Saturday, 30 April 2011

1 Hari 1 Malam : Cameron Highlands

1st pit stop @ Lata Iskandar



Tea Break @ Bharat Plantations



Superb view from the tea shop




Partner in crime reporting to her hubby



KHM Strawberry Farm @ Taman Sedia



So small, tak jadi beli kat KHM



Bharat Plantations



Carrot cakes and strawberry milkshake



Auntie Maryam the homestay owner



Strawberries @ Kea Farm- 2 packs for RM 25




Aiskrim Malaysia made from fresh strawberries



Roses in my room, 3 colors



After stuffing our stomach with meatballs, we went jalan2 around IKEA. Then we decided to climb up the hill-to Cameron. Sehelai sepinggang terus pandu saja. Sampai atas try nak check in kat Tanah Rata. Last2 contact member mama dan check in kat Puncak Arabella. So kind of Auntie Maryam giving us a complimentary stay at her homestay, siap blanje breakfast lagi esoknya huhuhu. We managed to visit a few places, yeah..a short trip after all. Sesape nak gi Cameron boleh la sewa homestay Auntie Maryam ni. Apartment 3 bilik, 2 bathrooms lengkap mcm rumahtangga, nak masak pon boleh. Ade 3 katil queen dan 1 katil single. Would nicely accommodate max 7 adults and 4 children for RM 250 per night. Or if you just need to occupy 1 room the rate will be RM 120 per night. This is not a paid advert. Thank you.

Friday, 29 April 2011

Finished em all, exam is over!

10 biji meatballs

1 muffin, 1 daim

Ni Naser punya

Naser the inspektor sahab

Tila and me

Finally....aku berjaya mengharungi kesebelasan subjek itu...berjayalah sangat..tunggu je la result nanti yer huhuhu...dari INTEC Shah Alam kami pegi Ikea sebab nak lepas geram makan meatball..rasa lega sangat exam dah abis..I need an escapade to somewhere..chill bebeh!

Monday, 25 April 2011

So what do you think about my new image? :p

-Purple Arzu Shawl by Niza Collection
-Foundation by Elianto
-Two way cake by ZA
-Eyeliner by Body Shop
-Eye shadow by Body Shop
-Eyebrow brush by Body Shop
-Mascara by Body Shop
-Blusher by Elianto
-Lipgloss by Maybelline
-Lipstick by MAC
-Lipliner by Body Shop

Saturday, 23 April 2011

It's getting tougher on the second week

4 days back to back..3 of them involved calculation..

Business Statistics



I nearly drop this subject during intensive course because I was not confident at all at that time. Luckily I scored A- for mid term exam. The carry mark also quite good- 31/40. Anyway most of the final questions focusing on hypothesis, one tail test, two tail test, table t and z. I hope the result will turn out just fine.

Psychology
I thought this subject is as easy as ABC. Yes it is. But with not enough preparation, unfinished revision with so many topics to cover..resulting myself cracking head to answer those essay q's. How to measure intelligence- How to measure sense and perception-Dysfunction Participants-6 stages of moral reasoning by Lawrence Kohlberg-Conflicts-Theory Thorndike-I dunno what to say..

Financial Accounting
This is the killer subject..but finally it turned just OK..I answered all of the 4 question with no major difficulties and went out from the exam hall smiling ear to ear.

Microeconomics
We got our mid term grade 1 day before final exam. Jumping up and down for the A- and playing around with so many topics left untouched. Serves me right because the q's were damn tough! Arghhh!!

Anyway anyhow..just 3 more papers to go and all of them are MCQ. Sendri mau ingatlah!

Sunday, 17 April 2011

Survived the first week

Went through the first 4 papers.

Management-most of us had the problem to answer question 1 which was soalan wajib. Kluar soklan kene lukis rajah grid pengurusan yang memang Dr. Nasina tak pnah highlite dalam kuliah. Million thanks to Kak Niza yang revise sekali lalu dalam keta sambil aku drive dari Gombak to Shah Alam. pasal rajah hierarki Maslow, 5 steps to avoid conflicts..soklan bab komunikasi ngan perancangan boleh la jawab ala2 ingat tak ingat..harap2 OK la

Bahasa Melayu IV- bagi aku yang ni kacang la tapi takmau over confident sgt psl dah tinggal lama..tapi soklan mintak 600 words aku lajak smp 660 huhuhu-soklan betulkan ayat ada 10..soklan esei aku pilih pasal -Kenaikan kos sara hidup dan keperluan harian. Bincangkan cara mengatasinya..ha camtulah huhu


Business Law- yang ni antara paper yang aku risau sebab takda cara lain kena menghafal akta, seksyen dan kes. Tapi alhamdulillah 5 soklan yang kuar di mana semua wajib jawab..abis la aku goreng haha..keupayaan berkontrak dari segi umur dewasa-pengecualian untuk berkontak bagi individu yg blum capai umur dewasa-beza perundangan sivil ngan common law-doctrine of judicial precedent-perjanjian domestik-S.22 Akta Jualan Barangan 1957, hakmilik barangan khusus(yang ni aku tibai kes sampai merapu ahahaha..ada plak lada hitam kena kebas..adoiii..)

Business Comm-Boleh tahan la jugak..soklan betulkan dan construct memo ok-utilitarianism aku tak tau-moral ethics ngan justice bedal-soklan pasal ethics org bocor rahsia buyouts tu ok-8 ways to manage dysfunction participants seb baik terbaca-last skali pasal conflict response patterns aku byk tak ingat so aku masuk yg fakta subjek mgmt..tolong la ok subjek ni 4 cdt hours huhuhu


4 done, 7 to go..weekend ni pon ke hulu ke hilir pi study group. Dari National Library ke Saujana Impian. Langsung ke Cheras dan Sri Rampai. Esok sambung ke Saujana Impian balik. Letihnya ya ampun Dia saja yg tau. Tapi sabar je la kan..sabar tu kan manis akhirnya..by peeps!

Monday, 11 April 2011

Ganbatte Kudasai!!

Exam starts tomorrow. Have you ever heard that any part time student taking 11 subjects at one time?

  • Introduction To Management

  • Bahasa Malaysia IV

  • Business Law

  • Business Communication

  • Business Statistics

  • Introduction To Managerial Psychology

  • Principle Of Financial Accounting

  • Microeconomics

  • Ethnics Relations

  • Islamic and Asian Civilisations

  • Distance Education And Computer Literacy

PITAM!!

Sunday, 10 April 2011

Wedding Izyan & Husni

Semua sporting pakai pink ikut tema huhuhu..mekacih kat Kecik sbb sudi ambik mak datin kat Sri Gombak dan trus bawa ke Bukit Damansara tu..I like anak ikan ade Honda Jazz u..kellass!!



Tapi kan Yan..bekas madu tu lain macam skit..nak kata macam tabung uji pon ade..jangan ada yang salahguna udah la yer...huhuhuh


Saturday, 9 April 2011

MIHAS @ KLCC, 6-9 April 2011

I didn't capture any single photo during the events due to some sensitive reasons. My duty was mainly at the exhibition hall number 4. Everyday, later in the evening I have to key in the sales data into the system at main sec room. Normally I finished sending daily report by 7 pm. Then only I managed to do some revision for my exam. So little time left, so many things to do. Take it easy and just relax huhuhuhu..mati la aku!!!

Tuesday, 5 April 2011

Leaf @ Solaris

Ni sayur-sayuran dan manisan (satu set dgn nasi RM 5.50)

Nasi atas daun pisang


Partner dengan kambing (Kambing RM 6.00)


Alang2 survey bank kat Solaris iaitu CIMB Bank, Maybank, Public Bank & AmBank, aku mencelah di kedai Leaf makan nasi atas daun pisang...aroma harum daun itu ditambah kelazatan masakan South Indian memang mengasyikkan. Salam 1 Malaysia.

Monday, 4 April 2011

UPDATES ON LOAN



  • I've got some feedback from a few of banks.


  • OK let me share with all of you.


  • Current BLR is 6.3


  • RHB Islamic: BLR - 1=5.3 Ceiling rate 10.25


  • Maybank Islamic: BLR + 0 =6.3 Ceiling rate 10.3


  • Public Islamic: BLR - 1.3=5.0 Ceiling rate 12.3


  • BSN Fixed Rate 3.25 (1st 3 yrs) 5.00(4th&5th yr) 6.00(6th until final yr)




  • Today I sent an online enquiry to Bank Rakyat. Will do the same to Bank Islam. I think I would prefer the fixed rate, what do you think?








  • Some more updates 0n 05042011








  • Bank Islam: BLR-1.5=4.8 Ceiling Rate 10.75


  • Ambank: BLR - 1.8=4.5 Ceiling Rate 11.00


  • CIMB BLR(6.35 - 1.7) =4.65 Ceiling Rate 10.25

Sunday, 3 April 2011

GUIDE TO HOME LOAN: A guide to some of the costs involved in buying a house

If you are buying a house for the first time, the whole process of signing the Sale and Purchase agreement, dealing with solicitors, legal fees and stamp duty can be confusing. Here is a guide to some of the costs involved in buying a home.


How much can you afford?


A good rule of thumb to follow is that your monthly loan installments and current commitments (e.g. car loan, personal loan) should not exceed one-third of your monthly salary. Those who over-commit themselves financially may have difficulty making payments when emergencies crop up or if interest rates rise.


Fixed or conventional rates?


A fixed interest rate home loan promises fixed instalments throughout the loan tenure. It offers stability against fluctuating financing costs and ease of planning your monthly financial commitments.


A conventional loan with variable interest rates may suit those who want to take advantage of features such as overdraft facilities and so on.


Down payment


Generally, you will have to pay a booking or earnest fee of 2%-3% of the purchase price. This is non-refundable, so decide carefully before paying.


The bank usually finances up to 90% of the price of the property. You must have at least 10% in cash for the down payment. Also, don't forget that you can withdraw a limited amount from your EPF (Account 2) for your down payment.


Sale and Purchase agreement


Upon signing the Sale and Purchase agreement, you pay another 7%-8% of the purchase price, bringing the total down payment to 10% of the purchase price. After that, you usually have 3 months to pay up the balance or secure financing and a 1-month extension which is subject to 10% per annum interest on the balance due.


If you are buying a property under construction, the developer generally appoints a lawyer to draw up the Sale and Purchase agreement. The bank will deal with the developer to make progressive payments on your behalf.


If you are buying a completed property, you need to engage a lawyer to advise and act on your behalf when signing the Sale and Purchase Agreement and making payments, until the transaction is completed.


Insurance


As a home buyer, you will have to purchase Mortgage Reducing Term Assurance or MRTA, which ensures your home will be paid for in full should anything happen to you. The one-off premium payment is generally computed on the age of the borrower(s), loan amount, tenure and interest rate. It can be paid in cash up front or included in your loan to minimise the initial cash outlay required.


Additionally, a Fire/House Owners Insurance policy is compulsory to protect your property against damage. Should a mishap occur, your insurance payments may be used to minimise losses. The premium is payable annually.


Stamp duty and legal fees


Stamp duties and legal fees will need to be paid for your Sale and Purchase Agreement and Loan Agreement.


Monthly instalments


To avoid late payment charges, it is best to pay your home loan on time. If you miss several payments, you risk losing your home.


Other costs


Owning a place you can call home is a rewarding experience. After getting the keys to your home, however, there are still several other things you will have to pay:



  • Monthly service charges (if you own an apartment)

  • Deposits for utilities – TNB, JBA, Indah Water and telephone

  • Assessment (twice a year)

  • Quit rent (annually)
(Source: www.maybank2u.com.my)

My actions so far:

-do some online survey on various commercial banks
-3 online loan applications sent to Public Bank, HSBC Amanah, Hong Leong Bank.

List of Banks in Sri Gombak
-Maybank
-CIMB
-Hong Leong
-Public Bank
-Bank Islam
-EON Bank
-BSN

-will try to reach all of them on any leisure Saturday to get the best rate.