Paul gets it right again?

Paul the octopus is running a perfect record on the prediction by far! 8 on a roll?
On this coming 2010 WC Final, Paul picks SPAIN as winner of WC2010. I hope it's right as I support Spain too!!!
On the field, Xavi & Co'll control the midfield as hard to see anything but Spain be the boss of the "lease defensive" dutch(Only Van.Bommel as defensive Mid). Dutch'll be suffer much & have to be make their GK potentially man of the match!
If Dutch get an early goal, It gonna be a freekick or a set piece (Header from Kuyt?), At 90 min. a draw & score like1-1 is I predict. Till Penalty we apart.
If Spain get an early goal. It gonna be a BIG win for Spain! 4-1? How to stop Villa? Alonso? Xavi? Even Puyol can score on the German!!!
Sorry Dutch, Barca & Co just out-play you all later!
Viva Espana....

Jinx the name of Insurance Agent

No offend if you are Insurance Agent, it was the thinking most of the people out there on you. (I Guess)
Need no PhD to study on this. Are you telling me that the "Product" I pay while you have the 35% comm. + Bonuses + Your annual overseas travel is damn Fxxking great for me?
First, the "Saving Plan" is totally a joke!
Exp: Monthly 500 for 10 yrs, then no need to service "the plan" anymore (Yearly 6k, 10 yrs 60k). Let's say you are 30 yrs old now......You wish to get the money for retirement at 60 yrs old. Probably you can get 250k cash(Estimation la bro). Worth it?
Or you can do this. Do the saving thing for 3 yrs, 18k, 10% downpayment to buy a 180k ppty. Rent it out then, if the ppty in KL, you can get around 900-1100 p.m. Minus the main. fees, Cukai Pintu, Sinking fund....etc, says nett is 650 (Estimate saja) I think you just pay another 100+ p.m only for the 30 yrs, The ppty is yours then. Don't tell me the ppty is worth less then 250k? No way! If yes match @ 250k, appreciation of 38% is acceptable (If you buy from developer + appreciation of raw material)
The case in here is......I pay 100+ mthly compare to 500 p.m previously with Insurance? Where the Money channel to? Comm. to agent, Advertisement.......etc
My personal view, "Saving Plan" still have lot of room to improve, yet Medical card is a MUST (In M'sia, gov hospital is so.....) as medi. fees nowdays is gonna cost you a bomb!
Nothing personal, it's just freedom to express.........Sorry if any hard feeling. Cheers.......

Bubble of pain

The prices of Bolehland properties are getting higher & higher on this recent 3yrs as the Property Gain Tax is waive off on year 2008-09. Before this, you have to pay heavy tax(up to 30%!!!) on property's gain if you sell your ppty within 5yrs!!!
Currently is 5% tax of your nett gain if selling is done within 5 yrs.
Why our ppty is on high price? Demand> Supply? Historical low Interest rate? Too many spare cash till no where to park? Easy Ownership?
First, I think The Demand Supply's law is not gonna apply here, Easy Ownership is the key factor for most developer to sell off their "product" like hot cake! 5/95 by "XB Cetia"*Pay only 5 % Downpayment + LOW Interest Rate.........etc
My view? LOW FD Rate, LOW Interest Rate are the man behind all this! The true is : No where (better place) to park money, so buy ppty la......Put in the bank for FD? 2.5%? Share Market? KLCI is a joke man......STI? SSEC? SD& RMB are getting stronger on currency....DOW? Kidding me?
Appreciation of ppty is good on recent 5 yrs! Buy an under-construction ppty can be appreciated around 20-40% after CF * Depend on area & ppty type too of course.
Yeah, Many people out there can't afford to buy a landed ppty("Non- Apartment") as the price jump of ppty is FAR MORE faster then your salary!!!
Bubble? Hell yes!!! With pain...

Examination # Q2 List 2 Advantages of Rm50 Credit Card tax.

(This is subjective question & full mark is 10, suggest 5 min for this question)

=> Credit card is just a "method" of payment. Why tax? 1* If bank have the withdrawal limit for protection purpose, why "hijack" CC as one of the "safe" way to pay? (As NEED NOT bring so many CASH) 2* Bad news for most of the business (* Easy Payment Plan for Digital camera, computer, Osim Chair....etc)
Sum up=> This is stupid idea at all!
0 mark!
Answer=> This is good for us! No question about it! Because 1M'sia, rakyat didahulukan. We love you. Muaks......I love you too......

Examination # Q1 What's GST?

(This is subjective question & full marks is 10, GST= Global Sales Tax, Suggest for 15 Min)

=> Scenario 1, If you buy a soap (Made by Palm oil)
You need to plant the plam oil then sent it to factory for manufacturing it to become soap(End product) after the harvest of Plam Oil.
Tax begin here. 1*Land to plant Palm Oil (Cukai Tanah) 2* The farmer pay taxes (Personal income tax) 3* If the Palm Oil's price rise (Windfall tax* T&C Apply)
4* Factory pay tax 5* The driver sent the Palm oil (Again...Personal Tax + Road tax(Lorry ma) + Insurance Company Tax* Have to buy lorry insurance right?+ Tolls?* + Unforseen "Abang's tolong"* As usual can be seen at major road) 6* Sell it at hypermarket (Company Tax + Cukai Pintu). Last we pay the GST + Income tax as well.
Sum up. GST is evil & can be calamity for the people.
0 mark!
Answer => GST is good for all! No question about it. 1 M'sia is good for the nation, all races & our land can be maju....

First SAD day

I really can't reckon my first 2010 post with such an SAD element on it. The day where democracy is utterly gone in our land (Perak). Speechless on this!
Maybe what can we hope(do) is the coming GE within the time of 2 yrs!
Cheers up Perak. Never too late for your reclamation!