(Part 1) Introduction on Money Market Fund "MMF"

Thanks for you email to checking up with us. First of all would like to said sorry for not be able to consistently update this blog as currently we are fully occupied for parenthood life with our new born. But this is not an execute anyway, where in my 2021 resolution updating this blog is one of TOP 10 item i need to accomplish this year.

Back to the personal finance topic. There is a lots of blog talking about stock market, option, warrants but i observe that there is very rare blog discuss about how you going to manage your emergency fund or short fund. There is actually a good ways to keep growing your short term fund instead keeping at saving account which only give you as low as 0.05% (Singapore POSB bank) or 0.25% at major commercial bank such as CIMB or Maybank Malaysia.

Let discuss about what is Money market fund? : Explanation by the Investopedia, "A money market fund is a kind of mutual fund that invests in highly liquid, near-term instruments. These instruments include cash, cash equivalent securities, and high-credit-rating, debt-based securities with a short-term maturity (such as U.S. Treasuries). Money market funds are intended to offer investors high liquidity with a very low level of risk. Money market funds are also called money market mutual funds" - In short, Money market fund or MMF is a low risk investment tools (Risk level 0 - 1) which able to give a 1% - 2% p.a. return to your account daily. Each market input and withdraw will take you a maximum of 3 working day for this money back to your account.

Personally i start to put my short term cash at Money market fund through Fundsupermart.com since year if 2010. This was introduce to me by one of my investment mentor during my college time. To initial the money market fund you may need to have a minimum a sum of RM 1,000/RM5,000 to enjoy the yield return from 1.32% to 1.98% depending which MMF product you invested. Below is a MMF comparison i abstract from FSMone.my in excel :-

Above money market fund you can found in Fundsupermart.my

Personally i invested in the MMF highlighted in "yellow" which provide me the best yield after minus of those fee (Annual + Trustee fee). 

Recently Malaysia Touch and go had launch the Go+ feature which allowing user to enjoy the money market fund services. To enjoy the interest yield of 1.24% to 1.61% you can initial this feature by transferring a minimum of RM10 to enjoy the interest which the maximum fund you can put in is RM9,500. There is also a annual fee of 0.45% + Trustee fee of 0.03% will be charge per-annum.

Personally i quick like this function as you get to see your interest return daily in your Touch n Go application. 

I will explain more in next upcoming blog for where your money will go after you invest into money market fund. Above is purely for Malaysia MMF invesment tools, for Singapore i will be introducing Grabs investment feature, Syfe which i use as my MMF tools in next few blog stay tuned.

Below is my reference code, you are more then welcome to use this :-

1) Fundsupermart.com.my : https://www.fsmone.com.my/public/account-opening/personal/account-info?referrerRefno=M0088240&referrerName=Jimmy-Chai-Yow-Kang

2) Touch n Go , Go+  feature : 5mz6Tn

Hope you enjoy this short MMF introduction, do not hesitate to drop me an email or comment of the chat box below. Have good investment journey and make every penny counts !

6 Jar Money Management Method : Which i used until now !

Let had a short discuss one 6 Jar Money Management method by T. Harv Eker. This method had been introduce by mentor who is lecturer during my university time 2010. He was saying this method work well when i ready for investment this method will ensure me to sustain the balance point in personal financial.

Let go straight to the 6 Jar Money Management Method distribution (Priority of money management is by top to bottom) :   

1. 55% for daily necessities : Food, Bill, Transportation, Rent 
2. 10% for financial Emergency fund : 
• Money Market Fund, Short term Fixed Income, Cash+ account) 
• Passive income : Low risk investment (Bond fund, Unit Trust, Mutual Funds, Robot advisory investment) 
• Financial free goal: High risk investment (Stocks, P2P investment, Real estate) 
3. 10% for long term saving : Kids future education fund, Retirement fund, save for pay debt....
4. 10% for education : Books, Attending conferences or course for self investment 
5. 10% for leisure : Travelling, daily entertainment, buying expensive device purchase, games 
6. 5% for contribution to community : Donation, Charity to who needed 

Above financial formula i had use until today which i feel still suitable for me which currently having one kids family. You can do your personal distribution as everyone have their own need. But the method of saving much start from top below as priority. 

Once thing i want to comment here was the 5% of contribution to community. We had to start to pass this good positive vibes starting from our self. This good energy will be return back to you in some other form which you will not expected :)    

Hope above distribution and method will give you a good references for you in your financial management. A good quote i read before :-  

"Money is always eager and ready to work for anyone who is ready to employ it.”

- Idowu Koyenikan

How i start saving and over the year of modification and currently is the best suitable for mylife (Part 1)

If you refer back to the previous blog, since the day i receive mine first pocket money i had already started with the 3-3-3 saving method which taught by my parent to me. My formula is :-

• 33%on Emergency fund
• 33% on Leisure fee
• 33% on Daily expenses.

My thought back than was emergency money is equal to saving. Hence, i will continue save to this 30% regardless how much i have put it in. Soon two major problem i realize after i started my first part time work. 

Issue 1 : I will tend to withdrawn more from the Emergency fund to use as leisure when my colleague asking me out for hang out for various reason like discuss on new project venture or investment method (Guess i think only those topic attracted me as i did not favorable on gossip or watching sport) at Mamak stall or Starbucks after finish work.

Issue 2 : For odd amount like ten it is difficult for me to determine where should i saving. Sometime instead of saving i will think to spend it off to keep nine then ten (How naive). 

For Issue 2 this was easily solved. After i notify emergency fund is not equivalent to saving. Hence, I start my first insurance force saving during the age of 18 with one of my friend who just come out work as part time insurance agent for prudential. Then in age of 19 i was introduce by another friend who invited me to register and invest together in Amanah Saham Nasional Berhad (ASNB) a fixed rate unit trust by Permodalan Nasional Berhad (PNB).

For Issue 1 i solved by using budget control method. Which i share on 24 Jan blog (What you need to do before you start investment? If you interested can visit by this link : http://ourjourney06.blogspot.com/2021/01/what-you-need-to-do-before-you-start-to.html) Where i start to track every single cents by using a note book back in 2005. Soon i found that my finance health from negative turn to positive i am enjoying fun along the tracking. That is reason i keep advise my surrounding of people remember to mark down your expenses.

Since then i had modified my lifestyle my financial flow had become below formula :-

• 20% on Investment fund 
• 20% on Emergency fund
• 30% on Leisure fee
• 30% on Daily expenses.

With this additional 20% pump in to the fix rate unit trust (5% to 6%) + Insurance (3% to 4% break-even on at year six) which generate me averagely 4% soon i feel that this is not enough especially in year of 2008 i had been introduce a concept of entrepreneurship which i will need ever large capital to pump in so i can start my own team to focus on my project. Which lagging of time of managing my account separately which i enjoy to do previously to physically present to bank for the bank in and withdrawn process. I start to manage my account online with 4 bank with definition below :- 

Four online banking management or sharing by other call Four bank passbook management

• Definition : In order for this method to work well for you. You will need to have 4 saving account which set to be automotive transfer on your prefer date.
• Income Account : Function as receiving income and be the place where to store excess money for quick retrieve at ATM withdrawn or online transfer purpose.
• Emergency Account : Ideally to store >6 month monthly income. But for me i only store 6 month fix expenses (such as insurance monthly payment, transportation, meal expenses overall i add in +10% incase any thing happened). One i had achievement this target amount , shift this account to FSMone Money Market fund/fixed income bond fund to help me generate 2% to 5% ROI per annum.
• Investment Account : 50% of income to this account for ETF & Reits Investment (Which i using TD ameritrade + CGS CIMB which i not so active on stock back then). Once i getting the return of investment/dividend payout  i will transfer back to Income account and let it auto roll down as preset. 
• Expenses Account : 50% of income is in this account. When you have girl friend you will know how important this account is :)  Whenever i see there is left over money on 28th of every month i will maintenance the minimum amount inside and transfer the balance back to Income account to let it auto roll down as preset.

After the four online banking money management account establish i had spend very minimum time here and i spend more on my entrepreneurship and my study. Only review when every 28th of the money. This type of money management had maintain a while until i start on auction property investment, stock market investment i start to search for better money management skill online and i found T. Harv Eker's Money Jar System or more commonly people call it as 6 Jar Money Management. I using this system until the moment i writing this blog.

In next blog, i will introduce you 6 Jar Money Management to all of you.

Today the quote take away will be : -

"Money will only make you more of what you already are.” - T.Harv Erker

How to earn/save the first thousand dollar to fund your investment? (Part 2)

2021 had just pass a month like that. If you still not yet start you saving plan do considering with the method i going to share to you at below. As we already know to start a good investment a baby start for this will be to start with saving. There is some Guru out there may share how to do refinancing/borrow money with current low OPR (Overnight policy rate) interest but personally i feel this method will be bad for you if you did not establish a good personal finance. 

Personal feel that if the money you going to investment if coming from the borrowing, you can not make a right decision when the market is having correction there is a chance where you will be making a wrong decision by exits or cutting lost too early.

Let discuss back to our topic on this blog. How to save the first thousand dollar to fund your investment, Below is the method which widely use and i believe you will find a method suitable and benefit for you. You will find the 7 method which showing you the fastest to slower way to get yourself equip with the first RM1,000 in next 11 month (before 2021 end)

***For example purpose, I will be using monthly 3,000 (Malaysia average income is RM 3,224 on Oct 2020) a income as the calculation :-

Part 1 with manual saving method

1. 333 Saving Method
• 33.3% Investment Saving : 1000
• 33.3% Short & Long term saving : 1000
• 33.3% Daily Expenses : 1000
• *** Achieve goal in 1 Month 
2. 16.7% Saving Method
• 16.7% Investment Saving : 501
• *** Achieve goal in 2 Month
3. 235 Saving Method
• 20% Investment Saving : 600
• 30% Short & Long Saving : 900
• 50% Daily Expenses : 1500
• *** Achieve goal in 2 Month
4. 136 Saving Method
• 10% Investment Saving : 300
• 30% Short & Long Saving : 900
• 60% Daily Expenses : 1800
• *** Achieve goal in 4 Month
5. 1225 Saving Method
• 10% Investment Saving : 300
• 20% Leisure Saving : 600
• 20% Yearly Expenses : 600
• 50% Daily Expenses : 1500
• *** Achieve goal in 4 Month
6. 11125 Saving Method
• 10% Investment Saving : 300
• 10% Leisure Saving : 300
• 10% Education Expenses : 300
• 20% Yearly Expenses : 600
• 50% Daily Expenses : 1500
• *** Achieve goal in 4 Month
7. 52 Weekly Saving Method 
• *** Achieve goal in Week 45 or 11 Month

Hope the above 7 method able to help you save your first thousand dollar in order to start your investment journey. On next few blog i will share what you can invest with your first thousand dollar to start work for you. 

Personally i feel that, at different stage of life you will find your self using a different type of saving method. Anyway the main thing is we able to make our saving work for us. On next blog i will introduce the method i use and from there how modifier with help for the book i read to varies type of method which suitable for my current life. 

Today the quote for you to take a way :-

"Being in control of your finance is a great stress relief"

How to earn/save the first thousand dollar to fund your investment? (Part 1)

How to save the first thousand dollar for funding your investment? Actually there is a lots method you can do to earn/save your first thousand dollar for investment. 

Let discuss about earning for a thousand dollar :-

1. If you are hardworking type : Working as part time to collect a lat rate of $5.00 per hours, You will need to work for 200 hour (50 day with every 4 hour contribution) then you will get a Thousand bucks.
2. If you are resourceful type : Selling off the item you will not use/ item that you are left forgotten. This method is more effective if you are decisive type of people. How to know that the item is redundant for you. Spotted anything that you did not use in pass one month that is item where you are not needed for your daily essential. Where to places it so the item can be sell to the next owner? you can use Facebook pages or join in the pre-love group to make your thing visible. For us Carousell is one of the best platform to make you thing to be visible. In Malaysia you can consider Lelong website or Mudah.com (But please be careful i do see some cases before there is a crime cases happened during COD please choose somewhere with crowd to do meet up)
3. If you are intellectual type : You can consider to start you Youtube channel or blogging to earn your passive income.

****Last but not least, if someone had own you money : Now is best time to asking the money back from they.

If you are that kind of people willing to make a quantum lead to start saving then here got a few calculation method i would like to recommend to you :-

Saving the money by physically

• If you start saving 1 bucks a day : You need to save for 1000 days
• If you start saving 2 bucks a day : You need to save for 500 days
• If you start saving 5 bucks a day : You need to save for 200 days.
• If you start saving 10 bucks a day : You need to save for 100 days.
• If you start saving 100 bucks a day : You need to save for 10 days (This is a bits difficult to most of people)
• If you start saving 50 bucks a week : You need to save for 140 days 20 weeks.
• If you start saving 100 bucks a week : You need to save for 70 days 10 weeks.

Based on above calculation as long you had very clear target and keep the perseverance you will reach it one day ! For this example, to save a thousand bucks can be achieve within 1000 days with as little a bucks a day. Therefore, having a clear target is the very first step in making investment!

Next blog i will share about a few saving method which you want yo start immediately.

Quote to take away :-

"Keep eye on the goal, Keep moving toward your target" by T. Harv Eker

 

What you need to do before you start to investment ?

This pages will be related with investment topic. Before i start blogging on this topic, let me summary what kind of question we getting daily from person surrounding us. Perhaps you will be interested to know those question it is one of the question appear in your mind before you start invest :-

1. How to start for investment ? 
2. Which and what kind of investment we focus on?
3. It is investment will bring affirmative return ?
4. Do you making loss before when doing investment ?
5. How to sharpen investment skill ?

Above is the question we get it a lots from our surrounding. Before we answer to this question, let us go through what is investment mean to you. In simple "Investment" is define as the action or process of investing money for profit. This mean we want our money work more effective to us so the money can generate more money in future. In layman term, making our money WORK FOR US.

Back to the first question, how to start investment. For us first thing first, let identify your personal finance status. To do this you will need to take out paper or notepad in your mobile or computer which letting you to record below question and answer. This data collection is quick confidential please do it when you are alone or at your personal space :-

1. Write down all your income source and amount that you are getting monthly and sum it up (Income)
2. Write down the debt you have in hand (Regardless long term or short term) and sum it up (Liability)
3. Now take the total sum at 1(Income) - 2 (Liability) = Get a left over figure (saving)
4. Start to analysis as follow.

After getting answer from above question, Neither you getting Positive or Negative figure bring any meaning to you i until you start the analysis. 

=> If you getting positive figure (Congratulation you can start your next step to understand what kind of investment market suitable for you, i will be explain more detail in next blog). 

=> If you getting negative figure. Not to worry as you are not to late to make a change. But you will need to work very hard in next 3 to 6 month to make this figure become positive. For sure you will feel the joy of fruit after that.

Actually, getting a positive or negative figure now does not matter, most important is you willing to make the change and keeping positive figure on your financial status will be the upmost thing you will be doing for rest of your life. 

Let focus on those people that getting negative figure in their financial status. As i feel this group of people is more crucial then those having positive figure now. You must be admitting getting the seeing the negative figure in your financial status is not accidentally. This is related to part of you spending behavior had make a wrong move. Look at bright side, luckily you had notice at this stage, if this situation continue i can sure your financial will be getting bad to worst. 

To make yourself exit from this situation, you will need to identify what is the top 3 spending you have make in your currently lifestyle. Let quote few example below that commonly look like :-

• House loan or rental : Solution proposal by us. Can this housing loan be refinance ? If yes, please go a head to bank to do the house evaluation. Because at this low OPR "overnight policy rate"period  now is beside to do cash out to settle some more crucial loan. We should feel luckily as we are now at historical low situation. This will be the best time to get good deal from banker. House rental ? Do you able to move to small unit to lower down your rental ? I believe if you put some effort , you will get good deal during this low house rental yield. (Good news for tenants)
• Car loan or transportation? : Car loan was a bit tricky as the interest already price and fixed in your loan.  If selling off the car is not wise move (Unless you had no choice) as most of us already know car value is depreciate by 15% to 25% every year base on normal condition. Perhaps you can consider to folks out your time to join the e-hailing services to bring in another income source. This is what we call turning "Liability to become Assets" (Some said can make a boom, this one we will need you to find out). For Transportation, possible to get alternative travel method ? or the best part will be make a move to the places nearer to your school or work places which help save a huge and maximize your cash flow.
• Other form of loan like credit card, education, personal loan repayment ? : For this kind of loan i will recommend you to use "snowball repayment method"  (Will write a blog how to repayment your debt with this technique in future) In short, payout the loan with higher interest will be the first thing you need to do. Therefore, you will have more cash on hand to pay others loan and eventually fund your investment in future.

To manage personal finance effectively, we will need to manage this matter like managing a company. You will need to know where every dollar & cents come and go. If after you reading this, you still not clear how to track you financial flow. No worry, from today onward spend additional 5 to 10 minute to do a tracking record. The tracking record will need to do it even your are spending a dollar, this will push you to adapt this habit even better when you see the situation clearly. 

After many year dear and me start our tracking, we found out that the most effective way to do recording was do it almost immediate or within 2 hour from the last earning or spending activity. Else you will losing your momentum for this good good habit. This data collection is very useful for future when you ready for budget planning.

Please remember, if you had already in progress on the financial freedom journey please continue do so ! If until now you still yet to start, please act as soon as possible. After all, there will be no second people on this earth will be paying so much attention then yourself.

In next blog i will be blogging about how we prepare for the first RM 1,000/ $1,000 based on the tight situation. Stay tune.

Quote of the day :-

"It's not how much money you make, But how much you keep, how hard it works for you, and how many generation you keep it for. - BY ROBERT KIYOSAKI"

Add in new topic on Personal Finance & Investment Experience

Happy New Year again from us. In 2021, one of our new year resolution from ourjourney06 blogspot plan to add in new topic regarding personal finance & investment experience beside sharing our usual travel plan and food trip. 

Why we want to come out something so different from our core sharing compare with what we usually share ? This was actually due to our surrounding friend and family who often seeking our advise especial on their financial & investment. After numerous time of sharing we feel that it will be more benefit when we start to pen down on what we had already verbally share. Moreover, for those reading this we think this might worth you one or two cents.

Like a lots layman family we be taught to save a portion of our pocket money for emergency usage. This is also a part of Asia family teaching to their next generation. Somehow, during our college and university life we realize the key of personal finance is not only related how well your work out your budget to save but we found out it is more related the skill how you grow your saving after budget.

In this sharing we will share from how you start repay your debt until you budget you lifestyle to have a first portion of money purely for yourself and we will continue share how to translate the saving to some easy investment tools like Money market fund, ASBN, SSPN to intermediate how to start invest to P2P, Stock, REITS , ETF, Unit Trust. 

Do drop us message if you have question in your mind for this topic, you will try to feedback you with the best answer we know in our next blog. For Today a key take away for you:

"Personal finance is not work for you until you start to make investment with responsibility"

Stay tune....

Summary of Year 2019

2019 Thank to each and everyone of you in year 2019. The biggest achievement I had achieve was  marriage with the ladies who in love with me in a decade.

Looking forward for next milestone in 2020. In advance wish all of you a Happy Chinese New Year & Happy holiday. #jajourney06 #jajourneyachievement

2020年依旧不让年华虚度，让每一天朝气蓬勃，充满正能量的生活着！

谢谢在2019出现过的人，就因为你们造就了特多突破性增长，最大的成就当然是, 终于和十年相爱Alice 结婚了 ，

谢谢完美的2019。

在2020里希望这世界有了你我, 所以有不一样。期待下一个挑战拥有突破性发展。

愿身边的人平安健康，天下太平, 把握现在，享受当下.

在这提前祝大家农历新年快乐，万事如意。

Our top 9 Photo

After More then 10 month stop for blogging :) Jimmy & Alice is back !

To whom that dropping by on this Ourjourney06 Blogspot,

In the pass ten month dear and me had focus alot on our daily life. Thank to our reader from the globe althought there is no constant update from us our visitor had reach ~~450K. Thank to who had sent  us email and comment for give your care to both of us on how our life going on and requesting us to do some update here :) You guys really so warm ! Thank you again.

Currently both of us is focus a lots in our life! And ALLOW ME TO MAKE A LITTLE PERSONAL ANNOUNCEMENT Alice had said "YES" to Jimmy on 17th Jan 2017 on his wedding propose back in their memory land in their home. Both of us had done our pre-wedding photo shooting back in OCT 2017 last month at Hong Kong. 

Constant travelling around had yet to stop actually :) In 2017 Jimmy and Alice had travel numerous time to Indonesia.... the most memorable it is on Early Sept 2017 we had conquer Mount Rinjani and had a very relaxing trip at Gili Terawangan island. Beside that we already visited some news places in Hong Kong and we experience our first T8 in life at Hong Kong Island when we having our pre-wedding photo shooting back in Oct. At mid of the year Jimmy and Alice had completed all their Malaysia State visit dream at Kuching Sarawak before our age of 30 :) Next target to archive will be visit all the South East Asia Country before age of 35. We believe small step each time we will slowly fulfil all our dream in one soon!

 Ourjourney06 will having our year end count down in Tokyo, Japan to conclude our wonderful 2017:) Hope everyone out there is doing good and continue to archive all their dream soon !

Oh ya, Ourjourney06 will update their blog progressively currently we are blogging our Kansai, Japan journey on alice birthday:) 

Stay tune with Ourjourney06 blogspot...... more ~~~~~journey to come !

Throwback pre-wedding photo shooting on busy Hong Kong Street

                                                                  From : Jimmy & Alice (Ourjourney06 blogger)

After a while stop blogging due to super busy in current life

Had been a while dear and stop blogging on this bog. As we current quick busy with our daily life. We will soon throwing back most of our life in this blog again once we settle down :)

Had been a wonderful year of 2016 and it is a great year start with road trip in Australia.

Stay tuned we will back very soon !! Thank for sending email asking our status !

Singapore Tampines MRT - A Place we call home :)

A bling of eyes 12 month had pass. It is the anniversary dear and me shifted over to Singapore. Below is the scenery i capture on one of the random evening at Tampines Central. It is such a beautiful evening. After a year we realise that blend so well with the locate life style and keep improving our time management at this busy concrete jungle :) God bless ! 

This is the place we call as home for about a year already :)

Singapore Tampines MRT - Tampines Central 8 Our Tablet

Dear and me had stop chasing for the latest tech for few year after we decided to focus our resource on travelling and career development. We only own this two tablet and use until today. It is Ipad 2 with 16gb & Samsung Galaxy Tab 3 with 32gb. We will bring along when we travelling around the globe. It served us good and we believe we still can use for another 2 to 3 year with care Lol.

Personal Collection Ipad 2 vs Samsung Galaxy Tab 3

Personal Collection Ipad 2 vs Samsung Galaxy Tab 3

Personal Collection Ipad 2 vs Samsung Galaxy Tab 3

Singapore Tampines MRT - Tampines Central 8 Petronas Free Gift

Thanks to Petronas. I was doing my car 70K services and i got this for free lol. Had been a while dear and me want to buy the bluetooth headphone.... but we always forgotten while we having our shopping. Now problem solve..... not sure how long this thing can last but hopefully it still functioning well on our Penang Bridge Full Marathon on 27th Nov 2016.

Petronas Bluetooth Free Gift 

Singapore Paya Lebar MRT - Driving experience in Singapore

It is quick fun while driving in Singapore but it is kind of pain when meeting up with those driver do not know how to use signal light. There is a lot bottle neck in Singapore too. Speeding is not encourage in Singapore although the road here is kind of smooth and lengthy because you will hurt you purse when you getting the bill. Planning you journey is needed because you might miss one or two junction because you are in another lane. 

Driving experience in Singapore

Driving experience in Singapore

Driving experience in Singapore

Driving experience in Singapore

Location : Singapore

Singapore Tampines MRT - Tampines Central 8 Pikachun from Pokemon Center at Osaka

Today dear and me start to keep our luggage.... where dear is keep her luggage to visit Seoul Korea on her girl trips whereas i keep my beg to going back Penang Island. While keep we do took our sweet time to take a few photographs on souvenir that we bring over. There is two pikachu we bought at Kansai Airport Pokemon Center and i will be bringing back to Penang as present. It look chubby and cute actually :)

Pikachun from Pokemon Center at Osaka

Location : Purchase at KIX airport Pokemon Center 

Johor Johor Bahru - Danga City Mall Huawei P9

Dear and me found out that Danga City Mall really can attract crowd especially when they organising a fair. Likewise today there is a Indian fair going on..... Danga City Mall is so crowded and the parking Fee also raise to RM 3.20 per hour. Check the photo below.... it is really happening on the exhibition & presentation stage area. 

Indian Fair

Indian Fair

Operation Hours : 10:00 - 22:00 (Open Daily)

Location : Danga City Mall

Contact : http://www.dangacitymall.com/

Johor Johor Bahru - Danga City Mall Intel Feel The Rush Event

Today I was having my shopping time at Danga City Mall again. This round dear and me plan to hunt for Laptop where to replace our current Dell Studio 1555 laptop. While we visiting a shop dear and me had been invited by the promoter to participate in their Acer laptop promotion. After taking a few of photograph we be given a RM10 fast food coupon for our visit. It seen like the economic is getting worst......

Danga City Mall Intel Feel The Rush Event

Location : Danga City Mall 

Johor Batu Pahat - Yong Hup Soon Motorworks Sdn. Bhd. "永合顺吗呷喷漆有限公司"

After two week dear and me came back to Batu Pahat again. As today dear and me having some business due with the folks over here. This is the third time we visited this Yong Hup Soon Motorworks Sdn. Bhd. "永合顺吗呷喷漆有限公司" where dear and me found out that the accident car here is getting more and more. After having discussion with the folks here only found out those car is mostly involve in car accident in the PLUS Highway. Anyway take care yourself nicely and be safe away !!!

Around Yong Hup Soon Motorworks Sdn. Bhd. "永合顺吗呷喷漆有限公司"    

Operation Hours : 09:30 - 18:30 (Closed on Sunday) 

Location : 1, Jalan Budi Empat 83200 Batu Pahat Johor. 

Contact : +607 428 8727 (https://www.facebook.com/Yong-Hup-Soon-Motor-Works-Sdn-Bhd-118669491479090/info?tab=page_info)

Singapore Admiralty MRT - Drs Khoo & Neon Medical Group Clinic

It is the annual body check up time. We came over to Drs Khoo & Neon Medical Group Clinic which located at Admiralty MRT Station for our body check. The reason we are here is because dear and me found out that this clinic had the most complete equipment and report we need :) A great places for fast body check up. It is also one of the rare X-Ray facility still operating after working hour.... therefore you will see those worker that involve in injury at work places will be sent here for treatment.

Around Drs Khoo & Neon Medical Group Clinic

Operation Hours :10:00 - 21:00 (Open Daily) 

Location : Admiralty MRT Station 

Singapore Toa Payoh MRT - Toa Payoh to Woodland by Grab Taxi

Here I begin my journey toward Japan. After settle some business stuff at Toa Payoh area. I decided to took a Grab taxi heading towards Woodland Train Station. Expected to reach there before 4pm but about 2 KM before the Woodland Custom.... we stack in the traffic whereby it is a long holiday a head plus now is Friday. The taxi cost $16.40 and thank to her to allow us to get down from car and walk toward the Train station as the train will depart sharp 4:30pm from Woodland train Station.

Toa Payoh to Woodland by Grab Taxi

Toa Payoh to Woodland by Grab Taxi

Journey Time : 30 minute

Location : Toa Payoh to Woodland by Grab Taxi