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

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.)

Look familiar?

Taken in Esfahan (Iran)...

Typical parking style

This may help you to understand them...

THE REASON BEHIND MATHEMATIC LECTURE SUICIDE

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.

HARUN ASRI WEDDING INVITATION

boleh gantikan BBQ dengan this event for reunion...

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!.

Inside Kaabah

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!

Inspiration

Dear friends, This is an email which i got earlier from Keith Cunningham's emailing list earlier. What i want to share is the message in it, which i find is worth a deep thought on. Hopefully you will also find something meaningful to take as a lesson to move ahead.

regards, Adzimi

-----------------------------------------------------------

We are funny how we think about some things. New Year's has taken on a special significance for most of us, as if a calendar or certain date has more meaning or somehow is better suited for some things than any other date.

Our tradition seems to be that late December is a time of reflection, nostalgia and resolutions. And so we postpone commitments about diets, money issues, relationship goals and career changes until January 1. Why do we habitually wait until the beginning of a new year to do our thinking, planning and resolving?It seems to me that having what we want in life is not based on one giant decision or resolution that is made one time each year. Looking at our collective experiences, we know this strategy does not work... if it did, none of us would have ever made the same resolution more than once and we would all have a 100% track record on the achievement of our New Year's resolutions.

What we want in our life, whether it is health, financial, relationship or spirit related is a result of a never ending stream of consistent decisions. The first decision is the easy one. It is the subsequent, reinforcing, congruent, small decisions made in the heat of battle that are the ones we struggle with and which ultimately sabotage our dreams.

Anyone can make the decision one time. Sadly, our goals are never achieved with one giant inter-galactically huge decision, but rather with the daily decisions that continuously reinforce the initial decision.

How often do you need to remake your decisions? As often as required to have what you want.

Achieving your goals is NOT a problem of goal setting. We are goal setting experts. It is an issue of continuous, consistent decision making.

Bottom line, you get what you tolerate and most people tolerate mediocrity and average. They settle by refusing to remake the decision day after day. The quality of your life is directly proportional to what you have made non-negotiable and the decision of non-negotiable is made daily.

At whatever point in your life you get clarity on what you want, whether that be New Year's Eve or August 7, make the decision to keep making the decision for as long as it takes to achieve the goal.... And then make the decision again.

Achieving your goals and dreams is only the first step. Sustaining that success is the real end game.

Sandi and I will be sitting down in a couple of days to make the first decisions for our 2010. Part of this process is the gratitude list we make and keep with us. Our experience is that gratitude for what we do have is the base on which to build our goals, dreams and future successes.

We are grateful for you and the opportunity we have had to study with you. Thank You, Thank You, Thank You!

We look forward to the opportunity to deepen our relationship in 2010.

Best

Keith + Sandi

REMEMBRANCE

10th years anniversary the loss of
Ahmad Yazid Ahmad Yakin.

9th year anniversary the loss of
Mohd Shukri Yatim.

Sudahkah anda mula memotong kad plastik anda?

Courtesy of Fortune Sense (fortunesense.blogspot.com)

The credit and charge cards RM50 service tax issue seems is clearer now with the report news that quoted the clarification from the Second Finance Minister Datuk Seri Ahmad Husni Hanadzlah regarding the credit card and charge card Rm50 service tax. The clarification is as below,

1) New credit and charge cards will have to pay the RM50 service tax upfront from year 2010. That means starting from next year, whenever you apply a new credit or charge cards, you will need to pay the RM50 service tax.

2) Existing card holders, the charge will be imposed on the "anniversary date of cards". RM50 service tax only be imposed upon the anniversary dates of the cards, which are usually issued for a three-year period.

You can find the valid date information from the credit card or charge card. Usually the credit and charge cards issuers will send a new credit card or charge card to the card holder before the stated valid date.

Do have a look on your credit card and check what the valid date of your card is. However need to have a better understanding of the "anniversary date of cards".

1) For the case whereby the anniversary date of cards including the year. If your valid date is beyond 2010 means you still can use the card without paying the RM50 service tax next year. However if your valid date is 2010, take note of the stated anniversary month of the card. Try to cancel the card before the anniversary month if you do not wish to pay the RM 50 service tax and you are not using the card.

2) For the case whereby the anniversary date of cards means only he month. Try to cancel the card before the anniversary month if you do not wish to pay the RM 50 service tax and you are not using the card.

Do double confirm with your card issuer regarding this and check whether there is any way for the credit card or charge card issuers to absorb the service tax for you. Some do but with certain conditions on it.

Will you cancel all your credit cards or charge cards due to the RM 50 service tax or maintain only one credit or charge card?

Ladies and gentlemen, and the award goes to...

Ladies and gentlemen, and the award goes to... — Art Harun (Courtesy of The Malaysian Insider and art-harun.blogspot.com)

DEC 22 — The theft of an F5-E fighter jet engine from the Royal Malaysian Air Farce, eh sorry, Air Force, perhaps aptly defines the year 2009 as far as Malaysia (1 or otherwise) is concerned.

The absurdity of it all. And not to mention the audacity of it all. And as if to further add sodium chloride to the wide gaping wounds that all of us, Malaysians, suffer every time our so-called leaders forget to take their medications, we are told that so and so have been sacked or told to leave their job, some even earning pensions and whatever.

First, it was some plastic explosives being taken out from the storage to blow to smithereens some poor woman from a far away land, whose entry into Malaysia was erased from record. Just like that. As if C4 explosives from the people who are supposed to protect our country are just some cheap chewing gum which could be taken by anybody, at any time, for whatever reason. As if immigration records are notations made on some scrapbook which could be altered, amended or erased by anybody, at any time and for whatever reason.

And nobody even shook their butt to do anything. No report. No investigation. No blinking, nothing. Just like that.

At the same time, the public has to endure living in fear of crimes. We have to keep even our rubbish bins in locks and chains. Our drainage cover has to be welded lest it will be stolen in bright daylight. Our roads and lanes have instant holes as the sewage covers are stolen. Women can't even walk on the side of our roads for fear of being dragged to their death by handbag snatchers.

Nowhere is safe. Not even in the police lock-up, as Kugan found out the hard way. Not at the MACC office either, if reports of death and torture are to be believed.

Meanwhile, those in whom who are entrusted the duty to protect us are busy tracing individuals like Raja Petra Kamarudin, who apparently had so insulted Islam that he was, and still is, deemed to be a threat to national security. Even then, with all the might and powers of the state behind them, they are not able to trace him!

If RPK had insulted Islam, what about those who had walked after Friday prayers with a bloodied and severed cow head while policemen stood by the side doing nothing for fear of "making the situation worse"? Haven't they insulted Islam? What about those who said non-Malays are second-class citizens? And those who wrote that the Kelings are so lucky to be in Malaysia that they should just shut up and count their blessings? Oh well, they are given a pat on their shoulder because the newspaper they wrote for is the "voice of the people".

And at the same time, billions are squandered, pillaged and stolen. PKFZ has become really dirty letters. And what do we all get? Yes. We get engineers, architects and some minions charged for falsifying claims and the like. Now, the questions are, were all those false claims paid? If so, why? And who are the beneficiaries of those payments? Who authorised those payments? Aren't they guilty of something too?

Elsewhere we are the masters of sloganeering and self-glorification. We shout and scream 1 Malaysia at every possible instant and opportunity. Why? Even our mandatory "salam" has been reviewed to "Salam Satu Malaysia".

We have become, or been reduced to, a society which is shallow. Which is no deeper than our skin and the colour of it. We are obsessed with some drama actress becoming the second wife of a member of Parliament who ironically declared that women "leaked" once a month. Never mind the FDIs. Never mind the proposed GST. Never mind the Copenhagen Conference failing to reach any kind of tangible consensus on climate control.

Never mind. Because we are a society who love celebrities and their weddings. And divorce too.

An old professor of mine remarked to me over tea some months ago. After leaving Malaysia for Japan for so many years, he observed that Japan had gone through a period of extreme physical and material transformations. Coming back to Malaysia briefly after some years, he also noted that Malaysia had achieved so much physical and material transformation, just like Japan.

But there is one marked difference. Japan and her people have not seen their values and honour change. Their values and old-aged honour are still part of their society. They still know their responsibilities. Their duty to account. They still possess a deep sense of honour. And all that despite their physical and material achievements.

Malaysia and her people, according to him, have lost their sense of honour. We have changed our values. We are now measured not by our honesty, honour and sense of responsibility. We are now measured by the location of our houses and mansions; by the Cayennes X6 and whatever road-going behemoth that we drive; by how much power we can wield to bend the rules and laws in our favour; by how much favour we can call our friends in high places to do us. And of course by the trophy wives and girlfriends (and vice versa) who are seen beside us with the obligatory gold and diamond-crusted watch, LV handbag and Blahnik shoes.

Because that is what we are now. How we acquire those material possessions is not important. The question is what we do possess.

We are a society which is almost bereft of any spiritual and moral guidance. As if whatever is fair is foul and foul is fair. As if the very fabric of our existent has changed. And for the worse, that is.

It is the little wonder that a whole jet engine could be stolen from our royal air force. It is a right royal embarrassment, by any count. But what do we care? It is an old engine. We could buy thousands more. We have the money. And the persons whom we think are responsible for this shameful act have left.

Never mind any criminal offence which have quite obviously been committed by these people. They have after all been punished by being told to quietly leave. That was what we did to Ahmad Ismail, remember? And Isa Samad, remember? We dealt with them internally. They have served their sentence. And they, as everybody else, deserve a second, or even a third, chance. Why? Even Anwar Ibrahim, a convicted criminal, is now a member of Parliament.

And so we are told that we do have a full-proof system which would ensure these kind of things do not happen. But is this system fool-proof? Because if it is not, then there will always be some fools who can't even operate within a full-proof system. That is quite obvious.

And so we are told that there will not be a cover up. Yes, we, the people expect that there will be no cover up. But of course what constitutes a "cover-up" is subject to interpretation, isn't it? Like "we will not discuss it ever because the matter concerns national security". Is that a cover up? Or "we cannot charge them because matters concerning national security should not be discussed in open court". Is that a cover-up? Or "we can only charge them behind closed doors because the matter concerns national security". Is that a cover-up?

And we are left to wonder how it all happened. And why did it take a full year before the whole magical act was discovered by our ever vigilant military who is supposed to protect our nation from rogue countries, evil terrorists, Islam-insulting individuals scum of the Earth and hell, and Ketuanan Melayu evil objectors who really should just go back to wherever they came from (never mind the fact that these people were born in this country).

Would it be a severe case of paranoia if we, the people, start to wonder what else has been stolen from our military? Like our defence strategy? Or tactical blueprint? After all, these are sensitive and highly protected secrets (or supposed to be). Remember what they said in Parliament when questions were raised as to why there was not open tender for the submarines that we bought? It was said that open tenders should not be called because that will expose our national security matters unnecessarily.

Oh well, why must we worry. We still have our submarines. — art-harun.blogspot.com

MALAKOFF RUN 2009.... SOUVENIER

A MIXTURE OF EVERYTHING

Yesterday was a big day. Very big day. I supposed I have to run 6km Malakoff Run at Bukit Kiara.

Woke up at 6am after my wife's mobile alarm made it's annoying sound and disturbing my good Sunday sleep. !@(#$^&(@*#& I am late! The first thing came to my mind, do I really want to do this? Since I already paid for it (paid through Aini, tried to asked her for 10 bucks discount out of 15 bucks, and her answer was kepala otak ko!.... so my guess I have to pay full fees >_<) as well as my promise to Adzimi and Linda I woke up lazily and do the necessary (apart from taking shower) and heads to the Bukit Kiara.

6:35am: Arrival of the first timer runner at Bukit Kiara Equestrian Club
6:50am: Tipah tertipu!!! The PA lady said its 7km. Wait, I registered for 6k not 7! 7:00am: The first timer met Aini for his running number. Still contemplating to do the running
7:10am: Meet another first timer, Adzimi at the starting line up
7:13am: Still pinching myself, do I really doing this for real? Started to run 7:28am: Completed 2km after first hill
7:45am: Around this time we encounter one hill, *#(&*(&#^ steep even walking is a pain in the leg.
8:10am: Out of sudden, saw Aini taking photos. Jog to pose hehhe >_<
8:15am: We saw mat saleh in a car with running shirt and stuck at the junction waiting for the backbencher runners to clear off the road. He must completed ages ago!!!
8:20am: Completed my first 6k run or rather 7k run with running pose, not walking.
8:25am: Nikfa said its not 7k, its 7.5k, tipah tertipu lagi!!!

Then, pics, pics, pics, eat, eat, talk, talk, talk, talk, then go home

Three cars behind where I parked my car got smashed windscreen. Its a merc. Really spoiled the day. The car got two big sticker, Save Gaza at the rear windscreen. Hope nothing valuable is lost.

Nak buat lagi? Let me think.....

ASB Dividend is 7.30 Sen Per Unit for Year 2009

Courtesy of Fortune Sense:

Amanah Saham Nasional Bhd (ASNB) announced that for the financial year ending Dec 31, 2009, Amanah Saham Bumiputera (ASB) unit holders will receive - Income distribution of 7.30 sen per unit and - Bonus of 1.25 sen per unit - Total is 8.55 sen per unit



Last year income distribution was- Income distribution of 7.00 sen per unit and - Bonus of 1.75 sen per unit - Total is 8.75 sen per unit



The total dividend yield for this year is 0.20 sen lower than last year and there is 6.78 million unit holders who currently hold more than 70 billion ASB units.



Even tough the yield is lower than last year but the total payment for this year is RM5.48 billion compared to total payment of RM4.79 billion last year



According to PNB group chief executive and president Tan Sri Hamad Kama Piah Che Othman ASB is capable of paying more than 11 sen per unit but decided to paying 7.30 sen per unit and bringing forward the balance of 3.70 sen for 2010. The quoted reason is to ensure that the money could be use to buy more shares and do more investment.



Financial Result of ASB- Gross income for year 2009 - RM5.46 billion up to 10 December 2009 (year 2008 - RM5.28 billion)- Dividend income - RM1.48 billion, or 27 per cent- Profit from the sale of shares - RM3.67 billion, or 67 per cent- Investments in short-term instruments and other investments - RM309 million or 6.0 per cent



From the data, it shows that more than 60% of the income was generated by share trading. The income distribution and bonus will be automatically credited into the unit holders' accounts. All transactions for ASB will be suspended from Dec 21 until January 3 to enable the calculation of income distribution and bonus. Unit holders will be able to update their accounts from January 4.



ASB is a fixed price equity income fund, opened for Bumiputera aged 12 years and above. Normally the ASW 2020 and ASM dividend is slightly lower than the ASB dividend. Since the ASB dividend is at the range of 7 percent excluding the bonus units.



Do wait and see whether next April and next September the ASM and ASW 2020 dividend is still maintain at 6 percent plus range (ASM and ASW 2020 Dividend Rate). Besides, on next October the AS 1Malaysia will declare the first maiden dividend.



The 6 to 8 percent per annual return rate from the ASNB fixed price unit trust product could be used as a return rate benchmark to beat if we want to invest on other investment tools.



The return yield from the other investment tools should higher than the 6 to 8 percent per year to justify the time and the risks we put on it instead of invest in the ASNB fixed price products. What do you think of this?

Anything weird here?

What do you think?

What car names mean

BMW: Brings Me Women.

FIAT: Failure in Italian Automotive Technology.

FORD: For Only Rough Drivers.

HYUNDAI: Hope You Understand Nothing's Drivable And Inexpensive

VOLVO: Very Odd Looking Vehicular Object.

PORSCHE: Proof Of Rich Spoiled Children Having Everything.KIA: Kills In Accidents

OPEL: Old People Enjoying Life

TOYOTA: The One You Only Trust, Always

GOLF/GTI: Girls Only Love Fun / Get Them Inside

HONDA: Hanged Over, Now Driving Away

PROTON: Personnel Ride Only, Towing On Negotiate... hehe