Wednesday, July 27, 2011

Thoughts to Think On

This is an email I received yesterday. I thought it would be nice to share it with you all this morning. What a great way to start the day.

Relax your mind and humble your heart to focus on Christ. Allow God to be the only person on your mind while you read this prayer. If we can take the time to read long jokes, stories, etc., we should give the same respect to this prayer. Friends, who pray together, stay together. 




 
Dear Lord, I thank you for this day. I thank You for my being able to see and to hear this morning. I'm blessed because You are a forgiving God and an understanding God. You have done so much for me and You keep on blessing me. Forgive me this day for everything I have done, said or thought that was not pleasing to you. I ask now for Your forgiveness

Please keep me safe from all danger and harm. Help me to start this day with a new attitude and plenty of gratitude. Let me make the best of each day to clear my mind so that I can hear from You.

Let me not whine and whimper over things I have no control over. Let me continue to see sin through God's eyes and acknowledge it as evil. And when I sin, let me repent, and confess with my mouth my wrongdoing, and receive the forgiveness of God.

And when this world closes in on me, let me remember Jesus' example -- to slip away and find a quiet place to pray. It's the best response when I'm pushed beyond my limits. I know that when I can't pray, You listen to my heart. Continue to use me to do Your will.

Continue to bless me that I may be a blessing to others. Keep me strong that I may help the weak.. Keep me uplifted that I may have words of encouragement for others. I pray for those who are lost and can't find their way. I pray for those who are misjudged and misunderstood. I pray for those who don't know You intimately. I pray for those who will delete this without sharing it with others. I pray for those who don't believe. But I thank you that I believe.

I believe that God changes people and God changes things. I pray for all my sisters and brothers. For every family member in their households. I pray for peace, love, and joy in their homes that they are out of debt and all their needs are met.

I pray that every eye that reads this knows there is no problem, circumstance, or situation greater than God. Every battle is in Your hands for You to fight.
  I pray that these words be received into the hearts of every eye that sees them and every mouth that confesses them willingly..

This is my prayer.
In Jesus' Name,
 
Amen.

Tuesday, July 26, 2011

Widget : How Much Tax Can I Save ?

Half of year 2011 has already passed. Have you ever thought of your next tax filing yet ? If you only take a look by next year, then it may be too late for you to optimize anything anymore. Try below widget and see how much the impact may be for you ! Just enter your total annual income and see how much tax you can save simply by planning early !!

Monday, July 25, 2011

Malaysia Best Rates 2011 July 25 Update

Fix Deposit


Affin Bank still offers the highest 3.6% for 12 months. 3.1% to 3.35% is common with all other banks. 1 month FD is mostly at 3% to 3.05%. Most of the foreign banks continue to offer lower FD rates.


Base Lending Rate


Most banks offers 6.6% now except JP Morgan Chase offers the lowest at 6.2%.


Saving Accounts


The Bank of Nova Scotia offers 2.05% while Bangkok Bank and Bank of Tokyo offers 2%


CIMB Air Asia Saver Account offers 1.6%


Don't forget you can get a simple widget
like above to show on your blog / web site.
Just visit here to see how.


Car Loan


Maybank continues to offer the lowest car loan rate starting from 2.7%. However, this is NOT a standard rate apply to all applicants. The actual rate can range up to 4.3%. Alliance bank on the other hand offers 2.8% to 3% which may be a better deal in general sense.


Bank Muamalat offers 2.85% for both New and Used cars but it requires an admin charges of RM600.


CIMB offers 3.25% for used cars.


Don't forget Car Loan rate is Fix Term Rate
which is effectively a MUCH HIGHER
than variable term rate
like House Loan and Fix Deposit.


House Loan


There are too many factors in considering a good house loan, so we don't think its fair to simply summarize them here.


Our advice is to source for at least 3 offers, preferably a mix of local and foreign banks.

Thursday, July 21, 2011

Income Tax : Plan vs Not, how much difference ?


Income Tax, to plan or not to plan. Or more precisely, plan now before year end or only worry about it when you file tax next year ... How much is the difference actually ?

Says my annual income in 2011 will be $40,000. If I plan well now ie.
  • buy a $1,600 life insurance
  • pay $5,000 for my parent medication
  • buy $1,00 reading materials
  • ...
I would most probably end up paying $12 tax. That means I can most probably claim back quite a sum of money depends on how much my monthly tax deduction is.

On the other hand, if I do none of the above to optimize my tax, I will most probably be paying $937 for my tax. That is a difference of $925 !!

Will you be interested to earn or save $925 just by reading article like this to get yourself well aware of how you should spend some of your money which is beneficial to you and your family anyway ?

If you annual income is $60,000 the tax difference btw plan vs not is $1,991
If you annual income is $80,000 the tax difference btw plan vs not is $3,606




Annual Income $40,000.00


















POTONGAN

Best Case Min Case

1 Individu dan saudara tanggungan 9000 9,000.00 9,000.00

20 Insuran nyawa dan KWSP 6,000 (Terhad) 6,000.00 4,400.00 1600
2 Perbelanjaan Perubatan Ibu Bapa 5,000 (Terhad) 5,000.00 0.00 5000
5 Yuran Pendidikan (Sendiri) 5,000 (Terhad) 5,000.00 0.00 5000
7 Pemeriksaan perubatan penuh 500 (Terhad) 500.00 0.00 500
8 Pembelian buku, majalah, jurnal dan penerbitan 1,000 (Terhad) 1,000.00 0.00 1000
9 Pembelian komputer peribadi untuk individu 3,000 (Terhad) 3,000.00 0.00 3000
10 Tabungan bersih dalam skim SSPN 3,000 (Terhad) 3,000.00 0.00 3000
11 Pembelian peralatan sukan untuk aktiviti sukan 300 (Terhad) 300.00 0.00 300
12 Yuran langganan Jalur Lebar 500 (Terhad) 500.00 0.00 500
22 Insurans pendidikan dan perubatan 3,000 (Terhad) 3,000.00 0.00 3000
3 Peralatan Sokongan Asas 5,000 (Terhad)



4 Individu Kurang Upaya 6000



6 Perbelanjaan perubatan penyakit yang sukar diubati 5,000 (Terhad)



13 Faedah pembelian rumah … 10,000 (Terhad)



14 Suami/Isteri/Bayaran alimoni kepada bekas isteri 3,000 (Terhad)



15 Suami/Isteri kurang upaya 3500



16 Anak di bawah umur 18 tahun 1000



17 Anak menerima pendidikan sepenuh masa 1000



18 Anak diploma Ijazah 4000



19 Anak Kurang upaya 5000



21 Skim anuiti 1,000 (Terhad)






36,300.00 13,400.00
$22,900.00









Taxable Income $3,700.00 $26,600.00







Tax Saving


Tax Payable $12.00 $937.00
$925.00

A Video for Your Viewing Pleasure

This is what we let the kids watch last night. They loved it! This is when cartoons were good:o)
Have a great Thursday!

Wednesday, July 20, 2011

Few More Bits of the Laundry Room

I have been lazy when has come to finishing up the laundry room. I have 2 more shelves to complete...one of which will be majorly awesome when it's done:o) Then there is the accessorization of said shelves. Anyway, I thought I would share a few things that are complete.
I found this bookshelf at a yard sale. It was falling apart and the previous owner had attempted to strip 4 layers of paint off of it. Needless to say, I had my work cut out for me. I used the Chalk Paint that everyone raves about.

  Here are my thoughts on Chalk paint. 
#1-it's expensive.
#2-if you have a business where you have to bust out refinished furniture on a weekly basis, then buy it. It dries quickly and very easy to work with...if you are a person such as myself who just revamps for fun, skip it. You can get a similar effect with spray paint and it's much cheaper.
#3-you can't roll it on b/c it goes on too thin, and the 2-coat coverage doesn't cut it. The bookshelf needed 4 coats....I realized on the 3rd coat I needed to brush it on.
Anyway, one can covered the bookshelf and the bench.
Speaking of the bench, I made a new bolster pillow for it.
 And here the two pieces are in the little corner. One of the shelves I haven't finished working on will go above the bench.
 I saw this "reminder" on another blog the other day, and decided I needed one for us as well. Theirs was on the door. I wanted mine to be above the door so it could be bigger. It's a great reminder every time we leave the house.
 I found this picture at a thrift store for $3. The shelf was given to me by my mother. I added the glass knobs so that my clients could hang their coats or purses on it...by the way, you do know that I do hair out of my laundry room right? I'll share pics of that spot later on:o)
 Here is a "little" treasure I picked up the other day...isn't it so cute?
 And another treasure. The frame needs a little work on the top. It's missing some trim, but I thought it was beautiful, so I got it anyway.
I hope to have the rest of the laundry room completed by the end of the week. I have a big gathering at my home next week, so that gives me a deadline to finish:o)
Have a great Wednesday!!!

Sunday, July 17, 2011

Facebook Page

Remember when I got off of Facebook a few months ago? Can I just say how liberating that has been? I have spent a lot less time caring about who just ate at which restaurant, and who just wiped their hind parts...really, people will put ANYTHING on Facebook.
I am back on the social networking bandwagon, but in a slightly different way. I have been on Facebook for a while now, but I am using it strictly for coupons. 
I had several people catching up on my post updates through FB and then I disappeared:o)
I have a new page opened up that is for Fussy Monkey Business. 
So if you get the urge to "like" me on Facebook, go for it! I like it when people like me:o)
And if you "friend request" me, don't get your feelings hurt when I don't "friend" you...like I said earlier, I am using it just for coupons and now updates for my blog. 
Hope you all had a fantastic weekend! I have some new treasures I will be sharing with you all soon! 

Saturday, July 16, 2011

Play mat for Baby

First of all I want to start off by saying THANK YOU to everyone for your comments and compliments. You guys are so sweet. You know how to make a girl feel good:o)
 I did get an apology, so all is forgotten.

On to other stuff....
This is a play mat that I made for my cousin who is having a baby in September.
 I found this pattern on etsy HERE.
 Close up of sweet Mrs. Owl...should have moved her over a bit...her eye is a little blendy with the background.
 Backside of the mat.
 Easy to roll up and pack away in your diaper bag.
To find this pattern, visit The Punky Monkey at etsy. She has so many cute patterns! It was easy to follow, and easy to construct....Thank you Punky Monkey!

Wednesday, July 13, 2011

Ruffle Bottom Dress

Another dress for your viewing pleasure...I hope;o)
 A bad shot of the hair bow I made to match the dress.
Happy Wednesday to you all!

A Word

In my last post, I shared with you all an outfit that I made for E and S.R. I thought they were sweet, and so did  several others who saw them donning their new apparel last week. 
The outfits were made to be a little nerdy, but little ones can pull anything off, right?:o)
I am aware that not everyone has the same taste. I see things online and out in public that I don't like, and I think to myself, "Wow! Really?" But I say them to myself. 
The old saying "Sticks and stones will break my bones, but words will never hurt me" couldn't be further than the truth.
Yesterday a reader posted a mean comment and it wasn't necessary. 
For that reader, I  have this to say:
My children were very excited about these outfits. They are always grateful for anything that I make them.
As long as they are happy with what I make them, and keep requesting that I make things for them, I will continue to do so, gladly.
I said a prayer for you last night, dear reader...that the Lord would help you to think before speaking, or in this case, typing. That He would open your heart to others feelings. 
I say this so that you will think before insulting someone else. 

I offer a comment section so that my readers can communicate with me. I find it sad, that some feel the need to use it as a venue to insult.

 To all you other readers, thank you for your kind words of encouragement, and your interest in what I do.
You guys are great!!
 This was the first time I have been insulted on my blog. I am sure it won't be the last..however, this will be the last time I acknowledge any insults.
 I will continue to keep doing what I love, and making cute things for those I love!

For anyone who has had this "problem" in the past....
pray and move on:o)

Tuesday, July 12, 2011

Clothing for the Kids

I am in the midst of making clothes for the kids today. Busy, busy, busy.
 This year S.R. gets to go to preschool with E...sniff, sniff...and I wanted my babies to have matching outfits. Here is something I whipped up last week.



We had a little fun with the camera;o) I hope to have lots to show you in the next day or two:o) Have a great rest of the day!!

Participating in:


Whimsy Couture

Thursday, July 7, 2011

We Have a Winner!

Congratulations to 
Randi
She said:
New blog follower here. Found ya through Someday Crafts. I was wondering if I could add vinyl to a cup like that, lol. Perfect timing! :)

Thanks to everyone who participated in the giveaway, and a big thanks to Holly from Vinyl Designs!!

Tuesday, July 5, 2011

Personalized Cup Giveaway & A Linky Party

I hope you all had a fantastic 4th! We sure did!
To celebrate the fantastic-ness of the long weekend.....
how about a giveaway?
My friend Holly is offering one Fussy Monkey Reader a chance to win a
Personalized Vinyl Cup.
The winner will get to choose their favorite design & have their very own super cute cup.
I have two and I LOVE them...I take them just about every where I go, and am always getting compliments!
I thought these two designs were really cute.
 Lovin' the flops:o)
So here's how to enter:

You have the chance to enter 3 times!
1. Be a follower of Fussy Monkey Business...if you aren't, it's reeeeally easy to become one;o)
leave a comment here
2. Head over to Holly's Etsy Shop, 'ahmaher', and pick your favorite design & tell us about it
leave a comment here
3. "Like" Vinyl Designs on Facebook & tell her Fussy Monkey Business sent you
leave a comment here

The giveaway winner will be announced on Thursday. If you can't wait that long to see if you are the winner, and want to purchase a cup, Holly has been gracious enough to offer my readers a 10% off coupon code for the duration of the giveaway...
Just use fussy10 to get your 10% off.
Good luck!!
This giveaway is now closed.


***
I thought I would do another linky party today....no rules, just link up:o) Can't wait to see what you all have been up to!

Friday, July 1, 2011

HANDY LITTLE CHART


I received this in an email from a friend the other day. Some of you may have seen this chart before.
Hopefully you will find it uplifting:o)

GOD HAS A POSITIVE ANSWER: 
 
YOU SAY
GOD SAYS
BIBLE VERSES
You say: 'It's impossible'
God says:  All things are possible
(Luke 18:27)
You say: 'I'm too tired'
God says: I will give you rest
(Matthew 11:28-30)
You say: 'Nobody really loves me'
God says: I love you
(John 3:1  6 & John 3:34 )
You say: 'I can't go on'
God says: My grace is sufficient
(II Corinthians 12:9 & Psalm 91:15)
You say:  'I can't figure things out'
God says: I will direct your steps
(Proverbs 3:5-  6)
You say: 'I can't do it'
God says: You can do all things
(Philippians 4:13)
You say: 'I'm not able'
God says: I am able
(II Corinthians 9:8)
You say: 'It's not worth it'
God says: It will be worth it
(Roman 8:28 )
You say: 'I can't forgive myself'
God says: I Forgive you
(I John 1:9 & Romans 8:1)
You say: 'I can't manage'
God says: I will supply all your needs
(Philippians 4:19)
You say: 'I'm afraid'
God says: I have not given you a spirit of fear
(II Timothy 1:7)
You say: 'I'm always worried and frustrated'
God says: Cast all your cares on ME
(I Peter 5:7)
You say: 'I'm not smart enough'
God says: I give you wisdom
(I Corinthians 1:30)
You say: 'I feel all alone'
God says: I will never leave you or forsake you
(Hebrews 13:5)