Faith vs Problems Dominating

When I woke up this morning, this was the first image that came to my vision. Every morning I have one vision. I believe this is the power I received since the Nights of Fire; I have attended at my Church.

Many of us are so afraid of problems that we let fears dominates us. Who is fear? Do you know him? Then, why do we entertain them by believing them??? Hmm...What should we do??

I was telling some of my friends that I believe I would settle my education loan with PTPTN within these two months. I believed it and there is nothing more rewarding and feeling good about believing in settling your debts soonest.

“Now FAITH is being sure of what you hope for and being CERTAIN of what you do not see.” Hebrew 11:1, AD70


Can you imagine what is happening every month when I was paying for my PTPTN monthly installment? I paid RM 100 monthly and from that RM 100, there is an admin fee of RM 40ish deducted!!! It means I have been paying RM 60 every month for the past one year.

My personal desire is to be debt free. Last year on December 2007, I cleared my Credit Card debts. So, I am free from Credit Card debts!

Today, another personal desire for me to achieve is to settle my education loan. My desire is to set myself free from this burden. I thank God for my parents (Kudos to my parents!) who bought me insurance with a unit trust investment, which I will be selling it. With that “X” amount I am able to settle more than 70%.

I am very much in agreement with Mark Conner’s statement,

“Money … everyone wants more of it. Somehow we think it is the answer to all of our problems.

No doubt money has great power … for good or for evil. It all depends on our attitude towards it and how we use it.

One of your goals should be to be financially ‘free’. In other words, to have your needs met and enough to give away. That’s a good definition of ‘prosperity’.”

Welcome New Things

New curtains, affordable and soothing to your eyes.

New dining table, custome made from Kuching (recommended by Auntie Doreen)

New orchid, from Ikea at RM 29.90 a set

Fruits for Life

Uncle and Auntie preparing fruits every morning

See, happy couple! :D

Every morning, I would take a few minutes walk to the fruit sellers. I have been buying from them every morning. At first, I felt like we were strangers, but hey, why can't we be friends? Now, they are my morning friends.

Yes, the price of a small packet of fruits is RM1 but what can RM1 do compared to the fruit that enters our body? Giving that RM1 a day for fruits will be bonus to your health.

Going to the fruit stall to me is healthy ...

1. I get to loose some fats on my legs as I walk there
2. I get to spend time chatting with my fruit seller friends
3. I get to support them in this weakening economic times
4. I get to refresh myself with FRUITS.... *slurpy juicy*

Today is a Good Day!

Today is a good day because the fund prices are up! YAY!

This means, in the midst of such prolonged market downturn, there is a rise. And rise is a positive outlook for our economy.

Even though the prices are very low now, but low prices are the best time to buy because it is like a MEGA-SALES.

In investment, the best time to buy is when the prices are LOW! However, I would like to add, that making an investment need patience, and take time to learn. Remember, understand what you are investing, and make sure it is not a quick rich schemes!!!

Mark Conner's Space

This is a cool blog.

http://markconner.typepad.com/catch_the_wind/

Tells you about marriages, life decisions, money issue and etc. A good one to visit. :)

To fear "FEAR" itself

President Franklin Delano Roosevelt

On March 4, 1933, Franklin Delano Roosevelt was sworn to office and became the thirty second president of United States. At that time the country was facing Depression, people were losing up their savings and facing problems in feeding their family.

But let me encourage you, dear Malaysian, in the midst of facing much saddening issues such as political illness, economic downturn, price rises, uncertainty on rakyat's well being and natural disasters in some parts of the world, we ought not to fear. Instead we should Press-On! :D

Let me encourage you with what Roosevelt uttered;

"Let me assert my firm belief that the only thing we have to fear is fear itself - nameless, unreasoning, unjustified terror which paralyzes needed efforts to covert retreat to advance. In everty dark hour of our national life of leadership frankness and vigor has met with understanding and support of people themselves which is essential to victory."

Many of us now, are paralyze by FEAR. As for me, whatever we win on earth whether it is money or power or the glory of our name, it shall all pass away.

Why not take a step of faith to step out and take RISK? Life is like an economy, if we don't take a risk to invest, the economy will be dead! Imagine 100% people don't invest in Malaysia, what will happen? I'll leave it to you then.... Nothing will move ON and go UP, if we allow FEAR to paralyze us.

Start investing in people's life which gives you the eternal value of friendship and joy. Start investing in economy, to keep the economy robust and ask FEAR to go away. You have ONE LIFE, DO SOMETHING!

God bless you!

Frogs & Jewels

This is funny that but impactful to me,

"Do you know some people when they open their mouth, full of frogs come out from their mouth. Learn how to have jewels come out of your mouth."

Mr Balulba (MFGAM)

a picutre by my lil brother :P *winkz*

"A gentle answers turn away wrath, but hard words stirs up anger."

King Solomon, Proverbs 15:1

"The tongue that brings healing is a tree of life, but a deceitful tongue crushes a spirit."

King Solomon, Proverbs 15:4

Yeah, I understand, sometimes you just feel so negative & at times hurt when we keep having frogs around. But heys, change and make effort to speak jewels into people's life. What are the jewels? :) Hey hey hey, don't get me wrong.

They are;

Words of love

Encouragement

Uplifting

&

ADD-VALUE

Dim Sum Moments

My Little Dim Sum, SS2

CUTE Cactus

Gardening is something that my mom and her siblings love to do...I'm taking up the interest too, since I am starting to think to have my own home in future...

a mini garden would be lovely enough for me to dwell with the beautiful nature

they are just so beautiful and detailed

see, how wonderful is the work of the Almighty Creator! WOW!

Our Hearts Are Like Stones

Lord, give us a blameless heart and keep us from our wicked ways... so that we may rejoice in your love through your eyes. Someone once told me, "when you know who is the creator of the world, your eyes will be open, and you will start seeing the world through the eyes of the creator." God bless you with abudance of kindness, love and gentleness.

More Than Blessed

It was Saturday night after dinner time, I made an appointment with my customer from the last week’s road show. Our appointment made was 2.30pm at Carrefour Kepong.

His name is Mr Lim, from Jinjang. He works as a Machinery Operator. His wife is a home maker and his blessed daughter is 11 years old.

At 2pm, I called him to confirm the appointment but there was no answer. I went anyway to Carrefour Kepong due to my leader’s encouragement. Met up with Grace, my manager and we waited for the client for 3 hours and we decided to leave. Before we leave we have decided to give him a last call, but still no answer. Then, Grace took her phone and called Mr Lim and he answered! Little did we know that…

I have been dialing and sms to the wrong number
Mr Lim, my client waited from 12.30 to 3.30pm at another restaurant!
Brought his wife to listen to our investment funds plan

WOW! To our amazement, he came back to our meeting place even though he was already home. More than that, he invited us back to his home to get his wife to sign the funds with us. We also found out that his house is actually very far away.

WOW! Why?

Even though he bought a minimal amount, but I feel blessed to witness his and his family life, in a very cosy flat.
I feel blessed with his humility to be taught by us, how to save and invest.
Willingness to take a small step of risk in order to change his family.
His sincerity and trust towards me and Grace.

I also want to thank Grace, she is very encouraging. Though she is one of the top earner and I know she is a grandma already, she was by my side to mentor me the whole afternoon. What a wonderful leader! :)

Today, all glory and praise to you! Because you are so good!

For All the Superhero - Daddy Dearest

To my dad and all the dads... :*

"You Raised Me Up" by Josh Gorban

When I am down and, oh my soul, so weary;

When troubles come and my heart burdened be;

Then, I am still and wait here in the silence,

Until you come and sit awhile with me.

You raise me up, so I can stand on mountains;

You raise me up, to walk on stormy seas;

I am strong, when I am on your shoulders;

You raise me up... To more than I can be.

On my First Roadshow Selling "No 1 Unit Trust in Malaysia"

Me at Kepong Carrefour

A week after I passed my FMUTM exam. Such a big girl now, am going back for a roadshow works reminded me of my youthful days. The best thing is, I was placed in Kepong's Carrefour Hypermarket. Guess what? I had to speak to my customers in Cantonese and Mandrin man! Which I had hard time. But by God's grace I could speak better than my usual days. I learnt a lot of new words.

• Unit Trust = "Sun Tok Kei Kum"
• Public = "Tai Chung"
• Interest = "Lei Sek"
• Dividend = "Ku Sek"

Wow! So cool...never knew that. Hehe.

More than that, I learnt from this humbling experience, which are more rewarding in terms of character building. They are;

1. Boldness in speaking to strangers
2. Learning how to seize the opportunity
3. Persistency and keeping the momentum
4. Face rejections in joy and gratitute and still feeling "WOW!"
5. Learn how to speak mandrin and cantonese
6. Learning from the most experienced leaders, my blessings
7. FOCUS! Focus on positivity and not negativity
8. Humbling myself to ask - this is the hardest but the most important way to mold my character.

Roadshow in Kepong? I love the people there. Not that they bought a million ringgit investment from me, but it is them - an open door for me to meet people of all walks of life. My first client - he is a lorry driver, with a dream to invest with us though it is small.

God Bless You!

If you love me, support me lah.... just listen to my presentation will do. :D

GAMBATE in your life!

John Hull Speaking for the 12th MCCC

Dr. John Hull

President/CEO, EQUIP President/CEO, ISS [INJOY Stewardship Services]

John Hull serves as a President/CEO of Eqquip and ISS, which both are leadership organisation founded by John C Maxwell. Meet John Hull at DUMC's 12th Malaysian Cell Church Conference which will be held from 5th June till 8th June. He will be speaking together with other leaders from our Church, one of them is our very own Senior Pastor Dr Daniel Ho.

"Hull created The Million Leaders Mandate – EQUIP's global leadership training initiative, which is now off and kicking in Europe and Latin America and is currently training over 900,000 leaders. The organization had initially hoped to train one million people by 2008, but now they are track to meet that goal in early 2006, two years ahead of schedule." Rodha Tse, The Christian Post

Dr. John C. Maxwell, Founder of EQUIP and ISS, says, “John Hull is a remarkably gifted man who is making a difference in countless lives worldwide. His ability to simultaneously lead two significant organizations—and lead them successfully—speaks volumes about his mind. That is impressive; but most of all, I appreciate John’s heart—his heart for Christ and his heart for people. I rely on his counsel and value his friendship.”

Wow! I will be there to hear him... :D

For more details about 12th MCCC, please call DUMC

at 03-7958 7388

Free Congregations is on;

Sat, 5-7pm

Sun, 10-12

Both at Dream Centre

2, Jalan 13/1,

Seksyen 13,

46200 PJ, Selangor

"Leadership moment can help you become international about how you excercise influence and leadership in your life." John C. Maxwell.

I love my daddy and mommy!

Mom, dad, both of you are the best! I thank God for your lives. You have given so much to me and I want to say thank you to both of you. :D I'm glad that God bless us with so much love for one another. He is indeed good to us, always teaching us sacrificial love.

My thanks giving list : -

• when I was young and helpless, you cuddle me into your arms always
• when I failed in my exams, you sat down with my to revise all my mathematical questions
• when I first got my driving license, you paid for all my accidents and summons
• when I was growing and rebelling, you were patient, kind and always loving me
• when I want to go for my work, my breakfast is on my table
• always being an example in my life, you are the parents that more than I can ask or imagine… :)
  
  and the list goes on… Thank You Mom & Dad! You are the best of the best!

I am a PB Mutual Agent!!! I passed my exam!

burning midnight oil for my public mutual exams...

i was too restless to focus, so i scribbled my practice papers. hehehe.... :P

the place where i took my exam in Bukit Jalil

Yay! Melissa Chua, you have passed your exam! I am now a qualified PB Mutual Agent.

I am very happy and blessed with what I have discovered when I was studying the text for this exam. I have learnt that the principles of the Unit Trust industry as whole are a very credit worthy business. The conduct of the business is highly scrutinized and protected by the our Securities Commission, Trustee and FMUTM.

All Unit Trust Managing Companies are to fulfill the compliances set on them to achieve a highly ethical and professional conduct in its business dealing with Unit Trust Schemes. I was very pleased for their commitment for this in order to protect the investors. This is a place I can be mold as a better person to with such working environment and culture.

I am very please with my choice to be PB Mutual Agent. :D Am looking forward to sow and reap bountifully in this business which is able share with people how their money can work for them. Even when they are having lunch, they know their investment is working very hard for them. Thus, let me share with you the advantages in investing in Unit Trust;

o Medium to long term (3-5 years regular savings in funds)
o Diversification of your funds which reduces risk
o An investment portfolio managed by experts
o Liquidity
o Affordable opportunity to invest in blue chip companies

Wish you well and be blessed all the time! :D

Mel o and Mel c '05 - '08 memories

In the begining, it was all planned by God....

How I met this wonderful woman after God's own heart.

When I had no friends, she brought me out with her church friends.... I felt like an alien... :P (2005)

When I first got my Kancil, our ride after college (2005) :D

Flower making project at Cameron (2006) :O

Our trashing the kitchen momentsn with my younger sis, Irena (2006)

Bak Kut Teh together at Port Klang... *slurp* it was my first and last....

Our graduation in Singapore, together with us Kheng Swee & Jared (2006)

At our Charmaine & Irwin's wedding.

Together with us is my dear Marilyn and my sister!!!(2007)

Watchnight at DUMC, 2008 Countdown New Year Celebration

(end 07 - begining 08)

Love ya, Mel O. U are the best! All the best in ya life!!! Gambate!!! :*

Taman Damai Jaya, Selayang

Overseeing this project for my company... The picture shows the construction of the show units. Show units will be launching in August 2008.

• It is a 46 unit 2 1/2 stories link houses
• Free Hold
• 5 bedrooms + 1 utility room
• 5 bathrooms + 1 powder room

For more, visit: www.newlake.com.my

Malaysian Banana Leaf Rice

Very nice Malaysian food. Got to have it! It is call banana leaf rice, originated from India. This cost me RM 4.00 without additional dishes. Just rice, greens and Dahl sauce.

A Moment of Green Thumbs

when you buy a new plant, you need to transfer to a bigger pot so that it can grow... :)

a bigger pot, with a drainage hole is better because the roots of a plant can die if over watering

insert some stones into the pot

put some soil

loosen up the roots and soil so that the roots can grow better...

Tadaa! sprinkle some water on it

Mummy's tip: Never water the plant under the hot afternoon sun. The best time to water them is late morning or in the late afternoon.