Nuffnang!

Wednesday, October 27, 2010

TRUE STORY: I NEVER buy WORKING SHOES!

As per title, I NEVER buy working (leather) shoes in my WHOLE LIFE!  How and why?

It's because God blessed me with IDENTICAL SHOE SIZE with my DAD (Size 10).  Dad often buy BRANDED and EXPENSIVE shoes and passed his "OLD" (often after 6 months) FORMAL/SEMI-FORMAL LEATHER SHOES to me.  The most expensive shoes I "inherited" were 3 months old "KENNETH COLE NEW YORK"  worth RM5000.  Though average price is RM400 per shoe.  Recently, my dad passed me 2 shoes...  1 pair of "CLARKS" and a pair of "Scholl" shoes.


That's why I NEVER BUY WORKING SHOES.  But I bought Sports shoes every 6 months interval as my taste and Dad's taste were DIFFERENT when it comes to SPORTS shoes.  Dad loved "NEW BALANCE" shoes while I prefer "NIKE" and "SKECHERS". 

That's all folks, thanks for having the time and patience to read this blog entry.  An original JEFF LIM's PRODUCTION.  My Original Work.




Friday, October 22, 2010

HAZARDOUS Po Chai Pills!

Pls pass this info to Chinese communities overseas esp in N America,Europe, Australia , SE Asia (eg Indonesia ) where Po Chai pills are household over-the-counter all purpose "medicine", used to be in family medicine cabinets.  Well meaning moms, grandmothers give these to kids studying abroad.


Hong Kong Pulls Po Chai Pills because of Health Risks, Morning Post Says
2010-03-25 01:49:27.289 GMT  By Frederik Balfour


March 25 (Bloomberg) - Hong Kong 's Department of Health has instructed traditional Chinese medicine maker Li Chung Shing Tong (Holdings) to recall Po Chai pills after they were found to contain banned substances in Singapore , the South China Morning Post said.

The pills, popular among sufferers from digestion problems, were found to contain phenolphthalein and sibutramine, substances that can lead to serious side effects, according to a department spokesman, the newspaper said.
"Po Chai" (see images below) have been banned in Singapore . They are also being recalled in Hong Kong .
Apart from the two dangerous chemicals (phenolphthalein and sibutramine) found by the Singapore Govt., mercury is another component used in the manufacture of the pills !  
Mercury can cause serious brain damage: http://en.wikipedia.org/wiki/Minamata_disease

 


The following is prevalent in Malaysia and Spore.


At shop malls, do not drink the drink sold from the Chinese golden drums, those little shop with rich-looking urns selling those "anti-heaty" tea and tea & herbal-steamed eggs.

As well, by roadsides everywhere, where the guy asks if you would like to kar liew (add powder)

THAT POTENT ANTI-HEATINESS WORKS, BECAUSE IT'S LACED WITH STEROID POWDER. 

 
Pass this message to friends and family.

Consume it often, and your bone marrow will go porous and weak.

 My friend's wife, in Pudu, is now with one leg shorter after hip-joint replacement. She is 40-over years, and drink jln.Pasar's "kar liew" for years

Fwd: Penang CM's Merdeka Message

Subject: Penang CM's Merdeka message
To:
Date: Thursday, September 2, 2010, 7:55 PM
Presumably Penang's CM Lim Guan Eng's Merdeka message was NEVER published by the mainstream media. He had put the BN govt to shame with tangible results from his clean governance of the State.

Subject: Breaking Views

Breaking Views

 

Let Penang be a beacon of hope for Merdeka — Lim Guan Eng

AUG 31 — As we celebrate our 53 Merdeka, the country appears more divided than ever by racial, religious and even personal hatred. Fomenting racial and religious intolerance and hatred is now the rule rather than the exception.
 
The biggest challenge is whether Malaysians can rise above the language of violence used by extremists and fulfil our destiny of Merdeka 53 years ago of a shared society belonging to all and promising prosperity to everyone. Penang is under constant siege and attack by extremists and political foes from BN and Umno who use lies to create tension and division.
 
Amongst the lies still used is that the Penang state government has banned the Maulidur Rasul procession, banned Pasar Ramadan, replaced the YDP Agong’s name in Friday sermons with the Chief Minister’s name, only evict Malay villagers and traders. Up till today, the state government has not evicted a single Malay or non-Malay household and when enforcement action is taken against traders, only 30 per cent is Malay. Even when eviction is done by private landowners, the state government has also intervened to negotiate a settlement.
 
It is because our opponents are bankrupt of ideas that they resort to race and religion. Race and religious hatred is the final weapon of the extremists who can not win any debate based on facts and logic or find any weaknesses in PR’s performance.
 
Their desperation can be shown when the Penang PR government can not be faulted for being corrupt, abuse of power or wasting public funds. None of PR leaders have become rich or own luxury homes. We lived in a moderate lifestyle and travel by economy air wherever we can.
 
PR has reduced corruption with our CAT governance of Competency, Accountability and Transparency by turning around a projected deficit of RM35 million in 2008 to a record surplus of RM88 million. This was repeated again in 2009 by turning around a projected deficit of RM40 million to a surplus of RM77 million. For the first time in history, Transparency International praised Penang’s CAT governance for fighting corruption.
 
That is why the state government can afford its senior citizens appreciation programme of annual payout of RM100 to all over 60 years and RM1,000 one-off to beneficiaries of senior citizens which costs nearly RM20 million. That is why the state government can give RM100 water rebate in 2008 to all poor and middle-income households costing nearly RM 20 million. That is why the state government can give money annually to partially-assisted schools of RM 11.3 million. That is why the state government can double the allocation for Islamic affairs to RM 24.3 million in 2010 as compared to RM 13.5 million under BN in 2008.
 
All these successes in implementing a people-centric government have made our political opponents desperate. They become more desperate when Penang became the first state to ban sports betting(judi bola) after the Federal government issued the licence. Due to Penang’s lead, the Federal government had no choice but to cancel the judi bola licence. Certainly many BN and UMNO leaders must be angered by the cancellation of the judi bola licence because of loss of revenue of hundreds of millions of ringgit.
 
Penang will forge ahead in establishing the first people’s government in Malaysia that listens to the people, do the people’s work and give hope to the people. We will also remain steadfast in barring sports betting in the state as this is the common aspirations of 1.5 million Penangites regardless of race.
 
Let Penang be a beacon of hope for Merdeka, democracy, integrity, public morality and a people’s government as well as a symbol of national unity where Penangites live together in harmony and mutual respect.
 
* Penang 2010 National Day Message By Penang Chief Minister Lim Guan Eng In Komtar, George Town On 31 August 2010.

Open Letter From "Ice Cream Seller"

> Subject: Fwd: FW: Open Letter From "Ice Cream Seller"

> Note: Datuk Seri Ahmad Husni Hanadzlah today criticised Malaysians who
> have emigrated, saying it was “wrong” and insinuating that they were
> betraying the sacrifices of their forefathers.
>
> Husni, who is second finance minister, explained that “our
> forefathers” settled here because they believed that their children
> would have a future in Malaysia .
>
>
>
> Open Letter From "Ice Cream Seller" to Datuk Seri Ahmad Husni
Hanadzlah, Deputy Minister of Finance , Malaysia

>
> Dear Deputy Minister Husni
>
> A story (true) in response to your statement about emigration by ingrates.
>
> Sometime in 1980, when I was a final year student in London , I had a
> very short tele-conversation with my father. In those days, there were
> no call cards, Skype or the like and calls were expensive. He had a
> very simple message - "Don't come home, Son".
>
> Now almost 30 years on, I see where he was coming from.
>
> He advised me to stay on in the UK or if I found the weather not to my
> liking, told me to go to Australia - even if it meant that I may
> eventually marry a "white girl" as he put it. I was 23 and marriage
> was certainly not on my mind.
>
> He was a 'pendatang'. This pendatang however secured a scholarship to
> study in Raffles College (the pre-cursor to the University of Malaya)
> and served some 30-odd years in various senior teaching positions
> culminating with the last few years in the Malay College (Kuala
> Kangsar, MCKK) .
>
> Amongst his students - a list of past and present ministers and
> opposition figures.
>
> I didn't heed his advice till last year and spent the last 28 years in
> Malaysia . However, it became increasingly untenable to work here
> without compromising my values, integrity and conscience.
>
> Why did he advise me such? With hindsight, I saw his foresight.
>
> As an educationist, he saw we were heading to be another Ceylon (from
> where he was sent when orphaned), Burma , Philippines and in today's
> scenario, Zimbabwe .
> He saw what the outcome would be when we mess up education with politics.
> He saw that religion would be a divisive factor in years to come (he
> even encouraged me to learn Jawi as a 9 year old).
> He believed that in a country like this, mixed marriages would help
> cement society.
>
> He saw in some of our leaders of yesterday that even in their youth,
> they had unbridled cunning and only needed an opening to exploit that
> trait.
> He saw in some of his students potential to be PM but said that would
> never be because they were "too smart for UMNO's liking".
> He saw that given our racial demographics, religion would be used as a
> means to ensure the survival of a particular group.
> He believed that eventually, the Malays would have a class war amongst
> themselves.
> He said that even amongst the Malays, many of the English educated
> would opt to live away from Malaysia .
> He told me promotions won't necessarily be given for competence. These
> are usually won in the Clubs (read political party today) and over a
> few drinks. Being a bit of an introvert myself, he encouraged me to
> join clubs, associations and play sports and travel.
> He said honesty doesn't necessarily pay in this world but still better
> to be honest and live with dignity.
>
> Our home was (at different times) home to 3 delinquent Chinese boys -
> sent by the Juvenile court. He volunteered to take them in. Add to
> that a few other Indian boys.
>
> Though not my mother tongue, I spoke to my parents in Malay till I was
> about 10. We took in a Chinese lady injured during the war and she
> lived with us for about 40 years till she died. My father referred to
> her as his mother in law. I thought she was my grandmother even though
> my mother was not Chinese!!
>
> By the late 70s and early 80s, he saw that this scenario would not
> likely repeat in the years to come.
>
> When he died in 1982, we were pleasantly surprised to see some of his
> students (by then in their 50s) come from different states for his
> funeral.
>
> One told me that it was my father that made sure he spoke flawless
> English and another told me how my father would bring the 6th Formers
> home from the hostel and used our home for dinner and to teach them
> social graces - including dancing (taught by my mother). Partners were
> arranged from the convent school with the blessings of the
> headmistress!!!
>
> 29 years on, I view his foresight through the same prism and now
> agonise as to whether I should tell my children the same.
>
> For now, I am allowing my eldest to pursue his tertiary education overseas.
>
> Maybe when he finishes, he may not be as shortsighted as I was. Pray
> God grant him wisdom and vision.
>
> Last year, I resigned from my job, returned the company car and
> driver, said goodbye to my executive package and moved to Australia
> where I now live with no maid, no driver, no Audi 2.8, no golf, no teh
> tarik sessions, no bonus etc but am rediscovering humanity running a
> humble ice cream shop.
>
> Sometimes we learn very late.
>
> An ice-cream seller
>
>
>LETTER 2:
>
> A Malay but no longer Malaysian
>
> by H. Batson
>
> I am a Malay who has given up my Malaysian citizenship to live in
> another country. I have never been discriminated as a citizen of this
> foreign counry when it comes to job opportunities (promotions). I got
> to where I am not because I am a Malay but because I am good at what I
> do.
>
> Prior to issuing me a certificate of good character (one of the
> requirements to become a citizen), I was interviewed by the Asst High
> Commissioner of Malaysia .
>
> He was a nice man. He asked me this question:
>
> Asst High Commissioner:
>
> “Are you sure this is what you want to do?
>
> Because it is such a shame that Malaysia will lose a professional like you.”
>
> My reply:
>
> "I would love to contribute to my beloved country.
>
> However, my husband is an “orang puteh” and although he is a
> professional, it was impossible for him to get permanent residence in
> Malaysia .
>
> You don’t make it easy for us, what more I am a woman. My husband will
> never get citizenship."
>
> Asst High Commissioner:
>
> "Yes I agree, we don’t make it easy that is why we lose so many professionals."
>
> What more can I say.

What! Utar turns down RM30m donation?

Subject: Fw: What! Utar turns down RM30m

Why would UTAR's Board of Trustee turn down the RM30 million offered by the philanthropist to build hostels for the under-graduates? Simple, first, they don't get the chance to "manage" the expenditure of the RM30 million. Second, many, if not all Board members own properties around the campus. Who on earth would like to see the rental income from their properties to go down instead of up every year? Conflict of interest, self-interest, all kinds of interests!!!!!!

What! Utar turns down RM30m

Monday, 21 December 2009 01:18
KUALA LUMPUR – Plans by renowned philanthropist Koon Yew Yin, who has offered scholarships to Utar students to further alleviate their problems have hit a caveat. 

Koon made a RM30mil donation offer in August this year to build hostels at the Utar Kampar campus to help students “because all the poor students who have taken my scholarships have been complaining that their room rental keeps going up and up.”
According to Koon, there are about 10,000 students in Utar Kampar and the university has no plan to build any accommodation for students.
In a letter to the media, Koon vented his frustration saying the Utar  “was not willing to accept my RM30mil donation and to allow me to have control of a task force to oversee the spending of my money for building hostels within the Utar campus.”
“The housing developers are making hay while the sun shines. They just cannot build fast enough to meet the rapid increase of about 2,000 students per year,” said Koon.


utar-kampar-koon-yew-yin.jpg 
As a result, room rentals in the campus town are going up with a twin sharing room going at RM420 a month, he claimed.
Koon who met MCA president Ong Tee Keat during a meeting earlier, said that the MCA leader was shocked that Utar was not willing to accept his RM30mil donation and to allow him to have control of the task force.
Koon said that Utar has 1,300 acres of land and he only requires 30 acres to build the hostels.
He alleged that Utar had insisted that he could build hostels to accommodate only 5,000 students so as not to “upset the current property rental market outside the campus.” 


All terms agreed

 
Koon also said that he had accepted all terms by Utar, including donating the money directly to the university account.
However, Koon said in his letter that now, the Utar board of trustees chairman, Lau Yin Pin has written to him saying that they were willing to forego my RM30mil if he (Koon) insists on having control over the task force to manage the money he has donated. 


“Their letter of rejection is disingenuous to say the least. In the first place, they are willing to accept my proposed donation (according to all except one) on the basis of the conditions that I have set out,” he said.
Koon said that the letter to him states that “the Trustees and the Council will ensure that your donation will be utilised specifically for the purpose stated by [me]” and “the returns from the hostel will also be utilised according to [my] wishes.
Koon wants 50 % of the returns to go to the Koon Yew Yin Scholarship and Loan Fund to be managed by Utar and the balance 50% of the returns for new hostel construction at Utar. 


“However, in the same letter they state that ‘from the date of its inception on Aug 13, 2002, Utar has been receiving donations from various people and organisations including a launching grant of RM50mil from the Federal Government.
None of these donors have imposed any terms or conditions on Utar," said Koon.


Koon said that just because past donors have not insisted on conditions on their donations should not be used to reject his offer. 


“This so-called tradition is being used to reject my condition for control of the task force and is quite frankly, absurd and unacceptable. It is clear to any observer that if the Utar management agrees to the other conditions I have set out, they are already breaking the so-called “practice and tradition” of unconditional donations.” 


No vested interest

Koon insisted that his main concern in asking for control of the task force is to protect both the interests of the students and Utar.

ong tee keat 3.jpg 
“As a result, more students will be attracted to Utar Kampar which will also benefit the various property owners that are currently enjoying the benefits of the abnormally high rental market in Kampar at the expense of the students. “
In his letter of appeal to the MCA president, he urged the party and leaders to share his concern and to oppose “Utar members who may not be so scrupulous on observing their basic fiduciary duty to protect the interests of the students and university.”


In the mean time, I have to remind all the members of Utar Council and the Board of Trustees of their fiduciary duty.
Koon lamented that to stop him from building hostels on the basis of a “weak, illogical and unjustifiable pretext is surely against the interest of thousands of students and the university institution.” 


“I would like to stress that the net income from the rental of RM30mil invested in hostels and associated facilities will help thousands of students. You must not forget that the net income will be recurring which will help many more future students,” said Koon.

Watermelon is Dangerous! Why? Read on...

We all love watermelons right? It is a must as dessert at weddings and birthdays, or at the 5-star hotel buffets. But do you realize that WATERMELON IS DANGEROUS?
 

 

This is because the watermelon planters put Furadan, a powerful insecticide (a poison), into the soil before planting the watermelon to kill and keep away insects, especially ants. Experts confirm that Furadan is active for one whole year (12 months), and is most powerful and effective during the first 90 days. The problem is this: The watermelons mature and are picked after 55 days, when the Furadan is still powerful, and a lot of it is INSIDE THE WATERMELONS! Meaning the watermelon is filled with poison!Furadan especially DAMAGES THE KIDNEYS the organs which have to filter pollution from the blood!

 
From now on I will stick to the bananas and papayas, for the sake of my poor kidneys, thank you!

Friday, October 15, 2010

What is LOVE?

What is [<3]?

What is LOVE?  Check out this video sang by Jaeson Ma:
SOURCE:
http://www.youtube.com/watch?v=myCK36mFSZY

Here are the lyrics:
Now Hollywood wants to make you think they know what love is.
But I'm a tell you what true love is.
Love is not what you see in the movies.
Its not the ecstasy, its not what you see in that scene
you know what I mean? I'm telling you right now, true love is sacrifice.
Love is thinking about others before you think about yourself
Love is selfless not selfish. Love is God and God is love.
Love is when you lay down your life for another
Whether for your brother, your mother, your father or your sister
Its even laying down your life for your enemies,
That's unthinkable, but think about that
Love is true
Think.

Chorus
I'll put you in front of me
So everybody can see
My love, this is my love
I know that I'll be alright
As long as you are my guide
My love, this is my love

Love is patient, love is kind.
It does not envy, it does not boast
It is not proud. Love is not rude, it is not self-seeking
It is not easily angered, it keeps no record of wrongs
You see love does not delight in evil but rejoices with the truth.
It always protects, always trusts, always hopes, it always perseveres
Love never fails. Love is everlasting
Its eternal, it goes on and on, it goes beyond time
Love is the only thing that will last when you die
But ask the question why? Do you have love?

Chorus
I'll put you in front of me
So everybody can see
My love, this is my love
I know that I'll be alright
As long as you are my guide
My love, this is my love

There is no greater love than this than he who lays down his life for his friends
Now are you willing to lay down your life for your friends?
You're probably willing to lay down your life for your mother
your father, or your best friends
But are you willing to lay down your life for even those that hate you?
I'm going to tell you who did that
The definition of love is Jesus Christ. He is love
The nails in his hands, the thorns in his brow
Hanging on a cross for your sin my sins
That is love he died for you and me while we still hated him
That is love
God is true love, and if you don't know this love
Now is the time to know, perfect love

Chorus
I'll put you in front of me
So everybody can see
My love, this is my love
I know that I'll be alright
As long as you are my guide
My love, this is my love
(repeat)
 
END. 
That's all folks, thanks for having the time and patience to read this blog entry. 









Wednesday, October 13, 2010

VIDEO: JAESON: The Drug Dealer, Makes a Deal With God

YOUTUBE: TESTIMONY Video: JAESON MA, The Drug Dealer makes a deal with GOD.



SOURCE: http://www.youtube.com/watch?v=HfFOrf1WiUI

How to write and speak fluent Bahasa Malaysia

TODAY, I'm going to dedicate this blog entry to NON-Malays.  As per title, it's HOW TO WRITE AND SPEAK FLUENT BAHASA MALAYSIA.  Yes., how? 

Though I only studied Bahasa Malaysia up to Form 4 level (got a respectable grade B for PMR) as I transferred to British International School (for GCSE O'level), I can say that my reading and written Bahasa Malaysia is "CUKUP MAKAN".  As for spoken, I can proudly say that I'm surprisingly GOOD for a Chinese Malaysian.  Back to the question "HOW"?

Here's my tips how I managed to brushed up my Malay:

1) Watch Malay News (Berita) and observe how the newscaster speak.
2) READ Malay Newspapers/Magazines/Journals.
3) DO NOT be afraid to talk more Malay.  Try to converse in Malay as frequent as possible.
4) Be friend OR MIXED around with the Malays, try to talk to them in Malay NOT English.
5) WATCH Malay Movies (the Late Yasmin Ahmad's movie's a GOOD START). AND SWITCH OFF THE SUBTITLES. 
6) Listen to Malay Radio channel (again, learn how they speak).
7) Refer to Malay Dictionary (eg. Kamus Dewan) if you came across unfamiliar words as you READ in Malay (see point 2).
8) Write correspondence/letter/memo in Bahasa Malaysia.
9) LASTLY:

That's all I can think think of.  Contributions/Suggestions on how to Improve your Bahasa Malaysia are most welcome. That's all FOLKS...  Thanks for having the time and patience to read this blog entry.  My Original Work.

The 5 pillars of MANHOOD - How to love and respect women

Very Good article to share. :) copy from Jaeson Ma's website.
If you are lazy to read, read the bold and underline one.

http://jaesonma.com/365-days-of-love-day-284-the-5-pillars-of-manhood-how-men-should-love-respect-women/

WE NEED MEN OF GOD WHO WILL LOVE & RESPECT WOMEN OF FAITH...NEXT STOP "MANHOOD"

I spent the day with a group of men in our house church learning what it takes to be a man of God when it comes to loving and respecting women. In our day an age most men are not men, they are boys. Most guys still want to marry their mom, have a women serve and take care of them, are not willing to take initiative or commit in a relationship, most men are still living in fear, not pursuing their callings for settling for “safe” because its easy. This is sad, upsetting and the standard must change.

Women don’t want to marry boys, they want to marry men. Women don’t want boys they have to put up with, clean up after and take care of, they want to be lead, pursued and taken on an exciting life adventure. If you go to most of the churches in the Western world today, you will find that there are very few spiritual men, instead there are many spiritual women. It’s disappointing, but I hear it from women of faith all the time, “Pastor Jaeson, where are the godly men?”

Today, a good brother and leader in our GBS community Daniel Ra explained what God showed him to be the “5 Pillars of Manhood” in how men must love, respect and serve women. It was enlightening and reinforcing from what I have been teaching men for years when it comes to pursuing a woman of God… of course none of us are perfect, we all have our mistakes, but we must each strive to be better and greater than what we were before yesterday, everyday making an effort to be more like God, to be just like Jesus, to be a man of faith and honor.

The 5 Pillars of Manhood…
  1. Lead - A man must be a leader in a relationship, in a marriage, in a family. There are no excuses. A woman doesn’t want to make the decisions for her man, she wants her man to lead in the relationship. A man must take initiative. A man of God is leader, not a follower, a servant, not a slave, a hero not a coward. A man of God knows God and therefore knows himself. He should be the leader spiritually first, emotionally, mentally and physically he should set the standard for others to follow. 
  2.  Protect - A real man of God will protect his partner. That means he is willing to lay down his very own life, needs and wants for the protection of the one he loves. Every decision he makes when it comes to a relationship has her protection in mind. A woman needs to feel secure, that she is protected and safe with her man. She doesn’t need to second guess, wonder if she will be okay, or have her heart and mind played with. A real man of God will not only protect his woman physically, but also mentally, emotionally and spiritually. He always has the highest good in his mind for her safety, well being and wholeness. This is for the Christian guys out there, don’t emotionally rape a sister, play with her heart and tell her you are just her brother or friend. That is BS. Man up. You either pursue a woman of God because she is God’s precious creation, or you don’t try touching it at all, or play with their hearts emotionally, unless you are willing to be up front and clear with your intentions and the direction of the relationship from the start. Emotional rape is as painful to a woman as physical rape. Women are emotional beings and their hearts are not to be played with. Protect your sisters heart. 
  3. Provide – A real man of God will do whatever it takes to provide for his significant other. That means monetarily in finances, in basic needs and as well as what she desires. When a man asks a father for his daughter in marriage, the father will not ask, “How are you doing spiritually first?” No, the first thing the father will ask is, “How will you provide for my daughter?” Because part of being and becoming a man is providing for others, especially your wife and children. If a man can’t provide, he isn’t a man. God gave us hands and we must put our hands to work, no excuses to be lazy, God made us to rule the earth. Women are not be treated as toys, trophies or a luxury item, women are God’s highest creation, the very image of God.I tell men all the time, “Treat your woman like a queen and you will live like a king.” Don’t be cheap brothers, you need to go all out when it comes to pursuing a woman. This is not a one time thing, but a continual practice. Women were created for beauty. They were created beautiful, to feel beautiful to be treated beautiful. You don’t handle a rose without care, it is the same with a woman of God, you treat her with the utmost care, honor and respect. Practically, that means you don’t take a woman to Denny’s on a first date, you take her to a place that hurts your wallet, but it’s worth it because she is worthy.Also, men must also provide for women emotionally.   When a women asks you, “How are you doing?” She is really asking, “How are you being?” Meaning, what are you feeling, thinking, seeing, being about at the moment. To love a women we must provide at every level – basic needs all the way to providing for them mentally, emotionally and spiritually, if not their hearts will die. Be a man, provide for your women.
  4. Integrity – A true man of God is a man of his word. Too many men in our culture break promises, play with women’s hearts, date girls as if it was a game, and have no respect for women at all. This is disgusting. In old times, when a man said “You have my word!” that word was bond, it was as if an actual contract had been written, because your word was your reputation. How many men do we know today who say one thing, but do another? Men who do not keep their word, their promise or follow through with their verbal commitments. In our culture we don’t take words seriously, but in God’s world words are everything. Blessings and curses come out of the same mouth. What comes out of our mouths determines what is truly in our hearts.What a woman wants is a man of integrity. Someone who says what he does and does what he says. Someone they can trust at their word. So as a man you must come through. Words means nothing if they are not backed up with action. Don’t sorry unless you mean it. Don’t say sorry unless you are able to back up your apologies with doing the right thing.  Integrity is doing what is right, whether people are watching or not. Integrity is what you do when no one is looking. Does your woman trust you completely? If not, it is a question of integrity. Don’t tell a women you love her unless your love shows, words carry weight. They either carry false weight or real weight, a woman knows when a man means what he says.So live by your words, live by action, be a living proof of your values, convictions and commitments. Don’t get involved in a relationship unless you are sure this what you want and what God is leading you both to do. I’ve had my share of mistakes in the past, where I got into a relationship without thinking about the consequences, protecting my sisters heart and the fear of the Lord from the get go, I’ve had to make amends and face the results of my sin and foolishness. Trust me brothers, don’t do what I’ve done in the past, don’t play games, don’t feed your fleshly desires, rather seek God, seek the best interest of the one you are pursuing, be honest, forthright from the start about your commitment and your vision for the relationship and stick to your word. Be a man of integrity.If you pursue a women, it should be with the intentions of marriage. If not, stop playing yourself and her. It’s not about finding the right woman, it’s about being the right man. That starts with first knowing God in order to know yourself, then you will know how to love and respect a woman. 
  5. Courage - You are not a man until you climb the great wall of China! This is what it says at the actual great wall. Well, I have climbed the Great Wall of China so I guess I must be more of a man than others, just kidding. What is the greater underlying message here? It is a message of courage. It is a message of adventure. A man of God is a man of courage, a man of adventure, a man who is willing to take risks and do the impossible. Men were born to live a life of great adventure. Men were created to fight battles. Men were created to rescue beauties. Men were created to live.Sadly, most men are not living. Most men are cowards, fearful and afraid of failure. Imprisoned by their own thinking and what others think about them. Many men are just boys waiting for their mother’s approval, or the approval of others in society. Most men I know are people pleasers, not God pleasers. They are more afraid of how others may reject them or not accept them if they choose to take the road less traveled.
"All men die, few men truly live".

Women don’t want nice guys or good boys, women want men on a mission, men on adventure, men who are dangerous. This is why many women are drawn to bad boys because bad boys live with a sense of risk, danger, mystery and unknown. Men were created to live fearless and to live by faith. But if you walk into a church today what you find are a bunch of boys playing with their toys, working at predictable jobs, and living boring lives. It’s sad, but most guys get their sense of adventure from playing video games or watching TV, what happened to our men?

A man of faith will sweep a woman of God off of her feet. He will challenge her to go the distance in God, in their relationship and in life. A man of courage is someone who in the face of fear still chooses to move forward with trust in God, setting out to obey God’s voice at whatever the cost, because that is what matters the most. We need men who have hearts fully alive, hearts full of passion and are on a mission to change the world. There is a high cost to being a man of courage, there is a price to pay if we want to be a real hero, it means we are willing to go against the grain, follow God against all odds and live a life of honor, courage and righteousness.

When a woman finds a man of courage, it will encourage her to be all that God has created her to be. As a man, your goal is not how your woman can serve you, but how can you serve your woman? As a man, your goal is not how a woman can serve your destiny, but how can you do all that you possibly can to release the fullness of God’s glory and destiny in her.

Men take the lead, protect at all costs, provide in every way, live by your word and live a life of adventure with the Holy Spirit — obey God, not man and you will be the man of God you were created to be — and your woman will love you for it.

Monday, October 11, 2010

Islamic Banking - Because the Muslims don't know

Subject:  Islamic Banking
by Syed Akbar Ali

I recently attended a talk on "Contemporary Islamic Finance". The speaker was a young man with a PhD in Islamic Banking and Finance (UK). He was from an outfit linked to INCEIF ( International Center for Education in Islamic Finance).

Islamic banking or Islamic finance exists because the religious folks have succesfully inculcated the idea that bank interest is riba and therefore haram. The Quran states clearly that riba is haram but nowhere can we derive the injunction that bank interest is riba. The two are not the same.

Anyway the religious folks have created 'islamic finance' and 'islamic banking'. To cut a long story short there really is no such thing. Islamic finance and Islamic banking are just arabised versions of conventional banking. There is nothing islamic about it. Neither is there anything un-islamic about conventional banking either.

If you take a housing loan from a conventional "haram" bank you pay a monthly instalment. If you dont pay, the bank will auction your property. If you go to an 'islamic bank' you still have to pay monthly instalments which can be more expensive than the conventional bank. If you don't pay your instalment, the islamic bank will still auction your property too. What is so islamic or unislamic about that?

The conventional 'haram' bank will charge you interest say 10% a year.

The 'islamic bank' charges you what they call a 'profit rate' which will also be 10% or more a year. Kira-kira semua sama, tapi ini halal, itu haram. This is called pulling the wool over peoples' eyes.

Talking about the pricing of his Islamic banking products, the young man with the PhD in Islamic banking made no bones about it. He said it quite loudly and clearly 'we want to be the same as the market'.

I discovered this islamic banking trick years ago when we were handling the earliest stages of Islamic banking in Malaysia . At that time we called it an 'Islamic window' - Maybank did not yet have a full fledged Islamic banking license. But three months Islamic Bankers Acceptances (IABs) were priced exactly the same as three months conventional BAs. And so on. Tak ada beza pun.

A colleague who wore a kopiah to work had volunteered to go and work in the Islamic banking part of the bank. After a while he became even more confused. He said the calculations were all the same. In Islamic banking you add an 'Al' prefix to everything. Al Wadiah, Al Murabahah, Al Mudharabah, Al this and Al that. Other than the 'Al' its all the same.

Then the speaker dropped a bombshell. There is a famous case where an Islamic bank was suing a borrower for non payment of a housing "loan". According to Islamic banking the bank does not give you a "loan". The bank first buys the house from you at the market price. Then it sells the house back to you at a higher price over the period of the "loan" say 10 years, 15 years etc. Its just a deferred payment scheme with a 'profit rate' factored in.

The Islamic bank determines the selling price by compounding the "profit rate" (say 10% - copycatting the conventional banking system - 'we want to be the same as the market') for 10 years or 15 years. For those of you who have financial calculators (and if I still remember my financial computations), this is just the Future Value (FV) of an annuity at 10% starting with Present Value (PV) being the price of the house today and going forward 10 years, 15 years, 20 years etc. The Casio calculator will give you the 'islamic' answer in seconds. Does that make Casio 'islamic' too?

In a conventional 'haram' bank, if you default on your 20 year housing loan say after just three years, the conventional bank will ask you to pay back the principal amount of the loan plus 10% interest compounded for three years. The islamic bank cannot do that. The islamic bank will ask you to pay the full selling price of the house (based on 10% for 20 years) - even though you defaulted only after three years.

This is what the Islamic bank was claiming. However the very wise judge of the High Court Abdul Wahab Patail, the brother of our present AG, made a landmark decision. He ruled that the Islamic bank cannot charge the borrower the full amount for the full tenure of the "loan" when the borrower had defaulted just a few years into the "loan".

This decision by Justice Abdul Wahab Patail still stands until today and it has not been overturned. It also destroys a huge chunk of Islamic banking because the Judge has essentially ruled that the islamic banking system in Malaysia is actually unjust. It is worse than riba.

So how does INCEIF and the Islamic bankers handle this situation? This is where the speaker dropped the bombshell - and with a great big smile too. He said "the Muslims dont know" about Justice Abdul Wahab Patail's decision. Well dear Muslims, I hope that now you know. Please do spread the word quickly.

The speaker said that 'Islamic banking can still go on in our country because the Muslims dont know the decision by Abdul Wahab Patail'. In other words the islamic bankers are not going to tell the Muslim borrowers either. They will keep it quiet. Shhhhh ! ! And this is Islamic?

Then I learned something else too. While the speaker was talking about murabahah (one method of islamic financing), the Chairman at the talk was getting quite agitated. The Chairman was a foreigner from the Middle East and is an internationally acclaimed Islamic scholar himself. Suddenly he interrupted the speaker and made a clarification. He said that according to the Hanafi madhab (I think he is a Hanafi) murabahah was riba. Meaning murabahah was haram.

He then said that the Islamic banking practised in Malaysia was according to the Shafie madhab. Madhab means sect. Only then did it dawn upon me that in Malaysia we dont have generic islamic banking. It is "Shafie banking", according to the Shafie madhab.

A Muslim friend with a PhD from Cambridge later explained that this is partly the reason why there cannot be an "international Islamic capital market". One madhab's murabahah is another madhab's riba. One madhab's al bai al bithaman ajil is another madhab's riba also.

When a borrower defaults (or prepays) a 20 year housing "loan" say after just three years, the islamic bank can do what is called 'ibrar'. (In the old days they called it muqassa - I dont know why the change). 'Ibrar' means to refund the balance owing but not yet due. In other words 'buah belum masak lu jangan kira lah'. But there is no fixed or detailed idea about 'ibrar' among the islamic bankers.

So defaulting borrowers have no choice but to fight it out in the Courts with the Islamic banks. The speaker said that todate there are 3,500 unresolved cases of islamic banking BBA housing loans (Al Bai Al Bithaman Ajil) being disputed at the Courts in KL.
 
And one judge, a Dato Rohana, has been assigned to handle all these cases. Well good luck Justice Dato Rohana. She will become an expert in Al Bai Al Bithaman Ajil calculations - maybe faster than Casio.

If it is a conventional housing loan, all these 3500 cases can be resolved by a Casio calculator. (Ya Allah, why do the Muslims like to create all these strange things and end up tying themselves in knots?)

During the talk, the speaker put up a slide that had the arabic word 'zulm'. Zulm in Malay is zalim, meaning oppressive. The meaning was that Islamic banking should not be zalim or oppressive like the 'conventional' banking system with its interest based practises.

But how is the islamic bank less oppressive than the conventional bank? You charge the same rates - quite unashamedly saying 'want to be the same as the market'. The terms and conditions are the same except when the 'loan' turns bad. Then the islamic bank can become worse than Shylock the Jewish moneylender. They want their pound of flesh. And the conventional bank is still 'haram'?

There is another danger lurking. Talk is some ignorant do gooders are thinking of legislation where Muslims will be barred from using the conventional banking system. They can only go to the Islamic banking system. That is how we end up in the Club of the Doomed.

END-

ARTICLE 2:

Saturday June 26, 2010

Bank Negara: Islamic financing rebate is mandatory


KUALA LUMPUR: Bank Negara has ordered syariah banks to give
borrowers a rebate for early settlement under new rules designed to
prevent legal disputes and restore confidence in Islamic financing
contracts.

The ruling from Bank Negara’s syariah advisers will standardise the use
of rebate, or ibrar, in bai bithaman ajil and murabaha financing contracts
which are widely used in Malaysia’s US$95bil Islamic finance market.
In practice, Islamic banks can grant a rebate to waive their right to the
unaccrued sum but such discounts are discretionary, resulting in legal
disputes. If a rebate is not given, syariah financing contracts can be more
costly than conventional loans.

“In line with the need to safeguard maslahah (public interest) and to
ensure justice to the financiers and customers, Islamic banking
institutions are obliged to grant ibrar to customers for early settlement of
financing based on buy and sell contracts,” the ruling said. The ruling,
effective June 7, requires the right of rebate to be specified in contracts.
— Reuters

The method of computing the rebate will be determined by the central
bank. - Reuters

ARTICLE 3: 
Clerics declare Islamic banking haram
By ranigee
Lahore : Pakistan | Jan 28, 2009


LAHORE: As many as 31 top Islamic clerics and scholars of the country have declared the present Islamic banking system 'Hara'am' and 'Ghair Sharai' and termed all the dealings with such Islamic banks un-Islamic as they are based on interest.

The scholars declared the Islamic banking against the Islamic teachings and values, saying that all the business with these so-called Islamic banks was not Islamic. They gave a 'fatwa' and urged the Muslims not to deal with these so-called Islamic banks.
They agreed on the final judgment after having deep thinking and consultation that no Islamic bank was lending interest-free loans and instead of issuing Qarz-e-Hasna, every institution is involved in interest-based business.

Dr Azizul Bari, a research economist, said that Islamic banking system did exist in Islam but there was no proper platform available for the purpose. "There is a need to introduce a new banking system different from the existing one for the 'real Islamic banking system," he said, adding that ulema, clerics and religious scholars must be consulted for finalising the theory.

He said without getting an expert opinion from the Islamic scholars, Islamic banking system, in its true spirit, could not be introduced and implemented. Commenting on the bank-lending system, He said the proposed banking system should not be devised to earn profit rather it must have the idea to support the borrower.

He, in his verdict regarding existing Islamic banking, said that Islam presents a complete code of life and similarly, in the money lending and borrowing, presents a set of rules but there is no platform present in the prevailing situations. "Furthermore, the rules presented for the system are not being used accurately," he added.

He said government should arrange discussions on Islamic economic system so that the practical shape of the Islamic system could emerge, adding, "We have moved from the divine path owing to which, we have indulged into a severe financial crisis. The nation is facing a financial crunch that was tarnishing the social and economic system in our society."

While referring to the responsibility of the parliament, he said that it was the prime responsibility of the parliament to debate on the issue of Islamic banking and to find a practical way out of the interest-based banking system. On the other hand, the grievances of borrowers must be redressed as no body was hearing against the interest charging on the borrowed amounts.

Islamic economist Abdul Wadood Khan said that no Islamic bank was lending interest-free loans, rather these banks were charging hefty amounts in term of profit against the lent money. He further said that Islamic banks were earning interest by lending and borrowing money on interest, adding that if interest-free lending is introduced, the prices of commodities would decline as the interest amount has been added in the prices of all items. He said Islamic banking was neither Islamic nor banking at all because there is no concept of interest in Islam.

The religious leaders who signed the 'fatwa' includes Maulana Salimullah Khan of Jamia Farooqia Karachi, Maulana Mufti Ghulam
Qadir of Akora Khattak, NWFP, Mufti Hamidullah Jan of Jamia Ashrafia, Lahore, Maulana Mufti Ahtashamullah of Makran,
Balochistan, Maulana Mufti Abdul Majeed Dinpuri of Jamia Banoria, Karachi, Maulana Mufti Saaduddin of Lakki Marwat, NWFP, Mufti
Maulana Abdullah of Multan, Mufti Gul Hassan Bolani of Quetta, Maulana Zarwali Khan of Karachi, Maulana Saeed Ahmed Jalalpuri
of Karachi, Maulana Mufti Hamid Hassan of Kabirwala, Punjab, Maulana Mufti Rozi Khan of Balochistan, Mufti Habibullah Sheikh of
Karachi, Mufti Abdul Qayyum Dinpuri of Karachi, Mufti Nazir Ahmed Shah of Faisalabad, Mufti Saeedullah of Balochistan, Maulana
Mufti Inamul Haq of Karachi, Maulana Mufti Ahmed Khan of Karachi, Maulana Mufti Imdadullah of Sindh, Mufti Amanullah of Karachi,
Maulana Kalimullah of Sindh, Mufti Ahmed Khan of Sindh, Mufti Abdul Ghaffar of Sindh, Maulana Dr Manzoor Ahmed Mangal of
Karachi, Mufti Asim Abdullah of Karachi, Mufti Samiullah of Karachi, Mufti Shoaib Aalam of Karachi, Mufti Rafiq Ahmed of Karachi

It’s getting way too costly to own a home

The Star Online: OPINIONS: Friday October 1, 2010


SOURCE: http://thestar.com.my/news/story.asp?file=/2010/10/1/focus/7140931&sec=focus

It’s getting way too costly to own a home

AS I will be getting married next year, I have been looking forward to
owning my first home. However, it is really painful to witness the everincreasing
prices of houses which is outpacing my income growth.

Recently, I walked into the sales office of a new condominium project and
the sales person told me the developer is giving a special eight per cent
discount for units on the lower floors. The person told me that I only had
to put down two per cent to secure a mortgage, as they will report to the
banks the full price of the condominium, and give me the eight per cent
discount without the bank’s knowledge.

Coupled with ever higher loan-to-value ratio, it sure is a sign that the
market is now beyond the reach of most genuine home buyers.
Otherwise, why resort to such tactics to entice buyers to sign on the
dotted line?

This reminds me of the hey-day before the 2008 crash in Britain. Just
before the crash, British banks were lending up to 110% of the value of a
property. Any form of affordability test was circumvented by mortgage
advisors who encouraged buyers to “self-certify” their income levels to
declare an inflated income.

The whole of the UK was in a euphoria, and everyone was piling into the
“sure-win” property market. Mortgage repossession in Britain has
increased drastically in the past couple of years, probably causing ruin to
the lives of those caught out.

After looking at the property market in the Klang Valley, I am now more
inclined to rent my first home.

I can rent a nice house in a good area for RM2,000, whereas I would
have to pay RM4,000 or more to the banks if I were to buy a similar
property in the same area. Many people say renting is a waste of money.
I don’t see how paying double the rent amount to a bank to service the
interest is not a waste of money.

HAPPY TO RENT,
Petaling Jaya.

Related story: Is Buying or Renting better
http://www.starproperty.my/PropertyGuide/Finance/2139/0/0

MRT will boost property prices

The Star Business, Thursday October 7, 2010
MRT will boost property prices
PETALING JAYA: The proposed mass rapid transit (MRT) system is expected to be one of the main contributing factors to boost property prices adjacent to the MRT stations.
CB Richard Ellis (M) Sdn Bhd executive director Paul Khong said the MRT stations generally had a positive impact on nearby property values in most cases.
“Being next to the station works well for lower and middle-end residential neighbourhoods and all commercial offices or retail malls. This basically translates to better public transportation and enhanced accessibility to the relevant vicinities,” he told StarBiz.
“The MRT will benefit the lower to middle-end users the most and it makes travelling faster, cheaper and much easier.”
On the expected quantum capital appreciation due to the MRT stations, Khong said it could be 10% to 15%.
“More importantly, the MRT station must be less than a 1O-minute walk from the properties. Ultimately, being next door and within five minutes away will be a premium.
“Anything more will give less impact in terms of capital values,” he said. “Being next to a MRT station could be the main selling point for a new project, be it a commercial or a residential one. A good example will be Menara UOA in Bangsar.”
But, Khong said, the property prices could be affected if it was alongside the MRT tracks and not the station. “The crucial point is to be close or next to the station if possible,” he said.
The RM36bil MRT system proposal by Gamuda Bhd and MMC Corp Bhd will have up to three main lines. The first line will run through Sungai Buloh, Kota Damansara, Kuala Lumpur and Cheras (right up to Kajang).
The second line will connect Sungai Buloh, Kepong, Kuala Lumpur and Serdang, while the third line will loop around Kuala Lumpur’s business district – providing a link between the monorail and light rail transit (LRT) services.
The Gamuda-MMC proposal is currently undergoing technical study by a consultant and should be completed by mid-month to be presented to the Government.
At this point in time, there is no information on the exact locations of the proposed MRT stations.
According to property consultancy Khong & Jaafar Sdn Bhd managing director Elvin Fernandez, most of the areas around the LRT stations have been developed and it is axiomatic that accessibility would improve property values.
“But the impact wouldn’t be immediate as the MRT will take time to complete and the effect will be evident only from details of the exact positions of the rails and stations filtering into the market in time to come,” he said.
Based on preliminary details of the MRT, Fernandez said the Sungai Buloh area (the Guthrie Corridor townships) and the proposed Rubber Research Institute Malaysia developments could be among the first beneficiaries because both lines were expected to start from there.
“Kajang and Seri Kembangan are the next areas to flourish as they are on the other end of the line. Additionally, the Cheras corridor also has good prospects,” he said.
Nevertheless, Fernandez said, some developments might be negatively affected, especially residential developments, due to the noise or congestion if they were close to the rail lines or stations.
“But generally, the MRT should bring positive effects to the nearby areas,” he said.
According to a market source, another area that would have potential based on the proposed MRT system was the Kota Damansara corridor.
“The Kota Damansara corridor includes Kota Damansara, Mutiara Damansara, Damansara Perdana and The Curve. Business and financial districts along Jalan Raja Chulan, Jalan Bukit Bintang and Suria KLCC also have good prospects,” said the source.

PENANG EXCEEDED RM1 Billion in revenue in 2009 - 1st time in 52years

I don't think this good news will appear in our local newspapers afraid that their license may be revoked if they do publish this news.Please circular this email to all in your mailing list so that they know which party to vote  for during the coming 13th General Election. You must take into account  your children and/or grandchildren's future so vote for the right party.
 



PENANG EXCEEDED RM1 Billion in revenue in 2009 - 1st time in 52 years

Congratulations to Penang!!!
Congratulations to all the People of Penang for voting in a better govt.

While Pahang which Governed by Barisan Nasional for past 52 years is facing bankruptcy.
Penang is praised by Global Anti-Corruption watchdog Transparency International for its anti corruptions efforts.

What makes Malaysia all of a sudden to be ranked on 47 out 180 countries ?
Answer : The Malaysian People made the right choice by denying 2/3 majority enjoyed by Barisan Nasional all this years. It's a well check and balance by Pakatan on Barisan that led to this 47th position.

If Malaysians wants to enjoy this, then you should know what to do in the next election !!!

Anyway congrats to Pakatan Led by DAP in Penang. In just 18 months CM Lim turned around Penang into corrupt free State. Shame on BN & ex-CM Dr Koh of Gerakan.

As ex-Gerakan President Lim KY had said: "BN/Gerakan has lost Penang forever."

"RM 10 billion in losses from corruption per year is a huge sum and there must be greater commitment from the Federal government towards fighting corruption to ensure that 27 million Malaysians can benefit from this RM 10 billion dividend from successfully combating corruption."

Global anti-corruption watchdog ranks Malaysia 47th least corrupt, praises Penang <http://www.themalaysianinsider.com/index.php/malaysia/38529-global-anti-corruption-watchdog-ranks-malaysia-47th-least-corrupt-praises-penang><http://www.themalaysianinsider.com/index.php/malaysia/38529-global-anti-corruption-watchdog-ranks-malaysia-47th-least-corrupt-praises-penang%3E>

GEORGE TOWN, Sept 24 – Global corruption watchdog, Transparency International (TI), has ranked Malaysia as the 47th least corrupt nation in the world and commended the island state of Penang for its anti-corruption efforts.

Denmark, New Zealand and Sweden was listed by TI as the top three least corrupt countries as measured by the Corruption Perceptions Index (CPI), which ranks countries in terms of the degree to which businessmen and country analysts perceive corruption to exist among public officials and politicians.

Singapore, Finland, Switzerland, Iceland, Netherlands, Australia and Canada rounded off the top least corrupt countries.

Malaysia came in 47th out of 180 countries in the index, tied with Hungary and Jordan.

The CPI is part of TI's Global Corruption Report (GCR) 2009 released yesterday.

In its report on Malaysia, TI highlighted the Malaysian practice of the "revolving door" whereby individuals move from government to business, or business to politics, and back again, and estimated that corruption could cost Malaysia as much as RM10 billion a year.

"Significant government participation in the private sector and considerable business participation in politics means that the movement of gatekeepers to players and players to gatekeepers has a negative influence on the concept of checks and balances," said TI.

"The complexity of the relationships between politics and the public and private sectors means that corruption may take place with impunity. Until drastic action is taken to separate the cozy relationship between government, business and politics, the anti-corruption effort will remain no more than a token gesture," said TI.

Penang chief minister Lim Guan Eng says he is "humbled" by the recognition by TI and added that he was concerned over the fact that that corruption could cost Malaysia as much as RM10 billion a year – an amount equivalent to 1 or 2 per cent of GDP as pointed out by the GCR when it cited the findings of the special government business facilitation task force Pemudah and the World Bank.

Additional report contents that were of concern to Lim was Malaysia's per capita spending of only RM5 on anti-corruption efforts and the fact that only about 10 per cent, or just 7,223 potential corruption cases, of the total 71,558 reported between 2000 and 2006 were investigated by the Anti Corruption Agency, the precursor of the Malaysian Anti-Corruption Commission, with a conviction rate of less than one percent.

"The GCR 2009 concluded that this illustration of the Malaysian government's inaction in the light of the serious corruption allegations, along with its seeming inability to catch the big fish instead focusing on the 'small fry', suggests that what anti-corruption efforts exist are mere tokens," said Lim.

"RM 10 billion in losses from corruption per year is a huge sum and there must be greater commitment from the Federal government towards fighting corruption to ensure that 27 million Malaysians can benefit from this RM 10 billion dividend from successfully combating corruption."

Lim also today announced that the state has managed to cut about RM36 million or 12 per cent of in operating expenditure this year due to its efforts to curb corruption.

"Transparency International' s recognition of anti-corruption efforts by the Penang state government through CAT (Competency Accountability And Transparency) governance is backed up by savings of nearly 12 per cent of the 2008 Penang state budget of RM 36 million from operating expenditure. This RM 36 million savings has allowed the state government to carry out social programs and implement its people-oriented government," said Lim.

TI said that the Penang state is the first Malaysian state government to implement the open tender system for government procurement and contracts.

It also recognized the state government's directive barring administrators and state executive councilors from making any new land applications and efforts to attract professionals to serve on various boards, such as the Penang State Appeals Board.

"On behalf of the Penang state government, we feel humbled by the recognition given by a world renowned body such as Transparency International and would redouble efforts to ensure the anti-corruption reforms are institutionalized and ensure more professionals are appointed to key bodies. Fighting corruption generates savings for the people," said Lim.

He added that the two local authorities in Penang are expected to save another RM34 million over three years from a "transparent" negotiation over the price of solid waste disposal that reduced the rates agreed to by the previous Barisan Nasional administration by a further 42.4 per cent.

Lim said that the savings would go towards the state government's "3E" programme to "enable" the people with skills and knowledge so that they have an equal opportunity to create wealth, "empower" them with fundamental rights and basic freedoms, and "enrich" the people by sharing wealth and economic benefits.

Now it is Penang Boleh - Vote wisely for a better Malaysia.


Don't HIRE Chain Smokers! Why? Read on...

To all Human Resources/Headhunters, DO NOT HIRE CHAIN SMOKERS.  Why?  Read on:


Based on my Today's 1st hand experience (SEEN WITH MY OWN EYE!), here's why Chain smokers' shouldn't be HIRED.


A Chain smoker (my personal definition, anyone smoking more than 50 sticks a day, ie. 2 1/2 packs of ciggies) smokes every 15 minutes on average.  Every 15 minutes, he/she'll take 5 minutes so called Cigarette break.  This means 15 minutes per hour wasted (ciggie break remember?).  Now, an average working hours is 9 hours.  Multiply 15 minutes with  9 hours you'll get 135 minutes CIGARETTE BREAKS per day!  SHOCKING AIN'T IT?


How to spot CHAIN SMOKERS:
1) Look at their Fingers (2nd and middle), gray/black = CHAIN SMOKER
2) Look at their teeth and lips.  Black teeth/lips = CHAIN SMOKER
3) Keep him in the room for AT LEAST 40 minutes.  A Chain smoker will feel Sleepy, Tensed up, agitated, uneasy as he/she needs to smoke every 15 to 30 minutes.


Remember, YOU HAVE BEEN WARNED!!!

VIDEO: Hillsong: Oceans Will Part.

Another of my top 5 ALL TIME favourite Praise and Worship song by Hillsong.  Hope you enjoy this song as much as me.  This video came with LYRICS...

OCEANS WILL PART:
Hillsong - Oceans Will Part - With Subtitles/Lyrics


Anyway, here's the lyrics:

Hillsong
Oceans Will Part lyrics

Songwriters: Fielding, Benjamin David
Verse 1:
If my heart has grown cold,
There Your love will unfold;
As You open my eyes to the work of Your hand.
When I'm blind to my way,
There Your Spirit will pray;
As You open my eyes to the work of Your hand,
As You open my eyes to the work of Your hand.

Chorus:
Oceans will part; nations come
At the whisper of Your call.
Hope will rise; glory shown.
In my life, Your will be done.

Verse 2:
Present suffering may pass,
Lord, Your mercy will last;
As You open my eyes to the work of Your hand.
And my heart will find praise,
I'll delight in Your way,
As You open my eyes to the work of Your hand,
As You open my eyes to the work of Your hand.


END...

SOURCE:

1) http://www.youtube.com/watch?v=j7Uj_B0KNgU
(FOR VIDEOS).

2)http://www.music-lyrics-gospel.com/gospel_music_lyrics/oceans_will_part_7458.asp
(FOR LYRICS) 



That's all folks, thanks for having the time and patience to read this blog entry.








Video: HILLSONG: Hearts of worship (when the music fades)

This is also one of my TOP 5 ALL TIME favourite Worship Song by Hillsong.




HILLSONG: Heart of Worship (When the music fades...)


by Matt Redman


Verse 1
When the music fades
All is stripped away
And I simply come
Longing just to bring
Something that's of worth
That will bless your heart

Bridge
I'll bring You more than a song
For a song in itself
Is not what You have required
You search much deeper within
Through the way things appear
You're looking into my heart

Chorus
I'm coming back to the heart of worhip
And it's all about You
It's all about You, Jesus
I'm sorry, Lord, for the thing I've made it
When it's all about You
It's all about You, Jesus

Verse 2
King of endless worth
No one could express
How much you deserve
Though I'm weak and poor
All I have is yours
Every single breath

*Bridge*
*Chorus*
*Chorus*

I'll bring you more than a song
I'll bring you more than a song
More than a song
I'll bring you more than a song
I'll bring you more than a song
You're looking into my heart
Looking into my heart
You're looking into my heart
Into my heart 
 
I'll bring you more than a song
I'll bring you more than a song
I'll bring you more than a song
I'll bring you more than a song
 
END...
 
That's all folks, thanks for having the time and patience to read this blog entry.

SOURCE:

1)http://www.higherpraise.com/lyrics1/Heart_of_Worship.htm
2)http://www.youtube.com/watch?v=1PEdlnn7ZGM 

Sunday, October 10, 2010

VIDEO: Hillsong: The Desert Song

This is one of my favourite Worship Song.  That's why I post it here in my blog.  Hope you enjoy it as much as I do.

 

Hillsong:
The Desert Song 

VIDEO:


Lyrics

Songwriters: Fraser, Brooke Gabrielle

The Desert Song Lyrics

Verse 1:
This is my prayer in the desert
And all that's within me feels dry
This is my prayer in the hunger in me
My God is a God who provides

Verse 2:
And this is my prayer in the fire
In weakness or trial or pain
There is a faith proved
Of more worth than gold
So refine me Lord through the flames

Chorus:
And I will bring praise
I will bring praise
No weapon forged against me shall remain

I will rejoice
I will declare
God is my victory and He is here

Verse 3:
And this is my prayer in the battle
And triumph is still on it's way
I am a conqueror and co-heir with Christ
So firm on His promise I'll stand

Bridge:
All of my life
In every season
You are still God
I have a reason to sing
I have a reason to worship

Verse 4:
This is my prayer in the harvest
When favor and providence flow
I know I'm filled to be empited again
The seed I've recieved I will sow

END-

SOURCE:

1)http://www.lyricsmode.com/lyrics/h/hillsong/the_desert_song.html
2)http://www.youtube.com/watch?v=dvgpQiL7YQk&feature=PlayList&p=B3D5624FDC273C7B&index=0&playnext=1