Holy Thursday (The Last Supper)

Posted by Kris | Friday, April 18, 2014 | | 0 comments »

The Last Supper By Leonardo Da Vinci

Today, Holy Thursday marks the start of the Holy Triduum, a series of days of very important events of Jesus's life that is part of God's ultimate plan to save mankind.

Most non-christians would not know what Holy Thursday represents; But i bet you seen (the famous painting by Leonardo Da Vinci) or heard before about the 'Last Supper'. Hence, Holy Thursday is the day the Last Supper event occurs.

Here, the Last Supper is really the last supper Jesus partake before he was crucified. The Last Supper has 2 very important event because:

1. Jesus Christ instituted the sacrament of Holy Eucharist or Holy Communion, where the bread turn into his body & the wine turned into his blood. Catholics believe that at every Eucharistic celebrations (every mass celebration), the priest, representing Christ on earth is able to turn the ordinary bread and wine into the body and blood of Christ to be received by baptized & practicing Catholics. Non-Catholics Christians (with certain exception to certain orthodox churches) are not allowed to receive this communion because they do not believe on this body & blood transformation that occurs during the Eucharist. (that is why you will see this soft reminder during Catholic mass services)

2. Jesus washed the feet of his 12 disciples including the man (Judas, seen in the picture as the man who holds the money purse) that will betray him later on. So today is the day , you will see the priest going down on his knees to wash the feet of 12 selected people during the mass service. This is to remind that although Jesus is Lord & Master, he comes to serve mankind humbly and not to be served although he deserved so. And this shows how much he loves us so much that he humbled himself to wash his disciples' feet which traditionally at that time is a task reserved for a servant.

After that, Jesus retreated to the garden to pray, knowing well that he will be betrayed later on by Judas and crucifixion & suffering will follow soon. Yet he is willing to accept God's salvation plan which involves him dying on the cross as a path for mankind's salvation.

Hence, Holy Thursday is a solemn celebration (there is no band playing music during the mass celebration) as Jesus progresses toward his crucifixion on Good Friday, which is tomorrow. The Blessed Sacrament is exposed for adoration, as we pray & reflect upon Jesus's last moments in prayer before his excruciating and humiliating suffering on the cross.

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Happy Palm Sunday 2014

Posted by Kris | Sunday, April 13, 2014 | | 2 comments »

Palm Sunday
Palm Sunday marks the start of the Holy Week as Jesus enters Jerusalem on a donkey with the people welcoming and rejoicing with palm leaves.

So my church today did a short play on todays' reading on how Jesus was betrayed by Judas and was crucified by the people of Jerusalem. It was very heart-moving play to remind us Christian, how much suffering & humiliation Jesus endures for us in order to save us thru his love sacrifice. It is a like a one way sided love story, where Jesus persistently & eternally loves us even though alot of times we stray or even ignore/blame him  for the life challenges that we face every day. 

It reminds me on why I could not bear to finish the "The Passion of  the Christ" 2004 movie by Mel Gibson when it first came out a decade ago. Too soul touching when it come to the part of crucifixion; In the movie, if i remember; there was a flashback on the miracles and good work that he performed while he was crucified on the cross; yet the people still reject him later on when they choose to release Barnabas a violent criminal instead of Jesus and have him crucified.

I do reflect that if I were there during the crucifixion as one of the 'spectator/disciple', how do i feel? fearful? despair? uncertainty; That the man you hold to be the messiah is going to die in such cruel & humiliating manner. 

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2 Type of Businesses To Get Rich Fast

Posted by Kris | Saturday, April 05, 2014 | , | 2 comments »

I been thinking lately and I feel that in general that there are 2 ways to get rich fast.

1) Do something very different and unique. A technological breakthrough product or a business model no one thought of it before. 

This applies to Facebook, Apple's Iphone, Google, etc which provides us with phones, apps that becomes very dominant in our lifes. Nevertheless, any business  model can be easily copied over time if the barrier of entry is not high enough.

Steve Jobs Toy presenting Iphone

2) Do something OTHER people DON'T want to do.

For example starting a car wash business to cater for those busy and also lazy people like me that send their cars to be washed by other people.

Thinking out the box; doing a compost fertilizers, garbage collection company can be very profitable since not many people wants to get down and dirty.

Car Wash anyone?!

Which business type that you think is the easiest way to get rich?

For me, I still think no.2 is the easiest since not many people have the talent/timing/connections/or even luck to reach the heights of Mark Zuckerberg, Steve Jobs or Bill Gates who are game changers in our fast paced technological world.

Besides this, if not many people are willing to do the "dirty" & "difficult" jobs, you basically have very little to no competitors. Hence, the profits are surely there if look and work hard enough.

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Tax E-Filing 2013

Posted by Kris | Sunday, March 30, 2014 | | 4 comments »

I just finish filling up the dreaded income tax for 2013. Just google around my blog to see my previous tax related posts.

Nevertheless, here are the key items at least for me:

1. This year will be the last year for the income tax deduction aka tax relief on the interest paid for the property that you bought around a certain time frame. This save me quite a decent sum of money again. :) 

2. There is no longer tax relief of RM500 per annum for Broadband subscription. T.T . One less deduction.

3.This year's E-filling form will automatically filled up your PCB (month tax payment paid to LHDN by your employer on your behalf) paid. Hence, they are starting to do some cross-linking of database.(to avoid those fat fingers mistakes) 

So start filing up your tax and submit it before 30 April if you are an employee like me.

And remember to be honest in your tax filing, as it is 100% sure that tax audits reviews will be on the rise!!!

Recently i got an email from a reader signing up my ebook on the tax audits.(See here http://eepurl.com/cYFkU) He wanted the ebook urgently as he has been 'lucky' enough to be selected to be audited.

I will need to reiterate again that the email auto-responder will need to take some time before the link to the ebook is sent. So don't do last minute stuff.

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A Potentially 12% Interest Loan

Posted by Kris | Monday, March 17, 2014 | | 2 comments »

money loan advert
Microloan of RM200?!

Receiving a lot of pamphlets from the banks offering the consumers money. Here is one value added feature given to HongLeong account holders the opportunity to have a small credit line of RM200 at 0% interest as shown in the ads.

But wait a minute..0% interest?

See the fine print; There is a surcharge of RM15 per usage of the credit line. Assuming you use the entire RM200, a RM15 is actually 7.5% interest!! If you use less than RM200, the percentage of interest is even higher.

Wait, why do i say it is a 12%??

There is a late payment fee of RM1 every 3 days up to RM9. So if a person needs RM200 credit, it is highly likely he/she is desperate and will be slow to pay up.

So total of charges can be RM15 + RM9 = RM24 which for RM200 is actually 12%.

Late Payment FeeRM1 every 3 days, up to a maximum of RM9

In irony in life is that when you are rich , the banks will be throwing you money here and there offering loans you don't need, but if otherwise, you cannot depend on the banks to loan the money, as they don't want to let you the money!!

Nevertheless, I have no idea what is the market segment this bank is targeting. RM200 is just too small amount for anyone to make use of. It is like micro-credit to 3rd world countries. Not sure how much profit they are aiming and also it is definitely not worth the time and money to pursue a person owing RM200!! 

More profits are to be made from credit card consumptions :D Coincidentally, I got to know that this bank has one of the strictest requirements in the indusctry when it comes to approving credit cards!!! Double irony....

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Rainy Saturday Videos

Posted by Kris | Saturday, March 15, 2014 | | 0 comments »

Funny videos about a men lamenting his job that REQUIRES him to be surrounded by beautiful and sexy women. Caution: Hokkien required to increase the humor meter. 

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KWSP EPF Declares 6.35% for 2013

Posted by Kris | Tuesday, February 18, 2014 | | 13 comments »


KUALA LUMPUR: The Employees Provident Fund (EPF) today declared a dividend rate of 6.35 per cent for the financial year ending Dec 31 2013, representing the biggest ever dividend payout of RM31.2 billion to its members, up 13.66 per cent over the RM27.45 billion paid in 2012.

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2014: The Year Valentine & Chap Goh Mei Same Day

Posted by Kris | Friday, February 14, 2014 | | 0 comments »

chap goh mei
Happy Chap Goh Mei

Chap Goh Mei is the last day or the 15th day of the Chinese New Year celebration. And it is also known as the Chinese Valentine Day where people throw apples/oranges into the river to find their other half.

And Valentine is the western day of the day of love.

So 14th February 2014 (today) is the time where both "Valentines" fall on the same day and only occurs every 12 years!! That is what my friend told me, I am too lazy to confirm this. Hence, there is alot of people registerring their marriages or having wedding bells today.

Anyway, Happy CNY once again!!!

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Is Kris Cruel?

Posted by Kris | Tuesday, February 11, 2014 | , | 3 comments »

gendo pose
Gendo Pose
One of my tenant have not been paying my rent for 3-4 months and counting now as previously he lost his job and only now got a new one. Should I kick him out?

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Dividend Statement For Tax Return

Posted by Kris | Sunday, February 09, 2014 | , , | 0 comments »

dividend paperwork
Dividend statement for IOICORP

dividend paperwork
Final sum of dividend minus misc fee

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Happy HORSEH Chinese New Year 2014

Posted by Kris | Friday, January 31, 2014 | | 2 comments »

gong xi fa chai
Horse Year 2014. Cute card right? :D

Gong Xi Fa Cai to all my chinese readers out there. May 2014 be a HORSEH year for us all. 

May 2014 Be a HORSEH LIAO, HORSEH LIAO HORSEH LIAO Year!! :D (Hokkiens should understand it)


I really like the chinese calligraphy that they use for every chinese new year according to the 12 chinese zodiacs, very beautiful and meaningful.   

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AfterLife Real Estate Investments

Posted by Kris | Thursday, January 23, 2014 | , , | 0 comments »

death note
Death Note
I bet you have heard the latest hottest real estate investment being marketed around. Well, this is not the literal real estate property housing but the entry level is a 5 digit sum. Per square feet wise, it is the most expensive real estate in Malaysia, and some say the whole world.

Well, it is the real estate housing whose occupants once check-in , will never check out.

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ITRONIC: Steady As Rock?

Posted by Kris | Monday, January 13, 2014 | | 2 comments »

capped price for a long time

I been noticing this stock for some time, as I was scanning thru small caps to pick up any hidden jewels. It has considerable "volume" and buy rates but the price is capped severely to a narrow range for a very long long period. (1 years!!)

Why I took notice? I am just waiting to see whether/how will it implodes downwards because seriously this seem to be left hand selling to right hand maneuver. I went to look at the announcements, I don't see any significant thing that can warrant this type of behavior. (NO takeover offer, etc that could explain the stock price lingering and hovering with high volume ~50K-70K daily average )

Just curious?!

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Don't Wait For The Stars To Aligned, Make Them Aligned

Posted by Kris | Friday, January 03, 2014 | , | 0 comments »

Star Origami that I made

There is a proverb "Waiting for the stars to aligned" which means a time consuming wait to wait everything perfectly falling into sequence before executing some tasks.

If you study probability in school, the way to find the final probability for a series of event that aligned together  can be generalized as follows;

Final probability of event A,B,C happening together = (probability of event A happening) * (probability of event C happening)  * (probability of event C happening)

 So imagine the probability of event A occuring is 1 in 10 or 1/10 = 0.1.

And probability of event B & C is also 0.1,

Hence the probability of the "stars" getting aligned is 0.1 * 0.1 * 0.1 = 0.001!! which is 1/1000!!

So now you  know why does the proverb ring true; waiting for the stars to aligned can be daunting and a long wait.

Hence in life, you don't want to wait until all the stars to get aligned before doing something to change your life. (probability is damn low) For example, waiting for an opportunity given by someone to start a business venture, and accepting it after you have sufficient money, etc or waiting for someone to ask you to be a partner (either business or life).

Instead of waiting for the stars aligned aka staying stationary to observes the stars, try moving your head and body around; up to a point, you will eventually find a angle where all the stars do really aligned in your visual range. That is my crux of my argument. 

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