Saturday, January 30, 2010
HARI WILAYAH...
Selamat bershopping sakan org kerja KL & Selamat bekerja utk org kerja kat Selangor.... lebih2 lagi yang dok kat KL :P
SWIMMING CLASS IN SHAH ALAM
If you or someone you know looking for swimming class, then you can head to Kelab Air Akuatik Shah Alam. Class starts late afternoon till evening on week days. Weekends is already full.
Charges? RM160 for 8 classes + RM20 for admin fees (one time only). If you decide to go for another session (8 classes), then its RM130. For third session (8 classes), its RM110. Interested? Please call Bukhari at 019-376 7111... He is doing this full time and if he does not pick up your phone, leave sms. He might be in the pool teaching his students.
Thanks
Charges? RM160 for 8 classes + RM20 for admin fees (one time only). If you decide to go for another session (8 classes), then its RM130. For third session (8 classes), its RM110. Interested? Please call Bukhari at 019-376 7111... He is doing this full time and if he does not pick up your phone, leave sms. He might be in the pool teaching his students.
Thanks
Tuesday, January 26, 2010
Is property really a good investment? by Azizi Ali
Is property really a good investment? by Azizi Ali
- taken from The Start online
I get this question all the time. To be kind, I would smile and nod approvingly. “Of course!”
But deep in my heart, I know that while the answer is correct, it is not complete. Of course properties make good investments. But then, the same thing can be said about stocks, unit trusts, gold and a couple of others as well. While they are all good investments does not mean anyone can make money from them. Buying the first house you see or the stock that takes your fancy is a sure recipe for disaster and a guaranteed formula for losing your hard earned money.
Further, the house is the most expensive purchase most of us will make in our lifetime. And it also forms our highest debt and lasts for the longest time – often lasting 20 years or longer.
That being the case, doesn’t it make sense for us to do a little bit (or better, a lot) of homework before parting with our money? Doesn’t it make sense to tread very carefully before buying a property? Obviously, the answer is ‘yes’.
As an example of careful trading, a colleague of mine viewed the plot that he wanted to buy three times: once in the morning, once in the afternoon and once at night – all on different days. Mind you, it was only a plot of land at that time as the house was not up yet. Now some people may think that may be overkill, but his answer was spot on: “Before paying RM810,000 for anything, I want to be sure that everything is right and in order first.” I totally agree.
And oh yes, he sold the house when it was completed two years later for RM1.1 million. Even taking into account that he had to pay RPGT (that was still applicable then), real estate agent’s commission, legal fees and all, he still pocketed a tidy sum of money. I’d say the three trips was certainly worth the RM200,000 plus – don’t you agree?
But I have seen people buying houses on the spur of the moment. I have seen people rushing to buy properties as if they were buying groceries. For their sake, I sure hope that they have done the homework beforehand though my heart tells me something else.
Buying a property is easy. All you need is a little bit of money and sign some papers. The question is, “Can you sell the property for a profit later on (hopefully not too later on)?” Or in other words, can you make money from the property in the near future? As you can see, the answer is not so easy.
So this will mean that you will need to do your homework when investing in properties. This will include reading books, magazines, articles, observing and yes, learning from the experts. Of course, this will require time, effort and yes, even money. But all that effort is peanuts compared to the reward that awaits you. And yes, the price is miniscule compared to the problems that can happen if you bought wrongly. (Just ask the unfortunate people who bought houses in flood prone areas. Worse, they have to bear the brunt of listening to jokes about water proof furniture and getting free boats from the developer.)
I get this question all the time. To be kind, I would smile and nod approvingly. “Of course!”
But deep in my heart, I know that while the answer is correct, it is not complete. Of course properties make good investments. But then, the same thing can be said about stocks, unit trusts, gold and a couple of others as well. While they are all good investments does not mean anyone can make money from them. Buying the first house you see or the stock that takes your fancy is a sure recipe for disaster and a guaranteed formula for losing your hard earned money.
Further, the house is the most expensive purchase most of us will make in our lifetime. And it also forms our highest debt and lasts for the longest time – often lasting 20 years or longer.
That being the case, doesn’t it make sense for us to do a little bit (or better, a lot) of homework before parting with our money? Doesn’t it make sense to tread very carefully before buying a property? Obviously, the answer is ‘yes’.
As an example of careful trading, a colleague of mine viewed the plot that he wanted to buy three times: once in the morning, once in the afternoon and once at night – all on different days. Mind you, it was only a plot of land at that time as the house was not up yet. Now some people may think that may be overkill, but his answer was spot on: “Before paying RM810,000 for anything, I want to be sure that everything is right and in order first.” I totally agree.
And oh yes, he sold the house when it was completed two years later for RM1.1 million. Even taking into account that he had to pay RPGT (that was still applicable then), real estate agent’s commission, legal fees and all, he still pocketed a tidy sum of money. I’d say the three trips was certainly worth the RM200,000 plus – don’t you agree?
But I have seen people buying houses on the spur of the moment. I have seen people rushing to buy properties as if they were buying groceries. For their sake, I sure hope that they have done the homework beforehand though my heart tells me something else.
Buying a property is easy. All you need is a little bit of money and sign some papers. The question is, “Can you sell the property for a profit later on (hopefully not too later on)?” Or in other words, can you make money from the property in the near future? As you can see, the answer is not so easy.
So this will mean that you will need to do your homework when investing in properties. This will include reading books, magazines, articles, observing and yes, learning from the experts. Of course, this will require time, effort and yes, even money. But all that effort is peanuts compared to the reward that awaits you. And yes, the price is miniscule compared to the problems that can happen if you bought wrongly. (Just ask the unfortunate people who bought houses in flood prone areas. Worse, they have to bear the brunt of listening to jokes about water proof furniture and getting free boats from the developer.)
Saturday, January 23, 2010
Thursday, January 21, 2010
Friday, January 15, 2010
i-Ponder
بسم الله الرحمن الرحيم
I want to share some beautiful words from one of our Ulama'.
Four parts definition of 'Ubudiyya:
1. Keep the covenant to Allah
2. Do not trangress the limits Allah ordered upon us.
3. Content what Allah has decreed.
4. Be patient on what you have and what you dont have.
Marilah kita sama-sama menghayati 4 perkara di atas. Semoga Allah memberi kita petunjuk ke jalan yang benar.
Wednesday, January 13, 2010
Monday, January 11, 2010
Buku: Muhammad s.a.w His Life Based on the Earliest Sources
Assalamualaikum. Dengan nama Allah yang maha Pemurah lagi maha Mengashani. Untuk rakan-rakan yang berminat dengan Seerah Nabi Muhammad s.a.w, aku cadangkan baca buku Muhammads.a.w: His Life Based on the Earliest Sources by Martin Lings. Buku ini bermula dengan sejarah kabilah (tribe) Arab Quraish sehingga kewafatan Nabi Muhammad s.a.w. Walaubagaimanapun, tiada buku di dalam dunia ini sempurna kecuali al-Quran. Sedikit kelemahan pada buku ini ialah, ayat-ayat al-Quran tidak di tulis dalam versi Arab. Semua ayat-ayat al-Quran adalah terjemahan dalam bahasa Inggeris sahaja. Enjoy!.
Wednesday, January 06, 2010
Friday, January 01, 2010
HAPPY NEW YEAR
Happy New Year Everyone!
This is the first post for twenty ten (2010) and I pray that all of us successfully get what we wish and plan for this year.
This month is remembrance of our registration day on 24 January 1994 (sorry if I got this wrong). Yes, its already 16 years ago when we first met as Batch 4 PKP MRSM Taiping.
When I attended ANSARA dinner in November, I realised the number of ANSARA members who joined the dinner was very small. We should fit one whole KL Convec Centre with our numbers of ANSARA members. I threw a question to one of ACT (ANSARA Cawangan Taiping) why the response is poor and she said maybe because we are only together for 2 years unlike MCKK Old Boys whom spend 5 years in MCKK. However, we could not use this as an excuse for keeping yourself away from the ANSARA. We should be proud of what ANSARA is and try to work together to achieve at least what MCOBA has achieved.
I strongly believe if we can get our batch together, then we could do much more for ANSARA, especially ANSARA Cawangan Taiping. Come and join us in one of the activities and experience yourself how warm, helpful and friend-ful they are in trying to keep the alumni moving forward.
It's not to late to write an additional resolution for this year, joining ACT's activities at least one for year 2010.
Go 2010!
This is the first post for twenty ten (2010) and I pray that all of us successfully get what we wish and plan for this year.
This month is remembrance of our registration day on 24 January 1994 (sorry if I got this wrong). Yes, its already 16 years ago when we first met as Batch 4 PKP MRSM Taiping.
When I attended ANSARA dinner in November, I realised the number of ANSARA members who joined the dinner was very small. We should fit one whole KL Convec Centre with our numbers of ANSARA members. I threw a question to one of ACT (ANSARA Cawangan Taiping) why the response is poor and she said maybe because we are only together for 2 years unlike MCKK Old Boys whom spend 5 years in MCKK. However, we could not use this as an excuse for keeping yourself away from the ANSARA. We should be proud of what ANSARA is and try to work together to achieve at least what MCOBA has achieved.
I strongly believe if we can get our batch together, then we could do much more for ANSARA, especially ANSARA Cawangan Taiping. Come and join us in one of the activities and experience yourself how warm, helpful and friend-ful they are in trying to keep the alumni moving forward.
It's not to late to write an additional resolution for this year, joining ACT's activities at least one for year 2010.
Go 2010!
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