Congratulations! You have managed to save, and quite a bit too!

Now, do you have plans for your savings? Perhaps you intend to buy a
Playstation or that expensive tennis Wilson racquet once you have
accumulated enough. It’s good to have a goal when you embark on a
savings programme because the goal encourages you to save – rather
like dangling a carrot in front of the donkey, although you are far
from being a donkey if you are clever enough to give yourself a
motivation to save.

So if you don’t have a goal, think of one. You don’t have to confine
yourself to one goal – have several goals if they help you save more,
as long as they are realistic and worthwhile objectives.

Meantime, while you save furiously towards your goal or goals, where
do you keep your savings? Stashed away in your drawer? That’s not a
wise thing to do, because there is this terrible thing called
Inflation which, figuratively speaking, is just waiting to gnaw at
idle savings. It sees your money just lying there in your drawer and
wham! it’s got your money in its jaws!

Inflation & Purchasing Power

What is Inflation? No, it’s not an insect or animal. It’s abstract.
Inflation is the economic term for rising prices, or rising cost of
living. Inflation is when the prices of things you buy are rising.
Let me give you an example. Let’s say your family takes grandmother
out to dinner at your favourite Nyonya restaurant. It’s your
grandmother’ s first visit to Kuala Lumpur or to a city for that
matter – she lives in a small town and she hardly ever ventures
beyond her garden gate.

Of course, you have to order your favourite dessert – ice kacang! You
can’t resist that pile of crushed ice rainbow-coloured by syrups and
milk, sitting on top of various beans, corn, bits of jelly, longan
and what-else-have- you, and topped with ice-cream. When your father
fishes out RM4.50 to pay for your ice kacang – watch out for grandma!
She might fall off her chair in shock! Why? Because during the time
she was a kid, ice kacang probably only cost 10 sen. TEN SEN??!! Now
it is your turn to fall off the chair!

That’s what we mean by inflation. Rising prices. Sixty years ago, an
ice kacang cost 10 sen. Today it costs RM4.50 at a proper restaurant
and RM1.50 from a hawker stall. Its price has shot skyward. Put in
another way, inflation has reduced the purchasing power of money
through time. Your granny’s 10 sen cannot buy a bowl of ice kacang
today, maybe only that bit of crushed ice. The 10 sen has lost a lot
of its buying power; it buys less than what it did 60 years ago. In
fact, today’s hawker price of ice kacang won’t stay RM1.50 forever.
It will go up and you don’t have to wait till you are a
grandmother/ grandfather to see this. By the time you are a
mother/father, we’ll bet an ice kacang would probably cost nearer to
RM2 at the stalls.

That’s inflation for you. And the sad news is that inflation does not
only attack foods. It is pervasive, sinking its claws in all things
and services that are part of living – clothes, furniture, bicycle,
house, cinema tickets, taxi fares, park rides etc. etc. That’s why it
is called the rising cost of living.

So what does this mean for your savings? Simply that if you just
stash away your savings – let’s assume that you have saved RM100 – in
a drawer, your RM100 just remains RM100 until you want to use it.
Meanwhile inflation is nibbling away at the value of your RM100 so
that when you actually use it much, much later, your RM100 is not
going to be able to buy you as much as when you started to save it.
This is because – depending on how long you keep your money – prices
of things would have risen in the meantime. Of course, if you
immediately use your savings, inflation probably won’t have a chance
to work yet. But then, we are talking about a savings programme here,
and that means a long enough time frame for your savings to grow –
and for inflation to kick in.

So what must you do? To fight inflation, you must make your savings
grow in value, faster than the inflation rate. If you just let the
RM100 of your savings stay the same, you know that through time the
purchasing power of your RM100 will not be RM100, but less – because
the prices of things are continuously rising. However, if your RM100
savings could grow to, say, RM150; then in future you can not only
buy the same things that your RM100 could at the start of your
savings, you can also buy more things.

Investing is the way to go

To make your money grow, you certainly do not leave your cash in your
drawer or stuff it under the mattress or anywhere else where it just
stays put, and forget about it until you want to use it. To make your
money grow, you must do a second smart thing – your first smart move
was to save – you must invest it.

Investing is defined as using your money (in this case, your savings)
to make more money. Grown-ups, the wise ones, do that. They invest to
make money with their money and when this has grown, they re-invest
the bigger sum and in the process of re-investing again and again,
their money is doubled, tripled or multiplied many times more. That’s
how people get rich – not through winning the lottery (you have one
chance in 7 million or something like that) but through saving and
investing. You can do the same with your small sum of savings and
watch it grow.

There are different ways to invest your money so as to earn a return.
A return is the amount of earnings or income that you get from your
investment. The easiest and most common way is to put your savings
into a bank savings account or fixed deposit. Your savings will grow
because the bank pays you a certain sum of money (your return) called
interest, as long as your money stays with the bank. This way your
savings grows until you want to use it and when you withdraw it from
your bank account, the amount of money that you have now will be your
original savings plus the interest it has accumulated. It is no
longer just your RM100 but a bigger sum.

So bank accounts are one type of investment. Another is investing in
the stock market by buying shares of companies. Many adults do this.
We shall explain more about shares in another article. For now, know
that people invest in shares, hoping to earn a return in two ways.
One is from receiving dividends, which is simply the monetary reward
that companies pay out to shareholders when the companies perform
well. The second is from realising a profit when they sell off their
shares. Profit is the gain in money between what you paid for the
shares and what you get when you sell the shares. Simple Maths will
explain profit. For instance, if you had a savings of RM600 and
bought 200 shares for RM3 a share, and three months later, you sold
your 200 shares at RM4 a share, you would make a profit of RM200.

Here’s how:

Cost of buying 200 shares at RM3 a share = 200 x RM3= RM600.
Amount of money received from selling 200 shares at RM4 a share = 200
x RM4 = RM800.
Profit = Sale minus Purchase = RM800 – RM600 = RM200.

The profit has made your savings swell from RM600 to RM800.

There are other ways of investing your money.

You could even buy a house, if you have loads and loads of money
(say, through inheriting a fortune from your favourite aunt who
passed away). If you rent out your house, your return will be the
amount of rental income you receive from your tenant. Which
investment method you choose depends on factors like how much savings
you have and how much returns you want to make. Each investment has
its pros and cons.
For instance, investing in shares can earn you more returns than bank
accounts, but it is riskier. If you put your savings into a bank
account, your money is safeguarded. You can’t lose it like you can
lose your money in shares if you pick the wrong share to buy. Even if
the bank gets robbed, or burnt down or goes bankrupt, the law of the
country provides that you will get your money back. Not so with
shares investing. However the return from the bank interest is rather

Investing in property like a house could earn you massive returns,
but it is a long-term investment. It would be years and years before
the prices of houses rise for you to sell your house and make a
profit. (Remember? Profit equals Sale minus Purchase.) Getting your
return from investing in shares is much, much faster but like we said
before, you must be smart (and lucky enough) to select the right
share to buy or else you could lose your money invested.

In fact with all types of investment (except perhaps for bank
accounts), there is always a possibility of losing your savings, much
less about getting a return. If you invest unwisely, you could lose
both your original sum of savings and get no returns at all.

However, there’s no mistake about this: investing is the way to build
your wealth.

You just have to invest wisely.


December 1, 2011

The computer screen is not very good at displaying a big historical timeline; the low typographic resolution of the screen forces viewers to scroll endlessly through century after century (and, even worse, horizontal scrolling). Perhaps, on the computer screen, time should flow vertically, with events described by lines of horizontal type at each date. On the other hand, it is nice to maintain the time-flowing-left-to-right convention used in excellent timelines (printed, lots of overlapping events, hundreds of events).
Edward Tufte, Ask ET, 2002

How to bulletproof your website
Test, don’t assume anything — and test again
By Esther Shein
November 28, 2011

Computerworld – ‘Tis the season to begin ramping up online shopping activity, and for retailers that means doing all they can to ensure their websites are up, highly available and able to handle peak capacity. Looming in many IT managers’ minds is the cautionary tale of Target, whose website crashed twice this fall after it was inundated by an unprecedented number of online shoppers when the retailer began selling clothing and accessories from high-end Italian fashion company Missoni.

“We are working around the clock to ensure that our site is operating efficiently and delivering an exceptional guest experience that’s reflective of Target’s brand,” said a Target spokesperson in an email, but declined to give specifics on the measures the company has taken.

One company’s hardship is often another company’s gain, and those that face well-publicized failures tend to become de facto role models, retail industry watchers say. Take what happened to Best Buy in 2005: Its website experienced what some have called a catastrophic holiday failure and customers were unable to make online purchases. That same year, competitor Circuit City saw a huge spike in traffic, says Dave Karow, senior product manager of Web performance and testing at Keynote, a firm that monitors and tests mobile and Internet performance.

“There’s nothing like falling flat on your face to give you the conviction to do right thing going forward. That was an extremely effective wakeup call for Best Buy,” he says, adding that the retailer now conducts several load tests throughout the year.

Web retailers should be shooting for 99.5% availability, otherwise “they’re not cutting it,” Karow maintains. “Ninety-nine percent is not acceptable because if you achieve that, you’re still one percent unavailable.” That has a significant impact since it means more than one percent of potential transactions didn’t occur — and likely won’t going forward, he says.

This holiday season, more than ever, Web retailers need to be prepared for the onslaught, since a growing number of consumers will be using mobile devices to shop. A report recently released by mobile ad network InMobi claims an estimated 60 million mobile users are planning to use their devices to shop during the Black Friday/Cyber Monday holiday weekend, with over 21 million intending to make purchases from those devices.
Prepare, test and review

Online shoe retailer Zappos conducts load testing early in the fall to ensure its site stays up and highly available during the holiday season, says Kris Ongbongan, senior manager, technical operations and systems engineering. Every year they follow the same procedure, he says: estimate load.

“We have our finance and planning departments give us sales predictions and we take a multiple of that to see what traffic we can absorb and test to that,” typically beginning in September, Ongbongan says. That gives them enough time to make changes and add any necessary infrastructure.
Website uptime

Retailers should go through their transaction volume testing and validation in the September/October timeframe and then code lock their systems until about January 15th, suggests Michael Ebert, a partner in IT Advisory Services at KPMG. During that period, “retailers typically freeze their systems … and don’t do updates unless absolutely necessary to avoid performance issues,” he says.

Another practice the very large Internet retailers tend to employ is having distributed networks in order to route traffic to make sure transactions are balanced around the U.S., Ebert says. That way, if one site gets too busy the customer will automatically be routed to another. “So make sure you have multiple points of your Internet presence around the U.S.” A data center “may be slow to respond, but at least I’m up and running,” he adds. “There’s always a percentage of business you never regain if someone leaves the site.”

Another metric that retailers need to be concerned with is latency, or the response time for how long it takes a page to load and for the payment transaction to be completed. “I expect we’ll see some latency concerns” or other problems during the check-out step during this holiday season, predicts Greg Girard, program director, IDC Retail Insights. That’s because there are throughput bottleneck issues at the gateway to the credit card processing network, he says.

“The micro-economic problem is that it costs money to maintain capacity that you utilize only at the peak time, which is only very infrequently during the year. It’s an economical tradeoff you have to make.”
Over-provisioning via cloud

For a lot of smaller online retailers, it’s hard to justify the return on investment for increasing the capacity they need to handle 12 hours of peak usage on one day of the year, says Girard. “That’s where cloud comes into play, and we’re seeing some retailers adopt cloud strategies. That’s really going to progress going forward.” Retailers will be able to get additional peak capacity at an incremental cost by moving to the cloud, he says.

Zappos’ Ongbongan says they handle all network functions internally and do not use cloud providers. “We have instrumentation around every transaction point on the website, from search pages to product detail pages to checkout,” he says, “so we can look at each individually to see if there’s any slowness or problems in any of those areas.”

But no matter how prepared you are, problems can still occur, especially when you outsource to third-party vendors. “Nothing is fully bulletproof, so really what [online retailers] need to try and achieve is fault tolerance,” says Mike Gualtieri, a principal at Forrester Research. He recalls a retailer he worked with that uses an external credit card service that went down one year on Cyber Monday, so the company’s orders couldn’t be processed.

“Their e-commerce system is in-house, so they had planned for volumes — searching and shopping the site — but they have a service level agreement with a credit card service processing service that said, ‘We can handle that volume.’ So they did all the right things for their own systems and planned for the [increased] volume on Cyber Monday, but were held hostage by this particular provider,” Gualtieri says.

He says he recommended that the retailer re-architect its site so if the payment processor were to go down again the company could still collect the order and payment information and process payments at a later time. That’s particularly useful for small retailers, he says, who may not be able to invest in technologies like an online shopping cart and have to rely on third parties for the functionality.

Regardless of their size, Gualtieri says, retailers need to examine every component of their systems and assign a confidence level between one and five. “Every online retailer should look at their entire ecommerce architecture and all the components they use: shopping cart, products search, account registration–whatever they have–and rate their confidence level.

“Don’t assume that everything will go right,” Gualtieri says. “Assign a confidence level and don’t fret too much, but have a mitigation strategy and backup plan.”
Optimize for traffic

Among the lessons Karmaloop learned during the 2010 holiday season were that its content delivery network configuration was not optimized for the traffic it was going to experience on Cyber Monday, says Joseph Finsterwald, CTO at the online retailer of alternative street fashion for men and women. “We worked with our CDN vendor Akamai to come up with a configuration that was a better fit for us,” he says. The firm also discovered problems with parallel processes on the network and synchronization issues when servicing up Web pages, which was corrected by rewriting code.

Revenues are growing 50% to 70% year over year, Finsterwald says, so Karmaloop is using Keynote’s LoadPro Web load-testing services to ensure its site is not strained. Because its CDN network was not optimized to handle this level of traffic in past years, the site experienced “frequent” network outrages, he said, although he declined to provide specifics.

“It gives you peace of mind that we can come up with a reasonable facsimile under peak load,” Finsterwald says. “Load testing is an inelegant science; you’re trying to simulate user traffic, but you’re integrating a lot of third-party components.” If a test is done on a quiet day, a third party may be able to scale to handle that, but all bets might be off when they’re handling multiple clients.

This year, when conducting load testing, Karmaloop scaled its systems to a high enough load to trigger a problem for the vendors to address proactively. “We saw performance degradation with some of our vendors,” says Finsterwald, “so we’re following up with them to make sure they’re doing what they need to do.”

Keynote’s Karow concurs. “Load testing done right has to be a very close representation of what real users are going to do, so it takes real thinking about what people do and the various systems involved and are you stressing those systems?”
Talk to your stakeholders

Also critical to the success of keeping systems up and highly available is making sure everyone is on the same page. “Everybody needs to be involved in the planning and predictive process,” says Zappos’ Ongbongan. At Zappos, that means everyone from brand marketing to financial planning to warehouse staff is involved in planning for peaks in site traffic.

One thing his group learned from talking with other departments was that their peak traffic typically occurs in mid-December, as opposed to right after Thanksgiving or right before Christmas.

Forrester’s Gualtieri says it’s a definitely a problem when a marketing group doesn’t let IT know what it’s doing that might cause site traffic to spike. He says he worked with a large Midwestern insurance company that spent a couple of million dollars on its first TV ad during a football game. When the ad aired, the company’s site went down “almost instantly,” because the company’s marketing department didn’t tell IT it was running the ad. “So IT had no idea they were going to expect 500 times the normal amount of traffic,” he says, and they ended up wasting their money on the ad.

Despite all the proactive measures retailers may be taking, Gaultieri predicts there will still be “some high-profile outages” this holiday season. “One, two or several will happen. I also think a lot will happen that you’ll never hear about … I don’t think this problem is going to go away.”

Although companies are becoming savvier about bulletproofing their sites, crashes will inevitably occur due to continuous changes made to enhance the online shopping experience, he says. “You can’t just put a site up and have it be static; there are lots of moving parts and it creates complexity, and there’s fallout.”

Esther Shein is a freelance writer and editor. She can be reached at

Website-bulletproofing tips

* Test early to make sure there’s enough capacity and that loads are balanced correctly.
* Make sure traffic predictions are vetted by enough internal stakeholders so you’re not guessing what your peak might be.
* Check everything from application servers to your network firewall, all the way down to the speed of your Internet connection — and check more than twice.
* Have contingency plans in place in case you exceed your traffic expectations. One way to do that is by removing the functionality that takes a lot of processing power or bandwidth, such as dynamically displaying customized information for each visitor.
* If you’re going to take your site down for required maintenance, make sure there’s another way for people to get to it.
* Make sure an e-commerce site is secure, specifically against DDoS attacks.
* Freeze all maintenance and any non-critical code changes in the November/December timeframe.
* Make sure every component has a risk-mitigation strategy so there is a plan in place if something on the network goes down.
* Communicate with marketing and other relevant business units to make sure you understand their promotion and other plans.
* Consider a move to the cloud to handle seasonal peak capacity.

The Blanket With Sleeves
I have to start with the Snuggie. It’s a cheap, polyester blanket with sleeves worn backwards, that also has the effect of making you look like an extra in a B-movie cult film. The best part is that while the Snuggie might be popular, they copied the idea from a small business owner. We might laugh at the commercials (have you seen the Macarena one?) but the company is laughing all the way to the bank with something like 4-5 million sold. That’s at a price of $19.95 plus shipping and handling. Personally, I think they ripped off Yoda. Let’s not leave your pets out, because there’s a Snuggie for dogs too.

Billy Bob Teeth
Halloween is coming and costume stores will be popping up. You might have used Billy Bob Teeth to complete your costume without realizing it. This company makes teeth overlays to make it appear as if you have (usually) bad teeth. I want to slap myself every time I see these things because I know that they probably cost 50 cents to make in China but they sell here start at $9.99 here. Someone is wearing those fake teeth all the way to the cashier window, and it’s not me.

The Pottery That Grows
Ch-ch-ch-chia! You’ve seen the commercials. You spread some seeds on the outside of a figure (President Obama head anyone) or sprinkle them in a small pot, water it, and then it magically grows! Chia seeds are actually edible (maybe not the ones that come with your “pet”) and are high in Omega-3 fatty acids. You can find the seeds or chia flour at your local health food stores. A chia pet is about $17.99 at your local drug store. A pound of high quality organic chia seeds is around $15 retail. You get just a few ounces with your “pet” and they pay wholesale. By the way, those chia seeds will grow on just about any surface. Drop some onto a plate, add water and watch them grow. Man, am I in the wrong business.

Slip ‘n Slide
If you were a kid in the last three decades, then you know this one. It’s the Slip ‘n Slide. For those of you that have no clue what this is, it’s a long, thin piece of plastic to which you attach your garden hose. Somewhere in the plastic are little holes that allows water to escape and the plastic to get wet. You’re expected to take a running start and leap onto this wet plastic and slide your way to heaven. Well, not you, but your kid is. Now, I think of myself as a smart person, so I don’t know why I didn’t think of putting down a tarp, greasing or soaping it up to make it slippery, then setting my garden hose on it for hours of fun, but someone else did, and now they’re rich. I’m not mad.
I bet that one surprised you, didn’t it? Do you want to know what’s actually in the stuff? It’s made from sodium percarbonate mixed with a bleaching agent called sodium carbonate (washing soda). And here I thought my dual biology and chemistry degrees wouldn’t come in handy. You’re thinking that this must be some magic chemical? Nope. If you own a pool, sodium percarbonate is the stuff that you drop in there to keep the pool clean. You can get bucket loads of it for cheap. When mixed together and dissolved in water, the two chemical form hydrogen peroxide in water. Yes, good ‘ole hydrogen peroxide that you have in your medicine cabinet and sprinkle on cuts. Hydrogen peroxide acts sort of like a bleach because it is a strong oxidizing substance. You can make your own version of this at home with the following recipe:

1 cup water
1/2 cup baking soda (or washing soda for really bad stains)
1/2 cup hydrogen peroxide
You can find washing soda at your local hardware store. Arm & Hammer makes some.

So that’s it folks. Those are my top five. Someone is going to disagree with me for some things on my list, but it’s my list! You can also check out some more dumb ideas that made people rich. Can you think of some more dumb things that made someone a heck of a lot of money?

The Seven Essential Factors You Have To Examine When Seeking The Best Forex Broker

There are numerous forex brokers you can choose from. What really differentiates from each other are the services and information unique to each one. How to distinguish a good one from a bad company? What are the major factors that come into play?

What you should investigate in selecting the one best for you, depends on your trading strategy and several other factors.

These 7 points will help you narrow down that perfect fit of a broker that will help your activities in foreign exchange trading:

1. Types of account. Many forex brokers offer different types of accounts depending on the amount of capital you will put in. This is essential to know particularly if you are a novice or a conservative trader. What you should do here is to find out what kinds of accounts your target forex brokers have and what alternatives each account will bring you.

2. Demo Accounts. Some brokers offer demo accounts or accounts where you are allowed to trade by trial so that losses and gains will appear only on paper. This is beneficial for beginners so that they can get used to the trading environment.

3. Leverage. Simply explained, leverage financing is the opportunity to borrow the broker’s money to make a profit if there is a chance. Your small investment may multiply into more significant gains, but there is certainly also the risk of losing money. Various broker companies have different leveraging practices, so information on what they could offer would be useful for you.

4. Software and Platform. The more elite brokers offer highly developed technology to their clients. The platforms where you monitor the prices, get quotes and compare charts are absolutely vital in forex trading. You have to know if the broker you have in mind can deliver these features and more. Most investors regard these useful platforms as an essential thing in the business.

5. Spread. Spread varies from account types and brokers. A lower spread means logically a higher gain for the trader. This is where your profit would come from so it is logical to investigate about what types of spreads, whether fixed or variable, are offered by the broker.

6. Fees. Fees like rollover fees for open trades are pretty much standard for most forex brokers. There are also many fees that you do not know about. The good news is that some brokers cancel these fees away on special accounts if requested.

7. Support. When there is a feature in the software you cannot access or a flaw in the platform, a forex broker’s technical support can win your respect as a client. Assistance in whatever you need, whether it is software, hardware or even sound advice is a prime asset of a good broker company. It is what keeps the clients in.

Certainly, there are several other minor considerations that distinguish one forex broker from the next. These seven points will give you a basis, while your trading strategy and specific needs will dictate the rest. Research and scrutiny will point you to the right decision of who gets to handle your investment and gets your loyalty in the long run. Currency trading is a working partnership with your forex broker, and a long-lasting cooperation can only benefit both sides.

If you found the right broker that fits most your needs, there is one more kind of support you will need to be successful, namely a reliable forex signal provider. Forex signals are trend forecasts plus trend recommendations and are available online. But be careful and always check out the track record of the service provider, as only reliable forex signals will make you profits.

Foreign Exchange Trading Lessons: Get What You Need To Become A Constantly Winning, Successful Forex Trader
A good way to do this is to use a book or ebook. These are usually organized in a way that will be easy to follow and will cover the basics for beginners. Most will also cover more advanced aspects as you progress.

What Is Yen Carry Trade And What Type Of Influence It Can Have On Your Currency Trading Performance?
The JPY is the currency most frequently involved in carry trade. This is because over the past years it has consistently been a major currency with the lowest interest rate. The BoJ, which controls Japanese interest rates, has set them at a a very low level.

Basic Currency Trading Systems Using Trend Lines: Can You Indeed Make Money With Them?
There are many forex strategies that you can master or devise for yourself but one of the simplest involves using trend lines to indicate when you should buy or sell.

Trading Currencies – 5 Reasons You Ought To Find Out How To Trade Currencies
There are many reasons why trading currencies has become popular. In this article we will discuss 5 of these reasons and why you should learn how to trade Forex and start using your internet to earn an income from home.

Candlestick Charts For Foreign Exchange Traders – Basic Knowledge About The Most Crucial Technical Analysis Device In Forex Trading
Automated Forex Trading Is A Growing Industry
Forex Market Analysis: Which Type Is More Reliable, And The Right Way To Apply It In Your Strategy?
Strategies You Can Use Effectively To Be A Successful Trader In The Foreign Exchange
Avoid Characteristics Which Can Make You Lose Your Trading Capital
Free Currency Trading Signals: Are They A Good Alternative To Earn Money In The Currency Exchange Markets?
Trading Currencies – 5 Reasons Why People Ought To Know How You Can Trade Forex
A Currency Trading Demo Platform Shows You How It Works Before You Get Engaged In It For Real
Currency Trading Strategies: Four Golden Rules For Both Expert And Newbie Forex Traders
The Two Main Kinds Of Forex Brokers And Why It Is Necessary To Understand Their Differences
Currency Trading Brokers: What To Examine When Searching For The One That Is Best For You
Currency Trading – What Is Very Important To Grasp Before Getting Engaged In The Foreign Exchange
How To Become A Currency Trader And How To Remain Profitable Long Term In This Business
Practicing In The Foreign Exchange – Usefulness Of Starting With A Simulation Trading Account
Are Forex Trading Classes Your Road To Financial Independence?

December 2010 Gatherings by Camelia

“Came” means Business Networking (referral business/business gathering)

welcome to Camelia gatherings

Came 291
20 December 2010 (monday)
Time: 8pm to 10pm
Venue: Old Town White Coffee, Wisma UOA II,(Bangsar LRT Putraline),Kuala Lumpur,Malaysia.

Came 292
23 December 2010 (thursday)
Time: 8pm to 10pm
Venue: Old Town White Coffee,USJ Summit Mall,Petaling Jaya, Selangor,Malaysia.

Came 293
26 December 2010 (sunday)
Time: 2pm to 4pm
Venue: Old Town White Coffee,Sungai Wang Plaza (entrance),Jalan Bukit Bintang,Kuala Lumpur,Malaysia.

Came 294
27 December 2010 (monday)
Time: 6pm to 8pm
Venue: Station One Cafe, Sunway Mentari, PJS, Petaling Jaya, Selangor,Malaysia.

Came 295
27 December 2010 (monday)
Time: 8pm to 10pm
Venue: Station One Cafe, Sunway Mentari, PJS, Petaling Jaya, Selangor,Malaysia.

Came 296
29 December 2010(wednesday)
Time: 2pm to 4pm
Venue: Old Town White Coffee,Kelana Mall,LDP,Petaling Jaya, Selangor,Malaysia.(next to Giant Kelana Jaya)

Came 297
29 December 2010 (wednesday)
Time: 8pm to 10pm
Venue : Burger King,Masjid Jamek,Kuala Lumpur,Malaysia. (next to STAR LRT / PUTRALINE LRT)

Pls Call /SMS to confirm the date/place/time.

Please give me time to reserve a seat for you.

Do not be LAST MINUTE.I will not entertain you.

You may bring your friends or bosses or spouse.


Mobile : 6-016-9795515
Love Camelia
Malaysian Chinese lady

*Venue and time subject to change
Welcome to Camelia’s gatherings..

network yr way Rich..and make new friends…and also got CHANCE 2 meet me lor!!

PLEASE COME AND MEET me in person.

NO CHILDREN ALLOWED. OPEN to above 19years old.


“WORD OF MOUTH” advertising..ha haha …is more powerful than reading blogs and websites…

Drinks n Food – DUTCH/pay your drinks and own meals.

During social or business networking gatherings…WE are united, harmony and peace…make new friends. Build networking with my friends. Promote your company. Sell your products here. Share informations here….also you build your OWN community/networking.

Camelia says “I believe more friends talk MORE, MORE, MORE…about products/services/ others… create MORE VALUE and WEALTH, …that way, you can make MORE $$$.”

DURING gatherings…

We talk investment overseas…
We talk mother’s experiences
We talk opportunities business online
We talk sponsorships
We talk licensing
We talk about government projects….which…
We talk about jobs vacancy and recuritment
We talk MLM businesses
We talk creative ideas….
We talk about jobs…

We talk about politics
We talk about elections….and money
We talk about oversea investment

We talk about dirty jokes ha haha We talk about grandma’s stories
We talk …what politics???
We talk about food and yummy delicious dishes
We talk about UFOs encounters, mysteries, what NONESENSE stories
We talk about GOD, religions, customs and …cultures.

Camelia will not be held any responsibilities of any business/contracts (misdeed/misconduct/Scams/cheats/illegal/others wrong transactions) between friends and others during or after of my gatherings.