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.
If there’s a Japanese food I have to choose to go with cold beer, there’ll be no doubt in my mind that it has to be yakitori, so when I got the invitation to review the offering at Torii at TTDI thanks to Kirin Ichiban, I was obviously more than happy to oblige.
After all, a premium Japanese beer with one of the higher end yakitori restaurants, you’d be foolish to not do it.
Kirin Ichiban promotion at Torii, TTDI
The reason we were here was to try the pairing of Kirin Ichiban with the dishes. Kirin is made with 100% malt, and brewed with an innovative “First Press” method by extracting the malt liquid from only the first press. Perhaps a little bit like “extra virgin olive oil” (I may be a bit off here), this is what contributes to the smoothness and premium taste.
At Torii, there’s also a promotion going on every Wednesday and Thursday night, with a glass of Kirin going for only RM 10.
veal chunk, squid tentacles, and crispy cheese beef yakitori
The restaurant is located at the inner, slightly quieter part of TTDI that isn’t plagued with crazy parking problems like some of the busier areas a couple minutes away. It is simple, elegant, and exude a very classy, fine dining feel without having a menu that is, I think, quite accessible to many of us.
Like its name suggests, yakitori is the speciality here at Torii. We tried wings (RM 8.90), squid tentacles (RM 10.90), sweet potato (RM 5.90), upper thigh (RM 6.90), rock lobster (RM 11.90), crispy cheese beef (RM 12.90), and veal chunk (RM 15.90). None of these disappoint, but if I have to pick, upper thigh, rock lobster, and cheese beef would be those you should try.
If you’re having these with beer, the chef will usually make the yakitori just a tad saltier, which really enhances the tasting experience, and Kirin with it’s crisp and refreshing taste provides excellent contrast to the strong tasting yakitori.
If you like something soupy, go for the broiled lobster chowder with crab croutons (RM 18.90) that also prepared with porcini mushroom, shallot, and olive oil. I’d love to have this on rainy days.
triple peaks – uni, amoebi, toro sushi
Perhaps surprisingly, cold beer goes rather well as a stand-in for green tea when paired with sushi. The triple peaks (RM 26.90) is a plate of three premium sushi with uni (sea urchin), amoebi (sweet shrimp), and toro (tuna belly). For under RM 30 this is not only awesome, but also provides very good value for the ingredients provided.
Then there’s Autumn risotto (RM 27.90), a deceptively simple dish with crab claw, egg yolk & asparagus. Beautifully presented and equally satisfying in the taste department. This dish would not disappoint any Italian food connoisseur.
wings, avocado de la mer, sweet potato, green tea creme brulee, nutella gyoza
Other dishes we sampled include the bonded unagi & foie gras (RM 29.90), kampachi uni jalapeno (RM 34.90), and avocado de la mar (RM 19.90). These aren’t exactly yakitori nor are they strictly traditional Japanese dishes, but they went so well with Kirin and left us wanting for more even as our stomach was filling up to the brim.
Of course, no fine dining meal is complete without desserts. For this we had green tea creme brulee with white chocolate lavender ice cream (RM 24.90) and nutella gyoza with chocolate ganache & whisky raisin ice cream (RM 24.90). I like the creativity in nutella gyoza, and while the desserts may not stand out as much as their yakitori and other delicacies, they were certainly more than decent.
Yen & hubby, KY & Haze enjoying some awesome food and Kirin Ichiban
If you love yakitori, a fan of beer, or just generally love some good food in fine dining environment without breaking the bank, this is definitely one of the places worth checking out.
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.
I grew up in the era before internet was a thing, and back in those days, shopping usually means heading out to the mall (Komtar in Penang in our case), walk around and hunt for the best deals, and possibly asking the salesperson on the features and specifications of the items we wanted to purchase. It was hard work.
And if you are those who wants to get the most bang for your bucks, it meant asking around different shops, waiting for sales period, or even collecting paper coupons.
Well, those were the days. Now we have click on the computer/smart phone, and things appear in our front door a few days later. I love the 21st century.
Now of course there are many places to shop online, but it is always wise to choose one based on the these few points (personally I think so anyway)
Local (saves on shipping, easier returns if needed)
Rakuten Malaysia was launched in Malaysia in November 2012, just a little over 3 years ago, and to be honest, I actually purchased a Komine riding pants from the international site before the Malaysian version was launched. The process was simple and reliable then, it is even better now with the local site.
We already know the reputation of Rakuten and that it is a Malaysian site, so today, we look at the deals offered here – the Rakuten Super Points.
What is Rakuten Super Point and how does it work?
Well, every purchase you get from Rakuten now awards 5x points, which directly translate to a 5% savings to be used on the subsequent purchases. Very straightforward.
Additionally, on Wednesday, if you have a MasterCard, use it to get additional 5% off your goodies.
For example, I am researching for motorcycle riding gear and hop on to G7 bike store on Rakuten. Here they have helmet, bikeware, gloves, rainwear, shoes, and more, which is pretty neat and rather useful for me.
Maybe it’s time for me to get another jacket to supplement the current one (sometimes it rains and I’m out of luck the next day while waiting for the jacket to dry). G7 carries Komine, and if I get JK-063, here’s the savings:
purchase on Wednesday and use MasterCard (5%) and pay only RM 1007
get RM 50 via 5x points
total savings of RM 103!
You can be smart about it and separate your purchase into two batches to use the points immediately, or saves them up to be used at a later point. It’s really up to you.
But wait, remember the coupon thingy we talked about earlier? Instead of cutting it from magazine, just check out Rakuten every weekends for one that you can use. For example, at the time of writing, there’s a RM 5 coupon. Paste in the code during checkout get RM 5 off.
If you haven’t come across Rakuten Malaysia yet, go check it out now, there bound to be stuff you need in their vast catalogue. Sign up and enjoy these great deals.