Monday, 8 August 2011

aku ada dengar : nak pegi haji pun boleh pakai 'kabel' (tabung haji).

Proses haji menggunakan tabung haji : as stated here
  1. pendaftaran
  2. bimbingan
  3. pemilihan kelayakan
  4. and so on....
Let's fokus kepada dari proses pendaftaran hingga kepada pemilihan. from the registration process you may wait several years until you called for your haji. Why? because there are lots of malaysian waiting in the line.

And for the waiting part, here come the function of 'kabel'. To make sure you  been called earlier than you should. I don't know this is according to the quota reserved by Tabung Haji or it is because the hidden power of the administration.

Is it necessary for that?why don't you just wait till your turn come?

Don't you know how many mereka-mereka yang takde 'kabel' have to wait for years, maybe up to 8years or more to do haji? How many those who work hard dan bersusah payah kumpul duit to make sure mereka berpeluang pergi mekah sementara masih kuat? But those who apply later can go earlier because the just know the right person.

doesn't it sound a lil bit unfair here?or I just to stupid to understand the procedure?

Is it ok to do haji that way? To violated those people who suppose to get there first? Why you want to do haji anyway?

-nak dapatkan reda Allah dengan cara yang unfair?-

Monday, 18 July 2011

Mind trick??

Name the colour of the following things as fast as you can:


                                  snow



                                  paper



                                  clouds



                                  chalk



                                  wedding gown




Say the word "white" to yourself 10 times fast.


















QUICK!!!!!!!!   WHAT DO COWS DRINK!!!










Contrary to popular belief, cows do NOT drink milk. They drink water.
(at least it worked on me..or maybe i'm just an idiot? oh shit!)

source

hutang mesti mau hati-hati maa...

Time hutang semua laju. Tapi time nak bayar? Laju jugak la kot..huahuahua... Meh Abe Mat kasi tips sket benda-benda yang perlu dititik berat sebelum menghadap along. Sebagai satu lagi galakan kepada semua untuk memewahkan along-along Bukit Beruntung.



Tiga komponen yang perlu dikenal pasti :
  • interest rate
  • security
  • term
Interest Rate
interest rate ni dalam bahasa Malaysia adalah kadar faedah (kadar bunga pun boleh lah). Malang sekali faedah ni tidak memberi faedah kepada peminjam tetapi kepada pemberi pinjam. Jadi jauhilah memilih faedah yang tinggi untuk mengelakkan diri tergolong dalam kategori bangang.

come with two types of interest, the fixed and variables. the fixed (mostly provide by islamic banking) give you the fixed rate for the entire tenure of the load. The variables type rates change over time biasanya ditetapkan mengikut kadar pasaran. You are lucky kalau rate tu  menurun. Kalau naik??pecah kepala!!!!

Security
secure loan adalah loan yang memerlukan cagaran aset penghutang. Munkin boleh dicagar geran tanah atau pun rumah. Jangan sesekali mencagar laki/bini anda. Nak mampos?? Rate untuk secure loan biasanya lebih rendah memandangkan bank/pihak pemiutang mempunyai alternatif sekiranya bayaran tidak mampu dijelaskan.

unsecure loan is the vice versa.

Term
term is tempoh pembayaran. loan personal/ kereta have terms of 3 to 9 years while for home loans can up to 30 years. If in the period you win lottery or kena nombor please jangan berlagak kaya untuk settle kan loan. There are penalty for early settlement.

Here come the principles :

1. Borrow for something you need not you want.
Silalah belajar membezakan antara kemahuan dengan kehendak. Dan jangan dapatkan keperluan mengikut kehendak. Terasa diri dipusing?hua hua hua..Secara mudahnya, rumah adalah satu keperluan. Takde rumah nak tido kat mana? Dan rumah besar bapak siap boleh simpan lori dalam rumah tu bukanlah satu keperluan walaupun anda ada sepuluh biji lori. Kerana apa?? itu sudah menjadi satu kehendak. Jadi berpada2 lah dalam berbelanja.

2.  Borrow an amount within your capacity
It is suggested that you spend 1/3 of your gross income for your total loan.

3. Avoid borrowing for finance depreciating asset
Tau finance depreciating asset? aset yang susut nilai over time. contonya macam kereta. Makin lama makin murah jadinye. Tapi refer to principle no.1, kalau dah kereta tu menjadi keperluan, go on. But rarely happen a luxirous car become a need. Maybe kepada bisnesman mgkn keperluan kot. Do you know that luxurious car can inrease sales?

4. Absolute commitment to repay
Rajin-rajin lah bayor yer.kate orang, pandai utang pandai bayor ler.Jangan memandai nk lari pulok.Tak kemana larinye tu.

for more details, refer here.
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Dok tulis pasal utang ni teringat pulok time budak2 dulu..orang-orang tua dok pesan, utang ni kalo blh elakkan la.Jangan sampai berhutang jadi amalan biasa...tengok2 skrg ni budaya pulok dh utang neh. Kalau dh bnyk utang, bgn tido hari-hari utang je lah yg dipikirnya. Time bila nk pikir nasib sedara2 yang miskin? time bila nk pikir nasib ank yatim? time bila nk pikir nasib sedara2 yang tgh berperang?(kalo dulu time Dunia Jam 10).

---->Our lives have more purpose beyond kenyangkan perut sendiri aje...<-----

Sunday, 17 July 2011