Insurance for New Car

A friend of mine just bought a new car last month. He was asking me which insurance company is good for new car as there are quite many insurance companies in Malaysia such as Kurnia, MAA, Longpac, UniAsia and so on...

I told him that every insurance company has their own goods. Its only depends on how you choose for your car insurance.So how to buy car insurance for new car?

1. It depends on what type of car you buy. If you buy a mid-size family car, the insurance premiums may decrease if compare to you buy a sport car. If your purchased car contains of airbags, anti-theft devices, anti-lock brakes and daytime running lights, you will obtain some discounts on your new car insurance.

2. Furthermore, it is better to get an latest update on your current car insurance by calling your agent with the details of the new car you purchased.

3. We also have to ensure that we have enough bodily injury liability to cover our personal assets by determine what the bodily injury liability limits are on our new car insurance.

Maintain Car Alarm

I was talking about how to choose a right car alarm system yesterday, and now i realise that it is not enough to have the right car alarm system without "take care" of it. Am i right?

But how to maintain a car alarm? I went to a car accessories shop last night after finish working. The workshop assistant told me that it is pretty simple to maintain car alarm..I would like to share the basic knowledges with you as below :-

1. As we know, car alarm could function well if battery is in good condition. Therefore, we need ensure that car's battery contacts are clean and terminals are free of corrosion.

2. Examine the car alarm components under the hood periodically.

3. Lubricate the pinswitches of the hood and doors periodically to avoid from malfunctioning.

4. Avoid water from the outdoors as it can affect the life of the siren.

Choose the Right Car Alarm System for your Car?

My friend attended a birthday party at Bandar Sunway,Butterworth yesterday. After finish the dinner ,he paced up and down at the backstreet but he still could not find his car. All of the sudden, he has a bad presage in his mind that his car might be stolen, so he went to the police station nearby to report to the police.

I still remembered that my manager's car is being stolen at Bandar Sunway last year after he attending a dinner. Once i heard the news from my friend, the first thing that jumpped into my mind is they might not install the right car alarm system for their car.

To choose the right car alarm system that suit to our car, off course the most important is our budget. Do research online, through friends, at local auto shops and with the local police. These resources will help us from wasting money.

Besides, we should consider security features to make the audio system or cabin more theft-proof. It is better to install motion sensors that keep our alarm functional even without a roof over it. If affordable, we can add a theft-tracker which will help us to get car back and catch the thieves if it has stolen.

Save Gas Fuel of Our Car

We are facing various type of increment nowsdays. From flour to vegetables, from car petrol to gas fuel, increment has made our life turn into strict budgeting. We can choose not to eat mee or vegetables to avoid over budget, but we could not escape from spending in petrol and gas fuel as we need car to travel from a place to a place such as work.

Recently i was practicing some method to save gas fuel and i found that it is efficient. I would like to share with you here..

1. Change engine oil or auto oil and service our engine at car maintainance shop accordingly

2. Drive at the speed limit! Dont over speed and always keep tires inflated at the proper level.

3. Dont brake in a sudden and easy on the gas when accelerating.

4. Many people like to "throw" everything into the car, so it is good to remove unnecessary items from your car.

Tire Blowout? Handle it !

There are many cases of accidents happened in Malaysia esspecially during celebration of certain festivals. Some are because of the carelessness of drivers, some are because of drunk driver, and some are because of tire blowout and brake faulty.

Once tire blowout,try to hold our steeling in a straight course. Slowly let up off the gas pedal to gradually decrease the speed. Remember do not stop quickly after a blowout as it will increase the chances of losing control. After that, turn on signal and drift toward the side of the road slowly and park your car and turn on its hazard lights to alert passing traffic. If we do change the tire, it is better to have a passenger to keep a close watch on traffic to provide us some protection so that the passing traffic would aware of our extra warning and reduce tragedy from happening.

Start a Car But Car Battery is Low

My family and I went to my cousin's wedding dinner last Saturday. After finishing the dinner, my husband and I went to the car park to drive our car. When we reached the car park, there is a girl who was trying to start her car but failed. Without any delay, my husband and I walked towards to her car to give a hand.

We found that her car battery was low, therefore she could not start the car. Luckily we always have the jumper cables in our car, so my husband drove our car near to her car, and attached jumper cables from our car battery to the girl's car.

After that, my husband started our car and let it run with the cables attached to her car for about five minutes. Then the girl attemptted to start her car and finally her car can be started through the connectivity from our car.

She appreciated and kept saying thousand thank to us. I learned to start a car if battery is low this time, but the most important is we need to have the jumper cables in order to attach the connectivity from other car's battery.

Car Insurance

A friend of mine contacted me last weekend regarding the car insurance. Her car's insurance is going to be expired and she would like to renew it with affordable value.

I asked her if her car ever involved in accidents as this is the main issue to determine the budget. If her car is "free" from accident record, then she will be waived for the NCB deduction ( the NCB amount is quite big if compare to non-NCB deduction)

In my opinion, to get an affordable insurance, we need to drive safely in every moment. It is because our driving history is the number one factor insurance companies use when calculating an insurance quote. Besides, buying car insurance online to cutting out the middleman will help us to save extra money. The last thing that we need to take in consideration is to buy minimum coverage , minimum liability coverage according to our car's market value, it will definitely save our more money than carrying a large, full coverage policy.

Maintain New Car

My friend just bought a new Myvi car last month. She is very good in "taking care" of her car. She wore the seat with beautiful seater cloths and keep the interior of car tidyly and neatly.

I told her that the most important things to maintain a car is not maintain from internally. There should be smart in maintaining as below...

1. Avoid hard or frequent starts and stops

2. Check oil and coolant frequently

3. The oil should be changed at 1000 miles. Then begin the 5000 mile schedule.

4. Change fuel filter approximately once a year to prolong the life of fuel pump

Car Smell~~Bye Bye

I drived my parents to night market last Saturday. My parents started complaining my car smelly since they entered. I dint realize that my car is smelly all the way as i sent my car to car wash monthly or quarterlly.

Since my parents complained about this issue, i started to "kill" the smell last Sunday at home. Oh my godness, i found that my floor mats was soiled with some stain liquip. I went to a car accessories shop to buy a heavy-duty auto-upholstery cleaner.After that, i applied the digester to the affected area with a sponge, and openned all the windows to let the spot air gone.

After that, i burned a stick of incense to refresh my car interior and placed a small bottle of sesame oil on the dashboard of car. The foul smell was gone within an hour.

Haha..I think i need to check my car mats and seat always to prevent the offensive odor " visit" my car again..

How to clean tire rims?

I think most of the driver among us will face the same problem in how to clean our car tire rims esspecially after we passing by mud pit / morass and our tire rims caked with crud.

I came across a small tips of Rims cleaning from newspaper, just want to share it with you..

1. First and foremost, spray brake cleaner on the worst part of your rims.

2. After that, allow cleaner to sit for a minute or so.

3. Finally, scrub the area and your rims will be perfect and shiny.

Car Wash

I went to a car wash centre to wash my car. There are few packages of car wash at the shop, and i chose the cheapest one which is RM10 ( car wash body + vacuum inside the car). My car finished washing and vacuuming in only 20 minutes. Wow..what a amazing car wash!!

First of all, they rinsed my car with the car soap water in the shade, and started washing from the roof then worked the way around my car and rinse the panels too. After that, one of the man took the nozzle off the hose and with the free flowing water rinse the entire car and he wiped off the water on my car with cotton cloth. While another man vacuumed my car inside and applied metal cleaner on my wheels rims, and within 20minutes, they told me to make payment for the car washing.

Wow..So fast the car washing. 20 minutes per car wash for RM10 ..they are able to earn few hundred in a day easily. Am I right?

Pensonic Slow Cooker

I went to Tesco Extra ( formly known as Macro) last thursday after working to buy a slow cooker. i chose a smallest size of slow cooker, and there is only a smallest Pensonic slow cooker costed RM63.90. Due to urgency, i bought it without doing survey to other shopping centre.

I went to Sunshine Shopping Complex to have my lunch just now, and i walked around for a window shopping after the meal. I went to the electrical department to take a look on the items. When i came across the the slow cooker, i found that the Pensonic smallest slow cooker ( exactly 100% same with what i bought at Tesco Extra) is only costed RM60.90. Wow...The price at Sunshine is RM3.00 cheaper than Tesco Extra. I feel so heartache when seeing this, maybe RM3.00 is a small amount to you, but it is extremely a big amount to me ( as i am poor ma ) ...I tell myself that i will not buy any electrical products at Tesco Extra again in future. It is really expensive to me.

Frustrated with Someone?

I was free this afternoon so my mum and i paid a visit to my aunty's house. When i reached there, my mum busy chatting with aunty as they have not been seeing each other for quite long time. Without discturbing them, i went to my cousin's room to have a chat with her. I saw her pressing the pc keyboard non-stop, so i walk in front to check whar she was doing with the pc.

She was stricking to a "person" named Jenny through a website "Beat Small Man" She told me that if you have frustrated to someone, you may enter the name in the text box, and follow the intrustions given to strick him/her.

I found that this is interesting esspecially for those to let off. Just to share this with you all, you may play with it when you angry / moody / frustrating.

Chocalate Cheese Cake at Coffee Bean

I went to Coffee Bean yesterday after working hour ( it is because i miss chocalate cheese cake there very much ). After i entering Coffee Bean, " Welcome, good afternoon", all this basic greetings came to me from a waiter. So i started looking at the cheese cakes row by row inside the glass rack. I noticed that my favourite chocalate cheese cake was not there, so i checked with the waiter, and he came back to me that the chocalate cheese was no longer in production ( discountinued) and now it is replaced by cappuccino cheese cake.

Finally i ordered the cappuccino cheese cake and i found that this cappuccino cheese cake is actually not as delicious as chocalate cheese cake that i tried before. There is something missing in the cappuccino cheese cake. I still can recall the sweet smell of chocalate chesse cake i've taken long time ago..Hehe..( because it's toooooo deliciousssss)

~Lapland~

Lapland, did you ever heard about this place? I never heard it before, and i get to know this place from a korean movie " Snow Queen"..It is located at the north of Scandinavia and is recognised as the home of Santa Claus and one of the most unique concepts in travel is to arrange a tour to this Arctic Region to meet him personally during the month of December.

In this drama, the female actress dreamed to go to Lapland as there is an snow queen live together with her lover. Unfortunately the female actress was unable to visit there as she is dead because of cancer. Finally the male actress ( her lover) went to Lapland on behalf of her to pursue her love and dreams. This drama contains diferent types of sentimental songs that really touching from deepest heart. I am now busy downloading the drama and wish to keep it for my own to watch again in future..

Everyone has their own dream places, i have mine too..so how about you?

CNY 2008

I received a 2008 calendar this morning from Plant&Mill Motion Control Sdn Bhd . The calendar is pretty nice. The first thing i get the calendar, i checked for the Chinese New Year date 2008. The CNY date falls on 7-Feb-08 ( thursday), which is 2 weeks earlier than my give-birth date. Haha... I am so excited when i get to know about this..It is because accoring to my check-up doctor, it is possible to deliver a baby in 2 weeks times earlier. If my baby rush to "come out" to this world 2 weeks earlier to celebrate CNY, then i have no chance to enjoy my CNY ( have grand grand meal and gambling)...Hehe..Hoping that my baby will "come out" on time, which is 20-Feb-07 so that the mummy can enjoy the CNY first..

Tyre Puncture ~ Careless girl

I went to a factory yesterday morning to pay a visit to customer. Due to the car park was full, so i parked my car outside the factory which is near to a renovating building besides the factory.

After visiting the customer, i went to office continuing my work. After finish working at about 6.30pm, i went to take my car and drove back from Penang island to Butterworth. I dint realized that my tyre was punctured while i was driving. When my sister-in-law came to my house, she found that one of my car's tyre punctured. It sticked in my an thick iron wire. From the marks of the tyre, it showed that it was punctured before i left island. I was curious, as i parked my car behind my office, and the ground is clean and tidy as the cleaning squad is cleaning the car park everyday.

Finally i realized that my car punctured when i parked my car besides the renovating building when i visited a customer as the compound there was full with wires and nails. I blamed myself a careless girl as i never check my tyres before i move my car. If i did that, i will drive back from Penang to Butterworth with a puncture tyre, as it is dangerous due to the balancing.

Public China Ittikal Fund (PCIF) CASH Investment

I received an email this morning about the PCIF from Public Mutual Berhad. This PCIF will be launched on next tuesday 20-Nov-07, for those who are interested, you may contact the agents of Public Mutual Berhad nearby for more informations..Below are some info i get from my friend..

New Public China Ittikal Fund (PCIF) to be launched on Nov 20, 2007 (Tuesday).

Unit Price: RM0.25/unit (offer till Dec 10, 2007)

Initial Service Charge: 5.45% (offer till Dec 10, 2007)

Private & Confidential

My coursemate join a core blood company. It is a store blood company for future usage when needed. I asked my coursemate to deliver the brochures and booklets to my office as i was seldom at home. There is a courier man sent a document to my office. My office clerk sign and chop for the courier to receive the document. She opened the document, and read the booklets. She passed the document to me after reading.

When she passing it to me, i was curious , why the document was opened? So i asked her : Has the document already been opened since the courier man delivered?" ..Who knows she told me that she opened my document. Then i asked her how can she open my document without informing me? She answered :"next time ask your friend stated ( private & confidential) lor, then i will not open "....

I was angry when she answered unpolitely to me. She never feel sorry by opening my documents and she still behaved innocently after making mistake. I really cannot condone her words like blamming my friend did not indicate " pricevate & confidential" on the document.

We should respect people's privacy as this is a basic manner in our daily life. It is good to say sorry if we are wrong or hurt someone's feeling. I hope she will understand this one day.

Increase 70Cents / Litter?

I dint read newspapers for last few days due to busy preparing my reports. I started to review all the past newspapers yesterday. There is an annoucement that petrol will be increased about 70Cents per litter next year ??!!!

Wow, this is a big increment. Currently the price is RM1.92 per litter, let say increase 70Cents, it will become RM2.62 per litter..Perhaps this is fake news, else i would consider to go to work by bus next year. It is a burden to young migrants as traffic is heavy at Penang bridge during finish working hours. Once jamming, petrol meter drop very obviously.

A funny friend and Salesman

I went to visit my friend who is going to give birth end of this month. While we chat and chat, a man press the door bell, so my friend went to have a look. Being for safety purpose, my friend dint open the door and just talking to the salesman in between the window with iron grating besides the door.

The salesman insist to come in, but my friend dint allow him. So the salesman started to introduce his sales products. My friend did not interest in the products, but the salesman still continuing promoting. Then my friend ask him " what is your name", the salesman answered. My friend continued " what is our company and where is it", the salesman answered. Then my friend asked the salesman to spell his name and his company name. He followed what my friend has requested. At last my friend asked his house contact number, but the salesman only give my friend his office number, then my friend told him that : why you dont want to give your house phone number? you dont want a stranger to disturb you , right?" , the salesman smiled. Then my friend said " same to me, i already told you that i do not interest in your products, i hope you dont disturb me too"..

After that, the salesman left. I told my friend that it is really an effective way she drove away a salesman / stranger. I could take it as an experience to drive away a stranger in future.

Friend & Family Day at Adventist

I went to Adventist Hospital for pregnancy monthly check-up this morning. When i finish the checking and going to leave, there is a attractive brochure, stated " Friends and Family Day" drawed my attention, so i took the brochure and jsut want to share with you all here.

The program will be held on 25-nov-07, at Adventist Hospital Penang. There are various type of tests which is free of charge. An ince-cream and balloon will be given to each small children.

I felt that this program is very meaningful, it is because nowadays, there are a lot of parents that busy working and neglect their children, or friends that seldom to meet each other, this is the chance to gather to share the joy and happiness of life.

THE MALAYSIAN DILEMMA

I received an email from my colleague just now with subject " The Malaysian Dilemma".. Below are the pharases :-

Get Vietnamese workers, dogs missing.
Get Bangladeshi workers, Malay girls missing.
Get Indonesian workers, money missing.
Get Indian workers, jewellery missing.
Get Chinese workers, husbands missing.

The last phrases drawed my attention the most. "Get chinese workers, husbands missing" -- It's not girls' fault but husbands should have high staunchness and willpower to overcome seducements from outside. A " weak" staunchness husband definitely will think of others, even not get chinese worker to work with us !!

This is my thinking and opinions, do you agree with me ?

KariHome Goat Milk Powder

Malaysia was having public holiday yesterday for celebrating Depavalli ( Indian New Year). I was nothing to do so i went to a kids shop. The promoter there introduced a goat milk to me which called " KariHome Goat Milk Powder". According to her, this powder is very good to babies esspecially for pregnant women. This milk is a product from New Zealand and it has been documented i nChinese Medical Encylopedia that it is good for lung, stomack & intestine to babies. Anyway, i was never heard about this goat milk before, and my friends around me who pregnanted before never told me about goat milk , so i dare not to try it lor.. Hehe, scare to be the "white mouse" ..

Expensive nasi lemak

i went to a malay stall to buy nasi lemak. It is a self-service stall, so i request a plain rice and i take a egg, 3 slices of cucumber and mix the rice with some curry soup. The malay girl told me it is RM2.00. Wah, so expensive lah, only one egg = 3 lices of cucumber cost me RM2.00..So heartache to pay and to eat the nasi lemak. If it is include a sausage , then different story lor. The malay girl thought i might be come from a rich family, and take the opportunity to " kill" my wallet. I told myself that i will never buy nasi lemak from this stall anymore.

Snow Queen

Recently 8TV showing a Korean drama titled " Snow Queen". I watched this drama since 1st episope. I am the kind of seldom watching Korean movie,but this drama really inviting and interesting that make me addicted to it every night at 8.30pm.

As usual, i was watching the drama last night, the story last night was talking about the female star broke with her boy-friend after she found that she fall in love with the male star. The male star actually love her too, but due to he accidentally caused the death of her's brother, so the male star hide his love feeling towards the girl, and hurt her by some cruel words. I was sad when watching this. It's really to forget the past ( her brother's death), anyway, we have to look forwards but not stepped backward. We have to appreciate whatever we have now, care about the person who care about us. We have to be honest to ourselves and feeling.

I am very looking forwards to tonight's showing. Hoping that both of them can become a lovely couple start from tonight..

Cutter Fish at Penang Sea??

I will check my personal email everyday after working hour which is about 6pm. As usual, i checked my email just now. A mail with subject " Cutter Fish at Penang Sea" drawed my attention and i immediately viewed the clip movie from attachement. Anyway, i wondered which Penang Sea from Penang? Batu Ferrighi? Pantai Bersih? Here i would like to share with you the short movie clip, have a look..It is interesting actually.

~Fortune-Teller~ Is that True?

I brought my mum to temple for praying last Saturday. There are crowded at the temple as it is the birthday of the GuanYin. I prayed to Guan Yin and earnestly hope that SHE will bring healthy, wisdom and Smoothness to me all the way. After praying, my mum went to the washroom so i waited for my mum outside the temple.

There is a fortune-teller stall outside the temple. Being curiousity, i walked towards the stall and stay near it, i heard the fortune-teller told a old woman that if she want to win 4D betting, have to pray to "Na To Gong" , and there are few things / food cannot prayed which is coconut, candle and bananas.. Also, according to the fortune-teller, it's need to pray to "Na To Gong" at either 12 o'clock in the afternoon or 6 o'clock in the evening.

I am curious, is that true? Well, for me, it's more realistic if we work hard ourselves to earn a better life instead of playing 4D and looking for fortune-teller..

End of Year

November again, so fast... Its year end again. I am recalling what i have done within this year? What improvement i had? What kind of people i met? What kind of issue/ problem i faced? What meaningful jobs i came across?

Did i pass this year wisely? Let me think again, this year i work, eat, sleep, enjoying, travelling to pass my leisure. Oh yes, i have pregnant this year, a new life is inside my body and going to see the world early next year. Hehe..This is the most meaningful and happiest thing that happened to me in this year 2007. I wish the date of delivery come faster , and i will have my own cute cute baby..Muaks....

So what do you've done within this year? Do share with me if you dont mind :)