Check Your Credit Report for Free

You can sign up and check your credit report at this link here >> https://www.mycreditinfo.com.my/ which is free for first 2 years for basic report which is where the banks will use to see if your bank loan and credit card approval is successful or not. For the more comprehensive report, it shows your credit card payment habits and it will automatically state whether it is strong or weak for loan approval and payments. For the comprehensive report, you have to pay RM 10 and RM 5 for the less detailed report. The payment merchant is iPay88 where you can choose to pay by online banking or via your credit card with OTP sent to your registered handphone for confirmation. You can do an online search on Google for RAMCI and i-Score to give you the link above which I found.

Penang Ushers in Christmas Magic in 2016

Christmas is celebrated every 25th of December to welcome the birth of baby Jesus Christ. Christians believe that Jesus came to save the world from sin and eternal damnation in hell. His resurrection power on the cross defeated the power of Satan once and for all; giving mankind hope and eternity in heaven. We are reconciled with Our Heavenly Father through Jesus' finished work on the cross - his death and resurrection to heaven.

Christmas is also a time for merry-making and you will notice lots of sales as it has become commercialized. During this season's greetings, much festivity and celebration goes around the world. Here in Penang, we also usher in Christmas in 2016 that is drawing to a close at the end of the year. The above picture was taken at the upscale Quayside Condominium's management office where a relative owns a unit of over 3,000 sq ft. It is left vacant and she stays in Singapore.

The above is Whatsapp photo of my second sister's father-in-law's hobby of collecting gnomes in Southampton, United Kingdom. The red hats resemble those of Santa Claus, except that they are not Santa and don't give you presents! Google defines a gnome as a legendary dwarfish creature supposed to guard the earth's treasures underground.

Here is my snapshot of suspended Santa Claus made from small round balloons and glued together at M Mall in Penang Times Square. M Mall is an upcoming mall that started early this year and has attracted lots of tourists from China by the bus loads to come here shopping and redeem their M Points for items from shops or for dining. They also sell high-end women's genuine handbags like Prada, Gucci, and many other costly brands.

The colours of Christmas are mainly red and green. Here, I took the opportunity to add this little floor decoration at M Mall with such colours of Christmas plus purple orchids. The red flowers are known in several names - 'valentine's flower', 'mother-in-law's tongue' and 'naughty boys'.

This photo was also taken at Penang Times Square Phase 1 which is linked to M Mall in Phase 2. I am seated in a gondola on 'water' like those in Venice where I visited in 2013 in Europe together with my sisters. Notice the many potted poinsettias of red petals like leaves decorating the border of the balcony on the floor. The potted poinsettias flowers are beautiful in bold red. These flowers are commonly used as decorations during Christmas around the world as they associate with the Christmas feel and colours.

Gurney Plaza in Penang adopted a glamorous black and gold theme for its Christmas decorations this year where the photo above was taken. The mall unveiled a 10m tall steel structure Christmas tree at its main atrium and adorned it with bulbs and ornaments. It placed many gift boxes beneath the tree. The main tree was surrounded by smaller trees and sparkling decor with large baubles. There was also a performance by a carolling group.

I took this selfie with one of the smaller Christmas trees in Gurney Plaza that is adorned with lots of gold baubles including gold poinsettias and white lace draping from a star at the top of the tree right to the bottom where the presents are placed.

This was taken at Daiman in Subang Jaya. The large egg signifies creation like Christmas and is painted in pink and purple orchids. They certainly attract my attention for photo-taking for posterity.

This was taken in Sunway Pyramid Hotel's lobby. The Christmas tree is certainly adorned with colourful sparkling baubles and ribbons of red and green. It is another selfie of mine while my partner was waiting in the queue to check into the hotel recently.

This is a miniature version of the larger Christmas tree placed atop a table in Giant hypermarket, along Burmah Road, Penang. Here, you get to see a full picture of the Christmas tree where shopping increases by year end as employees get their fat bonuses to buy things for their loves ones and friends. This is the spirit of Christmas - to give and to receive and it is more Blessed to give than to receive. Wishing you a Merry Christmas and Season's Greetings this 2016.

Merry Christmas 2016!

Christmas is drawing near and now it is the month of December - the time where you get your bonus and school holidays are here and you get more time to spend with your kids. Everywhere I go, it seems to be crowded and packed with cars. I would like to wish all my readers here a Very Merry Christmas in 2016 that is drawing to a close. It is time for season's greetings and merry-making. It is also a time to give and to receive. Let us celebrate Jesus' birth on 25th December who came as a Saviour to mankind and defeated the evil one, once and for all. The resurrection power on the cross gave us eternity in heaven when we are called to be with our Maker.

Christmas is Just Around the Corner

It's that time of the year again where people go shopping, travel, take a short break with their families and just enjoy Christmas. I plan to travel but haven't decided yet within Malaysia. It is the time you get your bonuses to save up for retirement or just splurge a bit to pamper yourself like getting a new bag, go for that spa or facial massage, etc. At this time also, I normally get a Christmas gift from my youngest sister like a bottle of perfume or something. She is thoughtful and will spend buying and wrapping up Christmas gifts for her family and church friends. I don't follow this tradition but rather spend the time with my partner perhaps in Genting Highlands or go for a cruise to the high seas.

Marriage is a WorkShop

Marriage is certainly a WorkShop where the men Work and the women Shop. This is meant to be a joke, but it certainly rings a bell. Uneducated married women who don't work or cannot hold a job outside tend to spend away their husband's hard earned money by shopping and buying branded stuffs if they can afford it. The poor husbands work their butts away while the women go shopping to buy things for themselves like a 'tai-tai' or some even go travelling round the world to visit their kids on the other side of the globe. If I were to shop, usually I will spend my own earned money from working by the computer at home. I don't envy others who don't work yet get high allowances monthly, but am thankful that I am able to put food on the table for my family.

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Down with Flu

I have finished the entire course of anti-biotics but my flu still remains the same. I had seen the Singapore 24-hour clinic once before on my flu with 4 types of medicine costing the company RM 66 total. I don't have to take medical leave since I work in a home office. My business partner is my boss who handles all the logistics, planning, replacing materials, paying workers their daily wages, expenses, etc. My work is just using the computer doing work like emailing, preparing quotations, calendars, product brochures, scanning, etc. Maintaining several blogs is no easy feat, especially when you have a full time job in a home office.

Join Adsense Alternative - Uber CPM

There is a new publishing company like Google Adsense and is a good alternative with many adverts on its banners placed at your sites. To join this network, click on http://ubercpm.com/index.php?rp=5377 where you can join immediately but never click on your own ads. It is good to leverage on your various blogs via this network should you be banned permanently from Adsense. I don't know how good the conversion rates are but you can withdraw via Paypal when you hit USD 10, unlike USD 100 for Adsense. Though it is lower income, but nevertheless, something is better than nothing at all, don't you agree? Don't be greedy and don't cheat. Honesty is the best policy!

Michelin Star Award Din Tai Fung

In 1993, Din Tai Fung was awarded top 10 restaurants of the world by New York Times. In 2011, it was twice awarded 1 Michelin Star which is a global recognition of its of fine dining quality and restaurants. Of course, the funny part of all this is that this prestigious restaurant rating is from a tire company; the same Michelin that sells tires also gives out restaurant ratings! Celebrity chef Gordon Ramsay explained that losing the stars was like "losing a girlfriend."

In 2012, it was three times awarded the 1 Michelin star and in 2013, four times awarded the 1 Michelin star. It was also ranked number 1 in "101 Best Restaurants in Asia" by the Daily Meal. In 2013 the same year, it was ranked top two franchise for travelers by CNN. In 2014, it was 5 times awarded 1 Michelin star and KL Top Chinese Restaurant by Trip Advisor.

Above is a snap shot taken in Gurney Plaza, Penang on the basement floor showing the fine white porcelain and cutleries used to serve diners. One will also get julianned ginger for extra zing. On the right is the menu in Red for as a colour for prosperity. Most Chinese love Red, don't they?

This is apple juice for about RM 10 and Pu-Er tea for RM 16 per pot! There were many pu-er tea leaves inside which makes the tea concentrated and you have ask for free hot water to replenish the teapot. There's also appetiser in black strips of vegetables with glass noodles in the center.

This is the set of RM 55 per person consisting of 'siew loong pau' or small dragon pau with rich concentrated soup inside the bun skins and steamed in bamboo receptacle. There is also fried rice with lots of de-gutted prawns and egg. For veges, it was garlic pea sprouts that looks yummy. There's also double-boiled chicken soup, though it was too oily and I had to scoop the oil out, even though the soup tasted just as good. As for dessert, you have 5 choices, one of them was the black sesame ball in red bean gravy.

You can also order imported juicy Songshan pineapple filling baked to perfection in a golden buttery crust, air-flown from Taiwan on the 19th August with 5% discount for the early birds. For 6 pieces, it cost RM 49.80 and for 10 pieces, it was RM 69.80. There are no preservatives; hence you have to consume it within 1 week upon arrival.

If you would like to try Din Tai Fung Gurney Plaza, the address is as below:

Address: Gurney Dr, Georgetown, 10250 George Town, Penang
Opening Hours: 11 AM – 9:30 PM

Spent 3 hours at Starbucks

This afternoon, after visiting a client's place, my colleague and I chilled out at Starbucks in Taipan, USJ1 of Subang Jaya for 3 whole hours reading newspapers and magazines on entrepreneurship, etc. I ordered iced green tea latte and really enjoyed myself immersed in reading so many insightful ideas on business and news while sipping my drink. I was given a Starbucks card where every 10 drinks ordered, you get a free drink - something like a loyalty card. It looks smashing with silver colourful patterns. It is almost 20 minutes to midnight and I took the liberty to update this blog before sleep and to get ready for a project interview tomorrow in the evening. Just hope that my manager can impress the interviewers with his knowledge and determination to clinch the job.

The Secret Garden and The Rain Forests

At the lower ground floor of 1 Utama Megamall in Petaling Jaya, Selangor is a hidden gem known as The Secret Garden. To access this place, you need to look out for Secret Recipe Restaurant and the elevators are located just diagonally opposite. When inside the elevators, you can see that The Secret Garden is located on the UR floor which probably stands for 'Upper Roof'.

Above is my snapshot of the place near The Secret Garden where you can take free shots. It is only opened on weekends and public holidays from 10am to 10pm.

Just beside the free photography area, is this place with decorations of roses and pictures hung up, where I also took the liberty to snap another photo for posterity.

When you enter, you need to write your name for visitors and the time entered and an optional column for telephone numbers if necessary. This is the view that greets you when you step in. There is a palm tree with lots of planted plants that are carefully tended, trimmed and watered to as opposed those that grow wild along the riverbanks.

As you walk further up, you will see this large plants resembling banana trees with its large fronds, except that they are of another species.

You will also find colourful crotons greet you with its many varieties of hues like red, orange, purple, green, yellow, etc. My parents used to plant many crotons in our garden of the landed property. They are identified from the many colourful leaves of a plethora of varieties like those with pear-shaped leaves, twisted leaves and the like.

Halfway of the The Secret Garden is this hanging plant from the ceiling called 'Stringy Cissus' which are carefully cut to shape and allows the visitors to walk through at just the correct height. It gives a feel of romanticism as one walks under it that stretches for a few metres.

As you exit the Secret Garden, you will find the same elevator that brought you up and this is the graphic decoration of the lift. There is a facebook page to sign up for the Secret Garden.

As we exit the Secret Garden, and walk on the right side, we saw signs leading to The Rain Forests and followed the guide sign. This is the entrance to the Rain Forests which was near open dining concept restaurants. There were ponds and huge trees.

The architect must have designed The Secret Garden and The Rain Forests together to blend in the two at different spots for unique attractions only at 1 Utama Megamall.

One can also find koi fishes or Japanese carp hiding under a plant in the koi pond of The Rain Forests. At least you can experience the natural ecosystem within a shopping mall.

There are also waterfalls of 2 to 3 storeys height showing The Rain Forests at different levels with koi ponds at the bottom most floor. This wraps up our visit to 1 Utama for natural mother nature being grown here.

My Experience Staying at Vouk Hotel Suites

Above is a photo taken outside the exterior of Vouk Hotel Suites, an establishment owned by MBI, the owner of the now famous M Mall at Penang Times Square. During the Hari Raya Holidays from 6th to 7th July which happened to be my birthday on the first day of Raya, my partner and I stayed at this newly opened hotel located at the junction of Jalan Sultan Ahmad Shah in Penang.

Being a new hotel suite, we parked outside in the compound of the hotel as there were a few parking bays. Potted plants were placed on the outside to spruce up the look and feel of the hotel.

Inside the lobby, there were intricately designed lotus flowers lights coming from the ceiling and also the floor with matching designs. They give a feel of luxuriousness to the interior of the hotel suites, which is the signature design of MBI - added with a touch of posh.

Inside the room of the topmost floor which is 10th floor, we went into the room using the card key and slot in the card to the holder to turn on the electricity and air-con. This is the queen size bed beckoning us to take a nap soon. The room is not too big and just right for 2 persons. It has an adjoining room separated by a locked door. However, voices and sounds from the next room was rather loud for a hotel such as this. Apparently, there is not enough sound proof added to the walls or ceiling.

Unlike most hotels where you have to pay for food inside the fridge, here it was complimentary at Vouk Hotel Suites. The cup noodles, tea sachets, bottled mineral water, mixed nuts, 2 cans of drinks and chocolate wafer were on the house - all for the taking home or dining there. One caveat though, after I had bathed and then it was my partner's turn to bath, the floor started to flood with an inch thick of water - apparently the water could not flow out smoothly in the water pipe. Other than this inconvenience, I think, it was rather worth it at RM 201 net inclusive of GST and other charges to stay here.

JOB - Just Over Broke

For many a JOB stands for 'Just Over Broke' and employees live from pay cheque to pay cheque. At the end of the month, the money is in bank account is almost finished and nil. How do I know this? Because I was also guilty of living beyond my expenses and have to work from hand to mouth. This happened during my days in Singapore where people power dressed with branded goods from top to bottom. They certainly dress well and look good but the wallet is usually empty or bank account with low reserve that could last just a couple of days of meals.

Working for others is just like eating 'bitter gourd' and you have to labour hard for your keeps. Since the fall of Adam, the first man, mankind has to labour hard and strive hard to put food on the table for their families. This can cause stress and undue pressure. And prolonged stress has been known to cause diseases. Which is why it is better to work for yourself, being your own boss or entrepreneur.

Visit to Entopia, upgraded Penang Butterfly Farm

This is the exterior of the upgraded Penang Butterfly Farm in Teluk Bahang that was recently built. It is a huge building housing many exhibitions, souvenir shop, cinema and a cafe. We were driving round Penang Island and chanced upon this mega building at the corner of the junction and curiosity got the better of us. Hence, we paid RM27 per adult and it is free entrance for the disabled.

This banner is located near the entrance and shows the various displays and building sections so that you won't get lost. It is easy to read and navigate with this banner. Pamphlets are placed on the table for the taking as a guide.

This is a giant frog slide for kids to play with. Inside the exhibit are tiny frogs, tadpoles, butterflies, pupa, fireflies, centipedes and dragonflies.

This is the enclosure and view from inside Entopia. Notice the fake tree and leaves right smack in the center. There are guided walkways and stairs to take you through from one exhibit to the next.

The butterflies on the right are the real ones and are poisonous or bitter in taste. Predators which have previously eaten the real poisonous butterflies will remember the nautious effects and will avoid such species in future. On the left specimens are the fakes mimicking the real ones and act like the real ones too. They are non poisonous but the pattern on the wings are almost similar to the ones on the right.

This banner shows the directions as you take the escalator up to the cinema showing a movie related to insects and butterflies.

This is a hand simulator game with a detector to get the coordinates of your hand movements and display them on the screen to protect the butterflies that appear on screen and get rid of predators. There are Levels 1 and 2 for various challenges.

This pink and white paper cuts resemble butterfly shape and are pieced together into a creation from floor to ceiling. It is quite near the exit where there is a souvenir shop. For more information, check out the address and contact number below:

Entopia
Address: No 830, Jalan Teluk Bahang, 11050 Penang, Malaysia
Tel No: +60 4 8888 111
Website: http://entopia.com/

Going to Penang Hill

I shall be going to Penang Hill soon. Well, the government had upgraded the tram and constructed an owl museum with more refurbishments to the hotel there and added some attractions. As uok, I get to enter for free as a member and the visit is long overdue. I hope to catch some fresh air with negative ions from the forests that refreshes the soul and body. It also energises the mind so that I can continue to work on Monday again sitting in front of the computer for a long time. Electronic gadgets emit positive ions that make the body lethargic and tired. That is why I don't use Kindly to read e-Books. I would rather go for newspapers daily or weekly magazines and some self-help books or finance management books. Romance novels is a no-no for me, and so it horror and thrillers.