Monday, December 29, 2008
Tuesday, September 30, 2008
For ‘Hari Raya Aidilfitri’ is to foster and renew relationships through forgiveness, I’d like to wish Selamat Hari Raya and Maaf Zahir Batin to all Muslims out there and those non-muslims, Happy Holidays!!! May it be a wonderful one.
Those who are driving back for ‘balik kampung’, please be careful on the road. ‘Ingatlah orang yang tersayang’. There’s no need for a rush.
Everyone is busy preparing food and cookies, clothes, tidying up house, so on so fall. And I’m sure, there’re still those shopping for the last calls. Remember not to buy unnecessary things. We don’t want to turn bankrupt after ‘raya’, alright. We still have to survive and feed ourselves.
While we’re enjoying ourselves spending out, there are those out there begging for others’ sympathy just for the sake of a bowl of rice. So, think of this when you’re wasting your hard earned money!
And I am thinking hard, how on earth am I gonna find money to give away the ‘duit raya’!!!! ‘Coz I’m already bankrupt before the ‘raya’! Huwaaaaaaaa!!!!!!!!
Monday, September 29, 2008
KUALA LUMPUR: This year's Hari Raya Aidilfitri may have to be dubbed "Hard" Raya for many low- and middle-income Muslim families in the country.
Soaring prices have put a damper on festive spirits, as families already girded by tightened financial belts face the prospect of a very lean Aidilfitri.
For the family of Rohaya Mohd Radzi, for instance, this week's celebrations may be remembered for how unexceptional they will be.
For one thing, they will have to learn to go without anything new. Granted, they can't remember the last time they got anything new, but Hari Raya Aidilfitri will simply underscore how difficult things have become for them.
Although the rise in prices hit the family hard, Rohaya said she could still afford the basics, without worrying about what tomorrow would bring. But the situation had since worsened and reduced even that way of life to a bare minimum.
"I can't plan for the household in advance now. We just manage one day at a time," said the 42-year-old wife and mother of three.
Rohaya, who holds the family's purse strings, now has to hold two jobs -- she is a babysitter by day and seamstress by night -- to afford food and other necessities for the family.
But she barely scrapes by: the rent for her flat takes up more than half of her RM700 monthly income. Her 42-year-old husband, Shahwari Md Sharif, has difficulties holding on to a job for long.
"Even when he does bring money home, our combined monthly income has never surpassed RM1,600," she said.
The prevailing high prices have tested her ability to stretch every sen -- from recombining leftovers to sewing Raya clothes for her children herself.
On a recent evening, just 15 minutes before breaking fast, Rohaya went to the kitchen of her family's one-room flat to make lempeng pisang out of some bananas.
"One can't afford to waste at this time," she said.
Carefully pouring cooking oil into the frying pan as if each drop were the last, she heated the oil before putting in the banana dough she had kneaded hours earlier.
"I buy cooking oil in packets now, as I can't afford bottled cooking oil."
Later, her daughter returned home with some kuih-muih from the Ramadan bazaar. Together with the lempeng pisang, the simple meal was to be shared by four.
Occasionally, Rohaya's neighbour, Khatijah Hashim, brings over some leftovers from her food stall for breaking of fast. Khatijah and her husband operate a food stall at the Ramadan bazaar across from their flat.
But Khatijah, too, is facing hard times.
"It can get quite tiresome eating the food you cook and sell every day, so we used to eat out almost every day," said Khatijah's husband, Baharuddin Isa. "But high prices have forced us to buckle down and eat at home," he added.
Khatijah said the price of ikan kembung, for example, had jumped 12 per cent from just two weeks ago, and the cost of other staples such as eggs and cooking oil had also shot up.
In spite of this, the couple has only raised the price of the fish and chicken they sell by a small fraction, deciding to absorb the rising costs of other food items so as not to shock customers.
Nevertheless, their decision to raise prices has had an impact on the number of visitors to their stalls.
Last year, the couple sold four huge tubs of rice by mid-Ramadan, but they've sold only half of that this year, even as Raya looms. This suggests consumers are skimping on rice -- a commodity that has seen a surge in price since the beginning of this year.
"It also suggests to me that consumers are cooking at home," said Khatijah.
Because of the new eating-in trend, the couple, whose monthly household income totals RM4,000, expects profits to dip by 30 per cent from last year.
To compound the bleak outlook for this Raya, fewer people will balik kampung, due to the high price of petrol.
Rohaya's family will not be going back to their hometown in Kampung Gajah, Perak, while to save costs, Khatijah's family will travel back to Kuala Krai by train.
In spite of everything, the families are taking the hardship in their stride. "Even my 10-year-old son understands times are hard," said Rohaya.
Thursday, September 4, 2008
We were discussing about Our Value VS Our Income.
For an executive with a salary of RM 2000 per month.
He works from 9 to 5 p.m, plus extra working hours – let’s say from 5 to 8 p.m if not 11!!! (without extra allowance!!!). That makes his working hours equal to 11 hours…
Meaning → 11 hours x 5.5 days x 4 weeks = 242 hours per month
Meaning → Your Monthly Salary / Your Monthly Working Hours
= RM 2000 / 242 hours
= RM 8.26 / hour
Meaning → Your are paid RM 90.86 / day
Mmmmmm….Is it worth???
Well, if you don’t like what you see, you have to do something about it…NOW!!!!
If You Want Things To Change, You Must Change First!
And It's Better Late Than Never...
Tuesday, August 19, 2008
Let me tell you an interesting story.
Back in the 1800's, in the middle of the gold rush, a man named R.U.
Darby traveled west with his uncle to dig and grow wealthy.
They stopped in Colorado, and Darby's uncle staked a mining claim.
Both men worked tirelessly - from sun up until sun down - using
nothing but picks and shovels.
The work was back-breaking, however both were driven by a burning
desire to strike it rich!
Finally after much toil and struggle, Darby and his uncle discovered
what they had risked everything and traveled thousands of miles for...
Needing heavier machinery to bring the shiny ore to the surface, they
quietly covered up their find and went back home to Williamsburg,
Maryland to tell their family and a few friends what happened.
As you can imagine, everyone was thrilled to hear the news!
They all pitched in to buy the necessary equipment and had it shipped
back to Colorado.
As a result, the work went a lot faster, and their first load of ore
was mined and sent to the smelter - a factory where the metal was melted.
The money made from this confirmed they had stumbled upon one of the
richest gold mines in the state.
Darby and his uncle were overjoyed!
Just a couple more loads like this and they'd be completely out of
debt - scooping up nothing but pure profit.
Then something horrible happened.
The gold just vanished.
GONE. Nowhere to be found!
Both men frantically continued drilling, trying to rediscover the vein
that had supplied them with so much elation and hope.
However, this time their work didn't pay off - the vein had simply
dried up. (So they thought)
Discouraged and bitterly disappointed, they decided to give up and quit.
Before catching the train back home, his uncle sold all the expensive
mining equipment to a "junk man" for only a couple hundred dollars.
This junk man was smart.
He quickly hired an expert - a mining engineer, to find out for sure
if the vein had gone dry.
After some inspection and further calculations, the engineer said the
project had failed because the two men weren't familiar with the
mine's fault lines.
He predicted the vein of gold would be found three feet from where
R.U. Darby and his uncle stopped drilling!
And sure enough, that's exactly where it was discovered once again.
ARE YOU JUST THREE FEET AWAY?
Anyone who sets out to achieve anything worthwhile in life will face
this situation at some point. Unaware of how close they are to success
- most will abandon all hope and quit, right before making it BIG.
Maybe you're at this point RIGHT NOW.
Maybe it seems like this dream of firing your boss, working from home
(or anywhere else you want), and calling your own shots is something
that only works for other people - not you.
Maybe you just lost your top distributor. The one you thought was
going to help fund your retirement.
Maybe the cost of your pay-per-click ads are going up because you're
being outbid by others.
Maybe your website just isn't converting visitors into leads the way
it was four months ago.
Whatever the case, remember this...
500 of the wealthiest people in America told Napoleon Hill (author of
"Think and Grow Rich") their BIGGEST success and achievements in life
came RIGHT AFTER they were completely overwhelmed by failure!
So anytime I experience what appears to be a major setback, or my
goals start to seem out of reach...
I always come back to Napoleon's book and remind myself of this fact:
"Failures" and "setbacks" are not actually failures. They're simply a
necessary step in the process of figuring out what works - and what
Or as ad-writer Ted Nicholas says, "There's no failures. There's only
tests and results."
To Your Success,
P.S. - The "junk man" made millions of dollars not because he kept
digging aimlessly like the Darbys... but because he stopped and got a
different perspective on the situation by seeking the advice of an
Are you digging aimlessly in your business?
Wednesday, August 13, 2008
Your Dream Career Begins Here
Wish to have an unlimited income? Travel all over the world for free? Gain professional qualifications? Be your own boss? Known to others for great achievement and performance? PASSIVE INCOME?
• The potential of the Takaful market
• Takaful Consultant as a career
• The income you can expect to earn
• Becoming a successful agent
• Rewards and recognition
• MAA Takaful’s commitment to your success
What You Can Look Forward To A Career in MAA Takaful :
We will lead you to becoming your own boss and opportunities to actually practice good values in your career. In MAA Takaful, you will be recognized, rewarded and achieve self satisfaction. Your commitment in providing financial advice and security will help our clients find comfort in the event of misfortunes. ALL IT TAKES IS FOR YOU TO TAKE THE FIRST STEP.
Becoming a Consultant of MAA TAKAFUL BHD
"Help one another in righteousness and piety but help not one another in sin and rancour. Fear God for God is strict in punishment"
(Al Ma idah 2)
Praise be to Allah, by His Grace, provided us this opportunity to serve Him. The Holy Prophet was reported to have said " A trustworthy, honest and truthful businessman will rise up with the martyrs on the day of resurrection" (reported by Ibn Majah)
- Full Time or Part Time
- Minimum 18 years of age
- Passed MII PCE and CEILLI (if required) / Related courses recognize by MAA Takaful Bhd
- Passed Takaful Basic Examination (TBE)*
- Minimum Academic Level : SPM
- Career Path
- To register and sit for the examinations, please send your resume through email.
*No TBE required if you register before 31st August 2008.
Important Details Needed:
Highest Education Level
Experience in Takaful or Conventional Insurance:
Do you have MII PCE Certificate? Yes / No
ANDA BOLEH MENGHANTAR BUTIRAN DALAM BAHASA MELAYU. ANDA HANYA PERLU "COPY" & "PASTE" PADA RUANG e-MAIL ANDA. KEMUDIAN ISIKAN SEGALA BUTIRAN. ANDA AKAN DIHUBUNGI UNTUK TINDAKAN LANJUT.
For further details or other enquiries,call:
NUR FADHLINA ISMAIL
Bored of everyday routines?
Low salaries compared to your friends in other companies (especially those who used to 'reseat' the papers that you scored A!!! OR got kicked out of the university!!!)
Still renting the house you're living in?
Living paycheck to paycheck?
A lot of unpaid debts especially on credit cards?
Well, maybe you need a career change NOW!
Please go here :
I found it interesting, don't you?
Feel free to share your career experience...
Tuesday, August 12, 2008
Simple ways to cut your transportation expenses
by Azizi Ali
Service the car regularly
Make it a point to send the car for service regularly. While you may think it is expensive, it is actually cheaper to do so in the long run. Firstly, your car will burn less fuel. A badly tuned engine will burn more fuel than one that is well maintained. This will cost you money. Next, you reduce the chances of the car breaking down while driving. I don't know about you but the thought of the car breaking down in the middle of the night in a dark deserted road just about kills me. Thirdly, you also reduce the chances of being involved in an accident due to poor maintenance.
And if you still think servicing the car is still expensive, try having an accident.
You will also reduce the fuel burn by driving slower. If you are used to driving at 110 km/hr, you will save some 20 percent of fuel just by slowing down to 80 km/hr. That means the fuel will last longer and you will refill less often. End result - you save money.
Do not carry unnecessary cargo
Obviously, the heavier the car, the more fuel will be needed to move the car. Carrying unnecessary cargo therefore will just cost you money. So, remove all items that do not belong in the car and keep them where it does not cost you money. The store room should be about right.
Ensure correct wheel pressure
Under inflated tyres can increase the fuel consumption by 10 percent or more. They also wear out more quickly and are more dangerous in emergency situations. So always ensure that your tyres are having the correct pressure by checking them weekly.
Always check the map before driving to a new destination
Always, always check the map before driving to any new destination or any place that you are unsure of. What you want to do is to get to your destination the most straight forward way, if not the quickest. This way, you avoid getting lost and driving around in circles. Because if you do get lost, driving around town in circles will just cost you money. Not to mention of the irritation and rising temperatures.
Car pooling will not reduce your fuel bill directly. But it will more than subsidize the cost. If you take in more than one passenger, you may even make money in the process! This is not counting the fun of having company to entertain you yet.
Shutdown the engine when not moving
Do not start the engine until you are ready to move. Further, do not leave the engine running when the car is not moving or when you are waiting for someone.
Use the public transport
And finally, to save even more, you can always take the public transport. Especially when going to a spot well known for traffic jams - Jalan Sultan Ismail for example - take the LRT instead. You'll arrive there faster, fresher and less hassled. Way to go, kiddo.
Copyright © 2008 by Azizi Ali
All Rights Reserved
HELLO everybody out there...
It's been so long since I last blogged...mmmm...bukan per...busy sgt dgn macam-macam benda...and you know what...I ended up doing nothing...hampeh...
Anyway, last night was fun! Macam biase, every Monday night, 8.30 pm we'll be having our "insurance class". Memang pening bila part kena study pasal product. But semalam Abg Napi ajar kitorang ASSET ALLOCATION & PROFIT LOCKING..Style die lain than before…
We were separated into 3 groups of 3…Each group dpt 20 btg straw. 1 straw = RM1,000. Meaning, each group dpt capital for the investment RM20,000. Investment runs for 20 years. Before start menatang investment tu everyone involved kena donate RM10. Sbb pastu, group yg menang tu dpt la RM90 yg dah kumpul tu. And, the happy ending story was my group WON!!!! Suke giler kitorang….yang mana, after 20 yrs, we managed to generate RM 20K to RM 36K…..Congrats Asan and Intan… Our superb “Fund Managers”… Tanpa korang yg otak geliga ni, we won’t win last night. Kite berjaya menewaskan Group “Tok Bomoh” and “Arnab Yang Sombong”…..Wakaka….If only RM36,000 tu mmg real...pergh!!!
By the way, kalau client punya investment korang buat camni, mmg client tu tak kena hijack ngan org lain….
Err…till then, see you all next week di hari dan waktu yang sama…to those yg dah byk hari ponteng kelas tu jgn lupa bayar fines!!!!
Friday, March 7, 2008
To those of you out there, err... those eligible to vote (registered), please exercise your right wisely...
And also, please have a safe journey!!! The nation needs you BUT your family need you most...
I found this article last month but I guess it's never too late to post it here today.
I hope this help in ur daily spending...
SPEND WISELY TO STRETCH YOUR RINGGIT (NST : 16/2/08)
WE have been discussing saving and controlling our spending the past few weeks. Since we're still in a festive mood and having to spend is inevitable in times like these, let's learn how to spend wisely instead.
Generally, there are two kinds of spenders -- the Impulsive Spender and the Decisive Spender.
An impulsive spender is a person who spends under the influence of his/her emotions while a decisive spender would have thought through carefully on what he/she would need to spend on.
All of us have these two traits in us but one would normally be more dominant than the other. To spend wisely, we'll need to bring up the decisive spender in us and one of the ways is to simply make a list.
From pure observation, we don't find many people holding on to that little piece of paper while pushing their cart. They must either have very good memory or they just buy whatever catches their eyes and moves their hearts.
We're not saying that you should be putting on the spending brakes most of the time, but spend responsibly and wisely.
The next time you intend to head towards the hypermarket or shopping centres, sit down with your family members and pass the list round the table. Ask each one to list down what they intend to buy and the one who's forking out the money would have the last say. Use your judgment on what to approve and what to disallow but bear in mind that children (adults, too) need a little treat once in a while.
After making the list, check your Price Book (remember we talked about this some weeks back) for the items listed therein.
Write the price down by the side of each item and the place offering it and finally, tally the total amount. Compare it with your monthly/weekly shopping budget to see if it is within your budget.
If it is, let's get going. If not, you'll just have to prioritise your needs and somebody will not be too happy as his/her items may have to be struck off.
If you still don't have a Price Book, perhaps it's time you started compiling one. As we all know, inflation is on the rise and prices of goods and services will only go up.
Develop your own Price Book so that you will be able to know where to get the best deals for all those essential items that you buy regularly.
We're not suggesting that you go to Hypermarket A to get a tube of toothpaste and hop over to Supermarket B to get your fresh vegetables. Look at your pre-planned shopping list, check the prices and see where you can get most of the items at the best prices.
Time your purchase
Plan your shopping trips in advance so that you don't have to drive down to the supermarket just to buy a tray of eggs and later, to the hypermarket to get a pack of toilet rolls. Our cars don't run on air.
The whole point is to optimise the use of our resources, including our precious time and try not to waste anything, if possible.
In addition, try not to shop during festive periods unless the bargain is too good to be missed.
Normally, prices of essential items would escalate due to the surge in demand and over-profiteering from unscrupulous traders.
Shop and store such essential items in advance wherever possible so that we will not be caught in the last minute shopping frenzy.
Buy in bulk
Nope, we're not suggesting that you open a retail shop yourself by buying in bulk but for your personal consumption.
There are two distinct advantages of buying in bulk. Firstly, the prices of such goods should be relatively cheaper as there is what economist would call "economies of scale."
Secondly, by buying in bulk, your bargaining power should be greater and thus, you may be able to bargain for a better price.
We understand that not all things can be bought in such a way (can you imagine buying cars in bulk?) but generally, toiletries and other non-perishable items are ideal.
There may be few places which sell in bulk too and sometimes, you'd have to trace the source, that is, go direct to the wholesalers.
It may be a good idea to ask your friends and neighbours to pool your purchases together. If that's too cumbersome, then you'll just have to wait for warehouse or stock clearance sales, but watch out for the expiry date on the items.
You may also want to start shopping for your Christmas or birthday gifts during these warehouse sales. It's really never too early to stock-up.
In conclusion, try as far as possible to inculcate the habit of shopping with a list and stick to it.
Develop your very own Price Book so that you may check and compare prices before you purchase anything.
When you shop and how you shop will also determine how far you can stretch your ringgit.
Wednesday, January 9, 2008
Untuk Muslimin dan Muslimat Yang Di Rahmati Allah...
Sempena menyambut Tahun Baru Maal Hijrah pada 10 Januari 2008 ni, aku nak share sket benda yang aku dapat from email :
MUHARAM adalah bulan pertama dalam tahun Islam (Hijrah). Sebelum Rasulullah berhijrah dari Makkah ke Yathrib, kiraan bulan dibuat mengikut tahun Masihi. Hijrah Rasulullah memberi kesan besar kepada Islam sama ada dari sudut dakwah Rasulullah, ukhuwwah dan syiar Islam itu sendiri.Pada asasnya, Muharam membawa maksud 'diharamkan' atau 'dipantang', iaitu Allah SWT melarang melakukan peperangan atau pertumpahan darah. Namun demikian larangan ini ditamatkan setelah pembukaan Makkah (Al Baqarah: 91). Sejak pemansuhan itu, umat Islam boleh melaksanakan tugas dan ibadat harian tanpa terikat lagi dengan larangan berkenaan..
1 Muharam - Khalifah Umar Al-Khattab mula membuat penetapan kiraan bulan dalam Hijrah.
10 Muharam - Dinamakan juga hari 'Asyura'. Pada hari itu banyak terjadi peristiwa penting yang mencerminkan kegemilangan bagi perjuangan yang gigih dan tabah bagi menegakkan keadilah dan kebenaran.
Pada 10 Muharam juga telah berlaku:
Nabi Adam bertaubat kepada Allah.
Nabi Idris diangkat oleh Allah ke langit.
Nabi Nuh diselamatkan Allah keluar dari perahunya sesudah bumi ditenggelamkan selama enam bulan.
Nabi Ibrahim diselamatkan Allah dari pembakaran Raja Namrud.
Allah menurunkan kitab Taurat kepada Nabi Musa.
Nabi Yusuf dibebaskan dari penjara.
Penglihatan Nabi Yaakob yang kabur dipulihkkan Allah.
Ayub dipulihkan Allah dari penyakit kulit yang dideritainya.
Nabi Yunus selamat keluar dari perut ikan paus setelah berada di dalamnya selama 40 hari 40 malam.
Laut Merah terbelah dua untuk menyelamatkan Nabi Musa dan pengikutnya dari tentera Firaun.
Kesalahan Nabi Daud diampuni Allah.
Nabi Sulaiman dikurniakan Allah kerajaan yang besar.
Hari pertama Allah menciptakan alam.
Hari Pertama Allah menurunkan rahmat.
Hari pertama Allah menurunkan hujan.
Allah menjadikan 'Arasy.
Allah menjadikan Luh Mahfuz.
Allah menjadikan alam.
Allah menjadikan Malaikat Jibril.
Nabi Isa diangkat ke langit.
Jgn lupa baca Doa akhir tahun lepas Asar, Doa awal tahun lepas Maghrib!Insya Allah! Semoga diteguhkan iman, dipanjangkan usia dan dirahmati sepanjang masa. AMIN
DOA AKHIR TAHUN HIJRAH
Doa Akhir Tahun dibaca 3 kali pada akhir waktu Asar atau sebelum masuk waktu Maghrib pada akhir bulan Zulhijjah. Sesiapa yang membaca doa ini, Syaitan berkata:
"Kesusahan bagiku dan sia-sia lah pekerjaanku menggoda anak Adam pada setahun ini dan Allah binasakan aku satu saat jua. Dengan sebab membaca doa ini, Allah ampunkan dosanya setahun
DOA AWAL TAHUN
Doa Awal Tahun dibaca 3 kali selepas maghrib pada malam satu Muharram. Sesiapa yang membaca doa ini, Syaitan berkata :
"Telah amanlah anak Adam ini daripada godaan pada tahun ini kerana Allah telah mewakilkan dua Malaikat memeliharanya daripada fitnah Syaitan".
Akhir kata, Selamat Menyambut Maal Hijrah!!!
Thursday, January 3, 2008
I'm a newcomer kat sini....tak pernah nulih blog pun before this...ni lah baru nak berjinak-jinak...maklum la...new year...new goals...new effort...
So...hari ni masuk hari ke-4 for the year 2008...I'm sure that each and everyone of you ada goals atau matlamat yg ingin dicapai pd thn 2008 ni...
Goals! What do YOU want to achieve in 2008? Do you want to make more money, improve your relationships, achieve greater health and energy, and obtain financial independence?
Do you mind if we share your goals and what is your planning pertaining to achieve 'em?
Well, selamat berkenalan and feel free to write...