Langgu_Trang_Koh Lanta_Hatyai

Basic FKLI/FCPO Trading Rules

Trade what u SEE not what u want to BELIEVE.
Identify POSITION, STOP LIMIT and PROFIT level you before trade
after enter the position, PLACE STOP LIMIT and PROFIT LEVEL
If stop limit is triggered, TAKE A BREAK and take it with pride.
REPEAT the trading rules once STOP LIMIT and PROFIT LEVEL are filled.
To be a successful trader, u must OBEY the trading plan and control the EMOTION.
Cut your LOSSES short
Lets your PROFIT run
Add only to WINNERS
Never add to LOSERS

this trading rules will be my guideline for my own FCPO pre - analysis and post - analysis.

no1: cut your losses short
no2. lets your profit run
no3. add only to winners
no4. never add to losers.(or avg down)

How to make your kid more money smart

Help your kids make a list of money makers (bonds, mutual funds, etc.) and money losers (those really nifty sunglasses you never wear).
Teach your child to make a pros/cons list before spending money on an expensive item.
Ask your kid to think about something he recently bought that he really wanted. What were his feelings about the item before he bought it, and what his your feelings two weeks later? Was it worth the money?
Ask your kids what interests them about money? What bores them about handling, saving, or spending money?
Discuss an emergency fund of money and the reasons it's important. How could kids benefit from starting an emergency fund of money ?
Would you take out a loan for a pair of jeans? If you buy jeans with a credit card and don't pay off the balance each month, that's what you're doing.
Have your kids collect letters of recommendation from their babysitting, lawn mowing, pet sitting or other jobs. They'll come in handy when putting together college portfolios.
Have regular conversations about money skills and financial literacy – what is it, why do we need it, how do we get it, where do we keep it, how does it relate to the things that are important to us?
Ask your kids...does a free kitten come with hidden expenses? If so, what are they?
Make financial literacy fun by teaching money trivia along with money skills! For instance, the dollar bill lasts 21 months before it wears out. The five dollar bill has the shortest life, at 16 months.
As an incentive to save money, match your child's savings dollar for dollar...or fifty cents for each dollar saved.
What is your best money habit? Share it with your kids.
Discuss with your kids some things money can't buy.
Discuss with your kids which is more important...buying a video game or paying back lunch money borrowed from a friend.
Discuss with your kids the advantages and disadvantages of saving money.
Create a list of Above-and-Beyond Jobs your kids can do to earn extra money.
Kids LOVE to have their own savings account; it makes them feel "grown-up." If you child doesn't have one yet, take time to open one...and consider seeding it with a few dollars. This is a great way to get them in the healthy habit of saving and thinking about achieving financial goals.
Do your kids want fancy designer labels? Have them pay the difference between what you're willing to pay and the cost of the designer label.
Teach your tween/teen how to fill out a check by having them write the next one.
Give your 6-8 yr old $2 and your 9-13 yr old $5. If your 6-8 yr old still has it after a week and your 9-13 has it after two weeks, double their money. Great delayed gratification practice!
Discuss being rich in compassion, understanding, empathy, friends, knowledge... How can we use money to help us show these things we value?
Talk about a financial goal you set and the steps you took to achieve it. Then have your kids create their own money goals.
Discuss needs versus wants with your kids.

Bill Gates Top Forbes 400

Bill Gates, co-founder of Microsoft Corp., plays bridge as part of the Berkshire Hathaway Inc. annual shareholder meeting weekend in Omaha, Nebraska, May 3, 2009.

Mark Zuckerberg, founder and chief executive officer of Facebook Inc. Photographer: Noah Berger/Bloomberg
Bill Gates, the co-founder of Microsoft Corp., remains the richest American with estimated assets of $54 billion, according to Forbes magazine’s annual ranking of the 400 wealthiest Americans.

Warren Buffett, the chief executive officer of Berkshire Hathaway Inc., ranks second in the U.S. with $45 billion, according to the list published yesterday. Gates, 54, and Buffett, 80, were Nos. 1 and 2 last year.

The number of list members whose wealth declined this year is 85 compared with 314 in 2009, while wealth increased for 217 members. The total worth of the 400 rose by 8 percent to $1.37 trillion, still below the 2008 total of $1.57 trillion.

“They’ve recovered, but we’re still so far off from 2008,” Luisa Kroll, global wealth editor for Forbes, said in a telephone interview.

Facebook Inc. CEO Mark Zuckerberg, 26, who is tied for No. 35 on the list, saw his wealth jump 245 percent to $6.9 billion, the largest percentage increase of anyone on the list. “Very few are at an all-time high, with the exception of how phenomenally well Facebook is doing,” said Kroll, who is based in New York.

California has the most people on the list, with 83, followed by New York, with 64. Texas has 45 members and Florida has 26.

Sixteen new people joined the list this year, including Dustin Moskovitz, a co-founder of Facebook who left the social networking site in 2008. He has a net worth of $1.4 billion, tying him for No. 290. Moskovitz, 26, is the youngest person on the list.

The oldest is philanthropist David Rockefeller Sr., 95, who is tied for No. 153 with $2.4 billion.

Raj Rajaratnam, 53, founder of Galleon Group LLC, who is under indictment for insider trading and is due to go to trial next year, dropped off the list along with 33 others. Rajaratnam has denied the charges.

42 Women

There are 42 women on the list, led by Christy Walton, 55, and 60-year-old Alice Walton, of the family that controls Wal- Mart Stores Inc. They rank Nos. 4 and 8. Jim Walton ranks seventh with $20.1 billion and S. Robson Walton is No. 9 with $19.7 billion.

New York City Mayor Michael Bloomberg is ranked 10th with $18 billion. Bloomberg, 68, is the founder and majority owner of Bloomberg LP, the parent company of Bloomberg News.

The other members in the top 10 are Oracle Corp. CEO Larry Ellison, 66, at No. 3 with $27 billion. Charles Koch, the 74- year-old chairman and CEO of Koch Industries Inc., tied for fifth with his brother David Koch, 70, with $21.5 billion.

The cutoff for the Forbes 400 list is back up to $1 billion after falling to $950 million last year. Forbes also released a separate list of the world’s richest people in March.

The New Poor

Patricia Reid is not in her 70s, an age when many Americans continue to work. She is not even in her 60s. She is just 57.

But four years after losing her job she cannot, in her darkest moments, escape a nagging thought: she may never work again.

College educated, with a degree in business administration, she is experienced, having worked for two decades as an internal auditor and analyst at Boeing before losing that job.

But that does not seem to matter, not for her and not for a growing number of people in their 50s and 60s who desperately want or need to work to pay for retirement and who are starting to worry that they may be discarded from the work force — forever.

Since the economic collapse, there are not enough jobs being created for the population as a whole, much less for those in the twilight of their careers.

Of the 14.9 million unemployed, more than 2.2 million are 55 or older. Nearly half of them have been unemployed six months or longer, according to the Labor Department. The unemployment rate in the group — 7.3 percent — is at a record, more than double what it was at the beginning of the latest recession.

After other recent downturns, older people who lost jobs fretted about how long it would take to return to the work force and worried that they might never recover their former incomes. But today, because it will take years to absorb the giant pool of unemployed at the economy's recent pace, many of these older people may simply age out of the labor force before their luck changes.

For Ms. Reid, it has been four years of hunting — without a single job offer. She buzzes energetically as she describes the countless applications she has lobbed through the Internet, as well as the online courses she is taking to burnish her software skills.

Still, when she is pressed, her can-do spirit falters.

"There are these fears in the background, and they are suppressed," said Ms. Reid, who is now selling some of her jewelry and clothes online and is late on some credit card payments. "I have had nightmares about becoming a bag lady," she said. "It could happen to anyone. So many people are so close to it, and they don't even realize it."

Being unemployed at any age can be crushing. But older workers suspect their resumes often get shoved aside in favor of those from younger workers. Others discover that their job-seeking skills — as well as some technical skills sought by employers — are rusty after years of working for the same company.

Many had in fact anticipated working past conventional retirement ages to gird themselves financially for longer life spans, expensive health care and reduced pension guarantees.

The most recent recession has increased the need to extend working life. Home values, often a family's most important asset, have been battered. Stock portfolios are only now starting to recover. According to a Gallup poll in April, more than a third of people not yet retired plan to work beyond age 65, compared with just 12 percent in 1995.

Older workers who lose their jobs could pose a policy problem if they lose their ability to be self-sufficient. "That's what we should be worrying about," said Carl E. Van Horn, professor of public policy and director of the John J. Heldrich Center for Workforce Development at Rutgers University, "what it means to this class of the new unemployables, people who have been cast adrift at a very vulnerable part of their career and their life."

Forced early retirement imposes an intense financial strain, particularly for those at lower incomes. The recession and its aftermath have already pushed down some older workers. In figures released last week by the Census Bureau, the poverty rate among those 55 to 64 increased to 9.4 percent in 2009, from 8.6 percent in 2007.

But even middle-class people who might skate by on savings or a spouse's income are jarred by an abrupt end to working life and to a secure retirement.

"That's what I spent my whole life in pursuit of, was security," Ms. Reid said. "Until the last few years, I felt very secure in my job."

As an auditor, Ms. Reid loved figuring out the kinks in a manufacturing or parts delivery process. But after more than 20 years of commuting across Puget Sound to Boeing, Ms. Reid was exhausted when she was let go from her $80,000-a-year job.

Stunned and depressed, she sent out resumes, but figured she had a little time to recover. So she took vacations to Turkey and Thailand with her husband, who is a home repairman. She sought chiropractic treatments for a neck injury and helped nurse a priest dying of cancer.

Most of her days now are spent in front of a laptop, holed up in a lighthouse garret atop the house that her husband, Denny Mielock, built in the 1990s on a breathtaking piece of property overlooking the sound.

As she browses the job listings that clog her e-mail in-box, she refuses to give in to her fears. "If I let myself think like that all the time," she said, "I could not even bear getting out of bed in the morning."

With her husband's home repair business pummeled by the housing downturn, the bills are mounting. Although the couple do not have a mortgage on their 3,000-square-foot house, they pay close to $7,000 a year in property taxes. The roof is leaking. Their utility bills can be $300 a month in the winter, even though they often keep the thermostat turned down to 50 degrees.

They could try to sell their home, but given the depressed housing market, they are reluctant.

"We are circling the drain here, and I am bailing like hell," said Ms. Reid, emitting an incongruous cackle, as if laughter is the only response to her plight. "But the boat is still sinking."

It is not just the finances that have destabilized her life.

Her husband worries that she isolates herself and that she does not socialize enough. "We've both been hard workers our whole lives," said Mr. Mielock, 59. Ms. Reid sometimes rose just after 3 a.m. to make the hourlong commute to Boeing's data center in Bellevue and attended night school to earn a master's in management information systems.

"A job is more than a job, you know," Mr. Mielock said. "It's where you fit in society."

Here in the greater Seattle area, a fifth of those claiming extended unemployment benefits are 55 and older.

To help seniors polish their job-seeking skills, WorkSource, a local consortium of government and nonprofit groups, recently began offering seminars. On a recent morning, 14 people gathered in a windowless conference room at a local community college to get tips on how to age-proof their resumes and deflect questions about being overqualified.

Motivational posters hung on one wall, bearing slogans like "Failure is the path of least persistence."

Using PowerPoint slides, Liz Howland, the chipper but no-nonsense session leader, projected some common myths about older job-seekers on a screen: "Older workers are less capable of evaluating information, making decisions and problem-solving" or "Older workers are rigid and inflexible and have trouble adapting to change."

Ms. Howland, 61, ticked off the reasons those statements were inaccurate. But a clear undercurrent of anxiety ran through the room. "Is it really true that if you have the energy and the passion that they will overlook the age factor?" asked a 61-year-old man who had been laid off from a furniture maker last October.

Gallows humor reigned. As Ms. Howland — who suggested that applicants remove any dates older than 15 years from their resume — advised the group on how to finesse interview questions like "When did you have the job that helped you develop that skill?" one out-of-work journalist deadpanned: "How about 'during the 20th century?'"

During a break, Anne Richard, who declined to give her age, confessed she was afraid she would not be able to work again after losing her contract as a house director at a University of Washington sorority in June. Although she had 20 years of experience as an office clerk in Chattanooga, Tenn., she feared her technology skills had fallen behind.

"I don't feel like I can compete with kids who have been on computers all their lives," said Ms. Richard, who was sleeping on the couch of a couple she had met at church and contemplating imminent homelessness.

Older people who lose their jobs take longer to find work. In August, the average time unemployed for those 55 and older was slightly more than 39 weeks, according to the Labor Department, the longest of any age group. That is much worse than in August 1983, also after a deep recession, when someone unemployed in that age group spent an average of 27.5 weeks finding work.

At this year's pace of an average of 82,000 new jobs a month, it will take at least eight more years to create the 8 million positions lost during the recession. And that does not even allow for population growth.

Advocates for the elderly worry that younger people are more likely to fill the new jobs as well.

"I do think the longer someone is out of work, the more employers are going to question why it is that someone hasn't been able to find work," said Sara Rix, senior strategic policy adviser at AARP, the lobbying group for seniors. "Their skills have atrophied for one thing, and technology changes so rapidly that even if nothing happened to the skills that you have, they may become increasingly less relevant to the jobs that are becoming available."

In four years of job hunting, Ms. Reid has discovered that she is no longer technologically proficient. In one of a handful of interviews she has secured, for an auditing position at the Port of Seattle, she learned that the job required skills in PeopleSoft, financial software she had never used. She assumes that deficiency cost her the job.

Ms. Reid is still five years away from being eligible for Social Security. But even then, she would be drawing early, which reduces monthly payments. Taking Social Security at 62 means a retiree would receive a 25 percent lower monthly payout than if she worked until 66.

Ms. Reid is in some ways luckier than others. Boeing paid her a six-month severance, and she has health care benefits that cover her and her husband for $40 a month.

And she admits some regrets: she had a $180,000 balance in her 401(k) account, and paid $80,000 in penalties and taxes when she cashed it out early. She did not rein in her expenses right away. And now, her $500-a-week unemployment benefits have been exhausted.

She has since cut back, forgoing Nordstrom shopping sprees and theater subscriptions, but also cutting out red meat at home and putting off home repairs.

In order to qualify for accounting posts, she is taking an online training course in QuickBooks, a popular accounting software used by small businesses. She recently signed up for a tax course at an H&R Block tax preparation office in Seattle.

And she is plugging ahead with her current plan: to send out 600 applications to accounting firms in the area, offering her services for the next tax season. Eventually, she wants to open her own business.

With odd jobs and her husband's — albeit shriveled — earnings, she could stagger along. For now, she stitches together an income by gardening for neighbors, helping fellow church members with their computers, and participating in Internet surveys for as little as $5 apiece.

"You don't necessarily have to go through the door," Ms. Reid said. "You can go around it and go under it. I can be very creative. I think that I will eventually manage to pull this together."

RM2 firm creates land deal history

Urusharta Cemerlang (KL) pays RM210 million, or RM7,209.80 per sq ft, to a company controlled by Singapore's property tycoon Kwek Leng Beng for a vacant land in Jalan Bukit Bintang, Kuala Lumpur



A RM2 company is the buyer of the country's most expensive piece of land.

On Wednesday, Millennium & Copthorne Hotels plc (M&C), a company controlled by Singapore's property tycoon Kwek Leng Beng, sold 29,127 sq ft of vacant land in Jalan Bukit Bintang, Kuala Lumpur, to Urusharta Cemerlang (KL) Sdn Bhd for RM210 million, or RM7,209.80 per sq ft.

The previous record in a reported land sale was RM2,588 per sq ft for Wisma Angkasa Raya in Jalan Ampang in 2008.

A search at the Companies Commission of Malaysia revealed that Urusharta Cemerlang (KL) is owned by Tan Sri Zainol Mahmood and Shazni Sulaiman. The two have been its directors since 2006.


Zainol is the chairman of Urusharta Cemerlang Sdn Bhd and Pavilion Kuala Lumpur Sdn Bhd. Urusharta Cemerlang owns the Pavilion Kuala Lumpur shopping mall, which is also located in the Bukit Bintang area.

Urusharta Cemerlang is 51 per cent owned by Urusharta Cemerlang Development Sdn Bhd and 49 per cent by the Qatar Investment Authority(QIA).

Not much is known about Shazni.

In the financial year ended December 31 2009, Urusharta Cemerlang (KL), which is described as a dormant company, had current liabilities of RM5,010 and posted a net loss of RM1,305.

Real estate agents are describing the latest deal as "dizzying heights" and reckon that it could take many more years to surpass the figure.

But observers are wondering how and who will finance the acquisition given that the buyer is a RM2 company.

They also questioned whether QIA will later participate in the deal and what will be built on the land - an extended retail mall or luxury residences.

A mall would make sense given the land's proximity to Pavilion. However, at such a price, there is no doubt it could take more than the usual eight to 10 years to see a return on investment should a shopping complex be built.

It might recoup the investment faster if it built and sold high-end residences. After all, the land had been initially slated for the RM500 million Millennium Residences project.

In a statement issued in Kuala Lumpur on Wednesday, M&C said a 10 per cent deposit had been paid to its wholly-owned unit, CDL Hotels (Malaysia) Sdn Bhd, which owns the land.

The deal confirms a Business Times report early last month that a land deal was being negotiated by CDL Hotels which could fetch a record price of over RM3,000 per sq ft.

The latest deal is nearly three times the price paid per acre in several private sales of nearby land, and the highest ever in the country's history.

"This transaction has obviously set a new benchmark in the local property market. I view the transaction as a special transaction as it is a special purchaser - an adjoining property owner who probably places more value on the asset than others," said a real estate agent, who declined to be named.

It is understood that the YTL group, which owns the nearby Starhill Gallery, Lot 10 Shopping Centre and JW Marriott Hotel, had also been eyeing the land.

The deal is expected to be completed no later than the second quarter of 2012.

M&C's carrying value of the land was RM42.8 million. Based on this, the sale is expected to result in a pre-tax profit of RM164.1 million after taking into account transaction costs.

60 tips dapat jodoh

1. Semua orang ada jodoh atau pasangan yang menanti dan biasanya ia berada tidak jauh dari anda. Jarang orang bertemu dengan jodoh yang berada jauh darinya.

2. Jodoh itu ketentuan Allah dan kita wajib berusaha. Doa, usaha yang betul dan bersungguh-sungguh disertai dengan tawakkal, insyallah akan menemukan anda dengan pasangan anda.

3. Ramai orang masih belum bertemu jodoh kerana mudah patah semangat. Teruskan usaha sehingga anda bertemu jodoh.

4. Seimbangkan hidup anda dengan sempurna agar diri anda jadi seperti “magnet” yang menarik bakal pasangan anda kepada anda.

5. Daya tarikan yang sebenar berpusat di hati yang murni. Berusahalah untuk mencuci hati anda daripada semua perasaan yang negatif terhadap semua orang di dunia ini.

6. Agar mudah orang sayang, cuci hati dengan jaga ibadah, solat taubat, beristighfar, baca Al-Quran, maafkan orang lain, meminta maaf, bersedekah dan berfikiran positif.

7. Sayangi semua orang di sekitar anda dan anda akan menarik sayang terhadap anda. Jika anda membenci orang, ditakuti bakal pasangan anda akan membenci anda.

8. Orang yang sedang mencari pasangan harus sentiasa bersedia untuk bertemu dengan pasangannya pada bila-bila masa. Justeru, kita perlu sentiasa dalam keadaan yang paling menarik setiap masa. Tanggapan pertama adalah yang terpenting.

9. Untuk lelaki, tarikan pertama ialah pakaiannya. Untuk perempuan, wajah dan bentuk badan menjadi tarikan pertama. Sediakan diri untuk menawan bakal pasangan anda.

10. Buka hati dan minda anda untuk menerima cinta. Cinta boleh berputik pada bila-bila masa. Cinta mudah datang kepada mereka yang sentiasa bersedia untuk menerima cinta.

11. Cinta datang melalui mata lalu turun ke hati. Justeru, perhebatkan hubungan mata secara memandang bakal pasangan dengan penuh kasih sayang.

12. Kita boleh berkomunikasi melalui fikiran. Hantarlah kasih sayang dan hasrat murni anda terhadap pasangan dengan gelombang fikiran ini secara berterusan hingga berjaya.

13. Ramai yang terlepas peluang dan patah hati sebab lewat menyatakan hasrat kepada bakal pasangan. Perkara yang baik disegerakan (iaitu menyatakan perasaan anda kepada bakal pasangan).

14. Tidak salah untuk orang perempuan memulakan usaha untuk berkenalan. Orang lelaki akan sentiasa merasakan mereka yang memulakan perkenalan walaupun sebenarnya orang perempuan yang mulakan.

15. Berkomunikasi dengan mesra dan bersemangat menggunakan lidah, mata, hati dan bahasa badan. Elakkan bercakap sambil lewa atau kurang sopan terhadap bakal pasangan.

16. Berbual dengan pasangan mengenai apa yang dia suka. Beri tumpuan kepada minat dan perasaannya. Elakkan sibuk memberi tumpuan kepada diri sendiri.

17. Layan bakal pasangan dengan mesra seperti kawan lama walaupun baru berkenalan. Bentuk suasana keintiman dengan segera agar bakal pasangan rasa selesa.

18. Makin mudah kita menceritakan hal peribadi yang munasabah kepada bakal pasangan, semakin mudah dia menceritakan hal dirinya kepada kita.

19. Berdoa dan latih diri agar kita pandai mendampingi orang lain dan seronok untuk didampingi oleh orang lain. Buang perangai yang menyebabkan orang benci kepada kita.

20. Beri sayang untuk mendapat sayang. Orang yang masih ada perasaan benci terhadap sebarang orang boleh menyebabkan bakal pasangan benci atau tidak tertarik kepada kita. Justeru buang semua benci.

21. Untuk wanita, jangan jual mahal terhadap bakal pasangan. Tetapi, nyatakan dengan hikmah kepadanya yang anda amat sukar untuk berkenalan dengan lelaki lain.

22. Kebanyakan lelaki mudah tertarik kepada perempuan yang simple, tidak materialistik, mudah berterima kasih dan redha dengan setiap pemberian lelaki tersebut.

23. Orang perempuan mudah tertarik kepada lelaki yang memberi perhatian, penghargaan dan penghormatan kepada mereka. Justeru, orang lelaki janganlah terlalu jimat atau kedekut.

24. Orang lelaki perlu belajar mengenal kerenah orang perempuan. perasaan, pemikiran, kehendak, keperluan, kesukaan dan kebenciannya.

25. Elakkan memberi tumpuan kepada kelemahan dan kesilapan kecil yang ada pada bakal pasangan. Jangan sesekali mengutuk atau memalukan bakal pasangan.

26. Senyuman ikhlas, wajah yang menawan dan bahasa badan yang penuh kemesraan akan menambat lelaki terhadap wanita.

27. Orang mudah tertawan kepada bakal pasangan yang ada persamaan dan ada perbezaan sifat, tindakan dan minat. Terlalu banyak persamaan membosankan. Banyak sangat perbezaan menyesakkan.

28. Orang mudah tertarik kepada bakal pasangan yang ada sikap dan sifat yang saling mengimbangi dan melengkapkan sikap dan sifatnya.

29. Walaupun belum kenal rapat dengan bakal pasangan, nyatakan yang anda sering merasa atau berfikir seperti yang dia rasa atau fikir. Keserasian adalah tarikan.

30. Perempuan membentuk hubungan dengan berbual dan bercakap. Lelaki bentuk hubungan dengan melakukan sesuatu kegiatan secara bersama.

31. Orang mudah tertawan kepada bakal pasangan yang mempunyai persamaan daripada berbagai segi seperti kefahaman politik, aktiviti keagamaan, sikap terhadap harta, wang dan hobi.

32. Dua orang yang amat banyak perbezaan boleh serasi antara satu sama lain jika mempunyai satu atau dua persamaan yang mendalam seperti suka kepada kucing, suka melancong atau suka ramai anak.

33. Tindakan yang serentak akan menarik bakal pasangan terhadap anda. Contohnya, serentak berpaling, serentak angkat gelas, serentak berdiri, serentak nak ke tandas.

34. Tawan hati bakal pasangan dengan pamerkan emosi yang sama terhadap sesuatu kejadian atau peristiwa – sama-sama gembira, sedih, terperanjat, benci, simpati dan sebagainya.

35. Dua insan mudah serasi jika mempunyai pentafsiran yang sama mengenai hubungan – tahap keakraban, kebebasan, kebergantungan, pemberian, pengorbanan dan sebagainya.

36. Kenalpasti ciri-ciri yang disukai oleh bakal pasangan anda. Bentuk ciri-ciri yang disukai oleh bakal pasangan anda. Bentuk ciri-ciri ini dalam diri anda dan pamerkan kepadanya yang anda mempunyai ciri-ciri tersebut.

37. Semua orang mencari cinta sejati tanpa syarat. Bakal pasangan anda akan tertarik kepada anda jika anda mengasihinya bukan kerana wajah, harta, keturunan atau glamornya.

38. Bakal pasangan akan tertawan kepada anda jika anda dapat bantu mengukuhkan imej dirinya, rangsang semangatnya dan pupuk keyakinan dirinya.

39. Keikhlasan amat penting dalam memuji atau memotivasi bakal pasangan. Jika kita didapati bohong, dia akan terus menjauhkan diri daripada kita.

40. Pujian yang berhikmah dan ikhlas bertindak sebagai magnet yang menarik anda kepada bakal pasangan. Pujian daripada kawan baru lebih bermakna dan berkesan berbanding pujian daripada kawan lama.

41. Ulang sebut perkataan, ayat atau slogan yang digemari bakal pasangan anda. Ini menyebabkan dia rasa istimewa dan dihargai dan akan tertawan kepada anda.

42. Kenalpasti keistimewaan bakal pasangan anda yang orang lain tidak nampak. Sampaikan kehebatan ini dengan bersemangat dan dia akan mudah tertawan kepada anda.

43. Untuk bakal pasangan yang popular dan sering dipuji , cari pujian yang original untuk menambat hatinya. Untuk orang yang tidak popular, sebarang pujian amat dialukan dan dihargai.

44. Beri penghargaan serta merta kepada setiap pencapaian atau kejayaan bakal pasangan. Ini membelai dan melembutkan hatinya terhadap anda.

45. Jika bakal pasangan memuji anda, pamerkan keseronokan anda dengan senyuman dan ucapan terima kasih dan bersyukur. Dia akan rasa dihargai.

46. Cari keunikan, kelucuan atau ‘kegilaan’ bakal pasangan anda. Nyatakan yang anda suka kepadanya sebab keunikan tersebut. Ini buat dia rasa istimewa.

47. Ramai pasangan sengsara bila isteri terlalu cantik atau suami terlalu handsome. Justeru, cari bakal pasangan yang setara dan sepadan dengan kita.

48. Orang yang merasa dirinya hodoh sukar untuk mendapat pasangan. Carilah kecantikan yang ada pada anda dan bentuk keyakinan diri. Hati yang suci dan keyakinan yang tinggi menyerlahkan kecantikan anda.

49. Wanita mudah tertawan kepada lelaki yang gentleman – bersopan santun, suka membantu, menghormati wanita, berani dan yakin diri.

50. Untuk jadi lebih menawan, berterusan belajar, perbaiki perangai dan peribadi, baiki kemahiran komunikasi, murnikan hati, pemaaf dan sentiasa bersangka baik.

51. Lelaki harus mempamerkan sifat kelelakiannya di samping memasukkan sifat perempuan dalam dirinya seperti lebih prihatin, memahami emosi , timbang rasa, dan gunakan gerak batin.

52. Perempuan harus mempamerkan sifat kewanitaan disamping menghayati sifat lelaki seperti minat dalam politik, sukan, memancing, dan aktiviti macho yang lain. Bertindak bijak tapi, jangan terlalu bijak.

53. Untuk menambat hati wanita, kerap bertanya tentang perasaannya, aktiviti yang dijalankannya, kegemarannya, kebenciannya atau sebarang perkara yang berkaitan dengan emosi.

54. Sebelum benar-benar rapat, orang perempuan harus elakkan diri dari bertanya bakal pasangan mengenai perasaannya mengenai sesuatu perkara, peristiwa atau situasi.

55. Orang lelaki amat pantang bila bakal pasangan menempelak atau menunjukkan kesilapan atau kebodohan lelaki tersebut. Ini cara terbaik memutuskan hubungan.

56. Orang perempuan mudah tertawan kepada lelaki yang boleh mengaku salah, meminta maaf, meminta bantuan, bertolak ansur, pandai mendengar, bersabar dan lemah lembut terhadap wanita.

57. Bila bercakap dengan lelaki, orang perempuan harus fokus kepada fakta dan sampaikan secara ringkas. Penjelasan yang berjela-jela dan memasukkan unsur perasaan akan membunuh minat lelaki terhadapnya.

58. Jika orang perempuan marah, pujuklah dengan kasih sayang. Tanya kenapa dia marah, dengari dengan teliti dan jangan komen atau cuba beri nasihat. Orang perempuan mudah sayang pada lelaki yang pandai mendengar dan sensitif kepada perasaannya.

59. Jika lelaki marah, jangan sibuk nak tanya kenapa dia marah. Pamerkan kasih sayang dan bentuk suasana yang tenang. Doakan dia dan beri masa untuk dia merawat dirinya sendiri.

60. Fahami bahawa orang lelaki bercakap secara terus terang, ringkas dan objektif. Orang perempuan sering bercakap secara berlapik, terperinci dan banyak yang tersirat.

China millionaire says 100 others will donate riches

BEIJING (AFP) - – A rich Chinese businessman said he has convinced more than 100 other industrialists to give away their personal wealth, state-run Xinhua news agency reported on Wednesday.

Chen Guangbiao, who heads a resource recycling company, has said he will leave his entire fortune -- which state media has put at more than five billion yuan (735 million dollars) -- to charity after his death.

The pledge came ahead of a banquet for Chinese philanthropists to be hosted later this month by US billionaires Bill Gates and Warren Buffett, who have called on their wealthy compatriots to give away at least half of their assets.

Chen has convinced other Chinese entrepreneurs to donate their assets as well, Xinhua reported.

"Although the pledge-makers do not want to be exposed to the media, I give my sincere respect to their charity spirit," Chen was quoted saying.

The report gave no other details.

State press reports earlier said Chen was one of only two of China's super-rich to confirm their attendance at the Gates-Buffet event in Beijing on September 29.

The invitees were worried they would be pressured to donate by Gates and Buffett, the two richest Americans, the reports said.

Gates and Buffet insisted this week in a letter quoted by Xinhua that they would exert no such pressure and merely wanted to share their philanthropy experiences with others.

China has the second-most billionaires after the United States.

Selamat Hari Raya Aidilfitri 2010

Indonesian fashion scores Ramadan hit

JAKARTA (AFP) - – This Eid al-Fitr Muslim holiday, Malaysian Sharifa Ahmad is determined to make heads turn in her "Made in Indonesia" outfit -- a black flowing chiffon robe with embroidered neckline and matching headscarf hand stitched with Swarovski crystals.

"The dress is perfect for the holy day -- modest yet elegant. I'm definitely going to rock my little black Islamic dress," the 35-year-old civil servant told AFP.

Ahmad is among a growing number of Muslim fashionistas across the region who visit Indonesia to splurge on new festive clothes to celebrate the end of the Ramadan fasting month, which falls on September 10.

The country's booming Islamic fashion industry reported a spike in sales of about 20 to 30 percent as early as June, thanks mainly to buyers like Ahmad from neighbouring Malaysia and Singapore, retailers said.

Busloads of women flock to textile markets in cities like Jakarta and Yogyakarta to buy fabric, ready-to-wear dresses and headscarves, textile seller Azizah said.

"They will come in tour buses, choose what they like and buy 10 to 20 pieces of fabric. When they return to their countries, some telephone us to place more orders," she said.

Ahmad flew on a budget airline from Kuala Lumpur in July, bought the fabric at a textile market in Jakarta and sent it to an Indonesian seamstress "to work her magic" before getting an friend to post it to her in Malaysia.

"I paid 600,000 rupiah (66 dollars) for it, half of what I would pay if I had it made in Malaysia. It's a bargain for designer quality," she said.

Chiffon, silk and crepe fabrics draping the silhouette in softer pastel colours, highlighted by delicate embellishments on the neck lines, are top fashion picks this year. Plainer headscarves strewn with Swarovski crystals replaced last year's heavily-embroidered beehive and turban craze.

"Some people shop for themselves. Others buy to resell. They would buy 10 yards of fabric of the same design in three colours, tailor the dresses here and sell them at a higher price in their boutiques back home," textile merchant Vishal Kumar said.

Hoping to cash in on one of the most important dates on the Islamic calendar, Islamic fashion designer Dian Pelangi flew to Cairo, Abu Dhabi, London, Australia and Malaysia several months ago to hawk her wares.

She said she sold "thousands" of pieces from her Eid collection at fashion exhibitions in those countries for around 2.5 million rupiah (277 dollars) each.

"Arab women are glamorous. They love their bling. My Islamic brown robes with hand-drawn batik detail at the bottom were sold out. Those with beadwork and rhinestones were also popular," she added.

"Middle-eastern customers don't bargain much and when they like something, they buy a lot. Some buy 20 to 30 pieces at one go. It's a very lucrative market," Pelangi said.

Sales of her Islamic dresses, priced from 20 to 300 dollars, tripled in July and jumped 10 times in August as local buyers joined in, she said.

Indonesia offers lower prices, quality workmanship, creativity in design and a variety of fabrics, from batik and ikat weaving to gold-threaded songket.

Hassan Marican, director of Singaporean clothing company Second Chance Properties Limited, said it imported 20 percent of its ready-made festive dresses from Indonesia and sold them at double the cost price.

"We buy from Indonesia because it's cheap. For us businessmen, it all boils down to the price. Also we want some embroidery and beadwork. Our suppliers in China and Malaysia can't provide that," he told AFP.

"For Islamic fashion, Malaysia and Singapore always look to Indonesia for pointers. They're very creative. Their headscarf designs are unmatchable."

Industry Minister MS Hidayat said export of textiles and textile products this year was projected to reach 10 billion dollars, up from 9.26 billion dollars last year, or about eight percent of total exports.

While fashion creations represented only a small fraction of those exports, there is great room for expansion, he said.

"Fashion products have great potential to be developed. We're rich in natural resources and cultural heritage which can be inspiring and spur creativity," the minister said.

Indonesian Fashion Designers Association chairman Taruna Kusmaryuda Kusmayadi agreed.

He hopes Indonesian designers can help change the world's perception that Islamic attire is dull, stuffy and unfashionable.

"Sometimes when you mention Muslim or Islam, people develop an allergy. They think it's a very scary religion," he said.

"But Islamic attire can be both modest and stylish. And also fun. They aren't worn only during special Islamic days by country folks who read the Koran day and night. Modern city women wear them too while filling up gas for their BMWs," he added with a laugh.

"Islamic fashion is borderless."

Russians urged to smoke, drink more

MOSCOW, Sept 2 — Smoke and drink more, Russia’s finance minister Alexei Kudrin urged citizens yesterday, explaining that higher consumption would help lift tax revenues for spending on social services.

“If you smoke a pack of cigarettes, that means you are giving more to help solve social problems such as boosting demographics, developing other social services and upholding birth rates,” Kudrin said, quoted by the Interfax news agency.

“People should understand: Those who drink, those who smoke are doing more to help the state,” he said, offering unconventional advice as the Russian government announced plans to raise excise duty on alcohol and cigarettes.

Alcohol and cigarette consumption are already extremely high in Russia, where 65 per cent of men smoke and the average Russian consumes 18L of alcoholic beverages per year, mainly vodka, according to official statistics.

Russian duties on cigarettes are among the lowest in Europe, with most brands priced at around 40 rubles (approximately RM4) per pack and unfiltered cigarettes selling for much less.

The finance ministry in June announced plans to more than double excise duty on cigarettes over the next three years from 250 rubles per 1,000 filtered cigarettes to 590 rubles in 2013.

The move is likely to be unpopular in the nicotine-addicted nation where a cigarette shortage in the late 1980s and early 1990s incited protests and led then-president Mikhail Gorbachev to appeal for emergency outside shipments.

The state recently imposed a new minimum legal price for vodka, implemented a zero tolerance ban on drink-driving and banned night-time sales of alcohol to curb abuse blamed for the deaths of thousands of Russians every year.

Alcohol abuse kills around 500,000 Russians annually and greatly impacts male life expectancy, which is lower than in such developing countries as Bangladesh and Honduras, according to official figures. — AFP/Relaxnews