::Attention::
  • This blog download stuff contain only links to other sites on the Internet
  • I do not host or upload any file here
  • The article are written in English & Bahasa Malaysia.

Showing posts with label Malaysia. Show all posts
Showing posts with label Malaysia. Show all posts

Thursday, March 8, 2018

mari dengar cerita budak² zaman sekarang
yok!

mari dengar cerita budak² zaman sekarang
ada pakai jubah ada yang separuh telanjang
ada macam² kulit putih tukar hitam
ikut suka hati apa peduli halal haram
masa kecik² cita² jadi doktor
bila besar jadi lupa
jadi player jadi gangster
apakejadahnya ayah dulu jugak berkata
mak garu kepala masa depan huru hara
orang bercinta dia pun gatal nak ikut
bila maruah dah tergadai
baru dada rasa semput
ini kisah anak dara belumnya pemuda
macam² ada
sampai tak tahu cam mana nak mula
sekolah belum habis dah lagak macam dewasa
islam hanya pada nama semua dia nak cuba
boleh main cuba cuba
boleh main raba raba
main sama sama
bila kena sama rasa
tepuk dada tanya selera
tanya iman tanya diri
tanya kaki siapa bagi sampai kita boleh diri
aku cuma cerita apa yang ku nampak
terpulanglah kat korang nak terima ker tak

*Chorus:
Minah-minah tudung zaman sekarang ramai cacat otak, BODOH!
Pakai tudung tapi pakai pakaian ketat-ketat, BODOH!
Ada pula pakai tudung tapi pakai T-shirt pulak, BODOH!
Mana ke tidak masyarakat kita dipandang rendah, BODOH!

Verse 1:
Keluar dengan mak pakai tudung,
Pakai sopan aurat tertutup,
Tapi bila keluar dengan kawan aurat terdedah bagi lelaki tengok percuma,
Aku sendiri tengok pon heran, mana tak heran
Agama kuat tapi baju ketat, buka tudung rambut perang
Perang-perang konon tu nak tunjuk belang,
Tindik sini tindik sana, bukan ditelinga saja,
Lidah pon ada, Muka decent tetapi perangai nonsence
Ikut sesuka hati dia, Tapi tak ikut segi agama…
(Chak chak chak kedongdong)

Sunday, October 22, 2017


Homestay Parit Raja, Homestay Harmoni adalah sebuah homestay baru di Parit Raja.
Homestay ini merupakan sebuah homestay/ rumah tamu/ rumah persinggahan yang terletak di Taman Universiti, Parit Raja, Batu Pahat.

Homestay ini terletak di lokasi strategik iaitu berhampiran dengan Lunatots, Klinik Putra, Al-Ikhsan, Universiti Tun Hussien Onn (UTHM), Kolej Kemahiran Tinggi MARA, Kolej Jururawat Masyarakat, Pekan Parit Raja, kedai makan seperti Mc Donalds dan Restoran Al-Azhar, pasar mini, masjid, surau, mesin ATM dan bank seperti Maybank, CIMB, Public Bank dan BSN.

Kemudahan / Accomodation

Homestay di No 1, Jalan Universiti 13

* Tiga bilik tidur
    Bilik tidur utama berhawa dingin dilengkapi katil bersaiz King (6’), tiga bantal, almari, meja sisi dan penyidai tuala .
    Bilik tidur kedua dilengkapi dua buah katil bersaiz Queen (5'), dua bantal, almari dan penyidai tuala.
    Bilik tidur ketiga dilengkapi katil bersaiz King (6'), tiga bantal, almari, dan penyidai tuala.

* Ruang tamu 
    LCD TV.
    Set sofa dan meja kopi.

* Ruang makan
    Set meja makan untuk 5 orang.

* Dua bilik air

* Dapur
    Peti sejuk.
    Kabinet dapur. 
    Dapur memasak.
    Jag air elektrik.
    Almari pinggan dan pinggan mangkuk.

* Kemudahan lain
    Seterika.
    Penghawa dingin.
    Tuala, sejadah dan selimut.
    Dua tempat letak kereta berbumbung.
    Hotel amenities seperti sabun mandi, teh dan gula.

Homestay Rate

Hari Biasa: RM150.00 semalam
Waktu Puncak: RM180.00 semalam

**Kadar sewa masih boleh dirunding.

    Waktu Puncak (Peak season): Semasa pendaftaran, konvokesyen dan aktiviti-aktiviti utama di UTHM dan kawasan sekitar.
    Diskaun: Diskaun akan diberikan kepada tetamu yang menginap 3 malam atau lebih.

Daftar Masuk/ Keluar:
* Waktu daftar masuk: 2.00 petang
* Waktu daftar keluar: 12.00 tengahari 

Daftar masuk awal dan daftar keluar lewat hanya dibenarkan sekiranya terdapat kekosongan.

Harga penginapan mungkin berbeza mengikut tarikh tempahan

Check-in / Check-out time
Check-in after 2pm
Check-out before 12pm

Maklumat tambahan

Sesuai bagi keluarga yang mengiginkan penginapan yang selesa dan berpatutan



Untuk maklumat lanjut, sila hubungi:
En Sham (012-736 3269)
Pn Wati (012-740 9224)

Site:
http://homestayparitraja-batupahat.blogspot.my/
homestayparitraja.blogspot.my 

Monday, March 2, 2015


Wanting to buy your own house and being financially capable of doing so are two different things.

While banks and financial institutes exist to help you make big purchases like this, it does not mean you throw caution to the wind and plunge you and your family into a long cycle of debt.

If you think you are ready to buy a property though, there are several questions you must ask yourself first. In this article, we’ll take a look at five of the most important ones;

1. Your financial situation:

It’s simple really. If you don’t have the money or the means to pay the bank back every month and live comfortably at the same time, then you are financially unable to own your property. Buying property is something you plan years for and this will include immense savings and a functional budget worked out. You must account for things like taxes, insurances, maintenances, upkeeps and market fluctuations.

2. Down payment: 

The down payment amounts vary on the type of loan you pick up. A first-time home buyer’s down payment will be different from someone buying their third property for example. There are also loan-set up fees, agent fees, home inspections and other miscellaneous fees that you are expected to cover on your own and with cash. Preparing for this is important.

 
3. Stable income:

Buying and sustaining your property when you lack a full time job with a stable income is a dangerous thing to do. Unless you are certain that you can fall back on a stable monthly pay check, you should delay any thought towards purchasing property.
 
4. Debts:
Being in debt is a cultural trend. There are very few people in the world that can safely say they lead a debt free life. From buying cars to shopping on credit cards, we constantly enter ourselves in a cycle of earning, loaning and paying back cash. However, as long as your debts are under control and you are comfortably living while paying them back, only then should you entertain thoughts about property buying. Buying a home arguably creates the biggest debt so being in control of your finances is essential.

5. Contingency plan & fund:
A backup plan and extra money to serve as a cushion against sudden setbacks is a necessary requirement. You should not put all eggs in the basket so to speak, instead squirrel sufficient cash away for a rainy day.

Source: propertyguru.com.my

Tuesday, October 21, 2014

Believe You Are Your Work

When you’re in University, did you ever wonder how it would be like once you have graduated and officially stepped out of the comfort zone, which is the student life, and entered the workplace? Sure, some of you may have had dreams of donning a tailored business suit and signing big deals. Yet others would be dreaming of saving lives, be it in the medical profession or the public services profession.
And then you will get those who dream of making it big on a public stage one day; the artists, the performers, the designers. Put together every other profession in between all that was aforementioned and all that weren’t, and you would get the idea of how fresh graduates are sometimes known as the “eager beavers”. We now take a look at the top 10 earning professions for those who have just been certified in their chosen fields. Some of the entries are quite a surprise, while others will only have your mother nodding in agreement and tutting at you, while you roll your eyes for the umpteenth time.
Do take note that these findings are taken from JobStreet.com who used their “salary matching feature” in order to conduct a study to find out average salary for each sector.

10) IT – Software (~ RM2,452/month)

software
What is IT? Apart from it being the acronym for “information technology” (any child can tell you that now, such is the hold that technology has over people nowadays!), it can be divided into two main categories: software and hardware. The former is referring to the programs within a computer, regardless of their architecture, and it has a non-tangible nature. Engineers who are tasked to maintain the software have to ensure that the programs installed are able to run the computer systems or hardware.
The nature of this job may sometimes cause the engineers to have odd working hours as the programs may crash at any time of the day, hence jeopardising business.

9) Sales – Corporate (~ RM2,456/month)

corporate
Don’t misunderstand, this job is very dissimilar to the normal salespeople who accost you and pitch their talk for all sorts of things by the sidewalks or in eateries. The word “corporate” should already be a give-away; this position requires one to be able to close large orders or sales between their company and another, all while maintaining close business ties and safeguarding relationships. For example, if Fuji Xerox were to sign a deal with Mercedes in order to provide all their offices with printers nationwide.
The amount of money that is transacted between these two large companies and the significant amount of profit earned would therefore ensure that the salespeople in Fuji Xerox will be working very hard in order to maintain their relationships with Mercedes in order to secure them for any future transactions.

8) Actuarial Science (~ RM2,475/month)

actuarial
Now this is an interesting position to be working in, as it involves the application of “mathematical and statistical methods to assess risk in insurance, finance and other industries and professions”. Putting it simply, it means that an actuarial scientist is required to be fully qualified to perform a whole lot of calculations that actually includes a range of other subjects such as financial economics, probability and statistics. This is in order to estimate future contingent events for long-term insurance coverage that requires the knowledge to discount the value of funds set aside and invested.
These long term coverage required that money be set aside to pay future benefits, such as annuity and death benefits many years into the future.

7) Aviation (~ RM2,533/month)

aviation
This field was once the writer’s dream job, believe it or not. Given the chance to pilot a plane into the clear blue skies, free as a bird, and watch the earth fall away behind. But we aren’t here to reminisce about dreams gone by! Aviation is best defined as “design, development, production, operation, and use of aircraft”, and the word was first created in 1873 by a French writer and former naval officer, Gabriel La Landelle. In our previous article, Top 5 Highest Paying Jobs, a pilot is able to command a respectable salary that puts it on the number one spot with all the risks that they have to bear when in charge of an aircraft.
The people who are responsible for building and maintaining a solid and safe carrier, whether civil or otherwise, are also responsible in bearing the risks. Hence, it isn’t hard to see why this field makes this list.

6) Geophysics (~ RM2,600/month)

geophysics
There are two ways to look at this field. One is through the olden-day definition where it is only concerning the geological applications: Earth’s gravity pull and its internal structure, amongst others. However, modern-day definition now takes into consideration the hydrological cycle (oceans and ice) as well as the factors that associate with other planets in the solar system. Sounds complicated? It sure is!
Not only does this field include people who study about all of the aforementioned elements, such as those who spend most of their time outdoors studying various features of the Earth or use computers for modelling and calculations, it can also involve people who are working in the oil and gas industries as they try to tackle the complex energy challenges faced by today’s modern world.

5) Sales – Engineering / IT (~ RM2,612/month)

IT-sales
Once again, this field is far removed from the individualistic sales that depend on consumer-type sales methods; instead, it relies more on the salesperson having in-depth technical information and problem solving skills about the product or service. This is so that he or she will be able to provide advice and support (in terms of pre-sales and post-sales support). Not everyone is tech-savvy who will be able to understand the technical language that inevitably comes in this field, so one will need the patience and the ability to translate it for non-technical people.
A keen interest in all things engineering and IT will also be beneficial as the IT industry is expanding worldwide whereas the sales engineer will need to tailor solutions as they need to interact with customers having problems with equipment or are seeking a quick fix.

4) Doctor (~ RM2,719/month)

doctor
Here, we have the one job position that many, if not all, parents secretly hope their children will take an interest in. Not only is it a noble profession that garners a lot of respect where one will be able to serve others and save lives, but the job itself also pays considerably well. Generally, these people can also be known as physicians or medical practitioners, and they “promote, maintain, and restore health through studying, diagnosing, and treating illnesses, injuries, and other physical ailments”.
Since there is a need for most of the doctors to be at work for irregular, and sometimes very long, hours due to the need for them to be on standby (for emergency cases), they are able to command a higher pay as their years of experience increase. In addition, doctors are able to branch out into various fields of speciality, such as for the brain, blood, female reproduction or children.

3) Sales – Financial Services (~ RM3,054/month)

financial
Financial services actually encompass a broad range of organizations that manage money but it can best be described as the intangible economic services that are provided by the finance industry. The individuals who work in this industry are the ones who are qualified to “sell securities to individuals (such as life insurance or retirement income), advise companies in search of investors, and conduct trades.” This is in addition to the basic sales skills of managing consumer behaviours and maintaining relationships.
Some of the primary responsibilities that are tasked to these financial salespeople would be to determine the financial needs of clients as well as the areas of improvement in order to assist them in achieving financial security.

2) Corporate Strategy (~ RM3,200/month)

strategist
Concerning the need for companies to create value across different businesses, this field requires its strategists to understand the way that the operations of a corporation harmonise together to achieve its goals as well as its overall scope and direction. You will be required to know how to respond to pressures from competitors as well as external issues that involve the needs of customers. This is called strategic planning for the company in order to position the company towards its chosen approaches.
In short, one can actually say that it is all about “specifying the organizations objectives, developing policies and plans designed to achieve these objectives, and then allocating resources to implement the plans”.

1) Pharmacy (~ RM3,640/month)

pharmacy
Finally (but not least), we have the top field that a fresh graduate will be able to rake in the big bucks with: pharmacy. What immediately pops into your head as you read that word? The person in the oversized white lab coat who stands at the back of places like Guardian or Watson’s? That’s quite correct, yes, but did you also know that in this field, a pharmacist is able to work in different sectors such as in the nuclear pharmacy, which involves “preparing radioactive materials for diagnostic tests and for treating certain diseases, thereby requiring additional training specific to handling radioactive materials”.
However, to put it simply, it is essentially a science that requires precise techniques to prepare as well as dispense drugs and medications. The primary aim for pharmacists is to ensure the safe and effective use of pharmaceutical drugs.

Top 10 Earning Jobs for Fresh Graduates

So there you go, my young ladies and gentlemen, the ten jobs that will give you the best pay once you step out (freshly minted) from your tertiary institution.
Job Title
Average Salary per Month
Pharmacy
RM3,640
Corporate Strategy
RM3,200
Sales - Financial Services
RM3,054
Doctor
RM2,719
Sales - Engineering / IT
RM2,612
Geophysics
RM2,600
Aviation
RM2,533
Actuarial Science
RM2,475
Sales - Corporate
RM2,456
IT - Software
RM2,452


Source: savemoney.my

Wednesday, October 8, 2014

Gambar keratan dari Kosmo! pada bulan april lepas yang mengutarakan isu ini.
Kuala Lumpur 7 Okt. - Pakar ekonomi dan pengurusan kewangan hari ini berkata, gaji permulaan sebanyak RM2,500 yang diperoleh oleh 'fresh graduate' sudah cukup sekiranya menguruskan kewangan dengan bijak selain mengamalkan tabiat 'mengukur baju di badan sendiri'.

Menurutnya lagi, purata jumlah berkenaan adalah munasabah kerana jika dibandingkan kemahiran mereka dengan risiko yang diambil oleh majikan yang menggaji mereka.

Ketua Jabatan Pendidikan Kewangan Agensi Kaunseling dan Pengurusan Kredit (AKPK) Mohd Adnan Anan Abdullah berkata, mereka yang boros tidak akan merasakan gaji mereka cukup mesti pun angka yang mereka peroleh setiap bulan adalah besar.

"Cukup atau tidak gaji bergantung kepada profil individu. Di Kuala Lumpur, mungkin sukar jika sering makan di luar kerana sehari pun, dalam tidak sedar boleh mencecah RM30.00, belum lagi jika ada tabiat seperti merokok", memetik Bernama.

Beliau juga berkata, jika kewangan masih belum kukuh, mereka yang baru memasuki alam pekerjaan tidak perlu tergesa-gesa membeli kereta.

"Memiliki kereta sendiri pada usia muda memang 'cool' tetapi perlu ingat bahawa kereta datang dengan pakej minyak, tol dan parking selain bayaran penyelenggaraan serta cukai dan insurans tahunan yang agak tinggi", katanya.

Pandangan kami yang sekadar rakyat biasa ini pula , RM2,500 memang lah cukup jika 'fresh graduate' itu seorang yang bujang dan hendak membujang dalam tempoh 4-5 tahun. Angka 2,500 itu memang cukup-cukup makan kalau di bandar. Kalau boleh simpan pun dalam RM 300- RM 800.

Tetapi masalah sekarang ialah:

  • Taraf hidup semakin meningkat 
  • Harga aset kekal semakin mahal (semakin hari semakin mahal)

Jika 'fresh graduate' ni tidak boleh menyimpan wang atau hanya boleh menyimpan wang dalam kuantiti yang sedikit, macam mana mereka ini hendak hidup di masa akan datang, dengan harga rumah dan tanah yang semakin mahal seperti tiada kawalan. Takkanlah nak menyewa sampai ke tua? Bagaimana pula dengan mereka yang mahu berkeluarga?

Katakanlah jika 'fresh graduate' mampu menyimpan RM 2,000 sebulan, ini bermakna dia akan mempunyai wang simpanan sebanyak RM 240,000 dalam masa 10 tahun. Katakanlah purata harga rumah pada tahun ini adalah RM 500,000 (rasanya lebih), simpanan selama 10 tahun pun tak mampu lagi membeli sebuah rumah di Malaysia.

Dan di tambah lagi, kami rasakan pada sepuluh tahun akan datang, harga rumah tadi tidak akan sama. Paling kurang pun RM 750,000. Itu tak dicampur lagi dengan interest dari bank.

Kesimpulan dari kami, jika dilihat dari sudut jangka masa pendek, angka RM2,500 itu boleh diterima pakai tetapi jika difikirkan dari sudut jangka masa panjang, rasanya angka itu tidak relevan memandangkan kos hidup yang semakin hari semakin melonjak naik dan harga asset yang semakin mahal serta tidak dilupakan, pinjaman kewangan dengan interest yang tinggi.

Ini bermakna, angka 2,500 itu perlu dinaikkan setaraf dengan bebanan kewangan yang dialami oleh rakyat pada masa ini dan akan datang.

Sumber: SiakapKeli.com

Categories

Quote of the day

Jom Cuba Resepi

Visitor

free counters

Blog Archive

Investment

Bitcoin | Ethereum | Bitcoin Cash | Tether USDT | Litecoin | Ripple
You're invited!
1. Sign up with my invite link
2. Deposit and buy MYR 250 in BTC (Luno exchange not included)
3. We both get MYR 25.00 free BTC
https://www.luno.com/invite/APY58

Lets Talk

Lowyat.NET

Resources



Your Infos

Followers