關於 state and national parks ，我們在網路上蒐集到這些相關的討論、資訊與評價

迷上登山之前，我曾因公出差到美國加州舊金山南方的聖荷西（San Jose），任務是跨時區和亞洲同事合作維護機房的設備。

深夜時分，我一如往常推開休息室的門，卻意外碰上一位中年老外。由於深夜的休息室通常都是空空如也（除了我之外），我們兩個帶著詫異的目光互望了幾秒鐘。

.

寒暄一陣子後，他得知我來自太平洋彼端的台灣，我得知他來自東岸的北卡羅萊納州，但令我意外的是他對北卡大學沒什麼興趣（籃球之神喬丹肄業於此），反倒是因為曾在Google上搜到台灣群山林立，覺得我一定喜歡登山，竟聊起他小時候常去的大煙山國家公園（Great Smoky Mountains National Park），和搬來西岸之後帶孩子去的優勝美地（Yosemite）和紅木國家公園（The Redwood National and State Parks）。

聽他如數家珍地說爬了什麼山、風景如何、紅木最大的有多高、優勝美地前陣子摔死了某位攀岩高手云云，我卻絲毫接不上話，一來英文口說不是非常流利，二來我當時的登山經驗也僅限於小時候父親帶我去的陽明山，基本上只是走到觀景台然後回家，沒有太深的印象。所以當他問我台灣是不是有很多「3000ers」（超過3000公尺以上的山）、山上有什麼有趣的東西、風景優不優美，我只能說我都沒去過。

對於沒去爬山這檔子事，我倒不覺得有什麼大不了，個人興趣罷了。但令我記憶猶新的一點是：從他的語氣之中，能感受到他很喜愛這些地方的自然風光和生態，甚至是引以為傲到了忍不住向陌生人推銷的地步。這不禁使我開始思考，台灣山這麼多，我是不是認識得太少了？

（摘自專欄文章開頭處）

#登一座人文的山

⛰🌊🧳 Are you planning to visit the "Land Below The Wind" (Sabah)?
▫️▫️▫️▫️▫️
This is our travel guide for Kota Kinabalu! 👇
https://www.penangfoodforthought.com/2018/12/kota-kinabalu.html
▫️▫️▫️▫️▫️
Here are some fun facts about Kota Kinabalu:
⛰ The city is named after Mount Kinabalu, which is around 55 kilometers away and can be seen on a clear day.
🔥 Kota Kinabalu was called Api Api in the past. It is unknown why exactly, but the Chinese still fondly call the city "Api" (亚庇).
💥 Although the British first settled here in 1882, Kota Kinabalu (then called Jesselton) was mostly destroyed by bombs during World War II. Atkinson Clock Tower is one of the few buildings that survived the war.
🏞 There is a very narrow strip of land between the hills and the sea. So most of downtown Kota Kinabalu is built on reclaimed land.
🇲🇾 Kota Kinabalu is one of the most ethnically diverse cities in Malaysia. No ethnic group exceeds 25% of the total population.
▫️▫️▫️▫️▫️
Major tourist attractions:
📸 Gaya Street
📸 Atkinson Memorial Clock Tower
📸 Signal Hill Observatory Tower
📸 Fish market & handicraft market
📸 Marlin statue & "I Love KK" sign
📸 Tanjung Aru beach
📸 Mari Mari Cultural Village ⭐️
📸 Tunku Abdul Rahman National Park
📸 Mount Kinabalu ⭐️

Dining:
🍴 怡丰茶室 Kedai Kopi Yee Fung
🍴 D'Place Kinabalu ⭐️
🍴 Todak waterfront ⭐️
🍴 Kedai Kopi Wan Wan
🍴 Fatt Kee Seafood Restaurant
🍴 89Station.Kundasang, Sabah 89レストラン ⭐️

Accommodation:
🛎 Shangri-La’s Rasa Ria Resort & Spa ⭐️

Car rental:
🚘 Mayflower Car Rental Sabah

📨 Please stay tuned to Penang Food For Thought for more foodie updates!

⚠️ Please let us know if there are any mistakes or omissions.
▫️▫️▫️▫️▫️
Avangio Hotel Kota Kinabalu Strawberry Garden Hotel Bumblebee Kota Kinabalu Sabah homestay CJ & AC Residence DESA Dairy Farm, Sabah Hin Loi Guesthouse Hyatt Regency Kinabalu Ibis Styles Kota Kinabalu Inanam ITCC Homestay Lavin's Homestay Mount Kinabalu Nexus Resort & Spa Karambunai The Palace Hotel Kota Kinabalu SABAH, Malaysian Borneo Sabah Tea Sento Hotel Keningau Sunset Seaview Vacation Condos Sutera Harbour Resort Switz Paradise Hotel Accord Regency Borneo Coastal Residence at IMAGO Mall Chaya Hotel Kota Kinabalu Hotel Deleeton Flypod Restaurant Gayana Marine Resort Halo Hostel, Homestay Kota Kinabalu Hotel Sixty3 Ho Yuan Restaurant 河源茶室 Kota Kinabalu Marriott Hotel Laxzone Suite Mari Mari Sepanggar Island Nusantara Mattwaddien Management Services. Raia Hotel Kota Kinabalu Sabah Oriental Hotel Kota Kinabalu Sabah Parks Hotel Shangri-La Kota Kinabalu Stanton Hotel Sutera Sanctuary Lodges Tip of Borneo Resort #KotaKinabalu #Kinabalu #哥打京那巴鲁 #ApiApi #亚庇 #Jesselton #Sabah #Holiday #Vacation #MalaysiaStaycation #Staycation #TravelGuide #VisitKK #VisitSabah #TravelKK #TravelSabah #Wanderlust #Foodveler #PenangFoodForThought #VisitMalaysia2020 #VisitMalaysia #VM2020

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

Beijing (formerly romanised as Peking) is the capital of the People's Republic of China and the world's third most populous city proper. It is also one of the world's most populous capital cities. The city, located in northern China, is governed as a direct-controlled municipality under the national government with 16 urban, suburban, and rural districts. Beijing Municipality is surrounded by Hebei Province with the exception of neighbouring Tianjin Municipality to the southeast; together the three divisions form the Jingjinji metropolitan region and the national capital region of China.

A city combining both modern and traditional architecture, Beijing is an ever-changing megacity rich in history but also truly modern, exemplified in its extraordinary global influence in politics, business & economy, education, history, culture, language, music, sporting, architecture, civilization, fashion, art, entertainment, innovation and technology. Beijing is the second largest Chinese city by urban population after Shanghai and is the nation's political, cultural, and educational centre. It is home to the headquarters of most of China's largest state-owned companies, and is a major hub for the national highway, expressway, railway, and high-speed rail networks. The Beijing Capital International Airport has been the second busiest in the world by passenger traffic since 2010, and, as of 2016, the city's subway network is the busiest and second longest in the world, after Shanghai's subway system.

The city's history dates back three millennia. As the last of the Four Great Ancient Capitals of China, Beijing has been the political centre of the country for much of the past eight centuries. With mountains surrounding the inland city on three sides, in addition to the old inner and outer city walls, Beijing was strategically poised and developed to be the residence of the emperor and thus was the perfect location for the imperial capital. Beijing was the largest city in the world by population for much of the second millennium A.D. The city is renowned for its opulent palaces, temples, parks, gardens, tombs, walls and gates, and its art treasures and universities have made it a centre of culture and art in China. Encyclopædia Britannica notes that "few cities in the world have served for so long as the political headquarters and cultural centre of an area as immense as China." Beijing has seven UNESCO World Heritage Sites – the Forbidden City, Temple of Heaven, Summer Palace, Ming Tombs, Zhoukoudian, as well as parts of the Great Wall and the Grand Canal, all popular locations for tourism. siheyuans, the city's traditional housing style, and hutongs, the narrow alleys between siheyuans, are common in urban Beijing and are also major tourist attractions. The city hosted the 2008 Summer Olympics and was chosen to host the 2022 Winter Olympics, which will make it the first city to ever host both events.

Many of Beijing's 91 universities consistently rank among the best in China, of which Peking University and Tsinghua University are ranked in the top 60 universities in the world. In 2015, 52 companies of the Fortune Global 500 company headquarters were located in Beijing, more than any other city in the world, including state-owned enterprises State Grid, China National Petroleum, and Sinopec Group, ranked 2nd, 3rd, and 4th, respectively. Beijing CBD is quickly becoming the center for Beijing's economic expansion, rapid modernization, and radically changing skyline, with the ongoing or recently completed construction of multiple skyscrapers. Beijing's Zhongguancun area is also known as China's Silicon Valley, China's center of innovation and technology entrepreneurship. According to the 2016 InterNations Expat Insider Survey, Beijing ranked first in Asia in the subcategory "Personal Finance Index," a measure of expats' salaries versus cost of living in the city. Expats live primarily in the east, in urban districts such as Dongcheng and Chaoyang, or in suburban districts such as Shunyi.

Let's take a proper look at Beijing, the Capital city of China...

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