Tongkat Ali of Life

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~ Koh Pitt ~

I was born in a secluded village on a mountain. Day by day, my parents plowed the yellow dry soil with their backs towards the sky. 

I have a brother who is 3 years younger than me. I wanted to buy a handkerchief, which all girls around me seemed to have. So, one day I stole 50 cents from my father’s drawer. Father had discovered about the stolen money right away. 

He made me and my younger brother kneel against the wall as he held a bamboo stick in his hand. “Who stole the money?” he asked.I was stunned, too afraid to talk. Neither of us admitted to the fault, so he said, “Fine, if nobody wants to admit, you two should be beaten!” 

He lifted up the bamboo stick. Suddenly, my younger brother gripped father’s hand and said,” Dad, I was the one who did it!” The long stick smacked my brother’s back repeatedly. Father was so angry that he kept on whipping my brother until he lost his breath.

After that, he sat down on our stone bed and scolded my brother, “You have learned to steal from your own house now. What other embarrassing things will you be possibly doing in the future? You should be beaten to death, you shameless thief!” 

That night, my mother and I hugged my brother. His body was full of wounds from the beating but he never shed a single tear. In the middle of the night, all of sudden, I cried out loudly. My brother covered my mouth with his little hand and said, ” Sis, now don’t cry anymore. Everything has happened.” 

I still hate myself for not having enough courage to admit what I did. Years gone by, but the incident still seemed like it just happened yesterday. I will never forget my brother’s expression when he protected me. 

That year, my brother was 8 years old and I was 11 years old. When my brother was in his last year of secondary school, he was acceptedin an upper secondary school in the central. At the same time, I was accepted into a university in the province. That night, father squatted inthe yard, smoking, packet by packet. 

I could hear him ask my mother, “Both of our children, theyhave good results? very good results?” Mother wiped off her tears andsighed,” What is the use? How can we possibly finance both of them?” At that time, my brother walked out, he stood in front of father and said, “Dad, I don’t want to continue my study anymore, I have read enough books.

“Father swung his hand and slapped my brother on his face. “Why do you have a spirit so damn weak? Even if it means I have to beg for money on the streets, I will send you two to school until you have both finished your study!” 

And then, he started to knock on every house in the village to borrow money. I stuck out my hand as gently as I can to my brother’s swollen face, and told him, “A boy has to continue his study; If not, he will not be able to overcome this poverty we are experiencing.

“I, on the other hand, had decided not to further my study at the university. Nobody knew that on the next day, before dawn, my brother left the house with a few pieces of worn-out clothes and a few dry beans. He sneaked to my side of the bed and left a note on my pillow; “Sis, getting into a university is not easy. I will go find a job and I will send money to you.

“I held the note while sitting on my bed, and cried until I lost my voice.  

That year, my brother was 17 years old; I was 20 years old. With the money father borrowed from the whole village, and the money my brother earnedFrom carrying cement on his back at a construction site, finally, I managed to get to the third year of my study in the university. 

One day, while I was studying in my room, my roommate came in andTold me, “There’s a villager waiting for you outside!” Why would there be a villager looking for me? I walked out, and I saw my brother from afar. His whole body was covered with dirt, dust, cement and sand.

I asked him, “Why did you not tell my roommate that you are my brother?” He replied with a smile,” Look at my appearance. What will they think if they would know that I am your brother? Won’t they laugh at you?

“I felt so touched, and tears filled my eyes. I swept away dirt and dust from my brother’s body. And told him with a lump in my throat, ” I don’t care what people would say! You are my brother no matter what your appearance is?” 

From his pocket, he took out a butterfly hair clip. He put it on my hair and said, “I saw all the girls in town are wearing it. So, I think you should also have one.” I could not hold back myself anymore. I pulled my brother into my arms and cried. 

That year, my brother was 20 years old; I was 23 years old. I noticed that the broken window was repaired the first time I brought my boyfriend home. The house was scrubbed cleaned.

After my boyfriend left, I danced like a little girl in front of my mother, “Mom, you didn’t have to spend so much time cleaning the house!” But she told me with a smile,” It was your brother who went home early to clean the house. Didn’t you see the wound on his hand? He hurt his hand while he was replacing the window.

“I went into my brother’s bedroom. Looking at his thin face, I feltLike there are hundreds of needle pricked in my heart.  I applied some ointment on his wound and put a bandage on it, “DoesIt hurt? ” I asked him. “No, it doesn’t hurt. You know, when at the construction site, stones keep falling on my feet . Even that could not stop me from working.” In the middle of the sentence, he stopped. I turned my back on him and tears rolled down my face. 

That year, my brother was 23 years old; I was 26 years old. After I got married, I lived in the city. Many times my husband invited my parentsTo come and live with us, but they didn’t want. They said, once theyleft the village, they wouldn’t know what to do. My brother agreed with them. He said, “Sis, you just take care of your parents-in-law. I will take care of mom and dad here.

“My husband became the director of his factory. We asked my brother to accept the offer of being the manager in the maintenance department.But my brother rejected the offer. He insisted on working as a repairman instead for a start. 

One day, my brother was on the top of a ladder repairing a cable, when he got electrocuted, and was sent to the hospital. My husband and I visited him at the hospital. Looking at the white gypsum on his leg, I grumbled, “Why did you reject the offer of being a manager? Managers won’t do something dangerous like that. Now look at you, you are suffering a serious injury. Why didn’t you just listen to us?” 

With a serious expression on his face, he defended his decision,“Think of brother-in-law. He just became the director, and I being uneducated, and would become a manager, what kind of rumors would fly around?” 

My husband’s eyes filled up with tears, and then I said, “But you lack in education only because of me!” “Why do you talk about the past?” he said and then he held my hand. 

That year, he was 26 years old and I was 29 years old. My brother was 30 years old when he married a farmer girl from the village. DuringThe wedding reception, the master of ceremonies asked him, “Who is the one person you respect and love the most?”

Without even taking a time to think, he answered,” My sister.”He continued by telling a story I could not even remember. 

“When I was in primary school, the school was in a different village. Everyday, my sister and I would walk for 2 hours to school and back home. One day, I lost the other pair of my gloves. My sister gave me one of hers. She wore only one glove and she had to walk far. When we got home, her hands were trembling because of the cold weather that she could not even hold her chopsticks. 

From that day on, I swore that as long as I live, I would take care of my sister and will always be good to her.” Applause filled up the room. All guests turned their attention to me. I found it hard to speak, “In my whole life, the one I would like to thank most is my brother,” 

And in this happy occasion, in front of the crowd, tears were rolling down my face again. 

*Love and care for the one you love every single days of your life. 

*You may think what you did is just a small deed, but to that someone, it may mean a lot. 

Author: Unknown

Safe up all your money..!!

Public Mutual is going to launch two new funds next month - November

Will keep you all update..

Today is my eight time to donate blood. 

The first time I donated was in 2000. I was 26 years old. 

(It’s not really encouraging statistically because the average of me donating is only about once a year). 

We can actually donating every three months. 

My parents told me I must not donate blood due to my skinny figure. 

I go ahead without listening to my parents because I told myself, let the doctor decide if I’m able to donate blood or not.  

Secondly, to know that I’m actually saving someone life and that someone is alive because of me.

Too good to be true..?!

Just reply and give me your address & I will post it to you..!

There’s no hidden charge or cost..!

I just want to do some charity & give back to society.. 

In return, I just want you to take a picture of you with the free t-shirt that I’ve send to you.

Limited..!!

1. Depends on Yourself 

Never depends on anybody if you want to be financial stable.

Don’t think your parents can help you when you have financial difficulties. 

2. Save Money 

Don’t under estimate how little you save daily or monthly. If you save RM10.00 per day, you will get RM300.00 per month & RM3, 600 per year.  

You can start investing your money as minimum as RM1, 000 to get a better returns (interest).   

If you plan to keep you money in Fixed Deposit, current returns are 3.75% per annum (year). 

Alternative plan is to invest your money in Unit Trust which able to give you an estimate returns of 6 – 8 % per annum. 

Or go in to stock market, which is too risky if you do not experience. 

3. No to Credit Card 

If you have little or do not have any saving at the end of the month make sure that you say no to credit card. 

Even if someone approach you & tell you it is free for life. It’s actually the annual charge is free for life but not what you swipe.

Only apply for credit card if you are able to pay all the debt on time every month or else credit card will charge you a very, very high interest. 

4. Buy things you need, not want 

The differences between need & want: 

Your shoes are thorn, you need to buy a new one or else you can’t go to work. 

You saw a new branded shoe just launched and you want it. 

5. Cook at Home 

Buy grocery and cook at home weekly. Budget your spending. E.g.: RM70 per week. Cook at home can save more & it takes care of your health.

You don’t know what quality of ingredients that the chef put in! 

6. Socialize Wisely 

I am not asking you to socialize with the rich only. I am telling you to socialize with friends that can give you ideas on how to be financial stable.  

Yes, in point #1 I did mention only to depend on yourself. 

In this case, I am asking you to learn from your friends but not asking money from them. 

Learn from their mistake & success. 

7. Read 

Reading can help you to speed up your financial freedom because the person has been, he/she has put their experience in the book.  

It is up to you to pick it up, read it, learn it & use it. 

If the book is too expensive, try to make time & read it in the book shop (I know it sound a little bit of cheap skate.. You want to save money, don’t you??!!) . It’s like going to library.

8. Built Network 

Get to know who can help you to reach financial goals.  

Again, in point #1 I did mention not to depend on anybody. 

What I meant is, get to know as many people as you can & share your business proposal or idea to them (Not asking money from them).

If they like it, they will definitely support you & tell others about it.

Ask them how did they do it?  

9. No Free Lunch  

There’s no short cut to financial freedom.  

If anybody told you that they can double up your money in a short term, you need to be very careful. 

Think; ask why is this person had to come to you if they are already wealthy? Why not they just give you the money instead? 

10. Plan 

You need to plan.

What would you like to have in 3 years, 5 years & 10 years time?

Back to point #9, there’s no short cut to richness.

List it out. Let’s say your dream car is a BMW, your dream house is a new bungalow & you don’t want to worry about money when you retire. 

What is the best & shortest possible ways to get there?  

How much you need to start saving or investing now in order to reach your finanacial goal?  

What type of investments option out there? E.g.: Bank, Stock Market, Unit trust, property & etc.