CHAKDE-Internet, Mobile, Information Communication Technology, Punjabi Food & Health

Wednesday, May 19, 2010

Buying properties at a discount

One of the fundamentals of property investment is to buy at a discount. You build a safety margin when you buy at a discount. In fact, if you buy at a discount, you would have made money from the purchase already. On the other hand, if you paid higher than the market value, then you would have to wait for the price to rise before you can make money.
But of course, everyone knows this already. The problem is to find such a property. You have to search, and search hard. So, where can you find these discounted properties? One answer that leaps out is property auctions. As I have written about auctions before, I’m going to share another answer with you today – motivated sellers.
Motivated sellers
There are people out there, termed as motivated, desperate or distressed sellers, who are willing to sell their properties below the market value. Yes, some will even sell at a lower figure (at a loss) than the price they paid for the property. So, all you have to do now is to locate these sellers. Look a little bit harder at the classified advertisements in the newspapers, and you will find them.
Although it can be because the property is in a poor location, but often, there is nothing wrong with the property itself. There are a multitude of reasons why a seller becomes a motivated seller. For example, perhaps the owner had died and the children are selling the property to share the spoils. Perhaps the owners (husband and wife) are separating. Or perhaps the owner is facing a cash crunch and need to free his or her cash flow. The owner might be moving, migrating or may have lost his or her job. Whatever the reasons might be, the main thing is that they are willing to sell the property below the market value. A better way is to view the sellers as people who are in need of help. The sellers need to sell the properties to raise cash. And as long as the properties remain unsold, their problem remains.
At the same time, you have to be realistic as well. If the market value of the property is RM500,000, you should not expect to buy it for RM100,000 or even RM200,000 (unless the owner is really, really desperate). If you offer RM350,000 for it, there is a good chance the seller will agree. While that is not exactly a fire sale, you are getting a very good deal. In this example, you are getting a RM150,000 discount (30 percent off). That is a fabulous deal.
During a financial crisis, then it becomes a fiesta! There will be plenty of properties that will be going at prices well below the market value. Why? Because there will be thousands of owners who are unable to meet their financial obligations anymore. You will be doing them a huge favour by buying the property.

Tuesday, May 18, 2010

JB's nightlife takes a hit

JOHOR BARU: The opening of the two casinos in Singapore is hurting Johor Baru’s nightlife, with many entertainment outlets and massage parlours experiencing a drastic drop in business.
Johor entertainment outlet operators association president Tan Yam Meng said that many people, especially those operating pubs and discotheques, were complaining about the drop in business.
There was a lot of hype about the two casinos and how Johor would benefit from the spillover.
However, it has not been good for the state’s nightlife as locals now prefer to head to the casinos after work to gamble and enjoy round-the-clock entertainment, he said.
He hoped the state government would revise the 1am closing time to 3am.
Tan pointed out that Malaysians make up 70% of the clients frequenting nightspots while the rest were Singaporeans and tourists.
“Now with so many Malaysians going across, it is hurting our business. Why would someone want to enjoy in Johor Baru until 1am when he can do the same for 24 hours at the casinos?” he said.
He added that if the trend continued, many local entertainment operators would have to close shop.
Tan said there were about 100 entertainment operators within the Johor Baru district.
The cost of opening an entertainment outlet was high with anything between RM100,000 and RM1mil.
Some had experienced a 40% drop in business.
“While the hotel industry seems to be enjoying better business with people opting to stay in our hotels, many people are now heading to the casinos instead of frequenting our outlets.
“The market is getting bad and we hope the situation will stabilise within the next six months,” he said, adding that offering discounts or other promotions would not be able to lure the people back.
Soon said that extending business hours was a step in the right direction as businesses were surviving on their local customers.
The Marina Bay Sands casino started operations last month while the Resorts World Sentosa opened its doors in February.

Sunday, April 25, 2010

 

Dal Tadka

Ingredients

Tur dal: 200 gms
Turmeric powder: 3 gms
Cooking oil - 1/2 teaspoon
Water - 2 cups
Coriander powder: 5 gms
Red chilli powder: 5 gms
Onion (chopped): 50 gms
Tomato: 30 gms
Ginger (chopped): 5 gms
Garlic (chopped): 5 gms
Green chilli (chopped): 3 gms
Cumin seeds: 3 gms
Desi ghee: 25 ml
Golden fried onion: 1 tablespoon ( optional )
Fresh coriander (chopped): 10 gms

Method

Boil dal with water in pressure cooker by adding turmeric powder, oil and salt.

Separately heat ghee in a pan. Add cumin seeds and let them crackle.

Add ginger, green chilli and garlic and sauté for 30 seconds. Add onions and cook till light brown.

Add red chilli powder and coriander powder and sauté for 45 seconds on low heat.

Add tomatoes and cook till the ghee comes on the top.

Add boiled dal to this tadka, mix well and adjust salt to taste. Garnish with golden fried onion ( optional ) on top and chopped fresh coriander leaves.


MTR Instant Rava Idli with Coconut Chutney

Did you know Rava Idlis were first invented at MTR? During World War II, rice was in short supply. MTR experimented with wheat and thus was born the enormously popular "Rava Idli."

Cooking Instructions

Mix 1 measure of MTR Instant Rava Idli mix with 1/2 measure of sour curd.

Add 50g of finely chopped coriander leaves to the mix.

After 1 min, add 1 measure more of sour curd and mix well.

After 2 min, steam batter in an idli cooker or idli vessel for 10-12 min.

Serve with coconut chutney and potato sagu.


Paneer is an Indian cottage cheese. It resembles tofu in colour, taste and feel. Paneer is the vegetarian substitute to chicken. Palak paneer, mutter paneer, paneer butter masala, paneer tikka masala, paneer pasanda, chilli paneer, paneer kofta, kadhai paneer and shahi paneer are dishes with iconic status for most restaurant-goers. Even fast food chains now sell pizzas topped with chunks of fried or barbecued paneer.

How to make it?

Paneer is surprisingly easy to make, which perhaps explains its popularity with homemakers and chefs. After curdling hot milk with some lemon juice or vinegar, the whey is drained and the curd is pressed dry and cut into firm blocks. Softer varieties of paneer go into the making of sweets such as rasogolla. The cheese does not require maturing. It has a short lifespan: refrigerated paneer keeps for five days while frozen paneer stays fresh for a month.

Paneer is nutritious, and not too high in calories. The calorie count depends on whether whole milk or skimmed milk goes into the making of paneer. It also depends on whether the milk is from a cow or a buffalo – typically, buffalo milk is creamier and higher in calories. A hundred gram of paneer contains 100-160 calories. This is not a high number: many dried legumes contain more calories. Rajmah, for example, contains 335 calories for 100 gm. Paneer is rich in protein: 100 gm contains around 12-14 gm of first-class protein comparable with the protein in egg white and meat. Fat forms only 5 gm out of a 100 gm block of paneer, but it is predominantly saturated fat. The food is rich in minerals, but there are only insignificant amounts of vitamins and there is no dietary fibre.

Paneer’s weakness is the company it keeps during cooking. As with the potato, butter, ghee and large amounts of oil tend to make paneer dishes fattening. Low-cal paneer recipes are not as popular as the richer ones, but they are worth trying out because very few vegetarian foods contain the high-quality protein that paneer does.

Recipe & Photo Credit - The Hindu & ITC Mumbai

Try these recipes ..



Paneer Tikka

Ingredients

Paneer - 50 gms
Salt to taste
Garam masala - 5 gms
Red chilli paste- 8 gms
Kasoori methi powder - 4 gms
Ginger-garlic paste -10 gms
Beaten hung curd - 30 ml
Lemon juice - 3 ml

Method

Dice the paneer and marinate with the above mentioned ingredients. Keep aside for half an hour and cook in tandoor or grill on tawa or cook in OTG. Serve hot with mint chutney.

Paneer Butter Masala

Ingredients

Paneer tikka - 10 pieces
Ghee - 05 gms
Tomato puree (fresh) -100 ml
Butter 04 gms
Cream -10 ml
Onion (chopped) - 60 gms
Salt - 05 gms
Ginger (chopped) - 05 gms
Green chillies (chopped) - 03 gms
Garam masala - 03 gms
Kasoori methi powder - 03 gms
Red chilli powder - 03 gms
Coriander (chopped) - 04 gms
Sugar - 8 gms
Yellow butter - 10 gms

Method

Heat the ghee and add chopped onions. Sauté till golden brown, then add chopped ginger, and green chillies and ginger-garlic paste. Then add tomato puree and cook till oil comes out. Put all the dry powders, check seasoning, finish it with yellow butter and cream and serve garnished with chopped coriander.

Palak Paneer

Ingredients

Desi ghee: 50 ml
Cumin seeds: 5 gms
Garlic (chopped): 10 gms
Spinach (chopped and blanched): 200 gms
Spinach paste (blanched): 250 gms
Salt: to taste
Green chilli paste: 10 ml
Paneer cubes (fried): 200 gms
Cream: 30 ml
Butter: 10 gms

Method

Heat ghee, add cumin seeds and let it crackle. Add chopped garlic and sauté. Add chopped spinach and simmer for two minutes. Add spinach paste and simmer till the moisture evaporates. To this add salt, green chilli paste, paneer cubes and cook it for a while. Finish the dish with butter and cream.

MSTB sets up RM11mil software testing lab



KUALA LUMPUR: The Malaysian Software Testing Board (MSTB) spent RM11mil setting up its software testing lab in Puchong here.
Mastura Samah, president of MSTB, said the lab — called the Q Lab — has 50 certified software testers and has garnered interest from several local and foreign companies.
She declined to name the companies and said the lab would be officially launched in the near future.
Software testing involves detecting flaws and bugs in software before the products are released commercially, and the programs are also tested for ease-of-use.
The building of the lab dovetails with MSTB’s plan to position Malaysia as the regional hub for software testing. It also wants the country to be internationally recognised for software testing services.
Its plan involves offering state-of-the-art testing facilities and to attract software developers in neighbouring countries to employ the services of its certified lab testers.
“The fact that we speak English gives us an edge over our competitors. We believe that Malaysia can excel in software testing for the oil and gas, telecommunications, and financial services industries,” Mastura said.
The country has 600 certified testers and MSTB’s aim is to increase this to 10,000 over the next five years.
“Two years ago, we only had 90 testers. Malaysians are realising that software testing can be a very lucrative career because a certified tester could earn as much as RM50,000 a month,” she said.
MSTB also organises profile-raising events like the Software Testing Conference (Softec) 2010. The talk is themed Bridging the Gap and will run from July 19 to 21 at the Crowne Plaza Mutiara Hotel.
It targets software testing professionals, students and managers. MSTB expects 600 to 1,000 attendees at the seminar.
Among the speakers will be Dave Miller, vice-president of courier company FedEx, and Professor Jasbir Dhaliwal, head of the system testing excellence programme at the University of Memphis, in the United States.
Softec, now in its third year, will be introducing the Q-Merit Award, that gives recognition to individuals and organisations that have contributed to software testing in Malaysia.

Carrots for PHP on Windows developers



KUALA LUMPUR: Software giant Microsoft Malaysia in collaboration with the Multimedia Development Corporation (MDeC) and PHP.net.my — a community of developers for the scripting language — have launched two new websites, PHPAcade.my and PHPmarketplace.my.
PHP.net.my founder and president Ahmad Amran Kapi said the two sites would help PHP developers get more proficient in coding PHP in a Windows environment, as well as market their PHP skillsets.
“Although Linux (an open-source operating system) is still the most frequently used platform for PHP deployments, PHP developers are increasingly choosing Windows as their platform of choice because many organisations require new applications to run in that environment,” he said.
In a survey conducted by the special interest group and Microsoft late last year, it was found that 70% of PHP developers would consider deploying PHP-based applications on a Windows platform.
PHP is a general purpose scripting language widely used to create web applications. Popular sites like Facebook and Wikipedia, as well as applications like WordPress are PHP-based.
Answer to a call
According to the survey, the local PHP developer community also wanted more training and awareness programmes on how to deploy PHP in a Windows environment.
“PHPAcade.my is responding to this request,” Ahmad said. PHPAcade.my is an online, self-paced training facility that will provide thorough but easy-to-follow instructions for deploying PHP on the Windows platform.
However, participants must have a basic understanding of PHP before considering the programme because it is not an introductory course to PHP.
Upon successful registration, participants get to download the PHP on Windows Training Kit, which is developed by Microsoft.
PHPAcade.my also provides virtual lab facilities required to complete the course online so that the developers won’t need to invest in a server of their own.
The lab allows students to install, configure and operate a complete PHP application on a full Windows platformm, as well as get the tools they need to complete the lab exercises in the training kit.
They will also be able to seek further instructions and ask questions about the assignments and the programme through a moderated forum.
Coming soon
Ahmad said the programme lasts for a week and organisers are now deliberating over the fees. The programme is expected to kick off next month.
After honing their skills on PHPAcade.my, graduates will get the opportunity to moneytise their skills at PHPMarketplace.my.
This is an online service that matches PHP on Windows developers to organisations looking for such expertise.
Companies and individuals can bid for jobs, and the job advertisers will select the winning bidders based on their credentials, experience and asking price.
Graduates of PHPAcade.my are automatically channeled to PHPMarketplace.my, but other PHP developers are also welcome to use the service.

New body making an impact against cyberattacks


CYBERJAYA: Countries can now react faster to cyberattacks, thanks to the establishment of The International Multilateral Partnership Against Cyber Threats (Impact) Global Response Centre a year ago.
Prior to Impact’s establishment, there was a lack of co-ordination between governments, Internet service providers (ISPs) and antivirus companies in any reaction to cyberthreats.
Datuk Mohd Amin, chairman of Impact, said that when cyberattacks were launched against Estonia’s parliament, banking and newpaper websites in 2007, the attacks came from various places in the world, making it difficult for the country’s Computer Emergency Response Team (CERT) to respond effectively.
“The CERT struggled to call in the governments and ISPs from the countries where the attacks came from for a co-ordinated response,” he said.
Worse, Estonia did not have diplomatic ties with some of the other countries.
Thus, the idea for Impact, which comprises a cyberthreats resource centre, was born. An international organisation headquartered here, it is a one-stop contact point for countries that come under cyberattack.
“Impact bands governments all over the world against cyberthreats. It also works with prominent network security giants such as Trend Micro, F-Secure, Symantec and Kaspersky,” Amin said.
Expert help
Through Impact’s partnership with these security vendors, countries can get cutting-edge expertise.
Raimund Genes, chief technology officer at Trend Micro, said Impact helps governments better understand cyberthreats and to be better prepared to handle such attacks.
If Estonia were to be attacked today, all the CERT authority would have to do is call Impact, which would then organise and co-ordinate the response by the governments and ISPs in the countries where the attacks were originating from.
Genes also said that Impact provides collective intelligence on online security.
Syarisa Abubakar, director of policy at Impact’s centre of policy and international co-operation, said Impact has rolled out its services to 39 countries after just one year in operation.
“These countries include those in Africa, The Middle East and Asia Pacific. Some are developing nations where there are no cyberlaws or CERTs,” she said.
Impact also assesses the cyberneeds of some of these countries. “We have already done a needs assessment for Afghanistan and will be doing the same for East African companies at the end of this month,” Syarisa said.
“We will be reviewing the cyberlaws in these countries and their technical expertise requirements in the event of a cyberattack,” she added.

Hypnotherapy in hospitals

As hospitals increasingly acknowledge the therapeutic value of hypnotherapy, hypnotherapists are now looking toward putting their work under scientific scrutiny.
CLINICAL hypnosis, or hypnotherapy, may still be a new buzzword to many doctors here in Malaysia, but it is no stranger to Harvard Medical School associate professor of psychiatry Dr David C Henderson.
“While doing hypnosis is not a big part of what we do (in the Massachusetts General Hospital, the teaching hospital of the Harvard Medical School), it is a component,” he says in an interview during a lecture visit to Kuala Lumpur recently.
Not asleep: When a willing person is guided into a hypnotic trance (a state of deep relaxation where she is relaxed and focused at the same time) the hypnotherapist can access her subconscious mind and give positive suggestions to help her change her behaviour or emotional response to one that is conducive to health and well being.
“For decades, we’ve used it in pain management in acute inpatient care. For instance, in the programme we have in the burns unit, it is a component in pain management.”
Dr Henderson’s “acquaintance” with hypnotherapy started when he was still in medical school.
“When I was a resident, I trained in psychiatry in the late 80s and early 90s. It was something I was taught how to do,” he says.
When he practised, hypnosis had helped him ease his patient’s pain. “I remember I had some patients who has been hospitalised for sickle cell anemia, and one of the things I did was hypnosis, to help them deal with the pain when they were in acute crisis,” he recalled.
However, as there is little evidence to support the efficacy of hypnotherapy in its other roles (such as smoking cessation, weight management, and overcoming phobia), even after it has been taught in medical schools and used for decades in US hospitals such as the MGH, the role of hypnotherapy is often limited to pain management and relief of mild psychological conditions such as depression.
“I would say that hypnotherapy needs to really catch up with other therapies ... it needs science to help us understand what it does,” says Dr Henderson.
To date, even hypnotherapists do not know exactly how it works. They have a rough idea: when a willing person is guided into a hypnotic trance (a state of deep relaxation where he is relaxed and focused at the same time), the hypnotherapist can access his subconscious mind and give positive suggestions to help him change his behaviour or emotional responses to one that is conducive to health and well-being.
So, whether it is coaxing a subconscious mind into reducing its perception of pain, or doing away with the irrational compulsion to shrink into a quivering ball at the sight of a spider, what hypnotherapy does is basically to equip a person, mentally, to overcome those physical and psychological challenges.
As the director of studies of the London College of Clinical Hypnosis (LCCH) Peter Mabbutt notes, “It is important to note that we don’t work with physical symptoms (like pain). We work with the psychological response to the symptom.”
In the United Kingdom, says Mabbutt, hypnotherapists are working in a variety of areas in palliative care. They are also looking at working with people with heart disease patients within the cardiovascular care unit. “We are helping them manage the emotional response they are having to their particular condition, and also the fact that they could be coming to the end of their lives.”
Beyond that, the possibilities are exciting. People with conditions that are linked to, or exacerbated by stress – like irritable bowel syndrome, asthma, or psoriasis, may benefit from hypnotherapy as it can help them relax.
Taking patients who have anxiety due to breathlessness as an example, Mabbutt says that they may benefit if hypnotherapy can help them change their response to the symptom. “By helping them change their response (from an anxious one to a relaxed one), we help them reduce their anxiety, and that helps them manage their breathing cycle more appropriately,” he explains.
Even skin disorders, like warts, appear to succumb to hypnotherapy. “There is good evidence that hypnotherapy is very good at clearing warts. But we don’t know how it works,” says Mabbutt. “(In hypnotherapy), you just visualise your wart and imagine it withering away. And it does.”
It does sound implausible, but Mabbutt attributes the phenomenon to the belief system that we all have in us. “I think when people have a strong belief system (that the wart will fall off), the wart does fall off.”
“So, we know that we are doing something that involves belief systems, but we don’t know the exact mechanisms on how it works yet.”
But with hypnotherapy finding its way to more and more clinical settings and medical schools, Mabbutt hopes this will change.
In Malaysia, we are doing some studies on pain control, and we are in the plan of carrying out a huge study in looking at the efficacy of hypnosis in smoking cessation, says Mabbutt. Studies to look at the use of hypnotherapy in other conditions, like cystic fibrosis, are also under way.
But the effectiveness of the therapy is not the only area hypnotherapists are interested in. As hypnotherapy does not work for everyone, hypnotherapists would also need to find out which are the best candidates who would benefit most from the therapy. “We’ve got to work out who it works for and why it works. And we’ve got to be open to other therapies that might work for somebody else,” says Mabbutt.
While properly conducted studies are planned and just about to start, Mabbutt foresees a strong future for hypnotherapy. “By working together with the medical community to quantify and research hypnotherapy, we want to work towards a situation where we fit in. We don’t want to be esoteric,” Mabbutt explains.

Followers