Do we have enough funds to implement all those projects?… How is the rakyat… the peoples welfare going to be?… Will the poor group gets eliminated this time?… Any social security benefits to everyone?… Or is it going to benefits the few cronies only?… And why coal fired plants?… Still no green technology for us?… the rakyat… the commoner are going to suffer further with health risks?… Any healthcare benefits or are we all going to have to buy new life insurance… again?…

I had experienced back pain twice before… and it takes one or two weeks to heal… dang… this time it gonna cost me a paintball championship… the International Super Seven Championship 2010 on 22-23 May 2010… it worries me so much till pimples are popping out… I think I’m gonna need a blackhead remover at the same time…

Because it was so painful, i went for massage… it helps a little bit… but the next day, I think the pain of the massage was making my whole body painful… so on Saturday I went to see doctor… had an x-ray… and emm…. looks like it’s not a simple problem… since it has been going on for sometimes, there are some problem on the bones… and it cost me 300++ and still need about 750++ if I go for MRI… and another 20K++ if have to do operation… dang… health insurance is very important in this case…

I hope I will recover completely soon… and hope this problem never come back again… have to take care my weight and back…

And the worse thing… I can’t find my insurance policies… the whole file containing all my insurance thingy… life and auto insurance… I hope I just misplaced the file… it went missing at the same time as my passport and other certificates file the other day… I ransack the house and office and luckily found them stashed behind one of the drawers…

Now, it’s time for me to ransack the house and office again… I need to find it before the dateline… else I have to ask for new life and auto insurance quotes… that means more works and documents to deal with…

The more I scratch, the more itchy it feels… and it feels damm bloody good…

The itch are not on the surface of the skin but under. Although I scratch them so hard, the skins did not peeled off coz the palms and soles skins are very thick.

I don’t know what happen or how I got this itchy thingy… first I thought it was caused by the grass on the paintball field where I was taking photos under the hot sun for two days last week. But if it was the grass then my other skin should have rash or itch… but none.

Then I thought it could be the dirt, bugs or other stuff like horse urine I catch while taking photos at the Tembalang Horse Race Course two weeks ago, 28 February 2010… probably… probably some bugs or germ from the horse… and it took 2 weeks to incubate inside my soles or palms…

With the race course scoreboard keeper (above) With the race starter officers (below)

But then again it could be anything I ate a few days ago… and it caused allergies to my body… And I do have skin allergies but that was like 15 years ago… it was gone after I took injection 15 years ago.

I really need something… anything… to get rid of this itch…

So today, I went to Damai Specialist Hospital (DSH)… usually I go to Hill Top Clinic when I sick. But since this is something extreme, I decided to go to DSH. I went there around 11 am. Registered myself since this is the first time I went there. But since there was 10 people ahead of me I only gave my urine and blood and decided to go somewhere else coz the nurse said it might take 2 – 3 hours for the doctor to finish the queue…

They called me back around 3pm… and within 10 minutes I was at DSH again. But I have to wait another half hour or more after I reach there coz the doctor was still treating another patient.

The doctor recorded my case and even draw my hand but he don’t know how to draw… so he took out his little camera and snap my palms… but I still have to wait 5 days for his diagnosis… he gave me 3 types of medicines… and the lab, medicines, consultations and registration costs me RM339.75 I guess only beautiful site for life insurance will make me happy… and I’m going back for the review next Thursday, 18 March… I wish I can ask my insurance to foot the bills… 

When I look into my Wordpress plug-ins today, the cform seems to be not working when used in IE, but it works if used in Firefox… messages submitted through the contact forms are not delivered to my mailbox…

I guess I’ve lost many inquires or messages submitted through the contact form… for that I apologize to those who has submitted inquires or messages to me which I never replied.

Truly, it was never my intention not to reply if you ever sent any inquiry or message to me.

Now, instead of using forms for my contact, you can email me directly… I’ve updated my contact page where you can see my e-mail detail in it.

I hope by displaying my email address in the contact it will not invites unwanted emails… spam emails like Viagra pills, gambling, life insurance policy quote… phishing that I won 20 million dollars… etc… etc…

I wish I can find a good contact form plug-in for Wordpress coz contact form is much better… email address is not exposed to spam bots…

Millions of seniors who ask for insurance quote and signed up for the popular health plans through Medicare are facing the sharp premium increase this year. This show how unpredictable is the healthcare program even for those with solid insurance.

The seniors are the one who are really affected by the shocking premiums increase… especially those who did not shop around for lower-priced coverage during open enrollment in the fall got hit with some of the biggest increases, averaging 22 percent.

The world is getting harder to live in… even having a good healthcare insurance protection don’t really protect…

WOW… that’s like working 4 hours and 12 minutes only a day from Monday to Friday!!!

The foundation claimed in its report that the reduction in working hours would help ease unemployment and overwork… cool… less people will get stressed-out or gets nervous breakdown… but too bad to those selling mechanical breakdown insurance

The foundation is aware that by reducing the working hours people would earn less, but said they would have more time to carry out worthy tasks. They would have better scope to look after their children or other dependants, there would be more opportunity for civic duties, and older people could even delay retirement, the foundation said.

Well, I’m ready for that… but wonder when it will be implemented here…

Toyota is the only Japanese car I like… and I support their F1 team together with Mercedes F1… but unfortunately their F1 team will not be racing this year… same with few other teams which were hit by the world financial meltdown last year.

For the past two years, Toyota has been recalling its vehicles… and it has recalled millions already. They are top in sales but they are also top in recall!!!

But almost all the recalled vehicles are with Toyota US!!! Not here in Malaysia.

Last year they were having problem with floor mat which will slip and cause major safety on the driver’s handling. Now they are having safety issues on the gas pedal… and recently there is a possibility safety issue on the brake system!!! But not all models are affected… only some…

If you are owning any of the US Toyota vehicles which has been identified as having safety issues, I think if you need term life insurance or do not have any right now, you better get it now… else you just have to keep your Toyota in the garage or sell it off…

If Toyota keeps on recalling their vehicles, I’m scared they will vanish from the business very soon… I hope they can improve their safety standard or fix whatever problem they are having in the production line… I hope it is not caused by design flaw because Toyota has one of the best designs… hopefully it’s just caused by bad materials…

I always exceed the once in 3 months servicing schedule… coz my mileage within the 3 months period always less than 5,000 km… so I only service my car once in 5 months, once it has accumulated 5,000 km… although UMW Toyota said it’s not good for the engine, well, I don’t really care coz I’m using synthetic lubricant… lubricant from Toyota itself…

It’s going to be the first servicing for this year… and I must do the servicing before the Chinese New Year… which falls on 14 & 15 February… which also falls on Valentine Day… and luckily my road tax and insurance are still valid for another 8 months… so I don’t have to worry about auto insurance quote… else more money need to be spent next month

Income tax letter received… need time to fill the online income tax from now… annual housing loan statements received… time to renew the mortgage life insurance… time to renew all the other insurance too… including car insurance… road tax… everything needs money!!!

The only good things this month is getting statements from the PNB for the Amanah Saham… and the other unit trust fund managers… how I wish I don’t have to pay anything… just getting my salary every month…

A few weeks ago I collected a few bills from the mail box… yea, bills… that’s what I think of them all… one of it is from AIA… yea, AIA the insurance company where I bought all my insurance… and I’m sure it was bill…

So I, I tried to make time to go to AIA’s office at Karamunsing… and manage to spare some time last Friday during the lunch time. Getting parking at AIA’s office is easy, just enter their compound and double park…

I took a queue number and waited… when my number called, I went to the counter and show my ‘bill’ and said I want to pay the ‘bill’… the moment she look at the ‘bill’ she told me… ‘you don’t have to pay that, it just to inform u the premium has been paid’… o shoot… so bloody shy… shame… damm… I pretend I don’t know and said… oh, I was confused, it looks like bill… i forgot i’ve change to autopay using my credit card… bla bla bal… mumbling… mumbling…. shoot…

Why the heck insurance companies don’t provide online services like the bank? If they’ve provided the service, I should have not wasted my time and save my water face … With online services, I can check all my insurance status anytime… get an instant life insurance quote anytime… grrrrr… shame…

The photos were captured this morning around 10am along Penampang Road. The scaffoldings are used to do renovation on the old Land and Survey Department’s office near Queen Elizabeth Hospital… which is also in the process of being demolish.

If the safety net was not erected next to the building, the scaffolding definitely have fallen onto the road… imagine if there are few cars travelling along the road at 80 KM/h… sure there will be pile of cars sandwiched together!!!

I hope they have removed the scaffolding for everyone’s safety… the relevant authority in charge of safety should visit the site and give the contractor a hard lecture on safety…

Do you know that to erect or assemble the scaffoldings you need to go through a course and certification?

I fall down while trying to shift from one bunker to the other. It was the last match… it is actually an additional match after most of the other went back… only about 9 of us left and we decided to play 3 on 3.

My left trigger finger… index finger… was badly torn… coz I fall down and the trigger finger was absorbing my fall… holding my 95kg body weight!!! But lucky it did not brake to the opposite but instead get torn…

Went to clinic at Donggongon and had 5 stitches on it. Supposed to remove the stitches on 10th day, but I was away in KL for the Hacker Halted 2009… at the end I only manage to remove it on the 14th November at Medicare Clinic in Mid Valley, KL.

Then had it x-ray on Monday, 16th November, at the same clinic coz I was worried something might be broken inside… yea, should have x-ray it before it get stiched…

But anyway, I’m lucky nothing broken inside… except it is still swollen till now and still cant bend it completely.

Next, I need to do insurance quotes… errr.. insurance claim… I must get my insurance to refund me all the medical bills… and plus 2 weeks of allowance… probably RM150 per week…

Thanks to Donny who send me to the clinic and helping to take the photos inside the clinic…

The torn trigger finger

Not crying… just giving pressure to the arm to reduce pain while getting clean…

Stiching…

and stiching…

Stiched…

Getting anti-tetanus jab.

I really hate it when insurance agents call me and try to sell me insurance policy!!! When I asked them how they got hold of my contact number… they say from my colleague… dang colleague!!!… and these insurance agents always talk a lot… sometimes I just talk straight to their face telling them that I’m not interested buying anything.

They don’t have to waste their time and my time explaining something that I’m not considering buying!!! If I ever need any details about a particular insurance, I can always read it online from the internet… and I also can buy life insurance online without going through them!!!

Almost a month and I still have not done anything to it… the body slightly cracked and scratched… the screen panel open-up a little bit at the front and back…

I ask the shop and they said they can’t fix it because they don’t have parts to replace the broken part… it has to be sent to KL… damm… the only bonus is I still can use it…

I wonder if we can protect phone with insurance… anybody know if there is any insurance company out there who can give an insurance quote for hand phone?… Nowadays phone are very expensive… it is almost like a notebook… in fact it is a miniature notebook… mine runs on Microsoft Windows Mobile 6.1 so it is a notebook… a micro notebook… if I can insure my golf set, I don’t see why we can’t insure a phone… the price is as much as a professional golf set!!!

Anyway, Microsoft Windows Mobile 6.5 is coming… yipeee… I got an invitation… HTC Touch 2 & Windows Mobile 6.5 East Malaysia Launch… on this Thursday… 15th October 2009 at Le Meridien Kota Kinabalu from 6.00 pm to 11.00 pm… Dinner surely be served…

I hope I can get some info on the best option for me to fix my phone…

First, what is a social security disability benefit?

I believe only certain country has social security disability or SSD incorporated in their act like the United States.

Under the US federal Social Security Disability Act, “disability” is translated as “inability to engage in any substantial gainful activity by reason of any medically determinable physician or mental impairment which can be expected to last for a continuous period of not less than 12 months or result in death.”

Here, I guess, it is only available in insurance policies clause… yea… it really sounds more like an insurance policies clause to me…

I’m not really sure if the government is providing any benefits or aids in case of ‘inability’ as mentioned in the US act to any individual here. Of course there is a Welfare Department, but I guess the department is only responsible to issues like poor people…

But I think if there is a SSD benefits provided… I’m sure the are lots of ‘clever’ and ‘lazy’ people will take advantage and do fraud with it!

I’m not sure when was the rain started, but when we came out from Karamunsing Complex after class and having McDonald around 9pm, the rain was quite heavy.

Driving was quite difficult… the rain was too much and too heavy… my wiper can’t clear the rain drops on the windscreen… it was too much… although I have put it on the fastest speed.

I have to drive very slowly… but although it was a very heavy rain… I’m glad it rain heavily… in fact I’m hoping for it to rain… just small rain… throughout the night… but well the heavy rain was only around KK I guess… because when I reach near Donggonggon, the rain subside from there… it was only small rain in Donggonggon.

I enjoy driving during rain… coz it will be cooler, less smoke, nice ambient sound… and last night I was thinking if I was driving a motor home, I can just park at the roadside and enjoy the rain… coz I was quite tired… was tired for the past few days… always feel sleepy… probably I was bitten by tsetse mosquitoes But here, having a motor home is something alien… probably like District 9 and probably owning a motor home will cost lots of money for the motorhome insurance

Anyway, the haze was reduced tremendously this morning… I hope it’s going to rain again tonight…

The device is so cool that thieves or syndicates who have the device can walk away with any Toyota Hilux, Toyota Vios or Perodua Viva easily. The device is estimated to cost about RM15,000.00 each.

My assumption after reading the news statement by the police chief of Negeri Sembilan, Datuk Osman Salleh is most probably the device is to be used with the factory supplied alarm and immobilizer system.

Now the question is, if we are to temper the factory supplied car alarm and immobilizer system, will it make the car manufacturer’s warranty void? How about the car insurance? My guess is, it depends on how you are going to modify your car’s security system.

The usual method is to leave the manufacturer supplied car alarm and immobilizer system intake. Simply install a new car security system parallel with the existing security system. I guess by doing so, the car manufacturer’s warranty or car insurance will not get void… what say you?

I reach at the park’s parking area around 5pm but it was so crowded with cars… even spilled out to the main road… some parked at the road islands at the main road. My friends are also still looking for parking space on another car.

Well this is common in this area they said… parking spaces are not enough and so many people want to jog, climb the hill and eat at the restaurants and stalls. Maybe the relevant authorities should look into this problem. Further more this is a good place… a good park… even has a small water theme park.

Anyway, after we parked, we walk around the park, the same path I took last Sunday for the Borneo Downhill Challenge 2009. But, instead of using the path with steps I took last Sunday, our friend brought us into a small trail… which is more challenging to me coz there is no steps. And it also a bit dark coz it’s really going into the jungle. If you don’t have personal insurance, maybe it’s good to have term life insurance quotes first before doing this hiking… for first timer, I’m sure this is creepy… wild animal, insects, fall…

And I was followed by a bee… one bee… I don’t know why it keeps following me by hovering on my right hand… I really can feel the cold air caused by its wings. I tried my best to chase it away by not shocking it… scared it might sting me if it gets shocked… but it just doesn’t want to go away… I chased it twice… I even talked to the ‘jungle’ to leave me alone coz I just want to pass the area… and I wash my hand with the mineral water I carried and the bee suddenly disappear.

My friends was already far ahead. When I almost caught them, they said… R U OK? U looks so pale… I did not tell them anything, I just said I’m OK. I don’t what to tell them yet coz I don’t want the ‘jungle’ to hear me.

Once we reach the peak where there are many people enjoying the scenery, after getting my breath back, I told them about the incident… they did not say much. We must respect the…

Anyway the view is spectacular from here… this is really a good place to enjoy the sunset. I purposely bring my small camera… and manage to get some snaps

But there is a way to spare some for saving while getting protected at the same time. Everyone hates income tax, but do you know that you can Save Money on Insurance? Yes, you can and you are not wasting your money paying the insurance premiums. You can reduce your taxable income through your insurance premiums. The more you pay for insurance premiums, the more you can deduct on your taxable income.

You can get Family Insurance for the whole family and get more deductions on your taxable income at the end of the year. So, getting insurance for you and your family is not a bad idea you know and there are many types of insurance policy available to choose such as Cash Back Life Insurance.