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【玳瑚師父客人見證】《怎樣才能在一年之內把您收入增加8倍》
HOW TO INCREASE YOUR INCOME 8X WITHIN 1 YEAR (English version below)

文 ／ 李承修先生 Written by: Mr Lee Cheng Xiu

我在2017年中期的免費超市購物活動中，第一次見到玳瑚師父。我能接觸到玳瑚師父是由於上了季謙師姐的風水課程，而過後看到她在臉書上的帖子。我想首先感謝師姐讓我能認識到這一位能改善我的命運的一位師父。

我認識玳瑚師父時，祇不過是個沒什麼錢的大學生。當時，我剛開始學習怎樣做網上銷售。和很多剛開始的人一樣，那時我不是做得很好。雖然已經花了不少錢購買在線課程和請導師教導，但是仍然沒有什麼恆持的成績。

這一切都在我到文華東方酒店，首次參加了玳瑚師父餐會，大約一個星期後而改變。我聽取玳瑚師父的建議，更換了對我八字有利的手機和電腦的壁紙後，在四個小時之內得到我這一生的第一個訂單。接下來的幾個月裡，我的電子商店產生的收入，足夠支付我那學期的學校費用。

採取師父的建議，讓我在2018一年之內把收入增加大概8倍。我想用這個見證來表達我的感謝，並分享玳瑚師父幫助我的方式。

#1: 準確的預測

在2017年的一場餐會後，師父預言：我在2017年九月的收入將是我那一年的高峰。那時，我的網店訂單每個月都在增兩倍，所以我無法想像會如何發生。果真，我10月的收入真的比9月的還要低。而在2017年十一月中，因為自己粗心大意造成多個疏忽，必須把網店關閉及買掉。所以九月真的是我收入最高的那一月。

我在2018年頭，元旦過後，在機場與玳瑚師父見面時。他根據我的房屋平面圖，準確地說出我們搬入這家後的家運和家人的行為。他還依照我家的平面圖和我的八字，做了幾個預言。

在2018年年底，我回顧了一下，這些預言和之前師父說的搬家後的改變都非常的準。

他特別提醒我在2018年裡，不要不要做任何人的擔保人。在他告訴我的兩天後，我收到了一位朋友的電話。這朋友希望我在他新成立的公司擔任董事職務，因為他需要一位新加坡籍的公司董事。 想到師父兩天前的提醒，我拒絕了。

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#2: 慷慨

我在年頭參加了師父舉辦的拜天公活動。由於那時有點吝嗇，我祇準備了少許的供品。其他參與者的供品還沒燒完一半，我就已經把自己帶來的供品燒完了。看到我空手站著時，師父大方的給了我一堆供品，希望我能因此得到福報而回饋社會與眾生。

相關貼文： https://www.facebook.com/masterdaihu/videos/1394812880630258/

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#3: 風水佈局

在2018年農歷新年後的一次餐會上，玳瑚師父教了我們四個參與者一個簡單的風水佈局，可以在我們的家中擺設。這個佈局的用意是為了幫助財富，並且可以通過一些經濟實惠的常見雜貨物品，快速輕鬆地建立起來。

我2018年初從頭開始設立新網店，所以業務做得並不好。 但每當我更新這個佈局，一定會最少得到一兩個訂單。我在整個2018年裡保持了這個佈局，相信這有助於我收入的增加。

相關貼文：
https://www.facebook.com/masterdaihu/photos/a.678706218907598/1389735174471362/

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#4: 穿著建議

在餐會中，玳瑚師父會提供給我和其他參與者，有利於我們的各種服裝品牌的建議。 這些建議都是根據我們的八字而量身定制。 我的衣櫃以前裝滿了對我不利的衣服，可能這些便讓我一直都感到疲倦。 與同年齡層的人相比，我真的比正常人睡得多。

用對我有利的品牌和顏色，更換了我衣櫃裡大部份的衣物後，我發現自己更有活力，而且我需要睡覺的時間大大減少了。 幾年前在一次事故中折到腿，造成我的膝蓋上會有非常惱人的疼痛。在我改造衣物之後，這後遺症也彷彿在同時間大大減少了。

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#5: 食物建議

我在一次的餐會上而瞭解，我們吃的食物，實際上與我們的身體健康以及財務方面的財富有密切相關。在幾次餐會的過程中，玳瑚師父告訴我一些餐廳、麵包店和咖啡館對我的八字特別有利。當我感覺需要提升自己的運氣時，我會去這些地方吃一些對我比較旺的食物，麵包，飲料等等。確實，我通常會在進食時或之後，看到收入小幅度的增長。至今，我依然經常使用這種方法增財。

在去年的超市購物活動（我第一次見到師父時），他也建議了我應該吃的幾種食物類型，以及一些我應該避免的食物。我關注了我的飲食習慣一陣子後，發現當我遵循師父建議的飲食時，我確實每天工作比較好，感覺比較順利，比較舒服。

由於這些建議，我不得不捨棄我曾經愛過的某些食物，但我發現在經過一段時間不吃它們之後，我不再喜歡它們了。

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#6: 體重建議

在2017年的一次餐會中，玳瑚師父告訴我，我的體重與我的財富有關。師父說當時我的體重太重了，如果我想富裕，我應該努力效仿某位著名中國億萬富翁的體重。

這一點，我回想了我自己的過去，發現它是真的。 我遭遇的任何不幸（例如財富損失等）似乎都發生在我放縱自己，忘記運動的一段時間。

即使在今年，我發現這體重與運氣的相關性依然成立。 當然，在網上銷售，收入必存在一些起伏，但我發現我做得最好的月份是我體重最輕的月份，而賺得最少的時候也是我最重的時候。我在這半年的收入大概有6萬新幣，其中一半是利潤。為了答謝師父給我的指點，帶來那麼多的利益，我在年初給了師父一個紅包。

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我希望這個見證可以鼓勵任何尋求明確前進道路的人，與玳瑚師父聯繫。 很難找到具有這種成就水平的師父，願意通過餐會提供幫助。

我當時願意把師父的數百篇臉書文章都閱讀與按贊完，是因為我覺得師父的建議非常實際。加上，還有季謙師姐的推薦。當時，我覺得他是一位我可以學習的人，我心想反正讀完這些文章只需要一兩天的時間，不妨去讀，會對我有幫助。

但是，在與師父溝通時要記住你的禮貌，並遵守諾言。 這是我自己正在努力改進的地方。

感謝您的閱讀，我希望這見證對您有幫助。

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I met Master Dai Hu for the first time in the middle of 2017, at a free grocery shopping event that he held. I originally came into contact with Master Dai Hu after attending Ji Qian’s workshop and viewing one of the Facebook posts that she shared, so I’d like to thank her for connecting me with this Master who has changed my life.

When I first met Master Dai Hu in 2017, I was a poor student starting out with my online business. Like most people just starting out, I was not doing very well. Despite spending a sizable sum on mentors and courses, I was still not able to generate revenue sustainably. This changed approximately 1 week after I met Master Dai Hu, after my first meal session with him at the Mandarin Oriental hotel. I generated my first sale on my ecommerce store around 4 hours after heeding his advice to change my phone and laptop wallpapers to something more favourable to my Bazi chart. In the months following, my ecommerce store managed to provide me with enough income to cover my expenses for the school term.

Following Master Dai Hu’s advice, I managed to increase my revenue by approximately 8 times in the year 2018. I’d like to use this testimonial to express my gratitude and also to share the ways in which Master Dai Hu has helped me.

＃１：ACCURATE PREDICTIONS

After a meal session in August 2017, Master predicted that my income in the month of September 2017 would be the highest for the year. At that point my little store was doubling in revenue every month, so I didn’t see how that would play out. True enough, my revenue for October 2017 was lower than September 2017, and I had to shut down and sell the store website in mid-November 2017 due to multiple oversights on my end. Hence, indeed September was my highest income for 2017.

After a meal session in August 2017, Master predicted that my income in the month of September 2017 would be the highest for the year. At that point my little store was doubling in revenue every month, so I didn’t see how that would play out. True enough, my revenue for October 2017 was lower than September 2017, and I had to shut down and sell the store website in mid-November 2017 due to multiple oversights on my end. Hence, indeed September was my highest income for 2017.

I also met Master Dai Hu at the airport in early 2018, right after the Gregorian New Year. He made several deductions about events that occurred after we moved into the house, with respect to my family’s behaviour and luck.

He made multiple future predictions based on my house floor plan and my personal Bazi. Looking back at the end of 2018, these predictions (as well as the historial deductions) have been very accurate.

He specifically warned me not to be a guarantor for anybody this year. 2 days after he told me that, I received a call from a friend who wanted me to assume a directorship in his newly incorporated company as he needed a Singaporean company director. In light of the suggestion just 2 days past, I refused.

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#2: GENEROSITY

During the offering ceremony for the Jade Emperor organised by Master Dai Hu in early 2018, I brought a rather small amount of offerings due to my stinginess. I had finished burning all of the things I had brought before the other participants at the event had even finished burning half of theirs. Seeing that I had nothing left, Master Dai Hu generously gave me a large bundle of his own offerings. He hoped that with the good fortune I received, I would give back to the society and sentient beings.

Related: https://www.facebook.com/masterdaihu/videos/1394812880630258/

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#3: FENG SHUI FORMATIONS

At a meal session right after the Chinese New Year in 2018, Master Dai Hu taught 4 of us participants a simple Feng Shui formation that could be set up in our homes. The formation was meant to help with wealth, and it could be set up very quickly and easily with a few affordable common grocery items.

I was restarting my store from scratch earlier this year, so my store wasn’t doing very well. But I would invariably get a few sales on my normally desolate store each time I refreshed the formation.

I kept the formation in place throughout this year, and I believe it can be credited with my increased revenue.

Related: https://www.facebook.com/masterdaihu/photos/a.678706218907598/1389735174471362/

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#4: SUGGESTIONS ON CLOTHING

During meal sessions, Master Dai Hu would give myself and other participants suggestions on the types of clothing brands that are favourable for us. These suggestions are personalised based on our Bazi. My wardrobe was previously filled with items of clothing that were unfavourable to me, which could have been causing me to feel tired all the time. I was sleeping much more than was normal for someone my age at that point.

After replacing most of my wardrobe with my favourable brands and colours, I find myself more energetic, and the hours I need to sleep have been greatly reduced. The extremely annoying pain in my knee (the result of breaking my leg in an accident several years back) also seems to have been greatly reduced around the time I revamped my wardrobe.

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#5: SUGGESTIONS ON FOOD

I learned in a meal session that the food we eat is actually quite closely tied to both our physical health, as well as our fortune in financial matters. Over the course of several meal sessions, Master Dai Hu told me about a certain restaurant, bakery and cafe that were particularly favourable for my Bazi. I would go to these places to consume the food when I felt like I needed a little boost. True enough, I would usually see a small spike in revenue during or right after my visit to these places. I still use this method very often.

During the grocery shopping event (the first time I met Master), he also enlightened me on several food types that I should be having more of, as well as some foods that I should be avoiding as much as possible. I tracked my diet intake for a bit, and I found that I really do work and feel better when I follow the diet suggested by Master.

I had to eliminate certain foods that I used to love because of these recommendations, but I find that after a certain amount of time not eating them, I don’t really like them any more.

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#6: SUGGESTIONS ON WEIGHT

During a meal session in 2017, Master Dai Hu told me that my weight was correlated with my fortune. I was told that I weighed too much at the time, and that I should strive to emulate the frame of a certain well known Chinese billionaire if I wanted to prosper.

I thought about this for a bit, and found it to be true based on my own history. Whatever misfortunes I suffered (such as loss of wealth etc) seemed to occur at points in which I had let myself go and forgot to exercise for a period of time.

I find this weight-luck correlation to be true even this year. Granted, there is some variability in income for online businesses, but I find that the months in which I do the best are the months in which I weigh the least, and vice versa.

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I hope that this testimonial can encourage anyone seeking clarity for the path ahead to reach out to Master Dai Hu. It is extremely rare to find a Master with this level of attainment who would be willing to help through his learning sessions. My total revenue for the year was approximately 60,000SGD, with about half of that being profit. To thank Master for the pointers given and to show my appreciation for all the lessons he has provided, I gave a red packet to him when I met him earlier this year.

I was willing to read and click Like on hundreds of Master’s article posts on Facebook, because I felt that the suggestions he provided were extremely practical and easy to use. Moreover, he was recommended by Ji Qian. Back then, I felt like he was someone I could learn from, and that I would benefit from reading the articles that he had written. Besides, it would only take me a day or two at most to finish reading and liking all the articles, so I really didn’t have anything to lose.

However, do remember to mind your manners when communicating with Master, and keep your promises. This is something that I, myself, am trying to improve on currently.

Thank you for reading, and I hope this was helpful 😀

English version 「🇮🇸Budget to go Iceland🇮🇸」

In planning this Iceland road trip around I do not refer to other people's travels routes. So some attractions I might missed. Also, do not think Iceland will certainly see the aurora. We have 10 days there but only 2 days we have chance to see. One day is kp5, one day is kp1 Bale. There are also people who have not seen it in 10 days. In addition to the Aurora, Iceland is so beautiful of the landscape.

Day 1
Kuala Lumpur - Istanbul - London - Iceland
On October 24, 2017, we departed from Kuala Lumpur International Airport to Iceland because of the cheap airfare.
So we need to transfer to Istanbul from Istanbul.
Then transfer from London to Iceland.
Although it is a waste of time but save money, it does not matter!
From Kuala Lumpur to Iceland took a total of 24 hours.

Day 2
Arrived in London at 9:30 in the morning.
The flight time to Iceland is 12:55.
Worried about too many people waiting in line so we buy online Premium Passport Lane.
With that pass, we do not need to line up with the customs.
VIP Lane can go directly.
Feel like VIP!
From customs clearance to get baggage no more than 15 minutes.
Walk from South to North terminal, Icelandair in North.
About 3 hours flight from London to Iceland, the first thing to Iceland is to change the local currency.
After that we pick up the car and we have a 9-day car rental with Thrifty.
Last added unlimited wireless Internet access, 15 euros a day.
Car must buy full insurance, Iceland has too much sand accident, it is easy to scratch.
In order to save money, we rented a manual car.
Take the car directly to the nearby Bonus supermarket to buy some food for next few days.
We spent RM160.
After an hour and a half by car to our hostel.
This homestay is located in a remote downtown area.
We reached there about 7:30PM.
Quickly prepare dinner, friends shouted after dinner. Aurora!!!
Everyone ran out to see the aurora.
I did not expect so strong aurora, the naked eye directly saw.
Also lasted a few hours, due to too excited, forget the jet lag.
Can not sleep, 12 o'clock to sleep, 5 o'clock and got up and continue to see Aurora.
And the sky full of star, is the most beautiful night i have ever seen.

Day 3
Sleep for 2 hours and enjoyed bathtub outside the house.
Hot springs so comfortable!
The sky started to light up at about 8 o'clock.
Prepare our breakfast, then we started today's attractions.
We are taking the most basic Golden Circle attractions.
Geysir Fountain - Goldfoss Gold Falls --bingvellir National Park
We went to Geysir Fountain and Gullfoss Golden Waterfall
Geysir fountain is so special! Is the geothermal valley, water from the ground.
Gold Falls is spectacular, remember to bring a raincoat, or will be drenched.
As we live in the middle of these two attractions, we have lunch back home trip.
Then go to bingvellir National Park
This is UNESCO, a lot of scenery to see, if you like the wild scenery must come to this.
Feel the Soul Out Rip in the Rift Valley at Singgweler National Park.
From 10 am until 6 pm in the evening.
Dinner at home.
We do not spent any money today

Day 4
Slept early last night, so everyone got up early.
After breakfast will go to other place.
The sky was covered with rain clouds.
We left at 8:30PM and went to Keiro Crater.
Tickets are required here, one for 400 kroner.
After continuing to the east, on the way through the Volcano Experience Hall.
We do not know to buy tickets, the result we accidentally [free] into the museum to watch the video.
The beautiful Seljalandsfoss Falls pass on the way.
Very worth visiting ~
Come to today's highlight - D3 wreckage
This is the story I heard.
"It was a miracle that on November 24, 1973, a U.S. Navy aircraft (C-47 SkyTrain, also known as Dakota) was forced to land on Sólheimasandur's dark beach in southern Iceland and all crew members survived. It was said that due to the cost of repairs too It has been quietly staying in the corner of Iceland.
But since the plane's own metal lines matched the landscape of the Icelandic land, making it a must-see for many tourists, photographers visit the must-see places of Iceland and even plan their own exclusive routes, gradually becoming more lively. "
Iceland is really a place of praise like the explosion, any weather, she has become a landscape.
However, under the well-known, but also brought a lot of burden.
Last March, the owner of the area announced the closure of the road to the wreck because it could not afford to take any more damage.
Photographers and tourists love it, bring it to fame, but also brought loss. Although they are unintentional, this is an indisputable fact.
All along, everyone can only rely on GPS (google coordinates: 63.459523, -19.364618), go wild to find the location of the wreckage, strangers in unfamiliar places, drove a four-wheel drive (usually go to the wreckage need four-wheel drive) , Will inevitably cause some damage to the environment.
Now we all choose to park the car on the road around the island, 5 km on foot to see the wreckage.
Sometimes I have to admit that foreigners have a very strong sense of protection for the environment. In their eyes, people are the same as nature and need rest and love and need to get along well with each other.
If you give me a choice, I think I will still go in.
But it must be chosen in a sunny day rather than in a storm of wind that blows away people today.
To the last body, including underwear are soaked, the mood has also been destroyed, the next attractions do not want to go.
Just want to back to stay for a change.
Want to go to the wreckage, remember to choose the right weather, the wrong choice can make people very upset.
Tonight we will be staying in Kirkjubæjarklaustur, a beautiful little town that will allow us to travel to the eastern part of Iceland early tomorrow morning.

Day 5
As usual to prepare our own breakfast to go out today than usual out.
Because we want to drive 420 km, estimated 5 hours and a half drive.
Departure from the southern city of Kirkjubæjarklaustur to the eastern city of Reyðarfjörður.
We do not have any plans today.
What attractions stop, unexpectedly found the roadside unknown waterfall creek.
There will be glaciers along the way, so spectacular too!
The Glacier Lagoon will come again, but we will not go in the direction of the tourists.
We stopped in the car park 1 km before the entrance, and then climb down the mountain to Avoid crowded.
After that we continue our road trip to east.
Then you must not miss the fjord view to the east.
We all drive the car on the left side of the mountain, on the right is the Atlantic Coastal Road.
Fjord scenery super beautiful, super magnificent.
However, it should be noted that the wind in Iceland is very strong, and several times our car was displaced by strong winds.
It's hard to drive when the weather is not good, after all, there is no fence around the road.
Minute wind will blow the car down the Atlantic.
The most dangerous place than the 95 road.
Well, I carefully driving carefully to bring everyone to the east.
Reyðarfjörður is a small city.
In fact, choose to live here is not because of what attractions.
Instead, it is here as a rest stop before we heading to the north tomorrow.
Tomorrow will continue to open 297 kilometers about 3 hours and we already on half away.

Day 6
From the east to the north, 240 km and about 3 and a half hours away.
Iceland is a very interesting place, yesterday we saw the magnificent fjord style.
Today we cross a few snow-capped mountains actually came to Iceland's famous volcanic area.
Kaffle Volcano is Iceland's most active volcano.
We drive along the road so there is no attraction recommended, nor go to the waterfall of Iceland God Goðafoss.
Because we worry of road in the mountains, our 2WD car will be more difficult to drive.
We are moving along the Lake District.
Finally, we go to a small number of tourists, not commercial Mývatn Hot Springs.
Mývatn water quality is good, after all, not many people the most important price is half cheaper than the Blue Lake.
The most exciting things is from the toilet to the spa although there’s a short distance.
Super cold! ! ! ! ! ! ! !
After that we will continue to Akureyri, the second largest city in Iceland.
After a few days of running around, we will stay here for 2 days as a resting place.

Day 7
If longer holidays, I will arrange a half-day trip in the middle of the trip.
After a few days of long run, we still stay in Akureyri today.
And we do not have any plan, we wake up to sleep naturally.
Go to the local supermarket stroll, explore the price, buy ingredients.
Walk around Akureyri Botanical Garden, the famous local church.
Then decide to go to an unknown tourist spot.
We decided to go to Dalvik.
Since this is not Route 1, we drive Route 82, so the road is not that good.
But the beautiful scenery along the way is so beautiful.
Lake, sea, snow-capped mountains.
And the mirror-like lake reflected the shadow of snow-capped mountains on the water.
Nobody walked by the road as we sat in the middle of the road taking pictures.
Alpine waterfall directly down the sea to the scenery now feel unforgettable.
Due to the lack of itinerary, we will be staying in only 3 hours outside.
Today is easy and casual.
Charge good tomorrow continue to move north and west.
To stay in a farmhouse.

Day 8
Today's trip is easy, so we sleep later.
We are staying in a farm in the north today.
We also deliberately avoided the well-traveled Route 1 and headed for the cliff coastline.
The scenery along the way is so beautiful.
However, since the farm was not far away, we returned to the farm very early.
After lunch, we sneak into the farm and play with the cute Icelandic horse.
As the weather is too cold, we have been in the bed and breakfast where to go.

Day 9
Today it is necessary to drive back from the north to our last city, Reykjavik
On the way we turned into the Sea Lion Museum, in order to see wild sea lions.
We drove the car into Route 74.
Along the road are stone road, hard to open ah!
Finally, unfortunately did not meet wild sea lions.
But I saw the road map seems to be through the Snæfellsnes
So we decided to drive into the Sinai Peninsula, then do not take the 1st.
In order to reach the Sinai Peninsula more quickly, we choose to drive the car into the Route 59, the whole road is sand stone.
And no white lines, only allow a car to drive.
I drove the car into fearlessly.
The rolling hills are on our left hand side and the right hand side is the sea.
There’s no signal along the road.
There are not many people living along the road.
Up and down the ramp absolutely can not see the opposite of the car, there are also on the slope to a big turn immediately.
I accidentally put the car into the sea, I was serious.
As we went to the Snæfellsnes to see Kirkjufell, so we travel longer.
Because it’s too late. So that we rushed back to Reykjavik and failed to stop taking pictures.
After all, the sky quickly darkened.
Today is our last accommodation in Iceland and we have to enjoy tonight.
In order to save money, plus the flight at 6 o'clock in the morning, tomorrow will overnight at the airport.

Day 10
Today is our last day, we wake up naturally.
Due to the car parked in Reykjavik parking.
We need pay parking hourly.
First we went to visit Reykjavik Cathedral.
Nice church, and Akureyri's church is the same designer!
As there are still a lot of public funds, we decided to take to eat Buffet.
Iceland has a great value Buffet.
This restaurant is located in the city center, restaurant reykjavik.
There are pickled fish, shrimp, desserts have.
And a talent 2250 kroner.
We had eaten for nearly two hours before we came out because we had booked Blue Lake in the morning.
We have to arrive at the time of booking.
Too early to go out too cold, very uncomfortable.
After finally soak to the legendary Blue Lake it!
A lot of guests here, more business, water quality is relatively clean, but more water meters rice mineral.
As the plane is 8 am tomorrow, I specifically do not arrange accommodation.
Want to say we can drive to chase aurora, how to know a large cloud of sky, plus the outside of the cold.
We did not want to go out at all, so return the car early.
Waiting to the airport ~
In Iceland, our spending is really not much!
If you are willing to cook their own meals, we are absolutely able to afford the consumption of Iceland Oh!

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About transportation
I'm booking with Thifty
www.rentalcars.com

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About accommodation
If you have not registered Airbnb, then you can click on the link I gave.
Because you can get RM105 discount Oh!
Click on the following web page to register
https \: //abnb.me/e/Cp1WcwtYSH

Day 1 + 2 Laugarvatn's Cabin Accommodations RM1550
Location is located in the Golden Circle, to see the Golden Falls and the National Park are very convenient
The most important if the weather is good, you can see the Aurora outside
Finnish bath outside the house can be while watching the Aurora bath
A room, a bathroom kitchen, can accommodate up to 5 people, the house is relatively small
https \: //www.airbnb.com.tw/rooms/4821490? s = 51

Day 3 Kirkjubæjarklaustur Small House RM875
It is also a detached house, with 1 bedroom, 1 living room, kitchen and bathroom
Comfortable and quiet environment, can accommodate 4 people, spacious house
https://www.airbnb.com.tw/rooms/12113836?s=51

Day 4 Reyðarfjörður ultra cozy Nordic small room RM570
The owner lives downstairs and our suite is on the second floor.
There is kitchen, living room, room and bathroom.
Warm environment, the owner friendly, can accommodate 4 people, the house spacious
https://www.airbnb.com.tw/rooms/9488392?s=51

Day 5 + 6 RM930
The house is clean and tidy, the room and the kitchen are separated.
Can accommodate 4 people
https://www.airbnb.com.tw/rooms/5870156?s=51

Day 7 RM450
Live in the pasture, experience ranch life, hot springs can bubble.
Shared kitchen and shared bathroom.
https://www.airbnb.com.tw/rooms/13055866?s=51

Day 8 RM680
Agoda booking for Central Guesthouse
Super good location, easy to find.

Day 9
Sleeping airport, early morning return to London

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About spending
Round trip ticket Kuala Lumpur - London RM2100 / person Turkish Airlines
Round trip ticket Iceland - London RM900 / person Icelandic Airlines
Car rental 9 days RM2900 = 725 / person
Wi-Fi machine 9 days RM680 = 170 / person
8 days stay RM1265 / person
BlueLagoon RM400 / person
Keira crater tickets 400 kr = RM16 / person
Rice Lake Tickets 4300 Crowns = RM170 (person)
RM5746

The daily living expenses (in Iceland krona, all multiplied by 0.0395, for 4 people)
Day 1-0
Day 2 - daily necessities + ingredients 4000
Day 3-0
Day 4 - oil 4500, 2200 ingredients
Day 5 - Oil 6105
Day 6 - Ingredients 239
Day 7 - ingredients 2200
Day 8- Fighting 6404
Day 9 - ingredients 1200, 1000 tolls
Day 10 - Oil 8463, buffet 9000

CZK 45311 x 0.0395 = RM1790
Except 4 people = RM448

Total cost RM6191

PS: The above is the basic spending, does not include shopping buy souvenir.

Photo shooting: Northern Lights Canon G7X, all other photos shot by Note 8.

10 tips beli rumah . jom ruang kan masa membaca . tak salah kita menambah ilmu . 😊

1. Pilih Loan Yang Betul
Pastikan loan pertama yang anak muda buat dengan bank adalah loan rumah. Bukan loan kereta. Ini adalah kerana loan kereta akan menyebabkan komitmen anak muda semakin tinggi dan kelayakan di pihak bank untuk beli rumah semakin berkurangan. (Kalau nak pakai kereta jugak, pastikan guna nama orang abang, kakak, atau ayah. Asalkan bukan nama kita. Nak senang lagi, mintak nak...
Continue Reading10 tips to buy a house. Let's space the time to read. It's not wrong for us to add knowledge. 😊

1. Choose The Right Loan
Ensure the first loan that young people do with the bank is a house loan. Not a car loan. This is because car loans will lead to young people's commitments getting higher and the qualifiers on the bank to buy houses are reducing. (If you want to use a car, make sure to use the name of your brother, sister, or father. As long as it's not our name. Want to be easy again, asking to continue paying their car)

2. Use Company Accounts As CashFlow
If young people do business, make sure that customers bank in to the company account. Not a personal account of young people. If the customer banks into a personal account, it will NOT be counted as INCOME. So, lose it there. If anyone missed it, transfer back to the company account with a note ′′ CASH SALES ". If you are eating your salary, and within the same time your own business, register the company. ENTERPRISE is enough.

3. Pay KWSP
If young people are doing their own business, make sure to set your salary for yourself and pay your own business. When applying for loan bank later, there will be 2 types of income of young people. That is income from business, and income from your own salary. For salary payment, use company check to pay. Avoid transfer online only. And make sure to make Payslip and cop together.

4. Don't Influence ASB Loan and Personal Loan
Don't be quick to take ASB Loan or Personal Loan. Because this type of Loan is always the factor that leads to our home bank rejected loans. If you want to take ASB Loan too, make sure that after passing your home loan, then take it once. For me, if you plan to buy a second property, don't take an ASB loan anymore. Because usually the bank will offer us after we pass our first home loan. (but it's different if your income is big, if just taking ASB Loan and monthly payments doesn't give a big effect on your DSR, it's okay.

5. Buy First Home For Investment
For the first home, make sure you buy for investment purposes. Why did I say that? Because if young people buy to sit by themselves, it will be a expenses for young people. It's different if young people buy it in cash. Investment is also divided into two. Either Cash Flow or Capital Gain. If young people choose to cash flow investment. It means young people rent the house to others. Ensure the rent given is nothing less than the bank's monthly payment. Another one is Capital Gain. This means, young people buy a house at a certain period, and when the value of the house increases, young people sell / flip the house and get profit from the sale. This way is called Capital Gain.

6. Don't Combine The Name Of Husband Wife When Buying
Avoid combine the name of husband and wife while buying a house. This is because, everyone is only eligible to get a 90 % loan for two houses only. If the 70th house, only get a loan for 70 %. This means, if you follow the rules, a couple of wives will be able to buy 4 houses. But if combine the name, it will be only 2 houses to get a loan of 90 %. So, you'll lose it. The right rule for a husband and wife is... Buy 4 houses, 1 to sit alone, and 3 more for rent. It's a profit from renting that house to pay monthly for the house that you sit. Isn't it like sitting like that?

7. Ensure CCRIS Records CLEAN
CCRIS record is a record from Bank Negara that collects our debts with financial institutions in Malaysia. To make it easier for you before you decide to make a home loan, make sure you check your own CCRIS record first. Later you'll see your debt list and next to your monthly payment list. If it's 0, it means your record is clean. You're a man of mind. If it's 1, this means there's 1 months out, then 2,3,4 and so on. The way to check is to go to the National Bank and use the machines provided. Or now can apply online only. I'll show you the other day.

8. Three Types Of Home You Need To Know
There are three types of homes you can buy.
FIRST - undercons house (meaning under construction). Usually undercons homes are suitable for people who plan on FLIPPING (Selling) when they're done. If you're looking for a house with discount 7%, then you just need to remove 3 % capital. If you can find a house that gets 10 % discount, then you don't need to withdraw the capital to pay deposit.
BOTH - House of subsale. (means the house is done and has someone else's name). For this type of subsale house, a very large capital is required. If the house is RM500, 000, then a deposit of RM50, 000 is required. Added again with legal fees, etc.
THIRD - Auction House. Among these three types, auction houses are at very high risk. But it's okay.. high risk, the return is high.. If winning auction bid is much cheaper than market price, you'll be lucky.. For auction types, you need to study in terms of market value, house state, neighborhood and others before committing to join the bid. If you ask me, I'd rather buy a UNDERCONS house. 😊

9. Buy Undercons Home
If you choose to buy a house under cons, then choose a big developer. Examples like SP Loyal, IJM Land, Sime Darby, Worldwide and others. The first reason why to choose this developer is less risk. Meaning, the risk for abandoned projects is very low. If you choose a developer with no name, the risk is very high because they may lack capital or have other problems and cause the project can be abandoned. We will lose too later.
Second reason, if a big developer, they usually provide many benefits to their property buyers. For example, 5 %- 10 %, free air conditioner, alarm system, vinyl floor and more. Additionally, big developers will usually provide plenty of facilities in a residential park that they are developing. Look at SP Loyal example. So lucky people buy a house in this nature. How many new facilities they get. For example, there are malls, mosques, banks, parks, and more.

10. Buy Following Skills
Buy a house according to ability. Don't follow the lust. Yerlah, sometimes we are affected by friends who buy big houses, we also want to buy a big house. Loan may be able to pass.. but when entering the monthly payment chapter, it's really burdening you. Monthly commitment is higher than the income you get. Last-last, outstanding! So, to avoid this happening, before deciding to buy any house, make sure you count first about your monthly income ability to pay the house later.

11. Extra Tips
It's normal if loan for the first house, the bank wants to see your CCRIS record. Depends on some banks too. If you have never made a loan with a bank, then your ccris record is empty. And banks can't judge how discipline you are on loan payment. So, if this problem happens to you, there are 2 ways you can do it.
FIRST, you apply credit card and use it. The way to use the correct credit card is, swipe during the day, and at night keep paying back the credit card. This is to prevent you from forgetting to pay.
, make personal loan in the lowest amout in Easy RHB. This way, the bank will see a track record that you are a good debt payer.Translated