Increment

It's official. No salary annual increment for this year. Besides, the company decided to reduced their employees transportation allowance. There is nothing to be said here..... no complaints, no grumbles... everybody seems to be quiet. Well, we understand the current situation.

80/20 = Dangerous!

-----THE END-----

Proceed on: "Increment"

The Multiple

The Dinner
I was invited by Bran to his new house to join them BBQing last Sunday. Well, I was thinking, why not? Since I was all alone without anything to do beside my stupid compressor presentation. So, like I always did, after attended the sunset mass, I went to his new house. Quite difficult to find if you do not use GPS… hehe

I joined him BBQing, and straightaway help myself to enjoy his cooking. After that, I had a couple of beer before, and also some wine afterwards. We were playing some silly games, but very entertaining and interesting in my point of view.

I wasn’t that drunk during my way back home. But after arrived, I felt really terrible…. It was like I had consumed 10 cans of beers. The dizziness was killing me. I didn’t have any option than throwing out whatever I ate before, and went to sleep. I was told by Mr Bran, it was due to the mixing between beer and wine. Is that true? I don’t know…..

The Dream
That night, I was dreaming. A kind of bug bites me and went through my skin (arm). It moves around and tried get up to my neck. I can see it moves beneath my skin, and it really hurts. I tried to block its way to my neck, but it moves very fast and went to other way around when blocked.

I was a bit panicked, I finally decided to kill it by pressing it hardly, and I don’t know how possibly it was for me as I tear out my own skin to have it removed. And after removing that bug, I was surprised, that actually it was not a bug. It was a kind of black scorpion (not exactly the same, but I do not know what on earth that species is called)

The Shopping
After that, within the same day I went for a shopping. A light shopping I guess as I only want to buy one pack of water, vitamin C and a facial cleaner. I bought my Vit C and that facial cleaner which amounting to RM 86.++, then I went to Carrefour to get a drinking water. After finished, I pushed my trolley to the parking area, and loaded everything, and drove my way back home.

After that, I continued my presentation. Then I came to realize that while carrying my plastic bag, it was very light. I asked myself why?. It was a flash back. I rushed to check it only to know that my Vit. C and face cleaner was not inside. I was terrified. I left it inside my trolley…. It was like I just throw my money for nothing during this difficult time?

I was hesitate to go back, as I am quite sure it already gone. Anyway, I am not satisfied and thinking of any luck I might have. This is the most stupid trait I have and I cannot control it until now. I went back, knowing the chance of finding it back was very less. And I am not amazed at all. It had gone. Blessed be those who took it. I felt disappointed. And to counter back this disappointment, I bought another one which cost me exactly the same money. Fair enough. Lesson to learn…. Don’t trust luck!!!
Proceed on: "The Multiple"

Cholesterol

Today I received my blood test result. My concerned is about my cholesterol level. Anyhow, the latest result shows an improvement. My cholesterol level already reduced to almost a normal range. Just slightly higher.


Normal Total Cholesterol <5.2>

August Result = 6.3 mmol/L
Jan 09 Result = 5.3 mmol/L


Normal LDL Cholesterol <2.6>

August Result = 4.2 mmol/L
Jan 09 Result = 3.5 mmol/L

Normal Triglycerides <1.7>

Jan 09 Result = 1.3 mmol/L

How it can reduced?
1. Reduce meat intake, especially pork.
2. Increase vege n fruits consumption
3. Force to Eat more fish – sweet n sour (I don’t really like to eat fish)

I believe as I add up regular exercise in my health plan, my LDL will reduce further…. Will follow up after 3 months later…. Year 2009 is the time to live a healthy life… I am 27 man… 27 yrs old…. Ahh… muda lagi bah….

----- END -----

Proceed on: "Cholesterol"

Continuous Alien

After attended The Air Compressor training last 2 days, this morning I was asked by my MD to prepare a presentation to teach about what I had learned there. In other words, I was required to transfer my knowledge to my colleagues and to him through formal presentation.

Rayner (reporting):
Last 2 days I attended training about Air Compressor. The topic covers about how to calculate required pressure, power, capacity and about designing and maintaining the air compressor. Apart from that, I also learned about the mechanism and structure of air compressor, various types available in the market and also in economic point of view when to go about buying one.

MD:
Did you learn something?

Rayner:
Of course .

MD:
Can you do maintenance?

Rayner:
The topic only covers about theoretical aspect of it. I did understand which parts need to be maintained, but if you ask me to do maintenance or servicing…. I cannot do.

MD:
That’s why I will transfer you to maintenance department.

Rayner:
No problem.

MD:
No problem?

Rayner:
Yes, No problem.

MD:
It‘s ok. Now you have to prepare a presentation and teach all of us here (6 members) including me.

Rayner:
When?

MD:
Tomorrow.

Rayner:
Tomorrow? But today and tomorrow I have another training.

MD:
So, the whole week, you only attend training?

Rayner:
The Admin forced me to go.

MD:
Ok. Then make it on the 29 Jan.

Rayner:……..

I was thinking, how should I teach a topic which seems to be very strange for me? I never deal with compressor before. Anyhow, I think I will learn about it during CNY holiday. I need to refresh whatever I was thought during the training. I believe I can do it. Just wait and see how I teach you something that I never done before. Hopefully I will not make you lost…. hahaha

Proceed on: "Continuous Alien"

The Bunch

Today I attended a training regarding The Theory, Design, Operation and Maintenance of Air Compressor. I do not know what this training have to do with me since I do not deal with compressor in my daily job. But, I think it is an opportunity to learn and I am glad I was chosen to attend this training.

So, the first thing is, the training was damned boring. The trainer read most of his lecture from the book and gave only little explanation. I am sorry to say this even though I think the trainer was kind enough. But, I have to say the truth. He was kind, but the lecture was very boring.

Second thing is, while smoking at the open area, one bird dumped its shits on me around 1:55pm…. It fell straight on my forehead!!! I thought it was a drop of water from the a/c unit!! I just wiped it with my hand and straightaway went to the training room and wait until the training finished at 4:40pm before washing it.

Thirdly, I asked the trainer about the current economic situation. He said, he cannot say anything right now as he needs to see the coming economic indicators by March. My colleague said economic condition will be very bad after Chinese New Year. I asked why? He said because customer will not be spending after that. And the economy will deteriorate further. I didn’t say a word.

I heard people claiming before, that the stock market will crash badly after CNY. The same claim I heard last year. I don’t know base on what source the claims were made. But, if we refer back the stock market history during last year CNY, we can conclude that their claims were baseless.



Looking at the graph above, closing price for 1st Feb 2008 (Before CNY) was 1393.25 and closing price for 11th March 2008 (After CNY) was 1404.86. Where was the crash?

Of course it plunged afterwards especially in the month of March, but it was not due to “AFTER CNY” sentiment. It was closely linked to the politic instability due to the 12th General Election. And we can see from the graph when BN had lost 5 states and failed to maintained 2/3 majority, the market reacted aggressively with heavy selling on the 10th March 2008. Afterwards, the downtrend was due to external factor also.

Well, I might be wrong. Nobody can exactly predict the direction of the market price. So we will need to see whether the so-called crash will happen after this coming CNY.

As for me, I believe the 4Q 2008 result which will be out next month will not be pleasing as well as 1Q2009. But, I BELIEVE, recovery will start taking place in the 2nd Half of 2009. True or not, only time will tell.

Proceed on: "The Bunch"

Opinion

1. Every action should have strong reason behind it. There must be a wise consideration before the action being carried out. You don’t simply say something brainless like having the MAF to attack US and Israel knowing it is impossible to be realized.

2. Unless there is a clear benefit of that action, nobody will give their support. The idea will be left all alone. What do you think we should do? Who are “we”? Are we the only sole source of food and medicine?

3. Killing of the innocents are wrong. Whatever the reason is, there is no way we can justify the killing of the innocents. Stick to it. I think it’s not really right to link the killing of babies and innocents by drinking coca-cola, flying boeing jets or watch American movies. Business is business. That’s the typical way of every business to grows, by selling product and services. Can we specifically say that the American businesses are dedicated to channel money for Israel to attack other countries?

4. What is the purpose of boycotting American products? To make the US economy weak? How about boycotting American company? Resign and look for another job in the local or government sector.

5. The killing of people happens almost everywhere in any parts of the world. We must condemn this violent action without any exception of anything.

6. Stop drinking coca-cola and there will be some impact? What kind of impact? To help US economy to deteriorate? I don’t think they need help. Now their economy is getting worse, and it seems that we are not affected by the downturn. We are not suffered at all.

7. We pray for an immediate ceasefire between Hamas and Israel, and so that there will be long lasting peace in Gaza. Say NO to terrorism and violence.

8. This is just my opinion. No offence.

----- END -----

Proceed on: "Opinion"

Vein of Life

Concerned regarding my current cholesterol level, I did my second blood check-up today, 5 months since my last check. My last LDL is double than the normal range. Since then, I tried on reducing my meat intake and add up some fish in my daily diet. Apart from that, I reduce the number of smoking per day from about 5 times averagely to only once a day. Sometime I failed anyhow.

But I don’t really know how much of this change of eating and smoking habit will improve or reduce the LDL level. Recently, I started to spend some time to exercise, to improve my fitness and health. This will continue everyday as long as I feel necessary.

Thus, I really want a clarification about my current health status…. So that I know which part should be paid more attention. So today, together with my colleague, I decided to take a blood test.

5 years ago, when I had a dengue fever and was admitted in the hospital, I was required to give blood sample for platelet count purpose. So the nurse in duty will take my blood sample twice a day. What I noticed was, most of the time the nurse cannot get my blood at one shot. They only managed to get it after 2 or 3 times trying.

At the first time I donated my blood, the same thing happened. They have a problem not in finding my vein, but to get the blood out of my vein. And there was a time, they only get half of it before its stop flowing.

I am aware of this ‘problem’ since the very first time I deal with it. And today I decided to take a video of the whole process. Enjoy the movie…..

PART 1

PART 2


----- END -----

Proceed on: "Vein of Life"

La Isla Bonita

Proceed on: "La Isla Bonita"

Tagged me: Handwriting

I have been tagged by Sheila. I have tagged another 5 Persons.


Here is the rules:

1. Your name / identification name / username etc.
2. Write anything using either your left / right hands.
3. Most favorite alphabets.
4. Less favorite alphabets.
5. "The quick brown fox jump over the lazy dog".
6. Tag more 6 persons / bloggers.

And this is my art of writing:

----- THE END -----

Proceed on: "Tagged me: Handwriting"

Back To KL

I had just arrived at my second home in PJ. I checked on my car, which I had left for about 2 weeks. A bit dusty, but it seems fine. Got a big task for him tomorrow. After that, I arranged my stuff, and straight away go online. Here I am now, in front of my laptop, writing this post.

I look outside my window….. This is what I see (U see what I see).



I am a bit relieved since tomorrow is not a working day. I think I need to adapt before really going to work. I could not explain my feeling right now. It’s better to be at home. I turn on a music which reminds me my recent trip to Ranau.

What I gonna do now? Oh, I almost forgot that I haven’t completed my report yet. Fuck that report. I think I need to call my friend later. He is back from KK by today too. Probably we can exchange story. I think I still in a mood of celebration.

------ END ------

Proceed on: "Back To KL"

The Words

I just stay at home today. Need to complete the company report plus need to spend extra time with family before takeoff to KL tomorrow. After that I will take 1 day rest before working as I only start working on the 6 Jan 2009. It’s killing me when I start to think about working.

It is raining here as I writing my post. I put all my clothes in the washing machine, and check my flight info so that “banana won’t fruit twice”. That was a terrible experience.

Year 2009 will be an interesting year for me despite the tough economy condition. I see a lot of opportunity to advance. But at the same time, I got some strong issue which will drag or affect my plan behind. Only time will show which one prevails.

----- THE END -----

Proceed on: "The Words"

A Lone Ranger Trip

First of All, I would like to take this chance to say Happy New Year to everybody. Guess all of you have great holidays and are well prepared to come back to work next week. I am not looking forward to go to work anyway.

I guess the first day of New Year was not a good start for me to have this kind of ‘feel good’ feeling. Though most of the previous days I really enjoy many things, but when life full of thrill suddenly change to nothing to do, it feels like the world has stop turning.

So due to great boredom (yesterday), I decided to go to Ranau. That was a sudden decision anyway, as earlier I only planned to drive around and enjoy the beautiful and peaceful scenery along the road. Anyway, after a series of SMSes with my friend, Carl, I decided to go to his place in Ranau. He promised to bring me around (Earlier he said mandi air panas Poring). Whatever it is, as long as I can kill this boredom, it doesn’t matter.

So, I left around 5:00 pm, in a broad day light. You can see the mountain Kinabalu at the back. I light up my cigarette and enjoyed the smoke.

Start going uphill.

Sunset1 gradually take place

Hutan Rimba yg Anggun




An old lady carrying a 'wakid' at her back. Almost hit her as my eyes stick on my camera screen.




At this level, the air is cool.



Beautiful Sunset2.

In a sudden, everything started to change. Everywhere getting dark & darker. It was just 5:30 pm i think. A deep fog is coming.

It's not a big deal. I still can see.

But, suddenly it seems that the fog is getting thicker ahead.

I kept going. Temperature getting lower. I was shivering eventhough i didn't put the A/C on.

I told myself..... "It's getting worse"

I put my lights on..... I can hardly see the car infront of me.

And this is the worst. But, I continued driving.

That's it.....

Ni gambar sampingan.

Arrived at Ranau town around 6:30pm. My friend came to fetch me shortly, and he drove off to his house while deciding what to do next. I suggested going to Poring Hot Spring directly and have something to eat there and drink whiskey in the hot water. He said the food there is not that nice and less variety. He suggested going Kundasang since the foods are better and as he tried to group some friends to visit the nearby club. We were suggesting an opposite direction to go!!

As we stopped at the intersection to make a final decision, finally I agree with his plan. But in the end, we only had dinner as I didn’t bring extra clothing for clubbing. After all, makan is the most imortant thing and to be prioritize. Nothing can justify the need of eating.

After dinner, a thing which was never in our planning came. And that how we spend the rest of the night. I never played before, but i got 'on the job training' from the PRO, and straight away gambling. I ended up losing RM3. Consider good for beginner.

Video for fun: To Ranau

Video for Fun: From Ranau

Proceed on: "A Lone Ranger Trip"

The Weird

I got my 2008 bonus on the 26th day of December and my salary on the 29th Dec 2008. Why I am telling this? Because I got it AFTER Christmas, which means I had to withdraw extra money from my little saving, and had to spend money with uncertainty on whether I will get my expected amount of bonus or not. Of course you will spend money in anticipation of how much money will flow into your account, right?

Well, in my previous 2 years experience, the year end bonus shall be given between the 20th day to 22nd day of Dec. But I don’t really understand why this year’s was very different. I try to figure out the logic answer….. but without avail. So, I just let it go. It’s not a big question to think about by the way.

And at the time of writing, it’s already 31st Dec 2008, which is the last day of 2008. I have some plan for New Year. I am not sure whether I can make it or not. It’s just a plan anyway. When you have a plan, sometimes it depends on people to make it happen.

And as for today, I am no longer serving a bond with my company, as it last until 30th Dec 2008. Did I want to change job? Yes, I always want to change job, since the 2nd year working in my company. But, due to overreaction regarding the economy (apart from the serving bond), I should be more careful in planning my next move. I change my strategy to wait and see. Sigh, I hate thinking of going back to work.

And today, I received an email from The Company, which required me to undergo a training regarding something out of my job scope. I am not objecting this kind of training. But I hate it when I am required to teach people about what the training is all about, and probably will be asked to do one project, while my job description probably still remain the same. If you never practice the knowledge beforehand, how you gonna teach somebody about it? How you gonna make people understand and practice something that you yourself only have 2 days of theoretical knowledge?

But, I don’t know yet. We’ll see.

Proceed on: "The Weird"

Double Celebration

On the 27th Dec 2008 marked a very special day for my twin brother and his fiancée as it was the day they were announced as a husband and wife. Congratulations to both of them. Claps, claps….. May God bless their marriage and have a bountiful grace in life ahead.

Reception was held at Beverly Hills Hotel, with the presence of family and relatives of the bride and groom. Besides that, most of my old and close friends also attended, and made the celebration more meaningful and full of joy. I enjoyed the nice food and lovely atmosphere. Everybody seems to be happy, broad smiles in everybody’s face, a perfect description of happiness.

I even tried to show up my dancing skills…. The very first time dancing the poco-poco on the dance floor. But, since everybody knew it very well, and done it like a pro, I only make myself look like a fool. I gave up in less than 5 minutes.

After the wedding party ended, my friends and I continued our drinking and partying session. We started around 11:00p.m and ended around 5:30a.m. We were tired and drunk!!.... Next morning was a different story. And as usual, the life in Sabah, during festive season, is always interesting and full of fun.

Proceed on: "Double Celebration"

Going Into The Reality.....

My flight supposed to be at 7:35am. Well after packed all my stuff, I went to sleep at 2:00am. Suddenly my phone rang; it was my twin who called. He said “Where are you?” I look at the clock, and God! It’s already 6:00a.m. I don’t want to scare him. I just said, I am going to leave soon. He said “What??” I said, it’s still early. I am going to make it.

I rushed to the bathroom, took my shower, check my list and pack everything left. I left my house exactly at 6:30am and asked my friend to drive me to the airport. Forced him to speed until 160km/hr as I assured him I will pay if happen to be any summon. I tell the truth to my twins, and told him that I am going to catch another flight if I missed the schedule one. Don’t tell mom.

I arrived at 7:03am at LCCT, rush to the check in counter, and luckily I AM VERY LUCKY. I managed to check in as the counter has not closed yet. Fuhh….

I arrived at Labuan Airport on the 20th Dec 2008 around 10:07 am. It’s a new airport anyway, and the weather was great. I checked on my new hair cut, to ensure it still intact. I cut my hair short, really short until u can see my balding shape.

I went shopping with my mom and aunties. My mom bought 5 litres of wine. My sister bought a lot of chocolates and a whiskey. My aunt bought a Chivas, Wine and chocolates. I bought nothing. Beers? Just don’t feel like buying anything.

My very first visit to Labuan. The purpose was to attend my brother’s wedding party, as they called it “Shower Party”. Everything was great, the food, people, environment, meeting family and friends. I notice the night life was happening too. About 400 peoples attended the party. The presentation and slides show was very entertaining. The couple also seems very happy.

I saw my mom looking at me with a kind of look. I know that look. But I don’t have the answer.

It was a nice day even though a tiring one, and probably will post some picture here later.
Proceed on: "Going Into The Reality....."

Alexandra Burke - Hallelujah

----- END -----

Proceed on: "Alexandra Burke - Hallelujah"

The Inconsistency

It seems that every shopping complex already fall into a Christmas mood now. Sales with discount around 50%-70% are attracting tremendous number of people. I went to Midvalley & The Garden last week. Previously I said I had done with my Christmas shopping, but since the situation were very different at the moment, I ended up buying another 2 pieces of clothes because I got discount of 30%. I don’t know whether they made this number up or what, but I really think I like the clothes, as it looks nice.

I am planning to buy a new jeans and a slack next week as I need to balance out the number of shirts I currently have. I don’t know whether I have enough money for this, but as to make my desire justifiable, I am comforting myself that I only do this once a year. So, who cares….. in fact I am helping to stimulate the economy so that next year we won’t have recession and I can …….(fill in the blank).

----- END -----

Proceed on: "The Inconsistency"

The Calendar

Today I received my company year 2009 calendar. There are some changes being made compare to the previous year’s calendar. The good thing is for the 1st half of the year, all Saturdays (26days) declared as an off day, compare to previous one where it depend on holiday’s pattern, the more public holidays in a month means less off day for Saturday. It is a good change anyway, since I feel that working in Saturday is a waste of time, energy and money.

By the way, for the 2nd half of the year, there are 14 out of 26 Saturdays being made as a working day. And it is not just like that, the working hours have been extended from 8.00a.m to 5.00p.m. Currently it is from 8.00a.m to 12.05p.m.

Overall, we have 40/52 days of Saturday declared as an off day. It seems very good even though I am a bit disturbed with the decision to extend the working hours. Well, initially I think that the decision is not in favour of the employee, but I change my mind. I think it’s better now.

The changes are made in consideration of the current economic condition. Probably to cut down operating cost. Every here and there people are talking about bad economy condition. The emotions are very tense when they only can see the dark side of the future. Do you think the economy is that bad? Probably yes. The GDP has reduced from 6.7% in 2Q to 4.7% in 3Q. Some experts even predicting that the 4Q GDP will be around 3.5% or lower.

But I don’t think it will be that severe as what many people talk about it. It won’t go further into a situation of panic or cause havoc unless the US economy continues to go into deep recession. From what I read at the current economic assessment, many economists are confident that Malaysia will not fall into recession. Well, 1st Half 09 probably will be bad, but recovery will start to take place gradually in the 2nd Half 09.

Manufacturing sector especially the electronic industry will be the most vulnerable and service sector is the most resilient. Company needs to maintain a healthy cash flow during this tough time, and avoid associating in heavy debt. How about making additional investment expansion at this moment? Is it a good move? Well, It depends.

But put it this way, if you expect demand will increase in future, then you do the right thing. But if everybody think that the economy is getting worse, situation is getting harder and harder, sales expected to reduce, what is the purpose of expansion?

There is no right or wrong answer here. IT DEPENDS!!. What can you conclude if your company is going into that direction? Only two reason. One, they do not know what they are doing. Two, they are ‘confident’ that the bad situation is not going to prolonged, and through their wise judgement, expansion is required. I believe, the latter is more reasonable.

As an employee, we listen and be cautious of our surrounding, but at the same time, we must have our judgement, and do not simply believe what people telling us.

To be continued…..


P/S:
Today I received a letter from a bank saying that my loan interest rate has been revised accordingly to the recent reduction of the OPR from 3.5% to 3.25%.

Economists believe that the OPR will go down further gradually until 2.75% by next year. Probably, this is the time for us to borrow more money, and put into investments which promise good return. Or is somebody going to start a business? If yes, go borrow money while the interest rate still low. Hehe…..

Proceed on: "The Calendar"

I Concur

I sensed something, and through my sixth sense, it confirmed to be true. People change anyway, that’s why we need to be wise. Social life, improved. Get to know more people. Why? Have a better social life, replenishment and being secure. New opportunity came in today. Will explain more when the time is right.

The last 2 weeks, was an intense time for me. Calculating the risk and think on how to go about doing it. Sigh….. It’s difficult, but not impossible to do. Middle of December will shed some light, which will show some direction whether The 14 Jan Plan will happen or not. I just have to wait n see.

Hello everybody. I had abandoned my blog for such a long time. Not because I had nothing to say but, not in the mood of writing I guess. Yesterday my boss told us that retrenchment would not be a case in our company. Thanks to that. And he mentioned about this year bonus too.

From what I can understand, this year bonus will be slightly higher compare to last year as he was saying that it is the company policy to give in that manner. I am quite happy to hear that, but who knows? I don’t want to put too much hope, but hopefully it will become true.

And when it’s about 2 more weeks before I go back home, I start to feel that I am going to fall sick again. The very same sickness that I will have each time I go back to my hometown. This is very predictable and I don’t know how to explain this phenomenon. I hate being sick when it suppose the time to enjoy. I really hope this time, it will not make a ‘scene’. Some more, I have an important role to play this month. Please pray for me, as I started to take vit. C last Monday.

Proceed on: "I Concur"

My Dream

If you have a chance to open a business on your own, what kind of business do you have in mind? As for me, I would like to start a small business first. The one does not need big capital and less people to run. There are a lot out there. But all this while, I had been thinking about setting up a laundry service shop. It’s just a dream anyway. I don’t even know whether I will ever have the opportunity to realize it, but hopefully soon, when the time is right maybe.

Well, I have been looking for information about this idea from the internet and asking questions from friend who have done it before. Actually, most and foremost, I have to think about where can I get a capital to get it start. And actually there are some organizations out there that are willing to help people who wish to start their own business by providing financial assistance.

But again, I need to prepare a business plan/model proposal, which should well explain the criteria below:

The Executive Summary should talk about the business opportunity, technology, product, market and management; the proposed financing amount and use of the funds; and contain a five-year income statement and capital requirement summary.

The Business Opportunity section should describe the product and technology, and talk about why a customer wants it and how well will it performs.
The section on Business Strategy and Key Milestones should list down business strategies including financial strategy, technology strategy, and product development.

The Marketing Plan should address customer needs, market segmentation, distribution channels, sales strategy and plans, competition and positioning.
The Operations Plan should include engineering and manufacturing plans, facilities and administration plans.

The section on Management and Key members of the Personnel, should give detailed resumes of key personnel, organisation charts, the staffing plan and headcount projections, and information on incentive & compensation programmes, if any.

The Financial Projections should include five-year pro forma forecasts - including profit and loss, balance sheet and cash flow statements; together with financial assumptions.

Your proposal will be evaluated then, and if everything seems good, then the first ladder is completed. There are many more ladders to go anyway.

This is just a guideline. There are many ways to go about doing it. So those of you who interested, please prepare your proposal and get your Trading Licence ready.

Proceed on: "My Dream"