Monday, April 13, 2020

Book Audio - The Art of Asset Allocation - David M Darst

开始从回写回忆录。

听了这个YouTube。
https://youtu.be/6TQJL6Ksggo

《资产配置的艺术》

领悟。
1. 资产配置 其实非常深奥, 很多方面要懂
2.资产配置不是universal working method
3. Rebalancing with 2 schools of thought -
i。momentum following - avoid being killed during abnormal market (e.g. recession) - limited risk, unlimited gain
ii.  Anti momentum - value investing (drop more, buy more) - unlimited risk, limited gain


Saturday, January 3, 2015

2015 New Year Plan

Write it here to remind myself what my target is :


Start doing .....

1. Getting healthier - sleep by 10pm, wake up by 7am, exercise - yoga every morning

2. Getting richer - Public Mutual sales target - 2.5million - New York, here I come

3. Getting wiser - LEAN - I will get you by end of Feb 2015

4. Getting wiser - CBAT - I will get you by end of June 2015

5. Getting even richer - JG3, here I come

6. Getting happier - hei World, wait for me ... I am coming


Continue doing ....
Passive income generation
a. Career benefit growth
b. Share investment
c. Unit Trust investment
d. Property investment

2015 New Year

Wish All Happy New Year ....

Saturday, February 1, 2014

Skin care Sales

Hi, I have some skin care product all new in box wish to let go, with great discount.

(The price are INCLUDE the NORMAL postage parcel charges for PENINSULAR MALAYSIA, EAST MALAYSIA will add-on according to POS MALAYSIA charges).

Contact me Via my Facebook Message.
http://www.facebook.com/photo.php?fbid=464188317040722&set=pcb.464190387040515&type=1&theater






























Nutox Oxyfusion Cell Boosting Elixir 30ml
RM42.90 Original : RM55.99
Manufacturing : 04 2012


Aqualabel Bright White EX Essence 45ml
RM : 59.90 Original : RM79.90
(Can't Find the manufacturing date)


Bioré UV Aqua Rich SPF 50 Sunblock 50g
RM24.90 Original : RM32.90
Manufacturing 27 03 2012


YVES Rocher Hydra Specific While FLuide Hydratant Specific White. Moisturizing Whitening Fluid SPF 25 50ml
RM79.90 Original : RM109.00
Expiry : 03 2015


Lancôme 50 ml Genifique Youth Activating Concentrate
RM 259.90 Original RM360
Manufacturing : 01 2013
4 bottles available


OPAL One Minute Hair Treatment Mask Regular 225mL(bought from HK)
Rm17.90 each
Manufacturing : 2013 11
8 tubes available


My Beauty Diary (x10 pcs in a box) -Natto Mask Moisturizing Tight (bought from HK)
RM 32.90 Original : 39.9
Manufacturing : 2013 12


The Qure maskpack (x11 pcs) – Collegen Essence Mask (bought from HK)
RM35.00
Manufacturing : 2013 11


The Qure maskpack (x11 pcs) – Green Tea Collegen Essence Mask (bought from HK)
RM35.00

Manufacturing : 2013 11

Sunday, June 30, 2013

"Ng Ng" to let go

Get to know and agree that our body is "hidden" with a lot of gem ....un-welcome gem though ... but the 'cleansing' methodology seems to be killing, furthermore, expensive. Ya, those drinking Olive oil with grape juice or apple juice type ..... it easily cost your RM100++ each time ....

Not sure if this is really working well, but looks tempting to try, put it here to share and for my own future reference .... if you read chinese, or else, just "google translate" lah.


From : http://appnews.fanswong.com/show.php?id=356804&NANCY


 
真相一:現代人的消化速度超級慢!
人吃進的食物經過消化道到排泄大約需要8~12小時,但discovery頻道曾報導,與以前的人相比,現代人的消化速度只有十分之一,過去人類8~12小時就能消化掉的食物,在現代人缺乏纖維素及少吃蔬果的狀況下,竟然需要80~120個鐘頭。
 
你在馬桶上嗯嗯出來的東西,竟然是3天前吃的東西,可見體內的廢物會存在相當久的時間,宿便積貯良久之下,會產生許多毒素,對人體產生危害。
 
 
真相二:每天嗯嗯也不夠
不要以為你每天嗯嗯,體內就沒有宿便了!這是絕對錯誤的想法,根據醫學報導,不論胖瘦,每個人體內都有宿便,這些嗯嗯都無聲無息囤積在你的大腸小腸裡。
 
正常人體內有3~6㎏的宿便,肥胖、便秘者體內則有7~11㎏的宿便。女性朋友請想想,妳45kg的曼妙身材中,竟然有6kg的宿便占去妳的體重,這是何等可怕的事。
 
 
宿便的產生三大問題:
 
1. 宿便會阻礙營養吸收,也壓迫小腸絨毛的活力及彈性
 
如果宿便讓腸道不美麗,即使吃了有益健康、有營養價值的食物或基本套餐,養份還是無法真正吸收到,宿便不常排出或有便秘的成員,身體甚至會吸收不到健康食品中五分之一的營養素。你每月消費的健康品可就發揮不了最大的效果了。
 
 
2. 宿便脹氣發酵後,會經由血液致病
 
小腸內的宿便,一旦發酵、脹氣後,所產生的化學毒素會污染血液,進而逐漸循環全身,終致造成酸毒症(acidosis),同時會加重肝、腎、皮膚三大排毒器官的負擔。常疲勞、腳底痛、感覺睡不飽的成員,或許成因就是宿便先生造成的哦!
 
 
3. 宿便會不知不覺讓身材變形
 
即使你體內有滿滿的宿便,你可能也不曾察覺。它會撐大你的小腹,並壓迫內臟,改變腹部及脊椎形狀,更是產生肥胖的重要因素。
 
相信大家常看到四五十多歲的男性朋友小腹撐起,怎麼減也減不下來吧,這類的人,小腸中至少藏有十公斤左右的宿便,真可謂是「宿便男」、「大便爸爸」或是「便便人」!
 
 
如何因應宿便的問題
 
現代人生活緊張忙碌,普遍都有排便量不足的狀況,甚至有便秘的問題。一般的上班族婦女,一天的排便量可能只有100公克,排便量與每天吃進去的食物,實在不成正比。更何況,有的人工作壓力大,甚至會有二三天拉不出屎,得連續唱著:~我想嗯~但是嗯不出來~等到便便像海~淹沒我~~
 
纖維素是清洗腸道的最佳營養素,這是很重要的,因為人體有70%的免疫系統都在腸道中抵禦細茵或病毒的攻擊,只要腸道顧好,人體可以避免掉70%患病的機率!
 
自己與家人每天最好也一起執行以下的建議,幫身體排毒兼減肥:
 
(1)每天步行10000步,需要一步一步算嗎?不用,一天就是散步走一小時路就對了。
(2)早上一起床,請喝500cc的溫開水,每天至少要喝2000cc的開水。
(3)每天一定要吃五到九種蔬果,不同顏色最好。
 
 
一週一次的一公斤排毒餐:
 
若無法每天為自己及家人小孩的身體進行排毒,建議可以一週一次,吃一公斤排毒餐。照醫生的說法,週末1公斤宿便排毒餐的原理,是利用大量的纖維質清洗腸道。
 
不需要節食,只是把週五與週六晚上的晚餐,用排毒餐取代,即可達到周日上午痛快掃除宿便的夢想!
 
週五晚上:250克優酪乳 + 500克地瓜(蒸熟連皮吃) + 蘋果2個
週六晚上:250克優酪乳 + 500克地瓜(蒸熟連皮吃)
周日早上:請痛快嗯嗯,徹底清除宿便。
 
 
✦ 網路轉載,內容僅供參考,如需解決具體問題,建議諮詢相關領域的專業人士。


原文網址: 「宿便」 你所不知道的可怕真相! http://appnews.fanswong.com/show.php?id=356804&NANCY#ixzz2Xgjn6qLF



Thursday, March 7, 2013

Review - Neuzell Skin Renewal







Brand: Neuzell
Date : June 2012

Link/Facebook: http://www.facebook.com/NEUZELLSUISSE


Read my post on how I get this product :

Product details:
Product
Size
Est. Price(RM)
Normal Size
Est. Normal Price(RM)
Neuzell Skin renewal
7ml
NIL
NIL
NIL









Additional Information :

It was claimed even after finish the deluxe sized sample, I sure feel and see some different on my face. But unfortunately I was not the lucky one, I don't really feel any differences, but lucky to say, nothing bad turn out though.



Rating
Remark
Texture
Very Thick
Thick
Normal
Thin
Very Thin
Thickness is compared to the nature of the product. A cream is compare in the nature of cream texture.
Color
Very Dark
Dark
Normal
Light
Very Light
Dark is with color, light is without color
Scent
Very Strong
Strong
Normal
Mild
Very Mild
The smell of the product after applying
Absorption
Not Good
Not Really
Normal
Good
Very Good
How well it been absorb
Feeling
Not Good
Not Really
Normal
Good
Very Good
Very personal feeling, likes it, do not like it
After-use Side Effect
A Lot
Little
Normal
Not Really
Not At All
Any side effect noticed ?
Effectiveness as per the product purpose
Not Good
Not Really
Normal
Good
Very Good
Is it effective as the product claimed ?
Packaging friendliness
Not Good
Not Really
Normal
Good
Very Good
How friendly the package … easy to open, no wastage etc
Value for Money
Not Good
Not Really
Normal
Good
Very Good
Compare the price range and the effectiveness, value for the money ?
Product Price Range
Highest
High
Normal
Affordable
Very Affordable
Per ml/g or per use
Highest > RM 20
RM 20 > High > RM 15
RM 15 > Normal > RM 10
RM 10 > Affordable > RM 5
RM 5 > Very Affordable > RM 0

Overall
Very Bad
Bad
Normal
Good
Very Good








Monday, March 4, 2013

Review - Za T-Zone Cleansing Peel-Off Mask



Brand: Za
Date : 17th Dec 2011

Link/Facebook: https://www.facebook.com/za.malaysia










Product details:
Product
Size
Est. Price(RM)
Normal Size
Est. Normal Price(RM)
Za T-Zone Cleansing Peel-Off Mask
60g
18
60g
18







Additional Information :

I was looking for all type of masque, to clean my pores, minimized their “open” look. This one is peel off type. It is extremely sticky, hard to spread on the face, and smell very chemical too.

Thursday, February 28, 2013

Review - Keihl's Rare Earth Deep Pore Cleansing Masque





Brand: Keihl's
Date : 17th Jan 2013

Link/Facebook: www.facebook.com/myKIEHLS


Product details:
Product
Size
Est. Price(RM)
Normal Size
Est. Normal Price(RM)
Keihl's Rare Earth Deep Pore Cleansing Masque
142g
95
142g
95


Saturday, December 29, 2012

Review - Tanzini (Originalo Booking)



Brand: Tanzini
Date : May 2012

Link/Facebook: www.tanzini.com.my/

The Pure White and Black Interior Look



Information :
Managed to make a reservation with Tanzini under Originalo gift pack. Before choosing Tanzini, did some google about this restaurant, and it appears to be quite a 'quiet' place during lunch time. We wanted for lunch, but apparently it is no more serving for the Originalo gift pack, so, we booked a dinner table for 4, 2 adults and 2 kids.

Tuesday, December 4, 2012

Cosme Decorte




Brand: Cosme Decorte
Date : June 2012
Place: Garden Cosme Decorte Promotion Booth
Method: Received SMS invitation of free sample promotion from Cosme Decorte, so I went over to the counter to check out the promotion they have

Link/Facebook: 

Additional Information :
Don't know why, maybe due to some bloggers' review on this brand, I am fully confident with it even I have yet tried the product (I think I got some sample previously, but yet got the chance to try out the sample).

Monday, December 3, 2012

Clarins - Shaping Face Lift






Brand: Clarins
Date : September 2012
Place: Clarin Counter, Suria KLCC
Method: Newspaper cutting from Clarin promotional advertisement

Link/Facebook: https://www.facebook.com/ClarinsMalaysia?fref=ts

Additional Information :
I was late with this redemption, thought I won't be able to get one, but, seems like the visitors to KLCC don't read Chinese newspaper ? I got mine, and it was a fantastic of 3 bottles …. The sales assistant even put them in a mini paper bag, really cute ….


Rating **normal = not related
Remark
Value for money
Not At All
Not Really
Normal
Yes
Absolutely
I count every cents spent (petrol, time, effort) compare to what I get, even before talking about the result of the product
Challenge to get the sample
Very Tough
Tough
Normal
Easy
Very Easy
How easy to find the counters, to get the product, do I need to wait long to get it
Tempted to buy more besides the free gift ?
Not At All
Not Really
Normal
Yes
Absolutely
Before getting the product, any push for sales commitment ?
Staff friendliness
Very Rude
Rude
Normal
Good
Very Good
How informative and friendliness the staff to you when you request for the sample ?
Consultation given ?
Not At All
Not Really
Normal
Yes
Absolutely
Any information and knowledge shared on the product ?

Product
Est. Size
Est. Price(RM)
Est.Normal Size
Est. Normal Price(RM)
Clarins Lift-Affine Visage (Shaping Face Lift)
15ml








Sunday, December 2, 2012

Review - Face Factor ( The Factor of Peel !!)



Brand: Face Factor Silk Peel

Date : June 2012

Method : Lipstiq was having a contest, write up why you need this treatments, and really lucky enough, I won it and hence eagerly going to try a “high tech” facial treatment, which is by a certified professional doctor.


Link/Facebook:
Lipstiq:
Face Factor:
https://www.facebook.com/pages/Face-Factors-Clinic/179414018743475?ref=ts&fref=ts


Saturday, December 1, 2012

Review - Academie Light Fluid

The non Counter Brand, it is a thick semi-transparent glass bottle. BTW, there's a plastic cap  cover, I like that, it is hygiene.


Brand: Academie Fluid
Date : Dec 2011

Link/Facebook: NIL


Product details:
Product
Size
Est. Price(RM)
Normal Size
Est. Normal Price(RM)
Methode Swiss Thermal Oxygen Soothing Concentrate
30ml
192
30ml
192


Friday, November 30, 2012

Watson - Originalo Giveaway




Brand: Originalo
Date : May 2012

Link/Facebook:

Watson always has some surprises contest for the facebook fans. This round they were having the contest of giving suggestion to Watson on how they can improve their fanpage. So, putting up my thinking cap, there I wrote some of my suggestion to them, unexpectedly, I was one of the winner for the prize.

I need to plan a trip down to Watson headquarter to collect the prize, reluctantly, I took a day off to go to the heart of KL and get my prize. Surprisingly, there I see the Originalo boxes. I have been given 2 boxes, that's really very generous from Watson for the prizes. A big thank-you Watson.

Then, we started to hunt for special experiences from the booklet. It seems a lot, but it seems not enough option though. As we are very 'eating' person. So we end up choosing 'makaning' as our target.

When I called up the first restaurant, which is the Japanese restaurant, things go pretty well. We didn't do any advanced book, indeed, we called to reserve a seat 3 hours earlier, but we still managed to grab a seat.

However, the experience for the 2nd booking is really very unpleasant. The information in the booklet was outdated. Most of the restaurant that we call in has changed their reservation criteria. Until I need to make a complained to the customer service of Orginalo, glad fully, their responses are pretty fast, and they do offer to assist us to make the booking, oh for sure, it is not a cheap-e-lak package like some of the 'Group---ong' thingy leh. At last we managed to grab one of the choice restaurant and dine in.

What I can say, it is value for money, and the feeling is definitely better than buying group---ong and wonder how and what you will be treated later. We were tread well as V.I.P.
The dining experience will follow later in another write-up.

Product details:
Product
Size
Est. Price(RM)
Normal Size
Est. Normal Price(RM)
Best of 20 Lifestyle Experiences For one or two persons



200



For website orders, of course we are measuring site experience (however for this round, I didn't do the order, so keeping some of them as Normal) :

Rating
Remark
Site User Friendliness
Not Good
Not Really
Normal
Good
Very Good

Site Payment Speed
Not Good
Not Really
Normal
Good
Very Good

Site Informative
Not Good
Not Really
Normal
Good
Very Good

Site Information Accuracy
Not Good
Not Really
Normal
Good
Very Good

Request Response
Not Good
Not Really
Normal
Good
Very Good
How fast they response to your inquiries ?
Response Friendliness
Not Good
Not Really
Normal
Good
Very Good
Is the response seems to be friendly ?
Product Value for Money
Not Good
Not Really
Normal
Good
Very Good

Product Price Range
Highest
High
Normal
Affordable
Very Affordable
A very relative measurement
Highest > RM 20
RM 20 > High > RM 15
RM 15 > Normal > RM 10
RM 10 > Affordable > RM 5
RM 5 > Very Affordable > RM 0

Overall
Very Bad
Bad
Normal
Good
Very Good