My customer bought a Great Eastern policy "Great Cash Wonder" in December last year. He bought it from a lady agent after she kept calling him, begging him to buy the policy so that she could hit her annual target for a trip.
The premium is RM13,100 annually, paid for 5 years, and matured in 20 years. Sum assured is RM25,000. Starting from first year, he will receive cash payment of 5% of sum insured, and on the 6th year until 20th year, 6% of the sum assured. Maturity benefit of guaranteed plus non-guaranteed is RM100K to RM140K.
After one year, he asked me to see whether it is worthwhile to keep the policy before he decides whether he should pay for the second premium. On replying my question of why he took the policy, he said the lady agent told him that the returns of this policy is very good. Of course, he was also kind enough to help her to achieve her sales target for a trip.
Using Excel spreadsheet to calculate, it is easy to make comparison. Assuming putting the same amount in Fixed Deposit, or Bond Fund, or managed fund, the returns is well above "Great Cash Wonder". Besides, when we "save" through an insurance policy, our money is locked for 20 years. I would say it is not a good way of saving money! In fact, the return is about 4%, which can't even break even with the inflation rate.
Why would consumers commit in such policies when they can make comparison so easily? This puzzles me. Perhaps the agents have good selling skills, perhaps they are good at twisting facts, or perhaps consumers makes decision irrationally.
Friday, 30 November 2012
Staying with in-laws
After 22 years of marriage, we have together gone through many ups and downs. There were arguments and adjusting of lifestyles to suit each other. There were times when we were worried about not earning enough, and there are times when we have rich blessings from God. All of these, we went through together, like the vow on our wedding day.
My in-laws came to stay with us on and off last year because my father-in-law had to receive cancer therapy at the hospital here.
After my father-in-law passed away, my sister-in-law commented to my hubby that in-law was unhappy with me because hubby had to do dinner cooking. In-law said I should not let hubby cooked because he has gout problem, and standing for too long in the kitchen might trigger gout pain.
Hubby said he just laughed over this because I spent more time in the kitchen preparing the food and doing all the washing. All he did was just to cook when I had finished preparing. After all, it is unfair for me to do everything in the kitchen because he brought in income and so did I. He worked and so did I.
I am glad hubby is fair but I still can't get over the feeling of being criticized behind my back. My hubby and I love one another and care for one another. Why should my in-laws make comments about our lifestyle after staying in my house. We are already half a century old. What I want to do is to live my own life without interference from my in-laws. Should they decide to stay with us for good, would I be able to take it?
My in-laws came to stay with us on and off last year because my father-in-law had to receive cancer therapy at the hospital here.
After my father-in-law passed away, my sister-in-law commented to my hubby that in-law was unhappy with me because hubby had to do dinner cooking. In-law said I should not let hubby cooked because he has gout problem, and standing for too long in the kitchen might trigger gout pain.
Hubby said he just laughed over this because I spent more time in the kitchen preparing the food and doing all the washing. All he did was just to cook when I had finished preparing. After all, it is unfair for me to do everything in the kitchen because he brought in income and so did I. He worked and so did I.
I am glad hubby is fair but I still can't get over the feeling of being criticized behind my back. My hubby and I love one another and care for one another. Why should my in-laws make comments about our lifestyle after staying in my house. We are already half a century old. What I want to do is to live my own life without interference from my in-laws. Should they decide to stay with us for good, would I be able to take it?
Saturday, 24 November 2012
Retirement of a School Principal
My friend, Mary, is a school principal at a primary school. Her salary has already reached RM5K recently. When she retires 3 years later, she will be getting at least RM2,500 from her pension.
Since she is single, no dependent, staying at school hostel and having no expensive hobby, she has accumulated at least half a million, and a terrace house monthly rental at RM800.
Another friend, Sarah, approached her to join her successful business in the insurance industry. Sarah is a single mother having 2 children. She worked very hard to raise her 2 children and eventually, successful in her insurance career.
Mary was attracted by Sarah's invitation of becoming an agent. After giving much thoughts about that, my advice to her is this.
Firstly, Mary will have no problem with her financial income after retirement. Other than her pension, she will have dividend from her unit trust investment, annuity from her insurance policy and rental from her house. Since she has no dependent, and no commitment other than her medical policy of about RM300p.m., she will have more than what she needs financially.
Secondly, Mary has been a teacher for more than 25 years, and after that promoted to be school principal until now. If she were in the insurance industry, she will be doing sales. This is totally different from teaching. She is a much respected figure in the school. If she starts calling her circle of friends to buy insurance policy, we believe very soon she will be turned off.
Thirdly, when we have reached 60 years old, assuming our life span is 75 years old, there is another 15 years to live. Does she want her next 15 years having a work like that?
When we are older, when money is no longer an issue, people normally want to do something meaningful in their remaining years. Some may involve themselves in charity work, religious activities or engaging in hobbies that they have always wanted to do.
Since she is single, no dependent, staying at school hostel and having no expensive hobby, she has accumulated at least half a million, and a terrace house monthly rental at RM800.
Another friend, Sarah, approached her to join her successful business in the insurance industry. Sarah is a single mother having 2 children. She worked very hard to raise her 2 children and eventually, successful in her insurance career.
Mary was attracted by Sarah's invitation of becoming an agent. After giving much thoughts about that, my advice to her is this.
Firstly, Mary will have no problem with her financial income after retirement. Other than her pension, she will have dividend from her unit trust investment, annuity from her insurance policy and rental from her house. Since she has no dependent, and no commitment other than her medical policy of about RM300p.m., she will have more than what she needs financially.
Secondly, Mary has been a teacher for more than 25 years, and after that promoted to be school principal until now. If she were in the insurance industry, she will be doing sales. This is totally different from teaching. She is a much respected figure in the school. If she starts calling her circle of friends to buy insurance policy, we believe very soon she will be turned off.
Thirdly, when we have reached 60 years old, assuming our life span is 75 years old, there is another 15 years to live. Does she want her next 15 years having a work like that?
When we are older, when money is no longer an issue, people normally want to do something meaningful in their remaining years. Some may involve themselves in charity work, religious activities or engaging in hobbies that they have always wanted to do.
Thursday, 15 November 2012
Orchid Growing On Mango Tree
I suddenly noticed this beautiful orchid flowering. Thanks to the rainy season. Aren't they beautiful? It is just next to my car porch, and I didn't even notice it!
My sister tied the orchid onto my mango tree about 3 years ago. I have not taken care of it. It just grows by itself. Take note of the fern leaves on my mango tree. I didn't put it there. It just grows by itself, as well. As for the mango tree, I did not grow it too. The previous house owner grew it, and I have had its fruits for almost 20 years. Am I not very lucky?
Tuesday, 13 November 2012
Monday, 12 November 2012
How much do you need to insure-Death Benefit
David was 35 years old, married with 3 children, aged 8,6 and 4. He worked as bank manager. His wife was an administrative executive before she had 2nd child. Rose chose to quit her job to take care of their 3 children. Both David and Rose were happy with the arrangement as the bank demanded long working hours. With one salary, David and Rose were frugal with their spending.
One day, David was involved in a car accident. He passed away on the same day.
Losing her husband, Rose was emotional sad and distraught. The children were afraid. Then came the funeral, medical bills, the housing loan, car loan and living expenses of the family. Rose felt alone facing the financial needs.
From this story, we understand that the emotional loss could not be compensated with monetary term. As for other monetary needs, if David left behind a life insurance sufficient to pay off the housing loan, car loan, funeral expenses, medical bills and at least 3 years living expenses for Rose to take some time to get back to her job, Rose would be very grateful. Even though physically her husband left her, he had taken care of a home, a car and the financial responsibility of a husband.
How much should David cover his life? He could add up all the outstanding loans, and based on affordability, at least 3 years of living expenses.
How long to cover? David did not have to buy whole life policy. Assuming all his children will attain tertiary education and be financial independant at the age of 25, David only needed to cover for 24 years assuming the loans had paid off at that time.
Buy term life is much practical than whole life. Premium is much cheaper.
One day, David was involved in a car accident. He passed away on the same day.
Losing her husband, Rose was emotional sad and distraught. The children were afraid. Then came the funeral, medical bills, the housing loan, car loan and living expenses of the family. Rose felt alone facing the financial needs.
From this story, we understand that the emotional loss could not be compensated with monetary term. As for other monetary needs, if David left behind a life insurance sufficient to pay off the housing loan, car loan, funeral expenses, medical bills and at least 3 years living expenses for Rose to take some time to get back to her job, Rose would be very grateful. Even though physically her husband left her, he had taken care of a home, a car and the financial responsibility of a husband.
How much should David cover his life? He could add up all the outstanding loans, and based on affordability, at least 3 years of living expenses.
How long to cover? David did not have to buy whole life policy. Assuming all his children will attain tertiary education and be financial independant at the age of 25, David only needed to cover for 24 years assuming the loans had paid off at that time.
Buy term life is much practical than whole life. Premium is much cheaper.
Getting Rich
How to define rich? Rich usually refers to abundance of assets and money in personal finance. Whether you are very rich or have enough to be comfortable with basic needs, the feeling varies from person to person.
The old Chinese saying 大富由天，小富从俭. I translate it as "being very rich comes from God (fated), and being well-off comes from thrifty life".
李嘉诚Lee Ka Hing is one of the richest Chinese. He worked very hard to build up his businesses. I believe many people work as hard as Lee but very few succeed like him. Anyway, there is no shortcut to getting successful in business and you need to be "blessed" to be super rich like him.
Not everyone is born business minded. Not everyone is born clever in study. However, everyone can work hard to bring in income, and extra income, for himself. I believe everyone can be well-off financially by being careful with their spending and their investments.
How to be contented with what we have? Be satisfied what you have. 小富即安.
The old Chinese saying 大富由天，小富从俭. I translate it as "being very rich comes from God (fated), and being well-off comes from thrifty life".
李嘉诚Lee Ka Hing is one of the richest Chinese. He worked very hard to build up his businesses. I believe many people work as hard as Lee but very few succeed like him. Anyway, there is no shortcut to getting successful in business and you need to be "blessed" to be super rich like him.
Not everyone is born business minded. Not everyone is born clever in study. However, everyone can work hard to bring in income, and extra income, for himself. I believe everyone can be well-off financially by being careful with their spending and their investments.
How to be contented with what we have? Be satisfied what you have. 小富即安.
Investment-linked statement
Do not chuck away your investment-linked annual statement when you received it normally in Feb. Most of us would have our medical card and critical illness cover attached in investment-linked policies. Therefore it is important to ensure that our premium and the units value are sufficient to cover next year's insurance charges and service charge. DO NOT ASSUME that the premium is level throughout the duration of the policies.
Using the projected insurance and service charges table, work out how much you need for next year.
Giving you a live example of what Mr.A's age 51 Prulink Assurance Account paying RM1800 premium annually.
Death Benefit RM30K
Crisis Cover Benefit RM30K
PRUdisability provider Benefit RM3K
PRUmajor med Benefit 100 (medical card, Daily R&B 100/day, Annual Limit RM50K)
PRUpayor Basic RM1,800
Summary of projected insurance and service charge:
Projected Insurance charges for age 51 is
(4.69 X 30) + (5.34 X 30) + (0.9 X 3) + (360.19) + (8.64 X 18) + (96) = 915.31
Projected Insurance charges for age 52 is
(5.26 X 30) + (5.89 X 30) + (0.9 X 3) + (391.03) + (9.39 X 18) + (96) = 993.25
Projected Insurance charges for age 56 is
(8.27 X 30) + (7.51 X 30) + (0.9 X 3) + (490.97) + (11.19 X 18) + (96) = 1264.79
Take note that there is a 38% rise in the charges from age 51 to age 56, 5 years difference only.
Based on the annual statement received this year, we can only project maximum 6 years later.
Mr. A plans to hold his policy until 70 years old. The insurance charges increase more as a person gets older. When Mr.A is 60 years old, the charges will definitely be more than RM1800 which is his annual premium. The shortfall will be deducted from the units value in the account. If Mr.A has withdrawn his units from the policy account, (which you are allowed to), it is very likely that he will lapse his policy unless he pays more for his premium.
Work out the projected charges carefully each time you received your annual statements. You don't want to be caught by surprise that your policy has lapsed when you need it for medical bills!
Using the projected insurance and service charges table, work out how much you need for next year.
Giving you a live example of what Mr.A's age 51 Prulink Assurance Account paying RM1800 premium annually.
Death Benefit RM30K
Crisis Cover Benefit RM30K
PRUdisability provider Benefit RM3K
PRUmajor med Benefit 100 (medical card, Daily R&B 100/day, Annual Limit RM50K)
PRUpayor Basic RM1,800
Summary of projected insurance and service charge:
Projected Insurance charges for age 51 is
(4.69 X 30) + (5.34 X 30) + (0.9 X 3) + (360.19) + (8.64 X 18) + (96) = 915.31
Projected Insurance charges for age 52 is
(5.26 X 30) + (5.89 X 30) + (0.9 X 3) + (391.03) + (9.39 X 18) + (96) = 993.25
Projected Insurance charges for age 56 is
(8.27 X 30) + (7.51 X 30) + (0.9 X 3) + (490.97) + (11.19 X 18) + (96) = 1264.79
Take note that there is a 38% rise in the charges from age 51 to age 56, 5 years difference only.
Based on the annual statement received this year, we can only project maximum 6 years later.
Mr. A plans to hold his policy until 70 years old. The insurance charges increase more as a person gets older. When Mr.A is 60 years old, the charges will definitely be more than RM1800 which is his annual premium. The shortfall will be deducted from the units value in the account. If Mr.A has withdrawn his units from the policy account, (which you are allowed to), it is very likely that he will lapse his policy unless he pays more for his premium.
Work out the projected charges carefully each time you received your annual statements. You don't want to be caught by surprise that your policy has lapsed when you need it for medical bills!
Sunday, 11 November 2012
Buying Life Insurance
I bought my first life insurance policy when I was 27 years old 24 years ago. My friend in the church approached me to join his Great Eastern group as part-time job. I was working as a programmer at that time after graduated in Computer Science. Life was simple in the 1980s. There wasn't much to do after work. I agreed and took up the first policy as my first business case in this insurance line. In fact, most insurance agents buys for themselves the first policy.
My first policy was GE Economilife, sum assured RM25K with medical rider of RM900 per hospitilisation, max surgical claim was RM15K lifetime, and RM30/day hospital benefit. Premium was RM56.45/mth. I had no idea of the purpose of life insurance. Most of my friends purchased from me because they deemed life insurance a saving tool as the returns from sales illustrative were very impressive. Anywhere, I gave up selling life insurance to focus on my software engineering career in less than a year.
I bought my second life insurance policy when I was 34. I heard about 36 critical illness policy and felt that it was important to have in case I have Critical Illness. My agent sold me Great Eastern Living Care-Whole Life Assurance with Cash Bonus. Sum Assured was RM40K, premium RM109.55/mth.
My 3rd life insurance policy is Prudential Investment-linked, with medical card (daily R&B 200, RM75K per annum and RM225K life time) and critical illness cover (RM80K). RM329.94/mth. This time I bought this policy with very clear purpose in my mind, I was 40. I cancelled my 2nd policy with Great Eastern because the CI premium is cheaper when attached with investment-linked. I also cancelled the medical rider in my first policy. Until now, I am only maintaining 2 policies.
My first policy was GE Economilife, sum assured RM25K with medical rider of RM900 per hospitilisation, max surgical claim was RM15K lifetime, and RM30/day hospital benefit. Premium was RM56.45/mth. I had no idea of the purpose of life insurance. Most of my friends purchased from me because they deemed life insurance a saving tool as the returns from sales illustrative were very impressive. Anywhere, I gave up selling life insurance to focus on my software engineering career in less than a year.
I bought my second life insurance policy when I was 34. I heard about 36 critical illness policy and felt that it was important to have in case I have Critical Illness. My agent sold me Great Eastern Living Care-Whole Life Assurance with Cash Bonus. Sum Assured was RM40K, premium RM109.55/mth.
My 3rd life insurance policy is Prudential Investment-linked, with medical card (daily R&B 200, RM75K per annum and RM225K life time) and critical illness cover (RM80K). RM329.94/mth. This time I bought this policy with very clear purpose in my mind, I was 40. I cancelled my 2nd policy with Great Eastern because the CI premium is cheaper when attached with investment-linked. I also cancelled the medical rider in my first policy. Until now, I am only maintaining 2 policies.
Saturday, 10 November 2012
Using Virgin Coconut Oil
So much benefits have been heard about VCO recently. My mother-in-law uses it to replace her laxative a few weeks ago and she found it good. My husband's cousin sister is using it to reduce weight. I don't know whether she has lost any weight but she is asking my husband to help her buy another 2 bottles.
Seeing that my brother-in-law's dark patches on his face, and his skin looks older than he actually is, a friend gave him 2 bottles to drink 2 tablespoons every morning. He said he didn't like the oily taste and he feels like throwing out after several weeks. I don't see any visual changes yet.
As for myself, my brother-in-law gave us one bottle. Since it comes free, I use it on the old-aged spot on my face. In fact, I am using it for my whole face, hands and legs. I have used it for one week. Let me try for one month and see whether the old-aged spots will lighten.
Next would be oil pulling on my gum. I have a tooth that has gingivitis problem for almost 2 years. The dentist doesn't know what to do. I'll try oil pulling starting tomorrow morning.
Seeing that my brother-in-law's dark patches on his face, and his skin looks older than he actually is, a friend gave him 2 bottles to drink 2 tablespoons every morning. He said he didn't like the oily taste and he feels like throwing out after several weeks. I don't see any visual changes yet.
As for myself, my brother-in-law gave us one bottle. Since it comes free, I use it on the old-aged spot on my face. In fact, I am using it for my whole face, hands and legs. I have used it for one week. Let me try for one month and see whether the old-aged spots will lighten.
Next would be oil pulling on my gum. I have a tooth that has gingivitis problem for almost 2 years. The dentist doesn't know what to do. I'll try oil pulling starting tomorrow morning.
Friday, 9 November 2012
Hair Dyeing
Time flies! My son asked whether when one gets older, time seems to go faster. Generally, yes, he is right. He said when he was small, time was slow. As he gets older, time seems to be fast.
My hair is my monthly calendar. When it is time to dye my hair, with the white hair showing up, I know it is another month!
Many people said that frequent hair colouring can cause cancer. But, who don't mind showing white hair? People above 50 looked old before. However, in the present time, 50s still have a long way to go! People waited for retirement when they were 50 before, but not many people dare to retire early nowadays! How to carry white hair around when you are still active in your business and in the workforce? I do sales. I don't want to look old to see my customers especially when I go out to see much younger customers than I am.
Inwardly, I would feel old if I see myself looking old on the outside. Looking younger gives me much energy to move on. LOL.
My hair is my monthly calendar. When it is time to dye my hair, with the white hair showing up, I know it is another month!
Many people said that frequent hair colouring can cause cancer. But, who don't mind showing white hair? People above 50 looked old before. However, in the present time, 50s still have a long way to go! People waited for retirement when they were 50 before, but not many people dare to retire early nowadays! How to carry white hair around when you are still active in your business and in the workforce? I do sales. I don't want to look old to see my customers especially when I go out to see much younger customers than I am.
Inwardly, I would feel old if I see myself looking old on the outside. Looking younger gives me much energy to move on. LOL.
Thursday, 8 November 2012
Frugal vs Stingy
A speaker from a renowned unit trust company in a Financial Planning session blasted out frugal living as "Giam Siap" (in Hokien meaning stingy).
I have a thought about this. Is frugal life a stingy life? No, frugal life is spending your money wisely, and not wasteful. Stingy life is reluctant to use your money, not spending and not giving.
In fact, frugal life or stingy life is very objective. A person who barely have sufficient income to provide his basic needs has to live a frugal life. Other people may see him as stingy. Another person may have lived a difficult life before. When money comes by, he will safeguard it carefully. Other people will see him as a stingy person who doesn't spend on himself to live comfortably.
I know of a couple who did not have steady income because both of them had never hold a job for long. They were very tight on their budget. They lived with the husband's family. They didn't contribute on any family expenses. I would say that they saved practically every cent. The wife must be feeling insecure financially. Finally when both of them have stable jobs, I would guess their monthly income was at least RM7000. However, they are still extremely carefully with their spending, so much so that they would take every opportunity to let others pay for their bills, even for their children's education expenses. This, I would see as money phobia. Having a negative opinion on them may be unfair as inwardly they are very fearful of parting with their money.
My parents went through the 2nd world war. Life was not easy. Every men had to use their labour to work and earn for the family. My father was very careful with money as there were ten mouths to feed. He worked very hard, and taking every opportunity to earn money. I really appreciate for what he did for the family. By his example, all of us are prudent in money management.
We had gone through difficult time as well. Sometimes life is like that. When things don't go smooth, everything seems to be not right with you. I am very glad that we had some savings to see us through. We also did not have any loans and debts at that time. My husband hired two Indonesian girls to make some home baked biscuits for sell. Life was tiring but I was very happy because my husband's willingness to put off his status to make sure that he brought home some income. I saw the very "man" in him who took the responsibility as the man in the family. After 9 months, he finally got his feet back to his profession.
I thank God for the experience even though I don't wish to go through the whole thing again. I love my husband more and my children also learned to be careful with money. I believe these are valuable to us.
I have a thought about this. Is frugal life a stingy life? No, frugal life is spending your money wisely, and not wasteful. Stingy life is reluctant to use your money, not spending and not giving.
In fact, frugal life or stingy life is very objective. A person who barely have sufficient income to provide his basic needs has to live a frugal life. Other people may see him as stingy. Another person may have lived a difficult life before. When money comes by, he will safeguard it carefully. Other people will see him as a stingy person who doesn't spend on himself to live comfortably.
I know of a couple who did not have steady income because both of them had never hold a job for long. They were very tight on their budget. They lived with the husband's family. They didn't contribute on any family expenses. I would say that they saved practically every cent. The wife must be feeling insecure financially. Finally when both of them have stable jobs, I would guess their monthly income was at least RM7000. However, they are still extremely carefully with their spending, so much so that they would take every opportunity to let others pay for their bills, even for their children's education expenses. This, I would see as money phobia. Having a negative opinion on them may be unfair as inwardly they are very fearful of parting with their money.
My parents went through the 2nd world war. Life was not easy. Every men had to use their labour to work and earn for the family. My father was very careful with money as there were ten mouths to feed. He worked very hard, and taking every opportunity to earn money. I really appreciate for what he did for the family. By his example, all of us are prudent in money management.
We had gone through difficult time as well. Sometimes life is like that. When things don't go smooth, everything seems to be not right with you. I am very glad that we had some savings to see us through. We also did not have any loans and debts at that time. My husband hired two Indonesian girls to make some home baked biscuits for sell. Life was tiring but I was very happy because my husband's willingness to put off his status to make sure that he brought home some income. I saw the very "man" in him who took the responsibility as the man in the family. After 9 months, he finally got his feet back to his profession.
I thank God for the experience even though I don't wish to go through the whole thing again. I love my husband more and my children also learned to be careful with money. I believe these are valuable to us.
Sunday, 4 November 2012
Spanish Food in KK - La Fuente, 1Borneo
Even though staying in KK, I don't explore where to eat much until Groupon.com comes by. I love to try out different food. This time Groupon.com offers this restaurant that serves Spanish Food. I ordered for 4 persons but only 3 of us are going.
Patatas Bravas,potato cooked with tomato paste
European bread
Some spanish picture portraits on the wall
Ceiling wine racks, the menu shows that this restaurant serves a lot of wines
Spring Roll, oriental food
garlic bread
Paella, spanish rice
Overall, my husband and my son didn't like the food much except for the Patatas Bravas. I was there to try out paella. It is like chinese claypot chicken, cooking rice with different utensil, and different ingredients. I don't mind the food, as I like to try out new food.
Mincing Meat
I finally have a food processor to mince pork! I bought this in SenQ in Suria Sabah. RM289, 2 years extended warranty. It only takes me in less than 20 seconds to mince the meat. I am very, very please with it. It used to take me at least 30 min to slice and to chop and it has never come to this fine. My son is also very happy because he knows my recipes will be expanded. This Panasonic MK-5087M is the only food processor I can find in SenQ. Anywhere, I am very happy with this. It is easy to use, fast, and easy to clean. Highly recommended.
Durian
Husband bought two durians on his way back to KK from Papar. We love durians but my children dislike durians. It almost rains everyday these few weeks. It is not recommended to buy durians during rainy season as the durians may dropoff from the tree because of the wind and heavy rain. These kind of durians are not ripe on the tree and therefore don't taste good. Too much rain also make the durians meat soggy. Hubby forgot the rule of thumb because he couldn't resist the sight of the durians.
Banana - Pisang Gelangang
This is Pisang Gelangang. Pisang means banana in Malay word. This is from my uncle's garden in Keningau. He grows fruit trees and rear some pigs, cows, chickens and goats in his small farm. He is a veterinarian and chose to live simple life in Keningau.
Old Town Coffee in City Mall
My husband and I had a cup of NanYang coffee at Old Town coffee house in City Mall last night. The coffee was sour, very sour. I took a few sips only. This tasted bad, and the colour of the coffee was very, very dark. Just wonder why Old Town coffee doesn't taste good but it can go IPO.
The Lady Who Sells Coconut On Lorry
This is the local girl who sells coconut in Taman Foh Sang. Her hand is really fast and sharp. Holding one coconut with one hand, she can crack the coconut using cleaver in one minute. I forgot to bring water container to hold the coconut water. So, she just remove the outer shell for me. However the crust was too hard for me to dig a hole on top. Brought back the coconut for her to crack the coconut for me. She can sell about 200 coconuts in a day. Each week they come on Saturday early morning and return to Kota Marudu on Sunday evening. Tough girl.
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