Monday, 30 May 2005

Good cash management skill

[In response to Fathiah [the new bride :)] and visitor's question]

Assume that our salary is RM2000.

Gross salary is RM2000. So our saving should be, RM2000*30% = RM600 [no no, you cannot calculate this based on salary after deduction, but tahe gross salary figure].

RM 600 should be channeled to other banking institutions that is far [the farther, the better] and you cannot withdraw the money inside the account. As for me, I put my savings in Tabung Haji since there is no ATM machine linked to Tabung Haji and it is situated not within my usual spots.. heheheh.

Better still, if you feel that you cannot save that much money, you can do auto debit - I prefer this, it would be hassle free and much better.

The savings does not include KWSP at all. KWSP is also another type of saving, but it's much better if you can save the whole 30% to another banking institution due to the fact that it gives much higher return.

The balance after all the deductions can be used for your monthly expenses.

And yes, about the housing loan.. better take the housing loan on shorter term rather than longer one. You might be surprised to see higher interest incurred in the longer term even though you pay less for monthly installment compared to shorter term.

Friday, 27 May 2005

To China


I bet Aini didn't know that ayah, ummi and our siblings are off to China at 12.00 a.m. today.

Whoppsss... I forgot to water ayah's garden this morning.

Just for Aini :D

Penyata KWSP


Semalam, sudah tengahari ke KWSP untuk mendapatkan penyata simpanan. Dah lama tak jejak kaki ke sana, ingatnya, awal tahun 2004 kali terakhir ke sana untuk ambil penyata tahun 2003.

Perkhidmatan di sana sangat pantas. Kami datang untuk ambil penyata tahun 2004 dan 2005, tunggu dalam masa 2 minit, terus nombor giliran muncul di paparan skrin. Siap tanya lagi, kenapa penyata KWSP tak sampai di rumah, terus staff mengajukan ke kaunter 40 untuk minta kami tukar alamat -sebabnya, alamat akaun kami di KWSP adalah alamat pejabat. Isi borang pertukaran alamat pun mudah, tak perlu beratur, terus ambil, isi dan masukkan ke dalam tray.

Suami ternampak komputer interaktif di pintu masuk. Kami macam rusa masuk bandar. Komputer ni boleh imbas MyKad dan cap jari kita. Rupa-rupanya, tak perlu ambil nombor langsung, penyata KWSP boleh dicetak terus daripada komputer interaktif tu!

Alamak, rasa betul-betul tak update diri dengan teknologi yang ada di Malaysia. Apa lagi, ligatlah kami cuba komputer interaktif tu.. Waa, terjakun sekejap! :> *edisi malu*

Semalam juga ke Tabung Haji, niat nak betulkan borang kemasukan duit gaji ke akaun anak-anak. HR tidak hantar borang TH yang diisi bulan Februari lepas untuk direct debit kemasukan gaji ke akaun Amni dan Fawwaz. Terpaksalah isi sekali lagi di TH. Nampaknya, dah turun sikit kepercayaan terhadap HR. Baik bersusah ke Tabung Haji daripada berurusan dengan HR.. errrr...

Jumpa dengan Farid minggu lepas, dia bercerita simpanan kita adalah 30% daripada gaji kasar. Mujur dah buat dari awal tahun macam tu [impak membaca buku Azizi Ali yang banyak sangat!], maknanya selepas simpanan dibuat, barulah kita boleh allocatekan duit untuk perbelanjaan harian.

Kami baru beli sebuah apartmen di Pinggiran Batu Caves Ahad lepas [Kak Tyha, nak sewa ke? Tapi tahun 2008 baru siap..], keluasannya dalam 912 kaki persegi. Saya kira, ini investment yang sangat bagus.. kalau dah siap, mungkin boleh jual atau sewakan. Masih lagi mencari bank yang offer Islamic rate yang rendah. Ada cadangan? Ingat mahu survey EON bank atau Bank Muamalat. Saya tak suka conventional loan. Mungkin ambil loan untuk 10 atau 15 tahun.

Thursday, 26 May 2005

Free online novel

For people who do not have much work to do and can stare at computer (like they are working all day long)- erk, aku ke tu? :P

Free Online Novels

Good to kill your boredom...

Wednesday, 25 May 2005

Sporting ke ni?

Hahahaha.. teruk Zul kenakan sepupu dia .. ngehehehe :D

Tuesday, 24 May 2005

Status stigma

Remembering Aina's post [May 3] about status and discrimination, dh and I, unfortunately experienced it last weekend.

My dh was assigned to buy a new toilet seat because our old one is broken. He went to the shop where we bought our toilets last two years and the sales assistant didn't even glanced at him when he showed our broken toilet seat. She asked rudely about the brand of the toilet and dh desparately called me and I said 'La Fonza'. Bearing in mind, I know the sales assistant did not want to be bothered since dh is such a simple man and love to travel back and forth with his motorcycle. Unfortunately, he was travelling by his old motorcycle last Friday to the shop. The way he was dressed maybe implied to her that we could never afford buying the branded 'La Fonza' toilets.

I know dh is really a patient man, and it tweaked his nerves when the sales assistant rudely talk to him. She even have the nerve to ask for the model number of the toilet - what the heck? Dh even raised his voice and said "If you don't want to sell, it's all right with me!"

The sales assistant was stunned nonetheless.

And yesterday, I also experienced the same thing during the Isetan sale at KLCC. I was vying and picking some wedding gifts for my friends and even there were like 4 sales assistant. It was quite OK with me since I didn't like sales assistant come tagging along behind me. Even I saw the sales assistants were quite busy with some Chinese ladies who looked obviously rich. And I was just wearing a jubah. But what really irritated me the most was when I showed the item to the sales assistant and asked whether it is 70% off and he didn't even acknowledged me being there. Maybe I look like some very ordinary women, but it did irritate me when he didn't even bother to answer my question and keep tagging to the Chinese ladies.

I told dh about it and he just shakes his head.

There is nothing much about my story; but I am still wondering about our society status stigma. Is the one dressed in designers' clothes should be treated better than people who are just.. lame ordinary? And dare I say the answer is "No"?

What I learned in PC Management course

Day 1:
Sleep and unscrew all cables, RAM, power supply, ventilator, hard disk, CD-ROM reader, floppy disk reader, network card, sound card and VGA card inside the CPU.

Day 2:
Sleep and screw back all the items inside the CPU.

Day 3:
Delete ALL the partitions (C, D and E) inside the hard disk and create new partitions using fdisk and delpart.
Install Windows 98 at drive C using MS DOS.
Install network, sound and graphic card.

Day 4:
Install Windows 2000 at drive D.
Install network, sound and graphic card.
Learn how to configure intranet and internet.

Day 5:
Install Windows XP at drive E.
Install network, sound and graphic card.

Walla!! Your PC will have 3 operating system.. yeyyy!

The course is good if you really wonder what is inside the CPU and you have fun to unscrew and screw everything from zero!!

Nyehehehe :D

Thursday, 12 May 2005

Process flow

Finished doing 14 process flows altogether...


So this one very THICK book will be my handover notes? Cool :>

I have started reading another book - Tafsir Wanita by Syaikh Imad Zaki al-Barudi. You can view the discussion here.

Wednesday, 11 May 2005

Kelantan and I am nervous...

Dh came back from Kelantan last Monday. I am glad he enjoyed himself during ALL >:) his walks to KB and he bought lots and lots of keropok. Amni got 2 cute kaftans (baju kelawar) and a crystal bracelet, Fawwaz got a baby suit and I got a nice beautiful purple bracelet. My grandma is doing well nowadays, according to dh after her bypass operation. Alhamdulillah..

The beautiful bracelet
Mine with dark purple stone (Amethyst) and not blue as above

I am still nervous with the reorganisation thing and really hoped that I will be placed back to HQ and enjoy my work even more.

Monday, 9 May 2005

The English Test

I have taken the test from Dali's blog :). Thank God, have been searching English quizzes to brush my English :D

You scored 92% Beginner, 85% Intermediate, 93% Advanced, and 60% Expert!

You have an extremely good understanding of beginner, intermediate, and advanced level commonly confused English words, getting at least 75% of each of these three levels' questions correct. This is an exceptional score. Remember, these are commonly confused English words, which means most people don't use them properly. You got an extremely respectable score.

My test tracked 4 variables How you compared to other people your age and gender:
You scored higher than 36% on Beginner
You scored higher than 12% on Intermediate
You scored higher than 52% on Advanced
You scored higher than 13% on Expert

The Commonly Confused Words Test

To Kak Aza and Abang Amir.. mabruk

Mail 1
From: Ieka
Sent: Monday, April 18, 2005 3:35 PM
To: Aida
Sensitivity: Confidential

Kak Aza was bad... tadi telepon die nakler tanye macamana boleh bermula kan..
lepas tu tau tak die buat ape..die pergi pass kan telepon tu pada abg amir
ya Allah segannyer aku merah padam muka aku nak menjawab telepon

Mail 2
From: Aida
Sent: Monday, April 18, 2005 3:35 PM
To: Ieka
Subject: RE:
Sensitivity: Confidential

Gila betul... waa mmg nak kena ni kak Aza ni...
sabar Ieka sabar.. dah tu, kau kelu berkata ke.. ke tanya gak
waa, segan tahap maksima tu :)

Mail 3
From: Ieka
Sent: Monday, April 18, 2005 4:31 PM
To: Aida
Subject: RE:
Importance: High
Sensitivity: Confidential

nak tanye apenyer
aku tanye nape abg amir plak yg jawab..tak baiklah kak aza ni
lepas tu abg amir gelak je dan pass kan balik pd kak aza
pastu marahler kak aza plak...ahahhahaha
kire abg amirler yg selama ni memendam rasa:p
sbb terus je masuk merisik..akakka

Mail 4
From: Aida
Sent: Monday, April 18, 2005 4:32 PM
To: Ieka
Subject: RE:
Sensitivity: Confidential

Ye ke ko?
Senyap senyap je merisik.. buln baper a die risik tu

Mail 5
From: Ieka
Sent: Monday, April 18, 2005 4:42 PM
To: Aida
Subject: RE:
Importance: High
Sensitivity: Confidential

erm abg amir approached kak aza dulu dlm akhir bulan 2 meluahkan rasa hati (dengan bunga youu)
lepas tu bulan 3 tu dtg merisik..tup-tup terus bertunang

Mail 6
From: Aida
Sent: Monday, April 18, 2005 4:45 PM
To: Ieka
Subject: RE:
Sensitivity: Confidential

Mak oii.. dengan bunga [so sweet].
Senyap senyap je yer abg Amir masuk.. sure dah berminggu solat istikharah tu ngee
Aku nak duduk satu hari la kat kenduri kak Aza tu, biar padan muka dia sbb tak story ngan kita awal-awal.

Mail 7
From: Ieka
Sent: Monday, April 18, 2005 5:24 PM
To: Aida
Subject: RE:
Sensitivity: Confidential

haah betull
rasanyer abg amir tu dah risau kot terlepas tu yg akhirnyer memberitahu, ahahah
amboi amboi tadi... abg amir ckp ape tau, biasalah kami sehati sejiwa
sabarr ajelah aku..hahahaah

P/s: Ieka ni my saviour, kawan susah dan senang. Menangis sama-sama, sedih sama-sama, gembira pun bersama. Alhamdulillah dapat ukhuwwah yang sebegini :)

Friday, 6 May 2005

Bola talks

As of right now, if you asked me which team is the top 4 in EPL, it will be:

  1. Chelsea - Roman Abravomich owned it, he's an oil billionaire in Russia. If Chelsea won this league, they will obtain the cup after 50 years!

  2. Arsenal - More injuries but no defensive tactics like Chelsea. Main tactic is attack. They won the EPL cup last year (before Roman Abravomich bought all the players for a big hefty price tags).

  3. Manchester United - The golden boy would be Christiano Ronaldo. Beckham was transferred to Real Madrid to accommodate this guy. He can play with both legs and the passing shoot to create goals are just amazing.

  4. Everton - The underdog. Last year who would have though Everton would raise to be in the top 4? Liverpool had already go down the ladder.
The top 4 teams will automatically entered Champions' League next year even though Liverpool entered Champions' League final this year.
Yes, MU did won Champions' League last year. So we just wait and see if they entered the final.

The most interesting team's rise is of course, Chelsea. The club was never expected to bounce back after a huge loss on their account and they have to lay off their players. However, their fairy godfather (Abravomich) bought the club with a price tag of GBP 300 million, just like that. And he keep transferring in and out the players. *Ok, I can give to you the details later if you guys ask*

One team that is sponsored by Proton is Norwich City. They won in First League and shoot to the Premier League. However, their performance in the EPL is at the bottom 3.

About Malaysia football? KO! I only know Khalid Jamlus and Akmal Rizal.. hehehe

P/S: I acquired vast knowledge on EPL and Champions League after I got married.

Thursday, 5 May 2005

Blackout, hot rashes and wardrobe organising

My house (and the whole area of Phase 7: with my mum's and Aini's BIG house included :P)experienced electricity blackout on Monday at 2 p.m. The electricity was only restored at 5.50 am on Tuesday.. Phew, talk about getting hot at night! Both my kids were only wearing short pants during the day and when sleeping at night. I have to hand fanned Fawwaz at night to make sure he is sleeping. The only place that was cool will surely be our car, with air conditioning at full blast :). Dh had a soft spot for candles and he lighted about 6 candles at the same time.. ngeee

We brought both kids to clinic, and funnily, since there is no electricity, the kind doctor checked our kids at the waiting area outside her room. Amni was running berserk in the clinic when the doctor want to check her heartbeat and she didn't want to open her mouth when the doctor asked her to open it.

Amni got spots all over her body -and the doctor confirmed it is not measle. I have to calm my mom and said to her it's hot rashes instead. Checking this morning, it is confirmed that she only had hot rashes since we already powdered her spots with tepung sagu yesterday.

Since I am on leave yesterday, I have been organising the wardrobe while both kids were asleep. I have been coordinating the clothes by its colours, type and hanger's colours. It will be much easier if you guys have one colour only for the hangers since you only have to coordinate the clothes by colour. I have separated pants, work shirts and baju melayu accordingly to types and colours. All my tudungs have been organised to pashminas, silk scarfs, Donatello, bawal etc. The wardrobe organising tips was acquired during an Oprah Winfrey talkshow. It is much easier to locate your clothes after organising it by type and colours rather than take for granted hanging all the clothes altogether.

Dh didn't notice that I have even organised his t-shirts to colours and put it in one stack. I love the colour coordination scheme, the stack of clothes looks like a rainbow :)

Tuesday, 3 May 2005

Long holiday!!!

On Friday, Fawwaz is on fever. We had him taking all his medicines with his milk. Thank God, he's OK the next day :)

Went to The Royal London Circus on Saturday. Amni was charged for RM10 per seat. However, we did utilise the seat fully since she enjoyed standing during the whole show. It's kinda cute to see my daughter standing and pointing and clapping when seeing the circus stunts. Price for a class A seat is RM65 but we got it free courtesy from Amni's grandpa :). Dh said he enjoyed the 5-motorbike performance. I preferred the hat show from the Han brothers. And hey, did you guys know the circus was actually owned by a Malaysian family?

Come Sunday, our darling daughter had a high fever. However, she did join her grandma for a wedding reception and Times Warehouse Sale [which I gladly didn't go since I am actually flat broke :P]. We brought Fawwaz to my ex-schoolmate's wedding reception [Zoe's] and managed to snap pictures with Lynn, Jaja and the couple. Lynn was carrying Fawwaz in one picture with the couple and it did look like Fawwaz is her child :lol: :P

And to recap our long holiday, we went to my auntie's house -which has just been refurbished- and Aini's BIG house.. [yes girls, believe me when I said Aini's house is big].

Oh, we did went to a townhouse show unit [Kipark Sri Utara] situated behind Makro Selayang, which is really a beauty! Chatting with the sales representative, there is not many bumiputras willing to buy the freehold house. I guess, it is because of the exorbitant price tag ranging from RM260,000 to RM500,000.

Am still thinking to buy a duplex storey apartment at Batu Caves -sort of penthouse- the price is RM 125,000.. quite cheap eh? The selling price is actually RM160,000. Oh yes, the boss said to survey for him one unit.. hehehe