Ramblings at Random

on COVID-19: 3 Important Financial Lessons For Youngsters Source: Freepik Money management skills can make or break a person’s future. Poor money habits can lead to zero savings and high debt while good money habits can lead to financial independence and secure life. Especially during uncertain times like this during the COVID-19 pandemic, it is crucial to make sure you are on track with your finances. Gen Z and millennials need to learn how to manage money wisely since a misstep can lead to financial disasters. Just like health, wealth is an important component of life. Here are 3 important money lessons for youngsters who are starting to build their financial portfolios, especially during COVID-19. Budget, track and spend wisely Source: Freepik Once you get your salary, it is crucial to allocate your income to necessities, debts, savings, and so on. One of the most popular budgeting rules is the  50/30/20 rule  popularised by US Senator Elizabeth Warren. She suggests that 50% of inco

  AFFILIATE MARKETING   NEWS Watch Out For The Latest Scams That Misuse ACCESSTRADE’s Company Name – ‘Warning Letter’ and ‘Part-Time Job’  on Watch Out For The Latest Scams That Misuse ACCESSTRADE’s Company Name – ‘Warning Letter’ and ‘Part-Time Job’  ACCESSTRADE’s company name is once again being misused in online scams! Therefore, we would like to re-emphasize that  ACCESSTRADE MALAYSIA IS NOT INVOLVED IN ANY SCAMS   and we advise you to be alert towards these scams as shown below! ‘Warning Letter’ Scams With regard to this ‘warning latter’ scam (as shown in the screenshot above) misusing our  INTERSPACE group  and  ACCESSTRADE  company name/logo as well as fake signatures of our management, which was reported by Singapore internet users earlier in November 2021, we would like to announce that ACCESSTRADE only sends emails and information through ACCESSTRADE  official accounts . We will  NEVER  send emails including signatures of ACCESSTRADE staff or merchants to individual internet

"My Lord! Grant me the power and ability that I may be grateful for Your Favours which You have bestowed on me and on my parents, and that I may do righteous good deeds that will please You, and admit me by Your Mercy among Your righteous slaves." -(Surah An-Naml, verse 19) Saltwater Aquarium 101 - Hammer Coral Like Torch Coral, Hammer Coral got its name due to the hammerhead-like tip of its tentacles. Though they belong to the same parent species, and both have stinging capability, Hammer Coral will lose the battle to Torch Coral, never put them near each other. Hammer Coral may also replace Anemone to be Nemo's playground, but it might be unfavorable to the coral itself. Hammer Coral when light's on @ awake: Hammer Coral when light's off @ asleep: Remember last post, I shared a picture of Torch Coral doing some nature calls. That might be true because we feed it with shrimp, so it's expelling waste. However, if that's not the case, that probably is an in

" Our Lord! Bestow on us from our spouses and our offspring the comfort of our eyes, and make us leaders of the Muttaqun (the pious). "  -(Surah Al-Furqan, verse 74) Saltwater Aquarium 101 - Torch Coral Name given based on the round shape of the tip of its tentacles. When it sways with the flow, looks like Medusa's hair, yikes. They breed by growing new branches/heads. Beware not to put them near other types of corals because they use nematocyst to sting as a defend mechanism. If the torch coral do not open or those tentacles do not extend, that's an indicator that it is stress. Perhaps you'll need to check the water parameter or if there's any fish bothering/nipping on them. Torch Coral when light's on @ awake: Torch Coral when light's off @ asleep: Since corals are animal, they do have nature calls as well, at first we thought that's a parasite worm, but naa, it's just the poo: Our oldest Torch Coral, I think was constantly bullied by Nemos t

"Our Lord! Avert from us the torment of Hell. Verily its torment is ever an inseparable, permanent punishment. " -(Surah Al-Furqan, verse 65) Saltwater Aquarium 101 - Brain Coral In a colony, these Brain Corals really resemble a brain, especially their grooves. Corals generally consist of two types; hard and soft. Brain Corals may look fluffy, but they are under hard corals category. Noticed that during awake or asleep, it looks the same, that's because underneath it is actually a  skeleton. Brain Coral when light's on @ awake: Brain Coral when light's off @ asleep: Brain Coral's tentacles appearing when food is detected: Brain Coral inflating itself trying to shed something off: The bigger Brain Coral just died recently, this is how its  calcium carbonate  skeleton looks like : Eat to Live Today's confectionery made:  Mini Popia + Popia Simpul Charity Suggestion for Today Islamic Aid Malaysia Bank Details: Maybank 5640 7000 2424 Till then, my prayers for

"Our Lord! We believe, so forgive us, and have mercy on us, for You are the Best of all who show mercy! "   -(Surah Al-Mu'minun, verse 109) Saltwater Aquarium 101 - Orange Yuma Mushroom Did you know, that the colour of the coral affects its price range? Since Nemo's Anemones are expensive, we opt for Orange Yuma Mushroom instead. We found this video from YouTube, they managed to caught a time lapse of how Yuma Mushroom feeds: Orange Yuma Mushroom when light's on @ awake: Orange Yuma Mushroom when light's off @ asleep: Orange Yuma Mushroom breeds @ how its baby looks like: Eat to Live Today's main dish made:  Ikan Stim Sayur Charity Suggestion for Today MyKasih Foundation Bank Details: AMBANK (M) BERHAD 217-201-200645-9 Till then, my prayers for you and your family 🌷

"My Lord! I seek refuge with You from the whisperings (suggestions) of the Shayatin (devils). And I seek refuge with You, My Lord! lest they should come near me. "  -(Surah Al-Mu'minun, verse 97-98) Saltwater Aquarium 101 - Button Polyps Apparently, there are many types of Button Polyps, ours is Brown Button Polyps, I think, though not sure. What's polyp you asked? We keep reading about it when it comes to corals, right? Surprise, surprise, corals are invertebrate animals . Button Polyps when light's on @ awake: Button Polyps when light's off @ asleep: Just so you know, certain button polyps will release palytoxin when it feels threatened, careful not to touch with bare hands, or better yet, don't take that species (@_@) Eat to Live Today's dish? Kitchen's close today (-_^) Charity Suggestion for Today Serantau Muslim Bank Details: Maybank 5641 0042 1083 Till then, my prayers for you and your family 🌷

"My Lord! Cause me to land at a blessed landing-place, for You are the Best of those who bring to land. " -(Surah Al-Mu'minun, verse 29) Saltwater Aquarium 101 - Blastomussa I always confused myself, calling this coral Blastoise, that's a Pokemon. If suddenly your Blasto detached itself and went somewhere, maybe you should check your lighting or waterflow. They said, Blasto does best under moderate lighting and low water flow. Blasto when light's on @ awake: Blasto when light's off @ asleep: Blasto tried to enjoy its food before being snatched away: Eat to Live Today's appetizer:  Samosa Charity Suggestion for Today Malaysian AIDS Foundation Bank Details: Maybank 5141 0542 1257 Till then, my prayers for you and your family 🌷

"O my Lord! Open for me my chest (grant me self-confidence, contentment and boldness). And ease my task for me. And loose the knot from my tongue (incorrectness from my speech). That they understand my speech. " -(Surah Ta-Ha, verse 25-28) Saltwater Aquarium 101 - Green Star Polyps (GSP) Before we discuss further about aquarium light, let me share our corals that are still alive, and show you the comparison when there's light and vice versa so that you'll appreciate the light more. First coral, Green Star Polyps also known as GSP. They look like fluorescent grass, we bought it when it's just that tiny with few polyps, and now look at how it flourishes, almost covering the top life rock. As long as there's light, water flow, and at times feed them with liquid food, these GSP will be in good hands. GSP when light's on @ awake: GSP when light's off @ asleep: Eat to Live Today's main dish made:  Tom Yam Ayam Sayur Charity Suggestion for Today National

"Our Lord! Bestow on us mercy from Yourself, and facilitate for us our affair in the right way!. " -(Surah Al-Kahf, verse 10) Saltwater Aquarium 101 - Filtration System Our DIY sump has two columns. The right column is where water will enter, inside it contains; -sponge: washed during major cleaning -frozen packs of water: when needed for controlling water temperature -activated carbon @ charcoal: to purify water and remove odor -ceramic biobead & ceramic ring: helps to hold beneficial bacteria that can remove ammonia and change nitrites to nitrates The left column is where water will return back by means of return pump, inside it contains; -submersible pump -tubes to and from chiller Eat to Live Today's dessert:  Bubur Kacang Jadi Aiskrim Charity Suggestion for Today Persatuan Kebajikan Anak-Anak Istimewa Selangor Bank Details: Maybank 5626 8320 0189 Till then, my prayers for you and your family 🌷

"My Lord! Bestow on them (parents) Your Mercy as they did bring me up when I was young. " -(Surah Al-Isra', verse 24) Saltwater Aquarium 101 - Saltwater Sump Apart from corals, we only have fishes, snails and shrimp. I want starfish like Patrick, but in the absence of Sea Urchin, it'll eat corals. I want Seahorse but then we'll have to prepare another special tank for it. I want Anchovies, at least if we want to cook, I can just fish it out, but they live in brackish water. And the list goes on. So before I continue on with corals, 2 utmost important equipment to breed corals; filters and light. Today I'm gonna share about saltwater sump. It's where you store all kinds of filters in one place, to hide those filters from viewers for aesthetic purpose, I'll share in the next chapter what's in our sump. Basically, water will enter the sump and returned back to the tank by means of sump return pump.  You may buy it or do it yourself. Video below shows

"Our Lord! Forgive me and my parents, and (all) the believers on the Day when the reckoning will be established. "  -(Surah Ibrahim, verse 41) Saltwater Aquarium 101 - Nassarius Snail Part of the cleaning crew as well, but it has a distinct feature compared to other snails. It can submerged itself inside the sand (maybe burrowing is the right word) and just leave its siphon (I think it acts as a nose) out, and you can imagine it looks like a submarine or a snorkel. It will emerge from the sand when it smells food nearby. Speaking of submarine, sending healing prayers and comforting hugs virtually to affected families: Indonesia-finds-wreckage-of-lost-submarine-nanggala Eat to Live Today's appetizer:  Keropok Ubi Kayu Charity Suggestion for Today Malaysian Association for the Blind Bank Details: Maybank 5140 5763 7836 Till then, my prayers for you and your family 🌷

"O my Lord! Make me one who performs As-Salat, and (also) from my offspring, our Lord! And accept my invocation. " -(Surah Ibrahim, verse 40) Saltwater Aquarium 101 - Bumble Bee Snail Some say its yellowish and black stripes, hence the name bee, but from what I see, its black and white stripes. Like any other snail, it likes to roam around and clean things along the way. Last year we chased away the Boxer Shrimp from eating both Bumble Bee and Turbo Snails as its combo meal, it even looks like those snails are protecting each other. For now, we can't find it anywhere, and not sure if it's still alive and hiding or already been eaten by the shrimp (@_@) Eat to Live Today's main dish made:  Bihun Singapore Charity Suggestion for Today National Kidney Foundation Malaysia Bank Details: MAYBANK 0140 1145 0041 Till then, my prayers for you and your family 🌷

"Allah is sufficient for me. None has the right to be worshipped but He, in Him I put my trust and He is the Lord of the Mighty Throne." -(Surah At-Taubah, verse 129) Saltwater Aquarium 101 - Turbo Snail We love to have Turbo Snails because they seem very effective in helping cleaning the glass tank, rocks, sand. Though the name given is Turbo, it moves like any other snail, slow. They even struggle to get up like the video below. Nevertheless, I've found out that the word Turbo is more because of its shell shape looks like a turban,  www.practicalfishkeeping.co.uk . But so far, all 3 of them succumbed in the hands of the Boxer Shrimp and we even managed to caught the shrimp eating the snail bits by bits. ='( Eat to Live Today's dessert made is  Kek Batik Charity Suggestion for Today Pertubuhan Kasih Umat Malaysia Bank Details: CIMB BANK 8603 5463 76 Till then, my prayers for you and your family 🌷

"Our Lord! Place us not with the people who are the Zalimun (wrong-doers). "  -(Surah Al-A'raf, verse 47) Saltwater Aquarium 101 - Gobiidae We call it Goby fish. It helps clean our tank. At times, you'll find it hard to spot it maybe because it can camouflage itself with the rocks or sand. The way it moves around sometimes looks like it is jumping. To think about it, maybe that's the cause of sometimes our corals topple over from the rocks. Eat to Live Today's main dish made: Patin Tempoyak + Sambal Gesek + Ulam Charity Suggestion for Today National Stroke Association of Malaysia Bank Details: MAYBANK 5122 3152 0534 Till then, my prayers for you and your family 🌷