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 ?





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).

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 !