Penang General Hospital

Yo, I went to Penang General Hospital (GH) today because I had an appointment for consultation with the optometrist, eye doctor. This appointment was made since May 2020 when I had my rehabilitation follow up in GH. Therefore, I wonder how the patients sustain themselves if they are going to seek for medical treatment in GH. 

My appointment was at 10am but I received a call from Crystal from Gama, asking for Personal Accident (PA) insurance. I tried to convinced her to take up life insurance plan which covers all parts instead of just accident solely. I promised to call her up after my consultation in GH. 

The eye doctors said my left eye is still badly injured. I'm lucky as I still can see things and colours, just that my vision is dark a bit. I failed in the eye test of identifying number from the round circle. I surely will fail my driving license test if I'm taking my test now. 

The doctors even couldn't confirm my cause as well as treatment and brought me to seek for advice from the eye specialist in GH. She suggested me to take CT scan again to ensure the bruise and clogged blood in my brain and eye area are fully recovered. Hence, I had to go to 001 department (general outpatient) to take my blood for examination. Then I had to move to 012 (X-ray) department to book for CT scan appointment, it'll be on 24th November 2020 at 8am, I ought to be fastened after my dinner on 23rd November 2020. The eye doctor asked me to visit them before my CT scan to write the kidney and blood reports. Hopefully I still can remember that. I'm wondering whether they are there already before 8am even though I don't have to queue up.

I saw this poster or painting on the wall of the corridor outside 001 department in GH. These are the steps and guidances for washing our hands properly. Let's have a look.

My vision is still blurred after the few drops of eye medicine in the 002 (eye) department. The doctor said the effect will last for six hours and suggested me to take Grab car or ask my family member to bring me home. I can see big subject but the small words, for instance subjects in iPad or my mobile phone cannot be seen clearly. I thought I would get better after some time, thus I rode my motorcycle to KFC Batu Lanchang where I dated Crystal, but my vision was still the same and hence I went back to my home. I called Crystal to cancel our appointment but she apologised for not informing that she wished to change our appointment date. I was ok and I tried to date her next Monday, her off day but I'll try to find her in Gama on Thursday.

Hopefully my vision will be back to normal at night. The eye doctor asked me why I consulted them since it was more than two years after my road accident. They believed the medicine or eye drop will help out if the treatment was earlier. They even told me that eye department had checked on me when I was admitted into GH that time. I'm not sure about that since I lost my awareness that time. 

Anyway, hopefully this time I can find the ones who can help me out this round and recover my vision from dark to clear. When I was home, it was 4pm. The whole journey took so long time. From here, I realised the importance of having a medical card. With medical card, we can seek for medical advice or treatment in private hospital, which we believe is faster in efficiency and effectiveness due to the doctors or specialists' experience. 

Disease will surely find us one day, just that we're not sure when it'll be. Thus medical plan has to be owned as soon as possible. Regardless of the premium paid monthly, quarterly, half-yearly or yearly because I believe that medical fees will be a lot higher than what we pay to insurance company. This is a best deal and trade-off. 

Besides, we have to possess a living expenses plan too. Let's say we're badly fall in illness and we can't work anymore, will the employer pities us and still gives us salary as usual or half of it? It's impossible, isn't it? Hence, for protection wised, we must have medical fees and salary covered so that we won't be a burden to our family, not to mention that they still need us

齐天大圣孙悟空

 今天，我去了姓周桥那里的大圣爷庙祭拜。我有路过姓林桥的庙，但是他们没有什么铺张，因此我就不进入庙内了。

姓周桥的大圣爷庙，叫“清岩宫。这是我第二次去那儿祭拜。这次会去是因为我一向来去的四条路那间“天济坛 南天门 齐天大圣”的庙已经搬迁了。我昨天有去它对面的庙问，但是uncle只是说他们搬了一个月，但是并不知道他们搬去哪里。我是真心希望会找回的，毕竟那个大圣爷的神像，我也从小就拜到大的！倘若有人知道新场所，欢迎留言，小弟实在感激不尽。

今天可是大圣爷的千秋宝诞哦！在我出发以前，天降雨，或许是大圣爷要施水救济农作物吧！

清岩宫大门，不错吧！

 赶紧来跟大圣爷合个照吧！

这就是齐天大圣孙悟空本尊

在我发生车祸之前，这尊神像才刚要建立，现在终于有机会来看，而且合照了！真开心！这是石像哦，倘若是人工雕刻的话，那么那名雕刻师真是一流！

要注意它的对联哦！

庄严吗？

这里也要留意那对联哦！对联也蛮有意思的！棒！

之后，我就去乐捐了。原本是想捐RM20而已，但是打开钱包一看，却没有RM10或RM20，只有RM1、RM5与RM50。因此我索性就捐了RM50，就当作是两次来祭拜的钱。

过后，我想起玄母殿也有一尊大圣爷，所以便去那儿了，毕竟只是过几条街而已。可惜，他们也没有大肆庆祝。

为何那么重视今日呢？很简单，因为今天是齐天大圣的千秋宝诞！我很荣幸，根据爸爸的述说，我小的时候生病看医生都无法痊愈，但是去问了大圣爷，他要求收我为契子，我的身体便康复了，所以我每年都不会错过这个日子的，而且只要情况许可，我肯定不会错过大圣爷千秋宝诞的正日！

从前，我门是在三条路拜祭，直到他们搬迁去四条路。这次在行管令前，里边的一位uncle有给我看律师信，屋主（应该是新加坡人）要求他们搬迁了，偏偏却不知道哪里还有负担得来屋租的单位。相信这回，单位应该是没问题了，但是却没有在旧址张贴告示，或通知邻居。连我在乐捐收据看到的电话号码也打不通了！真是急死我了！现在我只希望若有人晓得，可以转告我吗？感恩！我有上网查询，但是找不到，而且我上网和sms短讯留言提问，到现在还没有人回复我！

热切期待答案揭晓的那一天吧！

最后，祝契父生日快乐！麻烦多多关照契子我，让我可以今年完成Agent II，明年可以顺利达到UM，UM三年每年顺利达标，然后荣升为GM。这样我才在经济上有能力，才能够帮忙更多的人，尤其是那些在报纸上要求医药费、生活费等的援助。

再接再厉！

Football 8

 Well, it had been a long time I didn't write on this topic. Nonetheless, I think it's the time now.

I'll write on this title because I'm insulted by the performance and results obtained by Manchester United (MU) football club, which I supported since I knew about football since primary school or secondary school time.

Now is the new season of 2020/21 and this morning was the first ever competitive match for MU, one match later than other teams since MU had participated in Europa League 2019/20 semi final but they lost. Therefore, their first opponent was Crystal Palace football club, which are not as strong as MU. However, MU lost to them 3-1 at home, Old Trafford!

I'm really disgusted since MU have invested quite a sum of money to improve the quality of the squad even though just Donny Van de Beek was recruited officially. Nevertheless, MU had signed Bruno Fernandes since January 2020. The results were excellent after his signing, I think it'll continue in that way since not much investments from other teams across the world as well due to Covid-19 pandemic.

I didn't watch the full match through television but I did watch the match's highlights. The defense of MU was cruel. Why the players in such weak opponent could score? What happened to the defense of MU? Did it due to the players' quality or tactic issues? It's hard to believe that they could do well in the second half of last season but they can't continue it this season. 

Thus, it's hopeless to talk about challenging for title or fighting for champions in UEFA Champions League, FA Cup or League Cup or whatever competitions. It's also hard to believe that MU will perform in such a low quality after the retirement of legendary coach or manager, Sir Alex Ferguson. It's still acceptable if the change is still new but it had been years and many managers had been replaced. 

Come on, please improve and be better. I don't desperate for huge glory now but at least be competitive. It's impossible that MU can't perform under any new managers. The owner of MU also has to invest in the squad in order to fight for glory, from the champion that they possess later will earn them prize money for their future investments. It's damn hard to just earn the entrance ticket solely if the performance is not good. Who'll come to watch or support this team again?

Think of something and make some changes. I believe MU can move back to glory but please don't be like Liverpool football club which need 30 years to claim back the league title. 

语言的突破

一段时间没有更新我的部落格咯，想念我吗？哈哈哈。。。

今天，我终于读完了由Dale Carnegie著作的《语言的突破》。其实，这本书是我以前与其他书籍在淘宝一起购买的，因此也可以算是买来了好久，只是没有机会去阅读而已。没关系，相信我接下来的时间，应该还会继续努力把所有我购买来的书籍都读完。

坦白说，这本书对我的帮助不多，因为它主要是针对演讲的技巧。而这些技巧我刚好大致上都晓得了，而且甚至还精炼。况且，我不是演说家，所以要用这些技巧的机会很少。虽然我是寿险从业员，要时常上市场见人分享寿险的概念和保单，但是大致上都不成问题。现时我只想找方法转换市场！

倘若你的演讲能力有限，却又想提升的话，那么这本书是值得一读的。对于我个人而言，对我的帮助不大，因为想回以前我在TARc时期，我可是全学院数一数二的演讲者哦！很多人听了我的演讲后都为之一震，印象深刻。因此，演讲对我来说，不管场合大或小，我都一一能够胜任，不成问题。

我现今只希望有一本书教我至少一套方式去转换我的市场、什么话题、要注意什么等。期待吧！还真希望可以早日实现，因为只要能开拓新市场，而且受欢迎，我的业绩肯定会提升！对于负担逐渐沉重的我来说肯定帮助甚多！有什么方法或意见，敬请留言吧！a

忘恩负义的败类

今天是Cyndi王心凌的生日，而且还是Daniel Chuah和H.F.的生日，因此我今天特地去Queensbay买了Bread History的BlackForest给H.F.，因为她今年虽然刚认识我不久，在知道了我的生日后，就买了蛋糕给我。所以，这次就当作是还恩。

当我回家，妈咪突然说她的大姐要来我们这儿探望公公，大概傍晚六点钟。我当下就告诉阿嫲说我今晚不会在家吃晚餐了！理由很简单，我不想看见他们！忘恩负义的家伙们！

我就去了Cosway找Douglas，顺便打算跟他一起吃晚餐。碰巧的，他刚好要来Kuta Bali Cafe这里吃煮炒。我们约了眼镜店uncle一起。

我们叫了三盘白饭，还有这五种餸、菜、汤，其中Douglas还打包一包的猪肚汤，一共才要区区的RM66。

我回家时，先搞清楚败类们是否离开了，才胆敢开门入屋。我发现我屋外的拖鞋被推向左边了，而且我的客厅旁的房间的门没关，因此我猜想败类们肯定有来过！在我出门以前，我肯定地深锁了我的房门，而且客厅旁的房间门也是关上的。

洗完澡后，我就去我的父母家。他们每个人都闭嘴，以为我不知道，所以我也闭嘴就好！拿了我的衣服后， 我就回来写blog了。

我问公公来我家的人数。他坦言当时他有陪同一起上来我家，败类们是我妈咪的大姐，她的大女儿跟大孙女、三女儿夫妇及双胞胎，还有她的儿子有来，最大的败类，大姐夫没有来！我很生气的， 因为我警告过我的家人，不准让他们进入我家，因为我讨厌他们，所以连在他们身上花一分钱都不肯！来了我家，至少会用到我的电源吧！公公说他们有用手拜祭我的佛陀！希望他们完全没有触碰到其他东西吧！

我曾经转达我的家人，不准让他们去我家，不然我不会给他们我家的钥匙。但是我爸爸和阿嫲便说我高傲，买了屋子也不给人参观！其实，我并非骄傲，只是他们这些败类就不行！我教他们一个借口，就是他们没有锁匙，而我尚未回家。我有放宽条件，那就是如果公公在我家，而他们直接来我家，便无奈开门给他们进来，不然我会叫公公在我父母家等候，他们可以不需要开我家的门让他们进入的！这次，证明了他们办不到！我在犹豫是否应该换门锁！

为何称呼他们为败类？因为以前公公帮助过他们特别多！他们家庭的第一辆电单车和第一辆Proton Saga，都是公公出钱买给他们的！因为他们的家乡在吉打，要乘坐巴士回去很不方便，而且孩子们还小。他们有还公公车子的钱，但是公公有记录，说他们没有还清！我在此特别注明哦，公公是没有算计他们利息的哦！

现在，女儿出嫁了，丈夫富有，所以我妈咪的大姐与大姐夫一起搬去女儿们在吉隆坡的家居住，并照顾孙子们。见钱眼开！败类！他们还说不是不要照顾公公，是他们没有时间！以前二女儿的孩子们可以来槟城升旗山居住，现在三女儿的不能，因为三女婿不给，而且还害怕孙子们被蚊子叮咬！败类！忘恩负义！他们情愿在女婿的父母来时，搬去另外一个女儿的家。

由于升旗山的家，车子无法到达，因此我也建议公公卖掉，不然救护车是无法来的！我妈咪的大姐全家知道公公找买主时就大发雷霆！败类！所以，我告诉妈咪，我不会再见他们的，除了两种情形而已，一是清明节，二就是公公去世时！我甚至告诉妈咪不需要跟他们一起清明祖先的！

以前公公还有做生意时，山顶上的水电费、电话费都是公公支付的，而他们全家人只是提供餐饮而已！现在他们全忘得一干二净了！败类！

现在，我故意买了这间家，就是给公公居住而已，而山顶卖屋子的钱，公公也公平地分配给这些败类！我期望不大，我只希望公公身体健康而已，不然他剩余的钱财应该不够提供给医生，同时也期待着败类们的报应！前几年才心脏需要搭桥手术而已，但是这惊吓不了败类！

所以，我不想面对这些败类，我有错吗？我不让败类进我家，有错吗？

New House Opening Day

Yesterday, my dad organised a lunch gathering in my new house. Actually, my God's altar arrived on Wednesday and my lord Buddha had been sent by Mikki on Thursday. Mikki told me that I could move in my new house after lord Buddha had arrived but my dad said Friday was a good day when he peeked at the calendar. Therefore, my grandpa and I moved in and slept at my new home two days ago but yesterday just for the lunch gathering as my second and third sister were not around at night.

My grandma even invited two of her sisters to come along too. Frankly speaking, this was not my wish as I don't want to reveal to too many people. Well, it's ok. 三姨婆and五姨婆gave me an ang pow of RM50 and RM80 respectively.

五姨婆said she had terminated her medical insurance from Hong Leong Assurance (HLA) due to agent's attitude and service. Her agent didn't want to collect premium from her too. She thought she might use the yearly premium as the costs and fees for other supplements. She was not going to take from me too after knowing her premium at her age now. Perhaps she thought she would be okay with supplements and no medical issues to be worried about. Well, may God bless her. 

They liked my house renovations and purchasing price. I just let them know that I bought this house because of my grandpa. We had a lunch steamboat in my house and they exited after one hour after the lunch.

As usual, let's have a wefie before the lunch. In this photo, there were my grandma, grand aunties, my second sister and I.

I bought this house with my own money and fund. Luckily I could do some fixed deposit savings in banks previously. The savings were used as my initial payment, lawyer fees, costs of renovation and furnitures.

This is my sofa bed. It can be fixed in three postures, such as lying down, half-lying or sit straight. Well, it was cheap as I bought it online. I just need to assemble the four legs of the sofa bed myself. This is a four seaters sofa bed. I was worried that it couldn't enter my lift or entrance. Luckily, all was settled perfectky.

 

 My chair as my office chair. I need to assemble it from the wheel to the lying cushion. Well, it was okay due to its price. I bought about RM80 but it was RM299 in furniture shop.

My shoe rack. It's about RM15 per rack include the delivery charge.

Thermo pot for boiling water and induction cooker with stainless steer pot.

My wardrobe with bed frame. It includes cosmetic table too.
The price was RM1,199 in furniture shop but I just bought for RM559 online with delivery and installation too.

My God's altar. The one that I bought online was within RM300 including the delivery charge but the order had been cancelled. Due to the time period and assembly issue, I bought it in a furniture shop opposite 来来kopitiam. The lord Buddha was sponsored by Ms Boon for RM600. Mikki said I don't have to stick gold sticker on the Buddha's body and I'm prohibited from clearing the whole 香灰缸. I just need to open the lamps and lights in my whole house as well as opening the water for three consecutive days.

My office table which I did it myself. Cheaper than buying a new one. 

Kitchen

Front room

Toilet

Bathroom 

My master bedroom with the balcony. 

My back room where my grandpa will stay.

My grandpa's wardrobe which was RM400 in furniture shop.

Well, I need more cupboards to store my things. Therefore I'll buy more later. I'm poor now as everything is on my own costs. My mom and Ms Boon just contributed little for me. Thus, I need to work hard to earn more now. Laziness isn't an issue for me, I just hope that I can expand my network and more people will buy saving or insurance plans from me. God must bless me. 

Then, this is my first shelter. Hope for more later. Some people even said that I can get married already since I have a house now. So I just wait for my fate. 

Road Accident Anniversary 2

Today marks the second anniversary of my road accident since 2018. However, my vision is not as good as previously. There is still dark vision just that not as dark as last time. It's about 10% darkness.

From my mobile phone's event reminders, I notice that today is also the anniversary of my grandpa's death since 2014. But it isn't lunar date. Thus, no wonder I could meet the road accident that year. It's okay, it's over and everything which is good will come very soon because I had met the accident, which was my karma. Now, no more debts and I'm going to be very well afterwards.

I had a virtual training from Great Eastern this morning and I went to agency for free wifi. I met Tracelyn. She met her agent in her office upstairs. Initially I wanted to date her for lunch but when she came down, my class had not finished yet. After the end of my class, she had driven off. I whatsapp her and she told me that she had appointment. I wished her good luck. 

Then C.M. Loh met me for this Friday's journey discussion. We will go to Melaka to meet my newly appointed agent there to finish his agency contract. Well, from his experience to K.L., the experience of E.T.S., the fast speed train was not good. He informed me that the E.T.S. that he took to K.L. took him four hours journey which was equivalent to by bus or own car driving. He further told me that it has no wifi service provided in the E.T.S., the speed of the E.T.S. was just about 130km/hr. Hence,  we decided not to take the train. 

So, I just hope that everything will be fine and smooth this Friday. I hope that this agent will help me for G.M. promotion later.

Movement Control Order

The world is facing Covid-19 pandemic now. Initially Malaysia has no wish for a lockdown as the then prime minister, Tun Dr Mahathir still announced that no prohibition for all foreigners to Malaysia and all Malaysians are free to go overseas as their wish. That time, fewer than 20 people was admitted due to this disease and none of them was Malay, they were Chinese, especially those came from China.

However, Malaysia starts to have local case after the religious gathering by Muslims in Kuala Lumpur. Since then, Tun Dr Mahathir stepped down by tendering a resign letter and new prime minister was appointed, Muhyiddin bin Haji Muhammad Yassin. Sorry that I'm not sure about his title, whether he is Tan Sri or whatever.

He officially announced that Malaysia will be under Lockdown period since 18th March 2020. But the movement control order was subsequently extended for a few times and it is now Recovery Movement Control Order till 31st August 2020.

During Movement Control Order, all Malaysians were prohibited from working and hence many businesses closed down their businesses. I think the bosses will only reopen or restart their business after the economy is recovering later to mitigate their loss. Malaysia government had promised to fund the bosses RM600 per employee as long as their salary didn't over about RM4,000 per month. Nevertheless, this was just one time measure instead of every month of Lockdown.

What did I do during this period of time? Super  Group (SG) founder, Mr Hoi did WhatsApped me. He encouraged me to enter the reading group organised by SG. I rejected him due to my eye's issue. Later, I went for blood donation as requested by Ms Boon. This was not my will as I thought I would be safer by not going to the public.

Well, I did read some books too. I had finished 'Awaken the Giant Within' and 'Re-Awaken the Giant Within' as well as 《激发无限潜能》by Anthony Robbins, 《人性的弱点》 and 《人性的优点》by Dale Carnegie and 'The 7 Habits of Highly Effective People' by Stephen R. Covey. Now I am reading 《语言的突破》by Dale Carnegie. 

Are these important? Well, SG had encouraged us to read 'Awaken the Giant Within' and 'The 7 Habits of Highly Effective People' in these few years and a few reading groups were formed. Frankly speaking, I had done majority of these books before I met the road accident in 2018. Since I was scared of misinterpretation by the author in other languages, hence I had finished 'Awaken the Giant Within' and 'The 7 Habits of Highly Effective People' in English version. Hence, I was reading 'Awaken the Giant Within' in Chinese version this round, 《唤醒心中的巨人》.

Hence, if I consider 'Re-Awaken the Giant Within' as similar book as it is just a shorter version of 'Awaken the Giant Within', for this series of books, I had come across three times now and 'The 7 Habits of Highly Effective People' twice. In my opinion, 'Awaken the Giant Within' is more suitable to those without any life goal or purpose.

《人性的弱点》 is better than 《人性的优点》 as it teaches us how to communicate with people with lots of examples given, however 《人性的优点》 just teaches us about the ways to overcome 犹豫.

Nonetheless, reading is better than doing nothing at home. From what we read , we rectify our action and mindset to be successful later.

Taxation

I went to IRB (Inland Revenue Board) or so-called in Malay, LHDN (Lembaga Hasil Dalam Negeri) this afternoon to ask for something. 

Firstly, I wanted to ask for the letter or receipt that I received this morning. It stated that I had paid RM3,000 + to someone who I didn't know via cheque. The person-in-charge at the customer service counter told me that there was mistake by indicating my name as it was the receipt of IRB for RPGT (Real Property Gains Tax), so the payer's name should be in my newly purchased house previous owner's name. 

Well, then I asked him whether I could charge the loan instalments and electricity as well as water supply as expenses in my business's income statement to reduce tax. He said I'm not allowed to do so as the premise is for my residential purpose at night. He then called his superior, who's tax agent, so-called tax expert via phone call and passed to me. The superior initially not allowed me to do so but after his discussion with his colleagues, he then said I can charge the interest portion of my loan instalments as expense, but it's just limited to 30% of it. I further need to prepare loan statement from the bank as proof. He subsequently mentioned that I can charge 30% of electricity and water supply bill as expenses too. 

Alright, I'm glad with that even though I can't charge my full loan instalment. At least, this helps to mitigate my expenses later. Let's look ahead and aim for better future.

Purchase of House 5

Well, I had received the keys of my house from the lawyer's office. They were four keys altogether, including the key for the letter box, keys of lock as well as door for main aluminium door and the other one I am not sure until now, so just treat it as secret. Therefore, I had called T.P.C. for door knobs and locks replacement. 

Aluminium door lock = RM85
Wooden door lock = RM100
Five door knobs = RM35 x 5 = RM175
Four door magnets = RM20 x 4 = RM80
Total = RM440

Why I wanted to change the aluminium door lock? This was because I had changed the key twice from T.P.C.'s key shop but they were still cannot function. This price was very cheap to me as my dad asked our neighbour from 10th floor for these things' replacement and he quoted me for over RM500. Thus, I gave the business to T.P.C. due to lower price and the price quoted already included labour charge.

I found an uncle recommended by L.M.C.'s brother for iron and awning replacement. He charged me RM1,450 but due to I was introduced by his friend, he deducted RM50 for me. My neighbour asked me to do it fast and he thought the price is cheaper than what he thought.

I ordered two KDK ceiling fans and two Panasonic ceiling fans from Shopee. The Panasonic ones arrived at my house yesterday. Hopefully the KDK ones can be reached by tomorrow.

Today, William came to my house for air conditioners' service. He told me that the air conditioners that the owner left to me were all broken in fan's motor and the model of the air conditioners were old, hence he was scared that he might not find the spare parts for me. I asked him to find and let me know by tomorrow to decide whether to replace. I asked him to take the air conditioner which I bought from him last year in my parents' house to install in my new house. He agreed. 

After William went out, the workers that my dad found to replace my house's glasses arrive. Since the glass spare parts were all rusting, hence my dad asked to replace my glass into a dark glass and change the spare parts into aluminium ones so that no more replacement in the future.

This are the glasses from my master room. 









   




These are the windows and dark glasses from the room beside my master room.

These are the glasses from my living hall.

This is the ones from the room beside my living hall.

There is one section from the windows in my kitchen which I forgot to take photo.

Alright, I am waiting for tomorrow as L.J.L. who is my client and electrician to come my house for whole house electric sockets, wires, dismantling of some appliances and fans installation. 

My dad said the fans can be stopping installing first, we can ask L.J.L. to instal them later after the house is painted fully. I disagree since even though we are warrantied for one year but we need to know whether there is anything missing during the delivery to claim for replacement or refund.

I am waiting for PBA too. I had complained about my water meter and licking switch on Tuesday. Since now is RMCO (Recovery Movement Control Order), the payment counters are only opened in PBA, hence I had to call them up instead. The person-in-charge said the technician will come at my house and take the form for my signature later in two days time, starting on Tuesday. However today is Thursday already and the technician is yet to come. I called PBA again this morning. Hopefully they won't delay again, otherwise I will go to PBA tomorrow.

I had changed the ownership of my electricity and water last week. In TNB, they charged me RM250 as deposit, which is fixed by our house's square feet, RM3 for service charge and RM10 for stamp duty, they photostate my IC free of charge. For PBA, they charged me RM70 as deposit, RM11 for RM10 stamp duty and I had to photocopy my IC myself for RM0.40. The person-in-charge said if they helped for photocopying, the clients at my back would ask them to do so too.

Well, now just hope for the best. My house still need electricity, water, iron, mosaic and painting to be fully ready. Hopefully they can be finished in this month.

Purchase of House 4

Malaysia is implementing Movement Control Order (MCO) from 18th March 2020 until 12th May 2020. This is just a temporary measure to avoid spreading of coronavirus. I just hope that MCO won't be extended further as Penang is finally a green state, which means no more new patient and all patients previously affected were discharged from hospital. If MCO is extended, I probably will have no people to meet, then how to secure new cases?

On the second day of the MCO, I had paid RM15,600 to the lawyer after they decided to deduct RM200 from my legal fee after I asked for reduction. Hence, my total initial cost for the purchase of my first shelter is RM52,000 (balance after my loan) + RM5,800 (legal fee). Since I had paid 10% (RM25,200) + RM2,000 (initial legal fee), then the balance is RM30,600. So I had paid RM30,600 with two instalments. First one was RM15,600, and the lawyer asked me to pay the balance because I was reluctant to pay during MCO because my income was affected. However, the lawyer said since the bank is still opened, then no extension of the three months period stated in my Sale and Purchase Agreement (S&P), the bank will only release my loan after the lawyer has proven to them all my balances are cleared, otherwise the seller will impose me interest if the full amount is not received after the three months period. If the tenant is not yet moved out after receiving my loan, then the seller has to pay me interest of 6% p.a. based on my purchase price instead. Ergo, I paid the balance of RM15,000 subsequently on 21st April 2020. Now just wait for my full loan released as the redemption sum (balance of seller's loan) was released only but I just have to interest on that amount now.

The lawyer has an agreement with the bank, if the bank cannot provide the full loan or the original documents within 7 days after the lawyer has requested, the completion date will be extended free of interest according to the delay. The bank has only 60% workforce during MCO. Now just hope for the best and I can get the keys as soon as possible.

I had went up to see my first shelter few days ago, I noticed that the door was locked and all the windows and glasses were closed. I thought the tenants inside had moved out, hopefully it was not because they had gone to work. Now, I just need the keys and transfer ownership on the PBA and TNB, I want to watch the inside of my house and do some renovations if needed.

Since we can do nothing during this MCO period, just hope that the MCO won't be extended further since Malay's new year is coming soon and Penang is already a green state. I went to meet Ms Liew for death claim yesterday in the morning and subsequently met Lay See and Ms Ooi in Gurney Plaza. Ms Ooi said she liked my attitude as I still remembered her request to change for debit card payment. Hopefully she can encourage her daughter to buy insurance from me. Certainly, I had not relinquished to ask for referrals from them and strengthen their concepts of insurance planning for themselves and their family members.

Purchase of House 3

I went to sign the Sales and Purchase Agreement (S&P) on Wednesday. The lawyer, Ms Teoh dated me at 4pm.

Before that, I managed to sign my BICT's friend, PS's youngest daughter's medical plan. Thanks for her trust and support as she delivered the baby in June 2018, just one month before my road accident, but she waited for me and bought the insurance from me until that day. Wow, I really appreciate her support. 

When I signed the S&P, the house owner was not there. He will sign the S&P next week with his wife, which I informed the lawyer to make a warm reminder to him. There were so many documents needed to be signed and I had to sign on each page to prove that I had read and known the existence of the pages. However, I didn't read the pages indeed. Anyway, I just trust the lawyer.

She said my total lawyer fees, including legal fees, stamp duty and disbursement will be RM6,000. Is it expensive? I didn't know. She said since this is my first house purchased, my stamp duty will be waived by government. She further told me that the house owner will be taxed under Real Property Gain Tax (RPGT) as our Malaysia government had announced that every sale of the house in Malaysia will be taxed RPGT regardless of the terms or tenures bought since 2020. Thereupon, she will need to withhold 3% of the selling price of the house and let government to compute the RPGT on profit from the sale.

This time, my dad went to the lawyer's office himself but he reached there before me. He asked the lawyer to enquire the house owner that can he pass us the house's keys earlier, probably next month or April because we need to do some renovations there? So, just wait for the lawyer's reply. 

She said sellers will only pass the buyers keys when they receive the full payment, including those from bank even though the buyers' loan had been approved by the bank. Nonetheless, the seller or the brother of the seller had told my dad that they would pass us the keys earlier since the seller has many houses in Penang and the one that I buy is for his workers who are from Nepal to stay as hostel only.

Well, hopefully it will be March or April 2020 to get the keys instead of May or June 2020 as stated in the S&P, the so-called 3 months + 1 month. The lawyer just helps me to change name on quit rent and Indah Water. I have to change the PBA and TNB accounts to my name myself. 

I had asked the PBA on Tuesday that I had to pass them the documents and forms earlier than the seller to change to my name, otherwise they will dispose of the water meter outside and when I go to submit my details there, only they will install the water meter back to me. Therefore, hopefully the seller can go to the PBA and TNB offices with me later.

So now everything is signed and just hope for the best.

Education System

Our Prime Minister, Tun Dr Mahathir had suggested that Mathematics and Science be taught in English language in all levels. So, is this a good measure?

Frankly speaking, you should consult those experienced it before like my batch. My batch, who was bornt in 1990. We were the first batch in Malaysia that experienced Mathematics and Science taught in English in secondary level. 

I agree and support it if it is taught in secondary level instead of primary level. This is because children have to be taught in their native language. It can be changed to English in secondary level because like me, I started to learn English in secondary level and my English is improved since then.

If the Mathematics and Science were not taught in English, I believe that my English wouldn't be this level. Hence, start it in secondary level. If it is implemented in primary level, I'm worried that kids will skip class or abandon these subjects, most probably they are difficult to understand. 

Tun Mahathir said that we should be in line with the world and hence English is a must, so he suggested to start in these two subjects first. In my opinion, I don't mind if it starts in secondary level. However, many cabinet candidates protest. If English is the only subject to learn this language, how can we pursue our study overseas later? How can we compete with the world later?

Think properly, don't waste our time. Keep on changing the education system bears no benefits to our children. 

Purchase of House 2

I went to Kampung Jawa Public Bank to sign my loan offer letter just now. This week will be my end of 14-day period as stated in my contract with the house owner whereby he cannot sell his house to third party within this period without any penalty.

Since Bank Negara Malaysia (BNM) announced that the Base Rate (BR) is reduced by 0.25% last month, so Public Bank starts this reduction in February 2020. Thus, my mortgage loan interest rate will be BR+0.7%. 

Today was Ms Lim who serves me. She was good and patient as she explained all the terms and conditions with me. I told her that their rate was not the lowest yet as Maybank offered me 4.3% without MRTA and 3.8% with MRTA. This was the rate last month, thus now should be lesser. Furthermore, their MRTA just costs about RM500 instead of RM5,000 as stated in Public Bank. She was shocked.

Thereupon, my instalment will be RM890 per month instead of RM920 monthly as stated previously. However, this rate will increase if the BR changes again. If BR has increased by 1%, then my loan instalment will be RM1010 per month. 

Last time, the BR of Public Bank was 3.52% but now due to the reduction, it's 3.27%. Therefore, I am enjoying the rate of 3.97% now but it is subjected to change. My MRTA just about RM750+. I'll buy the MRTA from them to enjoy lesser interest rate. However, I still need to submit my apartment's fire insurance from my apartment's committee to them yearly. 

My house's valuation fee is waived since the house owner also took the loan from Public Bank but the processing fee of RM200 for those loan above RM100,000 cannot not be waived since my loan was RM200,000. I cannot make full early settlement in three years without any penalty but I can dump in some money. I can withdraw the dumped in money from the bank next round with minimum of RM5,000 per time. Each withdrawal will cost RM50. I need to apply for Public Bank credit card too. Thereupon, I asked for cashback credit card offer. Now I'm just waiting for the offer.

So I had signed the offer letter, hopefully everything runs smoothly now and I can get my home by this month. Hopefully the lawyer will call me for appointment with the house owner this week in his office. 

Purchase of House

Last Friday, I went to Wong & Loh Associates and Solicitors near i-Avenue. I went there due to purchase of house. I'm not sure who was I dealing with. My dad followed me there. The boy asked for a 10% deposit, RM2,520 because my agreed price with the house owner was RM252,000. The boy said I had 14 days to wait for loan approval as I was protected by the law and the house owner can't sell his house to third party within this period. I was given a photocopy of the house's grant and title. I decided to go for all the banks on Monday since I had been waiting for Public Bank's approval for one week. So, RM252,000 - RM2,520 = RM249,480 remaining to settle later. The boy said I can apply for loan from any banks, just that HSBC is not their panel bank and CIMB as well as Maybank will be late on payment efficiency.

Around 6pm, the banker from Public Bank called me. He said that my loan under my individual name was approved and I had the waiver of house's valuation fee, which was about RM800. Now he is just waiting for the approval of special rate which he applied for me. He said my insurance was just within RM1,000 since I am an insurance agent and I informed him that Maybank could provide me a rate of 3.8% with insurance charge of RM500 only. Hopefully my special rate of 4.2% can be approved instead of 4.3%.

Well, I applied for RM200,000 loan with 35 years term in flexible account but I can't settle the loan within three years unless I don't mind to be fined a penalty charge. The banker said the loan instalments are still the same even though I have dumped in a sum of money. It will deduct  one month's instalment before subtracting my loan's principal. It won't deduct my loan instalment instead it will minus my terms. Ergo, I asked him to quote me 35 years instead of 30 years or 25 years. I have seven days to pay the instalment before additional interest will be charged. I sent him the name card of my lawyer via WhatsApp. 

Now, I still need to find RM49,480 to finalise my purchase price. The boy from the lawyer firm there said they won't represent us to deal with house owner regarding which electric equipment or furniture will be left over to me. They will ask us, the buyers and sellers to communicate with each other before the S&P is signed later. So God bless, hopefully the house owner will leave whatever in the house when my dad eye-sighting the house to me. 

Licenses Renewal

Well, it's January now, meaning that I have to check the deadline of my licenses. On Wednesday, I went to Bayan Baru Market third floor to renew my business license in SSM. It is a mobile station, thus it changes its routine, it just operate in Penang Island in the Bayan Baru Market on Thursday per week instead of Wednesday and Thursday each week. Therefore, I was not able to do it on Wednesday and I successfully renew it for five years on Thursday. The renewal fee is RM60/year. My deadline was 3rd January 2020 but I was late for one week. I was fined for RM20. The officer there said it would fine me even I was late for one day.

The next day, on Friday, I went to JPJ Penang, just to renew my driving license. I met Gary Chew there, he was there to renew his car road tax. The renewal fee for driving license is RM30/year. Hence, I renew for five years.

Why always five years? This is because I'm worried that our government will increase the price later, so I'm better to lock the price now. Ergo, I overspent this month. This is because I had paid RM2,500 to my dad as my new house's deposit of 1%. 

Now I''m just hoping that I can secure the house. The loan banker from Public Bank, who is introduced by the house owner don't reply my query messages even once. Thus, I'm very disgusted and his service is not good. Therefore, I think my service and attitude are better than him. But he is driving a Honda Accord now. Perhaps he still owes a lot of money.

Let's hope for the best. I need that house to let my grandpa to stay after CNY this year as he is obliged to move out of his sold house in Penang Hill before 1st March 2020.

2020 New Year's Resolution

Yoyoyo, today is 1st January 2020. Well, it's a new year and everything will start from zero for my career. Let's make some resolutions now and see how many we can accomplish later at the end of the year.

For Year 2020, I want to pursue my time back. I had rested for more than a year since my road accident and I want to earn back my money and do my things. 

1) My eyes will be recovered this year. When I first spotted my dark vision after I am awaken, it was 80% dark and now it's improved, it's now just about 15% dark.
2) I want to start my exercise back since I was 69kg when I weighted myself in the last two consecutive blood donation in Mahindarama Buddhist Temple. Last time before my road accident, I was just around 59kg and now I have grown fat 10kg, oh my god!
3) Since my career is helping people in the society, especially the poor ones, therefore I hope that I can close at least one case per week, either insurance plan or saving plan. Service is not a matter to me. Since I am doing a good thing, so I hope God will help me this round.
4) When I have those cases in hand, my salary will go higher, thus I want to donate to those in newspaper asking for help medically or living expenses. 
5) Since Ji Gong said my 'red string' is out, thus I hope for a girlfriend, regardless of known or unknown as long as I am crushed on her.
6) Since 3V6R daily is what Super Group (SG) promotes and encourages so far, I hope I can do it now.
7) Hopefully I can secure a house this year since my grandpa is going to stay with me and his house in Penang Hill had been sold.
8) I want a car too. Since my uncle is not going to sell his motorcycle, ergo I don't intend to sell my motorcycle just for a new one too.

I believe more will come later but now it's eight altogether. Well, in my opinion, I hope for No.3 and No.5 the most, money and love. My friends around me were getting married or even with kids already, so I hope that I can be one of them too. Well, it's time now, I am age 30 this year.

Let's hope for the best.