CONTENTMENT

Have you ever, at any one time, had the feeling that life is bad, real bad, and you wish you were in another situation? You find life makes things difficult for you, work sucks, life sucks, everything seems to go wrong. Read the following story. It may change your views about life...

After a conversation with one of my friends, he told me despite taking two jobs, he brings back barely above $1,000 per month, he is happy as he is.

I wonder how he can be as happy as he is considering he has to skimp his life with the low pay to support a pair of old parents, in-laws, a wife, 2 daughters and the many bills of a household.

He explained that it was through one incident that he saw in India... that happened a few years ago when he was really feeling low and touring India after a major setback.

He said that right in front of his very eyes he saw an Indian mother chop off her child's right hand with a chopper. The helplessness in the mother's eyes, the scream of pain from the innocent 4-year-old child haunted him until today.

You may ask why did the mother do so; had the child been naughty, had the child's hand been infected? No, it was done for two simple words - TO BEG! The desperate mother deliberately caused the child to be handicapped so that the child could go out to the streets to beg.

Taken aback by the scene, he dropped a piece of bread he was eating half-way. And almost instantly, a flock of 5 or 6 children swamped towards this small piece of bread which was covered with sand, robbing bits from one another. The natural reaction of hunger.

Stricken by the happenings, he instructed his guide to drive him to the nearest bakery. He arrived at two bakeries and bought every single loaf of bread he found in the bakeries. The owner was dumbfounded but willingly sold everything. He spent less than $100 to obtain about 400 loaves of bread (this is less than $0.25 per loaf) and spent another $100 to get daily necessities.

Off he went in the truck full of bread into the streets. As he distributed the bread and necessities to the children (mostly handicapped) and a few adults, he received cheers and bows from these unfortunate. For the first time in his life he wondered how people can give up their dignity for a loaf of bread which cost less than $0.25.

He began to tell himself how fortunate he is. How fortunate he is to be able to have a complete body, have a job, have a family, have the chance to complain what food is nice and what isn't nice, have the chance to be clothed, have the many things that these people in front of him are deprived of...

Now I begin to think and feel it, too! Was my life really that bad? Perhaps... no, I should not feel bad at all... What about you? Maybe the next time you think you are, think about the child who lost one hand to beg on the streets.

"Contentment is not the fulfillment of what you want, it is the realization of how much you already have."

When the door of happiness closes, another opens, but often times we look so long at the closed door that we don't see the one which has been opened for us.

It's true that we don't know what we've got until we lose it, but it's also true that! we don't know what we've been missing until it arrives.

The happiest of people don't necessarily have the best of everything; they just make the most of everything that comes along their way.

The brightest future will always be based on a forgotten past, you can't go on well in life until you let go of your past failures and heartaches.

DAH LAMBAT SEBULAN!!

Sepasang pengantin yang baru berkahwin 4 bulan. Pada suatu malam si isteri memeluk leher suami dengan nada manja seraya berkata, "Sayang, period i dah lewat sebulan, tapi i tak boleh nak pastikan lagi sebab kita kena gi check kat doktor."

Si suami yang teramat gembira tu pun berpakat dengan isterinya untuk tidak memberitahu sesiapa pun tentang perkhabaran gembira sehingga ianya benar-benar pasti. Pada suatu hari, rumah pasangan ini didatangi oleh pegawai dari TNB kerana terdapat tunggakkan dalam pembayaran bill elektrik rumah mereka.

Pegawai TNB tu pun berkata, "Ini rumah En. Mahpus ker?"

"Saya ni isterinya... ada apa encik?"

Pegawai TNB tu pun berkata, "Puan, ni dah sebulan lewat, saya tak boleh tunggu ni, nanti boss saya marah."

Dengan nada terkejut, si isteri itu pun membalas balik cakap pegawai TNB tu, "APA??? Macam mana pulak encik tahu yang saya ni sebulan lewat???"

Pegawai TNB tu pun dengan selamba menjawab, "Ala puan, ni kan zaman IT, semua tu ada dalam komputer dan kita boleh check Online."

Kata-kata pegawai TNB itu membuatkan si isteri tu lagi terkejut, "APAAA???? Saya lewat sebulan pun awak semua boleh tahuuu???"

Pegawai TNB tu pun mententeramkan keadaan, "Relek puan, puan ni baru lewat sebulan, ada yang lagi teruk, lewat 5-6 bulan..."

Si isteri yang terperanjat beruk dengan kenyataan pegawai tu pun berkata, "Nanti saya bincang dengan suami saya..." Lalu pegawai TNB tu pun beredar dari situ..

Keesokkan harinya, selepas si Mahphus ini diberitahu oleh isterinya, dia pun naik berang dan terus ambik cuti dan pergi ke kedai TNB yang berdekatan. Dengan tanpa menghiraukan pegawai-pegawai TNB yang ramai di situ, dia pun memekik seraya berkata: "Apa korang ni, isteri saya sebulan lewat pun nak heboh heboh ke dalam internet. Awak ni semua berkeluarga tak pernah lewat sebulan kerrrr????!! bisness apa korang buat niii?? nak kena saman kerr???"

Lalu pegawai yang datang kerumah si Mahpus ni berdiri dan mententeramkan keadaan. "Sabar encik, sabar encik. apa susah, kalau nak settlekan perkara ni, bayar je laa... kata-kata pegawai TNB tu membuatkan si Mahpus naik berang."

"APAAA?? nak bayar korang? belahhhh lahh..."

Lalu pegawai TNB tu pun cakap, "Kalau macam tu... Kita terpaksa potong encik punya..."

Si Mahpus mencelah: "Apa??? potong??? Abih tu isteri saya di rumah nak pakai apaaaaaa???"

Pegawai TNB tu pun cakap: "Nampak gayanye... ISTERI ENCIK KENA PAKAI LILIN AJERRR LAAAAAAAA..."

Carry 4

NATIONAL EXCUSE FOR HAIR LOSS:
Maggi Mee.

NATIONAL EXCUSE FOR BEING LATE:
Traffic Jam.

NATIONAL CONDOM:
None. Most Malaysians still feel embarrassed buying condoms. So they rushed into a 7-Eleven, hurriedly grab the nearest pack, any pack, pay and leave before the cashier can even blink an eye.

NATIONAL FRUIT FOR INDUCING MENSTRUATION:
Pineapple

NATIONAL APHRODISIAC DRINK:
Stout. Many swear by it. But after a few pints they start swearing at everything...
Actually, Tongkat Ali is now fast becoming the National Aphrodisiac drink.

NATIONAL FAKE ILLNESS FOR GETTING MC (MEN):
Food Poisoning.

NATIONAL FAKE ILLNESS FOR GETTING MC (WOMEN):
Menstrual Pain - betul la... with Migraine as a close second.

NATIONAL EXCUSES GIVEN BY WOMEN WHEN REFUSING SEX:
Headache, kids not asleep, maid not asleep, mother-in-law around, early appointment, food not digested yet, aircond not cold enough, aircond too cold, nail polish not dry yet, forgot to take the pill, sleepy, stomach cramps, period, haven't removed make-up, haven't shower, no water supply, going to watch "Santa Barbara," depressed, no mood, etc...

NATIONAL EXCUSES GIVEN BY MEN WHEN REFUSING SEX:
None. Malaysian men never refuse sex.

NATIONAL CURE FOR HEADACHES:
Panadol. The "cure for all". If it fails we have another secret weapon: Tiger Balm.

NATIONAL CURE FOR DIZZINESS:
Minyak Angin Cap Kapak.

NATIONAL CAUSE OF DIZZINESS (FOR YUPPIES):
Happy Hours.

NATIONAL INSTANT CURE FOR DIZZINESS (FOR YUPPIES):
The sight of a police road block.

NATIONAL RUBBISH DUMP:
Anywhere. As long as it is not your house.

NATIONAL MOST MIS-PRONOUNCED NAME:
Carrefour. Sometimes even pronounced as Carry 4! On second thoughts, why bother pronouncing stupid French brands like Peugeot, Renault or Citroen correctly. I think it sounds better when the local mechanics say "Pew Jeot". When I was in school, Milo was always 'Mee Lo', now that I'm sophisticated, I say "My Lo". So don't be embarassed saying "Carry 4" when the Mat Sallehs shamelessly pronounce orang utan as "orangutang".

Copyright 2003-2005 Azlan Adnan Legal Notice

How to make a woman happy

It's not difficult to make a woman happy; a man only needs to be:

1. a friend
2. a companion
3. a lover
4. a brother
5. a father
6. a master
7. a chef
8. an electrician
9. a carpenter
10. a plumber
11. a mechanic
12. a decorator
13. a stylist
14. a sexologist
15. a gynecologist
16. a psychologist
17. a pest exterminator
18. a psychiatrist
19. a healer
20. a good listener
21. an organizer
22. a good father
23. very clean
24. sympathetic
25. athletic
26. warm
27. attentive
28. gallant
29. intelligent
30. funny
31. creative
32. tender
33. strong
34. understanding
35. tolerant
36. prudent
37. ambitious
38. capable
39. courageous
40. determined
41. true
42. dependable
43. passionate
44. compassionate

WITHOUT FORGETTING TO:
45. give her compliments regularly
46. love shopping
47. be honest
48. be very rich
49. not stress her out
50. not look at other girls

AND AT THE SAME TIME, YOU MUST ALSO:
51. give her lots of attention, but expect little yourself
52. give her lots of time, especially time for herself
53. give her lots of space, never worrying about where she goes

IT IS VERY IMPORTANT:
54. Never to forget:
* birthdays
* anniversaries
* arrangements she makes


HOW TO MAKE A MAN HAPPY
1. Show up naked
2. Bring beer
3. Hand over the remote.

Copyright 2003-2005 Azlan Adnan Legal Notice

Keeper

Author Unknown

I grew up in the 1940s and 50s with practical parents. A mother, God love her, who washed aluminum foil after she cooked in it, then reused it. She was the original recycle queen, before they had a Name for it... A father who was happier getting old shoes fixed than buying new ones.

Their marriage was good, their dreams focused. Their best friends lived barely a wave away. I can see them now, Dad in trousers, tee shirt and a hat and Mom in a housedress, lawn mower in one hand, and dish-towel in the other. It was the time for fixing things. A curtain rod, the kitchen radio, screen door, the oven door, the hem in a dress are things we keep.

It was a way of life, and sometimes it made me crazy. All that re-fixing, eating, renewing, I wanted just once to be wasteful. Waste meant affluence. Throwing things away meant you knew there'd always be more.

But then my mother died, and on that clear summer's night, in the warmth of the hospital room, I was struck with the pain of learning that sometimes there isn't any more.

Sometimes, what we care about most gets all used up and goes away... never to return. So... while we have it... it's best we love it... and care for it... and fix it when it's broken... and heal it when it's sick.

This is true. For marriage... and old cars… and children with bad report cards... and dogs with bad hips... and aging parents... and grandparents. We keep them because they are worth it, because we are worth it. Some things we keep. Like a best friend that moved away or a classmate we grew up with.

There are just some things that make life important, like people we know who are special... and so, we keep them close!

I received this from someone who thinks I am a 'keeper', so I've sent it to the people I think of in the same way… Now it's your turn to send this to those people that are "keepers" in your life.

Good friends are like stars... You don't always see them, but you know they are always there. Keep them close!

TEN THINGS GOD WON'T ASK ON THAT DAY.

1... God won't ask what kind of car you drove. He'll ask how many people you drove who didn't have transportation.

2... God won't ask the square footage of your house. He'll ask how many people you welcomed into your home.

3... God won't ask about the clothes you had in your closet. He'll ask how many you helped to clothe.

4... God won't ask what your highest salary was. He'll ask if you compromised your character to obtain it.

5... God won't ask what your job title was. He'll ask if you performed your job to the best of our ability.

6... God won't ask how many friends you had. He'll ask how many people to whom you were a friend.

7... God won't ask in what neighbourhood you lived. He'll ask how you treated your neighbours.

8... God won't ask about the colour of your skin, He'll ask about the content of your character.

9... God won't ask why it took you so long to seek Salvation. He'll lovingly take you to your mansion in heaven, and not to the gates of Hell.

10... God won't have to ask how many people you forwarded this to. He already knows your decision.

On Motivation

"There is one quality that one must possess to win, and that is definiteness of purpose, the knowledge of what one wants, and a burning desire to possess it." ~ Napoleon Hill

Don't hesitate, just say it!

There was a boy who I liked. He liked me, too. Well, that's what I was told... but one day I was walking to class and I heard someone call out my name and when I turned around he was there...

"Wait up!" he called.

I waited for a few seconds and let him catch up then once he did I started walking again.

"You need something?" I asked.

"Yea... a favour," he said.

"Sure what is it?" I asked.

"Go out with me," he said with a gleam in his eyes.

"OK... sure," I said, secretly jumping with joy in my mind.

He walked me to class and kissed me good bye... then the late bell rang and he sprung down the hall to get to class. He walked me to class every day and kissed me every day and he was with me every chance he got. Then days turned into weeks and weeks turned into months and months turned into a year and he still ran to catch up with me. It was the day of our one year anniversary and he walked me to class gave me a box and a kiss... then he whispered into my ear... "I love you."

Then he left. I opened the gift and it was a ring... a gorgeous ring. That night we were out at dinner to celebrate and all he surprised me... AGAIN...

"You know how I said that I loved you?" he asked.

"Yeah?" I got really nervous....

"I really do, you know. I love you."

I didn't say anything and I knew he wanted me to say it but I didn't want to seem stupid so I stuffed food in my mouth and he didn't say anything but I could tell he was disappointed. We got done eating and he was driving me home at the red light he turned and looked at me...

"Why won't you say you love me? Don't you love me like I love you?" he asked,

I didn't know what to say. I loved him more than I could imagine, but I just didn't know how or when to say it...

"I...I...lov...."

BOOM!!!!!!!!!! a truck had hit the driver's side and rammed us right into a lake.The next day I was in the hospital and all I could think about was if he was ok... so I got out of my bed and searched for him... but when I found him he was barely alive... seeing the one I loved near death made me drop to my knees and cry...

"I love you... I've loved you since the first day we met. I love you soooo much. Don't you leave me, please. Don't leave me, I need you here... I LOVE YOU!!!!"

With his very last breath he said...

"I love you too." Then he was gone.

A week later I was able to go home but I wasn't ready to face school yet and my mom understood. I went up to my room and I found a note inside the ring box...

"I hope you like this ring. It was my grandma's. She told me to give it to the one I love and, well, I love you. No matter what happens to me I will always love you. If I died today, I want to die knowing you love me... I won't leave this earth without knowing you love me. You're always in my heart forever until the day I die.

P.S. I love you now... I will love you forever."

Copyright 2003-2005 Azlan Adnan Legal Notice

forget about the mosquitoes

and death from malaria or dengue fever
be more concerned about typhoid, dysentry and pneumonia
there's no potable water, no sanitation, no food in Louisiana
it's a recipe for disaster
of the tallest order


Copyright 2003-2005 Azlan Adnan Legal Notice

Circle of Friends

Since its my birthday today, I want to share with you, my circle of friends, a few edifying words of wisdom:

Many people will walk in and out of your life,
But only true friends will leave footprints in your heart.

To handle yourself, use your head;
To handle others, use your heart.

Anger is only one letter short of danger.

If someone betrays you once, it is his fault;
If he betrays you twice, it is your fault.

Great minds discuss ideas;
Average minds discuss events;
Small minds discuss people.

He who loses money, loses much;
He who loses a friend, loses much more;
He who loses faith, loses all.

Beautiful young people are accidents of nature,
But beautiful old people are works of art.

Learn from the mistakes of others.
You can't live long enough to make them all yourself.

Friends, you and me...
You brought another friend...
And then there were three...

We started our group...
Our circle of friends...
And like that circle...
There is no beginning or end...

Yesterday is history.
Tomorrow is mystery.
Today is a gift.
That is why it is called the Present.

Copyright 2003-2005 Azlan Adnan Legal Notice

Tomorrow

If we might have a second chance
To live the days once more,
And rectify mistakes we've made
To even up the score.
If we might have a second chance
to use the knowledge gained,
Perhaps we might become at last
As fine as Allah ordained.
But though we can't retrace our steps,
However stands the score,
Tomorrow brings another chance
For us to try once more.

One Flaw In Women

By the time the Lord made woman, He was into his sixth day of working overtime...

An angel appeared and asked, "Why are you spending so much time on this one?"

And the Lord answered, "Have you seen my spec sheet on her? She has to be completely washable, but not plastic, have over 200 movable parts, all replaceable and able to run on Diet Coke and leftovers, have a lap that can hold four children at one time, have a kiss that can cure anything from a scraped knee to a broken heart and she will do everything with only two hands."

The angel was astounded at the requirements. "Only two hands? No way! And that's just on the standard model? That's too much work for one day. Wait until tomorrow to finish."

"But I won't," the Lord protested. "I am so close to finishing this creation that is so close to my own heart. She already heals herself when she is sick AND can work 18 hour days."

The angel moved closer and touched the woman. "But you have made her so soft, Lord."

"She is soft," the Lord agreed, "but I have also made her tough. You have no idea what she can endure or accomplish."

"Will she be able to think?" asked the angel.

The Lord replied, "Not only will she be able to think, she will be able to reason and negotiate."

The angel then noticed something, and reaching out, touched the woman's cheek. "Oops, it looks like you have a leak in this model. I told you that you were trying to put too much into this one."

"That's not a leak," the Lord corrected, "that's a tear!"

"What's the tear for?" the angel asked.

The Lord said, "The tear is her way of expressing her joy, her sorrow, her pain, her disappointment, her love, her loneliness, her grief and her pride."

The angel was impressed. "You are a genius, Lord. You thought of everything! Woman is truly amazing."

And she is!
Women have strengths that amaze men.
They bear hardships and they carry burdens, but they hold happiness, love and joy.
They smile when they want to scream.
They sing when they want to cry.
They cry when they are happy and laugh when they are nervous.
They fight for what they believe in.
They stand up to injustice.
They don't take "no" for an answer when they believe there is a better solution.
They go without so their family can have.
They go to the doctor with a frightened friend.
They love unconditionally.
They cry when their children excel and cheer when their friends get awards.
They are happy when they hear about a birth or a wedding.
Their hearts break when a friend dies.
They grieve at the loss of a family member, yet they are strong when they think there is no strength left.
They know that a hug and a kiss can heal a broken heart.
Women come in all shapes, sizes and colors.
They'll drive, fly, walk, run or e-mail you to show how much they care about you.
The heart of a woman is what makes the world keep turning.
They bring joy, hope and love.
They have compassion and ideals.
They give moral support to their family and friends.
Women have vital things to say and everything to give.

HOWEVER, IF THERE IS ONE FLAW IN WOMEN, IT IS THAT THEY FORGET THEIR WORTH.

Copyright 2003-2005 Azlan Adnan Legal Notice

Politicians

Four surgeons are discussing who makes the best kind of patient to operate on.

The first surgeon says, "I like to see accountants on my operating table because when you open them up, everything inside is numbered."

The second surgeon responds, "Yeah, but you should try electricians! Everything inside them is colour coded."

The third surgeon says, "No, I really think librarians are the best; Everything inside them is in alphabetical order."

But the fourth surgeon shut them all up when he observed: "You're all wrong. Politicians are the easiest to operate on. There are no guts, no heart, no balls, no brains and no spine, and the head and the ass are interchangeable."

Copyright 2003-2005 Azlan Adnan Legal Notice

A tomato story

A jobless man applied for the position of office boy at Microsoft. The HR manager interviewed him then watched him cleaning the floor as a test.

"You are employed," he said. "Give me your e-mail address and I'll send you the application to fill in, as well as date when you may start."

The man replied "But I don't have a computer, neither an email."

"I'm sorry," said the HR manager. "If you don't have an email, that means you do not exist. And who doesn't exist, cannot have the job."

The man left with no hope at all. He did''t know what to do, with only $10 in his pocket. He then decided to go to the supermarket and buy a 10 kg tomato crate. He then sold the tomatoes in a door-to-door round. In less than two hours, he succeeded to double his capital. He repeated the operation three times, and returned home with $60.

The man realized that he can survive by this way, and started to go everyday earlier, and return late. Thus, his money doubled or tripled every day. Shortly, he bought a cart, then a truck, and then he had his own fleet of delivery vehicles.

Five years later, the man is one of the biggest food retailers in the US. He started to plan his family's future, and decided to have a life insurance policy. He called an insurance agent, and chose a protection plan. When the conversation was concluded the nsurance agent asked him for his email.

The man replied, "I don't have an email."

The insurance agent answered curiously, "You don't have an email, and yet have succeeded to build an empire. Can you imagine what you could have been if you had an e mail?"

The man thought for a while and replied, "Yes, I'd be an office boy at Microsoft!"

Moral of the story

1) Internet is not the solution to your life.
2) If you don't have internet, and work hard, you can be a millionaire.
3) If you received this message by email, you are closer to being an office boy/girl, than a millionaire... Have a great day!!!

P.S. Do not forward this email back to me, I am closing my email & going to sell tomatoes!!!

Copyright 2003-2005 Azlan Adnan Legal Notice

MAKING MOTOR INSURANCE CLAIMS

What are the considerations every motorist should be aware of? S. Gayathri takes a look.

Imagine this scenario: 18-year-old Chris has just obtained his probationary (P) driving licence. His father lets him borrow the car one day. Despite driving carefully, Chris meets with an accident. The car is badly damaged and needs to be towed. In a state of panic, he doesn't know who will pay for the damage.

Tow truck operators at the scene promise Chris speedy repair, hassle-free insurance claims processing and towing services -- without him having to pay a sen. But is that really the case?

The truth is, approval of motor accident claims are subject to terms and conditions that most of us overlook because we believe the insurance company will pay for everything.

"Motor insurance is for protection, but there are terms and conditions applicable to all policies, hence it's wrong to assume insurers will pay all damages and claims," says Fazan Ahmad, administration and insurance committee member of the Automobile Association of Malaysia (AAM).

Given that, it is pertinent for motorists to understand the two basic types of accident claims available and several general issues related to motor policies.

OWN DAMAGE (OD) CLAIMS
To some extent, the type of motor insurance policy you buy determines the kind of claim you can make. It also has a bearing on the processing and approval times.

According to Uni.Asia General Insurance Bhd, motorists with comprehensive policies usually have better claim options.

"Comprehensive policyholders who meet with accidents can make an Own Damage (OD) or even a third-party claim, depending on the nature of the accident and other applicable conditions," says Mohd Ariff Kassim, assistant general manager of Uni.Asia's claims department.

OD is available only for comprehensive policyholders-- it allows the insured to claim against his own policy for damage to his own vehicle.

"The distinct feature of an OD claim lies in the ease of the procedure. Because only the insured and his insurer are involved, claims are generally processed speedily and without much hassle," says Fadil Abdullah, assistant vice-president for general insurance claims at Malaysia National Insurance (MNI) Bhd.

In fact, completed OD claim forms with copies of supporting documents are usually assessed and approved within a few days to a week. However, note that OD claims usually result in the loss of your no claims discount (NCD).

"NCD on [policy] renewals are granted only if no claims are made under the policy. The insured’s OD claims and a third party's claim for injury and damage will affect the NCD during renewal," explains Uni.Asia's Mohd Ariff.

Whether you should make an OD claim depends on the outcome of police investigations into the accident. In Chris's case, if the accident was a hit and run, Chris's dad has no option but to file an OD claim to repair the damage -- provided he has a comprehensive cover and is willing to lose the NCD (if any), on renewal. If the car only has third-party coverage, Chris and his dad must bear the entire repair cost.

OD KNOCK-FOR-KNOCK
Unless you are willing to part with your hard-earned NCD -- which can reach 55% off your renewal premium -- and enjoy the fast-track claims settlement, OD claims may not be a good deal.

"The easiest way of preserving one's NCD is, of course, to remain a good driver for as long as you are a motorist. Admittedly, driving carefully doesn't stop accidents from happening. I can be a good driver but others may hit my car, it happens frequently," says Kong Shu Yin, general manager of operations, Kurnia Insurans (Malaysia) Bhd.

To safeguard the interest of drivers who are not at fault, there is now the OD knock-for-knock claims option.

Available only to comprehensive policyholders, it allows the insured to preserve and/or avoid losing his NCD while avoiding the delays often associated with making claims against a third party.

"This is for motorists involved in accidents that are not due to their own fault and are able to prove the claims, for example, with police findings," explains Giles Ward, president and CEO of AXA Affin Assurance Bhd.

Prior to the introduction of OD knock-for-knock claims, faultless motorists had to submit their claims to the third party (driver at fault)'s insurer and were subjected to delays that lasted for months.

According to the General Insurance Association of Malaysia (PIAM), OD knock-for-knock claim is the result of cooperation among motor insurers to better manage third-party accident repair claims.

PIAM executive director and secretary Lim Chia Fook says the introduction of OD knock-for-knock claims has significantly reduced the time taken to process and approve third-party claims.

However, bear in mind that third-party motor policies exclude coverage for injury or damage suffered by the insured and his vehicle -- thus, holders of such policies cannot file OD and OD knock-for-knock claims.

PANEL WORKSHOPS
Now that the claims have been approved, what about the repairs to your vehicle?

"Prompt claims settlement aside, quality of repairs is equally important as it concerns the safety of the vehicle and driver. To ensure quality workmanship and right pricing for the repairs done, we introduced the concept of panel workshops," says Lim of PIAM.

Before appointing panel workshops, PIAM carefully monitors and evaluates repairers who meet the industry's general standard of quality and other requirements. If successful, the selected repairers are given "PIAM-approved workshop" status. Individual insurers in the motor industry are free to appoint to their panel any repairer from the large pool of PIAM-approved workshops. Currently, most insurers make it compulsory for their policyholders to send vehicles for repairs to the company's panel workshops. Failing which, claims can be rejected. However, because the appointment of panel workshop is not mandatory for insurers, companies like MNI Insurance do not have exclusive panel workshops for policyholders. Instead, the insured are allowed to send their vehicles to any of the PIAM-approved workshops because these repairers also meet the requirements set by the company. Other companies prefer to stick with their own panel of workshops. "Having our own panel of workshops is definitely good for policyholders because we are able to better monitor and control their workmanship quality."

"The workshops are required to provide guarantees for their workmanship quality," adds Ward of AXA Affin.

The panel workshops' warranty on workmanship, ranging from six months to a year from the date of repair, acts as added protection for the insured. Referring to panel workshops is also good for another reason -- the repairers are very familiar with the insurance company's claims procedure and would normally handle all claims-related matters on behalf of the insured.

PAYMENT OF CLAIMS
Although procedures related to the submission and approval of most accident claims are quite standard, it doesn't mean that the insurer will pay 100% of the amount claimed. In some instances, insurers may not approve the claim at all or require the insured to bear part of the repair cost.

"The biggest fault of motor policyholders is their failure to understand the terms and conditions of their policies. We've repeatedly advised all motorists, AAM members or otherwise, to pay attention to important aspects of motor policies because failure to understand these terms will only affect them in times of need," stresses Fazan of AAM.

Basically, issues like the sum insured and type of policy are crucial in determining the benefits.

Similarly, conditions on loss of NCD, excess payment, critical damage to vehicles and application of the betterment policy (see sidebar) are factors that may result in the insured having to pay part of the claim.

Fazan adds that although the sum insured for vehicles depreciate annually, motorists must ensure that vehicles are insured based on the current market value.

Claims of vehicles that are under-insured by more than the allowable 10% limit are penalised by the "average condition". For example, the insurer will only pay 60% of the claims if the car is under-insured by 40%: The insured has to bear the remaining 40% himself.

Damage claims of grossly under-insured vehicles are subjected to the average condition -- whereby the sum insured is multiplied by the loss amount and divided by the current market value, before claims are approved.

For instance, apply the formula in this context -- a car is insured for RM25,000 (sum insured) multiplied by total repair costs RM3,000 (loss amount) divided by current market value of the car RM40,000 and you will get RM1,875 as the final figure.

Average condition applies only for accident claims of vehicles that are under-insured, thus in the scenario above, only RM1,875 will be paid by the insurer as repair costs while the policyholder bears the balance of RM1,125 (total repair cost is RM3,000).

"Over-insuring is also not a good idea because naturally the premiums are higher but in the event of a claim, insurers will only pay the maximum of the sum insured or current market value, whichever is lower," comments Kong of Kurnia Insurans.

CONCLUSION
A basic comprehensive policy generally covers loss or damage sustained by the insured's vehicle and third party's property damage and injuries, thus, motorists are always encouraged to purchase a comprehensive cover for as long as they can.

Motorists also have the option of insuring vehicles for special perils like flood, passenger liability and windscreen protection; claims under these special packages do not affect the NCD.

Most accident claims procedures are standardised but to expedite claims approval, a few insurers offer niche services like express claims counters for on-the-spot OD settlement (Kurnia Express), free towing services (most insurers) or even a pre-approved OD claims limit that doesn't require an adjuster's report.

Ironically, there isn't an industry-wide timeline set for claims processing but most insurers declare that claims are processed within days, provided all supporting documents are submitted.

Make the effort to know the standard terms and conditions of motor policies and compare them against what you have now. It will come in handy when you make a claim, renew the policy or move on to another insurer.

BOX 1: WHAT TO DO AFTER AN ACCIDENT
1. Note the registration number of vehicles involved, place and time, and name and contact numbers of drivers and their insurers, if possible
2. Note the names and addresses of any witnesses, extent of damage and injuries to third parties
3. Do not attempt to place fault
4. Contact panel workshop/insurer for tow truck services if your car is not drivable;
5. If it is drivable, take your car to the nearest police station, lodge a report and allow the police to take pictures of your car
6. Drive or have your car towed to a panel workshop for safe keeping and repair
7. Inform insurer/agent of the accident and name of the workshop
8. The panel workshop will help with claims submission and gather supporting documents from you

BOX 2: WHAT'S NCD?
NO CLAIMS DISCOUNT (NCD) , or No Claims Bonus (NCB) , is a discount (in percentage) on premiums given to the insured if no claims -- either by the insured or third parties -- have been made under the policy. NCD is a reward for safe drivers, in appreciation of their good driving ethics. The rate of NCD for private cars range from 25% to 55%. Making own damage (OD) claims affect the insured's NCD, while OD knock-for-knock claims help preserve the NCD. The minus point under the current NCD system is that a single claim made against a policy results in the insured losing his entire savings on renewal premiums; a person enjoying the maximum 55% NCD for years will lose it.

BOX 3: COMPENSATION FOR ACTUAL REPAIR TIME
IT IS BAD ENOUGH that your car is damaged but you also need alternative transport while the vehicle is being repaired. However, you have a form of relief -- compensation. Compensation for actual repair time -- commonly known as loss of use claim -- is a third-party claim and is available to motorists who are not at fault.
The claim must be submitted to the third party's insurer with supporting documents, photographs of the damaged vehicle, police report and findings. The claim amount per day is pre-determined based on the vehicle's cylinder capacity, as set by Bank Negara. The amount is then multiplied by the reasonable number of days needed to repair the vehicle, as indicated by the adjuster.
Comprehensive policyholders claiming for own damage (OD) are not eligible for this compensation while OD knock-for-knock claimants must submit the loss of use claim to the third party’s insurer. Motorists with third-party insurance may also claim for this compensation.

BOX 4: WHAT IS EXCESS?
EXCESS IS THE AMOUNT an insured has to pay from his own pocket. This is imposed to deter motorists from making small claims on their policy. Motor policies for private vehicles are subjected to two types of excess. The compulsory excess -- a standard provision for all private motor policies-- amounting to RM400 is applicable if claims for damages are made in a situation where the driver: Is not named in the policy; Is below 21 years old; Holds a probationary driving licence; and/or Has less than two years' driving experience. The other excess is charged at the discretion of the insurer, based on certain business considerations. The flexible excess is often applied where vehicles are five years and older (which are considered high-risk in terms of being accident-prone), luxury cars and/or those that incur high costs of repair. Usually, insurers do not impose flexible excess on new vehicles sold in mass quantities (like Proton) and private cars below 2,000cc. It varies according to the insurer's underwriting policies but the amount charged is based on Bank Negara's guidelines.

BOX 5: BETTERMENT ON NEW PARTS & CRITICAL DAMAGES
ALTHOUGH COMPREHENSIVE covers offer better protection, they are also subject to terms and conditions that are often overlooked. Examples are the betterment on new parts policy and critical damages. Betterment on new parts policy applies strictly to private vehicles aged five years and older, in line with the principle of indemnity. As the principle states that the insurer will compensate for loss by putting the vehicle back into the same position it was just before the accident, the policy of betterment comes into play. In practice, betterment is executed only if damaged vehicles are repaired using brand new parts; this results in the cost of the new parts being apportioned between the insurer and policyholder. Also called "old-for-new," the betterment policy's proportioning of cost for new parts must be in accordance with Bank Negara's endorsed scale (according to age of vehicle) and ceiling rate (cost in percentage). Industry players say the application of betterment is left to the discretion of insurers although most of them have already adopted the policy. If the insured disagrees with the proportionate costs, cars aged five years and above will be repaired using second-hand parts of the same age -- giving rise to issues of compromised standard of parts used and overall vehicle safety. So, that's for older cars. But what about cars, old or new, that are involved in fatal accidents? Do insurers actually bear the entire cost of such claims? The answer is both yes and no: Decisions on these cases usually rest on the discretion of insurers. Badly damaged vehicles -- particularly those with repair costs that exceed 50% of the sum insured -- will most likely not be repaired. Two reasons are cited for this: Cost-effectiveness and roadworthiness of the repaired car. It is said that repair claims amounting to 50% or more of the sum insured are normally settled with strict adherence to industry guidelines -- insurers usually offer policyholders the total sum insured or the current market value of the vehicle, whichever is lower. If the settlement is accepted, the policy is written-off and the damaged vehicle belongs to the insurer. Otherwise, it is back to the drawing board and negotiations continue.

Of carrots, eggs and coffee beans

Think about this: A carrot, an egg and a cup of coffee... You will never look at a cup of coffee the same way again!

A young woman went to her mother and told her about her life and how things were so hard for her. She did not know how she was going to make it and wanted to give up. She was tired of fighting and struggling. It seemed as one problem was solved, a new one arose.

Her mother took her to the kitchen. She filled three pots with water and placed each on a high fire. Soon the pots came to boil. In the first she placed carrots, in the second she placed eggs, and in the last she placed ground coffee beans. She let them sit and boil, without saying a word.

In about twenty minutes she turned off the burners. She fished the carrots out and placed them in a bowl. She pulled the eggs out and placed them in a bowl. Then she ladled the coffee out and placed it in a bowl.

Turning to her daughter, she asked, "Tell me, what do you see?"

"Carrots, eggs, and coffee," she replied.

Her mother brought her closer and asked her to feel the carrots. She did and noted that they were soft. The mother then asked the daughter to take an egg and break it. After pulling off the shell, she observed the hard-boiled egg. Finally, the mother asked the daughter to sip the coffee. The daughter smiled as she tasted its rich aroma. The daughter then asked, "What does it mean, mother?"

Her mother explained that each of these objects had faced the same adversity... boiling water. Each reacted differently. The carrot went in strong, hard, and unrelenting. However, after being subjected to the boiling water, it softened and became weak. The egg had been fragile. Its thin outer shell had protected its liquid interior, but after sitting through the boiling water, its inside became hardened. The ground coffee beans were unique, however. After they were in the boiling water, they had changed the water.

"Which are you?" she asked her daughter. "When adversity knocks on your door, how do you respond? Are you a carrot, an egg or a coffee bean?"

Think of this: Which am I? Am I the carrot that seems strong, but with pain and adversity do I wilt and become soft and lose my strength?

Am I the egg that starts with a malleable heart, but changes with the heat? Did I have a fluid spirit, but after a death, a breakup, a financial hardship or some other trial, have I become hardened and stiff? Does my shell look the same, but on the inside am I bitter and tough with a stiff spirit and hardened heart?

Or am I like the coffee bean? The bean actually changes the hot water, the very circumstance that brings the pain When the water gets hot, it releases the fragrance and flavour. If you are like the bean, when things are at their worst, you get better and change the situation around you. When the hour is the darkest and trials are their greatest, do you elevate yourself to another level? How do you handle adversity? Are you a carrot, an egg or a coffee bean?

May you have enough happiness to make you sweet, enough trials to make you strong, enough sorrow to keep you human and enough hope to make you happy.

The happiest of people don't necessarily have the best of everything; they just make the most of everything that comes along their way. The brightest future will always be based on a forgotten past; you can't go forward in life until you let go of your past failures and heartaches.

Love

Love is not about finding the perfect person, but creating a perfect relationship by learning to love someone perfectly.
It's not about how much love you have in the beginning but how much love you build right until the end.

"What is more important to you?
The love you share and the memories you have, or the lover?"

Give love a chance to swallow you up.

Don't just assume love will happen in an instant, it will surprise you before you know it, and it will be the most rewarding experience you will ever have.

Copyright 2003-2005 Azlan Adnan Legal Notice

Express your love daily

As you never know what tomorrow will bring, expressing your love daily with hugs, kind words, special notes, kisses and unselfish acts of kindness to those you care for is extremely important...

What if today was your last day alive?
Wouldn't you have wanted to thank that person for what he/she did for you?
Would you want to leave this world without telling that special person how much he/she means to you?

...and this goes for doing good deeds for strangers as well.

Make a difference in someone's life, a smile, a nice word, some help, as little as it may seem to you, could make a world of difference in the other person's life.

Copyright 2003-2005 Azlan Adnan Legal Notice

HUMOUR: Make me feel like a woman

The passengers on an airliner were shocked when the captain's voice announced that the plane was going to make a crash landing. One lady, upon hearing this dire news, ripped open her blouse and screamed to the man sitting next to her, "Make me feel like a woman!"

The man quickly ripped off his own shirt, handed it to her, and replied, "Okay, iron this!"

Infosys Narayana Murthy's speech

Mr Narayana Murthy is undoubtedly one of the most famous persons from Karnataka, India. He is known not just for building the biggest IT empire in India but also for his simplicity. Almost every important dignitary visits Infosys campus. He delivered an interesting speech during an employee session with another IT company in India. He is incidentally, one of the top 50 Influential people of Asia according to an Asiaweek publication and also the new IT Advisor to the Thai Prime Minister.

Extract of Mr Narayana Murthy's Speech during Mentor Session:

I know people who work 12 hours a day, six days a week, or more. Some people do so because of a work emergency where the long hours are only temporary. Other people I know have put in these hours for years. I don't know if they are working all these hours, but I do know they are in the office this long. Others put in long office hours because they are addicted to the workplace.

Whatever the reason for putting in overtime, working long hours over the long term is harmful to the person and to the organization. There are things managers can do to change this for everyone's benefit. Being in the office long hours, over long periods of time, makes way for potential errors. My colleagues who are in the office long hours frequently make mistakes caused by fatigue.

Correcting these mistakes requires their time as well as the time and energy of others. I have seen people work Tuesday through Friday to correct mistakes made after 5 pm on Monday. Another problem is that people who are in the office long hours are not pleasant company.

They often complain about other people (who aren't working as hard); they are irritable, or cranky, or even angry. Other people avoid them. Such behaviour poses problems, where work goes much better when people work together instead of avoiding one another.

As Managers, there are things we can do to help people leave the office. First and foremost is to set the example and go home ourselves. I work with a manager who chides people for working long hours. His words quickly lose their meaning when he sends these chiding group e-mails with a time-stamp of 2 am, Sunday. Second is to encourage people to put some balance in their lives.

For instance, here is a guideline I find helpful:

1) Wake up, eat a good breakfast, and go to work.

2) Work hard and smart for eight or nine hours.

3) Go home.

4) Read the books/comics, watch a funny movie, dig in the dirt, play with your kids, etc.

5) Eat well and sleep well.

This is called recreating. Doing Steps 1, 3, 4, and 5 enable Step 2. Working regular hours and recreating daily are simple concepts. They are hard for some of us because that requires 'personal change.' They are possible since we all have the power to choose to do them.

In considering the issue of overtime, I am reminded of my oldest son. When he was a toddler, if people were visiting the apartment, he would not fall asleep no matter how long the visit, and no matter what time of day it was. He would fight off sleep until the visitors left. It was as if he was afraid that he would miss something. Once our visitors' left, he would go to sleep. By this time, however, he was over tired and would scream through half the night with nightmares. He, my wife, and I, all paid the price for his fear of missing out. Perhaps some people put in such long hours because they don't want to miss anything when they leave the office. The trouble with this is that events will never stop happening.

That is life! Things happen 24 hours a day. Allowing for little rest is not ultimately practical. So, take a nap. Things will happen while you are asleep, but you will have the energy to catch up when you awaken. Hence...

"LOVE YOUR JOB, BUT NEVER FALL IN LOVE WITH YOUR COMPANY
BECAUSE YOU NEVER KNOW WHEN THE COMPANY STOPS LOVING YOU"
-- Narayana Murthy

wih many thanks to Priya Menon for sharing this edifying piece.

Corporate Decision-Making

There was a Department Head who was told by the CEO that he had to get rid of at least one employee in his Department. So he narrowed the choice down to one of two new employees, Jack or Mary. He then decided to speak to each one privately, and let their reactions help guide his decision.

So he called in Jack, explained the situation and, of course, Jack said he didn't want to lose his job, but he understood the boss's situation.

Then he called in Mary, and said, 'Mary, I've got a problem: by the end of the day, I've got to lay you or Jack off...'

And Mary says, 'Then you're gonna have to jack off, buster, I've got a headache!'

Guided Imagery Closed Eye Exercise

A doctor told Jim that masturbating before sex often helped men last longer during the act.

Jim decided, "What the hell, I'll try it." He spent the rest of the day thinking about where to do it. He couldn't do it in his office. He thought about the restroom, but that was too open. He considered an alley, but figured that was too unsafe. Finally, he realized his solution.

On his way home, he pulled his truck over on the side of the highway. He got out and crawled underneath as if he was examining the truck. Satisfied with the privacy, he undid his pants and started to masturbate. He closed his eyes and thought of his lover and started fantasizing about her. As he grew closer to orgasm, he felt a quick tug at the bottom of his pants.

Not wanting to lose his mental fantasy or the orgasm, he kept his eyes shut and replied, "What?"

A voice said, "This is the police. What's going on down there?"

Jim replied, "I'm checking out the rear axle, it's busted."

"Well", said the cop, "you might as well check your brakes, too, while you're down there because your truck rolled down the hill five minutes ago."

The Perfect Scam

Australian Police have been unable to recommend a prosecution for the following scam:

A company takes out a newspaper advertisement claiming to be able to supply imported hard core pornographic videos. As their prices seem reasonable, people place orders and make payments via cheque.

After several weeks, the company writes back explaining that under the present law they are unable to supply the materials and do not wish to be prosecuted. So they return their customers' money in the form of a company cheque.

However, due to the name of the company, few people will present these checks to their banks.

The name of the company: "The Anal Sex and Fetish Perversion Company."

Jantung Manisku

Aku dan dia
Bak pinang dibelah dua
Semoga kami hidup bahagia
Seisi keluarga
Dengan anaknya

Copyright 2003-2005 Azlan Adnan Legal Notice

Car for Sale

Citreon Xantia 2.0i Automatic
1995 Model, WDU 3124
Dark Blue-Green colour
Very well-maintained with new engine, new fuel pump, refurnished hydraulic suspension
Highest offer above RM18,888 secures

To view, call Azlan Adnan
019-28-AZLAN
019-28-29526

Copyright 2003-2005 Azlan Adnan Legal Notice

Baby Jokes

Courtesy of Aliah Zainal, with thanks

SUPER BABY
A baby was born so advanced in development he could talk. He looked around the delivery room and saw the doctor.

"Are you my doctor?" he asked.

"Why, yes, I am," said the doctor.

The baby said, "Thank you for taking such good care of me during the birth."

He looked at his mother and asked, "Are you my mother?"

"Yes, dear, I am," said the mother, beaming.

"Thank you for taking such good care of me before I was born," he said.

He then looked at his father and asked, "Are you my father?"

"Yes, I am," his father proudly answered.

The baby motioned him closer, then, poked him repeatedly on the forehead with his index finger. "Hurts, doesn't it?"


BABY FOOD
A three-year-old walked up to a pregnant lady while waiting with his mother in the doctor's office.

He inquisitively asked the lady, "Why is your stomach so big?"

She replied, "I'm having a baby."

With big eyes, he asked, "Is the baby in your stomach?"

She answered, "He sure is."

Then the little boy, with a puzzled look, asked, "Is it a good baby?"

She said, "Oh, yes. It's a real good baby."

With an even more surprised and shocked look, he asked, "Then why did you eat him?"


I'D RATHER HAVE A PUPPY
A little boy and his dad were walking down the street when they saw two dogs having sex.

The little boy asks his father, "Daddy, what are they doing?"

The father says, "Making a puppy."

So they walk on and go home. A few days later, the little boy walks in on his parents having sex.

The little boy says, "Daddy, what are you doing?"

The father replies, "Making a baby."

The little boy says "Hmmmm, can you please flip Mommy around? I'd rather have a puppy instead!"


DEAD GOLD FISH
Little Tim was in the garden filling a hole when his neighbour peered over the fence.

Interested in what the cheeky-faced youngster was up to, he politely asked, "What are you up to there, Tim?"

"My goldfish died," replied Tim tearfully, without looking up, "and I've just buried him."

The neighbour said, "That's an awfully big hole for a goldfish, isn't it, Tim?"

Tim patted down the last heap of earth and replied, "That's because I couldn't get him out of your cat."


WHISPER
A mother took her little boy to church.

While in church the little boy said, "Mommy, I have to pee."

The mother said to the little boy, "It's not appropriate to say the word 'pee' in church.

So, from now on whenever you have to 'pee' just tell me that you have to 'whisper.'"

The following Sunday, the little boy went to church with his father and during the service said to his father, "Daddy, I have to whisper."

The father looked at him and said, "Okay, why don't you whisper in my ear."

We make a living by what we get,we make a life by what we give

A truly inspiring piece of work! Enjoy!

(",)::~~~
The first day of school our professor introduced himself and challenged us to get to know someone we didn't already know. I stood up to look around when a gentle hand touched my shoulder.

I turned around to find a wrinkled, little old lady beaming up at me with a smile that lit up her entire being. She said, "Hi handsome. My name is Rose. I'm eighty-seven years old. Can I give you a hug?"

I laughed and enthusiastically responded, "Of course you may!" and she gave me a giant squeeze.

"Why are you in college at such a young, innocent age?" I asked.

She jokingly replied, "I'm here to meet a rich husband, get married, and have a couple of kids..."

"No seriously," I asked. I was curious what may have motivated her to be taking on this challenge at her age.

"I always dreamed of having a college education and now I'm getting one!" she told me.

After class we walked to the student union building and shared a chocolate milkshake. We became instant friends. Every day for the next three months we would leave class together and talk nonstop. I was always mesmerized listening to this "time machine" as she shared her wisdom and experience with me.

Over the course of the year, Rose became a campus icon and she easily made friends wherever she went. She loved to dress up and she reveled in the attention bestowed upon her from the other students. She was living it up.

At the end of the semester we invited Rose to speak at our football banquet. I'll never forget what she taught us. She was introduced and stepped up to the podium. As she began to deliver her prepared speech, she dropped her three by five cards on the floor.

Frustrated and a little embarrassed she leaned into the microphone and simply said, "I'm sorry I'm so jittery. I gave up beer for Lent and this whiskey is killing me! I'll never get my speech back in order so let me just tell you what I know."

As we laughed she cleared her throat and began, "We do not stop playing because we are old; we grow old because we stop playing.

There are only four secrets to staying young, being happy, and achieving success. You have to laugh and find humour every day. You've got to have a dream. When you lose your dreams, you die.

We have so many people walking around who are dead and don't even know it!

There is a huge difference between growing older and growing up.

If you are nineteen years old and lie in bed for one full year and don't do one productive thing, you will turn twenty years old. If I am eighty-seven years old and stay in bed for a year and never do anything I will turn eighty-eight.

Anybody can grow older. That doesn't take any talent or ability. The idea is to grow up by always finding opportunity in change. Have no regrets.

The elderly usually don't have regrets for what we did, but rather for things we did not do. The only people who fear death are those with regrets."

She concluded her speech by courageously singing "The Rose." She challenged each of us to study the lyrics and live them out in our daily lives. At the year's end, Rose finished the college degree she had begun all those years ago. One week after graduation Rose died peacefully in her sleep.

Over two thousand college students attended her funeral in tribute to the wonderful woman who taught by example that it's never too late to be all you can possibly be. When you finish reading this, please send this peaceful word of advice to your friends and family, they'll really enjoy it!

These words have been passed along in loving memory of Rose.

REMEMBER, GROWING OLDER IS MANDATORY. GROWING UP IS OPTIONAL.

We make a living by what we get, we make a life by what we give.

God promises a safe landing, not a calm passage. If God brings you to it, He will bring you through it.

"Good friends are like stars... You don't always see them, but you know they are always there."

Rafidah Must Go!

It is becoming increasingly clear that Rafidah Aziz's position in public office has become untenable.

She should therefore resign as Minister of International Trade and Industry and relinquish her postion as Head of Wanita UMNO.

The longer she sticks around, the stronger the stench will become.

Copyright 2003-2005 Azlan Adnan Legal Notice

HAPPINESS

To be happy with a man, you must understand him a lot
and love him a little.
To be happy with a woman, you must love her a lot
and not try understand her at all.

Copyright 2003-2005 Azlan Adnan Legal Notice

The Precious Diamond

Dedicated to my jantung manis,
whose precious diamond, I have seen.
Imagine that you've just met a beautiful girl. The two of you are attracted to each other. And you begin to see her every day. One day you notice that she's wearing a necklace with a shiny stone pendant. "What's that?" you ask. She doesn't seem to hear your question, because she keeps talking about something else.

For some reason that shiny stone sticks in your mind. The next time you see her, you say "Oh, you're wearing it again." "It's nothing," she says, and starts talking about something else. Only now the stone looks a little bigger and shinier.

Now your curiosity is piqued, so you return the next day, and the stone has gotten very large and shiny. What if it's a diamond? you think. Maybe she's wearing a diamond that's so valuable she doesn't want to tell me about it.

Can you imagine how this story will turn out? That's right, she never tells. But the diamond just keeps getting bigger and bigger in your eyes, until you are sure it must be the most precious jewel on earth. That's how attraction grows into deep love. You have to make only one little change--the diamond is inside her. You'll never see it and she will never talk about it, but when you are attracted to a girl--or when a girl is attracted to a boy--love shows you something precious you can't stop wondering about.

It's easy to be attracted to somebody; it's even easy to fall in love. But loving someone else for the spirit inside is really deeper than that: it's like finding a precious jewel that only grows more fascinating. The steps on this path are as follows:

You notice something special that catches your eye.
You become intrigued.
The thing you notice grows in your eyes.
As it grows it becomes more and more special--you begin to find it precious.

So what could this mysterious thing be that attracts you and then turns out to be a diamond? Everyone could come up with an answer but the following three virtues are top among them:

KINDNESS
There is something incredibly touching when you find a kind person. Kindness comes so naturally to them that they don't notice it, because they aren't trying to be kind. You know what it's like to force yourself to "do the right thing" when you don't want to. Kindness doesn't come easily, but when it does, the person whose heart is naturally kind is able to fascinate me year after year. My love never grows old. Kindness can also be called courtesy of the heart.

COMPASSION
Compassion is kindness carried a step further. That makes it even more rare. Compassion is shown by selfless acts of kindness. Compassionate people are always thinking about the welfare of others that they forget to count themselves. In today's society, forgetting to count yourself can make you seem foolish or naive, but to me it's one of the most lovable qualities anyone can possess.

PEACE
This is another rare quality to find, because most people are at peace only when their surroundings are peaceful. It's not hard to be at peace when you come from a happy, contented home and have happy and contented friends. But some wise people can be at peace anywhere, even on a battlefield. The reason wisdom and peace go together is that you have to look deep to get past all the reasons for not being peaceful. These reasons are everywhere. People feel angry or afraid, they worry that things will fall apart or they worry that things have already fallen apart--the list never ends. But there is only one reason to be at peace, and that's because your soul is. Peaceful people seem to show you their soul, and that makes them fascinating without end.

I could add a lot more virtuous qualities to this list. I've been attracted to people because they are courageous or completely honest or truly wise about human nature, or they just have a joyful something in their eyes. Find the hidden jewel in every person and keep noticing it every day. I promise that it will become the most precious diamond on earth.

Of Chance and Choice

It's entirely up to you, Sweetheart...

When we meet the right person to love when we're at the right place at the right time, that's chance.
When you meet someone you're attracted to, that's not a choice. That's chance.
The difference is what happens afterwards.

When will you take that infatuation, that crush, that mind-blowing attraction to the next level?
That's when all sanity goes back, you sit down and contemplate whether you want to make this a marriage or just a fling.

When you decide to love me, even with all my faults, that's not a chance. That's choice.

Do you remember telling me that perhaps what I felt for you was not love, but merely an infatuation, a crush? And I told you that only time will tell? Well, really, what takes a crush to the next level is a conscious choice. I choose to love you, Naim. Truly, I do.

When you choose to be with me, no matter what, that's choice.

Infatuation, crushes, attraction comes to us by chance.
But true love that lasts is truly a choice; a choice that we make.

"Fate brings us together, but it's still up to you to make it happen."

I do believe that soul-mates do exist. That there is truly someone made for each one of us. But it's still up to you to make the choice if you're going to do something about it or not. You may have met me by chance, but loving and staying with me is still a choice you have to make.

"We become happy in love not by finding someone perfect to love... but by learning how to love an imperfect person perfectly..."

(",)::~~~

The 90/10 Principle by Stephen Covey

Discover the 90/10 Principle. It will change your life.
What is the 90/10 Principle?
10% of life is made up of what happens to you.
90% of life is decided by how you react.

What does this mean?
We really have no control over 10% of what happens to us.
We cannot stop the car from breaking down.
The plane will be late arriving, which throws our whole schedule off.
A driver may cut us off in traffic.
We have no control over this 10%.

The other 90% is different.
You determine the other 90%.
How? By your reaction.
You cannot control a red light, but you can control your reaction.
Don't let people fool you; YOU can control how you react.

Let's use an example.
You are eating breakfast with your family.
Your daughter knocks over a cup of coffee onto your business shirt.
You have no control over what just what happened.
What happens when the next will be determined by how you react.
You curse.
You harshly scold your daughter for knocking the cup over.
She breaks down in tears.
After scolding her, you turn to your spouse and criticize her for placing the cup too close to the edge of the table.
A short verbal battle follows.
You storm upstairs and change your shirt.
Back downstairs, you find your daughter has been too busy crying to finish breakfast and get ready for school.
She misses the bus.
Your spouse must leave immediately for work.
You rush to the car and drive your daughter to school.
Because you are late, you drive 40 miles an hour in a 30 mph speed limit.
After a 15-minute delay and throwing $60 traffic fine away, you arrive at school.
Your daughter runs into the building without saying goodbye.
After arriving at the office 20 minutes late, you find you forgot your briefcase.
Your day has started terribly.
As it continues, it seems to get worse and worse. You look forward to coming home.
When you arrive home, you find a small wedge in your relationship with your spouse and daughter.

Why? Because of how you reacted in the morning.
Why did you have a bad day?
A) Did the coffee cause it?
B) Did your daughter cause it?
C) Did the policeman cause it?
D) Did you cause it?
The answer is D.

You had no control over what happened with the coffee.
How you reacted in those 5 seconds is what caused your bad day.
Here is what could have and should have happened.
Coffee splashes over you.
Your daughter is about to cry.
You gently say, "It's ok honey, you just need, to be more careful next time."
Grabbing a towel you rush upstairs.
After grabbing a new shirt and your briefcase, you come back down in time to look through the window and see your child getting on the bus.
She turns and waves.
You arrive 5 minutes early and cheerfully greet the staff.
Your boss comments on how good the day you are having.

Notice the difference?
Two different scenarios.
Both started the same.
Both ended different.
Why? Because of how you REACTED.

You really do not have any control over 10% of what happens.
The other 90% was determined by your reaction.
Here are some ways to apply the 90/10 principle.
If someone says something negative about you, don't be a sponge.
Let the attack roll off like water on glass.
You don't have to let the negative comment affect you!
React properly and it will not ruin your day.
A wrong reaction could result in losing a friend, being fired, getting stressed out, and etc.
How do you react if someone cuts you off in traffic?
Do you lose your temper?
Pound on the steering wheel?
A friend of mine had the steering wheel fall off!
Do you curse?
Does your blood pressure skyrocket?
Do you try and bump them? WHO CARES if you arrive ten seconds later at work?
Why let the cars ruin your drive?

Remember the 90/10 principle, and do not worry about it.
You are told you lost your job.
Why lose sleep and get irritated?
It will work out.
Use your worrying energy and time into finding another job.
The plane is late; it is going to mangle your schedule for the day.
Why take out your frustration on the flight attendant?
She has no control over what is going on.
Use your time to study, get to know the other passenger.
Why get stressed out?
It will just make things worse.

Now you know the 90-10 principle.
Apply it and you will be amazed at the results.
You will lose no thing if you try it.

The 90-10 principle is incredible.
Very few know and apply this principle.
The result?
Millions of people are suffering from undeserved stress, trials, problems and heartache.
There never seem to be a success in life.
Bad days follow bad days.
Terrible things seem to be constantly happening.
There is constant stress, lack of joy, and broken relationships.
Worry consumes time.
Anger breaks friendships and life seems dreary and is not enjoyed to the fullest.
Friends are lost.
Life is a bore and often seems cruel.
Does this describe you? If so, do not be discouraged.
You can be different!

Understand and apply the 90/10 principle.
It will change your life.
Have a Grrrreeeat Day & and even Grrrrrrrrreeeaaaater Tomorrow!!

Beauty

July 18, 2005

Kepada Jantung Manis ku


Beauty

The beauty of a woman is not in the clothes she wears, the figure she carries, or the way she combs her hair.

The beauty of a woman is from her eyes, because that is the doorway to her heart, the place where love resides.

The beauty of a woman is reflected in her soul.

It is the care that she lovingly gives, the passion that she shows.

The beauty of a woman, with passing years, only grows.

(",)::~~~

Life

July 16, 2005

Kepada Jantung Manis ku


Life

As you lie there in your bed,
With doubts and worries in your head,
Your soul is ready to be bared,
But in your heart you're just plain scared
You think of things that could go wrong,
And the bad times seem to go on for so long
The truth is that in your heart,
You really don't know where to start
Against the darkness everyday you fight,
As you long to find the light
Life passes you by in a blur,
You wish you knew where you actually were,
You just want someone to stand by you,
You wish that you could start a new,
This feeling's getting really old,
You feel alone and in the cold
But then you fill with warmth inside,
As you realize the friends right by your side...
Someone with all your problems to share,
For you know deep in your heart I will always be there...

(",)::~~~

Bayu Apartment for Rent

4th Floor, Bayu Apartment, Damansara Damai
3 bedrooms, 2 bathrooms, kitchen, living and dining areas, balcony
RM450 per month

Contact AZLAN
019-28-AZLAN
019-28-29526

"THE BACHELOR" GOES TO PARIS!

Subject: TV show "The Bachelor" is looking for our members.

Dear Sir,

This is from the producer of TV show "THE BACHELOR".

"THE BACHELOR" GOES TO PARIS! -- ABC's "The Bachelor" is searching for America's most eligible man, as we head into the 8th season of the popular reality romance show. Set in Paris, France, this season promises to be the classiest and most romantic ever!

The producers are looking for the man of every woman's dreams, a true "Prince Charming", handsome, successful, fun, and looking for true love. It's a tall order to fill, so if you or someone you know is 25-35 years old, an accomplished CEO, doctor, lawyer, entrepreneur, businessman, etc., and wants to find true love, contact us NOW!

(We also need 25 lovely, smart, interesting girls for him to date, in the same age group.)

To apply or to nominate someone, contact Danielle Barba at dbarbacasting@yahoo.com be sure to include a current photo and brief description of yourself. The deadline is July 20, 2005 but we prefer to receive earlier applications.

Mention you were referred by THE ABSOLUTELY HILARIOUS FABULOUSLY WONDERFUL GUY! or MillionaireMatch.com to get you or your friends priority.

Customer Services
MillionaireMatch.com

Land for Sale

I want to sell my 2 acres of land, now cultivated with oil palm.

Location : Kampong Parit Wer, Telok Kerang, Pontian Johor

Infra structure : Access road, bitumen, electricity and piped water

Nearest town : Pontian Kecil, 10 km distance

Land area : 2 acres

Asking price : RM40,000.00

Ideal for pensioners who want to retire to a calm, cool environment, it is really cool at night, area is surrounded with trees.

A clean stream runs near the land, children can do fishing for catfish, sepat and haruan.

Also suitable for agriculture or rearing of goats, chicken or cattle

Interested, please call me anytime

Mohd Nordin Abbas
012 - 214 8580
dinsufi@tm.net.my

Deer Meat

A hunter kills a deer and brings it home.

He decides to clean and serve the venison for supper. He knows his kids are fussy eaters and won't eat it if they know what it is - so he does not tell them.

His little boy keeps asking him, "What's for dinner?"

"You'll see," says his dad.

They start eating dinner and his daughter keeps asking what they're eating.

"OK," says her dad, "here's a hint: It's what your mother sometimes calls me."

The girl suddenly screams at her little brother, "Spit it out! It's asshole!"

Quotations

Pleasure is always derived from something outside you, whereas joy arises from within.
~ Eckhart Tolle

When you see it right and when you feel it right in the wholeness of your being, you then have created the condition that makes the result inevitable.
~ Stretton Smith

Happiness is not in our circumstance but in ourselves. It is not something we see, like a rainbow, or feel, like the heat of a fire. Happiness is something we are.
~ John B. Sheerin

All that talk about Proton and Rafidah

While I am in admiration for Mahaleel to defend Proton and also of Mahathir's support for Proton, I am saddened that as a consumer, I have little choice but to buy Protons at inflated prices. Protons are sold much cheaper in the UK than in Malaysia, transport cost notwithstanding. How come?

If "cheap" Korean cars really cost RM11,000 how come we don't seem to be able to buy these "dumped" cars at that price at our local Kia or Hyundai showrooms?

And what exactly is the relationship between Rafidah and Naza Motors? Who are the proxies? What are the vested interests? Where is the transparency? Are the conflicts of interest healthy?

Proton also has to admit it is not beyond producing lemons. Recent blunders include the Tiara, Putra and Juara. Maybe it would make sense to design cars that people actually want to buy if you want to increase your market share. Or is this too difficult a concept to comprehend by the spoon-fed "let's ask for a Govt subsidy mentality" of the management at Proton?

Focus on the Water, Not the Cup

A group of working adults got together to visit their University lecturer. The Lecturer was happy to see them. Conversation soon turned into complaints about stress in work and life.

The Lecturer just smiled and went to the kitchen to get an assortment of cups - some porcelain, some in plastic, some in glass, some plain looking and some looked rather expensive and exquisite.

The Lecturer offered his former students the cups to get drinks for themselves.

When all the students had a cup in hand with water, the Lecturer spoke: "If you noticed, all the nice looking, expensive cups were taken up, leaving behind the plain and cheap ones. While it is normal that you only want the best for yourselves, that is the source of your problems and stress. What all you wanted was water, not the cup, but we unconsciously went for the better cups."

"Just like in life, if Life is Water, then the jobs, money and position in society are the cups. They are just tools to hold/maintain Life, but the quality of Life doesn't change."

"If we only concentrate on the cup, we won't have time to enjoy/taste the water in it."

You've got to find what you love

Stanford University
Stanford Report, June 14, 2005

This is the text of the Commencement address by Steve Jobs,
CEO of Apple Computer and of Pixar Animation Studios, delivered on June 12, 2005.


I am honored to be with you today at your commencement from one of the
finest universities in the world. I never graduated from college. Truth be
told, this is the closest I've ever gotten to a college graduation. Today I
want to tell you three stories from my life. That's it. No big deal. Just
three stories.

The first story is about connecting the dots.

I dropped out of Reed College after the first 6 months, but then stayed
around as a drop-in for another 18 months or so before I really quit. So why
did I drop out?

It started before I was born. My biological mother was a young, unwed
college graduate student, and she decided to put me up for adoption. She
felt very strongly that I should be adopted by college graduates, so
everything was all set for me to be adopted at birth by a lawyer and his
wife. Except that when I popped out they decided at the last minute that
they really wanted a girl. So my parents, who were on a waiting list, got a
call in the middle of the night asking: "We have an unexpected baby boy; do
you want him?" They said: "Of course." My biological mother later found out
that my mother had never graduated from college and that my father had never
graduated from high school. She refused to sign the final adoption papers.
She only relented a few months later when my parents promised that I would
someday go to college.

And 17 years later I did go to college. But I naively chose a college that
was almost as expensive as Stanford, and all of my working-class parents'
savings were being spent on my college tuition. After six months, I couldn't
see the value in it. I had no idea what I wanted to do with my life and no
idea how college was going to help me figure it out. And here I was spending
all of the money my parents had saved their entire life. So I decided to
drop out and trust that it would all work out OK. It was pretty scary at the
time, but looking back it was one of the best decisions I ever made. The
minute I dropped out I could stop taking the required classes that didn't
interest me, and begin dropping in on the ones that looked interesting.

It wasn't all romantic. I didn't have a dorm room, so I slept on the floor
in friends' rooms, I returned coke bottles for the 5¢ deposits to buy food
with, and I would walk the 7 miles across town every Sunday night to get one
good meal a week at the Hare Krishna temple. I loved it. And much of what I
stumbled into by following my curiosity and intuition turned out to be
priceless later on. Let me give you one example:

Reed College at that time offered perhaps the best calligraphy instruction
in the country. Throughout the campus every poster, every label on every
drawer, was beautifully hand calligraphed. Because I had dropped out and
didn't have to take the normal classes, I decided to take a calligraphy
class to learn how to do this. I learned about serif and san serif
typefaces, about varying the amount of space between different letter
combinations, about what makes great typography great. It was beautiful,
historical, artistically subtle in a way that science can't capture, and I
found it fascinating.

None of this had even a hope of any practical application in my life. But
ten years later, when we were designing the first Macintosh computer, it all
came back to me. And we designed it all into the Mac. It was the first
computer with beautiful typography. If I had never dropped in on that single
course in college, the Mac would have never had multiple typefaces or
proportionally spaced fonts. And since Windows just copied the Mac, its
likely that no personal computer would have them. If I had never dropped
out, I would have never dropped in on this calligraphy class, and personal
computers might not have the wonderful typography that they do. Of course it
was impossible to connect the dots looking forward when I was in college.
But it was very, very clear looking backwards ten years later.

Again, you can't connect the dots looking forward; you can only connect them
looking backwards. So you have to trust that the dots will somehow connect
in your future. You have to trust in something - your gut, destiny, life,
karma, whatever. This approach has never let me down, and it has made all
the difference in my life.

My second story is about love and loss.

I was lucky - I found what I loved to do early in life. Woz and I started
Apple in my parents garage when I was 20. We worked hard, and in 10 years
Apple had grown from just the two of us in a garage into a $2 billion
company with over 4000 employees. We had just released our finest creation -
the Macintosh - a year earlier, and I had just turned 30. And then I got
fired. How can you get fired from a company you started? Well, as Apple grew
we hired someone who I thought was very talented to run the company with me,
and for the first year or so things went well. But then our visions of the
future began to diverge and eventually we had a falling out. When we did,
our Board of Directors sided with him. So at 30 I was out. And very publicly
out. What had been the focus of my entire adult life was gone, and it was
devastating.

I really didn't know what to do for a few months. I felt that I had let the
previous generation of entrepreneurs down - that I had dropped the baton as
it was being passed to me. I met with David Packard and Bob Noyce and tried
to apologize for screwing up so badly. I was a very public failure, and I
even thought about running away from the valley. But something slowly began
to dawn on me - I still loved what I did. The turn of events at Apple had
not changed that one bit. I had been rejected, but I was still in love. And
so I decided to start over.

I didn't see it then, but it turned out that getting fired from Apple was
the best thing that could have ever happened to me. The heaviness of being
successful was replaced by the lightness of being a beginner again, less
sure about everything. It freed me to enter one of the most creative periods
of my life.

During the next five years, I started a company named NeXT, another company
named Pixar, and fell in love with an amazing woman who would become my
wife. Pixar went on to create the worlds first computer animated feature
film, Toy Story, and is now the most successful animation studio in the
world. In a remarkable turn of events, Apple bought NeXT, I retuned to
Apple, and the technology we developed at NeXT is at the heart of Apple's
current renaissance. And Laurene and I have a wonderful family together.

I'm pretty sure none of this would have happened if I hadn't been fired from
Apple. It was awful tasting medicine, but I guess the patient needed it.
Sometimes life hits you in the head with a brick. Don't lose faith. I'm
convinced that the only thing that kept me going was that I loved what I
did. You've got to find what you love. And that is as true for your work as
it is for your lovers. Your work is going to fill a large part of your life,
and the only way to be truly satisfied is to do what you believe is great
work. And the only way to do great work is to love what you do. If you
haven't found it yet, keep looking. Don't settle. As with all matters of the
heart, you'll know when you find it. And, like any great relationship, it
just gets better and better as the years roll on. So keep looking until you
find it. Don't settle.

My third story is about death.

When I was 17, I read a quote that went something like: "If you live each
day as if it was your last, someday you'll most certainly be right." It made
an impression on me, and since then, for the past 33 years, I have looked in
the mirror every morning and asked myself: "If today were the last day of my
life, would I want to do what I am about to do today?" And whenever the
answer has been "No" for too many days in a row, I know I need to change
something.

Remembering that I'll be dead soon is the most important tool I've ever
encountered to help me make the big choices in life. Because almost
everything - all external expectations, all pride, all fear of embarrassment
or failure - these things just fall away in the face of death, leaving only
what is truly important. Remembering that you are going to die is the best
way I know to avoid the trap of thinking you have something to lose. You are
already naked. There is no reason not to follow your heart.

About a year ago I was diagnosed with cancer. I had a scan at 7:30 in the
morning, and it clearly showed a tumor on my pancreas. I didn't even know
what a pancreas was. The doctors told me this was almost certainly a type of
cancer that is incurable, and that I should expect to live no longer than
three to six months. My doctor advised me to go home and get my affairs in
order, which is doctor's code for prepare to die. It means to try to tell
your kids everything you thought you'd have the next 10 years to tell them
in just a few months. It means to make sure everything is buttoned up so
that it will be as easy as possible for your family. It means to say your
goodbyes.

I lived with that diagnosis all day. Later that evening I had a biopsy,
where they stuck an endoscope down my throat, through my stomach and into my
intestines, put a needle into my pancreas and got a few cells from the
tumor. I was sedated, but my wife, who was there, told me that when they
viewed the cells under a microscope the doctors started crying because it
turned out to be a very rare form of pancreatic cancer that is curable with
surgery. I had the surgery and I'm fine now.

This was the closest I've been to facing death, and I hope its the closest I
get for a few more decades. Having lived through it, I can now say this to
you with a bit more certainty than when death was a useful but purely
intellectual concept:

No one wants to die. Even people who want to go to heaven don't want to die
to get there. And yet death is the destination we all share. No one has ever
escaped it. And that is as it should be, because Death is very likely the
single best invention of Life. It is Life's change agent. It clears out the
old to make way for the new. Right now the new is you, but someday not too
long from now, you will gradually become the old and be cleared away. Sorry
to be so dramatic, but it is quite true.

Your time is limited, so don't waste it living someone else's life. Don't be
trapped by dogma - which is living with the results of other people's
thinking. Don't let the noise of other's opinions drown out your own inner
voice. And most important, have the courage to follow your heart and
intuition. They somehow already know what you truly want to become.
Everything else is secondary.

When I was young, there was an amazing publication called The Whole Earth
Catalog, which was one of the bibles of my generation. It was created by a
fellow named Stewart Brand not far from here in Menlo Park, and he brought
it to life with his poetic touch. This was in the late 1960's, before
personal computers and desktop publishing, so it was all made with
typewriters, scissors, and polaroid cameras. It was sort of like Google in
paperback form, 35 years before Google came along: it was idealistic, and
overflowing with neat tools and great notions.

Stewart and his team put out several issues of The Whole Earth Catalog, and
then when it had run its course, they put out a final issue. It was the
mid-1970s, and I was your age. On the back cover of their final issue was a
photograph of an early morning country road, the kind you might find
yourself hitchhiking on if you were so adventurous. Beneath it were the
words: "Stay Hungry. Stay Foolish." It was their farewell message as they
signed off. Stay Hungry. Stay Foolish. And I have always wished that for
myself. And now, as you graduate to begin anew, I wish that for you.

Stay Hungry. Stay Foolish.

Thank you all very much.

i love you much(most beautiful darling)

by e.e.cummings


i love you much(most beautiful darling)

more than anyone on the earth and i
like you better than everything in the sky

-sunlight and singing welcome your coming

although winter may be everywhere
with such a silence and such a darkness
noone can quite begin to guess

(except my life)the true time of year-

and if what calls itself a world should have
the luck to hear such singing(or glimpse such
sunlight as will leap higher than high
through gayer than gayest someone's heart at your each

nearness)everyone certainly would(my
most beautiful darling)believe in nothing but love

Copyright 2003-2005 Azlan Adnan Legal Notice

If

by e.e. cummings

If freckles were lovely, and day was night,
And measles were nice and a lie warn't a lie,
Life would be delight,--
But things couldn't go right
For in such a sad plight
I wouldn't be I.

If earth was heaven and now was hence,
And past was present, and false was true,
There might be some sense
But I'd be in suspense
For on such a pretense
You would''t be you.

If fear was plucky, and globes were square,
And dirt was cleanly and tears were glee
Things would seem fair,--
Yet they'd all despair,
For if here was there
We wouldn't be we.

Copyright 2003-2005 Azlan Adnan Legal Notice

Naim

Dedicated to my jantung manis

Naim asked Azlan if he thought she was pretty, he said... "No."

She asked him if he would want to be with her forever... and he said "No."

She then asked him if she were to leave would he cry, and once again he replied with a "No."

Naim had heard enough.

As she walked away, tears streaming down her face, Azlan grabbed her arm and said... "You're not pretty, you're beautiful. I don't want to be with you forever; I need to be with you forever. And I wouldn't cry if you walked away... I'd die..."

Naim, I love you because of who you are to me:
You are a true friend.

Copyright 2003-2005 Azlan Adnan Legal Notice

RARE OPPORTUNITY

FOR THE RIGHT DENTAL SURGEON!

1st floor property within walking distance from Salak Tinggi ERL Station for rent (20 minutes by KLIA Transit from KL Central, 5 minutes from KLIA and Putrajaya/Cyberjaya)

IDEAL FOR ONE-CHAIR DENTAL PRACTICE

6 Jalan Airport City 2
Airport City Business Centre
Kota Warisan
43900 SEPANG

Unique Features of Property:
~ newly-completed property (CF issued April 28, 2005)
~ within walking distance of Salak Tinggi ERL Station
~ Kota Warisan is a mixed-race township with Malay majority
~ no existing dental practice in Kota Warisan
~ Numerous corporate employers (MAS, AirAsia, MAB, factories) within vicinity (get on their panel!)
Pos Mini Kota Warisan to open on ground floor (traffic puller!)
New toll-free 6-lane Putrajaya-KLIA Highway opening soon!
~ 7 minutes to Putrajaya/Cyberjaya
~ 2 minutes to KLIA
~ 3 minutes to Bandar Baru Salak Tinggi/Nilai

Basic Details of 1st Floor:
office/retail space, 2 toilets, pantry, balcony
1,400 sq ft (20 x 70 ft)
Available for lease at RM1,500 (negotiable terms)

Detail Equipment (chair, compressor, autoclave, disposables, etc.) Procurement, Leasing and Insurance can be arranged!

CONTACT AZLAN ADNAN TO VIEW TODAY!
Handphone: 012-383 1324
Facsimile: 03-2032 1128
E-mail: azlan.aig@gmail.com
Web: www.geocities.com/azlan088/airport_city