Archive for December, 2007

Santa’s 10 Priceless Presents for you

Wednesday, December 26th, 2007

Season of Giving 

It’s that time of year again known as Christmas. Whether we’re a Jew, Christian, Muslim, Buddhist, or Hindu - believer or unbeliever - we probably all welcome a season that’s devoted to GIVING. For that’s when humanity is at its best. That’s the time we transcend our petty thoughts of self-interest and reach out to others.

In the words of Cicero (106 ~ 43 BC), "In nothing do men more nearly approach the gods than in doing good to their fellow men." As I write, malls are swarming with shoppers looking for the perfect gift. So, I’ll devote this space to making some suggestions. The good news about the priceless gifts I recommend are that they are affordable by all. Here is a list of gifts you may wish to consider.

1. PEACE OF MIND. Instead of upsetting others with anger, suspicion, or impatience, grant them peace of mind by being understanding and accepting. Drop childish demands, the need to always be right, and the insistence that others live by your rules. When you grant others peace of mind, you will discover your own. For as someone else wrote, "The road to daily happiness is not hard to find, it’s what we do for others that brings us peace of mind." 

2. FORGIVENESS. This is not only the season for giving, it is also the season for forgiving. Although there are many similar cases, the media carried a story this week of a mother who forgave the man who brutally murdered her daughter. By releasing the rage she felt in her heart, she was able to get on with life and focus on doing good, instead of wishing harm to another. Is there a coworker, relative, or neighbor that you are holding a grudge against? If so, isn’t time to forgive and forget? Someone said to me, "I can’t forgive my neighbor because she is so rude." But isn’t it rude to call one’s neighbor rude? So, you see, when we find fault with others, we defile ourselves. We can’t cast mud on others without splashing some on us. 

3. JOY, EXUBERANCE. No one likes a complainer. So, rather than whining, start dining at the banquet of life. Start spreading the good news. Spread cheer, not fear. Avoid hanging out with malcontents. It’s true that misery loves company, but you don’t have to accept their invitation. 

4. YOURSELF. Give the greatest gift of all, yourself, by serving others. When you do so, you will experience joy. For as the Nobel Prize winner and Bengali poet, Rabindranath Tagore (1861 ~ 1941), wrote, "I slept and dreamt that life was joy. I awoke and saw that life was service. I acted and behold, service was joy." 

5. HOPE. Discouraging words can destroy people and encouraging ones can uplift them. Offer the gift of hope by heeding the words of Albert Schweitzer (1875 ~ 1965), "Sometimes our light goes out but is blown into flame by another human being. Each of us owes deepest thanks to those who have rekindled this light." Rekindle the flickering flames of those around you. And don’t neglect yourself, for as Harriet Du Autermont writes, "No vision and you perish; No Ideal, and you’re lost; Your heart must ever cherish Some faith at any cost. Some hope, some dream to cling to, Some rainbow in the sky, Some melody to sing to, Some service that is high." 

6. UNDERSTANDING. Try to put yourself in the place of others and understand how they feel. In this regard, George Washington Carver (1864 ~ 1943) offered this advice, "How far you go in life depends on your being tender with the young, compassionate with the aged, sympathetic with the striving, and tolerant of the weak and strong. Because some day in life you will have been all these." 

7. FRIENDSHIP. Can you imagine anything more painful than loneliness? To help eliminate it, be a friend. By offering companionship and support, you help make their and your life worthwhile. Or as Amanda Bradley wrote, "Celebrate the happiness that friends are always giving, make every day a holiday and celebrate just living!" Also worth sharing is Amanda’s poem on friendship: "We may not always realize / That every thing we do, / Affects not only our lives / But touches others, too! / For a little bit of thoughtfulness / That shows someone you care, / Creates a ray of sunshine / For both of you to share. / Yes, every time you offer / Someone a helping hand … / Every time you show a friend / You care and understand … / Every time you have / A kind and gentle word to give … You help someone find beauty / In this precious life we live. / For happiness brings happiness / And loving ways bring love; / And Giving is the treasure / That contentment is made of." (Amanda Bradley)

8. COMFORT. A gentle look, a soft touch, or a warm embrace may be all that is needed to lessen the pain of another. Isn’t it amazing how so little effort on our part can change the life of another for the better? Here’s sound advice from the Dalai Lama (Bstan-’dzin-rgya-mtsho), "Our prime purpose in this life is to help others. And if you can’t help them, at least don’t hurt them." 

9. A SMILE. A smile puts people at ease. It tells them you are not a threat. It lightens their burdens and raises their hopes. And when it accompanies another gift, the recipient is twice rewarded. Robert Alan put his thoughts on smiling in verse: "Sometimes just a smile on our face can help to make this world a better place. Stand up for the things that are right. Try to talk things out instead of fight. Lend a hand when you can, get involved this is good. You can help to make a difference in your neighborhood." 

10. A CHANCE. One of the great gifts we can offer to another is a chance. If they’ve gone astray, we can give them the opportunity to make up for their misdeeds and recover from their mistakes. By recognizing that people make mistakes, we give them the courage to change. What better way to make a better world? 

The above represent only some of the many gifts we have in our power to give. We can decide on the most appropriate one by asking ourselves, "What is the most loving thing I can do for the person now before me?" Our gifts don’t have to exceptional. Even small ones will do, for as Mother Teresa (1910 ~ 1997) said, "It’s not how much we give but how much love we put into giving." As we go through life dispensing gifts, we discover who we are and who we can become. And with time we will learn that the good we do for us dies with us, but the good we do for others lives on. 

I"ll end with a quote from an unknown poet, 

"Somebody did a golden deed; Somebody proved a friend in need; Somebody sang a beautiful song; Somebody smiled the whole day long; Somebody thought, ‘Tis sweet to live; Somebody said, I’m glad to give; Somebody fought a valiant fight; Somebody lived to shield the right." 

Let that somebody be you.

PS:  These gifts were forwarded by my late friend Yap Lai Choo aged 45, who had a first and fatal heart attack on Chirstmas morning, leaving behind her 7 year daughter and husband. May her soul rest in peace.

It’s not worth killing yourself, over your job and neglecting your health. Check your cholesterol levels and blood pressure levels today!.Visit my blog http://cholesterolcare.blogspot.com for more info.

A Joyful & Blessed Christmas 2007

Monday, December 24th, 2007

A year has passed so quickly and it’s Christmas again.

To all my dear family and friends, near and far, you are always in my thoughts and prayers, although we may not have kept in touch so often.

Christmas is a time to share joy and happiness, and share our 3 priceless gifts - our gift of love, our gift of peace of mind, and our gift of hope for more time, better health or more money.

So have you been naughty or nice?. Tell Santa Kraal and he will bring you an appropriate gift. hahaha.

A Joyful & Blessed Christmas to you and your loved ones and may the Christmas spirit live within you everyday.

Credit card cash rebates

Wednesday, December 19th, 2007

Forget about points, now cash is king!. Lots of people are confused about all the new credit card promotions now going on.

So here is a list of cards I use, and the cash rebates i get immediately with the strings attached if any.

1.  UOB Visa Platinum One Card

- 4% at Carrefour - minimum purchase RM100 and rebates given in RM50 increments

- 2% at BHP petrol

- 10% at Sushi King

- 1% at HSL

- 0.3% at any other outlets

2.  CIMB Unicity Mastercard

- 1% off Unicity purchases

- 0.5% off any other outlets

3.  Affin bank BHP card

- RM20 free BHP voucher

- 2% off BHP petrol purchases

4. Citibank Airasia Mastercard

- RM50 free Airasia voucher

Forget about the Citibank Shell card - too many strings attached - you can read more here at www.smartconsumerbanking.com

What I will do this Christmas

Monday, December 17th, 2007

7 days to Christmas and carols are playing on the radio. Does it feel like it’s Christmas yet?

My uncle whom I celebrate Christmas with yearly, passed on, so there goes my delicious Christmas day dinner party. My 3 girls are in Australia with their mummy and my sisters, so my Christmas eve dinner, mass and supper are gone too.

Thinking maybe I should go to Singapore to celebrate Christmas with my Aunt and cousins. But I think wont be the same anyway.

So if you are single (like me), how will you celebrate your Christmas and New Year eve this year?

How you do anything, is how you do everything!

Thursday, December 13th, 2007

I was with Eugene in KL having supper and he was sharing the T Harv Eker’s Millionaire Mind Intensive that he attended recently in Singapore.

When he mentioned about "HOW TO DO ANYTHING IS HOW YOU DO EVERYTHING" suddenly it made a lot of sense to me.

Life gives you back exactly what you put in. So most people play the game 50% and hope to get back 100%. If you want to get back all that life can give you, then play the game all out.

No if, no but, no excuses. You can either be rich or make excuses why you cannot do it.

Everything happens for a reason, and there’s a reason why you are reading my blog. So remind yourself daily - how I do anything today, will be how I do everything today.

To your success and abundant blessings everyday in every way.

Gifts worth RM435 with my car insurance

Thursday, December 6th, 2007

Was having supper with some friends last night and we were talking about how commissions were being squeezed out of unit trust and insurance agents.

Yesterday Star papers carried an article that commssions for unit trust investments from EPF would be halved from 6% to 3%. Considering that 80% of all investments are made using EPF funds, all unit trust agents would have their income drop by 40%.

I used to buy my car insurance from AAM but this month, I renewed my road tax with Fasfik. Insurance is sold by CIMB and underwritten by Allianz. Looks like the general & motor insurance agents are also going to lose their 15% commissions as customers like me are now buying directly.

Fasfik benefits of RM435 includes these FREE for 1 year:-

a) alighment and balancing

b) nitrogen gas fill and refill for 5 tyres

c) breakdown and towing service via commerce assurance

d) life time tyre puncture repairs

It’s time all these insurance and unit trust agents learn from me, more about how to enjoy a leveraged income and get to keep all their customers for life!.

The Pain of Buying textbooks in KL

Monday, December 3rd, 2007

Went to Popular bookshop at Jalan Petaling to get some Form 5 text books yesterday.

Only managed to get 7 books at a 15% discount. But another 14 books were not sold there.

Tried to get online today to search the books, but only managed to find one online shop selling 1 of the balance 14 to buy.

Wonder if there are more parents like me facing the same problem!

If you have found a bookshop in KL selling these books by publishers like Utusan, DBP, Sasbadi, Setia Emas, Info-didik, Kompas, Pelangi, Arah Pendidikan and Longman, do tell me.

If not, when I do find the rest of the books, I will keep you updated if you want.

Update - yesterday 6th Dec, went to Mehraj Book Centre at Wangsa Maju Carrefour and found 10 books there. Not bad cos they also give 10% discount. Now another 4 more to find. sigh…