Saturday, 30 April 2011
Friday, 29 April 2011
Monday, 25 April 2011
-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
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..
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.
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
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
- Introduction To Management
- Bahasa Malaysia IV
- Business Law
- Business Communication
- Business Statistics
- Introduction To Managerial Psychology
- Principle Of Financial Accounting
- Ethnics Relations
- Islamic and Asian Civilisations
- Distance Education And Computer Literacy
Sunday, 10 April 2011
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
Tuesday, 5 April 2011
Monday, 4 April 2011
- 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
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.
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.
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.
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.
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)
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
-will try to reach all of them on any leisure Saturday to get the best rate.