更明白

爱情不能不清不楚

往前一步是幸福

退后一步是孤独

在纷纷扰扰之间我明亮了双目

找能与我相爱的人一起到老

没人要我为什么

难道看不到我是块宝

前后左右你们给我听好

年轻都会老真心最重要

你们烦我，烦到疯

正在努力看不见吗

上上下下你们一起发飙

金刚不坏之身也挺不住

往前一步是幸福

退后一步是孤独

在原地不动是为了看得更明白

爱情不能不清不楚

往前一步是幸福

退后一步是孤独

在纷纷扰扰之间我明亮了双目

找能与我相爱的人一起到老

啊…………

往前一步是幸福

退后一步是孤独

在原地不动是为了看得更明白

爱情不能不清不楚

往前一步是幸福

退后一步是孤独

在纷纷扰扰之间我明亮了双目

找能与我相爱的人一起到老

The result of Sarawak Election 2011....

2011-04-16T21:46:00.000-07:00

Well, like what I expected, BN again won the election by 55 seats. However, I believe this will create awareness among BN leaders that Sarawak people especially those in town want some changes when 12 DAP, 3 PKR and 1 individual won. The previous Sarawak election on 2006 only had half of them won and 308 already can happened. So, imagine now opposition are able to attract double Sarawakian to change, I am pretty sure BN is now terrifying.....Haha.

Look at some of these video:
Kuching: Estimate 30k shown up although raining and no free food or any stuff.

DAP leader talked till voice also hard to come out....

Its very clear that most people want some changes...

Lets wait and see what happen in the national election if it is going to happen this year.

IPO= Initial Public Offering....

2011-04-09T22:56:00.000-07:00

哈哈哈。最近股票 “PANG PANG”声的起。。。我买的股虽然只有小起，我也很开心啦！毕竟好过没起。要是你也是股民，现在又有一个新 IPO了 -FOCUS LUMBER，只是 60仙一股。

从这图看来，自从 2011开始到现在，在 KLSE上市的 IPO，九个里， 8个都起得不错。真的是发了。哈哈哈。

由于日本大地震，木材的价钱也会水涨船高，看那些 LINGUI， TAANN， WTK和一些不相干的木材股个个起得不相样就知道啦！虽然 FOCUS LUMBER主要出口到美国，能够肯定的是它也会从中受益。希望我标得到我的第一个 IPO。

更多资料可以从这里得到：

http://politemarket.blogspot.com/2011/04/focus-lumber-ipo.html

http://www.focuslumber.com.my/

原来钱没有花，它也会跑路的。。。。。

2011-04-09T22:24:00.000-07:00

一个月两千多，我自问不是一位很花钱的人，省东省西可是钱就好像会生脚一样，一定会有机会逃出我钱包。

自从有了 SAGA，就更花钱了。钱好像突然有翅膀一样，会飞啦！

现在那 AGUNG头 “有毛有翼 ”，隐隐约约听他唱这首歌：

钱啊！钱啊！请你不要走。。。。得那么快！！！

我有点想走人。。。。

2011-04-08T06:31:00.000-07:00

哎呀！我校又是 TOP ONE 了但是从后面排起。讲出来都丢脸，不是我没教啊！学生啊！争气点，把 TONGKAT丢掉，像样一点。有时真的 BEH TAHAN，天天都一样。我只能祝福你们，点首歌给你们听 (虽然我知道你们都听不懂) 。

To love or not to love......

2011-04-08T05:42:00.000-07:00

此时此刻听这首歌而外有感觉，不是我不想爱而是不会啊！

觉得自己好像这首歌酱，就像根木头。

真的是闷透啦！好像 “单掌难鸣 ”又要撞墙了。车啊！争气点，快点好啦！一病不起，真的是大马病夫。破桶，哦，破桶。

SARAWAK ELECTION。。。。

2011-04-08T05:12:00.000-07:00

Haha...This election is rather hot. Many wonder will 308 repeat again?

Through my own observation, while most Chinese appear to support more on DAP but there are only 15seats where majority of the voters are Chinese. This is a rather small figure as the total are 71 seats.

So, is SARAWAK ready to head towards a change? I think no body knows the answer because 56seats will be depending on our Bumiputra friends. Well, let's wait and see what happen on 16 April.

Finally....Good sign coming.....

2011-04-04T06:06:00.000-07:00

Haha....This week start with a good sign. Not only my Saga manage to claim warranty but my stocks also rising fast. Now its already 4% on paper profit with one of it being top 10 high volume- DAYA.

After calling so many times, finally, Proton confirm my car will be under warranty. However, I have to wait around one month. Now my situation is like owning a car yet no car to drive for a month. Hopefully, it will be done as soon as possible, feel so bored without a vehicle, cannot even go dating.

While my stocks have been up and down for weeks after the Japan earthquake, now its start to show sign of outperform. Haha. Hopefully the pattern will continue. I personnaly think its related to Sarawak election as well since government will sure try their best to make everything look good. So, sit tight and enjoy the bull ride. Just make sure you manage to escape before the bull go mad.....

Do you believe this?

2011-03-30T07:23:00.000-07:00

After 3 days waiting, I finally cannot tahan lia. I wanna complain. Do you believe this small lock can cause the car to broke down and need RM600+ to repair?

The service is so terrible!!! At first, they estimate the price of the spare part is Rm300+ and say will confirm with me again. Who know I wait and wait, guess they don't dare to tell me. I call back， the price increase 100% become RM600+. Wah, what kind of service is this? You think I am some one 3 years old that you can cincai potong?

I am really disappointed with such service, how can I trust you any more? What is the use of warranty when I need it? I wanna complain. Hopefully, you all won't see me in the press soon. If they didn't fix it for me, I will sure make this big.

你做初一，我做十五。

O, Proton Saga..............

2011-03-28T05:44:00.001-07:00

Finally, the day come to me. I never thought it will happen so soon. While driving the girl I like and thought can go enjoy dating. My saga blm just broke down and cannot start again. Actually, before this, I found out something different about it. It start to show some sign of "old" and need to start a few times before I can drive out.

Haiz, the car just "die" like that and its so embarrassing since its still very new. Some passer by even drop by and ask me- "bos, tiada minyak?" Arrrrr......How can this happen? It happens not only once but twice and needed to be tow for 3 times already. Luckily, I got insurance cover over the car and its still under warranty.

However, this has totally destroy my trust towards Proton. For whole day, Proton service mechanics still haven't confirm with me what cause my car to break down. So sad ar. I just hope to "heal" my car as soon as possible. Those of you who wanna buy proton saga, think twice la.

Finally SPM result out d.....

2011-03-25T04:41:00.000-07:00

Well, as I expected, the result of these students will be quite terrible. Imagine my school count top from behind of whole Kuching. What to hope for beside praying they will at least get an E. If can, I think I wanna change the definition of grading in Malaysia into:

C: Cemerlang
D: Distinction
E: Excellent
G: Gemilang
T( tidak hadir): Terbilang

How can these students pass if everyday only say "malas belajar"? I just cannot stand this anymore. If the students are like that also thanks to the culture of whole surrounding. I cannot imagine why students can come school just to sleep everyday. If you wanna sleep, why not just sleep on your own comfortable bed at home?

No wonder nowadays more and more teachers turn "Gila". May be too many students getting G. Yet, whenever teachers trying to punish them, it will be considered as torture and come out in newspaper. Do you really think students nowadays will be afraid of what a teacher say? If the students not even care about their result, will they care whether they get any verbal warning? Try think about it.

From my observation, students' quality really dropping. While recent result shows straight As students are more than 9K out of 500k SPM students, this is actually 3 times more than what during my time on 2002. However, they are still nearly 3k students who get all Gs. Ask yourself, those who got 21As, 20As in the past few years that newspaper claim they are genius....Do you still hear anything about them? Are they really smart or simply just a exam machine. I just wanna express my sadness while seeing the result of my students because they cannot even pass in this 21 century.

First time buy flower for girl.........

2011-03-18T06:06:00.000-07:00

Aiyoyo, si beh paisei. Donno why the time I buying flower also feel awkward lia. May be its my first time, colour I also blur blur. Ask got what colour, tauke niu reply pink or red so I simply pick red la. Suddenly recall she likes white so cincai ask got or not. Haha. Here's goes a white rose. Why pick one as first time? Cause it stands for only one ma, also to cut budget la. Haha. Rm7 for a white rose- consider a good investment la.

Hmm, I never thought I am so shy. By the time I reached outside her home, I can see her parents looking around. Aiyo, I don't know why feel so paisei lei. The time she come in my car, my heart start pounding like wanna heart attack lia. Haha. Talk also kelam-kabut and just give the flower to her or may I say "throw" to her since I a bit ki teong till I actually didn't hold the flower properly. Then, we just laugh and laugh. I think my face is more reddish than her. Haha.

We went for jogging after that and have dinner together. The restaurant she picked also very nice as if I book the whole place because we are the only customers. Haha. They actually light up some candle but too bad they didn't switch off some light. Aiya, really donno how to treat customer well. Haha.

What a day, although she didn't give me any answer. I kind of like it, will continue to think what to do next and enjoy the process. Haha.

All human are the same...........

2011-03-17T08:21:00.000-07:00

Well, every human being have "七情六欲 " meaning seven feeling and six desire if I translate straight forward from mandarin. So, now same goes to our fellow Japanese that we can notice some sense of panic around after few days of the earthquake. Look at the video below:

Its simply hard to control your emotion if you were there, what to say if you have relative lost in the tragedy. Look at how serious the tsunami struck and it is the not the earthquake that is devastating.

The matter got worse this few days due to nuclear power plant which is like a time bomb and now even the Japan government mentioned of critical 48 hours. How can Japanese don't get panic?

After US start evacuating her citizen away from Japan, what can you imagine if Japanese government still say it is safe to be around in Tokyo? If I were there, of course I will run away first. Lets see what will happen in the coming 48 hours.

What if.....

2011-03-15T07:12:00.000-07:00

Assume that earthquake can strike again any time, if the second wave coming, is Japan prepare for it?

Well, we should solute Japanese as they show high discipline in controlling themselves and maintaining order even after a 9.0 scale earthquake. It really amaze the world by how they reacted- calm, evacuate in order and so far no news about riots. Compare yourself with several video below.

Japanese after the tragedy:
http://www.youtube.com/watch?v=8yysxINv8-g
Sorry, cannot show it here because some how it is not allowed to be embedded.

Another video on Japan quake:

Where as, try look what happen in Sichuan, China:

I am Chinese myself and I believe if that kind of disaster strike Malaysia, I will be like anyone in the Sichuan video compare to Japanese.

With that, I believe Japan can handle anything even though if second wave of earthquake happen. Be strong and hope everything will get better soon.

没眼看 =No eye see......

2011-03-14T22:18:00.000-07:00

Aiya...This is by far the most terrible disaster I experienced since I started my investment. I now suffer on paper loss of 7% but I believe this will not affect the company's future since its profit will not be affected much.

Although now losing few hundreds, I consider myself still very lucky and no match with what they face back in Japan. Really feel pity and sad for them, losing everything they had work so hard. House teared apart, car all washed away and the most priceless is life that simply cannot be replaced. We have to be grateful staying in Malaysia, at least we don't have natural disaster here.

Worst to come if the nuclear plant out of control...

Market Chat

2011-03-12T21:36:00.000-08:00

Been to few talks last week, among the most interesting will be the Market Chat organized by Hong Leong Bank and Bursa Malaysia. I personally learn some thing new from this talk and keep myself update with the current market. But I wonder, how come most of the people shown up are uncles and aunties. I think I am among the very few youngster in the 20s.

Well, the first thing I learned is about trading future which I think is more like gambling. The reason why I said so is because you are judging the movement of KLCI and decide whether you wanna buy it up or down. For example like last week, if you can predict KLCI going to dip down below 1500 on Friday and buy in when it hits 1520 on Wednesday. You would have earn Rm50 per index point and Rm50 x 20points= RM1000. However, I don't know what will happen if it continues up and didn't dip down in case you buy it down.

Next, I also found out that HL Ebroking offering very cheap trading fee to the minimum of RM8 per trade. I consulted my brothers and we both wonder whether its a nominee account or not since nominee account normally enjoy less like not receiving vouchers and less dividend. However, its great to know that HL Ebroking offering a lot that you can find it out yourself from the link below:
http://www.hlb.com.my/eb/ebroking/ebroking.jsp?flag=ebroking

To my surprise, the talk also offer free buffet dinner since I didn't manage to have mine before going for the talk. Haha. The last but not least is the speaker from HL investment bank that really inform me a lot with the current market.

The few stuffs I recalled was the worry for the current market- he highlighted about the effect of Japanese earthquake and Middle east riots that he advised people to stay away from market until it is clear that Middle East problem are settle especially Arab Saudi which already shown some signs of instability.

He mentioned about hot money pouring in from Middle East to countries in South East asian like Singapore, Indonesia and Malaysia. Since these countries are relatively stable, these Middle East tycoon will invest in stock markets or bond especially in Islamic related stocks. Due to these so called Syariah stocks mostly involve in property sector, Malaysia will probably heading toward a surge in house price in around June 2011 if the hot money continue coming in. I definitely hope this is not true because I haven't got mine. Imagine a double stories terrace shoot up million, how is a normal teacher like me going to buy one?

He also used a lot of terms that I don't really understand like CPI and bla bla since I am still novice in this field. He mentioned of US policy and some crisis that might happen if the policy is carried out that I don't know much either. He also mentioned of foreign holding in our stock market that is still considered high and impossible to overrun 27% in 2007 - he reminds us on the issue of election year that most dislike because of unforeseen result.

He ended the speech with few stocks that he recommended:
1. Airasia
2. HSL
3. KSL
4. TM
5. Time Dot Com
6. Mudajaya
7. CIMB
8. Maybank
( just a recommendation, buy at your own risk)

Its quite funny when an uncle asked the speaker to narrow down to 2 stocks and the speaker reply- "If I can do that, then I won't be working".

Haha. I personally like the last sentence.

Real Tsunami VS Tsunami in Movie

2011-03-11T18:09:00.000-08:00

What a shock happen in Japan! Tsunami just wide up almost all the stuff on its way. Still recall I watch the Korean movie that is very entertaining but when it comes into the real stuff, it is not entertaining at all but SCARY. Try compare yourself from the video below:

Never mess around with mother nature..........

Catching a dropping knife...........

2011-03-10T23:46:00.000-08:00

Aiya......Finally, I feel the pain of buying stock at the wrong time. I am affected by my emotion when the price continue shooting new high, now I pay the price. I forgot the important rule- to be greedy when others are fear, to be careful when others are greedy.

Last few days since Monday, I had been trying my luck to purchase Fajar. From its closing price Rm1.05, I tried my luck on Rm1.04 but not successful that day because the price range from RM1.06-1.10. So on Tuesday, I put RM 1.10 but again I didn't manage to settle the deal because price range that day was RM1.11-1.13. Now my greed had overrun my rational, I keep on assuring myself that it will continue the up trend so I tried again on Wednesday for RM1.13 and this I got it.

However, the price didn't show the continuous trend anymore. Now the price is already RM1.07. Ahhhhhh...........I had caught a fallen knife, though only 6 sen apart, it is already 100+ on paper loss. Same goes to my Daya, where I purchase with much higher price than it was.

I believe this is just some adjustment due to regional affect that have riots every now and then that causes the oil and gas price continue creating new record. I hope soon everyone will forgot about it and my stock will recover.

When can I be rich?

2011-03-10T03:02:00.000-08:00

Well, I ask myself some time, can I be rich? I used to aim to become rich man without thinking what I want to be as an adult. I just want the flow of money not to be not issue any more, enjoying life, having big house, marry a wonderful wife and happily ever after. Well, is that possible?

I learn investment because I believe everyone has the equal right to get rich. However, I know this will take some times to wait and learn. With only 2.7k salary per month, after paying my car loans and give some to my mom, ultimately, I only left 1k, that also if i didn't spend any money that month. What a poor pity life!

Before I went university, I bought some Da Ma Cai, hoping to win some lottery and get rich. Haha. That seem to be to no avail because until now I still a poor teacher. Well, I still bought once a while just to see whether I am that lucky guy. After working for more than one year, I only manage to accumulate few k saving. With house price shoot so high, when can I get a double storeys terrace house that already reach 400k in my hometown?

Hopefully, I can gather enough money soon to buy my own house. In the mean time, will chase the girl I like first. Haha. Wish me luck.

When she didn't say yes or no.........

2011-03-09T03:47:00.000-08:00

Haha....I never thought she reply so calm. Discussing with me about our differences especially religion. Although we are Chinese but we have difference religion, she's Christian while I am just traditional Chinese that go "pai pai". Well, last time I used to worry for that because I am worry that my parents cannot accept it. As time goes by, I notice that nothing much difference so I dare myself to confess to her. Who knows is her turn to worry, she highlight this because she don't want this to be an issue next time. I am glad actually because I know she is considering me deep inside her mind. Haha.

She also highlight about romance, loyal, rich and bla bla bla but I only can confirm her with my loyalty. Well, if you know me, my look very loyal right? Haha. For romance, I am just empty minded guy that don't know what is that. Haha. May be will try buy her some flowers. For wealth, I can just say " I will try my best."

Although she didn't reply yes, I will wait for her. Trying to convince her I wouldn't mind being different religion. I never thought can be so fun dating a girl, its my first time. Haha.

Confession.........

2011-03-05T08:39:00.001-08:00

Well, I am nearly 26 already. Sad to say so, I am still single. While some friends of mine already married, I am still busy finding myself a girl friend. Although single didn't bother me much, some time deep inside, I still feel kind of lonely.

Hmm, am I too picky? I wonder why for all this time, I always fail in this important part of my life- finding a right soul companion. I had confess to some girls before, yet the answers most of the time was "its better to be just friend".

What's wrong with me? Am I too hard to be accepted? Tonight, I nearly confess again but I hesitated for the bad experience I had last time. But technology do help me in avoiding awkward situation if the answer comes other wise where I confess through email. I wonder whether it is appropriate since she might think I am not sincere in asking her. Hopefully, Mr Loso will find Mrs Loso soon..........Hope she will reply "yes, I do". Wish me luck.

Selling my stock...........

2011-03-05T08:25:00.000-08:00

This few weeks was rough weeks for stock, seeing stocks up and down. Finally, I decided to sell Mahsing when it touches Rm2.50 although it went up to RM2.83 before. Though I made RM 500+ from this trade, I wonder I have made the right decision since this is a company with continuous earning since last decade.

Now, with some money, I am planning to go in stock again soon. My current stocks are Daya and Stareit, now I am eyeing on Fajar which holds a lot projects in construction. I personally believe that more projects will roll out to lure more support for the current government to keep on in charge.

Besides that, I also eyeing on Daya and Zhulian for their background. My judgment was on their fundamentals like cash, debt, ROE, PE and future growth. I will try to buy Fajar on Monday while keeping an eye for Daya and Zhulian, let's see whether my judgment is correct or not.

Live your life with dreams......

2011-02-20T01:26:00.001-08:00

Service my Saga SE for 15000km

2011-02-20T00:18:00.000-08:00

So far, the car still performing fine, just only the fuel consumption a bit scary. Well, what can you say for a car cost 44k? Haha.

On Saturday morning, I went Proton 3s to service my Saga. Upon reach 9.20am, I straight away went to the counter as I set appointment on 9.45am. I launch some complain on my pedals an suspension that have sound. Then I was told to wait 2 and half hour and expect to pay RM280. Wah, what a good job! Wait 2 hours 30 minutes and pay RM280 for service? I was kind of shock and thought she was just kidding with me so I wait patiently.

As I have been servicing car there for couples of times so I know how fast they do work. Hmm, I wait and wait, read newspaper, sleep, awake and sleep again. Upon 11am, wakao, I still saw my car parking there, not moving at all, no wonder need two and half hours. Haha.

Luckily I bring along my investment bible- " Secrets of Millionaire Investors", thanks to Proton, I manage to read finish when to sell and buy stocks. I will definitely practice those theories soon.

After around 1 and half hour, counter call me to pick up my car. I was told the pedal and suspension are just fine, tightening the screw will done the job. When I see the bill, really a bit cold sweat coming out - RM210.

Though got discount RM70 from what she mention previously, the bill still super high compare 3 times previously which average around RM150. I found out the labour fee for Proton is RM55. Well, what can I say?
Beside labour fee, I found another interesting stuff they add in:

I hope this better works as its not cheap by the way-RM48.

Another stuff I got this time is this pretty mug set:

May be its just to compensate me for paying extra though I know its just free gift of Petronas Syntium 800.

While paying at the counter, I loso loso ask for next service and I am told to prepare around RM500, this time even more cold sweat. Wah, Saga o Saga, u are really sucking, vacuuming everything in my account. Just hope my Saga good good, don't be naughty else my wallet really keep fit lo.

Wonderful Teachers.

2011-02-20T00:02:00.000-08:00

Lol, looking at this video will definitely make a lot people touch. Mrs Chong, what a coincidence! I am Mr Chong, I too a teacher yet I wonder I can do what she did or not.

Start invest ASAP, getting rich is not a dream.

2011-02-19T01:51:00.000-08:00

When Loso Teacher no more loso......

2011-02-19T01:25:00.001-08:00

When I first step into teaching, I thought I can change people, use my passion to shape them into wonderful person. As time goes by, my passion is only return with minimum result that some students only can stand around few minutes and change back as usual- lazy, talkative and bla bla. I start to focus on only those who wanna study. Though I know this is bad as I should treat everyone equally, I just cannot help much for those who always create troubles. I feel sad for them as they are still very young, no burden at all but just study for a better future. What happen to youngster nowadays? Thinking of fight, nude, drugs and stuff that they should not touch at all. Imagine if Sarawak depend on these youngster to build up our state. I just don't dare to imagine at all.

I wonder some day later, I will be labeled as cruel teacher like what inside this video. I really pity this responsible teacher that she only did what she suppose to do yet being labeled CRUEL.

跑前一步是幸福，退后一步是孤独。

2011-02-14T05:33:00.001-08:00

人要勇敢争取，生活才会精彩。

希望 2011能有突破，再会吧，单身。

Make your own Ang Pau

2011-02-14T04:38:00.000-08:00

Chinese New Year is always the time I anticipate for because I know I will get a lot Ang Pau. But as soon as you are working, Ang Pau is no more for you. Loso teacher this year decided to make his own Ang Pau by learning investment, thanks my brothers for teaching me and exposing me with all this.

So far I manage to make 25% on paper profit in stock while only 2.8% in Public Mutual. Although the amount is nothing much, its a great start for me. I will continue explore more methods to make money since I hope to be rich teacher rather than a poor teacher. I believe everyone has the equal rights to win a wealthy and prosperous life. Let's start early with these 5 simple steps- work, earn, save, learn and invest.

Working is crucial for everyone as it will generate earning for you steadily every month. When you have your pay, most of us would usually like to spend to comfort ourselves on our hardwork. Here, many did mistake by not making any savings. As a result, you will end up continuing miserable life where you complain on not having sufficient money because you finish up your pay almost every month.

Here, you would need to discipline yourself to save at least 30% or as much as possible. There are a few methods for saving like fixed deposit, public mutual, insurance and etc.

While you are saving up money, start learning on how to make your money earn money.While people always warn the risk of stock, mutual fund and other type of investments as gambling, it is not true at all if you learn properly. If you wanna gain something, you must sacrifice time and passion in exploring it. The same goes for investment when you have to read up. Books and internet resources are abundant, just waiting for you to dig in. Can you imagine there is a person who can make money without even selling any product or working and end up become billionaire? This guy actually make billions from just 100 thousands and he is Warren Buffet.

So, let's learn and start making your own Ang Pau. Happy invest from Loso Teacher.

My puppies.....

2011-01-25T04:34:00.000-08:00

2010-12-30T19:56:00.000-08:00

Goodbye 2010
2010 is a great year with a lot stuff being my first time.

First year in my official teaching career.

First year driving my own car.

First time buying mutual fund and stocks.

First time go Sabah and tried out padas white water rafting.

and a lot more that I forgotten. Hopefully 2011 will be a wonderful year like 2010. Happy new year.

2010-12-23T06:55:00.000-08:00

买了没起，起了没买。哈哈哈。
(I buy 1 no up, up 1 I no buy)

It's been a month since I started on my stock investment. Till now I bought in 3 shares, the first one I bought is MAHSING. I wonder why i bought it since the price hardly rise。 Recall back, may be I am too excited to earn money till I simply buy without doing much research. But I believe it is just a matter of time before it earns me money because I believe there are still people out there to buy the properties they build.

Because lack of capital, I only manage to add up new stocks after getting my pay. This time I am going to play safe so I picked high dividend yield share which is REIT that mostly offer around 7% dividend every year. I pick STAREIT that most probably going to give dividend on January 2011. Consider not bad since fixed deposit only offer 2.75%.

Besides this, I also wanna try my luck on some cheap stock. For this, I pick some cheap company related to oil and gas which is DAYA. I hope the company really got DAYA( Force) to go up. Haha.

As I learn along the way, I should have look into some of the research from these blogs that really look like pro before buying a share:

http://timcheeso.blogspot.com/search/label/non-plantation%20but%20own%20plantation%28on%204%20june%2009%29

http://tengkhan.blogspot.com/

http://klselivefeed.blogspot.com/

Advice from Loso Teacher, U better study it before U buy stocks. Else ur money can say bye bye to U any time. Hahaha. May the FORCE be with U.

2010-12-16T21:15:00.000-08:00

My saga is officially 1 year old

16 December is the date I got my car last year. So far I am still satisfy with it although there are some weaknesses that I cannot ignore.

Hmm, first of all, if you wanna look for a fuel efficient car, you have think twice before you pick saga. Consider my meter already achieve the digit shown in the picture below, let me count how much I spent on feeding it this year.
As an average, Rm10 fuel can drive this car around 55km.

The total amount of money I used for fuel this year would be
= 12805/55 x 10
= RM2328. 18

Consider my pay each month slightly higher than that figure, how can I ignore this scary fuel consumption if fuel price continue to rise. So here, I would like to let you know, buying a car is only a liability and not an asset since you wound need to continue feeding it.

Other than that, car only devalue and the amount is reducing in fast pace. I bought this car for RM44545 and now market value is only set on RM39000. I just cannot wait to settle my loan as soon as possible so that I can invest my money rather than spending on my car that continue to reduce in value. For those of you who wanna buy car, remember don't spend much on luxurious car and look for a fuel efficient options.

Mr Loso looking for money- part 4

2010-12-08T21:57:00.000-08:00

Haha...After so much time looking only, finally I bought my first stock. It is very exciting moment for me when I click on BUY.

Stocks- A term that I dono why when I mention of it, most people keep on warning me to be careful. Lol. Actually why so many people scare of it? It is by far the best investment method if you study it carefully.

Stock is only dangerous if you buy blindly which can be said as gambling. Of course gambling will not be considered as investment.

Though I haven't make any money from stock, let me share some experience with you on how to purchase stock.

Before you can start buying stock, you need to open a CDS account which is purposely for purchasing and selling stocks. You can apply this account from CIMB, Maybank, Public Bank or OSK. I personally chose CIMB I Trade since it offers me cheap trading charges that only around 0.2% or RM12. To make it easier to understand, recently I bought 8 lots of stock costing RM1456 and CIMB I trade only charged me RM16.

To apply CIMB I trade, you need to go only CIMB I Trade center and not ordinary CIMB bank. Please bring along your bank book preferably CIMB saving account, Ic and RM10. You can search for further information from this website: http://www.itradecimb.com.my/ . You can try the demo version as well and learn along the way.

There is a lot of websites that offer all kind of information on stocks. I personally using some of these to assist me, hopefully it can help you as well if you are interested.

http://www.oomoney.com/category/cold_eye/
( a website that teaches slowly on how to pick a good stocks with its ROE, PE, DY and NTA.)

http://www.klse.com.my/website/bm/market_information/prices/index.jsp
( a website displaying the stock price and its recent financial report)

http://biz.thestar.com.my/
( Star online newspaper that doing good job in providing information on business and stock report)

So I end this with a Chinese saying that I found very meaningful to share with you:
你不理财，财不理你。

2010-12-05T05:11:00.000-08:00

Mr Loso looking for money- part 3

After collecting certain amount of capital, the next stuff I look for is how to invest it. The first method I know is by fixed deposit which I thought at first the safest and should be able to earn me some money.

As I grew older, I find out this simply make the bank earning even more money yet I am only given a little bit interest. The interest rate is normally easily outrun by deficit. If you don't get the meaning of deficit, try to compare what you can buy with RM1 ten years ago with now. So, what for keep in bank if you know it is going to devalue?

So, I have learn something new this year which is to invest in mutual fund. If you wanna know more about any mutual fund, you can refer to the "mutual fund encyclopedia" website:
http://www.invest.com.my/personal/funds/

The first mutual fund I invested is from Public Mutual. As time goes by, I bought in 3 mutual funds which perform vary from each other. Some make me 9% earning while some even less than 1%. As average, I manage to make 5% profit from it so far which is at least higher than 2.75% from fixed deposit.

One advice for you guys who wanna invest, make sure this money is some extra pocket money that you won't be using up till 3 years or longer. This is just to make sure that you can keep in the mutual fund long enough till it earns you some money. You can refer to this page for price of each unit from Public Mutual.
http://www.publicmutual.com.my/application/fund/detail.aspx

So, how to start? You can actually buy through any agent that you can trust on or simpy straight go to any Public Bank or Public Mutual Center. For some more information, please refer:
http://www.publicmutual.com.my/

There are methods in making money from mutual fund which you can dig from a lot websites including this Chinese Cari website:
http://cforum2.cari.com.my/forumdisplay.php?fid=241

One of the most popular method is to do regular top up each month. This method ensure the price of the fund you bought in will be averaged down that deter you from buying a mutual fund with higher price when economy is doing good.

Keep an eye from time to time and invest more when the mutual fund drop, it will allow you to buy in more units and return you with higher profits. To avoid tedious work, you can apply online banking and online mutual fund account which available for Public Bank and Public Mutual.

2010-12-03T21:41:00.001-08:00

Mr Loso looking for money part 2

Since lottery is not the method, I start to think about second way which is the most popular method among teachers- tuition. I have been giving tuition since back in university time but just for some pocket money.

Hmm, after one year teaching, tuition is not as easy as I thought it would be. First thing you will encounter is to find a vacancy. Normally there are two options- home tuition or tuition center.

Lets talk about home tuition first. The advantage of home tuition are as below:
a) normally only one or two person so less distraction.
b) pay is negotiable which can earn you at least rm20 per hour.

The disadvantage of home tuition:
a) rather hard to find especially if you are new teacher.
b) high expectation from parents.

For tuition center. The advantages are:
a) easy to find vacancy, a lot new center looking for school teachers.
b) no need to worry about number of students, there will increase from time to time.

The disadvantage of tuition center:
a) pay is being divided according to portion either 50:50 or 40:60 so less pay if few students.
b) students quality are hard to control.
c) a lot distraction especially for younger students who like to play.

Both of these have pros and cons, but tuition definitely is the perfect option to earn some extra money.

2010-12-02T03:26:00.000-08:00

Mr Loso looking for money....Part 1

Money not enough!!! Think I am not the only person who think like that. Looking back 1 year I have been working, my account still only 4 digits. Haiz. When can I get rich?

Though people use to say be teacher only "cukup makan" (enough eat) but I believe everyone have the equal rights to get rich regardless of what field he involved in.

When there is a will, there is a way. I turn my first hope on something quite impossible. Lottery. Hmmm. U might think why is it impossible when there are persons out there already getting rich with millions after winning the jackport. So here, let Loso teacher count the probability of winning lottery ticket for you.

For example, the tickets with four digits.
Sample space= 10x 10x 10 x 10 = 10000 ( There are 10 possible digits from 0-9 )
There are actually 10000 possible combination for 4 digits, meaning if you buy any XXXX,
the probability of winning= 1/10000 = 0.0001

The tickets with six digits.
Sample space = 10 x10 x10 x10 x10 x10= 1000000
the probability of winning= 1/1000000= 0.000001

So as you can see the more digits, the lesser the probability of winning. Yet, I keep on seeing people buying as if they are very confident in winning it. I wonder how to get my hand on such shop selling the tickets rather than buying it. Imagine with a piece of ticket that only cost not even 10 cent and the probability of winning so few. It is definitely the tauke selling that is the winner. Below I share short video clips of famous Singapore movie about lottery.

Haha....Definitely this is not the proper route to get rich. I will share again with you in part 2 what I have done in my quest of finding money.

2010-11-30T04:00:00.000-08:00

If you got 20 million...

Haha, I bet everyone sure dream of being rich before. Well, Loso teacher me of course like money. Before becoming a teacher, I used to aim being a rich man. Though people say money is the root of evil, I rather get rich than being poor. However, I just don't know how to get rich.

Before long, I come across newspaper with advertisement mentioning jackport which accumulate till 20 millions. Wah, that's really tempting. Imagine if I can have that 20 millions, I will be certainly a rich man. With the law of attraction, I knew that I would have to buy myself some jackport tickets before I can have my chance for that money.

After find here find there, look up look down, finally I found some uncles selling such tickets. Haha. I wonder why always old uncles selling such tickets especially if you are from west Malaysia, they will always come to you when you are having your meal.

I pick blindly because I know any number will have the equal probability to win. Then, I wait and wait for the day to come. Looking at the ticket, I start my day dreaming again.

Hmmm. If I have 20 millions, the first question come to me- Will I still be Loso teacher? Haha. With that kind of money, I think I can live happily even just shake shake leg back home. How many of us will still working if you haven 20 millions? Haha.

So here, I would like to ask you. Would you give up 20 milions for your job? If you say "YES", then I congrats you for having the career of your life. But how many of us will say "YES"? Haha. Try think about it.

2010-11-19T19:31:00.000-08:00

Benefits of being teacher

Very soon, there will be another batch of new teachers coming in. I guess you must be wondering what are there to explore especially benefits of being teacher. Haha. Of course when you pick your career, you must have at least some interest in it and of course career benefit is a must as well.

First of all, I think all should know "holidays" is always the best benefit for teachers. Let say for example for the year 2011, school days are only 210 days out of whole year of total 365 days. That means we have 155 off days. Woo hoo......Who don't like holidays anywhere? Haha.

Then, lets explore the pay of being a new teacher. Most of the new teachers nowadays probably have a bachelor degree with honours. So you will be posted with gred DC41 P1t5 with your starting pay listed as below:

Basic for DC41- P1T5= RM1901.8
Allowance = RM 300+ 300
Total = RM 2501.8

The above is only a rough figure for you as a new teacher as some of the allowance varies with the state you are teaching, for example Sarawakian will have state allowance which is 17% of their basic and increase along with the basic while for West Malaysia only have COLA which fixed at RM300 per month. So after deducted from KWSP, you should have around RM23++ which not bad at all for new university graduates.

Then after some time around half a year, you will be called for an interview that is a crucial process for you to be confirmed in your post as a permanent teacher. Remember DC41 is only a temporary teacher where you will not get the extra benefits of being permanent like borrowing money from government to buy house and so on.

Of course, the most obvious benefit after being confirmed is to have extra allowance called housing allowance which is around RM250 each month and your grade will switch to DG41 P1T4. By then, your pay will rise again around 300 making the total around 26++ after deducted from KWSP. I think this pay is almost the same as being a new engineer.

There are some more other allowance if you get to be sent inter state for example you are Penang kia and you are send to Sarawak or even into the remote area which classified as P1- Rm500, P2- Rm 1000 and P3- Rm1500. The most will be at Sabah which I myself not clear about it. There are some more allowance if you going to teach English, Science and Maths called as BISP which around 5% of your basic. All you need is just explore along the way. So who say being teacher not good? Haha. Think again. I guess you just didn't find it out the details.

Steel Bowl Vs Glass Bowl

2010-09-26T03:23:00.000-07:00

Hmmm....When you step into teaching, people always congrates you for having a "steel bowl". Guess many will understand if you are a government servant. Work is secure and will have a steady income. Though some post will have slightly some terms and conditions but mostly it will be very safe till you retire and get your pension.

When I receive the news of being tutor, i see this as an opportunity to gain better future. Yet after some time making it clear, tutor post can simply be explained as "glass bowl"- nice to see, nice to hold, once broken consider sold. Haha. This is what i always saw in the shops that display a lot glass items.

Though it is a really good opportunity, yet it promises me nothing but a contract of 2 years. Plus one of the terms-“ You may be terminated any time without any reason”， really make me stunned some time. This "glass bowl" may crack any time. Haha. It may look nice and beautiful from appearance but it is full of risks.

Guess I am just not the type that can take this risk and go for it. I wonder if after 2 years and become jobless, what can I do? I have considered a lot and asked a lot people. Some encourage me and some consult me. Thanks to all my friends for your advice. I am also thankful for being given this opportunity for me to consider deeply. Now is time for me to look into my job and make sure I be the best form. I end this with some Chinese saying as below.

选你所爱，爱你所选，行行出状元。。。。。。

Never cry for spilled milk.

2010-09-24T22:41:00.000-07:00

Well, I do have some couples of memories that I regret of. It is always because I made the wrong choice and I did the wrong stuff. But the past will never change again so it is useless to waste time and think about it.

Now a similar situation occurs to me again. It happens to me that the post I applied months ago finally give me a green light and I am offered being a tutor in a local university with promise on free master study. This is really tempting. Though the teaching life for me now is very comfortable and I am kind of indulge myself with the benefits. I still feel some part inside me empty, I want something more, may be it is the job satisfaction or the need to gain back my passion for working.

Here I list down some of the benefits for both of the choices.

Benefit of being teacher

Benefit of being tutor

1. Holiday a lot. A lot time to go for vacation.

2. Pay is quite high and working hour is very short.

3. Easy work specification.

4. Steady life and easy to master the syllabus.

5. Can earn extra through tuition.

1. Free study for master.

2. Possible to have better students.

3. Possible higher job satisfaction.

4. Possible higher pay next time.

5. Challenging life.

6. Continuous learning.

7. More promote opportunity.

8. Wilder career scope.

9. Route full of ambitious.

And of course, everything is not perfect and of course there will be accompanied with the negative side any of the choice. Here I list down some.

Negative of being teacher

Negative of being a tutor

1. Rather bored life with everyday seeing the same naughty students.

2. Slow increase in pay next time.

3. Lack of motivation towards working.

4. Need to in charge for sport and extra core curricular.

1. Most of the benefits are only “possible”.

2. Possible of highest stress.

3. Never know what will happen next.

4. A route full of no promises.

5. Possible of being fire within tutor contract period.

Hmmm…..I still have 5 more days for me to decide. Though at first I feel like going for tutor. But after thinking through, there are too much possible outcomes for that route, yet if I pick and continue be a teacher, will I regret again? Mr Loso is in dilemma

不要认为自己没有用

2010-09-21T05:31:00.000-07:00

ANGRY

2010-09-21T04:51:00.000-07:00

Anger always bring devastating effect. Its a terrible feeling yet many just cannot control their emotion when anger come.

I used to have anger as my motivation to be better. The last time I got angry, I went learn swimming and now a competent swimmer after a friend critic me. That don't sound so bad at all. But now, I am kind of regret why I got angry so easily, leaving behind bad image and nothing benefit at all during my Sabah trip.

I also clueless about the reason I angry for, may be it is envy, may be it is just I care too much on what people say especially friends. I should have enjoy myself to the fullest and have fun with these friends that seldom met with each other after graduation.

I think now I just angry at myself for being angry and compare myself with others. Haha. So I will use this to motivate myself for better EQ and try my best not to get angry again. Anger is just for loser. And certainly Mr Loso dont want to become Mr Loser. Haha.

A meaningful story.

2010-08-30T21:08:00.000-07:00

Five children were playing a wishing game. Each had a chance to have a go at it. Each had to answer “if you have a wish, what will it be?” The child with the best wish would win. Here was what each said…

Child #1: I’m going to wish for a McDonalds Burger. *Smacking his lips* Make it double everything!

Child #2: I’m going to top that. I wish that I own a McDonalds restaurant. Then, I can have as many burgers as I want.

Child #3: That’s an easy wish to beat. I’m going to wish for one billion dollars. That way, I can easily afford a McDonalds restaurant, all the video games I can have and lastly, I can buy a school so that I don’t have to turn up for classes if I don’t wish to.

Now Child #4 was a smart kid. He wanted all that his friends have wished. He thought carefully before answering.

Child #4: If I have a wish, I’m going to wish for three more wishes. With my first wish, I am going to ask for a McDonalds restaurant. With my second, I’m going to wish for one billion dollars. With my third, I’m going to wish for another three more wishes. That way, I can go on forever! Child #4 felt smug for he thought he was brilliant. The first three friends thought he was a genius too. What can possibly be superior to a wish for an infinity of wishes? They were not quite prepared for the best answer of them all.

The answer from the fifth child. Here was what he said…. “If I have a wish, I am going to wish that I will be so content that I do not need any more wishes.”

2010-07-18T05:29:00.000-07:00

Never again

Its my second time watching a movie from the first row, I am quite sure there won't be third time. It is really awful feeling of staring screen that close with sound system exploding your ear. Your eye will be busy catching the action here and there. You cannot adjust the seat and that you must hold your shoulder as straight as possible to watch. What a waste, I paid money to get myself suffer. Even worst is bringing some friend along to accompany me suffer. Oh, so embarrassing, never again.

2010-07-10T19:45:00.000-07:00

A day with the parents.
This is my second time being a teacher meeting with the parents. Know what? Some scenario really make me don't know cry or laugh.

Scenario 1
This grandpa complain to me that his grandson just don't want to come to school and would rather sleep at home. So he ask me how to make him come to school? Haha....I am only a teacher, if family members also cannot make him come to school, can teachers?

Scenario 2
This student score almost all E in his exam. I made a joke with his parents. If E stands for Excellence, then his child is awesome but too bad in Malaysia E stand for very weak. However, parents do understand their child's condition and hopefully he can change his behaviour.

Scenario 3
Here come another type of family that ask for money. Well, schools are not banks. Don't use your child to become money tree. Please la.

Scenario 4
Some parents that are too "democratic" that to let the child decide for themselves. They told me if their child willing to study, then it is good but if them didn't, it is no big deal also. Haha...Think it is no big deal for me as well. Haha.

Scenario 5
When I warn some parents of their child involve with some bad stuff, they actually show me some helpless look as well that they can do nothing to control their child.

And many more situation.....Think if parents cannot help their own child, can teachers? So before you decide to have a family and any children, please think clearly if you can raise them up properly. Don't just let them be as if it has nothing to do with you. Parents need to show concern and cooperate with teachers. I really hope these kids can have a better future tomorrow.

2010-06-24T05:39:00.000-07:00

D Day I know What is SPR

Wah...When I first first know when I will be posted, I am so ki teong where I will be send to. I always imagine some deep deep jungle waiting for me and I need to live like Tarzan's life. I am so scare of crossing river because there are crocodile here and there in Sarawak river. Every now and then sure got people become crocs' meal.

Lucky me, I got it just 25km from my home so I am si beh happy. (Yeah, no need crossing river. Haha.) But very soon, I find out my school is SPR so I start to wonder...

Hmmm...
SPR - Suruhan Pencegah Rasuah?
- Suruhan Pilihan Raya?

and bla bla la......
But nothing I can think of that got connection with schools.

End up the real meaning is Sekolah Prestasi Rendah. Wah, I think d government really creative until name it SPR.....

But never mind, with my full determination and my loso kungfu. Think is no problem for me to educate these people. Its just like Malaysia stock during 1997 and I will be d savior to bring these students towards Malaysia 2020. Haha...Then I can become si beh lihai teacher lia...

I teach and teach every day, loso as much as possible.....Finally exam coming and I am so excited to mark my paper. While I look through the paper, I wonder how come d paper is so clean and just like brand new. Walao, are these students answering or not? Why look like playing Toto, cincai put one number and hope will kena 1. So you know la, gambling 10 times sure 9 time is losing. So every 10 papers I mark, only 1 survivor......That night I mark till my cold sweat also come out....Die lia, I wonder am I teaching properly or not....

So in d next day, I quick quick do some investigation to see whether other classes did that bad as well. End up, it has been like this for almost seven years lia....OMG, how to become savior ? Recently my school is top 4 again but counted from behind.....Haiz, how loso teacher going to win this tough battle?

2010-06-19T22:37:00.000-07:00

The day is coming

Haha...Can you guess which day Mr Loso most fear of? Try think what day will make a new teacher like me feel so uncomfortable. May be you will think of government interview, exam and other stuff that I have it all done d....Haha...

Well, it is d day seeing parents la. Its not my first time though but I am still kinda blur to say anything to parents. If I loso too much, may be both the student and parent feel so sien. If I didn't loso out d truth, I feel so wrong also... Haiz, still consider what to say seeing all the marks red red like that...

Just to let you know how poor these students did for study. Out of the whole class 37 students, only 3 manage to pass mathematics. So, here I put some option la...Pls do help me to pick 1.

Should I say
A. Encik, anak encik ada sikit "______", banyak kena usaha lagi...Belajar kuat kuat.

Or

B. Saya tengok anak encik memang ada usaha tapi nampaknya usahanya tak cukup lagi, kena banyak lagi usaha.

Or

C. Anak encik suka cakap dalam kelas, rokok, pukul, kerja rumah tak buat dan apa tak diajar semua pandai tapi hanya study tak pandai.

Or

D. Saya rasa anak encik perlu fikir baik-baik sama ada dia ni mau belajar, asyik kacau kawan dan tidak bekejasama semasa P&P.

Haha...If I pick C or D, think I will create more enemy than friends. So most probably I think I will pick A or B. But this some what not saying the truth about d student's behavior. What do you think? Should I speak d truth or not?

Mr Loso loso finish liao.....

2010-06-18T04:55:00.000-07:00

Walk one step see one step….
Mr Loso come out loso again….Long long time ago before Mr Loso turn into Loso Teacher…I use to dream driving BMW, Mercedes, Sport car and bla bla bla…

These are what I called car...........

Now I end up driving Proton Saga which I last time name it 笨蛋傻瓜 or it means stupid egg dumb melon ……!@#$%^&*

Living in big house and no worry for $$$....In fact now I everyday need to save $$$, safe safe spend so that I not pokai end of the month…Pay my poor car spend almost half my pay, not to say the car I dream of….Haha…..Why different so much from dream one?
Feel much better after loso out....Haha

2010-06-16T20:32:00.000-07:00

Some funny and interesting commercials....Can't stop laughing..

2010-06-16T20:11:00.000-07:00

Take a look at these funny commercials

Kung Fu Baby

Thailand style Forest Gump

Funny baby

2010-06-16T09:03:00.000-07:00

Funny scene capture
Haha...See this ex president read book...

See the bottom...Got hand phone...

During those time got aeroplane already.....

Do you think you can shoot without pulling trigger???
Cut cut cut...Hide your watch la...

2010-06-16T08:37:00.000-07:00

These the reasons why teachers so stressful nowadays......

2010-06-14T06:22:00.000-07:00

Tips for a better life......
1. Take a 10-30 minutes walk every day. And while you walk, smile.
2. Sit in silence for at least 10 minutes each day.
3. Sleep for 7 hours.
4. Live with the 3 E's -- Energy, Enthusiasm, and Empathy.
5. Play more games.
6. Read more books than you did in 2007.
7. Make time to practice meditation, yoga, and prayer. They provide us with daily fuel for our busy lives.
8. Spend time with people over the age of 70 & under the age of 6.
9. Dream more while you are awake.
10. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.
11. Drink plenty of water.
12. Try to make at least three people smile each day.
13. Don't waste your precious energy on gossip.
14. Forget issues of the past. Don't remind your partner with his/her mistakes of the past. That will ruin your present happiness.
15. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
16. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.
17. Eat breakfast like a king, lunch like a prince and dinner like a beggar.
18. Smile and laugh more.
19. Life is too short to waste time hating anyone. Don't hate others.
20. Don't take yourself so seriously. No one else does.
21. You don't have to win every argument. Agree to disagree.
22. Make peace with your past so it won't spoil the present.
23. Don't compare your life to others'. You have no idea what their journey is all about. Don't compare your partner with others.
24. No one is in charge of your happiness except you.
25. Forgive everyone for everything.
26.. What other people think of you is none of your business.
27. However good or bad a situation is, it will change.
28. Your job won't take care of you when you are sick. Your friends will. Stay in touch.
29. Get rid of anything that isn't useful, beautiful or joyful.
30. Envy is a waste of time. You already have all you need.
31. The best is yet to come.
32. No matter how you feel, get up, dress up and show up.
33. Do the right thing!
34. Call your family often.
35. Your inner most is always happy. So be happy.
36. Each day give something good to others.
37. Don't over do. Keep your limits.

2010-06-14T06:20:00.000-07:00

人啊！

沒錢的時候，養豬；
有錢的時候，養狗。

沒錢的時候，在家裡吃野菜；
有錢的時候，在酒店吃野菜。

沒錢的時候，在馬路上騎自行車；
有錢的時候，在客廳裡騎自行車。

沒錢的時候想結婚；
有錢的時候想離婚。

沒錢的時候老婆兼秘書；
有錢的時候秘書兼老婆。

沒錢的時候假裝有錢；
有錢的時候假裝沒錢。

人啊，都不講實話：

說股票是毒品，都在玩；
說金錢是罪惡，都在撈；

說美女是禍水，都想要；
說高處不勝寒，都在爬；

說煙酒傷身體，就不戒；
說天堂最美好，都不去!!!

當今社會，窮吃肉，富吃蝦，領導幹部吃王八；
男想高，女想瘦，狗穿衣裳人露肉；

過去把第一次留給丈夫；
現在把第一胎留給丈夫。

鄉下早晨雞叫人，
城裡晚上人叫雞；

舊社會戲子賣藝不賣身，
新社會演員賣身不賣藝。

人生是什麼?
只用了 4 4 個字 , 就把人生講完了 ...
所以人與人 , 有啥好計較的咧 ?
快樂好相處比較重要啦！

1 歲時 出場亮相
10 歲時 功課至上
20 歲時 春心盪漾
30 歲時 職場對抗
40 歲時 身材發胖
50 歲時 打打麻將
60 歲時 老當益壯
70 歲時 常常健忘
80 歲時 搖搖晃晃
90 歲時 迷失方向
100 歲時 掛在牆上

祝大家愉快，好好做人!

2010-06-14T06:04:00.000-07:00

LOVE
爱的感觉，总是在一开始觉得很甜蜜，
总觉得多一个人陪、多一个人帮你分担，
你终於不再孤单了，至少有一个人想著你、恋著你，
不论做什么事情，
只要能一起，就是好的，
但是慢慢的，随著彼此的认识愈深，
你开始发现了对方的缺点，
於是问题一个接著一个发生，
你开始烦、累，甚至想要逃避，
有人说爱情就像在捡石头，
总想捡到一个适合自己的，
但是你又如何知道什么时候能够捡到呢？
*她适合你，那你又适合她吗?
其实，爱情就像磨石子一样，
或许刚捡到的时候，你不是那么的满意，
但是记住人是有弹性的，
很多事情是可以改变的，
只要你有心、有勇气，
与其到处去捡未知的石头，
还不如好好的将?

*在某个聚餐的场合, 有人提议多吃点虾子对身体好，这时候有个中年男人忽然说「十年前，当我老婆还是我的女朋友的时候，她说要吃十只虾，我就剥二十只给她！现在，如果她要我帮她剥虾壳，开玩笑！我连帮她脱衣服都没兴趣了，还剥虾壳咧！

*听到了吗？明白了吗？
难怪越来越多人只想要谈一辈子的恋爱，却迟迟不肯走入婚姻。
因为，婚姻容易让人变得懒惰。
如果每个人都
懒得讲话、
懒得倾听、
懒得制造惊喜、
懒得温柔体贴，
那么夫妻或是情人之间，
又怎么会不渐行渐远渐无声呢？
所以请记住：
有活力的爱情，
是需要适度殷勤灌溉的，
谈恋爱，更是不可以偷懒的喔！

*有一对情侣，相约下班後去用餐、逛街，可是女孩因为公司会议而延误了，当她冒著雨赶到的时候已经迟到了30多分钟，他的男朋友很不高兴的说：你每次都这样，现在我甚么心情也没了，我以後再也不会等你了！刹那间，女孩终於决堤崩溃了，她心里在想：或许，他们再也没有未来了

*同样的在同一个地点，另一对情侣也面临同样的处境；女孩赶到的时候也迟到了半个钟头，他的男朋友说：我想你一定忙坏了吧！接著他为女孩拭去脸上的雨水，并且脱去外套盖在女孩身上，此刻，女孩流泪了, 但是流过她脸颊的泪却是温馨的。

你体会到了吗？
*其实爱、恨往往只是在我们的一念之间！

爱不仅要懂得宽容更要及时，很多事可能只是在於你心境的转变罢了！
懂了吗？
当有个人爱上你，而你也觉得他不错。
那并不代表你会选择他。
*我们总说：我要找一个你很爱很爱的人，才会谈恋爱。
但是当对方问你，怎样才算是很爱很爱的时候，
你可能无法回答他，因为你自己也不知道。

*没错，我们总是以为，我们会找到一个自己很爱很爱的人。
可是後来，当我们猛然回首，我们才会发觉自己曾经多么天真。
假如从来没有开始，你怎么知道自己会不会很爱很爱那个人呢？
其实，很爱很爱的感觉，是要在一起经历了许多事情之後才会发现的。
或许每个人都希望能够找到自己心目中百分之百的伴侣，
但是你有没有想过在你身边会不会早已经有人默默对你付出很久了，只是你没发觉而已呢？
所以，还是仔细看看身边的人吧！
他或许已经等你很久喽！

*当你爱一个人的时候，爱到八分绝对刚刚好。
所有的期待和希望都只有七八分；剩下两三分用来爱自己。
如果你还继续爱得更多，很可能会给对方沉重的压力，让彼此喘不过气来，完全丧失了爱情的乐趣。

*所以请记住，
喝酒不要超过六分醉，
吃饭不要超过七分饱，
爱一个人不要超过八分

*那天朋友问我：到底该怎么做才算是爱一个人呢？
我笑著跟他说：其实每个人的爱情观都不一样，说对了叫开导，但就怕说错反倒变成误导。那就糟糕了！

*如果你也正在为爱迷惘，或许下面这段话可以给你一些启示：
爱一个人，要了解，也要开解；
要道歉，也要道谢；
要认错，也要改错；
要体贴，也要体谅；
是接受，而不是忍受；
是宽容，而不是纵容；
是支持，而不是支配；
是慰问，而不是质问；
是倾诉，而不是控诉；
是难忘，而不是遗忘；
是彼此交流，而不是凡事交代；
是为对方默默祈求，
而不是向对方诸多要求；
可以浪漫，但不要浪费；
可以随时牵手，但不要随便分手。

2010-06-14T05:58:00.000-07:00

Good Jokes ~

Teacher: Ah Kau, if your father

has $10 and you ask him for $6,

how much would your father still have?
Ah Kau: $10.
Teacher: You don't know Maths.
Ah Kau: You don't know my father la!

Mother: David, come here.
David: Yes, mum.
Mother: You really disappoint me. Your

results are getting worse.
David: But but but....I will only get my

report card tomorrow ???
Mother: I know that, but I'm going Hong

Kong tomorrow so I'm scolding you now.

Father: Why did you fail your Mathematics Test?
Son: On Monday, teacher said 3 + 5 = 8
Father: So?
Son: On Tuesday, she said 4 + 4 = 8.
On Wednesday, she said 6 + 2 = 8.
If she can't make up her mind, how I

know the right answer one ???

Girl: Do you love me?
Boy: Yes Dear.
Girl: Would you die for me?
Boy: No la, mine is undying love only !

Man: How old is your father?
Boy: Same as me la.
Man: How can that be?
Boy: He only became a father when I born lo!

Teacher: Simon, your composition on

'My Dog' is exactly the same as your brother's.

Did you copy his?
Simon: No la, teacher. It's the same dog!

Father: Your teacher says she finds it

impossible to teach you anything!
Son: That's why I tell you she's no good!

Teacher: Where were you born?
Student: Singapore , Sir.
Teacher: Which part?
Student: All part of my body lo.

A boy came home from school with his

exam results.
Father: What did you get?
Boy: My marks are under water.
Father: What do you mean 'under water' ?
Boy: They are all below 'C' (sea) level lo.

2010-06-13T05:49:00.000-07:00

Before and after famous

These are few very famous artists....

Haha...Guess many don't know who is this in the final photo....This is Mr Loso...^^

Which is most important- wealth, love or success?

2010-06-13T04:44:00.000-07:00

A woman came out of her house and saw 3 old men with long white beards sitting in her front yard. She did not recognize them. She said 'I don't think I know you, but you must be hungry. Please come in and have something to eat.'

'Is the man of the house home?', they asked.

'No', she replied. 'He's out.'

'Then we cannot come in', they replied.
In the evening when her husband came home, she told him what had happened.
'Go tell them I am home and invite them in!'
The woman went out and invited the men in'

'We do not go into a House together,' they replied.

'Why is that?' she asked.

One of the old men explained: 'His name is Wealth,' he said pointing to one of his friends, and said pointing to another one, 'He is Success, and I am Love.' Then he added, 'Now go in and discuss with your husband which one of us you want in your home.'

The woman went in and told her husband what was said. Her husband was overjoyed. 'How n ice!!', he said. 'Since that is the case, let us invite Wealth. Let him come and fill our home with wealth!'

His wife disagreed. 'My dear, why don't we invite Success?'

Their daughter was listening from the other corner of the house. She jumped in with her own suggestion: 'Would it not be better to invite Love? Our home will then be filled with love!'

'Let us heed our daughter's advice,' said the husband to his wife.
'Go out and invite Love to be our guest.'
The woman went out and asked the 3 old men, 'Which one of you is Love? Please come in and be our guest.'

Love got up and started walking toward the house. The other 2 also got up and followed him. Surprised, t he lady asked Wealth and Success: 'I only invited Love, Why are you coming in?'

The old men replied together: 'If you had invited Wealth or Success, the other two of us would've stayed out, but since you invited Love, wherever He goes, we go with him. Wherever there is Love, there is also Wealth and Success!!!!!!'

MY WISH FOR YOU...
-Where there is pain, I wish you peace and mercy.
-Where there is self-doubting, I wish you a renewed confidence in your ability to work through it.
-Where there is tiredness, or exhaustion, I wish you understanding, patience, and renewed strength.
-Where there is fear, I wish you love, and courage.

Some very nice lesson about life.

2010-06-12T21:41:00.000-07:00

Click the picture to see the quote on the picture clearer....

Friendship Forever

2010-06-12T21:30:00.000-07:00

What would you do if every time you fell in love with someone you had to say good-bye?

What would you do if every time you wanted someone they would never be there?

What would you do if for every moment you were truly happy there would be 10 moments of sadness?

What would you do if your best friend died tomorrow and you never got to tell them how you felt?

What would you do if you loved someone more than anything else and you could never have them?

Some people live and some people die

But I want to tell you I love you

That I will always be here for you when and if you need me...

If I died tomorrow, you would be in my heart
forever.

Would I be in yours?

You might be best friends one year, pretty good friends the next year, don't talk that often the next year, and don't want to talk at all the year after that.

So, I just wanted to say, even if I never talk to you again in my life, you are special to me and you have made a difference in my life.

I truly cherish you.

Quick eye check....

2010-06-12T20:49:00.000-07:00

> >>
> >> RRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR
> >> RRRRRRRRRRRBRRRRRRRRRRRRRRRRRRRR
> >> RRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR
> >> RRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR
> >> RRRRRRRRRRBRRRRRRRRRRRRRRRRRRRRR
> >> RRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR
> >>
> >> Once you ' ve found the b
> >>
> >> Find the 1
> >>
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII1IIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >> IIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIIII
> >>
> >> Once you found the 1..............
> >>
> >> Find the 6
> >>
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999699999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >> 9999999999999999999999999999999999
> >>
> >> once youve found the 6...
> >>
> >> Find the N (it's hard!!)
> >>
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMNMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >> MMMMMMMMMMMMM
> >>
> >> once you've found the N...
> >>
> >> Find the Q...
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOQOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >> OOOOOOOOOOOOOOOOOOOOOOOOOOO
> >>

為什麼哭 ( 一個真實的故事 )

2010-06-12T20:48:00.000-07:00

發生在中國的一個真實的故事。

~
滿載乘客的長途客車行馳在盤山公路上。

山間公路上三名持槍歹徙居然盯上
漂亮的女司機，強迫中巴停下，
要帶女司機下車去「玩玩」。

女司機情急呼救，全車乘客噤若寒蟬。

只有一中年瘦弱男子應聲奮起，
卻被打傷在地。這位男子氣極，
奮起大呼全車人制止暴行，卻無人響應，
任憑女司機被拖至山林草叢。

半個時辰後，三歹徒與衣衫不整的女司機
歸來回到車上。車又將行 ~~~
女司機要被打傷流血的瘦弱男子下車。
男子不肯，僵持起來。

" 喂，你下車吧，我的車不拉你！ "

中年男子急了，說：「你這人怎麼不講道理，
我還救你呢，難道我還錯嗎？」

「你救我？你救我什麼了？」
女司機矢口否認，引得幾個乘客竊笑。

中年男子氣極，恨自已身無大俠之力！
救人未救成，可也不該得此 ~~~
被驅逐下車的結果呀，他堅決不下。
「再說我買票了，我有權坐車！」

女司機揚起臉無情地說：「不下車，我就不開。」

沒想到的是，滿車剛才還對暴行熟視無睹的乘客們，
卻如剛剛睡醒般，齊心協力地勸那男子下車：
「你快下去吧，我們還有事呢，耽擱不起！」

有幾位力大的乘客 ~
甚至想上前拖這中年男子下車，
使人想起莫泊桑筆下【羊脂球】的情節。

三個歹徒咧著嘴笑，得意地笑了。
其中有個黑皮無賴毫不知恥地說：「哥們把她玩恣了！」
另外兩個歹徒也胡言亂語：「她是我對象，關你屁事！」

一場爭吵，直到那男子的行李從車窗扔出，
他隨後被推擠而下。

汽車又平穩地行駛在山路上，
女司機掠了一下頭髮，按響了收音機。

車快到山頂，拐過彎去就要下山了，
車左側是劈山開的路，右側是百丈懸崖。

汽車悄悄地加速了，女司機臉上十分平靜，
雙手緊握著方向盤，眼睛淌出晶瑩的淚水。

一歹徒似乎覺察到了什麼，說：
「慢點開，慢點開，你想幹什麼？ " 」

女司機並不說話，車速越來越快。
歹徒企圖撲上去搶方向盤，
汽車卻像離弦的箭向懸崖衝去。

第二天，當地報紙報導：伏虎山區 ~
昨日發生慘禍， 一中型巴士摔下山崖。
車上司機和十三名乘客無一生還 。

半路被趕下車的中年人看到報紙哭了，
誰也不知道他哭什麼，為什麼哭？

現在你知道他為什麼哭了嗎？
若你身在當時的情境，你會不會 ~
也像那個中年人一樣挺身而出呢？

這才是人心，這才是正常的社會！

如果您收到別人分享給您的好文章，
不要吝嗇，您也可以繼續分享給好友，
請別忘我這一份喔。

當我們用心對人時 ;
有心人將以熱情回報妳 ;
希望我們都是用心的人 ; 也是有心的人

World cup fever is here.....

2010-06-11T21:14:00.000-07:00

Hey....World cup is around the corner, want to test how good are your feet? Log into this website http://www.facebook.com/castrolmalaysia to try out the newest facebook game...Its so simple to play and you can win yourself some very awesome goodies as well..For more details and cool information, please click this webpage- http://networkedblogs.com/4KtTU.

Pulau Redang Trip- My Water Moments

2010-06-07T21:01:00.000-07:00

Beauty of nature

We went to Pulau Redang for a vacation few years back. We have fun and quite enjoying the moment when we were there. The environment and view is spectacular.

Being famous with coral and under sea view, snorkeling is a major attraction over there.
First time play with this stuff. Not bad at all.

We were amazed with the view under the sea. The water is very clear and coral reef is simply speechless to describe.

Coral reef easily seen from above.

Too bad our camera just cannot dive down with us. So everything we see will only keep in our memory. During snorkeling

Even some of my friends risk their camera to take some photo after snorkeling found out their camera damage after the trip.
The damaged camera

If I just have Sony TX5 that time, we would have get some pictures like these: (pictures taken from

http://www.coralredang.com.my/gallery.html)

We are going for snorkeling and water sport again in this coming September in Pulau Manukan, Sabah. For sure this time, we will get one Sony TX5 so that we can get some pictures that reminds us all the good times under sea.As saying goes- " a picture tells thousand words".

Take a look at the details of Sony TX5,

The compact Cyber-shot TX5 is built to be water-, shock-, dust- and temperature-proof! With features like Intelligent Sweep Panorama, Handheld Twilight and Anti-motion blur, TX5 give you the photographic power to shoot in style whenever, wherever.

Take a look at the inside of the camera,

• Water-proof (up to 3 meters)
• Handheld Twilight
• Intelligent Sweep Panorama
• “Exmor R” CMOS Sensor
• BIONZ Image Processor
• 25mm wide angle Carl Zeiss® Vario-Tessar lens

Standard Retail Price:
RM 1,499.00 *

With all there amazing functions and only for RM 1499.00. I really have to get myself one of this before I head to any trip again.

For more information, log on to http://www.sony.com.my/product/dsc-tx5

The Secret- The Law Of Attraction

2010-06-06T04:36:00.000-07:00

Well, if you ever come across this. Some may just think of this as a day dreaming talk. Some may even think it is not worth to listen to what it say. But I believe in this- the Law Of Attraction.

I can share my own experience here. I originate from a poor family where we used live in an old wooden house. I thought I would have to stay till that house collapse. May be it is hard for you to know how poor I was? Imagine it is around 6km from my house to my school but I rather walk just to save 20cent bus fee. Those days, I have to walk all the time because my home only had 2 old bicycles. I walk under all circumstances- heavy rain or under hot sun, some time I did feel ashamed while all my friends waving at me from their transport as if I am doing monkey show. But I did not give out going to school and always make sure I did my best in study.

As time goes by, I am now university graduate and life gradually become better. Not to say it is all because of this theory but to tell you that one must never give out under what ever circumstances and be positive in enduring every challenges.

Below is the summaries of "The Secret- The Law Of Attraction".

Great motivation video

2010-06-06T04:27:00.000-07:00

I never thought some blogger can be so funny.

2010-06-06T00:36:00.000-07:00

Walao, si beh kau lat....Some blog just si beh funny. Never imagine some Hokkien mix English can be so funny like what Jack Neo did in his earlier movie. Although some part of it I think not suitable for students or girl reader, think for adult guy is ok. Take a look at the Singapore blogs and some will make you eye opening and even laugh until si beh tahan. Special thanks to the gu lat blogger for writing a lot ho chio story.

You can go the address below and look for some very unique blog.
http://sgblogawards.omy.sg/

What happen if you got scolded???

2010-06-04T20:42:00.000-07:00

Nowadays one's EQ must be good, you will found yourself get scolded quite often especially those working people like me. For me, I have to control my emotion from time to time especially when dealing with problematic students.

Have you ever imagine students nowadays dare to scold teacher in front of all other students? This is real story from me. Once I taught in a quite problematic class where students are found rather hard to control. They actually go in and out like I am nothing till one day I stop some of them from continue the nonsense. So one of them actually shouted "Cibxi' at me, I can feel the anger all over my body and I think if I am not a teacher, I would have go in front and hit that boy to the ground, KO him. However, I know if i did that, my name will get pretty famous after that.

So I simply reply " don't you dare to shout me "cibxi', you come out from there, if you scold me like that, you are actually scolding your mom." Haha, that student just walked out of the class. Later, he returned quietly. Haha, think this method really work. You must be smarter in a quarrel, do not reply with harsh word but all you need is some reverse psychology. Improve your EQ and you will found everything trying to make you angry is nonsense in the end.

My Proton Saga SE experience

2010-06-04T19:09:00.000-07:00

I bought my own first car end of last year and guess what- I pick Proton Saga Se manual. While most of my friends go against my decision saying Proton is a problematic Malaysia product. I still consider my own and make my decision after surveying around and ask some friends who own Saga for some time.

I personally think this car is not bad at all. With cool stylish appearance and spacious interior, I think most guy will prefer Saga rather than Myvi which I think rather suitable for girls instead. With leather seat and extra skirting , this car cost me 44k.

However, nothing is perfect and here I share my own experience about this car after having it for half a year. Below is my own comment about Proton Saga:
a) this car is rather high fuel consumption- around 10-14km/liter depend on your driving style. I think may be it is normal for a car with 1300cc since last time I only drove smaller car like kancil and daihatsu which really low in fuel consumption.

b) the door of the car always got sound 'tik tik' when going through rather rough road. The door sometime also jam making it hard to open especially after sun bathing for whole day. May be the high temperature cause it to jam. Well, I don't really know what cause it for sure but most of the time, it function properly.

c) I think Proton Service center is another problem that deter people for buying it. Because back in Kuching, the 3s service center never open on Sunday. The most is only open half day on Saturday. Compare with the 2nd national car, Perodua did their service rather good with opening even on public holiday and their service charge also much cheaper than Proton.

d) the engine is rather noisy especially when you firstly start the engine. I always start the engine a couple of minutes before I drive it out when the sound of "tek tek" turn less a bit. I think this sound coming from the timing belt or IAFM and I actually go through some video clip in youtube that also share the same experience as me.

So far after six months of driving it, I only change a default door glass and its lock. The glass was found a bit crack and if you found your car do have a crack or any default, find your sales agent as soon as possible especially if you bought your car just a while. Never wait till first service because you will soon have a lot troubles convincing your sales agent that this crack is not cause by you. Always check whether there is any default when you firstly get your car. Here is all my advice, please leave a comment so that we can share and learn together.

What can you do during school holiday?

2010-06-02T23:17:00.000-07:00

Haha...As a teacher, I like school holiday the most. Haha. Guess all of us like holidays but what if the holidays is a little bit too long. Beside going traveling for a short vacation, what else can you do? Well of course you can hang around a lot places if you are rich enough. But for ordinary teacher like me, haha, money is a limited resources.

So, what else can you do? Enjoying some quiet moment may be nice but if too long, it will turn your life dull and bored. Nowadays, you can explore and find yourself so much entertainment by looking for something interesting online by reading some blog, learning something new and of course you can earn some money as well beside enjoying the game.

Here are some online game i found and its quite interesting. Who knows you will end up earn something nice?

Proton Saga 25th annivesary picture contest end on mid of june 2010.
http://www.sagasnapandwin.com/

Nestle and coffemate "Love Note Contest" end on 18th July 2010
http://www.nestle.com.my

Bonuslink "Football Fever sms" contest end on 30th june 2010
http://www.bonuslink2u.com.my

Biotherm Homme “Race to Gain” Facebook Contest end on 30th june 2010

http://www.Biotherm-Malaysia.com

And many more, its just need your patience to find more about it in the following website...
http://mycontest.wordpress.com/

Have fun and best wishes from Mr Loso.....^^

How much is enough???

2010-06-01T06:50:00.000-07:00

Haha....Ever meet anyone who say he or she is rich enough? Haha. Think even the richest person also never admit he is rich enough. Lol.

Well, for me working as a teacher, money definitely always "not enough". When a lot people saying teacher's salary is high, I think its just can be consider as "cukup makan" la. After buying a car, most of the income will contribute to car loan, maintainance and hopefully it can function properly. If not, that means I will need to squeeze some more from the already shrinking and thin wallet to repair it.

Living nowadays really cannot get yourself away from money. Almost everything have some sort of connection with $$. Now even our country are shouting for money, planning to cut subsidy here and there without considering much on how to increase citizen's income. Of course cutting down subsidy can make the country a bit richer but did the country leader ever realize it make the citizen even poorer? Imagine canceling subsidy, it will affect not only those stuff but it will also create a chain reaction where all stuff will follow the trend and burden their fellow citizen. Guess rich people just don't know how ordinary people live their life.

Money money, why are you always go faster than you come?

恋爱

2010-05-28T23:02:00.000-07:00

有些东西就是可遇不可求。人海茫茫，要遇到你喜欢又喜欢你的人一点也不简单。遇到了又不一定成为情侣，有时想,要是世上真有“心想事成”有多好。哈哈。