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2018 Public Holidays Malaysia Apple Calendar Subscription

Click HERE to subscribe.... This Calendar does not include School Holidays *pardon me, not a parent yet* =P

I welcome your comments :)

Where'd my money go? (2017)

Dear readers,


Would like to share with you the ups an downs of my money spending that made my 2017 the best year of my life. Of course, not all are money well spent.

Annnnnnd it is not a long list at all, given I'm cheap and thrift af.



First on the list, well....technically it's an investment...but you gotta purchase in order to be IN the investment... 2017 was the year where O&G rebounded, thanks to the OPEC getting together to cut production. This has result in better oil prices... Long story short, it's been good investing in this sector.

For 2018, the OPEC production cut deal is set to end in November 2018 but an exit plan may be tabled in June if the market has rebalanced well. It also looks to stay strong in these few months and Saudi Arabia is looking to list it's O&G company Aramco publicly.

As a Malaysian investor, Hibiscus Petroleum was in my portfolio, making about 40% gain in the calendar year itself.


Shown above this the one year chart. This is taken from Bursa.

The company has zero debt, is producing in the North Sea pumping and selling Brent crude, is due to finalise the deal with Petronas Carigali and Shell on the North Sabah on an Enhanced Oil Recovery project. Current price of RM 0.95 and has a coverage from Public Bank Investment of a target price of RM 1.06. Company is also planning to announce free warrants, which is due to complete in First Half of 2018. If oil price remains steady, my personal opinion it could reach about RM 1.32-ish. But of course, do your own study investing in anything. The company website is here, and do check it out as their corporate governance is strong, they do webcast of their quarterly report in a Youtube video.👍




Next is the
Philips Multigroom series 7000 QG3380/16
Though I don't have a mad lumberjack beard, this beard trimmer has made maintaining my facial hair easier and more variable compared to just a shaver. Looking at all the extensions that are given, it makes grooming a little more fun



While it retails at RM 359 on Philips website, major electrical stores like Harvey Norman, SenQ and more usually offer them at about RM 269.... I got it a deal of RM 241 as I had some Lazada voucher....Do check it out. It's waterproof(but please don't charge and use it at the same time in a wet environment....Use brain and logic a bit la kays), takes 1 hour to charge for 1 hour usage, comes with a pouch.👍




This next one is the boo boo.
I can say I was a MANGSA MARKETING XD

Trapo Car Mat
It is easy to clean as advertised, cutting is perfect according to car model. It just works la. But for a lazy fucker like me, I wanna take out to clean also I malas...and the velcro that keeps it in place(which is good) makes it hard to take out as when one peels the car mat off, the vibration caused the dirt to vibrate, and some vibrated off the mat and onto the sides....again.... I'm a lazy fucker. If I asked the Bangla to vacuum it for me, I think he'll have a hard time taking it out, and placing it back nicely...Bangla won't waste time doing nicely, have you seen how they abuse car mats when they're vacuuming your car?

If your car is parked in your porch with close access to a powerpoint to vacuum it yourself, I'd say go for it... my card is parked out of my house.... so the only time I clean it is when I'm on a long break from work... like 5 weekdays off... even 3 weekend days off I won't do it. So if you're lazy like me, don't fucking get it.

Of course they're many other plus on getting this...but you go check it out on their site la ya. Price starts FROM RM 159.90...but with color lining addons and the food pad....total damage would be in the range of an additional RM 20-30++++++++


👎




Happy 2018 guys! Thanks for reading.

Daniel's 2k17

Don't bet on religion, bet on God.

Religion is preached by men, different people have different interpretation of the Holy Text, may it be The Bible, The Koran and others... Look at the world today, everything is skewed AF. People are more sensitive. Doesn't seem like progress as I'm reaching 30. Same shyt day in day out.


Why did I start with such a vague confusing topic? Well, as bumpy as my 2017 can be...my belief in God and God Himself paved a relatively smooth year for me.

1) Made money in stocks
2) Gambling returns are steady
3) Longest relationship day after day :)
4) Additional income on the side throughout the year
5) No health scare

Years have passed and I've been praying less... perhaps God is not the center of my life, money is. Buuuutttt.....I believe God is there, and he has kept me centered. Well not directly in the sense I strike big in gambling or He TT me money.... but I think He keeps me calm. Good or bad, I shake less now... I'm more sturdy, knowing that we can only move forward.

Doesn't seem to make sense right?.... I know... I can't brain it myself...I'm just pouring my heart out. Normal Daniel will be shocked to see This Daniel talking about God that much. XD


Last I wrote something like this was in November 2014... Three years later, still haven't touch my 100k target. Damn it. And to make my life more complicated, I've birthed a plan of moving to Canada. A plan, conveyed to my gf(yes I have one now for almost 3 years) and she told her parents.... Dang it now I can't seem like the type that talk no walk. Please 2018... bring Canada closer within my reach!!! Can't live in this racial shithole any longer.



Another point I'd like to share why my 2017 seems better than other years...
It's the ultimate true sincerity of giving/landing a helping hand. As a kedekut bastard, I can say that 2017.... is the year I've gave the most in my whole life.... emotionally, monetary and time. And the more you give, the more you'll receive..... Hmm, starting to think that that line has some truth in it.

There's only one thing I hope to change in 2018.... my job.


As for investments, my petroleum stocks has been a roller coaster ride throughout the year....but it has been rewarding. As for the gas investment....still waiting(3years now :( ).


What I'm tryna say that... in life, you gotta believe in something/someone that would propel you forward.

If religion is in the center of your life, like how most Malaysians are....you either stay in one spot or go backwards most of the time (of course there are some who balance it well and progress)


God is a constant. He's always there for you.... No need going around reminding people. Let them figure it out themselves...and when they do, it's more precious.

Like breathing.... we breathe everyday... do we go around talking about it?... no.... (not the best comparison but fuck it)

Wonder Woman Theme Song - Hans Zimmer + Junkie XL *MUST WATCH*

Watch the thoughts that went into the music for Wonder Woman in the Wonder Woman movie and its inception back in BvS Batman v. Superman

The first time we heard it. Didn't expect the music to come from a chello....

Malaysian Election 2017?

Happy 2017 peeps!!!

Here we go again... we Malaysians may be closing in for the 14th General Election this year and things doesn't look like it's gonna change. Last I blogged about this was few months before GE13... Do read it here.

Daniel's thoughts on the para above and my old post:
Well, if things are really gonna change although we're hopeful for it... we should try to complain/whine less about it and take advantage of it. Let's look at one of the many isolated incident. Given that I invest/speculate in shares.... Did you know Tenaga Nasional went up to RM 12 from RM 7 during election year? BN "promised" on no tariff hike, but after winning.... Tenaga went on to increase tariff in December that year.... RM7-RM12.... that's almost 100%, in just the span of April-December 2013. I think there were many who almost doubled their portfolio that year. Tenaga is just one of the many government related share that bull-ed quite well after the election, I'm just picking on Tenaga...coz hey...everyone knows Tenaga right?




Moving on...


Malaysia has been "almost" 50:50 in its government since the political tsunami back in 2009... Where they blamed it all on the Chinese....this la that la.... Well Since then, Selangor and Penang are states that only BN can think of at night, like a teenage boy fapping to the girl of his dreams. Both coalition has it's pros and cons over the years. I think PR has it's fair share of stupidity and that BN has its glimmer of hope every once in a awhile.

Here are things I agree on over the years:
BN: Goods & Services Tax (GST) or Cukai Barangan & Perkhidmatan (CBP). Starting at 6% was a killer though but I believe this is a progressive tax, I just don't like how the government is not transparent on how they spend the GST collection. RM 50 billion collected, but government still goyah no money.... you know I know la. But we need this tax as we are taxing tourist,expats and immigrants who are spending.... that's good revenue for the government, can't deny that. People should see how expats are spending here....damn. And the Opposition has to stop on this GST abolishment crap fight, FUCK, instead of fighting for abolishment of GST, why not pitch on how you'd use the funds better if and when you're in power, or perhaps lowering the percentage point or something.

BN: Subsidy removal for sugar, cooking oil, flour, petrol. Removal of subsidy is good to let free market kick in. But sadly our free market in Malaysia are mostly "orang miskin"...therefore government have to go regulate prices for traders. I think that's a fucking dick move, Government jimat on subsidy payout but don't allow trader to increase price.... Traders are being BUTTFUCKED big time by the government. And speaking of the float in petrol price, till not there's no clear and transparent mechanism of the tax being applied before the final pump price we see every month. I'd vote BN if they're transparent and clean about GST Collection and petrol price mechanism. And the sugar subsidy removal... You know what, wanna do something, just do it... don't give some fucking lame excuse saying....ooooo for the benefit of the rakyat coz we're not healthy... HEY, Government raised ciggy price almost 2x now.... people still smoke what...what cock you talking?

BN: BR1M... well many think it is a bribe to the rakyat... it really isn't, well that's my unpopular opinion. If it is, it is a bad one coz non BN voters are getting it and still voting the other side. It is "redistribution of wealth" tool, where only certain quarters within a certain income bracket gets it. I't still not perfect as the redistribution is low and the middle class being stranded because they're not entitled. Example: instead of petrol subsidy which EVERYONE enjoys (rich,super-rich,expats,immigrants)... now at the very least the poorer are compensated and non-deserving quarters don't get the "subsidy" But the fact that BN has fucked up the economy for everyone, the amount that is distributed via BR1M is a mockery to its people. Political instability has rendered the currency useless and that prices for lots of stuff has increased. Thanks Najib. THANKS ALOT

PR: Many don't know that actually Selangor and Penang has lots of perks/rebates for its citizen... One just have to go find out about it via your nearest ADUN. Like Selangor, there's a small sum of money that the State Government gives if a family member passes away, to help with the cost. There's even scholarship programs and much more.... Oh well.... coz Pakatan holding the two richest state in the country... Mentally rich to put BN on their toes

PR: I like that I see handicap parkings being allocated around Selangor... free buses for the rakyat. It's good to see money is being used for the rakyat... Something concrete that you can see everyday.

Here are things I don't agree on over the years:

BN: Barbaric, racist, stupid statements from the cabinet... Like WTF are you guys made of?

BN: 1MDB....dah kena tipu semua orang Malaysia.

BN: Ministers talking shyt about balik kampung, tanam sayur sendiri, work 2-3 jobs. It shows the level of competency of the people that "we" have "put" in office... down right sad to the bone

BN: Shyt promises on not increasing electric tariff and to reduce toll rates.... janji kotek la... janji janji. FUCK now GST collect so much, don't have to rely on Petronas d kan? don't rely on toll collection also la. Naik GST 1% and abolish toll pun I think it's viable. But hey.... duit mana boleh cukup kan?

BN & PR: Redneck barbaric hooligan blind supporters of both parties who cannot brain what a middle ground is or being the devil's advocate... To them... it's either 0 or 1..... with me or against me. It shows how immature the people are, we can always agree to disagree and admit there are some things that the opposing side is doing right. You so hot support the party for what, dapat duit ka? (maybe kut...or dapat project...or t-shirt free)... Don't support the politicians, support the idea that stands right. People come and go.

PR: Picking the wrong fights with BN to prove their incompetence....jeez, is the agenda the rakyat or just freeing Anwar... and speaking of Anwar, fuck, I never liked that we tried to stick his feet into Selangor via the "Kajang Move". I think that the opposition has to be more visual in their campaigning towards the rakyat. Don't just print posters or talk about it, don't be lazy, get a marker and explain stuffs on the white board as many people are the visual type. Address the very basic of BN's shyt...especially the recent comment made by Irwan Serigar on petrol pump price and his inability to do dollar to dollar comparison.... man Serigar was talking shyt

PR: The Selangor MB power struggle... like what's up with that. This only show that all politicians are the same, fighting or their own gain instead for the rakyat. Changing MBI to DEIG, Anwar in the mix, Azmin out for blood for the top post.

Mahathir: Well he should just rest... Personally I don't think he's doing much good holding hands with Pakatan Harapan, as he had his fair share of controversy back in his days.




I may have lots more on my mind... but I guess this will do for now =P
I'll end with this.

Pokemon Go Malaysia 3rd Migration - Melaka

Well,

A while since I blogged.

Just wanna share what's there in Melaka if you're going there for Pokemon Go.

I was there from 1st October - 3rd October 2016.
Right off my mind of what I caught are.....


This is at Jonker, Dataran Pahlawan, Mahkota Parade, Melaka Raya

Magenemite - about 38 of them
Voltorb - about 38 of them
Electrode - spawned (didn't catch coz wanna evolve one for experience)
Magneton - spawned (didn't catch coz wanna evolve one for experience)
Vulpix - Caught 1
Dratini - Sighted one at The Shore shopping mall (no spawn)
Porygon - Sighted one in between Hatten Square/Mahkota Parade (no spawn, didn't hunt for it)
Shellder - Caught 2, One by the seaside at Dataran 1Malaysia and the floating mosque
Charmander - Caught 2
Bulbasaur - Caught 1
Squirtle - Caught 1
Mankey - Caught 1 at Dataran 1Malaysia
Sandshrew - Caught 1
Rhyhorn - Caught 1
Poliwag - Caught a few
Magikarp - Caught a few
Psyduck - Caught a few
Staryu - Caught a few
Seel - Caught 1
Machop - Caught 1
Spearow - Caught many
Arbok - Spawned at floating mosque
Gloom - Caught 1
Oddish - Jonker


That's about it... but the spawn are mostly great from Jonker to Datarn... Happy hunting!!

Malaysia GST.... RM51 Billion Collection later...

Well, nothing much has changed. The poor aren't getting any better, the middle class is dying a little more by the day.

BR1M has not increased enough to help the poor or the ones who really need financial aid. But it's a sad fact that the BR1M mechanism itself is broken, where there are talks of non-deserving people also getting aid, as well of people who are "dead". But that's all down to the mechanics of the federal government on how they want to play things so they "look" favourable to the rakyat's eyes

http://www.themalaymailonline.com/malaysia/article/pm-calls-gst-countrys-saviour-with-rm51b-collection-ahead-of-budget-2016-re

PM calls it (GST) the country's saviour. Well I think many would agree if we said it saved the government more, from debts...unnecessary debts.

I disagree with the Opposition who's saying that GST is not necessary. It's a progressive tax, as we're also taxing foreigners, tourists and working immigrants. It's revenue to the government for fucks sake. It's what the federal government is doing with the money that we shouldn't be agreeing about...like bailing our national car maker and airline....MAS and PROTON. They should die a slow death, or a fast one...

GST's revenue should be propelling the country forward, helping the needy, re-evaluate welfare of the people (perhaps in Healthcare), infrastructure to places like East Malaysia and much more. Not to tanggung all this 1MDB nonsense.

The rakyat, PRO-BN or not, have to really ask the question, where has the RM51b(and counting) gone to? is there a transparent black & white roadmap for these funds?

It's like a family or a relationship, imagine you earn RM10k (for example) then asyik kata no money la, hutang la....Then when your spouse/partner ask what are you expenditure/expenses like....it's like there's a blackhole(or a void) of a chunk of money uncounted for...(perhaps main ayam ke,judi ke...or whatever la)

BN or opposition...the rakyat wants what's best for Malaysia, who does a better and CLEANER job should take the helm. If BN buat betul, I okay je....whatever that benefit the rakyat la, cause I think if Opposition take over pun sama je corruption, maybe lesser and cleaner at the start but it'll eventually be the same. Why? It's a Malaysian thing...


Kalau I tak makan, orang lain makan....baik I makan dulu




~suara seorang penumpang

Apple iPhone 6s & iPhone 6s Plus Price Malaysia (Logically Speaking) & Malaysia Launch Date

Well looking at how shyty the Malaysian currency is now against anything.... We're down the fucking dumps for a country who has resources such as petroleum and land.

Reality Check... for the 191,340,135th time!!!

1 USD is to +- MYR 4.40 (That's the price of Msian being so Anti-America)
1 SGD  is to +- MYR 3.10 (These people barely have any resources)
1 PGK  is to +- MYR 1.50 (Papua New Guinea is more backwards than us!)
100 THB  is to +- MYR 12.20 (fuck cannot go for massage anymore!)



Anyways..... back to iPhone 6s pricing in Malaysia. What's it gonna be? LowYat has come up with some elaborate table and jibber jabber here.


Anyhow... Let's make it more simple to believe....(click to enlarge). Comparison is used between the US Apple Website and the Malaysia Apple Website after the price adjustment to the iPhone6 & 6plus.

16GB iPhone 6s – RM3,199

64GB iPhone 6s – RM3,699

128GB iPhone 6s – RM4,199

16GB iPhone 6s Plus – RM3,699

64GB iPhone 6s Plus – RM4,199

128GB iPhone 6s Plus – RM4,699




As for launch date.... LowYat.Net has already spotted SIRIM entries for the phone.... well.. by the looks of it... Perhaps November 1 again just like the 5s or probably early December. Looking at how the market is going, Apple has once again smashed their opening sales record for the iPhone... 13 million this time around as opposed to about 10million last year

UPDATE: Launch day is set for October 16th, 2015 (Friday) for Malaysia

What is it like to be a Malaysian (2015)

What is it like to be a Malaysian?


1) Breathe haze
2) Good Food
3) Kena Bully by Government
4) Kena Con by Government
5) Kena charge GST by Government
6) Kena Tariff hike from Tenaga
7) Kena Racial Abuse from certain quarters
8) Double Park
9) Triple Park
10) I Park where I like Park
11) Knowing there are still people backing and supporting a cancer which is killing the country
12) Government tell lies to you everyday
13) Government racially abuses you
14) Government create laws like magicians pulling rabbits out of hats
15) Voting doesn't even really matters
16) Not understanding Separation of Powers
16) Not understanding Check and Balance
17) Donation and Bribery is about the same
18) Reporting facts gets you banned
19) Every report against the Government is inCredible
20) One source which is Pro Government = The Gospel Truth
21) Bargaining
22) Complaining
23) Corrupt
24) Racist
25) Dealing with Pariah people on a daily basis
26) Every other person loves to drink KOPI
27) Internet is expensive and shitty
28) Mobile Internet is expensive and shitty
29) The currency is lower than backwards country such as Papua New Guinea (1PGK = RM 1.30+-)
30) Boycotting is a noble act
31) Knowing that a immigrant has voting rights
32) Overpaid stuffs (Starbucks... RM 18 for a Venti?!?!?!)
33) Ridiculous taxes on cars
34) Ridiculous quality on local cars
35) constantly wonder where all the profits of Petronas goes to?
36) Current/Next generation can't afford a house
37) RM 1.20++ for a Roti Canai
38) Paying Service Charge also being served like crap
39) Being told that saving from young makes you able to buy expensive jewelry
40) Buying Nasi Lemak from stalls which are located in front of a drain
41) Every economical problem are caused by the Chinese
42) Taxi man are gangsters and hustlers
43) Knowing that we are always behind Singapore
44) The number 2.6 and 700 are the most popular numbers
45) Occasionally being chased out of the country by Government for complaining
46) Wearing a yellow shirt might get you caught
47) Being brainwashed at a young age via public education
48) Anything which doesn't have tax revenue for the Government is illegal
49) Knowing where the Good Spa areas are
50) Throwing newborns is still a thing, even decapitating them
51) Incest is also popular among certain quarters (still?!?!)
52) Every other day the cops bust some drug operation
53) Knowing that there's one month in a year that God walk among men
54) Newspaper and local news reports are altered to anger you more
55) Opposition = Pot calling Kettle Black
56) Police backs Government =.=
57) Cronyism
58) Petrol price is "cheaperer" now.


Proud to be Malaysian?
Hate the Government but love the Country?


I have nothing to be proud of to be a Malaysian....except the food.

~suara seorang penumpang

Zaman GST melanda Malaysia | It's a new Malaysia

oh...ketepikan lah our ever weakening Ringgit.... But it is.... GST time here in Malaysia..

Those who propagate the abolishment of GST... Well either their ignorant or they know that the government won't use it on them and that they "makan" more.

Me... yea... hell yeah I suffer from it....not from food...but from car service, insurance and the luxury stuffs I want.... yeah.... fucking the mahal now man.... Ridiculous. But I think this is a tax mechanism which is needed for the country to grow... It is indeed a useful tool for a government....a clean one that is.... unlike the current one what we have which is...meh

If you think Fakatan is gonna abolish GST if/when they gain power.... ahhhh that's fucking BS la... utter BS and you're naive person..... RM 22 Billion from GST collection.... 22 fucking Billion... Who know how much that is to help the rakyat??? *assuming they will la..... Abolish and turn down over 22 fucking Billion yearly? PUIK!



Moving over to Traders advertising "absorbing GST" for the consumers.... ala ma hai puki ana meh hai!!!! If my employers are doing that....I need a fucking raise or bonus.... why should traders "absorb" GST?  GST is a consumption tax.... It's tax to all who consume!!!! EVEN the BANGLA, INDON,MYANMAR and all the other other colored people who are here in Malaysia.... THIS IS WHERE WE MAKE MORE MONEY FROM people who are coming here to study or work!!!!! WHY ABSORB FOR THEM TOO??????? how la the country wanna grow like this!!!!! And when they say "absorb"...its BS.... GST registered companies are required to show GST amount collected... Have you seen any Invoice which say...."Wa settle GST untuk lu" on the receipt?... NOOOO LA....there's always a GST AMOUNT there....Prices are lowered...and GST is implied....hence why some items, the price stays the same. Malaysian people forever the bodoh laaaaaaa simi fuck la citizens like this. This kinda advertising should be illegal as opposed to the time where there were saying PRE-GST price.... Item sold before 31st March is considered PRE-GST Price is it not?.... fucking gov say its illegal..... bagus la

oh and what's up with Tun M telling Najib to abolish GST????  why? cos that old man wants attention....he lonely, even the hooded man with the scythe tak cari him that's why. Eh..... Najib and Tun M is ruling in different timeline.....Don't apply Tun M's template entirely on Najib's.... It's not fair to gauge Najib's performance based on Tun M..... Fuck... I don't see Tun M giving out BR1M...See.....it's apples and oranges.... Tun M should just go back into his cave and chill. "abolish GST" konon.....Populist


~suara seorang penumpang

Malaysians Malaysia Malay Lay ay a?

Apa Nak Jadi Malaysia?...


So reliant on Petroleum?.... Mati
So reliant on PalmOil?... Mati

Currency weakening coz of above two reasons... Mati

1MDB Cannot answer properly, causes worries in FDI...foreign investment pulls out... Mati


Najib.... still there... still No.1... I wonder how he sleeps at night... I need his secret. I do bad stuffs a fraction of his magnitude and I still find it hard to sleep at night sometimes.


How and why are there people....blind and non blind, stupid and non stupid, Malay and non Malay....can support a ruling government like this? NO.. I'm not saying that Fakatan Rakyat is the answer(coz they got lots of shyt too) but why are there still supporters of the ruling government? Those with kepentingan I get it la but those hooligans low life type.....oh tak faham la.

MYR Currency strength jatuh.... Harder for us Malaysians to enjoy the world, to holiday or to send kids overseas to study


1 USD = MYR 3.60++ from MYR 2.90 few months back
1SGD = MYR 2.70+- from MYR 2.20 many years back
1GBP = MYR 5.50++ from MYR 5 few months back

eh malu la... MALU!!!!! where to put face... What is Zeti Aziz doing?

The ruling government can easily get my vote... just answer one thing

How is it a small island with hardly any resources have a currency which is close to triple of ours? If there can fix that back to 1:1.... FOREVER la I'll vote them

The way the government answers about 1MDB is like me telling my teacher that my pet ate my homework =.=

iPhone 6 & 6 Plus Malaysia (Pre-Post-GST)

So...It's been 4 months since the iPhone 6 and 6 Plus was launched in Malaysia.

Given the recent CPO price crash and the strengthening of the USD... The price of the phones has increased O.o . I wonder what GST would do to the price after this?... given SST will be removed and be replaced with GST

Anyways the initial price of the iPhones were

PRE GST to POST Currency LOST

iPhone 6

16GB     RM 2,349   ---   RM 2,549

64GB     RM 2,749   ---   RM 2,949

128GB   RM 3,149   ---   RM 3,349

iPhone 6 Plus

16GB     RM 2,749   ---   RM 2,949

64GB     RM 3,149   ---   RM 3,349

128GB   RM 3,549   ---   RM 3,749

POST GST

iPhone 6

16GB     RM 2,549 ---  RM 2,702 (RM 153 GST)

64GB     RM 2,949 --- RM 3,126 (RM 177 GST)

128GB   RM 3,349 --- RM 3,550 (RM 201 GST)

iPhone 6 Plus

16GB     RM 2,949 --- RM 3,126 (RM 177 GST)

64GB     RM 3,349 --- RM 3,550 (RM 201 GST)

128GB   RM 3,749 --- RM 3,974 (RM 225 GST)

iPhone price on Apple Online Store (Updated)

U Mobile is the recent Telco getting the iPhone 6.

Notice the selling price which is lower than Apple Online store.***

The subsidised price is the one in ORANGE when you sign a plan 

***The microcredit plan has an interest rate based on your income, from 0.87% to 1.5%

Payment period can be from 12, 24 or 30 months... Longer you take... more you pay.

Interest may go up close to (RM 1,000 comparing from the Umobile Microcredit selling price, bout RM 600 if compared with Apple Online Store's RRP) over a 30months period at 1.5%

Trade in Price for a 4s for only RM 160? Fuck you long long la UMobile... LOL

It's almost 2015

Dear blog,

As usual... It's been awhile. Life has been steady, life has been lonely, life has been okay. Financials seems smooth as I'm not feeling any pinch yet. Investment is not doing so well. Life at home is like sailing through the sea, it's calm at times.... and rocky at times too. Dad has a shorter fuse louder tantrum, mom has become more forgetful and more careless in her spending, sister is going through weird shyt phase that it is so irritating to bear. Work life, it's been like that.... there....happy times, slow times....my alopecia has healed, Thank God for that of course. I feel stuck at times, maybe I'm just benchmarking myself wrong. How I see myself, fat, not rich, an ass....holy shyt fuck there's no balance there to make me feel like an attractive candidate to be a bf at times. I keep telling ppl I'm not in the market... who I kidding?... how to main when I'm not even projecting a look that I give a shyt. Well at least I've not succumb to Spas like some of my friends do. I think all this feeling will definitely go away when my investments are doing well. Still aiming for that 100k within the next two years. C'mon!!!!! I actually feel better typing this shyt out here...it's definitely way better than sharing your shyt with people. Like they don't have enough on their own plate.

Anyways... till next time..... 2015 Daniel.... hope investments are sexy by then when you check back here again :) Chin up BITCH!