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BY JAMES OH

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MINDSET SHIFT: EMPLOYEE TO ENTREPRENEUR

MINDSET SHIFT: EMPLOYEE TO ENTREPRENEUR
BY JAMES OH

Saturday, April 11, 2009

IT IS OF SUPREMELY IMPORTANCE TO HAVE POSITIVE ATTITUDE

Dear Valued Visitors,

We are sure you heard the phrase "CHICKENS COME HOME TO ROOST, AND SO DO YOUR THOUGHTS." So, it is important to be extra careful as what sort of thoughts you send out.

It is important to note that the thoughts you send out to others will have a far greater impact upon you than upon them. Unlike material possession, when you release a thought or give it to someone else, it stays with you. It may remain buried in your subconscious mind long after your conscious mind has forgotten about it.

Like chickens that return to the coop at night, such thoughts may flash into your consciousness when you least expect them. When your thoughts are positive, you never have to worry about the damage you may do to yourself through negative thinking.

Cheerful, productive, happy thoughts that are buried in your subconscious mind bring positive results when they recur, and by their presence they encourage the maintenance of a positive attitude in all that you do.

Bear in mind that initial positive attitude is the supremely important in order to produce your desirable results.

Stay healthy and live happily,

From

James

Bold move made by New Prime Minister of Malaysia

Dear our valued visitors,

We like to share with you the bold move by our new PM and below please find the commentary made by the International Human rights group, reported in New York.



Reform Laws Used against Free Speech and Peaceful Assembly
April 6, 2009

Related Materials:
Malaysia: End Ban on Opposition Papers

The release of 13 detainees is a welcome surprise from Prime Minister Najib, who had long supported the Internal Security Act. We hope that his promise to review the law is genuine and that he realizes that it is a blight on the Malaysian justice system and the country’s reputation.

Brad Adams, Asia director at Human Rights Watch

(New York) - Malaysia's new prime minister, Najib Abdul Razak, should follow up on his surprise release of 13 detainees by promptly acting to rescind the internal security law, Human Rights Watch said today.

On April 3, 2009, his first day in office, Prime Minister Najib ordered the release of 13 detainees and promised that the government would review the Internal Security Act (ISA) under which they were held. The ISA permits indefinite detention without charge or trial. By April 5, all 13 had been freed, including eight terrorism suspects, three alleged forgers, and two leaders of the Hindu Rights Action Force (Hindraf). Three foreigners among them have been deported, while the 10 Malaysians remain under police supervision.

"The release of 13 detainees is a welcome surprise from Prime Minister Najib, who had long supported the Internal Security Act," said Brad Adams, Asia director at Human Rights Watch. "We hope that his promise to review the law is genuine and that he realizes that it is a blight on the Malaysian justice system and the country's reputation."

The detention of the Hindraf members exemplifies the government's long misuse of the ISA. The release of the two Hindraf leaders, V. Ganabatirau and R. Kengadharan, leaves three Hindraf members in ISA detention for more than 15 months for their part in organizing a massive demonstration on November 25, 2007, to protest educational and economic discrimination against Malaysian Indians.

Hindraf had held the rally even though the police had refused to issue a permit. All five have been accused of threatening national security by "upsetting harmony" among Malaysia's Malay, Chinese, and Indian communities. Inspector-General of Police Tan Sri Musa Hassan publicly stated, without providing any supporting evidence, that the five "clearly have links with international terrorist organizations and they are involved in activities that amount to inciting racial hatred."

"The government imposed the ISA instead of charging the Hindraf activists with credible criminal offenses," said Adams. "If it can't promptly charge them and others still held and give them a fair trial, it should release them."

Also on his first day in office, Prime Minister Najib lifted the ban on two opposition party newspapers, Suara Keadilan, published by Parti Keadilan Rakyats (PKR), and Harakah, published by Parti Islam Se-Malaysia (PAS). The ban had been imposed on March 23, 2009, and was widely seen as an attempt to limit opposition parties from getting their messages to voters before by-elections on April 7. Under the Printing Presses and Publications Act 1984, annual license renewal is mandatory for all newspapers. The Home Affairs Ministry can restrict or ban a publication outright on several vaguely defined grounds, but no legal remedy is available as the minister's discretion to grant, revoke, or suspend licenses is "absolute" and not subject to judicial review.

Human Rights Watch said that lifting the ban was an important step and called for a revision of the printing and publications law to ensure it was consistent with the right to freedom of expression.

The government also continues to use criminal defamation and other laws to undermine opposition politicians and critics of the government. Raja Petra Kamaruddin, founder and editor of Malaysia's most popular website, MalaysiaToday, was originally detained under ISA for demeaning Islam. He was freed on procedural grounds on October 7, 2008. The government is appealing the ruling. He also has been criminally charged with sedition under the Sedition Act 1948 and criminal defamation under the Penal Code on what Human Rights Watch considers to be a politically motivated charge of defaming a government leader.

Opposition parliamentarian and Democratic Action Party (DAP) chairperson Karpal Singh had been charged under the Sedition Act for remarks he made in relation to political changes in Perak, one of Malaysia's 13 states. And opposition leader Anwar Ibrahim is currently facing trial on politically motivated sodomy charges.

"If Prime Minister Najib wants to back up his claim as a reformer, he will repeal laws empowering the government to censor the media or to engage in dirty tricks used previously against political opponents," Adams said.

Also crucial for improving freedom of expression in Malaysia is repeal of the Police Act 1967, which mandates the need for a police permit for public assemblies of three or more people. In 2008 alone, the law was used to shut down peaceful vigils supporting the repeal of the ISA and to limit election rallies by opposition parties.

"Free expression and peaceful assembly are bedrocks of a rights-respecting society," said Adams. "Until Malaysia's government stops carving out legal rules to attack its political opponents, it cannot claim to be a modern democratic state."

Earn Money Online with Cashcrate and Cashle: Get Your First Payment!: Need Referrals: The Scoop on Using Referral Sites Like Getref

Earn Money Online with Cashcrate and Cashle: Get Your First Payment!: Need Referrals: The Scoop on Using Referral Sites Like Getref

Friday, April 10, 2009

Great Song

Dear valued visitors,


Here we like to share with you the great song, as below:-


Think about His love
Think about His goodness
Think about His grace


That has brought us through
For as high as the heaven's above
So great is the measure


Of our Father's love
Great is the measure
Of our Father's love


How could I forget His love
How could I forget His mercy


He satisfies, He satisfies
He satisfies, my desires


Even when I've strayed away
His love has sought me out and found me


He satisfies, He satisfies
He satisfies my desires


Trust you love this great song and sing it as often as possible.


James

To read other related article, please click at the title of this post.

The Real Blogger Status: Google Blog Search

The Real Blogger Status: Google Blog Search

Thursday, April 9, 2009

Ex-President Convicted of Death Squad Killings

Dear our valued visitors,

We write to bring you another great successful story, as reported below, from this honorable Human Rights Watch in helping to achieve a greater global justice.

April 9th, 2009

Dear Friend,

As I’m sure you have seen in recent news, the former president of Peru, Alberto Fujimori, was found guilty by the Peruvian Supreme Court on charges involving serious human rights violations. After years of evading justice, Fujimori is finally being held accountable for some of his crimes.

For a decade, from 1990 to 2000, the Fujimori government used bribery, extortion, and intimidation to concentrate power in the presidency, subverting the democratic process and eliminating checks on government abuses. In the trial, Fujimori was convicted of the killings of 25 people in two massacres in 1991 and 1992, carried out by a specialized squad of military intelligence officers. Human Rights Watch Senior Researcher Maria McFarland was in the courtroom for the ruling’s announcement.

In 2005, Human Rights Watch released a report that documented Fujimori’s abuses and presented evidence linking him to the perpetrators, helping build a case against him. We are proud that our report contributed to this important verdict. The court’s ruling is important because it demonstrates the crucial role an independent national tribunal can play in addressing past human rights abuses, even against a former head of state.

The landmark decision is part of a global trend of increasing accountability for former heads of state and other high-level abusers. Human Rights Watch is playing a leading role in seeing this change through, with the help of our supporters. And make no mistake – it is your support that enables us to expose the truth and apply pressure, bringing about the kind of deep rooted change that promotes global justice.

Sincerely,
Kenneth Roth
Executive Director

Peru: Fujimori Verdict a Rights Victory
Q & A: Trial of Former President Alberto Fujimori of Peru

Report Cover @ HRW 2009
Peru's former President Alberto Fujimori enters a courtroom at the Special Police Headquarters in Lima. January 23, 2008.


Support Human Rights Watch

Well done and wish you greater success in the near future. Let you shine forever and forever...

James

教育孩子,不只是幫孩子,也是幫自己

付出才有資格享受/陳雅玲/摘自:商業週刊第963期

看過太多有錢人的潮起潮落, 富邦金控投資長蔣國樑如何教孩子面對金錢? 在消費叢林裡,他又用什麼方法為孩子指引明路?

去年12月某一天晚上,蔣小妹在房間做功課, 上班回來的爸爸蔣國樑進入她房間,把信用卡帳單放在桌上。

他在這份帳單上用紅筆畫了一條線, 告訴女兒,「下面都是你去美國刷的,算一算總共多少錢?」

剛考上大學,11月跟媽媽到美國辦事的女兒,拿出當時收妥的收據, 一張一張核對,把她刷的項目,用螢光筆畫下來。

蔣國樑一旁拿出計算機,一筆一筆相加,然後不以為然的說, 「你總共要還我一萬元,你看,我上班都沒有你花得多。」

從這天開始,每個禮拜,蔣國樑只要一想到,就會裝出討債的聲音說: 「你什麼時候還我錢哪?」為此,女兒除了每天中午吃省一點, 不買衣服,乖乖讓爸爸扣零用錢之外,念服裝科系的她, 還得在家打工:幫爸爸燙襯衫、修改褲子。

1987年回國當上國際投信總經理、1999年被安泰人壽挖角擔任投資部資深副總、2003年被富邦金控禮聘為投資長的蔣國樑, 經常負責百億資產的投資;對於孩子,他的財富教育也毫不含糊。

家教一:有計畫的花錢 學舞要訂時限、目標,並考量效益

身為「企業家爸爸」,他用管公司的方法管小孩。 孩子要出國度假、購買三C產品,都要寫計畫書, 自己計算所需金額,編列預算,計畫資金來源。

他再跟孩子討論可行性、資金運用效益、爸媽相對補助金額等。 例如現在大一的女兒想學街舞,蔣國樑要她寫下的計畫書如下:

預定計畫執行時間:大二

所需經費:每個月兩千元(月票,可以上三十堂課)

上課地點:某某舞蹈工作室

計畫目標:兩個月學會完整的兩支舞

經費來源:一半從零用錢扣,一半爸爸補貼

這樣的做法,大概從他們高一時開始。 一開始孩子會嚷:「爸爸,我是你的女兒,不是你的員工。為什麼老是動不動就寫報告?」

他回答:「你們走在(消費)叢林裡,如果我不給你指一條明路,我就是害了你。」

因此,他對孩子的財富教育有兩個方向, 第一,須負擔自己的花費,量入為出。 第二,培養他們追求心靈上滿足的能力。

「再有錢的人,如果欲望無法滿足,永遠是貧窮的。」

一筆獲利交易、一樁成功的上市案、一趟績效奪冠, 就毫不手軟的「犒賞自己」上等牛排、干邑好酒的蔣國樑, 五年前一次心臟手術,醫生在他的胸口和小腿劃上一刀, 抽出腿部的一條靜脈,替換掉他心臟內塞滿油脂的血管。

「意外不知何時來到,你準備好了沒有?」有 過這樣的生死體驗,他常常跟孩子說:「心無掛礙,無所恐懼。」

在投資界二十年,他看過多少大企業家、名人,現在都不在了, 「不是看你有沒有錢,要看你有沒有紀律。」

吃喝玩樂,一天之間,多少錢都可以蒸發掉。心靈上的滿足,才是真的富有。

家教二:用勞力換金錢 出國旅費,做家事或打工自籌

為了讓孩子真正瞭解金錢的價值,蔣國樑堅持一條紀律: 「所有的錢,都要用勞力換取。」也就是, 除了學費、基本的生活開銷外,孩子的其他花費都必須由自己籌措一半 (另一半爸爸補貼)。

蔣家雖然家裡有傭人,有司機,但是為了籌錢, 孩子要幫忙做家事,自己洗衣服、摺衣服、燙衣服、拖地, 甚至還得到外面打工。 例如女兒考上大學後想跟同學去東歐玩,為了籌措旅費, 她暑假花了快兩個月去餐廳打工,每天辛辛苦苦的忙到晚上11點, 終於賺到近兩萬元,其他不足部分,則每個月扣零用錢。

不怕孩子打工會浪費他們讀書、學習的時間嗎?「這是投資」 蔣國樑想得很明白,這是教育的成本,省不得。

「你不讓他體驗,直接給他錢,就是cost(花費),不是investment(投資)。」

其實為了讓孩子出去打工,他們夫妻更花心思,更花錢。 女兒在餐廳打工到深夜,為了安全,他還得跟司機出去接她回家。 但他認為,若捨不得孩子「浪費」讀書的時間,只會教出一個書呆子。

「與其那樣,我寧可培養一個人格健全的常人。」

他說,現在太多孩子想一步登天,不然就是沒有明天。

他也找機會教小孩學會評估花錢的效益,以及要付出的代價。 例如孩子想去埃及玩,他看了女兒的計畫書後,跟她討論: 如果去埃及,不但要打工一個暑假, 還得每個月零用錢裡扣50%才夠旅費; 但如果去印尼,只要打工兩週,零用錢也只需要扣10%, 讓孩子自己決定每一項消費決策與代價。

孩子用錢,多少都還是會有超支的時候, 萬一這個月的開銷又無法省下那麼多,得向爸爸預支時, 就得在下個月把每一筆花費都記得清清楚楚。 如果還是亂花,零用錢就被縮減。

家教三:付出才有資格享受 把幸福視為當然,災難就會反撲

「到處都是教育的機會,我願意花更多小錢,來培養他們對金錢的概念。」

蔣國樑說,像全家出門的時候,他和太太坐著司機開的自家轎車, 孩子就得頂著大太陽,自己搭公車,轉捷運,去跟他們會合。

蔣小妹說,以前她的零用錢也會亂買, 但出去打過工後,比較懂得金錢得來不易。 像她自己上大學後每個月有六千元零用錢(包括午餐、自己買的衣服), 她都會先把其中的二千元,定期存到一個無法提領的帳戶。

「也沒有一定要做什麼,只是覺得,該為以後留下一些經濟基礎。」

孩子沒有正確的價值觀,蔣國樑認為,父母要負最大的責任。

「我可以吃鵝肝醬,也可以去路邊攤吃鴨肉扁。」 他常看到很多父母帶孩子去昂貴的餐廳吃大餐,「把魚翅當粉絲」, 他感嘆:「這孩子已經被父母糟蹋掉了,因為孩子失去對金錢的感覺。」

每年出國旅行,蔣國樑讓孩子自己規畫,在有限的預算裡, 學習如何節制、省錢。 他們全家只買一張商務艙機票,他或是太太坐, 另一個人就陪孩子坐在後面的經濟艙。 他們向孩子明確表示,「你們沒有賺錢,沒有資格坐商務艙。」

上班可以穿亞曼尼表現金融家專業形象的蔣國樑, 也可以和孩子逛到中山北路七段的暢貨中心(outlet), 買一件五百元的衣服。「那些衣服也有很好的品質啊,」 他乘機教孩子,價錢和價值不一定成正比。 甚至,當孩子要買東西時,他鼓勵他們上網找到更便宜的價錢, 享受那種聰明購物的成就感與快樂。

教孩子認識金錢的價值, 他還教孩子瞭解什麼是匱乏,瞭解真正的人生。

他和太太去黃山旅遊,下山時走下來,看到挑夫用血肉之軀, 把那麼沉重的水泥、各種物資一簍一簍的挑上去, 他趕緊用攝影機拍下這畫面,回家告訴孩子, 這世界不是只有美麗的風景,還有那麼多人是這樣辛苦過日子的。

去印度玩的時候,他則拍下無數的小兒麻痺症的孩子,讓孩子知道, 他們在和別人比香奈兒、比古馳的時候, 有那麼多孩子連健全的四肢都沒有。

「小孩不知道還有另一個世界,以為他們過的日子就是人生本當如此。我教他們,地球是平的,今天把幸福視為理所當然,明天災難就會反撲。」

家教四:必須回饋親人 找出照顧父母的方法,培養責任心

為了培養孩子的責任心,晚年生活無虞的他,仍慎重其事的把三個孩子找來,問他們:「爸媽一路培養你們,以後你們要怎麼回饋呢?」結果三個孩子,一人「認養」一項,老大說:「以後你一年到國外旅行兩次,由我出錢。」老二說:「以後一個月打一場球由我負責。」老三知道爸爸愛吃,就說:「以後你一個月上一次館子,由我埋單。」

如今孩子找到人生的目標──大兒子喜歡狗,到寵物店打工後,更確立自己的人生方向,後來大學填選獸醫系,現在已經是個大二學生──他很欣慰:「自己的錢,終於可以自己花了。」蔣國樑深知,教育孩子,不只是幫孩子,也是幫自己,否則孩子長大了還賴在家裡無法獨立,甚至在外面弄個爛攤子要你收,都是老年的悲哀。

蔣國樑發現,孩子教了那麼多年,已經收到成效。他透露,有時和孩子去中山北路逛街,看到便宜又好的衣服,忍不住多買時,孩子會反過頭來說他:「爸爸,你衣服已經很多了,再買也不會穿,空間也要錢耶。不是便宜就可以亂花,這很浪費。」被教訓的蔣國樑其實很高興,「孩子已經可以把財富教育回饋給我了。」

Effective Communication Skill: Home Page: The Navigational Menu

Effective Communication Skill: Home Page: The Navigational Menu

THE WAVES OF DESTINY: God Can Use Anyone, Even you.

THE WAVES OF DESTINY: God Can Use Anyone, Even you.

THE WAVES OF DESTINY: You Can Be Unstoppable. Let your light shine forth for you are the Next to be celebrated.

THE WAVES OF DESTINY: You Can Be Unstoppable. Let your light shine forth for you are the Next to be celebrated.

Please take note for those who buy petrol with credit/debit card

Dear our valued visitors,

Please be aware of when using credit card to refill the petrol:-

Just got to know about this case through a friend that this thing actually happened to one of his co-workers. She used her credit/debit card to purchase gas at the pump (like most of us do).

She received her receipt like normal. However, when she checked her statement, there were 2 $50 charges added in addition to her purchase. Upon investigation, she found out that because she did not press the 'CLEAR' button on the pump, the employee inside the store was able to use her card to purchase his/her own gas! To keep this from happening, after you get your receipt, you must press the 'CLEAR' button or your information will be stored until next customer insert their card.

Be sure to tell all your friends/family so that this doesn't happen to them!

Wednesday, April 8, 2009

Design and Colour Strategies To Simplify Your Life! – Part 2

Dear our valued visitors,

We write to share with you the above article, By Wendy Lee, may of your interest:-

Use Colour to Your Advantage.

Colour has the ability to increase or decrease body size. How you coordinate the colours you wear will make you appear taller or shorter, fuller figured or more slender. If you combine colours that slim the body with colour co-ordination that increases apparent height you'll have doubled your slimming power.




Light and / or bright colours appear to advance and will make the area they have been applied to appear larger. Dark colours appear to recede into the distance causing the area they have been applied to appear smaller. Medium depth colours neither appear to advance or recede.




Colours can also give the illusion of having a weight of their own. Darker colours appear to weigh more than light colours and as a result an outfit can look more balanced when a dark colour worn on the lower half of the body.



A light colour worn on the upper body will also draw attention upward increasing apparent height and decreasing apparent height.

So, let us use of colour to reflect the best of us.

HOW TO STAY JOYFUL

Dear all valued visitors,


We all need to read this one over and over until it becomes part of who we are!


HOW TO STAY JOYFUL

1. Try everything twice.. On Madams tombstone (of Whelan's and Madam) she said she wanted this epitaph:
Tried everything twice...loved it both times!


2. Keep only cheerful friends. The grouches pull you down.. (keep this in mind if you are one of those grouches)


3. Keep learning: Learn more about the computer, crafts, gardening, whatever. Never let the brain get idle. 'An idle mind is the devil's workshop.' And the devil's name is Alzheimer's!


4. Enjoy the simple things.


5. Laugh often, long and loud. Laugh until you gasp for breath. And if you have a friend who makes you laugh, spend lots and lots of time with HIM/HER.


6. The tears happen: Endure, grieve, and move on. The only person who is with us our entire life, is ourselves. LIVE while you are alive.


7. Surround yourself with what you love: Whether it's family, pets, keepsakes, music, plants, hobbies, whatever. Your home is your refuge.


8. Cherish your health: If it is good, preserve it. If it is unstable, improve it. If it is beyond what you can improve, get help.


9. Don't take guilt trips. Take a trip to the mall, even to the next county, to a foreign country, but NOT to where the guilt is.


10. Tell the people you love that you love them, at every opportunity.
I love you, my special friend.


11. Forgive now those who made you cry. You might not get a second time.


And if you don't share this with at least 4 people - who cares? But do share this with someone.


Lost time can never be found.
Be kinder than necessary, for everyone you meet is fighting some kind of battle.




Love,


James Oh

BBC - Tools of trade by Craig Oliver

Dear our valued visitors,

Our commentary on the above subject has again been published in the BBC newspapers recently, as below:-


7. At 07:13am on 08 Apr 2009, liftyouup wrote:

We, at the [Unsuitable/Broken URL removed by Moderator], was amazed with the new use of Twitter and Facebook to identify the worst-hit areas. That is a very healthy sign to show that people are really care and trying to access to the latest development of the hit areas.

This positive attitude should not end here, but they should, which we believe, try to assist in whatsoever ways they can. What is more important is to save lives and at the same time to trigger the respective authority to take whatsoever precaution or preparation if necessary.

Time and information is really essence in this type of critical situation. As such, it is really everyone business and information need to be circulated as quickly as possible.

We shall continue to take more active roles to contribute our views /ideas wherever possible,

James

Tuesday, April 7, 2009

FIVE "RULES" FOR MEN TO FOLLOW TO A HAPPY LIFE:

Dear all our valued visitors,

Let us have some BIG laugh from the bullet points leading to so called a happy life:-

1. It's important to have a woman who helps at home, who cooks from time to time, cleans up and has a job.

2. It's important to have a woman who can make you laugh.

3. It's important to have a woman who you can trust and who doesn't lie to you.

4. It's important to have a woman who is good in bed and who likes to be with you.

5. It's very, very important that these four women don't know each other

Trust this will never happen in life.

James

别每次都打满油!

Dear our valued visitors,

在美國油站的每一支加油槍上,都有標示 DO NOT TOP OFF,意思是說,一般我們都會把加油槍,放進車子的加油孔,然後用扣環 hold 住,加滿的時候,扣環跳起來油槍自動會停住,這時候不要再硬加油到你車子裡。

但是在大马,我们都會繼續加到整數,對吧?扣環跳起來以後,還是努力的按按按,用點放式的方法,努力的加到整數。

以後你去加油的時候,請不要這樣做了,因為你們都在花冤枉錢!

加油槍的設計是這樣的,你加滿油的時候扣環會跳起來,是因為有一個感應器在油槍前端的金屬部分,包在前面橡皮套裡面,在加油的同時,加油槍回收從你油箱回吐的油氣,當 hose 集滿了油氣之後,扣環會跳起來停止供油,這時候你的油箱已經加滿到一個安全的程度了。

而在這之後如果你繼續硬加的話,這時候的汽油並不是進到你的車子裡,而是跑回到 hose 裡面,你說這樣不是在花冤枉錢是什麼?

而加油站每個星期都需要 drain the hose,你會嚇一跳有多少汽油從裡面跑出來,有開車的朋友,下次加油的時候,記得別讓油桶加到滿,加到整數!

油池到加油機之間有二條看不見的管路,一條是油管──即車子加油時,「油」所走的管子;另一條是氣管──在車子加油時產生的油氣,回收進入油池的管子。

加油不應加滿的另一個真正原因是:
一般加油站都已經使用加裝油氣回收設備的油槍,在油槍加滿油自動跳停後,當我们將油槍提起、強迫加油時,造成油氣回收功能無法發揮,令人不舒服的油氣就會開始外洩,這就是我們經常在加油時所聞到的「汽油味」。
我們聞到的「汽油味」,是因為汽油揮發到空氣中,使空氣含有揮發性有機物 (VOCs),通稱為「油氣」;油氣的部分成分(例如:苯)已被證實有致癌性。

記住:除了不花冤枉錢外,為了保護自身的健康和減少污染空氣,當下一次加油时千万别加满。加到油槍跳停就好!

Malysian House Buyers - Please take note

Dear our valued visitors,

We have read about the article below, which we believe it will be of great assistance to you especially you are considering of buying a new house from the developer:-

Wednesday April 8, 2009
House buyers, take note of differences in systems

WE at the HBA view with interest some housing project advertisements in the newspapers recently. They prominently state 10-90 as the mode of payment and went on to say, “Pay 10% and no payment until vacant possession.”

It would appear as if the mode of payment is similar to the Build-then-sell (BTS) 10-90 that HBA has been lobbying for and for which the Government is offering incentives to developers to adopt the system.

HBA feels that it is incumbent upon us to explain to potential house buyers the differences between the advertised 10-90 and the BTS 10-90 promoted by the Government under the amended Housing Act .

The advertised 10-90 system is actually a loan package deal whereby the buyer pays 10% upon signing the Sales and Purchase Agreement and the balance is progressively paid through the buyer’s housing loans. The loan is progressively disbursed to the developer as he builds the houses.

Hence the “… no payment until vacant possession” is not wholly true because, in actual fact, the buyer’s loan is used to progressively pay the developer. However, the interest payable for the progressive payments during the construction phase is shouldered by the developer.

In the BTS 10-90 system, the buyer pays 10% upon signing the SPA and does not make any more payment until the house is completed, with all the certifications obtained. Only then does the housing loan kick in and the buyer then pays the remaining 90%.

The vital difference between the advertised 10-90 system and the BTS 10-90 is that in the advertised 10-90 system, should the developer abandon the project, the buyer is left with a partially disbursed housing loan to settle.

The primary borrower is still the buyer and it is his sole responsibility to continue with the proper conduct of his loan from the financiers.

Banks have not been known to be sympathetic to victims of abandoned projects and the loans still have to be settled, house or no house. This is the predicament presently faced by tens of thousands of naïve and innocent buyers.

We would like to categorical­ly state that we are by no means implying that the advertised project is likely to be abandoned. This letter is only to inform potential buyers the differences between the advertised 10-90 and the BTS10-90 systems.

CHANG KIM LOONG,

Secretary General,

National House Buyers Association.

Trust you have a clear understanding of what is truly meant by BTS concept.


Have a fruitful day,

James

Monday, April 6, 2009

LOVE LIKE

Dear our valued visitors,

We write to let you know that love like:-

You gotta dance like nobody's watching.
Dream like you will live forever.
Live like your going to die tomorrow.
And love like it's never going to hurt.


In short, we need to live meaningful and to its fullest.


James

ALL TO JESUS I SURRENDER

Dear our valued visitors,


All to Jesus I surrender
All to Him I freely give

I will ever love and trust Him
In His presence daily live

I surrender all
I surrender all

All to Thee my blessed Savior

I surrender all
All to Jesus I surrender

Make me Savior wholly Thine
Let me feel the Holy Spirit
Truly know that Thou art mine

All to Jesus I surrender

Lord I give myself to Thee
Fill me with Thy love and power

Let Thy blessing fall on me

From

James Oh

Sunday, April 5, 2009

A MUST READ

Dear our valued visitors,

A MUST READ REAL STORY

In October of 2001, my sister started getting very sick. She had stomach spasms and she was having a hard time getting around. Walking was a major chore. It took everything she had just to get out of bed; she was in so much pain. By March 2002, she had undergone several tissue and muscle biopsies and was on 24 various prescription medications. The doctors could not determine what was wrong with her. She was in so much pain, and so sick. she just knew she was dying. She put her house, bank accounts, life insurance, etc., in her oldest daughter's name, and made sure that her younger children were to be taken care of.

She also wanted her last hooray, so she planned a trip to Florida (basically in a wheelchair) for March 22 nod.

On March 19 I called her to ask how her most recent tests went, and she said they didn't find anything on the test, but they believe she had MS.

I recalled an article a friend of mine e-mailed to me and I asked my sister if she drank diet soda? She told me that she did. As a matter of fact, she was getting ready to crack one open that moment.


I told her not to open it, and to stop drinking the diet soda!
I e-mailed her the article my friend, a lawyer, had sent.

My sister called me within 32 hours after our phone conversation and told me she had stopped drinking the diet soda AND she could walk! The muscle spasms went away. She said she didn't feel 100% but she sure felt a lot better. She told me she was going to her doctor with this article and would call me when she got home.

Well, she called me, and said her doctor was amazed! He is going to call all of his MS patients to find out if they consumed artificial sweeteners of any kind.
In a nutshell, she was being poisoned by the Aspartame in the diet soda...and literally dying a slow and miserable death.
When she got to Florida March 22, all she had to take was one pill, and that was a pill for the Aspartame poisoning! She is well on her way to a complete recovery.
And she is walking! No wheelchair! This article saved her life..
If it says 'SUGAR FREE' on the label; DO NOT EVEN THINK ABOUT IT!
I have spent several days lecturing at the WORLD ENVIRONMENTAL CONFERENCE on 'ASPARTAME,' marketed as 'NutraSweet,' 'Equal,' and 'Spoonful.'
In the keynote address by the EPA, it was announced that in the United States in 2001 there is an epidemic of multiple sclerosis and systemic lupus. It was difficult to determine exactly what toxin was causing this to be rampant.
I stood up and said that I was there to lecture on exactly that subject.
I will explain why Aspartame is so dangerous: When the temperature of this sweetener exceeds 86 degrees F, the wood alcohol in ASPARTAME converts to formaldehyde and then to formic acid, which in turn causes metabolic acidosis. Formic acid is the poison found in the sting of fire ants. The methanol toxicity mimics, among other conditions, multiple sclerosis and systemic lupus.. Many people were being diagnosed in error. Although multiple sclerosis is not a death sentence, Methanol toxicity is!
Systemic lupus has become almost as rampant as multiple sclerosis, especially with Diet Coke and Diet Pepsi drinkers. The victim usually does not know that the Aspartame is the culprit. He or she continues its use; irritating the lupus to such a degree that it may become a life-threatening condition.
We have seen patients with systemic lupus become asymptotic, once taken off diet sodas.
In cases of those diagnosed with Multiple Sclerosis, most of the symptoms disappear. We've seen many cases where vision loss returned and hearing loss improved markedly.
This also applies to cases of tinnitus and fibromyalgia.
During a lecture, I said, 'If you are using ASPARTAME (NutraSweet, Equal, Spoonful, etc) and you suffer from fibromyalgia symptoms, spasms, shooting, pains, numbness in your legs, cramps, vertigo, dizziness, headaches, tinnitus, joint pain, unexplainable depression, anxiety attacks, slurred speech, blurred vision, or memory loss you probably have ASPARTAME poisoning!'
People were jumping up during the lecture saying, 'I have some of these symptoms. Is it reversible?'
Yes! Yes! Yes! STOP drinking diet sodas and be alert for Aspartame on food labels! Many products are fortified with it! This is a serious problem.
Dr. Esparto (one of my speakers) remarked that so many people seem to be symptomatic for MS and during his recent visit to a hospice, a nurse stated that six of her friends, who were heavy Diet Coke addicts, had all been diagnosed with MS. This is beyond coincidence!
Diet soda is NOT a diet product! It is a chemically altered, multiple SODIUM (salt) and ASPARTAME containing product that actually makes you crave carbohydrates. It is far more likely to make you GAIN weight!


These products also contain formaldehyde, which stores in the fat cells, particularly in the hips and thighs. Formaldehyde is an absolute toxin andis used primarily to preserve 'tissue specimens.' Many products we use every day contain this chemical but we SHOULD NOT store it IN our body!
Dr. H. J. Roberts stated in his lectures that once free of the 'diet products' and with no significant increase in exercise; his patients lost an average of 19 pounds over a trial period.
Aspartame is especially dangerous for diabetics.
We found that some physicians, who believed that they had a patient with retinopathy, in fact, had symptoms caused by Aspartame.
The Aspartame drives the bloodsugar out of control. Thus diabetics may suffer acute memory loss due to the fact that aspartic acid and phenylalanine are NEUROTOXIC when taken without the other amino acids necessary for a good balance.
Treating diabetes is all about BALANCE. Especially with diabetics, the Aspartame passes the blood/brain barrierand it then deteriorates the neurons of the brain; causing various levels of brain damage, seizures, depression, manic depression, panic attacks, uncontrollable anger and rage.
Consumption of Aspartame causes these same symptoms in non-diabetics as well.
Documentation and observation also reveal that thousands of children diagnosed with ADD and ADHD have had complete turnarounds in their behavior when these chemicals have been removed from their diet. So called 'behavior modification prescription drugs' (Ritalin and others) are no longer needed. Truth be told, they were never NEEDED in the first place! Most of these children were being 'poisoned' on a daily basis with the very foods that were 'better for them than sugar.'
It is also suspected that the Aspartame in thousands of pallets of diet Coke and diet Pepsi consumed by men and women fighting in the Gulf War, may be partially to blame for the well-known Gulf War Syndrome.
Dr. Roberts warns that it can cause birth defects, i.e . mental retardation, if taken at the time of conception and during early pregnancy.
Children are especially at risk for neurological disorders and should NEVER be given artificial sweeteners. There are many different case histories to relate of children suffering grand mal seizures and other neurological disturbances talking about a plague of neurological diseases directly caused by the use of this deadly poison.'
Herein lies the problem:
There were Congressional Hearings when Aspartame was included 100 different products and strong objection was made concerning its use. Since this initial hearing, there have been two subsequent hearings, and still nothing has been done. The drug and chemical lobbies have very deep pockets.
Sadly, MONSANTO'S patent on Aspartame has EXPIRED!
There are now over 5,000 products on the market that contain this deadly chemical and there will be thousands more introduced. Everybody wants a 'piece of the Aspartame pie.' I assure you that MONSANTO, the creator of Aspartame, knows how deadly it is.
And isn't it ironic that MONSANTO funds, among others, the American Diabetes Association, the American Dietetic Association and the Conference of the American College of Physicians?
This has been recently exposed in the New York Times.
These [organizations] cannot criticize any additives or convey their link to MONSANTO because they take money from the food industry and are required to endorse their products.

Senator Howard Metzenbaum wrote and presented a bill that would require label warnings on products containing Aspartame, especially regarding pregnant women, children and infants. The bill would also institute independent studies on the known dangers and the problems existing in the general population regarding seizures, changes in brain chemistry, neurological changes and behavioral symptoms.
The bill was killed.

It is known that the powerful drug and chemical lobbies are responsible for this, letting loose the hounds of disease and death on an unsuspecting and uninformed public. Well, you're Informed now! YOU HAVE A RIGHT TO KNOW

Genre: Computer Jokes

Dear our valued visitors,

Tech Support: "I need you to right-click on the Open Desktop."
Customer: "Ok."
Tech Support: "Did you get a pop-up menu?"Customer: "No."
Tech Support: "Ok. Right click again. Do you see a pop-up menu?"
Customer: "No."

Tech Support: "Ok, sir. Can you tell me what you have done up until this point?"
Customer: "Sure, you told me to write 'click' and I wrote click'."

Trust you have a good laugh of it.


James