Have you ever dreamed of being able to travel the world? If yes, are you still dreaming or have you made it come true? Regardless, I’m sure we can all agree on one thing: Being able to travel comfortably usually requires you to make an “investment”, be it your time and effort in saving money for the trip, or actually investing your money, where you can then use the returns or dividends to finance your trip.
Some of the most common ways to achieve your long term financial goals include savings & fixed deposits, investing in property (a second home, perhaps?), and of course, unit trust funds & investing in the stock market.
However, fixed deposits tend to yield average returns, and while buying a second home is a simple enough investment option, the 2016 property market is expected to be a bit subdued, so your rental returns may not be enough to offset your monthly mortgage, leaving you in more debt.
And then there are stocks, unit trusts, bonds, derivatives, and other investment products. Well, they can get complicated, no?
Enter InvestSmart, an investor empowerment initiative by Securities Comission Malaysia (SC), organising seminars for retail investors (like you and me) so that we, the public can be better educated on investment methods, taking control of our finances and being fully responsible for our own investment decisions and (hopefully) achieving future wealth.
The seminars will cover basic fundamental topics such as how to:
Understand the role of market sentiment, technical analysis and identify the trading risks involved;
Spot the right opportunities for trading or investing;
Conduct fundamental research on listed companies in Bursa Malaysia, and
Distinguish between stock trading and stock investing.
These seminars are held NATIONWIDE every SATURDAY and will equip investors with the necessary skills, knowledge, and tools needed to exercise good judgement and discretion in making sound investment decisions, very important not only to new and aspiring investors, but perhaps even the seasoned veterans as well. Guess what, you can even keep up with InvestSmart via Facebook! Find out where the next seminar is happening, or when InvestSmart’s Mobile Kiosk will be coming to a location near you at https://www.facebook.com/InvestSmartSC. Interestingly, InvestSmart has also roped in local celebrities Neelofa, Aaron Aziz, Scha Alyahya, Awal Ashaari, Shaheizy Sam and Elfira Loy to promote simple and witty investment messages on Instagram, so be sure to follow them!
When I first starting having a website on the internet some years back, I was in my early twenties. I was able to jump from 10 feet high without batting an eyelid, eat 2-3 bowls of rice on a good dinner, and of course, the topic of hair loss never once cross my mind.
Abbott CG 210 for men & women
Fast forward more than a dozen years later, while it looks like I did not draw the short end of the genetic stick that leads to male pattern baldness, I do notice that it is quite obvious that I don’t have the same thickness of hair as before (something that was also commented by my long time hair stylist).
So maybe it is time to take some active measures to do something about this.
Abbott CG 210 is supplied with a cannula for easier application
Enter CG 210 Hair & Scalp Essence – a product by Abbott Laboratories that can help manage hair loss by reducing excessive shedding and to promote healthy hair growth.
The product provides the four following clinically proven results:
Reduces hair shedding
Increases hair thickness
Improves healthy hair
Promotes new healthy hair
Which sounds pretty good, so I’m giving it a try.
giving the spray on essence a try for hair loss management
The application is actually fairly easy. Basically you want to have the essence on your scalp, instead of on your hair. To make life easier, CG210 comes with a cannula to make this job rather stress free. Spray a little, massage it on, move on to the next “coverage area”, repeat.
The essence is made from natural botanical formulation, and as I apply it to my scalp, it was quite a neutral feeling. There’s no irritation, not oily, not sticky, nor does it have any strong smell to it, though it does have some light fragrances (different for men & women).
instructions are simple to follow
Hair management is not an overnight or a one time application type of deal, most users observe positive results in less shedding after 28 days, and many felt that their hair were in good health after 56 days of us (according to studies). So this is something that I’ll continue to use. The 3 bottles should last me 3 months, and pictures from 3 months later should show me how effective Abbott CG210 is to my flock.
You can get the product in selected private hospitals, clinics and all leading pharmacies. If you need further information, please call Abbott Lifeplus careline 1-800-88-0709 or visit the website at www.cg210.com.my
Disclaimer: Compensation was received from Abbott for the writing of this article, Abbott believes that consumers & bloggers are free to form their own opinion & share the words.
One of the perks of moving to our new places in Shah Alam is that being a corner unit,we have a bit of land for gardening, and since some of you have commented in my previous cooking posts wanting to take a peek at the garden, here it is!
our current garden, with only a strip of planting bed
The area that we currently set up for planting is basically a strip of land about 30 feet or so along the fence. We’ve set up a makeshift PVC roof of sort with certain part covered in clear plastic sheet for weather protection. The roof is also reinforced with wire mesh, which conveniently served as trellis for our long bean plant.
At the car porch, we also have an outdoor IKEA glass house that serves as a nursery for seedlings to protect them from the elements.
tiny capsicum, fig tree, white pepper, parsley & oregano
In these photos you may have noticed that there are some black pipes around the plants, this is the soaker pipes we set up for irrigation. Our irrigation timer (bought from mudah for RM 100) is set up to water the plants automagically twice everyday, which makes life easier when we aren’t home to keep the plants hydrated. Skipping watering a couple days can easily kill some of them.
long bean, way too much fruit from one plant
For the planting plot, we actually had it dug out about a foot deep and amended it by adding a couple layers of organic chicken shit and compost. This was to make the plot more fertile and to looser, our original soil was hard and with too many stones in them.
When planting, you do need to know the requirements for each of them, as they can be quite different. Some plants want to be in the shades, others like full sun light, and some wants to be soaked in water, but there are also those that likes the soil well drained.
kale, bayam, lettuce
For herbs we have the following:
lychee (doubt this will actually fruit)
pegaga, basil, lemongrass, chili & flower plant seedlings
This garden should look very different in a few month’s time, as we are about ready to delete everything and redo the whole area with proper trellis, irrigation, a hydroponic element, and design that is more pleasing to the eyes. It’s gonna be quite a lot of work but it’s a project we’re looking forward to!
Traveling abroad for a bit of rest & relax is in the list for many of us when it comes to choices in spending our vacation time & money, and when it comes to this, there’s always the concern on currency exchange – Where to a good rate? When to exchange? How much to exchange?
eForex application on Android and iOS devices
For this, many of us has our “favorite” money changers. Some goes to TTDI, others like certain counters in certain malls. Whichever one we head to, there’s always some potential common problems:
long queue and wait time
money exchange counter does not have enough stock of particular currency
having to bring (sometimes too much) cash to do it
today’s exchange rate, favorites, and rate alert features
Well, the good thing is now you can get rid of some of those problems by doing this right on your mobile phone with eForex application (available on Android & iOS devices).
Yes, welcome to 2016!
The eForex application is pretty simple to use. After download and installing it on the device, you can proceed to register an account with the app, this process takes between 5-15 minutes, including an email verification step.
After that you’re good to go. There are over 20 different currencies to choose from, and all with “live” currency rates right on the mobile screen. This surely beats having to run around different money exchange counters checking out their rates. There’s also a function to set your favorite currencies.
Another feature I find particularly helpful is the “rate alerts notifications“, which sends you a notification whenever a particular currency rise/fall under certain threshold you set. Together with “travel reminder“, these is two functions can be quite neat when you’re on a budget and don’t want to get surprises.
pick up locations in Klang Valley
eForex offers pick up points in a number of locations throughout Klang Valley, with the locations easily found under “pick up point selector” – Rawang, KL, Shah Alam, Puchong, and even Banting all has outlets to get your currency.
Other than saving time and hassle, the most important benefit to me is the availability of online payment (via FPX and MEPS). This eliminate a trip to the ATM or bank entirely, not to mention more secure as well.
book & collect, travel reminder
So for your next travel & foreign currency needs, give this application a try.