Restructuring

Late 2012, I started looking into restructuring my life financially by getting rid of unwanted things and reorganised for saving.

I refinanced my houses. !0 years ago Islamic loan was expensive. Now the rates are competitive. Even with the lawyer fees and stamp duty and also new housing insurance, I still save a lot and extra cash.

I sold my 17 years old car and bought a scooter for my wife to retain my car registration number. Old car started giving problem and put aside all sentimental element, you have to go.

I cancelled my Astro. I opt for cheaper alternative.

I tried to cancel my credit card but unsuccessful after they waived all renewal fees.

All because, I aim to be financially free when I reached 50.

financialfreedom

 

Thai Blood

End of last year family vacation turned into visiting-long-distance-relatives event. We met relatives from my mother’s side at Phuket, Ko Yao Yai, Ko Yao Noi and Nakhon Si Tammarat. All were made possible due to my father effort of finding them during his History Society of Kedah searching for descendants of Mahsuri a few years ago.

Communication was a biggest problem but the Thai blood that run through our veins spoke for us. Meeting relatives from my mother’s side made me thinking more about my mother.

We’ll be back.


Arrived at Ko Yao Yai after 45 minutes boat ride.

10 minutes boat ride from Ko Yao Yai to Ko Yao Noi terrified a non-swimmer like me.

Religious pondok started by my great grandfather in Ko Yao Noi island.

We prefer Kamala Beach compare to Patong Beach. We managed to get a nice chalet run by Muslim for THB1000 which is just 10 meters from the beach. I heard the owner quoted THB2000 when asked by western tourist.

Last night at Nakhon Si Tammarat. We had a nice dinner at Tha Sala beach.

 

Sitcom Addict – The Big Bang Theory

I am addicted to television sitcoms (situational comedies). My all time favourite is Friends. I used to like English and Hindi movies and drama. But now everything seems too long for me. Time is too precious to waste.

Now I opt for Sitcoms. Without advertisement they are just 20 minutes long. I sometimes have 20 minutes to waste.

I downloaded all of them from internet to watch. Saved in thumbdrive, plugged in TV and watched whenever convenient to me.

Now I love The Big Bang Theory which currently in season 6 in the US. It is a story about nerds. The other one is How I met Your Mother which currently in season 8 in the US.

 

Enduro DH Gunung Jerai

Many turned up with a lot of guts to take the challenge of the longest downhill track in the north. They started at Jerai Resort at 950m from sea level, down to Titi Besi at 750m, then reached at the top of Tangga Kenari at 300m. Tangga Kenari ended at 130m.

The organiser put a huge effort to make it a great event.

I’m too old for this.

2 lorries to transport the bicycles and 3 vans to carry the riders

Titi Besi: The trickiest part.

My family hiked down the same route

Exploring Thailand: Hatyai – Bangkok – Chiang Rai – Chiang Mai

When I planned a trip, normally if possible, it will cover at least 2 places. A few trips I made before are Penang-KK-Kuching-Penang, Penang-Jakarta-Bandung-Penang and Delhi-Umrah.

Now this trip came to mind for end of next year and I would like to share here.

  • Day 1: Alor Setar – Hatyai  | By car
  • Day 1: Hatyai – Bangkok (8.30 – 9.55 – AirAsia) 2 nights Bangkok
  • Day 3: Bangkok – Chiang Rai (9.30 – 10.50 AirAsia) 2 nights
  • Day 5: Chiang Rai – Chiang Mai | Bus
  • Day 7: Chiang Mai – Hatyai (10.40 – 12.45 AirAsia)
  • Day 7: Hatyai – Alor Setar | Car

7 Days 6 Nights Trip. The budget for travel cost is RM300 only and I will cover the most of Thailand. No what I have to do is wait for AirAsia sale.

Chiang Rai