Thursday, December 15, 2016
Monday, August 1, 2016
A GUARANTOR’S HEADACHE
| Shah Alam High Court |
Being
a guarantor, especially to help out a friend in need or family member to kick
start a business or someone you love to purchase a dream home. But one need to
very prepare for the ultimate HEADACHE ….. you; the guarantor need to repay the
loan yourself.
What
happened to Director being the guarantor for corporate loan ? 5 quick check point before you sign on the
doted line.
1.
Is the person who run the company smart,
intelligent, trustworthy and fair ?
2.
Is the loan obtain beneficial for the company
growth ?
3.
Can the company be able to repay the loan comfortably in the next 5 years.
4.
Is the company performance moving uptrend with
secure contract ?
5.
How can the guarantor exit from the guarantee.
Resignation
as a Director of a company does not necessarily ceased to be the guarantor's of
past signed “Letter of Guarantee”. If you are not careful, one will be a
subjected to feeling of betray as well as losing one own asset or hard earn
money.
Today
my case here have to bear and grit his teeth for being ignorance and trusting
on friend.
Tuesday, July 19, 2016
ARE YOU A VICTIM ?
| Shah Alam High Court |
Today
will be a milestone in my pledge to provide free legal advice specifically on
corporate related matter. Being a non legally train, it hard for others to put
themselves to you and take your advice seriously. But there will be time, one
can turn left and right but there is no way out.
Being
rich does not guarantee good service, being a shrew business person does not mean
you are not target of swindler, being smart does not mean you don’t fall prey
on smooth talker and like I always said…… there are actually a tons of good
people outside, but you will be doomed the moment you meet the one, bad one.
Today
is a case of how another person creatively taken over a young and energetic entrepreneur, money making manufacturing business without paying a single
cents. Not only he lost the entire business but saddle with huge borrowing from
the bank.
Representing the defendant, we manage to secure time from the court to
facilitates discussion and negotiation with others parties which my experience
told me that all will come out well.
Don’t
let legal jargon, fees, professional advice or going to court frighten you. We
all learn everyday in our life. Tough experience make us wise and stronger.
Monday, June 27, 2016
IS MENOPAUSE AFFECTING YOUR LIFE ?
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| image from herewomentalk.com |
According
to my physician Dr Katty, very rarely women have difficult or challenging time
during on-set of menopause to the extend that she cannot handle the process and
spiral out of control psychologically and physically.
Well
I am one of them. HRT or Hormone Replacement Therapy has been in place with
initial smaller dosage has been increase double but yet the burning BBQ
sensation, feverish feel are almost 24 hours a day experience. You may on full
blast the air-conditioning but all you cool is your skin but not the inside
oven like heat that make you tear out your hair and run for cold showers every
3 to 4 hours a day.
Targeting
a peaceful night sleep is my everyday objective. Many of the techniques that I
employed will be read until your eyelid has no more energy to hold it up and
sleep meditation; of course pray to GOD to come to your rescue and bring peace
to your sleep.
Not
only menopause deprived me of my wonderful sleep nightly, it too decided to
make my heart beat in a angry and fast manner. I fell my heart will pop out
from my chest anytime. With the double dosage of HRT, luckily my heart go back
to it normal function of beating softly.
Suddenly
one morning, I felt my neck is stiff, my head is heavy and pounding and the
room seems to move like the earth on obit. Ending up in the hospital with blood
pressure 180/98, the doctor quickly put me on a small dosage of hypertension
medication which he assured me that with proper rest, cool my mind and body I
should be out and going in 5 days time.
Hypertension
is a word that worried most people and according to the doctor 30% of Malaysia
population are living with hypertension. Again I am worried and went for ECG
and more test. Even though all the tests signed me a clean bill of health but
somehow I don’t really fell well.
We
now tend to run through the internet for facial product, cream, lotion and
ampoule to make the skin smoother and supple. We loom at the mirror everyday to
check on wrinkles and drop of the cheeck. We run though the kitchen for quick
DIY on heal the skin the natural way.
Psychologically
I am sensitive, you know too emotional and jump to conclusion in less then one
second and create volcano eruption in the family. Again I design method to calm
the mind by having meditation, qigong, gardening, tons of reading and of course
pray to GOD that hold my hand and please let this phase quickly be gone and done
with.
It
is pretty frightening that no one doctor that
can diagnosed menopause and can advice the patient of what to expect next but
always what already happened and how to mend it. Malaysia women has taken
menopause lightly as most of us see our mother and we fell that our mother went
though it without much funfare and
we
should too. We women rarely wanted to talk about it and take it as part and
parcel of aging and life. If we women wanted a better and quality life ; a good
and effective program should be in place for us to aged with comfort and
confident.
Tuesday, May 17, 2016
5 IMPORTANT FACTOR BEFORE STARTING HRT (HORMONE REPLACEMENT THERAPY).
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| image from davor slike |
Having
gone through a period with all the sign of perimenopause such as heart
palpitation, increase of body temperature, sudden lowering of mood, nightly disturb sleep, dry skin and eyes which make my daily quality of life is
compromised.
Take
all these information to your doctor and he will be able to advice you accordingly and you too should keep one set of this information for future
references.
1. Complete a thorough blood test.
Just to make sure you don’t have other surprises with your
health issue as you need a clean bill of heath.
A full blood test with a chest X-ray and cancer marker will
cost around RM250.
2. Have a mammogram.
With the ho and ha of breast cancer, it vital that you know
how your breast look like before the commencement of the program. Make it a
habit to do it annual as this is the only way you can ensure the health of your
breast.
Currently LPPKN is having a subsidized program of RM50.00
for those who total house hold earning is above RM10,000 and FULL subsidies is
for those who has lower then RM10,000.00 for women from 40 to 70 of age.
To obtain a centre near you, kindly log on to http://mamogram.lppkn.gov.my/PusatMamogramList.aspx.
3. Check your blood pressure.
You need to control your high blood pressure before you can
start HRT and you need to monitor it regularly on your own.
Blood pressure check is usually in the blood test
packages.
4. Ultrasound your womb.
Make sure you womb is healthy and you have regular period.
Other HRT plan is available if you have irregular period.
The cost for an ultrasound is from RM120 to RM180. You can
get a Free Mammogram for ladies 40 to 70 together with a FREE ultrasound at
Vision Dianostic Centre Petaling Jaya.
5. Go for a pap smear.
Ensuring you had a clean and healthy cervic. You can get a
this test at Nasional Cancer Society Malaysia for RM40.00.
Thursday, May 12, 2016
ESTROGEN & ME
It is very important to understand how this estrogen affecting me. Currently there are 3,791,540 women in Malaysia from 40 to 64 of ages and i am sure if not all of them going thorough what i am experiencing, most of them will somehow gone through it.
What does really estrogen function and how it effect us ?
Estrogen is the hormone is very vital for the health of female reproduction organ and it peak mostly at 20s and decline slowly thereafter.
1. Skin changes .
I started to observe that fine lines pops up overnight on my face, neck and even my hand look coarse and texture of the skin is not so smooth anymore.
2.Decrease in memory power.
Sometimes i find myself walking up and down of the house looking for something and i can't remember what.
3. Tired easily.
For a person who can spend 12 hours daily running from one meeting and appointment to another now can hardy attend 2 per day. My entire body just cannot move anymore. it refused to budge from the nearest seat that i manage to grab and my brain is not helping either. It started to hypnotized me to closed my eyes and go to slumber land.
4. Palpitation.
My heart sometimes beat so fast and hard that i thought that my blood become so thick that my heart have no choice but to use all it energy to pump oxygen to keep me alive.5. Body ache.
My arms pain. My joint hand and leg is weak. No amount of yoga stretching, exercise or traditional ointment can diminished the daily discomfort.6. Tooth and gum changes.
When i smile, i notice that the gap between my tooth are getting bigger and the gum too are getting tighter. This will affect how i look as it will pull the lower part of the face slightly droppy.7. Mood swing.
I can be very happy in the morning and extremely moody in the evening. I can too be very exited in the afternoon and suddenly very sad. Certain news irritates me to being wild with rage, noise drove me to being insane.
Everyday it an experience of uncertainty with me and i have to brave with the challenges to acknowledge and be mindful that now the master in me is estrogen and i must not let it control my life to the extend it bring misery.
Friday, May 6, 2016
SALUTE TO ALL MOTHERS.
Wikipedia
said that “Mothers Day
is a celebration honoring the mother of the family, as well as motherhood,
maternal bonds, and the influence of mothers in society.”
Motherhood
has no fix formula or recipe. Each woman journey record their own sellout novel
with amazing tales of survivor, triumph over adversity, heart stopping
emergency and overfilled feeling of love and happiness.
Being
a mother bring out the best in us; woman. We learn to grow from a carefree days
of a student and young adult to learning to care for another human being. The
days mother wait and feel the unborn child inside her to the great joy to have
the first glimpse of the child; words have no description of it feeling.
No
matter what is the age of your child, being a mother provide an excellent
opportunity to exercise our senses, heighten our alert mechanism, nurturing our
loving heart and improved our money managing skill.
Even
though we welcome motherhood with great joy, we pray that each of us be blessed
with continuous strength and wisdom. Motherhood the job without retirement, let’s
us cruise forward and open our heart to enjoy each passing phase.
Wednesday, March 9, 2016
BEING A WOMEN.
BEING A WOMEN.
Yesterday
is “Women’s Day” . Being a woman depends very much of how one person look at
herself of being that woman. In today scenerio, we have women who are no less
than any super hero who can attend to anything, anywhere with ease, we have
women, who are born a princess life who have anything to be done in accordance
to their wish, we have women who dedicate their life for the betterment of
human race and we have women who push the boundaries of success in every
fields. No matter which type of women you are, we all face almost the same
journey of being a woman.
We
look around us and tell our self to be strong. Strong for our family, strong for
our career, strong for your children and strong for your ideas. Strong
sometimes is not enough as we have to be physically strong too as we cannot
afford to fell sick, if anything happened to us, what is going to happened to
our family. We have to be strong as we don’t wait for anyone to help us.
We
have to be patient, we wait, we observe, and, we move and act accordingly. We
are very patient with our parents, our children, our colleagues, our clients and
our bosses. We have to be patient as we are determine to do the best.
We
are flexible in whatever we do. We try our best to adjust here, there and
everywhere. We adjust our thinking, our concept, our ideas, our want, our
desire and our life. Only the survivor can be that adaptable.
Are
we feeling tired ? No ! As most of us will utilized all these mechanism and
fomula again and again in our life….. as this is the beauty of being a WOMAN !
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