The More You Gain, The More You Have To Lose







Cashflow 101


Cashflow Game Party

(Played on 21th Dec 2008)


(Played on 1st Jan 2009)




(Played on 18th Jan 2009)


(Played on 29th Jan 2009)




Introduction


Cashflow 101 is an educational tool in board game format designed by Robert Kiyosaki (author of Rich Dad, Poor Dad), which aims to teach the players concepts of investing by having their money work for them in a risk free setting (play money) while simultaneously increasing their financial literacy and stressing the imperative nature of accountability.




There are two stages to the game. In the first, "the rat race", the player aims to raise his or her character's passive income level to where it exceeds the character's expenses. The winner is determined in the second stage, "the fast track". To win, a player must get his or her character to buy their "dream" or accumulate an additional $50,000 in monthly cash flow.



Who should play this game?

- Ages 10 and up.
- People who are ready to become rich.
- Parents who are afraid of their kids will never leave home...
and kids who are afraid their parents will move in.
- Baby Boomers wanting more for their retirement.
- People who want to get out of the rat race... and are tired of the rats winning.


This video shows how Cashflow 101 can help you escape the Rat Race! Try it.













If you are interested in playing the game, feel free to contact me.

Glycemic Index

The Glycemic index or GI is a measure of the effects of carbohydrates on blood glucose levels. Carbohydrates that break down rapidly during digestion releasing glucose rapidly into the bloodstream have a high GI; carbohydrates that break down slowly, releasing glucose gradually into the bloodstream, have a low GI. For most people, foods with a low GI have significant health benefits. The concept was developed by Dr. David J. Jenkins and colleagues [1] in 1980–1981 at the University of Toronto in their research to find out which foods were best for people with diabetes.



The effect on blood glucose from a high versus
low glycemic index carbohydrate




Glycemic index of foods

Low GI (55 or less)

Most fruit and vegetables (except potatoes, watermelon), grainy breads, pasta, legumes/pulses, milk, products extremely low in carbohydrates (fish, eggs, meat, nuts,oils)

Check out this Nurtimeal, it only have a GI of 23.


Medium GI (56 - 69)

Whole wheat products, brown rice, basmati rice, orange sweet potato, table sugar

High GI ( 70 - 99)

Corn flakes, baked potato, watermelon, some white rices (eg. jasmine), croissant, white bread, candy, cereal

GI with 100

Straight glucose

My House Interior Design

Overview



My Living Room




My Dining Room




My Kitchen



My Master Room





My Study Room





Wedding Photos










OUR ROM 01/09/2008





Photo Selected for Wedding Album




My Activites






EVENTS FOR 2008








If you are interested in any of the event, please contact

Nutritious Créme Masque

Cleanse
2 to 3 times per week



2.5 fl. oz./ 84 mL



  • Gently removes impurities and excess oils


  • Delivers intense moisturisation


  • Contains plant extracts to firm and soothe

    This skin-quenching masque gently exfoliates as it detoxifies your skin. Rich with vitamins, minerals, and nourishing plant extracts, this luscious treatment will leave your skin feeling soothed, softened, and wonderfully restored. More Info

    Ingredients: Water (Aqua), Glyceryl Stearate, PEG-100 Stearate, Dicaprylyl Maleate, Kaolin, Stearyl Alcohol, Glycerin, C12-15 Alkyl Benzoate, Titanium Dioxide, Glyceryl Laurate, Tetrahexyldecyl Ascorbate, Magnesium Ascorbyl Phosphate, Proline, Vitis Vinifera (Grape) Fruit Extract, Tocopheryl Acetate, Glycine, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Quillaja Saponaria Bark Extract, Yucca Schidigera Extract, Salvia Sclarea (Clary) Extract, Glycine Soja (Soybean) Protein, Retinyl Palmitate, Oryzanol, Tocopherol, Cetearyl Octanoate, Bisabolol, Butyrospermum Parkii (Shea Butter) Fruit, Mangifera Indica (Mango) Seed Butter, Diisopropyl Dimer Dilinoleate, Cetyl Lactate, Butylene Glycol, Magnesium Aluminum Silicate, Xantham Gum, Sea Salt, Disodium EDTA, Sodium Hydroxide, Vegetable Oil, Copper PCA, Calcium PCA, Zinc PCA, Magnesium PCA, Manganese PCA, Pentylene Glycol, Undecylenoyl Glycine, Capryloyl Glycine, Fragrance (Parfum).

    Eye Nourisher

    The ENHANCER
    For: Crow's feet and dark circles



    0.4 fl. oz./ 12 mL



  • Minimizes the appearance of fine lines and wrinkles


  • Eye area looks well-rested and refreshed


  • Ophthalmologist-tested
    Soften away the appearance of fine lines and wrinkles with this nutrient-rich emulsion made specifically for the eye area. Regenisomes™ and our exclusive DSR™ technology combine with soothing botanicals to brighten the eye area and leave you with a well-rested and refreshed appearance. The delicate skin around your eyes will look visibly younger, firmer, and smoother with daily use of this moisturizing complex. More Info

    Ingredients: Water (Aqua), Cyclopentasiloxane, Cetearyl Glucoside, Cetearyl Alcohol, Glycerin, Hydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer, Squalane, Polysorbate 60, Isohexadecane, PPG-12/SMDI Copolymer, Cetyl Methicone, Dimethicone, Dimethicone/Vinyl Dimethicone Crosspolymer, Glucosamine HCl, Algae Extract, Yeast Extract, Tetrahexyldecyl Ascorbate, Glycine Soja (Soybean) Protein, Micrococcus Lysate, Magnesium Ascorbyl Phosphate, Hydrolized Lupine Protein, Proline, Glycine, Vitis Vinifera (Grape) Fruit Extract, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Sambucus Nigra Flower Extract, Chondrus Crispus (Carrageenan) Extract, Malva Sylvestris (Mallow) Extract, Limnanthes Alba (Meadowfoam) Seed Oil, Butyrospermum Parkii (Shea Butter) Extract, Diisopropyl Dimer Dilinoleate, Tocopherol, Tocopheryl Acetate, Oryzanol, Retinyl Palmitate, Carbomer, Sodium Hydroxide, Vegetable Oil, Disodium EDTA, Butylene Glycol, Glyceryl Laurate, Pentylene Glycol, Undecylenoyl Glycine, Capryloyl Glycine.

    Perfecting Essence

    The ENHANCER
    For: Loss of radiance and blotchiness



    1.0 fl. oz./ 30mL



  • Combats multiple signs of aging


  • Contains three skin brighteners


  • Gentle enough for sensitive skin

    Discover a more youthful, luminous appearance with this gentle, creamy gel. Designed for sensitive skin, this illuminating formula dramatically reduces the appearance of fine lines and wrinkles using advanced DSR™ technology to improve skin's smoothness, firmness, clarity, and texture. A breakthrough in skin-care technology, PERFECTING ESSENCE beautifully renews the skin, leading to visible improvements in skin tone and elasticity while it helps prevent future signs of aging from appearing. Beneficial for all ages, use this restorative treatment daily to reveal your healthiest, most radiant looking skin. More Info

    Ingredients: Water (Aqua), Butyrospermum Parkii (Shea Butter) Fruit, Cyclopentasiloxane, Ethylhexyl Palmitate, Squalane, Hydrolyzed Lupine Protein, Dimethicone, Glyceryl Laurate, Glucosamine HCl, Algae Extract, Yeast Extract, Urea, Tetrahexyldecyl Ascorbate, Glycine Soja (Soybean) Germ Extract, Cyclodextrin, Vitis Vinifera (Grape) Fruit Extract, Tocopheryl Acetate, Magnesium Ascorbyl Phosphate, Glycine, Proline, Diisopropyl Dimer Dilinoleate, Tocopherol, Oryzanol, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Glycyrrhiza Glabra (Licorice) Root Extract, Olea Europaea (Olive) Leaf Extract, Trifolium Pratense (Clover) Flower Extract, Acrtostaphylos Uva Ursi (Bearberry) Leaf Extract, Aleurites Moluccana Seed Oil, Cetyl Alcohol, Glyceryl Stearate, PEG-75 Stearate, Ceteth-20, Steareth-20, Sea Salt, Sclerotium Gum, Hydroxyethylcellulose, Glycerin, Sodium Hydroxide, Disodium EDTA, Vegetable Oil, Sodium Citrate, Calcium PCA, Magnesium PCA, Manganese PCA, Pentylene Glycol, Undecylenoyl Glycine, Capryloyl Glycine, Fragrance (Parfum).

    Rice Bran Polisher

    The ENHANCERS
    For: Dull, uneven texture



    2.5 fl. oz./ 84 mL



  • Loosens and dissolves dead skin cells


  • Reveals a fresher complexion


  • Contains plant extracts to hydrate and soften skin

    Revive the freshness of your complexion with this gentle exfoliant. Natural fruit enzymes, beta-hydroxy acid, and rice-bran beads remove impurities and dead skin cells while aloe and other natural emollients nourish and refresh, leaving skin smoother, clearer, and more radiant. More Info

    Ingredients: Water (Aqua), Glyceryl Stearate, Stearic Acid, Oryza Sativa (Rice) Bran Wax, Oryza Sativa (Rice) Bran Powder, Cetyl Esters, Glyceryl Laurate, Glycine Soja (Soybean) Oil, Tetrahexyldecyl Ascorbate, Magnesium Ascorbyl Phosphate, Glycine Soja (Soybean) Protein, Proline, Vitis Vinifera (Grape) Fruit Extract, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Quillaja Saponaria Bark Extract, Yucca Schidigera Extract, Salvia Sclarea (Clary) Extract, Avena Sativa (Oat) Kernel Flour, Glycine, Papain, Tocopheryl Acetate, Aleurites Moluccana Seed Oil, Aloe Barbadensis Leaf Juice, Salicylic Acid, Retinyl Palmitate, Oryzanol, Tocopherol, Squalane, Diisopropyl Dimer Dilinoleate, Sea Salt, Glycerin, Sorbitol, Magnesium Aluminum Silicate, Hydroxyethylcellulose, Aminomethyl Propanol, Butylene Glycol, Vegetable Oil, Disodium EDTA, Calcium PCA, Magnesium PCA, Manganese PCA, Pentylene Glycol, Undecylenoyl Glycine, Capryloyl Glycine, Fragrance (Parfum).

    Night Renewal

    The BASIC
    Step 3: Replenish, p.m.



    1.3 fl. oz./ 38 mL



  • Works at night to deliver vital nutrients


  • Delivers powerful moisturization and nourishing plant extract


    Wake up to younger looking, rejuvenated skin. This nutrient-rich, hydrating créme works overnight, while your skin is more receptive to moisture, to renew your skin after the day's exposure to the environment. Formulated with Regenisomes™, DSR™ technology, and firming botanicals, this restorative emulsion instantly boosts moisture levels and stimulates cell growth for a healthy, luminous complexion. More Info

    Ingredients: Water (Aqua), Glycerin, Cetearyl Glucoside, Cetearyl Alcohol, Cyclomethicone, Limnanthes Alba (Meadowfoam) Seed Oil, Butyrospermum Parkii (Shea Butter) Extract, Hydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer, Squalane, Polysorbate 60, Isononoyl Isononoate, Isohexadecane, Glycine Soja (Soybean) Protein, Butylene Glycol, Dimethicone, Glyceryl Laurate, Glucosamine HCl, Algae Extract, Yeast Extract, Urea, Tetrahexyldecyl Ascorbate, Glycoproteins, Hydrolyzed Lupine Protein, Proline, Glycine, Vitis Vinifera (Grape) Fruit Extract, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Sambucus Nigra Flower Extract, Chondrus Crispus (Carrageenan) Extract, Malva Sylvestris (Mallow) Extract, Cyclopentasiloxane, Cetyl Alcohol, Magnesium Ascorbyl Phosphate, Dimethicone/Vinyl Dimethicone Crosspolymer, Diisopropyl Dimer Dilinoleate, Tocopherol, Tocopoheryl Acetate, Oryzanol, Sea Salt, Sodium Hydroxide, Disodium EDTA, Vegetable Oil, Calcium PCA, Magnesium PCA, Manganese PCA, Pentylene Glycol, Undecylenoyl Glycine, Capryloyl Glycine, Fragrance (Parfum).

    Daytime Protective Emulsion

    The BASIC
    Step 3: Replenish, a.m.



    1.3 fl. oz./ 38 mL



  • Delivers intensive, all-day moisture

    Face every day with radiance as you protect, hydrate, and replenish your skin with this high-performance moisturizer enriched with Regenisomes™. This lightweight, non-greasy formula nourishes while it defends against harsh environmental elements, minimizing their impact and leaving your skin soft and smooth. More Info

    Ingredients: Water (Aqua), Ethylhexyl Methoxycinnamate, C12-15 Alkyl Benzoate, Diisopropyl Adipate, Benzophenone-3, C20-22 Alkyl Phosphate, C20-22 Alcohols, Butyl Methoxydibenzoylmethane, PPG-12/SMDI Copolymer, Glyceryl Laurate, Tetrahexyldecyl Ascorbate, Aloe Barbadensis Leaf Juice, Hydroxyethyl Acrylate/Sodium Acryloyldimethyl Taurate Copolymer, Glycoproteins, Caprylic/Capric Triglyceride, Glycine Soja (Soybean) Protein, Vitis Vinifera (Grape) Fruit Extract, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Sambucus Nigra Flower Extract, Chondrus Crispus (Carrageenan) Extract, Malva Sylvestris (Mallow) Extract, Proline, Glycine, Diisopropyl Dimer Dilinoleate, Tocopherol, Tocopheryl Acetate, Oryzanol, Plankton Extract, Squalane, Sea Salt, Salicylic Acid, Magnesium Ascorbyl Phosphate, Polysorbate 60, Sodium Hydroxide, Glycerin, Vegetable Oil, Disodium EDTA, Butylene Glycol, Calcium PCA, Magnesium PCA, Manganese PCA, Pentylene Glycol, Undecylenoyl Glycine, Capryloyl Glycine, Fragrance (Parfum).

    Hydrating Toner

    The BASIC
    Step 2: Tone



    4 fl. oz./ 135 mL



  • Restores proper pH balance


  • Non-drying formula


  • Safe for all skin types

    Refresh and revitalize your skin with this soothing toner. Essential to removing any lingering impurities after cleansing, this moisturizing blend of pure-plant extracts balances your skin's pH and helps combat environmental influences. Bathe your skin with essential nutrients that leave your skin looking soft, smooth, and refined. More Info


    Ingredients: Water (Aqua), Alcohol Denatured, Glycerin, Polysorbate 20, Sodium PCA, Magnesium Ascorbyl Phosphate, Tetrahexyldecyl Ascorbate, Glycine Soja (Soybean) Protein, Proline, Vitis Vinifera (Grape) Fruit Extract, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Quillaja Saponaria Bark Extract, Yucca Schidigera Extract, Salvia Sclarea Extract, Glycine, Oryzanol, Tocopheryl Acetate, Retinyl Palmitate, Tocopherol, Allantoin, Panthenol, Diisopropyl Dimer Dilinoleate, Butylene Glycol, Calcium PCA, Magnesium PCA, Manganese PCA, Sea Salt, Disodium EDTA, Sclerotium Gum, Vegetable Oil, Polyacrylamide, Pentylene Glycol, C13-14 Isoparaffin, Glyceryl Laurate, Laureth-7, Undecylenoyl Glycine, Capryloyl Glycine, Fragrance (Parfum).

    Gentle Daily Cleanser

    The BASIC
    Step 1: Cleanse



    4 fl. oz./ 135 mL



  • Gently cleanses without drying


  • Leaves skin moist and supple


    Use this exceptional, soap-free cleanser to wash away surface dirt and impurities without drying your delicate facial skin. A unique formulation of pure-plant extracts deeply cleanses and hydrates the skin, leaving it moist and supple. This refreshing gel is a great way to revive your complexion at the beginning and end of each day. More Info

    Ingredients: Water (Aqua), PEG-7 Glyceryl Cocoate, Decyl Glucoside, PEG-120 Methyl Glucose Dioleate, Magnesium Ascorbyl Phosphate, Tetrahexyldecyl Ascorbate, Glycine Soja (Soybean) Protein, Proline, Vitis Vinifera (Grape) Fruit Extract, Camellia Sinensis Leaf Extract, Echinacea Angustifolia Extract, Centella Asiatica Extract, Quillaja Saponaria Bark Extract, Yucca Schidigera Extract, Salvia Sclarea Extract, Aloe Barbadensis Leaf Extract, Glycine, Oryzanol, Tocopheryl Acetate, Retinyl Palmitate, Tocopherol, Sucrose Cocoate, Diisopropyl Dimer Dilinoleate, Disodium EDTA, PEG 90M, Butylene Glycol, Alcohol Denatured, Sea Salt, Sodium Hydroxide, Vegetable Oil, Pentylene Glycol, Glycerin, Calcium PCA, Magnesium PCA, Manganese PCA, Glycol Stearate, Glyceryl Laurate, Capryloyl Glycine, Undecylenoyl Glycine, Fragrance (Parfum).