Friday, September 25, 2020

How I spend my retirement and Stay Healthy during the COVID-19 Pandemic

Happy & Healthy Retirement

“Don’t simply retire from something; have something to retire to.” – Harry Emerson Fosdick

I stopped my part-time work and call it a day in March during the COVID-19 pandemic. I was 72 and I decided not to continue working and avoid being infected with the coronavirus.

I still spend time productively even though I have retired.

I usually get up at around 6.00 am. while I am still in bed awaken I perform several stretching exercises such as knee hug, child's pose,  knee raise, and kegel. The first thing I do when I get up is to have a cup of warm water. After that, I tapped the lymphatic points of my body, swing my arms up and down 100 times, and walk on the spot for 100 steps.  The next set of stretching and breathing exercises is done at the car porch. This is to warm up my body before I perform tai chi. The taichi movements take about  15 minutes to perform. I feel calm and fresh upon completion. I wash up and brush my teeth. Next, I go for a walk and jog for 2km for about 30 minutes around the Kemunting field in front of the Indian temple.  I feel good breathing in the fresh air and basking in the morning sun

 Upon reaching home I prepare my own breakfast, I have mee hoon soup with broccoli and minced pork meat and one tomato or Maaggi curry mee mixed with broccoli, one tomato, and minced pork. Sometimes I have poa in the morning. My morning beverage is black coffee without milk or sugar. I love to eat breakfast at one of the hawker centers or coffee shops, However, during this critical period, I eat at home.

 At around 8 am I am ready to start work in front of my PC. I check emails and look for surveys to participate. If there are more surveys to answer it can take up to one or two hours. Answering surveys is a productive way to spend my time and make some pocket money at home. The next task is to review and check my previously written articles using Grammarly It is a fantastic tool to check spelling, grammar, and punctuation. After checking I upload the articles to social media sites such as Facebook, Twitter, and Scoopit

I have a good nap for about an hour in the afternoon from one to two o'clock.  Teatime is around 3 o'clock  I have a pao (a Chinese steamed bun). or wholewheat bread spread with peanut butter. I check emails for more surveys and upload more articles in the late afternoon.

At around 4pmm I do another set of stretching exercises and also push-up to strengthen my body. 

Dinner time is around 6pm. I help in the washing-up after eating

 In the evening this is the only time I watch TV. It is from 8-9 pm watching TV8 news. It is also a time to relax and ready to end a day peacefully. I have a cup of  Oat drink after the news. Reading a chapter or two is my routine before going to bed. I read until my eyes are tied and so it is easy for me to fall asleep.

I try not to go out and I connect with friends and relatives by WhatsApp and  Facetime. The only time to go out is to purchase household items and fresh goods.

I am happy with my life:

It is a healthy lifestyle and a simple life.
I am active daily to keep my body and  brain healthy and fit
I eat nutritiously with more vegetables and fruits and less meat
I sleep well and under no stress
I occupy my time fully and productively by blogging, reading, and answering surveys
I contribute to the world by sharing my articles about life, happiness, and money that are beneficial to everyone on the Net 
I have a pet dog Peanut the Poodle to share my life

If you enjoy reading my articles on my Facebook page please like, share, and join my group.

Monday, October 28, 2019

Ringworm and Treatment


Ten years ago in 2009, I was infected with ringworm. I wrote an article about the effective treatment of fungal infections ( Initially, I used calamine and found the cream infective because it was not the right medication. I then switched to clotrimazole and treated the diseased area of my sole successfully.

Recently I was infected with ringworm again. Immediately, I applied clotrimazole. This time the result was not as good as expected after a few weeks. In desperation, I consulted my family doctor and he prescribed Travocort Cream for me. This medicine contains two active substances, isoconazole nitrate and diflucortolone valerate.

According to information provided this medicine is used to treat fungal infections of the skin where inflammation (redness, swelling, soreness) is also a problem.

Upon my first application, the itch stopped right away. After a few days, it was completely healed.  

Ringworm initially starts out as red or pink skin patches (or spots) that may be either flat or slightly raised. In this initial stage, the sores may be moist, but more often they're dry, scaly, and itchy. If you scratch the rash you may break the skin, which could lead to a bacterial infection.

Have you ever infected with ringworm? How did you deal with it?

Saturday, October 12, 2019

How to Live a Secure and Meaningful Retirement

A secure and meaningful retirement

Retirement is like a long vacation in Las Vegas. The goal is to enjoy it the fullest, but not so fully that you run out of money. Jonathan Clements

I am 71, I am a husband and a father to one son and one daughter. I have a part-time office job in the morning for six days a week. My son is working in Singapore and my daughter in at UTAR studying Economics. The purpose of this article is to share my thinking and the way I live my retirement now.

Retirement should bring happiness and contentment. You should be able to look forward to every new day with excitement. The following vital factors are crucial not only for a secure but meaningful life.

Health is Your Responsibility
Health is wealth. With good health, you enjoy the freedom and live life to the fullest. To maintain a healthy body is not only for your own good but is also a responsibility. Just imagine when you are suffering from a serious illness such as a stroke, who is going to take care of you daily? Your family members of course.  They may not have the time and resources to look after you. When they don’t, you blame them for not being filial. So the point I want to bring out is that life is already stressful for each and every one of us. Do not be a burden to those around they have their life to take care of. You can look after yourself when you are healthy and fit.  

Daily Rituals
Every morning I wake up around six and after drinking a glass of water I do stretching TaiChi and breathing exercise at the car porch. This is my morning rituals. For about twice a week I do weight lifting ( I have a home gym) at home and jog around the field just opposite the Indian temple at Sri Kemuning. The only time I watch TV is the 8TV News at 8pm. in the evening. To get a good night sleep I read a few pages of a book. Reading stimulates your mind and promotes mental health. I borrow books from the nearby state library. In the afternoon, I enjoy a nap from time to time. To occupy my free time I do online surveys ( and earn some pocket money.

In the evening I pen a few lines in my diary to express my gratefulness and appreciation for a great day. On a regular basis, I invite a good friend of mine to a movie and tea. I live life with energy, serenity, peace of mind and focus.

Your house is your castle
Your son’s house is not your house and on;y your house is truly your own. Do not be so naive to sell your house and stay with your son upon request. Your daughter-in-law may not like the idea and if you are unfortunate to get chase out of the house you will be homeless. Your personal home means security, freedom and peace of mind. There again it is assumed that you are in good health and able to take care of your own self.

My part-time job  
A part-time job suits me well. I earn and I keep myself busy for half a day and get connected with the business world It gives me a sense of purpose and usefulness. I used to write one article for one day Now I do it only when I have important messages to share like this article. that you are reading now.

I am not rich but I am debt-free. I hope, God willing, my savings and investment are able to outlive my life and not the other way round. I do keep a sum for emergency purposes because life is full of unexpected happenings and you need to spend money immediately.

Continuous Learning
The world is moving at a rapid pace with technology advancement. I read and learn continuous to update myself. I implement useful technologies such as e-wallet to keep up with the time. It is the best way to stimulate your brain.

Peanut the Poodle
A pet at home is a great companion. Peanut is the greatest source of inspiration, happiness and serenity. He is the best security guard in the world. He will bark loudly at the slightest noise or movement at the gate otherwise he is quiet and peaceful. He greets you warmly every time you come home. My pet has an Instagram account. Please follow Peanut the Poodle at It's good to know that keeping a pet is good for my health too.

A quiet and simple life

Seeking excitement is for the youngsters. As for me, it is a fond memory of the younger days. Now a quiet and simple life suits me fine.


The formula for Happiness:
Health + gratitude+ mindfulness+financial freedom+lifelong learning= Happiness
where Health =1 and the rest are zeros.
When you are not in good health the rest of the things are meaningless to you.

In his book Man’s Search for Meaning, Frankl wrote, “Happiness cannot be pursued, it must ensue. One must have a reason to be happy.”

  • Be healthy and fit
  • Thank gratitude always
  • You may have retired from work but do not retire from living an active and meaningful life.
  • A house of your own
  • Sufficient fund to live and enjoy your retirement

Friday, January 1, 2016

20 Way Quotes To Usher the New Year

 The best way to predict the future is to create it. -Peter Drucker

1. The way of success is the way of continuous pursuit of knowledge.- Napoleon Hill 

2. Problems are the guiding lights along the way of life. - Debasish Mridha

 3. The only way to live is by accepting each minute as an unrepeatable miracle. - Jack Kornfield 

4. Very little is needed to make a happy life; it is all within yourself, in your way of thinking. -Marcus Aurelius 

5. Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it. -Steve Jobs 

6. Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time.-Thomas A. Edison 

7. Some days are just bad days, that's all. You have to experience sadness to know happiness, and I remind myself that not every day is going to be a good day, that's just the way it is! -Dita Von Teese 

8. The only way to have a friend is to be one. -Ralph Waldo Emerson

 9. You're only here for a short visit. Don't hurry, don't worry. And be sure to smell the flowers along the way.-Walter Hagen 

10. One way to get the most out of life is to look upon it as an adventure. -William Feather 

11. The best way to predict the future is to create it. -Peter Drucker 

12. If you change the way you look at things, the things you look at change. -Wayne Dyer

13. Do the thing you fear to do and keep on doing it... that is the quickest and surest way ever yet discovered to conquer fear. --Dale Carnegie  

14. The most beautiful people we have known are those who have known defeat, known suffering, known struggle, known loss, and have found their way out of those depths. -Elisabeth Kubler-Ross 

15. If you cannot do great things, do small things in a great way. -Napoleon Hill 

16. Excellence is to do a common thing in an uncommon way. -Booker T. Washington 

17. Giving opens the way for receiving.-Florence Scovel Shinn 

18. I feel like life is really short, and it's important to enjoy yourself and embrace whatever comes your way, whether it's a challenging day or a great day, just welcome it with open arms. No matter who you are, you can't escape challenges; they are part of life. -Miranda Kerr

19. The most efficient way to live reasonably is every morning to make a plan of one's day and every night to examine the results obtained.-Alexis Carrel 

20. The amount of good luck coming your way depends on your willingness to act.-Barbara Sher

Wednesday, December 30, 2015

5 Words to Live By in 2016 and Beyond

Image result for Kind words can be short and easy to speak, but their echoes are truly endless. ― Mother Teresa

Words are singularly the most powerful force available to humanity. We can choose to use this force constructively with words of encouragement, or destructively using words of despair. Words have energy and power with the ability to help, to heal, to hinder, to hurt, to harm, to humiliate and to humble. -Yehuda Berg 

2015 is coming to an end; you must be thinking of the best way to start the New Year right. Do not be despair; here are 5 simple yet powerful words to bring you meaning, energy, focus and enthusiasm in many ways. However, merely knowing the words are useless, you must make changes in your life to live by these words. Taking action will bring you positive results beyond your imagination. Here are the five wonderful and yet down-to-earth words to bring you success in life: 

1. Grateful: Gratitude is the most important word. Because gratitude is not only the greatest of virtues, but the parent of all others according to Marcus Tullius Cicero. 

To me gratitude is about contentment and appreciation. Always count your blessings and be happy with what you are and what you have. 

Cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continuously. And because all things have contributed to your advancement, you should include all things in your gratitude, says Ralph Waldo Emerson. 

Gratitude can transform common days into thanksgivings, turn routine jobs into joy and change ordinary opportunities into blessings. These are golden words of William Arthur Ward. 

How do you cultivate an attitude of gratitude? This is what I do every night before I go to sleep. I write in my dairy on a few things that I am thankful about. It can simply be good health, good work or just feeling good for another great day. 

2. Calm: With thankfulness and gratefulness, there is no jealousy and hatred in your heart. There is peace of mind because you don’t compare yourself with others, you will just be happy with yourself. 

I get up by six every morning to do Taichi and breathing exercise. Taichi is meditation in motion; I get into a state of calmness to start a new day. 

3. Mindful: When you are grateful and calm, your mind does not wonder about. There is nothing to disturb your peace of mind. You develop mindfulness to live moment to moment. You focus on the task at hand. You do not rush about; you enjoy your work and your leisure time. 

For me mindfulness is paying attention to what you do in the present be it reading, eating, jogging or listening. Because I am grateful and I feel a sense of serenity; I live every day with mindfulness. 

4. Productive: There is enough time for you to do things which you have to do and there is time for you to do what you want to do. This is my interpretation of productivity. 

I set long term goals and I organize my daily activities in advance by way of a to-do-list. I have a daily checklist to monitor my progress so that I am on top of things. I don’t want to remember my work, I just write things down. Your brain is for creative thinking and not for mundane tasks. There is time for me in the evening after work to jog in the open. I am pleased to have dinner regularly with my family in the evening. I am free to watch TV news and read a few pages before I retire to recharge my battery for another brand new day. 

5. Happy: Happiness is what you want the most in your life. I have decided to leave it as the last word for a very good reason. You do not seek happiness directly; it is a by-product of your thinking and what you do in your daily life. When your thinking is positive, you will be happy. Thoughts of gratefulness and appreciation will generate containment and calmness in your life. When you are not disturbed you are at peace with the world. You will live from moment to moment focusing on the task at hand and thinking of nothing else. You are productive. Naturally a feeling of joy and happiness will prevail. 

Last words 

Gratefulness, calmness, mindfulness and productivity are my bywords. I live by these words, happiness comes to me naturally. Take the challenge, incorporate these five words into your life and transform yourself in 2016 and beyond. 

Wish you a happy and a prosperous New Year.

Monday, December 28, 2015

15 Task Quotes To Inspire You and Get Things Done

Image result for It is your attitude at the beginning of a task that determines success or failure.
1. The secret of getting started is breaking your complex overwhelming tasks into small manageable tasks, and starting on the first one. -Mark Twain 

2. I long to accomplish a great and noble task; but my chief duty is to accomplish small tasks as if they were great and noble. Helen Keller 

3. Happiness does not come from doing easy work but from the afterglow of satisfaction that comes after the achievement of a difficult task that demanded our best. -Theodore Isaac Rubin 

4. If you raise your children to feel that they can accomplish any goal or task they decide upon, you will have succeeded as a parent and you will have given your children the greatest of all blessings.-Brian Tracy 

5. It is our attitude at the beginning of a difficult task which, more than anything else, will affect its successful outcome. -William James 

6. Always render more and better service than is expected of you, no matter what your task may be. -Og Mandino 

7. The never-ending task of self improvement. - Ralph Waldo Emerson 

8. The price of success is hard work, dedication to the job at hand, and the determination that whether we win or lose, we have applied the best of ourselves to the task at hand. -Vince Lombardi 

9. Every day, my daddy told me the same thing. 'Once a task is just begun, never leave it till it's done. Be the labour great or small, do it well or not at all.' -Quincy Jones 

10. Having once decided to achieve a certain task, achieve it at all costs of tedium and distaste. The gain in self confidence of having accomplished a tiresome labor is immense. -Arthur Helps 

11. We now accept the fact that learning is a lifelong process of keeping abreast of change. And the most pressing task is to teach people how to learn. -Peter Drucker 

12. Even the mundane task of washing dishes by hand is an example of the small tasks and personal activities that once filled people's daily lives with a sense of achievement. -B. F. Skinner 

13. When you have a great and difficult task, something perhaps almost impossible, if you only work a little at a time, every day a little, suddenly the work will finish itself.-Isak Dinesen 

14. An individual who has in his mind that he can accomplish a certain task is far more likely to succeed than the individual that has it in his mind that he will fail. -  Daniel Willey 

15. Everyday should be a working day on those difficult tasks. A little bit per day is the only way to make it through. Never feel it can't be done; it can be done with persistent actions, repeated input and consistent attendance! - Israelmore Ayivor,

Friday, December 25, 2015

15 Rest Quotes For You to Take a Break

Take A Break

1. He that can take rest is greater than he that can take cities. -Benjamin Franklin 

2. Rest is not idleness, and to lie sometimes on the grass on a summer day listening to the murmur of water, or watching the clouds float across the sky, is hardly a waste of time. -Sir John Lubbock 

3. No rest is worth anything except the rest that is earned. -Jean Paul

 4. Rest is the sweet sauce of labor. -Plutarch 

5. What is without periods of rest will not endure. -Ovid 

6. Sometimes the most urgent and vital thing you can possibly do is take a complete rest. -Ashleigh Brilliant 

7. Rest is a fine medicine. Let your stomachs rest, ye dyspeptics; let your brain rest, you wearied and worried people of business; let your limbs rest, ye children of toil! -Thomas Carlyle 

8. I still need more healthy rest in order to work at my best. My health is the main capital I have and I want to administer it intelligently. -Ernest Hemingway 

9. Sometimes the most important thing in a whole day is the rest we take between two deep breaths, or the turning inwards in prayer for five short minutes. -Etty Hillesum 

10. Rest when you're weary. Refresh and renew yourself, your body, your mind, your spirit. Then get back to work. -Ralph Marston 

11. Work is a blessing. God has so arranged the world that work is necessary, and he gives us hands and strength to do it. The enjoyment of leisure would be nothing if we had only leisure. It is the joy of work well done that enables us to enjoy rest, just as it is the experiences of hunger and thirst that make food and drink such pleasures. -Elisabeth Elliot 

12. The most valuable thing we can do for the psyche, occasionally, is to let it rest, wander, live in the changing light of room, not try to be or do anything whatever. -May Sarton 

13. Don't think of rest as giving in. Rather, consider a nap, or even closing your eyes for five minutes, as something you've worked hard for, something you've earned, like the interest in a bank account. Instead of banishing the nap, try to find ways to comfortable fold it into your life. View the nap as you might perceive vitamins and exercise. Remove words like slothful and lazy from your nap vocabulary. Replace them with declarations like "Naps are good for my soul" and "A little rest will make me feel like a million bucks. -Leslie Levine 

14. Activity and rest are two vital aspects of life. To find a balance in them is a skill in itself. Wisdom is knowing when to have rest, when to have activity, and how much of each to have. Finding them in each other-- activity in rest and rest in activity--is the ultimate freedom. -Sri Sri Ravi Shankar 

15. There is virtue in work and there is virtue in rest. Use both and overlook neither. -Alan Cohen
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