tag:blogger.com,1999:blog-16988331256350901482024-03-13T10:39:41.620+08:00Wealth For MeAnu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.comBlogger15125tag:blogger.com,1999:blog-1698833125635090148.post-63036308561025789952010-11-10T15:01:00.008+08:002010-11-10T15:19:37.018+08:00Love<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_a44d3X3TFxA/TNpGNmp1aYI/AAAAAAAAADc/iEmbVRAnrdQ/s1600/cute_little_emo_anime_figure_by_sephy4ever.jpg"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 377px; height: 400px;" src="http://4.bp.blogspot.com/_a44d3X3TFxA/TNpGNmp1aYI/AAAAAAAAADc/iEmbVRAnrdQ/s400/cute_little_emo_anime_figure_by_sephy4ever.jpg" alt="" id="BLOGGER_PHOTO_ID_5537815891333704066" border="0" /></a><br /><img src="file:///C:/Users/user/AppData/Local/Temp/moz-screenshot.png" alt="" /><br /><br />People say it is love when:<br /><br /><ul><li><strong><span>You find a guy who calls you beautiful instead of hot</span></strong></li><li><strong><span>Who calls yo<span class="text_exposed_hide"></span><span class="text_exposed_show">u back when you hang up on him</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who will lie under the stars and listen to your heartbeat</span></span></strong></li><li><strong><span><span class="text_exposed_show">Will stay awake just to watch you sleep</span></span></strong></li><li><strong><span><span class="text_exposed_show">The boy who kisses your forehead</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who wants to show you off to the world when you are in sweats</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who holds your hand in front of his friends</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who thinks you' re just as pretty without makeup on</span></span></strong></li><li><strong><span><span class="text_exposed_show">One who is constantly reminding you of how much he cares and how lucky he is to have YOU</span></span></strong></li><li><strong><span><span class="text_exposed_show">The one who turns to his friends and says, that's her... </span></span></strong></li></ul><br /><div style="text-align: center;"><a href="http://1.bp.blogspot.com/_a44d3X3TFxA/TNpGf0nltWI/AAAAAAAAADk/g_1DbsMH2mQ/s1600/panuelprince_1246902834_1-love%252Csunset%252Cgirl%252Cboy%252Cromance%252Ccute%252Cflower%252Cgift-57b071b3aa1708439cafc0066a090c3c_m.jpg"><img style="cursor: pointer; width: 192px; height: 164px;" src="http://1.bp.blogspot.com/_a44d3X3TFxA/TNpGf0nltWI/AAAAAAAAADk/g_1DbsMH2mQ/s400/panuelprince_1246902834_1-love%252Csunset%252Cgirl%252Cboy%252Cromance%252Ccute%252Cflower%252Cgift-57b071b3aa1708439cafc0066a090c3c_m.jpg" alt="" id="BLOGGER_PHOTO_ID_5537816204320028002" border="0" /></a><br /></div>I say its love when:<br /><br /><br /><ul><li><strong><span> You find a guy who calls you beautiful AND hot<br /></span></strong></li><li><strong><span>Who insists on meeting you face to face<span class="text_exposed_show"> when you hang up on him</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who will lie under the stars and listen to your heartbeat<br /> </span></span></strong></li><li><strong><span><span class="text_exposed_show">Who will put asleep on his lap and stay awake just to watch you sleep</span></span></strong></li><li><strong><span><span class="text_exposed_show">The boy who kisses your forehead</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who wants to show you off to the world when you are in sweats</span></span></strong></li><li><strong><span><span class="text_exposed_show">Who holds your hand in front of ANYONE<br /> </span></span></strong></li><li><strong><span><span class="text_exposed_show">Who thinks you' re just as pretty without makeup on</span></span></strong></li><li><strong><span><span class="text_exposed_show">One who is constantly reminding you of how much he cares and how lucky he is to have YOU, AND shows that you mean the WORLD to him<br /> </span></span></strong></li><li><strong><span><span class="text_exposed_show">The one who turns to his friends AND FAMILY and says, that's her... </span></span></strong></li></ul><br /><br /><div style="text-align: center;"><a href="http://2.bp.blogspot.com/_a44d3X3TFxA/TNpHQAhljVI/AAAAAAAAADs/gsXoRtvekBc/s1600/15144Couples.jpg"><img style="cursor: pointer; width: 350px; height: 231px;" src="http://2.bp.blogspot.com/_a44d3X3TFxA/TNpHQAhljVI/AAAAAAAAADs/gsXoRtvekBc/s400/15144Couples.jpg" alt="" id="BLOGGER_PHOTO_ID_5537817032149798226" border="0" /></a><br /><br /><br /><br /></div>Any more? Please add in the comments column!<br /><br /><br /><br />P/S: I think the 3rd picture incredibly cute!!!<br />Wat ya think?<br /><br /><br /><br /><br /><3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3 <3Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com1tag:blogger.com,1999:blog-1698833125635090148.post-16736401865676917392010-11-10T00:59:00.006+08:002010-11-10T01:32:16.402+08:00SupeRsTar RajNi!<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_a44d3X3TFxA/TNmEwnnydyI/AAAAAAAAADU/4mjo7jfuDrM/s1600/enthiran_movie_wallpapers_6.jpeg"><img style="text-align: justify;display: block; margin-top: 0px; margin-right: auto; margin-bottom: 10px; margin-left: auto; cursor: pointer; width: 400px; height: 315px; " src="http://4.bp.blogspot.com/_a44d3X3TFxA/TNmEwnnydyI/AAAAAAAAADU/4mjo7jfuDrM/s400/enthiran_movie_wallpapers_6.jpeg" border="0" alt="" id="BLOGGER_PHOTO_ID_5537603187633190690" /></a><div style="text-align: justify;"><br /></div><div style="text-align: justify;">I shall dedicate this post to my favorite, most admired human being: Superstar Rajnikanth!</div><div><div style="text-align: justify;">=)</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">And also, to my beloved cousin, Yashree who asked me, the other day: 'Why do u like him so much?'...</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">At that time, I couldn't find the right words to describe him. In my opinion, actors come and go. There is this era of glory and downfall for each actor. However, my fondness of this particular actor has not faded away, since... hmmm... I can't really remember since when...</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">I do not know why. Maybe the <i>style</i>, as everyone characterizes him. Maybe the <i>energy</i> and dedication he shows in each film despite his age (he is 60). He mesmerizes everyone with his simplicity. He is not that good looking, but he is VERY comfortable of his own skin. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"> He is a man of wisdom; In his interviews, the words he use, the involvement and the knowledge clearly shows that. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">He speaks of useful things, not just for the sake of finishing the interviews, like some of the actor does. Despite his wealth, he prefers <i>simple</i> clothing and simple life. He said once that 'Spiritual is all about breaking one's ego'. That's so true in this world nowadays. People deceive each other, in a world full of possessiveness and jealousy. </div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">We all know that many actors come up by sheer <i>hard work</i>, the case is same for this man too... He was a bus conductor and did many other minor jobs to earn a living. He got offers to act (mostly negative ones), but he, with his charming aura, took place in many people's heart, and then his life changing act as hero entails.</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;">Not forgetting his dedication and involvement in each scene (watched that in the Making of Enthiran). Wish could meet him in person!!!</div><div style="text-align: justify;"><br /></div><div style="text-align: justify;"><br /></div></div>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-19993471396880841862010-11-09T20:40:00.005+08:002010-11-09T21:00:47.679+08:00Diwali - Festival of Lights<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://3.bp.blogspot.com/_a44d3X3TFxA/TNlFCpylTnI/AAAAAAAAACU/1EX4oL_su-Y/s1600/P1010169.JPG"><img style="display: block; margin: 0px auto 10px; text-align: center; cursor: pointer; width: 320px; height: 240px;" src="http://3.bp.blogspot.com/_a44d3X3TFxA/TNlFCpylTnI/AAAAAAAAACU/1EX4oL_su-Y/s320/P1010169.JPG" alt="" id="BLOGGER_PHOTO_ID_5537533128708804210" border="0" /></a><br />On 5th of Nov, Hindus from all over the world celebrate this auspicious day, also known as festival of lights.<br /><br />Hindus regard this day as victory of good over evil, a symbol of good luck in the coming years. This day, usually marks the end of 'red chip' in our mind, which consists of anger, jealousy, lust, and other negative traits.<br /><br />For me, this day has always been a very important day for our family gathering. During the Diwali eve, we would have a big gathering in my grandmothers house, and you can guess it. Its then fun-filled with laughter and joy.<br /><br />We would gossip, chit-chat and then DANCE!! My cousies and I used to organize activities such as quizzes, games, etc, but we stopped it due to unavoidable circumstances.<br />=p<br /><br />I always look forward to this day of the year, because this is the only day my totally busy cousins would gather! And boy, whenever I m back in UTM, I do miss them a lot!!!Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-11761034656280432402010-01-20T17:07:00.001+08:002010-01-20T17:08:45.186+08:00Reason on why you shouldn't visit a 5* Hotel<blockquote style="border-left: 2px solid rgb(16, 16, 255); padding-left: 5px; margin-left: 5px;"> <div style="font-family: times new roman,new york,times,serif; font-size: 12pt;"> <div style="font-family: times new roman,new york,times,serif; font-size: 12pt;">Question : "What would you like to have ..Fruit juice, Soda, Tea, Chocolate, Milo, or Coffee?"<br /><div dir="ltr"><br />Answer: "tea please"<br /><br />Question : " Ceylon tea, Herbal tea, Bush tea, Honey bush tea, Ice tea or green tea ?"<br /><br />Answer : "Ceylon tea "<br /><br />Question : "How would you like it ? black or white ?"<br /><br />Answer: "white"<br /><br />Question: "Milk, Whitener, or Condensed milk ?"<br /><br />Answer: "With milk "<br /><br />Question: "Goat milk, Camel milk or cow milk"<br /><br />Answer: "With cow milk please.<br /><br />Question: " Milk from Freeze land cow or Afrikaner cow?"<br /><br />Answer: " Um, I'll take it black. "<br /><br />Question: " Would you like it with sweetener, sugar or honey?"<br /><br />Answer: "With sugar"<br /><br />Question: " Beet sugar or cane sugar ?"<br /><br />Answer: "Cane sugar "<br /><br />Question:" White , brown or yellow sugar ?"<br /><br />Answer: "Forget about tea just give me a glass of water instead."<br /><br />Question: "Mineral water or still water ? "<br /><br />Answer: "Mineral water"<br /><br />Question: "Flavored or non-flavored ?"<br /><br />Answer: "I'll rather die of thirst<br /><br /><br />=p<br /></div></div></div></blockquote>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-63024138228299193402010-01-20T17:04:00.000+08:002010-01-20T17:04:05.981+08:00Dumbest Things You Do With Your Money - CBS MoneyWatch.com<a href="http://moneywatch.bnet.com/saving-money/article/dumbest-things-you-do-with-your-money/365768/">Dumbest Things You Do With Your Money - CBS MoneyWatch.com</a>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-88605034352635398852010-01-10T00:36:00.000+08:002010-01-10T00:36:07.714+08:00Dr. Honey: Positive Affirmations to Boost Confidence<a href="http://dochoney.blogspot.com/2010/01/positive-affirmations-to-boost.html">Dr. Honey: Positive Affirmations to Boost Confidence</a>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-34114179493994528242010-01-04T21:43:00.000+08:002010-01-04T21:43:15.966+08:00the_annual_youth_career_survey_2009.pdf (application/pdf Object)<a href="http://my.jobstreet.com/announcement/2009/d/pic/the_annual_youth_career_survey_2009.pdf">the_annual_youth_career_survey_2009.pdf (application/pdf Object)</a>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-69011648366903111142010-01-04T19:11:00.007+08:002010-01-04T21:04:01.968+08:00The Truth of Goat's MilkIn my class today, my lecturer stressed that goat's milk is the best drink for the mental health of students. He insists that the benefits are vast, yet very little known by us.<br /><br />This is because of the cow's milk is widely advertised, and therefore people assume that it is highly nutritional. This is a trick of advertising, he said. He also told us that the TRUTH needs to be revealed or forever our people would be darkness about health and nutrition.<br /><br />This made me curious and immediately googled info regarding this subject.<br /><br />Whart I found was amazing. Here are some of the benefits prominent in goat's milk:<br /><br /><ul><span class="df" style="font-size:100%;"><span class="df"><span class="df"><span class="df"><li><div align="justify"><span style="color: rgb(102, 255, 255);">Goat's milk is less allergic </span>- It does not contain the complex protein that stimulate allergic reactions to cow's milk.)</div></li><li> <div align="justify"><span style="color: rgb(255, 102, 102);"><span style="color: rgb(255, 102, 102);">Goat's milk does not suppress the immune system</span>.</span><br /></div> </li><li> <div align="justify"><span style="color: rgb(51, 255, 255);">Goat's milk is easier to digest than cow's milk </span>(An old statistic showed that goat's milk will digest in a baby's stomach in twenty minutes, whereas pasturized cow's milk takes eight hours. The difference is in the structure of the milk.)<br /></div> </li><li> <div align="justify"><span style="color: rgb(255, 102, 102);">Goat's milk has more buffering capacity than over the counter antacids.</span> (The USDA and Prairie View A&M University in Texas have confirmed that goat's milk has more acid-buffering capacity than cow's milk, soy infant formula, and nonprescription antacid drugs.)<br /></div> </li><li> <div align="justify"><span style="color: rgb(51, 255, 255);">Goat's milk alkalinizes the digestive system</span>. It actually contains an alkaline ash, and it does not produce acid in the intestinal system. Goat's milk helps to increase the pH of the blood stream because it is the dairy product highest in the amino acid L-glutamine. L-glutamine is an alkalinizing amino acid, often recommended by nutritionists.<br /></div></li><li><div align="justify"><span style="color: rgb(255, 102, 102);">Goat's milk contains twice the healthful medium-chain fatty acids</span><span style="color: rgb(255, 102, 102);">,</span> such as capric and caprylic acids, which are highly antimicrobial. (They actually killed the bacteria used to test for the presence of antibiotics in cow's milk!)</div></li><li><div align="justify"><span style="color: rgb(51, 255, 255);">Goat's milk does not product mucus;</span> it does not stimulate a defense response from the human immune system.</div></li><li><div align="justify"><span style="color: rgb(255, 102, 102);">Goat's milk is a rich source of the trace mineral selenium</span><span style="color: rgb(255, 102, 102);">, </span>a necessary nutrient, however, for its immune modulation and antioxidant properties.</div></li></span></span></span></span></ul><div style="text-align: justify;"><div style="font-weight: bold;font-family:georgia;"><span class="df" style="font-size:100%;">How Breast Milk Protects Newborns" chart compiled by <strong>White Egret Farm</strong></span><span style="font-size:100%;"><br /></span><span class="df" style="font-size:100%;">Modified from Newman, J., Scientific American, December 1995</span></div><div> </div></div><div> </div><p><table style="width: 410px; height: 910px;" border="1" cellpadding="1" cellspacing="0"> <tbody> <tr style="color: rgb(255, 255, 102);" valign="top" align="left"> <td style="text-align: center;" colspan="6"><span style="font-size:85%;">Raw Goat's Milk, Breast Milk vs Retail Cow's Milk, Infant Formula</span></td> </tr><tr> <td bg="" style="color: rgb(255, 0, 0);"><span style="font-size:85%;">Component </span></td><td bg="" style="color: rgb(255, 0, 0);"><span style="font-size:85%;">Action </span></td><td bg="" style="color: rgb(255, 0, 0);" width="10"><span style="font-size:85%;">Brst Milk </span></td><td bg="" style="color: rgb(255, 0, 0);" width="10"><span style="font-size:85%;">Goat Milk </span></td><td bg="" style="color: rgb(255, 0, 0);" width="10"><span style="font-size:85%;">Cow Milk </span></td><td style="color: rgb(255, 0, 0);" width="10" bgcolor="#bfb2d3">Inft Frm</td> </tr><tr> <td><span style="font-size:85%;">â_lymphocytes </span></td><td><span style="font-size:85%;">Produce antibodies, which target harmful microbes </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Macrophages </span></td><td style="text-align: left;"><span style="font-size:85%;">Immune cells, which kill microbes in baby's gut; produce lysozyme, an enzyme, which digest the cell walls of harmful bacteria and activate other componenets of the immune system </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Neutrophils </span></td><td><span style="font-size:85%;">White blood cells, which may ingest bacteria in baby's digestive system </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;"><i>T</i>_lymphocytes </span></td><td><span style="font-size:85%;">Kill infected cells directly or send out 'alarms', which stimulate other parts of the immune system </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">IgA/IgG Secretory Antibodies </span></td><td><span style="font-size:85%;">Prevent microbes in the intestine from invading other tissues </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">B-12 binding protein </span></td><td><span style="font-size:85%;">Reduces vitamin B12 in the colon; a vitamin, which harmful bacteria need for growth </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Bifidus factor </span></td><td><span style="font-size:85%;">Promotes growth of Lactobacillus bifidus, a helpful bacterium in baby's gut, which helps crowd out dangerous germs </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Fatty acids </span></td><td><span style="font-size:85%;">Disrupt membranes of viruses and destroys them </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle">X</td> </tr><tr> <td><span style="font-size:85%;">Fibronectin </span></td><td><span style="font-size:85%;">Increases antimicrobial activity of macrophages and helps to repair damaged tissures </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Gamma-Interferon </span></td><td><span style="font-size:85%;">Enhances antimicrobial activity of immune cells </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Lactoferrin </span></td><td><span style="font-size:85%;">Binds to iron, making it unavailable for germs </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Lysozyme </span></td><td><span style="font-size:85%;">Kills germs by disrupting their cell walls </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td> <span style="font-size:85%;"><br /></span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Mucins & Oligosaccharides </span></td><td><span style="font-size:85%;">Bind to bacteria and viruses, prventing them from attaching to baby's, gut; encourage growth of friendly bacteria </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td><br /></td> </tr><tr> <td><span style="font-size:85%;">Hormones and Growth factors </span></td><td><span style="font-size:85%;">Stimulate baby's digestive tract to mature and seal itself, reducing risk of infection </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td align="middle"><span style="font-size:85%;">X </span></td><td><br /></td></tr></tbody></table></p><br />For in depth in-depth nutritional profile, follow this link: <span style="font-style: italic;">http://www.whfoods.com/genpage.php?tname=nutrientprofile&dbid=56 </span><br /><br />But, they do not they sell goat's milk in the supermarket (Malaysia). It is difficult to find them, isn't it?Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-28048206906918882382010-01-03T19:41:00.003+08:002010-01-04T21:15:07.202+08:00How to save more time in a day?<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://4.bp.blogspot.com/_a44d3X3TFxA/S0CEFMaZ7MI/AAAAAAAAABg/x8b4HTyoLUs/s1600-h/daylight-savings-time.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 310px; height: 320px;" src="http://4.bp.blogspot.com/_a44d3X3TFxA/S0CEFMaZ7MI/AAAAAAAAABg/x8b4HTyoLUs/s320/daylight-savings-time.jpg" alt="" id="BLOGGER_PHOTO_ID_5422479176120265922" border="0" /></a><br /><p>We all need more time in the day, but short of waving a magic wand to stop time or creating more hours in the day, the only thing we can do is run around in a mad rush to get everything done, right? Wrong.</p> <p style="color: rgb(51, 255, 255);">It is possible to accomplish more in a shorter amount of time – and all with less stress! It only takes discipline, focus and learning to say “no.”</p> <p><span style="color: rgb(204, 51, 204);">Discipline: to eliminate (or outsource) internet “surfing” —</span><br /><span style="color: rgb(102, 102, 204);">Focus: to tackle tasks with efficiency — and</span><br /><span style="color: rgb(255, 102, 0);">No: to extra things with no value that add to an already crazy schedule.</span></p> <p>Without further ado, here are 10 tips on how to save two hours per day (while regaining your sanity)…</p> <ol><li><span style="color: rgb(255, 102, 102);">Check e-mail only at specific times</span> — Of all the time consuming tasks each day, this one has to take the cake. As I’m living prove, you can easily save 2 hours per day just on this one task by implementing a two rules: 1. Save the personal e-mails for off-work hours. 2. Establish set times to check e-mails, preferably twice a day max. <p>Even better yet, hire assistants and have them filter your e-mail messages, only forwarding the essentials. </p></li><li><span style="color: rgb(51, 255, 51);">Use a daily planner</span> — This can take a little getting used to, but it’s worth it. Include everything in your daily planner… appointments, “to-do’s,” and phone calls. Be sure to add travel times and an extra 15 minutes on the end of everything for a buffer. You’ll be surprised when you have time left over at the end of the day.</li><li><span style="color: rgb(255, 102, 102);">Focus, Focus, Focus</span> — It’s easy to get stuck in the trap of multi-tasking only to spend the entire day scrambling. Concentrate on completing the tasks at hand until it’s done, and then move on to the next, again, until it’s done.</li><li><span style="color: rgb(51, 255, 51);">Avoid personal phone calls during work hours</span> — We all love our friends, but we have to make a living. At the end of the day, our friends don’t pay our bills, so reserve working hours for Internet business only and call friends after work.</li><li><span style="color: rgb(255, 102, 102);">Learn to wrangle in “needless conversation”</span> — We’ve all been victim to the occasional rambling co-worker or employee. Be tactful and courteous, while gently leading the conversation to its purpose and conclusion.</li><li><span style="color: rgb(51, 255, 51);">Consider different working hours </span>— These days, people sit in traffic every day all around the world. In case you still have and need to get to a day job, consider alternative times when getting to and going home from the office will not be spent in traffic. Did you know the average person spends 38 hours per year in traffic? Glad that excludes me!</li><li><span style="color: rgb(255, 102, 102);">Consider telecommuting from home</span> — More and more people are working from home either full-time or part-time. Eliminating the drive to the office just one day a week could save time and money.</li><li><span style="color: rgb(51, 255, 51);">Give up the TiVo</span> — I talked about this a few times already… The tube is everyone’s friend : – ) but it also takes up valuable time. Reducing time spent in front of the TV allows for the time to do so many other things—like building your Internet business!</li><li><span style="color: rgb(255, 102, 102);">Switch it up </span>— Try a new routine. Talk to friends, co-workers, business associates—or better yet, a Mentor. Ask them how they save time and balance life with a demanding schedule; they might just provide a gem of a tip.</li><li><span style="color: rgb(51, 255, 51);">Plan the next day the night before</span> — Before going to bed, go over your daily planner for the next day. The mind is amazing at accomplishing goals, and while you’re sleeping it will be working everything out to save even more time and increase productivity. This 10th tip is well worth a separate post as it can give you another 2 hours per day. So stay tuned!</li></ol> <p>There you have it.</p> <p>Now, the goal is to pick the one that you like most and implement it. <span style="font-style: italic;">Don’t play with all 10 by “trying” here and there a bit.</span> Instead, choose the one tip that you think brings the most rewards in terms of saving two hours per day and act upon it to its fullest.</p> <p>Then and only then pick another one with the aforementioned approach.</p><div id="TixyyLink" style="border: medium none ; overflow: hidden; text-decoration: none;color:transparent;"> <span style="font-style: italic;">This article is a courtesy of Marcus Hochstadt from his blog</span><br /></div>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-7502485392521996292010-01-01T13:48:00.005+08:002010-11-10T00:27:15.237+08:00WONDERFUL STORY<span style="font-size:180%;"><a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://2.bp.blogspot.com/_a44d3X3TFxA/Sz2QJ6sXZ3I/AAAAAAAAABY/6JfWEvdbgRg/s1600-h/Paint_Your_Love.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 320px; height: 240px;" src="http://2.bp.blogspot.com/_a44d3X3TFxA/Sz2QJ6sXZ3I/AAAAAAAAABY/6JfWEvdbgRg/s320/Paint_Your_Love.jpg" alt="" id="BLOGGER_PHOTO_ID_5421648026472507250" border="0" /></a><br /></span><span style="color: rgb(204, 204, 255);font-family:trebuchet ms;font-size:180%;color:navy;">A woman came out of her house and saw 3 old men with long white beards sitting in her front yard. She did not recognize them. She said 'I don't think I know you, but you must be hungry. Please come in and have something to eat.'</span><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /><br /><br /><br /></span> </p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br /></span><span style="font-size:180%;"><br /><br /></span><span style="font-size:180%;"><br />'Is the man of the house home?', they asked.</span><span style="font-size:180%;"> </span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br /><br />'No', she replied. 'He's out..'</span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 29px;"><br /></span></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span><span class="Apple-style-span" style="font-size: 180%;">'Then we cannot come in', they replied.</span></span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 29px;"><br /></span></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br /><br />In the evening when her husband came home, she told him what had happened.<br /><br />'Go tell them I am home and invite them in!'<br />The woman went out and invited the men in'</span><span style="font-size:180%;"> </span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 29px;"><br /></span></span><br /></span> </p><div style="color: rgb(204, 204, 255);font-family:trebuchet ms;"> <p class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br />'We do not go into a House together,' they replied.</span><span style="font-size:180%;"> </span></p></div> <p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br /></span><span style="font-size:180%;"><br />'Why is that?' she asked.</span><span style="font-size:180%;"> </span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /></span><span style="font-size:180%;"><br /></span> </p><div style="color: rgb(204, 204, 255);font-family:trebuchet ms;"> <p class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br />One of the old men explained: 'His name is Wealth,' he said pointing to one of his friends, and said pointing to another one, 'He is Success, and I am Love.' Then he added, 'Now go in and discuss with your husband which one of us you want in your home.'</span><span style="font-size:180%;"> </span></p></div> <p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /><br /></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br /><br />The woman went in and told her husband what was said. Her husband was overjoyed. 'How nice!!', he said. 'Since that is the case, let us invite Wealth. Let him come and fill our home with wealth!'</span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 29px;"><br /></span></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;">His wife disagreed. 'My dear, why don't we invite Success?'</span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span style="font-size:180%;"><br /><br />Their daughter-in-law was listening from the other corner of the house. She jumped in with her own suggestion: 'Would it not be better to invite Love? Our home will then be filled with love!'</span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /><br /><br /><br /></span></p><p style="color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal"><span><span class="Apple-style-span" style="font-size: 180%;">'Let us heed our daughter-in-law's advice,' said the husband to his wife.</span><br /><br /><span class="Apple-style-span" style="font-size: 180%;">'Go out and invite Love to be our guest.'</span><br /><br /><span class="Apple-style-span" style="font-size: 180%;">The woman went out and asked the 3 old men, 'Which one of you is Love? Please come in and be our guest.'</span></span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /><br /><br /></span></p><p face="trebuchet ms" style="color: rgb(204, 204, 255);" class="ecxecxecxecxMsoNormal"><span><br /><span class="Apple-style-span" style="font-size: 180%;">Love got up and started walking toward the house. The other 2 also got up and followed him. Surprised, the lady asked Wealth and Success: 'I only invited Love, Why are you coming in?'</span></span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span style="font-size:180%;"><br /><br /><br /><br /></span></p><p style="font-family: trebuchet ms; color: rgb(204, 204, 255);" class="ecxecxecxecxMsoNormal"><span><span class="Apple-style-span" style="font-size: 180%;">The old men replied together: 'If you had invited Wealth or Success, the other two of us would've stayed out, but since you invited Love, wherever He goes, we go with him. Wherever there is Love, there is also Wealth and Success!!!!!!'</span></span> </p><p style="text-align: center; color: rgb(204, 204, 255);font-family:trebuchet ms;" class="ecxecxecxecxMsoNormal" align="center"><span><span class="Apple-style-span" ><span class="Apple-style-span" style="font-size: 29px;"><br /></span></span></span></p><p style="text-align: center; font-family: trebuchet ms; color: rgb(204, 204, 255);" class="ecxecxecxecxMsoNormal" align="center"><span style="color: rgb(255, 204, 204);font-size:180%;"><span style="font-weight: bold; font-style: italic;">Wish you life full of love!</span></span><span style="font-size:180%;"><br /></span></p>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com2tag:blogger.com,1999:blog-1698833125635090148.post-75120547808542183032009-12-31T21:48:00.000+08:002009-12-31T21:48:39.613+08:00Dr. Honey: Time Of Love<a href="http://dochoney.blogspot.com/2009/12/time-of-love.html">Dr. Honey: Time Of Love</a>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-64758147072817451342009-12-31T21:44:00.000+08:002009-12-31T21:44:04.550+08:00Dr. Honey: The Five Love Languages<a href="http://dochoney.blogspot.com/2009/12/five-love-languages.html?sms_ss=blogger">Dr. Honey: The Five Love Languages</a>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-15966463649761617312009-12-31T19:22:00.000+08:002009-12-31T20:05:40.397+08:00Achieve Tranquility in 5 steps<a onblur="try {parent.deselectBloggerImageGracefully();} catch(e) {}" href="http://1.bp.blogspot.com/_a44d3X3TFxA/SzyTYP_uVFI/AAAAAAAAABI/3c-ew5wejGk/s1600-h/Tranquility_Wallpaper_by_lee25.jpg"><img style="margin: 0px auto 10px; display: block; text-align: center; cursor: pointer; width: 300px; height: 300px;" src="http://1.bp.blogspot.com/_a44d3X3TFxA/SzyTYP_uVFI/AAAAAAAAABI/3c-ew5wejGk/s320/Tranquility_Wallpaper_by_lee25.jpg" alt="" id="BLOGGER_PHOTO_ID_5421370096267187282" border="0" /></a><br /><span style="color: rgb(204, 204, 255);font-family:georgia;font-size:130%;" ><span style="font-style: italic;">Hi everyone. I would like to share with you tips on relaxation because I believe that everyone should have gone through the 'stress' phase. However unavoidable, it could certainly be reduced.</span></span><span style="font-weight: bold; font-family: georgia; color: rgb(51, 255, 51);font-size:130%;" ><br /><br />1) Get in tune with your spiritual self</span><br /><span style="font-family:georgia;">Accept that there are events that you cannot control. Do not blame yourself for everything that happens or do not happen. Accept that you have done what should be done and if things didn’t work out as you plan, its fine. We are human beings after all, not GOD.</span> <span style="font-weight: bold; font-family: georgia; color: rgb(255, 255, 51);font-size:130%;" ><br /><br />2) Go for massage/ reflexology</span> <span style="font-family:georgia;"><br />This really worked for me!</span> <span style="font-weight: bold; font-family: georgia; color: rgb(51, 255, 51);font-size:130%;" ><br /><br />3) Sleep well</span> <span style="font-family:georgia;"><br />For those have trouble sleeping, you can follow these tips <span style="font-style: italic;">(from my experience):</span></span><br /><span style="font-family:georgia;">=p</span> <ul><li><span style="font-family:georgia;">Do not entertain unwanted thoughts</span></li><li><span style="font-family:georgia;">Listen to a soothing music</span></li><li><span style="font-family:georgia;">Have a glass of warm water / warm milk</span></li><li><span style="font-family:georgia;">Buy yourself comfortable, loose fitting nightwear</span></li><li><span style="font-family:georgia;">Switch off all the lights (even dimmed lights could disrupt your sleep)</span></li><li><span style="font-family:georgia;">Light up lavender incense, it is known to calm you and helps you to get good rest.</span></li></ul> <span style="font-weight: bold; font-family: georgia; color: rgb(255, 255, 51);font-size:130%;" >4) Eat moderately</span> <span style="font-family:georgia;"><br />Do not eat until you feel full. Eat until you don’t feel hungry anymore. Not only you can reduce your waistline, it can promote healthy blood circulation, which would hinder stress.</span> <span style="font-weight: bold; font-family: georgia; color: rgb(51, 255, 51);font-size:130%;" ><br /><br />5) Reduce smoking and drinking (alcohol)</span> <span style="font-family:georgia;"><br />This is a temporary solution for avoiding stress. Remember, by avoiding problems, you can’t solve it. But learn to confront and deal with it.</span> <span style="font-weight: bold; font-family: georgia; color: rgb(204, 255, 255); font-style: italic;font-size:100%;" ><br /><br />These all tips based on my experience or my friends, but if you would like to add on, please do comment in the column below.</span> <span style="font-style: italic; color: rgb(102, 255, 255); font-weight: bold;font-family:georgia;" ><br /><br />Have a great year ahead guys!</span> <span style="color: rgb(51, 255, 255); font-weight: bold;">=)</span>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-53019071311923077002009-12-29T12:58:00.000+08:002009-12-29T13:39:28.542+08:00What should you know before getting yourself an unit trust?<meta equiv="Content-Type" content="text/html; charset=utf-8"><meta name="ProgId" content="Word.Document"><meta name="Generator" content="Microsoft Word 12"><meta name="Originator" content="Microsoft 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mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} a:link, span.MsoHyperlink {mso-style-priority:99; color:blue; mso-themecolor:hyperlink; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:purple; mso-themecolor:followedhyperlink; text-decoration:underline; text-underline:single;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;} .MsoPapDefault {mso-style-type:export-only; margin-bottom:10.0pt; line-height:115%;} @page Section1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.Section1 {page:Section1;} --> </style><!--[if gte mso 10]> <style> /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin;} </style> <![endif]--> <p style="color: rgb(255, 0, 0);" class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" >1) Your risk tolerance factor</span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >What is your risk tolerance factor? It is a combination of how much money you can afford to lose, your financial goal, investment time-frame, etc etc. Remember, a higher return comes with higher risk. There are few links (such as below) that can assess your risk tolerance factor. You can try them:</span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" ><a href="http://www.kipbiz.org/tools/riskfind.html">http://www.kipbiz.org/tools/riskfind.html</a></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" ><a href="http://www.fmncc.com/content.cfm?ContentID=128">http://www.fmncc.com/content.cfm?ContentID=128</a></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" ><a href="http://www.mmhabits.com/determine-your-investment-risk-tolerance/">http://www.mmhabits.com/determine-your-investment-risk-tolerance/</a></span></p> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >Usually in every unit trust portfolio, there is determination of its risk. You can get in from the Fund’s website. For example, Public Mutual’s China Ittikal Fund has been categorised as Aggressive (High Risk). Knowing that your risk tolerance is high, therefore, you can choose your fund with more confidence. If you risk tolerance factor is low, you might not consider investing in the particular fund.</span></p> <p class="MsoNormal"> <!--[if !supportLineBreakNewLine]--> <!--[endif]--><span style="font-size:130%;"><o:p></o:p></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" ><u4:p></u4:p><span style="color: rgb(255, 0, 0);">2) Your financial goal</span></span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >Are you planning to buy a car, house, marriage or planning for retirement? How many years do you need to achieve your goal? This could have indirect impact on your investment. Take note that Unit Trust is most suitable for the medium to long-term investment. It means, for short-term investment, you can invest but can’t expect the money to double or gain a very high divident, etc.</span></p> <p class="MsoNormal"><span style="line-height: 115%;font-size:130%;" > <!--[if !supportLineBreakNewLine]--> <!--[endif]--></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p style="color: rgb(255, 0, 0);" class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" >3) The promotional period</span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >Usually, newly launched fund have promotional period, whereby the price would be quite low compared to rest and the service charge would also be lowered. Be sure to ask your Unit Trust Consultant regarding the current and upcoming promotional period. This would also ensure that you abide by the ‘Buy when low, Sell when high’ rule.</span></p> <p class="MsoNormal"> <!--[if !supportLineBreakNewLine]--> <!--[endif]--><span style="font-size:130%;"><o:p></o:p></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" ><u4:p></u4:p><span style="color: rgb(255, 0, 0);">4) Mutual Funds do have extra charges.</span></span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >There are fees applicable for investing in a unit trust, and these will vary depending on where you decide to invest. You need to make sure you do your homework before investing in any one particular trust, so you know what to expect. Once you have done that you can organise your investment and keep an eye on it to see how well it performs on a regular basis. </span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >The dividend income received by the unit trust fund is also subject to tax, however capital gains are generally tax-exempted. You should consult an independent tax consultant to enquire details of related matter on taxation for investing in unit trust fund.</span></p> <p class="MsoNormal"> <!--[if !supportLineBreakNewLine]--> <!--[endif]--><span style="font-size:130%;"><o:p style="color: rgb(255, 0, 0);"></o:p></span></p> <span style="font-size:130%;"><u4:p style="color: rgb(255, 0, 0);"></u4:p></span> <p style="color: rgb(255, 0, 0);" class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" ><u4:p></u4:p>5) Get yourself an experienced financial consultant</span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >How to know whethet he is authorised or not? A registered UTC is issued with an Authorisation Card by FIMM which must be produced when approaching a potential client. If not, insist to see the same and ensure its validity.</span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >You should expect the UTC to deal with you in an open, honest and professional manner. The role of a UTC is to actively provide information during his “interview” with you and thereafter, on an <b><i>ongoing</i></b> <b><i>basis </i></b>to review your portfolio of unit trust investment as and when the economy or your personal circumstance changes. He should recommend portfolios that best suit your needs, personal circumstances and financial goals.</span></p> <p class="MsoNormal"> <!--[if !supportLineBreakNewLine]--> <!--[endif]--><span style="font-size:130%;"><o:p style="color: rgb(255, 0, 0);"></o:p></span></p> <span style="font-size:130%;"><u4:p style="color: rgb(255, 0, 0);"></u4:p></span> <p style="color: rgb(255, 0, 0);" class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" ><u4:p></u4:p>6) Know when to switch your fund</span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >Many of you may not realise there is a switching function. Yes, and learn how to use it. Therefore, when the tide rises, don’t just grin away. Remember, you won get the profit if you don’t sell. (Or, switch to another unit trust.) You may request the proceeds from the sale of your units to be reinvested in another unit trust fund offered by the same UTMC.</span></p> <p class="MsoNormal"> <!--[if !supportLineBreakNewLine]--> <!--[endif]--><span style="font-size:130%;"><o:p></o:p></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" ><u4:p></u4:p><span style="color: rgb(255, 0, 0);">7) Understand the complex terms</span></span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >Sometimes, the ‘complex’ terms may not be so complex after all. For example, One of the most common mutual fund terms is expense ratio. What does it mean? Expense ratio simply means the cost to operate your fund. This includes administrative fees, management fees and other expenses related to fund.</span></p> <p class="MsoNormal"> <!--[if !supportLineBreakNewLine]--> <!--[endif]--><span style="font-size:130%;"><o:p></o:p></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="font-size:130%;"><b><i><span style="line-height: 115%;font-family:";color:#0ed000;" ><u4:p></u4:p><span style="color: rgb(255, 0, 0);">8) EPF to Unit Trust</span></span></i></b></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;" >There is a scheme whereby you could transfer some of your EPF money to unit trusts. You may sell your unit trust fund at any time in the normal manner. However, the proceeds from the sale will be paid by the UTMC directly to EPF, to be re-credited into your Account 1.</span><span style="font-size:130%;"><o:p></o:p></span></p> <span style="font-size:130%;"><u4:p></u4:p></span> <p class="MsoNormal"><span style="line-height: 115%;font-family:";font-size:130%;color:#ffc000;" > <!--[if !supportLineBreakNewLine]--> <!--[endif]--><u4:p></u4:p></span><span style="color: rgb(255, 204, 0);font-size:130%;" ><o:p></o:p></span></p> <span style="font-size:130%;"><b><i><span style="line-height: 115%; color: rgb(255, 204, 0);"><u4:p>HAPPY INVESTING! </u4:p></span></i></b></span>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0tag:blogger.com,1999:blog-1698833125635090148.post-56472155223964130442009-12-28T22:07:00.000+08:002009-12-28T22:48:22.339+08:00Mutual Funds For MeIf you are considering investing several personal finance choices, you must have considered putting your money into a mutual fund.<br /><br /><span style="font-weight: bold; color: rgb(204, 0, 0);">Well, what exactly is a MUTUAL FUND?</span><br /><br /><em>Mutual Fund</em> is a group of selected stocks/bonds that are professionally picked by the fund manager. That's good news for amateurs since they do not need to have vast financial knowledge to pick the stocks/bonds since your fund manager does it for you! It is also very well known as unit trust, here in Malaysia.<br /><br /><span style="font-weight: bold; color: rgb(204, 0, 0);">The GOOD stuff</span><br /><br />1) Diversified - You can discuss with your fund manager to assess your risk tolerance so that he could choose the right picks for you!<br /><br />2) Peace of Mind - Assuming that our funds are managed by financial experts, we could at least have some ease of burden.<br /><br />3) Since inflation rate is about 3%-4%, it doesn't make sense to invest in FD, therefore the best bet would be Unit Trust (less risky than stocks, but higher dividend pay than FD)<br /><br />*I have read Irwan's blog and found this tip very useful:<br /><br />The Dollar Cost Averaging (DCA) theory suggests that <strong>smaller numbers of shares will be bought when the cost is high, while larger number of shares will be bought while the cost is low</strong>, thus <span style="font-style: italic;">reduce exposure to risk</span>. However, research has shown that <strong>investing a lump sum according to DCA principles generally results in worse performance as compared to investing the entire sum at one time</strong> (Constantinides).<strong> </strong><a title="http://wikipedia.org" target="_blank" href="http://en.wikipedia.org/wiki/Dollar_cost_averaging">-Wikipedia</a><br /><br />For next blog, I wish to compare and contrast Mutual Funds available in Malaysia. Hope you enjoyed my blog and <span style="font-style: italic;">HAPPY INVESTING, FRENZ!</span>Anu Chandranhttp://www.blogger.com/profile/15725985673445647379noreply@blogger.com0