Saturday, September 29, 2012

Budget 2013

Ok, I don't know what to say about this year Budget, although there is some good news for those low income family, but I don't think that is sufficient as compare to inflation. Anyway, I'm not entitle for any of the sweets.

But I somehow manage to get a small piece of sweet, the PTPTN discount, hohoho. I have been paying this since I graduated from uni, but still left few k loan that need to settle. Count, count, I had paid this for 11 years, time fly, getting old now :(
... the first incentive was a discount of 20 per cent from the total loan to borrowers who settle their loans in one lump sum within one year from Oct 1, 2012 to Sept 30, 2013.
First of all, it said, 20% from total loan, I hope it is true, not 20% from balance. Last time I borrow RM21k from PTPTN, thanks to this monies that let me finish my uni, so total discount is RM21k * 20% = 21 = RM4.2k.

Based on my payment schedule, I should finish paying my loan in 15 years with interest rate of 3%, now I had paid 11 years, so left 4 years,

RM21 * (1.03)^11 * 4/15 = approx RM7.7k

After minus RM4.2k left around RM3.5k.

The total interest charge to my account is around RM8k, so basically I got 50% discount on the interest. At least it is a good news for me.

So, if you getting loan from PTPTN, then it is a good time for you to pay back. I always believe one thing, borrow money, return money is high level standard human. I still remember we are queuing like hell in a small room to get the signature from an officer, although I forgot that signature is for what purpose, but at least I got help from the government.

You may dislike what the government do, but this loan is nothing to do with politic. Please don't blame anything else so that you don't need to pay back the money, for me it is just an excuse.

So get your check ready and pay the loan.

Monday, September 17, 2012

Dinstein talk about feng shui

Lot of people don't believe in feng shui, some thought they are superstition, and against their religion. First of all, I need to make it clear that I'm a free thinker and secondly I'm an engineer that believe in facts and figures.

Long long time ago, Chinese people observe their surrounding and come out with many knowledge and one of them is feng shui. Initially, it is used as a guideline to tell people what is bad or dangerous way of constructing houses and what is the correct way to build a better houses. Feng in Chinese mean wind and shui mean water, so it is all about the air circulation and water supply which is very important to health. When the resident in the house got better health, then their life will get better, that is what original feng shui is used for.

There are few examples that I can share with you all about original feng shui.

First, if there is a big tree in front of your house, it is bad. Why? Because there is a risk of tree fell onto the house, moreover last time all the houses are made from wood, therefore once the tree is fell onto it, the people inside the house mostly will get hurt. However, now when people see lighting pole in front of their house also consider bad feng shui. For me, I can't say it is free from risk but the chances is much much lower.

Second example, beam above bed is bad for health. Again it is due to risk of beam fall off and hit the people that is sleeping under it. So, please don't tell me that the concrete beam will fall off in 21st century. But again, I can't say the risk is zero but it is very slim it will happen.

Another famous fung shui myth is that house build at T-junction is bad. The real reasons behind this are because the light from the car shinning on the house almost 24 hours a days is really bad for health for the resident in the house, and the second reason is the risk of sleeping driver ran into the house just like the following photo.

If you asking me do I believe in feng shui, then I can only tell you depend of what kind of feng shui you are telling me. If you asking me to move my toilet just to have good feng shui, then it is a no for me. But if you telling me something more logical facts, then yes. So, thinking before you accept any advice from anyone, not all are truth and not all are false. 

Harversting time

If you follow my blog, then you sure remember I planted some pumpkin. So, finally it is harvesting time after around 4 months of growing.

Total 5 fruits from 2 pumpkin plants. I don't know why the shape of the pumpkin is different, very unpredictable for second generation plants. The biggest pumpkin has diameter of around 10" or 250mm. Didn't measure the weight but I believe something around 2kg or more.

I just chop the plants since the plants is wither away. Clean the area for the next planting season.

Guest what plants I'm going to plant.

Will show you the next project soon.

*busying renovating my kitchen after cheating my wife for almost 10 years :p

Saturday, September 01, 2012