Are YOU happy with your job now?
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 :
http://careerplanning.about.com/od/careerchoicechan/u/
career_change.htm
I found it interesting, don't you?
Feel free to share your career experience...
Wednesday, August 13, 2008
Tuesday, August 12, 2008
Simple Ways To Cut Your Transportation Expenses
Due to fuel price hike recently, I think this article is a good sharing...
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.
Drive slower
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 pool
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
Long Time No Hear!!!
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
Election 2008
Tomorrow, 8 March 2008, is our Election Day. Thousands are returning home to vote...
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...
Happy voting...
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...
Happy voting...
Spend Wisely to Stretch Your Ringgit
Dear friends,
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.
Make a list
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.
How many of us have a shopping list whenever we go shopping, either for our weekly groceries or once-a-year festival shopping?
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.
Check prices
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.
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.
Check prices
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
Salam Maal Hijrah 1429H
Assalamualaikum wbth...
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..
Peristiwa-peristiwa penting:
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!!!
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..
Peristiwa-peristiwa penting:
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
Selamat Berkenalan...
Assalamualaikum n salam sejahtera semua...
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...
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...
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