Sunday, December 20, 2009

For any individual tax resident who earn less than RM35,000 can get tax rebate from Inland Revenue Board for RM400 and allowed for joint assessment also. For example,

Tax Computation for YA 20XX

Chargeable Income: Less than RM35,000

Tax payable (at scaled rate) xx
Less: Rebate: Self (Husband) RM400
Wife (joint assessment) RM400
Net tax payable

Sunday, December 13, 2009

Basic Taxation

Tax Computation

Net Profit
Add: Non-deductible expenses
Less: Double deduction expenses
Adjusted Income
Add: Balancing Charges
Less: Capital Allowances
Statutory Income
Less: Prior year losses
Add: Other sources of income
Aggregate Income
Less: Current year losses
Less: Approved donation
Total Income
Less: Reliefs (applicable only to individual tax payer)
Chargeable Income

Note: Any approved donation is restricted to 7% and 10% of aggregate income of an individual tax payer and company tax. YA2009 (amended) Income Tax Act 1967.

Thursday, December 10, 2009

7 step to a successful prayer

1) Desire it --- Desire that God will give you what you ask.

2) Decide upon it ---When you pray, believe that your prayer is answered.

3) Ask for it ---The more you pray, the stronger is your faith. ---If you ask and keep on asking, you will receive it. ---If you seek and keep on seeking, you will find it.

4) Receive it ---Receive it by faith that God has given you.

5) Speak it. ---In faith, tell others: I may be sick but in God i am healed. I may be poor but in God i am rich

6) See it. ---Vision is a very powerful thing. ---see that your prayer is answered.

7) Act on it ---we may have failures but God can turn a setback into a comeback. ---If God can raise Jesus from the dead, he can raise your life from the dead

Are u a cell leader in a church? Are u someone who has a certain leadership authority in ur church? Then, u got to receive the fire and passion to do His work. Are u dry in ur walk in Christ? Are u tired of living the christian life? Christianity is not a religion. Its all abt relationship with God, people.

Here are 7 guided keys to receive a revival:

Your life will never be the same again..

1) Draw near to God.
-When your hearts are open, God will come.
-Put away all other things and seek God only.

2) Repair your devotion to God
- Are you backsliding?
- Have you stopped your bible reading, prayer or stop attending cell grp?
- Go back to God

3) Get your life in order
- Keep ur life in orger with God.
- Live ur life by God's word.
- Get ur life in order with one another.

4) Give an offering
- When you bring an offering, don't bring spare change.
- Don't bring any offering tat u dun wan.

5) You got to make a sacrifice
- Give ur life to God and let God shape u into the person He wans u to be.

6) Release faith again and again
- Faith is ask and keep on asking
- Seek and keep on seeking.
- Knock and keep on knocking.

7)Pray for a miracle
- U got to have a backup.

~Steps to Effective Prayer :there are 7 steps which is....
6-Word of God


1) Don't make promises you don't intend to keep or that would be sinful to keep
2) If you make a conditional promise, it is not binding unless the conditions are kept.
3) If you make a conditional promise, it is binding to keep the promise available until the stated term of the promise is kept, and if this is open ended, so be it.
4) If you make a promise by mistake, if your word is good, you will still do your best to keep it.
5) If you are able to keep the commitment, you should not lie and pretend you are unable. You are merely unwilling to honor your word.
6) If you are truly unable to keep your promise, do your best to make restitution.
7) Don't fake restitution or humility to get out of your word.
8) Live to tell God and everyone you wish to set an example for the value of your word, and the value of one's promise. Don't let it be said you are short on integrity in this.
9) If keeping a promise is costly, it means your word is more valuable.
10) One cannot promise to love God sincerely while breaking one's promise to love another person faithfully and enduringly. Nor make valid promises of love to one's children or other loved ones.

Your word is only as good as your promises and your promises are only as good as your word.

One cannot minister if his or her word has no value.

I Corinthians 13:7, "bears all things, believes all things, hopes all things, endures all things."

Luke 16:10, "He who is faithful in what is least is faithful also in much;..."

Saved To Serve=SUCCESS

7 Effective way of serving in ministries.
1. Sense of direction (Romans 15:20, Philipians 3:14)
2. Understanding / wisdom (Philipians 4:12) -learn to be content -working towards the goal
3. Commitment (Acts 20:24)
4. Compassion (1 Corinthians 13:3, Colosian 3:12-13)
5. Enthusiastic -eager to serve. (Philipians 4:13) -positive faith n zealous
6. Service -within God n people *focusing in to 2 way God n people. (2 Corinthians 12:5)
7. Staying power -(2 Corinthians 11:23,4:8-9)

Thursday, November 26, 2009

non of the accounts students remembered the consolidation accounts.

Wednesday, November 18, 2009

Exam is around the corner..urgh..started revision bit by bit. I still got taxation assignment to submit this coming Friday..3 more questions left.. Anyway my exam timetable:

3/12/2009, Thursday (9am-12pm) - Financial Accounting 5
4/12/2009, Friday (2.30pm-5.30pm) - Business Communication
8/12/2009, Tuesday (9am-12pm) - Taxation

Any entertainment please have it after 8th Dec, brain been squeezed like don't know like what lately. Pray for me. - concentration and ability to understand the topics.

Thursday, October 29, 2009

There will be changes for my coming degree program. Why? Because the degree major in accounting and finance at University of Teesside offered does not fulfill ACCA requirements in terms of exemption given upon degree graduates. The total fee RM26,000++ without exemptions from ACCA is not worth at all. Now I am thinking which university college to enroll to get my further exemptions for ACCA and with well recognized degree. So..where?..where?.. I am for sure to persuade my degree after my diploma graduation instead of gain working experience. Hmm.. Will start hunting for it after my final examination finish. There is also another alternative which is to wait for the next intake that would be on Sept 2010. Why? Because the degree program is restructuring their units/modules to fulfill or to fit the ACCA requirement to get maximum exemptions which will be 5 papers including 4 more papers from diploma. So at the mean time, I have to find a job for 8months. Maybe in SEGi college provided if there give me higher pay. Hahaha. Will this happen to me with higher pay compare to previous pay from them? It seems unlikely due to the college wants to spend and maximize the utility of marketing people to get more students in. Sucks. Think about other staffs to create good welfare before you start to think bringing more students in!

p/s: I kind of don't like marketing people.

Friday, October 23, 2009

PTPTN convert into scholarship provided if graduate as first class honour or equivalent. Announced in budget 2010. Hmm..can I achieve that high cgpa in my degree?hmm

KrispyKreme Doughnuts nice!

Wednesday, October 14, 2009

I was late for 10mins to class. Guess what happened? I was marked as late comer and this indicated that my 5% of coursework marks - attendance been deducted. I don't know how much this lecturer would deduct. Why late? Was searching for parking lot and there is none left for me to park my car. Goodness.. So wasted 5mins and went to park in Summit. By that time 10mins already gone. So I was late. No excuse bla bla bla. Well first time ever kena this wei.. Anyway I found something interesting today in class where a handout given to me which is a sample of letter where 'I have fallen in love with you' written in it.It also written there sample of a modern love letter. This is how it goes ----------->

Dearest Samantha,


I am very happy to inform you that I have fallen in love with you since Tuesday, the 17th August 2009. ( day before my birthday)

With reference to the meeting held between us on the 17th August 2009 at 1500 hours, I would like to present myself as a prospective lover. Our love affair would be on probation for a period of no less than three months and depending on compatibility, would be made permanent.

Of course, upon completion of probation, there will be continuous relationship training and relationship appraisal schemes leading up to promotion from lover to spouse. The expenses incurred for coffee and entertainment would initially be shared equally between us. Later, based on your performance, I might take up a larger share of the expenses. However I am broad-minded enough, to be taken care of, on you expense account.

I request you to kindly respond within 30 days of receiving this letter, failing which, this offer would be cancelled without further notice and I shall be considering someone else. I would happy, if you could forward this letter to your sister, if you do not wish to take up this offer.

Thanking you in anticipation.

Yours sincerely,


End of letter

Saturday, October 10, 2009

Had Bah Kut Teh for lunch with Ms. Helena, my faculty's dean and Chris at Klang opposite Klang Parade. What a good combination of wet and dry pork meat man. Still remember that shop that I used to makan at with my late father. We had Bah Kut Teh all the time whenever that we shopped at Klang Parade without fail. Mana tau the Bah Kut Teh shop is still Indeed, we had good lunch there.good lunch wei.

Thursday, October 08, 2009


Financial Accounting 4 B-
Business Finance B
Introduction to Taxation A
Corporate Audit A
Company Law B

GPA: 3.34
CGPA: 3.59
Remarks: CGPA dropped 0.07
This semester's timetable:

Monday 8.30am-11.30am: Taxation
Tuesday 8.30am-11.30am: Financial Accounting 5
Wednesday 12.00pm-3.00pm: Business Communication
Thursday 8.30am-11.30am: Financial Accounting 5
Friday 2.30pm-5.30pm: Taxation

There are both tough units/subjects which are Taxation and Financial Accounting 5. It is the so called toughest units in this level. 2 more months to go - graduate. aLL dA Best to me
Aiye. Exam result out later at 3pm...

Monday, September 28, 2009

It is not the end! Don't give up! He has brought a wonderful encouragement message to everyone.

Sunday, September 27, 2009

arghh!class starts tomorrow!

Friday, September 25, 2009

few more days left to start my class!

Friday, September 11, 2009

siok sendiri go and take own
exam in 3 more days still lepak outside.tsk tsk tsk..
what to do..relax my mind kan cheong no good and will cause sick relax la.

Basically I didn't do really well for this semester's exam. slug here slug there. TOO RELAX!. Next semester must back to the normal me. 1 more semester to graduate and I don't want to resit any paper or delay my enrollment to degree. MUST finish by all da best to me la.. cheers~

Done! No more papers!wohoooo..
Finished all 5!
Holiday for 2 weeks!
Next semester coming up, 3 more units/subjects only!

Monday, September 07, 2009

one more paper left!~

Monday, August 24, 2009

so hard to complete all colours. only one..better than nothing

Saturday, August 22, 2009

The time is always right to do
What is right
Martin Luther King, Jr

Thursday, August 20, 2009

is study week!
means exam coming in 2 weeks time.
weird thing here is I still got one more assignment to do. arghh..
study study study!

Monday, August 17, 2009

everything has turned to ashes, so let the wind blow it away...

Monday, August 10, 2009

Attended a Taekwondo Kyorugi Referee Course.. Of all days, all the MSSS or other competitions, referees were imported from Angkatan Tentera Malaysia. In short, the associations or the organizers been outsourcing referees all these while. Now this course is to recruit more in house referee..

Friday, August 07, 2009

I have 29 assignment questions in total for Corporate Audit yet to be done and due next Thursday. What I did today? Basically I've done 5 questions of out the 29; by right I should have done more than that. Well better than none of the questions answered right. Sigh..How to get rid of this laziness of me??? However, the significant thing I did today was get to my car's right door FIXED by my own. Ya, the door spoiled and can't open for quite sometime.. Therefore, now is FIXED!!! Woohooo~

Exam is Coming!!!
Know what? I haven't study or prepared anything because I'm still dealing with my Audit assignment...This is not last minute work; in fact, it is 100% coursework subject, so I have to do lah.. As I have mentioned that I'm having 5 subjects this semester including the 100% coursework for Audit paper, means I have to sit for 4 subjects in examinations. Remember me in your prayer (if anyone is reading). Your deed much appreciated. Anyway, here goes my exam timetable:

1/9/2009 - Business Finance
3/9/2009 - Financial Accounting 4
4/9/2009 - Company Law
9/9/2009 - Introduction to Taxation

Thursday, August 06, 2009


Wednesday, August 05, 2009

working life in SEGi College under Facaulty of Business and Accounting
looks boring but I had FUN!
this was taken at Mandy's Restaurant in Summit!!!

Sunday, July 19, 2009

night in Bukit Bintang
taken before my semester starts.

Saturday, July 04, 2009

very very very tough! not only this particular subject. There are 4 more subjects. I must get through this semester..

Monday, June 15, 2009

this was found on my lecturer's desk.

annoyed by ring tones - the 'nothing gonna change my love for you' was one of the loudest ring tone by one of the lecturer. kind of annoying.

avoiding vila - vila is the head of exam unit, she's kind of annoying and busybody with things that tak berkenaan with her.

irregular break - rule imposed by management where staff are not allow to take irregular break during working hours.

waiting for lift - college lifts are always full and slow.

Tuesday, June 02, 2009

by God's grace, 4 distinction and 1 credit.
my feeling: contended and so thankful to God for giving me the good result.
my aim: study harder as my current semester is not as same as previous semester and at the mean time to serve Him and follow His will.

Current semester: Business Finance, Intro to Taxation, Financial Accounting 4, Company Law and Corporate Audit. Super tough and challenging. The comment at this moment =p

Friday, May 22, 2009

Exam result is out and yet to release

Coming Soon...

Thursday, May 07, 2009

ya ya ya. Went out to IKEA for shopping during working hour. What a bad ethic. The truth is, went out with lecturer to purchase utensils for Hotel Management student's practical training. All these utensils are belong to the college therefore I'm helping college to do something which means I'm working instead of window shopping. In fact still shopping but shop for college.hahaha..lunch time, had meat balls and nice cappuccino. What a nice day to work. wohooo

Sunday, May 03, 2009

Holiday started and will end in 2 weeks time. Guess what? I'll be working in my college in my faculty of business. 9am - 6pm..

Saturday, May 02, 2009

Fear can be a good thing when it motivates us to take safety precaution.

Worry is a cycle of inefficient thought whirling around a center of fear

Wednesday, April 29, 2009

Finally!no more to papers! I'm officially completed all my units in this semester. Easy and hard..mistakes were here and there for every paper I've sat as usual. Hope the result would not be giving me any hard time. I think I could have done better if there is a full understanding of the theories for my particular unit. Is just that I don't know how to crap by giving explaination. hahaha. anyway, back to back papers will just torture a person from not having enough sleep and cause the memory to hang. oh well.. finished means finished. no more!!!

Given 2 weeks holiday and I'll be working in my faculty for 1 week with wages of course.

Next semester would be the tough one where there will be allocation of units here and there. I have to add and drop subject where I might be going to Kota Damansara's campus to do one of my subject during my final semester that would be in one more semester. I really don't know yet. Will see how then.

Tuesday, April 21, 2009

Today's weather at least better than previous days. Studied Business Statistics in one of the classes instead of library because library full of students and warm. Therefore went to one of the classes in college and study alone without permission.oops. Anyway, study statistics alone also occupied so much of space. How stress am I wei. oops..back to revision.
Why the weather so hot these days? The sun is like coming nearer to the earth and like going to explode anytime from now. Even take bath at night, the water is warm punya. It proves that how hot it is during the day time. Please rain, heavy rain, the thunder storm type one's. Each day of humidity will cause my body temperature goes up that may affect my emotion wei. Means I also can explode anytime from than.

Final Examinations started today with finance paper. Prayed before open the question paper and then questions were easy. I written everything confidently without doubt because I was fully prepared yet spotted mistakes after my answer scripts were handed up. Hope still can get distinction. How greedy am I. hehe. So after this paper, I have 3 more to go (Statistics, Management and Law). Quick quick! I can't wait anymore and I want jump to the water as the weather is really hot these days.

Anyway, after this semester, still have 8 more units(subject) to go in 2 semester for me to graduate from diploma. What's next? I really aim to get good CGPA in order to apply for scholarship to continue my degree. If scholarship don't want me then family scholarship as in my uncle sponsor better. Therefore I hope this coming next semester I can boost up my CGPA then I will be on the safe side. University of Teesside, BA(Hons) Degree in Finance and Accounting for 2 years. Enroll as 2nd year student with exempted units. As today's economic not in good position, better continue study rather than working. Market no good, here retrench there retrench. All in all, God's will be done.

Saturday, April 18, 2009

I didn't know that santan is salty taste!

Friday, April 10, 2009

Life Pieces...

God sent His son, they called Him, Jesus;
He came to love, heal and forgive;
He lived and died to buy my pardon,
An empty grave is there to prove my Savior lives!

    Because He lives, I can face tomorrow,
    Because He lives, all fear is gone;
    Because I know He holds the future,
    And life is worth the living,
    Just because He lives!

How sweet to hold a newborn baby,
And feel the pride and joy he gives;
But greater still the calm assurance:
This child can face uncertain days because He lives

And then one day, I'll cross the river,
I'll fight life's final war with pain;
And then, as death gives way to victory,
I'll see the lights of glory and I'll know He live

Gloria & William J Gaither

Pure and holy Son of God
Taking on the form of man
Left the glory of His throne
Came to bring salvation plan

Righteous Father, Holy One
Looking down on us in love
Gave to us His only Son
Sent with blessings from above

But we took Him and we nail Him
To a cross made of wood
And we raised it high and dropped it
In the ground where it stood
And the blood that flowed to the earth below
Bought forgiveness for the world
That had treated Him so

Peace on earth, good will to men
At His birth the angels sang
Love and mercy from the throne
Through the earth His message rang

He came in love to bring us light in our darkness
He came in peace to bring release from our pain
He came in joy to bring us rest in our weariness
He came in love to bring us beauty again

Jimmy Owens

got a F1 ticket worth RM100 for free from college.
too bad..didn't go and gave it to my friend

Monday, March 30, 2009

Exam is coming, therefore I'm posting my Exam Time Table.

20-April-2009 (Monday) - Introduction to Finance 9am-12pm

22-April-2009 (Wednesday) - Business Statistics 2pm-5pm

28-April-2009 (Tuesday) - Business Management 2pm-5pm

29-April-2009 (Wednesday) - Business Law 9am-12pm

Tuesday, March 24, 2009

Declare bankrupt in this period of time

Friday, March 20, 2009

I'm back! wohooo! Currently go for training in every Tuesday 6.30pm to 8.00pm at college. First training was like urghh! TIRING! After 2 years or even more didn't train already. My whole body is like rusty and contain fats haha.. Day after the training, whole body pain. here pain there pain like ah pek.. Now I've recovered and ready for the second training..

Friday, March 06, 2009

Mind Your Own Business!
This book cost RM85 and my friends and I got con where it is compulsory to buy it because our major assignment is related to this particular software. At the end of the day, we got our assignment question today and you know what? Geramnye... It is about Financial Ratios and nothing gotto do with MYOB because this software only record transactions instead of calculating ratios for analysis use. We want either compensation or change assignment question. Oh anyway.. my original lecturer is on her maternity leave and now is the replacement lecturer teaching 'empty tank'. Nothing gotto do with computerised accounting; in fact, teaching how to type the figures in instead of copy paste sources and this particular subject suppose to be copy paste sources(so that we know where the figures come from and easily detect and also auto change). Sei lo... So not following the rule one. By the way the replacement lecturer graduated in Degree Major in Econs. YES! "ECONS" may i know what gotto do with accounting and he's persuing his MBA in Finance and how does it related to accounting. I agree that his teaching in ECONS is excellent but not in any accounting subject sorry to say that. This is how my college allocate replacement lecturer without knowing the strength of the lecturer.

To achieve the SEGi Group's mission "Passion Guided, Industry Driven" manage the employee and allocate them according to their strength subject.
This is no good...after RBS grads, when i was running down the street to get the van... I accidentally step on mine and exploded.tsk good no good..

Thursday, February 26, 2009

today is so not my day man.. I was heading to McD, I got slipped and both arms and my left buttock injured. what bout my right? Good thing was my wallet protected me.

Sunday, February 22, 2009

patience is a virtue.
Parental Guidance 2
life is too short to leave the important things unsaid.

Parental Guidance 2

Saturday, February 21, 2009

very messy now!not only on the table even I myself don't even know what am I doing. Loads and bundles of work to do. manage here, manage there, manage until my brain also messed up. well it's my duty and I can't say much. what i can motivate myself is, it's a training ground.

Monday, February 09, 2009

life is so uncertain

Friday, February 06, 2009

Gong Xi Fa Chai!!

part 2's not growing..even the seed pun hilang.not even akar came out..what to like that wan de lo..

Saturday, January 24, 2009

look properly!nothing!'s not growing at all! because of...

Monday, January 19, 2009

阿杜 愛上誰作詞:林子欽 作曲:林子欽

Do Be Do Wa Do Be Do Wa Do Be Do Wa Wo~

雨 冰冷的雨 洗不掉你的淚水
我 無措的我 只能看著你枯萎
傷害 安慰 還有我對你的心碎
太傻 太亂 太過疲憊

我無法說服你 也無法改變你 愛上誰
只是看著 盼望著是場錯 oh~~
天無法告訴我 也無法改變我 去愛誰
只能這樣 讓雨水稀釋了痛的感覺

編曲:Johnny Yim

收藏在眼眸 常徘徊左右 愛猜到沒有
愉快玩笑後 能全然退後 你開心就夠

這種感覺太親厚 講一千句也不夠
假使講了你聽到後 或會走
這種戀愛太罕有 不須真正擁有
成全 衷心祝福然後 就放手

放手 放開所有 彼此更自由
放手 其實我絕非愛得不夠
放手 豁出所有 還有這個好友
已經 已經足夠

遙遠是宇宙 靜靜在背後 去看守就夠
這種感覺太親厚 講一千句也不夠
即使一剎有過衝動 挽你手
這種戀愛太罕有 不須真正擁有
成全 多捨不得仍然 是放手

放手 我的牽掛 找不到盡頭
放手 期望你幸福甚麼都有
也 愛很深厚 然而我早看得透
放手 至可擁有

Friday, January 16, 2009

when does the judge make law?
by God's grace, another good result. Thank You.

Saturday, January 10, 2009


Got tagged by Wy Lyn

Questions are as follows :

1. How much do you spend for clothes per month?
- I don't spend much on clothes maybe during festive

2. Who is more important to you?Friends or boy/girlfriend?
- friends. sorry no girlfriend

3. How often do you think about committing suicide?
- uncountable.really?don't know..

4. Do you think you have enough confidence?
- confidence only comes when I have mood

5. How many babies do you want?
- None at the moment but thought of 4.sure bankrupt

6. Do you believe in seeing a rainbow after the rain?
- not really.nowadays after rain,where to see rainbow lahh..

7. What is your goal for this year?
- To do my best in every way I can.

8. What kept you of being who you are?
- Many things.

9. What's a perfect girlfriend/boyfriend like to you?(List 10)
- no girlfriend!

10. What are you really afraid of?
- grasshopper and cockroach (enemy)

11. What are your bad habits?
- can't even realize

12. Is there anything you wanna tell the people who hate you?
- nothing.

13. State a random fact about yourself
- I'm random.

14. What does flying means to you?
- freedom

15. What do you crave for most currently?
- CNY!alot of angpows

16. Most unexpected gift you received so far and when?
- nothing

17. Describe the person who tagged you.Honestly.
- she's a nice and understanding girl from RBS.

18. What have you done to yourself that makes yourself happy?
- do something that make me happy

19. What will you become in another 10 years to come?
- accountant?

20. If you can choose how you want to end your life,how would it be?
- as long as rest in peace.

I tag:

1. colin gan
2. man ling
3. mei yoon
4. james
5. joanne lee
6. elena
7. melvin
8. may

Questions are as follows :
1. How much do you spend for clothes per month?
2. Who is more important to you?Friends or boy/girlfriend?
3. How often do you think about committing suicide?
4. Do you think you have enough confidence?
5. How many babies do you want?
6. Do you believe in seeing a rainbow after the rain?
7. What is your goal for this year?
8. What kept you of being who you are?
9. What's a perfect girlfriend/boyfriend like to you?(List 10)
10. What are you really afraid of?
11. What are your bad habits?
12. Is there anything you wanna tell the people who hate you?
13. State a random fact about yourself
14. What does flying means to you?
15. What do you crave for most currently?
16. Most unexpected gift you received so far and when?
17. Describe the person who tagged you.Honestly.
18. What have you done to yourself that makes yourself happy?
19. What will you become in another 10 years to come?
20. If you can choose how you want to end your life,how would it be?

Tuesday, January 06, 2009

UPDATED version as there are changes made

Friday, January 02, 2009

Christmas and New Year to me is like nothing new. Happy?not really? Sad?don't know. Everything is just same like previous years and nothing special. There are ups and downs and there are things also to give thanks. Well, life still goes on the same but different trials and challenges waiting ahead. I really don't know about tomorrow and don't seems to understand but I know who hold tomorrow and I know who's guiding me. Don't look back? Sometimes I can't even let go the memories. Again told myself, lay down the burdens and move forward. Where is my fire? Extinguished? So I start my life right in this 2009? Start my new semester with a so called fresh?hmm..slumber saje larh..

This is my new timetable for this coming semester. Please have a look and maybe save it so that you can make an appointment with me.hahaha
yes...yes...yes.. I'll be taking Business Law for this coming semester. Kind of tough subject where I have to memorize all the Acts and Section and understand it too. Is there anyone abiding the law nowadays? It seems like who But for business and company law, for me as I study in business line, it's an ethic lah..