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Sunday, March 21, 2010

Car Hire Purchase Calculators - [Malaysia]

Many people told me that when you buy a car by installment; by taking bank hire purchase, you are bond to a fixed amount of loan plus interest. That means, you will have no point to make early settlement since its interest won't be reduced. However, few months ago, I just found out this saying is wrong.
Few months ago, I went to a car showroom to have a look at their newly launched model. I was kind of interested, and went deep into negotiation to trade in my current car. They helped me check with the bank for the amount required for early settlement, and it turned out to be quite an amount lower than my current left over loan.
Yesterday, while surfing through net, I happened to come across this website which provides few interesting
calculation tools.  
So, if you ever wonder how much will it be the early settlement for your car hire purchase, here's the webpage for you to input your car loan amount, interest rate, installment period, and it will calculate for you:
You will also notice on top of the webpage, there are few other tools such as Car Insurance Calculator, Road Tax, Loan Payment Calculator, etc.
I think these are important tools for car owners and to-be owners.
(I am not sure if this is applicable to other countries, as this website is mainly for Malaysia.)


Wednesday, March 17, 2010


A very meaningful story reflecting how to think of life.
(quoted from a forwarded email)
BURNT BISCUITS......>>>>>>>>>>>>>>>

When I was a kid, my mom liked to make breakfast food for dinner every now and then. And I remember one night in particular when she had made breakfast after a long, hard day at work.

On that evening so long ago, my mom placed a plate of eggs, sausage and extremely burned biscuits in front of my dad. I remember waiting to see if anyone noticed! Yet all my dad did was reach for his biscuit, smile at my mom and ask me how my day was at school.

I don't remember what I told him that night, but I do remember watching him smear butter and jelly on that biscuit and eat every bite!

When I got up from the table that evening, I remember hearing my mom apologize to my dad for burning the biscuits. And I'll never forget what he said: "Honey, I love burned biscuits."

Later that night, I went to kiss Daddy good night and I asked him if he really liked his biscuits burned. He wrapped me in his arms and said, "Your Momma put in a hard day at work today and she's real tired. And besides - a little burnt biscuit never hurt anyone!" You know, life is full of imperfect things.....and imperfect people. I'm not the best at hardly anything, and I forget birthdays and anniversaries just like everyone else. What I've learned over the years is that learning to accept each others faults - and choosing to celebrate each others differences - is one of the most important keys to creating a healthy, growing, and lasting relationship.

And that's my prayer for you today. That you will learn to take the good, the bad, and the ugly parts of your life and lay them at the feet of God. Because in the end, He's the only One who will be able to give you a relationship where a burnt biscuit isn't a deal-breaker!

We could extend this to any relationship. In fact, understanding is the base of any relationship, be it a husband-wife or parent-child or friendship! "Don't put the key to your happiness in someone else's pocket - keep it in your own.

" God Bless You..... Now, and Always....So Please pass me a biscuit, and yes, the burnt one will do just fine.!.!.!.!

And PLEASE pass this along to someone who has enriched your life... I just did!

SOYA BEAN - Pros & Cons & Directions

Quoted from a forwarded email. 

All of us know that soyabean drink  provides good protein to our body... but many of us don't  know that there are certain days we should avoid drinking it.

Soya bean drinks are best  consumed on hot sunny days when the sun is strong. The  soya milk will give lots of nutrients to the body as the body is able to absorb the protein well.

However, avoid the drink when the weather is cloudy or raining.. Taking  the drink in those weather, the body will not be able to  take in the protein and will result in a disease called  'GOUT' or 'high acidic urine' due to the high protein  residue in the body, after a long run.

This disease  will cause pain to your knee joints and it will only be in control when you control your food intake of proteins and  medication. The pain is unbearable and usually you will  have no idea what you have taken to cause the pain.
Food  like soya beans, anchovies, broccoli, spinach, peanuts, & n esp animal organs ( i.e. pork liver)  etc will have to be avoided to prevent the pain from attacking.

So  my friend, pass this to your family, relatives and friends to keep an  alert on the pros and cons of soya bean milk and when it  is to be taken and to be avoided....

Drinking Tea is healthy

I'm not sure if these are true, but it's worth to share. I received this information through email forwarding. 

Are you drinking the right tea?
1. People who use their 'brain' to work or students who study hard  day and night.
--- Should drink  more Chrysanthemum Tea.
2. People who need a lot of  body energy to work or those people who exercise a lot  everyday.
--- Should drink Wu Loong  Tea.
3. People who travel on a bike or work in dirty  and polluted places.
--- Should drink Green  Tea.
4. For people who like to sit down all day long  and not do anything, even exercising
--- Must drink Green Tea and Flower Tea.
5.  People who smoke and drink a lot of alcoholic drinks.
--- Should drink more Green Tea.
6. Carnivore ( i.e.  people who must eat meat at least once a day, or feel  sickly)
--- Try to drink some Wu Loong  Tea.
7. People who go to the washroom too often or  not often enough.
--- Should drink more Honey  Tea
8. People with high cholesterol and high blood  pressure.
--- Wu Loong Tea,  Green  Tea.
9. Those who work with computers  everyday.
--- Need to drink a Lot of Tea (any tea will  do).
Whenever you are working with the computer, you  should make some tea. Drink it when you are  free.

Drinking Tea is healthy, it can protect and  prevent the harmful
Ultraviolet light from harming us  (when using computer).

Furthermore, it can also relief us when we are tired and help make our body feel fresh  again.