0700

睁开眼睛，又是新的一天

把昨天的烦恼抛后，再回味甜蜜时刻

我笑笑，迎接这一天

29/2， 四年才有的一天

有着不同的意义

意味着不容易，告诉我们要珍惜

我把今天，发挥至极

好当我回首这一天

它会是意义重大

Accident

Yesterday, while I having my lunch appointment at Bandar Puteri Puchong, then I receive a call from YK, says that IOI Boulevard is so crowded now because of an accident. He told me that there's a sign board fall from the sky, and it hit a car. Wow !

I imagine that's just a small billboard or smth similar fall from the rooftop.. Guess what, on my way going back office, I saw this -->

God damn it ! This is not a small case man ! Gan Jiong !!

My car parked just few car away from it. I'm so lucky that my car didn't get involved, yet I pity the owner of Kenari .. and lucky YK as well, his car parked the other direction of it, only get hurt by those cotton which will not cause serious damage.

There used to be our hot spot for parking, cause there's where our office located at. Everyone were so shock of this accident.

According to them, this huge billboard fall from the rooftop of our VKA office.. Oh god!

Here you go, the view from my office, and the billboard fall 50 degree to that car ... That's amazing isn't ? @@

Total lost !! Nothing much to say :(

Look, accident can happen anytime, anywhere without you knowing. We glad that there's no one inside the car and no one around there, or else it will be really sad case.

Thank god, that wasn't me. I got very strong impact from this accident, and to all of you, please be careful at all time.

Back to reality, are you under protection by insurance ?? I know it's cruel but that's the fact.

求人不如求己

“求人不如求己”，这句话一点都不陌生.. 不晓得，在你身上有没有发生过类似的问题.. 要是其中参与到钱，更是为难...

以下有一篇文章，关于个人的保障.. 看一看，你是不是完全被保护着 ？

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綜合專家意見，現代人至少要有6項保險保障，才算是最完整的保障，即傷殘收入保險、嚴重疾病保險、完全及永久傷殘保險、個人意外保險、人壽保險及醫療保險。

1.傷殘收入保險（Disability-Income Insurance）

　試想想如果患病或受傷無法繼續工作，基本生活費怎么辦？

　受保人可在現有壽險中，加入一項名為傷殘收入保險的附加保障（Riders）。

　舉例，在壽險加入每年保額為3萬6000令吉的傷殘收入保險附加保障，一旦發生意外不能工作，就可每年獲得保險公司支付3萬6000令吉收入，直到該項附加保障屆滿為止。

2.嚴重疾病保險（Critical Illnesses Insurance）

　患上嚴重疾病如末期癌症的病患，抗癌是一條漫長的路，也能耗盡一生積蓄。

　此保障是一旦被證實患上受保的嚴重疾病，保險公司就會一次過賠償總保額，讓受保人在患病失去工作能力期間，支付醫療及生活費用。

3.完全及永久傷殘（Total Permanent Disability Cover）

　當一個受保人最少6個月因傷殘無法再工作，就會被歸類為完全及永久傷殘，並會被支付一次過的賠償。

　但如果在完全及永久性傷殘解釋中出現特別注明的不保條款（Exclusion Clause），受保人就必須注意，因為在大馬有很多保險公司是沒有保障部分傷殘（Partial Disability）的。

　這些保險公司只會在當一個人被證實完全及永久傷殘並失去工作能力后，才會作出賠償。

4.個人意外保險（Personal Accident Policy）

　個人意外保險非常重要，保障受保人因意外所造成的傷害，部分保單還支付受保人住院及因傷而無法工作期間的現金補助金。

　在購買個人意外保險時，受保人必須確保保單附有每週補償利益（Weekly Indemnity Benefit），以便在短期內無法工作時補償收入損失。

　其他必備的利益尚有意外死亡及肢殘賠償，及意外醫療保險（包括門診及住院治療賠償）。

5.人壽保險（Life Insurance）

　以個人現況、現有及未來債務、家人生活開銷及相關責任計算在內，就可以大略估算出一個人的壽險所需保額。

　舉例家人每年開銷5萬令吉、葬禮費2.5萬令吉、1.5萬令吉用于支付遺囑認證及執行人之費用，每年通脹率3.85%，再假設受保人想供養家人45年，那么此人的壽險保額所需就是130萬令吉。”

　當然受保人可選擇終身人壽保險、定期人壽保險或投資聯結型保險。

　6.醫療保險（Medical Card）

　醫藥費每年都在以6%增幅漲價，且可能在12年內倍增。

　很多人會認為購買醫療保險及醫藥卡很不划算，因為如果沒使用，保險費就是“白繳”。

　有了一張醫藥卡，入院時就可為受保人支付一切相關醫療費用，如病房、深切治療病房、手術費等（但必須確保受保範圍及限額），那么每月流動現金才不會受影響。

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龙。意弥漫八方

新年了！！新年了！！
转眼又是新的一年，这么快，我有大一岁了。。岁月真的不留人，我深深感受到时间的流逝真的很快，一直警惕自己不能再浪费时间，不要荒废人生。

丰富的团圆饭，充满着温馨和幸福的味道..

还有，

在新年里最开心的，就是说几句祝福语，换来个红包。。世上还有哪门事是酱划算的啊。。

不过，这也只在于利是，不分轻重。

今年的新年假期有点长，我家也没有计划到那里吃风，就只好待在乡下久一点。这样的假期也很好，跟亲戚聊天吹水，打牌赌博，吃喝玩乐，懒懒散散过一天又一天。
再来就是到朋友家拜年，赌博好像在赶场，开心就好吧 ：）

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前天也把自己在大学里的死党送到英国去。。一个可以聊心的朋友，互相支持的拍档。。

好好照顾自己，我们很快会再重逢 ：）

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新的一年，莫过于关心自己的运势如何，好让事半功倍，对不?

生肖属马的人，今年和太岁相生，流年运势尚可。

年逢【八座】吉星，对事业极为有利，若是能兢兢业业，任劳任怨地付出，事业方面必定能取得不错的成就，而对于 公职或职业经理人士而言，则会有升迁提高地位的机遇，必须好好把握。唯今年【寡宿】入宫，该星对社交人际会有所影响，事业进展顺利之余必须保持谦虚低调， 多增加上级同事之间的沟通，以免遭他人嫉妒和排斥，对事业造成阻碍。所幸又得【天解】星，即便遇上阻困，只要信心毅力不减，持之以恒，最终都可以战胜困难 取得成功。

今年财运颇佳，正财收入稳定，投资亦可获利，若要开展新的投资项目，可选择在正月、六月及十月份进行，其间财运亨通！此外要注意，今年与家人的 缘份会比较薄，由于工作比较繁忙，少与家人团聚交流，会淡薄彼此间的感情，必须注意！

健康方面一般，年犯【血刃】煞，身体容易受伤，绝对不可参与危险性的 活动，慎防引起血光之灾；小病频仍，必须注意饮食卫生，避免病从口入，多增加休息，以保持身体健康，因有吉星高照，只要小心照顾，问题不大。

属马的人进入2012年壬辰流年，恰遇此年【天德】贵人星如命，因此今年属马之人总体运势较好，得到贵人星的庇护和保佑，运势颇为理想顺利。因此在事业上 可以开创出一番新天地，大有作为。而今年欲创业的属马的人，可一展身手，与他人合作则容易得到极大的回报与成功。因有吉星拱照，财运上可谓是一本万利，财 力大有所获。不过经营获利之时，不应忘记多做善事，积德积福。但今年，属马的人因为同时遇到【吊客】与【丧门】如命中，因此一定要注意交通，否则必有意外 发生，在生意合作之时也尽量不可为他人做大资金的担保或者投资。且从事公职的上班一族在顺利发展之时，切记不宜得意忘形，让小人乘机。平日仍旧需在人际关 系以及上下级之间多做好关系的培养与维持，确保自己多方面得利，免除后顾之忧。

属马的人今年的感情运势则是顺畅和谐，两情相悦。单身贵族们则可以把握机 会，寻觅良缘。且已婚属马的人今年则是夫妻关系平稳，摩擦较少。身体方面则是容易内火虚旺，阴阳调和上多注意。

详情请浏览 http://www.mypcera.com/xin/

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再祝大家：

新年快乐

福星高照

财运亨通

一本万利

心想事成

青春美丽

永远开心

花雨

Killing me Softly

December Momentum

Last month of year 2011, I decide to run, run as fast as I can.... I just wanna prove that I can do so... I kept the positive thinking, I told myself, I already WON in the game! Yea, I set it in my mind.

Guess what, with the high spirit of mine & my partner, we both work together and WON every week, to be the top among all of my colleagues. I feel good and happy definitely, and that was a breakthrough for me as well. Then we have a portluck celebration at Eileen's (My partner) house.

Cloud View Condo, so 'pro' the name ... yet defined exactly as this...

The night view from their balcony. Awesome isn't ?

Back to the portluck celebration, I decide to DIY sushi, for the 2 cuttiiees to play around as well.

Ryeanne & Rachel

I don't have the recipe of making sushi, I just refer to youtube, and agak-agak only lor ... Got my ingredient prepared from Tesco, carrot, crab meat, rice, and seaweed. No doubt that DIY sushi is full of fun, the 2R happily 'helping' me, but poor them, kept scold by the mummy.

Here you go, the outcome :

I will only rate 2/10 for it, sticky rice, tasteless, and ugly. Still need a lots of practice thou =)

All About Lovin' You

I listening to Bon Jovi's songs.. With his sexy voice, I feel love, and it's so much of it!

A song named "Always".
I used not to listen to it, but today it melt my heart, not because of Bon Jovi but because of him. He used to sing and shout this song.... I always starred at him and ask him to shut up! But now, god know how much I miss it.

"Thank you for loving me" I always said I love him, but I seldom say Thank you for loving me. Thanks my love, for being my eyes when I couldn't see, for being with me whenever I need you, for giving me your full support and so on so on so on.... I can never finish it, now, I'm just too late to appreciate it.

You stay strong in my heart, do I either? Me love, "What do you got?" You got love, you got me, stay here for you forever...


Just remember....


"All about lovin' you"

VKA Corporate Shoot

It has been a while, I suppose to upload this post last year xD

VKA Wealth Planner Sdn Bhd is my current company, based at Puchong IOI Boulevard. A very nice working environment, provided with the support from our team and also the proven success system. Kindly click on the link above, and 'LIKE' our fb page. Thx ya !

Many people surprise that I went into this field, and they very concerning for the reason behind. Let me share a little bit here, I choose this career is for long term purposes.
1) This business can give me passive income, which mean even if I'm not working, there's still income for me on monthly basis.
2) By figure out my ideal income, this is the business that can fulfill my ideal income.
3) What car I want to drive? What house I want to live? How long I aim to achieve it?
4) This business is about team work as well, work hard with your team, you may get even higher income.
5) There's already a proven success system, simply follow that, success is just next door to you.

Basically, why I said it's for long term, is just because through this platform, ur income will grow bigger and bigger, you can achieve what you want if you work hard on it.

I practice a lots of visualization, to visualize who will I become in 5 years time, how's my lifestyle will be, and what kind of income I'm earning in 5 years time, 10 years time or even longer, then what can I do for my family, what can I do for myself ... Yea, no doubt, this is all money money $$$$, but aren't you work hard just for money as well?
Friends, plan for your future, be specific on what you want to achieve and when you would like it to be.

I do enjoy working with these bunch of colleagues, and our average age is just 25 years old. Youngsters mix around, with the fighting spirit, we supporting each other and work happily together.

未结束的美

钟声响起，烟花绽放，意味着新的一年真的来了。。
我没有特别开心，也没有伤心，感觉一半一半，残留了一丝遗憾。。
昂往回首，2011年，把我的欢笑，幸福，带回来了，也把它们带走了。。
心里的不舍，谁懂？

是不是都要忘记过去，迎接新的一年，给自己新的开始？
我。。。 不愿意。。
任性的执著，还是期待那天的来临，我依然坚持着。。

未结束的美，有着过去的精彩，未来的神秘